/* 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, table, 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: inherit; font-size: 100%; vertical-align: baseline; box-sizing: border-box;
}
html {
  box-sizing: border-box;
  line-height: 1.6;
  font-size: 16px;
  min-height: 100%;
  scroll-behavior: smooth;
  background: #fff;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  font-family: 'Open Sans', Arial, sans-serif;
  color: #1B2230;
  background: #F8F9FB;
  min-height: 100vh;
  letter-spacing: 0.02em;
  -webkit-font-smoothing: antialiased;
}
img {
  display: block;
  max-width: 100%;
  height: auto;
}
a {
  color: #14406A;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #D1A242;
  outline: none;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: #14406A;
  line-height: 1.2;
  letter-spacing: 0.01em;
}
h1 {
  font-size: 2.25rem;
  margin-bottom: 24px;
}
h2 {
  font-size: 1.5rem;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.125rem;
  margin-bottom: 12px;
}
p, ul, ol, li, address {
  font-size: 1rem;
}
p:not(:last-child), ul:not(:last-child), ol:not(:last-child) {
  margin-bottom: 16px;
}
ul, ol {
  margin-left: 24px;
  margin-bottom: 16px;
}
ul li, ol li {
  padding-left: 0;
  margin-bottom: 10px;
  position: relative;
}
ul li::before {
  content: '';
  display: inline-block;
  width: 9px; height: 9px;
  background: #D1A242;
  margin-right: 12px;
  border-radius: 2px;
  vertical-align: middle;
}
ol li::before {
  content: '';
}
.text-section {
  max-width: 700px;
}
.subheadline {
  font-size: 1.125rem;
  font-family: 'Open Sans', Arial, sans-serif;
  color: #1B2230;
  font-weight: 400;
  margin-bottom: 28px;
}

/* CONTAINERS & LAYOUT */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding-left: 20px;
  padding-right: 20px;
}
.content-wrapper {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 2px 12px 0 rgba(20,64,106,0.07);
  padding: 32px 28px;
  margin-bottom: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 10px 0 rgba(20,64,106,0.09);
  padding: 28px 24px;
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  flex: 1 0 250px;
  transition: box-shadow 0.15s, transform 0.15s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 4px 18px 0 rgba(209,162,66,0.09);
  transform: translateY(-2px) scale(1.015);
  z-index: 1;
}
.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: flex-start;
  gap: 20px;
  padding: 20px 28px;
  background: #E5E8EC;
  border-left: 8px solid #D1A242;
  border-radius: 14px;
  margin-bottom: 20px;
  color: #1B2230;
  box-shadow: 0 1px 5px 0 rgba(20,64,106,0.07);
}
.testimonial-card p {
  margin: 0;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #F8F9FB;
  border-radius: 12px;
  padding: 18px 20px;
  margin-bottom: 20px;
  box-shadow: 0 1px 6px 0 rgba(20,64,106,0.04);
}

.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 16px 0 24px 0;
}
.features-grid > div {
  flex: 1 1 210px;
  min-width: 220px;
  background: #F8F9FB;
  border-radius: 14px;
  padding: 26px 22px 18px 22px;
  box-shadow: 0 1px 6px 0 rgba(20,64,106,0.03);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.15s, transform 0.15s;
}
.features-grid > div:hover {
  box-shadow: 0 4px 14px 0 rgba(209,162,66,0.08);
  transform: translateY(-2px) scale(1.010);
}
.features-grid img {
  width: 38px;
  height: 38px;
  margin-bottom: 10px;
}

.service-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  list-style: none;
  margin: 0 0 22px 0;
  padding: 0;
}
.service-list li {
  flex: 1 1 330px;
  background: #F8F9FB;
  border-radius: 16px;
  padding: 24px 22px;
  margin-bottom: 20px;
  box-shadow: 0 1px 8px 0 rgba(20,64,106,0.055);
  display: flex;
  flex-direction: column;
  min-width: 230px;
  transition: box-shadow .17s, border-color .17s;
  border-left: 5px solid #14406A;
}
.service-list li:hover, .service-list li:focus-within {
  box-shadow: 0 4px 16px 0 rgba(209,162,66,0.07);
  border-left: 5px solid #D1A242;
}
.report-highlights {
  list-style: none;
  margin: 0 0 12px 0;
  padding: 0;
}
.report-highlights li {
  margin-bottom: 16px;
  padding-left: 0;
  border-left: 4px solid #D1A242;
  background: #F8F9FB;
  border-radius: 9px;
  padding: 12px 18px;
}
.blog-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.blog-list article {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 1px 8px 0 rgba(20,64,106,0.064);
  padding: 24px 18px;
  flex: 1 1 300px;
  min-width: 220px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: box-shadow .15s, transform .13s;
}
.blog-list article:hover {
  box-shadow: 0 3px 16px 0 rgba(20,64,106,0.11);
  transform: translateY(-3px) scale(1.01);
}
.faq-accordion > div {
  margin-bottom: 20px;
  background: #F8F9FB;
  border-radius: 14px;
  padding: 20px 22px;
  border-left: 5px solid #14406A;
  box-shadow: 0 1px 8px 0 rgba(20,64,106,0.055);
}
.faq-accordion h3 {
  margin-bottom: 7px;
  font-size: 1.13rem;
}

.mini-form, .contact-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 14px;
}

.map-placeholder {
  background: repeating-linear-gradient(135deg, #E5E8EC, #E5E8EC 10px, #fff 10px, #fff 20px);
  border-radius: 14px;
  padding: 30px 0;
  color: #14406A;
  display: flex;
  flex: 1 1 100%;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

/* HEADER & NAVIGATION */
header {
  background: #fff;
  border-bottom: 3px solid #E5E8EC;
  box-shadow: 0 1px 11px 0 rgba(20,64,106,0.045);
  padding: 0;
  z-index: 40;
}
header .container {
  padding-top: 14px;
  padding-bottom: 14px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.logo img {
  height: 46px;
  width: auto;
  display: block;
}
.main-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  align-items: center;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #14406A;
  font-weight: 600;
  padding: 7px 12px;
  font-size: 1rem;
  border-radius: 9px;
  transition: background .14s, color .14s;
}
.main-nav a:hover, .main-nav a.active {
  background: #E5E8EC;
  color: #D1A242;
}
.btn-primary, .btn-secondary {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.025em;
  font-size: 1rem;
  padding: 12px 28px;
  border: none;
  border-radius: 13px;
  box-shadow: 0 1px 3px 0 rgba(20,64,106,0.09);
  cursor: pointer;
  outline: none;
  margin: 4px 6px 4px 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: background .21s, color .16s, box-shadow .12s, transform .14s;
}
.btn-primary {
  background: #14406A;
  color: #fff;
}
.btn-primary:hover, .btn-primary:focus {
  background: #D1A242;
  color: #14406A;
  transform: scale(1.04);
}
.btn-secondary {
  background: #E5E8EC;
  color: #14406A;
  border: 2px solid #14406A;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: #D1A242;
  color: #fff;
  border-color: #D1A242;
  transform: scale(1.04);
}

.mobile-menu-toggle {
  display: none;
  background: #14406A;
  color: #fff;
  border: none;
  font-size: 2rem;
  border-radius: 8px;
  width: 48px; height: 48px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  margin-left: 12px;
  transition: background .14s, box-shadow .14s, color .14s;
  z-index: 120;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #D1A242;
  color: #14406A;
}

.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(20,64,106, 0.97);
  z-index: 110;
  transform: translateX(-100vw);
  transition: transform 0.4s cubic-bezier(.65,.05,.36,1);
  display: flex;
  align-items: flex-start;
  justify-content: flex-start;
  padding: 0;
  pointer-events: none;
  opacity: 0;
}
.mobile-menu.open {
  transform: none;
  pointer-events: all;
  opacity: 1;
}
.mobile-menu-close {
  position: absolute;
  top: 24px;
  right: 30px;
  background: transparent;
  color: #fff;
  border: none;
  font-size: 2.3rem;
  cursor: pointer;
  z-index: 131;
  padding: 0;
  line-height: 1;
  width: 48px; height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: color .17s, background .12s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #D1A242;
  background: rgba(229,232,236,0.15);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  margin: 84px auto 0 auto;
  width: 94vw;
  max-width: 380px;
  gap: 22px;
  border-radius: 22px;
  padding: 36px 18px 30px 34px;
  background: #fff;
  min-height: 365px;
  box-shadow: 0 2px 22px 0 rgba(20,64,106,0.15);
  z-index: 120;
}
.mobile-nav a {
  color: #14406A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.11rem;
  font-weight: 600;
  padding: 12px 0;
  border-radius: 7px;
  margin-right: 0;
  background: none;
  transition: background .18s, color .14s;
}
.mobile-nav a:hover {
  background: #E5E8EC;
  color: #D1A242;
}

/* FOOTER */
footer {
  background: #fff;
  color: #1B2230;
  border-top: 3px solid #E5E8EC;
  padding: 0;
}
footer .container {
  padding-top: 34px;
  padding-bottom: 34px;
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  justify-content: space-between;
  gap: 28px;
}
footer img {
  width: 54px;
  height: 54px;
  margin-bottom: 16px;
  display: block;
}
.footer-nav {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
}
.footer-nav a {
  color: #14406A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  text-decoration: underline solid #E5E8EC 2px;
  padding: 4px 2px;
  transition: text-decoration-color .16s, color .13s;
}
.footer-nav a:hover {
  color: #D1A242;
  text-decoration-color: #D1A242;
}
.footer-contact {
  font-size: 0.97rem;
  color: #1B2230;
  display: flex;
  flex-direction: column;
  gap: 5px;
}

/* COOKIES BANNER & MODAL */
.cookie-banner {
  position: fixed;
  left: 16px; right: 16px; bottom: 16px;
  display: flex;
  flex-direction: row;
  align-items: center;
  background: #fff;
  border: 2px solid #14406A;
  border-radius: 16px;
  box-shadow: 0 3px 24px 0 rgba(20,64,106,.13);
  padding: 18px 28px;
  z-index: 250;
  gap: 20px;
  opacity: 1;
  transition: opacity 0.24s, transform 0.34s;
  font-size: 1rem;
  max-width: 480px;
  margin: 0 auto;
  flex-wrap: wrap;
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
  transform: translateY(30px);
}
.cookie-banner p {
  flex: 1 1 260px;
  color: #1B2230;
}
.cookie-btns {
  display: flex;
  gap: 10px;
}
.cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 0.99rem;
  padding: 8px 24px;
  border-radius: 10px;
  background: #14406A;
  color: #fff;
  border: none;
  margin-left: 2px;
  cursor: pointer;
  font-weight: 600;
  transition: background .14s, color .14s, transform .13s;
  outline: none;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #D1A242;
  color: #14406A;
  transform: scale(1.07);
}
.cookie-btn.settings {
  background: #E5E8EC;
  color: #14406A;
  border: 1.5px solid #14406A;
}
.cookie-btn.settings:hover {
  background: #D1A242;
  border-color: #D1A242;
  color: #fff;
}

.cookie-modal-overlay {
  position: fixed;
  z-index: 299;
  left: 0; top: 0; right: 0; bottom: 0;
  background: rgba(20,64,106,0.79);
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: all;
  opacity: 1;
  transition: opacity .28s;
}
.cookie-modal-overlay.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  max-width: 380px;
  min-width: 270px;
  border-radius: 16px;
  box-shadow: 0 7px 26px 0 rgba(20,64,106,.18);
  padding: 36px 30px 24px 30px;
  position: relative;
  z-index: 320;
  display: flex;
  flex-direction: column;
  gap: 20px;
  animation: modalIn .33s cubic-bezier(.55,.09,.42,.85);
}
@keyframes modalIn {
  0%{ opacity:0; transform: translateY(60px) scale(.97); }
  100%{ opacity:1; transform: none; }
}
.cookie-modal h2 {
  font-size: 1.22rem;
  color: #14406A;
  margin-bottom: 4px;
}
.cookie-modal .cookie-cat {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-radius: 8px;
  padding: 8px 10px;
  background: #F8F9FB;
  margin-bottom: 6px;
  font-size: 0.98rem;
}
.cookie-modal .cat-label {
  font-weight: 600;
  color: #14406A;
}
.cookie-modal .cookie-toggle {
  accent-color: #D1A242;
  width: 22px;
  height: 22px;
  border-radius: 6px;
  border: 2px solid #14406A;
}
.cookie-modal .cookie-cat.essential .cookie-toggle {
  visibility: hidden;
}
.cookie-modal .cookie-cat.essential .cat-label {
  color: #D1A242;
}
.cookie-modal-btns {
  display: flex;
  gap: 12px;
  margin-top: 14px;
  justify-content: flex-end;
}
.cookie-modal-close {
  position: absolute;
  right: 18px; top: 12px;
  font-size: 2rem;
  background: transparent;
  color: #14406A;
  border: none;
  cursor: pointer;
  border-radius: 7px;
  padding: 0 9px;
  line-height: 1;
  transition: background .13s, color .13s;
}
.cookie-modal-close:hover {
  color: #fff;
  background: #D1A242;
}

/* ACCESSIBILITY FOCUS VISIBLE */
a:focus-visible, .btn-primary:focus-visible, .btn-secondary:focus-visible, .cookie-btn:focus-visible {
  outline: 2px solid #D1A242;
  outline-offset: 2px;
}

/* RESPONSIVE DESIGN: MOBILE-FIRST */
@media (max-width: 1200px) {
  .container { max-width: 95vw; }
}
@media (max-width: 900px) {
  .features-grid > div,
  .service-list li,
  .blog-list article {
    min-width: 190px;
  }
  footer .container {
    gap: 11px;
    padding-top: 24px;
    padding-bottom: 24px;
  }
}
@media (max-width: 768px) {
  html { font-size: 15px; }
  .container {
    padding-left: 8px;
    padding-right: 8px;
  }
  .section {
    margin-bottom: 36px;
    padding: 22px 6px;
  }
  .content-wrapper {
    padding: 18px 9px;
  }
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
  .logo img {
    height: 39px;
  }
  .features-grid {
    flex-direction: column;
  }
  .blog-list, .service-list {
    flex-direction: column;
    gap: 14px;
  }
  .text-image-section {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
  footer .container {
    flex-direction: column;
    align-items: flex-start;
    gap: 11px;
    padding-top: 16px;
    padding-bottom: 16px;
  }
  .footer-nav, .footer-contact {
    gap: 7px;
  }
}
@media (max-width: 550px) {
  html { font-size: 14px; }
  .btn-primary, .btn-secondary {
    padding: 10px 12px;
    font-size: 0.92rem;
  }
  .cookie-banner {
    padding: 12px 7px;
    max-width: 97vw;
    font-size: 0.93rem;
    flex-direction: column;
    gap: 9px;
  }
  .cookie-modal {
    padding: 20px 6vw 16px 6vw;
    max-width: 98vw;
  }
  .mobile-menu-close {
    right: 10px;
    top: 10px;
  }
}

/* GEOMETRIC_STRUCTURED DECORATIVE SHAPES */
.features-grid > div::before {
  content: '';
  display: block;
  width: 48px;
  height: 6px;
  background: #D1A242;
  border-radius: 2px 8px 8px 2px;
  margin-bottom: 14px;
  margin-left: -2px;
}
.features-grid > div img {
  margin-top: -9px;
  margin-bottom: 8px;
}
@media (max-width: 950px) {
  .features-grid > div::before {
    width: 31px;
    height: 4px;
    margin-bottom: 10px;
  }
}

hr {
  border: none;
  border-top: 3px solid #E5E8EC;
  margin: 24px 0;
}

/* BUTTON MICRO-INTERACTION: ELEVATE ON HOVER */
.btn-primary, .btn-secondary, .cookie-btn {
  will-change: transform, box-shadow;
}
.btn-primary:hover, .btn-secondary:hover, .cookie-btn:hover {
  box-shadow: 0 3px 15px 0 rgba(209,162,66,.14);
}

/* MODERN SCROLLBAR */
::-webkit-scrollbar { width: 10px; height: 10px; }
::-webkit-scrollbar-thumb {
  background: #E5E8EC;
  border-radius: 8px;
}
::-webkit-scrollbar-thumb:hover {
  background: #D1A242;
}

/* PRINT OPTIMIZATION */
@media print {
  nav, .btn-primary, .btn-secondary, .mobile-menu, .cookie-banner, .cookie-modal-overlay {
    display: none !important;
  }
  .container, .content-wrapper {
    background: #fff !important;
    box-shadow: none !important;
  }
}

/* UTILITY CLASSES */
.d-flex { display: flex !important; }
.flex-wrap { flex-wrap: wrap !important; }
.align-center { align-items: center !important; }
.justify-between { justify-content: space-between !important; }
.mt-3 { margin-top: 24px; }
.mb-3 { margin-bottom: 24px; }
/* END */