/* =======================
   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;
}
/* HTML5 display-role reset for older browsers */
article, aside, details, figcaption, figure, 
footer, header, hgroup, menu, nav, section {
  display: block;
}
body {
  line-height: 1.5;
  background: #F5F7FA;
  color: #17345D;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  min-height: 100vh;
}
img {
  max-width: 100%;
  height: auto;
  vertical-align: middle;
}
a {
  color: #23A094;
  text-decoration: none;
  transition: color .2s;
}
a:focus, a:hover {
  color: #F06D39;
}

/* =======================
   VARIABLES + FONTS
   ======================= */
:root {
  --primary: #17345D;
  --secondary: #23A094;
  --accent: #F5F7FA;
  --electric-orange: #F06D39;
  --electric-yellow: #FFCC00;
  --electric-pink: #FF2DD7;
  --electric-green: #22E57F;
  --electric-blue: #1E86FF;

  --display-font: 'Montserrat', 'Roboto', Arial, sans-serif;
  --body-font: 'Roboto', Arial, sans-serif;

  --radius: 18px;
  --shadow:
      0 4px 24px rgba(23,52,93,0.10),
      0 2px 8px rgba(36,32,72,0.08);
  --transition: all 0.3s cubic-bezier(.4,0,.2,1);
}

/* ===============================================
   HEADER & NAVIGATION (DESKTOP + MOBILE)
   =============================================== */
header {
  background: var(--accent);
  box-shadow: 0 2px 14px rgba(23,52,93,0.08);
  position: relative;
  z-index: 1001;
}
.main-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 24px;
  justify-content: flex-start;
  max-width: 1200px;
  margin: 0 auto;
  padding: 18px 20px 18px 20px;
}
.main-nav > a {
  font-family: var(--display-font);
  font-weight: 600;
  font-size: 15px;
  text-transform: uppercase;
  padding: 8px 10px;
  border-radius: 10px;
  position: relative;
  color: var(--primary);
  letter-spacing: 1px;
  transition: background var(--transition), color var(--transition);
}
.main-nav > a.primary-cta {
  background: var(--electric-orange);
  color: #fff!important;
  font-weight: 700;
  font-size: 18px;
  border-radius: 14px;
  padding: 10px 26px;
  margin-left: auto;
  box-shadow: 0 6px 24px rgba(240,109,57,0.09);
  transition: background var(--transition), box-shadow var(--transition);
}
.main-nav > a.primary-cta:hover, .main-nav > a.primary-cta:focus {
  background: var(--electric-pink);
  box-shadow: 0 8px 32px rgba(255,45,215,0.13);
}
.main-nav > a:focus, .main-nav > a:hover:not(.primary-cta) {
  background: var(--secondary);
  color: #fff!important;
}
.main-nav img {
  height: 36px;
  margin-right: 12px;
  vertical-align: middle;
}

/* ----- Mobile Burger ----- */
.mobile-menu-toggle {
  display: none;
  background: var(--electric-orange);
  color: #fff;
  border: none;
  border-radius: 12px;
  font-size: 30px;
  width: 48px;
  height: 48px;
  align-items: center;
  justify-content: center;
  position: absolute;
  top: 14px;
  right: 20px;
  z-index: 1101;
  transition: background var(--transition), box-shadow var(--transition);
  box-shadow: 0 2px 8px rgba(240,109,57,0.12);
  cursor: pointer;
}
.mobile-menu-toggle:active, .mobile-menu-toggle:focus {
  background: var(--electric-pink);
}

.mobile-menu {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: #fff;
  box-shadow: 0 4px 80px rgba(30,134,255,0.09);
  z-index: 1200;
  transform: translateX(-100%);
  transition: transform var(--transition);
  padding: 30px 24px 24px 24px;
  opacity: 0.98;
}
.mobile-menu.active { transform: translateX(0); }
.mobile-menu-close {
  align-self: flex-end;
  background: var(--electric-pink);
  color: #fff;
  border: none;
  border-radius: 12px;
  font-size: 32px;
  width: 50px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
  cursor: pointer;
  transition: background var(--transition);
}
.mobile-menu-close:active, .mobile-menu-close:focus { background: var(--electric-orange); }
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
  margin-top: 8px;
  width: 100%;
}
.mobile-nav a {
  color: var(--primary);
  font-size: 22px;
  font-family: var(--display-font);
  font-weight: 600;
  padding: 10px 4px;
  border-radius: 10px;
  background: none;
  width: 100%;
  transition: background var(--transition), color var(--transition);
}
.mobile-nav a:focus, .mobile-nav a:hover {
  background: var(--secondary);
  color: #fff;
}

@media (max-width: 1099px) {
  .main-nav > a {
    font-size: 15px;
    padding: 7px 6px;
  }
  .main-nav img {
    height: 32px;
  }
}
@media (max-width: 900px) {
  .main-nav {
    padding: 16px 10px;
    gap: 14px;
    font-size: 14px;
  }
}
@media (max-width: 768px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle { display: flex; }
  .mobile-menu { display: flex; }
}

/* ===================
   LAYOUT & SECTIONS
   =================== */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 16px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
@media (min-width: 900px) {
  .content-wrapper {
    gap: 32px;
  }
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
@media (max-width: 600px) {
  .section {
    margin-bottom: 36px;
    padding: 26px 6px;
  }
}

.text-section {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
}

.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    gap: 20px;
    align-items: stretch;
  }
}

.features-grid, .offerings, .offer-list-grid, .news-article-grid, .bank-list-grid, .core-values-grid, .quick-tips-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 18px;
  /* Use flex-direction: column for mobile */
}
@media (max-width: 800px) {
  .features-grid, .offerings, .offer-list-grid, .news-article-grid, .bank-list-grid, .core-values-grid, .quick-tips-grid {
    flex-direction: column;
    gap: 18px;
  }
}
.features-grid .feature-item,
.offerings .offering,
.offer-list-grid .offer-card,
.news-article-grid .news-article-card,
.bank-list-grid .bank-card,
.core-values-grid .core-value-item {
  flex: 1 1 220px;
  min-width: 220px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 22px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  margin-bottom: 20px;
  transition: box-shadow .2s, transform .2s;
}
.features-grid .feature-item:hover, .offer-list-grid .offer-card:hover,
.news-article-grid .news-article-card:hover, .bank-list-grid .bank-card:hover, .core-values-grid .core-value-item:hover {
  box-shadow: 0 12px 32px rgba(30, 134, 255, 0.10), 0 8px 24px rgba(36,32,72,0.12);
  transform: translateY(-4px) scale(1.02);
}
.features-grid .feature-item img, .offer-list-grid .offer-card img, .core-values-grid .core-value-item img {
  height: 48px;
  width: 48px;
  object-fit: contain;
  border-radius: 8px;
}

/* Card Containers layouts */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  background: #fff;
  padding: 32px 24px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}

/* Testimonials */
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px 28px;
  margin-bottom: 20px;
  min-width: 240px;
  color: var(--primary);
  font-size: 18px;
  position: relative;
  transition: box-shadow .2s, transform .21s;
}
.testimonial-card:hover {
  box-shadow: 0 8px 32px rgba(35,160,148,0.10), 0 4px 16px rgba(36,32,72,0.10);
  transform: translateY(-3px) scale(1.01);
}
.testimonial-card p {
  font-family: var(--body-font);
  font-size: 18px;
  font-weight: 400;
  color: var(--primary);
  line-height: 1.6;
  text-align: left;
}
.testimonial-user {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--display-font);
  font-size: 16px;
  color: var(--secondary);
}
.testimonial-user span {
  color: var(--electric-orange);
  font-size: 18px;
  letter-spacing: 2px;
  margin-left: 2px;
}
.trustpilot-badge {
  margin-top: 6px;
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--electric-green);
  font-weight: bold;
}
.trustpilot-badge img {
  height: 20px;
}

/***** BUTTONS & CTA *****/
.cta-btn, .main-nav > a.primary-cta, .cookie-accept-btn, .cookie-reject-btn, .cookie-settings-btn {
  display: inline-block;
  font-family: var(--display-font);
  font-weight: 700;
  font-size: 18px;
  padding: 12px 30px;
  border: none;
  border-radius: 14px;
  background: var(--electric-orange);
  color: #fff !important;
  box-shadow: 0 2px 10px rgba(240,109,57,0.10);
  letter-spacing: 1.5px;
  cursor: pointer;
  margin-top: 12px;
  margin-right: 16px;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  text-transform: uppercase;
  outline: none;
}
.cta-btn:hover, .cta-btn:focus, .cookie-accept-btn:hover, .cookie-accept-btn:focus {
  background: var(--electric-pink);
  color: #fff;
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 6px 20px rgba(255,45,215,0.12);
}
.cookie-reject-btn {
  background: var(--electric-blue);
  color: #fff!important;
}
.cookie-reject-btn:hover, .cookie-reject-btn:focus {
  background: var(--electric-yellow);
  color: var(--primary)!important;
}
.cookie-settings-btn {
  background: var(--secondary);
  color: #fff!important;
}
.cookie-settings-btn:hover, .cookie-settings-btn:focus {
  background: var(--electric-green);
  color: var(--primary)!important;
}
@media (max-width: 600px) {
  .cta-btn, .main-nav > a.primary-cta {
    width: 100%;
    font-size: 17px;
    padding: 12px 14px;
  }
}

/***** LISTS, LINKS, MISC CARDS *****/
ul, ol {
  margin-left: 18px;
  margin-bottom: 16px;
  font-size: 16px;
}
.guide-links-list, .news-preview-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 14px;
}
.guide-links-list a, .news-preview-list a {
  font-size: 18px;
  font-family: var(--display-font);
  font-weight: 600;
  letter-spacing: 1px;
  color: var(--electric-blue);
  padding: 7px 4px;
  border-radius: 7px;
  transition: background var(--transition), color var(--transition);
}
.guide-links-list a:hover, .news-preview-list a:hover {
  background: var(--secondary);
  color: #fff;
}

/***** ADDRESS/CONTACT INFO *****/
.address-card, .phone-display, .email-display, .business-hours {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
  font-size: 17px;
  font-family: var(--body-font);
}
.address-card img, .phone-display img, .email-display img, .business-hours img {
  width: 24px;
  height: 24px;
}

/***** NEWSLETTER, RSS, SEARCH, FAQ, QUICK TIPS *****/
.newsletter-signup, .rss-feed-link {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 15px 18px;
  background: var(--electric-blue);
  border-radius: 14px;
  color: #fff;
  font-size: 17px;
  font-family: var(--display-font);
  margin: 18px 0 0 0;
  box-shadow: 0 1px 12px rgba(30,134,255,0.06);
}
.newsletter-signup img { height: 28px; }
.rss-feed-link img { height: 22px; }
.rss-feed-link a {
  color: #fff;
  font-weight: 600;
  text-decoration: underline;
}

.search-filter {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  background: var(--electric-yellow);
  border-radius: 12px;
  margin-top: 12px;
  font-size: 16px;
  color: var(--primary);
}
.search-filter img {
  height: 22px;
}

.faq-teaser a {
  display: inline-block;
  background: var(--electric-green);
  padding: 10px 18px;
  color: var(--primary);
  border-radius: 12px;
  font-weight: 600;
  font-size: 17px;
  margin-bottom: 8px;
}
.faq-teaser a:hover { background: var(--electric-orange); color: #fff; }

.quick-tips-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 12px;
}
.tip-item {
  flex: 1 1 180px;
  min-width: 160px;
  background: var(--electric-yellow);
  color: var(--primary);
  border-radius: 10px;
  padding: 13px 16px;
  font-family: var(--display-font);
  font-weight: 600;
  box-shadow: 0 1px 6px rgba(255,204,0,0.10);
  display: flex;
  align-items: center;
  gap: 10px;
}
.tip-item img {
  height: 22px;
  width: 22px;
}

/***** POLICY and TERMS SECTIONS *****/
.policy-intro, .gdpr-overview, .terms-intro, .usage-explanation, .your-rights, .personal-data-usage, .data-processing-info, .user-rights, .manage-preferences, .acceptable-use, .liability-limits {
  background: #fff;
  border-radius: 10px;
  box-shadow: var(--shadow);
  padding: 20px 22px;
  margin: 12px 0 24px 0;
  color: var(--primary);
  font-size: 16px;
  font-family: var(--body-font);
}

/* =============================
   TYPOGRAPHY HIERARCHY
   ============================= */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--display-font);
  color: var(--primary);
  font-weight: bold;
  letter-spacing: 1px;
}
h1 {
  font-size: 2.8rem;
  line-height: 1.13;
}
h2 {
  font-size: 2rem;
  margin-bottom: 8px;
}
h3 {
  font-size: 1.35rem;
  margin-bottom: 7px;
}
h4,h5,h6 {
  font-size: 1.1rem;
}
@media (max-width: 620px) {
  h1 {
    font-size: 2rem;
  }
  h2 {
    font-size: 1.38rem;
  }
}

/* =============================
   FOOTER STYLES
   ============================= */
footer {
  margin-top: 30px;
  background: var(--primary);
  color: #fff;
  border-radius: 32px 32px 0 0;
  padding: 40px 0 20px 0;
  box-shadow: 0 -2px 32px rgba(23,52,93,0.08);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
}
.footer-menu {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 10px;
}
.footer-menu a {
  color: var(--electric-yellow);
  font-family: var(--display-font);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 1px;
  opacity: .96;
  transition: color .2s, opacity .2s;
}
.footer-menu a:hover {
  color: #fff;
  opacity: 1;
}
.footer-contacts {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 34px;
  font-family: var(--body-font);
  font-size: 16px;
  align-items: flex-start;
  justify-content: center;
  color: #fff;
  margin-bottom: 8px;
}
.footer-contacts img {
  width: 19px;
  height: 19px;
  margin-right: 8px;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 14px;
  font-family: var(--display-font);
  font-size: 18px;
  color: #fff;
  letter-spacing: 1px;
}
.footer-brand img {
  width: 29px;
  height: 29px;
}
@media (max-width: 850px) {
  .footer-contacts {
    flex-direction: column;
    gap: 10px;
    align-items: flex-start;
    margin-bottom: 12px;
  }
  .footer-menu { gap: 14px; }
  .footer-brand { font-size: 15px; gap: 8px; }
}

/* =============================
   RESPONSIVE UTILITIES
   ============================= */
@media (max-width: 700px) {
  .features-grid .feature-item,
  .offerings .offering,
  .offer-list-grid .offer-card,
  .news-article-grid .news-article-card,
  .bank-list-grid .bank-card,
  .core-values-grid .core-value-item {
    min-width: 160px;
    padding: 18px 9px;
    font-size: 15px;
  }
}
@media (max-width: 600px) {
  .container {
    padding: 0 4px;
  }
  .footer-contacts,
  .footer-brand,
  .footer-menu {
    font-size: 13px;
    gap: 7px;
  }
}

/*********************
 COOKIE CONSENT BANNER
*********************/
#cookie-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100vw;
  z-index: 1800;
  background: #fff;
  box-shadow: 0 -4px 28px rgba(23,52,93,0.10);
  border-radius: 26px 26px 0 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 26px 24px 20px 24px;
  animation: slideInBanner .5s cubic-bezier(.4,0,.2,1);
}
@keyframes slideInBanner {
  0% { transform: translateY(160px); opacity: 0; }
  100% { transform: translateY(0); opacity: 1; }
}
#cookie-banner p {
  color: var(--primary);
  font-size: 16px;
  margin-bottom: 10px;
  font-family: var(--body-font);
}
#cookie-banner .cookie-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 6px;
}
@media (max-width: 600px) {
  #cookie-banner { padding: 14px 5px 10px 5px; font-size: 14px; }
  #cookie-banner .cookie-btns { gap: 12px; }
}

/*********************
 COOKIE CONSENT MODAL
*********************/
#cookie-modal-overlay {
  display: none;
  position: fixed;
  z-index: 2200;
  left: 0; top: 0;
  width: 100vw; height: 100vh;
  background: rgba(23,52,93,0.56);
  justify-content: center;
  align-items: center;
  animation: fadeInOverlay .35s;
}
#cookie-modal-overlay.active {
  display: flex;
}
@keyframes fadeInOverlay {
  0% { opacity: 0; }
  100% { opacity: 1; }
}
#cookie-modal {
  background: #fff;
  border-radius: 26px;
  padding: 44px 26px 28px 26px;
  max-width: 450px;
  width: 96vw;
  box-shadow: 0 10px 60px rgba(30,134,255,0.16);
  color: var(--primary);
  display: flex;
  flex-direction: column;
  gap: 23px;
  font-family: var(--body-font);
  animation: modalPop .36s cubic-bezier(.3,.7,.5,1.4);
  position: relative;
}
@keyframes modalPop {
  0% { transform: scale(0.86); opacity: 0; }
  75% { transform: scale(1.09); opacity: 1; }
  100% { transform: scale(1); }
}
#cookie-modal h2 {
  color: var(--electric-orange);
  margin-bottom: 12px;
  font-family: var(--display-font);
  font-size: 1.4rem;
}
.cookie-category {
  background: var(--accent);
  border-radius: 13px;
  padding: 13px 13px 12px 13px;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.cookie-category label {
  display: flex;
  align-items: center;
  gap: 9px;
  font-weight: 600;
  font-size: 16px;
  color: var(--primary);
}
.cookie-category input[type='checkbox'] {
  transform: scale(1.19);
  accent-color: var(--secondary);
  margin-right: 8px;
}
.cookie-category.essential label {
  color: var(--electric-green);
  font-weight: 700;
}
.cookie-category.essential {
  opacity: .72;
  pointer-events: none;
}
#cookie-modal .modal-btns {
  display: flex;
  gap: 13px;
  justify-content: flex-end;
  margin-top: 6px;
}
#cookie-modal .cookie-modal-close {
  position: absolute;
  top: 14px;
  right: 14px;
  background: var(--electric-pink);
  color: #fff;
  border: none;
  width: 38px;
  height: 38px;
  border-radius: 12px;
  font-size: 23px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}
#cookie-modal .cookie-modal-close:hover {
  background: var(--electric-orange);
}

/*********************
  MISC DESIGN DETAILS
**********************/

.rating-summary {
  font-size: 22px;
  color: var(--electric-orange);
  font-family: var(--display-font);
}
.apr-highlight {
  color: var(--electric-pink);
  font-weight: 700;
  font-size: 17px;
  margin-bottom: 9px;
}
.resource-list ul {
  list-style: disc inside;
}
.transparency-points ul {
  list-style: disc inside;
  margin-top: 10px;
  margin-bottom: 12px;
}
.methodology-icons {
  display: flex;
  gap: 20px;
  margin-top: 10px;
}
.methodology-icons img {
  height: 36px;
}

/*********************
  ANIMATIONS & EFFECTS
**********************/
.card, .features-grid .feature-item, .offer-list-grid .offer-card, .bank-list-grid .bank-card, .core-values-grid .core-value-item, .testimonial-card, .news-article-grid .news-article-card {
  transition: box-shadow .2s, transform .19s;
}
.card:hover, .core-values-grid .core-value-item:hover, .bank-list-grid .bank-card:hover, .features-grid .feature-item:hover, .offer-list-grid .offer-card:hover, .news-article-grid .news-article-card:hover {
  box-shadow: 0 12px 40px rgba(35,160,148,0.11), 0 4px 10px rgba(255,45,215,0.06);
  transform: translateY(-6px) scale(1.016);
}
.cta-btn:active { transform: scale(0.98); }

/*********************
  PRINT STYLES
**********************/
@media print {
  header, footer, #cookie-banner, #cookie-modal-overlay, .mobile-menu { display: none !important; }
  body { color: #222; background: #fff; font-size: 12pt; }
  a { color: #123; }
}