*{margin:0;padding:0;box-sizing:border-box}
body{font-family:Segoe UI,Arial,sans-serif;background:#f4f7fb;color:#263238;line-height:1.6}
a{text-decoration:none}
.navbar{background:#0d47a1;color:#fff;padding:16px 7%;display:flex;justify-content:space-between;align-items:center;position:sticky;top:0;z-index:10}
.logo{font-size:24px;font-weight:700}
.menu a{color:#fff;margin-left:20px;font-size:14px;font-weight:600}
.menu a:hover{opacity:.8}
.hero{background:linear-gradient(135deg,#0d47a1,#1976d2);color:#fff;text-align:center;padding:90px 20px}
.hero h1{font-size:42px;margin-bottom:14px}
.hero p{max-width:850px;margin:auto;font-size:18px}
.section{max-width:1150px;margin:auto;padding:60px 20px}
.section-title{text-align:center;font-size:32px;color:#0d47a1;margin-bottom:12px}
.section-desc{text-align:center;max-width:800px;margin:0 auto 40px;color:#546e7a}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.card{background:#fff;padding:28px;border-radius:12px;box-shadow:0 4px 14px rgba(0,0,0,.08)}
.card h3{color:#1565c0;margin-bottom:10px}
.card p{color:#546e7a}
.content{background:#fff;padding:34px;border-radius:12px;box-shadow:0 4px 14px rgba(0,0,0,.08)}
.content h2,.content h3{color:#0d47a1;margin:24px 0 10px}
.content p{margin-bottom:16px;color:#455a64}
.faq-item{background:#fff;margin-bottom:16px;padding:24px;border-radius:10px;box-shadow:0 3px 12px rgba(0,0,0,.07)}
.faq-item h3{color:#1565c0;margin-bottom:8px}
.cta{background:#0d47a1;color:#fff;text-align:center;padding:60px 20px}
.btn{display:inline-block;background:#fff;color:#0d47a1;padding:13px 26px;border-radius:6px;font-weight:700;margin-top:18px}
.footer{background:#082f6b;color:#fff;padding:40px 7%;text-align:center}
.footer a{color:#dbe8ff;margin:0 8px}
@media(max-width:768px){
.navbar{flex-direction:column;gap:12px}
.menu{text-align:center}
.menu a{display:inline-block;margin:5px 8px}
.hero h1{font-size:31px}
.hero{padding:70px 15px}
}