/* RESET & NORMALIZE */
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,caption,tbody,tfoot,thead,tr,th,td,article,aside,canvas,details,embed,figure,figcaption,footer,header,hgroup,main,menu,nav,output,ruby,section,summary,time,mark,audio,video {
  margin: 0;
  padding: 0;
  border: 0;
  font-size: 100%;
  font: inherit;
  box-sizing: border-box;
  vertical-align: baseline;
}
html {
  line-height: 1.15; /* 1 */
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}
article,aside,details,figcaption,figure,footer,header,hgroup,main,menu,nav,section {
  display: block;
}
body {
  background: #F2F5F7;
  color: #162144;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  min-height: 100vh;
}
img {
  max-width: 100%;
  display: block;
}
ul,ol {
  list-style: none;
}
a {
  color: #1F3A93;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #27AE60;
  outline: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  outline: none;
}
:focus-visible { outline: 2px solid #1F3A93; }

/* TYPOGRAPHY */
h1, .hero h1 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 2.8rem;
  font-weight: 700;
  color: #1F3A93;
  margin-bottom: 20px;
  letter-spacing: -0.01em;
}
h2 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 2rem;
  font-weight: 600;
  color: #162144;
  margin-bottom: 20px;
}
h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: #1F3A93;
  margin-bottom: 10px;
}
h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #162144;
}
p, .subheadline {
  font-family: 'Roboto', Arial, sans-serif;
  color: #262e47;
  font-size: 1rem;
  margin-bottom: 16px;
}
.subheadline {
  font-size: 1.18rem;
  font-weight: 400;
  color: #304477;
}
strong {
  font-weight: 600;
}

/* SPACING UTILITY */
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
}

/* HEADER */
header {
  background: linear-gradient(90deg, #1F3A93 0%, #27AE60 100%);
  padding: 0 0 0 0;
  box-shadow: 0 2px 10px 0 rgba(31,58,147,0.08);
}
header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  height: 72px;
}
header a img {
  height: 46px;
  margin-left: 16px;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.main-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  letter-spacing: 0.02em;
  font-size: 1rem;
  padding: 8px 6px;
  border-radius: 6px;
  transition: background 0.18s, color 0.2s;
}
.main-nav a:hover, .main-nav a:focus {
  background: #F2F5F7;
  color: #27AE60;
}
.mobile-menu-toggle {
  display: none;
  border: none;
  background: none;
  color: #fff;
  font-size: 2rem;
  margin-right: 16px;
  cursor: pointer;
  z-index: 101;
}

/* MOBILE MENU */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(31,58,147,0.95);
  transform: translateX(-100%);
  transition: transform 0.35s cubic-bezier(.85,0,.22,1);
  z-index: 1001;
  display: flex;
  flex-direction: column;
  padding: 0;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  margin: 24px 28px 0 0;
  border: none;
  background: none;
  color: #fff;
  font-size: 2.2rem;
  cursor: pointer;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin: 60px 0 0 0;
  align-items: flex-start;
  padding: 0 40px;
}
.mobile-nav a {
  color: #fff;
  text-decoration: none;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.35rem;
  font-weight: 500;
  padding: 10px 0;
  border-radius: 6px;
  transition: background 0.18s, color 0.2s;
  min-width: 160px;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #27AE60;
  color: #fff;
}

@media (max-width: 1024px) {
  .main-nav {
    gap: 16px;
    font-size: 0.94rem;
  }
  .container {
    max-width: 960px;
  }
}
@media (max-width: 900px) {
  header {
    flex-direction: row;
    gap: 0;
    height: 64px;
  }
  .main-nav {
    gap: 9px;
    font-size: 0.91rem;
  }
}
@media (max-width: 850px) {
  .main-nav {
    display: none !important;
  }
  .mobile-menu-toggle {
    display: block;
  }
}

/* HERO SECTION */
.hero {
  background: linear-gradient(90deg, #F2F5F7 30%, #d7e3fa 100%);
  padding: 72px 0 56px 0;
  display: flex;
  align-items: center;
  min-height: 340px;
  box-shadow: 0 5px 18px 0 rgba(31,58,147,0.09);
}
.hero .container {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.hero .content-wrapper {
  align-items: center;
  gap: 18px;
}
.hero h1 {
  color: #1F3A93;
  text-align: center;
}
@media (max-width: 768px) {
  .hero { padding: 50px 0 32px 0; min-height: 200px; }
  .hero h1 { font-size: 2.1rem; }
  .container { padding: 0 7px; }
  .section { padding: 28px 6px; }
}

/* BUTTONS */
.button, button, input[type="button"], input[type="submit"] {
  display: inline-block;
  padding: 13px 32px;
  background: linear-gradient(90deg, #1F3A93 28%, #27AE60 100%);
  color: #fff;
  border: none;
  border-radius: 28px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.05em;
  cursor: pointer;
  box-shadow: 0 4px 20px 0 rgba(31,58,147,0.11);
  transition: background 0.23s, box-shadow 0.23s, transform 0.19s;
  margin: 8px 0;
  text-align: center;
}
.button.primary, button.primary {
  background: linear-gradient(90deg, #27AE60 26%, #1F3A93 100%);
}
.button:hover, button:hover, .button:focus, button:focus, input[type="button"]:hover, input[type="submit"]:hover {
  background: #27AE60;
  color: #fff;
  box-shadow: 0 10px 28px 0 rgba(31,58,147,0.13);
  transform: translateY(-1px) scale(1.02);
}

/* FORM FIELDS */
input[type="text"], input[type="email"], input[type="search"], textarea {
  padding: 12px 16px;
  border-radius: 8px;
  border: 1px solid #dedede;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  margin-bottom: 12px;
  background: #fff;
  color: #2a2a2a;
  transition: border-color 0.19s;
  width: 100%;
  box-sizing: border-box;
}
input[type="text"]:focus, input[type="email"]:focus, input[type="search"]:focus, textarea:focus {
  border-color: #1F3A93;
}

.market-search {
  display: flex;
  gap: 20px;
  width: 100%;
  flex-wrap: wrap;
  margin-top: 8px;
  align-items: center;
}
.market-search input {
  flex: 2 1 160px;
  min-width: 160px;
  max-width: 320px;
}
@media (max-width: 560px) {
  .market-search { flex-direction: column; gap: 12px; }
  .market-search input { max-width: 100%; min-width: 0; }
}

/* FLEXBOX LAYOUTS FOR MANDATORY CLASSES */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 18px rgba(31,58,147,0.09);
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 260px;
  transition: box-shadow 0.22s, transform 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 10px 34px 0 rgba(39,174,96,0.13);
  transform: translateY(-2px) scale(1.01);
}
.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;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 2px 11px 0 rgba(31,58,147,0.08);
  margin-bottom: 24px;
  min-width: 260px;
  max-width: 400px;
  color: #1a244b;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* CUSTOM FEATURE GRID */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.feature-grid li,
.value-list .value-item,
.article-list article,
.deal-card, .market-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 4px 18px rgba(31,58,147,0.09);
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-width: 260px;
  margin-bottom: 20px;
  transition: box-shadow 0.22s, transform 0.17s;
}
.feature-grid li:hover,
.value-item:hover, .article-list article:hover, .deal-card:hover, .market-card:hover {
  box-shadow: 0 10px 34px 0 rgba(39,174,96,0.11);
  transform: translateY(-3px) scale(1.01);
}
.feature-grid img, .value-item img {
  height: 48px;
  width: 48px;
}

.value-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.value-item {
  flex: 1 1 320px;
  min-width: 220px;
}

/* DEAL/ARTICLE LIST */
.deal-list,.article-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 24px;
}
.deal-card, .article-list article {
  flex: 1 1 280px;
  min-width: 230px;
}
.deal-card h3, .deal-card p {
  margin: 0;
}

/* TESTIMONIALS */
.testimonials, .testimonial-slider, .testimonial-list {
  display: flex;
  flex-direction: column;
  gap: 36px;
}
.testimonial-slider, .testimonial-list {
  flex-direction: row;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.testimonial-card p {
  color: #1a244b;
  font-size: 1.09rem;
  margin-bottom: 4px;
  text-align: left;
}
.testimonial-card span {
  color: #1F3A93;
  font-size: 0.97rem;
  font-weight: 500;
  align-self: flex-end;
}

/* CALLOUT SECTIONS */
.callout {
  background: linear-gradient(90deg, #e3f6ec 0%, #f8fcfe 100%);
  border-radius: 20px;
  margin: 40px 0 0 0;
  box-shadow: 0 3px 10px 0 rgba(31,58,147,0.07);
  padding: 44px 0 38px 0;
}
.callout .content-wrapper {
  align-items: center;
  text-align: center;
}
.callout .button {
  margin-top: 10px;
}

/* INFO BOXES / ACCORDION */
.info-boxes {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 24px 0;
}
.info-box {
  flex: 1 1 220px;
  background: #1F3A93;
  color: #fff;
  padding: 24px 18px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  gap: 20px;
  min-width: 210px;
  font-size: 1.05rem;
  box-shadow: 0 2px 12px rgba(31,58,147,0.15);
  font-weight: 500;
}
.info-box img {
  width: 36px; height: 36px;
}

.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 24px;
}
.faq-accordion details {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 8px 0 rgba(31,58,147,0.07);
  padding: 18px 20px;
  transition: box-shadow 0.16s;
}
.faq-accordion details[open] {
  box-shadow: 0 6px 18px 0 rgba(39,174,96,0.07);
}
.faq-accordion summary {
  font-weight: 600;
  cursor: pointer;
  color: #1F3A93;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.1rem;
  outline: none;
}
.faq-accordion .text-section {
  margin-top: 13px;
  color: #262e47;
}

/* SPECIAL UTILITIES */
.tips-slider ul, .deal-highlights ul {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 12px;
  justify-content: flex-start;
}
.tips-slider ul li, .deal-highlights ul li {
  background: #fff;
  border-radius: 10px;
  padding: 10px 14px;
  color: #1F3A93;
  font-weight: 500;
  font-size: 0.96rem;
  box-shadow: 0 2px 8px 0 rgba(31,58,147,0.07);
}

.city-list ul {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 8px;
}
.city-list li {
  background: #e3f6ec;
  border-radius: 10px;
  padding: 8px 14px;
  color: #27AE60;
  font-weight: 600;
  font-size: 1rem;
  box-shadow: 0 2px 6px 0 rgba(39,174,96,0.06);
}

/* FOOTER */
footer {
  background: #1F3A93;
  color: #fff;
  padding: 34px 0 0 0;
  margin-top: 60px;
  box-shadow: 0 -4px 14px 0 rgba(31,58,147,0.08);
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 36px;
  justify-content: center;
  align-items: flex-start;
  margin-bottom: 24px;
}
.footer-links nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links nav a {
  color: #fff;
  font-size: 1rem;
  opacity: 0.90;
  margin-bottom: 2px;
  transition: color 0.18s;
}
.footer-links nav a:hover, .footer-links nav a:focus {
  color: #27AE60;
}
.footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  align-items: flex-start;
  margin: 16px 0 16px 0;
  justify-content: center;
}
.contact-block {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  opacity: 0.9;
  font-size: 1rem;
}
.contact-block img {
  width: 22px; height: 22px;
}
.footer-legal {
  margin-top: 18px;
  text-align: center;
  color: #d5e4f6;
  font-size: 0.95rem;
  opacity: 0.6;
}
.footer-legal small, .footer-legal nav a {
  color: #d5e4f6;
  font-size: 0.93rem;
  opacity: 0.9;
}
.footer-legal nav {
  display: flex; gap: 24px; flex-wrap: wrap; justify-content: center; align-items: center; }

@media (max-width: 900px) {
  .footer-links { gap: 24px; }
  .footer-contact { gap: 16px; }
}
@media (max-width: 640px) {
  .footer-links { flex-direction: column; gap: 10px; align-items: flex-start; }
  .footer-contact { flex-direction: column; align-items: flex-start; }
}

/* LEGAL, CONTACT, MISC */
.legal {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 8px rgba(31,58,147,0.07);
  margin: 36px 0;
  padding: 30px 0 24px 0;
}
.legal h1 {
  font-size: 2.3rem;
  margin-bottom: 24px;
}
.legal h2 { font-size: 1.2rem; margin-top: 28px; }

.contact-details ul, .map-overview, .map, .market-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}
.contact-details li {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f7fafb;
  border-radius: 9px;
  padding: 10px 14px;
  font-size: 1rem;
  margin-bottom: 6px;
  color: #1a244b;
}

.map-overview p, .map p {
  color: #262e47;
  background: #f1f6fd;
  border-radius: 10px;
  padding: 14px 16px;
  font-size: 0.98rem;
}

.market-cards {
  gap: 24px;
  display: flex;
  flex-wrap: wrap;
}
.market-card {
  min-width: 240px;
  max-width: 320px;
  color: #2a384e;
  border-left: 5px solid #27AE60;
  background: #fff;
  box-shadow: 0 3px 13px 0 rgba(39,174,96,0.09);
}
.market-card h3 { color: #1F3A93; }
.market-card span {
  color: #27AE60;
  font-size: 0.96rem;
  font-weight: 500;
}

/* Misc */
blockquote {
  background: #e3f6ec;
  border-left: 4px solid #27AE60;
  border-radius: 10px;
  padding: 22px 26px;
  color: #162144;
  font-size: 1.02rem;
  quotes: "\201C" "\201D" "\2018" "\2019";
  margin: 0 0 12px 0;
}
blockquote p {
  margin-bottom: 6px;
  color: #162144;
}
blockquote footer {
  color: #1F3A93;
  font-weight: 500;
  font-size: 0.97rem;
}

/* RESPONSIVE FLEX DIRECTIONS & GAPS */
@media (max-width: 900px) {
  .feature-grid, .value-list, .deal-list, .article-list, .market-cards, .info-boxes, .testimonial-slider, .testimonial-list {
    flex-direction: column;
    gap: 18px;
  }
  .content-grid {
    flex-direction: column;
    gap: 18px;
  }
}
@media (max-width: 670px) {
  .content-wrapper, .feature-grid, .value-list, .deal-list, .article-list, .deal-highlights ul, .tips-slider ul, .footer-links nav {
    gap: 13px !important;
  }
  .card-container, .market-cards, .info-boxes, .testimonial-slider, .testimonial-list {
    gap: 13px;
  }
  .footer-links { margin-bottom: 10px !important; }
}
@media (max-width: 550px) {
  .feature-grid li, .value-item, .deal-card, .market-card {
    min-width: 0;
    width: 100%;
  }
  .testimonial-card { max-width: 100%; }
  .callout { padding: 22px 0 22px 0; }
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
}

/* COOKIE CONSENT BANNER */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0; right: 0;
  width: 100vw;
  background: #fff;
  color: #1F3A93;
  box-shadow: 0 -3px 14px 0 rgba(31,58,147,0.12);
  display: flex;
  flex-direction: column;
  align-items: center;
  z-index: 2222;
  padding: 22px 10px 17px 10px;
  gap: 14px;
  animation: cookieSlideIn 0.58s cubic-bezier(0.63,0,0,1);
}
@keyframes cookieSlideIn {
  from { transform: translateY(100%); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
.cookie-banner p {
  color: #223062;
  font-size: 1rem;
}
.cookie-banner .cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 4px;
  justify-content: center;
}
.cookie-banner button, .cookie-banner .button {
  padding: 9px 26px;
  border-radius: 22px;
  font-size: 1rem;
  font-weight: 600;
  box-shadow: 0 1px 7px rgba(31,58,147,0.09);
  margin: 0 2px;
  background: #1F3A93;
  color: #fff;
  border: none;
  cursor: pointer;
  transition: background 0.18s, color 0.22s;
}
.cookie-banner .button.cookie-reject {
  background: #F2F5F7;
  color: #1F3A93;
}
.cookie-banner .button.cookie-reject:hover, .cookie-banner .button.cookie-reject:focus {
  background: #e9eef2;
  color: #27AE60;
}
.cookie-banner .button.cookie-settings {
  background: #27AE60;
  color: #fff;
}
.cookie-banner .button.cookie-settings:hover, .cookie-banner .button.cookie-settings:focus {
  background: #219e54;
  color: #fff;
}
.cookie-banner .button.cookie-accept {
  background: linear-gradient(90deg, #1F3A93 28%, #27AE60 100%);
}
@media (max-width: 450px) {
  .cookie-banner .cookie-actions {
    flex-direction: column;
    gap: 12px;
  }
}

/* Cookie Modal overlay and animation */
.cookie-modal-overlay {
  position: fixed;
  top:0; left:0; right:0; bottom:0;
  background: rgba(31,58,147,0.33);
  z-index: 2300;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeInModal 0.2s cubic-bezier(.53,0,.18,1);
}
@keyframes fadeInModal {
  from { opacity: 0; }
  to   { opacity: 1; }
}
.cookie-modal {
  background: #fff;
  border-radius: 20px;
  padding: 32px 24px 24px 24px;
  max-width: 420px;
  width: 95%;
  box-shadow: 0 3px 34px rgba(31,58,147,0.13);
  display: flex;
  flex-direction: column;
  gap: 20px;
  animation: modalSlideUp 0.34s cubic-bezier(.53,0,.18,1);
}
@keyframes modalSlideUp {
  from { transform: translateY(48px); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
.cookie-modal h3 {
  color: #1F3A93;
  font-size: 1.23rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  margin-bottom: 7px;
}
.cookie-option {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
  font-size: 1.03rem;
  color: #1F3A93;
  font-family: 'Roboto', Arial, sans-serif;
}
.cookie-option input[type='checkbox'] {
  accent-color: #27AE60;
  width: 18px; height: 18px;
}
.cookie-modal-footer {
  margin-top: 7px;
  display: flex;
  gap: 18px;
  justify-content: flex-end;
}
.cookie-modal .button {
  padding: 9px 20px;
  font-size: 1rem;
  border-radius: 22px;
}

/* ANIMATIONS - microinteractions */
.button, button, .feature-grid li, .value-item, .deal-card, .article-list article, .market-card, .testimonial-card {
  transition: box-shadow 0.22s, transform 0.15s, background 0.23s, color 0.18s;
}

/* PRINT (minimal) */
@media print {
  header, footer, .mobile-menu, .cookie-banner, .cookie-modal-overlay
  { display: none !important; }
}

/* FONTS - fallback, you must still include font imports in your HTML/template */
@font-face { font-family:'Montserrat'; font-style:normal; font-weight:400; src:local('Montserrat'), local('Montserrat-Regular'); }
@font-face { font-family:'Roboto'; font-style:normal; font-weight:400; src:local('Roboto'), local('Roboto-Regular'); }