/* =========================================================
   Flight Delay Insurance — Atadi.vn × Bảo hiểm PVI
   styles.css — main stylesheet
   Aesthetic: modern · clean · corporate · travel-tech
   ========================================================= */

:root {
  --blue: #0871e7;
  --blue-dark: #0a5cbd;
  --blue-tint: #def0fc;
  --green: #10b981;
  --ink: #1a1a1a;
  --ink-60: rgba(26, 26, 26, 0.62);
  --ink-45: rgba(26, 26, 26, 0.45);
  --paper: #f3f4ed;
  --paper-2: #ecedf2;
  --white: #ffffff;
  --line: rgba(26, 26, 26, 0.1);
  --line-2: rgba(26, 26, 26, 0.06);
  --radius: 20px;
  --radius-sm: 14px;
  --shadow: 0 1px 2px rgba(16, 24, 40, 0.04), 0 12px 32px -16px rgba(16, 24, 40, 0.18);
  --maxw: 1180px;
  --font-serif: "Playfair Display", Georgia, serif;
  --font-sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 138px; background-color: #cfe6fb; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: transparent;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

/* ============ FULL-PAGE SKY BACKGROUND ============ */
.sky-bg {
  position: fixed;
  inset: 0;
  z-index: -1;
  overflow: hidden;
  pointer-events: none;
  background: linear-gradient(180deg,
    #aed3f3 0%,
    #bedcf7 30%,
    #cfe5fa 60%,
    #dceefb 100%);
}

a { color: inherit; text-decoration: none; }

::selection { background: var(--blue-tint); color: var(--ink); }

/* ============ TOP PILL NAVBAR ============ */
.nav-wrap {
  position: fixed;
  top: 22px;
  left: 50%;
  transform: translateX(-50%);
  width: 95%;
  max-width: var(--maxw);
  z-index: 50;
  pointer-events: none;
}
.nav {
  pointer-events: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 12px 10px 24px;
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  border: 1px solid var(--line);
  border-radius: 999px;
  box-shadow: var(--shadow);
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 13px;
  line-height: 1;
}
.brand-link { display: block; line-height: 0; transition: opacity 0.2s ease; }
.brand-link:hover { opacity: 0.72; }
.nav__logo-pvi { height: 30px; width: auto; display: block; }
.nav__logo-atadi { height: 26px; width: auto; display: block; }
.nav__logo-div { width: 1px; height: 24px; background: var(--line); flex: none; }
.nav__links { display: flex; align-items: center; gap: 36px; }
.nav__links > a:not(.nav__cta) {
  font-size: 14px;
  color: var(--ink);
  opacity: 0.8;
  transition: opacity 0.2s ease;
}
.nav__links > a:not(.nav__cta):hover { opacity: 1; }

.nav__cta {
  position: relative;
  overflow: hidden;
  background: var(--blue);
  color: #fff;
  font-size: 14px;
  font-weight: 500;
  padding: 11px 20px;
  border-radius: 999px;
  box-shadow: inset 0 -4px 4px rgba(255, 255, 255, 0.39);
  outline: 1px solid var(--blue);
  outline-offset: -1px;
  transition: transform 0.2s ease, background 0.2s ease;
}
.nav__cta:hover { background: var(--blue-dark); }
.nav__cta-glint {
  position: absolute;
  width: 80%;
  height: 16px;
  left: 10%;
  top: 1px;
  background: linear-gradient(to bottom, var(--blue-tint), transparent);
  border-radius: 12px;
  transition: transform 0.25s ease;
}
.nav__cta:hover .nav__cta-glint { transform: scaleX(1.06); }

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 4px;
  width: 42px; height: 42px;
  align-items: center; justify-content: center;
  background: transparent; border: 0; cursor: pointer;
  border-radius: 999px;
}
.nav__toggle span {
  display: block; width: 18px; height: 1.8px;
  background: var(--ink); border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.2s ease;
}
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(5.8px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-5.8px) rotate(-45deg); }

/* ============ HERO ============ */
.hero {
  position: relative;
  min-height: 100vh;
  padding: 120px 24px 64px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}
.sky {
  position: absolute;
  inset: 0;
  background: transparent;
}
/* soft white scrim so dark headline stays legible over the sky */
.hero__bg::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(56% 48% at 50% 40%, rgba(255, 255, 255, 0.58), rgba(255, 255, 255, 0) 72%);
}
/* drifting clouds */
.cloud {
  position: absolute;
  border-radius: 50%;
  background: radial-gradient(closest-side, rgba(255,255,255,0.98), rgba(255,255,255,0.78) 42%, rgba(255,255,255,0.28) 66%, rgba(255,255,255,0) 80%);
  filter: blur(3px);
  will-change: transform;
}
.cloud--1 { width: 340px; height: 110px; top: 9%;  left: 4%; }
.cloud--2 { width: 230px; height: 78px;  top: 24%; left: 60%; }
.cloud--3 { width: 440px; height: 132px; top: 5%;  left: 33%; }
.cloud--4 { width: 200px; height: 70px;  top: 33%; left: 84%; }
.cloud--5 { width: 300px; height: 96px;  top: 48%; left: 14%; }
.cloud--6 { width: 380px; height: 118px; top: 64%; left: 52%; }
.cloud--7 { width: 250px; height: 84px;  top: 80%; left: 8%; }
.cloud--8 { width: 320px; height: 100px; top: 88%; left: 70%; }
/* flying plane (simple silhouette icon - looks cleaner/realistic at distance) */
.plane {
  position: absolute;
  top: 0; left: 0;
  width: 46px; height: 46px;
  transform: translate(74vw, 11vh);
  will-change: transform;
}
.plane svg {
  width: 100%; height: 100%;
  fill: rgba(31, 52, 84, 0.82);
  transform: rotate(68deg);
  filter: drop-shadow(0 3px 5px rgba(26, 41, 66, 0.22));
}
.plane__trail {
  position: absolute;
  top: 61%; right: 89%;
  width: 150px; height: 2.5px;
  background: linear-gradient(to left, rgba(255, 255, 255, 0.9), rgba(255, 255, 255, 0));
  border-radius: 3px;
  transform: rotate(-22deg);
  transform-origin: right center;
  filter: blur(0.4px);
}
@media (prefers-reduced-motion: no-preference) {
  .cloud { animation: cloudMove linear infinite; }
  .cloud--1 { animation-duration: 72s; animation-delay: -8s; }
  .cloud--2 { animation-duration: 58s; animation-delay: -34s; }
  .cloud--3 { animation-duration: 92s; animation-delay: -55s; }
  .cloud--4 { animation-duration: 50s; animation-delay: -20s; }
  .cloud--5 { animation-duration: 80s; animation-delay: -64s; }
  .cloud--6 { animation-duration: 100s; animation-delay: -12s; }
  .cloud--7 { animation-duration: 64s; animation-delay: -40s; }
  .cloud--8 { animation-duration: 86s; animation-delay: -70s; }
  .plane { animation: planeFly 34s linear infinite; }
}
@keyframes cloudMove {
  from { transform: translateX(-48vw); }
  to   { transform: translateX(102vw); }
}
@keyframes planeFly {
  0%   { transform: translate(-18vw, 48vw); }
  100% { transform: translate(120vw, -7.7vw); }
}
.hero__inner { position: relative; z-index: 2; max-width: 860px; }
.hero__eyebrow {
  display: inline-block;
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--blue);
  background: rgba(8, 113, 231, 0.08);
  border: 1px solid rgba(8, 113, 231, 0.18);
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 28px;
}
.hero__title {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: clamp(52px, 10vw, 100px);
  line-height: 0.92;
  letter-spacing: -0.02em;
  margin: 0 0 22px;
}
.hero__title .title-top {
  display: block;
  font-size: 0.55em;
  margin-bottom: -0.1em;
}
.hero__title .ital { font-style: italic; color: var(--blue); }
.hero__sub {
  font-size: clamp(16px, 2.2vw, 19px);
  color: var(--ink-60);
  max-width: 780px;
  margin: 0 auto 36px;
}
.hero__actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.hero__facts {
  list-style: none;
  margin: 56px auto 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  max-width: 760px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: saturate(160%) blur(8px);
  -webkit-backdrop-filter: saturate(160%) blur(8px);
  overflow: hidden;
}
.hero__facts li {
  padding: 22px 18px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  border-right: 1px solid var(--line);
}
.hero__facts li:last-child { border-right: 0; }
.hero__facts strong { font-size: 19px; font-weight: 600; letter-spacing: -0.01em; }
.hero__facts span { font-size: 12.5px; color: var(--ink-45); }
.hero__note {
  position: relative; z-index: 2;
  margin-top: 18px;
  font-size: 12.5px;
  color: var(--ink-45);
}

/* ---- Hero co-brand lockup (legacy, currently unused) ---- */
.hero__partners {
  position: relative; z-index: 2;
  margin-top: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
}
.partner { display: flex; flex-direction: column; align-items: center; gap: 9px; }
.partner > span {
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-45);
}
.partner img { width: auto; display: block; }
.partner:first-of-type img { height: 22px; }
.partner:last-of-type img { height: 30px; }
.partner__div { width: 1px; height: 40px; background: var(--line); align-self: flex-end; margin-bottom: 6px; }

/* ============ BUTTONS ============ */
.btn {
  position: relative;
  overflow: hidden;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 15px;
  font-weight: 500;
  padding: 14px 26px;
  border-radius: 999px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}
.btn--primary {
  background: var(--blue);
  color: #fff;
  box-shadow: inset 0 -4px 4px rgba(255, 255, 255, 0.39);
  outline: 1px solid var(--blue);
  outline-offset: -1px;
}
.btn--primary:hover { background: var(--blue-dark); }
.btn__glint {
  position: absolute;
  width: 78%; height: 16px;
  left: 11%; top: 1px;
  background: linear-gradient(to bottom, var(--blue-tint), transparent);
  border-radius: 12px;
  transition: transform 0.25s ease;
}
.btn--primary:hover .btn__glint { transform: scaleX(1.06); }
.btn--ghost {
  background: rgba(255, 255, 255, 0.7);
  color: var(--ink);
  border: 1px solid var(--line);
  box-shadow: 0 2px 6px rgba(0,0,0,0.03);
}
.btn--ghost:hover {
  background: rgba(255, 255, 255, 0.95);
  border-color: rgba(26, 26, 26, 0.25);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}

/* ============ DOCUMENT LAYOUT ============ */
.doc {
  max-width: 940px;
  margin: 0 auto;
  padding: 16px 24px 80px;
}
.doc__content { min-width: 0; }

/* ============ BLOCKS ============ */
.block { position: relative; padding: 40px 0 40px; margin-bottom: 0; }
.block + .block::before {
  content: "";
  position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: min(100%, 720px); height: 1px;
  background: linear-gradient(to right, transparent, rgba(26,26,26,0.14) 18%, rgba(26,26,26,0.14) 82%, transparent);
}
.block + .block::after {
  content: "";
  position: absolute; top: -3px; left: 50%; transform: translateX(-50%);
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 0 0 4px rgba(8,113,231,0.12);
}
.block:last-child { border-bottom: 0; }
.block__kicker {
  display: inline-block;
  font-size: 12.5px;
  letter-spacing: 0.04em;
  color: var(--blue-dark);
  font-weight: 600;
  margin-bottom: 12px;
}
.block__title {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: clamp(30px, 4.4vw, 46px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
}
.block__lead {
  font-size: 17px;
  color: #2b3442;
  max-width: 100%;
  margin: 0 0 28px;
  text-wrap: pretty;
}

/* ============ CARDS ============ */
.cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.cards--2 { grid-template-columns: repeat(2, 1fr); }
.cards--3 { grid-template-columns: repeat(3, 1fr); }
.card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px 24px;
  box-shadow: var(--shadow);
}
.card__num {
  display: inline-flex;
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--blue);
  margin-bottom: 10px;
}
.card h3 { font-size: 17px; font-weight: 600; margin: 0 0 8px; letter-spacing: -0.01em; }
.card p { font-size: 14.5px; color: var(--ink-60); margin: 0; }
.card--plain { background: rgba(255, 255, 255, 0.6); box-shadow: none; }

/* ============ SUBHEAD (in-section heading) ============ */
.subhead {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(22px, 3vw, 30px);
  letter-spacing: -0.01em;
  margin: 44px 0 18px;
  padding-top: 30px;
  border-top: 1px solid var(--line);
}

/* ============ RIGHTS & OBLIGATIONS ============ */
.rights { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.rights__card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 26px 22px;
  box-shadow: var(--shadow);
}
.rights__card h4 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 23px;
  letter-spacing: -0.01em;
  margin: 0 0 14px;
}
.rights__sub {
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--blue);
  font-weight: 600;
  margin: 20px 0 6px;
}
.rights__sub:first-of-type { margin-top: 0; }
.list--dot li {
  position: relative;
  padding: 8px 0 8px 20px;
  font-size: 14.5px;
  color: var(--ink);
  border-bottom: 1px solid var(--line-2);
}
.list--dot li:last-child { border-bottom: 0; }
.list--dot li::before {
  content: "";
  position: absolute; left: 3px; top: 16px;
  width: 6px; height: 6px; border-radius: 50%; background: var(--blue);
}

/* ============ SPLIT ============ */
.split { display: grid; grid-template-columns: 1.2fr 1fr; gap: 28px; align-items: start; }
.callout {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}
.callout h4 { font-size: 14px; font-weight: 600; margin: 0 0 6px; }
.callout h4 + p { margin: 0 0 18px; }
.callout p { font-size: 14.5px; color: var(--ink-60); margin: 0; }
.callout p:last-child { margin-bottom: 0; }

/* ============ LISTS ============ */
.list { margin: 0; padding: 0; list-style: none; }
.list--check li {
  position: relative;
  padding: 12px 0 12px 32px;
  border-bottom: 1px solid var(--line-2);
  font-size: 15.5px;
  color: var(--ink);
}
.list--check li::before {
  content: "";
  position: absolute; left: 4px; top: 17px;
  width: 14px; height: 8px;
  border-left: 2px solid var(--blue);
  border-bottom: 2px solid var(--blue);
  transform: rotate(-45deg);
}
.list--excl { counter-reset: x; display: grid; gap: 0; }
.list--excl li {
  counter-increment: x;
  position: relative;
  padding: 14px 0 14px 44px;
  border-bottom: 1px solid var(--line-2);
  font-size: 15px;
  color: var(--ink);
}
.list--excl li::before {
  content: counter(x, decimal-leading-zero);
  position: absolute; left: 0; top: 14px;
  font-variant-numeric: tabular-nums;
  font-size: 13px;
  color: var(--blue);
  font-weight: 600;
}
.list--sub { margin: 14px 0 0; }
.list--sub li {
  position: relative;
  padding: 8px 0 8px 22px;
  font-size: 14.5px;
  color: var(--ink-60);
}
.list--sub li::before {
  content: ""; position: absolute; left: 4px; top: 16px;
  width: 6px; height: 6px; border-radius: 50%; background: var(--blue);
}

/* ============ BENEFITS TABLE ============ */
.table-scroll { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow); }
.bft {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  min-width: 540px;
}
.bft thead th {
  text-align: left;
  font-size: 12.5px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--ink-45);
  font-weight: 600;
  padding: 16px 20px;
  background: var(--paper-2);
  border-bottom: 1px solid var(--line);
}
.bft thead th:last-child, .bft .amount { text-align: right; }
.bft tbody td {
  padding: 18px 20px;
  font-size: 15px;
  border-bottom: 1px solid var(--line-2);
  vertical-align: top;
}
.bft tbody tr:last-child td { border-bottom: 0; }
.bft .amount { font-variant-numeric: tabular-nums; font-weight: 600; white-space: nowrap; text-align: right; }
.amount__unit { display: block; font-size: 12px; font-weight: 400; color: var(--ink-45); letter-spacing: 0; }
.bft__total td { background: rgba(8, 113, 231, 0.05); font-weight: 600; }
.fill {
  display: inline-block;
  color: var(--blue);
  background: rgba(8, 113, 231, 0.08);
  border: 1px dashed rgba(8, 113, 231, 0.4);
  border-radius: 6px;
  padding: 1px 8px;
  font-size: 0.92em;
  font-weight: 500;
}

/* ============ FLOW ============ */
.flow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.flow__item {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 22px 20px;
  box-shadow: var(--shadow);
}
.flow__n {
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--blue);
  display: block;
  margin-bottom: 10px;
}
.flow__item h4 { margin: 0 0 6px; font-size: 15px; font-weight: 600; }
.flow__item p { margin: 0; font-size: 13.5px; color: var(--ink-60); }

/* ============ DOC ITEMS ============ */
.docs { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.doc-item {
  display: flex; gap: 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
}
.doc-item__i {
  flex: none;
  width: 30px; height: 30px; border-radius: 8px;
  display: grid; place-items: center;
  background: rgba(8, 113, 231, 0.08);
  color: var(--blue);
  font-weight: 700;
  font-size: 14px;
}
.doc-item p { margin: 0; font-size: 14.5px; color: var(--ink); }

/* ============ DEFINITIONS ============ */
.defs { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 32px; margin: 0; }
.defs > div { padding: 16px 0; border-bottom: 1px solid var(--line-2); }
.defs dt { font-size: 15px; font-weight: 600; margin-bottom: 5px; }
.defs dd { margin: 0; font-size: 14px; color: #3a434f; }

/* ============ CLAIMS PORTAL + QR ============ */
.muted-en { display: block; margin-top: 8px; font-size: 13.5px; font-style: italic; color: var(--ink-45); }
.claims {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 24px;
  align-items: stretch;
}
.claims__main {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 28px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.claims__steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.claims__steps li { display: flex; gap: 14px; align-items: flex-start; }
.claims__steps li span {
  flex: none;
  width: 26px; height: 26px; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(8, 113, 231, 0.1);
  color: var(--blue);
  font-size: 13px; font-weight: 700;
}
.claims__steps li p { margin: 0; font-size: 14.5px; color: var(--ink); padding-top: 2px; }
.hotlines { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hotline {
  display: flex; flex-direction: column; gap: 4px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: rgba(8, 113, 231, 0.04);
  transition: border-color 0.18s ease, background 0.18s ease;
}
.hotline:hover { border-color: rgba(8, 113, 231, 0.4); background: rgba(8, 113, 231, 0.07); }
.hotline span { font-size: 11.5px; letter-spacing: 0.02em; color: var(--ink-45); }
.hotline strong { font-size: 19px; font-weight: 600; letter-spacing: -0.01em; font-variant-numeric: tabular-nums; }
.hotline__alt { font-size: 15px !important; color: var(--ink-60); margin-top: 1px; }
.claims__qr {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
  display: flex; flex-direction: column; align-items: center; text-align: center; gap: 10px;
}
.claims__qr-frame {
  width: 176px; height: 176px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 10px;
  background: #fff;
}
.claims__qr-frame img { width: 100%; height: 100%; display: block; image-rendering: pixelated; }
.claims__qr strong { font-size: 14.5px; font-weight: 600; margin-top: 2px; }
.claims__qr .fill { font-size: 11px; }

/* ============ NOTE ============ */
.note {
  margin: 22px 0 0;
  padding: 16px 20px;
  background: rgba(8, 113, 231, 0.045);
  border: 1px solid rgba(8, 113, 231, 0.14);
  border-radius: var(--radius-sm);
  font-size: 13.8px;
  color: var(--ink-60);
}
.note strong { color: var(--ink); }

/* ============ CONTACT ============ */
.block--contact { border-bottom: 0; }
.contact {
  position: relative;
  overflow: hidden;
  color: #fff;
  border-radius: 28px;
  padding: 44px 48px;
  background:
    radial-gradient(120% 90% at 12% 8%, #1f4f8f 0%, transparent 55%),
    linear-gradient(160deg, #0e2c52 0%, #0a2444 48%, #071a33 100%);
  background-color: #0a2444;
  box-shadow: 0 30px 60px -30px rgba(7, 26, 51, 0.7);
}
.contact::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(70% 90% at 92% 12%, rgba(8, 113, 231, 0.4), transparent 58%);
  pointer-events: none;
}
/* row of airplane cabin windows down the side */
.contact__portholes {
  position: absolute; top: 0; bottom: 0; left: 0;
  width: 78px;
  display: flex; flex-direction: column; justify-content: center; gap: 26px;
  align-items: center;
  padding: 0 18px;
  background: linear-gradient(90deg, rgba(255,255,255,0.06), transparent);
  border-right: 1px solid rgba(255,255,255,0.08);
}
.porthole {
  position: relative;
  width: 42px; height: 56px;
  border-radius: 21px / 26px;
  background: linear-gradient(180deg, #bfe0ff 0%, #8ec5f6 45%, #cfe7fb 100%);
  box-shadow:
    inset 0 0 0 4px rgba(255,255,255,0.16),
    inset 0 0 0 7px rgba(10,36,68,0.85),
    0 2px 6px rgba(0,0,0,0.35);
  overflow: hidden;
}
.porthole__cloud {
  position: absolute; left: -30%; top: 58%;
  width: 60%; height: 16%;
  background: rgba(255,255,255,0.92);
  border-radius: 50%;
  filter: blur(2px);
  box-shadow: 22px -6px 0 2px rgba(255,255,255,0.7), 40px 4px 0 -2px rgba(255,255,255,0.55);
}
@media (prefers-reduced-motion: no-preference) {
  .porthole__cloud { animation: portCloud linear infinite; }
  .porthole:nth-child(1) .porthole__cloud { animation-duration: 14s; }
  .porthole:nth-child(2) .porthole__cloud { animation-duration: 19s; animation-delay: -6s; }
  .porthole:nth-child(3) .porthole__cloud { animation-duration: 16s; animation-delay: -11s; }
}
@keyframes portCloud {
  from { transform: translateX(-10px); }
  to   { transform: translateX(90px); }
}
.contact__body {
  position: relative; z-index: 1;
  margin-left: 92px;
  display: grid;
  grid-template-columns: 0.78fr 1.22fr;
  gap: 36px;
  align-items: center;
}
.contact .block__kicker { color: var(--blue-tint); }
.contact .block__title { color: #fff; }
.contact .block__lead { color: rgba(255, 255, 255, 0.68); margin-bottom: 0; }
.contact__cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.contact__card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  display: flex; flex-direction: column; gap: 5px;
  backdrop-filter: blur(4px);
}
.contact__card span { font-size: 12px; line-height: 1.35; color: rgba(255, 255, 255, 0.62); }
.contact__card strong { font-size: 16px; font-weight: 600; letter-spacing: -0.01em; line-height: 1.3; }
.contact__num { white-space: nowrap; }
.contact__alt { font-size: 14.5px !important; color: rgba(255,255,255,0.72); }
/* Hai dòng email. Mỗi dòng là một .contact__erow độc lập (block) nên vẫn xuống hàng
   đúng ngay cả khi file CSS này chưa được cập nhật trên hosting.
   Nhãn có min-width cố định để hai địa chỉ email căn thẳng cột với nhau;
   địa chỉ giữ cỡ 16px/600 như số hotline & tên đơn vị bảo hiểm. */
.contact__emails { display: flex; flex-direction: column; gap: 6px; }
.contact__erow { display: flex; align-items: baseline; gap: 10px; }
.contact__elabel { flex: none; min-width: 120px; font-size: 12px; font-weight: 400; color: rgba(255, 255, 255, 0.62); }
.contact__eaddr { white-space: nowrap; }
.contact__card--wide { grid-column: 1 / -1; }
.contact__card .fill { color: var(--blue-tint); background: rgba(8, 113, 231, 0.22); border-color: rgba(255, 255, 255, 0.25); }

/* ============ FOOTER ============ */
.foot { background: rgba(255, 255, 255, 0.55); border-top: 1px solid var(--line); padding: 56px 24px 44px; backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.foot__inner { max-width: var(--maxw); margin: 0 auto; }
.foot__brand { display: flex; gap: 20px; align-items: flex-start; flex-wrap: wrap; margin-bottom: 24px; }
.foot__logos { display: flex; align-items: center; gap: 18px; flex: none; }
.foot__logo-img { width: auto; display: block; }
.foot__logo-img--atadi { height: 30px; }
.foot__logo-img--pvi { height: 34px; }
.foot__logo-div { width: 1px; height: 30px; background: var(--line); }
.foot__logo { font-family: var(--font-serif); font-size: 30px; letter-spacing: -0.02em; flex: none; }
.foot__logo span { color: var(--blue); }
.foot__brand p { margin: 0; max-width: 640px; font-size: 14px; color: var(--ink-60); }
.foot__legal { font-size: 12.5px; color: var(--ink-45); max-width: 900px; margin: 0 0 18px; line-height: 1.65; }
.foot__copy { font-size: 12.5px; color: var(--ink-45); margin: 0; padding-top: 18px; border-top: 1px solid var(--line); }

/* ============ RESPONSIVE ============ */
@media (max-width: 960px) {
  .doc { grid-template-columns: 1fr; gap: 0; }
  .toc { display: none; }
  .flow { grid-template-columns: repeat(2, 1fr); }
  .cards--3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  html { scroll-padding-top: 104px; }
  .top-fade { height: 92px; }
  .nav { padding: 8px 8px 8px 18px; }
  .nav__links {
    position: absolute;
    top: calc(100% + 12px);
    left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(18px);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 12px;
    box-shadow: var(--shadow);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  }
  .nav__links.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
  .nav__links > a:not(.nav__cta) { padding: 12px 14px; border-radius: 12px; opacity: 1; }
  .nav__links > a:not(.nav__cta):hover { background: rgba(8,113,231,0.06); }
  .nav__cta { justify-content: center; margin-top: 4px; }
  .nav__toggle { display: flex; }

  /* nén hero để 3 box + nút CTA cùng nằm trong 1 màn hình điện thoại */
  .hero { padding: 126px 18px 34px; min-height: 100vh; }
  .hero__eyebrow { margin-bottom: 18px; }
  .hero__title { margin-bottom: 14px; }
  .hero__tagline { margin: -2px 0 18px; }
  .hero__facts { grid-template-columns: repeat(2, 1fr); }
  .hero__facts li:nth-child(2) { border-right: 0; }
  .hero__facts li:nth-child(1), .hero__facts li:nth-child(2) { border-bottom: 1px solid var(--line); }

  .cards, .cards--2, .cards--3, .docs, .defs, .flow { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .rights { grid-template-columns: 1fr; }
  .refund { flex-direction: column; }
  .refund__badge { width: 100%; flex-direction: row; gap: 12px; padding: 16px 22px; }
  .refund__pct { font-size: 34px; }
  .block--claims { padding: 26px 20px; }
  .claims { grid-template-columns: 1fr; }
  .hotlines { grid-template-columns: 1fr; }
  .claims__qr { order: -1; }
  .contact { padding: 28px 22px; }
  .contact__portholes { flex-direction: row; position: static; width: auto; gap: 18px; padding: 4px 0 18px; border-right: 0; border-bottom: 1px solid rgba(255,255,255,0.08); background: none; justify-content: flex-start; }
  .porthole { width: 34px; height: 46px; }
  .contact__body { margin-left: 0; grid-template-columns: 1fr; gap: 22px; }
  .contact__cards { grid-template-columns: 1fr; }
  /* Điện thoại: nhãn nằm trên, địa chỉ email xuống dòng dưới - xếp ngang sẽ tràn khỏi thẻ */
  .contact__emails { gap: 10px; }
  .contact__erow { flex-direction: column; align-items: stretch; gap: 1px; }
  .contact__elabel { min-width: 0; }
  .doc { padding: 24px 18px 60px; }
  .block__lead, .note, .step p, .card p, .callout p { text-align: justify; }
}

/* ============ TOP FADE BAND (ẩn nội dung cuộn sau navbar) ============ */
.top-fade {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: 120px;
  z-index: 40;
  pointer-events: none;
  backdrop-filter: blur(12px) saturate(120%);
  -webkit-backdrop-filter: blur(12px) saturate(120%);
  background: linear-gradient(to bottom, rgba(255,255,255,0.5), rgba(255,255,255,0));
  -webkit-mask-image: linear-gradient(to bottom, #000 68%, transparent);
  mask-image: linear-gradient(to bottom, #000 68%, transparent);
}

/* ============ CARD ICON / HEAD ============ */
.card__head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.card__icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px;
  border-radius: 12px;
  color: var(--blue);
  background: rgba(8, 113, 231, 0.09);
  border: 1px solid rgba(8, 113, 231, 0.16);
}
.card__icon svg { width: 23px; height: 23px; }
.card--plain .card__icon { margin-bottom: 13px; background: rgba(8,113,231,0.08); }

/* ============ REFUND HIGHLIGHT (chấm dứt HĐ) ============ */
.refund {
  display: flex; align-items: stretch; gap: 0;
  background: var(--white);
  border: 1px solid rgba(8,113,231,0.22);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  margin-bottom: 18px;
}
.refund__badge {
  flex: none;
  width: 168px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 4px;
  padding: 22px;
  background: linear-gradient(160deg, var(--blue) 0%, var(--blue-dark) 100%);
  color: #fff;
  text-align: center;
}
.refund__pct { font-family: var(--font-serif); font-size: 44px; line-height: 1; }
.refund__lbl { font-size: 12.5px; letter-spacing: 0.02em; opacity: 0.92; }
.refund__text { padding: 20px 24px; display: flex; flex-direction: column; gap: 8px; justify-content: center; }
.refund__text p { margin: 0; font-size: 15px; color: var(--ink); }
.refund__cond { font-size: 13.5px !important; color: var(--ink-60) !important; }
.refund__cond strong { color: var(--blue); }

/* ============ SUB-SECTIONS (Bồi thường) ============ */
.subsec { position: relative; padding: 26px 0 4px; }
.subsec + .subsec { margin-top: 14px; }
.subsec__head { display: flex; align-items: center; gap: 14px; margin: 0 0 20px; }
.subsec__n {
  flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 11px;
  font-family: var(--font-serif); font-size: 18px;
  color: #fff; background: linear-gradient(160deg, var(--blue), var(--blue-dark));
  box-shadow: inset 0 -3px 4px rgba(255,255,255,0.25);
}
.subsec__title {
  font-family: var(--font-serif); font-weight: 500;
  font-size: clamp(21px, 2.8vw, 27px); letter-spacing: -0.01em;
  margin: 0; line-height: 1.1;
}
.block--claims {
  background: rgba(255,255,255,0.5);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 38px 38px 34px;
  margin: 18px 0;
}
.block--claims .subsec { border-top: 1px dashed rgba(26,26,26,0.12); }
.block--claims .subsec:first-of-type { border-top: 0; }
.block--claims.block + .block::before,
.block--claims.block + .block::after { display: none; }

/* ============ SCROLL REVEAL ============ */
html.reveal-ready .block { opacity: 0; transform: translateY(26px); transition: opacity 0.7s cubic-bezier(.2,.7,.2,1), transform 0.7s cubic-bezier(.2,.7,.2,1); }
html.reveal-ready .block.in-view { opacity: 1; transform: none; }
html.reveal-ready .block.in-view .card,
html.reveal-ready .block.in-view .flow__item,
html.reveal-ready .block.in-view .step,
html.reveal-ready .block.in-view .doc-item,
html.reveal-ready .block.in-view .rights__card { animation: riseIn 0.6s both; }
html.reveal-ready .block.in-view .card:nth-child(2) { animation-delay: 0.06s; }
html.reveal-ready .block.in-view .card:nth-child(3) { animation-delay: 0.12s; }
html.reveal-ready .block.in-view .card:nth-child(4) { animation-delay: 0.18s; }
html.reveal-ready .block.in-view .card:nth-child(5) { animation-delay: 0.24s; }
html.reveal-ready .block.in-view .flow__item:nth-child(2) { animation-delay: 0.07s; }
html.reveal-ready .block.in-view .flow__item:nth-child(3) { animation-delay: 0.14s; }
html.reveal-ready .block.in-view .flow__item:nth-child(4) { animation-delay: 0.21s; }
@keyframes riseIn {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  html.reveal-ready .block { opacity: 1 !important; transform: none !important; transition: none; }
  html.reveal-ready .block.in-view .card,
  html.reveal-ready .block.in-view .flow__item,
  html.reveal-ready .block.in-view .step,
  html.reveal-ready .block.in-view .doc-item,
  html.reveal-ready .block.in-view .rights__card { animation: none; }
}

/* ============ HERO TAGLINE + SECTION NUMBER ============ */
.hero__tagline {
  font-family: var(--font-serif);
  font-size: clamp(22px, 3.5vw, 28px);
  color: var(--ink-60);
  font-style: italic;
  margin: -4px 0 26px;
}
.block__no { display: block; color: var(--blue); font-style: italic; font-weight: 500; font-size: 0.58em; line-height: 1; margin-bottom: 4px; }

/* ============ HERO HIGHLIGHTS (with icons) ============ */
.hero__facts li { align-items: center; text-align: center; gap: 5px; padding: 24px 16px; }
.hero__facts-ic {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 13px; margin-bottom: 5px;
  color: var(--blue); background: rgba(8, 113, 231, 0.09);
  border: 1px solid rgba(8, 113, 231, 0.16);
}
.hero__facts-ic svg { width: 23px; height: 23px; }
.hero__facts strong { font-size: 18px; }
.hero__facts span { line-height: 1.35; }

/* ============ DELAY-CALC INFOGRAPHIC ============ */
.delaycalc {
  display: flex; align-items: stretch; justify-content: center;
  gap: 10px; flex-wrap: wrap;
  margin: 40px 0 10px;
}
.dc-stage {
  flex: 1 1 180px; max-width: 200px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  padding: 24px 20px 22px;
  display: flex; flex-direction: column; align-items: center; text-align: center; gap: 6px;
}
.dc-stage__ic {
  display: inline-flex; align-items: center; justify-content: center;
  width: 56px; height: 56px; border-radius: 16px; margin-bottom: 4px;
  color: var(--blue); background: rgba(8, 113, 231, 0.09);
  border: 1px solid rgba(8, 113, 231, 0.16);
}
.dc-stage__ic svg { width: 29px; height: 29px; }
.dc-stage__t { font-size: 16px; font-weight: 600; letter-spacing: -0.01em; color: var(--ink); }
.dc-stage__s { font-size: 12.5px; color: var(--ink-45); line-height: 1.4; }
.dc-stage--pay {
  background: linear-gradient(165deg, rgba(16, 185, 129, 0.1), rgba(16, 185, 129, 0.03));
  border: 1.5px solid rgba(16, 185, 129, 0.5);
  box-shadow: 0 12px 32px -16px rgba(16, 185, 129, 0.6);
}
.dc-stage--pay .dc-stage__ic { color: var(--green); background: rgba(16, 185, 129, 0.12); border-color: rgba(16, 185, 129, 0.3); }
.dc-stage--pay .dc-stage__t { color: var(--green); }
.dc-stage__pay { font-family: var(--font-serif); font-size: 30px; line-height: 1; color: var(--green); margin-top: 2px; }
.dc-stage__cur { font-size: 18px; }
.dc-link {
  flex: 0 0 auto; align-self: center;
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: var(--blue); padding: 0 2px;
}
.dc-link--ok { color: var(--green); }
.dc-link__badge {
  font-size: 12px; font-weight: 600; white-space: nowrap;
  padding: 5px 11px; border-radius: 999px;
  background: rgba(8, 113, 231, 0.09); border: 1px solid rgba(8, 113, 231, 0.18);
}
.dc-link--ok .dc-link__badge { background: rgba(16, 185, 129, 0.1); border-color: rgba(16, 185, 129, 0.28); }
.dc-link__arrow { width: 48px; height: 20px; }
@media (max-width: 880px) {
  .delaycalc { flex-direction: column; align-items: stretch; }
  .dc-stage { max-width: none; }
  .dc-link { flex-direction: row; gap: 12px; }
  .dc-link__arrow { transform: rotate(90deg); width: 28px; }
}

/* ============ BENEFIT (two-col + traveler image) ============ */
.benefit { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 34px; align-items: center; margin-top: 6px; }
.benefit__text { display: flex; flex-direction: column; gap: 18px; }
.benefit .block__lead { margin: 0; }
.benefit__hl {
  display: flex; flex-direction: column; gap: 4px;
  padding: 18px 22px; border: 1px solid rgba(8, 113, 231, 0.2);
  background: rgba(8, 113, 231, 0.05); border-radius: var(--radius-sm);
}
.benefit__amt { font-family: var(--font-serif); font-size: 42px; line-height: 1; color: var(--blue); }
.benefit__cur { font-size: 24px; }
.benefit__amtsub { font-size: 13.5px; color: var(--ink-60); }
.imgph {
  position: relative; aspect-ratio: 4 / 3;
  border-radius: var(--radius); border: 1px dashed rgba(8, 113, 231, 0.35);
  background-color: rgba(8, 113, 231, 0.04);
  background-image: repeating-linear-gradient(135deg, rgba(8, 113, 231, 0.07) 0 11px, transparent 11px 22px);
  display: flex; align-items: flex-end; justify-content: center;
}
.imgph__cap {
  font-family: ui-monospace, "SF Mono", Menlo, monospace;
  font-size: 12px; letter-spacing: 0.03em; color: var(--blue-dark);
  background: rgba(255, 255, 255, 0.9); padding: 5px 11px; border-radius: 999px;
  margin-bottom: 16px; box-shadow: var(--shadow);
}

/* ============ THẺ QR — TẠO HÌNH Ô CỬA SỔ MÁY BAY ============
   Cùng ngôn ngữ với .porthole ở mục Liên hệ: bo góc kiểu cửa sổ tàu bay,
   nền trời sáng, viền bezel kép và một áng mây trôi phía sau mã QR. */
.claims__qr {
  position: relative;
  overflow: hidden;
  color: var(--ink);
  border: 0;
  /* bo góc kiểu cửa sổ tàu bay; padding dưới rộng hơn để nút không chạm đường cong */
  border-radius: 78px / 92px;
  padding: 34px 30px 44px;
  gap: 12px;
  background: linear-gradient(180deg, #e3f1ff 0%, #bfdcf8 46%, #e6f3fd 100%);
  box-shadow:
    inset 0 0 0 6px rgba(255, 255, 255, 0.6),
    inset 0 0 0 12px rgba(255, 255, 255, 0.92),
    inset 0 0 0 13px rgba(14, 39, 71, 0.13),
    inset 0 14px 26px -14px rgba(14, 39, 71, 0.28),
    0 16px 34px -22px rgba(16, 24, 40, 0.45);
}
/* áng mây trôi ngang khung cửa sổ */
.claims__qr::before {
  content: "";
  position: absolute;
  left: -30%; top: 17%;
  width: 52%; height: 8%;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.92);
  filter: blur(3px);
  box-shadow: 30px -7px 0 3px rgba(255, 255, 255, 0.75), 62px 5px 0 -3px rgba(255, 255, 255, 0.6);
  pointer-events: none;
}
@media (prefers-reduced-motion: no-preference) {
  .claims__qr::before { animation: qrCloud 26s linear infinite; }
}
@keyframes qrCloud { from { transform: translateX(-30px); } to { transform: translateX(360px); } }
/* nội dung nổi trên lớp mây */
.claims__qr > * { position: relative; z-index: 1; }
.claims__qr strong { color: var(--ink); }

.qrtech { position: relative; width: 188px; height: 188px; padding: 16px; display: grid; place-items: center; }
.qrtech img {
  width: 100%; height: 100%;
  object-fit: contain;
  border-radius: 10px;
  background: #fff;
  padding: 9px;
  box-shadow: 0 8px 20px -10px rgba(14, 39, 71, 0.45);
}
.qrtech__b { position: absolute; width: 22px; height: 22px; border: 2px solid var(--blue); }
.qrtech__b--tl { top: 4px; left: 4px; border-right: 0; border-bottom: 0; border-top-left-radius: 6px; }
.qrtech__b--tr { top: 4px; right: 4px; border-left: 0; border-bottom: 0; border-top-right-radius: 6px; }
.qrtech__b--bl { bottom: 4px; left: 4px; border-right: 0; border-top: 0; border-bottom-left-radius: 6px; }
.qrtech__b--br { bottom: 4px; right: 4px; border-left: 0; border-top: 0; border-bottom-right-radius: 6px; }
.qrtech__scan {
  position: absolute; left: 18px; right: 18px; top: 18px; height: 2px;
  background: linear-gradient(90deg, transparent, rgba(8, 113, 231, 0.85), transparent);
  box-shadow: 0 0 10px rgba(8, 113, 231, 0.5); border-radius: 2px;
  animation: qrscan 2.8s ease-in-out infinite;
}
@keyframes qrscan { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(150px); } }
@media (prefers-reduced-motion: reduce) { .qrtech__scan { animation: none; opacity: 0.5; } }

/* ============ EXCLUSIONS (grouped) ============ */
.excl-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.excl-cat { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; box-shadow: var(--shadow); }
.excl-cat__head { display: flex; align-items: center; gap: 12px; margin-bottom: 15px; }
.excl-cat__ic {
  flex: none; width: 42px; height: 42px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--blue); background: rgba(8, 113, 231, 0.09); border: 1px solid rgba(8, 113, 231, 0.16);
}
.excl-cat__ic svg { width: 22px; height: 22px; }
.excl-cat h3 { margin: 0; font-size: 16px; font-weight: 600; letter-spacing: -0.01em; }
.excl-cat ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.excl-cat li { position: relative; padding-left: 18px; font-size: 13.8px; line-height: 1.5; color: var(--ink-60); }
.excl-cat li::before { content: ""; position: absolute; left: 2px; top: 8px; width: 5px; height: 5px; border-radius: 50%; background: rgba(8, 113, 231, 0.5); }

/* ============ CONTACT WIDE CARD + FOOTER ONE-LINE ============ */
.contact__card--wide strong { white-space: nowrap; }
.foot__brand p { max-width: none; }

@media (max-width: 720px) {
  .benefit { grid-template-columns: 1fr; }
  .excl-grid { grid-template-columns: 1fr; }
}

/* =========================================================
   HƯỚNG DẪN CỔNG BỒI THƯỜNG (UCP) — walkthrough tương tác
   ========================================================= */

/* ---- Danh sách chứng từ cần chuẩn bị ---- */
.prep__list {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 12px 20px;
}
.prep__list li { display: flex; gap: 11px; align-items: flex-start; }
.prep__list li span {
  flex: none;
  width: 24px; height: 24px; border-radius: 7px;
  display: grid; place-items: center;
  background: rgba(8, 113, 231, 0.08);
  color: var(--blue);
  font-size: 11.5px; font-weight: 700;
  font-variant-numeric: tabular-nums;
  margin-top: 1px;
}
.prep__list li p { margin: 0; font-size: 14px; color: var(--ink-60); }
.prep__list li p strong { color: var(--ink); font-weight: 600; }
.claims__hint {
  margin: 0;
  padding-top: 16px;
  border-top: 1px dashed rgba(26, 26, 26, 0.12);
  font-size: 13.8px;
  color: var(--ink-60);
}

/* ---- Bố cục 2 cột: danh sách bước | khung ảnh ---- */
.walk {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr);
  gap: 28px;
  align-items: start;
}

/* ---- Cột trái: các bước dạng pill ---- */
.walk__steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.walk__step { margin: 0; }
.walk__btn {
  width: 100%;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  text-align: left;
  font: inherit;
  color: inherit;
  cursor: pointer;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 15px 18px;
  transition: background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}
.walk__btn:hover { background: #fff; border-color: rgba(8, 113, 231, 0.34); transform: translateY(-1px); }
.walk__btn:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.walk__n {
  flex: none;
  width: 32px; height: 32px; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(8, 113, 231, 0.09);
  color: var(--blue);
  font-weight: 700; font-size: 14.5px;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}
.walk__txt { display: block; min-width: 0; }
.walk__txt strong { display: block; font-size: 15.5px; font-weight: 600; letter-spacing: -0.01em; }
.walk__txt em {
  display: none;
  font-style: normal;
  font-size: 14px;
  color: var(--ink-60);
  margin-top: 6px;
  text-wrap: pretty;
}
/* bước đang xem */
.walk__step.is-active .walk__btn {
  background: #fff;
  border-color: rgba(8, 113, 231, 0.45);
  box-shadow: 0 1px 2px rgba(16,24,40,0.04), 0 14px 30px -18px rgba(8,113,231,0.55);
}
.walk__step.is-active .walk__n {
  background: var(--blue);
  color: #fff;
  box-shadow: inset 0 -3px 4px rgba(255, 255, 255, 0.32);
}
.walk__step.is-active .walk__txt em { display: block; }

/* ---- Cột phải: khung trình duyệt ---- */
.walk__view { margin: 0; position: sticky; top: 126px; }
.brw {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.brw__bar {
  display: flex; align-items: center; gap: 6px;
  padding: 11px 14px;
  background: linear-gradient(180deg, #f7f8fa, #eef0f4);
  border-bottom: 1px solid var(--line);
}
.brw__dot { width: 9px; height: 9px; border-radius: 50%; background: rgba(26,26,26,0.16); flex: none; }
.brw__dot:nth-child(1) { background: #f0645b; }
.brw__dot:nth-child(2) { background: #f4bf4f; }
.brw__dot:nth-child(3) { background: #61c454; }
.brw__url {
  margin-left: 10px;
  flex: 1;
  min-width: 0;
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
  font-size: 11.5px;
  color: var(--ink-45);
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: 999px;
  padding: 4px 12px;
  text-align: center;
}
.brw__stage {
  position: relative;
  height: 460px;
  background: linear-gradient(180deg, #fbfcfd, #f4f6f9);
  padding: 0;
  overflow: hidden;
}
/* Ảnh được canh giữa bằng inset + margin:auto — chiều cao khung là xác định
   nên max-height % luôn resolve đúng (grid/flex có thể để lại kích thước
   gián tiếp khiến ảnh dọc bị tràn). */
.brw__stage img {
  position: absolute;
  inset: 14px;
  margin: auto;
  max-width: calc(100% - 28px);
  max-height: calc(100% - 28px);
  width: auto; height: auto;
  display: block;
  border-radius: 8px;
  border: 1px solid var(--line-2);
  background: #fff;
  box-shadow: 0 6px 22px -12px rgba(16, 24, 40, 0.35);
  cursor: zoom-in;
  animation: walkFade 0.32s ease both;
}
@keyframes walkFade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .brw__stage img { animation: none; } }
.brw__zoom {
  position: absolute;
  right: 14px; bottom: 14px;
  width: 34px; height: 34px;
  border-radius: 10px;
  display: grid; place-items: center;
  cursor: pointer;
  color: var(--ink-60);
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid var(--line);
  box-shadow: 0 2px 8px rgba(16, 24, 40, 0.1);
  transition: color 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}
.brw__zoom svg { width: 17px; height: 17px; }
.brw__zoom:hover { color: var(--blue); border-color: rgba(8,113,231,0.4); transform: translateY(-1px); }

/* ---- Caption + điều hướng ---- */
.walk__cap {
  display: flex; align-items: center; gap: 12px;
  margin-top: 14px;
}
.walk__caption-txt {
  flex: 1;
  text-align: center;
  font-size: 13.5px;
  color: var(--ink-60);
  text-wrap: balance;
}
.walk__nav {
  flex: none;
  width: 34px; height: 34px;
  border-radius: 50%;
  display: grid; place-items: center;
  cursor: pointer;
  color: var(--ink-60);
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid var(--line);
  transition: color 0.18s ease, border-color 0.18s ease, background 0.18s ease;
}
.walk__nav svg { width: 17px; height: 17px; }
.walk__nav:hover { color: var(--blue); border-color: rgba(8,113,231,0.4); background: #fff; }
.walk__nav:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }

.walk__dots { display: flex; justify-content: center; flex-wrap: wrap; gap: 7px; margin-top: 12px; }
.walk__dot {
  width: 8px; height: 8px;
  border-radius: 999px;
  border: 0;
  padding: 0;
  cursor: pointer;
  background: rgba(26, 26, 26, 0.18);
  transition: background 0.2s ease, width 0.2s ease;
}
.walk__dot:hover { background: rgba(8, 113, 231, 0.45); }
.walk__dot.is-active { background: var(--blue); width: 20px; }
.walk__dot:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }

/* ---- Trạng thái hồ sơ ---- */
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.stat {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 20px 22px;
  box-shadow: var(--shadow);
}
.stat__chip {
  display: inline-block;
  font-size: 12.5px; font-weight: 600;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 10px;
}
.stat p { margin: 0; font-size: 14px; color: var(--ink-60); }
.stat--proc .stat__chip { background: rgba(8, 113, 231, 0.1); color: var(--blue-dark); }
.stat--pay  .stat__chip { background: rgba(245, 158, 11, 0.13); color: #a8630a; }
.stat--done .stat__chip { background: rgba(16, 185, 129, 0.13); color: #047a58; }

/* ---- Thẻ truy cập Cổng: quét QR "hoặc" bấm nút (cùng một đích) ---- */
.qr__or {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  margin: 2px 0;
  font-size: 12px;
  letter-spacing: 0.04em;
  color: #3d5266; /* navy nhạt - đủ tương phản trên nền trời sáng của ô cửa sổ */
}
.qr__or::before, .qr__or::after {
  content: "";
  flex: 1;
  height: 1px;
  background: rgba(14, 39, 71, 0.16);
}
.btn--block {
  width: 100%;
  justify-content: center;
  text-align: center;
}

/* ---- Lightbox ---- */
.lbox {
  position: fixed; inset: 0; z-index: 100;
  display: grid; place-items: center;
  padding: 5vh 4vw;
  background: rgba(8, 20, 38, 0.82);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  cursor: zoom-out;
  animation: lboxIn 0.2s ease both;
}
.lbox[hidden] { display: none; }
@keyframes lboxIn { from { opacity: 0; } to { opacity: 1; } }
.lbox img {
  max-width: 100%; max-height: 90vh;
  width: auto; height: auto;
  display: block;
  border-radius: 12px;
  background: #fff;
  box-shadow: 0 30px 80px -20px rgba(0, 0, 0, 0.6);
}
.lbox__close {
  position: absolute; top: 20px; right: 22px;
  width: 40px; height: 40px;
  border-radius: 50%;
  display: grid; place-items: center;
  cursor: pointer;
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.28);
  transition: background 0.18s ease;
}
.lbox__close svg { width: 19px; height: 19px; }
.lbox__close:hover { background: rgba(255, 255, 255, 0.26); }

/* ---- Responsive ---- */
@media (max-width: 980px) {
  .walk { grid-template-columns: 1fr; gap: 22px; }
  .walk__view { position: static; }
  .brw__stage { height: 400px; }
  .stat-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .prep__list { grid-template-columns: 1fr; }
  .brw__stage { height: 330px; }
  .brw__stage img { inset: 10px; max-width: calc(100% - 20px); max-height: calc(100% - 20px); }
  /* thẻ QR + nút không kéo full chiều ngang trên máy nhỏ */
  .claims__qr { max-width: 340px; margin-inline: auto; }
  .brw__url { font-size: 10.5px; }
  .walk__btn { padding: 13px 15px; gap: 12px; }
  .walk__txt strong { font-size: 14.5px; }
  .walk__cta .btn { width: 100%; justify-content: center; }
}

/* =========================================================
   ĐIỀU KHOẢN & XÁC NHẬN ĐỒNG Ý
   (nội dung được ô checkbox trên Atadi.vn dẫn chiếu tới)
   ========================================================= */
.consent__list {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 6px 26px;
  margin-bottom: 22px;
}
.consent__list li { font-size: 15px; padding-left: 34px; }
.consent__list li:last-child { border-bottom: 0; }

/* Tên tài liệu / chính sách được dẫn link ngay trong câu xác nhận */
.consent__list a {
  color: var(--blue-dark);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1.5px;
  text-decoration-color: rgba(8, 113, 231, 0.35);
  transition: color 0.18s ease, text-decoration-color 0.18s ease;
}
.consent__list a:hover { color: var(--blue); text-decoration-color: currentColor; }
.consent__list a:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; border-radius: 3px; }

/* Link chính sách ở chân trang */
.foot__policies {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 18px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: 13.5px;
  color: var(--ink-45);
}
.foot__policies a { color: var(--ink-60); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(26,26,26,0.22); }
.foot__policies a:hover { color: var(--blue); text-decoration-color: currentColor; }

@media (max-width: 720px) {
  .consent__list { padding: 4px 18px; }
  .consent__list li { font-size: 14.5px; }
}

/* =========================================================
   3 ĐIỂM VƯỢT TRỘI Ở HERO (.usps)
   ========================================================= */
/* Không khung thẻ: icon nét lớn ở trên, một câu căn giữa ở dưới. */
.usps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px 28px;
  max-width: 900px;
  margin: 32px auto 38px;
}
.usp {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  text-align: center;
}
.usp__ic {
  display: block;
  color: var(--blue);
}
.usp__ic svg {
  width: 58px; height: 58px;
  display: block;
  filter: drop-shadow(0 4px 8px rgba(8, 113, 231, 0.16));
}
.usp p {
  margin: 0;
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-60);
  text-wrap: pretty;
  max-width: 25ch;
}
.usp p b { color: var(--ink); font-weight: 600; }

/* Máy nhỏ: xếp dọc, icon bên trái câu chữ */
@media (max-width: 860px) {
  .usps { display: flex; flex-direction: column; width: fit-content; margin: 24px auto 26px; gap: 18px; }
  .usp { flex-direction: row; align-items: center; gap: 16px; text-align: left; }
  .usp__ic { flex: none; }
  .usp__ic svg { width: 44px; height: 44px; }
  .usp p { font-size: 14.5px; max-width: 260px; }
}

/* =========================================================
   FAQ — nhóm chủ đề thu gọn, mở ra câu hỏi
   Accordion 2 tầng + thanh điều hướng ‹ › duyệt toàn bộ câu
   ========================================================= */
.faq { margin-top: 28px; }
.faq__groups { display: grid; gap: 12px; }

.faq__group {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: border-color 0.2s ease, box-shadow 0.25s ease;
}
.faq__group.is-open {
  border-color: rgba(8, 113, 231, 0.42);
  box-shadow: 0 1px 2px rgba(16, 24, 40, 0.04), 0 16px 34px -20px rgba(8, 113, 231, 0.5);
}

.faq__gbtn {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 17px 20px;
  background: none;
  border: 0;
  font: inherit;
  color: inherit;
  text-align: left;
  cursor: pointer;
  border-radius: var(--radius);
}
.faq__gic {
  width: 38px; height: 38px;
  flex: none;
  display: grid; place-items: center;
  border-radius: 12px;
  background: rgba(8, 113, 231, 0.075);
  color: var(--blue);
}
.faq__gic svg { width: 20px; height: 20px; }
.faq__gtxt { flex: 1; min-width: 0; }
.faq__gtxt strong { display: block; font-size: 15.5px; font-weight: 600; letter-spacing: -0.01em; }
.faq__gtxt em { display: block; font-style: normal; font-size: 13.5px; color: var(--ink-60); margin-top: 3px; text-wrap: pretty; }
.faq__gchev { flex: none; width: 22px; height: 22px; color: var(--ink-45); transition: transform 0.3s ease, color 0.2s ease; }
.faq__gchev svg { width: 100%; height: 100%; display: block; }
.faq__group.is-open .faq__gchev { transform: rotate(180deg); color: var(--blue); }

/* Mở/đóng mượt mà không cần biết trước chiều cao */
.faq__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.32s ease; }
.faq__group.is-open .faq__panel { grid-template-rows: 1fr; }
.faq__panel-in { overflow: hidden; }

.faq__list { list-style: none; margin: 0; padding: 0 20px 6px 73px; }
.faq__item { border-top: 1px solid var(--line); }
.faq__qbtn {
  width: 100%;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  background: none;
  border: 0;
  font: inherit;
  color: inherit;
  text-align: left;
  cursor: pointer;
}
.faq__q { flex: 1; font-size: 14.5px; font-weight: 500; line-height: 1.5; text-wrap: pretty; }
.faq__item.is-open .faq__q { color: var(--blue); }

/* Dấu + xoay thành × khi mở */
.faq__plus { position: relative; flex: none; width: 18px; height: 18px; margin-top: 2px; transition: transform 0.28s ease; }
.faq__plus::before,
.faq__plus::after {
  content: "";
  position: absolute;
  left: 50%; top: 50%;
  background: var(--ink-45);
  border-radius: 2px;
  transition: background 0.2s ease;
}
.faq__plus::before { width: 13px; height: 1.6px; transform: translate(-50%, -50%); }
.faq__plus::after { width: 1.6px; height: 13px; transform: translate(-50%, -50%); }
.faq__item.is-open .faq__plus { transform: rotate(135deg); }
.faq__item.is-open .faq__plus::before,
.faq__item.is-open .faq__plus::after { background: var(--blue); }

.faq__a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.3s ease; }
.faq__item.is-open .faq__a { grid-template-rows: 1fr; }
.faq__a-in { overflow: hidden; }
/* Dàn hết bề ngang khối FAQ; chừa 32px bên phải để mép chữ thẳng với câu hỏi (né cột dấu +) */
.faq__a p { margin: 0 32px 15px 0; font-size: 14px; line-height: 1.7; color: var(--ink-60); text-wrap: pretty; }
.faq__a a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }

@media (max-width: 720px) {
  .faq__gbtn { gap: 12px; padding: 15px 16px; }
  .faq__gic { width: 34px; height: 34px; border-radius: 10px; }
  .faq__gtxt strong { font-size: 15px; }
  .faq__list { padding: 0 16px 4px 16px; }
}