.loan-programs-section {
    padding: 0;
}

.program-card {
    box-shadow: 0 2px 15px rgba(0, 0, 0, 0.04);
    transition: all 0.3s ease;
    border: 1px solid rgba(0, 0, 0, 0.05);
    overflow: hidden;
}

.program-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.08);
}

.program-icon {
    opacity: 0.9;
    transition: all 0.3s ease;
}

.program-card:hover .program-icon {
    opacity: 1;
    transform: scale(1.1);
}

.program-card h4 {
    font-size: 1.5rem;
    color: #2d3436;
}

.program-card .d-flex.align-items-center {
    color: #636e72;
    font-size: 0.95rem;
}

.program-card i {
    font-size: 1.1rem;
}

.program-card .stretched-link::after {
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    left: 0;
    z-index: 1;
    content: "";
}

@media (max-width: 768px) {
    .program-card {
        margin-bottom: 1rem;
    }

    .program-icon i {
        font-size: 2rem;
    }
}

.program-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(180deg, rgba(0, 0, 0, 0.2) 0%, rgba(0, 0, 0, 0.7) 100%);
}

.program-icon {
    position: absolute;
    bottom: -30px;
    left: 30px;
    width: 60px;
    height: 60px;
    background: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.1);
    z-index: 1;
}

.program-icon i {
    font-size: 1.5rem;
    color: var(--bs-primary);
}

.program-content {
    padding: 1.5rem;
    flex: 1;
}

.program-content h4 {
    margin-bottom: 0.75rem;
    font-weight: 600;
    font-size: 1.25rem;
}

.program-description {
    color: #666;
    margin-bottom: 1rem;
    font-size: 0.9rem;
    line-height: 1.4;
}

.program-features {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-bottom: 1rem;
}

.feature {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 0.75rem;
    background: rgba(0, 0, 0, 0.03);
    border-radius: 10px;
}

.feature i {
    font-size: 1.25rem;
    flex-shrink: 0;
}

.feature-details {
    display: flex;
    flex-direction: column;
}

.feature-details .label {
    font-size: 0.8rem;
    color: #666;
    margin-bottom: 0.2rem;
}

.feature-details .value {
    font-weight: 600;
    color: #333;
}

.program-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--bs-primary);
    text-decoration: none;
    font-weight: 500;
    transition: all 0.3s ease;
}

.program-link:hover {
    gap: 0.75rem;
    color: var(--bs-primary);
}

@media (max-width: 992px) {
    .program-card {
        flex-direction: column;
    }

    .program-image {
        width: 100%;
        height: 200px;
    }

    .program-features {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 576px) {
    .program-features {
        grid-template-columns: 1fr;
    }

    .program-image {
        height: 160px;
    }

    .program-content {
        padding: 1rem;
    }
}