*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}h1,h2,h3,p,figure,dl,dd{margin:0}h1{font-size:clamp(44px,5.6vw,76px);line-height:1.04;letter-spacing:-4px}h1 span{color:var(--blue)}h2{font-size:clamp(34px,4.3vw,54px)}h3{font-size:21px;line-height:1.25;letter-spacing:-.5px}img{display:block;max-width:100%}button{cursor:pointer}.skip{position:absolute;top:-100px;left:12px;z-index:100;background:var(--ink);color:#fff;padding:12px}.skip:focus{top:12px}.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}.noscript{padding:16px;background:var(--coral);border:2px solid var(--ink)}
.hero{overflow:hidden;background:linear-gradient(180deg,#fff 0%,var(--pale) 100%)}.hero-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:56px;align-items:center;padding:70px 0 54px}.hero-copy .eyebrow{color:var(--blue);margin-bottom:20px}.lead{max-width:620px;margin-top:26px;color:var(--muted);font-size:17px}.hero-actions{display:flex;align-items:center;gap:26px;margin-top:28px}.text-link{font-size:13px;font-weight:700}.hero-visual{position:relative;border:2px solid var(--ink);box-shadow:8px 8px 0 var(--ink);background:#fff}.hero-visual img{width:100%;aspect-ratio:2/1;object-fit:cover}.hero-visual figcaption{position:absolute;right:8px;bottom:8px;padding:5px 8px;background:rgba(255,255,255,.92);border:1px solid var(--ink);font:10px/1.4 var(--font-mono)}
.section,.calculator-section{padding:86px 0}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:60px;margin-bottom:36px}.section-heading>p{max-width:410px;color:var(--muted);font-size:14px}.section-heading .eyebrow{color:var(--blue);margin-bottom:14px}.calculator-section{background:var(--blue);color:#fff}.calculator-section .section-heading>p{color:#dbe1ff}.calculator-section .section-heading .eyebrow{color:var(--yellow)}
.tool-shell{display:grid;grid-template-columns:1.14fr .86fr;border:2px solid var(--ink);box-shadow:8px 8px 0 var(--ink);background:#fff;color:var(--ink)}.tool-form{padding:34px}.form-top{display:flex;align-items:start;justify-content:space-between;gap:20px;margin-bottom:28px}.form-top .eyebrow{color:var(--blue);margin:0 0 8px}.form-top.compact{margin-top:28px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field-grid.three{grid-template-columns:repeat(3,1fr)}.field-grid label,.stress-card label,.wide-select,.target-strip label,.offer-card label{display:grid;gap:7px;font-size:13px;font-weight:700}.field-grid label>span:first-child{font-size:10px;font-weight:400;color:var(--muted);line-height:1.4}.money-input{display:flex;align-items:center;border:1px solid #aeb6c8;background:#fff;min-height:48px}.money-input:focus-within,.select-wrap:focus-within{outline:3px solid var(--blue);outline-offset:2px}.money-input b{padding:0 12px;color:var(--muted);font-size:12px}.money-input input{width:100%;min-width:0;border:0;min-height:46px;padding:8px 12px 8px 0;font-size:16px;color:var(--ink);background:transparent}.money-input input:focus-visible,.select-wrap select:focus-visible{outline:0}.select-wrap{display:block;border:1px solid #aeb6c8;background:#fff}.select-wrap select,.wide-select select,.offer-card select{width:100%;min-height:48px;border:0;background:#fff;padding:8px 12px;color:var(--ink)}.field-note{font-size:11px;color:var(--muted);margin-top:14px}.tool-form hr{border:0;border-top:1px solid var(--line);margin:28px 0}.error,.offer-error{padding:11px;background:#ffe4df;border:1px solid #b23c28;color:#6b1c10;font-size:12px;margin-top:14px}.reset-link{border:0;background:transparent;text-decoration:underline;font-size:11px;color:var(--muted);padding:14px 0 0}.reset-link.light{color:#fff}
.results{padding:36px;background:var(--ink);color:#fff}.results>.eyebrow{color:var(--yellow);margin-bottom:8px}.big-number{display:flex;align-items:baseline;gap:8px;margin-top:18px;flex-wrap:wrap}.big-number strong{font-size:clamp(42px,5vw,66px);line-height:1;color:var(--yellow);letter-spacing:-3px;font-variant-numeric:tabular-nums}.big-number span{font-size:12px;color:#cbd2e5}.result-reading{font-size:13px;color:#d6dcef;margin:15px 0 22px}.result-list{border-top:1px solid #48516f}.result-list div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid #48516f;padding:12px 0}.result-list dt{font-size:12px;color:#c4cbda}.result-list dd{font-weight:700;font-variant-numeric:tabular-nums}.cash-flow{display:flex;align-items:center;gap:8px;margin-top:24px;font:10px/1.4 var(--font-mono)}.cash-flow span{padding:8px;border:1px solid #6e7895}.flow-income{background:var(--blue)}.flow-out{background:#303953}.flow-left{background:var(--yellow);color:var(--ink)}
.negative{color:var(--coral)!important}.stress-card .negative{color:var(--ink)!important}
.stress-layout{display:grid;grid-template-columns:1.4fr .6fr;gap:24px}.chart-card{border:2px solid var(--ink);box-shadow:6px 6px 0 var(--ink);padding:26px;background:#fff}.card-head{display:flex;align-items:start;justify-content:space-between;gap:20px;margin-bottom:18px}.card-head .eyebrow{margin:0 0 7px;color:var(--blue)}#balance-chart{width:100%;height:auto;min-height:220px;background:#fafbff;border:1px solid var(--line)}#balance-chart text{font:11px var(--font-mono);fill:var(--muted)}#balance-chart .grid{stroke:#d8dce5;stroke-width:1}#balance-chart .area{fill:#eef1ff}#balance-chart .line{fill:none;stroke:var(--blue);stroke-width:4;vector-effect:non-scaling-stroke}.chart-summary{font-size:12px;color:var(--muted);margin-top:14px}.stress-controls{display:grid;gap:20px}.stress-card{border:2px solid var(--ink);padding:24px;box-shadow:5px 5px 0 var(--ink)}.stress-card.coral{background:var(--coral)}.stress-card.yellow{background:var(--yellow)}.stress-card .eyebrow{margin-bottom:12px}.stress-card h3{font-size:30px;margin-bottom:8px}.stress-card p{font-size:13px}.stress-card small{display:block;font-size:10px;margin-top:13px}.stress-card .money-input{margin:10px 0 17px}.perspective-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:36px;border:2px solid var(--ink)}.perspective-grid article{padding:24px;border-right:1px solid var(--ink)}.perspective-grid article:last-child{border-right:0}.perspective-grid span,.rate-card>span{font:10px var(--font-mono);color:var(--blue)}.perspective-grid h3{margin:8px 0}.perspective-grid p{font-size:12px;color:var(--muted)}
.decisions{background:var(--pale);border-block:2px solid var(--ink)}.decision-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:center}.decision-flow div{min-height:150px;padding:20px;border:2px solid var(--ink);background:#fff;display:flex;flex-direction:column}.decision-flow b{font:11px var(--font-mono);color:var(--blue)}.decision-flow strong{margin-top:20px}.decision-flow span{font-size:11px;color:var(--muted);margin-top:auto}.decision-flow i{font-style:normal;font-size:25px;padding:0 10px}.example-grid,.limit-grid,.provider-grid,.rate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.example-grid article,.limit-grid article,.provider-grid article{border:2px solid var(--ink);padding:24px;background:#fff;box-shadow:4px 4px 0 var(--ink)}.example-grid h3,.limit-grid h3,.provider-grid h3{margin:16px 0 10px}.example-grid p,.limit-grid p,.provider-grid p{font-size:13px;color:var(--muted)}
.no-loan{background:var(--ink);color:#fff}.no-loan-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}.no-loan h2{color:#fff}.no-loan p{color:#c4cbda;margin-top:18px}.wide-select{margin-top:25px}.wide-select select{margin-top:7px}.comparison-panel{border:2px solid #fff;display:grid;grid-template-columns:1fr 1fr}.comparison-panel>div{padding:25px}.comparison-panel>div:first-child{border-right:1px solid #fff}.comparison-panel span,.comparison-panel small{display:block;font-size:11px;color:#c4cbda}.comparison-panel strong{display:block;font-size:32px;color:var(--yellow);margin:9px 0}.comparison-panel>p{grid-column:1/-1;border-top:1px solid #fff;padding:20px;margin:0;color:#fff;font-size:13px}.limits{background:#fff}
/* Comparison page */
.compare-tool{padding-bottom:72px}.rate-basis-example{margin-bottom:28px;padding:26px;border:2px solid var(--ink);background:#fff;color:var(--ink);box-shadow:6px 6px 0 var(--ink)}.rate-basis-example h3{font-size:27px;margin:0 0 8px}.rate-basis-example>div:first-child>p:last-child,.basis-note{font-size:12px;color:var(--muted)}.basis-table{margin-top:20px;border:1px solid var(--ink)}.basis-table>div{display:grid;grid-template-columns:1.25fr repeat(3,1fr);gap:14px;padding:11px 14px;border-bottom:1px solid var(--line);font-size:12px}.basis-table>div:last-child{border-bottom:0}.basis-head{background:var(--pale);font:700 10px var(--font-mono)}.basis-note{margin-top:14px}.target-strip{display:grid;grid-template-columns:1fr .7fr 1.2fr;gap:20px;padding:26px;background:#fff;color:var(--ink);border:2px solid var(--ink);box-shadow:6px 6px 0 var(--ink)}.privacy-note{display:flex;justify-content:center;flex-direction:column;padding-left:20px;border-left:1px solid var(--line);font-size:12px}.privacy-note span{color:var(--muted)}.scenario-note{margin:26px 0 20px;padding:14px 18px;background:var(--yellow);border:2px solid var(--ink);color:var(--ink);font-size:13px}.fee-example{margin:0 0 26px;padding:24px;border:2px solid var(--ink);background:#fff;color:var(--ink)}.fee-example h3{font-size:23px;margin:0}.fee-example>p{font-size:12px;margin-top:17px}.fee-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr auto 1fr;gap:9px;align-items:center;margin-top:18px}.fee-flow p{padding:12px;border:1px solid var(--ink);background:var(--pale)}.fee-flow span,.fee-flow strong{display:block}.fee-flow span{font-size:9px;color:var(--muted)}.fee-flow strong{font-size:16px}.offer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.offer-card{min-width:0;margin:0;border:2px solid var(--ink);background:#fff;color:var(--ink);padding:22px;box-shadow:5px 5px 0 var(--ink)}.offer-card legend{padding:5px 9px;background:var(--yellow);border:1px solid var(--ink);font:700 11px var(--font-mono)}.offer-card>label{margin-bottom:14px}.offer-card input,.offer-card select{width:100%;min-width:0;min-height:44px;border:1px solid #aeb6c8;padding:8px 10px;background:#fff;color:var(--ink)}.offer-card input:focus-visible,.offer-card select:focus-visible{outline:3px solid var(--blue);outline-offset:2px}.offer-fees{padding-top:12px;border-top:1px solid var(--line)}.offer-fees label{display:grid;gap:5px;margin-top:11px;font-size:11px;font-weight:700}.fee-key{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:24px}.fee-key span{font-size:11px;padding:12px;border:1px solid #aeb6c8;background:#eef1ff;color:var(--ink)}
.results-table-wrap{overflow:auto;border:2px solid var(--ink);box-shadow:5px 5px 0 var(--ink)}.results-table{border-collapse:collapse;width:100%;min-width:1000px;background:#fff;font-size:12px}.results-table caption{text-align:left;padding:14px;background:var(--ink);color:#fff;font:700 11px var(--font-mono)}.results-table th,.results-table td{text-align:left;padding:14px 12px;border-bottom:1px solid var(--line);vertical-align:top}.results-table th{background:var(--pale);font-size:10px}.results-table tbody tr:last-child td{border-bottom:0}.results-table strong,.results-table small{display:block}.results-table small{color:var(--muted);margin-top:3px}.results-table .invalid{color:#9a2d1a}.cost-chart-card{margin-top:32px}.cost-chart{display:grid;gap:20px}.chart-row{display:grid;grid-template-columns:150px 1fr;gap:18px;align-items:center}.chart-label strong,.chart-label small{display:block}.chart-label small{color:var(--muted);font-size:10px}.bar-pair{display:grid;gap:7px}.bar-line{display:grid;grid-template-columns:95px 1fr auto;align-items:center;gap:10px;font-size:10px}.bar-track{height:18px;background:var(--pale);border:1px solid var(--line)}.bar-fill{height:100%;min-width:2px;background:var(--blue)}.bar-line.cost .bar-fill{background:var(--coral)}.bar-line b{font-variant-numeric:tabular-nums}.callout{margin-top:26px;padding:18px 20px;background:var(--yellow);border:2px solid var(--ink);font-size:13px}.term-section{background:var(--pale);border-block:2px solid var(--ink)}.term-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.term-card{background:#fff;border:2px solid var(--ink);padding:22px;box-shadow:4px 4px 0 var(--ink)}.term-card>span{font:10px var(--font-mono);color:var(--blue)}.term-card h3{margin:9px 0 16px}.term-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px}.term-compare div{background:var(--pale);padding:12px}.term-compare span,.term-compare small{display:block;font-size:10px;color:var(--muted)}.term-compare strong{display:block;margin:6px 0;font-size:19px}.term-card p{font-size:12px;margin-top:14px}.rate-explainer{background:#fff}.rate-card{border:2px solid var(--ink);padding:24px;box-shadow:4px 4px 0 var(--ink)}.rate-card h3{margin:8px 0 20px}.rate-card p{font-size:12px;color:var(--muted);margin-top:17px}.rate-card.yellow-card{background:var(--yellow)}.rate-card.yellow-card p{color:var(--ink)}.rate-card.yellow-card strong{display:block;margin-top:30px}.mini-diagram{display:flex;align-items:end;gap:7px;height:80px}.mini-diagram i{flex:1;background:var(--blue);border:1px solid var(--ink)}.formula-note{margin-top:30px;border-block:1px solid var(--ink);padding:18px 0}.formula-note summary{font-weight:700;cursor:pointer}.formula-note p{font-size:13px;color:var(--muted);margin-top:14px}.provider-notes{background:var(--pale);border-top:2px solid var(--ink)}
@media(max-width:1050px){.hero-grid{gap:35px}.tool-shell{grid-template-columns:1fr}.results{padding:34px}.offer-grid{grid-template-columns:1fr}.offer-card{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.offer-card legend{grid-column:1/-1}.offer-card>label{margin:0}.offer-fees{grid-column:1/-1;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.offer-error{grid-column:1/-1}.term-cards{grid-template-columns:1fr}.stress-layout{grid-template-columns:1fr}.stress-controls{grid-template-columns:1fr 1fr}}
@media(max-width:800px){h1{letter-spacing:-2.8px}.hero-grid{grid-template-columns:1fr;padding-top:52px}.hero-visual{max-width:620px}.section,.calculator-section{padding:68px 0}.section-heading{display:grid;gap:18px}.field-grid.three{grid-template-columns:1fr 1fr}.no-loan-grid{grid-template-columns:1fr;gap:35px}.decision-flow{grid-template-columns:1fr}.decision-flow i{transform:rotate(90deg);text-align:center}.example-grid,.limit-grid,.provider-grid,.rate-grid{grid-template-columns:1fr}.target-strip{grid-template-columns:1fr 1fr}.privacy-note{grid-column:1/-1;border-left:0;border-top:1px solid var(--line);padding:15px 0 0}.fee-flow{grid-template-columns:1fr}.fee-flow>b{text-align:center}.fee-key{grid-template-columns:1fr}.offer-card{display:block}.offer-card>label{margin-bottom:14px}.offer-fees{display:block}.chart-row{grid-template-columns:115px 1fr}.bar-line{grid-template-columns:80px 1fr auto}}
@media(max-width:600px){body{font-size:15px}.container,.wrap,.jd-wrap{width:calc(100% - 32px)}h1{font-size:41px;letter-spacing:-2.3px}h2{font-size:34px;letter-spacing:-1.3px}.hero-grid{padding:42px 0}.hero-actions{align-items:stretch;flex-direction:column;gap:18px}.hero-actions .button{width:100%}.hero-visual{box-shadow:5px 5px 0 var(--ink)}.section,.calculator-section{padding:54px 0}.tool-form,.results{padding:24px 18px}.form-top{display:grid}.field-grid,.field-grid.three{grid-template-columns:1fr}.cash-flow{flex-wrap:wrap}.stress-controls{grid-template-columns:1fr}.perspective-grid{grid-template-columns:1fr}.perspective-grid article{border-right:0;border-bottom:1px solid var(--ink)}.perspective-grid article:last-child{border-bottom:0}.comparison-panel{grid-template-columns:1fr}.comparison-panel>div:first-child{border-right:0;border-bottom:1px solid #fff}.comparison-panel>p{grid-column:auto}.basis-table>div:not(.basis-head){grid-template-columns:1fr}.basis-head{display:none!important}.basis-table>div span:before{display:block;font:9px var(--font-mono);color:var(--muted);margin-bottom:3px}.basis-table>div span:nth-child(2):before{content:'Ansuran bulanan'}.basis-table>div span:nth-child(3):before{content:'Jumlah dibayar'}.basis-table>div span:nth-child(4):before{content:'Kadar efektif'}.target-strip{grid-template-columns:1fr;padding:20px}.privacy-note{grid-column:auto}.offer-grid{gap:16px}.offer-card{padding:18px}.chart-card{padding:18px}.chart-row{grid-template-columns:1fr;gap:8px}.bar-line{grid-template-columns:72px 1fr}.bar-line b{grid-column:2}.term-compare{grid-template-columns:1fr}.jd-footer-links{gap:12px}.jd-footer-links a{font-size:11px}}
@media(max-width:340px){h1{font-size:37px}.jd-brand{font-size:25px}.jd-menu{padding:8px}.big-number strong{font-size:39px}.money-input b{padding:0 8px}.money-input input{padding-right:7px}.chart-card{padding:14px}.tool-form,.results{padding-inline:15px}.offer-card{padding:15px}.bar-line{grid-template-columns:62px 1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.calculator-section{background:#fff;color:#000}.tool-form,.results{color:#000}.results{background:#fff}.hero-visual,.tool-shell,.chart-card,.offer-card,.results-table-wrap{box-shadow:none}}