/* CSS RESET & BASE ===================================== */
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;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  line-height: 1.6;
  color: #26324A;
  background: #F7F9FB;
  font-family: 'Roboto', Arial, sans-serif;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}
img {
  max-width: 100%;
  display: block;
}
a {
  color: #18447E;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #F6C82A;
  outline: none;
}

/* TYPOGRAPHY ===================================== */
h1 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2.5rem;
  color: #18447E;
  font-weight: 700;
  margin-bottom: 16px;
  line-height: 1.2;
}
h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2rem;
  color: #1C2940;
  font-weight: 700;
  margin-bottom: 16px;
  line-height: 1.2;
}
h3 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.25rem;
  color: #18447E;
  font-weight: 600;
  margin-bottom: 12px;
}
h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
}
p, ul, ol, blockquote {
  font-size: 1rem;
  color: #26324A;
  margin-bottom: 16px;
}
blockquote {
  font-style: italic;
  color: #18447E;
  border-left: 4px solid #18447E;
  padding-left: 16px;
  margin: 16px 0;
}
strong {
  font-weight: 700;
}

ul, ol {
  margin-left: 20px;
  margin-bottom: 20px;
}
ul li, ol li {
  margin-bottom: 8px;
  font-size: 1rem;
}

/* SCROLLBAR (modern look) */
::-webkit-scrollbar {
  width: 10px;
  background: #E2E8F0;
}
::-webkit-scrollbar-thumb {
  background: #BCC6D7;
  border-radius: 5px;
}

/* CONTAINER & LAYOUT ============================== */
.container {
  max-width: 1180px;
  width: 100%;
  margin: 0 auto;
  padding-left: 20px;
  padding-right: 20px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 6px 18px rgba(24, 68, 126, 0.06);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 24px;
}
.card {
  margin-bottom: 20px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 1px 6px rgba(24,68,126,0.12);
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: box-shadow 0.2s;
}
.card:hover {
  box-shadow: 0 6px 20px rgba(24,68,126,0.17);
}
.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;
}
.tips-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 24px;
  justify-content: flex-start;
}
.tips-grid > div {
  background: #F3F7FB;
  border-radius: 10px;
  flex: 1 1 250px;
  min-width: 225px;
  max-width: 330px;
  padding: 20px 18px;
  box-shadow: 0 1px 4px rgba(36,46,70,0.06);
  display: flex;
  flex-direction: column;
  gap: 8px;
  border: 1px solid #e0e6ed;
}

.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  border-radius: 12px;
  background: #F7F9FB;
  border: 1px solid #DBE4EE;
  margin-bottom: 20px;
  box-shadow: 0 1px 6px rgba(24,68,126,0.075);
  color: #26324A;
  transition: box-shadow 0.17s, background 0.17s;
  font-size: 1.05rem;
}
.testimonial-card > p {
  flex: 1;
  margin: 0 5px 0 0;
  color: #26324A;
}
.testimonial-card strong {
  font-size: 1rem;
  color: #18447E;
  letter-spacing: 0.02em;
}
.testimonial-card:hover {
  background: #e7f2ff;
  box-shadow: 0 6px 22px rgba(24,68,126,0.11);
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

.badge {
  background: #18447E;
  color: #fff;
  font-size: 0.87rem;
  font-weight: 600;
  border-radius: 6px;
  padding: 2px 10px;
  margin-left: 10px;
}

/* BUTTONS & CTA =================================== */
.cta-primary {
  display: inline-block;
  padding: 13px 32px;
  background: #18447E;
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  border: none;
  border-radius: 26px;
  text-align: center;
  text-decoration: none;
  letter-spacing: 0.02em;
  cursor: pointer;
  box-shadow: 0 1px 4px rgba(24,68,126,0.09);
  transition: background 0.18s, box-shadow 0.18s, color 0.17s;
  outline: none;
  margin: 8px 0 0 0;
}
.cta-primary:hover, .cta-primary:focus {
  background: #14345b;
  color: #F6C82A;
  box-shadow: 0 4px 24px rgba(24,68,126,0.16);
}
.cta-secondary {
  display: inline-block;
  padding: 11px 26px;
  background: #fff;
  color: #18447E;
  border: 2px solid #18447E;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 26px;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  margin-top: 8px;
}
.cta-secondary:hover, .cta-secondary:focus {
  background: #ECF3FA;
  color: #14345b;
  border-color: #14345b;
}

/* HEADER & NAVIGATION ============================= */
header {
  background: #fff;
  box-shadow: 0 2px 14px rgba(24, 68, 126, 0.08);
  position: sticky;
  top: 0;
  z-index: 200;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 20px;
}
header a img {
  width: 144px;
  min-width: 112px;
  height: auto;
}
header nav {
  display: flex;
  gap: 22px;
  align-items: center;
}
header nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  color: #26324A;
  font-size: 1rem;
  padding: 6px 8px;
  border-radius: 4px;
  transition: background 0.13s, color 0.13s;
  position: relative;
}
header nav a.cta-primary {
  margin-left: 8px;
}
header nav a:hover:not(.cta-primary), header nav a:focus:not(.cta-primary) {
  background: #ECF3FA;
  color: #18447E;
}
header nav a.active {
  color: #18447E;
  font-weight: 700;
}
.mobile-menu-toggle {
  display: none;
  background: transparent;
  color: #18447E;
  font-size: 2rem;
  border: none;
  padding: 6px 16px;
  cursor: pointer;
  border-radius: 7px;
  transition: background 0.17s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #e3eaf5;
}

/* MOBILE NAVIGATION =============================== */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: 100vh;
  background: #fff;
  box-shadow: 0 4px 32px rgba(24,68,126,0.15);
  z-index: 9999;
  display: flex;
  flex-direction: column;
  transform: translateX(-100%);
  transition: transform 0.36s cubic-bezier(0.46,0.03,0.52,0.96);
  will-change: transform;
  pointer-events: none;
  opacity: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: auto;
  opacity: 1;
}
.mobile-menu-close {
  background: transparent;
  color: #18447E;
  font-size: 2.4rem;
  border: none;
  align-self: flex-end;
  margin: 24px 30px 0 0;
  cursor: pointer;
  border-radius: 7px;
  transition: background 0.16s;
  z-index: 1;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #e3eaf5;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 22px;
  align-items: flex-start;
  padding: 30px 32px;
  margin-top: 12px;
}
.mobile-nav a {
  color: #18447E;
  font-size: 1.2rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  padding: 11px 0 11px 10px;
  border-radius: 8px;
  transition: background 0.14s;
  width: 100%;
  display: block;
}
.mobile-nav a:hover {
  background: #e3eaf5;
}

/* MAIN & SECTIONS ================================ */
main {
  width: 100%;
  margin-bottom: 50px;
}
section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 6px 18px rgba(24, 68, 126, 0.06);
  display: flex;
  flex-direction: column;
  gap: 20px;
}
@media (max-width: 900px) {
  section {
    padding: 30px 12px;
    border-radius: 12px;
  }
}
@media (max-width: 600px) {
  section {
    padding: 20px 4px;
    border-radius: 8px;
  }
}
/* Styling for .text-section (policy pages/blocks) */
.text-section {
  background: #F3F7FB;
  border-radius: 10px;
  padding: 24px 18px;
  margin-bottom: 12px;
}
.text-section h2 {
  margin-top: 18px;
}
.text-section ul, .text-section ol {
  margin-bottom: 10px;
}
/* FOOTER ========================================= */
footer {
  background: #18447E;
  color: #fff;
  width: 100%;
  padding: 0;
  margin-top: 36px;
}
footer .container {
  padding: 30px 20px;
}
footer .content-wrapper {
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
}
footer nav {
  display: flex;
  gap: 21px;
  margin-bottom: 8px;
  flex-wrap: wrap;
}
footer nav a {
  color: #f1f6fc;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1rem;
  padding: 3px 8px;
  border-radius: 4px;
  transition: background 0.12s, color 0.12s;
}
footer nav a:hover {
  background: #223E68;
  color: #F6C82A;
}
footer address {
  font-style: normal;
  font-size: 0.98rem;
  color: #e3eefa;
  line-height: 1.7;
}
footer address a {
  color: #F6C82A;
  text-decoration: underline;
}
footer address a:hover {
  text-decoration: none;
  color: #fff388;
}

/* ICONS IN LISTS ================================ */
ul li img {
  width: 20px;
  height: 20px;
  vertical-align: middle;
  margin-right: 8px;
  margin-bottom: 2px;
}

/* RESPONSIVE DESIGN ============================== */
@media (max-width: 1024px) {
  .container {
    max-width: 94vw;
  }
}
@media (max-width: 920px) {
  header .container {
    flex-direction: row;
    gap: 12px;
  }
  .tips-grid {
    gap: 12px;
  }
}
@media (max-width: 900px) {
  h1 {
    font-size: 2.1rem;
  }
  h2 {
    font-size: 1.5rem;
  }
  .testimonial-card {
    flex-direction: column;
    gap: 9px;
    align-items: flex-start;
    font-size: 0.99rem;
  }
}
@media (max-width: 768px) {
  header nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  .text-image-section, .content-grid {
    flex-direction: column;
    gap: 16px;
  }
  .tips-grid {
    flex-direction: column;
  }
  .testimonial-card {
    padding: 14px;
  }
  .footer .container {
    padding: 26px 8px;
  }
}
@media (max-width: 540px) {
  h1 {
    font-size: 1.45rem;
  }
  h2 {
    font-size: 1.2rem;
  }
  .cta-primary, .cta-secondary {
    font-size: 0.95rem;
    padding: 10px 14px;
  }
  footer .container {
    padding: 18px 2px;
  }
}

/* FORMS & INPUTS (if needed in future) ============ */
input, textarea, select {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  padding: 10px 14px;
  border-radius: 7px;
  border: 1px solid #A9B9C8;
  background: #FFF;
  outline: none;
  margin-bottom: 12px;
  transition: border 0.14s;
}
input:focus, textarea:focus, select:focus {
  border-color: #18447E;
}
button {
  font-family: inherit;
}

/* MICRO-INTERACTIONS & TRANSITIONS =============== */
.card, .testimonial-card, .cta-primary, .cta-secondary {
  transition: box-shadow 0.2s, background 0.18s, color 0.17s, border 0.17s, transform 0.16s;
}
.card:active, .cta-primary:active, .cta-secondary:active {
  transform: scale(0.98);
}

/* COOKIE CONSENT BANNER =========================== */
.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 99999;
  background: #26324A;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 24px 16px 20px 16px;
  box-shadow: 0 -2px 13px rgba(24,68,126,0.13);
  border-radius: 16px 16px 0 0;
  align-items: center;
  animation: cookieBannerSlideIn 0.6s cubic-bezier(0.45,0.1,0.42,1);
}
@keyframes cookieBannerSlideIn {
  0% { transform: translateY(100%); opacity: 0; }
  100% { transform: translateY(0); opacity: 1; }
}
.cookie-banner .cookie-buttons {
  display: flex;
  gap: 14px;
  margin-top: 8px;
}
.cookie-banner button {
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 24px;
  padding: 9px 28px;
  font-size: 0.97rem;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: background 0.13s, color 0.13s;
}
.cookie-banner .cookie-accept {
  background: #18447E;
  color: #fff;
}
.cookie-banner .cookie-accept:hover, .cookie-banner .cookie-accept:focus {
  background: #14345b;
  color: #F6C82A;
}
.cookie-banner .cookie-reject {
  background: #fff;
  color: #18447E;
  border: 1.5px solid #18447E;
}
.cookie-banner .cookie-reject:hover, .cookie-banner .cookie-reject:focus {
  border-color: #14345b;
  color: #14345b;
}
.cookie-banner .cookie-settings {
  background: #F6C82A;
  color: #18447E;
  border: none;
}
.cookie-banner .cookie-settings:hover, .cookie-banner .cookie-settings:focus {
  background: #ffe480;
  color: #14345b;
}
@media (max-width: 540px) {
  .cookie-banner .cookie-buttons {
    flex-direction: column;
    gap: 9px;
    width: 100%;
    align-items: stretch;
  }
}

/* COOKIE PREFS MODAL ============================= */
.cookie-modal-overlay {
  display: none;
  position: fixed;
  z-index: 100000;
  left: 0;
  top: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(24, 68, 126, 0.25);
  justify-content: center;
  align-items: center;
  transition: opacity 0.23s;
}
.cookie-modal-overlay.open {
  display: flex;
  opacity: 1;
}
.cookie-modal {
  background: #fff;
  border-radius: 18px;
  max-width: 430px;
  width: 95vw;
  padding: 33px 24px 24px 24px;
  box-shadow: 0 8px 64px rgba(24,68,126,0.11);
  color: #26324A;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
  animation: cookieModalIn 0.37s cubic-bezier(0.46,0.03,0.52,0.96);
}
@keyframes cookieModalIn{
  from{ transform: translateY(30px) scale(0.97); opacity: 0; }
  to{ transform: translateY(0) scale(1); opacity: 1; }
}
.cookie-modal h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #18447E;
  font-size: 1.18rem;
  margin-bottom: 8px;
}
.cookie-modal label {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 1rem;
}
.cookie-modal input[type="checkbox"]:not(:disabled) {
  accent-color: #18447E;
}
.cookie-modal .modal-buttons {
  display: flex;
  gap: 14px;
  margin-top: 12px;
  justify-content: flex-end;
}
.cookie-modal .modal-save {
  background: #18447E;
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 24px;
  padding: 9px 28px;
  font-size: 0.97rem;
  border: none;
  cursor: pointer;
}
.cookie-modal .modal-save:hover, .cookie-modal .modal-save:focus {
  background: #14345b;
  color: #F6C82A;
}
.cookie-modal .modal-cancel {
  background: #fff;
  color: #18447E;
  border: 1.5px solid #18447E;
  border-radius: 24px;
  padding: 9px 28px;
  font-family: 'Montserrat', Arial, sans-serif;
}
.cookie-modal .modal-cancel:hover, .cookie-modal .modal-cancel:focus {
  border-color: #14345b;
  color: #14345b;
}
.cookie-modal .modal-close {
  position: absolute;
  right: 18px;
  top: 10px;
  color: #18447E;
  background: transparent;
  border: none;
  font-size: 1.6rem;
  cursor: pointer;
  border-radius: 7px;
}
.cookie-modal .modal-close:hover, .cookie-modal .modal-close:focus {
  background: #e3eaf5;
}

/* SPECIALS: LINKS, BADGES, ETC ==================== */
@media (max-width: 570px) {
  .badge {
    font-size: 0.8rem;
    padding: 2px 8px;
    margin-left: 5px;
  }
}

/* ACCESSIBILITY & HIGH CONTRAST =================== */
:focus-visible {
  outline: 2.5px solid #F6C82A;
  outline-offset: 2px;
}

/* SPACING ENFORCEMENT (as mandated) =============== */
section, .section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container, .content-grid, .tips-grid {
  gap: 20px !important;
}
.card {
  margin-bottom: 20px;
  position: relative;
}
.text-image-section {
  gap: 30px;
}
.testimonial-card {
  gap: 20px;
  padding: 20px;
}
.feature-item {
  gap: 15px;
}

/* Prevent overlapping: */
.card, .testimonial-card, .section, .content-grid > *, .tips-grid > * {
  margin-bottom: 20px;
}

/* HIDE BUTTONS THAT ARE REPLACED BY JS WHEN NEEDED ==================*/
.mobile-menu,
.cookie-banner,
.cookie-modal-overlay {
  display: none;
}
.mobile-menu.open {
  display: flex;
}
.cookie-banner.active {
  display: flex;
}
.cookie-modal-overlay.open {
  display: flex;
}

/* END OF STYLES ==================================*/