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

        body {
            font-family: 'Inter', sans-serif;
            background: #f6f8fc;
            color: #151515;
        }

        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        /* ============================================================ */
        /* HERO — SIMPLE & CLEAN                                       */
        /* ============================================================ */
        .hero {
            background: #ffffff;
            padding: 70px 0 60px;
            border-bottom: 1px solid #eef2f9;
            text-align: center;
        }

        .hero .badge {
            display: inline-block;
            background: rgba(32, 68, 122, 0.08);
            color: #20447a;
            font-size: 12px;
            font-weight: 600;
            letter-spacing: 1px;
            text-transform: uppercase;
            padding: 5px 18px;
            border-radius: 30px;
            margin-bottom: 18px;
        }

        .hero h1 {
            font-size: 2.4rem;
            font-weight: 900;
            color: #151515;
            line-height: 1.2;
            margin-bottom: 14px;
            max-width: 750px;
            margin-left: auto;
            margin-right: auto;
        }

        .hero h1 span {
            color: #20447a;
        }

        .hero p {
            font-size: 17px;
            color: #5a6a7e;
            max-width: 620px;
            margin: 0 auto 28px;
            line-height: 1.8;
        }

        .hero .hero-stats {
            display: flex;
            justify-content: center;
            gap: 40px;
            flex-wrap: wrap;
        }

        .hero .hero-stats .stat {
            text-align: center;
        }

        .hero .hero-stats .stat .number {
            font-size: 28px;
            font-weight: 900;
            color: #20447a;
            display: block;
            line-height: 1;
        }

        .hero .hero-stats .stat .label {
            font-size: 14px;
            color: #5a6a7e;
            margin-top: 4px;
        }

        /* ============================================================ */
        /* SECTION TITLE                                                */
        /* ============================================================ */
        .section-title {
            text-align: center;
            margin-bottom: 48px;
        }

        .section-title .label {
            display: inline-block;
            background: rgba(32, 68, 122, 0.08);
            color: #20447a;
            font-size: 11px;
            font-weight: 700;
            letter-spacing: 2px;
            text-transform: uppercase;
            padding: 5px 20px;
            border-radius: 30px;
            margin-bottom: 10px;
        }

        .section-title h2 {
            font-size: 2.2rem;
            font-weight: 800;
            color: #151515;
            line-height: 1.15;
            margin-bottom: 6px;
        }

        .section-title h2 span {
            color: #20447a;
        }

        .section-title p {
            font-size: 16px;
            color: #5a6a7e;
            max-width: 600px;
            margin: 0 auto;
            line-height: 1.7;
        }

        /* ============================================================ */
        /* SECTION PADDING                                              */
        /* ============================================================ */
        .section-padding {
            padding: 60px 0;
        }

        .section-padding.bg-light {
            background: #f6f8fc;
        }

        .section-padding.bg-white {
            background: #ffffff;
        }

        /* ============================================================ */
        /* 3 COLUMN GRID                                                */
        /* ============================================================ */
        .grid-3 {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 24px;
        }

        /* ============================================================ */
        /* 2 COLUMN GRID                                                */
        /* ============================================================ */
        .grid-2 {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 24px;
        }

        /* ============================================================ */
        /* CARDS                                                        */
        /* ============================================================ */
        .card {
            background: #ffffff;
            border-radius: 18px;
            padding: 28px 24px;
            border: 1px solid #eef2f9;
            transition: 0.35s;
            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
            text-align: center;
        }

        .card:hover {
            transform: translateY(-6px);
            border-color: #20447a;
            box-shadow: 0 16px 40px rgba(32, 68, 122, 0.06);
        }

        .card .icon {
            width: 52px;
            height: 52px;
            background: #eef4ff;
            border-radius: 14px;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 22px;
            color: #20447a;
            margin: 0 auto 14px;
            transition: 0.3s;
        }

        .card:hover .icon {
            background: #20447a;
            color: #fff;
        }

        .card h4 {
            font-size: 17px;
            font-weight: 700;
            color: #151515;
            margin-bottom: 6px;
        }

        .card p {
            font-size: 14px;
            color: #5a6a7e;
            line-height: 1.6;
            margin-bottom: 0;
        }

        /* ============================================================ */
        /* LEFT BORDER CARDS                                            */
        /* ============================================================ */
        .card-border {
            background: #ffffff;
            border-radius: 18px;
            padding: 28px 24px;
            border-left: 4px solid #20447a;
            transition: 0.35s;
            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
        }

        .card-border:hover {
            transform: translateX(6px);
            box-shadow: 0 12px 32px rgba(32, 68, 122, 0.06);
        }

        .card-border .icon {
            font-size: 24px;
            color: #20447a;
            margin-bottom: 12px;
        }

        .card-border h4 {
            font-size: 17px;
            font-weight: 700;
            color: #151515;
            margin-bottom: 6px;
        }

        .card-border p {
            font-size: 14px;
            color: #5a6a7e;
            line-height: 1.6;
            margin-bottom: 0;
        }

        /* ============================================================ */
        /* PROCESS STEPS                                                */
        /* ============================================================ */
        .steps {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 20px;
        }

        .step {
            background: #ffffff;
            border-radius: 18px;
            padding: 24px 20px;
            border: 1px solid #eef2f9;
            transition: 0.35s;
            text-align: center;
        }

        .step:hover {
            transform: translateY(-4px);
            border-color: #20447a;
            box-shadow: 0 12px 32px rgba(32, 68, 122, 0.06);
        }

        .step .num {
            width: 48px;
            height: 48px;
            background: #20447a;
            color: #fff;
            font-size: 18px;
            font-weight: 800;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 14px;
        }

        .step h4 {
            font-size: 16px;
            font-weight: 700;
            color: #151515;
            margin-bottom: 4px;
        }

        .step p {
            font-size: 13px;
            color: #5a6a7e;
            line-height: 1.5;
            margin-bottom: 0;
        }

        /* ============================================================ */
        /* CTA                                                          */
        /* ============================================================ */
        .cta-section {
            background: linear-gradient(135deg, #20447a, #1a3a66);
            border-radius: 24px;
            padding: 48px 56px;
            text-align: center;
            color: #fff;
        }

        .cta-section h3 {
            font-size: 26px;
            font-weight: 800;
            line-height: 1.3;
            margin-bottom: 6px;
            color: white;
        }

        .cta-section p {
            font-size: 16px;
            color: #b8ccff;
            max-width: 520px;
            margin: 0 auto 22px;
            line-height: 1.7;
        }

        .cta-section .cta-btn {
            display: inline-block;
            padding: 08px 22px;
            background: #fff;
            color: #20447a;
            font-weight: 700;
            border-radius: 50px;
            text-decoration: none;
            transition: 0.3s;
        }

        .cta-section .cta-btn:hover {
            transform: translateY(-2px);
            box-shadow: 0 8px 24px rgba(255, 255, 255, 0.2);
        }

        /* ============================================================ */
        /* RESPONSIVE                                                   */
        /* ============================================================ */
        @media (max-width: 1024px) {
            .grid-3 {
                grid-template-columns: repeat(2, 1fr);
            }
            .steps {
                grid-template-columns: repeat(2, 1fr);
            }
        }

        @media (max-width: 768px) {
            .hero h1 {
                font-size: 2rem;
            }

            .hero .hero-stats {
                gap: 20px;
            }

            .section-title h2 {
                font-size: 1.8rem;
            }

            .grid-3 {
                grid-template-columns: 1fr;
            }

            .grid-2 {
                grid-template-columns: 1fr;
            }

            .steps {
                grid-template-columns: 1fr;
            }

            .cta-section {
                padding: 32px 24px;
            }

            .cta-section h3 {
                font-size: 22px;
            }
        }

        @media (max-width: 480px) {
            .hero h1 {
                font-size: 1.6rem;
            }

            .hero .hero-stats .stat .number {
                font-size: 24px;
            }
        }