:root{--navy:#10263f;--blue:#1479b8;--gold:#f5a623;--light:#f5f8fb;--ink:#1c2733}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--blue)}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5;box-shadow:0 2px 12px #0003}.top{max-width:1180px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:12px 20px;gap:18px}.brand{font-size:1.35rem;font-weight:800;color:#fff;text-decoration:none}.phone{background:var(--gold);color:#15202b;text-decoration:none;padding:10px 15px;border-radius:999px;font-weight:800}nav{background:#0b1c2e}nav .inner{max-width:1180px;margin:auto;display:flex;flex-wrap:wrap;padding:0 15px}nav a{color:#fff;text-decoration:none;padding:12px 14px;font-weight:700}nav a:hover{background:#173c60}.hero{min-height:500px;background:linear-gradient(90deg,#071727e8,#07172770),url('images/95125598d486e4d25e5752b6cee31b9f5c5ac15.jpg') center/cover;display:flex;align-items:center;color:#fff}.hero.sub{min-height:310px}.wrap{max-width:1180px;margin:auto;padding:55px 22px}.hero .wrap{width:100%}.hero h1{font-size:clamp(2.2rem,5vw,4.6rem);line-height:1.05;margin:0 0 18px;max-width:850px}.hero p{font-size:1.25rem;max-width:760px}.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.btn{display:inline-block;background:var(--gold);color:#17212c;text-decoration:none;padding:13px 20px;border-radius:7px;font-weight:800}.btn.alt{background:#fff;color:var(--navy)}section.alt{background:var(--light)}h2{font-size:clamp(1.7rem,3vw,2.6rem);color:var(--navy);line-height:1.2}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid #dce5ee;border-radius:12px;padding:24px;box-shadow:0 8px 25px #18324a12}.check{padding-left:20px}.check li{margin:8px 0}.quote-band{background:var(--blue);color:#fff;text-align:center}.quote-band h2{color:#fff}.quote-frame{width:100%;min-height:1150px;border:0;background:#fff;border-radius:12px}.states{columns:4;column-gap:28px}.states a{display:block;padding:4px 0}.crumb{font-size:.92rem;margin-bottom:15px}.notice{background:#fff6df;border-left:5px solid var(--gold);padding:16px}footer{background:#071727;color:#dfe9f2}.foot{max-width:1180px;margin:auto;padding:45px 22px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}footer a{color:#fff}.copyright{text-align:center;border-top:1px solid #ffffff22;padding:18px}.floating{position:fixed;right:18px;bottom:18px;background:var(--gold);color:#111;text-decoration:none;padding:14px 18px;border-radius:999px;font-weight:900;box-shadow:0 8px 25px #0004;z-index:7}@media(max-width:800px){.grid{grid-template-columns:1fr}.states{columns:2}.foot{grid-template-columns:1fr}.top{align-items:flex-start}.hero{min-height:430px}nav .inner{justify-content:center}.phone{font-size:.9rem}}