/* ============================================================
   CSS RESET & BASE STYLES (Normalize + Custom Reset)
=============================================================== */
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; }
*, *:before, *:after { box-sizing: inherit; }
body {
  min-height: 100vh;
  color: #233042;
  background: #F8FAFC;
  font-family: 'Open Sans', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  font-weight: 400;
  letter-spacing: 0.01em;
}
img { max-width: 100%; display: block; height: auto; }
a { color: #1B4965; text-decoration: none; transition: color 0.2s; }
a:hover, a:focus {
  color: #195070;
  outline: none;
}
ul, ol {
  margin-left: 24px;
  margin-bottom: 24px;
}
li {
  margin-bottom: 8px;
  font-size: 16px;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #1B4965;
  margin-bottom: 16px;
}
h1 {
  font-size: 2.5rem;  /* 40px */
  line-height: 1.16;
}
h2 {
  font-size: 2rem; /* 32px */
}
h3 {
  font-size: 1.35rem; /* 22px */
}
h4 {
  font-size: 1.125rem;
}
.section, .hero, .features, .about, .testimonials, .cta, .faq, .contact, .services, .legal {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  gap: 0px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
}
/* ============================================================
   HEADER: Corporate, Clean, Structured
=============================================================== */
header {
  background: #fff;
  border-bottom: 2px solid #e6eaf0;
  box-shadow: 0 2px 12px rgba(27,73,101,0.04);
  padding: 0;
}
header .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 0 20px;
  min-height: 78px;
}
header a img {
  display: block;
  height: 46px;
  width: auto;
}
.main-nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 24px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 500;
  font-size: 1rem;
  color: #1B4965;
  letter-spacing: 0.02em;
  padding: 8px 4px;
  transition: color 0.18s, background 0.2s;
  border-radius: 4px;
  position: relative;
}
.main-nav a:hover,
.main-nav a:focus {
  background: #E6F0FA;
  color: #195070;
}
.main-nav .primary-cta {
  margin-left: 24px;
  padding: 10px 28px;
  background: #1B4965;
  color: #fff;
  border-radius: 6px;
  box-shadow: 0 2px 6px rgba(27, 73, 101, 0.08);
  font-size: 1.04rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  transition: background 0.16s, box-shadow 0.18s;
}
.main-nav .primary-cta:hover, .main-nav .primary-cta:focus {
  background: #113953;
  box-shadow: 0 3px 12px rgba(27,73,101,0.11);
}
/* Mobile menu toggle button */
.mobile-menu-toggle {
  background: none;
  border: none;
  color: #1B4965;
  font-size: 2.4rem;
  padding: 8px 16px;
  cursor: pointer;
  border-radius: 6px;
  display: none;
  transition: background 0.18s;
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover { background: #edf4fa; }

/* Mobile Menu Overlay */
.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(27,73,101,0.98);
  z-index: 9999;
  transform: translateX(100%);
  transition: transform 0.36s cubic-bezier(.42,0,.58,1);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 18px 24px 6px 0;
  background: none;
  color: #fff;
  border: none;
  font-size: 2.3rem;
  cursor: pointer;
  padding: 8px 16px;
  border-radius: 6px;
  transition: background 0.16s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus { background: #335273; }
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 24px;
  width: 100vw;
  padding-left: 40px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.22rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 14px 8px;
  background: none;
  border-radius: 4px;
  transition: background 0.16s, color 0.2s;
  display: inline-block;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #FFD700;
  background: #24496a;
}

/* Hide desktop nav/show mobile on small screens */
@media (max-width: 992px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}

@media (min-width:993px) {
  .mobile-menu {
    display: none !important;
  }
}

/* ============================================================
   HERO SECTION
=============================================================== */
.hero {
  background: linear-gradient(90deg, #1B4965 36%, #CAE9FF 100%);
  color: #fff;
  padding: 60px 0 54px 0;
  margin-bottom: 60px;
}
.hero .container { flex-direction: column; }
.hero .content-wrapper {
  max-width: 650px;
  color: #fff;
  gap: 24px;
  align-items: flex-start;
}
.hero h1, .hero h2, .hero p { color: #fff; }
.hero h1 { font-size: 2.5rem; margin-bottom: 8px; }
.hero p { font-size: 1.16rem; margin-bottom: 18px; }
.hero .primary-cta {
  margin-top: 10px;
}

/* ============================================================
   FLEXBOX MANDATORY PATTERNS / COMPONENT LAYOUTS
=============================================================== */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
}
.card {
  background: #fff;
  box-shadow: 0 2px 8px rgba(27,73,101,0.06);
  border-radius: 8px;
  padding: 28px 20px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: box-shadow 0.16s;
}
.card:hover, .card:focus {
  box-shadow: 0 6px 18px rgba(27,73,101,0.13);
}
.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: 24px;
    align-items: flex-start;
  }
}

/***** Features patterns *****/
.features .feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
  margin-top: 24px;
}
.features .feature-grid > div {
  flex: 1 1 230px;
  min-width: 220px;
  max-width: 340px;
  background: #fff;
  box-shadow: 0 2px 12px rgba(27,73,101,0.05);
  border-radius: 8px;
  padding: 28px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  transition: box-shadow 0.18s, background 0.22s;
}
.features .feature-grid > div:hover, .features .feature-grid > div:focus {
  background: #F5FAFE;
  box-shadow: 0 5px 18px rgba(27,73,101,0.15);
}
.features .feature-grid img {
  height: 48px;
  width: 48px;
}
.features .feature-grid h3 {
  font-size: 1.10rem;
  color: #1B4965;
}
.features .feature-grid p {
  color: #2B415A;
  font-size: 1rem;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/***** Testimonial cards *****/
.testimonials .testimonial-card {
  background: #fff;
  color: #253652;
  border-left: 5px solid #1B4965;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(27,73,101,0.06);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 28px 20px;
  font-size: 1.09rem;
  min-height: 100px;
  position: relative;
  overflow: hidden;
}
.testimonials .testimonial-card blockquote {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.05rem;
  color: #1B4965;
  font-style: italic;
  margin-bottom: 8px;
}
.testimonials .testimonial-card p {
  margin: 0; color: #555e6c; font-size: 1em; padding-left: 8px;
}

/***** FAQ accordion *****/
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 26px;
  margin-bottom: 32px;
}
.faq-accordion > div {
  background: #f6faff;
  border-radius: 8px;
  box-shadow: 0 1px 6px rgba(27,73,101,0.04);
  padding: 24px 20px;
  transition: box-shadow 0.18s;
}
.faq-accordion > div h3 {
  color: #1B4965;
  font-size: 1.09rem;
  margin-bottom: 8px;
}
.faq-accordion > div p {
  color: #2b415a;
  font-size: 1em;
}
/***** About lists with icons *****/
.about ul, .features ul, .services ol, .contact ul {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin-left: 0;
}
.about ul li, .features ul li, .contact ul li, .services ol li {
  list-style: none;
  position: relative;
  display: flex;
  align-items: center;
  font-size: 1.05rem;
  gap: 12px;
  padding-left: 0;
  color: #1B4965;
}
.about ul li img, .features ul li img, .services ol li img, .contact ul li img {
  margin-right: 12px;
  height: 32px;
  width: 32px;
}
.services ol {
  counter-reset: steps;
  gap: 18px;
  margin-bottom: 24px;
}
.services ol li {
  font-size: 1.05rem;
  padding-left: 4px;
  position: relative;
}
/***** Trust factors (icons) *****/
.trust-factors {
  display: flex;
  gap: 26px;
  margin-top: 18px;
}
.trust-factors img {
  width: 56px;
  height: 56px;
}
/***** Legal pages *****/
.legal h1, .legal h2 {
  color: #1B4965;
}
.legal ul {
  margin-bottom: 16px;
}
/***** Contact section *****/
.contact ul {
  gap: 18px;
}
.contact ul li a {
  color: #1B4965;
}
/***** CTA section *****/
.cta {
  background: #f4f8fc;
  border-radius: 8px;
  text-align: left;
  box-shadow: 0 2px 12px rgba(27,73,101,0.03);
}
.cta h2 { margin-bottom: 8px; }
.cta .primary-cta {
  margin-top: 12px;
}
/***** Card spacing & prevent overlap *****/
.card, .features .feature-grid > div, .testimonial-card {
  margin-bottom: 20px;
}
/***** Footer *****/
footer {
  background: #1B4965;
  color: #fff;
  padding: 46px 0 24px 0;
  border-top: 4px solid #CAE9FF;
}
footer .container {
  flex-direction: column;
  align-items: flex-start;
  gap: 22px;
  max-width: 1120px;
}
.footer-nav {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 20px;
  margin-bottom: 12px;
}
.footer-nav a {
  color: #CAE9FF;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.02rem;
  transition: color 0.15s;
}
.footer-nav a:hover, .footer-nav a:focus { color: #FFD700; }
footer address {
  font-style: normal;
  font-size: 0.98rem;
  line-height: 1.6;
  color: #f1f8ff;
  margin-bottom: 10px;
}
footer p { color: #cae9ff; font-size: 0.98rem; }
footer a {
  color: #FFD700;
  text-decoration: underline;
  font-weight: 500;
}

/***** Buttons and Links *****/
.primary-cta {
  display: inline-block;
  background: #1B4965;
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  font-size: 1.08rem;
  padding: 13px 38px;
  border: none;
  border-radius: 6px;
  box-shadow: 0 2px 6px rgba(27, 73, 101, 0.10);
  letter-spacing: 0.04em;
  transition: background 0.14s, color 0.15s, box-shadow 0.14s, transform 0.10s;
  cursor: pointer;
  margin-top: 18px;
  margin-bottom: 10px;
}
.primary-cta:hover, .primary-cta:focus {
  background: #195070;
  color: #FFD700;
  box-shadow: 0 4px 16px rgba(27,73,101,0.16);
  transform: translateY(-2px) scale(1.02);
}
.button, button, input[type=submit], input[type=button] {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 10px 20px;
  background: #1B4965;
  color: #fff;
  border: none;
  border-radius: 5px;
  box-shadow: 0 2px 7px rgba(27, 73, 101, 0.09);
  cursor: pointer;
  transition: background 0.16s, box-shadow 0.14s;
}
.button:hover, button:hover, input[type=submit]:hover, input[type=button]:hover {
  background: #113953;
  box-shadow: 0 5px 18px rgba(27,73,101,0.13);
}
/***** Cookie Banner & Modal *****/
#cookie-consent-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: #233042;
  color: #fff;
  box-shadow: 0 -4px 24px rgba(27,73,101,0.25);
  z-index: 10050;
  display: flex;
  flex-direction: column;
  align-items: center;
  opacity: 1;
  pointer-events: all;
  padding: 22px 10px 18px 10px;
  gap: 22px;
  animation: banner-in 0.45s cubic-bezier(.33,1.35,.67,1) both;
  font-size: 1.07rem;
}
@keyframes banner-in {
  from { transform: translateY(80px); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
#cookie-consent-banner .cookie-actions {
  display: flex; flex-direction: row; gap: 18px;
  margin-top: 8px;
}
#cookie-consent-banner .cookie-btn {
  background: #fff;
  color: #1B4965;
  border: none;
  border-radius: 6px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  padding: 9px 18px;
  cursor: pointer;
  box-shadow: 0 2px 9px rgba(27,73,101,0.09);
  transition: background 0.16s, color 0.13s, box-shadow 0.12s;
}
#cookie-consent-banner .cookie-btn:hover, #cookie-consent-banner .cookie-btn:focus {
  background: #FFD700;
  color: #1B4965;
  box-shadow: 0 2px 16px rgba(255,215,0,0.12);
}
#cookie-consent-banner .cookie-btn.cookie-reject {
  background: #e4eeee;
  color: #2b415a;
}
#cookie-consent-banner .cookie-btn.cookie-reject:hover,
#cookie-consent-banner .cookie-btn.cookie-reject:focus {
  background: #e9e4e4;
  color: #233042;
}
#cookie-consent-banner .cookie-btn.cookie-settings {
  background: #CAE9FF;
  color: #1B4965;
}
#cookie-consent-banner .cookie-btn.cookie-settings:hover,
#cookie-consent-banner .cookie-btn.cookie-settings:focus {
  background: #b2d8f8;
}
/***** Cookie Modal *****/
#cookie-modal {
  position: fixed;
  z-index: 10051;
  left: 0; top: 0; right: 0; bottom: 0;
  background: rgba(35,48,66,0.70);
  width: 100vw;
  height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s;
}
#cookie-modal.open {
  opacity: 1;
  pointer-events: all;
  transition-delay: 0s;
}
#cookie-modal .cookie-modal-content {
  background: #fff;
  color: #233042;
  border-radius: 10px;
  box-shadow: 0 8px 36px rgba(27,73,101,0.19);
  min-width: 325px;
  max-width: 96vw;
  padding: 34px 30px 22px 30px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
  animation: modal-in 0.33s cubic-bezier(.42,-0.15,.66,1.05) both;
}
@keyframes modal-in {
  from { transform: translateY(40px) scale(.97); opacity: 0; }
  to   { transform: none; opacity: 1; }
}
.cookie-modal-content h2 {
  color: #1B4965;
  font-size: 1.22rem;
  margin-bottom: 6px;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 18px;
}
.cookie-category {
  padding: 10px 0;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1rem;
}
.cookie-category label {
  font-family: 'Open Sans', Arial, sans-serif;
  color: #123048;
}
.cookie-category input[type=checkbox][disabled] {
  accent-color: #bfd6ed;
}
.cookie-category input[type=checkbox] {
  accent-color: #1B4965;
  width: 18px; height: 18px;
}
.cookie-modal-actions {
  display: flex; gap: 14px;
  margin-top: 10px;
}
#cookie-modal .cookie-modal-close {
  position: absolute;
  top: 16px; right: 22px;
  background: none;
  border: none;
  color: #233042;
  font-size: 1.7rem;
  line-height: 1;
  cursor: pointer;
  transition: color 0.18s;
}
#cookie-modal .cookie-modal-close:hover { color: #FFD700; }

/***** Animations: Smooth transitions on all interactive/hover/focus states *****/
.section, .card, .card-container, .testimonial-card, .feature-item, .features .feature-grid > div, .faq-accordion > div, .cta, .cookie-btn {
  transition: box-shadow 0.15s, background 0.19s, color 0.15s, border 0.13s;
}

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

/***** RESPONSIVE DESIGN (Mobile-First) *****/
@media (max-width: 960px) {
  .container {
    max-width: 98vw;
    padding: 0 12px;
  }
  .features .feature-grid > div {
    min-width: 170px;
    padding: 22px 10px;
  }
  .trust-factors {
    gap: 14px;
  }
}

@media (max-width: 770px) {
  html { font-size: 15px; }
  header .container {
    min-height: 64px;
    padding: 0 10px;
    gap: 16px;
  }
  .hero {
    padding: 42px 0 32px 0;
  }
  .hero .content-wrapper { max-width: 98vw; }
  .footer-nav {
    flex-direction: column;
    gap: 7px;
  }
  .about ul li img, .features ul li img, .services ol li img, .contact ul li img {
    height: 22px; width: 22px;
  }
  .features .feature-grid, .card-container, .content-grid {
    flex-direction: column;
    gap: 18px;
  }
  .feature-grid > div, .card {
    max-width: 98vw;
  }
  .testimonials .testimonial-card {
    padding: 20px 10px;
    font-size: 1em;
  }
  .legal .content-wrapper {
    padding: 0;
  }
}
@media (max-width: 540px) {
  html { font-size: 14px; }
  .section, .hero, .features, .about, .testimonials, .cta, .faq, .contact, .services, .legal {
    padding: 26px 6px;
  }
  .features .feature-grid > div { padding: 16px 6px; }
  .card { padding: 15px 7px; }
  .testimonials .testimonial-card { padding: 14px 6px; min-height: 80px; }
  .footer-nav { flex-direction: column; gap: 7px; }
  #cookie-consent-banner { font-size: 0.96rem; }
  #cookie-modal .cookie-modal-content { padding: 18px 6px 14px 12px; min-width: 78vw; }
}
/* Remove mobile menu scroll on open */
body.mobile-menu-open {
  overflow: hidden;
}

/******************************************************
  PRINT OVERRIDES
********************************************************/
@media print {
  header, nav, .mobile-menu, .cta, footer, #cookie-consent-banner, #cookie-modal { display: none !important; }
  body { background: #fff; color: #000; }
}