:root{--navy:#0b2545;--navy2:#13315c;--red:#d62839;--red2:#b71c2c;--amber:#f4a259;--ink:#1b2430;--mut:#5b6573;--bg:#f6f7f9;--line:#e3e6eb;--ok:#1b7f4b}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;padding-bottom:72px}
a{color:#0a58ca}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 18px}.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.disc{background:var(--navy);color:#dfe7f3;font-size:13px;text-align:center;padding:6px 12px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;gap:10px;min-height:60px}.brand{display:flex;align-items:center;gap:9px;font-weight:800;color:var(--navy);text-decoration:none;font-size:18px;margin-right:auto}
.logo{display:inline-grid;place-items:center;background:var(--red);color:#fff;border-radius:8px;font-size:12px;font-weight:900;letter-spacing:.5px;width:40px;height:30px}
.svcnav{display:flex;gap:6px;overflow-x:auto;padding-bottom:10px;scrollbar-width:none}.svcnav::-webkit-scrollbar{display:none}
.svcnav a{white-space:nowrap;font-size:14px;color:var(--navy2);text-decoration:none;border:1px solid var(--line);border-radius:999px;padding:4px 12px;background:var(--bg)}.svcnav a:hover{border-color:var(--navy2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;background:var(--red);color:#fff;border:0;border-radius:10px;padding:12px 18px;font-weight:800;text-decoration:none;font-size:16px;cursor:pointer}
.btn:hover{background:var(--red2)}.btn.sm{padding:8px 14px;font-size:14px}.btn.big{width:100%;padding:15px;font-size:18px}.btn.ghost{background:#fff;color:var(--red);border:2px solid var(--red)}
.btn.call{background:var(--ok)}.btn.call:hover{background:#156a3e}[hidden]{display:none!important}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;padding:28px 0 36px}
.hgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:start}
.hero h1{font-size:clamp(28px,4.2vw,44px);line-height:1.15;margin:.2em 0 .4em}.lede{font-size:18px;color:#e6edf7}
.kicker{color:var(--amber);font-weight:700;margin:0;font-size:14px;letter-spacing:.3px}.crumb{font-size:13px;margin:0 0 6px;color:#b8c6da}.crumb a{color:#dfe7f3}
.ticks{list-style:none;padding:0;margin:14px 0}.ticks li{padding-left:26px;position:relative;margin:4px 0}.ticks li:before{content:"✓";position:absolute;left:0;color:var(--amber);font-weight:900}
.note{background:rgba(255,255,255,.1);border-left:4px solid var(--amber);padding:10px 14px;border-radius:6px;font-size:15px}
form.lead{background:#fff;color:var(--ink);border-radius:16px;padding:20px;box-shadow:0 12px 40px rgba(0,0,0,.25);display:grid;gap:10px}
form.lead h2{margin:0;font-size:22px;color:var(--navy)}.fsub{margin:-6px 0 2px;color:var(--mut);font-size:14px}
form.lead label{display:grid;gap:4px;font-weight:600;font-size:14px}
input,select,textarea{font:inherit;font-size:16px;padding:11px 12px;border:1.5px solid #c9d0da;border-radius:9px;width:100%;background:#fff;color:var(--ink)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.opt{color:var(--mut);font-weight:400}
.consent{display:flex!important;grid-template-columns:none;gap:8px!important;align-items:flex-start;font-weight:400!important;font-size:12.5px!important;line-height:1.45;color:#3c4654}
.consent input{width:20px;height:20px;margin-top:2px;flex:0 0 auto}.hp{position:absolute;left:-5000px;height:0;overflow:hidden}
.fine{font-size:12px;color:var(--mut);margin:0;text-align:center}
.content{padding:28px 18px 10px}.content h2{color:var(--navy);font-size:24px;margin:0 0 10px}
.card{border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:0 0 20px;background:#fff}
.card.now{border-left:6px solid var(--navy2)}.card.now ol li{margin:7px 0}.card.warn{background:#fff6ec;border-color:#f6d3ad;border-left:6px solid var(--amber)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:20px}.two .card{margin:0 0 20px}
.boros{margin:10px 0 20px}.jump{font-size:14px;color:var(--mut)}
.boro{border-top:1px solid var(--line);padding:14px 0}.boro h3{margin:0 0 4px;font-size:19px;color:var(--navy2)}.boro p{margin:0 0 4px}.mini{font-size:14px;font-weight:700;color:var(--red);text-decoration:none}
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:0 0 10px;background:var(--bg)}.faq summary{font-weight:700;cursor:pointer}.faq details p{margin:8px 0 0}
.faq{margin:0 0 20px}.how ol li{margin:6px 0}.small{font-size:13.5px;color:var(--mut)}
.srcs ul{padding-left:18px;font-size:14px}.srcs{margin:0 0 20px}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{border:1px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none;color:var(--navy);background:var(--bg);font-weight:600;font-size:14px}
.sgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:0 0 26px}
.scard{display:grid;gap:4px;border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;color:var(--ink);background:#fff;transition:.15s}
.scard:hover{border-color:var(--red);box-shadow:0 6px 20px rgba(11,37,69,.1)}.scard .ic{font-size:28px}.scard strong{color:var(--navy);font-size:17px}.scard span:last-child{font-size:14px;color:var(--mut)}
.bl{padding-left:18px}.bl li{margin:6px 0}
.prose{max-width:780px}.prose h1{color:var(--navy);font-size:32px}.prose h2{font-size:21px;margin-top:22px}
.foot{background:var(--navy);color:#cdd8e8;margin-top:30px;padding:30px 0;font-size:14px}.foot a{color:#fff}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:5px 0}.fh{color:#fff;font-weight:800;margin:0 0 8px}.brand.f{color:#fff;margin:0 0 10px}.foot .small{color:#a9b8cc}
.mbar{display:none}#help{scroll-margin-top:120px}
@media (max-width:860px){.hgrid,.two,.fgrid{grid-template-columns:1fr}.sgrid{grid-template-columns:1fr 1fr}.hero{padding:20px 0 26px}.lede{font-size:16.5px}
.mbar{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);z-index:6;box-shadow:0 -4px 16px rgba(0,0,0,.08)}.mbar .btn{flex:1;padding:13px 10px}
.top .btn{display:none}.card{padding:16px}.hero .ticks{display:none}}
@media (max-width:420px){.sgrid{grid-template-columns:1fr}.row2{grid-template-columns:1fr 1fr}.brand{font-size:16px}}
.admin{padding:20px 0}.lc{border:1px solid var(--line);border-radius:12px;padding:12px 14px;margin:10px 0}.lc.t{background:#fffbe6}.lh{margin-bottom:6px}
.tag{display:inline-block;background:var(--navy);color:#fff;font-size:12px;border-radius:6px;padding:2px 8px;font-weight:700}.tag.test{background:#c58b00}
.lc button{font:inherit;font-size:13px;padding:5px 10px;border-radius:7px;border:1px solid #c9d0da;background:#fff;cursor:pointer}

/* car-accident yes/no questions */
.yngrid{display:grid;gap:8px}
.yn{border:1.5px solid #c9d0da;border-radius:9px;padding:8px 12px 10px;margin:0;display:flex;flex-wrap:wrap;align-items:center;gap:6px 18px}
.yn legend{font-weight:600;font-size:14px;padding:0 4px}
.lead .yn label{display:flex;align-items:center;gap:8px;font-weight:500;font-size:15px;min-height:32px;cursor:pointer}
.yn input{width:20px;height:20px;margin:0;padding:0;flex:0 0 auto}