/* ============================================================
   Lien Tran — Tư vấn Bảo hiểm | Design System
   Tone: Đỏ / Trắng — phong cách bố cục lấy cảm hứng từ web bảo hiểm hiện đại
   ============================================================ */

:root{
  --red:#D31145;
  --red-dark:#A80D37;
  --red-darker:#7C0827;
  --red-soft:#FDEEF2;
  --red-soft2:#FAD9E1;
  --ink:#16181D;
  --grey-800:#333840;
  --grey-600:#5A616B;
  --grey-400:#8E959F;
  --grey-200:#DDE1E6;
  --grey-100:#F1F3F5;
  --grey-50:#F8F9FA;
  --white:#fff;
  --gold:#C9A227;
  --green:#0E7C4A;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 1px 3px rgba(22,24,29,.06),0 1px 2px rgba(22,24,29,.04);
  --shadow:0 4px 16px rgba(22,24,29,.08);
  --shadow-lg:0 12px 40px rgba(22,24,29,.12);
  --maxw:1240px;
  --header-h:78px;
  --font:'Be Vietnam Pro',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--white);
  font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.22;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2rem,4.4vw,3.35rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem)}
h3{font-size:clamp(1.15rem,1.7vw,1.42rem)}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.center{text-align:center}
.mb0{margin-bottom:0}

/* ---------- Utility ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:14px;
}
.eyebrow::before{content:'';width:26px;height:2px;background:var(--red);display:block}
.lead{font-size:1.09rem;color:var(--grey-600)}
.section{padding:84px 0}
.section-sm{padding:56px 0}
.bg-grey{background:var(--grey-50)}
.bg-soft{background:linear-gradient(180deg,var(--red-soft) 0%,#fff 100%)}
.bg-ink{background:var(--ink);color:#fff}
.bg-ink h2,.bg-ink h3{color:#fff}
.bg-ink .lead{color:#B8BEC7}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:13px 26px;border-radius:999px;font-weight:600;font-size:.97rem;
  border:1.6px solid transparent;cursor:pointer;transition:.2s ease;white-space:nowrap;
}
.btn-primary{background:var(--red);color:#fff;border-color:var(--red)}
.btn-primary:hover{background:var(--red-dark);border-color:var(--red-dark);transform:translateY(-1px);box-shadow:0 8px 20px rgba(211,17,69,.28)}
.btn-outline{background:transparent;color:var(--red);border-color:var(--red)}
.btn-outline:hover{background:var(--red);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--grey-200)}
.btn-ghost:hover{border-color:var(--red);color:var(--red)}
.btn-white{background:#fff;color:var(--red);border-color:#fff}
.btn-white:hover{background:var(--red-soft)}
.btn-lg{padding:16px 34px;font-size:1.03rem}
.btn-sm{padding:9px 18px;font-size:.87rem}
.btn-row{display:flex;gap:13px;flex-wrap:wrap}

/* ---------- Header ---------- */
.header{
  position:sticky;top:0;z-index:100;background:#fff;
  border-bottom:1px solid var(--grey-200);
}
.header-inner{
  max-width:var(--maxw);margin:0 auto;padding:0 24px;height:var(--header-h);
  display:flex;align-items:center;gap:30px;
}
.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}
.brand-mark{
  width:44px;height:44px;border-radius:12px;flex-shrink:0;
  background:linear-gradient(135deg,var(--red) 0%,var(--red-darker) 100%);
  display:grid;place-items:center;color:#fff;font-weight:800;font-size:1.02rem;letter-spacing:-.02em;
  box-shadow:0 4px 12px rgba(211,17,69,.25);
}
.brand-text{line-height:1.15}
.brand-name{font-weight:800;font-size:1.02rem;letter-spacing:-.02em;display:block}
.brand-role{font-size:.7rem;color:var(--grey-400);font-weight:500;letter-spacing:.02em}

.nav{display:flex;align-items:center;gap:2px;margin-left:8px;flex:1}
.nav-item{position:relative}
.nav-link{
  display:flex;align-items:center;gap:5px;padding:0 15px;height:var(--header-h);
  font-weight:600;font-size:.95rem;color:var(--grey-800);cursor:pointer;
  border-bottom:3px solid transparent;transition:.18s;background:none;border-top:0;border-left:0;border-right:0;
}
.nav-link:hover,.nav-item.open .nav-link,.nav-link.active{color:var(--red);border-bottom-color:var(--red)}
.nav-link svg{transition:.2s}
.nav-item.open .nav-link svg{transform:rotate(180deg)}

.header-actions{display:flex;align-items:center;gap:10px;flex-shrink:0}
.icon-btn{
  width:40px;height:40px;border-radius:50%;border:0;background:transparent;
  display:grid;place-items:center;cursor:pointer;color:var(--grey-800);transition:.2s;
}
.icon-btn:hover{background:var(--red-soft);color:var(--red)}

/* Mega menu */
.mega{
  position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(8px);
  width:min(880px,92vw);background:#fff;border:1px solid var(--grey-200);
  border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:30px;
  opacity:0;visibility:hidden;transition:.22s ease;z-index:120;
}
.nav-item.open .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega-grid{display:grid;grid-template-columns:1fr 1px 1fr;gap:0 30px}
.mega-divider{background:var(--grey-200)}
.mega-link{
  display:flex;align-items:center;gap:14px;padding:13px 12px;border-radius:12px;transition:.16s;
}
.mega-link:hover{background:var(--red-soft)}
.mega-icon{
  width:38px;height:38px;border-radius:10px;background:var(--red-soft);color:var(--red);
  display:grid;place-items:center;flex-shrink:0;
}
.mega-link:hover .mega-icon{background:var(--red);color:#fff}
.mega-title{font-weight:600;font-size:.97rem;display:block}
.mega-desc{font-size:.8rem;color:var(--grey-400);display:block;line-height:1.4}
.mega-arrow{margin-left:auto;color:var(--grey-400);flex-shrink:0}
.mega-foot{margin-top:18px;padding-top:16px;border-top:1px solid var(--grey-200);display:flex;gap:20px;flex-wrap:wrap;align-items:center}
.mega-foot a{font-size:.88rem;font-weight:600;color:var(--red);display:inline-flex;gap:6px;align-items:center}

/* Mobile nav */
.burger{display:none}
@media(max-width:1080px){
  .nav,.header-actions .btn-outline{display:none}
  .burger{display:grid}
}
.mobile-nav{
  display:none;position:fixed;inset:var(--header-h) 0 0;background:#fff;z-index:99;
  overflow-y:auto;padding:20px 24px 60px;border-top:1px solid var(--grey-200);
}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:14px 0;font-weight:600;border-bottom:1px solid var(--grey-100)}
.mobile-nav .sub a{padding-left:16px;font-weight:500;color:var(--grey-600);font-size:.94rem}
.mobile-nav .grp{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--grey-400);margin-top:22px;font-weight:700}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(115deg,#FFF7F9 0%,#FDEEF2 45%,#F7E3E9 100%);overflow:hidden}
.hero::after{
  content:'';position:absolute;right:-140px;top:-140px;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle,rgba(211,17,69,.10) 0%,rgba(211,17,69,0) 70%);
}
.hero-inner{
  max-width:var(--maxw);margin:0 auto;padding:78px 24px 86px;
  display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;position:relative;z-index:2;
}
.hero h1{margin-bottom:20px}
.hero h1 .hl{color:var(--red)}
.hero-sub{font-size:1.13rem;color:var(--grey-600);max-width:37em;margin-bottom:30px}
.hero-stats{display:flex;gap:34px;margin-top:38px;flex-wrap:wrap}
.hero-stat b{display:block;font-size:1.72rem;font-weight:800;color:var(--red);line-height:1.15}
.hero-stat span{font-size:.84rem;color:var(--grey-600)}
.hero-art{position:relative}
.hero-art img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);width:100%}
.hero-badge{
  position:absolute;bottom:22px;left:-22px;background:#fff;border-radius:16px;padding:15px 20px;
  box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:13px;max-width:270px;
}
.hero-badge .hb-ico{width:42px;height:42px;border-radius:11px;background:var(--red-soft);color:var(--red);display:grid;place-items:center;flex-shrink:0}
.hero-badge b{display:block;font-size:.93rem;line-height:1.3}
.hero-badge span{font-size:.78rem;color:var(--grey-400)}
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:38px;padding:52px 24px 60px}
  .hero-badge{left:12px}
}

/* ---------- Page header (inner pages) ---------- */
.page-head{background:linear-gradient(120deg,var(--red-darker) 0%,var(--red) 62%,#E23A62 100%);color:#fff;padding:62px 0 66px;position:relative;overflow:hidden}
.page-head::after{content:'';position:absolute;right:-90px;bottom:-160px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.07)}
.page-head h1{color:#fff;margin-bottom:12px;position:relative;z-index:2}
.page-head p{color:rgba(255,255,255,.9);max-width:46em;margin:0;position:relative;z-index:2;font-size:1.06rem}
.crumb{font-size:.85rem;color:rgba(255,255,255,.72);margin-bottom:16px;position:relative;z-index:2}
.crumb a:hover{color:#fff;text-decoration:underline}

/* ---------- Cards ---------- */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--grey-200);border-radius:var(--radius-lg);
  padding:28px;transition:.22s ease;position:relative;display:flex;flex-direction:column;
}
.card:hover{border-color:var(--red-soft2);box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.card-ico{
  width:52px;height:52px;border-radius:14px;background:var(--red-soft);color:var(--red);
  display:grid;place-items:center;margin-bottom:18px;
}
.card h3{font-size:1.13rem;margin-bottom:9px}
.card p{color:var(--grey-600);font-size:.94rem;margin-bottom:16px}
.card .card-link{margin-top:auto;font-weight:600;color:var(--red);font-size:.92rem;display:inline-flex;align-items:center;gap:7px}
.card .card-link svg{transition:.2s}
.card:hover .card-link svg{transform:translateX(4px)}
.card-tag{
  position:absolute;top:18px;right:18px;background:var(--red);color:#fff;font-size:.68rem;
  font-weight:700;padding:4px 11px;border-radius:999px;letter-spacing:.05em;text-transform:uppercase;
}
.card-tag.gold{background:var(--gold)}

/* Product card */
.prod{padding:0;overflow:hidden}
.prod-top{padding:26px 26px 0}
.prod-cat{font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:10px}
.prod h3{font-size:1.08rem;line-height:1.35}
.prod-body{padding:0 26px 26px;display:flex;flex-direction:column;flex:1}
.prod ul{margin:0 0 18px;padding:0;list-style:none}
.prod ul li{position:relative;padding-left:24px;font-size:.9rem;color:var(--grey-600);margin-bottom:8px}
.prod ul li::before{
  content:'';position:absolute;left:0;top:8px;width:14px;height:14px;border-radius:50%;
  background:var(--red-soft);
}
.prod ul li::after{
  content:'';position:absolute;left:4.5px;top:11.5px;width:5px;height:2.5px;border-left:1.6px solid var(--red);
  border-bottom:1.6px solid var(--red);transform:rotate(-45deg);
}

/* Tool card */
.tool{
  background:#fff;border:1px solid var(--grey-200);border-radius:var(--radius-lg);padding:30px;
  border-top:4px solid var(--red);transition:.22s;display:flex;flex-direction:column;
}
.tool:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}

/* Feature list */
.feat{display:flex;gap:16px;margin-bottom:26px}
.feat-ico{
  width:46px;height:46px;border-radius:12px;background:var(--red-soft);color:var(--red);
  display:grid;place-items:center;flex-shrink:0;
}
.feat h4{margin:0 0 5px;font-size:1.03rem}
.feat p{margin:0;font-size:.93rem;color:var(--grey-600)}

/* Steps */
.steps{counter-reset:s;display:grid;gap:0}
.step{position:relative;padding:0 0 34px 62px;counter-increment:s}
.step::before{
  content:counter(s);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;
  background:var(--red);color:#fff;display:grid;place-items:center;font-weight:700;font-size:1.02rem;
}
.step::after{content:'';position:absolute;left:20.5px;top:48px;bottom:6px;width:1.5px;background:var(--grey-200)}
.step:last-child{padding-bottom:0}
.step:last-child::after{display:none}
.step h4{margin:8px 0 6px;font-size:1.06rem}
.step p{margin:0;color:var(--grey-600);font-size:.95rem}

/* ---------- Calculator / Tools ---------- */
.calc{
  background:#fff;border:1px solid var(--grey-200);border-radius:var(--radius-lg);
  box-shadow:var(--shadow);overflow:hidden;
}
.calc-head{background:linear-gradient(120deg,var(--red-darker),var(--red));color:#fff;padding:24px 30px}
.calc-head h3{color:#fff;margin:0 0 4px;font-size:1.2rem}
.calc-head p{margin:0;font-size:.88rem;color:rgba(255,255,255,.85)}
.calc-body{padding:30px}
.field{margin-bottom:20px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:8px}
.field .hint{font-weight:400;color:var(--grey-400);font-size:.82rem}
.field select,.field input,.field textarea{
  width:100%;padding:13px 15px;border:1.5px solid var(--grey-200);border-radius:11px;
  font-family:inherit;font-size:.96rem;color:var(--ink);background:#fff;transition:.18s;
}
.field select:focus,.field input:focus,.field textarea:focus{outline:0;border-color:var(--red);box-shadow:0 0 0 3px rgba(211,17,69,.1)}
.radio-row{display:flex;gap:10px;flex-wrap:wrap}
.radio-chip{position:relative;flex:1;min-width:130px}
.radio-chip input{position:absolute;opacity:0;pointer-events:none}
.radio-chip span{
  display:block;text-align:center;padding:12px 10px;border:1.5px solid var(--grey-200);
  border-radius:11px;cursor:pointer;font-size:.92rem;font-weight:600;transition:.18s;
}
.radio-chip input:checked + span{border-color:var(--red);background:var(--red-soft);color:var(--red)}
.calc-result{
  margin-top:24px;padding:24px;border-radius:16px;background:var(--grey-50);border:1px solid var(--grey-200);
}
.calc-result.hot{background:var(--red-soft);border-color:var(--red-soft2)}
.res-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px dashed var(--grey-200);font-size:.95rem}
.res-row:last-of-type{border-bottom:0}
.res-row b{font-size:1.05rem}
.res-big{font-size:1.9rem;font-weight:800;color:var(--red);line-height:1.2}
.res-note{font-size:.85rem;color:var(--grey-600);margin-top:14px;margin-bottom:0}

/* Countdown */
.cd-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:6px}
.cd-box{background:var(--grey-50);border:1px solid var(--grey-200);border-radius:12px;padding:16px 10px;text-align:center}
.cd-box b{display:block;font-size:1.6rem;font-weight:800;color:var(--red);line-height:1.2}
.cd-box span{font-size:.78rem;color:var(--grey-600)}
.status-pill{
  display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;
  font-weight:700;font-size:.88rem;margin-bottom:14px;
}
.status-ok{background:#E6F5EE;color:var(--green)}
.status-warn{background:#FFF4E0;color:#B37400}
.status-bad{background:var(--red-soft);color:var(--red)}

/* ---------- Accordion ---------- */
.acc{border:1px solid var(--grey-200);border-radius:var(--radius);overflow:hidden;background:#fff}
.acc + .acc{margin-top:12px}
.acc-q{
  width:100%;text-align:left;padding:20px 24px;background:none;border:0;cursor:pointer;
  font-weight:600;font-size:1.01rem;display:flex;justify-content:space-between;gap:16px;align-items:center;color:var(--ink);
}
.acc-q:hover{color:var(--red)}
.acc-q .pm{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:var(--red-soft);color:var(--red);display:grid;place-items:center;transition:.2s}
.acc.open .pm{background:var(--red);color:#fff;transform:rotate(45deg)}
.acc-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.acc.open .acc-a{max-height:600px}
.acc-a-inner{padding:0 24px 22px;color:var(--grey-600);font-size:.96rem}

/* ---------- Table ---------- */
.tbl-wrap{overflow-x:auto;border:1px solid var(--grey-200);border-radius:var(--radius);background:#fff}
table.tbl{width:100%;border-collapse:collapse;min-width:600px;font-size:.93rem}
table.tbl th{background:var(--ink);color:#fff;text-align:left;padding:14px 16px;font-weight:600;font-size:.88rem}
table.tbl td{padding:14px 16px;border-top:1px solid var(--grey-200);color:var(--grey-800);vertical-align:top}
table.tbl tr:nth-child(even) td{background:var(--grey-50)}
table.tbl td strong{color:var(--red)}

/* ---------- Callout ---------- */
.callout{
  background:var(--red-soft);border-left:4px solid var(--red);border-radius:0 var(--radius) var(--radius) 0;
  padding:22px 26px;margin:26px 0;
}
.callout h4{margin:0 0 8px;color:var(--red-darker);font-size:1.02rem}
.callout p:last-child{margin-bottom:0}
.callout.warn{background:#FFF8E8;border-left-color:var(--gold)}
.callout.warn h4{color:#8A6D00}
.callout.info{background:#EEF4FF;border-left-color:#2B5FCE}
.callout.info h4{color:#1E4699}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(120deg,var(--red-darker) 0%,var(--red) 60%,#E5406A 100%);
  color:#fff;border-radius:var(--radius-lg);padding:52px 48px;position:relative;overflow:hidden;
}
.cta-band::after{content:'';position:absolute;right:-60px;top:-90px;width:340px;height:340px;border-radius:50%;background:rgba(255,255,255,.08)}
.cta-band h2{color:#fff;position:relative;z-index:2}
.cta-band p{color:rgba(255,255,255,.9);position:relative;z-index:2;max-width:44em}
.cta-band .btn-row{position:relative;z-index:2;margin-top:26px}
@media(max-width:640px){.cta-band{padding:36px 26px}}

/* ---------- Form ---------- */
.form-card{background:#fff;border:1px solid var(--grey-200);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:620px){.form-row{grid-template-columns:1fr}}
.form-note{font-size:.82rem;color:var(--grey-400);margin-top:14px}
.form-ok{
  display:none;background:#E6F5EE;border:1px solid #B7E3CD;color:var(--green);
  padding:18px 22px;border-radius:12px;font-weight:600;margin-top:18px;
}
.form-ok.show{display:block}

/* ---------- Blog ---------- */
.post{display:flex;flex-direction:column;overflow:hidden;padding:0}
.post-img{aspect-ratio:16/9;background:linear-gradient(130deg,var(--red-soft),var(--red-soft2));position:relative;overflow:hidden}
.post-img img{width:100%;height:100%;object-fit:cover}
.post-body{padding:24px;display:flex;flex-direction:column;flex:1}
.post-meta{font-size:.78rem;color:var(--grey-400);margin-bottom:9px;display:flex;gap:10px;align-items:center}
.post-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--grey-400)}
.post h3{font-size:1.08rem;line-height:1.4;margin-bottom:9px}
.post p{font-size:.92rem;color:var(--grey-600);margin-bottom:16px}

.article{max-width:760px;margin:0 auto}
.article h2{margin-top:2em;font-size:1.65rem}
.article h3{margin-top:1.6em;font-size:1.24rem}
.article p,.article li{color:var(--grey-800);font-size:1.03rem}
.article ul,.article ol{padding-left:1.3em;margin-bottom:1.2em}
.article li{margin-bottom:.5em}
.article a{color:var(--red);text-decoration:underline;text-underline-offset:3px}
.toc{background:var(--grey-50);border:1px solid var(--grey-200);border-radius:var(--radius);padding:22px 26px;margin-bottom:34px}
.toc b{display:block;margin-bottom:10px;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;color:var(--grey-600)}
.toc ol{margin:0;padding-left:1.2em}
.toc li{margin-bottom:6px;font-size:.95rem}
.toc a{color:var(--grey-800);text-decoration:none}
.toc a:hover{color:var(--red)}

/* ---------- Footer ---------- */
.footer{background:var(--ink);color:#B8BEC7;padding:64px 0 0;font-size:.92rem}
.footer h4{color:#fff;font-size:.84rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:18px}
.footer a{color:#B8BEC7;transition:.16s}
.footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer ul{list-style:none;margin:0;padding:0}
.footer ul li{margin-bottom:11px}
.footer .brand-name{color:#fff}
.footer .brand-role{color:var(--grey-400)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);padding:24px 0 34px;font-size:.82rem;color:var(--grey-400);
  display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;
}
.disclaimer{
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:12px;
  padding:18px 22px;margin-bottom:36px;font-size:.83rem;line-height:1.6;color:var(--grey-400);
}
.disclaimer b{color:#E2E6EA}
.soc{display:flex;gap:10px;margin-top:18px}
.soc a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff}
.soc a:hover{background:var(--red)}

/* ---------- Floating contact ---------- */
.fab{position:fixed;right:20px;bottom:20px;z-index:90;display:flex;flex-direction:column;gap:11px}
.fab a{
  width:54px;height:54px;border-radius:50%;display:grid;place-items:center;color:#fff;
  box-shadow:var(--shadow-lg);transition:.2s;position:relative;
}
.fab a:hover{transform:scale(1.08)}
.fab .f-zalo{background:#0068FF}
.fab .f-phone{background:var(--red)}
.fab .f-mess{background:#0084FF}
.fab-pulse::after{
  content:'';position:absolute;inset:0;border-radius:50%;border:2px solid currentColor;
  animation:pulse 2s infinite;opacity:.6;
}
@keyframes pulse{0%{transform:scale(1);opacity:.6}100%{transform:scale(1.5);opacity:0}}

/* ---------- Misc ---------- */
.logos{display:flex;gap:34px;align-items:center;flex-wrap:wrap;justify-content:center;opacity:.9}
.logo-chip{
  padding:10px 22px;border:1.5px solid var(--grey-200);border-radius:10px;font-weight:700;
  color:var(--grey-600);font-size:.95rem;background:#fff;
}
.quote{
  background:#fff;border:1px solid var(--grey-200);border-radius:var(--radius-lg);padding:30px;
}
.quote p{font-size:1.02rem;font-style:italic;color:var(--grey-800)}
.quote footer{display:flex;align-items:center;gap:12px;margin-top:18px}
.quote .av{width:44px;height:44px;border-radius:50%;background:var(--red-soft);color:var(--red);display:grid;place-items:center;font-weight:700}
.quote b{display:block;font-size:.94rem}
.quote span{font-size:.82rem;color:var(--grey-400)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:34px}}
.pill-list{display:flex;gap:9px;flex-wrap:wrap;margin-bottom:26px}
.pill{padding:7px 15px;border-radius:999px;background:#fff;border:1px solid var(--grey-200);font-size:.85rem;font-weight:600;color:var(--grey-800);cursor:pointer;transition:.18s}
.pill:hover{border-color:var(--red);color:var(--red)}
.pill.active{background:var(--red);border-color:var(--red);color:#fff}
.hide{display:none !important}

/* ---------- Mobile refinements ---------- */
@media(max-width:760px){
  :root{--header-h:64px}
  .header-inner{gap:12px;padding:0 16px}
  .brand-mark{width:38px;height:38px;border-radius:10px;font-size:.92rem}
  .brand-role{display:none}
  .brand-name{font-size:.98rem}
  .header-actions{gap:4px}
  .header-actions .icon-btn:not(.burger){display:none}
  .header-actions .btn-primary{display:none}
  .wrap{padding:0 18px}
  .section{padding:52px 0}
  .section-sm{padding:36px 0}
  .page-head{padding:40px 0 44px}
  .card,.tool{padding:22px}
  .form-card{padding:24px 20px}
  .calc-body{padding:22px 20px}
  .calc-head{padding:20px}
  .hero-inner{padding:38px 18px 48px}
  .hero-stats{gap:22px;margin-top:28px}
  .hero-stat b{font-size:1.45rem}
  .hero-badge{position:static;margin-top:16px;max-width:none;box-shadow:var(--shadow)}
  .btn{width:100%;justify-content:center}
  .btn-row{flex-direction:column;align-items:stretch}
  .mobile-nav .btn-row{flex-direction:column}
  .fab a{width:46px;height:46px}
  .fab{right:12px;bottom:12px;gap:9px}
  .step{padding-left:52px}
  .step::before{width:36px;height:36px;font-size:.94rem}
  .step::after{left:17.5px;top:42px}
  .cta-band{padding:30px 22px}
  .acc-q{padding:16px 18px;font-size:.95rem}
  .acc-a-inner{padding:0 18px 18px}
  .article p,.article li{font-size:1rem}
  .toc{padding:18px 20px}
  .disclaimer{padding:16px 18px;font-size:.78rem}
}
@media(max-width:760px){
  .btn-row .btn{width:100%}
  .hero .btn-row{max-width:340px}
}
/* prevent any horizontal overflow */
html,body{overflow-x:hidden;max-width:100%}
.mobile-nav .btn-row a{display:inline-flex;padding:14px 26px;border-bottom:0;justify-content:center;text-align:center}

/* ============================================================
   v2 — Popup phân nhánh nhu cầu + cá nhân hoá theo tệp
   ============================================================ */
.gate{
  position:fixed;inset:0;z-index:1000;background:rgba(15,17,21,.72);
  backdrop-filter:blur(6px);display:none;align-items:center;justify-content:center;padding:20px;
  opacity:0;transition:opacity .25s ease;
}
.gate.show{display:flex;opacity:1}
.gate-card{
  background:#fff;border-radius:24px;max-width:620px;width:100%;max-height:92vh;overflow-y:auto;
  box-shadow:0 30px 80px rgba(0,0,0,.35);transform:translateY(14px);transition:transform .3s ease;
}
.gate.show .gate-card{transform:translateY(0)}
.gate-head{padding:32px 34px 22px;text-align:center;border-bottom:1px solid var(--grey-100)}
.gate-head .brand{justify-content:center;margin-bottom:18px}
.gate-head h2{font-size:1.42rem;margin-bottom:8px}
.gate-head p{color:var(--grey-600);font-size:.95rem;margin:0}
.gate-body{padding:22px 26px 12px;display:grid;gap:10px}
.gate-opt{
  display:flex;align-items:center;gap:16px;padding:16px 18px;border:1.6px solid var(--grey-200);
  border-radius:15px;cursor:pointer;transition:.18s;text-align:left;background:#fff;width:100%;font-family:inherit;
}
.gate-opt:hover{border-color:var(--red);background:var(--red-soft);transform:translateX(3px)}
.gate-opt .g-ico{
  width:46px;height:46px;border-radius:13px;background:var(--red-soft);color:var(--red);
  display:grid;place-items:center;flex-shrink:0;transition:.18s;
}
.gate-opt:hover .g-ico{background:var(--red);color:#fff}
.gate-opt b{display:block;font-size:1.02rem;margin-bottom:2px;color:var(--ink)}
.gate-opt span{display:block;font-size:.86rem;color:var(--grey-600);line-height:1.45}
.gate-opt .g-arrow{margin-left:auto;color:var(--grey-400);flex-shrink:0}
.gate-foot{padding:6px 26px 26px;text-align:center}
.gate-skip{
  background:none;border:0;color:var(--grey-400);font-size:.9rem;cursor:pointer;font-family:inherit;
  text-decoration:underline;text-underline-offset:3px;padding:8px;
}
.gate-skip:hover{color:var(--red)}
@media(max-width:560px){
  .gate{padding:0;align-items:flex-end}
  .gate-card{border-radius:22px 22px 0 0;max-height:94vh}
  .gate-head{padding:24px 20px 18px}
  .gate-head h2{font-size:1.22rem}
  .gate-body{padding:18px 16px 8px}
  .gate-opt{padding:14px;gap:13px}
  .gate-foot{padding:4px 16px 22px}
}

/* Track band */
.track-band{
  background:var(--ink);color:#fff;padding:11px 0;font-size:.88rem;display:none;
}
.track-band.show{display:block}
.track-band .wrap{display:flex;align-items:center;gap:14px;flex-wrap:wrap;justify-content:space-between}
.track-band b{color:#fff}
.track-label{display:inline-flex;align-items:center;gap:9px}
.track-dot{width:8px;height:8px;border-radius:50%;background:var(--red);flex-shrink:0}
.track-change{
  background:rgba(255,255,255,.12);border:0;color:#fff;font-family:inherit;font-size:.82rem;
  padding:6px 14px;border-radius:999px;cursor:pointer;transition:.18s;
}
.track-change:hover{background:var(--red)}

/* Personalised block */
.for-you{display:none}
.for-you.show{display:block}
.fy-band{
  background:linear-gradient(120deg,var(--red-soft) 0%,#fff 100%);
  border:1.6px solid var(--red-soft2);border-radius:var(--radius-lg);padding:30px 32px;
}
.fy-band .eyebrow{margin-bottom:10px}
.fy-band h3{font-size:1.32rem;margin-bottom:8px}
.fy-band p{color:var(--grey-700);margin-bottom:20px}
.fy-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media(max-width:760px){.fy-links{grid-template-columns:1fr}}
.fy-link{
  background:#fff;border:1px solid var(--grey-200);border-radius:13px;padding:16px 18px;
  display:flex;align-items:center;gap:12px;transition:.18s;font-size:.93rem;font-weight:600;
}
.fy-link:hover{border-color:var(--red);color:var(--red);transform:translateY(-2px);box-shadow:var(--shadow)}
.fy-link .fyi{width:34px;height:34px;border-radius:9px;background:var(--red-soft);color:var(--red);display:grid;place-items:center;flex-shrink:0}

/* Entry cards trong hero */
.entry-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:30px}
@media(max-width:620px){.entry-grid{grid-template-columns:1fr}}
.entry{
  background:rgba(255,255,255,.85);border:1.5px solid rgba(211,17,69,.16);border-radius:14px;
  padding:15px 16px;display:flex;align-items:center;gap:13px;transition:.18s;backdrop-filter:blur(4px);
}
.entry:hover{background:#fff;border-color:var(--red);transform:translateY(-2px);box-shadow:var(--shadow)}
.entry .e-ico{width:36px;height:36px;border-radius:10px;background:var(--red-soft);color:var(--red);display:grid;place-items:center;flex-shrink:0}
.entry b{display:block;font-size:.95rem;line-height:1.3}
.entry span{display:block;font-size:.78rem;color:var(--grey-600)}

/* Trust bar */
.trust{background:var(--ink);color:#fff;padding:0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
@media(max-width:860px){.trust-grid{grid-template-columns:repeat(2,1fr)}}
.trust-item{padding:30px 26px;border-right:1px solid rgba(255,255,255,.1)}
.trust-item:last-child{border-right:0}
@media(max-width:860px){
  .trust-item{border-bottom:1px solid rgba(255,255,255,.1)}
  .trust-item:nth-child(2n){border-right:0}
}
.trust-item .ti-ico{width:38px;height:38px;border-radius:10px;background:rgba(211,17,69,.22);color:#FF7FA3;display:grid;place-items:center;margin-bottom:14px}
.trust-item b{display:block;font-size:1.02rem;margin-bottom:5px}
.trust-item span{font-size:.86rem;color:#A8AEB8;line-height:1.5}

/* Journey */
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative;margin-top:44px}
@media(max-width:900px){.journey{grid-template-columns:1fr;gap:14px}}
.jstep{text-align:center;padding:0 14px;position:relative}
@media(max-width:900px){.jstep{text-align:left;padding:0 0 0 60px}}
.jstep::after{
  content:'';position:absolute;top:26px;left:50%;width:100%;height:2px;background:var(--grey-200);z-index:0;
}
.jstep:last-child::after{display:none}
@media(max-width:900px){.jstep::after{display:none}}
.jnum{
  width:52px;height:52px;border-radius:50%;background:#fff;border:2px solid var(--red);color:var(--red);
  display:grid;place-items:center;margin:0 auto 16px;font-weight:800;position:relative;z-index:1;font-size:1.05rem;
}
@media(max-width:900px){.jnum{position:absolute;left:0;top:0;margin:0;width:44px;height:44px}}
.jstep h4{font-size:1rem;margin-bottom:6px}
.jstep p{font-size:.88rem;color:var(--grey-600);margin:0}

/* Footer note gọn */
.footnote{
  border-top:1px solid rgba(255,255,255,.1);padding:20px 0 0;margin-top:8px;
  font-size:.8rem;color:var(--grey-400);line-height:1.6;
}