/* PTI student insurance — brand-led, mobile-first. */
:root{
  --blue:#00377b;
  --blue-2:#0e4e96;
  --blue-3:#082e5c;
  --orange:#f58220;
  --orange-2:#dc6c12;
  --sky:#f0f6fe;
  --cream:#fff7ed;
  --ink:#172840;
  --muted:#5f6f82;
  --line:#d8e3ef;
  --white:#fff;
  --ok:#16845b;
  --danger:#a72a2a;
  --shadow:0 18px 48px rgba(0,55,123,.12);
  --shadow-sm:0 5px 18px rgba(0,55,123,.07);
  --r-sm:10px;
  --r-md:16px;
  --r-lg:22px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Mulish",system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.55;font-size:16px}
[hidden]{display:none!important}
img{display:block;max-width:100%}
a{color:inherit}
button,input{font:inherit}
button,a{-webkit-tap-highlight-color:transparent}
svg{display:block}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding-inline:18px}

/* Header */
.site-head{position:sticky;top:0;z-index:20;background:rgba(240,246,254,.97);border-bottom:1px solid #ccd9e8;box-shadow:0 3px 14px rgba(0,55,123,.05)}
.head-in{height:70px;display:flex;align-items:center;justify-content:space-between;gap:14px}
.brand{display:block;flex:none;border-radius:8px}
.brand img{width:143px;height:auto}
.head-cta{min-height:44px;display:inline-flex;align-items:center;justify-content:center;padding:10px 15px;border-radius:10px;background:var(--blue);color:var(--white);text-decoration:none;font-size:13.5px;font-weight:800;white-space:nowrap;transition:background .16s ease,box-shadow .16s ease}
.head-cta:hover{background:var(--blue-2);box-shadow:var(--shadow-sm)}
.brand:focus-visible,.head-cta:focus-visible,.hero-cta:focus-visible,.rule-box a:focus-visible,.site-foot a:focus-visible,.link-btn:focus-visible,.copy:focus-visible{outline:3px solid rgba(245,130,32,.4);outline-offset:3px}

/* Hero */
.hero{position:relative;overflow:hidden;background:var(--sky);border-bottom:1px solid #dce7f3;padding:28px 0 34px}
.hero::after{content:"";position:absolute;right:-92px;top:108px;width:210px;height:210px;border:36px solid rgba(245,130,32,.10);border-radius:50%;pointer-events:none}
.hero-in{position:relative;z-index:1;display:grid;grid-template-columns:1fr;gap:24px}
.hero-copy{min-width:0}
.eyebrow{display:inline-flex;align-items:center;gap:7px;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.055em;text-transform:uppercase}
.eyebrow svg{width:20px;height:20px;fill:none;stroke:var(--orange);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.hero-copy h1{max-width:680px;margin:12px 0 10px;color:var(--blue);font-size:clamp(31px,8.2vw,46px);line-height:1.12;letter-spacing:-.025em;font-weight:800}
.lead{max-width:620px;margin:0;color:#41546c;font-size:16px}
.hero-price{display:flex;align-items:baseline;gap:8px;width:max-content;max-width:100%;margin:20px 0 16px;padding:10px 14px;background:var(--white);border:1px solid #cfdeed;border-left:4px solid var(--orange);border-radius:var(--r-sm);box-shadow:var(--shadow-sm)}
.hero-price span{font-size:12px;text-transform:uppercase;letter-spacing:.065em;color:var(--muted);font-weight:800}
.hero-price strong{color:var(--orange-2);font-size:24px;line-height:1;font-weight:800}
.hero-price small{color:var(--muted);font-weight:600}
.hero-cta{min-height:50px;display:inline-flex;align-items:center;justify-content:center;gap:10px;width:100%;padding:13px 16px;border-radius:12px;background:var(--blue);color:var(--white);text-decoration:none;font-size:15px;font-weight:800;box-shadow:0 8px 22px rgba(0,55,123,.20);transition:background .16s ease,transform .16s ease}
.hero-cta:hover{background:var(--blue-2);transform:translateY(-1px)}
.hero-cta svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.protection-note{display:grid;grid-template-columns:102px 1fr;align-items:center;gap:10px;margin-top:20px;padding:12px 14px 12px 5px;background:var(--cream);border:1px solid #f2d9be;border-radius:var(--r-md)}
.protection-note img{width:106px;height:auto}
.protection-note strong{display:block;color:var(--blue);font-size:13.5px;line-height:1.35}
.protection-note ul{list-style:none;margin:7px 0 0;padding:0;display:grid;gap:4px}
.protection-note li{position:relative;padding-left:15px;color:#59687a;font-size:12px;line-height:1.35}
.protection-note li::before{content:"";position:absolute;left:0;top:.48em;width:6px;height:6px;border-radius:50%;background:var(--orange)}

/* Form card */
.hero-form{min-width:0;scroll-margin-top:86px}
.card{position:relative;background:var(--white);border:1px solid #cfdeed;border-top:4px solid var(--orange);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:20px;overflow:hidden}
#dang-ky,#view-pay{scroll-margin-top:88px}
.step-label{display:block;margin-bottom:5px;color:var(--orange-2);font-size:11px;font-weight:800;letter-spacing:.07em;text-transform:uppercase}
.card-head h2{margin:0 0 3px;color:var(--blue);font-size:24px;line-height:1.2}
.card-head p{margin:0 0 17px;color:var(--muted);font-size:13.5px}
.req,.fld i{color:var(--orange-2);font-style:normal}
.grid2{display:grid;grid-template-columns:1fr;gap:12px}
.fld{display:flex;min-width:0;flex-direction:column;gap:6px}
.fld span{color:#31445d;font-size:13px;font-weight:700}
.fld input{width:100%;min-height:48px;padding:11px 13px;border:1px solid #c5d4e4;border-radius:10px;background:#fff;color:var(--ink);font-size:15px;outline:none;transition:border-color .16s ease,box-shadow .16s ease}
.fld input::placeholder{color:#98a6b6}
.fld input:focus{border-color:var(--blue-2);box-shadow:0 0 0 3px rgba(14,78,150,.13)}
.consent{display:flex;align-items:flex-start;gap:10px;margin:15px 0 3px;color:var(--muted);font-size:12.5px;line-height:1.45}
.consent input{width:18px;height:18px;margin:1px 0 0;accent-color:var(--blue);flex:none}
.consent a{color:var(--blue);font-weight:700;text-underline-offset:2px}
.err{margin:11px 0 0;padding:11px 13px;border:1px solid #efb7b7;border-radius:10px;background:#fff1f1;color:var(--danger);font-size:13.5px}
.btn-primary{width:100%;min-height:52px;margin-top:15px;padding:13px 14px;border:0;border-radius:11px;background:var(--blue);color:var(--white);font-size:15.5px;font-weight:800;cursor:pointer;box-shadow:0 8px 20px rgba(0,55,123,.19);transition:background .16s ease,transform .16s ease}
.btn-primary:hover{background:var(--blue-2);transform:translateY(-1px)}
.btn-primary:focus-visible{outline:3px solid rgba(245,130,32,.42);outline-offset:3px}
.btn-primary:disabled{background:#91a0b2;box-shadow:none;cursor:not-allowed;transform:none}
.assure{display:flex;align-items:center;justify-content:center;gap:6px;margin:11px 0 0;color:var(--muted);font-size:11.5px;text-align:center}
.assure svg{width:17px;height:17px;fill:none;stroke:var(--orange-2);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
.assure b{color:var(--ink)}

/* Benefits */
.benefit-section{padding:50px 0;background:var(--white)}
.section-head{max-width:720px;margin-bottom:22px}
.section-kicker{display:block;margin-bottom:6px;color:var(--orange-2);font-size:12px;font-weight:800;letter-spacing:.075em;text-transform:uppercase}
.section-head h2{margin:0 0 8px;color:var(--blue);font-size:clamp(28px,7vw,38px);line-height:1.17;letter-spacing:-.02em}
.section-head p{margin:0;color:var(--muted)}
.benefit-groups{display:grid;grid-template-columns:1fr;gap:16px}
.benefit-group{overflow:hidden;border:1px solid var(--line);border-radius:var(--r-md);background:var(--white);box-shadow:var(--shadow-sm)}
.benefit-group.treatment{border-top:4px solid var(--blue)}
.benefit-group.serious{border-top:4px solid var(--orange)}
.benefit-group-head{display:flex;align-items:center;gap:11px;padding:16px 16px 13px;background:var(--sky);border-bottom:1px solid var(--line)}
.serious .benefit-group-head{background:var(--cream)}
.benefit-group-icon{width:40px;height:40px;display:grid;place-items:center;flex:none;border-radius:10px;background:var(--blue);color:var(--white)}
.serious .benefit-group-icon{background:var(--orange);color:var(--blue-3)}
.benefit-group-icon svg{width:23px;height:23px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.benefit-group-head h3{margin:0;color:var(--blue);font-size:17px;line-height:1.3}
.benefit-list{list-style:none;margin:0;padding:0 16px}
.benefit-item{display:grid;grid-template-columns:1fr;gap:4px;padding:15px 0;border-bottom:1px solid #e8eef5}
.benefit-item:last-child{border-bottom:0}
.benefit-amount{color:var(--blue);font-size:17px;font-weight:800;line-height:1.25}
.serious .benefit-amount{color:#b9550d}
.benefit-copy{display:flex;align-items:flex-start;gap:8px;color:#405168;font-size:13.5px;line-height:1.45}
.benefit-code{min-width:27px;height:24px;display:inline-grid;place-items:center;border-radius:6px;background:#edf3fa;color:var(--blue);font-size:11px;font-weight:800;flex:none}
.serious .benefit-code{background:#fff0df;color:#a94b09}
.rule-box{display:grid;grid-template-columns:34px 1fr;gap:3px 10px;margin-top:18px;padding:15px;border:1px solid var(--line);border-radius:var(--r-md);background:#f8fafc;color:var(--muted);font-size:12.5px}
.rule-box>svg{grid-row:1/3;width:28px;height:28px;fill:none;stroke:var(--blue);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.rule-box p{margin:0}
.rule-box a{width:max-content;max-width:100%;display:inline-flex;align-items:center;gap:5px;color:var(--blue);font-weight:800;text-decoration:none;border-bottom:1px solid rgba(0,55,123,.28)}
.rule-box a svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* Trust */
.trust{background:var(--blue);color:var(--white)}
.trust-in{display:grid;grid-template-columns:1fr;gap:20px;padding-block:28px}
.t-item{display:flex;align-items:flex-start;gap:12px}
.t-icon{width:42px;height:42px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.22);border-radius:11px;background:rgba(255,255,255,.09);color:#ffad65;flex:none}
.t-icon svg{width:23px;height:23px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.t-item div{display:flex;flex-direction:column;gap:3px}
.t-item b{font-size:14.5px}
.t-item div>span{color:#ccdaeb;font-size:12.5px}

/* Payment */
.pay-head{text-align:center;margin-bottom:8px}
.badge-ok{width:64px;height:64px;display:grid;place-items:center;margin:0 auto 12px;color:var(--white)}
.badge-ok svg{width:64px;height:64px;fill:var(--ok);stroke:var(--white);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;filter:drop-shadow(0 7px 12px rgba(22,132,91,.18));animation:shield-reveal .46s cubic-bezier(.2,.8,.2,1) both}
.pay-head h2{margin:0 0 5px;color:var(--blue);font-size:21px;line-height:1.3}
.pay-head p{margin:0;color:var(--muted);font-size:14px}
.paid-banner{display:flex;align-items:center;justify-content:center;gap:7px;margin:15px 0;padding:12px;border:1px solid #add9c5;border-radius:11px;background:#eaf8f1;color:#116440;font-size:13.5px;font-weight:800;text-align:center}
.paid-banner svg,.ok-dot svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.pay-grid{display:grid;gap:18px;margin:17px 0}
.qr-wrap{text-align:center}
.qr{width:226px;height:226px;margin:0 auto;border:1px solid var(--line);border-radius:12px;background:var(--white)}
.qr-cap{display:block;margin-top:8px;color:var(--muted);font-size:12px}
.pay-info{display:grid;gap:0;margin:0;min-width:0}
.pi-row{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid #e9eff5;font-size:13.5px}
.pi-row dt{margin:0;color:var(--muted)}
.pi-row dd{margin:0;color:var(--ink);font-weight:700;text-align:right;overflow-wrap:anywhere}
.pi-row dd.mono{font-family:ui-monospace,Menlo,Consolas,monospace}
.pay-note{margin-top:12px;padding:12px;border:1px solid #efd2ad;border-radius:11px;background:var(--cream)}
.pn-head{display:flex;align-items:center;justify-content:space-between;gap:10px}
.pn-head span{color:#995016;font-size:11px;font-weight:800;letter-spacing:.055em;text-transform:uppercase}
.pn-code{margin-top:5px;color:var(--blue);font-family:ui-monospace,Menlo,Consolas,monospace;font-size:20px;font-weight:800;letter-spacing:.04em;overflow-wrap:anywhere}
.copy{min-height:36px;display:inline-flex;align-items:center;justify-content:center;gap:5px;padding:5px 10px;border:1px solid #dfbd91;border-radius:8px;background:var(--white);color:#87430f;font-size:12px;font-weight:800;cursor:pointer}
.copy svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.copy.mini{min-width:36px;margin-left:3px;padding:5px;border-color:transparent;background:transparent;color:var(--blue)}
.steps{counter-reset:s;display:grid;gap:9px;margin:15px 0;padding:0;list-style:none}
.steps li{position:relative;padding-left:32px;color:var(--muted);font-size:13px}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:22px;height:22px;display:grid;place-items:center;border-radius:50%;background:var(--blue);color:var(--white);font-size:11px;font-weight:800}
.waiting{display:flex;align-items:center;justify-content:center;gap:9px;padding:12px;border-radius:11px;background:var(--sky);color:var(--muted);font-size:13.5px;font-weight:700}
.spin{width:16px;height:16px;border:2.5px solid #cad7e5;border-top-color:var(--orange);border-radius:50%;animation:spin .8s linear infinite}
.ok-dot{display:inline-flex;color:var(--ok)}
.support{display:block;min-height:44px;margin-top:10px;padding:11px;border:1px solid var(--line);border-radius:11px;color:var(--blue);font-size:14px;font-weight:700;text-align:center;text-decoration:none}
.link-btn{min-height:44px;display:flex;align-items:center;justify-content:center;gap:6px;margin:12px auto 0;padding:8px 12px;border:0;background:none;color:var(--blue);font-size:13.5px;font-weight:800;cursor:pointer}
.link-btn svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.mock-note{margin:8px 0 0;color:var(--muted);font-size:11.5px;text-align:center;font-style:italic}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes shield-reveal{from{opacity:0;transform:scale(.72) rotate(-4deg)}to{opacity:1;transform:scale(1) rotate(0)}}

/* Footer */
.site-foot{padding:27px 0;background:var(--blue-3);color:#d9e5f1}
.foot-in{display:grid;gap:17px}
.foot-brand{display:block;width:max-content}
.foot-brand img{width:145px;height:auto}
.site-foot p{margin:2px 0}
.site-foot strong{font-size:14px}
.site-foot .mini{color:#afc1d5;font-size:12px}
.site-foot a{color:#fff;text-underline-offset:3px}
.site-foot .disc{align-self:end}
#mock-flag{display:inline-flex;align-items:flex-start;gap:7px}
#mock-flag i{width:8px;height:8px;margin-top:.42em;border-radius:50%;background:#ffad65;flex:none}

@media (min-width:560px){
  .wrap{padding-inline:24px}
  .hero-cta{width:max-content;max-width:100%;padding-inline:21px}
  .protection-note{grid-template-columns:126px 1fr;padding-right:20px}
  .protection-note img{width:128px}
  .protection-note strong{font-size:14px}
  .protection-note li{font-size:12.5px}
  .grid2{grid-template-columns:1fr 1fr}
  .fld.col2{grid-column:1/-1}
  .benefit-item{grid-template-columns:190px 1fr;align-items:start;gap:18px}
  .rule-box{grid-template-columns:38px 1fr auto;align-items:center}
  .rule-box>svg{grid-row:auto}
  .rule-box a{white-space:nowrap}
}

@media (min-width:760px){
  .head-in{height:76px}
  .brand img{width:160px}
  .head-cta{padding-inline:20px;font-size:14px}
  .hero{padding:40px 0 44px}
  .hero-copy h1{font-size:44px}
  .hero-copy{max-width:680px}
  .card{padding:26px}
  .benefit-section{padding:66px 0}
  .benefit-groups{grid-template-columns:1fr 1fr;align-items:start}
  .benefit-item{grid-template-columns:1fr;gap:5px}
  .trust-in{grid-template-columns:repeat(3,1fr);gap:25px;padding-block:32px}
  .pay-grid{grid-template-columns:auto 1fr;align-items:center}
  .foot-in{grid-template-columns:170px 1fr auto;align-items:center}
  .foot-brand img{width:155px}
  .site-foot .disc{text-align:right;max-width:290px}
}

@media (min-width:980px){
  .hero{padding:56px 0 58px}
  .hero-in{grid-template-columns:minmax(0,1.06fr) minmax(430px,.94fr);align-items:start;gap:52px}
  .hero-copy{padding-top:14px}
  .hero-copy h1{font-size:51px}
  .lead{font-size:18px}
  .hero-price{margin-top:24px}
  .protection-note{max-width:540px;margin-top:26px}
  .card{padding:28px}
  .benefit-item{grid-template-columns:190px 1fr;gap:18px}
}

@media (max-width:390px){
  .wrap{padding-inline:15px}
  .brand img{width:124px}
  .head-cta{padding-inline:12px;font-size:12.5px}
  .hero-copy h1{font-size:30px}
  .hero-price strong{font-size:22px}
  .hero-price small{font-size:12px}
  .protection-note{grid-template-columns:86px 1fr;padding-left:4px}
  .protection-note img{width:90px}
  .card{padding:18px 15px}
  .btn-primary{font-size:14.5px}
  .qr{width:214px;height:214px}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}