*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:Arial,Helvetica,sans-serif;
}

body{
background:#f4f7fb;
color:#333;
line-height:1.7;
}

.container{
width:90%;
max-width:1180px;
margin:auto;
}

header{
background:#05345a;
position:sticky;
top:0;
z-index:999;
box-shadow:0 2px 8px rgba(0,0,0,.15);
}

.nav{
display:flex;
justify-content:space-between;
align-items:center;
padding:18px 0;
}

.logo{
font-size:28px;
font-weight:700;
color:#fff;
}

nav a{
color:#fff;
text-decoration:none;
margin-left:24px;
font-weight:600;
transition:.3s;
}

nav a:hover,
nav a.active{
color:#FFD54F;
}

.hero{
height:500px;
background:linear-gradient(rgba(5,52,90,.78),rgba(5,52,90,.78)),
url("../img/hero.jpg") center/cover;
display:flex;
align-items:center;
justify-content:center;
text-align:center;
padding:20px;
}

.hero-content h1{
font-size:52px;
color:#fff;
margin-bottom:20px;
}

.hero-content p{
font-size:20px;
color:#fff;
max-width:850px;
margin:auto;
}

.page-header{
background:#0b5394;
color:#fff;
padding:70px 0;
text-align:center;
}

.page-header h1{
font-size:42px;
margin-bottom:12px;
}

.section{
padding:60px 0;
}

.card{
background:#fff;
padding:28px;
margin-bottom:24px;
border-radius:12px;
box-shadow:0 8px 20px rgba(0,0,0,.08);
border-left:6px solid #FFC107;
}

.card h2{
color:#05345a;
margin-bottom:14px;
}

.card ul{
padding-left:20px;
}

.legal-banner{
background:#8B0000;
color:#fff;
padding:24px 0;
font-size:17px;
line-height:1.8;
}

.legal-banner strong{
color:#FFD54F;
}

footer{
background:#05294d;
color:#fff;
text-align:center;
padding:28px 0;
margin-top:30px;
}

@media(max-width:768px){

.nav{
flex-direction:column;
}

nav{
margin-top:14px;
}

nav a{
display:block;
margin:10px 0;
}

.hero{
height:auto;
padding:90px 20px;
}

.hero-content h1{
font-size:34px;
}

.hero-content p{
font-size:18px;
}

.page-header h1{
font-size:30px;
}

}