.utility-bar{background:var(--blue);color:var(--white);font-size:12px}
.utility-inner{display:flex;justify-content:space-between;align-items:center;padding:8px 0}
.utility-links{display:flex;gap:18px;text-transform:uppercase;letter-spacing:.4px;opacity:.92}
.utility-right{display:flex;align-items:center;gap:12px;font-size:13px}
.social-dot{text-decoration:none;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;background:rgba(255,255,255,.18);font-size:11px;font-weight:700}
.header-quote-btn{background:var(--red);color:var(--white);border:none;padding:12px 22px;font-weight:700;letter-spacing:.3px;cursor:default}
.quote-reviews-band{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:0 0 40px;padding:24px;background:var(--soft);border:1px solid var(--line)}
.quote-box input{display:block;width:100%;margin:8px 0;padding:10px;border:1px solid var(--line);font-size:13px}
.quote-box h3,.reviews-box h3{color:var(--navy);margin-bottom:6px}
.reviews-box .secondary.cta{background:var(--red);color:var(--white);border:none;padding:10px 20px;font-weight:700;cursor:default;margin-top:8px}
.cms-disclaimer{font-size:11px;color:var(--muted);max-width:640px;margin-top:10px}
footer{background:var(--navy);color:var(--white);padding:36px 0 0;font-size:12px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.15)}
.footer-col h4{color:var(--white);font-size:13px;letter-spacing:.4px;margin-bottom:10px}
.footer-col p{line-height:1.7;opacity:.9}
.footer-social{padding:16px 0;display:flex;gap:10px}
.footer-service-line{padding:0 0 16px;opacity:.85;font-size:11px;max-width:900px}
.footer-copy{padding:14px 0;border-top:1px solid rgba(255,255,255,.15);opacity:.8;font-size:11px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
@media(max-width:900px){.utility-inner{flex-direction:column;gap:6px;align-items:flex-start}.utility-links{flex-wrap:wrap;gap:10px}.quote-reviews-band{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr}}

.live-hero{position:relative;background-size:cover;background-position:center 20%;min-height:560px;display:flex;align-items:center;width:100vw;margin-left:calc(50% - 50vw);padding:0}
.hero-overlay{background:linear-gradient(90deg,rgba(255,255,255,.55) 0%,rgba(255,255,255,.35) 45%,rgba(255,255,255,0) 70%);width:100%;padding:70px 0;display:flex;justify-content:center}
.hero-overlay .hero-copy{max-width:540px;color:var(--navy);padding:0 32px;margin-right:auto}
.hero-overlay .hero-inner{width:min(1160px,calc(100% - 64px));margin:auto}
.hero-overlay .eyebrow{color:var(--muted)}
.hero-overlay h1{color:var(--blue)}
.hero-overlay .lead{color:var(--navy)}
.hero-overlay .cta-note{color:var(--navy);opacity:.8}
.hero-ctas{display:flex;gap:14px;margin:22px 0 10px;flex-wrap:wrap}
.secondary.cta{background:var(--blue);border:0;color:var(--white);border-radius:2px;padding:13px 25px;font-size:14px;font-weight:600;min-height:48px;display:inline-flex;align-items:center;text-decoration:none}
.secondary.cta:hover{background:var(--navy)}
.quote-band{position:relative;background:var(--white);padding:56px 0;overflow:hidden}
.quote-band::before{content:"";position:absolute;right:-120px;top:-60px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--blue) 6%,var(--white)) 0%,transparent 70%)}
.quote-layout{display:grid;grid-template-columns:1fr 1.4fr;gap:60px;align-items:start;position:relative}
.quote-box{background:var(--soft);border-top:4px solid var(--action);padding:28px}
.quote-box h3{margin:0 0 16px;font-size:22px}
.quote-box input,.quote-box select{display:block;width:100%;margin:0 0 12px;padding:11px;border:1px solid var(--line);font-size:13px;background:var(--white);font-family:inherit}
.quote-box .fine{margin-top:12px;font-size:11px}
.service-icons{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding-top:14px}
.service-icon{display:flex;flex-direction:column;align-items:center;text-align:center;text-decoration:none;color:inherit;gap:14px}
.icon-circle{width:88px;height:88px;border-radius:50%;background:var(--blue);color:var(--white);display:flex;align-items:center;justify-content:center}
.icon-circle svg{width:38px;height:38px}
.icon-label{color:var(--action);font-weight:700;font-size:14px}
.service-icon:hover .icon-circle{background:var(--navy)}
.carrier-band{background:var(--soft);border-block:1px solid var(--line);padding:34px 0}
.carrier-label{text-align:center;font-size:11px;font-weight:700;letter-spacing:1.3px;color:var(--blue);margin:0 0 22px}
.carrier-logos{display:flex;justify-content:center;align-items:center;gap:44px;flex-wrap:wrap}
.carrier-logos img{height:34px;width:auto;max-width:140px;object-fit:contain;filter:grayscale(1) opacity(.75)}
@media(max-width:900px){.quote-layout{grid-template-columns:1fr}.service-icons{grid-template-columns:1fr}.live-hero{min-height:480px;background-position:center 12%}.hero-overlay{background:linear-gradient(180deg,rgba(255,255,255,.92) 0%,rgba(255,255,255,.86) 70%,rgba(255,255,255,.55) 100%);padding:40px 0}}