*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Segoe UI',system-ui,sans-serif;color:#1a1a1a;background:#f7f9fc;font-size:16px;line-height:1.7}
a{color:#0d6efd;text-decoration:none}
a:hover{text-decoration:underline}
nav{background:#fff;border-bottom:1px solid #e8e8e8;position:sticky;top:0;z-index:100;padding:12px 0}
.nav-inner{max-width:1100px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between}
.nav-cta{background:#0d6efd;color:#fff!important;padding:8px 18px;border-radius:8px;font-size:14px;font-weight:600;border:none;cursor:pointer}
.nav-cta:hover{background:#0b5ed7}
.page-wrap{max-width:1100px;margin:0 auto;padding:32px 20px;display:grid;grid-template-columns:1fr 320px;gap:32px;align-items:start}
@media(max-width:860px){.page-wrap{grid-template-columns:1fr}}
article{background:#fff;border-radius:14px;border:1px solid #e0e8f4;padding:40px;min-width:0}
@media(max-width:600px){article{padding:24px 18px}}
.breadcrumb{font-size:13px;color:#888;margin-bottom:20px}
.breadcrumb a{color:#0d6efd}
.breadcrumb span{color:#0d6efd}
.article-meta{display:flex;align-items:center;gap:16px;margin-bottom:24px;flex-wrap:wrap}
.meta-cat{background:#e8f0ff;color:#0d2060;border-radius:20px;padding:4px 14px;font-size:12px;font-weight:700}
.meta-date,.meta-read,.meta-update{font-size:13px;color:#888}

/* E-E-A-T AUTHOR BOX */
.eeat-box{background:#f0f6ff;border:1px solid #c8dcf8;border-radius:14px;padding:20px 24px;margin-bottom:28px;display:flex;gap:16px;align-items:flex-start}
.eeat-avatar{width:56px;height:56px;border-radius:50%;background:#0d6efd;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0}
.eeat-info strong{display:block;font-size:15px;font-weight:700;color:#0d2060;margin-bottom:2px}
.eeat-info .eeat-title{font-size:12px;color:#0d6efd;font-weight:600;margin-bottom:6px}
.eeat-info p{font-size:13px;color:#555;line-height:1.6}
.eeat-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:8px}
.eeat-badge{background:#e8f0ff;color:#0d2060;border-radius:20px;padding:3px 10px;font-size:11px;font-weight:700}

h1{font-size:clamp(22px,4vw,34px);font-weight:800;color:#0d2060;line-height:1.25;margin-bottom:16px}
.article-lead{font-size:17px;color:#444;line-height:1.75;margin-bottom:28px;padding-bottom:28px;border-bottom:1px solid #f0f0f0}

/* KEY TAKEAWAY */
.key-takeaway{background:#fffbe6;border:1px solid #ffe58f;border-left:4px solid #f59e0b;border-radius:10px;padding:16px 20px;margin:20px 0}
.key-takeaway strong{display:block;font-size:14px;font-weight:700;color:#92400e;margin-bottom:8px}
.key-takeaway ul{padding-left:18px;font-size:14px;color:#78350f}
.key-takeaway ul li{margin-bottom:4px}

.toc{background:#e8f0ff;border:1px solid #c8dcf8;border-radius:12px;padding:20px 24px;margin-bottom:32px}
.toc-title{font-size:14px;font-weight:700;color:#0d2060;margin-bottom:12px}
.toc ol{padding-left:18px}
.toc ol li{font-size:14px;margin-bottom:6px}
.toc ol li a{color:#0d6efd;font-weight:500}
.article-body h2{font-size:22px;font-weight:800;color:#0d2060;margin:36px 0 14px;padding-top:8px}
.article-body h3{font-size:17px;font-weight:700;color:#0d2060;margin:24px 0 10px}
.article-body p{color:#333;margin-bottom:14px;line-height:1.8}
.article-body ul,.article-body ol{padding-left:22px;margin-bottom:16px;color:#333}
.article-body ul li,.article-body ol li{margin-bottom:8px;line-height:1.7}
.article-body strong{color:#0d2060;font-weight:700}
.info-box{border-radius:10px;padding:16px 20px;margin:20px 0;font-size:14px;line-height:1.7}
.info-box.blue{background:#e8f0ff;border:1px solid #c8dcf8;color:#0d2060}
.info-box.green{background:#f0faf4;border:1px solid #bbf7d0;color:#166534}
.info-box.yellow{background:#fffbe6;border:1px solid #ffe58f;color:#7c5800}
.info-box.red{background:#fff0f0;border:1px solid #ffc9c9;color:#7c1a1a}

/* MEGA COMPARE TABLE */
.table-wrap{overflow-x:auto;margin:20px 0}
table{width:100%;border-collapse:collapse;font-size:14px}
.compare-table th:first-child{background:#475569;color:#fff;padding:12px 14px;text-align:left;font-weight:600}
.compare-table th.cv-head{background:#16a34a;color:#fff;padding:12px 14px;text-align:center;font-weight:700}
.compare-table th.pt-head{background:#0d6efd;color:#fff;padding:12px 14px;text-align:center;font-weight:700}
.compare-table td{padding:11px 14px;border-bottom:1px solid #e8eef8;color:#333;vertical-align:middle}
.compare-table td.aspect{font-weight:600;color:#0d2060;background:#f8fafc}
.compare-table td.cv-val{text-align:center;color:#166534;background:#f0faf4}
.compare-table td.pt-val{text-align:center;color:#0d2060;background:#f0f6ff}
.cv-win{background:#dcfce7!important;color:#166534!important;font-weight:700}
.pt-win{background:#dbeafe!important;color:#1e40af!important;font-weight:700}

/* VISUAL COMPARE CARDS */
.vc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:16px;overflow:hidden;border:2px solid #e0e8f4;margin:20px 0}
@media(max-width:560px){.vc-wrap{grid-template-columns:1fr}}
.vc-cv{background:#f0faf4;border-right:1px solid #e0e8f4}
.vc-pt{background:#f0f6ff}
.vc-head{padding:20px;text-align:center;border-bottom:1px solid rgba(0,0,0,.07)}
.vc-cv .vc-head{background:#16a34a}
.vc-pt .vc-head{background:#0d6efd}
.vc-head h3{font-size:20px;font-weight:900;color:#fff;letter-spacing:1px}
.vc-head p{font-size:12px;color:rgba(255,255,255,.85);margin-top:4px}
.vc-body{padding:20px}
.vc-item{display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-bottom:1px solid rgba(0,0,0,.05)}
.vc-item:last-child{border-bottom:none}
.vc-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;margin-top:6px}
.vc-cv .vc-dot{background:#16a34a}
.vc-pt .vc-dot{background:#0d6efd}
.vc-item p{font-size:13px;color:#333;line-height:1.5}
.vc-item strong{color:#0d2060}

/* SCENARIO BOXES */
.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
@media(max-width:560px){.scenario-grid{grid-template-columns:1fr}}
.scenario-card{border-radius:12px;padding:20px;border:2px solid}
.scenario-card.cv{background:#f0faf4;border-color:#16a34a}
.scenario-card.pt{background:#e8f0ff;border-color:#0d6efd}
.scenario-head{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.sc-icon{font-size:28px}
.scenario-card h4{font-size:16px;font-weight:800;color:#0d2060}
.scenario-card h4 span{display:block;font-size:12px;font-weight:500;color:#666;margin-top:2px}
.scenario-list{list-style:none;padding:0}
.scenario-list li{display:flex;gap:8px;font-size:13px;color:#333;padding:5px 0;border-bottom:1px solid rgba(0,0,0,.05);line-height:1.5}
.scenario-list li:last-child{border-bottom:none}
.sl-dot{font-size:14px;flex-shrink:0}

/* EXPERIENCE BOX */
.experience-box{background:#fff;border:1px solid #e0e8f4;border-radius:14px;padding:22px;margin:20px 0}
.exp-header{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.exp-icon{width:44px;height:44px;border-radius:12px;background:#e8f0ff;border:1px solid #c8dcf8;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.exp-header h3{font-size:15px;font-weight:700;color:#0d2060;margin:0}
.exp-header span{display:block;font-size:12px;color:#888;margin-top:2px}
.exp-quote{font-size:14px;color:#444;line-height:1.8;font-style:italic;padding:14px 16px;background:#f7f9fc;border-radius:8px;border-left:3px solid #0d6efd}
.exp-name{font-size:13px;color:#0d6efd;font-weight:600;margin-top:10px}

/* DECISION FLOWCHART */
.decision-tree{background:#f7f9fc;border:1px solid #e0e8f4;border-radius:14px;padding:24px;margin:20px 0}
.decision-tree h3{font-size:16px;font-weight:700;color:#0d2060;margin-bottom:20px;text-align:center}
.dt-question{background:#0d6efd;color:#fff;border-radius:10px;padding:14px 18px;font-size:14px;font-weight:600;text-align:center;margin-bottom:12px}
.dt-answers{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.dt-answer{border-radius:8px;padding:12px 14px;font-size:13px;text-align:center}
.dt-answer.yes{background:#dcfce7;color:#166534;border:1px solid #bbf7d0;font-weight:600}
.dt-answer.no{background:#dbeafe;color:#1e40af;border:1px solid #bfdbfe;font-weight:600}
.dt-result{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.dt-res{border-radius:10px;padding:14px;text-align:center}
.dt-res.cv{background:#16a34a;color:#fff}
.dt-res.pt{background:#0d6efd;color:#fff}
.dt-res strong{display:block;font-size:16px;font-weight:900;letter-spacing:1px;margin-bottom:4px}
.dt-res span{font-size:12px;opacity:.9}

/* PAJAK */
.pajak-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
@media(max-width:560px){.pajak-grid{grid-template-columns:1fr}}
.pajak-card{border-radius:12px;padding:18px;border:1px solid}
.pajak-card.cv{background:#f0faf4;border-color:#bbf7d0}
.pajak-card.pt{background:#e8f0ff;border-color:#c8dcf8}
.pajak-card h4{font-size:15px;font-weight:800;margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid rgba(0,0,0,.07)}
.pajak-card.cv h4{color:#166534}
.pajak-card.pt h4{color:#0d2060}
.pajak-row{font-size:13px;color:#444;padding:6px 0;border-bottom:1px solid rgba(0,0,0,.04)}
.pajak-row:last-child{border-bottom:none}
.pajak-label{font-weight:600;color:#333;margin-bottom:2px}
.pajak-val{color:#666}

/* FAQ */
.faq-item{background:#fff;border:1px solid #e0e8f4;border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 18px;font-size:15px;font-weight:600;color:#0d2060;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q:hover{background:#f0f6ff}
.faq-arrow{font-size:16px;transition:transform .3s;flex-shrink:0}
.faq-a{display:none;padding:0 18px 16px;font-size:14px;color:#444;line-height:1.75}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-arrow{transform:rotate(180deg)}

/* AUTHOR BOTTOM */
.author-box-bottom{background:#e8f0ff;border:1px solid #c8dcf8;border-radius:14px;padding:24px;margin-top:36px}
.author-flex{display:flex;gap:16px;align-items:flex-start}
.author-avatar-lg{width:64px;height:64px;border-radius:50%;background:#0d6efd;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;flex-shrink:0}
.author-meta strong{display:block;font-size:15px;color:#0d2060;margin-bottom:3px}
.author-meta .role{font-size:12px;color:#0d6efd;font-weight:600;margin-bottom:8px}
.author-meta p{font-size:13px;color:#555;line-height:1.6}
.author-stats{display:flex;gap:12px;margin-top:12px;flex-wrap:wrap}
.a-stat{text-align:center;background:#fff;border:1px solid #c8dcf8;border-radius:8px;padding:8px 14px}
.a-stat strong{display:block;font-size:18px;font-weight:800;color:#0d6efd}
.a-stat span{font-size:11px;color:#666}

.share-wrap{display:flex;align-items:center;gap:10px;margin-top:28px;padding-top:20px;border-top:1px solid #f0f0f0;flex-wrap:wrap}
.share-label{font-size:13px;color:#888;font-weight:600}
.share-btn{padding:7px 16px;border-radius:8px;font-size:13px;font-weight:600;border:none;cursor:pointer}
.share-wa{background:#25d366;color:#fff}
.share-copy{background:#f0f0f0;color:#333}
.cta-inline{background:#0d2060;border-radius:12px;padding:28px;margin:32px 0;text-align:center}
.cta-inline h3{font-size:20px;font-weight:800;color:#fff;margin-bottom:8px}
.cta-inline p{font-size:14px;color:#cbd5e1;margin-bottom:20px;line-height:1.6}
.btn-wa-center{display:inline-flex;align-items:center;gap:8px;background:#25d366;color:#fff;border:none;border-radius:10px;padding:13px 28px;font-size:15px;font-weight:700;cursor:pointer}
.btn-wa-center:hover{background:#1ebe5d}

/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:20px}
.sidebar-card{background:#fff;border:1px solid #e0e8f4;border-radius:14px;padding:22px}
.sidebar-card h3{font-size:16px;font-weight:800;color:#0d2060;margin-bottom:14px}
.cta-card{background:#0d2060;border-radius:14px;padding:24px}
.cta-card h3{font-size:17px;font-weight:800;color:#fff;margin-bottom:8px}
.cta-card p{font-size:13px;color:#cbd5e1;margin-bottom:16px;line-height:1.6}
.btn-wa{width:100%;background:#25d366;color:#fff;border:none;border-radius:10px;padding:13px;font-size:14px;font-weight:700;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px}
.btn-wa:hover{background:#1ebe5d}
.quick-compare{list-style:none;padding:0}
.qc-item{padding:8px 0;border-bottom:1px solid #f0f0f0;font-size:13px}
.qc-item:last-child{border-bottom:none}
.qc-label{font-weight:600;color:#0d2060;margin-bottom:4px;font-size:12px;text-transform:uppercase;letter-spacing:.5px}
.qc-vals{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin-top:4px}
.qc-cv{background:#f0faf4;color:#166534;border-radius:6px;padding:4px 8px;font-size:12px;font-weight:600;text-align:center}
.qc-pt{background:#e8f0ff;color:#0d2060;border-radius:6px;padding:4px 8px;font-size:12px;font-weight:600;text-align:center}
.paket-mini{margin-bottom:10px;padding:12px;background:#f0f6ff;border-radius:8px;border:1px solid #c8dcf8}
.paket-mini-name{font-size:13px;font-weight:700;color:#0d2060;margin-bottom:2px}
.paket-mini-price{font-size:16px;font-weight:800;color:#0d6efd}
.paket-mini-old{font-size:11px;color:#999;text-decoration:line-through}
.btn-paket-mini{width:100%;background:#0d6efd;color:#fff;border:none;border-radius:8px;padding:10px;font-size:13px;font-weight:700;cursor:pointer;margin-top:10px}
.btn-paket-mini:hover{background:#0b5ed7}
.related-item{display:flex;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0}
.related-item:last-child{border-bottom:none}
.related-num{width:28px;height:28px;background:#e8f0ff;color:#0d6efd;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;flex-shrink:0}
.related-text{font-size:13px;color:#0d6efd;font-weight:500;line-height:1.4}
footer{background:#0d2060;color:#fff;padding:24px 0;text-align:center;font-size:13px;opacity:.9;margin-top:40px}
footer a{color:#93c5fd}
.wa-float{position:fixed;bottom:24px;right:24px;z-index:999;background:#25d366;color:#fff;border-radius:50px;padding:13px 20px;display:flex;align-items:center;gap:10px;font-size:14px;font-weight:700;box-shadow:0 4px 20px rgba(37,211,102,.4);cursor:pointer;border:none}
.wa-float:hover{background:#1ebe5d}