/* Reset & Base */
* { margin:0; padding:0; box-sizing:border-box; }
body { font-family:'Segoe UI', Tahoma, sans-serif; background:#f4f6f8; color:#333; line-height:1.6; }

/* Hero */
.hero {
  position:relative; height:520px;
  background:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1950&q=80')
    center/cover no-repeat;
  display:flex; align-items:center; justify-content:center;
}
.overlay { position:absolute; inset:0; background:rgba(0,0,0,0.6); }
.hero-content {
  position:relative; text-align:center; color:#fff; padding:0 1rem; max-width:800px;
}
.hero-content h1 { font-size:2.75rem; margin-bottom:.5rem; }
.hero-content p { font-size:1.2rem; margin-bottom:1.5rem; color:#ddd; }
.btn {
  display:inline-block; padding:.85rem 1.75rem; background:#ff6a00; color:#fff;
  text-decoration:none; border-radius:4px; font-weight:bold; transition:background .2s;
}
.btn:hover { background:#e05500; }

/* Features */
.features { padding:3rem 1rem; background:#fff; }
.features h2 { text-align:center; margin-bottom:2rem; font-size:1.85rem; }
.grid {
  display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  gap:1.5rem; max-width:1000px; margin:0 auto;
}
.item {
  background:#fafafa; border:1px solid #e0e0e0; border-radius:8px;
  padding:1.5rem 1rem; text-align:center; transition:transform .2s,box-shadow .2s;
}
.item:hover {
  transform:translateY(-5px); box-shadow:0 8px 20px rgba(0,0,0,0.1);
}
.item img { width:80px; height:80px; margin-bottom:1rem; }

/* Stats */
.stats { padding:3rem 1rem; background:#f9fbfd; }
.stats h2 { text-align:center; margin-bottom:2rem; font-size:1.85rem; }
.stats-grid {
  display:grid; grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
  gap:1.5rem; max-width:800px; margin:0 auto;
}
.stat-item {
  background:#fff; border-radius:8px; padding:1.25rem; text-align:center;
  box-shadow:0 2px 8px rgba(0,0,0,0.05);
}
.stat-item strong { display:block; font-size:2.1rem; color:#ff6a00; }
.stat-item span { font-size:.95rem; color:#555; }

/* Article */
.article { padding:3rem 1rem; background:#fff; }
.article h2 { text-align:center; margin-bottom:2rem; font-size:1.85rem; }
.article article {
  max-width:800px; margin:0 auto; color:#444; line-height:1.8;
}
.article p { margin-bottom:1.25rem; }

/* Testimonials */
.testimonials { padding:3rem 1rem; background:#e8f5fe; }
.testimonials h2 { text-align:center; margin-bottom:2rem; font-size:1.85rem; }
.cards {
  display:flex; flex-wrap:wrap; gap:1rem; justify-content:center;
  max-width:1000px; margin:0 auto;
}
.card {
  background:#fff; padding:1.25rem; border-radius:8px;
  box-shadow:0 2px 12px rgba(0,0,0,0.08); width:260px;
}
.card p { font-style:italic; color:#555; margin-bottom:1rem; }
.card footer { text-align:right; font-size:.9rem; color:#333; }

/* Bottom CTA */
.bottom-cta {
  text-align:center; padding:2rem 1rem; background:#fff;
}
.bottom-cta .btn { font-size:1.1rem; }

/* FAQ */
.faq { padding:3rem 1rem; background:#fff; }
.faq h2 { text-align:center; margin-bottom:2rem; font-size:1.85rem; }
.faq dl { max-width:600px; margin:0 auto; }
.faq dt { font-weight:bold; margin-top:1rem; }
.faq dd { margin-left:1rem; margin-bottom:.75rem; color:#555; }

/* Footer */
footer {
  text-align:center; padding:2rem 1rem; background:#fff;
  font-size:.9rem; color:#666;
}
.disclosure { margin-bottom:1rem; }