:root{--navy:#0A2A43;--emerald:#17A673;--mint:#E6F6F1;--white:#fff;--text:#111827;--gap:clamp(16px,2vw,24px)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--text);font:16px/1.6 Inter,system-ui,Arial,sans-serif;background:#f7faf9}
img{max-width:100%;height:auto;display:block}.skip{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{left:8px;top:8px;width:auto;height:auto;background:#000;color:#fff;padding:8px 12px;border-radius:6px;z-index:1000}
.container{max-width:1200px;margin:0 auto;padding:0 var(--gap)}.flex{display:flex}.between{justify-content:space-between}.align{align-items:center}.wrap{flex-wrap:wrap}.center{justify-content:center}
.grid2{display:grid;grid-template-columns:1fr;gap:var(--gap)}@media(min-width:900px){.grid2{grid-template-columns:1.1fr .9fr}}
.grid3{display:grid;grid-template-columns:1fr;gap:var(--gap)}@media(min-width:900px){.grid3{grid-template-columns:1fr 1fr 1fr}}
.site-header{background:var(--white);border-bottom:1px solid #e6edf0;position:sticky;top:0;z-index:50}.brand{font-weight:800;color:var(--navy)}
.menu-toggle{background:transparent;border:2px solid var(--navy);color:var(--navy);padding:8px 10px;border-radius:8px}
.nav{position:fixed;inset:60px 0 auto 0;background:#fff;transform:translateY(-120%);transition:transform .25s ease;box-shadow:0 8px 24px rgba(0,0,0,.08)}
.nav.open{transform:translateY(0)}.nav ul{list-style:none;margin:0;padding:16px;display:grid;gap:12px}.nav a{color:var(--navy);text-decoration:none;font-weight:600}
.nav-ctas{display:flex;gap:8px;padding:0 16px 16px}@media(min-width:900px){.menu-toggle{display:none}.nav{position:static;transform:none;box-shadow:none}.nav ul{grid-auto-flow:column;gap:18px;padding:0}.nav-ctas{padding:0;margin-left:16px}}
.btn{display:inline-block;border-radius:10px;padding:12px 16px;font-weight:700;text-decoration:none;color:#08312a;transition:transform .05s ease,box-shadow .2s ease;box-shadow:0 2px 0 rgba(0,0,0,.05)}
.btn:active{transform:translateY(1px)}.btn.primary{background:var(--emerald)}.btn.ghost{color:var(--navy);border:2px solid var(--navy);background:transparent}.btn.link{color:var(--emerald)}.btn.block{display:block;width:100%}.btn.sm{padding:8px 12px;font-size:.9rem}
.hero{background:linear-gradient(135deg,#0A2A43 0%,#174c73 60%,#0A2A43 100%);color:#fff;padding:40px 0}.hero .lead{opacity:.95}.bullets{list-style:none;padding:0;margin:12px 0;display:grid;gap:6px}.hero-media img{border-radius:12px;box-shadow:0 16px 48px rgba(0,0,0,.35)}
.badges{background:#fff;padding:16px 0}.badges img{margin:8px 12px;filter:grayscale(10%)}
.services{padding:40px 0}.services h2{color:var(--navy)}.cards{display:grid;gap:var(--gap);grid-template-columns:1fr}@media(min-width:800px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid #e6edf0;border-radius:14px;padding:18px;box-shadow:0 6px 18px rgba(0,0,0,.04)}.card h3{margin-top:0;color:var(--navy)}
.insurance{padding:40px 0;background:var(--mint)}.steps{padding-left:20px}.steps li{margin:8px 0}
.about{padding:40px 0;background:#fff}.about h2{color:var(--navy)}.seo-copy h3{margin-top:24px}
.faqs{padding:40px 0}.faqs details{background:#fff;border:1px solid #e6edf0;border-radius:12px;padding:12px;margin:10px 0}
.blog{padding:40px 0;background:#fff}
.location{padding:40px 0;background:#f0f7f5}.map iframe{width:100%;height:320px;border:0;border-radius:12px}
.contact{padding:40px 0;background:#fff}.form{display:grid;gap:10px}.form input,.form textarea,.form select{padding:12px;border:1px solid #d9e4ea;border-radius:10px;font:inherit}
.panel{background:#0c2e49;color:#d9f3ea;border-radius:12px;padding:18px}.panel .btn{margin:8px 0}
.site-footer{background:#0A2A43;color:#bfeadd;padding:24px 0}.site-footer a{color:#bfeadd}.foot-nav{list-style:none;padding:0;margin:0;display:grid;gap:6px}.tiny{text-align:center}
.lead{font-size:1.1rem}.cta-group{display:flex;gap:12px;flex-wrap:wrap}