@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--navy:#102e45;--blue:#086ac3;--muted:#546775;--light:#edf5fb;--line:#dce6ed}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;color:var(--navy);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,summary{ -webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #0288dd;outline-offset:5px}.wrap{max-width:1240px;margin:auto;padding-left:36px;padding-right:36px}.notice{padding:9px 36px;text-align:center;background:var(--navy);color:white;font-size:13px;letter-spacing:.02em}.notice span{margin-left:30px;color:#c8dfef}header{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:110px}.brand{display:flex;align-items:center;font-family:Manrope,sans-serif;font-size:25px;font-weight:800;letter-spacing:-1px}.wordmark>span{display:block;font-family:'DM Sans';font-size:11px;letter-spacing:4px;line-height:1.4;color:var(--blue)}nav{display:flex;gap:27px;font-size:14px;font-weight:600}nav a:hover{color:var(--blue)}.button{border:0;background:var(--blue);color:white;padding:16px 24px;border-radius:7px;font-weight:700;display:inline-flex;align-items:center;justify-content:center;gap:18px;cursor:pointer}.button:hover{background:#00569f}.button.small{font-size:14px;padding:13px 18px}.hero{display:grid;grid-template-columns:1.15fr 1fr;gap:52px;padding-top:52px;padding-bottom:74px}.eyebrow{font-size:12px;font-weight:800;letter-spacing:2px;color:var(--blue);margin:0 0 22px}h1{font-family:Manrope,sans-serif;font-size:clamp(42px,4.4vw,62px);font-weight:600;line-height:1.12;letter-spacing:-2.7px;margin:0 0 24px}h1 em{font-style:normal;color:var(--blue)}.intro{font-size:18px;color:var(--muted);max-width:470px;margin-bottom:29px}form label{font-size:14px;font-weight:700;display:block;margin-bottom:10px}.zip-row{display:flex;gap:8px}input{min-width:0;width:175px;padding:16px;border:1px solid #bacddc;border-radius:7px;background:white}form p,.fine{font-size:12px;color:var(--muted)}.reassure{display:flex;gap:19px;font-size:12px;margin-top:24px;color:#425f72}.hero-art{position:relative;min-height:490px}.photo-placeholder{height:100%;width:100%;background:#dcecf8;border-radius:100px 12px 100px 12px}.hero-art img{width:100%;height:100%;object-fit:cover;position:absolute;border-radius:100px 12px 100px 12px}.photo-caption{position:absolute;bottom:30px;left:-25px;display:flex;align-items:center;gap:15px;background:white;padding:20px 28px;border-radius:10px;box-shadow:0 12px 40px #102e4514;font-size:14px}.caption-icon{background:var(--light);color:var(--blue);font-size:30px;padding:0 14px;border-radius:50%}.coverage-strip{background:var(--light);padding:26px 0}.coverage-strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;font-weight:600}.coverage-strip span:first-child{font-size:11px;letter-spacing:1.5px;color:var(--muted)}footer{padding-top:45px;padding-bottom:30px;border-top:1px solid var(--line)}footer p{font-size:13px}.section{padding-top:88px;padding-bottom:88px}h2{font:600 clamp(30px,3vw,42px)/1.2 Manrope,sans-serif;letter-spacing:-1.4px;margin:0 0 20px}h3{font:700 20px/1.3 Manrope,sans-serif;margin:18px 0 12px}.section-heading{max-width:620px;margin-bottom:38px}.section-heading p{color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.step{padding:10px 30px 15px 0}.step p,.card p{color:var(--muted)}.number{font:500 42px Manrope;color:#72a8d1}.tinted{background:#f5f9fc}.card{border:1px solid var(--line);border-radius:12px;background:white;padding:28px}.card .category{font-size:12px;color:var(--blue);letter-spacing:1px;font-weight:700}.card a{font-size:14px;color:var(--blue);font-weight:700;display:inline-block;margin-top:12px}.why{display:grid;grid-template-columns:1fr 1fr;gap:80px}.why ul{list-style:none;padding:0;margin:0}.why li{padding:20px 0;border-bottom:1px solid var(--line)}.why li:first-child{padding-top:0}.why li strong{display:block;font-size:18px;margin-bottom:8px}.why li span{color:var(--muted)}details{border-bottom:1px solid var(--line);padding:21px 0}summary{cursor:pointer;font-weight:600;font-size:18px}details p{color:var(--muted);max-width:850px}.cta{background:var(--navy);color:white;padding:58px;border-radius:18px;margin-bottom:80px;display:flex;justify-content:space-between;align-items:center;gap:32px}.cta p{color:#c3d6e3}.cta h2{max-width:650px}.result{padding:24px;background:var(--light);border:1px solid var(--line);border-radius:8px;margin-top:20px}.result h3{margin-top:0}.result p{font-size:15px}.result button{background:none;border:0;padding:0;color:var(--blue);text-decoration:underline;cursor:pointer}.brand img{width:50px;height:50px;object-fit:contain;margin-right:8px}
@media(max-width:1000px){nav{gap:14px}header .small{display:none}.hero{gap:28px}h1{font-size:46px}.zip-row{flex-direction:column}input{width:100%}.reassure{flex-wrap:wrap;gap:10px}.hero-art{min-height:500px}}@media(max-width:680px){.wrap{padding-left:22px;padding-right:22px}.notice{font-size:12px;padding:8px 15px}.notice span{display:block;margin:0}header{min-height:100px;flex-wrap:wrap;gap:12px;padding-top:18px;padding-bottom:18px}nav{width:100%;justify-content:space-between;font-size:12px;gap:8px}.brand{font-size:22px}.hero{grid-template-columns:1fr;padding-top:30px;padding-bottom:40px}h1{font-size:44px;letter-spacing:-2px}.hero-art{min-height:370px;margin:5px 0 0 18px}.hero-art img,.photo-placeholder{border-radius:70px 10px 70px 10px}.photo-caption{left:-18px;bottom:24px;padding:16px 20px}.coverage-strip .wrap{flex-wrap:wrap;gap:12px;font-size:13px}.coverage-strip span:first-child{width:100%}.grid,.why{grid-template-columns:1fr;gap:20px}.section{padding-top:55px;padding-bottom:55px}.step{padding:0}.cta{border-radius:0;padding:40px 22px;margin-bottom:40px;display:block}.cta .button{margin-top:16px}.reassure{font-size:11px}.why{gap:25px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
#request-form input:not([type=checkbox]),#request-form select{display:block;width:100%;margin-bottom:15px;padding:12px;border:1px solid #bacddc;border-radius:7px;background:#fff;color:var(--navy)}#request-form .consent{display:flex;align-items:flex-start;gap:10px;margin-top:18px;font-weight:400}#request-form input[type=checkbox]{width:18px;height:18px;flex-shrink:0;margin-top:3px}.result #request-form button{background:var(--blue);color:white;padding:14px 20px;text-decoration:none}#email-status{font-size:14px}

.notice.agent-bar{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap;padding:10px 20px;font-size:14px}.notice.agent-bar>span{margin:0;color:white}.agent-bar .call-button{display:inline-flex;align-items:center;gap:10px;padding:8px 16px;border-radius:6px;background:white;color:var(--navy);font-weight:700;min-height:44px}.agent-bar .call-button span{margin:0;color:inherit}.agent-bar .call-button:hover{background:#dcecf8}
@keyframes call-pulse{0%,100%{box-shadow:0 0 0 0 rgba(120,199,255,0);background:#fff}50%{box-shadow:0 0 0 6px rgba(120,199,255,.3);background:#dcefff}}.agent-bar .call-button{animation:call-pulse 2.4s ease-in-out infinite}.agent-bar .call-button:hover,.agent-bar .call-button:focus-visible{animation:none}@media(prefers-reduced-motion:reduce){.agent-bar .call-button{animation:none}}

.guide{max-width:850px;margin:auto;padding:55px 24px 75px}.guide h1{font-size:clamp(32px,5vw,48px);line-height:1.15;letter-spacing:-1.4px;margin:30px 0}.guide h2{font-size:26px;line-height:1.25;margin:32px 0 12px;letter-spacing:-.5px}.guide p,.guide li{font-size:17px;line-height:1.75}.guide a:not(.button){color:#086ac3;text-decoration:underline}.guide li{margin-bottom:8px}.guide-nav{display:flex;flex-wrap:wrap;gap:20px}.guide .fine{font-size:13px}.seo-links{display:flex;flex-wrap:wrap;gap:18px;margin:22px 0}.seo-links a{text-decoration:underline}.guides-list{padding-top:45px;padding-bottom:45px}

/* Comparison flow and small-screen refinements */
[hidden]{display:none!important}fieldset{border:0;padding:0;margin:0}legend{font-weight:700;margin:0 0 18px}.flow-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.result .flow-actions .button{padding:14px 18px;min-height:48px}.result .flow-actions #flow-back{background:#fff;color:var(--navy);border:1px solid var(--line)}#flow-progress{color:var(--blue);font-weight:700}.result{background:#f5f9fc;padding:26px}#flow-title{outline:none}select:focus-visible{outline:3px solid #0288dd;outline-offset:3px}.hero-art{max-height:650px}#compare .button{margin-top:20px}.agent-bar .call-button{animation:none}@media(max-width:680px){.hero h1{font-size:40px;line-height:1.15}.hero-art{min-height:300px}.flow-actions .button{width:100%}.result{padding:20px}.zip-row .button{width:100%}}

/* Quote-focused ClearHarbor introduction */
.hero-stage{position:relative;isolation:isolate;background:#102e45;overflow:hidden}.hero-backdrop{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% center;z-index:-2}.hero-stage:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,35,54,.97) 0%,rgba(10,35,54,.87) 40%,rgba(10,35,54,.42) 100%);z-index:-1}.hero-stage .hero{grid-template-columns:1.15fr 1fr;align-items:start;gap:64px;padding-top:66px;padding-bottom:66px}.hero-stage h1{color:#fff;font-size:clamp(38px,4.2vw,58px);line-height:1.12;letter-spacing:-2px}.hero-stage h1 em{color:#a9d6ff}.hero-stage .hero-copy>.eyebrow{color:#b3dcff}.hero-stage .intro{color:#e3edf5;font-size:19px;max-width:460px}.hero-tags{display:flex;flex-wrap:wrap;gap:10px}.hero-tags span{border:1px solid #ffffff45;background:#ffffff0c;color:#fff;border-radius:30px;padding:7px 13px;font-size:13px}.hero-note{color:#e3edf5;margin:38px 0 0;font-size:15px}.hero-note strong{font-size:22px;font-weight:500;color:#fff}.quote-card{background:#fff;padding:32px;border-radius:16px;box-shadow:0 24px 60px #00182738;min-width:0}.quote-card>.eyebrow{margin-bottom:12px;font-size:10px;letter-spacing:1.5px}.quote-card h2{font-size:30px;letter-spacing:-1px;margin-bottom:12px}.quote-intro{font-size:15px;color:var(--muted);margin:0 0 22px}.form-progress{display:flex;gap:8px;justify-content:space-between;padding-bottom:18px;margin-bottom:22px;border-bottom:1px solid var(--line);font-size:11px;color:var(--muted)}.form-progress .active{color:var(--blue);font-weight:700}.quote-card .zip-row{flex-direction:column;gap:12px}.quote-card input{width:100%}.quote-card .button{width:100%;min-height:52px}.quote-fine{font-size:12px;color:var(--muted);margin:15px 0 22px}.quote-call{border-top:1px solid var(--line);padding-top:18px;display:flex;flex-direction:column;font-size:14px;gap:5px}.quote-call a{font-weight:700;color:var(--blue)}.quote-card .result{padding:0;border:0;background:white}.quote-card .flow-actions .button{width:auto;flex:1}.quote-card .result p{font-size:13px}.call-invite{position:fixed;right:24px;bottom:24px;z-index:1000;width:min(370px,calc(100vw - 32px));max-height:calc(100dvh - 32px);overflow:auto;background:#fff;color:var(--navy);border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:16px;padding:28px;box-shadow:0 16px 70px #102e4540}.call-invite .invite-icon{display:inline-flex;align-items:center;justify-content:center;background:var(--light);color:var(--blue);width:44px;height:44px;border-radius:50%;font-size:24px;margin-bottom:16px}.call-invite .eyebrow{font-size:10px;margin-bottom:10px}.call-invite h2{font-size:25px;letter-spacing:-.7px;line-height:1.25}.call-invite p:not(.eyebrow){font-size:15px;color:var(--muted)}.call-invite .button{width:100%;min-height:48px;font-size:15px}.invite-close{position:absolute;right:10px;top:10px;width:44px;height:44px;border:0;background:transparent;color:var(--muted);font-size:28px;cursor:pointer}.invite-later{display:block;margin:10px auto 0;min-height:44px;border:0;background:transparent;color:var(--muted);text-decoration:underline;cursor:pointer;font-size:14px}@media(max-width:900px){.hero-stage .hero{gap:30px;grid-template-columns:1fr 1fr}.hero-stage h1{font-size:42px}.quote-card{padding:24px}}@media(max-width:680px){.hero-stage .hero{grid-template-columns:1fr;padding-top:38px;padding-bottom:38px;gap:30px}.hero-stage h1{font-size:38px;letter-spacing:-1.5px}.hero-stage .intro{font-size:17px}.hero-stage:before{background:linear-gradient(180deg,rgba(10,35,54,.88),rgba(10,35,54,.94))}.hero-backdrop{object-position:65% top}.hero-note{display:none}.quote-card{padding:24px 20px;border-radius:12px}.quote-card h2{font-size:28px}.form-progress{font-size:10px}.call-invite{right:16px;bottom:16px;padding:24px}.quote-card .flow-actions{flex-direction:column}.quote-card .flow-actions .button{width:100%}}

.quote-card:has(#request-panel:not([hidden])) .form-progress{display:none}

.carrier-section{padding-top:60px;padding-bottom:60px}.carrier-heading{max-width:680px;margin:0 auto 32px;text-align:center}.carrier-heading .eyebrow{margin-bottom:12px}.carrier-heading h2{font-size:34px}.carrier-heading>p:last-child{color:var(--muted);font-size:16px}.carrier-logos{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:0;margin:0;list-style:none}.carrier-logos li{min-width:0;border:1px solid var(--line);border-radius:12px;min-height:150px;padding:22px;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:14px;background:#fff}.carrier-logos img{width:100%;max-width:220px;height:70px;object-fit:contain}.carrier-logos span{font-size:11px;color:var(--muted);text-align:center}.carrier-disclosure{margin-top:26px;border-left:3px solid var(--blue);background:var(--light);padding:20px 24px;font-size:13px;color:var(--muted)}.carrier-disclosure strong{color:var(--navy)}.carrier-disclosure p{margin:10px 0 0}.product-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.product-note{font-size:13px;border-top:1px solid var(--line);padding-top:14px}.other-guidance{display:flex;flex-wrap:wrap;gap:12px 24px;border-top:1px solid var(--line);margin-top:28px;padding-top:22px;font-size:14px}.other-guidance a{color:var(--blue);text-decoration:underline}@media(max-width:680px){.carrier-section{padding-top:42px;padding-bottom:42px}.carrier-heading h2{font-size:29px}.carrier-logos{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.carrier-logos li{padding:16px 12px;min-height:125px}.carrier-logos img{height:55px}.carrier-logos span{font-size:10px}.carrier-disclosure{padding:18px;font-size:12px}.product-grid{grid-template-columns:1fr}.other-guidance{flex-direction:column}}

.carrier-marquee{overflow:hidden;width:100%;padding:6px 0}.carrier-track{display:flex;width:max-content;animation:carrier-scroll 75s linear infinite;gap:16px}.carrier-track .carrier-logos{display:flex;flex:none;gap:16px}.carrier-track .carrier-logos li{width:220px;min-height:130px;flex:none;padding:18px}.carrier-track .carrier-logos img{height:65px}.carrier-marquee:hover .carrier-track,.carrier-marquee:focus-within .carrier-track,.carrier-marquee.is-paused .carrier-track{animation-play-state:paused}.carrier-pause{display:block;margin:16px auto 0;border:1px solid var(--line);background:white;border-radius:20px;padding:9px 16px;color:var(--navy);cursor:pointer;font:inherit;font-size:13px}@keyframes carrier-scroll{to{transform:translateX(calc(-50% - 8px))}}@media(prefers-reduced-motion:reduce){.carrier-track{animation:none}.carrier-marquee{overflow-x:auto}.carrier-track>.carrier-logos[aria-hidden]{display:none}.carrier-pause{display:none}}@media(max-width:680px){.carrier-track .carrier-logos li{width:180px;min-height:120px}.carrier-track .carrier-logos img{height:55px}}