/* ── RESET & BASE ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --red:#BE2228;--red-dark:#8B1A1E;--red-mid:#C93337;
  --gold:#C9A84C;--gold-light:#E8C97A;--gold-dim:rgba(201,168,76,.15);
  --black:#0F0C0C;--gray-900:#1A1614;--gray-700:#3D3535;
  --gray-500:#6B6460;--gray-200:#E8E4E0;--gray-100:#F5F2EF;
  --white:#FFFFFF;
  --font-serif:'Playfair Display',Georgia,serif;
  --font-sans:'Inter',system-ui,sans-serif;
}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font-sans);color:var(--gray-900);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{text-decoration:none;color:inherit}

/* ── UTILITIES ── */
.serif{font-family:var(--font-serif)}
.label{font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--red)}
.label-gold{font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.fade-up{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.fade-up.visible{opacity:1;transform:none}

/* ── NAVBAR ── */
#navbar{
  position:fixed;top:0;left:0;right:0;z-index:200;
  display:flex;align-items:center;justify-content:space-between;
  padding:0 64px;height:72px;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(190,34,40,.08);
  transition:box-shadow .3s,background .3s;
}
#navbar.scrolled{box-shadow:0 2px 32px rgba(0,0,0,.1)}
.nav-brand img{height:52px;object-fit:contain}
.nav-menu{display:flex;align-items:center;gap:6px;list-style:none}
.nav-menu > li{position:relative}
.nav-menu > li > a{
  display:flex;align-items:center;gap:4px;
  padding:8px 14px;border-radius:4px;
  font-size:.875rem;font-weight:500;color:var(--gray-700);
  transition:color .2s,background .2s;
  white-space:nowrap;
}
.nav-menu > li > a:hover,.nav-menu > li.active > a{color:var(--red)}
.nav-menu > li > a .arrow{font-size:.6rem;transition:transform .2s}
.nav-menu > li:hover > a .arrow{transform:rotate(180deg)}

/* Dropdown */
.dropdown{
  position:absolute;top:calc(100% + 8px);left:0;
  background:#fff;border:1px solid var(--gray-200);
  border-radius:8px;box-shadow:0 8px 40px rgba(0,0,0,.12);
  min-width:220px;padding:8px;
  opacity:0;pointer-events:none;transform:translateY(-8px);
  transition:all .2s;z-index:100;
}
.nav-menu > li:hover .dropdown{opacity:1;pointer-events:all;transform:none}
.dropdown a{
  display:flex;align-items:center;gap:10px;
  padding:9px 14px;border-radius:6px;
  font-size:.85rem;color:var(--gray-700);
  transition:background .15s,color .15s;
}
.dropdown a:hover{background:rgba(190,34,40,.06);color:var(--red)}
.dropdown a .dd-icon{width:28px;height:28px;border-radius:6px;background:rgba(190,34,40,.08);display:flex;align-items:center;justify-content:center;font-size:.9rem;flex-shrink:0}

.nav-cta{
  background:var(--red);color:#fff;
  padding:9px 22px;border-radius:4px;
  font-size:.85rem;font-weight:600;letter-spacing:.02em;
  transition:background .2s,transform .15s;white-space:nowrap;
}
.nav-cta:hover{background:var(--red-dark);transform:translateY(-1px)}

/* ── HERO ── */
#hero{
  position:relative;min-height:100vh;
  display:flex;align-items:center;
  overflow:hidden;
}
.hero-bg{
  position:absolute;inset:0;z-index:0;
  display:grid;grid-template-columns:1fr 1fr 1fr;
}
.hero-bg-col{
  position:relative;overflow:hidden;
}
.hero-bg-col img{
  width:100%;height:100%;object-fit:cover;
  filter:blur(3px) brightness(.55);
  transform:scale(1.05);
}
.hero-overlay{
  position:absolute;inset:0;z-index:1;
  background:linear-gradient(135deg,
    rgba(140,26,30,.92) 0%,
    rgba(190,34,40,.78) 40%,
    rgba(15,12,12,.88) 100%);
}
.hero-content{
  position:relative;z-index:2;
  max-width:760px;
  padding:140px 64px 100px;
  color:#fff;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(201,168,76,.15);
  border:1px solid rgba(201,168,76,.35);
  padding:6px 16px;border-radius:4px;
  margin-bottom:28px;
  font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gold-light);
}
.hero-eyebrow::before{content:'';width:20px;height:1px;background:var(--gold);}
.hero-h1{
  font-family:var(--font-serif);
  font-size:clamp(2.4rem,4.5vw,4rem);
  font-weight:900;line-height:1.1;
  margin-bottom:24px;
  letter-spacing:-.01em;
}
.hero-h1 em{font-style:normal;color:var(--gold-light)}
.hero-sub{
  font-size:1.05rem;font-weight:300;line-height:1.75;
  color:rgba(255,255,255,.78);
  max-width:520px;margin-bottom:40px;
}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:56px}
.btn-red{
  background:var(--red);color:#fff;
  padding:14px 32px;border-radius:4px;
  font-size:.9rem;font-weight:600;
  display:inline-flex;align-items:center;gap:8px;
  transition:all .2s;
}
.btn-red:hover{background:var(--red-dark);transform:translateY(-2px);box-shadow:0 8px 24px rgba(140,26,30,.4)}
.btn-outline-white{
  border:1.5px solid rgba(255,255,255,.4);color:#fff;
  padding:13px 28px;border-radius:4px;
  font-size:.9rem;font-weight:500;
  transition:all .2s;
}
.btn-outline-white:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.hero-stats{
  display:flex;gap:48px;
  padding-top:32px;border-top:1px solid rgba(255,255,255,.12);
}
.hero-stat-num{
  font-family:var(--font-serif);font-size:2.2rem;font-weight:900;
  color:var(--gold-light);line-height:1;
}
.hero-stat-label{font-size:.72rem;color:rgba(255,255,255,.55);margin-top:4px;letter-spacing:.06em;text-transform:uppercase}

/* ── TRUST BAR ── */
#trustbar{
  background:var(--gray-900);
  padding:18px 64px;
  display:flex;align-items:center;justify-content:center;gap:48px;
  flex-wrap:wrap;
}
.trustbar-item{
  display:flex;align-items:center;gap:8px;
  font-size:.78rem;color:rgba(255,255,255,.5);
  font-weight:500;letter-spacing:.04em;
}
.trustbar-item svg{opacity:.5;flex-shrink:0}
.trustbar-divider{width:1px;height:16px;background:rgba(255,255,255,.12)}

/* ── SECTION COMMON ── */
.section{padding:100px 64px}
.section-sm{padding:64px 64px}
.section-inner{max-width:1200px;margin:0 auto}
.section-header{margin-bottom:56px}
.section-title{
  font-family:var(--font-serif);
  font-size:clamp(1.8rem,3vw,2.6rem);
  font-weight:800;color:var(--gray-900);
  line-height:1.2;margin-top:10px;margin-bottom:14px;
}
.section-sub{font-size:.95rem;color:var(--gray-500);line-height:1.8;max-width:540px}

/* ── TENTANG KAMI ── */
#tentang{position:relative;overflow:hidden}
.tentang-bg{
  position:absolute;inset:0;z-index:0;
}
.tentang-bg img{
  width:100%;height:100%;object-fit:cover;
  filter:blur(18px) brightness(.25);
  transform:scale(1.1);
}
.tentang-overlay{position:absolute;inset:0;background:rgba(255,255,255,.92);z-index:1}
.tentang-grid{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center;
}
.tentang-ojk-badge{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(201,168,76,.08);
  border:1px solid rgba(201,168,76,.25);
  padding:10px 18px;border-radius:4px;
  margin-bottom:24px;
}
.tentang-ojk-badge img{height:32px;object-fit:contain}
.tentang-ojk-badge span{font-size:.78rem;font-weight:600;color:var(--gray-700);line-height:1.4}
.tentang-body{font-size:.95rem;color:var(--gray-500);line-height:1.85;margin-bottom:16px}
.tentang-quote{
  border-left:3px solid var(--gold);
  padding:16px 20px;
  background:rgba(201,168,76,.06);
  border-radius:0 6px 6px 0;
  margin-top:28px;
  font-size:.88rem;font-style:italic;color:var(--gray-700);line-height:1.7;
}
.tentang-visual{
  display:flex;flex-direction:column;gap:20px;
}
.tentang-logos{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
}
.tentang-logo-card{
  background:#fff;border:1px solid var(--gray-200);
  border-radius:8px;padding:24px 20px;
  display:flex;flex-direction:column;align-items:center;gap:12px;
  transition:all .3s;
}
.tentang-logo-card:hover{border-color:var(--gold);box-shadow:0 4px 20px rgba(201,168,76,.12);transform:translateY(-2px)}
.tentang-logo-card img{height:48px;object-fit:contain}
.tentang-logo-card span{font-size:.72rem;font-weight:600;color:var(--gray-500);text-align:center;line-height:1.4}
.tentang-stat-row{
  display:flex;gap:0;border:1px solid var(--gray-200);border-radius:8px;overflow:hidden;
}
.tentang-stat{
  flex:1;padding:20px 16px;text-align:center;
  border-right:1px solid var(--gray-200);
  background:#fff;
}
.tentang-stat:last-child{border-right:none}
.tentang-stat-n{font-family:var(--font-serif);font-size:1.8rem;font-weight:900;color:var(--red)}
.tentang-stat-l{font-size:.68rem;color:var(--gray-500);margin-top:3px;letter-spacing:.04em;text-transform:uppercase}

/* ── LAYANAN ── */
#layanan{background:var(--gray-100)}
.layanan-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:2px;
  background:var(--gray-200);
  border-radius:12px;overflow:hidden;
}
.layanan-card{
  background:#fff;padding:36px 28px;
  position:relative;cursor:pointer;
  transition:all .25s;
}
.layanan-card::after{
  content:'';position:absolute;bottom:0;left:0;right:0;height:3px;
  background:var(--red);transform:scaleX(0);transition:transform .25s;transform-origin:left;
}
.layanan-card:hover{background:var(--gray-100);transform:translateY(-3px);z-index:1;box-shadow:0 12px 40px rgba(0,0,0,.08)}
.layanan-card:hover::after{transform:scaleX(1)}
.layanan-icon{
  width:52px;height:52px;border-radius:10px;
  background:rgba(190,34,40,.07);
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;margin-bottom:20px;
}
.layanan-name{
  font-family:var(--font-serif);font-size:1rem;font-weight:700;
  color:var(--gray-900);margin-bottom:10px;line-height:1.3;
}
.layanan-desc{font-size:.82rem;color:var(--gray-500);line-height:1.65;margin-bottom:14px}
.layanan-tags{display:flex;gap:5px;flex-wrap:wrap}
.tag{
  font-size:.68rem;font-weight:600;padding:3px 8px;border-radius:20px;
  background:rgba(190,34,40,.07);color:var(--red);
}
.tag-green{background:rgba(34,139,34,.07);color:#1a6b1a}

/* ── ASURANSI STRIP ── */
#asuransi{
  background:linear-gradient(135deg,var(--red-dark),var(--red));
  padding:40px 64px;
  display:flex;align-items:center;justify-content:space-between;
  gap:32px;flex-wrap:wrap;
}
.asuransi-text h3{font-family:var(--font-serif);font-size:1.4rem;font-weight:800;color:#fff;margin-bottom:6px}
.asuransi-text p{font-size:.88rem;color:rgba(255,255,255,.7);max-width:440px;line-height:1.6}
.asuransi-logos{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.asuransi-logo{
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);
  border-radius:6px;padding:10px 20px;
  font-size:.88rem;font-weight:700;color:#fff;
  display:flex;align-items:center;gap:8px;
}
.asuransi-cta{
  background:#fff;color:var(--red);
  padding:12px 24px;border-radius:4px;
  font-size:.88rem;font-weight:700;
  transition:all .2s;white-space:nowrap;
}
.asuransi-cta:hover{background:var(--gray-100);transform:translateY(-1px)}

/* ── MITRA ── */
#mitra{background:var(--white)}
.mitra-utama{
  display:grid;grid-template-columns:1fr 1fr;gap:28px;
  margin-bottom:60px;
}
.mitra-utama-card{
  background:var(--gray-100);border-radius:12px;
  padding:48px 40px;
  display:flex;align-items:center;gap:32px;
  border:2px solid transparent;
  transition:all .3s;
  position:relative;overflow:hidden;
}
.mitra-utama-card::before{
  content:'⭐ PENDIRI';
  position:absolute;top:16px;right:16px;
  font-size:.65rem;font-weight:700;letter-spacing:.1em;
  color:var(--gold);background:rgba(201,168,76,.12);
  border:1px solid rgba(201,168,76,.25);
  padding:3px 10px;border-radius:20px;
}
.mitra-utama-card:hover{border-color:var(--gold);box-shadow:0 8px 40px rgba(201,168,76,.12)}
.mitra-utama-logo{
  width:90px;height:90px;border-radius:50%;overflow:hidden;flex-shrink:0;
  background:#fff;display:flex;align-items:center;justify-content:center;
  padding:8px;border:3px solid var(--gold-dim);
}
.mitra-utama-logo img{width:100%;height:100%;object-fit:contain}
.mitra-utama-info h3{font-family:var(--font-serif);font-size:1.1rem;font-weight:800;color:var(--gray-900);margin-bottom:6px}
.mitra-utama-info p{font-size:.82rem;color:var(--gray-500);line-height:1.6}

.mitra-divider{
  display:flex;align-items:center;gap:16px;margin-bottom:40px;
}
.mitra-divider-line{flex:1;height:1px;background:var(--gray-200)}
.mitra-divider span{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gray-500);white-space:nowrap}

/* OJK Carousel */
.ojk-section{margin-bottom:48px}
.ojk-section-label{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:16px;display:flex;align-items:center;gap:8px}
.ojk-section-label::after{content:'';flex:1;height:1px;background:rgba(190,34,40,.15)}
.ojk-scroll{
  display:flex;gap:12px;overflow-x:auto;padding-bottom:8px;
  scrollbar-width:none;
}
.ojk-scroll::-webkit-scrollbar{display:none}
.ojk-chip{
  flex-shrink:0;
  display:flex;flex-direction:column;align-items:center;gap:6px;
  background:var(--gray-100);border:1px solid var(--gray-200);
  border-radius:8px;padding:12px 14px;
  transition:all .2s;cursor:default;min-width:90px;
}
.ojk-chip:hover{border-color:var(--red);background:#fff}
.ojk-chip img{height:28px;object-fit:contain}
.ojk-chip span{font-size:.65rem;font-weight:600;color:var(--gray-500);text-align:center;line-height:1.3;white-space:nowrap}

/* Partner logos scroll */
.partner-scroll{display:flex;gap:12px;flex-wrap:wrap}
.partner-logo-item{
  display:flex;flex-direction:column;align-items:center;gap:8px;
  transition:transform .2s;cursor:default;
}
.partner-logo-item:hover{transform:translateY(-3px)}
.partner-logo-box{
  width:100px;height:60px;background:var(--gray-100);
  border:1px solid var(--gray-200);border-radius:8px;
  display:flex;align-items:center;justify-content:center;padding:8px;
  transition:border-color .2s;
}
.partner-logo-item:hover .partner-logo-box{border-color:var(--red)}
.partner-logo-box img{max-height:40px;max-width:80px;object-fit:contain}
.partner-logo-item > span{font-size:.62rem;font-weight:600;color:var(--gray-500);text-align:center;max-width:100px;line-height:1.3}

/* ── GALERI ── */
#galeri{background:var(--gray-100)}
.galeri-filters{
  display:flex;gap:8px;flex-wrap:wrap;margin-bottom:32px;
}
.galeri-filter{
  padding:7px 18px;border-radius:20px;
  font-size:.8rem;font-weight:600;
  border:1.5px solid var(--gray-200);color:var(--gray-500);
  background:#fff;cursor:pointer;transition:all .2s;
}
.galeri-filter:hover,.galeri-filter.active{
  background:var(--red);color:#fff;border-color:var(--red);
}
.galeri-masonry{
  columns:4;column-gap:12px;
}
.galeri-item{
  break-inside:avoid;margin-bottom:12px;
  position:relative;border-radius:8px;overflow:hidden;cursor:pointer;
}
.galeri-item img{width:100%;display:block;transition:transform .4s}
.galeri-overlay{
  position:absolute;inset:0;
  background:linear-gradient(transparent 40%,rgba(0,0,0,.75));
  opacity:0;transition:opacity .3s;
  display:flex;align-items:flex-end;padding:16px;
}
.galeri-overlay span{
  font-size:.78rem;font-weight:600;color:#fff;line-height:1.4;
}
.galeri-item:hover img{transform:scale(1.05)}
.galeri-item:hover .galeri-overlay{opacity:1}

/* ── LIGHTBOX ── */
#lightbox{
  display:none;position:fixed;inset:0;
  background:rgba(0,0,0,.95);z-index:999;
  align-items:center;justify-content:center;
  flex-direction:column;gap:16px;
}
#lightbox.open{display:flex}
#lightbox img{max-width:90vw;max-height:85vh;object-fit:contain;border-radius:4px}
#lightbox-close{
  position:absolute;top:20px;right:24px;
  color:#fff;font-size:1.8rem;cursor:pointer;opacity:.7;
  transition:opacity .2s;line-height:1;
}
#lightbox-close:hover{opacity:1}
#lightbox-caption{font-size:.82rem;color:rgba(255,255,255,.6)}

/* ── KOMITMEN ── */
#komitmen{
  background:var(--gray-900);
  text-align:center;padding:100px 64px;
  position:relative;overflow:hidden;
}
#komitmen::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse at center,rgba(190,34,40,.15) 0%,transparent 70%);
  pointer-events:none;
}
.komitmen-quote{
  font-family:var(--font-serif);
  font-size:clamp(1.6rem,3vw,2.8rem);
  font-weight:900;color:#fff;
  line-height:1.3;max-width:800px;margin:0 auto 24px;
  position:relative;z-index:1;
}
.komitmen-quote em{font-style:normal;color:var(--gold-light)}
.komitmen-sub{
  font-size:.9rem;color:rgba(255,255,255,.5);
  max-width:480px;margin:0 auto 40px;line-height:1.7;
  position:relative;z-index:1;
}
.komitmen-values{
  display:flex;gap:24px;justify-content:center;flex-wrap:wrap;
  position:relative;z-index:1;
}
.komitmen-value{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);
  border-radius:8px;padding:20px 28px;
  display:flex;flex-direction:column;align-items:center;gap:8px;
  min-width:160px;
}
.komitmen-value-icon{font-size:1.5rem}
.komitmen-value-label{font-size:.82rem;font-weight:600;color:#fff}
.komitmen-value-sub{font-size:.72rem;color:rgba(255,255,255,.4)}

/* ── KONTAK ── */
#kontak{
  position:relative;overflow:hidden;
  background:var(--gray-900);
}
.kontak-bg{position:absolute;inset:0;z-index:0}
.kontak-bg img{width:100%;height:100%;object-fit:cover;filter:blur(20px) brightness(.15);transform:scale(1.1)}
.kontak-overlay{position:absolute;inset:0;background:rgba(15,12,12,.85);z-index:1}
.kontak-grid{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;
}
.kontak-title{font-family:var(--font-serif);font-size:clamp(2rem,3vw,2.8rem);font-weight:900;color:#fff;margin-bottom:16px;line-height:1.2}
.kontak-sub{color:rgba(255,255,255,.5);font-size:.95rem;line-height:1.7;margin-bottom:36px}
.kontak-btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-wa{
  background:#25D366;color:#fff;
  padding:14px 28px;border-radius:4px;
  font-weight:700;font-size:.9rem;
  display:inline-flex;align-items:center;gap:10px;
  transition:all .2s;
}
.btn-wa:hover{background:#1ebe5a;transform:translateY(-1px)}
.kontak-info{display:flex;flex-direction:column;gap:24px}
.kontak-row{}
.kontak-row-label{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:6px}
.kontak-row-val{font-size:.9rem;color:rgba(255,255,255,.8);line-height:1.6}
.kontak-row-val a{color:#fff;border-bottom:1px solid rgba(255,255,255,.2);transition:border-color .2s}
.kontak-row-val a:hover{border-color:#fff}
.kontak-divider{height:1px;background:rgba(255,255,255,.07)}

/* ── FOOTER ── */
footer{
  background:var(--black);
  padding:56px 64px 32px;
}
.footer-top{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;
  padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.06);
  margin-bottom:28px;
}
.footer-brand img{height:44px;object-fit:contain;margin-bottom:16px}
.footer-brand p{font-size:.82rem;color:rgba(255,255,255,.35);line-height:1.7;max-width:260px}
.footer-col h4{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:16px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-col ul li a{font-size:.82rem;color:rgba(255,255,255,.35);transition:color .2s}
.footer-col ul li a:hover{color:#fff}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.footer-copy{font-size:.75rem;color:rgba(255,255,255,.2)}
.footer-links{display:flex;gap:20px}
.footer-links a{font-size:.75rem;color:rgba(255,255,255,.2);transition:color .2s}
.footer-links a:hover{color:rgba(255,255,255,.5)}

/* ── CHATBOT ── */
#chat-fab{
  position:fixed;bottom:28px;right:28px;z-index:999;
  width:58px;height:58px;border-radius:50%;
  background:linear-gradient(135deg,var(--red),var(--red-dark));
  box-shadow:0 4px 20px rgba(190,34,40,.4);
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;border:none;transition:all .3s;
}
#chat-fab:hover{transform:scale(1.08)}
#chat-fab svg{width:26px;height:26px;fill:#fff;transition:all .2s}
#chat-badge{position:absolute;top:-3px;right:-3px;background:#25D366;color:#fff;width:18px;height:18px;border-radius:50%;font-size:.6rem;font-weight:700;display:flex;align-items:center;justify-content:center;border:2px solid #fff}
#chat-window{position:fixed;bottom:98px;right:28px;z-index:998;width:350px;height:500px;background:#fff;border-radius:16px;box-shadow:0 8px 48px rgba(0,0,0,.18);display:flex;flex-direction:column;overflow:hidden;transform:scale(.92) translateY(20px);opacity:0;pointer-events:none;transition:all .3s cubic-bezier(.34,1.56,.64,1);border:1px solid rgba(190,34,40,.1)}
#chat-window.open{transform:scale(1) translateY(0);opacity:1;pointer-events:all}
#chat-header{background:linear-gradient(135deg,var(--red-dark),var(--red));padding:14px 18px;display:flex;align-items:center;gap:10px;flex-shrink:0}
#chat-header-avatar{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
#chat-header-name{font-size:.88rem;font-weight:700;color:#fff}
#chat-header-status{font-size:.68rem;color:rgba(255,255,255,.65);display:flex;align-items:center;gap:4px}
#chat-header-status::before{content:'';width:5px;height:5px;background:#25D366;border-radius:50%;display:inline-block}
#chat-messages{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;background:#F9F6F3}
#chat-messages::-webkit-scrollbar{width:3px}
#chat-messages::-webkit-scrollbar-thumb{background:#E0DCDC;border-radius:2px}
.msg{max-width:82%;display:flex;flex-direction:column;gap:3px}
.msg.bot{align-self:flex-start}.msg.user{align-self:flex-end}
.msg-bubble{padding:9px 13px;border-radius:12px;font-size:.82rem;line-height:1.55}
.msg.bot .msg-bubble{background:#fff;color:#1A1614;border-bottom-left-radius:3px;box-shadow:0 1px 4px rgba(0,0,0,.06)}
.msg.user .msg-bubble{background:linear-gradient(135deg,var(--red),var(--red-dark));color:#fff;border-bottom-right-radius:3px}
.msg-time{font-size:.6rem;color:#AAA;padding:0 4px}
.msg.user .msg-time{text-align:right}
.typing-bubble{background:#fff;padding:10px 14px;border-radius:12px;border-bottom-left-radius:3px;box-shadow:0 1px 4px rgba(0,0,0,.06);display:flex;gap:4px;align-items:center}
.typing-dot{width:6px;height:6px;background:var(--red);border-radius:50%;animation:td 1.2s infinite}
.typing-dot:nth-child(2){animation-delay:.2s}.typing-dot:nth-child(3){animation-delay:.4s}
@keyframes td{0%,60%,100%{transform:translateY(0);opacity:.4}30%{transform:translateY(-5px);opacity:1}}
#quick-replies{padding:8px 14px 4px;display:flex;gap:6px;flex-wrap:wrap;background:#F9F6F3;flex-shrink:0;border-top:1px solid #EDE8E3}
.quick-btn{background:#fff;border:1.5px solid rgba(190,34,40,.2);color:var(--red);padding:4px 10px;border-radius:16px;font-size:.72rem;font-weight:600;cursor:pointer;transition:all .2s}
.quick-btn:hover{background:var(--red);color:#fff;border-color:var(--red)}
#chat-input-area{padding:10px 14px;background:#fff;display:flex;gap:8px;align-items:center;border-top:1px solid #EDE8E3;flex-shrink:0}
#chat-input{flex:1;border:1.5px solid #EDE8E3;border-radius:20px;padding:8px 14px;font-size:.82rem;outline:none;font-family:var(--font-sans);transition:border .2s;background:#F9F6F3}
#chat-input:focus{border-color:var(--red);background:#fff}
#chat-send{width:34px;height:34px;border-radius:50%;background:var(--red);border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .2s;flex-shrink:0}
#chat-send:hover{background:var(--red-dark);transform:scale(1.05)}
#chat-send svg{width:16px;height:16px;fill:#fff}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .layanan-grid{grid-template-columns:repeat(2,1fr)}
  .galeri-masonry{columns:3}
}
@media(max-width:900px){
  #navbar{padding:0 24px;height:64px}
  .nav-menu,.nav-cta{display:none}
  .hero-content{padding:100px 24px 80px}
  .hero-stats{gap:28px}
  .section,.section-sm{padding:64px 24px}
  .tentang-grid,.kontak-grid,.mitra-utama{grid-template-columns:1fr}
  .tentang-visual{display:none}
  .layanan-grid{grid-template-columns:1fr}
  .galeri-masonry{columns:2}
  .footer-top{grid-template-columns:1fr 1fr}
  #trustbar{padding:16px 24px;gap:20px}
  #asuransi{padding:32px 24px;flex-direction:column}
  #chat-window{width:calc(100vw - 32px);right:16px}
  #chat-fab{right:16px;bottom:16px}
  .komitmen-values{gap:12px}
  footer{padding:40px 24px 24px}
}
@media(max-width:600px){
  .galeri-masonry{columns:1}
  .hero-h1{font-size:2.2rem}
  .footer-top{grid-template-columns:1fr}
  .mitra-utama-card{flex-direction:column;text-align:center}
  .hero-stats{flex-wrap:wrap;gap:20px}
}