/* --------------------------------------------------------
   CSS RESET & NORMALIZE
-------------------------------------------------------- */
html {
  box-sizing: border-box;
  font-size: 16px;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body, h1, h2, h3, h4, h5, h6, p, ul, ol, li, blockquote, pre, figure, hr {
  margin: 0;
  padding: 0;
  font-weight: normal;
}
ul, ol {
  padding-left: 1.2em;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
  border-style: none;
}
a {
  color: inherit;
  text-decoration: none;
  transition: color 0.18s;
}
button, input, select, textarea {
  font: inherit;
  outline: none;
  border: none;
  background: none;
}
button {
  cursor: pointer;
  background: none;
}

/* --------------------------------------------------------
   BRAND COLORS & TYPOGRAPHY
-------------------------------------------------------- */
:root {
  --color-primary: #253746;
  --color-secondary: #FFFFFF;
  --color-accent: #FFA900;
  --color-premium-gold: #C8AD63;
  --color-text: #1a222b;
  --color-text-on-dark: #fff;
  --color-section-bg: #f5f6fa;
  --color-card-bg: #fff;
  --color-border: #dadada;
  --color-shadow: rgba(37, 55, 70, 0.09);
  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 7px 24px -8px var(--color-shadow);
  --font-display: 'Montserrat', Arial, Helvetica, sans-serif;
  --font-body: 'Open Sans', Arial, Helvetica, sans-serif;
}

body {
  background: var(--color-section-bg);
  color: var(--color-text);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.8;
  letter-spacing: 0.01em;
  min-height: 100vh;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--color-primary);
  font-weight: 700;
  letter-spacing: 0.01em;
}
h1 {
  font-size: 2.25rem;
  line-height: 1.13;
  margin-bottom: 22px;
}
h2 {
  font-size: 1.75rem;
  margin-bottom: 18px;
  line-height: 1.18;
}
h3 {
  font-size: 1.25rem;
  margin-bottom: 10px;
  line-height: 1.22;
}
h4, h5, h6 {
  font-size: 1.1rem;
  margin-bottom: 8px;
}
p, ul, ol, blockquote {
  margin-bottom: 14px;
  font-size: 1rem;
  color: var(--color-text);
}
.section, .legal, .faq, .confirmation {
  background: var(--color-card-bg);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  margin-bottom: 60px;
  padding: 40px 20px;
}

/* --------------------------------------------------------
   CONTAINER & LAYOUT HELPERS
-------------------------------------------------------- */
.container {
  max-width: 1200px;
  padding: 0 20px;
  margin: 0 auto;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 28px;
  width: 100%;
}

/* --------------------------------------------------------
   FLEXBOX PATTERNS (MANDATORY)
-------------------------------------------------------- */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  background: var(--color-card-bg);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  padding: 28px 22px;
  position: relative;
  flex: 1 1 280px;
  transition: box-shadow 0.18s;
}
.card:hover {
  box-shadow: 0 10px 32px -6px rgba(37,55,70,0.14);
}
.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;
  background: #fff;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  margin-bottom: 20px;
  border-left: 4px solid var(--color-premium-gold);
  transition: transform 0.13s;
}
.testimonial-card:hover {
  transform: translateY(-4px) scale(1.015);
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* --------------------------------------------------------
   HEADER, NAV & BURGER MENU
-------------------------------------------------------- */
header {
  width: 100%;
  background: var(--color-primary);
  box-shadow: 0 2px 14px -6px var(--color-shadow);
  padding: 0;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  justify-content: flex-start;
  padding: 0 24px;
  min-height: 76px;
}
.main-nav > a {
  color: var(--color-text-on-dark);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
  transition: color 0.16s;
  padding: 7px 8px;
  border-radius: 6px;
  position: relative;
}
.main-nav > a.cta.primary {
  background: var(--color-premium-gold);
  color: var(--color-primary);
  padding: 8px 20px;
  margin-left: 16px;
  font-weight: 700;
  font-size: 1.06rem;
  letter-spacing: 0.04em;
  border-radius: 999px;
  box-shadow: 0 2px 8px -4px var(--color-shadow);
  border: 1.5px solid var(--color-premium-gold);
  transition: background 0.19s, color 0.19s, box-shadow 0.16s;
  z-index: 5;
}
.main-nav > a:not(.cta):hover, .main-nav > a:not(.cta):focus {
  color: var(--color-accent);
  background: rgba(255, 169, 0, 0.08);
}
.main-nav > a.cta.primary:hover, .main-nav > a.cta.primary:focus {
  background: var(--color-accent);
  color: var(--color-primary);
  outline: 0;
  box-shadow: 0 5px 24px -8px var(--color-shadow);
}
.main-nav img {
  height: 44px;
  width: auto;
  margin-right: 18px;
  vertical-align: middle;
}
/* Burger Menu on Mobile */
.mobile-menu-toggle {
  display: none;
  position: absolute;
  right: 24px;
  top: 18px;
  font-size: 2rem;
  color: var(--color-premium-gold);
  background: transparent;
  border-radius: 6px;
  border: none;
  z-index: 201;
  transition: background 0.18s;
  padding: 2px 12px;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: rgba(200,173,99,0.13);
}
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-primary);
  transform: translateX(-100%);
  transition: transform 0.34s cubic-bezier(0.77,0.1,0.34,1.0);
  z-index: 200;
  display: flex;
  flex-direction: column;
  padding-top: 48px;
  padding-left: 32px;
  padding-right: 32px;
  overflow-y: auto;
  box-shadow: 4px 0 36px -8px var(--color-shadow);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  position: absolute;
  top: 16px;
  right: 32px;
  font-size: 2rem;
  background: none;
  color: var(--color-premium-gold);
  border-radius: 4px;
  padding: 2px 12px;
  outline: none;
  z-index: 201;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: rgba(200,173,99,0.10);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 26px;
}
.mobile-nav a {
  color: var(--color-text-on-dark);
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 600;
  padding: 13px 0 13px 10px;
  border-radius: 999px 0 0 999px;
  transition: background 0.16s, color 0.15s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: rgba(255,169,0,0.13);
  color: var(--color-premium-gold);
  outline: none;
}
@media (max-width: 990px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 991px) {
  .mobile-menu {
    display: none !important;
  }
  .mobile-menu-toggle {
    display: none;
  }
}


/* --------------------------------------------------------
   HERO SECTIONS
-------------------------------------------------------- */
.hero {
  background: linear-gradient(95deg, var(--color-primary) 69%, var(--color-premium-gold) 100%);
  border-radius: var(--radius);
  margin-bottom: 60px;
  padding: 56px 0 48px 0;
}
.hero .container {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.hero .content-wrapper {
  color: var(--color-text-on-dark);
  gap: 14px;
}
.hero h1 {
  color: var(--color-premium-gold);
  font-size: 2.4rem;
  margin-bottom: 16px;
}
.hero p {
  color: var(--color-text-on-dark);
  font-size: 1.14rem;
}
.hero .cta.primary {
  margin-top: 10px;
}

/* --------------------------------------------------------
   CTA BUTTONS
-------------------------------------------------------- */
.cta.primary {
  display: inline-block;
  background: var(--color-premium-gold);
  color: var(--color-primary);
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 700;
  padding: 12px 32px;
  border-radius: 999px;
  letter-spacing: 0.06em;
  box-shadow: 0 2px 16px -8px var(--color-shadow);
  border: 1.5px solid var(--color-premium-gold);
  transition: background 0.19s, color 0.19s, box-shadow 0.19s;
}
.cta.primary:hover, .cta.primary:focus {
  background: var(--color-accent);
  color: var(--color-primary);
  box-shadow: 0 8px 32px -8px var(--color-shadow);
  outline: 0;
  text-decoration: none;
}
.cta-text {
  font-size: 1.1rem;
  color: var(--color-primary);
  margin-top: 20px;
}
.cta-text a {
  color: var(--color-premium-gold);
  font-weight: 600;
  text-decoration: underline;
  transition: color 0.18s;
}
.cta-text a:hover, .cta-text a:focus {
  color: var(--color-accent);
}

/* --------------------------------------------------------
   FEATURES, CARDS, STEPS, TIPS
-------------------------------------------------------- */
.features .feature-grid, .problems-solutions .problem-list, .service-cards, .option-cards, .team-bios {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 15px;
  margin-bottom: 12px;
}
.features .feature-grid > div, .problems-solutions .problem-list > div, .service-cards > div, .option-cards > div, .team-bios > div {
  background: var(--color-card-bg);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  padding: 26px 20px 25px 20px;
  min-width: 0;
  flex: 1 1 246px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 11px;
  border: 1.6px solid var(--color-border);
  transition: box-shadow 0.16s, border-color 0.15s;
  margin-bottom: 16px;
}
.features .feature-grid > div:hover,
.service-cards > div:hover,
.option-cards > div:hover,
.team-bios > div:hover {
  border-color: var(--color-premium-gold);
  box-shadow: 0 8px 32px -10px var(--color-shadow);
}
.features .feature-grid img, .problems-solutions .problem-list img, .service-cards img, .option-cards img, .team-bios img, .tip-list img {
  max-width: 40px;
  margin-bottom: 7px;
}
.tip-list {
  display: flex;
  flex-direction: column;
  gap: 19px;
}
.tip-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 1.015rem;
  line-height: 1.7;
  color: var(--color-primary);
}
.tip-list img {
  flex-shrink: 0;
}
.tip-highlights {
  background: var(--color-section-bg);
  border-radius: var(--radius-sm);
  padding: 18px 21px;
  font-size: 0.96rem;
}
.problem-list > div {
  color: var(--color-text);
}

/* Checklist, Results, Options*/
.checklist ul, .finance-tips-list, .next-steps, .user-rights, .option-comparisons ul {
  margin: 0 0 18px 20px;
  list-style: disc inside;
  font-size: 1.0rem;
  color: var(--color-text);
}
.guide-steps ol {
  margin: 0 0 18px 20px;
  font-size: 1.06rem;
  color: var(--color-text);
}
.pro-tips, .tip-highlights ul {
  margin: 0 0 12px 20px;
  font-size: 0.98rem;
  color: var(--color-primary);
}

/* Cards for Solutions or Highlights */
.solution-cards, .option-comparisons {
  background: var(--color-section-bg);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  margin-top: 24px;
  margin-bottom: 18px;
}
.solution-cards h3, .option-comparisons h3 {
  font-size: 1.12rem;
  margin-bottom: 7px;
}
.solution-cards ul, .option-comparisons ul {
  margin-left: 14px;
}

/* --------------------------------------------------------
   TESTIMONIALS
-------------------------------------------------------- */
.testimonials {
  background: var(--color-section-bg);
  border-radius: var(--radius);
  margin-bottom: 60px;
  padding: 55px 0 45px 0;
}
.testimonials .content-wrapper {
  gap: 20px;
}
.testimonial-card {
  background: #fff;
  color: var(--color-primary);
  border-left: 4px solid var(--color-premium-gold);
  box-shadow: var(--shadow);
  margin-bottom: 20px;
  font-style: normal;
  position: relative;
  min-width: 0;
}
.testimonial-card blockquote {
  font-size: 1.14rem;
  font-family: var(--font-display);
  margin-bottom: 6px;
  color: var(--color-primary);
}
.testimonial-card footer {
  font-size: 0.98rem;
  color: var(--color-text);
  font-style: italic;
  margin-left: 8px;
}

/* --------------------------------------------------------
   CONTACT & FOOTER
-------------------------------------------------------- */
.footer-content {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 40px;
  justify-content: space-between;
  padding: 44px 20px 30px 20px;
  background: var(--color-primary);
  color: var(--color-text-on-dark);
  border-radius: var(--radius) var(--radius) 0 0;
  font-size: 1rem;
  margin-top: 70px;
}
.footer-content img {
  height: 38px;
  width: auto;
}
.footer-nav {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.footer-nav a {
  color: var(--color-premium-gold);
  font-family: var(--font-display);
  font-size: 1rem;
  transition: color 0.15s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: var(--color-accent);
}
.footer-contact {
  font-size: 0.99rem;
  color: var(--color-text-on-dark);
}
.footer-contact a {
  color: var(--color-premium-gold);
  text-decoration: underline;
  transition: color 0.16s;
}
.footer-contact a:hover, .footer-contact a:focus {
  color: var(--color-accent);
}

/* --------------------------------------------------------
   LEGAL, POLICY, TERMS
-------------------------------------------------------- */
.legal, .policy, .terms, .rgpd, .cookies {
  background: var(--color-card-bg);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
  padding: 40px 20px;
  margin-bottom: 60px;
}

/* --------------------------------------------------------
   COOKIE CONSENT BANNER & MODAL
-------------------------------------------------------- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100%;
  background: var(--color-card-bg);
  box-shadow: 0 -2px 20px -8px rgba(37, 55, 70, 0.10);
  border-top: 2px solid var(--color-premium-gold);
  z-index: 2300;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  padding: 22px 34px 22px 34px;
  gap: 0 18px;
  font-size: 1rem;
  animation: slideUpFadeIn 0.66s cubic-bezier(0.48, 0.39, 0.36, 0.94);
}
@keyframes slideUpFadeIn {
  from { opacity: 0; transform: translateY(50px); }
  to   { opacity: 1; transform: translateY(0); }
}
.cookie-banner .cookie-banner-actions {
  display: flex;
  gap: 12px;
}
.cookie-banner button {
  font-family: var(--font-display);
  font-size: 1rem;
  padding: 10px 24px;
  border-radius: 999px;
  border: 1.3px solid var(--color-premium-gold);
  margin: 0 0 0 0;
  background: #fff;
  color: var(--color-primary);
  transition: background 0.16s, color 0.16s, border 0.13s;
}
.cookie-banner .accept {
  background: var(--color-premium-gold);
  color: var(--color-primary);
  font-weight: 700;
}
.cookie-banner .accept:hover, .cookie-banner .accept:focus {
  background: var(--color-accent);
  color: var(--color-primary);
}
.cookie-banner .reject {
  background: #fff;
  color: var(--color-primary);
}
.cookie-banner .reject:hover, .cookie-banner .reject:focus {
  background: var(--color-section-bg);
}
.cookie-banner .settings {
  background: transparent;
  color: var(--color-premium-gold);
  border: none;
  text-decoration: underline;
  padding-right: 0;
  font-size: 0.98rem;
}
.cookie-banner .settings:hover, .cookie-banner .settings:focus {
  color: var(--color-accent);
}

.cookie-modal {
  display: none;
  position: fixed;
  z-index: 3000;
  left: 0; right: 0; bottom: 0; top: 0;
  background: rgba(37, 55, 70, 0.63);
  align-items: center;
  justify-content: center;
  animation: fadeInModal 0.28s;
}
@keyframes fadeInModal {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal.open {
  display: flex;
}
.cookie-modal .cookie-modal-content {
  background: var(--color-card-bg);
  padding: 42px 26px 32px 26px;
  border-radius: var(--radius);
  box-shadow: 0 8px 48px -8px var(--color-shadow);
  width: 94vw;
  max-width: 440px;
  font-size: 1rem;
  position: relative;
  animation: modalPop 0.22s cubic-bezier(0.34,0.99,0.59,1.3);
}
@keyframes modalPop {
  from { transform: scale(0.82); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.cookie-modal-close {
  position: absolute;
  top: 12px;
  right: 18px;
  font-size: 1.8rem;
  background: none;
  border: none;
  color: var(--color-premium-gold);
  border-radius: 4px;
  padding: 2px 10px;
}
.cookie-modal-close:hover,
.cookie-modal-close:focus {
  background: rgba(200,173,99,0.11);
}
.cookie-modal-content h2 {
  font-size: 1.25rem;
  color: var(--color-primary);
  margin-bottom: 7px;
}
.cookie-modal-content .cookie-category {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 18px;
}
.cookie-toggle {
  display: inline-flex;
  align-items: center;
}
.cookie-toggle input[type="checkbox"] {
  appearance: none;
  width: 38px;
  height: 22px;
  border-radius: 999px;
  background: #e6e1d1;
  position: relative;
  outline: none;
  transition: background 0.19s;
  margin-right: 9px;
}
.cookie-toggle input[type="checkbox"]:checked {
  background: var(--color-premium-gold);
}
.cookie-toggle input[type="checkbox"]:before {
  content: '';
  display: block;
  width: 19px;
  height: 19px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1.5px 7px -2px rgba(37,55,70,0.08);
  position: absolute;
  top: 1.5px;
  left: 2px;
  transition: left 0.17s;
}
.cookie-toggle input[type="checkbox"]:checked:before {
  left: 17px;
  background: #fff;
}
.cookie-modal-footer {
  display: flex;
  gap: 17px;
  margin-top: 24px;
  justify-content: flex-end;
}
.cookie-modal-footer .cta.primary,
.cookie-modal-footer button {
  padding: 9px 20px;
  font-size: 1rem;
  border-radius: 999px;
}

/* Essential cookies are disabled visually */
.cookie-modal-content .cookie-category.essential input[type='checkbox'] {
  opacity: 0.5;
  pointer-events: none;
}

/* --------------------------------------------------------
   ANIMATIONS (BUTTONS, HOVER, MICROINTERACTIONS)
-------------------------------------------------------- */
a, button, .cta.primary {
  transition: color 0.18s, background 0.18s, box-shadow 0.19s, border 0.14s, transform 0.14s;
}
.card, .testimonial-card, .footer-content, .service-cards > div, .option-cards > div {
  transition: box-shadow 0.16s, border-color 0.15s, transform 0.13s;
}

/* --------------------------------------------------------
   RESPONSIVE DESIGN (MOBILE-FIRST)
-------------------------------------------------------- */
@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  .main-nav {
    display: none;
  }
  .container {
    padding: 0 8px;
  }
  .hero {
    padding: 32px 0 27px 0;
    margin-bottom: 28px;
  }
  .hero h1 {
    font-size: 1.34rem;
    margin-bottom: 9px;
  }
  .hero .content-wrapper {
    gap: 8px;
  }
  .section, .legal, .faq, .confirmation {
    padding: 22px 6px;
    margin-bottom: 30px;
  }
  .testimonials {
    padding: 32px 0 18px 0;
    margin-bottom: 28px;
  }
  .card-container,
  .features .feature-grid, .problems-solutions .problem-list, .service-cards, .option-cards, .team-bios {
    flex-direction: column;
    gap: 14px;
  }
  .footer-content {
    flex-direction: column;
    gap: 18px;
    padding: 24px 10px 18px 10px;
    margin-top: 32px;
  }
  .text-image-section {
    flex-direction: column;
    gap: 15px;
  }
  .content-grid {
    flex-direction: column;
    gap: 16px;
  }
  .testimonial-card {
    flex-direction: column;
    gap: 5px;
    padding: 14px 7px;
  }
  .footer-nav {
    gap: 11px;
    margin-bottom: 7px;
  }
  .card, .features .feature-grid > div, .problems-solutions .problem-list > div, .service-cards > div, .option-cards > div, .team-bios > div {
    padding: 16px 10px 13px 10px;
  }
  .option-comparisons, .solution-cards, .tip-highlights {
    padding: 11px 8px;
  }
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.99rem;
    padding: 18px 7vw;
  }
  .cookie-banner .cookie-banner-actions {
    width: 100%;
    flex-direction: column;
    gap: 7px;
  }
  .cookie-modal .cookie-modal-content {
    padding: 24px 6px 14px 6px;
    width: 98vw;
    max-width: 100vw;
  }
}

/* --------------------------------------------------------
   MISCELLANEOUS
-------------------------------------------------------- */
a.underline, .underline {
  text-decoration: underline;
}
a.bold, .bold {
  font-weight: 700;
}
strong {
  font-weight: 700;
  color: var(--color-primary);
}
hr {
  border: none;
  border-top: 1.2px solid var(--color-border);
  margin: 24px 0;
}
::-webkit-input-placeholder { color: #9fa6b2; opacity: 1; }
::-moz-placeholder { color: #9fa6b2; opacity: 1; }
:-ms-input-placeholder { color: #9fa6b2; opacity: 1; }
::placeholder { color: #9fa6b2; opacity: 1; }

/* Hide outline where not necessary, highlight on focus */
a:focus-visible, .cta.primary:focus-visible, button:focus-visible {
  outline: 2px solid var(--color-premium-gold);
  outline-offset: 2px;
}

/* --------------------------------------------------------
   PRINT (OPTIONAL, FOR CHECKLIST PDF LINK)
-------------------------------------------------------- */
@media print {
  header, nav, .footer-content, .cookie-banner, .mobile-menu { display: none !important; }
  .container, body { background: #fff !important; color: #000 !important; }
}