:root {
  --red: #B31942;
  --blue: #0A3161;
  --navy: #0B2A4A;
  --light: #F7F9FC;
  --white: #FFFFFF;
  --text: #1a1a1a;
}
* { box-sizing: border-box; }
html, body {
  margin: 0; padding: 0; font-family: 'Open Sans', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--text); background: var(--light);
}
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 1rem; }
.header {
  background: var(--white);
  border-bottom: 3px solid var(--red);
  position: sticky; top: 0; z-index: 100;
}
.nav { display: flex; align-items: center; justify-content: space-between; padding: .75rem 0; gap: 1rem; }
.brand { display: flex; align-items: center; gap: .75rem; font-weight: 800; letter-spacing: .5px; color: var(--navy); }
.brand img { height: 42px; width: auto; border-radius: .4rem; }
.nav a.btn { background: var(--red); color: var(--white); padding: .6rem .9rem; border-radius: .5rem; font-weight: 700; }
.nav a.btn:hover { filter: brightness(0.95); }
.hero {
  background: linear-gradient(180deg, rgba(10,49,97,.07), rgba(10,49,97,.02));
  padding: 3rem 0 2.25rem;
  border-bottom: 1px solid #e8edf4;
}
.hero h1 { font-size: clamp(2rem, 3.5vw, 3rem); margin: 0 0 .5rem; color: var(--navy); }
.hero p.lead { font-size: clamp(1.05rem, 1.8vw, 1.25rem); max-width: 760px; }
.cta-row { display: flex; gap: .75rem; flex-wrap: wrap; margin-top: 1rem; }
.btn-primary { background: var(--blue); color: var(--white); padding: .8rem 1rem; border-radius: .6rem; font-weight: 700; }
.btn-outline { border: 2px solid var(--blue); color: var(--blue); padding: .68rem 1rem; border-radius: .6rem; font-weight: 700; background: transparent; }
.section { padding: 2rem 0; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1rem; }
.card { background: var(--white); border: 1px solid #e6eaf2; border-radius: .9rem; padding: 1rem; }
.card h3 { margin-top: 0; color: var(--navy); }
.badge { display: inline-block; background: var(--red); color: var(--white); padding: .25rem .5rem; border-radius: .4rem; font-size: .8rem; font-weight: 700; }
.footer {
  background: var(--navy); color: var(--white); padding: 2rem 0; margin-top: 2rem;
}
.footer a { color: var(--white); opacity: .95; }
.footer .links { display: flex; gap: 1rem; flex-wrap: wrap; }
.footer small { opacity: .75; }
main p { line-height: 1.65; }
ul.checks { list-style: none; padding-left: 0; }
ul.checks li::before { content: "✔"; color: var(--red); margin-right: .5rem; }
@media (max-width: 640px) {
  .nav { flex-direction: column; align-items: flex-start; }
}