:root{color-scheme:light;--navy:#10243E;--navy-deep:#0B1A2E;--navy-mid:#1D3A5F;--teal:#0E9F6E;--teal-dark:#0B7D57;--amber:#F5B544;--amber-soft:#FDF0D5;--paper:#FBFCFE;--card:#FFFFFF;--ink:#16283F;--muted:#5A6B80;--line:#D9E2EC;--red:#B3402F;--red-soft:#FAE9E5;--radius:14px;--shadow:0 10px 30px rgba(16,36,62,.1);--shadow-sm:0 4px 14px rgba(16,36,62,.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;line-height:1.65;font-size:16px}h1,h2,h3,.display{font-family:Bricolage Grotesque,Inter,sans-serif;line-height:1.18;color:var(--navy);letter-spacing:-.01em}a{color:var(--teal-dark);text-underline-offset:3px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--amber);outline-offset:2px}.wrap{max-width:1120px;margin:0 auto;padding:0 20px}section{scroll-margin-top:96px}header.site{position:sticky;top:0;z-index:50;background:var(--navy);color:#eaf1f8;border-bottom:3px solid var(--teal);box-shadow:0 2px 12px #0b1a2e40}header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}.logo{font-family:Bricolage Grotesque,sans-serif;font-size:1.5rem;font-weight:800;color:#fff;text-decoration:none;letter-spacing:-.02em}.logo em{color:var(--amber);font-style:normal}.logo .dot{color:var(--teal)}nav.main{display:flex;gap:2px;align-items:center}nav.main a{color:#d7e3f0;text-decoration:none;padding:8px 12px;border-radius:8px;font-size:.95rem;font-weight:500}nav.main a:hover{background:#ffffff1a;color:#fff}nav.main a.cta{background:var(--teal);color:#fff;font-weight:700}nav.main a.cta:hover{background:var(--teal-dark)}.burger{display:none;background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer;padding:4px 8px;line-height:1}@media(max-width:760px){.burger{display:block}nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 16px 16px;gap:2px;border-bottom:3px solid var(--teal)}nav.main.open{display:flex}nav.main a{padding:10px 12px}}.hero{padding:56px 0 40px;background:radial-gradient(700px 320px at 85% -60px,rgba(14,159,110,.14),transparent 60%),radial-gradient(560px 300px at 0% 0%,rgba(245,181,68,.1),transparent 55%),var(--paper);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1fr;gap:28px;align-items:center}@media(min-width:880px){.hero-grid{grid-template-columns:1.25fr .9fr}}.hero h1{font-size:clamp(2.1rem,5.2vw,3.3rem);margin:0 0 14px;font-weight:800}.hero h1 .hl{color:var(--teal-dark);box-shadow:inset 0 -.42em 0 var(--amber-soft);padding:0 2px}.hero p.lead{font-size:1.13rem;max-width:640px;color:#39506b;margin:0 0 24px}.hero-art{width:100%;height:auto;display:block}.badge{display:inline-block;background:var(--navy);color:#fff;padding:5px 13px;border-radius:999px;font-size:.8rem;font-weight:600;letter-spacing:.5px;text-transform:uppercase;margin-bottom:18px}.badge b{color:var(--amber)}.btn{display:inline-block;background:var(--teal);color:#fff;font-weight:700;text-decoration:none;border:0;padding:12px 22px;border-radius:10px;cursor:pointer;font-size:1rem;font-family:inherit;box-shadow:var(--shadow-sm);transition:transform .15s ease,background .15s ease}.btn:hover{background:var(--teal-dark);transform:translateY(-1px)}.btn.secondary{background:#fff;color:var(--navy);border:1.5px solid var(--navy)}.btn.secondary:hover{background:var(--amber-soft)}.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line);box-shadow:none}@media(max-width:760px){.hero .btn{display:block;width:100%;text-align:center}.hero .btn+.btn{margin-top:10px}}section{padding:40px 0}section h2{font-size:clamp(1.5rem,3.4vw,2.05rem);margin:0 0 8px;font-weight:800}section .sub{color:var(--muted);max-width:720px;margin:0 0 24px}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;gap:8px;box-shadow:var(--shadow-sm);transition:transform .15s ease,box-shadow .15s ease}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card h3{margin:0;font-size:1.22rem}.card p{margin:0;color:#41566e;flex:1}.card .num{font-size:.78rem;color:var(--teal-dark);font-weight:700;letter-spacing:1.4px}.card a.open{font-weight:700;color:var(--navy);text-decoration:none}.card a.open:after{content:" →";color:var(--teal)}.card a.open:hover{text-decoration:underline}.card .tanggal{font-size:.85rem;color:var(--muted);font-weight:600}.card img{width:100%;height:auto;border-radius:10px;display:block}.cols3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}.feature{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow-sm)}.feature h3{margin:0 0 6px;font-size:1.1rem}.feature p{margin:0;color:#41566e}ol.steps{padding-left:1.3rem;max-width:760px}ol.steps li{margin-bottom:10px}.calc-layout{display:grid;grid-template-columns:1fr;gap:24px;align-items:start}.calc-layout>*{min-width:0}@media(min-width:880px){.calc-layout{grid-template-columns:400px 1fr}}.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.panel h2{font-size:1.3rem;margin-top:0}.field{margin-bottom:16px}.field label{display:block;font-weight:600;margin-bottom:5px;font-size:.95rem;color:var(--navy)}.field .hint{font-size:.83rem;color:var(--muted);margin:3px 0 0}.field input[type=number],.field input[type=text],.field select{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:9px;background:#fff;font-size:1rem;font-family:inherit;color:var(--ink)}.field input:focus,.field select:focus{border-color:var(--teal)}.check{display:flex;gap:10px;align-items:flex-start;font-weight:600}.check input{width:20px;height:20px;margin-top:3px;accent-color:var(--teal);flex:none}.result{background:var(--navy);color:#e8f0f8;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);background-image:linear-gradient(160deg,var(--navy-mid),var(--navy) 55%)}.result h2,.result h3{color:var(--amber)}.result h2{margin-top:0;font-size:1.32rem}.result a{color:var(--amber-soft)}.result .big{font-family:Bricolage Grotesque,sans-serif;font-weight:800;font-size:clamp(1.7rem,4vw,2.35rem);color:#fff;margin:4px 0}dl.rincian{margin:14px 0 0;padding:0}dl.rincian .row{display:flex;justify-content:space-between;gap:14px;padding:8px 0;border-bottom:1px dashed rgba(232,240,248,.3)}dl.rincian dt{margin:0}dl.rincian dd{margin:0;font-weight:700;text-align:right;white-space:nowrap}dl.rincian .total{border-bottom:none;border-top:2px solid var(--amber);padding-top:12px;font-size:1.05rem}.note{background:var(--amber-soft);border:1px solid var(--amber);border-radius:10px;padding:14px 16px;font-size:.94rem}.warn{background:var(--red-soft);border:1px solid var(--red)}table.ledger{width:100%;border-collapse:collapse;background:#fff;font-size:.93rem;margin-top:14px}table.ledger th{background:var(--navy);color:#eaf1f8;text-align:right;padding:9px 10px;font-weight:600}table.ledger th:first-child{text-align:left}table.ledger td{padding:8px 10px;text-align:right;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}table.ledger td:first-child{text-align:left}.table-scroll{overflow-x:auto}.prose{max-width:780px}.prose h2{margin-top:34px}.prose h3{margin-top:24px}.formula{background:#fff;border:1.5px dashed var(--teal);border-radius:10px;padding:16px 18px;font-family:Bricolage Grotesque,sans-serif;font-size:1.03rem;overflow-x:auto;color:var(--navy)}.example{background:#fff;border:1px solid var(--line);border-left:5px solid var(--amber);padding:16px 18px;border-radius:0 10px 10px 0;box-shadow:var(--shadow-sm)}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:12px;box-shadow:var(--shadow-sm)}.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}.faq details p{margin:8px 0 0;color:#41566e}.crumb{font-size:.9rem;color:var(--muted);padding-top:22px;margin:0}.crumb a{color:var(--muted)}.page-head{padding:8px 0 4px}.page-head h1{font-size:clamp(1.8rem,4.6vw,2.65rem);margin:6px 0 10px;font-weight:800}.page-head p{max-width:720px;color:#39506b;font-size:1.06rem}.eyebrow{font-size:.85rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--teal-dark)}.eyebrow a{color:var(--teal-dark)}.lede{font-size:1.12rem;color:#39506b;max-width:720px}.tag{display:inline-block;background:#eaf3ee;color:var(--teal-dark);border-radius:999px;padding:3px 11px;font-size:.82rem;font-weight:600;margin-right:6px}.article-body{max-width:780px;padding-bottom:30px}.article-body p{margin:0 0 16px}.article-body h2{margin:30px 0 10px;font-size:1.45rem}.article-body img{width:100%;height:auto;border-radius:12px;margin:6px 0 20px;display:block}.notice{background:#eaf3ee;border:1px solid var(--teal);border-radius:10px;padding:16px 18px;margin:26px 0}.reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}.reveal.in{opacity:1;transform:none}html:not(.js) .reveal{opacity:1;transform:none}footer.site{margin-top:44px;background:var(--navy-deep);color:#b9c9db;padding:38px 0 26px;border-top:4px solid var(--teal)}footer.site h2,footer.site h4{color:#fff;font-size:1.05rem;margin:0 0 10px;font-family:Bricolage Grotesque,sans-serif}footer.site a{color:#9fd8c0;text-decoration:none}footer.site a:hover{text-decoration:underline}footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:26px}@media(max-width:760px){footer.site .cols{grid-template-columns:1fr 1fr}}footer.site ul{list-style:none;margin:0;padding:0}footer.site li{margin-bottom:6px;font-size:.93rem}footer.site .disc{font-size:.85rem;color:#7e93ab;border-top:1px solid rgba(255,255,255,.14);padding-top:14px;margin-top:20px}footer.site .fine{font-size:.88rem;color:#7e93ab;margin-top:10px}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}