/* Reset & Normalize */
html {
  box-sizing: border-box;
}
*, *:before, *:after {
  box-sizing: inherit;
  margin: 0;
  padding: 0;
}
html, body {
  height: 100%;
  scroll-behavior: smooth;
  background: #F7F8FB;
}
body {
  font-family: 'Open Sans', Arial, sans-serif;
  color: #234E70;
  background: #F7F8FB;
  min-height: 100vh;
  font-size: 16px;
  line-height: 1.6;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
input, button, textarea, select {
  font: inherit;
  background: none;
  border: none;
  outline: none;
  appearance: none;
}
button {
  cursor: pointer;
}
a {
  color: #234E70;
  text-decoration: none;
  transition: color .2s cubic-bezier(.4,0,.2,1);
}
a:focus, a:hover {
  color: #F9B248;
}
ul, ol {
  padding-left: 2em;
}

/* Geometric/Structured Fonts */
@import url('https://fonts.googleapis.com/css?family=Montserrat:700,800&display=swap');
h1, h2, h3, h4, h5 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}

h1 {
  font-size: 2.5rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  line-height: 1.15;
  margin-bottom: 24px;
}
h2 {
  font-size: 2rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 16px;
}

/* Layout Container */
.container {
  width: 100%;
  max-width: 1180px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
@media (min-width: 992px) {
  .content-wrapper {
    flex-direction: row;
    gap: 36px;
    align-items: flex-start;
  }
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 8px 32px rgba(35, 78, 112, 0.08), 0 1.5px 5px rgba(249, 178, 72,0.08);
}

/* HERO */
.hero {
  background: linear-gradient(110deg,#FFFFFF 80%,#F9B248 160%);
  border-radius: 0 0 48px 48px;
  padding-top: 44px;
  margin-bottom: 48px;
  min-height: 330px;
  display: flex;
  align-items: center;
  box-shadow: 0 6px 20px rgba(35, 78, 112, .07);
}
.hero .content-wrapper {
  align-items: flex-start;
  gap: 16px;
}
.hero h1 {
  margin-bottom: 10px;
}
.hero p {
  font-size: 1.125rem;
  color: #234E70;
  margin-bottom: 18px;
  max-width: 620px;
}
.hero .cta-button {
  margin-top: 6px;
}

/* HEADER */
header {
  width: 100%;
  background: #fff;
  box-shadow: 0px 4px 18px rgba(35, 78, 112, 0.08);
  position: sticky;
  top: 0;
  z-index: 201;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: 24px;
}
header nav {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
}
header nav a {
  padding: 8px 12px;
  border-radius: 8px;
  font-weight: 700;
  transition: color .15s, background .2s;
}
header nav a.active,
header nav a:focus,
header nav a:hover {
  color: #234E70;
  background: #F9B24833;
}
.cta-button {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 800;
  letter-spacing: 0.2px;
  background: #F9B248;
  color: #234E70;
  padding: 14px 38px;
  border-radius: 36px;
  font-size: 1.125rem;
  line-height: 1;
  box-shadow: 0 2px 16px rgba(249,178,72,0.14), 0 4px 24px rgba(35,78,112,0.06);
  border: 0;
  transition: background 0.25s, color 0.25s, box-shadow 0.15s;
  display: inline-block;
  margin-left: 16px;
}
.cta-button:focus,
.cta-button:hover {
  background: #234E70;
  color: #fff;
  box-shadow: 0 3px 26px rgba(35,78,112,0.12);
}

/* Hamburger button */
.mobile-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 2.1rem;
  color: #234E70;
  background: none;
  border: none;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  transition: background 0.18s, color 0.18s;
  margin-left: 8px;
  z-index: 202;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #F9B24833;
}

@media (min-width: 992px) {
  .mobile-menu-toggle {
    display: none;
  }
}

/* HEADER NAV -- hide on mobile */
@media (max-width: 991px) {
  header nav {
    display: none;
  }
  .cta-button {
    display: none;
  }
}

/* MOBILE MENU */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; bottom: 0; right: 0;
  background: #234E70f6;
  z-index: 300;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(0.68,-0.55,0.27,1.55);
  will-change: transform;
  pointer-events: none;
}
.mobile-menu.active {
  transform: translateX(0);
  pointer-events: all;
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 26px 20px 0 0;
  background: none;
  color: #FFF;
  font-size: 2.4rem;
  border: none;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  line-height: 1;
  transition: background 0.15s;
}
.mobile-menu-close:focus, .mobile-menu-close:hover {
  background: #F9B24844;
  color: #F9B248;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 40px;
  padding: 0 32px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.2rem;
  color: #fff;
  padding: 13px 12px;
  border-radius: 14px;
  font-weight: 700;
  background: none;
  transition: background .18s, color .18s;
  border-left: 4px solid transparent;
}
.mobile-nav a:focus, .mobile-nav a:hover {
  background: #F9B248;
  color: #234E70;
  border-left: 4px solid #234E70;
}

@media (min-width: 992px) {
  .mobile-menu {
    display: none!important;
  }
}

/* MAIN LAYOUT */
main {
  margin-bottom: 56px;
}

@media (max-width: 768px) {
  .section, .hero, main section {
    padding: 33px 6px;
    border-radius: 13px;
  }
  .hero {
    min-height: 220px;
    padding-top: 18px;
  }
  main {
    margin-bottom: 24px;
  }
}

/* FLEX LAYOUTS (MANDATORY) */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 3px 16px rgba(35,78,112,0.07);
  padding: 24px;
  transition: box-shadow .22s;
}
.card:hover {
  box-shadow: 0 10px 34px rgba(35,78,112,0.14);
}

.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: 20px;
    align-items: flex-start;
  }
}

.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 28px 32px;
  margin-bottom: 20px;
  background: #F7F8FB;
  border-radius: 20px;
  box-shadow: 0 2px 12px rgba(35, 78, 112, 0.11);
  border-left: 7px solid #F9B248;
  max-width: 600px;
}
.testimonial-card p {
  font-size: 1.13rem;
  color: #234E70;
}
.testimonial-meta {
  font-size: 1rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #234E70;
  font-weight: 700;
  opacity: 0.99;
}
.features {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* BUTTONS GENERAL */
button,
input[type=submit],
input[type=button] {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  background: #F9B248;
  color: #234E70;
  padding: 12px 30px;
  border-radius: 27px;
  border: none;
  font-weight: 700;
  font-size: 1rem;
  margin-right: 8px;
  transition: background .19s, color .19s, box-shadow 0.18s;
}
button:focus, button:hover,
input[type=submit]:focus,
input[type=submit]:hover {
  background: #234E70;
  color: #fff;
}

/* SEARCH BAR GEOMETRIC */
.search-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 10px;
}
.search-bar input[type='search'] {
  border: 2px solid #234E70;
  background: #fff;
  border-radius: 0 16px 16px 0;
  padding: 12px 16px;
  font-size: 1rem;
  width: 180px;
  transition: border .19s;
}
.search-bar input[type='search']:focus {
  border-color: #F9B248;
}
.search-bar button {
  border-radius: 16px 0 0 16px;
  border: 2px solid #F9B248;
  background: #234E70;
  color: #fff;
  font-weight: bold;
}
.search-bar button:hover {
  background: #F9B248;
  color: #234E70;
}

/* LIST + ICONS */
ul li, ol li {
  margin-bottom: 1em;
  font-size: 1.08rem;
}
ul li img {
  width: 28px;
  height: 28px;
  display: inline-block;
  vertical-align: middle;
  margin-right: 9px;
  margin-bottom: 0;
}
ul li b {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: #234E70;
}

/* SERVICES */
.services ul, .faq ul {
  display: flex;
  flex-direction: column;
  gap: 24px;
  list-style: none;
  padding-left: 0;
}
.services ul li {
  background: #fff;
  border-radius: 18px;
  padding: 26px 28px;
  box-shadow: 0 2px 12px rgba(35,78,112,.09);
  border-left: 5px solid #234E70;
  font-size: 1.09rem;
  transition: box-shadow .18s;
}
.services ul li span {
  display: inline-block;
  background: #F9B248;
  color: #234E70;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 13px;
  font-size: 0.98rem;
  margin-top: 10px;
  margin-left: 8px;
}
.services ul li:hover {
  box-shadow: 0 7px 30px rgba(35,78,112,.16);
}

/*********** FAQ ***********/
.faq ul li {
  border-radius: 12px;
  background: #FFF;
  padding: 22px 26px;
  box-shadow: 0 2px 10px rgba(35,78,112,.07);
  border-left: 4px solid #F9B248;
  font-size: 1.05rem;
}
.faq ul li b {
  color: #234E70;
  margin-bottom: 3px;
  display: inline-block;
}

/********** FOOTER **********/
footer {
  background: #234E70;
  color: #fff;
  padding: 44px 0 0 0;
  box-shadow: 0 -3px 18px rgba(35,78,112,0.09);
}
footer .container {
  padding-top: 0;
  padding-bottom: 0;
}
footer .content-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 32px 32px;
  align-items: flex-start;
  justify-content: space-between;
  padding: 33px 0 24px 0;
}
.footer-brand {
  flex: 0 0 140px;
  min-width: 108px;
  margin-bottom: 17px;
}
footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 9px 10px;
  margin-bottom: 7px;
}
footer nav a {
  color: #fff;
  font-size: 1rem;
  opacity: .89;
  padding: 4px 2px;
  border-radius: 7px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  transition: background .13s, color .12s;
}
footer nav a:focus, footer nav a:hover {
  background: #F9B248;
  color: #234E70;
  opacity: 1;
}
footer .contact-info, footer .newsletter {
  font-size: 0.98rem;
  max-width: 330px;
  color: #fff;
  opacity: .92;
}
footer .newsletter strong {
  color: #F9B248;
}
footer .newsletter p {
  margin-bottom: 8px;
}
@media (max-width: 900px) {
  footer .content-wrapper {
    flex-direction: column;
    gap: 14px;
    align-items: flex-start;
  }
}

/********* CTA Section ******/
.cta {
  margin-bottom: 60px;
  padding: 38px 20px;
  background: #F9B248;
  border-radius: 28px;
  box-shadow: 0 3px 16px rgba(35,78,112,0.06);
  color: #234E70;
  display: flex;
  align-items: center;
  justify-content: center;
}
.cta h2 {
  color: #234E70;
  margin-bottom: 9px;
}
.cta .cta-button {
  margin-left: 22px;
  background: #234E70;
  color: #fff;
}
.cta .cta-button:hover {
  background: #fff;
  color: #234E70;
  border: 1.5px solid #234E70;
}
@media (max-width: 768px) {
  .cta .content-wrapper {
    flex-direction: column;
    gap: 17px;
  }
  .cta .cta-button {
    margin-left: 0;
  }
}

/********* TEXT / INFO SECTIONS ********/
.text-section {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.text-section ul, .text-section ol {
  margin: 0 0 0 12px;
  padding-left: 20px;
}
.text-section p {
  font-size: 1.10rem;
  margin-bottom: 7px;
}

/********* CARDS & CARD CONTAINER GENERAL ********/
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 15px;
}

/********* SHADOWS & ELEVATION ********/
.card, .services ul li, .faq ul li {
  box-shadow: 0 2px 12px rgba(35, 78, 112, 0.08);
  transition: box-shadow 0.16s;
}
.card:hover, .services ul li:hover, .faq ul li:hover {
  box-shadow: 0 10px 36px rgba(35, 78,112, 0.14);
}

/********* GEO BADGES ********/
.badge {
  display: inline-block;
  background: #F9B248;
  color: #234E70;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  padding: 4px 16px;
  border-radius: 13px;
  font-size: .98rem;
  font-weight: 700;
}

/********* VISUAL GEOMETRIC DETAILS ********/
.section {
  position: relative;
  border-top: 6px solid #F9B24833;
}
.section:after {
  content: '';
  display: block;
  position: absolute;
  top: -30px; left: 10px;
  width: 54px; height: 14px;
  background: #F9B248;
  border-radius: 7px 7px 0 0;
  opacity: .25;
  z-index: 2;
}

/********* RESPONSIVE TYPOGRAPHY & DESIGN ********/
@media (max-width: 600px) {
  h1 { font-size: 1.5rem; }
  h2 { font-size: 1.17rem; margin-bottom: 12px; }
  .section, .card {
    padding: 18px 6px;
    border-radius: 12px;
  }
  .testimonial-card {padding: 16px 12px;}
}

/********* COOKIE CONSENT BANNER *********/
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #234E70;
  color: #fff;
  font-size: 1rem;
  z-index: 9999;
  min-height: 64px;
  padding: 26px 16px 22px 16px;
  box-shadow: 0 -4px 18px rgba(35, 78, 112, 0.13);
  transition: transform .34s cubic-bezier(.7,0,.3,1);
  transform: translateY(120%);
}
.cookie-banner.visible {
  transform: translateY(0);
}
.cookie-banner .cookie-text {
  flex: 1 1 0;
  margin-right: 28px;
  font-size: 1rem;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 14px;
}
.cookie-banner button {
  background: #F9B248;
  color: #234E70;
  font-weight: 700;
  padding: 11px 24px;
  border-radius: 14px;
  font-size: 1rem;
}
.cookie-banner button:hover, .cookie-banner button:focus {
  background: #fff;
  color: #234E70;
}
.cookie-banner .cookie-settings {
  background: #234E70;
  color: #fff;
  border: 1.5px solid #F9B248;
  font-weight: 700;
}
.cookie-banner .cookie-settings:hover, .cookie-banner .cookie-settings:focus {
  background: #F9B248;
  color: #234E70;
}

/***** COOKIE MODAL (Overlay) *****/
.cookie-modal {
  position: fixed;
  left: 0; right: 0; top: 0; bottom: 0;
  z-index: 10000;
  background: rgba(35,78,112,0.44);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity .35s cubic-bezier(.7,0,.3,1);
}
.cookie-modal.visible {
  opacity: 1;
  pointer-events: all;
}
.cookie-modal .cookie-modal-dialog {
  background: #fff;
  color: #234E70;
  padding: 34px 22px 22px 32px;
  border-radius: 23px;
  min-width: 337px;
  box-shadow: 0 14px 42px rgba(35,78,112,0.19);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 23px;
}
.cookie-modal .cookie-modal-close {
  position: absolute;
  top: 16px;
  right: 18px;
  background: transparent;
  color: #234E70;
  font-size: 2rem;
  border: none;
  border-radius: 50%;
}
.cookie-modal .cookie-modal-close:focus, .cookie-modal .cookie-modal-close:hover {
  background: #F9B24844;
  color: #F9B248;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin-bottom: 10px;
}
.cookie-category-row {
  display: flex;
  align-items: center;
  gap: 19px;
}
.cookie-category-row .switch {
  min-width:42px;
  min-height: 24px;
  display: flex;
  align-items: center;
}
.cookie-category-row input[type='checkbox'] {
  width: 0;
  height: 0;
  position: absolute;
  opacity: 0;
}
.switch-label {
  margin-right: 8px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 700;
}
/* Custom switch */
.switch-slider {
  display: inline-block;
  width: 41px;
  height: 22px;
  background: #e0e0f0;
  border-radius: 22px;
  position: relative;
  transition: background 0.21s;
}
.switch-slider::after {
  content: '';
  display: block;
  position: absolute;
  top: 2px; left: 2px;
  width: 18px; height: 18px;
  background: #234E70;
  border-radius: 50%;
  transition: left .22s;
}
.cookie-category-row input[type='checkbox']:checked + .switch-slider {
  background: #F9B248;
}
.cookie-category-row input[type='checkbox']:checked + .switch-slider::after {
  left: 21px;
  background: #F9B248;
  box-shadow: 0 1px 4px #F9B24842;
}
.cookie-category-row input[type='checkbox']:disabled + .switch-slider {
  opacity: 0.47;
}

.cookie-modal .cookie-modal-actions {
  display: flex;
  gap: 16px;
  align-items: center;
}
.cookie-modal .cookie-modal-actions button {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  background: #F9B248;
  color: #234E70;
  padding: 11px 24px;
  border-radius: 14px;
  font-weight: 700;
  font-size: 1rem;
}
.cookie-modal .cookie-modal-actions button:hover {
  background: #234E70;
  color: #fff;
}

/*********** ANIMATIONS ***********/
.cta-button, button, .card, .services ul li, .faq ul li, .testimonial-card, .mobile-menu, .cookie-banner, .cookie-modal .cookie-modal-dialog {
  transition: background 0.18s, box-shadow 0.22s, color .18s, transform 0.23s cubic-bezier(.4,0,.2,1);
}

/********* UTILS *********/
.mt-3 { margin-top: 24px; }
.mb-2 { margin-bottom: 14px; }
.mb-3 { margin-bottom: 36px; }
.rounded { border-radius: 14px!important; }
.bg-accent { background: #F9B248; }
.bg-primary { background: #234E70; color: #fff; }

/********* FORMS (if needed) *********/
input[type="text"], input[type="email"], textarea {
  border: 2px solid #234E70;
  padding: 10px 17px;
  border-radius: 14px;
  transition: border .19s;
  font-size: 1rem;
  background: #fff;
  color: #234E70;
}
input[type="text"]:focus, input[type="email"]:focus, textarea:focus {
  border-color: #F9B248;
}

/********* Z-INDEXes *********/
header {z-index:201;}
.mobile-menu {z-index:300;}
.cookie-banner {z-index:9999;}
.cookie-modal {z-index:10000;}

/********* A11Y FOCUS VISIBLE *********/
a:focus-visible, button:focus-visible {
  outline: 2.5px solid #F9B248;
  outline-offset: 2px;
}

/************* SPACING & GAP EXPLICIT ************/
.section, main section {
  gap: 32px;
}
.card-container, .content-grid, .features {
  gap: 20px;
}
.card {
  margin-bottom: 20px;
}
.text-image-section {
  gap: 30px;
}
.testimonial-card {
  gap: 20px;
  padding: 20px;
}
.feature-item {
  gap: 15px;
}

/****************************************************/
/* NO display:grid, NO columns, ONLY Flexbox layouts */
/****************************************************/