:root{--red:#d6152b;--blue:#0a2a6b;--navy:#06163d;--gold:#ffc72c;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:"Segoe UI",Arial,sans-serif;color:#13203f;background:#f7f9ff}
a{color:var(--blue)}
.stripes{height:12px;background:repeating-linear-gradient(90deg,var(--red) 0 40px,#fff 40px 80px,var(--blue) 80px 120px)}
.top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;padding:14px 24px;background:var(--navy)}
.brand{color:#fff;font-weight:900;font-size:1.5rem;text-decoration:none;letter-spacing:.5px}.brand span{color:var(--gold)}
nav{display:flex;gap:14px;align-items:center}nav a{color:#fff;text-decoration:none;font-weight:700}
.btn.quote{background:linear-gradient(135deg,var(--red),#ff4d5e);color:#fff;padding:10px 20px;border-radius:999px;font-weight:900;text-decoration:none;box-shadow:0 0 0 3px #fff,0 0 0 6px var(--red),0 6px 20px rgba(214,21,43,.5);display:inline-block;transition:transform .2s}
.btn.quote:hover{transform:scale(1.07) rotate(-1deg)}.btn.big{font-size:1.4rem;padding:16px 36px}
.hero{position:relative;overflow:hidden;text-align:center;color:#fff;padding:80px 20px 70px;
background:radial-gradient(circle at 20% 30%,rgba(255,199,44,.25),transparent 30%),radial-gradient(circle at 80% 20%,rgba(214,21,43,.4),transparent 35%),
repeating-linear-gradient(180deg,rgba(214,21,43,.18) 0 30px,transparent 30px 60px),linear-gradient(160deg,var(--navy),var(--blue))}
.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(#fff 1.4px,transparent 1.6px);background-size:46px 46px;opacity:.35}
.hero h1{position:relative;font-size:clamp(2rem,5vw,3.6rem);margin:0 0 14px;text-shadow:3px 3px 0 var(--red),6px 6px 0 rgba(0,0,0,.3);text-transform:uppercase}
.hero h1 em{color:var(--gold);font-style:normal}.lead{position:relative;font-size:1.25rem;max-width:760px;margin:0 auto 28px}
.fw{position:absolute;width:160px;height:160px;border-radius:50%;background:repeating-conic-gradient(var(--gold) 0 4deg,transparent 4deg 18deg);
-webkit-mask:radial-gradient(circle,transparent 18%,#000 20%,#000 60%,transparent 70%);mask:radial-gradient(circle,transparent 18%,#000 20%,#000 60%,transparent 70%);animation:pop 3s infinite}
.f1{left:5%;top:15%}.f2{right:6%;top:8%;background:repeating-conic-gradient(#ff4d5e 0 4deg,transparent 4deg 18deg);animation-delay:1s}.f3{right:28%;bottom:-20px;background:repeating-conic-gradient(#8fd3ff 0 4deg,transparent 4deg 18deg);animation-delay:2s}
@keyframes pop{0%{transform:scale(.2);opacity:0}30%{opacity:1}100%{transform:scale(1.3);opacity:0}}
#main>div:not(.wrapc){max-width:1100px;margin:0 auto;padding:30px 20px}
.sect{text-align:center;font-size:2rem;color:var(--blue);text-transform:uppercase}
.mapwrap{background:#fff;border-radius:18px;padding:16px;box-shadow:0 10px 30px rgba(10,42,107,.15);border:4px solid var(--blue)}
.usmap{width:100%;height:auto}.st{stroke:#fff;stroke-width:1.2;transition:fill .2s,filter .2s;cursor:pointer}
.usmap a:nth-child(3n) .st{fill:var(--red)}.usmap a:nth-child(3n+1) .st{fill:var(--blue)}.usmap a:nth-child(3n+2) .st{fill:#5b8def}
.usmap a:hover .st,.usmap a:focus .st{fill:var(--gold);filter:drop-shadow(0 0 8px var(--gold)) drop-shadow(0 0 16px #ff4d5e)}
.pick{display:block;text-align:center;margin:20px;font-weight:700}.pick select{font-size:1rem;padding:8px;border:2px solid var(--blue);border-radius:8px}
.statelist{columns:5 140px;list-style:none;padding:0}.statelist li{padding:3px 0}.statelist a{font-weight:600}
.cta{text-align:center;padding:50px 20px;background:linear-gradient(90deg,var(--red),var(--blue));color:#fff}.cta h2{font-size:2rem;margin-top:0}
footer{background:var(--navy);color:#cfd8ff;text-align:center;padding:24px}footer a{color:var(--gold)}.small{font-size:.85rem;max-width:800px;margin:auto}
.crumb a{font-weight:700}.burst{font-size:2.6rem;color:var(--red);text-transform:uppercase;text-shadow:2px 2px 0 var(--blue)}.burst span{display:block;font-size:1.2rem;color:var(--blue);text-shadow:none}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px}
.card{background:#fff;border-radius:14px;padding:18px;box-shadow:0 6px 18px rgba(0,0,0,.08);border-top:8px solid var(--blue)}
.card.red{border-color:var(--red)}.card.gold{border-color:var(--gold)}.card.white{border-color:#9fb3e6}.card h3{margin-top:0}
.verify{background:var(--gold);color:#000;font-size:.75rem;font-weight:900;padding:2px 8px;border-radius:6px}.vnote{font-size:.85rem;color:#8a5a00}
.src{font-size:.8rem}.disclaimer{margin-top:24px;padding:12px;background:#fff6d6;border-left:6px solid var(--gold)}

.hero:before,.hero:after,.hero .fw,.hero canvas{pointer-events:none}
.hero .btn,.hero a{position:relative;z-index:5}
.hero.mini{padding:50px 20px 40px}nav{flex-wrap:wrap}
.person{text-align:center}.person img{width:220px;height:220px;object-fit:cover;border-radius:50%;border:6px solid var(--gold);box-shadow:0 0 0 6px var(--red)}.role{color:var(--red);font-weight:800;text-transform:uppercase}
.rev blockquote{margin:8px 0;font-size:1.05rem;line-height:1.5}.stars{color:var(--gold);font-size:1.4rem;text-shadow:0 0 2px #a07000}.tag{background:var(--blue);color:#fff;font-size:.75rem;padding:2px 8px;border-radius:6px;font-weight:700}figcaption{font-weight:800;color:var(--blue)}figure.card{margin:0}
.dd{position:relative}.ddbtn{background:none;border:0;color:#fff;font:inherit;font-weight:700;cursor:pointer;padding:6px 4px}
.ddmenu{display:none;position:absolute;top:100%;left:0;z-index:50;min-width:230px;background:#fff;border-radius:10px;border-top:5px solid var(--red);box-shadow:0 10px 30px rgba(0,0,0,.3);padding:6px 0}
.ddmenu a{display:block;color:var(--blue);padding:9px 16px;font-weight:700}.ddmenu a:hover,.ddmenu a:focus{background:#eef3ff;color:var(--red)}
.dd:hover .ddmenu,.dd:focus-within .ddmenu,.dd.open .ddmenu{display:block}
@media(max-width:700px){.top nav{width:100%;justify-content:center}.ddmenu{left:50%;transform:translateX(-50%)}}
.covhero{position:relative}.covhero .slot{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.35}
.covgrid .covcard{text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}.covcard:hover{transform:translateY(-4px);box-shadow:0 12px 26px rgba(214,21,43,.3)}
.covicon{font-size:2.6rem}.more{color:var(--red);font-weight:800}.covgrid .covcard:nth-child(odd){border-color:var(--red)}
.cov .card{margin-bottom:18px}.cov li{margin:6px 0}.othercov a{margin-right:12px;font-weight:700}

.covhero .slot{opacity:1;z-index:0;filter:saturate(1.15)}
.covhero:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,25,70,.55),rgba(10,25,70,.35) 50%,rgba(178,34,52,.45));z-index:1;pointer-events:none}
.covhero>*:not(.slot){position:relative;z-index:2}
.covhero h1,.covhero .lead{text-shadow:2px 2px 6px rgba(0,0,0,.7)}
/* Accessibility */
.skip{position:absolute;left:-9999px;top:0;z-index:100;background:#fff;color:var(--navy);padding:10px 16px;font-weight:800}
.skip:focus{left:10px;top:10px}
a:focus-visible,button:focus-visible,select:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--gold);outline-offset:3px;box-shadow:0 0 0 6px var(--navy)}
main:focus{outline:none}
.btn.quote{background:linear-gradient(135deg,#b3101f,#d6152b)}
.usmap a:focus-visible{outline:none}.usmap a:focus .st{fill:var(--gold);stroke:var(--navy);stroke-width:3}
.card h2.h3,.card h2{font-size:1.25rem;margin-top:0}
.wrapc{max-width:900px;margin:0 auto;padding:30px 20px}
.wrapc h2{color:var(--blue)}
.stars{color:#9a6a00;text-shadow:none}
.verify{background:#ffd84d}
.dd .ddbtn{min-height:44px}
@media (prefers-reduced-motion: reduce){*,*:before,*:after{animation:none!important;transition:none!important}.fw{display:none}}
@media(max-width:480px){.top{padding:10px}.brand{font-size:1.15rem}nav{gap:8px;font-size:.95rem}.burst{font-size:1.8rem}.hero{padding:40px 14px}.btn.big{font-size:1.1rem;padding:12px 22px}.cards{grid-template-columns:1fr}.statelist{columns:2}}
img{max-width:100%;height:auto}body{overflow-wrap:anywhere}