 <!-- Application Process Section -->
 <section id="apply" class="py-16 bg-gray-50 dark:bg-gray-800">
     <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">
         <div class="text-center mb-12">
             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">
                 How to Apply
             </h2>
             <p class="text-lg text-gray-600 dark:text-gray-300 max-w-2xl mx-auto">
                 Simple steps to get the financial assistance you need
             </p>
         </div>

         <div class="grid md:grid-cols-4 gap-8">
             <div class="text-center">
                 <div
                     class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">
                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">1</span>
                 </div>
                 <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Choose Program</h3>
                 <p class="text-gray-600 dark:text-gray-300">Select the grant program that best fits your needs</p>
             </div>

             <div class="text-center">
                 <div
                     class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">
                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">2</span>
                 </div>
                 <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Submit Application</h3>
                 <p class="text-gray-600 dark:text-gray-300">Complete our online application with required documents</p>
             </div>

             <div class="text-center">
                 <div
                     class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">
                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">3</span>
                 </div>
                 <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Review Process</h3>
                 <p class="text-gray-600 dark:text-gray-300">Our team reviews your application within 5-7 business days
                 </p>
             </div>

             <div class="text-center">
                 <div
                     class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">
                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">4</span>
                 </div>
                 <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Receive Funding</h3>
                 <p class="text-gray-600 dark:text-gray-300">Approved grants are disbursed directly to your account</p>
             </div>
         </div>
     </div>
 </section>
