* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: #132033;
  background: #f5f7fa;
  line-height: 1.55;
}
a { color: #0b5cab; }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 22px; }
header { background: #0b315f; color: white; }
nav { display: flex; justify-content: space-between; align-items: center; padding: 18px 0; gap: 18px; }
nav a { color: white; text-decoration: none; font-weight: 700; margin-left: 16px; }
.brand { font-weight: 800; letter-spacing: .01em; }
.hero { padding: 58px 0 70px; display: grid; grid-template-columns: 1.1fr .9fr; gap: 34px; align-items: center; }
h1 { font-size: clamp(38px, 6vw, 68px); line-height: .98; margin: 0 0 18px; letter-spacing: 0; }
.hero p { font-size: 20px; color: #dce9f8; margin: 0 0 24px; max-width: 680px; }
.hero-card, .panel { background: white; color: #132033; border-radius: 8px; padding: 22px; box-shadow: 0 18px 42px rgba(5, 22, 44, .18); }
.hero-card ul, .panel ul { margin: 0; padding-left: 20px; }
.hero-card li, .panel li { margin: 10px 0; }
.badge { display: inline-flex; gap: 8px; align-items: center; background: #e8f5ee; color: #11633d; border-radius: 999px; padding: 6px 12px; font-weight: 800; font-size: 13px; }
.cta { display: inline-block; background: #15945b; color: white; text-decoration: none; border-radius: 8px; padding: 12px 16px; font-weight: 800; }
.cta.secondary { margin-left: 10px; background: rgba(255, 255, 255, .16); border: 1px solid rgba(255, 255, 255, .34); }
main { padding: 42px 0; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 20px 0 34px; }
.panel { box-shadow: none; border: 1px solid #dde5ef; }
.panel h2, .panel h3 { margin-top: 0; }
.muted { color: #5f6f82; }
.notice { border-left: 4px solid #15945b; background: #eef8f3; color: #264434; border-radius: 8px; padding: 14px 16px; }
footer { border-top: 1px solid #dde5ef; padding: 28px 0; color: #5f6f82; }
@media (max-width: 780px) {
  .hero, .grid { grid-template-columns: 1fr; }
  nav { align-items: flex-start; flex-direction: column; }
  nav a { margin: 0 14px 0 0; }
}