* { box-sizing: border-box; margin: 0; }
body { font: 16px/1.6 system-ui, sans-serif; color: #1c2330; background: #fff; }
.wrap { max-width: 920px; margin: 0 auto; padding: 0 18px; }
header { border-bottom: 2px solid #14406e; }
.bar { display: flex; align-items: center; gap: 22px; padding: 14px 18px; }
.logo { color: #14406e; font-size: 18px; }
nav { display: flex; gap: 14px; }
nav a { color: #1c2330; text-decoration: none; }
.phone { margin-left: auto; font-weight: 600; color: #14406e; }
.hero { background: #eef3f9; padding: 56px 0; }
.hero.small { padding: 32px 0; }
.hero h1 { font-size: 32px; color: #14406e; margin-bottom: 10px; }
.hero p { max-width: 560px; margin-bottom: 18px; }
.btn { display: inline-block; background: #14406e; color: #fff; padding: 11px 22px;
       border-radius: 4px; text-decoration: none; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
         gap: 18px; padding: 36px 18px; }
.card { border: 1px solid #d7dde6; border-radius: 6px; padding: 18px; }
.card h3 { color: #14406e; margin-bottom: 8px; }
.contact { background: #f6f7f9; padding: 34px 0; }
.contact h2 { color: #14406e; margin-bottom: 10px; }
.text { padding: 30px 18px; }
.text p { margin-bottom: 14px; max-width: 640px; }
footer { border-top: 1px solid #d7dde6; padding: 16px 0; color: #667; font-size: 14px; }