:root{
  --blue:#0A4DA2;--blue-d:#083A7A;--sky:#EEF5FD;--sun:#FFB81C;--sun-d:#E6A200;
  --ink:#12233B;--gray:#51637C;--line:#D9E4F1;--red:#D64545;--white:#fff;
  --border:var(--line);--bg3:var(--sky);--accent:var(--blue);--primary:var(--blue-d);
  --text:var(--ink);--radius:10px;--shadow-lg:0 20px 50px rgba(18,35,59,.14);
  --trans:.2s ease;--container:1180px
}
*{margin:0;padding:0;box-sizing:border-box}
html,body{overflow-x:hidden}
body{font-family:'Source Sans 3',Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
h1,h2,h3,h4{font-family:'Figtree',Arial,sans-serif;letter-spacing:-.015em;line-height:1.15}
h1{font-size:clamp(1.9rem,4.5vw,3rem)}
h2{font-size:clamp(1.4rem,3vw,2.25rem)}
h3{font-size:clamp(1.15rem,2vw,1.6rem)}
img{max-width:100%;height:auto;display:block}
.container{max-width:var(--container);margin:0 auto;padding:0 1.25rem}
@media(max-width:480px){.container{padding:0 1rem}}
a{color:inherit}
.btn{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:16px;padding:14px 28px;text-decoration:none;border-radius:8px;box-shadow:0 4px 14px rgba(255,184,28,.4)}
.btn:hover{background:var(--sun-d)}
.btn.blue{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.btn-outline{display:inline-block;background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7);font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:16px;padding:12px 26px;text-decoration:none;border-radius:8px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--blue-d);color:#fff;padding:.75rem 1.25rem;z-index:10000}
.skip-link:focus{left:1rem;top:1rem}

/* Topbar */
.topbar{background:var(--blue-d);color:#BFD6F2;font-size:13.5px;padding:8px 0}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;font-weight:500;gap:1rem}
.topbar a{color:#BFD6F2;text-decoration:none;font-weight:700}
.topbar b{color:var(--sun)}
@media(max-width:600px){.topbar-address{display:none}}

/* Nav */
nav{background:#fff;box-shadow:0 2px 14px rgba(18,35,59,.07);position:sticky;top:0;z-index:100}
html{scroll-padding-top:78px}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:78px}
.logo{flex-shrink:1;min-width:0;font-family:'Figtree',Arial,sans-serif;font-weight:800;font-size:20px;color:var(--blue);text-decoration:none;display:flex;align-items:center;gap:10px;white-space:nowrap}
.logo .shield{width:36px;height:40px;background:var(--blue);clip-path:polygon(0 0,100% 0,100% 70%,50% 100%,0 70%);display:flex;align-items:center;justify-content:center;color:var(--sun);font-size:18px;flex-shrink:0}
.logo-icon{width:36px;height:36px;flex-shrink:0;object-fit:contain}
.nav-links{display:flex;align-items:center;gap:1.2rem;list-style:none;margin:0;padding:0}
.nav-links>li>a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.nav-links>li>a:hover{color:var(--blue)}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:0;min-width:260px;padding:.4rem 0;margin:0;list-style:none;background:var(--white);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 1rem;white-space:nowrap;color:var(--text);text-decoration:none;font-size:14px;font-weight:500}
.dropdown a:hover{background:var(--bg3);color:var(--accent)}
.nav-cta{background:var(--sun);color:var(--ink)!important;padding:10px 18px;border-radius:8px;font-weight:700!important}
.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);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(320px,85vw);background:var(--white);z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:1.5rem}
.mob-drawer[hidden]{display:block!important;transform:translateX(100%)}
.mob-drawer:not([hidden]){transform:translateX(0)}
.mob-drawer ul{list-style:none;margin:2.5rem 0 0;padding:0}
.mob-drawer li a{display:block;padding:.85rem 0;font-size:1.05rem;border-bottom:1px solid var(--border);text-decoration:none;color:var(--ink)}
.drawer-close{position:absolute;top:1rem;right:1rem;background:none;border:0;font-size:1.4rem;cursor:pointer;min-width:44px;min-height:44px}
.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}
@media(max-width:900px) and (min-width:769px){.nav-links{gap:.7rem;font-size:.85rem}}
@media(max-width:768px){.nav-links{display:none}.hamburger{display:flex}}

/* Hero */
.hero{background:linear-gradient(160deg,var(--blue) 0%,var(--blue-d) 100%);color:#fff;padding:clamp(2.5rem,6vw,4.75rem) 0;position:relative;overflow:hidden}
.hero-sm{padding:2.5rem 0}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:480px;height:480px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(1.5rem,4vw,3.25rem);align-items:center;position:relative;z-index:2}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr}}
.ribbon{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:18px}
.hero h1{margin-bottom:16px}
.hero p{color:#BFD6F2;font-size:18px;max-width:560px;margin-bottom:22px}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-bottom:14px}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 4px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;font-family:'Figtree',Arial,sans-serif;font-weight:600;font-size:13px;padding:5px 12px;border-radius:100px}
.hotline{font-family:'Figtree',Arial,sans-serif;font-weight:800;font-size:22px;text-decoration:none;color:#fff}
.hotline small{display:block;font-family:'Source Sans 3',Arial,sans-serif;font-weight:500;font-size:12px;color:#BFD6F2;letter-spacing:.06em;text-transform:uppercase}
.trust-line{color:#BFD6F2;font-size:14px}
.gcard{background:#fff;color:var(--ink);border-radius:16px;padding:28px;box-shadow:0 30px 70px rgba(0,0,0,.25)}
.gcard .gtop{display:flex;gap:16px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:16px}
.gcard .gshield{width:52px;height:58px;background:var(--blue);clip-path:polygon(0 0,100% 0,100% 70%,50% 100%,0 70%);display:flex;align-items:center;justify-content:center;color:var(--sun);font-size:25px;flex-shrink:0}
.gcard-title{font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:18px;line-height:1.15}
.gcard .gtop p{font-size:13.5px;color:var(--gray);margin-top:2px}
.gitem{display:flex;gap:12px;align-items:flex-start;padding:8px 0;font-size:14.5px}
.gitem .ck{color:#fff;background:var(--blue);border-radius:50%;width:21px;height:21px;display:flex;align-items:center;justify-content:center;font-size:11px;flex-shrink:0;margin-top:2px}

/* Sections */
section{padding:clamp(2.75rem,6vw,4.5rem) 0}
.kick{color:var(--blue);font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.lede{color:var(--gray);max-width:70ch;margin-top:.6rem}
.bg-sky{background:var(--sky)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:2rem}
@media(max-width:900px){.grid3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid3{grid-template-columns:1fr}}
.svc-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px;box-shadow:0 10px 26px rgba(18,35,59,.06);text-decoration:none;color:var(--ink);display:block;transition:transform var(--trans),box-shadow var(--trans)}
.svc-card:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(18,35,59,.12)}
.svc-card h3{font-size:17px;margin-bottom:8px;color:var(--blue-d)}
.svc-card p{font-size:14px;color:var(--gray)}
.panel-card{background:var(--white);border:1px solid var(--border);border-radius:20px;padding:clamp(1.75rem,4vw,2.75rem);box-shadow:var(--shadow-lg);max-width:900px;margin:0 auto}
.check-card{background:var(--sky);border-left:4px solid var(--blue);border-radius:0 14px 14px 0;padding:24px 26px}
.check-card ul{list-style:none;margin-top:.75rem}
.check-card li{padding:6px 0;font-size:15px}
.twocol{display:grid;grid-template-columns:1fr 335px;gap:40px;align-items:start}
@media(max-width:900px){.twocol{grid-template-columns:1fr}}
.factor{background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 18px;margin-bottom:10px}
.factor b{display:block;color:var(--blue-d);margin-bottom:2px;font-size:14.5px}
.factor p{font-size:14px;color:var(--gray)}
.stack-p{margin-top:1rem}
.wide-p{margin-top:1.5rem;max-width:70ch}
.data-table{width:100%;border-collapse:collapse;margin-top:1rem}
.data-table th{text-align:left;padding:10px 8px;border-bottom:2px solid var(--line)}
.data-table td{padding:10px 8px;border-bottom:1px solid var(--line)}
.data-table tr:last-child td{border-bottom:0}
.table-wrap{overflow-x:auto}
.center-p{text-align:center;margin-top:1.5rem}
.foot-addr{font-size:14px;margin-bottom:.5rem}
.panel-card.on-white{background:#fff}
.tel-link{color:var(--blue);font-weight:700;text-decoration:none}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:18px 0;font-family:'Figtree',Arial,sans-serif;font-weight:700;font-size:16px;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq-q .plus{font-size:20px;color:var(--blue);flex-shrink:0}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-answer p{padding-bottom:18px;color:var(--gray);font-size:15px;max-width:72ch}
.faq-item.open .faq-answer{max-height:900px}
.faq-item.open .plus{transform:rotate(45deg)}

/* Map */
.map-wrap{border-radius:16px;overflow:hidden;box-shadow:0 10px 30px rgba(18,35,59,.1)}
.map-wrap iframe{width:100%;height:380px;border:0;display:block}
.content-img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:0 10px 30px rgba(18,35,59,.1);object-fit:cover}
.content-img-wide{aspect-ratio:16/9}
.content-img-std{aspect-ratio:4/3}
.img-caption{font-size:13px;color:var(--muted,#5b6b82);margin-top:8px;text-align:center}

/* Footer */
footer{background:var(--ink);color:#B9C6D9;padding:3rem 0 1.5rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.foot-grid{grid-template-columns:1fr}}
footer .foot-h{color:#fff;font-size:14.5px;margin-bottom:.9rem;font-weight:700}
footer a{color:#B9C6D9;text-decoration:none;font-size:14px;display:block;margin-bottom:.55rem}
footer a:hover{color:var(--sun)}
.foot-brand{font-family:'Figtree',Arial,sans-serif;font-weight:800;color:#fff;font-size:19px;margin-bottom:.75rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.25rem;padding-top:1.25rem;font-size:12.5px;color:#8496AC;display:flex;flex-wrap:wrap;gap:1rem;justify-content:space-between}

/* Sticky mobile CTA */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:8000;background:var(--sun);box-shadow:0 -4px 16px rgba(0,0,0,.15)}
.sticky-cta a{display:block;text-align:center;padding:14px 0;font-family:'Figtree',Arial,sans-serif;font-weight:800;color:var(--ink);text-decoration:none;font-size:16px}
@media(max-width:768px){.sticky-cta{display:block}body{padding-bottom:58px}}