/* -------------------------
   CSS RESET & BASE STYLES
-------------------------- */
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;
}
article, aside, details, figcaption, figure,
footer, header, hgroup, menu, nav, section {
  display: block;
}
body {
  line-height: 1.5;
  min-height: 100vh;
  background: #F6F6F6;
  color: #222;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  font-weight: 400;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
ul, ol {
  list-style: none;
}
a {
  background: transparent;
  color: inherit;
  text-decoration: none;
  transition: color 0.2s;
}
img {
  max-width: 100%;
  height: auto;
  display: inline-block;
}
*:focus {
  outline: 2px solid #20304A;
  outline-offset: 2px;
}
/* Typography scale */
h1 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 2.7rem;
  color: #111;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
h2 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 2rem;
  letter-spacing: -0.01em;
  color: #18202b;
  margin-bottom: 16px;
}
h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1.3rem;
  color: #222;
  margin-bottom: 10px;
}
h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 400;
  color: #222;
}
p, li, blockquote {
  font-family: 'Roboto', Arial, sans-serif;
  color: #222;
  font-size: 1rem;
  margin-bottom: 14px;
}
blockquote {
  font-style: italic;
  font-size: 1.1rem;
  margin: 0 0 8px;
  padding-left: 16px;
  border-left: 3px solid #20304A;
  color: #111;
  background-color: #fff;
}
.subheadline {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1.15rem;
  color: #666;
  line-height: 1.7;
  margin-bottom: 22px;
}
strong {
  font-weight: 600;
  color: #111;
}
/* Container & Global Layouts */
.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding-left: 16px;
  padding-right: 16px;
  box-sizing: border-box;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 0 0 14px;
}
/* Section Spacing */
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
section {
  margin-bottom: 60px;
  padding: 40px 0 0 0;
}
/* -------------------------
   HEADER & NAVIGATION
-------------------------- */
header {
  width: 100%;
  background: #fff;
  box-shadow: 0 2px 24px rgba(32,48,74,0.05);
  border-bottom: 1px solid #EBEBEB;
  position: relative;
  z-index: 12;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
  gap: 10px;
}
.logo img {
  display: block;
  height: 38px;
  width: auto;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.main-nav a {
  color: #20304A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1rem;
  padding: 4px 10px;
  letter-spacing: 0.01em;
  border-radius: 4px;
  transition: background 0.18s, color 0.18s;
}
.main-nav a:hover, .main-nav a:focus {
  color: #fff;
  background: #20304A;
}
.cta-button {
  background: #20304A;
  color: #fff !important;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.02em;
  border: none;
  border-radius: 8px;
  padding: 11px 28px;
  margin-left: 16px;
  cursor: pointer;
  box-shadow: 0 3px 12px 0 rgba(32,48,74,0.10);
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  display: inline-block;
  position: relative;
  z-index: 8;
}
.cta-button:hover, .cta-button:focus {
  background: #111;
  color: #fff !important;
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 8px 28px 0 rgba(32,48,74,0.16);
}
/* HERO HIGHLIGHT, BREADCRUMBS, ETC. - no specific classes in HTML, so skip */
/* Burger menu (MOBILE) */
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2.1rem;
  color: #20304A;
  margin-left: 10px;
  cursor: pointer;
  z-index: 51;
  transition: color 0.18s, background 0.18s;
}
.mobile-menu-toggle:focus {
  background: #eee;
  border-radius: 50%;
}
.mobile-menu {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(17,19,22,0.98);
  z-index: 999;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  padding: 0;
  transform: translateX(100%);
  transition: transform 0.34s cubic-bezier(.77,.12,.32,.98);
}
.mobile-menu.open {
  display: flex;
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.4rem;
  padding: 15px 20px 10px 12px;
  margin-left: auto;
  cursor: pointer;
  transition: color 0.13s;
}
.mobile-menu-close:focus, .mobile-menu-close:hover {
  color: #20304A;
  background: #f6f6f6;
  border-radius: 4px;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 22px 28px 0 34px;
  width: 100%;
}
.mobile-nav a {
  color: #f6f6f6;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1.15rem;
  padding: 14px 0 12px 0;
  border-radius: 3px;
  transition: background 0.18s, color 0.18s;
  display: block;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #20304A;
  background: #fff;
}
@media (max-width: 1023px) {
  .main-nav, .cta-button {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 1024px) {
  .mobile-menu {
    display: none !important;
  }
}
/* -------------------------
   FLEXBOX LAYOUT PATTERNS
-------------------------- */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 3px 18px 0 rgba(32,48,74,0.08);
  padding: 32px 24px 28px 24px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-width: 250px;
  max-width: 420px;
  transition: box-shadow 0.23s, transform 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 12px 32px 0 rgba(32,48,74,0.13);
  transform: scale(1.018);
}
.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;
  padding: 20px;
  background: #fff;
  border-radius: 12px;
  margin-bottom: 24px;
  box-shadow: 0 1px 9px rgba(32,48,74,0.11);
  transition: box-shadow 0.19s, transform 0.17s;
}
.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 9px 28px 0 rgba(32,48,74,0.13);
  transform: scale(1.012);
}
.testimonial-meta {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #555;
  letter-spacing: 0.01em;
  margin-left: 11px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #fff;
  padding: 22px 18px 18px 18px;
  border-radius: 11px;
  margin-bottom: 16px;
  min-width: 180px;
  max-width: 320px;
  box-shadow: 0 1px 9px rgba(32,48,74,0.10);
  transition: box-shadow 0.16s, transform 0.15s;
}
.feature-item img {
  width: 44px;
  height: 44px;
  margin-bottom: 4px;
}
.feature-item h3 {
  color: #20304A;
  font-weight: 600;
}
.feature-item:hover, .feature-item:focus-within {
  box-shadow: 0 5px 20px 0 rgba(32,48,74,0.14);
  transform: translateY(-2px) scale(1.02);
}
/* Multi-Column Flex layouts for features */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
@media (max-width: 1023px) {
  .feature-grid {
    flex-direction: column;
    gap: 18px;
  }
}
.articles-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.articles-list article {
  background: #fff;
  border-radius: 11px;
  box-shadow: 0 1px 9px rgba(32,48,74,0.10);
  padding: 20px 16px;
  transition: box-shadow 0.15s, transform 0.14s;
}
.articles-list article:hover {
  box-shadow: 0 7px 18px 0 rgba(32,48,74,0.13);
  transform: scale(1.012);
}
.articles-list h3 {
  margin-bottom: 8px;
}
.articles-list a {
  color: #20304A;
  font-weight: 600;
  text-decoration: underline;
  transition: color 0.15s;
}
.articles-list a:hover, .articles-list a:focus {
  color: #222;
}
.categories {
  margin-top: 24px;
}
.categories ul {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 8px;
}
.categories li {
  padding: 3px 11px;
  border-radius: 4px;
  background: #f6f6f6;
  font-size: 0.96rem;
  font-weight: 500;
}
/* -------------------------
   FOOTER
-------------------------- */
footer {
  background: #111;
  color: #fff;
  padding: 50px 0 34px 0;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 36px 48px;
}
.footer-logo {
  margin-right: 40px;
  min-width: 122px;
}
.footer-logo img {
  height: 38px;
  filter: brightness(0) invert(1);
}
.footer-links, .footer-legal {
  display: flex;
  flex-direction: column;
  gap: 11px;
  min-width: 150px;
}
.footer-links a, .footer-legal a {
  color: #fafcff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 400;
  opacity: 0.92;
  transition: color 0.18s, opacity 0.18s;
  margin-bottom: 2px;
}
.footer-links a:hover, .footer-legal a:hover {
  color: #8898AA;
  opacity: 1.0;
}
.contact-summary {
  color: #CCCCCF;
  font-size: 0.97rem;
  font-family: 'Roboto', Arial, sans-serif;
  display: flex;
  flex-direction: column;
  gap: 3px;
  min-width: 210px;
}
.contact-summary img {
  width: 20px; height: 20px; vertical-align: middle; margin-right: 8px;
  filter: brightness(0) invert(0.8);
}
@media (max-width: 1023px) {
  footer .container {
    flex-direction: column;
    align-items: flex-start;
    gap: 22px;
    padding-bottom: 20px;
  }
  .footer-logo { margin-bottom: 10px; }
}

/* -------------------------
   BUTTONS & LINKS
-------------------------- */
button, .cta-button {
  font-size: 1rem;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
}
button:disabled, .cta-button:disabled {
  opacity: 0.57;
  cursor: not-allowed;
}
/* List item icons in contact summary & text-sections */
.text-section li img, ul li img {
  margin-right: 9px;
  width: 22px;
  height: 22px;
  vertical-align: middle;
}
/* Lists with icons tight alignment */
.text-section ul,
ul {
  display: flex;
  flex-direction: column;
  gap: 11px;
  margin-bottom: 18px;
}
.text-section li {
  display: flex;
  align-items: center;
  font-size: 1rem;
  color: #222;
  line-height: 1.6;
}
/* Links - global enhancement */
a {
  outline: none;
  transition: color 0.13s, background 0.13s;
}
a:focus {
  outline: 2px solid #20304A;
  outline-offset: 2px;
}
/* -------------------------
   RESPONSIVE 
-------------------------- */
@media (max-width: 768px) {
  .container { padding-left: 10px; padding-right: 10px; }
  .content-grid, .card-container, .feature-grid {
    flex-direction: column;
    gap: 18px;
  }
  .section, section {
    margin-bottom: 42px;
    padding: 28px 0 0 0;
  }
  h1 {
    font-size: 2.1rem;
  }
  h2 {
    font-size: 1.42rem;
  }
  .testimonial-card, .feature-item, .card {
    padding: 16px 12px;
    min-width: 0;
    max-width: 100%;
  }
  .text-image-section {
    flex-direction: column;
    gap: 16px;
  }
  .mobile-menu {
    padding-left: 0;
  }
  header .container {
    height: 62px;
    padding-left: 8px; padding-right: 8px;
  }
}

/* -------------------------
   COOKIE CONSENT BANNER
-------------------------- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  background: #24262A;
  color: #fff;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  justify-content: center;
  padding: 22px 10px 20px 10px;
  gap: 17px;
  box-shadow: 0 -3px 21px rgba(32,48,74,0.12);
  z-index: 1500;
  transition: transform 0.26s, opacity 0.17s;
}
.cookie-banner.hide {
  opacity: 0;
  transform: translateY(100%);
  pointer-events: none;
}
.cookie-banner__text {
  margin-bottom: 9px;
  color: #eee;
  font-size: 1rem;
}
.cookie-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
}
.cookie-banner__button {
  background: #20304A;
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 10px 22px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  margin: 0;
  cursor: pointer;
  box-shadow: 0 1px 7px 0 rgba(32,48,74,0.06);
  transition: background 0.18s, color 0.18s, transform 0.13s;
}
.cookie-banner__button.cookie-settings {
  background: #111;
  color: #fff;
  border: 1px solid #20304A;
}
.cookie-banner__button:hover, .cookie-banner__button:focus {
  background: #fff;
  color: #20304A;
}
/* COOKIE MODAL */
.cookie-modal {
  position: fixed;
  z-index: 1550;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(32,49,74,0.62);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.18s;
}
.cookie-modal.hide {
  display: none;
  opacity: 0;
}
.cookie-modal__dialog {
  background: #fff;
  color: #20304A;
  border-radius: 16px;
  max-width: 420px;
  width: 95%;
  padding: 38px 22px 28px 22px;
  box-shadow: 0 12px 44px 3px rgba(0,0,0,0.16);
  display: flex;
  flex-direction: column;
}
.cookie-modal__title {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.35rem;
  margin-bottom: 15px;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 28px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
}
.cookie-category label {
  font-size: 1rem;
  font-family: 'Roboto', Arial, sans-serif;
  color: #20304A;
}
.cookie-toggle {
  appearance: none;
  width: 40px;
  height: 22px;
  border-radius: 11px;
  background: #e3e3e5;
  position: relative;
  transition: background 0.15s;
  margin-right: 6px;
}
.cookie-toggle:checked {
  background: #20304A;
}
.cookie-toggle:before {
  content: '';
  position: absolute;
  left: 3px;
  top: 3px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #fff;
  transition: left 0.13s;
}
.cookie-toggle:checked:before {
  left: 21px;
}
.cookie-modal__actions {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
}
.cookie-modal__close {
  background: none;
  color: #8898AA;
  font-size: 1.5rem;
  position: absolute;
  top: 12px; right: 16px;
  border: none;
  cursor: pointer;
  transition: color 0.15s;
}
.cookie-modal__close:hover {
  color: #20304A;
}
@media (max-width: 540px) {
  .cookie-modal__dialog {
    padding: 23px 6px 20px 6px;
  }
}
/* -------------------------
   MICRO-INTERACTIONS
-------------------------- */
.card, .feature-item, .testimonial-card, .articles-list article, .cta-button, .mobile-menu, .cookie-banner, .cookie-modal {
  transition: box-shadow 0.17s, transform 0.15s, background 0.14s, color 0.14s;
}
button:active, .cta-button:active {
  transform: scale(0.97);
}
/* -------------------------
   VISUAL ENHANCEMENTS
-------------------------- */
.card, .feature-item, .testimonial-card, .articles-list article {
  box-shadow: 0 2px 17px 0 rgba(32,48,74,0.09);
  border: 1px solid #e9e9ea;
}
.card, .feature-item, .testimonial-card {
  border-radius: 11px;
}
/* Visual hierarchy: subtle border-bottom for h2 anchors */
h2 {
  border-bottom: 2px solid #20304A;
  padding-bottom: 7px;
  margin-bottom: 19px;
  display: inline-block;
}
/* Remove border if after h1 for hero */
.content-wrapper > h1 + .subheadline, .content-wrapper > h1 + p {
  margin-top: -7px;
}
/* Small help */
::-webkit-input-placeholder { color: #bbb; }
::-moz-placeholder { color: #bbb; }
:-ms-input-placeholder { color: #bbb; }
::placeholder { color: #bbb; }
/* Monochrome sophisticated link underline for accessibility */
a:not(.cta-button):not(.main-nav a):not(.footer-links a):not(.footer-legal a):hover, a:not(.cta-button):not(.main-nav a):not(.footer-links a):not(.footer-legal a):focus {
  text-decoration: underline;
  color: #20304A;
}
/* Ensure no elements overlap on small screens */
@media (max-width: 530px) {
  .footer-links, .footer-legal, .contact-summary { min-width: 0; }
  .feature-item, .card, .testimonial-card { min-width: 0; max-width: 100%; }
}
/* Accessibility skip link (optional) */
.skip-link {
  position: absolute;
  left: -10000px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
  z-index: 2001;
}
.skip-link:focus {
  left: 8px;
  top: 8px;
  width: auto;
  height: auto;
  padding: 9px 18px;
  background: #fff;
  color: #20304A;
  border-radius: 6px;
  box-shadow: 0 2px 5px rgba(0,0,0,0.13);
}