/* =========================================================
   KUALSINTAN — Portal Informasi Kredit Usaha Alsintan
   Design system: forest green / sage / harvest gold
   ========================================================= */
:root{
  --primary:#17683B;
  --primary-600:#135a33;
  --dark:#103D2B;
  --darker:#0a2a1d;
  --sage:#E6EEDC;
  --sage-2:#f0f5ea;
  --gold:#D9A441;
  --gold-soft:#f4e3bd;
  --bg:#F8FAF7;
  --white:#ffffff;
  --text:#20332A;
  --muted:#53665c;
  --border:#DFE8DF;
  --danger:#a63d2f;
  --radius:18px;
  --radius-sm:12px;
  --radius-lg:28px;
  --shadow-sm:0 1px 2px rgba(16,61,43,.06),0 2px 8px rgba(16,61,43,.05);
  --shadow:0 2px 6px rgba(16,61,43,.06),0 14px 34px rgba(16,61,43,.09);
  --shadow-lg:0 30px 60px -20px rgba(16,61,43,.35);
  --ff-head:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --ff-body:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --container:1200px;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--ff-body);font-size:17px;line-height:1.7;color:var(--text);background:var(--bg);overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--ff-head);color:var(--dark);line-height:1.18;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.7rem)}
h2{font-size:clamp(1.65rem,3vw,2.5rem)}
h3{font-size:clamp(1.15rem,1.6vw,1.35rem)}
p{margin:0 0 1em}
a{color:var(--primary);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--dark)}
ul,ol{padding-left:1.25em}
svg{display:block;max-width:100%}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:var(--dark);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}
.skip:focus{left:12px}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.section{padding:clamp(64px,8vw,110px) 0;position:relative}
.section--sage{background:var(--sage)}
.section--white{background:var(--white)}
.section--dark{background:linear-gradient(160deg,var(--dark),var(--darker));color:#dfeadf}
.section--dark h2,.section--dark h3{color:#fff}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--primary);margin-bottom:14px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);border-radius:2px}
.section--dark .eyebrow{color:var(--gold)}
.lead{font-size:1.13rem;color:var(--muted);max-width:68ch}
.section--dark .lead{color:#bcd0c2}
.head{max-width:760px;margin-bottom:48px}
.head.center{margin-left:auto;margin-right:auto;text-align:center}
.head.center .eyebrow{justify-content:center}
.head.center .lead{margin-left:auto;margin-right:auto}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 24px;border-radius:999px;font-weight:650;font-size:.98rem;text-decoration:none;border:2px solid transparent;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s;cursor:pointer;font-family:inherit;line-height:1.2}
.btn svg{width:18px;height:18px}
.btn--gold{background:var(--gold);color:var(--darker)}
.btn--gold:hover{color:var(--darker);transform:translateY(-2px);box-shadow:0 12px 26px -8px rgba(217,164,65,.7)}
.btn--green{background:var(--primary);color:#fff}
.btn--green:hover{color:#fff;background:var(--dark);transform:translateY(-2px);box-shadow:0 12px 26px -10px rgba(23,104,59,.7)}
.btn--ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn--ghost:hover{color:#fff;border-color:var(--gold);background:rgba(255,255,255,.06)}
.btn--line{border-color:var(--primary);color:var(--primary);background:transparent}
.btn--line:hover{background:var(--primary);color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}

/* ---------- Header ---------- */
.topbar{background:var(--darker);color:#a9c2b1;font-size:.82rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px}
.topbar strong{color:var(--gold);font-weight:600}
.site-header{position:sticky;top:0;z-index:100;background:rgba(248,250,247,.86);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s}
.site-header.scrolled{border-color:var(--border);box-shadow:0 8px 24px -16px rgba(16,61,43,.35)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--dark)}
.brand svg{width:44px;height:44px;flex:none}
.brand b{font-family:var(--ff-head);font-size:1.32rem;letter-spacing:.04em;display:block;line-height:1}
.brand small{display:block;font-size:.7rem;color:var(--muted);letter-spacing:.06em;margin-top:4px}
.menu{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.menu a{display:block;padding:9px 13px;border-radius:999px;text-decoration:none;color:var(--text);font-size:.93rem;font-weight:550;transition:background .2s,color .2s}
.menu a:hover{background:var(--sage);color:var(--dark)}
.menu a[aria-current="page"]{background:var(--dark);color:#fff}
.has-sub{position:relative}
.has-sub>button{display:flex;align-items:center;gap:6px;background:none;border:0;padding:9px 13px;border-radius:999px;font:inherit;font-size:.93rem;font-weight:550;color:var(--text);cursor:pointer}
.has-sub>button:hover,.has-sub.open>button{background:var(--sage)}
.has-sub>button.active{background:var(--dark);color:#fff}
.has-sub>button svg{width:12px;height:12px;transition:transform .25s}
.has-sub.open>button svg{transform:rotate(180deg)}
.sub{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,8px);min-width:270px;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);padding:8px;list-style:none;margin:0;opacity:0;visibility:hidden;transition:.22s var(--ease)}
.has-sub.open .sub{opacity:1;visibility:visible;transform:translate(-50%,0)}
.sub a{border-radius:10px;padding:10px 14px}
.sub a span{display:block;font-size:.78rem;color:var(--muted);font-weight:400}
.sub a[aria-current="page"] span{color:#cfe0d4}
.nav-cta{margin-left:8px}
.burger{display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--border);background:#fff;cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:var(--dark);border-radius:2px;position:relative;transition:.3s}
.burger span::before,.burger span::after{content:"";position:absolute;left:0}
.burger span::before{top:-6px}.burger span::after{top:6px}
.burger[aria-expanded="true"] span{background:transparent}
.burger[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.burger[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

/* ---------- Hero (home) ---------- */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 600px at 85% -10%,rgba(217,164,65,.28),transparent 60%),linear-gradient(155deg,#0d3324 0%,var(--dark) 45%,var(--primary) 130%);color:#dfeadf;padding:clamp(70px,9vw,120px) 0 clamp(90px,10vw,140px)}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(180deg,#000 10%,transparent 85%);-webkit-mask-image:linear-gradient(180deg,#000 10%,transparent 85%);pointer-events:none}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold);position:relative}
.hero .lead{color:#c2d6c8;font-size:1.18rem}
.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:7px 16px 7px 8px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);font-size:.86rem;margin-bottom:24px;color:#e7efe8}
.hero-badge i{width:26px;height:26px;border-radius:50%;background:var(--gold);display:grid;place-items:center;font-style:normal;color:var(--darker);font-weight:800;font-size:.8rem}
.hero-art{position:relative}
.hero-art .frame{position:relative;border-radius:32px;background:linear-gradient(180deg,rgba(255,255,255,.1),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.14);padding:18px;box-shadow:var(--shadow-lg)}
.float-card{position:absolute;background:#fff;color:var(--text);border-radius:16px;padding:14px 18px;box-shadow:var(--shadow);font-size:.86rem;line-height:1.35;animation:bob 6s ease-in-out infinite}
.float-card b{display:block;font-family:var(--ff-head);font-size:1.15rem;color:var(--dark)}
.float-card.a{left:-26px;bottom:42px}
.float-card.b{right:-14px;top:30px;animation-delay:-3s}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.orb{position:absolute;border-radius:50%;filter:blur(60px);opacity:.55;pointer-events:none;z-index:1}
.orb.g1{width:380px;height:380px;background:#2b8a52;left:-120px;bottom:-140px}
.orb.g2{width:260px;height:260px;background:var(--gold);right:8%;top:-120px;opacity:.28}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:44px;border-top:1px solid rgba(255,255,255,.14);padding-top:26px}
.hero-stats div{padding-right:14px}
.hero-stats b{font-family:var(--ff-head);font-size:2rem;color:#fff;display:block;line-height:1.1}
.hero-stats span{font-size:.82rem;color:#a9c2b1}
.stat-note{font-size:.78rem;color:#8fae9b;margin-top:12px}

/* ---------- Page hero (internal) ---------- */
.page-hero{position:relative;overflow:hidden;color:#dfeadf;padding:52px 0 70px;background:linear-gradient(140deg,var(--darker),var(--dark) 55%,#1d6e43)}
.page-hero::before{content:"";position:absolute;right:-80px;top:-80px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(217,164,65,.12)}
.page-hero::after{content:"";position:absolute;inset:auto 0 0 0;height:60px;background:radial-gradient(60% 100% at 50% 100%,rgba(230,238,220,.12),transparent)}
.page-hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.4fr .6fr;gap:40px;align-items:center}
.page-hero h1{color:#fff;font-size:clamp(1.95rem,4vw,3.1rem)}
.page-hero .lead{color:#c2d6c8}
.page-hero .ph-icon{justify-self:end;width:min(240px,100%);aspect-ratio:1;border-radius:36px;background:linear-gradient(160deg,rgba(255,255,255,.12),rgba(255,255,255,.02));border:1px solid rgba(255,255,255,.14);display:grid;place-items:center;padding:30px}
.page-hero .ph-icon svg{width:100%;height:auto}
.page-hero--gold{background:linear-gradient(140deg,#2a2412,#4a3a14 40%,var(--dark))}
.page-hero--sage{background:linear-gradient(140deg,var(--dark),#24714a 70%,#5e8f53)}
.crumbs{margin-bottom:22px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;font-size:.86rem}
.crumbs li{display:flex;align-items:center;gap:6px;color:#9fbaa9}
.crumbs li+li::before{content:"/";color:rgba(255,255,255,.35)}
.crumbs a{color:#d6e5da;text-decoration:none}
.crumbs a:hover{color:var(--gold)}
.crumbs [aria-current]{color:var(--gold)}

/* ---------- Cards & grids ---------- */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;position:relative}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#c9dac9}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .ic{width:58px;height:58px;border-radius:16px;background:var(--sage);display:grid;place-items:center;margin-bottom:20px;color:var(--primary)}
.card .ic svg{width:30px;height:30px}
.card--link{text-decoration:none;color:inherit;display:block}
.card--link:hover{color:inherit}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:650;font-size:.92rem;color:var(--primary);margin-top:12px}
.more::after{content:"→";transition:transform .25s}
.card--link:hover .more::after,.more:hover::after{transform:translateX(4px)}
.card--dark{background:linear-gradient(160deg,#164d36,var(--dark));border-color:rgba(255,255,255,.08);color:#cfe0d4}
.card--dark h3{color:#fff}
.card--dark .ic{background:rgba(217,164,65,.16);color:var(--gold)}
.num-badge{position:absolute;top:22px;right:24px;font-family:var(--ff-head);font-size:2.4rem;color:var(--sage);line-height:1;font-weight:700}

/* split layout */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split--rev>:first-child{order:2}
.panel{background:linear-gradient(160deg,var(--sage),#f6f9f1);border-radius:var(--radius-lg);padding:36px;border:1px solid var(--border)}
.panel svg{width:100%;height:auto}

/* check list */
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{position:relative;padding-left:36px;margin-bottom:12px}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:22px;height:22px;border-radius:50%;background:var(--primary) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat}
.section--dark .checks li::before{background-color:var(--gold)}

/* callout */
.note{border-left:4px solid var(--gold);background:#fff8e8;border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:18px 22px;font-size:.96rem;color:#4a3d1c}
.note strong{color:#3a2e10}
.note--green{border-color:var(--primary);background:var(--sage-2);color:var(--text)}

/* ---------- Prose / article (tentang) ---------- */
.article-wrap{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:104px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px}
.toc b{display:block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ol{margin:0;padding-left:1.1em;font-size:.92rem}
.toc li{margin:6px 0}
.toc a{text-decoration:none;color:var(--text)}
.toc a:hover{color:var(--primary)}
.prose h2{margin-top:1.6em;scroll-margin-top:110px}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.3em}
.prose>p,.prose li{color:#2f4339}
.compare{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;background:#fff;margin:1.2em 0 1.6em;font-size:.95rem}
.compare th,.compare td{padding:14px 18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--border)}
.compare thead th{background:var(--dark);color:#fff;font-family:var(--ff-head);font-weight:600}
.compare tbody th{background:var(--sage-2);color:var(--dark);width:26%}
.compare tr:last-child td,.compare tr:last-child th{border-bottom:0}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius)}
.pullquote{font-family:var(--ff-head);font-size:1.4rem;line-height:1.45;color:var(--dark);border-top:2px solid var(--gold);border-bottom:2px solid var(--gold);padding:22px 0;margin:2em 0}

/* ---------- Bento (manfaat) ---------- */
.bento{display:grid;grid-template-columns:repeat(6,1fr);grid-auto-rows:minmax(200px,auto);gap:22px}
.bento .card{display:flex;flex-direction:column}
.b-wide{grid-column:span 4}.b-tall{grid-column:span 2;grid-row:span 2}.b-3{grid-column:span 3}.b-2{grid-column:span 2}
.meter{height:10px;border-radius:99px;background:var(--sage);overflow:hidden;margin:8px 0 4px}
.meter i{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--primary),var(--gold));width:0;transition:width 1.4s var(--ease)}
.in .meter i{width:var(--w)}
.meter-label{display:flex;justify-content:space-between;font-size:.84rem;color:var(--muted)}

/* ---------- Filter grid (jenis) ---------- */
.filters{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:34px}
.chip{border:1px solid var(--border);background:#fff;border-radius:999px;padding:9px 18px;font:inherit;font-size:.9rem;font-weight:600;color:var(--text);cursor:pointer;transition:.2s}
.chip:hover{border-color:var(--primary);color:var(--primary)}
.chip[aria-pressed="true"]{background:var(--primary);border-color:var(--primary);color:#fff}
.machine{display:flex;flex-direction:column;padding:0;overflow:hidden}
.machine .art{background:linear-gradient(160deg,var(--sage),#f7faf3);padding:26px 26px 10px;border-bottom:1px solid var(--border);position:relative}
.machine .art svg{height:130px;width:100%}
.machine .tag{position:absolute;top:16px;left:16px;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:#fff;color:var(--primary);padding:4px 10px;border-radius:99px;border:1px solid var(--border)}
.machine .body{padding:24px 26px 26px;display:flex;flex-direction:column;flex:1}
.machine dl{display:grid;grid-template-columns:auto 1fr;gap:6px 14px;font-size:.9rem;margin:6px 0 14px}
.machine dt{color:var(--muted)}
.machine dd{margin:0;font-weight:600;color:var(--dark)}
.machine details{margin-top:auto;border-top:1px dashed var(--border);padding-top:12px}
.machine summary{cursor:pointer;font-weight:650;color:var(--primary);font-size:.92rem;list-style:none;display:flex;align-items:center;gap:8px}
.machine summary::-webkit-details-marker{display:none}
.machine summary::after{content:"+";margin-left:auto;font-size:1.2rem;transition:transform .2s}
.machine details[open] summary::after{transform:rotate(45deg)}
.machine details p{font-size:.93rem;margin:10px 0 0;color:#3c5046}
.is-hidden{display:none!important}

/* ---------- Requirement checklist (persyaratan) ---------- */
.req-layout{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}
.req-group{background:#fff;border:1px solid var(--border);border-radius:var(--radius);margin-bottom:22px;overflow:hidden}
.req-group header{display:flex;align-items:center;gap:16px;padding:22px 26px;background:var(--sage-2);border-bottom:1px solid var(--border)}
.req-group header .ic{width:46px;height:46px;border-radius:14px;background:#fff;display:grid;place-items:center;color:var(--primary);flex:none}
.req-group header .ic svg{width:24px;height:24px}
.req-group header h3{margin:0}
.req-group header p{margin:0;font-size:.88rem;color:var(--muted)}
.req-items{list-style:none;margin:0;padding:10px 16px}
.req-items li{border-bottom:1px solid var(--sage)}
.req-items li:last-child{border-bottom:0}
.req-items label{display:flex;gap:14px;align-items:flex-start;padding:14px 10px;cursor:pointer;border-radius:10px}
.req-items label:hover{background:var(--sage-2)}
.req-items input{appearance:none;-webkit-appearance:none;width:22px;height:22px;border:2px solid #b8cbb9;border-radius:7px;flex:none;margin-top:3px;cursor:pointer;transition:.2s;display:grid;place-items:center}
.req-items input:checked{background:var(--primary);border-color:var(--primary)}
.req-items input:checked::after{content:"";width:6px;height:11px;border:solid #fff;border-width:0 2.5px 2.5px 0;transform:rotate(45deg) translate(-1px,-1px)}
.req-items strong{display:block;color:var(--dark)}
.req-items span{font-size:.9rem;color:var(--muted)}
.progress-card{position:sticky;top:104px}
.ring{width:150px;height:150px;margin:6px auto 14px;position:relative}
.ring svg{transform:rotate(-90deg)}
.ring b{position:absolute;inset:0;display:grid;place-items:center;font-family:var(--ff-head);font-size:2rem;color:var(--dark)}
.ring circle{fill:none;stroke-width:12}
.ring .bgc{stroke:var(--sage)}
.ring .fgc{stroke:var(--primary);stroke-linecap:round;transition:stroke-dashoffset .6s var(--ease)}

/* ---------- Timeline (panduan) ---------- */
.timeline{position:relative;max-width:980px;margin:0 auto;padding:10px 0}
.timeline::before{content:"";position:absolute;left:50%;top:0;bottom:0;width:3px;background:linear-gradient(var(--primary),var(--gold));transform:translateX(-50%);border-radius:3px}
.t-item{position:relative;width:50%;padding:0 48px 46px 0}
.t-item:nth-child(even){margin-left:50%;padding:0 0 46px 48px}
.t-dot{position:absolute;right:-27px;top:6px;width:54px;height:54px;border-radius:50%;background:#fff;border:3px solid var(--primary);display:grid;place-items:center;font-family:var(--ff-head);font-weight:700;font-size:1.25rem;color:var(--dark);z-index:2;box-shadow:0 0 0 8px var(--bg)}
.t-item:nth-child(even) .t-dot{right:auto;left:-27px}
.t-item .card{padding:26px 28px}
.t-item .card h3{display:flex;gap:10px;align-items:center}
.t-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.t-meta span{font-size:.78rem;font-weight:650;background:var(--sage);color:var(--dark);padding:4px 10px;border-radius:99px}
.t-item:last-child .t-dot{background:var(--gold);border-color:var(--gold)}

/* ---------- Tables (skema) ---------- */
.data-table{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem;min-width:640px}
.data-table th,.data-table td{padding:15px 18px;border-bottom:1px solid var(--border);text-align:left}
.data-table thead th{background:var(--dark);color:#fff;font-weight:600;font-size:.86rem;letter-spacing:.03em}
.data-table tbody tr:nth-child(even){background:var(--sage-2)}
.data-table td.num{font-variant-numeric:tabular-nums;white-space:nowrap}
.table-card{border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.source{font-size:.86rem;color:var(--muted);margin-top:14px}
.source a{word-break:break-word}
.sources-list{font-size:.9rem}
.sources-list li{margin-bottom:8px}
.factor{display:flex;gap:18px;align-items:flex-start}
.factor .ic{margin:0;flex:none}
.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:var(--darker);color:#e8f1ea;border-radius:var(--radius-sm);padding:18px 22px;font-size:.95rem;overflow-x:auto;line-height:1.8}
.formula em{color:var(--gold);font-style:normal}

/* ---------- Calculator (simulasi) ---------- */
.calc{display:grid;grid-template-columns:.95fr 1.05fr;gap:0;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--border);overflow:hidden}
.calc-form{padding:36px}
.calc-out{padding:36px;background:linear-gradient(165deg,var(--dark),var(--darker));color:#cfe0d4}
.field{margin-bottom:20px}
.field label,.field .lbl{display:flex;justify-content:space-between;align-items:baseline;font-weight:650;color:var(--dark);font-size:.93rem;margin-bottom:8px}
.field label small,.field .lbl small{font-weight:500;color:var(--muted)}
.input{width:100%;padding:13px 16px;border:1.5px solid var(--border);border-radius:12px;font:inherit;font-size:1rem;color:var(--text);background:#fbfdfa;transition:border-color .2s,box-shadow .2s}
.input:focus{outline:0;border-color:var(--primary);box-shadow:0 0 0 4px rgba(23,104,59,.14)}
.input[readonly]{background:var(--sage-2);color:var(--dark);font-weight:700}
.input-wrap{position:relative}
.input-wrap .pre,.input-wrap .suf{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.9rem;font-weight:600}
.input-wrap .pre{left:16px}.input-wrap .suf{right:16px}
.input-wrap .pre+.input{padding-left:46px}
.input-wrap .input.has-suf{padding-right:64px}
.range{width:100%;accent-color:var(--primary);margin-top:8px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.seg{display:flex;background:var(--sage-2);border:1px solid var(--border);border-radius:12px;padding:4px;gap:4px}
.seg label{flex:1;margin:0;justify-content:center;cursor:pointer;padding:10px;border-radius:9px;font-size:.88rem;text-align:center}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked+span{background:#fff;box-shadow:var(--shadow-sm);color:var(--primary)}
.seg span{display:block;width:100%;padding:9px 6px;border-radius:9px}
.seg input:focus-visible+span{outline:3px solid var(--gold)}
.err{color:var(--danger);font-size:.85rem;margin-top:6px;min-height:1em}
.calc-out h2{color:#fff;font-size:1.4rem}
.calc-out.stale .big,.calc-out.stale .res-grid,.calc-out.stale .bar{opacity:.35}
.preset{display:flex;flex-wrap:wrap;gap:8px;margin:-4px 0 18px}
.preset button{border:1px dashed #b8cbb9;background:var(--sage-2);border-radius:99px;padding:6px 12px;font:inherit;font-size:.8rem;color:var(--dark);cursor:pointer}
.preset button:hover{border-color:var(--primary);color:var(--primary)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.big{font-family:var(--ff-head);font-size:clamp(2rem,4vw,2.9rem);color:var(--gold);line-height:1.1;margin:4px 0 6px;font-variant-numeric:tabular-nums}
.res-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:26px 0}
.res-grid div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:16px}
.res-grid span{font-size:.8rem;color:#a9c2b1;display:block}
.res-grid b{font-size:1.08rem;color:#fff;font-variant-numeric:tabular-nums}
.bar{display:flex;height:14px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.1)}
.bar i{display:block;height:100%;transition:width .5s var(--ease)}
.bar .p{background:#59b27c}.bar .b{background:var(--gold)}
.legend{display:flex;gap:18px;font-size:.82rem;margin-top:8px;color:#bcd0c2}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.sched-wrap{max-height:520px;overflow:auto;border:1px solid var(--border);border-radius:var(--radius);background:#fff}
.sched{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums;min-width:600px}
.sched th{position:sticky;top:0;background:var(--dark);color:#fff;padding:12px 14px;text-align:right;font-weight:600}
.sched th:first-child,.sched td:first-child{text-align:center}
.sched td{padding:10px 14px;text-align:right;border-bottom:1px solid var(--sage)}
.sched tbody tr:nth-child(12n){background:var(--sage-2);font-weight:600}
.sched tfoot td{background:var(--sage);font-weight:700;color:var(--dark)}

/* ---------- Bank list ---------- */
.bank{display:flex;gap:20px;align-items:flex-start}
.bank .mono{width:64px;height:64px;border-radius:18px;flex:none;display:grid;place-items:center;font-family:var(--ff-head);font-weight:700;font-size:1.05rem;color:#fff;background:linear-gradient(150deg,var(--primary),var(--dark));letter-spacing:.04em}
.bank h3{margin-bottom:.25em}
.bank .src{font-size:.82rem;color:var(--muted);margin-top:10px}
.steps-num{counter-reset:s;list-style:none;padding:0;margin:0}
.steps-num li{counter-increment:s;position:relative;padding:0 0 22px 62px}
.steps-num li::before{content:counter(s);position:absolute;left:0;top:-2px;width:42px;height:42px;border-radius:12px;background:var(--gold);color:var(--darker);display:grid;place-items:center;font-weight:800;font-family:var(--ff-head)}
.steps-num strong{display:block;color:var(--dark);font-size:1.05rem}
.section--dark .steps-num strong{color:#fff}
.redflags .card{border-left:4px solid var(--danger)}

/* ---------- Taksi (canvas) ---------- */
.canvas{display:grid;grid-template-columns:repeat(5,1fr);grid-template-rows:auto auto;gap:14px}
.canvas .cell{background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px;font-size:.92rem}
.canvas .cell h3{font-size:1rem;font-family:var(--ff-body);font-weight:750;color:var(--primary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}
.canvas .cell ul{margin:0;padding-left:1.1em}
.canvas .c-val{grid-column:3;grid-row:1/3;background:linear-gradient(170deg,var(--dark),var(--darker));color:#cfe0d4;border:0}
.canvas .c-val h3{color:var(--gold)}
.canvas .c-wide{grid-column:span 2}
.canvas .c-rev{grid-column:4/6}
.mini-calc{background:#fff;border-radius:var(--radius-lg);border:1px solid var(--border);box-shadow:var(--shadow);padding:34px}
.mini-res{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}
.mini-res div{background:var(--sage-2);border:1px solid var(--border);border-radius:14px;padding:16px}
.mini-res span{display:block;font-size:.8rem;color:var(--muted)}
.mini-res b{font-family:var(--ff-head);font-size:1.3rem;color:var(--dark);font-variant-numeric:tabular-nums}
.mini-res .neg b{color:var(--danger)}
.season{display:grid;grid-template-columns:repeat(12,1fr);gap:6px;margin-top:10px}
.season div{text-align:center;font-size:.72rem;color:var(--muted)}
.season i{display:block;height:var(--h);min-height:8px;border-radius:6px 6px 2px 2px;background:linear-gradient(180deg,var(--gold),var(--primary));margin-bottom:6px}
.season-bars{display:flex;align-items:flex-end;height:120px}
.season-bars>div{flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:100%}

/* ---------- FAQ ---------- */
.faq-tools{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:28px;align-items:center}
.faq-tools .input-wrap{flex:1;min-width:240px}
.faq-cat{margin-bottom:40px}
.faq-cat>h2{font-size:1.45rem;display:flex;align-items:center;gap:12px}
.faq-cat>h2::before{content:"";width:10px;height:10px;border-radius:3px;background:var(--gold);transform:rotate(45deg)}
.acc{border:1px solid var(--border);border-radius:16px;background:#fff;margin-bottom:12px;overflow:hidden;transition:box-shadow .25s,border-color .25s}
.acc.open{box-shadow:var(--shadow-sm);border-color:#c5d8c6}
.acc h3{margin:0;font-family:var(--ff-body);font-size:1.02rem}
.acc button{width:100%;display:flex;align-items:center;gap:16px;text-align:left;background:none;border:0;padding:20px 22px;font:inherit;font-weight:650;color:var(--dark);cursor:pointer;line-height:1.45}
.acc button:hover{background:var(--sage-2)}
.acc button .pm{margin-left:auto;flex:none;width:30px;height:30px;border-radius:50%;background:var(--sage);display:grid;place-items:center;transition:transform .3s,background .3s}
.acc button .pm svg{width:14px;height:14px}
.acc.open button .pm{transform:rotate(45deg);background:var(--gold)}
.acc .panel-a{padding:0 22px 20px 22px;color:#384c42}
.acc .panel-a[hidden]{display:none}
.acc .panel-a p:last-child{margin-bottom:0}
.empty{display:none;text-align:center;color:var(--muted);padding:30px}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:40px;align-items:start}
.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow)}
textarea.input{min-height:150px;resize:vertical}
select.input{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2317683B' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:16px;padding-right:44px}
.input.bad{border-color:var(--danger)}
.form-status{margin-top:18px;border-radius:12px;padding:16px 18px;font-size:.94rem;display:none}
.form-status.show{display:block}
.form-status.info{background:#fff8e8;border:1px solid #efd9a6;color:#4a3d1c}
.form-status.error{background:#fbeceb;border:1px solid #efc5c0;color:#7a2a20}
.check-line{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.check-line input{margin-top:5px;accent-color:var(--primary);width:18px;height:18px}
.counter{font-size:.8rem;color:var(--muted);text-align:right;margin-top:4px}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;border-radius:var(--radius-lg);background:linear-gradient(120deg,var(--dark),var(--primary));color:#d8e7dc;padding:clamp(36px,5vw,60px);display:grid;grid-template-columns:1.4fr .6fr;gap:30px;align-items:center}
.cta-band::before{content:"";position:absolute;width:340px;height:340px;right:-90px;top:-130px;border-radius:50%;background:radial-gradient(circle,rgba(217,164,65,.45),transparent 65%)}
.cta-band h2{color:#fff;position:relative}
.cta-band p{position:relative;margin:0}
.cta-band .btn-row{justify-content:flex-end;position:relative}

/* ---------- Footer ---------- */
.site-footer{background:var(--darker);color:#9fb8a7;padding:70px 0 0;font-size:.93rem;margin-top:0}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.site-footer h2{font-family:var(--ff-body);font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#d0dfd5;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer .brand{color:#fff;margin-bottom:16px}
.site-footer .brand small{color:#86a593}
.f-bottom{border-top:1px solid rgba(255,255,255,.08);margin-top:50px;padding:22px 0;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.84rem;color:#7f9c8a}
.f-disclaimer{font-size:.84rem;line-height:1.6;color:#86a593;max-width:46ch}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}

/* parallax-ish background */
.parallax{background-attachment:fixed}

/* ---------- Home specific ---------- */
.steps-row{display:grid;grid-template-columns:repeat(7,1fr);gap:12px;counter-reset:st}
.steps-row a{counter-increment:st;text-decoration:none;color:var(--text);background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px 16px;position:relative;transition:.3s var(--ease);font-size:.9rem;font-weight:600;line-height:1.4}
.steps-row a::before{content:"0" counter(st);display:block;font-family:var(--ff-head);color:var(--gold);font-size:1.5rem;margin-bottom:8px}
.steps-row a:hover{transform:translateY(-4px);border-color:var(--primary);color:var(--dark)}
.scheme-card{border-top:5px solid var(--primary)}
.scheme-card.gold{border-top-color:var(--gold)}
.scheme-card .val{font-family:var(--ff-head);font-size:2rem;color:var(--dark);line-height:1.1}
.scheme-card .val small{font-size:.95rem;color:var(--muted);font-family:var(--ff-body)}
.mini-faq .acc{margin-bottom:10px}
.cat-tile{text-align:center;padding:26px 18px}
.cat-tile svg{height:82px;width:100%;margin-bottom:14px}
.cat-tile h3{font-size:1.05rem;margin:0}
.cat-tile p{font-size:.86rem;color:var(--muted);margin:.4em 0 0}
.all-pages{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.all-pages a{display:flex;align-items:center;gap:12px;padding:16px 18px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:14px;color:#e2ece5;text-decoration:none;font-weight:600;font-size:.93rem;transition:.25s}
.all-pages a:hover{background:rgba(217,164,65,.14);border-color:var(--gold);color:#fff}
.all-pages a i{font-style:normal;font-family:var(--ff-head);color:var(--gold);font-size:.95rem;min-width:22px}

/* ---------- Responsive ---------- */
@media (max-width:1180px){
  .menu a,.has-sub>button{padding:9px 10px;font-size:.88rem}
  .nav-cta{display:none}
}
@media (max-width:1024px){
  .burger{display:flex}
  .menu-wrap{position:fixed;inset:76px 0 0 0;background:var(--bg);padding:18px 24px 40px;overflow-y:auto;opacity:0;transform:translateY(-10px);transition:opacity .3s var(--ease),transform .3s var(--ease),visibility .3s;visibility:hidden}
  .menu-wrap.open{opacity:1;transform:none;visibility:visible}
  .menu{flex-direction:column;align-items:stretch;gap:2px}
  .menu a,.has-sub>button{padding:13px 16px;font-size:1rem;border-radius:12px;width:100%}
  .sub{position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;border:0;padding:0 0 0 12px;display:none;min-width:0}
  .has-sub.open .sub{display:block;transform:none}
  .nav-cta{display:block;margin:14px 0 0}
  .nav-cta .btn{width:100%;justify-content:center}
  body.menu-open{overflow:hidden}
  .hero .container{grid-template-columns:1fr}
  .hero-art{max-width:560px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .steps-row{grid-template-columns:repeat(4,1fr)}
  .all-pages{grid-template-columns:repeat(3,1fr)}
  .article-wrap{grid-template-columns:1fr}
  .toc{position:static}
  .req-layout{grid-template-columns:1fr}
  .progress-card{position:static}
  .calc{grid-template-columns:1fr}
  .canvas{grid-template-columns:1fr 1fr}
  .canvas .c-val{grid-column:1/-1;grid-row:auto}
  .canvas .c-wide,.canvas .c-rev{grid-column:1/-1}
  .f-grid{grid-template-columns:1fr 1fr}
  .bento{grid-template-columns:repeat(2,1fr)}
  .b-wide,.b-tall,.b-3,.b-2{grid-column:span 1;grid-row:auto}
  .b-wide{grid-column:1/-1}
  .parallax{background-attachment:scroll}
}
@media (max-width:820px){
  .g3,.g2{grid-template-columns:1fr}
  .split,.contact-grid{grid-template-columns:1fr;gap:36px}
  .split--rev>:first-child{order:0}
  .page-hero .container{grid-template-columns:1fr}
  .page-hero .ph-icon{display:none}
  .cta-band{grid-template-columns:1fr}
  .cta-band .btn-row{justify-content:flex-start}
  .timeline::before{left:27px}
  .t-item,.t-item:nth-child(even){width:100%;margin-left:0;padding:0 0 36px 80px}
  .t-dot,.t-item:nth-child(even) .t-dot{left:0;right:auto}
  .hero-stats{grid-template-columns:repeat(2,1fr);row-gap:20px}
  .mini-res{grid-template-columns:1fr}
  .float-card.a{left:8px}.float-card.b{right:8px}
  .topbar .container span:last-child{display:none}
}
@media (max-width:600px){
  body{font-size:16px}
  .container{padding:0 18px}
  .g4,.bento,.all-pages{grid-template-columns:1fr}
  .steps-row{grid-template-columns:repeat(2,1fr)}
  .card,.calc-form,.calc-out,.form-card,.mini-calc{padding:24px}
  .row2,.res-grid{grid-template-columns:1fr}
  .canvas{grid-template-columns:1fr}
  .f-grid{grid-template-columns:1fr}
  .btn{padding:13px 20px}
  .btn-row .btn{width:100%;justify-content:center}
  .brand small{display:none}
  .float-card{display:none}
  .req-group header{padding:18px}
}
@media (max-width:360px){
  .container{padding:0 14px}
  .brand b{font-size:1.15rem}
  .brand svg{width:38px;height:38px}
  .steps-row{grid-template-columns:1fr}
  .hero-stats{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
  .parallax{background-attachment:scroll}
}
@media print{
  .site-header,.topbar,.site-footer,.cta-band,.burger{display:none}
  body{background:#fff}
}
/* grid children may shrink below content width */
.split>*,.article-wrap>*,.req-layout>*,.contact-grid>*,.calc>*,.grid>*{min-width:0}
.compare{min-width:560px}
.season{gap:4px}.season>div{min-width:0;overflow:hidden}
@media (max-width:420px){.season div{font-size:.58rem}.season{gap:2px}}
@media (min-width:1025px){.menu-wrap{display:flex;align-items:center}}
.page-hero .eyebrow,.calc-out .eyebrow,.card--dark .eyebrow{color:var(--gold)}
.menu a,.has-sub>button,.btn{white-space:nowrap}
.has-sub>button svg{flex:none;display:inline-block}
@media (max-width:1400px) and (min-width:1025px){.nav-cta{display:none}.brand small{display:none}}