/* Hero Section */
.hero {
    position: relative;
    background-color: var(--navy);
    color: var(--white);
    padding: 6rem 0;
    text-align: center;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 800px;
    margin: 0 auto;
}

.hero h1 {
    color: var(--white);
    font-size: 3rem;
    margin-bottom: 1.5rem;
}

.hero p {
    font-size: 1.25rem;
    margin-bottom: 2rem;
    opacity: 0.9;
    color: var(--white);
}

.hero-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    margin: 2rem 0;
    position: relative;
    z-index: 5;
}

.hero-button {
    display: inline-block;
    padding: 1rem 2rem;
    border-radius: 8px;
    font-weight: 600;
    text-decoration: none;
    transition: var(--transition);
    min-width: 160px;
    position: relative;
}

.hero-button-primary {
    background-color: var(--secondary-color);
    color: var(--white);
}

.hero-button-primary:hover {
    background-color: #9a0928;
    transform: translateY(-2px);
}

.hero-button-secondary {
    background-color: var(--white);
    color: var(--navy);
    border: 2px solid var(--secondary-color);
    transition: all 0.3s ease;
}

.hero-button-secondary:hover {
    background-color: transparent;
    color: var(--secondary-color);
    transform: translateY(-2px);
    border-color: var(--secondary-color);
    box-shadow: 0 4px 12px rgba(255, 255, 255, 0.2);
}

/* Hero stats removed pending documentation verification */

/* Value Props Section */
.value-props {
    padding: 5rem 0;
    background-color: var(--white);
}

.value-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 3rem;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

.value-item:last-child {
    grid-column: 2;
    margin-top: 2rem;
}

.value-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 2rem;
    background-color: #ffffff;
    border-radius: 16px;
    transition: var(--transition);
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
}

.value-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 15px rgba(0, 0, 0, 0.1);
}

.value-item i {
    font-size: 2rem;
    color: var(--secondary-color);
    margin-bottom: 1.5rem;
    background: rgba(190, 11, 49, 0.1);
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
}

.value-item:hover i {
    background: var(--secondary-color);
    color: #ffffff;
    transform: scale(1.1);
}

.value-item h3 {
    color: var(--navy);
    font-size: 1.5rem;
    margin-bottom: 1rem;
    font-weight: 600;
}

.value-item p {
    color: var(--text-color);
    font-size: 1rem;
    line-height: 1.6;
    margin: 0;
    opacity: 0.85;
}

/* Testimonials Section */
.testimonials {
    background-color: #f8f9fa;
    padding: 5rem 0;
    text-align: center;
}

.testimonial-carousel {
    max-width: 800px;
    margin: 3rem auto;
    position: relative;
}

.testimonial {
    display: none;
    padding: 2rem;
}

.testimonial.active {
    display: block;
}

.testimonial p {
    font-size: 1.25rem;
    font-style: italic;
    margin-bottom: 1.5rem;
}

.testimonial-author {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.25rem;
}

.carousel-controls {
    display: flex;
    justify-content: center;
    gap: 1rem;
}

.carousel-controls button {
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--navy);
    cursor: pointer;
    transition: color 0.3s ease;
}

.carousel-controls button:hover {
    color: var(--primary-color);
}

/* CTA Section */
.cta-section {
    background-color: var(--navy);
    color: var(--white);
    padding: 5rem 0;
    text-align: center;
}

.cta-section h2 {
    color: var(--white);
    margin-bottom: 1rem;
}

.cta-section p {
    margin-bottom: 2rem;
    font-size: 1.25rem;
}

/* Loan Programs Intro Section */
.loan-programs-intro {
    padding: 5rem 0;
    background-color: #f8f9fa;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 4rem;
}

.section-header h2 {
    color: var(--navy);
    font-size: 2.5rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.section-subtitle {
    color: var(--text-color);
    font-size: 1.25rem;
    line-height: 1.6;
    opacity: 0.85;
}

.programs-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

.program-card {
    background: #ffffff;
    border-radius: 16px;
    padding: 2rem;
    transition: var(--transition);
    position: relative;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.program-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 31, 96, 0.1);
}

.program-icon {
    width: 56px;
    height: 56px;
    background: var(--navy);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.program-icon i {
    color: #ffffff;
    font-size: 1.5rem;
}

.program-card h3 {
    color: var(--navy);
    font-size: 1.25rem;
    margin-bottom: 1rem;
    font-weight: 600;
}

.program-card p {
    color: var(--text-color);
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
    opacity: 0.85;
    flex-grow: 1;
}

.program-link {
    color: var(--secondary-color);
    text-decoration: none;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    transition: all 0.3s ease;
    margin-top: auto;  /* Push to bottom of card */
}

.program-link:hover {
    color: var(--secondary-color);
    transform: translateX(5px);
}

.program-link i {
    font-size: 0.875rem;
    transition: transform 0.3s ease;
}

.program-link:hover i {
    transform: translateX(3px);
}

/* Responsive Styles */
@media (max-width: 768px) {
    .hero {
        padding: 4rem 0;
    }

    .hero h1 {
        font-size: 2.5rem;
    }

    .hero-buttons {
        flex-direction: column;
        align-items: center;
        padding: 0 1rem;
    }

    .hero-button {
        width: 100%;
        max-width: 300px;
    }

    /* Hero stats removed pending documentation verification */

    .value-props {
        padding: 4rem 0;
    }

    .value-grid {
        gap: 2rem;
        padding: 0 1rem;
    }

    .value-item {
        padding: 1.5rem;
    }

    .value-item i {
        font-size: 1.75rem;
        width: 56px;
        height: 56px;
        margin-bottom: 1.25rem;
    }

    .value-item h3 {
        font-size: 1.25rem;
    }
}

@media (max-width: 480px) {
    .hero h1 {
        font-size: 2rem;
    }

    .value-grid {
        grid-template-columns: 1fr;
    }

    .value-item {
        padding: 1.5rem;
    }
}

@media (max-width: 992px) {
    .value-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .value-item:last-child {
        grid-column: 1 / -1;
        max-width: 400px;
        margin: 0 auto;
    }

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

@media (max-width: 576px) {
    .value-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .value-item:last-child {
        grid-column: 1;
        max-width: none;
    }

    .value-props {
        padding: 4rem 0;
    }

    .value-grid {
        padding: 0 1rem;
    }

    .value-item {
        padding: 1.5rem;
    }

    .loan-programs-intro {
        padding: 4rem 0;
    }

    .section-header {
        margin-bottom: 3rem;
    }

    .section-header h2 {
        font-size: 2rem;
    }

    .programs-grid {
        grid-template-columns: 1fr;
        padding: 0 1rem;
    }

    .program-card {
        padding: 1.5rem;
    }
}