/* ========================================
   BPR Credit Online - Styles
   Mobile First & SEO Friendly
   ======================================== */

/* CSS Variables */
:root {
    --primary: #1E3A5F;
    --secondary: #2E7D32;
    --accent: #FFB300;
    --accent-dark: #FF8F00;
    --bg-light: #F8FAFC;
    --bg-white: #FFFFFF;
    --text-primary: #1A1A2E;
    --text-secondary: #64748B;
    --error: #DC2626;
    --success: #16A34A;
    --border: #E2E8F0;
    --shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    --shadow-hover: 0 8px 30px rgba(0, 0, 0, 0.12);
    --radius: 12px;
    --radius-sm: 8px;
    --transition: 0.3s ease;
    --container: 1200px;
    --section-padding: 80px;
    --section-padding-mobile: 48px;
}

/* Reset & Base */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text-primary);
    background-color: var(--bg-light);
    overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    line-height: 1.2;
    color: var(--text-primary);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.5rem; }

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

ul {
    list-style: none;
}

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

button, input, select, textarea {
    font-family: inherit;
    font-size: inherit;
}

/* Container */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 20px;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    font-weight: 600;
    border-radius: var(--radius-sm);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
}

.btn-primary {
    background-color: var(--accent);
    color: var(--text-primary);
    border-color: var(--accent);
}

.btn-primary:hover {
    background-color: var(--accent-dark);
    border-color: var(--accent-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-hover);
}

.btn-secondary {
    background-color: transparent;
    color: var(--primary);
    border-color: var(--primary);
}

.btn-secondary:hover {
    background-color: var(--primary);
    color: var(--bg-white);
}

.btn-outline {
    background-color: transparent;
    color: var(--primary);
    border-color: var(--primary);
}

.btn-outline:hover {
    background-color: var(--primary);
    color: var(--bg-white);
}

.btn-lg {
    padding: 16px 32px;
    font-size: 1.125rem;
}

/* ========================================
   Header
   ======================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background-color: var(--bg-white);
    box-shadow: var(--shadow);
    z-index: 1000;
    padding: 16px 0;
}

.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 8px;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.5rem;
    color: var(--primary);
}

.logo-icon {
    font-size: 1.75rem;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-weight: 500;
    color: var(--text-primary);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent);
    transition: var(--transition);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

.nav-auth {
    display: flex;
    align-items: center;
    gap: 12px;
}

/* Mobile Toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
    background: none;
    border: none;
    cursor: pointer;
}

.mobile-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background-color: var(--text-primary);
    transition: var(--transition);
}

.mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ========================================
   Hero Section
   ======================================== */
.hero {
    padding: calc(80px + 40px) 0 40px;
    background: linear-gradient(135deg, var(--primary) 0%, #2C5282 50%, var(--secondary) 100%);
    color: var(--bg-white);
    display: flex;
    align-items: center;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: 32px;
    align-items: center;
}

.hero-text h1 {
    color: var(--bg-white);
    font-size: 2.25rem;
    margin-bottom: 16px;
}

.hero-text p {
    font-size: 1.125rem;
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 500px;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 40px;
}

.hero-cta .btn {
    min-width: 160px;
}

.hero-cta .btn-secondary {
    border-color: var(--bg-white);
    color: var(--bg-white);
}

.hero-cta .btn-secondary:hover {
    background-color: var(--bg-white);
    color: var(--primary);
}

.hero-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 32px;
}

.stat {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-family: 'Poppins', sans-serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--accent);
}

.stat-label {
    font-size: 0.875rem;
    opacity: 0.8;
}

.hero-simulasi {
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-simulasi .simulasi-card {
    max-width: 420px;
    width: 100%;
    margin: 0;
    padding: 16px 18px 14px;
    gap: 10px;
    background: rgba(255, 255, 255, 0.97);
}

.hero-simulasi-title {
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary);
    padding-bottom: 8px;
    border-bottom: 2px solid var(--border);
}

.hero-simulasi-desc {
    font-size: 0.8125rem;
    color: var(--text-secondary);
    margin-top: 2px;
    margin-bottom: 0;
}

.hero-simulasi .simulasi-result {
    grid-template-columns: 1fr;
    gap: 6px;
}

.hero-simulasi .result-item {
    padding: 7px 10px;
}

.hero-simulasi .result-label {
    font-size: 0.8125rem;
}

.hero-simulasi .result-value {
    font-size: 0.875rem;
}

.hero-simulasi .simulasi-actions {
    margin-top: 4px;
}

.hero-simulasi .simulasi-actions .btn {
    padding: 10px 24px;
    font-size: 0.9375rem;
}

.hero-simulasi .simulasi-group label {
    font-size: 0.875rem;
    margin-bottom: 6px;
}

.hero-simulasi .simulasi-value {
    font-size: 0.875rem;
    margin-top: 6px;
}

.hero-simulasi .simulasi-controls {
    gap: 12px;
}

/* ========================================
   Simulasi Kredit Section
   ======================================== */
.simulasi-card {
    max-width: 920px;
    margin: 0 auto;
    background: linear-gradient(145deg, #ffffff 0%, #f3f8ff 100%);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 32px 24px;
    display: grid;
    gap: 28px;
}

.simulasi-controls {
    display: grid;
    gap: 24px;
}

.simulasi-group label {
    display: block;
    margin-bottom: 10px;
    font-weight: 600;
    color: var(--text-primary);
}

.simulasi-group input[type="range"] {
    width: 100%;
    accent-color: var(--secondary);
}

.simulasi-value {
    margin-top: 10px;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    color: var(--primary);
}

.simulasi-result {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
}

.result-item {
    background-color: var(--bg-light);
    border-radius: var(--radius-sm);
    padding: 14px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
}

.result-label {
    color: var(--text-secondary);
    font-size: 0.9375rem;
}

.result-value {
    font-family: 'Poppins', sans-serif;
    color: var(--text-primary);
}

.result-item.highlight {
    background-color: #e8f5e9;
    border: 1px solid #c8e6c9;
}

.simulasi-actions {
    margin-top: 24px;
    text-align: center;
}

/* ========================================
   Section Styles
   ======================================== */
section {
    padding: var(--section-padding) 0;
}

.section-header {
    text-align: center;
    margin-bottom: 48px;
}

.section-header h2 {
    margin-bottom: 12px;
}

.section-header p {
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

/* ========================================
   Keunggulan Section
   ======================================== */
.keunggulan {
    background-color: var(--bg-white);
}

.keunggulan-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 24px;
}

.keunggulan-card {
    background-color: var(--bg-light);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    transition: var(--transition);
}

.keunggulan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-hover);
}

.keunggulan-icon {
    font-size: 3rem;
    margin-bottom: 16px;
}

.keunggulan-card h3 {
    margin-bottom: 12px;
    font-size: 1.25rem;
}

.keunggulan-card p {
    color: var(--text-secondary);
    font-size: 0.9375rem;
}

/* ========================================
   Produk Section
   ======================================== */
.produk-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.produk-card {
    background-color: var(--bg-white);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    border: 2px solid transparent;
}

.produk-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-hover);
}

.produk-card.featured {
    border-color: var(--accent);
}

.produk-badge {
    position: absolute;
    top: -12px;
    right: 24px;
    background-color: var(--accent);
    color: var(--text-primary);
    padding: 4px 16px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
}

.produk-icon {
    font-size: 3rem;
    margin-bottom: 16px;
}

.produk-card h3 {
    margin-bottom: 12px;
}

.produk-card > p {
    color: var(--text-secondary);
    margin-bottom: 20px;
}

.produk-details {
    margin-bottom: 24px;
    padding: 16px;
    background-color: var(--bg-light);
    border-radius: var(--radius-sm);
}

.produk-details li {
    font-size: 0.875rem;
    margin-bottom: 8px;
    color: var(--text-secondary);
}

.produk-details li:last-child {
    margin-bottom: 0;
}

.produk-details li strong {
    color: var(--text-primary);
}

.produk-card .btn {
    width: 100%;
}

/* ========================================
   Form Section
   ======================================== */
.ajuan {
    background-color: var(--bg-light);
}

.form-container {
    max-width: 800px;
    margin: 0 auto;
    background-color: var(--bg-white);
    border-radius: var(--radius);
    padding: 40px 24px;
    box-shadow: var(--shadow);
}

.terms-intro {
    background-color: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 24px;
    margin-bottom: 28px;
}

.terms-intro h3 {
    margin-bottom: 12px;
    text-align: left;
}

.terms-intro > p {
    color: var(--text-secondary);
    margin-bottom: 14px;
}

.terms-list {
    list-style: disc;
    margin-left: 20px;
    color: var(--text-secondary);
}

.terms-list li {
    margin-bottom: 10px;
}

.terms-sublist {
    list-style: circle;
    margin-top: 10px;
    margin-left: 20px;
}

.terms-sublist li {
    margin-bottom: 8px;
}

.terms-actions {
    margin-top: 20px;
}

.gated-hidden {
    display: none !important;
}

/* Progress Stepper */
.progress-stepper {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 40px;
    flex-wrap: wrap;
    gap: 8px;
}

.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.step-number {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    border: 2px solid var(--border);
    background-color: var(--bg-white);
    color: var(--text-secondary);
    transition: var(--transition);
}

.step.active .step-number {
    background-color: var(--primary);
    border-color: var(--primary);
    color: var(--bg-white);
}

.step.completed .step-number {
    background-color: var(--secondary);
    border-color: var(--secondary);
    color: var(--bg-white);
}

.step-label {
    font-size: 0.75rem;
    color: var(--text-secondary);
    text-align: center;
}

.step.active .step-label,
.step.completed .step-label {
    color: var(--text-primary);
    font-weight: 500;
}

.step-line {
    width: 40px;
    height: 2px;
    background-color: var(--border);
    margin-bottom: 24px;
}

/* Form Steps */
.form-step {
    display: none;
}

.form-step.active {
    display: block;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.form-step h3 {
    margin-bottom: 24px;
    text-align: center;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
    margin-bottom: 24px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    font-weight: 500;
    font-size: 0.9375rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    background-color: var(--bg-white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30, 58, 95, 0.1);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: var(--error);
}

.form-group input.valid,
.form-group select.valid,
.form-group textarea.valid {
    border-color: var(--success);
}

.error-message {
    font-size: 0.8125rem;
    color: var(--error);
    min-height: 20px;
}

.form-group textarea {
    min-height: 100px;
    resize: vertical;
}

/* Form Agreement */
.form-agreement {
    margin-bottom: 24px;
}

.checkbox-container {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    cursor: pointer;
    font-size: 0.9375rem;
}

.checkbox-container input {
    display: none;
}

.checkmark {
    width: 20px;
    height: 20px;
    min-width: 20px;
    border: 2px solid var(--border);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    margin-top: 2px;
}

.checkbox-container input:checked + .checkmark {
    background-color: var(--secondary);
    border-color: var(--secondary);
}

.checkbox-container input:checked + .checkmark::after {
    content: '✓';
    color: var(--bg-white);
    font-size: 12px;
    font-weight: 700;
}

.checkbox-container a {
    color: var(--primary);
    text-decoration: underline;
}

/* Form Actions */
.form-actions {
    display: flex;
    gap: 16px;
    justify-content: flex-end;
}

.form-actions .btn {
    min-width: 120px;
}

.form-actions .btn:disabled {
    opacity: 0.7;
    cursor: not-allowed;
}

.submit-status {
    margin-top: 12px;
    min-height: 20px;
    font-size: 0.875rem;
    color: var(--text-secondary);
}

.submit-status.error {
    color: var(--error);
}

.turnstile-wrapper {
    margin-bottom: 20px;
}

.turnstile-wrapper .cf-turnstile {
    display: inline-flex;
    max-width: 100%;
}

/* Success Message */
.success-message {
    display: none;
    text-align: center;
    padding: 40px;
}

.success-message.active {
    display: block;
    animation: fadeIn 0.3s ease;
}

.success-icon {
    font-size: 4rem;
    margin-bottom: 16px;
}

.success-message h3 {
    margin-bottom: 12px;
    color: var(--success);
}

.success-message p {
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.success-id {
    background-color: var(--bg-light);
    padding: 12px 24px;
    border-radius: var(--radius-sm);
    display: inline-block;
    margin: 16px 0 24px;
}

/* ========================================
   FAQ Section
   ======================================== */
.faq {
    background-color: var(--bg-white);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid var(--border);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 0;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-weight: 600;
    font-size: 1.0625rem;
    color: var(--text-primary);
    transition: var(--transition);
}

.faq-question:hover {
    color: var(--primary);
}

.faq-icon {
    font-size: 1.5rem;
    color: var(--primary);
    transition: var(--transition);
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding-bottom: 20px;
    color: var(--text-secondary);
}

/* ========================================
   CTA Section
   ======================================== */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, #2C5282 100%);
    color: var(--bg-white);
    text-align: center;
}

.cta-content h2 {
    color: var(--bg-white);
    margin-bottom: 16px;
}

.cta-content p {
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

/* ========================================
   Footer
   ======================================== */
.footer {
    background-color: var(--primary);
    color: var(--bg-white);
    padding: 60px 0 24px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-about .logo {
    color: var(--bg-white);
    margin-bottom: 16px;
}

.footer-about p {
    opacity: 0.8;
    margin-bottom: 20px;
    font-size: 0.9375rem;
}

.footer-social {
    display: flex;
    gap: 12px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    transition: var(--transition);
}

.footer-social a:hover {
    background-color: var(--accent);
    transform: translateY(-4px);
}

.footer-links h4 {
    color: var(--bg-white);
    margin-bottom: 20px;
    font-size: 1.125rem;
}

.footer-links ul li {
    margin-bottom: 12px;
}

.footer-links a {
    opacity: 0.8;
    font-size: 0.9375rem;
}

.footer-links a:hover {
    opacity: 1;
    color: var(--accent);
}

.footer-contact h4 {
    color: var(--bg-white);
    margin-bottom: 20px;
    font-size: 1.125rem;
}

.footer-contact ul li {
    margin-bottom: 12px;
    opacity: 0.8;
    font-size: 0.9375rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 24px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
    text-align: center;
}

.footer-bottom p {
    opacity: 0.7;
    font-size: 0.875rem;
}

.footer-legal {
    display: flex;
    gap: 24px;
}

.footer-legal a {
    opacity: 0.7;
    font-size: 0.875rem;
}

.footer-legal a:hover {
    opacity: 1;
}

/* ========================================
   Responsive - Tablet
   ======================================== */
@media (min-width: 768px) {
    h1 { font-size: 3rem; }
    h2 { font-size: 2.25rem; }
    
    .hero-content {
        grid-template-columns: 1fr 1fr;
    }

    .hero-simulasi {
        justify-content: flex-end;
    }
    
    .hero-text h1 {
        font-size: 2.75rem;
    }
    
    .form-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .simulasi-result {
        grid-template-columns: 1fr 1fr;
    }
    
    .footer-bottom {
        flex-direction: row;
        justify-content: space-between;
    }
}

/* ========================================
   Responsive - Mobile
   ======================================== */
@media (max-width: 767px) {
    :root {
        --section-padding: var(--section-padding-mobile);
    }
    
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    h3 { font-size: 1.25rem; }
    
    .mobile-toggle {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 70px;
        left: 0;
        right: 0;
        background-color: var(--bg-white);
        flex-direction: column;
        padding: 24px;
        gap: 0;
        box-shadow: var(--shadow);
        transform: translateY(-150%);
        opacity: 0;
        transition: var(--transition);
    }
    
    .nav-menu.active {
        transform: translateY(0);
        opacity: 1;
    }
    
    .nav-menu li {
        width: 100%;
    }
    
    .nav-link {
        display: block;
        padding: 16px 0;
        border-bottom: 1px solid var(--border);
    }
    
    .nav-auth {
        display: none;
    }
    
    .hero {
        padding-top: 100px;
    }
    
    .hero-text h1 {
        font-size: 1.75rem;
    }
    
    .hero-text p {
        font-size: 1rem;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .hero-cta .btn {
        width: 100%;
    }
    
    .hero-stats {
        gap: 24px;
    }
    
    .stat-number {
        font-size: 1.5rem;
    }
    
    .keunggulan-grid,
    .produk-grid {
        grid-template-columns: 1fr;
    }

    .result-item {
        flex-direction: column;
        align-items: flex-start;
    }
    
    .form-container {
        padding: 24px 16px;
    }
    
    .progress-stepper {
        gap: 4px;
    }
    
    .step-label {
        display: none;
    }
    
    .step-line {
        width: 24px;
    }
    
    .form-actions {
        flex-direction: column;
    }
    
    .form-actions .btn {
        width: 100%;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .footer-social {
        justify-content: center;
    }
    
    .footer-legal {
        flex-direction: column;
        gap: 12px;
    }
}

/* ========================================
   Utility Classes
   ======================================== */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Focus Visible */
:focus-visible {
    outline: 2px solid var(--primary);
    outline-offset: 2px;
}

/* Print Styles */
@media print {
    .header,
    .hero,
    .cta-section,
    .footer {
        display: none;
    }
    
    .form-container {
        box-shadow: none;
    }
}