/* RESET & BASELINE ------------------------------- */
html {
  box-sizing: border-box;
}
*, *:before, *:after {
  box-sizing: inherit;
  margin: 0;
  padding: 0;
}
body {
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  font-size: 16px;
  color: #154360;
  background: #fff;
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
  border: none;
}
ul,
ol {
  list-style: none;
  padding-left: 0;
  margin-bottom: 0;
}
a {
  color: #154360;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #F5B041;
  outline: none;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  color: #154360;
  font-weight: 700;
  margin-bottom: 16px;
  line-height: 1.15;
}
h1 { font-size: 2.5rem; margin-bottom: 20px; }
h2 { font-size: 2rem; margin-bottom: 20px; }
h3 { font-size: 1.25rem; margin-bottom: 12px; }
h4 { font-size: 1.1rem; }
p, blockquote {
  margin-bottom: 16px;
  color: #154360;
}
strong {
  font-weight: 600;
}
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
}
.container {
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 16px;
}
.content-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

/* HEADER & NAVIGATION --------------------------- */
header {
  background: #fff;
  box-shadow: 0 2px 8px rgba(20,40,56,0.045);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 90;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 36px;
  padding-top: 18px;
  padding-bottom: 18px;
}
header a img {
  height: 38px;
  width: auto;
}
.main-nav {
  display: flex;
  gap: 20px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 500;
  font-size: 1rem;
  color: #154360;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: border-color 0.18s;
}
.main-nav a:hover,
.main-nav a.active {
  border-bottom: 2px solid #F5B041;
  color: #F5B041;
}
.cta-btn {
  display: inline-block;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  background: #F5B041;
  color: #154360;
  font-weight: 600;
  font-size: 1rem;
  padding: 12px 28px;
  border: none;
  border-radius: 6px;
  letter-spacing: 0.03em;
  box-shadow: 0 2px 10px rgba(20,40,56,0.055);
  cursor: pointer;
  transition: background 0.2s, color 0.2s, transform 0.12s;
  outline: none;
}
.cta-btn:hover, .cta-btn:focus {
  background: #154360;
  color: #fff;
  transform: translateY(-2px) scale(1.02);
}

/* MOBILE NAVIGATION ----------------------------- */
.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 2rem;
  line-height: 1;
  color: #154360;
  padding: 7px 12px;
  cursor: pointer;
  transition: color 0.2s;
  z-index: 1002;
}
.mobile-menu-toggle:focus {
  outline: 2px solid #F5B041;
}
.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  width: 90vw;
  max-width: 320px;
  height: 100vh;
  background-color: #fff;
  box-shadow: -4px 0 18px rgba(21,67,96,0.07);
  padding: 40px 26px 20px 26px;
  transform: translateX(105%);
  transition: transform 0.32s cubic-bezier(0.48,0,.32,1.2);
  z-index: 1003;
  display: flex;
  flex-direction: column;
  gap: 40px;
  visibility: hidden;
  opacity: 0;
}
.mobile-menu.open {
  transform: translateX(0);
  visibility: visible;
  opacity: 1;
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #154360;
  font-size: 2.1rem;
  position: absolute;
  top: 22px;
  right: 20px;
  cursor: pointer;
  z-index: 1004;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.15rem;
  color: #154360;
  padding: 12px 0;
  border-bottom: 1px solid #E8F6F3;
  transition: color 0.2s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #F5B041;
  background: #E8F6F3;
  border-radius: 4px;
}
@media (max-width: 1060px) {
  header .container {
    gap: 20px;
  }
}
@media (max-width: 900px) {
  .main-nav, .cta-btn {
    display: none;
  }
  .mobile-menu-toggle {
    display: inline-block;
  }
}
@media (min-width: 901px) {
  .mobile-menu {
    display: none !important;
  }
}

/* HERO SECTIONS --------------------------------- */
.hero {
  background: #E8F6F3;
  border-radius: 18px;
  padding: 64px 20px 55px 20px;
  margin-bottom: 64px;
  box-shadow: 0 4px 24px rgba(21,67,96,0.05);
  display: flex;
  align-items: center;
}
.hero .container {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  gap: 24px;
}
.hero h1 {
  color: #154360;
}
.hero p {
  font-size: 1.19rem;
  max-width: 550px;
  color: #154360;
  margin-bottom: 0;
}

/* FLEX / CARD / GRID COMPONENTS ------------------ */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(21,67,96,0.04);
  padding: 32px 28px 32px 28px;
  margin-bottom: 20px;
  position: relative;
  flex: 1 1 320px;
  min-width: 240px;
  transition: box-shadow 0.18s, transform 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 8px 28px rgba(21,67,96,0.09);
  transform: translateY(-3px) scale(1.015);
}
.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;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 4px 18px rgba(21,67,96,0.06);
  margin-bottom: 24px;
  flex-direction: column;
  min-height: 120px;
  font-size: 1.04rem;
}
.testimonial-card blockquote {
  font-style: italic;
  color: #154360;
  margin-bottom: 8px;
  quotes: "\201C" "\201D";
}
.testimonial-card cite {
  color: #626a71;
  font-size: .95rem;
  font-style: normal;
  align-self: flex-end;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* FEATURES & SERVICES --------------------------- */
.features, .feature-grid,
.tips-saving .tip-grid,
.tips-expenditures .tools-list,
.services.spar-services .content-wrapper,
.team-bios, .company-timeline,
.service-list, .values-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.feature-grid {
  gap: 32px 24px;
  width: 100%;
}
.feature-grid li {
  background: #fff;
  border-radius: 11px;
  box-shadow: 0 3px 16px rgba(21,67,96,0.04);
  padding: 30px 24px 24px 24px;
  flex: 1 1 260px;
  min-width: 210px;
  transition: box-shadow 0.18s, outline 0.15s;
  outline: 1.5px solid transparent;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.feature-grid li:hover, .feature-grid li:focus-within {
  box-shadow: 0 10px 32px rgba(21,67,96,0.09);
  outline: 1.5px solid #F5B041;
}
.feature-grid img {
  width: 38px;
  height: 38px;
  margin-bottom: 4px;
}
.feature-price {
  font-size: 1.13rem;
  color: #F5B041;
  font-weight: 600;
  margin-top: 8px;
}
.values-list,
.tools-list,
.company-timeline,
.service-list {
  flex-direction: column;
  gap: 14px;
}
.values-list li:before, .service-list li:before, .tools-list li:before {
  content: '•';
  color: #F5B041;
  font-weight: 700;
  margin-right: .7em;
}

/* FOOTER ---------------------------------------- */
footer {
  padding: 0;
  background: #fff;
  border-top: 1.5px solid #E8F6F3;
  margin-top: 80px;
}
footer .container {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 30px 16px 24px 16px;
}
footer img {
  width: 43px;
  height: auto;
  margin-bottom: 10px;
}
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
}
.footer-nav a {
  font-size: 1rem;
  color: #154360;
  opacity: 0.85;
  padding: 3px 0;
  transition: color 0.17s;
  border-bottom: 1px solid transparent;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #F5B041;
  border-bottom: 1px solid #F5B041;
}
.footer-contact {
  font-size: 0.98rem;
  color: #626a71;
}

/* BUTTONS & LINKS ------------------------------- */
button, .cta-btn {
  transition: background 0.18s, color 0.15s, box-shadow 0.14s, transform 0.12s;
}
button:focus, .cta-btn:focus {
  outline: 2px solid #F5B041;
}

/* QUOTES, TESTIMONIALS -------------------------- */
blockquote {
  padding-left: 24px;
  border-left: 3px solid #F5B041;
  font-size: 1.08rem;
  margin-bottom: 12px;
  color: #154360;
  background: none;
}
cite {
  font-style: normal;
  color: #626a71;
}

/* UTILITY CLASSES ------------------------------- */
.text-center { text-align: center; }
.text-section { margin-bottom: 24px; }

.privacy-notice {
  color: #626a71;
  font-size: 0.98rem;
  margin-bottom: 10px;
}

/* CTA SECTIONS ---------------------------------- */
.cta, .secondary-cta, .about-cta, .education-cta, .saving-cta {
  background: #E8F6F3;
  border-radius: 13px;
  text-align: center;
  box-shadow: 0 2px 16px rgba(21,67,96,0.045);
}
.cta .cta-btn,
.secondary-cta .cta-btn,
.about-cta .cta-btn,
.saving-cta .cta-btn,
.education-cta .cta-btn {
  margin-top: 18px;
}

/* CONTENT & RESPONSIVE LAYOUTS ------------------ */
@media (max-width: 1024px) {
  .container {
    max-width: 92vw;
  }
  .feature-grid {
    gap: 20px 12px;
  }
  .card-container {
    gap: 18px;
  }
}
@media (max-width: 800px) {
  .container {
    padding-left: 8px;
    padding-right: 8px;
  }
  h1 { font-size: 2.02rem; }
  h2 { font-size: 1.5rem; }
  .hero {
    padding: 38px 10px 30px 10px;
    border-radius: 12px;
    margin-bottom: 32px;
  }
  .section, section {
    padding: 28px 8px;
    margin-bottom: 38px;
  }
  .feature-grid li, .card {
    padding: 18px 10px;
    font-size: .98rem;
  }
  .feature-grid img {
    width: 32px; height: 32px;
  }
}
@media (max-width: 768px) {
  .content-wrapper,.feature-grid, .card-container, .footer-nav, .footer-contact {
    flex-direction: column !important;
    gap: 18px !important;
  }
  .feature-grid li, .card {
    min-width: unset;
    width: 100%;
  }
  .text-image-section {
    flex-direction: column;
    gap: 18px;
  }
  .hero .container {
    align-items: stretch;
  }
  footer .container {
    align-items: stretch;
  }
}
@media (max-width: 600px) {
  body {
    font-size: 15px;
  }
  h1 { font-size: 1.32rem; }
  h2 { font-size: 1.08rem; }
  .feature-grid li, .card {
    font-size: .95rem;
  }
  .section, section {
    margin-bottom: 25px;
    padding: 17px 5px;
  }
  .hero {
    margin-bottom: 18px;
    border-radius: 7px;
  }
}

/* ANIMATIONS & TRANSITIONS ---------------------- */
.fade-in {
  animation: fadeIn 0.7s ease-in both;
}
@keyframes fadeIn {
  0% { opacity:0; transform: translateY(26px); }
  90% { opacity:0.96; }
  100% { opacity:1; transform: translateY(0); }
}

/* COOKIE CONSENT BANNER & MODAL ----------------- */
.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: #fff;
  border-top: 2px solid #F5B041;
  box-shadow: 0 -4px 28px rgba(21,67,96,0.08);
  z-index: 2000;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 20px 18px 16px 18px;
  gap: 24px;
  font-size: 1rem;
  transition: transform 0.35s cubic-bezier(0.55,0.1,0.17,1.05), opacity 0.32s;
  opacity: 1;
  transform: translateY(0%);
}
.cookie-banner.hide {
  opacity: 0;
  transform: translateY(120%);
  pointer-events: none;
}
.cookie-banner p {
  margin-bottom: 0;
  max-width: 470px;
  color: #154360;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 18px;
  align-items: center;
  flex-wrap: wrap;
}
.cookie-btn {
  background: #F5B041;
  color: #154360;
  border: none;
  padding: 10px 20px;
  margin: 0 2px;
  border-radius: 4px;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(21,67,96,0.03);
  transition: background 0.2s, color 0.16s, transform 0.13s;
}
.cookie-btn:hover, .cookie-btn:focus {
  color: #fff;
  background: #154360;
  transform: scale(1.04);
  outline: none;
}
.cookie-btn.secondary {
  background: #E8F6F3;
  color: #154360;
  border: 1.5px solid #F5B041;
}
@media (max-width: 850px) {
  .cookie-banner {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
    font-size: .97rem;
  }
}
@media (max-width: 540px) {
  .cookie-banner .cookie-actions {
    flex-direction: column;
    align-items: flex-start;
    gap: 7px;
  }
}

/* COOKIE MODAL (Settings) ----------------------- */
.cookie-modal {
  position: fixed;
  top: 0; left:0; right:0; bottom:0;
  background: rgba(21,67,96, 0.18);
  z-index: 3000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 1;
  transition: opacity 0.25s;
}
.cookie-modal.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal-content {
  background: #fff;
  border-radius: 11px;
  box-shadow: 0 8px 42px rgba(21,67,96,0.16);
  padding: 36px 20px 24px 28px;
  min-width: 280px;
  max-width: 90vw;
  width: 410px;
  transition: transform 0.38s cubic-bezier(.44,0,.48,1.15);
  margin: 0 8px;
}
.cookie-modal-content h3 {
  color: #154360;
  margin-bottom: 14px;
}
.cookie-options {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 18px;
}
.cookie-option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 8px 0 7px 0;
}
.cookie-option label {
  font-size: 1rem;
  color: #154360;
}
.cookie-switch {
  width: 42px;
  height: 22px;
  border-radius: 15px;
  background: #E8F6F3;
  border: 1.5px solid #F5B041;
  position: relative;
  margin-right: 10px;
  flex-shrink: 0;
  transition: background 0.18s;
}
.cookie-switch input {
  opacity: 0;
  width: 100%;
  height: 100%;
  position: absolute;
  top: 0; left: 0;
  margin: 0;
  cursor: pointer;
}
.cookie-switch span {
  position: absolute;
  left: 2px;
  top: 2px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #F5B041;
  transition: left 0.2s;
}
.cookie-switch input:checked + span {
  left: 20px;
  background: #154360;
}
.cookie-close-btn {
  background: #E8F6F3;
  color: #154360;
  border: none;
  font-size: 1rem;
  position: absolute;
  top: 12px;
  right: 12px;
  width: 32px; height: 32px;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 1px 4px rgba(21,67,96,0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s, color 0.13s;
}
.cookie-close-btn:hover, .cookie-close-btn:focus {
  background: #F5B041;
  color: #fff;
}

/* MISC --------------------------------------------------- */
.feature-grid li:last-child, .card:last-child, .testimonial-card:last-child { margin-bottom: 0; }

/* Visually distinctive for accessibility test areas in testimonials/reviews */
.testimonial-card {
  background: #fff;
  color: #154360;
  box-shadow: 0 3px 17px rgba(21,67,96,0.08);
}
.testimonial-card blockquote {
  color: #154360;
  text-shadow: 0 1px 0 #fff, 0 0.2px 0 #E8F6F3;
}
.testimonial-card cite {
  color: #626a71;
}

/* Hide elements visually but keep for a11y */
.visually-hidden {
  border: 0 !important;
  clip: rect(1px,1px,1px,1px) !important;
  height: 1px !important;
  width: 1px !important;
  margin: -1px !important;
  overflow: hidden !important;
  padding: 0 !important;
  position: absolute !important;
}

/* Thank you & privacy pages hero tweaks */
.thank-you-message .container, .privacy-policy .container, .terms-section .container,
.gdpr-section .container, .cookie-policy-section .container {
  max-width: 700px;
  text-align: center;
  align-items: center;
  justify-content: center;
}
.thank-you-message h1, .privacy-policy h1, .terms-section h1, .gdpr-section h1, .cookie-policy-section h1 {
  color: #154360;
}
.thank-you-message .cta-btn {
  margin-top: 26px;
}

/* Miscellaneous tweaks to ensure spacing */
section + section {
  margin-top: 0px;
}