html, body {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
  box-sizing: border-box;

}

body {
  font-family: Arial, Helvetica, sans-serif;
  color: #2b3440;
  line-height: 1.6;
  background: #ffffff;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  max-width: 1180px;
  margin: auto;
  padding: 0 20px;
}

header {
  background: #ffffff;
  border-bottom: 1px solid #e7ebf0;
  position: sticky;
  top: 0;
  z-index: 10;
}

.topbar {
  background: #0f4c81;
  color: #ffffff;
  padding: 8px 0;
  font-size: 14px;
}

.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  gap: 20px;
}

.nav ul {
  display: flex;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}

.hero {
  background: linear-gradient(rgba(18,32,51,.8), rgba(18,32,51,.8)), url('images/hero.jpg') center/cover;
  color: #ffffff;
  padding: 90px 0;
}

.hero h1 {
  font-size: 42px;
  margin: 0 0 14px;
}

.hero p {
  max-width: 720px;
  font-size: 18px;
}

.btn {
  display: inline-block;
  background: #0f4c81;
  color: #ffffff;
  padding: 12px 22px;
  border-radius: 8px;
  margin-top: 18px;
}

.section {
  padding: 70px 0;
}

.alt {
  background: #f6f8fb;
}

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 22px;
}

.card {
  background: #ffffff;
  border: 1px solid #e7ebf0;
  border-radius: 14px;
  padding: 22px;
}

.card h3 {
  margin-top: 0;
  color: #122033;
}

footer {
  background: #122033;
  color: #ffffff;
  padding: 30px 0;
  margin-top: 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.badge {
  display: inline-block;
  background: #e8f1fb;
  color: #0f4c81;
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 13px;
  margin-bottom: 12px;
}

@media (max-width: 700px) {
  .hero h1 {
    font-size: 32px;
  }

  .nav {
    flex-direction: column;
    align-items: flex-start;
  }
}