/* 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 {
  box-sizing: border-box;
  font-size: 16px;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  color: #14213D;
  background-color: #f7f9fb;
  line-height: 1.65;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  font-size: 1rem;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
a {
  color: #14213D;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #FCA311;
  text-decoration: underline;
}
ul { list-style: none; }
ol { padding-left: 1.4em; }
ol li { margin-bottom: 0.75em; }

section {
  margin-bottom: 60px;
  padding: 40px 20px;
}

.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 16px;
}

.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* TYPOGRAPHY */
h1, .content-wrapper > h1 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: #14213D;
  line-height: 1.1;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}
h2, .content-wrapper > h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2rem;
  font-weight: 600;
  color: #14213D;
  margin-bottom: 12px;
}
h3, .content-wrapper > h3 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: #223254;
  margin-bottom: 8px;
}
h4, .content-wrapper > h4 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.1rem;
  font-weight: 500;
  color: #223254;
}
p {
  font-size: 1.125rem;
  line-height: 1.7;
  color: #223254;
  margin-bottom: 10px;
}
strong { font-weight: 600; color: #14213D; }
small { color: #9199ad; font-size: 0.94em; }

/* BUTTONS & CTA */
.cta,
button, input[type="submit"] {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  display: inline-block;
  background: #14213D;
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 0.7em 2.1em;
  font-size: 1.125rem;
  font-weight: 600;
  cursor: pointer;
  outline: none;
  transition: background 0.22s, box-shadow 0.22s, color 0.15s;
  box-shadow: 0 2px 10px rgba(20, 33, 61, 0.06);
  margin-top: 12px;
}
.cta.primary,
button.primary {
  background: #14213D;
  color: #fff;
}
.cta.primary:hover,
button.primary:hover {
  background: #223254;
  color: #FCA311;
  box-shadow: 0 4px 16px rgba(20, 33, 61, 0.12);
}
.cta.secondary,
button.secondary {
  background: #FCA311;
  color: #14213D;
}
.cta.secondary:hover,
button.secondary:hover {
  background: #ffe7c1;
  color: #223254;
}

/* HEADER + NAVIGATION STYLES */
header {
  width: 100%;
  background: #fff;
  box-shadow: 0 2px 8px rgba(20,33,61,0.06);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 1050;
}
header nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-start;
  gap: 32px;
  padding: 0.75em 0;
  font-size: 1rem;
}
header nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #14213D;
  padding: 8px 12px;
  border-radius: 4px;
  transition: color 0.15s, background 0.2s;
  font-weight: 500;
  font-size: 1.05em;
}
header nav a.cta.primary {
  margin-left: auto;
}
header nav a:hover {
  background: #f1f5fa;
  color: #FCA311;
}
header nav a.cta.primary {
  background: #FCA311;
  color: #14213D;
  font-weight: 700;
  letter-spacing: 0.5px;
  box-shadow: 0 2px 8px rgba(252, 163, 17, 0.06);
  padding: 10px 20px;
}
header nav a.cta.primary:hover {
  background: #fff;
  color: #FCA311;
  border: 1.5px solid #FCA311;
}
header nav img {
  height: 42px; width: auto; display: block;
}
button.mobile-menu-toggle {
  display: none;
  background: #14213D;
  color: #fff;
  border: none;
  font-size: 2rem;
  border-radius: 6px;
  padding: 6px 16px;
  margin-left: 8px;
  cursor: pointer;
  transition: background 0.13s;
  z-index: 1202;
}
button.mobile-menu-toggle:active,
button.mobile-menu-toggle:focus {
  background: #223254;
}

/* MOBILE NAVIGATION (Burger Menu) */
.mobile-menu {
  position: fixed;
  top: 0; right: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(20, 33, 61, 0.97);
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  justify-content: flex-start;
  padding: 0;
  z-index: 2000;
  pointer-events: none;
  opacity: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: auto;
  opacity: 1;
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.2rem;
  padding: 16px 28px 8px 0;
  cursor: pointer;
  margin-right: 4px;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  width: 100vw;
  margin-top: 18px;
  align-items: center;
}
.mobile-nav a {
  color: #fff;
  font-weight: 500;
  font-size: 1.28rem;
  letter-spacing: 1.5px;
  padding: 16px 0;
  width: 80vw;
  text-align: center;
  background: none;
  border-radius: 6px;
  transition: background 0.18s, color 0.18s;
  display: block;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: #223254;
  color: #FCA311;
}

/* HERO SECTION */
.hero-section {
  background: linear-gradient(90deg, #e9ecf3 20%, #f7f9fb 100%);
  margin-bottom: 60px;
  padding: 56px 0 56px 0;
  box-shadow: 0 2px 10px rgba(20,33,61,0.04);
}
.hero-section .content-wrapper {
  align-items: flex-start;
  gap: 20px;
}
.hero-section h1 {
  font-size: 2.4rem;
  margin-bottom: 8px;
}
.hero-section p {
  font-size: 1.2rem;
  color: #384968;
}
.hero-section .cta {
  margin-top: 16px;
}

/* GENERAL FLEX HELPERS */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(20,33,61,0.07);
  margin-bottom: 20px;
  padding: 30px 28px;
  position: relative;
  transition: box-shadow 0.22s, transform 0.20s;
}
.card:hover {
  box-shadow: 0 8px 32px rgba(20,33,61,0.13);
  transform: translateY(-2px) scale(1.012);
}
.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;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
  background: #f7fafd;
  box-shadow: 0 2px 8px rgba(30, 34, 55, 0.08);
  border: 1px solid #dee3eb;
  border-radius: 10px;
  padding: 20px;
  margin-bottom: 24px;
  max-width: 620px;
  transition: box-shadow 0.15s;
}
.testimonial-card:hover {
  box-shadow: 0 8px 32px rgba(30,34,55,0.12);
}
.testimonial-card p {
  color: #223254;
  font-size: 1.13rem;
}
.testimonial-card span {
  font-weight: 600;
  color: #384968;
  font-size: .99rem;
  margin-top: 2px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  margin-top: 28px;
}
.feature-grid > div {
  border-radius: 9px;
  background: #fff;
  box-shadow: 0 2px 8px rgba(20,33,61,0.07);
  padding: 28px 22px 18px 22px;
  width: 240px;
  min-height: 230px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.13s, transform 0.13s;
}
.feature-grid > div:hover {
  box-shadow: 0 8px 28px rgba(20,33,61,0.14);
  transform: translateY(-3px);
}
.feature-grid img {
  width: 48px;
  margin-bottom: 12px;
}

/* LISTS & TEXT SECTIONS */
ul, ol {
  margin-bottom: 1.6em;
}
ul li, ol li {
  margin-bottom: 0.7em;
  padding-left: 0em;
  color: #223254;
  font-size: 1.09rem;
  display: flex;
  align-items: center;
  gap: 10px;
}
ul li img {
  width: 22px;
  margin-right: 10px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.text-section ul {
  margin-top: 6px;
}

/* CTA SECTIONS */
.cta-section {
  background: #14213D;
  color: #fff;
  border-radius: 18px;
  box-shadow: 0 6px 24px rgba(20,33,61,0.08);
  margin-bottom: 60px;
  padding: 44px 20px 44px 20px;
}
.cta-section .content-wrapper {
  align-items: center;
  text-align: center;
  gap: 20px;
}
.cta-section h2, .cta-section h1 {
  color: #fff;
}
.cta-section p, .cta-section ul {
  color: #e7ebf6;
}
.cta-section .cta.primary {
  background: #FCA311;
  color: #14213D;
  margin-top: 18px;
}
.cta-section .cta.primary:hover {
  background: #fff;
  color: #FCA311;
}

/* FOOTER */
footer {
  background: #223254;
  color: #fff;
  padding: 0;
  box-shadow: 0 -2px 12px rgba(20,33,61,0.10);
}
footer .container {
  padding: 0 16px;
}
footer .content-wrapper {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  padding: 36px 0 24px 0;
}
footer nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 0;
}
footer nav a {
  color: #fff;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  padding: 2px 0;
  transition: color 0.16s;
}
footer nav a:hover {
  color: #FCA311;
  text-decoration: underline;
}
footer img {
  height: 42px;
  margin-bottom: 12px;
}
footer .legal {
  margin-top: 18px;
  flex-basis: 100%;
}
footer small {
  color: #B2BCD4;
}
footer span {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.02rem;
  color: #fff;
  margin-right: 8px;
}
footer a img {
  display: inline-block;
  margin-right: 9px;
  filter: brightness(0) invert(1);
  transition: filter 0.18s;
}
footer a img:hover { filter: contrast(0.8) saturate(1.5); }

/* COOKIE CONSENT BANNER */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: #ffffff;
  box-shadow: 0 -2px 16px rgba(20,33,61,0.13);
  z-index: 2400;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  padding: 28px 6vw 20px 6vw;
  transition: transform 0.32s cubic-bezier(0.4,0,0.2,1), opacity 0.24s;
  opacity: 1;
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
  transform: translateY(56px);
}
.cookie-banner .cookie-text {
  color: #14213D;
  font-size: 1rem;
  flex: 1 1 0%;
}
.cookie-banner .cookie-actions {
  display: flex;
  flex-direction: row;
  gap: 16px;
  align-items: center;
}
.cookie-banner button {
  padding: 10px 22px;
  font-size: 1rem;
  border-radius: 5px;
  border: none;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  cursor: pointer;
  font-weight: 600;
  margin: 0;
  transition: background 0.15s, color 0.15s;
}
.cookie-banner .accept {
  background: #14213D;
  color: #fff;
}
.cookie-banner .accept:hover {
  background: #223254;
  color: #FCA311;
}
.cookie-banner .reject {
  background: #E5EAF1;
  color: #223254;
}
.cookie-banner .reject:hover {
  background: #FFEEE0;
  color: #FCA311;
}
.cookie-banner .settings {
  background: #FCA311;
  color: #14213D;
}
.cookie-banner .settings:hover {
  background: #fff;
  color: #FCA311;
}

/* COOKIE MODAL */
.cookie-modal-backdrop {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(20,33,61,0.60);
  z-index: 2500;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.25s;
}
.cookie-modal-backdrop.active {
  pointer-events: auto;
  opacity: 1;
}
.cookie-modal {
  background: #fff;
  border-radius: 14px;
  max-width: 380px;
  width: 95vw;
  padding: 36px 26px 24px 26px;
  box-shadow: 0 4px 32px rgba(20,33,61,0.22);
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
  animation: popIn 0.25s cubic-bezier(0.42,0,0.29,1.07);
}
@keyframes popIn {
  from { transform: scale(0.92); opacity: 0.5; }
  to { transform: scale(1); opacity: 1; }
}
.cookie-modal h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.22rem;
  color: #14213D;
  margin-bottom: 10px;
  font-weight: 700;
}
.cookie-modal label {
  display: flex;
  align-items: center;
  margin: 8px 0;
  font-size: 1.05rem;
}
.cookie-modal input[type="checkbox"] {
  accent-color: #14213D;
  margin-right: 12px;
}
.cookie-modal .modal-actions {
  display: flex;
  flex-direction: row;
  justify-content: flex-end;
  gap: 16px;
  margin-top: 14px;
}
.cookie-modal .close-modal {
  position: absolute;
  top: 12px; right: 18px;
  background: none;
  color: #14213D;
  font-size: 1.5rem;
  border: none;
  cursor: pointer;
  line-height: 1;
}

/* == RESPONSIVE DESIGN == */
@media (max-width: 1024px) {
  .feature-grid > div { width: 48%; min-width: 205px; }
  .content-wrapper, .feature-grid, .card-container, .content-grid {
    gap: 14px;
  }
}
@media (max-width: 900px) {
  .feature-grid {
    flex-direction: column;
    gap: 20px;
  }
  .feature-grid > div { width: 100%; min-width: unset; }
  footer .content-wrapper {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
}
@media (max-width: 768px) {
  html { font-size: 15px; }
  .container { padding: 0 8px; }
  section, .cta-section {
    padding: 28px 8px;
    margin-bottom: 34px;
  }
  .hero-section { padding: 32px 0 38px 0; }
  .content-wrapper {
    gap: 16px;
  }
  .content-grid,
  .card-container,
  .feature-grid,
  .text-image-section {
    flex-direction: column !important;
    gap: 14px;
    align-items: stretch;
  }
  .testimonial-card {
    padding: 16px 7px;
    max-width: 100%;
    font-size: 1rem;
  }
  header nav {
    display: none !important;
  }
  button.mobile-menu-toggle {
    display: block;
    position: absolute;
    top: 18px; right: 18px;
  }
  footer .content-wrapper {
    gap: 16px;
    align-items: flex-start;
    flex-direction: column;
  }
  .cookie-banner {
    flex-direction: column;
    align-items: stretch;
    padding: 18px 4vw 12px 4vw;
    gap: 12px;
  }
  .cookie-banner .cookie-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
  }
}

@media (max-width: 480px) {
  html { font-size: 14px; }
  .cta, button, input[type="submit"] {
    font-size: 1rem;
    padding: 0.7em 1.2em;
  }
  .hero-section h1, h1 {
    font-size: 1.45rem;
  }
}

/* VISUAL & MICRO-INTERACTION EFFECTS */
section, .cta-section,
.card, .testimonial-card, .feature-grid > div {
  transition: box-shadow 0.20s, transform 0.16s;
}
button, .cta, .cookie-banner button,
.mobile-menu-toggle, .mobile-menu-close {
  transition: background 0.16s, color 0.17s, box-shadow 0.15s;
}
.card:active, .testimonial-card:active, .feature-grid > div:active {
  transform: translateY(1px) scale(0.99);
}

/* FORMS (if any present) */
input, select, textarea {
  padding: 10px 12px;
  font-size: 1rem;
  border-radius: 5px;
  border: 1.5px solid #dee3eb;
  outline: none;
  margin-bottom: 18px;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
}
input:focus, select:focus, textarea:focus {
  border-color: #FCA311;
  background: #f1f5fa;
}
label {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 500;
  color: #223254;
  margin-bottom: 5px;
}

/* CUSTOM FLEXBOXS - UTILITY CLASSES */
.flex-row { display: flex; flex-direction: row; gap: 14px; }
.flex-col { display: flex; flex-direction: column; gap: 14px; }
.align-center { align-items: center; }
.space-between { justify-content: space-between; }
.gap-20 { gap: 20px; }

/* OVERRIDES FOR LIST/STEP ELEMENTS */
ol {
  margin-bottom: 2em;
}
ol li {
  font-size: 1.11rem;
  margin-bottom: .95em;
  color: #223254;
}


/* ---- END CSS ---- */