* {
    font-family: sans-serif;
}



.navbar-custom {
    transition: background-color 0.3s, padding 0.3s;
    padding: 27px;
}

.navbar-scrolled {
    background-color: #00000080 !important;
    padding: 12px !important;
}

.navbar img {
    transition: height 0.3s;
}



.hero-section {
    position: relative;
    background-size: cover;
    background-position: center;
    min-height: 420px; /* Mobile */
}

@media (min-width: 768px) {
    .hero-section {
        min-height: 520px; /* Tablet */
    }
}

@media (min-width: 1200px) {
    .hero-section {
        min-height: 650px; /* Desktop Large */
    }
}

.hero-overlay {
    /* background: rgba(0,0,0,0.45); */
    padding: 25px;
    /* border-radius: 12px; */
    /* max-width: 600px; */
    font-weight: 400;
}

.hero-overlay button {
    /* background-color: red; */
    background-color: #1473e6; /* Purple color */
    border-color: #1473e6;

}

.hero-background-image {
    width: 100%;
    min-height: 100vh;
    background-image: url('./img/39_INDIVIDU_KARTU-KREDIT_60-V2.jpg');
    background-repeat: no-repeat;

    background-size: cover; 
    background-position: center center;
    background-color: rgba(0, 0, 0, 0.45);
    background-blend-mode: multiply;
}

footer {
    background: #051524;
    color: #fff;
    padding: 50px 24px;
}





.accordion-item,
.accordion-button,
.accordion-body {
    background: transparent !important;
    border: none !important;
    box-shadow: none !important;
    color: white !important;
    font-size: 14px;
    padding: 0;
}

.accordion-button::after {
    filter: invert(1);
}

.accordion-button:not(.collapsed) {
    background: transparent !important;
    color: white !important;
}
.accordion-button.collapsed {
    background: transparent !important;
    color: white !important;
}
    



@media (min-width: 992px) {
    .accordion-button::after {
        display: none;
    }
    .accordion-collapse {
        display: block !important;
    }
}



   
.carousel-wrapper {
    padding: 24px;
}


.home-carousel {
    border-radius: 12px;
    overflow: hidden;
}


.home-carousel .item {
    position: relative;
    height: 400px;
    overflow: hidden;
}


.carousel-img {
    width: 100%;
    height: 400px;
    object-fit: cover;
}


.carousel-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to right, rgba(0,0,0,0.55), rgba(0,0,0,0));
    z-index: 1;
}


.carousel-content {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    z-index: 2;
    width: 80%;
    color: #fff;
    text-align: center;
}


.a-text-title {
    font-size: 14px;
    font-weight: 400;
    margin-bottom: 10px;
}
.a-text-description {
    font-size: 18px;
    font-weight: 400;
    margin-bottom: 15px;
}

.tb {
    margin: 0;
    padding: 0;
    color: white;
    font-size: 1rem;
    cursor: pointer;
    text-decoration: none !important;
}
.tb:hover {
    text-decoration: none !important;
    opacity: 0.85;
}






.owl-animate-out {
    animation: zoomOut .6s forwards ease-in-out;
}
.owl-animate-in {
    animation: zoomIn .6s forwards ease-in-out;
}

@keyframes zoomOut {
    0% { transform: scale(1); opacity: 1; }
    100% { transform: scale(0.85); opacity: 0; }
}

@keyframes zoomIn {
    0% { transform: scale(1.15); opacity: 0; }
    100% { transform: scale(1); opacity: 1; }
}

.owl-dots {
    position: absolute;
    bottom: 20px;
    width: 100%;
    text-align: center;
    z-index: 4;
}

.owl-dot span {
    width: 10px !important;
    height: 10px !important;
    margin: 4px 6px !important;
    background: rgba(255,255,255,0.6) !important;
    border-radius: 50%;
}

.owl-dot.active span {
    background: #ffffff !important;
}



.underline-input-wrapper {
    position: relative;
    width: 100%;
    /* max-width: 360px; */
}

.underline-input {
    background: transparent !important;
    color: #fff !important;
    border: none !important;
    border-bottom: 1.5px solid #fff !important;
    border-radius: 0 !important;
    padding: 10px 36px 10px 0;
    font-size: 16px;
    box-shadow: none !important;
}

.underline-input::placeholder {
    color: rgba(255,255,255,0.6);
}

.underline-input:focus {
    outline: none !important;
    box-shadow: none !important;
    border-bottom-color: #fff !important;
}

.input-icon-img {
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 16px;
    height: 16px;
    object-fit: contain;
    pointer-events: none;
}



.always-white-link {
    color: white !important;
    text-decoration: underline !important;
}


.always-white-link:hover {
    color: white !important;
    text-decoration: underline !important;
}

.underline-lowest {  
    color: #00bfff !important;
    text-decoration: underline !important;
}

.underline-lowest:hover {
    color: #00bfff !important;
    text-decoration: underline !important;
}




.video-section {
    background-color: #f1f5f8;
    padding-top: 50px;
}


.video-wrapper {
    position: relative;
    width: 100%;
    max-width: 100%;
    padding-top: 56.25%;
    margin: 0 auto;
    background-color: #000;
}

#player {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
}

#ytm-custom-control {
    position: absolute;
    bottom: 10px;
    left: 50%;
    transform: translateX(-50%);
    background-color: rgba(0,0,0,0.7);
    color: #fff;
    border: none;
    padding: 8px 16px;
    cursor: pointer;
    font-size: 14px;
    border-radius: 4px;
    z-index: 10;
}






a {
    text-decoration: none;
    color: inherit;
}


a:hover,
a:focus,
a:active {
    text-decoration: none;
    color: inherit; 
}