:root{--navy:#244d79;--blue:#6f91a5;--orange:#a84f12;--gold:var(--orange);--slate:var(--blue);--mist:#e8f0ef;--cream:#fbf7f0;--white:#fff;--ink:#26384b;--muted:#5e6e7d;--line:#d5dee2;--field-border:#bdcecd;--surface:#f8fbfb;--accent-soft:#f4e6d4;--header-wash:#e8f0ef59;--shadow-soft:0 24px 70px #244d791f;--shadow-menu:0 20px 46px #244d7933;--shadow-selected:0 10px 24px #244d7933;--focus-outline:#123a63;--focus-ring:0 0 0 3px #123a6347}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--white);color:var(--navy);margin:0;font-family:Trebuchet MS,Segoe UI,Arial,sans-serif;line-height:1.55}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--focus-outline);outline-offset:3px}.skip-link{z-index:1000;background:var(--white);color:var(--navy);border-radius:4px;padding:11px 16px;font-weight:800;text-decoration:underline;position:fixed;top:12px;left:12px;transform:translateY(calc(-100% - 20px))}.skip-link:focus{transform:translateY(0)}button,input,select,textarea{font:inherit}img{max-width:100%;display:block}.section-shell{width:min(1160px,100% - 48px);margin-inline:auto}.site-header{z-index:20;background:var(--mist);height:200px;position:relative}.site-header:after{content:"";z-index:1;background:var(--header-wash);-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px);border-bottom:1px solid #ffffff73;height:200px;position:absolute;inset:0 0 auto}.header-inner{z-index:2;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:center;gap:clamp(28px,4vw,64px);width:min(1328px,100% - 64px);height:200px;margin:0 auto;display:grid;position:relative}.brand{background:radial-gradient(farthest-side,#fff 0%,#ffffffb8 50%,#fff0 100%);border-radius:999px;width:219px;height:100%;display:block}.brand img{object-fit:contain;width:100%;height:100%}.desktop-nav{color:var(--navy);letter-spacing:.045em;align-items:center;gap:clamp(24px,3vw,42px);font-size:16px;display:flex}.desktop-nav-left{justify-content:flex-end}.desktop-nav-right{justify-content:flex-start}.desktop-nav a{white-space:nowrap}.desktop-nav>a{padding:14px 0;transition:color .18s}.desktop-nav>a:hover,.desktop-nav>a:focus-visible{color:var(--slate)}.mobile-nav{display:none}.hero-banner{z-index:0;background-image:url(/images/sunset.png);background-position:50%;background-size:cover;position:absolute;inset:0}.intro{grid-template-columns:1.08fr 1fr;align-items:center;gap:76px;padding-top:38px;display:grid}.intro>h1{text-align:center;letter-spacing:.01em;margin:0;font-size:clamp(36px,3.35vw,50px);font-weight:800;line-height:1.27}.coverage-grid{grid-template-columns:repeat(2,1fr);gap:14px;display:grid}.coverage-card{text-align:center;background:var(--mist);min-height:248px;color:var(--orange);border-radius:10px;flex-direction:column;align-items:center;padding:20px 22px 16px;display:flex}.line-icon{fill:none;stroke:currentColor;stroke-width:2.6px;stroke-linecap:round;stroke-linejoin:round;width:42px;height:42px;margin-bottom:4px}.coverage-card h2{margin:3px 0 8px;font-size:19px;font-weight:800}.coverage-card p{min-height:68px;margin:0;font-size:16px;line-height:1.45}.coverage-card a{text-underline-offset:2px;margin-top:auto;font-size:17px;font-weight:800;text-decoration:underline}.coverage-card a:hover,.coverage-card a:focus-visible{color:var(--navy)}.strengths{grid-template-columns:repeat(3,1fr);gap:54px;padding-top:76px;display:grid}.strength{text-align:center;grid-template-columns:50px 1fr;align-items:center;gap:24px;display:grid}.spark-icon{fill:none;width:42px;height:42px;stroke:var(--slate);stroke-width:3px;stroke-linecap:round}.spark-icon circle:last-child{fill:var(--gold);stroke:none}.strength h2{min-height:58px;margin:0 0 11px;font-size:22px;font-weight:800;line-height:1.2}.strength p{margin:0;font-size:17px;line-height:1.45}.orange-rule{background:var(--orange);width:min(720px,100% - 48px);height:1px;margin:39px auto 44px}.testimonials{grid-template-columns:repeat(3,1fr);gap:17px;display:grid}.testimonial{min-height:334px;color:var(--white);border-radius:7px;margin:0;padding:28px 32px}.testimonial-navy{background:var(--navy)}.testimonial-gold,.testimonial-orange{background:var(--orange)}.testimonial-slate{background:var(--blue)}.quote-mark{height:49px;font:800 64px/1 Georgia,serif;display:block}.testimonial blockquote{margin:0 0 17px;font-size:14px;line-height:1.55}.testimonial figcaption{font-size:14px;font-weight:800}.carriers{text-align:center;padding:52px 0 58px}.carriers h2{max-width:390px;margin:0 auto;font-size:30px;font-weight:800;line-height:1.3}.carrier-rule{background:var(--orange);width:570px;max-width:70%;height:1px;margin:23px auto 30px}.carrier-logos{grid-template-columns:repeat(5,1fr);align-items:center;gap:28px;display:grid}.carrier-logos a{filter:saturate(.92);place-items:center;min-height:66px;transition:transform .18s,filter .18s;display:grid}.carrier-logos a:hover,.carrier-logos a:focus-visible{filter:saturate(1.2);transform:translateY(-3px)}.carrier-logos img{object-fit:contain;width:100%;max-width:160px;height:auto;max-height:58px}.site-footer{background:var(--navy);color:var(--white);padding:72px 0 24px;font-size:14px}.footer-inner{grid-template-columns:minmax(260px,1.45fr) repeat(3,minmax(140px,.75fr));align-items:start;gap:clamp(38px,5vw,76px);width:min(1180px,100% - 64px);margin:0 auto 64px;display:grid}.footer-brand{max-width:330px}.footer-brand-name{color:var(--white);letter-spacing:-.025em;font-family:Georgia,Times New Roman,serif;font-size:28px;font-weight:500;line-height:1.08;display:block}.footer-brand p{color:#ffffffb8;margin:20px 0 0;font-size:15px;line-height:1.65}.footer-quote-button{color:var(--white);border-bottom:1px solid #ffffff80;align-items:center;gap:10px;margin-top:25px;padding-bottom:4px;font-weight:800;display:inline-flex}.footer-quote-button span{transition:transform .18s}.footer-quote-button:hover,.footer-quote-button:focus-visible{color:#ffd7ad;border-color:#ffd7ad}.footer-quote-button:hover span,.footer-quote-button:focus-visible span{transform:translate(4px)}.footer-column{color:#ffffffbd;flex-direction:column;gap:11px;display:flex}.footer-column h2{color:var(--white);margin:2px 0 10px;font-family:Georgia,Times New Roman,serif;font-size:19px;font-weight:500}.footer-column address{flex-direction:column;gap:11px;font-style:normal;display:flex}.footer-column a{width:fit-content;line-height:1.5;transition:color .18s}.footer-contact a{overflow-wrap:anywhere}.footer-column a:hover,.footer-column a:focus-visible,.footer-legal a:hover,.footer-legal a:focus-visible{color:#ffd7ad}.site-footer a:focus-visible{outline-color:var(--white)}.footer-bottom{color:#ffffffb8;border-top:1px solid #ffffff2e;justify-content:space-between;gap:24px;width:min(1180px,100% - 64px);margin:0 auto;padding-top:22px;font-size:12px;display:flex}.footer-bottom p{margin:0}.footer-legal{flex-wrap:wrap;justify-content:flex-end;gap:8px;display:flex}.footer-legal a{color:#ffffffc7;text-underline-offset:3px;-webkit-text-decoration:underline #ffffff4d;text-decoration:underline #ffffff4d;transition:color .18s}.footer-legal span{color:#ffffff47}.inner-page{background:linear-gradient(180deg, var(--cream) 0 290px, var(--white) 290px);min-height:600px;padding-bottom:80px}.inner-hero{text-align:center;width:min(860px,100% - 48px);margin:0 auto;padding:74px 0 54px}.inner-hero h1{color:var(--navy);margin:0;font-size:clamp(38px,5vw,58px);font-weight:800;line-height:1.1}.inner-hero>div{max-width:720px;color:var(--muted);margin:22px auto 0;font-size:18px}.form-card{border:1px solid var(--line);background:var(--white);max-width:900px;box-shadow:var(--shadow-soft);border-radius:14px;padding:44px}.direct-contact{background:var(--mist);text-align:center;border-radius:10px;max-width:900px;margin-bottom:28px;padding:26px 32px}.direct-contact h2{margin:0 0 6px;font-size:24px;line-height:1.25}.direct-contact p{color:var(--muted);margin:0 0 16px}.direct-contact address{flex-wrap:wrap;justify-content:center;gap:8px 24px;font-style:normal;font-weight:800;display:flex}.direct-contact a{text-underline-offset:3px;text-decoration:underline}.direct-contact a:hover,.direct-contact a:focus-visible{color:var(--orange)}.quote-switcher-card{max-width:1040px}.faq-card{border:1px solid var(--line);background:var(--white);max-width:1040px;box-shadow:var(--shadow-soft);border-radius:14px;padding:44px}.quote-type-selector{grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:40px;display:grid}.quote-type-button{background:var(--mist);min-height:116px;color:var(--navy);cursor:pointer;border:2px solid #0000;border-radius:9px;flex-direction:column;justify-content:center;align-items:center;gap:5px;padding:14px 10px;font-weight:800;transition:background .18s,border-color .18s,color .18s,transform .18s;display:flex}.quote-type-button .line-icon{width:38px;height:38px;color:var(--orange);margin:0}.quote-type-button:hover,.quote-type-button:focus-visible{border-color:var(--orange);transform:translateY(-2px)}.quote-type-button.is-selected{border-color:var(--navy);background:var(--navy);color:var(--white);box-shadow:var(--shadow-selected)}.quote-type-button.is-selected .line-icon{color:var(--white)}.faq-type-selector{margin-bottom:0}.faq-panel{border-top:1px solid var(--line);margin-top:40px;padding-top:35px}.faq-heading{margin-bottom:26px}.faq-heading h2,.faq-cta h2{color:var(--navy);margin:0;font-size:29px;line-height:1.25}.faq-heading p,.faq-cta p{color:var(--muted);margin:7px 0 0}.faq-list{gap:12px;display:grid}.faq-item{border:1px solid var(--line);background:var(--surface);border-radius:8px;overflow:hidden}.faq-item summary{min-height:58px;color:var(--navy);cursor:pointer;justify-content:space-between;align-items:center;gap:24px;padding:15px 20px;font-weight:800;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--orange);flex:none;font-size:26px;font-weight:500;line-height:1}.faq-item[open] summary:after{content:"−"}.faq-item p{color:var(--muted);margin:0;padding:0 20px 18px}.faq-source,.faq-disclaimer{color:var(--muted);font-size:13px}.faq-source{margin:22px 0 0}.faq-source a{text-underline-offset:3px;font-weight:800;text-decoration:underline}.faq-source a:hover,.faq-source a:focus-visible{color:var(--orange)}.faq-disclaimer{margin:7px 0 0}.faq-cta{background:var(--mist);text-align:center;border-radius:10px;margin-top:34px;padding:28px}.faq-cta h2{font-size:25px}.faq-cta .primary-button{margin-top:18px}.quote-form-panel{border-top:1px solid var(--line);padding-top:35px}.quote-form-heading{margin-bottom:28px}.quote-form-heading p{color:var(--muted);margin:7px 0 0}.quote-form-heading h2{color:var(--navy);margin:0;font-size:29px;line-height:1.25}.form-grid{grid-template-columns:repeat(2,1fr);gap:22px;display:grid}.form-field{color:var(--ink);flex-direction:column;gap:7px;font-weight:700;display:flex}.required-label{color:var(--muted);font-size:.9em;font-weight:500}.field-wide{grid-column:1/-1}.form-field input,.form-field select,.form-field textarea{border:1px solid var(--field-border);background:var(--surface);width:100%;color:var(--ink);border-radius:6px;outline:none}.form-field input,.form-field select{height:48px;padding:0 13px}.form-field textarea{resize:vertical;padding:12px 13px}.form-field input:focus,.form-field select:focus,.form-field textarea:focus{border-color:var(--navy);box-shadow:var(--focus-ring)}.form-field input:focus-visible,.form-field select:focus-visible,.form-field textarea:focus-visible{outline:3px solid var(--focus-outline);outline-offset:2px}.radio-field{border:0;padding:0}.radio-field>div{align-items:center;gap:28px;min-height:48px;display:flex}.radio-field label{align-items:center;gap:8px;font-weight:500;display:flex}.radio-field input{width:17px;height:17px;accent-color:var(--orange)}.submit-button,.primary-button{background:var(--orange);min-height:50px;color:var(--white);cursor:pointer;border:0;border-radius:6px;justify-content:center;align-items:center;margin-top:30px;padding:0 26px;font-weight:800;transition:background .18s,transform .18s;display:inline-flex}.submit-button:hover,.submit-button:focus-visible,.primary-button:hover,.primary-button:focus-visible{background:var(--navy);transform:translateY(-2px)}.form-help,.form-status{color:var(--muted);margin:12px 0 0;font-size:13px}.form-privacy-link{margin-top:5px}.form-privacy-link a,.privacy-content a{text-underline-offset:3px;font-weight:800;text-decoration:underline}.form-privacy-link a:hover,.form-privacy-link a:focus-visible,.privacy-content a:hover,.privacy-content a:focus-visible{color:var(--orange)}.form-status{color:var(--navy);font-weight:800}.about-content{background:var(--white);max-width:1040px;box-shadow:var(--shadow-soft);border-radius:16px;grid-template-columns:minmax(280px,.75fr) 1.25fr;align-items:center;gap:64px;padding:50px;display:grid}.home-about{margin-bottom:54px;scroll-margin-top:24px}.about-photo-wrap{aspect-ratio:4/5;background:var(--mist);border-radius:10px;overflow:hidden}.about-photo-wrap img{object-fit:cover;width:100%;height:100%}.about-copy h2{margin:0 0 20px;font-size:32px}.about-copy p{color:var(--muted);margin:0 0 17px;font-size:16px}.privacy-content{border:1px solid var(--line);background:var(--white);max-width:900px;box-shadow:var(--shadow-soft);color:var(--muted);border-radius:14px;padding:44px}.privacy-content section+section{margin-top:34px}.privacy-content h2{color:var(--navy);margin:0 0 12px;font-size:25px;line-height:1.25}.privacy-content p,.privacy-content ul{margin:0 0 14px}.privacy-content ul{padding-left:24px}.privacy-content li+li{margin-top:7px}.inner-page h1,.inner-page h2,.inner-page h3{letter-spacing:-.035em;font-family:Georgia,Times New Roman,serif;font-weight:500}@media (max-width:1000px){.footer-inner{grid-template-columns:repeat(2,1fr);row-gap:52px}.intro{grid-template-columns:1fr;gap:48px}.intro>h1{max-width:800px;margin:0 auto}.coverage-grid{width:min(700px,100%);margin:0 auto}.strengths{gap:24px}.strength{grid-template-columns:1fr;gap:10px}.strength .spark-icon{margin:0 auto}}@media (max-width:760px){.section-shell{width:min(100% - 32px,600px)}.header-inner{flex-direction:column;gap:0;width:calc(100% - 32px);display:flex}.brand{flex:0 0 148px;width:min(170px,46vw);height:148px}.desktop-nav{display:none}.mobile-nav{width:100%;height:52px;color:var(--navy);letter-spacing:.045em;justify-content:space-between;align-items:center;gap:clamp(5px,1.8vw,12px);font-size:clamp(16px,4vw,18px);display:flex}.mobile-nav a{white-space:nowrap;padding:12px 4px}.intro{padding-top:42px}.intro>h1{font-size:clamp(31px,9vw,40px)}.coverage-grid,.strengths,.testimonials,.carrier-logos,.form-grid,.about-content{grid-template-columns:1fr}.quote-type-selector{grid-template-columns:repeat(2,1fr);gap:9px;margin-bottom:32px}.quote-type-button{min-height:105px}.quote-form-heading h2,.faq-heading h2{font-size:24px}.coverage-card{min-height:230px}.strengths{gap:42px;padding-top:58px}.strength h2,.testimonial{min-height:auto}.carrier-logos{grid-template-columns:repeat(2,1fr);gap:24px}.carrier-logos a:last-child{grid-column:1/-1}.footer-inner{grid-template-columns:repeat(2,1fr);gap:42px 28px;width:calc(100% - 32px);margin-bottom:48px}.footer-brand,.footer-contact{grid-column:1/-1}.footer-brand{max-width:430px}.footer-bottom{flex-direction:column;gap:10px;width:calc(100% - 32px)}.footer-legal{justify-content:flex-start}.inner-page{background:linear-gradient(180deg, var(--cream) 0 220px, var(--white) 220px);padding-bottom:50px}.inner-hero{width:calc(100% - 32px);padding:52px 0 40px}.inner-hero h1{font-size:38px}.inner-hero>div{font-size:16px}.form-card,.faq-card,.direct-contact,.about-content,.privacy-content{padding:24px}.field-wide{grid-column:auto}.about-content{gap:32px}.about-photo-wrap{max-height:520px}.submit-button,.primary-button{width:100%}}@media (max-width:480px){.site-footer{padding-top:56px}.footer-brand,.footer-contact{grid-column:auto}}@media (max-width:400px){.site-header,.site-header:after{height:280px}.mobile-nav{flex-wrap:wrap;justify-content:center;column-gap:2rem}.mobile-nav a{font-size:20px}.footer-inner{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important}}
