.programs-overview-section{background:#fff;padding:80px 5% 60px;position:relative}
.programs-overview-section .container{max-width:1240px;margin:0 auto}
.programs-overview-section .section-lead{max-width:680px;color:#4a5a70;font-size:1rem;line-height:1.6;margin:0 0 40px}
.programs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:8px}
@media(max-width:1100px){.programs-grid{grid-template-columns:1fr;max-width:560px;margin-left:auto;margin-right:auto}}
.program-card{position:relative;background:#fff;border:1.5px solid #e2e8ee;border-radius:16px;padding:32px 30px 30px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;flex-direction:column}
.program-card:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(11,31,58,.09);border-color:#c4d0dc}
.program-card-badge{position:absolute;top:20px;right:20px;font-size:.68rem;font-weight:700;color:#7a8592;letter-spacing:.14em;text-transform:uppercase;background:#f4f6f8;padding:5px 10px;border-radius:20px}
.program-card-badge.new{color:#fff;background:linear-gradient(135deg,#0E7C86,#13A8B4)}
.program-card-icon{width:52px;height:52px;background:linear-gradient(135deg,#0B1F3A 0%,#13425c 100%);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.program-card-icon svg{width:26px;height:26px;stroke:#13A8B4;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.program-card-title{font-size:1.48rem;font-weight:700;color:#0B1F3A;margin:0 0 8px;letter-spacing:-.01em;line-height:1.2}
.program-card-meta{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:16px}
.program-card-meta span{font-size:.74rem;font-weight:600;color:#0E7C86;background:rgba(19,168,180,.1);padding:4px 10px;border-radius:20px;letter-spacing:.02em}
.program-card-desc{font-size:.96rem;line-height:1.58;color:#4a5a70;margin:0 0 18px}
.program-card-list{list-style:none;padding:0;margin:0 0 22px;display:flex;flex-direction:column;gap:8px}
.program-card-list li{display:flex;align-items:flex-start;gap:10px;font-size:.88rem;line-height:1.45;color:#2c3e50}
.program-card-list li::before{content:"";flex-shrink:0;width:16px;height:16px;background:rgba(14,124,134,.12);border-radius:50%;margin-top:2px;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E7C86' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");background-repeat:no-repeat;background-position:center;background-size:10px}
.program-card-cta{display:inline-flex;align-items:center;gap:6px;margin-top:auto;color:#0E7C86;font-weight:700;font-size:.92rem;text-decoration:none;padding:10px 0;border-top:1px solid #ecf0f4;transition:color .15s,gap .15s}
.program-card-cta:hover{color:#13A8B4;gap:10px}
.program-card-cta svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}