/* ==========================================================================
   TIMKHOANVAY.COM - MAIN DESIGN SYSTEM & STYLES
   Upgraded Typography: Plus Jakarta Sans / Inter - Large, Clean, Modern, Ultra-Legible
   ========================================================================== */

:root {
  /* Brand Colors */
  --primary: #0056d2;
  --primary-hover: #0041a3;
  --primary-light: #eff6ff;
  --primary-soft: #dbeafe;
  --primary-border: #bfdbfe;
  
  --secondary: #0f172a;
  --secondary-light: #1e293b;
  
  --success: #10b981;
  --success-bg: #ecfdf5;
  --warning: #f59e0b;
  --danger: #ef4444;
  
  /* Neutral Colors */
  --text-main: #0f172a;
  --text-muted: #334155;
  --text-light: #64748b;
  --text-white: #ffffff;
  
  --bg-page: #f8fafc;
  --bg-card: #ffffff;
  --bg-alt: #f1f5f9;
  --border-color: #e2e8f0;
  --border-subtle: #f1f5f9;

  /* Elevation Shadows */
  --shadow-sm: 0 1px 3px 0 rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 8px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 12px 20px -3px rgba(0, 0, 0, 0.09), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.09), 0 8px 10px -6px rgba(0, 0, 0, 0.04);
  --shadow-glow: 0 8px 24px -4px rgba(0, 86, 210, 0.28);

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 26px;
  --radius-full: 9999px;

  /* Layout */
  --container-max: 1240px;
  --container-padding: 1.5rem;
  --header-height: 76px;
}

html, body {
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
  position: relative;
}

/* Base Typography - Refined, Clean & Crisp */
body {
  font-family: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-main);
  background-color: var(--bg-page);
  line-height: 1.6;
  font-size: 15.5px;
  letter-spacing: -0.01em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--text-main);
  font-weight: 800;
  line-height: 1.3;
  letter-spacing: -0.02em;
}

h1 { font-size: 2.35rem; }
h2 { font-size: 1.85rem; }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.12rem; }

/* Container */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--container-padding);
  padding-right: var(--container-padding);
  box-sizing: border-box;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 700;
  font-size: 0.96rem;
  padding: 0.72rem 1.45rem;
  border-radius: var(--radius-md);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none !important;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--primary);
  color: var(--text-white);
  box-shadow: 0 4px 14px rgba(0, 86, 210, 0.28);
}
.btn-primary:hover {
  background-color: var(--primary-hover);
  color: var(--text-white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 86, 210, 0.38);
}

.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background-color: var(--primary-light);
  color: var(--primary-hover);
}

.btn-secondary {
  background-color: #f1f5f9;
  color: var(--text-main);
}
.btn-secondary:hover {
  background-color: #e2e8f0;
}

.btn-sm {
  padding: 0.55rem 1.15rem;
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1.5px solid var(--border-color);
  height: var(--header-height);
  transition: all 0.2s ease;
  width: 100%;
  max-width: 100%;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.site-logo {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.6px;
  text-decoration: none !important;
}
.site-logo span {
  color: var(--secondary);
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.site-nav ul {
  display: flex;
  list-style: none;
  align-items: center;
  gap: 1.75rem;
}

.site-nav a {
  font-weight: 600;
  font-size: 1.02rem;
  color: #475569;
  text-decoration: none !important;
  padding: 0.5rem 0.25rem;
  transition: color 0.2s ease;
}

.site-nav a:hover,
.site-nav li.current-menu-item > a,
.site-nav a.active {
  color: var(--primary) !important;
  font-weight: 800;
  text-decoration: none !important;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1.15rem;
}

.btn-search-toggle {
  background: none;
  border: none;
  color: var(--text-muted);
  cursor: pointer;
  padding: 0.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-full);
  transition: all 0.2s;
}
.btn-search-toggle:hover {
  color: var(--primary);
  background-color: var(--bg-alt);
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  padding: 0.5rem;
  color: var(--text-main);
  cursor: pointer;
}

/* Search Dropdown / Bar */
.search-bar-wrap {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: #ffffff;
  border-bottom: 1.5px solid var(--border-color);
  box-shadow: var(--shadow-md);
  padding: 1.25rem 0;
  animation: slideDown 0.2s ease-out;
}
.search-bar-wrap.open {
  display: block;
}
.search-form-inner {
  display: flex;
  gap: 0.75rem;
}
.search-input {
  flex: 1;
  padding: 0.85rem 1.4rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  outline: none;
  font-size: 1.05rem;
}
.search-input:focus {
  border-color: var(--primary);
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero-section {
  position: relative;
  padding: 4rem 0 4.5rem;
  background: linear-gradient(180deg, #eef6ff 0%, #f8fafc 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.18fr 0.88fr 1.18fr;
  align-items: center;
  gap: 2.25rem;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.hero-title {
  font-size: 2.45rem;
  font-weight: 800;
  line-height: 1.25;
  color: #081938;
  letter-spacing: -0.025em;
}

.hero-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.62;
}

.hero-badges {
  display: flex;
  flex-direction: column;
  gap: 0.95rem;
  margin-top: 0.35rem;
}

.hero-badge-item {
  display: flex;
  align-items: center;
  gap: 0.95rem;
  background: #ffffff;
  padding: 0.75rem 1.15rem;
  border-radius: var(--radius-md);
  border: 1.5px solid rgba(0, 86, 210, 0.1);
  box-shadow: var(--shadow-sm);
  width: fit-content;
  max-width: 100%;
}

.hero-badge-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-badge-text strong {
  display: block;
  font-size: 1.02rem;
  color: var(--text-main);
}
.hero-badge-text span {
  font-size: 0.9rem;
  color: var(--text-light);
}

.hero-social-proof {
  display: flex;
  align-items: center;
  gap: 0.95rem;
  margin-top: 0.5rem;
}

.avatar-stack {
  display: flex;
}
.avatar-stack img,
.avatar-stack .avatar-pill {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2.5px solid #ffffff;
  margin-left: -10px;
  background: #e2e8f0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.82rem;
  color: var(--primary);
}
.avatar-stack .avatar-pill:first-child {
  margin-left: 0;
}

.social-proof-text {
  font-size: 0.98rem;
  color: var(--text-muted);
}
.social-proof-text strong {
  color: var(--text-main);
}

/* Hero Center Mockup */
.hero-visual {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.phone-mockup-card {
  background: linear-gradient(135deg, #0056d2 0%, #003b95 100%);
  border-radius: 32px;
  padding: 18px;
  box-shadow: var(--shadow-xl);
  color: #fff;
  width: 275px;
  border: 7px solid #ffffff;
}
.mockup-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  margin-bottom: 1.1rem;
  opacity: 0.92;
}
.mockup-balance-box {
  background: rgba(255, 255, 255, 0.16);
  padding: 1.15rem;
  border-radius: 18px;
  margin-bottom: 1.1rem;
}
.mockup-balance-label { font-size: 0.82rem; opacity: 0.9; }
.mockup-balance-val { font-size: 1.55rem; font-weight: 800; }
.mockup-status {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: #10b981;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 12px;
  margin-top: 6px;
}

/* Hero Quick Calculator Widget (Right Box) */
.hero-calc-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: 0 14px 36px -4px rgba(0, 86, 210, 0.14);
  border: 1.5px solid var(--border-color);
  display: flex;
  flex-direction: column;
  gap: 1.35rem;
}

.hero-calc-card h3 {
  font-size: 1.48rem;
  color: #081938;
}

.calc-group {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.calc-label-row label {
  font-weight: 700;
  color: var(--text-main);
  font-size: 1rem;
}
.calc-value-display {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
}

/* Custom Range Slider */
.calc-slider-wrap {
  position: relative;
  padding: 0.6rem 0;
}
.calc-range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 5px;
  background: #e2e8f0;
  outline: none;
  cursor: pointer;
}
.calc-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  border: 3.5px solid #ffffff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: transform 0.15s ease;
}
.calc-range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}
.calc-range-slider::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  border: 3.5px solid #ffffff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
  cursor: pointer;
}
.calc-range-scale {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
  color: var(--text-light);
  font-weight: 500;
  margin-top: 0.35rem;
}

.calc-select {
  width: 100%;
  padding: 0.85rem 1.15rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  font-size: 1.05rem;
  background-color: #ffffff;
  color: var(--text-main);
  font-weight: 600;
  cursor: pointer;
  outline: none;
  transition: border-color 0.2s;
}
.calc-select:focus {
  border-color: var(--primary);
}

.calc-quick-result {
  background: var(--primary-light);
  padding: 0.95rem 1.15rem;
  border-radius: var(--radius-md);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.96rem;
}
.calc-quick-result span {
  color: var(--text-muted);
  font-weight: 500;
}
.calc-quick-result strong {
  color: var(--primary);
  font-size: 1.18rem;
}

.calc-footnote {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  color: var(--text-light);
  text-align: center;
}

/* ==========================================================================
   SECTION: VÌ SAO NÊN CHỌN TIMKHOANVAY.COM
   ========================================================================== */
.section {
  padding: 4.5rem 0;
}
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 2.75rem;
}
.section-title {
  font-size: 2.15rem;
  font-weight: 800;
  color: #081938;
  margin-bottom: 0.6rem;
  letter-spacing: -0.025em;
}
.section-title span {
  color: var(--primary);
}
.section-subtitle {
  color: var(--text-muted);
  font-size: 1.08rem;
  line-height: 1.6;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.feature-card {
  background: var(--bg-card);
  padding: 2rem 1.4rem;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.feature-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-border);
}

.feature-icon-circle {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.55rem;
  transition: all 0.22s ease;
}
.feature-card:hover .feature-icon-circle {
  transform: scale(1.1);
  background: var(--primary);
  color: #fff;
}

.feature-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 0.55rem;
}
.feature-desc {
  font-size: 0.98rem;
  color: var(--text-muted);
  line-height: 1.58;
}

/* ==========================================================================
   SECTION: KHÁM PHÁ CÁC LOẠI KHOẢN VAY PHỔ BIẾN
   ========================================================================== */
.categories-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1.35rem;
}

.category-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.1rem 1.4rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  text-decoration: none;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: var(--shadow-sm);
}
.category-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}

.cat-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: #f0f7ff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.1rem;
  color: var(--primary);
  font-size: 1.75rem;
  transition: transform 0.2s ease;
}
.category-card:hover .cat-icon-wrap {
  transform: scale(1.1);
}

.cat-title {
  font-size: 1.12rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 0.4rem;
}
.cat-desc {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.5;
  margin-bottom: 1.1rem;
  flex-grow: 1;
}

.cat-link-text {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.category-card:hover .cat-link-text {
  gap: 0.55rem;
}

/* ==========================================================================
   SECTION: BẢNG GỢI Ý KHOẢN VAY TỐT NHẤT (LOAN COMPARISON TABLE)
   ========================================================================== */
.table-section {
  background: #ffffff;
}

.table-header-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.75rem;
}
.table-title {
  font-size: 1.75rem;
  font-weight: 800;
  color: #081938;
}
.table-view-all {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.table-view-all:hover {
  text-decoration: underline;
}

/* ==========================================================================
   LOAN CARDS LIST (MODERN CARD COMPARISON - RESPONSIVE WITHOUT HORIZONTAL SCROLL)
   ========================================================================== */
.loan-cards-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  width: 100%;
}

.loan-card-item {
  background: #ffffff;
  border: 1.5px solid #e2e8f0;
  border-radius: 22px;
  padding: 1.75rem 2.25rem 1.6rem;
  position: relative;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.04);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.loan-card-item:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(0, 86, 210, 0.08);
  border-color: #cbd5e1;
}

.loan-card-item.is-featured {
  border: 2px solid #f59e0b;
}

/* Top Badge Pill */
.loan-card-top-tag {
  position: absolute;
  top: -13px;
  left: 28px;
  background: #f59e0b;
  color: #0f172a;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 0.32rem 0.95rem;
  border-radius: 20px;
  letter-spacing: 0.02em;
  box-shadow: 0 2px 8px rgba(245, 158, 11, 0.35);
}

/* Card Header */
.loan-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.loan-brand-info {
  display: flex;
  align-items: center;
  gap: 1.15rem;
}

.loan-brand-logo-box {
  width: 58px;
  height: 58px;
  border-radius: 14px;
  border: 1.5px solid #e2e8f0;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background: #f8fafc;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(0,0,0,0.03);
}

.loan-brand-logo-box img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.loan-brand-initials {
  font-weight: 900;
  font-size: 1.25rem;
  color: var(--primary);
}

.loan-brand-text {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.loan-brand-title-row {
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.loan-brand-name {
  font-size: 1.28rem;
  font-weight: 800;
  color: #081938;
  margin: 0;
  letter-spacing: -0.01em;
}

.loan-brand-rating {
  display: inline-flex;
  align-items: center;
  font-size: 0.92rem;
  font-weight: 800;
  color: #475569;
}

.loan-brand-subcheck {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.88rem;
  color: #059669;
  font-weight: 600;
}

/* CTA Apply Button - Brand Blue & Click-ready */
.btn-loan-apply {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  background: var(--primary);
  color: #ffffff;
  font-weight: 800;
  font-size: 0.98rem;
  padding: 0.78rem 1.65rem;
  border-radius: 30px;
  border: none;
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 4px 14px rgba(0, 86, 210, 0.28);
  text-decoration: none !important;
  white-space: nowrap;
}

.btn-loan-apply:hover {
  background: var(--primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 86, 210, 0.38);
  color: #ffffff;
}

.btn-loan-apply:active {
  transform: translateY(0);
}

/* Divider */
.loan-card-divider {
  height: 1px;
  background: #f1f5f9;
  margin: 1.25rem 0 1.35rem;
}

/* 4-Column Stats Grid */
.loan-card-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  align-items: start;
}

.loan-stat-col {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.loan-stat-label {
  font-size: 0.76rem;
  font-weight: 800;
  color: #94a3b8;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.loan-stat-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: #0f172a;
}

/* Badges / Feature Tags Row */
.loan-card-badges-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 1.2rem;
}

.loan-feature-pill {
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  color: #475569;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 0.32rem 0.85rem;
  border-radius: 20px;
  display: inline-flex;
  align-items: center;
}

/* Advisory Banner */
.loan-table-cta {
  background: #f0f7ff;
  border: 1.5px solid #bfdbfe;
  border-radius: 16px;
  padding: 1.5rem 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
}
.loan-table-cta-text h4 {
  font-size: 1.18rem;
  font-weight: 800;
  color: #1e3a8a;
  margin-bottom: 0.25rem;
}
.loan-table-cta-text p {
  margin: 0;
  color: #3b82f6;
  font-size: 0.94rem;
}

/* ==========================================================================
   SECTION: ĐỐI TÁC TÀI CHÍNH UY TÍN (PARTNERS LOGO GRID / SLIDER)
   ========================================================================== */
.partners-section {
  padding: 3.5rem 0;
  background: #f8fafc;
  border-top: 1.5px solid var(--border-color);
  border-bottom: 1.5px solid var(--border-color);
}

.partners-logos-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.75rem;
  overflow-x: auto;
  padding: 0.6rem 0;
  scrollbar-width: none;
}
.partners-logos-row::-webkit-scrollbar {
  display: none;
}

.partner-brand-item {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 52px;
  padding: 0 1.5rem;
  background: #fff;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: all 0.22s ease;
}
.partner-brand-item:hover {
  border-color: var(--primary-border);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   SECTION: KINH NGHIỆM & THÔNG TIN HỮU ÍCH (BLOG POSTS)
   ========================================================================== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.post-card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border-color);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.post-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.post-thumb-wrap {
  position: relative;
  width: 100%;
  padding-top: 56.25%;
  background: #e2e8f0;
  overflow: hidden;
}
.post-thumb-wrap img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}
.post-card:hover .post-thumb-wrap img {
  transform: scale(1.06);
}

.post-card-body {
  padding: 1.4rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.post-badge {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 800;
  padding: 0.3rem 0.75rem;
  border-radius: 6px;
  background: #e0edff;
  color: var(--primary);
  margin-bottom: 0.75rem;
  width: fit-content;
}
.post-badge.guide { background: #e0f2fe; color: #0284c7; }
.post-badge.compare { background: #fef3c7; color: #d97706; }

.post-title {
  font-size: 1.15rem;
  font-weight: 800;
  line-height: 1.45;
  color: var(--text-main);
  margin-bottom: 0.85rem;
  flex-grow: 1;
}
.post-title a:hover {
  color: var(--primary);
}

.post-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.88rem;
  color: var(--text-light);
  padding-top: 0.85rem;
  border-top: 1px solid var(--border-subtle);
  font-weight: 500;
}

/* ==========================================================================
   TRUST BADGES BAR
   ========================================================================== */
.trust-bar {
  background: #ffffff;
  padding: 2.75rem 0;
  border-top: 1.5px solid var(--border-color);
  border-bottom: 1.5px solid var(--border-color);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 1.1rem;
}

.trust-icon-box {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.35rem;
}

.trust-text strong {
  display: block;
  font-size: 1.08rem;
  color: var(--text-main);
  margin-bottom: 2px;
}
.trust-text span {
  font-size: 0.92rem;
  color: var(--text-light);
}

/* ==========================================================================
   FOOTER (5 COLUMNS) - CLEAN, BALANCED, ZERO UNDERLINES
   ========================================================================== */
.site-footer {
  background: #080e1a;
  color: #94a3b8;
  padding: 4.5rem 0 0;
  font-size: 0.95rem;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.site-footer a {
  text-decoration: none !important;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.2fr 1.15fr 1.15fr 1.3fr 1.5fr;
  gap: 2.5rem;
  padding-bottom: 3.75rem;
  align-items: start;
}

.footer-brand {
  text-align: left;
}

.footer-brand .footer-logo {
  font-size: 1.55rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 0.85rem;
  display: inline-block;
  text-decoration: none !important;
  letter-spacing: -0.02em;
}
.footer-brand .footer-logo span {
  color: #38bdf8;
}

.footer-desc {
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
  color: #94a3b8;
  max-width: 320px;
}

.footer-socials {
  display: flex;
  gap: 0.75rem;
  align-items: center;
}
.footer-social-link {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.07);
  color: #cbd5e1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-decoration: none !important;
  transition: all 0.2s ease;
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-social-link:hover {
  background: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0, 86, 210, 0.35);
}

.footer-col {
  text-align: left;
}

.footer-col h4 {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.2rem;
  letter-spacing: -0.01em;
  white-space: nowrap;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.footer-links li {
  line-height: 1.4;
}
.footer-links a {
  color: #94a3b8;
  font-size: 0.93rem;
  transition: color 0.2s ease, transform 0.2s ease;
  text-decoration: none !important;
  display: inline-block;
  white-space: nowrap;
}
.footer-links a:hover {
  color: #38bdf8;
  transform: translateX(3px);
}

.footer-contact-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  color: #94a3b8;
  font-size: 0.93rem;
  white-space: nowrap;
}
.footer-contact-item strong {
  color: #38bdf8;
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: 0.3px;
}
.footer-contact-item svg {
  color: #38bdf8;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 1.5rem 0;
  text-align: center;
  font-size: 0.88rem;
  color: #64748b;
}

/* ==========================================================================
   MODAL POPUP (LEAD CAPTURE FORM)
   ========================================================================== */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(15, 23, 42, 0.68);
  backdrop-filter: blur(5px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s ease;
  padding: 1rem;
}
.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal-content {
  background: #ffffff;
  border-radius: var(--radius-lg);
  max-width: 520px;
  width: 100%;
  padding: 2.25rem;
  box-shadow: var(--shadow-xl);
  position: relative;
  transform: scale(0.95);
  transition: transform 0.25s ease;
  max-height: 90vh;
  overflow-y: auto;
}
.modal-overlay.active .modal-content {
  transform: scale(1);
}

.modal-close-btn {
  position: absolute;
  top: 1.35rem;
  right: 1.35rem;
  background: #f1f5f9;
  border: none;
  border-radius: 50%;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--text-muted);
  font-size: 1.25rem;
}
.modal-close-btn:hover {
  background: #e2e8f0;
  color: var(--text-main);
}

.modal-header {
  margin-bottom: 1.6rem;
}
.modal-title {
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 0.4rem;
}
.modal-desc {
  font-size: 0.98rem;
  color: var(--text-muted);
}

.form-group {
  margin-bottom: 1.2rem;
}
.form-label {
  display: block;
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 0.45rem;
}
.form-input, .form-select {
  width: 100%;
  padding: 0.85rem 1.15rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  outline: none;
  font-size: 1.05rem;
  transition: border-color 0.2s ease;
}
.form-input:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0, 86, 210, 0.14);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Toast Alert Notification */
.toast-notice {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  background: #0f172a;
  color: #fff;
  padding: 1.1rem 1.6rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.85rem;
  z-index: 10000;
  font-size: 1rem;
  font-weight: 600;
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
.toast-notice.show {
  transform: translateY(0);
  opacity: 1;
}

/* ==========================================================================
   RESPONSIVE DESIGN (MEDIA QUERIES)
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr 1fr;
  }
  .hero-visual {
    display: none;
  }
  .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .categories-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .blog-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr;
    gap: 2.25rem;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 68px;
  }
  
  .site-nav {
    display: none;
  }
  .mobile-menu-toggle {
    display: block;
  }
  
  .hero-section {
    padding: 2.5rem 0 3.5rem;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .hero-title {
    font-size: 2.05rem;
  }
  
  .categories-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  /* Loan Cards Mobile Layout - Zero horizontal scrolling, instant CTA visibility */
  .loan-card-item {
    padding: 1.4rem 1.25rem 1.25rem;
    border-radius: 18px;
  }
  .loan-card-header {
    flex-wrap: wrap;
    gap: 1rem;
  }
  .loan-brand-info {
    flex: 1;
    min-width: 0;
  }
  .loan-brand-logo-box {
    width: 48px;
    height: 48px;
    border-radius: 12px;
  }
  .loan-brand-name {
    font-size: 1.15rem;
  }
  .loan-card-cta-wrap {
    width: auto;
  }
  .btn-loan-apply {
    padding: 0.65rem 1.3rem;
    font-size: 0.92rem;
  }
  
  .loan-card-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.85rem 1rem;
  }
  .loan-stat-col {
    gap: 0.2rem;
  }
  .loan-stat-label {
    font-size: 0.72rem;
  }
  .loan-stat-val {
    font-size: 0.98rem;
  }
  .loan-feature-pill {
    font-size: 0.78rem;
    padding: 0.25rem 0.75rem;
  }
  
  .blog-grid {
    grid-template-columns: 1fr;
  }
  .features-grid {
    grid-template-columns: 1fr;
  }
  .trust-grid {
    grid-template-columns: 1fr;
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem 1.5rem;
  }
  
  .loan-table-cta {
    flex-direction: column;
    text-align: center;
    padding: 1.25rem 1.15rem;
  }
}

@media (max-width: 480px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .loan-card-header {
    flex-direction: column;
    align-items: stretch;
    gap: 0.95rem;
  }
  .loan-card-cta-wrap {
    width: 100%;
  }
  .btn-loan-apply {
    width: 100%;
    padding: 0.75rem 1.25rem;
    font-size: 0.98rem;
  }
  .loan-card-top-tag {
    left: 18px;
    font-size: 0.68rem;
    padding: 0.25rem 0.75rem;
  }
}

/* Mobile Nav Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: min(320px, 85vw);
  height: 100%;
  background: #ffffff;
  z-index: 10001;
  box-shadow: var(--shadow-xl);
  transform: translateX(100%);
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  visibility: hidden;
  padding: 2.25rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  overflow-y: auto;
}
.mobile-drawer.open {
  transform: translateX(0);
  visibility: visible;
}
.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 10000;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}
.mobile-drawer-overlay.open {
  opacity: 1;
  visibility: visible;
}
.mobile-drawer ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
}
.mobile-drawer a {
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--text-main);
  text-decoration: none !important;
  display: block;
}