*{box-sizing:border-box}body{margin:0;font-family:Segoe UI,Arial,sans-serif;color:#333}
header{position:sticky;top:0;background:#0f4c81;color:#fff;padding:14px 5%}nav{display:flex;justify-content:space-between;align-items:center}nav a{color:#fff;text-decoration:none;margin-left:18px}
.hero{background:linear-gradient(rgba(15,76,129,.75),rgba(10,125,59,.75)),url('https://images.unsplash.com/photo-1500530855697-b586d89ba3ee') center/cover;min-height:70vh;color:#fff;display:flex;align-items:center}
.wrap{max-width:1100px;margin:auto;padding:60px 20px}.btn{display:inline-block;background:#d4af37;color:#000;padding:12px 22px;border-radius:30px;text-decoration:none;font-weight:bold}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}.card{padding:20px;border-radius:12px;box-shadow:0 8px 24px rgba(0,0,0,.1)}footer{background:#0f4c81;color:#fff;padding:25px;text-align:center}
section{padding:50px 20px}.cta{text-align:center;background:#eef7ff}