/* Vision Proteksi — mobile-first marketing landing. Trustworthy, premium, calm.
   Palette: Allianz-adjacent navy (authorized agent may co-brand) + warm gold for
   warmth, WhatsApp green reserved for the CTA so it always reads as "message me". */
:root {
  --navy: #003781; --navy-700: #002a63; --navy-300: #4a90d9;
  --gold: #e0a43b; --gold-600: #c4881f;
  --wa: #25d366; --wa-700: #1da851;
  --ink: #16202e; --muted: #5c6b7e; --line: #e5e9f0;
  --paper: #ffffff; --mist: #f4f7fb;
  --radius: 14px; --wrap: 1080px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--ink); background: var(--paper); line-height: 1.6;
  -webkit-font-smoothing: antialiased; overflow-x: clip; }
img { max-width: 100%; display: block; }
a { color: inherit; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.eyebrow { display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; color: var(--navy); background: var(--mist);
  padding: 6px 12px; border-radius: 999px; }
h1, h2, h3 { line-height: 1.2; letter-spacing: -0.01em; }
h1 { font-size: clamp(30px, 7vw, 52px); font-weight: 800; }
h2 { font-size: clamp(24px, 5vw, 36px); font-weight: 800; }
.section { padding: 56px 0; }
.section.mist { background: var(--mist); }
.lead { font-size: clamp(16px, 2.4vw, 19px); color: var(--muted); }
.center { text-align: center; }

/* buttons */
.btn { display: inline-flex; align-items: center; gap: 9px; font-size: 16px; font-weight: 700;
  padding: 15px 26px; border-radius: 999px; text-decoration: none; border: 0; cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease; }
.btn:active { transform: scale(.97); }
.btn-wa { background: var(--wa); color: #fff; box-shadow: 0 8px 22px rgba(37,211,102,.35); }
.btn-wa:hover { background: var(--wa-700); }
.btn-ghost { background: transparent; color: var(--navy); border: 1.5px solid var(--line); }
.btn-lg { font-size: 17px; padding: 17px 30px; }
.wa-ico { width: 20px; height: 20px; fill: currentColor; flex: 0 0 auto; }

/* header */
.topbar { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,.9);
  backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line); }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; height: 62px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; }
.brand-mark { width: 34px; height: 34px; border-radius: 9px; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-size: 18px; font-weight: 800; }
.brand small { display: block; font-size: 11px; font-weight: 600; color: var(--muted); letter-spacing: .02em; }
.topbar .btn { padding: 10px 18px; font-size: 14px; }

/* hero */
.hero { background: linear-gradient(180deg, #fff 0%, var(--mist) 100%); padding: 48px 0 60px; }
.hero-grid { display: grid; gap: 32px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 880px) { .hero-grid { grid-template-columns: 1.02fr 0.98fr; gap: 44px; align-items: start; } }
.hero-side { display: flex; flex-direction: column; gap: 16px; }
.hero-photo { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; border-radius: 18px;
  box-shadow: 0 14px 44px rgba(0,55,129,.14); }
.hero .eyebrow { margin-bottom: 18px; }
.hero h1 { margin-bottom: 18px; }
.hero h1 .hl { color: var(--navy); }
.hero .lead { max-width: 40ch; margin-bottom: 28px; }

/* lead-qualifier quiz (lives in the hero) */
.quiz { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 22px 22px 20px;
  box-shadow: 0 14px 44px rgba(0,55,129,.09); }
.quiz-head b { display: block; font-size: 17px; }
.quiz-head span { font-size: 12.5px; color: var(--muted); }
.quiz-q { margin-top: 16px; }
.quiz-q label { display: block; font-size: 13px; font-weight: 700; margin-bottom: 8px; }
.opts { display: flex; flex-wrap: wrap; gap: 8px; }
.opts button { font-size: 13px; font-weight: 600; padding: 9px 14px; border-radius: 999px;
  border: 1.5px solid var(--line); background: #fff; color: var(--ink); cursor: pointer;
  transition: border-color .12s, background .12s, color .12s; }
.opts button:hover { border-color: var(--navy-300); }
.opts button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.quiz-cta { width: 100%; justify-content: center; margin-top: 20px; }
.quiz-cta[aria-disabled="true"] { opacity: .45; pointer-events: none; box-shadow: none; }
.quiz-note { font-size: 12px; color: var(--muted); margin-top: 10px; text-align: center; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.hero-trust { display: flex; align-items: center; gap: 8px; margin-top: 22px; font-size: 14px; color: var(--muted); }
.hero-trust b { color: var(--ink); }

/* trust bar */
.trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #fff; }
.trust .wrap { display: flex; flex-wrap: wrap; gap: 14px 34px; align-items: center; justify-content: center;
  padding: 22px 20px; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 15px; color: var(--muted); }
.trust-item b { color: var(--ink); font-weight: 700; }
.trust-item .ti-num { font-size: 22px; font-weight: 800; color: var(--navy); }

/* cards grid */
.grid { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .grid.cols-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 860px) { .grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
  .grid.cols-3 { grid-template-columns: repeat(3, 1fr); } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card .ico { width: 44px; height: 44px; border-radius: 11px; background: var(--mist); color: var(--navy);
  display: grid; place-items: center; font-size: 22px; margin-bottom: 14px; }
.card h3 { font-size: 18px; margin-bottom: 6px; }
.card p { font-size: 14.5px; color: var(--muted); }

/* problem list */
.pain { display: flex; gap: 14px; align-items: flex-start; padding: 16px 0; border-bottom: 1px solid var(--line); }
.pain:last-child { border-bottom: 0; }
.pain .dot { flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%; background: #fdecec;
  color: #d64545; display: grid; place-items: center; font-weight: 800; }
.pain b { display: block; font-size: 16px; }
.pain span { font-size: 14.5px; color: var(--muted); }

/* how it works */
.steps { counter-reset: step; }
.step { display: flex; gap: 16px; align-items: flex-start; padding: 18px 0; }
.step::before { counter-increment: step; content: counter(step); flex: 0 0 auto;
  width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 18px; }
.step b { display: block; font-size: 17px; }
.step p { font-size: 14.5px; color: var(--muted); }

/* about */
.about { display: grid; gap: 26px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 760px) { .about { grid-template-columns: 260px 1fr; } }
.about-photo { aspect-ratio: 3 / 4; border-radius: 18px; overflow: hidden; background: var(--mist); }
.about-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.about h2 { margin-bottom: 12px; }
.about p { color: var(--muted); margin-bottom: 12px; }
.about .cred { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.chip { font-size: 13px; font-weight: 600; color: var(--navy); background: var(--mist);
  padding: 7px 13px; border-radius: 999px; }

/* faq */
.faq-item { border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; overflow: hidden; background: #fff; }
.faq-q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  font-size: 16px; font-weight: 700; color: var(--ink); padding: 18px 20px;
  display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq-q .plus { flex: 0 0 auto; color: var(--navy); font-size: 22px; transition: transform .2s; }
.faq-item.open .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-item.open .faq-a { max-height: 320px; }
.faq-a p { padding: 0 20px 18px; font-size: 14.5px; color: var(--muted); }

/* closing CTA */
.closing { background: var(--navy); color: #fff; text-align: center; border-radius: 22px;
  padding: 48px 24px; margin: 8px 0; }
.closing h2 { margin-bottom: 12px; }
.closing p { color: #cfe0f5; margin-bottom: 26px; max-width: 46ch; margin-left: auto; margin-right: auto; }

/* sticky mobile CTA */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; padding: 12px 16px;
  background: rgba(255,255,255,.95); backdrop-filter: blur(10px); border-top: 1px solid var(--line);
  transform: translateY(120%); transition: transform .25s ease; }
.sticky-cta.show { transform: translateY(0); }
.sticky-cta .btn { width: 100%; justify-content: center; }
@media (min-width: 760px) { .sticky-cta { display: none; } }

/* footer */
.footer { background: #0d1826; color: #9fb0c4; padding: 40px 0 90px; font-size: 13.5px; }
@media (min-width: 760px) { .footer { padding-bottom: 40px; } }
.footer .brand-mark { background: #fff; color: var(--navy); }
.footer .brand small { color: #7c8da3; }
.footer-note { margin-top: 18px; line-height: 1.7; max-width: 70ch; }
.footer a { color: #cfe0f5; }

/* ── shared content layer: breadcrumbs, article prose, callouts, hub, calculator ── */
.crumb { font-size: 13px; color: var(--muted); padding: 18px 0 0; }
.crumb a { color: var(--navy); text-decoration: none; }
.article { max-width: 720px; margin: 0 auto; padding: 8px 0 20px; }
.article h1 { font-size: clamp(27px, 5vw, 40px); margin: 14px 0 10px; }
.article .meta-line { font-size: 13.5px; color: var(--muted); margin-bottom: 22px; }
.article h2 { font-size: clamp(21px, 3.4vw, 27px); margin: 34px 0 12px; }
.article h3 { font-size: 19px; margin: 24px 0 8px; }
.article p, .article li { font-size: 16.5px; color: #26313f; line-height: 1.75; }
.article p { margin: 0 0 16px; }
.article ul, .article ol { margin: 0 0 18px; padding-left: 22px; }
.article li { margin-bottom: 7px; }
.article strong { color: var(--ink); }
.callout { border: 1px solid var(--line); border-left: 4px solid var(--navy); border-radius: 0 12px 12px 0;
  background: var(--mist); padding: 16px 18px; margin: 22px 0; font-size: 15px; }
.callout.warn { border-left-color: #d64545; background: #fdf1f1; }
.callout b { color: var(--ink); }
.toc { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px 20px; margin: 22px 0; }
.toc b { font-size: 13px; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); }
.toc ol { margin: 10px 0 0; padding-left: 20px; }
.toc a { color: var(--navy); text-decoration: none; font-size: 15px; }
.article-cta { background: var(--navy); color: #fff; border-radius: 16px; padding: 28px 24px; text-align: center; margin: 34px 0 10px; }
.article-cta h3 { color: #fff; margin: 0 0 8px; font-size: 20px; }
.article-cta p { color: #cfe0f5; margin: 0 0 18px; font-size: 15px; }
.disc { font-size: 12.5px; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 30px; line-height: 1.7; }

/* content hub (artikel index) */
.hub { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 720px) { .hub { grid-template-columns: 1fr 1fr; } }
.hub-card { display: block; text-decoration: none; color: inherit; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 20px; transition: border-color .12s, transform .12s; }
.hub-card:hover { border-color: var(--navy-300); transform: translateY(-2px); }
.hub-card .tag { font-size: 11.5px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--navy); }
.hub-card h3 { font-size: 18px; margin: 8px 0 6px; }
.hub-card p { font-size: 14px; color: var(--muted); margin: 0; }
.hub-card.soon { opacity: .62; }
.hub-card.soon .tag { color: var(--muted); }

/* protection-leverage calculator */
.calc { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 24px; box-shadow: 0 14px 44px rgba(0,55,129,.08); }
.calc-field { margin-bottom: 20px; }
.calc-field label { display: block; font-size: 14px; font-weight: 700; margin-bottom: 10px; }
.calc-field .val { color: var(--navy); }
.calc-opts { display: flex; flex-wrap: wrap; gap: 8px; }
.calc-opts button { font-size: 13.5px; font-weight: 600; padding: 9px 15px; border-radius: 999px; border: 1.5px solid var(--line);
  background: #fff; color: var(--ink); cursor: pointer; }
.calc-opts button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.calc input[type=range] { width: 100%; accent-color: var(--navy); }
.calc-result { margin-top: 8px; border-top: 1px solid var(--line); padding-top: 22px; }
.lev-bars { display: grid; gap: 12px; margin: 18px 0; }
.lev-row b { display: block; font-size: 13px; color: var(--muted); margin-bottom: 5px; }
.lev-bar { height: 34px; border-radius: 8px; display: flex; align-items: center; padding: 0 12px; color: #fff; font-weight: 700; font-size: 14px; white-space: nowrap; }
.lev-premi { background: #7c8da3; }
.lev-payout { background: var(--navy); }
.lev-cost { background: #d64545; }
.lev-headline { font-size: 19px; line-height: 1.5; margin: 6px 0 0; }
.lev-headline b { color: var(--navy); }

/* hidden-cost (biaya tersembunyi) calculator */
.bt-row { display: flex; justify-content: space-between; align-items: center; gap: 14px; padding: 13px 0; border-bottom: 1px solid var(--line); }
.bt-row b { display: block; font-size: 14.5px; } .bt-row span { display: block; font-size: 12.5px; color: var(--muted); }
.bt-amt { font-size: 15px; white-space: nowrap; }
.bt-total-box { display: flex; justify-content: space-between; align-items: center; margin: 18px 0 6px; padding: 16px 18px; background: #fdf1f1; border: 1px solid #f3c0c0; border-radius: 12px; }
.bt-total-box span { font-size: 13px; color: #a23; font-weight: 700; } .bt-total-box b { font-size: clamp(22px, 5vw, 28px); color: #c0392b; }
.bt-headline { font-size: 16px; line-height: 1.6; margin: 4px 0 0; } .bt-headline b { color: var(--navy); }

/* header nav (explorable from every page) */
.topnav { display: flex; align-items: center; gap: 6px 18px; }
.topnav > a:not(.btn) { font-size: 14px; font-weight: 600; color: var(--ink); text-decoration: none; white-space: nowrap; }
.topnav > a:not(.btn):hover { color: var(--navy); }
@media (max-width: 560px) {
  .brand small { display: none; }
  .topnav { gap: 12px; }
  .topnav > a:not(.btn) { font-size: 13px; }
  .topbar .btn-wa { font-size: 0; padding: 10px; }          /* icon-only Chat on mobile → nav fits */
  .topbar .btn-wa .wa-ico { width: 22px; height: 22px; margin: 0; }
}

/* "closer" — the consistent scroll-stopper CTA at the end of every content page.
   Same component everywhere; only the .bridge line + .alt link are tailored per page. */
.closer { background: linear-gradient(135deg, var(--navy), #00224f); color: #fff; border-radius: 20px;
  padding: 38px 28px; margin: 44px 0 12px; text-align: center; }
.closer .bridge { font-size: 17px; line-height: 1.65; color: #cfe0f5; max-width: 48ch; margin: 0 auto 20px; }
.closer .bridge b { color: #fff; }
.closer h3 { color: #fff; font-size: clamp(21px, 4vw, 27px); margin: 0 0 8px; }
.closer .sub { color: #9dc0ee; font-size: 14.5px; line-height: 1.6; margin: 0 auto 22px; max-width: 42ch; }
.closer .btn-wa { box-shadow: 0 10px 28px rgba(37,211,102,.42); }
.closer .alt { margin-top: 16px; font-size: 14px; color: #9dc0ee; }
.closer .alt a { color: #fff; font-weight: 600; }