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

:root {
    --primary: #FF6B35;
    --primary-dark: #E55A2B;
    --secondary: #004E89;
    --accent: #FCBF49;
    --white: #FFFFFF;
    --gray-light: #F5F5F5;
    --gray: #6B7280;
    --dark: #1F2937;
    --success: #10B981;
    --shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.15);
}

body {
    font-family: 'Poppins', sans-serif;
    line-height: 1.6;
    color: var(--dark);
    background: var(--white);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Language Switcher */
.language-switcher {
    position: fixed;
    top: 20px;
    right: 20px;
    z-index: 1000;
    display: flex;
    gap: 10px;
    background: var(--white);
    padding: 10px;
    border-radius: 30px;
    box-shadow: var(--shadow-lg);
}

.lang-btn {
    padding: 8px 16px;
    border: none;
    border-radius: 20px;
    cursor: pointer;
    font-weight: 500;
    transition: all 0.3s;
    background: var(--gray-light);
    color: var(--dark);
}

.lang-btn.active {
    background: var(--primary);
    color: var(--white);
}

.lang-btn:hover {
    transform: translateY(-2px);
}

/* Header */
.header {
    background: var(--white);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 100;
    padding: 15px 0;
}

.header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

.logo-icon {
    font-size: 2rem;
}

.nav {
    display: flex;
    gap: 30px;
}

.nav a {
    text-decoration: none;
    color: var(--dark);
    font-weight: 500;
    transition: color 0.3s;
}

.nav a:hover {
    color: var(--primary);
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: var(--white);
    padding: 80px 0;
    text-align: center;
}

.hero-title {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.2;
}

.hero-subtitle {
    font-size: 1.2rem;
    margin-bottom: 40px;
    opacity: 0.95;
}

.hero-stats {
    display: flex;
    justify-content: center;
    gap: 60px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.stat-item {
    text-align: center;
}

.stat-number {
    display: block;
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 5px;
}

.stat-label {
    font-size: 0.9rem;
    opacity: 0.9;
}

.cta-button {
    display: inline-block;
    background: var(--white);
    color: var(--primary);
    padding: 15px 40px;
    border-radius: 30px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
    transition: all 0.3s;
    box-shadow: var(--shadow-lg);
}

.cta-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.2);
}

/* Sections */
section {
    padding: 80px 0;
}

.section-title {
    text-align: center;
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 50px;
    color: var(--dark);
}

.section-subtitle {
    text-align: center;
    font-size: 1.1rem;
    color: var(--gray);
    margin-bottom: 40px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* Benefits */
.benefits {
    background: var(--gray-light);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.benefit-card {
    background: var(--white);
    padding: 30px;
    border-radius: 15px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: transform 0.3s;
}

.benefit-card:hover {
    transform: translateY(-5px);
}

.benefit-icon {
    font-size: 3rem;
    margin-bottom: 20px;
}

.benefit-card h3 {
    font-size: 1.3rem;
    margin-bottom: 15px;
    color: var(--dark);
}

.benefit-card p {
    color: var(--gray);
    line-height: 1.6;
}

/* How It Works */
.steps {
    display: flex;
    justify-content: space-between;
    gap: 30px;
    flex-wrap: wrap;
}

.step {
    flex: 1;
    min-width: 250px;
    text-align: center;
    padding: 30px;
    background: var(--white);
    border-radius: 15px;
    box-shadow: var(--shadow);
    position: relative;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.step h3 {
    font-size: 1.3rem;
    margin-bottom: 15px;
}

.step p {
    color: var(--gray);
}

/* Application Form */
.apply-section {
    background: linear-gradient(135deg, var(--secondary) 0%, #003D6B 100%);
    color: var(--white);
}

.apply-section .section-title,
.apply-section .section-subtitle {
    color: var(--white);
}

.loan-form {
    max-width: 600px;
    margin: 0 auto;
    background: var(--white);
    padding: 40px;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
    color: var(--dark);
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid #E5E7EB;
    border-radius: 10px;
    font-size: 1rem;
    font-family: 'Poppins', sans-serif;
    transition: border-color 0.3s;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
}

.form-hint {
    display: block;
    margin-top: 5px;
    font-size: 0.85rem;
    color: var(--gray);
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.checkbox-group input[type="checkbox"] {
    width: auto;
    margin-top: 5px;
}

.checkbox-group label {
    margin: 0;
    font-size: 0.9rem;
    color: var(--gray);
}

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

.submit-button {
    width: 100%;
    padding: 15px;
    background: var(--primary);
    color: var(--white);
    border: none;
    border-radius: 10px;
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.submit-button:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
}

.form-disclaimer {
    margin-top: 20px;
    font-size: 0.85rem;
    color: var(--gray);
    text-align: center;
    line-height: 1.5;
}

/* Success Message */
.success-message {
    text-align: center;
    padding: 40px;
    background: var(--white);
    border-radius: 20px;
    max-width: 600px;
    margin: 0 auto;
}

.success-message.hidden {
    display: none;
}

.success-icon {
    font-size: 4rem;
    margin-bottom: 20px;
}

.success-message h3 {
    font-size: 2rem;
    color: var(--success);
    margin-bottom: 15px;
}

.success-message p {
    color: var(--gray);
    margin-bottom: 30px;
}

.reset-button {
    padding: 12px 30px;
    background: var(--primary);
    color: var(--white);
    border: none;
    border-radius: 10px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s;
}

.reset-button:hover {
    background: var(--primary-dark);
}

/* FAQ */
.faq {
    background: var(--gray-light);
}

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

.faq-item {
    background: var(--white);
    padding: 25px;
    border-radius: 15px;
    margin-bottom: 20px;
    box-shadow: var(--shadow);
}

.faq-item h3 {
    font-size: 1.2rem;
    margin-bottom: 15px;
    color: var(--dark);
}

.faq-item p {
    color: var(--gray);
    line-height: 1.6;
}

/* Footer */
.footer {
    background: var(--dark);
    color: var(--white);
    padding: 60px 0 30px;
}

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

.footer-brand .logo-text {
    color: var(--white);
}

.footer-brand p {
    margin-top: 15px;
    color: #9CA3AF;
    line-height: 1.6;
}

.footer-links h4,
.footer-legal h4 {
    margin-bottom: 20px;
    font-size: 1.1rem;
}

.footer-links a,
.footer-legal a {
    display: block;
    color: #9CA3AF;
    text-decoration: none;
    margin-bottom: 10px;
    transition: color 0.3s;
}

.footer-links a:hover,
.footer-legal a:hover {
    color: var(--primary);
}

.ojk-badge {
    margin-top: 15px;
    padding: 10px;
    background: rgba(255, 107, 53, 0.2);
    border-radius: 8px;
    color: var(--primary);
    font-weight: 500;
    text-align: center;
}

.footer-bottom {
    border-top: 1px solid #374151;
    padding-top: 30px;
    text-align: center;
}

.footer-bottom p {
    color: #9CA3AF;
    margin-bottom: 10px;
}

.footer-bottom .disclaimer {
    font-size: 0.85rem;
    max-width: 800px;
    margin: 0 auto;
}

/* WhatsApp Float */
.whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    background: #25D366;
    color: var(--white);
    padding: 15px 25px;
    border-radius: 30px;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: var(--shadow-lg);
    transition: all 0.3s;
    z-index: 999;
}

.whatsapp-float:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(37, 211, 102, 0.4);
}

.whatsapp-icon {
    font-size: 1.5rem;
}

.whatsapp-text {
    font-weight: 600;
}

/* Responsive */
@media (max-width: 768px) {
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-stats {
        gap: 30px;
    }
    
    .stat-number {
        font-size: 2rem;
    }
    
    .nav {
        display: none;
    }
    
    .section-title {
        font-size: 2rem;
    }
    
    .steps {
        flex-direction: column;
    }
    
    .loan-form {
        padding: 25px;
    }
    
    .language-switcher {
        top: 10px;
        right: 10px;
        padding: 5px;
    }
    
    .lang-btn {
        padding: 5px 10px;
        font-size: 0.85rem;
    }
}
/* Integration, accessibility and responsive fixes. */
[hidden] { display: none !important; }
html { scroll-padding-top: 110px; }
.header .container { flex-wrap: wrap; gap: 16px; }
.language-switcher { position: static; padding: 5px; gap: 5px; box-shadow: none; background: var(--gray-light); }
.lang-btn { min-height: 40px; font-family: inherit; }
.nav { gap: 20px; }
.hero-content { max-width: 980px; margin: auto; }
button, a, input, select { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid var(--secondary); outline-offset: 4px; }
.form-group input.error, .form-group select.error { border-color: #dc2626; }
.checkbox-group input { min-width: 20px; min-height: 20px; accent-color: var(--primary); }
.form-hint, .form-disclaimer, .footer-bottom .disclaimer { font-size: .875rem; }
.whatsapp-float { background: #147a3b; }
.success-message .cta-button { margin: 0 10px 20px; }
dialog { margin: auto; max-width: min(540px, calc(100% - 32px)); padding: 32px; border: 0; border-radius: 16px; color: var(--dark); }
dialog::backdrop { background: #001d36a6; }
dialog p { margin: 20px 0; }
@media (max-width: 900px) { .nav { width: 100%; order: 3; justify-content: center; } }
@media (max-width: 768px) { .nav { display: flex; flex-wrap: wrap; gap: 10px 20px; font-size: .875rem; } .header { position: relative; } html { scroll-padding-top: 20px; } }
@media (max-width: 420px) {
    .header .container { justify-content: center; }
    section { padding: 56px 0; }
    .hero { padding: 56px 0; }
    .hero-stats { gap: 24px; }
    .stat-number { font-size: 1.7rem; }
    .section-title { font-size: 1.75rem; margin-bottom: 28px; }
    .benefits-grid, .footer-content { grid-template-columns: minmax(0, 1fr); }
    .step { min-width: 0; }
    .loan-form { padding: 24px 18px; }
    .whatsapp-float { right: 16px; bottom: 16px; padding: 12px 18px; }
    .footer { padding-bottom: 100px; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; } }

/* Light blue and turquoise identity, derived from the supplied logo. */
:root {
    --primary: #087f8c;
    --primary-dark: #066672;
    --secondary: #10365c;
    --accent: #0bc6b6;
    --gray-light: #f2f8fb;
    --gray: #52697a;
    --dark: #123453;
    --success: #087f73;
    --shadow: 0 4px 16px rgba(29, 72, 99, .05);
    --shadow-lg: 0 16px 48px rgba(29, 72, 99, .10);
}
body { background: #fff; }
.header { border-bottom: 1px solid #e5eef4; background: #fffffffa; }
.logo { color: var(--secondary); letter-spacing: -.6px; gap: 12px; }
.brand-mark { display: inline-flex; width: 52px; height: 56px; flex: 0 0 52px; overflow: hidden; align-items: center; justify-content: center; vertical-align: middle; }
.brand-mark img { display: block; width: 56px; height: 56px; object-fit: contain; transform: scale(1.55); }
.language-switcher { background: #eef5f8; border: 1px solid #e0eaf0; }
.lang-btn { font-size: .875rem; }
.lang-btn.active { background: #fff; color: var(--secondary); box-shadow: 0 2px 6px #17385112; }
.nav a:hover { color: var(--primary); }
.hero { background: linear-gradient(125deg, #f3f9fd 0%, #eaf6fc 52%, #e7faf5 100%); color: var(--secondary); padding: 96px 0 88px; border-bottom: 1px solid #dcecf2; }
.hero-title { max-width: 880px; margin: 0 auto 26px; font-size: clamp(2rem, 4.4vw, 3.6rem); letter-spacing: -1.5px; line-height: 1.17; }
.hero-subtitle { color: #486579; max-width: 700px; margin: 0 auto 38px; font-size: 1.125rem; }
.hero-stats { gap: 0; margin: 0 auto 38px; }
.stat-item { padding: 0 36px; }
.stat-item + .stat-item { border-left: 1px solid #c8dde5; }
.stat-number { color: var(--secondary); font-size: 2.2rem; letter-spacing: -.8px; }
.stat-label { color: #4d687a; opacity: 1; }
.cta-button, .submit-button { background: var(--primary); color: #fff; border-radius: 12px; box-shadow: 0 8px 20px #087f8c20; }
.cta-button:hover { background: var(--primary-dark); }
.benefits { background: #fff; }
.section-title { color: var(--secondary); letter-spacing: -.8px; font-size: 2.25rem; }
.benefit-card { text-align: left; border: 1px solid #e1ecf2; background: #f8fbfd; padding: 28px; border-radius: 20px; box-shadow: none; }
.benefit-icon { font-size: 2.2rem; margin-bottom: 18px; }
.how-it-works { background: #f2f8fb; }
.step { box-shadow: none; border: 1px solid #dfebf1; border-radius: 20px; }
.step-number { background: #e2f6f3; color: #087b77; width: 52px; height: 52px; }
.faq { background: #fff; }
.faq-item { box-shadow: none; border: 1px solid #dfeaf1; border-radius: 16px; }
.footer { background: #edf5f9; color: var(--dark); border-top: 1px solid #dbe9f1; }
.footer-brand .logo-text { color: var(--secondary); font-weight: 700; font-size: 1.4rem; }
.footer-brand p, .footer-links a, .footer-legal a, .footer-bottom p { color: #506a7c; }
.footer-bottom { border-color: #d5e4ed; }
.ojk-badge { color: #08766f; background: #dcf2ed; }
.whatsapp-float { background: #087e79; border: 1px solid #ffffff60; }
.dialog-open { overflow: hidden; }
body:has(#legal-dialog[open]) { overflow: hidden; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
#legal-dialog { width: 940px; max-width: calc(100% - 32px); height: min(880px, calc(100dvh - 40px)); max-height: calc(100dvh - 40px); padding: 0; border: 1px solid #dce8ee; border-radius: 20px; overflow: hidden; }
#legal-dialog[open] { display: flex; flex-direction: column; }
.legal-header { flex-shrink: 0; padding: 24px 30px 18px; border-bottom: 1px solid #dce8ee; background: #f4f9fc; }
.legal-heading-row { display: flex; gap: 18px; justify-content: space-between; align-items: center; }
.legal-heading-row h2 { font-size: 1.6rem; color: var(--secondary); line-height: 1.3; margin: 0; }
.legal-heading-row form { flex-shrink: 0; }
.legal-heading-row .dialog-close { margin: 0; }
.legal-toolbar { display: flex; gap: 16px; align-items: center; justify-content: space-between; margin-top: 18px; }
.legal-languages { display: flex; gap: 4px; padding: 4px; background: #e6f0f5; border-radius: 10px; flex-shrink: 0; }
.legal-languages button { font: inherit; font-size: .875rem; border: 0; background: transparent; padding: 8px 14px; min-height: 40px; border-radius: 7px; color: var(--secondary); cursor: pointer; }
.legal-languages button.active { background: #fff; box-shadow: 0 2px 6px #15395212; }
#legal-section { min-width: 0; max-width: 330px; width: 100%; min-height: 44px; padding: 10px; border: 1px solid #cddfe8; border-radius: 8px; background: white; font: inherit; font-size: .875rem; color: var(--secondary); }
.legal-content { flex: 1; min-height: 0; overflow-y: auto; overscroll-behavior: contain; padding: 28px 34px 40px; scroll-padding-top: 24px; color: #304c60; line-height: 1.8; font-size: 1rem; overflow-wrap: anywhere; }
.legal-content h3 { font-size: 1.125rem; line-height: 1.45; color: var(--secondary); margin: 36px 0 18px; padding-top: 20px; border-top: 1px solid #e3edf3; }
.legal-content p { margin: 0 0 16px; }
.legal-level-1 { padding-left: 14px; }
.legal-level-2 { padding-left: 28px; }
@media (max-width: 600px) {
    #legal-dialog { max-width: calc(100% - 16px); height: calc(100dvh - 16px); max-height: calc(100dvh - 16px); border-radius: 14px; }
    .legal-header { padding: 18px 18px 14px; }
    .legal-heading-row h2 { font-size: 1.25rem; }
    .legal-toolbar { flex-wrap: wrap; gap: 10px; }
    #legal-section { max-width: none; }
    .legal-content { padding: 20px; }
    .legal-level-1 { padding-left: 8px; }
    .legal-level-2 { padding-left: 16px; }
}
.application-dialog { width: 760px; max-width: calc(100% - 32px); max-height: calc(100dvh - 40px); padding: 32px; border-radius: 24px; border: 1px solid #e0ebf1; background: #fff; box-shadow: 0 28px 100px #082b4c33; overscroll-behavior: contain; }
.application-dialog::backdrop { background: #153b5980; backdrop-filter: blur(5px); }
.dialog-close { display: block; margin: 0 0 6px auto; border: 1px solid #dbe7ee; border-radius: 8px; background: #f3f8fb; color: var(--dark); padding: 8px 14px; min-height: 40px; font: inherit; font-size: .875rem; cursor: pointer; }
.application-dialog .section-title { text-align: left; font-size: 1.8rem; margin: 0 0 10px; }
.application-dialog .section-subtitle { text-align: left; margin: 0 0 26px; font-size: 1rem; max-width: none; }
.application-dialog .loan-form { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); column-gap: 22px; row-gap: 20px; max-width: none; padding: 0; border-radius: 0; box-shadow: none; }
.application-dialog .form-group { margin: 0; min-width: 0; }
.application-dialog .form-group label { font-size: .875rem; }
.application-dialog input, .application-dialog select { background: #f8fbfd; border: 1px solid #cfdee8; min-height: 48px; }
.application-dialog .form-wide, .application-dialog .submit-button, .application-dialog .form-disclaimer { grid-column: 1 / -1; }
.application-dialog .checkbox-group input { min-height: 20px; }
.application-dialog .form-disclaimer { margin: 0; text-align: left; }
.application-dialog #form-status:empty { display: none; }
.application-dialog .success-message { padding: 24px 0; }
.form-group input.error, .form-group select.error { border-color: #c93434; }
@media (max-width: 600px) {
    .hero { padding: 56px 0; }
    .hero-title { letter-spacing: -.7px; }
    .hero-stats { gap: 22px 0; }
    .stat-item { padding: 0 16px; }
    .stat-number { font-size: 1.6rem; }
    .stat-label { font-size: .875rem; }
    .application-dialog { padding: 20px; max-height: calc(100dvh - 20px); max-width: calc(100% - 20px); border-radius: 18px; }
    .application-dialog .loan-form { grid-template-columns: minmax(0,1fr); }
    .application-dialog .section-title { font-size: 1.6rem; }
    .dialog-close { position: sticky; top: 0; z-index: 1; }
    .whatsapp-float { padding: 10px 16px; bottom: 12px; }
}