/* =====================================================
   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,
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 { 
  font-size: 16px; 
  -webkit-text-size-adjust: 100%;   
  scroll-behavior: smooth;
}
body {
  min-height: 100vh;
  font-family: 'Roboto', Arial, sans-serif;
  color: #222;
  background: #fff;
  -webkit-font-smoothing: antialiased;
  font-size: 1rem;
  line-height: 1.6;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
ul, ol {
  list-style: none;
}
a {
  color: #1F4A91;
  text-decoration: none;
  transition: color 0.2s;
  word-break: break-word;
}
a:hover,
a:focus {
  color: #FFD200;
  outline: none;
}
button, input, textarea, select {
  font-family: inherit;
  font-size: inherit;
  background: none;
  border: none;
  outline: none;
  color: inherit;
}
button { cursor: pointer; }

/* ===============================
   TYPOGRAPHY SCALE
   =============================== */
h1, .h1 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 2.25rem;
  font-weight: 700;
  color: #1F4A91;
  line-height: 1.15;
  margin-bottom: 24px;
}
h2, .h2 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: #1F4A91;
  margin-bottom: 20px;
  line-height: 1.2;
}
h3, .h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.2rem;
  font-weight: 500;
  color: #1F4A91;
  margin-bottom: 12px;
}
h4, .h4 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #1F4A91;
  margin-bottom: 10px;
}
p, ul, ol {
  color: #222;
  font-size: 1rem;
  margin-bottom: 16px;
}
strong {
  font-weight: 600;
  color: #1F4A91;
}

/* ===============================
   CONTAINER
   =============================== */
.container {
  max-width: 1100px;
  width: 100%;
  margin: 0 auto;
  padding: 0 20px;
}

/* ===============================
   HEADER
   =============================== */
header {
  background: #fff;
  box-shadow: 0 2px 12px 0 rgba(31,74,145,0.03);
  position: sticky;
  top: 0;
  z-index: 20;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding-top: 16px;
  padding-bottom: 16px;
}
header img {
  height: 42px;
  width: auto;
}
header nav {
  display: flex;
  align-items: center;
  gap: 16px;
}
header nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  padding: 4px 10px;
  border-radius: 4px;
  transition: background 0.18s;
  color: #1F4A91;
}
header nav a:hover,
header nav a:focus {
  background: #D9E4EE;
  color: #1F4A91;
}
.cta-btn {
  display: inline-block;
  background: #1F4A91;
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  padding: 11px 26px;
  border-radius: 24px;
  box-shadow: 0 3px 14px 0 rgba(31,74,145,0.09);
  transition: background 0.18s, transform 0.14s, box-shadow 0.24s;
  border: none;
  outline: none;
  margin-left: 18px;
}
.cta-btn:hover, .cta-btn:focus {
  background: #FFD200;
  color: #1F4A91;
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 6px 24px 0 rgba(31,74,145,0.16);
}
.mobile-menu-toggle {
  display: none;
  font-size: 1.8rem;
  background: none;
  border: none;
  color: #1F4A91;
  margin-left: 10px;
  border-radius: 6px;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  transition: background 0.18s;
}
.mobile-menu-toggle:hover,
.mobile-menu-toggle:focus {
  background: #D9E4EE;
}
/* ========================
   MOBILE NAVIGATION
   ======================== */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  bottom: 0;
  right: 0;
  background: rgba(31,74,145,0.88);
  z-index: 1001;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transform: translateX(-100%);
  transition: transform 0.33s cubic-bezier(.60,.14,.25,1.07);
  padding: 0 0 0 0;
  opacity: 0;
  pointer-events: none;
}
.mobile-menu.open {
  transform: translateX(0);
  opacity: 1;
  pointer-events: all;
}
.mobile-menu-close {
  font-size: 2.2rem;
  background: none;
  border: none;
  color: #fff;
  align-self: flex-end;
  margin: 30px 24px 8px 0;
  border-radius: 8px;
  width: 40px;
  height: 40px;
  transition: background 0.18s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  background: rgba(255,255,255,0.09);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 22px;
  width: 100%;
  align-items: flex-start;
  margin-left: 38px;
  margin-top: 24px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.18rem;
  color: #fff;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 10px 0;
  border-radius: 0;
  transition: color 0.18s, background 0.2s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  color: #FFD200;
  background: none;
}

/* =============================
   MAIN & SECTIONS
   ============================= */
main {
  background: #fff;
}
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.section h2, section h2 {
  margin-bottom: 24px;
}
ul {
  list-style: none;
  padding-left: 0;
  margin-bottom: 6px;
}
ul li, ol li {
  position: relative;
  margin-bottom: 15px;
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
}
ul li:last-child, ol li:last-child {
  margin-bottom: 0;
}
ul li img, span img {
  width: 26px;
  height: 26px;
  min-width: 22px;
  margin-right: 10px;
}

/* =============================
   CARDS & FLEXBOX LAYOUTS
   ============================= */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
}
.card {
  background: #fff;
  box-shadow: 0 2px 14px rgba(31,74,145,0.07);
  border-radius: 20px;
  padding: 28px 22px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.22s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 6px 24px rgba(31,74,145,0.13);
}
.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;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 18px 0 rgba(31,74,145,0.055);
  padding: 20px 26px;
  margin-bottom: 20px;
  min-width: 270px;
  max-width: 540px;
}
.testimonial-card p {
  color: #222;
  font-size: 1.05rem;
  font-style: italic;
}
.testimonial-card span {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  color: #1F4A91;
  font-weight: 500;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* ===========================
   TABLE (minimal style)
   =========================== */
table {
  border-collapse: collapse;
  width: 100%;
  margin-bottom: 24px;
  background: #fff;
  border-radius: 15px;
  overflow: hidden;
  box-shadow: 0 1px 10px rgba(31,74,145,0.06);
}
thead {
  background: #D9E4EE;
}
th, td {
  text-align: left;
  padding: 15px 14px;
  font-size: 1rem;
}
th {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  color: #1F4A91;
}
tbody tr {
  border-bottom: 1px solid #F1F3F6;
}
tbody tr:last-child {
  border-bottom: none;
}


/* =============================
   FOOTER
   ============================= */
footer {
  background: #fff;
  box-shadow: 0 -2px 18px 0 rgba(31,74,145,0.03);
  padding: 30px 0 15px;
  font-size: 1rem;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
footer img {
  height: 38px;
  width: auto;
}
footer nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
}
footer nav a {
  padding: 4px 11px;
  border-radius: 3px;
  color: #788aa4;
  font-size: 0.99rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
}
footer nav a:hover, footer nav a:focus {
  color: #1F4A91;
  background: #D9E4EE;
}
footer p {
  font-size: 0.96rem;
  color: #AEB8C2;
}

/* ===============================
   MISCELLANEOUS, FORMATTING
   =============================== */
strong {
  color: #1F4A91;
}
section strong {
  color: #1F4A91;
}
::-webkit-input-placeholder { color: #9DB2C4; opacity: 1; }
::-moz-placeholder { color: #9DB2C4; opacity: 1; }
:-ms-input-placeholder { color: #9DB2C4; opacity: 1; }
::placeholder { color: #9DB2C4; opacity: 1; }

ol {
  margin-bottom: 16px;
  margin-left: 1.2em;
  list-style: decimal inside;
}

hr {
  border: none;
  border-top: 1.5px solid #e1e7f0;
  margin: 32px 0;
}

/* =========================
   BUTTONS & INTERACTION
   ========================= */
button, .cta-btn {
  transition: background 0.18s, color 0.16s, box-shadow 0.22s, transform 0.14s;
}
button:focus, .cta-btn:focus {
  outline: 2px solid #FFD200;
  outline-offset: 2px;
}

/* =========================
   GAP ENFORCEMENT & SPACING
   ========================= */
.section, section {
  margin-bottom: 60px !important;
  padding: 40px 20px !important;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px !important;
}
.card {
  margin-bottom: 20px !important;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px !important;
  justify-content: space-between;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px !important;
  flex-wrap: wrap;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px !important;
  padding: 20px !important;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px !important;
}

/* ================
   HOVER / MICRO-INTERACTIONS
   ================ */
.card:hover {
  box-shadow: 0 8px 32px 0 rgba(31,74,145,0.16);
  z-index: 2;
}
li img, .feature-item img {
  transition: transform 0.18s;
}
ul li:hover img, .feature-item:hover img {
  transform: scale(1.09) rotate(-7deg);
}

.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 10px 28px 0 rgba(31,74,145,0.18);
  transform: translateY(-1px) scale(1.01);
}

/* ================
   RESPONSIVE DESIGN
   ================ */
@media (max-width: 1020px) {
  .container {
    max-width: 96vw;
    padding: 0 10px;
  }
  .footer .container, footer .container {
    flex-direction: column;
    align-items: flex-start;
    gap: 24px;
  }
}
@media (max-width: 900px) {
  .container {
    max-width: 99vw;
    padding: 0 5px;
  }
}
@media (max-width: 800px) {
  .container {
    max-width: 100vw;
    padding: 0 1vw;
  }
  header .container {
    flex-wrap: wrap;
    gap: 10px;
  }
}
@media (max-width: 768px) {
  header nav {
    display: none;
  }
  .cta-btn {
    margin-left: 0;
  }
  .mobile-menu-toggle {
    display: flex;
  }
  .mobile-menu {
    display: flex;
    /* controlled by open class */
  }
  .content-wrapper,
  .content-grid,
  .card-container {
    flex-direction: column !important;
    gap: 18px !important;
  }
  .text-image-section {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 18px !important;
  }
  .feature-item {
    gap: 10px !important;
  }
  section,
  .section {
    padding: 28px 6px !important;
    margin-bottom: 32px !important;
  }
  .testimonial-card {
    padding: 14px 12px !important;
    font-size: 0.96rem !important;
  }
  th, td {
    padding: 10px 6px;
  }
}
@media (max-width: 600px) {
  h1, .h1 { font-size: 1.33rem; }
  h2, .h2 { font-size: 1.03rem; }
  .testimonial-card { font-size: 0.89rem; }
}
@media (max-width: 520px) {
  .mobile-nav {
    margin-left: 13px;
    gap: 14px;
  }
  .mobile-menu-close {
    margin-top: 18px;
    margin-right: 10px;
  }
}

/* ==================
   COOKIE CONSENT BANNER
   ================== */
.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 20px 14px;
  background: #fff;
  box-shadow: 0 -2px 14px rgba(31,74,145,0.13);
  border-top: 1.5px solid #e3e8ef;
  z-index: 1500;
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 22px;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.23s cubic-bezier(.7, .14, .25, 1.09);
}
.cookie-banner.show {
  opacity: 1;
  pointer-events: all;
}
.cookie-banner__msg {
  color: #222;
  font-size: 1rem;
  line-height: 1.4;
  flex: 1 1 300px;
}
.cookie-banner__btns {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}
.cookie-btn {
  padding: 9px 20px;
  border-radius: 22px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  background: #D9E4EE;
  color: #1F4A91;
  border: none;
  box-shadow: 0 1.5px 7px 0 rgba(31,74,145,0.04);
  transition: background 0.17s, color 0.13s, box-shadow 0.17s;
}
.cookie-btn.cookie-accept {
  background: #1F4A91;
  color: #fff;
}
.cookie-btn.cookie-reject {
  background: #F1F3F6;
  color: #1F4A91;
}
.cookie-btn.cookie-settings {
  background: #FFD200;
  color: #1F4A91;
}
.cookie-btn:hover, .cookie-btn:focus {
  opacity: 1;
  filter: brightness(0.93);
  box-shadow: 0 5px 20px 0 rgba(31,74,145,0.13);
}

@media (max-width: 600px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 13px;
    text-align: left;
    padding: 16px 3vw;
  }
  .cookie-banner__btns {
    gap: 9px;
  }
}

/* COOKIE MODAL (PREFERENCES) */
.cookie-modal {
  position: fixed;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(31,74,145,0.16);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.18s cubic-bezier(.7, .14, .25, 1.09);
}
.cookie-modal.show {
  opacity: 1;
  pointer-events: all;
}
.cookie-modal__content {
  max-width: 390px;
  width: 96vw;
  background: #fff;
  border-radius: 22px;
  box-shadow: 0 14px 48px 0 rgba(31,74,145,0.23);
  padding: 32px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
}
.cookie-modal__title {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.28rem;
  font-weight: 600;
  color: #1F4A91;
  margin-bottom: 9px;
}
.cookie-modal__close {
  position: absolute;
  right: 13px; top: 10px;
  background: none;
  border: none;
  color: #707070;
  font-size: 1.8rem;
  border-radius: 8px;
  padding: 4px 8px;
}
.cookie-modal__close:hover,
.cookie-modal__close:focus {
  background: #F5F7FA;
}
.cookie-modal__desc {
  color: #222;
  font-size: 1rem;
  margin-bottom: 9px;
}
.cookie-modal__categories {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin-bottom: 12px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1rem;
}
.cookie-switch {
  appearance: none;
  width: 38px;
  height: 20px;
  background: #D9E4EE;
  border-radius: 20px;
  position: relative;
  outline: none;
  transition: background 0.18s;
}
.cookie-switch:checked {
  background: #1F4A91;
}
.cookie-switch:disabled {
  background: #AEB8C2;
  opacity: 0.7;
}
.cookie-switch::before {
  content: '';
  position: absolute;
  left: 3px;
  top: 2.6px;
  width: 15px;
  height: 15px;
  background: #fff;
  border-radius: 50%;
  box-shadow: 0 1px 4px 0 rgba(31,74,145,0.07);
  transition: left 0.23s cubic-bezier(.7, .14, .25, 1.07);
}
.cookie-switch:checked::before {
  left: 20px;
}
.cookie-modal__actions {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-top: 8px;
}

/* =========================
   ACCESSIBILITY OUTLINES
   ========================= */
a:focus, button:focus, .cta-btn:focus, .cookie-btn:focus, .mobile-menu-close:focus {
  outline: 2px solid #FFD200;
  outline-offset: 2px;
}

/* =========================
   MISC
   ========================= */
::-webkit-scrollbar {
  width: 8px;
  background: #F8FAFC;
}
::-webkit-scrollbar-thumb {
  background: #D9E4EE;
  border-radius: 10px;
}