body{font-family:Arial,sans-serif;margin:0;line-height:1.6;color:#333}header{background:#16324F;color:#fff;padding:16px}nav a{color:#fff;margin-right:15px;text-decoration:none}.hero{padding:80px 20px;background:#f4f7fa;text-align:center}.btn{display:inline-block;background:#C89B3C;color:white;padding:12px 20px;text-decoration:none;border-radius:4px;margin:5px}.section{padding:50px 20px;max-width:1100px;margin:auto}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}.card{border:1px solid #ddd;padding:20px;border-radius:8px}.footer{background:#16324F;color:#fff;padding:20px;text-align:center}