/* Original visual design. Mobile-first defaults; wider layouts below. */
:root {
  --forest: #00adef;
  --forest-2: #00749f;
  --leaf: #00adef;
  --lime: #85dcfa;
  --ink: #24323b;
  --muted: #5d707d;
  --cream: #f2faff;
  --paper: #fff;
  --line: #d4eaf5;
  --blue: #00749f;
  --shadow: 0 20px 55px rgba(0,109,151,.13);
  font-family: Arial,"Helvetica Neue",sans-serif;
  color: var(--ink);
  background: var(--cream);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--cream);
  font-size: 16px;
  line-height: 1.65;
}

a {
  color: var(--forest-2);
}

img {
  max-width: 100%;
  display: block;
}

.shell {
  width: min(100% - 28px,1180px);
  margin: auto;
}

.skip-link {
  position: fixed;
  top: -60px;
  left: 20px;
  z-index: 100;
  background: #fff;
  padding: 10px 16px;
}

.skip-link:focus {
  top: 10px;
}

.topbar {
  background: #005b7e;
  color: #eaf8ff;
  font-size: .88rem;
}

.topbar .shell {
  min-height: 39px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 20px;
}

.topbar a {
  color: #fff;
  text-decoration: none;
  font-weight: 700;
}

.site-header {
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  position: relative;
  top: 0;
  z-index: 50;
}

.header-inner {
  min-height: 91px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.brand {
  width: 210px;
  flex: 0 0 auto;
}

.brand img {
  width: 100%;
  max-height: 70px;
  object-fit: contain;
}

.header-inner nav {
  display: none;
  align-items: stretch;
  justify-content: center;
  gap: 6px;
  flex: 1;
  order: 3;
  width: 100%;
  flex-direction: column;
  padding-bottom: 18px;
}

.header-inner nav a {
  color: var(--ink);
  text-decoration: none;
  font-weight: 700;
  font-size: .9rem;
  padding: 10px 8px;
  border-radius: 8px;
}

.header-inner nav a:hover {
  background: #eaf8ff;
  color: #00749f;
}

.header-inner nav a:focus {
  background: #eaf8ff;
  color: #00749f;
}

.header-cta {
  display: none;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--leaf);
  color: #073348;
  text-decoration: none;
  font-weight: 800;
  padding: 12px 20px;
  border: 0;
  cursor: pointer;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--leaf);
  color: #073348;
  text-decoration: none;
  font-weight: 800;
  padding: 12px 20px;
  border: 0;
  cursor: pointer;
}

.header-cta:hover {
  background: var(--lime);
}

.btn:hover {
  background: var(--lime);
}

.menu-toggle {
  display: block;
  background: #00749f;
  color: #fff;
  border: 0;
  border-radius: 8px;
  padding: 10px 14px;
  font-weight: 700;
  margin-left: auto;
}

.hero {
  background: linear-gradient(125deg,var(--forest) 0 58%,#66cef5 58%);
  color: #fff;
  overflow: hidden;
}

.hero-grid {
  min-height: auto;
  display: grid;
  grid-template-columns: 1fr;
  align-items: center;
  gap: 35px;
  padding: 70px 0;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: .14em;
  font-weight: 800;
  font-size: .8rem;
  color: #00749f;
}

.hero h1 {
  font-family: Georgia,serif;
  font-size: clamp(2.8rem,5.5vw,5rem);
  line-height: 1.02;
  margin: .25em 0;
}

.hero p {
  font-size: 1.16rem;
  max-width: 620px;
  color: #073348;
}

.hero-actions {
  display: flex;
  gap: 13px;
  flex-wrap: wrap;
  margin-top: 28px;
}

.btn.alt {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,.55);
}

.hero-media {
  position: relative;
  max-width: 700px;
}

.hero-media>img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  border-radius: 38% 8px 38% 8px;
  box-shadow: var(--shadow);
}

.hero-note {
  position: relative;
  left: 15px;
  bottom: 35px;
  background: #fff;
  color: var(--ink);
  width: 255px;
  padding: 20px;
  border-left: 6px solid var(--leaf);
  box-shadow: var(--shadow);
}

.hero-note strong {
  display: block;
  font-size: 1.1rem;
}

.section {
  padding: 60px 0;
}

.section-head {
  max-width: 720px;
  margin-bottom: 34px;
}

.section-head h2 {
  font: 700 clamp(2rem,4vw,3.2rem)/1.08 Georgia,serif;
  color: #00749f;
  margin: .15em 0;
}

.section-head p {
  color: var(--muted);
  font-size: 1.06rem;
}

.plan-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

.plan-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 8px 28px rgba(0,109,151,.06);
  display: flex;
  flex-direction: column;
}

.plan-card img {
  height: 165px;
  width: 100%;
  object-fit: cover;
}

.plan-card div {
  padding: 22px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.plan-card h3 {
  color: #00749f;
  margin: 0 0 8px;
  font-size: 1.15rem;
}

.plan-card p {
  color: var(--muted);
  font-size: .94rem;
  flex: 1;
}

.plan-card a {
  font-weight: 800;
  text-decoration: none;
}

.why {
  background: #e1f5fd;
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 56px;
  align-items: center;
}

.why-copy h2 {
  font: 700 clamp(2.2rem,4vw,3.5rem)/1.05 Georgia,serif;
  color: #00749f;
}

.why-points {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

.why-point {
  background: #fff;
  padding: 25px;
  border-radius: 16px;
  border-top: 5px solid var(--leaf);
}

.why-point h3 {
  margin: 0 0 8px;
  color: #00749f;
}

.directory-hero {
  padding: 68px 0 48px;
  background: linear-gradient(120deg,var(--forest),#66cef5);
  color: #fff;
}

.directory-hero h1 {
  font: 700 clamp(2.4rem,5vw,4.3rem)/1.08 Georgia,serif;
  margin: .2em 0;
}

.article-hero h1 {
  font: 700 clamp(2.4rem,5vw,4.3rem)/1.08 Georgia,serif;
  margin: .2em 0;
}

.directory {
  padding: 55px 0 85px;
}

.directory-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

.directory-card {
  display: block;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px;
  text-decoration: none;
  box-shadow: 0 5px 20px rgba(0,109,151,.05);
}

.directory-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.directory-card span {
  display: block;
  color: #00749f;
  text-transform: uppercase;
  letter-spacing: .1em;
  font-size: .75rem;
  font-weight: 800;
}

.directory-card strong {
  display: block;
  color: #00749f;
  font: 700 1.3rem/1.25 Georgia,serif;
  margin-top: 7px;
}

.article-hero {
  padding: 45px 0;
  background: #e1f5fd;
}

.breadcrumbs {
  font-size: .88rem;
  color: var(--muted);
}

.breadcrumbs a {
  text-decoration: none;
  font-weight: 700;
}

.article-shell {
  display: grid;
  grid-template-columns: 1fr;
  gap: 55px;
  padding: 58px 0 90px;
}

.article-body {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 24px;
  box-shadow: 0 8px 30px rgba(0,109,151,.06);
}

.article-body h1 {
  font-family: Georgia,serif;
  color: #00749f;
  line-height: 1.2;
}

.article-body h2 {
  font-family: Georgia,serif;
  color: #00749f;
  line-height: 1.2;
}

.article-body h3 {
  font-family: Georgia,serif;
  color: #00749f;
  line-height: 1.2;
  font-size: 1.9rem;
}

.article-body h4 {
  font-family: Georgia,serif;
  color: #00749f;
  line-height: 1.2;
}

.article-body h5 {
  font-family: Georgia,serif;
  color: #00749f;
  line-height: 1.2;
  font-size: 1.2rem;
}

.article-body p {
  font-size: 1.03rem;
}

.article-body li {
  font-size: 1.03rem;
}

.article-body img {
  border-radius: 14px;
  margin: 24px auto;
}

.article-body a {
  font-weight: 700;
}

.article-aside {
  align-self: start;
  position: static;
  top: 125px;
}

.article-aside h2 {
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--muted);
}

.article-aside a {
  display: block;
  padding: 11px 0;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  font-weight: 700;
}

.offline-note {
  margin-top: 25px;
  background: #fff7dd;
  border: 1px solid #ead58e;
  border-radius: 12px;
  padding: 18px;
  color: #5b4a16;
}

.quote-panel {
  background: #fff;
  border-radius: 20px;
  padding: 35px;
  box-shadow: var(--shadow);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

.form-grid label {
  font-weight: 700;
}

.form-grid input {
  display: block;
  width: 100%;
  margin-top: 6px;
  padding: 13px;
  border: 1px solid #b6d6e5;
  border-radius: 9px;
  font: inherit;
}

.form-grid textarea {
  display: block;
  width: 100%;
  margin-top: 6px;
  padding: 13px;
  border: 1px solid #b6d6e5;
  border-radius: 9px;
  font: inherit;
}

.form-grid select {
  display: block;
  width: 100%;
  margin-top: 6px;
  padding: 13px;
  border: 1px solid #b6d6e5;
  border-radius: 9px;
  font: inherit;
}

.form-grid .full {
  grid-column: auto;
}

footer {
  background: #073b50;
  color: #e0f2fb;
  padding: 64px 0 25px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 50px;
}

.footer-logo {
  width: 250px;
  background: #fff;
  padding: 10px;
  border-radius: 8px;
}

.footer-grid h2 {
  color: #85dcfa;
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: .1em;
}

.footer-grid a {
  color: #fff;
}

.legal {
  border-top: 1px solid rgba(255,255,255,.15);
  margin-top: 40px;
  padding-top: 22px;
  font-size: .78rem;
  color: #b3d5e5;
}

.empty {
  padding: 100px 20px;
  text-align: center;
}

.empty h1 {
  font-family: Georgia,serif;
  color: #00749f;
}

.header-inner nav.open {
  display: flex;
}

.topbar span {
  display: none;
}

.checks {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 8px 18px;
}

.checks legend {
  font-weight: 800;
  padding: 0 8px;
}

.checks label {
  font-weight: 400;
}

.checks input {
  display: inline;
  width: auto;
  margin: 0 7px 0 0;
}

.consent input {
  display: inline;
  width: auto;
  margin: 0 7px 0 0;
}

.consent {
  display: flex;
  align-items: center;
}

.fine-print {
  font-size: .82rem;
  color: var(--muted);
  margin: 0;
}

.carrier-section {
  background: #fff;
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 18px;
  align-items: center;
}

.carrier-grid img {
  width: 100%;
  height: 92px;
  object-fit: contain;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px;
  background: #fff;
}

@media (min-width: 541px) {
.carrier-grid {
  grid-template-columns: repeat(3,1fr);
}
}

@media (min-width: 641px) {
.shell {
  width: min(1180px,calc(100% - 40px));
}

.topbar .shell {
  justify-content: space-between;
}

.site-header {
  position: sticky;
}

.brand {
  width: 245px;
}

.hero-grid {
  min-height: 590px;
  gap: 55px;
}

.hero-media>img {
  height: 455px;
}

.hero-note {
  position: absolute;
  left: -35px;
  bottom: 28px;
}

.section {
  padding: 82px 0;
}

.plan-grid {
  grid-template-columns: 1fr 1fr;
}

.why-points {
  grid-template-columns: 1fr 1fr;
}

.directory-grid {
  grid-template-columns: 1fr 1fr;
}

.article-hero {
  padding: 64px 0;
}

.article-body {
  padding: clamp(25px,5vw,52px);
}

.form-grid {
  grid-template-columns: 1fr 1fr;
}

.form-grid .full {
  grid-column: 1/-1;
}

.footer-grid {
  grid-template-columns: 1.2fr .8fr 1fr;
}

.topbar span {
  display: initial;
}

.checks {
  grid-template-columns: repeat(2,1fr);
}
}

@media (min-width: 901px) {
.carrier-grid {
  grid-template-columns: repeat(5,1fr);
}
}

@media (min-width: 1001px) {
.header-inner {
  flex-wrap: initial;
}

.header-inner nav {
  display: flex;
  align-items: center;
  order: initial;
  width: initial;
  flex-direction: initial;
  padding-bottom: initial;
}

.header-cta {
  display: inline-flex;
}

.menu-toggle {
  display: none;
  margin-left: initial;
}

.hero-grid {
  grid-template-columns: 1.05fr .95fr;
  padding: initial;
}

.hero-media {
  max-width: initial;
}

.plan-grid {
  grid-template-columns: repeat(4,1fr);
}

.why-grid {
  grid-template-columns: .8fr 1.2fr;
}

.directory-grid {
  grid-template-columns: repeat(3,1fr);
}

.article-shell {
  grid-template-columns: minmax(0,760px) 270px;
}

.article-aside {
  position: sticky;
}

.header-inner nav.open {
  display: initial;
}
}

/* Intrinsic sizing prevents long article content from widening the viewport. */
img { height: auto; }
.hero-grid > *, .plan-grid > *, .why-grid > *, .directory-grid > *,
.article-shell > *, .footer-grid > *, .form-grid > * { min-width: 0; }
.article-body, .directory-card, .article-hero h1 { overflow-wrap: anywhere; }
.article-body iframe, .article-body video { max-width: 100%; }
.article-body table { display: block; max-width: 100%; overflow-x: auto; }
fieldset { min-inline-size: 0; }
input, textarea, select { min-width: 0; max-width: 100%; }
button, .header-inner nav a { min-height: 44px; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }
/* Navigation stays available when JavaScript is disabled. */
.menu-toggle { display: none; }
.header-inner nav { display: flex; }
.js .menu-toggle { display: block; }
.js .header-inner nav { display: none; }
.js .header-inner nav.open { display: flex; }
@media (min-width: 1001px) {
  .js .menu-toggle { display: none; }
  .js .header-inner nav { display: flex; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .directory-card:hover { transform: none; }
}

/* Blue palette: color-only distinctions on the primary blue surfaces. */
.hero .eyebrow, .directory-hero .eyebrow { color: #073348; }
.hero .btn:not(.alt) { background: #b9eaff; }
.hero .btn:not(.alt):hover { background: #d9f4ff; }