.loan_apply_stern_bg_banner {
    background: url('/viewPagesAssets/img/stern-banner-bg-img.png');
    background-size: 100% 100%;
}
.loan_apply_stern_heading p {
    color: #999 !important;
}

.loan_apply_stern_bg_banner .btn_six {
    font: 500 16px / 20px "Jost Medium", sans-serif;
    border-radius: 16px;
}

.transforming_futures_sec::before, .testimonials_sec::before {
    content: "";
    position: absolute;
    transform: translate(50%, 50%);
    height: 50%;
    width: 50%;
    border-radius: 50%;
    background: linear-gradient(90deg, rgba(127, 239, 189, 1) 0%, rgba(203, 250, 85, 1) 60%, rgba(253, 196, 90, 1) 100%);
    filter: blur(200px);
    opacity: 0.9;
    z-index: -1;
}

.yellow-check-list, .green-check-list {
    list-style-type: none;
    position: relative;
}

.yellow-check-list li, .green-check-list li {
    font-size: 16px;
}

.ready-to-apply .sec_title h2, .green-check-list li {
    color: #1D431A;
}

.yellow-check-list li {
    color: #fff;
}

.yellow-check-list li::before, .green-check-list li::before {
    content: "";
    position: absolute;
    left: 0;
    background-image: url("data:image/svg+xml,%3Csvg width='15' height='15' viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M8.6 14.6L15.65 7.55L14.25 6.15L8.6 11.8L5.75 8.95L4.35 10.35L8.6 14.6ZM10 20C8.61667 20 7.31667 19.7375 6.1 19.2125C4.88333 18.6875 3.825 17.975 2.925 17.075C2.025 16.175 1.3125 15.1167 0.7875 13.9C0.2625 12.6833 0 11.3833 0 10C0 8.61667 0.2625 7.31667 0.7875 6.1C1.3125 4.88333 2.025 3.825 2.925 2.925C3.825 2.025 4.88333 1.3125 6.1 0.7875C7.31667 0.2625 8.61667 0 10 0C11.3833 0 12.6833 0.2625 13.9 0.7875C15.1167 1.3125 16.175 2.025 17.075 2.925C17.975 3.825 18.6875 4.88333 19.2125 6.1C19.7375 7.31667 20 8.61667 20 10C20 11.3833 19.7375 12.6833 19.2125 13.9C18.6875 15.1167 17.975 16.175 17.075 17.075C16.175 17.975 15.1167 18.6875 13.9 19.2125C12.6833 19.7375 11.3833 20 10 20Z' fill='%23FFC703'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
    height: 20px;
    width: 20px;
    margin-top: 5px;
}

.green-check-list li::before {
    background-image: url("data:image/svg+xml,%3Csvg width='15' height='15' viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M8.6 14.6L15.65 7.55L14.25 6.15L8.6 11.8L5.75 8.95L4.35 10.35L8.6 14.6ZM10 20C8.61667 20 7.31667 19.7375 6.1 19.2125C4.88333 18.6875 3.825 17.975 2.925 17.075C2.025 16.175 1.3125 15.1167 0.7875 13.9C0.2625 12.6833 0 11.3833 0 10C0 8.61667 0.2625 7.31667 0.7875 6.1C1.3125 4.88333 2.025 3.825 2.925 2.925C3.825 2.025 4.88333 1.3125 6.1 0.7875C7.31667 0.2625 8.61667 0 10 0C11.3833 0 12.6833 0.2625 13.9 0.7875C15.1167 1.3125 16.175 2.025 17.075 2.925C17.975 3.825 18.6875 4.88333 19.2125 6.1C19.7375 7.31667 20 8.61667 20 10C20 11.3833 19.7375 12.6833 19.2125 13.9C18.6875 15.1167 17.975 16.175 17.075 17.075C16.175 17.975 15.1167 18.6875 13.9 19.2125C12.6833 19.7375 11.3833 20 10 20Z' fill='%231D431A'/%3E%3C/svg%3E");
}

.stats-banner{
    max-width: 800px;
    margin: 0 auto;
}

.stat-card{
    border-radius: 14px;
    position: relative;
}

.stat-card div {
    line-height: 2px;
}

.stat-card h2{
    font-size: 42px;
    font-weight: 700;
    margin-bottom: 4px;
    line-height: 1;
}

.stat-card p{
    margin: 0;
    font-size: 15px;
    font-weight: 500;
}

.dark-card{
    background: #11181D;
    color: #fff;
}

.green-card{
    background: #B7D63C;
    color: #111;
}

.orange-card{
    background: #FF6B00;
    color: #fff;
}

.students-card{
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.student-wrapper{
    background: #F4BE00;
    border-radius: 14px;
    display: flex;
    justify-content: end;
}

.bg_color{
    background: #EEF3EC;
}

.loan-form-wrapper{
    border-radius: 22px;
    overflow: hidden;
    box-shadow: 0 12px 35px rgba(0,0,0,0.08);
}

.loan-form-card{
    background: #fff;
    padding: 25px;
}

.form-title{
    font-weight: 700;
    color: #00796B;
    margin-bottom: 12px;
}

.country-code{
    max-width: 90px;
}

.form-btn{
    height: 54px;
    border-radius: 12px;
    background: #00796B;
    color: #fff;
    font-weight: 600;
    border: none;
    transition: 0.3s;
}

.form-btn:hover{
    background: #00685c;
    color: #fff;
}

.form-note{
    font-size: 12px;
    color: #8A8A8A;
    text-align: center;
    margin-top: 6px;
    line-height: 1.6;
}

.stern-form input[type="text"],
.stern-form input[type="tel"],
.stern-form .form-select {
    background-color: #F2F4F6;
}

.right-side-wrapper {
    background-image: url(/viewPagesAssets/img/education-loan-form-img.png);
    background-size: cover;
    background-position: center;
}

.right-side-wrapper li::marker {
    color: #F4BE00;
    font-size: 1.2rem;
}

.loan_apply_stern_heading .stern_scl p {
    color: #007A7A !important;
    border-radius: 43px;
    padding: 4px 30px;
}

.advantage_bg {
    position: absolute;
    left: 0;
    top: 0;
    z-index: -1;
}

.advantage_section {
    background: url('/viewPagesAssets/img/adavantage_bg_img.png');
    background-size: cover;
}

.domestic_advantage_card,
.uae_advantage_card {
    position: relative;
    background: #fff;
    border-radius: 32px !important;
    padding: 10px 30px;
    overflow: hidden;
    height: 100%;
    z-index: 1;
}

.domestic_advantage_card::before,
.uae_advantage_card::before {
    content: "";
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    top: -70px;
    right: -70px;
    z-index: -1;
}
.domestic_advantage_card::before {
    background: #f1f1f1;
}
.uae_advantage_card::before {
    background: #FFC7031A;
}

.badge_icon{
    width: 16px;
    height: 16px;
    object-fit: contain;
}

.card_desc {
    color: #666;
    font-size: 15px;
    margin-bottom: 0;
}

.feature_box h6 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: #222;
}

.feature_box p {
    color: #666;
    font-size: 14px;
    line-height: 1.6;
    margin: 0;
}

.badge_label p{
    font-weight: 600;
    border-radius: 43px;
    padding: 4px 30px;
}

.badge_label .gold {
    background: #FFC70333;
    color: #765B00;
}
.badge_label .blue {
    background: #0067631A;
    color: #007A7A;
}

.badge_label img {
    position: absolute;
    top: 10px;
    left: 8px;
}

.advantage-of-uae img {
    position: absolute;
    top: -45px;
}

.ready-to-apply {
    background-image: url(/viewPagesAssets/img/academic_year_img.png);
    background-size: 100% 100%;
    background-repeat: no-repeat;
    background-position: bottom;
}

.ready-to-apply-wrapper {
    margin-left: 18%;
}

.education-loan-student {
    border-radius: 24px;
    padding: 50px 20px;
}

.education-loan-apply-process {
    padding: 50px;
}

.stern-loan-number {
    background: #F4BE00;
    min-width: 40px;
    min-height: 40px;
    border-radius: 50px;
    display: flex;
    justify-content: center;
    align-items: center;
}

.education-loan-apply-process .loan-process {
    line-height: 20px;
}

.learn-more-btn {
    border-radius: 16px;
}

.interest-type-card {
    padding: 18px;
}

.empowering-card{
    position: relative;
    border-radius: 30px;
    overflow: hidden;
    padding: 60px;
    min-height: 420px;
    background-image: url('/viewPagesAssets/img/empowring-ambition-img.png');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.empowering-content{
    position: relative;
    z-index: 2;
    width: 50%;
    color: #fff;
}

.tag{
    display:inline-block;
    background:#FFC7034A;
    color:#FFC703;
    font-size:12px;
    font-weight:600;
    padding:6px 14px;
    border-radius:20px;
    margin-bottom:20px;
}

.empowering-content h2{
    font-size:42px;
    line-height:1.2;
    font-weight:700;
    margin-bottom:20px;
}

.empowering-content p{
    font-size:18px;
    line-height:1.8;
    color:#fff;
    margin-bottom:35px;
}

.stats{
    display:flex;
    gap:50px;
    margin-bottom:35px;
}

.stats h3{
    color:#ffc107;
    font-size:34px;
    margin-bottom:5px;
    font-weight:700;
}

.stats span{
    font-size:18px;
}

.learn-btn{
    display:inline-block;
    background: linear-gradient(135deg, #006763 0%, #5E9937 100%);
    color:#fff;
    padding:14px 28px;
    border-radius:12px;
    text-decoration:none;
    font-weight:600;
    transition:0.3s;
}

.testimonial-card {
    background: #fff;
    border-radius: 24px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.testimonial-card .testimonial-stars i {
    color: #765B00;
}

.author-message {
    display: block;
    height: 80px;
    overflow-y: auto;
    padding-right: 10px;
}

.author-message::-webkit-scrollbar {
  width: 5px;
}

.author-message::-webkit-scrollbar-track {
  background-color: #f1f1f1;
}

.author-message::-webkit-scrollbar-thumb {
  background-color: #00A19B;
  border-radius: 10px;
}

.author-section {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-top: 0.8rem;
    border-top: 1px solid #eef2f8;
    padding-top: 1.4rem;
}

.avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    box-shadow: 0 6px 12px -8px rgba(0,0,0,0.2);
    flex-shrink: 0;
    transition: transform 0.2s ease;
    overflow: hidden;
}

.avatar img {
    width: 52px;
    height: 52px;
}

.author-info {
    line-height: 1.4;
}

.author-name {
    font-weight: 700;
    font-size: 1.07rem;
    letter-spacing: -0.2px;
    display: flex;
    align-items: baseline;
    flex-wrap: wrap;
    gap: 0.3rem;
}

.author-detail {
    font-size: 0.8rem;
    color: #6D7A78;
    margin-top: 0.2rem;
    font-weight: 450;
}

button.modal-close {
    position: absolute;
    right: 0;
    top: 0;
    font-size: 2rem;
    border: 0;
    background: none;
    color: #007A7A;
}

.btn.btn-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    text-align: left;
    gap: 15px;
}

.btn.btn-link .content-wrapper {
    display: flex;
    flex-direction: column;
}
.accordion-header::after {
    width: 3.25rem;
    height: 3.25rem;
    content: "\f282";
    font-family: "bootstrap-icons";
    background: #007A7A;
    color: #fff;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    position: absolute;
    right: 1rem;
    top: 50%;
    transform: translateY(-50%);
    font-size: 25px;
    z-index: 2;
    animation: pulseMain 1.8s ease-in-out infinite;
}
.accordion-header::before {
    content: "";
    position: absolute;
    right: 0.75rem;
    top: 50%;
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 50%;
    background: rgba(92, 159, 159, 0.35);
    transform: translateY(-50%);
    z-index: 1;
    animation: pulseLayer 1.8s ease-out infinite;
}
.accordion-header:not(.collapsed)::after {
    content: "\f286";
}

@keyframes pulseMain {
    0% {
        transform: translateY(-50%) scale(1);
    }
    50% {
        transform: translateY(-50%) scale(1.1);
    }
    100% {
        transform: translateY(-50%) scale(1);
    }
}

@keyframes pulseLayer {
    0% {
        transform: translateY(-50%) scale(0.9);
        opacity: 0.6;
    }
    70% {
        transform: translateY(-50%) scale(1.6);
        opacity: 0;
    }
    100% {
        transform: translateY(-50%) scale(1.8);
        opacity: 0;
    }
}

@media (max-width: 1100px) {
    .ready-to-apply-wrapper {
        margin-left: 24%;
    }
}

@media (max-width: 991px) {
    .ready-to-apply {
        background-image: none;
        background: #FFC703;
    }
    .ready-to-apply-wrapper {
        margin-left: 0;
    }
    .stern_banner_bg {
        background: linear-gradient(180deg, rgba(255, 199, 3, 0.1) 0%, rgba(255, 199, 3, 0) 100%);
    }

    .stat-card .students-img {
        margin-left: -32px;
    }

    .loan-form-card{
        padding: 32px 24px;
    }
    .advantage_section {
        padding: 70px 0;
    }

    .domestic_advantage_card,
    .uae_advantage_card {
        padding: 32px 28px;
        border-radius: 24px;
    }
     .advantage_section {
        background: linear-gradient(135deg, #006763 0%, #00837E 100%);
    }

    .empowering-card{
        display: flex;
        align-items: center;     
        justify-content: center; 
        text-align: center;
        min-height: 500px;
        padding: 40px 30px;
    }

    .empowering-content{
        width: 100%;
        margin: 0 auto;
    }

    .stats{
        justify-content: center;
    }
}

@media (max-width: 767px) {
    .loan_apply_stern_bg_banner {
        background: linear-gradient(180deg, rgba(255, 199, 3, 0.1) 0%, rgba(255, 199, 3, 0) 100%);
    }

    .domestic_advantage_card,
    .uae_advantage_card {
        padding: 28px 22px;
    }

    .domestic_advantage_card::before,
    .uae_advantage_card::before {
        width: 140px;
        height: 140px;
        top: -55px;
        right: -55px;
    }

    .card_desc {
        font-size: 14px;
    }

    .feature_box h6 {
        font-size: 15px;
    }

    .feature_box p {
        font-size: 13px;
    }

    .badge_label img {
        display: none;
    }

    .education-loan-apply-process {
        padding: 30px;
    }
}

@media (max-width: 575px) {
    .right-side-wrapper {
        background: linear-gradient(135deg, #006763 0%, #00837E 100%);
    }
    .right-side-wrapper div {
        padding: 14px;
    }
    .advantage_section {
        padding: 50px 0;
    }

    .domestic_advantage_card,
    .uae_advantage_card {
        padding: 24px 18px;
        border-radius: 20px;
    }

    .badge_label {
        padding: 7px 14px;
    }

    .loan-form-card {
        padding: 20px 10px;
    }
    
    .apply-now-form {
        padding: 0 !important;
    }
}