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

body {
  font-family: Arial, Helvetica, sans-serif;
  color: #222;
  line-height: 1.6;
}

.site-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 40px;
  background: #fff;
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
}
.logo { font-weight: bold; font-size: 1.3rem; color: #0b3d91; }
.site-header nav a {
  margin-left: 24px;
  text-decoration: none;
  color: #222;
}

.hero {
  background: #0b3d91;
  color: #fff;
  text-align: center;
  padding: 100px 20px;
}
.hero h1 { font-size: 2.5rem; margin-bottom: 16px; }
.hero p { font-size: 1.2rem; margin-bottom: 28px; }

.button {
  display: inline-block;
  background: #f5a623;
  color: #222;
  padding: 12px 28px;
  text-decoration: none;
  border-radius: 4px;
  font-weight: bold;
}

.section { padding: 60px 40px; max-width: 1000px; margin: 0 auto; }
.section.light { background: #f5f7fa; max-width: none; }
.section h2 { margin-bottom: 20px; color: #0b3d91; }

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  max-width: 1000px;
  margin: 0 auto;
}
.card {
  background: #fff;
  padding: 24px;
  border-radius: 6px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
}
.card h3 { margin-bottom: 10px; }

.site-footer {
  background: #222;
  color: #ccc;
  text-align: center;
  padding: 30px 20px;
  font-size: 0.9rem;
}
.disclaimer { margin-top: 12px; font-size: 0.8rem; opacity: 0.8; }

@media (max-width: 600px) {
  .site-header { flex-direction: column; gap: 10px; }
  .hero h1 { font-size: 1.8rem; }
  .section { padding: 40px 20px; }
}