*{
    margin:0;
    padding:0;
    box-sizing:border-box;
}

/* HERO */

.hero{
    background:linear-gradient(135deg,#0b1d4d,#123b8a);
    color:white;
    text-align:center;
    padding:90px 20px;
}

.hero h1{
    font-size:52px;
    margin-bottom:20px;
    font-weight:800;
}

.hero p{
    max-width:900px;
    margin:auto;
    font-size:20px;
    color:#dce6ff;
}

/* SECTION */

.section{
    max-width:1200px;
    margin:70px auto;
    padding:0 20px;
}

.section-title{
    text-align:center;
    color:#123b8a;
    font-size:40px;
    margin-bottom:20px;
    font-weight:800;
}

.section-subtitle{
    text-align:center;
    max-width:850px;
    margin:0 auto 50px;
    color:#555;
    font-size:18px;
}

/* STEP CARDS */

.steps-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
    gap:25px;
}

.step-card{
    background:#fff;
    padding:30px;
    border-radius:18px;
    box-shadow:0 8px 24px rgba(0,0,0,0.08);
    transition:.25s ease;
    border:1px solid #dce6ff;
}

.step-card:hover{
    transform:translateY(-5px);
    box-shadow:0 15px 30px rgba(0,0,0,.12);
}

.step-number{
    width:55px;
    height:55px;
    border-radius:50%;
    background:#0056ff;
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:22px;
    font-weight:700;
    margin-bottom:18px;
}

.step-card h3{
    color:#123b8a;
    margin-bottom:12px;
}

.step-card p{
    color:#555;
}

/* BENEFITS */

.benefits-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(240px,1fr));
    gap:25px;
}

.benefit-card{
    background:#fff;
    padding:30px;
    border-radius:18px;
    text-align:center;
    box-shadow:0 8px 24px rgba(0,0,0,.08);
}

.benefit-card h3{
    margin-bottom:15px;
    color:#123b8a;
}

.benefit-icon{
    font-size:48px;
    margin-bottom:15px;
}

/* NOTICE */

.notice-box{
    background:#eef4ff;
    border-left:5px solid #0056ff;
    padding:30px;
    border-radius:12px;
}

/* FAQ CARDS */

.faq-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
    gap:20px;
}

.faq-link{
    text-decoration:none;
    color:inherit;
}

.faq-card{
    background:white;
    padding:25px;
    border-radius:16px;
    box-shadow:0 8px 20px rgba(0,0,0,.08);
    transition:.25s ease;
}

.faq-card:hover{
    transform:translateY(-4px);
}

.faq-card h4{
    color:#123b8a;
    margin-bottom:10px;
    font-size:20px;
}

.faq-card p{
    color:#555;
    font-size:15px;
}

/* ===== CTA =====*/

.cta-buttons{
    display:flex;
    justify-content:center;
    gap:20px;
    flex-wrap:wrap;
}

.cta-btn{
    display:inline-block;
    text-decoration:none;
    padding:15px 30px;
    border-radius:10px;
    font-weight:700;
}

.btn-white{
    background:white;
    color:#ff6f00;
}

.btn-blue{
    background:#0b1d4d;
    color:white;
}

@media(max-width:768px){

    .hero h1{
        font-size:38px;
    }

    .section-title{
        font-size:30px;
    }

    .cta h2{
        font-size:32px;
    }
}