.credit-pj {
    --maro: #d58660;
    --maro-hover: #D6865C;
    --verde: #3F8996;
    --verde-hover: #428995;
    --portofin-dark: #104957;
    --portofin-orange: #F39327;
    --text-dark: #2c3e50;
    --text-light: #6c7b7f;
    --bg-light: #f8f9fa;
}

.credit-pj .hero-section {
    background: linear-gradient(135deg, var(--portofin-dark) 0%, var(--verde) 100%);
    color: white;
    padding: 110px 0;
    position: relative;
    overflow: hidden;
    border-radius: 10px;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;

}
/* overlay */
.credit-pj .hero-section::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgb(77 104 111 / 45%) 0%, rgb(11 116 135 / 75%) 100%);
    z-index: 1;
}
.credit-pj .hero-section::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    /* width: 40%; */
    height: 100%;
}

.credit-pj .hero-content {
    position: relative;
    z-index: 2;
    /* margin-right: 30px; */
}
.credit-pj .main-title {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 3.5rem;
    line-height: 1.2;
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 3rem;
    margin-top: 2rem!important;
}
.credit-pj .hero-title {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 3.5rem;
    line-height: 1.2;
    font-size: 3rem;
    font-weight: 700;

    text-shadow: 2px 2px 8px rgba(0,0,0,0.5);
    color: #fff0dd;
}

.credit-pj .hero-subtitle {
    line-height: 1.6;
    opacity: 0.9;
    max-width: 800px;
    margin-top: 40px;
    font-size: 1.7rem;
    margin-left: auto;
    margin-right: auto;
    text-shadow: 1px 1px 4px rgba(0,0,0,0.3);
    color: #fff0dd;
}
.credit-pj .stat-cards {
    display: flex;
    flex-direction: row;
}
.credit-pj .stat-card {
    background: rgba(255,255,255,0.85);
    padding: 1rem;
    border-radius: 15px;
    backdrop-filter: blur(10px);
    box-shadow: 0 10px 30px rgba(0,0,0,0.5);
}
.credit-pj .stat-main {
    font-size: 2rem;
    font-weight: 700;
    color: var(--maro);
}
.credit-pj .stat-detail {
    font-size: 1rem;
    color: #6c7b7f;
}
.credit-pj .btn-portof a {
    background-color: #D6865C;
    color: #fff;
    padding: 3px 15px;
    padding: 5px 12px;
    border-radius: 11px;
    text-decoration: none;
    font-weight: 600;
    display: inline-block;
    transition: all 0.3s ease;
}
.credit-pj .btn-portof a:hover {
    background-color: var(--text-dark);

}

.credit-pj .strip-info {
    background: linear-gradient(90deg, #01637b  0%, #094e5b 100%);
    padding: 2rem 0;
    margin-top: 1rem;
    border-radius: 10px;
}
.credit-pj .brand-highlight {
    color: var(--portofin-orange);
    font-weight: 600;
}

.credit-pj .section-header {
    background: var(--bg-light);
    padding: 60px 0;
}

.credit-pj .section-title {
    color: var(--portofin-dark);
    font-size: 2.2rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    display: flex;
    justify-self: center;
    padding-top: 10px;
    padding-bottom: 10px;

}

.credit-pj .section-subtitle {
    color: var(--verde);
    font-size: 1.3rem;
    font-weight: 500;
    margin-bottom: 1rem;
}

.credit-pj .content-card {
    background: white;
    border-radius: 15px;
    padding: 2rem;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    margin-bottom: 2rem;
    position: relative;
    overflow: hidden;
    transition: all 0.3s ease;
}

.credit-pj .content-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, #359cb6, #065c6e);
}

.credit-pj .content-card:hover {
    transform: translateY(-1px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.12);
}

.credit-pj .business-type {
    background: linear-gradient(135deg, rgba(16, 73, 87, 0.05), rgba(243, 147, 39, 0.05));
    /* border: 1px solid rgba(16, 73, 87, 0.1); */
    border-radius: 10px;
    padding: 1.5rem;
    margin-bottom: 1.5rem;
    transition: all 0.3s ease;
}

.credit-pj .business-type:hover {
    /* border-color: var(--portofin-orange); */
    background: linear-gradient(135deg, rgba(16, 73, 87, 0.08), rgba(243, 147, 39, 0.08));
}

.credit-pj .business-type h4 {
    color: var(--portofin-dark);
    font-size: 1.5rem;
    font-weight: 600;
    margin-bottom: 0.8rem;
}

.credit-pj .business-list {
    list-style: none;
    padding: 0;
}

.credit-pj .business-list li {
    padding: 0.4rem 0;
    position: relative;
    padding-left: 1.5rem;
    color: var(--text-dark);
}

.credit-pj .business-list li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--maro);
    font-weight: bold;
    font-size: 1.2rem;
}


/* Credit Types Simple Section */
.credit-pj .credit-types-section {
    background: white;
    padding: 60px 0;
}

.credit-pj .credit-types-section .section-intro {
    font-size: 1.5rem;
    color: var(--text-light);
    max-width: 900px;
    margin: 1rem auto 0;
}

.credit-pj .credit-type-simple {
    background: var(--bg-light);
    border: 1px solid rgba(16, 73, 87, 0.1);
    border-radius: 12px;
    padding: 1.5rem;
    height: 100%;
    display: flex;
    flex-direction: column;
    transition: all 0.3s ease;
    min-height: 150px;
    margin-bottom: 12px;
}

.credit-pj .credit-type-simple:hover {
    border-color: var(--text-dark);
    box-shadow: 0 8px 20px rgba(6, 70, 76, 0.15);
    transform: translateY(-3px);
}

.credit-pj .credit-type-simple h5 {
    color: var(--portofin-dark);
    font-size: 1.6rem;
    font-weight: 600;
    margin-bottom: 0.8rem;
}

.credit-pj .credit-type-simple p {
    color: var(--text-light);
    font-size: 1.3rem;
    line-height: 1.5;
    margin-bottom: 1.2rem;
    flex-grow: 1;
}

.credit-pj .btn-credit {
    background: var(--maro);
    color: white;
    text-align: center;
    padding: 0px 0px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
    transition: all 0.3s ease;
    display: inline-block;
    max-width: 120px;
}

.credit-pj .btn-credit:hover {
    background: var(--verde);
    color: white;
    text-decoration: none;
    transform: translateY(-2px);
}


























.credit-pj .benefit-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.credit-pj .benefit-item {
    background: white;
    border-radius: 10px;
    padding: 1.5rem;
    box-shadow: 0 5px 15px rgba(0,0,0,0.08);
    position: relative;
    transition: all 0.3s ease;
}

.credit-pj .benefit-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: linear-gradient(90deg, var(--portofin-dark), var(--portofin-dark));
    border-radius: 10px 10px 0 0;
}

.credit-pj .benefit-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
}

/* Process steps */
.credit-pj .process-steps {
    background: var(--bg-light);
    padding: 0px 0;
}

.credit-pj .step-item {
    background: white;
    border-radius: 15px;
    padding: 2rem;
    margin-bottom: 1.5rem;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    position: relative;
    transition: all 0.3s ease;
}

.credit-pj .step-number {
    position: absolute;
    top: -21px;
    left: 2rem;
    background: linear-gradient(135deg, var(--portofin-dark), var(--verde));
    color: white;
    width: 35px;
    height: 35px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.2rem;
}

.credit-pj .step-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 35px rgba(0,0,0,0.12);
}

.credit-pj .highlight-text {
    color: var(--maro);
    font-weight: 600;
}

/* Arrow Styles */
.credit-pj .step-arrow {
    position: relative;
    width: 100%;
    height: 80px;
    margin: -30px 0 -17px 0;
}

.credit-pj .step-arrow svg {
    width: 100%;
    height: 80px;
}

.credit-pj .step-arrow.arrow-right {
    transform: translateX(50%);
}

.credit-pj .step-arrow.arrow-left {
    transform: translateX(-50%);
}

/* Arrow Animation */
.credit-pj .step-arrow path {
    stroke-dasharray: 300;
    stroke-dashoffset: 300;
    animation: drawArrow 1.5s ease-in-out forwards;
}

@keyframes drawArrow {
    to {
        stroke-dashoffset: 0;
    }
}

/* Delay animations for each arrow */
.credit-pj .row:nth-child(2) .step-arrow path {
    animation-delay: 0.3s;
}

.credit-pj .row:nth-child(3) .step-arrow path {
    animation-delay: 0.6s;
}

.credit-pj .row:nth-child(4) .step-arrow path {
    animation-delay: 0.9s;
}

.credit-pj .info-banner {
    background: linear-gradient(135deg, var(--verde), var(--verde));
    color: white;
    padding: 1rem 0rem;
    border-radius: 20px;
    text-align: center;
    margin: 3rem 0;
    position: relative;
    overflow: hidden;
}
.credit-pj .info-banner h3 {
    color: white;
    font-size: 1.8rem;
    font-weight: 600;
    margin-bottom: 1rem;
}
.credit-pj .info-banner p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.4rem;
    margin-left: auto;
    margin-right: auto;
}
.credit-pj .info-banner::before {
    /* content: '';
    position: absolute;
    top: 0;
    left: -50%;
    width: 200%;
    height: 100%;
    background: linear-gradient(45deg, transparent, rgba(255,255,255,0.1), transparent); */

}


/* Consultation Note - Last section*/
.credit-pj .consultation-note {
    background: rgba(243, 147, 39, 0.1);
    border: 1px solid rgba(243, 147, 39, 0.3);
    border-radius: 10px;
    padding: 1.5rem;
    margin: 2rem 0;
    position: relative;
}

.credit-pj .consultation-note::before {
    content: '💡';
    position: absolute;
    top: 1rem;
    left: 1rem;
    font-size: 1.5rem;
}

.credit-pj .consultation-note p {
    margin: 0;
    padding-left: 2.5rem;
    color: var(--portofin-dark);
    font-style: italic;
}

/* Why Choose Portofin Section */
.credit-pj .why-section {
    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
    padding: 35px 0;
}

.credit-pj .why-section .section-title {
    color: var(--portofin-dark);
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.credit-pj .why-section .title-underline {
    width: 80px;
    height: 4px;
    background: linear-gradient(90deg, var(--portofin-orange), var(--verde));
    margin: 0 auto;
    border-radius: 2px;
}

.credit-pj .why-card {
    background: white;
    border-radius: 20px;
    padding: 2rem;
    height: 100%;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    position: relative;
    overflow: hidden;
    transition: all 0.3s ease;
}

.credit-pj .why-card:hover {
    /* transform: translateY(-5px); */
    box-shadow: 0 20px 50px rgba(0,0,0,0.15) !important;
}


.credit-pj .why-icon {
    width: 30px;
    height: 30px;
    border-radius: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    position: relative;
}

.credit-pj .why-icon.gradient-1 {
    background: linear-gradient(135deg, var(--portofin-orange), var(--maro));
}

.credit-pj .why-icon.gradient-2 {
    background: linear-gradient(135deg, var(--verde), var(--portofin-dark));
}

.credit-pj .why-icon.gradient-3 {
    background: linear-gradient(135deg, var(--maro), var(--portofin-orange));
}

.credit-pj .why-icon i {
    font-size: 1.8rem;
    color: white;
}

.credit-pj .why-card h4 {
    color: var(--portofin-dark);
    font-size: 1.5rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

.credit-pj .why-card p {
    color: var(--text-light);
    line-height: 1.7;
    margin: 0;
}

/* Final CTA */
.credit-pj .final-cta {
    background: linear-gradient(135deg, var(--portofin-dark), var(--verde));
    padding: 3rem;
    border-radius: 20px;
    text-align: center;
    position: relative;
    overflow: hidden;
}


.credit-pj .final-cta-content {
    position: relative;
    z-index: 2;
}

.credit-pj .final-cta h3 {
    color: white;
    font-size: 1.8rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

.credit-pj .final-cta p {
    color: rgba(255,255,255,0.9);
    font-size: 1.4rem;
    margin-bottom: 2rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.credit-pj .final-cta a {
    background: var(--maro);
    color: white;
    padding: 15px 40px;
    border-radius: 11px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
    display: inline-block;
    transition: all 0.3s ease;
    box-shadow: 0 8px 20px rgba(243, 147, 39, 0.3);
}

.credit-pj .final-cta a:hover {
    background: var(--text-dark) !important;
    transform: translateY(-2px);
    /* box-shadow: 0 12px 30px rgba(243, 147, 39, 0.4) !important; */
    color: white;
    text-decoration: none;
}

/* Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes shine {
    0% { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}

@media (max-width: 768px) {
    .credit-pj .hero-section {
        padding: 60px 0;
    }
    .credit-pj .stat-cards {
        flex-direction: row;
        justify-self: center;
    }
    .credit-pj .section-header {
        padding: 40px 0;
    }

    .credit-pj .content-card {
        padding: 1.5rem;
        margin-bottom: 1.5rem;
    }

    .credit-pj .benefit-grid {
        grid-template-columns: 1fr;
    }

    .credit-pj .step-item {
        padding: 2rem;
        padding-top: 2.5rem;
    }
    .credit-pj .step-number {
        width: 30px;
        height: 30px;
    }
    .credit-pj .steps-container .col-md-6:empty {
        display: none;
    }
    .credit-pj .step-arrow {
        display: none;
    }
   .credit-pj .why-section {
        padding: 60px 0;
    }

   .credit-pj .why-card {
        padding: 2rem;
    }

   .credit-pj .final-cta {
        padding: 2rem;
    }
    .credit-pj .info-banner p {
        font-size: 1.2rem;
    }
    .credit-pj .credit-types-section {
        padding: 40px 0;
    }
    .credit-pj .credit-type-simple {
        margin-bottom: 1rem;
    }
}
@media (max-width: 535px) {
    .credit-pj .stat-cards {
        flex-direction: column;
    }
    .credit-pj .hero-section {
        background-position: left;
    }
}
@media (min-width: 768px) {
    .credit-pj .hero-content {
        margin-right: 30px;
    }
}
@media (max-width: 991px) {
    .credit-pj .step-arrow {
        display: none;
    }
}
@media (max-width: 576px) {
   .credit-pj .stat-card {
        margin-bottom: 1rem;
    }
}