* { margin: 0; padding: 0; box-sizing: border-box; }
body { font-family: Georgia, 'Times New Roman', serif; color: #1a2b3c; background: #f7f9fa; line-height: 1.65; }
.wrap { max-width: 1000px; margin: 0 auto; padding: 0 20px; }

header { background: #0d3b66; color: #fff; padding: 22px 0 0; }
.brand { display: flex; align-items: center; gap: 18px; padding-bottom: 14px; }
.logo { font-family: Arial, Helvetica, sans-serif; font-weight: bold; font-size: 34px; background: #f4a261; color: #0d3b66; padding: 10px 14px; border-radius: 8px; letter-spacing: 1px; }
.brand-text h1 { font-size: 21px; font-weight: normal; }
.brand-text p { font-size: 13px; color: #cfe3f3; }
nav { display: flex; gap: 4px; border-top: 1px solid rgba(255,255,255,.2); padding: 10px 0; }
nav a { color: #e7f1f9; text-decoration: none; font-family: Arial, Helvetica, sans-serif; font-size: 14px; padding: 6px 16px; border-radius: 6px; }
nav a:hover { background: rgba(255,255,255,.12); }
nav a.active { background: #f4a261; color: #0d3b66; font-weight: bold; }

.hero { background: linear-gradient(135deg, #0d3b66 0%, #14548a 100%); color: #fff; padding: 54px 0; }
.hero h2 { font-size: 30px; margin-bottom: 10px; }
.hero p { color: #d7e7f5; max-width: 720px; }

main { padding: 40px 0; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; margin-bottom: 40px; }
.card { background: #fff; border: 1px solid #dde6ec; border-radius: 10px; padding: 22px; }
.card h3 { font-size: 17px; color: #0d3b66; margin-bottom: 8px; }
.card p { font-size: 14.5px; color: #44586b; }

.section h2 { color: #0d3b66; font-size: 26px; margin-bottom: 14px; }
.section h3 { color: #0d3b66; font-size: 18px; margin: 22px 0 8px; }
.section p, .section li { color: #33475b; margin-bottom: 8px; }
.section ul { padding-left: 22px; }
.lead { font-size: 17px; }

.contact-box { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; margin: 24px 0 30px; }
.contact-item { background: #fff; border: 1px solid #dde6ec; border-left: 5px solid #f4a261; border-radius: 10px; padding: 22px; }
.big { font-size: 20px; }
.big a { color: #14548a; }

.offices { width: 100%; border-collapse: collapse; margin: 10px 0 16px; background: #fff; }
.offices th, .offices td { text-align: left; padding: 10px 14px; border: 1px solid #dde6ec; font-weight: normal; }
.offices th { background: #eef4f8; color: #0d3b66; width: 130px; }

a { color: #14548a; }
a:hover { color: #f4a261; }

footer { background: #0d3b66; color: #cfe3f3; padding: 26px 0; margin-top: 30px; text-align: center; }
footer p { font-size: 14px; margin-bottom: 4px; }
footer a { color: #f4a261; text-decoration: none; }
.copy { color: #7fa5c4; font-size: 12.5px !important; margin-top: 8px; }

@media (max-width: 640px) {
  .brand { flex-direction: column; align-items: flex-start; gap: 10px; }
  .hero h2 { font-size: 23px; }
}