:root{--ink:#102b3a;--ink-deep:#09202c;--teal:#0f6f78;--teal-bright:#1c8990;--mist:#e8f2f0;--paper:#f1f3f3;--sand:#f1eadf;--amber:#d8902f;--amber-soft:#fbefd9;--line:#d8e0df;--muted:#5b6d73;--white:#fff;--header-black:#070808;--header-black-deep:#000;--shadow:0 24px 70px #09202c1f;--radius-lg:28px;--radius-md:18px;--radius-sm:10px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);text-rendering:optimizelegibility;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6}img{max-width:100%;height:auto}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}button{cursor:pointer}:focus-visible{outline:3px solid var(--amber);outline-offset:4px}.skip-link{z-index:100;background:var(--white);color:var(--ink-deep);border-radius:8px;padding:.75rem 1rem;font-weight:800;position:fixed;top:1rem;left:1rem;transform:translateY(-200%)}.skip-link:focus{transform:translateY(0)}.shell{width:min(1180px,100% - 40px);margin-inline:auto}.section{padding-block:clamp(4.5rem,8vw,7.5rem)}.preview-banner{background:var(--amber-soft);color:#61420d;border-bottom:1px solid #ead6b8}.preview-banner-inner{letter-spacing:.02em;text-align:center;justify-content:center;align-items:center;gap:.75rem;min-height:38px;font-size:.78rem;display:flex}.preview-banner-inner strong{text-transform:uppercase;letter-spacing:.11em;font-size:.69rem}.site-header{z-index:20;background:var(--header-black);color:var(--white);position:relative;box-shadow:0 12px 28px #09202c24}.header-main{justify-content:space-between;align-items:center;gap:2rem;min-height:108px;display:flex}.brand{align-items:center;gap:1rem;display:inline-flex}.brand-mark{width:250px;display:inline-flex}.brand-mark img{filter:grayscale()brightness(.8)contrast(500%);mix-blend-mode:screen;width:100%}.brand-subtitle{color:#eef1f2;letter-spacing:.1em;text-transform:uppercase;white-space:nowrap;border-left:1px solid #ffffff40;padding-left:1rem;font-size:.76rem}.desktop-nav{background:var(--header-black-deep);border-top:1px solid #ffffff24}.nav-row{justify-content:space-between;align-items:stretch;gap:.25rem;min-height:54px;display:flex}.nav-row a{color:#f0f3f3;letter-spacing:.025em;border-bottom:3px solid #0000;align-items:center;padding:.6rem .75rem;font-size:.94rem;font-weight:850;transition:color .16s,border-color .16s;display:inline-flex}.nav-row a:hover,.nav-row a[aria-current=page]{color:var(--white);border-bottom-color:var(--amber)}.mobile-nav{display:none}.button{border:1px solid #0000;border-radius:9px;justify-content:center;align-items:center;min-height:48px;padding:.8rem 1.25rem;font-size:.92rem;font-weight:800;line-height:1.2;transition:transform .16s,box-shadow .16s,background .16s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--teal);color:var(--white);box-shadow:0 13px 28px #0f6f7833}.button-primary:hover{background:#0b5c64;box-shadow:0 15px 34px #0f6f7845}.button-secondary{color:var(--ink);background:0 0;border-color:#9bb8ba}.button-secondary:hover{background:var(--white)}.button-header{min-height:44px;color:var(--white);border-color:#ffffff59}.button-header:hover{border-color:var(--teal-bright);background:#ffffff12}.button-light{background:var(--white);color:var(--ink-deep)}.hero{grid-template-columns:minmax(0,1.04fr) minmax(360px,.96fr);align-items:center;gap:clamp(3rem,7vw,7rem);min-height:650px;padding-block:clamp(4rem,8vw,7rem);display:grid}.eyebrow{color:var(--teal);letter-spacing:.15em;text-transform:uppercase;margin:0 0 1rem;font-size:.73rem;font-weight:850;line-height:1.2}.eyebrow-light{color:#9fd0d1}.hero h1,.page-hero h1{letter-spacing:-.052em;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(3.4rem,7.2vw,6.5rem);font-weight:500;line-height:.96}.hero-lead{max-width:650px;color:var(--muted);margin:2rem 0 0;font-size:clamp(1.08rem,1.7vw,1.3rem);line-height:1.65}.button-row{flex-wrap:wrap;gap:.8rem;margin-top:2rem;display:flex}.microcopy{color:var(--muted);margin:1rem 0 0;font-size:.82rem}.hero-service-panel{border-radius:var(--radius-lg);min-height:500px;box-shadow:var(--shadow);color:var(--white);background:radial-gradient(circle at 85% 12%,#d8902f47,#0000 21%),linear-gradient(145deg,#183d42 0%,#0b2529 42%,#070a0b 100%);flex-direction:column;display:flex;position:relative;overflow:hidden}.hero-service-panel:before{content:"";opacity:.18;background-image:linear-gradient(#ffffff38 1px,#0000 1px),linear-gradient(90deg,#ffffff38 1px,#0000 1px);background-size:42px 42px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(to bottom right,#000,#0000 75%);mask-image:linear-gradient(to bottom right,#000,#0000 75%)}.hero-service-panel:after{content:"";border:1px solid #fff3;border-radius:50%;width:260px;height:260px;position:absolute;top:76px;right:-95px}.service-panel-topline,.service-panel-intro,.service-panel-list{z-index:1;position:relative}.service-panel-topline{color:#c1d5d6;letter-spacing:.13em;text-transform:uppercase;border-bottom:1px solid #ffffff24;justify-content:space-between;gap:1rem;padding:1.25rem 1.5rem;font-size:.66rem;font-weight:850;display:flex}.service-panel-intro{padding:clamp(2rem,5vw,3.25rem) clamp(1.5rem,4vw,2.5rem)}.service-panel-intro p{color:var(--amber);letter-spacing:.14em;text-transform:uppercase;margin:0 0 .8rem;font-size:.7rem;font-weight:900}.service-panel-intro h2{letter-spacing:-.035em;max-width:430px;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.1rem,4vw,3.2rem);font-weight:500;line-height:1.02}.service-panel-intro>span{color:#b7c9cb;max-width:430px;margin-top:1rem;font-size:.88rem;display:block}.service-panel-list{border-top:1px solid #ffffff24;grid-template-columns:1fr 1fr;margin-top:auto;display:grid}.service-panel-list a{border-bottom:1px solid #ffffff1f;border-right:1px solid #ffffff1f;grid-template-columns:30px 1fr;column-gap:.6rem;min-height:92px;padding:1rem 1.2rem;transition:background .16s;display:grid}.service-panel-list a:nth-child(2n){border-right:0}.service-panel-list a:nth-last-child(-n+2){border-bottom:0}.service-panel-list a:hover{background:#ffffff12}.service-panel-list a>span{color:var(--amber);letter-spacing:.1em;grid-row:1/3;font-size:.67rem;font-weight:900}.service-panel-list strong{align-self:end;font-size:.9rem;line-height:1.2}.service-panel-list small{color:#9eb4b7;font-size:.68rem}.status-strip{border-block:1px solid var(--line);background:var(--white)}.status-grid{grid-template-columns:repeat(3,1fr);align-items:center;min-height:112px;display:grid}.status-grid div{border-right:1px solid var(--line);padding:1rem 2rem}.status-grid div:first-child{padding-left:0}.status-grid div:last-child{border-right:0}.status-grid span{color:var(--muted);letter-spacing:.1em;text-transform:uppercase;font-size:.72rem;font-weight:750;display:block}.status-grid strong{margin-top:.2rem;font-size:1.03rem;display:block}.local-service-band{border-bottom:1px solid var(--line);background:#e4e8e8;padding-block:clamp(3rem,6vw,5.5rem)}.local-service-grid{grid-template-columns:1fr 1fr;align-items:start;gap:clamp(2.5rem,8vw,7rem);display:grid}.local-service-grid h2{letter-spacing:-.035em;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.2rem,4.4vw,4rem);font-weight:500;line-height:1.05}.local-service-grid>div:last-child>p{color:var(--muted);margin:0;font-size:1.04rem}.section-heading{grid-template-columns:1.15fr .85fr;align-items:end;gap:4rem;margin-bottom:3rem;display:grid}.section-heading h2,.split-layout h2,.review-panel h2,.compact-cta h2,.checklist-layout h2{letter-spacing:-.035em;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.3rem,4.5vw,4.2rem);font-weight:500;line-height:1.05}.section-heading>p{color:var(--muted);margin:0;font-size:1.02rem}.service-grid{grid-template-columns:repeat(6,1fr);gap:1.15rem;display:grid}.service-card{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--white);flex-direction:column;grid-column:span 2;min-height:335px;padding:1.65rem;display:flex;box-shadow:0 8px 24px #09202c0b}.service-card:nth-last-child(-n+2){grid-column:span 3}.service-number{color:var(--amber);letter-spacing:.12em;font-size:.7rem;font-weight:850}.service-card h3{margin:3rem 0 .8rem;font-family:Georgia,Times New Roman,serif;font-size:1.7rem;font-weight:500;line-height:1.1}.service-card p{color:var(--muted);margin:0}.review-chip{background:var(--amber-soft);color:#745116;letter-spacing:.025em;border-radius:999px;width:fit-content;margin-top:1rem;padding:.35rem .55rem;font-size:.68rem;font-weight:800;display:inline-block}.text-link{color:var(--teal);margin-top:auto;padding-top:1.5rem;font-weight:850}.text-link span{margin-left:.25rem;transition:transform .15s;display:inline-block}.text-link:hover span{transform:translate(4px)}.section-tint{background:var(--mist)}.split-layout{grid-template-columns:1fr .9fr;align-items:start;gap:clamp(3rem,8vw,8rem);display:grid}.prose-stack{color:#3e555e;font-size:1.08rem}.prose-stack>p{margin-top:0}.check-list{margin:2rem 0 0;padding:0;list-style:none}.check-list li{border-bottom:1px solid #c6dcd9;padding:.9rem 0 .9rem 2.1rem;position:relative}.check-list li:before{content:"✓";color:var(--teal);font-weight:900;position:absolute;left:0}.review-panel{border-radius:var(--radius-lg);background:var(--ink-deep);color:var(--white);grid-template-columns:1.2fr .8fr;align-items:center;gap:clamp(3rem,7vw,7rem);padding:clamp(2.5rem,6vw,5rem);display:grid}.review-panel p:not(.eyebrow){color:#bdd0d3;margin:0 0 1.5rem}.page-hero{border-bottom:1px solid var(--line);background:linear-gradient(135deg,#eef5f2 0%,#f8f5ef 70%,#f4e7d4 100%);padding-block:clamp(4rem,8vw,7rem)}.page-hero-grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:clamp(3rem,8vw,8rem);display:grid}.page-hero h1{font-size:clamp(3.1rem,6.2vw,5.6rem)}.page-hero p:not(.eyebrow){max-width:670px;color:var(--muted);margin:1.6rem 0 2rem;font-size:1.12rem}.page-hero-compact{padding-block:clamp(3.5rem,6vw,5.5rem)}.narrow-copy{max-width:900px}.media-placeholder{border-radius:var(--radius-lg);min-height:390px;color:var(--white);box-shadow:var(--shadow);background:linear-gradient(#0000 35%,#081f2adb 100%),repeating-linear-gradient(135deg,#1d7077 0 2px,#155561 2px 32px);border:1px solid #ffffff2e;flex-direction:column;justify-content:flex-end;padding:2rem;display:flex;overflow:hidden}.media-placeholder span{letter-spacing:.14em;text-transform:uppercase;color:#b6dbdc;font-size:.68rem;font-weight:850}.media-placeholder strong{margin-top:.45rem;font-family:Georgia,Times New Roman,serif;font-size:1.35rem;font-weight:500}.service-media{border-radius:var(--radius-lg);background:var(--header-black);min-height:390px;box-shadow:var(--shadow);margin:0;position:relative;overflow:hidden}.service-media:after{content:"";background:linear-gradient(#0000 48%,#000000d1 100%);position:absolute;inset:0}.service-media img{object-fit:cover;width:100%;height:100%;position:absolute;inset:0}.service-media figcaption{z-index:1;color:var(--white);flex-direction:column;gap:.3rem;display:flex;position:absolute;bottom:1.4rem;left:1.5rem;right:1.5rem}.service-media figcaption span{color:#d6e0e1;letter-spacing:.13em;text-transform:uppercase;font-size:.66rem;font-weight:850}.service-media figcaption strong{font-family:Georgia,Times New Roman,serif;font-size:1.3rem;font-weight:500}.insurer-directory{padding-bottom:clamp(2.5rem,5vw,4.5rem)}.insurer-directory+.detail-grid{padding-top:0}.insurer-directory-heading{grid-template-columns:.9fr 1.1fr;align-items:end;gap:clamp(2rem,7vw,6rem);margin-bottom:2.2rem;display:grid}.insurer-directory-heading h2{letter-spacing:-.035em;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.3rem,4.5vw,4.2rem);font-weight:500;line-height:1.05}.insurer-directory-heading>p{color:var(--muted);margin:0;font-size:1.05rem}.insurer-brand-grid{grid-template-columns:repeat(4,1fr);gap:.75rem;display:grid}.insurer-brand-grid span{border:1px solid var(--line);background:var(--white);min-height:68px;color:var(--ink);text-align:center;border-radius:12px;justify-content:center;align-items:center;padding:.9rem;font-weight:850;display:flex}.directory-note{border-left:4px solid var(--teal);background:var(--mist);color:var(--muted);margin:1.25rem 0 0;padding:1rem 1.1rem;font-size:.86rem}.owner-alert{background:var(--amber-soft);border:1px solid #dfc38e;border-radius:12px;grid-template-columns:220px 1fr;align-items:center;gap:2rem;margin-top:2.2rem;padding:1.15rem 1.35rem;display:grid}.owner-alert span{color:#6f4c10;letter-spacing:.1em;text-transform:uppercase;font-size:.72rem;font-weight:900}.owner-alert p{color:#664c1c;margin:0}.detail-grid{grid-template-columns:minmax(0,1fr) 340px;align-items:start;gap:clamp(3rem,7vw,6rem);display:grid}.article-stack{border-top:1px solid var(--line)}.detail-section{border-bottom:1px solid var(--line);grid-template-columns:60px 1fr;gap:1.5rem;padding-block:2.4rem;display:grid}.detail-section>span{color:var(--amber);letter-spacing:.12em;font-size:.72rem;font-weight:900}.detail-section h2{margin:0 0 .75rem;font-family:Georgia,Times New Roman,serif;font-size:2rem;font-weight:500;line-height:1.15}.detail-section p{color:var(--muted);margin:0;font-size:1.03rem}.sidebar-card{border-radius:var(--radius-md);background:var(--ink-deep);color:var(--white);box-shadow:var(--shadow);padding:2rem;position:sticky;top:2rem}.sidebar-card h2{margin:0 0 1.5rem;font-family:Georgia,Times New Roman,serif;font-size:2rem;font-weight:500}.sidebar-card ul{margin:0;padding:0;list-style:none}.sidebar-card li{color:#d1e0e2;border-bottom:1px solid #ffffff21;padding:.7rem 0}.sidebar-note{color:#9fb8bd;margin:1.5rem 0 0;font-size:.82rem}.compact-cta{justify-content:space-between;align-items:center;gap:3rem;display:flex}.compact-cta h2{max-width:760px;font-size:clamp(2rem,4vw,3.4rem)}.form-layout{grid-template-columns:minmax(0,1fr) 340px;align-items:start;gap:clamp(3rem,7vw,6rem);display:grid}.quote-form{border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--white);padding:clamp(1.4rem,4vw,2.6rem);box-shadow:0 16px 50px #09202c12}.form-warning{border-left:4px solid var(--amber);background:var(--amber-soft);color:#674812;flex-direction:column;gap:.25rem;margin-bottom:2rem;padding:1rem 1.1rem;display:flex}.form-warning span{font-size:.87rem}.form-grid{grid-template-columns:1fr 1fr;gap:1.15rem;margin-bottom:1.5rem;display:grid}.form-grid label{flex-direction:column;gap:.45rem;font-size:.92rem;font-weight:800;display:flex}.form-grid label>span{color:var(--muted);letter-spacing:.08em;text-transform:uppercase;font-size:.65rem;font-weight:750}.form-grid input,.form-grid textarea{width:100%;color:var(--ink);background:#fcfdfc;border:1px solid #b9c8c8;border-radius:8px;padding:.85rem .9rem}.form-grid input{min-height:48px}.form-grid textarea{resize:vertical}.form-grid input:focus,.form-grid textarea:focus{border-color:var(--teal);outline:3px solid #1c899029}.form-full{grid-column:1/-1}.upload-placeholder{background:var(--mist);border:1px dashed #9db3b2;border-radius:10px;padding:1.25rem}.upload-placeholder span{color:var(--muted);margin-top:.25rem;font-size:.87rem;display:block}.form-status{min-height:1.5rem;color:var(--teal);margin:1rem 0 0;font-weight:800}.form-sidebar{position:sticky;top:2rem}.contact-grid{grid-template-columns:repeat(2,1fr);gap:1rem;display:grid}.contact-card{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--white);min-height:210px;padding:1.7rem}.contact-card>span{color:var(--teal);letter-spacing:.12em;text-transform:uppercase;font-size:.7rem;font-weight:900}.contact-card h2{overflow-wrap:anywhere;margin:2.7rem 0 0;font-family:Georgia,Times New Roman,serif;font-size:clamp(1.55rem,3vw,2.35rem);font-weight:500;line-height:1.1}.contact-card .review-chip{font-family:inherit;font-size:.68rem;font-weight:800}.contact-card .confirmed-chip{color:#1e654f;background:#d9eee6}.checklist-layout{grid-template-columns:.78fr 1.22fr;align-items:start;gap:clamp(3rem,8vw,8rem);display:grid}.checklist-layout>div>p:last-child{color:var(--muted)}.owner-checklist{counter-reset:checklist;margin:0;padding:0;list-style:none}.owner-checklist li{counter-increment:checklist;border-bottom:1px solid #c7dcda;grid-template-columns:44px 180px 1fr;gap:1rem;padding:1.25rem 0;display:grid}.owner-checklist li:before{content:counter(checklist, decimal-leading-zero);color:var(--amber);letter-spacing:.1em;font-size:.7rem;font-weight:900}.owner-checklist span{color:var(--muted)}.site-footer{background:var(--ink-deep);color:var(--white);padding-top:4.5rem}.footer-grid{grid-template-columns:1.05fr .95fr .95fr;gap:clamp(2rem,6vw,5rem);padding-bottom:3.5rem;display:grid}.footer-grid img{filter:grayscale()brightness(.8)contrast(500%);mix-blend-mode:screen;width:230px}.footer-grid h2{color:#9fd0d1;letter-spacing:.12em;text-transform:uppercase;margin:0 0 .9rem;font-size:.72rem;font-weight:850}.footer-grid p{color:#a9bec2;margin:1rem 0 0;font-size:.9rem}.footer-address{color:#d0dcde;flex-direction:column;margin-top:1.2rem;font-size:.86rem;font-style:normal;display:flex}.footer-address span{color:#9fd0d1;letter-spacing:.12em;text-transform:uppercase;margin-bottom:.2rem;font-size:.66rem;font-weight:850}.footer-bottom{color:#78959a;border-top:1px solid #ffffff1f;justify-content:space-between;gap:2rem;padding-block:1.2rem;font-size:.75rem;display:flex}@media (max-width:980px){.desktop-nav,.button-header,.brand-subtitle{display:none}.header-main{min-height:86px}.brand-mark{width:220px}.header-main{justify-content:center}.mobile-nav{background:var(--header-black-deep);border-top:1px solid #ffffff24;display:block}.mobile-nav summary{cursor:pointer;text-transform:uppercase;letter-spacing:.1em;justify-content:space-between;align-items:center;width:min(1180px,100% - 40px);min-height:50px;margin:0 auto;font-size:.8rem;font-weight:850;list-style:none;display:flex}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{border-top:1px solid #ffffff1a;padding:.5rem 20px 1rem;display:grid}.mobile-nav nav a{color:#f0f3f3;border-bottom:1px solid #ffffff1f;padding:.8rem 0}.mobile-nav nav a[aria-current=page]{color:var(--white);font-weight:850}.hero,.page-hero-grid{grid-template-columns:1fr}.hero{min-height:auto}.hero-service-panel{min-height:500px}.service-card,.service-card:nth-last-child(-n+2){grid-column:span 3}.section-heading,.split-layout,.review-panel,.checklist-layout,.insurer-directory-heading,.local-service-grid{grid-template-columns:1fr;gap:2rem}.insurer-brand-grid{grid-template-columns:repeat(3,1fr)}.detail-grid,.form-layout{grid-template-columns:1fr}.sidebar-card,.form-sidebar{position:static}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}@media (max-width:680px){.shell{width:min(100% - 28px,1180px)}.preview-banner-inner{flex-direction:column;gap:.15rem;padding-block:.55rem}.header-main{min-height:78px}.brand-mark{width:190px}.hero{padding-block:3.5rem}.hero h1,.page-hero h1{font-size:clamp(2.8rem,14vw,4.3rem)}.hero-service-panel{min-height:0}.service-media{min-height:320px}.service-panel-topline{flex-direction:column;align-items:flex-start}.service-panel-list{grid-template-columns:1fr}.service-panel-list a,.service-panel-list a:nth-child(2n),.service-panel-list a:nth-last-child(-n+2){border-bottom:1px solid #ffffff1f;border-right:0}.service-panel-list a:last-child{border-bottom:0}.insurer-brand-grid{grid-template-columns:repeat(2,1fr)}.status-grid{grid-template-columns:1fr;padding-block:.5rem}.status-grid div,.status-grid div:first-child{border-right:0;border-bottom:1px solid var(--line);padding:.9rem 0}.status-grid div:last-child{border-bottom:0}.section-heading{gap:1.2rem;margin-bottom:2rem}.service-grid{grid-template-columns:1fr}.service-card,.service-card:nth-last-child(-n+2){grid-column:1;min-height:300px}.review-panel{padding:2rem 1.25rem}.owner-alert{grid-template-columns:1fr;gap:.5rem}.detail-section{grid-template-columns:38px 1fr;gap:.75rem}.compact-cta{flex-direction:column;align-items:flex-start}.form-grid,.contact-grid{grid-template-columns:1fr}.owner-checklist li{grid-template-columns:34px 1fr}.owner-checklist li span{grid-column:2}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{flex-direction:column;gap:.4rem}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}
