/* 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: inherit;
  font-size: 100%;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  height: 100%;
  scroll-behavior: smooth;
  font-size: 16px;
  background: #FCFCFC;
}
body {
  min-height: 100vh;
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  background: #FCFCFC;
  color: #13375B;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, picture, video, canvas, svg {
  display: inline-block;
  max-width: 100%;
  height: auto;
}
a {
  text-decoration: none;
  color: inherit;
  transition: color 0.2s cubic-bezier(.5,1.7,.6,.93);
}
ol, ul {
  list-style: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  background: none;
  border: none;
  outline: none;
}
*, *:before, *:after {
  box-sizing: inherit;
}

/* BRAND COLORS */
:root {
  --color-primary: #13375B;
  --color-secondary: #F3B845;
  --color-accent: #FCFCFC;
  --color-electric-blue: #00C9F2; /* accent for vibrancy */
  --color-pink: #FF3796;
  --color-neon-green: #34FF8B;
  --color-purple: #6A48FF;
  --color-dark: #102141;
  --color-text: #13375B;
  --color-bg: #FCFCFC;
  --shadow: 0 4px 24px 0 rgba(19,55,91,0.07);
}

/* TYPOGRAPHY */
h1, .h1 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2.5rem;
  font-weight: 900;
  letter-spacing: -1px;
  color: var(--color-primary);
  margin-bottom: 24px;
  line-height: 1.15;
  text-shadow: 0 2px 8px rgba(243,184,69,0.08);
}
h2, .h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-purple);
  margin-bottom: 18px;
  line-height: 1.18;
}
h3, .h3 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-electric-blue);
  margin-bottom: 12px;
}
p, li, address {
  font-size: 1.06rem;
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: 12px;
}
strong {
  font-weight: 800;
  color: var(--color-dark);
}
em {
  color: var(--color-purple);
  font-style: normal;
}
blockquote {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-pink);
  border-left: 5px solid var(--color-pink);
  padding-left: 20px;
  margin: 28px 0 14px 0;
  background: #FFF0FA;
  border-radius: 12px;
}

/**********************
LAYOUT & CONTAINERS
**********************/
.container {
  width: 100%;
  max-width: 1130px;
  margin: 0 auto;
  padding: 0 20px;
}
.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
}
.section, section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 24px;
  box-shadow: var(--shadow);
}

/* Hero Section */
.hero {
  background: linear-gradient(90deg, var(--color-electric-blue) 1%, var(--color-secondary) 99%);
  color: var(--color-dark);
  border-radius: 0 0 36px 36px;
  padding-top: 32px;
  padding-bottom: 48px;
  margin-bottom: 64px;
}
.hero h1 {
  color: var(--color-dark);
  text-shadow: 0 1px 16px rgba(0,201,242,0.25);
}
.hero p {
  font-size: 1.25rem;
  color: #222;
  margin-bottom: 24px;
  letter-spacing: 0.02em;
}

/*****************************
HEADER & NAVIGATION
*****************************/
header {
  background: #fff;
  box-shadow: 0 4px 24px 0 rgba(19,55,91,0.11);
  border-bottom: 3px solid var(--color-secondary);
  position: sticky;
  top: 0; left: 0; right: 0;
  z-index: 1001;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 80px;
}
.logo img {
  height: 45px;
}
nav {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
}
nav a {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: var(--color-primary);
  font-size: 1rem;
  padding: 8px 10px;
  border-radius: 7px;
  transition: background .20s, color .20s;
}
nav a:hover, nav a:focus {
  background: var(--color-electric-blue);
  color: #fff;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-weight: 900;
  letter-spacing: 0.06em;
  border: none;
  outline: none;
  font-size: 1.08rem;
  border-radius: 14px;
  text-transform: uppercase;
  padding: 12px 32px;
  margin-left: 16px;
  box-shadow: 0 2px 16px 0 rgba(19,55,91,0.09);
  cursor: pointer;
  transition: background .23s, color .23s, transform .18s;
}
.btn-primary {
  background: var(--color-secondary);
  color: var(--color-primary);
}
.btn-primary:hover, .btn-primary:focus {
  background: var(--color-pink);
  color: #fff;
  transform: translateY(-2px) scale(1.03);
}
.btn-secondary {
  background: var(--color-electric-blue);
  color: #fff;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: var(--color-purple);
  color: #fff;
  transform: translateY(-2px) scale(1.03);
}

/* Mobile Navigation */
.mobile-menu-toggle {
  display: none;
  position: absolute;
  right: 24px; top: 20px;
  background: var(--color-secondary);
  color: var(--color-primary);
  font-size: 2rem;
  border-radius: 9px;
  height: 44px; width: 44px;
  align-items: center;
  justify-content: center;
  z-index: 1150;
  border: none;
  transition: background .15s;
}
.mobile-menu-toggle:active,
.mobile-menu-toggle:focus {
  background: var(--color-electric-blue);
  color: #fff;
}
.mobile-menu {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(13,41,75,0.97);
  z-index: 2000;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  transition: transform 0.38s cubic-bezier(.76,-0.33,0,1.21);
  transform: translateX(-100vw);
  opacity: 0;
  padding-top: 34px;
}
.mobile-menu.open {
  display: flex;
  transform: translateX(0);
  opacity: 1;
}
.mobile-menu-close {
  margin-left: auto;
  margin-right: 24px;
  background: var(--color-pink);
  color: #fff;
  border-radius: 22px;
  font-size: 2rem;
  border: none;
  width: 44px; height: 44px;
  display: flex;
  align-items: center; justify-content: center;
  transition: background .18s;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  background: var(--color-secondary);
  color: var(--color-primary);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  width: 100%;
  align-items: flex-start;
  gap: 24px;
  margin-top: 48px;
  padding-left: 32px;
}
.mobile-nav a {
  color: #fff;
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.6rem;
  font-weight: 700;
  padding: 16px 0;
  border-radius: 9px;
  width: 100%;
  transition: background 0.17s, color 0.17s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  background: var(--color-purple);
  color: var(--color-secondary);
}

/***************** CARDS & FLEX SECTIONS ******************/
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 11px;
}
.card {
  background: #fff;
  margin-bottom: 20px;
  position: relative;
  border-radius: 20px;
  box-shadow: var(--shadow);
  padding: 28px 23px;
  transition: transform .19s,border-color .14s,box-shadow .16s;
  border: 2.5px solid transparent;
  min-width: 260px;
  max-width: 100%;
}
.card:hover, .card:focus-within {
  border-color: var(--color-electric-blue);
  transform: translateY(-4px) scale(1.025);
  box-shadow: 0 8px 32px 0 rgba(0,201,242,0.13);
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 12px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
  width: 100%;
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/***************** WORKSHOP LIST *****************/
.workshop-list {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin: 24px 0;
  justify-content: flex-start;
}
.workshop-item {
  background: #fff;
  border: 2px solid var(--color-purple);
  box-shadow: 0 4px 20px 0 rgba(106,72,255,0.08);
  border-radius: 15px;
  padding: 22px 18px;
  min-width: 250px;
  flex: 1 1 265px;
  transition: border-color 0.2s,transform 0.15s;
}
.workshop-item:hover, .workshop-item:focus-within {
  border-color: var(--color-secondary);
  transform: translateY(-3px);
}

/***************** TESTIMONIAL CARD *****************/
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: #fff;
  border-left: 8px solid var(--color-pink);
  border-radius: 20px;
  box-shadow: 0 2px 12px 0 rgba(0,201,242,0.12);
  margin-bottom: 23px;
  min-width: 240px;
}
.testimonial-card p {
  color: #222;
  font-size: 1.08rem;
  font-weight: 700;
}
.testimonial-card span {
  font-size: 1rem;
  color: var(--color-primary);
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
}

/******************** CTA SECTION ********************/
.cta, .cta-section {
  background: linear-gradient(90deg, var(--color-pink) 0%, var(--color-neon-green) 99%);
  color: var(--color-dark);
  text-align: center;
  border-radius: 30px;
  box-shadow: 0 7px 34px 0 rgba(52,255,139,0.16);
  margin-bottom: 40px;
  padding: 44px 32px 44px 32px;
}
.cta h2 {
  color: #fff;
  font-size: 2.2rem;
  margin-bottom: 24px;
  text-shadow: 0 3px 17px rgba(106,72,255,0.16);
}
.cta .btn {
  margin: 16px auto 0;
}

/* Notice Message (Contact Page) */
.notice-message {
  background: #00C9F210;
  border-left: 6px solid var(--color-electric-blue);
  border-radius: 10px;
  padding: 16px 18px;
  font-size: 1.08rem;
  margin-top: 9px;
  margin-bottom: 11px;
  color: var(--color-dark);
}

/*****************************
FOOTER
*****************************/
footer {
  background: #13375B;
  color: #fff;
  border-top: 6px solid var(--color-secondary);
  padding: 32px 0 24px 0;
  font-size: 1rem;
}
footer .container {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
}
footer nav {
  display: flex;
  gap: 28px;
}
footer nav a {
  color: var(--color-secondary);
  font-family: 'Montserrat',Arial,Helvetica,sans-serif;
  font-weight: 700;
  font-size: 1rem;
  border-radius: 7px;
  padding: 7px 9px;
  transition: background .18s, color .13s;
}
footer nav a:hover, footer nav a:focus {
  background: var(--color-electric-blue);
  color: #fff;
}
footer p {
  color: #fff;
  font-weight: 400;
  text-align: center;
}

/******************** TABLES & ADDRESS *******************/
address {
  font-style: normal;
  padding: 6px 2px 12px 2px;
}

/******************** COOKIES BANNER *********************/
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100%;
  z-index: 3000;
  background: #fff;
  border-top: 4px solid var(--color-secondary);
  box-shadow: 0 -4px 34px 0 rgba(19,55,91,0.17);
  padding: 24px 8vw 24px 8vw;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  font-size: 1.01rem;
  animation: slideUpFadeIn 0.5s both;
}
@keyframes slideUpFadeIn {
  from { transform: translateY(100%); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-banner .cookie-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.cookie-banner .btn {
  box-shadow: none;
  margin-left: 0;
  margin-right: 0;
  font-size: 1rem;
}
.cookie-banner .btn-settings {
  background: var(--color-primary);
  color: #fff;
}
.cookie-banner .btn-settings:hover, .cookie-banner .btn-settings:focus {
  background: var(--color-secondary);
  color: var(--color-primary);
}

/******************** COOKIES MODAL *********************/
.cookie-modal-overlay {
  position: fixed;
  left: 0; right: 0; top: 0; bottom: 0;
  background: rgba(19,55,91,0.74);
  z-index: 4500;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeIn 0.28s both;
}
.cookie-modal {
  background: #fff;
  border-radius: 22px;
  box-shadow: 0 9px 40px 0 rgba(19,55,91, 0.39);
  padding: 40px 30px 34px 30px;
  min-width: 330px;
  max-width: 95vw;
  color: var(--color-dark);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 24px;
  animation: popUp 0.35s cubic-bezier(.44,1.76,.52,1.12) both;
}
@keyframes popUp {
  from { opacity: 0; transform: scale(0.86); }
  to { opacity: 1; transform: scale(1); }
}
.cookie-modal .modal-close {
  position: absolute;
  top: 16px; right: 16px;
  background: var(--color-pink);
  color: #fff;
  border: none;
  border-radius: 14px;
  font-size: 1.5rem;
  width: 37px; height: 37px;
  display: flex; align-items: center; justify-content: center;
  transition: background .14s;
}
.cookie-modal .modal-close:hover, .cookie-modal .modal-close:focus {
  background: var(--color-secondary);
  color: var(--color-primary);
}
.cookie-modal h2 {
  font-family: 'Montserrat', Arial, Helvetica, sans-serif;
  font-size: 1.4rem;
  color: var(--color-electric-blue);
  margin-bottom: 14px;
  font-weight: 800;
}
.cookie-modal .cookie-category {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 17px;
  padding: 13px 0;
  border-bottom: 1px solid #e8e8e8;
  font-size: 1rem;
}
.cookie-modal .category-toggle {
  margin-left: auto;
}
.cookie-modal .category-toggle input[type='checkbox'] {
  width: 35px;
  height: 20px;
  accent-color: var(--color-electric-blue);
}
.cookie-modal .cookie-category.essential label {
  font-weight: 900;
  color: var(--color-secondary);
}
.cookie-modal .cookie-category.essential input[type='checkbox'] {
  pointer-events: none;
}
.cookie-modal .cookie-actions {
  display: flex;
  gap: 17px;
  justify-content: flex-end;
  margin-top: 16px;
}
.cookie-modal .btn {
  margin-left: 0;
}

/***************** UTILITY & MISC ********************/
::-webkit-input-placeholder { color: #566985; opacity: 1; }
::-moz-placeholder { color: #566985; opacity: 1; }
:-ms-input-placeholder { color: #566985; opacity: 1; }
::placeholder { color: #566985; opacity: 1; }

ul li {
  margin-bottom: 7px;
  padding-left: 0.3em;
  position: relative;
  color: var(--color-primary);
  font-weight: 500;
  font-size: 1.07em;
}
ul li img {
  height: 20px;
  margin-right: 8px;
  vertical-align: middle;
}
ul strong { color: var(--color-dark); }

/********************* RESPONSIVE *********************/
@media (max-width: 1020px) {
  .container { max-width: 97vw; }
}
@media (max-width: 900px) {
  h1, .h1 { font-size: 2.07rem; }
  h2, .h2 { font-size: 1.45rem; }
  .section, section, .cta {
    padding: 30px 12px;
    margin-bottom: 45px;
  }
  .hero {
    padding-top: 25px;
    padding-bottom: 27px;
    margin-bottom: 35px;
  }
}
@media (max-width: 768px) {
  html { font-size: 15px; }
  header .container { flex-direction: row; gap: 9px; height: 70px; }
  nav { display: none; }
  .btn { margin-left: 0; font-size: 0.95rem; padding: 10px 22px; }
  .mobile-menu-toggle { display: flex; }
  .hero { border-radius: 0 0 20px 20px; padding-top: 14px; padding-bottom: 25px; }
  .section, section, .cta {
    padding: 18px 2vw;
    margin-bottom: 36px;
    border-radius: 13px;
  }
  .content-wrapper, .content-grid, .workshop-list {
    flex-direction: column;
    gap: 16px;
  }
  .workshop-item, .card, .cta {
    min-width: 0; max-width: 100%;
  }
  .testimonial-card {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 13px 12px;
    margin-bottom: 16px;
  }
  .cta h2 { font-size: 1.29rem; }
}
@media (max-width: 520px) {
  html { font-size: 14px; }
  header .container { padding: 0 7px; }
  .logo img { height: 36px; }
  .cookie-banner { flex-direction: column; align-items: flex-start; gap: 12px; padding: 13px 2vw; font-size: 0.99rem; }
  .cookie-banner .cookie-buttons { gap: 10px; }
  .cookie-modal { min-width: 97vw; padding: 20px 9px 20px 10px; }
}

/******************** FLEXBOX SPACING **************/
.section, section {
  margin-bottom: 60px ;
  padding: 40px 20px ;
}
.card-container {
  display: flex ;
  flex-wrap: wrap ;
  gap: 24px ;
}
.card {
  margin-bottom: 20px ;
  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;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}
@media (max-width: 768px) {
  .text-image-section { flex-direction: column; }
}

/******************** MICRO-INTERACTIONS *******************/
.btn, .card, .workshop-item, .mobile-menu-toggle, .mobile-menu-close, .cookie-banner .btn, .cookie-modal .modal-close {
  transition: box-shadow .18s, background .14s, color .18s, border-color .17s, transform .12s;
}
.mobile-menu, .cookie-modal, .cookie-banner {
  will-change: transform, opacity;
}

/******************** COLOR CONTRAST FIX IN TESTIMONIALS ********************/
.testimonial-card, .testimonial-card p, .testimonial-card span {
  color: #103054 !important;
  background: #fff !important;
}

/******************** PRINT STYLES (optional) ********************/
@media print {
  header, footer, .mobile-menu, .cookie-banner, .cookie-modal, .mobile-menu-toggle { display: none !important; }
  main { padding: 0; }
  .section, section { box-shadow: none; border-radius: 0; }
}

/* End Zenith Finance Academy styles */