/* Reset + Global Styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
body {
  font-family: "Segoe UI", Tahoma, Geneva, Verdana, sans-serif;
  background: #f9f9f9;
  color: #333;
  line-height: 1.6;
}
.container {
  width: 90%;
  max-width: 1200px;
  margin: auto;
}

/* Top Bar */
.top-bar {
  background: #004080;
  color: #fff;
  font-size: 14px;
  padding: 8px 0;
  text-align: center;
}

/* Navbar */
nav {
  background: #fff;
  border-bottom: 1px solid #ddd;
}
nav .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  padding: 15px 0;
}
nav .logo {
  font-size: 24px;
  font-weight: bold;
  color: #004080;
}
nav ul {
  display: flex;
  gap: 20px;
  list-style: none;
}
nav ul li a {
  text-decoration: none;
  color: #333;
  font-weight: 500;
  padding: 8px 12px;
  border-radius: 4px;
}
nav ul li a:hover,
nav ul li a.active {
  background: #004080;
  color: #fff;
}

/* Hamburger */
#menu-toggle {
  display: none;
  font-size: 28px;
  color: #004080;
  cursor: pointer;
}

/* Hero Section */
.hero-section {
  background-size: cover;
  background-position: center;
  color: white;
  position: relative;
  padding: 100px 20px;
  text-align: center;
}
.hero-section .overlay {
  background: rgba(0, 0, 0, 0.6);
  padding: 60px 20px;
  border-radius: 10px;
  max-width: 700px;
  margin: auto;
}
.hero-section h1 {
  font-size: 48px;
  margin-bottom: 15px;
}
.hero-section p {
  font-size: 20px;
  margin-bottom: 25px;
}
.hero-section .btn {
  background: white;
  color: #004080;
  padding: 12px 30px;
  font-weight: bold;
  text-decoration: none;
  border-radius: 5px;
}
.hero-section .btn:hover {
  background: #e0e0e0;
}

/* Process Section */
.process {
  padding: 60px 0;
  background: #fff;
  text-align: center;
}
.process h2 {
  font-size: 36px;
  margin-bottom: 40px;
  color: #004080;
}
.steps {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
}
.step {
  background: #f2f7ff;
  padding: 20px;
  width: 250px;
  border-radius: 8px;
  box-shadow: 0 0 10px #ddd;
}
.step h3 {
  margin-bottom: 10px;
  color: #004080;
}

/* FAQ Section */
.faq {
  padding: 60px 0;
  background: #f9f9f9;
  text-align: center;
}
.faq h2 {
  font-size: 36px;
  margin-bottom: 30px;
  color: #004080;
}
.faq .faq-item {
  margin-bottom: 20px;
  text-align: left;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}
.faq .faq-item h3 {
  cursor: pointer;
  background: #e6f0ff;
  padding: 15px;
  border-radius: 5px;
  font-size: 18px;
  transition: background 0.3s;
}
.faq .faq-item h3:hover {
  background: #d0e3ff;
}
.faq .answer {
  display: none;
  background: white;
  padding: 15px;
  border: 1px solid #cce;
  border-radius: 5px;
  margin-top: 5px;
}

/* Footer */
footer {
  background: #004080;
  color: white;
  text-align: center;
  padding: 20px;
  margin-top: 50px;
  font-size: 14px;
}

/* Responsive */
@media (max-width: 768px) {
  nav ul {
    display: none;
    flex-direction: column;
    width: 100%;
    background: #fff;
    padding: 15px 0;
  }
  nav ul.show {
    display: flex;
  }
  #menu-toggle {
    display: block;
  }
  .steps {
    flex-direction: column;
    align-items: center;
  }
}