body{
font-family:Arial;
margin:0;
color:#333;
}

.hero{
background:url(hero.jpg) center/cover;
height:500px;
display:flex;
align-items:center;
justify-content:center;
color:white;
text-align:center;
}

.overlay{
background:rgba(0,0,0,0.5);
padding:40px;
}

.btn{
background:#0b3a6f;
color:white;
padding:12px 25px;
text-decoration:none;
margin:10px;
display:inline-block;
}

.grid{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
gap:20px;
padding:40px;
}

.card{
background:#f4f4f4;
padding:20px;
border-radius:6px;
}

.cta{
background:#0b3a6f;
color:white;
text-align:center;
padding:60px 20px;
}

footer{
background:#111;
color:white;
text-align:center;
padding:20px;
}