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

body {
  font-family: 'Segoe UI', Arial, sans-serif;
  color: #1a1a1a;
  line-height: 1.6;
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 40px;
}

/* HEADER */
header {
  background: #0a1628;
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 18px;
  padding-bottom: 18px;
}

.header-brand {
  display: flex;
  align-items: center;
  gap: 14px;
}

.header-logo {
  height: 52px;
  width: auto;
}

.header-name {
  color: #fff;
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  white-space: nowrap;
}

.header-tagline {
  color: #aab4c4;
  font-size: 0.8rem;
  letter-spacing: 0.5px;
  margin-top: 2px;
}

.header-stripe {
  height: 4px;
  background: #1e6fba;
}

nav {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-shrink: 0;
}

nav a {
  color: #aab4c4;
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s;
}

nav a:hover {
  color: #fff;
}

.nav-cta {
  background: #1e6fba;
  color: #fff !important;
  padding: 8px 18px;
  border-radius: 3px;
  font-weight: 600;
  font-size: 0.85rem !important;
}

.nav-cta:hover {
  background: #1558a0;
}

/* HERO */
.hero {
  background: #0a1628;
  color: #fff;
  padding: 72px 0 68px;
  text-align: center;
}

.hero h1 {
  font-size: 2.6rem;
  font-weight: 800;
  margin-bottom: 18px;
  line-height: 1.15;
}

.hero p {
  font-size: 1.15rem;
  color: #aab4c4;
  max-width: 780px;
  margin: 0 auto;
}

/* SERVICES */
.services {
  padding: 64px 0;
  background: #fff;
}

.services h2,
.how-it-works h2,
.why-us h2 {
  font-size: 1.6rem;
  font-weight: 700;
  margin-bottom: 36px;
  color: #0a1628;
  border-bottom: 2px solid #1e6fba;
  padding-bottom: 10px;
  display: inline-block;
}

.cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

@media (max-width: 640px) {
  .cards { grid-template-columns: 1fr; }
  .hero h1 { font-size: 1.8rem; }
  nav { gap: 14px; }
  .header-name { font-size: 0.85rem; }
}

.card {
  border: 1px solid #dde3ed;
  border-top: 3px solid #1e6fba;
  border-radius: 3px;
  padding: 28px;
}

.card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: #0a1628;
}

.card p {
  color: #444;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* HOW IT WORKS */
.how-it-works {
  padding: 64px 0;
  background: #f5f7fa;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

@media (max-width: 700px) {
  .steps { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 440px) {
  .steps { grid-template-columns: 1fr; }
}

.step {
  text-align: center;
  padding: 20px 12px;
}

.step-num {
  width: 46px;
  height: 46px;
  background: #0a1628;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 700;
  margin: 0 auto 14px;
}

.step h4 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: #0a1628;
}

.step p {
  font-size: 0.88rem;
  color: #555;
}

/* WHY US */
.why-us {
  padding: 64px 0;
  background: #fff;
}

.why-list {
  list-style: none;
  padding: 0;
}

.why-list li {
  padding: 10px 0 10px 30px;
  position: relative;
  font-size: 1rem;
  color: #333;
  border-bottom: 1px solid #eee;
}

.why-list li:last-child {
  border-bottom: none;
}

.why-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #1e6fba;
  font-weight: 700;
  font-size: 1.1rem;
}

/* CTA BOX */
.cta-box {
  background: #f5f7fa;
  padding: 48px 0;
}

.cta-inner {
  background: #f5e8c8;
  border: 1px solid #e0c87a;
  border-radius: 4px;
  padding: 32px 40px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.cta-inner strong {
  font-size: 1.4rem;
  font-weight: 800;
  color: #0a1628;
}

.cta-inner span {
  font-size: 1.15rem;
  color: #333;
  margin-bottom: 8px;
}

.btn {
  display: inline-block;
  background: #1e6fba;
  color: #fff;
  padding: 12px 28px;
  border-radius: 3px;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  margin-top: 8px;
  transition: background 0.2s;
}

.btn:hover {
  background: #1558a0;
}

/* FOOTER */
footer {
  background: #0a1628;
  color: #fff;
  padding: 36px 0 28px;
  text-align: center;
}

.footer-heading {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.footer-contact {
  display: flex;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
  margin-bottom: 20px;
  font-size: 0.95rem;
  color: #aab4c4;
}

.footer-contact a {
  color: #5ba3e0;
  text-decoration: none;
}

.footer-contact a:hover {
  text-decoration: underline;
}

.footer-sub {
  font-size: 0.8rem;
  color: #5a6a7d;
}

/* VALUE PROP CALLOUT */
.value-prop {
  background: #1e6fba;
  padding: 28px 0;
}

.value-prop-inner {
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
  color: white;
  font-size: 1.15rem;
  line-height: 1.7;
}

.value-prop-inner strong {
  color: #fff;
  font-size: 1.2rem;
}

/* NAV DROPDOWN */
.nav-dropdown { position: relative; display: inline-block; }
.nav-dropdown-trigger { cursor: pointer; }
.nav-dropdown-trigger::after { content: " \25BE"; font-size: 0.75em; }
.nav-dropdown-menu { display: none; position: absolute; top: calc(100% + 10px); left: 0; background: #0a1628; min-width: 230px; box-shadow: 0 6px 20px rgba(0,0,0,0.3); border-top: 3px solid #1e6fba; z-index: 200; border-radius: 0 0 4px 4px; }
.nav-dropdown:hover .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a { display: block; padding: 10px 18px; color: #aab4c4; font-size: 0.88rem; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,0.06); }
.nav-dropdown-menu a:last-child { border-bottom: none; }
.nav-dropdown-menu a:hover { color: #fff; background: rgba(30,111,186,0.2); }