html, body { margin: 0; min-height: 100%; background: #f5efe4; }
body { overflow-x: hidden; }
.direct-document { min-height: 100vh; }
.legal-nav{padding:18px max(22px,calc((100vw - 900px)/2));border-bottom:1px solid #dde3dc;background:#f5efe4}.legal-nav a{display:inline-flex;align-items:center;min-height:44px;color:#17231d;text-decoration:none;font-weight:850;font-size:1.25rem;letter-spacing:-.04em}.legal-nav span{color:#526b50}.legal-page{width:min(740px,calc(100% - 36px));margin:auto;padding:64px 0 96px;color:#17231d;font-family:Inter,ui-sans-serif,system-ui,sans-serif;line-height:1.6}.legal-page>a{display:inline-flex;align-items:center;min-height:44px;color:#526b50;font-weight:700;text-underline-offset:4px}.legal-page h1,.legal-page h2{font-family:Georgia,'Times New Roman',serif;font-weight:600}.legal-page h1{font-size:clamp(56px,4.5vw,64px);line-height:1.02;letter-spacing:-.035em;margin:24px 0 32px}.legal-page h2{font-size:clamp(40px,3.2vw,44px);line-height:1.1;letter-spacing:-.025em;margin-top:48px}.legal-page p,.legal-page li{max-width:72ch;color:#617068;font-size:1rem}.legal-updated{padding-top:32px;border-top:1px solid #dde3dc;margin-top:48px;font-size:.875rem}:where(.legal-nav a,.legal-page a):focus-visible{outline:3px solid #e8c494;outline-offset:3px}@media(max-width:800px){.legal-page h1{font-size:clamp(42px,8vw,56px)}.legal-page h2{font-size:clamp(34px,5.5vw,40px)}}@media(max-width:480px){.legal-page{width:min(100% - 24px,740px);padding:48px 0 72px}.legal-page h1{font-size:40px}.legal-page h2{font-size:32px}}

.guide-nav,.guide-footer>div,.guide-shell{width:min(1120px,calc(100% - 40px));margin-inline:auto}.guide-nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.guide-nav nav,.guide-footer nav{display:flex;align-items:center;gap:22px}.guide-nav a,.guide-footer a{color:#17231d;text-decoration:none}.guide-nav nav a,.guide-footer nav a{display:inline-flex;min-height:44px;align-items:center;font:700 .9375rem/1.2 Inter,ui-sans-serif,system-ui,sans-serif}.guide-brand{font:850 1.25rem/1 Inter,ui-sans-serif,system-ui,sans-serif;letter-spacing:-.045em}.guide-brand span{color:#526b50}.guide-shell{padding:28px 0 96px;color:#17231d;font-family:Inter,ui-sans-serif,system-ui,sans-serif}.breadcrumbs{display:flex;align-items:center;gap:10px;min-height:44px;color:#617068;font-size:.875rem;overflow-x:auto;white-space:nowrap}.breadcrumbs a{color:#526b50;text-underline-offset:4px}.guide-hub-header,.guide-header{max-width:820px;padding:52px 0 46px}.guide-kicker{display:block;color:#526b50;font-size:.8125rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.guide-hub-header h1,.guide-header h1{margin:14px 0 20px;font:600 clamp(2.75rem,5vw,4.25rem)/1.02 Georgia,'Times New Roman',serif;letter-spacing:-.045em}.guide-hub-header p,.guide-lead{max-width:720px;color:#617068;font-size:clamp(1.0625rem,1.8vw,1.2rem);line-height:1.65}.guide-hub-header>span:last-child{display:block;margin-top:20px;color:#617068;font-size:.875rem}.guide-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.guide-card-grid article{display:flex;min-height:270px;flex-direction:column;padding:26px;border:1px solid #dde3dc;border-radius:20px;background:#fffaf1;box-shadow:0 14px 34px rgba(23,35,29,.05)}.guide-card-grid article>span{color:#a64b2a;font-size:.8125rem;font-weight:850;letter-spacing:.12em}.guide-card-grid h2{margin:34px 0 12px;font:600 clamp(1.35rem,2.2vw,1.65rem)/1.15 Georgia,'Times New Roman',serif}.guide-card-grid h2 a{color:#17231d;text-decoration:none}.guide-card-grid p{margin:0;color:#617068;font-size:.9375rem;line-height:1.6}.guide-card-link{display:inline-flex;align-items:center;min-height:44px;margin-top:auto;padding-top:18px;color:#526b50;font-size:.9375rem;font-weight:800;text-decoration:none}.guide-article{max-width:820px;margin-inline:auto}.guide-meta{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:26px;color:#617068;font-size:.875rem}.guide-content{max-width:720px}.guide-content section{padding:18px 0}.guide-content h2,.related-guides h2,.guide-cta h2{margin:14px 0 16px;font:600 clamp(1.85rem,3.5vw,2.5rem)/1.1 Georgia,'Times New Roman',serif;letter-spacing:-.03em}.guide-content p,.guide-content li{color:#4e5e56;font-size:1rem;line-height:1.7}.guide-content ul{padding-left:24px}.guide-content li+li{margin-top:8px}.takeaway,.guide-disclaimer{margin:30px 0;padding:24px;border-radius:16px}.takeaway{border-left:4px solid #e8c494;background:#fffaf1}.guide-disclaimer{border:1px solid #dde3dc;background:#eef2e8}.takeaway strong,.guide-disclaimer strong{font-size:1rem}.takeaway p,.guide-disclaimer p{margin-bottom:0}.guide-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-top:72px;padding:36px;border-radius:24px;background:#062f4a;color:#fff}.guide-cta h2{margin:9px 0 10px;color:#fff}.guide-cta p{max-width:650px;margin:0;color:#dbe5e4;line-height:1.6}.guide-cta .guide-kicker{color:#e8c494}.guide-button{display:inline-flex;min-height:48px;flex:0 0 auto;align-items:center;justify-content:center;padding:0 20px;border-radius:12px;background:#e8c494;color:#17231d;font-weight:850;text-decoration:none}.related-guides{margin-top:72px}.related-guides>div{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.related-guides a{display:flex;min-height:150px;flex-direction:column;gap:10px;padding:22px;border:1px solid #dde3dc;border-radius:16px;background:#fffaf1;color:#17231d;text-decoration:none}.related-guides a span{color:#617068;font-size:.875rem;line-height:1.55}.guide-footer{border-top:1px solid #dde3dc;background:#fffaf1;color:#617068;font-family:Inter,ui-sans-serif,system-ui,sans-serif}.guide-footer>div{display:flex;min-height:94px;align-items:center;justify-content:space-between;gap:24px}.guide-footer>p{margin:0;padding:18px;text-align:center;border-top:1px solid #dde3dc;font-size:.875rem}:where(.guide-nav a,.guide-footer a,.breadcrumbs a,.guide-card-grid a,.guide-button,.related-guides a):focus-visible{outline:3px solid #e8c494;outline-offset:3px}@media(hover:hover){.guide-card-grid article,.related-guides a{transition:transform .2s ease,border-color .2s ease}.guide-card-grid article:hover,.related-guides a:hover{transform:translateY(-3px);border-color:#718b6e}}@media(max-width:800px){.guide-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-cta{align-items:flex-start;flex-direction:column}.related-guides>div{grid-template-columns:1fr}.guide-footer>div{padding:24px 0;align-items:flex-start;flex-direction:column}.guide-footer nav{flex-wrap:wrap}}@media(max-width:520px){.guide-nav,.guide-footer>div,.guide-shell{width:min(100% - 24px,1120px)}.guide-nav{min-height:68px}.guide-nav nav{gap:10px}.guide-nav nav a{font-size:.875rem}.guide-hub-header,.guide-header{padding:38px 0 32px}.guide-hub-header h1,.guide-header h1{font-size:clamp(2.35rem,10.5vw,2.75rem)}.guide-card-grid{grid-template-columns:1fr}.guide-card-grid article{min-height:230px}.guide-cta{margin-top:54px;padding:26px 22px}.guide-button{width:100%;box-sizing:border-box}.guide-footer nav{gap:10px 18px}}@media(prefers-reduced-motion:reduce){.guide-card-grid article,.related-guides a{transition:none}}
.bank-program{padding:14px 0 6px;border-top:1px solid #dde3dc}.bank-program h3{margin:0 0 6px;font-size:1.15rem}
.guide-content h3{color:#17231d;line-height:1.3}
.bank-table-wrap{overflow-x:auto;margin:12px 0}
.bank-table{width:100%;border-collapse:collapse;background:#fffdf8;border:1px solid #dde3dc;border-radius:12px;font-size:.95rem}
.bank-table caption{padding:10px 14px;text-align:left;font-weight:700;color:#17231d}
.bank-table th,.bank-table td{padding:10px 14px;text-align:left;border-top:1px solid #dde3dc;color:#4e5e56}
.bank-table thead th{background:#eef2ea;color:#17231d;font-weight:700}
.bank-table tbody th{color:#17231d;font-weight:600}
.bank-table a{color:#2f5d43;font-weight:600}
.bank-note{max-width:720px;color:#4e5e56;font-size:.92rem;line-height:1.6}
@media(max-width:520px){.guide-nav{gap:8px}.guide-brand{font-size:1.05rem}.guide-nav nav{gap:8px;flex-wrap:wrap;justify-content:flex-end}.guide-nav nav a{font-size:.8125rem}}

.text-button{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer;text-align:left;display:block}
.legal-page .text-button{display:inline;color:#07334f}

/* Nama bank/program panjang tidak boleh melebarkan halaman di layar sempit */
.bank-program,.bank-program *,.breadcrumbs,.breadcrumbs *,.related-guides a,.related-guides a *{overflow-wrap:anywhere;min-width:0}
.bank-program li{overflow-wrap:anywhere}

.page-summary{margin:24px 0;padding:22px;border:1px solid #dde3dc;border-radius:16px;background:#fffaf1;overflow-wrap:anywhere}.page-summary a{color:#2f5d43;text-underline-offset:3px}.page-summary li+li{margin-top:8px}.page-summary ol,.page-summary ul{padding-left:24px}.guide-content section[id]{scroll-margin-top:24px}