:root{--navy:#071c3c;--navy2:#0d2c57;--blue:#175ea8;--gold:#c99a3c;--cream:#fbf8f1;--ice:#edf5fb;--white:#fff;--ink:#14223a;--muted:#5d6a7c;--line:#dfe6ee;--shadow:0 24px 70px rgba(7,28,60,.12)}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--cream);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.65}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.08;margin:0 0 1rem;color:var(--navy)}
h1{font-size:clamp(2.7rem,6vw,5.5rem);letter-spacing:-.045em}
h2{font-size:clamp(2.1rem,4vw,3.75rem);letter-spacing:-.035em}
h3{font-size:1.35rem}
p{margin:.4rem 0 1.25rem}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1160px,calc(100% - 40px));margin:auto}
.eyebrow{display:flex;align-items:center;gap:.7rem;color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.75rem;margin-bottom:1rem}
.eyebrow:before{content:"";width:36px;height:2px;background:var(--gold)}
.topbar{background:var(--navy);color:#dbe7f4;font-size:.78rem;padding:.55rem 0}
.topbar .container{display:flex;justify-content:space-between;gap:1rem}
.header{position:sticky;top:0;z-index:20;background:rgba(251,248,241,.96);border-bottom:1px solid rgba(7,28,60,.08);backdrop-filter:blur(12px)}
.nav{height:84px;display:flex;align-items:center;justify-content:space-between}
.brand img{width:92px;height:58px;object-fit:contain}
.navlinks{display:flex;align-items:center;gap:1.8rem;font-weight:700;font-size:.9rem}
.navlinks a:not(.btn):hover,.navlinks a.active{color:var(--blue)}
.menu{display:none;border:0;background:none;font-size:1.8rem;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:.8rem 1.35rem;border-radius:4px;background:var(--gold);color:var(--navy);font-weight:900;font-size:.86rem;letter-spacing:.01em;box-shadow:0 10px 22px rgba(201,154,60,.2);transition:.2s}
.btn:hover{transform:translateY(-2px);filter:brightness(1.04)}
.btn.alt{background:transparent;color:white;border:1px solid rgba(255,255,255,.5);box-shadow:none}
.btn.blue{background:var(--blue);color:white}
.hero{min-height:690px;position:relative;display:grid;align-items:center;overflow:hidden;background:var(--navy);color:white}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,28,60,.97) 0%,rgba(7,28,60,.86) 46%,rgba(7,28,60,.12) 80%),url('assets/pexels-tima-family.jpg?v=5b557194ac31885e0407') center 43%/cover no-repeat}
.hero:after{content:"";position:absolute;width:320px;height:320px;border:1px solid rgba(201,154,60,.38);transform:rotate(45deg);right:-120px;bottom:-140px}
.hero .container{position:relative;z-index:2}
.hero-copy{max-width:680px}
.hero h1{color:white}
.hero p{font-size:1.1rem;color:#dfe9f5;max-width:610px}
.actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:2rem}
.trustbar{position:relative;z-index:3;margin-top:-42px}
.trustgrid{background:white;box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);padding:1.6rem}
.trustitem{padding:.5rem 1.2rem;border-right:1px solid var(--line)}
.trustitem:last-child{border:0}
.trustitem strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:1.1rem}
.trustitem span{font-size:.8rem;color:var(--muted)}
.carriers{padding:76px 0 82px;background:white;border-bottom:1px solid var(--line)}
.carriers-head{display:flex;justify-content:space-between;align-items:end;gap:2rem;margin-bottom:2rem}
.carriers-head h2{font-size:clamp(1.9rem,3vw,2.8rem);margin:0}
.carriers-head p{max-width:500px;color:var(--muted);margin:0}
.logo-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.logo-card{height:112px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;padding:20px;filter:grayscale(1);transition:.25s}
.logo-card:hover{filter:grayscale(0);border-color:#bdc9d6;box-shadow:0 10px 28px rgba(7,28,60,.08)}
.logo-card img{max-width:100%;max-height:65px;object-fit:contain}
.carrier-note{margin:1.2rem 0 0;font-size:.78rem;color:var(--muted)}
.section{padding:110px 0}
.section.white{background:white}
.section.ice{background:var(--ice)}
.section.dark{background:var(--navy);color:white}
.section.dark h2,.section.dark h3{color:white}
.center{text-align:center;max-width:760px;margin-left:auto;margin-right:auto}
.grid2{display:grid;grid-template-columns:1.05fr .95fr;gap:80px;align-items:center}
.photo-card{position:relative;background:white;padding:14px;box-shadow:var(--shadow)}
.photo-card img{width:100%;height:420px;object-fit:cover}
.photo-card .carrier-preview{min-height:360px;background:#f7f9fc;display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:20px;align-items:center}
.photo-card .carrier-preview img{height:130px;width:100%;object-fit:contain;background:white;border:1px solid var(--line);padding:18px}
.photo-card:before{content:"";position:absolute;inset:-18px 18px 18px -18px;border:2px solid var(--gold);z-index:-1}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.7rem}
.stat{border-left:3px solid var(--gold);padding-left:1rem}
.stat b{font-family:Georgia,serif;color:var(--navy);font-size:1.6rem;display:block}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:3rem}
.card{background:white;border:1px solid var(--line);padding:2rem;min-height:220px;transition:.25s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}
.icon{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--ice);color:var(--blue);font-size:1.45rem;margin-bottom:1.2rem}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:3rem}
.service{background:white;padding:2rem;border-top:4px solid var(--gold);box-shadow:0 10px 30px rgba(7,28,60,.06)}
.service p{font-size:.92rem;color:var(--muted)}
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:3rem}
.pillar{background:#0b2850;padding:2.1rem 1.4rem;border-bottom:4px solid var(--gold);text-align:center}
.pillar .num{font-family:Georgia,serif;font-size:3.8rem;line-height:1;color:rgba(201,154,60,.85)}
.pillar p{font-size:.88rem;color:#c6d5e6}
.faq{max-width:850px;margin:2.5rem auto 0}
.faq details{background:white;border:1px solid var(--line);margin:.7rem 0;padding:0 1.3rem}
.faq summary{cursor:pointer;list-style:none;font-weight:800;color:var(--navy);padding:1.1rem 2rem 1.1rem 0;position:relative}
.faq summary:after{content:"+";position:absolute;right:0;color:var(--gold);font-size:1.4rem}
.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--muted);font-size:.94rem}
.page-hero{background:linear-gradient(120deg,var(--navy),#123f73);color:white;padding:105px 0;position:relative;overflow:hidden}
.page-hero:after{content:"";position:absolute;right:5%;top:-140px;width:360px;height:360px;border:1px solid rgba(201,154,60,.4);transform:rotate(45deg)}
.page-hero h1{color:white;font-size:clamp(2.8rem,5vw,4.8rem)}
.page-hero p{max-width:680px;color:#dbe7f4}
.checklist{padding:0;list-style:none}
.checklist li{position:relative;padding:.45rem 0 .45rem 1.7rem}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}
.contact-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:2rem}
.contact-panel{background:var(--navy);padding:3rem;color:white}
.contact-panel h2,.contact-panel h3{color:white}
.contact-panel a{display:block;margin:.8rem 0;color:#dbe7f4}
.booking{background:white;box-shadow:var(--shadow);padding:1rem;min-height:720px}
.booking iframe{border:0;width:100%;height:690px}
.cta{padding:75px 0;background:linear-gradient(90deg,#0b2a54,#175ea8);color:white}
.cta .container{display:flex;align-items:center;justify-content:space-between;gap:2rem}
.cta h2{color:white;font-size:clamp(2rem,4vw,3.1rem);margin:0}
.footer{background:#06162f;color:#aebed1;padding:65px 0 22px}
.footergrid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:2.5rem}
.footer img{width:145px;background:white;padding:.4rem}
.footer h3{font-family:Inter,sans-serif;color:white;font-size:.85rem;text-transform:uppercase;letter-spacing:.12em}
.footer a{display:block;margin:.55rem 0;font-size:.88rem}
.footer a:hover{color:var(--gold)}
.fine{border-top:1px solid rgba(255,255,255,.12);margin-top:3rem;padding-top:1.5rem;font-size:.75rem}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

@media(max-width:900px){.navlinks{display:none;position:absolute;top:84px;left:0;right:0;background:var(--cream);padding:1.4rem 20px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}
.navlinks.open{display:flex}
.menu{display:block}
.hero{min-height:650px}
.trustgrid,.cards,.pillars{grid-template-columns:1fr 1fr}
.trustitem:nth-child(2){border-right:0}
.grid2,.contact-wrap{grid-template-columns:1fr;gap:45px}
.service-grid{grid-template-columns:1fr 1fr}
.footergrid{grid-template-columns:1fr 1fr}
.cta .container{display:block}
.cta .actions{margin-top:1.3rem}
.logo-grid{grid-template-columns:repeat(3,1fr)}
.carriers-head{display:block}
.carriers-head p{margin-top:1rem}
}

@media(max-width:620px){.topbar{display:none}
.nav{height:74px}
.navlinks{top:74px}
.container{width:min(100% - 28px,1160px)}
.hero{min-height:690px}
.hero:before{background:linear-gradient(180deg,rgba(7,28,60,.94),rgba(7,28,60,.78)),url('assets/pexels-tima-family.jpg?v=5b557194ac31885e0407') center/cover}
.trustbar{margin-top:0}
.trustgrid,.cards,.service-grid,.pillars,.footergrid{grid-template-columns:1fr}
.trustitem{border-right:0;border-bottom:1px solid var(--line)}
.section{padding:78px 0}
.photo-card img{height:300px}
.booking{padding:.25rem}
.booking iframe{height:760px}
.logo-grid{grid-template-columns:repeat(2,1fr)}
.logo-card{height:96px;padding:15px}
}

.calculator-promo{padding:64px 0;background:var(--gold);color:var(--navy)}
.calculator-promo-grid{display:grid;grid-template-columns:1.4fr .6fr;gap:3rem;align-items:center}
.calculator-promo h2{font-size:clamp(2rem,3.8vw,3.25rem);margin-bottom:.7rem}
.calculator-promo p{max-width:720px;margin:0}
.calculator-promo .eyebrow{color:var(--navy)}
.calculator-promo .eyebrow:before{background:var(--navy)}
.calculator-promo-action{text-align:right;display:grid;justify-items:end;gap:.65rem}
.calculator-promo-action .btn{background:var(--navy);color:white}
.calculator-promo-action span{font-size:.78rem;font-weight:700}
.calculator-main{background:#f5f8fb}
.calculator-intro{padding:86px 0 70px;background:linear-gradient(120deg,var(--navy),#123f73);color:white}
.calculator-intro h1{color:white;font-size:clamp(2.7rem,5vw,4.6rem);max-width:880px}
.calculator-intro p{max-width:760px;color:#dbe7f4;font-size:1.05rem}
.calculator-section{padding:72px 0 100px}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(330px,.8fr);gap:28px;align-items:start}
.needs-form,.calculator-result{background:white;border:1px solid var(--line);box-shadow:0 16px 46px rgba(7,28,60,.08)}
.needs-form{padding:36px}
.form-heading{display:flex;align-items:baseline;gap:14px;margin-bottom:22px}
.form-heading.second{margin-top:36px}
.form-heading span{color:var(--gold);font-size:.74rem;font-weight:900;text-transform:uppercase;letter-spacing:.12em;white-space:nowrap}
.form-heading h2{font-size:1.75rem;margin:0}
.calculator-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field-group label{display:block;font-size:.85rem;font-weight:800;color:var(--navy);margin-bottom:7px}
.field-group input,.field-group select{width:100%;height:50px;border:1px solid #cbd6e1;background:white;border-radius:3px;padding:0 13px;font:inherit;color:var(--ink)}
.field-group input:focus,.field-group select:focus{outline:3px solid rgba(23,94,168,.16);border-color:var(--blue)}
.full-field select{width:100%;height:52px;border:1px solid #cbd6e1;background:white;border-radius:3px;padding:0 13px;font:inherit;color:var(--ink)}
.money-input{position:relative}
.money-input span{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-weight:800;color:#6c7886}
.money-input input{padding-left:29px}
.calculator-submit{width:100%;margin-top:28px;border:0;cursor:pointer;font:inherit}
.calculator-note{font-size:.75rem;color:var(--muted);margin:16px 0 0;line-height:1.55}
.calculator-result{position:sticky;top:108px;min-height:460px;padding:36px;background:var(--navy);color:white}
.calculator-result h2{color:white;font-size:2rem;margin-top:12px}
.calculator-result p{color:#c8d6e6}
.result-placeholder{padding-top:38px}
.result-placeholder>span,.result-label{display:block;color:var(--gold);font-size:.76rem;font-weight:900;text-transform:uppercase;letter-spacing:.13em}
.result-amount{display:block;font-family:Georgia,"Times New Roman",serif;color:white;font-size:clamp(3rem,5vw,4.8rem);line-height:1;margin:16px 0}
.result-breakdown{border-top:1px solid rgba(255,255,255,.16);border-bottom:1px solid rgba(255,255,255,.16);margin:24px 0;padding:14px 0}
.result-breakdown div{display:flex;justify-content:space-between;gap:20px;padding:8px 0;font-size:.82rem;color:#c8d6e6}
.result-breakdown strong{color:white;text-align:right}
.result-content .btn{width:100%}
.result-reset{width:100%;border:0;background:none;color:white;text-decoration:underline;text-underline-offset:4px;padding:15px;cursor:pointer;font:inherit;font-weight:700}
.result-fine{font-size:.7rem!important;line-height:1.5}
@media(max-width:900px){.calculator-promo-grid,.calculator-layout{grid-template-columns:1fr}.calculator-promo-action{text-align:left;justify-items:start}.calculator-result{position:static}.navlinks{gap:1rem}}
@media(max-width:620px){.calculator-fields{grid-template-columns:1fr}.needs-form,.calculator-result{padding:24px}.calculator-intro{padding:64px 0 54px}.calculator-section{padding:36px 0 70px}.form-heading{display:block}.form-heading span{display:block;margin-bottom:6px}}

/* Coverage guides and crawlable topic links */
.guide-hero{padding:54px 0 64px;background:var(--navy);color:white}.guide-hero h1{color:white;font-size:clamp(2.5rem,5vw,4.4rem);max-width:950px}.guide-lead{font-size:1.2rem;max-width:800px;color:#e0e8f4}.guide-note{font-size:.85rem;color:#c9d7e9;margin-top:20px}.breadcrumbs{font-size:.85rem;margin-bottom:32px;color:#d7e4f5}.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}.guide-layout{display:grid;grid-template-columns:minmax(0,2fr) minmax(260px,1fr);gap:64px;align-items:start;padding-top:64px}.guide-section{margin-bottom:44px}.guide-section h2{font-size:clamp(1.7rem,3vw,2.4rem);line-height:1.15}.guide-section p{max-width:76ch}.guide-panel{padding:28px;background:white;border-top:4px solid var(--gold);box-shadow:var(--shadow)}.guide-panel h2{font-size:1.7rem}.guide-panel hr{border:0;border-top:1px solid var(--line);margin:24px 0}.guide-aside{position:sticky;top:30px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:30px}.guide-card{display:flex;flex-direction:column;padding:26px;background:white;border:1px solid var(--line);border-radius:6px;transition:box-shadow .2s,border-color .2s}.guide-card:hover{border-color:var(--gold);box-shadow:var(--shadow)}.guide-card h3{line-height:1.2}.guide-card p{color:var(--muted)}.guide-link{color:var(--blue);font-weight:750;text-decoration:underline;text-underline-offset:4px}.guide-card .guide-link{margin-top:auto}.guide-sources{padding:24px;background:var(--ice);font-size:.9rem}.guide-sources h2{font-size:1.4rem}.guide-sources a{text-decoration:underline}.guide-section .faq summary{line-height:1.5}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:4px}.guide-hero a:focus-visible{outline-color:var(--gold)}
@media(max-width:1000px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-layout{gap:28px}.navlinks{gap:.8rem;font-size:.8rem}.hero h1{font-size:clamp(2.7rem,5vw,4.4rem)}}@media(max-width:760px){.guide-grid,.guide-layout{grid-template-columns:1fr}.guide-aside{position:static}.guide-hero{padding:36px 0 46px}.guide-layout{padding-top:40px}.guide-hero .actions{align-items:stretch}.guide-hero .btn{width:100%}.guide-card{padding:24px}.guide-section{margin-bottom:32px}}