:root {
    --navy: #0B3C8C;
    --navy-deep: #072A66;
    --navy-darker: #041A40;
    --sky: #5EC8FF;
    --ban: #E8432E;
    --ban-deep: #B5261A;
    --sun: #FFC93C;
    --sun-light: #FFF4CF;
}

::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy-darker); }
::-webkit-scrollbar-thumb { background: var(--sun); border-radius: 3px; }

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: 'Roboto', sans-serif;
    -webkit-font-smoothing: antialiased;
    background: var(--navy);
    overflow-x: hidden;
}
p { margin: 0; }

/* ── TOPBAR ── */
.topbar {
    position: sticky;
    top: 0;
    z-index: 900;
    height: 50px;
    background: #fff;
    border-bottom: 1px solid #e8eaed;
    box-shadow: 0 2px 10px rgba(0,0,0,0.06);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px;
}
.topbar::after {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy-darker), var(--navy), var(--sun));
}
.topbar-logo {
    width: 182px;
    height: 22px;
    background: url(https://cdn.baohatinh.vn/assets/web/styles/img/logo.svg) no-repeat 0 0;
    text-indent: -999em;
    display: block;
}
.topbar-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: #333;
    text-decoration: none;
}
.topbar-label:hover { color: var(--navy); }
.share-btn {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 12px;
    background: #1877f2;
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    border-radius: 4px;
    border: none;
    cursor: pointer;
    transition: opacity .2s;
}
.share-btn:hover { opacity: .85; }
@media (max-width: 480px) {
    .topbar-label { display: none; }
}

/* ── HERO ── */
.hero {
    background: radial-gradient(ellipse at 50% -10%, #1A5BC4 0%, var(--navy) 50%, var(--navy-darker) 100%);
    position: relative;
    overflow: hidden;
    padding: 56px 0 50px;
    text-align: center;
    border-bottom: 3px solid rgba(255,201,60,.4);
}
.hero-bg-grid {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
    background-size: 40px 40px;
}
.hero-glow-1 {
    position: absolute;
    top: -80px; left: -80px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(94,200,255,.28) 0%, transparent 70%);
}
.hero-glow-2 {
    position: absolute;
    bottom: -60px; right: -60px;
    width: 360px; height: 360px;
    background: radial-gradient(circle, rgba(255,201,60,.2) 0%, transparent 70%);
}
.hero-emblem {
    position: relative;
    z-index: 1;
    width: 120px;
    height: 120px;
    margin: 0 auto 22px;
}
.hero-emblem .ring {
    position: absolute;
    inset: 0;
    border-radius: 50%;
    border: 9px solid var(--ban);
    box-shadow: 0 8px 28px rgba(0,0,0,.4), inset 0 0 0 4px rgba(255,255,255,.9);
    background: #fff;
}
.hero-emblem .ring::after {
    content: '';
    position: absolute;
    top: 50%; left: -4px; right: -4px;
    height: 9px;
    background: var(--ban);
    transform: translateY(-50%) rotate(-45deg);
    z-index: 2;
}
.hero-emblem .icons {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 42px;
    color: var(--navy);
    z-index: 1;
}
.hero-chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 18px;
    border-radius: 999px;
    background: rgba(0,0,0,.2);
    border: 1px solid rgba(255,201,60,.5);
    color: var(--sun-light);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 22px;
    position: relative;
    z-index: 1;
}
.hero-title {
    font-size: clamp(28px, 5.2vw, 52px);
    font-weight: 900;
    color: #fff;
    line-height: 1.2;
    text-transform: uppercase;
    max-width: 860px;
    margin: 0 auto 20px;
    text-shadow: 0 2px 30px rgba(0,0,0,.35);
    position: relative;
    z-index: 1;
}
.hero-title span { color: var(--sun); }
.hero-title em {
    font-style: normal;
    color: #fff;
    background: var(--ban);
    padding: 0 12px;
    border-radius: 8px;
    box-shadow: 0 4px 0 var(--ban-deep);
}
.hero-sub {
    font-size: clamp(14px, 2vw, 17px);
    color: rgba(255,255,255,.88);
    line-height: 1.75;
    max-width: 680px;
    margin: 0 auto 32px;
    padding: 0 4px;
    position: relative;
    z-index: 1;
}
.hero-meta {
    display: inline-flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
    margin-bottom: 36px;
    position: relative;
    z-index: 1;
}
.hero-meta-item {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 9px 16px;
    background: rgba(0,0,0,.2);
    border: 1px solid rgba(255,201,60,.3);
    border-radius: 10px;
    font-size: 12px;
    color: #fff;
    font-weight: 600;
}
.hero-meta-item i { color: var(--sun); }

/* ── NAV PILLS ── */
.nav-pill {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 18px;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    transition: all .25s;
    border: 1.5px solid transparent;
    white-space: nowrap;
    position: relative;
    z-index: 1;
}
.nav-pill-active {
    background: var(--sun);
    color: var(--navy-darker);
    box-shadow: 0 4px 14px rgba(0,0,0,.3);
}
.nav-pill-outline {
    background: rgba(0,0,0,.15);
    color: var(--sun-light);
    border-color: rgba(255,201,60,.35);
}
.nav-pill-outline:hover {
    background: rgba(0,0,0,.28);
    color: #fff;
    border-color: var(--sun);
}

/* ── SECTIONS ── */
.section-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 64px 20px;
}
.sec-heading {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
}
.sec-num {
    flex-shrink: 0;
    font-size: 11px;
    font-weight: 900;
    color: var(--navy-darker);
    background: var(--sun);
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(0,0,0,.25);
}
.sec-title {
    font-size: clamp(20px, 3vw, 28px);
    font-weight: 900;
    color: #fff;
    line-height: 1.2;
    text-transform: uppercase;
    margin: 0;
}
.sec-desc {
    font-size: 16px;
    color: var(--sun);
    line-height: 1.7;
    margin: 0 0 32px 50px;
    font-weight: 700;
}
.quote-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px;
    background: rgba(0,0,0,.2);
    border: 1.5px solid rgba(255,201,60,.5);
    border-radius: 10px;
    font-size: 12px;
    font-weight: 800;
    color: var(--sun-light);
    margin-bottom: 24px;
}
.quote-badge i { color: var(--sun); }
.glass-card {
    padding: 28px 32px;
    background: rgba(0,0,0,.22);
    border: 1px solid rgba(255,201,60,.3);
    border-radius: 18px;
    backdrop-filter: blur(6px);
    margin-bottom: 20px;
}
.glass-card p {
    font-size: 16px;
    color: rgba(255,255,255,.92);
    line-height: 1.85;
    text-align: justify;
}
.glass-card p + p { margin-top: 14px; }
.glass-card p strong { color: var(--sun); }

/* ── STAT STRIP ── */
.stat-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
    margin-top: 8px;
}
.stat {
    padding: 20px;
    border-radius: 16px;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(94,200,255,.3);
    display: flex;
    gap: 14px;
    align-items: center;
}
.stat i {
    flex-shrink: 0;
    width: 46px;
    height: 46px;
    border-radius: 12px;
    background: rgba(94,200,255,.15);
    color: var(--sky);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
}
.stat b {
    display: block;
    color: #fff;
    font-size: 20px;
    font-weight: 900;
    line-height: 1.2;
}
.stat span {
    color: rgba(255,255,255,.7);
    font-size: 13px;
    line-height: 1.4;
}

/* ── FILTER CHIPS ── */
.chip-bar {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 22px;
}
.chip {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 15px;
    border-radius: 999px;
    border: 1.5px solid rgba(255,201,60,.35);
    background: rgba(0,0,0,.18);
    color: var(--sun-light);
    font-family: inherit;
    font-size: 13px;
    font-weight: 700;
    cursor: pointer;
    transition: all .2s;
}
.chip:hover { border-color: var(--sun); color: #fff; }
.chip.is-active {
    background: var(--sun);
    border-color: var(--sun);
    color: var(--navy-darker);
}
.chip .cnt {
    font-size: 11px;
    padding: 1px 7px;
    border-radius: 999px;
    background: rgba(0,0,0,.2);
}
.chip.is-active .cnt { background: rgba(4,26,64,.15); }

/* ── BAN GRID ── */
.ban-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}
.ban-card {
    position: relative;
    background: #fff;
    border-radius: 18px;
    padding: 22px 22px 18px;
    box-shadow: 0 10px 30px rgba(0,0,0,.25);
    display: flex;
    flex-direction: column;
    overflow: hidden;
    cursor: pointer;
    transition: transform .25s ease, box-shadow .25s ease, opacity .25s ease;
    border-top: 6px solid var(--ban);
}
.ban-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 38px rgba(0,0,0,.32);
}
.ban-card:focus-visible { outline: 3px solid var(--sun); outline-offset: 3px; }
.ban-card.is-dim { opacity: .25; transform: scale(.98); pointer-events: none; }
.ban-num {
    position: absolute;
    top: -6px;
    right: 14px;
    font-size: 96px;
    font-weight: 900;
    color: rgba(11,60,140,.07);
    line-height: 1;
    pointer-events: none;
}
.ban-top {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 14px;
}
.ban-icon {
    position: relative;
    flex-shrink: 0;
    width: 58px;
    height: 58px;
    border-radius: 50%;
    border: 4px solid var(--ban);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    font-size: 22px;
    background: #fff;
}
.ban-icon::after {
    content: '';
    position: absolute;
    top: 50%; left: 0; right: 0;
    height: 4px;
    background: var(--ban);
    transform: translateY(-50%) rotate(-45deg);
}
.ban-label {
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.ban-k {
    font-size: 11px;
    font-weight: 900;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--ban);
}
.ban-tag {
    display: inline-block;
    width: fit-content;
    font-size: 11px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 999px;
    background: #EAF2FF;
    color: var(--navy);
}
.ban-title {
    font-size: 19px;
    font-weight: 900;
    color: var(--navy-darker);
    line-height: 1.35;
    margin: 0 0 10px;
}
.ban-keys {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin-bottom: 14px;
}
.ban-keys span {
    font-size: 12.5px;
    font-weight: 600;
    color: #8A1C12;
    background: #FFEDEA;
    border: 1px solid #FFD2CB;
    padding: 4px 9px;
    border-radius: 8px;
    line-height: 1.35;
}
.ban-body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows .35s ease;
}
.ban-card.is-open .ban-body { grid-template-rows: 1fr; }
.ban-body-inner { overflow: hidden; }
.ban-body-inner p {
    font-size: 15px;
    line-height: 1.7;
    color: #333;
    text-align: justify;
    padding: 12px 14px;
    background: #F5F8FD;
    border-left: 3px solid var(--navy);
    border-radius: 0 10px 10px 0;
    margin-bottom: 12px;
}
.ban-toggle {
    margin-top: auto;
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
}
.ban-toggle i { transition: transform .3s; font-size: 11px; }
.ban-card.is-open .ban-toggle i { transform: rotate(180deg); }

/* ── HIGHLIGHT: MONEY ── */
.compare {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
}
.compare-col {
    border-radius: 18px;
    padding: 24px 26px;
}
.compare-col h3 {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 16px;
    font-size: 17px;
    font-weight: 900;
    text-transform: uppercase;
}
.compare-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
}
.compare-col li {
    display: flex;
    gap: 10px;
    font-size: 15px;
    line-height: 1.6;
    padding: 9px 0;
}
.compare-col li + li { border-top: 1px dashed rgba(0,0,0,.12); }
.compare-col li i { margin-top: 4px; flex-shrink: 0; }
.col-no { background: #FFF1EE; color: #4A120C; }
.col-no h3, .col-no li i { color: var(--ban); }
.col-yes { background: #EAF6FF; color: #0C2A55; }
.col-yes h3, .col-yes li i { color: #1574C9; }
.compare-note {
    margin-top: 14px;
    font-size: 13px;
    color: rgba(255,255,255,.7);
    font-style: italic;
}

/* ── TIMELINE ── */
.tl {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
}
.tl-item {
    padding: 22px;
    border-radius: 16px;
    background: rgba(0,0,0,.22);
    border: 1px solid rgba(255,201,60,.3);
}
.tl-item .d {
    font-size: 12px;
    font-weight: 900;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--sun);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.tl-item p {
    font-size: 15px;
    line-height: 1.7;
    color: rgba(255,255,255,.9);
}

/* ── DIVIDER / FOOTER ── */
.divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,201,60,.35) 30%, rgba(255,201,60,.35) 70%, transparent);
}
.footer {
    background: var(--navy-darker);
    color: rgba(255,255,255,.6);
    padding: 40px 20px 60px;
    position: relative;
}
.footer::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy-darker), var(--navy), var(--sun));
}
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-src {
    text-align: center;
    margin-bottom: 24px;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(255,201,60,.2);
}
.footer-src span:first-child { font-size: 12px; color: rgba(255,255,255,.5); font-weight: 500; }
.footer-src span:last-child { font-size: 14px; font-weight: 800; color: var(--sun-light); }
.footer-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    font-size: 12px;
}
.to-top {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 18px;
    border-radius: 10px;
    border: 1px solid rgba(255,201,60,.3);
    background: transparent;
    color: rgba(255,255,255,.6);
    font-size: 12px;
    font-weight: 600;
    font-family: inherit;
    cursor: pointer;
    transition: all .2s;
}
.to-top:hover { color: #fff; border-color: var(--sun); }
.to-top i { color: var(--sun); }

/* ── ANIMATION ── */
@keyframes fade-up {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fade-up .65s ease both; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; }
.delay-4 { animation-delay: .4s; }
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-in { opacity: 1; transform: none; }

@media (max-width: 960px) {
    .ban-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
    .stat-strip, .tl, .compare { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
    .ban-grid { grid-template-columns: 1fr; }
    .section-inner { padding: 44px 16px; }
    .sec-desc { margin-left: 0; }
    .glass-card { padding: 22px 18px; }
    .compare-col { padding: 20px 18px; }
}