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

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: #333;
    background: #f8f9fa;
}

.container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

header {
    background: #1a237e;
    color: #fff;
    padding: 15px 0;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 5px rgba(0,0,0,0.2);
}

header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo h1 {
    font-size: 1.5em;
    font-weight: 700;
}

.tagline {
    font-size: 0.8em;
    opacity: 0.9;
    display: block;
}

nav ul {
    list-style: none;
    display: flex;
    gap: 20px;
}

nav a {
    color: #fff;
    text-decoration: none;
    padding: 5px 10px;
    border-radius: 4px;
    transition: background 0.3s;
}

nav a:hover {
    background: rgba(255,255,255,0.15);
}

.hero {
    background: linear-gradient(135deg, #1a237e, #283593);
    color: #fff;
    padding: 80px 0;
    text-align: center;
}

.hero h2 {
    font-size: 2.5em;
    margin-bottom: 20px;
}

.hero p {
    font-size: 1.2em;
    max-width: 700px;
    margin: 0 auto 30px;
    opacity: 0.95;
}

.btn {
    display: inline-block;
    background: #ff6f00;
    color: #fff;
    padding: 12px 30px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 600;
    transition: background 0.3s;
    border: none;
    cursor: pointer;
    font-size: 1em;
}

.btn:hover {
    background: #e65100;
}

.features {
    padding: 60px 0;
    background: #fff;
}

.features .container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.feature {
    text-align: center;
    padding: 30px;
    border-radius: 8px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.08);
    transition: transform 0.3s;
}

.feature:hover {
    transform: translateY(-5px);
}

.feature h3 {
    color: #1a237e;
    margin-bottom: 15px;
    font-size: 1.3em;
}

.regulatory {
    background: #e8eaf6;
    padding: 30px 0;
    text-align: center;
    border-top: 3px solid #1a237e;
}

.regulatory p {
    margin: 5px 0;
    color: #333;
    font-size: 0.95em;
}

.page-header {
    background: #283593;
    color: #fff;
    padding: 40px 0;
    text-align: center;
}

.page-header h2 {
    font-size: 2em;
}

.content {
    padding: 50px 0;
    background: #fff;
}

.content h3 {
    color: #1a237e;
    margin: 25px 0 10px;
    font-size: 1.3em;
}

.content p {
    margin-bottom: 15px;
    color: #555;
}

.content ul {
    margin: 10px 0 20px 20px;
    color: #555;
}

.content li {
    margin-bottom: 8px;
}

.service-item {
    padding: 20px;
    margin-bottom: 20px;
    border-left: 4px solid #1a237e;
    background: #f5f5f5;
    border-radius: 0 8px 8px 0;
}

.service-item h3 {
    margin-top: 0;
}

.contact-info {
    margin-bottom: 30px;
}

.contact-info p {
    font-size: 1.1em;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    margin-bottom: 5px;
    font-weight: 600;
    color: #333;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid #ddd;
    border-radius: 4px;
    font-size: 1em;
    font-family: inherit;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #1a237e;
}

footer {
    background: #1a237e;
    color: #fff;
    padding: 30px 0;
}

footer .container {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 10px;
}

.footer-info p {
    margin: 3px 0;
    font-size: 0.9em;
}

.footer-links a {
    color: #90caf9;
    text-decoration: none;
    font-size: 0.9em;
}

.footer-links a:hover {
    text-decoration: underline;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.15);
    padding-top: 15px;
    width: 100%;
    margin-top: 10px;
    font-size: 0.85em;
    opacity: 0.8;
}

@media (max-width: 768px) {
    header .container {
        flex-direction: column;
        gap: 10px;
    }
    
    nav ul {
        flex-wrap: wrap;
        justify-content: center;
    }
    
    .hero h2 {
        font-size: 1.8em;
    }
    
    .features .container {
        grid-template-columns: 1fr;
    }
}