body {font-family:'Poppins',sans-serif; scroll-behavior:smooth;}
.navbar{background:#0B3D91;}
.hero{
height:100vh;
display:flex;
align-items:center;
justify-content:center;
text-align:center;
color:white;
background:linear-gradient(rgba(11,61,145,0.8),rgba(16,42,67,0.8)),
url('https://images.unsplash.com/photo-1582213782179-e0d53f98f2ca') center/cover no-repeat;
}
.section{padding:80px 0;}
.card{border:none;border-radius:20px;box-shadow:0 10px 30px rgba(0,0,0,0.1);transition:0.3s;}
.card:hover{transform:translateY(-8px);}
.btn-gold{background:#D4AF37;color:white;border-radius:30px;padding:10px 25px;}
.btn-gold:hover{background:#b9972f;}
footer{background:#0B3D91;color:white;padding:25px 0;text-align:center;}
input:focus,textarea:focus{box-shadow:0 0 10px rgba(11,61,145,0.4);border-color:#0B3D91;}