body {
    margin: 0;
    font-family: 'Segoe UI', sans-serif;
    background: #f4f6f9;
}

/* Section */
.panel-section {
    padding: 50px 20px;
    text-align: center;
}

/* Title */
.section-title {
    font-size: 32px;
    color: #1f3c88;
    margin-bottom: 40px;
    font-weight: 600;
}

/* Panel Layout */
.panel-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    max-width: 1200px;
    margin: auto;
}

/* Card */
.panel-card {
    background: #ffffff;
    border-radius: 12px;
    padding: 25px;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border-top: 5px solid #f4b41a;
}

/* Hover Effect */
.panel-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 28px rgba(0, 0, 0, 0.15);
}

/* Card Title */
.panel-card h3 {
    font-size: 22px;
    color: #1f3c88;
    margin-bottom: 15px;
}

/* Card Text */
.panel-card p {
    font-size: 15px;
    color: #555;
    line-height: 1.7;
}