/* ===================================================
   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,
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;
  box-sizing: border-box;
  vertical-align: baseline;
}
html {
  line-height: 1.15;
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}
article, aside, details, figcaption, figure, 
footer, header, hgroup, menu, nav, section {
  display: block;
}
body {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  background: #F2F2F2;
  color: #163559;
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  position: relative;
  font-size: 16px;
}
img {
  max-width: 100%;
  height: auto;
  vertical-align: middle;
}
a {
  color: #163559;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #FFD166;
  outline: none;
}
ul, ol {
  margin-left: 1.2em;
  margin-bottom: 16px;
}
li {
  margin-bottom: 8px;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #163559;
  font-weight: 700;
  margin-bottom: 16px;
}
h1 {font-size: 2.5rem; letter-spacing: -1px; line-height: 1.15;}
h2 {font-size: 2rem; letter-spacing: -1px; margin-top: 24px;}
h3 {font-size: 1.5rem; margin-top: 16px;}
h4 {font-size: 1.17rem;}
h5 {font-size: 1rem;}
h6 {font-size: 0.88rem; color: #163559;}
.subtitle {
  color: #FFD166;
  font-size: 1.25rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  margin-bottom: 24px;
}
strong {
  font-weight: 700;
}
em {
  font-style: italic;
}
section {
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 2px 16px 0 rgba(22,53,89,0.06);
  margin-bottom: 60px;
  padding: 40px 20px;
  position: relative;
  z-index: 1;
}
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding-left: 12px;
  padding-right: 12px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hero-section {
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 48px 10px;
  background: linear-gradient(95deg, #163559 60%, #FFD166 100%);
  color: #fff;
  border-radius: 24px;
  position: relative;
  box-shadow: 0 2px 32px 0 rgba(22,53,89,0.09);
}
.hero-section h1,
.hero-section h2,
.hero-section p {
  color: #fff;
}
/* ========== Branding Buttons ========== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  border: none;
  background: linear-gradient(90deg, #FFD166 60%, #FFBC42 100%);
  color: #163559;
  border-radius: 32px;
  padding: 14px 36px;
  margin-top: 12px;
  box-shadow: 0 2px 10px 0 rgba(22,53,89,0.08);
  cursor: pointer;
  transition: box-shadow 0.22s, background 0.21s, color 0.21s;
  text-shadow: none;
}
.btn-primary:hover, .btn-primary:focus {
  background: linear-gradient(90deg, #FFBC42 60%, #FFD166 100%);
  color: #143153;
  box-shadow: 0 8px 24px 0 rgba(255,209,102,0.16);
}
.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  background: #fff;
  color: #163559;
  border-radius: 32px;
  border: 2px solid #FFD166;
  padding: 10px 28px;
  box-shadow: 0 1px 4px 0 rgba(22,53,89,0.04);
  cursor: pointer;
  transition: background 0.19s, color 0.18s, border-color 0.18s;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: #FFD166;
  color: #163559;
  border-color: #FFBC42;
}
/* ========== Header & Navigation ========== */
header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: #fff;
  box-shadow: 0 2px 20px 0 rgba(22,53,89,0.06);
  position: sticky;
  top: 0;
  z-index: 999;
}
.logo img {
  height: 42px;
  width: auto;
  display: block;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-left: 36px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #163559;
  font-size: 1rem;
  font-weight: 600;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.18s, border 0.2s;
}
.main-nav a:hover, .main-nav a:focus {
  color: #FFD166;
  border-bottom: 2px solid #FFD166;
}
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2.1rem;
  color: #163559;
  cursor: pointer;
  padding: 8px;
  margin-left: 20px;
  z-index: 1002;
  transition: color 0.19s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  color: #FFD166;
}
/* ===== Mobile Menu Overlay ===== */
.mobile-menu {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  background: linear-gradient(70deg,#163559 82%,#FFD166 100%);
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw;
  height: 100vh;
  z-index: 2000;
  transform: translateX(-100vw);
  transition: transform 0.36s cubic-bezier(.5,.72,.38,.98);
  box-shadow: 0 8px 32px 0 rgba(22,53,89,0.28);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #FFD166;
  font-size: 2.5rem;
  margin: 30px 0 0 36px;
  align-self: flex-start;
  cursor: pointer;
  transition: color 0.17s;
  z-index: 2010;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #fff;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  margin-top: 48px;
  width: 100%;
  gap: 24px;
  align-items: flex-start;
  padding-left: 52px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.35rem;
  font-weight: 700;
  padding: 8px 0;
  letter-spacing: 0.5px;
  transition: color 0.21s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #FFD166;
}
/* ===================
   Services/Feature Cards/Sections
   =================== */
.services-section .service-grid, .services-section .feature-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 18px;
}
.service-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.service-feature {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 14px 0 rgba(22,53,89,0.06);
  padding: 28px 22px 18px;
  min-width: 240px;
  max-width: 320px;
  flex: 1 1 220px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  transition: box-shadow 0.22s, transform 0.22s;
  margin-bottom: 20px;
}
.service-feature img {
  width: 46px; height: 46px; margin-bottom: 4px;
}
.service-feature:hover {
  box-shadow: 0 8px 32px 0 rgba(255,209,102,0.19);
  transform: translateY(-2px) scale(1.017);
}
.services-section h2, .services-section h3 {
  color: #163559;
}
.feature-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  list-style: disc inside;
  margin: 0 0 10px 18px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  margin-bottom: 16px;
}
.text-accent {
  color: #FFD166;
  font-weight: 700;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}
.pricing {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.17rem;
  font-weight: 600;
  margin-top: 12px;
  color: #163559;
}

/* ===================
   Testimonial Section
   =================== */
.testimonials-section {
  background: #f8fafc;
  padding-bottom: 40px;
  border-radius: 18px;
}
.testimonials-section h2 {
  margin-bottom: 18px;
}
.testimonial-list {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 8px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 14px 0 rgba(22,53,89,0.07);
  padding: 20px;
  flex: 1 1 280px;
  gap: 20px;
  min-width: 250px;
  max-width: 410px;
  margin-bottom: 20px;
  position: relative;
  color: #163559;
}
.testimonial-card p {
  font-size: 1.1rem;
  color: #163559;
  margin-bottom: 10px;
}
.testimonial-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.98rem;
  color: #1a2e4b;
  font-weight: 600;
  opacity: 0.85;
}
.testimonial-card span:last-child {
  color: #FFD166;
  font-size: 1.1rem;
  letter-spacing: 1px;
}

/* ===================
    CTA Section
   =================== */
.cta-section {
  background: linear-gradient(95deg, #163559 60%, #FFD166 100%);
  color: #fff;
  border-radius: 18px;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 40px 10px 35px;
  box-shadow: 0 2px 20px 0 rgba(22,53,89,0.10);
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.cta-section h2, .cta-section p, .cta-section a, .cta-section ul li a {
  color: #fff;
}
.cta-section ul {
  margin: 8px auto 14px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  text-align: center;
}
.cta-section ul li a {
  text-decoration: underline;
  color: #FFD166;
  font-weight: 600;
  font-size: 1.1rem;
}
.cta-section .btn-primary {
  margin: 18px auto 0;
}

/* ===================
   FAQ Section
   =================== */
.faq-section {
  border-radius: 16px;
}
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-left: 0;
}
.faq-list dt {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.12rem;
  font-weight: 700;
  color: #163559;
  margin-top: 10px;
}
.faq-list dd {
  font-size: 1rem;
  margin-bottom: 10px;
  margin-left: 10px;
  color: #234072;
}

/* ===================
   About/Team + Special Sections
   =================== */
.usp-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  list-style: none;
}
.usp-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.04rem;
}
.usp-list img {
  width: 24px; height: 24px;
}
.team-section {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.founder-bio {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-bottom: 18px;
}
.founder-bio img {
  width: 80px; height: 80px;
  border-radius: 50%;
  box-shadow: 0 4px 18px 0 rgba(22,53,89,0.09);
}
.team-members {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 12px;
}
.team-member {
  display: flex;
  align-items: center;
  gap: 18px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 2px 8px 0 rgba(22,53,89,0.06);
  padding: 14px 20px;
  min-width: 220px;
  max-width: 380px;
  flex: 1 1 210px;
}
.team-member img {
  width: 46px; height: 46px; border-radius: 50%; box-shadow: 0 2px 9px 0 rgba(22,53,89,0.10);
}
.team-member .text-section {
  gap: 4px;
}

/* ===================
   Contact Styles
   =================== */
.contact-section ul.contact-list {
  margin: 12px 0 16px 22px;
  list-style: disc outside;
  gap: 8px;
}
.contact-section a {
  color: #163559;
  text-decoration: underline;
}
.contact-section a:hover, .contact-section a:focus {
  color: #FFD166;
}

/* ===================
   Footer Styles
   =================== */
footer {
  background: #163559;
  color: #fff;
  text-align: center;
  padding: 32px 0 12px;
  margin-top: 24px;
  border-radius: 18px 18px 0 0;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  margin-bottom: 10px;
}
.footer-nav a {
  color: #FFD166;
  padding: 0 8px;
  font-weight: 600;
  transition: color 0.2s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #fff;
}
.footer-copy {
  font-size: 1rem;
  color: #fff;
  opacity: 0.85;
}

/* ===================
   Cookie Consent Banner
   =================== */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(90deg,#163559 78%,#FFD166 100%);
  color: #fff;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  padding: 24px 26px;
  box-shadow: 0 -2px 24px 0 rgba(22,53,89,0.17);
  z-index: 3000;
  border-radius: 22px 22px 0 0;
  transition: transform 0.34s cubic-bezier(.67,.02,.47,.97), opacity 0.14s;
}
.cookie-banner.hide {
  transform: translateY(120%);
  opacity: 0;
  pointer-events: none;
}
.cookie-banner .cookie-text {
  flex: 1 1 250px;
  font-size: 1.1rem;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
}
.cookie-banner .btn-primary, .cookie-banner .btn-secondary {
  font-size: 1rem;
  padding: 10px 24px;
  margin: 0 6px;
}
.cookie-banner .btn-secondary {
  background: #fff;
  color: #163559;
  border: 2px solid #FFD166;
}
.cookie-banner .btn-secondary:hover {
  background: #FFD166;
  color: #163559;
}

/* Cookie Modal Overlay */
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(19,29,44, 0.48);
  z-index: 4000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0.28s;
}
.cookie-modal-overlay.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  color: #163559;
  border-radius: 18px;
  max-width: 450px;
  width: 90vw;
  box-shadow: 0 8px 32px 0 rgba(22,53,89,0.19);
  padding: 36px 30px 28px 30px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: relative;
  animation: popupIn 0.36s cubic-bezier(.53,.8,.3,.89);
}
@keyframes popupIn {
  0% {transform: scale(0.95) translateY(32px); opacity: 0;}
  100% {transform: scale(1) translateY(0); opacity: 1;}
}
.cookie-modal h3 {
  font-size: 1.3rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #163559;
  margin-bottom: 10px;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 18px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 8px 0;
}
.cookie-category label {
  font-weight: 500;
  font-size: 1.09rem;
}
.cookie-category input[type="checkbox"] {
  accent-color: #FFD166;
  width: 18px;
  height: 18px;
  border-radius: 4px;
  border: 1.5px solid #FFD166;
}
.cookie-category.essential label {
  color: #aaaaaa;
}
.cookie-modal .btn-primary, .cookie-modal .btn-secondary {
  width: 48%;
  font-size: 1rem;
  margin-top: 12px;
}
.cookie-modal-btns {
  display: flex;
  flex-direction: row;
  gap: 18px;
  justify-content: flex-end;
}
.cookie-modal .close-modal {
  position: absolute;
  top: 16px;
  right: 14px;
  background: none;
  border: none;
  color: #FFD166;
  font-size: 1.6rem;
  cursor: pointer;
  transition: color 0.20s;
  z-index: 1;
}
.cookie-modal .close-modal:hover, .cookie-modal .close-modal:focus {
  color: #163559;
}

/* ===================
   Utility & Custom Styles
   =================== */
.text-center {text-align: center;}
.text-left {text-align: left;}
.mt-2 {margin-top: 18px;}
.mb-2 {margin-bottom: 18px;}
.text-accent {color: #FFD166;}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 10px 0 rgba(22,53,89,0.06);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.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;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
.content-wrapper.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* ===================
   Misc styles for blockquotes and more
   =================== */
blockquote {
  border-left: 6px solid #FFD166;
  background: #FFF8E3;
  color: #163559;
  padding: 10px 22px;
  border-radius: 8px;
  font-size: 1.1rem;
  margin: 14px 0;
}

/* ===================
   Responsive/Mobile Styles
   =================== */
@media (max-width: 1020px) {
  .container {
    max-width: 98vw;
    padding-left: 5px;
    padding-right: 5px;
  }
}
@media (max-width: 900px) {
  .main-nav {
    gap: 10px;
    margin-left: 5px;
  }
}
@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  section {
    margin-bottom: 48px;
    padding: 30px 8px;
    border-radius: 14px;
  }
  .card-container, .service-grid, .team-members, .testimonial-list, .content-grid {
    flex-direction: column;
    gap: 18px;
  }
  .hero-section {
    border-radius: 14px;
    padding: 40px 6px;
    font-size: 1rem;
  }
  .services-section .service-grid, .services-section .feature-list {
    gap: 14px;
    flex-direction: column;
  }
  .service-feature,
  .testimonial-card,
  .team-member {
    min-width: auto;
    max-width: 100%;
    width: 98%;
  }
  .testimonial-list,
  .team-members {
    gap: 16px;
  }
  .text-image-section, .founder-bio {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
    text-align: left;
  }
  .cta-section {
    border-radius: 10px;
    padding: 28px 3px 25px;
  }
  header {
    flex-direction: row;
    padding: 14px 10px 14px 8px;
  }
  .logo img {
    height: 34px;
  }
  .main-nav {
    display: none !important; /* Overridden by mobile menu JS */
  }
  .btn-primary {
    font-size: 1rem;
    padding: 10px 23px;
  }
  .mobile-menu-toggle {
    display: inline-block;
  }
  .footer-nav {
    flex-direction: column;
    gap: 2px;
    font-size: 1rem;
  }
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 17px 15px;
    border-radius: 14px 14px 0 0;
  }
  .cookie-modal {
    max-width: 99vw;
    padding: 20px 8px 16px;
    border-radius: 12px;
  }
}
@media (max-width: 500px) {
  html {font-size: 14px;}
  h1 {font-size: 1.68rem;}
  h2 {font-size: 1.25rem;}
  h3 {font-size: 1.05rem;}
  .hero-section, .cta-section {padding: 22px 2px;}
  .btn-primary {font-size: 0.99rem; padding: 8px 14px;}
}

/* ===================
   Animations & Micro-interactions
   =================== */
.btn-primary, .btn-secondary {
  transition: background 0.18s, box-shadow 0.21s, color 0.19s, border-color 0.16s;
}
.service-feature, .testimonial-card, .team-member, .card {
  transition: box-shadow 0.21s, transform 0.19s;
}
.service-feature:hover, .testimonial-card:hover, .team-member:hover, .card:hover {
  box-shadow: 0 6px 32px 0 rgba(255,209,102,0.18), 0 2px 14px 0 rgba(22,53,89,0.08);
  transform: translateY(-3px) scale(1.012);
}

/* ===================
   Accessibility
   =================== */
:focus {
  outline: 2px solid #FFD166 !important;
  outline-offset: 1.5px;
}
::-webkit-input-placeholder {color: #888; opacity: 1;}
::-moz-placeholder {color: #888; opacity: 1;}
:-ms-input-placeholder {color: #888; opacity: 1;}
::placeholder {color: #888; opacity: 1;}