/* =====================
   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, 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 { box-sizing: border-box; }
*, *:before, *:after { box-sizing: inherit; }
body {
  min-height: 100vh;
  line-height: 1.6;
  background: #FBFBFA;
  color: #1b2437;
}
ul, ol { list-style: none; }
a { text-decoration: none; color: inherit; }
img, svg { display: block; max-width: 100%; height: auto; }
button {
  background: none;
  border: none;
  font: inherit;
  cursor: pointer;
  outline: none;
}

/* ===================================
  VARIABLES (with fallback for old browsers)
  =================================== */
:root {
  --primary: #224476;
  --secondary: #5CC6A3;
  --accent: #F8C840;
  --dark: #1b2437;
  --light: #FAFAFD;
  --gray: #D6E0EA;
  --white: #FFFFFF;
  --danger: #e35a40;

  --font-display: 'Montserrat', Arial, sans-serif;
  --font-body: 'Open Sans', Arial, sans-serif;
}

/* =====================
  GENERAL TYPOGRAPHY
  ===================== */
body {
  font-family: var(--font-body);
  font-size: 16px;
  background: #FBFBFA;
  color: var(--dark);
  letter-spacing: 0.02em;
}
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--primary);
  font-weight: 700;
  line-height: 1.2;
}
h1 { font-size: 2.4rem; margin-bottom: 18px; }
h2 { font-size: 1.8rem; margin-bottom: 16px; }
h3 { font-size: 1.2rem; margin-bottom: 10px; }
h4, h5, h6 { font-size: 1rem; }
p, li, ul, ol {
  font-size: 1rem;
  font-family: var(--font-body);
  color: var(--dark);
}
strong { color: var(--secondary); font-weight: bold; }

@media (min-width: 480px) {
  h1 { font-size: 3rem; }
  h2 { font-size: 2.2rem; }
  h3 { font-size: 1.4rem; }
}
@media (min-width: 800px) {
  h1 { font-size: 3.5rem; }
  h2 { font-size: 2.6rem; }
}

/* =====================
  CONTAINER, LAYOUT, & SPACING
  ===================== */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
  align-items: flex-start;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: transparent;
}

.hero {
  background: var(--primary);
  color: var(--white);
  position: relative;
  overflow: hidden;
  padding: 40px 0 48px 0;
}
.hero .content-wrapper {
  align-items: flex-start;
  gap: 20px;
}
.hero h1, .hero h2, .hero h3 { color: var(--accent); text-shadow: 1px 2px 0 rgba(34,67,118,.09); }
.hero p {
  color: var(--white);
  opacity: .96;
}
.hero .cta-btn { margin-top: 18px; }

/*
========================================
   HEADER & NAVIGATION
========================================
*/
header {
  background: var(--white);
  box-shadow: 0 3px 16px 0 rgba(34,68,118,0.07);
  position: sticky;
  top: 0;
  z-index: 30;
}
header .container {
  display: flex;
  align-items: center;
  flex-direction: row;
  justify-content: space-between;
  padding: 14px 20px;
  gap: 12px;
}
header nav {
  display: flex;
  flex-direction: row;
  gap: 28px;
}
header nav a {
  font-family: var(--font-display);
  font-size: 1.04rem;
  letter-spacing: .03em;
  color: var(--primary);
  border-radius: 6px;
  transition: background 0.2s, color 0.2s;
  position: relative;
  padding: 6px 10px;
}
header nav a:hover,
header nav a:focus {
  background: var(--secondary);
  color: var(--white);
}
header img {
  height: 45px;
  margin-right: 14px;
  border-radius: 8px 28px 12px 2px;
}
.cta-btn {
  background: var(--accent);
  color: var(--primary);
  font-family: var(--font-display);
  font-size: 1.08rem;
  border: none;
  border-radius: 20px 40px 12px 8px;
  padding: 12px 32px;
  margin-left: 20px;
  font-weight: 700;
  letter-spacing: .04em;
  box-shadow: 0 4px 18px 0 rgba(248,200,64,0.20);
  transition: background 0.18s, color 0.18s, transform 0.14s;
  position: relative;
  z-index: 2;
  outline: none;
}
.cta-btn:hover, .cta-btn:focus {
  background: var(--secondary);
  color: var(--white);
  transform: translateY(-2px) scale(1.04) rotate(-1deg);
  box-shadow: 0 5px 22px 0 rgba(34,68,118,0.13);
}

/*
========================================
   MOBILE MENU
========================================
*/
.mobile-menu-toggle {
  display: none;
  background: var(--secondary);
  color: var(--white);
  font-size: 2rem;
  padding: 6px 14px 8px 14px;
  border-radius: 10px 34px 10px 8px;
  margin-left: 12px;
  transition: background 0.18s, color 0.18s, transform 0.1s;
  z-index: 101;
}
.mobile-menu-toggle:active,
.mobile-menu-toggle:focus {
  background: var(--primary);
  color: var(--accent);
}
.mobile-menu {
  position: fixed;
  inset: 0 0 0 0;
  background: rgba(34,68,118,0.97);
  color: var(--white);
  z-index: 110;
  display: flex;
  flex-direction: column;
  transform: translateX(110vw);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.37s cubic-bezier(.87,.11,.19,.85), opacity 0.25s ease;
}
.mobile-menu.open {
  transform: translateX(0);
  opacity: 1;
  pointer-events: auto;
}
.mobile-menu-close {
  background: var(--accent);
  color: var(--primary);
  font-size: 2rem;
  margin: 24px 30px 0 auto;
  border-radius: 50%;
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.18s, color 0.18s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: var(--danger);
  color: var(--white);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 30px;
  margin: 70px 0 0 0;
  align-items: center;
}
.mobile-nav a {
  font-family: var(--font-display);
  font-size: 1.44rem;
  color: var(--accent);
  padding: 8px 22px;
  border-radius: 13px 22px 13px 8px;
  background: transparent;
  transition: background 0.2s, color 0.2s;
  width: 100%;
  text-align: center;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: var(--secondary);
  color: var(--white);
}

@media (max-width: 990px) {
  header nav { display: none; }
  .cta-btn { margin-left: 10px; font-size: 1rem; padding: 11px 22px; }
  .mobile-menu-toggle { display: inline-block; }
}
@media (min-width: 991px) {
  .mobile-menu, .mobile-menu-toggle { display: none !important; }
  header nav { display: flex; }
}

/*
========================================
  SECTIONS AND CARD LAYOUTS (with FLEX)
========================================
*/
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: var(--white);
  border-radius: 24px 8px 24px 8px;
  box-shadow: 0 3px 20px 0 rgba(34,68,118,0.09);
  margin-bottom: 20px; /* MANDATORY spacing */
  position: relative;
  padding: 26px 22px 22px 22px;
  display: flex;
  flex-direction: column;
  min-width: 230px;
  max-width: 360px;
}
.card img {
  height: 54px;
  width: 54px;
  object-fit: contain;
  margin-bottom: 18px;
}

.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: 768px) {
  .text-image-section { flex-direction: column; }
  .content-grid { flex-direction: column; }
  .card-container { flex-direction: column; }
}

/* Feature grid on home page */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: space-between;
  margin-bottom: 22px;
}
.feature-grid li {
  background: var(--secondary);
  color: var(--white);
  border-radius: 24px 8px 24px 8px;
  padding: 24px 28px;
  flex: 1 1 220px;
  box-shadow: 0 4px 22px rgba(92,198,163,.13);
  min-width: 190px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 20px;
}
.feature-grid li img {
  width: 48px; height: 48px; margin-bottom: 8px;
}
.feature-grid li h3 {
  color: var(--white); margin-bottom: 2px; font-size: 1.15rem;
}

/* Workshop/service lists */
.service-list,
.workshop-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 26px;
}
.service-list li,
.workshop-list li {
  background: var(--white);
  border-left: 6px solid var(--accent);
  border-radius: 16px 28px 8px 15px;
  box-shadow: 0 3px 20px rgba(34,68,118,0.05);
  padding: 20px 22px 18px 18px;
  flex: 1 1 210px;
  display: flex; flex-direction: column;
  gap: 6px;
  position: relative;
}
.price {
  color: var(--secondary);
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: .03em;
  margin-top: 8px;
  font-size: 1rem;
}

.team-members,
.values-list,
.session-overview,
.benefit-list,
.resource-list, .faq-list {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  margin-top: 15px;
  margin-bottom: 15px;
}
.team-members li, .values-list li, .benefit-list li, .resource-list li {
  background: var(--gray);
  border-radius: 18px 22px 8px 18px;
  box-shadow: 0 2.5px 14px 0 rgba(92,198,163,0.07);
  padding: 18px 18px 16px 16px;
  min-width: 180px;
  flex: 1 1 170px;
  display: flex; flex-direction: column; gap: 6px;
  margin-bottom: 20px;
}
.values-list li,
.benefit-list li {
  flex-direction: row;
  align-items: center;
  gap: 15px;
  min-width: 190px;
  background: var(--white);
}
.values-list li img,
.benefit-list li img,
.resource-list li img {
  width: 36px;
  height: 36px;
}
.resource-list li a {
  margin-top: 6px;
  color: var(--primary);
  font-weight: 600;
  font-family: var(--font-display);
  background: var(--accent);
  border-radius: 11px 7px 12px 7px;
  padding: 5px 14px;
  transition: background 0.16s, color 0.16s;
  margin-left: 7px;
}
.resource-list li a:hover { background: var(--secondary); color: var(--white); }

.finance-glossary {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 14px;
}

.map-embed {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-top: 8px;
}

.timeline {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 8px;
}

.text-section {
  max-width: 650px;
  display: flex;
  flex-direction: column;
  gap: 15px;
}

.highlights {
  background: var(--secondary);
  color: var(--white);
  border-radius: 15px 30px 8px 18px;
  padding: 12px 23px;
  font-family: var(--font-display);
  font-size: 1.1em;
  margin-top: 10px;
  box-shadow: 0 4px 18px rgba(92,198,163,0.09);
}

/* CTA Section */
.cta, .cta.final {
  background: var(--accent);
  padding: 38px 0 38px 0;
  border-radius: 0 0 60px 0;
  margin-top: 48px;
  box-shadow: 0 8px 34px 0 rgba(248,200,64,0.08);
}
.cta .container, .cta.final .container {
  align-items: center;
  text-align: center;
}
.cta .cta-btn, .cta.final .cta-btn {
  margin-top: 18px;
  font-size: 1.24rem;
}
.cta h2, .cta.final h2 { color: var(--primary); }
.cta p, .cta.final p { color: #434343; margin-bottom: 10px; }

/* ==================
   TESTIMONIALS
   ================== */
.testimonials {
  background: var(--secondary);
  padding: 36px 0;
  margin-bottom: 60px;
}
.testimonials .container { align-items: stretch; }
.testimonials .content-wrapper {
  gap: 32px;
  align-items: stretch;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: var(--white);
  color: var(--primary);
  border-radius: 18px 18px 12px 24px;
  box-shadow: 0 3px 20px 0 rgba(34,68,118,0.09);
  margin-bottom: 20px;
  font-size: 1.08rem;
  line-height: 1.5;
  max-width: 650px;
  position: relative;
  z-index: 1;
}
.testimonial-card strong {
  color: var(--secondary);
  font-weight: 700;
}

/* Ensure text is dark on white for accessibility */
.testimonial-card p, .testimonial-card strong, .testimonial-card div {
  color: var(--primary);
}

@media (max-width: 700px) {
  .feature-grid, .service-list, .workshop-list, .values-list, .benefit-list, .resource-list, .team-members {
    flex-direction: column;
    gap: 20px;
  }
  .testimonials .content-wrapper { gap: 20px; }
}

/* ===============
   FOOTER
   =============== */
footer {
  background: var(--primary);
  color: var(--white);
  padding: 28px 0 10px 0;
  box-shadow: 0 -2px 12px 0 rgba(34,68,118,0.12);
  margin-top: 38px;
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 19px;
  align-items: flex-start;
}
footer nav {
  display: flex;
  flex-direction: row;
  gap: 28px;
  margin-bottom: 7px;
}
footer nav a {
  color: var(--accent);
  font-family: var(--font-display);
  font-size: 1.07rem;
  letter-spacing: .05em;
  border-radius: 8px 16px 8px 6px;
  padding: 4px 10px;
  transition: background 0.2s, color 0.2s;
}
footer nav a:hover, footer nav a:focus {
  background: var(--secondary);
  color: var(--white);
}
footer div { font-size: 0.98rem; word-break: break-word; }

@media (max-width:700px) {
  footer .container {
    align-items: flex-start;
    gap: 12px;
  }
  footer nav { flex-direction: column; gap: 6px; }
}

/* ===========================
   BUTTONS & INTERACTION
   =========================== */
button,
input[type=button],
input[type=submit] {
  font-family: var(--font-display);
  background: var(--secondary);
  color: var(--white);
  padding: 10px 24px;
  border-radius: 17px 22px 10px 7px;
  font-weight: 600;
  font-size: 1.08rem;
  border: none;
  cursor: pointer;
  transition: background 0.16s, color 0.16s, box-shadow 0.18s;
  box-shadow: 0 3px 14px 0 rgba(92,198,163,0.10);
}
button:hover, button:focus,
input[type=button]:hover, input[type=button]:focus,
input[type=submit]:hover, input[type=submit]:focus {
  background: var(--primary);
  color: var(--accent);
  outline: none;
  box-shadow: 0 6px 20px 0 rgba(34,68,118,0.16);
}
a.button, a.cta-btn {
  display: inline-block;
  text-align: center;
}

/* Link transitions globally */
a,
.cta-btn, .service-list li a, .resource-list li a {
  transition: color 0.13s, background 0.16s, border 0.16s;
}

/* ===============================
   COOKIES CONSENT & PREF MODAL
   =============================== */
.cookie-consent-banner {
  position: fixed;
  bottom: 0;
  width: 100vw;
  left: 0;
  background: var(--secondary);
  color: var(--white);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 15px;
  padding: 20px 10px 24px 10px;
  box-shadow: 0 -2px 22px 0 rgba(34,68,118,0.11);
  z-index: 999;
  font-family: var(--font-body);
  font-size: 1rem;
  animation: slideUpBanner 0.36s ease;
}
@keyframes slideUpBanner {
  from { transform: translateY(100%); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-banner-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
  margin-top: 4px;
}
.cookie-btn {
  background: var(--accent);
  color: var(--primary);
  border-radius: 11px 22px 10px 7px;
  padding: 8px 20px;
  border: none;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  margin: 0 2px;
  box-shadow: 0 2px 11px 0 rgba(248,200,64,0.07);
  transition: background 0.15s, color 0.15s;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: var(--primary);
  color: var(--accent);
}
.cookie-btn.settings {
  background: var(--gray);
  color: var(--primary);
}
.cookie-btn.reject {
  background: var(--danger);
  color: var(--white);
}
.cookie-btn.reject:hover {
  background: #a92a17;
}

/* COOKIES PREFERENCE MODAL */
.cookie-modal-overlay {
  position: fixed; inset: 0; background: rgba(34,68,118,.63);
  z-index: 1002;
  display: flex; align-items: center; justify-content: center;
  animation: fadeInOverlay 0.24s;
}
@keyframes fadeInOverlay {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-preferences-modal {
  background: var(--white);
  color: var(--dark);
  min-width: 310px;
  max-width: 96vw;
  border-radius: 22px 12px 25px 10px;
  box-shadow: 0 6px 55px 0 rgba(34,68,118,0.18);
  padding: 36px 26px 28px 26px;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 19px;
  animation: popModal 0.28s;
}
@keyframes popModal {
  from { transform: scale(0.93); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.cookie-modal-close {
  position: absolute;
  top: 20px; right: 20px;
  background: var(--gray);
  color: var(--primary);
  font-size: 1.5rem;
  border-radius: 50%;
  width: 34px; height: 34px;
  display: flex;
  align-items: center; justify-content: center;
  transition: background 0.16s, color 0.16s;
  border: none;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: var(--danger);
  color: var(--white);
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 10px;
}
.cookie-category label {
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--primary);
}
.cookie-switch {
  width: 45px; height: 26px;
  background: var(--gray);
  display: inline-block;
  border-radius: 13px;
  position: relative;
  transition: background 0.16s;
  vertical-align: middle;
}
.cookie-switch input {
  opacity: 0;
  width: 0; height: 0;
}
.cookie-switch span {
  position: absolute;
  top: 4px; left: 4px;
  width: 18px; height: 18px;
  background: var(--secondary);
  border-radius: 50%;
  transition: left 0.18s, background 0.16s;
}
.cookie-switch input:checked + span {
  left: 23px;
  background: var(--accent);
}
/* Essential cookies forced-on state */
.cookie-category.essential .cookie-switch span {
  background: var(--primary);
}
.cookie-category.essential .cookie-switch input {
  display: none;
}

/* ========================
   SUCCESS PAGE VARIATION
   ======================== */
.success {
  background: var(--secondary);
  color: var(--white);
  padding: 44px 0;
  min-height: 340px;
}
.success .text-section {
  color: var(--white);
}
.success h1, .success h2 { color: var(--accent); }
.success .cta-btn { margin-top: 18px; }

/* =====================
  MEDIA QUERIES
  ===================== */
@media (max-width: 680px) {
  .container {
    padding: 0 8px;
  }
  h1 { font-size: 2.1rem; }
  h2 { font-size: 1.41rem; }
}
@media (max-width: 500px) {
  header .container { flex-direction: column; align-items: flex-start;
    gap: 8px; padding: 9px 3vw; }
  .cta-btn { padding: 10px 14px; font-size: 0.97rem; }
  .section { padding: 25px 8px; }
  .card, .feature-grid li, .team-members li, .values-list li, .benefit-list li, .resource-list li {
    padding: 14px 10px 12px 10px;
    min-width: unset;
    font-size: 0.95rem;
  }
}

/* Artistic element: playful shapes on hero (decorative only, non-content) */
.hero::after {
  content: '';
  position: absolute;
  right: -10vw;
  top: -70px;
  width: 320px; height: 320px;
  background: var(--accent);
  opacity: 0.11;
  border-radius: 50%;
  z-index: 1;
}
.hero::before {
  content: '';
  position: absolute;
  left: -45px;
  bottom: -70px;
  width: 170px; height: 170px;
  background: var(--secondary);
  opacity: 0.13;
  border-radius: 32% 80% 76% 30% / 18% 59% 52% 98%;
  z-index: 1;
}

/* =========================
  MICRO INTERACTIONS & EFFECTS
  ========================= */
.card, .feature-grid li, .service-list li, .workshop-list li, .testimonial-card,
.team-members li, .values-list li, .resource-list li, .benefit-list li {
  transition: box-shadow 0.2s, transform 0.18s;
}
.card:hover, .feature-grid li:hover, .service-list li:hover, .workshop-list li:hover,
.team-members li:hover, .resource-list li:hover, .benefit-list li:hover {
  box-shadow: 0 8px 36px 0 rgba(34,68,118,0.13);
  transform: translateY(-5px) scale(1.012) rotate(-1deg);
  z-index: 2;
}
.testimonial-card:hover {
  transform: scale(1.012) translateY(-2px) rotate(1deg);
  box-shadow: 0 8px 38px 0 rgba(34,68,118,0.17);
  z-index: 2;
}

/* Inputs inside modals or forms (if added) */
input, textarea {
  border: 1.7px solid var(--secondary);
  border-radius: 7px 13px 6px 10px;
  padding: 8px 11px;
  font-size: 1rem;
  font-family: var(--font-body);
  margin-bottom: 10px;
  transition: border 0.18s;
  background: #FAFAFD;
  color: var(--dark);
}
input:focus, textarea:focus {
  border-color: var(--primary);
  outline: none;
}

/* Accessibility focus for all links/buttons */
a:focus, button:focus, .cta-btn:focus, .mobile-menu-toggle:focus, .mobile-menu-close:focus {
  outline: 2.5px solid var(--accent);
  outline-offset: 2px;
  box-shadow: 0 0 0 4px rgba(248,200,64,0.20);
}

/*
=======================================
  FLEXBOX HELPERS (no grid at all!)
=======================================
*/
.features {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}
.card-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 24px;
}

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