*{box-sizing:border-box}html,body{height:100%}body{margin:0;font-family:Georgia,serif;color:#1c2733;background:#f7f8fa}
.top{position:sticky;top:0;z-index:10;background:#0a304e;color:#fff;display:flex;gap:24px;align-items:center;justify-content:space-between;padding:14px 22px}
.top .brand{font-weight:800;text-decoration:none;color:#fff}.top a{color:#fff;text-decoration:none;margin-left:14px;font-weight:700}
.section{max-width:1200px;margin:0 auto;padding:50px 20px}.section h2{color:#0a304e;margin:0 0 16px}
h1{color:#0a304e}
/* Hero */
.hero{height:85vh;background:url('img/misc/banner.jpg') center/cover no-repeat fixed;position:relative;display:flex;align-items:center}
.hero::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.55),rgba(0,0,0,.25),rgba(0,0,0,.55))}
.hero-inner{position:relative;z-index:1;margin-left:8vw;color:#fff;max-width:520px;padding:22px;background:rgba(10,48,78,.25)}
.hero h1{margin:0 0 8px;font-size:clamp(36px,6vw,64px)}.btn{display:inline-block;padding:12px 20px;text-decoration:none}
.btn.cta{background:#0a304e;color:#fff}.btn.pay{display:block;text-align:center;background:#d13b3b;color:#fff;padding:14px 18px;font-weight:700}

/* Grid */
.grid{display:grid;grid-template-columns:repeat(4,minmax(240px,1fr));gap:18px}
@media(max-width:1000px){.grid{grid-template-columns:repeat(3,minmax(240px,1fr))}}
@media(max-width:760px){.grid{grid-template-columns:repeat(2,minmax(240px,1fr))}}
@media(max-width:520px){.grid{grid-template-columns:1fr}}

/* Cards */
.card{position:relative;min-height:260px;overflow:hidden;display:flex;align-items:flex-end;color:#fff;border:0;outline:1px solid rgba(255,255,255,.2)}
.card::before{content:'';position:absolute;inset:0;background-size:cover;background-position:center;filter:brightness(.22) contrast(1.12) saturate(.9)}
.card::after{content:'';position:absolute;inset:0;pointer-events:none;background:
  radial-gradient(130% 50% at 50% 0%,rgba(0,0,0,.45),rgba(0,0,0,0) 38%),
  radial-gradient(120% 50% at 50% 100%,rgba(0,0,0,.45),rgba(0,0,0,0) 38%),
  repeating-linear-gradient(105deg,rgba(255,255,255,.06) 0 10px,rgba(0,0,0,.10) 10px 20px);
mix-blend-mode:multiply}
.card .inner{position:relative;z-index:1;width:100%;padding:22px;background:linear-gradient(0deg,rgba(0,0,0,.22),rgba(0,0,0,.12))}
.card h3{margin:0;font-size:28px;font-weight:800;text-align:center}
.card hr{border:0;height:2px;background:#ffffffcc;margin:10px 0 12px}.card p{margin:0 0 14px;text-align:center}

/* Backgrounds mapping */
.card.usa::before{background-image:url('img/flags/usa.jpg')}
.card.eu::before{background-image:url('img/flags/eu.jpg')}
.card.canada::before{background-image:url('img/flags/canada.jpg')}
.card.korea::before{background-image:url('img/flags/korea.jpg')}
.card.japan::before{background-image:url('img/flags/japan.jpg')}
.card.uk::before{background-image:url('img/flags/uk.jpg')}
.card.australia::before{background-image:url('img/flags/australia.jpg')}
.card.india::before{background-image:url('img/flags/india.jpg')}

/* Tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid #d9e1ea}
.tbl th,.tbl td{padding:12px;border-bottom:1px solid #e3e9f0;text-align:left}
.tbl th{background:#f1f4f8}

/* Forms */
.form{background:#eef1f5;padding:16px;border:1px solid #d9e1ea}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.form input,.form textarea,.form button{width:100%;padding:12px;border:1px solid #c9d3df}
.form textarea{min-height:120px}
.form button{background:#0a304e;color:#fff;border:none;cursor:pointer;margin-top:12px}

.foot{background:#0a304e;color:#fff;text-align:center;padding:20px;margin-top:30px}