<!doctype html>
<html lang="id">
<head>
<meta charset="utf-8" />
<meta name="viewport" content="width=device-width,initial-scale=1" />
<title>Pensiun Emas 5-15/20</title>

<!-- Fonts -->
<link href="https://fonts.googleapis.com/css2?family=Merriweather:wght@700;900&family=Poppins:wght@300;400;600&display=swap" rel="stylesheet">

<style>
  :root{
    --navy: #0a2c66;
    --navy-2: #0b335f;
    --gold: #d4ad3b;
    --gold-soft: #f3c84b;
    --mustard: #f0c86f;
    --cream: #f7edd6;
    --paper: #fffaf0;
    --text: #1f2b33;
    --container-w: 900px;
  }

  *{box-sizing:border-box}
  html,body{height:100%; margin:0; background:#f0f2f5; font-family: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial; color:var(--text); -webkit-font-smoothing:antialiased}
  .wrap{max-width:var(--container-w); margin:28px auto; background:white; box-shadow:0 18px 40px rgba(10,40,80,0.12); border-radius:6px; overflow:hidden}

  /* HERO: image with curved ribbon overlay */
  .hero{
    position:relative;
    height:380px;
    background:#ddd;
  }
  .hero img{
    width:100%;
    height:70%;
    object-fit:cover;
    object-position: 50% 20%; /* sesuaikan crop wajah */
    display:block;
  }

  /* SVG ribbon over bottom of hero */
  .ribbon-svg{
    position:absolute;
    left:0; right:0;
    bottom:0;
    height:195px;
    pointer-events:none;
  }

  /* Title placed inside the ribbon area */
  .ribbon-title{
    position:absolute;
    left:36px;
    right:36px;
    bottom:20px;
    display:flex;
    align-items:flex-end;
    gap:18px;
    pointer-events:auto;
  }
  .ribbon-title .left{
    flex:1;
    color:var(--gold);
  }
.ribbon-title h1{
  margin:0;
  font-family:"Merriweather", serif;
  font-weight:900;
  font-size:44px;
  letter-spacing:1px;
  line-height:1;

  /* Gradient text */
  background: linear-gradient(180deg, #fceabb, #e1b949, #d4ad3b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  color: transparent;
}

  .ribbon-title p{
    margin:6px 0 0 0;
    color:white;
    font-weight:600;
    font-size:16px;
    text-shadow:0 2px 6px rgba(0,0,0,0.25);
  }

  /* Main content area (three columns) */
  .main{
    display:grid;
    grid-template-columns: 260px 1fr 300px;
    gap:18px;
    padding:22px 28px;
/*  background: linear-gradient(180deg, #d4ad3b,#d4ad3b, var(--cream)); */
  background: linear-gradient(180deg,  var(--cream)); 

  }

/* left gold panel */
.panel-left{
  background: linear-gradient(180deg, #fceabb, #e1b949, #d4ad3b);
  padding:18px;
  border-radius:6px;
  color:var(--navy-2);
  box-shadow: inset 0 -8px 0 rgba(0,0,0,0.03);
}


  .panel-left h3{margin:0 0 12px 0; font-size:18px; color:var(--navy)}
  .panel-left p{margin:0; line-height:1.6; font-size:14px}

  /* middle features (cream) */
  .panel-center{
    background: linear-gradient(180deg, #fff, #fffaf0);
    padding:18px;
    border-radius:6px;
    min-height:220px;
    position:relative;
  }
  .panel-center h3{margin:0 0 6px 0; color:var(--navy)}
/* GANTI blok .pill lama dengan ini (rekomendasi) */
.pill{
  display:inline-block;
  background: linear-gradient(180deg, #fbe98f, var(--gold-soft));
  padding:10px 14px;
  border-radius:8px;
  font-weight:800;
     color: var(--navy);
  margin:10px 0 14px 0;
  border: 2px solid rgba(0,0,0,0.06);
  box-shadow:
    0 6px 18px rgba(11,58,106,0.12),
    inset 0 1px 0 rgba(255,255,255,0.35);
  /* membuat teks lebih terbaca: highlight + shadow + stroke untuk WebKit */
  text-shadow:
    0 1px 0 rgba(255,255,255,0.35),   /* subtle top highlight (emboss) */
    0 3px 8px rgba(0,0,0,0.45);       /* drop shadow untuk kontras */
  -webkit-text-stroke: 0.7px rgba(0,0,0,0.22); /* outline tipis di Chrome/Safari */
  -webkit-font-smoothing:antialiased;
}


  .features{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:10px;
    margin-top:6px;
  }
  .feature{
    background:#fff;
    border-radius:6px;
    padding:10px;
    box-shadow:0 8px 18px rgba(11,58,106,0.04);
    font-size:13px;
  }
  .feature strong{display:block; color:var(--navy); margin-bottom:6px}

  /* right scheme (light) */
  .panel-right{
    background: linear-gradient(180deg, var(--paper), var(--cream));

    padding:18px;
    border-radius:6px;
    border:1px solid rgba(11,58,106,0.04);
  }
  .panel-right h3{margin:0 0 10px 0; color:var(--navy)}
  .panel-right p{margin:8px 0; font-size:14px}
  .panel-right .total{
    margin-top:10px;
    padding:10px;
    border-radius:6px;
    background:linear-gradient(90deg,#fffaf0,#fff2d7);
    font-weight:700;
    color:var(--navy);
    text-align:center;
  }

  /* dark CTA bar */
  .cta{
    background:var(--navy);
    color:white;
    padding:14px 28px;
    text-align:center;
    font-weight:700;
    letter-spacing:0.2px;
  }

  /* bottom contact area */
  .bottom{
    display:flex;
    gap:12px;
    align-items:center;
    padding:18px 28px;
    background:var(--cream);
    justify-content:space-between;
  }
  .contact{
    font-size:14px;
    color:var(--navy);
  }
  .contact strong{display:block; font-weight:700; color:var(--navy); margin-bottom:6px}
  .logo-qr{display:flex; gap:14px; align-items:center}
  .logo{
    width:120px; height:60px; border-radius:6px; background:#fff; display:flex; align-items:center; justify-content:center; box-shadow:0 6px 18px rgba(11,58,106,0.06); overflow:hidden
  }
  .logo img{max-width:100%; max-height:100%; object-fit:contain}
  .qr{
    width:92px; height:92px; background:#fff; border-radius:6px; display:flex; align-items:center; justify-content:center; box-shadow:0 6px 18px rgba(11,58,106,0.06)
  }
  .qr img{width:80px; height:80px; object-fit:cover}

  /* small decorative footer spacing */
  .bottom .small{
    font-size:12px; color:rgba(23,34,50,0.7)
  }

  @media (max-width:980px){
    .main{grid-template-columns:1fr; padding:16px}
    .ribbon-title{left:18px; right:18px; bottom:10px}
    .wrap{margin:12px}
  }
  
.two-column {
  display: flex;
  border-left: 1px solid transparent;
  border-right: 1px solid transparent;
  border-top: 2px solid var(--cream);
  border-bottom: 2px solid var(--cream);
  margin: 0; /* hapus margin atas/bawah */
  padding: 0; /* optional, jika ingin padding di luar hilang */
}

.column {
  box-sizing: border-box;
  padding: 20px;
  font-size: 14px;
}
.column.left {
  flex: 1.5;
  border-right: 2px solid var(--cream);
}
.column.right {
  flex: 2;
}

</style>
</head>
<body>

<div class="wrap" role="main">

  <!-- HERO with background photo -->
  <div class="hero" aria-hidden="false">
    <img src="masapensiun.png" alt="Orang tua bahagia - masapensiun.png">
    <!-- decorative ribbon (blue + gold accents) -->
    <svg class="ribbon-svg" viewBox="0 0 1200 260" preserveAspectRatio="none" xmlns="http://www.w3.org/2000/svg">
      <defs>
        <linearGradient id="gBlue" x1="0" x2="1">
          <stop offset="0" stop-color="#083054"/>
          <stop offset="1" stop-color="#0a2c66"/>
        </linearGradient>
        <linearGradient id="gGold" x1="0" x2="1">
          <stop offset="0" stop-color="#fde6b8"/>
          <stop offset="1" stop-color="#d4ad3b"/>
        </linearGradient>
      </defs>

      <path d="M0 140 C220 80 700 80 1200 140 L1200 260 L0 260 Z" fill="url(#gGold)" opacity="0.98"/>
<path d="M0 110 
         C220 40 700 40 1200 110 
         L1200 200 
         C700 220 250 290 0 235 Z" 
      fill="url(#gBlue)"/>
      <path d="M0 132 C220 72 700 72 1200 132" fill="none" stroke="#caa046" stroke-width="8" stroke-linecap="round" stroke-linejoin="round" />
    </svg>

    <!-- Title over ribbon -->
    <div class="ribbon-title" role="banner" aria-label="Judul Program">
      <div class="left">
        <h1>PENSIUN EMAS 5-15/20</h1>
        <p>Mulai Pensiun Sejahtera, Cuma Bayar 5 Tahun!</p>
      </div>
    </div>
  </div>

  <!-- MAIN: 3 columns mirip brosur -->
  <div class="main" role="region" aria-label="Informasi Program">
    <!-- left gold column -->
    <div class="panel-left" aria-hidden="false">
        <div>
      <h3>Impian Pensiun Nyata dalam Genggaman Anda</h3>
      <p>Masa depan cerah tanpa beban finansial bukan lagi angan-angan.
      Bayar premi singkat, nikmati manfaat jangka panjang!</p>            
            
        </div><br><br>
        <div>
     <h3>Apa Keunggulan Program Ini?</h3>

      <div class="pill">SPESIAL! Hanya 5 TAHUN</div>

      <div style="font-size:14px; color:var(--navy); margin-bottom:8px;">Masa Pembayaran Premi Cepat</div>

      <div class="features">
        <div class="feature">
          <strong>PILIHAN JANGKA WAKTU</strong>
          Cair Tahun ke-15 atau ke-20 sesuai kebutuhan
        </div>
        <div class="feature">
          <strong>PEMBAYARAN PREMI CEPAT</strong>
          Hanya 5 tahun. Ringkas, jelas, manfaat berjangka panjang
        </div>
        <div class="feature">
          <strong>MANFAAT PASTI</strong>
          Nilai Tunai yang pasti dengan Manfaat Asuransi Jiwa untuk ahli waris
        </div>
        <div class="feature">
          <strong>BONUS TAHUNAN</strong>
          Manfaat bonus diberikan setiap tahun mulai tahun ke 6 hingga Akhir kontrak
        </div>
      </div>
        </div>

    </div>

    <!-- center cream column (features) -->
    <div class="panel-center" aria-hidden="false">
     <h3>Skema Kerja Pensiun Emas 5-15/20</h3>
      <p>
          <div class="two-column">
  <div class="column left">
    <strong>Tahun ke 1-5</strong>
  </div>
  <div class="column right">
    Bayar Premi Rutin
  </div>
</div>
          <div class="two-column">
  <div class="column left">
    <strong>Tahun ke 6-15/20</strong>
  </div>
  <div class="column right">
    Tidak Perlu Bayar. Setiap Tahun Terima Bonus.
  </div>
</div>
      </p>
      
       <h3>DATA ANDA</h3>
       <table style="font-size:12px;">
           <tr>
               <td>Nama</td>
               <td>: I Wayan Eka Mertha</td>
           </tr>
           <tr>
               <td>Usia</td>
               <td>: 39 Tahun</td>
           </tr>
           <tr>
               <td>UP</td>
               <td>: 10.000.000.000</td>
           </tr>
           <tr>
               <td>Premi</td>
               <td>: </td>
           </tr>
           <tr>
               <td>- Tahunan</td>
               <td>: 100.000.000</td>
           </tr>
           <tr>
               <td>- Semester</td>
               <td>: 100.000.000</td>
           </tr>
           <tr>
               <td>- Kuartal</td>
               <td>: 100.000.000</td>
           </tr>
           <tr>
               <td>- Bulanan</td>
               <td>: 100.000.000</td>
           </tr>           
       </table>
    </div>
    <!-- right white scheme column -->
    <div class="panel-right" aria-hidden="false">
      


    </div>
  </div>

  <!-- CTA ribbon -->
  <div class="cta" role="note">Jangan Tunda Kesejahteraan Masa Tua Anda!</div>

  <!-- bottom contact area -->
  <div class="bottom" role="contentinfo">
    <div class="contact" aria-label="Hubungi Kami">
      <strong>Hubungi Kami Segera!</strong>
      Nama Agen: [Nama Anda] <br>
      Nomor Kontak: [Nomor Telepon/WA] <br>
      Email: [Alamat Email]
      <div class="small" style="margin-top:8px">Scan QR untuk simulasi dan informasi lebih lanjut</div>
    </div>

    <div class="logo-qr" aria-hidden="false">
      <div class="logo" title="Logo Perusahaan">
        <!-- ganti logo.png -->
        <img src="logo.png" alt="Logo Perusahaan">
      </div>
      <div class="qr" title="QR Code">
        <!-- ganti qrcode.png -->
        <img src="qrcode.png" alt="QR Code untuk simulasi">
      </div>
    </div>
  </div>

</div>

</body>
</html>
