.prem {
    box-sizing: border-box;
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin: 12px 0 0 0;
    padding: 20px;
    border: 1px solid #e3e3e3;
    border-radius: 8px;
    background: linear-gradient(73.6deg, #1e2d61 32.6%, rgba(30, 45, 97, 0) 96.9%), #192f7c;
    font-family: 'Montserrat', sans-serif;
}
.prem *, .prem *::before, .prem *::after { box-sizing: border-box; }
.prem__title {
    margin: 0;
    color: #fff;
    font-size: 28px;
    font-weight: 600;
    line-height: 1.1;
    text-shadow: 0 0 3.26px rgba(0, 0, 0, .25);
}
.prem__list {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 20px;
}
.prem-card {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 8px;
    min-height: 184px;
    padding: 16px 20px;
    overflow: hidden;
    border-radius: 8px;
    background: #f2f6fd;
    box-shadow: 0 2px 4px rgba(0, 0, 0, .1);
    color: #000;
}
.prem-card__decor {
    position: absolute;
    top: 0;
    left: 0;
    width: 334px;
    height: 184px;
    pointer-events: none;
}
.prem-card__band {
    position: absolute;
    left: 0;
    right: 0;
    background: #e5edfb;
    pointer-events: none;
}
.prem-card__head,
.prem-card__text { position: relative; }
.prem-card__head {
    display: flex;
    align-items: center;
    gap: 20px;
}
.prem-card__icon {
    flex: 0 0 56px;
    width: 56px;
    height: 56px;
    object-fit: contain;
}
.prem-card__name {
    font-size: 14px;
    font-weight: 600;
    line-height: 20px;
}
.prem-card__text {
    font-size: 14px;
    font-weight: 400;
    line-height: 20px;
}
.prem-card__text p { margin: 0; }

@media (max-width: 1199px) {
    .prem__list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 767px) {
    .prem { padding: 16px; gap: 16px; }
    .prem__title { font-size: 20px; }
    .prem__list { grid-template-columns: 1fr; gap: 12px; }
    .prem-card { min-height: 0; }
}