/* BPR Sinar Mas Pelita — bank theme (reskin over Blackquin backend) */

:root{
  --navy:#01317d;
  --navy-dark:#011e4c;
  --navy-text:#012b6f;
  --navy-2:#0243ac;
  --gold:#ffc20a;
  --gold-dark:#956a04;
  --gold-darker:#77500d;
  --cream:#fbf5e4;
  --cream-2:#fdfaf2;
  --cream-3:#f3e4ba;
  --gray-bg:#f2f5f8;
  --gray-bg-2:#f9fafb;
  --gray-text:#607080;
  --border:#d1d8e0;
  --white:#ffffff;
  --radius-lg:18px;
  --radius-md:12px;
  --radius-sm:8px;
}

html{ scroll-behavior:smooth; }
body.bank-theme{
  font-family:'DM Sans', Arial, sans-serif;
  color:var(--navy-text);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
}
.bank-theme h1,.bank-theme h2,.bank-theme h3,.bank-theme h4,.bank-theme h5{
  font-family:'Manrope', Arial, sans-serif;
  color:var(--navy);
  font-weight:800;
  margin:0;
}
.bank-theme a{ text-decoration:none; }
.bank-theme .container{ max-width:1220px; }

/* ---------- utility ---------- */
.bt-eyebrow{
  display:inline-block;
  font-size:13px;
  font-weight:700;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:14px;
}
.bt-eyebrow.on-navy{ color:var(--cream-3); }
.bt-section{ padding:88px 0; }
.bt-section.tight{ padding:56px 0; }
.bt-muted{ color:var(--gray-text); font-size:16px; line-height:1.7; }

.bt-btn{
  display:inline-flex; align-items:center; gap:10px;
  font-weight:700; font-size:15px;
  padding:14px 26px; border-radius:999px;
  transition:all .2s ease; border:1.5px solid transparent; white-space:nowrap;
}
.bt-btn svg,.bt-btn i{ font-size:14px; }
.bt-btn-gold{ background:var(--gold); color:var(--navy-dark); }
.bt-btn-gold:hover{ background:var(--gold-dark); color:var(--navy-dark); }
.bt-btn-outline-light{ border-color:rgba(255,255,255,.4); color:var(--white); }
.bt-btn-outline-light:hover{ border-color:var(--white); background:rgba(255,255,255,.08); color:var(--white); }
.bt-btn-outline-navy{ border-color:var(--border); color:var(--navy); }
.bt-btn-outline-navy:hover{ border-color:var(--navy); background:var(--navy); color:var(--white); }
.bt-link-arrow{ font-weight:700; color:var(--navy); display:inline-flex; align-items:center; gap:6px; }
.bt-link-arrow:hover{ color:var(--gold-dark); }
.bt-link-arrow.on-navy{ color:var(--white); }
.bt-link-arrow.on-navy:hover{ color:var(--cream-3); }

/* ---------- header ---------- */
.bt-header{
  position:sticky; top:0; z-index:120;
  background:var(--navy);
}
.bt-header__inner{
  display:flex; align-items:center; justify-content:space-between;
  width:100%; margin:0; padding:0 40px; height:90px; gap:18px;
  position:relative;
}
.bt-header__logo{ display:flex; align-items:center; flex:none; }
.bt-header__logo img{ height:48px; width:auto; display:block; }

.bt-header__right{ display:flex; align-items:center; gap:36px; }

.bt-nav{ display:flex; align-items:center; gap:20px; }
.bt-nav > a{ font-weight:600; font-size:14px; color:var(--white); font-family:'DM Sans',sans-serif; }
.bt-nav > a:hover{ color:var(--gold); }

.bt-nav-item{ position:relative; }
.bt-nav-item > summary{
  list-style:none; cursor:pointer; font-weight:600; font-size:14px; color:var(--white);
  font-family:'DM Sans',sans-serif; display:flex; align-items:center; gap:7px;
}
.bt-nav-item > summary::-webkit-details-marker{ display:none; }
.bt-nav-item > summary::after{
  content:""; width:7px; height:7px; border-right:1.6px solid var(--white); border-bottom:1.6px solid var(--white);
  transform:rotate(45deg); margin-top:-4px; transition:transform .15s ease;
}
.bt-nav-item[open] > summary::after{ transform:rotate(-135deg); margin-top:2px; }
.bt-nav-item:hover > summary{ color:var(--gold); }
.bt-nav-item:hover > summary::after{ border-color:var(--gold); }

.dropdown{
  position:absolute; top:calc(100% + 14px); left:0; z-index:10;
  background:var(--white); border:0.8px solid #e3e7ec; border-radius:12px;
  box-shadow:0 18px 55px rgba(16,46,80,.16);
  padding:14px; min-width:245px; display:flex; flex-direction:column;
}
.dropdown.wide{ min-width:300px; display:grid; grid-template-columns:1fr 1fr; gap:0 8px; }
.dropdown a{ font-size:14px; color:var(--navy-text); padding:9px 12px; border-radius:8px; display:block; }
.dropdown a:hover{ background:var(--gray-bg); color:var(--gold-dark); }

/* collapse dropdown by default; open via [open] attribute (details) or hover */
.bt-nav-item > .dropdown{ display:none; }
.bt-nav-item[open] > .dropdown{ display:flex; }
.bt-nav-item[open] > .dropdown.wide{ display:grid; }

.bt-header__cta{
  display:inline-flex; align-items:center; gap:22px; flex:none;
  background:var(--white); color:var(--navy); font-weight:700; font-size:14px;
  padding:11px 20px; border-radius:999px;
}
.bt-header__cta:hover{ background:var(--gold); color:var(--navy); }

.bt-header__utils{ display:flex; align-items:center; gap:18px; flex:none; }

.bt-search{ position:relative; }
.bt-search__toggle{
  width:34px; height:34px; border-radius:50%; border:none; background:transparent; color:var(--white);
  display:flex; align-items:center; justify-content:center; cursor:pointer; transition:background .15s ease;
}
.bt-search__toggle:hover{ background:rgba(255,255,255,.1); }
.bt-search__box{
  position:absolute; top:calc(100% + 14px); right:0; z-index:10; display:none;
  background:var(--white); border-radius:10px; box-shadow:0 18px 55px rgba(16,46,80,.16);
  padding:8px; gap:6px; min-width:280px;
}
.bt-search.open .bt-search__box{ display:flex; }
.bt-search__box input{
  flex:1; border:none; outline:none; font-size:14px; font-family:'DM Sans',sans-serif; padding:8px 10px; color:var(--navy-text);
}
.bt-search__box button{
  width:36px; height:36px; border-radius:8px; border:none; background:var(--gold); color:var(--navy);
  display:flex; align-items:center; justify-content:center; cursor:pointer; flex:none;
}

.bt-lang{ display:flex; align-items:center; gap:6px; color:var(--white); font-size:13px; font-weight:600; }
.bt-lang__id, .bt-lang__en{ color:var(--white); opacity:.45; text-decoration:none; }
.bt-lang__id:hover, .bt-lang__en:hover{ opacity:.8; color:var(--white); }
.bt-lang__id.is-active, .bt-lang__en.is-active{ opacity:1; }
.bt-lang__sep{ opacity:.4; }
.bt-lang--mobile{ display:flex; align-items:center; gap:8px; padding:14px 0; }
.bt-lang--mobile .bt-lang__id, .bt-lang--mobile .bt-lang__en{ color:inherit; }

.bt-burger{
  display:none; width:40px; height:44px; border-radius:6px; border:0.8px solid rgba(255,255,255,.25);
  align-items:center; justify-content:center; cursor:pointer; background:transparent; font-size:18px; color:var(--white);
  flex:none;
}

.bt-nav-mobile{ display:none; }

@media (max-width:1240px){
  .bt-header__inner{ padding:0 20px; height:80px; }
  .bt-header__right{ display:none; }
  .bt-burger{ display:flex; }
  .bt-nav-mobile.open{
    display:block; position:absolute; top:80px; left:0; right:0;
    background:var(--white); box-shadow:0 20px 30px rgba(0,0,0,.133);
    padding:25px; z-index:50;
  }
  .bt-nav-mobile a, .bt-nav-mobile summary{
    display:flex; align-items:center; justify-content:space-between;
    font-weight:600; font-size:16px; color:var(--navy-text); padding:13px 0;
    border-bottom:1px solid var(--gray-bg); cursor:pointer; list-style:none;
  }
  .bt-nav-mobile summary::-webkit-details-marker{ display:none; }
  .bt-nav-mobile summary::after{
    content:""; width:7px; height:7px; border-right:1.6px solid var(--navy-text); border-bottom:1.6px solid var(--navy-text);
    transform:rotate(45deg);
  }
  .bt-nav-mobile details[open] summary::after{ transform:rotate(-135deg); }
  .bt-nav-mobile details .dropdown{
    position:static; box-shadow:none; border:none; padding:0 0 8px 12px; min-width:0; display:block;
  }
  .bt-nav-mobile details .dropdown a{ border:none; padding:10px 0; font-size:15px; }
  .bt-nav-mobile .bt-header__cta{ display:flex; justify-content:center; margin-top:16px; width:100%; }
}

/* ---------- hero ---------- */
.bt-hero{
  background:linear-gradient(180deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:var(--white); position:relative; overflow:hidden;
  padding:56px 0 80px;
}
.bt-hero__grid{ display:grid; grid-template-columns:1fr 1fr; gap:44px; align-items:center; }
.bt-hero h1{ color:var(--white); font-size:54px; line-height:1.125; }
.bt-hero h1 em, .bt-hero h1 span{ color:var(--cream-3); font-style:normal; }
.bt-hero p.lead{ color:var(--cream-3); opacity:.85; font-size:16px; line-height:1.7; max-width:480px; margin:22px 0 30px; }
.bt-hero__ctas{ display:flex; gap:14px; flex-wrap:wrap; }
.bt-hero__bottom{ display:flex; align-items:center; gap:12px; margin-top:37px; font-size:12px; color:var(--cream-2); }
.bt-hero__bottom .gold-line{ width:38px; height:1px; background:var(--gold); display:inline-block; }
.bt-hero__figure{ position:relative; overflow:visible; }
.bt-hero__figure img{ width:100%; height:412px; display:block; object-fit:cover; border-radius:90px 12px; }
.bt-hero__badge{
  position:absolute; left:-28px; bottom:15px; background:var(--white);
  border-radius:9px; padding:16px 23px; display:flex; align-items:center; gap:16px;
  box-shadow:0 12px 30px rgba(0,0,0,.133); max-width:280px;
}
.bt-hero__badge .tag{ font-family:'Manrope',sans-serif; font-weight:800; font-size:29px; color:var(--navy); flex:none; }
.bt-hero__badge .tag.word{ font-size:23px; }
.bt-hero__badge .txt{ font-size:12px; font-weight:400; color:var(--gray-text); line-height:1.6; }
.bt-hero__dots{ display:flex; gap:10px; align-items:center; margin-top:30px; }
.bt-hero__dots .dot{ width:9px; height:9px; border-radius:50%; background:rgba(255,255,255,.3); cursor:pointer; border:none; padding:0; }
.bt-hero__dots .dot.active{ background:var(--gold); }
.bt-hero__counter{ font-size:12px; color:var(--cream-3); opacity:.7; margin:0 6px; }
.bt-hero__arrows{ display:flex; gap:10px; }
.bt-hero__arrows button{
  width:34px; height:34px; border-radius:50%; border:1px solid rgba(255,255,255,.3);
  background:transparent; color:var(--white); display:flex; align-items:center; justify-content:center; cursor:pointer;
}
.bt-hero__arrows button:hover{ background:rgba(255,255,255,.1); }

/* quick-links floating cards */
.bt-quicklinks{ margin-top:-40px; position:relative; z-index:5; padding:0 40px; }
.bt-quicklinks__grid{
  display:grid; grid-template-columns:repeat(4,1fr); gap:16px;
  max-width:1220px; margin:0 auto;
}
.bt-quicklinks a{
  position:relative; display:flex; flex-direction:column; justify-content:flex-end;
  background:var(--navy); border:1.5px solid rgba(255,255,255,.45); border-radius:14px;
  padding:20px; min-height:132px; color:var(--white); font-weight:700; font-size:14.5px;
  transition:background .15s ease;
}
.bt-quicklinks a:hover{ background:var(--navy-2); color:var(--white); }
.bt-quicklinks .ic{
  width:42px; height:42px; border-radius:50%; background:var(--white); color:var(--navy);
  display:flex; align-items:center; justify-content:center; flex:none; margin-bottom:18px;
}
.bt-quicklinks .ic svg{ width:20px; height:20px; }
.bt-quicklinks .label{ padding-right:34px; line-height:1.35; }
.bt-quicklinks .go{
  position:absolute; right:16px; bottom:16px; width:30px; height:30px; border-radius:50%;
  background:var(--white); color:var(--navy); display:flex; align-items:center; justify-content:center; flex:none;
}

@media (max-width:900px){
  .bt-hero{ padding:40px 0 70px; }
  .bt-hero__grid{ grid-template-columns:1fr; }
  .bt-hero h1{ font-size:36px; }
  .bt-quicklinks{ padding:0 20px; }
  .bt-quicklinks__grid{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width:560px){
  .bt-quicklinks__grid{ grid-template-columns:1fr; }
}

/* ---------- solutions / tabs ---------- */
.bt-solutions__head{ display:flex; justify-content:space-between; align-items:flex-end; gap:24px; flex-wrap:wrap; margin-bottom:36px; }
.bt-solutions h2{ font-size:38px; line-height:1.2; max-width:520px; }
.bt-tabs{ display:flex; gap:34px; border-bottom:1px solid var(--border); margin-bottom:34px; }
.bt-tabs button{
  background:none; border:none; padding:14px 2px; font-weight:700; font-size:15.5px; color:var(--gray-text);
  border-bottom:3px solid transparent; margin-bottom:-1px; cursor:pointer;
}
.bt-tabs button.active{ color:var(--navy); border-color:var(--gold); }

.bt-cards-grid{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:24px; }
.bt-card{
  border:0.8px solid var(--border); border-radius:12px; padding:28px;
  background:var(--white); transition:box-shadow .2s ease, transform .2s ease;
}
.bt-card:hover{ box-shadow:0 22px 40px rgba(10,32,59,.1); transform:translateY(-2px); }
.bt-card .ic{
  width:46px; height:46px; border-radius:50%; background:var(--gold); color:var(--navy);
  display:flex; align-items:center; justify-content:center; margin-bottom:0;
}
.bt-card .ic svg{ width:24px; height:24px; }
.bt-card .badge{
  display:inline-block; font-size:11px; font-weight:650; letter-spacing:.03em;
  background:var(--cream); color:var(--gold-darker); padding:4px 9px; border-radius:4px; margin-top:14px;
}
.bt-card h4{ font-family:'Manrope',sans-serif; font-weight:750; font-size:23px; margin:19px 0 0; color:var(--navy); }
.bt-card p{ color:var(--gray-text); font-size:14px; line-height:25.2px; margin:10px 0 24px; }
.bt-card .bt-link-arrow{ font-size:13px; font-weight:700; color:var(--navy); gap:20px; }
.bt-card--dark{ background:var(--navy); border-color:var(--navy); color:var(--white); }
.bt-card--dark h4{ color:var(--white); }
.bt-card--dark p{ color:var(--cream-3); }
.bt-card--dark .ic{ background:var(--gold); color:var(--navy); }
.bt-card--dark .badge{ background:var(--cream); color:var(--gold-darker); }
.bt-card--dark .bt-link-arrow{ color:var(--cream-3); }

@media (max-width:991px){ .bt-cards-grid{ grid-template-columns:repeat(2,minmax(0,1fr)); } }
@media (max-width:600px){ .bt-cards-grid{ grid-template-columns:1fr; } }

/* ---------- product filter tabs (Semua produk / Simpanan / Kredit) ---------- */
.bt-product-tabs{ display:flex; gap:8px; border-bottom:0.8px solid var(--border); margin-bottom:30px; }
.bt-product-tabs button{
  background:none; border:none; padding:14px 24px; font-weight:600; font-size:14px; color:var(--gray-text);
  border-bottom:2.4px solid transparent; margin-bottom:-1px; cursor:pointer; font-family:'DM Sans',sans-serif;
}
.bt-product-tabs button.active{ color:var(--navy); border-color:var(--gold); }

.bt-center{ text-align:center; margin-top:40px; }

/* ---------- story ---------- */
.bt-story{ background:var(--gray-bg-2); }
.bt-story__grid{ display:grid; grid-template-columns:1fr 1fr; gap:50px; align-items:center; }
.bt-story h2{ font-size:36px; margin-bottom:18px; }
.bt-story__stats{ display:flex; gap:40px; margin-top:30px; }
.bt-story__stats .num{ font-family:'Manrope',sans-serif; font-size:34px; font-weight:800; color:var(--navy); }
.bt-story__stats .lbl{ font-size:13.5px; color:var(--gray-text); font-weight:600; max-width:140px; }

/* ---------- secondary carousel "pilihan untuk anda" ---------- */
.bt-picks{ background:var(--navy); color:var(--white); }
.bt-picks .bt-eyebrow{ color:var(--cream-3); }
.bt-picks__head{ display:flex; justify-content:space-between; align-items:center; margin-bottom:40px; }
.bt-picks h2{ color:var(--white); font-size:30px; max-width:440px; }
.bt-picks__track{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.bt-picks__card{
  background:rgba(255,255,255,.04); border:1px solid rgba(255,255,255,.12); border-radius:var(--radius-lg);
  padding:34px 28px; min-height:230px; display:flex; flex-direction:column; justify-content:flex-end;
}
.bt-picks__card .bt-eyebrow{ margin-bottom:auto; }
.bt-picks__card h3{ color:var(--white); font-size:23px; margin:14px 0 10px; }
.bt-picks__card p{ color:var(--cream-3); opacity:.8; font-size:14px; margin-bottom:16px; }
@media (max-width:991px){ .bt-picks__track{ grid-template-columns:1fr; } }

/* ---------- product detail page ---------- */
.bt-detail-hero{ background:linear-gradient(180deg,var(--navy) 0%,var(--navy-dark) 100%); color:var(--white); padding:0 0 60px; }
.bt-detail-hero .crumb{ font-size:13.5px; color:var(--cream-3); opacity:.7; padding:26px 0 30px; }
.bt-detail-hero .crumb a{ color:var(--cream-3); }
.bt-detail-grid{ display:grid; grid-template-columns:63% 37%; gap:60px; align-items:center; }
.bt-detail-hero .eyebrow{ font-size:12px; color:var(--cream-3); font-weight:700; text-transform:uppercase; letter-spacing:1.8px; margin-bottom:18px; display:block; }
.bt-detail-hero h1{ font-size:44px; line-height:1.22; color:var(--white); margin-bottom:16px; }
.bt-detail-hero .lead{ font-size:16px; color:var(--cream-3); margin-bottom:28px; }
.bt-detail-visual{
  background:rgba(255,255,255,.035); border:0.8px solid rgba(255,255,255,.125); border-radius:16px; padding:35px;
}
.bt-detail-visual .icon-box{ width:55px; height:55px; color:var(--gold); margin-bottom:22px; }
.bt-detail-visual .icon-box svg{ width:55px; height:55px; }
.bt-detail-visual strong{ display:block; font-family:'Manrope',sans-serif; font-weight:700; font-size:26px; color:var(--white); }
.bt-detail-visual p{ font-size:14px; color:var(--cream-3); margin-top:16px; }

.bt-subnav{ display:flex; gap:30px; border-bottom:0.8px solid var(--border); }
.bt-subnav a{ font-size:14px; font-weight:400; color:var(--navy-text); padding:21px 0; border-bottom:2.4px solid transparent; margin-bottom:-1px; }
.bt-subnav a:hover{ color:var(--gold-dark); }
.bt-subnav a.active{ font-weight:700; border-color:var(--gold); }

.bt-two-col{ display:grid; grid-template-columns:70% 27%; gap:55px; align-items:start; }
.bt-two-col > *{ min-width:0; }
.bt-content-block{ margin-bottom:50px; scroll-margin-top:25px; }
.bt-content-block .eyebrow{ color:var(--gold-darker); font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:.04em; margin-bottom:14px; display:block; }
.bt-content-block h2{ font-size:29px; margin:0 0 20px; }
.bt-feature-list{ list-style:none; padding:0; margin-top:28px; display:flex; flex-direction:column; gap:18px; }
.bt-feature-list li{ display:flex; gap:15px; }
.bt-feature-list .check{ color:var(--gold-darker); font-size:16px; flex:none; }
.bt-feature-list strong{ font-size:16px; color:var(--gray-text); font-weight:700; }
.bt-feature-list p{ font-size:16px; color:var(--gray-text); margin-top:4px; }
.bt-content-block ul:not(.bt-feature-list){ padding-left:0; list-style:none; }
.bt-content-block ul:not(.bt-feature-list) li{ font-size:15px; color:var(--gray-text); line-height:1.7; padding:12px 0; border-bottom:1px solid var(--border); }
.bt-content-block ul:not(.bt-feature-list) li strong{ color:var(--navy-text); }
.bt-content-block .meta{ font-size:12.5px; color:var(--gray-text); margin-top:18px; }

.bt-steps{ display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:20px; }
.bt-steps .step span{ font-size:14px; color:#9c783e; }
.bt-steps .step h3{ font-size:17px; margin:24px 0 12px; }
.bt-steps .step p{ font-size:14px; color:var(--gray-text); }

.bt-faq details{ border-bottom:0.8px solid var(--border); padding:20px 0; }
.bt-faq summary{ font-size:16px; font-weight:600; color:var(--navy); cursor:pointer; list-style:none; }
.bt-faq summary::-webkit-details-marker{ display:none; }
.bt-faq p{ font-size:14.5px; color:var(--gray-text); margin-top:12px; }

.bt-sidebar{
  background:var(--gray-bg); border:0.8px solid var(--border); border-radius:12px; padding:30px;
  position:sticky; top:25px;
}
.bt-sidebar .icon-box{ width:46px; height:46px; background:var(--gold); border-radius:50%; color:var(--navy); display:flex; align-items:center; justify-content:center; }
.bt-sidebar .icon-box svg{ width:22px; height:22px; }
.bt-sidebar h3{ font-size:21px; margin:22px 0 12px; }
.bt-sidebar p{ font-size:14px; color:var(--gray-text); margin-bottom:20px; }
.bt-sidebar .btn-outline{ background:transparent; border:0.8px solid #cbd2da; color:var(--navy); margin-top:10px; width:100%; justify-content:center; }
.bt-sidebar .meta{ font-size:13px; color:var(--gray-text); margin-top:22px; margin-bottom:0; }
.bt-sidebar .meta a{ display:block; color:var(--navy); font-size:16px; font-weight:700; margin-top:2px; }

.bt-section-soft{ background:var(--gray-bg); }

@media (max-width:900px){
  .bt-detail-grid, .bt-two-col{ grid-template-columns:1fr; }
  .bt-steps{ grid-template-columns:repeat(2,minmax(0,1fr)); }
  .bt-sidebar{ position:static; }
}

/* ---------- rate table ---------- */
.bt-rates .rates-label{ font-size:12px; background:#eee5d3; color:#785a2c; padding:7px 12px; border-radius:5px; font-weight:600; }
.bt-rates table{ width:100%; border-collapse:collapse; font-size:15px; }
.bt-rates thead{ background:var(--navy); }
.bt-rates th{ text-align:left; color:var(--white); font-weight:600; padding:15px 21px; font-size:12px; }
.bt-rates td, .bt-rates tbody th{ padding:15px 21px; border-bottom:0.8px solid var(--border); font-weight:500; color:var(--navy-text); }
.bt-rates td:last-child, .bt-rates th:last-child{ text-align:right; font-weight:750; color:var(--navy); }
.bt-rates__card{ background:var(--white); border:0.8px solid var(--border); border-radius:0; padding:0; height:100%; overflow:hidden; }
.bt-rates__note{ font-size:12.5px; color:var(--gray-text); margin-top:18px; line-height:1.6; }

/* ---------- shareholders table ---------- */
.bt-shareholders__wrap{ overflow-x:auto; border:0.8px solid var(--border); border-radius:10px; }
.bt-shareholders{ width:100%; border-collapse:collapse; font-size:14.5px; background:var(--white); min-width:600px; }
.bt-shareholders thead{ background:var(--navy); }
.bt-shareholders th{ text-align:left; color:var(--white); font-weight:600; padding:14px 18px; font-size:11.5px; text-transform:uppercase; letter-spacing:.03em; white-space:nowrap; }
.bt-shareholders td{ padding:13px 18px; border-bottom:0.8px solid var(--border); font-weight:500; color:var(--navy-text); white-space:nowrap; }
.bt-shareholders tbody tr:last-child td{ border-bottom:0; }
.bt-shareholders th.num, .bt-shareholders td.num{ text-align:right; }
.bt-shareholders td.pct{ text-align:right; font-weight:750; color:var(--navy); }
.bt-shareholders tfoot td{ background:var(--cream); font-weight:750; color:var(--navy-text); border-top:1.5px solid var(--navy); }
.bt-shareholders tfoot td.pct{ color:var(--navy); }

/* ---------- picks banner (image + copy card) ---------- */
.bt-picks2{ background:var(--navy); }
.bt-picks2__head{ display:flex; align-items:flex-end; justify-content:space-between; gap:20px; margin-bottom:32px; }
.bt-picks2__arrows{ display:flex; gap:10px; flex:none; }
.bt-picks2__arrows button{
  width:40px; height:40px; border-radius:50%; border:1px solid rgba(255,255,255,.3);
  background:transparent; color:var(--white); display:flex; align-items:center; justify-content:center; cursor:pointer;
}
.bt-picks2__arrows button:hover{ background:rgba(255,255,255,.1); }
.bt-picks2__track{
  display:flex; gap:20px; overflow-x:auto; scroll-snap-type:x mandatory; scroll-behavior:smooth;
  -ms-overflow-style:none; scrollbar-width:none; margin:0 -1px; padding:1px;
}
.bt-picks2__track::-webkit-scrollbar{ display:none; }
.bt-picks2__card{
  background:var(--navy-2); border-radius:20px; overflow:hidden; display:grid; grid-template-columns:40% 60%;
  border:0.8px solid rgba(255,255,255,.1);
  flex:0 0 72%; scroll-snap-align:start;
}
.bt-picks2__card img{ width:100%; height:100%; object-fit:cover; display:block; min-height:260px; }
.bt-picks2__copy{ padding:35px 32px; display:flex; flex-direction:column; justify-content:center; }
.bt-picks2__copy .bt-eyebrow{ color:var(--cream-3); margin-bottom:10px; }
.bt-picks2__copy h3{ color:var(--white); font-size:26px; line-height:1.25; }
.bt-picks2__copy p{ color:var(--cream-3); opacity:.8; font-size:14px; margin:12px 0 18px; }
@media (max-width:991px){ .bt-picks2__card{ flex-basis:88%; } }
@media (max-width:600px){
  .bt-picks2__card{ flex-basis:100%; grid-template-columns:1fr; }
  .bt-picks2__card img{ min-height:180px; }
  .bt-picks2__head{ flex-direction:column; align-items:flex-start; }
}

/* ---------- articles ---------- */
.bt-articles__head{ display:flex; justify-content:space-between; align-items:center; margin-bottom:36px; }
.bt-article-card{ border-radius:12px; overflow:hidden; border:0.8px solid var(--border); background:var(--white); height:100%; }
.bt-article-card img{ width:100%; display:block; aspect-ratio:362/220; object-fit:cover; background:var(--cream-2); }
.bt-article-card .body{ padding:23px; }
.bt-article-card .meta{ font-size:12px; font-weight:400; color:var(--gray-text); }
.bt-article-card h4{ font-size:19px; line-height:28.5px; margin:12px 0 23px; font-weight:700; color:var(--navy-text); }
.bt-article-card .bt-link-arrow{ font-size:13px; }

/* ---------- CTA banner ---------- */
.bt-cta{ background:var(--navy); border-radius:14px; color:var(--white); padding:50px; display:flex; justify-content:space-between; align-items:center; gap:30px; flex-wrap:wrap; }
.bt-cta h2{ color:var(--white); font-size:32px; margin-bottom:10px; }
.bt-cta p{ color:var(--cream-3); opacity:.85; }

/* ---------- page intro (breadcrumb + title header, reused on inner pages) ---------- */
.page-intro{ background:linear-gradient(180deg,var(--navy) 0%,var(--navy-dark) 100%); padding-bottom:50px; }
.page-intro .wrap{ max-width:1220px; margin:0 auto; padding:40px 40px 0; }
.page-intro .crumb{ font-size:13.5px; color:var(--cream-3); opacity:.7; margin-bottom:22px; }
.page-intro .crumb a{ color:var(--cream-3); }
.page-intro .crumb a:hover{ color:var(--gold); }
.page-intro .crumb span:first-of-type{ margin:0 8px; }
.page-intro .bt-eyebrow{ color:var(--cream-3); }
.page-intro h1{ font-size:45px; max-width:850px; line-height:1.15; margin-bottom:16px; color:var(--white); }
.page-intro p{ font-size:16px; color:var(--cream-3); max-width:680px; line-height:1.7; margin:0; }

@media (max-width:767px){
  .page-intro .wrap{ padding:28px 20px 0; }
  .page-intro h1{ font-size:30px; }
}

/* ---------- filter tabs (3-way: Semua/Simpanan/Kredit) ---------- */
.bt-filters{ display:flex; gap:34px; border-bottom:1px solid var(--border); margin-bottom:34px; }
.bt-filters button{
  background:none; border:none; padding:16px 2px; font-weight:700; font-size:15.5px; color:var(--gray-text);
  border-bottom:3px solid transparent; margin-bottom:-1px; cursor:pointer;
}
.bt-filters button.active{ color:var(--navy); border-color:var(--gold); }

/* ---------- about: split (text + photo) ---------- */
.bt-split{ display:grid; grid-template-columns:1fr 1fr; gap:70px; align-items:center; }
.bt-split img.bt-photo{ width:100%; height:380px; object-fit:cover; border-radius:12px; }
@media (max-width:900px){ .bt-split{ grid-template-columns:1fr; } }

/* ---------- about: quote (Visi) ---------- */
.bt-quote{ background:var(--navy); border-radius:14px; padding:50px; }
.bt-quote p{ font-family:'Manrope',sans-serif; font-weight:550; font-size:29px; line-height:46.4px; color:var(--white); margin:0; }

/* ---------- timeline (no connecting line, just dots) ---------- */
.bt-timeline{ padding-left:35px; }
.bt-timeline__item{ position:relative; margin-bottom:38px; }
.bt-timeline__item:last-child{ margin-bottom:0; }
.bt-timeline__item::before{ content:""; position:absolute; left:-35px; top:8px; width:11px; height:11px; border-radius:50%; background:var(--gold); }
.bt-timeline__year{ font-family:'Manrope',sans-serif; font-weight:750; color:#96713a; font-size:26px; }
.bt-timeline__item h3{ font-size:21px; margin:8px 0 0; }
.bt-timeline__item p{ color:var(--gray-text); font-size:15px; margin:8px 0 0; }

/* ---------- sidebar simple list (used on Sejarah/Pemegang Saham) ---------- */
.bt-sidebar .simple-list{ list-style:none; padding:0; margin:28px 0; display:flex; flex-direction:column; gap:18px; }
.bt-sidebar .simple-list li{ display:flex; gap:15px; font-size:16px; color:var(--navy-text); }
.bt-sidebar .simple-list .check{ color:#947036; flex:none; }

/* ---------- person card ---------- */
.bt-people-grid{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:27px; }
.bt-person__photo{
  width:100%; aspect-ratio:362/300; border-radius:10px; background:var(--gray-bg);
  display:flex; align-items:center; justify-content:center; color:var(--navy); overflow:hidden;
}
.bt-person__photo span{ font-family:'Manrope',sans-serif; font-weight:800; font-size:15px; color:var(--gray-text); letter-spacing:.04em; text-transform:uppercase; }
.bt-person h3{ font-size:17px; margin:16px 0 5px; }
.bt-person p{ color:var(--gray-text); font-size:13px; margin:0; }
@media (max-width:900px){ .bt-people-grid{ grid-template-columns:repeat(2,minmax(0,1fr)); } }
@media (max-width:600px){ .bt-people-grid{ grid-template-columns:1fr; } }

/* ---------- office card (reuses .bt-card grid) ---------- */
.bt-card .meta{ font-size:12px; color:var(--gray-text); display:block; margin-top:6px; }
.bt-card .addr{ font-size:14px; color:var(--gray-text); margin:12px 0 24px; min-height:65px; }
.bt-card h3{ font-size:20px; margin:14px 0; color:var(--navy); font-family:'Manrope',sans-serif; font-weight:700; }

/* ---------- document list (publikasi) ---------- */
.bt-doc-toolbar{ display:flex; gap:14px; margin-bottom:22px; flex-wrap:wrap; }
.bt-doc-toolbar input[type="text"]{
  flex:1; min-width:220px; padding:12px 16px; border:1px solid var(--border); border-radius:8px; font-size:14px; font-family:'DM Sans',sans-serif;
}
.bt-doc-toolbar select{
  padding:12px 16px; border:1px solid var(--border); border-radius:8px; font-size:14px; font-family:'DM Sans',sans-serif; color:var(--navy-text); background:var(--white);
}
.bt-doc-item{ display:flex; align-items:center; gap:16px; padding:20px 0; border-bottom:1px solid var(--border); }
.bt-doc-item .ic{ width:42px; height:42px; border-radius:50%; background:var(--gold); color:var(--navy); display:flex; align-items:center; justify-content:center; flex:none; }
.bt-doc-item .info{ flex:1; }
.bt-doc-item h4{ font-size:15.5px; margin-bottom:4px; }
.bt-doc-item .meta{ font-size:13px; color:var(--gray-text); }
.bt-doc-item .dl{
  flex:none; display:inline-flex; align-items:center; gap:8px; border:1px solid var(--border); border-radius:8px;
  padding:10px 16px; font-size:13.5px; font-weight:700; color:var(--navy);
}
.bt-doc-item .dl:hover{ border-color:var(--navy); background:var(--navy); color:var(--white); }
.bt-doc-sidebar{ background:var(--gray-bg-2); border:1px solid var(--border); border-radius:var(--radius-lg); padding:28px; }
.bt-doc-sidebar .ic{ width:44px; height:44px; border-radius:50%; background:var(--gold); color:var(--navy); display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.bt-doc-sidebar h4{ font-size:19px; margin-bottom:10px; }

/* ---------- auth split screen ---------- */
.bt-auth{ min-height:100vh; display:grid; grid-template-columns:1fr 1fr; }
.bt-auth__brand{
  background:linear-gradient(180deg,var(--navy) 0%,var(--navy-dark) 100%); color:var(--white);
  display:flex; flex-direction:column; justify-content:space-between; padding:50px;
}
.bt-auth__brand h1{ color:var(--white); font-size:38px; line-height:1.2; margin:18px 0; }
.bt-auth__brand p{ color:var(--cream-3); opacity:.85; max-width:340px; }
.bt-auth__brand .logo img{ height:32px; }
.bt-auth__form{ display:flex; align-items:center; justify-content:center; padding:50px 30px; }
.bt-auth__form-inner{ width:100%; max-width:400px; }
.bt-auth__form-inner h2{ font-size:26px; margin-bottom:8px; }
.bt-auth__back{ font-size:13.5px; color:var(--gray-text); margin-bottom:26px; display:inline-flex; }
.bt-auth__foot{ text-align:center; font-size:14px; color:var(--gray-text); margin-top:20px; }
.bt-auth__foot a{ color:var(--navy); font-weight:700; }
.bt-field-pw{ position:relative; }
.bt-field-pw .toggle{ position:absolute; right:14px; top:38px; font-size:12.5px; font-weight:700; color:var(--gold-dark); cursor:pointer; }
.bt-field-row{ display:flex; justify-content:space-between; align-items:center; margin-bottom:22px; font-size:13.5px; }
.bt-field-row label{ display:flex; align-items:center; gap:8px; color:var(--gray-text); font-weight:500; }
.bt-field-row a{ color:var(--navy); font-weight:700; }
@media (max-width:900px){
  .bt-auth{ grid-template-columns:1fr; }
  .bt-auth__brand{ display:none; }
}

/* ---------- map (contact) ---------- */
.bt-map-card{ width:100%; height:420px; border:1px solid var(--border); border-radius:var(--radius-lg); overflow:hidden; }
@media (max-width:767px){ .bt-map-card{ height:300px; } }

/* ---------- form (contact / pengaduan) ---------- */
.bt-form-card{ background:var(--gray-bg-2); border:1px solid var(--border); border-radius:var(--radius-lg); padding:34px; }
.bt-form-card h3{ font-size:20px;margin-bottom:10px; }
.bt-form-notice{ background:var(--cream-2); border:1px solid var(--cream-3); color:var(--gold-darker); font-size:13.5px; padding:12px 16px; border-radius:8px; margin-bottom:24px; }
.bt-field{ margin-bottom:18px; }
.bt-field label{ display:block; font-size:13.5px; font-weight:700; color:var(--navy); margin-bottom:7px; }
.bt-field input, .bt-field select, .bt-field textarea{
  width:100%; padding:12px 14px; border:1px solid var(--border); border-radius:8px; font-size:14px;
  font-family:'DM Sans',sans-serif; color:var(--navy-text); background:var(--white);
}
.bt-field textarea{ min-height:110px; resize:vertical; }
.bt-field-check{ display:flex; gap:10px; align-items:flex-start; font-size:13px; color:var(--gray-text); margin-bottom:22px; }
.bt-field-check input{ margin-top:3px; }
.bt-contact-side .item{ margin-bottom:22px; }
.bt-contact-side .item .lbl{ font-size:12.5px; font-weight:700; color:var(--gray-text); text-transform:uppercase; letter-spacing:.03em; margin-bottom:4px; }
.bt-contact-side .item .val{ font-size:16px; font-weight:700; color:var(--navy); }
.bt-contact-side .item .val.addr{ font-weight:600; font-size:14.5px; line-height:1.6; }

/* ---------- empty state ---------- */
.bt-empty{ border:0.8px dashed #c7d0da; border-radius:12px; padding:50px; text-align:center; background:var(--gray-bg); }
.bt-empty h4{ font-size:22px; }
.bt-empty p{ font-size:16px; max-width:550px; margin:14px auto 24px; }

/* ---------- floating whatsapp ---------- */
.bt-whatsapp{
  position:fixed; right:26px; bottom:26px; z-index:150; border:0; padding:0; font:inherit; cursor:pointer;
  width:56px; height:56px; border-radius:50%; background:#25D366; color:#fff;
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 10px 28px rgba(0,0,0,.25); transition:transform .2s ease;
  animation:btWaFloat 2.6s ease-in-out infinite;
}
.bt-whatsapp:hover{ transform:scale(1.08); color:#fff; animation-play-state:paused; }
@keyframes btWaFloat{
  0%,100%{ transform:translateY(0); }
  50%{ transform:translateY(-9px); }
}
@media (max-width:600px){ .bt-whatsapp{ right:18px; bottom:18px; width:50px; height:50px; } }

/* ---------- whatsapp choice popup ---------- */
.bt-wa-overlay{
  position:fixed; inset:0; background:rgba(1,20,50,.55); z-index:300;
  display:flex; align-items:center; justify-content:center; padding:20px;
  opacity:0; visibility:hidden; transition:opacity .2s ease, visibility .2s ease;
}
.bt-wa-overlay.is-open{ opacity:1; visibility:visible; }
.bt-wa-card{
  background:var(--white); border-radius:18px; width:100%; max-width:380px; overflow:hidden;
  box-shadow:0 30px 70px rgba(0,0,0,.3); position:relative;
  transform:translateY(16px) scale(.97); transition:transform .25s ease;
}
.bt-wa-overlay.is-open .bt-wa-card{ transform:translateY(0) scale(1); }
.bt-wa-card__close{
  position:absolute; top:14px; right:14px; width:30px; height:30px; border-radius:50%;
  background:rgba(255,255,255,.18); color:#fff; border:0; display:flex; align-items:center; justify-content:center;
  cursor:pointer; z-index:2;
}
.bt-wa-card__close:hover{ background:rgba(255,255,255,.3); }
.bt-wa-card__banner{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  padding:38px 20px 30px; display:flex; align-items:center; justify-content:center;
}
.bt-wa-card__banner .badge-ic{
  width:74px; height:74px; border-radius:50%; background:var(--white); color:#25D366;
  display:flex; align-items:center; justify-content:center; box-shadow:0 10px 24px rgba(0,0,0,.2);
}
.bt-wa-card__banner .badge-ic svg{ width:38px; height:38px; }
.bt-wa-card__body{ padding:26px 28px 28px; text-align:center; }
.bt-wa-card__body h3{ font-size:21px; color:var(--navy-text); margin-bottom:16px; }
.bt-wa-card__desc{ font-size:14px; color:var(--gray-text); line-height:1.6; margin-bottom:22px; }
.bt-wa-card__options{ display:flex; flex-direction:column; gap:10px; margin-bottom:16px; }
.bt-wa-opt{ display:flex; align-items:center; gap:12px; padding:13px 18px; border-radius:10px; font-size:14.5px; font-weight:700; text-align:left; }
.bt-wa-opt svg{ flex:none; width:19px; height:19px; }
.bt-wa-opt span{ display:flex; flex-direction:column; line-height:1.35; }
.bt-wa-opt small{ font-weight:500; font-size:12px; opacity:.75; margin-top:1px; }
.bt-wa-opt--primary{ background:var(--navy); color:#fff; }
.bt-wa-opt--primary:hover{ background:var(--navy-2); color:#fff; }
.bt-wa-opt--outline{ background:#fff; color:var(--navy); border:1.5px solid var(--border); }
.bt-wa-opt--outline:hover{ border-color:var(--navy); }
.bt-wa-card__more{ font-size:13px; color:var(--gray-text); }
.bt-wa-card__more a{ color:var(--navy); font-weight:700; text-decoration:underline; }

/* ---------- footer ---------- */
.bt-footer{ background:var(--navy); color:var(--white); padding-top:70px; }
.bt-footer h5{ color:var(--white); font-size:15px; margin-bottom:20px; }
.bt-footer ul{ list-style:none; padding:0; margin:0; }
.bt-footer ul li{ margin-bottom:12px; }
.bt-footer ul li a{ color:var(--white); font-size:14.5px; }
.bt-footer ul li a:hover{ color:var(--gold); }
.bt-footer__logo img{ height:34px; margin-bottom:16px; }
.bt-footer__tagline{ font-size:14px; color:var(--white); line-height:1.7; max-width:280px; }
.bt-footer__social{ display:flex; gap:10px; margin-top:18px; }
.bt-footer__social a{ width:36px; height:36px; border-radius:50%; border:1px solid rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center; color:var(--white); }
.bt-footer__social a:hover{ background:var(--gold); border-color:var(--gold); color:var(--navy-dark); }
.bt-footer__bottom{ border-top:1px solid rgba(255,255,255,.1); margin-top:50px; padding:22px 0; text-align:center; font-size:13px; color:var(--white); }
.bt-footer__ojk{ text-align:center; font-size:13px; color:var(--white); padding-top:26px; }
.bt-footer address{ font-style:normal; font-size:14.5px; color:var(--white); line-height:1.7; margin-bottom:10px; }
.bt-footer address a{ color:var(--white); }

@media (max-width:767px){
  .bt-cta{ padding:40px 28px; flex-direction:column; text-align:center; }
  .bt-section{ padding:56px 0; }
}