:root {
  --apb-primary: #1f2b88;
  --apb-primary-dark: #111957;
  --apb-primary-soft: #eef2ff;
  --apb-secondary: #d9ae42;
  --apb-secondary-soft: #fff6da;
  --apb-accent: #14a66a;
  --apb-dark: #101828;
  --apb-body: #344054;
  --apb-muted: #667085;
  --apb-soft: #f6f8fd;
  --apb-line: #e4e8f2;
  --apb-white: #ffffff;
  --apb-shadow: 0 20px 54px rgba(16, 24, 40, .10);
  --apb-shadow-soft: 0 12px 34px rgba(16, 24, 40, .07);
  --apb-radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Poppins', Arial, sans-serif;
  color: var(--apb-body);
  background: #fff;
  font-size: 15px;
  line-height: 1.72;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
a:hover { color: var(--apb-primary); text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
.container { max-width: 1180px; }

.section-padding { padding: 86px 0; }
.section-soft { background: var(--apb-soft); }
.section-heading { max-width: 760px; margin: 0 auto 40px; text-align: center; }
.section-heading h2,
.section-title,
.hero-title {
  color: var(--apb-dark);
  font-weight: 800;
  letter-spacing: -0.035em;
  line-height: 1.16;
}
.section-heading h2 { margin: 14px 0 12px; font-size: clamp(28px, 3.2vw, 42px); }
.section-heading p { color: var(--apb-muted); margin: 0; }
.section-title { font-size: clamp(28px, 3vw, 40px); margin: 14px 0 16px; }
.text-left { text-align: left !important; }
.text-muted-apb { color: var(--apb-muted); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  max-width: 100%;
  padding: 7px 13px;
  border-radius: 999px;
  background: rgba(31, 43, 136, .08);
  color: var(--apb-primary);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.eyebrow.light { background: rgba(255,255,255,.15); color: #fff; }

.btn-apb,
.btn-apb-outline,
.btn-apb-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 12px 21px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  border: 1px solid transparent;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease;
  white-space: nowrap;
}
.btn-apb {
  color: #fff;
  background: linear-gradient(135deg, var(--apb-primary), #3144d6);
  box-shadow: 0 12px 24px rgba(31, 43, 136, .22);
}
.btn-apb:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 16px 30px rgba(31, 43, 136, .28); }
.btn-apb-outline { color: var(--apb-primary); background: #fff; border-color: rgba(31,43,136,.20); }
.btn-apb-outline:hover { color: var(--apb-primary); background: var(--apb-primary-soft); border-color: rgba(31,43,136,.28); }
.btn-apb-gold { color: #1c1404; background: linear-gradient(135deg, #f8da7c, var(--apb-secondary)); box-shadow: 0 12px 24px rgba(217,174,66,.24); }
.btn-apb-gold:hover { color: #1c1404; transform: translateY(-2px); box-shadow: 0 16px 30px rgba(217,174,66,.30); }
.btn-nav { min-height: 42px; padding: 10px 17px; font-size: 13px; }

.topbar {
  background: linear-gradient(90deg, var(--apb-primary-dark), var(--apb-primary));
  color: rgba(255,255,255,.90);
  font-size: 12px;
  line-height: 1.4;
  padding: 7px 0;
}
.topbar-inner,
.topbar > .container { display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; white-space: nowrap; }
.topbar a { color: #fff; font-weight: 700; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(228,232,242,.90);
  box-shadow: 0 8px 22px rgba(16,24,40,.04);
}
.navbar { padding: 12px 0; }
.nav-container { gap: 18px; }
.navbar-brand { padding: 0; margin-right: 26px; }
.navbar-brand img { width: 176px; max-height: 62px; object-fit: contain; }
.navbar-light .navbar-nav .nav-link {
  color: #24304b;
  font-weight: 700;
  font-size: 13px;
  padding: 10px 9px;
  line-height: 1.2;
}
.navbar-light .navbar-nav .nav-link:hover,
.navbar-light .navbar-nav .nav-link:focus { color: var(--apb-primary); }
.navbar-toggler { border: 0; padding: 6px; }
.navbar-toggler:focus { outline: none; box-shadow: none; }

.hero {
  position: relative;
  padding: 72px 0 54px;
  overflow: hidden;
  background:
    radial-gradient(circle at 82% 10%, rgba(217,174,66,.16), transparent 28%),
    linear-gradient(135deg, #f8faff 0%, #eef2ff 48%, #ffffff 100%);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(31,43,136,.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(31,43,136,.045) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: linear-gradient(to bottom, black 0%, transparent 82%);
}
.hero .container { position: relative; z-index: 2; }
.hero-title { margin: 18px 0; font-size: clamp(36px, 4.6vw, 58px); max-width: 660px; }
.hero-lead { color: var(--apb-muted); font-size: 17px; max-width: 610px; margin-bottom: 25px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }
.trust-list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; max-width: 650px; }
.trust-pill {
  display: flex;
  align-items: center;
  gap: 9px;
  min-height: 50px;
  padding: 11px 13px;
  background: rgba(255,255,255,.82);
  border: 1px solid rgba(31,43,136,.10);
  border-radius: 16px;
  box-shadow: 0 8px 24px rgba(16,24,40,.05);
  font-size: 12px;
  color: #344054;
  font-weight: 700;
}
.trust-pill i { color: var(--apb-secondary); flex: 0 0 auto; }

.hero-visual { position: relative; max-width: 520px; margin-left: auto; }
.hero-main-card {
  position: relative;
  overflow: hidden;
  border-radius: 30px;
  background: #fff;
  border: 1px solid var(--apb-line);
  box-shadow: var(--apb-shadow);
  padding: 16px;
}
.hero-main-card > img { width: 100%; height: 390px; object-fit: cover; object-position: center; border-radius: 22px; background: #eef2ff; }
.hero-info-card {
  position: absolute;
  left: 30px;
  top: 30px;
  max-width: 230px;
  padding: 14px 16px;
  border-radius: 16px;
  background: rgba(255,255,255,.94);
  border: 1px solid rgba(228,232,242,.92);
  box-shadow: 0 16px 34px rgba(16,24,40,.12);
}
.hero-info-card span { display: block; color: var(--apb-muted); font-size: 11px; font-weight: 700; margin-bottom: 4px; }
.hero-info-card strong { display: block; color: var(--apb-primary); font-size: 15px; line-height: 1.32; }
.hero-product-card {
  position: absolute;
  right: -6px;
  bottom: -30px;
  width: 330px;
  display: grid;
  grid-template-columns: 86px 1fr;
  gap: 14px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--apb-line);
  border-radius: 22px;
  padding: 13px;
  box-shadow: 0 22px 44px rgba(16,24,40,.14);
}
.hero-product-card img { width: 86px; height: 92px; object-fit: cover; border-radius: 16px; }
.hero-product-card strong { display: block; color: var(--apb-dark); font-size: 15px; font-weight: 800; margin-bottom: 3px; }
.hero-product-card span { display: block; color: var(--apb-muted); font-size: 12px; line-height: 1.45; }

.stats-box {
  position: relative;
  margin-top: 66px;
  background: #fff;
  border-radius: 22px;
  box-shadow: var(--apb-shadow-soft);
  border: 1px solid var(--apb-line);
  padding: 22px;
}
.stat-item { height: 100%; padding: 8px 14px; border-right: 1px solid var(--apb-line); }
.stats-box .row > div:last-child .stat-item { border-right: 0; }
.stat-number { color: var(--apb-primary); font-size: clamp(24px, 2.4vw, 32px); font-weight: 800; line-height: 1.12; letter-spacing: -.02em; overflow-wrap: anywhere; }
.stat-label { margin-top: 5px; color: var(--apb-muted); font-size: 13px; font-weight: 700; }

.about-visual {
  position: relative;
  border-radius: 30px;
  padding: 18px;
  background: linear-gradient(135deg, #fff, #eef2ff);
  border: 1px solid var(--apb-line);
  box-shadow: var(--apb-shadow);
}
.about-visual img { width: 100%; border-radius: 22px; object-fit: contain; }
.about-note {
  position: absolute;
  right: -8px;
  bottom: 28px;
  max-width: 280px;
  background: var(--apb-primary);
  color: #fff;
  padding: 18px 20px;
  border-radius: 18px;
  box-shadow: 0 18px 38px rgba(31,43,136,.24);
}
.about-note strong { display: block; font-size: 17px; margin-bottom: 5px; }
.about-note span { color: rgba(255,255,255,.78); font-size: 13px; }
.check-list { list-style: none; padding: 0; margin: 24px 0 0; }
.check-list li { display: flex; gap: 12px; margin-bottom: 12px; color: #344054; }
.check-list i { color: var(--apb-accent); margin-top: 5px; }

.card-apb,
.service-highlight,
.process-step,
.sim-card,
.contact-box {
  height: 100%;
  background: #fff;
  border: 1px solid var(--apb-line);
  border-radius: var(--apb-radius);
  box-shadow: var(--apb-shadow-soft);
}
.card-apb,
.service-highlight,
.process-step { padding: 26px; }
.card-apb { transition: transform .22s ease, box-shadow .22s ease; }
.card-apb:hover { transform: translateY(-5px); box-shadow: var(--apb-shadow); }
.icon-box {
  width: 56px;
  height: 56px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 18px;
  background: rgba(31,43,136,.09);
  color: var(--apb-primary);
  font-size: 23px;
  margin-bottom: 17px;
}
.card-apb h3,
.service-highlight h3,
.process-step h3 { font-size: 20px; font-weight: 800; margin-bottom: 10px; color: var(--apb-dark); }
.card-apb p,
.service-highlight p,
.process-step p { color: var(--apb-muted); margin: 0; }
.service-highlight .btn-apb-outline { margin-top: 22px; }

.product-card {
  position: relative;
  overflow: hidden;
  min-height: 404px;
  display: flex;
  align-items: flex-end;
  border-radius: 26px;
  box-shadow: var(--apb-shadow);
  background: #101828;
}
.product-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .28s ease; }
.product-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(16,24,40,.04), rgba(16,24,40,.86)); }
.product-card:hover img { transform: scale(1.04); }
.product-content { position: relative; z-index: 2; color: #fff; padding: 27px; }
.product-content h3 { font-weight: 800; font-size: 24px; margin-bottom: 9px; }
.product-content p { color: rgba(255,255,255,.84); margin-bottom: 18px; }
.product-tag { display: inline-flex; padding: 7px 12px; background: rgba(255,255,255,.14); color: #fff; border-radius: 999px; font-weight: 800; font-size: 11px; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .05em; }

.payment-section { padding: 72px 0; background: #fff; }
.payment-panel {
  position: relative;
  overflow: hidden;
  color: #fff;
  border-radius: 30px;
  padding: 46px;
  background:
    radial-gradient(circle at 88% 0%, rgba(217,174,66,.30), transparent 28%),
    linear-gradient(135deg, var(--apb-primary-dark), var(--apb-primary));
  box-shadow: var(--apb-shadow);
}
.payment-panel h2 { color: #fff; font-weight: 800; letter-spacing: -.035em; line-height: 1.16; font-size: clamp(28px, 3.4vw, 42px); margin: 16px 0; }
.payment-panel p { color: rgba(255,255,255,.80); margin: 0; }
.merchant-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.merchant-card {
  background: rgba(255,255,255,.11);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 22px;
  padding: 22px 18px;
  min-height: 170px;
}
.merchant-card i { width: 48px; height: 48px; display: inline-flex; align-items: center; justify-content: center; border-radius: 16px; background: rgba(255,255,255,.14); color: var(--apb-secondary); font-size: 23px; margin-bottom: 14px; }
.merchant-card strong { display: block; color: #fff; font-size: 20px; font-weight: 800; margin-bottom: 6px; }
.merchant-card span { display: block; color: rgba(255,255,255,.75); font-size: 13px; line-height: 1.5; }
.payment-note { font-size: 12px; margin-top: 15px !important; color: rgba(255,255,255,.64) !important; }

.process-row { position: relative; }
.process-step { position: relative; }
.step-number { width: 44px; height: 44px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; background: var(--apb-primary); color: #fff; font-weight: 800; margin-bottom: 15px; box-shadow: 0 10px 20px rgba(31,43,136,.22); }

.legal-section {
  background: linear-gradient(135deg, var(--apb-primary-dark), var(--apb-primary));
  color: #fff;
  overflow: hidden;
  position: relative;
}
.legal-section::before { content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%; background: rgba(217,174,66,.16); right: -170px; top: -200px; }
.legal-section::after { content: ""; position: absolute; width: 360px; height: 360px; border-radius: 50%; background: rgba(255,255,255,.08); left: -130px; bottom: -160px; }
.legal-section .container { position: relative; z-index: 2; }
.legal-heading h2,
.legal-heading p { color: #fff; }
.legal-card {
  position: relative;
  z-index: 2;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 30px;
  padding: 26px;
  backdrop-filter: blur(10px);
}
.certificate-frame { background: #fff; border-radius: 22px; padding: 10px; box-shadow: 0 24px 60px rgba(0,0,0,.24); }
.certificate-frame img { border-radius: 14px; width: 100%; }
.legal-card h3 { font-size: 26px; font-weight: 800; color: #fff; margin-bottom: 18px; }
.legal-table { margin: 0; }
.legal-table li { display: flex; justify-content: space-between; gap: 20px; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.16); }
.legal-table li:last-child { border-bottom: 0; }
.legal-table span { color: rgba(255,255,255,.70); }
.legal-table strong { color: #fff; text-align: right; max-width: 60%; }
.legal-reminder { margin: 22px 0 0; color: rgba(255,255,255,.76); }

.sim-card {
  padding: 28px;
  position: relative;
  overflow: hidden;
}
.sim-card.featured { border-color: rgba(217,174,66,.55); transform: translateY(-8px); box-shadow: var(--apb-shadow); }
.popular-badge { position: absolute; right: 22px; top: 22px; display: inline-flex; padding: 6px 12px; border-radius: 999px; background: var(--apb-secondary-soft); color: #9b6c00; font-size: 12px; font-weight: 800; }
.sim-card h3 { font-weight: 800; font-size: 20px; color: var(--apb-dark); margin-bottom: 12px; }
.sim-amount { font-size: 33px; font-weight: 800; color: var(--apb-primary); line-height: 1.1; margin: 10px 0 16px; }
.sim-meta { display: grid; gap: 0; margin: 0 0 24px; }
.sim-meta div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px dashed var(--apb-line); color: var(--apb-muted); }
.sim-meta strong { color: var(--apb-dark); text-align: right; }
.disclaimer { color: var(--apb-muted); font-size: 13px; margin-top: 12px; }

.contact-box { padding: 32px; }
.form-control, .form-select {
  min-height: 52px;
  border-radius: 14px;
  border: 1px solid #d8deea;
  padding: 12px 15px;
  color: var(--apb-dark);
  font-size: 14px;
}
textarea.form-control { min-height: 118px; resize: vertical; }
.form-control:focus, .form-select:focus { border-color: var(--apb-primary); box-shadow: 0 0 0 .2rem rgba(31,43,136,.12); }
.form-label { font-size: 13px; font-weight: 800; color: #344054; }
.custom-control-label { font-size: 13px; line-height: 1.55; }
.contact-info-card {
  background: linear-gradient(135deg, #111b58, var(--apb-primary));
  color: #fff;
  border-radius: 30px;
  padding: 32px;
  height: 100%;
  box-shadow: var(--apb-shadow);
}
.contact-info-card h3 { font-weight: 800; margin-bottom: 10px; color: #fff; }
.contact-info-card > p { color: rgba(255,255,255,.78); margin-bottom: 12px; }
.contact-line { display: flex; gap: 14px; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.16); }
.contact-line i { width: 38px; height: 38px; display: inline-flex; align-items: center; justify-content: center; border-radius: 12px; background: rgba(255,255,255,.12); color: var(--apb-secondary); flex: 0 0 38px; }
.contact-line strong { display: block; color: #fff; margin-bottom: 2px; }
.contact-line a, .contact-line p { display: block; color: rgba(255,255,255,.86); margin: 0; word-break: break-word; }
.map-wrap { border-radius: 20px; overflow: hidden; border: 8px solid rgba(255,255,255,.10); margin-top: 18px; }
.map-wrap iframe { width: 100%; height: 255px; display: block; border: 0; }

.site-footer { background: #0b102f; color: rgba(255,255,255,.78); padding: 68px 0 24px; }
.site-footer .footer-logo { width: 196px; background: #fff; border-radius: 14px; padding: 8px 12px; margin-bottom: 18px; }
.site-footer h4 { color: #fff; font-size: 17px; font-weight: 800; margin-bottom: 18px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,.74); }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.10); margin-top: 40px; padding-top: 21px; font-size: 13px; color: rgba(255,255,255,.55); gap: 16px; }
.social-links { display: flex; gap: 10px; margin-top: 18px; }
.social-links a { width: 38px; height: 38px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; background: rgba(255,255,255,.09); color: #fff; }

.floating-wa {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 1001;
  width: 58px;
  height: 58px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: #25d366;
  color: #fff;
  font-size: 28px;
  box-shadow: 0 18px 34px rgba(37,211,102,.35);
  transition: transform .2s ease;
}
.floating-wa:hover { color: #fff; transform: translateY(-2px); }

.policy-page { padding: 70px 0 90px; background: var(--apb-soft); }
.policy-card { background: #fff; border-radius: 28px; border: 1px solid var(--apb-line); box-shadow: var(--apb-shadow); padding: 42px; }
.policy-card h1 { font-weight: 800; letter-spacing: -0.03em; color: var(--apb-dark); }
.policy-card h2 { font-size: 24px; font-weight: 800; margin-top: 34px; color: var(--apb-dark); }
.policy-card p, .policy-card li { color: var(--apb-muted); }

@media (max-width: 1199px) {
  .navbar-brand img { width: 160px; }
  .navbar-brand { margin-right: 16px; }
  .navbar-light .navbar-nav .nav-link { font-size: 12px; padding: 10px 6px; }
  .btn-nav { padding: 10px 14px; }
  .hero-main-card > img { height: 360px; }
  .hero-product-card { right: 8px; width: 310px; }
}

@media (max-width: 991px) {
  .topbar-inner,
  .topbar > .container { flex-direction: column; gap: 4px; text-align: center; }
  .topbar-item { white-space: normal; justify-content: center; }
  .navbar-collapse { padding: 16px 0 8px; }
  .navbar-light .navbar-nav .nav-link { font-size: 14px; padding: 10px 0; }
  .btn-nav { margin-top: 8px; width: 100%; }
  .hero { padding: 62px 0 48px; }
  .hero-visual { margin: 0 auto; }
  .hero-product-card { position: relative; right: auto; bottom: auto; width: 100%; margin-top: 16px; }
  .stats-box { margin-top: 42px; }
  .stat-item { border-right: 0; border-bottom: 1px solid var(--apb-line); padding: 18px 10px; }
  .stats-box .row > div:nth-last-child(-n+2) .stat-item { border-bottom: 0; }
  .about-note { position: static; max-width: none; margin-top: 14px; }
  .merchant-grid { grid-template-columns: 1fr; }
  .merchant-card { min-height: auto; }
  .sim-card.featured { transform: none; }
}

@media (max-width: 767px) {
  body { font-size: 14px; }
  .section-padding { padding: 64px 0; }
  .section-heading { margin-bottom: 32px; }
  .navbar-brand img { width: 150px; }
  .hero-title { font-size: 36px; }
  .hero-lead { font-size: 16px; }
  .hero-actions .btn-apb,
  .hero-actions .btn-apb-outline { width: 100%; }
  .trust-list { grid-template-columns: 1fr; }
  .hero-main-card { padding: 12px; border-radius: 24px; }
  .hero-main-card > img { height: 300px; border-radius: 18px; }
  .hero-info-card { left: 20px; top: 20px; max-width: 210px; }
  .hero-product-card { grid-template-columns: 76px 1fr; }
  .hero-product-card img { width: 76px; height: 84px; }
  .stats-box .row > div:nth-last-child(-n+2) .stat-item { border-bottom: 1px solid var(--apb-line); }
  .stats-box .row > div:last-child .stat-item { border-bottom: 0; }
  .payment-panel { padding: 30px 24px; border-radius: 24px; }
  .product-card { min-height: 360px; }
  .contact-box, .contact-info-card, .policy-card { padding: 24px; border-radius: 22px; }
  .legal-card { padding: 18px; border-radius: 24px; }
  .legal-table li { display: block; }
  .legal-table strong { display: block; text-align: left; max-width: none; margin-top: 4px; }
  .sim-meta div { display: block; }
  .sim-meta strong { display: block; text-align: left; margin-top: 2px; }
  .footer-bottom { text-align: center; }
}

@media (max-width: 420px) {
  .hero-title { font-size: 32px; }
  .section-heading h2,
  .section-title { font-size: 27px; }
  .hero-info-card { position: static; margin: 0 0 12px; max-width: none; }
  .hero-main-card > img { height: 270px; }
  .floating-wa { right: 16px; bottom: 16px; width: 54px; height: 54px; }
}


/* === APB V3 PRECISION REFINEMENT === */
/* Perapihan presisi visual agar gambar tidak terlalu besar, tidak saling tumpang tindih, dan merchant memakai logo. */
.container { max-width: 1140px; }
.section-padding { padding: 76px 0; }
.section-heading { margin-bottom: 34px; }
.section-heading h2 { max-width: 820px; margin-left: auto; margin-right: auto; }

.hero { padding: 62px 0 46px; }
.hero-title { font-size: clamp(34px, 4.15vw, 54px); max-width: 600px; }
.hero-lead { max-width: 570px; }
.hero-visual { max-width: 490px; }
.hero-main-card { padding: 14px; border-radius: 26px; }
.hero-main-card > img {
  height: 340px;
  object-fit: contain;
  object-position: center;
  border-radius: 20px;
  background: linear-gradient(135deg, #f8faff, #eef2ff);
}
.hero-info-card { left: 26px; top: 26px; max-width: 250px; }
.hero-product-card {
  position: relative;
  right: auto;
  bottom: auto;
  width: calc(100% - 38px);
  margin: -10px auto 0;
  grid-template-columns: 78px 1fr;
  border-radius: 20px;
  padding: 12px;
  box-shadow: 0 14px 32px rgba(16,24,40,.12);
}
.hero-product-card img {
  width: 78px;
  height: 78px;
  border-radius: 15px;
  object-fit: contain;
  background: #05c840;
}
.stats-box { margin-top: 42px; }

.about-visual { max-width: 500px; margin: 0 auto; padding: 16px; }
.about-visual img { max-height: 390px; object-fit: contain; background: #f8faff; }
.about-note {
  position: static;
  max-width: none;
  margin: 14px 0 0;
  border-radius: 18px;
  padding: 18px 20px;
  box-shadow: none;
  background: linear-gradient(135deg, var(--apb-primary), #3144d6);
}

#layanan .row.align-items-stretch:first-of-type { justify-content: center; }
.product-card.product-card-clean {
  max-width: 350px;
  min-height: 0;
  height: 100%;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  overflow: hidden;
  border-radius: 24px;
  background: #fff;
  border: 1px solid var(--apb-line);
  box-shadow: var(--apb-shadow-soft);
}
.product-card.product-card-clean::after { display: none; }
.product-card.product-card-clean:hover { box-shadow: var(--apb-shadow); transform: translateY(-4px); }
.product-card.product-card-clean .product-image-frame {
  height: 258px;
  margin: 16px 16px 0;
  border-radius: 20px;
  overflow: hidden;
  background: linear-gradient(135deg, #07d94c, #005b33);
  display: flex;
  align-items: center;
  justify-content: center;
}
.product-card.product-card-clean .product-image-frame img {
  position: static;
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
  border-radius: 0;
  transform: none;
}
.product-card.product-card-clean:hover .product-image-frame img { transform: none; }
.product-card.product-card-clean .product-content {
  position: static;
  z-index: auto;
  color: var(--apb-dark);
  padding: 22px 22px 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.product-card.product-card-clean .product-content h3 { color: var(--apb-dark); font-size: 22px; }
.product-card.product-card-clean .product-content p {
  color: var(--apb-muted);
  margin-bottom: 18px;
  font-size: 14px;
}
.product-card.product-card-clean .product-tag {
  width: max-content;
  max-width: 100%;
  background: var(--apb-primary-soft);
  color: var(--apb-primary);
}
.product-card.product-card-clean .btn-apb-gold { margin-top: auto; width: max-content; }
.service-highlight {
  max-width: 350px;
  margin: 0 auto;
  min-height: 100%;
  padding: 32px;
}

.payment-section { padding: 68px 0; }
.payment-panel { padding: 42px; border-radius: 28px; }
.payment-panel h2 { font-size: clamp(28px, 3vw, 40px); max-width: 560px; }
.merchant-grid.merchant-grid-logo {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.merchant-card.merchant-card-logo {
  min-height: 234px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
}
.merchant-logo {
  height: 86px;
  padding: 10px;
  border-radius: 16px;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  box-shadow: 0 12px 24px rgba(0,0,0,.10);
}
.merchant-logo img {
  max-width: 100%;
  max-height: 66px;
  object-fit: contain;
}
.merchant-card.merchant-card-logo strong { font-size: 18px; margin-bottom: 8px; }
.merchant-card.merchant-card-logo span { font-size: 12.5px; line-height: 1.55; }
.merchant-card.merchant-card-logo i { display: none; }
.payment-note { max-width: 94%; }

@media (max-width: 1199px) {
  .merchant-grid.merchant-grid-logo { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .merchant-card.merchant-card-logo { min-height: 240px; }
  .merchant-logo { height: 78px; }
}
@media (max-width: 991px) {
  .container { max-width: 720px; }
  .hero-visual { margin: 0 auto; }
  .hero-main-card > img { height: 310px; }
  .hero-product-card { width: 100%; margin-top: 14px; }
  .merchant-grid.merchant-grid-logo { grid-template-columns: 1fr; }
  .merchant-card.merchant-card-logo { min-height: auto; }
  .merchant-logo { height: 92px; }
}
@media (max-width: 767px) {
  .section-padding { padding: 58px 0; }
  .hero { padding: 48px 0 38px; }
  .hero-title { font-size: 34px; }
  .hero-main-card > img { height: 270px; }
  .hero-info-card { position: static; max-width: none; margin: 0 0 12px; }
  .product-card.product-card-clean { max-width: 100%; }
  .product-card.product-card-clean .product-image-frame { height: 230px; }
  .payment-panel { padding: 28px 20px; border-radius: 24px; }
}
@media (max-width: 420px) {
  .product-card.product-card-clean .product-image-frame { height: 210px; }
  .merchant-logo img { max-height: 58px; }
}

/* ===== V4 refinement: hero visual dibuat bersih tanpa tumpang tindih ===== */
.hero-visual {
  max-width: 500px;
  margin-left: auto;
  display: grid;
  gap: 14px;
}

.hero-main-card {
  overflow: hidden;
  display: grid;
  gap: 14px;
  padding: 14px;
  border-radius: 28px;
  background: #ffffff;
  border: 1px solid var(--apb-line);
  box-shadow: 0 22px 56px rgba(16, 24, 40, .12);
}

.hero-main-card > img {
  width: 100%;
  height: 305px !important;
  display: block;
  object-fit: cover !important;
  object-position: center center !important;
  border-radius: 20px;
  background: #eef2ff;
}

.hero-info-card {
  position: static !important;
  left: auto !important;
  top: auto !important;
  max-width: none !important;
  width: 100%;
  margin: 0 !important;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 15px 18px;
  border-radius: 18px;
  background: linear-gradient(135deg, #f8faff, #ffffff);
  border: 1px solid rgba(31, 43, 136, .12);
  box-shadow: none;
}

.hero-info-card span {
  margin: 0;
  color: var(--apb-muted);
  font-size: 12px;
  font-weight: 800;
  line-height: 1.35;
}

.hero-info-card strong {
  max-width: 260px;
  color: var(--apb-primary);
  font-size: 15px;
  line-height: 1.35;
  text-align: right;
}

.hero-product-card {
  position: static !important;
  right: auto !important;
  bottom: auto !important;
  width: 100% !important;
  margin: 0 !important;
  display: grid;
  grid-template-columns: 74px 1fr;
  gap: 16px;
  align-items: center;
  padding: 14px 16px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid var(--apb-line);
  box-shadow: 0 14px 34px rgba(16, 24, 40, .10);
}

.hero-product-card img {
  width: 74px !important;
  height: 74px !important;
  padding: 5px;
  border-radius: 16px;
  object-fit: contain !important;
  background: linear-gradient(135deg, #06d64b, #006d3c);
}

.hero-product-card strong {
  font-size: 17px;
  margin-bottom: 4px;
}

.hero-product-card span {
  font-size: 13px;
  line-height: 1.55;
}

@media (min-width: 992px) {
  .hero .row.align-items-center { align-items: center !important; }
}

@media (max-width: 991px) {
  .hero-visual { max-width: 560px; margin: 34px auto 0; }
  .hero-main-card > img { height: 285px !important; }
}

@media (max-width: 575px) {
  .hero-main-card { padding: 10px; border-radius: 22px; }
  .hero-main-card > img { height: 230px !important; border-radius: 16px; }
  .hero-info-card {
    display: block;
    padding: 14px;
  }
  .hero-info-card strong {
    display: block;
    max-width: none;
    margin-top: 4px;
    text-align: left;
    font-size: 14px;
  }
  .hero-product-card {
    grid-template-columns: 64px 1fr;
    gap: 12px;
    padding: 12px;
  }
  .hero-product-card img { width: 64px !important; height: 64px !important; }
  .hero-product-card strong { font-size: 15px; }
  .hero-product-card span { font-size: 12px; }
}