:root {
  --navy: #001a4d;
  --navy-2: #022761;
  --red: #e31319;
  --red-dark: #b80910;
  --ink: #061747;
  --muted: #536077;
  --line: #e7eaf0;
  --soft: #f7f9fc;
  --white: #fff;
  --shadow: 0 12px 34px rgba(2, 20, 61, .09);
  --radius: 12px;
  --max: 1330px;
}


/* Lightweight local icon set so the site works without external libraries. */
.bi { display: inline-block; width: 1.15em; text-align: center; font-style: normal; line-height: 1; }
.bi::before { display: inline-block; }
.bi-telephone-fill::before { content: "\260E"; }
.bi-envelope::before, .bi-envelope-fill::before { content: "\2709"; }
.bi-globe2::before { content: "\25CE"; }
.bi-geo-alt-fill::before { content: "\25CF"; }
.bi-list::before { content: "\2630"; }
.bi-x-lg::before { content: "\00D7"; }
.bi-chevron-down::before { content: "\2304"; }
.bi-arrow-right::before { content: "\2192"; }
.bi-car-front-fill::before { content: "\1F697"; }
.bi-briefcase-fill::before { content: "\25A3"; }
.bi-heart-pulse-fill::before { content: "\2665"; }
.bi-plus-lg::before { content: "+"; font-weight: 800; }
.bi-house-fill::before { content: "\2302"; }
.bi-person-badge-fill::before, .bi-person-fill::before { content: "\25CF"; }
.bi-water::before { content: "\224B"; }
.bi-buildings-fill::before { content: "\25A6"; }
.bi-key-fill::before { content: "\26BF"; }
.bi-house-heart-fill::before { content: "\2302"; }
.bi-umbrella-fill::before { content: "\2602"; }
.bi-bus-front-fill::before, .bi-truck-front-fill::before { content: "\25A4"; }
.bi-people-fill::before { content: "\25C9"; }
.bi-bicycle::before { content: "\25CC"; }
.bi-lock-fill::before { content: "\25A0"; }
.bi-hand-thumbs-up-fill::before { content: "\2713"; }
.bi-shield-check::before { content: "\25C8"; }
.bi-award-fill::before { content: "\2605"; }
.bi-facebook::before { content: "f"; font-weight: 800; font-family: Arial, sans-serif; }
.bi-instagram::before { content: "◎"; font-weight: 800; }
.bi-linkedin::before { content: "in"; font-size: .72em; font-weight: 800; font-family: Arial, sans-serif; }

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.container { width: min(var(--max), calc(100% - 48px)); margin-inline: auto; }
.section { padding: 64px 0; }
.section--tight { padding: 42px 0; }
.muted { color: var(--muted); }
.text-red { color: var(--red); }
.center { text-align: center; }

.topbar {
  background: linear-gradient(90deg, #00163f, #052861);
  color: #fff;
  font-size: .82rem;
}
.topbar__inner {
  min-height: 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}
.topbar__left, .topbar__right { display: flex; align-items: center; gap: 36px; }
.topbar a, .topbar span { display: inline-flex; align-items: center; gap: 8px; white-space: nowrap; }
.topbar .bi { font-size: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid rgba(0,26,77,.08);
  backdrop-filter: blur(10px);
}
.navbar {
  min-height: 96px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}
.brand { display: inline-flex; align-items: center; flex: 0 0 auto; }
.brand img { width: 108px; height: 82px; object-fit: contain; }
.navlinks { display: flex; align-items: center; gap: 40px; margin-left: auto; }
.navlink, .dropdown-toggle {
  position: relative;
  color: var(--ink);
  font-size: .88rem;
  font-weight: 700;
  text-transform: uppercase;
  border: 0;
  background: transparent;
  padding: 37px 0 30px;
}
.navlink::after, .dropdown-toggle::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 23px;
  height: 2px;
  background: var(--red);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform .2s ease;
}
.navlink:hover::after, .navlink.active::after, .dropdown:hover .dropdown-toggle::after { transform: scaleX(1); }
.dropdown { position: relative; }
.dropdown-menu {
  position: absolute;
  left: -20px;
  top: 74px;
  width: 250px;
  padding: 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: var(--shadow);
  opacity: 0;
  transform: translateY(-6px);
  visibility: hidden;
  transition: .18s ease;
}
.dropdown:hover .dropdown-menu, .dropdown:focus-within .dropdown-menu, .dropdown.open .dropdown-menu {
  opacity: 1; transform: translateY(0); visibility: visible;
}
.dropdown-menu a { display: block; padding: 11px 12px; border-radius: 8px; font-size: .86rem; font-weight: 600; }
.dropdown-menu a:hover { background: var(--soft); color: var(--red); }
.nav-cta, .btn {
  border: 0;
  border-radius: 7px;
  padding: 13px 24px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .01em;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.nav-cta, .btn--red { color: #fff; background: linear-gradient(135deg, var(--red), #ef2525); box-shadow: 0 10px 22px rgba(227,19,25,.2); }
.nav-cta:hover, .btn--red:hover { transform: translateY(-1px); background: var(--red-dark); }
.btn--outline { border: 1.5px solid rgba(255,255,255,.8); color: #fff; background: transparent; }
.btn--outline:hover { background: rgba(255,255,255,.1); }
.menu-toggle { display: none; border: 0; background: transparent; font-size: 1.7rem; color: var(--navy); padding: 10px; }

.home-hero, .page-hero {
  position: relative;
  overflow: hidden;
  color: #fff;
  background: linear-gradient(90deg, #001541 0%, #02285d 53%, #001a4d 100%);
}
.home-hero::after, .page-hero::after {
  content: '';
  position: absolute;
  z-index: 3;
  left: -2%; right: -2%; bottom: -16px;
  height: 28px;
  background: var(--red);
  transform: rotate(-3.2deg);
  transform-origin: right center;
}
.home-hero__image, .page-hero__image {
  position: absolute;
  inset: 0 0 0 42%;
  background-size: cover;
  background-position: center;
}
.home-hero__image::before, .page-hero__image::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(0,24,71,.95) 0%, rgba(0,24,71,.55) 26%, rgba(0,24,71,.08) 62%);
}
.home-hero__image { background-image: url('assets/home-hero.jpg'); }
.home-hero__inner {
  position: relative;
  z-index: 4;
  min-height: 340px;
  display: flex;
  align-items: center;
  padding: 54px 0 74px;
}
.home-hero__content { width: min(600px, 53%); }
.home-hero h1, .page-hero h1 {
  margin: 0;
  font-size: clamp(2.55rem, 5vw, 4rem);
  line-height: .98;
  letter-spacing: .02em;
  text-transform: uppercase;
  font-weight: 800;
}
.home-hero p { font-size: clamp(1rem, 1.8vw, 1.25rem); font-weight: 600; max-width: 600px; margin: 16px 0 22px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.coverage-feature-grid {
  position: relative;
  z-index: 5;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: -46px;
}
.feature-card, .mini-card, .info-card, .stat-card, .panel, .value-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.feature-card { padding: 22px 26px; min-height: 188px; }
.card-title-row { display: flex; align-items: center; gap: 14px; }
.icon-circle {
  width: 54px; height: 54px; flex: 0 0 54px;
  border-radius: 50%; background: var(--navy);
  color: #fff; display: grid; place-items: center; font-size: 1.65rem;
}
.icon-circle.red { background: var(--red); }
.feature-card h3 { margin: 0; font-size: 1rem; line-height: 1.12; text-transform: uppercase; }
.feature-card p { color: #26365e; font-size: .86rem; margin: 14px 0; }
.more-link { color: var(--red); font-weight: 800; text-transform: uppercase; font-size: .82rem; }
.more-link .bi { margin-left: 6px; }

.section-title { text-align: center; margin-bottom: 24px; }
.section-title h2 { margin: 0; font-size: clamp(1.55rem, 3vw, 2.05rem); text-transform: uppercase; }
.section-title .rule, .heading-rule { width: 42px; height: 3px; background: var(--red); border-radius: 3px; margin: 8px auto 0; }
.quote-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 14px; }
.mini-card { padding: 15px 17px; display: flex; align-items: center; gap: 13px; min-height: 78px; }
.mini-card .icon-circle { width: 43px; height: 43px; flex-basis: 43px; font-size: 1.25rem; }
.mini-card h4 { margin: 0 0 4px; font-size: .78rem; line-height: 1.08; text-transform: uppercase; }
.mini-card a { color: var(--red); font-weight: 800; font-size: .67rem; text-transform: uppercase; }

.split-row { display: grid; grid-template-columns: 1.02fr 1fr; gap: 20px; align-items: stretch; }
.testimonial-panel { padding: 22px 28px; overflow: hidden; }
.testimonials { min-height: 155px; position: relative; }
.testimonial-slide { display: none; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.testimonial-slide.active { display: grid; }
.quote-mark { font-size: 2.4rem; color: var(--red); line-height: 1; font-weight: 800; float: left; margin-right: 12px; }
.testimonial-panel p { font-size: .83rem; color: #172955; }
.testimonial-panel strong { font-size: .76rem; }
.slider-dots { display: flex; gap: 10px; justify-content: center; margin-top: 12px; }
.slider-dot { width: 9px; height: 9px; border: 0; padding: 0; border-radius: 50%; background: #b8bdc9; }
.slider-dot.active { background: var(--red); }
.quote-panel { background: linear-gradient(135deg, #001b51, #063178); color: #fff; padding: 22px 32px; border-radius: var(--radius); }
.quote-panel h3 { text-align: center; margin: 0; text-transform: uppercase; }
.quote-panel .rule { width: 34px; height: 3px; background: var(--red); margin: 8px auto; }
.quote-panel p { text-align: center; margin: 0 0 12px; font-size: .78rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px 14px; }
.form-control {
  width: 100%; border: 1px solid #cbd3df; border-radius: 6px;
  min-height: 42px; padding: 10px 13px; color: #24335a; background: #fff;
}
textarea.form-control { min-height: 84px; resize: vertical; }
.form-span-2 { grid-column: span 2; }
.form-note { text-align: center; font-size: .72rem; margin-top: 7px; opacity: .9; }
.form-success { display: none; margin-top: 10px; padding: 10px 12px; border-radius: 7px; background: rgba(255,255,255,.12); text-align: center; font-size: .83rem; }
.form-success.show { display: block; }

.page-hero__inner {
  position: relative; z-index: 4; min-height: 300px; display: flex; align-items: center; padding: 50px 0 65px;
}
.page-hero__content { width: min(480px, 46%); }
.page-hero h1 { font-size: clamp(2.2rem, 4.2vw, 3.35rem); }
.page-hero p { margin: 20px 0 0; font-size: 1rem; line-height: 1.75; font-weight: 500; }
.page-hero .heading-rule { margin: 16px 0 0; }
.page-hero.about .page-hero__image { background-image: url('assets/about-hero.jpg'); }
.page-hero.contact .page-hero__image { background-image: url('assets/contact-hero.jpg'); }

.story-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 64px; align-items: center; }
.eyebrow { color: var(--red); font-size: .82rem; font-weight: 800; text-transform: uppercase; margin-bottom: 6px; }
.story-copy h2, .why-copy h2 { margin: 0 0 14px; font-size: clamp(1.8rem, 3.2vw, 2.55rem); line-height: 1.12; }
.story-copy p { color: #1b2d57; font-size: .93rem; }
.story-image img { width: 100%; min-height: 315px; object-fit: cover; border-radius: 12px; }
.values-section { background: #f8fafe; border-block: 1px solid #eff2f7; }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.value-card { border: 0; box-shadow: none; background: transparent; padding: 12px 34px; text-align: center; border-right: 1px solid #dfe4ec; border-radius: 0; }
.value-card:last-child { border-right: 0; }
.value-card .icon-circle { margin: 0 auto 15px; }
.value-card h3 { font-size: .9rem; text-transform: uppercase; margin: 0 0 8px; }
.value-card p { font-size: .78rem; color: #4e5a72; }
.why-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: center; }
.check-list { list-style: none; padding: 0; margin: 20px 0 0; }
.check-list li { position: relative; padding-left: 30px; margin: 15px 0; color: #26365d; font-size: .9rem; }
.check-list li::before { content: '✓'; position: absolute; left: 0; top: 1px; width: 18px; height: 18px; display: grid; place-items: center; color: #fff; background: var(--red); border-radius: 50%; font-size: .7rem; font-weight: 800; }
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.stat-card { display: flex; gap: 18px; align-items: flex-start; padding: 20px; }
.stat-card .icon-circle { background: var(--red); }
.stat-card strong { display: block; font-size: 2rem; line-height: 1; }
.stat-card h4 { margin: 5px 0 8px; font-size: .82rem; }
.stat-card p { margin: 0; color: #536077; font-size: .74rem; }

.cta-banner {
  overflow: hidden; position: relative; color: #fff; border-radius: 0;
  background: linear-gradient(90deg, #001a4d, #052966);
}
.cta-banner__image { position: absolute; inset: 0 0 0 44%; background-size: cover; background-position: center; }
.cta-banner__image::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0,24,71,.9), rgba(0,24,71,.08)); }
.cta-banner.about-cta .cta-banner__image { background-image: url('assets/handshake.jpg'); }
.cta-banner.contact-cta .cta-banner__image { background-image: url('assets/family-car.jpg'); }
.cta-banner__inner { position: relative; z-index: 2; min-height: 170px; display: flex; align-items: center; padding-block: 28px; }
.cta-banner__copy { width: min(520px, 55%); }
.cta-banner h2 { margin: 0 0 10px; font-size: 1.55rem; }
.cta-banner p { margin: 0 0 18px; font-size: .88rem; max-width: 460px; }

.contact-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.info-card { text-align: center; padding: 24px 18px; min-height: 185px; }
.info-card .icon-circle { margin: 0 auto 14px; }
.info-card h3 { margin: 0 0 4px; font-size: .9rem; text-transform: uppercase; }
.info-card .primary { color: var(--red); font-weight: 700; display: block; margin: 6px 0; }
.info-card small { color: #5c6680; font-size: .74rem; }
.contact-main { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.panel { padding: 24px; }
.panel h2 { text-align: center; text-transform: uppercase; margin: 0; font-size: 1.25rem; }
.panel .heading-rule { margin-top: 8px; }
.panel .intro { text-align: center; font-size: .82rem; color: #4c5976; margin: 12px auto 20px; max-width: 480px; }
.contact-form .form-grid { gap: 12px; }
.contact-form textarea { min-height: 122px; }
.map-wrap { overflow: hidden; border-radius: 10px; border: 1px solid var(--line); }
.map-wrap img { width: 100%; height: 240px; object-fit: cover; }
.direction-box { margin-top: 16px; background: linear-gradient(135deg, #001a4d, #062c69); border-radius: 10px; color: #fff; padding: 20px; display: grid; grid-template-columns: auto 1fr; gap: 15px; align-items: start; }
.direction-box .icon-circle { background: transparent; width: 38px; height: 38px; flex-basis: 38px; font-size: 1.4rem; }
.direction-box h3 { margin: 0 0 4px; font-size: .98rem; text-transform: uppercase; }
.direction-box p { margin: 0 0 12px; font-size: .8rem; }
.direction-box .btn { padding: 10px 18px; font-size: .78rem; }

.site-footer { background: linear-gradient(90deg, #00153e, #06285f); color: #fff; }
.footer-main { display: grid; grid-template-columns: 1.15fr .75fr .95fr 1.15fr; gap: 50px; padding: 36px 0 26px; }
.footer-brand img { width: 95px; height: 76px; object-fit: contain; background: #fff; border-radius: 50%; margin-bottom: 9px; }
.footer-main p, .footer-main a, .footer-main li { font-size: .76rem; color: rgba(255,255,255,.92); }
.footer-main h4 { margin: 3px 0 12px; text-transform: uppercase; font-size: .9rem; }
.footer-main ul { list-style: none; padding: 0; margin: 0; }
.footer-main li { margin: 5px 0; }
.footer-main a:hover { color: #fff; text-decoration: underline; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.socials { display: flex; gap: 12px; margin-top: 12px; }
.socials a { width: 31px; height: 31px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.5); border-radius: 50%; font-size: 1rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.16); display: flex; justify-content: space-between; gap: 24px; padding: 15px 0; font-size: .7rem; color: rgba(255,255,255,.85); }
.footer-bottom__links { display: flex; gap: 20px; }

@media (max-width: 1150px) {
  .topbar__left { gap: 20px; }
  .navlinks { gap: 23px; }
  .quote-grid { grid-template-columns: repeat(4, 1fr); }
  .coverage-feature-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-main { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .topbar__inner { justify-content: center; min-height: 42px; }
  .topbar__left span:nth-child(3), .topbar__right { display: none; }
  .navbar { min-height: 78px; }
  .brand img { width: 90px; height: 68px; }
  .menu-toggle { display: block; }
  .nav-cta { display: none; }
  .navlinks {
    position: absolute; left: 0; right: 0; top: 78px;
    display: none; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; padding: 12px 24px 22px; border-top: 1px solid var(--line); box-shadow: 0 16px 30px rgba(0,26,77,.12);
  }
  .navlinks.open { display: flex; }
  .navlink, .dropdown-toggle { width: 100%; padding: 14px 0; text-align: left; }
  .navlink::after, .dropdown-toggle::after { bottom: 8px; right: auto; width: 40px; }
  .dropdown-menu { position: static; width: 100%; display: none; opacity: 1; transform: none; visibility: visible; box-shadow: none; border: 0; padding: 4px 0 8px 14px; }
  .dropdown.open .dropdown-menu { display: block; }
  .home-hero__image, .page-hero__image { left: 30%; }
  .home-hero__content { width: 66%; }
  .home-hero h1 { font-size: clamp(2.4rem, 7vw, 3.5rem); }
  .quote-grid { grid-template-columns: repeat(3, 1fr); }
  .split-row, .contact-main { grid-template-columns: 1fr; }
  .story-grid, .why-grid { grid-template-columns: 1fr; gap: 28px; }
  .story-image { order: -1; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .value-card:nth-child(2) { border-right: 0; }
  .value-card:nth-child(-n+2) { border-bottom: 1px solid #dfe4ec; }
  .contact-cards { grid-template-columns: repeat(2, 1fr); }
  .page-hero__content { width: 58%; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 28px, var(--max)); }
  .section { padding: 48px 0; }
  .topbar { display: none; }
  .site-header { top: 0; }
  .navbar { min-height: 72px; }
  .navlinks { top: 72px; }
  .home-hero__image, .page-hero__image { inset: 0; opacity: .55; }
  .home-hero__image::before, .page-hero__image::before { background: linear-gradient(90deg, rgba(0,24,71,.96), rgba(0,24,71,.72)); }
  .home-hero__inner { min-height: 410px; padding: 64px 0 82px; }
  .home-hero__content, .page-hero__content { width: 100%; }
  .home-hero h1 { font-size: clamp(2.3rem, 12vw, 3.3rem); }
  .coverage-feature-grid { grid-template-columns: 1fr; margin-top: -34px; }
  .quote-grid { grid-template-columns: repeat(2, 1fr); }
  .mini-card { padding: 12px; }
  .testimonial-slide.active { grid-template-columns: 1fr; }
  .testimonial-slide blockquote:nth-child(2) { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .form-span-2 { grid-column: auto; }
  .page-hero__inner { min-height: 330px; }
  .values-grid, .stats-grid, .contact-cards { grid-template-columns: 1fr; }
  .value-card { border-right: 0; border-bottom: 1px solid #dfe4ec; }
  .value-card:last-child { border-bottom: 0; }
  .cta-banner__image { inset: 0; opacity: .35; }
  .cta-banner__copy { width: 100%; }
  .footer-main { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 440px) {
  .quote-grid { grid-template-columns: 1fr; }
  .hero-actions .btn { width: 100%; }
  .contact-cards { gap: 14px; }
  .panel { padding: 18px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; animation: none !important; }
}


/* Get a Quote popup */
body.modal-open { overflow: hidden; }
.quote-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: grid;
  place-items: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .2s ease, visibility .2s ease;
}
.quote-modal.open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}
.quote-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0, 15, 48, .76);
  backdrop-filter: blur(5px);
  -webkit-backdrop-filter: blur(5px);
}
.quote-modal__dialog {
  position: relative;
  z-index: 1;
  width: min(760px, 100%);
  max-height: min(90vh, 840px);
  overflow: auto;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 30px 90px rgba(0, 14, 46, .34);
  transform: translateY(18px) scale(.985);
  transition: transform .22s ease;
  outline: none;
}
.quote-modal.open .quote-modal__dialog { transform: translateY(0) scale(1); }
.quote-modal__header {
  position: relative;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 27px 32px 24px;
  color: #fff;
  background:
    radial-gradient(circle at 84% 10%, rgba(227,19,25,.38), transparent 34%),
    linear-gradient(135deg, #001541, #063178);
}
.quote-modal__header::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 4px;
  background: var(--red);
}
.quote-modal__eyebrow {
  display: inline-block;
  margin-bottom: 5px;
  color: rgba(255,255,255,.78);
  font-size: .69rem;
  font-weight: 800;
  letter-spacing: .09em;
  text-transform: uppercase;
}
.quote-modal__header h2 {
  margin: 0;
  font-size: clamp(1.55rem, 3vw, 2.05rem);
  line-height: 1.1;
  text-transform: uppercase;
}
.quote-modal__header p {
  margin: 8px 0 0;
  max-width: 560px;
  color: rgba(255,255,255,.9);
  font-size: .88rem;
}
.quote-modal__close {
  flex: 0 0 38px;
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255,255,255,.34);
  border-radius: 50%;
  color: #fff;
  background: rgba(255,255,255,.08);
  font-size: 1.7rem;
  line-height: 1;
  transition: background .18s ease, transform .18s ease;
}
.quote-modal__close:hover,
.quote-modal__close:focus-visible { background: rgba(255,255,255,.18); transform: rotate(3deg); }
.quote-modal__form { padding: 27px 32px 29px; }
.quote-modal__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.quote-field { display: grid; gap: 7px; }
.quote-field > span {
  color: #1a2a55;
  font-size: .78rem;
  font-weight: 800;
}
.quote-field > span b { color: var(--red); }
.quote-field--full { grid-column: 1 / -1; }
.quote-modal .form-control {
  min-height: 46px;
  border-color: #d8deea;
  background: #fbfcfe;
}
.quote-modal .form-control:focus {
  outline: none;
  border-color: #17458e;
  box-shadow: 0 0 0 3px rgba(2, 39, 97, .11);
  background: #fff;
}
.quote-modal textarea.form-control { min-height: 96px; }
.quote-modal__submit { width: 100%; margin-top: 20px; min-height: 48px; }
.quote-modal__privacy {
  margin-top: 10px;
  text-align: center;
  color: #657089;
  font-size: .72rem;
}
.quote-modal .form-success {
  margin-top: 12px;
  color: #0f5132;
  background: #eaf7ef;
  border: 1px solid #ccebd8;
}
[data-quote-popup] { cursor: pointer; }

@media (max-width: 680px) {
  .quote-modal { padding: 12px; align-items: end; }
  .quote-modal__dialog {
    width: 100%;
    max-height: 92vh;
    border-radius: 16px 16px 8px 8px;
  }
  .quote-modal__header { padding: 22px 20px 20px; }
  .quote-modal__header p { font-size: .8rem; }
  .quote-modal__form { padding: 21px 20px 24px; }
  .quote-modal__grid { grid-template-columns: 1fr; gap: 13px; }
  .quote-field--full { grid-column: auto; }
}


/* Expanded multi-page website styles */
.btn--navy { background: var(--navy); color:#fff; box-shadow:0 10px 22px rgba(0,26,77,.16); }
.btn--navy:hover { background:var(--navy-2); transform:translateY(-1px); }
.eyebrow { display:inline-block; color:var(--red); font-size:.72rem; letter-spacing:.08em; text-transform:uppercase; font-weight:800; margin-bottom:9px; }
.eyebrow.light { color:#fff; opacity:.88; }
.lead { font-size:1.06rem; line-height:1.75; color:#27385e; }
.section-soft { background:linear-gradient(180deg,#f8faff,#f3f6fb); }
.section-navy { background:linear-gradient(135deg,#001541,#062d6b); color:#fff; }
.section-heading { max-width:760px; margin:0 auto 34px; text-align:center; }
.section-heading h2 { margin:0; font-size:clamp(1.8rem,3.2vw,2.55rem); line-height:1.12; }
.section-heading p { color:#60708e; margin:12px auto 0; max-width:670px; }
.section-heading--light p { color:rgba(255,255,255,.76); }
.section-heading--light h2 { color:#fff; }
.text-link { color:var(--red); font-weight:800; }
.text-link:hover { text-decoration:underline; }
.home-intro { display:grid; grid-template-columns:.85fr 1.15fr; gap:58px; align-items:start; padding-top:36px; }
.home-intro h2 { margin:0; font-size:clamp(1.75rem,3vw,2.4rem); line-height:1.15; }
.home-intro p { margin:0; color:#43506d; font-size:1rem; line-height:1.75; }
.quote-grid.expanded { grid-template-columns:repeat(4,1fr); }
.center-actions { display:flex; justify-content:center; margin-top:30px; }
.two-column-feature { display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center; }
.feature-copy h2,.story-layout h2,.community-grid h2,.faq-intro h2 { font-size:clamp(1.8rem,3vw,2.55rem); line-height:1.13; margin:0 0 16px; }
.feature-copy p,.story-layout p,.community-grid p,.faq-intro p { color:#536077; line-height:1.75; }
.check-list { list-style:none; padding:0; margin:24px 0 28px; display:grid; gap:13px; }
.check-list li { display:flex; align-items:flex-start; gap:12px; color:#28395e; }
.check-list .bi { width:24px; height:24px; flex:0 0 24px; display:grid; place-items:center; border-radius:50%; background:#eaf0fb; color:var(--red); font-size:.82rem; margin-top:1px; }
.feature-media { position:relative; }
.feature-media > img { width:100%; min-height:390px; max-height:520px; object-fit:cover; border-radius:18px; box-shadow:var(--shadow); }
.feature-media__note { position:absolute; left:28px; right:28px; bottom:24px; padding:18px 20px; color:#fff; background:rgba(0,25,74,.92); border-left:4px solid var(--red); border-radius:10px; box-shadow:0 14px 35px rgba(0,0,0,.2); }
.feature-media__note strong,.feature-media__note span { display:block; }
.feature-media__note strong { margin-bottom:4px; text-transform:uppercase; font-size:.8rem; }
.feature-media__note span { font-size:.83rem; color:rgba(255,255,255,.84); }
.process-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.process-grid article { background:#fff; border:1px solid var(--line); border-radius:14px; padding:25px; box-shadow:var(--shadow); }
.process-grid article > span { width:42px; height:42px; border-radius:50%; display:grid; place-items:center; background:var(--red); color:#fff; font-weight:900; margin-bottom:18px; }
.process-grid h3 { margin:0 0 8px; font-size:1rem; text-transform:uppercase; }
.process-grid p { color:#5f6d87; font-size:.88rem; margin:0; }
.process-grid.light article { background:rgba(255,255,255,.07); border-color:rgba(255,255,255,.12); box-shadow:none; }
.process-grid.light p { color:rgba(255,255,255,.74); }
.process-grid.light h3 { color:#fff; }
.bundle-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.bundle-grid article { border:1px solid var(--line); box-shadow:var(--shadow); border-radius:16px; padding:28px; }
.bundle-grid h3 { margin:18px 0 8px; }
.bundle-grid p { color:#5f6d87; }
.bundle-grid article > div { display:flex; gap:10px; flex-wrap:wrap; margin-top:18px; }
.bundle-grid article > div a { background:#f4f7fc; border:1px solid #e4e9f2; border-radius:999px; padding:7px 11px; font-size:.72rem; color:var(--navy); font-weight:800; }
.quick-form-panel { padding:32px; }
.quick-form-panel h2 { text-align:left; font-size:1.65rem; margin-bottom:10px; }
.quick-form-panel p { color:#5d6983; }
.quick-form-actions { display:flex; gap:12px; flex-wrap:wrap; margin:22px 0; }
.plain-list { list-style:none; padding:0; margin:20px 0 0; display:grid; gap:10px; }
.plain-list li { display:flex; gap:10px; align-items:center; font-weight:700; color:#27385e; }
.faq-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:64px; align-items:start; }
.faq-layout--wide { grid-template-columns:.62fr 1.38fr; }
.faq-intro { position:sticky; top:140px; }
.faq-list { display:grid; gap:12px; }
.faq-item { background:#fff; border:1px solid var(--line); border-radius:12px; box-shadow:0 8px 24px rgba(2,20,61,.05); overflow:hidden; }
.faq-item summary { cursor:pointer; list-style:none; padding:19px 52px 19px 20px; position:relative; font-weight:800; color:var(--ink); }
.faq-item summary::-webkit-details-marker { display:none; }
.faq-item summary::after { content:'+'; position:absolute; right:20px; top:50%; transform:translateY(-50%); width:28px; height:28px; display:grid; place-items:center; border-radius:50%; background:#f1f4f9; color:var(--red); font-size:1.2rem; }
.faq-item[open] summary::after { content:'−'; }
.faq-answer { padding:0 20px 20px; color:#5b6882; }
.faq-answer p { margin:0; line-height:1.7; }
.cta-wide { display:flex; justify-content:space-between; align-items:center; gap:32px; padding:38px 42px; border-radius:18px; background:linear-gradient(120deg,#001541,#063278); color:#fff; box-shadow:0 20px 50px rgba(0,26,77,.2); overflow:hidden; position:relative; }
.cta-wide::after { content:''; position:absolute; width:300px; height:300px; border-radius:50%; right:-110px; top:-150px; background:rgba(227,19,25,.22); }
.cta-wide > * { position:relative; z-index:1; }
.cta-wide h2 { margin:0 0 6px; font-size:clamp(1.7rem,3vw,2.3rem); }
.cta-wide p { margin:0; color:rgba(255,255,255,.8); }
.cta-wide__actions { display:flex; gap:12px; flex-wrap:wrap; flex:0 0 auto; }

/* Coverage detail pages */
.detail-hero { position:relative; overflow:hidden; color:#fff; background:var(--navy); }
.detail-hero::after { content:''; position:absolute; left:-3%; right:-3%; bottom:-20px; height:32px; background:var(--red); transform:rotate(-2.7deg); z-index:3; }
.detail-hero__image { position:absolute; inset:0 0 0 43%; background-size:cover; background-position:center; }
.detail-hero__image::before { content:''; position:absolute; inset:0; background:linear-gradient(90deg,rgba(0,22,66,.98),rgba(0,25,74,.56) 35%,rgba(0,25,74,.12)); }
.detail-hero__inner { min-height:380px; display:flex; align-items:center; position:relative; z-index:4; padding:68px 0 88px; }
.detail-hero__copy { width:min(650px,58%); }
.detail-hero h1 { margin:0; font-size:clamp(2.6rem,5vw,4.4rem); text-transform:uppercase; letter-spacing:.01em; line-height:.98; }
.detail-hero p { margin:18px 0 24px; max-width:590px; font-size:1.08rem; color:rgba(255,255,255,.9); }
.detail-intro { display:grid; grid-template-columns:1.35fr .65fr; gap:55px; align-items:start; }
.detail-intro h2 { margin:0; font-size:clamp(1.9rem,3vw,2.6rem); line-height:1.14; }
.detail-intro > div > p:not(.lead) { color:#536077; line-height:1.75; }
.quick-quote-card { border:1px solid var(--line); border-radius:16px; padding:28px; box-shadow:var(--shadow); background:#fff; position:sticky; top:130px; }
.quick-quote-card h3 { margin:18px 0 8px; font-size:1.35rem; }
.quick-quote-card p { color:#5b6882; }
.quick-quote-card .btn { width:100%; margin:10px 0 16px; }
.quick-quote-card .text-link { display:block; text-align:center; }
.detail-card-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.detail-card { background:#fff; border:1px solid var(--line); border-radius:15px; padding:26px; box-shadow:0 10px 28px rgba(2,20,61,.06); }
.detail-card__number { color:var(--red); font-size:.72rem; font-weight:900; letter-spacing:.08em; }
.detail-card h3 { margin:10px 0 8px; font-size:1.04rem; }
.detail-card p { color:#5c6881; margin:0; font-size:.88rem; line-height:1.65; }
.tips-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:18px; }
.tip-row { display:grid; grid-template-columns:auto 1fr; gap:16px; padding:24px; border:1px solid rgba(255,255,255,.13); background:rgba(255,255,255,.07); border-radius:14px; }
.tip-icon { width:42px; height:42px; display:grid; place-items:center; border-radius:50%; background:var(--red); color:#fff; }
.tip-row h3 { margin:0 0 7px; font-size:1rem; }
.tip-row p { margin:0; color:rgba(255,255,255,.74); font-size:.86rem; line-height:1.65; }
.coverage-card-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.coverage-card { display:flex; gap:16px; padding:24px; border:1px solid var(--line); border-radius:14px; background:#fff; box-shadow:var(--shadow); }
.coverage-card .icon-circle { width:48px; height:48px; flex-basis:48px; font-size:1.2rem; }
.coverage-card h3 { margin:0 0 7px; font-size:.98rem; }
.coverage-card p { margin:0 0 13px; color:#647089; font-size:.82rem; line-height:1.55; }
.legal-note,.legal-banner { margin:0 0 20px; background:#fff8e8; border:1px solid #f2dfac; border-left:4px solid #d69d00; border-radius:10px; padding:16px 18px; color:#5b4b1f; font-size:.8rem; line-height:1.6; }
.story-layout { display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.values-modern { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.values-modern article { text-align:center; background:#fff; border:1px solid var(--line); border-radius:14px; padding:26px 20px; box-shadow:var(--shadow); }
.values-modern .icon-circle { margin:0 auto 15px; }
.values-modern h3 { margin:0 0 8px; text-transform:uppercase; font-size:.95rem; }
.values-modern p { margin:0; color:#5d6983; font-size:.84rem; }
.community-grid { display:grid; grid-template-columns:1fr 1fr; gap:54px; align-items:center; }
.contact-inline { display:flex; flex-wrap:wrap; gap:18px; margin-top:20px; }
.contact-cards.modern { grid-template-columns:repeat(4,1fr); gap:18px; }
.contact-cards.modern .info-card { padding:26px 20px; }
.resource-teasers { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.resource-teasers > a { display:flex; gap:16px; padding:24px; background:#fff; border:1px solid var(--line); border-radius:14px; box-shadow:var(--shadow); }
.resource-teasers h3 { margin:0 0 5px; }
.resource-teasers p { margin:0; color:#5e6a84; font-size:.83rem; }
.resource-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.resource-card { padding:30px; border:1px solid var(--line); border-radius:16px; box-shadow:var(--shadow); background:#fff; }
.resource-card .icon-circle { margin-bottom:20px; }
.resource-card h2 { margin:0 0 10px; font-size:1.45rem; }
.resource-card p { color:#5e6a84; line-height:1.7; min-height:84px; }
.prose { max-width:920px; }
.prose h2 { font-size:1.45rem; margin:34px 0 10px; }
.prose p { color:#536077; line-height:1.78; }

/* Larger coverage mega-menu */
.coverage-menu { width:560px; display:grid; grid-template-columns:repeat(2,1fr); gap:2px 8px; }
.coverage-menu .dropdown-menu__all { grid-column:1/-1; background:#f3f6fb; color:var(--red); font-weight:900; }
.dropdown-toggle.active::after { transform:scaleX(1); }

@media (max-width:1150px) {
  .quote-grid.expanded { grid-template-columns:repeat(3,1fr); }
  .coverage-card-grid { grid-template-columns:repeat(3,1fr); }
  .process-grid { grid-template-columns:repeat(2,1fr); }
  .values-modern { grid-template-columns:repeat(2,1fr); }
}
@media (max-width:900px) {
  .coverage-menu { width:100%; display:none; grid-template-columns:1fr 1fr; }
  .dropdown.open .coverage-menu { display:grid; }
  .home-intro,.two-column-feature,.story-layout,.community-grid,.detail-intro,.faq-layout,.faq-layout--wide { grid-template-columns:1fr; gap:34px; }
  .feature-media { order:-1; }
  .detail-hero__copy { width:72%; }
  .detail-card-grid { grid-template-columns:repeat(2,1fr); }
  .coverage-card-grid { grid-template-columns:repeat(2,1fr); }
  .faq-intro,.quick-quote-card { position:static; }
  .bundle-grid,.resource-grid,.resource-teasers { grid-template-columns:1fr; }
  .contact-cards.modern { grid-template-columns:repeat(2,1fr); }
}
@media (max-width:680px) {
  .detail-hero__image { inset:0; opacity:.55; }
  .detail-hero__image::before { background:linear-gradient(90deg,rgba(0,22,66,.96),rgba(0,22,66,.72)); }
  .detail-hero__copy { width:100%; }
  .detail-hero__inner { min-height:420px; padding:62px 0 86px; }
  .detail-hero h1 { font-size:clamp(2.35rem,11vw,3.45rem); }
  .quote-grid.expanded { grid-template-columns:1fr 1fr; }
  .detail-card-grid,.tips-grid,.coverage-card-grid,.values-modern,.contact-cards.modern { grid-template-columns:1fr; }
  .process-grid { grid-template-columns:1fr; }
  .home-intro { padding-top:28px; }
  .feature-media > img { min-height:300px; }
  .feature-media__note { position:static; margin-top:12px; }
  .cta-wide { flex-direction:column; align-items:flex-start; padding:30px 24px; }
  .cta-wide__actions,.cta-wide__actions .btn { width:100%; }
  .coverage-menu { grid-template-columns:1fr; }
  .resource-card p { min-height:0; }
}
@media (max-width:440px) {
  .quote-grid.expanded { grid-template-columns:1fr; }
  .coverage-card { flex-direction:column; }
}