/* ===== LAYANAN PAGE ===== */
.layanan-hero {
  background: linear-gradient(135deg, #1565c0 0%, #e53935 100%);
  padding: 48px 24px;
  text-align: center;
  color: white;
}
.layanan-hero h1 { font-size: 32px; font-weight: 800; margin-bottom: 8px; }
.layanan-hero p { font-size: 16px; opacity: 0.9; }

.layanan-tabs-wrap {
  background: white;
  border-bottom: 1px solid var(--border);
  position: sticky; top: 64px; z-index: 50;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.layanan-tabs {
  max-width: 1200px; margin: 0 auto;
  display: flex; overflow-x: auto;
}
.ltab {
  padding: 16px 28px;
  background: none; border: none;
  font-size: 14px; font-weight: 600;
  color: var(--text-muted); cursor: pointer;
  border-bottom: 3px solid transparent;
  white-space: nowrap; transition: all 0.2s;
}
.ltab:hover { color: var(--primary); }
.ltab.active { color: var(--primary); border-bottom-color: var(--primary); }

.layanan-container { padding-top: 32px; padding-bottom: 64px; }

.layanan-content { animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* HEADER */
.lay-header {
  display: flex; align-items: center; gap: 20px;
  margin-bottom: 24px;
}
.lay-icon { font-size: 52px; }
.lay-header h2 { font-size: 26px; font-weight: 800; margin-bottom: 4px; }
.lay-header p { color: var(--text-muted); font-size: 15px; }

/* HIGHLIGHT BOX */
.lay-highlight-box {
  padding: 16px 20px; border-radius: 10px;
  font-size: 15px; margin-bottom: 28px; line-height: 1.6;
}
.lay-highlight-box.green  { background: #e8f5e9; color: #1b5e20; border-left: 4px solid #2e7d32; }
.lay-highlight-box.blue   { background: #e3f2fd; color: #0d47a1; border-left: 4px solid #1565c0; }
.lay-highlight-box.orange { background: #fff3e0; color: #e65100; border-left: 4px solid #ff6f00; }
.lay-highlight-box.purple { background: #f3e5f5; color: #4a148c; border-left: 4px solid #6a1b9a; }

/* CARDS */
.lay-cards {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 20px; margin-bottom: 36px;
}
.lay-card {
  background: white; border-radius: 12px;
  padding: 24px; box-shadow: var(--shadow);
  border-top: 3px solid var(--primary);
}
.lay-card-icon { font-size: 32px; margin-bottom: 12px; }
.lay-card h4 { font-size: 15px; font-weight: 700; margin-bottom: 12px; }
.lay-card ul { list-style: none; padding: 0; }
.lay-card ul li {
  font-size: 13px; color: #424242; padding: 5px 0;
  border-bottom: 1px solid #f5f5f5; display: flex; align-items: flex-start; gap: 6px;
}
.lay-card ul li::before { content: "✓"; color: var(--primary); font-weight: 700; flex-shrink: 0; }

/* STEPS */
.lay-steps { margin-bottom: 32px; }
.lay-steps h3 { font-size: 18px; font-weight: 700; margin-bottom: 20px; }
.steps-row {
  display: flex; align-items: flex-start; gap: 8px;
  flex-wrap: wrap;
}
.step-item {
  flex: 1; min-width: 140px; text-align: center;
  background: white; border-radius: 10px; padding: 20px 16px;
  box-shadow: var(--shadow);
}
.step-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--primary); color: white;
  font-size: 16px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 10px;
}
.step-item p { font-size: 13px; color: #424242; line-height: 1.5; }
.step-arrow { font-size: 20px; color: var(--text-muted); padding-top: 28px; }

/* CTA */
.lay-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 8px; }
.btn-lay-primary {
  background: var(--primary); color: white;
  padding: 13px 28px; border-radius: 8px;
  font-size: 14px; font-weight: 700; text-decoration: none;
  display: inline-block; transition: background 0.2s;
}
.btn-lay-primary:hover { background: var(--primary-dark); }
.btn-lay-secondary {
  background: white; color: var(--text);
  padding: 13px 24px; border-radius: 8px;
  font-size: 14px; font-weight: 600; text-decoration: none;
  border: 1px solid var(--border); display: inline-block;
}
.btn-lay-secondary:hover { background: #f5f5f5; }

/* FAQ */
.lay-faq { margin-bottom: 32px; }
.lay-faq h3 { font-size: 18px; font-weight: 700; margin-bottom: 16px; }
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item { background: white; border-radius: 10px; box-shadow: var(--shadow); overflow: hidden; }
.faq-q {
  width: 100%; padding: 16px 20px;
  background: none; border: none; text-align: left;
  font-size: 14px; font-weight: 600; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  color: var(--text);
}
.faq-q span { font-size: 20px; color: var(--primary); transition: transform 0.2s; }
.faq-item.open .faq-q span { transform: rotate(45deg); }
.faq-a {
  max-height: 0; overflow: hidden;
  font-size: 13px; color: #424242; line-height: 1.7;
  padding: 0 20px; transition: max-height 0.3s ease, padding 0.3s;
}
.faq-item.open .faq-a { max-height: 200px; padding: 0 20px 16px; }

/* RETUR FORM */
.retur-form-section {
  background: white; border-radius: 12px;
  padding: 28px; box-shadow: var(--shadow); margin-bottom: 32px;
}
.retur-form-section h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.retur-form-section > p { color: var(--text-muted); font-size: 14px; margin-bottom: 20px; }
.retur-form {
  display: grid; gap: 16px;
}
.retur-options {
  display: flex; gap: 12px; flex-wrap: wrap;
}
.retur-opt {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 16px; border: 2px solid var(--border);
  border-radius: 8px; cursor: pointer; font-size: 13px; font-weight: 600;
  transition: all 0.2s;
}
.retur-opt:has(input:checked) { border-color: var(--primary); background: #fff5f5; color: var(--primary); }
.retur-opt input { accent-color: var(--primary); }

.retur-success {
  text-align: center; padding: 32px;
  background: #e8f5e9; border-radius: 10px;
}
.retur-success h3 { font-size: 20px; font-weight: 700; color: #2e7d32; margin: 12px 0 8px; }
.retur-success p { font-size: 14px; color: #388e3c; margin-bottom: 4px; }

/* SIMULASI CICILAN */
.sim-box { margin-top: 8px; }
.sim-result { margin-top: 8px; }
.sim-output { display: flex; align-items: baseline; gap: 6px; }
.sim-amount { font-size: 22px; font-weight: 900; color: #2e7d32; }
.sim-label { font-size: 13px; color: #388e3c; font-weight: 600; }

@media (max-width: 768px) {
  .lay-cards { grid-template-columns: 1fr; }
  .steps-row { flex-direction: column; }
  .step-arrow { transform: rotate(90deg); padding: 0; align-self: center; }
  .layanan-hero h1 { font-size: 22px; }
  .lay-header { flex-direction: column; text-align: center; }
}