:root{
  --c-primary:#0b3a5b;
  --c-accent:#1d6fa5;
  --c-text:#1f2a33;
  --c-muted:#5a6b78;
  --c-bg:#f7f8fa;
  --c-card:#ffffff;
  --c-border:#e3e7ec;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  color:var(--c-text);
  background:var(--c-bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
.container{max-width:1140px;margin:0 auto;padding:0 24px}
img{max-width:100%;height:auto;display:block}

/* Header */
.site-header{
  background:#fff;
  border-bottom:1px solid var(--c-border);
  position:sticky;top:0;z-index:50;
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 24px;gap:24px;
}
.brand img{height:48px;width:auto}
.main-nav{display:flex;flex-wrap:wrap;gap:6px}
.main-nav a{
  color:var(--c-muted);text-decoration:none;
  padding:8px 14px;border-radius:6px;font-size:.95rem;
  transition:background .15s,color .15s;
}
.main-nav a:hover{background:var(--c-bg);color:var(--c-primary)}
.main-nav a.active{color:var(--c-primary);font-weight:600}

/* Main */
.site-main{padding:48px 24px;min-height:60vh}

/* Hero */
.hero{
  background:linear-gradient(135deg,var(--c-primary),var(--c-accent));
  color:#fff;border-radius:14px;
  padding:64px 48px;margin-bottom:48px;
  box-shadow:0 6px 24px rgba(11,58,91,.15);
}
.hero h1{margin:0 0 16px;font-size:2.4rem;font-weight:700;line-height:1.2}
.hero p{margin:0;font-size:1.15rem;opacity:.95;max-width:720px}

/* Sections */
section{margin-bottom:48px}
h2{color:var(--c-primary);font-size:1.7rem;margin-top:0;margin-bottom:16px}
h3{color:var(--c-primary);font-size:1.2rem;margin-bottom:8px}

/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.card{
  background:var(--c-card);border:1px solid var(--c-border);
  border-radius:10px;padding:28px;
  transition:transform .15s,box-shadow .15s;
}
.card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(11,58,91,.08)}
.card .icon{
  width:42px;height:42px;border-radius:50%;
  background:linear-gradient(135deg,var(--c-primary),var(--c-accent));
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-weight:700;margin-bottom:14px;
}

/* Two-column */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:768px){.two-col{grid-template-columns:1fr}}

/* Forms */
.form-row{margin-bottom:18px}
label{display:block;font-weight:600;margin-bottom:6px;color:var(--c-primary)}
input,textarea,select{
  width:100%;padding:11px 14px;border:1px solid var(--c-border);
  border-radius:6px;font-family:inherit;font-size:1rem;background:#fff;
}
input:focus,textarea:focus{outline:none;border-color:var(--c-accent);box-shadow:0 0 0 3px rgba(29,111,165,.12)}
button.btn,.btn{
  background:var(--c-primary);color:#fff;border:none;padding:12px 28px;
  border-radius:6px;font-size:1rem;font-weight:600;cursor:pointer;
  text-decoration:none;display:inline-block;
}
button.btn:hover,.btn:hover{background:var(--c-accent)}

/* Legal image */
.legal-image{
  background:#fff;padding:32px;border:1px solid var(--c-border);
  border-radius:10px;text-align:center;
}
.legal-image img{margin:0 auto;max-width:100%}

/* Footer */
.site-footer{
  background:#0b3a5b;color:#cdd6df;margin-top:64px;
}
.footer-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  gap:32px;padding:48px 24px;
}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:1rem;letter-spacing:.5px}
.site-footer p{margin:0;font-size:.92rem;line-height:1.7}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin-bottom:8px}
.site-footer a{color:#9fb6c8;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-bottom{
  border-top:1px solid #1a4a6e;padding:18px 0;
  font-size:.85rem;color:#7a91a3;
}

/* Responsive */
@media(max-width:640px){
  .hero{padding:40px 28px}
  .hero h1{font-size:1.8rem}
  .header-inner{flex-direction:column;align-items:flex-start}
  .main-nav{width:100%}
}