.badge{display:inline-block;padding:.25rem .5rem;border-radius:.375rem;background:#f4d35e;color:#0b132b;font-weight:600}
.card{border:1px solid #e6e6e6;border-radius:1rem;padding:1rem;background:#fff;box-shadow:0 2px 8px rgba(0,0,0,.04)}
.hero{background:linear-gradient(135deg,#0d3b66,#0b132b);color:#fff;padding:60px 20px;border-radius:1.5rem}
.cta-phone{font-size:1.75rem;font-weight:800}
.grid{display:grid;gap:1rem}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width: 768px){.grid-3,.grid-2{grid-template-columns:1fr}}