/* ========================== */
/* 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,
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 {
  background: #F7F7FA;
  color: #16181B;
  font-family: 'Open Sans', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}
ul, ol {
  padding-left: 1.4em;
}
a {
  color: #17488C;
  text-decoration: none;
  transition: color 0.2s;
  font-weight: 600;
}
a:hover, a:focus {
  color: #12A388;
}
img {
  max-width: 100%;
  display: block;
}
strong { font-weight: 700; }

/* =========================== */
/* FONTS                      */
/* =========================== */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700&family=Open+Sans:wght@400;600;700&display=swap');

h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: #16181B;
  line-height: 1.2;
}
h1 {
  font-size: 2.25rem;
  margin-bottom: 18px;
}
h2 {
  font-size: 1.75rem;
  margin-bottom: 16px;
}
h3 {
  font-size: 1.25rem;
  margin-bottom: 10px;
}
p,li {
  font-size: 1rem;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 4px 16px rgba(23,72,140,0.05),0 1px 4px rgba(184,152,65,0.09);
}

.container {
  max-width: 1100px;
  width: 100%;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
  padding: 0 15px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

/* =========================== */
/* LUXURY PREMIUM COLORS       */
/* =========================== */
:root {
  --primary: #17488C;
  --secondary: #12A388;
  --accent: #E7ECEF;
  --lux-gold: #B89841;
  --lux-gold-light: #dbca84;
  --lux-black: #16181B;
  --lux-silver: #F7F7FA;
}

/* =========================== */
/* NAVIGATION MENU             */
/* =========================== */
header {
  background: #fff;
  border-bottom: 1.5px solid var(--accent);
  box-shadow: 0 3px 12px 0 rgba(23,72,140,0.03);
  padding: 0;
  position: sticky;
  top: 0; z-index: 990;
}
.main-nav {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 18px;
  min-height: 68px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 8px;
  color: var(--primary);
  transition: background 0.21s, color 0.21s;
}
.main-nav a.logo {
  margin-right: 14px;
  padding: 0;
  background: none;
  transition: none;
}
.main-nav a.cta.primary {
  background: linear-gradient(90deg, var(--lux-gold-light) 0%, var(--lux-gold) 100%);
  color: var(--lux-black);
  border: 0;
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: 0 2px 8px rgba(184,152,65,0.08);
  border-radius: 9px;
  margin-left: auto;
  letter-spacing: 0.02em;
}
.main-nav a.cta.primary:hover, .main-nav a.cta.primary:focus {
  background: linear-gradient(90deg, var(--lux-gold) 0%, var(--lux-gold-light) 100%);
  color: #fff;
}
.main-nav a.cta.secondary {
  background: #fff;
  color: var(--lux-gold);
  border: 2.2px solid var(--lux-gold);
  font-weight: 700;
  font-size: 1.05rem;
  border-radius: 9px;
  box-shadow: none;
  margin-left: 0;
  letter-spacing: 0.02em;
}
.main-nav a.cta.secondary:hover, .main-nav a.cta.secondary:focus {
  background: var(--lux-gold);
  color: #fff;
}
.main-nav a:hover:not(.cta),
.main-nav a:focus:not(.cta) {
  background: var(--accent);
  color: var(--primary);
}
.main-nav a.active {
  color: var(--lux-gold);
}

/* MOBILE MENU BUTTON */
.mobile-menu-toggle {
  display: none;
  position: absolute;
  top: 14px;
  right: 20px;
  font-size: 2.15rem;
  background: none;
  border: none;
  color: var(--lux-gold);
  cursor: pointer;
  z-index: 1150;
  transition: color 0.2s;
}
.mobile-menu-toggle:hover, .mobile-menu-toggle:focus {
  color: var(--primary);
}

.mobile-menu {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(22,24,27,0.98);
  z-index: 1200;
  transform: translateX(-110%);
  transition: transform 0.38s cubic-bezier(0.54,0.14,0.33,1.02);
  padding: 24px 24px 40px 32px;
  min-width: 220px;
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  margin-bottom: 32px;
  font-size: 2.1rem;
  background: none;
  border: none;
  color: var(--lux-gold);
  cursor: pointer;
  transition: color 0.16s;
  z-index: 1300;
}
.mobile-menu-close:hover, .mobile-menu-close:focus {
  color: #fff;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
}
.mobile-nav a {
  color: var(--lux-gold); /* luxury, gold highlights */
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.25rem;
  font-weight: 600;
  padding: 10px 0;
  text-decoration: none;
  border-bottom: 1px solid rgba(215,200,120,0.08);
  transition: color 0.18s, background 0.16s;
  border-radius: 5px;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #fff;
  background: rgba(184,152,65,0.13);
}

/* Hide desktop nav on mobile, show burger */
@media (max-width: 1020px) {
  .main-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
}
@media (min-width: 1021px) {
  .mobile-menu, .mobile-menu-toggle {
    display: none !important;
  }
}

/* =========================== */
/* HERO SECTIONS               */
/* =========================== */
section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
section .container {
  background: none;
  padding: 0;
}
section .content-wrapper {
  align-items: flex-start;
}
section h1, section h2 {
  color: var(--lux-black);
}
section h1 {
  font-size: 2.3rem;
}
section h2 {
  font-size: 1.7rem;
}
section p {
  color: #333845;
  font-size: 1.08rem;
}

/* =========================== */
/* FLEX LAYOUTS                */
/* =========================== */
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: flex-start;
}
.feature-item {
  background: #F9FAFB;
  border: 1.3px solid var(--accent);
  border-radius: 13px;
  box-shadow: 0 2px 9px 0 rgba(23,72,140,0.11), 0 1px 7px rgba(184,152,65,0.05);
  padding: 28px 22px 20px 22px;
  min-width: 220px;
  max-width: 325px;
  flex: 1 1 240px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  position: relative;
  margin-bottom: 20px;
  transition: box-shadow 0.24s, border 0.16s;
}
.feature-item img {
  width: 44px; height: 44px;
  margin-bottom: 8px;
  filter: drop-shadow(0 1px 0 var(--lux-gold-light));
}
.feature-item h3 {
  margin-bottom: 6px;
  font-size: 1.15rem;
  color: var(--primary);
}
.feature-item p {
  color: #444851;
  font-size: 1rem;
}
.feature-item::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 5px;
  background: linear-gradient(90deg,var(--lux-gold),var(--lux-gold-light));
  border-radius: 13px 13px 0 0;
}
.feature-item:hover, .feature-item:focus-within {
  box-shadow:0 8px 22px 0 rgba(184,152,65,0.19);
  border: 1.5px solid var(--lux-gold);
}

.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: 24px;
  }
}

.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 10px rgba(23,72,140,0.09);
  padding: 26px 22px 18px 22px;
  flex: 1 1 300px;
  position: relative;
  margin-bottom: 20px;
  transition: box-shadow 0.20s, border 0.15s;
  border: 1px solid var(--accent);
}
.card:hover, .card:focus-within {
  box-shadow: 0 8px 24px rgba(184,152,65,0.12);
  border-color: var(--lux-gold);
}

.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 14px;
}

.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}

.text-section {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 16px;
}

.guide-list, .review-grid, .broker-summaries, .features-overview {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.category-tag {
  display: inline-block;
  background: #fff5da;
  color: var(--lux-gold);
  font-size: 0.93em;
  font-family: 'Montserrat', Arial, sans-serif;
  padding: 3.5px 14px;
  border-radius: 14px;
  border: 1px solid var(--lux-gold-light);
  font-weight: 600;
  letter-spacing: 0.04em;
}

.rating-summary {
  font-family: 'Montserrat', Arial, sans-serif;
  color: var(--lux-gold);
  font-weight: 700;
  margin: 3px 0 9px;
  font-size: 1.08em;
}

/* ============================= */
/* TESTIMONIALS, REVIEWS, FAQ    */
/* ============================= */
.testimonial-card {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 20px;
  background: #fff;
  border-radius: 13px;
  box-shadow: 0 3px 13px rgba(184,152,65,0.09), 0 1px 4px rgba(23,72,140,0.05);
  border: 1.3px solid var(--lux-gold);
  padding: 20px 28px 20px 28px;
  margin-bottom: 20px;
  position: relative;
}
.testimonial-card p {
  color: #181E29;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.07rem;
  line-height: 1.5;
  flex: 1;
}
.testimonial-meta span {
  font-family: 'Open Sans', Arial, sans-serif;
  color: var(--lux-gold);
  font-weight: 600;
  font-size: 0.93em;
  margin-left: 8px;
}

.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.faq-item {
  background: #fff;
  border-radius: 11px;
  box-shadow: 0 2px 10px rgba(23,72,140,0.06);
  border: 1.2px solid var(--accent);
  padding: 18px 22px;
  transition: box-shadow 0.18s, border 0.18s;
}
.faq-item h3 {
  color: var(--lux-gold);
  margin-bottom: 9px;
}
.faq-item p {
  margin-bottom: 0;
}
.faq-item:hover, .faq-item:focus-within {
  border: 1.5px solid var(--lux-gold);
  box-shadow: 0 6px 20px rgba(184,152,65,0.06);
}

/* =========================== */
/* BUTTONS / CTAS              */
/* =========================== */
.cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  padding: 12px 36px;
  text-align: center;
  letter-spacing: 0.015em;
  cursor: pointer;
  transition: background 0.24s, color 0.18s, box-shadow 0.21s, border 0.16s;
  border: 0;
  outline: none;
  min-width: 135px;
  margin-top: 7px;
  margin-bottom: 7px;
}
.cta.primary {
  background: linear-gradient(90deg, var(--lux-gold-light) 0%, var(--lux-gold) 100%);
  color: var(--lux-black);
  box-shadow: 0 2px 14px rgba(184,152,65,0.11);
  border: none;
  border-radius: 10px;
}
.cta.primary:hover,
.cta.primary:focus {
  background: linear-gradient(90deg, var(--lux-gold) 0%, var(--lux-gold-light) 100%);
  color: #fff;
  box-shadow: 0 4px 20px rgba(184,152,65,0.23);
}
.cta.secondary {
  background: #fff;
  color: var(--lux-gold);
  border: 2px solid var(--lux-gold);
}
.cta.secondary:hover,
.cta.secondary:focus {
  background: var(--lux-gold);
  color: #fff;
  border-color: var(--lux-gold-light);
}

.button {
  background: var(--lux-gold);
  color: var(--lux-black);
  border: none;
}
.button:hover,
.button:focus {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 2px 12px rgba(23,72,140,0.14);
}

/* =========================== */
/* FOOTER                      */
/* =========================== */
footer {
  background: var(--lux-black);
  color: #F7F7FA;
  padding: 0;
  margin-top: 48px;
  border-radius: 34px 34px 0 0;
  box-shadow: 0 -3px 28px 0 rgba(23,72,140,0.09);
}
footer .container {
  padding: 0 16px 0 16px;
}
footer .content-wrapper {
  display: flex;
  flex-wrap: wrap;
  flex-direction: row;
  gap: 38px;
  align-items: flex-start;
  justify-content: space-between;
  padding: 40px 0 12px 0;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  margin-bottom: 20px;
}
.footer-links a {
  color: var(--lux-gold);
  font-weight: 600;
  font-size: 1em;
  transition: color 0.17s, text-decoration 0.20s;
  text-decoration: none;
  border-radius: 6px;
  padding: 2px 7px;
}
.footer-links a:hover, .footer-links a:focus {
  color: #fff;
  background: rgba(184,152,65,0.14);
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 1em;
  font-family: 'Open Sans', Arial, sans-serif;
  color: #fff;
  min-width: 260px;
}
.footer-contact img {
  width: 46px;
  margin-bottom: 10px;
  border-radius: 7px;
}
.footer-contact div {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.97em;
}
.footer-social {
  display: flex;
  gap: 15px;
  align-items: center;
  margin-top: 18px;
}
.footer-social a img {
  width: 26px;
  height: 26px;
  border-radius: 7px;
  background: #fff;
  padding: 3px;
  transition: background 0.17s;
}
.footer-social a:hover img {
  background: var(--lux-gold);
}
.footer-copyright {
  font-size: 0.98em;
  color: #E7ECEF;
  margin-top: 12px;
  flex-basis: 100%;
  text-align: center;
  font-family: 'Montserrat', Arial, sans-serif;
}

@media (max-width: 950px) {
  footer .content-wrapper {
    flex-direction: column;
    gap: 22px;
    align-items: flex-start;
  }
  .footer-links, .footer-contact, .footer-social {
    align-items: flex-start;
    margin-top: 0;
  }
  .footer-copyright {
    margin-top: 22px;
    text-align: left;
  }
}

/* =========================== */
/* RESPONSIVE                  */
/* =========================== */
@media (max-width: 900px) {
  .feature-grid, .card-container, .content-grid, .review-grid, .guide-list, .broker-summaries, .features-overview {
    gap: 16px;
  }
  .feature-item, .card {
    min-width: 160px;
    max-width: 100%;
    padding: 20px 12px 14px 12px;
  }
}
@media (max-width: 768px) {
  .container {
    padding: 0 8px;
    max-width: 98vw;
  }
  h1 { font-size: 1.49rem; }
  h2 { font-size: 1.25rem; }
  section {
    padding: 24px 5px;
    margin-bottom: 42px;
    border-radius: 18px;
  }
  .feature-grid, .card-container, .content-grid, .review-grid, .guide-list, .broker-summaries, .features-overview {
    flex-direction: column;
    gap: 12px;
  }
  .testimonial-card {
    flex-direction: column;
    gap: 14px;
    padding: 16px 10px;
  }
  .footer-contact {
    min-width: unset;
  }
}
@media (max-width: 540px) {
  h1 { font-size: 1.09rem; }
  h2 { font-size: 1.025rem; }
  .card, .feature-item, .faq-item {
    padding: 10px 6px 8px 6px;
  }
}

/* =========================== */
/* MISC                        */
/* =========================== */
.trust-icons {
  display: flex;
  gap: 15px;
  align-items: center;
  margin: 10px 0 0 0;
}
.trust-icons img {
  width: 44px; height: 44px;
  filter: grayscale(0.3);
  transition: filter 0.17s;
}
.trust-icons img:hover { filter: grayscale(0); }

.contact-details ul {
  list-style: none;
  padding: 0;
  margin-top: 0;
  margin-bottom: 12px;
}
.contact-details ul li {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 6px;
  color: var(--lux-black);
  font-size: 1rem;
}
.contact-details ul img {
  width: 24px; height: 24px;
  opacity: 0.93;
}

/* =========================== */
/* COOKIE CONSENT BANNER       */
/* =========================== */
.cookie-banner {
  position: fixed;
  left: 8px;
  right: 8px;
  bottom: 12px;
  z-index: 2500;
  background: #fffaf6;
  border: 1.8px solid var(--lux-gold);
  border-radius: 20px;
  box-shadow: 0 6px 26px rgba(184,152,65,0.10),0 1px 5px rgba(23,72,140,0.09);
  padding: 22px 30px 14px 30px;
  display: flex;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 22px;
  max-width: 480px;
  margin: 0 auto;
  opacity: 1;
  transition: opacity 0.36s, transform 0.36s;
  transform: translateY(0);
}
.cookie-banner.hide {
  opacity: 0;
  pointer-events: none;
  transform: translateY(24px);
}
.cookie-banner p {
  color: #181E29;
  flex: 1 1 220px;
  font-size: 1rem;
  margin-bottom: 8px;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 10px;
  align-items: center;
  justify-content: flex-end;
  flex-wrap: wrap;
  margin-top: 7px;
}
.cookie-banner button {
  border: none;
  border-radius: 8px;
  padding: 8px 22px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  cursor: pointer;
  transition: background 0.21s, color 0.16s, box-shadow 0.24s;
  font-weight: 700;
  margin-left: 0;
}
.cookie-banner .accept-all {
  background: linear-gradient(90deg,var(--lux-gold) 0%,var(--lux-gold-light) 100%);
  color: var(--lux-black);
  box-shadow: 0 2px 8px rgba(184,152,65,0.13);
}
.cookie-banner .accept-all:hover,
.cookie-banner .accept-all:focus {
  background: linear-gradient(90deg,var(--lux-gold-light) 0%,var(--lux-gold) 100%);
  color: #fff;
}
.cookie-banner .reject-all {
  background: #fff;
  border: 2px solid var(--lux-gold);
  color: var(--lux-gold);
}
.cookie-banner .reject-all:hover,
.cookie-banner .reject-all:focus {
  background: var(--lux-gold);
  color: #fff;
}
.cookie-banner .cookie-settings {
  background: #eee9d8;
  color: var(--lux-gold);
  border: 1px solid var(--lux-gold-light);
}
.cookie-banner .cookie-settings:hover,
.cookie-banner .cookie-settings:focus {
  background: var(--lux-gold-light);
  color: var(--lux-black);
}

@media (max-width: 540px) {
  .cookie-banner {
    flex-direction: column;
    gap: 12px;
    padding: 14px 8px 12px 12px;
    max-width: 99vw;
    border-radius: 11px;
  }
  .cookie-banner p {
    min-width: unset;
    font-size: 0.98rem;
  }
}

/* COOKIE MODAL */
.cookie-modal-backdrop {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(22,24,27,0.56);
  z-index: 2600;
  opacity: 1;
  transition: opacity 0.33s;
}
.cookie-modal-backdrop.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  position: fixed;
  top: 54%; left: 50%;
  transform: translate(-50%, -55%) scale(1);
  z-index: 2700;
  background: #fffaf6;
  border: 2.2px solid var(--lux-gold);
  border-radius: 18px;
  min-width: 330px;
  max-width: 94vw;
  box-shadow: 0 6px 34px rgba(184,152,65,0.14),0 1px 12px rgba(23,72,140,0.08);
  padding: 36px 30px 20px 30px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0.36s, transform 0.41s;
}
.cookie-modal.hide {
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%,-46%) scale(0.98);
}
.cookie-modal h2 {
  font-size: 1.22rem;
  color: var(--lux-gold);
  margin-bottom: 7px;
}
.cookie-category {
  display: flex;
  align-items: center;
  gap: 13px;
  background: #fff;
  border-radius: 8px;
  padding: 10px 15px;
  border: 1.4px solid var(--lux-gold-light);
  margin-bottom: 9px;
  font-size: 1em;
  font-family: 'Montserrat', Arial, sans-serif;
}
.cookie-category .category-name {
  font-weight: 700;
  letter-spacing: 0.03em;
  color: var(--lux-gold);
  flex: 1;
}
.cookie-category .toggle-switch {
  width: 39px;
  height: 21px;
  border-radius: 18px;
  background: #ddd7bc;
  position: relative;
  transition: background 0.16s;
  display: inline-block;
  vertical-align: middle;
}
.cookie-category .toggle-switch[data-on="true"] {
  background: var(--lux-gold);
}
.cookie-category .toggle-knob {
  position: absolute;
  top: 2px;
  left: 2px;
  width: 17px; height: 17px;
  border-radius: 50%;
  background: #fff;
  transition: left 0.19s;
  box-shadow: 0 1px 6px rgba(23,72,140,0.07);
}
.cookie-category .toggle-switch[data-on="true"] .toggle-knob {
  left: 20px;
}
.cookie-category.essential .toggle-switch {
  background: var(--lux-gold);
  opacity: .48;
  pointer-events: none;
}
.cookie-modal-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 15px;
  margin-top: 16px;
  align-items: center;
  justify-content: flex-end;
}
.cookie-modal button {
  padding: 8px 18px;
  border-radius: 8px;
  font-size: 1em;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  border: none;
  background: linear-gradient(90deg,var(--lux-gold) 0%,var(--lux-gold-light) 100%);
  color: var(--lux-black);
  box-shadow: 0 2px 8px rgba(184,152,65,0.13);
  cursor: pointer;
  transition: background 0.18s, color 0.16s;
}
.cookie-modal button:hover, .cookie-modal button:focus {
  background: linear-gradient(90deg,var(--lux-gold-light) 0%,var(--lux-gold) 100%);
  color: #fff;
}
@media (max-width: 480px) {
  .cookie-modal {
    min-width: unset;
    padding: 18px 5vw 12px 5vw;
  }
}

/* =========================== */
/* MICRO-INTERACTIONS/EFFECTS  */
/* =========================== */
.cta, .button, .feature-item, .card, .testimonial-card, .faq-item {
  transition: box-shadow 0.21s, border 0.13s, background 0.18s, color 0.14s;
}
@media (hover: hover) {
  .card:hover, .feature-item:hover, .testimonial-card:hover, .faq-item:hover {
    box-shadow: 0 6px 24px rgba(184,152,65,0.13),0 2px 9px rgba(23,72,140,0.08);
    border-color: var(--lux-gold);
  }
}

/* =========================== */
/* SCROLLBAR FOR LUXURY DESIGN */
/* =========================== */
body::-webkit-scrollbar {
  width: 8px;
  background: #fffaf6;
}
body::-webkit-scrollbar-thumb {
  background: var(--lux-gold);
  border-radius: 9px;
}

/* =========================== */
/* FOCUS RINGS                 */
/* =========================== */
:focus-visible {
  outline: 2px solid var(--lux-gold);
  outline-offset: 2px;
}

/* =========================== */
/* UTILITY CLASSES             */
/* =========================== */
.mb-0 {margin-bottom:0!important;}
.mt-0 {margin-top:0!important;}
.text-center {text-align:center!important;}
.gold {color: var(--lux-gold);}

/* =========================== */
/* LUXURY TOUCHES              */
/* =========================== */
h1, h2, h3 {letter-spacing: 0.01em;}

/* Prevent content overlapping + guarantee spacing */
section > *,
.card-container > *,
.content-grid > *,
.feature-grid > *,
.text-image-section > *,
.guide-list > *,
.review-grid > *,
.broker-summaries > *,
.features-overview > * {
  margin-bottom: 20px;
}

/* Remove margin on last child for clean layouts */
.card-container > *:last-child,
.content-grid > *:last-child,
.feature-grid > *:last-child,
.text-image-section > *:last-child,
.guide-list > *:last-child,
.review-grid > *:last-child,
.broker-summaries > *:last-child,
.features-overview > *:last-child {
  margin-bottom: 0px;
}