:root {
  --navy: #081d3a;
  --sky: #0ea5ff;
  --aqua: #06ccd6;
  --teal: #0fa39e;
  --yellow: #ffd300;
  --cloud: #f4f6f8;
  --sand: #fbf8f0;
  --white: #fff;
  --ink: #10243c;
  --muted: #586a7b;
  --line: #dbe5ea;
  --success: #15744f;
  --error: #aa3333;
  --shadow: 0 22px 60px rgba(8,29,58,.12);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif; line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; top: 10px; left: 10px; z-index: 999; transform: translateY(-150%); padding: 10px 14px; color: var(--white); background: var(--navy); }
.skip-link:focus { transform: none; }
.site-header { position: sticky; top: 0; z-index: 100; border-bottom: 1px solid rgba(8,29,58,.09); background: rgba(255,255,255,.94); backdrop-filter: blur(14px); }
.nav-shell { width: min(1230px, calc(100% - 40px)); min-height: 78px; margin-inline: auto; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand img { width: 205px; height: 62px; object-fit: contain; }
.site-nav { display: flex; align-items: center; gap: 27px; }
.site-nav a { color: var(--navy); text-decoration: none; font-size: .88rem; font-weight: 700; }
.site-nav a:not(.nav-cta):hover { color: var(--teal); }
.site-nav .nav-cta { padding: 11px 17px; border-radius: 100px; color: var(--white); background: var(--navy); }
.menu-button { display: none; width: 44px; height: 44px; padding: 10px; border: 0; background: transparent; }
.menu-button span:not(.sr-only) { display: block; height: 2px; margin: 5px 0; background: var(--navy); }
.hero { position: relative; min-height: 700px; display: grid; align-items: center; overflow: hidden; color: var(--white); background: var(--navy); }
.hero-image, .hero-overlay { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-image { object-fit: cover; object-position: 50% 50%; }
.hero-overlay { background: linear-gradient(90deg, rgba(8,29,58,.94) 0%, rgba(8,29,58,.74) 45%, rgba(8,29,58,.16) 78%, rgba(8,29,58,.08) 100%), linear-gradient(0deg, rgba(8,29,58,.3), transparent 50%); }
.hero-content { position: relative; z-index: 2; padding-block: 95px 140px; }
.eyebrow { margin: 0 0 14px; color: var(--teal); font-size: .76rem; font-weight: 900; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow.light { color: var(--aqua); }
h1, h2, h3, p { text-wrap: pretty; }
h1 { max-width: 850px; margin: 0; font-family: Georgia, "Times New Roman", serif; font-size: clamp(3.6rem, 7vw, 6.6rem); font-weight: 400; line-height: .94; letter-spacing: -.055em; }
h2 { margin: 0; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.35rem, 4.8vw, 4.2rem); font-weight: 400; line-height: 1.02; letter-spacing: -.045em; }
h3 { margin: 0; color: var(--navy); font-size: 1.3rem; line-height: 1.25; }
.hero-content > p:not(.eyebrow) { max-width: 630px; margin: 27px 0 0; color: rgba(255,255,255,.82); font-size: 1.13rem; }
.hero-actions { display: flex; align-items: center; gap: 28px; margin-top: 36px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 13px 20px; border: 0; border-radius: 8px; text-decoration: none; font-weight: 850; cursor: pointer; transition: transform .18s, box-shadow .18s; }
.button:hover { transform: translateY(-2px); }
.button.sun { color: var(--navy); background: var(--yellow); box-shadow: 0 8px 24px rgba(255,211,0,.22); }
.button.navy { color: var(--white); background: var(--navy); }
.button:disabled { cursor: wait; opacity: .58; transform: none; }
.text-link { color: var(--teal); text-decoration: none; font-weight: 850; }
.text-link.light { color: var(--white); }
.text-link span { display: inline-block; margin-left: 6px; transition: transform .18s; }
.text-link:hover span { transform: translateX(4px); }
.hero-card { position: absolute; z-index: 3; right: max(24px, calc((100vw - 1160px)/2)); bottom: 28px; display: flex; align-items: center; gap: 15px; width: 390px; padding: 13px; color: var(--navy); background: rgba(255,255,255,.95); border-radius: 70px 12px 12px 70px; box-shadow: var(--shadow); }
.hero-card img { width: 76px; height: 76px; border-radius: 50%; object-fit: cover; object-position: 50% 24%; }
.hero-card strong, .hero-card span { display: block; }
.hero-card span { margin-top: 3px; color: var(--muted); font-size: .76rem; line-height: 1.35; }
.trust-bar { color: var(--white); background: var(--teal); }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-grid div { padding: 22px 26px; text-align: center; }
.trust-grid div + div { border-left: 1px solid rgba(255,255,255,.24); }
.trust-grid strong, .trust-grid span { display: block; }
.trust-grid strong { font-size: .92rem; }
.trust-grid span { color: rgba(255,255,255,.75); font-size: .74rem; }
.section { padding-block: 105px; scroll-margin-top: 75px; }
.section-heading { margin-bottom: 54px; }
.section-heading.centered { max-width: 850px; margin-inline: auto; text-align: center; }
.section-heading.split { display: grid; grid-template-columns: 1.1fr .7fr; gap: 90px; align-items: end; }
.section-heading.split > p { max-width: 480px; margin: 0 0 7px; color: var(--muted); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.steps article { position: relative; min-height: 320px; padding: 32px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--cloud); }
.steps article:nth-child(2) { background: #ebfbfb; }
.steps article:nth-child(3) { background: #fff9db; }
.step-number { position: absolute; right: 20px; top: 12px; color: rgba(8,29,58,.08); font-family: Georgia, serif; font-size: 5.8rem; line-height: 1; }
.step-icon { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 76px; border-radius: 50%; color: var(--white); background: var(--navy); font-size: 1.35rem; }
.steps p { color: var(--muted); font-size: .91rem; }
.value-section { padding-block: 95px; color: var(--white); background: linear-gradient(120deg, var(--navy), #0c4163); }
.value-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: center; }
.value-copy h2 { color: var(--white); }
.value-copy > p:not(.eyebrow) { color: rgba(255,255,255,.75); }
.value-copy .fine-print { margin-top: 28px; color: rgba(255,255,255,.48); font-size: .74rem; }
.value-list { margin: 0; padding: 0; list-style: none; }
.value-list li { display: grid; grid-template-columns: 52px 1fr; gap: 18px; padding-block: 24px; border-bottom: 1px solid rgba(255,255,255,.16); }
.value-list li:first-child { border-top: 1px solid rgba(255,255,255,.16); }
.value-list li > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; color: var(--navy); background: var(--yellow); font-size: .73rem; font-weight: 900; }
.value-list strong { font-size: 1.05rem; }
.value-list p { margin: 5px 0 0; color: rgba(255,255,255,.68); font-size: .86rem; }
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.service-card { min-height: 330px; display: flex; flex-direction: column; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 8px 30px rgba(8,29,58,.05); }
.service-card.featured { color: var(--white); background: var(--teal); border-color: var(--teal); }
.service-card.featured h3, .service-card.featured a { color: var(--white); }
.card-kicker { margin-bottom: auto; color: var(--teal); font-size: .7rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.featured .card-kicker { color: var(--yellow); }
.service-card h3 { margin-top: 72px; font-family: Georgia, serif; font-size: 2rem; font-weight: 400; }
.service-card p { color: var(--muted); font-size: .9rem; }
.service-card.featured p { color: rgba(255,255,255,.78); }
.service-card a { margin-top: 12px; color: var(--teal); text-decoration: none; font-size: .85rem; font-weight: 850; }
.resources-section { padding-block: 110px; overflow: hidden; background: var(--sand); }
.resource-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 95px; align-items: center; }
.resource-art { position: relative; min-height: 590px; display: grid; place-items: center; }
.resource-art::before { content: ""; position: absolute; width: 470px; height: 470px; border-radius: 50%; background: var(--yellow); }
.resource-art::after { content: ""; position: absolute; width: 390px; height: 390px; border: 2px solid rgba(8,29,58,.15); border-radius: 50%; transform: translate(90px,-80px); }
.phone-frame { position: relative; z-index: 1; width: 275px; height: 560px; padding: 14px; border: 8px solid var(--navy); border-radius: 46px; background: var(--white); box-shadow: var(--shadow); transform: rotate(-5deg); }
.phone-island { display: block; width: 94px; height: 21px; margin: 0 auto 15px; border-radius: 20px; background: var(--navy); }
.phone-screen { height: calc(100% - 38px); padding: 45px 22px; border-radius: 28px; color: var(--white); background: linear-gradient(180deg, var(--sky), var(--teal)); }
.phone-screen span { display: block; margin-bottom: 70px; font-family: Georgia, serif; font-size: 2.2rem; line-height: 1.02; }
.phone-screen strong { display: block; margin: 12px 0; padding: 10px 13px; border-radius: 8px; color: var(--navy); background: rgba(255,255,255,.9); }
.resource-copy > p:not(.eyebrow) { max-width: 610px; color: var(--muted); }
.resource-card { margin-top: 34px; padding: 26px; border-left: 5px solid var(--aqua); background: var(--white); box-shadow: 0 10px 30px rgba(8,29,58,.07); }
.resource-card > span { color: var(--teal); font-size: .7rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.resource-card p { color: var(--muted); font-size: .9rem; }
.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 100px; align-items: center; }
.about-image-wrap { position: relative; min-height: 620px; }
.about-image-wrap img { position: relative; z-index: 1; width: 92%; height: 620px; object-fit: cover; border-radius: 210px 210px 18px 18px; box-shadow: var(--shadow); }
.about-shape { position: absolute; width: 65%; height: 72%; right: -5%; bottom: -5%; border-radius: 0 0 100px 0; background: var(--aqua); }
.about-copy p:not(.eyebrow) { color: var(--muted); }
.signature { margin: 28px 0 2px; color: var(--teal); font-family: "Segoe Script", "Bradley Hand", cursive; font-size: 2.2rem; transform: rotate(-4deg); }
.newsletter-section { padding-block: 85px; color: var(--white); background: linear-gradient(130deg, var(--teal), #087c83); }
.newsletter-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 80px; align-items: center; }
.newsletter-grid h2 { color: var(--white); }
.newsletter-grid > div > p:not(.eyebrow) { color: rgba(255,255,255,.76); }
.newsletter-form { padding: 28px; color: var(--ink); background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 17px; }
.field label { display: block; margin-bottom: 6px; color: var(--navy); font-size: .78rem; font-weight: 850; }
.field label span { color: var(--muted); font-weight: 500; }
.field input, .field select, .field textarea { width: 100%; padding: 12px 13px; border: 1px solid #bdcbd4; border-radius: 7px; color: var(--ink); background: var(--white); font-size: 1rem; }
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid rgba(14,165,255,.2); border-color: var(--sky); }
.check { display: grid; grid-template-columns: 20px 1fr; gap: 10px; margin: 6px 0 19px; color: var(--muted); font-size: .75rem; line-height: 1.45; }
.check input { width: 18px; height: 18px; margin: 1px 0 0; accent-color: var(--teal); }
.check.optional { margin-top: -7px; }
.form-status { min-height: 22px; margin: 13px 0 0; font-size: .8rem; font-weight: 700; }
.form-status[data-type="error"] { color: var(--error); }
.form-status[data-type="notice"] { color: #946100; }
.form-status[data-type="success"] { color: var(--success); }
.start-section { display: grid; grid-template-columns: .72fr 1.28fr; gap: 85px; align-items: start; }
.start-section > * { min-width: 0; }
.start-intro { position: sticky; top: 120px; }
.start-intro > p:not(.eyebrow) { color: var(--muted); }
.contact-card { margin-top: 35px; padding: 22px; border-left: 4px solid var(--aqua); background: var(--cloud); }
.contact-card span, .contact-card a { display: block; }
.contact-card span { margin-bottom: 7px; color: var(--muted); font-size: .74rem; }
.contact-card a { color: var(--navy); font-weight: 800; }
.intake-form { padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--cloud); }
.site-footer { color: rgba(255,255,255,.7); background: var(--navy); }
.footer-top { display: grid; grid-template-columns: 1.5fr .7fr .8fr; gap: 70px; padding-block: 70px 45px; }
.footer-brand img { width: 235px; filter: brightness(0) invert(1); }
.footer-brand p { max-width: 300px; }
.footer-top > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 9px; }
.footer-top strong { margin-bottom: 9px; color: var(--white); }
.footer-top a { text-decoration: none; font-size: .84rem; }
.footer-top a:hover { color: var(--aqua); }
.social-placeholder { color: rgba(255,255,255,.38); font-size: .84rem; }
.footer-legal { padding-block: 28px 45px; border-top: 1px solid rgba(255,255,255,.13); font-size: .7rem; }
.footer-legal p { max-width: 1000px; }
.footer-legal a { color: var(--white); }
.insurance-disclaimer { color: rgba(255,255,255,.48); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); }
.footer-bottom span:last-child { display: flex; gap: 18px; }
.legal-page { min-height: 100vh; background: var(--cloud); }
.legal-header { padding: 28px 0; background: var(--white); border-bottom: 1px solid var(--line); }
.legal-header img { width: 210px; }
.legal-content { max-width: 820px; margin: 0 auto; padding: 75px 20px 100px; }
.legal-content h1 { color: var(--navy); font-size: clamp(2.8rem, 7vw, 4.7rem); }
.legal-content h2 { margin-top: 45px; font-family: inherit; font-size: 1.45rem; font-weight: 800; letter-spacing: -.02em; }
.legal-content p, .legal-content li { color: var(--muted); }
.legal-content .back-link { display: inline-block; margin-bottom: 35px; color: var(--teal); font-weight: 800; }
@media (max-width: 920px) {
  .menu-button { display: block; }
  .site-nav { position: absolute; left: 20px; right: 20px; top: 70px; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 12px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); box-shadow: var(--shadow); }
  .menu-button[aria-expanded="true"] + .site-nav { display: flex; }
  .site-nav a { padding: 13px; }
  .site-nav .nav-cta { margin-top: 6px; text-align: center; }
  .hero-overlay { background: linear-gradient(90deg, rgba(8,29,58,.93), rgba(8,29,58,.55)), linear-gradient(0deg, rgba(8,29,58,.55), transparent); }
  .hero-card { display: none; }
  .section-heading.split, .value-grid, .resource-grid, .about-grid, .newsletter-grid, .start-section { grid-template-columns: 1fr; gap: 55px; }
  .steps, .service-grid { grid-template-columns: 1fr 1fr; }
  .steps article:last-child, .service-card:last-child { grid-column: 1 / -1; }
  .resource-art { order: 2; }
  .start-intro { position: static; }
}
@media (max-width: 620px) {
  .wrap, .nav-shell { width: min(100% - 28px, 1160px); }
  .brand img { width: 178px; }
  .hero { min-height: 720px; }
  .hero-image { object-position: 58% 50%; }
  .hero-overlay { background: linear-gradient(180deg, rgba(8,29,58,.72), rgba(8,29,58,.92)); }
  .hero-content { padding-block: 85px 115px; align-self: end; }
  h1 { font-size: clamp(3.25rem, 15vw, 5.4rem); }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 18px; }
  .trust-grid { grid-template-columns: 1fr; padding-block: 7px; }
  .trust-grid div { padding: 15px 10px; }
  .trust-grid div + div { border-left: 0; border-top: 1px solid rgba(255,255,255,.2); }
  .section { padding-block: 76px; }
  .steps, .service-grid { grid-template-columns: 1fr; }
  .steps article:last-child, .service-card:last-child { grid-column: auto; }
  .steps article { min-height: 290px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .newsletter-form, .intake-form { padding: 22px; }
  .resource-art { min-height: 520px; }
  .resource-art::before { width: 340px; height: 340px; }
  .resource-art::after { display: none; }
  .phone-frame { width: 235px; height: 485px; }
  .phone-screen span { margin-bottom: 45px; font-size: 1.8rem; }
  .about-image-wrap { min-height: 510px; }
  .about-image-wrap img { height: 510px; }
  .footer-top { grid-template-columns: 1fr; gap: 35px; padding-top: 55px; }
  .footer-bottom { flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .button, .text-link span { transition: none; } }
.form-trap {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

/* Travel insurance page (insurance.html) */
.eyebrow.sun { color: var(--yellow); }
.page-hero { min-height: 560px; }
.page-hero .hero-image { object-position: 50% 60%; }
.page-hero .hero-content { padding-block: 90px 110px; }
.page-hero .hero-content > p:not(.eyebrow) { max-width: 560px; font-size: 1.28rem; }
.note-grid { display: grid; grid-template-columns: minmax(240px, 350px) 1fr; gap: 95px; align-items: center; }
.note-photo { position: relative; }
.note-photo img { position: relative; z-index: 1; width: 100%; height: 440px; object-fit: cover; object-position: 50% 30%; border-radius: 175px 175px 18px 18px; box-shadow: var(--shadow); }
.note-copy p:not(.eyebrow) { max-width: 690px; color: var(--muted); }
.note-copy p.note-lead { margin: 0 0 22px; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: clamp(1.5rem, 2.5vw, 2.1rem); line-height: 1.25; letter-spacing: -.02em; }
.basics-section { padding-block: 105px; background: var(--cloud); scroll-margin-top: 75px; }
.provider-block { display: grid; grid-template-columns: .9fr 1fr 1fr; gap: 18px; }
.provider-intro { padding: 30px 24px 0 0; }
.provider-intro h2 { font-size: clamp(1.9rem, 2.8vw, 2.5rem); }
.provider-intro p { color: var(--muted); }
.compare-card { padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 8px 30px rgba(8,29,58,.05); }
.compare-card h3 { font-family: Georgia, serif; font-size: 1.75rem; font-weight: 400; }
.compare-list { margin: 20px 0 0; padding: 0; list-style: none; }
.compare-list li { position: relative; padding: 14px 0 14px 24px; border-top: 1px solid var(--line); color: var(--muted); font-size: .93rem; }
.compare-list li::before { content: ""; position: absolute; left: 2px; top: 23px; width: 9px; height: 9px; border-radius: 50%; background: var(--teal); }
.coverage-section { padding-block: 105px; color: var(--white); background: linear-gradient(120deg, var(--navy), #0c4163); scroll-margin-top: 75px; }
.coverage-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 100px; align-items: start; }
.coverage-intro { position: sticky; top: 120px; }
.coverage-intro h2 { color: var(--white); }
.coverage-list { margin: 0; padding: 0; list-style: none; }
.coverage-list li { display: grid; grid-template-columns: 52px 1fr; gap: 18px; padding-block: 26px; border-bottom: 1px solid rgba(255,255,255,.16); }
.coverage-list li:first-child { border-top: 1px solid rgba(255,255,255,.16); }
.coverage-list li > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; color: var(--navy); background: var(--yellow); font-size: .73rem; font-weight: 900; }
.coverage-list h3 { color: var(--white); font-size: 1.12rem; }
.coverage-list p { margin: 6px 0 0; color: rgba(255,255,255,.74); font-size: .93rem; }
.timing-section { padding-block: 110px; overflow: hidden; background: var(--sand); scroll-margin-top: 75px; }
.timing-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 90px; align-items: center; }
.timing-lead { margin: 26px 0 0; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: clamp(1.4rem, 2.2vw, 1.8rem); line-height: 1.3; }
.timing-points { margin: 30px 0 0; padding: 0; list-style: none; }
.timing-points li { position: relative; padding: 15px 0 15px 26px; border-top: 1px solid rgba(8,29,58,.1); color: var(--muted); }
.timing-points li:last-child { border-bottom: 1px solid rgba(8,29,58,.1); }
.timing-points li::before { content: ""; position: absolute; left: 2px; top: 25px; width: 9px; height: 9px; border-radius: 50%; background: var(--teal); }
.storm-wrap { position: relative; min-height: 470px; display: grid; place-items: center; }
.storm-wrap::before { content: ""; position: absolute; width: 440px; height: 440px; border-radius: 50%; background: var(--yellow); }
.storm-card { position: relative; z-index: 1; width: min(100%, 430px); padding: 30px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.storm-card .card-kicker { margin: 0 0 4px; }
.storm-row { display: grid; grid-template-columns: 34px 1fr; gap: 14px; align-items: start; padding-block: 16px; border-bottom: 1px solid var(--line); }
.storm-row p { margin: 4px 0 0; color: var(--ink); font-size: .95rem; }
.storm-mark { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; color: var(--white); font-weight: 900; }
.storm-row.covered .storm-mark { background: var(--teal); }
.storm-row.not-covered .storm-mark { background: var(--navy); }
.storm-aside { margin: 18px 0 0; color: var(--teal); font-family: Georgia, "Times New Roman", serif; font-size: 1.15rem; font-style: italic; }
.exclusion-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 0; padding: 0; list-style: none; }
.exclusion-grid li { display: grid; grid-template-columns: 38px 1fr; gap: 16px; align-items: start; padding: 26px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--cloud); }
.exclusion-icon { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; color: var(--navy); background: var(--yellow); font-weight: 900; }
.exclusion-grid p { margin: 6px 0 0; color: var(--ink); font-size: .95rem; }
.quote-section { padding-block: 95px 75px; color: var(--white); background: linear-gradient(130deg, #087c83, #065a60); scroll-margin-top: 75px; }
.quote-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 80px; align-items: center; }
.quote-copy h2 { color: var(--white); font-size: clamp(2.2rem, 3.8vw, 3.4rem); }
.quote-copy .quote-lead { max-width: 560px; margin: 24px 0 30px; color: var(--white); font-size: 1.08rem; }
.quote-contact { display: flex; flex-wrap: wrap; gap: 6px 12px; margin: 18px 0 0; color: rgba(255,255,255,.7); font-size: .9rem; }
.quote-contact a { color: var(--white); font-weight: 800; }
.partner-list { display: grid; gap: 16px; }
.partner-card { padding: 26px 28px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.partner-card p { margin: 0; color: var(--muted); font-size: .95rem; }
.partner-card strong { color: var(--navy); }
.disclaimer-card { margin-top: 56px; padding: 22px 26px; border-left: 4px solid var(--yellow); border-radius: 0 12px 12px 0; background: rgba(8,29,58,.35); }
.disclaimer-card p { margin: 0; color: rgba(255,255,255,.92); font-size: .88rem; }
.disclaimer-card strong { color: var(--white); }
@media (max-width: 920px) {
  .coverage-grid, .timing-grid, .quote-grid { grid-template-columns: 1fr; gap: 50px; }
  .note-grid { grid-template-columns: 240px 1fr; gap: 50px; }
  .note-photo img { height: 340px; }
  .coverage-intro { position: static; }
  .provider-block, .exclusion-grid { grid-template-columns: 1fr 1fr; }
  .provider-intro { grid-column: 1 / -1; padding: 0 0 8px; }
}
@media (max-width: 620px) {
  .page-hero { min-height: 540px; }
  .page-hero .hero-image { object-position: 80% 60%; }
  .page-hero .hero-content { padding-block: 80px 70px; }
  .page-hero .hero-content > p:not(.eyebrow) { font-size: 1.13rem; }
  .note-grid { grid-template-columns: 1fr; gap: 40px; }
  .note-photo { max-width: 260px; }
  .note-photo img { height: 320px; }
  .basics-section, .coverage-section, .timing-section { padding-block: 76px; }
  .provider-block, .exclusion-grid { grid-template-columns: 1fr; }
  .storm-wrap { min-height: 0; padding-block: 24px; }
  .storm-wrap::before { width: 230px; height: 230px; top: -20px; right: -80px; }
  .quote-section { padding-block: 76px 56px; }
  .disclaimer-card { margin-top: 40px; }
}

/* Free resources page (resources.html); cards built from data/free-resources.json */
.site-nav a[aria-current="page"]:not(.nav-cta) { color: var(--teal); }
/* Six menu items: never wrap a label, and tighten the spacing on laptop widths before the phone menu takes over at 920px. */
.site-nav a { white-space: nowrap; }
@media (min-width: 921px) and (max-width: 1180px) {
  .nav-shell { gap: 20px; }
  .brand img { width: 170px; }
  .site-nav { gap: 17px; }
  .site-nav .nav-cta { padding: 10px 14px; }
}
.resource-more { margin: 20px 0 0; }
.library-section { padding-block: 105px; background: var(--cloud); scroll-margin-top: 75px; }
.library-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.library-card { display: flex; flex-direction: column; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 8px 30px rgba(8,29,58,.05); transition: transform .18s, box-shadow .18s; }
.library-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.library-thumb { position: relative; display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--navy); }
.library-thumb img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 0; }
.library-credit { position: absolute; right: 10px; bottom: 8px; padding: 2px 7px; border-radius: 6px; color: rgba(255,255,255,.92); background: rgba(8,29,58,.62); font-size: .66rem; font-weight: 700; }
.library-body { display: flex; flex: 1; flex-direction: column; padding: 22px 24px 24px; }
.library-body .card-kicker { margin: 0 0 8px; }
.library-body h3 { font-family: Georgia, "Times New Roman", serif; font-size: 1.6rem; font-weight: 400; line-height: 1.15; }
.library-body h3 a { text-decoration: none; }
.library-body h3 a:hover { color: var(--teal); }
.library-video { margin: 10px 0 0; color: var(--muted); font-size: .85rem; line-height: 1.45; }
.library-video a { color: var(--navy); font-weight: 750; }
.library-body .text-link { margin-top: auto; padding-top: 18px; font-size: .9rem; }
.library-cta { padding-block: 85px; color: var(--white); background: linear-gradient(130deg, #087c83, #065a60); }
.library-cta-grid { display: flex; align-items: center; justify-content: space-between; gap: 50px; }
.library-cta h2 { color: var(--white); font-size: clamp(2.1rem, 3.6vw, 3.2rem); }
.library-cta p:not(.eyebrow) { max-width: 600px; margin: 18px 0 0; color: rgba(255,255,255,.82); }
.library-cta .button { flex: none; }
@media (max-width: 920px) {
  .library-grid { grid-template-columns: 1fr 1fr; }
  .library-cta-grid { flex-direction: column; align-items: flex-start; gap: 30px; }
}
@media (max-width: 620px) {
  .library-grid { grid-template-columns: 1fr; }
  .library-section, .library-cta { padding-block: 76px; }
}