:root {
    --green: #006837;
    --green-dark: #0d5c2e;
    --green-deep: #1b4d3e;
    --green-light: #eaf5ef;
    --gold: #d4af37;
    --gold-light: #f5e7ad;
    --white: #ffffff;
    --off-white: #f9fbf8;
    --text: #19342a;
    --muted: #64746d;
    --border: #e1ebe5;
    --shadow: 0 15px 40px rgba(0, 70, 40, 0.10);
    --radius: 18px;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px;
}

body {
    font-family: "Inter", sans-serif;
    color: var(--text);
    background: var(--off-white);
    line-height: 1.6;
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

button, input, textarea, select {
    font: inherit;
}

.container {
    width: 100%;
    max-width: 1180px;
    padding-left: 16px;
    padding-right: 16px;
    margin: 0 auto;
}

/* NAVBAR */
.navbar {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(15px);
    border-bottom: 1px solid var(--border);
}

.nav-wrapper {
    min-height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.logo-img {
    height: 42px;
    width: auto;
    object-fit: contain;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-text strong {
    display: block;
    color: var(--green-dark);
    font-size: 18px;
    font-weight: 800;
    line-height: 1.1;
}

.logo-text span {
    font-size: 10px;
    color: var(--muted);
    letter-spacing: 1px;
    font-weight: 600;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 24px;
}

.nav-menu a {
    color: #355247;
    font-size: 14px;
    font-weight: 600;
    transition: 0.25s;
}

.nav-menu a:hover {
    color: var(--green);
}

.nav-cta {
    background: var(--green);
    color: white !important;
    padding: 11px 19px;
    border-radius: 10px;
}

.nav-cta:hover {
    background: var(--green-dark);
    transform: translateY(-1px);
}

.hamburger {
    display: none;
    border: none;
    background: transparent;
    cursor: pointer;
    font-size: 27px;
    color: var(--green);
}

/* HERO SECTION */
.hero {
    padding: 30px 0;
}

.hero-container {
    text-align: center;
    background: linear-gradient(135deg, #0b5030 0%, #006837 100%);
    border-radius: 24px;
    padding: 60px 30px;
    box-shadow: 0 20px 40px rgba(0, 104, 55, 0.15);
}

.hero-content {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.hero .badge {
    display: inline-block;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    color: #d4a340;
    margin-bottom: 16px;
    text-transform: uppercase;
}

.hero h1 {
    font-size: clamp(26px, 4vw, 42px);
    font-weight: 800;
    line-height: 1.25;
    margin-bottom: 20px;
    color: #ffffff;
}

.hero h1 span {
    color: #edd382;
}

.hero p {
    font-size: clamp(14px, 2vw, 16px);
    line-height: 1.6;
    color: #e0ece6;
    max-width: 680px;
    margin: 0 auto 32px auto;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    width: 100%;
}

.btn {
    padding: 14px 28px;
    border-radius: 8px;
    font-size: 15px;
    font-weight: 700;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-gold {
    background-color: #d4a340;
    color: #19342a;
}

.btn-gold:hover {
    background-color: #c29233;
}

.btn-outline {
    border: 1px solid #ffffff;
    color: #ffffff;
}

.btn-outline:hover {
    background-color: rgba(255, 255, 255, 0.1);
}

/* SECTIONS COMMON */
section {
    padding: 70px 0;
}

.section-heading {
    max-width: 690px;
    margin: 0 auto 40px;
    text-align: center;
}

.section-label {
    color: var(--green);
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.4px;
    margin-bottom: 10px;
}

.section-heading h2 {
    font-family: "Playfair Display", serif;
    color: var(--green-deep);
    font-size: clamp(26px, 3.5vw, 40px);
    line-height: 1.2;
    margin-bottom: 14px;
}

.section-heading p {
    color: var(--muted);
    font-size: 15px;
}

/* FEATURES SECTION */
.features {
    background: var(--white);
}

.feature-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.feature-card {
    background: var(--off-white);
    border: 1px solid var(--border);
    padding: 28px 22px;
    border-radius: var(--radius);
    transition: 0.3s;
}

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
    border-color: rgba(212, 175, 55, 0.45);
}

.feature-icon {
    width: 55px;
    height: 55px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 15px;
    background: var(--green-light);
    color: var(--green);
    font-size: 25px;
    margin-bottom: 20px;
}

.feature-card h3 {
    color: var(--green-deep);
    font-size: 17px;
    margin-bottom: 9px;
}

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

/* SIMULATION CALCULATOR */
.simulation {
    background: #f4f8f5;
}

.calc-card {
    max-width: 520px;
    margin: 0 auto;
    background: #ffffff;
    border: 1px solid #e1ebe5;
    border-radius: 24px;
    padding: 35px 25px;
    box-shadow: 0 10px 30px rgba(0, 104, 55, 0.05);
}

.calc-header {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 25px;
}

.calc-header-icon {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    border: 2px solid #006837;
    color: #006837;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.calc-header-text h2 {
    font-size: 22px;
    color: #19342a;
    font-weight: 800;
    line-height: 1.2;
}

.calc-header-text p {
    font-size: 13px;
    color: #64746d;
    margin-top: 2px;
}

.calc-body {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.calc-field label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: #19342a;
    margin-bottom: 8px;
}

.calc-field select {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid #d1ded6;
    border-radius: 12px;
    background: #ffffff;
    color: #19342a;
    font-size: 15px;
    font-weight: 600;
    outline: none;
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%3C006837' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    transition: all 0.2s;
}

.calc-field select:focus {
    border-color: #006837;
    box-shadow: 0 0 0 3px rgba(0, 104, 55, 0.1);
}

.calc-result-value {
    width: 100%;
    padding: 16px;
    border: 2px solid #006837;
    border-radius: 12px;
    background: #ffffff;
    color: #006837;
    font-size: clamp(20px, 5vw, 26px);
    font-weight: 800;
    text-align: center;
}

.calc-note {
    display: flex;
    gap: 10px;
    background: #eaf5ef;
    padding: 12px 16px;
    border-radius: 10px;
    align-items: flex-start;
}

.calc-note p {
    font-size: 12px;
    color: #52665c;
    line-height: 1.4;
}

.calc-insurance {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 5px;
}

.insurance-badge {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    border: 2px solid #006837;
    color: #006837;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 16px;
    flex-shrink: 0;
}

.calc-insurance p {
    display: flex;
    flex-direction: column;
    font-size: 14px;
    line-height: 1.3;
}

.calc-insurance strong {
    color: #006837;
}

.calc-insurance span {
    color: #52665c;
}

/* SIMULATION TABLE */
.simulation-box {
    background: white;
    border: 1px solid var(--border);
    border-radius: 22px;
    overflow: hidden;
    box-shadow: var(--shadow);
    margin-top: 40px;
}

.simulation-top {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: var(--green);
    color: white;
}

.simulation-info {
    padding: 25px;
    border-right: 1px solid rgba(255, 255, 255, 0.14);
}

.simulation-info:last-child {
    border-right: none;
}

.simulation-info small {
    display: block;
    color: rgba(255, 255, 255, 0.72);
    font-size: 12px;
    margin-bottom: 5px;
}

.simulation-info strong {
    font-size: 21px;
}

.table-wrapper {
    overflow-x: auto;
}

.simulation-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 600px;
}

.simulation-table th,
.simulation-table td {
    padding: 17px 20px;
    text-align: left;
    border-bottom: 1px solid var(--border);
}

.simulation-table th {
    background: #f1f7f3;
    color: var(--green-deep);
    font-size: 13px;
}

.simulation-table td {
    color: #53665e;
    font-size: 14px;
}

.simulation-table td:last-child {
    color: var(--green);
    font-weight: 800;
}

.table-note {
    padding: 18px 22px;
    font-size: 12px;
    color: var(--muted);
    background: #fcfdfc;
}

.simulation-title-box {
    padding: 24px 25px 15px;
    background: #ffffff;
    border-bottom: 1px solid var(--border);
    text-align: center;
}

.simulation-title-box h3 {
    color: var(--green-deep);
    font-size: 20px;
    font-weight: 800;
    margin-bottom: 6px;
}

.simulation-title-box p {
    color: var(--muted);
    font-size: 13px;
    margin: 0;
}

/* FORM SEKSI AJUAN PEMBIAYAAN */
.form-section {
    background-color: #f8faf9;
}

.form-card {
    max-width: 650px;
    margin: 0 auto;
    background: #ffffff;
    border-radius: 16px;
    padding: 35px 25px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.form-header {
    text-align: center;
    margin-bottom: 30px;
}

.form-header h2 {
    font-size: 26px;
    color: #006837;
    font-weight: 800;
    margin-bottom: 10px;
}

.form-header p {
    font-size: 14px;
    color: #64746d;
    line-height: 1.5;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: #19342a;
    margin-bottom: 8px;
}

.form-group input[type="text"],
.form-group input[type="tel"],
.form-group select {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid #d1ded6;
    border-radius: 10px;
    font-size: 15px;
    color: #19342a;
    outline: none;
}

.form-group small {
    display: block;
    font-size: 12px;
    color: #889890;
    margin-top: 6px;
}

.btn-submit {
    width: 100%;
    padding: 16px;
    background-color: #006837;
    color: #ffffff;
    border: none;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.3s;
    margin-top: 10px;
}

.btn-submit:hover {
    background-color: #00522b;
}

.file-instruction-note {
    font-size: 0.88rem;
    color: #4a5568;
    background-color: #f7fafc;
    border-left: 4px solid #319795;
    padding: 12px 14px;
    margin-top: 15px;
    margin-bottom: 10px;
    border-radius: 4px;
    line-height: 1.5;
}

.form-disclaimer {
    text-align: center;
    font-size: 12px;
    color: #889890;
    margin-top: 14px;
    line-height: 1.4;
}

.required-star {
    color: red;
    font-weight: bold;
}

/* REQUIREMENTS & BENEFITS */
.benefits {
    background: white;
}

.benefit-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 45px;
    align-items: center;
}

.benefit-image {
    min-height: 450px;
    border-radius: 24px;
    background: linear-gradient(rgba(0, 78, 42, 0.25), rgba(0, 78, 42, 0.25)),
        url("https://images.unsplash.com/photo-1591604129939-f1efa4d9f7fa?auto=format&fit=crop&w=1000&q=85") center / cover;
}

.benefit-content h2 {
    font-family: "Playfair Display", serif;
    color: var(--green-deep);
    font-size: clamp(28px, 3.5vw, 38px);
    line-height: 1.2;
    margin-bottom: 20px;
}

.number-list {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.number-item {
    display: flex;
    gap: 16px;
}

.number {
    flex: 0 0 40px;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--green);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
}

.requirements {
    margin-top: 35px;
    padding: 25px;
    background: var(--green-light);
    border-radius: 16px;
}

.requirement-list {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.requirement-list span {
    background: white;
    border: 1px solid var(--border);
    padding: 9px 13px;
    border-radius: 8px;
    color: var(--green-deep);
    font-size: 13px;
    font-weight: 600;
}

/* SECTION KONTAK */
.contact-section {
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.contact-card {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 30px 24px;
    text-align: center;
    transition: 0.3s;
}

.contact-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--green);
}

.contact-icon {
    width: 60px;
    height: 60px;
    background: var(--green-light);
    color: var(--green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    margin: 0 auto 18px;
}

.contact-card h3 {
    color: var(--green-deep);
    font-size: 18px;
    margin-bottom: 8px;
}

.contact-card p {
    color: var(--text);
    font-weight: 600;
    font-size: 15px;
    margin-bottom: 12px;
}

.contact-sub {
    display: block;
    color: var(--muted);
    font-size: 12px;
}

.contact-link {
    display: inline-block;
    color: var(--green);
    font-weight: 700;
    font-size: 14px;
}

/* FOOTER */
footer {
    background: #123c2e;
    color: white;
    padding: 50px 0 25px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 35px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-brand strong {
    font-family: "Playfair Display", serif;
    font-size: 24px;
}

.footer-brand p {
    max-width: 430px;
    color: rgba(255, 255, 255, 0.65);
    font-size: 13px;
    margin-top: 10px;
}

.footer-column h4 {
    color: var(--gold-light);
    margin-bottom: 15px;
    font-size: 14px;
}

.footer-column a {
    display: block;
    color: rgba(255, 255, 255, 0.67);
    font-size: 13px;
    margin-bottom: 9px;
    transition: 0.2s;
}

.legal {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    padding-top: 22px;
    color: rgba(255, 255, 255, 0.55);
    font-size: 11px;
}

/* FLOATING BUTTONS */
.whatsapp-float {
    position: fixed;
    right: 20px;
    bottom: 20px;
    z-index: 999;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: #25d366;
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
}

.music-float {
    position: fixed;
    left: 20px;
    bottom: 20px;
    z-index: 999;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--green);
    color: white;
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
}

.music-float.playing {
    background: #d4af37;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0% { box-shadow: 0 0 0 0 rgba(212, 175, 55, 0.7); }
    70% { box-shadow: 0 0 0 12px rgba(212, 175, 55, 0); }
    100% { box-shadow: 0 0 0 0 rgba(212, 175, 55, 0); }
}

/* MEDIA QUERIES UNTUK RESPONSIVITAS */

/* Tablet & Laptop Kecil (Max: 1024px) */
@media (max-width: 1024px) {
    .feature-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

/* Mobile & Tablet Portrait (Max: 868px) */
@media (max-width: 868px) {
    .hamburger {
        display: block;
    }

    .nav-menu {
        position: absolute;
        top: 76px;
        left: 0;
        right: 0;
        background: #ffffff;
        border-bottom: 1px solid var(--border);
        padding: 20px;
        display: none;
        flex-direction: column;
        align-items: stretch;
        gap: 15px;
        box-shadow: 0 15px 25px rgba(0, 0, 0, 0.08);
    }

    .nav-menu.active {
        display: flex;
    }

    .nav-cta {
        text-align: center;
    }

    .benefit-layout {
        grid-template-columns: 1fr;
    }

    .benefit-image {
        min-height: 300px;
    }

    .simulation-top {
        grid-template-columns: 1fr;
    }

    .simulation-info {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.14);
    }

    .footer-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }
}

/* HP Ukuran Kecil (Max: 576px) */
@media (max-width: 576px) {
    .container {
        width: calc(100% - 24px);
    }

    section {
        padding: 45px 0;
    }

    .hero-container {
        padding: 35px 16px;
        border-radius: 16px;
    }

    .btn {
        width: 100%;
    }

    .feature-grid {
        grid-template-columns: 1fr;
    }

    .calc-card, .form-card {
        padding: 24px 16px;
        border-radius: 16px;
    }

    .logo-img {
        height: 34px;
    }

    .logo-text strong {
        font-size: 15px;
    }

    .logo-text span {
        font-size: 9px;
    }

    .legal {
        flex-direction: column;
        gap: 8px;
    }
}

/* PERBAIKAN RESPONSIVE MOBILE */
html, body {
    max-width: 100%;
    overflow-x: hidden;
}

.contact-card p {
    word-break: break-word;
    overflow-wrap: break-word;
}

@media (max-width: 768px) {
    .nav-wrapper {
        position: relative;
    }

    .nav-menu {
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: #ffffff;
        border-bottom: 1px solid var(--border);
        padding: 20px;
        display: none;
        flex-direction: column;
        align-items: stretch;
        gap: 15px;
        box-shadow: 0 15px 25px rgba(0, 0, 0, 0.08);
    }

    .nav-menu.active {
        display: flex;
    }

    .hamburger {
        display: block;
    }

    .feature-grid,
    .contact-grid,
    .footer-grid {
        grid-template-columns: 1fr;
    }

    .benefit-layout {
        grid-template-columns: 1fr;
    }

    .benefit-image {
        min-height: 250px;
    }

    .legal {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }
}