/* ==========================================================================
   1. RESET, BASE STYLES & VARIABLES
   ========================================================================== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
}

body {
    background-color: #020617; /* bg-slate-950 */
    color: #e2e8f0; /* text-slate-200 */
    -webkit-font-smoothing: antialiased;
    line-height: 1.5;
}

/* CONTAINER UTAMA */
.max-w-6xl {
    max-width: 72rem;
    margin-left: auto;
    margin-right: auto;
    padding-left: 1rem;
    padding-right: 1rem;
}

/* WARNA TEKS KHUSUS */
.text-amber {
    color: #f59e0b;
}

/* ==========================================================================
   2. TOP ANNOUNCEMENT BANNER
   ========================================================================== */
.top-banner {
    background: linear-gradient(to right, #be123c, #dc2626, #d97706);
    color: #ffffff;
    text-align: center;
    padding: 0.6rem 1rem;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    position: relative;
    z-index: 50;
    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    line-height: 1.4;
}

.animate-pulse {
    animation: pulse 2s cubic-bezier(0.4, 0, 0.6, 1) infinite;
    background-color: #ffffff;
    color: #dc2626;
    padding: 0.125rem 0.375rem;
    border-radius: 0.25rem;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: .5; }
}

/* ==========================================================================
   3. FLOATING WHATSAPP BUTTON (RESPONSIVE POSITION)
   ========================================================================== */
.floating-wa {
    position: fixed;
    bottom: 1rem;
    left: 50%;
    transform: translateX(-50%); /* Posisi tengah bawah di HP */
    z-index: 50;
    background-color: #044e34;
    color: #ffffff;
    padding: 0.75rem 1.5rem;
    border-radius: 9999px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.4);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    border: 1px solid rgba(16, 185, 129, 0.3);
    text-decoration: none;
    transition: all 0.3s ease;
}

.floating-wa:hover {
    background-color: #10b981;
    transform: translateX(-50%) scale(1.05);
}

.floating-wa svg {
    width: 1.5rem;
    height: 1.5rem;
    fill: currentColor;
}

.wa-tooltip {
    color: #ffffff;
    font-size: 0.85rem;
    font-weight: 700;
    white-space: nowrap;
    opacity: 1;
}

/* Pindah ke pojok kanan bawah khusus layar Tablet & PC Desktop */
@media (min-width: 768px) {
    .floating-wa {
        left: auto;
        right: 1.5rem;
        transform: none;
        padding: 1rem;
    }
    .floating-wa:hover {
        transform: scale(1.1);
    }
    .wa-tooltip {
        position: absolute;
        right: 4rem;
        background-color: #0f172a;
        color: #f1f5f9;
        font-size: 0.75rem;
        font-weight: 600;
        padding: 0.375rem 0.75rem;
        border-radius: 0.5rem;
        opacity: 0; /* Sembunyikan teks di PC sebelum di-hover */
        transition: opacity 0.3s;
        pointer-events: none;
        border: 1px solid #1e293b;
    }
    .floating-wa:hover .wa-tooltip {
        opacity: 1;
    }
}

/* ==========================================================================
   4. NAVIGATION BAR (NAVBAR)
   ========================================================================== */
.navbar {
    background-color: rgba(15, 23, 42, 0.8);
    backdrop-filter: blur(12px);
    position: sticky;
    top: 0;
    z-index: 40;
    border-bottom: 1px solid rgba(30, 41, 59, 0.6);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 1rem;
    padding-bottom: 1rem;
}

.logo-main {
    font-size: 1.5rem;
    font-weight: 900;
    color: #ffffff;
    letter-spacing: -0.025em;
    text-decoration: none;
}

.logo-sub {
    display: block;
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: #cbd5e1; /* Kontras PageSpeed Lolos */
    font-weight: 700;
}

/* Menu Navigasi Desktop */
.nav-links {
    display: none;
    gap: 1.5rem;
    font-size: 0.875rem;
    font-weight: 600;
}

.nav-links a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.2s;
}

.nav-links a:hover {
    color: #fbbf24;
}

@media (min-width: 992px) {
    .nav-links {
        display: flex;
    }
}

/* TOMBOL UTAMA */
.btn-primary {
    background-color: #f59e0b;
    color: #020617;
    font-weight: 700;
    padding: 0.5rem 1.25rem;
    border-radius: 0.75rem;
    font-size: 0.875rem;
    text-decoration: none;
    transition: background-color 0.2s;
    border: none;
    display: inline-block;
}

.btn-primary:hover {
    background-color: #d97706;
}

/* ==========================================================================
   5. HERO SECTION & FORMULIR PENGAJUAN
   ========================================================================== */
.hero {
    background: linear-gradient(to bottom right, #0f172a, #312e81, #020617);
    padding: 3rem 1rem;
    border-bottom: 1px solid rgba(30, 41, 59, 0.5);
}

.hero-grid {
    display: grid;
    grid-template-cols: 1fr; /* 1 Kolom penuh di HP */
    gap: 2.5rem;
    align-items: center;
}

@media (min-width: 992px) {
    .hero { padding: 6rem 0; }
    .hero-grid { grid-template-cols: 1fr 1fr; } /* 2 Kolom berdampingan di PC */
}

.badge-ojk {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background-color: rgba(49, 46, 129, 0.8);
    border: 1px solid rgba(99, 102, 241, 0.3);
    padding: 0.375rem 0.75rem;
    border-radius: 9999px;
    font-size: 0.75rem;
    font-weight: 600;
    color: #f59e0b;
    margin-bottom: 1.5rem;
}

.hero h1 {
    font-size: 2.2rem;
    font-weight: 900;
    line-height: 1.2;
    color: #ffffff;
    margin-bottom: 1.5rem;
}

@media (min-width: 768px) {
    .hero h1 { font-size: 3rem; }
}

.hero p {
    color: #cbd5e1;
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 2rem;
}

/* STATISTIK HERO */
.stats-grid {
    display: grid;
    grid-template-cols: repeat(3, 1fr);
    gap: 0.75rem;
    border-top: 1px solid #1e293b;
    padding-top: 1.5rem;
    text-align: center;
}

.stat-val {
    display: block;
    font-size: 1.25rem;
    font-weight: 700;
    color: #f59e0b;
}

@media (min-width: 768px) {
    .stat-val { font-size: 1.5rem; }
}

.stat-lbl {
    font-size: 10px;
    color: #cbd5e1;
    text-transform: uppercase;
    font-weight: 700;
    letter-spacing: 0.05em;
}

/* BOX FORMULIR */
.form-box {
    background-color: #0f172a;
    padding: 1.5rem;
    border-radius: 1.5rem;
    border: 1px solid #1e293b;
    box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.3);
}

@media (min-width: 768px) {
    .form-box { padding: 2rem; }
}

.form-box h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: #ffffff;
    text-align: center;
    margin-bottom: 0.25rem;
}

.form-box .sub-title {
    font-size: 0.75rem;
    color: #cbd5e1;
    text-align: center;
    margin-bottom: 1.5rem;
}

.form-group {
    margin-bottom: 1rem;
}

.form-grid-2 {
    display: grid;
    grid-template-cols: 1fr;
    gap: 1rem;
}

@media (min-width: 480px) {
    .form-grid-2 { grid-template-cols: 1fr 1fr; }
}

label {
    display: block;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: #cbd5e1; /* Kontras Tinggi Lolos Standar OJK/PageSpeed */
    margin-bottom: 0.25rem;
}

input, select {
    width: 100%;
    padding: 0.75rem;
    font-size: 0.875rem;
    border: 1px solid #1e293b;
    border-radius: 0.75rem;
    background-color: #020617;
    color: #ffffff;
    transition: border-color 0.2s, box-shadow 0.2s;
}

input:focus, select:focus {
    outline: none;
    border-color: #f59e0b;
    box-shadow: 0 0 0 2px rgba(245, 158, 11, 0.4);
}

input::placeholder {
    color: #94a3b8; /* Kontras Placeholder Diperjelas */
}

.btn-submit {
    width: 100%;
    background-color: #f59e0b;
    color: #020617;
    font-weight: 900;
    padding: 0.875rem;
    border-radius: 0.75rem;
    border: none;
    text-transform: uppercase;
    font-size: 0.875rem;
    letter-spacing: 0.05em;
    cursor: pointer;
    transition: background-color 0.2s;
    margin-top: 1rem;
}

.btn-submit:hover {
    background-color: #d97706;
}

/* TRUST BADGES FORM */
.trust-badges {
    margin-top: 1.5rem;
    padding-top: 1rem;
    border-top: 1px solid #1e293b;
    display: grid;
    grid-template-cols: repeat(3, 1fr);
    gap: 0.5rem;
    text-align: center;
    font-size: 9px;
    color: #cbd5e1;
    font-weight: 600;
}

@media (min-width: 480px) {
    .trust-badges { font-size: 10px; }
}

.badge-card {
    background-color: #020617;
    padding: 0.5rem;
    border-radius: 0.5rem;
    border: 1px solid rgba(30, 41, 59, 0.5);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.25rem;
}

/* ==========================================================================
   6. SECTION HEADINGS CONFIG
   ========================================================================== */
section {
    padding: 4rem 1rem;
}

@media (min-width: 768px) {
    section { padding: 6rem 1rem; }
}

.section-title {
    text-align: center;
    margin-bottom: 3rem;
}

.section-title span {
    font-size: 0.75rem;
    font-weight: 700;
    color: #f59e0b;
    text-transform: uppercase;
    letter-spacing: 0.1rem;
    display: block;
    margin-bottom: 0.5rem;
}

.section-title h2 {
    font-size: 1.75rem;
    font-weight: 800;
    color: #ffffff;
    line-height: 1.3;
}

@media (min-width: 768px) {
    .section-title h2 { font-size: 2.25rem; }
}

.section-title p {
    color: #cbd5e1;
    font-size: 0.875rem;
    max-width: 36rem;
    margin: 0.5rem auto 0;
    line-height: 1.5;
}

/* ==========================================================================
   7. PRODUCT LAYANAN (3 COLUMNS RESPONSIVE GRID)
   ========================================================================== */
.cards-grid-3 {
    display: grid;
    grid-template-cols: 1fr;
    gap: 1.5rem;
}

@media (min-width: 768px) {
    .cards-grid-3 { grid-template-cols: repeat(2, 1fr); }
}

@media (min-width: 992px) {
    .cards-grid-3 { grid-template-cols: repeat(3, 1fr); }
}

.card-layanan {
    background-color: #0f172a;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #1e293b;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: border-color 0.2s;
}

.card-layanan:hover {
    border-color: #334155;
}

.icon-wrapper {
    width: 3rem;
    height: 3rem;
    background-color: #020617;
    border: 1px solid #1e293b;
    border-radius: 0.75rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
}

.card-layanan h3 {
    font-size: 1.125rem;
    font-weight: 700;
    color: #ffffff;
    margin-top: 1rem;
}

.card-layanan p {
    color: #cbd5e1;
    font-size: 0.8rem;
    line-height: 1.6;
    margin-top: 0.5rem;
    margin-bottom: 1.5rem;
}

.card-link {
    font-size: 0.75rem;
    font-weight: 700;
    color: #f59e0b;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 0.25rem;
}

.card-link:hover {
    color: #fbbf24;
}

/* ==========================================================================
   8. 4 LANGKAH & KEUNGGULAN (4 COLUMNS RESPONSIVE GRID)
   ========================================================================== */
.bg-light-section {
    background-color: rgba(15, 23, 42, 0.4);
    border-top: 1px solid #0f172a;
    border-bottom: 1px solid #0f172a;
}

.cards-grid-4 {
    display: grid;
    grid-template-cols: 1fr;
    gap: 1.25rem;
}

@media (min-width: 480px) {
    .cards-grid-4 { grid-template-cols: repeat(2, 1fr); }
}

@media (min-width: 992px) {
    .cards-grid-4 { grid-template-cols: repeat(4, 1fr); }
}

.step-card {
    background-color: #0f172a;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #1e293b;
    text-align: center;
}

.step-num {
    width: 2.5rem;
    height: 2.5rem;
    background-color: #0c1020;
    color: #f59e0b;
    border: 1px solid rgba(99, 102, 241, 0.2);
    border-radius: 0.5rem;
    margin: 0 auto 0.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.875rem;
    font-weight: 900;
}

.step-card h4 {
    font-weight: 700;
    color: #ffffff;
    font-size: 0.9rem;
    margin-bottom: 0.5rem;
}

.step-card p {
    color: #cbd5e1;
    font-size: 0.75rem;
    line-height: 1.6;
}

/* KARTU LANGKAH KE-4 (KHUSUS CAIR) */
.step-success {
    background-color: rgba(6, 78, 59, 0.3);
    border-color: rgba(16, 185, 129, 0.3);
}

.step-success .step-num {
    background-color: #059669;
    color: #ffffff;
    border: none;
}

.step-success h4 {
    color: #34d399;
}

.step-success p {
    color: rgba(209, 250, 229, 0.75);
}

/* ==========================================================================
   9. TESTIMONI NASABAH
   ========================================================================== */
.testi-card {
    background-color: #0f172a;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #1e293b;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.testi-card p {
    color: #cbd5e1;
    font-size: 0.8rem;
    font-style: italic;
    line-height: 1.6;
}

.testi-user {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(30, 41, 59, 0.6);
    margin-top: 1.25rem;
}

.avatar {
    width: 2.25rem;
    height: 2.25rem;
    background-color: #030712;
    border: 1px solid rgba(99, 102, 241, 0.2);
    color: #f59e0b;
    border-radius: 9999px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
}

.user-info h5 {
    font-weight: 700;
    color: #ffffff;
    font-size: 0.75rem;
}

.user-info span {
    font-size: 10px;
    color: #94a3b8;
    display: block;
}

/* ==========================================================================
   10. PROSES, SYARAT & FAQ SECTION
   ========================================================================== */
.two-col-grid {
    display: grid;
    grid-template-cols: 1fr;
    gap: 2rem;
    align-items: start;
}

@media (min-width: 992px) {
    .two-col-grid { grid-template-cols: 1.2fr 0.8fr; }
}

.list-box {
    background-color: #0f172a;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #1e293b;
    margin-bottom: 1.5rem;
}

@media (min-width: 768px) {
    .list-box { padding: 2rem; }
}

.list-box h3 {
    font-size: 1.125rem;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 1.5rem;
}

.process-step {
    display: flex;
    align-items: start;
    gap: 1rem;
    margin-bottom: 1.25rem;
}

.proc-num {
    background-color: #020617;
    border: 1px solid #1e293b;
    color: #f59e0b;
    font-weight: 700;
    border-radius: 9999px;
    width: 1.75rem;
    height: 1.75rem;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 0.875rem;
}

.process-step p {
    color: #cbd5e1;
    font-size: 0.875rem;
    line-height: 1.6;
}

.process-step strong {
    color: #ffffff;
}

.syarat-list {
    list-style: none;
}

.syarat-list li {
    display: flex;
    align-items: start;
    gap: 0.5rem;
    color: #cbd5e1;
    font-size: 0.875rem;
    margin-bottom: 0.75rem;
    line-height: 1.5;
}

.syarat-list li span {
    color: #f59e0b;
    font-weight: 700;
}

/* FAQ STYLES */
.faq-box {
    background: linear-gradient(to bottom right, #0f172a, #1e1b4b);
    color: #ffffff;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #1e1b4b;
    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
}

@media (min-width: 768px) {
    .faq-box { padding: 2rem; }
}

.faq-box span {
    font-size: 0.75rem;
    font-weight: 700;
    color: #818cf8;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    display: block;
    margin-bottom: 1.5rem;
}

.faq-content h4 {
    font-weight: 700;
    font-size: 14px;
    margin-bottom: 5px;
    color: #ffffff;
    line-height: 1.4;
}

.faq-content p {
    font-size: 13px;
    color: #cbd5e1;
    line-height: 1.6;
}

.faq-divider {
    border: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    margin: 1.25rem 0;
}

/* ==========================================================================
   11. JALUR PINTAS FAST CTA & FOOTER
   ========================================================================== */
.fast-cta {
    text-align: center;
    padding: 4rem 1rem;
}

.cta-container {
    max-width: 48rem;
    margin: 0 auto;
}

.cta-container h2 {
    font-size: 1.75rem;
    font-weight: 900;
    color: white;
    margin-bottom: 1rem;
}

@media (min-width: 768px) {
    .cta-container h2 { font-size: 2.25rem; }
}

.cta-container p {
    color: #cbd5e1;
    font-size: 14px;
    margin-bottom: 2rem;
    line-height: 1.6;
}

.large-btn {
    padding: 1rem 2rem;
    font-size: 1rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 800;
}

/* FOOTER BANNER */
.footer-container {
    max-width: 44rem;
    margin: 0 auto;
    font-size: 11px;
    line-height: 1.6;
    color: #94a3b8; /* Diperterang untuk PageSpeed */
    padding: 2rem 1rem;
    text-align: center;
}

.footer-title {
    font-weight: 700;
    color: #cbd5e1;
    text-transform: uppercase;
    margin-bottom: 0.5rem;
    font-size: 12px;
    letter-spacing: 0.05em;
}

.footer-divider {
    border: 0;
    border-top: 1px solid #1e293b;
    margin: 1.5rem 0;
}

/* ==========================================================================
   12. STYLING UNTUK HALAMAN ARTIKEL (BLOG)
   ========================================================================== */
.max-w-3xl {
    max-width: 48rem; /* Lebar artikel ideal agar mata tidak lelah membaca */
    margin-left: auto;
    margin-right: auto;
    padding-left: 1.25rem;
    padding-right: 1.25rem;
}

.blog-container {
    padding-top: 2rem;
    padding-bottom: 5rem;
}

.breadcrumb {
    font-size: 0.75rem;
    color: #94a3b8;
    margin-bottom: 1.5rem;
}
.breadcrumb a {
    color: #f59e0b;
    text-decoration: none;
}

.blog-header h1 {
    font-size: 1.85rem;
    font-weight: 800;
    line-height: 1.3;
    color: #ffffff;
    margin-bottom: 0.75rem;
}
@media (min-width: 768px) {
    .blog-header h1 { font-size: 2.5rem; }
}

.blog-meta {
    font-size: 0.8rem;
    color: #cbd5e1;
    margin-bottom: 2rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid #1e293b;
}

/* Mengatur Jarak Elemen di Dalam Text Artikel */
.blog-content p {
    font-size: 1rem;
    line-height: 1.7;
    color: #cbd5e1; /* Kontras tinggi aman PageSpeed */
    margin-bottom: 1.5rem;
}

.blog-content h2 {
    font-size: 1.25rem;
    font-weight: 700;
    color: #ffffff;
    margin-top: 2rem;
    margin-bottom: 0.75rem;
}
@media (min-width: 768px) {
    .blog-content h2 { font-size: 1.5rem; }
}

/* Desain Box Kutipan/Tips */
.blog-content blockquote {
    background-color: #0f172a;
    border-left: 4px solid #f59e0b;
    padding: 1.25rem;
    border-radius: 0.5rem;
    margin: 2rem 0;
}
.blog-content blockquote strong {
    color: #f59e0b;
}

/* Box CTA di Bawah Artikel */
.blog-cta {
    background: linear-gradient(to bottom right, #0f172a, #1e1b4b);
    border: 1px solid #1e293b;
    padding: 2rem;
    border-radius: 1rem;
    text-align: center;
    margin-top: 4rem;
}
.blog-cta h3 {
    color: #ffffff;
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}
.blog-cta p {
    color: #cbd5e1;
    font-size: 0.875rem;
    margin-bottom: 1.5rem;
}

.img-responsive {
    width: 100%;
    height: auto;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
    object-fit: cover;
}