:root{--ink:#10251f;--green:#12352d;--green2:#1a4b3f;--mint:#d9eee6;--cream:#f7f3ea;--gold:#dfae54;--white:#fff;--line:#d7ded9;--muted:#5d6e68;--danger:#8f3b2b;--shadow:0 18px 50px rgba(16,37,31,.12);--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:17px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--green2);text-decoration-thickness:1px;text-underline-offset:3px}img,svg{max-width:100%}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:15px;top:15px;z-index:99;background:#fff;padding:10px}.topbar{background:var(--ink);color:#dce9e4;font-size:13px;letter-spacing:.04em}.topbar .wrap{min-height:38px;display:flex;align-items:center;justify-content:space-between}.topbar a{color:#fff;text-decoration:none;margin-left:22px}.nav-row{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none;font-size:14px;line-height:1.1;letter-spacing:.08em}.brand strong{color:var(--green2)}.brand small{display:block;margin-top:5px;font-size:9px;letter-spacing:.12em;color:var(--muted)}.brand-mark{display:grid;place-items:center;width:50px;height:50px;border-radius:50% 50% 46% 46%;background:var(--green);color:var(--gold);font:800 12px/1 system-ui;border:2px solid var(--gold)}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}nav#navigation{display:flex;align-items:center;gap:20px}nav#navigation>a:not(.button){font-size:14px;font-weight:650;text-decoration:none;color:var(--ink)}nav#navigation>a:hover{color:var(--green2)}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;padding:10px 13px;border-radius:8px}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--green);color:#fff!important;text-decoration:none;border:0;border-radius:999px;padding:13px 22px;font:750 15px/1.2 inherit;cursor:pointer;box-shadow:0 8px 20px rgba(18,53,45,.15)}.button:hover{background:var(--green2);transform:translateY(-1px)}.button.small{padding:11px 17px;font-size:13px}.button.gold{background:var(--gold);color:var(--ink)!important}.text-link{font-weight:750;text-decoration:none;border-bottom:1px solid currentColor}.breadcrumbs{padding-top:24px;font-size:13px;color:var(--muted)}.breadcrumbs a{color:var(--muted)}.breadcrumbs span{margin-left:9px}.page-intro{padding:70px 0 56px;background:linear-gradient(135deg,var(--cream),#fff 70%);border-bottom:1px solid #ebe7df}.page-intro h1{max-width:900px;margin:8px 0 15px;font:800 clamp(42px,6vw,78px)/.98 Georgia,serif;letter-spacing:-.035em}.lede{max-width:780px;margin:0;color:#42534d;font-size:clamp(18px,2vw,23px);line-height:1.5}.lede.narrow{max-width:800px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:850;color:#487468;margin:0 0 10px}.section{padding:80px 0}.section.soft{background:var(--cream)}.section-title{max-width:830px;margin:0 0 36px;font:750 clamp(32px,4vw,52px)/1.1 Georgia,serif;letter-spacing:-.02em}.hero-detail{padding:70px 0;background:var(--green);color:#fff}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:65px;align-items:center}.hero-detail h2{font:750 clamp(34px,4.2vw,58px)/1.05 Georgia,serif;margin:28px 0 18px}.hero-detail p{color:#d5e4de}.trust-badge{display:flex;gap:15px;align-items:center;padding:16px 18px;border:1px solid rgba(255,255,255,.18);border-radius:14px;background:rgba(255,255,255,.07)}.trust-badge svg{width:34px;stroke:var(--gold);fill:none;stroke-width:1.6}.trust-badge strong,.trust-badge small{display:block}.trust-badge small{color:#bed2ca;margin-top:2px}.hero-actions{display:flex;gap:25px;align-items:center;margin-top:28px}.light{color:#fff!important}.risk-panel{background:#fff;color:var(--ink);padding:32px;border-radius:26px;box-shadow:var(--shadow)}.risk-panel h3{font:750 30px/1.15 Georgia,serif;margin:8px 0 24px}.risk-panel p{color:var(--muted)}.risk-orbit{min-height:330px;position:relative;border-radius:50%;background:radial-gradient(circle,var(--mint) 0 24%,transparent 25%),radial-gradient(circle at center,transparent 0 49%,#d5e2dd 50%,transparent 51%);display:grid;place-items:center}.risk-orbit strong{text-align:center;line-height:1.15;color:var(--green)}.risk-orbit span{position:absolute;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 12px;font-size:12px;font-weight:750;box-shadow:0 5px 15px rgba(16,37,31,.1)}.risk-orbit span:nth-child(1){top:12%;left:7%}.risk-orbit span:nth-child(2){top:8%;right:8%}.risk-orbit span:nth-child(3){left:2%;bottom:22%}.risk-orbit span:nth-child(4){right:1%;bottom:20%}.risk-orbit span:nth-child(5){bottom:5%}.cards{display:grid;gap:20px}.cards.three{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 25px rgba(16,37,31,.05)}.card .icon{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--mint);margin-bottom:20px}.card svg{width:26px;fill:none;stroke:var(--green);stroke-width:1.7}.card h3{font:750 24px/1.2 Georgia,serif;margin:0 0 10px}.card p{color:var(--muted);margin:0 0 12px}.card a{font-weight:750;text-decoration:none}.split{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.split h2{font:750 clamp(32px,4vw,50px)/1.1 Georgia,serif;margin:0 0 20px}.stat-card{background:var(--green);color:#fff;padding:45px;border-radius:24px;text-align:center}.stat-card strong{display:block;font:800 92px/.85 Georgia,serif;color:var(--gold)}.stat-card span{text-transform:uppercase;letter-spacing:.12em;font-weight:800}.stat-card p{color:#c6d9d2}.stat-card a{color:#fff}.dark-section{background:var(--ink);color:#fff}.dark-section .section-title{color:#fff}.dark-section .card{background:#16352c;border-color:#2b5145}.dark-section .card p{color:#c7d8d2}.dark-section .card a{color:var(--gold)}.centered{text-align:center;margin-left:auto;margin-right:auto}.state-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.state-grid a{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px;text-decoration:none}.state-grid strong{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--green);color:var(--gold);font-size:12px}.state-grid span{font-weight:750;font-size:14px}.cta-band{padding:70px 0;background:var(--green);color:#fff}.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:40px}.cta-band h2{font:750 clamp(30px,4vw,48px)/1.1 Georgia,serif;margin:5px 0 10px}.cta-band p{color:#c9ddd5}.cta-actions{display:flex;align-items:center;gap:25px;flex-shrink:0}footer{background:#0c211b;color:#c8d8d2;padding:70px 0 25px}footer a{display:block;color:#e7f2ee;margin:7px 0;text-decoration:none}footer h3{color:#fff;margin-top:0}.footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr;gap:60px}.brand.inverse{color:#fff}.brand.inverse small{color:#9db8ae}.footer-bottom{border-top:1px solid #29423a;margin-top:45px;padding-top:24px;font-size:13px}.fine{font-size:13px;line-height:1.5;color:var(--muted)}.coverage-list{border-top:1px solid var(--line)}.coverage-row{display:grid;grid-template-columns:60px 1fr 30px;gap:20px;align-items:center;padding:27px 5px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}.coverage-row>span{color:#6b8179;font-weight:800}.coverage-row h2{font:750 29px/1.15 Georgia,serif;margin:0}.coverage-row p{margin:5px 0 0;color:var(--muted)}.coverage-row b{font-size:25px}.notice{background:var(--cream);border-left:5px solid var(--gold);padding:20px 23px;border-radius:0 12px 12px 0}.checklist{padding:0;list-style:none}.checklist li{padding:11px 0 11px 34px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:'✓';position:absolute;left:2px;color:var(--green2);font-weight:900}.feature-box{background:var(--green);color:#fff;padding:38px;border-radius:24px;box-shadow:var(--shadow)}.feature-box h3{font:750 30px/1.15 Georgia,serif;margin:8px 0 15px}.feature-box p{color:#d0e0da}.feature-box .eyebrow{color:var(--gold)}.feature-box.accent{background:#315c50}.feature-box.danger{background:#59342b}.case-list{display:grid;gap:25px}.case-list article{padding:36px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.case-list article>span{color:#487468;text-transform:uppercase;letter-spacing:.1em;font-size:12px;font-weight:850}.case-list h2{font:750 32px/1.15 Georgia,serif;margin:8px 0 12px}.case-list h3{font-size:15px;text-transform:uppercase;letter-spacing:.08em;margin:22px 0 2px}.state-directory{display:grid;grid-template-columns:1fr 1fr;gap:15px}.state-directory>a{display:grid;grid-template-columns:52px 1fr 25px;gap:18px;align-items:center;border:1px solid var(--line);border-radius:15px;padding:22px;text-decoration:none;color:var(--ink)}.state-directory>a>strong{display:grid;place-items:center;width:48px;height:48px;background:var(--green);color:var(--gold);border-radius:50%}.state-directory h2{margin:0;font:750 24px/1.2 Georgia,serif}.state-directory p{margin:4px 0 0;color:var(--muted);font-size:14px}.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.contact-grid article{border:1px solid var(--line);border-radius:var(--radius);padding:30px}.contact-grid h2{font:750 28px/1.2 Georgia,serif;margin-top:0}.contact-large{font:750 23px/1.2 Georgia,serif;margin:12px 0!important}.prose{max-width:820px}.prose h2{font:750 30px/1.2 Georgia,serif;margin-top:40px}.quote-layout{display:grid;grid-template-columns:1fr 340px;gap:50px;align-items:start}form{margin-top:28px}fieldset{border:1px solid var(--line);border-radius:15px;padding:25px;margin:0 0 24px}legend{font:750 25px/1.2 Georgia,serif;padding:0 10px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}label,.label-title{display:block;font-weight:750;font-size:14px}label span{font-weight:500;color:var(--muted)}input,select,textarea{display:block;width:100%;margin-top:7px;padding:12px 13px;border:1px solid #aab9b3;border-radius:8px;background:#fff;color:var(--ink);font:inherit}textarea{resize:vertical}.full{grid-column:1/-1}.checkbox-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin:12px 0 24px}.checkbox-grid label{font-weight:500}.checkbox-grid input{display:inline;width:auto;margin:0 8px 0 0}.honeypot{position:absolute;left:-9999px}.sidebar{position:sticky;top:125px;background:var(--cream);padding:28px;border-radius:var(--radius)}.sidebar h2{font:750 28px/1.15 Georgia,serif}.sidebar li{margin:8px 0}.sidebar hr{border:0;border-top:1px solid var(--line);margin:25px 0}
@media(max-width:1050px){nav#navigation{position:absolute;left:0;right:0;top:90px;background:#fff;border-bottom:1px solid var(--line);padding:18px 20px;display:none;flex-direction:column;align-items:stretch}nav#navigation.open{display:flex}.menu-toggle{display:block}.hero-grid,.split{grid-template-columns:1fr}.hero-grid{gap:35px}.cards.three{grid-template-columns:1fr 1fr}.state-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:760px){body{font-size:16px}.wrap{width:min(100% - 28px,1160px)}.topbar .wrap>span{display:none}.topbar .wrap{justify-content:center}.topbar a{margin:0 8px}.nav-row{min-height:76px}.brand-mark{width:43px;height:43px}.brand{font-size:12px}.brand small{font-size:8px}nav#navigation{top:76px}.page-intro{padding:50px 0 42px}.page-intro h1{font-size:44px}.section{padding:58px 0}.hero-detail{padding:48px 0}.cards.three,.state-directory,.contact-grid,.form-grid,.checkbox-grid,.footer-grid,.quote-layout{grid-template-columns:1fr}.state-grid{grid-template-columns:1fr 1fr}.cta-band .wrap{display:block}.cta-actions,.hero-actions{align-items:flex-start;flex-direction:column}.cta-actions{margin-top:25px}.risk-orbit{min-height:280px}.sidebar{position:static}.coverage-row{grid-template-columns:42px 1fr 20px}.coverage-row h2{font-size:24px}.footer-grid{gap:28px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button:hover{transform:none}}
.topbar-links{display:flex;align-items:center;gap:22px}.topbar-links a{margin-left:0}
@media(max-width:760px){.topbar .wrap{padding:6px 0}.topbar-links{justify-content:center;flex-wrap:wrap;gap:4px 16px}.topbar-links a{white-space:nowrap;margin:0}}