/* ===== Variables ===== */
:root {
  --color-bg: #f8f9fb;
  --color-bg-alt: #eef1f6;
  --color-primary: #0a1628;
  --color-primary-light: #1a2d4a;
  --color-accent: #c9a227;
  --color-accent-hover: #b8922a;
  --color-text: #1e293b;
  --color-text-light: #64748b;
  --color-white: #ffffff;
  --color-success: #16a34a;
  --color-consult: #2563eb;
  --color-service: #0a1628;
  --color-instant: #16a34a;
  --shadow-sm: 0 2px 8px rgba(10, 22, 40, 0.06);
  --shadow-md: 0 4px 20px rgba(10, 22, 40, 0.1);
  --shadow-lg: 0 8px 32px rgba(10, 22, 40, 0.14);
  --radius: 10px;
  --radius-lg: 16px;
  --transition: 0.25s ease;
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', system-ui, sans-serif;
  --header-height: 72px;
  --zalo-fab-size: 56px;
}

/* ===== Reset ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-height) + 1rem); }
body {
  font-family: var(--font-body);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.7rem 1.5rem;
  border: 2px solid transparent;
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--color-accent), #d4af37);
  color: var(--color-primary);
}
.btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn--outline {
  background: transparent;
  border-color: var(--color-primary);
  color: var(--color-primary);
}
.btn--outline:hover {
  background: var(--color-primary);
  color: var(--color-white);
}
.btn--sm { padding: 0.45rem 1rem; font-size: 0.85rem; }
.btn--lg { padding: 0.9rem 2rem; font-size: 1.05rem; }
.btn--full { width: 100%; }

/* ===== Header ===== */
.header {
  position: fixed;
  top: 0; left: 0; width: 100%;
  z-index: 1000;
  height: var(--header-height);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  transition: var(--transition);
}
.header--scrolled { box-shadow: var(--shadow-sm); }
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-primary);
}
.logo__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  background: var(--color-primary);
  color: var(--color-accent);
  border-radius: 8px;
  font-size: 0.85rem;
  font-weight: 700;
  font-family: var(--font-body);
}
.nav { display: flex; }
.nav__list { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.nav__link {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--color-text);
  transition: var(--transition);
  position: relative;
}
.nav__link::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: var(--color-accent);
  transition: var(--transition);
}
.nav__link:hover { color: var(--color-primary); }
.nav__link:hover::after { width: 100%; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--color-primary);
  transition: var(--transition);
}
.nav-toggle--open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle--open span:nth-child(2) { opacity: 0; }
.nav-toggle--open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ===== Hero ===== */
.hero {
  padding: calc(var(--header-height) + 4rem) 0 4rem;
  background: linear-gradient(160deg, var(--color-primary) 0%, var(--color-primary-light) 60%, #243b5c 100%);
  color: var(--color-white);
  text-align: center;
}
.hero__tagline {
  font-size: 0.85rem;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 0.75rem;
}
.hero__title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 3.25rem);
  margin-bottom: 1rem;
  line-height: 1.2;
}
.hero__desc {
  font-size: clamp(1rem, 2vw, 1.15rem);
  opacity: 0.85;
  max-width: 560px;
  margin: 0 auto 2rem;
}
.hero__stats {
  display: flex;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
  margin-top: 2.5rem;
}
.hero__stat-num {
  display: block;
  font-family: var(--font-heading);
  font-size: 2rem;
  color: var(--color-accent);
}
.hero__stat-label { font-size: 0.85rem; opacity: 0.7; }

/* ===== Category Tabs ===== */
.category-tabs {
  background: var(--color-white);
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
  position: sticky;
  top: var(--header-height);
  z-index: 100;
}
.category-tabs__inner {
  display: flex;
  gap: 0.5rem;
  overflow-x: auto;
  padding: 0.75rem 0;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.category-tabs__inner::-webkit-scrollbar { display: none; }
.category-tab {
  flex-shrink: 0;
  padding: 0.5rem 1.25rem;
  border-radius: 50px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--color-text-light);
  background-color: var(--color-bg);
  transition: var(--transition);
  border: 1px solid transparent;
  white-space: nowrap;
  -webkit-text-fill-color: currentColor;
}
.category-tab:is(:link, :visited):not(.category-tab--active) {
  color: var(--color-text-light);
  -webkit-text-fill-color: var(--color-text-light);
}
.category-tab:hover:not(.category-tab--active) {
  color: var(--color-primary);
  -webkit-text-fill-color: var(--color-primary);
  border-color: rgba(10, 22, 40, 0.1);
  background-color: var(--color-bg-alt);
}
.category-tab:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 2px;
}
.category-tab--active,
.category-tab--active:is(:link, :visited, :hover, :focus-visible) {
  background-color: var(--color-primary);
  color: #ffffff;
  -webkit-text-fill-color: #ffffff;
  border-color: var(--color-primary);
  font-weight: 600;
}

/* ===== Category Sections ===== */
.category-section {
  padding: 4rem 0;
}
.category-section:nth-child(even) { background: var(--color-bg-alt); }
.category-section__header { margin-bottom: 2.5rem; }
.category-section__title-row {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 0.75rem;
}
.category-section__title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-primary);
}
.category-section__badge {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.25rem 0.75rem;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.category-section__badge--consult {
  background: rgba(37, 99, 235, 0.1);
  color: var(--color-consult);
}
.category-section__badge--instant {
  background: rgba(22, 163, 74, 0.1);
  color: var(--color-instant);
}
.category-section__badge--coming {
  background: rgba(100, 116, 139, 0.12);
  color: #64748b;
}
.category-section__desc {
  color: var(--color-text-light);
  max-width: 680px;
  font-size: 0.95rem;
}

/* ===== Product Grid & Card ===== */
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.75rem;
}
.product-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.product-card__image {
  position: relative;
  height: 200px;
  overflow: hidden;
}
.product-card__image img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.product-card:hover .product-card__image img { transform: scale(1.05); }
.product-card__badge {
  position: absolute;
  top: 12px; right: 12px;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 0.25rem 0.65rem;
  border-radius: 50px;
  text-transform: uppercase;
}
.product-card__badge--consult { background: var(--color-consult); color: white; }
.product-card__badge--service { background: var(--color-primary); color: var(--color-accent); }
.product-card__badge--free { background: var(--color-instant); color: white; }
.product-card__badge--trial { background: var(--color-accent); color: var(--color-primary); }
.product-card__badge--instant { background: var(--color-instant); color: white; }

.product-card--coming-soon {
  border: 1px dashed rgba(201, 162, 39, 0.4);
  background: var(--color-white);
  box-shadow: var(--shadow-sm);
}
.product-card--coming-soon:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.product-card__image--placeholder {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(
    145deg,
    var(--color-primary) 0%,
    var(--color-primary-light) 52%,
    rgba(201, 162, 39, 0.55) 100%
  );
  overflow: hidden;
}
.product-card__image--placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 22% 18%, rgba(201, 162, 39, 0.22) 0%, transparent 45%),
    radial-gradient(circle at 88% 82%, rgba(255, 255, 255, 0.06) 0%, transparent 40%);
  pointer-events: none;
}
.product-card__placeholder-icon {
  position: relative;
  z-index: 1;
  width: 64px;
  height: 64px;
  padding: 0.75rem;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(201, 162, 39, 0.45);
  color: var(--color-accent);
  box-shadow: 0 4px 20px rgba(10, 22, 40, 0.25);
}
.product-card__placeholder-icon svg {
  width: 100%;
  height: 100%;
  display: block;
}
.product-card__placeholder-watermark {
  position: absolute;
  bottom: 10px;
  left: 12px;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: rgba(255, 255, 255, 0.42);
  text-transform: uppercase;
  pointer-events: none;
}
.product-card__placeholder-watermark svg {
  width: 13px;
  height: 13px;
  flex-shrink: 0;
  opacity: 0.75;
}
.product-card__badge--soon {
  background: rgba(10, 22, 40, 0.72);
  color: var(--color-accent);
  border: 1px solid rgba(201, 162, 39, 0.45);
  backdrop-filter: blur(4px);
}
.product-card--coming-soon .product-card__title {
  color: var(--color-primary);
}
.product-card--coming-soon .product-card__desc {
  opacity: 0.88;
}
.btn--notify {
  width: 100%;
  background: transparent;
  border: 1px solid #94a3b8;
  color: #64748b;
  font-size: 0.85rem;
  padding: 0.5rem 1rem;
}
.btn--notify:hover {
  background: #64748b;
  color: var(--color-white);
  border-color: #64748b;
}
.product-card__body {
  padding: 1.25rem 1.5rem 1.5rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.product-card__category {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.35rem;
}
.product-card__title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
  line-height: 1.3;
}
.product-card__title a:hover { color: var(--color-accent-hover); }
.product-card__desc {
  font-size: 0.88rem;
  color: var(--color-text-light);
  flex: 1;
  margin-bottom: 1rem;
  line-height: 1.5;
}
.product-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
}
.product-card__price {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-primary);
}

.empty-message {
  text-align: center;
  color: var(--color-text-light);
  padding: 2rem;
}

/* ===== Product Detail ===== */
.product-detail {
  padding: calc(var(--header-height) + 2rem) 0 4rem;
}
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--color-text-light);
  margin-bottom: 2rem;
}
.breadcrumb a:hover { color: var(--color-accent); }
.product-detail__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.product-detail__image {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  aspect-ratio: 3/2;
  object-fit: cover;
}
.product-detail__demo { margin-top: 1rem; }
.product-detail__category {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.product-detail__title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  margin: 0.5rem 0;
  color: var(--color-primary);
}
.product-detail__price {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}
.product-detail__badge {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 500;
  padding: 0.35rem 0.85rem;
  border-radius: 6px;
  margin-bottom: 1rem;
}
.product-detail__badge--consult { background: rgba(37, 99, 235, 0.1); color: var(--color-consult); }
.product-detail__badge--service { background: rgba(10, 22, 40, 0.08); color: var(--color-primary); }
.product-detail__badge--free { background: rgba(22, 163, 74, 0.1); color: var(--color-instant); }
.product-detail__badge--trial { background: rgba(201, 162, 39, 0.15); color: var(--color-accent-hover); }
.product-detail__badge--instant { background: rgba(22, 163, 74, 0.1); color: var(--color-instant); }
.product-detail__badge--soon { background: rgba(100, 116, 139, 0.12); color: #64748b; }
.product-detail__coming-note {
  color: var(--color-text-light);
  font-size: 0.92rem;
  margin-bottom: 1.5rem;
}
.product-detail__placeholder {
  aspect-ratio: 3/2;
  border-radius: var(--radius-lg);
  min-height: 220px;
}
.product-detail__placeholder .product-card__placeholder-icon {
  width: 80px;
  height: 80px;
}
.product-detail--coming-soon .product-detail__grid {
  margin-bottom: 0;
}
.product-detail__short {
  color: var(--color-text-light);
  margin-bottom: 1.5rem;
  font-size: 0.95rem;
}
.product-detail__actions { display: flex; gap: 1rem; flex-wrap: wrap; }

.product-detail__content { border-top: 1px solid rgba(10, 22, 40, 0.08); padding-top: 2.5rem; }
.detail-section { margin-bottom: 2rem; }
.detail-section h2 {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  color: var(--color-primary);
  margin-bottom: 1rem;
}
.detail-section p { color: var(--color-text-light); line-height: 1.7; }
.detail-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
.detail-list li {
  padding: 0.5rem 0 0.5rem 1.5rem;
  position: relative;
  font-size: 0.92rem;
  color: var(--color-text-light);
}
.detail-list--includes li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-success);
  font-weight: 700;
}
.detail-list--excludes li::before {
  content: '✕';
  position: absolute;
  left: 0;
  color: #dc2626;
  font-weight: 700;
}

/* ===== Loan Calculator Tool ===== */
.product-detail--tool {
  padding-bottom: 4rem;
}
.product-detail__grid--tool {
  grid-template-columns: 1fr;
  margin-bottom: 1.5rem;
}
.product-detail__info--tool {
  max-width: 720px;
}
.product-detail__content--tool {
  border-top: 1px solid rgba(10, 22, 40, 0.08);
  padding-top: 2rem;
}

.loan-tool {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 2rem;
  margin-bottom: 2.5rem;
}
.loan-tool__heading {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}
.loan-tool__intro {
  color: var(--color-text-light);
  margin-bottom: 1.75rem;
  font-size: 0.95rem;
}
.loan-tool__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}
.loan-tool__fieldset {
  border: 1px solid rgba(10, 22, 40, 0.1);
  border-radius: var(--radius);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}
.loan-tool__fieldset legend {
  font-weight: 600;
  color: var(--color-primary);
  padding: 0 0.35rem;
}
.loan-tool__radios {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
  margin-top: 0.75rem;
}
.loan-tool__radio {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  font-size: 0.92rem;
}
.loan-tool__radio input {
  accent-color: var(--color-accent);
}
.loan-tool__hint {
  font-size: 0.85rem;
  color: var(--color-text-light);
  margin: 0.5rem 0 1rem;
}
.loan-tool__stages {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 1rem;
}
.loan-tool__stage-row {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 0.75rem;
  align-items: end;
}
.loan-tool__stage-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--color-text-light);
  margin-bottom: 0.35rem;
}
.loan-tool__stage-field input {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1px solid rgba(10, 22, 40, 0.15);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
}
.loan-tool__stage-field input:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}
.loan-tool__remain-label {
  display: flex;
  align-items: center;
  min-height: 42px;
  padding: 0.65rem 0.85rem;
  background: rgba(201, 162, 39, 0.08);
  border: 1px dashed rgba(201, 162, 39, 0.45);
  border-radius: var(--radius);
  color: var(--color-primary);
  font-weight: 600;
  font-size: 0.92rem;
}
.loan-tool__remove-stage {
  width: 36px;
  height: 36px;
  border: 1px solid rgba(10, 22, 40, 0.15);
  border-radius: var(--radius);
  background: var(--color-white);
  color: var(--color-text-light);
  font-size: 1.25rem;
  line-height: 1;
  cursor: pointer;
  transition: var(--transition);
}
.loan-tool__remove-stage:hover {
  border-color: #dc2626;
  color: #dc2626;
  background: rgba(220, 38, 38, 0.05);
}
.loan-tool__add-stage { margin-bottom: 1.25rem; }
.loan-tool__error {
  color: #dc2626;
  font-size: 0.9rem;
  margin-bottom: 1rem;
  padding: 0.75rem 1rem;
  background: rgba(220, 38, 38, 0.06);
  border-radius: var(--radius);
}
.loan-tool__warning {
  color: #c2410c;
  font-size: 0.92rem;
  margin-bottom: 1.25rem;
  padding: 1rem 1.15rem;
  background: rgba(234, 88, 12, 0.08);
  border-left: 3px solid #ea580c;
  border-radius: 0 var(--radius) var(--radius) 0;
  line-height: 1.6;
}
.loan-tool__method-note {
  font-size: 0.88rem;
  color: var(--color-text-light);
  line-height: 1.6;
  margin-bottom: 1rem;
  padding: 0.85rem 1rem;
  background: var(--color-bg);
  border-radius: var(--radius);
  border: 1px solid rgba(10, 22, 40, 0.06);
}
.loan-tool__dti-field {
  margin-top: 1rem;
}
.loan-tool__submit { margin-top: 0.25rem; }

.loan-tool__results {
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(10, 22, 40, 0.08);
}
.loan-tool__highlight {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  margin-bottom: 1.5rem;
  text-align: center;
}
.loan-tool__highlight-label {
  font-size: 0.9rem;
  opacity: 0.85;
  margin-bottom: 0.35rem;
}
.loan-tool__highlight-value {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--color-accent);
  margin-bottom: 0.5rem;
}
.loan-tool__highlight-note {
  font-size: 0.85rem;
  opacity: 0.8;
}
.loan-tool__summary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.75rem;
}
.loan-tool__summary-item {
  background: var(--color-bg);
  border-radius: var(--radius);
  padding: 1.25rem;
  border: 1px solid rgba(10, 22, 40, 0.06);
}
.loan-tool__summary-label {
  display: block;
  font-size: 0.85rem;
  color: var(--color-text-light);
  margin-bottom: 0.35rem;
}
.loan-tool__summary-value {
  font-size: 1.2rem;
  color: var(--color-primary);
}
.loan-tool__table-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--color-primary);
  margin-bottom: 1rem;
}
.loan-tool__table-scroll {
  overflow-x: auto;
  border: 1px solid rgba(10, 22, 40, 0.08);
  border-radius: var(--radius);
  max-height: 420px;
  overflow-y: auto;
}
.loan-tool__table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.loan-tool__table th,
.loan-tool__table td {
  padding: 0.75rem 1rem;
  text-align: right;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  white-space: nowrap;
}
.loan-tool__table th:first-child,
.loan-tool__table td:first-child {
  text-align: center;
}
.loan-tool__table thead {
  background: var(--color-primary);
  color: var(--color-white);
  position: sticky;
  top: 0;
  z-index: 1;
}
.loan-tool__table tbody tr:nth-child(even) {
  background: rgba(248, 249, 251, 0.8);
}
.loan-tool__row--promo {
  background: rgba(201, 162, 39, 0.12) !important;
}

/* ===== AI Tool ===== */
.ai-tool__loading {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-top: 1.25rem;
  padding: 1rem 1.25rem;
  background: rgba(201, 162, 39, 0.1);
  border-radius: var(--radius);
  color: var(--color-primary);
  font-weight: 500;
}
.ai-tool__spinner {
  width: 20px;
  height: 20px;
  border: 2px solid rgba(10, 22, 40, 0.15);
  border-top-color: var(--color-accent);
  border-radius: 50%;
  animation: ai-tool-spin 0.8s linear infinite;
  flex-shrink: 0;
}
@keyframes ai-tool-spin {
  to { transform: rotate(360deg); }
}
.ai-tool__output {
  margin-top: 1.5rem;
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--color-white);
}
.ai-tool__output-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  padding: 0.85rem 1.25rem;
  background: var(--color-primary);
  color: var(--color-white);
}
.ai-tool__output-title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
}
.ai-tool__output-body {
  padding: 1.25rem;
  white-space: pre-wrap;
  line-height: 1.7;
  font-size: 0.95rem;
  max-height: 480px;
  overflow-y: auto;
}
.loan-tool__expand {
  margin-top: 1rem;
}
.loan-tool__disclaimer {
  margin-top: 1.5rem;
  font-size: 0.82rem;
  color: var(--color-text-light);
  line-height: 1.6;
  padding: 1rem;
  background: rgba(201, 162, 39, 0.06);
  border-left: 3px solid var(--color-accent);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.loan-tool__table-scroll--compact {
  max-height: none;
}
.loan-tool__term-table tbody tr {
  cursor: pointer;
  transition: background 0.15s ease;
}
.loan-tool__term-table tbody tr:hover {
  background: rgba(201, 162, 39, 0.08);
}
.loan-tool__term-row--selected {
  background: rgba(201, 162, 39, 0.16) !important;
  font-weight: 600;
}
.loan-tool__term-table td {
  text-align: left;
}
.loan-tool__term-table th {
  text-align: left;
}

.product-not-found {
  padding: calc(var(--header-height) + 4rem) 0;
  text-align: center;
}
.product-not-found h1 { margin-bottom: 1rem; }
.product-not-found p { color: var(--color-text-light); margin-bottom: 2rem; }

/* ===== Modal ===== */
.modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s, visibility 0.3s;
}
.modal--open { opacity: 1; visibility: visible; }
.modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 22, 40, 0.6);
  backdrop-filter: blur(4px);
}
.modal__dialog {
  position: relative;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  max-width: 440px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  transform: translateY(20px);
  transition: transform 0.3s;
}
.modal--open .modal__dialog { transform: translateY(0); }
.modal__close {
  position: absolute;
  top: 1rem; right: 1rem;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--color-text-light);
  line-height: 1;
}
.modal__title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  margin-bottom: 0.5rem;
}
.modal__product-name { font-weight: 600; margin-bottom: 0.25rem; }
.modal__product-price {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 1.5rem;
}

.payment-info { margin-bottom: 1.25rem; }
.payment-info__heading {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--color-text-light);
  margin-bottom: 0.75rem;
}
.payment-info__row {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.06);
  font-size: 0.92rem;
}
.payment-info__row dt { color: var(--color-text-light); }
.payment-info__row dd { font-weight: 600; text-align: right; }

.payment-qr {
  text-align: center;
  margin: 1.25rem 0;
  padding: 1rem;
  background: var(--color-bg);
  border-radius: var(--radius);
}
.payment-qr img { margin: 0 auto; }

.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
}
.form-group input {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1px solid rgba(10, 22, 40, 0.15);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
}
.form-group input:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1px solid rgba(10, 22, 40, 0.15);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--color-white);
}
.form-group textarea {
  resize: vertical;
  min-height: 110px;
  line-height: 1.5;
}
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}
.form-required { color: #dc2626; }
.form-hint { font-size: 0.78rem; color: var(--color-text-light); margin-top: 0.3rem; }

.product-card__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  justify-content: flex-end;
}

/* ===== Order Form Page ===== */
.order-page {
  padding: calc(var(--header-height) + 2rem) 0 4rem;
  min-height: 60vh;
}
.order-page__inner { max-width: 720px; }
.order-page__header {
  margin-bottom: 2rem;
  text-align: center;
}
.order-page__title {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}
.order-page__desc {
  color: var(--color-text-light);
  font-size: 0.95rem;
  line-height: 1.6;
}
.order-form-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 2rem;
  border-top: 4px solid var(--color-accent);
}
.order-form__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 1.25rem;
}
.order-form__full { grid-column: 1 / -1; }
.order-form__submit { margin-top: 1.5rem; }
.order-form__honeypot { display: none; }

.order-success {
  text-align: center;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 3rem 2rem;
  border-top: 4px solid var(--color-accent);
}
.order-success__icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.25rem;
  border-radius: 50%;
  background: rgba(22, 163, 74, 0.12);
  color: var(--color-success);
  font-size: 2rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}
.order-success__title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-primary);
  margin-bottom: 1rem;
}
.order-success__message {
  color: var(--color-text-light);
  font-size: 1rem;
  line-height: 1.6;
  max-width: 480px;
  margin: 0 auto 2rem;
}
.order-success__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

.netlify-form-hidden { display: none !important; }

.transfer-content { margin-bottom: 1rem; }
.transfer-content label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
}
.transfer-content__box {
  display: flex;
  gap: 0.5rem;
  align-items: center;
}
.transfer-content__box code {
  flex: 1;
  padding: 0.6rem 0.85rem;
  background: var(--color-bg);
  border-radius: 8px;
  font-size: 0.85rem;
  word-break: break-all;
}

.payment-note {
  font-size: 0.85rem;
  color: var(--color-text-light);
  background: rgba(201, 162, 39, 0.08);
  padding: 0.85rem;
  border-radius: 8px;
  margin-bottom: 1.25rem;
  line-height: 1.5;
}

/* ===== Zalo FAB ===== */
.zalo-fab {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 1500;
  width: var(--zalo-fab-size);
  height: var(--zalo-fab-size);
  border-radius: 50%;
  box-shadow: 0 4px 16px rgba(0, 104, 255, 0.4);
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.zalo-fab:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 24px rgba(0, 104, 255, 0.5);
}
.zalo-fab svg { width: 100%; height: 100%; }

/* ===== Home Sections (Why / Process / FAQ) ===== */
.home-section {
  padding: 4rem 0;
}
.home-section__header {
  text-align: center;
  margin-bottom: 2.5rem;
}
.home-section__title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}
.home-section__desc {
  color: var(--color-text-light);
  font-size: 0.95rem;
  max-width: 560px;
  margin: 0 auto;
}

.why-section {
  background: var(--color-white);
  border-top: 1px solid rgba(10, 22, 40, 0.06);
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.why-card {
  background: var(--color-bg);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  text-align: center;
  border: 1px solid rgba(10, 22, 40, 0.06);
  transition: var(--transition);
}
.why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(201, 162, 39, 0.35);
}
.why-card__icon {
  width: 52px;
  height: 52px;
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(201, 162, 39, 0.12);
  color: var(--color-accent-hover);
}
.why-card__icon svg {
  width: 26px;
  height: 26px;
}
.why-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
  line-height: 1.35;
}
.why-card__text {
  font-size: 0.88rem;
  color: var(--color-text-light);
  line-height: 1.55;
}

.process-section {
  background: var(--color-bg-alt);
}
.process-steps {
  list-style: none;
  display: grid;
  gap: 1.25rem;
  max-width: 760px;
  margin: 0 auto;
}
.process-step {
  display: grid;
  grid-template-columns: auto auto 1fr;
  gap: 1rem 1.25rem;
  align-items: start;
  background: var(--color-white);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border-left: 4px solid var(--color-accent);
}
.process-step__number {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-accent);
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.process-step__icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(201, 162, 39, 0.1);
  color: var(--color-accent-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.process-step__icon svg {
  width: 22px;
  height: 22px;
}
.process-step__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.35rem;
}
.process-step__text {
  font-size: 0.9rem;
  color: var(--color-text-light);
  line-height: 1.55;
}

.faq-section {
  background: var(--color-white);
}
.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  border: 1px solid rgba(10, 22, 40, 0.1);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--color-bg);
  transition: border-color var(--transition);
}
.faq-item--open {
  border-color: rgba(201, 162, 39, 0.45);
  box-shadow: var(--shadow-sm);
}
.faq-item__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.25rem;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-primary);
  text-align: left;
  cursor: pointer;
  transition: background var(--transition);
}
.faq-item__question:hover {
  background: rgba(201, 162, 39, 0.06);
}
.faq-item__chevron {
  width: 10px;
  height: 10px;
  border-right: 2px solid var(--color-accent);
  border-bottom: 2px solid var(--color-accent);
  transform: rotate(45deg);
  transition: transform var(--transition);
  flex-shrink: 0;
  margin-top: -4px;
}
.faq-item--open .faq-item__chevron {
  transform: rotate(-135deg);
  margin-top: 4px;
}
.faq-item__answer {
  padding: 0 1.25rem 1rem;
}
.faq-item__answer p {
  font-size: 0.9rem;
  color: var(--color-text-light);
  line-height: 1.6;
  padding-top: 0.25rem;
  border-top: 1px solid rgba(10, 22, 40, 0.06);
}

/* ===== Contact Section ===== */
.contact-section {
  padding: 4rem 0;
  background: var(--color-white);
  border-top: 1px solid rgba(10, 22, 40, 0.06);
}
.contact-section__inner {
  text-align: center;
  max-width: 520px;
  margin: 0 auto;
}
.contact-section__title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}
.contact-section__desc {
  color: var(--color-text-light);
  margin-bottom: 1rem;
  font-size: 0.95rem;
}
.contact-section__phone {
  color: var(--color-text);
  margin-bottom: 1.25rem;
  font-size: 0.95rem;
}
.contact-section__phone-link {
  color: var(--color-primary);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.contact-section__phone-link:hover {
  color: var(--color-accent-hover);
}
.contact-section__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: center;
  align-items: center;
}

/* ===== Footer ===== */
.footer {
  background: var(--color-primary);
  color: rgba(255, 255, 255, 0.8);
  padding: 2.5rem 0 1.5rem;
}
.footer__inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 2rem;
  margin-bottom: 2rem;
}
.footer__brand {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  color: var(--color-white);
  margin-bottom: 0.5rem;
}
.footer__desc { font-size: 0.88rem; opacity: 0.7; max-width: 320px; }
.footer__links h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.75rem;
  color: var(--color-accent);
}
.footer__links li { margin-bottom: 0.4rem; }
.footer__links a { font-size: 0.88rem; opacity: 0.75; transition: var(--transition); }
.footer__links a:hover { opacity: 1; color: var(--color-accent); }
.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.25rem;
  text-align: center;
  font-size: 0.82rem;
  opacity: 0.6;
}

/* ===== Animations ===== */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ===== Responsive ===== */
@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav {
    position: fixed;
    top: var(--header-height);
    left: 0; width: 100%;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    padding: 1.5rem;
    transform: translateY(-120%);
    opacity: 0;
    transition: var(--transition);
    border-bottom: 1px solid rgba(10, 22, 40, 0.08);
  }
  .nav--open { transform: translateY(0); opacity: 1; }
  .nav__list { flex-direction: column; gap: 1.25rem; align-items: center; }

  .product-detail__grid,
  .detail-columns,
  .loan-tool__grid,
  .loan-tool__summary { grid-template-columns: 1fr; gap: 1.5rem; }

  .loan-tool__stage-row {
    grid-template-columns: 1fr;
  }
  .loan-tool__stage-actions {
    display: flex;
    justify-content: flex-end;
  }

  .product-grid { grid-template-columns: 1fr; }

  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .process-step {
    grid-template-columns: auto 1fr;
    grid-template-rows: auto auto;
  }
  .process-step__icon { display: none; }

  .hero__stats { gap: 1.5rem; }

  .zalo-fab {
    bottom: 1rem;
    right: 1rem;
    width: 50px;
    height: 50px;
  }

  .footer__inner { flex-direction: column; }
}

@media (max-width: 480px) {
  .category-tab { padding: 0.45rem 1rem; font-size: 0.82rem; }
  .product-card__footer { flex-direction: column; align-items: stretch; }
  .product-card__footer .btn { text-align: center; }
  .product-card__actions { flex-direction: column; }
  .product-card__actions .btn { width: 100%; }
  .order-form__grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
}