/* -------------------------------------------------
  CSS RESET & BASE
------------------------------------------------- */
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, 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;
  scroll-behavior: smooth;
}
*, *:before, *:after {
  box-sizing: inherit;
}
body {
  line-height: 1.5;
  background: linear-gradient(140deg, #003366 0%, #E3A400 100%);
  color: #222;
  font-family: 'Roboto', Arial, Helvetica, sans-serif;
  font-size: 16px;
  min-height: 100vh;
  letter-spacing: 0.01em;
}
img {
  max-width: 100%;
  display: inline-block;
  vertical-align: middle;
}
a {
  color: #003366;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #E3A400;
  outline: none;
}
ul, ol {
  padding-left: 1.3em;
  margin-bottom: 1.2em;
}
li {
  margin-bottom: 0.45em;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Roboto', Arial, Helvetica, sans-serif;
  color: #003366;
  font-weight: 700;
  letter-spacing: 0.01em;
  margin-bottom: 16px;
}
h1 { font-size: 2.75rem; line-height: 1.14; margin-bottom: 24px; }
h2 { font-size: 2.1rem; line-height: 1.18; margin-bottom: 20px; }
h3 { font-size: 1.375rem; line-height: 1.2; margin-bottom: 12px; }
h4 { font-size: 1.15rem; font-weight: 700; margin-bottom: 8px; }
p, .subheadline, .text-section, .confirmation-message {
  font-size: 1.05rem;
  line-height: 1.7;
  color: #222222;
  margin-bottom: 16px;
}
blockquote {
  border-left: 4px solid #E3A400;
  margin: 18px 0 18px 0;
  padding: 14px 24px;
  background: #fff9ef;
  font-style: italic;
  color: #003366;
  border-radius: 8px;
}
strong { font-weight: 700; }

/* Layout Containers */
.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 18px;
}
.content-wrapper {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.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;
}
/* Cards/Features/Testimonials/Flex Utility */
.feature-grid, .usp-cards, .course-overview-grid, .course-list, .testimonials, .quote-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: flex-start;
}
.feature {
  flex: 1 1 260px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 16px 0 rgba(0,34,51,0.08);
  padding: 32px 24px 24px 24px;
  align-items: flex-start;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s;
  min-width: 240px;
  max-width: 360px;
}
.feature img {
  height: 38px;
  margin-bottom: 20px;
}
.feature:hover { box-shadow: 0 8px 36px 0 rgba(0,34,51,0.12); transform: translateY(-2px); }

.usp-card {
  flex: 1 1 240px;
  background: #FFFFFF;
  border-radius: 16px;
  box-shadow: 0 2px 16px 0 rgba(0,34,51,0.08);
  padding: 32px 24px 24px 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: box-shadow 0.2s, transform 0.2s;
  min-width: 200px;
  max-width: 340px;
}
.usp-card img { height: 38px; margin-bottom: 16px; }
.usp-card:hover { box-shadow: 0 8px 32px 0 rgba(0,34,51,0.14); transform: translateY(-2px); }

.course-card, .course {
  flex: 1 1 250px;
  background: #f8fafe;
  border-radius: 14px;
  box-shadow: 0 1px 8px 0 rgba(0,34,51,0.07);
  padding: 26px 20px 20px 20px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  margin-right: 0;
  min-width: 220px;
  max-width: 330px;
  gap: 9px;
  transition: box-shadow 0.18s, transform 0.18s;
  color: #003366;
}
.course-card:hover, .course:hover {
  box-shadow: 0 7px 28px 0 rgba(0,34,51,0.12);
  transform: translateY(-1.5px);
}

/* Testimonial Cards */
.testimonial-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  padding: 20px 24px;
  background: #FFF;
  border-radius: 14px;
  box-shadow: 0 1px 8px 0 rgba(0,34,51,0.09);
  margin-bottom: 24px;
  flex: 1 1 240px;
  min-width: 200px;
  max-width: 350px;
  color: #1b2329;
  transition: box-shadow 0.18s, transform 0.18s;
}
.testimonial-card span {
  font-size: 0.95rem;
  color: #555;
  font-style: italic;
}
.testimonial-card:hover {
  box-shadow: 0 8px 28px 0 rgba(0,34,51,0.14);
  transform: translateY(-3px);
}

.quote-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 24px;
}
.quote-grid blockquote {
  font-size: 1.1rem;
  background: #f8fafe;
  padding: 18px 28px;
  border-left: 4px solid #003366;
  color: #003366;
  border-radius: 14px;
  max-width: 320px;
  margin: 0;
}
.quote-grid span {
  display: block;
  margin-top: 0.7em;
  font-style: normal;
  color: #333;
}

/* Feature/Highlight/Utility */
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
}

/******* Buttons *******/
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 32px;
  border-radius: 8px;
  font-size: 1.07rem;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  letter-spacing: 0.01em;
  border: none;
  cursor: pointer;
  transition: background 0.22s, color 0.22s, box-shadow 0.17s, transform 0.15s;
  margin-top: 6px;
  outline: none;
}
.btn-primary {
  background: linear-gradient(95deg, #003366 0%, #2455a0 60%, #E3A400 120%);
  color: #FFF;
  box-shadow: 0 2px 10px 0 rgba(0,34,51,0.11);
}
.btn-primary:hover, .btn-primary:focus {
  background: linear-gradient(90deg, #00214d 0%, #E3A400 100%);
  color: #fff;
  transform: translateY(-1.5px) scale(1.03);
  box-shadow: 0 8px 36px 0 rgba(227,164,0,0.12);
}
.btn-secondary {
  background: #E3A400;
  color: #003366;
}
.btn-secondary:hover, .btn-secondary:focus {
  background: #003366;
  color: #fff;
}

/******* Header & Nav *******/
header {
  width: 100%;
  padding: 8px 0;
  background: rgba(255,255,255,0.96);
  box-shadow: 0 2px 18px 0 rgba(0,34,51,0.06);
}
header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding-top: 6px;
  padding-bottom: 6px;
}
.logo img { height: 46px; }
nav.main-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
}
nav.main-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: #003366;
  letter-spacing: 0.01em;
  padding: 6px 0 6px 0;
  border-bottom: 3px solid transparent;
  transition: color 0.18s, border 0.17s;
}
nav.main-nav a.active, nav.main-nav a:hover, nav.main-nav a:focus {
  color: #E3A400;
  border-bottom: 3px solid #E3A400;
}

/****** Mobile Burger Menu ******/
.mobile-menu-toggle {
  background: linear-gradient(70deg, #003366 70%, #E3A400 100%);
  border: none;
  color: #fff;
  font-size: 2.2rem;
  display: none;
  border-radius: 7px;
  padding: 2px 14px 2px 14px;
  cursor: pointer;
  box-shadow: 0 1px 6px 0 rgba(0,34,51,0.08);
  transition: background 0.16s, color 0.18s, box-shadow 0.13s;
  z-index: 30;
}
.mobile-menu-toggle:focus {
  outline: 3px solid #E3A400;
}
.mobile-menu {
  position: fixed;
  left: 0;
  top: 0;
  width: 100vw;
  height: 100vh;
  background: #fff;
  box-shadow: 0 2px 30px 0 rgba(0,34,51,0.13);
  transform: translateX(-105%);
  transition: transform 0.36s cubic-bezier(.86,.01,.54,.96);
  z-index: 2010;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  padding-top: 32px;
  gap: 0;
  pointer-events: none;
}
.mobile-menu.active {
  transform: translateX(0%);
  pointer-events: all;
}
.mobile-menu-close {
  position: absolute;
  top: 24px;
  right: 24px;
  background: none;
  border: none;
  font-size: 2rem;
  color: #003366;
  cursor: pointer;
  z-index: 2020;
  transition: color 0.16s;
  padding: 3px 12px;
}
.mobile-menu-close:focus {
  color: #E3A400;
  outline: 2px solid #E3A400;
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 68px;
  padding-left: 35px;
  align-items: flex-start;
}
.mobile-nav a {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.2rem;
  color: #003366;
  padding: 10px 0;
  border-bottom: 2px solid transparent;
  border-radius: 2px;
  min-width: 180px;
  transition: color 0.19s, background 0.20s, border 0.17s;
}
.mobile-nav a:hover, .mobile-nav a:focus {
  color: #E3A400;
  background: #f8fafe;
  border-bottom: 2px solid #E3A400;
}

/********* Main ************/
main {
  width: 100%;
  margin-top: 18px;
}
section {
  margin-bottom: 60px;
  padding: 40px 20px 40px 20px;
  background: rgba(255,255,255,0.91);
  border-radius: 28px;
  box-shadow: 0 2px 24px 0 rgba(0,34,51,0.05);
}
section:last-child { margin-bottom: 0; }
.cta-banner {
  background: linear-gradient(93deg, #003366 60%, #E3A400 120%);
  border-radius: 20px;
  padding: 34px 22px 32px 22px;
  color: #fff;
  align-items: center;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: 0 2px 18px 0 rgba(0,34,51,0.10);
}
.cta-banner h2, .cta-banner p {
  color: #fff;
  text-align: center;
}
.cta-banner a {
  margin-top: 12px;
}

/***** Footer ******/
footer {
  background: linear-gradient(95deg, #003366 0%, #1a2345 90%);
  color: #fff;
  padding-top: 38px;
  padding-bottom: 28px;
  margin-top: 40px;
}
footer .container {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 38px;
  justify-content: space-between;
}
.logo-footer img {
  height: 42px;
  filter: drop-shadow(0 1px 4px #e3a2003e);
}
nav.footer-nav {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  align-items: flex-start;
}
nav.footer-nav a {
  color: #f0e7d3;
  font-size: 1.0rem;
  transition: color 0.18s;
}
nav.footer-nav a:hover, nav.footer-nav a:focus {
  color: #E3A400;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 0.98rem;
  color: #fafafa;
}
.footer-contact p,
.footer-contact a {
  color: #fafafa;
  display: flex;
  align-items: center;
  gap: 9px;
}
.footer-contact a:hover { color: #E3A400; }
.footer-contact img { height: 18px; filter: grayscale(30%) brightness(1.1); margin-right: 7px;  }

/***** Lists, Infographics, Course Categories *****/
.course-categories,
.target-group-highlights,
.infographics {
  margin-top: 24px;
  margin-bottom: 10px;
  background: #fff;
  border-radius: 10px;
  padding: 16px 22px;
  box-shadow: 0 1px 8px 0 rgba(0,34,51,0.06);
}
.infographics ul,
.course-categories ul,
.target-group-highlights ul {
  margin-top: 8px;
}
.infographics h4,
.course-categories h4,
.target-group-highlights h4 {
  color: #E3A400;
}

/***** FAQ Accordion *****/
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-bottom: 14px;
}
.faq-accordion h3 {
  font-size: 1.08rem;
  margin-bottom: 4px;
  color: #003366;
}
.faq-accordion p {
  margin-bottom: 6px;
}
.contact-prompt .cta {
  color: #003366;
  font-size: 1.08rem;
  margin-top: 14px;
  margin-bottom: 16px;
}
.contact-prompt a {
  color: #E3A400;
  font-weight: 600;
}
.contact-prompt a:hover { color: #003366; }

/***** Confirmation Section *****/
.confirmation {
  background: #f8fafe;
  border-radius: 16px;
  padding: 34px 24px 28px 24px;
  box-shadow: 0 2px 12px 0 rgba(0,34,51,0.07);
  color: #003366; 
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
}
.confirmation-message {
  font-size: 1.11rem;
  color: #003366;
  margin-bottom: 10px;
}

/* How-to guides in Finanztipps */
.how-to-guides {
  margin-top: 22px;
  background: #f8fafe;
  border-radius: 11px;
  padding: 18px 22px;
  box-shadow: 0 1.5px 9px 0 rgba(0,34,51,0.06);
}
.how-to-guides h3 {
  color: #003366;
}

/***** Cookie Consent Banner & Modal ******/
.cookie-banner {
  position: fixed;
  left: 0; bottom: 0;
  width: 100vw;
  background: linear-gradient(93deg, #003366 45%, #E3A400 120%);
  color: #fff;
  padding: 22px 24px 22px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px;
  z-index: 9500;
  box-shadow: 0 -6px 32px 0 rgba(0,34,51,0.18);
  transition: transform 0.24s cubic-bezier(.86,.01,.54,.96), opacity 0.23s;
}
.cookie-banner.hide {
  transform: translateY(120%);
  opacity: 0;
  pointer-events: none;
}
.cookie-banner__text {
  font-size: 1rem;
  max-width: 550px;
}
.cookie-banner__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.cookie-btn {
  padding: 9px 22px;
  font-size: 1rem;
  font-family: 'Montserrat', Arial, sans-serif;
  border-radius: 6px;
  border: none;
  font-weight: 600;
  margin: 0;
  cursor: pointer;
  transition: background 0.18s, color 0.16s, box-shadow 0.15s;
}
.cookie-btn.accept {
  background: #E3A400;
  color: #003366;
}
.cookie-btn.accept:hover {
  background: #003366;
  color: #fff;
}
.cookie-btn.reject {
  background: #fff;
  color: #003366;
  border: 2px solid #003366;
}
.cookie-btn.reject:hover {
  background: #E3A400;
  color: #fff;
  border-color: #E3A400;
}
.cookie-btn.settings {
  background: #003366;
  color: #fff;
  border: none;
}
.cookie-btn.settings:hover {
  background: #fff;
  color: #003366;
  border: 2px solid #E3A400;
}
/* Cookie modal popup */
.cookie-modal-overlay {
  position: fixed;
  left: 0; top: 0;
  width: 100vw; height: 100vh;
  background: rgba(0,38,72,0.50);
  z-index: 9700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.18s;
  opacity: 1;
}
.cookie-modal-overlay.hide {
  opacity: 0;
  pointer-events: none;
}
.cookie-modal {
  background: #fff;
  color: #003366;
  border-radius: 17px;
  box-shadow: 0 3px 44px rgba(0,34,51,0.22);
  padding: 38px 32px 28px 32px;
  min-width: 330px;
  max-width: 98vw;
  min-height: 200px;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 17px;
  z-index: 9800;
}
.cookie-modal h2 {
  color: #003366; font-size: 1.45rem; margin-bottom: 13px;
}
.cookie-categories {
  display: flex;
  flex-direction: column;
  gap: 17px;
}
.category-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 11px 0;
  font-size: 1rem;
}
.category-row .toggle-switch {
  margin-left: auto;
}
.cookie-modal .modal-actions {
  display: flex;
  gap: 14px;
  margin-top: 18px;
  justify-content: flex-end;
}
.cookie-modal-close {
  position: absolute;
  top: 14px;
  right: 16px;
  border: none;
  background: #fff;
  color: #003366;
  font-size: 2rem;
  cursor: pointer;
  border-radius: 6px;
}
.cookie-modal-close:hover { background: #E3A400; color: #fff; }
.toggle-switch {
  width: 40px;
  height: 24px;
  border-radius: 14px;
  background: #d1d6db;
  display: inline-block;
  position: relative;
}
.toggle-switch input {
  opacity: 0;
  width: 0; height: 0;
}
.toggle-slider {
  position: absolute;
  left: 2px;
  top: 2px;
  height: 20px; width: 20px;
  background: #fff;
  border-radius: 50%;
  transition: transform 0.2s, background 0.2s;
  box-shadow: 0 1px 4px rgba(0,0,0,0.11);
}
.toggle-switch input:checked + .toggle-slider {
  background: #E3A400;
  transform: translateX(16px);
}
.category-row.disabled {
  opacity: 0.6;
  pointer-events: none;
}

/***** Responsive (Mobile First) ******/
@media (max-width: 1100px) {
  .container { max-width: 94vw; }
}
@media (max-width: 900px) {
  .container { max-width: 99vw; }
  .feature-grid, .usp-cards, .course-list, .testimonials, .quote-grid {
    gap: 16px;
  }
  .footer-contact, .footer-nav {
    gap: 18px;
  }
}
@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.15rem; }
  .section,
  section {
    margin-bottom: 34px;
    padding: 28px 7px 26px 7px;
    border-radius: 18px;
  }
  .content-wrapper,
  .feature-grid, .usp-cards, .course-list, .course-overview-grid, .testimonials, .quote-grid {
    flex-direction: column;
    gap: 14px;
  }
  .feature,
  .usp-card,
  .course-card, .course, .testimonial-card {
    min-width: 0;
    max-width: 100%;
  }
  .main-nav { display: none !important; }
  .mobile-menu-toggle { display: block; }
  header .btn-primary { display: none; }
  .footer-contact { font-size: 0.95rem; }
  footer .container { flex-direction: column; gap: 24px; align-items: flex-start;  }
  .cta-banner { padding: 18px 8px 16px 8px; border-radius: 13px; gap: 9px; }
  .text-image-section { flex-direction: column; gap: 18px; }
}
@media (max-width: 520px) {
  h1 { font-size: 1.3rem; }
  h2 { font-size: 1.08rem; margin-bottom: 11px; }
  nav.main-nav, .btn-primary, .logo img { font-size: 1rem !important; }
  .cta-banner { padding: 11px 2px 8px 2px; }
}

/************ Extra Utilities ************/
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.flex-row { flex-direction: row; }
.align-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }

/********** A11y Focus Style **********/
:focus-visible {
  outline: 3px solid #E3A400;
  outline-offset: 2px;
}

/********** Hide visually but not screen-readers **********/
.sr-only { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }