:root{--bg:#ffffff;--fg:#14171c;--ac:#f59e0b;--acfg:#14171c;--mu:#5b6270;--card:#f6f7f9;--line:rgba(127,127,127,.25)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--fg);font:17px/1.6 -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif}
h1,h2,h3{font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.15;margin:0 0 .5em}h1{font-size:clamp(2rem,5vw,3.4rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}
a{color:inherit}.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;color:#000;padding:8px}
.hdr{border-bottom:1px solid var(--line);position:sticky;top:0;background:var(--bg);z-index:5}.hdr-in{display:flex;align-items:center;gap:20px;min-height:64px}
.logo{text-decoration:none;font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;font-size:1.25rem;font-weight:700;margin-right:auto}.hdr nav{display:flex;gap:18px}.hdr nav a{text-decoration:none;color:var(--mu);font-size:.95rem}
@media(max-width:760px){.hdr nav{display:none}}
.btn{display:inline-block;background:var(--ac);color:var(--acfg);border:0;border-radius:6px;padding:12px 22px;font:600 1rem -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;text-decoration:none;cursor:pointer}
.btn-sm{padding:8px 14px;font-size:.9rem}.btn-lg{width:100%;padding:16px;font-size:1.1rem;margin-top:8px}.btn-ghost{background:transparent;color:var(--fg);border:1px solid var(--fg)}
.hero{padding:64px 0 48px}.hero p.lede{font-size:1.2rem;color:var(--mu);max-width:640px}.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;color:var(--ac);font-weight:700}
.sec{padding:56px 0;border-top:1px solid var(--line)}.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
@media(max-width:860px){.split{grid-template-columns:1fr}}
label{display:block;font-size:.9rem;font-weight:600;margin:0 0 12px}input,select,textarea{display:block;width:100%;margin-top:4px;padding:12px;font:16px -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;border:1px solid var(--line);border-radius:6px;background:var(--bg);color:var(--fg)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:520px){.grid2{grid-template-columns:1fr}}
.hp{position:absolute;left:-9999px}.fine{font-size:.8rem;color:var(--mu)}.form-status{padding:12px;border-radius:6px;background:var(--card)}.is-error{border:1px solid #c0392b}
.prose{max-width:760px;padding:48px 20px}.center{text-align:center}ol.steps li,ul.ticks li{margin-bottom:10px}
.ftr{border-top:1px solid var(--line);padding:32px 0;color:var(--mu);font-size:.9rem;margin-top:40px}.ftr p{margin:.3em 0}
details{border-bottom:1px solid var(--line);padding:14px 0}summary{font-weight:700;cursor:pointer}
.ac{color:#d97706}.hero{background:#14171c;color:#fff;padding-top:40px}.hero p.lede{color:#c9ced6}.hero .answer{color:#eef1f5;background:rgba(255,255,255,.06)}.hero .card{color:#14171c}.hero .ticks{padding-left:1.2em}.logo{font-family:inherit}.answer{font-size:1.12rem;line-height:1.6;border-left:4px solid var(--ac);padding:12px 18px;margin:0 0 20px;background:rgba(127,127,127,.08);border-radius:0 8px 8px 0;max-width:760px}.answer-wrap{padding-top:32px}.faq-q{display:inline;font-size:1.05rem;margin:0;font-family:inherit}.faq-wrap{max-width:860px}
/* Consent to Contact toggle (matches nymbleinsurance.com) */
.consent{padding:16px 18px;border:1.5px solid var(--line);border-radius:12px;margin:14px 0;background:var(--card);text-align:left}
.consent-title{font-size:.85rem;font-weight:700;margin:0 0 6px;color:var(--fg)}
.consent-text{font-size:.82rem;line-height:1.6;margin:0 0 12px;color:var(--mu)}
.consent-toggle{display:flex;align-items:center;gap:12px;cursor:pointer;user-select:none;margin:0;font-weight:600;font-size:.85rem;color:var(--fg)}
.consent-toggle input{position:absolute;opacity:0;width:48px;height:26px;margin:0;cursor:pointer}
.consent-track{position:relative;display:inline-block;width:48px;height:26px;flex-shrink:0;border-radius:13px;background:#c9ced6;transition:background .2s}
.consent-knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .2s}
.consent-toggle input:checked+.consent-track{background:var(--ac)}
.consent-toggle input:checked+.consent-track .consent-knob{transform:translateX(22px)}
.consent-toggle input:focus-visible+.consent-track{outline:3px solid var(--ac);outline-offset:2px}
.consent-req{color:#dc2626}.consent-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.consent.is-missing{border-color:#dc2626}
.field-error{display:block;color:#b91c1c;font-size:.8rem;margin-top:4px;font-weight:600}
input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#dc2626;outline-color:#dc2626}

/* blog + sisters + cta */
.postlist{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}
.postcard a{display:flex;flex-direction:column;gap:6px;height:100%;padding:20px;border:1px solid var(--line);border-radius:10px;background:var(--card);text-decoration:none}
.postcard a:hover,.postcard a:focus-visible{border-color:var(--ac)}.postcard strong{font-size:1.1rem;line-height:1.25}
.pc-cat{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:var(--ac);font-weight:700}.pc-d{color:var(--mu);font-size:.92rem}.pc-m{color:var(--mu);font-size:.8rem;margin-top:auto}
.post h2{margin-top:1.6em}.post .meta{color:var(--mu);font-size:.9rem}.crumbs{font-size:.85rem;color:var(--mu);margin-bottom:12px}.crumbs a{color:var(--mu)}
.answer{font-size:1.12rem;border-left:4px solid var(--ac);padding:4px 0 4px 16px;margin:18px 0}
.cta-box{margin:36px 0}.cta-box .btn{margin-right:8px}.related-links{margin:28px 0}
.sisters{border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:14px}.sisters ul{list-style:none;padding:0;margin:6px 0;columns:2;column-gap:24px}.sisters li{margin:4px 0}.sisters li span{color:var(--mu)}
@media(max-width:620px){.sisters ul{columns:1}}
.bloghead{padding-bottom:12px}
.btn-ghost{background:transparent;color:var(--fg);border:1px solid var(--line)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--ac);outline-offset:2px}

/* ===== brand theme: floridafishingboatinsurance.com ===== */
@font-face{font-family:'BH';src:url(/fonts/h.woff2) format('woff2');font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:'BB';src:url(/fonts/b.woff2) format('woff2');font-weight:100 900;font-style:normal;font-display:swap}
:root{--ink:#0f4c47;--ac:#14796d;--acfg:#2b1a00;--cta:#f2a63b;--ctafg:#2b1a00;--tint:#fbf4e4;--ov:10,60,55;--r:18px;--fg:#18222b;--mu:#4f5b66;--card:#fff;--line:rgba(16,40,60,.14);--hf:'BH',Georgia,'Times New Roman',serif;--bf:'BB',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif}
body{font-family:var(--bf);font-size:17.5px;line-height:1.65;color:var(--fg);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3,.logo,.kicker{font-family:var(--hf)}
h1,h2,h3{color:var(--ink);letter-spacing:-.01em;font-weight:900}
h1{font-size:clamp(2.1rem,5.2vw,3.5rem);line-height:1.08}h2{font-size:clamp(1.55rem,3.2vw,2.15rem)}
.kicker{color:var(--ac);letter-spacing:.16em;font-size:.78rem}
.btn{background:var(--cta);color:var(--ctafg);border-radius:var(--r);font-family:var(--bf);font-weight:700;box-shadow:0 1px 0 rgba(0,0,0,.08),0 6px 16px -8px rgba(0,0,0,.45);transition:transform .15s,filter .15s}
.btn:hover{filter:brightness(1.07);transform:translateY(-1px)}.btn-ghost{background:transparent;color:inherit;border:1.5px solid currentColor;box-shadow:none}
/* header */
.hdr{background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hdr-in{min-height:72px;gap:18px}.logo{display:flex;align-items:center;margin-right:auto}.logo img{display:block;height:44px;width:auto;max-width:62vw}
.hdr nav{gap:4px}.hdr nav a{color:var(--ink);font-weight:600;font-size:.9rem;white-space:nowrap;padding:8px 9px;border-radius:calc(var(--r) - 2px)}.hdr nav a:hover{background:var(--tint)}
.hdr-phone{font-weight:700;color:var(--ink);text-decoration:none;white-space:nowrap;font-size:.95rem}
.mnav,details.mnav{display:none;position:relative;border:0;padding:0;margin:0;background:none}.mnav summary{list-style:none;cursor:pointer;width:44px;height:44px;display:grid;place-items:center;border:1px solid var(--line);border-radius:var(--r);font-size:1.3rem;color:var(--ink)}.mnav summary::-webkit-details-marker{display:none}
.btn-sm{white-space:nowrap}.mnav .mnav-panel{position:absolute;right:0;top:52px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 18px 40px -12px rgba(0,0,0,.3);padding:8px;min-width:220px;display:flex;flex-direction:column}.mnav .mnav-panel a{padding:12px 14px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:calc(var(--r) - 2px)}.mnav .mnav-panel a:hover{background:var(--tint)}
@media(max-width:1180px){.hdr-phone{display:none}}@media(max-width:960px){.hdr nav{display:none}.mnav,details.mnav{display:block}.logo img{height:38px}.hdr-in{min-height:64px;gap:10px}}
@media(max-width:420px){.hdr .btn-sm{padding:9px 12px;font-size:.85rem}.logo img{height:34px}}
/* hero with photo */
.hero{position:relative;isolation:isolate;background:rgb(10,60,55);color:#fff;padding:clamp(40px,7vw,88px) 0 clamp(44px,6vw,80px);overflow:hidden}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(10,60,55,.88) 0%,rgba(10,60,55,.6) 48%,rgba(10,60,55,.22) 100%)}
.hero h1,.hero h2,.hero .kicker{color:#fff}.hero .kicker{opacity:.92;color:var(--cta)}
.hero .answer{background:rgba(255,255,255,.1);border-left:4px solid var(--cta);color:#fff;font-size:1.08rem;backdrop-filter:blur(4px)}
.hero .ticks{list-style:none;padding:0;margin:18px 0 0}.hero .ticks li{padding-left:30px;position:relative;margin-bottom:9px;color:#fff}
.hero .ticks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--cta) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/70% no-repeat}
.hero .split{gap:clamp(24px,4vw,56px);align-items:start}.hero .split>div:first-child{padding-top:clamp(0px,3vw,36px);text-shadow:0 1px 14px rgba(0,0,0,.35)}.hero .split>div:first-child .answer{text-shadow:none}
.hero .card,.lead-form.card{background:#fff;color:var(--fg);border:0;border-radius:calc(var(--r) + 4px);padding:clamp(20px,3vw,30px);box-shadow:0 30px 60px -20px rgba(0,0,0,.55)}
.hero .form-h,.form-h{font-size:1.35rem;margin:0 0 14px;color:var(--ink);text-transform:none;letter-spacing:0}
.lead-form input,.lead-form select{border-radius:var(--r);border:1.5px solid #cfd8df;background:#fbfcfd;min-height:46px}.lead-form input:focus,.lead-form select:focus{outline:3px solid color-mix(in srgb,var(--ac) 35%,transparent);border-color:var(--ac)}
.lead-form label{color:var(--ink)}.lead-form .btn-lg{border-radius:var(--r);min-height:54px}
/* trust strip */
.trust{background:var(--tint);border-bottom:1px solid var(--line)}.trust-in{display:grid;grid-template-columns:repeat(4,1fr);gap:8px 24px;padding-top:18px;padding-bottom:18px}
.trust-in div{display:flex;flex-direction:column;font-size:.86rem;color:var(--mu);line-height:1.35;padding-left:14px;border-left:3px solid var(--ac)}.trust-in strong{color:var(--ink);font-size:.95rem}
@media(max-width:860px){.trust-in{grid-template-columns:1fr 1fr}}@media(max-width:480px){.trust-in{grid-template-columns:1fr}}
/* sections & cards */
.sec{padding:clamp(44px,6vw,76px) 0;border-top:0}.sec:nth-of-type(even){background:var(--tint)}
.sec h2{position:relative;padding-bottom:14px;margin-bottom:22px}.sec h2::after{content:"";position:absolute;left:0;bottom:0;width:54px;height:4px;border-radius:4px;background:var(--cta)}
.cols{gap:20px}.sec .card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--ac);border-radius:var(--r);box-shadow:0 10px 26px -18px rgba(8,30,50,.45);transition:transform .18s,box-shadow .18s}
.sec .card:hover{transform:translateY(-3px);box-shadow:0 18px 34px -18px rgba(8,30,50,.5)}.sec .card h3{font-size:1.15rem}.sec .card p{margin:.4em 0 0;color:var(--mu)}.sec .card a{color:var(--ac);text-decoration-thickness:2px;text-underline-offset:3px;font-weight:700}
ul.ticks{list-style:none;padding:0}.sec ul.ticks li{padding-left:30px;position:relative}.sec ul.ticks li::before{content:"";position:absolute;left:0;top:.42em;width:17px;height:17px;border-radius:50%;background:var(--ac) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/70% no-repeat}
.answer{border-radius:0 var(--r) var(--r) 0}.answer-wrap .answer{background:var(--tint);color:var(--ink)}
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}.gallery figure{margin:0;border-radius:var(--r);overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:0 10px 26px -18px rgba(8,30,50,.5)}
.gallery img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}.gallery figcaption{padding:10px 14px;font-size:.85rem;color:var(--mu)}.gallery figcaption a{color:var(--mu)}
details{border:1px solid var(--line);border-radius:var(--r);padding:4px 18px;margin-bottom:10px;background:#fff}summary{padding:12px 0;color:var(--ink)}
.postcard a{border-radius:var(--r);background:#fff;transition:transform .15s,box-shadow .15s}.postcard a:hover{transform:translateY(-2px);box-shadow:0 14px 28px -18px rgba(8,30,50,.5)}
.prose{font-size:1.04rem}.prose h1{margin-bottom:.4em}
/* footer */
.ftr{background:var(--ink);color:#c9d6e0;border-top:0;margin-top:0;padding:48px 0 36px}.ftr a{color:#fff}.ftr .fine{color:#9fb1c0}.ftr strong{color:#fff}.ftr .sis-h,.ftr .sisters li span{color:#9fb1c0}.sisters{border-color:rgba(255,255,255,.18)}
.ftr-logo{display:block;margin-bottom:18px}.ftr-logo img{height:48px;width:auto;max-width:100%}
@media(max-width:600px){body{font-size:17px}.hero{padding-top:32px}.hero .split{gap:28px}.btn-lg{font-size:1.05rem}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}
.hero::before{background:linear-gradient(100deg,rgba(10,60,55,.86) 0%,rgba(10,60,55,.55) 48%,rgba(10,60,55,.2) 100%)}.sec .card{border-top-width:0;border:2px solid #f0e2bd}.btn{border-radius:999px}.hdr nav a{border-radius:999px}