*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:'Open Sans',system-ui,sans-serif;background:#F8F6F2;color:#1B2A4A;margin:0;-webkit-font-smoothing:antialiased}
:root{--navy:#1B2A4A;--navy-deep:#111d35;--gold:#C8922A;--gold-lt:#e0a93a;--warm-white:#F8F6F2;--brick:#8B3A2A;--soft-gray:#9EA3A8;--border:#e2dfd8;--nav-h:80px}
.grain::after{content:'';position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.045'/%3E%3C/svg%3E");background-size:200px 200px;pointer-events:none;z-index:1}
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
.anim-1{opacity:0;animation:fadeUp .65s cubic-bezier(.22,1,.36,1) .05s forwards}.anim-2{opacity:0;animation:fadeUp .65s cubic-bezier(.22,1,.36,1) .15s forwards}.anim-3{opacity:0;animation:fadeUp .65s cubic-bezier(.22,1,.36,1) .25s forwards}.anim-4{opacity:0;animation:fadeUp .65s cubic-bezier(.22,1,.36,1) .35s forwards}.anim-5{opacity:0;animation:fadeUp .65s cubic-bezier(.22,1,.36,1) .45s forwards}.anim-form{opacity:0;animation:fadeUp .7s cubic-bezier(.22,1,.36,1) .2s forwards}
.reveal{opacity:0;transform:translateY(32px);transition:opacity .6s cubic-bezier(.22,1,.36,1),transform .6s cubic-bezier(.22,1,.36,1)}.reveal.visible{opacity:1;transform:translateY(0)}
#main-nav{position:fixed;top:0;left:0;right:0;z-index:100;background:var(--navy);height:var(--nav-h);transition:box-shadow .3s}#main-nav.scrolled{box-shadow:0 4px 24px rgba(27,42,74,.3)}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 32px;height:100%;display:flex;align-items:center;justify-content:space-between;gap:16px}
.nav-logo{display:flex;align-items:center;flex-shrink:0}.nav-logo img{height:44px;width:auto;filter:brightness(0) invert(1)}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}.nav-links>li{position:relative}
.nav-links>li>a,.nav-links>li>button{display:flex;align-items:center;gap:4px;color:rgba(255,255,255,.75);font-family:'Montserrat',sans-serif;font-weight:600;font-size:.8125rem;letter-spacing:.02em;padding:8px 12px;border-radius:4px;border:none;background:none;cursor:pointer;white-space:nowrap;text-decoration:none;transition:color .2s,background .2s}
.nav-links>li>a:hover,.nav-links>li>button:hover,.nav-links>li>a.active,.nav-links>li>a:focus-visible,.nav-links>li>button:focus-visible{color:#fff;background:rgba(255,255,255,.08);outline:none}
.nav-caret{width:12px;height:12px;transition:transform .25s}.nav-dropdown-trigger[aria-expanded="true"] .nav-caret{transform:rotate(180deg)}
.nav-dropdown{position:absolute;top:calc(100% + 8px);left:0;background:#fff;border-radius:6px;padding:8px;min-width:220px;box-shadow:0 8px 32px rgba(27,42,74,.18),0 2px 8px rgba(27,42,74,.1);opacity:0;transform:translateY(-8px);pointer-events:none;transition:opacity .2s,transform .2s;list-style:none;margin:0}
.nav-dropdown.open{opacity:1;transform:translateY(0);pointer-events:all}
.nav-dropdown a{display:block;color:var(--navy);font-family:'Montserrat',sans-serif;font-weight:500;font-size:.8125rem;padding:8px 12px;border-radius:4px;text-decoration:none;transition:background .15s,color .15s}.nav-dropdown a:hover{background:var(--warm-white);color:var(--gold)}
.nav-phone{display:flex;align-items:center;gap:6px;color:var(--gold);font-family:'Montserrat',sans-serif;font-weight:700;font-size:.875rem;text-decoration:none;white-space:nowrap;transition:color .2s}.nav-phone:hover{color:var(--gold-lt)}.nav-phone svg{flex-shrink:0}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px;border-radius:4px}.nav-hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:transform .3s,opacity .3s}
.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-hamburger.open span:nth-child(2){opacity:0}.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
#mobile-menu{display:none;position:fixed;top:var(--nav-h);left:0;right:0;background:var(--navy-deep);z-index:99;max-height:calc(100vh - var(--nav-h));overflow-y:auto;border-top:1px solid rgba(255,255,255,.08)}#mobile-menu.open{display:block}
.mobile-nav-section{border-bottom:1px solid rgba(255,255,255,.06)}.mobile-nav-item{display:flex;align-items:center;justify-content:space-between;color:rgba(255,255,255,.8);font-family:'Montserrat',sans-serif;font-weight:600;font-size:.9rem;padding:14px 24px;text-decoration:none;border:none;background:none;width:100%;text-align:left;cursor:pointer}.mobile-nav-item:hover{color:#fff;background:rgba(255,255,255,.04)}
.mobile-sub{display:none;background:rgba(0,0,0,.2)}.mobile-sub.open{display:block}.mobile-sub a{display:block;color:rgba(255,255,255,.6);font-family:'Montserrat',sans-serif;font-size:.8125rem;font-weight:500;padding:10px 24px 10px 36px;text-decoration:none}.mobile-sub a:hover{color:var(--gold)}
@media(max-width:1023px){.nav-links,.nav-phone{display:none}.nav-hamburger{display:flex}}@media(min-width:1024px){#mobile-menu{display:none!important}}
.page-top{padding-top:var(--nav-h)}
.page-hero{background:var(--navy);position:relative;overflow:hidden;padding:80px 32px 60px;text-align:center}.page-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 60% 30%,rgba(200,146,42,.08) 0%,transparent 60%);pointer-events:none}
.page-hero-content{position:relative;z-index:2;max-width:760px;margin:0 auto}.page-hero-content .anim-4{display:flex;flex-wrap:wrap;gap:16px;justify-content:center}
.page-hero h1{font-family:'Merriweather',serif;font-weight:900;color:#fff;font-size:clamp(1.875rem,4vw,2.75rem);letter-spacing:-.025em;line-height:1.2;margin:12px 0 16px}.page-hero p{color:rgba(255,255,255,.65);font-size:1.0625rem;line-height:1.75;margin:0 0 28px}
.page-hero-eyebrow{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;color:var(--gold);letter-spacing:.1em;text-transform:uppercase}
.section{padding:80px 32px}.section-sm{padding:56px 32px}.container{max-width:1200px;margin:0 auto}.container-sm{max-width:860px;margin:0 auto}.container-md{max-width:1040px;margin:0 auto}
.section-eyebrow{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;color:var(--gold);letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:12px}
.section-heading{font-family:'Merriweather',serif;font-weight:900;font-size:clamp(1.75rem,3vw,2.5rem);letter-spacing:-.025em;color:var(--navy);line-height:1.2;margin:0 0 16px}.section-heading-white{color:#fff}
.section-subtext{color:var(--soft-gray);font-size:1.0625rem;line-height:1.75;margin:0 0 40px}
.gold-rule{width:56px;height:3px;background:var(--gold);border-radius:2px;margin-bottom:40px}.gold-rule-center{margin-left:auto;margin-right:auto}
.btn-gold{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:.875rem;padding:14px 32px;border-radius:4px;border:none;cursor:pointer;text-decoration:none;transition:background .2s,transform .15s,box-shadow .2s;box-shadow:0 4px 16px rgba(200,146,42,.35),0 1px 4px rgba(200,146,42,.2)}
.btn-gold:hover{background:var(--gold-lt);transform:translateY(-1px);box-shadow:0 8px 24px rgba(200,146,42,.4)}.btn-gold:active{transform:translateY(0)}.btn-gold:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.btn-gold-outline{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:transparent;color:var(--gold);font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:.875rem;padding:12px 28px;border-radius:4px;border:2px solid var(--gold);cursor:pointer;text-decoration:none;transition:background .2s,color .2s,transform .15s}
.btn-gold-outline:hover{background:var(--gold);color:#fff;transform:translateY(-1px)}.btn-gold-outline:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.btn-navy-outline{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:transparent;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:.875rem;padding:12px 28px;border-radius:4px;border:2px solid rgba(255,255,255,.4);cursor:pointer;text-decoration:none;transition:border-color .2s,background .2s,transform .15s}
.btn-navy-outline:hover{border-color:#fff;background:rgba(255,255,255,.08);transform:translateY(-1px)}
.form-label{display:block;font-family:'Montserrat',sans-serif;font-weight:600;font-size:.8125rem;color:var(--navy);margin-bottom:6px}
.form-field{width:100%;padding:12px 16px;border:1.5px solid var(--border);border-radius:4px;font-family:'Open Sans',sans-serif;font-size:.9375rem;color:var(--navy);background:#fff;transition:border-color .2s,box-shadow .2s;outline:none;appearance:none}.form-field:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,146,42,.12)}.form-field::placeholder{color:var(--soft-gray)}.form-group{margin-bottom:16px}
.lead-card{background:#fff;border-radius:8px;padding:32px;border-top:4px solid var(--gold);box-shadow:0 4px 24px rgba(27,42,74,.12),0 24px 64px rgba(27,42,74,.08)}.lead-card-title{font-family:'Merriweather',serif;font-weight:700;font-size:1.375rem;color:var(--navy);margin:0 0 4px}.lead-card-sub{color:var(--soft-gray);font-size:.875rem;margin:0 0 20px}
.card{background:#fff;border-radius:8px;box-shadow:0 2px 8px rgba(27,42,74,.06),0 8px 24px rgba(27,42,74,.08);transition:transform .25s cubic-bezier(.22,1,.36,1),box-shadow .25s}.card:hover{transform:translateY(-4px);box-shadow:0 4px 16px rgba(27,42,74,.1),0 16px 48px rgba(27,42,74,.12)}
.card-dark{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:8px;transition:transform .25s cubic-bezier(.22,1,.36,1),background .2s}.card-dark:hover{transform:translateY(-4px);background:rgba(255,255,255,.08)}
.step-num{width:60px;height:60px;background:linear-gradient(135deg,var(--gold),var(--gold-lt));border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Merriweather',serif;font-weight:900;font-size:1.5rem;color:#fff;flex-shrink:0;box-shadow:0 6px 20px rgba(200,146,42,.35)}
.trust-check{width:22px;height:22px;background:rgba(200,146,42,.12);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.vet-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(200,146,42,.12);border:1px solid rgba(200,146,42,.3);border-radius:100px;padding:6px 16px 6px 10px;font-family:'Montserrat',sans-serif;font-size:.75rem;font-weight:700;color:var(--gold);letter-spacing:.06em;text-transform:uppercase}
.stars{color:var(--gold);letter-spacing:2px}
.faq-item{background:#fff;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;margin-bottom:8px}
.faq-trigger{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;background:none;border:none;cursor:pointer;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9375rem;color:var(--navy);text-align:left;transition:color .2s}.faq-trigger:hover{color:var(--gold)}.faq-trigger:focus-visible{outline:2px solid var(--gold)}
.faq-icon{width:20px;height:20px;color:var(--gold);flex-shrink:0;transition:transform .3s cubic-bezier(.22,1,.36,1)}.faq-icon.open{transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.22,1,.36,1)}.faq-answer.open{max-height:400px}.faq-answer-inner{padding:0 20px 18px;color:var(--soft-gray);line-height:1.75;font-size:.9375rem}
.situation-tag{background:#fff;border:1.5px solid var(--border);border-radius:6px;padding:14px 16px;display:flex;align-items:center;gap:10px;font-family:'Montserrat',sans-serif;font-weight:600;font-size:.875rem;color:var(--navy);text-decoration:none;transition:border-color .2s,background .2s,transform .2s}.situation-tag:hover{border-color:var(--gold);background:#fffdf9;transform:translateX(4px)}
.area-chip{background:rgba(255,255,255,.08);border:1px solid rgba(200,146,42,.3);color:rgba(232,228,220,.9);font-family:'Montserrat',sans-serif;font-size:.8125rem;font-weight:600;padding:8px 18px;border-radius:100px;letter-spacing:.03em;transition:background .2s,border-color .2s,color .2s}.area-chip:hover{background:rgba(200,146,42,.15);border-color:var(--gold);color:var(--gold)}
.compare-table{width:100%;border-collapse:collapse}.compare-table th{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.875rem;letter-spacing:.04em;text-transform:uppercase;padding:16px 20px}.compare-table th.col-us{background:var(--navy);color:var(--gold)}.compare-table th.col-agent{background:#f0ede8;color:var(--soft-gray)}.compare-table th.col-label{background:transparent}
.compare-table td{padding:14px 20px;font-size:.9375rem;border-bottom:1px solid var(--border);vertical-align:middle}.compare-table tr:last-child td{border-bottom:none}.compare-table td.col-label{font-family:'Montserrat',sans-serif;font-weight:600;color:var(--navy)}.compare-table td.col-us{background:rgba(27,42,74,.04);color:var(--navy);font-weight:600}.compare-table td.col-agent{color:var(--soft-gray)}.compare-table td.check-yes{color:#2d6a4f;font-weight:700}.compare-table td.check-no{color:var(--brick);font-weight:600}
.mobile-cta-bar{position:fixed;bottom:0;left:0;right:0;z-index:50;background:var(--navy-deep);padding:12px 20px;display:none;gap:10px;border-top:2px solid rgba(200,146,42,.4);box-shadow:0 -4px 24px rgba(27,42,74,.3)}@media(max-width:767px){.mobile-cta-bar{display:flex}body{padding-bottom:68px}}
#site-footer{background:var(--navy-deep);border-top:1px solid rgba(255,255,255,.05);padding:64px 32px 32px}.footer-inner{max-width:1280px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}.footer-logo img{height:40px;width:auto;filter:brightness(0) invert(1);margin-bottom:16px}.footer-tagline{color:rgba(255,255,255,.4);font-size:.875rem;line-height:1.75;max-width:280px}.footer-divider{width:48px;height:2px;background:linear-gradient(90deg,var(--gold),transparent);margin:16px 0}
.footer-col-title{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin:0 0 16px}.footer-links{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}.footer-links a{color:rgba(255,255,255,.45);font-size:.875rem;text-decoration:none;transition:color .2s}.footer-links a:hover{color:var(--gold)}
.footer-contact-item{display:flex;align-items:flex-start;gap:8px;color:rgba(255,255,255,.45);font-size:.875rem;margin-bottom:10px;text-decoration:none;transition:color .2s}.footer-contact-item:hover{color:var(--gold)}.footer-contact-item svg{flex-shrink:0;color:rgba(200,146,42,.6);margin-top:2px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.05);padding-top:24px;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px}.footer-bottom p{color:rgba(255,255,255,.2);font-size:.75rem;margin:0}
::-webkit-scrollbar{width:6px}::-webkit-scrollbar-track{background:var(--warm-white)}::-webkit-scrollbar-thumb{background:var(--gold);border-radius:3px}
a[href^="tel"]{text-decoration:none}
.resp-grid-2{display:grid;grid-template-columns:1fr;gap:32px}.resp-grid-3{display:grid;grid-template-columns:1fr;gap:24px}.resp-grid-4{display:grid;grid-template-columns:1fr;gap:16px}.resp-form-2{display:grid;grid-template-columns:1fr;gap:12px}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.table-scroll .mini-compare-wrap{min-width:480px}
@media(min-width:480px){.resp-form-2{grid-template-columns:1fr 1fr}}@media(min-width:640px){.resp-grid-2{grid-template-columns:1fr 1fr;gap:48px}.resp-grid-3{grid-template-columns:repeat(3,1fr)}.resp-grid-4{grid-template-columns:repeat(2,1fr);gap:20px}}@media(min-width:768px){.resp-grid-4{grid-template-columns:repeat(4,1fr)}}@media(min-width:1024px){.resp-grid-2{gap:64px}}
@media(max-width:639px){.mob-stack{grid-template-columns:1fr!important;gap:24px!important}.mob-stack-sm{grid-template-columns:1fr!important;gap:16px!important}}
@media(max-width:1023px){.nav-inner{padding:0 20px}.section{padding:60px 20px}.page-hero{padding:60px 20px 48px}#site-footer{padding:48px 20px 28px}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:639px){.section{padding:48px 16px}.section-sm{padding:40px 16px}.footer-grid{grid-template-columns:1fr}#site-footer{padding:40px 16px 24px}.lead-card{padding:24px 20px}.page-hero-content .btn-gold,.page-hero-content .btn-navy-outline{width:100%;justify-content:center}.section-heading{font-size:1.5rem}.lead-card-title{font-size:1.2rem}}