/* Basic Reset */
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Open Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;line-height:1.6;color:#222}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;color:#02398B;line-height:1.2;margin-bottom:.5rem}
a{text-decoration:none;color:#02398B}
.container{max-width:1100px;margin:0 auto;padding:0 16px}
.small{font-size:.9rem;color:#666}

/* Topbar */
.topbar{position:sticky;top:0;background:#fff;border-bottom:1px solid #eee;z-index:10}
.topbar .container{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo img{height:55px}
#nav a{margin:0 12px;font-weight:600}
#nav .btn{padding:10px 14px;background:#02398B;color:#fff;border-radius:6px}
.menu{display:none;font-size:22px;background:transparent;border:0}
#nav.open{display:block}

/* Hero */
.hero{background:linear-gradient(180deg,#02398B 0%, #0b4fb8 100%);color:#fff;padding:64px 0}
.hero h1{font-size:2.2rem;color:#fff}
.hero p{margin-top:8px;opacity:.95}
.cta{margin-top:18px}
.btn{display:inline-block;padding:12px 18px;border-radius:8px;background:#349322;color:#fff;font-weight:700}
.btn-secondary{background:#fff;color:#02398B;border:2px solid #fff}
.trust{display:flex;gap:14px;margin-top:18px;flex-wrap:wrap}
.trust li{background:rgba(255,255,255,.15);padding:8px 12px;border-radius:999px}

/* Sections */
.features{padding:48px 0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.card{border:1px solid #eee;border-radius:12px;padding:18px;background:#fff}
.note{border-left:4px solid #349322;padding-left:16px}
.page{padding:48px 0}

/* CTA band */
.cta-band{background:#349322;color:#fff;text-align:center;padding:36px 16px}
.cta-band .btn{background:#fff;color:#02398B;border:0}

/* Footer */
.footer{background:#f8f9fb;padding:24px 0;margin-top:32px}
.footer h4{margin-bottom:8px}
.footer .grid-2 .right{text-align:right}

/* Form */
.form{display:grid;gap:12px;margin-top:12px}
.form input,.form textarea{width:100%;padding:12px;border:1px solid #ddd;border-radius:8px}
.form button{margin-top:6px}

/* Responsive */
@media (max-width:800px){
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  #nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;padding:12px 16px;border-bottom:1px solid #eee}
  #nav a{display:block;padding:8px 0}
  .menu{display:block}
  .footer .grid-2 .right{text-align:left;margin-top:12px}
}