/* ============================================
   KrediOne Info - Brand Color System
   Hijau #2ECC71 / #1A9B50 | Kuning #F6C33B | Putih #FFFFFF
   ============================================ */

:root {
  --green-primary: #2ECC71;
  --green-dark: #1A9B50;
  --green-darker: #14773D;
  --green-light: #E8FAF0;
  --green-mid: #27AE60;
  --yellow: #F6C33B;
  --yellow-dark: #E0AC1A;
  --white: #FFFFFF;
  --gray-light: #F5F7FA;
  --gray-mid: #E8EDF2;
  --gray-text: #6B7280;
  --dark: #1A2332;
  --dark-mid: #2D3748;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.15);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --transition: all 0.3s ease;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', 'Segoe UI', sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ===== TYPOGRAPHY ===== */
h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; line-height: 1.2; }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); font-weight: 700; line-height: 1.3; }
h3 { font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 600; }
p  { font-size: 1rem; color: var(--dark-mid); }

/* ===== UTILITY ===== */
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
.text-center { text-align: center; }
.text-green { color: var(--green-primary); }
.text-yellow { color: var(--yellow-dark); }
.badge {
  display: inline-block;
  background: var(--green-light);
  color: var(--green-dark);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 50px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.badge-yellow {
  background: #FFF8E1;
  color: var(--yellow-dark);
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-decoration: none;
}
.btn-primary {
  background: var(--green-primary);
  color: var(--white);
  border-color: var(--green-primary);
}
.btn-primary:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(46,204,113,0.35);
}
.btn-secondary {
  background: var(--white);
  color: var(--green-dark);
  border-color: var(--green-primary);
}
.btn-secondary:hover {
  background: var(--green-light);
  transform: translateY(-2px);
}
.btn-yellow {
  background: var(--yellow);
  color: var(--dark);
  border-color: var(--yellow);
}
.btn-yellow:hover {
  background: var(--yellow-dark);
  border-color: var(--yellow-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(246,195,59,0.4);
}
.btn-wa {
  background: #25D366;
  color: var(--white);
  border-color: #25D366;
}
.btn-wa:hover {
  background: #1ebe5a;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37,211,102,0.4);
}
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }

/* ===== HEADER / NAVBAR ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: var(--white);
  border-bottom: 2px solid var(--green-light);
  box-shadow: var(--shadow-sm);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.logo-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-wrap .site-name {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--green-dark);
  letter-spacing: -0.5px;
}
.logo-wrap .site-name span {
  color: var(--yellow-dark);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-links a {
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--dark-mid);
  transition: var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  background: var(--green-light);
  color: var(--green-dark);
}
.nav-cta {
  background: var(--green-primary) !important;
  color: var(--white) !important;
  border-radius: 50px !important;
}
.nav-cta:hover {
  background: var(--green-dark) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 5px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--dark);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===== HERO SECTION ===== */
.hero {
  background: linear-gradient(135deg, var(--green-darker) 0%, var(--green-primary) 55%, #4ADE80 100%);
  color: var(--white);
  padding: 80px 0 70px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='30' cy='30' r='29' stroke='rgba(255,255,255,0.07)' stroke-width='2'/%3E%3C/svg%3E") 0 0 / 60px 60px;
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-content h1 { color: var(--white); margin-bottom: 18px; }
.hero-content p  { color: rgba(255,255,255,0.88); font-size: 1.1rem; margin-bottom: 30px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 50px;
  padding: 6px 14px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 18px;
  backdrop-filter: blur(4px);
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card {
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-lg);
  padding: 30px;
  width: 100%;
  max-width: 340px;
}
.hero-card-title {
  color: var(--yellow);
  font-weight: 800;
  font-size: 1.05rem;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.contact-item:last-child { border-bottom: none; }
.contact-icon {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-info span {
  display: block;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
}
.contact-info strong {
  font-size: 1rem;
  color: var(--white);
}

/* ===== DISCLAIMER BANNER ===== */
.disclaimer-banner {
  background: #FFF8E1;
  border-top: 3px solid var(--yellow);
  border-bottom: 3px solid var(--yellow);
  padding: 12px 0;
}
.disclaimer-inner {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.85rem;
  color: #7A5200;
  line-height: 1.5;
}
.disclaimer-icon { font-size: 1.2rem; flex-shrink: 0; margin-top: 2px; }

/* ===== SECTIONS ===== */
.section { padding: 70px 0; }
.section-alt { background: var(--gray-light); }
.section-header { margin-bottom: 44px; }
.section-header .badge { margin-bottom: 12px; }
.section-header h2 { margin-bottom: 14px; }
.section-header p { font-size: 1.05rem; max-width: 600px; }
.section-header.text-center p { margin: 0 auto; }

/* ===== CARDS ===== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1.5px solid var(--gray-mid);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.card:hover {
  border-color: var(--green-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.card-icon {
  width: 54px;
  height: 54px;
  background: var(--green-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 10px; }
.card p  { font-size: 0.95rem; }

/* ===== STEPS ===== */
.steps-list { counter-reset: steps; }
.step-item {
  display: flex;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid var(--gray-mid);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  counter-increment: steps;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--green-primary), var(--green-dark));
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  flex-shrink: 0;
}
.step-content h3 { margin-bottom: 6px; }
.step-content p  { font-size: 0.95rem; }

/* ===== FAQ ===== */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  border: 1.5px solid var(--gray-mid);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--green-primary); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.98rem;
  background: var(--white);
  transition: var(--transition);
  user-select: none;
  gap: 10px;
}
.faq-question:hover { background: var(--green-light); }
.faq-arrow {
  width: 28px;
  height: 28px;
  background: var(--green-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  transition: var(--transition);
  flex-shrink: 0;
}
.faq-item.open .faq-arrow { transform: rotate(180deg); background: var(--green-primary); color: var(--white); }
.faq-answer {
  padding: 0 22px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s;
  font-size: 0.95rem;
  color: var(--dark-mid);
  line-height: 1.7;
}
.faq-item.open .faq-answer { max-height: 400px; padding: 0 22px 18px; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--green-darker), var(--green-mid));
  padding: 60px 0;
  color: var(--white);
  text-align: center;
}
.cta-section h2 { color: var(--white); margin-bottom: 14px; }
.cta-section p  { color: rgba(255,255,255,0.85); margin-bottom: 30px; font-size: 1.05rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ===== CONTACT CARDS ===== */
.contact-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.contact-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px 22px;
  border: 1.5px solid var(--gray-mid);
  text-align: center;
  transition: var(--transition);
}
.contact-card:hover {
  border-color: var(--green-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.contact-card .contact-card-icon {
  width: 60px;
  height: 60px;
  background: var(--green-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 16px;
}
.contact-card h3 { margin-bottom: 6px; font-size: 1rem; }
.contact-card p  { font-size: 0.9rem; color: var(--gray-text); margin-bottom: 12px; }
.contact-card strong {
  display: block;
  font-size: 1.15rem;
  color: var(--green-dark);
  margin-bottom: 16px;
}

/* ===== INFO BOX ===== */
.info-box {
  background: var(--green-light);
  border-left: 4px solid var(--green-primary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 20px 0;
}
.info-box p { color: var(--green-darker); font-size: 0.95rem; }

.warning-box {
  background: #FFF8E1;
  border-left: 4px solid var(--yellow);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 20px 0;
}
.warning-box p { color: #7A5200; font-size: 0.95rem; }

/* ===== BREADCRUMB ===== */
.breadcrumb {
  background: var(--gray-light);
  padding: 12px 0;
  font-size: 0.85rem;
}
.breadcrumb ol {
  display: flex;
  gap: 8px;
  align-items: center;
  color: var(--gray-text);
}
.breadcrumb li::after { content: '›'; margin-left: 8px; }
.breadcrumb li:last-child::after { content: ''; }
.breadcrumb a { color: var(--green-dark); font-weight: 600; }
.breadcrumb a:hover { text-decoration: underline; }

/* ===== HIGHLIGHT BOX ===== */
.highlight-number {
  background: linear-gradient(135deg, var(--green-primary), var(--green-dark));
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
  color: var(--white);
}
.highlight-number .num { font-size: 2.4rem; font-weight: 800; }
.highlight-number .label { font-size: 0.88rem; opacity: 0.85; margin-top: 4px; }

/* ===== PAGE HEADER ===== */
.page-header {
  background: linear-gradient(135deg, var(--green-darker) 0%, var(--green-primary) 60%, #4ADE80 100%);
  padding: 60px 0 50px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 240px; height: 240px;
  background: rgba(255,255,255,0.07);
  border-radius: 50%;
}
.page-header::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -30px;
  width: 180px; height: 180px;
  background: rgba(246,195,59,0.12);
  border-radius: 50%;
}
.page-header-inner { position: relative; }
.page-header .badge { margin-bottom: 14px; }
.page-header h1 { color: var(--white); margin-bottom: 14px; }
.page-header p  { color: rgba(255,255,255,0.88); font-size: 1.05rem; max-width: 680px; }

/* ===== FLOATING WA BUTTON ===== */
.floating-wa {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 1000;
  background: #25D366;
  color: var(--white);
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  box-shadow: 0 4px 20px rgba(37,211,102,0.5);
  transition: var(--transition);
  text-decoration: none;
}
.floating-wa:hover { transform: scale(1.12); box-shadow: 0 6px 28px rgba(37,211,102,0.65); }
.floating-wa-tooltip {
  position: absolute;
  right: 70px;
  background: var(--dark);
  color: var(--white);
  padding: 6px 12px;
  border-radius: 8px;
  font-size: 0.82rem;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}
.floating-wa:hover .floating-wa-tooltip { opacity: 1; }

/* ===== INTERNAL LINKS SECTION ===== */
.related-pages {
  background: var(--green-light);
  border-radius: var(--radius-md);
  padding: 28px;
  margin: 40px 0;
}
.related-pages h3 { margin-bottom: 16px; color: var(--green-darker); }
.related-links {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.related-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 18px;
  background: var(--white);
  border: 1.5px solid var(--green-primary);
  border-radius: 50px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--green-dark);
  transition: var(--transition);
}
.related-link:hover {
  background: var(--green-primary);
  color: var(--white);
}

/* ===== TABLE ===== */
.info-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
  margin: 20px 0;
}
.info-table th {
  background: var(--green-primary);
  color: var(--white);
  padding: 13px 18px;
  text-align: left;
  font-weight: 700;
}
.info-table td {
  padding: 12px 18px;
  border-bottom: 1px solid var(--gray-mid);
}
.info-table tr:nth-child(even) td { background: var(--gray-light); }
.info-table tr:hover td { background: var(--green-light); }

/* ===== FOOTER ===== */
.site-footer {
  background: var(--dark);
  color: rgba(255,255,255,0.75);
  padding: 50px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 36px;
}
.footer-brand .site-name {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 12px;
  display: block;
}
.footer-brand .site-name span { color: var(--yellow); }
.footer-brand p { font-size: 0.9rem; margin-bottom: 16px; line-height: 1.65; }
.footer-col h4 {
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 14px;
  border-bottom: 2px solid var(--green-primary);
  padding-bottom: 8px;
  display: inline-block;
}
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  font-size: 0.88rem;
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col ul li a:hover { color: var(--green-primary); }
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin: 0 0 20px;
}
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.82rem;
}
.footer-bottom a { color: var(--green-primary); }
.footer-disclaimer {
  background: rgba(246,195,59,0.1);
  border: 1px solid rgba(246,195,59,0.25);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  margin-bottom: 24px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
}

/* ===== PULSE ANIMATION ===== */
@keyframes pulse-green {
  0%, 100% { box-shadow: 0 0 0 0 rgba(46,204,113,0.4); }
  50% { box-shadow: 0 0 0 12px rgba(46,204,113,0); }
}
.btn-pulse { animation: pulse-green 2s infinite; }

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-in { animation: fadeInUp 0.6s ease both; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .hero-visual { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: var(--white); padding: 16px 20px; box-shadow: var(--shadow-md); border-top: 2px solid var(--green-light); }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 50px 0; }
  .section { padding: 50px 0; }
  .cta-actions { flex-direction: column; align-items: center; }
  .footer-bottom { flex-direction: column; text-align: center; }
}