/* ============================================================
   Simulasi KPR Lengkap — Premium Orange/White Corporate Theme
   ============================================================ */
:root{
  --skp-orange:#F97316;
  --skp-orange-dark:#C2410C;
  --skp-orange-light:#FFEDD5;
  --skp-gold:#F59E0B;
  --skp-ink:#1F2937;
  --skp-gray:#6B7280;
  --skp-line:#E5E7EB;
  --skp-bg:#FFF7ED;
  --skp-white:#FFFFFF;
  --skp-success:#16A34A;
  --skp-danger:#DC2626;
  --skp-radius:16px;
  --skp-shadow:0 10px 40px rgba(249,115,22,.12), 0 2px 8px rgba(0,0,0,.04);
  --skp-shadow-lg:0 20px 60px rgba(249,115,22,.18), 0 4px 12px rgba(0,0,0,.06);
}
.skp-wrap{
  --skp-orange:var(--skp-primary,#F97316);
  font-family:'Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;
  color:var(--skp-ink);
  max-width:1100px;
  margin:0 auto;
  padding:0 0 40px;
  line-height:1.6;
  box-sizing:border-box;
}
.skp-wrap *,.skp-wrap *::before,.skp-wrap *::after{box-sizing:border-box;}
.skp-wrap h1,.skp-wrap h2,.skp-wrap h3{margin:0;font-weight:800;letter-spacing:-.02em;}
.skp-wrap p{margin:0;}

/* ---------- HEADER ---------- */
.skp-header{
  background:linear-gradient(135deg,var(--skp-orange) 0%,var(--skp-orange-dark) 100%);
  border-radius:var(--skp-radius) var(--skp-radius) 0 0;
  padding:28px 32px;
  position:relative;
  overflow:hidden;
}
.skp-header::before{
  content:"";position:absolute;top:-60px;right:-60px;width:220px;height:220px;
  background:radial-gradient(circle,rgba(255,255,255,.18),transparent 70%);border-radius:50%;
}
.skp-header::after{
  content:"";position:absolute;bottom:-80px;left:30%;width:180px;height:180px;
  background:radial-gradient(circle,rgba(255,255,255,.12),transparent 70%);border-radius:50%;
}
.skp-header-inner{display:flex;align-items:center;justify-content:space-between;position:relative;z-index:1;flex-wrap:wrap;gap:16px;}
.skp-logo{display:flex;align-items:center;gap:16px;}
.skp-logo-icon{
  width:56px;height:56px;border-radius:14px;background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;backdrop-filter:blur(4px);
  border:1px solid rgba(255,255,255,.3);
}
.skp-logo h1{color:#fff;font-size:26px;}
.skp-logo h1 span{color:#FFE4C4;}
.skp-logo p{color:rgba(255,255,255,.85);font-size:13px;margin-top:2px;}
.skp-badge{
  background:#fff;color:var(--skp-orange-dark);font-weight:800;font-size:12px;
  padding:8px 16px;border-radius:999px;letter-spacing:.05em;text-transform:uppercase;
  box-shadow:0 4px 12px rgba(0,0,0,.15);display:flex;align-items:center;gap:6px;
}
.skp-badge::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--skp-success);animation:skp-pulse 1.5s infinite;}
@keyframes skp-pulse{0%,100%{opacity:1;transform:scale(1);}50%{opacity:.5;transform:scale(1.3);}}

/* ---------- STEPS ---------- */
.skp-steps{
  display:flex;background:#fff;border-bottom:2px solid var(--skp-line);
  padding:0;overflow-x:auto;scrollbar-width:none;
}
.skp-steps::-webkit-scrollbar{display:none;}
.skp-step{
  flex:1;min-width:110px;padding:14px 10px;text-align:center;font-size:13px;font-weight:700;
  color:var(--skp-gray);cursor:pointer;position:relative;transition:.25s;white-space:nowrap;
  display:flex;align-items:center;justify-content:center;gap:8px;
}
.skp-step span{
  width:26px;height:26px;border-radius:50%;background:#F3F4F6;color:var(--skp-gray);
  display:inline-flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;transition:.25s;
}
.skp-step.active{color:var(--skp-orange-dark);}
.skp-step.active span{background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));color:#fff;box-shadow:0 4px 10px rgba(249,115,22,.4);}
.skp-step.done span{background:var(--skp-success);color:#fff;}
.skp-step.active::after{
  content:"";position:absolute;bottom:-2px;left:15%;right:15%;height:3px;
  background:linear-gradient(90deg,var(--skp-orange),var(--skp-gold));border-radius:3px 3px 0 0;
}

/* ---------- CARDS ---------- */
.skp-card{
  background:#fff;border-radius:0 0 var(--skp-radius) var(--skp-radius);
  box-shadow:var(--skp-shadow);padding:32px;display:none;animation:skp-fade .4s ease;
}
.skp-card.active{display:block;}
@keyframes skp-fade{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}
.skp-card-title{font-size:22px;color:var(--skp-ink);margin-bottom:6px;}
.skp-card-sub{color:var(--skp-gray);font-size:14px;margin-bottom:24px;}

/* ---------- FORM ---------- */
.skp-form{max-width:480px;}
.skp-field{margin-bottom:18px;}
.skp-field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px;color:var(--skp-ink);}
.skp-field label em{color:var(--skp-danger);font-style:normal;}
.skp-field input[type=text],.skp-field input[type=tel],.skp-field input[type=number],.skp-field select{
  width:100%;padding:14px 16px;border:2px solid var(--skp-line);border-radius:12px;
  font-size:15px;transition:.25s;background:#FAFAFA;color:var(--skp-ink);
}
.skp-field input:focus,.skp-field select:focus{
  outline:none;border-color:var(--skp-orange);background:#fff;
  box-shadow:0 0 0 4px rgba(249,115,22,.12);
}
.skp-field small{display:block;color:var(--skp-gray);font-size:12px;margin-top:6px;}
.skp-field input[type=range]{
  -webkit-appearance:none;width:100%;height:8px;border-radius:4px;
  background:linear-gradient(90deg,var(--skp-orange),var(--skp-gold));outline:none;margin:10px 0 4px;
}
.skp-field input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;
  border:3px solid var(--skp-orange);cursor:pointer;box-shadow:0 2px 8px rgba(249,115,22,.4);
}
.skp-field input[type=range]::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--skp-orange);cursor:pointer;
}
.skp-range-labels{display:flex;justify-content:space-between;font-size:12px;color:var(--skp-gray);}
.skp-range-labels b{color:var(--skp-orange-dark);}

/* ---------- BUTTONS ---------- */
.skp-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 24px;border:none;border-radius:12px;font-weight:800;font-size:14px;
  cursor:pointer;transition:.25s;text-decoration:none;letter-spacing:.01em;
}
.skp-btn-lg{padding:16px 32px;font-size:16px;width:100%;}
.skp-btn-primary{
  background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));color:#fff;
  box-shadow:0 6px 20px rgba(249,115,22,.35);
}
.skp-btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(249,115,22,.45);}
.skp-btn-wa{background:#25D366;color:#fff;box-shadow:0 6px 20px rgba(37,211,102,.3);}
.skp-btn-wa:hover{transform:translateY(-2px);background:#1EBE5B;}
.skp-btn-outline{background:transparent;color:var(--skp-orange-dark);border:2px solid var(--skp-orange);}
.skp-btn-outline:hover{background:var(--skp-orange-light);}
.skp-btn-danger{background:#FEF2F2;color:var(--skp-danger);border:2px solid #FECACA;}
.skp-btn-danger:hover{background:var(--skp-danger);color:#fff;}

/* ---------- MSG ---------- */
.skp-msg{font-size:13px;padding:10px 14px;border-radius:10px;margin:10px 0;display:none;}
.skp-msg.error{display:block;background:#FEF2F2;color:var(--skp-danger);border:1px solid #FECACA;}
.skp-msg.success{display:block;background:#F0FDF4;color:var(--skp-success);border:1px solid #BBF7D0;}

/* ---------- JENIS KPR ---------- */
.skp-jenis-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;}
.skp-jenis-card{
  border:2px solid var(--skp-line);border-radius:14px;padding:20px;cursor:pointer;
  transition:.25s;background:#FAFAFA;position:relative;overflow:hidden;
}
.skp-jenis-card:hover{border-color:var(--skp-orange);transform:translateY(-3px);box-shadow:var(--skp-shadow);background:#fff;}
.skp-jenis-card.selected{
  border-color:var(--skp-orange);background:linear-gradient(135deg,#FFF7ED,#FFEDD5);
  box-shadow:0 8px 24px rgba(249,115,22,.2);
}
.skp-jenis-card.selected::after{
  content:"✓";position:absolute;top:12px;right:14px;width:26px;height:26px;border-radius:50%;
  background:var(--skp-orange);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;
}
.skp-jenis-card .skp-j-icon{
  width:44px;height:44px;border-radius:12px;background:var(--skp-orange-light);color:var(--skp-orange-dark);
  display:flex;align-items:center;justify-content:center;margin-bottom:12px;font-size:20px;
}
.skp-jenis-card h4{margin:0 0 6px;font-size:15px;font-weight:800;}
.skp-jenis-card p{font-size:12px;color:var(--skp-gray);line-height:1.5;}

/* ---------- BANK ---------- */
.skp-cat-tabs{display:flex;gap:8px;margin-bottom:20px;flex-wrap:wrap;}
.skp-cat-tabs button{
  padding:9px 18px;border:2px solid var(--skp-line);background:#fff;border-radius:999px;
  font-weight:700;font-size:13px;cursor:pointer;color:var(--skp-gray);transition:.25s;
}
.skp-cat-tabs button.active{background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));color:#fff;border-color:transparent;box-shadow:0 4px 12px rgba(249,115,22,.3);}
.skp-bank-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px;}
.skp-bank-card{
  border:2px solid var(--skp-line);border-radius:14px;padding:18px;cursor:pointer;transition:.25s;background:#fff;
}
.skp-bank-card:hover{border-color:var(--skp-orange);transform:translateY(-3px);box-shadow:var(--skp-shadow);}
.skp-bank-card.selected{border-color:var(--skp-orange);box-shadow:0 8px 24px rgba(249,115,22,.2);background:linear-gradient(135deg,#FFF7ED,#fff);}
.skp-bank-head{display:flex;align-items:center;gap:12px;margin-bottom:12px;}
.skp-bank-logo{
  width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));
  color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;flex-shrink:0;
}
.skp-bank-name{font-weight:800;font-size:14px;line-height:1.3;}
.skp-bank-cat{font-size:11px;color:var(--skp-orange-dark);font-weight:700;text-transform:uppercase;letter-spacing:.04em;}
.skp-bank-rates{display:grid;grid-template-columns:1fr 1fr;gap:6px;font-size:12px;}
.skp-rate-item{background:#F9FAFB;border-radius:8px;padding:6px 10px;}
.skp-rate-item b{display:block;font-size:14px;color:var(--skp-orange-dark);}
.skp-rate-item span{color:var(--skp-gray);font-size:11px;}

/* ---------- SIMULASI ---------- */
.skp-sim-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:24px;}
.skp-sim-summary{
  background:linear-gradient(160deg,var(--skp-ink) 0%,#111827 100%);
  border-radius:16px;padding:24px;color:#fff;position:relative;overflow:hidden;align-self:start;
  box-shadow:var(--skp-shadow-lg);
}
.skp-sim-summary::before{
  content:"";position:absolute;top:-40px;right:-40px;width:160px;height:160px;
  background:radial-gradient(circle,rgba(249,115,22,.35),transparent 70%);border-radius:50%;
}
.skp-sim-summary h3{color:#FFE4C4;font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px;position:relative;}
.skp-summary-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14px;position:relative;}
.skp-summary-row:last-of-type{border-bottom:none;}
.skp-summary-row span{color:#9CA3AF;}
.skp-summary-row b{font-weight:800;}
.skp-summary-hero{
  background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));
  border-radius:12px;padding:18px;margin:14px 0;text-align:center;position:relative;
}
.skp-summary-hero .skp-label{font-size:12px;color:rgba(255,255,255,.85);text-transform:uppercase;letter-spacing:.06em;}
.skp-summary-hero .skp-value{font-size:30px;font-weight:900;margin-top:4px;letter-spacing:-.02em;}
.skp-summary-hero .skp-sub{font-size:12px;color:rgba(255,255,255,.8);margin-top:4px;}
.skp-summary-note{font-size:11px;color:#9CA3AF;margin-top:12px;line-height:1.5;position:relative;}

/* ---------- ANGSURAN TABLE ---------- */
.skp-angsuran-wrap{margin-top:8px;border:1px solid var(--skp-line);border-radius:14px;overflow:hidden;}
.skp-angsuran-head{
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;
  padding:16px 20px;background:linear-gradient(135deg,#FFF7ED,#FFEDD5);border-bottom:1px solid var(--skp-line);
}
.skp-angsuran-head h3{font-size:16px;}
.skp-angsuran-head h3 span{font-size:12px;color:var(--skp-gray);font-weight:600;margin-left:8px;}
.skp-toggle-view{display:flex;gap:6px;background:#fff;padding:4px;border-radius:10px;border:1px solid var(--skp-line);}
.skp-toggle-view button{
  padding:7px 14px;border:none;background:transparent;border-radius:7px;font-weight:700;font-size:12px;
  cursor:pointer;color:var(--skp-gray);transition:.2s;
}
.skp-toggle-view button.active{background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));color:#fff;}
.skp-table-scroll{max-height:480px;overflow-y:auto;overflow-x:auto;}
.skp-table{width:100%;border-collapse:collapse;font-size:13px;min-width:640px;}
.skp-table thead th{
  position:sticky;top:0;background:var(--skp-ink);color:#fff;padding:12px 14px;
  text-align:right;font-weight:700;font-size:12px;letter-spacing:.03em;z-index:2;
}
.skp-table thead th:first-child{text-align:left;}
.skp-table tbody td{padding:10px 14px;border-bottom:1px solid #F3F4F6;text-align:right;}
.skp-table tbody td:first-child{text-align:left;font-weight:700;color:var(--skp-orange-dark);}
.skp-table tbody tr:nth-child(even){background:#FFF7ED;}
.skp-table tbody tr:hover{background:#FFEDD5;}
.skp-table .skp-year-row td{background:#FEF3C7 !important;font-weight:800;color:var(--skp-orange-dark);}
.skp-table .skp-fixed-tag{display:inline-block;background:var(--skp-orange);color:#fff;font-size:10px;padding:2px 8px;border-radius:999px;margin-left:6px;font-weight:700;}
.skp-table .skp-float-tag{display:inline-block;background:var(--skp-ink);color:#fff;font-size:10px;padding:2px 8px;border-radius:999px;margin-left:6px;font-weight:700;}

/* ---------- ACTIONS ---------- */
.skp-actions{margin-top:24px;text-align:center;}
.skp-action-bar{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:24px;}

/* ---------- SYARAT ---------- */
.skp-syarat-section{margin-bottom:20px;border:1px solid var(--skp-line);border-radius:12px;overflow:hidden;}
.skp-syarat-head{
  background:linear-gradient(135deg,var(--skp-orange),var(--skp-orange-dark));color:#fff;
  padding:14px 20px;font-weight:800;font-size:15px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;
}
.skp-syarat-head::after{content:"+";font-size:20px;font-weight:400;transition:.2s;}
.skp-syarat-section.open .skp-syarat-head::after{transform:rotate(45deg);}
.skp-syarat-body{padding:16px 20px;display:none;background:#FFFAF5;}
.skp-syarat-section.open .skp-syarat-body{display:block;}
.skp-syarat-body ul{margin:0;padding-left:20px;}
.skp-syarat-body li{margin-bottom:8px;font-size:14px;color:var(--skp-ink);line-height:1.6;}
.skp-syarat-body li::marker{color:var(--skp-orange);}

/* ---------- PRINT ---------- */
.skp-print-header{text-align:center;margin-bottom:20px;padding-bottom:16px;border-bottom:3px double var(--skp-orange);}
.skp-print-header h2{color:var(--skp-orange-dark);font-size:24px;}
.skp-print-header p{color:var(--skp-gray);font-size:13px;margin-top:6px;}
.skp-disclaimer{margin-top:20px;padding:14px;background:#FFFBEB;border-left:4px solid var(--skp-gold);font-size:12px;color:#92400E;border-radius:0 8px 8px 0;}

/* ---------- MODAL ---------- */
.skp-modal{display:none;position:fixed;inset:0;background:rgba(0,0,0,.6);z-index:99999;align-items:center;justify-content:center;padding:20px;}
.skp-modal.open{display:flex;}
.skp-modal-box{background:#fff;border-radius:16px;padding:28px;max-width:420px;width:100%;box-shadow:var(--skp-shadow-lg);animation:skp-fade .3s;}
.skp-modal-box h3{margin-bottom:10px;font-size:18px;}
.skp-modal-box p{font-size:13px;color:var(--skp-gray);margin-bottom:16px;}
.skp-modal-box input{width:100%;padding:12px 14px;border:2px solid var(--skp-line);border-radius:10px;font-size:14px;margin-bottom:8px;}
.skp-modal-actions{display:flex;gap:10px;margin-top:12px;}
.skp-modal-actions .skp-btn{flex:1;padding:11px;font-size:13px;}

/* ---------- FLOATING ---------- */
.skp-float{
  position:fixed;bottom:24px;right:24px;z-index:9999;
  display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;
  padding:14px 22px;border-radius:999px;font-weight:800;font-size:14px;
  box-shadow:0 10px 30px rgba(249,115,22,.45);transition:.25s;
}
.skp-float:hover{transform:translateY(-3px) scale(1.03);color:#fff;}

/* ---------- RESPONSIVE ---------- */
@media (max-width:768px){
  .skp-header{padding:20px;}
  .skp-logo h1{font-size:20px;}
  .skp-card{padding:20px;}
  .skp-sim-layout{grid-template-columns:1fr;}
  .skp-step{font-size:11px;min-width:90px;padding:12px 6px;}
  .skp-step span{width:22px;height:22px;font-size:11px;}
  .skp-action-bar .skp-btn{flex:1 1 100%;}
  .skp-float span{display:none;}
  .skp-float{padding:14px;}
  .skp-summary-hero .skp-value{font-size:24px;}
}

/* ---------- PRINT MEDIA ---------- */
@media print{
  body *{visibility:hidden;}
  #skp-print-area,#skp-print-area *{visibility:visible;}
  #skp-print-area{position:absolute;left:0;top:0;width:100%;padding:20px;}
  .skp-action-bar,.skp-steps,.skp-float,.skp-modal{display:none !important;}
  .skp-syarat-body{display:block !important;}
  .skp-table-scroll{max-height:none !important;overflow:visible !important;}
  .skp-table thead th{position:static !important;background:#333 !important;-webkit-print-color-adjust:exact;print-color-adjust:exact;}
  .skp-table tbody tr:nth-child(even){background:#f5f5f5 !important;-webkit-print-color-adjust:exact;print-color-adjust:exact;}
  .skp-syarat-head{background:#F97316 !important;color:#fff !important;-webkit-print-color-adjust:exact;print-color-adjust:exact;}
}