:root {
    --navy: #102b50;
    --blue: #1c4d7c;
    --gold: #d9ad53;
    --light: #f3f6fa;
    --text: #243247;
    --muted: #65748a;
}

/* ========================================
   GLOBAL
======================================== */

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    max-width: 100%;
}

body {
    margin: 0;
    width: 100%;
    max-width: 100%;
    overflow-x: hidden;
    font-family: Arial, sans-serif;
    color: var(--text);
    line-height: 1.65;
}

.container {
    width: 92%;
    max-width: 1150px;
    margin-left: auto;
    margin-right: auto;
}

main {
    display: block;
    width: 100%;
}

section {
    display: block;
    width: 100%;
    padding: 65px 0;
    scroll-margin-top: 80px;
}

.alt {
    background: var(--light);
}

/* ========================================
   HEADER
======================================== */

header {
    position: sticky;
    top: 0;
    z-index: 100;
    display: block;
    width: 100%;
    background: var(--navy);
    color: white;
}

header .container {
    width: 92%;
    max-width: 1150px;
    margin: auto;
}

header .nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    min-height: 65px;
    padding: 8px 0;
    gap: 20px;
}

/* ========================================
   LOGO DAN IDENTITAS PERUSAHAAN
======================================== */

.site-brand {
    display: flex;
    align-items: center;
    gap: 9px;
    flex: 0 1 auto;
    min-width: 0;
    max-width: 380px;
    color: white;
    font-weight: bold;
}

/* Foto logo */
header img.site-brand-image {
    display: block !important;
    position: static !important;

    width: 38px !important;
    height: 38px !important;

    min-width: 38px !important;
    max-width: 38px !important;

    min-height: 38px !important;
    max-height: 38px !important;

    flex: 0 0 38px !important;

    object-fit: contain !important;
    object-position: center !important;

    margin: 0 !important;
    padding: 0 !important;
    border: 0;
}

/* Nama perusahaan */
.site-brand-text {
    min-width: 0;
    font-size: 13px;
    font-weight: 700;
    line-height: 1.3;
}

/* Subjudul perusahaan */
.site-brand-text small {
    display: block;
    margin-top: 3px;
    color: #dce5ef;
    font-size: 9px;
    font-weight: 400;
    letter-spacing: 0.5px;
    line-height: 1.3;
}

/* ========================================
   NAVIGATION
======================================== */

header nav {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    flex-wrap: wrap;
    gap: 16px;
}

header nav a {
    color: white;
    text-decoration: none;
    font-size: 13px;
    white-space: nowrap;
    transition: color 0.3s ease;
}

header nav a:hover {
    color: var(--gold);
}

/* ========================================
   HERO SECTION
======================================== */

.hero {
    width: 100%;
    padding: 85px 0;
    background: linear-gradient(
        120deg,
        var(--navy),
        var(--blue)
    );
    background-size: cover;
    background-position: center;
    color: white;
}

.hero h1 {
    max-width: 800px;
    font-size: clamp(32px, 5vw, 52px);
    line-height: 1.2;
}

.hero p {
    max-width: 650px;
    color: #e0e8f2;
}

.eyebrow {
    color: var(--gold);
    font-weight: bold;
    letter-spacing: 2px;
}

/* ========================================
   BUTTON
======================================== */

.btn-gold {
    display: inline-block;
    padding: 12px 20px;
    border: 0;
    border-radius: 8px;
    background: var(--gold);
    color: #172b46;
    text-decoration: none;
    font-weight: bold;
    cursor: pointer;
    transition: opacity 0.3s ease;
}

.btn-gold:hover {
    opacity: 0.85;
}

.btn-outline-light {
    display: inline-block;
    margin-left: 8px;
    padding: 11px 20px;
    border: 1px solid white;
    border-radius: 8px;
    color: white;
    text-decoration: none;
    transition: all 0.3s ease;
}

.btn-outline-light:hover {
    background: white;
    color: var(--navy);
}

/* ========================================
   SECTION HEADING
======================================== */

.heading {
    max-width: 700px;
    margin-bottom: 30px;
}

.heading h2 {
    margin-bottom: 8px;
    color: var(--navy);
    font-size: 30px;
}

.heading p {
    color: var(--muted);
}

/* ========================================
   GRID & CARD
======================================== */

.grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.cardx {
    min-width: 0;
    padding: 23px;
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    background: white;
    box-shadow: 0 5px 20px #102b5009;
}

.cardx h3 {
    color: var(--navy);
}

.symbol {
    display: grid;
    place-items: center;
    width: 43px;
    height: 43px;
    border-radius: 10px;
    background: #fff4dc;
    color: #986a19;
    font-size: 21px;
}

.rate {
    color: var(--blue);
    font-size: 25px;
    font-weight: bold;
}

.muted {
    color: var(--muted);
    font-size: 13px;
}

/* ========================================
   INFORMATION
======================================== */

.info {
    margin-top: 20px;
    padding: 15px;
    border-left: 4px solid var(--gold);
    border-radius: 6px;
    background: #fff7e8;
    font-size: 13px;
}

/* ========================================
   TWO COLUMN & PANEL
======================================== */

.two {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.panel {
    min-width: 0;
    padding: 25px;
    border: 1px solid #e1e7ef;
    border-radius: 14px;
    background: white;
}

.panel h3 {
    color: var(--navy);
}

/* ========================================
   LIST
======================================== */

ul {
    padding-left: 20px;
}

li {
    margin: 8px 0;
}

/* ========================================
   CALCULATOR
======================================== */

.calculator {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 30px;
    padding: 28px;
    border: 1px solid #e0e6ee;
    border-radius: 16px;
    background: white;
}

label {
    display: block;
    margin: 14px 0 6px;
    font-size: 14px;
    font-weight: bold;
}

input,
select {
    width: 100%;
    max-width: 100%;
    padding: 12px;
    border: 1px solid #ccd5e1;
    border-radius: 7px;
    background: white;
    font-size: 15px;
}

.result {
    min-width: 0;
    padding: 25px;
    border-radius: 13px;
    background: var(--navy);
    color: white;
}

.result h3 {
    margin-top: 0;
    color: var(--gold);
}

.result .big {
    color: white;
    font-size: 30px;
    font-weight: bold;
}

.result-row {
    display: flex;
    justify-content: space-between;
    gap: 10px;
    padding: 10px 0;
    border-bottom: 1px solid #ffffff30;
    font-size: 14px;
}

.result-note {
    margin-top: 15px;
    color: #d5e0ed;
    font-size: 12px;
}

/* ========================================
   APPLICATION STEPS
======================================== */

.steps {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 15px;
}

.step {
    min-width: 0;
    padding: 20px;
    border: 1px solid #e3e8ef;
    border-radius: 12px;
    background: white;
}

.number {
    display: grid;
    place-items: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy);
    color: white;
    font-weight: bold;
}

/* ========================================
   FAQ
======================================== */

details {
    margin-bottom: 10px;
    padding: 16px;
    border: 1px solid #e2e8f0;
    border-radius: 9px;
    background: white;
}

summary {
    color: var(--navy);
    font-weight: bold;
    cursor: pointer;
}

/* ========================================
   CONTACT
======================================== */

.contact {
    background: var(--blue);
    color: white;
}

.contact h2 {
    color: white;
}

.contact p {
    color: #d9e4f0;
}

/* ========================================
   FOOTER
======================================== */

footer.footer {
    display: block;
    width: 100%;
    padding: 25px 0;
    background: var(--navy);
    color: #dce5ef;
    font-size: 13px;
}

/* ========================================
   RESPONSIVE - TABLET
======================================== */

@media (max-width: 800px) {

    .grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .steps {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .calculator,
    .two {
        grid-template-columns: 1fr;
    }

    header .nav {
        flex-wrap: wrap;
        gap: 12px;
    }

    header nav {
        justify-content: flex-start;
        gap: 10px;
    }

}

/* ========================================
   RESPONSIVE - MOBILE
======================================== */

@media (max-width: 520px) {

    .grid,
    .steps {
        grid-template-columns: 1fr;
    }

    header .nav {
        align-items: flex-start;
        flex-direction: column;
        gap: 10px;
    }

    header img.site-brand-image {
        width: 32px !important;
        height: 32px !important;
        min-width: 32px !important;
        max-width: 32px !important;
        min-height: 32px !important;
        max-height: 32px !important;
        flex-basis: 32px !important;
    }

    .site-brand-text {
        font-size: 12px;
    }

    .site-brand-text small {
        font-size: 9px;
    }

    header nav {
        width: 100%;
        gap: 12px;
    }

    header nav a {
        font-size: 12px;
    }

    .hero {
        padding: 55px 0;
    }

    section {
        padding: 48px 0;
    }

    .calculator {
        padding: 17px;
    }

    .result .big {
        font-size: 25px;
    }

    .btn-outline-light {
        margin-left: 0;
        margin-top: 8px;
    }

}