:root{--navy:#0c233d;--gold:#e4c17c;--ink:#183047;--muted:#52667a}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{outline-offset:5px}header{max-width:1280px;margin:auto;padding:27px 42px;display:flex;justify-content:space-between;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:13px;font-size:1.35rem;letter-spacing:.16em}.mark{font-family:Georgia,serif;background:var(--navy);color:var(--gold);font-size:2rem;display:grid;place-items:center;width:49px;height:53px;border-radius:3px}.brand-sub{display:block;font-size:.64rem;letter-spacing:.24em;margin-top:5px}nav{display:flex;gap:30px;align-items:center;font-size:.9rem}.phone{font-weight:bold}.hero{background:var(--navy);color:white;display:grid;grid-template-columns:1.2fr 1fr;gap:72px;padding:65px max(42px,calc((100vw - 1196px)/2)) 70px}.eyebrow{font-size:.78rem;font-weight:bold;letter-spacing:.15em;color:#a5752c;margin:0 0 20px}.hero .eyebrow{color:var(--gold)}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:normal}h1{font-size:clamp(2.5rem,4.2vw,4rem);line-height:1.12;letter-spacing:-.035em;margin:0 0 24px}h1 em{color:var(--gold);font-style:normal}h2{font-size:2.4rem;line-height:1.15;margin:0 0 19px}h3{font-size:1.55rem;margin:18px 0 13px}p{font-size:1rem;line-height:1.65}.lead{color:#d3dce6;max-width:470px;font-size:1.1rem}.actions{display:flex;gap:12px;margin-top:27px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;text-align:center;padding:16px 22px;font-weight:bold;font-size:.95rem;border-radius:4px;border:1px solid transparent;cursor:pointer;min-height:50px}.gold{background:var(--gold);color:var(--navy)}.gold:hover{background:#f2d599}.outline{border-color:#738298;color:white}.agent-line{font-size:.8rem;color:#bdcbd9;margin:20px 0 30px}figure{margin:0;max-width:510px;position:relative}figure img{display:block;width:100%;height:220px;object-fit:cover;border-radius:5px}figcaption{font-size:.8rem;color:#d3dce6;margin-top:12px}.quote{background:white;color:var(--ink);border-radius:8px;padding:32px;box-shadow:0 20px 60px #0003;align-self:start;scroll-margin-top:24px}.quote .eyebrow{color:#966923;font-size:.7rem}.quote h2{font-size:2rem}.quote>p{color:var(--muted);margin:0 0 24px;font-size:.94rem}label{display:block;font-size:.875rem;font-weight:bold;margin:18px 0 8px}label span{font-weight:normal;color:var(--muted);font-size:.8rem}input,select{width:100%;border:1px solid #c4cfd9;background:#fff;color:var(--ink);padding:13px 11px;min-height:48px;border-radius:4px;font-size:1rem}.form-row{display:grid;grid-template-columns:1.25fr 1fr;gap:14px}.quote .button{width:100%;margin-top:24px}.form-note{font-size:.8rem;line-height:1.5;color:var(--muted);margin-bottom:0}.copy{display:block;background:none;border:0;color:var(--ink);text-decoration:underline;padding:14px 0;cursor:pointer;font-size:.9rem}pre{white-space:pre-wrap;font:inherit;line-height:1.6;background:#f1f5f9;padding:16px;border-radius:4px;overflow-wrap:anywhere}.coverage,.about,.faq,footer{max-width:1280px;margin:auto;padding:75px 42px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;margin-top:35px}.cards article{border-top:2px solid var(--gold);padding:25px 24px;background:#f4f7fa}.number{font-family:Georgia,serif;color:#9b6d28;font-size:1.2rem}.cards p{color:var(--muted);font-size:.95rem}.cards button{border:0;border-bottom:1px solid #9b6d28;color:var(--navy);background:none;padding:10px 0;font-size:.9rem;cursor:pointer;font-weight:bold}.about{background:var(--navy);color:white;border-radius:8px;display:grid;grid-template-columns:1fr 1fr;gap:90px;padding:55px;margin-bottom:25px;max-width:1196px}.about p{color:#d3dce6}.about .eyebrow{color:var(--gold)}.steps{border-left:1px solid #627286;padding-left:40px}.steps p{margin-bottom:22px}.steps b{color:var(--gold);font-size:.95rem}.steps span{display:block;margin-top:6px;font-size:.9rem}.faq{max-width:950px;padding-top:50px}details{border-bottom:1px solid #d3dce6;padding:21px 0}summary{cursor:pointer;font-size:1rem;font-weight:bold}details p{color:var(--muted)}footer{border-top:1px solid #d3dce6;display:grid;grid-template-columns:1fr 1.7fr;gap:50px;padding-top:35px;padding-bottom:35px}footer p{font-size:.85rem}.disclosure{color:var(--muted);font-size:.78rem;margin:0}footer a{font-weight:bold}[hidden]{display:none!important}@media(max-width:900px){header{padding:22px 24px}nav a:not(.phone){display:none}.hero{padding:40px 24px;gap:35px;grid-template-columns:1fr 1fr}h1{font-size:2.7rem}.quote{padding:25px}.about{margin:0 24px;gap:35px;padding:35px}.cards{gap:14px}.coverage,.faq,footer{padding:50px 24px}}@media(max-width:650px){header{gap:10px}.brand{font-size:1rem}.mark{width:38px;height:43px}.brand-sub{font-size:.53rem}.phone{font-size:.85rem}.hero{grid-template-columns:1fr;gap:32px}h1{font-size:2.9rem}.intro figure{display:none}.agent-line{margin-bottom:0}.quote{padding:25px}.cards{grid-template-columns:1fr}.coverage h2{font-size:2.1rem}.about{grid-template-columns:1fr;padding:28px;margin:0 18px}.steps{border-left:0;border-top:1px solid #627286;padding:15px 0 0}footer{grid-template-columns:1fr;gap:20px}h2{font-size:2rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Legacy brand palette and original tree-and-shield artwork */
:root{--navy:#062347;--gold:#f0c75b;--ink:#092849}header{max-width:none;background:var(--navy);color:var(--gold);border-bottom:1px solid #b78b33;padding-left:max(24px,calc((100vw - 1196px)/2));padding-right:max(24px,calc((100vw - 1196px)/2))}.tree-logo{position:relative;display:inline-block;overflow:hidden;width:64px;height:64px;flex-shrink:0;border-radius:5px;background:#062347}.tree-logo img{position:absolute;width:334%;max-width:none;height:auto;left:-117%;top:-16%}.hero-tree{display:block;width:110px;height:110px;margin:0 0 24px}.brand-sub{color:#fff;font-size:.68rem}.hero{background:linear-gradient(120deg,#031a35,#0a315c)}.cards article{background:#edf3fa;border-top:3px solid var(--gold)}.quote{border-top:5px solid var(--gold)}footer{background:var(--navy);color:white;max-width:none;padding-left:max(24px,calc((100vw - 1196px)/2));padding-right:max(24px,calc((100vw - 1196px)/2));border-top:3px solid var(--gold)}footer .disclosure{color:#c7d5e6}footer strong{color:var(--gold)}.footer-tree{display:block;margin-bottom:16px}.about{border-top:3px solid var(--gold)}@media(max-width:650px){header{padding:18px}.tree-logo{width:50px;height:50px}.hero-tree{width:85px;height:85px}.brand{gap:9px}.brand-sub{font-size:.53rem}.hero{padding-top:28px}}

.tree-logo{background:transparent;overflow:visible}.tree-logo img{position:static;display:block;width:100%;height:100%;object-fit:contain}

.tree-logo{position:relative;overflow:hidden;background:#062347}.tree-logo img{position:absolute;display:block;width:334%;height:auto;max-width:none;left:-117%;top:-16%}

.tree-logo{background:transparent;overflow:visible}.tree-logo img{position:static;display:block;width:100%;height:100%;max-width:100%;object-fit:contain}

.email-link{overflow-wrap:anywhere;text-decoration:underline;text-underline-offset:4px;font-size:.95rem}.about .email-link{color:var(--gold)}