* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: Arial, sans-serif;
    line-height: 1.6;
    color: #333;
    background-color: #f4f4f4;
}

.container {
    width: 90%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 15px;
}

header {
    background: #0047ab;
    color: white;
    padding: 10px 0;
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
}

.header-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-size: 24px;
    font-weight: bold;
}

.logo span {
    color: #ffd700;
}

.user-actions a {
    color: white;
    text-decoration: none;
    margin-left: 15px;
    font-size: 14px;
}

.user-actions a:hover {
    text-decoration: underline;
}

nav {
    background: #003380;
    margin-top: 10px;
}

.main-menu {
    list-style: none;
    display: flex;
}

.main-menu li {
    position: relative;
}

.main-menu li a {
    color: white;
    text-decoration: none;
    padding: 15px 20px;
    display: block;
}

.main-menu li a:hover {
    background: #002266;
}

.submenu {
    position: absolute;
    background: white;
    min-width: 200px;
    display: none;
    box-shadow: 0 2px 5px rgba(0,0,0,0.2);
}

.submenu li a {
    color: #333;
    border-bottom: 1px solid #eee;
}

.submenu li a:hover {
    background: #f0f0f0;
}

.has-submenu:hover .submenu {
    display: block;
}

.hero {
    background: linear-gradient(rgba(0,0,0,0.5), rgba(0,0,0,0.5)), 
                url('https://concepto.de/wp-content/uploads/2015/03/banco-1-e1550170642481.jpg');
    background-size: cover;
    background-position: center;
    color: white;
    text-align: center;
    padding: 150px 0 100px;
    margin-top: 70px;
}

.hero h1 {
    font-size: 36px;
    margin-bottom: 20px;
}

.hero p {
    font-size: 18px;
    max-width: 600px;
    margin: 0 auto 30px;
}

.btn {
    display: inline-block;
    background: #28a745;
    color: white;
    padding: 12px 30px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: bold;
}

.btn:hover {
    background: #218838;
}

section {
    padding: 60px 0;
}

.section-title {
    text-align: center;
    margin-bottom: 40px;
}

.section-title h2 {
    color: #0047ab;
    font-size: 28px;
    margin-bottom: 10px;
}

.services {
    background: white;
}

.services-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 30px;
    justify-content: center;
}

.service-card {
    background: #f9f9f9;
    padding: 30px;
    text-align: center;
    border-radius: 5px;
    flex: 1;
    min-width: 300px;
    max-width: 350px;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 5px 15px rgba(0,0,0,0.1);
}

.service-card i {
    font-size: 40px;
    margin-bottom: 20px;
    display: block;
}

.service-card h3 {
    color: #0047ab;
    margin-bottom: 15px;
}

.products {
    background: #f0f8ff;
}

.tabs {
    display: flex;
    justify-content: center;
    margin-bottom: 30px;
    flex-wrap: wrap;
}

.tab {
    background: #ddd;
    border: none;
    padding: 10px 20px;
    margin: 5px;
    cursor: pointer;
}

.tab-content {
    display: none;
}

.tab-content.active {
    display: block;
}

.product-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    justify-content: center;
}

.product-card {
    background: white;
    padding: 20px;
    border-radius: 5px;
    flex: 1;
    min-width: 250px;
    max-width: 300px;
    box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.product-card h3 {
    color: #0047ab;
    margin-bottom: 10px;
}

.news-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 30px;
    justify-content: center;
}

.news-card {
    background: white;
    border-radius: 5px;
    overflow: hidden;
    flex: 1;
    min-width: 300px;
    max-width: 350px;
    box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.news-img {
    height: 200px;
    background: #ddd;
    background-size: cover;
    background-position: center;
}

.news-content {
    padding: 20px;
}

.news-date {
    color: #28a745;
    font-size: 14px;
    margin-bottom: 10px;
}

.news-card h3 {
    color: #0047ab;
    margin-bottom: 10px;
}

footer {
    background: #00264d;
    color: white;
    padding: 50px 0 20px;
}

.footer-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 30px;
    margin-bottom: 30px;
}

.footer-column {
    flex: 1;
    min-width: 200px;
}

.footer-column h3 {
    margin-bottom: 20px;
    font-size: 18px;
}

.footer-column ul {
    list-style: none;
}

.footer-column ul li {
    margin-bottom: 10px;
}

.footer-column ul li a {
    color: #ccc;
    text-decoration: none;
}

.footer-column ul li a:hover {
    color: white;
    text-decoration: underline;
}

.copyright {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid #004080;
    color: #ccc;
    font-size: 14px;
}