/* ==========================================================================
   TND ASSURANCE DESIGN SYSTEM — "Private-banking ấm áp"
   BEM prefix: .tnd-* (dễ dàng cắt sang Saola hoặc WordPress)
   ========================================================================== */

:root {
  /* Brand */
  --c-navy-900: #0D2039;
  --c-navy-800: #112541;
  --c-navy-700: #163958;
  --c-gold-500: #B7914F;
  --c-gold-600: #9C7A3E;
  --c-gold-300: #E2BF84;
  --c-gold-100: #F6EEDF;

  /* Neutral */
  --c-ink-900: #14202E;
  --c-ink-600: #4A5B6E;
  --c-ink-400: #667687;
  --c-line: #DAE1E6;
  --c-bg-soft: #F4F7F9;
  --c-white: #FFFFFF;

  /* Semantic */
  --c-success: #2E7D5B;
  --c-warning: #B7791F;
  --c-danger: #B42318;
  --c-info: #1F5FA8;

  /* Typography */
  --f-serif: 'Lora', Georgia, serif;
  --f-sans: 'Be Vietnam Pro', system-ui, -apple-system, sans-serif;

  /* Fluid Type Scale */
  --fs-display: clamp(2.125rem, 1.55rem + 2.4vw, 3.375rem);
  --fs-h1: clamp(1.85rem, 1.45rem + 1.6vw, 2.75rem);
  --fs-h2: clamp(1.55rem, 1.25rem + 1.1vw, 2.25rem);
  --fs-h3: clamp(1.1875rem, 1.1rem + 0.35vw, 1.375rem);
  --fs-lead: clamp(1.0625rem, 1rem + 0.25vw, 1.22rem);
  --fs-body: 1rem;
  --fs-small: 0.875rem;
  --fs-xs: 0.75rem;

  /* Radii & Shadows */
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-pill: 999px;
  --sh-1: 0 1px 2px rgba(13, 32, 57, .06);
  --sh-2: 0 8px 24px rgba(13, 32, 57, .08);
  --sh-3: 0 20px 48px rgba(13, 32, 57, .14);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }
body {
  margin: 0;
  overflow-x: clip;
  font-family: var(--f-sans);
  font-size: var(--fs-body);
  line-height: 1.65;
  color: var(--c-ink-900);
  background: var(--c-white);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }

:focus-visible {
  outline: 2px solid var(--c-gold-500);
  outline-offset: 2px;
}

.tnd-skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 200;
  padding: 10px 16px;
  background: var(--c-navy-900);
  color: var(--c-white);
  font-weight: 600;
}
.tnd-skip-link:focus { left: 12px; top: 12px; border-radius: var(--r-sm); }

/* Container & Grid */
.tnd-container {
  width: 100%;
  max-width: 1200px;
  margin-inline: auto;
  padding-inline: 16px;
}
@media (min-width: 768px) { .tnd-container { padding-inline: 24px; } }
@media (min-width: 1024px) { .tnd-container { padding-inline: 32px; } }
.tnd-container--narrow { max-width: 820px; }

.tnd-grid { display: grid; gap: 24px; }
.tnd-grid > * { min-width: 0; }
.tnd-grid--2 { grid-template-columns: 1fr; }
.tnd-grid--3 { grid-template-columns: 1fr; }
.tnd-grid--4 { grid-template-columns: 1fr; }
.tnd-grid--asymmetric { grid-template-columns: 1fr; }
@media (min-width: 640px) {
  .tnd-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .tnd-grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 960px) {
  .tnd-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .tnd-grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .tnd-grid--asymmetric { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 36px; align-items: start; }
  .tnd-grid--product { grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: 36px; align-items: start; }
}

/* Sections */
.tnd-section { padding-block: 64px; }
@media (min-width: 1024px) { .tnd-section { padding-block: 88px; } }
.tnd-section--soft { background: var(--c-bg-soft); }
.tnd-section--navy { background: var(--c-navy-900); color: var(--c-white); }
.tnd-section--gold { background: var(--c-gold-100); border-block: 1px solid #E8D9BC; }

/* Section Heading */
.tnd-heading { max-width: 740px; margin-bottom: 40px; }
.tnd-heading--center { margin-inline: auto; text-align: center; }
.tnd-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--c-gold-600);
  margin-bottom: 10px;
}
.tnd-section--navy .tnd-eyebrow,
.tnd-hero .tnd-eyebrow { color: var(--c-gold-300); }
.tnd-heading h2 {
  font-family: var(--f-serif);
  font-size: var(--fs-h2);
  line-height: 1.25;
  margin: 0 0 12px;
  color: var(--c-navy-900);
}
.tnd-section--navy .tnd-heading h2 { color: var(--c-white); }
.tnd-heading p { margin: 0; font-size: var(--fs-lead); color: var(--c-ink-600); }
.tnd-section--navy .tnd-heading p { color: #CBD6E2; }
.tnd-hairline {
  width: 56px;
  height: 2px;
  background: var(--c-gold-500);
  margin-top: 16px;
}
.tnd-heading--center .tnd-hairline { margin-inline: auto; }

/* Buttons */
.tnd-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 44px;
  padding: 10px 22px;
  border-radius: var(--r-pill);
  border: 1px solid transparent;
  font-size: var(--fs-small);
  font-weight: 600;
  cursor: pointer;
  transition: transform .15s ease, background-color .15s ease, border-color .15s ease, box-shadow .15s ease;
  white-space: nowrap;
}
@media (max-width: 639px) {
  .tnd-btn {
    white-space: normal;
    text-align: center;
    max-width: 100%;
  }
}
.tnd-btn:hover { transform: translateY(-1px); }
.tnd-btn--primary {
  background: var(--c-gold-500);
  color: var(--c-navy-900);
  box-shadow: 0 4px 12px rgba(183, 145, 79, .24);
}
.tnd-btn--primary:hover { background: var(--c-gold-300); }
.tnd-btn--secondary {
  background: transparent;
  border-color: var(--c-navy-900);
  color: var(--c-navy-900);
}
.tnd-btn--secondary:hover { background: var(--c-bg-soft); }
.tnd-btn--outline-light {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(226, 191, 132, .55);
  color: var(--c-white);
}
.tnd-btn--outline-light:hover { background: rgba(255, 255, 255, .16); }
.tnd-btn--sm { min-height: 36px; padding: 6px 14px; font-size: 0.8125rem; }
.tnd-btn--lg { min-height: 50px; padding: 12px 28px; font-size: 0.9375rem; }

.tnd-text-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: var(--fs-small);
  color: var(--c-gold-600);
}
.tnd-text-link:hover { text-decoration: underline; text-underline-offset: 4px; }
.tnd-section--navy .tnd-text-link { color: var(--c-gold-300); }

/* Badges & Chips */
.tnd-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: var(--r-sm);
  background: var(--c-gold-100);
  color: var(--c-gold-600);
  font-size: 0.75rem;
  font-weight: 600;
}
.tnd-badge--navy { background: var(--c-navy-900); color: var(--c-gold-300); }
.tnd-badge--soft { background: var(--c-bg-soft); color: var(--c-ink-600); border: 1px solid var(--c-line); }

.tnd-chip {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 6px 14px;
  border-radius: var(--r-pill);
  border: 1px solid var(--c-line);
  background: var(--c-white);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--c-ink-900);
  cursor: pointer;
  transition: border-color .15s, background-color .15s;
}
.tnd-chip:hover, .tnd-chip.is-active {
  border-color: var(--c-gold-500);
  background: var(--c-gold-100);
  color: var(--c-navy-900);
}
.tnd-section--navy .tnd-chip {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .2);
  color: var(--c-white);
}
.tnd-section--navy .tnd-chip:hover {
  border-color: var(--c-gold-300);
  background: rgba(226, 191, 132, .18);
}

/* Topbar */
.tnd-topbar {
  background: var(--c-navy-900);
  color: #CBD6E2;
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.tnd-topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 38px;
  flex-wrap: wrap;
  padding-block: 4px;
}
.tnd-topbar__contacts { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.tnd-topbar__contacts a:hover { color: var(--c-gold-300); }
.tnd-topbar__portal {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--c-gold-300);
  opacity: .9;
}
.tnd-topbar__soon {
  padding: 1px 7px;
  border-radius: var(--r-pill);
  background: rgba(226, 191, 132, .16);
  font-size: 0.6875rem;
  font-weight: 600;
}

/* Header & Navigation */
.tnd-header {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--c-line);
}
.tnd-header__inner {
  display: flex;
  align-items: stretch;
  justify-content: space-between;
  gap: 16px;
  min-height: 72px;
}
.tnd-brand {
  display: inline-flex;
  align-items: center;
  align-self: center;
  gap: 10px;
  font-family: var(--f-serif);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--c-navy-900);
  flex: none;
  white-space: nowrap;
}
.tnd-brand img { flex: none; }
.tnd-brand small {
  display: block;
  font-family: var(--f-sans);
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--c-gold-600);
  line-height: 1.2;
  white-space: nowrap;
}
.tnd-nav { display: none; align-items: stretch; gap: 0; }
@media (min-width: 1080px) { .tnd-nav { display: flex; } }
.tnd-nav__item {
  position: relative;
  display: flex;
  align-items: stretch;
}
.tnd-nav__link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 0 13px;
  border-radius: 0;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--c-ink-900);
  white-space: nowrap;
  box-shadow: inset 0 -2px 0 transparent;
  transition: background-color .15s ease, color .15s ease, box-shadow .15s ease;
}
.tnd-nav__item:hover > .tnd-nav__link,
.tnd-nav__item:focus-within > .tnd-nav__link,
.tnd-nav__link:hover {
  background: var(--c-bg-soft);
  color: var(--c-navy-900);
  box-shadow: inset 0 -2px 0 var(--c-gold-500);
}
.tnd-nav__dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 1px);
  left: 0;
  min-width: 268px;
  padding: 6px;
  background: var(--c-white);
  border: 1px solid var(--c-line);
  border-top: 0;
  border-radius: 0 0 6px 6px;
  box-shadow: 0 14px 28px rgba(13, 32, 57, .12);
  z-index: 100;
}
.tnd-nav__dropdown::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -4px;
  height: 4px;
}
.tnd-nav__item:hover .tnd-nav__dropdown,
.tnd-nav__item:focus-within .tnd-nav__dropdown { display: block; }
.tnd-nav__dropdown a {
  display: block;
  padding: 9px 12px;
  border-radius: 4px;
  font-size: 0.875rem;
  color: var(--c-ink-900);
}
.tnd-nav__dropdown a small {
  display: block;
  font-size: 0.75rem;
  color: var(--c-ink-400);
}
.tnd-nav__dropdown a:hover { background: var(--c-bg-soft); color: var(--c-navy-900); }

.tnd-header__actions { display: none; align-items: center; align-self: center; gap: 8px; flex: none; }
@media (min-width: 1080px) { .tnd-header__actions { display: flex; } }

.tnd-menu-toggle {
  display: inline-flex;
  align-items: center;
  align-self: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  border: 1px solid var(--c-line);
  background: var(--c-white);
  cursor: pointer;
}
@media (min-width: 1080px) { .tnd-menu-toggle { display: none; } }

.tnd-mobile-dialog {
  width: min(360px, 92vw);
  max-height: 92dvh;
  margin: auto;
  padding: 0;
  border: 1px solid var(--c-line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-3);
}
.tnd-mobile-dialog::backdrop { background: rgba(13, 32, 57, .55); backdrop-filter: blur(3px); }
.tnd-mobile-dialog__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--c-line);
}
.tnd-mobile-dialog__body { padding: 16px 20px 24px; display: grid; gap: 6px; }
.tnd-mobile-dialog__body a {
  display: block;
  padding: 10px 12px;
  border-radius: var(--r-sm);
  font-weight: 500;
}
.tnd-mobile-dialog__body a:hover { background: var(--c-bg-soft); }
.tnd-mobile-dialog__group {
  margin-top: 8px;
  padding-top: 10px;
  border-top: 1px solid var(--c-line);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--c-gold-600);
}

/* Pulse Dot for AI */
.tnd-pulse-dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--c-gold-500);
  box-shadow: 0 0 0 0 rgba(183, 145, 79, .65);
  animation: tnd-pulse 2s infinite;
}
@keyframes tnd-pulse {
  0% { box-shadow: 0 0 0 0 rgba(183, 145, 79, .65); }
  70% { box-shadow: 0 0 0 8px rgba(183, 145, 79, 0); }
  100% { box-shadow: 0 0 0 0 rgba(183, 145, 79, 0); }
}

/* Hero */
.tnd-hero {
  background: linear-gradient(135deg, var(--c-navy-900) 0%, var(--c-navy-700) 100%);
  color: var(--c-white);
  padding-block: 56px 64px;
}
.tnd-hero--compact { padding-block: 44px 48px; }
.tnd-hero__grid {
  display: grid;
  gap: 36px;
  align-items: center;
}
.tnd-hero__grid > * { min-width: 0; }
@media (min-width: 960px) {
  .tnd-hero__grid { grid-template-columns: minmax(0, 1.12fr) minmax(0, 0.88fr); gap: 48px; }
}
.tnd-hero h1 {
  font-family: var(--f-serif);
  font-size: var(--fs-display);
  line-height: 1.18;
  margin: 0 0 18px;
}
.tnd-hero--compact h1 { font-size: var(--fs-h1); }
.tnd-hero__lead {
  font-size: var(--fs-lead);
  color: #D7E1EC;
  margin: 0 0 26px;
  max-width: 640px;
}
.tnd-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.tnd-hero__trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, .14);
  font-size: var(--fs-small);
  color: #C4D0DC;
}
.tnd-partner-pill {
  padding: 5px 12px;
  border-radius: var(--r-sm);
  background: rgba(255, 255, 255, .09);
  border: 1px solid rgba(255, 255, 255, .18);
  color: var(--c-white);
  font-weight: 600;
}
.tnd-hero__visual { position: relative; min-width: 0; max-width: 100%; }
.tnd-hero__floating-ai {
  position: relative;
  margin-top: -28px;
  margin-inline: 16px;
  padding: 14px 18px;
  border-radius: var(--r-md);
  background: var(--c-white);
  color: var(--c-navy-900);
  box-shadow: var(--sh-3);
  border: 1px solid #E8D9BC;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.tnd-hero__floating-ai p { margin: 0; font-size: 0.875rem; }

/* Breadcrumb */
.tnd-breadcrumb {
  margin-bottom: 18px;
  font-size: var(--fs-small);
  color: var(--c-ink-400);
}
.tnd-hero .tnd-breadcrumb { color: #B8C7D6; }
.tnd-breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.tnd-breadcrumb li + li::before { content: "/"; margin-right: 8px; opacity: .6; }
.tnd-breadcrumb a:hover { text-decoration: underline; }

/* Cards */
.tnd-card {
  display: flex;
  flex-direction: column;
  padding: 24px;
  border-radius: var(--r-md);
  border: 1px solid var(--c-line);
  border-top: 3px solid transparent;
  background: var(--c-white);
  box-shadow: var(--sh-1);
  transition: transform .2s ease, box-shadow .2s ease, border-top-color .2s ease;
}
.tnd-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--sh-3);
  border-top-color: var(--c-gold-500);
}
.tnd-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: var(--c-gold-100);
  color: var(--c-gold-600);
  margin-bottom: 16px;
}
.tnd-card h3 {
  font-family: var(--f-serif);
  font-size: var(--fs-h3);
  line-height: 1.3;
  margin: 0 0 8px;
  color: var(--c-navy-900);
}
.tnd-card__sub {
  font-size: var(--fs-small);
  color: var(--c-ink-400);
  margin: -4px 0 12px;
}
.tnd-card p { margin: 0 0 14px; color: var(--c-ink-600); font-size: 0.9375rem; }
.tnd-card__list {
  margin: 0 0 18px;
  padding-left: 18px;
  color: var(--c-ink-600);
  font-size: 0.875rem;
  display: grid;
  gap: 6px;
}
.tnd-card__foot {
  margin-top: auto;
  padding-top: 14px;
  border-top: 1px solid var(--c-line);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  flex-wrap: wrap;
}

/* Stats */
.tnd-stat {
  padding: 24px;
  border-radius: var(--r-md);
  background: var(--c-white);
  border: 1px solid var(--c-line);
  text-align: center;
}
.tnd-stat__num {
  display: block;
  font-family: var(--f-serif);
  font-size: clamp(1.75rem, 1.3rem + 1.5vw, 2.5rem);
  font-weight: 700;
  color: var(--c-gold-600);
  line-height: 1.15;
  margin-bottom: 6px;
}
.tnd-stat__label { font-size: var(--fs-small); color: var(--c-ink-600); margin: 0; }

/* Steps (7-step process) */
.tnd-steps {
  display: grid;
  gap: 16px;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) { .tnd-steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .tnd-steps--7 { grid-template-columns: repeat(7, 1fr); gap: 12px; } }
.tnd-step {
  padding: 18px;
  border-radius: var(--r-md);
  background: var(--c-white);
  border: 1px solid var(--c-line);
}
.tnd-step__num {
  display: inline-block;
  font-family: var(--f-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--c-gold-600);
  margin-bottom: 6px;
}
.tnd-step h3 { font-size: 0.95rem; margin: 0 0 6px; color: var(--c-navy-900); }
.tnd-step p { font-size: 0.8125rem; color: var(--c-ink-600); margin: 0; }

/* Tables */
.tnd-table-wrap {
  width: 100%;
  overflow-x: auto;
  border: 1px solid var(--c-line);
  border-radius: var(--r-md);
  background: var(--c-white);
}
.tnd-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  font-variant-numeric: tabular-nums;
}
.tnd-table th, .tnd-table td {
  padding: 13px 16px;
  text-align: left;
  border-bottom: 1px solid var(--c-line);
  vertical-align: top;
}
.tnd-table th {
  background: var(--c-navy-900);
  color: var(--c-white);
  font-weight: 600;
  white-space: nowrap;
}
.tnd-table tr:last-child td { border-bottom: 0; }
.tnd-table tbody tr:nth-child(even) { background: var(--c-bg-soft); }

/* Callout & Answer-First Box */
.tnd-callout {
  padding: 18px 22px;
  border-radius: var(--r-md);
  border-left: 4px solid var(--c-gold-500);
  background: var(--c-gold-100);
  margin-block: 20px;
}
.tnd-callout--info { border-left-color: var(--c-info); background: #EFF5FB; }
.tnd-callout--legal { border-left-color: var(--c-navy-900); background: var(--c-bg-soft); }
.tnd-callout--warning { border-left-color: var(--c-warning); background: #FEF6E7; }
.tnd-callout h3, .tnd-callout strong { color: var(--c-navy-900); }
.tnd-callout p:last-child { margin-bottom: 0; }

/* Tabs */
.tnd-tabs__list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  border-bottom: 1px solid var(--c-line);
  padding-bottom: 12px;
  margin-bottom: 24px;
}
.tnd-tabs__btn {
  min-height: 40px;
  padding: 8px 16px;
  border-radius: var(--r-pill);
  border: 1px solid var(--c-line);
  background: var(--c-white);
  font-size: var(--fs-small);
  font-weight: 600;
  cursor: pointer;
}
.tnd-tabs__btn[aria-selected="true"] {
  background: var(--c-navy-900);
  border-color: var(--c-navy-900);
  color: var(--c-white);
}
.tnd-tabs__panel[hidden] { display: none; }

/* FAQ Accordion */
.tnd-faq-list { display: grid; gap: 12px; }
.tnd-faq {
  border: 1px solid var(--c-line);
  border-radius: var(--r-md);
  background: var(--c-white);
  overflow: hidden;
}
.tnd-faq summary {
  list-style: none;
  padding: 16px 20px;
  font-weight: 600;
  color: var(--c-navy-900);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.tnd-faq summary::-webkit-details-marker { display: none; }
.tnd-faq summary::after { content: "+"; font-size: 1.25rem; color: var(--c-gold-600); flex: none; }
.tnd-faq[open] summary::after { content: "−"; }
.tnd-faq__body {
  padding: 0 20px 18px;
  color: var(--c-ink-600);
  font-size: 0.9375rem;
  border-top: 1px solid var(--c-bg-soft);
}

/* Forms */
.tnd-form { display: grid; gap: 16px; }
.tnd-form__row { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .tnd-form__row--2 { grid-template-columns: repeat(2, 1fr); } }
.tnd-field { display: grid; gap: 6px; }
.tnd-field label { font-size: var(--fs-small); font-weight: 600; color: var(--c-navy-900); }
.tnd-field input[type="text"],
.tnd-field input[type="tel"],
.tnd-field input[type="email"],
.tnd-field select,
.tnd-field textarea {
  width: 100%;
  min-height: 44px;
  padding: 10px 14px;
  border: 1px solid var(--c-line);
  border-radius: var(--r-sm);
  background: var(--c-white);
  color: var(--c-ink-900);
}
.tnd-field textarea { min-height: 104px; resize: vertical; }
.tnd-field__error { font-size: 0.8125rem; color: var(--c-danger); margin: 0; }
.tnd-check-group { display: flex; flex-wrap: wrap; gap: 12px 18px; }
.tnd-check { display: inline-flex; align-items: flex-start; gap: 8px; font-size: var(--fs-small); cursor: pointer; }
.tnd-check input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--c-navy-900); }
.tnd-honeypot { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }

/* AI Chat Box & Floating Widget */
.tnd-chat-box {
  border: 1px solid rgba(226, 191, 132, .6);
  border-radius: var(--r-lg);
  background: var(--c-white);
  color: var(--c-ink-900);
  box-shadow: var(--sh-3);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.tnd-chat-box__head {
  background: var(--c-navy-800);
  color: var(--c-white);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.tnd-chat-box__title { display: flex; align-items: center; gap: 10px; font-weight: 600; }
.tnd-chat-box__messages {
  padding: 16px;
  display: grid;
  gap: 12px;
  max-height: 360px;
  overflow-y: auto;
  background: var(--c-bg-soft);
}
.tnd-chat-msg {
  padding: 12px 14px;
  border-radius: var(--r-md);
  font-size: 0.875rem;
  line-height: 1.55;
  max-width: 92%;
}
.tnd-chat-msg--ai { background: var(--c-white); border: 1px solid var(--c-line); justify-self: start; }
.tnd-chat-msg--user { background: var(--c-navy-900); color: var(--c-white); justify-self: end; }
.tnd-chat-msg__source { margin-top: 8px; padding-top: 6px; border-top: 1px solid var(--c-line); font-size: 0.75rem; color: var(--c-ink-400); }
.tnd-chat-msg__warn { margin-top: 6px; padding: 6px 10px; border-radius: var(--r-sm); background: #FEF6E7; color: var(--c-warning); font-size: 0.75rem; }
.tnd-chat-box__input {
  display: flex;
  gap: 8px;
  padding: 12px;
  border-top: 1px solid var(--c-line);
  background: var(--c-white);
}
.tnd-chat-box__input input {
  flex: 1;
  min-width: 0;
  min-height: 40px;
  padding: 8px 12px;
  border: 1px solid var(--c-line);
  border-radius: var(--r-pill);
}
.tnd-chat-box__foot {
  padding: 6px 14px 10px;
  font-size: 0.72rem;
  color: var(--c-ink-400);
  background: var(--c-white);
}

.tnd-chat-launcher {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 120;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-height: 52px;
  padding: 0 18px;
  border-radius: var(--r-pill);
  border: 1px solid rgba(226, 191, 132, .5);
  background: var(--c-navy-900);
  color: var(--c-white);
  box-shadow: var(--sh-3);
  cursor: pointer;
  font-weight: 600;
  font-size: 0.875rem;
}
.tnd-chat-panel {
  position: fixed;
  right: 20px;
  bottom: 84px;
  width: min(400px, calc(100vw - 24px));
  z-index: 130;
}
.tnd-chat-panel[hidden] { display: none; }
@media (max-width: 767px) {
  .tnd-chat-launcher { bottom: 70px; right: 14px; }
  .tnd-chat-panel { right: 12px; bottom: 130px; }
}

/* Sticky Sidebar & TOC */
.tnd-sticky-aside { position: sticky; top: 96px; display: grid; gap: 20px; }
.tnd-toc { padding: 18px; border: 1px solid var(--c-line); border-radius: var(--r-md); background: var(--c-bg-soft); }
.tnd-toc h2 { font-size: 0.875rem; text-transform: uppercase; letter-spacing: .05em; margin: 0 0 10px; color: var(--c-navy-900); }
.tnd-toc ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; font-size: 0.875rem; }
.tnd-toc a:hover { color: var(--c-gold-600); text-decoration: underline; }

/* Prose */
.tnd-prose h2 { font-family: var(--f-serif); font-size: var(--fs-h2); margin: 36px 0 12px; color: var(--c-navy-900); }
.tnd-prose h3 { font-family: var(--f-serif); font-size: var(--fs-h3); margin: 24px 0 8px; color: var(--c-navy-900); }
.tnd-prose ul, .tnd-prose ol { padding-left: 20px; color: var(--c-ink-600); }
.tnd-prose li { margin-bottom: 6px; }

/* Letter (Thư ngỏ) */
.tnd-letter {
  padding: 32px;
  border-radius: var(--r-lg);
  background: var(--c-white);
  border: 1px solid var(--c-line);
  box-shadow: var(--sh-2);
}
.tnd-letter__salutation { font-family: var(--f-serif); font-style: italic; font-size: 1.15rem; color: var(--c-navy-900); }
.tnd-letter__sign { margin-top: 24px; font-family: var(--f-serif); font-weight: 700; color: var(--c-navy-900); }

/* Footer */
.tnd-footer {
  background: var(--c-navy-900);
  color: #CBD6E2;
  padding-top: 64px;
  padding-bottom: 84px;
}
@media (min-width: 768px) { .tnd-footer { padding-bottom: 36px; } }
.tnd-footer__grid {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
}
@media (min-width: 768px) { .tnd-footer__grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.tnd-footer h2 { font-size: 0.9375rem; color: var(--c-gold-300); margin: 0 0 14px; }
.tnd-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; font-size: 0.875rem; }
.tnd-footer a:hover { color: var(--c-white); text-decoration: underline; }
.tnd-footer__disclosure {
  padding-block: 20px;
  font-size: 0.8125rem;
  color: #9FB0C2;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.tnd-footer__bottom {
  padding-top: 18px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.8125rem;
  color: #9FB0C2;
}

/* Mobile Sticky Bottom CTA Bar */
.tnd-mobile-cta {
  position: fixed;
  inset-inline: 0;
  bottom: 0;
  z-index: 110;
  width: 100%;
  max-width: 100vw;
  box-sizing: border-box;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 6px;
  padding: 8px 10px;
  background: var(--c-white);
  border-top: 1px solid var(--c-line);
  box-shadow: 0 -4px 16px rgba(13, 32, 57, .08);
}
@media (min-width: 768px) { .tnd-mobile-cta { display: none; } }
.tnd-mobile-cta a, .tnd-mobile-cta button {
  min-height: 42px;
  border-radius: var(--r-sm);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8125rem;
  font-weight: 600;
  border: 1px solid var(--c-line);
  background: var(--c-bg-soft);
  color: var(--c-navy-900);
}
.tnd-mobile-cta .is-primary {
  background: var(--c-gold-500);
  border-color: var(--c-gold-500);
  color: var(--c-navy-900);
}

/* Cookie Consent */
.tnd-cookie {
  position: fixed;
  left: 16px;
  bottom: 16px;
  z-index: 125;
  max-width: 420px;
  padding: 16px 18px;
  border-radius: var(--r-md);
  background: var(--c-white);
  border: 1px solid var(--c-line);
  box-shadow: var(--sh-3);
  font-size: 0.8125rem;
}
.tnd-cookie[hidden] { display: none; }
.tnd-cookie__actions { display: flex; gap: 8px; margin-top: 12px; }
@media (max-width: 767px) { .tnd-cookie { bottom: 68px; right: 16px; } }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .tnd-pulse-dot { animation: none; }
  .tnd-card, .tnd-btn { transition: none; }
}