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

:root {
    --navy: #0a2540;
    --navy-light: #13315c;
    --teal: #00b4d8;
    --teal-dark: #0096c7;
    --light: #f8f9fa;
    --gray: #6c757d;
    --white: #ffffff;
    --shadow: 0 10px 30px rgba(10, 37, 64, 0.1);
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    line-height: 1.7;
    color: var(--navy);
    background: var(--light);
}

.container {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 20px;
}

header {
    background: var(--navy);
    color: var(--white);
    padding: 1rem 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
}

header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: -0.5px;
}

nav a {
    color: var(--white);
    text-decoration: none;
    margin-left: 1.5rem;
    font-weight: 500;
    transition: color 0.3s;
}

nav a:hover {
    color: var(--teal);
}

.hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    color: var(--white);
    padding: 6rem 0 4rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('https://images.unsplash.com/photo-1562774053-701939374585?ixlib=rb-4.0.3&auto=format&fit=crop&w=1920&q=80') center/cover;
    opacity: 0.15;
}

.hero-content {
    position: relative;
    z-index: 1;
}

.hero h1 {
    font-size: 2.8rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.hero p {
    font-size: 1.25rem;
    max-width: 700px;
    margin: 0 auto 2rem;
    opacity: 0.95;
}

.btn {
    display: inline-block;
    background: var(--teal);
    color: var(--white);
    padding: 0.85rem 2rem;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s;
}

.btn:hover {
    background: var(--teal-dark);
    transform: translateY(-2px);
}

.disclaimer {
    background: #fff3cd;
    color: #856404;
    padding: 1rem;
    text-align: center;
    font-size: 0.9rem;
    border-bottom: 1px solid #ffeeba;
}

section {
    padding: 4.5rem 0;
}

section h2 {
    font-size: 2.2rem;
    margin-bottom: 1.5rem;
    text-align: center;
    color: var(--navy);
}

.cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.card {
    background: var(--white);
    padding: 2rem;
    border-radius: 12px;
    box-shadow: var(--shadow);
    transition: transform 0.3s, box-shadow 0.3s;
}

.card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 40px rgba(10, 37, 64, 0.15);
}

.card h3 {
    margin-bottom: 1rem;
    color: var(--navy);
}

.img-section {
    margin: 2rem 0;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow);
}

.img-section img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    display: block;
}

.faq-item {
    background: var(--white);
    margin-bottom: 1rem;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
}

.faq-item h3 {
    padding: 1.2rem 1.5rem;
    background: var(--navy-light);
    color: var(--white);
    cursor: pointer;
    margin: 0;
}

.faq-item p {
    padding: 1.2rem 1.5rem;
    display: none;
}

.faq-item.active p {
    display: block;
}

footer {
    background: var(--navy);
    color: var(--white);
    padding: 3rem 0 1.5rem;
    text-align: center;
}

footer a {
    color: var(--teal);
    text-decoration: none;
}

footer .links {
    margin: 1rem 0;
}

.fade-in {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

@media (max-width: 768px) {
    .hero h1 { font-size: 2rem; }
    nav a { margin-left: 0.8rem; font-size: 0.9rem; }
    header .container { flex-direction: column; gap: 1rem; }
}