:root{--pine:#153027;--pine2:#1F4235;--amber:#E0A030;--amber2:#C0851C;--ink:#1B2420;--muted:#4F5B53;--line:#DCE8DE;--tint:#F1F6F2;--white:#fff;--soft:#B9CCC1;--radius:14px;--shadow:0 10px 28px rgba(21,48,39,.10);--head:'Fraunces',Georgia,'Times New Roman',serif;--body:'Karla',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;--wrap:1180px;--trans:.2s ease}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:96px;-webkit-text-size-adjust:100%}
body{font-family:var(--body);font-size:17px;line-height:1.7;color:var(--ink);background:#fff}
img,svg{max-width:100%;display:block}
img{height:auto}
h1,h2,h3,h4{font-family:var(--head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
h1{font-size:clamp(1.85rem,4.4vw,2.85rem)}
h2{font-size:clamp(1.45rem,3vw,2.1rem)}
h3{font-size:clamp(1.1rem,2vw,1.3rem)}
a{color:var(--pine2)}
a:hover{color:var(--amber2)}
ul,ol{list-style:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:860px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--pine);padding:10px 16px;z-index:10000;font-weight:700}
.skip:focus{left:8px;top:8px}
.ico{width:1.1em;height:1.1em;display:inline-block;vertical-align:-.15em;fill:currentColor;flex:none}

/* topbar + nav */
.topbar{background:var(--pine);color:var(--soft);font-size:14px;padding:9px 0}
.topbar-in{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar b{color:var(--amber)}
.topbar-areas{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.site-header{position:sticky;top:0;z-index:200;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.logo{display:block;flex:0 1 auto;min-width:0}
.logo img{height:46px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:22px;margin:0;padding:0}
.nav-links>li>a{color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;padding:8px 0;display:inline-block}
.nav-links>li>a:hover,.nav-links>li>a:focus{color:var(--pine2)}
.has-dd{position:relative}
.dd-arrow{font-size:11px;margin-left:3px}
.dropmenu{position:absolute;top:100%;left:-14px;min-width:260px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:300}
.has-dd:hover .dropmenu,.has-dd:focus-within .dropmenu{opacity:1;visibility:visible;transform:translateY(0)}
.dropmenu a{display:block;padding:9px 18px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;white-space:nowrap}
.dropmenu a:hover,.dropmenu a:focus{background:var(--tint);color:var(--pine2)}
.dropmenu .dd-sep{border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--pine);font-weight:700;font-size:16px;line-height:1.2;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(224,160,48,.30);border:0;cursor:pointer;transition:background var(--trans)}
.btn:hover,.btn:focus{background:var(--amber2);color:var(--pine)}
.btn.alt{background:var(--pine2);color:#fff;box-shadow:0 10px 22px rgba(31,66,53,.26)}
.btn.alt:hover{background:var(--pine);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--pine2);color:var(--pine2)}
.btn.sm{font-size:14px;padding:10px 18px}
.btn.onpine{background:var(--amber);color:var(--pine)}
.btn.ghost-dark{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn.ghost-dark:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:46px;min-height:46px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--pine);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(340px,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:20px 22px 40px;visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.mob-drawer[hidden]{display:block}
.drawer-close{position:absolute;top:10px;right:10px;width:46px;height:46px;background:none;border:0;font-size:24px;cursor:pointer;color:var(--pine)}
.mob-drawer ul{margin:44px 0 0}
.mob-drawer li a{display:block;padding:13px 0;font-size:17px;font-weight:700;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mob-drawer li.drawer-label{padding:18px 0 4px;font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.mob-drawer li.sub a{padding-left:14px;font-weight:600;font-size:16px}
.mob-overlay{position:fixed;inset:0;background:rgba(21,48,39,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}

/* page head */
.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,#153027 0%,#1F4235 62%,#2a5644 100%);color:#fff;padding:44px 0 50px;overflow:hidden}
.pagehead:after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(224,160,48,.20),rgba(224,160,48,0) 70%);z-index:-1}
.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(95deg,rgba(21,48,39,.90) 0%,rgba(21,48,39,.72) 55%,rgba(21,48,39,.42) 100%);z-index:-1}
.pagehead h1{color:#fff;max-width:880px;margin:14px 0 14px}
.pagehead .lede{color:#E4EEE7;font-size:18px;max-width:720px;margin-bottom:22px}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;font-size:13.5px}
.crumbs li:not(:last-child):after{content:"/";margin-left:6px;color:var(--soft)}
.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.crumbs li[aria-current]{color:var(--soft)}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--tint);color:var(--pine);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge-alt{background:var(--amber);color:var(--pine)}
.badge-alt:before{background:var(--pine)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 22px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.zips-label{align-self:center;color:var(--soft);font-size:13.5px;font-weight:700;margin-right:4px}

/* home hero */
.hero{position:relative;isolation:isolate;background:#fff;padding:60px 0 64px;overflow:hidden}
.hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(95deg,rgba(21,48,39,.90) 0%,rgba(21,48,39,.74) 55%,rgba(21,48,39,.45) 100%);z-index:-1}
.hero.has-hero h1,.hero.has-hero .lede,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:var(--amber)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{margin:16px 0 16px}
.hero h1 span{color:var(--pine2)}
.hero .lede{color:var(--muted);font-size:18px;max-width:520px;margin-bottom:24px}
.trustrow{display:flex;gap:8px 20px;flex-wrap:wrap;color:var(--muted);font-size:14px;font-weight:700;margin-top:22px}
.trustrow span:before{content:"\2713\00a0";color:var(--pine2)}
.hero.has-hero .trustrow span:before{color:var(--amber)}
.statpanel{background:var(--pine);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;font-family:var(--body);font-weight:700;opacity:.75;margin-bottom:14px;color:#fff;letter-spacing:.02em}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--amber);font-family:var(--head);font-size:17px;text-align:right}

/* strip + emergency */
.strip{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip-in{display:flex;justify-content:space-between;gap:10px 24px;padding:16px 24px;flex-wrap:wrap}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{font-size:18px}
.emergency{background:var(--amber);color:var(--pine);padding:22px 0}
.emergency-in{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px;color:var(--pine)}
.emergency p{font-size:15px;color:var(--pine)}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec.alt{background:var(--tint)}
.kick{color:var(--pine);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec-head{margin-bottom:30px}
.sec-head h2{margin-top:8px}
.sec-head p{max-width:760px;color:var(--muted);margin-top:12px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main p a,main li a,.faq-a a{font-weight:700;text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:3px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.sidecard{position:sticky;top:104px;align-self:start;background:var(--pine);color:#fff;border-radius:16px;padding:26px}
.side-kicker{display:inline-block;background:var(--amber);color:var(--pine);font-weight:700;font-size:12.5px;letter-spacing:.04em;padding:5px 12px;border-radius:100px;margin-bottom:14px}
.sidecard h3{color:#fff;font-size:20px;margin-bottom:8px}
.sidecard p{color:var(--soft);font-size:15px;margin-bottom:16px}
.sidecard .btn{width:100%;margin-bottom:16px}
.side-list{margin:0 0 14px}
.side-list li{font-size:14.5px;padding:7px 0 7px 26px;position:relative;border-top:1px solid rgba(255,255,255,.14)}
.side-list li:before{content:"\2713";position:absolute;left:0;color:var(--amber);font-weight:700}
.side-link{color:#fff;font-weight:700;font-size:14.5px}
.side-link:hover{color:var(--amber)}
.twocol>article{min-width:0}
.blk{margin-bottom:46px}
.blk>h2{margin-bottom:6px}
.blk h3{margin-top:22px}
.prose-list{margin:14px 0 0 0}
.prose-list li{position:relative;padding:5px 0 5px 24px}
.prose-list li:before{content:"";position:absolute;left:4px;top:15px;width:8px;height:8px;border-radius:50%;background:var(--amber)}
.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.cardgrid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.sec.alt .card{background:#fff}
.card .ic{width:50px;height:50px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted)}
.card p+p{margin-top:10px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--tint);border-radius:var(--radius);padding:24px;text-align:center}
.sec.alt .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--pine2);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.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:50%;background:var(--amber);color:var(--pine);font-family:var(--head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.stepcol{counter-reset:s;margin-top:20px}
.stepcol li{position:relative;padding:0 0 22px 64px}
.stepcol li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--amber);color:var(--pine);font-family:var(--head);font-weight:700;display:flex;align-items:center;justify-content:center}
.stepcol li:after{content:"";position:absolute;left:21px;top:46px;bottom:4px;width:2px;background:var(--line)}
.stepcol li:last-child:after{display:none}
.stepcol h3{margin:0 0 4px;font-size:18px}
.table-wrap{overflow-x:auto;margin-top:20px;border:1px solid var(--line);border-radius:var(--radius)}
.ptable{width:100%;border-collapse:collapse;min-width:520px;font-size:15px}
.ptable th{background:var(--pine);color:#fff;text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;padding:14px 18px}
.ptable td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
.ptable td:first-child{font-weight:700;color:var(--pine2)}
.ptable tbody tr:nth-child(even){background:var(--tint)}
.tablenote{font-size:14px;color:var(--muted);margin-top:12px;font-style:italic}
.insight{background:var(--tint);border:1px solid var(--line);border-left:5px solid var(--pine2);border-radius:var(--radius);padding:26px 28px}
.insight h3{margin:0 0 8px}
.checkcard{background:#fff;border:1px solid var(--line);border-left:6px solid var(--amber);border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow)}
.checkcard h3{margin:0 0 6px}
.icon-list{display:grid;gap:12px;margin-top:14px}
.icon-list li{display:flex;gap:12px;align-items:flex-start}
.icon-list .ck{flex:none;width:26px;height:26px;border-radius:50%;background:var(--pine2);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;margin-top:1px}
.localnote{background:#fff;border:1px solid var(--line);border-top:5px solid var(--pine2);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.localnote h2{margin-bottom:6px}
.prepgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px}
.prepcard{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;position:relative}
.prepcard .pn{display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--amber);color:var(--pine);font-weight:700;align-items:center;justify-content:center;margin-bottom:8px;font-family:var(--head)}
.prepcard h3{margin:0 0 6px;font-size:17px}
.prepcard p{font-size:15px;color:var(--muted)}
.midcta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--pine);color:#fff;border-radius:16px;padding:26px 30px;margin-bottom:46px}
.midcta h3{color:#fff;margin:0 0 4px}
.midcta p{color:var(--soft);font-size:15px;margin:0}
.insurepanel{background:var(--pine);color:#fff;border-radius:16px;padding:32px}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:var(--amber)}
.insurepanel p{font-size:15.5px;color:var(--soft);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.areacard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.areacard h3{font-size:18px;margin-bottom:6px}
.areacard p{font-size:15px;color:var(--muted)}
.areacard .zl{display:block;margin-top:10px;font-size:13.5px;font-weight:700;color:var(--pine2)}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.chip{background:var(--tint);padding:9px 16px;border-radius:10px;font-weight:700;font-size:14px;color:var(--ink)}
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.postcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.postcard .thumb{height:140px;background:linear-gradient(135deg,var(--pine),var(--pine2));position:relative;overflow:hidden}
.postcard .thumb img{width:100%;height:100%;object-fit:cover}
.postcard .thumb.t1{background:linear-gradient(135deg,#153027,#2f5f4a)}
.postcard .thumb.t2{background:linear-gradient(135deg,#1F4235,#3a6b55)}
.postcard .thumb.t3{background:linear-gradient(135deg,#2a5644,#153027)}
.postcard .thumb.t4{background:linear-gradient(135deg,#7a5410,#E0A030)}
.postcard .thumb span{position:absolute;left:14px;bottom:12px;background:var(--amber);color:var(--pine);font-weight:700;font-size:12px;padding:4px 10px;border-radius:100px}
.postbody{padding:20px 22px 24px}
.postbody h2,.postbody h3{font-size:18px;margin-bottom:8px}
.postbody h2 a,.postbody h3 a{color:var(--ink);text-decoration:none}
.postbody h2 a:hover,.postbody h3 a:hover{color:var(--pine2)}
.postbody p{font-size:15px;color:var(--muted)}
.postmeta{font-size:13px;color:var(--muted);margin-top:10px;font-weight:700}
.byline-line{font-size:15px;font-weight:700;color:var(--soft);margin:-8px 0 16px}
.byline{font-size:14px;color:var(--muted);font-weight:700;margin-top:6px}

/* faq */
.faq{margin-top:18px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-h{font-size:17px;font-family:var(--body);margin:0}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;font:inherit;font-weight:700;color:var(--ink);padding:16px 52px 16px 18px;position:relative;line-height:1.4}
.faq-q:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--pine2);line-height:1}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:1400px}
.faq-a-in{padding:0 18px 18px}
.faq-a-in p{color:var(--muted);font-size:16px}
.faqclose{margin-top:18px;font-weight:700}

/* cta band + map + footer */
.ctaband{background:var(--pine);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{color:#fff;font-size:clamp(1.6rem,3.6vw,2.4rem);margin-bottom:8px}
.ctaband p{font-size:17px;color:var(--soft);margin:0 auto 24px;max-width:640px}
.mapband{background:var(--tint);padding:56px 0;border-top:1px solid var(--line)}
.mapband h2{margin-bottom:8px}
.mapband p{color:var(--muted);max-width:760px;margin-bottom:20px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#e8efe9}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap.tall{padding-bottom:56%}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 34px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.foot-h{font-family:var(--head);font-weight:700;font-size:16px;margin-bottom:12px;color:var(--ink)}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--pine2)}
.site-footer .flogo img{height:44px;width:auto;margin-bottom:12px}
.site-footer address{font-style:normal;color:var(--muted)}
.site-footer address+address{margin-top:8px}
.foot-bottom{margin-top:30px;padding-top:20px;border-top:1px solid var(--line);color:var(--muted);font-size:14px}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--pine);z-index:150;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:16px;text-decoration:none}
.fab{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--pine);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(21,48,39,.35);z-index:140;text-decoration:none}
.fab:hover{background:var(--amber2);color:var(--pine)}
.fab .ico{width:26px;height:26px}
.notfound{text-align:center;padding:90px 0}
.notfound h1{margin-bottom:12px}
.contactgrid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0}
.contactcard{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.contactcard h3{margin:0 0 8px;font-size:18px}
.contactcard address{font-style:normal}
main p,main li,main td,main address{overflow-wrap:break-word}
.contactcard,.site-footer,.contactcard a,.site-footer a,address{overflow-wrap:anywhere;min-width:0}
.contactgrid>*,.foot-grid>*{min-width:0}

@media(max-width:1100px){.nav-links{gap:16px}.nav-links>li>a{font-size:14.5px}}
@media(max-width:900px){
.twocol{grid-template-columns:minmax(0,1fr)}
.sidecard{position:static;margin-top:10px}
.cardgrid,.postgrid,.areas{grid-template-columns:repeat(2,minmax(0,1fr))}
.why{grid-template-columns:repeat(2,minmax(0,1fr))}
.steps{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:30px}
.steps:before{display:none}
.hero-grid{grid-template-columns:minmax(0,1fr)}
.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.contactgrid{grid-template-columns:minmax(0,1fr)}
.map-wrap{padding-bottom:60%}
}
@media(max-width:768px){
.nav-links{display:none}
.hamburger{display:flex}
.sticky-cta{display:block}
.fab{display:none}
body{padding-bottom:64px}
.topbar-areas{display:none}
.topbar-in{justify-content:center}
.logo img{height:38px}
.nav-in{min-height:64px}
.sec{padding:52px 0}
.pagehead{padding:34px 0 38px}
.hero{padding:40px 0 44px}
}
@media(max-width:600px){
.cardgrid,.cardgrid.two,.postgrid,.areas,.why,.steps,.prepgrid,.foot-grid{grid-template-columns:minmax(0,1fr)}
.wrap{padding:0 18px}
.strip-in{flex-direction:column;padding:16px 18px}
.midcta{padding:22px}
.insurepanel{padding:24px}
.checkcard,.insight,.localnote{padding:22px 20px}
.btn{width:100%}
.cta-row .btn{width:100%}
.btn.sm{width:auto}
}
@media(max-width:380px){.logo img{height:32px}}