/* 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, caption, tbody, tfoot, thead, tr, th, td, article, aside, canvas, details, embed, figure, figcaption, footer, header, hgroup, main, 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 {
  scroll-behavior: smooth;
}
body {
  min-height: 100vh;
  background: #E6ECEF;
  color: #1A345D;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  letter-spacing: 0.01em;
}
img, picture, video, canvas, svg {
  display: inline-block;
  max-width: 100%;
  height: auto;
}
a {
  color: #F2B441;
  text-decoration: none;
  transition: color 0.2s;
  font-weight: 700;
}
a:hover, a:focus {
  color: #1A345D;
  background: #F2B441;
  border-radius: 6px;
  outline: none;
  transition: background 0.2s, color 0.2s;
}
ul, ol {
  padding-left: 24px;
}
button {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  cursor: pointer;
  border: none;
  background: none;
  outline: none;
}
h1, h2, h3, h4, h5, h6 {
  color: #1A345D;
  margin-bottom: 16px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.01em;
}
h1 {
  font-size: 2.5rem;
  color: #1A345D;
}
h2 {
  font-size: 2rem;
  color: #F2B441;
  text-transform: uppercase;
}
h3 {
  font-size: 1.25rem;
}
blockquote {
  font-size: 1.1rem;
  font-style: italic;
  color: #1A345D;
  margin-bottom: 12px;
  margin-top: 0;
}
cite {
  display: block;
  font-size: 0.96rem;
  color: #888;
  font-style: normal;
  margin-top: 6px;
}
strong {
  font-weight: bold;
}
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 6px 24px rgba(26,52,93,0.08), 0 1.5px 5px rgba(242,180,65,0.07);
  display: flex;
  flex-direction: column;
  gap: 28px;
}
/* HEADER & NAVIGATION */
header {
  background: #fff;
  box-shadow: 0 2px 14px rgba(26,52,93,0.10);
  border-bottom: 4px solid #F2B441;
  position: sticky;
  top: 0; left: 0; right: 0;
  z-index: 200;
}
header .container {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 14px 20px;
}
header img {
  max-height: 48px;
}
header nav {
  display: flex;
  flex-direction: row;
  gap: 24px;
  align-items: center;
}
header nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.02rem;
  color: #1A345D;
  transition: color 0.2s, background 0.2s;
  padding: 6px 10px;
  border-radius: 8px;
}
header nav a:hover, header nav a.active {
  background: #F2B441;
  color: #1A345D;
}
.cta-btn {
  background: #F2B441;
  color: #1A345D;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: bold;
  font-size: 1.08rem;
  letter-spacing: 0.02em;
  padding: 12px 28px;
  border-radius: 30px;
  box-shadow: 0 4px 16px rgba(242,180,65,0.10);
  display: inline-block;
  transition: background 0.22s, color 0.22s, transform 0.17s;
  border: 2px solid #F2B441;
  margin-left: 12px;
}
.cta-btn:hover, .cta-btn:focus {
  background: #1A345D;
  color: #fff;
  border-color: #1A345D;
  transform: translateY(-2px) scale(1.05) skew(-1deg);
  outline: none;
}
.mobile-menu-toggle {
  display: none;
  position: fixed;
  top: 24px;
  right: 28px;
  z-index: 350;
  background: #F2B441;
  color: #1A345D;
  border-radius: 50%;
  padding: 10px 18px;
  font-size: 2rem;
  box-shadow: 0 2px 16px rgba(242,180,65, 0.16);
  border: 2px solid #1A345D;
  transition: background 0.18s, color 0.18s;
}
.mobile-menu-toggle:active, .mobile-menu-toggle:focus {
  background: #1A345D;
  color: #fff;
  outline: none;
}
.mobile-menu {
  display: flex;
  flex-direction: column;
  background: #1A345D;
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  z-index: 500;
  transform: translateX(105%);
  transition: transform 0.4s cubic-bezier(0.77,0,0.175,1);
  box-shadow: 0 0 80px 0 rgba(26,52,93,0.35);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 26px 18px 0 0;
  background: #F2B441;
  color: #1A345D;
  border-radius: 50%;
  font-size: 2.2rem;
  padding: 5px 17px 3px 17px;
  border: 2px solid #1A345D;
  box-shadow: 0 2px 14px rgba(242,180,65,0.19);
  transition: background 0.18s, color 0.18s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #fff;
  color: #F2B441;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  margin: 60px 0 0 0;
  gap: 30px;
  align-items: flex-start;
  padding: 0 36px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.45rem;
  padding: 10px 0;
  font-weight: 600;
  border-radius: 8px;
  transition: background 0.2s, color 0.22s;
  width: 100%;
  display: block;
}
.mobile-nav a:hover, .mobile-nav a.active {
  background: #F2B441;
  color: #1A345D;
  padding-left: 10px;
}
/* HERO SECTION */
.hero {
  background: #1A345D;
  color: #fff;
  padding: 80px 0 60px 0;
  border-radius: 0 0 36px 36px;
  box-shadow: 0 8px 32px rgba(26,52,93,0.14);
  margin-bottom: 60px;
}
.hero .container {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 20px;
}
.hero .content-wrapper {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  max-width: 630px;
  text-align: center;
}
.hero h1 {
  color: #F2B441;
  font-size: 2.7rem;
  text-shadow: 0 2px 10px rgba(26,52,93,0.10);
  letter-spacing: -0.012em;
}
.hero p {
  color: #fff;
  font-size: 1.25rem;
}
.hero .cta-btn {
  margin-top: 16px;
  font-size: 1.15rem;
}
/* GENERAL SPACING UTILS */
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: flex-start;
  margin-bottom: 24px;
}
.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 16px;
  width: 100%;
}
.feature {
  background: #E6ECEF;
  border-radius: 17px;
  padding: 28px 20px 20px 20px;
  box-shadow: 0 2px 16px rgba(26,52,93,0.07), 0 2px 10px rgba(242,180,65,0.04);
  min-width: 230px;
  flex: 1 1 260px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  margin-bottom: 16px;
  border: 2px solid #F2B4411A;
  position: relative; /* for possible icons/effects */
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.3s;
}
.feature img {
  width: 48px;
  height: 48px;
  margin-bottom: 10px;
  filter: drop-shadow(0 6px 12px #F2B44144);
}
.feature h3 {
  font-size: 1.18rem;
  color: #1A345D;
  margin: 0 0 7px 0;
}
.feature p {
  color: #213463;
  font-size: 1rem;
}
.feature strong {
  color: #F2B441;
}
.feature:hover, .feature:focus {
  border-color: #F2B441;
  box-shadow: 0 8px 32px rgba(26,52,93,0.12), 0 4px 18px #F2B44139;
  transform: translateY(-3px) scale(1.025);
  z-index: 2;
}
.features-grid > .feature:last-child {
  margin-right: 0;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.text-section ul {
  list-style: disc inside;
  margin-bottom: 12px;
}
.text-section h3 {
  margin-top: 20px;
  color: #1A345D;
}
.text-section p {
  font-size: 1rem;
  color: #1A345D;
  margin-bottom: 6px;
}
.text-section small {
  color: #868686;
}
.text-section li {
  margin-bottom: 7px;
}
/* Testimonial Cards */
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 27px;
  margin-bottom: 20px;
  background: #FDFDFD;
  border-radius: 16px;
  box-shadow: 0 2px 20px 0 rgba(26,52,93,0.07), 0 1.5px 6px rgba(242,180,65,0.08);
  border-left: 6px solid #F2B441;
  max-width: 700px;
}
.testimonial-card blockquote {
  color: #1A345D;
}
.testimonial-card cite {
  color: #1A345DAA;
  font-weight: 500;
}
/* Ensure testimonial text is dark-on-light */
.testimonial-card {
  color: #1A345D;
  background: #FDFDFD;
}

/* Footer */
footer {
  background: #1A345D;
  color: #fff;
  width: 100%;
  padding: 40px 0 30px 0;
  border-top: 6px solid #F2B441;
}
footer .container {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 40px;
  align-items: flex-start;
  justify-content: space-between;
}
.footer-menu {
  display: flex;
  gap: 24px;
  flex-direction: column;
  min-width: 160px;
}
.footer-menu a {
  color: #F2B441;
  font-size: 0.96rem;
  font-family: 'Montserrat', Arial, sans-serif;
  padding: 2px 0;
  border-radius: 6px;
  transition: background 0.2s, color 0.22s;
}
.footer-menu a:hover, .footer-menu a:focus {
  background: #fff;
  color: #1A345D;
}
.footer-brand {
  display: flex;
  align-items: center;
  justify-content: center;
}
.footer-brand img {
  max-height: 45px;
}
.footer-contact {
  font-size: 0.92rem;
  color: #fff;
}
.footer-contact a {
  color: #F2B441;
  word-break: break-all;
}
/* Cookie Consent Banner */
.cookie-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100vw;
  background: #1A345D;
  color: #fff;
  padding: 28px 20px 20px 20px;
  z-index: 9999;
  box-shadow: 0 -8px 38px rgba(26,52,93,.08);
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  font-size: 1rem;
  opacity: 1;
  transition: opacity 0.33s;
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-banner .cookie-text {
  flex: 1 1 480px;
  font-size: 1.04rem;
  color: #fff;
}
.cookie-actions {
  display: flex;
  gap: 16px;
}
.cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 30px;
  background: #F2B441;
  color: #1A345D;
  border: 2px solid #F2B441;
  margin: 0 2px;
  font-size: 1rem;
  transition: background 0.16s, color 0.16s, border 0.2s, transform 0.11s;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #fff;
  color: #1A345D;
  border-color: #F2B441;
  transform: scale(1.1);
}
.cookie-btn.reject {
  background: #fff;
  color: #1A345D;
  border-color: #F2B441;
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #F2B441;
  color: #fff;
}

/* Cookie Preferences Modal */
.cookie-modal {
  position: fixed;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(26,52,93,0.76);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10001;
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0.33s;
}
.cookie-modal.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal-content {
  background: #fff;
  color: #1A345D;
  border-radius: 24px;
  max-width: 420px;
  min-width: 270px;
  width: 90%;
  padding: 36px 26px 26px 26px;
  box-shadow: 0 7px 44px 0 rgba(26,52,93,0.18);
  display: flex;
  flex-direction: column;
  gap: 20px;
  font-size: 1.07rem;
  position: relative;
  z-index: 10;
}
.cookie-modal-content h3 {
  font-size: 1.36rem;
  color: #F2B441;
  margin-bottom: 7px;
  font-weight: 800;
}
.cookie-modal-content label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 9px 0;
}
.cookie-modal-content input[type='checkbox'] {
  accent-color: #F2B441;
  width: 21px; height: 21px;
}
.cookie-options {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.cookie-modal-content .btn-row {
  display: flex;
  gap: 14px;
  justify-content: flex-end;
  margin-top: 18px;
}
.cookie-modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: #F2B441;
  color: #1A345D;
  border-radius: 50%;
  font-size: 1.4rem;
  border: 2px solid #1A345D;
  width: 36px; height: 36px;
  display: flex;
  justify-content: center;
  align-items: center;
  transition: background 0.19s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: #fff;
}
/* Utility & Pattern Classes (SPACING & FLEX) */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 2px 14px rgba(26,52,93,0.09), 0 2px 10px rgba(242,180,65,0.05);
  padding: 24px;
}
.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;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
/* END UTILITY */
/* Animations */
@keyframes vibrate {
  0%, 100% { transform: scale(1) rotate(0deg); }
  30% { transform: scale(1.02) rotate(-1deg); }
  60% { transform: scale(1.03) rotate(1deg); }
}
.cta-btn, .feature, .cookie-btn {
  transition: background 0.2s, color 0.2s, box-shadow 0.15s, transform 0.18s;
}
.cta-btn:active, .feature:active, .cookie-btn:active {
  animation: vibrate 0.17s linear 1;
}
/* Responsive Design */
@media (max-width: 1200px) {
  .container {
    max-width: 98vw;
  }
  footer .container {
    gap: 18px;
    flex-wrap: wrap;
  }
}
@media (max-width: 900px) {
  .footer-menu {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 14px;
    min-width: unset;
  }
  .footer-contact {
    font-size: 0.95rem;
  }
}
@media (max-width: 900px) {
  .features-grid, .content-grid {
    gap: 15px;
  }
  .feature {
    min-width: 170px;
    padding: 19px 10px 13px 10px;
  }
  .section {
    padding: 25px 6px;
    gap: 19px;
  }
  header .container {
    gap: 10px;
    padding: 8px 7px;
  }
}
@media (max-width: 768px) {
  body {
    font-size: 15px;
  }
  .hero {
    padding: 42px 0 32px 0;
    margin-bottom: 36px;
    border-radius: 0 0 22px 22px;
  }
  .hero h1 {
    font-size: 1.8rem;
  }
  .hero .container {
    gap: 13px;
  }
  .section {
    padding: 20px 0.5rem;
    margin-bottom: 32px;
    gap: 15px;
  }
  .content-wrapper {
    gap: 18px;
    margin-bottom: 14px;
  }
  .features-grid, .content-grid {
    flex-direction: column;
    gap: 13px;
  }
  .feature {
    min-width: unset;
    width: 100%;
    padding: 15px 10px 11px 10px;
  }
  .testimonial-card {
    flex-direction: column;
    gap: 13px;
    padding: 17px 10px;
    font-size: 0.98rem;
  }
  .footer-menu {
    flex-direction: column;
    gap: 10px;
    align-items: flex-start;
  }
  footer .container {
    flex-direction: column;
    gap: 22px;
    align-items: flex-start;
  }
  .mobile-menu-toggle {
    display: block;
  }
  header nav, .cta-btn {
    display: none;
  }
}
@media (max-width: 520px) {
  .container {
    padding: 0 5px;
  }
  .section {
    border-radius: 10px;
    margin-bottom: 20px;
    padding: 11px 2px;
  }
  .hero {
    border-radius: 0 0 12px 12px;
  }
  .footer-brand img {
    max-height: 33px;
  }
  .footer-contact {
    font-size: 0.87rem;
  }
  .cookie-banner {
    padding: 16px 6px 12px 6px;
    flex-direction: column;
    gap: 14px;
  }
}
/* Hide scroll background when mobile menu is open */
body.menu-open {
  overflow: hidden;
}