/* =========================
   CSS 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, menu, 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, nav, output, ruby, section, summary,
time, mark, audio, video {
  margin: 0;
  padding: 0;
  border: 0;
  font: inherit;
  vertical-align: baseline;
  background: transparent;
  box-sizing: border-box;
}
article, aside, details, figcaption, figure, 
footer, header, hgroup, main, menu, nav, section {
  display: block;
}
body {
  line-height: 1.5;
  min-height: 100vh;
  background: #F2F6FB;
  color: #1c284a;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img {
  max-width: 100%;
  display: block;
  border: 0;
}
*, *:before, *:after {
  box-sizing: inherit;
}
a {
  color: #21407D;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover,
a:focus {
  color: #F68B1F;
  outline: none;
}
ul, ol {
  list-style: none;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  color: #21407D;
  font-weight: 700;
  letter-spacing: -0.02em;
}
h1 { font-size: 2.5rem; margin-bottom: 24px; }
h2 { font-size: 2rem; margin-bottom: 24px; }
h3 { font-size: 1.5rem; margin-bottom: 16px; }
h4 { font-size: 1.125rem; margin-bottom: 14px; }
p, li { color: #1C284A; font-size: 1rem; line-height: 1.7; }


/* =============================
   CONTAINER & LAYOUT HELPERS
   ============================= */
.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 16px rgba(33,64,125,0.07);
}

@media (max-width: 768px) {
  .section {
    margin-bottom: 40px;
    padding: 24px 8px;
  }
  .container { padding: 0 8px; }
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  margin-bottom: 20px;
  padding: 24px;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(33,64,125,0.08);
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 260px;
  flex: 1 1 260px;
  transition: box-shadow 0.25s;
}
.card:hover {
  box-shadow: 0 6px 30px rgba(246,139,31,0.09);
}

.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: 900px) {
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 20px;
  }
}

.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 20px;
  margin-bottom: 20px;
  background: #F2F6FB;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(33,64,125,0.05);
  transition: background 0.3s, box-shadow 0.3s;
}
.testimonial-card p {
  color: #21407D;
  font-size: 1.125rem;
  margin-bottom: 12px;
}
.testimonial-card span {
  color: #1D3159;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1rem;
}
.testimonial-card:hover {
  background: #fffbe8;
  box-shadow: 0 6px 30px rgba(246,139,31,0.08);
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* Visual hierarchy for cards */
.card h3, .feature-item strong {
  color: #21407D;
  font-size: 1.125rem;
}

/* Ensuring minimum margin for all cards */
.card, .testimonial-card, .feature-item, .section, .content-wrapper>ul>li {
  margin-bottom: 20px;
}

/* ================================
   HERO, CTA, & GRADIENT EFFECTS
   ================================ */
.hero {
  margin-bottom: 60px;
  padding: 56px 0 56px 0;
  background: linear-gradient(94deg, #F68B1F 0%, #21407D 100%);
  background-size: 200% 200%;
  color: #fff;
  border-radius: 0 0 32px 32px;
  box-shadow: 0 6px 36px rgba(33,64,125,0.07);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hero .container { align-items: center; }
.hero .content-wrapper {
  align-items: center;
}
.hero h1, .hero p {
  color: #fff;
  text-shadow: 0 2px 8px rgba(33,64,125,0.10);
}
.hero h1 {
  font-size: 2.6rem;
}
.hero p {
  font-size: 1.25rem;
  max-width: 680px;
  margin-bottom: 28px;
}
@media (max-width: 768px) {
  .hero { padding: 32px 0 32px 0; }
  .hero h1 { font-size: 2rem; }
  .hero p { font-size: 1.05rem; }
}

.contact-cta, .cta {
  background: linear-gradient(85deg, #21407D 0%, #F68B1F 100%);
  color: #fff;
  padding: 40px 0;
  border-radius: 28px;
  box-shadow: 0 4px 18px rgba(33,64,125,0.09);
  margin-bottom: 60px;
}
.contact-cta h2, .cta h2, .contact-cta p, .cta p {
  color: #fff;
}
.contact-cta .contact-info, .cta .contact-info {
  margin: 18px 0 16px 0;
}
.contact-cta .cta-btn, .cta .cta-btn {
  background: #fff;
  color: #21407D;
  border: none;
  font-weight: 700;
  margin-top: 16px;
  box-shadow: 0 2px 10px rgba(33,64,125,0.08);
}

/* ==========================
   NAVIGATION & HEADER
=========================== */
header {
  background: transparent;
  width: 100%;
}
header .container {
  display: flex;
  align-items: center;
  flex-direction: row;
  justify-content: space-between;
  min-height: 80px;
  gap: 20px;
}
.logo img {
  height: 46px;
  width: auto;
  display: block;
}
.main-nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 28px;
}
.main-nav a {
  color: #21407D;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.09rem;
  font-weight: 600;
  position: relative;
  letter-spacing: -0.01em;
  padding: 4px 4px;
  transition: color 0.15s;
}
.main-nav a::after {
  content: '';
  display: block;
  margin: 0 auto;
  margin-top: 3px;
  width: 0%;
  height: 3px;
  background: #F68B1F;
  transition: width 0.18s;
  border-radius: 2px;
}
.main-nav a:hover,
.main-nav a:focus {
  color: #F68B1F;
}
.main-nav a:hover::after,
.main-nav a:focus::after {
  width: 80%;
}

.cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(92deg, #F68B1F 32%, #21407D 85%);
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.08rem;
  border: none;
  border-radius: 25px;
  padding: 12px 36px;
  min-width: 110px;
  box-shadow: 0 2px 16px rgba(33,64,125,0.10);
  cursor: pointer;
  outline: none;
  margin-left: 20px;
  letter-spacing: 0.03em;
  transition: background 0.2s, box-shadow 0.2s, color 0.3s;
}
.cta-btn:hover,
.cta-btn:focus {
  background: linear-gradient(85deg, #21407D 32%, #F68B1F 85%);
  color: #fffbe8;
  box-shadow: 0 6px 30px rgba(246,139,31,0.13);
}

/* =========================
   RESPONSIVE NAVIGATION
   ========================= */
.mobile-menu-toggle {
  display: none;
  font-size: 2rem;
  background: none;
  border: none;
  color: #21407D;
  cursor: pointer;
  z-index: 1200;
  padding: 10px;
  border-radius: 7px;
  transition: background 0.2s, color 0.2s;
}
.mobile-menu-toggle:focus {
  background: #EAF0FA;
  color: #F68B1F;
  outline: none;
}
@media (max-width: 980px) {
  .main-nav { display: none; }
  .cta-btn { display: none; }
  .mobile-menu-toggle { display: block; }
}

.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  width: 90vw;
  max-width: 360px;
  height: 100vh;
  background: #fff;
  box-shadow: -4px 0 30px rgba(33,64,125,0.18);
  z-index: 1300;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.32s cubic-bezier(.43,.03,.39,1.24);
}
.mobile-menu.open {
  transform: translateX(0%);
}
.mobile-menu-close {
  align-self: flex-end;
  font-size: 2.1rem;
  background: none;
  color: #21407D;
  border: none;
  padding: 16px 24px 8px 8px;
  cursor: pointer;
  transition: color 0.2s;
  border-radius: 6px;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  color: #F68B1F;
  background: #EAF0FA;
  outline: none;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 40px 26px 16px 32px;
  width: 100%;
  margin-top: 20px;
}
.mobile-nav a {
  color: #1C284A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.12rem;
  font-weight: 500;
  border-radius: 8px;
  padding: 12px 0;
  transition: background 0.18s, color 0.16s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: #F68B1F;
  color: #fff;
}
@media (min-width: 981px) {
  .mobile-menu { display: none !important; }
}

/* ================================
   LISTS, TEXT CONTENT & LINKS
   ================================ */
ul {
  margin: 0;
  padding: 0 0 0 18px;
}
ul > li {
  margin-bottom: 12px;
  font-size: 1rem;
  line-height: 1.65;
}
ul > li strong {
  color: #21407D;
  font-weight: 700;
  margin-right: 5px;
}
div.text-section {
  margin-bottom: 20px;
  font-size: 1.1rem;
  color: #21407D;
}
p + ul, ul + p {
  margin-top: 8px;
}

/* =========================
   FOOTER
   ========================= */
footer {
  background: linear-gradient(92deg, #F2F6FB 70%, #21407D 100%);
  padding: 32px 0 16px 0;
  width: 100%;
}
footer .container {
  flex-direction: column;
  align-items: center;
  gap: 18px;
}
.footer-logo img {
  height: 42px;
  margin-bottom: 10px;
}
.footer-nav {
  display: flex;
  flex-direction: row;
  gap: 28px;
  margin-bottom: 8px;
  flex-wrap: wrap;
  justify-content: center;
}
.footer-nav a {
  color: #21407D;
  font-weight: 500;
  font-size: 1rem;
  padding: 3px 6px;
}
.footer-nav a:hover,
.footer-nav a:focus {
  color: #F68B1F;
  text-decoration: underline;
}
.footer-info {
  color: #1C284A;
  font-size: 0.98rem;
  margin-top: 10px;
}
@media (max-width: 600px) {
  .footer-nav { gap: 13px; }
  .footer-logo img { height: 32px; }
}

/* =========================
   BUTTONS & INTERACTIONS
   ========================= */
button, .cta-btn, .cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  border: none;
  border-radius: 26px;
  padding: 11px 30px;
  font-size: 1rem;
  cursor: pointer;
  transition: background 0.2s, box-shadow 0.18s, color 0.13s;
}
.button-primary, .cta-btn, .cookie-btn.accept {
  background: linear-gradient(85deg, #F68B1F 31%, #21407D 100%);
  color: #fff;
  font-weight: 700;
}
.button-primary:hover, .cta-btn:hover, .cookie-btn.accept:hover { background: linear-gradient(85deg, #21407D 31%, #F68B1F 100%); }

.button-secondary, .cookie-btn.reject {
  background: #F2F6FB;
  color: #21407D;
  font-weight: 700;
  border: 1.5px solid #F68B1F;
}
.button-secondary:hover, .cookie-btn.reject:hover {
  background: #fffbe8;
  color: #C06800;
}
.button-outline, .cookie-btn.settings {
  background: #fff;
  color: #F68B1F;
  font-weight: 700;
  border: 1.5px solid #F68B1F;
}
.button-outline:hover, .cookie-btn.settings:hover {
  background: #F68B1F;
  color: #fff;
}
:focus {
  outline: 2px solid #F68B1F;
  outline-offset: 1px;
}

/* =========================
   CARDS & SHADOWS
   ========================= */
.card, .testimonial-card, .feature-item, .section {
  box-shadow: 0 2px 16px rgba(33,64,125,0.07);
  border-radius: 18px;
}

.card:hover, .testimonial-card:hover {
  box-shadow: 0 8px 32px rgba(246,139,31,0.09);
}

/* =========================
   TYPOGRAPHY SCALE
   ========================= */
@media (max-width: 480px) {
  h1 { font-size: 1.46rem; }
  h2 { font-size: 1.13rem; }
  h3 { font-size: 1.02rem; }
}

/* =========================
   LEGAL/TEXT CONTENT PAGES
   ========================= */
.legal {
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 2px 12px rgba(33,64,125,0.06);
  padding: 40px 24px;
  margin-bottom: 70px;
}
.legal h1 {
  color: #21407D;
  font-size: 2.1rem;
  margin-bottom: 20px;
}
.legal h2 {
  color: #F68B1F;
  font-size: 1.4rem;
  margin-top: 30px;
  margin-bottom: 10px;
}
.legal .text-section {
  margin-bottom: 18px;
}

/* =========================
   COOKIE BANNER & MODAL
   ========================= */
.cookie-banner {
  position: fixed;
  z-index: 2100;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: linear-gradient(92deg, #F68B1F 35%, #21407D 100%);
  color: #fff;
  display: flex;
  align-items: center;
  flex-direction: row;
  justify-content: center;
  padding: 18px 12px 18px 24px;
  box-shadow: 0 -6px 36px rgba(33,64,125,0.08);
  gap: 26px;
  font-size: 1.08rem;
  transition: transform 0.3s;
}
.cookie-banner[hidden] { display: none !important; }
@media (max-width: 600px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 13px 7px 16px 7px;
    font-size: 1rem;
  }
}
.cookie-banner .cookie-btns {
  display: flex;
  flex-direction: row;
  gap: 12px;
}
.cookie-btn {
  min-width: 94px;
  margin-left: 0;
  font-size: 1rem;
  box-shadow: 0 2px 10px rgba(33,64,125,0.08);
}
.cookie-btn:not(:last-child) { margin-right: 10px; }

/* Cookie Modal overlay and dialog */
.cookie-modal-overlay {
  position: fixed;
  top: 0; right: 0; bottom: 0; left: 0;
  background: rgba(33,64,125,0.15);
  z-index: 2200;
  display: none;
}
.cookie-modal-overlay.open { display: block; }
.cookie-modal {
  position: fixed;
  left: 50%; top: 50%;
  transform: translate(-50%,-52%) scale(0.97);
  min-width: 300px; max-width: 98vw;
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 10px 48px rgba(33,64,125,0.16);
  z-index: 2220;
  padding: 36px 28px 28px 28px;
  color: #21407D;
  display: flex;
  flex-direction: column;
  gap: 18px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.33s, transform 0.3s;
}
.cookie-modal.open {
  opacity: 1;
  pointer-events: auto;
}
.cookie-modal h2 {
  font-size: 1.3rem;
  color: #F68B1F;
}
.cookie-modal ul {
  list-style: none;
  padding: 0;
  margin-bottom: 18px;
}
.cookie-modal li {
  display: flex;
  align-items: center;
  margin-bottom: 14px;
  gap: 10px;
}
.cookie-modal label {
  font-size: 1rem;
  color: #21407D;
  cursor: pointer;
}
.cookie-modal .modal-actions {
  display: flex;
  flex-direction: row;
  gap: 14px;
  margin-top: 16px;
  align-items: center;
}
@media (max-width: 500px) {
  .cookie-modal {
    min-width: 0;
    width: 97vw;
    padding: 18px 8px 12px 8px;
  }
}
.cookie-toggle {
  width: 38px;
  height: 22px;
  background: #F68B1F;
  border-radius: 999px;
  position: relative;
  outline: none;
  border: none;
  cursor: pointer;
  margin-left: 12px;
  transition: background 0.19s;
}
.cookie-toggle[aria-checked="false"] {
  background: #DDD;
}
.cookie-toggle-slider {
  position: absolute;
  left: 2px; top: 2.5px;
  width: 17px; height: 17px;
  background: #fff;
  border-radius: 50%;
  transition: left 0.22s;
}
.cookie-toggle[aria-checked="true"] .cookie-toggle-slider {
  left: 18px;
}
.cookie-modal .modal-close {
  background: none;
  color: #21407D;
  font-size: 1.55rem;
  border: none;
  position: absolute;
  right: 16px; top: 14px;
  cursor: pointer;
  padding: 3px 8px;
}
.cookie-modal .modal-close:hover,
.cookie-modal .modal-close:focus {
  color: #F68B1F;
  background: #EAF0FA;
  border-radius: 4px;
}

/* ==================
   MISC: FORMS, ETC.
   ================== */
input, textarea, select {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  border-radius: 8px;
  border: 1.2px solid #DDE4F2;
  padding: 10px 13px;
  margin-bottom: 14px;
  background: #F2F6FB;
  color: #21407D;
  width: 100%;
  transition: border 0.19s;
}
input:focus, textarea:focus  {
  border-color: #F68B1F;
  outline: none;
}
::placeholder {
  color: #BFCBE5;
}

label {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  color: #21407D;
  margin-bottom: 4px;
  font-weight: 600;
}

/* ==========================
   ANIMATIONS & TRANSITIONS
   ========================== */
.section, .card, .feature-item, .testimonial-card, .cookie-banner, .cookie-modal {
  transition: box-shadow 0.28s, background 0.26s, border 0.23s, color 0.17s;
}
.cta-btn, .button-primary, .button-secondary, .cookie-btn, .mobile-menu-toggle, .mobile-menu-close {
  transition: background 0.28s, color 0.22s, box-shadow 0.23s;
}
.mobile-menu, .cookie-modal {
  transition: transform 0.34s cubic-bezier(.43,.03,.39,1.24), opacity 0.32s;
}

/* ==========================
   SCROLLBAR (MODERN LOOK)
   ========================== */
::-webkit-scrollbar {
  width: 10px;
  background: #F2F6FB;
}
::-webkit-scrollbar-thumb {
  background: #EAF0FA;
  border-radius: 13px;
}
::-webkit-scrollbar-thumb:hover {
  background: #C9D4EC;
}

/* ==============================
   HORIZONCREST BRAND UTILITY
   ==============================
   These can be used globally.
*/
.bg-gradient-main {
  background: linear-gradient(90deg, #21407D 0%, #F68B1F 100%);
  color: #fff;
}
.bg-gradient-reverse {
  background: linear-gradient(90deg, #F68B1F 0%, #21407D 100%);
  color: #fff;
}
.bg-secondary {
  background: #F2F6FB;
}
.color-primary { color: #21407D; }
.color-accent  { color: #F68B1F; }
.color-secondary { color: #F2F6FB; }
.font-display { font-family: 'Montserrat', Arial, sans-serif; }
.font-body { font-family: 'Roboto', Arial, sans-serif; }

/* ==============================
   RESPONSIVENESS (flex only)
   ============================== */
@media (max-width: 768px) {
  .container { max-width: 100%; }
  .content-grid, .card-container {
    flex-direction: column;
  }
  .footer-nav {
    flex-direction: column;
    align-items: center;
    gap: 8px;
  }
  .content-wrapper {
    gap: 13px;
  }
  .contact-cta, .cta {
    border-radius: 13px;
    padding: 25px 0 28px 0;
    margin-bottom: 30px;
  }
}

@media (max-width: 470px) {
  .hero, .section, .legal, .card {
    padding-left: 3vw;
    padding-right: 3vw;
  }
  .cookie-banner { font-size: 0.96rem; }
}

/* ================
   END CSS
   ================ */