:root{--background:#fff;--foreground:#183743;--card:#fff;--card-foreground:#183743;--popover:#fff;--popover-foreground:#183743;--primary:#174e66;--primary-foreground:#fff;--secondary:#edf4f7;--secondary-foreground:#183743;--muted:#edf4f7;--muted-foreground:#536771;--accent:#edf4f7;--accent-foreground:#183743;--destructive:#a12828;--border:#cad7dc;--input:#cad7dc;--ring:#237794;--radius:.4rem;--yellow:#f4df97}
@theme inline{--color-background:var(--background);--color-foreground:var(--foreground);--color-primary:var(--primary);--color-primary-foreground:var(--primary-foreground);--color-input:var(--input);--color-ring:var(--ring);--color-destructive:var(--destructive);--font-sans:"Avenir Next",Avenir,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:20px}body{margin:0;background:var(--background);color:var(--foreground);font-family:"Avenir Next",Avenir,"Segoe UI",sans-serif;font-size:16px;line-height:1.65}a{color:inherit}button,input{font:inherit}button,a,input,summary{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #b38015;outline-offset:4px}h1,h2,h3,p{margin:0}h1,h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.12;letter-spacing:-.04em}h2{font-size:clamp(2.1rem,3.7vw,3.2rem)}h3{font-size:1.1rem;line-height:1.4;font-weight:600}p{color:var(--muted-foreground)}em{font-weight:400}.eyebrow{font-size:.75rem;text-transform:uppercase;letter-spacing:.13em;font-weight:650;margin-bottom:22px}
.header{height:90px;max-width:1440px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:0 6%}.wordmark{font-family:Georgia,serif;font-size:1.75rem;text-decoration:none;letter-spacing:-.045em}.wordmark span{font-style:italic;color:#366a7b}.header nav{display:flex;gap:24px;align-items:center;font-size:.9rem}.header nav a{text-decoration:none}.header nav a:hover{text-decoration:underline}.nav-quote{font-weight:650;display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:10px 16px;border-radius:4px;background:var(--yellow);color:#183743;text-decoration:none}.nav-quote:hover{background:#ffe9a1;text-decoration:none}.skip{position:absolute;left:12px;top:-120px;z-index:100;background:#fff;color:#183743;padding:12px 16px;font-weight:650;text-decoration:underline;border-radius:4px;box-shadow:0 2px 8px #0003}.skip:focus,.skip:focus-visible{top:12px;outline:3px solid #b38015;outline-offset:3px}
.hero{display:grid;grid-template-columns:1.1fr .9fr;max-width:1440px;margin:auto;min-height:560px;background:#174e66}.hero-copy{padding:58px 9% 50px 11%;color:white;display:flex;align-items:flex-start;flex-direction:column;justify-content:center}.hero-copy .eyebrow{color:#d6e8f0}.hero h1{font-size:clamp(3.1rem,5.5vw,5rem);line-height:1.04}.hero h1 em{color:#e4edcd}.hero-description{color:#e1ebef;font-size:1.06rem;max-width:425px;margin-top:23px;line-height:1.7}.hero-photo{position:relative;min-height:500px;overflow:hidden}.hero-photo img{width:100%;height:100%;position:absolute;object-fit:cover;object-position:60% center}.photo-label{position:absolute;bottom:30px;left:30px;background:#fffffff0;padding:18px 23px;border-left:3px solid #174e66;display:flex;flex-direction:column}.photo-label span{font-family:Georgia,serif;font-size:1.5rem}.photo-label small{font-size:.8rem;color:#536771}
.quick-quote{width:100%;max-width:500px;margin-top:30px}.quote-phone-field{margin-bottom:14px}.email-label{display:block;font-size:.9rem;font-weight:600;margin-bottom:8px}.quote-details{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}.quote-details label{display:flex;flex-direction:column;gap:8px;font-size:.9rem;font-weight:600}.quote-details input{font-weight:400}.quote-entry{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px}.quick-quote input:not([aria-hidden]):not([type=radio]){width:100%;min-width:0;border:1px solid #c9d9df;border-radius:4px;padding:14px 15px;background:#fff;color:#183743;min-height:56px;font-size:1.0625rem}.quick-quote input::placeholder{color:#697d86}.quick-quote input:read-only{background:#f1f5f7}.button{display:inline-flex;align-items:center;justify-content:center;gap:15px;padding:14px 20px;min-height:56px;border:0;border-radius:4px;font-weight:650;font-size:1rem;text-decoration:none;transition:background .2s;background:var(--yellow);color:#183743}.button:hover{background:#ffe9a1}.prose .button{margin-top:8px}.quote-submit{background:var(--yellow);color:#183743;white-space:nowrap}.quote-submit:hover{background:#ffe9a1}.button:disabled{opacity:.65;cursor:not-allowed}.quote-hint{color:#e1ebef;font-size:.8rem;margin-top:12px}.error{color:#942222;background:#fff0f0;border:1px solid #e7b5b5;padding:13px;font-size:.9rem;margin-top:16px;border-radius:4px}.error:focus{outline:3px solid #b38015;outline-offset:3px}.quote-frequency-field[aria-invalid="true"] .quote-frequency-choices{outline:3px solid #f4df97;outline-offset:4px}.quote-success{margin-top:30px;padding:24px 0;max-width:430px}.quote-success h2{font-size:2rem;margin-top:15px}.quote-success p{color:#e1ebef;margin-top:15px;font-size:1rem}.quote-success:focus{outline:none}
.promise-strip{display:flex;justify-content:center;gap:50px;padding:23px 24px;border-bottom:1px solid #e0e8eb;font-size:.875rem}.promise-strip span{display:flex;gap:10px;align-items:center}.promise-strip svg{flex-shrink:0}.section{max-width:1240px;padding:80px 40px;margin:auto}.simple-process{display:grid;grid-template-columns:1fr 1fr;gap:90px}.section-intro p:last-child{margin-top:22px;max-width:365px}.steps{display:flex;flex-direction:column;gap:28px}.steps article{display:flex;gap:24px;align-items:flex-start}.step-num{flex-shrink:0;border:1px solid #c9d9df;border-radius:50%;width:34px;height:34px;display:grid;place-items:center;font-size:.875rem}.steps p{margin-top:7px;font-size:1rem}.faq{display:grid;grid-template-columns:1fr 1fr;gap:90px}.quote-faq{border-top:1px solid var(--border);padding-top:65px}.provider-note{max-width:360px;margin-top:20px;font-size:.95rem}.text-cta{display:inline-flex;gap:12px;align-items:center;min-height:44px;padding:8px 0;font-weight:650;font-size:1rem;margin-top:25px;text-underline-offset:5px}.faq details{border-bottom:1px solid var(--border);padding:19px 0}.faq details:first-child{padding-top:0}.faq summary{font-weight:600;cursor:pointer;padding-right:22px;font-size:1rem}.faq details p{margin-top:14px;font-size:1rem}.faq details p a{text-underline-offset:4px}.footer{border-top:1px solid var(--border);max-width:1360px;margin:auto;padding:30px 45px;display:flex;justify-content:space-between;gap:30px;align-items:center}.footer p{font-size:.8rem;margin-top:7px}.footer a:not(.wordmark){font-size:.875rem;text-underline-offset:4px}.footer nav{display:flex;flex-wrap:wrap;gap:10px 18px;justify-content:flex-end}
.prose{max-width:820px;margin:auto;padding:65px 25px 100px}.prose h1{font-size:3rem;margin-bottom:30px}.prose h2{font-size:1.65rem;margin:30px 0 12px}.prose p{margin:15px 0}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.stat{padding:20px;background:#edf4f7}.stat strong{display:block;font-size:2rem}.table-wrap{overflow:auto}table{border-collapse:collapse;font-size:.875rem;width:100%}td,th{padding:12px;text-align:left;border-bottom:1px solid var(--border)}
@media(min-width:1441px){.hero{border-radius:4px;overflow:hidden}}
@media(max-width:1000px){.hero-copy{padding:45px 35px}.hero h1{font-size:3.5rem}.hero-description{font-size:1rem}.quote-entry{grid-template-columns:1fr}.hero-photo{min-height:540px}.header{padding:0 30px}.section{padding:60px 30px}.simple-process,.faq{gap:45px}.promise-strip{gap:25px}.photo-label{left:20px;right:20px;padding:15px 20px}}
@media(max-width:650px){/* mobile CTA polish 2026-10-01-b */.header{height:72px;padding:0 22px}.wordmark{font-size:1.6rem}.header nav{gap:13px}.nav-quote{font-size:.875rem;min-height:44px;padding:10px 14px;white-space:nowrap}.hero{grid-template-columns:1fr;min-height:auto}.hero-copy{padding:34px 25px 32px}.hero-copy .eyebrow{font-size:.75rem;margin-bottom:18px}.hero h1{font-size:clamp(2.65rem,11.5vw,3.7rem)}.hero-description{font-size:1rem;margin-top:19px}.quick-quote{margin-top:23px}.quote-entry{gap:10px}.quick-quote input:not([aria-hidden]):not([type=radio]){min-height:54px}.button{min-height:54px}.quote-hint{font-size:.8rem;margin-top:10px}.hero-photo{min-height:245px}.photo-label{left:25px;right:auto;bottom:20px;padding:12px 17px}.photo-label span{font-size:1.25rem}.photo-label small{font-size:.75rem}.promise-strip{align-items:flex-start;justify-content:space-between;gap:12px;padding:20px 20px;font-size:.8rem;line-height:1.45}.promise-strip span{flex-direction:column;text-align:center;gap:8px;flex:1}.section{padding:45px 25px}.simple-process,.faq{grid-template-columns:1fr;gap:30px}.section-intro h2 br{display:none}.section-intro p:last-child{margin-top:17px}.steps{gap:23px}.steps article{gap:17px}.quote-faq{margin:0 25px;padding:40px 0}.provider-note{font-size:1rem}.footer{padding:28px 25px;align-items:flex-start;flex-direction:column;gap:20px}.stats{grid-template-columns:1fr 1fr}.prose h1{font-size:2.6rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.wordmark{display:inline-flex;flex-direction:column;line-height:.94;font-size:1.7rem}.wordmark span{font-size:1rem;letter-spacing:-.025em;margin-top:5px}.admin-actions{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}.admin-actions a{font-weight:600}.admin-tools button{border:1px solid var(--border);border-radius:4px;padding:6px 10px;background:#fff}.admin-tools button:disabled{opacity:.5}.admin-tools .error{color:#942222}.admin-note{margin:20px 0}

/* Keep the frequency choices in normal form flow, with explicit colours and sizing. */
.quote-frequency-field{border:0;padding:0;margin:18px 0 0;min-width:0}
.quote-frequency-field legend{padding:0;margin-bottom:10px;font-size:.9rem;font-weight:600;color:#fff}
.quote-frequency-choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.quote-frequency-choice{display:flex;align-items:center;gap:10px;min-width:0;min-height:62px;padding:12px;border:1px solid #c9d9df;border-radius:4px;background:#fff;color:#183743;cursor:pointer;font-size:.9375rem;line-height:1.35}
.quote-frequency-choice:hover{background:#edf4f7}
.quote-frequency-choice[data-selected="true"]{background:#f4df97;border-color:#f4df97;box-shadow:inset 0 0 0 1px #183743;font-weight:600}
.quote-frequency-choice:focus-within{outline:3px solid #f4df97;outline-offset:3px}
/* Perfect 18px circles — defeat flex stretch + .quick-quote input min-height */
.quote-frequency-choice .quote-frequency-radio,
.quote-frequency-choice input[type=radio]{
  appearance:none;-webkit-appearance:none;
  box-sizing:border-box;
  display:inline-block;
  width:18px;height:18px;min-width:18px;min-height:18px;max-width:18px;max-height:18px;
  flex:0 0 18px;flex-shrink:0;align-self:center;
  aspect-ratio:1;
  border:2px solid #536771;border-radius:50%;
  padding:0;margin:0;background:transparent;color:#183743;box-shadow:none;outline:none;
  vertical-align:middle;
}
.quote-frequency-radio[data-state="checked"],
.quote-frequency-choice input[type=radio]:checked{
  border-color:#183743;
  background:radial-gradient(circle,#183743 0 40%,transparent 41%);
}
.quote-frequency-radio [data-slot="radio-group-indicator"]{display:block;position:static;width:8px;height:8px;border-radius:50%;background:#183743}
.quote-frequency-radio [data-slot="radio-group-indicator"] svg{display:none}
.quote-submit-full{width:100%;margin-top:18px}

.quote-email-field{margin-bottom:0}
.quote-success svg{display:block;color:#e4edcd}
.check-icon{display:inline-block;width:17px;height:17px;flex-shrink:0}

.explore-guides{max-width:1240px;margin:0 auto 80px;padding:48px 40px;background:#edf4f7;border-radius:4px}
.explore-guides h2{margin-bottom:12px}
.explore-guides>p{max-width:560px;margin-bottom:20px}
.explore-guides h3{margin:28px 0 10px;font-size:1.05rem}
.explore-guides ul{margin:0;padding-left:1.2rem;columns:2;column-gap:40px}
.explore-guides li{margin:0 0 10px;break-inside:avoid}
.explore-guides a{text-underline-offset:4px}
.explore-guides .button{margin-top:28px}
.explore-guides .note{font-size:.9rem;margin-bottom:12px}
@media(max-width:650px){.explore-guides{margin:0 0 48px;padding:32px 25px;border-radius:0}.explore-guides ul{columns:1}}

.related{margin-top:36px;padding-top:22px;border-top:1px solid var(--border);font-size:.95rem}.related p{margin:0 0 12px;color:var(--muted-foreground);line-height:1.7}.related a{text-underline-offset:3px}
@media(max-width:650px){.related{font-size:.9rem}.related p{line-height:1.85}}