.va-page {
    background:
        radial-gradient(circle at top left, rgba(61, 99, 255, .12), transparent 28%),
        linear-gradient(180deg, #f6f8fc 0%, #eef2f8 100%);
    color: #122033;
}

.va-shell {
    width: min(1180px, calc(100% - 32px));
    margin: 0 auto;
}

.va-breadcrumb {
    padding: 18px 0 0;
}

.va-breadcrumb__list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    list-style: none;
    margin: 0;
    padding: 0;
    font-size: 13px;
    color: #6c7891;
}

.va-breadcrumb__list a {
    color: #5f6f8f;
    text-decoration: none;
}

.va-breadcrumb__list li:not(:last-child)::after {
    content: "/";
    margin-left: 8px;
    opacity: .45;
}

.va-hero {
    padding: 28px 0 28px;
    margin-top: 60px;
}

.va-hero__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.35fr) 360px;
    gap: 24px;
    align-items: stretch;
}

.va-hero__main,
.va-spotlight-card,
.va-info-card,
.va-tip-card,
.va-link-card,
.va-faq__item,
.va-compare-card,
.va-step-card {
    border: 1px solid rgba(18, 32, 51, .08);
    box-shadow: 0 16px 42px rgba(18, 32, 51, .08);
}

.va-hero__main {
    background: linear-gradient(135deg, #ffffff 0%, #f8fbff 100%);
    border-radius: 28px;
    padding: 38px;
    position: relative;
    overflow: hidden;
}

.va-hero__main::after {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 220px;
    height: 220px;
    background: radial-gradient(circle, rgba(61, 99, 255, .16), transparent 68%);
    pointer-events: none;
}

.va-kicker-wrap {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 14px;
}

.va-kicker,
.va-chip,
.va-section-kicker,
.va-link-card__tag,
.va-spotlight-card__eyebrow {
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    padding: 7px 12px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .02em;
}

.va-kicker,
.va-section-kicker,
.va-spotlight-card__eyebrow {
    background: rgba(61, 99, 255, .1);
    color: #2d4fe6;
}

.va-chip {
    background: rgba(13, 186, 117, .12);
    color: #058a55;
}

.va-title {
    margin: 0 0 14px;
    font-size: clamp(32px, 4vw, 54px);
    line-height: 1.02;
    letter-spacing: -.03em;
}

.va-lead {
    font-size: 18px;
    line-height: 1.7;
    color: #50607e;
    max-width: 760px;
    margin: 0;
}

.va-hero__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 26px 0 22px;
}

.va-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 50px;
    padding: 0 20px;
    border-radius: 16px;
    font-weight: 700;
    text-decoration: none;
    transition: .2s ease;
}

.va-btn--primary {
    background: linear-gradient(135deg, #2558ff 0%, #3f7cff 100%);
    color: #fff;
    box-shadow: 0 14px 34px rgba(37, 88, 255, .26);
}

.va-btn--primary:hover {
    transform: translateY(-1px);
    color: #fff;
}

.va-btn--ghost {
    background: #fff;
    color: #1d2a40;
    border: 1px solid rgba(29, 42, 64, .1);
}

.va-btn--ghost:hover {
    color: #1d2a40;
    text-decoration: none;
    transform: translateY(-1px);
}

.va-btn--block {
    width: 100%;
}

.va-mini-points {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
}

.va-mini-point {
    background: rgba(255, 255, 255, .82);
    border: 1px solid rgba(18, 32, 51, .06);
    border-radius: 18px;
    padding: 14px 16px;
}

.va-mini-point strong {
    display: block;
    font-size: 14px;
    color: #122033;
}

.va-mini-point span {
    display: block;
    margin-top: 4px;
    font-size: 13px;
    color: #6b7891;
}

.va-spotlight-card {
    background: linear-gradient(180deg, #15253d 0%, #0f1c2f 100%);
    color: #fff;
    border-radius: 28px;
    padding: 28px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.va-spotlight-card h2 {
    margin: 10px 0 10px;
    font-size: 26px;
    line-height: 1.12;
    color: #cdcdcd;
}

.va-spotlight-card p {
    color: rgba(255, 255, 255, .78);
    line-height: 1.7;
}

.va-stat-list {
    display: grid;
    gap: 12px;
    margin: 22px 0;
}

.va-stat {
    background: rgba(255, 255, 255, .06);
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 18px;
    padding: 14px 16px;
}

.va-stat__label {
    display: block;
    font-size: 12px;
    color: rgba(255, 255, 255, .6);
    margin-bottom: 5px;
}

.va-stat__value {
    display: block;
    font-size: 15px;
}

.va-section {
    padding: 34px 0;
}

.va-section--soft {
    background: rgba(255, 255, 255, .55);
    border-top: 1px solid rgba(18, 32, 51, .04);
    border-bottom: 1px solid rgba(18, 32, 51, .04);
}

.va-section--dark {
    background: linear-gradient(135deg, #16253c 0%, #0c1727 100%);
    color: #fff;
}

.va-section-head {
    margin-bottom: 20px;
}

.va-section-head h2 {
    margin: 10px 0 0;
    font-size: clamp(26px, 3vw, 38px);
    line-height: 1.08;
    letter-spacing: -.02em;
}

.va-section-head--light h2 {
    color: #fff;
}

.va-copy {
    color: #56657f;
    line-height: 1.9;
    font-size: 17px;
}

.va-copy--narrow {
    max-width: 920px;
}

.va-card-grid {
    display: grid;
    gap: 18px;
}

.va-card-grid--3 {
    grid-template-columns: repeat(3, 1fr);
}

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

.va-info-card,
.va-tip-card,
.va-link-card,
.va-faq__item,
.va-compare-card,
.va-step-card {
    background: #fff;
    border-radius: 24px;
    padding: 24px;
}

.va-info-card__icon {
    width: 42px;
    height: 42px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
    background: rgba(61, 99, 255, .1);
    color: #2d4fe6;
    font-weight: 800;
}

.va-info-card h3,
.va-tip-card h3,
.va-compare-card h3,
.va-step-card h3,
.va-faq__item h3 {
    margin: 0 0 10px;
    font-size: 19px;
    color: #122033;
}

.va-info-card p,
.va-tip-card p,
.va-compare-card li,
.va-step-card p,
.va-faq__item p {
    margin: 0;
    color: #62708a;
    line-height: 1.75;
}

.va-split-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.va-compare-card--plus {
    background: linear-gradient(180deg, #ffffff 0%, #f8fffb 100%);
}

.va-compare-card--minus {
    background: linear-gradient(180deg, #ffffff 0%, #fff9f9 100%);
}

.va-list-check {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 12px;
}

.va-list-check li {
    position: relative;
    padding-left: 22px;
}

.va-list-check li::before {
    content: "•";
    position: absolute;
    left: 0;
    top: 0;
    color: #2d4fe6;
    font-weight: 900;
}

.va-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}

.va-step-card {
    background: rgba(255, 255, 255, .96);
}

.va-step-card__num {
    display: inline-flex;
    width: 40px;
    height: 40px;
    border-radius: 12px;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
    background: rgba(37, 88, 255, .12);
    color: #2558ff;
    font-weight: 800;
}

.va-link-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.va-link-card {
    text-decoration: none;
    color: #122033;
    transition: .2s ease;
}

.va-link-card:hover {
    transform: translateY(-3px);
    text-decoration: none;
    color: #122033;
}

.va-link-card strong {
    display: block;
    font-size: 18px;
    margin: 10px 0 6px;
}

.va-link-card small {
    color: #6c7891;
    line-height: 1.6;
}

.va-faq {
    display: grid;
    gap: 16px;
}

.va-cta-final {
    padding: 12px 0 50px;
}

.va-cta-final__box {
    background: linear-gradient(135deg, #1c3358 0%, #284d89 100%);
    color: #fff;
    border-radius: 30px;
    padding: 30px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    box-shadow: 0 20px 48px rgba(27, 51, 91, .24);
}

.va-cta-final__box h2 {
    margin: 10px 0 10px;
    font-size: clamp(28px, 3vw, 40px);
    line-height: 1.04;
    color: #fff;
}

.va-cta-final__box p {
    margin: 0;
    color: rgba(255, 255, 255, .82);
    max-width: 720px;
    line-height: 1.75;
}

@media (max-width:1080px) {

    .va-hero__grid,
    .va-card-grid--3,
    .va-link-cards,
    .va-steps {
        grid-template-columns: 1fr 1fr;
    }

    .va-hero__aside {
        grid-column: 1/-1;
    }
}

@media (max-width:768px) {
    .va-shell {
        width: min(100% - 20px, 1180px);
    }

    .va-hero__grid,
    .va-card-grid--3,
    .va-card-grid--2,
    .va-split-grid,
    .va-link-cards,
    .va-steps,
    .va-mini-points,
    .va-cta-final__box {
        grid-template-columns: 1fr;
        display: grid;
    }

    .va-hero__main,
    .va-spotlight-card,
    .va-info-card,
    .va-tip-card,
    .va-link-card,
    .va-faq__item,
    .va-compare-card,
    .va-step-card,
    .va-cta-final__box {
        border-radius: 22px;
    }

    .va-hero__main {
        padding: 26px 20px;
    }

    .va-spotlight-card,
    .va-info-card,
    .va-tip-card,
    .va-link-card,
    .va-faq__item,
    .va-compare-card,
    .va-step-card {
        padding: 20px;
    }

    .va-title {
        font-size: 34px;
    }

    .va-lead {
        font-size: 16px;
    }

    .va-section {
        padding: 28px 0;
    }
}

.va-market-box {
    background: linear-gradient(135deg, #ffffff 0%, #f7faff 100%);
    border: 1px solid rgba(18, 32, 51, .08);
    box-shadow: 0 14px 34px rgba(18, 32, 51, .07);
    border-radius: 26px;
    padding: 26px;
}

.va-market-box h2 {
    margin: 10px 0;
    font-size: 30px;
    line-height: 1.08;
}

.va-market-box p {
    margin: 0;
    color: #61708a;
    line-height: 1.8;
    max-width: 860px;
}

.va-pill-list {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.va-pill {
    display: inline-flex;
    align-items: center;
    min-height: 40px;
    padding: 0 14px;
    border-radius: 999px;
    background: #fff;
    border: 1px solid rgba(18, 32, 51, .08);
    box-shadow: 0 10px 24px rgba(18, 32, 51, .05);
    font-size: 14px;
    font-weight: 600;
    color: #22314a;
}

.va-link-cards--3 {
    grid-template-columns: repeat(3, 1fr);
}

@media (max-width:1080px) {
    .va-link-cards--3 {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width:768px) {
    .va-link-cards--3 {
        grid-template-columns: 1fr;
    }
}

.va-section--market {
    position: relative;
    padding: 56px 0;
}

.va-section--market .va-shell {
    width: 100%;
}

.va-section-head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 20px;
    margin-bottom: 24px;
}

.va-section-head>div {
    min-width: 0;
}

.va-section-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 10px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(16, 24, 40, .05);
    color: #475467;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    line-height: 1;
}

.va-section-head h2 {
    margin: 0;
    /* color: #101828;*/
    font-size: clamp(28px, 3vw, 38px);
    line-height: 1.1;
    font-weight: 800;
    letter-spacing: -.03em;
}

.va-section-subtitle {
    margin: 12px 0 0;
    max-width: 760px;
    color: #667085;
    font-size: 15px;
    line-height: 1.7;
}

.va-card-grid {
    display: grid;
    gap: 18px;
}

.va-card-grid--4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.va-info-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 220px;
    padding: 22px;
    border: 1px solid rgba(16, 24, 40, .08);
    border-radius: 24px;
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
    box-shadow: 0 10px 30px rgba(16, 24, 40, .06);
    transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
    overflow: hidden;
}

.va-info-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #0f172a 0%, #334155 100%);
    opacity: .08;
}

.va-info-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 18px 40px rgba(16, 24, 40, .10);
    border-color: rgba(16, 24, 40, .14);
}

.va-info-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 16px;
}

.va-info-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 16px;
    background: linear-gradient(180deg, #111827 0%, #1f2937 100%);
    color: #fff;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .04em;
    box-shadow: 0 10px 20px rgba(15, 23, 42, .18);
    flex: 0 0 auto;
}

.va-info-card__eyebrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 30px;
    padding: 6px 10px;
    border-radius: 999px;
    background: #f2f4f7;
    color: #475467;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .06em;
    text-transform: uppercase;
    line-height: 1;
    text-align: center;
}

.va-info-card h3 {
    margin: 0 0 10px;
    color: #101828;
    font-size: 17px;
    line-height: 1.3;
    font-weight: 800;
    letter-spacing: -.02em;
}

.va-info-card p {
    margin: 0;
}

.va-info-card__value {
    color: #111827;
    font-size: 28px;
    line-height: 1.15;
    font-weight: 800;
    letter-spacing: -.03em;
    word-break: break-word;
}

.va-info-card__value--text {
    font-size: 18px;
    line-height: 1.45;
    font-weight: 700;
    color: #1d2939;
}

.va-info-card__divider {
    display: inline-block;
    margin: 0 4px;
    opacity: .45;
}

.va-info-card__meta {
    display: block;
    margin-top: auto;
    padding-top: 16px;
    color: #667085;
    font-size: 13px;
    line-height: 1.55;
}

.va-market-box {
    position: relative;
    padding: 26px;
    border: 1px solid rgba(16, 24, 40, .08);
    border-radius: 26px;
    background: #fff;
    box-shadow: 0 10px 30px rgba(16, 24, 40, .06);
    overflow: hidden;
}

.va-market-box--highlight {
    background:
        radial-gradient(circle at top right, rgba(59, 130, 246, .08), transparent 28%),
        linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.va-market-box__head {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 14px;
}

.va-market-box__head h2 {
    margin: 0;
    color: #101828;
    font-size: clamp(22px, 2.2vw, 30px);
    line-height: 1.15;
    font-weight: 800;
    letter-spacing: -.03em;
}

.va-market-box__badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 36px;
    padding: 8px 14px;
    border-radius: 999px;
    background: #ecfdf3;
    color: #067647;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .05em;
    text-transform: uppercase;
    white-space: nowrap;
    border: 1px solid rgba(6, 118, 71, .10);
}

.va-market-box__body {
    max-width: 920px;
}

.va-market-box__body p {
    margin: 0;
    color: #475467;
    font-size: 15px;
    line-height: 1.8;
}

@media (max-width: 1199.98px) {
    .va-card-grid--4 {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 767.98px) {
    .va-section--market {
        padding: 42px 0;
    }

    .va-section-head {
        display: block;
        margin-bottom: 18px;
    }

    .va-section-head h2 {
        font-size: 30px;
    }

    .va-section-subtitle {
        font-size: 14px;
        line-height: 1.65;
    }

    .va-card-grid--4 {
        grid-template-columns: 1fr;
        gap: 14px;
    }

    .va-info-card {
        min-height: auto;
        padding: 18px;
        border-radius: 20px;
    }

    .va-info-card__top {
        margin-bottom: 14px;
    }

    .va-info-card__icon {
        width: 42px;
        height: 42px;
        border-radius: 14px;
        font-size: 12px;
    }

    .va-info-card__eyebrow {
        font-size: 10px;
        padding: 6px 9px;
    }

    .va-info-card h3 {
        font-size: 16px;
        margin-bottom: 8px;
    }

    .va-info-card__value {
        font-size: 23px;
    }

    .va-info-card__value--text {
        font-size: 17px;
    }

    .va-info-card__meta {
        margin-top: 12px;
        padding-top: 0;
        font-size: 12px;
    }

    .va-market-box,
    .va-market-box--highlight {
        padding: 20px;
        border-radius: 20px;
    }

    .va-market-box__head {
        flex-direction: column;
        align-items: flex-start;
        margin-bottom: 12px;
    }

    .va-market-box__head h2 {
        font-size: 24px;
    }

    .va-market-box__body p {
        font-size: 14px;
        line-height: 1.75;
    }
}

.va-section--premium-factors {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(58, 123, 213, 0.10), transparent 30%),
        radial-gradient(circle at bottom right, rgba(0, 210, 255, 0.10), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-section--premium-factors::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(135deg, rgba(255, 255, 255, 0.65) 0%, rgba(255, 255, 255, 0) 40%);
    pointer-events: none;
}

.va-premium-head {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 34px;
    flex-wrap: wrap;
}

.va-premium-head__copy {
    max-width: 760px;
}

.va-premium-head__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(20, 32, 61, 0.06);
    border: 1px solid rgba(20, 32, 61, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .14em;
    text-transform: uppercase;
    margin-bottom: 14px;
}

.va-premium-head__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 46px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-head__copy p {
    margin: 0;
    max-width: 700px;
    font-size: 16px;
    line-height: 1.8;
    color: #52607a;
}

.va-premium-head__badge {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(148, 163, 184, 0.18);
    box-shadow: 0 14px 34px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-head__badge span {
    font-size: 13px;
    font-weight: 800;
    color: #0f172a;
    letter-spacing: .04em;
    text-transform: uppercase;
}

.va-premium-factors-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-factor-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 24px;
    border-radius: 26px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow:
        0 10px 30px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-factor-card::before {
    content: "";
    position: absolute;
    inset: 0 auto auto 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .95;
}

.va-premium-factor-card:hover {
    transform: translateY(-6px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.12),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
}

.va-premium-factor-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 20px;
}

.va-premium-factor-card__index {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 18px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 16px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 24px rgba(30, 58, 138, 0.22);
}

.va-premium-factor-card__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-factor-card__body h3 {
    margin: 0 0 12px;
    font-size: 21px;
    line-height: 1.25;
    font-weight: 800;
    color: #0f172a;
    letter-spacing: -.02em;
}

.va-premium-factor-card__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-factor-card__footer {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(148, 163, 184, 0.14);
}

.va-premium-factor-card__footer span {
    display: block;
    width: 54px;
    height: 4px;
    border-radius: 999px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .9;
}

@media (max-width: 991px) {
    .va-section--premium-factors {
        padding: 56px 0;
    }

    .va-premium-factors-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .va-premium-head__copy h2 {
        font-size: clamp(28px, 5vw, 38px);
    }
}

@media (max-width: 640px) {
    .va-premium-head {
        margin-bottom: 26px;
    }

    .va-premium-factors-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .va-premium-factor-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-factor-card__body h3 {
        font-size: 19px;
    }

    .va-premium-head__copy p {
        font-size: 15px;
        line-height: 1.7;
    }
}


.va-section--premium-panorama {
    position: relative;
    padding: 72px 0;
    background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.va-premium-panorama {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(246, 250, 255, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-panorama::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-panorama__head {
    max-width: 840px;
    margin-bottom: 30px;
}

.va-premium-panorama__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-panorama__head h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-panorama__head p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-panorama__body {
    display: grid;
    grid-template-columns: minmax(0, 1.7fr) minmax(280px, .8fr);
    gap: 24px;
    align-items: start;
}

.va-premium-panorama__content {
    padding: 28px;
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(148, 163, 184, 0.14);
    backdrop-filter: blur(8px);
}

.va-premium-panorama__content p {
    margin: 0 0 18px;
    font-size: 16px;
    line-height: 1.9;
    color: #334155;
}

.va-premium-panorama__content p:last-child {
    margin-bottom: 0;
}

.va-premium-panorama__side-card {
    position: sticky;
    top: 100px;
    padding: 24px;
    border-radius: 24px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    box-shadow: 0 18px 36px rgba(30, 58, 138, 0.22);
}

.va-premium-panorama__side-label {
    display: inline-block;
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.92);
}

.va-premium-panorama__side-card strong {
    display: block;
    margin-bottom: 12px;
    font-size: 20px;
    line-height: 1.3;
    font-weight: 800;
    letter-spacing: -.02em;
}

.va-premium-panorama__side-card p {
    margin: 0;
    font-size: 14px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.82);
}

@media (max-width: 991px) {
    .va-section--premium-panorama {
        padding: 56px 0;
    }

    .va-premium-panorama {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-panorama__body {
        grid-template-columns: 1fr;
    }

    .va-premium-panorama__side-card {
        position: relative;
        top: auto;
    }
}

@media (max-width: 640px) {
    .va-premium-panorama {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-panorama__head {
        margin-bottom: 22px;
    }

    .va-premium-panorama__head h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-panorama__head p,
    .va-premium-panorama__content p {
        font-size: 15px;
        line-height: 1.8;
    }

    .va-premium-panorama__content,
    .va-premium-panorama__side-card {
        padding: 20px;
        border-radius: 20px;
    }
}

.va-section--premium-signals {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f4f7fb 100%);
    overflow: hidden;
}

.va-premium-signals {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
}

.va-premium-signals__head {
    max-width: 840px;
    margin-bottom: 30px;
}

.va-premium-signals__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-signals__head h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-signals__head p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-signals__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-signal-card {
    position: relative;
    padding: 28px;
    border-radius: 26px;
    min-height: 100%;
    overflow: hidden;
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 12px 30px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.7);
    transition: transform .28s ease, box-shadow .28s ease;
}

.va-premium-signal-card:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.8);
}

.va-premium-signal-card--plus {
    background: linear-gradient(180deg, rgba(240, 253, 250, 0.96) 0%, rgba(236, 253, 245, 0.98) 100%);
}

.va-premium-signal-card--minus {
    background: linear-gradient(180deg, rgba(255, 247, 237, 0.96) 0%, rgba(255, 251, 235, 0.98) 100%);
}

.va-premium-signal-card--plus::before,
.va-premium-signal-card--minus::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
}

.va-premium-signal-card--plus::before {
    background: linear-gradient(90deg, #10b981 0%, #06b6d4 100%);
}

.va-premium-signal-card--minus::before {
    background: linear-gradient(90deg, #f59e0b 0%, #f97316 100%);
}

.va-premium-signal-card__top {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 22px;
}

.va-premium-signal-card__icon {
    flex: 0 0 56px;
    width: 56px;
    height: 56px;
    border-radius: 18px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    font-weight: 900;
    line-height: 1;
    box-shadow: 0 12px 24px rgba(15, 23, 42, 0.10);
}

.va-premium-signal-card--plus .va-premium-signal-card__icon {
    background: linear-gradient(135deg, #047857 0%, #10b981 100%);
    color: #fff;
}

.va-premium-signal-card--minus .va-premium-signal-card__icon {
    background: linear-gradient(135deg, #ea580c 0%, #f59e0b 100%);
    color: #fff;
}

.va-premium-signal-card__label {
    display: inline-block;
    margin-bottom: 6px;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #64748b;
}

.va-premium-signal-card__title-wrap h3 {
    margin: 0;
    font-size: 24px;
    line-height: 1.2;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #0f172a;
}

.va-premium-signal-list {
    margin: 0;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 12px;
}

.va-premium-signal-list li {
    position: relative;
    padding: 14px 16px 14px 48px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.68);
    border: 1px solid rgba(148, 163, 184, 0.12);
    font-size: 15px;
    line-height: 1.7;
    color: #334155;
}

.va-premium-signal-list li::before {
    content: "";
    position: absolute;
    left: 16px;
    top: 16px;
    width: 18px;
    height: 18px;
    border-radius: 999px;
}

.va-premium-signal-card--plus .va-premium-signal-list li::before {
    background: linear-gradient(135deg, #10b981 0%, #14b8a6 100%);
    box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.12);
}

.va-premium-signal-card--minus .va-premium-signal-list li::before {
    background: linear-gradient(135deg, #f59e0b 0%, #f97316 100%);
    box-shadow: 0 0 0 4px rgba(245, 158, 11, 0.12);
}

@media (max-width: 991px) {
    .va-section--premium-signals {
        padding: 56px 0;
    }

    .va-premium-signals {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-signals__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .va-premium-signals {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-signals__head {
        margin-bottom: 24px;
    }

    .va-premium-signals__head h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-signals__head p,
    .va-premium-signal-list li {
        font-size: 15px;
    }

    .va-premium-signal-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-signal-card__title-wrap h3 {
        font-size: 21px;
    }

    .va-premium-signal-card__icon {
        width: 50px;
        height: 50px;
        border-radius: 16px;
        font-size: 24px;
        flex-basis: 50px;
    }
}

.va-section--premium-tips {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
    overflow: hidden;
}

.va-premium-tips {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-tips::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-tips__head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 30px;
}

.va-premium-tips__copy {
    max-width: 820px;
}

.va-premium-tips__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-tips__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-tips__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-tips__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-tips__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #0f172a;
}

.va-premium-tips__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-tip-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 26px;
    border-radius: 26px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 248, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 10px 28px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-tip-card:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
}

.va-premium-tip-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 20px;
}

.va-premium-tip-card__step {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 54px;
    height: 54px;
    border-radius: 18px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 16px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 24px rgba(30, 58, 138, 0.22);
}

.va-premium-tip-card__label {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-tip-card__body h3 {
    margin: 0 0 12px;
    font-size: 22px;
    line-height: 1.25;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #0f172a;
}

.va-premium-tip-card__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.85;
    color: #52607a;
}

.va-premium-tip-card__footer {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(148, 163, 184, 0.14);
}

.va-premium-tip-card__footer span {
    display: block;
    width: 56px;
    height: 4px;
    border-radius: 999px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .9;
}

@media (max-width: 991px) {
    .va-section--premium-tips {
        padding: 56px 0;
    }

    .va-premium-tips {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-tips__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .va-premium-tips {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-tips__head {
        margin-bottom: 24px;
    }

    .va-premium-tips__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-tips__copy p,
    .va-premium-tip-card__body p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-tip-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-tip-card__body h3 {
        font-size: 20px;
    }

    .va-premium-tip-card__step {
        width: 50px;
        height: 50px;
        border-radius: 16px;
    }
}

.va-section--premium-market {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-premium-market {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-market::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-market__head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 30px;
}

.va-premium-market__copy {
    max-width: 820px;
}

.va-premium-market__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-market__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-market__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-market__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-market__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #0f172a;
}

.va-premium-market__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-market-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 24px;
    border-radius: 24px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 248, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 10px 28px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}

.va-premium-market-card:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
}

.va-premium-market-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 18px;
}

.va-premium-market-card__index {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 18px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 16px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 24px rgba(30, 58, 138, 0.22);
}

.va-premium-market-card__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-market-card__body h3 {
    margin: 0 0 12px;
    font-size: 21px;
    line-height: 1.25;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #0f172a;
}

.va-premium-market-card__value {
    margin: 0 0 10px;
    font-size: 28px;
    line-height: 1.2;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-market-card__value--text {
    font-size: 20px;
    line-height: 1.4;
}

.va-premium-market-card__divider {
    color: #94a3b8;
    margin: 0 6px;
}

.va-premium-market-card__body small {
    display: block;
    font-size: 13px;
    line-height: 1.7;
    color: #64748b;
}

.va-premium-market-insight {
    margin-top: 22px;
    padding: 28px;
    border-radius: 26px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    box-shadow: 0 18px 36px rgba(30, 58, 138, 0.22);
}

.va-premium-market-insight__head {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 18px;
    flex-wrap: wrap;
    margin-bottom: 16px;
}

.va-premium-market-insight__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 12px;
}

.va-premium-market-insight__copy h3 {
    margin: 0;
    font-size: 28px;
    line-height: 1.2;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #fff;
}

.va-premium-market-insight__badge {
    display: inline-flex;
    align-items: center;
    min-height: 42px;
    padding: 0 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #fff;
}

.va-premium-market-insight__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.9;
    color: rgba(255, 255, 255, 0.86);
}

@media (max-width: 1199px) {
    .va-premium-market__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 991px) {
    .va-section--premium-market {
        padding: 56px 0;
    }

    .va-premium-market {
        padding: 26px;
        border-radius: 24px;
    }
}

@media (max-width: 640px) {
    .va-premium-market {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-market__head {
        margin-bottom: 24px;
    }

    .va-premium-market__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-market__copy p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-market__grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .va-premium-market-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-market-card__body h3 {
        font-size: 20px;
    }

    .va-premium-market-card__value {
        font-size: 24px;
    }

    .va-premium-market-card__value--text {
        font-size: 18px;
    }

    .va-premium-market-insight {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-market-insight__copy h3 {
        font-size: 22px;
    }
}

.va-section--premium-years {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-premium-years {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-years::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-years__head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 30px;
}

.va-premium-years__copy {
    max-width: 820px;
}

.va-premium-years__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-years__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-years__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-years__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-years__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #0f172a;
}

.va-premium-years__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-year-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 24px;
    border-radius: 24px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 248, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 10px 28px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-year-card:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
}

.va-premium-year-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 22px;
}

.va-premium-year-card__year {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 74px;
    height: 54px;
    padding: 0 16px;
    border-radius: 18px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 18px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 24px rgba(30, 58, 138, 0.22);
}

.va-premium-year-card__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-year-card__body {
    display: grid;
    gap: 18px;
}

.va-premium-year-card__metric,
.va-premium-year-card__range {
    padding: 16px 18px;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(148, 163, 184, 0.12);
}

.va-premium-year-card__label {
    display: block;
    margin-bottom: 8px;
    font-size: 11px;
    line-height: 1.4;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #64748b;
}

.va-premium-year-card__metric strong {
    display: block;
    font-size: 28px;
    line-height: 1.15;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-year-card__range p {
    margin: 0;
    font-size: 18px;
    line-height: 1.45;
    font-weight: 800;
    color: #0f172a;
}

.va-premium-year-card__range p span {
    color: #94a3b8;
    margin: 0 6px;
}

.va-premium-year-card__footer {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(148, 163, 184, 0.14);
}

.va-premium-year-card__footer span {
    display: block;
    width: 56px;
    height: 4px;
    border-radius: 999px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .9;
}

@media (max-width: 1199px) {
    .va-premium-years__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 991px) {
    .va-section--premium-years {
        padding: 56px 0;
    }

    .va-premium-years {
        padding: 26px;
        border-radius: 24px;
    }
}

@media (max-width: 640px) {
    .va-premium-years {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-years__head {
        margin-bottom: 24px;
    }

    .va-premium-years__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-years__copy p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-years__grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .va-premium-year-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-year-card__year {
        min-width: 68px;
        height: 50px;
        font-size: 17px;
        border-radius: 16px;
    }

    .va-premium-year-card__metric strong {
        font-size: 24px;
    }

    .va-premium-year-card__range p {
        font-size: 16px;
    }
}

.va-section--premium-reading {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
    overflow: hidden;
}

.va-premium-reading {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    box-shadow: 0 22px 48px rgba(30, 58, 138, 0.24);
    overflow: hidden;
}

.va-premium-reading::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #38bdf8 0%, #22c55e 100%);
}

.va-premium-reading__glow {
    position: absolute;
    top: -60px;
    right: -40px;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.18) 0%, rgba(255, 255, 255, 0) 70%);
    pointer-events: none;
}

.va-premium-reading__head {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    margin-bottom: 20px;
}

.va-premium-reading__copy {
    max-width: 840px;
}

.va-premium-reading__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 16px;
}

.va-premium-reading__copy h2 {
    margin: 0;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #fff;
}

.va-premium-reading__badge {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
    padding: 0 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(8px);
}

.va-premium-reading__badge span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #fff;
}

.va-premium-reading__body {
    position: relative;
    z-index: 1;
    max-width: 980px;
    padding: 22px 24px;
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.10);
    backdrop-filter: blur(10px);
}

.va-premium-reading__body p {
    margin: 0;
    font-size: 16px;
    line-height: 1.9;
    color: rgba(255, 255, 255, 0.88);
}

@media (max-width: 991px) {
    .va-section--premium-reading {
        padding: 56px 0;
    }

    .va-premium-reading {
        padding: 26px;
        border-radius: 24px;
    }
}

@media (max-width: 640px) {
    .va-premium-reading {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-reading__head {
        margin-bottom: 18px;
    }

    .va-premium-reading__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-reading__body {
        padding: 18px;
        border-radius: 20px;
    }

    .va-premium-reading__body p {
        font-size: 15px;
        line-height: 1.8;
    }
}

.va-section--premium-faq {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-premium-faq {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-faq::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-faq__head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 30px;
}

.va-premium-faq__copy {
    max-width: 820px;
}

.va-premium-faq__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-faq__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-faq__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-faq__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-faq__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #0f172a;
}

.va-premium-faq__list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-faq-item {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 26px;
    border-radius: 26px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 248, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 10px 28px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-faq-item:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
}

.va-premium-faq-item__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 20px;
}

.va-premium-faq-item__index {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 54px;
    height: 54px;
    border-radius: 18px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 16px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 24px rgba(30, 58, 138, 0.22);
}

.va-premium-faq-item__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-faq-item__body h3 {
    margin: 0 0 12px;
    font-size: 22px;
    line-height: 1.3;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #0f172a;
}

.va-premium-faq-item__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.85;
    color: #52607a;
}

.va-premium-faq-item__footer {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(148, 163, 184, 0.14);
}

.va-premium-faq-item__footer span {
    display: block;
    width: 56px;
    height: 4px;
    border-radius: 999px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .9;
}

@media (max-width: 991px) {
    .va-section--premium-faq {
        padding: 56px 0;
    }

    .va-premium-faq {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-faq__list {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .va-premium-faq {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-faq__head {
        margin-bottom: 24px;
    }

    .va-premium-faq__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-faq__copy p,
    .va-premium-faq-item__body p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-faq-item {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-faq-item__body h3 {
        font-size: 20px;
    }

    .va-premium-faq-item__index {
        width: 50px;
        height: 50px;
        border-radius: 16px;
    }
}

.va-section--premium-links {
    position: relative;
    padding: 72px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.08), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.08), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-premium-links {
    position: relative;
    padding: 34px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(248, 250, 252, 0.98) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 16px 40px rgba(15, 23, 42, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.va-premium-links::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
}

.va-premium-links__head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 30px;
}

.va-premium-links__copy {
    max-width: 820px;
}

.va-premium-links__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-links__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(30px, 4vw, 44px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #0f172a;
}

.va-premium-links__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.8;
    color: #5b677d;
}

.va-premium-links__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
    backdrop-filter: blur(10px);
}

.va-premium-links__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #0f172a;
}

.va-premium-links__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-link-card {
    position: relative;
    display: block;
    padding: 24px;
    border-radius: 24px;
    text-decoration: none;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(244, 248, 252, 0.96) 100%);
    border: 1px solid rgba(148, 163, 184, 0.14);
    box-shadow:
        0 10px 28px rgba(15, 23, 42, 0.06),
        inset 0 1px 0 rgba(255, 255, 255, 0.85);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-link-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #2563eb 0%, #06b6d4 100%);
    opacity: .9;
}

.va-premium-link-card:hover {
    transform: translateY(-5px);
    box-shadow:
        0 20px 44px rgba(15, 23, 42, 0.10),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    border-color: rgba(37, 99, 235, 0.18);
    text-decoration: none;
}

.va-premium-link-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 16px;
}

.va-premium-link-card__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: #2457c5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-link-card__arrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 14px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
    color: #fff;
    font-size: 18px;
    font-weight: 900;
    box-shadow: 0 10px 22px rgba(30, 58, 138, 0.20);
}

.va-premium-link-card__body strong {
    display: block;
    margin-bottom: 10px;
    font-size: 22px;
    line-height: 1.3;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #0f172a;
}

.va-premium-link-card__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.8;
    color: #52607a;
}

@media (max-width: 991px) {
    .va-section--premium-links {
        padding: 56px 0;
    }

    .va-premium-links {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-links__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .va-premium-links {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-links__head {
        margin-bottom: 24px;
    }

    .va-premium-links__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-links__copy p,
    .va-premium-link-card__body p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-link-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-link-card__body strong {
        font-size: 20px;
    }

    .va-premium-link-card__arrow {
        width: 38px;
        height: 38px;
        border-radius: 12px;
        font-size: 16px;
    }
}

.va-section--premium-cta-final {
    position: relative;
    padding: 80px 0;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, 0.10), transparent 30%),
        radial-gradient(circle at bottom right, rgba(6, 182, 212, 0.10), transparent 28%),
        linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%);
    overflow: hidden;
}

.va-premium-cta-final {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 28px;
    flex-wrap: wrap;
    padding: 38px;
    border-radius: 32px;
    background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 55%, #0f766e 100%);
    color: #fff;
    box-shadow:
        0 26px 54px rgba(15, 23, 42, 0.20),
        inset 0 1px 0 rgba(255, 255, 255, 0.10);
    overflow: hidden;
}

.va-premium-cta-final::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #38bdf8 0%, #22c55e 100%);
}

.va-premium-cta-final__glow {
    position: absolute;
    top: -80px;
    right: -50px;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.16) 0%, rgba(255, 255, 255, 0) 72%);
    pointer-events: none;
}

.va-premium-cta-final__content {
    position: relative;
    z-index: 1;
    max-width: 760px;
}

.va-premium-cta-final__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 16px;
}

.va-premium-cta-final__content h2 {
    margin: 0 0 14px;
    font-size: clamp(32px, 4vw, 48px);
    line-height: 1.05;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #fff;
}

.va-premium-cta-final__content p {
    margin: 0;
    max-width: 680px;
    font-size: 16px;
    line-height: 1.9;
    color: rgba(255, 255, 255, 0.84);
}

.va-premium-cta-final__actions {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
}

.va-premium-cta-final__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    min-height: 60px;
    padding: 0 24px;
    border-radius: 18px;
    background: linear-gradient(135deg, #ffffff 0%, #eff6ff 100%);
    color: #0f172a;
    font-size: 15px;
    font-weight: 800;
    letter-spacing: -.01em;
    text-decoration: none;
    box-shadow:
        0 16px 32px rgba(15, 23, 42, 0.18),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    transition: transform .28s ease, box-shadow .28s ease, background .28s ease;
}

.va-premium-cta-final__btn:hover {
    transform: translateY(-3px);
    box-shadow:
        0 22px 40px rgba(15, 23, 42, 0.24),
        inset 0 1px 0 rgba(255, 255, 255, 1);
    text-decoration: none;
    color: #0f172a;
}

.va-premium-cta-final__btn i {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.10);
    font-style: normal;
    font-size: 15px;
    font-weight: 900;
    line-height: 1;
}

@media (max-width: 991px) {
    .va-section--premium-cta-final {
        padding: 60px 0;
    }

    .va-premium-cta-final {
        padding: 28px;
        border-radius: 26px;
    }

    .va-premium-cta-final__content h2 {
        font-size: clamp(28px, 5vw, 40px);
    }
}

@media (max-width: 640px) {
    .va-section--premium-cta-final {
        padding: 52px 0;
    }

    .va-premium-cta-final {
        padding: 22px;
        border-radius: 22px;
        gap: 22px;
    }

    .va-premium-cta-final__content h2 {
        font-size: clamp(26px, 7vw, 34px);
    }

    .va-premium-cta-final__content p {
        font-size: 15px;
        line-height: 1.8;
    }

    .va-premium-cta-final__actions {
        width: 100%;
    }

    .va-premium-cta-final__btn {
        width: 100%;
        min-height: 56px;
        padding: 0 18px;
        border-radius: 16px;
    }
}

.va-section--premium-process {
    position: relative;
    padding: 80px 0;
    background:
        radial-gradient(circle at top left, rgba(56, 189, 248, 0.10), transparent 30%),
        radial-gradient(circle at bottom right, rgba(34, 197, 94, 0.08), transparent 28%),
        linear-gradient(135deg, #081120 0%, #0f172a 45%, #172554 100%);
    overflow: hidden;
}

.va-premium-process {
    position: relative;
    padding: 36px;
    border-radius: 32px;
    background:
        linear-gradient(180deg, rgba(15, 23, 42, 0.78) 0%, rgba(15, 23, 42, 0.88) 100%);
    border: 1px solid rgba(148, 163, 184, 0.16);
    box-shadow:
        0 24px 56px rgba(2, 8, 23, 0.34),
        inset 0 1px 0 rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(10px);
    overflow: hidden;
}

.va-premium-process::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #38bdf8 0%, #2563eb 50%, #22c55e 100%);
}

.va-premium-process__glow {
    position: absolute;
    top: -80px;
    right: -40px;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0) 72%);
    pointer-events: none;
}

.va-premium-process__head {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 34px;
}

.va-premium-process__copy {
    max-width: 820px;
}

.va-premium-process__eyebrow {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.10);
    color: rgba(255, 255, 255, 0.92);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.va-premium-process__copy h2 {
    margin: 0 0 14px;
    font-size: clamp(31px, 4vw, 46px);
    line-height: 1.08;
    font-weight: 900;
    letter-spacing: -.03em;
    color: #fff;
}

.va-premium-process__copy p {
    margin: 0;
    max-width: 720px;
    font-size: 16px;
    line-height: 1.85;
    color: rgba(226, 232, 240, 0.76);
}

.va-premium-process__pill {
    display: inline-flex;
    align-items: center;
    min-height: 52px;
    padding: 0 18px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.10);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(8px);
}

.va-premium-process__pill span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .10em;
    text-transform: uppercase;
    color: #fff;
}

.va-premium-process__timeline {
    position: relative;
    z-index: 1;
    height: 2px;
    margin: 0 10px 28px;
    background: linear-gradient(90deg, rgba(56, 189, 248, 0.55) 0%, rgba(37, 99, 235, 0.45) 50%, rgba(34, 197, 94, 0.45) 100%);
    border-radius: 999px;
}

.va-premium-process__grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.va-premium-process-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    padding: 28px;
    border-radius: 26px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0.05) 100%);
    border: 1px solid rgba(255, 255, 255, 0.10);
    box-shadow:
        0 14px 34px rgba(2, 8, 23, 0.24),
        inset 0 1px 0 rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(8px);
    transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
    overflow: hidden;
}

.va-premium-process-card:hover {
    transform: translateY(-6px);
    border-color: rgba(56, 189, 248, 0.30);
    box-shadow:
        0 22px 46px rgba(2, 8, 23, 0.32),
        inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.va-premium-process-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, #38bdf8 0%, #2563eb 100%);
    opacity: .95;
}

.va-premium-process-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 20px;
}

.va-premium-process-card__step {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 58px;
    height: 58px;
    border-radius: 18px;
    background: linear-gradient(135deg, #ffffff 0%, #dbeafe 100%);
    color: #0f172a;
    font-size: 17px;
    font-weight: 900;
    letter-spacing: -.02em;
    box-shadow: 0 12px 26px rgba(15, 23, 42, 0.18);
}

.va-premium-process-card__tag {
    display: inline-flex;
    align-items: center;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.08);
    color: rgba(255, 255, 255, 0.88);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.va-premium-process-card__body h3 {
    margin: 0 0 12px;
    font-size: 23px;
    line-height: 1.25;
    font-weight: 800;
    letter-spacing: -.02em;
    color: #fff;
}

.va-premium-process-card__body p {
    margin: 0;
    font-size: 15px;
    line-height: 1.85;
    color: rgba(226, 232, 240, 0.78);
}

.va-premium-process-card__footer {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.va-premium-process-card__footer span {
    display: block;
    width: 56px;
    height: 4px;
    border-radius: 999px;
    background: linear-gradient(90deg, #38bdf8 0%, #22c55e 100%);
    opacity: .95;
}

@media (max-width: 991px) {
    .va-section--premium-process {
        padding: 60px 0;
    }

    .va-premium-process {
        padding: 26px;
        border-radius: 24px;
    }

    .va-premium-process__timeline {
        display: none;
    }

    .va-premium-process__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .va-section--premium-process {
        padding: 52px 0;
    }

    .va-premium-process {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-process__head {
        margin-bottom: 24px;
    }

    .va-premium-process__copy h2 {
        font-size: clamp(27px, 7vw, 36px);
    }

    .va-premium-process__copy p,
    .va-premium-process-card__body p {
        font-size: 15px;
        line-height: 1.75;
    }

    .va-premium-process-card {
        padding: 20px;
        border-radius: 22px;
    }

    .va-premium-process-card__body h3 {
        font-size: 20px;
    }

    .va-premium-process-card__step {
        width: 52px;
        height: 52px;
        border-radius: 16px;
        font-size: 16px;
    }
}