*{
  margin:0;
  padding:0;
  box-sizing:border-box;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;
}

body{
  background:#f5f7fb;
  color:#222;
  line-height:1.7;
}

header{
  background:#ffffff;
  padding:14px 18px;
  box-shadow:0 2px 10px rgba(0,0,0,.1);
  position:sticky;
  top:0;
  z-index:1000;
}

nav{
  display:flex;
  justify-content:space-between;
  align-items:center;
  flex-wrap:wrap;
}

nav h2{
  font-size:20px;
  color:#0b3c5d;
}

nav a{
  margin-left:15px;
  text-decoration:none;
  color:#333;
  font-weight:600;
  font-size:15px;
}

.hero{
  min-height:90vh;
  background:linear-gradient(135deg,#0b3c5d,#1a6aa3);
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding:40px 20px;
}

.hero h1{
  font-size:40px;
}

.hero p{
  font-size:18px;
  margin:18px 0;
}

.btn{
  display:inline-block;
  padding:14px 26px;
  background:#ffffff;
  color:#0b3c5d;
  border-radius:30px;
  text-decoration:none;
  font-weight:700;
}

.container{
  max-width:1100px;
  margin:auto;
  padding:60px 20px;
}

.cards{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
  gap:25px;
}

.card{
  background:#fff;
  padding:25px;
  border-radius:14px;
  box-shadow:0 5px 20px rgba(0,0,0,.08);
}

.disclaimer{
  background:#fff3f3;
  border-left:6px solid #d40000;
  padding:20px;
  margin-top:40px;
  border-radius:8px;
  font-size:15px;
}

footer{
  background:#0b3c5d;
  color:#fff;
  padding:30px 20px;
  text-align:center;
}

footer a{
  color:#fff;
  text-decoration:none;
  margin:0 10px;
  font-size:14px;
}

@media(max-width:768px){
  .hero h1{font-size:30px;}
  .hero p{font-size:16px;}
}

@media(max-width:480px){
  nav{justify-content:center;}
  nav a{margin:6px;}
  .hero h1{font-size:26px;}
}