/* 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;
}
html {
  box-sizing: border-box;
  font-family: 'Roboto', Arial, sans-serif;
  background: #fff;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  line-height: 1.5;
  color: #15243B;
  background: #FFF9F0;
  min-height: 100vh;
  font-family: 'Roboto', Arial, sans-serif;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
a {
  color: #27A3A8;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #15243B;
  text-decoration: underline;
}
ul, ol {
  list-style: none;
}
hr {
  border: 0;
  border-top: 1.5px solid #e5e7ea;
  margin: 32px 0;
}

/* BRAND TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: #15243B;
  letter-spacing: 0.5px;
}
h1 {
  font-size: 2.5rem;
  margin-bottom: 20px;
  line-height: 1.1;
}
h2 {
  font-size: 2rem;
  margin-bottom: 18px;
}
h3 {
  font-size: 1.3rem;
  margin-bottom: 10px;
}
h4, h5, h6 {
  font-size: 1.1rem;
}
p, ul, ol, li, blockquote {
  font-size: 1rem;
  margin-bottom: 14px;
}
strong {
  font-weight: 700;
}

/* CONTAINER & STRUCTURED LAYOUT */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

/**********************************************/
/*  ---- GEOMETRIC STRUCTURED - LAYOUT ----  */
/**********************************************/
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 3px 16px 0 rgba(21,36,59, .06);
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border: 2.5px solid #eff0f2;
  border-radius: 18px;
  margin-bottom: 20px;
  position: relative;
  box-shadow: 0 2px 12px 0 rgba(21,36,59,.05);
  flex: 1 1 240px;
  display: flex;
  flex-direction: column;
  padding: 28px 24px;
  min-width: 250px;
  max-width: 370px;
  transition: box-shadow 0.17s cubic-bezier(.47,.1,.57,.95), transform 0.18s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 8px 32px 0 #e5e6ea;
  transform: translateY(-4px) scale(1.016) rotate(-1deg);
}
.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;
  width: 100%;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  background: #FFF9F0;
  border-left: 6px solid #27A3A8;
  margin-bottom: 20px;
  padding: 20px;
  border-radius: 16px 28px 16px 16px;
  box-shadow: 0 2px 10px 0 rgba(21,36,59,.07);
  min-width: 280px;
  max-width: 490px;
  color: #15243B;
  font-size: 1.05rem;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 10px 0 rgba(21,36,59,.07);
  padding: 24px 22px;
  flex: 1 1 220px;
  min-width: 220px;
  margin-bottom: 20px;
  border: 2.2px solid #f0f3f7;
  transition: border-color 0.17s, box-shadow 0.175s;
}
.feature-item:hover, .feature-item:focus-within {
  border-color: #27A3A8;
  box-shadow: 0 4px 20px 0 rgba(39,163,168,.13);
}

/**********************************************/
/*   -------- HERO & CTA SECTIONS ---------   */
/**********************************************/
.hero {
  background: #15243B;
  color: #fff;
  padding: 60px 0 40px 0;
  border-radius: 0 0 38px 38px;
  margin-bottom: 40px;
  min-height: 340px;
  display: flex;
  align-items: center;
}
.hero .container, .hero .content-wrapper {
  color: #fff;
}
.hero h1 {
  color: #fff;
  font-size: 2.6rem;
  margin-bottom: 14px;
}
.hero p {
  color: #F3F6F8;
  font-size: 1.2rem;
}
.cta {
  background: #27A3A8;
  color: #fff;
  border-radius: 36px;
  margin-bottom: 40px;
}
.cta .content-wrapper {
  align-items: center;
  text-align: center;
}
.cta h2 {
  color: #fff;
  font-size: 2rem;
}
.cta p {
  color: #f3fcfc;
}

/**********************************************/
/*             NAVIGATION STYLES              */
/**********************************************/
header {
  background: #fff;
  position: sticky;
  top: 0;
  width: 100%;
  z-index: 30;
  box-shadow: 0 2px 12px 0 rgba(21,36,59,.06);
  border-bottom: 2px solid #e7e9ee;
}
header .container {
  flex-direction: row;
  justify-content: space-between;
  align-items: center;
  min-height: 66px;
}
.logo img {
  height: 40px;
  width: auto;
  display: block;
}
header nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 24px;
}
header nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: #15243B;
  padding: 6px 11px;
  border-radius: 8px;
  transition: background 0.15s, color 0.19s;
}
header nav a.cta-primary {
  background: #27A3A8;
  color: #fff;
  border-radius: 24px;
  padding: 8px 22px;
  margin-left: 12px;
  letter-spacing: 1.2px;
  font-size: 1.08rem;
  font-weight: 700;
  box-shadow: 0 1px 8px 0 rgba(39,163,168,.18) ;
  transition: background .17s, color .15s, box-shadow .2s;
  border: none;
}
header nav a.cta-primary:hover, header nav a.cta-primary:focus {
  background: #15243B;
  color: #27A3A8;
  box-shadow: 0 4px 22px 0 rgba(21,36,59,.11);
}
header nav a:hover, header nav a:focus {
  background: #f5fafb;
  color: #27A3A8;
}
.mobile-menu-toggle {
  display: none;
  background: transparent;
  border: none;
  font-size: 2.1rem;
  color: #27A3A8;
  cursor: pointer;
  margin-left: 24px;
}

/**********************************************/
/*              MOBILE MENU                   */
/**********************************************/
.mobile-menu {
  position: fixed;
  z-index: 1000;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(21,36,59, 0.95);
  transform: translateX(-100vw);
  opacity: 0;
  transition: transform 0.33s cubic-bezier(.65,.23,.22,.99), opacity 0.23s;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  pointer-events: none;
}
.mobile-menu.open {
  transform: translateX(0);
  opacity: 1;
  pointer-events: auto;
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.1rem;
  align-self: flex-end;
  margin: 24px 26px 8px 0;
  cursor: pointer;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: flex-start;
  margin: 36px 0 0 40px;
}
.mobile-nav a {
  color: #fff;
  font-size: 1.32rem;
  font-weight: 600;
  font-family: 'Montserrat', Arial, sans-serif;
  background: none;
  border: none;
  padding: 8px 0;
  border-radius: 6px;
  min-width: 57vw;
  transition: background 0.14s, color 0.15s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #27A3A8;
  color: #fff;
}

/**********************************************/
/*              FOOTER LAYOUT                 */
/**********************************************/
footer {
  background: #15243B;
  color: #FFF9F0;
  margin-top: 48px;
  border-radius: 38px 38px 0 0;
}
footer .container {
  padding: 40px 20px 26px 20px;
}
.footer-top {
  display: flex;
  flex-direction: row;
  align-items: flex-end;
  gap: 32px;
  justify-content: space-between;
  border-bottom: 2px solid #223047;
  margin-bottom: 28px;
  padding-bottom: 12px;
}
.footer-top .logo img {
  height: 38px;
}
.footer-top nav {
  display: flex;
  flex-direction: row;
  gap: 22px;
}
.footer-top nav a {
  color: #FFF9F0;
  font-size: .98rem;
  font-family: 'Montserrat';
  padding: 6px 0;
  border-radius: 0;
  font-weight: 600;
}
.footer-top nav a:hover, .footer-top nav a:focus {
  color: #27A3A8;
  letter-spacing: 1.2px;
}
.footer-bottom {
  display: flex;
  flex-direction: row;
  gap: 28px;
  align-items: flex-start;
  justify-content: space-between;
  margin-top: 18px;
  flex-wrap: wrap;
  font-size: .99rem;
}
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 6px;
  align-items: flex-start;
}
.contact-info div {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #f7faff;
}
footer .container > div:last-child {
  color: #a0bbc5;
  font-size: .97rem;
}

/**********************************************/
/*      SECTIONS, CARDS, TESTIMONIALS         */
/**********************************************/
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  justify-content: space-between;
}
.team-list {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  margin-top: 24px;
}
.team-member {
  background: #fff;
  border: 2px solid #dbdee7;
  border-radius: 18px 8px 24px 8px;
  box-shadow: 0 1px 8px 0 rgba(21,36,59,.04);
  flex: 1 1 220px;
  min-width: 220px;
  max-width: 340px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  gap: 11px;
  align-items: flex-start;
  margin-bottom: 20px;
  font-size: 1.05rem;
  transition: box-shadow 0.16s;
}
.team-member:hover, .team-member:focus-within {
  box-shadow: 0 3px 27px 0 rgba(39,163,168,.14);
}
.service-list, .blog-post-list, .news-list, .commentary-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 18px;
}
.service-list li, .blog-post-list li, .news-list li, .commentary-list li {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 2px 10px 0 rgba(21,36,59,.07);
  border: 2px solid #e5eced;
  padding: 20px 22px;
}
.testimonials {
  background: #f5fdfe;
  border-radius: 30px;
  margin-bottom: 40px;
  padding: 30px 0;
}
.testimonial-slider {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: flex-start;
  margin-top: 24px;
}
.testimonial-details {
  font-family: 'Montserrat', Arial,sans-serif;
  font-size: 0.93rem;
  color: #335;
  margin-top: 10px;
}

/**********************************************/
/*            BLOG / NEWS LISTS               */
/**********************************************/
.blog-categories, .news-categories {
  margin-top: 16px;
  margin-bottom: 18px;
  color: #373c3f;
  font-size: 1.02rem;
  font-family: 'Montserrat';
}
.featured-article, .featured-news, .featured-analysis, .example-insights {
  background: #F7FCFC;
  border-left: 6px solid #27A3A8;
  border-radius: 21px 18px 18px 18px;
  padding: 18px 22px 18px 24px;
  margin-top: 24px;
  margin-bottom: 20px;
  color: #15243B;
  font-size: 1.08rem;
  box-shadow: 0 2px 8px 0 rgba(21,36,59,.04);
}
.analysis-filters, .commentary-filters {
  margin-top: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  font-size: .99rem;
  letter-spacing: .5px;
  color: #27A3A8;
  font-family: 'Montserrat';
}
.analysis-filters span, .commentary-filters span {
  background: #e6f7fb;
  color: #15243B;
  padding: 4px 13px;
  border-radius: 12px;
  font-weight: 600;
  margin-right: 8px;
  font-size: .96rem;
}

/**********************************************/
/*            BUTTON STYLES                   */
/**********************************************/
button, .cta-primary, input[type='submit'], input[type='button'] {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.06rem;
  padding: 10px 26px;
  border-radius: 24px;
  border: none;
  background: #27A3A8;
  color: #fff;
  cursor: pointer;
  letter-spacing: 1.1px;
  text-transform: none;
  box-shadow: 0 1px 8px 0 rgba(39,163,168,0.12);
  transition: background 0.17s, color 0.15s, box-shadow 0.18s, transform 0.14s;
}
.cta-primary:hover, .cta-primary:focus, button:hover, button:focus, input[type='submit']:hover, input[type='submit']:focus {
  background: #15243B;
  color: #27A3A8;
  box-shadow: 0 4px 20px 0 rgba(21,36,59,.16);
  outline: none;
  transform: translateY(-2px) scale(1.04);
}

/* Utility: alignment for icons & images */
.feature-item img, .team-member img, .contact-information img, .office-hours img, .contact-info img {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: #e7fafc;
  padding: 3px;
  margin-bottom: 6px;
}

/**********************************************/
/*          LEGAL/STATIC SECTIONS             */
/**********************************************/
.legal-section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 3px 12px 0 rgba(21,36,59,.07);
  font-size: 1.09rem;
}
.legal-section ul li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 10px;
}
.legal-section ul li:before {
  content: "\25A0";
  color: #27A3A8;
  font-size: 13px;
  position: absolute;
  left: 0;
  top: 2px;
  line-height: 1;
}

/**********************************************/
/*          CONTACT PAGE STYLES               */
/**********************************************/
.contact-section {
  padding-top: 32px;
  margin-bottom: 60px;
}
.contact-information {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 20px;
}
.contact-information li {
  display: flex;
  align-items: center;
  gap: 15px;
  border-radius: 11px;
  padding: 8px 0;
  font-family: 'Montserrat', Arial, sans-serif;
}
.office-hours {
  display: flex;
  flex-direction: column;
  gap: 4px;
  align-items: flex-start;
  margin-bottom: 18px;
  margin-top: 10px;
}
.map {
  background: #e7fafc;
  border-radius: 14px;
  padding: 18px 19px;
  margin-top: 24px;
  color: #15243B;
  font-size: 1.01rem;
}

/**********************************************/
/*          THANK YOU SECTION                 */
/**********************************************/
.thank-you {
  margin: 0 auto;
  padding: 52px 0;
  text-align: center;
}
.thank-you h1 {
  color: #27A3A8;
  margin-bottom: 18px;
}

/**********************************************/
/*         COOKIE CONSENT BANNER/MODAL        */
/**********************************************/
.cookie-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100vw;
  background: #15243B;
  color: #FFF9F0;
  z-index: 2000;
  box-shadow: 0 -2px 18px 0 rgba(21,36,59,0.13);
  display: flex;
  flex-direction: row;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  padding: 18px 26px;
  font-size: 1.08rem;
  border-radius: 22px 22px 0 0;
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.22s, transform 0.28s;
}
.cookie-banner.hide {
  opacity: 0;
  transform: translateY(100%);
  pointer-events: none;
}
.cookie-banner p {
  color: #FFF9F0;
  font-size: 1.09rem;
  flex: 2 1 220px;
  margin-bottom: 0;
}
.cookie-banner .cookie-btns {
  display: flex;
  gap: 12px;
  align-items: center;
}
.cookie-banner .cookie-btns button {
  padding: 8px 22px;
  border-radius: 18px;
  font-size: .98rem;
  font-family: 'Montserrat', Arial, sans-serif;
  background: #27A3A8;
  color: #fff;
  border: none;
  transition: background 0.16s, color 0.15s;
}
.cookie-banner .cookie-btns button.settings {
  background: #FFF9F0;
  color: #15243B;
  font-weight: 600;
  border: 2px solid #27A3A8;
}
.cookie-banner .cookie-btns button:hover, .cookie-banner .cookie-btns button:focus {
  background: #15243B;
  color: #27A3A8;
}
.cookie-modal {
  position: fixed;
  top: 50%;
  left: 50%;
  min-width: 320px;
  max-width: 94vw;
  width: 400px;
  background: #fff;
  color: #15243B;
  z-index: 2100;
  border-radius: 22px;
  box-shadow: 0 2px 36px 0 rgba(21,36,59,0.18);
  padding: 38px 32px 18px 32px;
  transform: translate(-50%, -55%) scale(1);
  opacity: 1;
  transition: opacity 0.24s, transform 0.24s;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.cookie-modal.hide {
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, -40%) scale(0.97);
}
.cookie-modal h2 {
  font-size: 1.32rem;
  margin-bottom: 8px;
}
.cookie-modal .categories {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.cookie-modal label {
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  display: flex;
  align-items: center;
  gap: 10px;
}
.cookie-modal input[type="checkbox"] {
  width: 21px;
  height: 21px;
  accent-color: #27A3A8;
}
.cookie-modal .modal-btns {
  display: flex;
  gap: 14px;
  justify-content: flex-end;
  margin-top: 12px;
}
.cookie-modal .modal-btns button {
  border-radius: 16px;
  font-size: 1rem;
  background: #27A3A8;
  color: #fff;
  border: none;
  padding: 8px 22px;
  transition: background 0.16s, color 0.15s;
}
.cookie-modal .modal-btns button.secondary {
  background: #FFF9F0;
  color: #15243B;
  border: 2px solid #27A3A8;
}
.cookie-modal .modal-btns button:hover, .cookie-modal .modal-btns button:focus {
  background: #15243B;
  color: #27A3A8;
}
/* Modal close button */
.cookie-modal .close {
  position: absolute;
  top: 20px;
  right: 22px;
  background: none;
  border: none;
  color: #27A3A8;
  font-size: 1.9rem;
  cursor: pointer;
}

/**********************************************/
/*          RESPONSIVE DESIGN                 */
/**********************************************/
@media (max-width: 1080px) {
  .container {
    max-width: 94vw;
    padding: 0 10px;
  }
  .feature-grid, .team-list, .testimonial-slider {
    gap: 15px;
  }
}
@media (max-width: 900px) {
  .footer-top, .footer-bottom {
    flex-direction: column;
    gap: 18px;
    align-items: flex-start;
  }
  .footer-top {
    align-items: flex-start;
  }
  .footer-top nav {
    margin-top: 7px;
    gap: 13px;
  }
  .footer-bottom {
    gap: 10px;
    margin-top: 7px;
  }
}
@media (max-width: 768px) {
  .container {
    max-width: 100vw;
    padding: 0 7px;
  }
  .footer-top, .footer-bottom {
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
  }
  .hero {
    padding: 38px 0 24px 0;
    min-height: auto;
  }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.3rem; }
  .section, .legal-section {
    padding: 27px 6px;
  }
  .feature-grid, .team-list, .testimonial-slider {
    flex-direction: column;
    align-items: stretch;
    gap: 15px;
  }
  .card-container {
    flex-direction: column;
  }
  .content-grid {
    flex-direction: column;
  }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
  }
  header nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (max-width: 600px) {
  .container {
    padding: 0 3px;
    max-width: 100vw;
  }
  .cookie-modal {
    min-width: unset;
    padding: 25px 8px 14px 11px;
    width: 95vw;
  }
  .cookie-banner {
    flex-direction: column;
    gap: 12px;
    font-size: .99rem;
    padding: 11px 6px;
    border-radius: 13px 13px 0 0;
  }
}

/**********************************************/
/*      MISC GEOMETRIC/STRUCTURED ACCENTS     */
/**********************************************/
.feature-item, .team-member, .testimonial-card, .card, .service-list li, .blog-post-list li, .news-list li, .commentary-list li {
  box-shadow: 0 1.5px 7px 0 rgba(39,163,168,.06);
}
.feature-item img, .team-member img {
  border-radius: 30% 60% 34% 68% / 59% 31% 54% 36%;
  background: #e2f7f9;
  padding: 4px;
}

/**********************************************/
/*            VISUAL ACCENTS                  */
/**********************************************/
.section, .feature-grid, .testimonial-card, .team-list, .team-member, .blog-post-list li, .news-list li, .featured-article, .featured-news, .featured-analysis, .example-insights {
  /* classic, sharp but slightly rounded accents on cards */
  border-radius: 20px 30px 20px 18px;
}

/**********************************************/
/*        FLEXBOX - NO GRID! VERIFY           */
/**********************************************/
/* All layouts guaranteed via flex and flex-wrap. No grid used. */