:root{
  --navy-900:#0A1F35;
  --navy-800:#0F2A47;
  --navy-700:#123056;
  --navy-600:#1B4270;
  --navy-500:#2C5A8C;
  --blue-100:#E7EEF6;
  --blue-050:#F3F7FB;
  --surface:#FAFAF9;
  --ink:#10202F;
  --ink-soft:#51606f;
  --border:#DBE2E9;
  --white:#FFFFFF;
  --ok:#1E6B45;
  --ok-bg:#E3F3EA;
  --bad:#A8322B;
  --bad-bg:#FBE6E4;

  --font-head: 'Sora', sans-serif;
  --font-body: 'Inter', sans-serif;

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 28px;

  --space-1: 8px;
  --space-2: 16px;
  --space-3: 24px;
  --space-4: 40px;
  --space-5: 64px;
  --space-6: 96px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth; scroll-padding-top:88px;}
body{
  margin:0;
  background:var(--surface);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{
  font-family:var(--font-head);
  color:var(--navy-800);
  margin:0;
  line-height:1.15;
}
p{margin:0;}
a{color:inherit;}
button{font-family:inherit;}

.wrap{
  max-width:840px;
  margin:0 auto;
  padding:0 var(--space-3);
}

/* ---------- header ---------- */
header{
  position:sticky;
  top:0;
  z-index:20;
  background:rgba(250,250,249,0.9);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--border);
}
.header-inner{
  max-width:840px;
  margin:0 auto;
  padding:18px 24px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:var(--space-2);
}
.logo{
  font-family:var(--font-head);
  font-weight:800;
  font-size:1.25rem;
  color:var(--navy-800);
  letter-spacing:-0.01em;
  text-decoration:none;
  white-space:nowrap;
}
.logo span{color:var(--navy-500);}
.logo small{
  font-size:0.72em;
  font-weight:600;
  letter-spacing:0.04em;
  margin-left:4px;
}
.nav{
  display:flex;
  align-items:center;
  gap:6px;
}
.nav-plain{
  font-size:0.9375rem;
  font-weight:600;
  text-decoration:none;
  color:var(--navy-700);
  padding:10px 14px;
  border-radius:999px;
  transition:background-color .18s ease;
}
.nav-plain:hover{background:var(--blue-100);}
.nav-plain[aria-current="page"]{color:var(--navy-500);}
.nav-plain:focus-visible{outline:2px solid var(--navy-500); outline-offset:3px;}
.nav-link{
  font-size:0.9375rem;
  font-weight:600;
  text-decoration:none;
  color:var(--navy-700);
  padding:10px 20px;
  border-radius:999px;
  border:1.5px solid var(--navy-700);
  white-space:nowrap;
  transition:background-color .18s ease, color .18s ease;
}
.nav-link:hover{background:var(--navy-700); color:var(--white);}
.nav-link:focus-visible{outline:2px solid var(--navy-500); outline-offset:3px;}

@media (max-width:520px){
  .header-inner{padding:14px 16px;}
  .logo{font-size:1.0625rem;}
  .nav-plain{padding:8px 10px; font-size:0.875rem;}
  .nav-link{padding:8px 14px; font-size:0.875rem;}
}
.nav-plain{white-space:nowrap;}
/* layar kecil: header 2 baris — logo + Lihat FAQ di atas, link lain di bawah */
@media (max-width:640px){
  html{scroll-padding-top:124px;}
  .header-inner{flex-wrap:wrap; row-gap:6px; padding:12px 16px 8px;}
  .nav{display:contents;}
  .header-inner .logo{order:0;}
  .nav-link{order:1;}
  .header-inner::after{content:''; order:2; flex-basis:100%; height:0;}
  .nav-plain{order:3; flex:1; text-align:center;}
}
@media (max-width:420px){
  .header-inner{gap:8px;}
  .header-inner .logo small{display:none;}
  .nav{gap:2px;}
  .nav-plain{padding:8px 7px; font-size:0.8125rem;}
  .nav-link{padding:7px 11px; font-size:0.8125rem;}
}

/* ---------- hero ---------- */
.hero{
  background:var(--navy-900);
  position:relative;
  overflow:hidden;
  padding:var(--space-6) 0 var(--space-5);
}
.hero-blob{
  position:absolute;
  border-radius:50%;
  filter:blur(2px);
  opacity:0.5;
}
.hero-blob.b1{
  width:420px; height:420px;
  background:radial-gradient(circle at 30% 30%, var(--navy-600), transparent 70%);
  top:-160px; right:-140px;
}
.hero-blob.b2{
  width:300px; height:300px;
  background:radial-gradient(circle at 60% 40%, var(--navy-500), transparent 70%);
  bottom:-140px; left:-100px;
  opacity:0.35;
}
.hero-inner{
  position:relative;
  max-width:640px;
  margin:0 auto;
  padding:0 var(--space-3);
  text-align:left;
}
.hero h1{
  color:var(--white);
  font-size:clamp(2.1rem, 5vw, 3.25rem);
  font-weight:800;
  letter-spacing:-0.02em;
  opacity:0;
  animation:riseIn .7s ease forwards;
}
.hero p.lead{
  color:#C7D3E0;
  font-size:1.0625rem;
  max-width:560px;
  margin-top:var(--space-3);
  opacity:0;
  animation:riseIn .7s ease .12s forwards;
}
.hero-cta{
  margin-top:var(--space-4);
  display:inline-flex;
  align-items:center;
  gap:10px;
  background:var(--white);
  color:var(--navy-900);
  font-weight:700;
  font-size:0.9375rem;
  padding:14px 26px;
  border-radius:999px;
  text-decoration:none;
  opacity:0;
  animation:riseIn .7s ease .24s forwards;
  transition:transform .18s ease, box-shadow .18s ease;
}
.hero-cta:hover{transform:translateY(-2px); box-shadow:0 10px 24px rgba(0,0,0,0.25);}
.hero-cta:focus-visible{outline:2px solid var(--white); outline-offset:3px;}
.hero-cta svg{transition:transform .18s ease;}
.hero-cta:hover svg{transform:translateX(3px);}

@keyframes riseIn{
  from{opacity:0; transform:translateY(14px);}
  to{opacity:1; transform:translateY(0);}
}
@media (prefers-reduced-motion: reduce){
  .hero h1, .hero p.lead, .hero-cta{animation:none; opacity:1;}
}

/* ---------- faq section ---------- */
.faq-section{
  padding:var(--space-6) 0 var(--space-5);
}
.faq-section h2{
  font-size:clamp(1.5rem, 3vw, 2rem);
  font-weight:700;
  max-width:480px;
}
.faq-section > .wrap > p.section-sub{
  color:var(--ink-soft);
  max-width:480px;
  margin-top:var(--space-2);
  font-size:1rem;
}

.toc{
  margin-top:var(--space-4);
  background:var(--blue-050);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  overflow:hidden;
}
.toc-toggle{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:var(--space-2);
  background:none;
  border:none;
  cursor:pointer;
  padding:18px 20px;
  font-family:var(--font-head);
  font-weight:700;
  font-size:1rem;
  color:var(--navy-800);
  text-align:left;
}
.toc-toggle .chev{
  flex:none;
  width:18px;
  height:18px;
  color:var(--navy-600);
  transition:transform .2s ease;
}
.toc[data-open="true"] .toc-toggle .chev{
  transform:rotate(180deg);
}
.toc-list{
  max-height:0;
  overflow:hidden;
  transition:max-height .25s ease;
}
.toc-list ol{
  list-style:none;
  margin:0;
  padding:0 12px 12px;
}
.toc-list li{
  border-top:1px solid var(--border);
}
.toc-list li:first-child{
  border-top:none;
}
.toc-list a{
  display:flex;
  gap:12px;
  padding:12px 8px;
  font-size:0.9375rem;
  font-weight:600;
  color:var(--navy-700);
  text-decoration:none;
  border-radius:var(--radius-sm);
  transition:background-color .15s ease, color .15s ease;
}
.toc-list a:hover{
  background:var(--blue-100);
  color:var(--navy-800);
}
.code{
  flex:none;
  font-family:var(--font-head);
  font-weight:700;
  color:var(--navy-500);
  font-variant-numeric:tabular-nums;
  min-width:1.6em;
}

.accordion{
  margin-top:var(--space-4);
  border-top:1px solid var(--border);
}
.faq-item{
  border-bottom:1px solid var(--border);
}
.faq-q{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:var(--space-2);
  background:none;
  border:none;
  cursor:pointer;
  text-align:left;
  padding:26px 4px;
  font-family:var(--font-head);
  font-weight:600;
  font-size:1.0625rem;
  color:var(--navy-800);
}
.faq-q:focus-visible{
  outline:2px solid var(--navy-500);
  outline-offset:4px;
  border-radius:6px;
}
.faq-q .code{margin-right:2px;}
.faq-q-text{flex:1;}
.chev{
  flex-shrink:0;
  width:22px; height:22px;
  color:var(--navy-500);
  transition:transform .25s ease;
}
.faq-item[data-open="true"] .chev{transform:rotate(45deg);}

.faq-a{
  overflow:hidden;
  max-height:0;
  transition:max-height .35s ease;
}
.faq-a-inner{
  padding:0 4px var(--space-3) 4px;
  color:var(--ink);
  font-size:1rem;
  max-width:66ch;
}
.faq-a-inner p{margin-bottom:14px;}
.faq-a-inner p:last-child{margin-bottom:0;}
.faq-a-inner a{color:var(--navy-500); font-weight:600;}
.faq-a-inner a:hover{color:var(--navy-800);}

@media (hover:hover) and (pointer:fine){
  .faq-q:hover .faq-q-text{color:var(--navy-500);}
}

/* ---------- criteria grid ---------- */
.criteria-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  margin-top:6px;
}
@media (max-width:560px){
  .criteria-grid{grid-template-columns:1fr;}
}
.criteria-card{
  background:var(--blue-050);
  border-left:3px solid var(--navy-500);
  border-radius:8px;
  padding:16px 18px;
}
.criteria-card h4{
  font-family:var(--font-head);
  font-size:0.9375rem;
  font-weight:700;
  color:var(--navy-800);
  margin:0 0 6px 0;
}
.criteria-card p{
  font-size:0.9375rem;
  color:var(--ink-soft);
  margin:0;
}
.criteria-card ul{
  margin:8px 0 0 0;
  padding-left:18px;
  font-size:0.9375rem;
  color:var(--ink-soft);
}
.criteria-card li{margin-bottom:3px;}

/* ---------- alur tahapan (FAQ 15) ---------- */
.flow-head{
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:8px 12px;
  margin-bottom:14px;
}
.flow-head h4{
  font-family:var(--font-head);
  font-size:1.0625rem;
  font-weight:700;
  color:var(--navy-800);
  margin:0;
}
.process-total{
  display:flex;
  align-items:center;
  gap:14px;
  background:var(--navy-800);
  color:var(--white);
  border-radius:var(--radius-md);
  padding:16px 20px;
  margin-bottom:12px;
}
.process-total svg{flex:none; width:26px; height:26px; color:#9FC0E4;}
.process-total span{display:block; font-size:0.8125rem; color:#B7C8DA;}
.process-total strong{font-family:var(--font-head); font-size:1.25rem; font-weight:700;}

.flow-legend{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-bottom:var(--space-3);
}
.badge{
  display:inline-flex;
  align-items:center;
  gap:6px;
  background:var(--blue-100);
  color:var(--navy-700);
  font-size:0.8125rem;
  font-weight:600;
  padding:6px 12px;
  border-radius:999px;
}
.badge strong{font-weight:700;}
.dot{
  width:10px; height:10px;
  border-radius:50%;
  flex:none;
}
.dot.p1{background:var(--navy-800);}
.dot.p2{background:var(--navy-500);}

.flow{
  --arrow:var(--navy-500);
  list-style:none;
  margin:0;
  padding:0;
  display:grid;
  grid-template-columns:1fr 56px 1fr;
  grid-template-areas:
    "n1 a12 n2"
    ".  .   a23"
    ".  .   n3"
    ".  .   a34"
    "n5 a45 n4";
}
.n1{grid-area:n1;} .n2{grid-area:n2;} .n3{grid-area:n3;}
.n4{grid-area:n4;} .n5{grid-area:n5;}
.a12{grid-area:a12;} .a23{grid-area:a23;}
.a34{grid-area:a34;} .a45{grid-area:a45;}

.fnode{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:12px;
  padding:16px 14px;
  text-align:center;
  display:flex;
  flex-direction:column;
  align-items:center;
}
.fnum{
  width:34px; height:34px;
  border-radius:50%;
  color:var(--white);
  font-family:var(--font-head);
  font-weight:700;
  font-size:0.9375rem;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:8px;
}
.fnode.p1 .fnum{background:var(--navy-800);}
.fnode.p2 .fnum{background:var(--navy-500);}
.fnode.p2{border-color:#C3D3E4; background:var(--blue-050);}
.fnode h5{
  font-family:var(--font-head);
  font-size:0.9375rem;
  font-weight:700;
  color:var(--navy-800);
  margin:0;
  line-height:1.3;
}
.fnode p{
  font-size:0.8125rem;
  color:var(--ink-soft);
  margin:4px 0 0 !important;
}
.fnode .tags{justify-content:center;}

/* panah */
.farrow{position:relative;}
.farrow::after{
  content:'';
  position:absolute;
  border:6px solid transparent;
}
.a12, .a45{
  align-self:center;
  height:2px;
  margin:0 8px;
  background:var(--arrow);
}
.a12::after{right:-8px; top:-5px; border-left:8px solid var(--arrow);}
.a45::after{left:-8px; top:-5px; border-right:8px solid var(--arrow);}
.a23, .a34{
  justify-self:center;
  width:2px;
  height:30px;
  margin:6px 0 10px;
  background:var(--arrow);
}
.a23::after, .a34::after{left:-5px; bottom:-8px; border-top:8px solid var(--arrow);}

@media (max-width:560px){
  .flow{display:flex; flex-direction:column;}
  .a12, .a45{
    align-self:center;
    width:2px;
    height:24px;
    margin:6px 0 10px;
  }
  .a23, .a34{align-self:center; height:24px;}
  .a12::after, .a45::after{
    left:-5px; right:auto; top:auto; bottom:-8px;
    border:6px solid transparent;
    border-top:8px solid var(--arrow);
  }
}

.step-num{
  flex:none;
  width:32px; height:32px;
  border-radius:50%;
  background:var(--navy-700);
  color:var(--white);
  font-family:var(--font-head);
  font-weight:700;
  font-size:0.875rem;
  display:flex;
  align-items:center;
  justify-content:center;
}
.tags{
  display:flex;
  flex-wrap:wrap;
  gap:6px;
  margin-top:8px;
}
.tag{
  font-size:0.75rem;
  font-weight:600;
  color:var(--navy-600);
  border:1px solid var(--border);
  background:var(--white);
  padding:3px 9px;
  border-radius:999px;
}

/* ---------- checklist (FAQ 20, 80) ---------- */
.check-list{
  list-style:none;
  margin:8px 0 0 0;
  padding:0;
}
.check-list li{
  display:flex;
  gap:12px;
  padding:12px 0;
  border-bottom:1px solid var(--border);
  font-size:0.9375rem;
  color:var(--ink);
}
.check-list li:last-child{border-bottom:none;}
.check-mark{
  flex-shrink:0;
  width:20px; height:20px;
  margin-top:2px;
  color:var(--navy-500);
}

/* ---------- funding types (FAQ 99) ---------- */
.fund-types{
  list-style:none;
  margin:4px 0 0;
  padding:0;
  display:grid;
  gap:12px;
}
.fund-type{
  display:flex;
  gap:14px;
  background:var(--blue-050);
  border:1px solid var(--border);
  border-radius:12px;
  padding:16px 18px;
}
.fund-type .step-num{background:var(--navy-500);}
.fund-type h5{
  font-family:var(--font-head);
  font-size:0.9375rem;
  font-weight:700;
  color:var(--navy-800);
  margin:5px 0 4px;
}
.fund-type p{
  font-size:0.9375rem;
  color:var(--ink-soft);
  margin:0 !important;
}
.fund-type .note{
  display:inline-block;
  margin-top:8px;
  font-size:0.75rem;
  font-weight:700;
  color:var(--navy-700);
  background:var(--blue-100);
  padding:3px 10px;
  border-radius:999px;
}

/* ---------- portfolio page ---------- */
.hero.hero-sm{padding:var(--space-5) 0 var(--space-5);}
.stats{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:var(--space-4);
  opacity:0;
  animation:riseIn .7s ease .24s forwards;
}
.stat{
  background:rgba(255,255,255,0.06);
  border:1px solid rgba(255,255,255,0.12);
  border-radius:var(--radius-md);
  padding:14px 20px;
  min-width:120px;
}
.stat strong{
  display:block;
  font-family:var(--font-head);
  font-size:1.75rem;
  font-weight:800;
  color:var(--white);
  line-height:1.1;
}
.stat span{font-size:0.8125rem; color:#B7C8DA;}
@media (max-width:520px){
  .stats{display:grid; grid-template-columns:repeat(3, 1fr); gap:8px;}
  .stat{min-width:0; padding:12px 14px;}
  .stat strong{font-size:1.5rem;}
}
@media (prefers-reduced-motion: reduce){
  .stats{animation:none; opacity:1;}
}

.portfolio-section{padding:var(--space-5) 0 var(--space-6);}
.portfolio-head{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:12px;
}
.portfolio-head h2{font-size:clamp(1.5rem, 3vw, 2rem); font-weight:700;}
.updated{
  font-size:0.8125rem;
  font-weight:600;
  color:var(--ink-soft);
  background:var(--blue-100);
  padding:6px 12px;
  border-radius:999px;
}
.sector-grid{
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:16px;
  margin-top:var(--space-4);
}
@media (max-width:640px){
  .sector-grid{grid-template-columns:1fr;}
}
.sector{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:22px;
  display:flex;
  flex-direction:column;
  transition:border-color .18s ease, box-shadow .18s ease;
}
.sector:hover{border-color:#B9C8D8; box-shadow:0 8px 24px rgba(15,42,71,0.06);}
.sector-top{
  display:flex;
  align-items:center;
  gap:14px;
}
.sector-icon{
  flex:none;
  width:48px; height:48px;
  border-radius:12px;
  background:var(--navy-800);
  color:var(--white);
  display:flex;
  align-items:center;
  justify-content:center;
}
.sector-icon svg{width:24px; height:24px;}
.sector-label{
  font-size:0.75rem;
  font-weight:600;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--ink-soft);
}
.sector h3{
  font-size:1.0625rem;
  font-weight:700;
}
.sector h3 small{
  font-family:var(--font-body);
  font-size:0.8125rem;
  font-weight:500;
  color:var(--ink-soft);
}
.companies{
  list-style:none;
  margin:18px 0 0;
  padding:0;
  border-top:1px solid var(--border);
}
.company{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  padding:12px 0;
  border-bottom:1px solid var(--border);
}
.company:last-child{border-bottom:none; padding-bottom:0;}
.company strong{
  font-family:var(--font-head);
  font-weight:700;
  font-size:1rem;
  color:var(--navy-800);
  letter-spacing:0.02em;
}
.company .loc{
  display:inline-flex;
  align-items:center;
  gap:5px;
  font-size:0.875rem;
  color:var(--ink-soft);
}
.company .loc svg{width:14px; height:14px; color:var(--navy-500);}

.cta-box{
  margin-top:var(--space-5);
  background:var(--navy-800);
  border-radius:var(--radius-lg);
  padding:var(--space-4);
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:var(--space-3);
}
.cta-box h3{color:var(--white); font-size:1.25rem;}
.cta-box p{color:#B7C8DA; margin-top:6px; font-size:0.9375rem;}
.cta-box .hero-cta{margin-top:0; opacity:1; animation:none;}
@media (max-width:520px){
  .cta-box{padding:var(--space-3);}
}

/* ---------- quick fund page (SA) ---------- */
.qf-chips{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-bottom:var(--space-2);
  opacity:0;
  animation:riseIn .7s ease forwards;
}
.qf-chip{
  font-family:var(--font-head);
  font-size:0.8125rem;
  font-weight:700;
  letter-spacing:0.04em;
  color:var(--white);
  background:rgba(255,255,255,0.1);
  border:1px solid rgba(255,255,255,0.2);
  padding:5px 12px;
  border-radius:999px;
}
.qf-chip-alt{background:var(--white); color:var(--navy-900); border-color:var(--white);}
.hero p.lead strong{color:var(--white);}
.qf-stats .stat strong{font-size:1.5rem;}
.qf-stats .qf-stat-wide strong{font-size:1.125rem; padding:5px 0 4px;}
@media (max-width:520px){
  .qf-stats{grid-template-columns:1fr 1fr;}
  .qf-stats .qf-stat-wide{grid-column:1 / -1;}
  .qf-stats .stat strong{font-size:1.25rem;}
  .qf-stats .qf-stat-wide strong{font-size:1.0625rem;}
}
@media (prefers-reduced-motion: reduce){
  .qf-chips{animation:none; opacity:1;}
}

.qf-section{padding:var(--space-5) 0;}
.qf-section-alt{
  background:var(--white);
  border-top:1px solid var(--border);
  padding-bottom:var(--space-6);
}
.qf-section h2{font-size:clamp(1.5rem, 3vw, 2rem); font-weight:700;}
.qf-section .section-sub{
  color:var(--ink-soft);
  margin-top:10px;
}

.qf-checks{
  list-style:none;
  margin:var(--space-3) 0 0;
  padding:0;
  display:grid;
  gap:10px;
}
.qf-check{
  display:flex;
  align-items:center;
  gap:14px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:12px;
  padding:16px 18px;
  font-size:0.9375rem;
}
.qf-box{
  flex:none;
  width:24px; height:24px;
  border-radius:7px;
  background:var(--navy-500);
  color:var(--white);
  display:flex;
  align-items:center;
  justify-content:center;
}
.qf-box svg{width:15px; height:15px;}
.qf-check-text strong{color:var(--navy-800);}
.qf-check-text small{color:var(--ink-soft); font-size:0.8125rem;}
.qf-check sup, .qf-footnote sup{color:var(--navy-500); font-weight:700;}

.qf-footnote{
  margin-top:14px;
  font-size:0.875rem;
  color:var(--ink-soft);
}

.qf-docs{
  list-style:none;
  margin:var(--space-3) 0 0;
  padding:0;
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:12px;
}
@media (max-width:640px){
  .qf-docs{grid-template-columns:1fr;}
}
.qf-doc{
  display:flex;
  align-items:center;
  gap:14px;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:16px 18px;
}
.qf-doc .sector-icon{width:44px; height:44px;}
.qf-doc .sector-icon svg{width:22px; height:22px;}
.qf-doc-num{
  display:block;
  font-family:var(--font-head);
  font-size:0.75rem;
  font-weight:700;
  color:var(--navy-500);
  letter-spacing:0.06em;
}
.qf-doc h3{font-size:0.9875rem; font-weight:700; line-height:1.3;}

.qf-quota{
  margin-top:var(--space-4);
  display:flex;
  align-items:center;
  gap:12px;
  border:1.5px dashed var(--navy-500);
  border-radius:var(--radius-md);
  padding:16px 20px;
  color:var(--navy-800);
  font-size:0.9375rem;
}
.qf-quota svg{flex:none; width:24px; height:24px; color:var(--navy-500);}
.qf-section .cta-box{margin-top:var(--space-3);}

/* ---------- simulasi marjin (link di halaman program + subhalaman) ---------- */
.sim-section + .qf-section > .wrap > .qf-quota:first-child{margin-top:0;}
.sim-link{
  margin-top:var(--space-3);
  display:flex;
  align-items:center;
  gap:16px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:20px 22px;
  text-decoration:none;
  transition:border-color .18s ease, box-shadow .18s ease, transform .18s ease;
}
.sim-link:hover{border-color:var(--navy-500); box-shadow:0 8px 22px rgba(10,31,53,0.08); transform:translateY(-1px);}
.sim-link:focus-visible{outline:2px solid var(--navy-500); outline-offset:3px;}
.sim-link .sector-icon{width:44px; height:44px;}
.sim-link .sector-icon svg{width:22px; height:22px;}
.sim-link-text{flex:1;}
.sim-link-text h3{font-size:1.0625rem; font-weight:700;}
.sim-link-text p{color:var(--ink-soft); font-size:0.9375rem; margin-top:4px;}
.sim-link-arrow{flex:none; width:20px; height:20px; color:var(--navy-500); transition:transform .18s ease;}
.sim-link:hover .sim-link-arrow{transform:translateX(3px);}

.sim-back{
  display:inline-flex;
  align-items:center;
  gap:6px;
  margin:-10px 0 var(--space-2) -10px;
  padding:10px;
  min-height:44px;
  color:#C7D3E0;
  font-size:0.875rem;
  font-weight:600;
  text-decoration:none;
  border-radius:var(--radius-sm);
}
.sim-back:hover{color:var(--white);}
.sim-back:focus-visible{outline:2px solid var(--white); outline-offset:0;}

.sim-steps{
  list-style:none;
  margin:var(--space-3) 0 0;
  padding:0;
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:12px;
}
.sim-step{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:16px 18px;
}
.sim-step h3{font-size:0.9875rem; font-weight:700; margin-top:2px;}
.sim-formula{
  margin-top:10px;
  font-family:var(--font-head);
  font-weight:600;
  font-size:0.9375rem;
  color:var(--navy-600);
  background:var(--blue-050);
  border-radius:8px;
  padding:8px 10px;
}

.sim-cases{
  margin-top:var(--space-3);
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:12px;
}
.sim-case{
  display:flex;
  flex-direction:column;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:18px;
}
.sim-case-head{display:flex; align-items:center; justify-content:space-between; gap:8px;}
.sim-case-head h3{font-size:1.0625rem; font-weight:700;}
.sim-badge{
  font-family:var(--font-head);
  font-size:0.75rem;
  font-weight:700;
  letter-spacing:0.04em;
  padding:4px 10px;
  border-radius:999px;
}
.sim-badge.is-pass{background:var(--ok-bg); color:var(--ok);}
.sim-badge.is-fail{background:var(--bad-bg); color:var(--bad);}

.sim-rows{margin:14px 0 0; display:grid; gap:8px; font-size:0.875rem;}
.sim-rows > div{display:flex; justify-content:space-between; gap:12px;}
.sim-rows dt{color:var(--ink-soft);}
.sim-rows dd{margin:0; font-weight:600; color:var(--navy-800); text-align:right;}
.sim-case-note{margin-top:12px; font-size:0.8125rem; color:var(--ink-soft);}
.sim-case-total{
  margin-top:auto;
  padding-top:14px;
  border-top:1px dashed var(--border);
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:12px;
  font-size:0.875rem;
  color:var(--ink-soft);
}
.sim-case .sim-rows + .sim-case-total,
.sim-case .sim-case-note + .sim-case-total{margin-top:14px;}
.sim-case-total strong{font-family:var(--font-head); font-size:1.375rem; color:var(--navy-800);}
.sim-try{
  margin-top:14px;
  min-height:44px;
  padding:10px 16px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:999px;
  color:var(--navy-800);
  font-weight:600;
  font-size:0.875rem;
  cursor:pointer;
  transition:border-color .18s ease, background .18s ease;
}
.sim-try:hover{border-color:var(--navy-500); background:var(--blue-050);}
.sim-try:focus-visible{outline:2px solid var(--navy-500); outline-offset:2px;}

.sim-calc{
  margin-top:var(--space-3);
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:var(--space-3);
}
.sim-fields{display:grid; grid-template-columns:1fr 1fr 0.7fr; gap:12px;}
.sim-field{display:grid; gap:6px; min-width:0; font-size:0.875rem; font-weight:600; color:var(--navy-800);}
.sim-input{
  display:flex;
  align-items:center;
  gap:6px;
  border:1px solid var(--border);
  border-radius:var(--radius-sm);
  background:var(--surface);
  padding:0 12px;
}
.sim-input:focus-within{border-color:var(--navy-500); box-shadow:0 0 0 3px var(--blue-100);}
.sim-input em{font-style:normal; color:var(--ink-soft); font-weight:500;}
.sim-input input{
  flex:1;
  width:100%;
  min-width:0;
  border:0;
  background:none;
  padding:12px 0;
  min-height:48px;
  font:600 1rem var(--font-body);
  color:var(--ink);
  outline:none;
}
.sim-days{
  margin-top:12px;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:8px;
  font-size:0.8125rem;
  color:var(--ink-soft);
}
.sim-days button{
  min-height:36px;
  padding:6px 12px;
  border:1px solid var(--border);
  border-radius:999px;
  background:var(--white);
  color:var(--navy-800);
  font-size:0.8125rem;
  font-weight:600;
  cursor:pointer;
  transition:border-color .18s ease, background .18s ease;
}
.sim-days button:hover{border-color:var(--navy-500);}
.sim-days button:focus-visible{outline:2px solid var(--navy-500); outline-offset:2px;}
.sim-days button[aria-pressed="true"]{background:var(--navy-800); border-color:var(--navy-800); color:var(--white);}

.sim-result{
  margin-top:var(--space-3);
  border-radius:var(--radius-md);
}
.sim-out-total{margin-top:0;}
.sim-out-total strong{font-size:1.75rem;}
.sim-out{margin-top:14px; font-size:0.9375rem;}
.sim-verdict{
  margin-top:12px;
  border-radius:var(--radius-sm);
  padding:12px 14px;
  font-size:0.9375rem;
}
.sim-verdict strong{margin-right:4px;}
.sim-verdict.is-pass{background:var(--ok-bg); color:var(--ok);}
.sim-verdict.is-fail{background:var(--bad-bg); color:var(--bad);}
.sim-result.is-flash{animation:simFlash 1.1s ease;}
@keyframes simFlash{
  0%{box-shadow:0 0 0 0 rgba(44,90,140,0);}
  25%{box-shadow:0 0 0 8px rgba(44,90,140,0.18);}
  100%{box-shadow:0 0 0 0 rgba(44,90,140,0);}
}
@media (prefers-reduced-motion: reduce){
  .sim-result.is-flash{animation:none;}
}

/* tablet: contoh jadi 1 kolom, detail tiap contoh jadi grid ringkas */
@media (max-width:900px){
  .sim-cases{grid-template-columns:1fr;}
  .sim-case{padding:20px;}
  .sim-case .sim-rows{grid-template-columns:repeat(3, 1fr); gap:14px 16px;}
  .sim-case .sim-rows > div{flex-direction:column; justify-content:flex-start; gap:2px;}
  .sim-case .sim-rows dt{font-size:0.8125rem;}
  .sim-case .sim-rows dd{text-align:left; font-size:0.9375rem;}
}
@media (max-width:900px) and (min-width:561px){
  .sim-case{display:grid; grid-template-columns:1fr auto; column-gap:var(--space-3);}
  .sim-case > *{grid-column:1 / -1;}
  .sim-case > .sim-case-total{grid-column:1; margin-top:14px;}
  .sim-case > .sim-try{grid-column:2; align-self:end; margin-top:0;}
}

/* mobile */
@media (max-width:640px){
  .sim-steps{grid-template-columns:1fr; gap:8px;}
  .sim-step{display:grid; grid-template-columns:28px 1fr; column-gap:10px; align-items:center; padding:14px 16px;}
  .sim-step .qf-doc-num{grid-row:span 2; font-size:1rem;}
  .sim-step h3{margin-top:0;}
  .sim-formula{margin-top:6px; padding:6px 10px; font-size:0.875rem;}
}
@media (max-width:560px){
  .sim-case{padding:16px;}
  .sim-case .sim-rows{grid-template-columns:1fr 1fr; gap:12px;}
  .sim-try{width:100%;}
  .sim-fields{grid-template-columns:1fr;}
  .sim-calc{padding:var(--space-2); border-radius:var(--radius-md);}
  .sim-out-total strong{font-size:2rem;}
  .sim-verdict{font-size:0.875rem;}
}

.qf-sticky{display:none;}
@media (max-width:640px){
  .qf-sticky{
    position:fixed;
    left:16px; right:16px;
    bottom:calc(16px + env(safe-area-inset-bottom));
    z-index:30;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:10px;
    background:var(--navy-800);
    color:var(--white);
    font-weight:700;
    font-size:0.9375rem;
    text-decoration:none;
    padding:15px 20px;
    border-radius:999px;
    box-shadow:0 10px 28px rgba(10,31,53,0.3);
    transition:transform .25s ease, opacity .25s ease;
  }
  .qf-sticky.is-hidden{transform:translateY(140%); opacity:0; pointer-events:none;}
  .page-qf footer{padding-bottom:calc(var(--space-4) + 72px);}
}

/* ---------- faq proses pendanaan page ---------- */
.fp-section{padding:var(--space-5) 0 var(--space-6);}

.fp-tabs{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:4px;
  background:var(--blue-100);
  border:1px solid var(--border);
  border-radius:999px;
  padding:5px;
}
.fp-tab{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:11px 12px;
  border-radius:999px;
  font-family:var(--font-head);
  font-weight:600;
  font-size:0.9375rem;
  color:var(--navy-700);
  text-decoration:none;
  white-space:nowrap;
  transition:background-color .18s ease, color .18s ease, box-shadow .18s ease;
}
.fp-tab:hover{color:var(--navy-800); background:rgba(255,255,255,0.55);}
.fp-tab:focus-visible{outline:2px solid var(--navy-500); outline-offset:2px;}
.fp-tab[aria-selected="true"]{
  background:var(--white);
  color:var(--navy-800);
  font-weight:700;
  box-shadow:0 2px 8px rgba(15,42,71,0.12);
}
.fp-tab-num{
  flex:none;
  width:22px; height:22px;
  border-radius:50%;
  background:var(--white);
  color:var(--navy-500);
  font-size:0.75rem;
  font-weight:700;
  display:flex;
  align-items:center;
  justify-content:center;
}
.fp-tab[aria-selected="true"] .fp-tab-num{background:var(--navy-800); color:var(--white);}
@media (max-width:420px){
  .fp-tab{flex-direction:column; gap:4px; padding:9px 6px; font-size:0.8125rem; border-radius:18px;}
  .fp-tabs{border-radius:22px;}
}

.fp-panel{animation:fpIn .3s ease;}
@keyframes fpIn{
  from{opacity:0; transform:translateY(6px);}
  to{opacity:1; transform:translateY(0);}
}
@media (prefers-reduced-motion: reduce){
  .fp-panel{animation:none;}
}

.fp-item{
  padding:var(--space-4) 0;
  border-bottom:1px solid var(--border);
}
.fp-q{
  display:flex;
  gap:10px;
  font-size:clamp(1.1875rem, 2.4vw, 1.375rem);
  font-weight:700;
  line-height:1.3;
}
.fp-a{margin-top:var(--space-2); max-width:66ch;}
.fp-a > p{margin-bottom:14px;}
.fp-a > p:last-child{margin-bottom:0;}
.fp-a a{color:var(--navy-500); font-weight:600;}
.fp-a a:hover{color:var(--navy-800);}

.fp-steps{
  list-style:none;
  margin:0 0 12px;
  padding:0;
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:12px;
}
.fp-step{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:12px;
  padding:16px 14px;
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:8px;
  text-align:center;
}
.fp-step h5{
  font-family:var(--font-head);
  font-size:0.9375rem;
  font-weight:700;
  color:var(--navy-800);
  margin:0;
}
@media (max-width:520px){
  .fp-steps{grid-template-columns:1fr;}
  .fp-step{flex-direction:row; text-align:left;}
  .fp-step .tag{margin-left:auto;}
}

.fp-note{
  margin-top:14px;
  display:flex;
  align-items:center;
  gap:12px;
  border:1.5px dashed var(--navy-500);
  border-radius:var(--radius-md);
  padding:14px 18px;
  color:var(--navy-800);
  font-size:0.9375rem;
}
.fp-note svg{flex:none; width:22px; height:22px; color:var(--navy-500);}

.fp-next{
  margin-top:var(--space-3);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:16px 20px;
  text-decoration:none;
  font-family:var(--font-head);
  font-weight:700;
  color:var(--navy-800);
  transition:border-color .18s ease, box-shadow .18s ease;
}
.fp-next small{
  display:block;
  font-family:var(--font-body);
  font-size:0.75rem;
  font-weight:600;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--ink-soft);
}
.fp-next svg{color:var(--navy-500); transition:transform .18s ease;}
.fp-next:hover{border-color:#B9C8D8; box-shadow:0 8px 24px rgba(15,42,71,0.06);}
.fp-next:hover svg{transform:translateX(3px);}
.fp-next:focus-visible{outline:2px solid var(--navy-500); outline-offset:3px;}
.fp-section .cta-box{margin-top:var(--space-4);}

/* ---------- footer ---------- */
footer{
  background:var(--navy-900);
  padding:var(--space-4) 0;
}
.footer-inner{
  max-width:840px;
  margin:0 auto;
  padding:0 var(--space-3);
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:12px;
}
.footer-inner .logo{color:var(--white);}
.footer-inner .logo span{color:#7FA3CC;}
.footer-note{
  color:#9FB2C4;
  font-size:0.875rem;
}

@media (max-width:600px){
  .footer-inner{flex-direction:column; align-items:flex-start; text-align:left;}
}