/* =====================================================
   DREAMY QUARTZ FINTECH - LUXURY PREMIUM CSS
   Style: Luxury, Premium, Gold Accents, Refined, Flexbox Only
   ==========================================================*/
/* ============ CSS 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-size: 100%;
  font: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
  font-size: 16px;
  color: #23243a;
  background: #F5F7FA;
  line-height: 1.6;
  min-height: 100vh;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
a {
  color: #2A3682;
  text-decoration: none;
  transition: color 0.2s cubic-bezier(.4,0,.2,1);
}
a:focus, a:hover {
  color: #BE9B5C;
}
ul, ol {
  list-style: none;
}

/* ======= BRAND FONTS ======= */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  color: #23243a;
  line-height: 1.15;
  letter-spacing: .01em;
}
h1 { font-size: 2.5rem; margin-bottom: 24px; }
h2 { font-size: 2rem; margin-bottom: 20px; }
h3 { font-size: 1.35rem; margin-bottom: 14px; font-weight: 600; }
h4, h5, h6 { font-size: 1.1rem; margin-bottom: 10px; }
p, .text-section p, .content-wrapper p { margin-bottom: 18px; }
strong { font-weight: bold; color: #2A3682; }


/* ====================
   LUXURY PREMIUM COLORS
   ==================== */
:root {
  --primary: #2A3682;
  --primary-rgb: 42,54,130;
  --secondary: #4FC3C5;
  --accent: #F5F7FA;
  --gold: #BE9B5C;
  --gold-dark: #846229;
  --text-dark: #23243a;
}

/* =========================
   SPACING / CONTAINER / LAYOUT
   ========================= */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-direction: column;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 8px 32px 0 rgba(42,54,130,0.06);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

@media (max-width: 1000px) {
  .container { max-width: 97vw; }
}

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

.text-section {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 16px 0 rgba(190,155,92,0.10);
  border: 1px solid #eed7bc;
  padding: 32px 28px;
  position: relative;
  margin-bottom: 20px;
  transition: box-shadow 0.2s cubic-bezier(.4,0,.2,1), border 0.2s cubic-bezier(.4,0,.2,1);
}
.card:hover, .card:focus-within {
  border-color: var(--gold);
  box-shadow: 0 8px 28px 0 rgba(190,155,92,0.21);
  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;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    align-items: stretch;
    gap: 18px;
  }
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  margin-bottom: 20px;
  background: #fafbfc;
  border-radius: 15px;
  box-shadow: 0 2px 16px 0 rgba(42,54,130,0.06);
  border: 1px solid #E6E4DD;
  max-width: 780px;
}
.testimonial-card blockquote {
  color: #23243a;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.05rem;
  line-height: 1.4;
  margin: 0 0 4px 0;
  font-weight: 500;
}
.testimonial-card cite {
  font-style: normal;
  color: var(--gold-dark);
  font-family: 'Open Sans', Arial;
  font-size: 0.98rem;
}

.section ul {
  margin: 0 0 0 6px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.section ul li {
  font-size: 1.05rem;
  color: #36343A;
  line-height: 1.5;
  letter-spacing: 0.01em;
  position: relative;
  display: flex;
  align-items: flex-start;
  gap: 15px;
}
.section ul li img {
  width: 32px;
  height: 32px;
  object-fit: contain;
  margin-right: 4px;
  filter: drop-shadow(0 1px 2px rgba(190,155,92,0.13));
}
.section ul li strong {
  color: var(--primary);
  font-size: 1.1em;
}

/* =========================
   BUTTONS & CTA
   ========================= */
.cta, .section a.cta, .footer-nav a.cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--gold);
  color: #fff !important;
  border: none;
  border-radius: 24px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  padding: 14px 34px;
  box-shadow: 0 4px 12px 0 rgba(190,155,92,0.13);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 8px;
  cursor: pointer;
  transition: background 0.18s cubic-bezier(.4,0,.2,1), box-shadow 0.18s cubic-bezier(.4,0,.2,1);
}
.cta:hover, .cta:focus {
  background: #a6853a;
  color: #fff;
  box-shadow: 0 8px 24px 0 rgba(190,155,92,0.15), 0 0px 0px 2px #eee;
  outline: none;
}

button, .button {
  font-family: inherit;
  font-weight: 600;
  font-size: 1rem;
  border: none;
  border-radius: 20px;
  padding: 12px 28px;
  background: var(--primary);
  color: #fff;
  cursor: pointer;
  transition: background 0.15s cubic-bezier(.4,0,.2,1), box-shadow 0.15s cubic-bezier(.4,0,.2,1);
}
button:hover, .button:hover, button:focus, .button:focus {
  background: var(--gold-dark);
  color: #fff;
  box-shadow: 0 4px 20px 0 rgba(42,54,130,0.13);
}

/* =========================
   HEADER & NAVIGATION
   ========================= */
header {
  background: #fff;
  box-shadow: 0 4px 24px 0 rgba(190,155,92,0.13);
  border-bottom: 2px solid #ede8e0;
  padding: 0;
  margin-bottom: 0;
}
header .container {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  min-height: 86px;
  gap: 22px;
}
header img {
  height: 42px;
  width: auto;
  margin-right: 16px;
}

.main-nav {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 20px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1.08rem;
  color: var(--primary);
  padding: 4px 10px;
  border-radius: 8px;
  transition: color 0.14s, background 0.18s;
  position: relative;
  z-index: 2;
}
.main-nav a.cta {
  background: var(--gold);
  color: #fff;
  padding: 8px 22px;
  box-shadow: 0 2px 8px 0 rgba(190,155,92,0.08);
  border-radius: 24px;
}
.main-nav a:hover, .main-nav a:focus {
  background: rgba(190,155,92,0.098);
  color: var(--gold-dark);
}
.main-nav a.cta:hover, .main-nav a.cta:focus {
  background: var(--gold-dark);
  color: #fff;
}
.mobile-menu-toggle {
  display: none;
  background: none;
  color: var(--primary);
  border: none;
  font-size: 2rem;
  line-height: 1;
  margin-left: 20px;
  cursor: pointer;
  z-index: 1002;
  transition: color 0.16s cubic-bezier(.4,0,.2,1);
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  color: var(--gold);
}
@media (max-width: 1024px) {
  .main-nav { gap: 14px; }
}
@media (max-width: 900px) {
  .main-nav { gap: 8px; }
  header img { height: 30px; }
}
@media (max-width: 768px) {
  .main-nav { display: none; }
  .mobile-menu-toggle { display: inline-block; }
  header .container {
    flex-direction: row;
    align-items: center;
  }
}

/* ============================
   MOBILE MENU OVERLAY / SLIDE
   ============================ */
.mobile-menu {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(247, 244, 233, 0.98);
  z-index: 1200;
  transform: translateX(-100%);
  transition: transform 0.4s cubic-bezier(.85,0,.17,1);
  width: 100vw; height: 100vh;
  box-shadow: 8px 0 48px 0 rgba(42, 54, 130, 0.13);
}
.mobile-menu.open {
  transform: translateX(0%);
}
.mobile-menu-close {
  background: none;
  color: var(--primary);
  border: none;
  font-size: 2rem;
  align-self: flex-end;
  margin: 28px 28px 0 0;
  cursor: pointer;
  z-index: 20;
  transition: color 0.16s cubic-bezier(.4,0,.2,1);
}
.mobile-menu-close:focus, .mobile-menu-close:hover {
  color: var(--gold-dark);
}
.mobile-nav {
  width: 100%;
  padding: 56px 0 0 0;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 1.19rem;
  color: var(--primary);
  padding: 18px 32px;
  width: 100%;
  border-radius: 0;
  text-align: left;
  transition: background 0.17s, color 0.15s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: rgba(190,155,92,0.09);
  color: var(--gold-dark);
}
@media (max-width: 768px) {
  .mobile-menu { font-size: 1.1rem; }
}

/* =========================
   BLOG LIST (blog-list)
   ========================= */
.blog-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 8px;
}
.blog-list li {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 16px 0 rgba(190,155,92,0.07);
  border: 1px solid #e6e6e1;
  padding: 22px 26px;
}
.category {
  background: var(--secondary);
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 9px;
  padding: 2px 11px;
  font-size: 0.95rem;
  margin-right: 9px;
  vertical-align: middle;
}
/* =========================
   TRUST SIGNALS & BADGES
   ========================= */
.trust-signals {
  display: flex;
  gap: 32px;
  align-items: center;
  margin-top: 18px;
  margin-bottom: 8px;
}
.trust-signals img {
  height: 44px;
  width: auto;
  filter: drop-shadow(0 1px 6px rgba(222,170,93,0.07));
}
/* =========================
   CONTACT DETAILS & MAP
   ========================= */
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 1.04rem;
  color: #23243a;
}
.contact-details p {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 2px;
}
.contact-details img {
  width: 22px;
  height: 22px;
  object-fit: contain;
}
.map {
  margin: 25px 0 0 0;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 16px;
}
/* =========================
   FOOTER
   ========================= */
footer {
  background: #22233C;
  color: #fff;
  padding: 0;
  margin-top: 38px;
  font-size: 0.98rem;
}
footer .container {
  padding: 32px 20px 18px 20px;
}
.footer-top {
  border-bottom: 1px solid #54472b;
  display: flex;
  align-items: center;
  flex-direction: row;
  gap: 34px;
  padding-bottom: 23px;
  margin-bottom: 18px;
}
.footer-top img {
  height: 32px;
  width: auto;
  margin-right: 10px;
}
.footer-nav {
  display: flex;
  align-items: center;
  gap: 18px;
}
.footer-nav a {
  color: #F5F7FA;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 500;
  font-size: 0.98rem;
  padding: 4px 12px;
  border-radius: 8px;
  transition: color 0.14s, background 0.18s;
}
.footer-nav a:hover, .footer-nav a:focus {
  color: var(--gold);
  background: rgba(190,155,92,0.11);
}
.footer-bottom {
  display: flex;
  flex-direction: row;
  gap: 70px;
  justify-content: space-between;
  align-items: flex-end;
  margin-top: 22px;
}
footer .contact-details {
  color: #fff;
  gap: 4px;
  font-size: 1em;
}
footer .contact-details a {
  color: #BE9B5C;
  text-decoration: underline;
  font-weight: 600;
  transition: color .17s;
}
footer .contact-details a:hover, footer .contact-details a:focus {
  color: var(--gold-dark);
}
.social-links {
  display: flex;
  align-items: center;
  gap: 16px;
}
.social-links a img {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 8px 0 rgba(42,54,130,0.08);
  transition: filter .19s, box-shadow .13s;
}
.social-links a:hover img, .social-links a:focus img {
  filter: brightness(1.35) drop-shadow(0 0 8px #BE9B5C);
  box-shadow: 0 2px 14px 0 rgba(190,155,92,.15);
}

@media (max-width: 900px) {
  .footer-bottom { flex-direction: column; gap: 34px; align-items: flex-start; }
}
@media (max-width: 650px) {
  .footer-top { flex-direction: column; gap: 18px; padding-bottom: 17px; }
  .footer-nav { gap: 10px; }
  .footer-bottom { gap: 18px; }
}

/* =========================
   RESPONSIVE: MOBILE
   ========================= */
@media (max-width: 900px) {
  .container, .section { padding-left: 10px; padding-right: 10px; }
  .section { padding: 30px 10px; }
}
@media (max-width: 600px) {
  h1 { font-size: 1.5rem; }
  h2 { font-size: 1.2rem; }
  h3 { font-size: 1.08rem; }
  .card, .blog-list li, .testimonial-card { padding: 15px 12px; font-size: 0.96em; }
  .section {padding:18px 5px; margin-bottom:40px;}
}
@media (max-width: 500px) {
  body, .container, .section, .content-wrapper { font-size: 0.98em; }
}

/* Guarantee minimum 20px margin between cards & sections */
.card, .testimonial-card, .blog-list li, .section { margin-bottom: 20px; }

/* =========================
   MICRO-INTERACTIONS / EFFECTS
   ========================= */
.card, .testimonial-card, .blog-list li, .cta, .section, .footer-top, .footer-nav a, .main-nav a, .mobile-nav a, .social-links a img, .mobile-menu, .mobile-menu-close {
  transition: box-shadow 0.23s cubic-bezier(.4,0,.2,1), border 0.18s, background 0.21s, color 0.15s;
}

/* =========================
   COOKIE CONSENT BANNER
   ========================= */
.cookie-banner {
  position: fixed;
  left: 0; right: 0;
  bottom: 0;
  width: 100vw;
  z-index: 2000;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  padding: 26px 18px 26px 28px;
  background: #261F14;
  color: #fff;
  box-shadow: 0 -4px 32px 0 rgba(190,155,92,.25);
  font-size: 1.02rem;
  gap: 18px;
  border-top: 2px solid #BE9B5C;
  opacity: 0;
  pointer-events: none;
  transform: translateY(100%);
  transition: opacity 0.27s cubic-bezier(.4,0,.2,1), transform 0.37s cubic-bezier(.4,0,.2,1);
}
.cookie-banner.active {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0%);
}
.cookie-banner-message {
  flex: 1;
  padding-right: 32px;
}
.cookie-banner-buttons {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 14px;
}
.cookie-btn {
  background: var(--gold);
  color: #fff;
  border: none;
  border-radius: 18px;
  padding: 9px 22px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  margin-left: 0;
  box-shadow: 0 1px 7px 0 rgba(190,155,92,0.12);
  transition: background 0.14s;
}
.cookie-btn.settings {
  background: none;
  border: 1.5px solid var(--gold);
  color: var(--gold);
  margin-left: 3px;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: var(--gold-dark);
  color: #fff;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: var(--gold);
  color: #fff;
}
@media (max-width: 640px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 13px 6px 13px 10px;
    font-size: 0.97em;
    gap: 6px;
  }
  .cookie-banner-message { padding-right: 0; }
  .cookie-banner-buttons { gap: 7px; }
}

/* ================
   COOKIE SETTINGS MODAL
   ================ */
.cookie-modal-overlay {
  position: fixed;
  z-index: 3001;
  left: 0;
  top: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(37,34,30,0.82);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.34s cubic-bezier(.4,0,.2,1);
}
.cookie-modal-overlay.open {
  opacity: 1;
  pointer-events: all;
}
.cookie-modal {
  background: #fffdfa;
  color: #23243a;
  border-radius: 18px;
  box-shadow: 0 8px 48px 0 rgba(190,155,92,.21);
  padding: 38px 32px 28px 32px;
  min-width: 320px;
  max-width: 94vw;
  min-height: 200px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  position: relative;
  z-index: 3002;
  animation: appearModal 0.44s cubic-bezier(.4,0,.2,1);
}
@keyframes appearModal {
  from { transform: scale(.87); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.cookie-modal-close {
  position: absolute;
  top: 21px;
  right: 19px;
  background: none;
  border: none;
  color: var(--gold-dark);
  font-size: 1.5rem;
  cursor: pointer;
  font-weight: 600;
  z-index: 3;
  transition: color 0.15s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  color: var(--primary);
}
.cookie-modal h2 {
  color: var(--primary);
  font-size: 1.35rem;
  margin-bottom: 7px;
}
.cookie-modal-category {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 13px;
  background: #FAEED9;
  border-radius: 11px;
  padding: 12px 17px 12px 12px;
  margin-bottom: 8px;
}
.cookie-modal-category.essential {
  opacity: 0.66;
  font-style: italic;
}
.cookie-modal-category label {
  flex: 1;
  font-size: 1.01rem;
  font-weight: 500;
  color: #23243a;
}
.cookie-toggle {
  accent-color: var(--gold);
  width: 26px;
  height: 26px;
  margin-right: 6px;
}
/* Checkbox switch style */
.cookie-switch {
  width: 48px; height: 26px;
  position: relative; display: inline-block;
}
.cookie-switch input {
  opacity: 0; width: 0; height: 0;
}
.cookie-slider {
  position: absolute; cursor: pointer;
  top: 0; left: 0; right: 0; bottom: 0;
  background: #ddd1bb;
  border-radius: 17px;
  transition: background 0.18s;
}
.cookie-switch input:checked + .cookie-slider {
  background: var(--gold);
}
.cookie-slider:before {
  content: "";
  position: absolute; left: 4px; top: 3px;
  width:20px; height:20px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 4px 0 rgba(42,54,130,.10);
  transition: transform 0.15s;
}
.cookie-switch input:checked + .cookie-slider:before {
  transform: translateX(20px);
}
.cookie-modal-actions {
  margin-top: 14px;
  display: flex;
  gap: 12px;
  justify-content: flex-end;
}
@media (max-width: 500px) {
  .cookie-modal { padding: 16px 7px 16px 12px; }
}

/* =========================
   UTILITIES
   ========================= */
.gold-text { color: var(--gold); }
.bg-accent { background: var(--accent) !important; }
.text-center { text-align: center !important; }
.flex-center { display: flex; align-items: center; justify-content: center; }

/* Hide elements visually but keep for accessiblity */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); border: 0;
}

/* =========================
   OVERRIDES FOR BRAND LUXURY
   ========================= */
hr {
  border: none;
  border-bottom: 2px solid var(--gold);
  margin: 26px 0;
}

::-webkit-scrollbar {
  width: 10px;
  border-radius: 8px;
  background: #ebe9e6;
}
::-webkit-scrollbar-thumb {
  background: var(--gold);
  border-radius: 8px;
}
::-webkit-scrollbar-thumb:hover {
  background: var(--gold-dark);
}

::selection { background: #FFFBf2; color: #2A3682; }

/* Ensure adequate spacing, prevent overlaps */
.section, .card, .testimonial-card, .blog-list li {
  margin-bottom: 24px;
}

/* Flexbox spacing for all .section > * */
.section > *:not(:last-child) {
  margin-bottom: 18px;
}

/* =========================
   END OF CSS
   ========================= */