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

/* BODY */
body {
    font-family: Arial, sans-serif;
    background: #f4f6f9;
    color: #333;
}

/* NAVBAR */
.navbar {
    background: #003B75;
    padding: 20px 40px;
}

.logo {
    color: white;
    font-size: 36px;
    font-weight: bold;
}

/* HERO */
.hero {
    background: #003B75;
    min-height: 600px;

    display: flex;
    justify-content: center;
    align-items: center;

    text-align: center;
    padding: 50px 20px;
}

.overlay {
    max-width: 900px;
}

.hero h1 {
    color: white;
    font-size: 72px;
    margin-bottom: 20px;
}

.hero p {
    color: white;
    font-size: 24px;
    margin-bottom: 20px;
}

.subtitle {
    font-size: 20px;
    margin-bottom: 30px;
}

/* BUTTONS */
.buttons {
    margin-top: 30px;
}

.btn-primary {
    background: #F39C12;
    color: white;
    text-decoration: none;
    padding: 15px 35px;
    border-radius: 6px;
    display: inline-block;
    margin-right: 10px;
    font-weight: bold;
}

.btn-primary:hover {
    background: #d68910;
}

.btn-secondary {
    border: 2px solid white;
    color: white;
    text-decoration: none;
    padding: 15px 35px;
    border-radius: 6px;
    display: inline-block;
    font-weight: bold;
}

.btn-secondary:hover {
    background: white;
    color: #003B75;
}

/* FEATURES */
.features {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;

    padding: 70px 20px;
}

.feature {
    width: 300px;
    background: white;
    padding: 25px;
    border-radius: 10px;

    text-align: center;

    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

.feature h3 {
    color: #003B75;
    margin-bottom: 15px;
    font-size: 24px;
}

.feature p {
    font-size: 16px;
    line-height: 1.6;
}

/* STATS */
.stats {
    background: #003B75;
    color: white;

    display: flex;
    justify-content: center;
    gap: 100px;
    flex-wrap: wrap;

    text-align: center;

    padding: 60px 20px;
}

.stat h2 {
    font-size: 50px;
    margin-bottom: 10px;
}

.stat p {
    font-size: 18px;
}

/* WHY JOIN */
.section {
    max-width: 1000px;
    margin: auto;

    text-align: center;

    padding: 80px 20px;
}

.section h2 {
    color: #003B75;
    font-size: 42px;
    margin-bottom: 20px;
}

.section p {
    font-size: 20px;
    line-height: 1.8;
}

/* FOOTER */
footer {
    background: #222;
    color: white;

    text-align: center;

    padding: 25px;
}

/* MOBILE */
@media (max-width: 768px) {

    .hero h1 {
        font-size: 42px;
    }

    .hero p {
        font-size: 18px;
    }

    .stats {
        gap: 40px;
    }

    .feature {
        width: 100%;
        max-width: 350px;
    }
}
body{
    font-family: Arial, sans-serif;
    background:#f4f7fb;
    margin:0;
    padding:0;
    color:#333;
    line-height:1.8;
}

.hero-header{
    background:linear-gradient(135deg,#003B75,#0056b3);
    color:white;
    text-align:center;
    padding:60px 20px;
}

.hero-header h1{
    margin:0;
    font-size:50px;
}

.hero-header p{
    font-size:18px;
    opacity:0.9;
}

.container{
    max-width:1000px;
    margin:40px auto;
    padding:0 20px;
}

.section{
    background:white;
    padding:30px;
    margin-bottom:25px;
    border-radius:12px;
    box-shadow:0 4px 12px rgba(0,0,0,0.08);
}

.section h2{
    color:#003B75;
    margin-top:0;
    border-left:5px solid #F39C12;
    padding-left:15px;
}

.effective-date{
    text-align:center;
    color:#666;
    margin-bottom:30px;
}

.contact-box{
    background:#eef6ff;
    padding:20px;
    border-left:5px solid #003B75;
    border-radius:8px;
}

.back-btn{
    display:inline-block;
    background:#F39C12;
    color:white;
    text-decoration:none;
    padding:12px 25px;
    border-radius:6px;
    margin-top:20px;
    font-weight:bold;
}

.back-btn:hover{
    background:#d68910;
}

footer{
    background:#003B75;
    color:white;
    text-align:center;
    padding:20px;
    margin-top:40px;
}
.accordion details{
    background:#fff;
    margin-bottom:15px;
    border-radius:10px;
    padding:15px 20px;
    box-shadow:0 2px 8px rgba(0,0,0,0.08);
}

.accordion summary{
    font-size:22px;
    font-weight:bold;
    color:#003B75;
    cursor:pointer;
    outline:none;
}

.accordion summary:hover{
    color:#F39C12;
}

.accordion p{
    margin-top:15px;
    line-height:1.8;
}

details[open]{
    border-left:5px solid #F39C12;
}