*,::after,::before{box-sizing:border-box;margin:0;padding:0}:root{--orange:#FF5829;--orange-hover:#e04a1f;--dark:#1a1a1a;--darker:#111111;--white:#ffffff;--light:#f7f7f7;--gray:#666666;--text:#333333;--border:#e0e0e0;--shadow:0 2px 20px rgba(0,0,0,0.08);--shadow-lg:0 8px 40px rgba(0,0,0,0.12);--radius:8px;--transition:0.3s ease;--font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--max-width:1200px}html{scroll-behavior:smooth;scroll-padding-top:80px}body{font-family:var(--font);color:var(--text);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{text-decoration:none;color:inherit}ul{list-style:none}.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}.skip-link{position:absolute;top:-100%;left:16px;background:var(--orange);color:var(--white);padding:12px 24px;border-radius:var(--radius);font-weight:600;z-index:200;transition:top .2s ease}.skip-link:focus{top:16px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.top-bar{background:var(--dark);color:var(--white);font-size:.85rem;padding:8px 0;text-align:center}.top-bar a{color:var(--orange);transition:color var(--transition)}.top-bar a:hover{color:var(--white)}.top-bar-inner{display:flex;justify-content:center;align-items:center;gap:24px;flex-wrap:wrap}.top-bar-item{display:flex;align-items:center;gap:6px}.header{background:var(--white);position:sticky;top:0;z-index:100;box-shadow:0 1px 10px rgba(0,0,0,.06)}.header-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:var(--max-width);margin:0 auto}.logo{display:flex;align-items:center;gap:16px;font-size:1.3rem;font-weight:700;color:var(--dark)}.logo-icon{width:36px;height:36px;display:flex;align-items:center;justify-content:center}.logo-icon img{width:100%;height:100%}.footer-brand .logo-icon img{filter:brightness(0) 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12px);left:50%;transform:translateX(-50%);background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow-lg);border:1px solid var(--border);min-width:200px;padding:8px 0;z-index:100}.nav-dropdown.open .nav-dropdown-menu{display:block}.nav-dropdown-menu a{display:block;padding:10px 20px;font-size:.9rem;font-weight:500;color:var(--gray);transition:background var(--transition),color var(--transition)}.nav-dropdown-menu a.active,.nav-dropdown-menu a:hover{background:var(--light);color:var(--orange)}.nav-dropdown-menu a.active::after{display:none}.nav-cta{background:var(--orange);color:var(--white)!important;padding:10px 24px;border-radius:var(--radius);font-weight:600;transition:background var(--transition),transform var(--transition)}.nav-cta:hover{background:var(--orange-hover);transform:translateY(-1px)}.nav-cta::after{display:none!important}.nav-toggle{display:none;background:0 0;border:none;cursor:pointer;padding:8px}.nav-toggle 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var(--orange)}.btn-white-outline:hover{background:var(--orange);color:var(--white)}.hero{background:linear-gradient(rgba(26,26,26,.75),rgba(26,26,26,.8)),url('../img/hero.webp') center/cover no-repeat;color:var(--white);padding:80px 0;position:relative;overflow:hidden}.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,88,41,.15);color:var(--orange);padding:8px 16px;border-radius:50px;font-size:.85rem;font-weight:600;margin-bottom:20px;border:1px solid rgba(255,88,41,.3)}.hero h1{font-size:3rem;font-weight:800;line-height:1.15;margin-bottom:16px}.hero h1 span{color:var(--orange)}.hero-subtitle{font-size:1.15rem;color:#b0b0b0;margin-bottom:12px;line-height:1.5}.hero-free-lock{display:inline-flex;align-items:center;gap:6px;font-size:.9rem;font-weight:600;color:var(--orange);margin-bottom:12px}.hero-free-lock svg{flex-shrink:0}.hero-address{display:block;font-size:1rem;color:#999;margin-bottom:48px}.hero-address svg{vertical-align:middle;margin-right:4px}.hero-buttons{display:flex;gap:16px;flex-wrap:wrap}.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:40px;backdrop-filter:blur(10px)}.hero-features{display:grid;grid-template-columns:1fr 1fr;gap:24px}.hero-feature{display:flex;align-items:flex-start;gap:12px}.hero-feature-icon{width:44px;height:44px;min-width:44px;background:rgba(255,88,41,.15);border-radius:10px;display:flex;align-items:center;justify-content:center}.hero-feature-icon svg{width:22px;height:22px;stroke:var(--orange);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.hero-feature h3{font-size:.9rem;font-weight:600;margin-bottom:4px}.hero-feature p{font-size:.8rem;color:#999;line-height:1.4}.military-banner{background:linear-gradient(135deg,#2d3a2d 0,#1a2e1a 100%);padding:20px 0;text-align:center;color:var(--white);border-top:3px solid var(--orange)}.military-banner-inner{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap}.military-banner svg{width:28px;height:28px;fill:var(--orange)}.military-banner strong{font-size:1.1rem;color:var(--orange)}.military-banner p{font-size:.95rem;color:#ccc}.link-orange{color:var(--orange)}.section{padding:80px 0}.section-light{background:var(--light)}.section-dark{background:var(--dark);color:var(--white)}.section-header{text-align:center;margin-bottom:48px}.section-label{display:inline-block;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--orange);margin-bottom:12px}.section-header h2{font-size:2.2rem;font-weight:800;color:var(--dark);margin-bottom:12px}.section-dark .section-header h2{color:var(--white)}.section-header p{font-size:1.05rem;color:var(--gray);max-width:600px;margin:0 auto}.section-dark .section-header p{color:#aaa}.features-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.feature-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:32px 24px;text-align:center;transition:all var(--transition)}.feature-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--orange)}.feature-icon{width:56px;height:56px;background:rgba(255,88,41,.1);border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}.feature-icon svg{width:28px;height:28px;stroke:var(--orange);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.feature-card h3{font-size:1.05rem;font-weight:700;margin-bottom:8px;color:var(--dark)}.feature-card p{font-size:.9rem;color:var(--gray);line-height:1.5}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial-card{background:var(--white);border-radius:12px;padding:32px;box-shadow:var(--shadow);position:relative}.testimonial-stars{color:#f5a623;font-size:1.1rem;margin-bottom:16px;letter-spacing:2px}.testimonial-card blockquote{font-size:.95rem;line-height:1.6;color:var(--gray);font-style:italic;margin-bottom:20px}.testimonial-author{display:flex;align-items:center;gap:12px}.testimonial-avatar{width:44px;height:44px;border-radius:50%;background:var(--orange);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem}.testimonial-author strong{font-size:.95rem;color:var(--dark)}.testimonial-author span{font-size:.8rem;color:var(--gray)}.reviews-header{display:flex;align-items:center;justify-content:center;margin-top:20px}.reviews-footer{display:flex;align-items:center;justify-content:center;gap:32px;margin-top:48px;padding-top:32px;border-top:1px solid var(--border)}.google-rating{display:flex;align-items:center;gap:12px}.google-icon{width:32px;height:32px;flex-shrink:0}.google-rating-score{display:flex;align-items:center;gap:6px}.google-rating-score strong{font-size:1.4rem;color:var(--dark)}.google-stars{color:#fbbc05;font-size:1.1rem;letter-spacing:1px}.google-rating-text{font-size:.8rem;color:var(--gray)}.location-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.map-wrapper{border-radius:12px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--border)}.map-wrapper iframe{width:100%;height:400px;border:none}.location-info{padding:20px 0}.location-detail{display:flex;align-items:flex-start;gap:16px;margin-bottom:28px}.location-detail-icon{width:48px;height:48px;min-width:48px;background:rgba(255,88,41,.1);border-radius:10px;display:flex;align-items:center;justify-content:center}.location-detail-icon svg{width:24px;height:24px;stroke:var(--orange);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.location-detail h3{font-size:.95rem;font-weight:700;color:var(--dark);margin-bottom:4px}.location-detail a,.location-detail p{font-size:.9rem;color:var(--gray);line-height:1.5}.location-detail a:hover{color:var(--orange)}.hours-grid{display:grid;gap:6px}.hours-row{display:flex;justify-content:space-between;gap:24px;font-size:.9rem}.hours-row span:first-child{color:var(--gray)}.hours-row span:last-child{font-weight:600;color:var(--dark)}.cta-section{background:linear-gradient(135deg,var(--orange) 0,#e04a1f 100%);padding:80px 0;text-align:center;color:var(--white)}.cta-section h2{font-size:2.2rem;font-weight:800;margin-bottom:12px}.cta-section p{font-size:1.1rem;opacity:.9;margin-bottom:32px;max-width:500px;margin-left:auto;margin-right:auto}.cta-buttons{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.footer{background:var(--darker);color:#ccc;padding:60px 0 30px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}.footer-brand .logo{color:var(--white);margin-bottom:16px}.footer-brand p{font-size:.9rem;color:#999;line-height:1.6;margin-bottom:16px}.footer-badge{margin-top:8px;display:flex;align-items:center;gap:14px}.kssoa-badge{height:80px;width:auto;border-radius:var(--radius)}.chamber-badge{height:80px;width:auto;border-radius:12px;margin-right:0}.footer h4{font-size:.9rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--white);margin-bottom:20px}.footer ul li{margin-bottom:10px}.footer ul a{font-size:.9rem;color:#999;transition:color var(--transition)}.footer ul a:hover{color:var(--orange)}.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:24px;display:flex;justify-content:space-between;align-items:center;font-size:.85rem;color:#666}.page-hero{background:linear-gradient(135deg,var(--dark) 0,#2a2a2a 100%);color:var(--white);padding:60px 0;text-align:center}.page-hero h1{font-size:2.5rem;font-weight:800;margin-bottom:12px}.page-hero p{font-size:1.1rem;color:#aaa}.faq-list{max-width:800px;margin:0 auto}.faq-item{border-bottom:1px solid var(--border)}.faq-question{width:100%;background:0 0;border:none;padding:24px 0;font-size:1.05rem;font-weight:600;color:var(--dark);cursor:pointer;display:flex;justify-content:space-between;align-items:center;text-align:left;font-family:var(--font);transition:color var(--transition)}.faq-question:hover{color:var(--orange)}.faq-question svg{width:20px;height:20px;min-width:20px;stroke:var(--gray);fill:none;stroke-width:2;transition:transform var(--transition)}.faq-item.open .faq-question svg{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s ease}.faq-item.open .faq-answer{max-height:500px}.faq-answer-inner{padding:0 0 24px;font-size:.95rem;line-height:1.7;color:var(--gray)}.tp-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.tp-hero-grid h2{font-size:2rem;font-weight:800;margin-bottom:16px;color:var(--dark)}.tp-hero-grid p{font-size:1.05rem;color:var(--gray);margin-bottom:24px;line-height:1.6}.tp-hero-buttons{display:flex;gap:16px;flex-wrap:wrap}.tp-image{background:linear-gradient(135deg,rgba(255,88,41,.1),rgba(255,88,41,.05));border-radius:16px;padding:40px;display:flex;align-items:center;justify-content:center;min-height:300px}.tp-image svg{width:120px;height:120px;stroke:var(--orange);fill:none;stroke-width:1.5}.coverage-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;max-width:800px;margin:0 auto}.coverage-item{display:flex;align-items:center;gap:10px;padding:16px 20px;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow)}.coverage-item svg{width:20px;height:20px;min-width:20px;stroke:var(--orange);fill:none;stroke-width:2}.coverage-item span{font-size:.95rem;font-weight:500;color:var(--dark)}.plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:800px;margin:0 auto}.plan-card{background:var(--white);border:2px solid var(--border);border-radius:12px;padding:32px;text-align:center;transition:all var(--transition)}.plan-card.popular,.plan-card:hover{border-color:var(--orange);transform:translateY(-4px);box-shadow:var(--shadow-lg)}.plan-card .amount{font-size:2rem;font-weight:800;color:var(--dark)}.plan-card .label{font-size:.85rem;color:var(--gray);margin-top:4px}.plan-note{text-align:center;font-size:.9rem;color:var(--gray);margin-top:20px}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step-card{text-align:center;padding:24px}.step-number{width:48px;height:48px;background:var(--orange);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.2rem;margin:0 auto 16px}.step-card h3{font-size:1rem;font-weight:700;color:var(--dark);margin-bottom:8px}.step-card p{font-size:.9rem;color:var(--gray);line-height:1.5}.protection-intro{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin-bottom:48px}.protection-intro-content .section-label{display:inline-block;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--orange);margin-bottom:12px}.protection-intro-content h2{font-size:2.2rem;font-weight:800;color:var(--dark);margin-bottom:16px}.protection-intro-content p{font-size:1.05rem;color:var(--gray);line-height:1.6}.protection-intro-image{border-radius:12px;overflow:hidden;box-shadow:var(--shadow-lg)}.protection-intro-image img{width:100%;height:320px;object-fit:cover;display:block}.protection-photo-banner{max-width:var(--max-width);margin:0 auto;padding:0 24px}.protection-photo-banner img{width:100%;height:280px;object-fit:cover;border-radius:12px;display:block}.protection-highlights{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.protection-highlight-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:32px 24px;text-align:center;transition:all var(--transition)}.protection-highlight-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--orange)}.protection-highlight-icon{width:56px;height:56px;background:rgba(255,88,41,.1);border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}.protection-highlight-icon svg{stroke:var(--orange)}.protection-highlight-card h3{font-size:1.1rem;font-weight:700;color:var(--dark);margin-bottom:12px}.protection-highlight-card p{font-size:.9rem;color:var(--gray);line-height:1.5}.protection-levels{display:flex;justify-content:center;gap:12px;margin-bottom:12px}.protection-level{display:inline-block;background:var(--dark);color:var(--white);font-weight:700;font-size:1.1rem;padding:8px 20px;border-radius:var(--radius)}.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-bottom:32px}.coverage-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:28px 20px;text-align:center;transition:all var(--transition)}.coverage-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--orange)}.coverage-icon{width:56px;height:56px;background:rgba(255,88,41,.1);border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}.coverage-icon svg{stroke:var(--orange)}.coverage-card h3{font-size:1rem;font-weight:700;color:var(--dark);margin-bottom:8px}.coverage-card p{font-size:.85rem;color:var(--gray);line-height:1.5}.coverage-footnote{font-size:.8rem;color:var(--gray);text-align:center;font-style:italic;max-width:800px;margin:0 auto;line-height:1.6}.exclusions-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;max-width:900px;margin:0 auto}.exclusion-col h3{font-size:1.15rem;font-weight:700;color:var(--dark);margin-bottom:8px}.exclusion-col>p{font-size:.9rem;color:var(--gray);margin-bottom:20px;line-height:1.5}.exclusion-list{display:grid;gap:12px}.exclusion-list li{display:flex;align-items:flex-start;gap:10px;font-size:.9rem;color:var(--text);line-height:1.5}.exclusion-list svg{flex-shrink:0;stroke:#e53e3e;margin-top:3px}.exclusion-note{margin-top:24px;padding:16px;background:var(--light);border-radius:var(--radius);font-size:.8rem;color:var(--gray);line-height:1.6;font-style:italic}.claim-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:48px}.claim-step{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:28px 24px;text-align:center;transition:all var(--transition)}.claim-step:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--orange)}.claim-step-number{width:40px;height:40px;background:var(--orange);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:700;margin:0 auto 16px}.claim-step h3{font-size:1rem;font-weight:700;color:var(--dark);margin-bottom:8px}.claim-step p{font-size:.85rem;color:var(--gray);line-height:1.5}.claim-step a{color:var(--orange);font-weight:600}.claim-step a:hover{text-decoration:underline}.claim-info-box{background:var(--light);border:1px solid var(--border);border-radius:12px;padding:32px;max-width:800px;margin:0 auto}.claim-info-box h3{font-size:1.1rem;font-weight:700;color:var(--dark);text-align:center;margin-bottom:24px}.claim-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.claim-info-item{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--text)}.claim-info-item svg{flex-shrink:0;stroke:var(--orange)}.claim-info-cta{text-align:center;margin-top:24px}.protection-disclaimer{max-width:800px;margin:0 auto;text-align:center}.protection-disclaimer p{font-size:.85rem;color:var(--gray);line-height:1.7;margin-bottom:16px}.protection-disclaimer p:last-child{margin-bottom:0}.protection-disclaimer a{color:var(--orange);font-weight:600}.protection-disclaimer 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