:root{--bg:#ffffff;--bg-soft:#f2f4f7;--text:#131a2a;--muted:#667085;--border:#e6e8ec;--navy:#16305e;--navy-dark:#0f2245;--yellow:#ffd02e;--yellow-dark:#f0c020;--accent:#16305e;--max:1120px}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:18px;background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}.nav{border-bottom:1px solid var(--border);position:-webkit-sticky;position:sticky;top:0;background:rgba(255,255,255,.9);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);z-index:50}.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px}.logo{font-weight:700;font-size:18px;letter-spacing:-.02em}.logo span{color:var(--accent)}.nav-links{display:flex;gap:28px;align-items:center}.nav-links a{font-size:16px;color:var(--muted);transition:color .15s}.nav-links a:hover{color:var(--text)}.btn{display:inline-block;padding:14px 26px;border-radius:10px;font-size:17px;font-weight:600;transition:all .15s}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy-dark)}.btn-quote{background:var(--yellow);color:var(--navy)}.btn-quote:hover{background:var(--yellow-dark)}.btn-outline{border:1px solid var(--border);color:var(--text)}.btn-outline:hover{border-color:var(--text)}.hero{padding:120px 0 80px;text-align:center}.hero-eyebrow{font-size:15px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:20px}.hero h1{font-size:clamp(44px,6.5vw,68px);font-weight:700;letter-spacing:-.03em;line-height:1.1;margin-bottom:24px}.hero p{font-size:21px;color:var(--muted);max-width:620px;margin:0 auto 36px}.hero-actions{display:flex;gap:12px;justify-content:center}.hero-img{display:block;width:100%;max-width:440px;height:auto;margin:48px auto 0}.hero-stats{display:flex;gap:48px;justify-content:center;margin-top:72px;padding-top:48px;border-top:1px solid var(--border)}.stat b{display:block;font-size:38px;font-weight:700;letter-spacing:-.02em}.stat span{font-size:15px;color:var(--muted)}.section{padding:96px 0}.section-soft{background:var(--bg-soft)}.section-head{max-width:680px;margin-bottom:56px}.section-head h2{font-size:clamp(30px,4vw,42px);font-weight:700;letter-spacing:-.02em;margin-bottom:16px}.section-head p{color:var(--muted);font-size:19px}.grid{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border)}.card{background:var(--bg-soft);padding:28px 24px;transition:background .15s}.card:hover{background:#e9edf2}.card-num{font-size:14px;color:var(--muted);font-feature-settings:"tnum";font-variant-numeric:tabular-nums;margin-bottom:12px}.card h3{font-size:19px;font-weight:600;letter-spacing:-.01em;margin-bottom:10px}.card p{font-size:16px;color:var(--muted);line-height:1.6}.card-img{width:100%;height:140px;object-fit:cover;border-radius:8px;background:var(--bg);margin-bottom:18px}.carriers{display:grid;grid-template-columns:repeat(5,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border)}.carrier{background:var(--bg-soft);height:96px;display:flex;align-items:center;justify-content:flex-start;padding:0 22px;gap:12px;font-size:16px;font-weight:600;color:var(--muted);letter-spacing:-.01em;transition:all .15s}.carrier:hover{color:var(--text);background:#e9edf2}.carrier-name{white-space:nowrap}.states-grid{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border)}.state-cell{background:var(--bg);padding:18px 20px;font-size:16px;color:var(--muted);transition:all .15s}.state-cell:hover{background:var(--bg-soft);color:var(--text)}.map-wrap{max-width:920px;margin:0 auto}.map-legend{display:flex;gap:24px;justify-content:center;margin-bottom:24px;font-size:15px;color:var(--muted)}.map-legend span{display:inline-flex;align-items:center;gap:8px}.map-legend i{display:inline-block;width:12px;height:12px;border-radius:3px}.map-canvas{display:flex;justify-content:center}.map-canvas svg{max-width:100%;height:auto}.map-canvas path{transition:opacity .15s;cursor:pointer}.map-canvas path:hover{opacity:.75}.map-note{text-align:center;font-size:15px;color:var(--muted);margin-top:24px}.page-cta{text-align:center;margin-top:56px}.entries{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border)}.entry{background:var(--bg);padding:36px 28px;display:block;transition:background .15s}.entry:hover{background:var(--bg-soft)}.entry b{display:block;font-size:21px;font-weight:600;letter-spacing:-.01em;margin-bottom:10px}.entry p{font-size:16px;color:var(--muted);margin-bottom:18px}.entry span{font-size:15px;font-weight:600;color:var(--accent)}.states-line{font-size:15px;color:var(--muted);line-height:2.1;text-align:center;max-width:880px;margin:0 auto}.states-line b{color:var(--text);font-weight:600}.cta-band{text-align:center;padding:96px 24px}.cta-band h2{font-size:clamp(30px,4vw,42px);font-weight:700;letter-spacing:-.02em;margin-bottom:16px}.cta-band p{color:var(--muted);font-size:18px;margin-bottom:32px}.footer{border-top:1px solid var(--border);padding:48px 0}.footer-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}.footer-links{display:flex;gap:24px}.footer-links a{font-size:15px;color:var(--muted)}.footer-links a:hover{color:var(--text)}.footer small{font-size:15px;color:var(--muted)}.legal{max-width:720px;margin:0 auto;padding:80px 24px 120px}.legal h1{font-size:40px;font-weight:700;letter-spacing:-.02em;margin-bottom:8px}.legal .updated{font-size:15px;color:var(--muted);margin-bottom:48px}.legal h2{font-size:23px;font-weight:600;margin:40px 0 14px}.legal p{color:var(--muted);font-size:17px;margin-bottom:14px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:64px;gap:64px;align-items:start}.field{margin-bottom:20px}.field label{display:block;font-size:15px;font-weight:600;margin-bottom:8px}.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1px solid var(--border);border-radius:8px;font-size:17px;font-family:inherit;background:var(--bg);transition:border-color .15s}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--text)}.field textarea{min-height:140px;resize:vertical}.contact-info div{padding:20px 0;border-bottom:1px solid var(--border)}.contact-info h3{font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:6px}.contact-info p{font-size:15px}.contact-visual{background:var(--bg-soft);border-radius:12px;overflow:hidden}.contact-visual img{display:block;width:100%;height:auto}.form-note{font-size:16px;margin-top:14px}.form-note.ok{color:#15803d}.form-note.err{color:#b91c1c}.quote-page{padding:80px 24px 120px}.quote-box{max-width:560px;margin:0 auto}.quote-box h2{font-size:32px;font-weight:700;letter-spacing:-.02em;margin-bottom:8px}.quote-sub{color:var(--muted);font-size:16px;margin-bottom:28px}.quote-progress{display:flex;gap:8px;margin-bottom:40px}.qp-step{flex:1 1;font-size:13px;color:var(--muted);text-align:center;padding-top:22px;position:relative}.qp-step:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--border)}.qp-step.on{color:var(--text);font-weight:600}.qp-step.on:before{background:var(--text)}.qp-step span{display:none}.quote-input{width:100%;padding:18px 20px;font-size:22px;border:1px solid var(--border);border-radius:10px;font-family:inherit;letter-spacing:.05em}.quote-input:focus{outline:none;border-color:var(--text)}.quote-hint{font-size:15px;color:var(--muted);margin-top:10px}.quote-next{width:100%;margin-top:20px;padding:16px}.quote-nav{display:flex;gap:12px;margin-top:28px}.quote-nav .btn{flex:1 1;text-align:center;padding:15px}.chip-row{display:flex;gap:8px;flex-wrap:wrap}.chip{padding:11px 20px;border:1px solid var(--border);border-radius:999px;background:var(--bg);font-size:15px;cursor:pointer;font-family:inherit;transition:all .15s}.chip:hover{border-color:var(--text)}.chip.on{background:var(--navy);color:#fff;border-color:var(--navy)}.quote-results{border:1px solid var(--border);border-radius:12px;overflow:hidden;margin-bottom:4px}.quote-row{display:flex;justify-content:space-between;align-items:center;padding:18px 20px;border-bottom:1px solid var(--border)}.quote-row:last-child{border-bottom:none}.quote-carrier{display:flex;align-items:center;gap:14px;font-size:17px}.best-badge{display:inline-block;margin-left:8px;font-size:13px;font-weight:600;color:#15803d;background:#f0fdf4;padding:4px 10px;border-radius:999px}.quote-price{text-align:right;font-size:16px;color:var(--muted)}.quote-price b{font-size:24px;color:var(--text);letter-spacing:-.02em}.quote-price small{display:block;font-size:14px}.carrier-mark{display:inline-flex;align-items:center;justify-content:center;font-weight:700;letter-spacing:-.02em;flex-shrink:0}.carrier-logo{object-fit:contain;border-radius:6px;flex-shrink:0}.avatar{width:48px;height:48px;border-radius:50%;object-fit:cover;flex-shrink:0;border:2px solid var(--border)}.testimonial-foot{display:flex;align-items:center;gap:14px;margin-top:20px}.testimonial-foot b{display:block;font-size:16px;font-weight:600}.testimonial-foot span{font-size:14px;color:var(--muted)}.steps{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:24px;gap:24px}.step-card{background:var(--bg);border:1px solid var(--border);border-radius:14px;padding:36px 30px}.step-num{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-size:19px;font-weight:700;margin-bottom:20px}.step-card h3{font-size:20px;font-weight:600;letter-spacing:-.01em;margin-bottom:10px}.step-card p{font-size:16px;color:var(--muted);line-height:1.65}.why-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:24px;gap:24px}.why-item{display:flex;gap:18px;align-items:flex-start;padding:28px;background:var(--bg-soft);border-radius:14px}.why-icon{flex-shrink:0;width:48px;height:48px;border-radius:12px;background:var(--yellow);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:700}.why-item h3{font-size:19px;font-weight:600;margin-bottom:6px}.why-item p{font-size:16px;color:var(--muted);line-height:1.6}.faq{max-width:760px;margin:0 auto}.faq-item{border-bottom:1px solid var(--border);padding:26px 0}.faq-item h3{font-size:19px;font-weight:600;margin-bottom:10px}.faq-item p{font-size:16px;color:var(--muted);line-height:1.65}.edu-intro{max-width:760px;margin:0 auto 64px}.edu-intro p{font-size:18px;color:var(--muted);line-height:1.7;margin-bottom:18px}.edu-intro p b{color:var(--text)}.glance{max-width:760px;margin:0 auto 64px;background:var(--bg-soft);border-radius:14px;padding:32px 36px}.glance h3{font-size:20px;font-weight:700;margin-bottom:18px}.glance ul{list-style:none}.glance li{font-size:16px;color:var(--muted);padding:10px 0 10px 26px;position:relative;border-bottom:1px solid var(--border)}.glance li:last-child{border-bottom:none}.glance li:before{content:"✓";position:absolute;left:0;color:var(--navy);font-weight:700}.glance li b{color:var(--text)}.terms-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:1px;gap:1px;background:var(--border);border:1px solid var(--border)}.term{background:var(--bg);padding:26px 28px}.term h4{font-size:17px;font-weight:600;color:var(--navy);margin-bottom:8px}.term p{font-size:15px;color:var(--muted);line-height:1.6}.tips{max-width:760px;margin:0 auto}.tips li{font-size:16px;color:var(--muted);line-height:1.65;margin-bottom:14px;padding-left:28px;position:relative;list-style:none}.tips li:before{content:"→";position:absolute;left:0;color:var(--yellow-dark);font-weight:700}.tips li b{color:var(--text)}.testimonials{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:24px;gap:24px}.testimonial{background:var(--bg-soft);border-radius:14px;padding:30px 32px}.testimonial-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}.testimonial-head b{font-size:17px;font-weight:600}.testimonial p{font-size:16px;color:var(--muted);line-height:1.7}.testimonial p:before{content:"\201C"}.testimonial p:after{content:"\201D"}.testimonial-sig{margin-top:16px;font-size:15px;font-weight:600;color:var(--navy)}.voice-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:24px;gap:24px}.voice-card{background:var(--bg);border:1px solid var(--border);border-radius:14px;padding:28px 26px}.voice-top{display:flex;align-items:center;gap:12px;margin-bottom:14px}.voice-top .stars{margin-left:auto}.voice-name{font-size:16px;font-weight:600}.voice-name span{display:block;font-size:14px;font-weight:400;color:var(--muted)}.stars{color:var(--yellow-dark);font-size:17px;letter-spacing:2px}.voice-card p{font-size:15px;color:var(--muted);line-height:1.65}@media (max-width:900px){.testimonials,.voice-grid{grid-template-columns:1fr}}@media (max-width:700px){.terms-grid{grid-template-columns:1fr}}@media (max-width:900px){.steps,.why-grid{grid-template-columns:1fr}.carriers,.grid,.states-grid{grid-template-columns:repeat(2,1fr)}.contact-grid,.entries{grid-template-columns:1fr}.hero-stats{gap:32px;flex-wrap:wrap}.nav-links a:not(.btn){display:none}}@media (max-width:560px){.grid{grid-template-columns:1fr}.hero{padding:72px 0 56px}}