:root{--navy:#0B1B2B;--navy2:#122740;--navy3:#1B3A5C;--orange:#FF6A13;--cta:#C2410C;--cta-h:#9A3412;--light:#EAF2F9;--border:#D8E2EC;--muted:#4A6178;--white:#fff;--radius:14px;--shadow:0 10px 30px rgba(11,27,43,.12)}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Barlow',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--navy);background:#fff;line-height:1.65;font-size:17px;-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:'Barlow Condensed','Arial Narrow',Arial,sans-serif;letter-spacing:-.01em;line-height:1.15;color:var(--navy)}
a{color:var(--cta)}
a:hover{color:var(--cta-h)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--cta);color:#fff;font-weight:700;font-size:17px;padding:15px 28px;text-decoration:none;border-radius:4px;border:2px solid var(--cta);line-height:1.2;text-align:center}
.btn:hover{background:var(--cta-h);border-color:var(--cta-h);color:#fff}
.btn.alt{background:var(--navy);border-color:var(--navy);color:#fff}
.btn.alt:hover{background:var(--navy3);border-color:var(--navy3)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.btn.light:hover{background:var(--light);color:var(--navy)}
.btn.small{font-size:15px;padding:11px 20px}
/* header */
.topbar{background:var(--navy2);color:var(--light);font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--orange);font-weight:700;text-decoration:none}
.site-header{position:relative;z-index:60;background:#fff;box-shadow:0 1px 0 var(--border)}
.navbar .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:block;line-height:0}
.logo img{height:44px;width:auto}
.navlinks{display:flex;align-items:center;gap:4px;list-style:none}
.navlinks>li>a{color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;display:inline-block}
.navlinks>li>a:hover{color:var(--cta)}
.navlinks .navcall{color:#fff;margin-left:10px}
.navlinks .navcall:hover{color:#fff}
.has-drop{position:relative}
.dropbtn{background:none;border:0;font-size:14px;color:var(--navy);cursor:pointer;padding:10px 6px 10px 0;margin-left:-6px}
.dropmenu{display:none;position:absolute;left:-140px;top:100%;width:760px;background:#fff;border:1px solid var(--border);border-radius:0 0 var(--radius) var(--radius);box-shadow:var(--shadow);padding:22px;z-index:70;grid-template-columns:repeat(3,1fr);gap:18px 26px}
.has-drop:hover .dropmenu,.has-drop:focus-within .dropmenu{display:grid}
.dropmenu h3{font-size:15px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:6px}
.dropmenu ul{list-style:none}
.dropmenu li a{display:block;color:var(--navy);text-decoration:none;font-size:15px;font-weight:500;padding:4px 0}
.dropmenu li a:hover{color:var(--cta)}
.dropmenu .top3 li a{font-weight:700}
.navtoggle{display:none;background:var(--navy);color:#fff;border:0;border-radius:6px;font-size:15px;font-weight:700;padding:10px 14px;cursor:pointer}
/* hero */
.hero,.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,#0B1B2B 0%,#122740 55%,#1B3A5C 100%);color:#fff}
.hero{padding:70px 0}
.pagehead{padding:58px 0 52px}
.hero .hero-bg,.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,27,43,.93) 0%,rgba(11,27,43,.78) 55%,rgba(11,27,43,.6) 100%);z-index:-1}
.hero h1,.pagehead h1{color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(32px,4.2vw,50px);margin-bottom:16px}
.pagehead h1{font-size:clamp(30px,3.8vw,44px);max-width:860px;margin-bottom:14px}
.hero-sub{color:#DCE8F3;font-size:19px;max-width:640px;margin-bottom:24px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:var(--navy);font-weight:800;font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding:7px 14px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--navy)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:#DCE8F3;font-size:15px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--orange);font-weight:800}
.crumbs{font-size:14px;color:#C9D8E6;margin-bottom:14px}
.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.crumbs a:hover{color:var(--orange)}
.statpanel{background:rgba(18,39,64,.92);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:17px;color:#C9D8E6;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.strow{display:flex;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15.5px;color:#fff}
.strow:last-child{border-bottom:none}
.strow b{color:var(--orange);font-family:'Barlow Condensed',sans-serif;font-size:19px;text-align:right}
/* bands */
.strip{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px 24px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:15px}
.emergency{background:var(--cta);color:#fff;padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.emergency h2{font-size:26px;color:#fff}
.emergency p{font-size:16px;color:#fff}
.sec{padding:72px 0;background:#fff}
.sec.alt{background:var(--light)}
.kick{color:var(--cta);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec>.wrap>h2,.sec-title{font-size:36px;margin:8px 0 30px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px}
.card .ic{width:50px;height:50px;background:var(--light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:21px;margin-bottom:8px}
.card p{font-size:15.5px;color:var(--muted);margin-bottom:12px}
.cardlinks{list-style:none;display:flex;flex-direction:column;gap:2px}
.cardlinks a{font-weight:700;font-size:15px;text-decoration:none;color:var(--cta);padding:3px 0;display:inline-block}
.cardlinks a:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:center;border:1px solid var(--border)}
.whycard .num{width:44px;height:44px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Barlow Condensed',sans-serif;font-weight:700;margin:0 auto 14px;font-size:19px}
.whycard h3{font-size:19px;margin-bottom:6px}
.whycard p{font-size:15.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);position:relative}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--border)}
.step{text-align:center;padding:0 16px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--cta);color:#fff;font-family:'Barlow Condensed',sans-serif;font-weight:700;font-size:24px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:19px;margin-bottom:6px}
.step p{font-size:15.5px;color:var(--muted)}
.facttable{border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;background:#fff}
.ptrow{display:grid;grid-template-columns:1fr 2fr;border-bottom:1px solid var(--border)}
.ptrow:last-child{border-bottom:none}
.ptrow.head{background:var(--navy2);color:#fff}
.ptrow div{padding:15px 22px;font-size:16px}
.ptrow.head div{font-weight:700;text-transform:uppercase;font-size:13px;letter-spacing:.05em}
.ptrow div:first-child{font-weight:700}
.pricenote{font-size:15px;color:var(--muted);margin-top:14px;text-align:center}
.insurepanel{background:var(--navy2);color:#fff;border-radius:16px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h3{font-size:26px;margin-bottom:8px;color:var(--orange)}
.insurepanel p{font-size:16.5px;color:var(--light);max-width:620px}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none}
.chip,.zip-chip{background:var(--light);border:1px solid var(--border);padding:9px 16px;border-radius:100px;color:var(--navy);font-weight:600;font-size:15px}
.zips{display:flex;flex-wrap:wrap;gap:10px;margin:6px 0 18px}
.zip-chip{background:#fff;font-family:'Barlow Condensed',sans-serif;font-size:18px;font-weight:700;letter-spacing:.03em}
/* article */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.narrow{max-width:900px}
.twocol>*{min-width:0}
.prose h2{font-size:34px;margin:42px 0 14px}
.prose>.block:first-child h2,.prose>h2:first-child{margin-top:0}
.prose h3{font-size:24px;margin:26px 0 8px}
.prose main p,.prose p{max-width:72ch}
main p+p{margin-top:14px}
.prose p+h3,.prose h2+p,.prose h3+p{margin-top:14px}
.prose ul,.prose ol{margin:16px 0 4px 22px;max-width:72ch}
.prose li{margin-bottom:8px}
.prose a{font-weight:600}
.block.kind-normal,.block.kind-local{margin:0}
.block.kind-urgent{background:#FFF4EC;border:1px solid #F3C9AB;border-left:6px solid var(--cta);border-radius:10px;padding:24px 26px;margin:38px 0}
.block.kind-urgent h2{margin-top:0;font-size:30px}
.block.kind-cost,.block.kind-insurance,.block.kind-bridge{background:var(--light);border:1px solid var(--border);border-radius:10px;padding:24px 26px;margin:38px 0}
.block.kind-cost h2,.block.kind-insurance h2,.block.kind-bridge h2{margin-top:0;font-size:30px}
.tablewrap{overflow-x:auto;margin:20px 0;border:1px solid var(--border);border-radius:10px;background:#fff}
.tablewrap table{border-collapse:collapse;width:100%;min-width:520px;font-size:15.5px}
.tablewrap th{background:var(--navy2);color:#fff;text-align:left;padding:12px 14px;font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:.04em}
.tablewrap td{padding:12px 14px;border-top:1px solid var(--border);vertical-align:top;color:var(--navy)}
.tablewrap tr:nth-child(even) td{background:#F6FAFD}
.inline-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;background:var(--navy2);color:#fff;border-radius:12px;padding:22px 26px;margin:38px 0}
.inline-cta p{font-size:18px;font-weight:600;max-width:420px;color:#fff;margin:0}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--border);border-top:6px solid var(--cta);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.sidecard .kick{display:block;margin-bottom:6px}
.sidecard h3{font-size:25px;margin-bottom:8px}
.sidecard p{font-size:15.5px;color:var(--muted);margin-bottom:14px}
.sidecard .btn{width:100%;margin-bottom:16px}
.sidecard ul{list-style:none;margin-bottom:14px}
.sidecard li{font-size:15.5px;padding:6px 0 6px 26px;position:relative;border-top:1px solid var(--border)}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--cta);font-weight:800}
.sidecard .rel{font-size:15px;font-weight:700}
.faqs{margin-top:48px}
.faqs>h2{font-size:34px;margin-bottom:16px}
.faqs details{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;background:#fff}
.faqs summary{cursor:pointer;font-weight:700;font-size:18px;padding:16px 48px 16px 18px;list-style:none;position:relative}
.faqs summary::-webkit-details-marker{display:none}
.faqs summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:26px;color:var(--cta);font-weight:700}
.faqs details[open] summary:after{content:"\2212"}
.faqs details[open] summary{border-bottom:1px solid var(--border)}
.faqs .ans{padding:14px 18px 18px}
.localnote{background:#F6FAFD;border:1px solid var(--border);border-left:6px solid var(--navy3);border-radius:10px;padding:22px 26px;margin:38px 0}
.localnote h2{margin-top:0;font-size:28px}
.byline{color:#C9D8E6;font-size:15px;margin-bottom:18px}
.sources{margin-top:40px;border-top:1px solid var(--border);padding-top:18px}
.sources h2{font-size:24px;margin:0 0 8px}
.sources ul{margin-left:20px;font-size:15.5px}
.ctaband{background:var(--navy2);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:40px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:18px;margin:0 auto 24px;color:var(--light);max-width:640px}
.mapsec{background:var(--light);padding:56px 0}
.mapsec h2{font-size:32px;margin-bottom:6px}
.mapsec p{color:var(--muted);margin-bottom:18px;font-size:16px}
.mapsec iframe,.mapframe{width:100%;height:380px;border:0;border-radius:var(--radius);display:block;background:#fff}
.addrcard{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px 26px;margin:26px 0}
.addrcard h2{font-size:26px;margin:0 0 8px}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.blogcard{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blogcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.blogcard .bc{padding:18px 20px 22px}
.blogcard h2{font-size:21px;margin-bottom:8px}
.blogcard h2 a{color:var(--navy);text-decoration:none}
.blogcard h2 a:hover{color:var(--cta)}
.blogcard p{font-size:15px;color:var(--muted)}
/* footer */
.site-footer{background:var(--navy);color:#C9D8E6;padding:56px 0 30px;font-size:15px}
.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
.site-footer img{height:44px;width:auto;margin-bottom:14px}
.site-footer h2{color:#fff;font-size:20px;margin-bottom:10px}
.site-footer h3{color:#fff;font-size:15px;text-transform:uppercase;letter-spacing:.07em;margin:16px 0 6px}
.site-footer h3:first-child{margin-top:0}
.site-footer a{color:#C9D8E6;text-decoration:none;display:block;padding:3px 0}
.site-footer a:hover{color:var(--orange)}
.site-footer address{font-style:normal;line-height:1.7}
.footnav{display:flex;flex-wrap:wrap;gap:6px 22px;border-top:1px solid rgba(255,255,255,.16);margin-top:30px;padding-top:20px}
.footnav a{padding:2px 0}
.copy{margin-top:14px;font-size:14px;color:#A9BBCB}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy2);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:17px;text-decoration:none;background:var(--cta);border-radius:6px;padding:12px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--cta);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.3);z-index:50}
.floatcall:hover{background:var(--cta-h);color:#fff}
.notfound{text-align:center;padding:90px 0}
.notfound h2{font-size:34px;margin:30px 0 14px}
@media(max-width:1100px){.dropmenu{left:-260px}}
@media(max-width:900px){
 .hero .wrap,.insurepanel,.twocol{grid-template-columns:minmax(0,1fr)}
 .cards,.why,.steps,.bloggrid{grid-template-columns:1fr 1fr}
 .steps:before{display:none}
 .sidecard{position:static}
 .footgrid{grid-template-columns:1fr 1fr}
 .navtoggle{display:block}
 .navlinks{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--border);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 18px;max-height:calc(100vh - 130px);overflow-y:auto}
 .navlinks.open{display:flex}
 .navlinks>li>a{padding:12px 0;font-size:17px;display:block}
 .navlinks .navcall{margin:8px 0 0}
 .dropbtn{display:none}
 .dropmenu{display:block;position:static;width:auto;box-shadow:none;border:0;padding:0 0 6px 12px}
 .dropmenu>div{margin-bottom:10px}
 .stickybar{display:block}
 body{padding-bottom:70px}
 .floatcall{display:none}
 .sec{padding:54px 0}
}
@media(max-width:600px){
 .wrap{padding:0 16px}
 .cards,.why,.steps,.bloggrid,.footgrid{grid-template-columns:1fr}
 .hero{padding:44px 0}.pagehead{padding:40px 0 36px}
 .prose h2{font-size:28px}.sec>.wrap>h2{font-size:30px}
 .ptrow{grid-template-columns:1fr}
 .topbar .wrap{justify-content:center;text-align:center}
 .strip .wrap{flex-direction:column}
 .inline-cta{padding:20px}.inline-cta .btn{width:100%}
 .ctaband h2{font-size:32px}
 .block.kind-urgent,.block.kind-cost,.block.kind-insurance,.block.kind-bridge,.localnote{padding:20px 18px}
}
.hamburger{cursor:pointer}
.mobile-menu{list-style:none}
.sticky-bar{box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.prose p,.prose li,.site-footer address,.site-footer a{overflow-wrap:anywhere}