/* CSS RESET & BASE TYPOGRAPHY ---------------------------------------------------------- */
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 {
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  line-height: 1.5;
  color: #273648;
  background: #F7F9FB;
}
body {
  min-height: 100vh;
  font-size: 16px;
  background: #F7F9FB;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Roboto', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #18487B;
  line-height: 1.2;
  margin-bottom: 16px;
}
h1 { font-size: 2.25rem; margin-bottom: 16px; }
h2 { font-size: 1.5rem; margin-bottom: 14px; }
h3 { font-size: 1.125rem; margin-bottom: 10px; }
h4 { font-size: 1.1rem; margin-bottom: 8px; }

p, ul, ol, li, table, details, summary, .text-section {
  color: #273648;
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  font-size: 1rem; 
}
strong, b {
  font-weight: 700;
  color: #18487B;
}
.text-section {
  margin-bottom: 20px;
}
a {
  color: #18487B;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #228347;
  text-decoration: underline;
}
input, button, select, textarea {
  font-family: inherit;
  font-size: 1rem;
  border: none;
  outline: none;
}
ul, ol {
  margin-left: 1.5em;
  margin-bottom: 20px;
}
ul li, ol li {
  margin-bottom: 6px;
}
table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 24px;
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 2px 12px rgba(24,72,123,0.04);
  overflow: hidden;
}
th, td {
  padding: 13px 10px;
  text-align: left;
}
th {
  background: #e9eff7;
  color: #18487B;
  font-weight: 700;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.06rem;
}
td {
  border-top: 1px solid #e3e9f1;
  font-size: 1rem;
}

/* CONTAINERS & SECTIONS ---------------------------------------------------------- */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 18px;
  box-sizing: border-box;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 2px 16px 0 rgba(24,72,123,0.06);
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

/* SPACING Utility Classes ---------------------------------------------------------- */
.mb-20 { margin-bottom: 20px !important; }
.mt-32 { margin-top: 32px !important; }
.gap-16 { gap: 16px !important; }

/* LAYOUT FLEX CLASSES ---------------------------------------------------------- */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 12px rgba(24,72,123,0.07);
  padding: 28px 22px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 240px;
  flex: 1 1 250px;
  transition: box-shadow 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 4px 22px rgba(24,72,123,0.12);
}
.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;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 20px;
  background: #F5FAFF;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(24,72,123,0.07);
  margin-bottom: 20px;
  font-size: 1.05rem;
  color: #183150;
  max-width: 440px;
  min-width: 220px;
  position: relative;
  border-left: 5px solid #37B86B;
  transition: box-shadow 0.16s, border-color 0.2s;
}
.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 8px 32px rgba(24,72,123,0.11);
  border-left: 5px solid #18487B;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  padding: 18px 14px 18px 14px;
  background: #F2F7FB;
  border-radius: 8px;
  box-shadow: 0 1px 4px rgba(24,72,123,0.05);
  margin-bottom: 20px;
}

/* HERO & CTA STYLES ---------------------------------------------------------- */
.cta, .cta.primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.07rem;
  font-weight: 600;
  border-radius: 6px;
  padding: 13px 30px;
  background: #18487B;
  color: #fff;
  border: none;
  box-shadow: 0 1px 4px rgba(24,72,123,0.08);
  letter-spacing: 0.02em;
  cursor: pointer;
  margin-top: 18px;
  margin-bottom: 12px;
  transition: background 0.22s, box-shadow 0.16s, color 0.18s;
}
.cta.primary {
  background: #37B86B;
}
.cta:hover, .cta:focus {
  background: #228347;
  color: #fff;
  box-shadow: 0 3px 20px rgba(34,131,71,0.11);
}
.cta.primary:hover, .cta.primary:focus {
  background: #18487B;
  color: #fff;
}

.quick-links {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 10px;
}

/* NAVIGATION ---------------------------------------------------------- */
header {
  background: #fff;
  box-shadow: 0 2px 14px 0 rgba(24,72,123,0.06);
  position: sticky;
  top: 0;
  z-index: 70;
}
header .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  min-height: 68px;
  padding-top: 9px;
  padding-bottom: 9px;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  color: #18487B;
  font-size: 1rem;
  padding: 8px 0;
  transition: color 0.17s;
  position: relative;
}
.main-nav a:hover, .main-nav a:focus {
  color: #37B86B;
}
.main-nav a.active::after {
  content: '';
  display: block;
  width: 60%;
  height: 3px;
  background: #37B86B;
  border-radius: 2px;
  margin: 2px auto 0 auto;
}
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2rem;
  color: #18487B;
  padding: 7px 14px;
  margin-left: 13px;
  cursor: pointer;
  border-radius: 5px;
  transition: background 0.18s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #e1eefa;
}

/* MOBILE NAVIGATION OVERLAY ---------------------------------------------------------- */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(24,72,123,0.98);
  z-index: 150;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transform: translateX(-100%);
  transition: transform 0.34s cubic-bezier(.57,.15,.38,1.01);
  padding: 0;
  width: 100vw;
  height: 100vh;
  box-shadow: 0 6px 20px rgba(24,72,123,0.15);
}
.mobile-menu.active {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  background: none;
  color: #fff;
  font-size: 2.3rem;
  border: none;
  padding: 22px 22px 8px 22px;
  cursor: pointer;
  z-index: 151;
  transition: background 0.14s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #18487B;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
  margin-top: 30px;
  padding-left: 38px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.2rem;
  font-weight: 600;
  color: #fff;
  padding: 12px 0;
  display: flex;
  align-items: center;
  border-radius: 4px;
  transition: background 0.19s, color 0.17s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #37B86B;
  background: #123055;
}

/* Show/hide nav for mobile */
@media (max-width: 1025px) {
  .main-nav {
    display: none;
  }
  .cta.primary {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (max-width: 768px) {
  header .container {
    flex-direction: row;
    padding: 0 11px;
    min-height: 56px;
  }
}

/* Features & Benefit Grids ---------------------------------------------------------- */
.feature-grid, .benefit-grid, .testimonial-grid, .article-preview-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 12px;
}
.feature {
  min-width: 220px;
  background: #F2F7FB;
  border-radius: 12px;
  box-shadow: 0 1px 8px 0 rgba(24,72,123,0.04);
  padding: 24px 16px;
  flex: 1 1 220px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 13px;
  margin-bottom: 14px;
  transition: box-shadow 0.17s;
}
.feature:hover, .feature:focus-within {
  box-shadow: 0 5px 24px rgba(24,72,123,0.13);
}
.benefit {
  background: #F8FCFF;
  border-radius: 10px;
  box-shadow: 0 1px 6px rgba(24,72,123,0.03);
  padding: 16px 12px 18px 18px;
  flex: 1 1 180px;
  margin-bottom: 12px;
}
.article-preview-grid {
  gap: 18px;
}
.text-section {
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 1px 6px rgba(24,72,123,0.04);
  padding: 20px 16px 14px 16px;
  margin-bottom: 20px;
}

/* Testimonials ---------------------------------------------------------- */
.testimonial-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.testimonial-author {
  font-size: 1rem;
  font-weight: 600;
  color: #18487B;
  font-family: 'Montserrat', Arial, sans-serif;
  opacity: 0.88;
}
.star-rating {
  color: #FFD600;
  font-size: 1.1rem;
  letter-spacing: 1.5px;
}

/* Timeline (about page) ---------------------------------------------------------- */
.timeline {
  background: #EDF6FF;
  border-radius: 10px;
  padding: 18px 26px;
  margin-bottom: 20px;
  box-shadow: 0 1px 4px 0 rgba(24,72,123,0.04);
}
.timeline h2 {
  margin-bottom: 8px;
  font-size: 1.13rem;
}

/* FAQ & Details ---------------------------------------------------------- */
details {
  background: #F4F8FB;
  border-radius: 6px;
  margin-bottom: 18px;
  box-shadow: 0 1px 5px rgba(24,72,123,0.04);
  transition: background 0.19s;
}
details[open] {
  background: #EDF7F0;
}
details summary {
  cursor: pointer;
  padding: 12px 16px;
  color: #18487B;
  font-weight: 500;
  font-size: 1.05rem;
  outline: none;
  border-radius: 6px 6px 0 0;
  font-family: 'Montserrat', Arial, sans-serif;
}
details div {
  padding: 12px 16px 14px 32px;
  color: #273648;
  font-size: 0.97rem;
}

/* FOOTER ---------------------------------------------------------- */
footer {
  background: #18487B;
  color: #fff;
  padding: 38px 0 22px 0;
  margin-top: 65px;
  font-size: 1rem;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
}
.footer-nav a {
  color: #fff;
  font-size: 0.99rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 400;
  opacity: 0.93;
  transition: color 0.14s, opacity 0.14s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #37B86B;
  opacity: 1;
}
.footer-brand {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 10px;
}
.footer-brand img {
  height: 40px;
  width: auto;
}

/* TABLE RESPONSIVENESS ---------------------------------------------------------- */
@media (max-width: 660px) {
  table, thead, tbody, th, td, tr {
    display: block;
  }
  thead tr {
    display: none;
  }
  tr {
    margin-bottom: 16px;
    background: #fff;
    box-shadow: 0 1px 4px rgba(24,72,123,0.05);
    border-radius: 7px;
  }
  td {
    padding: 12px 14px;
    border: none;
    position: relative;
    font-size: 1.04rem;
  }
  td::before {
    content: attr(data-label);
    font-weight: 600;
    margin-right: 0.7em;
    color: #18487B;
    display: block;
  }
}

/* COOKIE BANNER ---------------------------------------------------------- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 500;
  background: #2B4D73;
  color: #fff;
  box-shadow: 0 -2px 18px rgba(24,72,123,0.10);
  padding: 24px 16px 16px 16px;
  border-radius: 16px 16px 0 0;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 18px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(100%);
  transition: opacity 0.26s, transform 0.36s cubic-bezier(.57,.15,.37,1.05);
  max-width: 480px;
  margin: 0 auto;
  left: 50%;
  right: auto;
  transform: translate(-50%, 100%);
}
.cookie-banner.active {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}
.cookie-banner-content {
  font-size: 1rem;
  color: #fff;
  margin-bottom: 8px;
}
.cookie-banner-actions {
  display: flex;
  gap: 13px;
}
.cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  color: #fff;
  background: #18487B;
  border: none;
  border-radius: 6px;
  padding: 8px 20px;
  cursor: pointer;
  box-shadow: 0 1px 5px rgba(24,72,123,0.08);
  transition: background 0.15s, color 0.16s;
}
.cookie-btn.cookie-accept {
  background: #37B86B;
  color: #fff;
  font-weight: 600;
}
.cookie-btn.cookie-reject {
  background: #e94140;
  color: #fff;
  font-weight: 600;
}
.cookie-btn.cookie-settings {
  background: #EDF6FF;
  color: #18487B;
  font-weight: 600;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #228347;
  color: #fff;
}
.cookie-btn.cookie-settings:hover, .cookie-btn.cookie-settings:focus {
  background: #18487B;
  color: #fff;
}
/* Cookie Modal ---------------------------------------------------------- */
.cookie-modal {
  position: fixed;
  z-index: 600;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(24,72,123,0.60);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.24s;
}
.cookie-modal.active {
  opacity: 1;
  pointer-events: auto;
}
.cookie-modal-content {
  background: #fff;
  color: #273648;
  border-radius: 12px;
  box-shadow: 0 7px 36px rgba(24,72,123,0.17);
  padding: 36px 26px 26px 26px;
  min-width: 300px;
  min-height: 160px;
  max-width: 90vw;
  max-height: 88vh;
  overflow-y: auto;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.cookie-modal-content h3 {
  font-size: 1.21rem;
  font-family: 'Montserrat', Arial, sans-serif;
  color: #18487B;
  margin-bottom: 8px;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 8px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 13px;
  font-size: 0.98rem;
  line-height: 1.6;
}
.cookie-toggle {
  min-width: 48px;
  min-height: 28px;
  border-radius: 18px;
  background: #edf5fe;
  font-size: 1rem;
  accent-color: #228347;
}
.cookie-essential {
  font-weight: 600;
  color: #18487B;
}
.cookie-modal-close {
  position: absolute;
  top: 14px;
  right: 18px;
  background: none;
  color: #18487B;
  font-size: 1.5rem;
  border: none;
  cursor: pointer;
  transition: color 0.14s;
  z-index: 601;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  color: #37B86B;
}

@media (max-width: 500px) {
  .cookie-banner {
    border-radius: 10px 10px 0 0;
    padding: 22px 8px 9px 12px;
    max-width: 99vw;
  }
  .cookie-modal-content {
    padding: 18px 8px 16px 8px;
  }
}
/* Form Styles (if forms are added) ---------------------------------------------------------- */
input, textarea, select {
  background: #F4F8FB;
  border: 1px solid #e1e6ef;
  border-radius: 5px;
  padding: 10px 12px;
  margin-bottom: 14px;
  width: 100%;
  font-size: 1rem;
  color: #18487B;
  transition: border 0.13s, box-shadow 0.18s;
}
input:focus, textarea:focus, select:focus {
  border: 1.7px solid #18487B;
  box-shadow: 0 2px 6px rgba(24,72,123,0.15);
}

/* Responsive, Layout, and Spacing ---------------------------------------------------------- */
@media (min-width: 769px) {
  .content-wrapper {
    flex-direction: row;
    gap: 44px;
  }
  .feature-grid, .benefit-grid, .testimonial-grid, .article-preview-grid {
    flex-direction: row;
  }
  .testimonial-grid {
    justify-content: flex-start;
  }
}
@media (max-width: 768px) {
  .container {
    padding: 0 7px;
  }
  .section {
    margin-bottom: 44px;
    padding: 22px 7px;
  }
  .footer-brand {
    flex-direction: column;
    align-items: flex-start;
    gap: 5px;
  }
}
@media (max-width: 600px) {
  h1 { font-size: 1.43rem; }
  h2 { font-size: 1.18rem; }
  h3 { font-size: 1.05rem; }
}

/* VISUAL HIERARCHY ---------------------------------------------------------- */
.section, .timeline, .feature, .benefit, .testimonial-card, .card, .text-section {
  margin-bottom: 20px;
}

/* MICRO-INTERACTIONS & ANIMATIONS ---------------------------------------------------------- */
button, .cta, .card, .feature, .main-nav a, .mobile-nav a, .testimonial-card {
  transition: background 0.15s, box-shadow 0.16s, color 0.13s, border-color 0.14s;
}
.card:hover, .feature:hover, .benefit:hover, .article-preview-grid > .text-section:hover {
  box-shadow: 0 8px 32px rgba(24,72,123,0.13);
}

/* TYPOGRAPHY SIZING SCALE ---------------------------------------------------------- */
/* 14px, 16px, 18px, 24px, 32px, 48px scale */
.text-xs { font-size: 0.86rem; }
.text-sm { font-size: 0.98rem; }
.text-md { font-size: 1.13rem; }
.text-lg { font-size: 1.4rem; }
.text-xl { font-size: 2.11rem; }

/* ACCESSIBILITY: Contrast for Testimonials/Reviews ------------------------------------- */
.testimonial-card, .testimonial-card p, .testimonial-card .testimonial-author {
  color: #183150;
  background: #F5FAFF;
}

/* ENSURE NO GRID OR COLUMNS PROPERTIES USED */
/* [NO display: grid, grid-*, columns, column-count, etc.] */