/* ============================================================
   © Ahmad Fariz — AXI Adira Finance. Hak cipta dilindungi.
   Dilarang menyalin, mereproduksi, atau mendistribusikan ulang
   kode maupun data pada situs ini tanpa izin tertulis.

   Stylesheet bersama untuk index.html & form.html
   ============================================================ */
:root{
  --yellow:#FDDF05;         /* kuning brand Adira (dari logo resmi) */
  --yellow-deep:#E8C700;
  --ink:#1A1A1A;            /* hitam brand Adira */
  --ink-soft:#38372f;
  --wa:#25d366;             /* WhatsApp green — dipakai khusus utk ikon WA agar mudah dikenali */
  --wa-dark:#1da851;
  --muted:#68675f;
  --bg:#ffffff;
  --panel:#fffbe6;          /* kuning sangat pucat utk section alternate */
  --card:#ffffff;
  --border:#ece6c8;
  --radius:16px;
  --shadow:0 10px 28px rgba(26,26,26,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:640px;margin:0 auto;padding:0 20px}
section{padding:44px 0}
h1,h2{line-height:1.25;letter-spacing:-.02em}
h2{font-size:1.5rem;margin-bottom:8px;color:var(--ink)}
.eyebrow{display:inline-flex;align-items:center;gap:6px;color:var(--ink);font-weight:800;font-size:.76rem;
  letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;background:var(--yellow);
  padding:4px 10px;border-radius:6px}
.lead{color:var(--muted);font-size:1.02rem}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:var(--wa);color:#fff;font-weight:700;font-size:1.05rem;
  padding:16px 22px;border-radius:999px;text-decoration:none;border:none;cursor:pointer;
  box-shadow:0 8px 20px rgba(37,211,102,.35);transition:transform .15s,background .15s;width:100%;
}
.btn:hover{background:var(--wa-dark);transform:translateY(-1px)}
.btn svg{width:22px;height:22px;fill:#fff;flex:none}
.btn-yellow{background:var(--yellow);color:var(--ink);box-shadow:0 8px 20px rgba(253,223,5,.45)}
.btn-yellow:hover{background:var(--yellow-deep)}
.btn-yellow svg{fill:var(--ink)}
.btn-outline{background:transparent;color:#fff;box-shadow:none;border:1px solid rgba(255,255,255,.4)}
.btn-outline:hover{background:rgba(255,255,255,.1)}

/* ---------- Top bar ---------- */
.topbar{background:var(--ink);padding:12px 0}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between}
.topbar .brand{display:flex;align-items:center;gap:9px}
.topbar .brand img{height:26px;width:auto}
.topbar .brand span{color:#fff;font-weight:700;font-size:.92rem;letter-spacing:-.01em}
.topbar .brand small{display:block;color:var(--yellow);font-size:.62rem;font-weight:700;letter-spacing:.04em}
.topbar .tag{color:#fff;font-size:.7rem;background:rgba(255,255,255,.1);padding:5px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.18)}

/* ---------- Hero ---------- */
header.hero{
  background:radial-gradient(120% 100% at 15% 0%, #2a2a24 0%, var(--ink) 55%);
  color:#fff;padding:30px 0 40px;position:relative;overflow:hidden;
}
header.hero::after{
  content:"";position:absolute;right:-60px;bottom:-60px;width:260px;height:260px;
  background:var(--yellow);opacity:.14;border-radius:50%;filter:blur(10px)
}
.badges{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px;position:relative}
.badge{
  display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.2);color:#fff;font-size:.72rem;font-weight:600;
  padding:6px 12px;border-radius:999px
}
.badge.gold{background:var(--yellow);color:var(--ink);border-color:var(--yellow);font-weight:800}
.hero h1{font-size:2rem;margin:6px 0 14px;position:relative}
.hero h1 mark{background:var(--yellow);color:var(--ink);padding:0 6px;border-radius:4px;box-decoration-break:clone;-webkit-box-decoration-break:clone}
.hero .sub{color:rgba(255,255,255,.85);font-size:1.08rem;margin-bottom:24px;position:relative}
.hero .btn{margin-bottom:12px}
.hero .microtrust{font-size:.8rem;color:rgba(255,255,255,.65);text-align:center;position:relative}
.hero.hero-sm{padding:26px 0 32px}
.hero.hero-sm h1{font-size:1.6rem;margin:6px 0 10px}

/* ---------- Process steps ---------- */
.steps{display:grid;grid-template-columns:1fr;gap:14px;margin-top:22px}
.step{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--border);
  border-radius:var(--radius);padding:16px}
.step .num{flex:none;width:38px;height:38px;border-radius:50%;background:var(--yellow);color:var(--ink);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.95rem}
.step .ic{flex:none;width:44px;height:44px;border-radius:12px;background:var(--panel);
  display:flex;align-items:center;justify-content:center}
.step .ic svg{width:22px;height:22px;stroke:var(--ink)}
.step h3{font-size:.98rem;margin-bottom:2px}
.step p{font-size:.84rem;color:var(--muted)}
.step-row{display:flex;gap:14px;align-items:flex-start;width:100%}
.step-link{display:inline-block;margin-top:6px;font-size:.8rem;font-weight:700;color:var(--ink-soft);
  text-decoration:underline}

/* ---------- Calculator ---------- */
.calc{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:24px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.field label .req{color:#c0392b;margin-left:2px}
.field select,.field input,.field textarea{
  width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:12px;
  font-size:1rem;background:#fffdf5;color:var(--ink);appearance:none;font-family:inherit
}
.field textarea{resize:vertical;min-height:80px}
.field select:focus,.field input:focus,.field textarea:focus{outline:2px solid var(--yellow-deep);border-color:var(--yellow-deep)}
.segment{display:flex;gap:8px}
.segment button{
  flex:1;padding:13px;border:1px solid var(--border);background:#fffdf5;border-radius:12px;
  font-size:.95rem;font-weight:600;cursor:pointer;color:var(--muted)
}
.segment button.active{background:var(--ink);color:#fff;border-color:var(--ink)}
.result{
  margin-top:8px;background:var(--panel);
  border:1px dashed var(--yellow-deep);border-radius:12px;padding:18px;text-align:center;display:none
}
.result.show{display:block}
.result .label{font-size:.82rem;color:var(--ink-soft);font-weight:600}
.result .amount{font-size:1.7rem;font-weight:800;color:var(--ink);margin:4px 0}
.result .note{font-size:.72rem;color:var(--muted)}
.result .btn{margin-top:14px}

/* ---------- Reasons / cards ---------- */
.grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px}
.card .ic-circle{width:42px;height:42px;border-radius:50%;background:var(--yellow);display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.card .ic-circle svg{width:22px;height:22px;stroke:var(--ink)}
.card h3{font-size:1rem;margin-bottom:4px}
.card p{font-size:.86rem;color:var(--muted)}

/* ---------- Benefit list ---------- */
.benefits{margin-top:18px;display:flex;flex-direction:column;gap:12px}
.benefit{display:flex;align-items:center;gap:14px}
.benefit .ic-sq{flex:none;width:42px;height:42px;border-radius:11px;background:var(--ink);display:flex;align-items:center;justify-content:center}
.benefit .ic-sq svg{width:20px;height:20px;stroke:var(--yellow)}
.benefit strong{font-size:.96rem;display:block}
.benefit span.note{font-size:.76rem;color:var(--muted);font-weight:400}

/* ---------- Tabs (Syarat) ---------- */
.tabs{margin-top:20px}
.tab-nav{display:flex;gap:8px;border-bottom:2px solid var(--border);margin-bottom:16px}
.tab-nav button{flex:1;background:none;border:none;padding:12px 6px;font-weight:700;font-size:.88rem;
  color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-2px}
.tab-nav button.active{color:var(--ink);border-bottom-color:var(--yellow)}
.tab-panel{display:none}
.tab-panel.active{display:block}

/* ---------- Checklist ---------- */
.checklist{list-style:none}
.checklist li{display:flex;gap:12px;align-items:flex-start;background:var(--panel);
  border:1px solid var(--border);border-radius:12px;padding:14px 16px;margin-bottom:10px;font-weight:500;font-size:.92rem}
.checklist .tick{color:var(--ink);font-weight:800;flex:none;background:var(--yellow);width:22px;height:22px;
  border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem}

/* ---------- FAQ ---------- */
details{background:var(--card);border:1px solid var(--border);border-radius:12px;margin-bottom:10px;overflow:hidden}
details summary{padding:16px;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-size:1.4rem;color:var(--ink);font-weight:400;transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details .ans{padding:0 16px 16px;color:var(--muted);font-size:.92rem}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.75);margin-bottom:20px}

/* ---------- Footer ---------- */
footer{background:#0f0f0d;color:#c9c8bd;font-size:.82rem;padding:34px 0 100px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:8px}
footer a{color:var(--yellow);text-decoration:none}
.disclaimer{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);
  border-radius:12px;padding:14px 16px;margin:16px 0;font-size:.76rem;line-height:1.55;color:#a6a598}
.foot-legal{font-size:.72rem;color:#7a7a6f;margin-top:14px}

/* ---------- Sticky floating WA ---------- */
.fab{
  position:fixed;right:16px;bottom:16px;z-index:60;background:var(--wa);color:#fff;
  border-radius:999px;padding:14px 20px;display:flex;align-items:center;gap:10px;font-weight:700;
  text-decoration:none;box-shadow:0 10px 26px rgba(37,211,102,.5);animation:pulse 2.4s infinite
}
.fab svg{width:26px;height:26px;fill:#fff}
@keyframes pulse{0%{box-shadow:0 10px 26px rgba(37,211,102,.5)}50%{box-shadow:0 10px 26px rgba(37,211,102,.85)}100%{box-shadow:0 10px 26px rgba(37,211,102,.5)}}

/* ---------- Form (form.html) ---------- */
.form-section{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:22px;margin-bottom:20px}
.form-section h3{font-size:1.05rem;margin-bottom:4px}
.form-section .form-desc{font-size:.82rem;color:var(--muted);margin-bottom:16px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-row .field{min-width:0}
.consent{display:flex;gap:10px;align-items:flex-start;background:var(--panel);border:1px solid var(--border);
  border-radius:12px;padding:14px 16px;margin-bottom:18px;font-size:.84rem;color:var(--ink-soft)}
.consent input{flex:none;margin-top:3px;width:18px;height:18px}
.back-link{display:inline-flex;align-items:center;gap:6px;color:#fff;font-size:.85rem;text-decoration:none;
  opacity:.8;margin-bottom:10px}
.back-link:hover{opacity:1}
.privacy-note{font-size:.78rem;color:var(--muted);background:var(--panel);border:1px solid var(--border);
  border-radius:12px;padding:12px 14px;margin-bottom:20px}

@media(min-width:560px){ .hero h1{font-size:2.4rem} }
@media(max-width:480px){ .form-row{grid-template-columns:1fr} }
@media(max-width:360px){ .grid{grid-template-columns:1fr} .fab span{display:none} }