/* =========================
   CSS RESET & BASE LAYOUTS
   ========================= */
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;
  scroll-behavior: smooth;
}

*, *:before, *:after {
  box-sizing: inherit;
}

body {
  background: #faf9f7;
  color: #232323;
  font-family: 'Roboto', 'Georgia', serif;
  line-height: 1.7;
  font-size: 1rem;
  min-height: 100vh;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
  height: auto;
}

a {
  color: #194677;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover,
a:focus {
  color: #E2B600;
  text-decoration: underline;
}

ul, ol {
  margin: 0 0 1.2em 1.8em;
  padding: 0;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Georgia', serif;
  font-weight: 700;
  color: #194677;
  margin-bottom: 22px;
  line-height: 1.18;
}
h1 { font-size: 2.5rem; margin-bottom: 28px; }
h2 { font-size: 2rem; margin-bottom: 18px; }
h3 { font-size: 1.35rem; margin-bottom: 10px; }
h4, h5, h6 { font-size: 1.1rem; }

strong { font-weight: 700; }
em, i { font-style: italic; }

hr {
  border: none;
  border-bottom: 1px solid #e6e4de;
  margin: 32px 0;
}

.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}

.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 26px;
}

/* =========================
     TYPOGRAPHY SCALE & CTAs
   ========================= */
.subheadline {
  font-size: 1.2rem;
  color: #7a7d7f;
  font-family: 'Roboto', 'Georgia', serif;
  font-weight: 400;
  margin-bottom: 20px;
}

.btn-primary, .btn-secondary {
  font-family: 'Montserrat', serif;
  font-weight: 600;
  border-radius: 6px;
  padding: 13px 32px;
  font-size: 1.07rem;
  transition: background 0.18s, color 0.18s, box-shadow 0.16s;
  outline: none;
  cursor: pointer;
  box-shadow: 0 1px 6px rgba(25,70,119,0.10);
  border: none;
  display: inline-block;
  letter-spacing: 0.01em;
  margin-top: 8px;
}

.btn-primary {
  background: #194677;
  color: #fff;
  border: 1.5px solid #194677;
}
.btn-primary:hover, .btn-primary:focus {
  background: #153a61;
  color: #E2B600;
  box-shadow: 0 4px 16px rgba(25,70,119,0.13);
}

.btn-secondary {
  background: #fff;
  color: #194677;
  border: 1.5px solid #E2B600;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: #E2B600;
  color: #194677;
  box-shadow: 0 4px 12px rgba(226,182,0,0.06);
}

/* =========================
      HEADER & NAVIGATION
   ========================= */
header {
  width: 100%;
  background: #FCFCFC;
  border-bottom: 1px solid #ecebe8;
  box-shadow: 0 3px 14px -10px #c8c4ba;
  z-index: 1031;
  position: relative;
}
header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 12px;
  padding-bottom: 12px;
}
nav {
  display: flex;
  align-items: center;
  flex: 1;
  gap: 30px;
  min-width: 0;
}
.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

nav a img {
  height: 40px;
  width: auto;
  margin-right: 22px;
}

nav a {
  font-family: 'Montserrat', serif;
  color: #194677;
  font-size: 1rem;
  font-weight: 500;
  transition: color 0.17s;
  position: relative;
  padding: 2px 7px;
}

nav a:hover, nav a:focus {
  color: #E2B600;
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  color: #194677;
  font-size: 2.1rem;
  cursor: pointer;
  margin-left: 18px;
  z-index: 1302;
  transition: color 0.2s;
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover {
  color: #E2B600;
}

/* Mobile menu overlay */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(252,252,252,0.97);
  box-shadow: 0 2px 38px #b1aec0;
  transform: translateX(-105%);
  transition: transform 0.4s cubic-bezier(.7,.2,.1,1.2);
  z-index: 1400;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 32px 24px 24px 24px;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  font-size: 2.1rem;
  background: none;
  border: none;
  color: #194677;
  cursor: pointer;
  margin-bottom: 10px;
  z-index: 1405;
  transition: color 0.2s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  color: #E2B600;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
  margin-top: 20px;
}
.mobile-nav a {
  font-size: 1.17rem;
  font-family: 'Montserrat', serif;
  color: #194677;
  padding: 12px 0;
  width: 100%;
  border-radius: 6px;
  transition: background 0.13s, color 0.12s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: #f7f4ea;
  color: #E2B600;
}

@media (max-width: 991px) {
  nav .nav-links, nav .btn-primary {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 992px) {
  .mobile-menu {
    display: none !important;
  }
}

/* =========================
         HERO SECTION
   ========================= */
.hero {
  background: #f0f2f7;
  min-height: 370px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 56px 0 50px 0;
}
.hero .container {
  display: flex;
  align-items: center;
  justify-content: flex-start;
}
.hero .content-wrapper {
  max-width: 650px;
  gap: 23px;
}

/* =========================
           FEATURES
   ========================= */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: space-between;
  margin-top: 10px;
}
.feature-grid > div {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 14px rgba(25,70,119,0.04);
  padding: 25px 20px 22px 20px;
  flex: 0 1 260px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.18s, transform 0.18s;
  min-width: 220px;
  margin-bottom: 20px;
}
.feature-grid > div:hover {
  box-shadow: 0 4px 22px 0px #d2bef091;
  transform: translateY(-3px) scale(1.015);
}
.feature-grid img {
  width: 38px;
  height: 38px;
  margin-bottom: 12px;
}
.feature-grid h3 {
  font-size: 1.18rem;
  color: #194677;
}

/* =========================
    SERVICES & VALUE LISTS
   ========================= */
.service-list, .value-list, .usp-list {
  list-style: disc inside none;
  font-family: 'Roboto', serif;
  font-size: 1rem;
  color: #383838;
  margin-bottom: 26px;
}
.service-list li, .value-list li, .usp-list li {
  margin-bottom: 16px;
  padding-left: 3px;
}

.service-categories, .advantage-icons, .trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  justify-content: flex-start;
  margin-bottom: 22px;
  margin-top: 5px;
}
.service-categories > div {
  flex: 0 1 270px;
  background: #fff;
  border-radius: 13px;
  box-shadow: 0 1px 10px rgba(25,70,119,0.055);
  padding: 23px 18px 18px 18px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  margin-bottom: 20px;
  transition: box-shadow 0.16s, transform 0.15s;
}
.service-categories > div:hover {
  box-shadow: 0 4px 16px 0px #b8aa6d1f;
  transform: scale(1.012);
}
.service-categories img {
  width: 35px;
  height: 35px;
  margin-bottom: 11px;
}

.advantage-icons img, .trust-badges img {
  width: 35px;
  height: 35px;
  margin-right: 8px;
}

/* =========================
      CTA BANNER SECTION
   ========================= */
.cta-banner {
  background: #194677;
  color: #fff;
  border-radius: 18px;
  margin: 48px 0 0 0;
  box-shadow: 0 2px 16px rgba(25,70,119,0.05);
  padding: 44px 0;
  display: flex;
  align-items: center;
  justify-content: center;
}
.cta-banner .content-wrapper {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
  color: #fff;
  text-align: center;
}
.cta-banner .btn-primary, .cta-banner .btn-secondary {
  margin-top: 6px;
}

/* =========================
      TESTIMONIALS CARDS
   ========================= */
.testimonial-preview, .testimonials-preview {
  margin-bottom: 0;
}
.testimonial-slider, .testimonial-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 8px;
  justify-content: flex-start;
}
.testimonial-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 32px -10px #c6c1b6;
  padding: 28px 22px 16px 22px;
  max-width: 380px;
  min-width: 240px;
  flex: 1 1 260px;
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.21s, transform 0.18s;
  color: #1D2436;
}
.testimonial-card:hover {
  box-shadow: 0 8px 48px -8px #b1aac1;
  transform: translateY(-4px) scale(1.018);
}
.testimonial-card p {
  font-size: 1.07rem;
  line-height: 1.7;
  margin-bottom: 14px;
  color: #272b32;
  font-family: 'Georgia', serif;
  font-style: italic;
}
.testimonial-card strong {
  font-family: 'Montserrat', serif;
  font-weight: 600;
  color: #194677;
  font-size: 1rem;
}
.testimonial-card .stars {
  color: #E2B600;
  font-size: 1.2rem;
  letter-spacing: 1px;
  margin-top: 8px;
}
.customer-phrases ul {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.customer-phrases li {
  background: #eee9de;
  border-radius: 9px;
  padding: 7px 17px;
  font-size: 1rem;
  color: #6E6100;
  font-family: 'Montserrat', serif;
}

/* =========================
       CARD & FLEX UTILS
   ========================= */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  box-shadow: 0 2px 16px rgba(25,70,119,0.06);
  border-radius: 14px;
  padding: 25px 20px;
}
.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;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* =========================
         FORMS, FAQ
   ========================= */
input, textarea, select {
  font-family: 'Roboto', 'Georgia', serif;
  font-size: 1rem;
  border: 1px solid #c8c2b9;
  padding: 11px 13px;
  border-radius: 6px;
  background: #faf9f6;
  margin-bottom: 20px;
  outline: none;
  width: 100%;
  transition: border-color 0.18s;
}
input:focus, textarea:focus, select:focus {
  border-color: #194677;
}

.faq-snippet dl {
  margin-top: 8px;
}
.faq-snippet dt {
  font-family: 'Montserrat', serif;
  font-weight: 600;
  color: #194677;
  margin-top: 18px;
  margin-bottom: 6px;
  font-size: 1.05rem;
}
.faq-snippet dd {
  margin-bottom: 13px;
  margin-left: 0;
  color: #545454;
}

/* =========================
           TABLES
   ========================= */
.comparison-table {
  margin: 20px 0;
  overflow-x: auto;
}
.comparison-table table {
  border-collapse: separate;
  border-spacing: 0;
  width: 100%;
  background: #fff;
  box-shadow: 0 2px 14px rgba(25,70,119,0.03);
  border-radius: 9px;
  overflow: hidden;
  font-size: 0.98rem;
}
.comparison-table th, .comparison-table td {
  padding: 13px 16px;
  text-align: left;
  border-bottom: 1px solid #ececeb;
}
.comparison-table th {
  background: #f6f2eb;
  color: #194677;
  font-family: 'Montserrat', serif;
  font-weight: 600;
}
.comparison-table tr:last-child td { border-bottom: none; }

/* =========================
           ADDRESS
   ========================= */
address {
  font-style: normal;
  color: #3f3b35;
  font-family: 'Roboto', 'Georgia', serif;
  font-size: 1rem;
  margin-top: 18px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
address img {
  width: 18px;
  height: 18px;
  margin-right: 6px;
  vertical-align: middle;
  display: inline-block;
}
address a {
  color: #194677;
}
address a:hover {
  text-decoration: underline;
  color: #E2B600;
}

/* =========================
            FOOTER
   ========================= */
footer {
  background: #f7f6f3;
  border-top: 1.5px solid #e7e4e1;
  padding: 44px 0 22px 0;
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 22px;
  align-items: center;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-bottom: 10px;
  justify-content: center;
}
.footer-nav a {
  color: #436188;
  font-family: 'Montserrat', serif;
  font-size: 0.98rem;
  padding: 3px 7px;
}
.footer-nav a:hover {
  color: #E2B600;
}
.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 15px;
}
.footer-social a img {
  width: 25px;
  height: 25px;
  filter: grayscale(0.4);
  opacity: 0.83;
  transition: filter 0.17s, opacity 0.15s;
}
.footer-social a:hover img {
  filter: grayscale(0);
  opacity: 1;
}

/* =========================
           MAP & CONTACT
   ========================= */
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 13px;
  font-family: 'Roboto', serif;
}
.contact-details p {
  font-size: 1.03rem;
  color: #232323;
}
.contact-details img {
  width: 20px;
  height: 20px;
  margin-right: 6px;
  vertical-align: middle;
}
.map-embed {
  margin: 20px 0 14px 0;
  padding: 12px 0 0 0;
  font-style: italic;
  color: #5e6672;
}

/* =========================
      MISCELLANEOUS
   ========================= */
.value-list, .usp-list {margin-top:10px;}
.text-section {margin-bottom:18px;}
.process-steps {margin:18px 0 22px 20px; color:#58514a;}
.process-steps li {margin-bottom:11px;line-height:1.55;}
.guide-categories, .featured-articles {margin-bottom:22px;}
.guide-categories ul, .featured-articles ul {margin-left:0;padding-left:15px;}
.guide-categories li, .featured-articles li {margin-bottom:11px;}
.featured-articles a {color:#194677; font-weight:500; text-decoration:underline;}
.featured-articles a:hover {color:#E2B600;}

.confirmation-message {
  font-size: 1.2rem;
  color: #2D2F33;
  font-family: 'Montserrat', serif;
  margin-bottom: 18px;
}
.what-happens-next {
  font-size: 1.07rem;
  color: #505053;
  margin-bottom: 20px;
}

/* =========================
    COOKIE CONSENT BANNER
   ========================= */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100vw;
  background: #fffbe7;
  color: #514217;
  border-top: 1.8px solid #E2B600;
  box-shadow: 0 -2px 32px #9a9577b2;
  z-index: 2100;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 19px 22px 17px 22px;
  font-family: 'Roboto', 'Georgia', serif;
  gap: 17px;
  animation: cookieBannerIn 0.43s cubic-bezier(.6,.2,.33,1.3);
  font-size:1.06rem;
}
@keyframes cookieBannerIn {
  0% { transform: translateY(120%); opacity: 0; }
  80% { transform: translateY(-5px); opacity: 1; }
  100% { transform: translateY(0); opacity: 1; }
}
.cookie-banner-buttons {
  display: flex;
  gap: 13px;
  flex-wrap: wrap;
}
.cookie-banner .btn-cookie {
  font-family: 'Montserrat', serif;
  border-radius: 5px;
  padding: 9px 17px;
  font-size:1rem;
  transition: background 0.12s, color 0.12s, box-shadow 0.13s;
  border:none;
  cursor: pointer;
  font-weight: 500;
}
.cookie-accept {
  background: #E2B600;
  color: #183760;
}
.cookie-accept:hover, .cookie-accept:focus {
  background: #ffd700;
}
.cookie-reject {
  background: #e6e4de;
  color: #565656;
}
.cookie-reject:hover, .cookie-reject:focus {
  background: #cecbbf;
}
.cookie-settings {
  background: #fff;
  color: #194677;
  border: 1px solid #E2B600;
}
.cookie-settings:hover, .cookie-settings:focus {
  background: #E2B600;
  color: #194677;
}

/* Cookie Modal */
.cookie-modal {
  position: fixed;
  z-index: 2110;
  left: 50%;
  top: 50%;
  width: 96vw;
  max-width: 415px;
  background: #fff;
  border: 2px solid #E2B600;
  border-radius: 16px;
  box-shadow: 0 6px 48px #2d2c1e4b;
  transform: translate(-50%, -50%) scale(0.96);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.32s cubic-bezier(.5,.5,0,1.4), opacity 0.27s;
  display: flex;
  flex-direction: column;
  padding: 38px 30px 28px 30px;
  gap: 18px;
}
.cookie-modal.open {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, -50%) scale(1);
}
.cookie-modal h2 {
  font-size: 1.16rem;
  margin-bottom: 18px;
  color: #194677;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 11px;
  margin-bottom:12px;
}
.cookie-category-row {
  display: flex;
  align-items: center;
  gap: 13px;
}
.cookie-category-row label {
  font-size: 1.04rem;
  color: #333;
  font-family: 'Roboto', serif;
}
.cookie-modal .btn-cookie {
  padding: 8px 16px;
  margin-top: 12px;
}
.cookie-modal-close {
  position: absolute;
  top: 20px;
  right: 24px;
  background: none;
  color: #194677;
  border: none;
  font-size: 1.7rem;
  cursor: pointer;
  transition: color 0.2s;
  z-index:5;
}
.cookie-modal-close:focus, .cookie-modal-close:hover {
  color: #E2B600;
}

/* =========================
       RESPONSIVE DESIGN
   ========================= */
@media (max-width: 991px) {
  .feature-grid, .service-categories, .advantage-icons, .trust-badges, .card-container, .testimonial-list, .testimonial-slider, .customer-phrases ul, .footer-nav {
    flex-direction: column;
    gap: 20px;
    align-items: stretch;
  }
  .feature-grid > div, .service-categories > div, .testimonial-card, .card {
    max-width: 100%;
    min-width: 0;
  }
}

@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  .hero .container {
    flex-direction: column;
    align-items: flex-start;
    padding: 0 10px;
  }
  .cta-banner {
    padding: 32px 0;
  }
  .content-wrapper {
    gap: 14px;
    padding: 0 4px;
  }
  .section {
    padding: 28px 7px;
    margin-bottom: 34px;
  }
  .feature-grid, .card-container, .testimonial-slider, .testimonial-list {
    gap: 14px;
    padding: 0 1px;
  }
  .text-image-section, .content-grid {
    flex-direction: column;
    gap: 16px;
  }
  header .container {
    padding: 7px 10px;
  }
  .footer-nav {
    gap: 9px;
  }
}
@media (max-width: 560px) {
  h1 { font-size: 1.7rem; }
  h2 { font-size: 1.23rem; }
  h3 { font-size: 1.06rem; }
  .footer-social a img {
    width: 22px;
    height: 22px;
  }
}

/* =========================
         MICRO-INTERACTIONS
   ========================= */
.btn-primary, .btn-secondary, .btn-cookie {
  transition:background 0.17s, color 0.17s, box-shadow 0.13s;
}
.feature-grid > div:active, .service-categories > div:active, .testimonial-card:active, .card:active {
  transform: scale(0.99);
  box-shadow: 0 1px 4px #b1b3b667;
}

/* === UTILITIES === */
.d-none { display: none !important; }

/* =========================
   OVERRIDE