/* RESET & BASE STYLES (normalize + box-sizing) */
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 {
  font-size: 16px;
  box-sizing: border-box;
  scroll-behavior: smooth;
  background: #F5F8FA;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  color: #23405E;
  background: #F5F8FA;
  min-height: 100vh;
  line-height: 1.7;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
a {
  color: #23405E;
  text-decoration: none;
  transition: color .2s;
}
a:hover, a:focus {
  color: #D9A441;
}
ul, ol {
  list-style: none;
}
strong {
  font-weight: 700;
}
h1, h2, h3, h4, h5 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: .02em;
}
h1 { font-size: 2.5rem; margin-bottom: 16px; }
h2 { font-size: 2rem; margin-bottom: 16px; }
h3 { font-size: 1.25rem; margin-bottom: 12px; }

/* STRUCTURE & GEOMETRIC GRID LAYOUTS */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

main {
  margin-top: 24px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 2px 20px 0 rgba(35, 64, 94, 0.04);
  display: flex;
  flex-direction: column;
  gap: 28px;
}
@media (max-width: 700px) {
  .section {
    margin-bottom: 40px;
    padding: 28px 8px;
    border-radius: 14px;
  }
}
.content-wrapper,
.content-grid {
  display: flex;
  flex-direction: column;
  gap: 20px;
  flex-wrap: wrap;
  justify-content: space-between;
}

/* HEADER + NAVIGATION */
header {
  background: #fff;
  border-bottom: 4px solid #D9A441;
  box-shadow: 0 2px 16px rgba(35, 64, 94, 0.06);
  position: sticky;
  top: 0;
  z-index: 1001;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo img {
  height: 46px;
  width: auto;
  display: block;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 4px 0;
  position: relative;
  transition: color .2s;
  letter-spacing: .02em;
}
.main-nav a:not(.cta-button)::after {
  content: '';
  display: block;
  height: 2px;
  width: 0;
  background-color: #D9A441;
  transition: width .2s;
  margin-top: 2px;
}
.main-nav a:not(.cta-button):hover::after,
.main-nav a:not(.cta-button):focus::after {
  width: 100%;
}
.cta-button {
  font-family: 'Montserrat', Arial, sans-serif;
  background: #D9A441;
  color: #23405E !important;
  font-weight: 700;
  border-radius: 8px;
  padding: 10px 26px;
  font-size: 1.1rem;
  margin-left: 26px;
  display: inline-flex;
  box-shadow: 0 2px 12px 0 rgba(217,164,65,0.08);
  border: none;
  cursor: pointer;
  transition: background .15s, color .15s, box-shadow .2s, transform .13s;
  outline: none;
  vertical-align: middle;
  align-items: center;
}
.cta-button:hover, .cta-button:focus {
  background: #23405E;
  color: #fff !important;
  box-shadow: 0 4px 16px 0 rgba(35,64,94,0.08);
  transform: translateY(-2px) scale(1.02);
}
.mobile-menu-toggle {
  background: none;
  border: none;
  font-size: 2rem;
  color: #23405E;
  cursor: pointer;
  display: none;
  padding: 7px 13px;
  border-radius: 7px;
  transition: background .18s;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #F5F8FA;
}
@media (max-width: 980px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  header .container {
    height: 62px;
  }
}

/* MOBILE MENU */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: #23405E;
  transform: translateX(100%);
  transition: transform 0.32s cubic-bezier(.62,.14,.34,1.02);
  z-index: 1200;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  padding-top: 0px;
  will-change: transform;
}
.mobile-menu.open { /* JS controlled */
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.2rem;
  margin: 17px 0 7px 22px;
  cursor: pointer;
  align-self: flex-start;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 22px;
  margin-left: 36px;
  margin-top: 8px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.15rem;
  padding: 7px 0;
  letter-spacing: .02em;
  border-radius: 7px;
  transition: background .18s, color .2s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #D9A441;
  color: #23405E;
}
@media (min-width: 981px) {
  .mobile-menu, .mobile-menu-toggle {
    display: none !important;
  }
}

/* HERO STYLES & FEATURE BLOCKS */
section > .container > h1, section > .container > h2 {
  text-align: left;
  color: #23405E;
}
@media (max-width: 800px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.25rem; }
}

.feature-grid, .service-list, .service-grid, .advantages-list, .value-list, .faq-items, .news-list, .value-points, .trust-statistics {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  align-items: flex-start;
  flex-direction: column;
  margin-top: 14px;
}
.feature-grid li, .service-list li, .service-grid li, .advantages-list li, .faq-items li, .value-list li, .value-points li, .news-list li, .trust-statistics li {
  background: #F5F8FA;
  padding: 20px 18px 20px 50px;
  border-radius: 13px;
  min-width: 230px;
  font-size: 1rem;
  font-weight: 500;
  box-shadow: 0 2px 12px 0 rgba(35,64,94,0.03);
  position: relative;
  margin-bottom: 0px;
  border-left: 7px solid #D9A441;
}
.feature-grid li img,
.value-list li img,
.value-points li img,
.advantages-list li img {
  position: absolute;
  left: 16px;
  top: 16px;
  width: 24px;
  height: 24px;
}
@media (max-width: 700px) {
  .feature-grid, .service-list, .service-grid, .value-list, .advantages-list, .value-points, .faq-items, .news-list, .trust-statistics {
    gap: 12px;
  }
  .feature-grid li, .service-list li, .service-grid li, .advantages-list li, .value-list li, .value-points li, .news-list li, .trust-statistics li {
    padding: 16px 8px 16px 46px;
    font-size: 0.97rem;
    min-width: 0;
  }
  .feature-grid li img, .advantages-list li img, .value-list li img, .value-points li img {
    width: 22px;
    height: 22px;
  }
}

/* CONTENT CARDS, CTA BANNERS */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 15px;
  box-shadow: 0 2px 14px 0 rgba(35, 64, 94, 0.06);
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 17px;
  padding: 28px 24px;
  min-width: 260px;
  border-left: 6px solid #D9A441;
}
@media (max-width: 650px) {
  .card-container {
    flex-direction: column;
    gap: 14px;
  }
  .card {
    min-width: 0;
    padding: 18px 12px;
  }
}
.cta-banner {
  background: #23405E;
  color: #fff;
  border-radius: 20px;
  padding: 38px 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  box-shadow: 0 4px 24px 0 rgba(35,64,94,0.12);
  gap: 17px;
}
.cta-banner h2,
.cta-banner p {
  color: #fff;
}
.cta-banner .cta-button {
  background: #D9A441;
  color: #23405E !important;
}

/* SECTION FLEX LAYOUTS */
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
.text-section {
  display: flex;
  flex-direction: column;
  gap: 16px;
  justify-content: flex-start;
  align-items: flex-start;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
}

/* TESTIMONIALS - DISTINCTIVE CARDS (GEOMETRIC) */
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 24px;
  position: relative;
  background: #F5F8FA;
  border-radius: 16px;
  box-shadow: 0 2px 14px 0 rgba(35,64,94,0.07);
  margin-bottom: 20px;
  border-left: 6px solid #23405E;
  min-width: 260px;
  max-width: 540px;
  flex-direction: column;
}
.testimonial-card blockquote {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.13rem;
  color: #23405E;
  font-style: italic;
  margin-bottom: 8px;
  font-weight: 500;
  line-height: 1.5;
}
.testimonial-card p {
  color: #46648B;
  font-size: 0.98rem;
  font-family: 'Open Sans', Arial, sans-serif;
  font-weight: 600;
}
@media (max-width: 600px) {
  .testimonial-card {
    padding: 14px 8px;
    min-width: 0;
    font-size: 1rem;
  }
}

/* TIMELINE (INVESTMENT PROCESS) */
.timeline {
  background: #F5F8FA;
  border-radius: 10px;
  padding: 18px 24px;
  color: #23405E;
  font-weight: 500;
  font-size: 1.01rem;
  margin-top: 12px;
  border-left: 6px solid #D9A441;
}

.step-by-step-process {
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding-bottom: 10px;
}
.step-by-step-process li {
  position: relative;
  padding: 18px 14px 18px 50px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 12px 0 rgba(35,64,94,0.035);
  border-left: 6px solid #23405E;
}
.step-by-step-process li img {
  position: absolute;
  left: 15px;
  top: 15px;
  width: 22px;
  height: 22px;
}

/* INDUSTRY UPDATES, ARTICLES */
.industry-updates, .featured-articles {
  background: #fff;
  border-radius: 13px;
  box-shadow: 0 2px 10px 0 rgba(35,64,94,0.026);
  padding: 28px 24px;
  margin-bottom: 20px;
}
.industry-updates h2, .featured-articles h2 {
  font-size: 1.14rem;
  color: #D9A441;
  margin-bottom: 10px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  text-transform: uppercase;
}

/* FAQ */
.faq-items li {
  background: #fff;
  border-left: 7px solid #23405E;
  padding: 19px 17px 19px 54px;
  border-radius: 12px;
  margin-bottom: 0px;
  box-shadow: 0 2px 14px 0 rgba(35,64,94,0.035);
  font-size: 1rem;
  position: relative;
}
.faq-items li strong {
  color: #23405E;
}

/* FOOTER */
footer {
  background: #23405E;
  color: #fff;
  padding: 32px 0 16px 0;
  margin-top: 60px;
  font-size: 1rem;
  border-radius: 0;
  box-shadow: 0 -2px 22px 0 rgba(35, 64, 94, 0.05);
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: center;
}
.footer-nav {
  display: flex;
  gap: 26px;
  margin-bottom: 8px;
  flex-wrap: wrap;
}
.footer-nav a {
  color: #D9A441;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 0.98rem;
  letter-spacing: .01em;
  transition: color .18s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #fff;
}
footer address {
  font-style: normal;
  color: #F5F8FA;
  text-align: center;
  margin-bottom: 2px;
  font-size: .97rem;
}
footer small {
  color: #D9A441;
  font-size: 0.93rem;
}
@media (max-width: 700px) {
  footer .container {
    font-size: .95rem;
    gap: 11px;
  }
  .footer-nav {
    gap: 14px;
  }
}

/* BUTTONS */
button, input[type="submit"], input[type="button"] {
  font-family: 'Montserrat', Arial, sans-serif;
  background: #D9A441;
  color: #23405E;
  border: none;
  border-radius: 9px;
  font-size: 1rem;
  padding: 10px 26px;
  font-weight: 600;
  cursor: pointer;
  transition: background .18s, color .16s, box-shadow .16s, transform .1s;
}
button:focus, button:hover,
input[type="submit"]:hover, input[type="submit"]:focus {
  background: #23405E;
  color: #fff;
  box-shadow: 0 2px 12px 0 rgba(217,164,65,0.07);
  outline: none;
}

/* FORMS (if any later) */
input, textarea, select {
  font-family: 'Open Sans', Arial, sans-serif;
  font-size: 1rem;
  border: 2px solid #dfe6ef;
  border-radius: 7px;
  padding: 11px 14px;
  outline: none;
  margin-bottom: 20px;
  background: #fff;
  color: #23405E;
  box-shadow: 0 1px 6px 0 rgba(35,64,94,0.04);
  width: 100%;
  transition: border .18s;
}
input:focus, textarea:focus, select:focus {
  border-color: #D9A441;
}
label {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  display: block;
  margin-bottom: 7px;
}

/* SPACING & GEOMETRIC CONSISTENCY */
h1, h2, h3, h4, h5, h6 {
  margin-bottom: 12px;
}
p, ul, ol, blockquote, .card-container, .content-wrapper {
  margin-bottom: 16px;
}
.content-wrapper:last-child, .section:last-child {
  margin-bottom: 0;
}

/* ANIMATIONS */
.cta-button, button, .mobile-nav a {
  transition: background .15s, color .15s, box-shadow .26s, transform .13s;
}
.card, .testimonial-card, .faq-items li {
  transition: box-shadow .22s, transform .17s;
}
.card:hover, .testimonial-card:hover, .faq-items li:hover {
  box-shadow: 0 4px 24px 0 rgba(35,64,94,0.13);
  transform: translateY(-3px) scale(1.01);
}

/* RESPONSIVE LAYOUTS */
@media (max-width: 900px) {
  .card-container, .content-grid {
    flex-direction: column;
    gap: 14px;
  }
}
@media (max-width: 700px) {
  .testimonial-card, .card {
    min-width: 0;
    margin-bottom: 13px;
    padding: 12px 7px;
    font-size: 1rem;
  }
  .content-wrapper, .content-grid {
    gap: 13px;
  }
  section {
    margin-bottom: 30px !important;
    padding: 20px 2px !important;
  }
}

/* COOKIE CONSENT BANNER */
.cookie-consent-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 1300;
  background: #fff;
  border-top: 5px solid #D9A441;
  box-shadow: 0 -2px 17px 0 rgba(35,64,94,0.08);
  padding: 24px 30px;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 27px;
  font-size: 1rem;
  font-family: 'Open Sans', Arial, sans-serif;
}
.cookie-consent-banner__msg {
  color: #23405E;
  flex: 1 1 0;
  min-width: 0;
}
.cookie-consent-banner__actions {
  display: flex;
  gap: 13px;
  flex-shrink: 0;
}
.cookie-consent-banner button {
  background: #D9A441;
  color: #23405E;
  border-radius: 7px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 0.98rem;
  padding: 9px 18px;
}
.cookie-consent-banner button:hover, .cookie-consent-banner button:focus {
  background: #23405E;
  color: #fff;
}
@media (max-width: 700px) {
  .cookie-consent-banner {
    flex-direction: column;
    padding: 16px 10px;
    gap: 12px;
    font-size: .96rem;
  }
}

/* COOKIE MODAL */
.cookie-modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(35,64,94,.63);
  z-index: 1400;
  align-items: center;
  justify-content: center;
}
.cookie-modal-overlay.open { display: flex; }
.cookie-modal {
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 8px 32px 0 rgba(35,64,94,0.23);
  max-width: 430px;
  width: 96vw;
  padding: 40px 32px 32px 32px;
  color: #23405E;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 22px;
  font-size: 1.06rem;
}
.cookie-modal h2 {
  color: #23405E;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.3rem;
  margin-bottom: 6px;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}
.cookie-modal .cookie-category label {
  font-family: 'Open Sans', Arial, sans-serif;
  font-weight: 600;
  margin-bottom: 0;
}
.cookie-modal .cookie-switch {
  appearance: none;
  display: inline-block;
  width: 36px;
  height: 20px;
  background: #dbe3eb;
  border-radius: 12px;
  position: relative;
  outline: none;
  margin-right: 5px;
  cursor: pointer;
  transition: background .18s;
}
.cookie-modal .cookie-switch:checked {
  background: #D9A441;
}
.cookie-modal .cookie-switch:before {
  content: '';
  position: absolute;
  left: 4px;
  top: 3px;
  width: 14px;
  height: 14px;
  background: #fff;
  border-radius: 50%;
  transition: left .18s;
}
.cookie-modal .cookie-switch:checked:before {
  left: 18px;
}
.cookie-modal .cookie-category span {
  font-size: 0.97rem;
  color: #7e96b5;
}
.cookie-modal .cookie-category input[disabled] + label { color: #a8b7c8; }
.cookie-modal-buttons {
  display: flex;
  gap: 12px;
  margin-top: 12px;
}
.cookie-modal-buttons button {
  background: #D9A441;
  color: #23405E;
  transition: background .17s, color .16s;
  border-radius: 7px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.06rem;
  font-weight: 600;
  padding: 8px 20px;
}
.cookie-modal-buttons button:hover, .cookie-modal-buttons button:focus {
  background: #23405E;
  color: #fff;
}
.cookie-modal-close {
  position: absolute;
  top: 24px;
  right: 26px;
  background: none;
  border: none;
  color: #ccc;
  font-size: 1.65rem;
  cursor: pointer;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  color: #23405E;
}
@media (max-width: 500px) {
  .cookie-modal {
    padding: 22px 7px 14px 14px;
    font-size: .99rem;
    max-width: 97vw;
  }
  .cookie-modal-close {
    top: 10px;
    right: 9px;
  }
}

/* GEOMETRIC VISUAL STYLE + ANGULAR FONTS */
body, .cta-button, .card, .testimonial-card, .faq-items li, .feature-grid li,
.service-grid li, .advantages-list li, .value-list li, .value-points li, .news-list li {
  border-radius: 16px;
}
.cta-button, button {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  letter-spacing: .025em;
  text-transform: none;
}
section, .card, .testimonial-card, .faq-items li {
  box-shadow: 0 2px 10px 0 rgba(35,64,94,.06);
}

/* VISUAL HIERARCHY: TYPOGRAPHY */
h1 { font-size: 2.2rem; }
h2 { font-size: 1.45rem; }
h3 { font-size: 1.14rem; }
p, li, blockquote { font-size: 1rem; }
@media (max-width: 500px) {
  h1 { font-size: 1.27rem; }
  h2 { font-size: 1.1rem; }
  h3 { font-size: 1rem; }
}

/* ACCESSIBILITY */
::selection { background: #D9A441; color: #23405E; }
.cookie-consent-banner, .cookie-modal {
  font-size: 1rem;
  color: #23405E;
}

/* CUSTOM GEOMETRIC DECOR (OPTIONAL, can be extended in the future) */
/* Example: .section::before { content: ''; position: absolute; ...background polygon...} */

/* END OF CSS */