*{box-sizing:border-box;margin:0;padding:0}
body{font:16px/1.6 -apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:#222;background:#f7f8fa;display:flex;flex-direction:column;min-height:100vh}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
header{background:#12263a;color:#fff;padding:14px 0}
header .wrap{display:flex;align-items:center;justify-content:space-between}
.logo{font-size:20px;font-weight:700;letter-spacing:.5px}
nav a{color:#cfe0ef;margin-left:18px;text-decoration:none}
nav a:hover{color:#fff}
main{flex:1;padding:48px 20px}
h1{font-size:32px;margin-bottom:16px}
h2{font-size:20px;margin-bottom:8px}
p{margin-bottom:12px;color:#444}
.hero{background:#e8eef5;border-radius:10px;padding:36px 28px;margin-bottom:32px}
.hero p{font-size:18px;color:#334}
.cols{display:flex;gap:24px}
.cols div{flex:1;background:#fff;border:1px solid #e2e6ea;border-radius:10px;padding:20px}
footer{border-top:1px solid #e2e6ea;padding:16px 20px;font-size:13px;color:#888}
@media(max-width:720px){.cols{flex-direction:column}}