:root {
  --navy: #101c30;
  --ink: #1e2a3a;
  --muted: #5b6b7f;
  --accent: #4f7cff;
  --accent-soft: #eef3ff;
  --line: #e6ebf2;
  --bg: #ffffff;
  --bg-soft: #f7f9fc;
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: 960px; margin: 0 auto; padding: 0 24px; }

/* Nav */
.nav {
  border-bottom: 1px solid var(--line);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}
.nav .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.brand { font-weight: 700; font-size: 1.1rem; color: var(--navy); }
.brand:hover { text-decoration: none; }
.nav-links a { margin-left: 24px; color: var(--muted); font-size: 0.95rem; }
.nav-links a:hover { color: var(--navy); text-decoration: none; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1b2f52 100%);
  color: #fff;
  padding: 96px 0 88px;
}
.hero h1 { font-size: 2.6rem; line-height: 1.2; letter-spacing: -0.5px; margin-bottom: 16px; }
.hero p { color: #b9c6da; font-size: 1.15rem; max-width: 620px; }
.hero .badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: #dbe4f3;
  font-size: 0.8rem;
  padding: 4px 12px;
  border-radius: 999px;
  margin-bottom: 20px;
  letter-spacing: 0.5px;
}

/* Sections */
.section { padding: 72px 0; }
.section.soft { background: var(--bg-soft); }
.section h2 { font-size: 1.7rem; color: var(--navy); margin-bottom: 12px; letter-spacing: -0.3px; }
.section .lead { color: var(--muted); max-width: 680px; margin-bottom: 8px; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; margin-top: 32px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 28px 24px;
}
.card h3 { font-size: 1.1rem; color: var(--navy); margin-bottom: 8px; }
.card p { color: var(--muted); font-size: 0.95rem; }

.contact-box {
  background: var(--accent-soft);
  border: 1px solid #dbe6ff;
  border-radius: 12px;
  padding: 36px 32px;
  margin-top: 28px;
  text-align: center;
}
.contact-box p { color: var(--muted); margin-bottom: 16px; }
.btn {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-weight: 600;
  padding: 12px 32px;
  border-radius: 8px;
  font-size: 1rem;
}
.btn:hover { background: #3d6bf0; color: #fff; text-decoration: none; }

/* Footer */
footer { border-top: 1px solid var(--line); padding: 32px 0; color: var(--muted); font-size: 0.9rem; }
footer .wrap { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
footer a { color: var(--muted); margin-left: 20px; }
footer a:hover { color: var(--navy); }

/* Legal pages */
.legal { padding: 56px 0 72px; }
.legal h1 { color: var(--navy); font-size: 2rem; margin-bottom: 8px; }
.legal .updated { color: var(--muted); font-size: 0.9rem; margin-bottom: 32px; }
.legal h2 { color: var(--navy); font-size: 1.25rem; margin: 32px 0 8px; }
.legal p, .legal li { color: var(--ink); margin-bottom: 12px; }
.legal ul { padding-left: 24px; }

@media (max-width: 640px) {
  .hero { padding: 64px 0 56px; }
  .hero h1 { font-size: 2rem; }
  .nav-links a { margin-left: 16px; }
  .section { padding: 52px 0; }
}