/* CSS 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,
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 {
  font-size: 16px;
  scroll-behavior: smooth;
}
body {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  background: #f8f9fb;
  color: #161a42;
  line-height: 1.65;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #274472; text-decoration: none; transition: color 0.2s; }
a:hover, a:focus { color: #ffd166; }
ul { list-style: disc inside; }
strong { font-weight: 700; }

/* BRAND FONTS */
h1, h2, h3, .btn-primary, .main-nav a, .footer-nav a, .mobile-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 800;
  letter-spacing: -0.02em;
}
h1 {
  font-size: 2.6rem;
  line-height: 1.12;
  color: #274472;
  margin-bottom: 20px;
}
h2 {
  font-size: 2rem;
  color: #274472;
  line-height: 1.15;
  margin-bottom: 18px;
}
h3 {
  font-size: 1.32rem;
  color: #131a26;
  margin-bottom: 10px;
}
p { margin-bottom: 14px; }

@media (max-width: 480px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.4rem; }
  h3 { font-size: 1.1rem; }
  body { font-size: 15px; }
}

/* LAYOUT STRUCTURE */
.container {
  width: 100%;
  max-width: 1120px;
  padding: 0 20px;
  margin: 0 auto;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.text-section ul, .text-section ol {
  margin: 10px 0 20px 24px;
  padding-left: 0;
}

/* SECTIONS & SPACING */
section {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 8px 32px 0 rgba(39,68,114,0.07);
  margin-bottom: 60px;
  padding: 40px 20px;
}
@media (max-width: 600px) {
  section {
    padding: 28px 8px;
    margin-bottom: 32px;
    border-radius: 12px;
  }
}

/* FLEXBOX FEATURE GRID */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: space-between;
}
.feature-grid > div {
  background: #f8f9fb;
  border-radius: 13px;
  box-shadow: 0 3px 16px 0 rgba(39,68,114,0.11);
  flex: 1 1 240px;
  min-width: 246px;
  padding: 28px 18px 22px 18px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  transition: box-shadow 0.2s, transform 0.2s;
  position: relative;
  margin-bottom: 20px;
}
.feature-grid > div:hover {
  box-shadow: 0 8px 32px 0 rgba(247, 196, 63, 0.19);
  transform: translateY(-6px) scale(1.018);
  z-index: 2;
  cursor: pointer;
}
.feature-grid img {
  height: 46px;
  width: 46px;
  margin-bottom: 4px;
  filter: saturate(1.1) drop-shadow(0 2px 6px #ffd16633);
}

/* BUTTONS */
.btn-primary {
  display: inline-flex;
  align-items: center;
  background: #ffd166;
  color: #131a26;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  font-size: 1.17rem;
  padding: 14px 28px;
  border-radius: 30px;
  border: none;
  transition: background 0.22s, color 0.15s, transform 0.16s, box-shadow 0.19s;
  margin-top: 12px;
  box-shadow: 0 3px 10px 0 rgba(39,68,114,0.09);
  cursor: pointer;
  text-shadow: none;
  outline: none;
}
.btn-primary:hover, .btn-primary:focus {
  background: #FFB400;
  color: #fff;
  box-shadow: 0 8px 24px -8px #ffd166cc;
  transform: scale(1.08) translateY(-2px);
}

/* Header Styles */
header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #fff;
  box-shadow: 0 3px 10px 0 rgba(39, 68, 114, 0.10);
  padding: 18px 20px;
  position: relative;
  z-index: 110;
}
.logo-link {
  display: flex;
  align-items: center;
  margin-right: 30px;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
.main-nav a {
  color: #274472;
  font-size: 1rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 7px;
  transition: color 0.15s, background 0.14s;
}
.main-nav a:hover, .main-nav a:focus {
  background: #ffd166;
  color: #131a26;
}
header .btn-primary {
  margin: 0 0 0 30px;
  font-size: 1rem;
  padding: 10px 20px;
}
.mobile-menu-toggle {
  background: none;
  border: none;
  font-size: 2.1rem;
  color: #274472;
  cursor: pointer;
  margin-left: 18px;
  border-radius: 50%;
  width: 44px;
  height: 44px;
  display: none;
  justify-content: center;
  align-items: center;
  transition: background 0.16s;
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover {
  background: #ffd166;
  color: #131a26;
}

@media (max-width:1020px) {
  .main-nav {
    gap: 16px;
  }
  header .btn-primary {
    padding: 10px 14px;
    margin-left: 12px;
    font-size: .95rem;
  }
}
@media (max-width:830px) {
  .main-nav {
    gap: 8px;
    font-size: 0.95rem;
  }
  header .btn-primary {
    display: none;
  }
}
@media (max-width:780px) {
  .main-nav { display: none; }
  .mobile-menu-toggle { display: flex; }
}

/* MOBILE MENU OVERLAY */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: #274472;
  z-index: 199;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transform: translateX(-100%);
  transition: transform 0.38s cubic-bezier(.53, .01, .19, .98);
  width: 100vw;
  height: 100vh;
  padding: 0 0 40px 0;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #ffd166;
  font-size: 2.4rem;
  font-weight: bold;
  align-self: flex-end;
  margin: 24px 34px 18px 0;
  cursor: pointer;
  z-index: 201;
  padding: 0;
  line-height: 1;
  transition: background 0.17s, color 0.2s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #ffd166;
  color: #274472;
  border-radius: 50%;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 22px;
  padding-left: 38px;
  padding-right: 28px;
}
.mobile-nav a {
  color: #ffd166;
  font-size: 1.25rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  margin-bottom: 4px;
  transition: color 0.18s, background 0.15s;
  border-radius: 7px;
  padding: 6px 8px;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #ffd166;
  color: #274472;
}
@media (max-width:500px) {
  .mobile-menu-close {
    font-size: 2rem;
    margin: 18px 14px 10px 0;
  }
  .mobile-nav a { font-size: 1rem; }
}

/* CARDS & FLEX CONTAINERS */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 9px rgba(39, 68, 114, 0.09);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: box-shadow 0.17s, transform 0.11s;
}
.card:hover {
  box-shadow: 0 8px 32px 0 rgba(77, 159, 255, 0.16);
  transform: translateY(-2px) scale(1.015);
  z-index: 2;
}

.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;
}
@media (max-width:768px) {
  .text-image-section, .feature-grid, .content-grid {
    flex-direction: column;
    gap: 18px;
  }
}

/* TESTIMONIALS */
.testimonial-slider {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 18px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  background: #fffbe6;
  border-left: 7px solid #ffd166;
  border-radius: 13px;
  box-shadow: 0 2px 11px rgba(39, 68, 114, 0.09);
  padding: 20px 26px;
  margin-bottom: 20px;
  max-width: 390px;
  transition: box-shadow 0.17s, transform 0.11s;
}
.testimonial-card strong {
  color: #274472;
  font-size: 1rem;
  margin-top: 6px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}
.testimonial-card:hover {
  box-shadow: 0 10px 40px 0 #ffd16650;
  transform: scale(1.025);
  z-index: 1;
}
.testimonial-card p {
  color: #131a26;
  font-size: 1.05rem;
  font-weight: 500;
}
@media (max-width:700px) {
  .testimonial-slider { gap: 12px; }
  .testimonial-card {
    max-width: 100%;
    padding: 13px 12px;
    border-radius: 9px;
  }
}

/* FEATURE ITEMS */
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* FOOTER */
footer {
  background: #f1f3f8;
  padding: 38px 0 20px 0;
  border-top: 4px solid #ffd166;
  margin-top: 64px;
}
.footer-nav {
  display: flex;
  gap: 18px;
  margin-bottom: 12px;
  justify-content: center;
}
.footer-nav a {
  font-size: 1rem;
  color: #274472;
  font-weight: 700;
  border-radius: 7px;
  padding: 3px 8px;
  transition: background 0.13s, color 0.13s;
}
.footer-nav a:hover, .footer-nav a:focus {
  background: #ffd166;
  color: #131a26;
}
footer address,
footer p {
  font-size: 0.97rem;
  color: #696f87;
  text-align: center;
  font-style: normal;
  margin-bottom: 6px;
}
footer address a { color: #274472; font-weight: 700; }

/* COOKIE CONSENT BANNER (fixed bottom) */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  background: #274472;
  color: #fff;
  z-index: 3000;
  padding: 22px 16px 18px 16px;
  display: flex;
  align-items: center;
  flex-direction: row;
  justify-content: center;
  gap: 26px;
  box-shadow: 0 -6px 32px 0 rgba(39,68,114,0.18);
  transition: transform 0.36s cubic-bezier(.65,.02,.20,.98);
}
.cookie-banner.hide {
  transform: translateY(160%);
}
.cookie-banner p {
  font-size: 1.04rem;
  color: #fff;
  margin-right: 14px;
  max-width: 440px;
}
.cookie-banner .cookie-btn {
  background: #ffd166;
  color: #131a26;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  border: none;
  border-radius: 29px;
  padding: 10px 20px;
  margin-left: 10px;
  font-size: 1rem;
  transition: background 0.22s, color 0.15s, box-shadow 0.19s;
  cursor: pointer;
  margin-bottom: 0;
  box-shadow: 0 2px 7px 0 rgba(39,68,114,0.11);
}
.cookie-banner .cookie-btn:hover, .cookie-banner .cookie-btn:focus {
  background: #FFB400;
  color: #fff;
  box-shadow: 0 6px 29px 0 #ffd1664a;
}
.cookie-banner .cookie-settings-btn {
  background: none;
  border: 2px solid #ffd166;
  color: #ffd166;
  margin-left: 10px;
  padding: 10px 18px;
  transition: background 0.16s, color 0.16s, border-color 0.16s;
}
.cookie-banner .cookie-settings-btn:hover, .cookie-banner .cookie-settings-btn:focus {
  background: #ffd166;
  color: #274472;
  border-color: #ffd166;
}
@media (max-width:700px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 15px 10px 12px 10px;
  }
  .cookie-banner p { max-width: 100%; margin-right: 0; }
  .cookie-banner .cookie-btn, .cookie-banner .cookie-settings-btn {
    margin-left: 0; margin-bottom: 6px;
    width: 100%;
  }
}

/* COOKIE PREFERENCES MODAL */
.cookie-modal-backdrop {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(19,26,38, 0.65);
  z-index: 4000;
  display: flex;
  justify-content: center;
  align-items: center;
  transition: opacity 0.3s;
}
.cookie-modal {
  background: #fff;
  border-radius: 21px;
  padding: 34px 26px 28px 26px;
  min-width: 320px;
  max-width: 96vw;
  box-shadow: 0 8px 44px rgba(39,68,114,0.22);
  color: #131a26;
}
.cookie-modal h3 {
  margin-bottom: 5px;
  color: #274472;
  font-size: 1.33rem;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 13px;
}
.cookie-modal label {
  font-weight: 600;
  color: #274472;
}
.cookie-toggle {
  appearance: none;
  width: 34px;
  height: 21px;
  background: #ffd166;
  border-radius: 14px;
  outline: none;
  position: relative;
  transition: background 0.19s;
  cursor: pointer;
}
.cookie-toggle:checked {
  background: #274472;
}
.cookie-toggle::before {
  content: '';
  display: block;
  position: absolute;
  left: 3px;
  top: 3px;
  width: 15px;
  height: 15px;
  background: #fff;
  border-radius: 50%;
  transition: left 0.20s, background 0.18s;
}
.cookie-toggle:checked::before {
  left: 16px;
  background: #ffd166;
}
.cookie-modal .cookie-actions {
  margin-top: 26px;
  display: flex;
  gap: 18px;
  justify-content: flex-end;
}
.cookie-modal .btn-primary {
  font-size: 1rem;
  padding: 8px 24px;
}
.cookie-modal .btn-secondary {
  background: none;
  border: 2px solid #ffd166;
  color: #ffd166;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  border-radius: 23px;
  font-weight: 600;
  font-size: 1rem;
  padding: 8px 22px;
  cursor: pointer;
  transition: background 0.14s, color 0.16s;
}
.cookie-modal .btn-secondary:hover, .cookie-modal .btn-secondary:focus {
  background: #ffd166;
  color: #274472;
}

@media (max-width:480px) {
  .cookie-modal {
    padding: 14px 8px 16px 8px;
    border-radius: 13px;
    min-width: unset;
    font-size: 0.94rem;
  }
  .cookie-modal .cookie-actions {
    gap: 8px;
    flex-direction: column;
    align-items: flex-start;
  }
}

/* UTILITY */
::-webkit-input-placeholder { color:#757883; }
::-moz-placeholder { color:#757883; }
:-ms-input-placeholder { color:#757883; }
::placeholder { color:#757883; }

/* Animations */
@keyframes slideDown {
  from { transform: translateY(-22px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
@keyframes fadeInScale {
  from { opacity: 0; transform: scale(0.96); }
  to { opacity: 1; transform: scale(1); }
}

section, .card, .feature-grid > div, .testimonial-card, .cookie-banner, .cookie-modal {
  animation: fadeInScale 0.7s cubic-bezier(.39,.59,.38,.96);
}

/* RESPONSIVE - GLOBAL RULES */
@media (max-width:1100px) {
  .container { max-width: 97vw; }
}
@media (max-width:768px) {
  .feature-grid {
    flex-direction: column;
    gap: 14px;
  }
  .content-grid {
    flex-direction: column;
    gap: 12px;
  }
}
@media (max-width:480px) {
  .container { padding: 0 4px; }
}

/* IMAGE ICONS with TEXT (ul with icons) */
.text-section ul img,
.text-section li img {
  display: inline-block;
  vertical-align: middle;
  height: 20px;
  width: 20px;
  margin-right: 7px;
  margin-top: -4px;
}

/* Accessibility and Focus */
a, button, input, select, textarea {
  outline-color: #ffd166;
  outline-width: 2px;
}
button:focus, a:focus {
  outline: 2px solid #ffd166;
}

/* Miscellaneous Tweaks */
ul, ol { margin-left: 22px; }
li { margin-bottom: 8px; }

/* Hide visually but keep accessible */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
  padding: 0;
}

/* END OF CSS */