/* 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; font: inherit; font-size: 100%; vertical-align: baseline;
}
article, aside, details, figcaption, figure, 
footer, header, hgroup, menu, nav, section {
    display: block;
}
html { box-sizing: border-box; }
*, *:before, *:after { box-sizing: inherit; }
body { line-height: 1.5; background: #F1F6F8; color: #2A3941; }
img, picture, video { max-width: 100%; height: auto; display: block; }
ul, ol { list-style: none; }
a { text-decoration: none; color: inherit; transition: color 0.2s; }
button { background: none; border: none; font-family: inherit; cursor: pointer; }

/* VARIABLES & BASE COLORS (fallbacks included) */
:root {
    --primary: #185A8C;
    --primary-dark: #14466b;
    --secondary: #F1F6F8;
    --accent: #FFD600;
    --accent-dark: #DFBD00;
    --danger: #EF476F;
    --green: #3AC569;
}
body {
    font-family: 'Roboto', Arial, sans-serif;
    font-size: 16px;
    background-color: var(--secondary, #F1F6F8);
    min-height: 100vh;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 16px;
    line-height: 1.15;
    letter-spacing: 0.01em;
}
h1 { font-size: 2.5rem; margin-bottom: 24px; }
h2 { font-size: 2rem; margin-bottom: 16px; }
h3 { font-size: 1.25rem; margin-bottom: 10px; color: #185A8C; }
h4, h5, h6 { font-size: 1.1rem; }
.subheadline { font-size: 1.2rem; font-weight: 500; color: #246da6; margin-bottom: 0.8em; }
p, ul li {
    font-size: 1rem;
    margin-bottom: 12px;
    color: #2A3941;
    line-height: 1.7;
}
ul {
    padding-left: 1.2em;
}
strong { font-weight: 700; }
.text-section ul {
    margin-bottom: 0;
}
.text-section ul li {
    position: relative;
    margin-bottom: 10px;
    padding-left: 26px;
    font-size: 1rem;
}
.text-section ul li:before {
    content: '\2022';
    color: var(--accent);
    position: absolute;
    left: 0; top: 0;
    font-size: 1.5em;
    line-height: 1;
}

/* CONTAINERS */
.container {
    width: 100%;
    max-width: 1200px;
    padding: 0 18px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: stretch;
}
.content-wrapper {
    width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
}

/* HEADER & NAV */
header {
    background: #fff;
    box-shadow: 0 3px 12px rgba(24,90,140,0.04), 0 1.5px 5px rgba(24,90,140,0.04);
    padding: 12px 0 0 0;
    position: sticky;
    top: 0;
    z-index: 99;
}
.logo {
    display: flex;
    align-items: center;
    height: 54px;
    margin-bottom: 0;
    margin-right: 16px;
}
.logo img {
    height: 44px;
    width: auto;
    display: block;
}
header .container {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.main-nav {
    display: flex;
    align-items: center;
    gap: 24px;
    font-family: 'Montserrat', Arial, sans-serif;
    font-size: 1rem;
    font-weight: 600;
}
.main-nav a {
    color: var(--primary);
    position: relative;
    padding: 7px 10px 7px 10px;
    border-radius: 12px;
    transition: background 0.20s, color 0.15s, box-shadow 0.15s;
}
.main-nav a:hover, .main-nav a:focus {
    background: var(--accent);
    color: #183962;
    outline: none;
    box-shadow: 0 3px 10px 0 rgba(255,214,0,0.12);
}

/* HERO SECTION */
.hero {
    margin-bottom: 60px;
    padding: 40px 0 40px 0;
    background: linear-gradient(90deg,#F1F6F8 60%, #B7E6F7 100%);
    position: relative;
    overflow: hidden;
    min-height: 320px;
    display: flex;
    align-items: center;
}
.hero .container {
    align-items: center;
    justify-content: center;
}
.hero .content-wrapper {
    align-items: flex-start;
    justify-content: center;
    gap: 0;
}
.hero h1 {
    color: var(--primary);
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 800;
    font-size: 2.4rem;
    margin-bottom: 10px;
}
.hero .cta.primary {
    margin-top: 24px;
}

/* PLAYFUL ANIMATIONS */
@keyframes cta-bounce {
    0% { transform: translateY(0); }
    30% { transform: translateY(-5px); }
    80% { transform: translateY(2px); }
    100% { transform: translateY(0); }
}
@keyframes hover-card {
    0%   { box-shadow: 0 6px 20px 0 rgba(24,90,140,0.10); }
    100% { box-shadow: 0 10px 32px 0 rgba(24,90,140,0.15); }
}

/* SECTION SPACING */
.section {
    margin-bottom: 60px;
    padding: 40px 20px;
}

/* Features & Feature Grid */
.features, .services, .about, .team, .contact, .legal, .success, .cta-main, .cta {
    margin-bottom: 60px;
    padding: 40px 0 40px 0;
    background: #fff;
    border-radius: 24px;
    box-shadow: 0 6px 20px rgba(24,90,140,0.07);
}
.features .content-wrapper, .services .content-wrapper, .about .content-wrapper, .team .content-wrapper, .contact .content-wrapper, .legal .content-wrapper, .success .content-wrapper, .cta-main .content-wrapper, .cta .content-wrapper {
    align-items: flex-start;
}
.feature-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    margin-bottom: 32px;
    width: 100%;
    justify-content: flex-start;
}
.feature-item {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 15px;
    background: #F9FDFE;
    border-radius: 16px;
    box-shadow: 0 3px 10px 0 rgba(24,90,140,0.10);
    padding: 26px 22px 20px 22px;
    min-width: 220px;
    max-width: 270px;
    flex: 1 1 260px;
    transition: transform 0.17s, box-shadow 0.17s, background 0.19s;
    margin-bottom: 20px;
    position: relative;
    border: 2px solid transparent;
}
.feature-item img {
    width: 44px;
    height: 44px;
    margin-bottom: 6px;
}
.feature-item:hover, .feature-item:focus {
    background: #F0F8F5;
    box-shadow: 0 10px 32px 0 rgba(255,214,0,0.14), 0 4px 24px 0 rgba(24,90,140,0.13);
    transform: translateY(-4px) scale(1.03) rotate(-1deg);
    border: 2px solid var(--accent);
}
.feature-item h3 {
    margin-bottom: 6px;
    color: var(--primary);
    font-size: 1.18rem;
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 700;
    letter-spacing: 0.01em;
}
.feature-item p {
    font-size: 1rem;
    color: #32608D;
}
/* .feature-steps is OL in .steps section */
.feature-steps {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-left: 18px;
    margin-bottom: 24px;
    font-size: 1.1rem;
    color: #246da6;
}
.feature-steps li {
    margin-bottom: 0;
    line-height: 1.4;
    position: relative;
    padding-left: 12px;
}
.feature-steps li strong {
    color: var(--primary);
}

/* CTA Button Styles */
.cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 34px;
    border: none;
    border-radius: 40px;
    background: var(--primary);
    color: #fff;
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 700;
    font-size: 1.1rem;
    letter-spacing: 0.03em;
    box-shadow: 0 3px 16px 0 rgba(24,90,140,0.09);
    cursor: pointer;
    margin-top: 22px;
    margin-bottom: 10px;
    transition: background 0.15s, color 0.12s, transform 0.16s, box-shadow 0.16s;
    animation: cta-bounce 1.1s cubic-bezier(.57,-0.02,.39,1.68) 0.3s 2;
    will-change: transform;
}
.cta.primary {
    background: var(--accent);
    color: var(--primary);
    box-shadow: 0 4px 20px 0 rgba(255,214,0,0.17);;
    border: 2px solid var(--accent);
}
.cta.secondary {
    background: var(--primary);
    color: #fff;
    border: 2px solid var(--primary);
    box-shadow: 0 6px 16px 0 rgba(24,90,140,0.10);;
}
.cta:hover, .cta:focus {
    filter: brightness(1.08);
    background: var(--primary-dark);
    color: #fff;
    transform: translateY(-2px) scale(1.035);
    box-shadow: 0 8px 32px 0 rgba(24,90,140,0.13);
    outline: none;
}
.cta.primary:hover, .cta.primary:focus {
    background: var(--accent-dark);
    color: var(--primary);
}
.cta.secondary:hover, .cta.secondary:focus {
    background: #183962;
    color: #fff;
}

/* Testimonial Cards */
.testimonials {
    background: #fff;
}
.testimonials .content-wrapper {
    align-items: flex-start;
}
.testimonial-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    background: #F1F6F8;
    border-radius: 18px;
    box-shadow: 0 2px 10px rgba(24,90,140,0.06);
    margin-bottom: 20px;
    padding: 20px 28px;
    min-width: 240px;
    max-width: 540px;
    font-size: 1.05rem;
    color: #2B3540;
    border-left: 8px solid var(--accent);
    transition: box-shadow 0.15s, border-color 0.13s, transform 0.18s;
}
.testimonial-card p {
    color: #222;
    font-weight: 500;
    line-height: 1.6;
}
.testimonial-card span {
    color: #4D5B75;
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 600;
    font-size: 0.97rem;
}
.testimonial-card:hover {
    box-shadow: 0 5px 20px rgba(255,214,0,0.13), 0 8px 24px 0 rgba(24,90,140,0.10);
    border-left: 8px solid var(--primary);
    transform: translateY(-4px) scale(1.03);
}

/* Card Containers and Patterns */
.card-container {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    width: 100%;
}
.card {
    margin-bottom: 20px;
    background: #fff;
    padding: 24px;
    border-radius: 16px;
    box-shadow: 0 3px 12px rgba(24,90,140,0.07);
    position: relative;
    flex: 1 1 220px;
    min-width: 190px;
    transition: box-shadow 0.16s,  transform 0.17s;
}
.card:hover {
    box-shadow: 0 10px 40px rgba(24,90,140,0.17);
    transform: scale(1.03) rotate(-1deg);
}
.content-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    justify-content: space-between;
    width: 100%;
}
.text-image-section {
    display: flex;
    align-items: center;
    gap: 30px;
    flex-wrap: wrap;
    margin-bottom: 24px;
    width: 100%;
}
.card-content {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

/**** SPACING and LAYOUTS ****/
.text-section {
    margin: 22px 0 0 0;
    width: 100%;
    color: #16416e;
    background: none;
    font-size: 1.06rem;
}
.section, .features, .services, .about, .team, .contact, .legal, .success {
    margin-bottom: 60px;
    padding: 40px 20px;
}

/**** FOOTER ****/
footer {
    background: #185A8C;
    color: #fff;
    padding: 36px 0 0 0;
    margin-top: 40px;
    border-radius: 32px 32px 0 0;
    box-shadow: 0 -2px 20px 0 rgba(24,90,140,0.06);
}
footer .container {
    flex-direction: column;
    align-items: center;
}
.footer-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    margin: 12px 0 15px 0;
    font-family: 'Montserrat', Arial, sans-serif;
    font-size: 1rem;
    font-weight: 600;
    justify-content: center;
}
.footer-nav a {
    color: #FFD600;
    padding: 7px 14px;
    border-radius: 12px;
    transition: background 0.17s, color 0.16s;
}
.footer-nav a:hover {
    background: #fff2b5;
    color: #185A8C;
}
.footer-contact {
    display: flex;
    flex-direction: row;
    flex-wrap: wrap;
    flex: 1 1 320px;
    align-items: center;
    justify-content: center;
    gap: 24px;
    font-size: 1.03rem;
    margin-bottom: 18px;
    margin-top: 10px;
}
.footer-contact span {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #fff;
}
.footer-contact img {
    width: 19px;
    height: 19px;
    filter: drop-shadow(0 0 2px #FFD600);
}
.footer-copy {
    font-size: 0.97rem;
    color: #d3ecff;
    margin: 0 0 18px 0;
    text-align: center;
}
footer .logo {
    margin-bottom: 0;
}
footer .logo img {
    height: 35px;
    width: auto;
    margin-bottom: 0;
}

/* LEGAL SECTION */
.legal h2 { font-size: 1.18rem; margin: 14px 0 8px 0; color: var(--primary); }
.legal .text-section { color: #2A3941; background: none; }
.legal .text-section ul {
    margin: 10px 0 0 0;
}
.legal .text-section ul li:before {
    color: var(--accent);
}

/********* MOBILE NAV (burgermenu) *********/
.mobile-menu-toggle {
    display: none;
    position: fixed;
    top: 18px; right: 18px;
    z-index: 102;
    width: 45px; height: 45px;
    background: var(--primary);
    color: #fff;
    font-size: 2.2rem;
    border-radius: 14px;
    box-shadow: 0 6px 22px 0 rgba(24,90,140,0.13);
    transition: background 0.18s, color 0.15s, box-shadow 0.12s;
    border: none;
    align-items: center;
    justify-content: center;
    line-height: 1;
}
.mobile-menu-toggle:active, .mobile-menu-toggle:focus {
    background: var(--accent);
    color: var(--primary);
    outline: none;
}
.mobile-menu {
    display: flex;
    flex-direction: column;
    position: fixed;
    left: 0; top: 0;
    width: 100vw; height: 100vh;
    background: rgba(241,246,248, 0.98);
    z-index: 200;
    transform: translateX(-100%);
    transition: transform 0.333s cubic-bezier(.7,.23,.18,.95);
    box-shadow: 0 0 80px 5px rgba(24,90,140,0.21);
    opacity: 0;
    pointer-events: none;
}
.mobile-menu.open {
    transform: translateX(0%);
    opacity: 1;
    pointer-events: auto;
}
.mobile-menu-close {
    position: absolute;
    top: 18px; right: 18px;
    background: var(--danger);
    color: #fff;
    border-radius: 11px;
    font-size: 2rem;
    width: 42px; height: 42px;
    box-shadow: 0 2px 12px 0 rgba(239,71,111,0.12);
    border: none;
    z-index: 2;
    transition: background 0.16s, color 0.13s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
    background: var(--accent);
    color: var(--primary);
    outline: none;
}
.mobile-nav {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 22px;
    margin-top: 75px;
    width: 100%;
}
.mobile-nav a {
    font-family: 'Montserrat', Arial, sans-serif;
    font-size: 1.18rem;
    color: var(--primary);
    padding: 17px 0px;
    border-radius: 10px;
    text-align: center;
    width: 92vw;
    transition: background 0.16s, color 0.13s;
}
.mobile-nav a:not(:last-child) {
    border-bottom: 1px solid #e1f4fa;
}
.mobile-nav a:hover {
    background: var(--accent);
    color: #183962;
    outline: none;
}

/**** Cookie Consent Banner ****/
.cookie-banner {
    position: fixed;
    left: 0; right: 0; bottom: 0;
    width: 100vw;
    background: #fffdea;
    color: #2A3941;
    box-shadow: 0 -2px 32px 0 rgba(24,90,140,0.10);
    border-top: 4px solid var(--accent);
    z-index: 300;
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 20px;
    padding: 22px 30px;
    justify-content: space-between;
    font-size: 1.08rem;
    animation: cookieUp 0.55s cubic-bezier(.75,0,.45,1.1);
}
@keyframes cookieUp { from { transform: translateY(100%);} to {transform: translateY(0);} }
.cookie-banner .cookie-text {
    flex: 1 1 300px;
    color: #35485e;
    font-size: 1.03rem;
    padding-right: 10px;
}
.cookie-banner .cookie-actions {
    display: flex;
    flex-direction: row;
    gap: 13px;
    align-items: center;
}
.cookie-banner button {
    border-radius: 12px;
    padding: 9px 20px;
    font-family: 'Montserrat', Arial, sans-serif;
    font-weight: 600;
    font-size: 1rem;
    margin: 0 3px;
    border: none;
    box-shadow: 0 2px 8px 0 rgba(24,90,140,0.09);
    cursor: pointer;
    transition: background 0.11s, color 0.13s, box-shadow 0.09s;
}
.cookie-banner .accept {
    background: var(--primary);
    color: #fff;
}
.cookie-banner .accept:hover, .cookie-banner .accept:focus {
    background: var(--accent);
    color: var(--primary);
}
.cookie-banner .reject {
    background: #f6f9fb;
    color: var(--danger);
    border: 1.5px solid #EF476F;
}
.cookie-banner .reject:hover, .cookie-banner .reject:focus {
    background: #ffebf1;
    color: var(--danger);
}
.cookie-banner .settings {
    background: var(--accent);
    color: var(--primary);
    border: 1.5px solid var(--accent);
}
.cookie-banner .settings:hover, .cookie-banner .settings:focus {
    background: var(--primary);
    color: #fff;
}

/* Cookie Modal */
.cookie-modal-overlay {
    display: none;
    position: fixed;
    left: 0; top: 0; width: 100vw; height: 100vh;
    background: rgba(24,90,140,0.16);
    z-index: 500;
    align-items: center;
    justify-content: center;
}
.cookie-modal-overlay.open { display: flex; }
.cookie-modal {
    background: #fff;
    border-radius: 26px;
    padding: 36px 27px;
    max-width: 370px;
    box-shadow: 0 14px 72px 0 rgba(24,90,140,0.18);
    animation: cookieModalIn 0.42s cubic-bezier(.9,-0.08,.26,1.11);
    position: relative;
    min-width: 320px;
    display: flex;
    flex-direction: column;
}
@keyframes cookieModalIn { from {transform: translateY(25px) scale(0.96);} to {transform: translateY(0) scale(1);} }
.cookie-modal h3 {
    margin-bottom: 9px;
    color: var(--primary);
    font-size: 1.3rem;
    text-align: center;
}
.cookie-modal .cookie-categories {
    margin: 21px 0 26px 0;
    display: flex;
    flex-direction: column;
    gap: 18px;
}
.cookie-modal .cookie-category {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 1.07rem;
    background: #F9FDFE;
    padding: 13px 15px;
    border-radius: 9px;
}
.cookie-modal .cookie-category label {
    color: var(--primary);
}
.cookie-modal .cookie-category input[type=checkbox] {
    width: 22px;
    height: 22px;
    accent-color: var(--accent);
}
.cookie-modal .cookie-category input[disabled] {
    filter: grayscale(1) opacity(0.44);
    cursor: not-allowed;
}
.cookie-modal .cookie-actions {
    display: flex;
    gap: 11px;
    justify-content: flex-end;
    margin-top: 14px;
}
.cookie-modal .close-modal {
    position: absolute;
    top: 16px; right: 16px;
    background: var(--danger);
    color: #fff;
    width: 33px; height: 33px;
    border-radius: 8px;
    font-size: 1.5rem;
    border: none;
    box-shadow: none;
    z-index: 2;
    transition: background 0.12s, color 0.13s;
}
.cookie-modal .close-modal:hover, .cookie-modal .close-modal:focus {
    background: var(--accent);
    color: var(--primary);
}

/**** RESPONSIVE DESIGN ****/
@media (max-width: 1024px) {
    .container { max-width: 960px; }
    .feature-grid, .card-container, .content-grid { gap: 16px; }
    .footer-contact { gap: 12px; }
}
@media (max-width: 900px) {
    .container { max-width: 98vw; }
    .feature-grid, .card-container, .content-grid { gap: 12px; }
}
@media (max-width: 768px) {
    html { font-size: 97%; }
    h1 { font-size: 2rem; }
    h2 { font-size: 1.5rem; }
    .hero, .section, .features, .services, .about, .team, .contact, .legal, .success {
        padding: 24px 5px;
        margin-bottom: 36px;
    }
    .feature-grid, .card-container, .content-grid {
        gap: 10px;
        flex-direction: column;
        align-items: stretch;
    }
    .feature-item, .card {
        min-width: 0px;
        max-width: 100vw;
        flex: 1 1 100%;
        width: 100%;
    }
    .card, .testimonial-card {
        padding: 16px 12px;
    }
    .footer-contact {
        flex-direction: column;
        align-items: flex-start;
        font-size: 0.99rem;
        gap: 7px;
    }
    .footer-nav {
        flex-direction: column;
        gap: 10px;
    }
    .text-image-section {
        flex-direction: column;
        align-items: center;
        gap: 18px;
    }
}
@media (max-width: 650px) {
    .container {
        padding: 0 5vw;
    }
    .hero {
        min-height: 180px;
    }
    .testimonial-card {
        max-width: 98vw;
    }
}
@media (max-width: 620px) {
    header .container {
        flex-direction: row;
        flex-wrap: wrap;
        gap: 5px;
    }
    .main-nav {
        display: none !important;
    }
    .cta.primary {
        padding: 10px 23px;
        font-size: 1rem;
        margin-top: 12px;
    }
    .logo img {
        height: 32px;
    }
    .mobile-menu-toggle {
        display: flex;
    }
}
@media (max-width: 440px) {
    .section, .features, .services, .about, .team, .contact, .legal, .success, .cta-main {
        padding: 21px 0px;
    }
    .feature-item, .card, .testimonial-card {
        padding: 13px 7px;
    }
    .container {
        padding: 0 2vw;
    }
}

/**** ACCESSIBILITY OUTLINE ****/
:focus {
    outline: 2.5px solid var(--accent, #FFD600);
    outline-offset: 2px;
}

/**** MISC STYLES & PLAYFUL DETAILS ****/
.feature-item:after {
    content: '';
    display: block;
    width: 42px;
    height: 4px;
    background: var(--accent);
    border-radius: 2px;
    margin-top: 7px;
    opacity: 0.4;
    transition: opacity 0.15s, width 0.16s;
}
.feature-item:hover:after {
    opacity: 1;
    width: 54px;
}
.hero:before {
    content: '';
    display: block;
    position: absolute;
    right: -120px;
    bottom: -80px;
    width: 220px;
    height: 220px;
    background: var(--accent);
    opacity: 0.12;
    border-radius: 60% 50% 58% 70%;
    z-index: 1;
    pointer-events: none;
    animation: floatBlob 5s infinite alternate cubic-bezier(.49,0,.19,1);
}
@keyframes floatBlob {
    0% { transform: scale(1) rotate(0deg); }
    100% { transform: scale(1.08) rotate(10deg); }
}

/**** Hide cookie, mobile-menu by default ****/
.cookie-banner, .cookie-modal-overlay, .mobile-menu {
    display: none;
}

/**** Utility classes (used in HTML, e.g. steps) ****/
.steps {
    padding: 40px 0 28px 0;
    background: #fff8e0;
}

/**** SATISFY INFOCARD layout mandates - always use flex layouts everywhere! ****/
/* All layout root containers (besides legal pages) use only flexbox! */