:root{
--navy:#083A7A;--blue:#0A4DA2;--amber:#FFB81C;--amber-d:#E6A200;--ink:#12233B;--muted:#51637C;--tint:#EEF5FD;--line:#D9E4F1;--white:#fff;
--font-body:'Source Sans 3',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
--font-head:'Figtree','Source Sans 3',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
--r:14px;--gutter:24px;--max:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);font-size:17px;color:var(--ink);background:var(--white);line-height:1.65}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
a{color:var(--blue)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:200;font-weight:700}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--ink);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:8px;box-shadow:0 4px 14px rgba(255,184,28,.4);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--amber-d)}
.btn.alt{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.btn.alt:hover{background:var(--navy)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--blue)}
.btn.block{display:flex;width:100%}
.btn.small{font-size:14px;padding:11px 20px}
/* topbar */
.topbar{background:var(--navy);color:#D3E3F6;font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
/* nav */
.site-nav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-nav .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo-link{display:flex;align-items:center;flex-shrink:0}
.logo-link img{display:block;width:236px;height:44px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button{font-family:var(--font-body);background:none;border:0;cursor:pointer;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;display:inline-flex;align-items:center;gap:5px;border-radius:6px}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--blue);background:var(--tint)}
.navlinks .caret{font-size:10px}
.dropmenu{display:none;position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(8,58,122,.16);padding:8px;list-style:none;z-index:90}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:6px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.dropmenu a:hover{background:var(--tint);color:var(--blue)}
.dropmenu .dropsep{border-top:1px solid var(--line);margin:6px 0 4px}
.nav-call{margin-left:8px}
.menu-toggle{display:none;background:var(--tint);border:1px solid var(--line);border-radius:8px;width:46px;height:46px;cursor:pointer;color:var(--navy);font-size:22px;line-height:1}
/* page head */
.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,#083A7A 0%,#0A4DA2 100%);color:#fff;padding:54px 0 50px;overflow:hidden}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{color:#fff;font-size:clamp(28px,4.2vw,40px);margin:10px 0 14px;max-width:820px}
.pagehead .sub{color:#E3EEFB;font-size:18px;max-width:720px;margin-bottom:22px}
.crumbs{font-size:14px;color:#C8DBF3}
.crumbs a{color:#fff;text-decoration:underline}
.crumbs span{margin:0 6px}
.pagehead .cta-row{display:flex;gap:14px;flex-wrap:wrap}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(6,35,78,.9) 0%,rgba(6,35,78,.7) 55%,rgba(6,35,78,.4) 100%)}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--tint);color:var(--navy);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:6px}
.badge:before{content:"\25CF";color:var(--amber);font-size:10px}
.badge.badge-alt{background:var(--amber);color:var(--ink)}
.badge.badge-alt:before{color:var(--navy)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.4);color:#fff;font-weight:700;font-size:14px;padding:4px 14px;border-radius:100px}
/* home hero */
.hero{position:relative;isolation:isolate;background:#fff;padding:64px 0;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(30px,4.6vw,44px);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--blue)}
.hero p.lead{color:var(--muted);font-size:18px;max-width:520px;margin-bottom:24px}
.hero.has-hero h1,.hero.has-hero p.lead{color:#fff}
.hero.has-hero h1 span{color:var(--amber)}
.hero.has-hero p.lead{color:#E3EEFB}
.hero.has-hero .trustrow{color:#E3EEFB}
.hero.has-hero .trustrow span:before{color:var(--amber)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:14px;font-weight:600}
.trustrow span:before{content:"\2713\00a0";color:var(--blue)}
.statpanel{background:var(--navy);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:15px;color:#C8DBF3;margin-bottom:14px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--amber);font-family:var(--font-head);font-size:17px;text-align:right}
/* strip + bands */
.strip{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px var(--gutter);flex-wrap:wrap;gap:10px 22px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.stripitem .ic{color:var(--blue);font-size:18px}
.emergency{background:var(--amber);color:var(--ink);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px}
.emergency p{font-size:15px}
.emergency .btn{background:var(--navy);color:#fff;box-shadow:none}
.emergency .btn:hover{background:var(--blue)}
.ctaband{background:var(--navy);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{color:#fff;font-size:34px;margin-bottom:10px}
.ctaband p{font-size:17px;color:#D3E3F6;margin:0 auto 22px;max-width:640px}
/* sections */
.sec{padding:64px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:32px;margin:8px 0 18px}
.sec h3{font-size:21px;margin:26px 0 8px}
main p{margin-bottom:0}
main p+p{margin-top:14px}
main ul.bul{margin:14px 0 0 22px}
main ul.bul li{margin-top:6px}
main ol.num{margin:14px 0 0 22px}
main ol.num li{margin-top:6px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start}
article h2{margin-top:44px}
article h2:first-child{margin-top:0}
article h2+p,article h3+p{margin-top:14px}
article .block{margin-top:22px}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 10px 28px rgba(8,58,122,.1)}
.sidecard .kick{display:block;margin-bottom:6px}
.sidecard h3{font-size:20px;margin:0 0 8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0 14px}
.sidecard li{font-size:14.5px;font-weight:600;padding:6px 0 6px 24px;position:relative;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--blue);font-weight:700}
.sidecard .sidelink{font-size:14.5px;font-weight:700}
/* cards */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card .ic{width:48px;height:48px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted)}
.card p+p{margin-top:10px}
.card a.more{display:inline-block;margin-top:10px;font-weight:700;font-size:14.5px}
.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.cards.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.why{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:22px}
.whycard{background:var(--tint);border-radius:var(--r);padding:22px}
.whycard .num{width:42px;height:42px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin-bottom:12px;font-size:18px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:15px;color:var(--muted)}
.prep{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:20px}
.prepcard{background:var(--tint);border:1px solid var(--line);border-left:5px solid var(--amber);border-radius:12px;padding:18px 20px}
.prepcard h3{font-size:17px;margin:0 0 6px}
.prepcard p{font-size:15px;color:var(--ink)}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:24px;position:relative}
.step{text-align:left;position:relative}
.step .n{width:52px;height:52px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--font-head);font-weight:700;font-size:20px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:12px}
table.data{width:100%;border-collapse:collapse;min-width:560px;font-size:15.5px}
table.data th{background:var(--navy);color:#fff;text-align:left;font-family:var(--font-head);font-size:13px;text-transform:uppercase;letter-spacing:.04em;padding:13px 16px}
table.data td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
table.data tr:nth-child(even) td{background:var(--tint)}
table.data td:first-child{font-weight:700}
.callout{background:var(--tint);border-left:5px solid var(--blue);border-radius:10px;padding:18px 22px;margin-top:20px}
.callout h3{font-size:17px;margin:0 0 6px}
.callout.warn{border-left-color:var(--amber);background:#FFF8E6}
.inline-cta{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px 28px;margin-top:28px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.inline-cta p{color:#E3EEFB;margin:0;max-width:520px}
.inline-cta strong{color:#fff;font-family:var(--font-head);font-size:19px;display:block;margin-bottom:4px}
.localnote{background:#fff;border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:var(--r);padding:24px 26px;margin-top:30px}
.localnote h2{font-size:24px;margin:0 0 12px}
.srcnote{font-size:14px;color:var(--muted);margin-top:12px}
/* faq */
.faq{margin-top:18px}
.faq details{border:1px solid var(--line);border-radius:12px;margin-top:10px;background:#fff}
.faq summary{cursor:pointer;font-family:var(--font-head);font-weight:700;font-size:17px;padding:16px 20px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:24px;color:var(--blue);line-height:1}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 20px 18px}
/* blog */
.postmeta{font-size:14px;color:#D3E3F6;margin-top:6px}
.blogcards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:24px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.blogcard .bthumb{height:10px;background:linear-gradient(90deg,var(--navy),var(--blue))}
.blogcard .bbody{padding:20px 22px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.blogcard h3{font-size:18px;margin:0}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--blue)}
.blogcard p{font-size:15px;color:var(--muted)}
.blogcard .tag{font-size:12px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.08em}
/* maps */
.mapsec{background:var(--tint);padding:50px 0}
.mapsec h2{font-size:28px;margin-bottom:6px}
.mapsec p{color:var(--muted);margin-bottom:18px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block;background:var(--line)}
.mapframe.short{height:300px}
.locmap{margin-top:22px}
/* areas */
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:18px}
.areas a{background:var(--tint);padding:13px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center}
.areas a:hover{background:var(--line)}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 40px;font-size:15px}
.site-footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{font-size:16px;margin-bottom:12px}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--blue)}
.site-footer p{color:var(--muted)}
.site-footer .flogo{display:block;margin-bottom:12px}
.site-footer .flogo img{display:block;width:236px;height:44px}
.site-footer .legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px;font-size:13.5px;color:var(--muted)}
/* sticky */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--ink);font-size:24px;display:flex;align-items:center;justify-content:center;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.28);z-index:50}
.floatcall:hover{background:var(--amber-d)}
.err{padding:90px 0;text-align:center}
.err h1{font-size:46px;margin-bottom:12px}
.err p{max-width:560px;margin:0 auto 22px;color:var(--muted)}
.legal-body h2{font-size:22px;margin:30px 0 8px}
@media(max-width:1100px){.navlinks>li>a,.navlinks>li>button{padding:10px 8px;font-size:14.5px}.logo-link img{width:210px;height:39px}}
@media(max-width:900px){
.menu-toggle{display:block}
.site-nav .wrap{height:68px}
.navlinks{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(8,58,122,.15);flex-direction:column;align-items:stretch;gap:0;padding:10px var(--gutter) 18px;max-height:calc(100vh - 110px);overflow-y:auto}
.navlinks.open{display:flex}
.navlinks>li>a,.navlinks>li>button{width:100%;justify-content:space-between;padding:13px 4px;font-size:16px;border-bottom:1px solid var(--line);border-radius:0}
.dropmenu{display:block;position:static;box-shadow:none;border:0;padding:2px 0 8px 12px;min-width:0}
.navlinks .caret{display:none}
.nav-call{margin:14px 0 0}
.nav-call .btn{width:100%}
.hero .wrap,.twocol{grid-template-columns:minmax(0,1fr)}
.sidecard{position:static}
.cards,.why,.steps,.blogcards,.cards.four{grid-template-columns:repeat(2,minmax(0,1fr))}
.prep{grid-template-columns:minmax(0,1fr)}
.areas{grid-template-columns:repeat(2,minmax(0,1fr))}
.site-footer .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
.hero h1{font-size:34px}
.pagehead h1{font-size:32px}
.stickybar{display:block}
body{padding-bottom:64px}
.floatcall{display:none}
}
@media(max-width:600px){
:root{--gutter:18px}
.cards,.why,.steps,.blogcards,.cards.two,.cards.four{grid-template-columns:minmax(0,1fr)}
.site-footer .wrap{grid-template-columns:minmax(0,1fr)}
.hero{padding:40px 0}
.hero h1{font-size:30px}
.pagehead{padding:40px 0 36px}
.pagehead h1{font-size:28px}
.sec{padding:46px 0}
.sec h2{font-size:27px}
.ctaband h2{font-size:28px}
.logo-link img{width:190px;height:36px}
.areas{grid-template-columns:minmax(0,1fr)}
.topbar .wrap{flex-direction:column;gap:2px}
.inline-cta{padding:20px}
}
@media(min-width:901px){.stickybar{display:none}}
.crumbs .cur,.cur{color:var(--muted);font-weight:600}

h1,h2,h3,p,li,td,th,a,summary{overflow-wrap:break-word}
.card,.faq details,.sidecard{min-width:0}
.pagehead .cur,.pagehead .crumbs .cur{color:#fff;opacity:.8;font-weight:600}
.pagehead .crumbs,.pagehead nav[aria-label]{margin-bottom:16px;display:block}
.blogcard .bthumb:has(img){height:auto;aspect-ratio:16/9;background:var(--tint);overflow:hidden}
.blogcard .bthumb img{display:block;width:100%;height:100%;object-fit:cover}