:root{--ink:#0f1f2e;--ink2:#3d4f60;--muted:#56687a;--line:#dfe6ec;--field:#8494a3;--bg:#fff;--soft:#f3f7f9;--brand:#0b6e5f;--brand-d:#08594d;--brand-soft:#e3f3ef;--accent:#f2b705;--bad:#b42318;--r:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:76px}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
[hidden]{display:none!important}
a{color:var(--brand)}
a:hover{color:var(--brand-d)}
:focus-visible{outline:3px solid var(--brand);outline-offset:2px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(1.75rem,4vw,2.5rem)}
h2{font-size:clamp(1.3rem,2.6vw,1.6rem);margin-top:0}
h3{font-size:1.05rem}
.wrap{max-width:1140px;margin:0 auto;padding:0 16px}
.muted{color:var(--muted)}.small{font-size:.85rem}
/* header */
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.top-in{display:flex;align-items:center;justify-content:space-between;height:60px;gap:12px}
.logo{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:1.15rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em;white-space:nowrap}
.logo b{color:var(--brand)}
.logo svg{width:24px;height:24px;color:var(--brand)}
.top-nav{display:flex;align-items:center;gap:18px}
.top-nav a:not(.btn){color:var(--ink2);text-decoration:none;font-size:.95rem}
@media (max-width:640px){.top-nav a:not(.btn){display:none}}
/* buttons */
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:13px 20px;font:600 1rem/1.2 inherit;text-decoration:none;cursor:pointer;text-align:center}
.btn:hover{background:var(--brand-d);color:#fff}
.btn:disabled{opacity:.7;cursor:progress}
.btn-sm{padding:9px 14px;font-size:.92rem}
.btn-block{width:100%;padding:15px}
.linkish{background:none;border:0;color:var(--ink2);font:inherit;font-size:.92rem;text-decoration:underline;cursor:pointer;padding:10px 4px;margin-top:4px}
/* breadcrumbs */
.crumbs{max-width:1140px;margin:0 auto;padding:12px 16px 0;font-size:.85rem;color:var(--muted)}
.crumbs a{color:var(--muted)}
/* hero: on phones the form comes right after the H1 and price */
.hero{background:linear-gradient(180deg,var(--soft),#fff);padding:26px 0 36px}
.hero-slim{padding:26px 0 18px}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;grid-template-rows:auto 1fr;grid-template-areas:"head form" "more form";column-gap:40px;align-items:start}
.hero-head{grid-area:head;margin-bottom:16px}.hero-form{grid-area:form}.hero-more{grid-area:more}
@media (max-width:900px){.hero-in{grid-template-columns:1fr;grid-template-rows:auto;grid-template-areas:"head" "form" "more"}.hero-more{margin-top:22px}}
.lead{font-size:1.1rem;color:var(--ink2);max-width:60ch}
.ticks{list-style:none;padding:0;margin:14px 0}
.ticks li{padding-left:28px;position:relative;margin:6px 0}
.ticks li:before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:var(--brand-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%230b6e5f' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.ticks-lines li{padding:7px 0 7px 28px;margin:0;border-bottom:1px dashed var(--line)}
.ticks-lines li:before{top:10px}
.hero-price{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:12px 14px;max-width:60ch;margin:0 0 4px}
/* quote form */
.rfp{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:0 10px 30px rgba(15,31,46,.08)}
.rfp-h{font-size:1.3rem;margin:0}
.rfp-sub{margin:4px 0 12px;color:var(--muted);font-size:.92rem}
.rfp label{display:block;font-size:.88rem;font-weight:600;color:var(--ink2);margin:0 0 12px}
.rfp .opt{font-weight:400;color:var(--muted)}
.rfp input,.rfp select,.rfp textarea{display:block;width:100%;margin-top:4px;padding:10px 12px;min-height:46px;border:1px solid var(--field);border-radius:9px;font:inherit;font-size:16px;font-weight:400;color:var(--ink);background:#fff}
.rfp textarea{min-height:0;resize:vertical}
.rfp input:focus,.rfp select:focus,.rfp textarea:focus{outline:2px solid var(--brand);outline-offset:0;border-color:var(--brand)}
.rfp [aria-invalid=true]{border-color:var(--bad);box-shadow:0 0 0 1px var(--bad)}
.rfp .row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media (max-width:420px){.rfp .row{grid-template-columns:1fr;gap:0}}
.rfp fieldset{border:0;margin:0;padding:0;min-width:0}
.rfp .hint{font-size:.85rem;color:var(--muted);margin:-6px 0 12px}
.rfp .err{color:var(--bad);font-size:.92rem;font-weight:600;margin:10px 0 0}
.rfp .err:empty{display:none}
.rfp .note{margin:0 0 12px}
.rfp .note summary{cursor:pointer;font-size:.9rem;font-weight:600;color:var(--ink2);padding:6px 0}
.rfp .note textarea{margin-top:6px}
.consent{font-size:.8rem;color:var(--ink2);margin:0 0 12px;line-height:1.45}
.rfp-trust{font-size:.82rem;color:var(--muted);margin:12px 0 0;padding-top:10px;border-top:1px solid var(--line)}
.rfp-progress{display:none;list-style:none;padding:0;margin:0 0 14px;gap:8px;counter-reset:st}
.rfp-progress li{counter-increment:st;flex:1;font-size:.8rem;font-weight:600;color:var(--muted);border-top:3px solid var(--line);padding-top:6px}
.rfp-progress li:before{content:counter(st) ". "}
.rfp-progress li.on{color:var(--brand);border-color:var(--brand)}
.rfp.js .rfp-progress{display:flex}
.rfp.js .step2{display:none}
.rfp.js.s2 .step1{display:none}
.rfp.js.s2 .step2{display:block}
.rfp:not(.js) .js-next,.rfp:not(.js) .js-back{display:none}
.rfp:not(.js) .step2{margin-top:8px;padding-top:12px;border-top:1px solid var(--line)}
/* content */
.prose section{padding:28px 0;border-bottom:1px solid var(--line)}
.prose section:last-child{border-bottom:0}
.prose p{max-width:75ch}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--ink2)}
tr:last-child td{border-bottom:0}
.num{text-align:right;font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap}
th.num{font-weight:700}
.tbl .sub{display:block;font-size:.85rem;font-weight:400;color:var(--muted)}
.note{font-size:.85rem;color:var(--muted);margin-top:10px}
.compare{margin:12px 0 0;color:var(--ink2)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media (max-width:700px){.two{grid-template-columns:1fr}}
.list{padding-left:0;list-style:none;margin:8px 0}
.list li{padding:6px 0 6px 26px;position:relative;border-bottom:1px dashed var(--line)}
.list li:before{content:"";position:absolute;left:6px;top:15px;width:7px;height:7px;border-radius:50%;background:var(--brand)}
.facts{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:10px}
.facts li{background:var(--soft);border-radius:12px;padding:14px 16px}
.facts b{font-size:1.15rem;color:var(--ink)}
.rfp-outline li{margin:8px 0}
.qa dt{font-weight:700;margin-top:12px}
.qa dd{margin:2px 0 0;color:var(--ink2)}
.zips{font-variant-numeric:tabular-nums;color:var(--ink2)}
.more-zips{margin:-6px 0 14px}.more-zips summary{cursor:pointer;color:var(--brand);font-size:.92rem;padding:4px 0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.chip{border:1px solid var(--line);border-radius:999px;padding:8px 12px;text-decoration:none;font-size:.9rem;background:#fff}
.chip small{color:var(--muted)}
.chip-text{color:var(--ink2);background:var(--soft)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.steps-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps,.steps-3{grid-template-columns:1fr}}
.steps li{counter-increment:s;background:var(--soft);border-radius:12px;padding:16px}
.steps li:before{content:counter(s);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:8px}
.faq details{border:1px solid var(--line);border-radius:10px;margin:8px 0;background:#fff}
.faq summary{font-weight:600;cursor:pointer;padding:14px 16px}
.faq p{margin:0;padding:0 16px 14px;color:var(--ink2)}
.guides-line{font-size:.92rem;color:var(--ink2);margin-top:14px}
.cta-band{background:var(--brand-soft);border-radius:16px;padding:26px 22px!important;margin:24px 0;border:0!important;text-align:center}
.cta-band h2{margin-bottom:6px}
.cta-band p{margin:0 auto 14px;color:var(--ink2)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.card-link{display:block;border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;font-weight:700;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.card-link span{display:block;font-weight:400;font-size:.88rem;color:var(--muted);margin-top:2px}
.card-link:hover{border-color:var(--brand);box-shadow:0 4px 14px rgba(11,110,95,.1)}
.city-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:2px 16px;margin-bottom:12px}
.city-grid a{text-decoration:none;padding:5px 0}
.filter{display:block;max-width:420px;margin:0 0 16px;font-size:.88rem;font-weight:600;color:var(--ink2)}
.filter input{display:block;width:100%;margin-top:4px;padding:10px 12px;min-height:46px;border:1px solid var(--field);border-radius:9px;font:inherit;font-size:16px;font-weight:400}
.narrow{max-width:560px}
/* footer */
.foot{background:#0f1f2e;color:#c9d6e0;padding:36px 0 24px;margin-top:20px}
.foot a{color:#e6eef4;text-decoration:none}
.foot .muted{color:#a9b9c6}
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}
@media (max-width:800px){.foot-grid{grid-template-columns:1fr}}
.logo-foot{color:#fff;margin:0 0 8px}
.logo-foot b{color:#5fd3bf}
.foot-h{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#a9b9c6;margin:18px 0 8px}
.foot-links{display:flex;flex-wrap:wrap;gap:2px 16px;font-size:.9rem}
.foot-links a{padding:5px 0}
.foot-states{font-size:.84rem}