body { margin:0; font-family:Arial, Helvetica, sans-serif; color:#1a202c; background:#ffffff; }
.topbar { background:#0b1f3a; color:white; font-size:14px; padding:6px 40px; text-align:right; }
header { background:#102a4d; padding:18px 40px; }
nav { display:flex; justify-content:space-between; align-items:center; }
.logo { color:white; font-size:20px; font-weight:bold; }
.nav-links { list-style:none; margin:0; padding:0; display:flex; align-items:center; }
.nav-links li { position:relative; }
.nav-links a { color:white; text-decoration:none; padding:10px 16px; display:block; font-size:14px; }
.nav-links li:hover .dropdown { display:block; }
.dropdown { display:none; position:absolute; background:white; min-width:180px; top:40px; left:0; box-shadow:0 4px 10px rgba(0,0,0,0.1); }
.dropdown a { color:#102a4d; padding:10px; font-size:13px; }
.button-primary { background:#1f4e8c; padding:8px 16px; border-radius:4px; }
.hero { background:#f3f6fa; padding:70px 40px; }
.hero h1 { font-size:36px; margin-bottom:15px; color:#102a4d; }
.hero p { max-width:800px; font-size:16px; }
.section { padding:50px 40px; max-width:1100px; margin:auto; }
.grid-4 { display:grid; grid-template-columns:repeat(auto-fit,minmax(240px,1fr)); gap:25px; }
.card { border:1px solid #dbe2ea; padding:20px; font-size:14px; }
.card h3 { margin-top:0; color:#102a4d; }
footer { background:#102a4d; color:white; padding:40px; }
.footer-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:30px; }
footer a { color:#dbe2ea; text-decoration:none; font-size:13px; }