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4px);left:50%;overflow:hidden;transform:translate(-50%)translateY(-6px)}.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{opacity:1;visibility:visible;transform:translate(-50%)translateY(0)}.nav-dropdown-menu a{color:#ffffffbf;letter-spacing:.5px;transition:background var(--transition),color var(--transition);border-bottom:1px solid #ffffff0f;padding:11px 18px;font-size:.76rem;font-weight:600;display:block}.nav-dropdown-menu a:last-child{border-bottom:none}.nav-dropdown-menu a:hover{color:var(--steel-blue);background:#6192cd1f}.nav-ctas{flex-shrink:0;align-items:center;gap:7px;display:flex}.nav-ctas .btn{letter-spacing:.4px;padding:8px 15px;font-size:.68rem}.hamburger{cursor:pointer;background:0 0;border:none;outline:none;flex-direction:column;gap:5px;padding:6px;display:none}.hamburger span{background:var(--white);width:24px;height:2px;transition:all var(--transition);border-radius:2px;display:block}.hamburger.open span:first-child{transform:rotate(45deg)translate(5px,5px)}.hamburger.open span:nth-child(2){opacity:0}.hamburger.open span:nth-child(3){transform:rotate(-45deg)translate(5px,-5px)}.mobile-nav{background:var(--charcoal-dark);border-top:1px solid #ffffff14;padding:20px 24px;display:none}.mobile-nav.open{display:block}.mobile-nav a{letter-spacing:1px;text-transform:uppercase;color:#ffffffd1;border-bottom:1px solid #ffffff12;padding:13px 0;font-size:.88rem;font-weight:600;display:block}.mobile-nav-section{letter-spacing:2px;text-transform:uppercase;color:var(--steel-blue);margin-top:8px;padding:8px 0 4px;font-size:.62rem;font-weight:700}.mobile-nav-ctas{flex-direction:column;gap:10px;margin-top:20px;display:flex}.mobile-nav-ctas .btn{text-align:center;padding:13px 20px;font-size:.82rem;display:block}.page-hero{background-color:var(--charcoal);background-image:repeating-linear-gradient(-45deg,#0000,#0000 28px,#ffffff04 28px 56px),linear-gradient(155deg,#2e2e2e 0%,#1a1a1a 55%,#243040 100%);padding:96px 24px 108px;overflow:hidden}.page-hero:before{content:"";pointer-events:none;background:radial-gradient(circle,#6192cd17 0%,#0000 70%);border-radius:50%;width:600px;height:600px;position:absolute;top:-80px;right:-120px}.page-hero-inner{z-index:1;max-width:860px;margin:0 auto;position:relative}.page-hero-eyebrow{letter-spacing:4px;text-transform:uppercase;color:var(--steel-blue);margin-bottom:18px;font-size:.66rem;font-weight:700;display:block}.page-hero h1{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:2px;margin-bottom:26px;font-size:clamp(54px,9vw,100px);line-height:.95}.page-hero h1 span{color:var(--steel-blue)}.page-hero-sub{color:#ffffffbd;max-width:640px;margin-bottom:40px;font-size:clamp(.92rem,2vw,1.08rem);font-weight:400;line-height:1.78}.page-hero-ctas{flex-wrap:wrap;align-items:center;gap:14px;display:flex}.page-hero-ctas .btn{padding:15px 34px;font-size:.88rem}#hero{background-color:var(--charcoal);background-image:repeating-linear-gradient(-45deg,#0000,#0000 28px,#ffffff04 28px 56px),linear-gradient(155deg,#2e2e2e 0%,#1a1a1a 55%,#243040 100%);padding:100px 24px 110px;overflow:hidden}#hero:before{content:"";pointer-events:none;background:radial-gradient(circle,#6192cd17 0%,#0000 70%);border-radius:50%;width:680px;height:680px;position:absolute;top:-100px;right:-150px}.hero-inner{z-index:1;max-width:820px;margin:0 auto;position:relative}.hero-eyebrow{letter-spacing:4px;text-transform:uppercase;color:var(--steel-blue);margin-bottom:18px;font-size:.66rem;font-weight:700}#hero h1{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:2px;margin-bottom:26px;font-size:clamp(62px,10vw,112px);line-height:.93}#hero h1 span{color:var(--steel-blue)}.hero-sub{color:#ffffffbd;max-width:640px;margin-bottom:40px;font-size:clamp(.92rem,2vw,1.1rem);font-weight:400;line-height:1.78}.hero-ctas{flex-wrap:wrap;align-items:center;gap:14px;margin-bottom:24px;display:flex}.hero-ctas .btn{padding:15px 34px;font-size:.88rem}.hero-review-badge{border-radius:var(--radius-pill);cursor:pointer;transition:border-color var(--transition);background:#ffffff12;border:1px solid #ffffff26;align-items:center;gap:10px;margin-bottom:20px;padding:9px 20px;display:inline-flex}.hero-review-badge:hover{border-color:#ffffff4d}.hero-review-stars{color:gold;letter-spacing:1px;font-size:.9rem}.hero-review-text{color:#ffffffc7;letter-spacing:.5px;font-size:.74rem;font-weight:600}.hero-badge{letter-spacing:2.5px;text-transform:uppercase;color:#ffffff52;align-items:center;gap:12px;margin-top:44px;font-size:.68rem;font-weight:600;display:flex}.hero-badge:before{content:"";background:#fff3;width:28px;height:1px;display:block}#trust{background:var(--light-gray);border-top:1px solid var(--mid-gray);border-bottom:1px solid var(--mid-gray);padding:16px 24px}.trust-inner{flex-wrap:wrap;justify-content:center;align-items:center;gap:8px 6px;max-width:1100px;margin:0 auto;display:flex}.trust-item{letter-spacing:1.8px;text-transform:uppercase;color:var(--charcoal);white-space:nowrap;font-size:.68rem;font-weight:700}.trust-dot{background:var(--steel-blue);border-radius:50%;flex-shrink:0;width:4px;height:4px;display:inline-block}#carriers{background:var(--charcoal);background-image:linear-gradient(155deg,#2e2e2e 0%,#1e1e1e 100%);padding:80px 24px}#carriers .section-header h2{color:var(--white)}#carriers .section-header p{color:#fff9}.carrier-grid{flex-wrap:wrap;justify-content:center;gap:10px;max-width:900px;margin:0 auto;display:flex}.carrier-badge{color:#ffffffbf;white-space:nowrap;background:#ffffff0d;border:1px solid #ffffff1f;border-radius:6px;padding:9px 16px;font-size:.78rem;font-weight:600;transition:all .2s}.carrier-badge:hover{border-color:var(--steel-blue);color:var(--white);background:#6192cd14}#coverage{background:var(--white);padding:96px 24px}.coverage-grid{grid-template-columns:repeat(3,1fr);gap:22px;max-width:1060px;margin:0 auto;display:grid}.coverage-card{background:var(--white);border:1.5px solid var(--mid-gray);border-radius:var(--radius-card);transition:all var(--transition);padding:34px 28px}.coverage-card:hover{border-color:var(--steel-blue);box-shadow:var(--shadow-hover);transform:translateY(-6px)}.coverage-icon{width:50px;height:50px;color:var(--steel-blue);margin-bottom:18px}.coverage-card h3{font-family:var(--font-bebas),"Bebas Neue",cursive;letter-spacing:1px;color:var(--charcoal);margin-bottom:10px;font-size:1.38rem}.coverage-card p{color:var(--text-muted);font-size:.87rem;line-height:1.68}#independent{background:var(--off-white);padding:96px 24px}.compare-wrap{max-width:960px;margin:0 auto}.compare-table{border-collapse:collapse;width:100%;margin-bottom:40px}.compare-table th{font-family:var(--font-montserrat),"Montserrat",sans-serif;letter-spacing:1px;text-transform:uppercase;text-align:left;padding:16px 20px;font-size:.78rem;font-weight:700}.compare-table th.col-label{color:var(--text-muted);width:22%}.compare-table th.col-thompson{background:var(--steel-blue);color:var(--white);text-align:center;border-radius:8px 8px 0 0}.compare-table th.col-captive,.compare-table th.col-direct{color:var(--charcoal);text-align:center;background:#f0f0f0;border-radius:8px 8px 0 0}.compare-table td{border-bottom:1px solid var(--mid-gray);vertical-align:middle;padding:14px 20px;font-size:.88rem}.compare-table td.col-label{letter-spacing:.5px;color:var(--charcoal);font-size:.8rem;font-weight:700}.compare-table td.col-thompson{color:var(--charcoal);text-align:center;border-left:2px solid var(--steel-blue);border-right:2px solid var(--steel-blue);background:#6192cd12;font-weight:600}.compare-table td.col-captive,.compare-table td.col-direct{text-align:center;color:var(--text-muted)}.compare-table tr:last-child td.col-thompson{border-bottom:2px solid var(--steel-blue)}.compare-table tr:first-child th{border:none}.check-icon{color:var(--steel-blue);font-weight:800}.x-icon{color:#aaa}.compare-cta{text-align:center;margin-top:32px}#why{background:var(--charcoal);background-image:linear-gradient(155deg,#2e2e2e 0%,#1e1e1e 100%);padding:96px 24px}#why .section-header h2{color:var(--white)}.why-grid{grid-template-columns:repeat(3,1fr);gap:24px;max-width:1060px;margin:0 auto 56px;display:grid}.why-col{border-radius:var(--radius-card);transition:border-color var(--transition),background var(--transition);background:#ffffff06;border:1px solid #ffffff14;padding:34px 26px}.why-col:hover{border-color:var(--steel-blue);background:#6192cd0f}.why-num{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--steel-blue);opacity:.65;margin-bottom:12px;font-size:2.6rem;line-height:1}.why-col h3{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:.8px;margin-bottom:12px;font-size:1.42rem}.why-col p{color:#fff9;font-size:.87rem;line-height:1.72}.why-pullquote{text-align:center;border-top:1px solid #ffffff1a;max-width:680px;margin:0 auto;padding:44px 36px}.why-pullquote blockquote{color:#ffffffe0;margin-bottom:14px;font-family:Georgia,serif;font-size:clamp(1.15rem,2.5vw,1.6rem);font-style:italic;line-height:1.55}.why-pullquote cite{letter-spacing:2px;text-transform:uppercase;color:var(--steel-blue);font-size:.68rem;font-weight:700}#afl{background:var(--charcoal);text-align:center;background-image:linear-gradient(155deg,#2e2e2e 0%,#1a1a1a 100%);padding:96px 24px}.afl-inner{z-index:1;max-width:760px;margin:0 auto;position:relative}#afl h2{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:1px;margin-bottom:28px;font-size:clamp(38px,5vw,60px);line-height:1}#afl .afl-body{color:#ffffffbf;max-width:680px;margin-bottom:30px;margin-left:auto;margin-right:auto;font-size:1.02rem;line-height:1.82}.afl-quote{color:var(--steel-blue);margin-bottom:36px;font-family:Georgia,serif;font-size:1.18rem;font-style:italic}.afl-section{background:var(--charcoal);text-align:center;background-image:linear-gradient(155deg,#2e2e2e 0%,#1a1a1a 100%);padding:96px 24px}.afl-section .section-label{color:var(--steel-blue-light)}.afl-section h2{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:1px;margin-bottom:24px;font-size:clamp(38px,5vw,60px);line-height:1}.afl-section .afl-body{color:#ffffffbf;max-width:680px;margin:0 auto 30px;font-size:1.02rem;line-height:1.82}.afl-pullquote{color:var(--steel-blue);margin-bottom:36px;font-family:Georgia,serif;font-size:1.25rem;font-style:italic}#reviews{background:var(--white);padding:96px 24px}.reviews-rating-header{text-align:center;margin-bottom:32px}.reviews-aggregate{background:var(--off-white);border:1.5px solid var(--mid-gray);border-radius:var(--radius-pill);flex-wrap:wrap;justify-content:center;align-items:center;gap:12px;padding:12px 28px;display:inline-flex}.reviews-agg-stars{color:#f5a623;letter-spacing:2px;font-size:1.1rem}.reviews-agg-text{color:var(--charcoal);font-size:.88rem;font-weight:700}.reviews-agg-link{color:var(--steel-blue);font-size:.78rem;font-weight:600}.reviews-agg-link:hover{text-decoration:underline}.review-carousel{max-width:760px;margin:0 auto;position:relative}.review-carousel-track{border-radius:var(--radius-card);min-height:220px;position:relative;overflow:hidden}.review-slide{opacity:0;pointer-events:none;background:var(--white);border:1.5px solid var(--mid-gray);border-radius:var(--radius-card);width:100%;padding:36px 40px;transition:opacity .6s;position:absolute;top:0;left:0}.review-slide.active{opacity:1;pointer-events:auto;position:relative}.review-slide-stars{gap:4px;margin-bottom:16px;display:flex}.review-slide-star{color:var(--steel-blue);fill:var(--steel-blue);width:17px;height:17px}.review-slide-text{color:#3a3a3a;margin-bottom:22px;font-family:Georgia,serif;font-size:.9rem;font-style:italic;line-height:1.76}.review-slide-author{align-items:center;gap:12px;display:flex}.review-slide-avatar{background:var(--charcoal);width:40px;height:40px;color:var(--white);font-family:var(--font-bebas),"Bebas Neue",cursive;letter-spacing:1px;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:.9rem;display:flex}.review-slide-name{color:var(--charcoal);font-size:.82rem;font-weight:700}.review-slide-location{color:var(--text-muted);font-size:.73rem}.review-controls{justify-content:center;align-items:center;gap:14px;margin-top:24px;display:flex}.review-btn{border:1.5px solid var(--mid-gray);cursor:pointer;width:38px;height:38px;color:var(--charcoal);background:0 0;border-radius:50%;justify-content:center;align-items:center;transition:all .2s;display:flex}.review-btn:hover{border-color:var(--steel-blue);color:var(--steel-blue)}.review-dots{align-items:center;gap:7px;display:flex}.review-dot{background:var(--mid-gray);cursor:pointer;border:none;border-radius:50%;width:7px;height:7px;padding:0;transition:background .2s,transform .2s}.review-dot.active{background:var(--steel-blue);transform:scale(1.35)}#claims{padding:0}.claims-header{background:var(--charcoal);text-align:center;padding:72px 24px 52px}.claims-header h2{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:1px;margin-bottom:14px;font-size:clamp(38px,5vw,60px)}.claims-header p{color:#ffffffb8;max-width:580px;margin:0 auto;font-size:1rem}.claims-body{background:var(--white);padding:72px 24px}.claims-subhead{font-family:var(--font-bebas),"Bebas 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h2{color:var(--white)}#flood-zone .section-header p{color:#ffffffa6}.flood-cards{grid-template-columns:repeat(3,1fr);gap:20px;max-width:900px;margin:0 auto 40px;display:grid}.flood-card{border-radius:var(--radius-card);background:#ffffff0d;border:1px solid #ffffff1f;padding:26px 22px}.flood-card h4{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:.8px;margin-bottom:10px;font-size:1.15rem}.flood-card p{color:#ffffffa6;font-size:.84rem;line-height:1.65}.flood-iframe-wrap{background:var(--white);border-radius:var(--radius-card);max-width:960px;margin:0 auto;overflow:hidden}.flood-footer{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;max-width:960px;margin:24px auto 0;display:flex}.flood-footer p{color:#ffffffa6;font-size:.85rem}.flood-footer p a{color:var(--steel-blue)}#team{background:var(--light-gray);padding:96px 24px}.team-grid{grid-template-columns:repeat(4,1fr);gap:22px;max-width:1060px;margin:0 auto;display:grid}.team-card{background:var(--white);border:1.5px solid var(--mid-gray);border-radius:var(--radius-card);text-align:center;transition:all var(--transition);padding:32px 22px}.team-card:hover{border-color:var(--steel-blue);box-shadow:var(--shadow-hover);transform:translateY(-5px)}.team-avatar{background:var(--charcoal);width:78px;height:78px;color:var(--white);font-family:var(--font-bebas),"Bebas Neue",cursive;letter-spacing:1px;box-shadow:0 0 0 3px var(--light-gray),0 0 0 5px var(--steel-blue);border-radius:50%;justify-content:center;align-items:center;margin:0 auto 18px;font-size:1.45rem;display:flex}.team-card h3{font-family:var(--font-bebas),"Bebas Neue",cursive;letter-spacing:.8px;color:var(--charcoal);margin-bottom:5px;font-size:1.26rem}.team-title{letter-spacing:1.8px;text-transform:uppercase;color:var(--steel-blue);margin-bottom:12px;font-size:.68rem;font-weight:700;display:block}.team-bio{color:var(--text-muted);font-size:.82rem;line-height:1.65}#annie{background:var(--steel-blue);background-image:linear-gradient(135deg,var(--steel-blue) 0%,var(--steel-blue-dark) 100%);text-align:center;padding:96px 24px;overflow:hidden}#annie:before{content:"";pointer-events:none;background:radial-gradient(circle,#ffffff12 0%,#0000 70%);border-radius:50%;width:700px;height:700px;position:absolute;top:-100px;left:50%;transform:translate(-50%)}.annie-inner{z-index:1;max-width:700px;margin:0 auto;position:relative}.annie-badge{border-radius:var(--radius-pill);letter-spacing:2px;text-transform:uppercase;color:#ffffffe6;background:#ffffff1f;border:1px solid #ffffff38;align-items:center;gap:9px;margin-bottom:26px;padding:6px 18px;font-size:.68rem;font-weight:700;display:inline-flex}.annie-badge-dot{background:#7fff00;border-radius:50%;flex-shrink:0;width:7px;height:7px;animation:2s infinite dot-pulse;box-shadow:0 0 8px #7fff00}@keyframes dot-pulse{0%,to{opacity:1;box-shadow:0 0 8px #7fff00}50%{opacity:.6;box-shadow:0 0 16px #7fff00}}#annie h2{font-family:var(--font-bebas),"Bebas Neue",cursive;color:var(--white);letter-spacing:2px;margin-bottom:20px;font-size:clamp(44px,7vw,76px);line-height:1}#annie p{color:#ffffffd6;margin-bottom:38px;font-size:1rem;line-height:1.76}#annie .btn{background:var(--white);color:var(--steel-blue-dark);border-color:var(--white);padding:15px 36px;font-size:.88rem;font-weight:800}#annie .btn:hover{background:#ffffffeb;transform:translateY(-3px);box-shadow:0 8px 28px #0000002e}#client-portal{background:var(--charcoal);background-image:linear-gradient(155deg,#2e2e2e 0%,#1e1e1e 100%);padding:96px 24px}#client-portal .section-header h2{color:var(--white)}#client-portal 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