/* Insurance Capitol — shared layout and accessible defaults. */
*,:before,:after {
  box-sizing:border-box}
html {
  scroll-behavior:smooth;
  -webkit-text-size-adjust:100%;
  scroll-padding-top:110px}
body {
  margin:0;
  font-family:var(--body);
  color:var(--text)}
img {
  max-width:100%;
  display:block}
a {
  color:var(--ink);
  text-underline-offset:4px}
h1,h2,h3 {
  color:var(--ink);
  line-height:1.15;
  margin:0 0 .5em}
p {
  margin:0 0 1em;
  max-width:68ch}
.lead {
  color:var(--ink-2);
  font-size:18px}
.small,small {
  font-size:14px;
  color:var(--muted)}
.wrap {
  width:min(var(--max),100% - 2 * var(--gutter));
  margin-inline:auto}
:focus-visible {
  outline:3px solid var(--accent);
  outline-offset:4px}
.skip {
  position:absolute;
  left:-999px;
  top:8px;
  background:var(--ink);
  color:white;
  padding:8px 12px;
  z-index:100}
.skip:focus {
  left:8px}
.top {
  border-bottom:1px solid var(--rule)}
.top .wrap {
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px}
.brand {
  display:flex;
  align-items:center;
  text-decoration:none}
.brand span {
  display:block}
.nav {
  display:flex;
  align-items:center;
  gap:2px}
.nav a {
  text-decoration:none;
  border-radius:5px}
.nav a:hover {
  background:var(--paper)}
.nav .call {
  margin-left:8px;
  background:var(--ink);
  color:white}
.nav .call:hover {
  background:var(--ink-2);
  color:white}
.menu-btn {
  display:none;
  background:white;
  border:1px solid var(--rule);
  border-radius:5px;
  padding:10px 14px;
  font:inherit;
  color:var(--ink);
  cursor:pointer}
.hero .wrap {
  display:grid}
.quote-card {
  background:white}
.field {
  display:grid;
  gap:6px}
.field label {
  font-weight:700;
  color:var(--ink-2)}
.field input,.field textarea,.field select {
  font:inherit;
  width:100%;
  color:var(--text);
  border:1px solid var(--rule)}
.row-2 {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px}
.choices {
  border:0;
  margin:0 0 18px;
  padding:0;
  min-width:0}
.choices legend {
  margin-bottom:8px;
  color:var(--ink-2);
  font-weight:700}
.chips {
  display:flex;
  flex-wrap:wrap}
.chips label {
  display:inline-flex;
  gap:6px;
  align-items:center;
  border:1px solid var(--rule);
  cursor:pointer}
.chips input {
  margin:0}
.btn {
  display:inline-flex;
  justify-content:center;
  align-items:center;
  font:inherit;
  font-weight:700;
  text-decoration:none;
  border:1px solid transparent;
  cursor:pointer;
  line-height:1.2}
.btn-primary {
  background:var(--ink);
  color:white}
.btn-primary:hover {
  background:var(--ink-2);
  color:white}
.btn-outline {
  background:transparent;
  color:var(--ink);
  border-color:var(--ink)}
.btn-outline:hover {
  background:var(--ink);
  color:white}
.btn-block {
  width:100%}
.actions {
  display:flex;
  gap:12px;
  flex-wrap:wrap}
.grid-2,.contact-grid {
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:40px;
  align-items:start}
.grid-3 {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr))}
.section.alt {
  background:var(--paper);
  border-block:1px solid var(--rule)}
.license dl {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px}
.license dt {
  color:var(--muted);
  margin-bottom:6px}
.license dd {
  color:var(--ink);
  margin:0}
.license dd small {
  display:block;
  font-weight:400;
  color:var(--muted)}
.steps {
  counter-reset:step;
  list-style:none;
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:24px;
  padding:0;
  margin:0}
.steps li {
  counter-increment:step;
  padding:26px;
  border:1px solid var(--rule);
  border-radius:8px}
.steps li:before {
  content:counter(step);
  display:inline-grid;
  place-items:center;
  width:34px;
  height:34px;
  border-radius:50%;
  background:#fcecef;
  color:var(--accent);
  font-weight:700;
  margin-bottom:16px}
.steps p {
  color:var(--muted);
  font-size:15px;
  margin:0}
.dealer-feature .steps p {
  color:#c7d5e9}
.addr {
  font-style:normal}
.hours {
  display:grid;
  grid-template-columns:auto 1fr;
  gap:8px 20px;
  margin:0}
.hours dt {
  color:var(--muted)}
.hours dd {
  margin:0}
.service-list {
  list-style:none;
  padding:0;
  margin:0}
.plain {
  border-collapse:collapse;
  width:100%}
.plain th,.plain td {
  padding:14px 12px;
  border-bottom:1px solid var(--rule);
  text-align:left}
.plain th {
  color:var(--ink)}
.notice,.notice-green {
  padding:22px}
.foot .cols {
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:32px;
  margin-bottom:32px}
.foot ul {
  list-style:none;
  padding:0;
  margin:0;
  display:grid;
  gap:8px}
.foot .legal {
  border-top:1px solid;
  padding-top:24px}
.foot .legal p {
  max-width:none}
.page-head p {
  margin:0}
.prose {
  max-width:72ch}
.prose ul {
  padding-left:20px}
.mt {
  margin-top:28px}
.mt-sm {
  margin-top:12px}
.mt-md {
  margin-top:20px}
.consent a {
  color:inherit}
@media(max-width:800px) {
  .steps {
  grid-template-columns:1fr}
}

/* Brand system: navy, clear white, signature red. */
:root {
  --ink:#071b3e;
  --ink-2:#18375b;
  --text:#263b54;
  --muted:#5b697c;
  --paper:#f4f7fb;
  --accent:#c9162b;
  --accent-hover:#a50d20;
  --rule:#dbe3ed;
  --radius:10px;
  --max:1240px;
  --gutter:28px;
  --display:"Manrope",Arial,sans-serif;
  --body:"Manrope",Arial,sans-serif}

body {
  background:#fff;
  font-size:16px;
  line-height:1.7}
h1,h2,h3 {
  font-family:var(--display);
  font-weight:700;
  letter-spacing:-.045em}
h2 {
  font-size:clamp(2rem,3.4vw,2.8rem);
  line-height:1.15}
h3 {
  letter-spacing:-.025em;
  font-weight:700}
a:hover {
  color:var(--accent)}
.utility {
  background:var(--ink);
  color:#fff;
  font-size:12px;
  padding:9px 0;
  letter-spacing:.02em}
.utility .wrap {
  display:flex;
  justify-content:space-between;
  gap:20px}
.utility-language {
  color:#c7d5e9}
.top {
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.98)}
.top .wrap {
  min-height:94px}
.brand {
  gap:12px;
  flex-shrink:0}
.brand img {
  width:65px;
  height:65px;
  object-fit:contain}
.brand b {
  font-family:var(--display);
  font-size:20px;
  letter-spacing:-.04em;
  line-height:1.1}
.brand b span {
  font-size:20px;
  color:var(--accent);
  font-weight:800;
  line-height:1.1}
.nav a {
  font-size:14px;
  padding:10px 9px;
  font-weight:700;
  white-space:nowrap}
.nav .call {
  font-size:14px;
  border-radius:6px;
  padding:12px 15px}
.nav a[aria-current=page] {
  box-shadow:inset 0 -2px var(--accent)}
.btn {
  border-radius:6px;
  min-height:48px;
  padding:15px 22px;
  font-size:14px;
  transition:background .18s,box-shadow .18s}
.btn-accent {
  background:var(--accent);
  color:#fff}
.btn-accent:hover {
  background:var(--accent-hover)}
.eyebrow {
  font-size:12px;
  letter-spacing:.15em;
  font-weight:800;
  color:var(--accent);
  margin-bottom:20px}
.hero {
  padding:70px 0;
  background:linear-gradient(110deg,#f3f7fc 0%,#f3f7fc 61%,#eaf0f8 61%,#eaf0f8 100%);
  border:0}
.hero .wrap {
  grid-template-columns:1.15fr 1fr;
  gap:70px;
  align-items:center}
.hero h1 {
  font-size:clamp(2.8rem,4.3vw,4rem);
  letter-spacing:-.055em;
  line-height:1.08;
  margin-bottom:24px}
.hero h1 span {
  color:var(--accent)}
.hero .lead {
  font-size:18px;
  line-height:1.8;
  max-width:43ch;
  margin-bottom:28px}
.hero-actions {
  display:flex;
  align-items:center;
  gap:24px;
  flex-wrap:wrap}
.text-link {
  font-size:14px;
  font-weight:700}
.hero-proof {
  display:flex;
  gap:40px;
  margin:34px 0}
.hero-proof div {
  padding-left:16px;
  border-left:2px solid #c9162b}
.hero-proof strong {
  display:block;
  color:var(--ink);
  font-size:14px}
.hero-proof span {
  font-size:13px;
  color:var(--muted)}
.local-image {
  position:relative;
  border-radius:8px;
  overflow:hidden;
  max-width:470px;
  height:157px}
.local-image img {
  width:100%;
  height:100%;
  object-fit:cover}
.local-image:after {
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg,rgba(7,27,62,.75),rgba(7,27,62,.05))}
.local-image div {
  position:absolute;
  left:24px;
  bottom:22px;
  color:white;
  z-index:1}
.local-image span {
  display:block;
  font-size:11px;
  letter-spacing:.15em}
.local-image strong {
  font-size:21px;
  font-weight:600}
.quote-card {
  border:1px solid #d7e0eb;
  border-top:3px solid var(--accent);
  border-radius:12px;
  box-shadow:0 20px 60px -25px #18375b55;
  scroll-margin-top:115px}
.quote-card header {
  padding:28px 28px 12px}
.quote-card header h2 {
  font-size:24px;
  margin-bottom:9px}
.quote-card header p {
  font-size:14px;
  line-height:1.6}
.quote-card form {
  padding:8px 28px 28px}
.field {
  margin-bottom:14px}
.field label {
  font-size:13px}
.field input,.field select,.field textarea {
  background:#f9fbfd;
  border-radius:5px;
  min-height:44px;
  font-size:14px;
  padding:10px 12px}
.field textarea {
  min-height:70px;
  resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus {
  outline-color:#c9162b33}
.hint {
  font-weight:400;
  color:var(--muted);
  font-size:12px}
.choices legend {
  font-size:13px}
.chips {
  gap:7px}
.chips label {
  font-size:12px;
  padding:7px 10px;
  border-radius:5px}
.chips label:has(input:checked) {
  background:#edf2fa;
  border-color:#071b3e}
.chips input {
  accent-color:var(--ink)}
.consent {
  font-size:12px;
  line-height:1.6;
  margin:13px 0 0;
  color:var(--muted)}
.form-status:empty {
  display:none}
.form-status {
  font-size:14px;
  color:#a50d20}
.carrier-strip {
  padding:34px 0 28px;
  border-bottom:1px solid var(--rule);
  text-align:center}
.carrier-strip .eyebrow {
  color:var(--muted);
  margin-bottom:20px;
  font-size:11px}
.carriers {
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:24px;
  list-style:none;
  padding:0;
  margin:0 0 14px;
  flex-wrap:wrap}
.carriers li {
  padding:0;
  border:0;
  background:none;
  font-size:22px;
  font-weight:800;
  letter-spacing:-.04em;
  color:#344a67}
.carrier-strip .small {
  font-size:12px;
  max-width:none;
  margin:0}
.section {
  padding:80px 0}
.section-head {
  max-width:700px;
  margin-bottom:34px}
.section-head p {
  color:var(--muted)}
.section-head .eyebrow {
  color:var(--accent);
  margin-bottom:15px}
.grid-3 {
  gap:24px}
.coverage-card {
  display:block;
  position:relative;
  text-decoration:none;
  padding:34px 28px;
  border:1px solid var(--rule);
  border-radius:8px;
  min-height:290px;
  background:#fff;
  transition:box-shadow .2s,border-color .2s}
.coverage-card:hover {
  box-shadow:0 16px 36px -20px #071b3e55;
  border-color:#9fb0c7;
  color:var(--ink)}
.card-number {
  font-size:11px;
  letter-spacing:.14em;
  color:var(--muted);
  font-weight:700;
  display:block;
  margin-bottom:35px}
.coverage-card h3 {
  font-size:25px}
.coverage-card p {
  font-size:15px;
  line-height:1.75;
  color:var(--muted);
  margin-bottom:30px}
.card-link {
  font-size:13px;
  font-weight:800;
  color:var(--accent);
  border-bottom:1px solid #e2a9b0;
  padding-bottom:5px}
.dealer-feature {
  background:var(--ink);
  color:#c7d5e9}
.dealer-feature h2,.dealer-feature h3 {
  color:#fff}
.dealer-feature .eyebrow {
  color:#ffa5af}
.dealer-feature .lead {
  color:#c7d5e9;
  font-size:17px}
.dealer-feature .grid-2 {
  gap:100px;
  align-items:center}
.dealer-feature .steps {
  display:grid;
  grid-template-columns:1fr;
  gap:0;
  counter-reset:step}
.dealer-feature .steps li {
  background:none;
  border:0;
  border-bottom:1px solid #ffffff26;
  padding:22px 0 22px 56px;
  position:relative}
.dealer-feature .steps li:before {
  position:absolute;
  left:0;
  top:24px;
  background:#ffffff12;
  border:1px solid #ffffff30;
  color:#fff;
  width:34px;
  height:34px;
  font-size:13px}
.dealer-feature .steps li:last-child {
  border-bottom:0}
.dealer-feature .steps p {
  font-size:14px;
  margin:0}
.dealer-feature .steps h3 {
  font-size:18px;
  margin-bottom:5px}
.license {
  background:#eef3f9;
  padding:44px 0;
  border:0}
.license .wrap {
  display:grid;
  grid-template-columns:1fr 1.4fr;
  gap:50px;
  align-items:center}
.license h2 {
  font-size:23px;
  max-width:20ch}
.license p {
  font-size:13px;
  line-height:1.7;
  color:var(--muted);
  margin:0}
.license dl {
  margin:0}
.license dt {
  font-size:12px}
.license dd {
  font-size:20px;
  font-weight:700}
.license dd small {
  font-size:11px}
.faq {
  display:grid;
  grid-template-columns:.9fr 1.2fr;
  gap:100px}
.faq details {
  border-bottom:1px solid var(--rule);
  padding:19px 0}
.faq details:first-child {
  border-top:1px solid var(--rule)}
.faq summary {
  font-weight:700;
  cursor:pointer;
  list-style:none;
  position:relative;
  padding-right:26px;
  font-size:15px;
  color:var(--ink)}
.faq summary:after {
  content:"+";
  position:absolute;
  right:0;
  font-size:22px;
  top:-5px;
  color:var(--accent)}
.faq details[open] summary:after {
  content:"−"}
.faq details p {
  font-size:14px;
  color:var(--muted);
  margin:14px 0 0}
.faq summary::-webkit-details-marker {
  display:none}
.cta {
  background:#f4f7fb;
  padding:48px 0;
  border-top:1px solid var(--rule)}
.cta .wrap {
  display:flex;
  justify-content:space-between;
  gap:24px;
  align-items:center}
.cta h2 {
  margin:0;
  font-size:30px}
.foot {
  background:var(--ink);
  color:#c1cde0;
  padding:55px 0 24px}
.foot h3 {
  font-family:var(--body);
  font-size:14px;
  color:#fff;
  letter-spacing:0}
.foot a {
  color:#c1cde0;
  font-size:14px}
.foot a:hover {
  color:#fff}
.foot .addr {
  font-size:14px}
.foot .legal {
  border-color:#ffffff22;
  font-size:11px;
  color:#aab9cf;
  line-height:1.8}
.footer-logo {
  display:inline-block;
  background:white;
  padding:8px 14px;
  border-radius:4px;
  margin-bottom:16px}
.footer-logo img {
  width:84px;
  height:84px;
  object-fit:contain}
.foot-note {
  font-size:13px}
.page-head {
  background:#edf3fa;
  padding:60px 0}
.page-head h1 {
  font-size:clamp(2.5rem,5vw,4rem);
  max-width:24ch}
.page-head p {
  max-width:65ch;
  font-size:18px;
  color:var(--muted)}
.prose h2 {
  font-size:25px;
  margin-top:32px}
.prose h2:first-child {
  margin-top:0}
.prose {
  min-width:0}
.prose li {
  margin-bottom:8px}
.table-scroll {
  overflow-x:auto;
  max-width:100%}
.plain {
  min-width:480px;
  font-size:14px}
.plain a {
  white-space:nowrap}
.service-list li {
  border:1px solid var(--rule);
  border-radius:8px;
  padding:24px;
  margin-bottom:16px}
.service-list h3 {
  font-size:19px}
.service-list p {
  font-size:14px;
  margin:0}
.notice,.notice-green {
  background:#edf3fa;
  border-left:3px solid var(--ink);
  border-radius:5px;
  font-size:14px}
.hidden {
  display:none!important}
.btn:disabled {
  opacity:.65;
  cursor:wait}
.field input:user-invalid,.field textarea:user-invalid {
  border-color:#c9162b}
.form-disclaimer {
  font-size:12px;
  color:var(--muted);
  margin-top:12px}
.grid-2>* , .contact-grid>*  {
  min-width:0}

@media(min-width:1051px) {
  .menu-btn {
  display:none}
.nav {
  display:flex;
  position:static;
  flex-direction:row;
  padding:0;
  border:0}
.top {
  position:sticky}
}

@media(max-width:1050px) {
  .menu-btn {
  display:inline-flex}
.top .wrap {
  min-height:82px}
.nav {
  display:none;
  position:absolute;
  top:100%;
  left:0;
  right:0;
  background:#fff;
  border-bottom:1px solid var(--rule);
  padding:12px 28px 20px;
  flex-direction:column;
  align-items:stretch;
  z-index:60}
.nav.open {
  display:flex}
.nav a {
  padding:12px}
.nav .call {
  margin:8px 0 0;
  text-align:center}
.hero .wrap {
  gap:35px}
.hero h1 {
  font-size:46px}
.license .wrap {
  gap:30px}
.dealer-feature .grid-2,.faq {
  gap:45px}
}

@media(max-width:800px) {
  :root {
  --gutter:22px}
.utility .wrap>span:first-child {
  display:none}
.utility .wrap {
  justify-content:center}
.hero {
  padding:42px 0;
  background:#f3f7fc}
.hero .wrap {
  grid-template-columns:1fr;
  gap:40px}
.hero-copy {
  max-width:600px}
.hero h1 {
  font-size:clamp(2.6rem,8vw,3.6rem)}
.hero .lead {
  font-size:17px}
.local-image {
  max-width:100%}
.quote-card {
  max-width:600px;
  width:100%}
.carriers {
  justify-content:center;
  gap:20px 28px}
.carriers li {
  font-size:19px}
.section {
  padding:52px 0}
.grid-3,.grid-2,.contact-grid,.faq {
  grid-template-columns:1fr;
  gap:26px}
.coverage-card {
  min-height:0}
.card-number {
  margin-bottom:22px}
.license .wrap {
  grid-template-columns:1fr;
  gap:26px}
.license h2 {
  max-width:none}
.license dl {
  grid-template-columns:repeat(3,minmax(0,1fr))}
.dealer-feature .grid-2 {
  grid-template-columns:1fr;
  gap:22px}
.cta .wrap {
  align-items:flex-start;
  flex-direction:column}
.foot .cols {
  grid-template-columns:1fr 1fr;
  gap:30px}
.page-head {
  padding:42px 0}
.page-head p {
  font-size:16px}
.quote-card header {
  padding:24px 22px 12px}
.quote-card form {
  padding:8px 22px 24px}
}

@media(max-width:480px) {
  .utility-language {
  display:none}
.hero-proof {
  gap:22px}
.hero-proof span {
  font-size:12px}
.hero-actions {
  gap:20px}
.row-2 {
  grid-template-columns:1fr}
.license dl {
  grid-template-columns:1fr;
  gap:16px}
.license dl>div {
  padding:0}
.brand img {
  width:52px;
  height:52px}
.brand b,.brand b span {
  font-size:18px}
.foot .cols {
  grid-template-columns:1fr 1fr}
.foot .cols>div:first-child {
  grid-column:1/-1}
.actions {
  flex-wrap:wrap}
.eyebrow {
  font-size:11px}
.card-number {
  font-size:11px}
}

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