*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,Segoe UI,Helvetica,Arial,sans-serif;color:#222;line-height:1.6;background:#f6f7f9}
a{color:#1f5f8b}
header{background:#1f3a4d;color:#fff}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;padding:16px 20px}
header .brand{font-size:1.3rem;font-weight:700}
header .brand small{display:block;font-size:.8rem;font-weight:400;opacity:.85}
nav a{color:#fff;text-decoration:none;margin-left:18px}
nav a:hover{text-decoration:underline}
.hero{background:#2c5870;color:#fff;padding:56px 0}
.hero h1{margin:0 0 10px;font-size:2rem}
.hero p{max-width:640px;margin:0}
section{padding:36px 0}
section.alt{background:#fff}
h2{color:#1f3a4d;margin-top:0}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.card{background:#fff;border:1px solid #dde2e7;border-radius:8px;padding:18px}
section.alt .card{background:#f6f7f9}
.card h3{margin-top:0;color:#1f3a4d}
footer{background:#1f3a4d;color:#dfe7ec;padding:24px 0;font-size:.9rem}
footer a{color:#fff}
.legal{padding:36px 0}
.legal .wrap{background:#fff;padding:28px 24px;border-radius:8px;border:1px solid #dde2e7}
@media(max-width:600px){nav a{margin:0 14px 0 0}header .wrap{display:block}nav{margin-top:8px}.hero h1{font-size:1.6rem}}