:root{
  --bg:#f4f7fa;
  --paper:#fff;
  --ink:#153452;
  --muted:#60788d;
  --blue:#175a93;
  --gold:#e7b44e;
  --line:#dce5ed;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.85 Arial,sans-serif}
a{text-decoration:none;color:inherit}
.wrap{max-width:1150px;margin:auto;padding:0 25px}
header{background:white;border-bottom:1px solid var(--line)}
nav{min-height:88px;display:flex;align-items:center;
  justify-content:space-between;gap:20px}
.logo{font-size:26px;font-weight:800}
.logo span{color:var(--blue)}
.menu{display:flex;gap:24px;flex-wrap:wrap}
.menu a{font-size:14px;font-weight:700}
.menu a:hover{color:var(--blue)}
.hero{padding:110px 0;color:white;
  background:radial-gradient(circle at 85% 15%,#3b85bb,transparent 40%),
  linear-gradient(120deg,#10375c,#155887)}
.kicker{font-size:12px;font-weight:800;letter-spacing:3px;
  text-transform:uppercase;color:var(--blue)}
.hero .kicker{color:var(--gold)}
h1,h2,h3{line-height:1.2}
h1{font-size:clamp(42px,7vw,74px);max-width:850px}
h2{font-size:clamp(30px,4vw,42px)}
h3{font-size:24px}
p{color:var(--muted)}
.lead{font-size:21px;max-width:750px;color:#e3eff7}
.button{display:inline-block;padding:14px 28px;
  background:var(--gold);color:var(--ink);
  border-radius:8px;font-weight:800;margin-top:20px}
section{padding:75px 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);
  gap:23px;margin-top:35px}
.card{display:block;background:var(--paper);
  border:1px solid var(--line);border-radius:13px;
  padding:32px;transition:.2s}
.card:hover{transform:translateY(-4px);border-color:var(--blue)}
.card small{font-size:12px;font-weight:800;
  color:var(--blue);letter-spacing:1px;text-transform:uppercase}
.card p{font-size:15px}
.article{max-width:850px;margin:75px auto;
  padding:0 25px;min-height:55vh}
.article h1{font-size:clamp(37px,6vw,57px)}
.article h2{font-size:29px;margin-top:38px}
.article p{font-size:17px;line-height:2}
.feature{background:#e1edf5;padding:42px;
  border-left:5px solid var(--gold);border-radius:10px}
footer{background:#103452;color:white;padding:45px 0}
footer p{color:#b9d1e2}
@media(max-width:900px){
  .grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:650px){
  nav{flex-direction:column;align-items:flex-start;padding:20px 0}
  .menu{gap:13px}
  .grid{grid-template-columns:1fr}
  .hero{padding:65px 0}
  section{padding:48px 0}
  .feature{padding:25px}
}