:root {
      --yellow: #f1dfbb;
      --blue: #2c344e;
      --bg: #f6f8fb;
      --surface: #ffffff;
      --text: #14161a;
      --radius: 14px;
      --shadow: 0 6px 20px rgba(16, 24, 40, .08);
    }
    body {
      margin: 0;
      font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
      background: var(--bg);
      color: var(--text);
      transition: background .3s, color .3s;
    }
    body.dark {
      --bg: #12141d;
      --surface: #1b1e28;
      --text: #f2f2f2;
    }

    /* Header */
    header.brandbar {
      background: var(--surface);
      border-bottom: 2px solid var(--blue);
      padding: 14px 20px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .logo {
      font-weight: 800;
      font-size: 20px;
      color: var(--blue);
      letter-spacing: .06em;
    }
    .toggle-dark {
      background: var(--blue);
      color: #fff;
      border: none;
      padding: 6px 14px;
      border-radius: 20px;
      cursor: pointer;
      font-weight: 600;
    }

    /* Banner */
    .banner {
      width: 100%;
      display: block;
    }

    /* Navigation */
    nav.nav {
      background: var(--blue);
    }
    .nav .wrap {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 0 20px;
    }
    .nav ul {
      list-style: none;
      margin: 0;
      padding: 0;
      display: flex;
      gap: 26px;
    }
    .nav a {
      color: #fff;
      text-decoration: none;
      font-weight: 600;
      padding: 16px 0;
      display: block;
      transition: color .15s ease;
    }
    .nav a:hover {
      color: var(--yellow);
    }
    .menu-toggle {
      display: none;
      background: none;
      border: 0;
      font-size: 22px;
      color: #fff;
      cursor: pointer;
    }
    @media (max-width: 700px) {
      .nav ul {
        display: none;
        flex-direction: column;
        gap: 14px;
      }
      .nav ul.open {
        display: flex;
      }
      .menu-toggle {
        display: block;
      }
    }

    /* Grid */
    main.grid {
      margin: 20px auto 40px;
      padding: 0 40px;
      display: grid;
      gap: 24px;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      max-width: 1200px;
    }
    .card {
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      background: var(--surface);
      padding: 22px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      min-height: 150px;
      transition: transform .2s ease;
    }
    .card:hover {
      transform: translateY(-4px);
    }
    .card.muted { background: var(--yellow); }
    .card.accent { background: var(--blue); color: #fff; }
    .title {
      margin: 0 0 16px;
      font-size: 18px;
      font-weight: 700;
    }

    /* Proceed Button (link styled as button) */
    .cta {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 10px 16px;
      border-radius: 10px;
      border: none;
      background: var(--surface);
      font-weight: 700;
      cursor: pointer;
      text-decoration: none;
      color: inherit;
      transition: transform .12s ease;
      max-width: fit-content;
    }
    .card.accent .cta {
      background: #fff;
      color: var(--blue);
    }
    .cta:hover {
      transform: translateY(-2px);
    }

    /* Footer */
    .footer {
      background: var(--blue);
      color: #fff;
      padding: 20px;
      text-align: center;
    }
    .footer a {
      color: #fff;
      margin: 0 10px;
      text-decoration: none;
      font-weight: 600;
    }
    .footer a:hover {
      text-decoration: underline;
    }