/* ========== 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;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  background: #fff;
  color: #233144;
  font-family: 'Source Sans Pro', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
a {
  color: #19497A;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #659DBD;
  text-decoration: underline;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
strong {font-weight: 600;}
ul, ol {
  list-style: inside;
  margin-left: 1.25em;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: #19497A;
  margin-bottom: 16px;
}
h1 { font-size: 2.5rem; margin-bottom: 22px; }
h2 { font-size: 2rem; margin-bottom: 18px; }
h3 { font-size: 1.25rem; color: #233144; margin-bottom: 12px; }
h4 { font-size: 1.125rem; }
h5, h6 { font-size: 1rem; }
.subheadline {
  font-size: 1.17rem;
  font-family: 'Source Sans Pro', Arial, sans-serif;
  color: #233144;
  margin-bottom: 24px;
}

/* ========== COMMON LAYOUTS ========== */
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 30px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 2px 16px rgba(25,73,122,0.07);
}

.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 20px;
}
.features-grid > div {
  background: #F5F5F5;
  border-radius: 10px;
  box-shadow: 0 1px 8px rgba(103,141,189,0.05);
  flex: 1 1 285px;
  min-width: 245px;
  max-width: 100%;
  padding: 28px 24px 24px 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  transition: box-shadow 0.2s, transform 0.2s;
  margin-bottom: 20px;
}
.features-grid > div:hover {
  box-shadow: 0 6px 24px rgba(25,73,122,0.12);
  transform: translateY(-4px);
}
.features-grid img {
  width: 36px;
  height: 36px;
  margin-bottom: 10px;
}

.text-section {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 20px;
}

.benefits ul, .content-wrapper ul {
  margin-left: 1em;
  margin-bottom: 10px;
  color: #233144;
}

.disclaimer {
  background: #eef3f8;
  border-left: 4px solid #659DBD;
  color: #325574;
  border-radius: 8px;
  padding: 16px 24px;
  margin-top: 16px;
}

/* ========== HERO SECTION ========== */
.hero {
  background: linear-gradient(120deg, #F5F5F5 60%, #CDE3F1 100%);
  padding: 50px 0 30px 0;
  margin-bottom: 60px;
}
.hero .container { justify-content: center; align-items: center; display: flex; }
.hero .content-wrapper {
  align-items: flex-start;
  gap: 20px;
}
.hero h1 { font-size: 2.2rem; font-weight: 700; }
.hero .cta {
  margin-top: 14px;
}

/* ========== CTA BUTTONS ========== */
.cta {
  display: inline-block;
  background: #19497A;
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.07rem;
  padding: 13px 34px;
  border-radius: 42px;
  border: 0;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.15s;
  box-shadow: 0 2px 8px rgba(25,73,122,0.11);
}
.cta:hover, .cta:focus {
  background: #296EA3;
  color: #fff;
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 7px 24px rgba(25,73,122,0.18);
  text-decoration: none;
}

/* ========== NAVIGATION & HEADER ========== */
header {
  background: #fff;
  border-bottom: 1px solid #d5e1f2;
  box-shadow: 0 4px 16px -12px rgba(25,73,122,0.10);
  position: sticky;
  top: 0;
  z-index: 1002;
}
header .container {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  min-height: 70px;
  gap: 22px;
}
header img {
  height: 38px;
}
nav {
  display: flex;
  gap: 18px;
  align-items: center;
}
nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 15px;
  font-weight: 500;
  color: #233144;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.16s, border-bottom 0.18s;
}
nav a:hover, nav a:focus {
  color: #19497A;
  border-bottom: 2px solid #659DBD;
}
nav a.cta {
  margin-left: 12px;
}
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2rem;
  color: #19497A;
  padding: 6px 14px;
  border-radius: 8px;
  transition: background 0.16s;
  cursor: pointer;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #EEF3F7;
}

/* ========== MOBILE NAV & MENU ========== */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: #1a2230d9;
  z-index: 1100;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-end;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.24s;
}
.mobile-menu.active {
  pointer-events: auto;
  opacity: 1;
}
.mobile-menu nav.mobile-nav {
  display: flex;
  flex-direction: column;
  background: #fff;
  border-radius: 12px 0 0 12px;
  min-width: 260px;
  max-width: 90vw;
  box-shadow: -6px 0 24px rgba(25,73,122,0.18);
  padding: 32px 28px 32px 24px;
  gap: 20px;
  transform: translateX(100%);
  transition: transform 0.36s cubic-bezier(0.4,0,0.2,1);
  height: 100vh;
}
.mobile-menu.active nav.mobile-nav {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  color: #19497A;
  border: 0;
  font-size: 2.2rem;
  position: absolute;
  top: 24px;
  right: 22px;
  z-index: 1102;
  cursor: pointer;
  padding: 2px 8px;
  border-radius: 6px;
  transition: background 0.16s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #EEF3F7;
}
.mobile-nav a {
  color: #19497A;
  font-size: 1.17rem;
  font-weight: 500;
  padding: 14px 0;
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
  margin-bottom: 3px;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #eef3f7;
  color: #296EA3;
}

/* ========== FOOTER ========== */
footer {
  background: #1b3551;
  color: #f5f5f5;
  padding: 48px 0 20px 0;
  border-top: 4px solid #19497A;
  margin-top: 60px;
  font-size: 1rem;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 32px 36px;
  justify-content: space-between;
}
.footer-logo img {
  height: 32px;
  margin-bottom: 18px;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-nav a {
  color: #eef3f8;
  font-size: 15px;
  font-family: 'Montserrat', Arial, sans-serif;
  transition: color 0.16s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #659DBD;
  text-decoration: underline;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
  color: #f5f5f5;
  font-size: 0.98rem;
}
.footer-contact img {
  width: 19px;
  height: 19px;
  margin-right: 6px;
  vertical-align: -2px;
}
.footer-brand {
  width: 100%;
  text-align: right;
  color: #aac2db;
  font-size: 0.88rem;
  margin-top: 12px;
  letter-spacing: 0.6px;
}

/* ========== CARD LAYOUTS ========== */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 1px 9px rgba(25,73,122,0.09);
  margin-bottom: 20px;
  position: relative;
  padding: 28px 20px;
  min-width: 220px;
  flex: 1 1 245px;
  transition: box-shadow 0.15s, transform 0.13s;
}
.card:hover {
  box-shadow: 0 6px 22px rgba(25,73,122,0.14);
  transform: translateY(-3px);
}

.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 {
  background: #F5F5F5;
  color: #233144;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 20px;
  border-radius: 10px;
  box-shadow: 0 2px 12px rgba(25,73,122,0.05);
  margin-bottom: 20px;
}
.testimonial-card h3 {
  color: #19497A;
  font-size: 1.17rem;
}
.testimonial-card strong {
  color: #325574;
  font-weight: 700;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* ========== FAQ / DL STYLES ========== */
dt {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.13rem;
  color: #19497A;
  margin-top: 22px;
  margin-bottom: 6px;
}
dd {
  margin-bottom: 12px;
  font-size: 1rem;
}

/* ========== RESPONSIVE LAYOUTS ========== */
@media (max-width: 1120px) {
  .container { max-width: 98vw; }
  .features-grid > div, .card {
    min-width: 200px;
    flex: 1 1 200px;
  }
}
@media (max-width: 900px) {
  .features-grid {
    gap: 18px;
  }
  .footer-logo {
    flex-basis: 100%;
  }
  .footer-brand {
    text-align: center;
  }
}
@media (max-width: 850px) {
  .container { padding-left: 14px; padding-right: 14px; }
}
@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.35rem; }

  header .container { flex-direction: row; }
  nav { display: none !important; }
  .mobile-menu-toggle { display: block; }

  .features-grid {
    flex-direction: column;
    gap: 16px;
  }
  .features-grid > div {
    width: 100%;
    min-width: 140px;
    padding: 22px 16px 18px 16px;
  }
  .footer-brand { text-align: center; }
  .footer-nav { flex-wrap: wrap; gap: 8px; }
  .container {
    max-width: 100vw;
    padding-left: 7px; padding-right: 7px;
  }
  .content-grid, .card-container, .text-image-section {
    flex-direction: column;
    gap: 16px;
    align-items: stretch;
  }
  .text-image-section {
    flex-direction: column;
    gap: 14px;
  }
  .section {
    padding: 25px 7px;
    margin-bottom: 36px;
  }
  footer .container {
    flex-direction: column;
    gap: 24px;
    align-items: flex-start;
  }
}
@media (max-width: 550px) {
  h1 { font-size: 1.38rem; }
  h2 { font-size: 1.05rem; }
  .subheadline { font-size: 1rem; }
  .content-wrapper { gap: 18px; }
  .features-grid > div, .testimonial-card, .card {
    padding: 12px 8px 10px 8px;
  }
  .footer-logo img {
    height: 28px;
  }
  .mobile-menu nav.mobile-nav { min-width: 180px; padding: 18px 8px; }
}

/* ========== COOKIE CONSENT BANNER ========== */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  background: #fff;
  color: #233144;
  box-shadow: 0 -6px 30px rgba(25,73,122,0.19);
  padding: 24px 12px 18px 12px;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  z-index: 1200;
  gap: 22px;
  border-top: 2px solid #19497A;
  min-height: 0;
  transition: transform 0.36s, opacity 0.23s;
  font-size: 1rem;
}
.cookie-banner.hide {
  transform: translateY(110%);
  opacity: 0;
  pointer-events: none;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 12px;
}
.cookie-banner button {
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 32px;
  font-size: 1rem;
  border: 0;
  font-weight: 600;
  padding: 8px 22px;
  margin-right: 2px;
  cursor: pointer;
  transition: background 0.16s, color 0.11s;
}
.cookie-banner .accept {
  background: #19497A;
  color: #fff;
}
.cookie-banner .accept:hover, .cookie-banner .accept:focus {
  background: #296EA3;
}
.cookie-banner .reject {
  background: #f5f5f5;
  color: #19497A;
  border: 1px solid #bbcbe0;
}
.cookie-banner .reject:hover, .cookie-banner .reject:focus {
  background: #eef3f7;
}
.cookie-banner .settings {
  background: #e6edf3;
  color: #19497A;
}
.cookie-banner .settings:hover, .cookie-banner .settings:focus {
  background: #d8e4f5;
}
@media (max-width: 650px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
    padding: 18px 5px 12px 5px;
    font-size: 0.97rem;
  }
  .cookie-banner .cookie-actions {
    width: 100%;
    justify-content: flex-start;
    gap: 6px;
  }
}

/* ========== COOKIE MODAL ========== */
.cookie-modal-backdrop {
  position: fixed;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(25,73,122,0.22);
  z-index: 1300;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0.16s;
}
.cookie-modal-backdrop.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 8px 44px rgba(25,73,122,0.24);
  padding: 34px 26px 30px 26px;
  max-width: 430px;
  width: 97vw;
  z-index: 1302;
  display: flex;
  flex-direction: column;
  gap: 20px;
  animation: showModal 0.3s cubic-bezier(0.54,0,0.44,1);
}
@keyframes showModal {
  from {transform: translateY(60px); opacity: 0;}
  to   {transform: translateY(0); opacity: 1;}
}
.cookie-modal h3 {
  margin: 0 0 14px 0;
  color: #19497A;
}
.cookie-modal label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 1rem;
  color: #233144;
}
.cookie-modal input[type='checkbox'] {
  accent-color: #19497A;
  width: 18px;
  height: 18px;
}
.cookie-modal .category-desc {
  font-size: 0.96rem;
  color: #466080;
  margin-bottom: 8px;
}
.cookie-modal-actions {
  display: flex;
  gap: 11px;
  justify-content: flex-end;
  margin-top: 18px;
}
.cookie-modal .cookie-modal-close {
  position: absolute;
  top: 16px;
  right: 20px;
  background: none;
  border: none;
  font-size: 1.5rem;
  color: #19497A;
  cursor: pointer;
  border-radius: 6px;
  padding: 3px 8px;
  transition: background 0.13s;
}
.cookie-modal .cookie-modal-close:hover {
  background: #eef3f7;
}
.cookie-modal button {
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 32px;
  font-size: 1rem;
  border: 0;
  font-weight: 600;
  padding: 8px 20px;
  cursor: pointer;
  transition: background 0.14s, color 0.11s;
}
.cookie-modal .accept {
  background: #19497A;
  color: #fff;
}
.cookie-modal .accept:hover, .cookie-modal .accept:focus {
  background: #296EA3;
}
.cookie-modal .reject {
  background: #f5f5f5;
  color: #19497A;
  border: 1px solid #bbcbe0;
}
.cookie-modal .reject:hover, .cookie-modal .reject:focus {
  background: #eef3f7;
}
@media (max-width: 430px) {
  .cookie-modal { padding: 18px 7px 15px 7px; }
  .cookie-modal-actions { gap: 6px; }
}

/* ========== FORM ELEMENTS ========== */
input, textarea, select {
  font-family: 'Source Sans Pro', Arial, sans-serif;
  font-size: 1rem;
  padding: 10px 13px;
  border: 1px solid #bbcbe0;
  border-radius: 7px;
  background: #fcfcfc;
  color: #233144;
  margin-bottom: 16px;
  outline: none;
  transition: border-color 0.13s;
  box-shadow: none;
}
input:focus, textarea:focus, select:focus {
  border-color: #659DBD;
}
button, input[type=button], input[type=submit] {
  font-family: inherit;
  cursor: pointer;
}

/* ========== UTILS ========== */
.mb-24 { margin-bottom: 24px!important; }
.mt-36 { margin-top: 36px!important; }
.hidden { display: none!important; }

/* ========== TYPOGRAPHY HIERARCHY ========== */
.fs-14 { font-size: 14px; }
.fs-16 { font-size: 16px; }
.fs-18 { font-size: 18px; }
.fs-24 { font-size: 24px; }
.fs-32 { font-size: 32px; }
.fs-48 { font-size: 48px; }

/* ========== ANIMATIONS & MICRO-INTERACTIONS ========== */
a, button, .cta, .features-grid > div, .card, .testimonial-card, .mobile-menu, .cookie-banner, .cookie-modal, .mobile-menu-toggle {
  transition: all 0.18s cubic-bezier(0.7,0,0.32,1);
}

/* ========== SHADOWS & EFFECTS ========== */
.card, .features-grid > div, .testimonial-card {
  box-shadow: 0 1px 9px rgba(25,73,122,0.09);
}
.card:hover, .features-grid > div:hover, .cta:hover {
  box-shadow: 0 7px 24px rgba(25,73,122,0.13);
}

/* ========== Z-INDEX MANAGEMENT ========== */
.mobile-menu { z-index: 1100; }
.cookie-banner { z-index: 1200; }
.cookie-modal-backdrop { z-index: 1300; }

/* ========== ACCESSIBILITY ========== */
a:focus-visible, button:focus-visible, .cta:focus-visible, .mobile-menu-toggle:focus-visible, .mobile-menu-close:focus-visible {
  outline: 2px solid #659DBD;
  outline-offset: 1.5px;
}

/* ========== PRINT STYLES ========== */
@media print {
  header, footer, .cookie-banner, .mobile-menu { display: none !important; }
  main, section, .container { padding: 0 !important; margin: 0 !important; box-shadow: none !important; }
}