/* CSS 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,
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,
main, 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, nav, section {
  display: block;
}
body {
  line-height: 1.6;
  background: #fff;
  color: #1a1a1a;
  font-family: 'Open Sans', Arial, Helvetica, sans-serif;
}
a {
  color: #204062;
  text-decoration: underline;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #000;
  text-decoration: none;
}
img {
  max-width: 100%;
  height: auto;
  vertical-align: middle;
}
ul, ol {
  margin-left: 1.5em;
  margin-bottom: 20px;
}
ul li, ol li {
  margin-bottom: 10px;
}
strong {
  font-weight: 700;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', Georgia, 'Times New Roman', serif;
  color: #141414;
  line-height: 1.2;
  font-weight: 700;
  margin-bottom: 24px;
}
h1 { font-size: 2.4rem; letter-spacing: -1px; }
h2 { font-size: 1.75rem; }
h3 { font-size: 1.2rem; }
h4 { font-size: 1.1rem; }
.lead {
  font-size: 1.15rem;
  color: #333;
  margin-bottom: 16px;
  font-family: 'Open Sans', Arial, sans-serif;
  letter-spacing: 0.1px;
  font-weight: 400;
}
p {
  margin-bottom: 16px;
  font-size: 1rem;
  color: #222;
}

@media (min-width: 700px) {
  h1 { font-size: 3rem; }
  h2 { font-size: 2.2rem; }
  .lead { font-size: 1.25rem; }
}

/* BRAND COLOR PALETTE (Monochrome, plus subtle brand color highlight) */
:root {
  --brand-primary: #204062;
  --brand-secondary: #4A90A2;
  --brand-accent: #F7F7F7;
  --mono-black: #141414;
  --mono-gray-light: #F5F5F5;
  --mono-gray-mid: #E5E6E9;
  --mono-gray-dark: #838A96;
  --mono-border: #D7D9DE;
  --mono-bg: #fff;
}

body {
  background: var(--mono-bg);
  color: var(--mono-black);
}

/* LAYOUT CONTAINERS AND SPACING */
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
  box-sizing: border-box;
}
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

@media (min-width: 900px) {
  .content-wrapper {
    gap: 28px;
  }
}

/* FLEXBOX ALIGNMENTS */
.header-flex {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 0;
}
.footer-flex {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  border-top: 1px solid var(--mono-border);
  padding: 26px 0 12px 0;
  margin-bottom: 24px;
}

/* NAVIGATION */
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
.main-nav a {
  color: #222;
  font-size: 1rem;
  font-family: 'Open Sans', Arial, sans-serif;
  font-weight: 500;
  letter-spacing: 0.1px;
  text-decoration: none;
  padding: 6px 0 6px 0;
  border-radius: 5px;
  transition: background 0.18s, color 0.15s;
}
.main-nav a:hover {
  background: var(--mono-gray-light);
  color: #000;
}
.main-nav .cta-primary {
  background: var(--brand-primary);
  color: #fff !important;
  padding: 8px 24px;
  border-radius: 24px;
  font-family: 'Merriweather', Georgia, serif;
  font-weight: 700;
  letter-spacing: 0.15px;
  margin-left: 14px;
  box-shadow: 0 2px 10px rgba(32, 64, 98, .09);
  transition: background 0.22s, transform 0.14s;
  text-decoration: none;
  font-size: 1rem;
}
.main-nav .cta-primary:hover,
.main-nav .cta-primary:focus {
  background: #111;
  color: #fff;
  transform: translateY(-2px) scale(1.04);
}

/* MOBILE MENU NAV */
.mobile-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: none;
  border: none;
  color: var(--brand-primary);
  font-size: 2.1rem;
  padding: 8px 14px;
  cursor: pointer;
  border-radius: 6px;
  margin-left: 14px;
  transition: background 0.18s;
  z-index: 1021;
}
.mobile-menu-toggle:focus,
.mobile-menu-toggle:hover {
  background: var(--mono-gray-light);
}

.main-nav {
  display: none;
}
@media (min-width: 950px) {
  .main-nav {
    display: flex !important;
  }
  .mobile-menu-toggle {
    display: none;
  }
}

.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw; height: 100vh;
  z-index: 1100;
  background: rgba(20,20,20,0.97);
  color: #fff;
  transform: translateX(-100%);
  transition: transform .32s cubic-bezier(.86,0,.07,1);
  display: flex;
  flex-direction: column;
  opacity: 1;
  box-shadow: 0 0 48px rgba(0,0,0,0.20);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 2.5rem;
  align-self: flex-end;
  margin: 18px 30px 8px 0;
  cursor: pointer;
  transition: color 0.18s;
  z-index: 1111;
}
.mobile-menu-close:hover {
  color: var(--brand-secondary);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
  margin-top: 30px;
}
.mobile-nav a {
  color: #fff;
  font-size: 1.4rem;
  padding: 14px 28px;
  border-radius: 18px;
  font-family: 'Merriweather', serif;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.16s,
    color 0.16s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: var(--brand-primary);
  color: #fff;
}

@media (min-width: 950px) {
  .mobile-menu {
    display: none !important;
  } 
}

/* HERO SECTION */
.hero {
  background: #fff;
  background-image: linear-gradient(90deg, #e8eaed 65%, #f7f7f7 100%);
  border-bottom: 1.5px solid var(--mono-gray-mid);
}
.hero .content-wrapper {
  min-height: 360px;
  justify-content: center;
  gap: 24px;
  align-items: flex-start;
}
.hero h1 {
  color: #141414;
  font-family: 'Merriweather', serif;
  font-weight: 900;
  letter-spacing: -1.2px;
}
.hero .cta-primary {
  background: var(--brand-primary);
  color: #fff;
}

/* CTA PRIMARY BUTTONS UNIVERSAL */
.cta-primary {
  display: inline-block;
  background: var(--brand-primary);
  color: #fff;
  border: none;
  border-radius: 100px;
  padding: 13px 38px;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.1rem;
  font-weight: bold;
  text-decoration: none;
  margin-top: 10px;
  transition: background 0.18s, transform 0.13s, box-shadow 0.13s;
  box-shadow: 0 1px 6px rgba(32,64,98,.13);
  cursor: pointer;
}
.cta-primary:hover, .cta-primary:focus {
  background: #000;
  color: #fff;
  transform: scale(1.045) translateY(-1px);
  box-shadow: 0 2px 20px rgba(32,64,98,0.18);
  text-decoration: underline;
}

/* SECTION: FEATURES */
.features .content-wrapper > h2 {
  margin-bottom: 10px;
}
.feature-grid {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-bottom: 28px;
  list-style: none;
  padding-left: 0;
}
.feature-grid li {
  background: #fff;
  border: 1.5px solid var(--mono-gray-mid);
  border-radius: 18px;
  box-shadow: 0 8px 32px rgba(32,64,98,.06);
  padding: 24px 20px 17px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 14px;
  min-width: 0;
  transition: box-shadow 0.19s, border 0.18s;
}
.feature-grid li:hover {
  border: 1.5px solid var(--brand-secondary);
  box-shadow: 0 4px 32px 6px rgba(74,144,162,0.08);
}
.feature-grid img {
  height: 38px;
  width: 38px;
  object-fit: contain;
  border-radius: 6px;
  background: var(--mono-gray-light);
}
.feature-grid h3 {
  font-size: 1.12rem;
  margin-bottom: 4px;
  margin-top: 0;
  color: #232323;
  font-weight: 700;
}
.feature-grid p {
  color: #444;
}

@media (min-width: 750px) {
  .feature-grid {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 28px;
  }
  .feature-grid li {
    flex: 1 1 240px;
    min-width: 240px;
    max-width: 305px;
  }
}

.feature-icons {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 22px;
  margin-top: 12px;
  color: var(--brand-secondary);
  font-family: 'Open Sans', Arial, sans-serif;
  font-weight: 600;
}
.feature-icons img {
  height: 30px; width: 30px;
  margin-right: 6px;
  background: var(--mono-gray-light);
  border-radius: 4px;
  box-shadow: 0 1px 5px rgba(32,64,98,0.03);
}
.feature-icons span {
  margin-right: 18px;
  color: #204062;
  letter-spacing: 0.1px;
  font-size: 0.97rem;
}

/* SERVICES SECTION */
.service-list, .service-cards {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.service-cards li {
  background: #fff;
  border: 1.5px solid var(--mono-gray-mid);
  border-radius: 15px;
  padding: 18px 18px;
  font-size: 1rem;
  color: #292929;
  box-shadow: 0 3px 13px rgba(32,64,98,0.045);
  margin-bottom: 0 !important;
}
@media (min-width: 720px) {
  .service-cards {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 24px;
  }
  .service-cards li {
    flex: 1 1 270px;
    min-width: 220px;
    max-width: 350px;
  }
}

/* CARD SPACING UNIVERSAL */
.card-container, .card-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(32,64,98,.06);
  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;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 20px;
  }
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* TESTIMONIALS */
.testimonials {
  background: var(--mono-gray-light);
}
.testimonials .content-wrapper > h2 {
  margin-bottom: 16px;
}
.testimonial-slider {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.testimonial-card {
  background: #fff;
  border: 1.5px solid var(--mono-gray-mid);
  border-radius: 16px;
  padding: 28px 26px 18px 26px;
  min-width: 260px;
  flex: 1 1 260px;
  font-size: 1rem;
  color: #171717;
  box-shadow: 0 4px 24px rgba(32,64,98,0.09);
  transition: border 0.19s, box-shadow 0.21s;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
}
.testimonial-card:hover {
  border: 1.5px solid var(--brand-primary);
  box-shadow: 0 8px 28px rgba(74,144,162,0.08);
}
.testimonial-card p {
  font-family: 'Merriweather', serif;
  color: #232323;
  margin-bottom: 4px;
}
.testimonial-footer {
  font-size: 0.97rem;
  color: #4A90A2;
  font-weight: 700;
  margin-top: 8px;
  letter-spacing: 0.03em;
}

@media (max-width: 800px) {
  .testimonial-slider {
    flex-direction: column;
    gap: 20px;
  }
}

/* CARDS AND MESSAGES UNIVERSAL */
.disclaimer, .insurance-box, .trust-signals {
  background: #fafafa;
  border-left: 5px solid var(--brand-secondary);
  border-radius: 14px;
  padding: 18px 22px;
  box-shadow: 0 2px 8px rgba(32,64,98,0.04);
  color: #1a1a1a;
  margin-top: 24px;
  margin-bottom: 16px;
}
.insurance-box {
  border-color: #204062;
}
.trust-signals {
  border-color: #4A90A2;
  font-weight: 600;
  color: #232323;
}

/* PROCESS FLOW / PREVIEW */
.process-steps-preview, .steps {
  list-style: decimal inside;
  margin: 0 0 0 0;
  padding: 0 0 0 18px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.process-steps-preview > li, .steps > li {
  background: #fff;
  border-left: 3px solid var(--brand-primary);
  padding: 11px 18px;
  border-radius: 0 12px 12px 0;
  margin-bottom: 0px !important;
  color: #181818;
  font-family: 'Open Sans', Arial, sans-serif;
}

/* ABOUT - TEAM PAGE */
.about .content-wrapper h2 {
  margin-top: 30px;
}
.about .text-section {
  margin-bottom: 8px;
}

/* FAQ PAGES */
.faq dl {
  width: 100%;
}
.faq dt {
  font-family: 'Merriweather', serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: #204062;
  margin-top: 16px;
  margin-bottom: 2px;
}
.faq dd {
  font-size: 1rem;
  color: #232323;
  margin-left: 0;
  margin-bottom: 10px;
  padding-bottom: 4px;
  margin-top: 0;
  border-bottom: 1px dotted #e0e0e0;
}

/* RATGEBER ARTICLE (GUIDE) */
.article-list, .download-links {
  display: flex;
  flex-direction: column;
  gap: 16px;
  list-style: none;
  margin: 0 0 24px 0;
}
.download-links li {
  display: flex;
  align-items: center;
  gap: 12px;
}
.download-links img {
  width: 30px; height: 30px; border-radius: 4px; background: #f8f8f8; box-shadow: 0 2px 6px rgba(32,64,98,0.04);
}
.download-links a {
  color: var(--brand-primary);
  text-decoration: underline;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.03em;
}
.download-links a:hover { color: #000; }

/* CONTACT SECTION */
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 30px;
  margin-top: 10px;
  margin-bottom: 24px;
}
@media (min-width: 750px) {
  .contact-details {
    flex-direction: row;
    align-items: flex-start;
    gap: 48px;
  }
}
.contact-details .text-section p {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #232323;
  margin-bottom: 9px;
  font-size: 1rem;
}
.contact-details img {
  width: 22px; height: 22px; object-fit: contain; background: #f3f6f9; border-radius: 3px;
}
.map-embed {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  background: #fafbfc;
  padding: 16px 20px 12px 20px;
  border-radius: 10px;
  box-shadow: 0 2px 6px rgba(32,64,98,0.07);
}
.map-embed img {
  width: 80px; height: 80px; border-radius: 10px; background: #f7f7f7; margin-bottom: 4px;
}
.map-embed a {
  color: #204062;
  font-weight: 700;
  font-size: 1rem;
}
.contact-instruction p {
  background: #f6f6f6;
  padding: 14px 16px;
  border-radius: 6px;
  color: #183752;
  margin-top: 12px;
  font-size: 1rem;
}

/* FOOTER */
footer {
  background: #f9f9f9;
  border-top: 1.5px solid var(--mono-gray-mid);
  font-size: 0.98rem;
}
.footer-nav {
  display: flex;
  gap: 22px;
}
.footer-nav a {
  color: #3d4853;
  text-decoration: underline;
  transition: color 0.185s;
  font-size: 1rem;
}
.footer-nav a:hover {
  color: var(--brand-primary);
}

/* CONFIRMATION-PAGE BUTTONS */
.confirmation .cta-primary {
  margin: 22px 0 0 0;
  padding: 11px 40px;
}

/* RESPONSIVE DESIGN, MOBILE FIRST */
@media (max-width: 900px) {
  .main-nav {
    display: none !important;
  }
  .faq dt, .article-list, .download-links {
    font-size: 1.02rem;
  }
  .footer-flex, .header-flex {
    flex-direction: column;
    gap: 14px;
    align-items: flex-start;
  }
}
@media (max-width: 720px) {
  .footer-flex, .header-flex {
    flex-direction: column;
    gap: 10px;
    align-items: flex-start;
    padding: 10px 0 10px 0;
  }
  .footer-nav {
    flex-wrap: wrap;
    gap: 12px;
  }
  .section, section {
    padding: 24px 7px;
    margin-bottom: 34px;
  }
  h1, h2 {
    font-size: 1.27rem;
  }
}

/*  Animations & Micro-interactions  */
.cta-primary, .main-nav .cta-primary, .testimonial-card, .feature-grid li, .service-cards li {
  transition: box-shadow 0.17s, background 0.14s, border 0.15s, transform 0.16s, color .15s;
}
section, .section, .testimonial-card, .service-cards li {
  animation: fadeinSection 0.7s cubic-bezier(.72,.04,.26,.93) both;
}
@keyframes fadeinSection {
  0% {opacity: 0; transform: translateY(24px) scale(0.98); }
  100% {opacity: 1; transform: translateY(0) scale(1);}
}

/* FOCUS VISIBLE (Accessibility) */
a:focus, .cta-primary:focus, button:focus {
  outline: 2.5px solid var(--brand-secondary);
  outline-offset: 2.5px;
}

/* COOKIE CONSENT BANNER */
.cookie-consent-banner {
  position: fixed;
  bottom: 0;
  left: 0; right: 0;
  width: 100vw;
  background: #23252d;
  color: #fff;
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 22px;
  padding: 22px 12px 18px 12px;
  box-shadow: 0 -4px 22px rgba(32,64,98,0.07);
  font-size: 1rem;
  font-family: 'Open Sans', Arial, sans-serif;
  border-top: 4px solid var(--brand-primary);
  animation: slideBannerUp 0.4s cubic-bezier(.82,.09,.15,1) both;
}
@keyframes slideBannerUp {
  0% { transform: translateY(100%); opacity: 0; }
  100% { transform: translateY(0); opacity: 1; }
}
.cookie-consent-banner .cookie-message {
  flex: 1 1 250px;
  color: #fff;
  font-size: 0.97rem;
  margin-right: 8px;
}
.cookie-consent-banner .cookie-btns {
  display: flex;
  flex-direction: row;
  gap: 14px;
}
@media (max-width: 650px) {
  .cookie-consent-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.97rem;
  }
  .cookie-consent-banner .cookie-btns {
    gap: 8px;
  }
}
.cookie-btn {
  padding: 8px 22px;
  border-radius: 22px;
  border: none;
  background: #fff;
  color: #222;
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  font-weight: 700;
  margin-left: 0;
  margin-right: 0;
  margin-bottom: 0;
  transition: background 0.17s, color 0.15s, transform 0.12s;
  box-shadow: 0 1px 5px rgba(32,64,98,0.06);
  cursor: pointer;
}
.cookie-btn:hover, .cookie-btn:focus {
  background: var(--brand-primary);
  color: #fff;
  transform: scale(0.98);
}
.cookie-btn.reject {
  background: #ececec;
  color: #222;
}
.cookie-btn.reject:hover {
  background: #23252d;
  color: #fff;
}
.cookie-btn.settings {
  background: #fff;
  color: #204062;
  border: 1.2px solid var(--brand-primary);
}
.cookie-btn.settings:hover {
  background: #204062;
  color: #fff;
}

/* COOKIE MODAL DIALOG */
.cookie-modal {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  top: 0;
  background: rgba(17,19,25, 0.75);
  z-index: 3001;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeinModal 0.25s cubic-bezier(.72,.2,.24,1);
}
@keyframes fadeinModal { from { opacity: 0; } to {opacity:1;} }
.cookie-modal-inner {
  background: #fff;
  color: #16181b;
  border-radius: 18px;
  max-width: 410px;
  width: 92vw;
  padding: 34px 24px 30px 24px;
  box-shadow: 0 8px 38px rgba(32,64,98,0.13);
  font-size: 1rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 22px;
  position: relative;
  animation: fadeinModalContent 0.28s cubic-bezier(.82,.08,.15,1) both;
}
@keyframes fadeinModalContent { 0%{ transform: translateY(24px) scale(0.95); opacity:0;} 100%{ transform:none; opacity:1;} }
.cookie-modal h3 {
  font-family: 'Merriweather', serif;
  font-size: 1.2rem;
  color: #204062;
  margin-bottom: 8px;
}
.cookie-modal .category {
  margin-bottom: 14px; display: flex; align-items: center; gap: 10px; font-size: 0.99rem;
}
.cookie-modal .toggle {
  margin-top: 0; margin-right: 10px;
}
.cookie-modal .cookie-modal-btns {
  display: flex;
  flex-direction: row;
  gap: 14px;
  margin-top: 12px;
}
.cookie-modal-close {
  position: absolute;
  top: 14px;
  right: 20px;
  background: none;
  border: none;
  color: #204062;
  font-size: 2.1rem;
  cursor: pointer;
  transition: color .17s;
  z-index: 2;
}
.cookie-modal-close:hover { color: #000; }

/* TOGGLES IN COOKIES MODAL */
.cookie-toggle {
  height: 0;
  width: 0;
  visibility: hidden;
}
.cookie-toggle + label {
  display: inline-block;
  width: 38px; height: 20px;
  background: #efefef;
  border-radius: 12px;
  position: relative;
  cursor: pointer;
  transition: background 0.19s;
}
.cookie-toggle + label:after {
  content: '';
  width: 18px;
  height: 18px;
  background: #bbb;
  border-radius: 50%;
  position: absolute;
  top: 1px;
  left: 1px;
  transition: 0.20s;
}
.cookie-toggle:checked + label {
  background: #204062;
}
.cookie-toggle:checked + label:after {
  background: #fff;
  left: 19px;
}
.cookie-modal .category.essential label {
  background: #204062;
  pointer-events: none;
}
.cookie-modal .category.essential label:after {
  background: #fff;
  left: 19px;
}

/* ACCESSIBILITY / PRINT */
@media print {
  header, nav, .mobile-menu-toggle, .mobile-menu, footer, .cookie-consent-banner, .cookie-modal {
    display: none !important;
  }
  main, .section, section {
    background: #fff !important;
    color: #141414 !important;
  }
}