:root{--primary:#123B70;--gold:#D5A746;--ink:#17253c;--light:#f3f7fb}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,sans-serif;color:var(--ink);line-height:1.65}
a{color:inherit;text-decoration:none}
header{background:white;position:sticky;top:0;z-index:10;box-shadow:0 2px 15px #0001}
.nav{max-width:1200px;margin:auto;padding:15px 5%;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-weight:800;color:var(--primary);font-size:21px}
.links{display:flex;flex-wrap:wrap;gap:14px;font-size:13px}
.links a:hover{color:var(--gold)}
.hero{min-height:510px;background:linear-gradient(90deg,#092345e8,#09234580),url('https://images.unsplash.com/photo-1509062522246-3755977927d7?auto=format&fit=crop&w=1600') center/cover;display:flex;align-items:center;color:white}
.wrap{max-width:1200px;margin:auto;padding:0 5%}
.hero h1{font-size:clamp(35px,5vw,65px);line-height:1.13;max-width:800px}
.hero p{font-size:19px;max-width:650px}
.btn{display:inline-block;background:var(--gold);color:#14213b;padding:13px 23px;border-radius:8px;font-weight:bold;margin:8px 8px 8px 0}
.btn.alt{background:white;color:var(--primary)}
section{padding:65px 0}
section:nth-of-type(even){background:var(--light)}
h2{font-size:clamp(26px,3vw,38px);color:var(--primary);margin:0 0 12px}
.lead{max-width:750px;color:#5d6a7a;margin-bottom:30px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:white;border-radius:14px;overflow:hidden;box-shadow:0 6px 25px #00000010}
.card img{width:100%;height:210px;object-fit:cover}
.card .content{padding:22px}
.card h3{margin:0 0 8px;color:var(--primary)}
.pill{display:inline-block;background:#e8eff8;border-radius:30px;padding:7px 14px;margin:5px;font-size:13px}
footer{background:#0c2442;color:white;padding:45px 5%}
footer a{text-decoration:underline}
form{display:grid;gap:13px;max-width:650px}
input,select,textarea{width:100%;padding:14px;border:1px solid #cbd5e1;border-radius:7px;font:inherit}
button{background:var(--primary);color:white;padding:14px;border:0;border-radius:7px;font-weight:bold;cursor:pointer}
.notice{background:#fff6df;padding:14px;border-radius:8px}
@media(max-width:800px){.nav{display:block}.links{margin-top:12px}.grid{grid-template-columns:1fr}.hero{min-height:440px}.hero h1{font-size:38px}}