/* =====================================================
   CSS 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: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  box-sizing: border-box;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  background: #FAFAFA; /* light, scandinavian backdrop */
  color: #22406A;
  font-family: 'Raleway', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
a {
  color: #22406A;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #F2B63D;
  outline: none;
}

/* ============================================
   TYPOGRAPHY SCALE & HEADINGS
============================================ */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #22406A;
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}
h1 {
  font-size: 2.5rem;
  margin-bottom: 20px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 18px;
}
h3 {
  font-size: 1.3rem;
  margin-bottom: 14px;
}
h4 {
  font-size: 1.1rem;
  margin-bottom: 10px;
}
p, ul, ol {
  font-size: 1rem;
  margin-bottom: 14px;
  color: #22406A;
}
.subheadline {
  font-family: 'Raleway', Arial, sans-serif;
  font-size: 1.1rem;
  color: #405A77;
  margin-bottom: 18px;
  font-weight: 400;
}
strong, b {
  color: #22406A;
  font-weight: 600;
}

/* ==============================
   UTILITY CLASSES
============================== */
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 18px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px 0 rgba(34,64,106,0.04);
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 12px;
  color: #405A77;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 2px 10px 0 rgba(34,64,106,0.06);
  padding: 28px 20px;
  flex: 1 0 250px;
  min-width: 230px;
  transition: box-shadow 0.17s, transform 0.20s;
}
.card:hover {
  box-shadow: 0 6px 24px 0 rgba(34,64,106,0.10);
  transform: translateY(-2px) scale(1.02);
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 12px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #F8F9FB;
  border-radius: 10px;
  padding: 18px 14px;
  flex: 1 0 190px;
}
.features {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  align-items: flex-start;
}
ul, ol {
  margin-left: 26px;
  margin-bottom: 14px;
  padding-left: 0;
}
ul li, ol li {
  margin-bottom: 8px;
  font-size: 1rem;
  list-style: disc;
  color: #405A77;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ===========================================
   HEADER & NAVIGATION
=========================================== */
header {
  background: #FFF;
  box-shadow: 0 2px 8px 0 rgba(34,64,106,0.04);
  padding: 0 0 0 0;
  z-index: 20;
  position: relative;
}
header > a > img {
  height: 44px;
  width: auto;
  margin: 16px 0 10px 0;
}
header {
  display: flex;
  flex-direction: column;
  align-items: stretch;
}
header nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  margin: 10px 0;
}
header nav a {
  padding: 8px 0px;
  margin-right: 0px;
  font-weight: 500;
  color: #22406A;
  border-radius: 6px;
  transition: color 0.18s, background 0.20s;
}
header nav a.btn-primary {
  background: #22406A;
  color: #FFF;
  padding: 8px 22px;
  margin-left: 18px;
  border-radius: 24px;
  font-weight: 700;
  box-shadow: 0 2px 8px 0 rgba(34,64,106,0.07);
  border: none;
  transition: background 0.18s, color 0.18s, box-shadow 0.2s;
}
header nav a.btn-primary:hover,
header nav a.btn-primary:focus {
  background: #F2B63D;
  color: #22406A;
}
header nav a:hover:not(.btn-primary) {
  color: #F2B63D;
  background: #FAF4E4;
}
header nav a:focus {
  outline: 2px solid #F2B63D;
}

/* Hamburger Button */
.mobile-menu-toggle {
  background: none;
  border: none;
  font-size: 1.9rem;
  cursor: pointer;
  color: #22406A;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 8px 12px;
  margin-left: auto;
  margin-right: 14px;
  z-index: 52;
  border-radius: 8px;
  transition: background 0.14s;
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover {
  background: #F2B63D11;
}

/* ===============================
   MOBILE MENU OVERLAY
=============================== */
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw;
  height: 100vh;
  background: #FAFAFA;
  box-shadow: 0 0 0 100vw rgba(34,64,106,0.06);
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(.74,0,.31,1);
  z-index: 60;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 30px 24px 24px 24px;
  gap: 25px;
  overflow-y: auto;
}
.mobile-menu.active {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  font-size: 2rem;
  color: #405A77;
  cursor: pointer;
  margin-bottom: 16px;
  align-self: flex-end;
  padding: 8px 8px;
  border-radius: 8px;
  transition: background 0.14s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  background: #F2B63D11;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
}
.mobile-nav a {
  color: #22406A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.17rem;
  padding: 12px 0;
  border-bottom: 1px solid #F2B63D33;
  transition: background 0.1s, color 0.18s;
}
.mobile-nav a:last-child {
  border-bottom: none;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: #F2B63D18;
  color: #22406A;
  border-radius: 8px;
}

/* Responsive Nav */
@media (max-width: 1024px) {
  header nav {
    gap: 14px;
    font-size: 0.97rem;
  }
}
@media (max-width: 900px) {
  header nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}

/* ===============================================================
   HERO & HOMEPAGE
================================================================ */
.hero {
  background: linear-gradient(123deg, #F6F7F9 70%, #FAF4E4 100%);
  padding: 60px 0 44px 0;
  border-radius: 0 0 26px 26px;
  margin-bottom: 38px;
}
.hero .container {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.hero h1 {
  color: #22406A;
  font-size: 2.4rem;
  margin-bottom: 14px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
}
.hero .subheadline {
  color: #405A77;
  font-size: 1.1rem;
  margin-bottom: 22px;
}
.hero .btn-primary {
  margin-top: 12px;
}

/* ============================================
   BUTTONS & LINKS
============================================ */
.btn-primary, .newsletter a.btn-primary, .cta .btn-primary {
  background: #22406A;
  color: #fff;
  border-radius: 30px;
  font-family: 'Montserrat', Arial, sans-serif;
  padding: 12px 32px;
  font-weight: 700;
  font-size: 1.1rem;
  border: none;
  text-align: center;
  box-shadow: 0 2px 10px rgba(34,64,106,0.07);
  cursor: pointer;
  transition: background 0.20s, color 0.16s, box-shadow 0.22s, transform 0.17s;
  display: inline-block;
}
.btn-primary:hover, .btn-primary:focus, .newsletter a.btn-primary:hover {
  background: #F2B63D;
  color: #22406A;
  transform: translateY(-2px) scale(1.04);
  box-shadow: 0 8px 20px rgba(242,182,61,0.13);
}

.cta a {
  font-weight: 600;
  color: #22406A;
  text-decoration: underline;
  transition: color 0.13s;
}
.cta a:hover, .cta a:focus {
  color: #F2B63D;
}
.cta {
  margin-bottom: 50px;
  padding: 30px 12px;
  background: #FAF4E4;
  border-radius: 16px;
  text-align: center;
}
.cta-text {
  font-size: 1.07rem;
  color: #22406A;
  font-family: 'Raleway', Arial, sans-serif;
}

/* =================================================
   FEATURES / ABOUT / GRID / TESTIMONIALS
================================================= */
.features ul {
  display: flex;
  flex-direction: row;
  gap: 24px;
  flex-wrap: wrap;
  margin: 0 0 24px 0;
  padding: 0;
}
.features ul li {
  background: #F8F9FB;
  border-radius: 10px;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  color: #22406A;
  box-shadow: 0 2px 8px 0 rgba(34,64,106,0.04);
  font-size: 1.06rem;
  font-weight: 500;
}
.features ul li img {
  width: 32px;
  height: 32px;
}
.about-preview {
  background: #F6F7F9;
  border-radius: 16px;
}

/* ===============================
   TESTIMONIALS
=============================== */
.testimonials-preview, .testimonial-section {
  background: #FDFDFD;
  border-radius: 16px;
  padding: 40px 18px;
  margin-bottom: 52px;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: #fff;
  margin-bottom: 20px;
  border-radius: 12px;
  box-shadow: 0 2px 10px 0 rgba(34,64,106,0.06);
  position: relative;
  color: #22406A;
}
.testimonial-card blockquote {
  font-style: italic;
  font-size: 1.18rem;
  color: #22406A;
  margin-bottom: 8px;
}
.testimonial-card footer {
  margin-left: 0;
  color: #405A77;
  font-size: 1rem;
  font-style: normal;
  font-weight: 600;
}
.stars {
  color: #F2B63D;
  letter-spacing: 2px;
  margin-left: 4px;
  font-size: 1.1em;
  font-weight: 700;
}

/* Ensure contrast on testimonials */
.testimonial-card, .testimonials-preview, .testimonials-preview h2 {
  background: #fff;
  color: #22406A;
}

/* Newsletter block */
.newsletter {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #F8F9FB;
  padding: 16px 20px;
  border-radius: 10px;
}
.newsletter img {
  width: 30px;
  height: 30px;
  opacity: 0.85;
}
.newsletter b {
  color: #22406A;
}

/* ===============================
   CONTACT DETAILS SECTION
=============================== */
.contact-details ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-left: 0;
  margin-bottom: 18px;
  padding: 0;
}
.contact-details li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.01rem;
  color: #405A77;
}
.contact-details img {
  width: 26px;
  height: 26px;
  opacity: 0.86;
}

/* ===============================
   FOOTER
=============================== */
footer {
  background: #fff;
  color: #405A77;
  border-top: 1.5px solid #EEE;
  padding: 44px 0 20px 0;
  font-size: 1rem;
  margin-top: 40px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  align-items: flex-start;
}
footer img {
  width: 56px;
  height: auto;
  margin-bottom: 8px;
}
footer nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
}
footer nav a {
  color: #22406A;
  font-weight: 500;
  transition: color 0.13s;
}
footer nav a:hover {
  color: #F2B63D;
}
footer .text-section {
  color: #405A77;
  font-size: 1rem;
  margin-top: 4px;
  max-width: 320px;
}
@media (max-width: 900px) {
  footer .container {
    flex-direction: column;
    gap: 15px;
    align-items: flex-start;
  }
}

/* ===============================
   COOKIE CONSENT BANNER
=============================== */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  display: flex;
  flex-direction: row;
  gap: 20px;
  background: #FFF;
  box-shadow: 0 -4px 12px 0 rgba(34,64,106,0.05);
  border-top: 1.5px solid #F2B63D44;
  z-index: 99;
  padding: 20px 16px;
  align-items: center;
  justify-content: center;
  font-size: 0.98rem;
  font-family: 'Raleway', Arial, sans-serif;
  transition: transform 0.24s cubic-bezier(.6,.04,.98,.34), opacity 0.2s;
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
  transform: translateY(100%);
}
.cookie-banner .cookie-text {
  color: #22406A;
  max-width: 400px;
  margin-right: 10px;
}
.cookie-banner .cookie-btns {
  display: flex;
  gap: 9px;
}
.cookie-btn,
.cookie-btn-primary {
  border: none;
  outline: none;
  border-radius: 16px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  padding: 8px 18px;
  margin-right: 0;
  background: #F2B63D;
  color: #22406A;
  cursor: pointer;
  transition: background 0.17s, color 0.15s, box-shadow 0.14s;
  box-shadow: 0 2px 5px 0 rgba(242,182,61,0.05);
}
.cookie-btn:last-child, .cookie-btn-primary:last-child {
  margin-right: 0;
}
.cookie-btn-primary {
  background: #22406A;
  color: #fff;
}
.cookie-btn-primary:hover, .cookie-btn-primary:focus {
  background: #F2B63D;
  color: #22406A;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #eaa726;
  color: #fff;
}

/* Cookie Modal */
.cookie-modal-overlay {
  position: fixed;
  top:0; left:0; right:0; bottom:0;
  background: rgba(34,64,106,0.16);
  z-index: 120;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity:1;
  transition: opacity 0.23s;
}
.cookie-modal-overlay.hide {
  opacity:0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  padding: 36px 28px 24px 28px;
  border-radius: 18px;
  width: 90%;
  max-width: 410px;
  box-shadow: 0 8px 32px 0 rgba(34,64,106,0.17);
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: stretch;
  position: relative;
  animation: fadeIn .35s cubic-bezier(.79,.14,.38,1.08);
}
.cookie-modal h3 {
  font-size: 1.3rem;
  font-family: 'Montserrat', Arial, sans-serif;
  color: #22406A;
}
.cookie-modal .cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 12px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 7px 0;
  font-size: 1rem;
}
.cookie-category input[type="checkbox"] {
  accent-color: #22406A;
  width: 20px;
  height: 20px;
}
.cookie-category label {
  color: #405A77;
}
.cookie-category .essential-label {
  color: #22406A;
  font-weight: 700;
}
.cookie-modal .cookie-modal-btns {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
}
.cookie-modal-close {
  position: absolute;
  top: 15px; right: 18px;
  background: none;
  border: none;
  color: #405A77;
  font-size: 1.3rem;
  cursor: pointer;
  transition: background 0.13s;
  border-radius: 6px;
  padding: 5px 8px;
}
.cookie-modal-close:hover,
.cookie-modal-close:focus {
  background: #F2B63D12;
}
@keyframes fadeIn {
  from { opacity:0; transform: scale(0.92) translateY(25px); }
  to { opacity:1; transform: scale(1) translateY(0); }
}

/* ==========================
   MEDIA QUERIES
========================== */
@media (max-width: 1024px) {
  .hero h1 { font-size: 2rem; }
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.7rem; }
  .container { max-width: 97vw; }
  .features ul { gap: 14px; }
  .card-container { gap: 14px; }
}
@media (max-width: 900px) {
  .hero { padding: 38px 0 22px 0; }
  .section { padding: 16px 7px; margin-bottom: 38px; }
  .testimonials-preview, .testimonial-section { padding: 19px 7px; }
  .content-grid, .card-container, .features { gap: 12px; }
}
@media (max-width: 768px) {
  .content-wrapper { gap: 14px; }
  .container { padding: 0 7px; }
  .hero .container { padding: 0 7px; }
  .card, .feature-item { min-width: 160px; padding: 18px 10px; }
  .testimonial-card { flex-direction: column; gap: 10px; padding: 12px 7px; }
  .content-grid, .card-container, .features {
    flex-direction: column;
    gap: 14px;
  }
  .section { padding: 12px 2.5vw; }
  .cta { padding: 18px 4px; }
  .newsletter { flex-direction: column; gap: 6px; align-items: flex-start; }
  .text-image-section { flex-direction: column; gap: 16px; }
  footer .container {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
  .mobile-menu {
    padding: 20px 7px;
  }
}
@media (max-width: 600px) {
  h1 { font-size: 1.37rem; }
  h2 { font-size: 1.11rem; }
  .btn-primary, .newsletter a.btn-primary, .cta .btn-primary {
    font-size: .98rem;
    padding: 10px 18px;
  }
  .testimonial-card blockquote { font-size: 1rem; }
}
/* 
  END OF CSS
  -----
  All layouts use ONLY display:flex and flexbox properties.
  No CSS Grid or CSS Columns are used anywhere.
*/