:root{
  --tema:#0B3D91;
  --tema-template:{主题色};
  --merah-cetak:#C9232C;
  --gading:#F5F0E5;
  --hitam-tinta:#121212;
  --putih:#FFFFFF;
  --abu:#697386;
  --garis:#D9DDE5;
  --lebar:1200px;
  --radius:18px;
  --bayang:0 18px 50px rgba(10,25,55,.12)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:#172033;font-family:Inter,Arial,Helvetica,sans-serif;line-height:1.6}
body.drawer-lock{overflow:hidden}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
button{cursor:pointer}
.container{width:min(var(--lebar),calc(100% - 40px));margin-inline:auto}
.topbar{background:#081B39;color:#DCE8FA;font-size:13px}
.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.topbar-contact{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.topbar a:hover{color:#fff}
.header{position:relative;z-index:60;background:#fff;border-bottom:1px solid #E5E9F0}
.header-inner{min-height:82px;display:flex;align-items:center;gap:28px}
.logo{display:flex;align-items:center;gap:11px;min-width:max-content;font-weight:900;color:#0B2C62;letter-spacing:-.02em}
.logo img{width:42px;height:42px;object-fit:contain}
.main-nav{margin-left:auto;align-self:stretch}
.nav-list{height:100%;display:flex;align-items:stretch;gap:2px;margin:0;padding:0;list-style:none}
.nav-item{position:relative;display:flex;align-items:stretch}
.nav-link{display:flex;align-items:center;padding:0 13px;border-bottom:3px solid transparent;font-size:14px;font-weight:750;color:#25334A;white-space:nowrap}
.nav-item:hover>.nav-link,.nav-item:focus-within>.nav-link,.nav-link:hover{color:var(--tema);border-bottom-color:var(--tema)}
.dropdown-panel,.mega-menu{position:absolute;top:100%;left:50%;visibility:hidden;opacity:0;pointer-events:none;transform:translate(-50%,10px);transition:.2s ease;background:#fff;border:1px solid #E2E8F0;border-radius:0 0 18px 18px;box-shadow:0 24px 50px rgba(8,27,57,.18)}
.nav-item:hover>.dropdown-panel,.nav-item:focus-within>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{visibility:visible;opacity:1;pointer-events:auto;transform:translate(-50%,0)}
.dropdown-panel{width:340px;padding:18px}
.dropdown-title,.mega-title{margin:0 0 12px;color:#0A2E68;font-size:13px;text-transform:uppercase;letter-spacing:.1em}
.dropdown-list{display:grid;gap:5px}
.dropdown-list a{padding:10px 11px;border-radius:9px;color:#334155;font-size:14px}
.dropdown-list a:hover{background:#EEF4FF;color:var(--tema)}
.panel-more{display:inline-flex;margin-top:11px;color:var(--tema);font-size:13px;font-weight:800}
.mega-menu{position:fixed;top:120px;left:50%;width:min(1120px,calc(100% - 40px));max-height:calc(100vh - 140px);overflow:auto;padding:24px}
.mega-grid{display:grid;grid-template-columns:220px 1fr;gap:24px}
.mega-intro{padding:19px;background:#EFF5FF;border-radius:14px}
.mega-intro p{margin:8px 0 16px;color:#526176;font-size:13px}
.mega-intro a{display:inline-flex;padding:9px 13px;border-radius:9px;background:var(--tema);color:#fff;font-size:13px;font-weight:800}
.mega-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.mega-card{min-width:0;padding:14px;border:1px solid #E2E8F0;border-radius:13px;background:#fff;transition:.2s}
.mega-card:hover{border-color:#A9BFE6;transform:translateY(-2px);box-shadow:0 10px 24px rgba(11,61,145,.1)}
.mega-card img{width:44px;height:44px;margin-bottom:10px;border-radius:9px;object-fit:cover;background:#EDF2F7}
.mega-card strong{display:block;color:#172B4D;font-size:14px;line-height:1.35}
.mega-card p{margin:6px 0 0;color:#68758A;font-size:12px;line-height:1.5}
.mega-meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:8px;color:#0B3D91;font-size:11px;font-weight:750}
.category-links{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:15px}
.category-links a{padding:7px 11px;border-radius:999px;background:#EEF4FF;color:#214B8F;font-size:12px;font-weight:750}
.video-thumb,.product-thumb{width:100%!important;height:94px!important;border-radius:10px!important;object-fit:cover!important}
.tool-icon{width:38px!important;height:38px!important;object-fit:contain!important}
.header-btns{display:flex;align-items:center;gap:9px;min-width:max-content}
.header-btns>a{display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:0 14px;border-radius:10px;font-size:13px;font-weight:800}
.header-btns>a:first-child{border:1px solid #C8D3E3;color:#173867}
.header-btns .open-account{background:var(--tema);color:#fff}
.hamburger{display:none;width:43px;height:43px;padding:10px;border:0;border-radius:10px;background:#EDF3FC}
.hamburger span{display:block;height:2px;margin:5px 0;background:#0B2E67;transition:.2s}
.hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.drawer-overlay{position:fixed;inset:0;z-index:90;visibility:hidden;opacity:0;background:rgba(4,13,29,.62);transition:.25s}
.drawer-overlay.open{visibility:visible;opacity:1}
.mobile-drawer{position:fixed;top:0;right:0;bottom:0;z-index:100;width:min(420px,92vw);overflow-y:auto;background:#fff;transform:translateX(105%);transition:.3s ease;box-shadow:-20px 0 60px rgba(0,0,0,.2)}
.mobile-drawer.open{transform:translateX(0)}
.drawer-head{position:sticky;top:0;z-index:2;display:flex;align-items:center;gap:9px;padding:16px;background:#fff;border-bottom:1px solid #E2E8F0}
.drawer-head>a{padding:9px 11px;border-radius:8px;background:#EEF4FF;color:#0B3D91;font-size:13px;font-weight:800}
.drawer-close{margin-left:auto;width:38px;height:38px;border:0;border-radius:50%;background:#102D5B;color:#fff;font-size:24px;line-height:1}
.drawer-menu{padding:14px 18px 30px}
.drawer-link,.drawer-toggle{display:flex;width:100%;align-items:center;justify-content:space-between;padding:14px 4px;border:0;border-bottom:1px solid #E5EAF1;background:transparent;color:#1F304A;text-align:left;font-weight:800}
.drawer-toggle::after{content:"+";font-size:20px;color:#0B3D91}
.drawer-toggle.active::after{content:"−"}
.drawer-submenu{display:none;padding:8px 0 10px 14px}
.drawer-submenu.open{display:grid}
.drawer-submenu a{padding:9px 10px;border-left:2px solid #D4E1F7;color:#526176;font-size:14px}
.drawer-submenu a:hover{border-left-color:var(--tema);color:var(--tema)}
.hero{position:relative;overflow:hidden}
.hero-layout-05{min-height:720px;padding:54px 0 50px;background:var(--gading);color:var(--hitam-tinta);border-bottom:12px solid var(--merah-cetak)}
.hero-layout-05::before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(18,18,18,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(18,18,18,.055) 1px,transparent 1px);background-size:54px 54px;mask-image:linear-gradient(to bottom,#000,transparent 88%)}
.hero-layout-05 .hero-cover{position:relative;z-index:2}
.cover-masthead{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-bottom:18px;border-bottom:2px solid var(--hitam-tinta);font-size:12px;font-weight:900;letter-spacing:.16em;text-transform:uppercase}
.cover-brand{display:inline-flex;align-items:center;gap:9px;color:var(--merah-cetak)}
.cover-brand::before{content:"";width:34px;height:9px;background:var(--merah-cetak)}
.cover-issue{color:#3A3A3A}
.cover-title{position:relative;margin:26px 0 22px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(74px,13vw,180px);font-weight:900;line-height:.76;letter-spacing:-.075em;text-transform:uppercase}
.cover-title span{display:block}
.cover-title .title-accent{color:var(--merah-cetak);text-align:right;padding-right:2vw}
.cover-title sup{position:absolute;top:5px;right:1%;font-family:Inter,Arial,sans-serif;font-size:13px;letter-spacing:.08em;color:#171717}
.cover-understory{display:grid;grid-template-columns:auto minmax(260px,540px) auto;align-items:end;gap:28px;padding-top:24px;border-top:2px solid var(--hitam-tinta)}
.cover-actions{display:flex;gap:10px;flex-wrap:wrap}
.cover-actions a{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 20px;border:2px solid var(--hitam-tinta);font-weight:900;text-transform:uppercase;letter-spacing:.05em}
.cover-actions .primary{background:var(--merah-cetak);border-color:var(--merah-cetak);color:#fff}
.cover-summary{margin:0;font-family:Georgia,"Times New Roman",serif;font-size:20px;line-height:1.45}
.cover-index{text-align:right}
.cover-index strong{display:block;font-family:Georgia,serif;font-size:54px;line-height:.9;color:var(--merah-cetak)}
.cover-index span{font-size:11px;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.cover-shape{position:absolute;z-index:1;pointer-events:none}
.shape-circle{top:145px;left:-70px;width:180px;height:180px;border:25px solid var(--merah-cetak);border-radius:50%;opacity:.92}
.shape-block{right:-45px;bottom:84px;width:180px;height:100px;background:var(--hitam-tinta);transform:rotate(-9deg)}
.shape-line{top:50%;left:46%;width:250px;height:5px;background:var(--merah-cetak);transform:rotate(-27deg)}
.cover-keyword{position:absolute;z-index:1;color:rgba(18,18,18,.2);font-size:12px;font-weight:950;letter-spacing:.28em;text-transform:uppercase}
.keyword-one{top:170px;right:3%;transform:rotate(90deg)}
.keyword-two{bottom:125px;left:2%;transform:rotate(-90deg)}
.hero-ticker{position:absolute;right:3%;bottom:18px;z-index:3;display:flex;gap:17px;color:#fff;font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.section{padding:88px 0}
.section-soft{background:#F3F6FA}
.section-dark{background:#071A37;color:#fff}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:32px}
.eyebrow{display:block;margin-bottom:8px;color:#C9232C;font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}
.section-title{margin:0;color:#102341;font-size:clamp(30px,4vw,48px);line-height:1.1;letter-spacing:-.035em}
.section-dark .section-title{color:#fff}
.section-copy{max-width:620px;margin:10px 0 0;color:#66748A}
.section-dark .section-copy{color:#B5C4DA}
.text-link{color:var(--tema);font-weight:850;white-space:nowrap}
.section-dark .text-link{color:#BDD5FF}
.trust-strip{background:#111;color:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:25px;border-right:1px solid #373737}
.trust-item:last-child{border-right:0}
.trust-item strong{display:block;color:#F15A60;font-family:Georgia,serif;font-size:34px}
.trust-item span{font-size:13px;color:#CFD4DC}
.broker-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.broker-card{display:flex;flex-direction:column;padding:22px;border:1px solid #DDE4EE;border-radius:var(--radius);background:#fff;box-shadow:0 8px 25px rgba(15,35,70,.05)}
.broker-top{display:flex;align-items:center;gap:14px}
.broker-top img{width:58px;height:58px;border-radius:13px;object-fit:contain;background:#F2F5F9}
.broker-top h3{margin:0;font-size:18px}
.rating{color:#B7232C;font-size:13px;font-weight:850}
.broker-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:18px 0}
.broker-metrics span{padding:10px 7px;border-radius:9px;background:#F2F5F9;color:#526176;text-align:center;font-size:11px}
.broker-metrics strong{display:block;color:#173867;font-size:13px}
.card-button{display:inline-flex;justify-content:center;margin-top:auto;padding:11px 14px;border-radius:9px;background:#0B3D91;color:#fff;font-size:13px;font-weight:850}
.news-layout{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.news-card{display:grid;grid-template-columns:180px 1fr;overflow:hidden;border:1px solid #E0E6EF;border-radius:16px;background:#fff}
.news-card img{width:100%;height:100%;min-height:180px;object-fit:cover}
.news-body{padding:20px;min-width:0}
.news-body small{color:#C9232C;font-weight:800}
.news-body h3{margin:7px 0;font-size:19px;line-height:1.3}
.news-body p{margin:0;color:#68758A;font-size:13px}
.news-meta{display:flex;justify-content:space-between;gap:10px;margin-top:13px;color:#8490A1;font-size:11px}
.tools-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.tool-card{padding:22px;border:1px solid rgba(255,255,255,.14);border-radius:16px;background:rgba(255,255,255,.06)}
.tool-card img{width:46px;height:46px;margin-bottom:16px;object-fit:contain}
.tool-card h3{margin:0 0 7px}
.tool-card p{margin:0 0 18px;color:#B5C4DA;font-size:13px}
.tool-card a{color:#BFD5FF;font-size:13px;font-weight:850}
.product-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.product-card{overflow:hidden;border:1px solid #DFE5EE;border-radius:17px;background:#fff}
.product-card img{width:100%;height:190px;object-fit:cover;background:#EFF3F8}
.product-body{padding:19px}
.product-body h3{margin:0 0 8px;font-size:19px}
.product-body p{margin:0;color:#68758A;font-size:13px}
.product-meta{display:flex;justify-content:space-between;gap:10px;margin-top:14px;color:#7A8799;font-size:11px}
.product-body .text-link{display:inline-flex;margin-top:15px}
.video-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.video-card{overflow:hidden;border-radius:17px;background:#10284E;color:#fff}
.video-cover{position:relative}
.video-cover img{width:100%;height:190px;object-fit:cover}
.video-duration{position:absolute;right:10px;bottom:10px;padding:4px 8px;border-radius:6px;background:rgba(0,0,0,.78);font-size:11px}
.video-play{position:absolute;left:16px;bottom:14px;display:grid;width:42px;height:42px;place-items:center;border-radius:50%;background:#C9232C;font-size:14px}
.video-body{padding:18px}
.video-body h3{margin:0 0 8px;font-size:18px}
.video-body p{margin:0;color:#B8C6D9;font-size:13px}
.faq-wrap{display:grid;grid-template-columns:340px 1fr;gap:55px}
.faq-intro{padding:28px;border-radius:18px;background:#C9232C;color:#fff}
.faq-intro h2{margin:0 0 12px;font-family:Georgia,serif;font-size:38px;line-height:1.05}
.faq-intro p{margin:0 0 20px;color:#FFE3E3}
.faq-intro a{display:inline-flex;padding:11px 15px;background:#111;color:#fff;font-weight:850}
.faq-list{border-top:1px solid #DCE2EA}
.faq-item{border-bottom:1px solid #DCE2EA}
.faq-question{display:flex;width:100%;justify-content:space-between;gap:20px;padding:20px 0;border:0;background:transparent;color:#14243D;text-align:left;font-weight:850}
.faq-question::after{content:"+";color:#C9232C;font-size:22px}
.faq-question.active::after{content:"−"}
.faq-answer{display:none;padding:0 0 21px;color:#647287}
.faq-answer.open{display:block}
.cta-band{padding:62px 0;background:#0B3D91;color:#fff}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}
.cta-inner h2{max-width:700px;margin:0;font-size:clamp(30px,4vw,48px);line-height:1.1}
.cta-inner a{display:inline-flex;min-width:170px;justify-content:center;padding:14px 20px;background:#fff;color:#0B3D91;font-weight:900}
.footer{background:#06142C;color:#C3CEE0}
.footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:40px;padding:68px 0 44px}
.footer-brand .logo{color:#fff}
.footer-brand p{max-width:380px;margin:17px 0;color:#91A1B8;font-size:14px}
.footer h3{margin:0 0 17px;color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em}
.footer-links{display:grid;gap:9px}
.footer-links a{font-size:14px;color:#AAB8CB}
.footer-links a:hover{color:#fff}
.footer-contact{display:grid;gap:10px;font-size:14px}
.social-links{margin-top:8px}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:20px 0;border-top:1px solid rgba(255,255,255,.12);font-size:12px;color:#8292AA}
.footer-bottom-links{display:flex;gap:16px;flex-wrap:wrap}
@media (max-width:1050px){
  .main-nav{display:none}
  .header-inner{min-height:72px}
  .header-btns{margin-left:auto}
  .hamburger{display:block}
  .cover-understory{grid-template-columns:1fr 1fr}
  .cover-summary{grid-column:1/-1;grid-row:1}
  .broker-grid,.tools-grid,.product-grid,.video-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .news-layout{grid-template-columns:1fr}
  .footer-main{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:700px){
  .container{width:min(100% - 28px,var(--lebar))}
  .topbar-inner{justify-content:center;text-align:center}
  .topbar-contact{display:none}
  .header-btns>a{display:none}
  .logo span{max-width:170px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
  .hero-layout-05{min-height:650px;padding-top:34px}
  .cover-masthead{font-size:9px}
  .cover-title{margin-top:42px;font-size:clamp(60px,23vw,104px);line-height:.8}
  .cover-title .title-accent{text-align:left;padding-left:10vw}
  .cover-title sup{top:-25px}
  .cover-understory{display:flex;align-items:stretch;flex-direction:column;gap:18px}
  .cover-actions a{flex:1;padding:0 12px;font-size:12px}
  .cover-summary{font-size:17px}
  .cover-index{text-align:left}
  .shape-circle{width:120px;height:120px;border-width:17px}
  .shape-block{width:110px;height:70px}
  .hero-ticker{display:none}
  .section{padding:62px 0}
  .section-head{align-items:flex-start;flex-direction:column}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .trust-item:nth-child(2){border-right:0}
  .broker-grid,.tools-grid,.product-grid,.video-grid{grid-template-columns:1fr}
  .news-card{grid-template-columns:1fr}
  .news-card img{height:200px}
  .faq-wrap{grid-template-columns:1fr;gap:28px}
  .cta-inner{align-items:flex-start;flex-direction:column}
  .footer-main{grid-template-columns:1fr;padding-top:50px}
  .footer-bottom{align-items:flex-start;flex-direction:column}
}