/* 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 {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
}

body {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  background: #F7F8F9;
  color: #233852;
  font-size: 16px;
  line-height: 1.7;
  min-height: 100vh;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: #233852;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #FFB300;
}

ul, ol {
  margin-left: 24px;
  margin-bottom: 1em;
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  outline: none;
}

hr {
  border: none;
  border-top: 1px solid #e6e8ec;
  margin: 24px 0;
}

/* TYPOGRAPHY -------------------- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #233852;
  margin-bottom: 18px;
  line-height: 1.13;
}
h1 {
  font-size: 2.7rem;
  margin-bottom: 20px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 16px;
}
h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 10px;
}

p, li, span {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  color: #233852;
  font-size: 1rem;
}
strong, b {
  font-weight: 700;
}
.text-section h3 {
  margin-top: 20px;
}

/* CONTAINER -------------------- */
.container {
  max-width: 1140px;
  width: 100%;
  margin: 0 auto;
  padding: 0 18px;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

/* HEADER -------------------- */
header {
  background: linear-gradient(90deg, #233852 0%, #496597 100%);
  padding: 0;
  box-shadow: 0 2px 8px rgba(35,56,82,0.04);
  position: relative;
  z-index: 119;
}
header .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}
.logo img {
  height: 40px;
  width: auto;
  display: block;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #F7F8F9;
  padding: 9px 0;
  transition: color 0.18s;
  position: relative;
}
.main-nav a:hover, .main-nav a:focus {
  color: #FFB300;
}

.cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(90deg, #FFB300 0%, #FFCC52 100%);
  color: #233852;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  font-size: 1rem;
  border-radius: 24px;
  padding: 13px 30px;
  box-shadow: 0 2px 8px rgba(255,179,0,0.1);
  border: none;
  transition: background 0.25s, box-shadow 0.2s, color 0.2s, transform 0.15s;
  cursor: pointer;
  margin-left: 18px;
  text-align: center;
}
.cta-btn:hover, .cta-btn:focus {
  background: linear-gradient(90deg, #FFD45D 0%, #FFB300 100%);
  color: #1a2852;
  box-shadow: 0 4px 16px rgba(255,179,0,0.13);
  transform: translateY(-2px) scale(1.04);
}

/* MOBILE MENU -------------------- */
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2.2rem;
  color: #F7F8F9;
  padding: 6px 16px;
  cursor: pointer;
  z-index: 121;
  transition: color 0.18s;
  position: absolute;
  right: 18px;
  top: 18px;
}
.mobile-menu-toggle:focus {
  color: #FFB300;
  outline: 2px solid #FFB300;
}

.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: linear-gradient(120deg, #233852 80%, #FFB300 100%);
  box-shadow: 0 8px 32px rgba(35,56,82,0.10);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  transform: translateX(-100%);
  transition: transform 0.35s cubic-bezier(.7,0,.3,1);
  z-index: 200;
  opacity: 1;
}
.mobile-menu.open {
  transform: translateX(0);
  box-shadow: 0 0 0 100vw rgba(35,56,82,0.13);
}
.mobile-menu-close {
  background: none;
  border: none;
  font-size: 2rem;
  color: #F7F8F9;
  margin: 24px 0 28px 20px;
  cursor: pointer;
  transition: color 0.18s;
  align-self: flex-start;
}
.mobile-menu-close:focus {
  color: #FFB300;
  outline: 2px solid #FFB300;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding: 0 0 0 32px;
  width: 100%;
}
.mobile-nav a {
  font-size: 1.19rem;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #F7F8F9;
  font-weight: 600;
  padding: 10px 0;
  border-radius: 4px;
  transition: color 0.2s, background 0.18s;
}
.mobile-nav a:focus, .mobile-nav a:hover {
  background: #FFB300;
  color: #233852;
}

@media (max-width: 1100px) {
  .main-nav {
    gap: 16px;
  }
}
@media (max-width: 900px) {
  .main-nav {
    gap: 10px;
  }
}

@media (max-width: 1024px) {
  header .container {
    height: 65px;
  }
}
@media (max-width: 900px) {
  header .container {
    height: 55px;
  }
}

@media (max-width: 900px) {
  .main-nav, .cta-btn {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 901px) {
  .mobile-menu {
    display: none !important;
  }
}

/* MAIN LAYOUT -------------------- */
main {
  padding-bottom: 48px;
  background: #F7F8F9;
  min-height: 60vh;
}

section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 2px 22px rgba(35,56,82,0.03);
  position: relative;
  z-index: 1;
}

section:first-of-type {
  background: linear-gradient(96deg, #e9ecf2 60%, #fdf6e0 100%);
  box-shadow: 0 6px 34px rgba(35,56,82,0.04);
}

.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 28px;
  align-items: flex-start;
}

.text-section {
  gap: 18px;
}

/* SEARCH BAR -------------------- */
.search-bar {
  display: flex;
  flex-direction: row;
  align-items: center;
  background: #F7F8F9;
  padding: 6px 12px;
  border-radius: 32px;
  margin: 12px 0 0 0;
  box-shadow: 0 1px 6px rgba(35,56,82,0.06);
  gap: 7px;
  min-width: 280px;
}
.search-bar input[type="text"] {
  border: none;
  background: transparent;
  font-size: 1rem;
  color: #233852;
  flex: 1;
  padding: 8px 0px 8px 8px;
  outline: none;
}
.search-bar button {
  background: #FFB300;
  border: none;
  border-radius: 22px;
  padding: 6px 10px;
  cursor: pointer;
  display: flex;
  align-items: center;
  transition: background 0.20s;
}
.search-bar button img {
  width: 22px;
  height: 22px;
}
.search-bar button:hover {
  background: #FFCC52;
}

/* FEATURE GRID --------------------- */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  margin-top: 18px;
  margin-bottom: 18px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #F7F8F9;
  padding: 28px 22px 22px 22px;
  border-radius: 22px;
  box-shadow: 0 2px 12px rgba(35,56,82,0.07);
  min-width: 220px;
  flex: 1 1 240px;
  transition: box-shadow 0.19s, transform 0.18s;
  position: relative;
  min-height: 192px;
}
.feature-item img {
  width: 40px;
  height: 40px;
}
.feature-item h3 {
  font-size: 1.125rem;
  margin-bottom: 7px;
}
.feature-item:hover {
  box-shadow: 0 6px 30px rgba(35,56,82,0.15);
  transform: translateY(-3px) scale(1.02);
}

/* TESTIMONIALS --------------------- */
.testimonial-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 3px 14px rgba(35,56,82,0.10);
  padding: 20px 20px 13px 24px;
  min-width: 260px;
  max-width: 340px;
  flex: 1 1 320px;
}
.testimonial-card p {
  color: #233852;
  font-size: 1.09rem;
  font-style: italic;
}
.testimonial-card span {
  font-size: 0.98rem;
  color: #395073;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 500;
  opacity: 0.88;
}

/* CONTACT DETAILS -------------------------- */
.contact-details {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
  margin: 12px 0 12px 0;
}
.contact-details div {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #F7F8F9;
  padding: 11px 18px;
  border-radius: 14px;
  font-size: 1rem;
  box-shadow: 0 2px 10px rgba(35,56,82,0.06);
}
.contact-details img {
  width: 22px;
  height: 22px;
  display: block;
}

/* CARDS GENERIC ------------------- */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 3px 14px rgba(35,56,82,0.07);
  margin-bottom: 20px;
  position: relative;
  min-width: 260px;
  flex: 1 1 290px;
  transition: box-shadow 0.19s;
}
.card:hover {
  box-shadow: 0 9px 26px rgba(35,56,82,0.12);
  z-index: 3;
}

/* CONTENT GRID & TEXT-IMAGE */
.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;
}

/* VISUAL EFFECTS ------------------ */
section, .feature-item, .cta-btn, .card, .testimonial-card, .search-bar, .contact-details div {
  transition: box-shadow 0.22s, background 0.18s, transform 0.22s, border-color 0.17s;
}
section:hover, .feature-item:hover, .testimonial-card:hover, .card:hover {
  transition: box-shadow 0.20s, transform 0.20s;
}

/* LISTS --------------------- */
.text-section ul, .content-wrapper ul, .content-wrapper ol {
  padding-left: 20px;
  margin-bottom: 14px;
  color: #233852;
  font-size: 1rem;
}
.text-section ul li, .content-wrapper ul li {
  margin-bottom: 7px;
  list-style: disc inside;
}

/* MARKET INSIGHTS SPECIALS */
.market-news-feed {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.trend-charts, .statistical-snapshots {
  background: #F7F8F9;
  border-radius: 14px;
  padding: 18px 15px 12px 16px;
  margin-bottom: 7px;
}
.statistical-snapshots ul {
  margin-bottom: 0;
}

.expert-opinions {
  margin-bottom: 13px;
}

/* FOOTER ----------------------- */
footer {
  background: #233852;
  padding: 36px 0 18px 0;
  color: #F7F8F9;
}
.footer-logo img {
  width: 40px;
  height: 40px;
  display: block;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 20px;
  margin: 18px 0 10px 0;
}
.footer-nav a {
  color: #F7F8F9;
  font-size: 1rem;
  font-weight: 500;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  padding: 5px 0;
  transition: color 0.18s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #FFB300;
}
.footer-contact {
  color: #F7F8F9;
  opacity: 0.88;
  font-size: 0.97rem;
  margin: 7px 0 3px 0;
  letter-spacing: .01em;
}
.footer-copy {
  margin-top: 8px;
  color: #e9ecf2;
  font-size: 0.93rem;
}

/* COOKIE CONSENT BANNER & MODAL ----------- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100%;
  background: #233852;
  color: #fff;
  padding: 20px 32px 18px 32px;
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
  z-index: 9999;
  box-shadow: 0 -6px 32px rgba(35,56,82,0.13);
  opacity: 1;
  transition: transform 0.36s cubic-bezier(0.7,0,0.3,1), opacity 0.25s;
  will-change: transform,opacity;
}
.cookie-banner.hide {
  transform: translateY(140%);
  opacity: 0;
  pointer-events: none;
}
.cookie-banner p {
  margin: 0;
  font-size: 1rem;
  color: #fff;
  flex: 1 1 300px;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 12px;
  align-items: center;
}
.cookie-btn {
  background: #FFB300;
  color: #233852;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  border: none;
  border-radius: 20px;
  padding: 9px 22px;
  font-size: 1rem;
  cursor: pointer;
  transition: background 0.16s, color 0.16s, box-shadow 0.17s;
  box-shadow: 0 2px 8px rgba(255,179,0,0.09);
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #ffca43;
  color: #1a2852;
}
.cookie-btn-reject {
  background: #f7f8f9;
  color: #233852;
  border: 1px solid #ced5df;
  box-shadow: none;
}
.cookie-btn-reject:hover, .cookie-btn-reject:focus {
  background: #e9ecf2;
  color: #233852;
}

.cookie-btn-settings {
  background: transparent;
  color: #FFB300;
  font-weight: 600;
  border: none;
  padding: 8px 12px;
  border-radius: 16px;
  font-size: 1rem;
  transition: background 0.15s, color 0.15s;
}
.cookie-btn-settings:focus, .cookie-btn-settings:hover {
  background: #23385222;
  color: #FFD45D;
}

.cookie-modal {
  position: fixed;
  left: 0;
  top: 0;
  right: 0;
  bottom: 0;
  background: rgba(35,56,82,0.36);
  z-index: 12001;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeIn 0.28s;
}
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal-content {
  background: #fff;
  color: #233852;
  border-radius: 22px;
  max-width: 420px;
  width: 98vw;
  padding: 35px 22px 28px 30px;
  box-shadow: 0 8px 34px rgba(35,56,82,0.18);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 18px;
  animation: popIn 0.25s cubic-bezier(.21,.87,.72,1.03);
}
@keyframes popIn {
  from { transform: scale(0.92); opacity: 0;}
  to { transform: scale(1); opacity: 1;}
}
.cookie-modal-close {
  position: absolute;
  top: 17px; right: 16px;
  background: none;
  border: none;
  font-size: 1.4rem;
  color: #233852;
  cursor: pointer;
}
.cookie-modal-categories {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
}
.cookie-category input[type="checkbox"] {
  accent-color: #FFB300;
  width: 18px;
  height: 18px;
}
.cookie-category.essential input {
  accent-color: #233852;
}
.cookie-category.essential span {
  font-weight: 600;
}

/* MEDIA QUERIES --------------------- */
@media (max-width: 1000px) {
  .container {
    max-width: 98vw;
  }
  .testimonial-card,
  .feature-item,
  .card {
    min-width: 180px;
    max-width: 95vw;
  }
}
@media (max-width: 900px) {
  .feature-grid, .testimonial-grid, .card-container, .content-grid, .contact-details {
    flex-direction: column;
    align-items: stretch;
    gap: 16px;
  }
  .content-wrapper {
    gap: 19px;
  }
  section, section:first-of-type {
    padding: 27px 7px;
    border-radius: 18px;
  }
}
@media (max-width: 768px) {
  h1 {
    font-size: 2rem;
  }
  h2 {
    font-size: 1.35rem;
  }
  .content-wrapper {
    gap: 12px;
  }
  .feature-item, .testimonial-card, .card {
    min-width: 125px;
    padding: 16px 10px 12px 13px;
    border-radius: 15px;
  }
  .testimonial-card, .card {
    max-width: 98vw;
  }
  .search-bar {
    flex-direction: column;
    gap: 7px;
    min-width: 140px;
    width: 100%;
  }
  .container {
    padding: 0 4px;
  }
  .main-nav, .cta-btn {
    display: none;
  }
  .text-image-section {
    flex-direction: column;
    gap: 15px;
  }
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 13px;
    padding: 16px 4vw 13px 4vw;
  }
}
@media (max-width: 520px) {
  h1 { font-size: 1.11rem; }
  .footer-nav { gap: 8px; }
  .card, .feature-item, .testimonial-card { padding: 9px 4px 7px 8px; }
  .footer-contact { font-size: 0.9rem; }
  .footer-copy { font-size: 0.74rem; }
  .cookie-modal-content { padding: 20px 7px 19px 12px; border-radius: 14px; }
}

/* RETURN/THANK-YOU PAGE CTA BUTTON */
.text-section .cta-btn {
  margin-top: 18px;
}

/* Z-INDEX LAYERS FOR MOBILE MENU & COOKIES */
header { z-index: 119; }
.mobile-menu { z-index: 200; }
.cookie-banner { z-index: 9999; }
.cookie-modal { z-index: 12001; }

/* ANIMATIONS & MICRO-INTERACTIONS ----------- */
:root {
  --anim-time: 0.2s;
}
.animated {
  animation-duration: var(--anim-time);
  animation-fill-mode: both;
}
.fadeIn {
  animation-name: fadeIn;
}

/* UTILITY SPACING ------------------------- */
.mt-20 { margin-top: 20px; }
.mb-20 { margin-bottom: 20px; }
.mt-35 { margin-top: 35px; }
.mb-35 { margin-bottom: 35px; }
.mt-50 { margin-top: 50px; }

/* ACCESSIBILITY ---------------------------- */
:focus {
  outline: 2px solid #FFB300;
  outline-offset: 2px;
}

/* END-OF-FILE */