:root{--navy:#0b2635;--blue:#175c7b;--yellow:#ffcc43;--ice:#eff5f7;--ink:#172e3b;--muted:#4c626e;--line:#d6e1e6;--white:#fff;--radius:5px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.65;background:white}a{color:var(--blue);text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img{max-width:100%;height:auto}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.12;letter-spacing:-.04em}h1{font-size:clamp(2.4rem,5vw,4.5rem);font-weight:800;max-width:1050px;margin-bottom:24px}h2{font-size:clamp(2rem,3.7vw,3.2rem);font-weight:800;margin-bottom:25px}h3{font-size:1.5rem}p{margin-bottom:22px}ul{padding-left:24px}li{padding-left:5px;margin:9px 0}.wrap{width:min(1220px,calc(100% - 72px));margin-inline:auto}.narrow{max-width:810px}.small{font-size:.875rem;line-height:1.6}.lead{font-size:1.25rem;line-height:1.65;max-width:850px}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.8rem;font-weight:800;margin-bottom:19px;line-height:1.5}.section{padding:90px 0}.pale{background:var(--ice)}.navy{background:var(--navy);color:white}.navy .eyebrow{color:var(--yellow)}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:start}.skip{position:fixed;top:-100px;left:12px;z-index:100;background:var(--yellow);padding:12px}.skip:focus{top:12px}:focus-visible{outline:3px solid #1686b0;outline-offset:4px}.topbar{background:var(--navy);color:white;font-size:.8rem;letter-spacing:.02em}.topbar .wrap{display:flex;justify-content:space-between;padding-block:10px}.header{background:white;position:sticky;top:0;z-index:30;border-bottom:1px solid var(--line)}.nav-wrap{display:flex;align-items:center;gap:28px;min-height:94px}.brand{flex-shrink:0;display:flex}.brand img{width:255px;height:49px}nav#navigation{display:flex;gap:25px;align-items:center;margin-left:auto}nav#navigation a{font-size:.88rem;font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap}nav#navigation a:hover{color:var(--blue);text-decoration:underline}.header-phone{font-weight:800;background:var(--yellow);color:var(--navy);padding:11px 18px;text-decoration:none;white-space:nowrap;border-radius:var(--radius);font-size:1rem}.menu-toggle{display:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;border:1px solid transparent;min-height:52px;padding:14px 24px;background:var(--yellow);color:var(--navy);font-weight:800;text-decoration:none;line-height:1.35;border-radius:var(--radius);font-size:1rem;text-align:center}.button:hover{background:#ffda72}.button span{font-size:1.25rem}.button.phone{background:var(--navy);color:white}.button.phone:hover{background:var(--blue)}.button.secondary{background:transparent;border-color:currentColor}.actions{display:flex;gap:12px;flex-wrap:wrap}.home-hero{background:var(--ice);padding:32px 0}.hero-grid{display:grid;grid-template-columns:1.18fr 1fr;gap:0;align-items:stretch}.hero-copy{position:relative;overflow:hidden;min-height:710px;background:var(--navy);color:white;border-radius:6px 0 0 6px}.hero-photo{position:absolute;width:100%;height:100%;object-fit:cover;object-position:45% 50%;opacity:.65}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,26,39,.94),rgba(4,26,39,.45)),linear-gradient(0deg,rgba(4,26,39,.6),transparent)}.hero-text{position:relative;z-index:1;padding:65px 48px;display:flex;flex-direction:column;height:100%;justify-content:center}.hero-text .eyebrow{color:var(--yellow)}.hero-text h1{font-size:clamp(2.5rem,4.4vw,3.9rem);line-height:1.03;letter-spacing:-.055em}.hero-text h1 span{color:var(--yellow)}.hero-text p:not(.eyebrow){max-width:410px;font-size:1.125rem}.hero-call{color:white;font-size:1.85rem;font-weight:800;text-decoration:none;border-top:1px solid #ffffff4d;padding-top:25px;max-width:400px;display:flex;justify-content:space-between}.hero-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px}.hero-tags span{font-size:.75rem;border:1px solid #ffffff50;border-radius:3px;padding:4px 10px}.hero-form{padding:34px 38px;background:white;border:1px solid var(--line);border-radius:0 6px 6px 0}.hero-form h2{font-size:2.25rem;margin-bottom:22px}.hero-form .eyebrow{color:var(--blue);margin-bottom:12px}.quote-form{display:flex;flex-direction:column;gap:13px}.quote-form label{font-size:.875rem;font-weight:700;display:block;min-width:0}.quote-form input:not([type=checkbox]),.quote-form select,.quote-form textarea{display:block;width:100%;min-height:44px;border:1px solid #aabcc6;border-radius:3px;padding:9px 11px;color:var(--navy);background:white;font-size:1rem;margin-top:4px;line-height:1.4}.quote-form textarea{resize:vertical;min-height:86px}.quote-form input::placeholder,.quote-form textarea::placeholder{color:#5d6e78;opacity:1}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.quote-form .consent-check{display:flex;align-items:flex-start;gap:9px;font-size:.875rem;font-weight:400;line-height:1.5}.consent-check input{flex-shrink:0;width:17px;height:17px;margin:2px 0 0;accent-color:var(--blue)}.form-note{font-size:.75rem;line-height:1.5;color:var(--muted);margin:0}.quote-form .button{width:100%;justify-content:space-between}.honeypot{display:none!important}.intro-strip{border-bottom:1px solid var(--line)}.intro-strip .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;padding-block:25px}.intro-strip span{display:flex;gap:16px;align-items:center;font-size:.95rem;font-weight:700}.intro-strip b{font-size:.8rem;color:var(--blue);border:1px solid var(--line);padding:4px 9px;border-radius:3px}.section-heading{display:flex;justify-content:space-between;gap:65px;align-items:end;margin-bottom:34px}.section-heading>div{flex:1}.section-heading>p{max-width:450px;margin-bottom:25px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid var(--line);padding:28px;display:flex;flex-direction:column;color:var(--ink);text-decoration:none;background:white;border-radius:var(--radius);transition:border-color .15s,transform .15s}.card:hover{border-color:var(--blue);transform:translateY(-3px)}.card-category{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--blue);margin-bottom:25px}.card h3{font-size:1.5rem;line-height:1.2;letter-spacing:-.035em}.card p{font-size:.95rem;line-height:1.7;color:var(--muted)}.card-link{font-size:.88rem;font-weight:700;margin-top:auto;padding-top:20px;border-top:1px solid var(--line);display:flex;justify-content:space-between}.section-link{margin-top:30px;font-weight:700}.numbered>div{display:flex;gap:25px;padding:26px 0;border-top:1px solid #ffffff35}.numbered>div:first-child{padding-top:0;border:0}.numbered>div>span{color:var(--yellow);font-size:2.4rem;font-weight:800;line-height:1.2}.numbered h3{font-size:1.4rem;margin-bottom:12px}.numbered p{font-size:1rem;color:#dbe6ed;margin-bottom:0}.territory{padding:40px;background:var(--ice);border-top:5px solid var(--yellow);border-radius:var(--radius)}.territory h3{font-size:2.5rem}.territory-row{border-top:1px solid #becfd7;padding:18px 0;display:flex;justify-content:space-between;gap:20px;font-weight:700;font-size:.95rem}.territory-row span:last-child{font-weight:400;color:var(--muted)}.territory>p:last-of-type{font-size:.875rem;margin-top:12px}.faq details,article details{border-bottom:1px solid var(--line);padding:22px 0}.faq details:first-child{border-top:1px solid var(--line)}summary{cursor:pointer;font-weight:700;line-height:1.4;padding-right:12px;font-size:1.125rem}details p{margin:16px 0 0;line-height:1.75}.closing{background:var(--yellow);padding:55px 0}.closing-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}.closing h2{margin-bottom:15px}.closing p{margin-bottom:0}.closing .eyebrow{margin-bottom:12px}.closing .button:not(.phone){border:1px solid var(--navy)}footer{background:var(--navy);color:#dce7ed;padding:58px 0 30px}footer a{color:inherit}footer h2{font-size:1rem;letter-spacing:0;color:white}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:65px}.footer-grid>div:first-child p{max-width:390px}.footer-grid p{font-size:.875rem}.footer-grid img{margin-bottom:24px}.footer-grid a{display:block;margin:10px 0;font-size:.9rem;text-decoration:none}.footer-grid a:hover{text-decoration:underline}.footer-grid .footer-phone{font-size:1.3rem;color:var(--yellow);font-weight:700}.footer-bottom{border-top:1px solid #ffffff30;display:flex;flex-wrap:wrap;gap:20px;padding-top:25px;margin-top:25px;font-size:.75rem;align-items:center}.footer-bottom button{background:none;border:0;color:inherit;padding:0;text-decoration:underline;font-size:inherit}.mobile-cta{display:none}.cookie-panel{position:fixed;left:24px;bottom:24px;width:min(440px,calc(100% - 48px));background:white;box-shadow:0 6px 40px #0003;border:1px solid var(--line);border-top:4px solid var(--blue);padding:20px;z-index:60;border-radius:5px}.cookie-panel[hidden]{display:none}.cookie-panel strong{font-size:.95rem}.cookie-panel p{font-size:.8rem;line-height:1.5;margin:8px 0 16px}.cookie-actions{display:flex;gap:10px}.cookie-actions button{flex:1;min-height:42px;background:var(--ice);border:1px solid #97adba;font-size:.875rem;font-weight:700;border-radius:3px;color:var(--navy)}.cookie-actions button:hover{background:#dcebf2}.breadcrumb{display:flex;flex-wrap:wrap;gap:10px;font-size:.8rem;line-height:1.7;padding-block:23px;color:var(--muted)}.breadcrumb a{color:inherit}.page-head{padding:40px 0 50px;background:var(--ice);border-bottom:1px solid var(--line)}.page-head .eyebrow{color:var(--blue)}.page-head h1{max-width:960px}.page-head p:last-child{margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,780px) minmax(260px,1fr);gap:75px;padding-block:60px 85px}.prose h2{font-size:1.85rem;line-height:1.22;margin-top:45px;margin-bottom:22px}.prose section:first-child h2,.prose>h2:first-child{margin-top:0}.prose p{line-height:1.85}.prose li{line-height:1.65}.article-layout aside{border-left:1px solid var(--line);padding-left:30px}.aside-inner{position:sticky;top:125px}.aside-inner nav{display:flex;flex-direction:column;gap:13px;font-size:.875rem;line-height:1.5}.aside-inner nav a{color:var(--muted);text-decoration:none}.aside-inner nav a:hover{text-decoration:underline}.aside-cta{background:var(--ice);padding:24px;margin-top:32px;border-radius:4px}.aside-cta h2{font-size:1.5rem}.aside-cta p{font-size:.875rem}.aside-cta .button{font-size:.875rem;padding:12px;width:100%;margin-bottom:10px;gap:8px}.aside-cta p:last-child{margin:5px 0 0}.checklist{background:var(--ice);padding:28px;border-left:4px solid var(--yellow);margin-top:40px}.checklist h2{margin-top:0!important}.source-note{font-size:.875rem;border-top:1px solid var(--line);padding-top:20px;margin-top:30px}.note{background:var(--ice);padding:25px}.table-scroll{overflow:auto}table{border-collapse:collapse;width:100%;font-size:1rem;margin:25px 0}th,td{text-align:left;padding:17px;border:1px solid var(--line);vertical-align:top}th{background:var(--navy);color:white}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:85px}.form-card{padding:36px;background:var(--ice);border:1px solid var(--line);border-radius:5px}.form-card h2{font-size:2rem}.contact-grid .prose h2{font-size:1.7rem}
@media(min-width:1500px){.hero-text h1{font-size:4rem}}
@media(max-width:1120px){.wrap{width:calc(100% - 48px)}.nav-wrap{gap:20px}.brand img{width:218px}nav#navigation{gap:16px}.header-phone{padding:10px 12px;font-size:.9rem}.hero-text{padding:45px 30px}.hero-form{padding:30px}.split{gap:45px}.section-heading{gap:35px}.article-layout{gap:35px}.footer-grid{gap:35px}.closing-inner{align-items:flex-start}.closing .actions{max-width:260px}.cards{gap:16px}.card{padding:23px}}
@media(max-width:900px){.js .menu-toggle{display:flex;gap:14px;margin-left:auto;align-items:center;background:white;border:1px solid var(--line);padding:8px 12px;border-radius:3px;font-size:.9rem}.header-phone{display:none}.nav-wrap{flex-wrap:wrap;padding-block:14px;min-height:80px}.js nav#navigation{display:none;width:100%;margin:0;padding:12px 0;flex-direction:column;align-items:stretch;gap:0;border-top:1px solid var(--line)}.js nav#navigation.open{display:flex}.js nav#navigation a{padding:12px 4px}nav#navigation{flex-wrap:wrap}.hero-grid{grid-template-columns:1fr 1fr}.hero-text h1{font-size:2.6rem}.hero-text p:not(.eyebrow){font-size:1rem}.hero-text{padding:35px 24px}.hero-form{padding:26px 23px}.hero-form h2{font-size:1.9rem}.hero-call{font-size:1.5rem}.form-row{grid-template-columns:1fr}.hero-copy{min-height:700px}.cards{grid-template-columns:repeat(2,1fr)}.section{padding:65px 0}.section-heading{align-items:start}.section-heading>p{max-width:340px}.article-layout{grid-template-columns:1fr}.article-layout aside{border:0;padding:0}.aside-inner{position:static}.aside-inner>nav,.aside-inner>.eyebrow{display:none}.aside-cta{margin:0;display:block}.aside-cta .button{max-width:280px;margin-right:10px}.contact-grid{gap:35px}.footer-grid{grid-template-columns:1.3fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.intro-strip .wrap{gap:18px}.intro-strip span{font-size:.8rem;gap:10px}.closing-inner{flex-direction:column}.closing .actions{max-width:none}.split{gap:35px}}
@media(max-width:680px){body{font-size:16px}.wrap{width:calc(100% - 36px)}.topbar .wrap{justify-content:center;padding-block:7px}.topbar span:last-child{display:none}.brand img{width:218px;height:42px}.header .wrap{width:calc(100% - 30px)}.nav-wrap{min-height:72px}.home-hero{padding:16px 0 24px}.hero-grid{grid-template-columns:1fr;width:calc(100% - 24px)}.hero-copy{min-height:480px;border-radius:5px 5px 0 0}.hero-text{padding:42px 25px}.hero-text h1{font-size:clamp(2.05rem,9.2vw,3.1rem)}.hero-text p:not(.eyebrow){max-width:360px;font-size:1.05rem}.hero-tags{margin-top:23px}.hero-call{font-size:1.65rem;max-width:330px;padding-top:18px}.hero-form{border-radius:0 0 5px 5px;padding:30px 23px}.hero-form h2{font-size:2rem}.hero-form h2 br{display:none}.form-row{grid-template-columns:1fr 1fr}.intro-strip .wrap{grid-template-columns:1fr;gap:12px;padding-block:20px}.intro-strip span{font-size:.9rem}.intro-strip b{min-width:39px;text-align:center}.section{padding:54px 0}.split,.contact-grid{grid-template-columns:1fr;gap:35px}.section-heading{display:block;margin-bottom:25px}.section-heading>p{max-width:none}.cards{grid-template-columns:1fr}.card{padding:26px}.card h3{font-size:1.55rem}.card-category{margin-bottom:17px}.section h2{font-size:2.2rem}.territory{padding:28px}.numbered{margin-top:6px}.numbered>div{gap:18px}.section-link{font-size:.95rem}.faq summary{font-size:1.05rem}.closing{padding:40px 0}.closing h2{font-size:2.3rem}.closing .actions{width:100%;flex-direction:column}.footer-grid{grid-template-columns:1fr;gap:30px}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{gap:15px;font-size:.78rem}.footer-bottom>span{width:100%}footer{padding:40px 0 105px}.mobile-cta{display:grid;grid-template-columns:1.4fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:40;background:var(--navy);box-shadow:0 -2px 12px #0002;padding-bottom:env(safe-area-inset-bottom)}.mobile-cta a{padding:15px 9px;min-height:54px;text-align:center;color:white;text-decoration:none;font-size:.86rem;font-weight:700;display:flex;align-items:center;justify-content:center}.mobile-cta a:last-child{background:var(--yellow);color:var(--navy)}.cookie-panel{left:12px;bottom:calc(66px + env(safe-area-inset-bottom));width:calc(100% - 24px);padding:16px}.breadcrumb{font-size:.75rem;padding-block:18px;gap:7px}.page-head{padding:30px 0 36px}.page-head h1{font-size:2.4rem}.page-head .lead{font-size:1.1rem}.article-layout{padding-block:35px 50px;gap:25px}.prose h2,.section .prose h2{font-size:1.65rem}.checklist{padding:23px}.form-card{padding:25px}.contact-grid .button{width:100%}.table-scroll{margin-right:-5px}.table-scroll th,.table-scroll td{padding:12px;font-size:.9rem}.eyebrow{font-size:.75rem}html{scroll-padding-top:95px}}
@media(max-width:360px){.brand img{width:190px}.menu-toggle{padding:8px!important}.form-row{grid-template-columns:1fr}.hero-text{padding-inline:20px}.hero-text h1{font-size:2.15rem}.hero-form{padding-inline:18px}.mobile-cta a{font-size:.8rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.header,.topbar,.closing,footer,.cookie-panel,.mobile-cta,aside,.hero-form{display:none!important}.wrap{width:100%}.article-layout{display:block}.page-head{background:white}body{font-size:12pt}a{color:inherit}.section{padding:20px 0}}
