/* ============================================================
   Kiirlaen 24 — kiirlaen24.com
   Design: "Fresh Green" — värske, sõbralik, usaldusväärne
   ============================================================ */

:root{
  --green:#12b76a;
  --green-deep:#0e9f6e;
  --teal:#065f46;
  --teal-2:#047857;
  --mint:#e6f7ef;
  --mint-2:#f0fbf6;
  --orange:#f79009;
  --orange-soft:#fff4e5;
  --ink:#0f2e25;
  --text:#33544b;
  --muted:#6b8a80;
  --white:#ffffff;
  --line:#dcefe6;
  --radius:20px;
  --radius-sm:14px;
  --shadow-soft:0 10px 30px -12px rgba(6,95,70,.18);
  --shadow-card:0 24px 60px -24px rgba(6,95,70,.28);
  --shadow-lift:0 30px 70px -28px rgba(6,95,70,.35);
  --pastel-blue:#e0f2fe;
  --pastel-pink:#fce7f3;
  --pastel-yellow:#fef9c3;
  --pastel-purple:#ede9fe;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:hidden}
body{
  font-family:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  max-width:100%;
}
a{text-decoration:none;color:inherit}
img{max-width:100%}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{color:var(--teal);font-weight:800;line-height:1.18;letter-spacing:-.02em}
.hl{color:var(--green)}
section{position:relative}
/* anchor offset so sticky header doesn't cover section tops */
.anchor-offset{position:absolute;top:-90px}

/* ===== BUTTONS ===== */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:inherit;font-weight:700;font-size:1rem;
  border:none;cursor:pointer;border-radius:999px;
  padding:.9rem 1.6rem;transition:transform .18s ease, box-shadow .25s ease, background .2s ease;
  white-space:nowrap;
}
.btn-primary{
  background:linear-gradient(135deg,var(--green) 0%,var(--green-deep) 100%);
  color:#fff;box-shadow:0 14px 26px -12px rgba(18,183,106,.7);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 20px 34px -12px rgba(18,183,106,.8)}
.btn-lg{padding:1.15rem 2.2rem;font-size:1.08rem}
.btn-sm{padding:.6rem 1.15rem;font-size:.9rem}
.btn-block{width:100%}
.btn-ghost{background:var(--mint);color:var(--teal)}
.btn-ghost:hover{background:#d6f2e5;transform:translateY(-1px)}

/* ===== HEADER ===== */
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid #e7f4ee;
}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:.6rem;font-weight:800;font-size:1.28rem;color:var(--teal);letter-spacing:-.02em}
.logo .mark{
  width:40px;height:40px;border-radius:12px;
  background:linear-gradient(135deg,var(--green),var(--green-deep));
  display:grid;place-items:center;color:#fff;box-shadow:0 8px 18px -6px rgba(18,183,106,.65);
  flex:0 0 auto;
}
.logo .mark svg{width:22px;height:22px}
.logo b{color:var(--green)}
.nav-links{display:flex;align-items:center;gap:.4rem;list-style:none}
.nav-links a{
  padding:.55rem .9rem;border-radius:10px;color:var(--text);font-weight:600;font-size:.96rem;
  transition:background .18s,color .18s;
}
.nav-links a:hover{background:var(--mint);color:var(--teal)}
/* The CTA inside nav-links is only for the mobile dropdown menu */
.nav-links-cta{display:none}
.nav-cta{display:flex;align-items:center;gap:.75rem}
.hamburger{display:none;background:var(--mint);border:none;border-radius:12px;width:46px;height:46px;cursor:pointer;padding:0}
.hamburger span{display:block;width:20px;height:2px;background:var(--teal);margin:4px auto;border-radius:2px;transition:.25s}
.hamburger.open span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ===== HERO ===== */
.hero{
  padding:66px 0 84px;
  overflow:hidden; /* contain floating dots + prevent horizontal overflow on small screens */
  background:
    radial-gradient(1100px 460px at 88% -8%, #d9f5e8 0%, rgba(217,245,232,0) 60%),
    radial-gradient(900px 460px at -6% 18%, #eafff5 0%, rgba(234,255,245,0) 55%),
    linear-gradient(180deg,var(--mint-2) 0%,#ffffff 68%);
}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:center}
/* grid/flex children must be allowed to shrink below content size, else they overflow on mobile */
.hero-text,.form-wrap,.card{min-width:0}
.hero-text .lead{overflow-wrap:anywhere}
.badge{
  display:inline-flex;align-items:center;gap:.55rem;
  background:#fff;border:1px solid #cdeeda;color:var(--teal);
  padding:.5rem .95rem;border-radius:999px;font-weight:700;font-size:.86rem;
  box-shadow:var(--shadow-soft);margin-bottom:1.3rem;
}
.badge .stars{color:var(--orange);letter-spacing:1px}
.hero h1{font-size:clamp(2.2rem,4.6vw,3.5rem);margin-bottom:1.1rem}
.hero .lead{font-size:1.14rem;color:var(--text);max-width:540px;margin-bottom:1.6rem}
.checks{list-style:none;display:grid;gap:.7rem;margin-bottom:2rem}
.checks li{display:flex;align-items:center;gap:.7rem;font-weight:600;color:var(--ink)}
.checks .ic{
  width:26px;height:26px;border-radius:50%;flex:0 0 auto;
  background:var(--mint);display:grid;place-items:center;color:var(--green-deep);
}
.checks .ic svg{width:15px;height:15px}
.trust-row{display:flex;gap:14px;flex-wrap:wrap}
.trust-pill{
  background:#fff;border:1px solid #e2f2ea;border-radius:16px;padding:.9rem 1.1rem;
  box-shadow:var(--shadow-soft);
  flex:1 1 140px; /* grow/shrink, base 140px — shrink prevents overflow on narrow screens */
  min-width:0;
}
.trust-pill .num{font-size:1.28rem;font-weight:800;color:var(--teal);letter-spacing:-.02em}
.trust-pill .lbl{font-size:.82rem;color:var(--muted);font-weight:600}


/* ===== FORM CARD ===== */
.form-wrap{position:relative;z-index:2}
.card{
  background:#fff;border-radius:24px;box-shadow:var(--shadow-card);
  border:1px solid #ecf7f1;padding:26px;position:relative;
}
.card::before{
  content:"";position:absolute;inset:0;border-radius:24px;pointer-events:none;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.6);
}
.form-head{display:flex;align-items:center;gap:.7rem;margin-bottom:.4rem}
.form-head .dot{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px var(--mint)}
.form-title{font-size:1.35rem;color:var(--teal);font-weight:800}
.form-sub{color:var(--muted);font-size:.92rem;margin-bottom:1.3rem}

.slider-block{margin-bottom:1.2rem}
.slider-top{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:.55rem}
.slider-top label{font-weight:700;color:var(--ink);font-size:.95rem}
.slider-val{font-weight:800;color:var(--green-deep);font-size:1.15rem}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;
  background:linear-gradient(90deg,var(--green) 0%,var(--green) 50%,#e4f3ec 50%,#e4f3ec 100%);
  outline:none;cursor:pointer;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:26px;height:26px;border-radius:50%;
  background:#fff;border:5px solid var(--green);cursor:pointer;
  box-shadow:0 5px 14px -4px rgba(18,183,106,.7);transition:transform .12s;
}
input[type=range]::-webkit-slider-thumb:active{transform:scale(1.12)}
input[type=range]::-moz-range-thumb{
  width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--green);cursor:pointer;
  box-shadow:0 5px 14px -4px rgba(18,183,106,.7);
}
.range-hints{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:.4rem}

.estimate{
  background:linear-gradient(135deg,var(--mint) 0%,#e0f7ec 100%);
  border:1px solid #cdeeda;border-radius:18px;padding:16px 18px;margin:.5rem 0 1.3rem;
}
.estimate-row{display:flex;justify-content:space-between;gap:12px}
.est-box{flex:1}
.est-box .k{font-size:.82rem;color:var(--teal-2);font-weight:600}
.est-box .v{font-size:1.5rem;font-weight:800;color:var(--teal);letter-spacing:-.02em}
.est-box.right{text-align:right}
.est-note{font-size:.76rem;color:var(--muted);margin-top:.7rem;border-top:1px dashed #b9e3cd;padding-top:.6rem}

.field{margin-bottom:.95rem}
.field label{display:block;font-weight:700;color:var(--ink);font-size:.9rem;margin-bottom:.35rem}
.field .opt{color:var(--muted);font-weight:600;font-size:.8rem}
.field .req{color:#f04438;font-weight:800;margin-left:1px}
.field-hint{font-size:.78rem;color:var(--muted);margin-top:.3rem}
/* hide the descriptive hint once an error is showing, to avoid clutter */
.field.invalid .field-hint{display:none}
.field input,.field select{
  width:100%;padding:.85rem 1rem;border:1.5px solid #e0efe8;border-radius:13px;
  font-family:inherit;font-size:.98rem;color:var(--ink);background:#fbfefc;transition:border .18s,box-shadow .18s;
}
.field input::placeholder{color:#a9c2b9}
.field input:focus,.field select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(18,183,106,.14);background:#fff}
.field.invalid input,.field.invalid select{border-color:#f04438;background:#fff5f4}
.err{color:#d92d20;font-size:.8rem;margin-top:.3rem;display:none;font-weight:600}
.field.invalid .err{display:block}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}

.check-line{display:flex;gap:.65rem;align-items:flex-start;margin-bottom:.8rem;cursor:pointer}
.check-line input{width:20px;height:20px;margin-top:2px;accent-color:var(--green);flex:0 0 auto;cursor:pointer}
.check-line span{font-size:.86rem;color:var(--text)}
.check-group.invalid .check-line span{color:#d92d20}
.check-group.invalid input{outline:2px solid #f04438;outline-offset:2px;border-radius:4px}

.ssl-note{display:flex;align-items:center;justify-content:center;gap:.5rem;color:var(--muted);font-size:.82rem;margin-top:1rem;font-weight:600}
.ssl-note svg{width:15px;height:15px}

/* ===== LOADING ===== */
.loading{display:none;text-align:center;padding:20px 10px 8px}
.spinner{
  width:66px;height:66px;border-radius:50%;
  border:6px solid var(--mint);border-top-color:var(--green);animation:spin 1s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}
/* wrapper để đặt số đếm ngược vào GIỮA vòng xoay */
.spinner-wrap{position:relative;width:66px;height:66px;margin:6px auto 22px}
.spinner-count{
  position:absolute;inset:0;display:grid;place-items:center;
  font-size:1.65rem;font-weight:800;color:var(--green-deep);line-height:1;
  font-variant-numeric:tabular-nums;
}
/* nhịp "pop" mỗi khi số đổi */
.spinner-count.tick{animation:countPop .42s ease}
@keyframes countPop{0%{transform:scale(.55);opacity:.3}55%{transform:scale(1.12)}100%{transform:scale(1);opacity:1}}
.loading h3{font-size:1.25rem;margin-bottom:1.4rem}
.steps{list-style:none;display:grid;gap:.8rem;max-width:320px;margin:0 auto}
.steps li{
  display:flex;align-items:center;gap:.8rem;padding:.7rem .9rem;border-radius:14px;
  background:#f6fbf8;border:1px solid #e8f4ee;color:var(--muted);font-weight:600;transition:.3s;text-align:left;
}
.steps li .stp{width:26px;height:26px;border-radius:50%;flex:0 0 auto;background:#e2f2ea;display:grid;place-items:center;color:var(--muted);font-size:.85rem;font-weight:800}
.steps li.active{background:var(--mint);border-color:#bfe8d3;color:var(--teal)}
.steps li.active .stp{background:var(--green);color:#fff}
.steps li.done .stp{background:var(--green-deep);color:#fff}
.steps li.done{color:var(--teal-2)}

/* ===== OFFERS ===== */
.offers{display:none}
.offers-head{text-align:center;margin-bottom:1.6rem}
.offers-head h2{font-size:1.7rem;margin-bottom:.4rem}
.offers-head p{color:var(--muted)}
.lender-logo{
  width:56px;height:56px;border-radius:16px;flex:0 0 auto;display:grid;place-items:center;
  font-weight:800;font-size:1.25rem;color:#fff;overflow:hidden;
}
/* logo dạng ẢNH: khung CHỮ NHẬT rộng, ảnh to, nền trắng, không méo */
.lender-logo.has-img{
  background:#fff;border:1px solid var(--line);
  width:104px;height:60px;border-radius:12px;padding:8px 12px;
}
.lender-logo.has-img img{width:100%;height:100%;object-fit:contain;display:block}
/* logo ảnh trong list (nhỏ hơn best-card nhưng vẫn chữ nhật) */
.lender-logo.sm.has-img{width:84px;height:48px;border-radius:10px;padding:6px 9px}
/* logo trong partners strip: chữ nhật nhỏ */
/* ============================================================
   OFFER CARDS — thiết kế mới: đồng nhất, lãi suất nổi bật, gọn
   ============================================================ */
/* ===== OFFER CARDS — style smslaen (grid 2 cột, 4 ô specs, badge) ===== */
.offer-list{display:grid;grid-template-columns:1fr 1fr;gap:16px}

.ocard{
  position:relative;background:#fff;border:1.5px solid var(--line);border-radius:18px;
  padding:20px;transition:transform .16s,box-shadow .22s,border-color .2s;box-shadow:var(--shadow-soft);
}
.ocard:hover{transform:translateY(-3px);box-shadow:var(--shadow-card);border-color:#cdeeda}
/* card Parim: viền xanh + bóng xanh */
.ocard-best{border-color:var(--green);box-shadow:0 18px 40px -20px rgba(18,183,106,.55)}

/* badge góc trên trái: Parim (xanh gradient) / Sobib (xanh) */
.oc-badge{
  position:absolute;top:0;left:20px;transform:translateY(-50%);
  display:inline-flex;align-items:center;gap:.35rem;color:#fff;
  font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;
  padding:.34rem .85rem;border-radius:999px;
}
.oc-badge.parim{background:linear-gradient(135deg,var(--green),var(--green-deep));box-shadow:0 8px 16px -6px rgba(18,183,106,.6)}
.oc-badge.sobib{background:linear-gradient(135deg,#12b76a,#0a8f5a)}

/* header: logo trái + sao/điểm phải */
.oc-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:6px 0 16px}
.oc-logo{background:#f7faf9;border:1px solid var(--line);border-radius:12px;height:56px;min-width:110px;max-width:170px;display:grid;place-items:center;padding:8px 14px;overflow:hidden;color:#fff;font-weight:800}
.oc-logo img{max-width:130px;max-height:38px;object-fit:contain}
.oc-rating{display:flex;align-items:center;gap:6px;font-weight:800;color:var(--ink);font-size:.95rem;white-space:nowrap;flex:0 0 auto}
.oc-rating .st{color:var(--orange);font-size:.95rem;letter-spacing:1px}

/* 4 ô thông số lưới 2×2 */
.oc-specs{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
.oc-spec{background:#f6faf8;border-radius:12px;padding:12px 10px;text-align:center;min-width:0}
.oc-spec .k{font-size:.66rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin-bottom:5px}
.oc-spec .v{font-size:1.1rem;font-weight:800;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.oc-spec.accent .v{color:var(--green-deep)}

/* nút to full-width, có tên lender */
.oc-cta{width:100%;display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;font-weight:800;font-size:1.02rem;
  border:none;border-radius:14px;padding:.95rem;text-decoration:none;box-shadow:0 14px 26px -12px rgba(18,183,106,.75);transition:.16s}
.oc-cta:hover{transform:translateY(-1px);box-shadow:0 18px 32px -12px rgba(18,183,106,.85)}
.oc-cta svg{width:17px;height:17px;transition:transform .2s}
.oc-cta:hover svg{transform:translateX(3px)}

/* dòng USP dưới nút */
.oc-foot{margin-top:12px;text-align:center;font-size:.8rem;color:var(--muted);font-weight:600}
.oc-foot .chk{color:var(--green)}
.oc-foot a{color:var(--green-deep);font-weight:700}

/* offer ngoài vahemik: làm mờ nhẹ, vẫn hiện đủ */
.ocard-out{background:#fbfcfc;border-color:#eef1f0;opacity:.85}
.ocard-out:hover{opacity:1;border-color:#dfe6e3}
.ocard-out .oc-spec.accent .v{color:#5b6b66}

/* ngăn cách nhẹ giữa nhóm phù hợp và nhóm ngoài vahemik — full chiều ngang grid */
.offer-divider{grid-column:1/-1;display:flex;align-items:center;gap:12px;margin:4px 2px 0}
.offer-divider::before,.offer-divider::after{content:"";flex:1;height:1px;background:#e6f2ec}
.offer-divider span{font-size:.76rem;color:var(--muted);font-weight:600;white-space:nowrap}

/* grid 2 cột → 1 cột khi hẹp (popup, mobile) */
@media (max-width:620px){ .offer-list{grid-template-columns:1fr} }
.offers-foot{text-align:center;margin-top:1.6rem}
.disclaimer{font-size:.82rem;color:var(--muted);max-width:640px;margin:1rem auto 0;line-height:1.55}

/* ===== PARTNERS STRIP ===== */
.partners{padding:40px 0;background:#fff;border-top:1px solid #eef6f1;border-bottom:1px solid #eef6f1}
.partners .eyebrow{text-align:center;color:var(--muted);font-weight:800;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:1.6rem}
/* logo partners: ô đều nhau, hàng lẻ tự căn giữa (flex thay grid) */
.partner-logos{
  display:flex;flex-wrap:wrap;justify-content:center;
  gap:12px;max-width:860px;margin:0 auto;
}
.partner-logos .plogo{flex:0 1 148px}
.plogo{
  display:flex;align-items:center;justify-content:center;
  background:#fff;border:1px solid #e6f4ee;border-radius:14px;
  height:72px;padding:14px 16px;transition:border-color .18s,box-shadow .2s;overflow:visible;
}
.plogo:hover{border-color:#cdeeda;box-shadow:var(--shadow-soft)}
/* logo bên trong: căn giữa, KHÔNG ép chiều cao cứng → không cắt chân logo */
.plogo .lender-logo.sm{display:flex;align-items:center;justify-content:center;width:100%;max-width:120px;height:44px;border-radius:0;font-size:1rem;background:none;color:var(--teal);overflow:visible}
.plogo .lender-logo.sm.has-img{width:100%;max-width:120px;height:44px;border:none;padding:0;background:none}
.plogo .lender-logo.sm.has-img img{max-width:100%;max-height:100%;width:auto;height:auto;object-fit:contain;display:block}
.plogo .plabel{display:none}

/* ===== GENERIC SECTION ===== */
.sec{padding:80px 0}
.sec-tint-down{background:linear-gradient(180deg,#fff 0%,var(--mint-2) 100%)}
.sec-tint-up{background:linear-gradient(180deg,var(--mint-2) 0%,#fff 100%)}
.sec-head{text-align:center;max-width:640px;margin:0 auto 3rem}
.eyebrow-tag{
  display:inline-block;background:var(--mint);color:var(--green-deep);font-weight:800;
  font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;padding:.4rem .9rem;border-radius:999px;margin-bottom:1rem;
}
.sec-head h2{font-size:clamp(1.7rem,3.3vw,2.4rem);margin-bottom:.7rem}
.sec-head p{color:var(--muted);font-size:1.05rem}

/* HOW */
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.how-card{
  background:#fff;border:1px solid #eaf5ef;border-radius:20px;padding:30px 26px;text-align:center;
  box-shadow:var(--shadow-soft);position:relative;transition:transform .2s;
}
.how-card:hover{transform:translateY(-5px)}
.how-num{
  position:absolute;top:-16px;left:26px;width:34px;height:34px;border-radius:12px;
  background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;font-weight:800;display:grid;place-items:center;
  box-shadow:0 8px 16px -6px rgba(18,183,106,.7);
}
.how-ic{width:66px;height:66px;border-radius:20px;display:grid;place-items:center;margin:8px auto 18px}
.how-ic svg{width:30px;height:30px}
.how-card h3{font-size:1.2rem;margin-bottom:.5rem}
.how-card p{color:var(--muted);font-size:.95rem}

/* LAENUANDJAD grid */
.lender-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.lender-card{
  background:#fff;border:1px solid #eaf5ef;border-radius:20px;padding:22px;box-shadow:var(--shadow-soft);
  transition:transform .18s,box-shadow .22s;
}
.lender-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-card)}
.lc-top{display:flex;align-items:center;gap:12px;margin-bottom:1rem}
.lc-name{font-weight:800;color:var(--teal);font-size:1.1rem}
.lc-rating{font-size:.82rem;color:var(--muted);font-weight:600}
.lc-rating .star{color:var(--orange)}
.lc-tag{display:inline-block;background:var(--mint);color:var(--teal-2);font-weight:700;font-size:.76rem;padding:.3rem .7rem;border-radius:999px;margin-bottom:1rem}
.lc-rows{display:grid;gap:.55rem;font-size:.9rem}
.lc-rows .lr{display:flex;justify-content:space-between;border-bottom:1px dashed #e6f2eb;padding-bottom:.5rem}
.lc-rows .lr:last-child{border-bottom:none;padding-bottom:0}
.lc-rows .lr .k{color:var(--muted);font-weight:600}
.lc-rows .lr .v{color:var(--ink);font-weight:800}
.lender-card .btn{margin-top:1.1rem}

/* WHY */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.why-card{background:#fff;border:1px solid #eaf5ef;border-radius:20px;padding:30px;box-shadow:var(--shadow-soft)}
.why-ic{width:60px;height:60px;border-radius:18px;display:grid;place-items:center;margin-bottom:18px}
.why-ic svg{width:28px;height:28px}
.why-card h3{font-size:1.2rem;margin-bottom:.5rem}
.why-card p{color:var(--muted);font-size:.95rem}

/* reviews mini */
.reviews{display:flex;justify-content:center;margin-top:2.4rem;align-items:center;flex-wrap:wrap}
.avatars{display:flex}
.avatars .av{
  width:44px;height:44px;border-radius:50%;border:3px solid #fff;margin-left:-12px;display:grid;place-items:center;
  color:#fff;font-weight:800;font-size:.9rem;box-shadow:0 4px 10px -4px rgba(6,95,70,.3);
}
.avatars .av:first-child{margin-left:0}
.reviews .rtxt{margin-left:14px;text-align:left}
.reviews .rtxt b{color:var(--teal);font-weight:800}
.reviews .rtxt span{display:block;color:var(--muted);font-size:.85rem}

/* FAQ */
.faq-wrap{max-width:800px;margin:0 auto;display:grid;gap:14px}
.faq-item{background:#fff;border:1px solid #eaf5ef;border-radius:16px;overflow:hidden;box-shadow:var(--shadow-soft)}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;gap:16px;width:100%;
  padding:20px 22px;background:none;border:none;cursor:pointer;text-align:left;font-family:inherit;
  font-weight:700;font-size:1.05rem;color:var(--teal);
}
.faq-q .chev{width:30px;height:30px;border-radius:50%;background:var(--mint);display:grid;place-items:center;flex:0 0 auto;transition:.25s;color:var(--green-deep)}
.faq-item.open .faq-q .chev{transform:rotate(45deg);background:var(--green);color:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;color:var(--muted)}
.faq-a p{padding:0 22px 20px;font-size:.96rem}

/* CTA */
.cta{padding:70px 0}
.cta-inner{
  background:linear-gradient(135deg,var(--teal) 0%,var(--green-deep) 100%);
  border-radius:28px;padding:56px 40px;text-align:center;position:relative;overflow:hidden;
  box-shadow:0 30px 70px -30px rgba(6,95,70,.6);
}
.cta-inner h2{color:#fff;font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:1rem;position:relative}
.cta-inner p{color:#d3f3e4;font-size:1.08rem;margin-bottom:1.8rem;position:relative}
.cta-inner .btn{background:#fff;color:var(--teal);position:relative}
.cta-inner .btn:hover{background:#f0fbf6;transform:translateY(-2px)}

/* FOOTER */
footer{background:#062e24;color:#bfe0d3;padding:60px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1.05fr .95fr .9fr;gap:32px;margin-bottom:40px}
.foot-brand .logo{color:#fff}
.foot-brand .logo b{color:#79e2b3}
.foot-brand p{margin-top:1rem;color:#8fc4b0;font-size:.92rem;max-width:300px}
.foot-col h4{color:#fff;font-size:.95rem;margin-bottom:1rem;letter-spacing:.02em}
.foot-col ul{list-style:none;display:grid;gap:.6rem}
.foot-col a,.foot-col li{color:#8fc4b0;font-size:.9rem;transition:color .18s}
.foot-col a:hover{color:#79e2b3}
.risk{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:18px 20px;margin-bottom:26px}
.risk b{color:#ffd8a8}
.risk p{color:#8fc4b0;font-size:.84rem;line-height:1.6}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;text-align:center;color:#7ab89f;font-size:.86rem}

/* ===== RESPONSIVE ===== */
@media (max-width:940px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero .lead{max-width:none}
  /* tablet: 3 cột → 2 cột (không nhảy thẳng 1 cột cho đỡ phí không gian) */
  .how-grid,.lender-grid,.why-grid{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media (max-width:640px){
  .how-grid,.lender-grid,.why-grid{grid-template-columns:1fr}
}
@media (max-width:760px){
  .header-cta{display:none}
  .hamburger{display:block}
  .nav{position:relative}
  .nav-links{ display:none; }
  .nav-links.mobile-open{
    display:flex;flex-direction:column;align-items:stretch;position:absolute;top:calc(100% + 6px);left:0;right:0;
    background:#fff;padding:14px;gap:4px;
    box-shadow:0 20px 40px -14px rgba(6,46,36,.25);
    border:1px solid #e7f4ee;border-radius:16px;
    z-index:60;
  }
  .nav-links.mobile-open a:not(.btn){
    display:block;padding:1rem 1rem;border-radius:10px;font-size:1.05rem;font-weight:600;color:var(--text);
  }
  .nav-links.mobile-open a:not(.btn):hover,
  .nav-links.mobile-open a:not(.btn):active{background:var(--mint);color:var(--teal)}
  /* CTA tách khỏi list bằng đường kẻ + khoảng cách rõ */
  .nav-links.mobile-open .nav-links-cta{display:block;margin-top:10px;padding-top:12px;border-top:1px solid #eef6f1}
  .nav-links.mobile-open .nav-links-cta .btn{
    display:flex;width:100%;justify-content:center;
    background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;
    padding:.95rem;border-radius:12px;font-weight:800;
  }
  .nav-links.mobile-open .nav-links-cta .btn:hover{color:#fff}
  .sec{padding:48px 0}
  .cta-inner{padding:40px 24px}
  .grid-2{grid-template-columns:1fr}
  /* siết khoảng trống hero trên mobile */
  .hero{padding:32px 0 40px}
  .hero-grid{gap:28px}
  .badge{margin-bottom:1rem}
  .hero h1{margin-bottom:.8rem}
  .hero .lead{margin-bottom:1.2rem}
  .checks{margin-bottom:1.4rem}
}
@media (max-width:480px){
  /* trust pills: grid đều nhau (không còn 1 pill lẻ full-width) */
  .trust-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:7px}
  .trust-pill{min-width:0;padding:.65rem .35rem;text-align:center}
  .trust-pill .num{font-size:.76rem;line-height:1.25;word-break:normal}
  .trust-pill .lbl{font-size:.72rem;margin-top:2px}
  .card{padding:20px}
  .ocard{padding:16px}
  .oc-spec .v{font-size:1rem}
  /* siết thêm cho màn nhỏ */
  .hero{padding:26px 0 32px}
  .hero-grid{gap:22px}
  .checks{gap:.55rem;margin-bottom:1.2rem}
}
/* offer card 4 ô specs 2×2: dưới 360px về 1 cột cho khỏi cắt chữ */
@media (max-width:360px){
  .oc-specs{grid-template-columns:1fr}
}
/* footer: 2 cột quá chật cho chữ dài (Refinantseerimine...) → 1 cột ở mọi mobile/tablet hẹp */
@media (max-width:680px){
  .foot-grid{grid-template-columns:1fr;gap:26px}
  .foot-col{min-width:0}
  .foot-col a,.foot-col li,.foot-col h4{overflow-wrap:anywhere;word-break:normal}
}

/* ============================================================
   POPUP MODAL (form → loading → offers)
   ============================================================ */
.modal-overlay{
  position:fixed;inset:0;z-index:1000;
  background:rgba(6,46,36,.55);
  backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);
  display:flex;align-items:center;justify-content:center;
  padding:24px 16px;overflow:hidden;
  animation:overlayIn .2s ease;
}
.modal-overlay[hidden]{display:none}
@keyframes overlayIn{from{opacity:0}to{opacity:1}}

.modal{
  position:relative;width:100%;max-width:480px;margin:auto;
  display:flex;flex-direction:column;
  background:#fff;border-radius:24px;box-shadow:0 40px 90px -20px rgba(6,46,36,.5);
  padding:20px 26px 26px;
  /* modal CỐ ĐỊNH giữa màn hình; nội dung dài thì cuộn BÊN TRONG modal */
  max-height:90vh;max-height:90dvh;overflow-y:auto;-webkit-overflow-scrolling:touch;
  transition:max-width .3s ease;
  animation:modalIn .28s cubic-bezier(.2,.9,.3,1.2);
  scrollbar-width:none;          /* Firefox: ẩn thanh cuộn */
  -ms-overflow-style:none;       /* IE/Edge cũ */
}
.modal::-webkit-scrollbar{width:0;height:0;display:none} /* Chrome/Safari: ẩn thanh cuộn */
@keyframes modalIn{from{opacity:0;transform:translateY(24px) scale(.97)}to{opacity:1;transform:none}}
/* stage offers cần rộng để chứa grid 2 cột card (form/loading vẫn hẹp) */
.modal.wide{max-width:860px}
.modal.closing{animation:modalOut .18s ease forwards}
@keyframes modalOut{to{opacity:0;transform:translateY(10px) scale(.98)}}
.modal-overlay.closing{animation:overlayOut .18s ease forwards}
@keyframes overlayOut{to{opacity:0}}

/* top gradient accent giống card */
.modal::before{
  content:"";position:absolute;top:0;left:24px;right:24px;height:4px;border-radius:0 0 4px 4px;
  background:linear-gradient(90deg,var(--green),var(--green-deep));
}

/* nút đóng: ghim sát góc trên-phải modal, KHÔNG cuộn theo, KHÔNG đè nội dung */
.modal-close{
  position:sticky;top:0;z-index:6;align-self:flex-end;flex:0 0 auto;
  width:36px;height:36px;
  margin-top:-6px;margin-right:-8px;margin-bottom:-36px;  /* kéo lên sát góc + không chiếm chỗ dọc */
  border-radius:50%;border:none;background:var(--mint);color:var(--teal);cursor:pointer;
  display:grid;place-items:center;transition:background .15s,transform .15s;
}
.modal-close:hover{background:#d6f2e5;transform:rotate(90deg)}
.modal-close svg{width:18px;height:18px}

.modal-stage{animation:stageFade .25s ease}
@keyframes stageFade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
/* loading + offers ẩn ban đầu; JS sẽ bật lần lượt */
.modal .loading,.modal .offers{display:none}

/* summary bar: nhắc lại summa + periood đã chọn */
.modal-summary{
  display:flex;flex-wrap:wrap;gap:8px 10px;margin-bottom:1rem;
}
.modal-summary span{
  flex:1;min-width:0;background:var(--mint-2);border:1px solid #e4f3ec;border-radius:12px;
  padding:.6rem .8rem;font-size:.82rem;color:var(--muted);font-weight:600;
}
.modal-summary b{display:block;color:var(--teal);font-size:1.05rem;font-weight:800}

.modal-h{font-size:1.35rem;color:var(--teal);margin:.2rem 0 .4rem;padding-right:30px}
.modal-p{color:var(--muted);font-size:.94rem;margin-bottom:1.2rem}

/* offers trong modal: bỏ padding thừa của .loading */
.modal .loading{padding:14px 6px 6px}
.modal .offers-head h2{font-size:1.35rem}

/* khoá scroll trang nền khi modal mở */
body.modal-open{overflow:hidden}

@media (max-width:560px){
  /* Popup NỔI Ở GIỮA màn hình mobile (không full-screen nữa) */
  .modal-overlay{align-items:center;padding:16px 14px}
  .modal,.modal.wide{
    max-width:420px;width:100%;margin:auto;
    max-height:calc(100dvh - 32px);overflow-y:auto;-webkit-overflow-scrolling:touch;
    border-radius:22px;padding:26px 18px 22px;
  }
  .modal-close{top:12px;right:12px;width:34px;height:34px}
  .modal-h,.modal .offers-head h2{font-size:1.2rem}
  /* gradient accent bám sát mép bo góc của modal */
  .modal::before{left:18px;right:18px}
}

/* ===== BRAND LOGO (concept 5 – lightning, inline SVG) ===== */
.logo{gap:0}
.logo .brand-logo{height:56px;width:auto;display:block}
.foot-brand .logo .brand-logo{height:60px}
@media (max-width:760px){ .logo .brand-logo{height:48px} }