:root {
  --navy: #0D1B3E;
  --navy-light: #1A2C5B;
  --gold: #F0C040;
  --gold-dark: #C9A84C;
  --white: #FFFFFF;
  --gray: #B8C5D6;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
body {
  font-family: 'Georgia', 'Times New Roman', serif;
  background: var(--navy);
  color: var(--white);
  line-height: 1.6;
}
a { text-decoration: none; color: inherit; }

/* NAV */
nav {
  background: var(--navy-light);
  padding: 20px 40px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 2px solid var(--gold);
}
.nav-logo {
  font-size: 24px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 1px;
}
.nav-links { display: flex; gap: 28px; font-size: 14px; }
.nav-links a { color: var(--gray); transition: .3s; }
.nav-links a:hover { color: var(--gold); }

/* HERO */
.hero {
  text-align: center;
  padding: 100px 24px 80px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}
.hero-icon { font-size: 64px; margin-bottom: 20px; }
.hero h1 {
  font-size: clamp(36px, 6vw, 54px);
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 16px;
  letter-spacing: 1px;
}
.hero p {
  font-size: 20px;
  color: var(--gray);
  max-width: 600px;
  margin: 0 auto 40px;
}
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  padding: 16px 48px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 16px;
  transition: .3s;
  font-family: 'Arial', sans-serif;
}
.btn:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
}

/* FEATURES */
.features {
  padding: 80px 24px;
  max-width: 1100px;
  margin: 0 auto;
}
.features h2 {
  text-align: center;
  font-size: 38px;
  color: var(--gold);
  margin-bottom: 60px;
  font-weight: 700;
}
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.feature-card {
  background: var(--navy-light);
  border: 2px solid var(--gold);
  border-radius: 12px;
  padding: 32px;
  transition: .3s;
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 30px rgba(240, 192, 64, 0.2);
}
.feature-icon {
  font-size: 40px;
  margin-bottom: 16px;
  display: block;
}
.feature-card h3 {
  font-size: 20px;
  color: var(--gold);
  margin-bottom: 12px;
  font-weight: 700;
}
.feature-card p {
  color: var(--gray);
  line-height: 1.7;
  font-size: 15px;
  font-family: 'Arial', sans-serif;
}

/* HOW IT WORKS */
.how-it-works {
  background: var(--navy-light);
  padding: 80px 24px;
}
.how-it-works h2 {
  text-align: center;
  font-size: 38px;
  color: var(--gold);
  margin-bottom: 60px;
  font-weight: 700;
}
.steps {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 40px;
}
.step {
  text-align: center;
}
.step-number {
  display: inline-block;
  width: 60px;
  height: 60px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  font-size: 28px;
  font-weight: 700;
  line-height: 60px;
  margin-bottom: 20px;
}
.step h3 {
  font-size: 20px;
  color: var(--gold);
  margin-bottom: 12px;
}
.step p {
  color: var(--gray);
  font-size: 15px;
  font-family: 'Arial', sans-serif;
}

/* FOOTER */
footer {
  background: var(--navy-light);
  border-top: 2px solid var(--gold);
  padding: 40px 24px;
  text-align: center;
  color: var(--gray);
  font-size: 14px;
}
footer .footer-links {
  display: flex;
  gap: 24px;
  justify-content: center;
  margin-bottom: 16px;
  flex-wrap: wrap;
}
footer .footer-links a {
  color: var(--gold);
  transition: .3s;
}
footer .footer-links a:hover {
  color: var(--white);
}

/* INNER PAGES */
.page-hero {
  padding: 60px 24px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  text-align: center;
  border-bottom: 2px solid var(--gold);
}
.page-hero h1 {
  font-size: 42px;
  font-weight: 700;
  color: var(--gold);
}

.content {
  max-width: 800px;
  margin: 60px auto;
  padding: 0 24px 80px;
}
.content h2 {
  font-size: 26px;
  font-weight: 700;
  color: var(--gold);
  margin: 40px 0 16px;
}
.content h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gold);
  margin: 28px 0 12px;
}
.content p, .content li {
  color: var(--gray);
  line-height: 1.8;
  font-size: 16px;
  margin-bottom: 14px;
  font-family: 'Arial', sans-serif;
}
.content ul {
  padding-left: 24px;
  margin: 16px 0;
}
.content a {
  color: var(--gold);
  text-decoration: underline;
}
.content a:hover {
  color: var(--white);
}

/* CONTACT FORM */
.contact-info {
  background: var(--navy-light);
  border: 2px solid var(--gold);
  border-radius: 12px;
  padding: 32px;
  margin-bottom: 40px;
}
.contact-info h2 {
  margin-top: 0;
}

.form-group {
  margin-bottom: 24px;
}
.form-group label {
  display: block;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 8px;
  font-size: 16px;
}
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--gold);
  border-radius: 8px;
  font-size: 15px;
  font-family: 'Arial', sans-serif;
  background: var(--navy-light);
  color: var(--white);
}
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--white);
}
.form-group textarea {
  height: 140px;
  resize: vertical;
}
.submit-btn {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 16px 48px;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: .3s;
}
.submit-btn:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
}

@media (max-width: 768px) {
  nav {
    flex-direction: column;
    gap: 16px;
    padding: 20px;
  }
  .nav-links {
    gap: 16px;
    font-size: 13px;
  }
  .hero {
    padding: 60px 20px 50px;
  }
  .features, .how-it-works {
    padding: 60px 20px;
  }
  .features h2, .how-it-works h2 {
    font-size: 32px;
  }
}