:root{--navy:#0b1f33;--deep:#0f3348;--blue:#106c91;--teal:#1b9aaa;--foam:#d9f3ef;--sand:#f3e7d1;--coral:#e76f51;--ink:#13212c;--muted:#5d6b75;--line:#d9e4e8;--white:#fff;--offwhite:#f7fbfb;--shadow:0 22px 70px #0b1f332e;--radius:8px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--offwhite);-webkit-font-smoothing:antialiased;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6}a{color:inherit}.site-header{z-index:50;backdrop-filter:blur(14px);background:#fffffff0;border-bottom:1px solid #d9e4e8e6;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:24px;width:min(1180px,100% - 40px);min-height:74px;margin:0 auto;display:flex}.brand{align-items:center;gap:12px;min-width:max-content;text-decoration:none;display:inline-flex}.brand-mark{border-radius:var(--radius);background:linear-gradient(145deg, var(--blue), var(--teal));width:42px;height:42px;position:relative;overflow:hidden;box-shadow:0 10px 24px #106c9147}.brand-wave{border:2px solid #0000;border-top-color:#ffffffe6;border-radius:50%;height:9px;position:absolute;left:8px;right:8px}.brand-wave-one{top:14px}.brand-wave-two{opacity:.72;top:23px}.brand-copy{gap:1px;line-height:1.05;display:grid}.brand-name{letter-spacing:0;color:var(--navy);font-size:19px;font-weight:800}.brand-sub{letter-spacing:.08em;text-transform:uppercase;color:var(--blue);font-size:12px;font-weight:700}.header-nav{color:#40515e;justify-content:center;align-items:center;gap:26px;font-size:14px;font-weight:700;display:flex}.header-nav a{text-decoration:none}.header-nav a:hover{color:var(--blue)}.header-actions{align-items:center;gap:14px;display:inline-flex}.header-phone{color:var(--navy);white-space:nowrap;font-size:14px;font-weight:900;text-decoration:none}.header-phone:hover{color:var(--blue)}.header-cta,.btn-primary,.btn-secondary{border-radius:var(--radius);justify-content:center;align-items:center;min-height:46px;padding:0 20px;font-weight:800;text-decoration:none;transition:transform .18s,box-shadow .18s,background .18s;display:inline-flex}.header-cta,.btn-primary{background:var(--coral);color:var(--white);box-shadow:0 14px 28px #e76f5140}.header-cta:hover,.btn-primary:hover,.btn-secondary:hover{transform:translateY(-1px)}.btn-primary:hover{background:#d95e43}.btn-secondary{color:var(--white);background:#ffffff21;border:1px solid #ffffff57}.btn-dark{background:var(--navy);box-shadow:0 16px 28px #0b1f3329}.hero{min-height:720px;color:var(--white);background:var(--navy);position:relative;overflow:hidden}.hero-media{background-image:url(/assets/nj-coastal-flood-hero.png);background-position:50%;background-size:cover;position:absolute;inset:0;transform:scale(1.01)}.hero-shade{background:linear-gradient(90deg,#081a2aeb 0%,#081a2ac2 38%,#081a2a6e 68%,#081a2a94 100%),linear-gradient(#081a2a24,#081a2a8f);position:absolute;inset:0}.hero-inner{z-index:1;grid-template-columns:minmax(0,1.1fr) 430px;align-items:center;gap:56px;width:min(1180px,100% - 40px);min-height:720px;margin:0 auto;padding:82px 0 72px;display:grid;position:relative}.hero-copy{max-width:690px}.eyebrow{color:var(--foam);letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px;font-size:13px;font-weight:900}.hero h1{letter-spacing:0;max-width:680px;margin:0;font-size:clamp(42px,6vw,72px);font-weight:900;line-height:1.02}.hero-lede{color:#ffffffdb;max-width:620px;margin:24px 0 0;font-size:19px;line-height:1.72}.hero-actions{flex-wrap:wrap;gap:14px;margin:34px 0 0;display:flex}.trust-row{flex-wrap:wrap;gap:10px;margin-top:34px;display:flex}.trust-row span{color:#ffffffe6;background:#d9f3ef1f;border:1px solid #d9f3ef3d;border-radius:999px;align-items:center;min-height:36px;padding:0 14px;font-size:13px;font-weight:800;display:inline-flex}.quote-panel{border-radius:var(--radius);color:var(--ink);box-shadow:var(--shadow);background:#fffffff5;border:1px solid #ffffffb8;padding:30px}.quote-panel-header{margin-bottom:24px}.quote-panel h2{color:var(--navy);margin:0 0 10px;font-size:30px;line-height:1.12}.quote-panel p{color:var(--muted);margin:0;font-size:15px}.zip-start-form{gap:10px;display:grid}.zip-input-wrap{position:relative}.zip-input-wrap input{border-radius:var(--radius);background:var(--white);width:100%;height:58px;color:var(--navy);font:inherit;letter-spacing:0;text-align:center;border:2px solid #d2e5e8;outline:none;padding:0 18px;font-size:22px;font-weight:900;transition:border-color .18s,box-shadow .18s}.zip-input-wrap input:focus{border-color:var(--teal);box-shadow:0 0 0 4px #1b9aaa29}.typing-placeholder{color:#7a9199;text-align:center;pointer-events:none;font-size:22px;font-weight:900;position:absolute;top:50%;left:0;right:0;transform:translateY(-50%)}.typing-placeholder:after{content:"";background:var(--coral);width:2px;height:22px;margin-left:3px;animation:.9s step-end infinite cursorBlink;display:inline-block;transform:translateY(4px)}.typing-placeholder.is-hidden{display:none}.zip-error{color:#b42318;min-height:20px;margin-top:-3px;font-size:13px;font-weight:800;line-height:1.45}.quote-submit{border-radius:var(--radius);background:linear-gradient(135deg, var(--coral), #f28f52);width:100%;min-height:56px;color:var(--white);font:inherit;cursor:pointer;border:0;font-size:17px;font-weight:900;transition:transform .18s,box-shadow .18s;box-shadow:0 18px 34px #e76f513d}.quote-submit:hover{transform:translateY(-1px);box-shadow:0 22px 42px #e76f514d}.quote-note{border-left:3px solid var(--coral);color:#685447;background:#fff8f2;margin-top:18px;padding:12px 14px;font-size:13px;line-height:1.55}.quote-note a{color:var(--navy);font-weight:900}@keyframes cursorBlink{0%,45%{opacity:1}46%,to{opacity:0}}.modal-open{overflow:hidden}.quote-modal{z-index:100;justify-content:center;align-items:center;padding:24px;display:none;position:fixed;inset:0}.quote-modal.is-open{display:flex}.quote-modal-backdrop{backdrop-filter:blur(6px);background:#061420b8;position:absolute;inset:0}.quote-modal-panel{border-radius:var(--radius);background:#f8fbfb;width:min(720px,100%);max-height:min(820px,100vh - 48px);position:relative;overflow:hidden;box-shadow:0 32px 90px #00000057}.quote-modal-close{z-index:2;width:38px;height:38px;color:var(--navy);cursor:pointer;background:#0b1f3314;border:0;border-radius:999px;font-size:28px;line-height:1;position:absolute;top:12px;right:12px}.quote-modal-frame{border:0;width:100%;min-height:620px;max-height:calc(100vh - 48px);display:block;overflow:auto}.intro-band{background:var(--white);border-bottom:1px solid var(--line)}.intro-inner{width:min(980px,100% - 40px);margin:0 auto;padding:34px 0}.intro-inner p{color:#334756;text-align:center;margin:0;font-size:18px;line-height:1.72}.people-banner-section{background:var(--white);border-bottom:1px solid var(--line)}.people-banner-frame{background:var(--deep);width:100%;height:clamp(150px,18vw,240px);overflow:hidden}.people-banner-frame img{object-fit:cover;object-position:58% center;width:100%;height:100%;display:block}.section{background:var(--offwhite);padding:92px 0}.section-inner,.risk-inner{width:min(1180px,100% - 40px);margin:0 auto}.section-heading{max-width:760px;margin-bottom:42px}.section .eyebrow,.risk-section .eyebrow{color:var(--blue)}.section h2,.risk-section h2{color:var(--navy);letter-spacing:0;margin:0;font-size:clamp(32px,4vw,48px);line-height:1.08}.section-heading p,.resources-inner p,.risk-copy p{color:var(--muted);margin:18px 0 0;font-size:17px;line-height:1.75}.feature-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;display:grid}.feature-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 12px 32px #0b1f330f}.feature-icon{border-radius:var(--radius);width:44px;height:44px;margin-bottom:22px;display:inline-block}.water-icon{background:radial-gradient(circle at 24px 16px, #ffffffc7 0 5px, transparent 6px), linear-gradient(145deg, var(--blue), var(--teal))}.private-icon{background:linear-gradient(135deg, transparent 0 46%, #ffffffc7 47% 55%, transparent 56%), linear-gradient(145deg, var(--coral), #f4a261)}.lender-icon{background:linear-gradient(180deg, transparent 0 26%, #ffffffd1 27% 35%, transparent 36%), linear-gradient(145deg, var(--navy), var(--blue))}.feature-card h3{color:var(--navy);margin:0 0 10px;font-size:21px}.feature-card p{color:var(--muted);margin:0}.risk-section{border-block:1px solid var(--line);background:linear-gradient(135deg,#e4f5f3 0%,#fff8ee 100%);padding:92px 0}.risk-inner{grid-template-columns:minmax(0,.9fr) minmax(340px,.65fr);align-items:center;gap:54px;display:grid}.risk-list{gap:14px;display:grid}.risk-list div{border-radius:var(--radius);background:#ffffffc7;border:1px solid #fffc;gap:4px;padding:20px 22px;display:grid;box-shadow:0 12px 28px #0b1f3312}.risk-list strong{color:var(--navy);font-size:17px}.risk-list span{color:var(--muted);font-size:14px}.resources-section{background:var(--white)}.resources-inner{grid-template-columns:minmax(0,1fr) max-content;align-items:center;gap:32px;display:grid}.resource-link-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px;display:grid}.resource-link-grid a{border:1px solid var(--line);border-radius:var(--radius);background:var(--offwhite);min-height:58px;color:var(--navy);align-items:center;padding:12px 14px;font-size:14px;font-weight:900;line-height:1.25;text-decoration:none;display:flex}.resource-link-grid a:hover{color:var(--blue);border-color:#1b9aaa80}.seo-hero,.seo-hero .hero-inner{min-height:640px}.seo-hero .hero-inner{padding-top:76px;padding-bottom:62px}.content-page .hero h1{max-width:720px;font-size:clamp(38px,5vw,62px)}.seo-content-section{background:var(--white)}.seo-content-layout{grid-template-columns:minmax(0,1fr) 320px;align-items:start;gap:58px;display:grid}.seo-main{gap:38px;display:grid}.seo-copy-block{border-bottom:1px solid var(--line);padding-bottom:38px}.seo-copy-block:last-child{border-bottom:0;padding-bottom:0}.seo-copy-block h2{max-width:760px}.seo-copy-block p{color:#40515e;max-width:790px;margin:16px 0 0;font-size:17px;line-height:1.78}.seo-bullet-list{gap:10px;max-width:790px;margin:20px 0 0;padding:0;list-style:none;display:grid}.seo-bullet-list li{color:#40515e;padding-left:24px;font-weight:700;line-height:1.65;position:relative}.seo-bullet-list li:before{content:"";background:var(--teal);border-radius:999px;width:8px;height:8px;position:absolute;top:.7em;left:0}.seo-sidebar{gap:18px;display:grid;position:sticky;top:98px}.sidebar-panel{border:1px solid var(--line);border-radius:var(--radius);background:var(--offwhite);padding:22px}.sidebar-panel h2{color:var(--navy);margin:0 0 14px;font-size:17px;line-height:1.25}.sidebar-panel nav{gap:10px;display:grid}.sidebar-panel a{color:var(--blue);font-size:14px;font-weight:900;line-height:1.35;text-decoration:none}.sidebar-panel a:hover{text-decoration:underline}.faq-block{padding-top:8px}.faq-list{gap:12px;margin-top:24px;display:grid}.faq-list details{border:1px solid var(--line);border-radius:var(--radius);background:var(--offwhite);padding:0 18px}.faq-list summary{cursor:pointer;color:var(--navy);padding:17px 0;font-size:16px;font-weight:900;line-height:1.35}.faq-list details p{margin:0;padding:0 0 18px;font-size:15px;line-height:1.7}.seo-cta-section{border-bottom:0}.policy-main{background:var(--offwhite)}.policy-hero{border-bottom:1px solid var(--line);background:linear-gradient(135deg,#e4f5f3 0%,#fff8ee 100%)}.policy-inner{width:min(920px,100% - 40px);margin:0 auto}.policy-hero .policy-inner{padding:76px 0 54px}.policy-hero h1{color:var(--navy);letter-spacing:0;margin:0;font-size:clamp(38px,5vw,58px);line-height:1.06}.policy-hero p:not(.eyebrow):not(.policy-updated){color:#334756;max-width:740px;margin:18px 0 0;font-size:18px;line-height:1.72}.policy-body{padding:58px 0 86px}.policy-content{gap:28px;display:grid}.policy-content article{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);padding:30px;box-shadow:0 12px 32px #0b1f330d}.policy-content h2,.policy-content h3{color:var(--navy);letter-spacing:0;margin:0;line-height:1.22}.policy-content h2{font-size:26px}.policy-content h3{margin-top:26px;font-size:18px}.policy-content p,.policy-content li{color:#40515e;font-size:16px;line-height:1.72}.policy-content p{margin:14px 0 0}.policy-content ul{margin:14px 0 0;padding-left:22px}.policy-content a{color:var(--blue);font-weight:800}.policy-updated{color:var(--muted);margin:12px 0 0;font-size:14px;font-weight:800}.turnstile-addendum{border-color:#1b9aaa52}.site-footer{background:var(--navy);color:#ffffffb8}.footer-inner{grid-template-columns:minmax(0,1fr) minmax(360px,.8fr);gap:56px;width:min(1180px,100% - 40px);margin:0 auto;padding:58px 0 44px;display:grid}.footer-logo-row{color:var(--white);align-items:center;gap:12px;font-size:18px;font-weight:900;display:flex}.footer-mark{border-radius:var(--radius);background:linear-gradient(145deg, var(--blue), var(--teal));width:32px;height:32px}.footer-brand p{color:#ffffff9e;max-width:460px;margin:16px 0 0}.footer-links{grid-template-columns:repeat(3,minmax(0,1fr));gap:34px;display:grid}.footer-links h2{color:var(--white);letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px;font-size:13px}.footer-links a{color:#ffffffa3;margin:9px 0;font-size:14px;text-decoration:none;display:block}.footer-links a:hover{color:var(--white)}.footer-bottom{color:#ffffff80;border-top:1px solid #ffffff1f;justify-content:space-between;gap:20px;width:min(1180px,100% - 40px);margin:0 auto;padding:22px 0;font-size:13px;display:flex}@media (width<=960px){.header-nav{display:none}.hero,.hero-inner{min-height:auto}.hero-inner{grid-template-columns:1fr;gap:34px;padding:70px 0 54px}.quote-panel{max-width:560px}.feature-grid,.risk-inner,.resources-inner,.seo-content-layout,.footer-inner{grid-template-columns:1fr}.resource-link-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.seo-sidebar{position:static}.resources-inner{align-items:start}.footer-inner{gap:34px}}@media (width<=640px){.header-inner,.hero-inner,.section-inner,.risk-inner,.intro-inner,.policy-inner,.footer-inner,.footer-bottom{width:min(100% - 28px,1180px)}.header-inner{min-height:66px}.brand-mark{width:38px;height:38px}.brand-name{font-size:17px}.header-cta{min-height:40px;padding:0 14px;font-size:14px}.header-phone{display:none}.hero h1{font-size:40px}.hero-lede,.intro-inner p{font-size:16px}.hero-actions{flex-direction:column;align-items:stretch}.btn-primary,.btn-secondary{width:100%}.quote-panel{padding:22px}.quote-modal{padding:10px}.quote-modal-panel{max-height:calc(100vh - 20px)}.quote-modal-frame{min-height:calc(100vh - 20px);max-height:calc(100vh - 20px)}.section,.risk-section,.policy-body{padding:64px 0}.feature-card{padding:24px}.policy-hero .policy-inner{padding:54px 0 42px}.policy-content article{padding:22px}.footer-links,.resource-link-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}}