/* ===== GLOBAL RESET ===== */
* {
    box-sizing: border-box;
}

body {
    font-family: "Inter", Arial, sans-serif;
    margin: 0;
    background: #f6f9fc;
    color: #1a1a1a;
}

/* ===== HEADER LAYOUT (NERDWALLET STYLE) ===== */
.header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: #0a2540;
    color: #fff;
    padding: 15px 50px;

    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
}

/* LOGO */
.logo {
    font-weight: bold;
    font-size: 18px;
}

/* CENTER NAV */
.nav-center {
    display: flex;
    justify-content: center;
    gap: 30px;
}

.nav-center a {
    color: #fff;
    text-decoration: none;
    font-weight: 600;
}

/* APPLY BUTTON RIGHT */
.apply-btn {
    background: #d4af37;
    padding: 10px 20px;
    border-radius: 6px;
    color: #000;
    text-decoration: none;
}

/* ===== DROPDOWN ===== */
.dropdown {
    position: relative;
}

/* ===== MEGA MENU ===== */
.mega-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(10px);

    width: 95vw;
    max-width: 1000px;

    background: #ffffff;
    display: flex;
    gap: 30px;
    padding: 30px;

    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    border-radius: 12px;

    opacity: 0;
    pointer-events: none;
    transition: all 0.3s ease;
}

/* SHOW */
.dropdown:hover .mega-menu {
    opacity: 1;
    transform: translateX(-50%) translateY(0);
    pointer-events: auto;
}

/* COLUMNS */
.mega-column {
    flex: 1;
}

/* TITLES */
.mega-column h4 {
    margin-bottom: 10px;
    color: #0a2540;
}

/* TEXT */
.mega-column p {
    font-size: 14px;
    color: #555;
    margin-bottom: 10px;
}

/* LINKS */
.mega-column a {
    color: #0a2540;
    font-weight: 600;
}

/* ===== HERO ===== */
.hero {
    height: 450px;
    background: linear-gradient(rgba(10,37,64,0.7), rgba(10,37,64,0.7)), url('../images/finance-bg.jpg');
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

.hero h1 {
    color: #fff;
    font-size: 40px;
    max-width: 700px;
}

/* ===== SECTIONS ===== */
.section {
    padding: 80px 50px;
    max-width: 1200px;
    margin: auto;
}

/* ===== CARDS ===== */
.cards {
    display: flex;
    flex-wrap: wrap;
    gap: 25px;
}

.card {
    background: #fff;
    padding: 25px;
    border-radius: 14px;
    flex: 1;
    min-width: 260px;
    box-shadow: 0 6px 25px rgba(0,0,0,0.06);
    transition: all 0.3s ease;
}

.card:hover {
    transform: translateY(-8px);
}

/* ===== BUTTONS ===== */
button {
    padding: 12px 20px;
    background: #0a2540;
    color: #fff;
    border: none;
    border-radius: 6px;
    cursor: pointer;
}

/* ===== FORM ===== */
input, select, textarea {
    width: 100%;
    padding: 12px;
    margin: 10px 0;
    border-radius: 6px;
    border: 1px solid #ccc;
}

/* ===== FOOTER ===== */
.footer {
    background: #0a2540;
    color: #fff;
    padding: 60px 50px;
}

.footer-columns {
    display: flex;
    flex-wrap: wrap;
    gap: 50px;
}

.footer a {
    color: #fff;
    text-decoration: none;
    display: block;
    margin: 5px 0;
}