/* 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; scroll-behavior: smooth; }
body {
  background: #FDF6F0;
  color: #21374C;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  min-height: 100vh;
  letter-spacing: 0.01em;
}
*, *:before, *:after { box-sizing: inherit; }
img { max-width: 100%; display: block; }
ul, ol { list-style-type: none; }
a { color: #5C77A3; text-decoration: none; transition: color 0.2s; }
a:focus { outline: 2px solid #b3c0db; outline-offset: 3px; }
a:hover, a:active { color: #3A5985; }

/* Brand Color Palette / Pastel Accents */
:root {
  --primary: #0F2747; /* Brand Navy */
  --secondary: #839CB5; /* Brand Blue Gray */
  --accent: #FDF6F0; /* Brand Soft Accent BG */
  --pastel-blue: #D7E5F3;
  --pastel-green: #E2F7EC;
  --pastel-pink: #F9EAF6;
  --pastel-yellow: #FFF5D6;
  --pastel-violet: #E2E4F6;
  --shadow: 0 2px 8px rgba(24,32,58,0.06);
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', serif;
  color: var(--primary);
  font-weight: 700;
}
h1 { font-size: 2.5rem; margin-bottom: 20px; }
h2 { font-size: 2rem; margin-bottom: 16px; }
h3 { font-size: 1.4rem; margin-bottom: 12px; }
h4, h5, h6 { font-size: 1.15rem; margin-bottom: 10px; }
.subheadline {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1.15rem;
  color: var(--secondary);
  margin-bottom: 20px;
}
p, ul, ol {
  margin-bottom: 18px;
  font-size: 1rem;
  color: #32363a;
}
strong, b { font-weight: 600; color: var(--primary); }

/* CONTAINER & SPACING PATTERNS */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 16px;
  width: 100%;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: none;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}

.section:last-child {
  margin-bottom: 0;
}
.card-container, .features-grid, .bank-review-list, .guide-topics-grid, .feature-teasers, .testimonial-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
}
.card, .feature-teasers > div, .features-grid > div, .guide-topics-grid > div, .bank-review-list > div {
  background: white;
  border-radius: 14px;
  box-shadow: var(--shadow);
  padding: 24px 20px;
  margin-bottom: 20px;
  position: relative;
  min-width: 240px;
  flex: 1 1 290px;
  transition: box-shadow 0.18s;
}
.card:hover, .feature-teasers > div:hover, .features-grid > div:hover, .guide-topics-grid > div:hover, .bank-review-list > div:hover {
  box-shadow: 0 4px 20px rgba(24,32,58,0.10);
  z-index: 2;
}
.content-grid, .contact-details {
  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-list {
  width: 100%;
  gap: 24px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  padding: 20px 22px;
  background: var(--pastel-blue);
  border-radius: 14px;
  box-shadow: 0 2px 20px rgba(136,155,188,0.10);
  margin-bottom: 20px;
  min-width: 250px;
  max-width: 350px;
  color: #1d2841;
  font-size: 1.07rem;
}
.testimonial-card span {
  font-family: 'Roboto', Arial, sans-serif;
  color: var(--primary);
  font-weight: 500;
  font-size: 0.98rem;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* HEADER & NAVBAR */
header {
  width: 100%;
  box-shadow: 0 2px 12px 0 rgba(47,82,124,0.025);
  background: linear-gradient(90deg, var(--pastel-blue), var(--accent), var(--pastel-pink));
  padding: 0;
  position: relative;
  z-index: 30;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
}
header nav {
  display: flex;
  gap: 20px;
  font-size: 1rem;
  align-items: center;
}
header nav a {
  font-family: 'Roboto', Arial, sans-serif;
  padding: 7px 12px;
  color: var(--primary);
  border-radius: 8px;
  transition: background 0.17s;
}
header nav a.active, header nav a:hover {
  background: var(--pastel-blue);
  color: #263552;
}
.btn-primary {
  background: linear-gradient(90deg, #F6C5DF, #A1CAEA 58%, #E2F7EC);
  color: var(--primary);
  border: none;
  border-radius: 23px;
  padding: 11px 32px;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1.08rem;
  font-weight: 600;
  box-shadow: 0 2px 8px rgba(136,155,188,0.09);
  cursor: pointer;
  transition: background 0.22s, color 0.2s, box-shadow 0.13s;
  outline: none;
  display: inline-block;
  margin-top: 10px;
  margin-bottom: 10px;
}
.btn-primary:hover, .btn-primary:focus {
  background: linear-gradient(90deg, #E2F7EC, #F9EAF6 85%, #A1CAEA);
  color: #1a2453;
  box-shadow: 0 4px 15px 0 rgba(136,155,188,0.17);
}

/* Mobile Navigation (Burger Menu) */
.mobile-menu-toggle {
  display: none;
  background: var(--pastel-violet);
  border-radius: 50%;
  border: none;
  padding: 8px 16px;
  font-size: 2rem;
  color: var(--primary);
  cursor: pointer;
  z-index: 101;
}
.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  background: linear-gradient(135deg, var(--pastel-blue) 0%, var(--pastel-pink) 100%);
  box-shadow: 0 10px 32px 0 rgba(47,82,124,0.09);
  transform: translateX(-100vw);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.33s cubic-bezier(.77,0,.18,1), opacity 0.25s;
  z-index: 200;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  opacity: 1;
  visibility: visible;
}
.mobile-menu-close {
  background: none;
  border: none;
  font-size: 2.5rem;
  color: var(--primary);
  position: absolute;
  top: 24px;
  right: 32px;
  cursor: pointer;
  padding: 6px 10px;
  z-index: 201;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 30px;
  margin-top: 88px;
  width: 100%;
  align-items: center;
}
.mobile-nav a {
  font-size: 1.25rem;
  color: var(--primary);
  background: rgba(255,255,255,0.45);
  border-radius: 18px;
  padding: 14px 32px;
  margin: 0 auto;
  width: 85%;
  text-align: center;
  font-family: 'Roboto', Arial, sans-serif;
  font-weight: 500;
  transition: background 0.17s, color 0.12s;
}
.mobile-nav a:hover, .mobile-nav a:active {
  background: var(--pastel-yellow);
  color: #456189;
}

/* Footer */
footer {
  background: linear-gradient(90deg, var(--pastel-blue), var(--accent), var(--pastel-pink));
  color: var(--primary);
  padding: 0;
  width: 100%;
  box-shadow: 0 -3px 20px rgba(100,120,160,0.041);
  margin-top: 50px;
  font-size: 1rem;
  position: relative;
  z-index: 10;
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 24px;
  align-items: flex-start;
  padding: 32px 16px 22px 16px;
  max-width: 1100px;
  margin: 0 auto;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.12rem;
}
.footer-brand img {
  height: 44px;
  margin-right: 10px;
}
.footer-menu {
  display: flex;
  flex-wrap: wrap;
  gap: 21px;
}
.footer-menu a {
  color: var(--primary);
  font-size: 1rem;
  border-radius: 10px;
  padding: 7px 13px;
  transition: background 0.15s;
}
.footer-menu a:hover { background: var(--pastel-blue); }
.footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 32px;
  align-items: center;
  font-size: 0.98rem;
}
.footer-contact span {
  display: flex;
  align-items: center;
  gap: 8px;
}
.newsletter-section {
  background: var(--pastel-green);
  border-radius: 14px;
  padding: 20px 22px;
  box-shadow: 0 1px 8px rgba(36,82,82,0.05);
  width: 100%;
  margin-top: 8px;
}
.newsletter-section h3 {
  margin-bottom: 8px;
  color: var(--primary);
  font-size: 1.18rem;
}

/* Table Styling (for Comparison Table) */
table {
  width: 100%;
  border-collapse: collapse;
  background: var(--pastel-violet);
  margin: 24px 0 18px 0;
  border-radius: 12px;
  overflow: hidden;
}
th, td {
  padding: 13px 20px;
  text-align: left;
}
th {
  background: var(--pastel-blue);
  font-weight: 600;
  color: var(--primary);
}
td {
  color: #2d445d;
  font-size: 0.99rem;
  background: rgba(255,255,255,0.9);
}
tr:nth-child(even) td { background: var(--pastel-green); }
table thead tr { border-bottom: 2px solid var(--secondary); }

/* FAQ Accordion */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.faq-accordion > div {
  background: var(--pastel-pink);
  border-radius: 10px;
  box-shadow: 0 2px 10px rgba(170,158,206,0.09);
  padding: 16px 22px;
  margin-bottom: 12px;
}
.faq-accordion h3 {
  font-size: 1.1rem;
  cursor: pointer;
  font-weight: 700;
  color: var(--primary);
  transition: color 0.13s;
}
.faq-accordion h3:hover { color: #933e7d; }
.faq-answer {
  transition: max-height 0.33s, opacity 0.25s;
  overflow: hidden;
}
.faq-accordion .faq-answer p {
  font-size: 1rem;
  color: #425074;
  padding-top: 5px;
  margin-bottom: 0;
}

/* Review/Criteria Lists */
.review-criteria, .popular-guides, .tip-of-the-day, .comparison-tools {
  margin-top: 10px;
  margin-bottom: 18px;
  background: var(--pastel-violet);
  border-radius: 10px;
  padding: 16px 20px;
}
.tip-of-the-day {
  background: var(--pastel-yellow);
  border-left: 6px solid var(--secondary);
}
.popular-guides ul, .review-criteria ul, .insurance-types ul {
  list-style: disc inside;
  margin-left: 1em;
}


.text-section {
  padding-left: 0;
  padding-right: 0;
}
.text-section h2 { margin-bottom: 7px; }
.text-section ul { margin-bottom: 14px; }

/* Contact Details / CTA Block */
.contact-details {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 20px;
}
.contact-details > div {
  flex: 1 1 220px;
  background: var(--pastel-blue);
  border-radius: 11px;
  box-shadow: 0 1px 10px rgba(136,155,188,0.06);
  padding: 16px 14px;
  color: #29445e;
  font-size: 1rems;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
}
.cta-block {
  display: flex;
  align-items: center;
  margin-top: 20px;
}

/* Thank You Message */
.thank-you-message {
  background: var(--pastel-green);
  border-radius: 12px;
  padding: 24px 24px 18px 24px;
  color: #1d3844;
  font-size: 1.09rem;
  margin-bottom: 16px;
}

/* Responsive Design: Mobile-First, break at 768px */
@media (max-width: 980px) {
  .container, footer .container {
    padding: 0 10px;
    max-width: 99vw;
  }
}
@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.28rem; }
  .container, footer .container { padding: 0 7px; }
  .section { padding: 30px 6px; }
  .features-grid, .card-container, .feature-teasers, .testimonial-list, .content-grid, .contact-details, .guide-topics-grid, .bank-review-list {
    flex-direction: column;
    gap: 19px;
  }
  .feature-teasers > div, .features-grid > div, .guide-topics-grid > div, .bank-review-list > div, .testimonial-card, .contact-details > div {
    min-width: 0;
    max-width: 100vw;
    width: 100%;
    margin-bottom: 12px;
  }
  header .container { flex-direction: row; gap: 0; }
  header nav, .btn-primary { display: none; }
  .mobile-menu-toggle { display: block; position: absolute; right: 16px; top: 18px; }
  .mobile-menu { padding: 0 0 15px 0; }
  .footer-contact { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer-brand { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer-menu { flex-direction: column; gap: 8px; }
  .newsletter-section { padding: 18px 10px; }
  .text-image-section { flex-direction: column; gap: 18px; }
  .cta-block { flex-direction: column; }
}
@media (max-width: 510px) {
  h1 { font-size: 1.33rem; }
  h2 { font-size: 1.07rem; }
  .section { padding: 18px 3px; }
  .btn-primary { font-size: 0.97rem; padding: 9px 18px; }
}

/* Animations */
.btn-primary, .mobile-menu, .faq-answer {
  transition: all 0.25s cubic-bezier(.57,.21,0,1.01);
}
.mobile-menu, .mobile-menu-close, .btn-primary, .testimonials-card {
  will-change: transform, opacity;
}

/* Micro-Interactions */
.btn-primary:hover {
  transform: translateY(-2px) scale(1.04);
}
nav a, .footer-menu a, .mobile-nav a {
  transition: color 0.13s, background 0.18s;
}

/* Cookie Consent Banner */
.cookie-consent-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100vw;
  z-index: 3333;
  background: linear-gradient(90deg, var(--pastel-yellow), var(--pastel-pink) 60%, var(--pastel-blue));
  box-shadow: 0 -3px 30px 0 rgba(50,56,97,0.13);
  display: flex;
  flex-direction: row;
  align-items: center;
  padding: 22px 20px 22px 30px;
  gap: 30px;
  font-size: 1.08rem;
  font-family: 'Roboto', Arial, sans-serif;
  opacity: 0.985;
}
.cookie-consent-banner .cookie-consent-message {
  flex: 2 1 0%;
  color: #18335B;
  margin-right: 15px;
}
.cookie-consent-buttons {
  display: flex;
  flex-direction: row;
  gap: 15px;
}
.cookie-consent-btn {
  border: none;
  border-radius: 16px;
  padding: 9px 22px;
  font-size: 1rem;
  font-family: inherit;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.18s, color 0.13s, box-shadow 0.11s;
  background: var(--pastel-blue);
  color: var(--primary);
  box-shadow: 0 2px 8px rgba(136,155,188,0.06);
}
.cookie-consent-btn.accept {
  background: var(--pastel-green);
  color: var(--primary);
}
.cookie-consent-btn.reject {
  background: var(--pastel-pink);
  color: #933e7d;
}
.cookie-consent-btn.settings {
  background: var(--pastel-yellow);
  color: #9a8e43;
}
.cookie-consent-btn:hover, .cookie-consent-btn:focus {
  background: var(--pastel-violet);
  box-shadow: 0 4px 16px rgba(38,53,82,0.15);
}
@media (max-width:600px) {
  .cookie-consent-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 12px 5px 13px 12px;
    font-size: 0.97rem;
  }
  .cookie-consent-message { margin: 0 0 10px 0; }
}
/* Cookie Modal */
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(24,39,81,0.28);
  z-index: 3334;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.19s;
}
.cookie-modal-overlay.open {
  opacity: 1;
  pointer-events: auto;
}
.cookie-modal {
  background: linear-gradient(130deg, var(--pastel-blue), var(--pastel-pink) 60%, var(--pastel-green));
  border-radius: 18px;
  box-shadow: 0 6px 50px 0 rgba(35,54,80,0.15);
  padding: 33px 38px 28px 38px;
  min-width: 280px;
  max-width: 96vw;
  color: var(--primary);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 15px;
}
.cookie-modal h3 { font-size: 1.28rem; margin-bottom: 10px; }
.cookie-modal .category-list {
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin-bottom: 16px;
}
.cookie-modal .category {
  background: var(--pastel-yellow);
  border-radius: 10px;
  padding: 11px 16px;
  font-size: 1.07rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.cookie-modal .category input[type=checkbox] {
  width: 22px;
  height: 22px;
  accent-color: #66b4a7;
  margin-left: 16px;
}
.cookie-modal .category.essential {
  opacity: 0.77;
  font-style: italic;
  color: #6d6970;
}
.cookie-modal-close {
  position: absolute;
  right: 18px;
  top: 17px;
  background: none;
  border: none;
  font-size: 2rem;
  color: #964d70;
  cursor: pointer;
  padding: 4px 8px;
}
.cookie-modal-actions {
  display: flex;
  gap: 14px;
  flex-direction: row;
  margin-top: 8px;
}
@media (max-width: 500px) {
  .cookie-modal { padding: 18px 7px 17px 11px; min-width: 0; }
}

/* Utility Classes */
.text-center { text-align: center; }
.mt-24 { margin-top: 24px !important; }
.mb-20 { margin-bottom: 20px !important; }

/* Hide visually when needed */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

::-webkit-input-placeholder { color: #B3B6C7; }
::-moz-placeholder { color: #B3B6C7; }
:-ms-input-placeholder { color: #B3B6C7; }
::placeholder { color: #B3B6C7; }

/* Custom Scrollbar: subtle pastel */
body::-webkit-scrollbar { width: 10px; background: var(--pastel-blue); }
body::-webkit-scrollbar-thumb {
  background: var(--pastel-pink);
  border-radius: 12px;
}

/* Ensure min 20px between cards & sections */
.section + .section { margin-top: 24px; }
.card + .card, .testimonial-card + .testimonial-card, .features-grid > div + div, .feature-teasers > div + div { margin-left: 0; margin-top: 20px; }
@media (min-width: 650px) {
  .testimonial-list, .features-grid, .feature-teasers, .guide-topics-grid, .card-container {
    flex-direction: row;
    gap: 24px;
  }
  .testimonial-card, .features-grid > div, .feature-teasers > div, .guide-topics-grid > div {
    margin-top: 0;
    margin-left: 0;
  }
}

/* Subtle Dreamy Shadows */
.card, .footer-contact > span, .newsletter-section, .testimonial-card, .contact-details > div, .faq-accordion > div {
  box-shadow: 0 2px 12px 0 rgba(140,167,220,0.07);
}

/* Focus indicators for accessibility */
:focus { outline: 2px solid #82CEF3; outline-offset: 1px; }

/* Hide Desktop Nav on Mobile */
@media (max-width: 768px) {
  header nav { display: none !important; }
  .btn-primary { display: none !important; }
}

/* Show Mobile Menu Toggle */
@media (max-width: 768px) {
  .mobile-menu-toggle { display: block !important; }
}

/* Ensure no absolute position for content blocks */
.card, .features-grid > div, .feature-teasers > div, .guide-topics-grid > div, .testimonial-card, .contact-details > div, .bank-review-list > div {
  position: relative;
}

/* Prevent Overlap by Adequate Spacing */
.card, .testimonial-card, .features-grid > div, .feature-teasers > div, .guide-topics-grid > div, .contact-details > div, .bank-review-list > div {
  margin-bottom: 20px;
}

/* End of style.css */