/* 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, table, caption, tbody, tfoot, thead, tr, th, td, article, aside, canvas, details, embed, figure, figcaption, footer, header, hgroup, main, nav, output, ruby, section, summary, time, mark, audio, video {
  margin: 0;
  padding: 0;
  border: 0;
  vertical-align: baseline;
  background: transparent;
  box-sizing: border-box;
}
article, aside, details, figcaption, figure, footer, header, hgroup, main, nav, section {
  display: block;
}
body {
  line-height: 1.5;
  background: #fff;
  color: #102542;
  min-height: 100vh;
  font-size: 16px;
  font-family: 'Open Sans', Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}
img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}
a {
  color: #102542;
  background: none;
  text-decoration: none;
  transition: color 0.18s ease;
}
a:focus,
a:hover {
  color: #FDB833;
  outline: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: 100%;
  border: none;
  outline: none;
  background: none;
}
ul, ol {
  list-style: none;
}

/* BRAND FONTS */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Roboto Slab', Georgia, serif;
  color: #102542;
  font-weight: 700;
  letter-spacing: 0.01em;
}

/* TYPOGRAPHY SCALE */
h1 {
  font-size: 2.75rem;
  margin-bottom: 24px;
  line-height: 1.1;
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
  line-height: 1.15;
}
h3 {
  font-size: 1.35rem;
  margin-bottom: 16px;
}
h4, h5, h6 {
  font-size: 1.1rem;
  margin-bottom: 12px;
}
p, ul, ol, li {
  font-size: 1rem;
  color: #222e3a;
  margin-bottom: 12px;
}
strong {
  font-weight: 700;
}

@media (max-width: 576px) {
  h1 {
    font-size: 2rem;
  }
  h2 {
    font-size: 1.4rem;
  }
  h3 {
    font-size: 1.1rem;
  }
}

/* SPACING & CONTAINER */
.container {
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  flex-direction: column;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.section {
  width: 100%;
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
}
@media (max-width: 768px) {
  .section {
    padding: 24px 10px;
    margin-bottom: 36px;
  }
  .container {
    padding: 0 7px;
  }
}

/* FLEXBOX LAYOUTS AS REQUIRED */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(16,37,66,0.04);
  padding: 24px 20px;
  position: relative;
  margin-bottom: 20px;
  min-width: 260px;
}
.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 {
    flex-direction: column;
    gap: 16px;
    align-items: flex-start;
  }
  .card-container, .content-grid {
    flex-direction: column;
    gap: 18px;
  }
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 20px;
  background: #f7f9fb;
  border-radius: 16px;
  margin-bottom: 24px;
  box-shadow: 0 1.5px 10px rgba(16,37,66,0.06);
  max-width: 540px;
}
.testimonial-card p {
  color: #102542;
  font-size: 1.08rem;
  margin-bottom: 0;
}
.testimonial-card span {
  font-size: 0.98rem;
  color: #36455a;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: flex-start;
}
.features-grid > div {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 10px rgba(16,37,66,0.07);
  flex: 1 1 220px;
  min-width: 210px;
  max-width: 290px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
}
@media (max-width: 768px) {
  .features-grid {
    flex-direction: column;
    gap: 20px;
  }
  .features-grid > div {
    max-width: 100%;
  }
}

/* HERO BANNER */
.hero {
  background: #F7F9FB;
  padding: 50px 0 48px 0;
  margin-bottom: 60px;
}
.hero .container {
  align-items: center;
  justify-content: center;
}
.hero .content-wrapper {
  align-items: center;
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.hero h1 {
  color: #102542;
  margin-bottom: 16px;
}
.hero p {
  color: #36455a;
  margin-bottom: 24px;
  font-size: 1.13rem;
}
@media (max-width: 768px) {
  .hero {
    padding: 28px 0;
    margin-bottom: 34px;
  }
  .hero .content-wrapper {
    padding: 0 2px;
  }
}

/* BUTTONS */
.btn-primary, .btn-secondary {
  display: inline-block;
  font-family: 'Open Sans', Arial, sans-serif;
  padding: 12px 34px;
  border-radius: 25px;
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  transition: background 0.22s, color 0.18s, box-shadow 0.18s;
  box-shadow: 0 1px 6px rgba(16,37,66,0.10);
  border: none;
  text-align: center;
  min-width: 156px;
  cursor: pointer;
}
.btn-primary {
  background: #102542;
  color: #fff;
}
.btn-primary:hover,
.btn-primary:focus {
  background: #FDB833;
  color: #102542;
  box-shadow: 0 3px 16px rgba(253,184,51,0.18);
}
.btn-secondary {
  background: #FDB833;
  color: #102542;
}
.btn-secondary:hover,
.btn-secondary:focus {
  background: #102542;
  color: #fff;
  box-shadow: 0 2.5px 12px rgba(16,37,66,0.14);
}

/* NAVIGATION */
header {
  background: #fff;
  border-bottom: 1px solid #edf1f5;
  position: sticky;
  top: 0;
  z-index: 30;
}
.nav-bar {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 0 8px 0;
}
.main-nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 30px;
}
.main-nav a {
  font-size: 1rem;
  color: #102542;
  font-weight: 400;
  opacity: 0.92;
  padding: 3px 0;
  position: relative;
}
.main-nav a:after {
  content: '';
  display: block;
  margin: 0 auto;
  height: 2px;
  width: 0%;
  background: #FDB833;
  transition: width 0.18s;
}
.main-nav a:hover:after,
.main-nav a.active:after {
  width: 48%;
}
.main-nav a:hover {
  color: #FDB833;
}
header img {
  height: 36px;
  width: auto;
}
/* Responsive Main Nav */
@media (max-width: 992px) {
  .main-nav {
    gap: 18px;
  }
}
@media (max-width: 768px) {
  .main-nav,
  .btn-primary {
    display: none !important;
  }
  .nav-bar {
    padding: 18px 0 3px 0;
  }
}

/* MOBILE MENU */
.mobile-menu-toggle {
  display: none;
  background: #102542;
  color: #fff;
  border-radius: 7px;
  width: 44px;
  height: 44px;
  justify-content: center;
  align-items: center;
  font-size: 2rem;
  border: none;
  position: absolute;
  top: 17px;
  right: 14px;
  z-index: 100;
  transition: background 0.18s;
  box-shadow: 0 2px 6px rgba(16,37,66,0.10);
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover {
  background: #FDB833;
  color: #102542;
}
@media (max-width: 768px) {
  .mobile-menu-toggle {
    display: flex;
  }
}

.mobile-menu {
  position: fixed;
  z-index: 999;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: #f7f9fb;
  box-shadow: 0 0 50px rgba(16,37,66,0.15);
  transform: translateX(-110%);
  transition: transform 0.35s cubic-bezier(0.73,0.16,0.32,1);
  display: flex;
  flex-direction: column;
  padding-top: 32px;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  position: absolute;
  right: 22px;
  top: 22px;
  background: #102542;
  color: #fff;
  border: none;
  border-radius: 7px;
  width: 44px;
  height: 44px;
  font-size: 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1001;
  transition: background 0.18s;
}
.mobile-menu-close:focus,
.mobile-menu-close:hover {
  background: #FDB833;
  color: #102542;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  margin-top: 78px;
  padding-left: 32px;
}
.mobile-nav a {
  font-size: 1.15rem;
  font-weight: 500;
  color: #102542;
  padding: 12px 0;
  border-radius: 7px;
  width: 100%;
  transition: background 0.16s, color 0.16s;
}
.mobile-nav a:focus,
.mobile-nav a:hover {
  background: #FDB833;
  color: #102542;
}

/* FOOTER */
footer {
  background: #F7F9FB;
  border-top: 1px solid #e2e5ec;
  padding: 32px 0 16px 0;
  color: #102542;
  font-size: 0.99rem;
  letter-spacing: 0.01em;
}
.footer-nav {
  display: flex;
  flex-direction: row;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-nav nav {
  display: flex;
  flex-direction: row;
  gap: 22px;
  flex-wrap: wrap;
}
.footer-nav nav a {
  color: #102542;
  opacity: 0.84;
  transition: color 0.17s;
  font-size: 1rem;
}
.footer-nav nav a:hover {
  color: #FDB833;
  opacity: 1;
}
.footer-contact {
  color: #36455a;
  max-width: 470px;
  font-size: 0.95rem;
}
.footer-contact p {
  margin-bottom: 7px;
}
@media (max-width: 768px) {
  .footer-nav {
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
  }
  .footer-contact {
    max-width: 100%;
  }
}

/* TEXT SECTIONS, LISTS, GENERAL */
.text-section {
  margin-bottom: 18px;
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.text-section ul,
.text-section ol {
  list-style-type: disc;
  padding-left: 20px;
  margin-bottom: 12px;
  color: #36455a;
}
.text-section ul li,
.text-section ol li {
  margin-bottom: 7px;
  font-size: 1rem;
}
.text-section img {
  display: inline;
  vertical-align: middle;
  height: 18px;
  width: auto;
  margin-right: 7px;
}
@media (max-width: 768px) {
  .text-section {
    gap: 8px;
  }
}

/* ARTICLE SUMMARY CARDS / BLOG */
ul > li > h3 {
  font-size: 1.15rem;
  margin-bottom: 6px;
}
ul > li > p {
  font-size: 1rem;
  margin-bottom: 5px;
}
ul > li > a {
  font-size: 0.99rem;
  color: #FDB833;
  text-decoration: underline;
  margin-top: 2px;
}
ul > li > a:hover {
  color: #102542;
  background: #f7f9fb;
}

/* CARDS GENERIC */
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 8px;
}

/* TABLES (default / legal pages) */
table {
  border-collapse: collapse;
  width: 100%;
  margin-bottom: 28px;
}
th, td {
  border: 1px solid #e2e5ec;
  padding: 8px 14px;
  text-align: left;
  font-size: 1rem;
}

/* OL, LEGAL LIST SECTIONS */
ol {
  list-style-type: decimal;
  margin-bottom: 20px;
  margin-left: 22px;
}
ol li {
  margin-bottom: 6px;
}

/* GENERAL SPACING */
section {
  margin-bottom: 60px;
  padding: 0;
  width: 100%;
}
@media (max-width: 768px) {
  section {
    margin-bottom: 38px;
  }
}

/* SUBTLE SHADOWS / CARD FEEL */
.card, .features-grid > div, .testimonial-card {
  box-shadow: 0 2px 14px rgba(16,37,66,0.06);
}

/* INTERACTION & MICRO-ANIMATION */
.btn-primary,
.btn-secondary,
header .main-nav a,
.mobile-nav a,
.mobile-menu-toggle,
.mobile-menu-close {
  transition: background 0.18s, color 0.14s, box-shadow 0.20s, border 0.17s;
}
.card, .features-grid > div, .testimonial-card {
  transition: box-shadow 0.17s, transform 0.13s;
}
.card:hover, .features-grid > div:hover, .testimonial-card:hover {
  box-shadow: 0 6px 28px rgba(16,37,66,0.14);
  transform: translateY(-3px) scale(1.01);
}

/* FOCUS VISIBLE */
a:focus, .btn-primary:focus, .btn-secondary:focus {
  outline: 2px solid #FDB833;
  outline-offset: 2px;
}

/* COOKIE CONSENT BANNER */
#cookie-consent-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: #fff;
  color: #102542;
  border-top: 1px solid #e2e5ec;
  box-shadow: 0 -1.5px 14px 0 rgba(16,37,66,0.08);
  padding: 18px 20px 16px 20px;
  z-index: 1200;
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 22px;
  justify-content: center;
  transition: transform 0.31s cubic-bezier(0.7,0.05,0.32,1), opacity 0.22s;
}
#cookie-consent-banner.hide {
  transform: translateY(120%);
  opacity: 0;
  pointer-events: none;
}
#cookie-consent-banner p {
  font-size: 1rem;
  flex: 1 1 0;
  margin-bottom: 0;
  color: #102542;
}
#cookie-consent-banner .cookie-btn {
  margin-left: 8px;
  margin-right: 8px;
}
#cookie-consent-banner .cookie-btn,
#cookie-consent-banner .cookie-settings-btn {
  min-width: 110px;
  padding: 8.5px 22px;
  border-radius: 21px;
  border: none;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.14s, color 0.17s;
}
#cookie-consent-banner .cookie-btn.accept {
  background: #FDB833;
  color: #102542;
}
#cookie-consent-banner .cookie-btn.reject {
  background: #f7f9fb;
  color: #102542;
  border: 1px solid #dbe4ec;
}
#cookie-consent-banner .cookie-settings-btn {
  background: #102542;
  color: #fff;
}
#cookie-consent-banner .cookie-btn.accept:hover,
#cookie-consent-banner .cookie-settings-btn:hover {
  background: #102542;
  color: #fff;
}
#cookie-consent-banner .cookie-btn.reject:hover {
  background: #fff;
  border-color: #FDB833;
}
@media (max-width: 768px) {
  #cookie-consent-banner {
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
    padding: 18px 8px 12px 12px;
  }
  #cookie-consent-banner p {
    margin-bottom: 5px;
  }
}

/* COOKIE SETTINGS MODAL */
#cookie-modal {
  position: fixed;
  left: 50%;
  top: 50%;
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 12px 40px 0 rgba(16,37,66,0.18);
  padding: 38px 28px;
  z-index: 1255;
  width: 100%;
  max-width: 410px;
  max-height: 90vh;
  transform: translate(-50%, -52%) scale(1);
  opacity: 1;
  display: none;
  flex-direction: column;
  gap: 18px;
  overflow-y: auto;
  transition: opacity 0.19s, transform 0.23s;
}
#cookie-modal.show {
  display: flex;
}
#cookie-modal h2 {
  font-size: 1.34rem;
  margin-bottom: 10px;
}
#cookie-modal .modal-section {
  margin-bottom: 16px;
}
#cookie-modal .modal-section label {
  font-size: 1.08rem;
  font-weight: 500;
  display: flex;
  align-items: center;
}
#cookie-modal input[type="checkbox"] {
  margin-right: 8px;
  accent-color: #FDB833;
  width: 18px;
  height: 18px;
}
#cookie-modal .modal-actions {
  margin-top: 8px;
  display: flex;
  flex-direction: row;
  gap: 18px;
  justify-content: flex-end;
}
#cookie-modal .modal-actions .cookie-btn {
  min-width: 110px;
  padding: 8.5px 22px;
  border-radius: 21px;
  border: none;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
}
#cookie-modal .modal-actions .cookie-btn.save {
  background: #FDB833;
  color: #102542;
}
#cookie-modal .modal-actions .cookie-btn.cancel {
  background: #f7f9fb;
  color: #102542;
  border: 1px solid #dbe4ec;
}
#cookie-modal .modal-actions .cookie-btn.save:hover {
  background: #102542;
  color: #fff;
}
#cookie-modal .modal-actions .cookie-btn.cancel:hover {
  background: #fff;
  border-color: #FDB833;
}
#cookie-modal .modal-close {
  position: absolute;
  right: 14px; top: 14px;
  font-size: 1.35rem;
  background: none;
  border: none;
  color: #b0bdce;
  cursor: pointer;
}
#cookie-modal .modal-close:hover {
  color: #FDB833;
}
@media (max-width: 480px) {
  #cookie-modal {
    padding: 18px 7px;
    border-radius: 13px;
    max-width: 96vw;
  }
}

/* UTILS */
.hide {
  display: none !important;
}

/* SCROLLBAR MINIMAL */
body {
  scrollbar-color: #dfe6ef #fff;
  scrollbar-width: thin;
}
body::-webkit-scrollbar {
  width: 6px;
  background: #fff;
}
body::-webkit-scrollbar-thumb {
  background: #dfe6ef;
  border-radius: 3px;
}

/* ------- MEDIA QUERIES FOR LAYOUTS ------- */
@media (max-width: 768px) {
  .container, .section, .content-wrapper {
    padding-left: 5px;
    padding-right: 5px;
  }
  .footer-nav {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
}
@media (max-width: 480px) {
  .btn-primary, .btn-secondary {
    padding: 11px 12px;
    min-width: 110px;
    font-size: 0.98rem;
  }
  .hero {
    padding: 10px 0 18px 0;
  }
  h1, h2, h3, h4 {
    margin-bottom: 6px;
  }
}

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