/* ----------------------------------
   RESET & BASE NORMALIZATION
---------------------------------- */
html { box-sizing: border-box; }
*, *::before, *::after { box-sizing: inherit; margin: 0; padding: 0; }
body, html {
  width: 100%;
  min-height: 100vh;
  background: #F3F7FA;
  color: #234D85;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  background-color: #F3F7FA;
}
img { max-width: 100%; display: block; height: auto; border: none; }
a { color: #234D85; text-decoration: none; transition: color .2s; }
a:focus, a:hover { color: #F4B13D; outline: none; }
ul,ol { list-style-position: inside; }
table { border-collapse: collapse; width: 100%; margin-bottom: 2em; }
th, td { padding: 14px 10px; border-bottom: 1px solid #dde5ee; text-align: left; }

/* -------------------------
      BRAND TYPOGRAPHY
------------------------- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Arial Rounded MT Bold', Arial, sans-serif;
  color: #234D85;
  font-weight: 800;
  letter-spacing: 1px;
  margin-bottom: 18px;
}
h1 { font-size: 2.75rem; margin-bottom: 24px; line-height: 1.12; }
h2 { font-size: 2rem; margin-bottom: 20px; line-height: 1.14; }
h3 { font-size: 1.375rem; margin-bottom: 14px; }
h4 { font-size: 1.15rem; margin-bottom: 10px; }
p, li, address, blockquote {font-size: 1rem;}
p + p { margin-top: 12px; }
blockquote {
  font-family: 'Montserrat', cursive, sans-serif;
  background: #fffbe5;
  border-left: 4px solid #F4B13D;
  color: #234D85;
  padding: 16px 24px;
  font-size: 1.1rem;
  border-radius: 14px;
  margin: 0 0 5px 0;
  font-style: italic;
  line-height: 1.6;
}

/* ------------------------
         CONTAINERS
------------------------- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
@media (max-width: 768px) {
  .section {
    margin-bottom: 36px;
    padding: 26px 4vw;
  }
}

/* ----------------------------
           HEADER
----------------------------- */
header {
  background: #fff;
  box-shadow: 0 4px 22px 0 rgba(36, 77, 133, 0.09);
  position: sticky; top: 0; z-index: 40;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 16px;
}
header nav {
  display: flex;
  flex-direction: row;
  gap: 24px;
  align-items: center;
}
header nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: #234D85;
  padding: 8px 0;
  transition: color .2s, background-color .2s;
  border-radius: 6px;
}
header nav a:hover, header nav a:focus { color: #F4B13D; background: #F3F7FA; }
.button.primary {
  font-family: 'Montserrat', Arial, sans-serif;
  background: #F4B13D;
  color: #234D85;
  border: none;
  border-radius: 50px;
  font-size: 1.12rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 12px 36px;
  cursor: pointer;
  box-shadow: 0 4px 14px 0 rgba(244, 177, 61, 0.16);
  letter-spacing: 0.04em;
  transition: background .2s, color .2s, box-shadow .2s;
  margin-left: 16px;
  margin-right: 4px;
}
.button.primary:hover, .button.primary:focus {
  background: #234D85;
  color: #fff;
  box-shadow: 0 6px 18px 0 rgba(36, 77, 133, 0.16);
}
header .button.primary { min-width: 148px; }

/* ---------------------
   MOBILE MENU BUTTON
--------------------- */
.mobile-menu-toggle {
  background: #F4B13D;
  color: #234D85;
  font-size: 2.1rem;
  border: none;
  border-radius: 18px;
  width: 44px;
  height: 44px;
  display: none;
  align-items: center;
  justify-content: center;
  margin-left: 14px;
  transition: background .2s, color .2s;
  cursor: pointer;
  box-shadow: 0 2px 10px rgba(244, 177, 61, 0.11);
  z-index: 101;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #234D85;
  color: #fff;
}
@media (max-width: 1024px) {
  header nav { display: none; }
  .mobile-menu-toggle { display: flex; }
}

/* --------------------------
       MOBILE MENU OVERLAY
--------------------------- */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw; height: 100vh;
  background: rgba(35, 77, 133, 0.98);
  z-index: 1000;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  transform: translateX(-100%);
  transition: transform .45s cubic-bezier(.77,.2,.05,1.0);
  pointer-events: none;
  opacity: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: all;
  opacity: 1;
}
.mobile-menu-close {
  background: #F4B13D;
  color: #234D85;
  font-size: 2.1rem;
  border: none;
  border-radius: 18px;
  padding: 6px 22px;
  margin: 24px 0 24px 24px;
  cursor: pointer;
  box-shadow: 0 2px 10px rgba(244,177,61,0.12);
  transition: background .2s, color .2s;
  align-self: flex-start;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #fff;
  color: #234D85;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 32px;
  margin: 40px 0 0 36px;
  width: 100%;
  align-items: flex-start;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.36rem;
  color: #fff;
  padding: 10px 0;
  font-weight: 700;
  border-radius: 6px;
  letter-spacing: .02em;
  transition: background .2s, color .2s;
  width: 80%;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #F4B13D;
  color: #234D85;
}
@media (min-width: 1025px) {
  .mobile-menu {display: none !important;}
}

/* ---------------------------------
       MAIN - FLEX & SECTIONS
--------------------------------- */
main {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 0;
  min-height: 48vh;
}
/* Sectional patterns for cards, grids, etc */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 3px 14px 0 rgba(36, 77, 133, 0.09);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 26px 22px;
  margin-bottom: 20px;
  position: relative;
  gap: 8px;
  min-width: 240px;
  transition: box-shadow .24s, transform .2s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 7px 32px 0 rgba(244,177,61, 0.25);
  transform: translateY(-3px) 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;
  background: #fff;
  padding: 20px;
  border-radius: 18px;
  margin-bottom: 24px;
  box-shadow: 0 3px 17px 0 rgba(36,77,133,0.08);
  transition: box-shadow .23s, transform .12s;
  border-left: 8px solid #F4B13D;
  flex-direction: row;
}
.testimonial-card blockquote { background: none; border: none; padding: 0; font-size: 1.08rem; color: #234D85; margin: 0; }
.testimonial-card span {
  font-size: 1.45rem;
  color: #F4B13D;
  flex-shrink: 0;
  margin-right: 10px;
}
.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 7px 30px 0 rgba(244, 177, 61, 0.22);
  transform: scale(1.012);
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* List enhancements with icons */
ul, ol {
  margin-left: 0;
  margin-bottom: 8px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
ul li, ol li {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 14px;
  background: #fff;
  padding: 18px 20px;
  border-radius: 12px;
  box-shadow: 0 2px 10px rgba(36,77,133,0.07);
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1.02rem;
  margin-bottom: 8px;
}
ol li img, ul li img { margin-right: 12px; width: 32px; height: 32px; }
ol > li { counter-increment: mycounter; position: relative; }
ol > li:before {
  content: counter(mycounter) '.';
  font-family: 'Montserrat', cursive, sans-serif;
  background: #F4B13D;
  color: #234D85;
  font-size: 1.16rem;
  font-weight: 800;
  height: 32px; width: 32px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%;
  margin-right: 15px;
  margin-left: -5px;
  box-shadow: 0 2px 8px rgba(244,177,61,0.15);
}
ul > li:before { display: none; }
ul li strong, ol li strong { color: #234D85; font-weight: 800; }

/* ----------------------------
           FORMS, TABLES
----------------------------- */
table thead tr {
  background: #234D85;
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.10rem;
}
table th {
  border: none;
  font-weight: 800;
}
table td {
  background: #fff;
  color: #234D85;
  border-color: #F3F7FA;
  font-size: 1.02rem;
}

/* --------------
   ADDRESS, FOOTER
---------------- */
footer {
  background: #234D85 linear-gradient(80deg, #234D85 70%, #F4B13D 100%);
  color: #fff;
  padding: 38px 0;
  font-size: 1rem;
  margin-top: 40px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: flex-start;
  justify-content: space-between;
}
footer nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
footer nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.01rem;
  letter-spacing: 0.01em;
  margin-bottom: 5px;
  transition: color .2s, text-decoration .2s;
}
footer nav a:hover, footer nav a:focus { color: #F4B13D; text-decoration: underline; }
footer address {
  font-size: 0.98rem;
  color: #fffbe3;
  font-style: normal;
}
footer address img {
  vertical-align: middle;
  margin-right: 5px;
  width: 22px; height: 22px;
}

/* ------------------------------
   TEXT SECTIONS, SEPARATORS
------------------------------ */
.text-section {
  margin-bottom: 20px;
  padding: 18px 12px;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(244,177,61,0.07);
}

/* ---------------
   COOKIE BANNER
---------------- */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; width: 100vw;
  background: #fff;
  border-top: 3px solid #F4B13D;
  box-shadow: 0 -4px 24px 0 rgba(36,77,133,0.09);
  z-index: 2000;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
  padding: 22px 20px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  color: #234D85;
  animation: cookieBannerIn .7s cubic-bezier(.68,-0.6,.32,1.6);
}
@keyframes cookieBannerIn {
  from { transform: translateY(90px); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
.cookie-banner p { flex: 1 1 250px; margin: 0; }
.cookie-banner .cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  border: none;
  font-weight: bold;
  font-size: 1rem;
  margin-right: 12px;
  border-radius: 30px;
  padding: 10px 26px;
  margin-bottom: 4px;
  cursor: pointer;
  transition: background .22s, color .22s, box-shadow .2s;
}
.cookie-banner .cookie-btn.accept {
  background: #F4B13D;
  color: #234D85;
  box-shadow: 0 2px 8px 0 rgba(244,177,61,0.11);
}
.cookie-banner .cookie-btn.accept:hover, .cookie-banner .cookie-btn.accept:focus { background: #234D85; color: #fff; }
.cookie-banner .cookie-btn.reject {
  background: #F3F7FA;
  color: #234D85;
  border: 1.7px solid #234D85;
}
.cookie-banner .cookie-btn.reject:hover, .cookie-banner .cookie-btn.reject:focus {
  background: #234D85;
  color: #fff;
}
.cookie-banner .cookie-btn.settings {
  background: #fff;
  color: #F4B13D;
  border: 1.7px solid #F4B13D;
}
.cookie-banner .cookie-btn.settings:hover, .cookie-banner .cookie-btn.settings:focus {
  background: #F4B13D;
  color: #234D85;
}

/* Cookie modal */
.cookie-modal {
  position: fixed;
  z-index: 2200;
  left: 0; top: 0; right: 0; bottom: 0;
  width: 100vw; height: 100vh;
  background: rgba(35,77,133, 0.71);
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeIn .32s .07s cubic-bezier(.54, .2, .3, 1) backwards;
  pointer-events: all;
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
.cookie-modal-box {
  background: #fff;
  width: 96vw; max-width: 420px;
  border-radius: 20px;
  box-shadow: 0 6px 40px rgba(244,177,61,0.17);
  color: #234D85;
  padding: 32px 24px 24px 24px;
  font-family: 'Montserrat', Arial, sans-serif;
}
.cookie-modal-box h3 {
  margin-bottom: 18px;
  font-size: 1.30rem;
}
.cookie-modal-cats {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 24px;
}
.cookie-modal-cat {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 1.02rem;
  padding: 13px 0 11px 0;
}
.cookie-modal-cat label {
  font-weight: 600;
  cursor: pointer;
}
.cookie-modal-cat input[type=checkbox] {
  width: 24px;
  height: 24px;
  accent-color: #F4B13D;
}
.cookie-modal-cat input[disabled] {
  filter: grayscale(100%);
}
.cookie-modal-box .btns {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  justify-content: flex-end;
}
.cookie-modal-box button {
  font-family: 'Montserrat', Arial, sans-serif;
  border: none;
  font-weight: bold;
  font-size: 1rem;
  border-radius: 30px;
  padding: 10px 26px;
  cursor: pointer;
  transition: background .22s, color .22s;
}
.cookie-modal-box .accept { background: #F4B13D; color: #234D85; }
.cookie-modal-box .accept:hover { background: #234D85; color: #fff; }
.cookie-modal-box .cancel {
  background: #F3F7FA;
  color: #234D85;
  border: 1.2px solid #234D85;
}
.cookie-modal-box .cancel:hover {
  background: #234D85; color: #fff;
}

/* ----------------------------------
      RESPONSIVE FLEX ADJUSTMENTS
----------------------------------- */
@media (max-width: 1024px) {
  .container {
    padding: 0 5vw;
    max-width: 100vw;
  }
  .footer .container { flex-direction: column; gap: 20px; }
}
@media (max-width: 930px) {
  .card-container, .content-grid {
    flex-direction: column;
    gap: 24px;
  }
  footer .container {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
}
@media (max-width: 768px) {
  .content-grid, .card-container, .feature-item, .testimonial-card, .text-image-section {
    flex-direction: column !important;
    gap: 20px !important;
    align-items: stretch !important;
    justify-content: flex-start;
  }
  .testimonial-card {
    flex-direction: column !important;
    align-items: flex-start !important;
    padding: 18px 14px;
  }
  .text-image-section {
    align-items: flex-start;
    gap: 18px;
  }
  .section {
    padding: 24px 2vw;
  }
}

/* ------------------------------
      INTERACTIVE & HOVERS
------------------------------- */
.button, button, .cookie-btn {
  outline: none;
  transition: box-shadow .16s, background .19s, color .19s;
}
a.button:active, button:active, .cookie-btn:active {
  transform: translateY(1px) scale(.98);
}
@media (hover: hover) {
  .button.primary:hover { box-shadow: 0 8px 30px 0 rgba(244,177,61,0.18); background: #234D85; color: #fff; }
}

/* --------------------------
   VISUAL EMPHASIS & ARTISTIC
--------------------------- */
.section {
  background: #fff;
  border-radius: 34px 18px 38px 20px/28px 16px 30px 18px;
  box-shadow: 0 8px 32px 0 rgba(244,177,61,0.13);
  position: relative;
  overflow: hidden;
}
.section:before {
  content: '';
  display: block;
  position: absolute;
  top: -32px; left: -32px;
  width: 136px; height: 74px;
  background: #F4B13D;
  opacity: 0.13;
  border-radius: 64px 18px 58px 38px;
  z-index: 1;
}
.section:after {
  content: '';
  display: block;
  position: absolute;
  bottom: -26px; right: -18px;
  width: 100px; height: 56px;
  background: #234D85;
  opacity: 0.10;
  border-radius: 58px 30px 28px 44px;
  z-index: 1;
}
.section > .container, .section > .container > .content-wrapper {
  position: relative;
  z-index: 2;
}

@media (max-width: 768px) {
  .section { border-radius: 24px 12px 20px 10px/18px 10px 18px 10px; }
  .section:before { width: 80px; height: 42px; }
  .section:after { width: 52px; height: 28px; }
}

/* Artistic headings */
h1, h2 {
  position: relative;
  z-index: 2;
}
h1:after, h2:after {
  content: '';
  position: absolute;
  left: 0; bottom: -8px;
  width: 48px; height: 6px;
  background: #F4B13D;
  border-radius: 3px;
  opacity: 0.66;
  z-index: 1;
}
h1:after { width: 84px; height: 8px; }

/* Artistic buttons (additional variant) */
.button.secondary {
  background: #234D85;
  color: #fff;
  border: 2px solid #F4B13D;
  border-radius: 34px;
  font-weight: 700;
  padding: 9px 24px;
  margin-left: 14px;
  margin-top: 12px;
  transition: background .2s, color .2s, border .2s;
}
.button.secondary:hover, .button.secondary:focus {
  background: #F4B13D;
  color: #234D85;
  border-color: #234D85;
}

/* -----------
  DL FAQ
------------ */
dl {
  background: #F9F5EC;
  border-radius: 14px;
  box-shadow: 0 2px 8px 0 rgba(244,177,61,0.11);
  padding: 22px 24px;
  margin: 8px 0 26px 0;
  font-size: 1.06rem;
}
dl dt { font-weight: 800; color: #234D85; margin-top: 12px; }
dl dd {
  margin: 0 0 12px 0;
  margin-left: 18px;
  font-weight: 400;
  color: #234D85;
}

/* Utility spacing */
.mt-2 { margin-top: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-2 { margin-bottom: 12px; }
.mb-1 { margin-bottom: 4px; }

/* -----------------------------
    UNIQUE/ARTISTIC FONT EFFECTS
------------------------------ */
h1, h2 { text-shadow: 0 3px 0 #ffe6b9, 0 3px 14px #F4B13D21; }
blockquote, .testimonial-card p strong { font-family: 'Montserrat', cursive, sans-serif; }

/* ------------
   HIDE-bases
------------- */
@media (max-width: 600px) {
  .footer nav, .footer address, footer img { max-width: 100%; }
  .testimonial-card { padding: 14px 7px; font-size: 0.97rem; }
  .section { padding: 13px 1vw; }
  .cookie-modal-box { padding: 18px 7px; }
}

/* STOP OVERLAPPING, LAYER CONTROL */
.section, .card, .testimonial-card, .cookie-banner, .cookie-modal {
  box-sizing: border-box;
}

/* END */