:root {
  --navy: #183244;
  --navy-2: #10232f;
  --blue: #2d6f73;
  --blue-dark: #24595d;
  --text: #263844;
  --muted: #65737c;
  --line: #d7dfe2;
  --fog: #f7f9f8;
  --sea: #eef3f1;
  --white: #fff;
  --focus: #2d6f73;
  --on-primary: #fff;
  --inverse-text: #f6f8f7;
  --inverse-muted: #b8c5ca;
  --inverse-accent: #b9d8d4;
  --inverse-line: rgb(255 255 255 / 20%);
  --inverse-surface: rgb(255 255 255 / 6%);
  --form-line: #d7dfe2;
  --form-head: #eef3f1;
  --form-shadow: 0 22px 56px rgb(24 50 68 / 16%);
  --tap: rgb(45 111 115 / 16%);
  --radius: 14px;
  --max: 1240px;
  --font-sans: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --font-display: Georgia, "Times New Roman", serif;
  --hsf-global__font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --hsf-global__font-size: 14px;
  --hsf-global__color: #1a1917;
  --hsf-global-error__color: #b42318;
  --hsf-row__vertical-spacing: 14px;
  --hsf-background__background-color: #fff;
  --hsf-background__padding: 26px 32px 28px;
  --hsf-field-label__font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --hsf-field-label__font-size: 14px;
  --hsf-field-label__color: #1a1917;
  --hsf-field-input__font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --hsf-field-input__color: #1a1917;
  --hsf-field-input__background-color: #fff;
  --hsf-field-input__placeholder-color: #7b756d;
  --hsf-field-input__border-color: #cbc5bb;
  --hsf-field-input__border-width: 1px;
  --hsf-field-input__border-style: solid;
  --hsf-field-input__border-radius: 8px;
  --hsf-field-input__padding: 12px;
  --hsf-button__font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --hsf-button__font-size: 14px;
  --hsf-button__color: #f5f1ea;
  --hsf-button__background-color: #171716;
  --hsf-button__border-radius: 8px;
  --hsf-button__padding: 12px 24px;
  --hsf-button__box-shadow: none;
}

:root[data-theme="dark"] {
  color-scheme: dark;
  --navy: #f5f1ea;
  --navy-2: #080808;
  --blue: #e8d9bf;
  --blue-dark: #d6c5a8;
  --text: #f5f1ea;
  --muted: #a59f95;
  --line: #2b2a28;
  --fog: #0c0c0c;
  --sea: #111110;
  --white: #171716;
  --focus: #e8d9bf;
  --on-primary: #171716;
  --inverse-text: #f5f1ea;
  --inverse-muted: #a59f95;
  --inverse-accent: #e8d9bf;
  --inverse-line: rgb(255 255 255 / 22%);
  --inverse-surface: rgb(255 255 255 / 6%);
  --form-line: #ded9d0;
  --form-head: #f5f1ea;
  --form-shadow: 0 22px 56px rgb(0 0 0 / 24%);
  --tap: rgb(232 217 191 / 16%);
}

*, *::before, *::after { box-sizing: border-box; }

html {
  color-scheme: light;
  scroll-behavior: smooth;
  scroll-padding-top: 84px;
}

body {
  margin: 0;
  overflow-x: hidden;
  background: var(--fog);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.58;
  -webkit-font-smoothing: antialiased;
  -webkit-tap-highlight-color: var(--tap);
}

a { color: inherit; }
a, button, summary { touch-action: manipulation; }
svg { display: block; }
p, h1, h2, h3 { overflow-wrap: break-word; }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.skip-link {
  position: fixed;
  z-index: 100;
  top: 10px;
  left: 10px;
  padding: 9px 12px;
  transform: translateY(-160%);
  border-radius: 6px;
  background: var(--navy);
  color: var(--on-primary);
  font-size: 14px;
  font-weight: 600;
  transition: transform 150ms ease;
}

.skip-link:focus { transform: translateY(0); }

.shell {
  width: min(calc(100% - 40px), var(--max));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  z-index: 40;
  top: 0;
  height: 68px;
  border-bottom: 1px solid var(--line);
  background: var(--fog);
}

.header-inner {
  display: flex;
  height: 100%;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 22px;
}

.phone-link {
  color: var(--muted);
  font-size: 14px;
  font-variant-numeric: tabular-nums;
  text-decoration: none;
}

.phone-link:hover { color: var(--navy); }

.brand {
  display: inline-flex;
  min-width: 0;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -.025em;
  text-decoration: none;
}

.brand:hover { color: var(--blue); }

.theme-toggle {
  display: inline-grid;
  width: 44px;
  height: 44px;
  flex: 0 0 44px;
  place-items: center;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  transition: border-color 150ms ease, color 150ms ease, background-color 150ms ease;
}

.theme-toggle:hover { border-color: var(--blue); color: var(--blue); }
.theme-icon { width: 18px; height: 18px; }
.theme-icon-sun { display: none; }
:root[data-theme="dark"] .theme-icon-moon { display: none; }
:root[data-theme="dark"] .theme-icon-sun { display: block; }

.button {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 18px;
  border: 1px solid var(--navy);
  border-radius: 999px;
  background: var(--navy);
  color: var(--on-primary);
  font-size: 14px;
  font-weight: 500;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  transition: background-color 150ms ease, border-color 150ms ease, color 150ms ease, transform 150ms ease;
}

.button:hover { border-color: var(--blue); background: var(--blue); transform: translateY(-1px); }

.header-cta {
  min-height: 40px;
  padding: 8px 1px 6px;
  border: 0;
  border-bottom: 1px solid currentColor;
  border-radius: 0;
  background: transparent;
  color: var(--navy);
}

.header-cta:hover { border-color: var(--blue); background: transparent; color: var(--blue); transform: none; }

.hero {
  background: var(--fog);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, .88fr) minmax(540px, 1.12fr);
  gap: clamp(48px, 6vw, 82px);
  align-items: start;
  padding-block: clamp(70px, 8vw, 112px);
}

.hero-copy {
  max-width: 650px;
  position: sticky;
  top: 116px;
  padding-top: 46px;
}

.hero-copy .eyebrow { color: var(--blue); }

.eyebrow {
  margin: 0 0 18px;
  color: var(--blue);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .13em;
  line-height: 1.4;
  text-transform: uppercase;
}

h1, h2 {
  margin: 0;
  color: var(--navy);
  font-family: var(--font-sans);
  font-weight: 600;
  letter-spacing: -.05em;
  text-wrap: balance;
}

h1 {
  max-width: 690px;
  font-size: clamp(46px, 5.7vw, 74px);
  line-height: 1.02;
}

h2 {
  font-size: clamp(34px, 4vw, 52px);
  line-height: 1.04;
}

.accent {
  color: var(--blue);
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -.045em;
}

.hero-copy > p:not(.eyebrow) {
  max-width: 660px;
  margin: 24px 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.58;
  text-wrap: pretty;
}

.proof-list {
  display: grid;
  grid-template-columns: 1fr;
  margin: 30px 0 0;
  padding: 0;
  gap: 10px;
  list-style: none;
}

.proof-list li {
  display: flex;
  min-width: 0;
  align-items: flex-start;
  justify-content: flex-start;
  gap: 8px;
  color: var(--text);
  font-size: 14px;
  font-weight: 500;
  line-height: 1.4;
}

.proof-list svg { flex: 0 0 auto; color: var(--blue); }

.icon {
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.quote-card {
  position: relative;
  width: 100%;
  max-width: 620px;
  justify-self: end;
  overflow: hidden;
  border: 1px solid var(--form-line);
  border-radius: 16px;
  background: #fff;
  color: #171716;
  color-scheme: light;
  box-shadow: var(--form-shadow);
}

.quote-card-head {
  padding: 28px 32px 22px;
  border-bottom: 1px solid var(--form-line);
  background: var(--form-head);
}

.quote-card h2 { color: #171716; font-size: 28px; letter-spacing: -.035em; }
.form-intro { margin: 6px 0 0; color: #666058; font-size: 14px; line-height: 1.5; }

#hubspot-form { width: 100%; min-height: 720px; overflow-x: hidden; background: #fff; }
#hubspot-form .hs-form-frame,
#hubspot-form iframe { display: block; width: 100% !important; max-width: 100% !important; margin: 0; border: 0; }

#hubspot-form noscript { display: block; padding: 28px 32px; font-size: 14px; }

.form-note, .agency-note {
  margin: 0;
  padding-inline: 32px;
  color: #6f6960;
  font-size: 12px;
  line-height: 1.5;
}

.form-note { padding-top: 20px; border-top: 1px solid #ece8e1; }
.form-note a { color: #171716; }
.agency-note { padding-top: 9px; padding-bottom: 28px; color: #171716; font-weight: 600; }

.section { padding-block: clamp(72px, 8vw, 96px); }
.section + .section { border-top: 1px solid var(--line); }

.section-head {
  display: grid;
  max-width: 720px;
  margin-bottom: 40px;
  gap: 10px;
}

.section-head .eyebrow { margin: 0; }
.section-head > p:not(.eyebrow) { max-width: 620px; margin: 0; color: var(--muted); font-size: 16px; }

.coverage-groups { display: grid; gap: 46px; }

.coverage-group {
  display: grid;
  grid-template-columns: 150px minmax(0, 1fr);
  gap: 26px;
  align-items: start;
}

.group-label {
  margin: 0;
  padding-top: 13px;
  border-top: 1px solid var(--line);
  color: var(--navy);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.coverage-card {
  min-width: 0;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
}

.coverage-icon {
  display: block;
  width: 24px;
  height: 24px;
  margin-bottom: 22px;
  color: var(--blue);
}

.coverage-card h3, .reason h3, .step h3 {
  margin: 0 0 7px;
  color: var(--navy);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -.015em;
  line-height: 1.25;
}

.coverage-card p, .reason p, .step p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.55; }
.availability { margin: 28px 0 0 176px; color: var(--muted); font-size: 14px; }

.why { background: var(--sea); }

.reason-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.reason {
  min-width: 0;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}

.reason svg { margin-bottom: 30px; color: var(--blue); }
.reason h3 { font-size: 18px; }

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  counter-reset: step;
}

.step {
  position: relative;
  min-width: 0;
  padding: 0 32px 0 0;
  counter-increment: step;
}

.step + .step { padding-left: 32px; border-left: 1px solid var(--line); }

.step::before {
  display: block;
  margin-bottom: 24px;
  color: var(--blue);
  content: "0" counter(step);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .08em;
}

.step h3 { font-size: 18px; }

.trust {
  padding-block: clamp(72px, 8vw, 92px);
  background: var(--navy-2);
  color: var(--inverse-text);
}

.trust-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, .75fr);
  gap: 58px;
  align-items: center;
}

.trust .eyebrow { color: var(--inverse-accent); }
.trust h2 { color: var(--inverse-text); }
.trust-copy { max-width: 700px; margin: 20px 0 0; color: var(--inverse-muted); }

.license-card {
  padding: 24px;
  border: 1px solid var(--inverse-line);
  border-radius: 10px;
  background: var(--inverse-surface);
}

.license-card p { margin: 0; }
.license-card p + p { margin-top: 10px; }
.license-label { color: var(--inverse-accent); font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; }
.license-value { font-size: 14px; font-weight: 500; }

.state-list {
  margin-top: 20px;
  border-color: var(--inverse-line);
  background: transparent;
}

.state-list summary { min-height: 48px; color: var(--inverse-text); }
.state-list summary:hover { background: var(--inverse-surface); }
.state-list summary::after { color: var(--inverse-accent); }
.state-list p { color: var(--inverse-muted); }

.cta-band { padding-block: clamp(64px, 7vw, 82px); background: var(--fog); }

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}

.cta-band h2 { max-width: 690px; }
.cta-band p { margin: 12px 0 0; color: var(--muted); font-size: 16px; }
.cta-band .button { flex: 0 0 auto; }

.faq-list { display: grid; max-width: 880px; gap: 8px; }

details {
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--white);
}

summary {
  position: relative;
  min-height: 60px;
  padding: 17px 54px 17px 20px;
  color: var(--navy);
  font-size: 16px;
  font-weight: 600;
  line-height: 1.4;
  list-style: none;
  cursor: pointer;
  transition: background-color 150ms ease;
}

summary::-webkit-details-marker { display: none; }
summary:hover { background: var(--fog); }

summary::after {
  position: absolute;
  top: 50%;
  right: 20px;
  color: var(--blue);
  content: "+";
  font-size: 22px;
  font-weight: 400;
  transform: translateY(-52%);
  transform-origin: center;
}

details[open] summary::after { content: "−"; }
details p { margin: 0; padding: 0 20px 19px; color: var(--muted); font-size: 14px; }

.footer {
  padding: 52px 0 calc(52px + env(safe-area-inset-bottom));
  border-top: 1px solid var(--inverse-line);
  background: var(--navy-2);
  color: var(--inverse-muted);
}

.footer .brand { color: var(--inverse-text); }

.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 30px;
}

.footer-links { display: flex; flex-wrap: wrap; gap: 10px 20px; }
.footer a { transition: color 150ms ease; }
.footer a:hover { color: var(--inverse-text); }
.legal { max-width: 960px; font-size: 12px; line-height: 1.62; }
.legal p { margin: 0; }
.legal p + p { margin-top: 9px; }

.mobile-cta { display: none; }
.mobile-cta.is-hidden { opacity: 0; pointer-events: none; transform: translateY(120%); }
[hidden] { display: none !important; }
#main, #quote-form, #privacy-note, #terms-note { scroll-margin-top: 84px; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; max-width: 760px; }
  .hero-copy { position: static; max-width: 680px; padding-top: 0; }
  .quote-card { width: 100%; max-width: 760px; justify-self: start; }
  .coverage-group { grid-template-columns: 1fr; }
  .group-label { padding-top: 10px; }
  .availability { margin-left: 0; }
  .trust-grid { grid-template-columns: 1fr; }
}

@media (max-width: 700px) {
  :root { --hsf-background__padding: 24px 20px 28px; }
  body { padding-bottom: calc(70px + env(safe-area-inset-bottom)); }
  .shell { width: min(calc(100% - 28px), var(--max)); }
  .site-header { height: 64px; }
  .header-actions { gap: 14px; }
  .phone-link, .header-cta { display: none; }
  .hero-grid { gap: 30px; padding-block: 40px 56px; }
  h1 { font-size: clamp(38px, 11vw, 48px); }
  .hero-copy > p:not(.eyebrow) { font-size: 17px; }
  .proof-list { grid-template-columns: 1fr; gap: 10px; }
  .proof-list li { justify-content: flex-start; }
  .quote-card { max-width: 100%; }
  .quote-card-head { padding: 24px 20px 18px; }
  .form-note, .agency-note { padding-inline: 20px; }
  .agency-note { padding-bottom: 22px; }
  #hubspot-form { min-height: 680px; }
  .card-grid, .reason-grid, .steps { grid-template-columns: 1fr; }
  .reason-grid { gap: 26px; }
  .step { padding: 0 0 26px 48px; }
  .step + .step { padding: 26px 0 26px 48px; border-top: 1px solid var(--line); border-left: 0; }
  .step::before { position: absolute; top: 1px; left: 0; margin: 0; }
  .step + .step::before { top: 27px; }
  .cta-inner, .footer-top { align-items: flex-start; flex-direction: column; }
  .cta-band .button { width: 100%; }
  .mobile-cta {
    position: fixed;
    z-index: 50;
    right: 10px;
    bottom: calc(10px + env(safe-area-inset-bottom));
    left: 10px;
    display: flex;
    min-height: 48px;
    transition: opacity 150ms ease, transform 150ms ease;
  }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
  }
}