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

/* ===== HEADER ===== */
header {
  background: #0E538D;
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 1000;
}

.navbar {
  max-width: 1200px;
  margin: auto;
  padding: 15px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  font-size: 22px;
  font-weight: bold;
}

nav ul {
  list-style: none;
  display: flex;
  gap: 20px;
}

nav ul li a {
  color: #fff;
  text-decoration: none;
  font-weight: 500;
  padding-bottom: 3px;
}

nav ul li a:hover,
nav ul li a.active {
  border-bottom: 2px solid #FFD54F;
  color: #FFD54F;
}

/* ===== MOBILE MENU ===== */
.menu-toggle {
  display: none;
  font-size: 24px;
  cursor: pointer;
}

/* ===== HERO ===== */
.hero {
  background: #125A99;
  color: #fff;
  padding: 50px 20px;
}

.hero .container {
  max-width: 1200px;
  margin: auto;
}

.hero h1 {
  font-size: 32px;
  margin-bottom: 15px;
}

.hero p {
  font-size: 16px;
  line-height: 1.6;
}

/* ===== DISCLAIMER ===== */
.disclaimer {
  background: #FFF3CD;
  color: #664d03;
  padding: 10px 20px;
  font-size: 14px;
}

/* ===== MAIN CONTENT ===== */
main {
  padding: 40px 20px;
}

.container {
  max-width: 1200px;
  margin: auto;
}

/* ===== SERVICE CARDS ===== */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}

.card {
  background: #fff;
  padding: 25px;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

.card h3 {
  margin-bottom: 10px;
}

/* ===== FOOTER ===== */
footer {
  background: #0E538D;
  color: #fff;
  text-align: center;
  padding: 15px;
  margin-top: 40px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  nav ul {
    display: none;
    flex-direction: column;
    background: #0E538D;
    position: absolute;
    top: 60px;
    right: 20px;
    padding: 15px;
    border-radius: 8px;
  }

  nav ul.show {
    display: flex;
  }

  .menu-toggle {
    display: block;
  }
}