/* 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-size: 100%;
  font: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  height: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
body {
  min-height: 100vh;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  color: #222;
  background: linear-gradient(135deg, #ffffff 0%, #f6f6fa 100%);
  line-height: 1.7;
  font-size: 16px;
}
img, video {
  max-width: 100%;
  height: auto;
  display: block;
}
ul, ol {
  list-style: none;
}
a {
  color: #2E3192;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover,
a:focus {
  color: #F9B233;
}
strong, b {
  font-weight: bold;
}

/* FONT IMPORT (hosted or via Google Fonts) */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;900&family=Open+Sans:wght@400;600;700&display=swap');
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #2E3192;
  font-weight: 900;
}
h1 { font-size: 2.6rem; line-height: 1.1; margin-bottom: 16px; }
h2 { font-size: 2rem; margin-bottom: 16px; }
h3 { font-size: 1.3rem; margin-bottom: 8px; font-weight: 700; }
h4, h5, h6 { font-size: 1rem; }
p, ul, ol, li { font-size: 1rem; }

/* CONTAINERS */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
}
.content-wrapper {
  width: 100%;
  max-width: 940px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* HEADER & NAVIGATION */
header {
  background: linear-gradient(90deg, #2E3192 0%, #3846C0 80%, #F9B233 180%);
  min-height: 72px;
  box-shadow: 0 2px 8px 0 rgba(46,49,146,.05);
}
header .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  padding: 10px 20px;
}
header img {
  height: 48px;
  width: auto;
  margin-right: 32px;
}
nav {
  display: flex;
  gap: 24px;
  align-items: center;
}
nav a {
  color: #fff;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.01em;
  padding: 8px 0;
  position: relative;
  transition: color 0.2s;
}
nav a::after {
  content: '';
  display: block;
  width: 0;
  height: 2px;
  background: #F9B233;
  transition: width .25s;
  margin: 0 auto -6px auto;
}
nav a:hover::after,
nav a:focus::after {
  width: 50%;
}
nav a.cta-primary {
  background: linear-gradient(90deg, #F9B233 0%, #FFD480 100%);
  color: #2E3192;
  padding: 10px 20px;
  border-radius: 28px;
  box-shadow: 0 2px 8px 0 rgba(249,178,51,0.08);
  font-weight: bold;
  margin-left: 8px;
  transition: background 0.22s, color 0.22s, box-shadow 0.22s;
}
nav a.cta-primary:hover, nav a.cta-primary:focus {
  background: linear-gradient(90deg, #FFD480 0%, #F9B233 100%);
  color: #2E3192;
  box-shadow: 0 4px 16px 0 rgba(249,178,51,0.10);
}
.mobile-menu-toggle {
  background: #2E3192;
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 2rem;
  cursor: pointer;
  display: none;
  transition: background .22s;
}
.mobile-menu-toggle:hover,
.mobile-menu-toggle:focus {
  background: #F9B233;
  color: #2E3192;
}

/* MOBILE MENU OVERLAY */
.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(46,49,146,0.97);
  z-index: 1200;
  display: flex;
  align-items: flex-start;
  justify-content: flex-end;
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(.7,.2,.4,1);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.2rem;
  cursor: pointer;
  padding: 18px 22px;
  align-self: flex-start;
  margin-top: 16px;
  margin-right: 14px;
  transition: color 0.2s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #F9B233;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  width: 88vw;
  max-width: 380px;
  padding: 48px 30px 30px 30px;
  gap: 26px;
  background: linear-gradient(135deg, #fff 0%, #f4f5fe 100%);
  height: 100vh;
  box-shadow: -4px 0 16px rgba(46,49,146,.14);
}
.mobile-nav a {
  color: #2E3192;
  font-weight: bold;
  font-size: 1.2rem;
  padding: 10px 0;
  border-radius: 8px;
  transition: color .18s, background .16s;
  display: block;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #F9B233;
  color: #2E3192;
}

/* HERO SECTION */
.hero {
  background: linear-gradient(120deg, #F9B233 0%, #FFD480 65.34%, #fff 100%);
  width: 100%;
  min-height: 50vh;
  margin-bottom: 60px;
  padding: 40px 20px;
  display: flex;
  align-items: center;
  position: relative;
}
.hero .container {
  justify-content: center;
  align-items: center;
  height: 100%;
}
.hero .content-wrapper {
  align-items: flex-start;
  gap: 26px;
}
.hero h1 {
  color: #2E3192;
  font-size: 2.4rem;
  margin-bottom: 10px;
  font-weight: 900;
}
.hero p {
  font-size: 1.24rem;
  color: #343650;
  font-family: 'Open Sans', Arial, sans-serif;
  margin-bottom: 10px;
}
.hero .cta-primary {
  margin-top: 8px;
}

/* SECTIONS & SPACING */
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 14px 0 rgba(30, 32, 70, 0.07);
  padding: 24px 20px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.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;
  align-items: center;
  gap: 20px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 12px 0 rgba(46,49,146,0.07);
  padding: 20px;
  margin-bottom: 20px;
  min-width: 0;
}
.testimonial-card p {
  color: #2E3192;
  font-size: 1.14rem;
  font-family: 'Montserrat', Arial, sans-serif;
  margin-bottom: 0;
  font-weight: 600;
}
.testimonial-details {
  font-size: 0.94rem;
  color: #3846C0;
  font-weight: 600;
  opacity: 0.80;
}
.rating-summary {
  background: #F9B233;
  color: #2E3192;
  padding: 10px 18px;
  border-radius: 15px;
  font-weight: bold;
  margin-top: 18px;
  display: inline-block;
  font-size: 1rem;
  box-shadow: 0 2px 6px 0 rgba(249,178,51,0.10);
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 10px 0 rgba(46,49,146,0.08);
  padding: 22px 20px 18px 20px;
  min-width: 220px;
  margin-bottom: 20px;
  transition: box-shadow .21s, transform .21s;
}
.feature-item:hover {
  box-shadow: 0 6px 28px 0 rgba(46,49,146,0.13);
  transform: translateY(-3px) scale(1.028);
}
.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.contact-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 26px;
}
.contact-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  background: #f7f8fc;
  border-radius: 12px;
  color: #2E3192;
  font-weight: bold;
  font-size: 1.07rem;
  transition: box-shadow 0.18s;
  box-shadow: 0 1px 4px 0 rgba(46,49,146,0.03);
}
.contact-card img {
  width: 28px;
  height: 28px;
}
.contact-card:hover {
  box-shadow: 0 4px 14px 0 rgba(46,49,146,0.10);
}
.google-maps-snippet {
  margin-top: 10px;
  display: flex;
  align-items: center;
  flex-direction: column;
  gap: 8px;
  background: #f9f9fe;
  border-radius: 14px;
  padding: 18px 14px;
  font-size: 1rem;
}
.team-placeholder img {
  width: 120px;
  height: auto;
  border-radius: 16px;
  margin: 18px auto 0 auto;
}
.article-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.article-item {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 8px 0 rgba(46,49,146,0.08);
  padding: 15px 18px 13px 18px;
  margin-bottom: 20px;
  transition: box-shadow .17s;
}
.article-item:hover {
  box-shadow: 0 6px 24px 0 rgba(249,178,51,0.13);
}
.faq-list {
  margin-top: 12px;
  background: #f3f5fd;
  border-radius: 12px;
  padding: 14px 21px 14px 21px;
}
.faq-list h3 { margin-top: 0; font-size: 1.09rem; }

ul li, ol li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 16px;
  color: #2E3192;
  font-size: 1rem;
  font-weight: 500;
}
ul li::before {
  content: '';
  display: inline-block;
  vertical-align: middle;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: #F9B233;
  margin-right: 10px;
  position: absolute;
  left: 0; top: 9px;
}

.card strong, .contact-card strong {
  color: #F9B233;
}

/* CTA BUTTON */
.cta-primary {
  background: linear-gradient(90deg, #2E3192 0%, #3846C0 80%, #F9B233 150%);
  color: #fff;
  padding: 14px 28px;
  border-radius: 42px;
  font-weight: bold;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.16rem;
  letter-spacing: .02em;
  border: none;
  box-shadow: 0 4px 18px 0 rgba(30,32,70,0.10);
  cursor: pointer;
  transition: background .22s, color .22s, box-shadow .21s, transform .22s;
  display: inline-block;
  margin-top: 12px;
}
.cta-primary:hover, .cta-primary:focus {
  background: linear-gradient(100deg, #F9B233 0%, #2E3192 100%);
  color: #fff;
  box-shadow: 0 6px 28px 0 rgba(46,49,146,0.23);
  transform: translateY(-2px) scale(1.04);
  outline: none;
}

/* FOOTER */
footer {
  background: linear-gradient(90deg, #2E3192 0%, #3846C0 80%, #F9B233 180%);
  color: #fff;
  padding: 0;
  border-top-left-radius: 28px;
  border-top-right-radius: 14px;
  box-shadow: 0 -2px 14px 0 rgba(46,49,146,.08);
}
footer .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 30px 20px 24px 20px;
}
.footer-nav {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-nav a {
  color: #fff;
  padding: 3px 10px;
  opacity: 0.80;
  font-size: .99rem;
  border-radius: 6px;
  transition: background 0.16s, color 0.16s;
}
.footer-nav a:hover, .footer-nav a:focus {
  background: #F9B233;
  color: #2E3192;
  opacity: 1;
}
.social-links {
  display: flex;
  align-items: center;
  gap: 16px;
}
.social-links a img {
  width: 30px;
  height: 30px;
  transition: filter .15s, transform .13s;
  filter: grayscale(30%);
}
.social-links a:hover img, .social-links a:focus img {
  filter: grayscale(0%);
  transform: scale(1.08);
}
footer img {
  height: 48px;
}
.legal-info {
  font-size: 0.95rem;
  color: #fff;
  opacity: 0.85;
  margin-top: 0;
  margin-left: 14px;
}

/* COOKIE CONSENT BANNER */
.cookie-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  z-index: 1150;
  width: 100vw;
  background: linear-gradient(90deg, #2E3192 0%, #F9B233 90%);
  box-shadow: 0 -2px 22px 2px rgba(46,49,146,0.08);
  color: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 18px 20px 18px 20px;
  gap: 18px;
  animation: bannerBounceIn 0.65s ease;
}
@keyframes bannerBounceIn {
  0% { transform: translateY(100%); opacity: 0; }
  50% { transform: translateY(-14px); }
  70% { transform: translateY(4px); }
  100% { transform: translateY(0); opacity: 1; }
}
.cookie-banner p {
  color: #fff;
  font-size: 1rem;
}
.cookie-banner .button-group {
  display: flex;
  gap: 14px;
  margin-top: 0;
}
.cookie-banner button {
  border: none;
  outline: none;
  padding: 12px 25px;
  border-radius: 22px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  cursor: pointer;
  font-weight: bold;
  box-shadow: 0 2px 12px 0 rgba(30,32,70,0.05);
  transition: background 0.19s, color 0.19s, transform 0.14s;
  margin: 0 3px;
}
.cookie-banner .accept {
  background: #F9B233;
  color: #2E3192;
}
.cookie-banner .accept:hover, .cookie-banner .accept:focus {
  background: #FFD480;
  color: #2E3192;
}
.cookie-banner .reject {
  background: #fff;
  color: #2E3192;
}
.cookie-banner .reject:hover, .cookie-banner .reject:focus {
  background: #ddd;
  color: #2E3192;
}
.cookie-banner .settings {
  background: #2E3192;
  color: #fff;
  border: 1.5px solid #fff;
}
.cookie-banner .settings:hover, .cookie-banner .settings:focus {
  background: #fff;
  color: #2E3192;
  border: 1.5px solid #F9B233;
}

/* COOKIE PREFERENCES MODAL */
.cookie-modal-backdrop {
  position: fixed;
  left: 0; top: 0;
  width: 100vw; height: 100vh;
  background: rgba(30,32,70, 0.48);
  z-index: 1300;
  display: none;
  align-items: center;
  justify-content: center;
  animation: modalFadeIn .26s cubic-bezier(.8,.9,.6,1);
}
.cookie-modal-backdrop.open {
  display: flex !important;
}
@keyframes modalFadeIn {
  from { opacity:0; }
  to   { opacity:1; }
}
.cookie-modal {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 6px 32px 0 rgba(46,49,146,0.22);
  padding: 32px 24px 26px 24px;
  width: 95vw;
  max-width: 390px;
  color: #2E3192;
  position: relative;
  animation: modalZoom .35s cubic-bezier(.8,.9,.6,1);
}
@keyframes modalZoom {
  from { transform: scale(.78); opacity: 0; }
  to   { transform: scale(1); opacity:1; }
}
.cookie-modal h2 {
  font-size: 1.25rem;
  margin-bottom: 16px;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 1rem;
  font-weight: 600;
}
.cookie-modal label {
  cursor: pointer;
  font-weight: 600;
}
.cookie-modal input[type='checkbox'] {
  accent-color: #2E3192;
  width: 18px; height: 18px;
}
.cookie-modal .essential {
  color: #7a7ca4;
  font-size: .98rem;
  margin-left: 6px;
  font-weight: 500;
}
.cookie-modal .modal-actions {
  display: flex;
  justify-content: flex-end;
  gap: 14px;
  margin-top: 20px;
}
.cookie-modal .modal-close {
  position: absolute;
  right: 20px; top: 18px;
  border: none;
  background: none;
  font-size: 1.8rem;
  cursor: pointer;
  color: #2E3192;
  transition: color 0.15s;
}
.cookie-modal .modal-close:hover,
.cookie-modal .modal-close:focus {
  color: #F9B233;
}
.cookie-modal button {
  border: none;
  outline: none;
  padding: 10px 22px;
  border-radius: 16px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  cursor: pointer;
  font-weight: bold;
  margin: 0 4px;
  transition: background 0.17s, color 0.17s;
}
.cookie-modal .save {
  background: #F9B233; color: #2E3192;
}
.cookie-modal .save:hover, .cookie-modal .save:focus {
  background: #2E3192;
  color: #fff;
}

/* RESPONSIVE DESIGN */
@media (max-width: 1100px) {
  .container { max-width: 94vw; }
}
@media (max-width: 900px) {
  .footer-nav, .social-links {
    gap: 8px;
  }
}
@media (max-width: 800px) {
  .container, .content-wrapper {
    max-width: 100vw;
    padding-left: 10px;
    padding-right: 10px;
  }
  .footer-nav, footer .container {
    flex-wrap: wrap;
  }
}
@media (max-width: 768px) {
  nav { display: none; }
  .mobile-menu-toggle { display: block; }
  .container {
    padding-left: 10px;
    padding-right: 10px;
  }
  .footer-nav, footer .container, .social-links, .contact-cards {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
  header img, footer img {
    height: 38px;
    margin-right: 10px;
  }
  .hero h1 { font-size: 2rem; }
  .hero .content-wrapper { gap: 15px; }
  .features-grid, .content-grid, .card-container, .contact-cards {
    flex-direction: column;
    gap: 16px;
  }
  .section {
    padding: 26px 6px;
    margin-bottom: 36px;
  }
  .testimonial-card, .feature-item, .card {
    padding: 15px 11px;
  }
}
@media (max-width: 520px) {
  .hero h1 { font-size: 1.47rem !important; }
  .container, .content-wrapper {
    padding-left: 2vw;
    padding-right: 2vw;
  }
  .card, .feature-item, .testimonial-card {
    padding: 11px 7px;
    font-size: 0.96rem;
  }
}
@media (max-width: 400px) {
  .hero { padding: 18px 2px; }
  .footer-nav, .legal-info { font-size: 0.86rem; }
}

/* MICRO-INTERACTIONS */
.article-item h3, .feature-item h3, .card strong, .cta-primary, .mobile-nav a, .cookie-banner button {
  will-change: transform;
}
.article-item h3:hover,
.feature-item h3:hover {
  text-shadow: 0 1px 12px #F9B23344;
  color: #F9B233;
}

/* ANIMATIONS FOR MENU SLIDE-IN */
.mobile-menu {
  transition: transform .44s cubic-bezier(.6,.05,.45,1.04);
  will-change: transform;
}
.mobile-menu.open {
  box-shadow: -4px 0 24px 0 rgba(46,49,146,0.2);
}

/* ACCESSIBILITY & FOCUS */
a:focus { outline: 2px solid #F9B233; outline-offset: 2px; }
button:focus { outline: 2px solid #F9B233; outline-offset: 2px; }

/* COLOR CONTRAST TESTIMONIALS */
.testimonial-card { background: #fff; color: #2E3192; }
.testimonial-card p, .testimonial-details { color: #2E3192; }

/* UTILITY CLASSES */
.mb-0 { margin-bottom: 0 !important; }
.mt-0 { margin-top: 0 !important; }
.flex-row { display: flex; flex-direction: row; }
.flex-col { display: flex; flex-direction: column; }
.align-start { align-items: flex-start !important; }
.align-center { align-items: center !important; }
.gap-8 { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }

/* HIDE scroll when modal/mobile menu is open - requires JS toggle */
body.menu-open, body.cookie-modal-open {
  overflow: hidden;
}

/* END OF CSS */