body{font-family:Arial,sans-serif;margin:0;background:#f4f8fb;color:#1d2b38}
header{background:#0b2740;color:#fff;padding:18px 24px;position:sticky;top:0}
nav a{color:#fff;text-decoration:none;margin-right:18px}
.hero{padding:70px 20px;background:linear-gradient(135deg,#0b2740,#1769aa);color:#fff}
.wrap{max-width:1100px;margin:auto}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;padding:24px;border-radius:12px;box-shadow:0 2px 10px rgba(0,0,0,.08)}
footer{background:#0b2740;color:#fff;text-align:center;padding:24px;margin-top:40px}