body{margin:0;font-family:Arial,sans-serif;line-height:1.6}
header{background:#0A2E73;color:#fff;padding:15px 5%;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0}
header img{height:60px}
nav a{color:#fff;text-decoration:none;margin:0 12px}
.hero{padding:100px 5%;color:#fff;background:linear-gradient(rgba(10,46,115,.8),rgba(10,46,115,.8)),url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1200&q=80');background-size:cover}
.container{padding:50px 5%}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px}
.card{padding:25px;border-radius:12px;box-shadow:0 2px 10px rgba(0,0,0,.1)}
.btn{background:#d62828;color:#fff;padding:12px 20px;text-decoration:none;border-radius:6px}
footer{background:#0A2E73;color:#fff;padding:30px 5%}