@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(/cms/assets/inter-latin.woff2) format("woff2")}
:root{--navy:#0d1b35;--navy2:#16284a;--gold:#c9a227;--ink:#1c2433;--mute:#5d6882;--line:#e3e7ef;--bg:#f6f8fb;--wa:#1fa855}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);line-height:1.7;font-size:17px;background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:#1a4fb4}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.hp{position:absolute;left:-9999px;opacity:0}
/* header (mirip website utama: putih) */
.hd{background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px 0 #e6e9f0,0 2px 10px rgba(13,27,53,.05)}
.hd-in{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:14px;position:relative}
.logo,.ft-logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.logo img,.ft-logo img{border-radius:8px;display:block}
.lg{display:flex;flex-direction:column;line-height:1}
.lg b{font-size:18px;font-weight:800;letter-spacing:.02em;color:var(--navy)}
.lg small{font-size:10.5px;font-weight:700;letter-spacing:.22em;color:var(--gold);margin-top:3px}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:var(--navy);text-decoration:none;padding:8px 11px;border-radius:8px;font-size:14.5px;font-weight:600;white-space:nowrap}
.nav a:hover{color:var(--gold)}
.nav .nav-cta{background:var(--gold);color:#fff;font-weight:700;margin-left:10px;padding:10px 18px;display:inline-flex;align-items:center;gap:8px}
.nav .nav-cta:hover{background:#b8911f;color:#fff}
.nav-t{display:none}.nav-b{display:none;cursor:pointer;padding:10px}
.nav-b i{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}
/* buttons */
.btn-gold,.btn-wa,.btn-line{display:inline-block;border-radius:10px;padding:13px 24px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;line-height:1.3}
.btn-gold{background:var(--gold);color:#1a1405}.btn-gold:hover{background:#d8b333}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{background:#188f48}
.btn-line{border-color:#fff;color:#fff}.btn-line:hover{background:rgba(255,255,255,.12)}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1b3466 100%);color:#fff;padding:36px 0 44px}
.hero.small{padding:24px 0 28px}
.hero h1{font-size:clamp(28px,4.4vw,44px);line-height:1.2;margin:10px 0 14px;font-weight:800;max-width:900px}
.hook-title{font-size:clamp(19px,2.4vw,25px);font-weight:700;color:var(--gold);margin:0 0 8px;line-height:1.35}
.hook-sub{font-size:18px;color:#dbe3f3;max-width:760px;margin:0 0 20px}
.hero .meta{font-size:13.5px;color:#a9b6d2;margin:18px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;font-size:13.5px}
.crumbs li+li:before{content:"›";margin-right:6px;color:#8fa0c0}
.crumbs a{color:#b9c6e0;text-decoration:none}.crumbs a:hover{color:#fff}.crumbs span{color:#fff}
/* artikel */
.art{padding-top:30px;padding-bottom:20px;max-width:860px}
.featured{margin:0 0 24px}.featured img{border-radius:14px;width:100%;display:block}
.quick{background:#fff8e1;border-left:5px solid var(--gold);border-radius:8px;padding:16px 20px;margin:0 0 24px}
.quick b{display:block;color:#7a5a00;font-size:13px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px}
.quick p{margin:0;font-size:18px;line-height:1.6}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:14px 20px;margin:0 0 28px;font-size:15.5px}
.toc ol{margin:8px 0 0;padding-left:20px}.toc a{text-decoration:none}
.art h2{font-size:clamp(23px,3vw,30px);line-height:1.3;color:var(--navy);margin:38px 0 12px}
.art h3{font-size:21px;color:var(--navy);margin:26px 0 8px}
.problem{background:#fdf1f0;border:1px solid #f3cfcc;border-radius:12px;padding:6px 24px 14px;margin:0 0 26px}
.problem h2{margin-top:18px;color:#8f2a22}
.solution{background:#f1f6ff;border:1px solid #cfdcf5;border-radius:12px;padding:6px 24px 22px;margin:0 0 26px}
.solution h2{margin-top:18px}
.solution ul{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}
.solution ul li{background:#fff;border:1px solid #d6e2f8;border-top:4px solid var(--gold);border-radius:10px;padding:14px 16px;font-size:15.5px;line-height:1.55}
.solution ul li strong{display:block;color:var(--navy);margin-bottom:4px;font-size:16.5px}
.prose p,.prose li{font-size:17.5px}
.prose ul,.prose ol{padding-left:24px}
.prose blockquote{border-left:4px solid var(--line);margin:18px 0;padding:4px 18px;color:var(--mute)}
.prose img{border-radius:10px}
.prose a{font-weight:500}
.tabel-scroll{overflow-x:auto;margin:18px 0}
.tabel-scroll table,.prose table{border-collapse:collapse;width:100%;font-size:15.5px}
.prose th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px}
.prose td{padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose tr:nth-child(even) td{background:#f9fafc}
.catatan-regulasi,.callout{background:#fffbea;border:1px solid #efdca0;border-left:5px solid var(--gold);border-radius:8px;padding:12px 18px;margin:20px 0}
.catatan-regulasi p:last-child,.callout p:last-child{margin-bottom:0}
.faq details{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:10px;font-size:24px;color:var(--gold)}
.faq details[open] summary:after{content:"–"}
.faq .ans{padding:0 18px 12px}
.disc{font-size:13.5px;color:var(--mute);border-top:1px solid var(--line);padding-top:14px;margin-top:30px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}
.card{display:block;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink);background:#fff;transition:.15s}
.card:hover{border-color:var(--gold);box-shadow:0 6px 18px rgba(13,27,53,.09);transform:translateY(-2px)}
.card strong{display:block;color:var(--navy);margin-bottom:6px;line-height:1.35}
.card span{font-size:14.5px;color:var(--mute);line-height:1.5;display:block}
.svc-links{margin-top:16px;font-size:15px}.svc-links a{margin-left:12px}
.topics p{line-height:2.1}.topics a{display:inline-block;background:var(--bg);border:1px solid var(--line);border-radius:99px;padding:2px 14px;margin:0 8px 8px 0;font-size:14.5px;text-decoration:none}
.topics a:hover{border-color:var(--gold)}
.sm{columns:2;padding-left:20px}.sm li{margin:4px 0;break-inside:avoid}
/* kalkulator */
.calc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:6px 22px 22px;margin:30px 0}
.calc .note{font-size:14px;color:var(--mute)}
.calc-grid{display:grid;gap:12px}.calc label{display:block;font-weight:600;font-size:15px}
.calc input{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #c9d1e0;border-radius:8px;font:inherit}
.calc-out{font-size:20px;margin:16px 0 0}.calc-out b{font-size:34px;color:var(--navy)}
/* CTA */
.cta{background:linear-gradient(135deg,var(--navy) 0%,#1b3466 100%);color:#fff;padding:52px 0;margin-top:30px}
.cta-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
.cta h2{font-size:clamp(25px,3.4vw,36px);line-height:1.25;margin:0 0 12px;color:#fff}
.cta p{color:#dbe3f3}
.cta-points{list-style:none;padding:0;margin:18px 0}
.cta-points li{padding-left:30px;position:relative;margin:9px 0;color:#fff}
.cta-points li:before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--gold);color:#1a1405;font-weight:800;text-align:center;line-height:22px;font-size:13px}
.cta-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.lead-form{background:#fff;color:var(--ink);border-radius:14px;padding:22px;box-shadow:0 14px 40px rgba(0,0,0,.28)}
.lead-form h3{margin:0 0 12px;color:var(--navy);font-size:19px}
.lead-form label{display:block;font-weight:600;font-size:14px;margin-bottom:10px}
.lead-form input,.lead-form select,.lead-form textarea{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #c9d1e0;border-radius:8px;font:inherit;font-weight:400;background:#fff}
.lead-form .btn-gold{width:100%;margin-top:4px}
.lead-msg{margin:10px 0 0;font-size:14.5px;min-height:20px;color:var(--mute)}
.lead-msg.ok{color:#14633a;font-weight:700}.lead-msg.err{color:#b3261e}
/* footer */
.ft{background:#091226;color:#b6c2dc;padding:42px 0 18px;margin-top:0;font-size:14.5px;line-height:1.6}
.ft a{color:#d6deee;text-decoration:none}.ft a:hover{color:var(--gold)}
.ft-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.4fr;gap:28px}
.ft h3{color:var(--gold);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}
.ft ul{list-style:none;padding:0;margin:0}.ft li{margin:5px 0}
.ft .lg b{color:#fff}.ft p{margin:10px 0}.ft-btns{display:flex;gap:8px;flex-wrap:wrap}
.ft-btns a{display:inline-block;padding:8px 16px;border-radius:8px;font-weight:700;font-size:13.5px;color:#fff}
.ft-btns .b-wa{background:var(--wa)}.ft-btns .b-mail{background:#1b2f55}.ft-btns a:hover{color:#fff;opacity:.9}
.ft-topics{margin-top:22px;padding-top:18px;border-top:1px solid #1b2f55}.ft-topics p{line-height:2.2;margin:0}
.ft-topics a{display:inline-block;border:1px solid #1b2f55;border-radius:99px;padding:1px 13px;margin:0 8px 8px 0;font-size:13.5px}
.ft-copy{border-top:1px solid #1b2f55;margin-top:26px;padding-top:16px;font-size:13px;color:#8393b3}
/* melayang */
.wa-float{position:fixed;right:18px;bottom:20px;width:58px;height:58px;border-radius:50%;background:var(--wa);display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.3);z-index:60}
.wa-float:hover{background:#188f48}
.mbar{display:none}
.preview-bar{background:#c9a227;color:#1a1405;text-align:center;padding:8px;font-weight:700;font-size:14px;position:sticky;top:0;z-index:70}
@media(max-width:900px){
 .cta-grid{grid-template-columns:1fr}
 .ft-grid{grid-template-columns:1fr 1fr}
 .sm{columns:1}
}
@media(max-width:640px){
 body{font-size:16.5px;padding-bottom:62px}
 .ft-grid{grid-template-columns:1fr}
 .wa-float{display:none}
 .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -4px 14px rgba(0,0,0,.2)}
 .mbar a{flex:1;text-align:center;padding:15px 8px;font-weight:700;text-decoration:none;color:#fff;font-size:15px}
 .mb-wa{background:var(--wa)}.mb-tel{background:var(--navy)}
 .hero{padding:26px 0 32px}.hook-sub{font-size:16.5px}
 .btn-gold,.btn-wa,.btn-line{width:100%;text-align:center}
 .cta-btns{flex-direction:column}
}

@media(max-width:1060px){
 .nav-b{display:block}
 .nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;flex-direction:column;align-items:stretch;padding:8px 20px 18px;gap:0;box-shadow:0 12px 22px rgba(13,27,53,.14)}
 .nav-t:checked~.nav{display:flex}
 .nav a{padding:13px 6px;border-bottom:1px solid #eef1f6;border-radius:0}
 .nav .nav-cta{margin:14px 0 0;justify-content:center;border-radius:10px;border:0}
}

/* blog */
.bhero{background:var(--navy);color:#fff;text-align:center;padding:56px 0 60px}
.bhero small{color:var(--gold);letter-spacing:.2em;font-weight:800;font-size:12.5px;text-transform:uppercase}
.bhero h1{font-size:clamp(30px,4.6vw,48px);margin:10px 0 12px;font-weight:800;line-height:1.15}
.bhero p{color:#c3cfe6;max-width:640px;margin:0 auto}
.bwrap{max-width:1100px;margin:0 auto;padding:44px 20px 10px}
.bwrap h2{font-size:22px;color:var(--navy);margin:0 0 18px}
.bgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-bottom:34px}
.bc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;text-decoration:none;color:inherit;transition:.2s}
.bc:hover{box-shadow:0 10px 28px rgba(13,27,53,.1);border-color:#e3cf86}
.bc-img{position:relative;aspect-ratio:16/9;background:linear-gradient(135deg,#0d1b35,#1b3466);overflow:hidden}
.bc-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .3s}
.bc:hover .bc-img img{transform:scale(1.04)}
.bc-tag{position:absolute;left:14px;top:14px;background:var(--gold);color:#fff;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:99px}
.bc-star{position:absolute;right:14px;top:14px;background:#fff;color:#8a6a00;font-size:11.5px;font-weight:800;padding:4px 10px;border-radius:99px}
.bc-body{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}
.bc-meta{font-size:12.5px;color:#8792aa;margin-bottom:8px}
.bc h3{font-size:18px;line-height:1.35;color:var(--navy);margin:0 0 8px}
.bc p{font-size:14.5px;color:var(--mute);line-height:1.6;margin:0 0 12px;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.bc-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}
.bc-tags span{background:var(--bg);border:1px solid var(--line);border-radius:99px;padding:1px 10px;font-size:11.5px;color:var(--mute)}
.bc-more{margin-top:auto;color:var(--gold);font-weight:800;font-size:14px}
.bhl{background:#fffbea;border:1px solid #efdca0;border-radius:18px;padding:22px 22px 0;margin-bottom:38px}
.cpager{display:flex;gap:8px;justify-content:center;margin:6px 0 34px}
.cpager a{padding:7px 14px;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:600}
.cpager a.on{background:var(--navy);color:#fff;border-color:var(--navy)}
@media(max-width:760px){.bgrid{grid-template-columns:1fr}.bhl{padding:16px 14px 0}}