/* RESET & BASE STYLES */
html, body, div, span, applet, object, iframe,
h1, h2, h3, h4, h5, h6, p, blockquote, pre,
a, abbr, acronym, address, big, cite, code,
del, dfn, em, img, ins, kbd, q, s, samp,
small, strike, strong, sub, sup, tt, var,
b, u, i, center, dl, dt, dd, ol, ul, li,
fieldset, form, label, legend,
table, caption, tbody, tfoot, thead, tr, th, td,
article, aside, canvas, details, embed, 
figure, figcaption, footer, header, hgroup, 
menu, nav, output, ruby, section, summary,
time, mark, audio, video {
  margin: 0; padding: 0; border: 0; font-size: 100%; font: inherit; vertical-align: baseline; box-sizing: border-box;
}
html { height: 100%; scroll-behavior: smooth; }
body { min-height: 100%; font-family: 'Roboto', Arial, sans-serif; font-size: 16px; color: #1a2330; background: #FAFAFA; line-height: 1.7; }
*, *:before, *:after { box-sizing: inherit; }
ul, ol { list-style: none; }
a { text-decoration: none; color: inherit; transition: color 0.3s; }
img { max-width: 100%; height: auto; display: inline-block; }
strong, b { font-weight: 600; }

:root {
  --color-primary: #214F6E;
  --color-secondary: #9EB2C9;
  --color-accent: #F5C144;
  --color-bg: #FAFAFA;
  --color-card-bg: #fff;
  --color-shadow: rgba(33, 79, 110, 0.09);
  --color-footer-bg: #243849;
  --color-light: #fff;
  --color-dark: #1a2330;
  --color-gold: #F5C144;
  --hover-gold: #e6b536;
  --color-input-bg: #F7F8FA;
}

body {
  background: var(--color-bg);
}

.container {
  width: 100%;
  max-width: 1220px;
  margin: 0 auto;
  padding: 0 20px;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  color: var(--color-primary);
  font-weight: 700;
  letter-spacing: 0.02em;
}
h1 {
  font-size: 2.4rem;
  margin-bottom: 24px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.35rem;
  margin-bottom: 16px;
}
h4 {
  font-size: 1.16rem;
  margin-bottom: 10px;
}
p, li, dd {
  font-size: 1rem;
  margin-bottom: 12px;
}
.section p:last-child, .section ul:last-child, .section ol:last-child {
  margin-bottom: 0;
}
.text-section {
  margin-bottom: 40px;
}

/* LINKS & BUTTONS */
a, button {
  font-family: inherit;
  font-weight: 500;
  transition: color 0.2s, background 0.2s, border-color 0.2s, box-shadow 0.2s;
  cursor: pointer;
}
a.cta-primary, .cta-primary, button.cta-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 30px;
  font-size: 1.1rem;
  border-radius: 28px;
  background: var(--color-gold);
  color: var(--color-primary);
  border: none;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 700;
  letter-spacing: 0.01em;
  box-shadow: 0 3px 18px 0 rgba(33, 79, 110, 0.16);
  text-shadow: none;
  margin-top: 16px;
  margin-bottom: 8px;
  transition: background 0.2s, box-shadow 0.2s, color 0.2s;
}
a.cta-primary:hover, .cta-primary:hover, button.cta-primary:hover {
  background: var(--hover-gold);
  color: var(--color-dark);
  box-shadow: 0 6px 26px 0 rgba(33, 79, 110, 0.14);
}

button, .button {
  background: none; color: inherit;
  border: 1.5px solid var(--color-primary);
  padding: 10px 26px;
  border-radius: 24px;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
}
button:hover, .button:hover {
  background: var(--color-primary);
  color: var(--color-light);
  border-color: var(--color-gold);
}

/* HEADER & NAVIGATION */
header {
  background: var(--color-light);
  box-shadow: 0 2px 18px 0 var(--color-shadow);
  position: sticky;
  top: 0;
  z-index: 50;
}
header .container {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  display: flex;
  align-items: center;
  margin-right: 20px;
}
.logo img {
  display: block;
  height: 45px;
  width: auto;
}
nav.main-nav {
  display: flex;
  gap: 22px;
  align-items: center;
}
.main-nav a {
  display: flex;
  align-items: center;
  padding: 7px 0;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  color: var(--color-primary);
  border-bottom: 2px solid transparent;
  position: relative;
  transition: color 0.19s, border-color 0.16s;
}
.main-nav a:hover, .main-nav a:focus {
  color: var(--color-accent);
  border-bottom: 2px solid var(--color-accent);
}
.mobile-menu-toggle {
  display: none;
  background: var(--color-gold);
  border: none;
  color: var(--color-primary);
  font-size: 2.1rem;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  justify-content: center;
  align-items: center;
  transition: background 0.14s, color 0.14s;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: var(--hover-gold);
}

/* MOBILE MENU */
.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(33, 46, 58, 0.92);
  z-index: 200;
  transform: translateX(-100vw);
  transition: transform 0.4s cubic-bezier(.77,0,.18,1);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding-top: 0;
  will-change: transform;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  margin: 32px 0 0 24px;
  background: none;
  border: none;
  color: var(--color-gold);
  font-size: 2.5rem;
  align-self: flex-start;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin: 60px 0 0 36px;
}
.mobile-nav a {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.3rem;
  color: var(--color-light);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.18s, border-color 0.18s;
}
.mobile-nav a:hover {
  color: var(--color-accent);
  border-bottom: 2px solid var(--color-accent);
}

@media (max-width: 1060px) {
  nav.main-nav {
    gap: 15px;
  }
}

@media (max-width: 900px) {
  header .container {
    padding-right: 12px;
    padding-left: 12px;
  }
  .logo img { height: 38px; }
}

@media (max-width: 768px) {
  nav.main-nav { display: none; }
  .cta-primary { display: none; }
  .mobile-menu-toggle { display: flex; }
}

/* MAIN & FLEX LAYOUTS (MANDATORY SPACING) */
main {
  padding-bottom: 46px;
  margin-bottom: 30px;
}
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: var(--color-card-bg);
  border-radius: 18px;
  box-shadow: 0 4px 40px 0 var(--color-shadow);
  margin-bottom: 20px;
  position: relative;
  padding: 26px 24px;
  display: flex;
  flex-direction: column;
  min-width: 280px;
  max-width: 420px;
  border: 1.5px solid #ececec;
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 12px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

.features .feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 18px;
  margin-bottom: 0;
}
.features .feature-grid li {
  background: var(--color-card-bg);
  border-radius: 14px;
  box-shadow: 0 2px 18px 0 var(--color-shadow);
  padding: 30px 26px 26px 26px;
  flex: 1 1 260px;
  min-width: 210px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  border-left: 4px solid var(--color-gold);
  margin-bottom: 12px;
  transition: box-shadow 0.19s;
}
.features .feature-grid li img {
  height: 38px; width: 38px; margin-bottom: 18px;
}
.features .feature-grid li:hover {
  box-shadow: 0 7px 30px 0 var(--color-shadow);
  border-left: 4px solid var(--hover-gold);
}

/* HERO SECTION */
.hero {
  background: linear-gradient(92deg, #fff 78%, var(--color-gold) 120%);
  box-shadow: 0 4px 38px 0 rgba(245, 193, 68, 0.04);
  border-radius: 0 0 32px 32px;
  margin-bottom: 60px;
  padding-top: 48px;
  padding-bottom: 48px;
  min-height: 260px;
}
.hero .content-wrapper {
  align-items: flex-start;
}
.hero h1 {
  color: var(--color-primary);
  font-size: 2.7rem;
  line-height: 1.13;
  margin-bottom: 20px;
}
.hero p {
  color: #405168;
  font-size: 1.18rem;
  margin-bottom: 10px;
}

/* SERVICES, UL LISTS, ETC. */
.services ul,
.features ul:not(.feature-grid) {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 0;
  margin: 0 0 14px 0;
  list-style: none;
}
.services ul li,
.features ul:not(.feature-grid) li {
  background: none;
  font-size: 1.08rem;
  padding-left: 0;
  color: var(--color-primary);
  margin-bottom: 0;
  position: relative;
}
.services ul li:before,
.features ul:not(.feature-grid) li:before {
  content: '';
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--color-gold);
  margin-right: 16px;
  vertical-align: middle;
}

/* TESTIMONIALS */
.testimonials {
  background: #F6F9FC;
  border-radius: 24px;
  box-shadow: 0 4px 32px 0 var(--color-shadow);
  margin-bottom: 60px;
  padding: 42px 19px !important;
}
.testimonials .content-wrapper {
  gap: 28px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 14px;
  padding: 20px 24px;
  background: var(--color-light);
  border-radius: 18px;
  box-shadow: 0 2px 20px 0 var(--color-shadow);
  min-width: 240px;
  max-width: 510px;
  margin-bottom: 20px;
  border-left: 3px solid var(--color-gold);
}
.testimonial-card p {
  color: var(--color-dark);
  font-size: 1.06rem;
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 6px;
}
.testimonial-card h4 {
  color: var(--color-primary);
  font-weight: 700;
  margin-bottom: 0;
  font-size: 1.08rem;
}

/* FOOTER */
footer {
  background: var(--color-footer-bg);
  color: #F5F8FC;
  box-shadow: 0 -4px 28px 0 rgba(33, 79, 110, 0.14);
  border-radius: 26px 26px 0 0;
  padding: 35px 0 28px 0;
  margin-top: 54px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 36px;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-width: 160px;
}
.footer-links a {
  color: #F5C144;
  font-size: 1.04rem;
  font-weight: 500;
  opacity: 0.92;
  transition: color 0.14s, opacity 0.14s;
}
.footer-links a:hover {
  color: #fff6d1;
  opacity: 1;
}
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 7px;
  font-size: 0.98rem;
  min-width: 220px;
  color: #F5F8FC;
}
.contact-info img {
  height: 16px;
  width: 16px;
  margin-right: 8px;
  vertical-align: bottom;
}
.newsletter-signup {
  display: flex;
  flex-direction: column;
  gap: 7px;
  min-width: 208px;
}
.newsletter-signup h4 {
  color: var(--color-gold);
  margin-bottom: 1px;
}
.newsletter-signup p {
  color: #E2E6EC;
  font-size: 0.95rem;
  margin: 0;
}

/* FORMS */
input, textarea, select {
  font-family: 'Roboto', Arial, sans-serif;
  padding: 11px 15px;
  border-radius: 7px;
  border: 1.3px solid #C3D1E2;
  background: var(--color-input-bg);
  font-size: 1rem;
  margin-bottom: 14px;
  transition: border-color 0.18s;
  width: 100%;
  color: var(--color-dark);
}
input:focus, textarea:focus, select:focus {
  border-color: var(--color-gold);
  outline: none;
}

/* DL/DT/DD FAQ */
dt {
  font-weight: 700;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  margin-bottom: 3px;
  color: var(--color-primary);
}
dd {
  margin-left: 0;
  margin-bottom: 11px;
}

/* RESPONSIVE LAYOUTS */
@media (max-width: 1020px) {
  .container { max-width: 99vw; }
  .features .feature-grid { gap: 16px; }
  footer .container { gap: 22px; }
}

@media (max-width: 900px) {
  .footer-links, .contact-info, .newsletter-signup {
    min-width: 160px !important;
  }
  .testimonials {
    padding: 32px 10px !important;
  }
}

@media (max-width: 768px) {
  main {
    padding-bottom: 12px;
  }
  .section, section {
    margin-bottom: 34px;
    padding: 27px 6px;
  }
  .container {
    padding: 0 6px;
  }
  .footer-links, .contact-info, .newsletter-signup {
    min-width: 0 !important;
    width: 100%;
  }
  footer .container {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
  .features .feature-grid, .card-container, .content-grid {
    flex-direction: column;
    gap: 20px;
  }
  .text-image-section {
    flex-direction: column;
    gap: 18px;
    align-items: stretch;
  }
  .hero {
    padding-top: 26px;
    padding-bottom: 24px;
    border-radius: 0 0 18px 18px;
    min-height: 95px;
  }
  .hero h1 {
    font-size: 1.54rem;
  }
  .hero p {
    font-size: 1.01rem;
  }
}

@media (max-width: 475px) {
  h1 { font-size: 1.2rem; }
  h2 { font-size: 1rem; }
  .section, section { padding: 12px 2px; }
  .hero { border-radius: 0 0 14px 14px; }
}

/* COOKIE CONSENT BANNER & MODAL */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0;
  width: 100vw;
  background: var(--color-card-bg);
  color: var(--color-dark);
  box-shadow: 0 -2px 18px 0 var(--color-shadow);
  padding: 24px 20px 20px 20px;
  display: flex;
  flex-direction: column;
  z-index: 1000;
  gap: 10px;
  border-top: 3px solid var(--color-gold);
  transition: transform 0.35s cubic-bezier(.83,0,.26,1);
  transform: translateY(100%);
}
.cookie-banner.visible {
  transform: translateY(0);
}
.cookie-banner .cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 6px;
}
.cookie-banner button {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  padding: 10px 22px;
  font-size: 1rem;
  border-radius: 20px;
  border: 1.5px solid var(--color-primary);
  cursor: pointer;
  transition: background 0.18s, color 0.17s;
  background: var(--color-gold);
  color: var(--color-primary);
  margin-right: 5px;
}
.cookie-banner button.accept {
  background: var(--color-gold);
  border-color: var(--color-primary);
  color: var(--color-primary);
  font-weight: 600;
}
.cookie-banner button.accept:hover {
  background: var(--hover-gold);
}
.cookie-banner button.reject {
  background: var(--color-light);
  color: var(--color-primary);
  border-color: var(--color-secondary);
}
.cookie-banner button.reject:hover {
  background: var(--color-secondary);
  color: var(--color-dark);
}
.cookie-banner button.settings {
  background: var(--color-light);
  color: var(--color-primary);
  border-color: var(--color-accent);
}
.cookie-banner button.settings:hover {
  background: var(--color-accent);
  color: var(--color-primary);
}

/* COOKIE MODAL */
.cookie-modal {
  position: fixed;
  top: 0; left: 0; width: 100vw; height: 100vh;
  background: rgba(33, 46, 58, 0.65);
  display: flex;
  align-items: center; justify-content: center;
  z-index: 2100;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.23s;
}
.cookie-modal.visible {
  opacity: 1; pointer-events: all;
}
.cookie-modal .modal-content {
  background: var(--color-card-bg);
  border-radius: 22px;
  min-width: 330px;
  max-width: 95vw;
  padding: 34px 26px 24px 26px;
  box-shadow: 0 8px 48px 0 var(--color-shadow);
  display: flex; flex-direction: column;
  gap: 17px;
  position: relative;
}
.cookie-modal .modal-close {
  position: absolute;
  top: 18px; right: 18px;
  background: none;
  border: none;
  font-size: 2.2rem;
  color: var(--color-gold);
  cursor: pointer;
  z-index: 5;
}
.cookie-modal h3 {
  color: var(--color-primary);
  font-size: 1.4rem;
  margin-bottom: 12px;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  margin-bottom: 14px;
  gap: 13px;
}
.cookie-modal label {
  font-size: 1rem;
  font-weight: 500;
  color: var(--color-primary);
  cursor: pointer;
}
.cookie-modal input[type=checkbox] {
  accent-color: var(--color-gold);
  width: 20px;
  height: 20px;
}
.cookie-modal .essential {
  color: var(--color-gold);
  font-weight: 600;
}
.cookie-modal .cookie-modal-actions {
  display: flex;
  gap: 16px;
  margin-top: 12px;
}
.cookie-modal button {
  padding: 10px 21px;
  color: var(--color-primary);
  background: var(--color-gold);
  border: 1.4px solid var(--color-primary);
  border-radius: 19px;
  cursor: pointer;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
}
.cookie-modal button:hover { background: var(--hover-gold); color: var(--color-dark); }

@media (max-width: 540px) {
  .cookie-modal .modal-content { min-width: 85vw; padding: 21px 9px; border-radius: 12px; }
}

/* MISC & MICRO-INTERACTIONS */
.card, .features .feature-grid li, .testimonial-card {
  transition: box-shadow 0.2s, border-color 0.19s, transform 0.18s;
}
.card:hover, .features .feature-grid li:hover, .testimonial-card:hover {
  transform: translateY(-3px) scale(1.012);
  box-shadow: 0 10px 32px 0 rgba(245, 193, 68, 0.13);
  border-left: 4px solid var(--color-gold);
}
.button, button, a.cta-primary {
  transition: box-shadow 0.14s, background 0.17s, color 0.17s, transform 0.17s;
}
.button:active, button:active, a.cta-primary:active {
  transform: scale(0.97);
}

input:focus, textarea:focus {
  box-shadow: 0 0 5px 1.5px var(--color-accent);
}

::selection {
  background: var(--color-gold);
  color: var(--color-dark);
}

/* ENSURE CONSISTENT FLEX SPACING IN ALL CARDS/SECTIONS */
.section > *, .section > .container > *, section > *, section > .container > * {
  margin-bottom: 20px;
}
.section > *:last-child, .section > .container > *:last-child,
section > *:last-child, section > .container > *:last-child {
  margin-bottom: 0 !important;
}

/* ACCESSIBLE FOCUS STATES */
:focus-visible {
  outline: 2px solid var(--color-gold);
  outline-offset: 1px;
}
.main-nav a:focus-visible, .footer-links a:focus-visible, 
.mobile-nav a:focus-visible, .cta-primary:focus-visible {
  outline: 2px solid var(--color-gold);
  outline-offset: 5px;
}

/* Utility classes (optional use in HTML for alignment) */
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }

/* HIDE/SHOW for JS animations (ensure .hidden can hide banners/menus) */
.hidden { display: none !important; }

/* END OF CSS */