/* VayTàiChính – stylesheet chính (tách từ index.html) */
/* =========================================================
   Design system: Organic Biophilic + E-Ink/Paper
   (UI UX Pro Max – Sustainable / Climate Tech palette)
   ========================================================= */
:root{
  --primary:#059669;        /* nature green */
  --primary-strong:#047857; /* buttons, white text AA */
  --secondary:#10B981;
  --accent:#F59E0B;         /* solar gold */
  --accent-ink:#78350F;
  --bg:#F7FBF8;             /* paper-mint */
  --bg-alt:#ECFDF5;
  --fg:#064E3B;             /* forest ink */
  --ink:#0F172A;
  --muted:#E8F1F3;
  --muted-fg:#475569;
  --border:#D1FAE5;
  --border-strong:#A7F3D0;
  --card:#FFFFFF;
  --danger:#DC2626;
  --earth:#8B5E3C;
  --radius:24px; --radius-sm:16px;
  --shadow:0 8px 32px rgba(6,78,59,.08);
  --shadow-lg:0 20px 48px rgba(6,78,59,.14);
  --serif:"Lora",Georgia,serif;
  --sans:"Be Vietnam Pro",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font-family:var(--sans);color:var(--fg);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;position:relative}
/* subtle paper grain */
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:0;opacity:.35;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 0.02 0 0 0 0 0.3 0 0 0 0 0.23 0 0 0 .05 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
body>*{position:relative;z-index:1}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,select{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:8px}
.container{width:min(1200px,100% - 32px);margin-inline:auto}
.section{padding:96px 0}
.section.alt{background:var(--bg-alt)}
h1,h2,h3,.serif{font-family:var(--serif);letter-spacing:-.01em}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--primary-strong)}
.eyebrow::before{content:"";width:18px;height:18px;flex:none;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23059669'%3E%3Cpath d='M20 4C10 4 4 9 4 16c0 1.5.3 2.8.8 4C6 14 10 10 16 8c-5 3-8 7-9 12.5.9.3 1.9.5 3 .5 7 0 10-7 10-17z'/%3E%3C/svg%3E") center/contain no-repeat}
.sec-head{max-width:720px;margin:0 auto 48px;text-align:center}
.sec-head h2{font-size:clamp(30px,4vw,44px);line-height:1.18;margin:12px 0;font-weight:600;color:var(--fg)}
.sec-head h2 em{font-style:italic;color:var(--primary)}
.sec-head p{color:var(--muted-fg);font-size:17px}
.sec-head.left{text-align:left;margin-left:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 26px;border-radius:999px;font-weight:600;border:0;cursor:pointer;transition:background .2s,transform .2s,box-shadow .2s;white-space:nowrap}
.btn-primary{background:var(--primary-strong);color:#fff;box-shadow:0 8px 20px rgba(4,120,87,.25)}
.btn-primary:hover{background:#065F46;transform:translateY(-2px)}
.btn-gold{background:var(--accent);color:var(--ink)}
.btn-gold:hover{background:#FBBF24}
.btn-ghost{background:var(--card);color:var(--fg);border:1.5px solid var(--border-strong)}
.btn-ghost:hover{border-color:var(--primary);color:var(--primary-strong)}
.btn-sm{min-height:42px;padding:9px 20px;font-size:15px}

/* ---------- Nav (floating pill) ---------- */
.topbar{font-size:13px;color:var(--muted-fg)}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:10px 0}
.topbar b{color:var(--fg)}
header.nav{position:sticky;top:12px;z-index:50;margin-top:4px}
.nav-inner{display:flex;align-items:center;gap:24px;height:68px;padding:0 10px 0 22px;background:rgba(255,255,255,.82);backdrop-filter:blur(14px);border:1px solid var(--border);border-radius:999px;box-shadow:var(--shadow)}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;font-size:22px;color:var(--fg)}
.logo-mark{width:36px;height:36px;border-radius:50% 50% 50% 12px;background:linear-gradient(135deg,var(--secondary),var(--primary-strong));display:grid;place-items:center;color:#fff}
.logo span{color:var(--primary)}
.menu{display:flex;gap:2px;margin-left:auto}
.menu a{padding:9px 14px;border-radius:999px;font-weight:500;font-size:15px;color:var(--muted-fg);transition:.2s}
.menu a:hover{background:var(--bg-alt);color:var(--fg)}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;width:44px;height:44px;border-radius:50%}
.burger span{display:block;width:22px;height:2px;background:var(--fg);margin:5px auto;border-radius:2px}

/* ---------- Hero ---------- */
.hero{padding:56px 0 40px;overflow:hidden}
.hero .hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;position:relative}
.blob{position:absolute;z-index:-1;pointer-events:none}
.blob.b1{width:520px;right:-120px;top:-80px;opacity:.9}
.blob.b2{width:300px;left:-140px;bottom:-60px;opacity:.7}
.live{display:inline-flex;align-items:center;gap:10px;background:var(--card);border:1px solid var(--border);padding:7px 16px 7px 10px;border-radius:999px;font-size:14px;color:var(--muted-fg);box-shadow:var(--shadow)}
.live b{color:var(--fg)}
.dot{width:10px;height:10px;border-radius:50%;background:var(--secondary);box-shadow:0 0 0 4px rgba(16,185,129,.2);animation:pulse 2s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 8px rgba(16,185,129,0)}}
.hero h1{font-size:clamp(38px,5.4vw,64px);line-height:1.08;font-weight:600;margin:22px 0 18px;color:var(--fg)}
.hero h1 em{font-style:italic;color:var(--primary);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:4px;height:10px;background:var(--accent);opacity:.35;border-radius:8px;z-index:-1}
.hero .lead{font-size:18px;color:var(--muted-fg);max-width:560px}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:12px 20px;margin:28px 0 32px;max-width:540px;list-style:none}
.checks li{display:flex;gap:10px;align-items:center;font-weight:500}
.checks svg{flex:none;color:var(--primary)}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}

.form-card{background:var(--card);border-radius:32px 32px 32px 12px;padding:32px;box-shadow:var(--shadow-lg);border:1px solid var(--border)}
.form-card h3{font-size:26px;font-weight:600}
.form-card .sub{color:var(--muted-fg);font-size:14px;margin:4px 0 20px}
.field{margin-bottom:14px}
.field>label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.field>label i{color:var(--danger);font-style:normal}
.input{width:100%;min-height:48px;padding:12px 16px;border:1.5px solid var(--border-strong);border-radius:14px;background:#FCFFFD;outline:none;transition:.2s}
.input:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(5,150,105,.15)}
.input.err{border-color:var(--danger)}
.err-msg{color:var(--danger);font-size:13px;margin-top:4px;display:none}
.field.invalid .err-msg{display:block}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.chip{position:relative}
.chip input{position:absolute;opacity:0}
.chip span{display:flex;align-items:center;min-height:48px;height:100%;padding:8px 12px;border:1.5px solid var(--border-strong);border-radius:14px;font-size:14px;line-height:1.35;cursor:pointer;transition:.15s}
.chip input:checked+span{border-color:var(--primary);background:var(--bg-alt);color:var(--primary-strong);font-weight:600}
.chip input:focus-visible+span{outline:3px solid var(--accent);outline-offset:2px}
.note{font-size:13px;color:var(--muted-fg);background:var(--muted);border-radius:12px;padding:10px 12px;margin:4px 0 14px}
.consent{display:flex;gap:10px;font-size:13.5px;color:var(--muted-fg);margin-bottom:16px;align-items:flex-start}
.consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--primary)}
.consent a{color:var(--primary-strong);font-weight:600;text-decoration:underline}
.form-card .btn{width:100%}
.form-success{display:none;text-align:center;padding:32px 8px}
.form-success .ok{width:68px;height:68px;border-radius:50% 50% 50% 16px;background:var(--bg-alt);color:var(--primary);display:grid;place-items:center;margin:0 auto 14px}

/* ---------- Data strip (KPI) ---------- */
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:48px}
.kpi{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow)}
.kpi small{display:block;color:var(--muted-fg);font-size:13.5px}
.kpi b{display:block;font-family:var(--serif);font-size:34px;font-weight:600;line-height:1.2;color:var(--fg);margin:4px 0 2px}
.kpi .trend{font-size:13px;font-weight:600;color:var(--primary-strong)}
.kpi:nth-child(2) b{color:var(--primary)}

/* ---------- Rates ---------- */
.rate-wrap{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--border);overflow:hidden}
.tabs-bar{display:flex;gap:12px;padding:16px;border-bottom:1px solid var(--border);flex-wrap:wrap;align-items:center}
.seg{display:inline-flex;background:var(--bg-alt);border-radius:999px;padding:4px;gap:2px}
.tab{min-height:42px;padding:8px 18px;border-radius:999px;border:0;background:transparent;font-weight:600;color:var(--muted-fg);cursor:pointer;transition:.2s}
.tab.active{background:var(--card);color:var(--primary-strong);box-shadow:0 2px 8px rgba(6,78,59,.1)}
.filter{margin-left:auto;display:flex;gap:8px;align-items:center;font-size:14px;color:var(--muted-fg)}
.filter select{min-height:42px;padding:8px 14px;border-radius:999px;border:1.5px solid var(--border-strong);background:var(--card)}
.table-scroll{overflow-x:auto}
table{width:100%;border-collapse:collapse;min-width:720px;font-variant-numeric:tabular-nums}
th,td{padding:14px 20px;text-align:left;border-bottom:1px solid var(--border);font-size:15px}
th{font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted-fg);font-weight:700;background:#FAFDFB}
th[data-c]{cursor:pointer;user-select:none}
th[data-c]:hover{color:var(--primary-strong)}
th.num,td.num{text-align:right}
tbody tr{transition:background .15s}
tbody tr:hover{background:#F3FBF6}
.bank{display:flex;align-items:center;gap:12px;font-weight:600}
.bank-logo{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;font-size:12px;font-weight:700;color:#fff;flex:none}
.bank-logo.img{background:#fff;border:1px solid var(--border);padding:4px}
.bank-logo img{width:100%;height:100%;object-fit:contain}
.rank{width:28px;height:28px;border-radius:50%;background:var(--muted);display:grid;place-items:center;font-weight:700;font-size:13px}
tr:first-child .rank{background:var(--accent);color:var(--ink)}
.rate-hl{font-weight:700;color:var(--primary-strong);font-size:17px}
.best{display:inline-flex;align-items:center;gap:4px;margin-left:8px;font-size:11.5px;font-weight:700;color:var(--accent-ink);background:#FEF3C7;padding:2px 8px;border-radius:999px;vertical-align:middle}
.tag{display:inline-block;font-size:12px;padding:3px 10px;border-radius:999px;background:var(--bg-alt);color:var(--primary-strong);font-weight:600}
.rate-foot{display:flex;justify-content:space-between;gap:16px;padding:14px 20px;font-size:13px;color:var(--muted-fg);flex-wrap:wrap}
.disclaimer{color:var(--accent-ink);background:#FEF3C7;padding:2px 8px;border-radius:6px;font-weight:600}

/* bank grid */
.banks{margin-top:56px}
.banks-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:18px;flex-wrap:wrap}
.banks-head h3{font-size:24px;font-weight:600}
.banks-head span{color:var(--muted-fg);font-size:14px}
.bank-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(175px,1fr));gap:10px}
.bank-tile{display:flex;align-items:center;gap:10px;background:var(--card);border:1px solid var(--border);border-radius:16px;padding:10px 12px;font-weight:500;font-size:14px;transition:.2s;min-width:0}
.bank-tile:hover{border-color:var(--primary);box-shadow:var(--shadow)}
.bank-tile img{width:32px;height:32px;object-fit:contain;flex:none}
.bank-tile span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.bank-tile.extra{display:none}
.bank-grid.show-all .bank-tile.extra{display:flex;animation:fadeIn .3s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.more-wrap{display:flex;justify-content:center;margin-top:16px}
.more-wrap .chev{transition:transform .2s}
#bankMore[aria-expanded="true"] .chev{transform:rotate(180deg)}

/* ---------- Calculator (interactive demo) ---------- */
.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:24px}
.calc-box{background:var(--card);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow);border:1px solid var(--border)}
.range-row{margin-bottom:26px}
.range-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px;gap:12px}
.range-top label{font-weight:600}
.range-top output{font-family:var(--serif);font-size:24px;font-weight:600;color:var(--primary-strong)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(to right,var(--primary) var(--p,50%),var(--muted) var(--p,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:6px solid var(--primary);box-shadow:0 2px 8px rgba(6,78,59,.3)}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--primary)}
.range-mm{display:flex;justify-content:space-between;font-size:13px;color:var(--muted-fg);margin-top:6px}
.method-label{font-weight:600;display:block;margin-bottom:10px}
.result{background:var(--fg);color:#ECFDF5;border-radius:var(--radius) var(--radius) var(--radius) 8px;padding:32px;display:flex;flex-direction:column;position:relative;overflow:hidden}
.result::after{content:"";position:absolute;width:260px;height:260px;right:-90px;top:-90px;border-radius:42% 58% 63% 37%/45% 40% 60% 55%;background:rgba(16,185,129,.18)}
.result>*{position:relative;z-index:1}
.result small{color:#A7F3D0}
.result .big{font-family:var(--serif);font-size:clamp(34px,4vw,46px);font-weight:600;margin:4px 0 22px;color:#fff}
.result dl{display:grid;grid-template-columns:1fr auto;gap:12px;padding:20px 0;border-top:1px solid rgba(167,243,208,.25);border-bottom:1px solid rgba(167,243,208,.25);margin-bottom:20px}
.result dd{font-weight:700;text-align:right;color:#fff;font-variant-numeric:tabular-nums}
.result dt{color:#D1FAE5}
.bar{height:12px;border-radius:99px;background:rgba(255,255,255,.15);overflow:hidden;display:flex;margin-bottom:8px}
.bar i{display:block;height:100%}
.legend{display:flex;gap:18px;font-size:13px;color:#D1FAE5;margin-bottom:22px}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px;background:var(--c)}
.result .btn{margin-top:auto}
.fine{font-size:12.5px;color:#A7F3D0;margin-top:12px}

/* ---------- Loan packages ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pcard{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;transition:.25s;position:relative}
.pcard:nth-child(3n+1){border-radius:24px 24px 24px 8px}
.pcard:nth-child(3n+2){border-radius:24px 8px 24px 24px}
.pcard:nth-child(3n){border-radius:8px 24px 24px 24px}
.pcard:hover{box-shadow:var(--shadow-lg);border-color:var(--border-strong);transform:translateY(-4px)}
.pcard .ic{width:56px;height:56px;border-radius:50% 50% 50% 14px;display:grid;place-items:center;margin-bottom:18px}
.pcard h3{font-size:21px;font-weight:600;margin-bottom:6px}
.pcard p{color:var(--muted-fg);font-size:15px;margin-bottom:18px}
.pmeta{display:grid;grid-template-columns:1fr 1fr;gap:10px;background:var(--bg-alt);border-radius:16px;padding:14px;margin-bottom:16px}
.pmeta small{display:block;color:var(--muted-fg);font-size:12.5px}
.pmeta b{font-size:18px;font-variant-numeric:tabular-nums}
.pmeta b.hl{color:var(--primary-strong)}
details.cond{margin-bottom:18px;font-size:14.5px}
details.cond summary{cursor:pointer;font-weight:600;color:var(--primary-strong);list-style:none;display:flex;align-items:center;gap:6px;min-height:32px}
details.cond summary::-webkit-details-marker{display:none}
details.cond summary::after{content:"+";font-size:18px}
details.cond[open] summary::after{content:"−"}
details.cond ul{margin:8px 0 0 18px;color:var(--muted-fg)}
.pcard .btn{margin-top:auto}
.hot{position:absolute;top:20px;right:20px;background:#FEF3C7;color:var(--accent-ink);font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px}

/* ---------- Steps (organic path) ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative;counter-reset:s}
.steps-path{position:absolute;left:17%;width:66%;top:34px;height:40px;z-index:0}
.step{text-align:center;position:relative;z-index:1}
.step .circle{width:72px;height:72px;border-radius:50% 50% 50% 18px;background:var(--card);border:2px solid var(--border-strong);display:grid;place-items:center;margin:0 auto 18px;box-shadow:var(--shadow);position:relative;color:var(--primary)}
.step .circle::after{counter-increment:s;content:counter(s);position:absolute;top:-8px;right:-8px;width:28px;height:28px;border-radius:50%;background:var(--accent);color:var(--ink);font-weight:700;font-size:14px;display:grid;place-items:center}
.step h4{font-family:var(--serif);font-size:19px;font-weight:600;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted-fg)}

/* ---------- Articles ---------- */
.art-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:32px;flex-wrap:wrap}
.art-head .sec-head{margin:0}
.link-more{color:var(--primary-strong);font-weight:600;display:inline-flex;gap:6px;align-items:center;min-height:44px}
.link-more:hover{text-decoration:underline}
.agrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.acard{background:var(--card);border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);transition:.25s;display:flex;flex-direction:column}
.acard:hover{box-shadow:var(--shadow-lg)}
.acard:hover h3{color:var(--primary-strong)}
.thumb{aspect-ratio:16/9;position:relative;display:grid;place-items:center;overflow:hidden}
.thumb::before{content:"";position:absolute;width:70%;aspect-ratio:1;border-radius:42% 58% 63% 37%/45% 40% 60% 55%;background:rgba(255,255,255,.18)}
.thumb svg{position:relative}
.thumb .cat{position:absolute;left:14px;top:14px;background:rgba(255,255,255,.94);color:var(--fg);font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px}
.acard .body{padding:20px 22px 22px;display:flex;flex-direction:column;flex:1}
.acard h3{font-size:19px;line-height:1.35;font-weight:600;margin-bottom:8px;transition:.2s}
.acard p{font-size:15px;color:var(--muted-fg);margin-bottom:14px}
.ameta{margin-top:auto;font-size:13px;color:var(--muted-fg)}

/* ---------- Knowledge ---------- */
.know{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.kfeat{border-radius:32px 32px 32px 10px;background:var(--fg);color:#ECFDF5;padding:40px;display:flex;flex-direction:column;justify-content:space-between;min-height:380px;position:relative;overflow:hidden}
.kfeat .leaf{position:absolute;right:-40px;bottom:-40px;width:260px;opacity:.2}
.kfeat .eyebrow{color:#A7F3D0}
.kfeat h3{font-size:30px;line-height:1.25;font-weight:600;margin:14px 0 12px;max-width:440px;color:#fff}
.kfeat p{color:#D1FAE5;max-width:440px}
.kfeat .btn{width:fit-content;margin-top:24px}
.klist{display:flex;flex-direction:column;gap:12px}
.kitem{display:flex;gap:16px;align-items:center;background:var(--card);border:1px solid var(--border);border-radius:18px;padding:16px 18px;transition:.2s}
.kitem:hover{border-color:var(--primary)}
.kitem .num{font-family:var(--serif);font-size:24px;font-weight:600;color:var(--secondary);min-width:36px}
.kitem h4{font-size:16px;font-weight:600}
.kitem p{font-size:14px;color:var(--muted-fg)}
.glossary{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.glossary button{min-height:40px;border:1.5px solid var(--border-strong);background:var(--card);border-radius:999px;padding:6px 16px;font-weight:500;font-size:14px;cursor:pointer;color:var(--muted-fg);transition:.15s}
.glossary button:hover,.glossary button.active{border-color:var(--primary);color:var(--primary-strong);background:var(--bg-alt)}
.gdef{margin-top:14px;background:var(--card);border-left:4px solid var(--accent);border-radius:12px;padding:14px 18px;font-size:15px;color:var(--muted-fg);min-height:56px}
.gdef b{color:var(--fg)}

/* ---------- News ---------- */
.ticker{display:flex;gap:24px;overflow:hidden;background:var(--card);border:1px solid var(--border);border-radius:999px;padding:10px 18px;margin-bottom:28px;font-size:14px;white-space:nowrap;align-items:center}
.ticker .lbl{background:var(--fg);color:#fff;padding:3px 12px;border-radius:999px;font-weight:600;flex:none;position:relative;z-index:1;box-shadow:12px 0 12px 4px #fff}
.ticker-track{display:flex;gap:36px;animation:tick 40s linear infinite;font-variant-numeric:tabular-nums}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker b{color:var(--primary-strong);font-weight:600}
.ticker b.dn{color:var(--danger)}
@keyframes tick{to{transform:translateX(-50%)}}
.news{display:grid;grid-template-columns:1.2fr 1fr;gap:24px}
.nfeat{border-radius:var(--radius);overflow:hidden;background:var(--card);border:1px solid var(--border)}
.nfeat .thumb{aspect-ratio:16/10}
.nfeat .body{padding:24px}
.nfeat h3{font-size:26px;line-height:1.3;font-weight:600;margin:10px 0}
.nfeat p{color:var(--muted-fg)}
.nlist{display:flex;flex-direction:column}
.nrow{display:grid;grid-template-columns:112px 1fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--border);align-items:center}
.nrow:first-child{padding-top:0}
.nrow .thumb{aspect-ratio:4/3;border-radius:16px 16px 16px 6px}
.nrow h4{font-size:16px;line-height:1.4;font-weight:600;margin:3px 0}
.nrow:hover h4{color:var(--primary-strong)}
.kicker{font-size:12px;font-weight:700;color:var(--earth);text-transform:uppercase;letter-spacing:.05em}
.time{font-size:13px;color:var(--muted-fg)}

/* ---------- FAQ ---------- */
.faq{max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--card);border:1px solid var(--border);border-radius:20px;padding:0 24px;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:var(--border-strong)}
.faq summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:600;font-size:17px;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:32px;height:32px;flex:none;border-radius:50%;background:var(--bg-alt) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23047857' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") center no-repeat;transition:.2s}
.faq details[open] summary::after{transform:rotate(180deg)}
.faq details p{padding:0 0 20px;color:var(--muted-fg)}
.faq a{color:var(--primary-strong);font-weight:600;text-decoration:underline}

/* ---------- CTA ---------- */
.cta{background:var(--primary-strong);border-radius:40px 40px 40px 12px;padding:56px;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;width:340px;height:340px;right:-100px;bottom:-160px;border-radius:42% 58% 63% 37%/45% 40% 60% 55%;background:rgba(245,158,11,.22)}
.cta>*{position:relative;z-index:1}
.cta h2{font-size:clamp(28px,3.6vw,40px);font-weight:600;line-height:1.2}
.cta p{color:#D1FAE5;margin-top:8px}
.cta .acts{display:flex;gap:12px;flex-wrap:wrap}
.cta .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.cta .btn-ghost:hover{border-color:#fff;color:#fff}

/* ---------- Footer ---------- */
footer{background:var(--fg);color:#A7F3D0;padding:64px 0 24px;font-size:15px;margin-top:96px;border-radius:48px 48px 0 0}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
footer h5{color:#fff;font-size:15px;margin-bottom:16px}
footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
footer a:hover{color:#fff}
footer .logo{color:#fff;margin-bottom:14px}
footer .logo span{color:var(--accent)}
.hotline{display:flex;flex-direction:column;gap:10px}
.hotline div{background:rgba(255,255,255,.06);border-radius:16px;padding:12px 14px}
.hotline b{display:block;color:#fff;font-size:18px}
.beta{display:inline-block;background:rgba(245,158,11,.18);color:#FCD34D;font-weight:600;padding:1px 10px;border-radius:999px;margin:0 2px}
.fbottom{border-top:1px solid rgba(167,243,208,.15);margin-top:40px;padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}

/* ---------- Floating ---------- */
.float{position:fixed;right:18px;bottom:18px;z-index:60;display:flex;flex-direction:column;gap:10px}
.fab{width:56px;height:56px;border-radius:50% 50% 50% 16px;display:grid;place-items:center;color:#fff;box-shadow:0 10px 24px rgba(6,78,59,.25);transition:.2s}
.fab:hover{transform:scale(1.06)}
.fab.call{background:var(--primary-strong)}
.fab.zalo{background:#0068FF;font-weight:700;font-size:13px}
.mobile-cta{display:none}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .menu{display:none}
  .burger{display:block}
  .nav-inner .btn{display:none}
  .menu.open{display:flex;position:absolute;top:76px;left:0;right:0;flex-direction:column;background:var(--card);padding:12px;border:1px solid var(--border);border-radius:24px;box-shadow:var(--shadow-lg)}
  .menu.open a{padding:12px 16px}
  .cards{grid-template-columns:repeat(2,1fr)}
  .fgrid{grid-template-columns:1fr 1fr}
  .kpis{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  .hero .hero-grid,.calc,.know,.news{grid-template-columns:1fr}
  .agrid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr;row-gap:36px;max-width:420px;margin-inline:auto}
  .steps-path{display:none}
  .section{padding:72px 0}
}
@media (max-width:600px){
  .topbar .hide-m{display:none}
  header.nav{top:8px}
  .nav-inner{height:60px;padding:0 6px 0 16px}
  .hero{padding:32px 0 24px}
  .checks{grid-template-columns:1fr}
  .form-card{padding:22px}
  .chips{grid-template-columns:1fr}
  .kpi b{font-size:28px}
  .cards,.agrid,.steps{grid-template-columns:1fr}
  .calc-box,.result,.kfeat{padding:24px}
  .nrow{grid-template-columns:92px 1fr}
  .cta{padding:32px 22px}
  .fgrid{grid-template-columns:1fr}
  .filter{margin-left:0;width:100%}
  .bank-grid{grid-template-columns:repeat(2,1fr)}
  .float{bottom:80px}
  .mobile-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:59;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);padding:10px 16px;gap:10px;border-top:1px solid var(--border)}
  .mobile-cta .btn{flex:1;padding:10px}
  body{padding-bottom:72px}
}