*{margin:0;padding:0;box-sizing:border-box;font-family:'Segoe UI',sans-serif;}
body{background:#f5f7fa;color:#333;overflow-x:hidden;}
nav{background:#003366;display:flex;justify-content:space-between;align-items:center;padding:15px 8%;}
.logo{color:#fff;font-size:28px;font-weight:bold;}
nav ul{display:flex;list-style:none;}
nav ul li{margin-left:25px;}
nav ul li a{text-decoration:none;color:#fff;font-weight:500;}

.page-banner{
background:linear-gradient(rgba(0,51,102,.85),rgba(0,51,102,.85)),url('https://images.unsplash.com/photo-1523050854058-8df90110c9f1');
background-size:cover;
background-position:center;
color:#fff;
text-align:center;
padding:120px 8%;
}
.page-banner h1{font-size:55px;margin-bottom:15px;}
.page-banner p{font-size:18px;margin-bottom:25px;}

.btn{
background:#ff9800;
color:#fff;
padding:12px 25px;
text-decoration:none;
border-radius:5px;
}

section{padding:70px 8%;}
.section-title{text-align:center;font-size:36px;color:#003366;margin-bottom:35px;}

.intro p{text-align:center;max-width:1000px;margin:auto;line-height:1.8;}

.highlights{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:25px;
}

.highlight-card,.criteria-card,.faq-item{
background:#fff;
padding:25px;
border-radius:10px;
box-shadow:0 5px 15px rgba(0,0,0,.1);
text-align:center;
}

.highlight-card i{
font-size:50px;
color:#ff9800;
margin-bottom:15px;
}

.steps{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
gap:25px;
}

.step{
background:#fff;
padding:25px;
border-radius:10px;
box-shadow:0 5px 15px rgba(0,0,0,.1);
text-align:center;
}

.step span{
display:inline-block;
width:50px;
height:50px;
line-height:50px;
background:#003366;
color:#fff;
border-radius:50%;
font-size:22px;
margin-bottom:15px;
}

.criteria-grid{
display:grid;
grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
gap:25px;
}

.documents ul{
max-width:700px;
margin:auto;
line-height:2;
}

table{
width:100%;
border-collapse:collapse;
background:#fff;
box-shadow:0 5px 15px rgba(0,0,0,.1);
}

th{
background:#003366;
color:#fff;
}

th,td{
padding:15px;
border:1px solid #ddd;
text-align:center;
}

.application form{
background:#fff;
padding:30px;
border-radius:10px;
box-shadow:0 5px 15px rgba(0,0,0,.1);
}

.form-grid{
display:grid;
grid-template-columns:1fr 1fr;
gap:20px;
}

input,select,textarea{
padding:12px;
border:1px solid #ccc;
border-radius:5px;
width:100%;
}

textarea{
grid-column:1/3;
height:120px;
resize:none;
}

button{
margin-top:20px;
background:#ff9800;
border:none;
padding:12px 25px;
color:#fff;
border-radius:5px;
cursor:pointer;
}

.faq{
background:#eef3f8;
}

.faq-item{
margin-bottom:20px;
text-align:left;
}

footer{
background:#001f3f;
color:#fff;
text-align:center;
padding:20px;
}

@media(max-width:768px){
nav{flex-direction:column;text-align:center;}
nav ul{flex-wrap:wrap;justify-content:center;margin-top:10px;}
.page-banner h1{font-size:34px;}
.section-title{font-size:30px;}
.form-grid{grid-template-columns:1fr;}
textarea{grid-column:auto;}
section{padding:50px 5%;}
}

@media(max-width:480px){
.logo{font-size:24px;}
.page-banner h1{font-size:28px;}
.section-title{font-size:26px;}
}