/* --- 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,
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: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}

html {
  font-size: 16px;
  font-family: 'Roboto', Arial, sans-serif;
  scroll-behavior: smooth;
}
body {
  line-height: 1.6;
  min-height: 100vh;
  background: #fff;
  color: #17233a;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
}
*, *:before, *:after {
  box-sizing: border-box;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
ul,ol {
  list-style: none;
  padding: 0;
  margin: 0;
}
a {
  color: #244976;
  text-decoration: none;
  transition: color 0.2s;
}
a:focus {
  outline: 2px solid #244976;
  outline-offset: 2px;
}

/* --- TYPOGRAPHY --- */
h1, .cta-main, .cta-hero {
  font-family: 'Montserrat', Arial, sans-serif;
}
h1 {
  font-size: 2.5rem;
  font-weight: 600;
  margin-bottom: 24px;
  color: #244976;
  letter-spacing: -1px;
}
h2 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 2rem;
  font-weight: 500;
  margin-bottom: 20px;
  color: #244976;
  letter-spacing: -.5px;
}
h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.3rem;
  font-weight: 500;
  margin-bottom: 12px;
  color: #244976;
}
p, li, dd {
  font-size: 1rem;
  color: #17233a;
  line-height: 1.7;
}
strong {
  font-weight: 600;
  color: #244976;
}
.text-section {
  margin-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* --- LAYOUT STRUCTURE --- */
.container {
  width: 100%;
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: transparent;
}

/* --- HEADER --- */
header {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 28px 0 22px 0;
  background: #fff;
  border-bottom: 1px solid #D9E2EC;
  position: relative;
  z-index: 101;
}
header > a img {
  height: 44px;
  width: auto;
}
header nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 18px;
}
header nav a {
  color: #244976;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  padding: 7px 10px;
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
}
header nav a:hover, header nav a:focus {
  background: #D9E2EC;
  color: #17233a;
}
.cta-hero {
  background: #244976;
  color: #fff;
  font-weight: 600;
  font-size: 1.08rem;
  padding: 10px 24px;
  border-radius: 24px;
  transition: background 0.2s, box-shadow 0.25s;
  box-shadow: 0 2px 12px rgba(36,73,118,0.07);
  letter-spacing: 0.04em;
}
.cta-hero:hover, .cta-hero:focus {
  background: #18335a;
  box-shadow: 0 4px 16px rgba(36,73,118,0.11);
  color: #fff;
}

/* --- MOBILE MENU --- */
.mobile-menu-toggle {
  display: none;
  position: fixed;
  top: 18px;
  right: 22px;
  width: 42px;
  height: 42px;
  background: #fff;
  color: #244976;
  border: none;
  border-radius: 50%;
  box-shadow: 0 1px 5px rgba(36,73,118,0.09);
  font-size: 2rem;
  justify-content: center;
  align-items: center;
  z-index: 200;
  cursor: pointer;
  transition: box-shadow 0.2s, background 0.2s;
}
.mobile-menu-toggle:focus { outline: 2px solid #244976; }
.mobile-menu-toggle:hover { background: #D9E2EC; }

.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: 94vw;
  max-width: 340px;
  background: #fff;
  box-shadow: -4px 0 24px rgba(36,73,118,0.08);
  transform: translateX(105%);
  transition: transform 0.34s cubic-bezier(.7,.2,.2,1), box-shadow 0.3s;
  z-index: 998;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  padding: 0 0 36px 0;
}
.mobile-menu.open {
  transform: translateX(0);
  box-shadow: -2px 0 28px rgba(36,73,118,0.15);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #244976;
  font-size: 2rem;
  align-self: flex-end;
  margin: 18px 18px 12px 0;
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 6px;
  transition: background 0.18s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  background: #D9E2EC;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-left: 18px;
  margin-right: 18px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.13rem;
  color: #244976;
  padding: 11px 10px;
  border-radius: 8px;
  transition: background 0.14s, color 0.14s;
  margin-right: 0;
  font-weight: 500;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #D9E2EC;
  color: #18335a;
}

/* --- MAIN CTAS --- */
.cta-main {
  background: #F7C948;
  color: #244976;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.15rem;
  border: none;
  border-radius: 30px;
  padding: 13px 32px;
  margin: 12px 0 0 0;
  box-shadow: 0 2px 12px rgba(36,73,118,0.09);
  cursor: pointer;
  transition: background 0.18s, color 0.15s, box-shadow 0.18s;
  text-align: center;
  display: inline-block;
}
.cta-main:hover, .cta-main:focus {
  background: #244976;
  color: #fff;
  box-shadow: 0 5px 18px rgba(36,73,118,0.10);
}
.cta-link {
  color: #244976;
  font-weight: 500;
  border-bottom: 1px solid #D9E2EC;
  padding-bottom: 3px;
  margin-top: 10px;
  transition: color 0.15s, border-color 0.18s;
}
.cta-link:hover, .cta-link:focus {
  color: #18335a;
  border-color: #F7C948;
}

/* --- FLEX UTILITIES --- */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border: 1px solid #D9E2EC;
  border-radius: 12px;
  box-shadow: 0 2px 9px rgba(36,73,118,0.08);
  flex: 1 1 260px;
  min-width: 260px;
  padding: 28px 22px;
  transition: box-shadow 0.17s;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.card:hover {
  box-shadow: 0 6px 20px rgba(36,73,118,0.12);
}
.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: 20px;
  padding: 20px;
  border-radius: 12px;
  background: #fff;
  box-shadow: 0 3px 18px rgba(36,73,118,0.075);
  border: 1px solid #D9E2EC;
  max-width: 370px;
  margin-bottom: 20px;
  font-size: 1.03rem;
  color: #17233a;
  transition: box-shadow 0.18s, transform 0.19s;
}
.testimonial-card:hover {
  box-shadow: 0 8px 32px rgba(36,73,118,0.12);
  transform: translateY(-3px) scale(1.02);
}
.testimonial-card p {
  font-style: italic;
  color: #17233a;
}
.testimonial-card span {
  font-size: 0.99rem;
  color: #244976;
  font-weight: 500;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* --- LISTS & TEXT SECTIONS --- */
ul li, .text-section li {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-bottom: 12px;
  font-size: 1rem;
}
ul li img {
  height: 27px;
  width: 27px;
  object-fit: contain;
  opacity: 0.82;
}
.text-section img {
  height: 18px;
  width: 18px;
  margin-right: 8px;
  opacity: 0.70;
  vertical-align: middle;
}

/* --- DL FAQ --- */
dl {
  margin-bottom: 20px;
}
dt {
  font-weight: 600;
  color: #244976;
  margin-top: 16px;
  font-size: 1.1rem;
  margin-bottom: 8px;
}
dd {
  margin-left: 0;
  margin-bottom: 12px;
  color: #17233a;
}

/* --- FOOTER --- */
footer {
  padding: 46px 0 18px 0;
  background: #f9fbfd;
  border-top: 1px solid #D9E2EC;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
  margin-top: 60px;
}
.footer-logo {
  margin-bottom: 16px;
}
.footer-logo img {
  height: 52px;
  opacity: 0.91;
}
footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
  justify-content: center;
}
footer nav a {
  color: #244976;
  font-size: 0.94rem;
  padding: 4px 9px;
  border-radius: 6px;
  transition: background 0.15s, color 0.16s;
}
footer nav a:hover, footer nav a:focus {
  background: #D9E2EC;
  color: #17233a;
}
.legal {
  margin-top: 10px;
  color: #8a97ae;
  font-size: 0.93rem;
}

/* --- COOKIE CONSENT BANNER --- */
.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  width: 100vw;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: center;
  gap: 28px;
  background: #fff;
  border-top: 1px solid #D9E2EC;
  box-shadow: 0 -3px 18px rgba(36,73,118,0.06);
  padding: 24px 16px 24px 16px;
  z-index: 9999;
  font-size: 1rem;
  animation: fadein-bottom 0.6s;
}
@keyframes fadein-bottom {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}
.cookie-banner__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.cookie-btn {
  padding: 8px 20px;
  border-radius: 22px;
  font-family: 'Montserrat',Arial,sans-serif;
  font-weight: 500;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: background 0.18s, color 0.17s, box-shadow 0.18s;
  box-shadow: 0 2px 8px rgba(36,73,118,0.06);
}
.cookie-btn.accept {
  background: #F7C948;
  color: #244976;
}
.cookie-btn.accept:hover, .cookie-btn.accept:focus {
  background: #e9b60e;
  color: #fff;
}
.cookie-btn.reject {
  background: #D9E2EC;
  color: #244976;
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #b8c4d3;
  color: #244976;
}
.cookie-btn.settings {
  background: #fff;
  color: #244976;
  border: 1px solid #D9E2EC;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: #D9E2EC;
}

/* --- COOKIE SETTINGS MODAL --- */
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw; height: 100vh;
  background: rgba(36,73,118,0.26);
  z-index: 10001;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.22s;
}
.cookie-modal-overlay.open {
  opacity: 1;
  pointer-events: auto;
}
.cookie-modal {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 7px 38px rgba(36,73,118,0.15);
  width: 95%;
  max-width: 410px;
  padding: 36px 28px 28px 28px;
  z-index: 10010;
  display: flex;
  flex-direction: column;
  gap: 20px;
  animation: fadein-bottom 0.4s;
}
.cookie-modal h2 {
  font-size: 1.25rem;
  margin-bottom: 2px;
  color: #244976;
}
.cookie-modal .category {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid #D9E2EC;
}
.cookie-modal .category:last-child {
  border-bottom: 0;
}
.cookie-modal-label {
  font-weight: 500;
  font-size: 1.05rem;
  color: #18335a;
}
.cookie-modal-toggle {
  width: 34px;
  height: 18px;
  border-radius: 10px;
  background: #D9E2EC;
  position: relative;
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}
.cookie-modal-toggle[aria-checked="true"] {
  background: #244976;
}
.cookie-modal-toggle::after {
  content: "";
  position: absolute;
  top: 2px;
  left: 2px;
  width: 14px;
  height: 14px;
  background: #fff;
  border-radius: 50%;
  transition: left 0.2s;
  box-shadow: 0 1px 2px rgba(36,73,118,0.07);
}
.cookie-modal-toggle[aria-checked="true"]::after {
  left: 18px;
}
.cookie-modal-toggle[disabled] {
  opacity: 0.6;
  cursor: not-allowed;
}
.cookie-modal-actions {
  margin-top: 14px;
  display: flex;
  gap: 14px;
  justify-content: flex-end;
}
.cookie-modal-close {
  background: none;
  border: none;
  font-size: 1.35rem;
  color: #244976;
  position: absolute;
  top: 10px;
  right: 16px;
  cursor: pointer;
  padding: 5px;
  border-radius: 50%;
  transition: background 0.16s;
  z-index: 3;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: #D9E2EC;
}

/* --- RESPONSIVE DESIGN --- */
@media (max-width: 1022px) {
  .container { max-width: 840px; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.4rem; }
}
@media (max-width: 768px) {
  header {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 0 14px 0;
  }
  nav {
    display: none;
  }
  .cta-hero { display: none; }
  .mobile-menu-toggle {
    display: flex;
  }
  .section {
    padding: 32px 8px;
    margin-bottom: 44px;
  }
  .container {
    padding: 0 8px;
    max-width: 100%;
  }
  .content-wrapper {
    gap: 18px;
  }
  .footer-logo img { height: 42px; }
  footer { padding: 28px 0 10px 0; margin-top: 38px; gap: 18px; }
  .footer-logo { margin-bottom: 9px; }
  .legal { font-size: 0.85rem; }
  .card-container, .content-grid {
    gap: 14px;
  }
  .testimonial-card { max-width: 100%; }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 16px 7px 16px 7px;
    font-size: 0.98rem;
  }
  .cookie-modal {
    max-width: 97vw;
    padding: 24px 10px 18px 10px;
  }
}
@media (max-width: 480px) {
  .container {
    padding: 0 1.5vw;
  }
  h1 { font-size: 1.3rem; }
  h2 { font-size: 1.03rem; }
  .section {
    padding: 17px 2px; margin-bottom: 28px;
  }
  .card { min-width: 90vw; }
  .testimonial-card {
    font-size: 0.97rem;
    padding: 11px;
  }
  .cookie-banner {
    font-size: 0.95rem;
    padding: 11px 2px 11px 2px;
  }
}

/* --- ANIMATIONS / TRANSITIONS --- */
button, .cta-main, .cta-hero, .cookie-btn {
  transition: background 0.18s, color 0.19s, box-shadow 0.19s;
}

a, .cta-link, footer nav a, header nav a, .mobile-nav a {
  transition: color 0.15s, border-color 0.18s, background 0.14s;
}

.card, .testimonial-card, .cookie-modal, .cookie-banner {
  transition: box-shadow 0.15s, transform 0.13s;
}

@media (hover: hover) {
  .card:hover, .testimonial-card:hover {
    box-shadow: 0 9px 32px rgba(36,73,118,0.13);
    transform: translateY(-2px) scale(1.015);
  }
}

/* --- MISC --- */
::-webkit-input-placeholder { color: #8a97ae; }
::-moz-placeholder { color: #8a97ae; }
:-ms-input-placeholder { color: #8a97ae; }
::placeholder { color: #8a97ae; }

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