:root{--navy:#0b2233;--navy-2:#132f45;--ink:#16232e;--muted:#5a6872;--ivory:#f8f6f1;--paper:#fff;--line:#e4e1d8;--line-strong:#cfcabd;--teal:#0f7f6c;--teal-soft:#e6f3f0;--serif:"Newsreader", Georgia, "Times New Roman", serif;--sans:"Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--radius:6px;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:88px}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}body{background:var(--paper);color:var(--ink);font:400 16px/1.65 var(--sans);-webkit-font-smoothing:antialiased;margin:0}img{display:block}a{color:var(--teal);text-underline-offset:3px}h1,h2,h3{color:var(--navy);margin:0}h1,h2{font-family:var(--serif);letter-spacing:-.015em;font-weight:500;line-height:1.08}h1{font-size:clamp(2.5rem,5.6vw,4.1rem)}h2{font-size:clamp(1.9rem,3.6vw,2.75rem)}h3{letter-spacing:-.005em;font-size:1.05rem;font-weight:600}p{margin:0}[hidden]{display:none!important}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}.skip{position:absolute;left:-999px}.skip:focus{z-index:100;background:#fff;padding:8px 12px;top:12px;left:12px}:focus-visible{outline:2px solid var(--teal);outline-offset:3px}.kicker{letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:16px;font-size:.78rem;font-weight:600}.kicker-light{color:#8fd0c2}.btn{border-radius:var(--radius);min-height:46px;font:600 .95rem/1.2 var(--sans);letter-spacing:.005em;cursor:pointer;border:1px solid #0000;justify-content:center;align-items:center;gap:8px;padding:11px 22px;text-decoration:none;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.btn-large{min-height:52px;padding:14px 28px;font-size:1rem}.btn-block{width:100%}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy-2)}.btn-secondary{color:var(--navy);border-color:var(--line-strong);background:0 0}.btn-secondary:hover{border-color:var(--navy)}.btn-light{color:var(--navy);background:#fff}.btn-light:hover{background:var(--ivory)}.btn:disabled{opacity:.6;cursor:wait}.link-arrow{color:var(--navy);border-bottom:1px solid var(--line-strong);align-items:center;gap:8px;padding-bottom:2px;font-weight:600;text-decoration:none;display:inline-flex}.link-arrow:after{content:"→";transition:transform .15s}.link-arrow:hover{border-color:var(--navy)}.link-arrow:hover:after{transform:translate(3px)}.utility{background:var(--navy);color:#ffffffc7;font-size:.8rem}.utility-inner{justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;display:flex}.utility-right{gap:24px;display:none}.utility a{color:#fff;font-weight:600;text-decoration:none}@media (width>=760px){.utility-right{display:flex}}.nav{z-index:20;-webkit-backdrop-filter:saturate(1.4)blur(8px);backdrop-filter:saturate(1.4)blur(8px);border-bottom:1px solid var(--line);background:#fffffff5;position:sticky;top:0}.nav-inner{align-items:center;gap:32px;height:76px;display:flex}.brand{align-items:center;gap:12px;text-decoration:none;display:flex}.brand img{border-radius:8px}.brand-text{flex-direction:column;line-height:1;display:flex}.brand-name{letter-spacing:.18em;color:var(--navy);font-size:1.2rem;font-weight:700}.brand-sub{letter-spacing:.32em;text-transform:uppercase;color:var(--muted);margin-top:4px;font-size:.68rem}.brand-light .brand-name{color:#fff}.brand-light .brand-sub{color:#fff9}.nav-links{gap:30px;margin-left:auto;display:none}.nav-links a{color:var(--ink);font-size:.93rem;font-weight:500;text-decoration:none}.nav-links a:hover{color:var(--teal)}.btn-nav{min-height:42px;margin-left:auto;padding:9px 18px}@media (width>=960px){.nav-links{display:flex}.btn-nav{margin-left:0}}@media (width<=420px){.btn-nav{padding:8px 14px;font-size:.88rem}}.hero{background:var(--ivory);border-bottom:1px solid var(--line);padding:64px 0 72px}.hero-inner{align-items:center;gap:56px;display:grid}@media (width>=980px){.hero{padding:104px 0 112px}.hero-inner{grid-template-columns:1.15fr .85fr;gap:72px}}.hero h1{max-width:15ch}.lead{color:var(--muted);max-width:36rem;margin:24px 0 36px;font-size:1.17rem}.cta-row{flex-wrap:wrap;gap:12px;display:flex}.policy{background:var(--paper);border:1px solid var(--line);border-radius:10px;margin:0;position:relative;overflow:hidden;box-shadow:0 1px 2px #0b22330a,0 24px 48px -12px #0b22332e}.policy:before{content:"";background:linear-gradient(90deg, var(--navy), var(--teal));height:4px;position:absolute;inset:0 0 auto}.policy-head{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:12px;padding:24px 24px 18px;display:flex}.policy-brand{align-items:center;gap:12px;display:flex}.policy-brand img{border-radius:6px}.policy-brand strong{color:var(--navy);font-size:.98rem;display:block}.policy-brand span{color:var(--muted);font-size:.82rem}.status{background:var(--teal-soft);color:var(--teal);border-radius:999px;align-items:center;gap:6px;padding:5px 10px;font-size:.78rem;font-weight:600;display:inline-flex}.dot{background:var(--teal);border-radius:50%;width:7px;height:7px}.policy-rows{margin:0;padding:8px 24px}.policy-rows div{border-bottom:1px dashed var(--line);justify-content:space-between;gap:16px;padding:11px 0;font-size:.92rem;display:flex}.policy-rows div:last-child{border-bottom:0}.policy-rows dt{color:var(--muted)}.policy-rows dd{color:var(--ink);text-align:right;margin:0;font-weight:600}.policy-foot{background:var(--ivory);border-top:1px solid var(--line);flex-wrap:wrap;justify-content:space-between;gap:8px 16px;padding:16px 24px;font-size:.85rem;display:flex}.delivered{color:var(--navy);align-items:center;gap:8px;font-weight:600;display:inline-flex}.renewal{color:var(--muted)}.policy figcaption{color:var(--muted);text-align:right;border-top:1px solid var(--line);padding:8px 24px;font-size:.72rem}.assurance{border-bottom:1px solid var(--line)}.assurance-inner{grid-template-columns:1fr;display:grid}.assurance-inner>div{border-bottom:1px solid var(--line);flex-direction:column;gap:2px;padding:22px 0;display:flex}.assurance-inner>div:last-child{border-bottom:0}.assurance strong{color:var(--navy);font-size:.95rem;font-weight:600}.assurance span{color:var(--muted);font-size:.88rem}@media (width>=720px){.assurance-inner{grid-template-columns:repeat(2,1fr)}.assurance-inner>div{border-bottom:1px solid var(--line);padding:26px 24px}.assurance-inner>div:nth-child(odd){border-right:1px solid var(--line);padding-left:0}}@media (width>=1040px){.assurance-inner{grid-template-columns:repeat(4,1fr)}.assurance-inner>div{border-bottom:0;border-right:1px solid var(--line);padding:30px 28px}.assurance-inner>div:first-child{padding-left:0}.assurance-inner>div:last-child{border-right:0}}.section{padding:80px 0}@media (width>=980px){.section{padding:112px 0}}.section-alt{background:var(--ivory);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-dark{background:var(--navy);color:#ffffffd1}.section-dark h2{color:#fff}.section-head{max-width:44rem;margin-bottom:48px}.section-lead{color:var(--muted);margin-top:18px;font-size:1.08rem}.products{gap:24px;display:grid}@media (width>=820px){.products{grid-template-columns:1fr 1fr}}.product{border:1px solid var(--line);background:var(--paper);border-radius:10px;flex-direction:column;gap:16px;padding:36px 32px;display:flex}.product-featured{border-color:var(--navy);box-shadow:inset 0 3px 0 var(--navy)}.product-label{letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-size:.75rem;font-weight:600}.product h3{font-family:var(--serif);letter-spacing:-.01em;font-size:2rem;font-weight:500}.product>p:not(.product-label){color:var(--muted)}.list{border-top:1px solid var(--line);gap:12px;margin:0 0 auto;padding:16px 0 8px;list-style:none;display:grid}.list li{gap:12px;font-size:.96rem;display:flex}.list li:before{content:"";background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m3 8.5 3.2 3.2L13 4.8' fill='none' stroke='%230f7f6c' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") 50%/contain no-repeat;flex:none;width:16px;height:16px;margin-top:5px}.product .link-arrow{align-self:flex-start;margin-top:8px}.note{color:var(--muted);max-width:44rem;margin-top:28px;font-size:.88rem}.process{border-top:1px solid var(--line-strong);gap:0;margin:0;padding:0;list-style:none;display:grid}.process li{border-bottom:1px solid var(--line);grid-template-columns:64px 1fr;column-gap:16px;padding:28px 0;display:grid}.process-num{font-family:var(--serif);color:var(--teal);grid-row:span 2;font-size:2rem;line-height:1}.process h3{margin-bottom:6px}.process p{color:var(--muted)}@media (width>=900px){.process{border-top:0;grid-template-columns:repeat(4,1fr)}.process li{border-bottom:0;border-top:1px solid var(--line-strong);padding:28px 28px 0 0;display:block}.process-num{margin-bottom:20px;display:block}}.claims-inner{gap:32px;display:grid}@media (width>=900px){.claims-inner{grid-template-columns:.9fr 1.1fr;gap:72px}}.claims-copy p{font-size:1.08rem}.claims-steps{counter-reset:s;gap:14px;margin:28px 0 32px;padding:0;list-style:none;display:grid}.claims-steps li{counter-increment:s;border-bottom:1px solid #ffffff1f;gap:14px;padding-bottom:14px;display:flex}.claims-steps li:before{content:counter(s);color:#fff;border:1px solid #ffffff59;border-radius:50%;flex:none;place-items:center;width:26px;height:26px;font-size:.8rem;display:grid}.quote-inner{align-items:start;gap:48px;display:grid}@media (width>=980px){.quote-inner{grid-template-columns:.8fr 1.2fr;gap:72px}}.quote-facts{border-top:1px solid var(--line);margin:32px 0 0}.quote-facts div{border-bottom:1px solid var(--line);padding:16px 0}.quote-facts dt{color:var(--navy);font-size:.92rem;font-weight:600}.quote-facts dd{color:var(--muted);margin:4px 0 0;font-size:.92rem}.quote-panel{border:1px solid var(--line);background:var(--paper);border-radius:10px;box-shadow:0 24px 48px -16px #0b223324}.quote-form,.quote-done{flex-direction:column;gap:20px;padding:32px;display:flex}@media (width<=480px){.quote-form,.quote-done{padding:24px 20px}}.field{border:0;flex-direction:column;gap:7px;min-width:0;margin:0;padding:0;display:flex}.field label,.field legend{color:var(--navy);padding:0;font-size:.86rem;font-weight:600}.field legend{margin-bottom:7px}.optional{color:var(--muted);font-weight:400}.field-row{gap:20px;display:grid}@media (width>=560px){.field-row{grid-template-columns:1fr 1fr}}.quote-form input:not([type=radio],[type=checkbox]){border:1px solid var(--line-strong);border-radius:var(--radius);width:100%;height:48px;font:400 16px var(--sans);color:var(--ink);background:#fff;padding:0 14px;transition:border-color .15s,box-shadow .15s}.quote-form input:focus{border-color:var(--teal);outline:none;box-shadow:0 0 0 3px #0f7f6c24}.segmented{border:1px solid var(--line-strong);border-radius:var(--radius);grid-template-columns:repeat(3,1fr);display:grid;overflow:hidden}.segmented label{cursor:pointer;position:relative}.segmented label+label{border-left:1px solid var(--line-strong)}.segmented input{opacity:0;position:absolute;inset:0}.segmented span{height:46px;color:var(--muted);text-align:center;place-items:center;padding:0 6px;font-size:.9rem;font-weight:500;display:grid}.segmented input:checked+span{background:var(--navy);color:#fff}.segmented input:focus-visible+span{outline:2px solid var(--teal);outline-offset:-4px}.check{color:var(--muted);cursor:pointer;align-items:flex-start;gap:12px;font-size:.88rem;display:flex}.check input{width:18px;height:18px;accent-color:var(--navy);flex:none;margin:2px 0 0}.hp{height:0;position:absolute;left:-9999px;overflow:hidden}.form-error{color:#8a1c12;background:#fdf1f0;border-left:3px solid #b42318;padding:10px 14px;font-size:.9rem;font-weight:500}.form-note{color:var(--muted);text-align:center;font-size:.82rem}.quote-done{outline:none;align-items:flex-start;padding:48px 32px}.quote-done h3{font-family:var(--serif);font-size:1.7rem;font-weight:500}.quote-done p{color:var(--muted)}.renew-inner{align-items:end;gap:32px;display:grid}@media (width>=900px){.renew-inner{grid-template-columns:1.4fr .6fr;gap:72px}}.renew-inner .section-lead{max-width:40rem}.renew-actions{flex-direction:column;align-items:flex-start;gap:18px;display:flex}.faq-inner{gap:16px;display:grid}@media (width>=900px){.faq-inner{grid-template-columns:.8fr 1.2fr;gap:72px}}.faq{border-top:1px solid var(--line-strong)}details{border-bottom:1px solid var(--line)}summary{cursor:pointer;color:var(--navy);justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-weight:600;list-style:none;display:flex}summary::-webkit-details-marker{display:none}summary:after{content:"";border-right:1.5px solid var(--muted);border-bottom:1.5px solid var(--muted);flex:none;width:12px;height:12px;transition:transform .2s;transform:rotate(45deg)translate(-3px,-3px)}details[open] summary:after{transform:rotate(225deg)translate(-3px,-3px)}details p{color:var(--muted);padding:0 40px 24px 0}.footer{background:var(--navy);color:#ffffffb3;padding:72px 0 32px;font-size:.92rem}.footer-top{border-bottom:1px solid #ffffff1f;gap:40px;padding-bottom:48px;display:grid}@media (width>=820px){.footer-top{grid-template-columns:1.6fr 1fr 1fr 1fr}}.footer-brand p{max-width:22rem;margin-top:20px}.footer h3{color:#fff;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px;font-size:.78rem}.footer ul{gap:10px;margin:0;padding:0;list-style:none;display:grid}.footer a{color:#ffffffd9;text-decoration:none}.footer a:hover{color:#fff;text-decoration:underline}.footer-legal{color:#ffffff80;gap:6px;padding-top:24px;font-size:.8rem;display:grid}.privacy{width:calc(100% - 32px);max-width:600px;color:var(--ink);border:0;border-radius:10px;padding:36px;box-shadow:0 40px 80px #00000059}.privacy::backdrop{background:#0b223399}.privacy h2{margin-bottom:20px;font-size:1.9rem}.privacy p{color:var(--muted);margin-bottom:16px}