/* ========================
   01. CSS RESET & BASE
==========================*/
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;
  font-size: 16px;
  background: #F6F9FB;
}
body {
  background: #F6F9FB;
  color: #232333;
  min-height: 100vh;
  font-size: 1rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
*, *:before, *:after {
  box-sizing: inherit;
}
a {
  color: #293370;
  text-decoration: none;
  transition: color .2s;
}
a:hover, a:active, a:focus {
  color: #D97B45;
  text-decoration: underline;
}
ul, ol { list-style: none; }
img { max-width: 100%; height: auto; border: 0; display: block; }

/* ========================
   02. TYPOGRAPHY
==========================*/
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  line-height: 1.15;
  font-weight: 700;
  color: #20295C;
  margin-bottom: 18px;
  letter-spacing: 0.02em;
}
h1 {
  font-size: 2.5rem;
  margin-bottom: 24px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.25rem;
  color: #293370;
  margin-bottom: 12px;
}
h4, h5, h6 {
  font-size: 1rem;
  font-weight: 600;
}
p, ul, ol, dl {
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  color: #232333;
  font-size: 1rem;
  margin-bottom: 18px;
}
p.subheadline {
  font-size: 1.25rem;
  color: #293370;
  margin-bottom: 26px;
}
strong, b {
  font-weight: 700;
  color: #20295C;
}
li {
  margin-bottom: 8px;
}
dt {
  font-weight: bold;
  color: #293370;
  margin-top: 16px;
}
dd {
  margin-left: 0;
  margin-bottom: 10px;
}

/* ========================
   03. LAYOUT CONTAINERS
==========================*/
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  gap: 0; /* Overridden by inner wrappers for structure. */
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
  width: 100%;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 24px 0 rgba(35,51,51,0.04);
  position: relative;
}

/* ========================
   04. HEADER & NAVIGATION
==========================*/
header {
  background: #fff;
  border-bottom: 3px solid #F6F9FB;
  position: relative;
  z-index: 10;
}
header .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  padding: 18px 20px;
  gap: 24px;
}
.main-nav {
  display: flex;
  flex-direction: row;
  gap: 24px;
  align-items: center;
}
.main-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  letter-spacing: 0.03em;
  font-weight: 600;
  color: #293370;
  padding: 8px 12px;
  border-radius: 8px;
  transition: background .18s, color .18s;
  position: relative;
}
.main-nav a:hover, .main-nav a:focus {
  background: #F6F9FB;
  color: #D97B45;
}
.button-primary {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #fff;
  background: #293370;
  border: none;
  border-radius: 8px;
  padding: 12px 28px;
  font-size: 1.1rem;
  letter-spacing: 0.03em;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  transition: background .2s, box-shadow .24s;
  box-shadow: 0 2px 12px 0 rgba(35,51,112,0.04);
}
.button-primary:hover, .button-primary:focus {
  background: #20295C;
  color: #D97B45;
  box-shadow: 0 2px 16px 0 rgba(41,51,112,0.10);
}
.button-secondary {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #293370;
  background: #F6F9FB;
  border: 2px solid #293370;
  border-radius: 8px;
  padding: 11px 24px;
  font-size: 1rem;
  letter-spacing: 0.03em;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  transition: color .2s, background .2s, border .2s, box-shadow .16s;
  box-shadow: 0 2px 12px 0 rgba(35,51,112,0.04);
}
.button-secondary:hover, .button-secondary:focus {
  background: #293370;
  color: #fff;
  border-color: #293370;
}

/* ===================
   05. MOBILE NAV
=====================*/
.mobile-menu-toggle {
  display: none;
  background: #293370;
  color: #fff;
  font-size: 2rem;
  border: none;
  border-radius: 8px;
  padding: 10px 14px;
  cursor: pointer;
  margin-left: 14px;
  z-index: 101;
  transition: background .18s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #D97B45;
  color: #fff;
}
.mobile-menu {
  position: fixed;
  top: 0; left: 0; bottom: 0; right: 0;
  background: rgba(41, 51, 112, 0.97);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: center;
  z-index: 9999;
  transform: translateX(-100%);
  transition: transform 0.35s cubic-bezier(0.65, 0, 0.35, 1);
  padding-top: 32px;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: #fff;
  color: #293370;
  font-size: 2rem;
  border: none;
  padding: 10px 16px;
  border-radius: 8px;
  align-self: flex-end;
  margin-right: 32px;
  margin-bottom: 12px;
  cursor: pointer;
  transition: background .18s;
  z-index: 10001;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #D97B45;
  color: #fff;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 24px;
  align-items: center;
  margin-top: 36px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: #fff;
  padding: 14px 30px;
  border-radius: 10px;
  background: transparent;
  transition: background .18s, color .18s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #D97B45;
  color: #fff;
}

/* Hide nav by default on mobile */
@media (max-width: 1023px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 1024px) {
  .mobile-menu {
    display: none !important;
  }
  .mobile-menu-toggle {
    display: none !important;
  }
}

/* ===================
   06. HERO BANNER
=====================*/
.hero {
  background: linear-gradient(135deg, #F6F9FB 80%, #D97B45 100%);
  padding: 0;
  min-height: 310px;
  margin-bottom: 54px;
  display: flex;
  align-items: center;
  border-radius: 0 0 50px 50px;
  box-shadow: 0 4px 24px 0 rgba(41,51,112,0.08);
}
.hero .container {
  flex-direction: row;
  align-items: center;
  justify-content: flex-start;
}
.hero .content-wrapper {
  max-width: 700px;
  gap: 14px;
}

/* ===================
   07. STRUCTURE & CARDS
=====================*/
.features, .about, .services-overview, .services, .services-list, .contact-section, .contact-short, .contact-quick, .trust-features, .guide, .market-features, .process-steps, .knowledge-base, .faq, .newsletter, .testimonials, .thankyou-message, .privacy-policy, .gdpr-info, .cookie-policy, .terms {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 6px 24px 0 rgba(41,51,112,0.045);
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
}
.card {
  flex: 1 1 280px;
  margin-bottom: 20px;
  border-radius: 18px;
  background: #F6F9FB;
  box-shadow: 0 2px 12px 0 rgba(41,51,112,0.06);
  position: relative;
  padding: 24px;
  transition: box-shadow .22s;
  display: flex;
  flex-direction: column;
}
.card:hover, .card:focus-within {
  box-shadow: 0 8px 28px 0 rgba(217,123,69,0.13);
}
.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: 16px;
  }
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #F6F9FB;
  border-radius: 12px;
  box-shadow: 0 2px 8px 0 rgba(41,51,112,0.04);
  padding: 28px 22px;
  flex: 1 1 280px;
  min-width: 220px;
  margin-bottom: 20px;
  transition: box-shadow .19s;
  border-left: 5px solid #D97B45;
}
.feature-item img {
  width: 44px;
  height: 44px;
  border-radius: 6px;
}
.feature-item:hover, .feature-item:focus-within {
  box-shadow: 0 4px 18px 0 rgba(217,123,69,0.13);
}

.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 32px 28px;
  margin-bottom: 20px;
  background: #F6F9FB;
  border-radius: 18px;
  box-shadow: 0 2px 14px 0 rgba(41,51,112,0.08);
  border-left: 6px solid #293370;
  transition: box-shadow .2s;
}
.testimonial-card p {
  color: #20295C;
  font-size: 1.1rem;
  font-style: italic;
  margin-bottom: 0;
}
.testimonial-details {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  color: #293370;
  font-weight: 600;
}
.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 4px 24px 0 rgba(41,51,112,0.13);
  border-left-color: #D97B45;
}

/* district table */
.districts-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 28px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 8px 0 rgba(41,51,112,0.07);
  overflow: hidden;
}
.districts-table th, .districts-table td {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  padding: 16px 12px;
  text-align: left;
  border-bottom: 1px solid #F6F9FB;
}
.districts-table th {
  background: #293370;
  color: #fff;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.districts-table tr:last-child td {
  border-bottom: none;
}

/* Services overview */
.service-list {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-bottom: 25px;
}
.service-item {
  background: #F6F9FB;
  border-radius: 12px;
  box-shadow: 0 1px 4px 0 rgba(41,51,112,.03);
  padding: 26px 20px;
  flex: 1 0 270px;
  min-width: 220px;
  margin-bottom: 20px;
  border-left: 5px solid #293370;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: border-left-color .2s, box-shadow .2s;
}
.service-item:hover, .service-item:focus-within {
  border-left-color: #D97B45;
  box-shadow: 0 4px 14px 0 rgba(217,123,69,0.10);
}

.article-teasers {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  margin-bottom: 26px;
}
.article-item {
  flex: 1 1 280px;
  padding: 24px;
  background: #F6F9FB;
  border-radius: 12px;
  box-shadow: 0 2px 8px 0 rgba(41,51,112,0.07);
  min-width: 210px;
  margin-bottom: 20px;
  border-left: 4px solid #293370;
  transition: border-color .2s, box-shadow .2s;
}
.article-item:hover, .article-item:focus-within {
  border-left-color: #D97B45;
  box-shadow: 0 4px 14px 0 rgba(217,123,69,0.08);
}

/* Newsletter & Contact */
.newsletter, .footer-newsletter {
  background: #F6F9FB;
  border-radius: 14px;
  box-shadow: 0 2px 8px 0 rgba(217,123,69,0.04);
  padding: 28px 18px;
  margin-bottom: 20px;
}

.contact-details p, .contact-details a {
  font-size: 1rem;
}
.contact-details strong {
  font-weight: bold;
  color: #293370;
}

/* ===================
   08. FOOTER
=====================*/
footer {
  background: #293370;
  color: #fff;
  padding: 48px 0 12px 0;
  margin-top: 70px;
}
footer .container {
  flex-direction: row;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
}
.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 0.98rem;
  font-weight: 600;
  opacity: 0.88;
  transition: color .18s, opacity .17s;
  margin-bottom: 6px;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #D97B45;
  opacity: 1;
}
.footer-newsletter {
  background: #fff;
  color: #293370;
  border-radius: 10px;
  box-shadow: 0 3px 12px 0 rgba(41,51,112,0.06);
}
.footer-newsletter h3 {
  color: #20295C;
}
.footer-social {
  display: flex;
  flex-direction: row;
  gap: 18px;
  align-items: center;
}
.footer-social a img {
  width: 26px;
  height: 26px;
  filter: grayscale(10%);
  transition: filter .16s;
}
.footer-social a:hover img, .footer-social a:focus img {
  filter: grayscale(0%) brightness(1.2) drop-shadow(0 1px 8px #D97B45);
}
.footer-copy {
  margin-top: 18px;
  font-size: 0.95rem;
  color: #fff;
  opacity: 0.8;
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
}

/* Responsive Footer */
@media (max-width: 900px) {
  footer .container {
    flex-direction: column;
    gap: 12px;
    align-items: stretch;
  }
}

/* ====================
   09. TABLES, FAQ, etc.
=======================*/
table {
  width: 100%;
  border-spacing: 0;
  border-collapse: collapse;
  margin-bottom: 20px;
}
th, td {
  padding: 12px 10px;
  text-align: left;
}
tr {
  border-bottom: 1px solid #F6F9FB;
}
th {
  color: #fff;
  background: #293370;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}

/* FAQ */
.faq dl, .services-list dl {
  margin-top: 12px;
  font-size: 1rem;
}
.faq dt, .services-list dt {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #293370;
  margin-top: 18px;
}
.faq dd, .services-list dd {
  margin-left: 0;
  color: #232333;
}

/* ===================
   10. MEDIA QUERIES
=====================*/
@media (max-width: 900px) {
  .service-list, .article-teasers, .feature-grid, .content-grid, .card-container, .footer-nav {
    flex-direction: column !important;
    gap: 18px !important;
  }
  .service-item, .article-item, .feature-item, .card, .testimonial-card {
    min-width: 0 !important;
    width: 100% !important;
  }
  .footer-newsletter, .newsletter {
    width: 100%;
    margin-bottom: 20px;
  }
}
@media (max-width: 768px) {
  html { font-size: 15px; }
  .hero h1 { font-size: 2rem; }
  .container { padding: 0 10px; }
  .section, .features, .about, .services-overview, .guide, .market-features, .services-list, .testimonials, .contact-section, .newsletter, .privacy-policy, .gdpr-info, .cookie-policy, .terms, .thankyou-message {
    padding: 28px 8px 30px 8px;
  }
  .hero {
    min-height: 180px;
    padding: 0 0 24px 0;
    border-radius: 0 0 25px 25px;
  }
  h1 { font-size: 1.55rem; }
  h2 { font-size: 1.28rem; }
}
@media (max-width: 540px) {
  html { font-size: 14px; }
  .container {
    padding: 0 2vw;
  }
  .footer-copy { font-size: 0.9rem; }
}

/* =========================
   11. COOKIE CONSENT BANNER
===========================*/
.cookie-banner {
  position: fixed;
  left: 0; right: 0;
  bottom: 0;
  background: #fff;
  color: #293370;
  box-shadow: 0 -4px 32px 0 rgba(41,51,112,0.11);
  border-radius: 18px 18px 0 0;
  padding: 20px 28px;
  z-index: 10500;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  animation: cookieIn 0.38s ease;
}
@keyframes cookieIn {
  0% { transform: translateY(120%); }
  100% { transform: translateY(0); }
}
.cookie-banner p {
  flex: 1 1 auto;
  color: #232333;
  font-size: 1rem;
}
.cookie-banner .cookie-buttons {
  display: flex;
  flex-direction: row;
  gap: 10px;
}
.cookie-banner button {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  border-radius: 7px;
  padding: 9px 20px;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  transition: background .18s, color .18s, box-shadow .13s;
}
.cookie-accept {
  background: #293370;
  color: #fff;
}
.cookie-accept:hover, .cookie-accept:focus{
  background: #20295C;
  color: #D97B45;
}
.cookie-reject {
  background: #F6F9FB;
  color: #293370;
  border: 1px solid #293370;
}
.cookie-reject:hover, .cookie-reject:focus {
  background: #293370;
  color: #fff;
  border: 1px solid #293370;
}
.cookie-settings {
  background: #fff1e7;
  color: #D97B45;
  border: 1px solid #D97B45;
}
.cookie-settings:hover, .cookie-settings:focus{
  background: #D97B45;
  color: #fff;
}

@media (max-width: 640px) {
  .cookie-banner {
    flex-direction: column;
    align-items: stretch;
    padding: 18px 10px;
    gap: 14px;
  }
  .cookie-banner .cookie-buttons {
    flex-direction: column;
    gap: 8px;
    width: 100%;
  }
}

/* Cookie Preferences Modal */
.cookie-modal {
  position: fixed;
  inset: 0;
  background: rgba(41,51,112,0.93);
  z-index: 11000;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: modalIn .39s;
}
@keyframes modalIn {
  0% { opacity: 0; transform: scale(0.95); }
  100% { opacity: 1; transform: scale(1); }
}
.cookie-modal-content {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 6px 30px 0 rgba(41,51,112,0.12);
  padding: 34px 26px 28px 26px;
  min-width: 280px;
  max-width: 96vw;
  width: 420px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: relative;
}
.cookie-modal-close {
  position: absolute;
  top: 10px; right: 12px;
  background: #F6F9FB;
  color: #293370;
  border: none;
  font-size: 1.3rem;
  border-radius: 7px;
  padding: 2px 10px 1px 10px;
  cursor: pointer;
  transition: background .19s, color .19s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: #D97B45;
  color: #fff;
}
.cookie-category {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  padding: 8px 0 10px 0;
  font-size: 1.06rem;
  border-bottom: 1px solid #F6F9FB;
}
.cookie-category:last-child{ border-bottom: none; }
.cookie-category label {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: #293370;
}
.toggle-switch {
  display: inline-block;
  position: relative;
  width: 44px;
  height: 24px;
}
.toggle-switch input {
  opacity: 0;
  width: 0;
  height: 0;
}
.toggle-slider {
  position: absolute;
  cursor: pointer;
  background-color: #F6F9FB;
  border: 1px solid #293370;
  border-radius: 12px;
  top: 0; left: 0; right: 0; bottom: 0;
  transition: background .18s;
}
.toggle-slider:before {
  position: absolute;
  content: "";
  height: 18px;
  width: 18px;
  left: 2px;
  bottom: 2px;
  background-color: #fff;
  border-radius: 50%;
  transition: .25s;
  border: 1.5px solid #293370;
}
.toggle-switch input:checked + .toggle-slider {
  background-color: #D97B45;
  border: 1px solid #D97B45;
}
.toggle-switch input:checked + .toggle-slider:before {
  transform: translateX(20px);
  border-color: #D97B45;
}
.toggle-switch input:disabled + .toggle-slider {
  background: #C8CCD1;
  border-color: #C8CCD1;
}
.toggle-switch input:disabled + .toggle-slider:before {
  background: #C8CCD1;
  border-color: #C8CCD1;
}

/* =========================
   12. GEOMETRIC ACCENTS & DETAILS
=============================*/
/* Add geometric shapes as backgrounds */
.section::before, .features::before, .about::before {
  content: '';
  position: absolute;
  top: -30px; left: -38px;
  width: 90px; height: 90px;
  background: rgba(41,51,112,0.045);
  border-radius: 18px 0 30px 0;
  z-index: 0;
  pointer-events: none;
  transform: rotate(-14deg);
}

@media (max-width: 768px) {
  .section::before, .features::before, .about::before,
  .section::after, .features::after, .about::after {
    width: 42px;
    height: 42px;
    top: -15px; left: -19px;
    bottom: -11px; right: -12px;
  }
}

/* =========================
   13. MICRO-INTERACTIONS & HOVER SHADOWS
=============================*/
.card, .feature-item, .service-item, .testimonial-card, .article-item {
  transition: box-shadow .18s, transform .16s, border-color .15s, border-left-color .18s;
}
.card:hover, .feature-item:hover, .service-item:hover, .testimonial-card:hover, .article-item:hover,
.card:focus-within, .feature-item:focus-within, .service-item:focus-within, .testimonial-card:focus-within, .article-item:focus-within {
  box-shadow: 0 8px 40px 0 rgba(217,123,69,0.10);
  transform: translateY(-2px) scale(1.015);
}
.button-primary, .button-secondary {
  transition: background .19s, color .15s, box-shadow .19s, border .16s, transform .1s;
}
.button-primary:active, .button-secondary:active {
  transform: scale(.97);
}

/* =========================
   14. ACCESSIBILITY & HIGHLIGHTS
=============================*/
:focus {
  outline: 2px solid #D97B45;
  outline-offset: 2px;
}
::-webkit-input-placeholder { color: #8D96B0; }
::-moz-placeholder { color: #8D96B0; }
:-ms-input-placeholder { color: #8D96B0; }
::placeholder { color: #8D96B0; }

/* =========================
   15. PRINT FRIENDLY
=============================*/
@media print {
  * { background: #fff !important; color: #000 !important; box-shadow: none !important; }
  .main-nav, .mobile-menu, .footer-nav, .footer-social, .footer-newsletter, .cookie-banner, .cookie-modal { display: none !important; }
}

/* ===============
  END OF FILE
=============== */