:root{--char:#2A2622;--char-d:#1C1916;--rust:#C24B2F;--rust-d:#A23B23;--gray:#5D584F;--line:#E6E0D3;--bg:#FFFFFF;--sand:#F3F1EA;--blush:#FBEAE4;--mut:#B4AEA2;--z-nav:40;--z-drop:60;--z-sticky:50}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Libre Franklin',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--char);background:var(--bg);line-height:1.65;font-size:16px;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:'Libre Franklin',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-weight:800;letter-spacing:-.01em;line-height:1.18}
img{max-width:100%;height:auto}
a{color:var(--rust-d)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--char);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--rust-d);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:8px;border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:#8c311c}
.btn.char{background:var(--char)}
.btn.char:hover{background:#000}
.btn.ghost{background:#fff;color:var(--char);border:2px solid var(--line)}
.btn.ghost:hover{background:var(--sand)}
.btn.small{font-size:13.5px;padding:10px 18px}
.btn.block{display:flex;width:100%}
/* topbar + nav */
.topbar{background:var(--char-d);color:#D5CFC3;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px}
.topbar b{color:#F0A58F}
.siteheader{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:var(--z-nav)}
.siteheader .wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:16px}
.logolink{display:inline-flex;align-items:center;flex:0 0 auto}
.logolink img{display:block;width:223px;height:48px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button.navbtn{color:var(--char);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:inline-block;background:none;border:0;cursor:pointer;font-family:inherit}
.navlinks>li>a:hover,.navlinks>li>button.navbtn:hover{color:var(--rust-d)}
.navlinks .caret:after{content:"\25BE";margin-left:5px;font-size:11px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 34px rgba(28,25,22,.14);padding:8px;list-style:none;z-index:var(--z-drop)}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;color:var(--char);text-decoration:none;font-weight:600;font-size:14px}
.dropmenu a:hover{background:var(--sand);color:var(--rust-d)}
.dropmenu .dd-all a{color:var(--rust-d);border-top:1px solid var(--line);border-radius:0 0 8px 8px;margin-top:4px}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.nav-toggle{display:none;background:none;border:2px solid var(--line);border-radius:8px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--char)}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line)}
.mobile-menu .wrap{display:block;min-height:0;padding-top:12px;padding-bottom:16px}
.mobile-menu p.mp-h{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--gray);font-weight:700;margin:12px 0 4px}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:11px 4px;color:var(--char);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:14px;border-bottom:0}
.siteheader.nav-open .mobile-menu{display:block}
/* hero + pageheads */
.hero{background:linear-gradient(135deg,#fff 0%,var(--sand) 100%);padding:64px 0;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;position:relative;z-index:2}
.has-hero{position:relative;overflow:hidden;isolation:isolate;background:linear-gradient(135deg,#1C1916 0%,#2A2622 55%,#4a2a20 100%);color:#fff}
.has-hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(28,25,22,.9) 0%,rgba(28,25,22,.72) 60%,rgba(28,25,22,.55) 100%);z-index:-1}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--blush);color:var(--rust-d);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"\25CF";color:var(--char);font-size:10px}
.has-hero .badge{background:#fff;color:var(--rust-d)}
.badge.badge-alt{background:var(--char);color:#fff}
.badge.badge-alt:before{color:#F0A58F}
.has-hero .badge.badge-alt{background:var(--rust-d);color:#fff}
.has-hero .badge.badge-alt:before{color:#fff}
.hero h1{font-size:clamp(32px,4.2vw,44px);margin-bottom:16px}
.hero h1 span{color:var(--rust-d)}
.has-hero h1 span{color:#F0A58F}
.hero p.lead{color:var(--gray);font-size:17px;max-width:520px;margin-bottom:24px;font-weight:500}
.has-hero p.lead{color:#E9E4D9}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:16px;flex-wrap:wrap;color:var(--gray);font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--rust-d)}
.has-hero .trustrow{color:#E9E4D9}
.has-hero .trustrow li:before{color:#F0A58F}
.splitcard{border-radius:16px;overflow:hidden;border:1px solid var(--line);background:#fff}
.split-row{display:grid;grid-template-columns:1fr 1fr}
.split-col{padding:22px}
.split-col.without{background:var(--sand);color:var(--char)}
.split-col.with{background:var(--char);color:#fff}
.split-lbl{font-size:11px;text-transform:uppercase;letter-spacing:.06em;font-weight:700;margin-bottom:12px}
.split-col.without .split-lbl{color:var(--gray)}
.split-col.with .split-lbl{color:#F0A58F}
.split-col ul{list-style:none}
.split-item{font-size:13.5px;padding:6px 0;font-weight:600}
.split-col.without .split-item:before{content:"\2715\00a0";color:#B33B2A}
.split-col.with .split-item:before{content:"\2713\00a0";color:#F0A58F}
.pagehead{background:linear-gradient(135deg,var(--sand) 0%,var(--blush) 100%);padding:48px 0;position:relative;overflow:hidden}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;position:relative;z-index:2}
.crumb{color:var(--gray);font-size:13px;margin-bottom:12px;font-weight:500}
.crumb a{color:var(--rust-d);text-decoration:none}
.has-hero .crumb{color:#D5CFC3}
.has-hero .crumb a{color:#F0A58F}
.pagehead h1{font-size:clamp(29px,3.4vw,36px);margin-bottom:10px}
.pagehead p.lead{color:var(--gray);max-width:640px;font-size:16.5px;font-weight:500}
.has-hero.pagehead p.lead{color:#E9E4D9}
.chips,.zips{display:flex;gap:9px;margin-top:14px;flex-wrap:wrap;list-style:none}
.chip{background:#fff;border:1px solid var(--line);color:var(--rust-d);font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2713\00a0"}
.zip-chip{background:#fff;border:1px solid var(--line);border-radius:100px;padding:5px 12px;font-weight:700;font-size:13px;color:var(--rust-d)}
.zip-label{font-size:13px;font-weight:700;color:var(--gray);margin-top:14px}
.has-hero .zip-label{color:#D5CFC3}
.herocall{background:var(--char);color:#fff;border-radius:14px;padding:22px;text-align:center;min-width:250px;border:1px solid rgba(255,255,255,.14)}
.herocall .lbl{color:#C9C3B6;font-size:11px;text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.herocall .num{font-weight:800;font-size:22px;color:#F0A58F;margin:6px 0 12px}
.strip{background:var(--blush);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px;list-style:none}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--rust-d);font-size:18px}
.emergency{background:var(--rust-d);color:#fff;padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px}
.emergency p{font-size:14.5px;font-weight:500}
.emergency .btn{background:var(--char)}
/* sections */
.sec{padding:74px 0;background:#fff}
.sec.alt{background:var(--sand)}
.kick{color:var(--rust-d);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;display:block;margin-top:8px}
.sec h2{font-size:32px;margin:10px 0 18px}
article h2{font-size:28px;margin:10px 0 14px}
article h3{font-size:20px;margin:22px 0 8px}
article>section{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 30px;margin-bottom:22px;box-shadow:0 1px 2px rgba(42,38,34,.04)}
article>section:nth-of-type(even){background:var(--sand);border-color:transparent}
article>section>h2:first-child{margin-top:0}
.prose{max-width:880px}
.prose>section{margin-bottom:22px}
main p{font-size:16.5px;line-height:1.7}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.plain,main ol.plain{margin:14px 0 0 22px}
main ul.plain li,main ol.plain li{margin-bottom:7px;font-size:16.5px;line-height:1.65}
main .kick+h2{margin-top:10px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.cards.two{grid-template-columns:1fr 1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.card .ic{width:48px;height:48px;background:var(--blush);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--gray);font-weight:500;line-height:1.6}
.card p+p{margin-top:10px}
.card a.more{color:var(--rust-d);font-weight:700;font-size:14.5px;text-decoration:none;display:inline-block;margin-top:12px}
.card a.stretch{color:var(--char);text-decoration:none}
.card a.stretch:hover{color:var(--rust-d)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:20px}
.whycard{background:#fff;border-radius:14px;padding:22px;text-align:center;border:1px solid var(--line)}
.sec.alt .whycard{border-color:transparent}
.whycard .num{width:40px;height:40px;background:var(--char);color:#fff;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;margin:0 auto 12px;font-size:16px}
.whycard h3{font-size:16px;margin-bottom:6px}
.whycard p{font-size:14px;color:var(--gray);font-weight:500;line-height:1.55}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:24px;list-style:none}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 16px;position:relative}
.step .n{width:60px;height:60px;border-radius:14px;background:var(--rust-d);color:#fff;font-weight:800;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:16.5px;margin:0 0 6px}
.step p{font-size:14px;color:var(--gray);font-weight:500;line-height:1.55}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.compcol{border-radius:14px;padding:22px}
.compcol.bad{background:var(--sand)}
.compcol.good{background:var(--char);color:#fff}
.compcol h3{font-size:16px;margin:0 0 12px}
.compcol.good h3{color:#F0A58F}
.compcol ul{list-style:none}
.compcol li{font-size:14.5px;padding:5px 0;font-weight:500;line-height:1.5}
.compcol.bad li:before{content:"\2715\00a0";color:#B33B2A}
.compcol.good li:before{content:"\2713\00a0";color:#F0A58F}
.tablewrap{overflow-x:auto;margin:20px 0 0;border:1px solid var(--line);border-radius:14px;-webkit-overflow-scrolling:touch}
.tablewrap table{border-collapse:collapse;width:100%;min-width:560px;background:#fff}
.tablewrap caption{caption-side:top;text-align:left;font-weight:800;padding:14px 18px;background:#fff;font-size:16px;border-bottom:1px solid var(--line)}
.tablewrap th{background:var(--char);color:#fff;text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;padding:13px 18px;font-weight:700}
.tablewrap td{padding:14px 18px;font-size:14.5px;font-weight:500;border-bottom:1px solid var(--line);vertical-align:top;line-height:1.55}
.tablewrap tr:last-child td{border-bottom:0}
.tablewrap td:first-child{font-weight:800;color:var(--char)}
.tablenote{font-size:14px;color:var(--gray);margin-top:12px;font-style:italic}
.insurepanel{background:var(--char);color:#fff;border-radius:16px;padding:30px;margin-top:20px}
.insurepanel h3{font-size:22px;margin:0 0 8px}
.insurepanel p{font-size:15px;color:#D5CFC3;max-width:620px;font-weight:500}
.callout{background:var(--sand);border-left:5px solid var(--rust-d);border-radius:0 12px 12px 0;padding:20px 24px;margin:22px 0}
.callout h3{font-size:17px;margin:0 0 8px}
.callout p{font-size:15.5px}
.callout ul{margin:10px 0 0 20px}
.callout li{font-size:15.5px;margin-bottom:5px}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px;list-style:none}
.prep li{background:var(--char);color:#fff;border-radius:14px;padding:18px 20px}
.prep h3{font-size:15.5px;color:#F0A58F;margin:0 0 6px}
.prep p{font-size:14.5px;color:#EDE8DE;line-height:1.55;margin:0}
.localnote{background:#fff;border:1px solid var(--line);border-top:5px solid var(--rust-d);border-radius:14px;padding:24px;margin:26px 0}
.localnote h2{font-size:22px;margin:0 0 10px}
.localnote p{font-size:16px}
.localnote .src{font-size:13.5px;color:var(--gray);font-style:italic}
.midcta{background:var(--blush);border-radius:14px;padding:22px 24px;margin:26px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta p{margin:0;font-weight:700;font-size:16.5px;max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:20px;list-style:none}
.areas a{display:block;background:#fff;padding:13px 14px;border-radius:10px;color:var(--char);text-decoration:none;font-weight:700;font-size:14px;text-align:center;border:1px solid var(--line)}
.areas a:hover{background:#E8E1D2}
.sec.alt .areas a{border-color:transparent}
.ctaband{background:var(--char-d);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px}
.ctaband p{font-size:16.5px;color:#D5CFC3;margin:0 auto 22px;font-weight:500;max-width:640px}
.twocol{display:grid;grid-template-columns:1fr 310px;gap:40px;align-items:start}
.sidecard{background:var(--sand);border-radius:14px;padding:24px;position:sticky;top:24px;align-self:start}
.sidecard .kick{margin:0 0 6px}
.sidecard h3{font-size:19px;margin-bottom:6px}
.sidecard p{color:var(--gray);font-size:14.5px;margin-bottom:12px;font-weight:500;line-height:1.55}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid var(--line);padding-top:10px}
.sidecard li{font-size:14px;padding:4px 0;font-weight:600}
.sidecard li:before{content:"\2713\00a0";color:var(--rust-d)}
.sidecard .sidelink{display:block;margin-top:12px;font-size:14px;font-weight:700;color:var(--rust-d)}
.faq{margin-top:12px}
article>section.faq{background:#fff;border:1px solid var(--line)}
.faq div.qa{border-bottom:1px solid var(--line);padding:16px 0}
.faq h3{font-size:17px;margin:0 0 6px}
.faq p{font-size:16px;color:var(--char)}
.mapsec{background:var(--sand);padding:50px 0}
.mapsec h2{font-size:26px;margin-bottom:8px}
.mapsec p{color:var(--gray);margin-bottom:16px;font-weight:500}
.mapframe{width:100%;height:360px;border:0;border-radius:14px;display:block;background:var(--line)}
.mapsec.loc{background:#fff;padding:0 0 10px}
.mapsec.loc .mapframe{height:300px}
/* blog */
.postmeta{font-size:13.5px;color:var(--gray);margin-bottom:14px;font-weight:600}
.has-hero .postmeta{color:#D5CFC3}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px;list-style:none}
.postcard{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.postcard .thumb{height:130px;background:linear-gradient(135deg,#1C1916 0%,#2A2622 55%,#4a2a20 100%);position:relative}
.postcard .thumb img{width:100%;height:100%;object-fit:cover;display:block}
.postcard .pc-body{padding:18px 20px 22px}
.postcard .cat{font-size:11.5px;text-transform:uppercase;letter-spacing:.07em;font-weight:700;color:var(--rust-d)}
.postcard h2,.postcard h3{font-size:18px;margin:6px 0 8px;line-height:1.25}
.postcard h2 a,.postcard h3 a{color:var(--char);text-decoration:none}
.postcard h2 a:hover,.postcard h3 a:hover{color:var(--rust-d)}
.postcard p{font-size:14.5px;color:var(--gray);font-weight:500}
/* footer */
.sitefooter{background:#fff;border-top:1px solid var(--line);padding:46px 0 36px;font-size:14.5px}
.sitefooter .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.sitefooter p.fh{color:var(--char);font-size:16px;margin-bottom:12px;font-weight:800}
.sitefooter a{color:var(--gray);text-decoration:none;display:block;margin-bottom:7px;font-weight:600}
.sitefooter a:hover{color:var(--rust-d)}
.sitefooter .footlogo{display:inline-block;margin-bottom:12px}
.sitefooter .footlogo img{display:block;width:223px;height:48px}
.sitefooter address{font-style:normal;color:var(--gray);line-height:1.7;font-weight:500}
.sitefooter .footnote{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px;color:var(--gray);font-size:13.5px}
.sitefooter ul{list-style:none}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--rust-d);z-index:var(--z-sticky);padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:24px;bottom:24px;width:56px;height:56px;border-radius:50%;background:var(--rust-d);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.28);z-index:var(--z-sticky);transition:opacity .2s}
.floatcall.hide{opacity:0;pointer-events:none}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:40px;margin-bottom:12px}
.notfound p{max-width:560px;margin:0 auto 22px;color:var(--gray);font-weight:500}
.legal h2{font-size:22px;margin:28px 0 8px}
.legal{max-width:820px}
.linklist{list-style:none;margin-top:16px}
.linklist li{padding:10px 0;border-bottom:1px solid var(--line);font-size:16px}
@media(max-width:900px){
.navlinks,.siteheader .btn.navcall{display:none}
.nav-toggle{display:flex}
.hero .wrap,.twocol,.insurepanel,.split-row,.compare,.prep{grid-template-columns:1fr}
.cards,.why,.bloggrid{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:24px}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.sitefooter .wrap{grid-template-columns:1fr 1fr}
.pagehead .wrap{grid-template-columns:1fr}
.sidecard{position:static}
.sticky-cta{display:block}
body{padding-bottom:62px}
.floatcall{display:none}
.topbar .wrap{justify-content:center}
.topbar .tb-left{display:none}
}
@media(max-width:560px){
.cards,.cards.two,.why,.bloggrid,.steps,.areas{grid-template-columns:1fr}
.sitefooter .wrap{grid-template-columns:1fr}
.sec{padding:52px 0}
.sec h2,article h2{font-size:26px}
.ctaband h2{font-size:29px}
.wrap{padding:0 18px}
.logolink img,.sitefooter .footlogo img{width:200px;height:43px}
.herocall{min-width:0}
}
.twocol>*,article,.prose{min-width:0}