:root{
  --navy:#0B1F3B;
  --emerald:#1F8A70;
  --white:#FFFFFF;
  --slate:#5B677A;
  --gold:#F2C14E;
}

*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:Arial, Helvetica, sans-serif;color:var(--navy);background:var(--white);line-height:1.6;}
img{max-width:100%;display:block;}
a{color:var(--emerald);text-decoration:none;}
.container{width:92%;max-width:1200px;margin:0 auto;}
.section{padding:60px 0;}
.section.alt{background:#F6F8FB;}
h1,h2,h3{color:var(--navy);margin-bottom:16px;line-height:1.2;}
p{margin-bottom:14px;color:var(--slate);}
.btn{display:inline-block;padding:12px 22px;background:var(--emerald);color:var(--white);border-radius:4px;font-weight:700;}
.btn.secondary{background:var(--navy);}
.badges{display:flex;gap:16px;flex-wrap:wrap;}
.badge{background:#E8F3F0;color:var(--navy);padding:10px 14px;border-radius:4px;font-size:14px;}
.header{background:var(--white);border-bottom:1px solid #E5E9F0;position:sticky;top:0;z-index:999;}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
.logo{height:50px;width:auto;}
.nav{display:flex;gap:20px;align-items:center;}
.nav a{color:var(--navy);font-weight:600;}
#nav-toggle{display:none;}
.burger{display:none;font-size:26px;color:var(--navy);cursor:pointer;}
.mobile-menu{display:none;}
.mobile-menu a{color:var(--white);font-size:20px;margin:14px 0;display:block;}
.mobile-menu .close{position:absolute;top:18px;right:20px;font-size:28px;color:var(--white);cursor:pointer;}
.hero{background:linear-gradient(120deg, #0B1F3B 0%, #122B52 60%);color:var(--white);padding:80px 0;}
.hero h1{color:var(--white);}
.hero p{color:#DCE3EE;}
.hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center;}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.card{border:1px solid #E5E9F0;padding:18px;border-radius:6px;background:var(--white);}
.card h3{margin-bottom:10px;}
.list{padding-left:18px;margin-bottom:14px;}
.list li{margin-bottom:8px;color:var(--slate);}
.split{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center;}
.faq-item{border-bottom:1px solid #E5E9F0;padding:12px 0;}
.contact-info{background:#F6F8FB;padding:18px;border-radius:6px;}
form{display:grid;gap:12px;}
input, textarea, select{padding:10px;border:1px solid #CBD3E0;border-radius:4px;font-size:16px;}
label{font-weight:600;color:var(--navy);}
footer{background:var(--navy);color:var(--white);padding:40px 0;}
footer p, footer a{color:#DCE3EE;}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:24px;}
.footer-logo{height:100px;width:auto;margin-bottom:12px;}
.footer-menu a{display:block;margin:6px 0;}
.subfooter{background:#07162B;color:#B9C6D8;text-align:center;padding:10px;font-size:14px;}
.banner{position:fixed;left:0;right:0;bottom:0;background:#0B1F3B;color:#FFFFFF;padding:14px;display:none;z-index:999;}
.banner-inner{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;}
.banner button{background:var(--gold);border:none;padding:8px 14px;border-radius:4px;font-weight:700;cursor:pointer;}
.hero-img, .section-img{border-radius:8px;border:1px solid #E5E9F0;}
@media(max-width:980px){
  .hero-grid, .split, .card-grid, .footer-grid{grid-template-columns:1fr;}
  .nav{display:none;}
  .burger{display:block;}
  #nav-toggle:checked ~ .mobile-menu{display:flex;flex-direction:column;position:fixed;inset:0;background:var(--navy);padding:60px 24px;}
}
@media(max-width:600px){
  .hero{padding:60px 0;}
  .section{padding:40px 0;}
}