:root{
  --ink:#222a32;
  --muted:#67737d;
  --paper:#f5f6f3;
  --white:#fff;
  --blue:#164b72;
  --accent:#e7ac4e;
  --line:#dde2e3;
}
*{box-sizing:border-box}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:Arial,Helvetica,sans-serif;line-height:1.8
}
a{color:inherit;text-decoration:none}
.container{max-width:1160px;margin:auto;padding:0 25px}
header{background:white;border-bottom:1px solid var(--line)}
nav{
  min-height:85px;display:flex;align-items:center;
  justify-content:space-between;gap:20px
}
.brand{
  font-size:25px;font-weight:800;
  letter-spacing:-1px;color:var(--blue)
}
.brand span{color:#d4932b}
.links{display:flex;gap:23px;flex-wrap:wrap}
.links a{font-size:14px;font-weight:bold}
.links a:hover{color:var(--blue)}
.hero{
  background:
    radial-gradient(circle at 80% 10%,#32789b,transparent 35%),
    linear-gradient(125deg,#172b3e,#164b72);
  color:white;padding:105px 0
}
.eyebrow{
  color:#d4932b;font-weight:800;
  text-transform:uppercase;letter-spacing:2px;font-size:12px
}
.hero .eyebrow{color:var(--accent)}
h1,h2,h3{line-height:1.22}
h1{font-size:clamp(39px,6vw,68px);max-width:840px}
h2{font-size:clamp(27px,4vw,42px)}
h3{font-size:23px}
p{color:var(--muted)}
.hero p{color:#d8e4ed;font-size:20px;max-width:720px}
.btn{
  display:inline-block;background:var(--accent);
  padding:13px 26px;border-radius:7px;
  color:#23323a;font-weight:800;margin-top:16px
}
section{padding:70px 0}
.grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:22px;margin-top:30px
}
.card{
  background:white;border:1px solid var(--line);
  border-radius:12px;padding:30px;transition:.2s
}
.card:hover{
  transform:translateY(-4px);
  border-color:var(--blue)
}
.card small{
  font-weight:bold;color:var(--blue);
  text-transform:uppercase;letter-spacing:1px
}
.card p{font-size:15px}
.article{
  max-width:850px;margin:70px auto;
  padding:0 25px;min-height:55vh
}
.article h1{font-size:clamp(36px,5vw,54px)}
.article h2{font-size:27px;margin-top:35px}
.article p{font-size:17px;line-height:2}
.highlight{
  border-left:5px solid var(--accent);
  background:#e9eff2;padding:35px;
  border-radius:9px
}
footer{
  background:#172b3e;color:white;padding:45px 0
}
footer p{color:#c8d6e0}
@media(max-width:900px){
  .grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:650px){
  nav{flex-direction:column;align-items:flex-start;padding:19px 0}
  .links{gap:14px}
  .grid{grid-template-columns:1fr}
  .hero{padding:65px 0}
  section{padding:45px 0}
  .highlight{padding:23px}
}