/* RESET & BASE --------------------------------------------------------- */
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: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  font-size: 16px;
  scroll-behavior: smooth;
  background: #F7F7FA;
}
body {
  font-family: 'Roboto', Arial, sans-serif;
  line-height: 1.6;
  color: #362B20;
  background: #F7F7FA;
  min-height: 100vh;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
a {
  color: #124E78;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover {
  color: #26A69A;
  text-decoration: underline;
}
ul, ol {
  padding-left: 1.5em;
}

/* FONT IMPORTS ----------------------------------------------------------- */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;900&family=Roboto:wght@400;500&display=swap');

/* VINTAGE RETRO THEME VARIABLES ------------------------------------------ */
:root {
  --color-primary: #124E78;
  --color-secondary: #26A69A;
  --color-accent: #F7F7FA;
  --color-dark: #362B20; /* Retro dark brown */
  --color-light: #FDF7E2;
  --color-cream: #FFEDD0;
  --color-sand: #F7D9B7;
  --color-peach: #F0A16B;
  --color-red-retro: #C44536;
  --color-outline: #E5C49E;
  --color-shadow: rgba(58, 42, 31, 0.10);
  --font-display: 'Montserrat', Arial, sans-serif;
  --font-body: 'Roboto', Arial, sans-serif;
  --radius: 14px;
  --shadow-md: 0 4px 16px var(--color-shadow);
  --transition: 0.21s cubic-bezier(0.7,0.5,0,1.1);
}

/* UTILITIES -------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: 1170px;
  margin: 0 auto;
  padding-left: 16px;
  padding-right: 16px;
  box-sizing: border-box;
}
.content-wrapper {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: var(--color-light);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  position: relative;
}
@media (max-width: 600px) {
  .content-wrapper {
    padding: 26px 8px;
    margin-bottom: 32px;
  }
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: var(--color-cream);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 28px 22px;
  min-width: 270px;
}
.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;
}
.testimonials-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 24px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 20px;
  background: #fffbe7;
  border-radius: var(--radius);
  box-shadow: 0 2px 10px var(--color-shadow);
  border: 1.5px solid var(--color-outline);
  min-width: 260px;
  max-width: 340px;
  flex: 1 1 220px;
}
.feature-grid, .process-steps, .team-section, .articles-list, .insurers-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: flex-start;
}
.feature {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 15px;
  background: var(--color-cream);
  border-radius: var(--radius);
  padding: 24px 18px;
  box-shadow: var(--shadow-md);
  min-width: 210px;
  flex: 1 1 180px;
  margin-bottom: 20px;
}
.step {
  background: var(--color-sand);
  border-radius: var(--radius);
  padding: 24px 18px;
  min-width: 180px;
  flex: 1 1 140px;
  margin-bottom: 20px;
  text-align: center;
  box-shadow: 0 2px 8px var(--color-shadow);
}
.team-member {
  background: var(--color-cream);
  padding: 20px 16px;
  margin-bottom: 20px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  flex: 1 1 200px;
}
.article-category,
.article-featured {
  background: #fffbe7;
  border-radius: var(--radius);
  padding: 24px 18px;
  margin-bottom: 20px;
  flex: 1 1 190px;
  box-shadow: 0 2px 8px var(--color-shadow);
}
.article-featured {
  background: var(--color-peach);
  color: var(--color-dark);
  border-left: 6px solid var(--color-red-retro);
}
.articles-list {
  gap: 22px;
  align-items: stretch;
}
.insurers-grid {
  gap: 20px;
  align-items: center;
  margin-top: 20px;
}
.insurer {
  background: var(--color-accent);
  border-radius: var(--radius);
  padding: 14px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 108px;
  box-shadow: 0 2px 8px var(--color-shadow);
}
.insurer span {
  font-size: 14px;
  font-family: var(--font-display);
  letter-spacing: 1px;
  margin-top: 5px;
}
.comparison-table {
  background: var(--color-sand);
  padding: 22px 8px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  overflow-x: auto;
}
.comparison-table table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
}
.comparison-table th, .comparison-table td {
  font-size: 16px;
  padding: 12px 10px;
  text-align: left;
  border-bottom: 1px solid #efd8b7;
}
.comparison-table th {
  background: #ffefd9;
  font-family: var(--font-display);
  letter-spacing: 1px;
  color: var(--color-dark);
}
.comparison-table tr:last-child td {
  border-bottom: none;
}
.insurance-type-selector ul {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
  align-items: center;
  margin: 0;
  padding: 0;
  list-style: none;
}
.insurance-type-selector li {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--color-cream);
  border-radius: 18px;
  padding: 10px 20px;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--color-primary);
  font-size: 17px;
  margin-bottom: 10px;
  box-shadow: 0 1px 4px var(--color-shadow);
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}
.insurance-type-selector li:hover {
  background: var(--color-peach);
  color: var(--color-red-retro);
}

/***** TYPOGRAPHY & VINTAGE STYLE ****************************************/ 
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 900;
  letter-spacing: 0.5px;
  color: var(--color-primary);
}
h1 {
  font-size: 2.6rem;
  margin-bottom: 22px;
  color: var(--color-red-retro);
  text-shadow: 1px 2px 0 #fffbe7, 0 2px 8px var(--color-shadow);
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
  color: var(--color-primary);
}
h3 {
  font-size: 1.35rem;
  margin-bottom: 12px;
  color: var(--color-secondary);
}
h4, h5, h6 {
  font-size: 1.12rem;
  margin-bottom: 8px;
  color: var(--color-dark);
}
p, li, td, th, a, span {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.5;
}
p:not(:last-child), ul:not(:last-child), ol:not(:last-child) {
  margin-bottom: 16px;
}
ul li, ol li {
  margin-bottom: 7px;
}

.quote, blockquote {
  font-style: italic;
  color: #A67C52;
  border-left: 4px solid #D09F7B;
  padding-left: 14px;
  margin: 14px 0 14px 0;
  background: #fffbe7;
}
.faq-list {
  margin: 10px 0 22px 0;
  padding: 0;
  list-style: none;
}
.faq-list li {
  background: var(--color-cream);
  margin-bottom: 16px;
  border-radius: var(--radius);
  padding: 18px 16px;
  box-shadow: 0 2px 8px var(--color-shadow);
  font-size: 1rem;
  color: var(--color-dark);
}
.faq-list a {
  font-weight: 500;
  text-decoration: underline dotted;
}
.topic-filters {
  margin-top: 20px;
  font-size: 1rem;
}
.topic-filters a {
  color: var(--color-red-retro);
  font-family: var(--font-display);
  margin: 0 7px;
}

/***** BUTTONS & CTA ****************************************************/ 
.cta-primary {
  background: var(--color-red-retro);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-size: 1.15rem;
  padding: 13px 32px;
  border: none;
  border-radius: 25px;
  box-shadow: 0 4px 14px var(--color-shadow);
  cursor: pointer;
  transition: background 0.14s, transform 0.13s, box-shadow 0.14s;
  margin-top: 16px;
  display: inline-block;
  outline: none;
}
.cta-primary:hover, .cta-primary:focus {
  background: var(--color-primary);
  color: #fffbe7;
  transform: translateY(-2px) scale(1.027);
  box-shadow: 0 7px 21px var(--color-shadow);
}
.cta-link {
  background: none;
  color: var(--color-primary);
  border-bottom: 2.5px solid var(--color-red-retro);
  padding-bottom: 2px;
  font-family: var(--font-display);
  font-weight: bold;
  font-size: 1.02rem;
  transition: color 0.13s, border-color 0.17s;
}
.cta-link:hover,
.cta-link:focus {
  color: var(--color-secondary);
  border-color: var(--color-secondary);
}

/***** NAVIGATION & HEADER **********************************************/ 
header {
  background: var(--color-sand);
  box-shadow: 0 2px 10px var(--color-shadow);
  padding: 0;
  position: relative;
}
.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 12px;
  padding-bottom: 12px;
}
.main-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 18px;
}
.main-nav a {
  font-family: var(--font-display);
  font-size: 1.03rem;
  color: var(--color-primary);
  text-shadow: 0 1px 0 #fffbe7;
  font-weight: 700;
  letter-spacing: 0.5px;
  padding: 6px 9px;
  border-radius: 12px;
  transition: background 0.1s, color 0.11s;
}
.main-nav a:hover, .main-nav .active {
  background: var(--color-secondary);
  color: #fffbe7;
}
.main-nav .cta-primary {
  margin-left: 18px;
}
.mobile-menu-toggle {
  display: none;
  background: var(--color-red-retro);
  color: #fff;
  border: none;
  font-size: 2.1rem;
  padding: 7px 16px;
  border-radius: 45px;
  margin-left: 12px;
  cursor: pointer;
  box-shadow: 0 2px 8px var(--color-shadow);
  transition: background 0.14s, color 0.11s;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: var(--color-primary);
  color: #fffbe7;
}

/***** MOBILE NAVIGATION ************************************************/
.mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  z-index: 1200;
  background: var(--color-cream);
  flex-direction: column;
  align-items: flex-start;
  padding: 32px 28px 24px 28px;
  box-shadow: 0 0 42px var(--color-shadow);
  transform: translateX(-100%);
  will-change: transform;
  transition: transform 0.45s cubic-bezier(0.7,0.5,0,1.1);
}
.mobile-menu.open {
  display: flex;
  transform: translateX(0);
}
.mobile-menu-close {
  background: var(--color-red-retro);
  border: none;
  color: #fff;
  font-size: 2.1rem;
  border-radius: 50%;
  width: 46px;
  height: 46px;
  align-self: flex-end;
  margin-bottom: 24px;
  cursor: pointer;
  transition: background 0.14s, color 0.13s;
  box-shadow: 0 1px 9px var(--color-shadow);
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  background: var(--color-primary);
  color: #FFFBE7;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  width: 100%;
}
.mobile-nav a {
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--color-primary);
  font-weight: bold;
  padding: 13px 7px 13px 3px;
  border-bottom: 1px dashed var(--color-outline);
  border-radius: 0;
  background: none;
  transition: color 0.11s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  color: var(--color-red-retro);
}

/***** HERO & SPECIAL SECTIONS *******************************************/
.hero {
  background: linear-gradient(110deg, #FFFBE7 72%, #F7D9B7 100%);
  border-bottom: 2.5px dashed #FFD897;
  padding: 44px 0 0 0;
}
.hero .content-wrapper {
  background: none;
  box-shadow: none;
  padding: 0;
  margin-bottom: 38px;
  text-align: left;
}
.hero h1 {
  font-size: 2.4rem;
  margin-bottom: 16px;
}
.hero p {
  font-size: 1.2rem;
  color: var(--color-dark);
  margin-bottom: 24px;
}

/***** FOOTER ***********************************************************/
footer {
  background: #fffbe7;
  border-top: 3px dotted #efd8b7;
  margin-top: 60px;
  font-size: 1rem;
}
.footer-container {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: space-between;
  align-items: center;
  padding-top: 32px;
  padding-bottom: 24px;
}
.footer-menu {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-family: var(--font-display);
}
.footer-menu a {
  color: var(--color-primary);
  font-weight: 700;
  font-size: 1rem;
  transition: color 0.12s;
}
.footer-menu a:hover {
  color: var(--color-red-retro);
}
.footer-contact-details {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.99rem;
  color: var(--color-dark);
}
.footer-contact-details img {
  vertical-align: middle;
  margin-right: 6px;
}
.footer-brand-logo img {
  display: block;
  width: 64px;
  height: auto;
  filter: sepia(0.6) contrast(1.2) brightness(0.93);
  margin: 0 auto;
}

/***** RESPONSIVE DESIGN ************************************************/
@media (max-width: 1060px) {
  .footer-container, .content-grid, .feature-grid, .process-steps, .team-section, .articles-list, .insurers-grid {
    flex-direction: column;
    gap: 20px;
    align-items: stretch;
  }
  .main-nav {
    flex-wrap: wrap;
    gap: 9px;
  }
}
@media (max-width: 900px) {
  .container {
    max-width: 98vw;
  }
}
@media (max-width: 768px) {
  .nav-container {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 9px;
  }
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: inline-block;
  }
  .content-wrapper, .section {
    padding: 24px 7px;
    margin-bottom: 36px;
  }
  .testimonials-grid,
  .feature-grid, .process-steps, .team-section, .articles-list, .insurers-grid {
    flex-direction: column;
    gap: 20px;
  }
  .comparison-table th, .comparison-table td {
    font-size: 0.98rem;
    padding: 8px 6px;
  }
  .text-image-section {
    flex-direction: column;
    align-items: stretch;
    gap: 18px;
  }
  .footer-container {
    flex-direction: column;
    align-items: flex-start;
    gap: 22px;
    padding-top: 16px;
    padding-bottom: 9px;
  }
}
@media (max-width: 448px) {
  .footer-menu {
    flex-direction: column;
    gap: 4px;
  }
  .footer-menu a {
    font-size: 0.92rem;
  }
}

/***** TABLES & SUMMARY CARDS ********************************************/
table {
  width: 100%;
  margin-bottom: 15px;
  border-collapse: separate;
  border-spacing: 0;
}
th, td {
  border: none;
  font-size: 1rem;
}

/***** TESTIMONIALS ******************************************************/
.testimonial-card {
  border: 2.5px solid var(--color-outline);
  background: #fffbe7;
  color: #362B20;
  font-size: 1.01rem;
}
.testimonial-card p {
  margin-bottom: 5px;
  font-style: italic;
  font-family: var(--font-body);
  font-size: 1.05rem;
}
.testimonial-info {
  display: flex;
  gap: 11px;
  align-items: center;
  font-family: var(--font-display);
  font-size: 0.94rem;
  color: #8a6f4d;
  letter-spacing: 0.04em;
}
.testimonial-card span:last-child {
  color: var(--color-red-retro);
  font-size: 1.02rem;
}

/***** SPECIAL SECTIONS ***********************************************/
.thank-you-message {
  background: var(--color-cream);
  border: 2px dashed var(--color-red-retro);
  padding: 24px 16px;
  border-radius: var(--radius);
  color: var(--color-dark);
  margin-top: 10px;
  margin-bottom: 10px;
}
.contact-cta {
  background: var(--color-peach);
  text-align: center;
  border-radius: var(--radius);
  box-shadow: 0 4px 14px var(--color-shadow);
  color: var(--color-dark);
}

/***** COOKIE CONSENT BANNER *********************************************/
.cookie-consent-banner {
  position: fixed;
  left: 0;
  bottom: 0;
  width: 100vw;
  background: #ffefd9;
  color: #4E3B24;
  border-top: 2.5px solid var(--color-outline);
  box-shadow: 0 -3px 14px var(--color-shadow);
  z-index: 2000;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: flex-start;
  gap: 20px;
  padding: 22px 12px 20px 12px;
  animation: cookie-banner-slidein 0.65s cubic-bezier(0.7,0.5,0,1.1);
  font-size: 0.97rem;
}
@keyframes cookie-banner-slidein {
  0% { transform: translateY(120%); opacity: 0; }
  90% { opacity: 1; }
  100% { transform: translateY(0); }
}
.cookie-consent-banner p {
  margin-bottom: 7px;
  font-family: var(--font-body);
}
.cookie-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}
.cookie-btn {
  background: var(--color-secondary);
  color: #fffbe7;
  font-family: var(--font-display);
  font-weight: bold;
  border: none;
  border-radius: 21px;
  padding: 10px 22px;
  cursor: pointer;
  margin-right: 6px;
  font-size: 1.01rem;
  transition: background 0.13s, color 0.12s, transform 0.13s;
}
.cookie-btn.accept { background: var(--color-primary); }
.cookie-btn.accept:hover { background: var(--color-red-retro); color: #fff; transform: scale(1.04); }
.cookie-btn.reject { background: #c44536; color: #fff; }
.cookie-btn.reject:hover { background: var(--color-primary); color: #fffbe7; transform: scale(1.04); }
.cookie-btn.settings { background: var(--color-outline); color: var(--color-red-retro); }
.cookie-btn.settings:hover { background: var(--color-sand); color: var(--color-primary); transform: scale(1.04); }

/***** COOKIE MODAL ******************************************************/
.cookie-modal-overlay {
  position: fixed;
  left: 0; top: 0;
  width: 100vw;
  height: 100vh;
  z-index: 2500;
  background: rgba(30,16,4,0.18);
  display: flex;
  justify-content: center;
  align-items: center;
  animation: fade-in 0.3s cubic-bezier(0.42,0,0.58,1);
}
@keyframes fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal {
  background: #fffbe7;
  border-radius: 19px;
  border: 3px solid var(--color-outline);
  box-shadow: 0 6px 32px var(--color-shadow);
  max-width: 94vw;
  width: 385px;
  padding: 30px 20px 24px 24px;
  position: relative;
  animation: modal-pop-in 0.38s cubic-bezier(0.7,0.5,0,1.1);
}
@keyframes modal-pop-in {
  0% { transform: scale(0.88); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}
.cookie-modal h2 {
  font-size: 1.33rem;
  color: var(--color-primary);
  margin-bottom: 19px;
}
.cookie-modal label {
  display: flex;
  align-items: center;
  font-size: 1rem;
  margin-bottom: 13px;
  color: var(--color-dark);
  font-family: var(--font-body);
}
.cookie-modal input[type="checkbox"] {
  width: 17px;
  height: 17px;
  accent-color: var(--color-primary);
  margin-right: 9px;
}
.cookie-modal .modal-btns {
  margin-top: 15px;
  display: flex;
  gap: 12px;
  justify-content: flex-end;
}
.cookie-modal .modal-close {
  position: absolute;
  top: 11px;
  right: 17px;
  background: var(--color-red-retro);
  color: #fff;
  border: none;
  width: 34px; height: 34px;
  border-radius: 50%;
  font-size: 1.6rem;
  cursor: pointer;
  box-shadow: 0 1px 7px var(--color-shadow);
  transition: background 0.13s;
}
.cookie-modal .modal-close:hover,
.cookie-modal .modal-close:focus {
  background: var(--color-primary);
}

/***** MISC ELEMENTS *****************************************************/
ul:not(.main-nav):not(.faq-list):not(.footer-menu) li {
  list-style-type: circle;
  margin-left: 19px;
}
strong, b {
  font-weight: 700;
  color: var(--color-primary);
}
::-webkit-scrollbar {
  height: 9px;
  width: 9px;
  background: #ffefd9;
}
::-webkit-scrollbar-thumb {
  background: var(--color-outline);
  border-radius: 6px;
}

/* Numbered steps for process */
.step h3::before {
  content: '';
  display: inline-block;
  width: 23px;
  height: 23px;
  background: var(--color-red-retro);
  border-radius: 50%;
  margin-right: 8px;
  vertical-align: middle;
  box-shadow: 0 2px 8px var(--color-shadow);
}

/***** ANIMATIONS & MICROINTERACTIONS ************************************/
.card, .feature, .step, .team-member, .article-category, .insurer, .testimonial-card {
  transition: box-shadow 0.18s, transform 0.16s, background 0.13s;
}
.card:hover,
.feature:hover,
.step:hover,
.team-member:hover,
.article-category:hover,
.insurer:hover,
.testimonial-card:hover {
  box-shadow: 0 7px 21px var(--color-shadow);
  transform: scale(1.026);
  background: #fffbe7;
}

/***** ALIGNMENTS & SPACING **********************************************/
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
.contact-info-section {
  margin-bottom: 24px;
}
.map-section {
  margin-bottom: 24px;
}

/***** PRINT OVERRIDE ***************************************************/
@media print {
  header, footer, .mobile-menu, .cookie-consent-banner, .cookie-modal-overlay {
    display: none !important;
  }
  * {
    background: none !important;
    box-shadow: none !important;
    color: #222 !important;
  }
}