/* ------------------- CSS RESET & NORMALIZATION ------------------- */
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;
  height: 100%;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  min-height: 100%;
  background: #F5F7FA;
  color: #22262A;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img {
  max-width: 100%;
  display: block;
}
a {
  color: #3190D6;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #22262A;
}
ul, ol {
  list-style: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  border: none;
  outline: none;
  background: none;
}

/* ------------------- BRAND FONTS ------------------- */
@import url('https://fonts.googleapis.com/css?family=Montserrat:700&display=swap');
@import url('https://fonts.googleapis.com/css?family=Roboto:400,500&display=swap');

h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #22262A;
  font-weight: 700;
  line-height: 1.15;
}
h1 {
  font-size: 2.25rem; /* 36px */
  margin-bottom: 16px;
}
h2 {
  font-size: 1.5rem; /* 24px */
  margin-bottom: 14px;
}
h3 {
  font-size: 1.25rem; /* 20px */
  margin-bottom: 10px;
}

p, li, ul {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
}
strong {
  font-weight: 700;
}

/* ------------------- CONTAINERS & LAYOUT ------------------- */
.container {
  width: 100%;
  max-width: 1120px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* Flex utilities for FAQ, cards, testimonials, etc. */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 3px 12px 0 rgba(34,38,42,0.07);
  margin-bottom: 20px;
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 260px;
  padding: 28px 24px;
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
  align-items: flex-start;
}
.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: flex-start;
  gap: 20px;
  padding: 20px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 1.5px 10px 0 rgba(34,38,42,0.03);
  margin-bottom: 24px;
  min-width: 236px;
  max-width: 450px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/* ---- Responsive Flex Direction Swaps ---- */
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 22px;
  }
  .content-grid, .card-container {
    flex-direction: column;
    gap: 20px;
  }
  .section {
    padding-left: 10px;
    padding-right: 10px;
  }
}

/* ------------------- HEADER & NAVIGATION ------------------- */
header {
  background: #fff;
  border-bottom: 1px solid #e6e6ec;
  position: sticky;
  top: 0;
  z-index: 20;
  box-shadow: 0 2px 8px 0 rgba(34,38,42,0.04);
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 68px;
  gap: 20px;
}
header nav {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
header nav a {
  color: #22262A;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  font-weight: 500;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-bottom 0.2s;
}
header nav a:hover, header nav a:focus {
  color: #3190D6;
  border-bottom: 2px solid #3190D6;
}
header img {
  height: 40px;
  width: auto;
}

.cta-btn {
  background: #3190D6;
  color: #fff;
  border-radius: 8px;
  padding: 12px 32px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  outline: none;
  border: none;
  cursor: pointer;
  box-shadow: 0 1.5px 6px rgba(34,38,42,0.05);
  letter-spacing: 0.02em;
  display: inline-block;
  transition: background 0.2s, transform 0.13s, box-shadow 0.2s;
}
.cta-btn:hover, .cta-btn:focus {
  background: #22262A;
  color: #fff;
  transform: translateY(-2px) scale(1.025);
  box-shadow: 0 8px 28px 0 rgba(34,38,42,0.08);
}

/* ------------------- MOBILE BURGER MENU ------------------- */
.mobile-menu-toggle {
  display: none;
  font-size: 2.25rem;
  background: #F5F7FA;
  color: #22262A;
  border-radius: 7px;
  padding: 6px 14px 6px 10px;
  transition: background 0.18s, color 0.18s;
  box-shadow: 0 2px 8px rgba(34,38,42,0.05);
  border: none;
  z-index: 60;
}
.mobile-menu-toggle:focus, .mobile-menu-toggle:hover {
  background: #3190D6;
  color: #fff;
}

.mobile-menu {
  position: fixed;
  left: 0;
  top: 0;
  right: 0;
  bottom: 0;
  background: #fff;
  box-shadow: 0 0 32px rgba(34,38,42,0.20);
  transform: translateX(-110%);
  transition: transform 0.4s cubic-bezier(.6,.2,.3,1);
  z-index: 120;
  display: flex;
  flex-direction: column;
  padding-top: 22px;
  padding-right: 10px;
  padding-left: 30px;
  min-height: 100vh;
  width: 100vw;
}
.mobile-menu.active {
  transform: translateX(0);
}
.mobile-menu-close {
  font-size: 2rem;
  color: #22262A;
  background: #F5F7FA;
  border-radius: 7px;
  align-self: flex-end;
  padding: 7px 16px;
  border: none;
  cursor: pointer;
  margin-bottom: 20px;
  transition: background 0.18s;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  background: #3190D6;
  color: #fff;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 20px;
}
.mobile-nav a {
  color: #22262A;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.28rem;
  font-weight: 700;
  border-bottom: 2.5px solid transparent;
  padding-bottom: 9px;
  width: 100%;
  transition: color 0.16s, border-bottom 0.18s;
  border-radius: 3px;
  background: transparent;
  outline-offset: 2px;
}
.mobile-nav a:focus, .mobile-nav a:hover {
  color: #3190D6;
  border-bottom: 2.5px solid #3190D6;
}

@media (max-width: 1000px) {
  header nav, .cta-btn {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 1001px) {
  .mobile-menu {
    display: none !important;
  }
}

/*------------------- SECTIONS AND TYPOGRAPHY -------------------*/
main {
  margin-top: 38px;
}
.section {
  background: #F5F7FA;
  border-radius: 20px;
  margin-bottom: 60px;
  padding: 40px 20px;
}

/* Home/landing visual tweak */
.index main section:first-child .content-wrapper {
  align-items: flex-start;
  max-width: 670px;
}

ul {
  list-style: disc inside;
  margin-top: 5px;
  margin-bottom: 5px;
  padding-left: 18px;
}
ul li {
  margin-bottom: 10px;
  line-height: 1.65;
}

.feature-item strong {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
}

@media (max-width: 480px) {
  h1 {
    font-size: 1.6rem;
  }
  h2 {
    font-size: 1.1rem;
  }
}

/* ------------------- CARDS, TESTIMONIALS, & SPECIAL BLOCKS ------------------- */
.card {
  border: 1.5px solid #e6e9ef;
  transition: box-shadow 0.19s, border-color 0.19s, transform 0.13s;
}
.card:hover, .card:focus-within {
  box-shadow: 0 8px 28px rgba(34,38,42,0.11);
  border-color: #b8bfc7;
  transform: translateY(-2px) scale(1.024);
}

.testimonial-card {
  border: 1.5px solid #e6e9ef;
  font-size: 1rem;
  color: #22262A;
  background: #fff;
  max-width: 420px;
  line-height: 1.65;
  margin-right: 20px;
}
.testimonial-card p {
  font-style: italic;
  font-weight: 400;
  color: #22262A;
}
.testimonial-card span {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  color: #3190D6;
  margin-top: 4px;
  letter-spacing: 0.01em;
}

.newsletter-signup {
  background: #fff;
  border-radius: 12px;
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  align-items: flex-start;
  box-shadow: 0 2px 10px rgba(34,38,42,0.06);
  margin: 30px 0 5px 0;
}

/*------------------- FOOTER -------------------*/
footer {
  background: #fff;
  border-top: 1px solid #e6e6ec;
  padding: 38px 0 14px 0;
  box-shadow: 0 -1.5px 8px rgba(34,38,42,0.03);
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  justify-content: space-between;
  align-items: flex-start;
}
footer nav {
  display: flex;
  gap: 25px;
  flex-wrap: wrap;
  align-items: flex-start;
}
footer nav a {
  color: #22262A;
  font-size: 15px;
  font-family: 'Roboto', Arial, sans-serif;
  padding-bottom: 2px;
  border-bottom: 1.5px solid transparent;
  transition: border-bottom .16s, color .16s;
}
footer nav a:hover, footer nav a:focus {
  color: #3190D6;
  border-bottom: 1.5px solid #3190D6;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.footer-contact span {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 15px;
  color: #22262A;
}
footer img {
  height: 34px;
  width: auto;
}

@media (max-width: 900px) {
  footer .container {
    flex-direction: column;
    gap: 24px;
    align-items: flex-start;
  }
}

/*------------------- BUTTONS, INTERACTIVES -------------------*/
button, .cta-btn {
  cursor: pointer;
  transition: background 0.2s, color 0.2s, box-shadow 0.16s, transform 0.13s;
}
button:focus, .cta-btn:focus {
  outline: 2px solid #3190D6;
  outline-offset: 2px;
}

/*------------------- FORMS (FOR FUTURE USAGE) -------------------*/
input, textarea, select {
  border: 1.5px solid #e0e3ea;
  border-radius: 7px;
  padding: 10.5px 13px;
  background: #fff;
  font-size: 1rem;
  width: 100%;
  margin-bottom: 17px;
  transition: border-color 0.18s;
}
input:focus, textarea:focus, select:focus {
  border-color: #3190D6;
}

label {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 5px;
  display: block;
}

/*------------------- COOKIES CONSENT BANNER -------------------*/
.cookie-consent-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: #fff;
  border-top: 2.5px solid #3190D6;
  box-shadow: 0 -4px 28px rgba(34,38,42,0.13);
  padding: 24px 20px 22px 20px;
  z-index: 2000;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  animation: fadeInBanner 0.44s;
}
@keyframes fadeInBanner {
  from { opacity: 0; transform: translateY(64px); }
  to { opacity: 1; transform: translateY(0); }
}
.cookie-consent-banner .cookie-text {
  font-size: 1rem;
  color: #22262A;
  text-align: center;
  max-width: 460px;
  margin-bottom: 6px;
}
.cookie-btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 4px;
}
.cookie-btn {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1rem;
  border-radius: 7px;
  padding: 11px 25px;
  border: none;
  box-shadow: 0 1.5px 6px rgba(34,38,42,0.04);
  margin: 0 1px;
  transition: background 0.15s, color 0.15s;
}
.cookie-btn.accept {
  background: #3190D6;
  color: #fff;
}
.cookie-btn.accept:hover, .cookie-btn.accept:focus {
  background: #22262A;
}
.cookie-btn.reject {
  background: #F5F7FA;
  color: #22262A;
  border: 1.5px solid #b8bfc7;
}
.cookie-btn.reject:hover, .cookie-btn.reject:focus {
  background: #fff3ee;
  color: #3190D6;
  border-color: #3190D6;
}
.cookie-btn.settings {
  background: #fff;
  color: #3190D6;
  border: 1.5px solid #3190D6;
}
.cookie-btn.settings:hover, .cookie-btn.settings:focus {
  background: #3190D6;
  color: #fff;
}

/* --- Cookies Preferences Modal --- */
.cookie-modal-overlay {
  position: fixed;
  z-index: 2100;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(34,38,42,0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeInModal .35s;
}
@keyframes fadeInModal {
  from { opacity: 0; }
  to { opacity: 1; }
}
.cookie-modal {
  background: #fff;
  border-radius: 14px;
  padding: 38px 28px 28px 28px;
  min-width: 290px;
  max-width: 95vw;
  box-shadow: 0 8px 48px rgba(34,38,42,0.14);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  position: relative;
  gap: 22px;
}
.cookie-modal h3 {
  font-size: 1.28rem;
  color: #22262A;
  margin-bottom: 9px;
}
.cookie-modal-close {
  position: absolute;
  top: 17px;
  right: 19px;
  border: none;
  background: #F5F7FA;
  border-radius: 6px;
  font-size: 1.4rem;
  color: #22262A;
  width: 32px;
  height: 32px;
  cursor: pointer;
  z-index: 2;
  transition: background 0.18s, color 0.15s;
}
.cookie-modal-close:hover, .cookie-modal-close:focus {
  background: #3190D6;
  color: #fff;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 1rem;
  margin-bottom: 8px;
}
.cookie-category label {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  margin-bottom: 0;
  display: inline;
  color: #22262A;
}
.cookie-toggle {
  width: 44px;
  height: 26px;
  background: #F5F7FA;
  border-radius: 20px;
  border: 1.5px solid #b8bfc7;
  position: relative;
  margin-left: 11px;
  margin-right: 8px;
  transition: border 0.2s;
}
.cookie-toggle input[type="checkbox"] {
  opacity: 0;
  width: 44px;
  height: 26px;
  position: absolute;
  left: 0;
  top: 0;
  margin: 0;
  z-index: 2;
  cursor: pointer;
}
.cookie-toggle .toggle-slider {
  display: block;
  position: absolute;
  left: 2.5px;
  top: 3px;
  width: 20px;
  height: 18px;
  border-radius: 9px;
  background: #b8bfc7;
  transition: background 0.19s, left 0.19s;
}
.cookie-toggle input:checked + .toggle-slider {
  left: 21px;
  background: #3190D6;
}
.cookie-modal .cookie-btn-row {
  margin-top: 14px;
}
.cookie-modal .cookie-btn {
  margin-top: 0;
}

/* cookie essential always ON style */
.cookie-category.essential label {
  color: #b8bfc7;
  cursor: not-allowed;
}
.cookie-category.essential .cookie-toggle {
  opacity: 0.50;
}
.cookie-category.essential input[type="checkbox"] {
  pointer-events: none;
}

@media (max-width: 600px) {
  .cookie-consent-banner, .cookie-modal {
    padding: 16px 8px 14px 8px;
    max-width: 100vw;
  }
}

/* ------------------- GENERAL UTILITIES & MICRO-INTERACTIONS ------------------- */
.shadow {
  box-shadow: 0 1.5px 10px 0 rgba(34,38,42,0.06);
}
.rounded {
  border-radius: 12px;
}
.gap-8  { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-20 { gap: 20px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }

/* Spacing helpers for cards & sections */
.mb-20 { margin-bottom: 20px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-40 { margin-bottom: 40px; }

.mt-20 { margin-top: 20px; }
.mt-32 { margin-top: 32px; }

.text-center { text-align: center; }

/* Hide visually (for accessibility) */
.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}

/* ------------------- MEDIA QUERIES FOR MOBILE-FIRST ------------------- */
@media (max-width: 500px) {
  .container {
    padding-left: 8px;
    padding-right: 8px;
  }
  .section {
    padding-left: 6px;
    padding-right: 6px;
    padding-top: 22px;
    padding-bottom: 22px;
    border-radius: 9px;
  }
  .card, .testimonial-card, .newsletter-signup {
    padding: 17px 8px;
  }
}

/* ----- Prevent overlapping via increased space on small screens ----- */
@media (max-width: 480px) {
  .testimonial-card {
    min-width: 0;
    max-width: 100%;
  }
  .card {
    min-width: 0;
    max-width: 100%;
  }
}

/*------------------- Additional Phantoms Funds Branding Touches --------------------*/
/* Subtle accent underline for h2/h3 */
h2::after, h3::after {
  display: block;
  content: "";
  margin-top: 5px;
  height: 3px;
  width: 46px;
  border-radius: 2px;
  background: #3190D6;
}

/* Remove if not preferred on small screens */
@media (max-width: 600px){ h2::after, h3::after { width: 30px; } }

/*------------------- End of CSS -------------------*/