/* ======================================================
   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, 
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 {
  box-sizing: border-box;
  font-size: 16px;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  line-height: 1.5;
  background-color: #F1F4FB;
  color: #1a2336;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  font-weight: 400;
}
img {
  max-width: 100%;
  display: block;
}
a {
  color: #18409A;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #F58220;
}
ul, ol {
  list-style: none;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #18409A;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}
h1 { font-size: 2.75rem; line-height: 1.15; }
h2 { font-size: 2rem; line-height: 1.15; }
h3 { font-size: 1.375rem; line-height: 1.2; }
h4, h5, h6 { font-size: 1.1rem; margin-bottom: 14px; }
p {
  font-size: 1.125rem;
  margin-bottom: 18px;
  color: #27314b;
}
strong {
  color: #18409A;
  font-weight: 700;
}

/* --- Utility Classes --- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 32px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 12px rgba(24, 64, 154, 0.04);
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 12px;
  margin-bottom: 20px;
  position: relative;
  box-shadow: 0 1px 8px rgba(24, 64, 154, 0.09);
  padding: 28px 24px;
  min-width: 260px;
  flex: 1 1 280px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: box-shadow 0.2s;
}
.card:hover {
  box-shadow: 0 6px 24px rgba(24,64,154,0.16);
}
.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: #F1F4FB;
  color: #18409A;
  padding: 20px;
  border-radius: 12px;
  margin-bottom: 20px;
  box-shadow: 0 1px 8px rgba(24,64,154,0.07);
}
.testimonial-card p {
  font-size: 1.125rem;
  font-style: italic;
  color: #27314b;
  margin: 0 0 0 0;
}
.testimonial-card span {
  font-size: 1rem;
  color: #18409A;
  margin-left: auto;
  font-weight: 600;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* ------------------------------------------------------
   HEADER & NAVIGATION
------------------------------------------------------- */
header {
  width: 100%;
  background: #fff;
  box-shadow: 0 2px 12px rgba(24,64,154,0.045);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 18px 0;
}
.main-nav a {
  font-size: 1rem;
  color: #18409A;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 500;
  padding: 7px 14px;
  border-radius: 6px;
  transition: background 0.16s;
}
.main-nav a.cta {
  background: #18409A;
  color: #fff !important;
  border-radius: 22px;
  padding: 8px 28px;
  font-weight: 600;
  margin-left: 18px;
  transition: background 0.18s, color 0.18s, box-shadow 0.18s;
  box-shadow: 0 1px 6px rgba(24,64,154,0.08);
}
.main-nav a.cta:hover,
.main-nav a.cta:focus {
  background: #F58220;
  color: #fff;
  box-shadow: 0 4px 18px rgba(24,64,154,0.12);
}
.main-nav a:hover,
.main-nav a:focus {
  background: #F1F4FB;
  color: #F58220;
}
.main-nav a img {
  height: 38px;
  width: auto;
  margin-right: 18px;
  margin-bottom: 0;
  vertical-align: middle;
}
.mobile-menu-toggle {
  display: none;
  background: none;
  border: 0;
  font-size: 2.1rem;
  color: #18409A;
  cursor: pointer;
  margin-left: auto;
  transition: color 0.16s;
  z-index: 1200;
}
.mobile-menu-toggle:focus {
  outline: 2px solid #F58220;
}
section.cta.fade-in-done {
  width: 100%;
}

/* ------------------------------------------------------
   MOBILE MENU STYLES (slide in)
------------------------------------------------------- */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  height: 100vh;
  width: 100vw;
  background: rgba(24, 64, 154, 0.98);
  color: #fff;
  z-index: 2000;
  transform: translateX(-100%);
  transition: transform 0.37s cubic-bezier(0.77,0,0.18,1.01);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 0;
  opacity: 1;
  pointer-events: none;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: auto;
}
.mobile-menu-close {
  margin: 28px 0 24px 28px;
  align-self: flex-start;
  background: none;
  border: 0;
  color: #fff;
  font-size: 2.4rem;
  cursor: pointer;
  transition: color 0.16s;
}
.mobile-menu-close:focus {
  outline: 2px solid #F58220;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-left: 38px;
  margin-top: 12px;
}
.mobile-nav a {
  font-size: 1.25rem;
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  background: none;
  border-radius: 6px;
  padding: 12px 0 12px 8px;
  transition: color 0.15s, background 0.15s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  color: #F58220;
  background: rgba(241,244,251,0.1);
}

/* ------------------------------------------------------
   HERO SECTION
------------------------------------------------------- */
.hero {
  padding: 52px 0 46px 0;
  background: #F1F4FB;
  margin-bottom: 0;
}
.hero .container {
  align-items: center;
  justify-content: center;
}
.hero .content-wrapper {
  align-items: center;
  gap: 24px;
  text-align: center;
}
.hero h1 {
  color: #18409A;
  font-size: 2.65rem;
}
.hero p {
  color: #27314b;
  font-size: 1.2rem;
  max-width: 540px;
}
.hero .cta {
  margin-top: 18px;
}

/* CTA Button (reusable) */
.cta {
  display: inline-block;
  background: #18409A;
  color: #fff;
  border: none;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  border-radius: 24px;
  padding: 12px 32px;
  font-size: 1.17rem;
  margin-top: 6px;
  box-shadow: 0 2px 12px rgba(24, 64, 154, 0.09);
  transition: background 0.18s, color 0.18s, transform 0.18s, box-shadow 0.18s;
  cursor: pointer;
}
.cta:hover, .cta:focus {
  background: #F58220;
  color: #fff;
  transform: translateY(-2px) scale(1.025);
  box-shadow: 0 6px 28px rgba(24,64,154,0.15);
}

/* Secondary CTA (for banner/modal)
-----------------------------------*/
.btn-secondary {
  background: #F1F4FB;
  color: #18409A;
  border: 2px solid #18409A;
  border-radius: 22px;
  padding: 9px 24px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  transition: background 0.16s, color 0.16s;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: #18409A;
  color: #fff;
}

.btn-tertiary {
  background: #fff;
  color: #F58220;
  border: 2px solid #F58220;
  border-radius: 22px;
  padding: 9px 24px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  transition: background 0.16s, color 0.16s;
}
.btn-tertiary:hover, .btn-tertiary:focus {
  background: #F58220;
  color: #fff;
}

/* ------------------------------------------------------
   FOOTER
------------------------------------------------------- */
footer {
  background: #1a2336;
  color: #fff;
  padding: 32px 0 16px 0;
  font-size: 1rem;
  width: 100%;
}
footer .container {
  flex-direction: row;
  align-items: flex-start;
  justify-content: space-between;
}
footer .content-wrapper {
  flex-direction: column;
  gap: 18px;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-bottom: 16px;
}
.footer-nav a {
  color: #F1F4FB;
  font-size: 0.98rem;
  opacity: 0.91;
  transition: color 0.16s, opacity 0.15s;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #F58220;
  opacity: 1;
}
footer img {
  height: 38px;
  margin-bottom: 14px;
}
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.contact-info div {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #D9E1F2;
  font-size: 15px;
}
.contact-info img {
  height: 19px;
  width: 19px;
}

/* ---------------------------------------------
   Cookie Consent Banner & Modal
----------------------------------------------*/
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100vw;
  background: #fff;
  color: #18409A;
  box-shadow: 0 -6px 32px rgba(24,64,154,0.11);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 18px 22px 32px;
  z-index: 3000;
  gap: 24px;
  font-size: 1rem;
  transform: translateY(105%);
  transition: transform 0.42s cubic-bezier(0.77,0,0.18,1.01);
}
.cookie-banner.active {
  transform: translateY(0);
}
.cookie-banner .cookie-buttons {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

/* Cookie Modal */
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; width: 100vw; height: 100vh;
  background: rgba(24,64,154,0.71);
  z-index: 4000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.27s;
}
.cookie-modal-overlay.active {
  opacity: 1;
  pointer-events: auto;
}
.cookie-modal {
  background: #fff;
  color: #18409A;
  border-radius: 18px;
  max-width: 420px;
  padding: 38px 28px 28px 28px;
  box-shadow: 0 6px 32px rgba(24,64,154,0.15);
  display: flex;
  flex-direction: column;
  gap: 24px;
  position: relative;
}
.cookie-modal h2 {
  font-size: 1.5rem;
  margin-bottom: 0;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 1.1rem;
}
.cookie-modal .cookie-category label {
  cursor: pointer;
}
.cookie-modal .category-toggle {
  appearance: none;
  width: 38px;
  height: 20px;
  background: #D9E1F2;
  border-radius: 10px;
  position: relative;
  outline: none;
  cursor: pointer;
  transition: background 0.18s;
}
.cookie-modal .category-toggle:checked {
  background: #18409A;
}
.cookie-modal .category-toggle:checked::before {
  left: 19px;
  background: #F58220;
}
.cookie-modal .category-toggle:before {
  content: '';
  display: block;
  position: absolute;
  top: 2px;
  left: 2px;
  height: 16px;
  width: 16px;
  background: #fff;
  border-radius: 8px;
  transition: left 0.19s, background 0.19s;
  box-shadow: 0 1px 4px rgba(24,64,154,0.08);
}
.cookie-modal .cookie-modal-actions {
  display: flex;
  gap: 16px;
  margin-top: 8px;
}
.cookie-modal .cookie-modal-close {
  position: absolute;
  top: 10px;
  right: 16px;
  color: #18409A;
  font-size: 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  transition: color 0.16s;
}
.cookie-modal .cookie-modal-close:hover,
.cookie-modal .cookie-modal-close:focus {
  color: #F58220;
}

/* ------------------------------------------------------
   GENERIC CONTENT: FAQS, POLICIES
------------------------------------------------------- */
dt {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #18409A;
  font-weight: 700;
  margin-bottom: 8px;
}
dd {
  margin-bottom: 16px;
  color: #27314b;
  padding-left: 12px;
}
dl {
  margin-bottom: 24px;
}

ul, ol {
  padding-left: 24px;
  margin-bottom: 18px;
}
ul li, ol li {
  list-style: disc;
  margin-bottom: 8px;
  font-size: 1.08rem;
  color: #27314b;
}

/* ------------------------------------------------------
   Section Call to Action at Page End
------------------------------------------------------- */
section.cta {
  background: #18409A;
  color: #fff;
  margin-bottom: 0;
  border-radius: 20px 20px 0 0;
  box-shadow: 0 -1px 16px rgba(24,64,154,0.07);
  padding: 45px 20px;
}
section.cta h2, section.cta p {
  color: #fff;
}
section.cta .cta {
  background: #F58220;
  color: #fff;
  margin: 0 auto;
  display: block;
  margin-top: 20px;
}
section.cta .cta:hover,
section.cta .cta:focus {
  background: #fff;
  color: #18409A;
}

/* ------------------------------------------------------
   SPACING: ALWAYS SPACED CARDS/SECTIONS
------------------------------------------------------- */
section, .section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container, .content-grid {
  gap: 24px;
}
.card {
  margin-bottom: 20px;
}
.testimonial-card {
  margin-bottom: 20px;
}
.text-image-section {
  gap: 30px;
}
.feature-item {
  gap: 15px;
}

/* ------------------------------------------------------
   MEDIA QUERIES (RESPONSIVE)
------------------------------------------------------- */
@media (max-width: 1200px) {
  .container {
    max-width: 990px;
  }
}
@media (max-width: 990px) {
  .container {
    max-width: 92vw;
    padding: 0 12px;
  }
  section, .section {
    padding: 35px 10px;
  }
}
@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.35rem; }
  h3 { font-size: 1.13rem; }
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  .container {
    padding: 0 7px;
  }
  .card-container, .content-grid {
    flex-direction: column;
    gap: 14px;
  }
  .card {
    min-width: 0;
    padding: 16px 11px;
  }
  .content-wrapper {
    gap: 24px;
  }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
  .section, section {
    margin-bottom: 35px;
    padding: 20px 5px;
  }
  .testimonial-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 13px;
  }
  footer .container {
    flex-direction: column;
    align-items: flex-start;
  }
  .footer-nav {
    flex-direction: column;
    gap: 10px;
  }
  .cookie-banner {
    flex-direction: column;
    padding: 18px 8px;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.99rem;
  }
  .cookie-banner .cookie-buttons {
    flex-direction: column;
    gap: 10px;
    width: 100%;
  }
  .cookie-modal {
    max-width: 95vw;
    padding: 19px 9px 24px 13px;
  }
}

@media (max-width: 480px) {
  html {
    font-size: 14px;
  }
  .cta, .btn-secondary, .btn-tertiary {
    width: 100%;
    font-size: 1.08rem;
    padding: 11px 0;
    text-align: center;
  }
  .section, section {
    padding: 13px 2px;
  }
}

/* ------------------------------------------------------
 TRANSITIONS/MICRO-INTERACTIONS
------------------------------------------------------- */
.card, .cta, .btn-secondary, .btn-tertiary, .testimonial-card, .cookie-banner, .mobile-menu, .cookie-modal {
  transition: box-shadow 0.18s, background 0.18s, color 0.18s, transform 0.19s;
}
.card:hover {
  box-shadow: 0 7px 36px rgba(24,64,154,0.16);
  transform: translateY(-3px) scale(1.018);
}
.testimonial-card:hover {
  background: #fff;
  box-shadow: 0 4px 18px rgba(24,64,154,0.13);
}

/* ------------------------------------------------------
  FORM ELEMENTS (input, button base styles)
------------------------------------------------------- */
input[type=text], input[type=email], textarea, select {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  padding: 9px 14px;
  border-radius: 7px;
  border: 1.5px solid #D9E1F2;
  background: #fff;
  margin-bottom: 16px;
  width: 100%;
  transition: border 0.14s;
}
input:focus, textarea:focus, select:focus {
  border-color: #18409A;
  outline: 0;
}
button, input[type="submit"], input[type="button"] {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  cursor: pointer;
  border: none;
  border-radius: 22px;
  transition: background 0.17s, color 0.13s, box-shadow 0.13s;
}
button:focus, input[type="submit"]:focus {
  outline: 2px solid #F58220;
}

/* ------------------------------------------------------
   MISC.
------------------------------------------------------- */
::-webkit-scrollbar { width: 10px; background: #f1f4fb; }
::-webkit-scrollbar-thumb { background: #D9E1F2; border-radius: 5px; }
.bold { font-weight: bold; }
.text-accent { color: #F58220; }

/* Hide scroll for menu/modal overlays on mobile */
body.menu-open, body.modal-open {
  overflow: hidden !important;
}