:root{
  --navy:#0B1E33;
  --navy-deep:#061322;
  --navy-soft:#14304E;
  --red:#E11D2E;
  --red-bright:#FF2A3C;
  --amber:#F59E0B;
  --ice:#E8F1F8;
  --off:#F7F9FB;
  --line:rgba(255,255,255,.08);
  --line-dark:rgba(11,30,51,.08);
  --text:#0B1E33;
  --muted:#556476;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Manrope',-apple-system,sans-serif;
  color:var(--text);
  background:#fff;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
.display{font-family:'Archivo Black',sans-serif;letter-spacing:-.01em;line-height:1;text-transform:uppercase}
.container{max-width:1240px;margin:0 auto;padding:0 24px}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit;cursor:pointer;border:0;background:none}

/* ============ SKIP LINK (a11y/SEO) ============ */
.skip-link{position:absolute;top:-40px;left:0;background:var(--red);color:#fff;padding:10px 18px;text-decoration:none;font-weight:700;z-index:1000;transition:top .2s}
.skip-link:focus{top:0}

/* ============ TOP UTILITY BAR ============ */
.util-bar{background:var(--navy-deep);color:#9FB2C7;font-size:13px;padding:8px 0;border-bottom:1px solid var(--line)}
.util-bar .container{display:flex;justify-content:space-between;align-items:center;gap:24px}
.util-bar .badges{display:flex;gap:18px;flex-wrap:wrap}
.util-bar .badges span{display:inline-flex;align-items:center;gap:6px}
.util-bar .badges svg{width:14px;height:14px;color:var(--amber)}
.util-bar .live{display:inline-flex;align-items:center;gap:8px;color:#fff}
.live-dot{width:8px;height:8px;border-radius:50%;background:#22c55e;box-shadow:0 0 0 0 rgba(34,197,94,.7);animation:pulseDot 2s infinite}
@keyframes pulseDot{
  0%{box-shadow:0 0 0 0 rgba(34,197,94,.6)}
  70%{box-shadow:0 0 0 10px rgba(34,197,94,0)}
  100%{box-shadow:0 0 0 0 rgba(34,197,94,0)}
}

/* ============ NAV ============ */
.nav{position:sticky;top:0;z-index:50;background:rgba(11,30,51,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav .container{display:flex;align-items:center;justify-content:space-between;padding-top:16px;padding-bottom:16px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Archivo Black',sans-serif;font-size:22px;letter-spacing:.02em}
.logo-mark{width:38px;height:38px;border-radius:8px;background:linear-gradient(135deg,var(--red) 0%,#B8121F 100%);display:grid;place-items:center;color:#fff;box-shadow:0 6px 20px rgba(225,29,46,.4);font-size:15px}
.nav ul{list-style:none;display:flex;gap:32px}
.nav ul a{color:#C6D2E0;font-weight:500;font-size:15px;transition:color .2s}
.nav ul a:hover{color:#fff}
.nav-cta{display:inline-flex;align-items:center;gap:10px;background:var(--red);color:#fff;padding:12px 20px;border-radius:8px;font-weight:700;font-size:15px;transition:transform .15s,background .2s;box-shadow:0 4px 14px rgba(225,29,46,.35)}
.nav-cta:hover{background:var(--red-bright);transform:translateY(-1px)}
.nav-cta svg{width:18px;height:18px}
.hamburger{display:none;color:#fff}

/* ============ BREADCRUMBS ============ */
.breadcrumbs{background:var(--navy-deep);color:#9FB2C7;padding:14px 0;font-size:13px;border-bottom:1px solid var(--line)}
.breadcrumbs ol{list-style:none;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.breadcrumbs a{color:#9FB2C7;transition:color .2s}
.breadcrumbs a:hover{color:#fff}
.breadcrumbs .sep{color:#3A4C62}
.breadcrumbs [aria-current]{color:#fff;font-weight:600}

/* ============ HERO ============ */
.hero{position:relative;color:#fff;padding:100px 0 120px;overflow:hidden;background:linear-gradient(180deg,rgba(6,19,34,.55) 0%,rgba(6,19,34,.85) 100%),url('https://images.unsplash.com/photo-1558618666-fcd25c85cd64?auto=format&fit=crop&w=1920&q=80') center/cover}
.hero.state-hero{padding:80px 0 100px;background:linear-gradient(180deg,rgba(6,19,34,.65) 0%,rgba(6,19,34,.9) 100%),url('https://images.unsplash.com/photo-1558618666-fcd25c85cd64?auto=format&fit=crop&w=1920&q=80') center/cover}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 70% 40%,rgba(225,29,46,.25) 0%,transparent 50%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}
.emergency-tag{display:inline-flex;align-items:center;gap:10px;background:rgba(225,29,46,.15);border:1px solid rgba(225,29,46,.4);color:#FFB3BA;padding:8px 16px;border-radius:100px;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:28px}
.emergency-tag .dot{width:8px;height:8px;border-radius:50%;background:#FF2A3C;animation:pulseDot 1.5s infinite;box-shadow:0 0 0 0 rgba(255,42,60,.7)}
.hero h1{font-size:clamp(38px,5vw,68px);margin-bottom:20px}
.hero h1 .accent{color:var(--red-bright);display:inline-block}
.hero .lede{font-size:19px;color:#C6D2E0;max-width:560px;margin-bottom:36px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:40px}
.btn{display:inline-flex;align-items:center;gap:10px;padding:18px 28px;border-radius:10px;font-weight:700;font-size:16px;transition:transform .15s,box-shadow .2s,background .2s}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 8px 24px rgba(225,29,46,.45);animation:pulseBtn 2.5s infinite}
@keyframes pulseBtn{
  0%,100%{box-shadow:0 8px 24px rgba(225,29,46,.45)}
  50%{box-shadow:0 8px 32px rgba(225,29,46,.7),0 0 0 6px rgba(225,29,46,.15)}
}
.btn-primary:hover{background:var(--red-bright);transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.2);backdrop-filter:blur(6px)}
.btn-ghost:hover{background:rgba(255,255,255,.16)}
.btn svg{width:20px;height:20px}

.trust-row{display:flex;gap:28px;flex-wrap:wrap}
.trust-row .t-item{display:flex;align-items:center;gap:10px;font-size:14px;color:#C6D2E0}
.trust-row .t-item svg{width:20px;height:20px;color:#22c55e;flex-shrink:0}

/* Hero side card */
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);backdrop-filter:blur(12px);border-radius:16px;padding:32px;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.hero-card h3{font-size:22px;margin-bottom:6px}
.hero-card p{color:#9FB2C7;font-size:14px;margin-bottom:24px}
.form-row{margin-bottom:14px}
.form-row label{display:block;font-size:12px;font-weight:600;color:#C6D2E0;margin-bottom:6px;text-transform:uppercase;letter-spacing:.06em}
.form-row input,.form-row select{width:100%;padding:14px 16px;border-radius:8px;background:rgba(0,0,0,.25);border:1px solid rgba(255,255,255,.15);color:#fff;font-size:15px;font-family:inherit;outline:none;transition:border-color .2s}
.form-row input::placeholder{color:#6B7C91}
.form-row input:focus,.form-row select:focus{border-color:var(--red-bright)}
.form-submit{width:100%;margin-top:8px;background:var(--red);color:#fff;padding:16px;border-radius:8px;font-weight:700;font-size:15px;transition:background .2s}
.form-submit:hover{background:var(--red-bright)}
.form-note{font-size:12px;color:#6B7C91;margin-top:12px;text-align:center}

/* ============ URGENCY STRIP ============ */
.urgency{background:linear-gradient(90deg,var(--red) 0%,#B8121F 100%);color:#fff;padding:18px 0;position:relative;overflow:hidden}
.urgency::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(45deg,transparent,transparent 20px,rgba(255,255,255,.04) 20px,rgba(255,255,255,.04) 40px)}
.urgency .container{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;position:relative}
.urgency svg{width:22px;height:22px;flex-shrink:0}
.urgency strong{font-weight:800;letter-spacing:.02em}
.urgency a{text-decoration:underline;font-weight:700}

/* ============ SECTION BASE ============ */
section.pad{padding:96px 0}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.section-head{max-width:720px;margin-bottom:56px}
.section-head h2{font-size:clamp(32px,4vw,52px);margin-bottom:16px}
.section-head p{font-size:18px;color:var(--muted)}
.section-head.center{margin:0 auto 56px;text-align:center}

/* ============ STATE STATS BAR ============ */
.state-stats{background:var(--navy);color:#fff;padding:48px 0;border-bottom:1px solid var(--line)}
.state-stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:40px}
.state-stats .num{font-family:'Archivo Black',sans-serif;font-size:44px;line-height:1;color:var(--red-bright);margin-bottom:6px}
.state-stats .num sup{font-size:22px;vertical-align:super;margin-left:2px}
.state-stats .lbl{font-size:14px;color:#9FB2C7;line-height:1.4}

/* ============ RISK / CLIMATE SECTION ============ */
.risk-section{background:#fff}
.risk-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.risk-content h2{margin-bottom:24px}
.risk-content p{font-size:17px;color:var(--muted);margin-bottom:18px;line-height:1.75}
.risk-cards{display:flex;flex-direction:column;gap:16px}
.risk-card{background:var(--off);border-left:4px solid var(--red);padding:24px 28px;border-radius:0 10px 10px 0}
.risk-card h4{font-size:17px;margin-bottom:6px;color:var(--navy)}
.risk-card p{color:var(--muted);font-size:15px}

/* ============ SERVICES ============ */
.services{background:var(--off)}
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.service{background:#fff;border-radius:14px;padding:32px;border:1px solid var(--line-dark);transition:transform .25s,box-shadow .25s,border-color .25s;position:relative;overflow:hidden}
.service::after{content:"";position:absolute;top:0;left:0;height:3px;width:0;background:var(--red);transition:width .3s}
.service:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(11,30,51,.08);border-color:transparent}
.service:hover::after{width:100%}
.s-icon{width:56px;height:56px;border-radius:12px;background:linear-gradient(135deg,var(--ice) 0%,#D5E4F0 100%);display:grid;place-items:center;margin-bottom:20px;color:var(--navy)}
.s-icon.red{background:linear-gradient(135deg,#FEE7E9 0%,#FCC5CB 100%);color:var(--red)}
.s-icon svg{width:28px;height:28px}
.service h3{font-size:20px;margin-bottom:10px}
.service p{color:var(--muted);font-size:15px;margin-bottom:16px}
.service .link{font-weight:700;font-size:14px;color:var(--navy);display:inline-flex;align-items:center;gap:6px;transition:gap .2s,color .2s}
.service:hover .link{gap:10px;color:var(--red)}

/* ============ CITIES GRID ============ */
.cities{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.cities::before{content:"";position:absolute;top:-200px;right:-200px;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(225,29,46,.15) 0%,transparent 70%)}
.cities .container{position:relative}
.cities .eyebrow{color:var(--red-bright)}
.cities h2{color:#fff}
.cities .section-head p{color:#9FB2C7}
.cities-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.city-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:10px;padding:20px 22px;transition:all .2s;cursor:pointer}
.city-card:hover{background:var(--red);border-color:var(--red);transform:translateY(-2px)}
.city-card h4{font-size:16px;margin-bottom:4px;color:#fff}
.city-card p{font-size:13px;color:#9FB2C7}
.city-card:hover p{color:rgba(255,255,255,.85)}

/* ============ INSURANCE / LEGAL ============ */
.insurance{background:#fff}
.insurance-box{background:var(--off);border-radius:16px;padding:48px;display:grid;grid-template-columns:200px 1fr;gap:40px;align-items:start}
.insurance-icon{width:100px;height:100px;border-radius:16px;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);color:#fff;display:grid;place-items:center}
.insurance-icon svg{width:48px;height:48px}
.insurance-content h3{font-size:24px;margin-bottom:14px}
.insurance-content p{font-size:16px;color:var(--muted);margin-bottom:14px;line-height:1.7}

/* ============ REVIEWS ============ */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{background:#fff;border:1px solid var(--line-dark);border-radius:14px;padding:32px;transition:transform .2s,box-shadow .2s}
.review:hover{transform:translateY(-3px);box-shadow:0 12px 32px rgba(11,30,51,.08)}
.stars{color:var(--amber);font-size:18px;letter-spacing:2px;margin-bottom:16px}
.review p{font-size:16px;color:var(--text);margin-bottom:24px;line-height:1.6}
.reviewer{display:flex;align-items:center;gap:12px}
.avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);color:#fff;display:grid;place-items:center;font-weight:700;font-size:16px}
.reviewer .name{font-weight:700;font-size:15px}
.reviewer .loc{font-size:13px;color:var(--muted)}

/* ============ FAQ ============ */
.faq{background:var(--off)}
.faq-list{max-width:820px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--line-dark);border-radius:12px;margin-bottom:12px;overflow:hidden;transition:border-color .2s}
.faq-item[open]{border-color:var(--red)}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 28px;display:flex;justify-content:space-between;align-items:center;gap:20px;font-weight:700;font-size:17px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item .plus{width:32px;height:32px;flex-shrink:0;display:grid;place-items:center;border-radius:50%;background:var(--ice);color:var(--navy);font-size:20px;font-weight:700;transition:transform .25s,background .2s,color .2s}
.faq-item[open] .plus{transform:rotate(45deg);background:var(--red);color:#fff}
.faq-item .answer{padding:0 28px 24px;color:var(--muted);font-size:16px;line-height:1.7}

/* ============ NEARBY STATES ============ */
.nearby{background:#fff;padding:64px 0;border-top:1px solid var(--line-dark)}
.nearby h3{font-size:20px;margin-bottom:20px;color:var(--navy)}
.nearby-grid{display:flex;gap:12px;flex-wrap:wrap}
.nearby-chip{padding:12px 20px;background:var(--off);border:1px solid var(--line-dark);border-radius:100px;color:var(--navy);font-size:14px;font-weight:600;transition:all .2s}
.nearby-chip:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateY(-2px)}

/* ============ BIG CTA ============ */
.big-cta{background:linear-gradient(135deg,rgba(11,30,51,.92) 0%,rgba(225,29,46,.75) 100%),url('https://images.unsplash.com/photo-1504307651254-35680f356dfd?auto=format&fit=crop&w=1920&q=80') center/cover;color:#fff;padding:96px 0;text-align:center}
.big-cta h2{font-size:clamp(36px,4.5vw,60px);margin-bottom:16px}
.big-cta p{font-size:20px;color:#E8F1F8;margin-bottom:36px;max-width:560px;margin-left:auto;margin-right:auto}
.big-cta .hero-ctas{justify-content:center}

/* ============ FOOTER ============ */
footer{background:var(--navy-deep);color:#9FB2C7;padding:72px 0 24px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.foot-grid h5{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:18px;font-weight:800}
.foot-grid ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.foot-grid a{color:#9FB2C7;font-size:14px;transition:color .2s}
.foot-grid a:hover{color:#fff}
.foot-brand p{font-size:14px;margin-top:14px;margin-bottom:20px;max-width:320px}
.foot-phone{display:inline-flex;align-items:center;gap:10px;color:#fff;font-family:'Archivo Black',sans-serif;font-size:22px}
.foot-phone svg{width:22px;height:22px;color:var(--red-bright)}
.foot-bottom{padding-top:24px;border-top:1px solid rgba(255,255,255,.06);display:flex;justify-content:space-between;align-items:center;font-size:13px;flex-wrap:wrap;gap:16px}
.foot-bottom .legal{display:flex;gap:20px}

/* ============ STICKY MOBILE CALL ============ */
.sticky-call{display:none;position:fixed;bottom:16px;left:16px;right:16px;z-index:60;background:var(--red);color:#fff;padding:16px;border-radius:12px;text-align:center;font-weight:800;font-size:16px;box-shadow:0 10px 30px rgba(225,29,46,.5);align-items:center;justify-content:center;gap:10px}
.sticky-call svg{width:20px;height:20px}

/* ============ RESPONSIVE ============ */
@media (max-width:960px){
  .nav ul{display:none}
  .hamburger{display:block}
  .hero{padding:60px 0 80px}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .services-grid{grid-template-columns:1fr 1fr}
  .state-stats-grid{grid-template-columns:1fr 1fr;gap:24px}
  .risk-grid{grid-template-columns:1fr;gap:40px}
  .cities-grid{grid-template-columns:1fr 1fr}
  .insurance-box{grid-template-columns:1fr;padding:32px;gap:24px}
  .insurance-icon{width:80px;height:80px}
  .reviews-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  section.pad{padding:64px 0}
  .util-bar{display:none}
  .sticky-call{display:flex}
  body{padding-bottom:80px}
}
@media (max-width:560px){
  .services-grid{grid-template-columns:1fr}
  .cities-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .foot-bottom{flex-direction:column;text-align:center}
}