/* RESET & BASELINE */
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 {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
}
body {
  background-color: #20232A;
  color: #F2F5F7;
  font-family: 'Roboto', Arial, sans-serif;
  line-height: 1.7;
  font-size: 16px;
  min-height: 100vh;
}
img {
  max-width: 100%;
  display: block;
}
a {
  color: #DCA112;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover,
a:focus {
  color: #F2F5F7;
  outline: none;
}
ul, ol {
  margin-left: 24px;
}
li {
  margin-bottom: 8px;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  color: #F2F5F7;
  margin-bottom: 16px;
  font-weight: 700;
  letter-spacing: 0.5px;
}
h1 {
  font-size: 2.4rem;
  line-height: 1.1;
  margin-bottom: 24px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.2rem;
  margin-bottom: 14px;
}
h4 {
  font-size: 1.1rem;
  margin-bottom: 12px;
}
.subheadline {
  font-size: 1.15rem;
  color: #DCA112;
  font-weight: 500;
  margin-bottom: 18px;
}
strong {
  color: #DCA112;
  font-weight: 700;
}

.text-section {
  margin-bottom: 24px;
}
.text-section ul {
  margin-left: 20px;
}
.text-section h3 {
  color: #DCA112;
  font-size: 1rem;
  margin-top: 18px;
}

blockquote {
  quotes: "\201C" "\201D";
  font-style: italic;
  margin-bottom: 12px;
  color: #263653;
}

/* LAYOUT CONTAINERS */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding-left: 20px;
  padding-right: 20px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: rgba(38,54,83, 0.95);
  border-radius: 18px;
  box-shadow: 0 6px 24px rgba(20,20,28,0.11);
  border: 1px solid #242D3D;
}
.section:last-child {
  margin-bottom: 32px;
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 24px;
}

.card {
  background: #232A36;
  border-radius: 14px;
  box-shadow: 0 4px 18px rgba(16,19,23, 0.12);
  margin-bottom: 20px;
  position: relative;
  padding: 28px 24px;
  flex: 1 1 320px;
  min-width: 275px;
  transition: box-shadow 0.22s, transform 0.22s;
  border: 1.5px solid #323F53;
}
.card:hover {
  box-shadow: 0 8px 28px 3px #1A202B, 0 1.5px 4px 0 #DCA112;
  border-color: #DCA112;
  transform: translateY(-4px) scale(1.015);
  z-index: 2;
}

.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;
}

.feature-grid, .benefit-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
  align-items: stretch;
}
.feature-grid > div, .benefit-grid > div {
  background: #232A36;
  border: 1.5px solid #353F52;
  border-radius: 14px;
  padding: 24px 18px;
  flex: 1 1 220px;
  min-width: 200px;
  box-shadow: 0 2px 10px rgba(30,35,41,0.09);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.22s, border 0.22s;
}
.feature-grid > div:hover, .benefit-grid > div:hover {
  box-shadow: 0 6px 18px 2px #161C27, 0 1.5px 4px 0 #DCA112;
  border-color: #DCA112;
}
.feature-grid img, .benefit-grid img {
  width: 38px;
  height: 38px;
  margin-bottom: 12px;
  filter: grayscale(40%) brightness(0.9) contrast(1.2);
}
.feature-grid h3, .benefit-grid h4 {
  color: #F2F5F7;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1.1rem;
  margin-bottom: 7px;
}
.feature-grid p, .benefit-grid p {
  color: #C6C6CB;
  font-size: 0.99rem;
}

.step-list, .document-list, .value-list {
  list-style-type: none;
  padding-left: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-bottom: 24px;
}
.step-list li, .document-list li, .value-list li {
  background: #222831;
  border-radius: 12px;
  border: 1.5px solid #313A43;
  color: #F2F5F7;
  padding: 20px 16px 16px 16px;
  min-width: 165px;
  display: flex;
  align-items: center;
  gap: 13px;
  font-size: 1rem;
  transition: border 0.18s, box-shadow 0.18s;
}
.step-list li img, .document-list li img {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
}
.step-list li:hover, .document-list li:hover, .value-list li:hover {
  border-color: #DCA112;
  box-shadow: 0 1.5px 7px 0 #DCA112;
}

.timeline {
  background: #242D3D;
  border-radius: 14px;
  padding: 28px 18px;
  margin-bottom: 24px;
  border: 1.5px solid #263653;
  color: #F2F5F7;
}
.timeline h2 {
  margin-bottom: 16px;
}
.timeline ul {
  margin-left: 18px;
}

.document-links ul {
  margin-left: 0;
  list-style: none;
}
.document-links ul li {
  margin-bottom: 10px;
}

/**** TESTIMONIALS ****/
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: #F2F5F7;
  color: #232A36;
  border-radius: 14px;
  box-shadow: 0 2px 14px rgba(36,44,59,0.11);
  margin-bottom: 24px;
  border: 1.5px solid #DCA112;
  flex: 1 1 320px;
  position: relative;
}
.testimonial-card blockquote {
  color: #263653;
  font-size: 1.04rem;
  font-style: italic;
  margin: 0;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
}
.testimonial-card span {
  color: #DCA112;
  font-weight: 600;
  font-size: 0.93rem;
  margin-left: 16px;
}

/**** BUTTONS & CTAs ****/
.cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(90deg, #DCA112 57%, #B18738 100%);
  color: #232A36;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  border: none;
  border-radius: 24px;
  padding: 13px 36px;
  margin-top: 8px;
  margin-bottom: 8px;
  cursor: pointer;
  box-shadow: 0 2.5px 14px rgba(220,161,18, 0.12), 0 0.5px 2px 0 #B18738;
  transition: background 0.18s, color 0.15s, box-shadow 0.18s, transform 0.16s;
  letter-spacing: 0.08em;
}
.cta-btn:hover, .cta-btn:focus {
  background: linear-gradient(90deg, #B18738 30%, #DCA112 100%);
  color: #232A36;
  box-shadow: 0 5px 30px rgba(220,161,18,0.22);
  transform: scale(1.027);
  outline: none;
}

button, .btn {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  border-radius: 22px;
  cursor: pointer;
  border: none;
  background: #232A36;
  color: #F2F5F7;
  padding: 12px 28px;
  transition: background 0.18s, color 0.18s, box-shadow 0.21s, transform 0.16s;
}
button:hover, .btn:hover, button:focus, .btn:focus {
  background: #263653;
  color: #DCA112;
  box-shadow: 0 2.5px 8px #DCA11299;
  transform: scale(1.04);
  outline: none;
}

/**** HEADER ****/
header {
  background: #232A36;
  width: 100%;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px #161B2366;
}
header .container {
  height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
header nav {
  display: flex;
  align-items: center;
  gap: 22px;
}
header nav a {
  color: #F2F5F7;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  transition: color 0.16s, font-weight 0.16s;
  padding: 8px 0;
}
header nav a:hover,
header nav a:focus {
  color: #DCA112;
  font-weight: 700;
  outline: none;
}
header .cta-btn {
  margin-left: 18px;
}
header img {
  height: 42px;
  width: auto;
}

.mobile-menu-toggle {
  display: none;
  background: none;
  color: #DCA112;
  font-size: 2.1rem;
  border: none;
  margin-left: 18px;
  cursor: pointer;
  z-index: 120;
  outline: none;
  transition: color 0.2s;
}
.mobile-menu-toggle:hover,
.mobile-menu-toggle:focus {
  color: #F2F5F7;
}

/**** MOBILE NAVIGATION ****/
.mobile-menu {
  display: none;
  position: fixed;
  left: 0;
  top: 0;
  width: 100vw;
  height: 100vh;
  background: #20232AFF;
  transition: transform 0.35s cubic-bezier(.58,1.02,.33,1);
  transform: translateX(100%);
  z-index: 9999;
  flex-direction: column;
  align-items: flex-start;
  justify-content: start;
  padding: 0;
}
.mobile-menu.open {
  display: flex;
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  background: none;
  color: #DCA112;
  font-size: 2.8rem;
  margin: 22px 26px 10px 0;
  border: none;
  padding: 0;
  cursor: pointer;
  transition: color 0.16s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  color: #FFF;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  width: 100%;
  align-items: center;
  margin-top: 38px;
  gap: 17px;
}
.mobile-nav a {
  color: #F2F5F7;
  font-size: 1.18rem;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  padding: 16px 0;
  width: 80%;
  text-align: center;
  border-radius: 10px;
  transition: background 0.15s, color 0.15s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: #DCA112;
  color: #232A36;
  outline: none;
}

/**** MAIN LAYOUT & BREATHING SPACE ****/
main {
  min-height: 60vh;
}

/**** FOOTER ****/
footer {
  background: #232A36;
  color: #C6C6CB;
  border-top: 2.5px solid #263653;
  padding: 38px 0 22px 0;
  margin-top: 50px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  gap: 26px;
  justify-content: space-between;
  align-items: flex-start;
}
footer nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
footer nav a {
  color: #C6C6CB;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  margin-bottom: 0;
}
footer nav a:hover, footer nav a:focus {
  color: #DCA112;
  outline: none;
}
footer img {
  height: 38px;
}
footer .text-section {
  font-size: 0.99rem;
  margin-bottom: 0;
}

/**** ACCORDION (FAQ) ****/
.accordion {
  border-radius: 10px;
  border: 1.5px solid #263653;
  margin-bottom: 12px;
  background: #232A36;
  box-shadow: 0 1.5px 7px 0 rgba(16,19,23,0.08);
  transition: box-shadow 0.15s, border 0.16s;
}
.accordion h3 {
  font-size: 1.12rem;
  cursor: pointer;
  padding: 18px 20px 12px 20px;
  position: relative;
  color: #DCA112;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
}
.accordion .panel {
  padding: 0 20px 16px 20px;
  color: #C6C6CB;
  display: none;
}
.accordion.active {
  border-color: #DCA112;
  box-shadow: 0 2px 14px #DCA11222;
}
.accordion.active h3 {
  color: #F2F5F7;
}
.accordion.active .panel {
  display: block;
}

/**** TABLES, MODALS, SPECIALS ****/
table {
  width: 100%;
  border-spacing: 0;
  margin-bottom: 18px;
  background: #1E2531;
  border-radius: 13px;
}
th, td {
  padding: 14px 12px;
  text-align: left;
}
th {
  background: #232A36;
  color: #DCA112;
  border-bottom: 1.5px solid #263653;
}
td {
  color: #F2F5F7;
  border-bottom: 1px solid #242D3D;
}

/**** COOKIE CONSENT BANNER ****/
#cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 7000;
  background: #232A36;
  color: #F2F5F7;
  width: 100vw;
  box-shadow: 0 -4px 24px rgba(38,54,83,0.22);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 30px;
  animation: slideUpCookie 0.52s cubic-bezier(.4,.8,.4,1.07) forwards;
  font-size: 1rem;
  flex-wrap: wrap;
  gap: 12px;
}
 
#cookie-banner .cookie-btns {
  display: flex;
  gap: 13px;
  flex-wrap: wrap;
}
.cookie-btn {
  outline: none;
  border: none;
  border-radius: 14px;
  background: #263653;
  color: #DCA112;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 10px 28px;
  font-size: 1rem;
  margin: 0;
  cursor: pointer;
  box-shadow: 0 1px 6px #191F29;
  transition: background 0.14s, color 0.14s, box-shadow 0.18s, transform 0.17s;
}
.cookie-btn.accept {
  background: #DCA112;
  color: #232A36;
}
.cookie-btn.accept:hover, .cookie-btn.accept:focus {
  background: #B18738;
  color: #F2F5F7;
}
.cookie-btn.reject {
  background: #20232A;
  color: #DCA112;
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #191F29;
  color: #F2F5F7;
}
.cookie-btn.settings {
  background: transparent;
  color: #F2F5F7;
  border: 1.5px solid #DCA112;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: #232A36;
  color: #DCA112;
}

/**** COOKIE PREFERENCES MODAL ****/
#cookie-modal {
  display: none;
  position: fixed;
  left: 0;
  top: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(30,30,40,0.88);
  z-index: 8000;
  align-items: center;
  justify-content: center;
}
#cookie-modal.open {
  display: flex;
}
.cookie-modal-content {
  background: #232A36;
  border-radius: 20px;
  box-shadow: 0 8px 40px #1A202Bbb;
  color: #F2F5F7;
  padding: 40px 28px 26px 28px;
  max-width: 450px;
  width: 94vw;
  animation: showModal 0.35s cubic-bezier(.6,1.1,.37,1) forwards;
}
 
.cookie-modal-content h2 {
  color: #DCA112;
  font-size: 1.25rem;
  margin-bottom: 16px;
}
.cookie-preferences {
  display: flex;
  flex-direction: column;
  gap: 17px;
  margin-bottom: 16px;
}
.cookie-preference-item {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 12px 0;
}
.cookie-preference-item label {
  flex: 1;
  font-size: 1.08rem;
  color: #F2F5F7;
}
.cookie-preference-item input[type="checkbox"] {
  width: 22px;
  height: 22px;
  accent-color: #DCA112;
}
.cookie-preference-item input[disabled] {
  accent-color: #DCA112;
}
.cookie-modal-btns {
  display: flex;
  gap: 13px;
  justify-content: flex-end;
}

/**** MISCELLANEOUS & MICRO-INTERACTIONS ****/
::-webkit-scrollbar {
  width: 10px;
  background: #232A36;
}
::-webkit-scrollbar-thumb {
  background: #263653;
  border-radius: 6px;
}
::-webkit-input-placeholder { color: #7C8295; }
::-moz-placeholder { color: #7C8295; }
:-ms-input-placeholder { color: #7C8295; }
::placeholder { color: #7C8295; }

/**** RESPONSIVE DESIGN (MOBILE-FIRST APPROACH) ****/
@media (max-width: 1024px) {
  .container {
    max-width: 93vw;
    padding-left: 14px;
    padding-right: 14px;
  }
  header .container {
    gap: 10px;
  }
  .feature-grid, .benefit-grid {
    gap: 14px;
  }
}

@media (max-width: 900px) {
  .container {
    max-width: 96vw;
  }
  .section {
    padding: 24px 7vw;
  }
  .feature-grid > div, .benefit-grid > div {
    min-width: 140px;
    padding: 18px 10px;
  }
}

@media (max-width: 768px) {
  h1 {
    font-size: 1.62rem;
  }
  h2 {
    font-size: 1.27rem;
  }
  .section {
    margin-bottom: 32px;
    padding: 18px 6vw;
  }
  .content-wrapper {
    gap: 14px;
  }
  .feature-grid, .benefit-grid, .card-container, .content-grid, .step-list {
    flex-direction: column;
    gap: 16px;
  }
  .testimonial-card, .card {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
  .testimonial-card {
    padding: 16px 10px;
    font-size: .98rem;
  }
  header nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  footer .container {
    flex-direction: column;
    gap: 16px;
    align-items: flex-start;
  }
  #cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 9vw;
    font-size: 0.96rem;
  }
}
@media (max-width: 520px) {
  .section {
    padding: 10px 2vw;
    border-radius: 10px;
  }
  .card {
    padding: 13px 6px;
    border-radius: 9px;
    min-width: 120px;
  }
  .feature-grid > div, .benefit-grid > div 
  { padding: 12px 3px;
    border-radius: 8px; }
  .content-wrapper {
    gap: 10px;
  }
  h1 {
    font-size: 1.22rem;
  }
}

/**** FLEXBOX UTILITY CLASSES ****/
.align-center {
  display: flex;
  align-items: center;
  justify-content: center;
}
.justify-between {
  display: flex;
  justify-content: space-between;
}
.d-flex {
  display: flex;
}
.flex-wrap {
  flex-wrap: wrap;
}
.gap-20 { gap: 20px; }
.gap-24 { gap: 24px; }
.mt-20 { margin-top: 20px; }
.mb-20 { margin-bottom: 20px; }

/********** CUSTOM FONT IMPORTS **********/
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700&family=Roboto:wght@400;500;700&display=swap');