/* ============================================
   Nelnet Banks – Main Stylesheet
   ============================================ */

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

:root {
  --navy:       #0a1f44;
  --navy-light: #162d5e;
  --teal:       #0d7b74;
  --teal-light: #0fa89e;
  --gold:       #f0a500;
  --white:      #ffffff;
  --off-white:  #f4f7fb;
  --gray-100:   #eef1f6;
  --gray-300:   #c8cfdb;
  --gray-500:   #8891a4;
  --gray-700:   #3d4a60;
  --text:       #1a2640;
  --shadow-sm:  0 2px 8px rgba(10,31,68,.08);
  --shadow-md:  0 6px 24px rgba(10,31,68,.12);
  --shadow-lg:  0 16px 48px rgba(10,31,68,.18);
  --radius:     12px;
  --radius-sm:  8px;
  --transition: .22s ease;
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--white); line-height: 1.6; }

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* ---- UTILITIES ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section--alt { background: var(--off-white); }

/* ---- TOPBAR ---- */
.topbar {
  background: var(--navy);
  color: var(--gray-300);
  font-size: .78rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 32px;
}
.topbar a { color: var(--gray-300); }
.topbar a:hover { color: var(--white); }
.topbar-right { display: flex; align-items: center; gap: 20px; }
.btn-account {
  background: var(--teal);
  color: var(--white) !important;
  padding: 5px 14px;
  border-radius: 20px;
  font-weight: 600;
  transition: background var(--transition);
}
.btn-account:hover { background: var(--teal-light); }

/* ---- HEADER ---- */
.header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 32px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; }
.logo-mark {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 1rem;
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  letter-spacing: -.5px;
}
.logo-mark--sm { width: 32px; height: 32px; font-size: .85rem; }
.logo-text { font-size: 1.15rem; color: var(--navy); }
.logo-text strong { font-weight: 700; }

/* Nav */
.nav { display: flex; gap: 4px; }
.nav-group { position: relative; }
.nav-toggle {
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: .92rem;
  font-weight: 500;
  color: var(--gray-700);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; gap: 4px;
  transition: background var(--transition), color var(--transition);
}
.nav-toggle:hover, .nav-group:hover .nav-toggle {
  background: var(--gray-100);
  color: var(--navy);
}
.chevron { font-size: .75em; transition: transform var(--transition); }
.nav-group:hover .chevron { transform: rotate(180deg); }

.nav-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  min-width: 200px;
  padding: 8px;
  z-index: 200;
}
.nav-group:hover .nav-dropdown { display: flex; flex-direction: column; }
.nav-dropdown a {
  padding: 9px 14px;
  border-radius: var(--radius-sm);
  font-size: .9rem;
  color: var(--gray-700);
  transition: background var(--transition), color var(--transition);
}
.nav-dropdown a:hover { background: var(--off-white); color: var(--navy); }

.hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--navy);
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 13px 26px;
  border-radius: 30px;
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
}
.btn-primary:hover { background: var(--teal-light); border-color: var(--teal-light); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(13,123,116,.3); }

.btn-outline {
  background: transparent;
  color: var(--teal);
  border-color: var(--teal);
}
.btn-outline:hover { background: var(--teal); color: var(--white); }

.btn-ghost {
  background: rgba(255,255,255,.15);
  color: var(--white);
  border-color: rgba(255,255,255,.4);
}
.btn-ghost:hover { background: rgba(255,255,255,.25); }

.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-white:hover { background: var(--off-white); }

.btn-block { width: 100%; justify-content: center; }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1a4080 100%);
  color: var(--white);
  padding: 96px 48px 96px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  min-height: 520px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(13,123,116,.25) 0%, transparent 60%);
  pointer-events: none;
}

.hero-content { max-width: 580px; position: relative; z-index: 1; }
.hero-eyebrow {
  font-size: .82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--teal-light);
  margin-bottom: 16px;
}
.hero-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 5vw, 3.5rem);
  line-height: 1.15;
  margin-bottom: 20px;
  font-weight: 700;
}
.hero-heading em { color: var(--gold); font-style: normal; }
.hero-sub { font-size: 1.08rem; color: rgba(255,255,255,.82); margin-bottom: 32px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-badge {
  position: relative; z-index: 1;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.2);
  backdrop-filter: blur(8px);
  border-radius: var(--radius);
  padding: 32px 40px;
  text-align: center;
  flex-shrink: 0;
}
.badge-num { display: block; font-size: 3rem; font-weight: 700; color: var(--gold); line-height: 1; }
.badge-label { font-size: .85rem; color: rgba(255,255,255,.75); margin-top: 4px; display: block; }

/* ---- TRUST BAR ---- */
.trust-bar {
  background: var(--navy);
  padding: 18px 0;
}
.trust-inner {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  justify-content: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gray-300);
  font-size: .87rem;
}
.trust-icon { font-size: 1.1rem; }

/* ---- SECTION HEADER ---- */
.section-header {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 56px;
}
.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: var(--navy);
  margin-bottom: 12px;
}
.section-header p { color: var(--gray-500); font-size: 1.05rem; }

/* ---- PRODUCT CARDS ---- */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.card--featured {
  border-color: var(--teal);
  box-shadow: 0 0 0 1px var(--teal), var(--shadow-md);
}
.card-tag {
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--teal);
  color: var(--white);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 4px 12px;
  border-radius: 20px;
}
.card-icon { font-size: 2rem; }
.card h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); }
.card-rate { display: flex; flex-direction: column; gap: 2px; }
.rate-val { font-size: 2rem; font-weight: 700; color: var(--teal); line-height: 1; }
.rate-label { font-size: .75rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .5px; }

.card p { color: var(--gray-700); font-size: .93rem; line-height: 1.55; flex: 1; }

.card-list { display: flex; flex-direction: column; gap: 6px; }
.card-list li {
  font-size: .87rem;
  color: var(--gray-700);
  padding-left: 18px;
  position: relative;
}
.card-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.card-link {
  font-size: .88rem;
  color: var(--teal);
  font-weight: 600;
  text-align: center;
  transition: color var(--transition);
}
.card-link:hover { color: var(--navy); }

/* ---- SPLIT SECTION ---- */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 480px;
}
.split-image {
  background: linear-gradient(rgba(10,31,68,.3), rgba(10,31,68,.4)),
              url('https://images.unsplash.com/photo-1556909114-f6e7ad7d3136?w=800&auto=format&fit=crop') center/cover no-repeat;
}
.split-content {
  background: var(--off-white);
  padding: 72px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 20px;
}
.eyebrow {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--teal);
}
.split-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.7rem, 2.5vw, 2.2rem);
  color: var(--navy);
}
.split-content p { color: var(--gray-700); line-height: 1.7; }
.feature-list { display: flex; flex-direction: column; gap: 8px; }
.feature-list li { color: var(--gray-700); font-size: .95rem; }

/* ---- HOW IT WORKS ---- */
.steps {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}
.step {
  flex: 1; min-width: 200px; max-width: 300px;
  text-align: center;
  display: flex; flex-direction: column; align-items: center; gap: 14px;
}
.step-num {
  width: 56px; height: 56px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
}
.step h4 { font-size: 1rem; font-weight: 700; color: var(--navy); }
.step p { font-size: .9rem; color: var(--gray-500); }
.step-arrow {
  font-size: 1.5rem;
  color: var(--gray-300);
  align-self: center;
  margin-top: -8px;
}

/* ---- TESTIMONIALS ---- */
.testimonials {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}
.testimonial {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 32px 28px;
  display: flex; flex-direction: column; gap: 16px;
  box-shadow: var(--shadow-sm);
}
.stars { color: var(--gold); font-size: 1.1rem; letter-spacing: 2px; }
.testimonial p { font-size: .95rem; color: var(--gray-700); line-height: 1.7; font-style: italic; flex: 1; }
.testimonial-author { font-size: .83rem; font-weight: 600; color: var(--gray-500); }

/* ---- CTA BANNER ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-light) 100%);
  padding: 64px 0;
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-inner h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--white);
}
.cta-inner p { color: rgba(255,255,255,.82); margin-top: 6px; }

/* ---- FOOTER ---- */
.footer { background: var(--navy); color: var(--gray-300); padding: 72px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
}
.footer-brand { display: flex; flex-direction: column; gap: 16px; }
.footer-logo { display: flex; align-items: center; gap: 10px; }
.footer-logo .logo-text { color: var(--white); }
.footer-brand p { font-size: .88rem; line-height: 1.6; }
.footer-phone a { color: var(--white); font-weight: 600; }
.footer-badges { display: flex; gap: 8px; flex-wrap: wrap; }
.badge-pill {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  color: var(--gray-300);
  font-size: .72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.footer-col h5 {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--white);
  margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a {
  font-size: .87rem;
  color: var(--gray-500);
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 24px 0;
}
.footer-bottom p {
  font-size: .75rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* ---- LOANS PAGE ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 80px 0;
  text-align: center;
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: 14px;
}
.page-hero p { color: rgba(255,255,255,.78); font-size: 1.1rem; max-width: 520px; margin: 0 auto; }

.loan-detail {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.loan-detail h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 16px;
}
.loan-detail p { color: var(--gray-700); line-height: 1.75; margin-bottom: 20px; }

.rate-table { width: 100%; border-collapse: collapse; }
.rate-table th, .rate-table td {
  padding: 12px 16px;
  text-align: left;
  border-bottom: 1px solid var(--gray-100);
  font-size: .9rem;
}
.rate-table th { background: var(--navy); color: var(--white); font-weight: 600; }
.rate-table tr:hover td { background: var(--off-white); }

/* ---- APPLY FORM ---- */
.apply-form {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-md);
}
.apply-form h3 { font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-group label { font-size: .83rem; font-weight: 600; color: var(--gray-700); }
.form-group input, .form-group select {
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: .93rem;
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(13,123,116,.12);
}
.form-disclaimer { font-size: .77rem; color: var(--gray-500); line-height: 1.5; margin-top: 8px; }

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .topbar { font-size: .72rem; padding: 8px 16px; }
  .topbar-right { gap: 10px; }
  .nav { display: none; }
  .hamburger { display: block; }
  .hero { flex-direction: column; padding: 64px 24px; text-align: center; }
  .hero-actions { justify-content: center; }
  .hero-badge { display: none; }
  .split-section { grid-template-columns: 1fr; }
  .split-image { height: 260px; }
  .split-content { padding: 48px 24px; }
  .cards { grid-template-columns: 1fr; }
  .cta-inner { flex-direction: column; text-align: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .steps { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); }
  .loan-detail { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .trust-inner { gap: 16px; flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; }
  .testimonials { grid-template-columns: 1fr; }
  .apply-form { padding: 24px 20px; }
}