:root{
  --petrol:#0c3a33; --petrol-2:#124a41; --petrol-3:#0a2e29;
  --mint:#9fd9b8; --mint-soft:#cfeada; --mint-deep:#4fae86;
  --ivory:#f7f2e8; --ivory-2:#efe7d6; --paper:#fcf9f2;
  --brass:#c8932f; --brass-2:#e0b558; --ink:#16201d; --ink-soft:#445049;
  --line:#e3dccb; --danger:#bb4d3b; --ok:#2f9e6b; --warn:#c9962f;
  --shadow:0 1px 2px rgba(12,58,51,.05),0 12px 30px -12px rgba(12,58,51,.18);
  --shadow-lg:0 30px 70px -30px rgba(12,58,51,.45);
  --r:18px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Hanken Grotesk',sans-serif;background:var(--ivory);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.5}
.mono{font-family:'Geist Mono',monospace;font-feature-settings:'tnum' 1}
h1,h2,h3,.disp{font-family:'Fraunces',serif;font-weight:600;letter-spacing:-.02em;line-height:1.05}

/* ===== SCREEN TRANSITION ===== */to{opacity:1;transform:none}}

/* ===== SHARED ===== */
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.pill{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:600;padding:5px 11px;border-radius:99px;letter-spacing:.03em;text-transform:uppercase}
.pill-mint{background:var(--mint-soft);color:var(--petrol)}
.pill-brass{background:#f5e6c4;color:#8a6414}
.btn{font-family:'Hanken Grotesk';font-weight:600;font-size:14px;padding:13px 22px;border-radius:99px;border:none;cursor:pointer;transition:.2s;display:inline-flex;align-items:center;gap:8px}
.btn-primary{background:var(--petrol);color:var(--paper);box-shadow:var(--shadow)}
.btn-primary:hover{background:var(--petrol-2);transform:translateY(-1px)}
.btn-brass{background:linear-gradient(135deg,var(--brass-2),var(--brass));color:#231a06}
.btn-brass:hover{transform:translateY(-1px);box-shadow:0 10px 24px -8px rgba(200,147,47,.6)}
.btn-ghost{background:transparent;border:1px solid var(--line);color:var(--ink)}
.btn-ghost:hover{background:#fff}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow)}

/* ===== 1. CUSTOMER PUBLIC + CALCULATOR ===== */
#s-public{background:
  radial-gradient(1200px 600px at 80% -10%,rgba(159,217,184,.35),transparent),
  radial-gradient(900px 500px at -10% 110%,rgba(200,147,47,.12),transparent),
  var(--ivory);min-height:100vh}
.nav{display:flex;align-items:center;justify-content:space-between;padding:22px 0}
.logo{font-family:'Fraunces',serif;font-size:26px;font-weight:600;letter-spacing:.02em;display:flex;align-items:center;gap:10px}
.logo .dot{width:11px;height:11px;border-radius:50%;background:var(--brass);box-shadow:0 0 0 4px rgba(200,147,47,.18)}
.logo small{font-family:'Hanken Grotesk';font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft);font-weight:600}
.nav-links{display:flex;gap:26px;align-items:center;font-size:14px;font-weight:500;color:var(--ink-soft)}
.nav-links a{color:inherit;text-decoration:none}.nav-links a:hover{color:var(--petrol)}

.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;padding:40px 0 60px}
.hero-kicker{font-size:13px;font-weight:600;letter-spacing:.04em;color:var(--mint-deep);text-transform:uppercase;margin-bottom:18px;display:flex;align-items:center;gap:9px}
.hero h1{font-size:clamp(40px,5.5vw,68px);font-weight:600;line-height:.98;letter-spacing:-.03em}
.hero h1 em{font-style:italic;color:var(--brass);font-weight:500}
.hero p.lede{font-size:18px;color:var(--ink-soft);margin:24px 0 32px;max-width:480px}
.hero-cta{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.trust{display:flex;gap:28px;margin-top:40px;padding-top:26px;border-top:1px solid var(--line)}
.trust div{font-size:13px;color:var(--ink-soft)}
.trust b{font-family:'Fraunces',serif;font-size:26px;color:var(--petrol);display:block;font-weight:600}

/* calculator card */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-lg);overflow:hidden}
.calc-head{background:var(--petrol);color:var(--paper);padding:20px 24px;display:flex;align-items:center;justify-content:space-between}
.calc-head h3{font-size:19px;color:var(--paper)}
.calc-head .pill{background:rgba(159,217,184,.2);color:var(--mint)}
.calc-body{padding:24px}
.field{margin-bottom:16px}
.field label{display:block;font-size:12.5px;font-weight:600;color:var(--ink-soft);margin-bottom:7px;letter-spacing:.01em}
.field .inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;background:#fff;overflow:hidden;transition:.18s}
.field .inp:focus-within{border-color:var(--mint-deep);box-shadow:0 0 0 3px rgba(79,174,134,.15)}
.field .inp span{padding:0 12px;color:var(--ink-soft);font-size:13px;font-weight:600;background:var(--ivory-2);align-self:stretch;display:flex;align-items:center}
.field .inp input{border:none;outline:none;padding:12px 14px;font-family:'Geist Mono',monospace;font-size:15px;width:100%;background:transparent;color:var(--ink)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-result{background:linear-gradient(160deg,var(--petrol),var(--petrol-3));color:var(--paper);padding:24px;border-radius:0 0 0 0}
.cr-top{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:18px}
.cr-top .lbl{font-size:12px;color:var(--mint);text-transform:uppercase;letter-spacing:.05em;font-weight:600}
.cr-save{font-family:'Fraunces',serif;font-size:42px;font-weight:600;color:var(--brass-2);line-height:1}
.cr-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1px;background:rgba(255,255,255,.1);border-radius:12px;overflow:hidden;margin-bottom:16px}
.cr-grid div{background:var(--petrol);padding:13px 12px}
.cr-grid .k{font-size:10.5px;color:var(--mint);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
.cr-grid .v{font-family:'Geist Mono',monospace;font-size:17px;font-weight:600}
.dsr-bar{height:8px;border-radius:99px;background:rgba(255,255,255,.15);overflow:hidden;margin:8px 0 6px}
.dsr-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--mint-deep),var(--mint));border-radius:99px;transition:width .5s}
.dsr-note{font-size:11.5px;color:var(--mint)}

/* bank compare */
.banks{padding:60px 0}
.section-head{text-align:center;max-width:600px;margin:0 auto 40px}
.section-head h2{font-size:clamp(28px,3.5vw,40px)}
.section-head p{color:var(--ink-soft);margin-top:12px;font-size:16px}
.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.bank-card{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px;transition:.22s;position:relative}
.bank-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--mint-deep)}
.bank-card.best{border-color:var(--brass);box-shadow:0 0 0 1px var(--brass)}
.bank-card.best::before{content:'PILIHAN TERBAIK';position:absolute;top:-10px;left:20px;background:var(--brass);color:#231a06;font-size:9.5px;font-weight:700;padding:3px 9px;border-radius:99px;letter-spacing:.06em}
.bank-logo{width:42px;height:42px;border-radius:10px;background:var(--petrol);color:var(--mint);display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:600;font-size:18px;margin-bottom:14px}
.bank-card h4{font-size:16px;font-family:'Hanken Grotesk';font-weight:700}
.bank-rate{font-family:'Fraunces',serif;font-size:30px;color:var(--petrol);margin:8px 0 2px}
.bank-rate small{font-size:13px;color:var(--ink-soft);font-family:'Hanken Grotesk'}
.bank-row{display:flex;justify-content:space-between;font-size:12.5px;padding:6px 0;border-top:1px dashed var(--line);color:var(--ink-soft)}
.bank-row b{color:var(--ink);font-family:'Geist Mono',monospace}

/* ===== APP SHELL (agent/admin/customer-dash) ===== */
.app{display:grid;grid-template-columns:248px 1fr;min-height:100vh;background:var(--ivory)}
.side{background:var(--petrol-3);color:var(--mint-soft);padding:24px 16px;display:flex;flex-direction:column}
.side .logo{color:var(--paper);font-size:22px;margin-bottom:4px}
.side .logo small{color:var(--mint);opacity:.7}
.side .role{font-size:11px;color:var(--brass-2);font-weight:600;letter-spacing:.1em;text-transform:uppercase;margin:2px 0 26px;padding-left:2px}
.nav-group{font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:rgba(207,234,218,.45);margin:18px 0 8px;padding-left:12px;font-weight:600}
.side a{display:flex;align-items:center;gap:11px;padding:10px 12px;border-radius:11px;color:var(--mint-soft);text-decoration:none;font-size:13.5px;font-weight:500;transition:.15s;margin-bottom:2px}
.side a:hover{background:rgba(255,255,255,.05);color:#fff}
.side a.active{background:var(--brass);color:#231a06;font-weight:600}
.side a .ic{width:18px;text-align:center;opacity:.9}
.side .user{margin-top:auto;display:flex;align-items:center;gap:10px;padding:12px;background:rgba(255,255,255,.04);border-radius:12px;font-size:12.5px}
.side .user .av{width:34px;height:34px;border-radius:50%;background:var(--mint-deep);color:var(--petrol-3);display:flex;align-items:center;justify-content:center;font-weight:700;font-family:'Fraunces',serif}
.side .user b{color:#fff;display:block;font-size:13px}
.side .user span{color:var(--mint);opacity:.7}

.main{padding:30px 36px;overflow:auto}
.topbar{display:flex;align-items:center;justify-content:space-between;margin-bottom:28px}
.topbar h1{font-size:30px}
.topbar .sub{color:var(--ink-soft);font-size:14px;margin-top:4px}
.topbar-actions{display:flex;gap:10px;align-items:center}
.search{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:99px;padding:9px 16px;font-size:13px;color:var(--ink-soft);width:240px}
.search input{border:none;outline:none;font-family:inherit;font-size:13px;width:100%}

.kpi-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:24px}
.kpi{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px;position:relative;overflow:hidden}
.kpi .ic{position:absolute;top:16px;right:16px;width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:18px}
.kpi .k{font-size:12.5px;color:var(--ink-soft);font-weight:600;letter-spacing:.01em}
.kpi .v{font-family:'Fraunces',serif;font-size:34px;font-weight:600;margin:6px 0 4px;letter-spacing:-.01em}
.kpi .d{font-size:12px;font-weight:600;display:flex;align-items:center;gap:5px}
.kpi .d.up{color:var(--ok)} .kpi .d.down{color:var(--danger)}

.grid-2{display:grid;grid-template-columns:1.6fr 1fr;gap:20px}
.panel{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:22px}
.panel-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.panel-head h3{font-size:18px}
.panel-head a{font-size:12.5px;color:var(--mint-deep);font-weight:600;text-decoration:none}

/* table */
table{width:100%;border-collapse:collapse;font-size:13.5px}
th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:var(--ink-soft);font-weight:600;padding:0 12px 12px;border-bottom:1px solid var(--line)}
td{padding:13px 12px;border-bottom:1px solid var(--line)}
tr:last-child td{border-bottom:none}
td .who{display:flex;align-items:center;gap:10px}
td .who .av{width:32px;height:32px;border-radius:50%;background:var(--mint-soft);color:var(--petrol);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;font-family:'Fraunces',serif}
td .who b{font-size:13.5px}.td-sub{font-size:11.5px;color:var(--ink-soft)}
.tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;padding:4px 10px;border-radius:99px}
.tag::before{content:'';width:6px;height:6px;border-radius:50%;background:currentColor}
.tag-new{background:#e6eef5;color:#2f6fae}.tag-proc{background:#f5ecd4;color:#9b7414}
.tag-ok{background:#d8efe1;color:#1f7a52}.tag-rej{background:#f3ddd7;color:#a3402c}
.amt{font-family:'Geist Mono',monospace;font-weight:600}

/* kanban */
.kanban{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.kcol{background:var(--ivory-2);border-radius:14px;padding:12px}
.kcol-head{display:flex;align-items:center;justify-content:space-between;font-size:12px;font-weight:700;color:var(--ink-soft);padding:4px 6px 12px;text-transform:uppercase;letter-spacing:.03em}
.kcol-head .cnt{background:#fff;border-radius:99px;padding:1px 8px;font-family:'Geist Mono',monospace;font-size:11px}
.kcard{background:#fff;border:1px solid var(--line);border-radius:11px;padding:12px;margin-bottom:9px;box-shadow:0 1px 3px rgba(12,58,51,.04);cursor:grab;transition:.15s}
.kcard:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.kcard b{font-size:13.5px}.kcard .meta{font-size:11.5px;color:var(--ink-soft);margin-top:3px}
.kcard .amt{font-size:14px;color:var(--petrol);margin-top:7px;display:block}
.kcard .foot{display:flex;justify-content:space-between;align-items:center;margin-top:9px;padding-top:9px;border-top:1px dashed var(--line)}
.kcard .ag{font-size:10.5px;color:var(--ink-soft)}

/* mini chart */
.chart{display:flex;align-items:flex-end;gap:9px;height:150px;padding-top:10px}
.chart .bar{flex:1;background:linear-gradient(180deg,var(--mint-deep),var(--mint));border-radius:7px 7px 0 0;position:relative;transition:.3s;min-height:8px}
.chart .bar:hover{filter:brightness(1.08)}
.chart .bar.hi{background:linear-gradient(180deg,var(--brass),var(--brass-2))}
.chart .bar span{position:absolute;bottom:-22px;left:0;right:0;text-align:center;font-size:10.5px;color:var(--ink-soft)}
.legend{display:flex;gap:18px;margin-top:34px;font-size:12px;color:var(--ink-soft)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}

/* progress steps (customer dash) */
.steps{display:flex;gap:0;margin:20px 0}
.step{flex:1;text-align:center;position:relative}
.step::before{content:'';position:absolute;top:15px;left:-50%;width:100%;height:2px;background:var(--line)}
.step:first-child::before{display:none}
.step.done::before,.step.active::before{background:var(--mint-deep)}
.step .dot{width:32px;height:32px;border-radius:50%;background:#fff;border:2px solid var(--line);display:flex;align-items:center;justify-content:center;margin:0 auto 8px;position:relative;z-index:1;font-weight:700;font-size:13px;color:var(--ink-soft)}
.step.done .dot{background:var(--mint-deep);border-color:var(--mint-deep);color:#fff}
.step.active .dot{background:var(--brass);border-color:var(--brass);color:#231a06;box-shadow:0 0 0 5px rgba(200,147,47,.15)}
.step .lbl{font-size:12px;font-weight:600}
.step .dt{font-size:10.5px;color:var(--ink-soft)}

/* rates editor */
.rate-row td{padding:10px 12px}
.rate-edit{display:flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:5px 9px;width:90px}
.rate-edit input{border:none;outline:none;width:100%;font-family:'Geist Mono',monospace;font-size:13px}
.bank-mini{display:flex;align-items:center;gap:10px}
.bank-mini .lg{width:34px;height:34px;border-radius:8px;background:var(--petrol);color:var(--mint);display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:600;font-size:14px}

.foot-note{text-align:center;padding:30px;font-size:12px;color:var(--ink-soft)}
@media(max-width:980px){.hero,.grid-2,.bank-grid,.kpi-row,.kanban{grid-template-columns:1fr}.app{grid-template-columns:1fr}.side{display:none}}