:root {
      --navy: #0b3557;
      --blue: #1fa3c6;
      --bg: #f7fafc;
      --text: #123;
    }

    * { box-sizing: border-box; }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      background: var(--bg);
      color: var(--text);
      line-height: 1.6;
    }

    header {
      background: var(--navy);
      color: #ffffff;
      padding: 40px 20px;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 24px;
    }

    header img {
      width: 80px;
      height: 80px;
    }

    header h1 {
      margin: 0;
      font-size: 2.5rem;
      letter-spacing: 1px;
    }

    header p {
      margin: 4px 0 0 0;
      color: #bfe8f3;
      font-size: 1.1rem;
    }

    section {
      padding: 60px 20px;
      max-width: 1100px;
      margin: auto;
    }

    .hero {
      text-align: center;
    }

    .hero h2 {
      font-size: 2rem;
      margin-bottom: 16px;
    }

    .hero p {
      max-width: 700px;
      margin: 0 auto 32px auto;
      font-size: 1.1rem;
    }

    .cta {
      background: var(--blue);
      color: #ffffff;
      padding: 14px 32px;
      border-radius: 8px;
      display: inline-block;
      text-decoration: none;
      font-weight: bold;
      transition: background 0.2s ease;
    }

    .cta:hover {
      background: #1789a8;
    }

    .cards {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 24px;
      margin-top: 40px;
    }

    .card {
      background: #ffffff;
      padding: 28px;
      border-radius: 16px;
      box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
      transition: transform 0.2s ease, box-shadow 0.2s ease;
    }

    .card:hover {
      transform: translateY(-4px);
      box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
    }

    .card h3 {
      margin-top: 0;
      color: var(--navy);
    }

    footer {
      background: var(--navy);
      color: #ffffff;
      padding: 20px;
      text-align: center;
      font-size: 0.9rem;
    }