/* =====================
   CSS RESET & BASE STYLES
   ===================== */
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, menu, 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, 
main, 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;
}
article, aside, details, figcaption, figure, 
footer, header, hgroup, main, menu, nav, section {
  display: block;
}
body {
  line-height: 1.6;
  background: #FFFCF0;
  color: #2F302D;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
}

*, *:before, *:after {
  box-sizing: inherit;
}
a {
  text-decoration: none;
  color: #B35D2D;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #186A3B;
  text-decoration: underline;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
ul, ol {
  padding-left: 24px;
}
li {
  margin-bottom: 8px;
}
strong {
  font-weight: 700;
  color: #186A3B;
}

/* ===========
   VINTAGE RETRO PALETTE
   =========== */
:root {
  --primary: #186A3B;
  --secondary: #58D68D;
  --accent: #FFFCF0;
  --retro-orange: #FFA45B;
  --retro-brown: #A37C45;
  --retro-olive: #A3B18A;
  --retro-coral: #E06357;
  --retro-yellow: #FFD97D;
  --retro-blue: #75A7D9;
  --retro-cream: #F7E4C8;
  --vintage-shadow: rgba(163, 124, 69, 0.17);
}

/* ===========
   TYPOGRAPHY
   =========== */
h1, h2, h3, h4 {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  color: #186A3B;
  font-weight: 700;
  letter-spacing: 0.01em;
}
h1 {
  font-size: 2.2rem;
  margin-bottom: 20px;
}
h2 {
  font-size: 1.6rem;
  margin-bottom: 18px;
}
h3 {
  font-size: 1.2rem;
  margin-bottom: 14px;
  color: #B35D2D;
}
h4 {
  font-size: 1rem;
  margin-bottom: 12px;
}
p, .text-section p, .text-section {
  font-family: 'Roboto', Arial, sans-serif;
  color: #4B483F;
  margin-bottom: 12px;
  font-size: 1rem;
}

/* ===========
   LAYOUT CONTAINERS
   =========== */
.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 18px;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px; /* mandatory pattern */
  background: var(--retro-cream);
  border-radius: 18px;
  box-shadow: 0 2px 18px var(--vintage-shadow);
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px; /* mandatory pattern */
}
.card {
  background: #fffbe5;
  border: 2px solid var(--retro-olive);
  border-radius: 14px;
  margin-bottom: 20px; /* mandatory pattern */
  box-shadow: 0 1px 9px var(--vintage-shadow);
  position: relative;
  padding: 24px 22px;
  min-width: 260px;
  flex: 1 1 248px;
  transition: box-shadow 0.24s, transform 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 3px 24px var(--retro-orange);
  transform: translateY(-3px) scale(1.024);
  z-index: 2;
}

.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;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 3px 16px var(--vintage-shadow);
  border: 2px solid var(--retro-yellow);
  min-width: 270px;
  margin-bottom: 24px;
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: var(--accent);
  border-radius: 10px;
  box-shadow: 0 1px 6px rgba(24,106,59,0.08);
  padding: 18px 14px;
}

/********************************
  HERO SECTIONS
********************************/
.hero {
  background: repeating-linear-gradient(135deg, var(--retro-yellow), var(--retro-yellow) 44px, var(--retro-cream) 44px, var(--retro-cream) 80px);
  border-bottom: 3px dotted var(--retro-brown);
  box-shadow: 0 6px 36px -20px var(--vintage-shadow);
  position: relative;
  margin-bottom: 60px;
}
.hero .content-wrapper {
  align-items: center;
  text-align: center;
  gap: 18px;
  padding: 36px 0;
}
.hero h1 {
  color: #A37C45;
  font-size: 2.3rem;
  text-shadow: 0 1px 0 #fffbe5, 0 2px 0 #a37c45;
  letter-spacing: 0.04em;
}
.hero p {
  color: #4B483F;
  font-size: 1.15rem;
}

/********************************
  HEADER & NAVIGATION
********************************/
header {
  background: #fffbe5;
  border-bottom: 2px solid var(--retro-orange);
  box-shadow: 0 2px 6px rgba(163, 124, 69, 0.08);
  z-index: 100;
  position: sticky;
  top: 0;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 12px 18px;
}
header a img {
  height: 40px;
  margin-right: 18px;
}
nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
header nav a {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 6px 2px;
  color: #444;
  border-bottom: 2px solid transparent;
  transition: color 0.16s, border-color 0.24s;
  position: relative;
}
header nav a:hover, header nav a:focus {
  color: #E06357;
  border-bottom: 2px solid #E06357;
  background: var(--retro-yellow);
  border-radius: 4px;
}
.cta-btn {
  background: var(--retro-orange);
  color: #fff;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1.06rem;
  font-weight: 700;
  border: none;
  padding: 12px 28px;
  border-radius: 30px;
  box-shadow: 0 2px 13px rgba(255,164,91,0.16);
  cursor: pointer;
  margin-left: 8px;
  transition: background 0.2s, color 0.2s, box-shadow 0.2s, transform 0.13s;
  display: inline-block;
}
.cta-btn:hover, .cta-btn:focus {
  background: #FF9642;
  color: #24221b;
  box-shadow: 0 5px 20px rgba(255,164,91,0.26);
  transform: translateY(-1px) scale(1.04);
}
button {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  outline: none;
  border: none;
  cursor: pointer;
}
.mobile-menu-toggle {
  background: var(--retro-coral);
  color: #fff;
  font-size: 2rem;
  line-height: 42px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid #fff8d1;
  display: none;
  align-items: center;
  justify-content: center;
  margin-left: 10px;
  z-index: 110;
  transition: background 0.21s, transform 0.16s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  background: #E06357;
  transform: scale(1.13);
}

/********************************
  MOBILE NAVIGATION
********************************/
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(248,233,180,0.93);
  z-index: 200;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: start;
  padding: 0 0 0 0;
  transform: translateX(-120vw);
  transition: transform 0.35s cubic-bezier(.39,.57,.56,1.01);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  font-size: 1.8rem;
  font-weight: 700;
  color: #A37C45;
  background: transparent;
  border: none;
  margin-top: 24px;
  margin-left: 22px;
  margin-bottom: 10px;
  cursor: pointer;
  transition: color 0.18s, transform 0.16s;
  z-index: 205;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #E06357;
  transform: rotateZ(9deg) scale(1.15);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 22px;
  width: 100%;
  margin-left: 34px;
  margin-top: 12px;
}
.mobile-nav a {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-weight: 600;
  font-size: 1.36rem;
  color: #222;
  padding: 12px 0 12px 12px;
  border-radius: 8px;
  margin-right: 16px;
  background: transparent;
  transition: background 0.18s, color 0.18s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #FFA45B22;
  color: #B35D2D;
}
@media (max-width: 1024px) {
  nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}
@media (min-width: 1025px) {
  .mobile-menu {
    display: none !important;
  }
  .mobile-menu-toggle {
    display: none !important;
  }
}

/********************************
  FOOTER
********************************/
footer {
  background: #FFF8E3;
  border-top: 2px solid var(--retro-orange);
  box-shadow: 0 -2px 8px #e063570b;
  padding: 50px 0 18px 0;
  margin-top: 80px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 32px;
  justify-content: space-between;
}
footer nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
footer nav a {
  color: #6D4C1E;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  margin-bottom: 2px;
}
footer nav a:hover, footer nav a:focus {
  color: #A37C45;
  text-decoration: underline;
}
.footer-contact p {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 6px;
  color: #845A2A;
  font-size: 0.97rem;
}
footer p:last-child {
  flex-basis: 100%;
  margin-top: 16px;
  text-align: right;
  color: #C6A264;
  font-size: 0.93rem;
}

/********************************
  FEATURES, GRIDS
********************************/
.features .content-wrapper, .feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.feature-grid > div {
  background: #FFF8E3;
  border-radius: 14px;
  box-shadow: 0 2px 8px #a3b18a24;
  padding: 27px 19px 16px 19px;
  min-width: 220px;
  max-width: 260px;
  flex: 1 1 220px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  border: 1.5px solid var(--retro-olive);
  transition: box-shadow 0.18s, border-color 0.19s, transform 0.16s;
}
.feature-grid > div:hover, .feature-grid > div:focus {
  border-color: var(--retro-coral);
  box-shadow: 0 5px 18px var(--retro-coral);
  transform: scale(1.038) translateY(-3px);
  z-index: 1;
}
.feature-grid img {
  width: 38px;
  margin-bottom: 3px;
}

/********************************
  TESTIMONIALS/CARDS
********************************/
.testimonials .content-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.testimonial-card {
  background: #FFF8E9;
  border: 2.2px solid var(--retro-orange);
  color: #321C0C;
  box-shadow: 0 5px 18px #a37c4540;
  max-width: 340px;
  min-width: 230px;
  margin-bottom: 20px;
  transition: box-shadow 0.18s, border-color 0.18s, transform 0.13s;
}
.testimonial-card p {
  font-size: 1.08rem;
  margin-bottom: 15px;
  color: #3A2812;
}
.testimonial-card strong {
  color: #A37C45;
  font-size: 1.01rem;
  font-weight: 700;
}
.testimonial-card span img {
  width: 21px;
  display: inline-block;
  margin-right: 2px;
}
.testimonial-card:hover, .testimonial-card:focus-within {
  box-shadow: 0 3px 32px #FFA45B70;
  border-color: #E06357;
  transform: scale(1.04);
}

/********************************
  CONTACT & INFO
********************************/
.contact-short, .contact-details, .contact-form, .map {
  background: var(--retro-cream);
  border-radius: 16px;
  box-shadow: 0 1px 16px #A37C4533;
  margin-bottom: 40px;
  padding: 32px 20px;
}
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 18px;
}
.contact-info ul {
  display: flex;
  flex-direction: column;
  gap: 12px;
  list-style: none;
  padding: 0;
}
.contact-info li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #7A5728;
  font-size: 1rem;
}
.contact-info li img {
  width: 20px;
  height: 20px;
}
.gdpr-info {
  margin-top: 14px; 
  color: #644a23;
  font-size: 0.96rem;
  display: flex;
  align-items: center;
  gap: 9px;
}

/********************************
  TABLES (finance comparison)
********************************/
table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
  font-size: 1rem;
  background: #FFFBE5;
  border-radius: 12px;
  box-shadow: 0 0.5px 6px #A37C4520;
  overflow: hidden;
}
table caption {
  text-align: left;
  font-size: 1.07rem;
  color: #A37C45;
  font-weight: 700;
  padding: 7px 0 5px 0;
}
thead {
  background: var(--retro-yellow);
}
th, td {
  padding: 10px 15px;
  text-align: left;
  border-bottom: 1px solid #e4d4bb;
}
th {
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  color: #7A5728;
  font-weight: 600;
  font-size: 1.04rem;
}
tbody tr:last-child td {
  border-bottom: none;
}

/********************************
  FAQ, PROCESS, LEGAL SECTIONS
********************************/
.faq, .process, .legal {
  background: #FFFBE5;
  border-radius: 15px;
  box-shadow: 0 1.5px 12px #a37c4547;
  padding: 36px 19px;
  margin-bottom: 48px;
}
.faq h2, .process h2, .legal h1, .legal h2 {
  color: #A37C45;
}
.text-section h3 {
  color: #E06357;
  margin-top: 13px;
  margin-bottom: 6px;
  font-size: 1.13rem;
}
.text-section ul {
  list-style: disc inside;
  margin-top: 8px;
  margin-bottom: 10px;
}
.text-section ul li {
  margin-bottom: 5px;
  color: #644a23;
}
.text-section a {
  color: #A37C45;
  border-bottom: 1.5px dashed #E06357;
  transition: border-color 0.18s, color 0.18s;
}
.text-section a:hover, .text-section a:focus {
  border-color: #186A3B;
  color: #186A3B;
}

/********************************
  BUTTONS
********************************/
button, .cta-btn {
  outline: none;
  transition: background 0.17s, color 0.16s, transform 0.13s, box-shadow 0.21s;
}
button:active, .cta-btn:active {
  transform: scale(0.97);
}

/********************************
  RESPONSIVE DESIGN
********************************/
@media (max-width: 1100px) {
  .container {
    max-width: 96vw;
    padding: 0 7vw;
  }
  .content-grid, .features .content-wrapper {
    flex-direction: column;
    gap: 20px;
  }
}
@media (max-width: 900px) {
  .feature-grid, .testimonials .content-wrapper {
    flex-direction: column;
    gap: 20px;
    align-items: stretch;
  }
  .feature-grid > div, .testimonial-card {
    max-width: 100%;
    min-width: 180px;
  }
  footer .container {
    flex-direction: column;
    gap: 22px;
    text-align: left;
  }
}
@media (max-width: 768px) {
  .content-wrapper, .feature-grid, .testimonials .content-wrapper {
    flex-direction: column;
    gap: 18px;
  }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
  .section, .contact-short, .contact-details, .contact-form, .map, .faq, .process, .legal {
    padding: 24px 9px;
    margin-bottom: 34px;
  }
  .hero .content-wrapper {
    padding: 28px 0;
  }
  h1 {
    font-size: 1.37rem;
  }
  h2 {
    font-size: 1.09rem;
  }
  footer .container {
    padding: 0 12px;
    font-size: 0.98rem;
  }
  table th, table td {
    padding: 7px 8px;
    font-size: 0.98rem;
  }
}
@media (max-width: 520px) {
  .container { padding: 0 6px; }
  h1 { font-size: 1.08rem; }
  .hero .content-wrapper {
    padding: 17px 0;
  }
  .section, .contact-short, .contact-details, .contact-form, .map, .faq, .process, .legal {
    padding: 13px 3px;
  }
}

/********************************
  SPACING & ALIGNMENT (MANDATORY)
********************************/
.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; }

/********************************
  COOKIE CONSENT BANNER
********************************/
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: #FFF8E3;
  color: #755630;
  border-top: 2.5px solid #FFA45B;
  box-shadow: 0 -4px 20px #a37c452b;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 24px 6vw 18px 6vw;
  z-index: 2500;
  transition: transform 0.42s cubic-bezier(.67,.1,.37,1.02), opacity 0.41s;
  opacity: 1;
  transform: translateY(0);
}
.cookie-banner.hide {
  opacity: 0;
  transform: translateY(105%);
  pointer-events: none;
}
.cookie-banner p {
  color: #775828;
  font-size: 1rem;
  margin-bottom: 0;
  flex: 1 1 320px;
}
.cookie-banner .cookie-btn {
  background: var(--retro-orange);
  color: #fff;
  border: none;
  font-family: 'Montserrat', 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  border-radius: 20px;
  padding: 10px 27px;
  margin-left: 12px;
  box-shadow: 0 1px 9px #ffa45b22;
  transition: background 0.14s;
  cursor: pointer;
}
.cookie-banner .cookie-btn:hover, .cookie-banner .cookie-btn:focus {
  background: #E06357;
  color: #fffbe5;
}
.cookie-banner .cookie-btn.secondary {
  background: #E06357;
  color: #fffbe5;
}
.cookie-banner .cookie-btn.ghost {
  background: transparent;
  color: #FFA45B;
  border: 2px solid #FFA45B;
}
.cookie-banner .cookie-btn.ghost:hover, .cookie-banner .cookie-btn.ghost:focus {
  background: #FFA45B;
  color: #fff;
}

/********************************
  COOKIE SETTINGS MODAL
********************************/
.cookie-modal-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(39, 31, 16, 0.23);
  z-index: 3000;
  display: none;
  align-items: center;
  justify-content: center;
  transition: opacity 0.33s;
}
.cookie-modal-overlay.show { display: flex; }
.cookie-modal {
  background: #FFF8E3;
  color: #755630;
  border-radius: 20px;
  padding: 34px 32px;
  max-width: 94vw;
  width: 405px;
  box-shadow: 0 4px 66px #a37c4577;
  position: relative;
  animation: cookieIn 0.5s cubic-bezier(.41,1.3,.34,1.01);
  z-index: 3050;
}
@keyframes cookieIn {
  from { opacity: 0; transform: scale(0.87) translateY(65px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}
.cookie-modal h2 {
  color: #A37C45;
  font-size: 1.26rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.cookie-modal .cookie-category {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
  padding: 9px 0;
  border-bottom: 1px solid #ffeecc;
}
.cookie-modal .cookie-category:last-child {
  border-bottom: none;
}
.cookie-modal label {
  font-family: inherit;
  color: #644a23;
  font-size: 1rem;
}
.cookie-modal .toggle {
  accent-color: #FFA45B;
  width: 18px; height: 18px;
}
.cookie-modal .cookie-actions {
  display: flex;
  justify-content: flex-end;
  gap: 8px;
  margin-top: 22px;
}
.cookie-modal .cookie-close {
  position: absolute;
  right: 18px;
  top: 14px;
  background: transparent;
  color: #A37C45;
  font-size: 1.4rem;
  border: none;
  cursor: pointer;
}
.cookie-modal .cookie-close:hover, .cookie-modal .cookie-close:focus {
  color: #E06357;
  transform: scale(1.13);
}

/********************************
  ANIMATIONS & MICRO-INTERACTIONS
********************************/
a, button, .cta-btn, .feature-grid > div, .card, .testimonial-card, .mobile-menu-toggle, .cookie-banner .cookie-btn, .cookie-modal .cookie-close {
  transition: background 0.17s, color 0.16s, border-color 0.21s, transform 0.18s, box-shadow 0.22s;
}

/********************************
  RETRO DETAILS & VISUALS
********************************/
.section {
  background: repeating-linear-gradient(-41deg, #FFF8E3, #FFF8E3 36px, var(--retro-yellow) 36px, var(--retro-yellow) 72px);
  border: 2.2px solid #FFD97D;
  box-shadow: 0 3px 16px var(--retro-brown);
}
.feature-grid > div,
.card,
.testimonial-card,
.faq,
.process,
.legal,
.contact-short,
.contact-details,
.contact-form,
.map {
  background: #FFFCF0;
  border: 1.7px solid #e7cca9;
  border-radius: 14px;
}
/********************************
  PRINT & SELECTION (retro flavor)
********************************/
::selection {
  background: #FFD97D;
  color: #644a23;
}

/********************************
  UTILITIES
********************************/
.d-none { display: none !important; }
.d-flex { display: flex !important; }
.text-center { text-align: center !important; }

/********************************
  CUSTOM SCROLLBAR (retro)
********************************/
body::-webkit-scrollbar {
  width: 10px;
  background: #F7E4C8;
}
body::-webkit-scrollbar-thumb {
  background: #FFD97D;
  border-radius: 7px;
}

/********************************
  RETRO FONT-STACKS (fallback)
********************************/
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700&family=Roboto:wght@400;700&display=swap');