/* Shared Styles for BPR Apta Sejahtera */
:root{--bg:#0a0a0b;--white:#ffffff;--gray:#888;--gold:#D4AF37;--gradient:linear-gradient(135deg,#D4AF37 0%,#F4E4BA 50%,#D4AF37 100%);--radius:20px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;background:var(--bg);color:var(--white);line-height:1.6;overflow-x:hidden}

/* NAVBAR */
.navbar{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  padding:16px 5%;display:flex;justify-content:space-between;align-items:center;
  background:rgba(10,10,11,0.95);backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(212,175,55,0.1);
}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo img{width:44px;height:44px;border-radius:10px}
.logo-text{font-size:18px;font-weight:700;color:var(--white)}
.logo-text span{color:var(--gold)}

.nav{position:relative}
.nav-list{display:flex;gap:8px;list-style:none;align-items:center}
.nav-list > li{position:relative}
.nav-list a{color:var(--gray);text-decoration:none;font-size:14px;font-weight:500;padding:8px 16px;border-radius:8px;transition:all .3s;display:block;white-space:nowrap}
.nav-list a:hover,.nav-list a.active{color:var(--gold)}
.nav-list a.has-dropdown::after{content:' ▼';font-size:8px;margin-left:4px}

/* DROPDOWN */
.dropdown{
  position:absolute;top:100%;left:0;min-width:220px;
  background:rgba(10,10,11,0.98);border:1px solid rgba(212,175,55,0.2);
  border-radius:12px;padding:8px;opacity:0;visibility:hidden;
  transform:translateY(10px);transition:all .3s;
  box-shadow:0 20px 40px rgba(0,0,0,0.5);
}
.nav-list > li:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{color:var(--gray);padding:10px 16px;border-radius:8px;font-size:13px}
.dropdown a:hover{color:var(--gold);background:rgba(212,175,55,0.1)}

.nav-cta{background:var(--gradient);color:#0a0a0b;padding:10px 24px;border-radius:8px;font-weight:600;font-size:13px;text-decoration:none;margin-left:16px}
.menu-toggle{display:none;background:none;border:none;color:var(--white);font-size:28px;cursor:pointer}

/* HERO */
.page-header{min-height:40vh;display:flex;align-items:center;justify-content:center;position:relative;padding:120px 5% 60px;overflow:hidden}
.page-header::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 50%,rgba(212,175,55,0.1) 0%,transparent 50%)}
.page-header h1{font-size:clamp(32px,5vw,48px);font-weight:900;margin-bottom:16px;text-align:center}
.page-header h1 span{background:var(--gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent}
.page-header p{font-size:16px;color:var(--gray);max-width:600px;margin:0 auto;text-align:center}

/* CONTENT */
.content{padding:60px 5%;max-width:1100px;margin:0 auto}
.content h2{font-size:clamp(22px,3vw,28px);font-weight:700;margin:40px 0 20px;color:var(--gold)}
.content h2:first-child{margin-top:0}
.content h3{font-size:clamp(18px,2.5vw,22px);font-weight:600;margin:32px 0 16px}
.content p{color:var(--gray);font-size:15px;line-height:1.8;margin-bottom:16px}
.content ul{list-style:none;margin:16px 0 24px}
.content ul li{color:var(--gray);font-size:14px;line-height:1.8;padding:8px 0;padding-left:24px;position:relative}
.content ul li::before{content:'•';color:var(--gold);font-weight:bold;position:absolute;left:0}

/* CARDS */
.card{background:linear-gradient(145deg,rgba(255,255,255,0.05),rgba(255,255,255,0.02));border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius);padding:32px;margin-bottom:20px}
.card h3{color:var(--gold);margin-top:0}
.card p{color:var(--gray);font-size:14px;line-height:1.7}

/* RATE BOX */
.rate-box{background:linear-gradient(145deg,rgba(212,175,55,0.15),rgba(212,175,55,0.05));border:2px solid rgba(212,175,55,0.3);border-radius:var(--radius);padding:40px;text-align:center;margin:30px 0}
.rate-box .big-rate{font-size:clamp(36px,6vw,56px);font-weight:900;background:var(--gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent}

/* DOWNLOAD LIST */
.download-list{list-style:none;margin:20px 0}
.download-list li{background:linear-gradient(145deg,rgba(255,255,255,0.04),rgba(255,255,255,0.01));border:1px solid rgba(255,255,255,0.08);border-radius:12px;padding:16px 20px;margin-bottom:12px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.download-list li:hover{border-color:rgba(212,175,55,0.3)}
.download-list .file-name{font-size:14px;font-weight:500}
.download-list .file-meta{font-size:12px;color:var(--gray)}
.download-list .download-btn{background:var(--gradient);color:#0a0a0b;padding:8px 16px;border-radius:6px;font-size:12px;font-weight:600;text-decoration:none;transition:all .3s}
.download-list .download-btn:hover{transform:translateY(-2px)}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin:40px 0}
.contact-info h3{color:var(--gold);margin-top:0}
.contact-item{display:flex;gap:12px;margin-bottom:20px}
.contact-item .icon{font-size:24px}
.contact-item h4{font-size:14px;font-weight:600;margin-bottom:4px}
.contact-item p{font-size:13px;color:var(--gray);margin:0}

/* FORM */
.form-group{margin-bottom:20px}
.form-group label{display:block;font-size:13px;font-weight:500;margin-bottom:8px;color:var(--gray)}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:14px 16px;background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.1);border-radius:8px;color:var(--white);font-size:14px;font-family:inherit;transition:all .3s}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{outline:none;border-color:var(--gold)}
.form-group textarea{resize:vertical;min-height:120px}
.form-group select option{background:var(--bg)}
.form-submit{width:100%;background:var(--gradient);color:#0a0a0b;padding:16px;border:none;border-radius:8px;font-size:14px;font-weight:700;cursor:pointer;transition:all .3s}
.form-submit:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(212,175,55,0.3)}

/* GALLERY */
.gallery-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px;margin:30px 0}
.gallery-item{aspect-ratio:16/10;background:linear-gradient(145deg,rgba(255,255,255,0.05),rgba(255,255,255,0.02));border:1px solid rgba(255,255,255,0.08);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:48px;opacity:0.5;transition:all .3s}
.gallery-item:hover{opacity:1;border-color:rgba(212,175,55,0.3)}

/* SIMULATOR */
.simulator{background:linear-gradient(145deg,rgba(255,255,255,0.05),rgba(255,255,255,0.02));border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius);padding:40px;max-width:600px;margin:40px auto}
.simulator h3{text-align:center;color:var(--gold);margin-top:0}
.sim-result{background:rgba(212,175,55,0.1);border:1px solid rgba(212,175,55,0.2);border-radius:12px;padding:24px;margin-top:24px;text-align:center}
.sim-result .amount{font-size:32px;font-weight:900;color:var(--gold)}

/* CTA */
.cta{padding:60px 5%;background:var(--gradient);text-align:center}
.cta h2{font-size:clamp(24px,4vw,32px);font-weight:800;color:#0a0a0b;margin-bottom:12px}
.cta p{font-size:16px;color:rgba(10,10,11,0.7);margin-bottom:24px}
.btn-dark{background:#0a0a0b;color:var(--white);padding:14px 32px;border-radius:10px;font-weight:700;font-size:14px;text-decoration:none;display:inline-block}

/* FOOTER */
.footer{padding:60px 5% 30px;background:var(--bg);border-top:1px solid rgba(255,255,255,0.08)}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,0.08)}
.footer-brand p{color:var(--gray);font-size:13px;margin-top:16px;line-height:1.7;max-width:300px}
.footer h4{font-size:14px;font-weight:600;margin-bottom:20px;color:var(--gold)}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:12px}
.footer-links a{color:var(--gray);text-decoration:none;font-size:13px;transition:all .3s}
.footer-links a:hover{color:var(--gold)}
.footer-bottom{padding-top:30px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.footer-bottom p{font-size:12px;color:var(--gray)}
.footer-badges{display:flex;gap:16px}
.footer-badge{background:rgba(212,175,55,0.1);border:1px solid rgba(212,175,55,0.2);padding:8px 16px;border-radius:6px;font-size:11px;font-weight:600;color:var(--gold)}

/* RESPONSIVE */
@media(max-width:1024px){
  .nav-list{display:none}
  .menu-toggle{display:block}
  .contact-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .footer-top{grid-template-columns:1fr}
  .download-list li{flex-direction:column;align-items:flex-start}
}