* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: Arial, sans-serif;
  line-height: 1.6;
  color: #162033;
  background: #f6f8fc;
}

.container {
  width: 90%;
  max-width: 1100px;
  margin: auto;
}

.header {
  background: #0f172a;
  color: #ffffff;
  padding: 18px 0;
}

.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}

.logo {
  font-size: 22px;
  font-weight: bold;
  letter-spacing: 1px;
}

nav a {
  color: #ffffff;
  text-decoration: none;
  margin-left: 20px;
  font-weight: 600;
}

nav a:hover {
  text-decoration: underline;
}

.hero {
  background: linear-gradient(135deg, #172554, #2563eb);
  color: #ffffff;
  padding: 90px 0;
  text-align: center;
}

.hero h1 {
  font-size: 42px;
  margin-bottom: 15px;
}

.hero p {
  font-size: 19px;
  max-width: 700px;
  margin: 0 auto 28px;
}

.btn {
  display: inline-block;
  background: #ffffff;
  color: #1d4ed8;
  padding: 12px 24px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: bold;
}

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 22px;
  padding: 55px 0;
}

.card {
  background: #ffffff;
  padding: 28px;
  border-radius: 16px;
  box-shadow: 0 8px 25px rgba(15, 23, 42, 0.08);
}

.card h2,
.policy h2 {
  margin-bottom: 12px;
  color: #1d4ed8;
}

.policy {
  background: #ffffff;
  margin-top: 35px;
  margin-bottom: 35px;
  padding: 35px;
  border-radius: 16px;
  box-shadow: 0 8px 25px rgba(15, 23, 42, 0.08);
}

.policy h1 {
  margin-bottom: 15px;
  color: #0f172a;
}

.policy p {
  margin-bottom: 18px;
}

footer {
  background: #0f172a;
  color: #ffffff;
  text-align: center;
  padding: 22px 0;
}

@media (max-width: 650px) {
  .nav {
    flex-direction: column;
  }

  nav a {
    margin: 0 8px;
  }

  .hero h1 {
    font-size: 32px;
  }
}