* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: 'Montserrat', sans-serif;
}

body {
  color: #333;
}

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

.header {
  background: #0a3d62;
  padding: 20px 0;
}

.header a, .logo {
  color: #fff;
  text-decoration: none;
  margin-right: 15px;
}

.hero {
  background: #eaf2f8;
  padding: 80px 0;
  text-align: center;
}

.section {
  padding: 60px 0;
}

.gray {
  background: #f4f6f8;
}

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin-top: 30px;
}

.card {
  background: white;
  padding: 30px;
  text-align: center;
  border-radius: 8px;
}

.btn, button {
  background: #0a3d62;
  color: white;
  padding: 12px 25px;
  border: none;
  border-radius: 6px;
  text-decoration: none;
  cursor: pointer;
}

form {
  display: grid;
  gap: 15px;
}

input, textarea {
  padding: 12px;
  border-radius: 6px;
  border: 1px solid #ccc;
}

.footer {
  background: #0a3d62;
  color: white;
  text-align: center;
  padding: 20px;
}