:root{--navy:#062d5a;--navy2:#001f45;--red:#cf111c;--gold:#ffc800;--ink:#0c2442;--muted:#5f6e7e;--line:#d9e1e8;--light:#f5f7fa;--white:#fff;--shadow:0 10px 26px rgba(0,33,69,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.45;background:#fff}a{color:var(--navy)}img{max-width:100%}.wrap{width:min(1180px,94%);margin:auto}.flagbar{height:4px;background:linear-gradient(90deg,var(--red) 0 33%,#fff 33% 66%,var(--navy) 66%)}
.topbar{background:linear-gradient(90deg,#062d5a,#001e42);color:white;font-size:14px}.topbar-inner{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:20px}.topbar a{color:#fff;text-decoration:none;font-weight:700}.top-contact{display:flex;gap:14px;align-items:center}.sep{opacity:.5}
.site-header{background:#fff;box-shadow:0 1px 0 rgba(0,0,0,.08);position:relative;z-index:30}.masthead{min-height:136px;display:grid;grid-template-columns:minmax(260px,400px) 1fr 310px;align-items:center;gap:28px}.brand{display:block}.brand img{display:block;max-height:118px;width:auto}.mast-trust{display:flex;align-items:center;justify-content:flex-end;gap:12px;border-right:1px solid #d7dee6;padding-right:34px}.secure-badge{border:3px solid var(--navy);width:44px;height:44px;border-radius:12px;display:grid;place-items:center;font-size:20px}.mast-trust strong{font-size:17px}.mast-trust small,.mast-phone small{display:block;color:#394a5d;margin-top:4px}.mast-phone{text-align:center}.mast-phone span{display:block;font-weight:700}.mast-phone a{display:block;color:var(--red);font-size:29px;font-weight:900;text-decoration:none;line-height:1.05;margin:5px 0}.navband{background:linear-gradient(90deg,#042d5e,#00244f)}.nav{min-height:50px;display:flex;align-items:center}.menu{display:flex;width:100%;justify-content:space-between;align-items:center}.menu a{color:white;text-decoration:none;font-size:14px;font-weight:800;text-transform:uppercase;padding:16px 11px}.menu a:hover,.menu a[aria-current="page"]{background:var(--red)}.nav-toggle{display:none;color:white;background:transparent;border:0;font-weight:800;font-size:16px;padding:14px 0}
.btn{display:inline-flex;flex-direction:column;justify-content:center;align-items:center;border:0;border-radius:6px;padding:12px 20px;text-decoration:none;font-weight:900;line-height:1.05;box-shadow:0 5px 12px rgba(0,0,0,.08)}.btn span{font-size:11px;font-weight:500;margin-top:4px}.btn-red{background:linear-gradient(#e01924,#c90913);color:#fff}.btn-navy{background:linear-gradient(#063d78,#032a57);color:#fff}.btn-white{background:#fff;color:var(--red)}.btn-gold{background:var(--gold);color:var(--navy);box-shadow:none}.btn-primary{background:var(--red);color:#fff}.btn-secondary{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.home-hero{position:relative;overflow:hidden;background:linear-gradient(90deg,#fff 0 48%,#f7f9fc 48%);padding:34px 0 30px}.home-hero:before{content:"";position:absolute;left:0;top:0;width:43%;height:100%;background:radial-gradient(circle at 8% 8%,rgba(255,255,255,.95),transparent 24%),repeating-linear-gradient(155deg,rgba(207,17,28,.06) 0 28px,transparent 28px 56px);opacity:.65}.hero-grid{position:relative;display:grid;grid-template-columns:.92fr 1.16fr;gap:34px;align-items:center}.flag-stars{color:#aeb9c8;letter-spacing:12px;font-size:26px}.hero-copy h1{font-size:clamp(38px,4.6vw,58px);line-height:.98;margin:8px 0 20px;color:#062d5a;letter-spacing:-1.5px}.hero-copy h1 span{color:var(--red)}.hero-copy>p{font-size:20px;line-height:1.35;margin:0 0 20px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-actions .btn{min-width:194px}.hero-note{font-size:14px;font-weight:700;margin-top:18px}.video-card{background:white;padding:8px;border:1px solid #8794a1;border-radius:8px;box-shadow:var(--shadow)}.video-shell{position:relative;aspect-ratio:16/9;background:linear-gradient(135deg,#dfe8f2,#8ba1b9);overflow:hidden;border-radius:4px}.video-shell video{width:100%;height:100%;background:#101820}.video-placeholder{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;background:linear-gradient(160deg,#dae5f1,#819ab4);text-align:center;color:#102e50;gap:8px}.video-placeholder img{width:min(58%,360px);max-height:130px;object-fit:contain;mix-blend-mode:multiply}.video-placeholder strong{font-size:20px}.video-placeholder code{background:rgba(255,255,255,.7);padding:2px 4px}.video-note{font-size:12px;color:#667587;padding:7px 5px 1px}
.benefits{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:22px 0}.benefit{display:flex;gap:13px;padding:0 22px;border-right:1px solid var(--line)}.benefit:first-child{padding-left:0}.benefit:last-child{border-right:0;padding-right:0}.benefit-icon{font-size:42px}.benefit strong{font-size:13px}.benefit p{font-size:12px;margin:6px 0 0;color:#24384d}
.nationwide{background:linear-gradient(120deg,#04366c,#001f45);color:white;padding:32px 0}.nationwide-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:40px}.nationwide h2{font-size:31px;line-height:1.05;margin:0 0 16px}.nationwide p{max-width:560px}.states-badge{justify-self:center;border:3px solid white;border-radius:22px;padding:20px 52px;text-align:center;background:rgba(255,255,255,.05);box-shadow:inset 0 0 50px rgba(255,255,255,.06)}.states-badge .big{font-size:78px;font-weight:900;line-height:.85}.states-badge>div:nth-child(2){font-size:24px;font-weight:900;letter-spacing:5px}.states-badge small{display:block;margin-top:5px;color:#d5e3f2}
.home-cards{padding:14px 0 20px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.feature-card{border:1px solid var(--line);border-radius:7px;overflow:hidden;background:#fff;box-shadow:0 3px 8px rgba(0,0,0,.04)}.card-art{height:120px;display:grid;place-items:center;font-size:58px;font-weight:900}.flag-art{background:linear-gradient(160deg,#142c58,#e8edf3);color:#fff}.calc-art{background:linear-gradient(145deg,#dfe4ea,#9ca7b2);color:#1d2f44}.family-art{background:linear-gradient(145deg,#dce8d9,#8daf7e);color:#fff}.card-body{padding:15px}.card-body h3{margin:0 0 7px;font-size:20px}.card-body p{font-size:14px;margin:0 0 10px}.card-body a{color:var(--red);font-weight:800;text-decoration:none}.review-strip{background:#f4f6f8;padding:30px 0;text-align:center}.review-strip h2{margin:0 0 8px}
.page-hero{background:linear-gradient(115deg,#eef4fa,#fff);padding:46px 0;border-bottom:1px solid var(--line)}.page-hero h1{margin:0;color:var(--navy);font-size:clamp(34px,5vw,52px)}.breadcrumbs{font-size:13px;color:#667587;margin-bottom:10px}.section{padding:56px 0}.section.alt{background:#f6f8fa}.section h2{color:var(--navy);font-size:32px;margin:0 0 12px}.lead{font-size:18px;color:#536476;max-width:850px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:34px}.card{border:1px solid var(--line);border-radius:10px;background:#fff;padding:22px;box-shadow:var(--shadow)}.card h3{color:var(--navy)}.icon{width:48px;height:48px;border-radius:10px;background:#e9f0f7;display:grid;place-items:center;font-weight:900;color:var(--navy)}.callout{background:var(--navy);color:#fff;border-radius:10px;padding:28px}.checklist li{margin:8px 0}.pill{display:inline-block;background:#e9f0f7;padding:5px 10px;border-radius:30px;font-weight:800;font-size:12px}.rate-table{width:100%;border-collapse:collapse;background:#fff;box-shadow:var(--shadow);overflow:hidden;border-radius:10px}.rate-table th,.rate-table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left}.rate-table th{background:var(--navy);color:white}.small{font-size:12px;color:#6c7a89}.calculator{border:1px solid var(--line);border-radius:10px;padding:24px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field label{display:block;font-weight:800;margin-bottom:5px}.field input,.field select,.field textarea{width:100%;padding:11px;border:1px solid #b7c2ce;border-radius:6px;font:inherit}.result{margin-top:18px;background:#edf4fa;border-left:5px solid var(--navy);padding:16px}.notice{border:1px solid #e5c989;background:#fff8e7;padding:15px;border-radius:8px}.faq details{padding:14px 0;border-bottom:1px solid var(--line)}.faq summary{font-weight:800}.link-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.link-card{border:1px solid var(--line);border-radius:8px;padding:18px;text-decoration:none}.link-card strong{display:block;color:var(--navy)}
.cta-band{background:linear-gradient(90deg,#d20c15,#b90811);color:white;padding:14px 0}.cta-inner{display:grid;grid-template-columns:72px 1fr 220px 220px;gap:18px;align-items:center}.cta-star{width:58px;height:58px;border:3px solid white;border-radius:50%;display:grid;place-items:center;font-size:28px}.cta-copy h2{margin:0;font-size:22px}.cta-copy div{font-size:13px}.cta-band .btn{min-height:56px}.independence{background:#f1f1f1;color:#1b2e42;text-align:center;font-size:12px;padding:8px 0}.independence span{margin:0 24px;color:#87919b}
.footer{background:white;color:#102c4d;padding:22px 0 0}.footer-grid{display:grid;grid-template-columns:1.15fr 1.5fr .8fr 1fr;gap:24px;align-items:start}.footer-brand img{max-height:80px;width:auto}.footer-brand p{font-size:11px;margin:3px 0}.footer h4{font-size:12px;margin:0 0 8px}.footer-links{display:grid;grid-template-columns:repeat(2,1fr);gap:4px 18px}.footer a{text-decoration:none;color:#102c4d;font-size:12px}.footer p{font-size:12px}.secure-footer{display:flex;gap:10px}.lock{font-size:30px}.legal{margin-top:18px;padding:9px 0;background:#012852;color:#fff;text-align:center;font-size:10px;position:relative;left:50%;width:100vw;transform:translateX(-50%)}.legal a{color:#fff}.legal span{margin:0 12px}
@media(max-width:980px){.masthead{grid-template-columns:1fr 1fr}.mast-trust{display:none}.menu{display:none;position:absolute;left:0;right:0;top:100%;background:#032b58;flex-direction:column;align-items:stretch}.menu.open{display:flex}.menu a{padding:12px 4%}.nav-toggle{display:block}.navband{position:relative}.hero-grid,.nationwide-grid,.two-col{grid-template-columns:1fr}.benefit-grid{grid-template-columns:1fr 1fr;gap:18px}.benefit{border-right:0}.cta-inner{grid-template-columns:60px 1fr}.cta-inner .btn{grid-column:auto}.footer-grid{grid-template-columns:1fr 1fr}.states-badge{justify-self:start}.home-hero{background:white}}
@media(max-width:640px){.topbar-inner{display:block;text-align:center;padding:7px 0}.top-contact{justify-content:center;margin-top:4px;flex-wrap:wrap}.masthead{display:block;text-align:center;padding:10px 0}.brand img{margin:auto;max-height:105px}.mast-phone{margin-top:8px}.mast-phone a{font-size:24px}.hero-copy h1{font-size:39px}.hero-copy>p{font-size:18px}.benefit-grid,.cards,.footer-grid,.link-cards{grid-template-columns:1fr}.benefit{padding:10px 0}.cta-inner{grid-template-columns:1fr;text-align:center}.cta-star{margin:auto}.cta-band .btn{width:100%}.form-grid{grid-template-columns:1fr}.states-badge{justify-self:center}.footer-brand{text-align:center}.independence span{display:none}.top-contact .sep{display:none}}