/* RESET & BASE STYLES ------------------------------------------------- */
html {
  box-sizing: border-box;
  font-size: 16px;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
  margin: 0;
  padding: 0;
}
body {
  min-height: 100vh;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  color: #18416D;
  background-color: #F9FAFC;
  background-image: repeating-linear-gradient(135deg, #B5C9D9 0 1px, transparent 1px 16px);
  /* subtle wintery grid effect */
  font-size: 1rem;
  line-height: 1.7;
  letter-spacing: 0.01em;
}
img, svg {
  max-width: 100%;
  vertical-align: middle;
}
a {
  color: #18416D;
  text-decoration: none;
  transition: color 0.2s cubic-bezier(.47,1.64,.41,.8);
}
a:hover, a:focus {
  color: #0D2640;
  text-decoration: underline;
}
ul, ol {
  padding-left: 1.3em;
  margin: 1em 0;
}
li {
  margin-bottom: 0.5em;
  font-size: 1rem;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  margin-bottom: 18px;
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: 0.04em;
}
h1 {
  font-size: 2.5rem;
  color: #18416D;
}
h2 {
  font-size: 2rem;
  color: #1360a2;
}
h3 {
  font-size: 1.3rem;
  color: #5C346B;
}
strong {
  font-weight: 700;
}
.subtitle {
  font-size: 1.15rem;
  color: #4dc0fa;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  margin-bottom: 18px;
  letter-spacing: 0.05em;
}
.caption {
  font-size: 0.98rem;
  color: #777;
  margin-top: 8px;
}
.container {
  width: 100%;
  max-width: 1150px;
  margin: 0 auto;
  padding-left: 16px;
  padding-right: 16px;
}
.content-wrapper {
  margin-bottom: 60px;
  padding: 40px 20px;
}
/* Flexible section spacing */
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.text-section {
  margin-bottom: 32px;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
/* FLEX LAYOUTS ---------------------------------------------------------- */
.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 18px;
}
.card-container, .card-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 6px 22px 0 rgba(55,48,128,0.10);
  margin-bottom: 20px;
  padding: 24px 20px;
  position: relative;
  transition: transform 0.18s cubic-bezier(.47,1.64,.41,.8), box-shadow 0.2s;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-width: 220px;
}
.card:hover, .card:focus {
  transform: translateY(-8px) scale(1.04) rotate(-1deg);
  box-shadow: 0 12px 28px -4px #5C346B33;
}
.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;
  margin-bottom: 20px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 20px;
  margin-bottom: 24px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 8px 24px -8px #18416D22;
  color: #18416D;
  font-size: 1.11rem;
  position: relative;
  min-width: 210px;
  z-index: 1;
  transition: box-shadow 0.2s, transform 0.2s;
}
.testimonial-card:hover {
  box-shadow: 0 12px 32px -8px #B5C9D955;
  transform: rotate(1deg) scale(1.03);
}
.testimonial-card p {
  color: #18416D;
  font-style: italic;
  font-size: 1.03rem;
}
.testimonial-card strong {
  color: #1360a2;
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.advisor-profiles ul {
  margin-top: 12px;
  margin-bottom: 16px;
}
.advisor-profiles li {
  font-size: 1rem;
}
/* CTA BUTTONS ----------------------------------------------------------- */
.cta-primary {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  background: #4dc0fa;
  color: #18416D;
  padding: 13px 32px;
  border: none;
  border-radius: 2em;
  box-shadow: 0 3px 16px -8px #18416D33;
  font-size: 1.14rem;
  margin: 12px 0;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: background 0.18s, color 0.18s, transform 0.14s cubic-bezier(.86,0,.07,1), box-shadow 0.2s;
  position: relative;
  outline: none;
}
.cta-primary:hover, .cta-primary:focus {
  background: #2bd7d1;
  color: #fff;
  transform: scale(1.06) rotate(-1.5deg);
  box-shadow: 0 5px 22px -2px #4dc0fa44;
}
.cta-primary:active {
  background: #62d5f5;
  color: #18416D;
}
/* HEADER & NAV --------------------------------------------------------- */
header {
  background: #fff;
  box-shadow: 0 4px 12px -6px #B5C9D955;
  min-height: 66px;
  width: 100%;
  position: sticky;
  top: 0;
  z-index: 101;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding-top: 14px;
  padding-bottom: 14px;
}
header nav {
  display: flex;
  gap: 18px;
  align-items: center;
}
header nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.05rem;
  font-weight: 500;
  padding: 7px 14px;
  margin: 0;
  border-radius: 9px;
  color: #18416D;
  transition: background 0.18s, color 0.18s;
  position: relative;
}
header nav a:hover, header nav a:focus {
  background: #F3EDE5;
  color: #1360a2;
}
.mobile-menu-toggle {
  background: #4dc0fa;
  color: #18416D;
  font-size: 2rem;
  padding: 7px 20px;
  border: none;
  border-radius: 50%;
  margin-left: 8px;
  cursor: pointer;
  display: flex;
  align-items: center;
  transition: background 0.22s, color 0.22s, transform 0.18s;
  z-index: 113;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #18416D;
  color: #fff;
  transform: scale(1.05) rotate(4deg);
}
/* Hide mobile menu on desktop */
.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  width: 100vw;
  min-height: 100vh;
  z-index: 120;
  background: #B5C9D9;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  justify-content: flex-start;
  transform: translateX(100%);
  transition: transform 0.33s cubic-bezier(.77,0,.18,1);
  box-shadow: -8px 0 48px -8px #18416D22;
  pointer-events: none;
  opacity: 0.98;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: auto;
}
.mobile-menu-close {
  font-size: 2.0rem;
  background: #18416D;
  color: #fff;
  border: none;
  padding: 11px 20px 13px 20px;
  margin: 24px 18px 18px 0;
  border-radius: 100%;
  cursor: pointer;
  align-self: flex-end;
  box-shadow: 0 3px 16px -7px #18416D44;
  transition: background 0.14s, color 0.14s, transform 0.12s;
  z-index: 121;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #4dc0fa;
  color: #18416D;
  transform: scale(1.09);
}
.mobile-nav {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-start;
  margin-top: 16px;
  padding: 0 34px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: #18416D;
  padding: 13px 0 14px 6px;
  border-radius: 9px;
  width: 100%;
  transition: background 0.17s, color 0.17s;
  text-decoration: none;
  outline: none;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #F3EDE5;
  color: #0D2640;
}
/* Hide desktop nav on small screens, show burger only */
@media (max-width: 1020px) {
  header nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}
@media (min-width: 1021px) {
  .mobile-menu {
    display: none !important;
  }
  .mobile-menu-toggle {
    display: none !important;
  }
}
/* MAIN, SECTIONS & PAGE ELEMENTS ---------------------------------------- */
main {
  margin-bottom: 48px;
  min-height: 220px;
}
section, .section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: none;
}
.card img, .features-grid img {
  margin-bottom: 18px;
  max-height: 48px;
  filter: drop-shadow(0 3px 16px #5C346B11);
}
.features-grid > div {
  min-width: 180px;
  background: #fff;
  border-radius: 17px;
  box-shadow: 0 6px 20px -10px #4dc0fa33;
  padding: 22px 20px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.18s, transform 0.16s;
}
.features-grid > div:hover {
  box-shadow: 0 13px 26px -4px #4dc0fa66;
  transform: scale(1.025) rotate(-2deg);
}
div.content-wrapper > h1, div.content-wrapper > h2, div.content-wrapper > h3 {
  margin-bottom: 18px;
}
/* Animations for fun playful feel */
@keyframes playful-bounce {
  0%   { transform: translateY(0); }
  35%  { transform: translateY(-3px) scale(1.02) rotate(-0.9deg); }
  57%  { transform: translateY(1.5px) scale(1.01) rotate(1.1deg); }
  100% { transform: translateY(0); }
}
.cta-primary, .mobile-menu-close, .features-grid > div, .card {
  animation: playful-bounce 0.7s ease-in-out;
}
.card, .testimonial-card {
  transition: box-shadow 0.23s, transform 0.19s;
}
/* Footer Styles -------------------------------------------------------- */
footer {
  background: #18416D;
  padding: 30px 0 20px 0;
  color: #fff;
  width: 100%;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}
footer .container {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 25px 16px 4px 16px;
}
footer nav {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
  margin: 10px auto;
}
footer nav a {
  color: #B5C9D9;
  font-size: 1rem;
  transition: color 0.16s, text-decoration 0.14s;
  text-decoration: none;
  border-radius: 7px;
  padding: 4px 8px;
}
footer nav a:hover, footer nav a:focus {
  color: #fff;
  text-decoration: underline;
  background: #4dc0fa;
}
footer .text-section p {
  color: #B5C9D9;
  font-size: 0.97rem;
  margin-top: 12px;
}
footer img {
  border-radius: 17px;
}
/* MAPS & EMBEDS ------------------------------------------------------------- */
.map-embed {
  margin-top: 10px;
  background: #fff;
  border-radius: 15px;
  box-shadow: 0 4px 16px -4px #B5C9D955;
  padding: 17px 21px;
  font-size: 1rem;
}
/* FORMS & PLACEHOLDER TEXT ------------------------------------------------- */
input, textarea, select {
  border-radius: 10px;
  border: 1px solid #B5C9D9;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  padding: 12px 17px;
  font-size: 1rem;
  margin-bottom: 16px;
  outline: none;
  background: #fff;
  transition: border 0.17s;
}
input:focus, textarea:focus, select:focus {
  border-color: #4dc0fa;
}
::placeholder {
  color: #A1A3AF;
  opacity: 1;
}
/* COOKIE CONSENT BANNER & MODAL -------------------------------------------- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100%;
  background: #fff;
  color: #18416D;
  box-shadow: 0 -3px 20px -3px #B5C9D980;
  z-index: 1333;
  padding: 24px 24px 20px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 1rem;
  animation: fadeInUp 0.8s;
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(40px); }
  to   { opacity: 1; transform: translateY(0); }
}
.cookie-banner button {
  margin: 0 5px;
}
.cookie-accept, .cookie-reject, .cookie-settings {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  border: none;
  border-radius: 1.5em;
  padding: 8px 22px;
  font-size: 1.02rem;
  cursor: pointer;
  transition: background 0.17s, color 0.19s, transform 0.14s;
  margin-inline: 3px;
}
.cookie-accept {
  background: #2bd7d1;
  color: #18416D;
}
.cookie-accept:hover, .cookie-accept:focus {
  background: #18416D;
  color: #fff;
}
.cookie-reject {
  background: #F3EDE5;
  color: #18416D;
}
.cookie-reject:hover, .cookie-reject:focus {
  background: #ef4343;
  color: #fff;
}
.cookie-settings {
  background: #B5C9D9;
  color: #18416D;
}
.cookie-settings:hover, .cookie-settings:focus {
  background: #4dc0fa;
  color: #18416D;
}
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(24,65,109,0.76);
  z-index: 1340;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeInUp 0.32s;
}
.cookie-modal {
  background: #fff;
  border-radius: 22px;
  padding: 40px 32px 30px 32px;
  max-width: 420px;
  width: 95%;
  box-shadow: 0 12px 42px -8px #18416D88;
  z-index: 1341;
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  animation: playful-bounce 0.6s;
}
.cookie-modal h2 {
  margin-bottom: 14px;
  color: #18416D;
  font-size: 1.42rem;
}
.cookie-modal ul {
  margin: 18px 0 10px 0;
  list-style: none;
  width: 100%;
}
.cookie-modal li {
  margin-bottom: 16px;
  font-size: 1rem;
  display: flex;
  align-items: center;
  gap: 12px;
}
.cookie-modal label {
  font-weight: 500;
  font-size: 1.07rem;
  color: #18416D;
}
.cookie-switch {
  appearance: none;
  width: 40px;
  height: 22px;
  background: #B5C9D9;
  border-radius: 11px;
  position: relative;
  outline: none;
  cursor: pointer;
  transition: background 0.22s;
}
.cookie-switch:checked {
  background: #4dc0fa;
}
.cookie-switch:before {
  content: '';
  position: absolute;
  left: 3px;
  top: 3px;
  width: 16px;
  height: 16px;
  background: #fff;
  border-radius: 100%;
  box-shadow: 0 2px 6px -2px #18416D22;
  transition: left 0.24s;
}
.cookie-switch:checked:before {
  left: 21px;
}
.cookie-modal-actions {
  display: flex;
  gap: 14px;
  margin-top: 22px;
}
.cookie-modal .cookie-accept,
.cookie-modal .cookie-reject {
  font-size: 1.12rem;
  padding: 10px 22px;
}
.cookie-modal-close {
  position: absolute;
  right: 23px;
  top: 19px;
  background: transparent;
  color: #18416D;
  font-size: 1.7rem;
  border: none;
  cursor: pointer;
  transition: color 0.15s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  color: #ef4343;
}
/* UTILITIES & PLAYFUL EFFECTS ---------------------------------------------- */
@keyframes wiggle {
  0%, 100% { transform: rotate(-2.5deg); }
  25% { transform: rotate(2.5deg); }
  50% { transform: rotate(-3.5deg); }
  75% { transform: rotate(1.5deg); }
}
.card:hover:before, .features-grid > div:hover:before, .testimonial-card:hover:before {
  content: '';
  position: absolute;
  top: 12px; left: 12px;
  width: 18px;
  height: 18px;
  background: #4dc0fa;
  border-radius: 100%;
  opacity: 0.13;
  z-index: 0;
  pointer-events: none;
  animation: wiggle 0.92s linear infinite alternate;
}
.card::after, .features-grid > div::after {
  content: '';
  position: absolute;
  bottom: 10px; right: 18px;
  width: 25px; height: 10px;
  background: #F3EDE5;
  border-radius: 50%
  50% 30% 30%;
  opacity: 0.16;
}
.card, .testimonial-card, .features-grid > div {
  box-shadow: 0 8px 22px -8px #18416D12;
}
/* SPACING, GAPS, AND FLEX WRAPS ----------------------------------------- */
section, .section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
}
.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;
  align-items: center;
  gap: 20px;
  padding: 20px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
/* RESPONSIVE DESIGN ---------------------------------------------------- */
@media (max-width: 900px) {
  .features-grid {
    gap: 16px;
  }
  footer .container {
    gap: 12px;
    padding: 18px 8px 2px 8px;
  }
}
@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  header .container {
    padding-top: 7px;
    padding-bottom: 7px;
    gap: 8px;
  }
  .section, section, .content-wrapper {
    padding: 22px 7px;
    margin-bottom: 38px;
  }
  main {
    margin-bottom: 26px;
  }
  .features-grid, .card-container, .content-grid {
    flex-direction: column;
    gap: 18px;
  }
  .features-grid > div, .card, .testimonial-card {
    min-width: 0;
    width: 100%;
    padding: 16px;
  }
  .text-image-section {
    flex-direction: column;
    gap: 18px;
    align-items: stretch;
  }
  .advisor-profiles ul, .text-section ul, .text-section ol {
    padding-left: 1em;
  }
  .testimonial-card {
    font-size: 0.99rem;
    padding: 14px;
    gap: 10px;
  }
  .map-embed {
    padding: 9px 6px;
  }
  .cookie-modal {
    max-width: 98vw;
    padding: 21px 7px 18px 7px;
  }
}
@media (max-width: 510px) {
  h1 { font-size: 1.7rem; }
  h2 { font-size: 1.25rem; }
  .cookie-banner {
    padding: 15px 7px 14px 7px;
    font-size: 0.97rem;
    flex-direction: column;
    gap: 9px;
  }
}
/* PRINT ---------------------------------------------------------------- */
@media print {
  header, footer, .mobile-menu, .cookie-banner, .cookie-modal-overlay {
    display: none !important;
  }
  body {
    background: #fff;
    color: #000;
  }
}
/* VISUAL HIERARCHY, FUN FONTS ------------------------------------ */
h1, h2, .subtitle, .cta-primary, .mobile-nav a, header nav a, footer nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}
h1 {
  font-size: 2.5rem;
  color: #18416D;
  letter-spacing: 0.03em;
  word-spacing: 3px;
  text-shadow: 1px 2px 0 #B5C9D9, 0 6px 10px #F3EDE555;
}
h2 {
  color: #1360a2;
  font-size: 2.0rem;
}
h3 {
  color: #5C346B;
  font-size: 1.3rem;
}
.subtitle {
  color: #2bd7d1;
  font-size: 1.13rem;
}
/* Fun animated decorative snow-dust for playful feel */
@keyframes subtle-snow-move {
  0%   { background-position: 0 0, 0 0; }
  100% { background-position: 20px 32px, 48px 32px; }
}
body {
  background-image: repeating-linear-gradient(135deg, #B5C9D9 0 1px, transparent 1px 16px), repeating-linear-gradient(45deg, #F3EDE5 0 1px, transparent 1px 10px);
  animation: subtle-snow-move 8s linear infinite;
}

/* ACCESSIBILITY: High-contrast testimonial text on light background */
.testimonial-card, .testimonial-card p {
  color: #18416D;
  background: #fff;
}

/* END CSS */