:root{
  --navy-900:#071a3b;
  --navy-800:#0b2a5b;
  --navy-700:#123a78;
  --blue-100:#e8f0fb;
  --blue-50:#f3f7fd;
  --green-600:#12a066;
  --green-500:#22c07a;
  --green-100:#e3f7ee;
  --amber-100:#fff4dc;
  --amber-700:#8a5a00;
  --ink:#10213f;
  --muted:#51627f;
  --line:#dbe4f2;
  --bg:#ffffff;
  --radius:16px;
  --shadow:0 10px 30px rgba(11,42,91,.08);
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-700)}
h1,h2,h3{line-height:1.2;color:var(--navy-800);margin:0}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 14px;z-index:100}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--green-500);outline-offset:2px;border-radius:4px}

/* NAV */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-800);font-weight:700}
.menu{display:flex;gap:4px}
.menu a{text-decoration:none;color:var(--muted);font-weight:500;font-size:15px;padding:8px 12px;border-radius:8px}
.menu a:hover{background:var(--blue-100);color:var(--navy-800)}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px;align-items:center}
.burger span{display:block;width:22px;height:2px;background:var(--navy-800);border-radius:2px}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy-900),var(--navy-700));color:#fff;overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding-top:72px;padding-bottom:80px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green-600);margin-bottom:12px}
.hero .eyebrow{color:var(--green-500)}
.hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.2rem);letter-spacing:-.02em}
.lead{margin-top:18px;font-size:1.15rem;color:#cfdcf2;max-width:34em}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.btn{display:inline-block;padding:14px 24px;border-radius:12px;font-weight:600;text-decoration:none;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--green-500);color:#05261a}
.btn-primary:hover{background:#34d38c}
.btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.audience{list-style:none;padding:0;margin:28px 0 0;display:flex;flex-wrap:wrap;gap:8px}
.audience li{font-size:13.5px;padding:5px 12px;border-radius:99px;background:rgba(255,255,255,.1);color:#dfe9f8;border:1px solid rgba(255,255,255,.15)}
.hero-photo{margin:0;position:relative}
.hero-photo img{border-radius:20px;aspect-ratio:3/2;object-fit:cover;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.hero-photo figcaption{font-size:12px;color:#9fb3d6;margin-top:8px;text-align:right}
.float-card{position:absolute;left:-18px;bottom:44px;background:#fff;color:var(--ink);border-radius:14px;padding:12px 16px;display:flex;gap:12px;align-items:center;box-shadow:var(--shadow)}
.float-card small{display:block;color:var(--muted);font-size:12.5px}
.float-card .dot{width:12px;height:12px;border-radius:50%;background:var(--green-500);box-shadow:0 0 0 5px var(--green-100)}

/* SECTIONS */
.sec{padding:84px 0}
.sec-alt{background:var(--blue-50)}
.sec-head{max-width:760px;margin-bottom:40px}
.sec h2{font-size:clamp(1.6rem,3.2vw,2.3rem);letter-spacing:-.015em}
.sub{margin-top:12px;color:var(--muted)}
.h3{font-size:1.35rem;margin:56px 0 20px}

/* SUMMARY */
.summary-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:start}
.summary-cards{display:grid;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 24px 24px 84px;position:relative;box-shadow:var(--shadow)}
.card h3{font-size:1.15rem;margin-bottom:6px}
.card p{color:var(--muted)}
.card .ico{position:absolute;left:22px;top:24px}
.card-accent{background:var(--navy-800);border-color:var(--navy-800)}
.card-accent h3{color:#fff}
.card-accent p{color:#cfdcf2}
.ico{width:44px;height:44px;border-radius:12px;background:var(--green-100);display:grid;place-items:center;flex:none}
.card-accent .ico{background:var(--green-500)}
.ico svg,.ri svg,.node svg{fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.ico svg{width:24px;height:24px;color:var(--green-600)}
.card-accent .ico svg{color:#05261a}
.side-photo{margin:0}
.side-photo img{border-radius:var(--radius);width:100%;aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow)}
.side-photo.tall img{aspect-ratio:4/3.4}
.side-photo figcaption{font-size:12px;color:var(--muted);margin-top:8px}

/* TABLE */
.legend{display:flex;gap:20px;margin-bottom:12px;font-size:14px;color:var(--muted)}
.sw{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.sw.qris{background:var(--navy-700)}.sw.dep{background:var(--green-500)}
.table-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.cmp{width:100%;border-collapse:collapse}
.cmp th,.cmp td{padding:18px 20px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);font-size:15.5px}
.cmp thead th{background:var(--navy-800);color:#fff;font-size:14.5px;border-bottom:0}
.cmp thead th:first-child{width:20%}
.th-tag{display:inline-block;font-size:11px;padding:2px 8px;border-radius:99px;margin-right:6px;font-weight:700}
.th-tag.qris{background:#fff;color:var(--navy-800)}
.th-tag.dep{background:var(--green-500);color:#05261a}
.cmp tbody th{font-weight:600;color:var(--navy-800);background:var(--blue-50);white-space:nowrap}
.cmp tbody th .ri{display:inline-grid;vertical-align:middle;margin-right:10px;width:30px;height:30px;border-radius:8px;background:#fff;border:1px solid var(--line);place-items:center}
.cmp tbody th .ri svg{width:17px;height:17px;color:var(--navy-700)}
.cmp tbody tr:nth-child(even) td{background:#fbfcfe}
.cmp tbody tr:last-child>*{border-bottom:0}
.cmp tbody tr:hover td{background:var(--blue-50)}
.note{margin-top:22px;border-radius:12px;background:var(--blue-100);border:1px solid #c8d9f2;padding:16px 20px;display:flex;gap:14px;align-items:flex-start;color:var(--navy-800)}
.note svg{width:24px;height:24px;flex:none;fill:none;stroke:var(--navy-700);stroke-width:1.8;stroke-linecap:round;margin-top:2px}
.note-warn{background:var(--amber-100);border-color:#f0d9a0;color:#5b3d00;display:block}

/* SIMULASI */
.sim{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start}
.sim-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);display:grid;gap:18px}
.sim-form>label{display:grid;gap:6px;font-weight:600;color:var(--navy-800);font-size:15px}
.sim-form input[type=number]{font:inherit;font-weight:500;color:var(--ink);padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;width:100%;background:#fff}
.sim-form input[type=number]:focus{border-color:var(--green-500);outline:none;box-shadow:0 0 0 3px var(--green-100)}
.seg{border:0;padding:0;margin:0;display:grid;gap:8px}
.seg legend{font-weight:600;color:var(--navy-800);font-size:15px;padding:0;margin-bottom:6px}
.seg label{display:flex;gap:10px;align-items:center;border:1.5px solid var(--line);border-radius:10px;padding:10px 14px;cursor:pointer;font-size:15px}
.seg label:has(input:checked){border-color:var(--green-500);background:var(--green-100)}
.seg input{accent-color:var(--green-600)}
.sim-out{background:var(--navy-800);color:#fff;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.sim-title{font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green-500);margin-bottom:12px}
.sim-title:not(:first-child){margin-top:24px}
.split-bar{display:flex;height:16px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.12)}
.split-bar i{display:block;height:100%;transition:width .25s}
.sb-us{background:var(--green-500)}.sb-pjp{background:#5f86c9}
.split-legend{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:8px;font-size:15px}
.split-legend li{display:flex;flex-wrap:wrap;gap:4px 8px;align-items:baseline}
.split-legend b{font-size:1.15rem}
.split-legend small{color:#a9bddf;font-size:13px}
.sim-out .sw.qris{background:#5f86c9}
.sim-rows{margin:16px 0 0;display:grid;gap:0}
.sim-rows>div{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-top:1px solid rgba(255,255,255,.14)}
.sim-rows dt{color:#cfdcf2;font-size:15px}
.sim-rows dd{margin:0;font-weight:700;text-align:right}
.sim-rows .hl dd{color:var(--green-500)}
.sim-warn{margin-top:16px;font-size:14px;color:#ffd98a;background:rgba(255,200,80,.12);border-radius:10px;padding:10px 12px}
.tier-wrap{margin-top:36px}
.h3-sm{margin:0 0 16px;font-size:1.2rem}
.cmp.tier thead th:first-child{width:auto}
.cmp.tier tbody th{white-space:normal}

/* COMPLIANCE */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.check-list{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:16px}
.check-list li{display:flex;gap:14px}
.check-list .ck{flex:none;width:24px;height:24px;border-radius:50%;background:var(--green-500);margin-top:2px;position:relative}
.check-list .ck::after{content:"";position:absolute;left:8px;top:4.5px;width:6px;height:11px;border:solid #05261a;border-width:0 2.4px 2.4px 0;transform:rotate(45deg)}

/* RISK */
.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.risk{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:transform .2s,border-color .2s}
.risk:hover{transform:translateY(-3px);border-color:var(--green-500)}
.risk .ico{margin-bottom:16px}
.risk h3{font-size:1.15rem;margin-bottom:8px}
.risk p{color:var(--muted);font-size:15.5px}

/* DIAGRAM */
.diagram{background:linear-gradient(180deg,var(--navy-900),var(--navy-800));border-radius:20px;padding:36px 24px;overflow-x:auto}
.flow{list-style:none;margin:0;padding:0;display:flex;align-items:stretch;justify-content:space-between;gap:4px;min-width:960px}
.node{flex:1 1 0;min-width:0;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.2);border-radius:14px;padding:16px 10px;text-align:center;color:#fff;position:relative}
.node .n{position:absolute;top:-10px;left:-10px;width:24px;height:24px;border-radius:50%;background:var(--green-500);color:#05261a;font-size:12px;font-weight:700;display:grid;place-items:center}
.node svg{width:30px;height:30px;color:var(--green-500);margin:0 auto 8px}
.node b{display:block;font-size:14px;line-height:1.3}
.node small{display:block;color:#a9bddf;font-size:12px;margin-top:4px}
.node-key{background:rgba(34,192,122,.15);border-color:var(--green-500)}
.node-end{background:#fff;color:var(--navy-800)}
.node-end small{color:var(--muted)}
.node-end svg{color:var(--green-600)}
.arrow{display:grid;place-items:center;flex:none}
.arrow svg{width:22px;height:22px;fill:none;stroke:#7f9ac7;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.tech-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tech{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;gap:14px}
.tn{font-weight:800;color:var(--green-600);font-size:1.2rem;flex:none}
.tech p{color:var(--ink);font-size:15.5px}

/* IMPLEMENTATION */
.impl{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:start}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:0;position:relative}
.step{display:flex;gap:18px;padding-bottom:28px;position:relative}
.step:not(:last-child)::before{content:"";position:absolute;left:21px;top:46px;bottom:2px;width:2px;background:var(--line)}
.step-n{flex:none;width:44px;height:44px;border-radius:50%;background:var(--navy-800);color:#fff;font-weight:700;display:grid;place-items:center;font-size:1.1rem}
.step:first-child .step-n{background:var(--green-500);color:#05261a}
.step h3{font-size:1.2rem;margin:6px 0 6px}
.step p{color:var(--muted)}

/* FOOTER */
.foot{background:var(--navy-900);color:#b9c9e6;padding:56px 0 32px;font-size:15px}
.foot a{color:#9fd8bd}
.foot-top{display:grid;grid-template-columns:1.2fr 1fr;gap:48px}
.foot-brand{color:#fff;font-weight:700;font-size:1.1rem;margin-bottom:10px}
.disc{max-width:34em}
.disc strong{color:#fff}
.foot-h{color:#fff;font-weight:600;margin-bottom:10px}
.refs{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.credits{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);display:grid;gap:6px;font-size:14px}
.credits strong{color:#fff}

/* RESPONSIVE */
@media (max-width:980px){
  .hero-in,.summary-grid,.split,.impl,.foot-top,.sim{grid-template-columns:1fr}
  .hero-in{padding-top:48px;padding-bottom:56px;gap:36px}
  .float-card{left:12px;bottom:36px}
  .risk-grid,.tech-grid{grid-template-columns:repeat(2,1fr)}
  .sec{padding:64px 0}
  .split{gap:32px}
  .side-photo{max-width:560px}
}
@media (max-width:720px){
  body{font-size:16px}
  .burger{display:flex}
  .menu{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:8px 12px 14px}
  .menu.open{display:flex}
  .menu a{padding:12px}
  .brand span{font-size:15px}
  .risk-grid,.tech-grid{grid-template-columns:1fr}
  .card{padding:20px 20px 20px 20px}
  .card .ico{position:static;margin-bottom:12px}
  .btn{width:100%;text-align:center}
  .cta{flex-direction:column}
  .legend{display:none}

  /* table jadi kartu */
  .table-wrap{background:none;border:0;box-shadow:none;overflow:visible}
  .cmp,.cmp tbody,.cmp tr,.cmp th,.cmp td{display:block;width:100%}
  .cmp thead{position:absolute;left:-9999px}
  .cmp tbody tr{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:14px;overflow:hidden;box-shadow:var(--shadow)}
  .cmp tbody th{white-space:normal;border-bottom:1px solid var(--line);padding:14px 16px}
  .cmp td{padding:14px 16px 14px 16px;border-bottom:1px solid var(--line);font-size:15px}
  .cmp td::before{content:attr(data-label);display:block;font-size:11.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;margin-bottom:4px}
  .cmp td:nth-of-type(1)::before{color:var(--navy-700)}
  .cmp td:nth-of-type(2)::before{color:var(--green-600)}
  .cmp tbody tr:nth-child(even) td,.cmp tbody tr:hover td{background:#fff}
  .cmp tbody tr:last-child>*{border-bottom:1px solid var(--line)}
  .cmp tbody tr>*:last-child{border-bottom:0!important}
  .diagram{padding:28px 16px}
  .flow{flex-direction:column;align-items:stretch;min-width:0;gap:4px}
  .node{flex:none;width:100%;display:grid;grid-template-columns:30px 1fr;column-gap:14px;text-align:left;align-items:center;padding:14px 16px}
  .node svg{grid-row:1/3;margin:0}
  .node small{margin-top:0}
  .node .n{left:-8px;top:-8px}
  .arrow svg{transform:rotate(90deg)}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}