:root{--ink:#1B2440;--navy:#1E2F5C;--navy2:#2E4377;--deep:#142042;--accent:#E8A317;--paper:#FBFAF7;--sand:#F1EFE7;--line:#E2E0D8;--muted:#4A5370;--muted2:#5A6280;--green:#2F5D3A}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:'Plus Jakarta Sans','Segoe UI',system-ui,sans-serif;line-height:1.6;font-size:1rem}
h1,h2,h3,.logo{font-family:'Bricolage Grotesque','Plus Jakarta Sans',sans-serif}
a{color:var(--navy)}a:hover{color:#0F1A38}
img{max-width:100%}
input,textarea,select,button{font-family:inherit}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{max-width:1200px;margin:0 auto}
section{padding:72px 24px}
.sand{background:var(--sand)}
.h2{margin:0;font-weight:800;font-size:clamp(1.9rem,3.5vw,2.7rem);letter-spacing:-.02em;line-height:1.1}
.lead{margin:12px 0 36px;color:var(--muted);max-width:44rem}

/* header */
header{background:var(--navy);color:#fff}
.nav{padding:18px 24px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.logo{text-decoration:none;color:#fff;font-weight:800;font-size:1.6rem;letter-spacing:-.02em}
.logo span{color:var(--accent);font-weight:700}
.logo:hover{color:#fff}
.nav nav{display:flex;flex-wrap:wrap;gap:4px 22px;font-size:.95rem;font-weight:500;align-items:center}
.nav nav a{color:#fff;text-decoration:none;padding:10px 0}
.nav nav a.cta{color:var(--ink);background:var(--accent);padding:10px 18px;border-radius:999px;font-weight:700}

/* hero */
.hero{background:var(--navy);color:#fff;padding:56px 24px 0}
.hero .wrap{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-end}
.hero-text{flex:1 1 440px;min-width:0;padding-bottom:64px}
.kicker{margin:0 0 16px;color:#C9D3EC}
.hero h1{margin:0;font-weight:800;font-size:clamp(2.4rem,5vw,4.2rem);line-height:1.02;letter-spacing:-.03em}
.hero-text>p.sub{margin:24px 0 0;font-size:1.15rem;max-width:34rem;color:#E3E8F5}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:10px;min-height:44px}
.btn-accent{background:var(--accent);color:var(--ink)}.btn-accent:hover{color:var(--ink)}
.btn-ghost{color:#fff;border:1.5px solid #8EA0CC;font-weight:600}.btn-ghost:hover{color:#fff;border-color:#fff}
.ladder-box{flex:1 1 420px;min-width:0}
.ladder-box p{margin:0 0 14px;font-size:.95rem;color:#C9D3EC}
.ladder{display:flex;align-items:flex-end;gap:12px}
.step{flex:1 1 0;min-width:0;border:none;border-radius:14px 14px 0 0;padding:16px 14px;text-align:left;display:flex;flex-direction:column;justify-content:flex-end;cursor:pointer;background:var(--navy2);color:#fff;transition:background .16s ease}
.step:hover{background:#3A5292}
.step[data-tier=kecil]{height:150px}.step[data-tier=menengah]{height:230px}.step[data-tier=besar]{height:320px}
.step[aria-pressed=true]{background:var(--accent);color:var(--ink)}
.step b{display:block;font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:1.35rem;line-height:1.1}
.step small{display:block;font-size:.9rem;margin-top:4px;font-weight:500}

/* ideas */
.ideas-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:32px}
.ideas-head>div{max-width:40rem}
.ideas-head p{margin:12px 0 0;color:var(--muted)}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pill{min-height:44px;padding:10px 18px;border-radius:999px;font-size:.95rem;font-weight:600;cursor:pointer;background:#fff;color:var(--navy);border:1.5px solid #B9B5A8}
.pill[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;display:flex;flex-direction:column;gap:10px}
.card[hidden]{display:none}
.card h3{margin:0;font-weight:700;font-size:1.3rem;line-height:1.2}
.card .modal{margin:0;font-weight:700;color:var(--navy)}
.card .desc{margin:0;color:var(--muted);font-size:.95rem}
.card .fund{margin:auto 0 0;padding-top:10px;border-top:1px dashed #D8D5CA;font-size:.9rem;color:var(--green);font-weight:600}
.note{margin:20px 0 0;font-size:.9rem;color:var(--muted2)}

/* funding */
.fund-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.fund-card{background:#fff;border-radius:14px;padding:26px;border-top:6px solid var(--navy)}
.fund-card.y{border-top-color:var(--accent)}.fund-card.g{border-top-color:var(--green)}
.fund-card h3{margin:0 0 8px;font-size:1.35rem}
.fund-card p{margin:0 0 12px;color:var(--muted)}.fund-card p:last-child{margin:0;color:var(--ink);font-size:.95rem}
.steps-box{margin-top:40px;background:var(--navy);color:#fff;border-radius:16px;padding:32px;display:flex;flex-wrap:wrap;gap:32px}
.steps-box>div{flex:1 1 280px}
.steps-box h3{margin:0 0 8px;font-size:1.5rem}
.steps-box p{margin:0;color:#C9D3EC}
.steps-box ol{flex:2 1 420px;margin:0;padding-left:1.3rem;display:flex;flex-direction:column;gap:10px}

/* article */
.art-wrap{display:flex;flex-wrap:wrap;gap:48px}
.article{flex:999 1 560px;min-width:0;max-width:46rem}
.article .tag{margin:0 0 10px;color:var(--green);font-weight:700}
.article h2{font-size:clamp(1.9rem,3.5vw,2.6rem);line-height:1.12}
.article .by{margin:12px 0 28px;color:var(--muted2);font-size:.95rem}
.body{font-size:1.05rem;line-height:1.75}
.body p{margin:0 0 18px}
.body h3{margin:30px 0 10px;font-size:1.45rem}
.summary{background:#FFF4D9;border-radius:12px;padding:20px 22px;margin-top:8px}
.summary p{margin:0}.summary p+p{margin-top:6px}
aside{flex:1 1 300px;min-width:0}
aside h3{margin:0 0 16px;font-size:1.35rem}
aside a{display:block;text-decoration:none;padding:14px 0;border-bottom:1px solid var(--line);color:var(--ink)}
aside a b{display:block;line-height:1.35}
aside a span{display:block;font-size:.9rem;color:var(--muted2);margin-top:4px}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px}
.svc{background:#fff;border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:8px}
.svc h3{margin:0;font-size:1.25rem}
.svc p{margin:0;color:var(--muted);font-size:.97rem}
.svc .price{margin:auto 0 0;padding-top:8px;font-weight:700;color:var(--navy)}

/* contact */
.contact{display:flex;flex-wrap:wrap;gap:48px}
.contact-info{flex:1 1 320px;min-width:0}
.contact-info .lead{margin:14px 0 28px}
.contact-info p{margin:0 0 16px;font-size:1.02rem}
form{flex:1.3 1 380px;min-width:0;background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;display:flex;flex-direction:column;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-weight:600}
.field input,.field select,.field textarea{padding:12px 14px;border:1.5px solid #C9C6BB;border-radius:10px;font-size:1rem;min-height:44px;background:#fff;color:var(--ink)}
.field textarea{resize:vertical}
.submit{background:var(--navy);color:#fff;border:none;border-radius:10px;padding:14px 20px;font-size:1rem;font-weight:700;min-height:48px;cursor:pointer}
.submit:hover{background:#0F1A38}
.form-msg{margin:0;font-size:.95rem;color:#8A2D10;min-height:1.2em}

/* footer */
footer{background:var(--deep);color:#C9D3EC;padding:40px 24px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;font-size:.93rem}
footer .logo{font-size:1.3rem}
footer p{margin:4px 0 0}
footer nav{display:flex;flex-wrap:wrap;gap:6px 20px}
footer nav a{color:#C9D3EC}
footer .disc{flex-basis:100%;font-size:.85rem;color:#9DAAD0;margin:0}
@media (max-width:520px){section{padding:56px 18px}.step b{font-size:1.1rem}.step[data-tier=kecil]{height:120px}.step[data-tier=menengah]{height:180px}.step[data-tier=besar]{height:240px}}