/*! modern-normalize v3.0.1 | MIT License | https://github.com/sindresorhus/modern-normalize */
 *,::before,::after{box-sizing:border-box}html{font-family:system-ui,'Segoe UI',Roboto,Helvetica,Arial,sans-serif,'Apple Color Emoji','Segoe UI Emoji';line-height:1.15;-webkit-text-size-adjust:100%;tab-size:4}body{margin:0}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:ui-monospace,SFMono-Regular,Consolas,'Liberation Mono',Menlo,monospace;font-size:1em}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}sub{bottom:-0.25em}sup{top:-0.5em}table{border-color:currentcolor}button,input,optgroup,select,textarea{font-family:inherit;font-size:100%;line-height:1.15;margin:0}button,[type='button'],[type='reset'],[type='submit']{-webkit-appearance:button}legend{padding:0}progress{vertical-align:baseline}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}[type='search']{-webkit-appearance:textfield;outline-offset:-2px}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}summary{display:list-item}/*! bocaratoninsurancefl.com, design variant C. Palette from the City of Boca Raton flag (1965): sky #73bdef,
    white, green #008c6b, seal blue #1063d6. Text colors are darker derivatives chosen for WCAG AA on white:
    navy #0b3c74 (11:1), link #1063d6 (5.6:1), green ink #00684f (6.8:1), muted #4a5d70 (6.8:1).
    Type: a serif display stack over the system sans; no web fonts are downloaded. */
 :root{--sky:#73bdef;--sky-50:#eef7fd;--sky-100:#dcf0fc;--sky-300:#a9d6f5;--green:#008c6b;--green-ink:#00684f;--green-50:#e8f6f1;--seal:#1063d6;--navy:#0b3c74;--navy-900:#082a52;--ink:#102a43;--muted:#4a5d70;--paper:#fbfaf6;--line:#d6e1eb;--white:#ffffff;--link:#1063d6;--radius:16px;--radius-sm:10px;--shadow:0 18px 40px -22px rgba(8,42,82,0.45);--wrap:1180px;--read:72ch;--header-h:76px;--font-display:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua","URW Palladio L",Georgia,serif;--font-body:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;--step-0:clamp(1rem,0.97rem + 0.15vw,1.0625rem);--step-1:clamp(1.18rem,1.1rem + 0.4vw,1.35rem);--step-2:clamp(1.45rem,1.25rem + 0.9vw,1.9rem);--step-3:clamp(1.8rem,1.45rem + 1.6vw,2.6rem);--step-4:clamp(2.05rem,1.5rem + 2.5vw,3.35rem)}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px);-webkit-text-size-adjust:100%}body{margin:0;background:var(--white);color:var(--ink);font-family:var(--font-body);font-size:var(--step-0);line-height:1.6;overflow-x:clip}img{max-width:100%;height:auto;display:block}a{color:var(--link);text-underline-offset:0.18em;text-decoration-thickness:1px}a:hover{color:var(--navy)}:focus-visible{outline:3px solid var(--seal);outline-offset:2px;border-radius:4px}h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.18;font-weight:700;letter-spacing:-0.005em}h2{font-size:var(--step-3);margin:0 0 0.5em}h3{font-size:var(--step-1);margin:1.4em 0 0.4em}h4{font-size:1.05rem;margin:1.2em 0 0.3em}p{margin:0 0 1em}ul,ol{padding-left:1.3em}li{margin:0.25em 0}strong{color:var(--navy)}.icon{width:1.15em;height:1.15em;flex:none;vertical-align:-0.18em}.vh{position:absolute 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1.2em;border-radius:999px;border:2px solid var(--b-bd);background:var(--b-bg);color:var(--b-fg);font-family:var(--font-body);font-weight:700;font-size:1rem;line-height:1.15;text-decoration:none;cursor:pointer;transition:background 0.18s ease,color 0.18s ease,transform 0.18s ease}.btn:hover{transform:translateY(-1px);color:var(--b-fg)}.btn-call{--b-bg:var(--green-ink);--b-bd:var(--green-ink)}.btn-call:hover{--b-bg:#005440}.btn-primary{--b-bg:var(--navy);--b-bd:var(--navy)}.btn-primary:hover{--b-bg:var(--navy-900)}.btn-quiet{--b-bg:transparent;--b-fg:var(--navy);--b-bd:var(--navy)}.btn-quiet:hover{--b-bg:var(--sky-50);--b-fg:var(--navy)}.btn-quiet-light{--b-bg:transparent;--b-fg:#fff;--b-bd:rgba(255,255,255,0.75)}.btn-quiet-light:hover{--b-bg:rgba(255,255,255,0.12);--b-fg:#fff}.btn-lg{min-height:52px;font-size:1.05rem;padding:0.7em 1.35em}.btn-xl{min-height:58px;font-size:1.15rem;padding:0.75em 1.6em}.btn-block{display:flex;width:100%}.site-header{position:sticky;top:0;z-index:60;background:#fff;box-shadow:0 1px 0 var(--line);transition:box-shadow 0.2s ease}.site-header.scrolled{box-shadow:0 10px 26px -18px rgba(8,42,82,0.55)}.masthead{display:flex;align-items:center;gap:18px;min-height:68px}.logo{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex:none}.logo-mark{width:52px;height:auto;flex:none}.logo-type{display:flex;flex-direction:column;gap:3px;min-width:0}.lt-domain{font-family:var(--font-display);font-weight:700;font-size:1.12rem;letter-spacing:0.01em;color:var(--navy);line-height:1.1;white-space:nowrap}.lt-desc{font-size:0.78rem;color:var(--muted);letter-spacing:0.02em;line-height:1.2}.primary-nav{margin-left:auto;display:flex;align-items:center;gap:6px}.nav-list{display:flex;align-items:center;gap:2px;margin:0;padding:0;list-style:none}.nav-list>li{position:relative;margin:0;display:flex;align-items:center}.nav-list a{display:block;padding:10px 10px;border-radius:10px;color:var(--navy);font-weight:600;font-size:0.96rem;text-decoration:none;white-space:nowrap}@media (max-width:1439.98px){.lt-desc{display:none}}@media (max-width:1279.98px){.nav-list a{padding:10px 8px;font-size:0.93rem}}.nav-list a:hover,.nav-list a[aria-current="page"]{background:var(--sky-50);color:var(--navy)}.sub-toggle{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;margin-left:-6px;border:0;border-radius:8px;background:none;color:var(--navy);cursor:pointer}.sub-toggle .icon{transition:transform 0.2s ease}.has-sub.open>.sub-toggle .icon{transform:rotate(180deg)}.sub{display:none;position:absolute;top:100%;left:0;z-index:70;min-width:290px;margin:6px 0 0;padding:8px;list-style:none;background:#fff;border:1px solid var(--line);border-top:4px solid var(--sky);border-radius:12px;box-shadow:var(--shadow)}.sub li{margin:0}.sub a{padding:9px 12px;font-weight:500}.sub .sub-call{display:flex;align-items:center;gap:8px;color:var(--green-ink);font-weight:700}.has-sub:hover>.sub,.has-sub:focus-within>.sub,.has-sub.open>.sub{display:block}.nav-call{display:none}.header-call{flex:none;gap:8px}.hc-label{font-weight:600;opacity:0.9}.nav-toggle{display:none;align-items:center;gap:8px;min-height:44px;padding:8px 12px;border:2px solid var(--navy);border-radius:999px;background:#fff;color:var(--navy);font-weight:700;cursor:pointer}.burger{position:relative;width:18px;height:14px}.burger::before,.burger::after,.burger>span{content:"";position:absolute;left:0;width:18px;height:2px;border-radius:2px;background:currentColor;transition:transform 0.2s ease,opacity 0.2s ease,top 0.2s ease}.burger::before{top:0}.burger>span{top:6px}.burger::after{top:12px}.nav-open .burger::before{top:6px;transform:rotate(45deg)}.nav-open .burger>span{opacity:0}.nav-open .burger::after{top:6px;transform:rotate(-45deg)}@media (max-width:1079.98px){.masthead{min-height:62px;gap:10px}.lt-desc{display:none}.header-call{order:2;margin-left:auto;min-height:44px;padding:0.5em 0.9em}.header-call .hc-num{display:none}.nav-toggle{display:inline-flex;order:3}.primary-nav{position:fixed;top:var(--header-h);left:0;right:0;bottom:0;z-index:65;margin:0;display:block;padding:10px max(16px,env(safe-area-inset-right)) calc(28px + env(safe-area-inset-bottom)) max(16px,env(safe-area-inset-left));background:#fff;overflow-y:auto;overscroll-behavior:contain;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity 0.2s ease,transform 0.2s ease,visibility 0s linear 0.2s}.nav-open .primary-nav{opacity:1;visibility:visible;transform:none;transition:opacity 0.2s ease,transform 0.2s ease}.nav-open body{overflow:hidden}.nav-list{flex-direction:column;align-items:stretch;gap:0}.nav-list>li{flex-wrap:wrap;border-bottom:1px solid var(--line)}.nav-list>li>a{flex:1;padding:14px 6px;font-size:1.08rem}.sub-toggle{width:44px;height:44px}.sub{position:static;display:none;width:100%;min-width:0;margin:0 0 10px;box-shadow:none;border-top-width:1px}.has-sub:hover>.sub{display:none}.has-sub.open>.sub,.has-sub.open:hover>.sub{display:block}.nav-call{display:flex;margin:16px 0 0}}@media (max-width:420px){.masthead{gap:8px}.logo{gap:8px}.lt-domain{font-size:0.86rem}.logo-mark{width:40px}.header-call .hc-label{display:none}.header-call{padding:0.5em 0.75em}.nav-toggle{padding:8px 10px}.nav-toggle-label{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}}.hero-c{background:linear-gradient(180deg,var(--sky-50) 0%,#fff 78%);padding:clamp(26px,4vw,54px) 0 clamp(28px,4vw,48px);border-bottom:1px solid var(--line)}.hero-c-grid{display:grid;gap:clamp(22px,3vw,40px);align-items:start}@media (min-width:1080px){.hero-c-grid{grid-template-columns:minmax(0,1.08fr) minmax(0,0.92fr)}}.hero-kicker{margin:0 0 12px;font-size:0.84rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--green-ink)}.hero-c h1{margin:0 0 14px;font-size:var(--step-4)}.h1-main{display:block}.h1-sub{display:block;margin-top:0.3em;font-size:0.56em;font-style:italic;font-weight:600;color:#234d7d;line-height:1.25}.byline{display:block;margin:0 0 16px;font-size:0.9rem;line-height:1.5;color:var(--muted)}.byline .icon{color:var(--green-ink);margin-right:6px}.byline>span:first-of-type{display:inline}.byline a{font-weight:700;color:var(--navy)}.by-date{display:block;font-size:0.86rem}.tldr{margin:0 0 18px;padding:16px 18px 14px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--sky);border-radius:0 var(--radius-sm) var(--radius-sm) 0;box-shadow:0 8px 24px -20px rgba(8,42,82,0.6)}.tldr-label{margin:0 0 6px;font-size:0.76rem;font-weight:800;letter-spacing:0.14em;text-transform:uppercase;color:var(--seal)}.tldr-answer{margin:0 0 8px;font-size:1.04rem;line-height:1.55}.tldr-list{margin:0 0 8px;padding:0;list-style:none}.tldr-list li{position:relative;margin:0.2em 0;padding-left:22px;font-size:0.96rem}.tldr-list li::before{content:"";position:absolute;left:2px;top:0.55em;width:10px;height:10px;border-radius:2px;background:linear-gradient(180deg,var(--sky) 0 33%,#fff 33% 66%,var(--green) 66%);box-shadow:0 0 0 1px var(--navy)}.tldr-cta{margin:0;font-size:0.94rem;color:var(--muted)}.tldr-cta a{font-weight:700}.hero-cta{display:flex;flex-wrap:wrap;gap:10px}.hero-plain{background:var(--sky-50)}.ribbon{position:relative;margin:0;background:var(--navy-900)}.ribbon-img{width:100%;height:clamp(190px,30vw,380px);object-fit:cover;opacity:0.96}.ribbon-cap{position:absolute;left:max(16px,env(safe-area-inset-left));bottom:12px;max-width:calc(100% - 32px);padding:6px 12px;border-radius:8px;background:rgba(8,42,82,0.82);color:#fff;font-size:0.82rem;line-height:1.3}.intro-c{padding:clamp(26px,4vw,44px) 0 6px}.intro-c-inner{max-width:calc(var(--read) + 56px)}.intro-text{font-size:1.08rem}.intro-text .lead{font-family:var(--font-display);font-size:var(--step-1);line-height:1.5;color:var(--ink)}[data-voice-intro]{margin:18px 0 0;padding:16px 20px;border-left:4px solid var(--green);background:var(--green-50);border-radius:0 12px 12px 0}[data-voice-intro] .voice-sign{margin:0;font-size:0.9rem;color:var(--muted)}.toc-c{padding:14px 0 6px}.toc-c .wrap{display:flex;flex-wrap:wrap;align-items:baseline;gap:8px 14px}.toc-c-title{margin:0;font-size:0.8rem;font-weight:800;letter-spacing:0.14em;text-transform:uppercase;color:var(--muted)}.toc-c-list{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none;counter-reset:toc}.toc-c-list li{margin:0;counter-increment:toc}.toc-c-list a{display:inline-block;padding:6px 12px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-size:0.9rem;text-decoration:none}.toc-c-list a::before{content:counter(toc) ". ";color:var(--green-ink);font-weight:700}.toc-c-list a:hover{border-color:var(--sky);background:var(--sky-50)}.section{padding:clamp(34px,5vw,64px) 0}.tone-paper{background:var(--paper)}.tone-sky{background:var(--sky-50)}.tone-ink{background:var(--navy);color:#fff}.tone-ink h2,.tone-ink h3,.tone-ink strong{color:#fff}.tone-ink a{color:var(--sky-100)}.sec-head{max-width:calc(var(--read) + 6ch);margin:0 0 18px}.sec-head h2{margin:0}.sec-rule{display:block;width:72px;height:7px;margin-top:14px;border-radius:2px;background:linear-gradient(180deg,var(--sky) 0 40%,#fff 40% 60%,var(--green) 60%);box-shadow:0 0 0 1px rgba(11,60,116,0.18)}.article{max-width:var(--read)}.article>*:last-child{margin-bottom:0}.article .lead{font-size:1.1rem;color:var(--ink)}.article ul li::marker{color:var(--green)}.article ol li::marker{color:var(--green-ink);font-weight:700}.article blockquote{margin:1.2em 0;padding:0.6em 1em;border-left:4px solid var(--sky);background:#fff}.sec-body{max-width:none}.sec-body>p,.sec-body>ul,.sec-body>ol,.sec-body>h3,.sec-body>h4,.sec-body>blockquote,.sec-body>.table-wrap{max-width:var(--read)}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:16px;margin:8px 0 1.2em}.card{position:relative;padding:20px 20px 16px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--sky);border-radius:0 0 var(--radius-sm) var(--radius-sm)}.card:nth-child(3n+2){border-top-color:var(--green)}.card:nth-child(3n+3){border-top-color:var(--seal)}.card h3{margin:0 0 8px;font-size:1.16rem}.card p:last-child,.card ul:last-child{margin-bottom:0}.card-icon{display:inline-flex;width:34px;height:34px;align-items:center;justify-content:center;margin-bottom:8px;border-radius:50%;background:var(--sky-50);color:var(--navy)}.card.has-photo{padding:0;overflow:hidden}.card-photo{width:100%;aspect-ratio:16 / 9;object-fit:cover}.card-inner{padding:16px 18px}.features{display:grid;gap:14px;margin:8px 0 1.2em;max-width:var(--read)}.feature{display:grid;grid-template-columns:40px 1fr;gap:14px;padding:14px 0;border-bottom:1px solid var(--line)}.feature:last-child{border-bottom:0}.feature-icon{display:inline-flex;width:40px;height:40px;align-items:center;justify-content:center;border-radius:10px;background:var(--green-50);color:var(--green-ink)}.feature-body h3{margin:0 0 6px;font-size:1.12rem}.feature-body p:last-child{margin-bottom:0}.steps{display:grid;gap:14px;margin:10px 0 1.2em;padding:0;list-style:none;max-width:var(--read)}.step{display:grid;grid-template-columns:56px 1fr;gap:16px;align-items:start;margin:0;padding:16px 18px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm)}.step-num{font-family:var(--font-display);font-size:2.3rem;line-height:1;font-weight:700;color:var(--green-ink);text-align:center}.step-body h3{margin:4px 0 6px;font-size:1.14rem}.step-label{color:var(--seal)}.step-body p:last-child{margin-bottom:0}.table-wrap{margin:1em 0 1.4em;overflow-x:auto}.table-wrap table{width:100%;border-collapse:collapse;background:#fff;font-size:0.97rem}.table-wrap th,.table-wrap td{padding:10px 12px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}.table-wrap thead th{background:var(--navy);color:#fff;font-weight:700}.table-wrap tbody tr:nth-child(even) td{background:var(--sky-50)}@media (max-width:759.98px){.table-wrap table,.table-wrap tbody,.table-wrap tr,.table-wrap td{display:block;width:100%}.table-wrap thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.table-wrap tr{margin:0 0 12px;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden}.table-wrap td{border-bottom:1px solid var(--line)}.table-wrap td::before{content:attr(data-label);display:block;margin:0 0 2px;font-size:0.76rem;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--muted)}.table-wrap td:first-child{background:var(--navy) !important;color:#fff;font-weight:700}.table-wrap td:first-child::before{color:var(--sky-100)}}.photo-row{display:grid;gap:16px;margin:24px 0 0}@media (min-width:760px){.photo-row.n2{grid-template-columns:1fr 1fr}}.local-photo{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden}.lp-img{width:100%;aspect-ratio:4 / 3;object-fit:cover}.local-photo figcaption{padding:10px 14px;font-size:0.86rem;color:var(--muted)}.numbers-band{padding:clamp(28px,4vw,44px) 0;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.nb-title{margin:0 0 14px;font-family:var(--font-display);font-size:var(--step-2);font-weight:700;color:var(--navy)}.nb-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,210px),1fr));gap:0;margin:0 0 14px;padding:0;list-style:none;border-top:3px solid var(--navy)}.nb-grid li{margin:0;padding:16px 14px 14px 0;border-bottom:1px solid var(--line)}@media (min-width:760px){.nb-grid li + li{padding-left:16px;border-left:1px solid var(--line)}}.nb-num{display:block;font-family:var(--font-display);font-size:clamp(1.9rem,1.5rem + 1.6vw,2.7rem);font-weight:700;line-height:1.05;color:var(--green-ink);font-variant-numeric:tabular-nums}.nb-lbl{display:block;margin-top:6px;font-size:0.93rem;color:var(--muted);line-height:1.4}.nb-source{margin:0;font-size:0.84rem;color:var(--muted)}.cta-band{background:var(--navy);color:#fff;padding:clamp(24px,3.5vw,36px) 0;background-image:linear-gradient(90deg,rgba(115,189,239,0.16),rgba(0,140,107,0.16))}.cta-c{display:grid;gap:16px;align-items:center}@media (min-width:900px){.cta-c{grid-template-columns:1fr auto}}.cta-hook{margin:0 0 4px;font-family:var(--font-display);font-size:var(--step-2);font-weight:700;color:#fff}.cta-line{margin:0;color:var(--sky-100)}.cta-actions{display:flex;flex-wrap:wrap;gap:10px}.cta-band .btn-quiet{--b-fg:#fff;--b-bd:rgba(255,255,255,0.75)}.cta-band .btn-quiet:hover{--b-bg:rgba(255,255,255,0.12);--b-fg:#fff}.inline-cta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px;margin:1.2em 0;padding:14px 16px;border:1px dashed var(--navy);border-radius:var(--radius-sm);background:var(--sky-50);max-width:var(--read)}.inline-cta-label{margin:0;font-weight:700;color:var(--navy)}.cta-dec{padding:clamp(18px,3vw,28px) 0;background:var(--paper)}.cta-dec-c{display:grid;grid-template-columns:auto 1fr;gap:14px 18px;align-items:center;padding-top:18px;padding-bottom:18px;border:2px dashed rgba(11,60,116,0.35);border-radius:var(--radius);background:#fff}@media (min-width:900px){.cta-dec-c{grid-template-columns:auto 1fr auto}}.cta-dec-icon{display:inline-flex;width:52px;height:52px;align-items:center;justify-content:center;border-radius:50%;background:var(--sky-100);color:var(--navy)}.cta-dec-icon .icon{width:26px;height:26px}.cta-dec-title{margin:0 0 4px;font-family:var(--font-display);font-size:var(--step-1);font-weight:700;color:var(--navy)}.cta-dec-sub{margin:0;color:var(--muted)}.cta-dec-actions{display:flex;flex-wrap:wrap;gap:10px;grid-column:1 / -1}@media (min-width:900px){.cta-dec-actions{grid-column:auto}}.faq-c{max-width:calc(var(--read) + 60px)}.faq{margin:8px 0 22px;border-top:2px solid var(--navy)}.faq details{border-bottom:1px solid var(--line)}.faq summary{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;padding:16px 2px;cursor:pointer;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq .q{font-family:var(--font-display);font-size:1.16rem;font-weight:700;color:var(--navy);line-height:1.3}.faq-icon{position:relative;flex:none;width:26px;height:26px;margin-top:2px;border-radius:50%;background:var(--sky-100)}.faq-icon::before,.faq-icon::after{content:"";position:absolute;left:7px;top:12px;width:12px;height:2px;background:var(--navy);transition:transform 0.2s ease}.faq-icon::after{transform:rotate(90deg)}.faq details[open] .faq-icon::after{transform:rotate(0deg)}.faq .answer{padding:0 2px 16px}.faq .answer>*:last-child{margin-bottom:0}.help-card{display:grid;gap:10px;max-width:520px;padding:18px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--green);border-radius:0 var(--radius-sm) var(--radius-sm) 0}.help-title{margin:0;font-family:var(--font-display);font-size:var(--step-1);font-weight:700;color:var(--navy)}.help-text{margin:0;color:var(--muted)}.final-band{padding:clamp(34px,5vw,56px) 0;background:var(--navy-900);color:#fff;background-image:radial-gradient(circle at 12% 0%,rgba(115,189,239,0.28),transparent 46%),radial-gradient(circle at 92% 100%,rgba(0,140,107,0.32),transparent 50%)}.final-c{display:grid;gap:18px;align-items:center}@media (min-width:900px){.final-c{grid-template-columns:1.2fr auto}}.final-title{margin:0 0 8px;font-family:var(--font-display);font-size:var(--step-3);font-weight:700;color:#fff;line-height:1.15}.band-text{margin:0;color:var(--sky-100);max-width:62ch}.final-actions{display:flex;flex-wrap:wrap;gap:12px}.quote-card{position:relative;padding:22px 20px 20px;background:#fff;border:1px solid var(--line);border-top:6px solid var(--green);border-radius:0 0 var(--radius) var(--radius);box-shadow:var(--shadow);scroll-margin-top:calc(var(--header-h) + 12px)}.qc-head{display:flex;gap:12px;align-items:flex-start;margin:0 0 10px}.qc-icon{display:inline-flex;width:42px;height:42px;align-items:center;justify-content:center;border-radius:12px;background:var(--green-50);color:var(--green-ink);flex:none}.form-title{margin:0;font-family:var(--font-display);font-size:var(--step-2);font-weight:700;color:var(--navy);line-height:1.15}.form-sub{margin:4px 0 0;font-size:0.93rem;color:var(--muted)}.qc-checks{display:grid;gap:4px;margin:0 0 14px;padding:0;list-style:none}.qc-checks li{display:flex;gap:8px;align-items:center;margin:0;font-size:0.92rem;font-weight:600;color:var(--navy)}.qc-checks .icon{color:var(--green-ink)}.quote-form .row{display:grid;gap:12px}@media (min-width:520px){.quote-form .row{grid-template-columns:1fr 1fr}}.field{margin:0 0 12px}.field label{display:block;margin:0 0 4px;font-size:0.9rem;font-weight:700;color:var(--navy)}.optional{font-weight:500;color:var(--muted)}.field input,.field select,.field textarea{width:100%;min-height:46px;padding:10px 12px;border:1.5px solid #b9c8d6;border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.field textarea{min-height:84px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--seal);box-shadow:0 0 0 3px rgba(16,99,214,0.18)}.upload{margin:0 0 12px;border:1px solid var(--line);border-radius:10px;background:var(--sky-50)}.upload summary{display:flex;align-items:center;gap:8px;padding:10px 12px;cursor:pointer;font-weight:700;color:var(--navy);font-size:0.93rem}.upload[open] summary{border-bottom:1px solid var(--line)}.file-field{display:grid;gap:4px;padding:10px 12px 12px}.ff-h{font-weight:700;color:var(--navy);font-size:0.92rem}.ff-s,.ff-hint{font-size:0.85rem;color:var(--muted)}.file-field input[type="file"]{font:inherit;font-size:0.92rem}.honeypot{position:absolute !important;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;margin:4px 0 10px;font-size:0.83rem;line-height:1.45;color:var(--muted)}.consent input{width:20px;height:20px;margin:1px 0 0;accent-color:var(--green-ink)}.form-small{margin:0 0 14px;font-size:0.8rem;line-height:1.45;color:var(--muted)}.quote-form button[disabled]{opacity:0.55;cursor:not-allowed}.form-notice{margin:0 0 14px;padding:10px 12px;border-radius:10px;background:#fff7e6;color:#7a4a00;border:1px dashed #c98a12;font-size:0.92rem;font-weight:600}.form-notice a{color:inherit}#form-status,#referral-status{margin:10px 0 0;font-weight:600;line-height:1.4;color:var(--navy)}#form-status:empty,#referral-status:empty{display:none}#form-status:focus,#referral-status:focus{outline:none}#form-status.success,#referral-status.success{color:var(--green-ink)}.qc-foot{display:flex;align-items:center;gap:8px;margin:12px 0 0;font-size:0.82rem;color:var(--muted)}.qc-foot .icon{color:var(--green-ink)}.hub-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:14px;margin:0;padding:0;list-style:none}.hub-list li{margin:0}.hub-card{display:grid;gap:6px;height:100%;padding:18px;border:1px solid var(--line);border-top:4px solid var(--sky);border-radius:0 0 var(--radius-sm) var(--radius-sm);background:#fff;color:var(--ink);text-decoration:none}.hub-card:hover{border-top-color:var(--green);box-shadow:var(--shadow);color:var(--ink)}.hub-icon{color:var(--navy)}.hub-name{font-family:var(--font-display);font-size:1.18rem;font-weight:700;color:var(--navy)}.hub-card small{color:var(--muted);font-size:0.92rem}.hub-go{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--green-ink)}.rl-top{margin:4px 0 18px}.rl-top-line{margin:0 0 12px;font-weight:600;color:var(--navy)}.rl-top-btns{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 12px}.rl-jump{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 12px}.rl-jump-h{margin:0;font-size:0.78rem;font-weight:800;letter-spacing:0.14em;text-transform:uppercase;color:var(--muted)}.rl-jump ul{display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;list-style:none}.rl-jump li{margin:0}.rl-jump a{display:inline-block;padding:4px 10px;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:0.88rem;text-decoration:none}.rl-cta{padding:16px 0;background:var(--green-50);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.rl-cta-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px}.rl-cta-text{margin:0;max-width:70ch}.referral-card{margin:18px 0;padding:20px;background:#fff;border:1px solid var(--line);border-top:6px solid var(--seal);border-radius:0 0 var(--radius) var(--radius);box-shadow:var(--shadow);max-width:760px}.print-checklist{margin:18px 0;padding:22px;max-width:820px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.pc-head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px;margin:0 0 14px;padding:0 0 12px;border-bottom:3px solid var(--navy)}.pc-wordmark{margin:0 0 2px;font-family:var(--font-display);font-weight:700;color:var(--navy)}.pc-title{margin:0;font-family:var(--font-display);font-size:var(--step-2);font-weight:700;color:var(--navy);line-height:1.1}.pc-sub{margin:4px 0 0;color:var(--muted)}.pc-qr{width:112px;text-align:center}.pc-qr svg,.pc-qr-code{display:block;width:100%;height:auto}.pc-qr-cap{margin:4px 0 0;font-size:0.74rem;color:var(--muted);line-height:1.25}.pc-list{margin:0 0 16px;padding:0;list-style:none}.pc-list li{position:relative;margin:0;padding:9px 0 9px 32px;border-bottom:1px solid var(--line)}.pc-list li::before{content:"";position:absolute;left:2px;top:11px;width:16px;height:16px;border:2px solid var(--navy);border-radius:3px}.pc-actions{display:flex;flex-wrap:wrap;gap:10px}.print-foot{display:none}@media (max-width:520px){.pc-qr{width:96px}.pc-actions .btn{width:100%}}.site-footer{background:var(--navy-900);color:#e3eef8;padding-bottom:calc(24px + var(--mb-h,0px))}.footer-grid{display:grid;gap:28px;padding-top:34px;padding-bottom:26px}@media (min-width:900px){.footer-grid{grid-template-columns:0.95fr 1.4fr}}.footer-logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none}.footer-logo .lt-domain{color:#fff}.footer-logo .logo-mark{width:46px}.footer-tagline{margin:12px 0 14px;color:#c8dcef}.footer-contact{margin:0;padding:0;list-style:none;display:grid;gap:8px}.footer-contact li{display:flex;gap:10px;align-items:center;margin:0}.footer-contact a{color:#fff;font-weight:600}.footer-contact .icon{color:var(--sky)}.footer-links{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:18px}.fcol ul{margin:0;padding:0;list-style:none}.fcol li{margin:0 0 6px}.fcol a{color:var(--sky-100);text-decoration:none;font-size:0.95rem}.fcol a:hover{color:#fff;text-decoration:underline}.footer-heading{margin:0 0 10px;font-size:0.78rem;font-weight:800;letter-spacing:0.14em;text-transform:uppercase;color:var(--sky)}.footer-legal{padding-top:18px;border-top:1px solid rgba(169,214,245,0.25);font-size:0.84rem;color:#b9cfe4}.footer-legal p{margin:0 0 8px}.footer-legal a{color:var(--sky-100)}.mobile-bar{display:none}@media (max-width:1079.98px){:root{--mb-h:72px}.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:55;display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:10px max(12px,env(safe-area-inset-right)) calc(10px + env(safe-area-inset-bottom)) max(12px,env(safe-area-inset-left));background:#fff;border-top:3px solid var(--sky);box-shadow:0 -14px 30px rgba(8,42,82,0.16);transition:transform 0.25s ease}.mobile-bar.is-hidden{transform:translateY(120%)}.mobile-bar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:50px;border-radius:999px;font-weight:800;font-size:1.02rem;text-decoration:none}.mb-call{background:var(--green-ink);color:#fff}.mb-quote{background:var(--navy);color:#fff}.mobile-bar a:hover{color:#fff}}.reveal-ready .reveal{transition:opacity 0.55s ease,transform 0.55s cubic-bezier(0.2,0.7,0.2,1);transition-delay:var(--d,0s)}.reveal-ready .reveal:not(.in){opacity:0;transform:translateY(14px)}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:0.001ms !important;transition-duration:0.001ms !important;transition-delay:0s !important}.reveal-ready .reveal:not(.in){opacity:1;transform:none}}@media print{.site-header,.mobile-bar,.quote-card,.cta-band,.final-band,.help-card,.toc-c,.cta-dec,.rl-cta,.ribbon,.hero-cta{display:none !important}.hero-c,.tone-sky,.tone-paper,.tone-ink,.numbers-band{background:none !important;color:#000 !important}.reveal{opacity:1 !important;transform:none !important}}@page{size:letter;margin:0.5in 0.55in 0.55in}@media print{body.rl-print *:not(#closing-checklist):not(#closing-checklist *):not(:has(#closing-checklist)){display:none !important}body.rl-print{background:#fff !important;color:#000 !important;margin:0 !important;padding:0 !important}body.rl-print :has(#closing-checklist){display:block !important;position:static !important;width:auto !important;max-width:none !important;min-height:0 !important;margin:0 !important;padding:0 !important;border:0 !important;background:none !important;box-shadow:none !important;opacity:1 !important;transform:none !important;overflow:visible !important;visibility:visible !important;filter:none !important;backdrop-filter:none !important;contain:none !important;will-change:auto !important;content-visibility:visible !important}body.rl-print :has(#closing-checklist)::before,body.rl-print :has(#closing-checklist)::after{content:none !important;display:none !important}body.rl-print #closing-checklist{display:block !important;position:static !important;max-width:none !important;margin:0 !important;padding:0 0 0.55in !important;border:0 !important;border-radius:0 !important;background:#fff !important;box-shadow:none !important;opacity:1 !important;transform:none !important;font-family:var(--font-body);font-size:11.5pt;line-height:1.35;color:#000 !important}body.rl-print #closing-checklist *{color:#000 !important;background:none !important;box-shadow:none !important;text-shadow:none !important}body.rl-print .pc-head{display:flex !important;align-items:flex-start;gap:18pt;margin:0 0 10pt !important;padding:0 0 9pt !important;border-bottom:2pt solid #000 !important}body.rl-print .pc-wordmark{font-size:13pt;letter-spacing:0.02em;margin:0 0 3pt !important}body.rl-print .pc-title{font-size:23pt;line-height:1.05;margin:0 !important}body.rl-print .pc-sub{font-size:11pt;margin:4pt 0 0 !important}body.rl-print .pc-qr{width:1.3in !important}body.rl-print .pc-qr svg,body.rl-print .pc-qr-code{width:1.3in !important;height:1.3in !important}body.rl-print .pc-qr-code rect{fill:#fff !important}body.rl-print .pc-qr-code path{fill:#000 !important}body.rl-print .pc-qr-cap{font-size:8.5pt;margin-top:2pt !important}body.rl-print .pc-list{display:block !important;columns:1 !important;list-style:none !important;margin:0 !important;padding:0 !important}body.rl-print .pc-list li{position:relative;margin:0 !important;padding:7pt 0 7pt 24pt !important;font-size:12.5pt;border-bottom:0.5pt solid #888 !important;break-inside:avoid}body.rl-print .pc-list li::before{content:"" !important;position:absolute;left:0;top:7.5pt;width:12pt;height:12pt;border:1.2pt solid #000 !important;border-radius:1.5pt;background:none !important}body.rl-print .pc-actions{display:none !important}body.rl-print .print-foot{position:fixed;left:0;right:0;bottom:0;display:block !important;margin:0 !important;padding:5pt 0 0 !important;border-top:1pt solid #000 !important;font-size:9.5pt;line-height:1.35;font-weight:400;text-align:center}body.rl-print .print-foot a{text-decoration:none !important}body.rl-print .print-foot .agent-named{display:block;margin-top:1pt}body.rl-print a[href]::after{content:none !important}}