/* ============================================================
   CẨM NANG VAY & THẺ — kgen.vn/vay-tien-online/bai-viet/
   Dùng chung design token với trang so sánh chính
   ============================================================ */
:root{
 --navy-deep:#0B2A4A;--navy-mid:#123A63;--navy-line:#1C4A78;
 --blue:#1D6FD8;--blue-soft:#EAF2FD;--blue-line:#D7E6FB;
 --green:#16A34A;--green-deep:#0E7C39;--green-soft:#E8F8EE;
 --gold:#E3A008;--gold-deep:#B9800A;--gold-soft:#FDF1D6;
 --ink-900:#0B1220;--ink-600:#4B5768;--ink-400:#8996AC;
 --paper:#F7F9FC;--white:#FFFFFF;--line:#E3E8F0;
 --ease:cubic-bezier(.32,.72,0,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;background:var(--paper);color:var(--ink-900);font-family:'Inter',system-ui,sans-serif;font-size:16.5px;line-height:1.7;-webkit-font-smoothing:antialiased}
.serif{font-family:'Fraunces',Georgia,serif;font-variation-settings:"opsz" 96,"SOFT" 40;letter-spacing:-.012em;line-height:1.12}
.em{font-style:italic;font-variation-settings:"opsz" 96,"SOFT" 90}
.mono{font-family:'JetBrains Mono',ui-monospace,monospace;font-variant-numeric:tabular-nums}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}

/* ---- Nav ---- */
.nav{position:sticky;top:0;z-index:50;background:rgba(247,249,252,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-in{max-width:860px;margin:0 auto;padding:12px 24px;display:flex;align-items:center;gap:14px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;color:var(--navy-deep);font-size:15.5px}
.brand:hover{text-decoration:none}
.brand em{color:var(--blue);font-style:normal}
.nav-back{margin-left:auto;font-size:13.5px;font-weight:600;color:var(--ink-600);white-space:nowrap}
.nav-back:hover{color:var(--blue)}

/* ---- Article shell ---- */
.shell{max-width:760px;margin:0 auto;padding:0 24px}
.crumb{font-size:12.5px;color:var(--ink-400);margin:26px 0 0;display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.crumb a{color:var(--ink-600)}
.crumb .sep{color:var(--ink-400)}
.a-head{margin:14px 0 8px}
.a-kicker{font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--blue)}
h1{font-size:clamp(28px,5vw,40px);margin:10px 0 14px;color:var(--navy-deep)}
.a-lede{font-size:18px;color:var(--ink-600);margin:0 0 18px}
.a-meta{display:flex;flex-wrap:wrap;gap:14px;font-size:13px;color:var(--ink-400);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:12px 0;margin-bottom:26px}
.a-meta b{color:var(--ink-600);font-weight:600}
.a-cover{border-radius:16px;overflow:hidden;border:1px solid var(--line);box-shadow:0 18px 44px rgba(11,42,74,.10);margin:0 0 10px}
.a-caption{font-size:12.5px;color:var(--ink-400);text-align:center;margin:8px 0 30px}

/* ---- Nội dung ---- */
.a-body h2{font-size:clamp(22px,3.4vw,28px);color:var(--navy-deep);margin:44px 0 12px}
.a-body h3{font-size:18.5px;color:var(--navy-deep);margin:28px 0 8px}
.a-body p{margin:0 0 16px}
.a-body ul,.a-body ol{margin:0 0 16px;padding-left:24px}
.a-body li{margin-bottom:7px}
.a-body strong{color:var(--navy-deep)}
.a-fig{margin:26px 0;border-radius:14px;overflow:hidden;border:1px solid var(--line);background:var(--white)}
.a-fig img{width:100%}
.a-figcap{font-size:12.5px;color:var(--ink-400);text-align:center;margin:8px 0 26px}

/* Hộp lưu ý / disclosure */
.note{display:flex;gap:12px;background:var(--gold-soft);border:1px solid #F0DFAE;border-radius:12px;padding:14px 16px;font-size:14px;color:#6B5217;margin:0 0 26px}
.note .ic{flex:none;font-size:17px}
.callout{background:var(--blue-soft);border:1px solid var(--blue-line);border-radius:12px;padding:16px 18px;font-size:15px;margin:22px 0}
.callout b{color:var(--navy-deep)}
.warn{background:#FDECEC;border:1px solid #F5C6C6;border-radius:12px;padding:16px 18px;font-size:15px;color:#7C2D2D;margin:22px 0}

/* Mục lục */
.toc{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 30px}
.toc b{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-400)}
.toc ol{margin:10px 0 0;padding-left:20px;font-size:14.5px}
.toc li{margin-bottom:5px}

/* Bảng */
.tbl-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:14px;background:var(--white)}
table.tbl{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
.tbl th{background:var(--navy-deep);color:#fff;text-align:left;padding:11px 14px;font-weight:600;white-space:nowrap}
.tbl td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:var(--paper)}
.tbl .ok{color:var(--green-deep);font-weight:600}
.tbl .no{color:#B91C1C}

/* CTA */
.cta-box{background:linear-gradient(135deg,var(--navy-deep),var(--navy-mid));border-radius:16px;padding:26px 28px;color:#fff;margin:30px 0;box-shadow:0 18px 40px rgba(11,42,74,.25)}
.cta-box h4{margin:0 0 6px;font-size:19px}
.cta-box p{margin:0 0 16px;color:#C6D8EE;font-size:14.5px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#3B2A05;font-weight:700;font-size:15px;padding:13px 24px;border-radius:999px;transition:transform .25s var(--ease),box-shadow .3s}
.btn:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(227,160,8,.4);text-decoration:none}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4);margin-left:10px}
.btn.ghost:hover{border-color:#fff;box-shadow:none}

/* Ưu / nhược */
.pn{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:22px 0}
.pn .col{border-radius:14px;padding:16px 18px;font-size:14.5px}
.pn .pro{background:var(--green-soft);border:1px solid #C9EBD4}
.pn .con{background:#FDECEC;border:1px solid #F5C6C6}
.pn h4{margin:0 0 10px;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
.pn .pro h4{color:var(--green-deep)}
.pn .con h4{color:#B91C1C}
.pn ul{margin:0;padding-left:18px}
.pn li{margin-bottom:6px}
@media(max-width:620px){.pn{grid-template-columns:1fr}}

/* Nguồn tham khảo */
.src-list{font-size:13.5px;color:var(--ink-600);background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px 16px 38px;margin:0 0 16px}
.src-list li{margin-bottom:6px}

/* FAQ */
.faq{margin:22px 0}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:12px;margin-bottom:10px;overflow:hidden}
.faq summary{padding:15px 18px;font-weight:600;font-size:15px;cursor:pointer;color:var(--navy-deep);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';color:var(--blue);font-weight:700;font-size:17px}
.faq details[open] summary::after{content:'−'}
.faq .fa{padding:0 18px 15px;font-size:14.5px;color:var(--ink-600)}

/* Bài liên quan */
.rel{margin:44px 0 0}
.rel h2{font-size:22px;color:var(--navy-deep);margin:0 0 16px}
.rel-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.rel-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px;transition:transform .25s var(--ease),box-shadow .3s}
.rel-card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(11,42,74,.10);text-decoration:none}
.rel-card b{display:block;color:var(--navy-deep);font-size:15px;margin-bottom:5px}
.rel-card span{font-size:13px;color:var(--ink-600)}
@media(max-width:620px){.rel-grid{grid-template-columns:1fr}}

/* Footer */
.foot{margin-top:56px;border-top:1px solid var(--line);background:var(--white)}
.foot-in{max-width:860px;margin:0 auto;padding:26px 24px;font-size:13px;color:var(--ink-600)}
.foot-in a{font-weight:600}
.foot-dis{font-size:12px;color:var(--ink-400);margin-top:10px}

/* ---- Trang mục lục (hub) ---- */
.hub-head{max-width:860px;margin:0 auto;padding:44px 24px 10px;text-align:center}
.hub-head h1{margin:12px 0 10px}
.hub-head .a-lede{max-width:600px;margin:0 auto 8px}
.hub-grid{max-width:860px;margin:26px auto 0;padding:0 24px;display:grid;grid-template-columns:1fr 1fr;gap:20px}
.hub-card{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:transform .28s var(--ease),box-shadow .3s;display:flex;flex-direction:column}
.hub-card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(11,42,74,.12);text-decoration:none}
.hub-card img{aspect-ratio:1200/630;object-fit:cover}
.hub-body{padding:16px 20px 20px}
.hub-tag{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue)}
.hub-tag.card-tag{color:var(--gold-deep)}
.hub-body b{display:block;font-size:17px;color:var(--navy-deep);margin:7px 0 6px;line-height:1.35}
.hub-body span{font-size:13.5px;color:var(--ink-600)}
@media(max-width:680px){.hub-grid{grid-template-columns:1fr}}