/* ==============================
   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,
main, menu, nav, output, ruby, section, summary,
time, mark, audio, video {
  margin: 0;
  padding: 0;
  border: 0;
  font-size: 100%;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  line-height: 1.15;
  -webkit-text-size-adjust: 100%;
  box-sizing: border-box;
}
body {
  background: #F3F3F1;
  color: #232A33;
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 16px;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}
img, picture, video, canvas, svg {
  display: inline-block;
  max-width: 100%;
  height: auto;
}
a {
  color: #232A33;
  text-decoration: none;
  transition: color 0.2s;
  font-weight: 600;
}
ul, ol {
  list-style: none;
}
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  color: inherit;
  background: none;
  border: none;
  outline: none;
  resize: none;
}
button {
  cursor: pointer;
}

/* ==============================
   FONT IMPORTS
   ============================== */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;800&family=Roboto:wght@400;500;700&display=swap');

/* ==============================
   BRAND COLORS AS VARIABLES
   ============================== */
:root {
  --color-primary: #232A33;
  --color-secondary: #CBB26A;
  --color-accent: #F3F3F1;
  --color-bg: #F3F3F1;
  --color-dark: #232A33;
  --color-light: #fff;
  --color-grey: #E2E2E2;
  --color-testimonial-bg: #fff;
}

/* ==============================
   TYPOGRAPHY - MODERN BOLD
   ============================== */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: 0.5px;
  margin-bottom: 18px;
  color: var(--color-dark);
}
h1 {
  font-size: 2.8rem;
  margin-bottom: 20px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 20px;
}
h3 {
  font-size: 1.3rem;
  margin-bottom: 12px;
}
h4, h5, h6 {
  font-size: 1.1rem;
}
p, li, ul, ol {
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 400;
  line-height: 1.7;
  margin-bottom: 16px;
}
strong {
  font-weight: 700;
}

@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.3rem; }
  h3 { font-size: 1.1rem; }
}

/* ==============================
   GENERAL SPACING
   ============================== */
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.content-wrapper {
  margin: 0 auto;
  padding-top: 12px;
  padding-bottom: 12px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.section {
  margin-bottom: 60px;
  padding: 40px 20px;
}

/* ==============================
   HEADER, NAVIGATION & CTA
   ============================== */
header {
  background: var(--color-light);
  box-shadow: 0 4px 16px rgba(35, 42, 51, 0.07);
  position: relative;
  z-index: 90;
}
header .container {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 28px;
  min-height: 74px;
  position: relative;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-left: 24px;
}
.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.05em;
  color: var(--color-dark);
  padding: 8px 6px;
  border-radius: 6px;
  position: relative;
  transition: color 0.18s;
}
.main-nav a:hover,
.main-nav a:focus {
  color: var(--color-secondary);
  background: var(--color-accent);
  text-decoration: none;
}

.cta.primary {
  background: var(--color-secondary);
  color: var(--color-primary);
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: 0.08em;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 32px;
  padding: 12px 36px;
  border: none;
  box-shadow: 0 4px 24px rgba(203, 178, 106, 0.08);
  margin-left: auto;
  transition: background 0.18s, color 0.18s, box-shadow 0.2s;
  cursor: pointer;
}
.cta,
.button,
input[type='submit'],
button[type='submit'] {
  background: var(--color-primary);
  color: #fff;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: 0.07em;
  border-radius: 32px;
  padding: 12px 32px;
  border: none;
  margin-top: 18px;
  transition: background 0.18s, color 0.18s, box-shadow 0.2s;
  cursor: pointer;
}
.cta.primary:hover, .cta.primary:focus {
  background: var(--color-dark);
  color: var(--color-secondary);
  box-shadow: 0 4px 24px rgba(35,42,51,0.14);
}
.cta:hover, .cta:focus, .button:hover, .button:focus,
input[type='submit']:hover, button[type='submit']:hover {
  background: var(--color-secondary);
  color: var(--color-primary);
  box-shadow: 0 4px 16px rgba(203,178,106,0.17);
}

.mobile-menu-toggle {
  display: none;
  background: var(--color-primary);
  color: var(--color-secondary);
  font-size: 2rem;
  border-radius: 8px;
  padding: 8px 12px;
  border: none;
  position: relative;
  z-index: 99;
  margin-left: 14px;
  transition: background .15s;
}
.mobile-menu-toggle:active { background: var(--color-secondary); color: var(--color-primary); }

/* ==============================
   MOBILE NAV & SIDEMENU
   ============================== */
.mobile-menu {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  width: 100vw; height: 100vh;
  z-index: 5000;
  background: rgba(35,42,51,0.92);
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(.77,0,.18,1);
  padding: 0;
}
.mobile-menu.open {
  display: flex;
  flex-direction: column;
  transform: translateX(0);
}
.mobile-menu-close {
  align-self: flex-end;
  background: none;
  color: var(--color-secondary);
  font-size: 2rem;
  padding: 16px;
  border: none;
  cursor: pointer;
  margin: 18px 18px 0 0;
  transition: color 0.18s;
  z-index: 5010;
}
.mobile-menu-close:hover,
.mobile-menu-close:focus {
  color: #fff;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 24px;
  margin: 60px 32px;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  color: var(--color-secondary);
  font-size: 1.6rem;
  font-weight: 700;
  padding: 10px 0;
  width: 100%;
  border-radius: 8px;
  transition: background 0.18s, color 0.18s;
}
.mobile-nav a:hover,
.mobile-nav a:focus {
  background: var(--color-secondary);
  color: var(--color-primary);
  padding-left: 10px;
}

@media (max-width: 1000px) {
  .main-nav { display: none; }
  .mobile-menu-toggle { display: block; }
  .cta.primary { margin-left: 0; }
}
@media (max-width: 600px) {
  header .container { gap: 6px; }
  .mobile-nav { margin: 50px 14px; }
  .mobile-nav a { font-size: 1.25rem; }
}

/* ==============================
   HERO SECTION
   ============================== */
.hero {
  min-height: 440px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(95deg, var(--color-accent) 80%, #fff 100%);
  border-bottom-left-radius: 64px;
  border-bottom-right-radius: 64px;
  box-shadow: 0 8px 36px rgba(35,42,51,0.10);
}
.hero .container {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  min-height: 380px;
}
.hero .content-wrapper {
  text-align: center;
  gap: 18px;
}
.hero h1 {
  color: var(--color-primary);
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  letter-spacing: 0.01em;
  margin-bottom: 12px;
}
.hero p {
  font-size: 1.2rem;
  color: var(--color-dark);
  margin-bottom: 24px;
}
.hero .cta.primary {
  margin-top: 12px;
}

/* ==============================
   FEATURES GRID & FEATURE ITEM
   ============================== */
.features-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 24px;
  justify-content: space-between;
}
.feature {
  background: var(--color-light);
  border-radius: 20px;
  box-shadow: 0 2px 16px rgba(35,42,51,0.07);
  padding: 32px 22px 26px 22px;
  min-width: 240px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  flex: 1 1 220px;
  margin-bottom: 20px;
  transition: box-shadow 0.25s, transform 0.12s;
  border: 2.5px solid var(--color-accent);
  position: relative;
}
.feature img {
  width: 38px;
  height: 38px;
}
.feature h3 {
  color: var(--color-primary);
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 0;
}
.feature p {
  margin-bottom: 0;
}
.feature:hover,
.feature:focus {
  box-shadow: 0 10px 24px rgba(203,178,106, 0.15);
  border-color: var(--color-secondary);
  transform: translateY(-2px) scale(1.025);
}

/* ==============================
   GENERIC FLEX SPACING UTILS
   ============================== */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  margin-bottom: 20px;
  position: relative;
  background: var(--color-light);
  border-radius: 18px;
  box-shadow: 0 2px 10px rgba(35,42,51,0.07);
  padding: 26px;
  transition: box-shadow 0.21s, transform 0.10s;
}
.card:hover,
.card:focus {
  box-shadow: 0 8px 24px rgba(35,42,51,0.14);
  transform: translateY(-2px) scale(1.021);
}

.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;
}

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

/* ==============================
   TESTIMONIALS & CARDS
   ============================== */
.testimonial-list {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 24px;
}
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  background: var(--color-testimonial-bg);
  gap: 20px;
  padding: 20px 28px;
  border-radius: 22px;
  box-shadow: 0 4px 16px rgba(35,42,51,0.10);
  margin-bottom: 20px;
  min-width: 260px;
  max-width: 370px;
  border: 2px solid var(--color-secondary);
  color: var(--color-primary);
  font-size: 1.08rem;
  font-style: italic;
  transition: box-shadow 0.18s;
}
.testimonial-card:hover,
.testimonial-card:focus {
  box-shadow: 0 10px 32px rgba(203,178,106,0.17);
}
.testimonial-author {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-style: normal;
  color: var(--color-secondary);
  font-weight: 700;
  margin-top: 6px;
  align-self: flex-end;
}

/* FAQ SECTION */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.faq-item {
  background: var(--color-light);
  border-radius: 16px;
  box-shadow: 0 2px 14px rgba(35,42,51,0.05);
  padding: 21px 22px 18px 22px;
  margin-bottom: 20px;
  transition: box-shadow 0.13s, border-color 0.18s;
  border-left: 6px solid var(--color-secondary);
}
.faq-item h2 {
  font-size: 1.15rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 8px;
}
.faq-item p { margin-bottom: 0; }
.faq-search {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 22px;
}
.faq-search input[type="search"] {
  flex: 1;
  border: 2px solid var(--color-secondary);
  border-radius: 8px;
  padding: 11px 16px;
  font-size: 1rem;
  outline: none;
  background: var(--color-accent);
  color: var(--color-dark);
  transition: border 0.2s;
}
.faq-search input[type="search"]:focus {
  border-color: var(--color-primary);
}
.faq-search button {
  background: var(--color-secondary);
  color: var(--color-primary);
  border: none;
  border-radius: 8px;
  padding: 10px 15px;
  transition: background 0.16s;
}
.faq-search button:hover,
.faq-search button:focus {
  background: var(--color-primary);
  color: var(--color-secondary);
}
.faq-search img { width: 20px; height: 20px; }

/* ==============================
   TEXT SECTIONS, UL, OL
   ============================== */
.text-section {
  margin-bottom: 18px;
  display: flex;
  flex-direction: column;
  gap: 15px;
}
.text-section ul, .text-section ol, ul, ol {
  padding-left: 20px;
  margin-bottom: 12px;
}
.text-section ul li,
ul li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 9px;
  color: var(--color-primary);
  font-family: 'Roboto', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 400;
}
.text-section ul li:before,
ul li:before {
  content: '';
  display: inline-block;
  width: 10px;
  height: 10px;
  background: var(--color-secondary);
  border-radius: 50%;
  position: absolute;
  left: 2px;
  top: 9px;
}
.text-section li img {
  margin-right: 8px;
  vertical-align: -2px;
}

ol li {
  counter-increment: olcounter;
  padding-left: 32px;
  margin-bottom: 8px;
  position: relative;
}
ol li:before {
  content: counter(olcounter) '.';
  counter-reset: olcounter;
  color: var(--color-secondary);
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 800;
  position: absolute;
  left: 3px;
  top: 0;
  font-size: 1.15em;
}

/* ==============================
   MISC SECTIONS
   ============================== */
.process-icons {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 18px;
}
.process-icons img {
  width: 42px;
  height: 42px;
}

/* ==============================
   FOOTER
   ============================== */
footer {
  background: var(--color-primary);
  color: var(--color-secondary);
  padding: 36px 0 18px 0;
  box-shadow: 0 -2px 12px rgba(35,42,51,0.07);
}
footer .container {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-navigation {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 18px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  color: var(--color-secondary);
  margin-bottom: 8px;
}
.footer-navigation a {
  color: var(--color-secondary);
  opacity: 0.95;
  font-weight: 700;
  position: relative;
  transition: color 0.17s, opacity 0.18s;
}
.footer-navigation a:hover,
.footer-navigation a:focus {
  color: #fff;
  opacity: 1;
}
.brand-disclaimer {
  font-size: 0.97rem;
  color: var(--color-secondary);
  text-align: center;
  margin: 6px 0 12px 0;
  letter-spacing: 0.03em;
}
.footer-contact {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 22px;
  font-size: 1rem;
  color: var(--color-secondary);
}
.footer-contact img {
  width: 18px;
  vertical-align: -3px;
  margin-right: 4px;
}

/* ==============================
   COOKIE CONSENT BANNER
   ============================== */
.cookie-consent-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: #232A33;
  color: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
  padding: 24px 30px 22px 30px;
  z-index: 9999;
  box-shadow: 0 -4px 18px rgba(35,42,51,0.16);
  transition: transform 0.32s cubic-bezier(.61,0,.38,1); 
  transform: translateY(0);
}
.cookie-consent-banner.hide {
  transform: translateY(140%);
}
.cookie-consent-banner .cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
}
.cookie-consent-banner .cookie-btn {
  background: var(--color-secondary);
  color: var(--color-primary);
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  padding: 10px 23px;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  transition: background 0.14s, color 0.14s;
}
.cookie-consent-banner .cookie-btn.cookie-settings {
  background: var(--color-light);
  color: var(--color-primary);
  border: 2px solid var(--color-secondary);
  margin-left: 6px;
}
.cookie-consent-banner .cookie-btn:hover,
.cookie-consent-banner .cookie-btn:focus {
  background: var(--color-primary);
  color: var(--color-secondary);
}
.cookie-consent-banner .cookie-btn.cookie-settings:hover,
.cookie-consent-banner .cookie-btn.cookie-settings:focus {
  background: var(--color-secondary);
  color: var(--color-primary);
}

/* COOKIE MODAL */
.cookie-modal-backdrop {
  position: fixed;
  top: 0; bottom: 0; left: 0; right: 0;
  background: rgba(35,42,51,0.70);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
  opacity: 1;
}
.cookie-modal {
  background: var(--color-light);
  color: var(--color-primary);
  border-radius: 20px;
  padding: 38px 26px 28px 26px;
  max-width: 430px;
  min-width: 300px;
  box-shadow: 0 6px 36px rgba(35,42,51,0.16);
  display: flex;
  flex-direction: column;
  gap: 28px;
  position: relative;
  z-index: 10010;
  animation: popIn .29s cubic-bezier(.5,1.5,.5,1) 1;
}
@keyframes popIn {
  0% { transform: scale(0.94); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}
.cookie-modal h2 {
  color: var(--color-primary);
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.45rem;
  font-weight: 800;
  margin-bottom: 12px;
}
.cookie-category {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}
.cookie-category label {
  font-weight: 700;
  color: var(--color-dark);
  font-size: 1.06rem;
}
.cookie-toggle {
  appearance: none;
  width: 42px;
  height: 24px;
  background: var(--color-grey);
  border-radius: 12px;
  position: relative;
  outline: none;
  transition: background 0.15s;
}
.cookie-toggle:checked {
  background: var(--color-secondary);
}
.cookie-toggle:before {
  content: '';
  display: block;
  width: 20px;
  height: 20px;
  background: var(--color-primary);
  border-radius: 50%;
  position: absolute;
  left: 2px;
  top: 2px;
  transition: transform 0.18s, background 0.17s;
}
.cookie-toggle:checked:before {
  transform: translateX(18px);
  background: var(--color-secondary);
}
.cookie-category .always-enabled {
  font-size: 0.98rem;
  color: var(--color-secondary);
  font-weight: 600;
  margin-left: 16px;
}
.cookie-modal .modal-actions {
  display: flex;
  gap: 18px;
  justify-content: flex-end;
}
.cookie-modal-close {
  position: absolute;
  top: 13px;
  right: 13px;
  background: transparent;
  font-size: 1.45rem;
  border: none;
  color: var(--color-secondary);
  cursor: pointer;
  transition: color 0.1s;
  z-index: 10020;
}
.cookie-modal-close:hover,
.cookie-modal-close:focus {
  color: var(--color-primary);
}

/* ==============================
   RESPONSIVE ADJUSTMENTS
   ============================== */
@media (max-width: 1100px) {
  .container { max-width: 1000px; }
  .features-grid { gap: 20px; }
  .testimonial-list { gap: 16px; }
}
@media (max-width: 900px) {
  .container { max-width: 780px; }
  .features-grid { flex-wrap: wrap; gap: 16px; }
  .feature { min-width: 180px; padding: 24px 14px; }
  .testimonial-card { padding: 15px 10px; }
}
@media (max-width: 768px) {
  .container { max-width: 96vw; }
  .section { margin-bottom: 36px; padding: 30px 8px; }
  .hero { min-height: 300px; border-bottom-left-radius: 40px; border-bottom-right-radius: 40px; }
  .hero .container { min-height: 200px; }
  .features-grid { flex-direction: column; gap: 16px; }
  .feature { min-width: 0; }
  .testimonial-list { flex-direction: column; align-items: stretch; gap: 14px; }
  .testimonial-card { min-width: 0; max-width: 100%; }
  .content-wrapper { padding-top: 6px; padding-bottom: 6px; gap: 12px; }
  .footer-contact { flex-direction: column; gap: 10px; }
  .footer-navigation { gap: 9px; font-size: 0.96rem; }
  .cookie-consent-banner { padding: 20px 8px; }
  .cookie-modal { padding: 20px 10px; }
  .text-image-section { flex-direction: column; align-items: flex-start; gap: 16px; }
}
@media (max-width: 640px) {
  .section { padding: 16px 2px; }
  .feature { padding: 13px 8px; font-size: 0.98rem; }
  .faq-item { padding: 13px 8px 14px 8px; }
  .card { padding: 13px 10px; }
  .cookie-modal { min-width: unset; width: 92vw; }
}

/* ==============================
   GEOMETRIC DECORATIVE SHAPES (OPTIONAL)
   ============================== */
.hero:after {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 140px; height: 140px;
  background: var(--color-secondary);
  border-top-left-radius: 45px 35px;
  opacity: 0.075;
  z-index: 1;
  pointer-events: none;
}

/* ==============================
   MICRO-INTERACTIONS & TRANSITIONS
   ============================== */
nav a, .cta, .button, .card, .feature, .testimonial-card, .footer-navigation a, .faq-item, .cookie-btn, .cookie-consent-banner, .cookie-category label, .cookie-modal-close {
  transition: background 0.16s, color 0.14s, box-shadow 0.16s, border-color 0.14s, transform 0.12s;
}

/* ==============================
   Z-INDEX GUARDS
   ============================== */
header    { z-index: 90; }
.mobile-menu,
.cookie-consent-banner { z-index: 5000; }
.cookie-modal-backdrop { z-index: 10000; }

/* End of Shine Ridge Invest Modern Bold CSS */