body{margin:0;font-family:Arial;background:#f5f8fc;color:#0b2545}

header{
display:flex;
justify-content:space-between;
align-items:center;
padding:15px 40px;
background:white;
box-shadow:0 2px 8px rgba(0,0,0,.05)
}

.logo{
font-weight:bold;
font-size:22px;
color:#0b3d91
}

nav a{
margin:0 12px;
text-decoration:none;
color:#0b3d91;
font-weight:bold
}

.hero{
background:linear-gradient(rgba(11,61,145,.85),rgba(25,118,210,.85)),
url('https://images.unsplash.com/photo-1518770660439-4636190af475');
background-size:cover;
background-position:center;
color:white;
text-align:center;
padding:140px 20px
}

section{
padding:70px 20px;
max-width:1000px;
margin:auto;
line-height:1.8
}

h2{
color:#0b3d91;
margin-bottom:15px
}

.grid{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:25px
}

.card{
background:white;
padding:25px;
border-radius:12px;
box-shadow:0 8px 20px rgba(0,0,0,.07)
}

footer{
background:#0b3d91;
color:white;
text-align:center;
padding:25px;
margin-top:40px
}

.whatsapp{
position:fixed;
bottom:20px;
right:20px;
background:#25d366;
color:white;
padding:14px 18px;
border-radius:50px;
text-decoration:none;
font-weight:bold
}