:root{
  --navy:#1a3a7a; --navy-2:#15326b; --gold:#d7262e; --gold-2:#b31d25;
  --ink:#1d2731; --muted:#5a6773; --line:#dfe5ee; --cream:#f3f6fb; --white:#fff;
  --ok:#2f7d4f; --err:#b3261e; --r:14px;
  --serif:"Source Serif 4",Georgia,serif; --sans:"Source Sans 3",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:18px/1.6 var(--sans);color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--navy-2);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4vw,2.9rem)} h2{font-size:clamp(1.5rem,3vw,2.1rem)} h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
section{padding:56px 0} section.wrap{padding-top:56px;padding-bottom:56px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}.skip:focus{left:8px}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--serif);font-weight:700;font-size:1.25rem;color:var(--navy-2)}
.logo-mark{background:var(--gold);color:var(--navy-2);border-radius:10px;padding:4px 8px;font-family:var(--sans);font-weight:700;font-size:1rem}
.nav{display:flex;align-items:center;gap:22px}
.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:1rem}
.nav a:hover{color:var(--gold-2)}
.nav-phone{color:var(--navy)!important;white-space:nowrap}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:600 1rem var(--sans);color:var(--navy)}

/* buttons */
.btn{display:inline-block;background:var(--gold);color:#fff!important;font-weight:700;text-decoration:none;border:0;border-radius:999px;padding:14px 28px;font-size:1.05rem;cursor:pointer;transition:background .15s,transform .15s}
.btn:hover{background:var(--gold-2);transform:translateY(-1px)}
.btn-sm{padding:9px 18px;font-size:.95rem}
.btn-block{width:100%}
.btn-light{background:#fff;color:var(--gold)!important}.btn-light:hover{background:var(--cream)}
.btn-ghost{background:transparent;border:2px solid var(--navy)}

/* hero */
.hero{position:relative;overflow:hidden;color:#fff;padding:64px 0 72px;background:var(--navy-2)}
.hero-bg,.hero-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,32,72,.88) 0%,rgba(13,32,72,.72) 45%,rgba(13,32,72,.25) 100%)}
.hero>.wrap{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{color:#fff}
.eyebrow{display:inline-block;background:var(--gold);color:#fff;font-weight:700;font-size:.85rem;letter-spacing:.03em;text-transform:uppercase;border-radius:999px;padding:5px 14px;margin-bottom:18px}
.lead{font-size:1.2rem}
.hero .lead{color:#eef3f7}
.ticks{list-style:none;padding:0;margin:0 0 20px;display:flex;flex-wrap:wrap;gap:10px 22px}
.ticks li{font-weight:600}
.ticks li::before{content:"✓";color:#ff6b72;font-weight:700;margin-right:8px}
.call-line{font-size:1.1rem}.call-line a{color:#fff;font-weight:700;text-decoration:none;border-bottom:2px solid var(--gold)}

/* form */
.lead-form{background:#fff;color:var(--ink);border-radius:var(--r);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.28);scroll-margin-top:90px}
.form-h{font-family:var(--serif);font-size:1.45rem;font-weight:700;color:var(--navy-2);margin:0 0 4px}
.form-sub{color:var(--muted);margin-bottom:14px;font-size:1rem}
.lead-form label{display:block;font-weight:600;font-size:.95rem;margin-bottom:12px}
.lead-form input:not([type=checkbox]),.lead-form select{display:block;width:100%;margin-top:5px;font:1.05rem var(--sans);padding:12px 13px;border:1.5px solid #cfd6dc;border-radius:10px;background:#fff;color:var(--ink)}
.lead-form input:focus,.lead-form select:focus{outline:3px solid rgba(215,38,46,.3);border-color:var(--gold-2)}
.lead-form .invalid{border-color:var(--err)!important}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.chk{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:.88rem!important;line-height:1.45}
.chk input{margin-top:3px;width:18px;height:18px;flex:none}
.form-msg{margin:10px 0 0;font-weight:600;font-size:.95rem}.form-msg.err{color:var(--err)}.form-msg.ok{color:var(--ok)}
.form-note{text-align:center;color:var(--muted);font-size:.85rem;margin:8px 0 0}
.hp{position:absolute;left:-5000px}

/* sections */
.band{background:var(--cream)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:10px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.band .step{border-color:transparent}
.num{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:12px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{padding:22px!important}
.cards.two{grid-template-columns:1fr 1fr}
.card{border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:24px;background:#fff}
.card .en{color:var(--muted);font-size:.9rem;margin-top:-.5em;font-style:italic}
.mini{background:#fff;border-radius:var(--r);padding:20px}
.mini h3{margin-bottom:.3em}.mini p{margin:0;font-size:1rem}
.more a{font-weight:700;text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split-img img,.inline-img img{border-radius:var(--r);box-shadow:0 14px 34px rgba(21,50,107,.16);aspect-ratio:4/3;object-fit:cover;width:100%}
.inline-img{display:block;margin:22px 0}
.inline-img.wide img{aspect-ratio:21/9}
.prose-sec{max-width:880px}
.prose-sec h2{margin-top:1.2em}

.towns-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr;gap:28px;margin-top:20px}
.tg h3{font-size:1.05rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-family:var(--sans)}
.town-list{list-style:none;padding:0;margin:0;columns:2;column-gap:20px}
.tg:not(:first-child) .town-list{columns:1}
.town-list li{margin:0 0 6px;break-inside:avoid}
.town-list a{text-decoration:none;font-weight:600}
.town-list a::before{content:"📍 ";font-size:.8em}
.town-list a:hover{text-decoration:underline}

.faq details{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--navy-2);list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:12px;font-size:1.5rem;color:var(--gold-2)}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 20px 6px}

.near-list{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.near-list li{background:var(--cream);border-radius:999px;padding:8px 16px}
.near-list a{font-weight:700;text-decoration:none}.near-list span{color:var(--muted);font-size:.9rem}

.cta-band{position:relative;overflow:hidden;color:#fff;text-align:center;padding:80px 0;background:var(--navy)}
.cta-band::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,32,72,.45),rgba(13,32,72,.7))}
.cta-band h2,.cta-band p{text-shadow:0 2px 12px rgba(0,0,0,.45)}
.cta-band>.wrap{position:relative;z-index:1}.cta-band h2{color:#fff}

.crumbs{font-size:.92rem;color:var(--muted);padding-top:16px;padding-bottom:0}
.crumbs a{color:var(--muted)}
.quote-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.quote-grid .steps{grid-template-columns:1fr}
.quote-grid .lead-form{position:sticky;top:90px}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;font-size:1rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}
thead th{background:var(--navy);color:#fff}
tbody th{background:var(--cream)}
.sm.cols{columns:2}
.thanks{text-align:center;padding:90px 20px}

/* footer */
.site-footer{background:var(--navy-2);color:#cfd9e2;padding:52px 0 90px;font-size:.95rem}
.site-footer a{color:#fff}
.f-grid{display:grid;grid-template-columns:1.2fr .8fr 1.2fr 1.2fr;gap:36px;margin-bottom:32px}
.f-grid>div>a{display:block;margin-bottom:6px;text-decoration:none}
.f-brand{font-family:var(--serif);font-weight:700;color:#fff;font-size:1.3rem}
.f-h{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.06em;font-size:.85rem}
.f-towns a{text-decoration:none}
.legal{border-top:1px solid rgba(255,255,255,.15);padding-top:22px;font-size:.84rem;color:#a9b8c5}
.mobile-cta{display:none}

@media (max-width:960px){
  .hero-grid,.split,.quote-grid{grid-template-columns:1fr;gap:30px}
  .split-rev .split-img{order:2}
  .towns-grid{grid-template-columns:1fr 1fr}
  .cards{grid-template-columns:1fr 1fr}
  .f-grid{grid-template-columns:1fr 1fr}
  .quote-grid .lead-form{position:static}
}
@media (max-width:820px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px}
  .nav.open{display:flex}
  .nav a{padding:10px 0}
  .nav .btn{text-align:center;margin-top:6px}
  .steps,.cards,.cards.two{grid-template-columns:1fr}
  .hero{padding:40px 0 48px}
  .hero::after{background:linear-gradient(180deg,rgba(13,32,72,.82),rgba(13,32,72,.9))}
  .mobile-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;background:var(--gold);color:#fff;text-align:center;font-weight:700;padding:14px;border-radius:999px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}
  .sm.cols,.town-list{columns:1}
}
@media (max-width:480px){ .f-grid{grid-template-columns:1fr} body{font-size:17px} .row2{grid-template-columns:1fr} .towns-grid{grid-template-columns:1fr} .town-list{columns:2!important} }
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}

/* services */
.card h3 a{text-decoration:none;color:var(--navy-2)}.card h3 a:hover{color:var(--gold-2)}
.card{display:flex;flex-direction:column}.card-link{margin-top:auto;font-weight:700;text-decoration:none}
ul.check,ul.warn{list-style:none;padding:0}
ul.check li,ul.warn li{padding-left:30px;position:relative;margin-bottom:10px}
ul.check li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
ul.warn li::before{content:"!";position:absolute;left:4px;color:var(--gold-2);font-weight:700}
.split.top{align-items:start}
.f-towns-in a{text-decoration:none;font-weight:600}

/* quiet town lists */
.towns-quiet{padding-top:8px;padding-bottom:24px}
.towns-fold{border-top:1px solid var(--line);padding-top:14px}
.towns-fold summary{cursor:pointer;color:var(--muted);font-size:.95rem;list-style:none}
.towns-fold summary::-webkit-details-marker{display:none}
.towns-fold summary::after{content:" ▾"}
.towns-fold[open] summary::after{content:" ▴"}
.towns-fold p{color:var(--muted);font-size:.9rem;margin-top:10px}
.towns-quiet .tg h3,.near .tg h3{font-size:.8rem}
.towns-quiet .town-list a,.near-list a,.f-towns a,.f-towns-in a{color:var(--muted)!important;font-weight:400!important;font-size:.9rem}
.towns-quiet .town-list a::before{content:none}
.near-list li{background:transparent;padding:0 6px 0 0}
.near h2{font-size:1.1rem;color:var(--muted)}
.near p{font-size:.9rem;color:var(--muted)}
.site-footer .f-towns a{color:#8fa3b4!important}

/* brand logo */
.logo img{height:60px;width:auto}
.f-brand img{height:60px;width:auto;margin-bottom:6px}
.site-footer{background:#0d2350}
.f-h{color:#ff8a8f}
@media (max-width:820px){.logo img{height:46px}}
.f-brand img{background:#fff;border-radius:12px;padding:8px 14px;height:76px!important;box-sizing:content-box}
.logo img{height:64px}

/* ── lead form (v2: matches brand screenshot) ── */
.lead-form .form-h{font-family:var(--sans);font-weight:400;font-size:1.32rem;line-height:1.3;color:var(--navy-2);margin-bottom:16px}
.lead-form .form-h strong{font-weight:700;color:var(--gold)}
.lead-form input:not([type=checkbox]),.lead-form select{margin-top:0;margin-bottom:12px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.f-dob{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.f-dob .inline-l{display:inline;margin:0 0 12px;font-weight:700;color:var(--muted);font-size:.95rem}
.f-dob input{width:auto!important;flex:1;min-width:170px}
.f-name{display:grid;grid-template-columns:92px 1fr 1fr;gap:10px}
.f-pc{display:grid;grid-template-columns:1fr auto;gap:10px}
.btn-find{background:#9aa3ad;color:#fff;border:0;border-radius:10px;padding:0 18px;height:50px;font:600 1rem var(--sans);cursor:pointer;white-space:nowrap}
.btn-find:hover{background:#7d8792}.btn-find:disabled{opacity:.7;cursor:wait}
.f-hint{color:var(--muted);font-size:.88rem;margin:-4px 0 12px}
.f-manual-link{margin:-6px 0 10px}
.linkbtn{background:none;border:0;padding:0;color:var(--navy);text-decoration:underline;font:inherit;font-size:.85rem;cursor:pointer}
.f-req{color:var(--muted);font-weight:700;font-size:.88rem;margin:6px 0 12px}
.btn-offer{background:var(--navy-2);color:#fff;border:0;border-radius:6px;padding:14px 26px;font:700 1.05rem var(--sans);letter-spacing:.02em;cursor:pointer;width:100%}
.btn-offer:hover{background:var(--gold)}.btn-offer:disabled{opacity:.7}
.addr-select{border-color:var(--navy)!important}
@media (max-width:480px){.f-name{grid-template-columns:1fr 1fr}.f-name select{grid-column:1/-1}}

/* insurer logos */
.insurers{padding:34px 0 30px;background:#fff;border-bottom:1px solid var(--line)}
.insurers h2{text-align:center;font-family:var(--sans);font-weight:700;font-size:1.25rem;color:var(--navy-2);margin-bottom:22px}
.ins-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,1fr);gap:22px 28px;align-items:center}
.ins-grid li{display:flex;justify-content:center;align-items:center;height:62px}
.ins-grid img{max-height:54px;max-width:100%;width:auto;height:auto;object-fit:contain}
@media (max-width:960px){.ins-grid{grid-template-columns:repeat(4,1fr)}}
@media (max-width:560px){.ins-grid{grid-template-columns:repeat(3,1fr);gap:16px}.ins-grid li{height:48px}.ins-grid img{max-height:42px}.insurers h2{font-size:1.05rem}}

/* service tiles with two actions (9 services → 3×3) */
.cards{grid-template-columns:repeat(3,1fr)}
.card-actions{margin-top:auto;display:flex;align-items:center;gap:16px;flex-wrap:wrap;padding-top:6px}
.card-actions .card-link{margin-top:0}
/* phone call-out */
.callout{background:var(--navy-2);color:#fff;padding:44px 0}
.callout-in{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.callout h2{color:#fff;margin-bottom:.3em}.callout p{margin:0;color:#d6e0ee}
.callout-act{display:flex;gap:12px;flex-wrap:wrap}
.btn-ghost-light{background:transparent;border:2px solid #fff}.btn-ghost-light:hover{background:#fff;color:var(--navy-2)!important}
@media (max-width:960px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:820px){.cards{grid-template-columns:1fr}}