/* ==========================================================
   RESET & BASE TYPOGRAPHY (Normalize + Minimalist Approach)
   ========================================================== */
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 {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-size: 16px;
  background: #fff;
  color: #13294B;
  height: 100%;
}
body {
  min-height: 100vh;
  font-family: 'Roboto', Arial, sans-serif;
  color: #13294B;
  background: #fff;
  font-weight: 400;
  line-height: 1.6;
}
img, svg {
  max-width: 100%;
  display: block;
}
a {
  color: #21A179;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #13294B;
}
ul, ol {
  list-style: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
  color: #13294B;
  background: none;
  border: none;
  outline: none;
}
:focus-visible {
  outline: 2px solid #21A179;
  outline-offset: 2px;
}

/* ================================
   CONTAINER, WRAPPER, SECTIONS
   ================================ */
.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 32px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}

/* ================================
   TYPOGRAPHY (Minimal Hierarchy)
   ================================ */
h1, .h1 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2.5rem;
  font-weight: 700;
  letter-spacing: -0.5px;
  color: #13294B;
  margin-bottom: 16px;
  line-height: 1.15;
}
h2, .h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2rem;
  font-weight: 600;
  color: #13294B;
  margin-bottom: 10px;
  line-height: 1.22;
}
h3, .h3 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.25rem;
  font-weight: 500;
  color: #13294B;
  margin-bottom: 8px;
  line-height: 1.22;
}
h4, .h4 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #13294B;
  margin-bottom: 6px;
}
p, li, small {
  font-size: 1rem;
  color: #13294B;
}
small {font-size: 0.875rem; color: #67718D;}
strong {font-weight: 600; color: #13294B;}

/* ================================
   HEADER & NAVIGATION
   ================================ */
header {
  background: #fff;
  border-bottom: 1px solid #F1F4F8;
  position: relative;
  z-index: 100;
}
.main-nav {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 16px;
  padding: 20px 0;
  flex-wrap: wrap;
}
.main-nav > a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #13294B;
  background: none;
  border-radius: 4px;
  padding: 8px 12px;
  transition: background 0.15s, color 0.15s;
  margin-right: 4px;
}
.main-nav > a:hover,
.main-nav > a:focus {
  background: #F1F4F8;
  color: #21A179;
}
.main-nav img {
  height: 36px;
  width: auto;
  margin-right: 14px;
  display: block;
}
/* CTA Button in nav */
.cta-primary {
  font-family: 'Montserrat', Arial, sans-serif;
  background: #21A179;
  color: #fff !important;
  border-radius: 24px;
  padding: 8px 20px;
  font-weight: 600;
  margin-left: 12px;
  box-shadow: 0 1px 6px 0 rgba(33,161,121,0.06);
  transition: background 0.18s, color 0.16s, box-shadow 0.18s;
  border: none;
  cursor: pointer;
  outline: none;
  display: inline-block;
}
.cta-primary:hover, .cta-primary:focus {
  background: #15765A;
  color: #fff;
  box-shadow: 0 3px 14px 0 rgba(33,161,121,0.12);
}

/* MOBILE MENU */
.mobile-menu-toggle {
  display: none;
  position: absolute;
  right: 18px;
  top: 22px;
  background: #13294B;
  color: #fff;
  font-size: 2rem;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: none;
  cursor: pointer;
  z-index: 101;
  align-items: center;
  justify-content: center;
  transition: background 0.12s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #21A179;
  color: #fff;
}
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(19, 41, 75, 0.96);
  z-index: 1200;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.36s cubic-bezier(.77,0,.18,1);
  pointer-events: none;
  opacity: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: auto;
  opacity: 1;
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 24px 20px 10px 0;
  background: transparent;
  border: none;
  color: #fff;
  font-size: 2.3rem;
  cursor: pointer;
  padding: 0 8px;
  transition: color 0.13s;
  z-index: 1201;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #21A179;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
  padding: 20px 32px 40px 32px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.25rem;
  font-weight: 500;
  margin-bottom: 8px;
  padding: 10px 0;
  display: block;
  border-radius: 12px;
  transition: background 0.18s, color 0.18s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #21A179;
  color: #fff;
}
@media (max-width: 1024px) {
  .main-nav {
    gap: 10px;
  }
}
@media (max-width: 900px) {
  .main-nav > a:not(:first-child) {
    font-size: 0.98rem;
    padding: 7px 9px;
  }
}
@media (max-width: 870px) {
  .main-nav > a:not(:first-child):not(.cta-primary) {
    display: none;
  }
  .cta-primary {
    margin-left: auto;
  }
}
@media (max-width: 768px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}


/* ===========================================
   HERO & PAGE SECTIONS (Generic + Utility)
   =========================================== */
.hero-section {
  display: flex;
  align-items: center;
  min-height: 330px;
  background: #F1F4F8;
  padding: 60px 0 40px 0;
}
.hero-section .container {
  display: flex;
  align-items: center;
}
.hero-section .content-wrapper {
  gap: 20px;
  align-items: flex-start;
  padding: 0;
}
.hero-section h1 {
  color: #13294B;
}
.hero-section p {
  font-size: 1.25rem;
  color: #13294B;
  margin-bottom: 4px;
}
.hero-section .cta-primary {
  margin-top: 8px;
}

.section:not(.hero-section) {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 3px 18px 0 rgba(19,41,75,0.05);
}

.features-section {
  margin: 0 0 60px 0;
  padding: 0 0 24px 0;
}

.features-section h2 {
  margin-bottom: 22px;
}
.feature-grid, .ebook-list, .blog-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 24px 0 0 0;
}
.feature-grid > div, .ebook-list > div, .blog-list > article {
  flex: 1 1 270px;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px 0 rgba(19,41,75,0.04);
  padding: 32px 20px 20px 20px;
  min-width: 240px;
  min-height: 180px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  transition: box-shadow 0.18s, transform 0.18s;
  position: relative;
  margin-bottom: 20px;
}
.feature-grid > div:hover, .ebook-list > div:hover, .blog-list > article:hover {
  box-shadow: 0 6px 28px 0 rgba(33,161,121,0.10);
  transform: translateY(-4px) scale(1.01);
}
.feature-grid img,
.ebook-list img,
.blog-list img {
  width: 42px;
  height: 42px;
  margin-bottom: 10px;
  filter: grayscale(15%) saturate(0.85);
}

/* Features Grid Responsive */
@media (max-width: 900px) {
  .feature-grid, .ebook-list, .blog-list {
    flex-direction: column;
    gap: 20px;
  }
  .feature-grid > div, .ebook-list > div, .blog-list > article {
    min-width: 0;
    width: 100%;
  }
}


/* Feature icons (index specials) */
.feature-icons {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 22px;
}
.feature-icons > div {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 12px;
  background: #F1F4F8;
  border-radius: 10px;
  padding: 14px 20px;
  min-width: 180px;
  color: #13294B;
  font-size: 1rem;
}
.feature-icons img {
  width: 32px;
  height: 32px;
}
@media (max-width: 600px) {
  .feature-icons {
    flex-direction: column;
    gap: 15px;
  }
  .feature-icons > div {
    width: 100%;
    min-width: 0;
  }
}

/* Chips for filter/sort */
.chip {
  display: inline-block;
  background: #F1F4F8;
  color: #13294B;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 0.95rem;
  padding: 4px 14px;
  border-radius: 16px;
  margin-right: 8px;
  margin-bottom: 7px;
  box-shadow: 0 1.5px 4px 0 rgba(19,41,75,0.05);
}

/* =========================
   CARDS & CONTENT WRAPPERS
   ========================= */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 3px 16px 0 rgba(19,41,75,0.07);
  padding: 28px 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: box-shadow 0.18s, transform 0.13s;
}
.card:hover {
  box-shadow: 0 8px 48px 0 rgba(33,161,121,0.13);
  transform: translateY(-2px) scale(1.015);
}
.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;
    gap: 22px;
    align-items: flex-start;
  }
  .content-grid {
    flex-direction: column;
    gap: 18px;
  }
}

/* ========================
   TESTIMONIALS & REVIEWS
   ======================== */
.testimonials-section {
  margin: 0 0 60px 0;
}
.testimonials-section .testimonial-card {
  background: #fff;
  color: #13294B;
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  border-radius: 12px;
  box-shadow: 0 2px 14px 0 rgba(33,161,121,0.07);
  margin-bottom: 20px;
  min-width: 0;
  font-size: 1.1rem;
  transition: box-shadow 0.17s;
}
.testimonials-section .testimonial-card p {
  margin-bottom: 0;
  color: #13294B;
  line-height: 1.5;
  font-size: 1.1rem;
}
.testimonials-section .testimonial-card span {
  font-size: 1rem;
  color: #21A179;
  font-weight: 500;
}
.rating-summary {
  margin: 32px 0 0 0;
  padding: 26px 20px;
  background: #F1F4F8;
  border-radius: 13px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
  color: #13294B;
}
.rating-summary span {
  color: #21A179;
  font-weight: 700;
  font-size: 1.4em;
}

@media (max-width: 768px) {
  .testimonials-section .testimonial-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 11px;
    font-size: 1rem;
  }
  .rating-summary {
    padding: 20px 10px;
  }
}

/* ========================
   SECTION - ABOUT, FAQ, etc
   ======================== */
.about-preview-section, .contact-quickinfo-section {
  margin-bottom: 60px;
}
.about-preview-section p,
.contact-quickinfo-section p {
  color: #67718D;
}
.about-preview-section .cta-secondary, .contact-quickinfo-section .cta-secondary {
  margin-top: 12px;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 18px;
}

/* FAQ & Steps */
.faq-excerpt {
  margin-top: 24px;
  border-radius: 10px;
  background: #F1F4F8;
  padding: 18px 20px;
}
.faq-excerpt h3 {
  margin-bottom: 12px;
}
.faq-excerpt ul {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding-left: 20px;
}
.service-stepper {
  padding-left: 20px;
  margin-bottom: 18px;
  display: flex;
  flex-direction: column;
  gap: 13px;
}

/* ================== CTA BUTTONS ================== */
.cta-secondary {
  font-family: 'Montserrat', Arial, sans-serif;
  background: #13294B;
  color: #fff !important;
  border-radius: 24px;
  padding: 8px 20px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  display: inline-block;
  transition: background 0.18s, color 0.14s, box-shadow 0.16s;
  margin-top: 6px;
  box-shadow: 0 1.5px 8px 0 rgba(19,41,75,0.08);
}
.cta-secondary:hover, .cta-secondary:focus {
  background: #21A179;
  color: #fff;
  box-shadow: 0 4px 18px 0 rgba(33,161,121,0.15);
}

/* Feature-item (required on some other potential layouts) */
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* =================== BLOG CARDS & LISTS =================== */
.blog-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 30px;
}
.blog-list > article {
  flex: 1 1 300px;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px 0 rgba(19,41,75,0.05);
  padding: 30px 20px 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 13px;
  margin-bottom: 20px;
}
.blog-list > article h3 {
  color: #13294B;
}
.blog-list > article a {
  color: #21A179;
  font-weight: 500;
  transition: color 0.15s;
  margin-top: 8px;
  display: inline-block;
}
.blog-list > article a:hover, .blog-list > article a:focus {
  color: #13294B;
  text-decoration: underline;
}

/* =================== CONTACT / FOOTER SNIPPETS =================== */
.contact-details ul, .contact-snippet ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.contact-details li, .contact-snippet li  {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #13294B;
  font-size: 1rem;
}
.contact-details img, .contact-snippet img {
  width: 22px;
  height: 22px;
  margin-right: 8px;
  filter: grayscale(25%) contrast(120%);
}

.map-embed {
  margin-top: 18px;
  background: #F1F4F8;
  padding: 20px 18px;
  border-radius: 10px;
  font-size: 1.04rem;
  color: #13294B;
}

/* ================================
   FOOTER
   ================================ */
footer {
  background: #fff;
  border-top: 1px solid #F1F4F8;
  padding: 30px 0 20px 0;
  margin-top: 60px;
  font-size: 0.96rem;
}
footer .container {
  padding: 0 20px;
}
footer .content-wrapper {
  display: flex;
  flex-direction: row;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  flex-wrap: wrap;
}
footer img {
  width: 42px;
  height: auto;
  margin-bottom: 14px;
  margin-right: 12px;
}
.footer-nav, .legal-nav {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 7px;
}
.footer-nav a, .legal-nav a {
  color: #13294B;
  padding: 3px 0;
  transition: color 0.16s;
}
.footer-nav a:hover, .legal-nav a:hover {
  color: #21A179;
}
.social-links {
  display: flex;
  gap: 18px;
  align-items: center;
}
.social-links a img {
  width: 24px;
  height: 24px;
  filter: grayscale(25%) brightness(0.75);
  transition: filter 0.18s;
}
.social-links a:hover img, .social-links a:focus img {
  filter: none;
}
@media (max-width: 900px) {
  footer .content-wrapper {
    flex-direction: column;
    gap: 24px;
    align-items: flex-start;
  }
}

/* ==================== COOKIES BANNER & PRIVACY MODAL ==================== */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: #fff;
  box-shadow: 0 -3px 18px 0 rgba(19,41,75,0.12);
  padding: 18px 20px;
  z-index: 2000;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  transition: transform 0.3s, opacity 0.3s;
  opacity: 1;
  transform: translateY(0);
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
  transform: translateY(100%);
}
.cookie-banner .cookie-banner-content {
  max-width: 600px;
  font-size: 1rem;
  color: #13294B;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  padding: 6px 20px;
  border-radius: 21px;
  border: none;
  cursor: pointer;
  transition: background 0.17s, color 0.17s, box-shadow 0.16s;
  font-weight: 600;
  margin-bottom: 3px;
}
.cookie-btn.accept {
  background: #21A179;
  color: #fff;
  box-shadow: 0 1.5px 8px 0 rgba(33,161,121,0.08);
}
.cookie-btn.accept:hover, .cookie-btn.accept:focus {
  background: #15765a;
}
.cookie-btn.reject {
  background: #F1F4F8;
  color: #13294B;
  box-shadow: 0 1.5px 8px 0 rgba(19,41,75,0.06);
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #E0E6ED;
}
.cookie-btn.settings {
  background: transparent;
  color: #21A179;
  border: 1px solid #21A179;
  box-shadow: none;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: #F1F4F8;
}

/* ==================== Cookie Settings Modal ==================== */
.cookie-modal-overlay {
  position: fixed;
  z-index: 3000;
  inset: 0;
  background: rgba(19,41,75,0.64);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0.25s;
}
.cookie-modal-overlay.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 10px 34px 0 rgba(19,41,75,0.15);
  min-width: 320px;
  max-width: 440px;
  width: 90%;
  padding: 30px 22px 20px 22px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: relative;
  animation: fadeInModal 0.38s cubic-bezier(.45,0,.25,1);
}
@keyframes fadeInModal {
  from { opacity: 0; transform: translateY(30px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.cookie-modal-header {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
}
.cookie-modal-title {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.18rem;
  font-weight: 600;
}
.cookie-modal-close {
  background: transparent;
  color: #13294B;
  font-size: 1.40rem;
  border: none;
  cursor: pointer;
  line-height: 1;
  border-radius: 6px;
  padding: 2px 10px;
  transition: background 0.11s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: #F1F4F8;
  color: #21A179;
}
.cookie-category {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid #F1F4F8;
}
.cookie-category:last-child {
  border-bottom: none;
}
.cookie-category-title {
  font-weight: 500;
  font-size: 1.04rem;
}
.cookie-toggle {
  display: flex;
  align-items: center;
  gap: 8px;
}
.cookie-toggle input[type='checkbox'] {
  accent-color: #21A179;
  width: 22px;
  height: 22px;
}
.cookie-toggle[aria-disabled='true'] {
  opacity: 0.65;
  cursor: not-allowed;
}

.cookie-modal-actions {
  display: flex;
  gap: 15px;
  margin-top: 12px;
}

@media (max-width: 600px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
    padding: 12px 10px;
  }
  .cookie-banner .cookie-banner-content {
    max-width: 100%;
  }
}

/* ===================== RESPONSIVE ====================== */
@media (max-width: 900px) {
  h1, .h1 {font-size: 2rem;}
  h2, .h2 {font-size: 1.4rem;}
  .hero-section {min-height: 230px; padding: 50px 0 28px 0;}
  .feature-grid > div, .ebook-list > div, .blog-list > article {padding: 22px 10px;}
}
@media (max-width: 600px) {
  html {font-size: 15px;}
  .container {padding: 0 8px;}
  .section, .about-preview-section, .contact-quickinfo-section {padding: 22px 6px;}
  .feature-grid > div, .ebook-list > div, .blog-list > article {min-height: 110px;}
  .hero-section {padding: 36px 0 12px 0;}
  footer {padding: 14px 0 10px 0; font-size: 0.94rem;}
}

/* ===================== ANIMATIONS / TRANSITIONS ====================== */
h1, h2, h3, h4, h5, h6, .cta-primary, .cta-secondary, .card, .feature-grid > div {
  transition: color 0.17s, background 0.2s, box-shadow 0.17s, transform 0.14s;
}

/**** UTILITY CLASSES ****/
.mb-0   { margin-bottom: 0 !important; }
.mb-8   { margin-bottom: 8px !important; }
.mb-16  { margin-bottom: 16px !important; }
.mb-20  { margin-bottom: 20px !important; }
.mb-24  { margin-bottom: 24px !important; }
.mb-40  { margin-bottom: 40px !important; }
.mt-20  { margin-top: 20px !important; }
.py-20  { padding-top: 20px !important; padding-bottom: 20px !important; }
.gap-20 { gap: 20px !important; }

/**** END OF CSS ****/