/* CSS RESET & NORMALIZE */
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 {
  margin: 0;
  padding: 0;
  border: 0;
  font-size: 100%;
  font: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  box-sizing: border-box;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  line-height: 1.6;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  background: #F7F9FB;
  color: #1B2231;
  min-height: 100vh;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
a {
  color: #25487E;
  text-decoration: none;
  transition: color .2s;
}
a:hover {
  color: #F5A623;
}
ul, ol {
  padding-left: 24px;
}
button {
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: inherit;
}
/* BRAND COLORS */
:root {
  --primary: #25487E;
  --primary-dark: #1B3760;
  --secondary: #F5A623;
  --secondary-dark: #d48b16;
  --gray-light: #F4F7FA;
  --gray-med: #E2E6ED;
  --gray-dark: #AAB7C8;
  --accent: #FFFFFF;
  --body: #1B2231;
  --shadow: 0 2px 10px 0 rgba(37, 72, 126, 0.07);
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #25487E;
  letter-spacing: 0.01em;
  font-weight: 700;
}
h1 {
  font-size: 2.5rem;
  margin-bottom: 16px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 16px;
}
h3 {
  font-size: 1.4rem;
  margin-bottom: 10px;
}
h4 {
  font-size: 1.125rem;
  margin-bottom: 8px;
}
p, li, dd {
  font-size: 1rem;
  color: #28334c;
  margin-bottom: 8px;
}
strong, b {
  font-weight: 700;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 15px;
}

/* GENERAL SPACING & CONTAINERS */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: var(--accent);
  border-radius: 18px;
  box-shadow: var(--shadow);
}
.content-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
  align-items: flex-start;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: var(--gray-light);
  border-radius: 12px;
  box-shadow: var(--shadow);
  margin-bottom: 20px;
  position: relative;
  padding: 28px 24px;
  min-width: 260px;
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  border-radius: 12px;
  background: #FFFFFF;
  box-shadow: var(--shadow);
  margin-bottom: 20px;
  border: 1px solid #E2E6ED;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #f4f7fa;
  padding: 18px 16px;
  border-radius: 8px;
  box-shadow: var(--shadow);
  margin-bottom: 24px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}

/* HEADER & NAVIGATION */
header {
  width: 100%;
  background: var(--accent);
  box-shadow: 0 1px 8px rgba(37, 72, 126, 0.05);
  position: sticky;
  top: 0;
  z-index: 1005;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 20px;
}
.logo img {
  height: 38px;
}
.main-nav {
  display: flex;
  gap: 20px;
}
.main-nav a {
  color: #25487E;
  font-weight: 500;
  font-size: 1rem;
  padding: 8px 4px;
  transition: color .2s, border-bottom .2s;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover, .main-nav a:focus {
  color: #F5A623;
  border-bottom: 2px solid #F5A623;
  outline: none;
}
.cta-primary {
  background: var(--primary);
  color: #fff !important;
  border: none;
  padding: 12px 28px;
  font-size: 1.09rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: bold;
  border-radius: 32px;
  margin-left: 24px;
  box-shadow: 0 2px 6px rgba(37,72,126,0.06);
  transition: background .2s, transform .1s;
  display: inline-block;
  cursor: pointer;
  text-align: center;
}
.cta-primary:hover, .cta-primary:focus {
  background: var(--secondary);
  color: #25487E;
  transform: translateY(-2px) scale(1.03);
  outline: none;
}
.mobile-menu-toggle {
  display: none;
  min-width: 44px;
  min-height: 44px;
  color: #25487E;
  font-size: 2rem;
  background: transparent;
  border-radius: 6px;
  border: 2px solid transparent;
  transition: background .2s, border .2s;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #f4f7fa;
  border: 2px solid #b2c3dd;
}

/* MOBILE MENU OVERLAY */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; width: 100vw; height: 100vh;
  background: rgba(37, 72, 126, 0.96);
  z-index: 1100;
  transform: translateX(-100%);
  opacity: 0;
  pointer-events: none;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  transition: transform .33s cubic-bezier(.7, 0, .37, 1), opacity .3s;
}
.mobile-menu.open {
  transform: translateX(0);
  opacity: 1;
  pointer-events: all;
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 18px 28px 8px 0;
  background: none;
  color: #fff;
  font-size: 2rem;
  border-radius: 6px;
  border: 2px solid transparent;
  transition: background .2s, border .2s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #1B3760;
  border: 2px solid #fff;
  outline: none;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  padding: 32px;
}
.mobile-nav a {
  color: #fff;
  font-size: 1.3rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  padding: 14px 12px;
  border-radius: 8px;
  transition: background .2s, color .2s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: var(--secondary);
  color: #25487E;
  outline: none;
}

/* MAIN & SECTIONS */
main {
  min-height: 50vh;
}
section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: var(--accent);
  border-radius: 18px;
  box-shadow: var(--shadow);
}
section:last-of-type {
  margin-bottom: 0;
}

/* FEATURES LISTING */
.content-wrapper ul {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  list-style: none;
}
.content-wrapper ul li {
  min-width: 220px;
  max-width: 360px;
  background: var(--gray-light);
  border-radius: 10px;
  box-shadow: var(--shadow);
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}
.content-wrapper ul li img {
  width: 32px;
  height: 32px;
  margin-bottom: 4px;
}

/* BLOG FEATURED POSTS */
.content-wrapper article {
  background: var(--gray-light);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 24px 18px 20px 18px;
  min-width: 220px;
  max-width: 360px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  margin-bottom: 20px;
  position: relative;
  transition: box-shadow .17s, transform .13s;
}
.content-wrapper article:hover {
  box-shadow: 0 5px 24px rgba(37,72,126,0.13);
  transform: translateY(-2px) scale(1.01);
}
.content-wrapper article a {
  margin-top: 16px;
  color: var(--primary);
  font-weight: 600;
  transition: color .2s;
}
.content-wrapper article a:hover {
  color: var(--secondary);
}

/* FAQ ACCORDION (dt/dd) */
dt {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.08rem;
  font-weight: 600;
  margin-top: 18px;
  color: #25487E;
}
dd {
  margin-left: 0;
  margin-bottom: 18px;
  color: #28334c;
  font-size: 1rem;
  background: #F4F7FA;
  padding: 14px 15px;
  border-radius: 8px;
}

/* FOOTER */
footer {
  background: #1B2231;
  color: #fff;
  padding: 38px 0 18px 0;
  margin-top: 56px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
}
.logo-footer img {
  height: 40px;
}
.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.footer-nav a {
  color: #fff;
  font-size: 0.97rem;
  transition: color .2s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: var(--secondary);
  outline: none;
}
.footer-contact {
  font-size: 0.98rem;
  color: #e2e6ed;
}
.footer-contact img {
  width: 16px;
  height: 16px;
  display: inline;
  vertical-align: sub;
  margin-right: 3px;
}

/* COOKIE CONSENT BANNER */
.cookie-consent-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: rgba(37,72,126,0.97);
  color: #FFF;
  z-index: 1200;
  box-shadow: 0 -2px 11px rgba(37, 72, 126, 0.14);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 24px;
  justify-content: space-between;
  padding: 22px 20px;
  font-size: 1rem;
  animation: slideUp 0.36s cubic-bezier(.56,.01,.28,.99);
}
@keyframes slideUp {
  from { transform: translateY(100%); opacity: .67; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-consent-banner .cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}
.cookie-btn {
  border-radius: 28px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 9px 26px;
  border: none;
  transition: background .19s, color .19s, box-shadow .12s;
  margin-left: 0;
  margin-right: 0;
  box-shadow: var(--shadow);
  cursor: pointer;
}
.cookie-btn.accept {
  background: var(--secondary);
  color: #25487E;
}
.cookie-btn.accept:hover, .cookie-btn.accept:focus {
  background: #ffd889;
  color: #1B3760;
}
.cookie-btn.reject {
  background: #1B2231;
  color: #FFF;
  border: 1px solid #e2e6ed;
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #AAB7C8;
  color: #25487E;
}
.cookie-btn.settings {
  background: #e2e6ed;
  color: #25487E;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: #F5A623;
  color: #fff;
}

/* COOKIE MODAL / PREFERENCES */
.cookie-modal {
  position: fixed;
  bottom: 50px;
  left: 50%;
  transform: translateX(-50%);
  background: #f4f7fa;
  color: #25487E;
  border-radius: 18px;
  box-shadow: 0 6px 32px rgba(37,72,126,0.18);
  z-index: 1350;
  width: 94vw;
  max-width: 430px;
  padding: 30px 28px 24px;
  display: none;
  flex-direction: column;
  gap: 18px;
  animation: fadeInPanel .3s;
}
.cookie-modal.active {
  display: flex;
}
@keyframes fadeInPanel {
  from { opacity: 0; transform: translateX(-50%) scale(0.93); }
  to { opacity: 1; transform: translateX(-50%) scale(1); }
}
.cookie-modal h3 {
  font-size: 1.22rem;
  margin-bottom: 8px;
  color: #25487E;
}
.cookie-modal .cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
  background: #fff;
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 1.01rem;
  color: #253150;
  box-shadow: var(--shadow);
}
.cookie-category .toggle-btn {
  margin-left: auto;
  width: 42px;
  height: 22px;
  border-radius: 22px;
  background: #b2c3dd;
  position: relative;
  cursor: pointer;
  transition: background .2s;
  border: none;
}
.cookie-category .toggle-btn[aria-checked="true"] {
  background: var(--secondary);
}
.cookie-category .toggle-knob {
  position: absolute;
  top: 2px; left: 2px;
  width: 18px;
  height: 18px;
  background: #fff;
  border-radius: 50%;
  box-shadow: 0 1.5px 4px rgba(0,0,0,0.08);
  transition: left .2s;
}
.cookie-category .toggle-btn[aria-checked="true"] .toggle-knob {
  left: 22px;
}
.cookie-modal .modal-actions {
  margin-top: 20px;
  display: flex;
  gap: 14px;
  justify-content: flex-end;
}
.cookie-modal .modal-actions .cookie-btn {
  min-width: 112px;
}
.cookie-modal .modal-close {
  position: absolute;
  top: 12px;
  right: 20px;
  color: #25487E;
  font-size: 1.5rem;
  background: transparent;
  border: none;
  cursor: pointer;
}
.cookie-modal .modal-close:focus {
  color: var(--secondary);
  outline: none;
}
.cookie-category .category-info {
  font-size: 0.97rem;
  color: #4c5870;
  margin-left: 6px;
}

/* UTILITY CLASSES */
.gap-8 { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }
.m-b-20 { margin-bottom: 20px; }
.m-b-40 { margin-bottom: 40px; }
.m-b-60 { margin-bottom: 60px; }
.m-t-28 { margin-top: 28px; }
.text-center { text-align: center; }

/* TABLES (legal pages) */
table {
  width: 100%;
  border-collapse: collapse;
  margin: 26px 0;
  font-size: 1rem;
}
thead {
  background: #25487E;
  color: #fff;
}
th, td {
  padding: 12px 18px;
  border-bottom: 1px solid #e2e6ed;
}
th {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1.05rem;
}

/* SHADOWS & HOVER FOR CARDS */
.card, .feature-item, .content-wrapper ul li {
  transition: box-shadow .18s, transform .14s;
}
.card:hover, .feature-item:hover, .content-wrapper ul li:hover {
  box-shadow: 0 6px 20px rgba(37,72,126,0.11);
  transform: translateY(-3px) scale(1.02);
}

/* FORMS (contact page extensions) */
input, textarea, select {
  width: 100%;
  padding: 12px 9px;
  background: #f4f7fa;
  border: 1px solid #aab7c8;
  border-radius: 8px;
  font-size: 1rem;
  margin-bottom: 18px;
  transition: border .2s;
}
input:focus, textarea:focus, select:focus {
  border: 1.7px solid var(--primary);
  outline: none;
}
label {
  font-weight: 600;
  margin-bottom: 4px;
  display: block;
  font-size: 1.02rem;
  color: #25487E;
}

/* TEXT LINKS IN CTA */
.text-section a {
  color: var(--primary);
  text-decoration: underline;
  font-weight: 600;
}
.text-section a:hover {
  color: var(--secondary);
}

/* --- RESPONSIVE DESIGN --- */
@media (max-width: 1200px) {
  .container {
    max-width: 990px;
    padding: 0 12px;
  }
  header .container {
    padding-left: 12px;
    padding-right: 12px;
  }
}
@media (max-width: 870px) {
  .container, footer .container {
    flex-direction: column;
    gap: 19px;
    align-items: flex-start;
    padding-left: 6px;
    padding-right: 6px;
  }
  header .container {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
  .footer-nav, .footer-contact {
    margin-left: 0;
  }
}
@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.325rem; }
  h3 { font-size: 1.075rem; }
  .container {
    max-width: 99vw;
    padding: 0 7px;
  }
  section {
    padding: 26px 7px;
    margin-bottom: 36px;
  }
  .content-wrapper {
    flex-direction: column;
    gap: 20px;
    align-items: stretch;
  }
  .main-nav {
    display: none;
  }
  .cta-primary {
    margin-left: 10px;
    padding: 9px 18px;
    font-size: 1rem;
  }
  .mobile-menu-toggle {
    display: block;
  }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
  .card, .card-content, .feature-item, .content-wrapper ul li, .testimonial-card, .content-wrapper article {
    min-width: 0;
    max-width: 100%;
    width: 100%;
  }
  .cookie-consent-banner {
    flex-direction: column;
    gap: 10px;
    padding: 18px 4px;
    font-size: .99rem;
  }
  .mobile-nav {
    padding: 18px 8px;
    gap: 15px;
  }
}
@media (max-width: 500px) {
  h1 { font-size: 1.36rem; }
  h2 { font-size: 1rem; }
  .footer-contact {
    font-size: 0.92rem;
  }
  .cookie-modal {
    max-width: 96vw;
    padding: 20px 7px 14px;
  }
}

/* --- ACCESSIBILITY AND FOCUS --- */
a:focus, button:focus, .mobile-menu-close:focus, .cookie-btn:focus, input:focus, textarea:focus {
  outline: 2px dashed var(--secondary);
  outline-offset: 1.5px;
}

/* --- MICRO-INTERACTIONS & TRANSITIONS --- */
.content-wrapper a, .footer-nav a, .mobile-nav a, .cta-primary, .cookie-btn {
  transition: color .16s, background .18s, box-shadow .13s, border .15s, transform .13s;
}
.card, .testimonial-card, .feature-item, .content-wrapper article {
  transition: box-shadow .16s, transform .15s;
}
.testimonial-card strong {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #25487E;
  font-size: 1.06rem;
}

/* --- VISUAL HIERARCHY SPACING & SHADOWS --- */
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container, .content-wrapper ul, .content-grid {
  gap: 24px;
  margin-bottom: 0;
}
.card, .testimonial-card, .feature-item, .content-wrapper article {
  margin-bottom: 20px;
}

/* ENSURE NO ELEMENT OVERLAPS */
.card, .testimonial-card, .feature-item, section, .container, .content-wrapper, .mobile-menu, .cookie-consent-banner, .cookie-modal {
  z-index: auto;
}

/* HIDE/SHOW util for scripting (main.js) */
.d-none, .hidden {
  display: none!important;
  visibility: hidden!important;
}

/* Remove list-style in .footer-nav */
.footer-nav {
  list-style: none;
  padding: 0;
}