/* ============================
   VARIABLES
   ============================ */
:root {
  --bg-primary: #ffffff;
  --bg-secondary: #f0f4f8;
  --bg-card: #ffffff;
  --bg-glass: rgba(255,255,255,0.85);
  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #94a3b8;
  --accent-1: #363b8e;
  --accent-2: #e41e2d;
  --accent-3: #00a1f1;
  --accent-glow: rgba(54,59,142,0.12);
  --border-light: rgba(0,0,0,0.06);
  --border-med: rgba(0,0,0,0.1);
  --green: #10b981;
  --red: #e41e2d;
  --yellow: #f59e0b;
  --radius: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --shadow-card: 0 8px 32px rgba(0,0,0,0.06);
  --shadow-glow: 0 0 30px rgba(54,59,142,0.08);
  --transition: 0.35s cubic-bezier(.4,0,.2,1);
  --font-body: 'Inter', -apple-system, system-ui, sans-serif;
  --font-display: 'Plus Jakarta Sans', 'Inter', sans-serif;
  --max-width: 1200px;
  --navbar-height: 72px;
}

/* ============================
   RESET / BASE
   ============================ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{
  font-family:var(--font-body);
  background:var(--bg-primary);
  color:var(--text-primary);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{cursor:pointer;border:none;background:none;font:inherit;color:inherit}
ul{list-style:none}
input,textarea,select{font:inherit;color:inherit}
::selection{background:var(--accent-1);color:#fff}
:focus-visible{outline:2px solid var(--accent-1);outline-offset:2px}

.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 24px}

/* ============================
   NAVBAR
   ============================ */
.navbar{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  background:rgba(255,255,255,0.9);
  backdrop-filter:blur(20px) saturate(1.4);
  -webkit-backdrop-filter:blur(20px) saturate(1.4);
  border-bottom:1px solid rgba(0,0,0,0.06);
  height:var(--navbar-height);
  transition:var(--transition)
}
.navbar.scrolled{background:rgba(255,255,255,0.98);box-shadow:0 4px 30px rgba(0,0,0,0.06)}
.navbar-inner{display:flex;align-items:center;justify-content:space-between;height:100%}
.logo{display:flex;align-items:center;gap:10px}
.logo-icon{height:55px;width:auto;flex-shrink:0}
.logo-text{display:flex;flex-direction:column}
.logo-title{font-weight:700;font-size:0.95rem;letter-spacing:-0.01em;color:var(--text-primary)}
.logo-sub{font-size:0.7rem;color:var(--text-muted);letter-spacing:0.3px}
.nav-actions{display:flex;align-items:center;gap:12px}

.nav-cta{display:inline-flex}

.btn{
  display:inline-flex;align-items:center;gap:8px;
  font-weight:600;font-size:0.9rem;border-radius:var(--radius);
  transition:var(--transition);position:relative;overflow:hidden
}
.btn-primary{
  background:linear-gradient(135deg,var(--accent-1),var(--accent-3));
  color:#fff;padding:12px 24px;border:none
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 30px var(--accent-glow)}
.btn-outline{
  background:transparent;color:var(--text-primary);padding:12px 24px;
  border:1px solid rgba(0,0,0,0.15)
}
.btn-outline:hover{background:rgba(0,0,0,0.03);border-color:rgba(0,0,0,0.25)}
.btn-sm{padding:10px 18px;font-size:0.85rem;border-radius:8px}
.btn-lg{padding:16px 32px;font-size:1rem;border-radius:14px}
.btn-block{width:100%;justify-content:center}
.btn svg{flex-shrink:0}

.pulse-glow{animation:pulseGlow 3s ease-in-out infinite}
@keyframes pulseGlow{
  0%,100%{box-shadow:0 0 20px rgba(54,59,142,0.08)}
  50%{box-shadow:0 0 40px rgba(54,59,142,0.12),0 0 60px rgba(0,161,241,0.1)}
}

/* ============================
   HERO
   ============================ */
.hero{
  position:relative;min-height:100vh;display:flex;align-items:center;
  padding-top:var(--navbar-height);overflow:hidden
}
.hero-bg{position:absolute;inset:0;overflow:hidden;pointer-events:none}
.hero-glow{
  position:absolute;border-radius:50%;filter:blur(80px);opacity:0.07
}
.glow-1{width:600px;height:600px;background:var(--accent-1);top:-200px;right:-150px}
.glow-2{width:500px;height:500px;background:var(--accent-3);bottom:-200px;left:-100px}
.hero-grid{
  position:absolute;inset:0;
  background-image:linear-gradient(rgba(0,0,0,0.03) 1px,transparent 1px),
    linear-gradient(90deg,rgba(0,0,0,0.03) 1px,transparent 1px);
  background-size:60px 60px;
  mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%);
  -webkit-mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%)
}

.hero-content{
  position:relative;z-index:2;display:grid;
  grid-template-columns:1fr;gap:48px;padding:60px 0 80px
}
@media(min-width:1024px){
  .hero-content{grid-template-columns:1.1fr 0.9fr;align-items:center;padding:40px 0 60px}
}

.hero-text{max-width:640px}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(54,59,142,0.06);border:1px solid rgba(54,59,142,0.12);
  padding:8px 16px;border-radius:50px;font-size:0.8rem;font-weight:500;
  color:var(--accent-1);margin-bottom:24px
}
.badge-dot{width:6px;height:6px;border-radius:50%;background:var(--accent-1);animation:badgePulse 2s ease-in-out infinite}
@keyframes badgePulse{0%,100%{opacity:1}50%{opacity:0.4}}

.hero-title{
  font-family:var(--font-display);font-size:clamp(2rem,5vw,3.5rem);
  font-weight:800;line-height:1.15;margin-bottom:20px;
  letter-spacing:-0.02em
}
.gradient-text{
  background:linear-gradient(135deg,var(--accent-1),var(--accent-3));
  -webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent
}
.hero-desc{
  font-size:1.05rem;color:var(--text-secondary);line-height:1.7;
  max-width:540px;margin-bottom:32px
}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:32px}

/* stats */
.hero-stats{display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap}
.stat-item{display:flex;align-items:baseline;justify-content:center;gap:2px;flex-wrap:wrap}
.stat-number{font-family:var(--font-display);font-size:1.6rem;font-weight:800;color:var(--text-primary)}
.stat-plus,.stat-pct{font-size:1rem;font-weight:700;color:var(--accent-1)}
.stat-label{font-size:0.8rem;color:var(--text-muted);width:100%}
.stat-divider{width:1px;height:30px;background:rgba(0,0,0,0.08)}

/* hero visual card */
.hero-visual{position:relative}

/* hero image */
.hero-image-wrapper{
  position:relative;z-index:2;border-radius:var(--radius-xl);
  overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,0.08);
  aspect-ratio:4/3;background:var(--bg-card)
}
.hero-image{
  width:100%;height:100%;object-fit:cover;display:block;
  transition:transform 0.7s ease
}
.hero-image-wrapper:hover .hero-image{transform:scale(1.03)}
.hero-image-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg,transparent 50%,rgba(54,59,142,0.06));
  pointer-events:none
}
.hero-image-badge{
  position:absolute;bottom:16px;left:16px;display:inline-flex;
  align-items:center;gap:6px;background:var(--accent-1);
  padding:8px 14px;border-radius:50px;font-size:0.75rem;font-weight:500;
  color:#fff
}
.hero-image-badge svg{flex-shrink:0;color:var(--green)}

.hero-wave{position:absolute;bottom:-1px;left:0;right:0;z-index:3;line-height:0}
.hero-wave svg{width:100%;height:auto;display:block}

/* ============================
   TRUST BAR
   ============================ */
.trust-bar{
  background:rgba(0,0,0,0.02);
  border-top:1px solid rgba(0,0,0,0.03);
  border-bottom:1px solid rgba(0,0,0,0.03);
  padding:24px 0;
  overflow:hidden
}
.trust-bar-inner{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:24px}
.trust-label{font-size:0.8rem;color:var(--text-muted);font-weight:500;text-transform:uppercase;letter-spacing:1px;flex-shrink:0}
.trust-slider{overflow:hidden;max-width:100%}
.trust-slider-track{
  display:flex;align-items:center;gap:24px;width:max-content;
  animation:trustScroll 18s linear infinite
}
.trust-logo-item{display:flex;align-items:center;gap:8px;white-space:nowrap}
.trust-svg{width:60px;height:28px}
.trust-logo-item span{font-size:0.75rem;color:var(--text-muted)}
@keyframes trustScroll{
  0%{transform:translateX(0)}
  100%{transform:translateX(-50%)}
}
@keyframes testiScroll{
  0%{transform:translateX(0)}
  100%{transform:translateX(-50%)}
}

/* ============================
   SECTIONS
   ============================ */
.section{padding:80px 0}
@media(min-width:768px){.section{padding:100px 0}}
.section-dark{background:var(--bg-secondary)}
.section-header{text-align:center;margin-bottom:48px;max-width:740px;margin-left:auto;margin-right:auto}
.section-tag{
  display:inline-block;
  background:rgba(54,59,142,0.08);border:1px solid rgba(54,59,142,0.1);
  padding:6px 14px;border-radius:50px;font-size:0.75rem;font-weight:600;
  text-transform:uppercase;letter-spacing:1.2px;color:var(--accent-1);margin-bottom:16px
}
.section-tag-light{background:rgba(54,59,142,0.05);border-color:rgba(54,59,142,0.12);color:var(--accent-1)}
.section-title{
  font-family:var(--font-display);font-size:clamp(1.6rem,3.5vw,2.5rem);
  font-weight:800;line-height:1.2;margin-bottom:16px;letter-spacing:-0.02em
}
.section-title-light{color:var(--text-primary)}
.section-desc{font-size:1rem;color:var(--text-secondary);line-height:1.7}
.section-desc-light{color:var(--text-muted)}
.section-cta{text-align:center;margin-top:40px}

/* ============================
   CARDS
   ============================ */
.grid-3{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:640px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.grid-3{grid-template-columns:repeat(3,1fr)}}

.card{
  background:var(--bg-card);border:1px solid rgba(0,0,0,0.06);
  border-radius:var(--radius-lg);padding:32px;transition:var(--transition)
}
.card:hover{border-color:rgba(54,59,142,0.12);transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,0.06)}
.card-icon{text-align:center}
.card-icon-circle{
  width:52px;height:52px;border-radius:16px;display:inline-flex;
  align-items:center;justify-content:center;margin-bottom:16px
}
.card-icon-red{background:rgba(239,68,68,0.12);color:var(--red)}
.card-icon-green{background:rgba(16,185,129,0.12);color:var(--green)}
.card h3{font-family:var(--font-display);font-size:1.1rem;font-weight:700;margin-bottom:10px}
.card p{font-size:0.9rem;color:var(--text-secondary);line-height:1.6}

.card-glass{
  background:var(--bg-glass);backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(0,0,0,0.06);text-align:center
}

/* solusi cards */
.solusi-grid{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:640px){.solusi-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.solusi-grid{grid-template-columns:repeat(3,1fr)}}
.solusi-card{text-align:center;padding:36px 28px}
.solusi-card-icon{
  width:56px;height:56px;border-radius:16px;display:inline-flex;
  align-items:center;justify-content:center;margin-bottom:16px;
  background:rgba(54,59,142,0.08);color:var(--accent-1)
}
.solusi-card h3{font-family:var(--font-display);font-size:1.05rem;font-weight:700;margin-bottom:10px}
.solusi-card p{font-size:0.88rem;color:var(--text-secondary);line-height:1.65}

/* ============================
   BENEFITS
   ============================ */
.benefits-grid{display:grid;grid-template-columns:1fr;gap:16px}
@media(min-width:640px){.benefits-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.benefits-grid{grid-template-columns:repeat(3,1fr)}}
.benefit-item{
  display:flex;align-items:flex-start;gap:16px;
  background:var(--bg-card);border:1px solid rgba(0,0,0,0.05);
  border-radius:var(--radius);padding:20px 24px;transition:var(--transition)
}
.benefit-item:hover{border-color:rgba(54,59,142,0.1);background:rgba(54,59,142,0.03)}
.benefit-icon{
  flex-shrink:0;width:44px;height:44px;border-radius:12px;
  background:rgba(54,59,142,0.08);display:flex;align-items:center;justify-content:center;
  color:var(--accent-1)
}
.benefit-item h4{font-weight:600;font-size:0.95rem;margin-bottom:4px}
.benefit-item p{font-size:0.82rem;color:var(--text-muted);line-height:1.5}

/* ============================
   SKEMA PRICING CARDS
   ============================ */
.section-sim{background:var(--bg-secondary)}
.skema-grid{display:grid;grid-template-columns:1fr;gap:24px;max-width:1100px;margin:0 auto}
@media(min-width:768px){.skema-grid{grid-template-columns:repeat(3,1fr)}}
.skema-card{
  background:var(--bg-glass);backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(0,0,0,0.06);border-radius:var(--radius-lg);
  padding:32px 24px;display:flex;flex-direction:column;gap:20px;
  transition:var(--transition);position:relative;
  text-align:center
}
.skema-card:hover{border-color:rgba(54,59,142,0.12);transform:translateY(-6px);box-shadow:0 16px 48px rgba(0,0,0,0.06)}
.skema-card-featured{
  border-color:rgba(54,59,142,0.15);
  background:rgba(54,59,142,0.05);
  transform:scale(1.03)
}
.skema-card-featured:hover{transform:scale(1.03) translateY(-6px)}
.skema-badge{
  position:absolute;top:-1px;left:50%;transform:translateX(-50%);
  background:var(--bg-card);border:1px solid rgba(0,0,0,0.06);
  padding:4px 14px;border-radius:0 0 var(--radius) var(--radius);
  font-size:0.7rem;font-weight:600;text-transform:uppercase;
  letter-spacing:1px;color:var(--text-muted)
}
.skema-badge-populer{background:var(--accent-2);color:#fff;border-color:var(--accent-2)}
.skema-badge-cepat{background:var(--accent-1);color:#fff;border-color:var(--accent-1)}
.skema-header{display:flex;align-items:baseline;justify-content:center;gap:4px;margin-top:8px}
.skema-amount{font-family:var(--font-display);font-size:2.2rem;font-weight:800;color:var(--text-primary)}
.skema-unit{font-size:1rem;font-weight:600;color:var(--text-muted)}
.skema-period{font-size:0.9rem;color:var(--text-muted);font-weight:500}
.skema-duration{padding:12px 0;border-top:1px solid rgba(0,0,0,0.05);border-bottom:1px solid rgba(0,0,0,0.05)}
.skema-dur-value{display:block;font-family:var(--font-display);font-size:1.5rem;font-weight:800;color:var(--accent-1)}
.skema-dur-label{font-size:0.75rem;color:var(--text-muted);margin-top:2px}
.skema-total{}
.skema-total-label{display:block;font-size:0.75rem;color:var(--text-muted);margin-bottom:2px}
.skema-total-value{font-family:var(--font-display);font-size:1.1rem;font-weight:700;color:var(--text-primary)}
.skema-fasilitas{display:flex;flex-direction:column;gap:10px;text-align:left;padding:0 8px}
.skema-fasilitas li{display:flex;align-items:center;gap:8px;font-size:0.85rem;color:var(--text-secondary)}
.skema-fasilitas svg{flex-shrink:0}
.skema-guarantee{
  display:flex;align-items:center;justify-content:center;gap:6px;
  font-size:0.78rem;font-weight:600;color:var(--yellow);
  padding:8px 12px;background:rgba(245,158,11,0.08);
  border-radius:var(--radius);border:1px solid rgba(245,158,11,0.15)
}
.skema-bottom-note{font-size:0.85rem;color:var(--text-muted);max-width:600px;margin:0 auto;line-height:1.6}

/* ============================
   TESTIMONIALS
   ============================ */
.testi-slider{overflow:hidden;width:100%;padding:4px 0}
.testi-slider-track{
  display:flex;gap:20px;width:max-content;
  animation:testiScroll 50s linear infinite
}
.testi-card{
  background:var(--bg-glass);backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(0,0,0,0.06);border-radius:var(--radius-lg);
  padding:28px;transition:var(--transition);display:flex;flex-direction:column;gap:16px;
  width:320px;flex-shrink:0
}
.testi-card:hover{border-color:rgba(54,59,142,0.1);transform:translateY(-3px)}
.testi-stars{display:flex;gap:3px}
.testi-card p{font-size:0.9rem;color:var(--text-secondary);line-height:1.7;flex:1}
.testi-author{display:flex;align-items:center;gap:12px;padding-top:12px;border-top:1px solid rgba(0,0,0,0.05)}
.testi-avatar{
  width:40px;height:40px;border-radius:50%;
  background:linear-gradient(135deg,var(--accent-1),var(--accent-3));
  display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:0.9rem;color:#fff;flex-shrink:0
}
.testi-author strong{display:block;font-size:0.85rem}
.testi-author span{font-size:0.75rem;color:var(--text-muted)}

/* ============================
   FAQ
   ============================ */
.faq-list{max-width:700px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{
  background:var(--bg-card);border:1px solid rgba(0,0,0,0.06);
  border-radius:var(--radius);overflow:hidden;transition:var(--transition)
}
.faq-item:hover{border-color:rgba(54,59,142,0.08)}
.faq-question{
  width:100%;display:flex;align-items:center;justify-content:space-between;
  padding:20px 24px;font-weight:600;font-size:0.95rem;text-align:left;gap:16px
}
.faq-chevron{flex-shrink:0;transition:transform 0.3s ease;color:var(--text-muted)}
.faq-item[data-open] .faq-chevron{transform:rotate(180deg)}
.faq-answer{
  max-height:0;overflow:hidden;transition:max-height 0.4s ease,padding 0.3s ease
}
.faq-item[data-open] .faq-answer{max-height:300px}
.faq-answer p{padding:0 24px 20px;font-size:0.9rem;color:var(--text-secondary);line-height:1.7}

/* ============================
   CTA FORM
   ============================ */
.section-cta-form{
  background:var(--bg-secondary);
  position:relative;overflow:hidden
}
.section-cta-form::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse at 50% 0%,rgba(54,59,142,0.06),transparent 70%);
  pointer-events:none
}
.cta-form-inner{display:grid;grid-template-columns:1fr;gap:40px;position:relative;z-index:2}
@media(min-width:1024px){.cta-form-inner{grid-template-columns:1fr 1fr;align-items:start}}
.cta-form-text{}
.cta-form-title{
  font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.2rem);
  font-weight:800;line-height:1.2;margin-bottom:16px;letter-spacing:-0.02em
}
.cta-form-desc{font-size:1rem;color:var(--text-secondary);line-height:1.7;margin-bottom:24px}
.cta-form-benefits{display:flex;flex-direction:column;gap:12px}
.cta-form-benefit{display:flex;align-items:center;gap:10px;font-size:0.9rem;color:var(--text-secondary)}
.cta-form-benefit svg{flex-shrink:0}

.form-card{
  background:var(--bg-glass);backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(0,0,0,0.06);border-radius:var(--radius-lg);
  padding:32px;display:flex;flex-direction:column;gap:18px
}
.form-card .form-group{display:flex;flex-direction:column;gap:6px}
.form-card label{font-size:0.85rem;font-weight:600;color:var(--text-secondary)}
.required{color:var(--red)}
.form-input{
  width:100%;padding:12px 16px;background:rgba(0,0,0,0.03);
  border:1px solid rgba(0,0,0,0.08);border-radius:var(--radius);
  color:var(--text-primary);font-size:0.95rem;transition:var(--transition);outline:none
}
.form-input::placeholder{color:var(--text-muted);opacity:0.6}
.form-input:focus{border-color:var(--accent-1);box-shadow:0 0 0 3px var(--accent-glow)}
textarea.form-input{resize:vertical;min-height:80px}
.form-select{
  appearance:none;-webkit-appearance:none;-moz-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394a3b8' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:40px;
  cursor:pointer
}
.form-select option{color:var(--text-primary);background:#fff}
.form-row{display:grid;grid-template-columns:1fr;gap:18px}
@media(min-width:480px){.form-row{grid-template-columns:1fr 1fr}}
.honeypot{position:absolute;left:-9999px;opacity:0;height:0;width:0;overflow:hidden}
.form-disclaimer{font-size:0.75rem;color:var(--text-muted);text-align:center;line-height:1.5}

/* ============================
   FOOTER
   ============================ */
.footer{
  background:var(--bg-primary);border-top:1px solid rgba(0,0,0,0.03);
  padding:60px 0 30px
}
.footer-inner{display:grid;grid-template-columns:1fr;gap:40px}
@media(min-width:768px){.footer-inner{grid-template-columns:2fr 3fr}}
.footer-brand p{font-size:0.85rem;color:var(--text-muted);line-height:1.6;margin-top:16px;max-width:320px}
.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.footer-col h5{font-size:0.85rem;font-weight:700;margin-bottom:16px;text-transform:uppercase;letter-spacing:1px;color:var(--text-secondary)}
.footer-col ul{display:flex;flex-direction:column;gap:10px}
.footer-col a{font-size:0.85rem;color:var(--text-muted);transition:var(--transition)}
.footer-col a:hover{color:var(--accent-1)}
.footer-bottom{
  grid-column:1/-1;padding-top:24px;margin-top:24px;
  border-top:1px solid rgba(0,0,0,0.03);
  text-align:center;font-size:0.8rem;color:var(--text-muted)
}

/* ============================
   TOAST
   ============================ */
.toast{
  position:fixed;bottom:24px;left:50%;transform:translateX(-50%) translateY(100px);
  background:rgba(0,0,0,0.85);backdrop-filter:blur(12px);
  color:#fff;padding:14px 24px;border-radius:var(--radius);
  font-size:0.9rem;font-weight:500;z-index:9999;
  opacity:0;transition:all 0.4s ease;pointer-events:none;
  border:1px solid rgba(0,0,0,0.08)
}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}

/* ============================
   ANIMATIONS
   ============================ */
.fade-in-up{opacity:0;transform:translateY(30px);transition:opacity 0.7s ease,transform 0.7s ease}
.fade-in-up.visible{opacity:1;transform:translateY(0)}
.delay-1{transition-delay:0.1s}
.delay-2{transition-delay:0.2s}
.delay-3{transition-delay:0.3s}
.delay-4{transition-delay:0.4s}

/* ============================
   RESPONSIVE
   ============================ */

/* mobile hero wave hide */
@media(max-width:639px){
  .hero-wave{display:none}
}

/* Small mobile (≤479px) */
@media(max-width:479px){
  .container{padding:0 24px}
  .section{padding:48px 0}
  .section-header{margin-bottom:32px}
  .section-title{font-size:1.35rem}
  .section-desc{font-size:0.88rem}
  .section-tag{font-size:0.65rem;padding:4px 10px}

  /* navbar */
  .navbar{height:60px}
  .logo-icon{width:100px;height:40px}
  .logo-title{font-size:0.82rem}
  .logo-sub{font-size:0.6rem}
  .nav-actions .btn-primary.nav-cta{display:none}

  /* hero */
  .hero{min-height:auto;padding-top:60px}
  .hero-content{padding:32px 8px 40px;gap:28px}
  .hero-title{font-size:2rem;letter-spacing:-0.01em;text-align:center}
  .hero-desc{font-size:0.88rem;margin-bottom:24px;text-align:center}
  .hero-badge{font-size:0.7rem;padding:5px 12px;margin-bottom:16px;display:flex;justify-content:center;width:100%}
  .hero-badge .badge-dot{width:5px;height:5px}
  .hero-actions{flex-direction:column;margin-bottom:24px}
  .hero-actions .btn{width:100%;justify-content:center;padding:10px 18px;font-size:0.82rem}
  .hero-stats{justify-content:space-between;gap:0}
  .stat-item{flex:1;min-width:0}
  .stat-number{font-size:1.15rem}
  .stat-plus,.stat-pct{font-size:0.8rem}
  .stat-label{font-size:0.65rem;margin-top:2px}
  .stat-divider{display:none}
  .hero-image-wrapper{border-radius:var(--radius-lg)}
  .hero-image-badge{font-size:0.65rem;padding:6px 12px;bottom:12px;left:12px}

  /* trust bar */
  .trust-bar{padding:16px 0}
  .trust-bar-inner{gap:12px}
  .trust-label{font-size:0.65rem;width:100%;text-align:center}
  .trust-slider-track{gap:16px}
  .trust-svg{width:44px;height:22px}
  .trust-logo-item span{font-size:0.65rem}

  /* cards */
  .card{padding:24px 20px;border-radius:var(--radius)}
  .card h3{font-size:0.95rem}
  .card p{font-size:0.82rem}
  .card-icon-circle{width:44px;height:44px;border-radius:12px;margin-bottom:12px}
  .card-icon-circle svg{width:20px;height:20px}

  /* solusi */
  .solusi-card{padding:28px 20px}
  .solusi-card-icon{width:48px;height:48px;border-radius:12px}
  .solusi-card-icon svg{width:24px;height:24px}
  .solusi-card h3{font-size:0.95rem}
  .solusi-card p{font-size:0.82rem}

  /* benefits */
  .benefits-grid{gap:12px}
  .benefit-item{padding:16px 18px;gap:14px;border-radius:var(--radius)}
  .benefit-icon{width:36px;height:36px;border-radius:10px}
  .benefit-icon svg{width:18px;height:18px}
  .benefit-item h4{font-size:0.85rem}
  .benefit-item p{font-size:0.75rem}

  /* skema pricing */
  .section-sim{padding:48px 0}
  .skema-grid{gap:20px}
  .skema-card{padding:24px 20px;gap:16px;border-radius:var(--radius)}
  .skema-card-featured{transform:none;border-width:2px}
  .skema-card-featured:hover{transform:translateY(-2px)}
  .skema-amount{font-size:1.6rem}
  .skema-unit{font-size:0.85rem}
  .skema-period{font-size:0.8rem}
  .skema-dur-value{font-size:1.2rem}
  .skema-total-value{font-size:0.95rem}
  .skema-fasilitas li{font-size:0.8rem}
  .skema-guarantee{font-size:0.72rem;padding:8px 12px}
  .skema-bottom-note{font-size:0.8rem}
  .skema-badge{font-size:0.6rem;padding:3px 12px}

  /* buttons */
  .btn{padding:12px 20px;font-size:0.85rem}
  .btn-lg{padding:14px 24px;font-size:0.9rem}
  .btn-block{width:100%;justify-content:center}
  .btn svg{width:16px;height:16px}
  .section-cta{margin-top:28px}

  /* testimonials */
  .testi-slider-track{gap:14px}
  .testi-card{padding:24px 20px;border-radius:var(--radius);width:280px}
  .testi-card p{font-size:0.82rem}
  .testi-avatar{width:34px;height:34px;font-size:0.8rem}
  .testi-author strong{font-size:0.8rem}
  .testi-author span{font-size:0.65rem}
  .testi-stars svg{width:14px;height:14px}

  /* faq */
  .faq-question{padding:16px 20px;font-size:0.85rem}
  .faq-answer p{padding:0 20px 16px;font-size:0.82rem}
  .faq-chevron{width:16px;height:16px}

  /* cta form */
  .section-cta-form{padding:48px 0}
  .cta-form-inner{gap:24px}
  .cta-form-title{font-size:1.3rem}
  .cta-form-desc{font-size:0.88rem;margin-bottom:16px}
  .cta-form-benefits{gap:10px}
  .cta-form-benefit{font-size:0.82rem}
  .cta-form-benefit svg{width:16px;height:16px}
  .form-card{padding:24px 20px;gap:16px;border-radius:var(--radius)}
  .form-card label{font-size:0.8rem}
  .form-input{padding:12px 16px;font-size:0.88rem}
  .form-select{background-position:right 12px center;padding-right:38px}
  .form-disclaimer{font-size:0.65rem}

  /* footer */
  .footer{padding:40px 0 20px}
  .footer-inner{gap:28px}
  .footer-links{grid-template-columns:1fr 1fr;gap:24px}
  .footer-col h5{font-size:0.78rem;margin-bottom:12px}
  .footer-col a{font-size:0.78rem}
  .footer-brand p{font-size:0.78rem;margin-top:12px}
  .footer-bottom{font-size:0.7rem;padding-top:16px;margin-top:16px}

  /* toast */
  .toast{font-size:0.82rem;padding:12px 20px;max-width:calc(100vw - 40px)}
}

/* Mobile (480px-639px) */
@media(min-width:480px)and(max-width:639px){
  .container{padding:0 24px}
  .section{padding:56px 0}
  .section-header{margin-bottom:36px}
  .section-title{font-size:1.5rem}
  .section-desc{font-size:0.92rem}

  .navbar{height:64px}
  .logo-icon{width:100px;height:40px}
  .nav-actions .btn-primary.nav-cta{display:none}

  .hero{min-height:auto;padding-top:64px}
  .hero-content{padding:36px 8px 48px;gap:32px}
  .hero-title{font-size:1.65rem;text-align:center}
  .hero-badge{display:flex;justify-content:center;width:100%}
  .hero-desc{font-size:0.92rem;margin-bottom:28px;text-align:center}
  .hero-actions{flex-direction:column;margin-bottom:28px}
  .hero-actions .btn{width:100%;justify-content:center}
  .hero-stats{gap:16px}
  .stat-number{font-size:1.25rem}
  .stat-label{font-size:0.7rem}
  .stat-divider{display:none}
  .card{padding:26px 22px}
  .solusi-card{padding:28px 22px}

  .skema-card{padding:26px 22px}
  .skema-card-featured{transform:none}
  .skema-card-featured:hover{transform:translateY(-3px)}
  .skema-grid{gap:20px}

  .testi-card{padding:24px 22px;width:300px}
  .faq-question{padding:16px 22px}
  .faq-answer p{padding:0 22px 16px}
  .form-card{padding:26px 22px}
  .footer-links{grid-template-columns:repeat(3,1fr);gap:20px}
  .benefit-item{padding:16px 20px}
  .btn-lg{padding:14px 28px}
  .btn-block{width:100%;justify-content:center}
  .section-cta{margin-top:32px}
}

/* Tablet (640px-1023px) */
@media(min-width:640px)and(max-width:1023px){
  .container{padding:0 28px}
  .section{padding:72px 0}
  .section-title{font-size:1.85rem}

  .hero-content{padding:48px 0 56px}
  .hero-title{font-size:2.2rem}
  .hero-desc{font-size:1rem}
  .hero-actions{gap:10px}
  .hero-stats{gap:20px}
  .stat-number{font-size:1.4rem}
  .skema-grid{gap:20px}
  .skema-card-featured{transform:scale(1.02)}
  .skema-card-featured:hover{transform:scale(1.02) translateY(-4px)}
  .skema-amount{font-size:1.8rem}

  .benefits-grid{grid-template-columns:repeat(2,1fr)}
  .footer-links{gap:20px}
  .cta-form-inner{gap:28px}
  .form-card{padding:28px}

  /* ensure 3-col grids become 2-col on tablet */
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .solusi-grid{grid-template-columns:repeat(2,1fr)}
}

/* loading animation for form button */
.btn-loading{pointer-events:none;opacity:0.7}
.btn-loading::after{
  content:'';width:16px;height:16px;border:2px solid transparent;
  border-top-color:currentColor;border-radius:50%;
  animation:spin 0.6s linear infinite
}
@keyframes spin{to{transform:rotate(360deg)}}

/* scrollbar */
::-webkit-scrollbar{width:8px}
::-webkit-scrollbar-track{background:var(--bg-primary)}
::-webkit-scrollbar-thumb{background:rgba(0,0,0,0.08);border-radius:4px}
::-webkit-scrollbar-thumb:hover{background:rgba(0,0,0,0.3)}