:root {
  --primary: #0f3d57;
  --secondary: #1f6f8b;
  --accent: #f4b942;
  --light: #f7f9fb;
  --dark: #1e1e1e;
  --muted: #666;
  --white: #ffffff;
  --border: #e4e8ec;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--dark);
  line-height: 1.6;
  background: var(--white);
}

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

header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.container {
  width: min(1180px, 92%);
  margin: 0 auto;
}

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

.logo {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
}

.logo span { color: var(--secondary); }

.nav-links {
  display: flex;
  gap: 22px;
  font-size: 0.95rem;
  align-items: center;
}

.btn {
  display: inline-block;
  background: var(--accent);
  color: var(--dark);
  padding: 12px 20px;
  border-radius: 8px;
  font-weight: 700;
}

.btn-secondary {
  background: var(--primary);
  color: var(--white);
}

.hero, .page-hero {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: var(--white);
  padding: 85px 0;
}

.hero-grid, .split {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 50px;
  align-items: center;
}

.hero h1, .page-hero h1 {
  font-size: clamp(2.4rem, 5vw, 4.5rem);
  line-height: 1.05;
  margin-bottom: 24px;
}

.hero p, .page-hero p {
  font-size: 1.15rem;
  max-width: 760px;
  margin-bottom: 28px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-card, .card {
  background: var(--white);
  color: var(--dark);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 28px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.04);
}

.hero-card {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  color: var(--white);
}

.hero-card h3 { color: var(--accent); }

section { padding: 70px 0; }

.section-title {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 42px;
}

.section-title h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--primary);
  margin-bottom: 12px;
}

.section-title p, .card p { color: var(--muted); }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.card h3 {
  color: var(--primary);
  margin-bottom: 10px;
  font-size: 1.25rem;
}

.light { background: var(--light); }

.list {
  margin-top: 18px;
  display: grid;
  gap: 10px;
}

.list div {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 12px 14px;
  border-radius: 10px;
}

.cta {
  background: var(--primary);
  color: var(--white);
  text-align: center;
}

.cta h2 {
  font-size: 2.4rem;
  margin-bottom: 12px;
}

.cta p {
  max-width: 680px;
  margin: 0 auto 28px;
  font-size: 1.1rem;
}

.business {
  background: #102f43;
  color: var(--white);
  padding: 42px;
  border-radius: 18px;
  text-align: center;
}

footer {
  background: var(--dark);
  color: var(--white);
  padding: 40px 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 30px;
}

footer h4 {
  margin-bottom: 10px;
  color: var(--accent);
}

footer p, footer a {
  color: #ddd;
  font-size: 0.95rem;
}

@media (max-width: 850px) {
  .hero-grid, .split, .footer-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr; }
  .nav-links { display: none; }
}