* { box-sizing: border-box; }

body {
    margin: 0;
    font-family: Arial, sans-serif;
    color: #25344a;
    line-height: 1.7;
}

.container {
    width: 92%;
    max-width: 1100px;
    margin: auto;
}

header, footer {
    background: #101d35;
    color: white;
    padding: 22px 0;
}

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

.logo {
    color: white;
    font-weight: bold;
    font-size: 22px;
    text-decoration: none;
}

.logo span { color: #18c6c8; }

header a:not(.logo), footer a {
    color: white;
    margin-right: 15px;
}

.hero {
    background: linear-gradient(125deg, #101d35, #245486);
    color: white;
    padding: 100px 0;
}

.hero h1 {
    font-size: clamp(36px, 5vw, 58px);
    line-height: 1.15;
    max-width: 850px;
}

.hero p {
    font-size: 19px;
    color: #d5e0ef;
    max-width: 720px;
    margin-bottom: 30px;
}

.eyebrow {
    color: #18c6c8;
    text-transform: uppercase;
    letter-spacing: 2px;
    font-weight: bold;
}

.button, button {
    display: inline-block;
    border: 0;
    border-radius: 8px;
    padding: 14px 24px;
    background: #18c6c8;
    color: #10243b;
    font-weight: bold;
    cursor: pointer;
    text-decoration: none;
}

.section { padding: 75px 0; }
.light { background: #f3f7fc; }

.grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.card {
    padding: 25px;
    border-radius: 14px;
    background: white;
    border: 1px solid #e5ebf3;
    margin-bottom: 20px;
}

.cta {
    text-align: center;
    background: #172d4c;
    color: white;
    border-radius: 18px;
    padding: 55px 25px;
}

.notice { color: #ffd28b; }
.small { font-size: 13px; color: #c7d5e6; }

details {
    background: white;
    padding: 20px;
    margin: 12px 0;
    border-radius: 9px;
}

summary { cursor: pointer; font-weight: bold; }

footer { margin-top: 30px; }

@media(max-width: 700px) {
    .grid { grid-template-columns: 1fr; }
    .nav { flex-direction: column; }
    .hero { padding: 65px 0; }
}