:root{
--primary:#0E5A3C;--primary-dk:#093F2A;--accent:#8CD867;--accent-dk:#79C455;
--text:#14261E;--text-muted:#4F6057;--bg:#fff;--bg2:#EAF5EF;--bg3:#F4FAF7;--border:#DCE8E1;--white:#fff;
--font-head:'Sora',system-ui,sans-serif;--font-body:'Inter',system-ui,sans-serif;
--container:1180px;--radius:14px;--shadow:0 2px 10px rgba(9,63,42,.08);--shadow-lg:0 10px 30px rgba(9,63,42,.12);--trans:.2s ease;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:90px;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.65;font-size:16px}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--text)}
h1{font-size:clamp(1.75rem,4.4vw,2.9rem)}
h2{font-size:clamp(1.4rem,3vw,2.15rem);margin:2.2rem 0 .9rem}
h3{font-size:clamp(1.1rem,2vw,1.35rem);margin:1.6rem 0 .6rem}
h4{font-size:1rem}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary)}
a:hover{color:var(--primary-dk)}
ul,ol{padding-left:1.3rem}
.wrap{max-width:var(--container);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--primary-dk);color:#fff;padding:10px 16px;z-index:10000}
.skip-link:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:var(--primary-dk);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;border:2px solid transparent;min-height:48px;transition:background var(--trans)}
.btn:hover{background:var(--accent-dk);color:var(--primary-dk)}
.btn.alt{background:var(--primary);color:#fff}
.btn.alt:hover{background:var(--primary-dk);color:#fff}
.btn.ghost{background:#fff;color:var(--text);border-color:var(--border)}
.btn.ghost:hover{background:var(--bg2)}
.btn.dark{background:var(--primary-dk);color:#fff}
.btn.dark:hover{background:#06301f;color:#fff}
.btn.block{display:flex;width:100%}
/* topbar */
.topbar{background:var(--primary-dk);color:#D5ECE0;font-size:13.5px;padding:9px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar b,.topbar a{color:var(--accent);font-weight:700;text-decoration:none}
/* header and nav */
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 1px 0 var(--border)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:74px}
.logo{display:block;flex-shrink:1;min-width:0;line-height:0}
.logo img{height:46px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:1.4rem;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--text);text-decoration:none;font-weight:600;font-size:14.5px}
.nav-links a:hover{color:var(--primary)}
.nav-links .nav-cta{background:var(--accent);color:var(--primary-dk);padding:11px 20px;border-radius:100px;font-weight:700}
.nav-links .nav-cta:hover{background:var(--accent-dk);color:var(--primary-dk)}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:-12px;min-width:270px;padding:.5rem 0;margin:0;list-style:none;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:.55rem 1.1rem;white-space:nowrap}
.dropdown a:hover{background:var(--bg2)}
.dd-arrow{font-size:.7em}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:.5rem}
.hamburger span{display:block;width:24px;height:2px;background:var(--primary-dk);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(330px,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:1.25rem 1.5rem}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.drawer-close{position:absolute;top:10px;right:12px;width:44px;height:44px;background:none;border:0;font-size:22px;cursor:pointer;color:var(--text)}
.mob-drawer ul{list-style:none;margin:2.6rem 0 0;padding:0}
.mob-drawer a{display:block;padding:.8rem 0;font-size:1.02rem;border-bottom:1px solid var(--border);text-decoration:none;color:var(--text);font-weight:600}
.mob-drawer .drawer-label{padding:1rem 0 .3rem;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--text-muted);font-weight:700}
.mob-drawer .drawer-cta{background:var(--accent);color:var(--primary-dk);text-align:center;border-radius:100px;margin-top:1rem;border:0}
.mob-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}
.vertrow{background:var(--primary);padding:9px 0}
.vertrow-inner{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.vertpill{color:#fff;font-size:12.5px;font-weight:700;padding:5px 14px;border-radius:100px;background:rgba(255,255,255,.16);text-decoration:none}
.vertpill:hover{background:rgba(255,255,255,.28);color:#fff}
.vertpill.active{background:var(--accent);color:var(--primary-dk)}
/* breadcrumb */
.crumbs{font-size:13.5px;padding:14px 0;color:var(--text-muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0}
.crumbs li+li:before{content:"/";margin-right:6px;color:#9AAFA4}
.crumbs a{color:var(--text-muted)}
/* heroes and page heads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,#093F2A 0%,#0E5A3C 55%,#13744D 100%)}
.hero{padding:70px 0}
.pagehead{padding:56px 0 52px}
.hero:before,.pagehead:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(6,38,26,.82),rgba(9,63,42,.55))}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero h1,.pagehead h1{color:#fff}
.hero h1 span{color:var(--accent)}
.hero p.lead,.pagehead p.lead{color:#E3F2EA;font-size:17.5px;max-width:620px;margin:16px 0 24px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:#fff;font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--accent)}
.badge-alt{background:var(--accent);color:var(--primary-dk)}
.badge-alt:before{background:var(--primary-dk)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:#D5ECE0;font-size:14px;font-weight:600;list-style:none;padding:0}
.trustrow li:before{content:"\2713\00a0";color:var(--accent)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.statpanel{background:rgba(6,38,26,.7);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:26px 28px;color:#fff}
.statpanel h2{font-size:15px;opacity:.85;margin:0 0 12px;color:#fff;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--accent);font-family:var(--font-head);font-size:16px;text-align:right}
.strip{background:var(--bg2);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.strip-inner{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 20px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--primary);font-size:18px}
.emergency{background:var(--accent);color:var(--primary-dk);padding:22px 0}
.emergency-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px;margin:0;color:var(--primary-dk)}
.emergency p{font-size:14.5px}
/* sections */
.sec{padding:clamp(3rem,6vw,4.8rem) 0;background:#fff}
.sec.tint{background:var(--bg2)}
.sec.tight{padding:2.2rem 0}
.kick{color:var(--primary-dk);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2:first-child,.kick+h2{margin-top:.6rem}
main p{max-width:74ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul+p,main ol+p,main p+ul,main p+ol{margin-top:14px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.twocol article{min-width:0}
.twocol article>h2:first-child{margin-top:0}
.sidecard{position:sticky;top:96px;align-self:start;background:var(--primary-dk);color:#fff;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-lg)}
.sidecard .kick{color:var(--accent)}
.sidecard h3{color:#fff;margin:.5rem 0 .6rem;font-size:1.2rem}
.sidecard p{color:#D5ECE0;font-size:14.5px;margin-bottom:16px}
.sidecard ul{list-style:none;padding:0;margin:18px 0 14px}
.sidecard li{font-size:14px;padding:7px 0;border-bottom:1px solid rgba(255,255,255,.14);color:#EAF5EF}
.sidecard li:before{content:"\2713\00a0\00a0";color:var(--accent);font-weight:700}
.sidecard li:last-child{border-bottom:0}
.sidecard .sidelink{color:var(--accent);font-weight:700;font-size:14px;text-decoration:none;display:inline-block;margin-top:6px}
.sidecard .sidelink:hover{text-decoration:underline;color:var(--accent)}
.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;box-shadow:var(--shadow)}
.card .ic{width:50px;height:50px;background:var(--bg2);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:14.5px;color:var(--text-muted);margin-bottom:12px}
.card a.more{font-weight:700;font-size:14px;text-decoration:none}
.card a.more: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(--primary);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin:0 0 6px}
.whycard p{font-size:14px;color:var(--text-muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none;padding:0}
.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(--accent);color:var(--primary-dk);font-family:var(--font-head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:14px;color:var(--text-muted);margin-left:auto;margin-right:auto}
.panel-card,.callout-card,.insight-card{border-radius:18px;padding:34px 38px;margin:1.6rem 0;max-width:900px}
.panel-card{background:#fff;border:1px solid var(--border);box-shadow:var(--shadow-lg)}
.callout-card{background:#fff;border:1px solid var(--border);box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.callout-card:before{content:"";position:absolute;top:0;left:0;bottom:0;width:6px;background:linear-gradient(180deg,var(--accent),var(--primary))}
.insight-card{background:var(--bg2);border:1px solid var(--border);position:relative}
.insight-card:before{content:"";position:absolute;top:22px;bottom:22px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--primary)}
.panel-card h2,.callout-card h2,.insight-card h2,.panel-card h3,.callout-card h3,.insight-card h3{margin-top:0}
.icon-list{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:14px}
.icon-list li{display:flex;align-items:flex-start;gap:14px}
.icon-list .ico{flex:none;width:27px;height:27px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;margin-top:1px}
.table-wrap{overflow-x:auto;margin:1.4rem 0;border:1px solid var(--border);border-radius:var(--radius)}
.ctable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.ctable th{background:var(--primary-dk);color:#fff;text-align:left;padding:13px 18px;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em}
.ctable td{padding:14px 18px;border-top:1px solid var(--border);vertical-align:top}
.ctable tr:nth-child(even) td{background:var(--bg3)}
.ctable td:first-child{font-weight:700;color:var(--primary-dk)}
.prep{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:1.4rem 0}
.prepcard{background:#fff;border:1px solid var(--border);border-top:4px solid var(--accent);border-radius:var(--radius);padding:20px}
.prepcard .prep-h{display:block;font-family:var(--font-head);font-size:16px;margin:0 0 8px;color:var(--text)}
.prepcard p{font-size:14.5px;color:var(--text-muted)}
.insurepanel{background:var(--primary-dk);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin:1.6rem 0}
.insurepanel h3,.insurepanel h2{margin:0 0 8px;color:var(--accent);font-size:1.4rem}
.insurepanel p{font-size:15px;color:#D5ECE0;max-width:560px}
.insurepanel p+p{margin-top:10px}
.localnote{background:var(--bg2);border:1px solid var(--border);border-left:6px solid var(--primary);border-radius:var(--radius);padding:26px 30px;margin:2rem 0}
.localnote h2{margin:0 0 .6rem;font-size:1.3rem}
.sources{font-size:13.5px;color:var(--text-muted);margin-top:14px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;list-style:none;padding:0}
.areas a{display:block;background:#fff;border:1px solid var(--border);padding:13px 14px;border-radius:10px;color:var(--text);text-decoration:none;font-weight:600;font-size:14px;text-align:center}
.areas a:hover{background:var(--bg2)}
/* faq */
.faq{margin:1.4rem 0}
.faq-item{border:1px solid var(--border);border-radius:12px;margin-bottom:10px;background:#fff}
.faq-q{width:100%;text-align:left;background:none;border:0;font:600 16px var(--font-body);color:var(--text);padding:16px 48px 16px 18px;cursor:pointer;position:relative;min-height:48px}
.faq-q:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--primary)}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-answer{max-height:1400px}
.faq-answer-inner{padding:0 18px 16px}
.faq-answer-inner p{font-size:15.5px}
/* maps */
.map-sec{background:var(--bg2);padding:2.6rem 0;border-top:1px solid var(--border)}
.map-sec h2{margin:0 0 6px;font-size:1.4rem}
.map-sec p{margin-bottom:14px;color:var(--text-muted)}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);background:#cfe3d8}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-inline{margin:1.6rem 0}
.map-inline .map-wrap{padding-bottom:56%}
/* cta band */
.ctaband{background:var(--primary-dk);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{color:#fff;margin:0 0 8px;font-size:clamp(1.5rem,3.4vw,2.3rem)}
.ctaband p{color:#D5ECE0;font-size:17px;margin:0 auto 22px}
/* blog index and cards */
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.postcard{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.postcard .pc-top{height:8px;background:linear-gradient(90deg,var(--primary),var(--accent))}
.postcard .pc-body{padding:22px;display:flex;flex-direction:column;flex:1}
.postcard h2,.postcard h3{font-size:17px;margin:0 0 10px}
.postcard h2 a,.postcard h3 a{text-decoration:none;color:var(--text)}
.postcard p{font-size:14.5px;color:var(--text-muted);margin-bottom:12px}
.postcard .tag{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--primary);margin-bottom:8px}
.postmeta{font-size:13.5px;color:var(--text-muted);margin:12px 0 0}
/* footer */
.site-footer{background:#0A2A1D;color:#CFE3D8;padding:52px 0 30px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:32px}
.site-footer h2{color:#fff;font-size:16px;margin:0 0 12px}
.site-footer a{color:#CFE3D8;text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--accent)}
.site-footer p{color:#CFE3D8;max-width:none}
.site-footer p+p{margin-top:8px}
.site-footer .footer-logo img{height:50px;width:auto;margin-bottom:14px}
.site-footer .footer-phone{color:var(--accent);font-weight:700;font-size:18px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;font-size:13px;color:#A9C4B6}
.footer-bottom p{color:#A9C4B6}
/* sticky call */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--primary-dk);z-index:8000;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--accent);font-weight:700;font-size:16px;text-decoration:none;min-height:44px}
.float-call{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--accent);color:var(--primary-dk);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:var(--shadow-lg);z-index:7000}
.float-call:hover{background:var(--accent-dk);color:var(--primary-dk)}
.article-meta{font-size:14px;color:var(--text-muted);margin:6px 0 0}
.inline-cta{background:var(--bg2);border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px;margin:1.8rem 0}
.inline-cta p{margin:0 0 12px}
.note{font-size:14px;color:var(--text-muted)}
.page404{text-align:center;padding:5rem 0}
@media(max-width:1100px){.nav-links{gap:1rem}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:900px){
.hero .wrap{grid-template-columns:1fr}
.twocol{grid-template-columns:1fr}
.sidecard{position:static}
.cards,.why,.postgrid,.prep{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:24px}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.insurepanel{grid-template-columns:1fr}
.map-wrap{padding-bottom:62%}
}
@media(max-width:768px){
.nav-links{display:none}
.hamburger{display:flex}
.sticky-cta{display:block}
body{padding-bottom:68px}
.float-call{display:none}
.topbar-inner{justify-content:center;text-align:center}
.topbar .topbar-area{display:none}
}
@media(max-width:600px){
.cards,.why,.postgrid,.prep,.steps{grid-template-columns:1fr}
.areas{grid-template-columns:1fr 1fr}
.footer-grid{grid-template-columns:1fr}
.wrap{padding:0 18px}
.panel-card,.callout-card,.insight-card{padding:26px 22px;max-width:100%}
.hero{padding:44px 0}
.pagehead{padding:38px 0 34px}
.strip-inner{justify-content:flex-start}
.logo img{height:40px}
}
@media(min-width:769px){.sticky-cta{display:none}}

main li,main p,main a{overflow-wrap:anywhere}
.icon-list li{min-width:0}.icon-list li>span:last-child{min-width:0}

.card{overflow:hidden}
.card .thumb{display:block;width:calc(100% + 52px);max-width:none;margin:-26px -26px 18px;aspect-ratio:16/9;object-fit:cover;height:auto}
.fig{margin:1.6rem 0}
.fig img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius);border:1px solid var(--border)}
.pc-imglink{display:block}
.postcard .pc-img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.postgrid{margin-top:1.4rem}