/* MindMoney Harmony – Tech Futuristic CSS */
/* RESET & BASELINE NORMALIZATION */
html {
  box-sizing: border-box;
  font-size: 16px;
  scroll-behavior: smooth;
}
*, *::before, *::after {
  box-sizing: inherit;
  margin: 0;
  padding: 0;
  border: 0;
}
body {
  min-height: 100vh;
  font-family: 'Open Sans', Arial, sans-serif;
  color: #F5F8FA;
  background: linear-gradient(135deg, #194D67 0%, #103447 100%);
  line-height: 1.6;
  letter-spacing: 0.03em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img {
  max-width: 100%;
  display: block;
  height: auto;
}
a {
  color: #DB943B;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #FFDFAF;
  text-decoration: underline;
  outline: none;
}
ul, ol {
  margin-left: 1.5em;
  margin-bottom: 1.25em;
}
li {
  margin-bottom: 0.7em;
}
button, .cta-btn {
  font-family: 'Montserrat', 'Open Sans', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.1em;
  padding: 14px 36px;
  border-radius: 28px;
  cursor: pointer;
  background: #DB943B;
  color: #181C22;
  box-shadow: 0 2px 12px 0 #0007;
  border: none;
  outline: none;
  transition: background 0.23s, box-shadow 0.23s, color 0.22s, transform 0.19s;
  letter-spacing: 0.04em;
  position: relative;
  overflow: hidden;
}
button:hover, .cta-btn:hover, button:focus, .cta-btn:focus {
  background: #FFDFAF;
  color: #194D67;
  box-shadow: 0 5px 20px 0 #DB943B55, 0 2px 12px 0 #0005;
  transform: translateY(-2px) scale(1.03);
}

/* TYPOGRAPHY */
h1, h2, h3, h4 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  letter-spacing: 0.02em;
}
h1 {
  font-size: 2.5rem;
  color: #FFDFAF;
  margin-bottom: 16px;
  line-height: 1.13;
}
h2 {
  font-size: 2rem;
  color: #DB943B;
  margin-bottom: 12px;
}
h3 {
  font-size: 1.3rem;
  color: #F5F8FA;
  margin-bottom: 10px;
}
h4 {
  font-size: 1.1rem;
  color: #DB943B;
  margin-bottom: 8px;
}
p, address {
  font-size: 1rem;
  color: #C9DAEA;
  margin-bottom: 16px;
}
strong {
  font-weight: bold;
  color: #FFDFAF;
}

.subheadline {
  font-size: 1.23rem;
  color: #B9C6D7;
  margin-bottom: 22px;
}

/* FLEXBOX UTILITY CLASSES */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  width: 100%;
  background: none;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  background: #162A38;
  border-radius: 18px;
  box-shadow: 0 4px 24px #12232A3D, 0 0px 2px #10344721;
  overflow: hidden;
  position: relative;
  transition: box-shadow 0.23s, transform 0.21s;
}
.card:hover, .card:focus {
  box-shadow: 0 9px 32px #DB943B39, 0 4px 14px #0005;
  transform: translateY(-2px) scale(1.012);
  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: #F5F8FA;
  color: #213242;
  border-radius: 16px;
  margin-bottom: 20px;
  box-shadow: 0 3px 22px #1034471a, 0 0px 2px #DB943B22;
  border: 1px solid #E1EAF5;
  font-size: 1.04em;
}
.testimonial-card p {
  color: #15375e;
  margin-bottom: 10px;
  font-size: 1.06em;
  font-family: inherit;
}
.testimonial-card strong {
  color: #194D67;
  font-size: 0.98em;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* BRAND/STYLISTIC ACCENTS (FUTURISTIC) */
.hero {
  background: linear-gradient(107deg, #1f6289 0%, #214e66 60%, #103447 100%);
  padding: 60px 0 60px 0;
  box-shadow: 0 3px 24px #1034472e;
}
.hero h1 {
  font-size: 2.7rem;
  color: #FFDFAF;
  text-shadow: 0 2px 12px #17405736, 0 0px 3px #03030521;
}
.hero .subheadline {
  font-size: 1.18rem;
  color: #B9C6D7;
}
.hero .cta-btn {
  margin-top: 24px;
  font-size: 1.2em;
  box-shadow: 0 9px 24px #DB943B17, 0 2px 8px #0005;
}

.cta {
  background: #194D67;
  background-image: linear-gradient(90deg, #204c60 60%, #DB943B15 100%);
  color: #F5F8FA;
  box-shadow: 0 1.5px 12px #DB943B11;
}
.cta h2 {
  color: #FFDFAF;
}
.cta .cta-btn {
  margin-top: 18px;
}

.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 10px;
}
.feature-grid > div {
  background: #132739;
  border-radius: 14px;
  padding: 28px 22px 22px 22px;
  box-shadow: 0 2.5px 14px #1935532A, 0 0px 1px #DB943B22;
  flex: 1 1 250px;
  min-width: 230px;
  margin-bottom: 16px;
  color: #F5F8FA;
  position: relative;
  transition: box-shadow 0.20s, transform 0.17s;
}
.feature-grid > div:hover, .feature-grid > div:focus {
  box-shadow: 0 6px 20px #DB943B34, 0 2.5px 14px #19355334;
  transform: translateY(-2px) scale(1.01);
  z-index: 2;
}
.feature-grid img {
  width: 38px;
  height: 38px;
  margin-bottom: 15px;
  filter: drop-shadow(0 0 7px #FFDFAF55) drop-shadow(0 2px 10px #DB943B33);
}

/* NAVIGATION */
header {
  background: #162A38;
  box-shadow: 0 2px 24px #10344713;
  z-index: 30;
  position: relative;
  padding: 0;
}
header .container {
  flex-direction: row;
  align-items: center;
  min-height: 68px;
  padding: 0 20px;
  justify-content: space-between;
  gap: 16px;
}
header img {
  height: 42px;
  width: auto;
  margin-right: 18px;
}
.main-nav {
  display: flex;
  gap: 20px;
  align-items: center;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #F5F8FA;
  font-size: 1em;
  font-weight: 500;
  letter-spacing: 0.02em;
  transition: color 0.17s;
  padding: 8px 0;
  position: relative;
}
.main-nav a.cta-btn {
  padding: 10px 26px;
  background: #DB943B;
  color: #194D67;
  border-radius: 18px;
  margin-left: 6px;
  font-size: 1em;
  box-shadow: 0 7px 11px #DB943B13;
  border: none;
  transition: background 0.18s, color 0.18s, box-shadow 0.18s;
}
.main-nav a.cta-btn:hover,
.main-nav a.cta-btn:focus {
  background: #FFDFAF;
  color: #194D67;
  box-shadow: 0 12px 20px #DB943B29;
}
.main-nav a:hover, .main-nav a:focus {
  color: #DB943B;
  text-decoration: none;
}

/* MOBILE MENU */
.mobile-menu-toggle {
  background: none;
  border: none;
  color: #DB943B;
  font-size: 2.1em;
  margin-left: 16px;
  display: none;
  cursor: pointer;
  z-index: 50;
  transition: color 0.18s, transform 0.21s;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  color: #FFDFAF;
  transform: scale(1.11);
}
.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(13,25,37,0.95);
  backdrop-filter: blur(9px);
  z-index: 1100;
  transform: translateX(-100%);
  transition: transform 0.38s cubic-bezier(0.85,0.18,0.22,1.03);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  padding: 44px 0;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #FFDFAF;
  font-size: 2em;
  margin-left: 30px;
  margin-bottom: 16px;
  align-self: flex-start;
  cursor: pointer;
  z-index: 1110;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-left: 36px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #F5F8FA;
  font-size: 1.13em;
  font-weight: 600;
  padding: 14px 0;
  transition: color 0.16s, background 0.18s;
  border-radius: 10px;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: #194D67;
  color: #FFDFAF;
}

@media (max-width: 1100px) {
  .container {
    max-width: 990px;
  }
}
@media (max-width: 900px) {
  .container {
    max-width: 750px;
  }
}
@media (max-width: 768px) {
  html {
    font-size: 15px;
  }
  .container {
    padding: 0 8px;
  }
  .section {
    padding: 25px 8px;
    margin-bottom: 40px;
  }
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  .hero {
    padding: 34px 0 36px 0;
  }
  .feature-grid {
    flex-direction: column;
    gap: 18px;
  }
  .content-grid {
    flex-direction: column;
    gap: 16px;
    align-items: stretch;
  }
  .testimonial-card {
    padding: 14px 8px;
  }
  .footer-nav {
    flex-direction: column;
    gap: 10px;
  }
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
  }
}
@media (max-width: 480px) {
  html {
    font-size: 14px;
  }
  header .container {
    min-height: 40px;
    padding: 7px 8px;
  }
  .cta-btn {
    padding: 12px 16px;
    font-size: 1em;
  }
  h1 {
    font-size: 2.1rem;
  }
  h2 {
    font-size: 1.3rem;
  }
  .feature-grid > div {
    padding: 14px 8px 10px 8px;
    min-width: unset;
  }
}

/* FOOTER */
footer {
  background: #162A38;
  color: #B9C6D7;
  font-size: 0.97em;
  padding: 28px 0 14px 0;
  margin-top: 20px;
  box-shadow: 0 -2px 30px #10344724;
}
footer .container {
  flex-direction: column;
  align-items: flex-start;
  gap: 22px;
}
.footer-nav {
  display: flex;
  gap: 24px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}
.footer-nav a {
  color: #FFDFAF;
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.17s;
  font-size: 1em;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: #DB943B;
}
footer address {
  font-style: normal;
  color: #C9DAEA;
  margin: 12px 0 3px 0;
  line-height: 1.6;
}
footer img {
  display: inline;
  vertical-align: middle;
  height: 1.1em;
  width: auto;
  margin-right: 4px;
  margin-bottom: 2px;
}
footer p {
  font-size: 0.92em;
  color: #738399;
  margin: 7px 0 0 0;
}

/* COOKIE CONSENT BANNER */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 99999;
  background: #162A38;
  color: #FFDFAF;
  box-shadow: 0 -2px 30px #10344788;
  padding: 20px 18px 24px 18px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  animation: fadeInBanner 0.6s cubic-bezier(.19,1,.22,1) 0.3s backwards;
}
@keyframes fadeInBanner {
  from { transform: translateY(80px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-banner-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin-top: 2px;
}
.cookie-btn, .cookie-settings-btn {
  background: #DB943B;
  color: #162A38;
  border-radius: 20px;
  padding: 8px 26px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1em;
  cursor: pointer;
  transition: background 0.18s, color 0.17s;
  border: none;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: #FFDFAF;
  color: #194D67;
}
.cookie-settings-btn {
  background: #172A38;
  color: #FFDFAF;
  border: 1.5px solid #FFDFAF;
}
.cookie-settings-btn:hover, .cookie-settings-btn:focus {
  color: #162A38;
  background: #FFDFAF;
  border: 1.5px solid #DB943B;
}

/* COOKIE PREFERENCES MODAL */
.cookie-modal-overlay {
  position: fixed;
  top:0; left:0; right:0; bottom:0;
  background: rgba(20,33,48, 0.96);
  z-index: 100001;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeInModal 0.33s cubic-bezier(0.3,1,0.25,1) 0.08s backwards;
}
@keyframes fadeInModal {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal {
  background: #F5F8FA;
  color: #194D67;
  border-radius: 16px;
  padding: 32px 32px 18px 32px;
  box-shadow: 0 6px 48px #194d6769, 0 1px 5px #DB943B20;
  min-width: 340px;
  max-width: 96vw;
  width: 100%;
}
.cookie-modal h2 {
  color: #194D67;
  font-size: 1.3rem;
  margin-bottom: 6px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 16px;
}
.cookie-category label {
  font-size: 1.01em;
  color: #103447;
}
.cookie-category input[type='checkbox'] {
  accent-color: #DB943B;
  width: 1.2em;
  height: 1.2em;
}
.cookie-category .essential {
  opacity: 0.7;
  font-style: italic;
}
.cookie-modal-buttons {
  display: flex;
  gap: 16px;
  margin-top: 22px;
  justify-content: flex-end;
}
.cookie-modal .cookie-btn, .cookie-modal .cookie-settings-btn {
  font-size: 1em;
  padding: 8px 22px;
}

/* -- MISC & ENHANCEMENTS -- */
::-webkit-scrollbar {
  width: 10px;
  background: #10222B;
  border-radius: 5px;
}
::-webkit-scrollbar-thumb {
  background: #194D67;
  border-radius: 5px;
}
::-webkit-scrollbar-thumb:hover {
  background: #DB943B;
}

/* Micro-interactions for cards */
.feature-grid > div, .card {
  transition: box-shadow 0.18s, transform 0.13s;
}
.feature-grid > div:active, .card:active {
  transform: scale(0.98);
  box-shadow: 0 1px 4px #10344744;
}

/* Focus Ring for Accessibility */
:focus-visible {
  outline: 2.5px solid #DB943B;
  outline-offset: 2px;
}

/* Spacing Correction: All containers/cards/sections have at least 20px margin/gap */
.section, .feature-grid > div, .card, .testimonial-card, .content-wrapper {
  margin-bottom: 20px;
}
.section:last-child, .feature-grid > div:last-child,
.card:last-child, .testimonial-card:last-child, .content-wrapper:last-child {
  margin-bottom: 0;
}

/*************************
 FURTHER CLASSES as per HTML selectors
*************************/

/* Thank You Page Card Styling */
.thankyou-message {
  background: #14293B;
  color: #FFDFAF;
  padding: 34px 22px;
  border-radius: 16px;
  margin-bottom: 28px;
  box-shadow: 0 2px 18px #194d6713, 0 0.5px 3px #DB943B25;
  text-align: center;
}

/* Responsive Button Block */
@media (max-width: 520px) {
  .cookie-banner {
    padding: 9px 5px 20px 5px;
  }
  .cookie-modal {
    padding: 18px 10px 8px 10px;
    min-width: unset;
  }
}


/*******************************************************
 Ensure ALL content layouts use ONLY FLEXBOX, no grid!
*******************************************************/

/* No use of display: grid, grid-*, column-count, columns, column-width, break-inside */

/*********************
 BRAND FONT LOADING (If preconnects/imports are allowed in index HTML)
*********************/
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;800&family=Open+Sans:wght@400;600;700&display=swap');