:root{--primary:#0b4f9e;--primary-dark:#073a76;--primary-light:#e8f1fc;--primary-200:#c4ddf7;--accent:#ff9f1c;--accent-dark:#f08a00;--zalo:#0068ff;--zalo-dark:#0055d4;--text:#16263d;--muted:#5b6b80;--bg:#ffffff;--bg-alt:#f4f8fd;--border:#e2e9f2;--success:#16a34a;--container:1140px;--radius:14px;--radius-sm:10px;--radius-lg:22px;--shadow:0 10px 30px rgba(11,79,158,.08);--shadow-md:0 16px 40px rgba(11,79,158,.14);--shadow-lg:0 24px 60px rgba(11,79,158,.18);--header-h:70px;--ease:.25s cubic-bezier(.4,0,.2,1)}*,:after,:before{box-sizing:border-box}*{margin:0}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px)}body{font-family:Be Vietnam Pro,system-ui,-apple-system,Segoe 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30px;font-size:1.05rem}.btn--block{width:100%}.btn--primary{background:var(--primary);color:#fff}.btn--primary:hover{background:var(--primary-dark);box-shadow:var(--shadow-md)}.btn--accent{background:var(--accent);color:#3a2400;box-shadow:0 8px 20px rgba(255,159,28,.35)}.btn--accent:hover{background:var(--accent-dark);transform:translateY(-2px)}.btn--soft{background:var(--primary-light);color:var(--primary-dark)}.btn--soft:hover{background:var(--primary-200)}.btn--outline{background:transparent;color:var(--primary);box-shadow:inset 0 0 0 2px var(--primary-200)}.btn--outline:hover{background:var(--primary-light)}.btn--zalo{background:var(--zalo);color:#fff;box-shadow:0 8px 20px rgba(0,104,255,.25)}.btn--zalo:hover{background:var(--zalo-dark);transform:translateY(-2px)}.btn--outline-light{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.6)}.btn--outline-light:hover{background:rgba(255,255,255,.14)}.btn--ghost{background:transparent;color:var(--muted);box-shadow:inset 0 0 0 1px var(--border)}.btn--ghost:hover{color:var(--primary);box-shadow:inset 0 0 0 1px var(--primary-200)}.header{position:-webkit-sticky;position:sticky;top:0;z-index:100;background:rgba(255,255,255,.9);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:box-shadow var(--ease),border-color var(--ease)}.header.is-scrolled{box-shadow:var(--shadow);border-color:var(--border)}.header__inner{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:18px}.brand{display:inline-flex;align-items:center;gap:11px;font-weight:800;font-size:1.15rem;color:var(--primary-dark)}.brand--header{flex:0 0 auto}.brand__name{white-space:nowrap;font-size:1.06rem;letter-spacing:-.01em}.brand__mark{display:grid;place-items:center;flex:0 0 auto;width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--primary),#2e74d6);color:#fff;box-shadow:var(--shadow)}.brand--light{color:#fff}.brand--light .brand__mark{background:rgba(255,255,255,.14)}.nav{flex:1 1 auto;display:flex;align-items:center;justify-content:center;gap:2px}.nav__link{padding:9px 13px;border-radius:999px;color:var(--muted);font-weight:500;font-size:.95rem;white-space:nowrap;transition:color var(--ease),background var(--ease)}.nav__link.is-active,.nav__link:hover{color:var(--primary);background:var(--primary-light)}.nav__call{display:none}.nav__item{position:relative}.nav__drop{display:none;flex-direction:column;min-width:220px;padding:8px;background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:var(--shadow-md);z-index:30}.nav__drop a{padding:8px 12px;border-radius:8px;color:var(--text);font-weight:500;font-size:.92rem}.nav__drop a:hover{background:var(--primary-light);color:var(--primary)}@media (min-width:1024px){.nav__drop{position:absolute;top:calc(100% - 2px);left:0}.nav__item:focus-within .nav__drop,.nav__item:hover .nav__drop{display:flex}}.header__actions{flex:0 0 auto;display:flex;align-items:center;gap:10px}.header__zalo{flex:0 0 auto;color:#fff;padding-inline:18px;background:var(--zalo)}.header__zalo:hover{background:var(--zalo-dark)}.header__zalo-icon{flex:0 0 auto}.header__zalo-short{display:none}.header__phone{display:inline-flex;align-items:center;gap:9px;padding:7px 14px 7px 12px;border-radius:999px;color:var(--primary-dark);font-weight:700;white-space:nowrap;box-shadow:inset 0 0 0 1px var(--border);transition:background var(--ease),box-shadow var(--ease)}.header__phone:hover{background:var(--primary-light);box-shadow:inset 0 0 0 1px var(--primary-200)}.header__phone svg{color:var(--success);flex:0 0 auto}.header__phone-text{display:none;flex-direction:column;line-height:1.1}.header__phone-text small{font-size:.66rem;color:var(--muted);font-weight:600}.header__phone-text b{font-size:.95rem}@media (min-width:1140px){.header__phone-text{display:flex}}.nav-toggle{display:none;flex-direction:column;gap:5px;padding:10px}.nav-toggle span{width:24px;height:2px;background:var(--primary-dark);border-radius:2px;transition:var(--ease)}.nav-toggle[aria-expanded=true] span:first-child{transform:translateY(7px) rotate(45deg)}.nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}.nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.hero{position:relative;background:radial-gradient(1100px 500px at 80% -10%,rgba(46,116,214,.16),transparent 60%),linear-gradient(180deg,var(--bg-alt),var(--bg));padding-block:clamp(40px,7vw,84px);overflow:hidden}.hero__inner{display:grid;grid-template-columns:1.05fr .95fr;grid-gap:50px;gap:50px;align-items:center}.hero__content{max-width:560px;min-width:0}.badge-pill{display:inline-block;padding:7px 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span{font-size:.82rem;color:var(--muted)}.hero__visual{display:flex;justify-content:center;min-width:0}.hero__card{width:100%;max-width:360px;background:#fff;border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow-lg);border:1px solid var(--border);transform:rotate(1.5deg)}.hero__card-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;min-width:0}.hero__card-row>span:first-child{color:var(--muted);font-size:.9rem}.hero__card-amount{font-size:1.5rem;font-weight:800;color:var(--primary-dark);overflow-wrap:anywhere}.hero__bar{height:10px;border-radius:999px;background:var(--primary-light);margin:16px 0;overflow:hidden}.hero__bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--primary),var(--accent))}.hero__card-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}.hero__card-grid small{color:var(--muted);font-size:.8rem}.hero__card-grid b{font-size:1.1rem;color:var(--text)}.hero__card-tag{margin-top:18px;padding:10px 14px;border-radius:var(--radius-sm);background:var(--primary-light);color:var(--primary-dark);font-weight:600;font-size:.9rem;text-align:center}.section{padding-block:clamp(48px,8vw,90px)}.section--alt{background:var(--bg-alt)}.section__head{text-align:center;max-width:720px;margin:0 auto clamp(32px,5vw,54px)}.eyebrow{display:inline-block;color:var(--primary);font-weight:700;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}.section__title{font-size:clamp(1.7rem,4vw,2.5rem);font-weight:800;letter-spacing:-.02em;line-height:1.18}.section__sub{margin-top:14px;color:var(--muted);font-size:1.05rem}.features{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:22px;gap:22px}.feature{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px 22px;transition:transform var(--ease),box-shadow 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p{color:var(--muted)}.support-list{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:12px 22px;gap:12px 22px}.support-list li{display:flex;align-items:flex-start;gap:10px;color:var(--text);line-height:1.55}.support-list span{display:grid;place-items:center;flex:0 0 auto;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--primary-light);color:var(--primary);font-size:.78rem;font-weight:800}.support-panel__note{margin-top:22px;padding-top:16px;border-top:1px solid var(--border);color:var(--muted);font-size:.9rem;font-style:italic}.products{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:24px;gap:24px}.product{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px 24px;display:flex;flex-direction:column;transition:transform var(--ease),box-shadow var(--ease),border-color 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48px;border:1px solid var(--border);border-radius:var(--radius);background:var(--bg-alt)}.policy-card__check{top:23px;color:var(--text)}.policy-card h3{margin-bottom:8px}.policy-card p{font-size:.95rem;margin-top:2px}.policy-card b{color:var(--text)}.policy-example h3{font-size:1.12rem}.policy-example li,.policy-example p{color:var(--text)}.policy-example__note{color:var(--muted)}.prose .policy-panel{margin:32px 0}.calc{display:grid;grid-template-columns:1.1fr .9fr;grid-gap:0;gap:0;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);max-width:980px;margin-inline:auto}.calc__form{gap:26px}.calc__form,.calc__result{padding:clamp(24px,4vw,40px);display:flex;flex-direction:column}.calc__result{background:linear-gradient(160deg,var(--primary),var(--primary-dark));color:#fff;justify-content:center;gap:20px}.calc__main{display:flex;flex-direction:column;gap:4px}.calc__main span{opacity:.85;font-size:.95rem}.calc__main strong{font-size:clamp(1.8rem,5vw,2.6rem);font-weight:800;line-height:1.1}.calc__split{display:grid;grid-template-columns:1fr 1fr;grid-gap:16px;gap:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.2)}.calc__split small{display:block;opacity:.8;font-size:.82rem;margin-bottom:2px}.calc__split b{font-size:1.15rem}.calc__disclaimer{font-size:.78rem;opacity:.75;text-align:center}.field{display:flex;flex-direction:column;gap:8px}.field>label{font-weight:600;font-size:.95rem}.field input[type=number],.field input[type=tel],.field input[type=text],.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:#fff;color:var(--text);transition:border-color var(--ease),box-shadow var(--ease)}.field textarea{resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px var(--primary-light)}.field input.is-error,.field 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22px;position:relative;font-weight:600;font-size:1.05rem}.faq__item summary::-webkit-details-marker{display:none}.faq__item summary:after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);width:26px;height:26px;display:grid;place-items:center;background:var(--primary-light);color:var(--primary);border-radius:50%;font-size:1.3rem;font-weight:600;transition:transform var(--ease)}.faq__item[open] summary:after{content:"−";transform:translateY(-50%) rotate(180deg)}.faq__body{padding:0 22px 20px;color:var(--muted)}.faq__body a{color:var(--primary);font-weight:600}.contact{padding-block:clamp(48px,8vw,90px)}.contact__box{display:grid;grid-template-columns:1.1fr 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b{font-size:1.15rem}.footer{background:#0a2647;color:#c7d4e6}.footer__inner{display:grid;grid-template-columns:1.5fr .9fr 1.1fr 1.1fr;grid-gap:36px;gap:36px;padding-block:clamp(40px,6vw,64px)}.footer__brand p{margin-top:14px;color:#93a6c2;max-width:320px}.footer__col h4{color:#fff;font-size:1.05rem;margin-bottom:16px}.footer__col a{display:block;color:#c7d4e6;padding:5px 0;transition:color var(--ease)}.footer__col a:hover{color:#fff}.footer__muted{display:block;color:#93a6c2;margin-top:6px}.footer__bottom{border-top:1px solid rgba(255,255,255,.1);padding-block:22px}.footer__disclaimer{font-size:.82rem;color:#8094b3;max-width:900px}.footer__copy{font-size:.85rem;color:#93a6c2;margin-top:10px}.floating{position:fixed;right:18px;bottom:18px;z-index:90;display:flex;flex-direction:column;gap:12px;align-items:flex-end}.floating__btn{position:relative;display:grid;place-items:center;width:54px;height:54px;border-radius:50%;color:#fff;box-shadow:var(--shadow-md);transition:transform var(--ease)}.floating__btn:hover{transform:scale(1.08)}.floating__btn--call{background:var(--success)}.floating__btn--zalo{background:var(--zalo);width:58px;height:58px}.floating__pulse{position:absolute;inset:0;border-radius:50%;background:var(--zalo);animation:pulse 2s infinite;z-index:-1}@keyframes pulse{0%{transform:scale(1);opacity:.6}to{transform:scale(1.7);opacity:0}}.floating__label{position:absolute;right:70px;top:50%;transform:translateY(-50%);background:#fff;color:var(--text);font-weight:600;font-size:.85rem;padding:7px 13px;border-radius:999px;box-shadow:var(--shadow);white-space:nowrap;opacity:0;pointer-events:none;transition:opacity var(--ease)}.floating__btn--zalo:hover .floating__label{opacity:1}.toast{position:fixed;left:50%;bottom:30px;transform:translate(-50%,24px);background:var(--text);color:#fff;padding:13px 22px;border-radius:999px;font-weight:500;font-size:.95rem;box-shadow:var(--shadow-lg);z-index:200;opacity:0;pointer-events:none;transition:opacity 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