.card-premium{border:none;border-radius:16px;box-shadow:0 8px 32px rgba(0,0,0,0.1);overflow:hidden;transition:all 0.3s ease;background:white}.card-premium:hover{transform:translateY(-8px);box-shadow:0 20px 40px rgba(0,0,139,0.15)}.card-premium .card-header{background:#00008b;color:white;border:none;padding:1.5rem;font-weight:600}.card-premium .card-body{padding:2rem}.program-card{background:white;border-radius:1.5rem;overflow:hidden;box-shadow:0 10px 40px rgba(0,0,0,0.08);transition:all 0.3s ease;border:1px solid rgba(0,0,0,0.05);position:relative}.program-card:hover{transform:translateY(-12px) scale(1.02);box-shadow:0 25px 60px rgba(30,64,175,0.15)}.program-card-header{position:relative;height:220px;overflow:hidden}.program-card-image{width:100%;height:100%;object-fit:cover;transition:transform 0.5s ease}.program-card:hover .program-card-image{transform:scale(1.1)}.program-badge{position:absolute;top:1rem;right:1rem;background:#e80000;color:white;padding:0.25rem 1rem;border-radius:50px;font-size:0.75rem;font-weight:600;z-index:1}.stat-card{text-align:center;padding:2rem;background:white;border-radius:1rem;box-shadow:0 4px 6px rgba(0,0,0,0.07);transition:all 0.3s ease}.stat-card:hover{transform:translateY(-5px);box-shadow:0 10px 25px rgba(0,0,0,0.1)}.stat-number{font-size:2.5rem;font-weight:700;color:#00008b;margin-bottom:0.5rem}.stat-label{color:#6c757d;font-size:0.875rem}.testimonial{background:white;padding:2rem;border-radius:1rem;box-shadow:0 8px 25px rgba(0,0,0,0.1);position:relative}.testimonial::before{content:'"';position:absolute;top:1rem;left:1rem;font-size:4rem;color:rgba(0,0,139,0.1);font-family:serif;line-height:1}.testimonial-content{position:relative;z-index:1;margin-bottom:1.5rem}.testimonial-author{display:flex;align-items:center;gap:1rem}.author-avatar{width:60px;height:60px;border-radius:50%;overflow:hidden;border:3px solid rgba(0,0,139,0.1)}.badge-premium{background:#00008b;color:white;padding:0.5rem 1rem;border-radius:50px;font-weight:600;font-size:0.875rem;text-transform:uppercase;letter-spacing:0.5px}.loading-skeleton{background:#f0f0f0;animation:loading 1.5s infinite}@keyframes loading{0%{background-position:200% 0}100%{background-position:-200% 0}}