/* Riska Adinda Utami — Catatan Perbankan & Keuangan
   Premium editorial theme v2: navy + gold, Fraunces + Inter,
   grid-paper background, white "sheet" article for easy reading. */

:root{
  --navy:#0b2545; --navy-deep:#061627; --navy-soft:#163a63;
  --gold:#a97f22; --gold-soft:#c6a048;
  --ink:#16202f; --body:#2b3647; --muted:#5a6676; --faint:#8b95a4;
  --bg:#f4f3 ; --bg:#f3f2ec; --card:#ffffff; --line:#e7e2d6; --line-soft:#f1ede3;
  --maxw:1120px; --sheet:860px; --measure:700px;
  --radius:20px;
  --shadow-sm:0 1px 2px rgba(10,30,60,.05);
  --shadow:0 2px 6px rgba(10,30,60,.05), 0 16px 40px rgba(10,30,60,.08);
  --shadow-lg:0 4px 10px rgba(10,30,60,.06), 0 30px 70px rgba(10,30,60,.12);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%; scroll-behavior:smooth}
body{
  margin:0; color:var(--body);
  font-family:"Inter",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  font-size:17px; line-height:1.72; -webkit-font-smoothing:antialiased;
  background-color:var(--bg);
  background-image:
    linear-gradient(to right, rgba(11,37,69,.055) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(11,37,69,.055) 1px, transparent 1px),
    radial-gradient(1100px 520px at 50% -140px, rgba(169,127,34,.10), transparent 70%);
  background-size:27px 27px, 27px 27px, 100% 100%;
  background-attachment:scroll;
}
img{max-width:100%; display:block}
a{color:var(--navy); text-decoration:none}
a:hover{color:var(--gold)}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 22px}

/* ---------- Header ---------- */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(247,246,240,.82); backdrop-filter:saturate(1.4) blur(12px);
  border-bottom:1px solid var(--line);
}
.site-header .wrap{display:flex; align-items:center; justify-content:space-between; height:68px}
.brand{display:flex; align-items:center; gap:12px; color:var(--navy)}
.brand:hover{color:var(--navy)}
.brand__mark{
  width:36px; height:36px; border-radius:10px; flex:0 0 auto;
  background:linear-gradient(135deg,var(--navy),var(--navy-soft));
  color:#fff; display:grid; place-items:center;
  font-family:"Fraunces",serif; font-weight:600; font-size:18px;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.14), 0 3px 10px rgba(11,37,69,.25);
}
.brand__name{font-family:"Fraunces",serif; font-weight:600; font-size:20px; letter-spacing:.1px; line-height:1; color:var(--navy)}
.brand__name small{display:block; font-family:"Inter",sans-serif; font-weight:600; font-size:10.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--gold); margin-top:4px}
.nav{display:flex; align-items:center; gap:26px}
.nav a{font-size:14.5px; font-weight:500; color:var(--muted)}
.nav a:hover{color:var(--navy)}
.nav a.cta{color:#fff; background:var(--navy); padding:8px 17px; border-radius:999px; box-shadow:0 2px 10px rgba(11,37,69,.22)}
.nav a.cta:hover{background:var(--navy-soft); color:#fff}
@media(max-width:620px){
  .site-header .wrap{height:60px}
  .nav{gap:14px}
  .nav .hide-sm{display:none}
  .brand__name{font-size:17px}
  .brand__name small{font-size:9.5px}
}

/* ---------- Hero (home) ---------- */
.hero{padding:70px 0 40px}
.hero .wrap{max-width:860px}
.hero__eyebrow{font-size:12.5px; font-weight:700; letter-spacing:.18em; text-transform:uppercase; color:var(--gold); margin:0 0 16px}
.hero h1{font-family:"Fraunces",serif; font-weight:600; font-size:clamp(33px,5.5vw,56px); line-height:1.07; letter-spacing:-.012em; margin:0 0 18px; color:var(--navy)}
.hero h1 em{font-style:italic; color:var(--gold)}
.hero p{font-size:19px; color:var(--muted); max-width:620px; margin:0; line-height:1.6}

/* ---------- Section title ---------- */
.section-title{font-family:"Fraunces",serif; font-weight:600; font-size:27px; color:var(--navy); margin:40px 0 24px; display:flex; align-items:center; gap:16px}
.section-title::after{content:""; flex:1; height:1px; background:var(--line)}

/* ---------- Topic chips ---------- */
.topics{display:flex; flex-wrap:wrap; gap:9px; margin:0 0 22px}
.topics a{font-size:13.5px; font-weight:600; color:var(--muted); background:var(--card); border:1px solid var(--line); padding:8px 15px; border-radius:999px; box-shadow:var(--shadow-sm); cursor:pointer; transition:all .15s ease; white-space:nowrap}
.topics a:hover{color:var(--navy); border-color:var(--gold-soft)}
.topics a.is-active{background:var(--navy); color:#fff; border-color:var(--navy)}
@media(max-width:600px){
  .topics{flex-wrap:nowrap; overflow-x:auto; padding-bottom:5px; margin-bottom:18px; scrollbar-width:none; -webkit-overflow-scrolling:touch}
  .topics::-webkit-scrollbar{display:none}
  .topics a{flex:0 0 auto}
}

/* ---------- Article cards ---------- */
.cards{display:grid; grid-template-columns:repeat(3,1fr); gap:26px}
@media(max-width:920px){ .cards{grid-template-columns:1fr 1fr} }
@media(max-width:600px){ .cards{grid-template-columns:1fr} }
.card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow); transition:transform .25s ease, box-shadow .25s ease; display:flex; flex-direction:column}
.card:hover{transform:translateY(-5px); box-shadow:var(--shadow-lg)}
.card__img{aspect-ratio:16/10; overflow:hidden; background:var(--navy-deep)}
.card__img img{width:100%; height:100%; object-fit:cover; transition:transform .55s ease}
.card:hover .card__img img{transform:scale(1.055)}
.card__body{padding:19px 21px 23px; display:flex; flex-direction:column; flex:1}
.tag{display:inline-block; font-size:11.5px; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--gold); margin:0 0 10px}
.card h3{font-family:"Fraunces",serif; font-weight:600; font-size:20.5px; line-height:1.24; margin:0 0 10px; color:var(--navy)}
.card p{font-size:14.5px; color:var(--muted); margin:0 0 16px; flex:1; line-height:1.55}
.card__meta{font-size:12.5px; color:var(--faint); border-top:1px solid var(--line-soft); padding-top:13px}

/* ---------- Article: white sheet on grid ---------- */
main{padding:34px 16px 10px}
.sheet{
  max-width:var(--sheet); margin:0 auto 46px; background:var(--card);
  border:1px solid var(--line); border-radius:24px; box-shadow:var(--shadow-lg);
  padding:52px clamp(22px,5vw,64px) 44px; overflow:hidden;
}
.breadcrumb{font-size:13px; color:var(--faint); margin:0 0 18px}
.breadcrumb a{color:var(--muted)}
.article{max-width:var(--measure); margin:0 auto}
.article__head .tag{font-size:12.5px}
.article h1{font-family:"Fraunces",serif; font-weight:600; font-size:clamp(29px,4.4vw,43px); line-height:1.11; letter-spacing:-.012em; color:var(--navy); margin:6px 0 16px}
.article__lede{font-size:20px; color:var(--muted); line-height:1.56; margin:0 0 22px}
.article__meta{display:flex; flex-wrap:wrap; align-items:center; gap:9px 16px; font-size:13.5px; color:var(--faint); padding:15px 0; border-top:1px solid var(--line); border-bottom:1px solid var(--line)}
.article__meta b{color:var(--ink); font-weight:600}
.article__hero{max-width:var(--measure); margin:28px auto; border-radius:16px; overflow:hidden; border:1px solid var(--line-soft); box-shadow:var(--shadow-sm)}
.article__hero img{width:100%; aspect-ratio:16/9; object-fit:cover}
.article__hero figcaption{font-size:12.5px; color:var(--faint); padding:10px 16px; background:var(--line-soft)}

/* ---------- Prose (reading comfort) ---------- */
.prose{font-size:18px; line-height:1.78; color:var(--body); max-width:var(--measure); margin:0 auto}
.prose h2{font-family:"Fraunces",serif; font-weight:600; font-size:27px; color:var(--navy); line-height:1.2; margin:42px 0 13px; letter-spacing:-.005em}
.prose h3{font-family:"Fraunces",serif; font-weight:600; font-size:21px; color:var(--navy); margin:30px 0 9px}
.prose p{margin:0 0 19px}
.prose ul,.prose ol{margin:0 0 19px; padding-left:24px}
.prose li{margin:9px 0}
.prose li::marker{color:var(--gold)}
.prose strong{color:var(--ink); font-weight:600}
.prose a{color:var(--navy); text-decoration:underline; text-underline-offset:3px; text-decoration-color:var(--gold-soft); text-decoration-thickness:1.5px}
.prose a:hover{color:var(--gold)}
.callout{background:linear-gradient(180deg,#fffdf7,#fffaf0); border:1px solid #efe3c6; border-left:4px solid var(--gold); border-radius:14px; padding:17px 22px; margin:26px 0; box-shadow:var(--shadow-sm)}
.callout p{margin:0; font-size:16.5px}
.callout strong{color:var(--navy)}
blockquote{margin:28px 0; padding:6px 0 6px 24px; border-left:3px solid var(--gold-soft); font-family:"Fraunces",serif; font-size:22px; font-style:italic; color:var(--navy); line-height:1.45}
.stat-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin:26px 0}
@media(max-width:560px){ .stat-grid{grid-template-columns:1fr 1fr} }
.stat{background:linear-gradient(145deg,var(--navy),var(--navy-deep)); color:#fff; border-radius:16px; padding:19px 16px; text-align:center; box-shadow:var(--shadow-sm)}
.stat b{display:block; font-family:"Fraunces",serif; font-size:28px; line-height:1.1; color:#fff}
.stat span{display:block; font-size:12px; color:#b4c2d6; margin-top:7px; line-height:1.35}

/* ---------- Sources / Author (inside sheet) ---------- */
.sources{max-width:var(--measure); margin:42px auto 0}
.sources h2{font-family:"Fraunces",serif; font-size:21px; color:var(--navy); margin:0 0 13px; padding-top:28px; border-top:1px solid var(--line)}
.sources ol{font-size:14.5px; color:var(--muted); padding-left:22px; margin:0}
.sources li{margin:9px 0; line-height:1.55}
.sources a{color:var(--navy); text-decoration:underline; text-underline-offset:2px; word-break:break-word}
.author{max-width:var(--measure); margin:34px auto 0}
.author__card{display:flex; gap:17px; align-items:center; background:linear-gradient(180deg,#fff,#fbfaf6); border:1px solid var(--line); border-radius:18px; padding:22px; box-shadow:var(--shadow-sm)}
.author__ava{width:62px; height:62px; border-radius:50%; flex:0 0 auto; overflow:hidden; background:linear-gradient(135deg,var(--navy),var(--navy-soft)); color:#fff; display:grid; place-items:center; font-family:"Fraunces",serif; font-size:24px; font-weight:600}
.author__ava img{width:100%; height:100%; object-fit:cover}
.author__card h4{margin:0 0 4px; font-family:"Fraunces",serif; font-size:18px; color:var(--navy)}
.author__card p{margin:0; font-size:14px; color:var(--muted); line-height:1.55}
.author__card a{font-weight:600}
.backlink{display:inline-flex; align-items:center; gap:8px; margin:30px auto 0; max-width:var(--measure); font-size:14.5px; font-weight:500; color:var(--muted)}
.backlink:hover{color:var(--gold)}

/* ---------- Static page (tentang / privacy) ---------- */
.page{max-width:var(--measure); margin:0 auto}
.page h1{font-family:"Fraunces",serif; font-weight:600; font-size:clamp(30px,4.6vw,44px); color:var(--navy); line-height:1.1; margin:4px 0 10px; letter-spacing:-.01em}
.page .sub{font-size:19px; color:var(--muted); margin:0 0 10px}

/* ---------- Comments (shell) ---------- */
.comments{max-width:var(--measure); margin:40px auto 0; padding-top:28px; border-top:1px solid var(--line)}
.comments h2{font-family:"Fraunces",serif; font-size:22px; color:var(--navy); margin:0 0 6px}
.comments .muted{font-size:14px; color:var(--faint); margin:0 0 16px}
.c-form{display:grid; gap:10px; margin-bottom:22px}
.c-form input,.c-form textarea{font:inherit; font-size:15px; padding:11px 14px; border:1px solid var(--line); border-radius:12px; background:#fff; color:var(--ink); width:100%}
.c-form textarea{min-height:92px; resize:vertical}
.c-form button{justify-self:start; font:inherit; font-weight:600; font-size:14.5px; color:#fff; background:var(--navy); border:0; padding:11px 22px; border-radius:999px; cursor:pointer}
.c-form button:hover{background:var(--navy-soft)}
.c-list{display:grid; gap:14px}
.c-item{background:#fff; border:1px solid var(--line); border-radius:14px; padding:15px 18px; box-shadow:var(--shadow-sm)}
.c-item .c-head{display:flex; justify-content:space-between; gap:10px; font-size:13px; margin-bottom:5px}
.c-item .c-name{font-weight:600; color:var(--navy)}
.c-item .c-date{color:var(--faint)}
.c-item p{margin:0; font-size:15px; color:var(--body)}
.c-empty{font-size:14.5px; color:var(--faint)}

/* ---------- Footer ---------- */
.site-footer{margin-top:60px; background:linear-gradient(180deg,var(--navy),var(--navy-deep)); color:#c4d0e0}
.site-footer .wrap{padding:44px 22px; display:flex; flex-wrap:wrap; gap:26px; justify-content:space-between; align-items:flex-start}
.site-footer .brand__name{color:#fff}
.site-footer a{color:#c4d0e0}
.site-footer a:hover{color:var(--gold-soft)}
.foot-links{display:flex; gap:22px; font-size:14px; flex-wrap:wrap}
.foot-copy{width:100%; border-top:1px solid rgba(255,255,255,.1); padding-top:20px; font-size:12.5px; color:#8296b0; line-height:1.6}

/* ---------- Mobile ---------- */
@media(max-width:600px){
  body{font-size:16px; background-size:22px 22px, 22px 22px, 100% 100%}
  /* header: solid + no blur = smooth scroll, stays pinned at top */
  .site-header{background:#fdfcf8; backdrop-filter:none; -webkit-backdrop-filter:none; box-shadow:0 1px 0 rgba(10,30,60,.06)}
  main{padding:18px 12px 6px}
  .sheet{padding:30px 20px 32px; border-radius:18px; margin-bottom:28px}
  .hero{padding:44px 0 26px}
  .hero p{font-size:17px}
  .article__lede{font-size:18px}
  .prose{font-size:17px; line-height:1.76}
  .prose h2{font-size:23px; margin:32px 0 10px}
  .prose h3{font-size:19px}
  .section-title{font-size:23px; margin:30px 0 18px}
  blockquote{font-size:19px}
  .stat b{font-size:24px}
  .author__card{flex-direction:column; text-align:center; align-items:center}
}

/* ---------- Engagement: like / views / comments ---------- */
.engage{max-width:var(--measure); margin:0 auto}
.engage__bar{display:flex; align-items:center; gap:16px; padding:2px 0 4px; flex-wrap:wrap}
.like-btn{display:inline-flex; align-items:center; gap:9px; font:inherit; font-size:15px; font-weight:600; color:var(--navy); background:#fff; border:1px solid var(--line); border-radius:999px; padding:9px 18px; cursor:pointer; box-shadow:var(--shadow-sm); transition:all .15s}
.like-btn:hover{border-color:var(--gold-soft)}
.like-btn.is-liked{background:#fdeef0; border-color:#f0c2c8; color:#c0392b}
.like-btn .heart{font-size:17px; line-height:1}
.views{font-size:14px; color:var(--muted); display:inline-flex; align-items:center; gap:7px}
.c-signin{background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px 18px; margin-bottom:18px; box-shadow:var(--shadow-sm)}
.c-signin p{margin:0 0 12px; font-size:14.5px; color:var(--muted)}
.c-me{display:flex; align-items:center; gap:10px; margin-bottom:12px; font-size:14px; color:var(--navy)}
.c-me img{width:34px; height:34px; border-radius:50%; object-fit:cover}
.c-me b{font-weight:600}
.c-me a{margin-left:auto; font-size:13px; color:var(--faint); cursor:pointer}
.c-item{display:flex; gap:12px}
.c-ava{width:38px; height:38px; border-radius:50%; flex:0 0 auto; object-fit:cover; background:var(--navy); color:#fff; display:grid; place-items:center; font-weight:600; font-family:"Fraunces",serif; overflow:hidden}
.c-ava img{width:100%; height:100%; object-fit:cover}
.c-item .c-body{flex:1; min-width:0; background:#fff; border:1px solid var(--line); border-radius:14px; padding:13px 16px; box-shadow:var(--shadow-sm)}