:root{
  --sbi-mint-50:#eef9f3;
  --sbi-mint-100:#c8eddb;
  --sbi-mint-200:#a3d9c4;
  --sbi-mint-300:#7cc4ac;
  --sbi-mint-700:#1f5a45;
  --sbi-cream-50:#fefbf2;
  --sbi-cream-100:#fef8e7;
  --sbi-cream-200:#fdf4e0;
  --sbi-cream-300:#f5e9c8;
  --sbi-orange:#f59e0b;
  --sbi-orange-dark:#c47e07;
  --sbi-ink:#1f2933;
  --sbi-ink-soft:#3b4756;
  --sbi-muted:#6b7785;
  --sbi-line:#e7e2d2;
  --sbi-white:#ffffff;
  --sbi-radius-sm:8px;
  --sbi-radius:14px;
  --sbi-radius-lg:22px;
  --sbi-radius-pill:999px;
  --sbi-shadow-1:0 1px 3px rgba(31,41,51,0.06),0 1px 2px rgba(31,41,51,0.04);
  --sbi-shadow-2:0 8px 24px rgba(31,90,69,0.10);
  --sbi-shadow-3:0 18px 40px rgba(31,90,69,0.14);
  --sbi-font-head:"Nunito","DM Sans","Manrope","Segoe UI Rounded",system-ui,sans-serif;
  --sbi-font-body:"Inter","Segoe UI",system-ui,-apple-system,Roboto,sans-serif;
  --sbi-maxw:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--sbi-font-body);
  font-size:16px;
  line-height:1.7;
  color:var(--sbi-ink);
  background:var(--sbi-cream-50);
}
img{max-width:100%;height:auto;display:block}
a{color:var(--sbi-mint-700);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4,h5{font-family:var(--sbi-font-head);color:var(--sbi-ink);font-weight:700;letter-spacing:-0.01em;line-height:1.25;margin:0 0 0.6em}
h1{font-size:clamp(2rem,4vw,2.85rem)}
h2{font-size:clamp(1.45rem,2.6vw,2rem)}
h3{font-size:clamp(1.15rem,2vw,1.4rem)}
p{margin:0 0 1.05em}
.container{width:100%;max-width:var(--sbi-maxw);margin:0 auto;padding:0 22px}
.skip-link{position:absolute;left:-9999px;top:auto;background:var(--sbi-orange);color:#fff;padding:10px 16px;border-radius:var(--sbi-radius);z-index:1000}
.skip-link:focus{left:16px;top:16px}
.site-header{
  background:linear-gradient(180deg,var(--sbi-cream-100) 0%,var(--sbi-cream-50) 100%);
  border-bottom:1px solid var(--sbi-line);
  padding:18px 0 14px;
  position:relative;
  z-index:5;
}
.nav-stack{display:flex;flex-direction:column;align-items:center;gap:14px}
.pathway-menu{
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:6px;
  background:var(--sbi-cream-100);
  border:1px solid var(--sbi-cream-300);
  padding:8px 14px;
  border-radius:var(--sbi-radius-pill);
  box-shadow:var(--sbi-shadow-1);
}
.pathway-menu a{
  color:var(--sbi-ink-soft);
  font-weight:600;
  font-size:0.95rem;
  padding:8px 16px;
  border-radius:var(--sbi-radius-pill);
  transition:background 0.18s ease,color 0.18s ease;
}
.pathway-menu a:hover,.pathway-menu a:focus{
  background:var(--sbi-mint-100);
  color:var(--sbi-mint-700);
  text-decoration:none;
}
.pathway-menu a[aria-current="page"]{background:var(--sbi-mint-200);color:var(--sbi-mint-700)}
.brand-row{display:flex;flex-direction:column;align-items:center;gap:2px}
.brand-name{
  font-family:var(--sbi-font-head);
  font-weight:800;
  font-size:1.45rem;
  color:var(--sbi-mint-700);
  letter-spacing:-0.01em;
}
.brand-sub{font-size:0.78rem;color:var(--sbi-muted);letter-spacing:0.04em;text-transform:uppercase}
.hero{
  position:relative;
  min-height:560px;
  display:flex;
  align-items:center;
  background:linear-gradient(180deg,rgba(254,248,231,0.92) 0%,rgba(200,237,219,0.78) 100%),url('../img/hero-home.jpg') center/cover no-repeat;
  padding:80px 0;
}
.hero-inner{max-width:720px}
.step-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--sbi-orange);color:#fff;
  padding:6px 14px;border-radius:var(--sbi-radius-pill);
  font-size:0.82rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;
  margin-bottom:18px;
}
.step-badge::before{content:"";width:10px;height:10px;border-radius:50%;background:#fff;display:inline-block}
.hero h1{font-size:clamp(2.1rem,4.6vw,3.1rem);color:var(--sbi-mint-700);max-width:640px}
.hero-sub{font-size:1.1rem;color:var(--sbi-ink-soft);max-width:560px;margin-bottom:28px}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--sbi-font-head);font-weight:700;
  padding:13px 26px;border-radius:var(--sbi-radius-pill);
  font-size:1rem;border:2px solid transparent;cursor:pointer;
  transition:transform 0.18s ease,box-shadow 0.18s ease,background 0.18s ease;
}
.btn-primary{background:var(--sbi-orange);color:#fff;box-shadow:var(--sbi-shadow-2)}
.btn-primary:hover{background:var(--sbi-orange-dark);transform:translateY(-2px);text-decoration:none}
.btn-ghost{background:transparent;color:var(--sbi-mint-700);border-color:var(--sbi-mint-300)}
.btn-ghost:hover{background:var(--sbi-mint-100);text-decoration:none}
.btn-arrow::after{content:"\2192";font-size:1.1em}
.section{padding:72px 0}
.section-narrow{padding:54px 0}
.section-alt{background:var(--sbi-white)}
.section-mint{background:var(--sbi-mint-50)}
.section-cream{background:var(--sbi-cream-100)}
.section-head{max-width:680px;margin:0 auto 42px;text-align:center}
.section-eyebrow{display:inline-block;font-size:0.8rem;color:var(--sbi-orange-dark);font-weight:700;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:10px}
.advantages-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.adv-card{
  background:var(--sbi-white);border:1px solid var(--sbi-cream-300);
  border-radius:var(--sbi-radius);padding:26px 22px;
  box-shadow:var(--sbi-shadow-1);
  transition:transform 0.22s ease,box-shadow 0.22s ease;
}
.adv-card:hover{transform:translateY(-3px);box-shadow:var(--sbi-shadow-2)}
.adv-ico{
  width:48px;height:48px;border-radius:14px;
  background:var(--sbi-mint-100);color:var(--sbi-mint-700);
  display:inline-flex;align-items:center;justify-content:center;
  margin-bottom:16px;
}
.adv-ico svg{width:24px;height:24px}
.adv-card h3{font-size:1.15rem;margin-bottom:8px}
.adv-card p{color:var(--sbi-ink-soft);margin:0;font-size:0.96rem}
.glossary-preview{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;
  margin-bottom:30px;
}
.glos-card{
  background:var(--sbi-cream-100);border:1px dashed var(--sbi-cream-300);
  border-radius:var(--sbi-radius);padding:22px;
}
.glos-term{font-family:var(--sbi-font-head);font-weight:700;font-size:1.1rem;color:var(--sbi-mint-700);margin-bottom:6px}
.glos-def{font-size:0.93rem;color:var(--sbi-ink-soft);margin:0}
.glos-more{text-align:center}
.step-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.step-card{
  position:relative;
  background:var(--sbi-white);
  border:1px solid var(--sbi-line);
  border-radius:var(--sbi-radius-lg);
  padding:28px;
  display:flex;flex-direction:column;
  box-shadow:var(--sbi-shadow-1);
  transition:transform 0.22s ease,box-shadow 0.22s ease,border-color 0.22s ease;
}
.step-card:hover{transform:translateY(-4px);box-shadow:var(--sbi-shadow-3);border-color:var(--sbi-mint-200)}
.step-card .step-num{
  position:absolute;top:-16px;left:24px;
  width:48px;height:48px;border-radius:50%;
  background:var(--sbi-orange);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--sbi-font-head);font-weight:800;font-size:1.15rem;
  box-shadow:var(--sbi-shadow-2);
}
.step-card img{
  width:100%;aspect-ratio:16/9;object-fit:cover;
  border-radius:var(--sbi-radius);margin-bottom:18px;margin-top:12px;
}
.step-card h3{font-size:1.2rem;margin:0 0 10px}
.step-card h3 a{color:var(--sbi-ink)}
.step-card h3 a:hover{color:var(--sbi-mint-700);text-decoration:none}
.step-card p{color:var(--sbi-ink-soft);font-size:0.96rem;margin:0 0 16px;flex-grow:1}
.card-meta{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:14px;font-size:0.84rem;color:var(--sbi-muted)}
.diff-badge{
  display:inline-flex;align-items:center;gap:6px;
  font-size:0.75rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;
  padding:4px 12px;border-radius:var(--sbi-radius-pill);
}
.diff-pemula{background:var(--sbi-mint-100);color:var(--sbi-mint-700)}
.diff-menengah{background:var(--sbi-cream-200);color:var(--sbi-orange-dark)}
.card-cta{
  font-family:var(--sbi-font-head);font-weight:700;color:var(--sbi-orange-dark);
  font-size:0.95rem;align-self:flex-start;
}
.card-cta::after{content:"\2009\2192";transition:transform 0.18s ease;display:inline-block}
.card-cta:hover{text-decoration:none}
.card-cta:hover::after{transform:translateX(4px)}
.faq-list{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
.faq-list details{
  background:var(--sbi-white);border:1px solid var(--sbi-line);
  border-radius:var(--sbi-radius);padding:18px 22px;
  transition:box-shadow 0.18s ease,border-color 0.18s ease;
}
.faq-list details[open]{box-shadow:var(--sbi-shadow-2);border-color:var(--sbi-mint-200)}
.faq-list summary{
  font-family:var(--sbi-font-head);font-weight:700;font-size:1.05rem;
  color:var(--sbi-ink);cursor:pointer;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:14px;
}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{
  content:"+";font-size:1.4rem;color:var(--sbi-orange-dark);
  transition:transform 0.2s ease;line-height:1;
}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list .answer{margin-top:12px;color:var(--sbi-ink-soft);font-size:0.97rem}
.method-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.method-item{
  background:var(--sbi-white);border-radius:var(--sbi-radius);
  padding:24px;border:1px solid var(--sbi-line);text-align:center;
}
.method-ico{
  width:56px;height:56px;border-radius:50%;
  background:var(--sbi-cream-100);color:var(--sbi-orange-dark);
  display:inline-flex;align-items:center;justify-content:center;
  margin-bottom:14px;
}
.method-ico svg{width:28px;height:28px}
.method-item h3{font-size:1.1rem;margin-bottom:8px}
.method-item p{font-size:0.93rem;color:var(--sbi-ink-soft);margin:0}
.closing-cta{
  background:linear-gradient(135deg,var(--sbi-mint-200) 0%,var(--sbi-cream-100) 100%);
  border-radius:var(--sbi-radius-lg);
  padding:54px 36px;text-align:center;
  border:1px solid var(--sbi-mint-100);
}
.closing-cta h2{color:var(--sbi-mint-700);max-width:580px;margin:0 auto 14px}
.closing-cta p{max-width:560px;margin:0 auto 24px;color:var(--sbi-ink-soft)}
.closing-cta .btn-row{justify-content:center}
.list-hero{
  background:linear-gradient(180deg,var(--sbi-cream-100) 0%,var(--sbi-mint-50) 100%);
  padding:64px 0 44px;text-align:center;
}
.list-hero h1{color:var(--sbi-mint-700)}
.list-hero p{max-width:600px;margin:0 auto;color:var(--sbi-ink-soft)}
.contact-info-inline{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;
  margin-bottom:42px;
}
.cinfo-block{
  background:var(--sbi-mint-100);border-radius:var(--sbi-radius);
  padding:20px 22px;border:1px solid var(--sbi-mint-200);
  display:flex;gap:14px;align-items:flex-start;
}
.cinfo-ico{
  width:42px;height:42px;border-radius:12px;background:var(--sbi-white);
  color:var(--sbi-mint-700);flex:0 0 42px;
  display:inline-flex;align-items:center;justify-content:center;
}
.cinfo-ico svg{width:22px;height:22px}
.cinfo-label{font-family:var(--sbi-font-head);font-weight:700;font-size:0.78rem;letter-spacing:0.08em;text-transform:uppercase;color:var(--sbi-mint-700);margin-bottom:4px}
.cinfo-val{font-size:0.95rem;color:var(--sbi-ink);word-break:break-word}
.form-card{
  max-width:520px;margin:0 auto 48px;
  background:var(--sbi-cream-100);
  border:1px solid var(--sbi-cream-300);
  border-radius:var(--sbi-radius-lg);
  padding:38px 32px;
  box-shadow:var(--sbi-shadow-2);
}
.form-card h2{text-align:center;margin-bottom:8px}
.form-card .sub{text-align:center;color:var(--sbi-ink-soft);font-size:0.95rem;margin-bottom:26px}
.field{margin-bottom:16px}
.field label{display:block;font-family:var(--sbi-font-head);font-weight:700;font-size:0.9rem;color:var(--sbi-ink);margin-bottom:6px}
.field input,.field textarea{
  width:100%;padding:12px 14px;border-radius:var(--sbi-radius-sm);
  border:1px solid var(--sbi-line);background:var(--sbi-white);
  font-family:var(--sbi-font-body);font-size:0.97rem;color:var(--sbi-ink);
  transition:border-color 0.18s ease,box-shadow 0.18s ease;
}
.field input:focus,.field textarea:focus{
  outline:none;border-color:var(--sbi-mint-300);
  box-shadow:0 0 0 3px rgba(163,217,196,0.4);
}
.field textarea{min-height:130px;resize:vertical}
.form-card .btn-row{justify-content:center;margin-top:8px}
.consent-line{font-size:0.84rem;color:var(--sbi-muted);margin-top:10px;text-align:center}
.map-frame{
  width:100%;height:380px;border:0;border-radius:var(--sbi-radius);
  box-shadow:var(--sbi-shadow-2);
  display:block;
}
.map-row{margin-top:8px;font-size:0.9rem;color:var(--sbi-muted);text-align:center}
.article-shell{max-width:760px;margin:0 auto}
.article-shell .byline{color:var(--sbi-muted);font-size:0.9rem;margin-bottom:16px}
.article-shell .lead{font-size:1.12rem;color:var(--sbi-ink-soft);margin-bottom:24px}
.article-shell h2{margin-top:1.8em}
.article-shell h3{margin-top:1.4em}
.article-shell ul,.article-shell ol{padding-left:22px}
.article-shell li{margin-bottom:6px}
.article-figure{margin:26px 0}
.article-figure img{width:100%;border-radius:var(--sbi-radius);box-shadow:var(--sbi-shadow-1)}
.article-figure figcaption{font-size:0.85rem;color:var(--sbi-muted);margin-top:8px;text-align:center}
.summary-box{
  background:var(--sbi-mint-50);border-left:4px solid var(--sbi-mint-300);
  border-radius:var(--sbi-radius-sm);padding:20px 22px;margin:26px 0;
}
.summary-box h3{margin-top:0;color:var(--sbi-mint-700)}
.misconception-box{
  background:var(--sbi-cream-200);border-left:4px solid var(--sbi-orange);
  border-radius:var(--sbi-radius-sm);padding:20px 22px;margin:22px 0;
}
.misconception-box h3{margin-top:0;color:var(--sbi-orange-dark)}
.steps-list{counter-reset:stepc;list-style:none;padding-left:0;margin:18px 0}
.steps-list li{
  counter-increment:stepc;position:relative;padding-left:48px;margin-bottom:14px;
}
.steps-list li::before{
  content:counter(stepc);position:absolute;left:0;top:0;
  width:34px;height:34px;border-radius:50%;
  background:var(--sbi-orange);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--sbi-font-head);font-weight:800;font-size:0.95rem;
}
.prev-next{
  display:grid;grid-template-columns:1fr 1fr;gap:18px;
  margin:52px 0 0;padding-top:30px;border-top:1px solid var(--sbi-line);
}
.pn-block{
  background:var(--sbi-cream-100);border-radius:var(--sbi-radius);
  padding:18px;border:1px solid var(--sbi-cream-300);
}
.pn-label{font-size:0.78rem;letter-spacing:0.08em;text-transform:uppercase;color:var(--sbi-orange-dark);font-weight:700;margin-bottom:6px}
.pn-title{font-family:var(--sbi-font-head);font-weight:700;color:var(--sbi-mint-700)}
.pn-block.next{text-align:right}
.legal-shell{max-width:820px;margin:0 auto}
.legal-shell h2{margin-top:1.8em}
.legal-shell .meta{color:var(--sbi-muted);font-size:0.92rem;margin-bottom:24px}
.about-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:42px;align-items:center}
.about-grid img{border-radius:var(--sbi-radius);box-shadow:var(--sbi-shadow-2)}
.principles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin-top:24px}
.principle{background:var(--sbi-cream-100);border-radius:var(--sbi-radius);padding:20px;border:1px solid var(--sbi-cream-300)}
.principle h3{font-size:1.05rem;color:var(--sbi-mint-700);margin-bottom:8px}
.principle p{font-size:0.93rem;color:var(--sbi-ink-soft);margin:0}
.site-footer{
  background:var(--sbi-mint-700);color:#dbeee5;
  padding:54px 0 24px;margin-top:64px;
}
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px;margin-bottom:34px}
.foot-col h4{color:#fff;font-size:1.05rem;margin-bottom:14px}
.foot-col ul{list-style:none;padding:0;margin:0}
.foot-col li{margin-bottom:8px}
.foot-col a{color:#c8eddb;font-size:0.93rem}
.foot-col a:hover{color:#fff}
.foot-brand{font-family:var(--sbi-font-head);font-weight:800;font-size:1.25rem;color:#fff;margin-bottom:10px}
.foot-about{font-size:0.92rem;color:#b9e2cd;margin:0}
.foot-bottom{border-top:1px solid #2c6e57;padding-top:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:0.86rem;color:#a7d2bf}
.foot-bottom a{color:#dbeee5}
.cookie-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:200;
  background:#1f2933;color:#fff;
  padding:14px 18px;
  display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between;
  box-shadow:0 -4px 18px rgba(0,0,0,0.18);
}
.cookie-bar.hidden{display:none}
.cookie-text{font-size:0.9rem;max-width:760px;color:#e6e6e6}
.cookie-text a{color:#f6d28e}
.cookie-actions{display:flex;gap:8px;flex-wrap:wrap}
.cookie-btn{
  font-family:var(--sbi-font-head);font-weight:700;
  padding:9px 16px;border-radius:var(--sbi-radius-pill);
  border:1px solid transparent;cursor:pointer;font-size:0.88rem;
}
.cookie-btn.allow{background:var(--sbi-orange);color:#fff}
.cookie-btn.deny{background:transparent;color:#fff;border-color:#5a6776}
.cookie-btn.manage{background:#fef8e7;color:#1f2933}
.cookie-panel{
  position:fixed;left:0;right:0;bottom:0;z-index:300;
  background:#fff;color:#1f2933;
  padding:24px;box-shadow:0 -8px 28px rgba(0,0,0,0.22);
  max-height:78vh;overflow-y:auto;
}
.cookie-panel.hidden{display:none}
.cookie-panel-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1.2fr 1.6fr 0.9fr;gap:28px}
.cookie-panel h3{margin:0 0 8px;font-size:1.15rem}
.cookie-panel p{font-size:0.92rem;color:var(--sbi-ink-soft);margin:0 0 10px}
.cat-list{display:flex;flex-direction:column;gap:12px}
.cat-row{border:1px solid var(--sbi-line);border-radius:var(--sbi-radius);padding:14px}
.cat-head{display:flex;justify-content:space-between;align-items:center;gap:10px}
.cat-name{font-family:var(--sbi-font-head);font-weight:700;font-size:0.98rem}
.cat-toggle-wrap{display:flex;align-items:center;gap:10px}
.always{font-size:0.78rem;color:var(--sbi-mint-700);font-weight:700}
.switch{position:relative;display:inline-block;width:42px;height:22px}
.switch input{opacity:0;width:0;height:0}
.slider{position:absolute;cursor:pointer;inset:0;background:#cfd6dd;border-radius:22px;transition:background 0.2s}
.slider::before{content:"";position:absolute;left:3px;top:3px;width:16px;height:16px;background:#fff;border-radius:50%;transition:transform 0.2s}
.switch input:checked + .slider{background:var(--sbi-mint-300)}
.switch input:checked + .slider::before{transform:translateX(20px)}
.cat-toggle-btn{
  background:transparent;border:0;cursor:pointer;color:var(--sbi-orange-dark);
  font-family:var(--sbi-font-head);font-weight:700;font-size:0.82rem;margin-top:8px;
}
.cat-detail{display:none;margin-top:8px;font-size:0.88rem;color:var(--sbi-ink-soft)}
.cat-detail.open{display:block}
.panel-actions{display:flex;flex-direction:column;gap:10px;align-self:flex-start}
.modal{
  position:fixed;inset:0;background:rgba(31,41,51,0.55);z-index:400;
  display:flex;align-items:center;justify-content:center;padding:20px;
}
.modal.hidden{display:none}
.modal-card{
  background:#fff;border-radius:var(--sbi-radius-lg);padding:32px;max-width:440px;
  text-align:center;box-shadow:var(--sbi-shadow-3);
}
.modal-card h3{color:var(--sbi-mint-700)}
.modal-card p{color:var(--sbi-ink-soft);margin-bottom:18px}
@media (max-width:880px){
  .step-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:26px}
  .cookie-panel-inner{grid-template-columns:1fr}
  .about-grid{grid-template-columns:1fr;gap:26px}
  .prev-next{grid-template-columns:1fr}
  .pn-block.next{text-align:left}
  .map-frame{height:280px}
}
@media (max-width:560px){
  .section{padding:54px 0}
  .hero{padding:60px 0;min-height:480px}
  .pathway-menu{padding:6px 8px;gap:2px}
  .pathway-menu a{padding:7px 12px;font-size:0.88rem}
  .foot-grid{grid-template-columns:1fr;gap:22px}
  .closing-cta{padding:38px 22px}
  .form-card{padding:28px 20px}
  .cookie-bar{flex-direction:column;align-items:stretch;text-align:left}
  .cookie-actions{justify-content:flex-end}
}