/* RESET & BASE STYLES (MOBILE FIRST) */
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%;
  vertical-align: baseline;
  background: transparent;
  box-sizing: border-box;
}
html {
  font-size: 16px;
  scroll-behavior: smooth;
  background: #F1F6FB;
}
body {
  min-height: 100vh;
  font-family: 'Roboto', Arial, sans-serif;
  color: #192646;
  background: #F1F6FB;
  -webkit-font-smoothing: antialiased;
  line-height: 1.65;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
a {
  color: #21406A;
  text-decoration: none;
  transition: color 0.2s cubic-bezier(.4,1,.55,.98);
  font-weight: 600;
}
a:hover, a:focus {
  color: #E5A23B;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  background: none;
  border: none;
  outline: none;
}
ul, ol {
  list-style-position: outside;
  margin-left: 1.5rem;
}
strong {
  font-weight: 700;
}
hr {
  border: none;
  border-top: 1px solid #dde7f2;
  margin: 32px 0;
}

/* TYPOGRAPHY SCALE & BOLD FONTS (Montserrat for Headings) */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  letter-spacing: -1px;
  color: #21406A;
  margin-bottom: 16px;
}
h1 { font-size: 2.5rem; line-height: 1.12; }
h2 { font-size: 2rem; line-height: 1.2; }
h3 { font-size: 1.375rem; line-height: 1.24; }
h4 { font-size: 1.1rem; line-height: 1.26; }
p, li { font-size: 1rem; color: #20385b; }

@media (min-width: 600px) {
  h1 { font-size: 3rem; }
  h2 { font-size: 2.5rem; }
  h3 { font-size: 1.5rem; }
  body, p, li { font-size: 1.125rem; }
}

/* UTILITY CLASSES */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding-left: 16px;
  padding-right: 16px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}
.text-center { text-align: center; }


/* BUTTONS */
.button, button, .button.primary, .button.secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 28px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  font-size: 1.125rem;
  cursor: pointer;
  transition: background 0.18s cubic-bezier(.4,1,.55,.98), color 0.18s cubic-bezier(.4,1,.55,.98), box-shadow 0.2s;
  padding: 13px 32px;
  min-width: 150px;
  min-height: 48px;
  text-align: center;
  outline: none;
  border: none;
}
.button.primary {
  background: #E5A23B;
  color: #21406A;
  box-shadow: 0 4px 18px 0 rgba(229,162,59,0.15);
}
.button.primary:hover, .button.primary:focus {
  background: #21406A;
  color: #fff;
  box-shadow: 0 8px 24px 0 rgba(33,64,106,0.15);
}
.button.secondary {
  background: #fff;
  color: #21406A;
  border: 2px solid #21406A;
}
.button.secondary:hover, .button.secondary:focus {
  background: #E5A23B;
  color: #21406A;
  border-color: #E5A23B;
}

/* SECTION SPACING */
section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 8px 40px 0 rgba(36,64,106,0.04);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

@media (min-width: 800px) {
  section {
    padding: 56px 40px;
    margin-bottom: 80px;
  }
}

/* HEADER */
header {
  background: #21406A;
  color: #fff;
  width: 100%;
  box-shadow: 0 6px 28px 0 rgba(33,64,106,0.08);
  position: relative;
  z-index: 1020;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 74px;
}
header img {
  height: 44px;
  width: auto;
  margin-right: 8px;
  vertical-align: middle;
}
header nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
header nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  position: relative;
  transition: color 0.18s, background 0.18s;
  padding: 8px 8px;
  border-radius: 8px;
}
header nav a:hover, header nav a.active {
  color: #E5A23B;
  background: rgba(229,162,59,0.08);
}
header .button.primary {
  background: #E5A23B;
  color: #21406A;
}
header .button.primary:hover {
  background: #fff;
}


/* MOBILE NAVIGATION */
.mobile-menu-toggle {
  display: flex;
  background: #E5A23B;
  color: #21406A;
  border-radius: 50%;
  width: 48px;
  height: 48px;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  border: none;
  box-shadow: 0 2px 10px 0 rgba(33,64,106,0.10);
  margin-left: auto;
  margin-right: 8px;
  cursor: pointer;
  transition: background 0.18s, color 0.18s;
  z-index: 1101;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #21406A;
  color: #fff;
}
.mobile-menu,
.mobile-menu[aria-hidden="true"] {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: #192646;
  color: #fff;
  z-index: 2000;
  transform: translateX(-110vw);
  transition: transform 0.33s cubic-bezier(.7,1.4,0.6,1);
  display: flex;
  flex-direction: column;
  padding-top: 48px;
  align-items: flex-start;
  justify-content: flex-start;
}
.mobile-menu[aria-hidden="false"], .mobile-menu.open {
  transform: translateX(0);
  box-shadow: 6px 0 24px 0 rgba(33,64,106,0.35);
}
.mobile-menu-close {
  position: absolute;
  top: 16px;
  right: 20px;
  font-size: 2rem;
  background: #E5A23B;
  color: #21406A;
  border-radius: 50%;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  cursor: pointer;
  z-index: 2300;
}
.mobile-menu-close:focus, .mobile-menu-close:hover {
  background: #fff;
  color: #21406A;
}

.mobile-nav {
  margin-top: 30px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  width: 90vw;
  max-width: 340px;
  padding-left: 24px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: bold;
  color: #E5A23B;
  font-size: 1.25rem;
  background: transparent;
  border-radius: 8px;
  padding: 10px 8px;
  transition: background 0.18s, color 0.18s;
  display: block;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #E5A23B;
  color: #21406A;
}
@media (min-width: 980px) {
  .mobile-menu-toggle {
    display: none;
  }
  .mobile-menu {
    display: none !important;
  }
}
@media (max-width: 979px) {
  header nav, header .button.primary {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}
@media (max-width: 600px) {
  .mobile-nav a {
    font-size: 1.13rem;
    padding: 14px 8px;
  }
}

/* MAIN LAYOUTS & FLEXBOX RULES */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  border-radius: 18px;
  box-shadow: 0 3px 12px 0 rgba(33,64,106,0.11);
  background: #fff;
  padding: 24px;
  transition: box-shadow 0.17s, transform 0.18s;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.card:hover {
  box-shadow: 0 8px 28px 0 rgba(229,162,59,0.15);
  transform: translateY(-4px) scale(1.02);
}
.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: #FDF7E7;
  padding: 20px;
  border-radius: 14px;
  margin-bottom: 24px;
  box-shadow: 0 2px 15px 0 rgba(33,64,106,0.09);
  border-left: 6px solid #E5A23B;
}
.testimonial-card blockquote {
  color: #1A273E;
  font-style: italic;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.15rem;
  margin-bottom: 4px;
}
.testimonial-card span {
  color: #21406A;
  font-weight: 700;
  font-size: 1rem;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* SECTION/COMPONENT: FEATURES GRID */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  width: 100%;
  margin: 20px 0;
}
.feature-grid li {
  background: #F1F6FB;
  border-radius: 16px;
  box-shadow: 0 2px 14px 0 rgba(33,64,106,0.07);
  padding: 28px 20px 24px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  width: 100%;
  max-width: 320px;
  transition: box-shadow 0.15s, transform 0.14s;
}
.feature-grid li:hover {
  box-shadow: 0 8px 32px 0 rgba(229,162,59,0.12);
  transform: translateY(-5px) scale(1.015);
}
.feature-grid img {
  width: 48px;
  height: 48px;
  object-fit: contain;
}
@media (min-width: 600px) {
  .feature-grid {
    justify-content: flex-start;
    gap: 24px 32px;
  }
  .feature-grid li {
    width: calc(50% - 24px);
  }
}
@media (min-width: 1024px) {
  .feature-grid li {
    width: calc(25% - 24px);
    max-width: 340px;
  }
}

/* SECTION: PROCESS STEPS */
.process-steps {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin: 34px 0 26px 0;
}
.process-steps li {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 3px 10px 0 rgba(33,64,106,0.08);
  padding: 22px 20px 22px 20px;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  gap: 18px;
  color: #23446E;
  font-size: 1rem;
}
.process-steps img {
  width: 40px;
  height: 40px;
  margin-right: 8px;
}
.process-steps strong {
  display: block;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.08rem;
  color: #E5A23B;
  margin-bottom: 4px;
}

@media (max-width: 800px) {
  .process-steps li {
    flex-direction: column;
    padding: 18px 14px;
  }
}

/* GUIDE LIST, TIPS, RESOURCES */
.guide-list, .resource-links {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 18px;
  padding-left: 0;
}
.guide-list li, .resource-links li {
  background: #F1F6FB;
  border-radius: 8px;
  padding: 18px 14px;
  font-family: 'Roboto', Arial, sans-serif;
  color: #20385b;
  box-shadow: 0 2px 8px 0 rgba(33,64,106,0.06);
  margin-bottom: 0 !important;
  display: flex;
  align-items: center;
  gap: 12px;
}
.resource-links li img {
  width: 28px;
  height: 28px;
  margin-right: 4px;
}

.tips-list {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 24px;
}
.tip-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  border-radius: 14px;
  background: #FDF7E7;
  border-left: 5px solid #E5A23B;
  box-shadow: 0 3px 12px 0 rgba(229,162,59,0.14);
  padding: 22px 18px 20px 18px;
  min-width: 220px;
  flex: 1 1 220px;
  position: relative;
  transition: box-shadow 0.13s, transform 0.13s;
}
.tip-card img {
  width: 32px;
  height: 32px;
}
.tip-card:hover {
  box-shadow: 0 8px 36px 0 rgba(33,64,106,0.13);
  transform: scale(1.018) translateY(-3px);
}
@media (min-width: 600px) {
  .tips-list {
    flex-direction: row;
    gap: 28px;
  }
}

/* TEAM LIST */
.team-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 18px 0 30px 0;
}
.team-member {
  background: #F1F6FB;
  border-radius: 14px;
  box-shadow: 0 2px 14px 0 rgba(33,64,106,0.07);
  padding: 30px 22px 22px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  min-width: 200px;
  max-width: 240px;
  flex: 1 1 180px;
}
.team-member img {
  width: 54px;
  height: 54px;
  margin-bottom: 8px;
}

blockquote {
  background: #fffbe6;
  border-left: 6px solid #E5A23B;
  padding: 16px 28px;
  border-radius: 10px;
  font-style: italic;
  font-size: 1.1rem;
  color: #23446E;
  margin: 18px 0;
  transition: box-shadow 0.13s;
}
blockquote span {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: #21406A;
  font-style: normal;
  display: block;
  margin-top: 10px;
}

/* FAQ STYLING */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 24px;
}
.faq-item {
  background: #F1F6FB;
  border-radius: 12px;
  padding: 22px 18px 20px 18px;
  box-shadow: 0 3px 12px 0 rgba(33,64,106,0.07);
  margin-bottom: 0;
}
.faq-item h3 {
  margin: 0 0 8px 0;
  color: #E5A23B;
}
.faq-item p {
  color: #20385b;
}

/* CONTACT DETAILS */
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 20px;
  background: #F1F6FB;
  border-radius: 10px;
  box-shadow: 0 2px 8px 0 rgba(33,64,106,0.09);
  padding: 24px 18px;
}
.contact-details img {
  width: 22px;
  margin-right: 7px;
  vertical-align: middle;
}
.text-section p {
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 7px;
  color: #20385b;
}

/* FOOTER STYLES */
footer {
  background: #21406A;
  color: #fff;
  width: 100%;
  padding-top: 26px;
  padding-bottom: 26px;
  border-radius: 26px 26px 0 0;
  box-shadow: 0 -4px 18px 0 rgba(33,64,106,.14);
  font-size: 1rem;
  margin-top: 24px;
  margin-bottom: 0;
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 26px;
  align-items: flex-start;
  justify-content: flex-start;
}
footer img {
  height: 36px;
  margin-bottom: 10px;
}
footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  align-items: center;
  margin-bottom: 0;
}
footer nav a {
  color: #fff;
  font-weight: 600;
  font-size: 1.01rem;
  text-decoration: underline dotted rgba(229,162,59,0.4);
  padding: 3px 8px;
  border-radius: 7px;
}
footer nav a:hover {
  background: #E5A23B;
  color: #21406A;
}
.footer-contact {
  color: #fff;
  font-size: 0.97rem;
  margin-top: 4px;
}
@media (min-width: 900px) {
  footer .container {
    flex-direction: row;
    justify-content: space-between;
    align-items: flex-start;
    gap: 40px;
  }
  .footer-contact {
    min-width: 250px;
    text-align: right;
  }
  footer nav {
    gap: 28px;
  }
}

/* COOKIE CONSENT BANNER & MODALS */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100vw;
  background: #E5A23B;
  color: #21406A;
  padding: 24px 16px 24px 16px;
  box-shadow: 0 -3px 24px 0 rgba(33,64,106,0.18);
  z-index: 3000;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  animation: banner-fade-in 0.9s cubic-bezier(.5,1.1,.85,.85);
}
@keyframes banner-fade-in {
  from { transform: translateY(100%); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-banner .cookie-buttons {
  display: flex;
  gap: 16px;
}
.cookie-banner .button, .cookie-banner button {
  min-width: 120px;
  min-height: 40px;
  font-size: 1rem;
  padding: 8px 22px;
  border-radius: 20px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
}
.cookie-banner .button.accept {
  background: #21406A;
  color: #fff;
  border: none;
}
.cookie-banner .button.accept:hover {
  background: #192646;
}
.cookie-banner .button.reject {
  background: #fff;
  color: #21406A;
  border: 2px solid #21406A;
}
.cookie-banner .button.reject:hover {
  background: #21406A;
  color: #fff;
}
.cookie-banner .button.settings {
  background: #E5A23B;
  color: #21406A;
  border: 2px solid #21406A;
}
.cookie-banner .button.settings:hover {
  background: #fff;
  color: #E5A23B;
  border-color: #E5A23B;
}

/* COOKIE MODAL POPUP */
.cookie-modal-overlay {
  position: fixed;
  top: 0; left:0;
  width: 100vw; height: 100vh;
  background: rgba(32,40,66,0.44);
  z-index: 3500;
  display: flex;
  justify-content: center;
  align-items: center;
  animation: modal-fade-in 0.28s cubic-bezier(.44,1.1,.9,.95);
}
@keyframes modal-fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal {
  background: #fff;
  color: #21406A;
  max-width: 430px;
  width: 94vw;
  border-radius: 18px;
  box-shadow: 0 8px 40px 0 rgba(33,64,106,.19);
  padding: 32px 18px 24px 18px;
  display: flex;
  flex-direction: column;
  gap: 15px;
  position: relative;
}
.cookie-modal h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.2rem;
  color: #E5A23B;
  margin-bottom: 10px;
  margin-top: 0;
}
.cookie-modal .modal-close {
  position: absolute;
  top: 14px;
  right: 18px;
  background: #E5A23B;
  color: #21406A;
  font-size: 1.5rem;
  border-radius: 50%;
  border: none;
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
}
.cookie-modal .modal-close:hover {
  background: #21406A;
  color: #fff;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 13px 0;
}
.cookie-category label {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: #21406A;
}
.cookie-toggle {
  width: 48px; height: 28px;
  border-radius: 18px;
  background: #E5A23B;
  position: relative;
  cursor: pointer;
  transition: background 0.15s;
  display: flex; align-items: center;
}
.cookie-toggle input[type="checkbox"] {
  appearance: none;
  width: 0; height: 0;
  position: absolute; left: -9999px;
}
.cookie-toggle span {
  width: 22px; height: 22px;
  background: #21406A;
  border-radius: 50%;
  display: block;
  position: absolute; left: 3px; top: 3px;
  transition: left 0.17s;
}
.cookie-toggle input[type="checkbox"]:checked + span {
  background: #08D9D6;
  left: 23px;
}
.cookie-modal .category-desc {
  font-size: 0.98rem;
  color: #20385b;
  margin-top: 2px;
  margin-left: 30px;
}
.cookie-modal .button.save {
  margin-top: 16px;
  background: #21406A;
  color: #fff;
  border-radius: 20px;
  font-weight: 700;
  min-width: 120px;
  min-height: 38px;
}
.cookie-modal .button.save:hover {
  background: #E5A23B;
  color: #21406A;
}

/* GENERAL RESPONSIVE LAYOUTS */
@media (max-width: 768px) {
  section, .card, .faq-item, .testimonial-card, .feature-grid li, .team-member, .tip-card {
    padding-left: 12px;
    padding-right: 12px;
  }
  .feature-grid {
    flex-direction: column;
    gap: 20px;
  }
  .content-wrapper {
    gap: 16px;
  }
  .text-image-section {
    flex-direction: column;
    align-items: center;
    gap: 18px;
  }
  .team-list {
    flex-direction: column;
  }
  .tips-list {
    flex-direction: column;
  }
}

/* Vibrant/Energetic Electric Accents */
::selection {
  background: #E5A23B;
  color: #21406A;
}
.button, .button.primary, .button.secondary, .mobile-menu-toggle, .mobile-menu-close, .cookie-banner .button, .cookie-modal .button {
  box-shadow: 0 6px 18px 0 rgba(229,162,59,0.13);
}

/* Exaggerated vibrant accent on important elements for impact */
.button.primary, .mobile-menu-toggle {
  border: 2px solid #E5A23B;
  font-weight: 800;
}

/* Animations for energy */
.button:active, .button.primary:active, .mobile-menu-toggle:active {
  transform: scale(0.96);
  filter: brightness(0.93);
}
section, .card, .tip-card, .testimonial-card, .feature-grid li, .team-member, .faq-item {
  transition: box-shadow 0.15s, transform 0.16s;
}

/* Micro-interactions */
.card, .testimonial-card, .tip-card, .feature-grid li {
  cursor: pointer;
}
.card:active, .feature-grid li:active, .tip-card:active, .testimonial-card:active {
  transform: scale(0.984);
}

/* Spacing and Hierarchy */
section + section {
  margin-top: 14px;
}
.card + .card, .faq-item + .faq-item, .testimonial-card + .testimonial-card {
  margin-top: 20px;
}

/* Input & Form Styles (fallback) */
input, textarea, select {
  border: 2px solid #F1F6FB;
  background: #fff;
  font-size: 1.08rem;
  padding: 10px 13px;
  border-radius: 9px;
  margin-bottom: 14px;
  transition: border 0.14s;
}
input:focus, textarea:focus, select:focus {
  border: 2px solid #E5A23B;
}

/* SCROLLBAR for modern browsers */
::-webkit-scrollbar { width: 7px; background: #E5A23B22; }
::-webkit-scrollbar-thumb { background: #E5A23B; border-radius: 5px; }

/* Z-INDEXS: header:1020, mobile menu:2000, cookie:3000, modal:3300+ */

/* FONT FACES (fallbacks) */
@font-face {
  font-family: 'Montserrat';
  font-style: normal;
  font-weight: 400;
  src: local('Montserrat'), local('Montserrat-Regular');
}
@font-face {
  font-family: 'Roboto';
  font-style: normal;
  font-weight: 400;
  src: local('Roboto'), local('Roboto-Regular');
}