:root{
  --navy:#0b3a5c; --navy-dark:#082c46; --ocean:#1287a8; --ocean-light:#e6f4f8;
  --sun:#f7941d; --sun-dark:#e07f0a; --sand:#fdf8f0; --ink:#1e2a32; --grey:#5a6b76;
  --line:#e3ebef; --white:#fff; --radius:14px;
  --shadow:0 4px 20px rgba(11,58,92,.10);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--ocean);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
/* top bar */
.topbar{background:var(--navy-dark);color:#cfe6ef;font-size:.9rem;padding:6px 0}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
/* header */
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo img{height:64px;width:auto}
nav.main{display:flex;gap:2px;align-items:center;flex-wrap:wrap}
nav.main>div{position:relative}
nav.main a.top{display:block;padding:10px 12px;color:var(--navy);font-weight:600;font-size:.92rem;border-radius:8px}
nav.main a.top:hover{background:var(--ocean-light);text-decoration:none}
nav.main .drop{display:none;position:absolute;top:100%;left:0;background:var(--white);min-width:260px;box-shadow:var(--shadow);border-radius:10px;padding:8px;z-index:60}
nav.main>div:hover .drop{display:block}
nav.main .drop a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);font-size:.9rem}
nav.main .drop a:hover{background:var(--ocean-light);text-decoration:none}
.cta-btn{background:var(--sun);color:#fff !important;font-weight:700;padding:11px 20px;border-radius:999px;white-space:nowrap;box-shadow:0 3px 10px rgba(247,148,29,.35)}
.cta-btn:hover{background:var(--sun-dark);text-decoration:none !important}
.cta-btn.ghost{background:transparent;border:2px solid #fff;box-shadow:none}
.cta-btn.ghost:hover{background:rgba(255,255,255,.15)}
/* mobile nav */
#navtoggle{display:none}
label.burger{display:none;cursor:pointer;font-size:1.7rem;color:var(--navy);padding:6px 10px}
@media(max-width:920px){
  label.burger{display:block}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;padding:10px 16px 18px;box-shadow:var(--shadow)}
  #navtoggle:checked~nav.main{display:flex}
  nav.main .drop{display:block;position:static;box-shadow:none;padding-left:14px;min-width:0}
  header.site .cta-btn{display:none}
  .logo img{height:52px}
}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--ocean) 100%);color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:rgba(247,148,29,.18)}
.hero .container{position:relative;z-index:1;max-width:860px;text-align:center}
.hero h1{font-size:clamp(1.9rem,4.5vw,3rem);line-height:1.15;margin-bottom:18px;letter-spacing:-.5px}
.hero p{font-size:1.15rem;color:#dbeef5;margin-bottom:28px}
.hero .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.badges{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-top:30px;font-size:.9rem;color:#cfe6ef}
.badges span{display:flex;align-items:center;gap:6px}
/* sections */
section{padding:60px 0}
section.alt{background:var(--sand)}
section.tint{background:var(--ocean-light)}
h2.sec{font-size:clamp(1.5rem,3vw,2.1rem);color:var(--navy);margin-bottom:14px;letter-spacing:-.3px}
p.lead{color:var(--grey);max-width:760px;margin-bottom:26px}
.center{text-align:center}
.center p.lead{margin-left:auto;margin-right:auto}
/* cards */
.grid{display:grid;gap:24px}
.grid.c2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid.c3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card img{width:100%;height:220px;object-fit:cover}
.card .pad{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h3{color:var(--navy);font-size:1.15rem}
.card p{color:var(--grey);font-size:.95rem;flex:1}
.card a.more{font-weight:700}
/* split rows */
.row{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.row img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;object-fit:cover}
@media(max-width:820px){.row{grid-template-columns:1fr}}
.row ul,.row ol{padding-left:22px;color:var(--grey);display:grid;gap:8px;margin:14px 0}
.row li strong{color:var(--ink)}
/* checklist */
ul.check{list-style:none;padding:0;display:grid;gap:10px;margin:14px 0}
ul.check li{padding-left:30px;position:relative;color:var(--grey)}
ul.check li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--ocean-light);color:var(--ocean);font-weight:800;font-size:.8rem;display:flex;align-items:center;justify-content:center}
/* reviews */
.reviews{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.review{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.review .stars{color:var(--sun);letter-spacing:3px;margin-bottom:10px;font-size:1.05rem}
.review p{font-size:.93rem;color:var(--grey);margin-bottom:14px}
.review .who{font-weight:700;color:var(--navy);font-size:.9rem}
.review .src{font-size:.78rem;color:var(--grey)}
/* areas */
.areas{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:8px;margin-top:20px}
.areas a,.areas span{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:.88rem;color:var(--ink);text-align:center}
.areas a{color:var(--ocean);font-weight:600}
.areas a:hover{background:var(--ocean-light);text-decoration:none}
/* brands */
.brands{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:8px}
.brands a{border:1px solid var(--line);border-radius:999px;padding:9px 20px;font-weight:700;color:var(--navy);background:var(--white)}
.brands a:hover{border-color:var(--ocean);text-decoration:none}
/* form */
.quote-wrap{background:var(--navy);border-radius:var(--radius);padding:38px;color:#fff;box-shadow:var(--shadow)}
.quote-wrap h2{color:#fff;font-size:1.5rem;margin-bottom:6px}
.quote-wrap p{color:#cfe6ef;margin-bottom:22px;font-size:.95rem}
form.quote{display:grid;gap:14px;grid-template-columns:1fr 1fr}
form.quote .full{grid-column:1/-1}
form.quote label{font-size:.82rem;font-weight:700;display:block;margin-bottom:5px;color:#dbeef5}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:12px 14px;border-radius:9px;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.96);font-size:.95rem;font-family:inherit;color:var(--ink)}
form.quote textarea{min-height:100px;resize:vertical}
form.quote button{grid-column:1/-1;background:var(--sun);color:#fff;font-weight:800;font-size:1.05rem;padding:15px;border:none;border-radius:999px;cursor:pointer;box-shadow:0 3px 10px rgba(247,148,29,.4)}
form.quote button:hover{background:var(--sun-dark)}
@media(max-width:640px){form.quote{grid-template-columns:1fr}}
/* banner strip */
.strip{background:linear-gradient(90deg,var(--sun) 0%,#f8a94a 100%);color:#fff;text-align:center;padding:34px 20px}
.strip h2{font-size:clamp(1.2rem,2.6vw,1.7rem);margin-bottom:14px}
.strip .cta-btn{background:var(--navy)}
.strip .cta-btn:hover{background:var(--navy-dark)}
/* footer */
footer{background:var(--navy-dark);color:#b9d2de;padding:56px 0 24px;font-size:.92rem}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
@media(max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:560px){footer .cols{grid-template-columns:1fr}}
footer h4{color:#fff;margin-bottom:12px;font-size:1rem}
footer a{color:#b9d2de}
footer a:hover{color:#fff}
footer ul{list-style:none;display:grid;gap:7px}
footer .logo-foot{background:#fff;border-radius:10px;padding:10px;display:inline-block;margin-bottom:14px}
footer .logo-foot img{height:70px;width:auto}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;font-size:.8rem;color:#7f9dac}
.lic{font-size:.85rem;line-height:1.9}
/* misc */
.pill{display:inline-block;background:var(--ocean-light);color:var(--ocean);font-weight:700;font-size:.8rem;padding:5px 14px;border-radius:999px;margin-bottom:14px;letter-spacing:.5px;text-transform:uppercase}
.map{border:0;width:100%;height:340px;border-radius:var(--radius);box-shadow:var(--shadow)}
table.cmp{width:100%;border-collapse:collapse;margin:22px 0;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
table.cmp th,table.cmp td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line)}
table.cmp th{background:var(--navy);color:#fff}
table.cmp tr:last-child td{border-bottom:none}
.article{max-width:800px;margin:0 auto}
.article h2{color:var(--navy);margin:30px 0 12px}
.article p,.article li{color:var(--grey)}
.article ul{padding-left:22px;display:grid;gap:8px;margin:12px 0}
.article .date{color:var(--grey);font-size:.9rem;margin-bottom:20px}

.article img{max-width:100%;height:auto;border-radius:var(--radius);margin:14px 0;display:block}
.article img.feature{margin:0 0 26px}
.article h3{color:var(--navy);margin:22px 0 8px}
.article ol{padding-left:22px;display:grid;gap:8px;margin:12px 0}
.article table{width:100%;border-collapse:collapse;margin:16px 0}.article td,.article th{border:1px solid var(--line);padding:8px 10px;text-align:left}
.card .date{color:var(--grey);font-size:.85rem}

/* faq */
.faq{max-width:860px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;background:var(--white);margin-bottom:10px;box-shadow:var(--shadow)}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:'+';color:var(--ocean);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:'\2013'}
.faq details p{color:var(--grey);margin-top:10px;line-height:1.6}

/* breadcrumbs */
.crumbs{background:var(--ocean-light);font-size:.85rem;padding:9px 0;color:var(--grey)}
.crumbs a{font-weight:600}
.crumbs span{margin:0 2px}
/* guide cards + post footer links */
.card h3 a{color:inherit}
.article-links{margin-top:34px;padding:22px 24px;border:1px solid var(--line);border-radius:var(--radius);background:var(--ocean-light)}
.article-links h2{margin-top:0}

/* article readability */
.article p{margin:0 0 14px;line-height:1.7}
.article li{line-height:1.6}

/* Quote builder (/build-your-quote/) */
.builder-wrap{max-width:900px}
form.builder fieldset{border:1px solid #d9e6ec;border-radius:var(--radius);padding:22px 24px;margin:0 0 22px;background:#fff;box-shadow:var(--shadow)}
form.builder fieldset[hidden]{display:none}
form.builder legend{font-weight:800;font-size:1.15rem;color:var(--navy);padding:0 8px}
form.builder legend small{font-weight:600;color:var(--grey);font-size:.82rem}
form.builder .num{display:inline-block;width:28px;height:28px;line-height:28px;text-align:center;border-radius:50%;background:var(--sun);color:#fff;font-size:.9rem;margin-right:6px}
form.builder h4{margin:16px 0 8px;color:var(--navy);font-size:1rem}
form.builder .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.builder label{display:block;font-size:.85rem;font-weight:700;margin-bottom:5px;color:var(--ink)}
form.builder input[type=text],form.builder input[type=tel],form.builder input[type=email],form.builder select,form.builder textarea,form.builder input[type=file]{width:100%;padding:11px 13px;border-radius:9px;border:1px solid #b9ccd6;background:#fff;font-size:.95rem;font-family:inherit;color:var(--ink)}
form.builder textarea{min-height:90px;resize:vertical}
form.builder .choices{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px}
form.builder label.choice{display:flex;gap:10px;align-items:flex-start;border:2px solid #d9e6ec;border-radius:12px;padding:14px;cursor:pointer;margin:0;font-weight:400;background:#fff}
form.builder label.choice input{margin-top:4px;flex:none;width:auto}
form.builder label.choice strong{display:block;color:var(--navy)}
form.builder label.choice small{display:block;color:var(--grey);font-size:.82rem;margin-top:2px}
form.builder label.choice:has(input:checked){border-color:var(--sun);background:#fff8ee}
form.builder label.check{font-weight:600;display:flex;gap:8px;align-items:flex-start}
form.builder .sub{margin-top:14px}
form.builder .hint{color:var(--grey);font-size:.88rem;margin:0 0 12px}
form.builder .hint.center{text-align:center;margin-top:14px}
form.builder .upload-msg{color:#b3261e;font-weight:700;margin:12px 0 0}
form.builder .sr{position:absolute;left:-9999px}
form.builder .cta-btn.big{display:block;width:100%;border:none;cursor:pointer;font-size:1.1rem;padding:16px}
@media(max-width:640px){form.builder .row{grid-template-columns:1fr}form.builder fieldset{padding:18px 14px}}
form.builder .pills{display:flex;flex-wrap:wrap;gap:8px}
form.builder label.pill-opt{display:inline-flex;margin:0;cursor:pointer}
form.builder label.pill-opt input{position:absolute;opacity:0;width:0;height:0}
form.builder label.pill-opt span{display:inline-block;padding:9px 14px;border:2px solid #d9e6ec;border-radius:999px;font-weight:600;font-size:.88rem;color:var(--navy);background:#fff}
form.builder label.pill-opt:has(input:checked) span{border-color:var(--sun);background:#fff8ee}
form.builder label.pill-opt:has(input:focus-visible) span{outline:2px solid var(--ocean)}
form.builder label.choice.has-img{flex-direction:column;gap:0;padding:0;overflow:hidden;position:relative}
form.builder label.choice.has-img input{position:absolute;top:10px;left:10px;z-index:1;width:20px;height:20px}
form.builder label.choice.has-img img{width:100%;aspect-ratio:4/3;object-fit:cover;display:block;background:#eef3f6}
form.builder label.choice.has-img span{padding:12px 14px}
form.builder .feature-photo{margin:0 0 16px;text-align:center}
form.builder .feature-photo img{width:100%;max-width:360px;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:12px;box-shadow:var(--shadow)}
form.builder .feature-photo figcaption{color:var(--grey);font-size:.88rem;margin-top:8px}