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24px}.surat-stat:last-child{border-right:none}.surat-stat__num{font-family:var(--font-display);color:var(--color-gold);font-size:clamp(30px,4vw,44px);font-weight:700;line-height:1;display:block}.surat-stat__label{letter-spacing:.06em;text-transform:uppercase;opacity:.85;margin-top:12px;font-size:14px}@media (max-width:767px){.surat-stats__grid{grid-template-columns:repeat(2,1fr)}.surat-stat:nth-child(2){border-right:none}.surat-stat:first-child,.surat-stat:nth-child(2){border-bottom:1px solid #ffffff1a}.surat-stat{padding:32px 16px}}.surat-checklist{grid-template-columns:repeat(2,1fr);gap:12px 28px;margin:8px 0 24px;padding:0;list-style:none;display:grid}@media (max-width:575px){.surat-checklist{grid-template-columns:1fr}}.surat-checklist li{color:var(--color-gray-dark);padding-left:36px;font-size:17px;line-height:1.6;position:relative}.surat-checklist li:before{content:"✓";background:var(--gradient-gold);width:24px;height:24px;color:var(--color-primary);border-radius:50%;justify-content:center;align-items:center;font-size:13px;font-weight:800;display:inline-flex;position:absolute;top:1px;left:0}.surat-ceo{background:#c9a84c1a;border:1px solid #c9a84c4d;border-radius:999px;align-items:center;gap:12px;margin-top:8px;padding:10px 20px 10px 12px;display:inline-flex}.surat-ceo__avatar{background:var(--gradient-gold);width:38px;height:38px;color:var(--color-primary);font-family:var(--font-display);border-radius:50%;justify-content:center;align-items:center;font-size:16px;font-weight:700;display:inline-flex}.surat-ceo__name{color:var(--color-primary);font-weight:700}.surat-ceo__role{color:var(--color-gold-dark);letter-spacing:.04em;text-transform:uppercase;font-size:13px;display:block}.surat-tabs-section{background:linear-gradient(#f4f1ec 0%,#faf9f7 45%,#fff 100%)}.surat-tabs-layout{grid-template-columns:1fr 4fr;align-items:start;gap:32px;display:grid}.surat-tablist{background:#fff;border:1px solid #1a1a2e0f;border-radius:18px;flex-direction:column;gap:8px;padding:14px;display:flex;position:sticky;top:24px;box-shadow:0 12px 36px #1a1a2e14}.surat-tab{appearance:none;width:100%;color:var(--color-gray-dark);font-family:var(--font-body);letter-spacing:.02em;cursor:pointer;text-align:left;background:0 0;border:1px solid #0000;border-radius:12px;align-items:center;gap:11px;padding:14px 16px;font-size:15px;font-weight:600;transition:all .3s cubic-bezier(.23,1,.32,1);display:flex;position:relative}.surat-tab:hover{color:var(--color-primary);background:#c9a84c1f}.surat-tab[aria-selected=true]{background:var(--gradient-primary);color:#fff;border-color:#0000;box-shadow:0 10px 24px #0f346047}.surat-tab__icon{flex-shrink:0;font-size:18px}.surat-tab__label{line-height:1.3}.surat-tabpanel{animation:.45s both suratFade}@keyframes suratFade{0%{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}.surat-tabpanel__inner{box-shadow:var(--shadow-premium);background:#fff;border:1px solid #1a1a2e0f;border-radius:22px;overflow:hidden}.surat-panel-media{background-position:50%;background-size:cover;height:240px;position:relative}.surat-panel-media:after{content:"";background:linear-gradient(160deg,#0f346040 0%,#1a1a2e9e 100%);position:absolute;inset:0}.surat-panel-media__tag{z-index:2;color:var(--color-primary);letter-spacing:.06em;text-transform:uppercase;background:#c9a84cf2;border-radius:999px;padding:8px 16px;font-size:13px;font-weight:700;position:absolute;bottom:24px;left:28px}.surat-panel-body{padding:44px 52px 46px}.surat-panel-body .corp-subtitle{letter-spacing:.14em;text-transform:uppercase;color:var(--color-gold-dark);margin-bottom:10px;font-size:13px;font-weight:700;display:inline-block}.surat-panel-body h3{font-family:var(--font-display);color:var(--color-primary);margin-bottom:6px;font-size:clamp(24px,2.6vw,30px);line-height:1.25}.surat-panel-body h4{color:var(--color-gold-dark);margin-bottom:20px;font-size:17px;font-weight:700}.surat-panel-body p{color:var(--color-gray-dark);max-width:760px;margin-bottom:16px;font-size:16.5px;line-height:1.85}@media (max-width:1100px){.surat-tabs-layout{gap:22px}.surat-tab{padding:12px 13px;font-size:14.5px}}@media (max-width:991px){.surat-tabs-layout{grid-template-columns:1fr;gap:24px}.surat-tablist{-webkit-overflow-scrolling:touch;scrollbar-width:none;border-radius:14px;flex-flow:row;gap:8px;padding:10px;position:static;overflow-x:auto}.surat-tablist::-webkit-scrollbar{display:none}.surat-tab{white-space:nowrap;flex:none;width:auto;padding:11px 18px}.surat-panel-media{height:200px}.surat-panel-body{padding:34px 30px 32px}}@media (max-width:767px){.surat-panel-media{height:170px}.surat-panel-body{padding:28px 22px}.surat-panel-body p{font-size:15.5px}}.surat-workflow{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px;display:grid}.surat-workflow__step{background:var(--color-off-white);border:1px solid #1a1a2e12;border-radius:16px;padding:24px 22px;transition:transform .3s,box-shadow .3s;position:relative}.surat-workflow__step:hover{box-shadow:var(--shadow-md);transform:translateY(-4px)}.surat-workflow__num{background:var(--gradient-gold);width:40px;height:40px;color:var(--color-primary);font-family:var(--font-display);border-radius:12px;justify-content:center;align-items:center;margin-bottom:14px;font-size:18px;font-weight:700;display:inline-flex}.surat-workflow__step p{color:var(--color-gray-dark);margin:0;font-size:15.5px;line-height:1.6}@media (max-width:767px){.surat-workflow{grid-template-columns:1fr}}.surat-coverage-grid{grid-template-columns:repeat(2,1fr);gap:26px;display:grid}.surat-coverage-card{box-shadow:var(--shadow-sm);border:1px solid #1a1a2e12;border-top:4px solid var(--color-gold);background:#fff;border-radius:18px;padding:34px 32px;transition:transform .3s,box-shadow .3s}.surat-coverage-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-6px)}.surat-coverage-card h3{font-family:var(--font-display);color:var(--color-primary);align-items:center;gap:10px;margin-bottom:6px;font-size:21px;display:flex}.surat-coverage-card h3 .surat-coverage-card__icon{font-size:22px}.surat-coverage-card>span{color:var(--color-gray-medium);margin-bottom:18px;font-size:14px;display:block}.surat-chips{flex-wrap:wrap;gap:9px;display:flex}.surat-chips span{color:var(--color-gray-dark);background:#c9a84c1a;border:1px solid #c9a84c38;border-radius:8px;padding:7px 15px;font-size:14px;font-weight:500;transition:background .2s,color .2s;display:inline-block}.surat-chips span:hover{background:var(--gradient-gold);color:var(--color-primary)}@media (max-width:767px){.surat-coverage-grid{grid-template-columns:1fr}}.surat-keywords{text-align:center;margin-top:40px}.surat-keywords h3{font-family:var(--font-display);color:var(--color-primary);margin-bottom:18px;font-size:20px}.surat-chips--muted{justify-content:center}.surat-chips--muted span{background:var(--color-off-white);color:var(--color-gray-medium);border-color:#1a1a2e1a;font-size:13px;font-weight:500}.surat-chips--muted span:hover{color:var(--color-gray-dark);background:#c9a84c1f}.surat-cta-band{background:var(--gradient-primary);position:relative;overflow:hidden}.surat-cta-band:before{content:"";pointer-events:none;background:radial-gradient(circle,#c9a84c38 0%,#0000 70%);border-radius:50%;width:380px;height:380px;position:absolute;top:-140px;right:-100px}.surat-cta-band__inner{z-index:2;text-align:center;color:#fff;max-width:820px;margin:0 auto;position:relative}.surat-cta-band .corp-subtitle{color:var(--color-gold)}.surat-cta-band h2{font-family:var(--font-display);color:#fff;margin:10px 0 18px;font-size:clamp(26px,3.4vw,38px);line-height:1.25}.surat-cta-band p{opacity:.9;margin-bottom:30px;font-size:17px;line-height:1.8}.surat-cta-row{flex-wrap:wrap;justify-content:center;gap:14px;display:flex}.surat-btn-gold,.surat-btn-ghost{letter-spacing:.03em;text-transform:uppercase;border-radius:6px;align-items:center;gap:9px;padding:15px 34px;font-size:15px;font-weight:700;text-decoration:none;transition:transform .25s,box-shadow .25s,background .25s;display:inline-flex}.surat-btn-gold{background:var(--gradient-gold);color:var(--color-primary);box-shadow:0 10px 26px #c9a84c59}.surat-btn-gold:hover{color:var(--color-primary);transform:translateY(-2px);box-shadow:0 14px 34px #c9a84c80}.surat-btn-ghost{color:#fff;background:0 0;border:1.5px solid #fff6}.surat-btn-ghost:hover{color:#fff;background:#ffffff1a;border-color:#fff;transform:translateY(-2px)}.surat-faq{max-width:880px;margin:0 auto}.surat-faq__item{background:#fff;border:1px solid #1a1a2e1a;border-radius:14px;margin-bottom:14px;transition:box-shadow .3s,border-color .3s;overflow:hidden}.surat-faq__item.is-open{box-shadow:var(--shadow-md);border-color:#c9a84c80}.surat-faq__q{appearance:none;text-align:left;cursor:pointer;width:100%;font-family:var(--font-display);color:var(--color-primary);background:0 0;border:none;padding:22px 60px 22px 26px;font-size:18px;font-weight:700;line-height:1.4;position:relative}.surat-faq__q:after{content:"+";width:30px;height:30px;color:var(--color-gold-dark);background:#c9a84c24;border-radius:50%;justify-content:center;align-items:center;font-size:22px;font-weight:400;transition:transform .3s,background .3s;display:inline-flex;position:absolute;top:50%;right:22px;transform:translateY(-50%)}.surat-faq__item.is-open .surat-faq__q:after{content:"−";background:var(--gradient-gold);color:var(--color-primary);transform:translateY(-50%)rotate(180deg)}.surat-faq__a{max-height:0;padding:0 26px;transition:max-height .4s,padding .4s;overflow:hidden}.surat-faq__item.is-open .surat-faq__a{max-height:520px;padding:0 26px 24px}.surat-faq__a p{color:var(--color-gray-dark);margin:0;font-size:16px;line-height:1.8}@media (max-width:767px){.surat-faq__q{padding:18px 54px 18px 20px;font-size:16.5px}.surat-faq__a,.surat-faq__item.is-open .surat-faq__a{padding-left:20px;padding-right:20px}}.surat-section-head{text-align:center;max-width:760px;margin:0 auto 48px}.surat-section-head .corp-subtitle{letter-spacing:.14em;text-transform:uppercase;color:var(--color-gold-dark);margin-bottom:10px;font-size:13px;font-weight:700;display:inline-block}.surat-section-head h2{font-family:var(--font-display);color:var(--color-primary);font-size:clamp(26px,3vw,36px);line-height:1.25}.surat-section-head p{color:var(--color-gray-dark);margin-top:12px;font-size:17px;line-height:1.8}