:root{
  --navy:#0f172a;--primary:#0e3a5d;--primary-dark:#0a2a44;--gold:#b45309;--gold-soft:#fff7ed;--bg:#ffffff;--bg-soft:#f8fafc;--border:#e2e8f0;--border-light:#f1f5f9;--text:#334155;--muted:#64748b;--white:#fff;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(1160px,92%);margin:0 auto}

/* topbar ala hsari: tipis, 3 kolom */
.topbar{background:#fff;border-bottom:1px solid var(--border-light);color:var(--muted);font-size:.76rem;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;align-items:center}
.topbar a{color:var(--primary);font-weight:700}
.topbar strong{color:var(--navy)}
.trust-badge{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.trust-badge span{background:#f8fafc;color:#475569;font-size:.68rem;padding:3px 8px;border-radius:20px;border:1px solid var(--border)}

/* header hsari: clean white, sticky */
header.main{background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--border-light);position:sticky;top:0;z-index:50}
header.main .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px}
.brand .logo{width:40px;height:40px;flex-shrink:0}
.brand .name{font-size:1.28rem;font-weight:900;color:var(--primary);line-height:1;letter-spacing:.2px}
.brand .name span{color:var(--gold)}
.brand .tagline{font-size:.62rem;color:var(--muted);letter-spacing:1.3px;text-transform:uppercase;font-weight:700}
.nav-links{display:flex;gap:2px;list-style:none;align-items:center}
.nav-links a{padding:8px 12px;border-radius:8px;font-weight:700;font-size:.86rem;color:#334155}
.nav-links a:hover{color:var(--primary);background:#f8fafc}
.nav-links a.active{color:var(--primary);background:#eff6ff}
.utility{display:flex;align-items:center;gap:10px}
.utility .btn-wa-sm{background:var(--primary);color:#fff;padding:8px 14px;border-radius:8px;font-weight:800;font-size:.84rem}
.utility .btn-wa-sm:hover{background:var(--primary-dark)}
.utility .lang{border:1px solid var(--border);padding:6px 10px;border-radius:8px;background:#fff;font-size:.84rem;font-weight:700;color:var(--navy)}
.burger{display:none;width:42px;height:42px;border:1.5px solid var(--border);background:#fff;border-radius:10px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:2px;transition:.22s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0;transform:scaleX(0)}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-overlay{position:fixed;inset:0;z-index:70;background:rgba(15,23,42,.42);backdrop-filter:blur(2px);opacity:0;pointer-events:none;transition:.25s}
.nav-overlay.open{opacity:1;pointer-events:auto}
.mobile-nav{position:fixed;top:0;right:0;z-index:71;width:min(360px,88vw);height:100dvh;background:#fff;box-shadow:-16px 0 44px rgba(0,0,0,.14);transform:translateX(100%);transition:.3s cubic-bezier(.32,.72,0,1);display:flex;flex-direction:column;overflow-y:auto}
.mobile-nav.open{transform:translateX(0)}
.mobile-nav[hidden]{display:none}
.mn-head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 16px;border-bottom:1px solid var(--border-light)}
.mn-close{width:38px;height:38px;border-radius:10px;border:1px solid var(--border);background:#fff;cursor:pointer;display:grid;place-items:center;font-size:1.15rem}
.mn-body{padding:14px 16px 22px;display:grid;gap:18px}
.mn-section h4{font-size:.72rem;letter-spacing:.9px;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.mn-links{list-style:none;display:grid;gap:8px}
.mn-links a{display:flex;gap:10px;padding:12px 14px;border-radius:10px;font-weight:700;font-size:.94rem;color:var(--navy);background:#f8fafc;border:1px solid #f1f5f9}
.mn-links a.active{background:var(--primary);color:#fff;border-color:var(--primary)}
.mn-utility{list-style:none;display:grid;gap:8px}
.mn-utility a{display:flex;gap:10px;padding:11px 14px;border-radius:10px;font-weight:600;font-size:.88rem;color:var(--navy);border:1px solid var(--border);background:#fff}
.mn-foot{padding:14px 16px;border-top:1px solid var(--border-light);background:#f8fafc;display:grid;gap:10px}
body.nav-open{overflow:hidden}

/* buttons */
.btn{display:inline-block;background:var(--primary);color:#fff;padding:11px 18px;border-radius:10px;font-weight:800;border:none;cursor:pointer;font-size:.9rem;transition:.15s}
.btn:hover{background:var(--primary-dark)}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#92400e}
.btn-outline{background:#fff;border:1.5px solid var(--border);color:var(--navy)}
.btn-outline:hover{border-color:var(--primary);color:var(--primary);background:#eff6ff}
.btn-wa{background:#0e9f6e}
.btn-wa:hover{background:#057a55}

/* hero hsari-style: white, editorial */
.hero{background:linear-gradient(180deg,#f8fafc 0%,#ffffff 55%);padding:28px 0 18px;border-bottom:1px solid var(--border-light)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#eff6ff;border:1px solid #dbeafe;color:#1e40af;font-size:.68rem;font-weight:800;letter-spacing:.9px;padding:6px 10px;border-radius:20px;margin-bottom:14px}
.eyebrow i{width:6px;height:6px;background:#f59e0b;border-radius:50%;display:inline-block}
.hero-inner{display:grid;grid-template-columns:1.15fr .9fr;gap:36px;align-items:center}
.hero-copy h1{font-size:clamp(1.9rem,4.2vw,2.65rem);line-height:1.05;color:var(--navy);letter-spacing:-.6px;margin-bottom:12px}
.hero-copy h1 span{color:var(--primary)}
.hero-copy .sub{font-size:1rem;color:#475569;max-width:560px;margin-bottom:16px}
.hero-bullets{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0 0;font-size:.82rem;color:#334155}
.hero-bullets span{display:inline-flex;gap:6px;align-items:center;background:#fff;border:1px solid var(--border);padding:6px 10px;border-radius:20px}
.hero-bullets span i{color:var(--primary);font-style:normal}
.hero-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.hero-trust{margin-top:16px;display:flex;gap:18px;flex-wrap:wrap;font-size:.76rem;color:var(--muted);border-top:1px solid var(--border-light);padding-top:14px}
.hero-trust b{color:var(--navy);font-size:1rem;display:block;line-height:1}
.hero-visual{position:relative}
.hero-visual img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:18px;border:1px solid var(--border);box-shadow:0 16px 40px rgba(15,23,42,.08)}
.float-card{position:absolute;left:-14px;bottom:-14px;background:#fff;border:1px solid var(--border);border-radius:14px;padding:12px 14px;display:flex;gap:10px;align-items:center;box-shadow:0 12px 28px rgba(15,23,42,.10)}
.float-card .ic{width:36px;height:36px;border-radius:10px;background:#eff6ff;display:grid;place-items:center;font-size:1.1rem}
.float-card strong{color:var(--navy);font-size:.88rem}
.float-card span{font-size:.76rem;color:var(--muted)}
.calc-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:16px;box-shadow:0 12px 32px rgba(15,23,42,.06);margin-top:16px}
.calc-card h3{font-size:.96rem;color:var(--navy);margin-bottom:2px}
.calc-card .hint{font-size:.76rem;color:var(--muted);margin-bottom:12px}
.calc-grid{display:grid;gap:12px}
.calc-row label{font-size:.72rem;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;display:flex;justify-content:space-between}
.calc-row input[type=range]{width:100%;accent-color:var(--primary);margin:6px 0}
.calc-row .val{font-weight:800;color:var(--primary)}
.calc-result{background:var(--navy);color:#fff;border-radius:12px;padding:12px 14px;display:flex;justify-content:space-between;align-items:center}
.calc-result b{font-size:1.2rem}
.calc-result span{font-size:.72rem;opacity:.88}
.calc-note{font-size:.7rem;color:var(--muted);text-align:center;margin-top:8px}

/* sections hsari: clean */
section{padding:52px 0}
section.alt{background:var(--bg-soft);border-block:1px solid var(--border-light)}
.section-title{max-width:720px;margin:0 auto 32px;text-align:center}
.section-title h2{font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);margin-bottom:8px;letter-spacing:-.3px}
.section-title p{color:var(--muted);font-size:.94rem}
.eyebrow-section{display:inline-flex;background:#eff6ff;border:1px solid #dbeafe;color:var(--primary);font-size:.68rem;font-weight:800;letter-spacing:.9px;padding:5px 10px;border-radius:20px;margin-bottom:10px}
.grid{display:grid;gap:18px}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;transition:.18s}
.card:hover{box-shadow:0 8px 24px rgba(15,23,42,.06);transform:translateY(-2px)}
.card .icon{font-size:1.4rem;margin-bottom:8px}
.card h3{font-size:.98rem;color:var(--navy);margin-bottom:6px}
.card p{font-size:.86rem;color:var(--muted)}
.card .more{display:inline-block;margin-top:10px;color:var(--primary);font-weight:800;font-size:.82rem}
.kredit-card{position:relative}
.kredit-card .badge{position:absolute;top:10px;right:10px;background:#fff7ed;border:1px solid #fed7aa;color:#9a3412;font-size:.68rem;font-weight:800;padding:3px 8px;border-radius:20px}
.kredit-card .price{font-size:1.02rem;font-weight:900;color:var(--primary);margin:6px 0 4px}
.kredit-card ul{margin:8px 0 0 18px;font-size:.84rem;color:var(--muted)}
.answer-box{background:#fff;border:1px solid #fde68a;border-left:4px solid #f59e0b;border-radius:12px;padding:16px 18px;margin:0 auto 28px;max-width:860px}
.answer-box h3{color:#92400e;font-size:.88rem;margin-bottom:6px}
.answer-box p{font-size:.9rem;color:#78350f;line-height:1.65}
.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:12px;background:#fff}
table{width:100%;border-collapse:collapse;font-size:.86rem}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--border-light)}
th{background:#f8fafc;color:var(--primary);font-size:.72rem;text-transform:uppercase;letter-spacing:.5px}
tbody tr:hover{background:#f8fafc}
.steps{counter-reset:step;display:grid;gap:14px}
.step{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:12px;padding:14px}
.step::before{counter-increment:step;content:counter(step);background:var(--primary);color:#fff;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-weight:900;flex-shrink:0;font-size:.9rem}
.step h3{color:var(--navy);font-size:.94rem;margin-bottom:2px}
.step p{font-size:.84rem;color:var(--muted)}
.testi{text-align:left;border-left:3px solid var(--border)}
.testi .stars{color:#f59e0b;letter-spacing:1px;margin-bottom:6px;font-size:.9rem}
.testi blockquote{color:var(--navy);font-size:.9rem;margin-bottom:6px}
.testi cite{color:var(--muted);font-size:.78rem}
.faq{max-width:800px;margin:0 auto}
details{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:10px;overflow:hidden}
summary{cursor:pointer;padding:14px 16px;font-weight:800;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center;font-size:.92rem}
summary::-webkit-details-marker{display:none}
summary::after{content:'+';font-size:1.2rem;color:var(--primary);transition:.2s}
details[open] summary::after{transform:rotate(45deg)}
details .body{padding:0 16px 14px;font-size:.86rem;color:var(--muted);line-height:1.65}
.article-card{overflow:hidden;padding:0}
.article-card img{height:160px;width:100%;object-fit:cover;background:#f1f5f9}
.article-card .a-body{padding:14px}
.article-card .a-meta{font-size:.72rem;color:var(--muted);margin-bottom:6px;letter-spacing:.3px}
.article-card h3{font-size:.95rem;margin-bottom:6px}
.article-card h3 a:hover{color:var(--primary)}
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{margin-bottom:8px}
.cta-band p{opacity:.88;margin-bottom:16px}
.cta-badges{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-top:14px;font-size:.74rem;color:#cbd5e1}
.cta-badges span{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.06);padding:6px 10px;border-radius:20px}
.breadcrumb{padding:10px 0;font-size:.78rem;color:var(--muted)}
.breadcrumb a:hover{color:var(--primary)}
.page-hero{background:#f8fafc;border-bottom:1px solid var(--border-light);padding:28px 0}
.page-hero h1{font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy)}
.page-hero p{color:var(--muted);max-width:640px;margin-top:6px}
footer{background:#0b1220;color:#94a3b8;padding:36px 0 0;font-size:.84rem}
footer .f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;padding-bottom:24px}
footer h4{color:#fff;margin-bottom:10px;font-size:.92rem}
footer ul{list-style:none}
footer li{margin-bottom:7px}
footer a:hover{color:#fff}
.f-bottom{border-top:1px solid #1e293b;padding:12px 0;text-align:center;font-size:.74rem;color:#64748b}
.foot-legal{max-width:860px;margin:10px auto 0;font-size:.7rem;line-height:1.6;color:#64748b;text-align:center}
.modal-overlay{position:fixed;inset:0;z-index:100;background:rgba(15,23,42,.5);display:flex;align-items:center;justify-content:center;padding:20px}
.modal-overlay[hidden]{display:none}
.modal-box{background:#fff;border-radius:14px;padding:24px;width:100%;max-width:380px;position:relative;text-align:center;box-shadow:0 24px 60px rgba(0,0,0,.25)}
.modal-close{position:absolute;top:10px;right:12px;background:none;border:none;font-size:1.15rem;cursor:pointer;color:var(--muted)}
.modal-box h3{font-size:1.12rem;color:var(--navy);margin-bottom:2px}
.modal-sub{font-size:.82rem;color:var(--muted);margin-bottom:16px}
.lang-options{display:grid;gap:10px;margin-bottom:16px}
.lang-opt{display:flex;align-items:center;gap:12px;border:1.5px solid var(--border);border-radius:10px;padding:11px 14px;cursor:pointer;text-align:left}
.lang-opt:hover{border-color:#bfdbfe;background:#eff6ff}
.lang-opt input{display:none}
.radio-dot{width:18px;height:18px;border-radius:50%;border:2px solid #cbd5e1;flex-shrink:0;display:grid;place-items:center}
.lang-opt input:checked + .radio-dot{border-color:var(--primary);background:radial-gradient(circle,var(--primary) 0 45%,#fff 46%)}
.opt-txt{font-weight:700;color:var(--navy);font-size:.92rem}
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr}
  .hero-visual{display:none}
  footer .f-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
  .burger{display:flex}
  .utility .hide-m{display:none}
}
@media(max-width:640px){
  .hero{padding:22px 0 16px}
  footer .f-grid{grid-template-columns:1fr}
  section{padding:36px 0}
  .float-card{position:static;margin-top:12px}
}