:root{
  --navy:#24205f;
  --navy-2:#101332;
  --teal:#5577ff;
  --teal-dark:#3b55d9;
  --sky:#eef1ff;
  --ink:#171a35;
  --muted:#667085;
  --line:#dfe3f2;
  --white:#fff;
  --sand:#f7f8fd;
  --shadow:0 20px 55px rgba(39,35,104,.14);
  --radius:18px;
  --container:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
.container{width:min(calc(100% - 40px),var(--container));margin-inline:auto}
.skip-link{position:fixed;left:16px;top:-60px;background:#fff;color:#000;padding:10px 14px;z-index:9999;border-radius:6px;box-shadow:var(--shadow)}
.skip-link:focus{top:16px}
.topbar{background:var(--navy-2);color:#dceaf4;font-size:.88rem}
.topbar-inner{min-height:38px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.topbar a{font-weight:800;color:#fff}
.topbar-divider{margin:0 10px;color:#7ea0b9}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(220,229,234,.8);transition:.25s}
.site-header.scrolled{box-shadow:0 10px 30px rgba(13,59,102,.08)}
.header-inner{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;flex:0 0 auto}.brand img{width:216px;display:block}
.primary-nav{display:flex;align-items:center;gap:24px;font-size:.95rem;font-weight:700;color:#2c3a46}
.primary-nav>a,.nav-dropdown>button{padding:30px 0;position:relative;background:none;border:0;color:inherit;font-weight:700}
.primary-nav>a:not(.btn)::after,.nav-dropdown>button::after{content:"";position:absolute;left:0;right:100%;bottom:20px;height:2px;background:var(--teal);transition:.2s}
.primary-nav>a:hover::after,.primary-nav>a.active::after,.nav-dropdown>button:hover::after{right:0}
.nav-dropdown{position:relative}.nav-dropdown>button span{margin-left:4px}
.dropdown-menu{position:absolute;top:calc(100% - 12px);left:-20px;min-width:235px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:14px;padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.nav-dropdown:hover .dropdown-menu,.nav-dropdown.open .dropdown-menu{opacity:1;visibility:visible;transform:none}
.dropdown-menu a{display:block;padding:11px 13px;border-radius:9px;color:#354653}.dropdown-menu a:hover{background:var(--sky);color:var(--navy)}
.nav-call{display:none}
.nav-quote{padding:12px 18px!important}.nav-quote::after{display:none!important}
.menu-toggle{display:none;border:0;background:none;width:44px;height:44px;padding:10px}
.menu-toggle span{display:block;height:2px;background:var(--navy);margin:6px 0;transition:.2s}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:14px 22px;border:1px solid transparent;font-weight:800;line-height:1.15;transition:transform .18s,box-shadow .18s,background .18s,color .18s;border-color .18s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 10px 22px rgba(24,169,153,.22)}.btn-primary:hover{background:var(--teal-dark)}
.btn-secondary{background:var(--navy);color:#fff;box-shadow:0 10px 22px rgba(13,59,102,.18)}.btn-secondary:hover{background:var(--navy-2)}
.btn-light{background:#fff;color:var(--navy)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff;background:transparent}.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-ghost{border-color:var(--line);background:#fff;color:var(--ink)}
.btn-sm{padding:10px 16px;font-size:.88rem}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--teal-dark);font-weight:900;text-transform:uppercase;letter-spacing:.12em;font-size:.76rem}.eyebrow::before{content:"";width:24px;height:2px;background:currentColor}.eyebrow.light{color:#9de5dc}
h1,h2,h3,h4{color:var(--navy-2);line-height:1.15;margin:0 0 16px;letter-spacing:-.025em}h1{font-size:clamp(2.55rem,5vw,4.65rem)}h2{font-size:clamp(2rem,3.5vw,3.15rem)}h3{font-size:1.25rem}p{margin:0 0 18px}.lead{font-size:1.15rem;color:var(--muted);max-width:720px}.section{padding:92px 0}.section-sm{padding:64px 0}.section-muted{background:var(--sand)}.section-sky{background:linear-gradient(180deg,#f6fbfd,#eaf6fb)}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 92% 8%,rgba(24,169,153,.24),transparent 31%),linear-gradient(125deg,#f7fcfe 0%,#fff 55%,#e8f5f8 100%)}
.hero::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;border:70px solid rgba(13,59,102,.04);right:-260px;top:-210px}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:62px;align-items:center;min-height:680px;padding:70px 0 82px;position:relative;z-index:1}
.hero-copy h1 span{color:var(--teal)}.hero-copy .lead{font-size:1.18rem;margin:22px 0 28px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 28px}.trust-row{display:flex;flex-wrap:wrap;gap:18px;color:#3d5364;font-weight:700;font-size:.9rem}.trust-row span{display:flex;align-items:center;gap:7px}.trust-row span::before{content:"✓";display:grid;place-items:center;width:21px;height:21px;border-radius:50%;background:#d9f3ef;color:var(--teal-dark);font-weight:900}
.hero-card{background:#fff;border:1px solid rgba(13,59,102,.1);border-radius:24px;box-shadow:var(--shadow);padding:28px;position:relative}.hero-card::before{content:"";position:absolute;inset:-12px 14px auto -12px;height:100%;border:1px solid rgba(24,169,153,.28);border-radius:24px;z-index:-1}.hero-card h2{font-size:1.65rem}.hero-card>p{color:var(--muted)}
.mini-quote{display:grid;gap:15px}.field{display:grid;gap:7px}.field label{font-size:.86rem;font-weight:800;color:#304555}.field input,.field select,.field textarea{width:100%;border:1px solid #cdd9e0;background:#fff;border-radius:11px;padding:13px 14px;color:#17212b;outline:none;transition:.18s}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(24,169,153,.12)}.field small{color:var(--muted)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.mini-quote .btn{width:100%;margin-top:4px}.form-note{font-size:.74rem;color:#6e7d88;line-height:1.45;margin:0}.field-error{font-size:.78rem;color:#b42318;display:none}.field.invalid .field-error{display:block}.field.invalid input,.field.invalid select{border-color:#d92d20}
.logo-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.logo-strip-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:92px;color:#6d7f8d}.logo-strip strong{color:var(--navy);white-space:nowrap}.carrier-list{display:flex;align-items:center;justify-content:space-around;gap:26px;flex:1;flex-wrap:wrap}.carrier-pill{font-weight:900;letter-spacing:.02em;color:#60717f;opacity:.9}
.section-heading{max-width:760px;margin:0 auto 46px;text-align:center}.section-heading .lead{margin-inline:auto}.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.coverage-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;min-height:260px;box-shadow:0 10px 30px rgba(13,59,102,.05);transition:.2s;overflow:hidden}.coverage-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#bcded9}.coverage-icon{width:58px;height:58px;border-radius:16px;display:grid;place-items:center;background:var(--sky);color:var(--navy);font-size:28px;margin-bottom:24px}.coverage-card p{color:var(--muted)}.coverage-card a{font-weight:900;color:var(--teal-dark);display:inline-flex;gap:7px;align-items:center}.coverage-card a::after{content:"→"}.coverage-card::after{content:"";position:absolute;width:100px;height:100px;border-radius:50%;background:rgba(24,169,153,.06);right:-45px;bottom:-45px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}.visual-panel{position:relative;min-height:480px;border-radius:28px;background:linear-gradient(145deg,var(--navy),#1a648b);overflow:hidden;box-shadow:var(--shadow);padding:42px;color:#fff}.visual-panel::before,.visual-panel::after{content:"";position:absolute;border-radius:50%;border:35px solid rgba(255,255,255,.07)}.visual-panel::before{width:360px;height:360px;right:-160px;top:-140px}.visual-panel::after{width:220px;height:220px;left:-95px;bottom:-80px}.visual-panel h3{color:#fff;font-size:2rem;max-width:360px;position:relative;z-index:1}.visual-panel p{color:#dceaf4;position:relative;z-index:1}.visual-list{display:grid;gap:14px;margin-top:34px;position:relative;z-index:1}.visual-list div{display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:15px}.visual-list b{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--teal);color:#fff}
.check-list{display:grid;gap:16px;margin:28px 0}.check-item{display:grid;grid-template-columns:38px 1fr;gap:12px;align-items:start}.check-item .check{width:34px;height:34px;border-radius:10px;background:#dff5f1;color:var(--teal-dark);display:grid;place-items:center;font-weight:900}.check-item h3{font-size:1.02rem;margin:2px 0 4px}.check-item p{color:var(--muted);margin:0;font-size:.94rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:steps}.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;counter-increment:steps;position:relative}.step::before{content:"0" counter(steps);display:inline-grid;place-items:center;width:48px;height:48px;border-radius:14px;background:var(--navy);color:#fff;font-weight:900;margin-bottom:22px}.step:not(:last-child)::after{content:"→";position:absolute;right:-21px;top:43px;width:40px;height:40px;display:grid;place-items:center;border-radius:50%;background:#fff;border:1px solid var(--line);color:var(--teal);z-index:2}.step p{color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;background:var(--navy);border-radius:24px;padding:28px;color:#fff}.stat{text-align:center;padding:20px;border-right:1px solid rgba(255,255,255,.15)}.stat:last-child{border:0}.stat strong{display:block;font-size:2rem;line-height:1.1}.stat span{color:#bdd0df;font-size:.9rem}
.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.testimonial{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}.stars{color:#e5a50a;letter-spacing:.15em;margin-bottom:14px}.testimonial p{color:#445563}.person{display:flex;align-items:center;gap:12px;margin-top:20px}.avatar{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--sky);color:var(--navy);font-weight:900}.person strong{display:block}.person span{font-size:.85rem;color:var(--muted)}
.faq-list{max-width:850px;margin:0 auto;display:grid;gap:12px}.faq-item{border:1px solid var(--line);border-radius:14px;background:#fff;overflow:hidden}.faq-question{width:100%;display:flex;justify-content:space-between;gap:24px;text-align:left;background:#fff;border:0;padding:20px 22px;font-weight:900;color:var(--navy-2)}.faq-question span:last-child{font-size:1.35rem;color:var(--teal);transition:.2s}.faq-item.open .faq-question span:last-child{transform:rotate(45deg)}.faq-answer{display:grid;grid-template-rows:0fr;transition:.25s}.faq-answer>div{overflow:hidden}.faq-answer p{padding:0 22px 20px;color:var(--muted);margin:0}.faq-item.open .faq-answer{grid-template-rows:1fr}
.page-hero{padding:88px 0 72px;background:radial-gradient(circle at 85% 15%,rgba(24,169,153,.25),transparent 25%),linear-gradient(135deg,#f6fbfd,#eaf6fb)}.page-hero-grid{display:grid;grid-template-columns:1fr .7fr;gap:50px;align-items:center}.page-hero h1{font-size:clamp(2.5rem,4.5vw,4rem)}.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;font-size:.85rem;color:var(--muted);margin-bottom:18px}.breadcrumb a{color:var(--teal-dark);font-weight:800}.page-badge{min-height:280px;border-radius:26px;background:linear-gradient(145deg,var(--navy),#19618a);display:grid;place-items:center;color:#fff;position:relative;overflow:hidden}.page-badge .big-icon{font-size:92px;filter:drop-shadow(0 12px 12px rgba(0,0,0,.2))}.page-badge::before{content:"";position:absolute;width:300px;height:300px;border:45px solid rgba(255,255,255,.08);border-radius:50%;right:-100px;top:-110px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:50px}.article h2{margin-top:40px}.article h3{margin-top:28px}.article p,.article li{color:#465866}.article ul{padding-left:20px}.article .callout{padding:22px;border-left:4px solid var(--teal);background:var(--sky);border-radius:0 14px 14px 0;margin:28px 0}.sidebar-card{position:sticky;top:120px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 12px 30px rgba(13,59,102,.06)}.sidebar-card h3{font-size:1.35rem}.sidebar-card .btn{width:100%;margin-top:8px}.sidebar-card ul{list-style:none;padding:0;margin:18px 0}.sidebar-card li{padding:9px 0;border-bottom:1px solid var(--line);font-size:.9rem;color:var(--muted)}
.quote-page{background:linear-gradient(180deg,#eef8fb,#fff);padding:64px 0 90px}.quote-shell{max-width:900px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);overflow:hidden}.quote-header{padding:28px 34px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;align-items:center}.quote-header h1{font-size:1.9rem;margin:0}.quote-progress{height:8px;background:#e4ecef}.quote-progress span{display:block;height:100%;width:25%;background:linear-gradient(90deg,var(--teal),#52c8b9);transition:.25s}.quote-body{padding:36px}.quote-step{display:none}.quote-step.active{display:block}.quote-step h2{font-size:1.8rem}.quote-step>p{color:var(--muted)}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0}.choice{position:relative}.choice input{position:absolute;opacity:0}.choice label{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;min-height:125px;padding:18px;border:1px solid #ccd8df;border-radius:14px;font-weight:800;color:#405362;transition:.18s}.choice label span{font-size:30px}.choice input:checked+label{border-color:var(--teal);background:#effaf8;color:var(--navy);box-shadow:0 0 0 3px rgba(24,169,153,.1)}.quote-actions{display:flex;justify-content:space-between;gap:12px;margin-top:28px}.quote-actions .btn:last-child{margin-left:auto}.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;margin-top:18px;font-size:.78rem;color:#637482}.consent input{margin-top:4px}.success-panel{text-align:center;padding:25px}.success-icon{width:84px;height:84px;border-radius:50%;display:grid;place-items:center;background:#dff5f1;color:var(--teal-dark);font-size:40px;font-weight:900;margin:0 auto 24px}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px}.contact-card{background:var(--navy);color:#fff;border-radius:24px;padding:36px}.contact-card h2,.contact-card h3{color:#fff}.contact-card p{color:#ccdae5}.contact-list{display:grid;gap:18px;margin-top:30px}.contact-list a,.contact-list div{display:grid;grid-template-columns:42px 1fr;gap:12px;align-items:center}.contact-list b{width:42px;height:42px;display:grid;place-items:center;background:rgba(255,255,255,.1);border-radius:12px}.contact-form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:0 12px 35px rgba(13,59,102,.06)}.contact-form form{display:grid;gap:16px}
.legal{max-width:900px;margin:0 auto}.legal h2{margin-top:40px}.legal h3{margin-top:26px}.legal p,.legal li{color:#485a67}.legal .updated{display:inline-block;background:var(--sky);padding:7px 12px;border-radius:999px;color:var(--navy);font-weight:800;font-size:.84rem;margin-bottom:24px}
.footer-cta{background:linear-gradient(125deg,var(--navy),#155e84);padding:52px 0;color:#fff}.footer-cta-inner{display:flex;justify-content:space-between;align-items:center;gap:35px}.footer-cta h2{color:#fff;margin:7px 0 0}.footer-cta-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end}.site-footer{background:#071f35;color:#bccbd6;padding:66px 0 20px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.25fr;gap:46px}.footer-brand img{width:220px;margin-bottom:18px}.footer-brand p{max-width:440px;font-size:.88rem}.site-footer h3{color:#fff;font-size:1rem;margin-bottom:18px}.site-footer a,.site-footer span{display:block;color:#bccbd6;margin:9px 0;font-size:.9rem}.site-footer a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:45px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:.84rem}.footer-bottom nav{display:flex;gap:20px}.footer-bottom a,.footer-bottom span{margin:0}
.cookie-banner{position:fixed;left:22px;right:22px;bottom:22px;z-index:3000;max-width:720px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 22px 60px rgba(0,0,0,.2);padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px}.cookie-banner[hidden]{display:none}.cookie-banner p{margin:0;font-size:.86rem;color:var(--muted)}.cookie-banner>div{display:flex;gap:8px;flex:0 0 auto}.mobile-call-bar{display:none}
.notice{padding:15px 17px;border-radius:12px;margin:0 0 18px}.notice.success{background:#e6f7f2;color:#0f6c5f;border:1px solid #b9e6dc}.notice.error{background:#fff1f0;color:#9b1c15;border:1px solid #f4c7c3}.honeypot{position:absolute!important;left:-9999px!important;opacity:0!important;height:1px!important;width:1px!important}
@media (max-width:1050px){
  .menu-toggle{display:block}.primary-nav{position:fixed;top:86px;left:0;right:0;background:#fff;display:block;padding:16px 24px 28px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(13,59,102,.12);transform:translateY(-130%);opacity:0;visibility:hidden;transition:.22s;max-height:calc(100vh - 86px);overflow:auto}.primary-nav.open{transform:none;opacity:1;visibility:visible}.primary-nav>a,.nav-dropdown>button{display:block;width:100%;text-align:left;padding:13px 0}.primary-nav>a::after,.nav-dropdown>button::after{display:none}.dropdown-menu{position:static;box-shadow:none;border:0;padding:0 0 8px 14px;opacity:1;visibility:visible;transform:none;display:none}.nav-dropdown.open .dropdown-menu{display:block}.nav-call{display:block!important}.nav-quote{margin-top:8px;text-align:center!important}.hero-grid{grid-template-columns:1fr;min-height:auto}.hero-copy{text-align:center}.hero-copy .lead{margin-inline:auto}.hero-actions,.trust-row{justify-content:center}.hero-card{max-width:650px;margin:auto}.coverage-grid{grid-template-columns:repeat(2,1fr)}.split{gap:42px}.content-grid{grid-template-columns:1fr}.sidebar-card{position:static}.footer-grid{grid-template-columns:2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.page-hero-grid{grid-template-columns:1fr .55fr}
}
@media (max-width:760px){
  .container{width:min(calc(100% - 28px),var(--container))}.topbar-inner{justify-content:center;min-height:34px}.topbar-inner>span{display:none}.header-inner{min-height:72px}.brand img{width:186px}.primary-nav{top:72px;max-height:calc(100vh - 72px)}.section{padding:68px 0}.section-sm{padding:48px 0}.hero-grid{padding:52px 0 64px;gap:38px}.hero-card{padding:22px}.form-row{grid-template-columns:1fr}.logo-strip-inner{display:block;text-align:center;padding:24px 0}.carrier-list{margin-top:18px}.coverage-grid,.steps,.testimonial-grid,.choice-grid{grid-template-columns:1fr}.coverage-card{min-height:auto}.split,.page-hero-grid,.contact-grid{grid-template-columns:1fr}.visual-panel{min-height:430px}.step:not(:last-child)::after{display:none}.stats{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.15)}.page-hero{padding:58px 0}.page-badge{min-height:220px}.quote-page{padding:36px 0 72px}.quote-header{padding:22px;display:block}.quote-header p{margin:8px 0 0}.quote-body{padding:24px 20px}.quote-actions{flex-wrap:wrap}.quote-actions .btn{flex:1}.footer-cta-inner,.footer-bottom{display:block;text-align:center}.footer-cta-actions{justify-content:center;margin-top:24px}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom nav{justify-content:center;margin-top:12px;flex-wrap:wrap}.cookie-banner{display:block}.cookie-banner>div{margin-top:12px}.mobile-call-bar{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:1800;text-align:center;background:var(--teal);color:#fff;border-radius:999px;padding:13px 18px;font-weight:900;box-shadow:0 10px 30px rgba(0,0,0,.24)}body{padding-bottom:70px}.cookie-banner{bottom:82px}.footer-cta h2{font-size:1.9rem}
}
@media (max-width:470px){.coverage-grid,.footer-grid,.stats{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid rgba(255,255,255,.15)!important}.stat:last-child{border-bottom:0!important}.hero-actions .btn{width:100%}.trust-row{display:grid}.page-badge{display:none}.footer-grid>div{grid-column:auto!important}.quote-actions .btn{width:100%;flex:auto}.cookie-banner>div{display:grid}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
/* WordPress integration */
body.admin-bar .site-header{top:32px}
.brand strong{font-size:1.35rem;color:var(--navy);font-weight:900}
@media(max-width:782px){body.admin-bar .site-header{top:46px}}
.brand .brand-mark{width:48px;height:48px;flex:0 0 48px}.brand-name{font-size:1.18rem;line-height:1.08;max-width:230px}.footer-text-logo{display:flex;align-items:center;gap:12px;margin-bottom:18px;color:#fff}.footer-text-logo img{width:48px;height:48px}.footer-text-logo strong{font-size:1.2rem;color:#fff}

/* v1.3 form and disclosure fixes */
.choice-grid.invalid + .field-error{display:block}.choice-grid.invalid .choice label{border-color:#d92d20}.consent.invalid{border:1px solid #d92d20;background:#fff5f4;padding:12px;border-radius:10px}.consent.invalid .field-error{display:block;grid-column:2}.footer-disclosure{border-top:1px solid rgba(255,255,255,.12);margin-top:42px;padding-top:28px}.footer-disclosure h3{margin-bottom:10px}.footer-disclosure p{max-width:none;font-size:.82rem;line-height:1.65;color:#aebfcb;margin-bottom:10px}.footer-disclosure .footer-disclosure-links{color:#d4e0e8}.footer-disclosure .footer-disclosure-links a{display:inline;margin:0;color:#fff;font-weight:700}.footer-disclosure .footer-disclosure-links a:hover{text-decoration:underline}


/* v1.4 current-domain, premium header, call-link and 3D background update */
:root{--accent:#55d6be;--accent-2:#a855f7;--deep:#090c24}
body{background:linear-gradient(180deg,#fbfcff 0%,#f6f7ff 46%,#fff 100%)}
main,.utility-bar,.site-header,.footer-cta,.site-footer{position:relative;z-index:2}
.site-ambient{position:fixed;inset:0;z-index:0;overflow:hidden;pointer-events:none;background:radial-gradient(circle at 15% 18%,rgba(85,119,255,.10),transparent 24%),radial-gradient(circle at 88% 14%,rgba(168,85,247,.09),transparent 25%),linear-gradient(180deg,#fbfcff,#f7f8ff 60%,#fff)}
.ambient-orb,.ambient-cube{position:absolute;display:block;filter:blur(.1px);will-change:transform}
.ambient-orb{border-radius:50%;background:linear-gradient(135deg,rgba(85,214,190,.22),rgba(85,119,255,.13));box-shadow:inset -18px -20px 35px rgba(36,32,95,.12),0 25px 65px rgba(85,119,255,.12)}
.ambient-orb-one{width:310px;height:310px;left:-120px;top:26%;animation:qiipFloatA 17s ease-in-out infinite}
.ambient-orb-two{width:220px;height:220px;right:-55px;top:58%;animation:qiipFloatB 19s ease-in-out infinite}
.ambient-cube{width:90px;height:90px;border:1px solid rgba(85,119,255,.18);border-radius:24px;background:linear-gradient(145deg,rgba(255,255,255,.72),rgba(85,119,255,.08));box-shadow:inset 12px 12px 28px rgba(255,255,255,.8),inset -12px -12px 28px rgba(85,119,255,.10),0 25px 60px rgba(26,25,82,.10);transform:rotate(25deg) skew(-5deg)}
.ambient-cube-one{left:7%;top:68%;animation:qiipCubeA 21s ease-in-out infinite}
.ambient-cube-two{right:10%;top:30%;width:65px;height:65px;border-radius:18px;animation:qiipCubeB 16s ease-in-out infinite}
@keyframes qiipFloatA{0%,100%{transform:translate3d(0,0,0) rotate(0)}50%{transform:translate3d(55px,-42px,0) rotate(12deg)}}
@keyframes qiipFloatB{0%,100%{transform:translate3d(0,0,0) scale(1)}50%{transform:translate3d(-35px,45px,0) scale(1.08)}}
@keyframes qiipCubeA{0%,100%{transform:translate3d(0,0,0) rotate(22deg) skew(-5deg)}50%{transform:translate3d(30px,-55px,0) rotate(58deg) skew(-5deg)}}
@keyframes qiipCubeB{0%,100%{transform:translate3d(0,0,0) rotate(-18deg)}50%{transform:translate3d(-30px,38px,0) rotate(24deg)}}
.utility-bar{background:linear-gradient(100deg,var(--deep),#171b4a 55%,#24205f);color:#dfe5ff;border-bottom:1px solid rgba(255,255,255,.09);font-size:.78rem}
.utility-inner{min-height:48px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.utility-badges,.utility-links{display:flex;align-items:center;gap:18px}
.utility-badges>span:not(:first-child){padding-left:18px;border-left:1px solid rgba(255,255,255,.14)}
.utility-status{display:flex;align-items:center;gap:8px;color:#fff;font-weight:800}
.utility-status i{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 5px rgba(85,214,190,.13);animation:qiipPulse 2s ease-in-out infinite}
@keyframes qiipPulse{50%{box-shadow:0 0 0 9px rgba(85,214,190,0)}}
.utility-links>a{color:#eef1ff;font-weight:750}
.utility-links>a:hover{color:#fff}
.utility-call{display:flex!important;align-items:center;gap:9px;border-left:1px solid rgba(255,255,255,.14);padding-left:18px}
.utility-call small{color:#aeb9e8;text-transform:uppercase;letter-spacing:.1em;font-size:.62rem}.utility-call strong{font-size:.92rem;color:#fff}
.site-header{background:rgba(255,255,255,.88);border-bottom-color:rgba(127,137,190,.18);box-shadow:0 12px 35px rgba(25,24,77,.04)}
.site-header.scrolled{background:rgba(255,255,255,.95);box-shadow:0 15px 42px rgba(25,24,77,.11)}
.primary-nav>a:not(.btn)::after,.nav-dropdown>button::after{background:linear-gradient(90deg,var(--teal),var(--accent-2))}
.btn-primary{background:linear-gradient(135deg,var(--teal),#7458ee);box-shadow:0 12px 28px rgba(85,119,255,.27)}
.btn-primary:hover{background:linear-gradient(135deg,var(--teal-dark),#6844da);box-shadow:0 16px 35px rgba(85,119,255,.33)}
.btn-secondary{background:linear-gradient(135deg,var(--navy),var(--navy-2))}
.hero{isolation:isolate;background:radial-gradient(circle at 88% 12%,rgba(168,85,247,.18),transparent 27%),radial-gradient(circle at 12% 85%,rgba(85,214,190,.16),transparent 26%),linear-gradient(125deg,rgba(248,250,255,.96),rgba(255,255,255,.94) 54%,rgba(237,240,255,.94))}
.hero-grid{position:relative;z-index:2}
.hero-3d-scene{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden;perspective:900px}
.hero-ring{position:absolute;right:4%;top:7%;width:410px;height:410px;border-radius:50%;border:58px solid rgba(85,119,255,.055);box-shadow:inset 0 0 0 18px rgba(168,85,247,.03);animation:qiipRing 18s linear infinite}
.hero-tile{position:absolute;border:1px solid rgba(85,119,255,.2);background:linear-gradient(145deg,rgba(255,255,255,.88),rgba(85,119,255,.08));box-shadow:0 35px 70px rgba(31,29,91,.14),inset 10px 10px 30px rgba(255,255,255,.9);border-radius:24px;transform-style:preserve-3d}
.tile-a{width:112px;height:112px;right:8%;top:18%;transform:rotateX(58deg) rotateZ(28deg);animation:qiipTileA 12s ease-in-out infinite}
.tile-b{width:74px;height:74px;right:35%;bottom:9%;border-radius:18px;transform:rotateX(50deg) rotateZ(-24deg);animation:qiipTileB 14s ease-in-out infinite}
.hero-sphere{position:absolute;width:105px;height:105px;border-radius:50%;right:29%;top:11%;background:radial-gradient(circle at 32% 27%,#fff 0 8%,#8ee8da 26%,#5577ff 70%,#24205f 100%);box-shadow:inset -18px -22px 28px rgba(16,19,50,.35),0 26px 60px rgba(85,119,255,.26);animation:qiipSphere 10s ease-in-out infinite}
@keyframes qiipRing{to{transform:rotate(360deg)}}
@keyframes qiipTileA{0%,100%{transform:translateY(0) rotateX(58deg) rotateZ(28deg)}50%{transform:translateY(-28px) rotateX(68deg) rotateZ(45deg)}}
@keyframes qiipTileB{0%,100%{transform:translateY(0) rotateX(50deg) rotateZ(-24deg)}50%{transform:translateY(25px) rotateX(62deg) rotateZ(-7deg)}}
@keyframes qiipSphere{0%,100%{transform:translate3d(0,0,0) rotate(0)}50%{transform:translate3d(18px,28px,0) rotate(16deg)}}
.hero-card{position:relative;z-index:3;background:rgba(255,255,255,.82);backdrop-filter:blur(18px);border-color:rgba(108,115,188,.2);box-shadow:0 28px 75px rgba(28,27,85,.17)}
.coverage-card,.step,.testimonial,.contact-form,.quote-shell,.license-card{background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-color:rgba(120,128,184,.19);box-shadow:0 16px 45px rgba(36,32,95,.08)}
.coverage-card:hover{transform:translateY(-6px) rotateX(1deg);box-shadow:0 24px 58px rgba(36,32,95,.14)}
.page-hero,.quote-page{background:radial-gradient(circle at 90% 12%,rgba(168,85,247,.11),transparent 25%),linear-gradient(180deg,rgba(241,244,255,.94),rgba(255,255,255,.96))}
.footer-cta{background:linear-gradient(120deg,#24205f,#3d2b83 58%,#3553b8)}
.site-footer{background:linear-gradient(150deg,#080b22,#111638 55%,#1a1850)}
[data-call-link]{position:relative;z-index:5;pointer-events:auto;touch-action:manipulation}
.footer-license-button{display:inline-flex!important;color:#fff!important;font-weight:800!important;padding:10px 14px;border:1px solid rgba(255,255,255,.2);border-radius:999px;margin-top:8px!important}
.footer-license-button:hover{background:rgba(255,255,255,.08)}
.licensing-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:30px;align-items:start}
.license-card{border:1px solid var(--line);border-radius:24px;padding:34px}
.license-card-primary{background:linear-gradient(145deg,rgba(255,255,255,.97),rgba(239,242,255,.91))}
.license-details{margin:26px 0 0}.license-details>div{display:grid;grid-template-columns:210px 1fr;gap:18px;padding:17px 0;border-bottom:1px solid var(--line)}.license-details>div:last-child{border-bottom:0}.license-details dt{font-weight:850;color:var(--navy)}.license-details dd{margin:0;color:var(--muted)}
.license-card .btn{width:100%;margin-top:10px}.license-seal{width:245px;height:245px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;margin-left:auto;color:#fff;background:radial-gradient(circle at 32% 25%,#8ee8da,#5577ff 46%,#24205f 82%);box-shadow:inset -24px -28px 45px rgba(8,11,34,.28),0 35px 70px rgba(54,55,142,.27);animation:qiipSeal 8s ease-in-out infinite}.license-seal span{width:60px;height:60px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.18);font-size:34px;margin-bottom:14px}.license-seal strong{font-size:1.25rem}.license-seal small{max-width:150px;color:#e6eaff;margin-top:5px}
@keyframes qiipSeal{0%,100%{transform:translateY(0) rotate(-2deg)}50%{transform:translateY(-14px) rotate(2deg)}}
.licensing-copy .callout{border-left-color:var(--accent-2)}
@media(max-width:1050px){.utility-badges>span:nth-child(n+3){display:none}.hero-ring{right:-140px}.utility-inner{gap:12px}.licensing-grid{grid-template-columns:1fr}.license-seal{margin:30px auto 0}}
@media(max-width:760px){.utility-bar{font-size:.72rem}.utility-inner{min-height:42px}.utility-badges>span:not(.utility-status){display:none}.utility-status{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:45vw}.utility-links>a:not(.utility-call){display:none}.utility-call{border-left:0;padding-left:0}.utility-call small{display:none}.utility-call strong{font-size:.82rem}.site-header{top:0}.primary-nav{top:72px}.hero-3d-scene{opacity:.62}.hero-ring{width:310px;height:310px;right:-170px;top:3%}.hero-sphere{width:70px;height:70px;right:8%;top:11%}.tile-a{width:78px;height:78px}.tile-b{display:none}.license-details>div{grid-template-columns:1fr;gap:4px}.license-seal{width:205px;height:205px}}
@media(max-width:470px){.utility-status{max-width:50vw}.utility-call strong{font-size:.76rem}.ambient-cube,.ambient-orb{opacity:.55}}
@media(prefers-reduced-motion:reduce){.site-ambient *,.hero-3d-scene *,.utility-status i,.license-seal{animation:none!important}}

@media(max-width:1050px){.primary-nav{top:var(--qiip-nav-top,86px)!important;max-height:calc(100vh - var(--qiip-nav-top,86px))!important}}

/* v1.5 targeted fixes: reliable dropdown, dial links, and protected licensing page */
#primary-nav .nav-dropdown{position:relative!important;z-index:1305!important;overflow:visible!important}
#primary-nav .insurance-menu-toggle{display:flex;align-items:center;gap:5px;white-space:nowrap}
#primary-nav .insurance-menu-toggle span{display:inline-block;transition:transform .2s ease}
#primary-nav .nav-dropdown.open .insurance-menu-toggle span,
#primary-nav .nav-dropdown:focus-within .insurance-menu-toggle span{transform:rotate(180deg)}
#primary-nav .dropdown-menu{
  display:block!important;
  z-index:1400!important;
  opacity:0!important;
  visibility:hidden!important;
  pointer-events:none!important;
  transform:translateY(10px)!important;
}
#primary-nav .nav-dropdown:hover .dropdown-menu,
#primary-nav .nav-dropdown:focus-within .dropdown-menu,
#primary-nav .nav-dropdown.open .dropdown-menu{
  display:block!important;
  opacity:1!important;
  visibility:visible!important;
  pointer-events:auto!important;
  transform:translateY(0)!important;
}
#primary-nav .dropdown-menu a{position:relative;z-index:1}
.site-header,.header-inner,.primary-nav{overflow:visible!important}
a[data-call-link]{cursor:pointer!important;pointer-events:auto!important}

.reference-license-hero{padding:66px 0 58px;background:linear-gradient(180deg,#eef4ff 0%,#f8faff 100%);border-bottom:1px solid var(--line)}
.reference-license-hero .container{max-width:980px}
.reference-license-hero h1{max-width:760px;margin-bottom:14px}
.reference-license-hero .lead{max-width:760px}
.reference-license-section{background:#fff}
.reference-license-wrap{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:48px;align-items:start;max-width:1080px}
.reference-license-content h2{margin:34px 0 12px;font-size:1.55rem}
.reference-license-content h2:first-child{margin-top:0}
.reference-license-content>p{color:var(--muted)}
.reference-license-table{margin:28px 0 38px;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}
.reference-license-row{display:grid;grid-template-columns:240px minmax(0,1fr);gap:28px;padding:18px 22px;border-bottom:1px solid var(--line);align-items:start}
.reference-license-row:last-child{border-bottom:0}
.reference-license-row>span{font-weight:750;color:var(--muted)}
.reference-license-row>strong{font-weight:750;color:var(--ink);overflow-wrap:anywhere}
.reference-license-row a{color:var(--teal-dark);text-decoration:underline;text-underline-offset:3px}
.reference-license-states{margin:36px 0}
.reference-state-list{display:flex;flex-wrap:wrap;gap:10px}
.reference-state-list span{display:inline-flex;padding:8px 13px;border:1px solid #cfd8ec;border-radius:999px;background:#f7f9ff;color:var(--navy);font-size:.88rem;font-weight:750}
.reference-license-sidebar{position:sticky;top:130px;display:grid;gap:18px}
.reference-license-panel{padding:28px;border:1px solid var(--line);border-radius:16px;background:#f8faff;box-shadow:0 14px 35px rgba(31,47,91,.08)}
.reference-license-panel h3{margin:0 0 8px;font-size:1.3rem}
.reference-license-panel p{margin:0 0 20px;color:var(--muted)}
.reference-license-panel .btn{display:flex;width:100%;justify-content:center;margin-top:10px}
.reference-license-number{margin:20px 0;padding:16px;border-radius:10px;background:#fff;border:1px solid var(--line)}
.reference-license-number small{display:block;color:var(--muted);font-weight:700;margin-bottom:4px}
.reference-license-number strong{font-size:1.12rem;color:var(--navy);overflow-wrap:anywhere}
.reference-license-note{padding:20px 22px;border-left:4px solid var(--teal);background:#f7f9ff;border-radius:0 12px 12px 0}
.reference-license-note p{margin:5px 0 0;color:var(--muted);font-size:.9rem}

@media(max-width:1050px){
  #primary-nav .dropdown-menu{display:none!important;position:static!important;opacity:1!important;visibility:visible!important;pointer-events:auto!important;transform:none!important;min-width:0!important;width:100%!important}
  #primary-nav .nav-dropdown:hover .dropdown-menu,
  #primary-nav .nav-dropdown:focus-within .dropdown-menu{display:none!important}
  #primary-nav .nav-dropdown.open .dropdown-menu{display:block!important}
  #primary-nav .insurance-menu-toggle{width:100%;justify-content:space-between}
}
@media(max-width:900px){
  .reference-license-wrap{grid-template-columns:1fr;gap:30px}
  .reference-license-sidebar{position:static;grid-row:1}
}
@media(max-width:620px){
  .reference-license-hero{padding:48px 0 42px}
  .reference-license-row{grid-template-columns:1fr;gap:5px;padding:16px 18px}
  .reference-license-panel{padding:22px}
}

/* v1.7 reliability fixes: native Insurance dropdown and non-blocking call links */
#primary-nav details.nav-dropdown{position:relative!important;z-index:1305!important;overflow:visible!important;margin:0;padding:0}
#primary-nav summary.insurance-menu-toggle{list-style:none;display:flex;align-items:center;gap:5px;padding:30px 0;position:relative;background:none;border:0;color:inherit;font-weight:700;cursor:pointer;white-space:nowrap;user-select:none}
#primary-nav summary.insurance-menu-toggle::-webkit-details-marker{display:none}
#primary-nav summary.insurance-menu-toggle::marker{display:none;content:""}
#primary-nav summary.insurance-menu-toggle::after{content:"";position:absolute;left:0;right:100%;bottom:20px;height:2px;background:linear-gradient(90deg,var(--teal),var(--accent-2));transition:.2s}
#primary-nav details.nav-dropdown:hover summary.insurance-menu-toggle::after,
#primary-nav details.nav-dropdown[open] summary.insurance-menu-toggle::after{right:0}
#primary-nav details.nav-dropdown[open] summary.insurance-menu-toggle span{transform:rotate(180deg)}
#primary-nav details.nav-dropdown[open] .dropdown-menu{display:block!important;opacity:1!important;visibility:visible!important;pointer-events:auto!important;transform:translateY(0)!important}
#primary-nav details.nav-dropdown:not([open]) .dropdown-menu{opacity:0!important;visibility:hidden!important;pointer-events:none!important}
a[data-call-link]{cursor:pointer!important;pointer-events:auto!important;touch-action:manipulation!important;-webkit-tap-highlight-color:rgba(0,0,0,.08)}

@media(min-width:1051px){
  #primary-nav details.nav-dropdown:hover .dropdown-menu{display:block!important;opacity:1!important;visibility:visible!important;pointer-events:auto!important;transform:translateY(0)!important}
}
@media(max-width:1050px){
  #primary-nav summary.insurance-menu-toggle{width:100%;justify-content:space-between;padding:13px 0;text-align:left}
  #primary-nav summary.insurance-menu-toggle::after{display:none!important}
  #primary-nav details.nav-dropdown .dropdown-menu{position:static!important;min-width:0!important;width:100%!important;box-shadow:none!important;border:0!important;padding:0 0 8px 14px!important;transform:none!important}
  #primary-nav details.nav-dropdown:not([open]) .dropdown-menu{display:none!important}
  #primary-nav details.nav-dropdown[open] .dropdown-menu{display:block!important}
}
.qiip-call-notice{position:fixed;right:18px;bottom:18px;z-index:99999;max-width:min(390px,calc(100% - 36px));padding:14px 17px;border-radius:12px;background:#111638;color:#fff;font-weight:750;font-size:.9rem;line-height:1.45;box-shadow:0 18px 45px rgba(0,0,0,.28);opacity:0;visibility:hidden;transform:translateY(12px);transition:.2s;pointer-events:none}
.qiip-call-notice.show{opacity:1;visibility:visible;transform:none}
@media(max-width:760px){.qiip-call-notice{display:none}}


/* v1.8 deep reliability fixes: page content, dropdown stacking, and desktop calling */
html body .site-ambient{z-index:0!important}
html body .utility-bar{
  position:relative!important;
  z-index:10020!important;
  overflow:visible!important;
}
html body #site-header.site-header{
  position:sticky!important;
  top:0;
  z-index:10010!important;
  overflow:visible!important;
  isolation:isolate;
}
html body.admin-bar #site-header.site-header{top:32px}
html body #site-header .header-inner{
  position:relative!important;
  z-index:10011!important;
  overflow:visible!important;
}
html body #primary-nav.primary-nav{
  z-index:10012!important;
}
html body main#main-content{
  position:relative!important;
  z-index:1!important;
}
html body #primary-nav details.nav-dropdown{
  position:relative!important;
  z-index:10013!important;
  overflow:visible!important;
}
html body #primary-nav details.nav-dropdown .dropdown-menu{
  top:calc(100% - 7px)!important;
  z-index:10030!important;
  overflow:visible!important;
  clip:auto!important;
  filter:none!important;
}
@media(min-width:1051px){
  html body #primary-nav details.nav-dropdown .dropdown-menu{display:none!important}
  html body #primary-nav details.nav-dropdown[open] .dropdown-menu,
  html body #primary-nav details.nav-dropdown:hover .dropdown-menu,
  html body #primary-nav details.nav-dropdown:focus-within .dropdown-menu{
    display:block!important;
    opacity:1!important;
    visibility:visible!important;
    pointer-events:auto!important;
    transform:none!important;
  }
}
@media(max-width:1050px){
  html body #primary-nav.primary-nav{
    z-index:10040!important;
    overflow-y:auto!important;
    overflow-x:hidden!important;
  }
}
@media(max-width:782px){
  html body.admin-bar #site-header.site-header{top:46px}
}

.qiip-call-dialog{position:fixed;inset:0;z-index:120000;display:none;align-items:center;justify-content:center;padding:20px}
.qiip-call-dialog.open{display:flex}
.qiip-call-dialog-backdrop{position:absolute;inset:0;background:rgba(7,12,39,.68);backdrop-filter:blur(5px)}
.qiip-call-dialog-card{position:relative;z-index:1;width:min(460px,100%);padding:34px;border-radius:22px;background:#fff;text-align:center;box-shadow:0 30px 90px rgba(0,0,0,.34)}
.qiip-call-dialog-close{position:absolute;right:14px;top:10px;width:40px;height:40px;border:0;border-radius:50%;background:#f0f2fa;color:var(--navy);font-size:1.65rem;line-height:1}
.qiip-call-dialog-icon{display:grid;place-items:center;width:66px;height:66px;margin:0 auto 16px;border-radius:20px;background:var(--sky);color:var(--navy);font-size:2rem}
.qiip-call-dialog-card h2{font-size:1.75rem;margin-bottom:8px}
.qiip-call-dialog-number{font-size:1.35rem;font-weight:900;color:var(--navy);margin-bottom:8px}
.qiip-call-dialog-help{font-size:.9rem;color:var(--muted);margin-bottom:22px}
.qiip-call-dialog-actions{display:flex;justify-content:center;gap:10px;flex-wrap:wrap}
@media(max-width:520px){.qiip-call-dialog-actions .btn{width:100%}}

/* v1.9 reference licensing page and independent-retailer notice */

/* v2.0 reference licensing page and independent-retailer notice */
html body .independent-retailer-notice{
  position:relative;z-index:10030;width:100%;border-bottom:1px solid #e6c64d;
  background:#fffced;color:#9d3c08;font-size:.82rem;line-height:1.55
}
.independent-retailer-notice-inner{
  width:min(calc(100% - 36px),1810px);min-height:61px;margin-inline:auto;display:flex;
  align-items:flex-start;justify-content:center;gap:10px;padding:8px 0 9px;text-align:center
}
.independent-retailer-notice-icon{flex:0 0 auto;color:#f59e0b;font-size:1rem;line-height:1.55}
.independent-retailer-notice p{margin:0;max-width:1760px}.independent-retailer-notice strong{font-weight:900;color:#a23e08}

.ref-license-container{max-width:1120px}
.ref-license-hero{position:relative;z-index:2;padding:72px 0 70px;background:linear-gradient(135deg,#effaf8 0%,#f8fcfb 55%,#fff 100%);border-bottom:1px solid #dce9e6;text-align:center}
.ref-license-eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:17px;color:#0b9187;font-size:.78rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.ref-license-eyebrow span{display:grid;place-items:center;width:23px;height:23px;border-radius:50%;background:#d9f5f1;color:#0c8f85}
.ref-license-hero h1{margin:0 0 14px;color:#1d2937;font-size:clamp(2.45rem,5vw,4rem);line-height:1.04;letter-spacing:-.045em}
.ref-license-hero p{max-width:760px;margin:0 auto;color:#5b6674;font-size:1.07rem;line-height:1.75}
.ref-license-main{position:relative;z-index:2;padding:54px 0 88px;background:#f7f9f9}
.ref-license-status-card{display:grid;grid-template-columns:72px minmax(0,1fr) auto;align-items:center;gap:22px;margin-bottom:28px;padding:27px 30px;background:#fff;border:1px solid #dbe7e4;border-radius:12px;box-shadow:0 8px 28px rgba(20,69,65,.06)}
.ref-license-shield{display:grid;place-items:center;width:68px;height:68px;border-radius:14px;background:#e9f8f5;color:#0e9a8d}.ref-license-shield svg{width:42px;height:48px}
.ref-license-kicker,.ref-license-section-label{display:block;margin-bottom:5px;color:#0b9387;font-size:.75rem;font-weight:900;letter-spacing:.105em;text-transform:uppercase}
.ref-license-status-copy h2{margin:0 0 5px;color:#202b38;font-size:1.45rem;letter-spacing:-.02em}.ref-license-status-copy p{margin:0;color:#606c77;line-height:1.65}
.ref-license-active{display:inline-flex;align-items:center;gap:8px;padding:8px 13px;border-radius:999px;background:#e9f8ef;color:#1b7741;font-size:.78rem;font-weight:900;white-space:nowrap}.ref-license-active i{width:8px;height:8px;border-radius:50%;background:#25a85e;box-shadow:0 0 0 4px rgba(37,168,94,.12)}
.ref-license-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start}
.ref-license-primary{display:grid;gap:25px}.ref-license-sidebar{display:grid;gap:20px;position:sticky;top:126px}
.ref-license-panel{background:#fff;border:1px solid #dbe5e3;border-radius:12px;box-shadow:0 7px 24px rgba(20,55,61,.045)}
.ref-license-company-panel,.ref-license-nationwide-panel,.ref-license-meaning-panel{padding:30px}
.ref-license-panel-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;padding-bottom:20px;border-bottom:1px solid #e7eceb}
.ref-license-panel-heading h2,.ref-license-meaning-panel h2,.ref-license-contact-panel h2{margin:0;color:#202b38;font-size:1.5rem;letter-spacing:-.025em}
.ref-license-mini-shield{display:grid;place-items:center;width:42px;height:42px;border-radius:10px;background:#e9f8f5;color:#0e978b;font-weight:950}
.ref-license-details-list{margin:0}.ref-license-details-list>div{display:grid;grid-template-columns:205px minmax(0,1fr);gap:24px;padding:17px 0;border-bottom:1px solid #e8edec}.ref-license-details-list>div:last-child{border-bottom:0;padding-bottom:0}
.ref-license-details-list dt{color:#69747e;font-size:.88rem;font-weight:700}.ref-license-details-list dd{margin:0;color:#202b38;font-size:.92rem;font-weight:850;overflow-wrap:anywhere}.ref-license-not-published{color:#9b5b1b;font-weight:750}
.ref-license-nationwide-panel>p{color:#64717b;margin:18px 0 22px;line-height:1.7}
.ref-license-state-grid{display:grid;grid-template-columns:repeat(9,minmax(0,1fr));gap:8px}.ref-license-state-grid span{display:grid;place-items:center;min-height:35px;border:1px solid #d9e7e4;border-radius:7px;background:#f5fbfa;color:#23756e;font-size:.75rem;font-weight:900}
.ref-license-empty-state{padding:18px;border:1px dashed #cfdcda;border-radius:9px;background:#f8fbfa;color:#64717b;font-size:.9rem}
.ref-license-meaning-panel>h2{margin-bottom:22px}.ref-license-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px 26px}.ref-license-feature-grid>div{display:grid;grid-template-columns:34px minmax(0,1fr);gap:12px;align-items:start}.ref-license-feature-grid>div>span{display:grid;place-items:center;width:31px;height:31px;border-radius:50%;background:#e7f7f4;color:#0b9287;font-weight:950}.ref-license-feature-grid h3{margin:0 0 4px;color:#25313e;font-size:1rem}.ref-license-feature-grid p{margin:0;color:#68747e;font-size:.88rem;line-height:1.65}
.ref-license-contact-panel{padding:27px}.ref-license-contact-panel>p{margin:10px 0 20px;color:#66727d;font-size:.9rem;line-height:1.65}.ref-license-contact-item{display:grid;grid-template-columns:38px minmax(0,1fr);gap:11px;align-items:center;padding:13px 0;border-top:1px solid #e7eceb}.ref-license-contact-item>span{display:grid;place-items:center;width:35px;height:35px;border-radius:9px;background:#eaf8f6;color:#0b9388;font-weight:900}.ref-license-contact-item small{display:block;color:#7b858e;font-size:.72rem;font-weight:700}.ref-license-contact-item strong{display:block;color:#25313e;font-size:.88rem;overflow-wrap:anywhere}.ref-license-contact-static{cursor:default}.ref-license-quote-button{width:100%;margin-top:17px;border-radius:8px;background:#109b90;color:#fff;box-shadow:none}.ref-license-quote-button:hover{background:#0b887e;color:#fff}
.ref-license-regulator-card{padding:23px;border:1px solid #cfe4df;border-radius:12px;background:#edf9f6}.ref-license-regulator-icon{display:grid;place-items:center;width:34px;height:34px;margin-bottom:12px;border-radius:50%;background:#109b90;color:#fff;font-weight:950}.ref-license-regulator-card h3{margin:0 0 7px;color:#23514d;font-size:1rem}.ref-license-regulator-card p{margin:0;color:#51706c;font-size:.86rem;line-height:1.65}
.ref-license-disclosure{display:grid;grid-template-columns:44px minmax(0,1fr);gap:17px;margin-top:28px;padding:24px 27px;border:1px solid #ead8ab;border-radius:11px;background:#fffaf0}.ref-license-disclosure-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:#f4e2b7;color:#8b5a11;font-weight:950}.ref-license-disclosure h2{margin:0 0 6px;color:#493b23;font-size:1.15rem}.ref-license-disclosure p{margin:0;color:#746342;font-size:.88rem;line-height:1.7}
@media(max-width:1050px){.ref-license-layout{grid-template-columns:1fr}.ref-license-sidebar{position:static;grid-template-columns:1fr 1fr}.ref-license-state-grid{grid-template-columns:repeat(7,minmax(0,1fr))}}
@media(max-width:760px){.independent-retailer-notice-inner{width:min(calc(100% - 24px),1810px);min-height:auto;padding:8px 0;text-align:left}.ref-license-hero{padding:54px 0}.ref-license-main{padding:38px 0 65px}.ref-license-status-card{grid-template-columns:56px 1fr;padding:22px}.ref-license-shield{width:54px;height:54px}.ref-license-shield svg{width:34px}.ref-license-active{grid-column:1/-1;width:max-content}.ref-license-sidebar{grid-template-columns:1fr}.ref-license-company-panel,.ref-license-nationwide-panel,.ref-license-meaning-panel{padding:23px}.ref-license-details-list>div{grid-template-columns:1fr;gap:4px;padding:14px 0}.ref-license-state-grid{grid-template-columns:repeat(5,minmax(0,1fr))}.ref-license-feature-grid{grid-template-columns:1fr}.ref-license-disclosure{grid-template-columns:1fr}.ref-license-disclosure-icon{width:36px;height:36px}}
@media(max-width:430px){.ref-license-state-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}

/* v2.1 home form hardening + state-by-state licensing manager output */
body.qiip-site-active .hero-card{
  isolation:isolate;
}
body.qiip-site-active .hero-card form.mini-quote{
  display:grid!important;
  grid-template-columns:minmax(0,1fr)!important;
  gap:15px!important;
  width:100%!important;
  margin:0!important;
  padding:0!important;
  overflow:visible!important;
}
body.qiip-site-active .hero-card form.mini-quote .field{
  display:grid!important;
  grid-template-columns:minmax(0,1fr)!important;
  gap:7px!important;
  width:100%!important;
  min-width:0!important;
  margin:0!important;
  padding:0!important;
  float:none!important;
  position:relative!important;
  opacity:1!important;
  visibility:visible!important;
}
body.qiip-site-active .hero-card form.mini-quote .field>label{
  display:block!important;
  width:auto!important;
  margin:0!important;
  padding:0!important;
  color:#304555!important;
  font-size:.86rem!important;
  font-weight:800!important;
  line-height:1.4!important;
  opacity:1!important;
  visibility:visible!important;
}
body.qiip-site-active .hero-card form.mini-quote .field>input,
body.qiip-site-active .hero-card form.mini-quote .field>select{
  box-sizing:border-box!important;
  display:block!important;
  width:100%!important;
  min-width:0!important;
  max-width:none!important;
  height:52px!important;
  min-height:52px!important;
  margin:0!important;
  padding:0 14px!important;
  float:none!important;
  position:static!important;
  inset:auto!important;
  opacity:1!important;
  visibility:visible!important;
  overflow:hidden!important;
  clip:auto!important;
  clip-path:none!important;
  transform:none!important;
  border:1px solid #cdd9e0!important;
  border-radius:11px!important;
  background-color:#fff!important;
  color:#17212b!important;
  -webkit-text-fill-color:#17212b!important;
  box-shadow:none!important;
  font:inherit!important;
  font-size:16px!important;
  line-height:normal!important;
  text-align:left!important;
  text-indent:0!important;
  white-space:nowrap!important;
  pointer-events:auto!important;
  z-index:auto!important;
}
body.qiip-site-active .hero-card form.mini-quote .field>select{
  -webkit-appearance:menulist!important;
  -moz-appearance:auto!important;
  appearance:auto!important;
  cursor:pointer!important;
}
body.qiip-site-active .hero-card form.mini-quote .field>select option{
  display:block!important;
  color:#17212b!important;
  background:#fff!important;
  font:inherit!important;
}
body.qiip-site-active .hero-card form.mini-quote .field>input:focus,
body.qiip-site-active .hero-card form.mini-quote .field>select:focus{
  outline:0!important;
  border-color:var(--teal)!important;
  box-shadow:0 0 0 4px rgba(85,119,255,.14)!important;
}
body.qiip-site-active .hero-card form.mini-quote .form-row{
  display:grid!important;
  grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important;
  gap:14px!important;
  width:100%!important;
  min-width:0!important;
  margin:0!important;
}
body.qiip-site-active .hero-card form.mini-quote>button.btn{
  display:flex!important;
  width:100%!important;
  max-width:none!important;
  min-height:52px!important;
  margin:4px 0 0!important;
  padding:14px 22px!important;
  opacity:1!important;
  visibility:visible!important;
  pointer-events:auto!important;
}
body.qiip-site-active .hero-card form.mini-quote .form-note{
  display:block!important;
  width:100%!important;
  margin:0!important;
}

.ref-license-state-grid.ref-license-state-license-grid{
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
}
.ref-license-state-grid.ref-license-state-license-grid .ref-license-state-card{
  display:grid;
  gap:13px;
  min-width:0;
  padding:15px;
  border:1px solid #d9e7e4;
  border-radius:10px;
  background:#f8fcfb;
}
.ref-license-state-heading{display:grid;grid-template-columns:42px minmax(0,1fr);gap:11px;align-items:center}
.ref-license-state-heading .ref-license-state-code{
  display:grid;place-items:center;min-height:38px;border-radius:8px;background:#dff4f0;color:#147b72;font-size:.78rem;font-weight:950
}
.ref-license-state-heading strong{display:block;color:#23313c;font-size:.92rem;line-height:1.25}
.ref-license-state-heading small{display:block;margin-top:2px;color:#75818a;font-size:.7rem;font-weight:700;line-height:1.35}
.ref-license-state-number{padding-top:11px;border-top:1px solid #e1eae8;min-width:0}
.ref-license-state-number small{display:block;color:#77838c;font-size:.68rem;font-weight:750;text-transform:uppercase;letter-spacing:.06em}
.ref-license-state-number b{display:block;margin-top:3px;color:#1f3d3a;font-size:.82rem;overflow-wrap:anywhere}
.ref-license-state-number-empty b{color:#60706d;font-weight:750}
@media(max-width:760px){
  body.qiip-site-active .hero-card form.mini-quote .form-row{grid-template-columns:minmax(0,1fr)!important}
  .ref-license-state-grid.ref-license-state-license-grid{grid-template-columns:1fr}
}

/* Keep all plugin-managed form controls visible when the active theme applies broad resets. */
body.qiip-site-active .quote-body .field>input,
body.qiip-site-active .quote-body .field>select,
body.qiip-site-active .quote-body .field>textarea,
body.qiip-site-active .contact-form .field>input,
body.qiip-site-active .contact-form .field>select,
body.qiip-site-active .contact-form .field>textarea{
  box-sizing:border-box!important;
  display:block!important;
  width:100%!important;
  max-width:none!important;
  min-width:0!important;
  opacity:1!important;
  visibility:visible!important;
  position:static!important;
  clip:auto!important;
  clip-path:none!important;
  transform:none!important;
  pointer-events:auto!important;
  border:1px solid #cdd9e0!important;
  border-radius:11px!important;
  background:#fff!important;
  color:#17212b!important;
  -webkit-text-fill-color:#17212b!important;
}
body.qiip-site-active .quote-body .field>input,
body.qiip-site-active .quote-body .field>select,
body.qiip-site-active .contact-form .field>input,
body.qiip-site-active .contact-form .field>select{min-height:52px!important}
body.qiip-site-active .quote-body .field>select,
body.qiip-site-active .contact-form .field>select{
  -webkit-appearance:menulist!important;
  appearance:auto!important;
}

/* Trusted Providers — Home */
.qiip-trusted-providers{position:relative;padding:64px 0 66px;background:#fff;border-bottom:1px solid var(--line);overflow:hidden}
.qiip-trusted-providers::before{content:"";position:absolute;inset:auto -110px -180px auto;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(89,108,255,.11),rgba(89,108,255,0) 68%);pointer-events:none}
.qiip-trusted-providers-heading{max-width:720px;margin:0 auto 30px;text-align:center;position:relative;z-index:1}
.qiip-trusted-providers-heading .eyebrow{display:inline-flex;margin-bottom:10px}
.qiip-trusted-providers-heading h2{margin:0 0 10px;color:var(--navy);font-size:clamp(1.8rem,3vw,2.6rem);line-height:1.15}
.qiip-trusted-providers-heading p{max-width:650px;margin:0 auto;color:var(--muted);font-size:1rem;line-height:1.7}
.qiip-provider-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;position:relative;z-index:1}
.qiip-provider-card{min-height:94px;display:flex;align-items:center;justify-content:center;gap:10px;padding:18px 12px;border:1px solid #dfe7ec;border-radius:14px;background:#fff;box-shadow:0 10px 30px rgba(18,42,75,.07);color:#263645;text-align:center;transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.qiip-provider-card:hover{transform:translateY(-3px);border-color:rgba(37,164,151,.42);box-shadow:0 16px 34px rgba(18,42,75,.11)}
.qiip-provider-card strong{font-size:.96rem;line-height:1.2;letter-spacing:-.01em}
.qiip-provider-mark{flex:0 0 auto;width:34px;height:34px;display:grid;place-items:center;border-radius:10px;background:linear-gradient(135deg,#0f9f92,#586cff);color:#fff;font-size:.72rem;font-weight:900;box-shadow:0 7px 16px rgba(41,112,157,.2)}
.qiip-provider-disclaimer{max-width:880px;margin:22px auto 0;text-align:center;color:#7a8792;font-size:.72rem;line-height:1.55;position:relative;z-index:1}
@media(max-width:1050px){.qiip-provider-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:620px){.qiip-trusted-providers{padding:48px 0}.qiip-provider-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.qiip-provider-card{min-height:82px;padding:14px 9px;flex-direction:column}.qiip-provider-card strong{font-size:.86rem}.qiip-provider-mark{width:31px;height:31px}}