{"id":1237,"date":"2026-05-13T15:45:41","date_gmt":"2026-05-13T08:45:41","guid":{"rendered":"https:\/\/pandaigadai.com\/blog\/?page_id=1237"},"modified":"2026-05-13T19:19:36","modified_gmt":"2026-05-13T12:19:36","slug":"cek-uang-kelebihan","status":"publish","type":"page","link":"https:\/\/pandaigadai.com\/blog\/cek-uang-kelebihan\/","title":{"rendered":"Cek Uang Kelebihan"},"content":{"rendered":"\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\" \/>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin \/>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Rubik:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\" \/>\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/PapaParse\/5.4.1\/papaparse.min.js\" defer><\/script>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Apa itu uang kelebihan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Uang kelebihan adalah selisih lebih dari hasil penjualan barang gadai yang sudah melewati jatuh tempo, setelah dikurangi seluruh kewajiban Anda (pinjaman pokok, biaya jasa, biaya keterlambatan) dan biaya lelang\/penjualan.\"}},{\"@type\":\"Question\",\"name\":\"Bagaimana perhitungan uang kelebihan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rumusnya: Harga Laku Barang dikurangi Sisa Kewajiban dikurangi Biaya Lelang (30% dari Sisa Kewajiban).\"}},{\"@type\":\"Question\",\"name\":\"Berapa lama saya punya waktu untuk klaim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Anda memiliki waktu 12 bulan sejak tanggal pemberitahuan. Setelah itu, dana disalurkan untuk kepedulian sosial.\"}},{\"@type\":\"Question\",\"name\":\"Apa yang perlu saya bawa ke cabang?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bawa KTP asli dan SBG (Surat Bukti Gadai) asli.\"}},{\"@type\":\"Question\",\"name\":\"Bagaimana cara menerima dana?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Langsung di cabang setelah verifikasi, atau transfer otomatis ke rekening bank Anda setelah konfirmasi.\"}},{\"@type\":\"Question\",\"name\":\"Apakah ada biaya untuk mengeklaim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tidak. Klaim uang kelebihan 100% gratis. Tidak ada potongan, tidak ada biaya administrasi.\"}}]}\n<\/script>\n\n<style>\n\/* \u2500\u2500 Design tokens on container (not :root \u2014 WP may override :root vars) \u2500\u2500 *\/\n#pg-surplus-page {\n  --clr-primary:      hsl(215,98%,32%);\n  --clr-primary-fg:   #fff;\n  --clr-accent:       hsl(48,100%,51%);\n  --clr-accent-fg:    #000;\n  --clr-success:      hsl(142,71%,45%);\n  --clr-success-fg:   #fff;\n  --clr-warning:      hsl(38,92%,50%);\n  --clr-warning-fg:   hsl(30,80%,15%);\n  --clr-destructive:  hsl(0,72%,51%);\n  --clr-bg:           #fff;\n  --clr-fg:           hsl(215,25%,15%);\n  --clr-card:         #fff;\n  --clr-secondary:    hsl(210,20%,96%);\n  --clr-secondary-fg: hsl(215,25%,15%);\n  --clr-muted:        hsl(210,20%,96%);\n  --clr-muted-fg:     hsl(215,10%,46%);\n  --clr-border:       hsl(214,20%,90%);\n  --clr-wa:           #25D366;\n  --clr-footer:       #02439F;\n  --radius:           0.75rem;\n  --hero-gradient:    linear-gradient(135deg,#1a2070,#2a35c4);\n  --shadow-sm:        0 1px 3px rgba(0,0,0,.08);\n  --shadow-md:        0 4px 12px rgba(0,0,0,.10);\n}\n\n\/* \u2500\u2500 WordPress full-bleed break-out + base \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n\/* Escapes WP .entry-content \/ .page-content padding & max-width.          *\/\n\/* ID selector (0,1,0,0) beats any WP theme class rules (0,0,x,x).         *\/\n#pg-surplus-page {\n  position: relative;\n  width: 100vw;\n  max-width: 100vw;\n  margin-left: calc(50% - 50vw);\n  margin-right: calc(50% - 50vw);\n  box-sizing: border-box;\n  font-family: 'Rubik', system-ui, -apple-system, 'Segoe UI', sans-serif;\n  background: var(--clr-bg);\n  color: var(--clr-fg);\n  -webkit-font-smoothing: antialiased;\n  min-height: 100vh;\n  display: flex;\n  flex-direction: column;\n  \/* NO overflow-x:hidden \u2014 breaks position:fixed children *\/\n}\nhtml, body { overflow-x: hidden; }\n\n\/* \u2500\u2500 Reset \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page *, #pg-surplus-page *::before, #pg-surplus-page *::after {\n  box-sizing: border-box; margin: 0; padding: 0;\n}\n\n\/* \u2500\u2500 Base elements \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page h1,\n#pg-surplus-page h2,\n#pg-surplus-page h3,\n#pg-surplus-page h4 { letter-spacing: -.02em; color: inherit; }\n#pg-surplus-page a { color: inherit; text-decoration: none; }\n#pg-surplus-page img { display: block; max-width: 100%; }\n#pg-surplus-page button { cursor: pointer; font-family: inherit; }\n#pg-surplus-page input { font-family: inherit; }\n\n\/* \u2500\u2500 Layout helpers \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .container    { max-width: 72rem; margin: 0 auto; padding: 0 2rem; }\n#pg-surplus-page .container--sm{ max-width: 48rem; margin: 0 auto; padding: 0 2rem; }\n#pg-surplus-page .container--md{ max-width: 56rem; margin: 0 auto; padding: 0 2rem; }\n#pg-surplus-page .flex-1 { flex: 1; }\n#pg-surplus-page main.flex-1 { flex: 1 1 auto; }\n\n\/* \u2500\u2500 Navbar \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n\/* Double-ID (0,2,0,0) specificity crushes any WP theme class rule.        *\/\n\/* position:fixed is viewport-relative \u2014 immune to ancestor overflow:hidden.*\/\n#pg-surplus-page #pgNavbar {\n  position: fixed;\n  top: 0; left: 0; right: 0;\n  z-index: 999999;\n  background: #fff;\n  border-bottom: 1px solid hsl(214,20%,90%);\n  width: 100%; max-width: 100%;\n  box-sizing: border-box;\n}\nbody.admin-bar #pgNavbar { top: 32px !important; }\n@media screen and (max-width:782px) { body.admin-bar #pgNavbar { top: 46px !important; } }\n\n#pg-surplus-page .navbar__inner {\n  max-width: 72rem; margin: 0 auto; padding: 0 2rem;\n  display: flex; align-items: center; justify-content: space-between;\n  height: 5rem;\n}\n#pg-surplus-page .navbar__logo img { height: 3rem; width: auto; }\n#pg-surplus-page .navbar__nav { display: none; align-items: center; gap: 1.75rem; }\n#pg-surplus-page .navbar__nav a {\n  font-size: .875rem; font-weight: 500;\n  color: hsl(215,10%,46%); transition: color .15s; text-decoration: none;\n}\n#pg-surplus-page .navbar__nav a:hover { color: hsl(215,98%,32%); }\n#pg-surplus-page .navbar__cta {\n  display: inline-flex; align-items: center; justify-content: center;\n  border-radius: .5rem; background: hsl(48,100%,51%); color: #000;\n  padding: .6rem 1rem; font-size: .875rem; font-weight: 700;\n  box-shadow: 0 1px 3px rgba(0,0,0,.08); transition: filter .15s;\n  text-decoration: none;\n}\n#pg-surplus-page .navbar__cta:hover { filter: brightness(.95); }\n\n\/* \u2500\u2500 Burger button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n\/* ID+class = (0,1,1,0) specificity beats WP theme (0,0,x,x) class rules  *\/\n\/* No !important needed. color: hsl(215,25%,15%) = dark slate.             *\/\n\/* SVG stroke=\"currentColor\" inherits this dark color \u2192 icon is visible.   *\/\n#pg-surplus-page .navbar__burger {\n  display: flex; align-items: center; justify-content: center;\n  width: 2.5rem; height: 2.5rem; border: none; background: transparent;\n  color: hsl(215,25%,15%); cursor: pointer; flex-shrink: 0;\n}\n#pg-surplus-page .navbar__burger svg { display: block; pointer-events: none; }\n#pg-surplus-page .navbar__burger .icon-close { display: none; }\n#pg-surplus-page .navbar__burger.active .icon-menu  { display: none; }\n#pg-surplus-page .navbar__burger.active .icon-close { display: block; }\n\n\/* \u2500\u2500 Mobile menu \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .navbar__mobile {\n  display: none; border-top: 1px solid hsl(214,20%,90%); background: #fff;\n}\n#pg-surplus-page .navbar__mobile.open { display: block; }\n#pg-surplus-page .navbar__mobile-inner { max-width: 72rem; margin: 0 auto; padding: .75rem 2rem; }\n#pg-surplus-page .navbar__mobile a {\n  display: block; padding: .5rem 0; font-size: .875rem; font-weight: 600;\n  color: hsl(215,25%,15%); text-decoration: none;\n}\n#pg-surplus-page .navbar__mobile .navbar__cta {\n  display: flex; width: 100%; margin-top: .5rem; justify-content: center;\n}\n@media(min-width:768px) {\n  #pg-surplus-page .navbar__nav    { display: flex; }\n  #pg-surplus-page .navbar__burger { display: none; }\n}\n\n\/* \u2500\u2500 Buttons \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .btn {\n  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;\n  border: none; border-radius: .5rem; font-family: inherit;\n  font-weight: 700; cursor: pointer; transition: filter .15s, transform .1s;\n  white-space: nowrap;\n}\n#pg-surplus-page .btn:hover { filter: brightness(.93); }\n#pg-surplus-page .btn--primary { background: var(--clr-primary); color: var(--clr-primary-fg); padding: .625rem 1.5rem; font-size: .875rem; }\n#pg-surplus-page .btn--accent  { background: var(--clr-accent);  color: var(--clr-accent-fg);  padding: .625rem 1.5rem; font-size: .875rem; }\n#pg-surplus-page .btn--wa      { background: var(--clr-wa);       color: #fff;                  padding: .625rem 1.5rem; font-size: .875rem; }\n#pg-surplus-page .btn--lg      { padding: .75rem 2rem; font-size: 1rem; }\n#pg-surplus-page .btn--sm      { padding: .4rem .85rem; font-size: .8rem; }\n#pg-surplus-page .btn--outline { background: transparent; border: 1px solid var(--clr-border); color: var(--clr-fg); padding: .5rem 1rem; font-size: .8rem; font-weight: 500; }\n#pg-surplus-page .btn--outline:hover { background: var(--clr-secondary); }\n#pg-surplus-page .btn--full    { width: 100%; }\n#pg-surplus-page .btn--h12     { height: 3rem; }\n\n\/* \u2500\u2500 Input \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .input {\n  width: 100%; height: 2.625rem; padding: 0 .875rem;\n  border: 1px solid var(--clr-border); border-radius: .5rem;\n  font-family: inherit; font-size: .875rem; color: var(--clr-fg);\n  background: var(--clr-bg); outline: none;\n  transition: border-color .15s, box-shadow .15s;\n}\n#pg-surplus-page .input:focus { border-color: var(--clr-primary); box-shadow: 0 0 0 3px hsla(215,98%,32%,.15); }\n#pg-surplus-page .input--no-border { border: 0; box-shadow: var(--shadow-md); }\n#pg-surplus-page .input--h12   { height: 3rem; }\n#pg-surplus-page .input--pl10  { padding-left: 2.5rem; }\n#pg-surplus-page .input--right { text-align: right; font-weight: 600; }\n\n\/* \u2500\u2500 Hero \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .hero {\n  position: relative; overflow: hidden;\n  padding: 10rem 2rem 6rem; \/* top = 5rem design + 5rem fixed-navbar clearance *\/\n  background: var(--hero-gradient);\n  color: #fff;\n}\n#pg-surplus-page .hero__highlight {\n  pointer-events: none; position: absolute; inset: 0; opacity: .2;\n  background: radial-gradient(ellipse at top right, rgba(255,255,255,.4), transparent 60%);\n}\n#pg-surplus-page .hero__circle1 {\n  pointer-events: none; position: absolute; right: -10rem; top: -10rem;\n  width: 31rem; height: 31rem; border-radius: 50%; background: rgba(255,255,255,.04);\n}\n#pg-surplus-page .hero__circle2 {\n  pointer-events: none; position: absolute; left: -5rem; bottom: 0;\n  width: 16rem; height: 16rem; border-radius: 50%; background: rgba(255,255,255,.04);\n}\n#pg-surplus-page .hero__inner { position: relative; max-width: 48rem; margin: 0 auto; text-align: center; }\n#pg-surplus-page .hero h1 { font-size: clamp(1.75rem,5vw,3rem); font-weight: 800; line-height: 1.15; margin-bottom: 1.25rem; color: #fff; }\n#pg-surplus-page .hero__sub { font-size: .9375rem; line-height: 1.7; color: rgba(255,255,255,.75); max-width: 36rem; margin: 0 auto 2.5rem; }\n\n#pg-surplus-page .hero__searchbox {\n  display: flex; flex-direction: column; gap: .75rem;\n  background: rgba(255,255,255,.12); border-radius: 1rem; padding: .75rem;\n  backdrop-filter: blur(8px); max-width: 36rem; margin: 0 auto;\n}\n@media(min-width:480px) { #pg-surplus-page .hero__searchbox { flex-direction: row; padding: 1rem; } }\n#pg-surplus-page .hero__search-wrap { position: relative; flex: 1; }\n#pg-surplus-page .hero__search-wrap svg {\n  position: absolute; left: .875rem; top: 50%; transform: translateY(-50%);\n  color: var(--clr-muted-fg); pointer-events: none;\n}\n\n#pg-surplus-page .hero__trust {\n  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;\n  gap: .75rem 1.5rem; margin-top: 2.5rem;\n  font-size: .8125rem; color: rgba(255,255,255,.7);\n}\n#pg-surplus-page .hero__trust-item { display: flex; align-items: center; gap: .375rem; color: rgba(255,255,255,.7); }\n#pg-surplus-page .hero__trust-item svg { color: rgba(255,255,255,.7); }\n\n#pg-surplus-page .hero__urgency {\n  display: inline-flex; flex-direction: column; align-items: center;\n  margin-top: 1.5rem;\n  background: rgba(251,146,60,.2); border-radius: .75rem;\n  padding: .75rem 1.25rem; font-size: .8125rem; color: hsl(38,92%,78%);\n}\n#pg-surplus-page .hero__urgency * { color: hsl(38,92%,78%); }\n#pg-surplus-page .hero__urgency-top { display: flex; align-items: center; gap: .5rem; font-weight: 700; margin-bottom: .25rem; }\n#pg-surplus-page .hero__urgency-sub { font-size: .7rem; opacity: .8; }\n#pg-surplus-page .hero__wave { position: absolute; bottom: -1px; left: 0; right: 0; }\n#pg-surplus-page .hero__wave svg { display: block; width: 100%; }\n\n\/* \u2500\u2500 Result search bar \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .result-header {\n  border-bottom: 1px solid var(--clr-border); background: var(--clr-secondary);\n}\n#pg-surplus-page .pg-row {\n  max-width: 72rem; width: 100%;\n  margin-left: auto; margin-right: auto;\n  padding-left: 2rem; padding-right: 2rem;\n  box-sizing: border-box;\n}\n#pg-surplus-page .result-header__inner { padding-top: 1rem; padding-bottom: 1rem; }\n#pg-surplus-page .result-header__nav { display: flex; align-items: center; gap: .75rem; margin-bottom: .75rem; }\n#pg-surplus-page .result-header__back {\n  display: flex; align-items: center; gap: .375rem;\n  font-size: .875rem; font-weight: 500; color: var(--clr-muted-fg);\n  background: none; border: none; transition: color .15s;\n}\n#pg-surplus-page .result-header__back:hover { color: var(--clr-fg); }\n#pg-surplus-page .result-header__div { color: rgba(0,0,0,.2); }\n#pg-surplus-page .result-header__title { font-size: .875rem; font-weight: 700; margin: 0; padding: 0; line-height: 1.2; }\n#pg-surplus-page .result-header__form { display: flex; gap: .5rem; max-width: 40rem; }\n#pg-surplus-page .result-header__input-wrap { position: relative; flex: 1; }\n#pg-surplus-page .result-header__input-wrap svg { position: absolute; left: .75rem; top: 50%; transform: translateY(-50%); color: var(--clr-muted-fg); pointer-events: none; }\n\n\/* \u2500\u2500 Results area \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .results-area { flex: 1; padding: 0; margin: 0; max-width: none; width: 100%; }\n#pg-surplus-page .results-area > .pg-row { padding-top: 2.5rem; padding-bottom: 2.5rem; }\n\n#pg-surplus-page .result-skeleton { display: grid; gap: 1rem; }\n@media(min-width:640px)  { #pg-surplus-page .result-skeleton { grid-template-columns: repeat(2,1fr); } }\n@media(min-width:1024px) { #pg-surplus-page .result-skeleton { grid-template-columns: repeat(3,1fr); } }\n#pg-surplus-page .skeleton-card {\n  height: 14rem; border-radius: .75rem;\n  background: linear-gradient(90deg, var(--clr-secondary) 25%, var(--clr-border) 50%, var(--clr-secondary) 75%);\n  background-size: 200% 100%; animation: pgs-shimmer 1.5s infinite;\n}\n@keyframes pgs-shimmer { to { background-position: -200% 0; } }\n\n#pg-surplus-page .result-error {\n  border-radius: 1rem; border: 1px solid hsla(0,72%,51%,.2);\n  background: hsla(0,72%,51%,.05); padding: 2.5rem; text-align: center;\n}\n#pg-surplus-page .result-error p:first-child { font-weight: 700; color: var(--clr-destructive); font-size: 1.125rem; }\n#pg-surplus-page .result-error p:last-child  { margin-top: .5rem; font-size: .875rem; color: var(--clr-muted-fg); }\n\n#pg-surplus-page .result-empty { max-width: 32rem; margin: 0 auto; }\n#pg-surplus-page .result-empty__card {\n  border-radius: 1rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 2rem 2.5rem;\n  text-align: center; box-shadow: var(--shadow-sm);\n}\n#pg-surplus-page .result-empty__icon {\n  width: 4rem; height: 4rem; border-radius: 50%; background: var(--clr-muted);\n  display: flex; align-items: center; justify-content: center; margin: 0 auto 1.25rem;\n}\n#pg-surplus-page .result-empty__card h3 { font-size: 1.25rem; font-weight: 700; }\n#pg-surplus-page .result-empty__card .sub { margin-top: .5rem; font-size: .875rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .result-empty__reasons {\n  margin-top: 1.5rem; background: var(--clr-secondary);\n  border-radius: .75rem; padding: 1.25rem; text-align: left;\n}\n#pg-surplus-page .result-empty__reasons p { font-size: .875rem; font-weight: 700; margin-bottom: .5rem; }\n#pg-surplus-page .result-empty__reasons li {\n  font-size: .875rem; color: var(--clr-muted-fg); list-style: none;\n  display: flex; gap: .5rem; padding: .25rem 0;\n}\n#pg-surplus-page .result-empty__reasons li .num { color: var(--clr-primary); font-weight: 700; }\n#pg-surplus-page .result-empty__cta {\n  margin-top: 1.5rem; padding-top: 1.25rem;\n  border-top: 1px solid var(--clr-border); text-align: center;\n}\n#pg-surplus-page .result-empty__cta p { font-size: .875rem; color: var(--clr-muted-fg); margin-bottom: .75rem; }\n\n#pg-surplus-page .result-success-banner {\n  border-radius: 1rem; border: 1px solid rgba(34,197,94,.2);\n  background: rgba(34,197,94,.05); padding: 1.5rem 2rem;\n  display: flex; flex-direction: column; align-items: center; text-align: center;\n  gap: 1rem; margin-bottom: 1rem; width: 100%; box-sizing: border-box;\n}\n@media(min-width:640px) {\n  #pg-surplus-page .result-success-banner { flex-direction: row; align-items: flex-start; text-align: left; }\n}\n#pg-surplus-page .result-success-banner__icon {\n  width: 3rem; height: 3rem; border-radius: 50%;\n  background: rgba(34,197,94,.2);\n  display: flex; align-items: center; justify-content: center; flex-shrink: 0;\n}\n#pg-surplus-page .result-success-banner p:first-child { font-size: 1.125rem; font-weight: 700; color: var(--clr-fg); }\n#pg-surplus-page .result-success-banner p:last-child  { margin-top: .25rem; font-size: .875rem; color: var(--clr-muted-fg); }\n\n#pg-surplus-page .results-grid { display: grid; gap: 1rem; width: 100%; }\n@media(min-width:640px)  { #pg-surplus-page .results-grid { grid-template-columns: repeat(2,1fr); } }\n@media(min-width:1024px) { #pg-surplus-page .results-grid { grid-template-columns: repeat(3,1fr); } }\n#pg-surplus-page .results-single-wrap { max-width: 32rem; margin-left: auto; margin-right: auto; width: 100%; }\n\n\/* \u2500\u2500 Result card \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .result-card {\n  position: relative; overflow: hidden; border-radius: .75rem;\n  border: 1px solid var(--clr-border); background: var(--clr-card);\n  padding: 1.25rem; box-shadow: var(--shadow-sm);\n  transition: box-shadow .2s, transform .2s;\n}\n#pg-surplus-page .result-card:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }\n#pg-surplus-page .result-card__expiry-badge {\n  position: absolute; right: 0; top: 0; border-bottom-left-radius: .5rem;\n  background: var(--clr-warning); padding: .25rem .75rem;\n  display: flex; align-items: center; gap: .25rem;\n  font-size: .75rem; font-weight: 700; color: var(--clr-warning-fg);\n}\n#pg-surplus-page .result-card__expiry-badge * { color: var(--clr-warning-fg); }\n#pg-surplus-page .result-card__sbg-label { font-size: .625rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--clr-muted-fg); }\n#pg-surplus-page .result-card__sbg-num   { font-size: 1.125rem; font-weight: 700; color: var(--clr-primary); margin-top: .1rem; }\n#pg-surplus-page .result-card__grid { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin-top: .75rem; }\n#pg-surplus-page .result-card__grid > * { min-width: 0; }\n#pg-surplus-page .result-card__field { display: flex; align-items: flex-start; gap: .5rem; min-width: 0; overflow: hidden; }\n#pg-surplus-page .result-card__field svg { flex-shrink: 0; margin-top: .125rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .result-card__field > div { min-width: 0; overflow: hidden; }\n#pg-surplus-page .result-card__field-label { font-size: .625rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .result-card__field-value { font-size: .875rem; font-weight: 500; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; display: block; color: var(--clr-fg); }\n#pg-surplus-page .result-card__amount {\n  margin-top: 1rem; border-radius: .5rem;\n  background: rgba(34,197,94,.1); padding: .75rem 1rem;\n  display: flex; align-items: center; justify-content: space-between;\n}\n#pg-surplus-page .result-card__amount-label { font-size: .75rem; font-weight: 600; color: var(--clr-muted-fg); }\n#pg-surplus-page .result-card__amount-value { font-size: 1.125rem; font-weight: 800; color: var(--clr-success); }\n#pg-surplus-page .result-card__expiry-warn {\n  margin-top: .75rem; display: inline-flex; align-items: center; gap: .375rem;\n  border: 1px solid var(--clr-warning); border-radius: .375rem;\n  padding: .25rem .625rem; font-size: .75rem; color: var(--clr-warning);\n}\n#pg-surplus-page .result-card__note { margin-top: 1rem; font-size: .75rem; color: var(--clr-muted-fg); text-align: center; }\n#pg-surplus-page .result-card__note span { font-weight: 600; color: var(--clr-fg); }\n#pg-surplus-page .result-card__wa-btn { margin-top: .75rem; }\n\n\/* \u2500\u2500 How to claim \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .howto { padding: 5rem 2rem; }\n#pg-surplus-page .section-header { text-align: center; margin-bottom: 3rem; }\n#pg-surplus-page .section-header h2 { font-size: clamp(1.375rem,4vw,1.875rem); font-weight: 800; color: var(--clr-fg); }\n#pg-surplus-page .section-header p  { margin-top: .5rem; font-size: .9375rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .howto__grid { display: grid; gap: 1.5rem; }\n@media(min-width:768px) { #pg-surplus-page .howto__grid { grid-template-columns: repeat(3,1fr); } }\n#pg-surplus-page .howto__card {\n  position: relative; border-radius: 1rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 2rem; text-align: center;\n  box-shadow: var(--shadow-sm); transition: box-shadow .2s, transform .2s;\n}\n#pg-surplus-page .howto__card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }\n#pg-surplus-page .howto__step-badge {\n  position: absolute; top: -1rem; left: 50%; transform: translateX(-50%);\n  background: var(--clr-primary); color: #fff;\n  border-radius: 9999px; padding: .375rem 1rem; font-size: .75rem; font-weight: 700;\n  white-space: nowrap;\n}\n#pg-surplus-page .howto__icon {\n  width: 3.5rem; height: 3.5rem; border-radius: .75rem;\n  background: hsla(215,98%,32%,.1);\n  display: flex; align-items: center; justify-content: center;\n  margin: .5rem auto 1.25rem; color: var(--clr-primary);\n}\n#pg-surplus-page .howto__card h3 { font-size: 1.125rem; font-weight: 700; margin-bottom: .5rem; color: var(--clr-fg); }\n#pg-surplus-page .howto__card p  { font-size: .875rem; line-height: 1.6; color: var(--clr-muted-fg); }\n#pg-surplus-page .howto__note { margin-top: 2rem; text-align: center; font-size: .75rem; color: var(--clr-muted-fg); }\n\n\/* \u2500\u2500 Calculator \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .calc-section { padding: 5rem 2rem; background: var(--clr-secondary); }\n#pg-surplus-page .calc-formula {\n  border-radius: 1rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 1.25rem 2rem;\n  box-shadow: var(--shadow-sm); margin-bottom: 2.5rem;\n}\n#pg-surplus-page .calc-formula__label {\n  text-align: center; font-size: .6875rem; font-weight: 700;\n  text-transform: uppercase; letter-spacing: .1em; color: var(--clr-muted-fg);\n  margin-bottom: 1.5rem;\n}\n#pg-surplus-page .calc-formula__row { display: flex; flex-direction: column; align-items: center; gap: .75rem; }\n@media(min-width:600px) { #pg-surplus-page .calc-formula__row { flex-direction: row; justify-content: center; } }\n#pg-surplus-page .calc-pill { border-radius: .75rem; padding: .75rem 1rem; text-align: center; box-shadow: var(--shadow-sm); min-width: 9rem; }\n#pg-surplus-page .calc-pill--primary { background: hsla(215,98%,32%,.1); }\n#pg-surplus-page .calc-pill--red     { background: hsla(0,72%,51%,.1); }\n#pg-surplus-page .calc-pill--green   { background: var(--clr-success); }\n#pg-surplus-page .calc-pill__title   { font-size: .75rem; font-weight: 700; }\n#pg-surplus-page .calc-pill--primary .calc-pill__title { color: var(--clr-primary); }\n#pg-surplus-page .calc-pill--red     .calc-pill__title { color: var(--clr-destructive); }\n#pg-surplus-page .calc-pill--green   .calc-pill__title { color: #fff; }\n#pg-surplus-page .calc-pill__sub     { font-size: .625rem; color: var(--clr-muted-fg); margin-top: .1rem; }\n#pg-surplus-page .calc-pill--green   .calc-pill__sub   { color: rgba(255,255,255,.7); }\n#pg-surplus-page .calc-op { font-size: 1.25rem; color: var(--clr-muted-fg); font-weight: 700; flex-shrink: 0; }\n\n#pg-surplus-page .info-note {\n  border-radius: .75rem; border: 1px solid hsla(215,98%,32%,.1);\n  background: hsla(215,98%,32%,.05); padding: 1rem; display: flex;\n  align-items: flex-start; gap: .75rem; margin-bottom: 1rem;\n  font-size: .8125rem; color: var(--clr-muted-fg); line-height: 1.6;\n}\n#pg-surplus-page .info-note svg { flex-shrink: 0; margin-top: .125rem; color: var(--clr-primary); }\n#pg-surplus-page .info-note strong { color: var(--clr-fg); }\n#pg-surplus-page .info-note ul { list-style: disc; padding-left: 1rem; margin-top: .5rem; }\n#pg-surplus-page .info-note li { padding: .1rem 0; }\n\n#pg-surplus-page .calc-interactive {\n  border-radius: 1rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 1.25rem; box-shadow: var(--shadow-sm);\n}\n@media(min-width:640px) { #pg-surplus-page .calc-interactive { padding: 2rem; } }\n#pg-surplus-page .calc-interactive__head { text-align: center; margin-bottom: 1.5rem; }\n#pg-surplus-page .calc-interactive__head p:first-child { font-size: .8125rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--clr-muted-fg); margin-bottom: .25rem; }\n#pg-surplus-page .calc-interactive__head p:last-child  { font-size: .875rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .calc-presets { display: flex; flex-wrap: wrap; justify-content: center; gap: .75rem; margin-bottom: 2rem; }\n#pg-surplus-page .calc-inputs { display: grid; gap: 1.5rem; margin-bottom: 2rem; }\n@media(min-width:640px) { #pg-surplus-page .calc-inputs { grid-template-columns: 1fr 1fr; } }\n#pg-surplus-page .calc-inputs label { font-size: .9375rem; font-weight: 600; display: block; margin-bottom: .375rem; color: var(--clr-fg); }\n#pg-surplus-page .calc-inputs .hint { font-size: .6875rem; color: var(--clr-muted-fg); margin-top: .375rem; }\n#pg-surplus-page .calc-inputs .input-wrap { position: relative; }\n#pg-surplus-page .calc-inputs .input-wrap span { position: absolute; left: .75rem; top: 50%; transform: translateY(-50%); font-size: .9375rem; color: var(--clr-muted-fg); }\n\n#pg-surplus-page .calc-table { border-radius: .75rem; border: 1px solid var(--clr-border); overflow: hidden; margin-bottom: 1.5rem; }\n#pg-surplus-page .calc-table table { width: 100%; border-collapse: collapse; font-size: .875rem; }\n#pg-surplus-page .calc-table thead { background: var(--clr-secondary); }\n#pg-surplus-page .calc-table th { padding: .625rem 1rem; text-align: left; font-size: .8125rem; font-weight: 600; color: var(--clr-muted-fg); }\n#pg-surplus-page .calc-table th:last-child { text-align: right; }\n#pg-surplus-page .calc-table td { padding: .75rem 1rem; border-top: 1px solid var(--clr-border); color: var(--clr-fg); }\n#pg-surplus-page .calc-table td:last-child { text-align: right; }\n#pg-surplus-page .calc-table .td-label { font-weight: 500; }\n#pg-surplus-page .calc-table .td-detail { font-size: .75rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .calc-table .td-primary    { font-weight: 700; color: var(--clr-primary); }\n#pg-surplus-page .calc-table .td-destructive { font-weight: 700; color: var(--clr-destructive); }\n\/* Responsive table on mobile \u2014 all 3 columns stay, Jumlah shrinks to fit *\/\n@media(max-width:540px) {\n  #pg-surplus-page .calc-table table { font-size: .75rem; }\n  #pg-surplus-page .calc-table th,\n  #pg-surplus-page .calc-table td { padding: .5rem .5rem; }\n  \/* Jumlah column: shrink to its content width, no wrapping *\/\n  #pg-surplus-page .calc-table th:last-child,\n  #pg-surplus-page .calc-table td:last-child { white-space: nowrap; width: 1%; }\n}\n\n#pg-surplus-page .calc-line {\n  background: var(--clr-secondary); border-radius: .75rem;\n  padding: 1rem; text-align: center; margin-bottom: 1rem;\n}\n#pg-surplus-page .calc-line .hint { font-size: .8125rem; color: var(--clr-muted-fg); margin-bottom: .25rem; }\n#pg-surplus-page .calc-line .expr { font-size: 1.0625rem; font-weight: 600; color: var(--clr-fg); }\n#pg-surplus-page .calc-line .surplus    { color: var(--clr-success); font-weight: 800; }\n#pg-surplus-page .calc-line .no-surplus { color: var(--clr-destructive); font-weight: 800; }\n\n#pg-surplus-page .calc-result-yes {\n  border-radius: .75rem; background: var(--clr-success);\n  padding: 1.25rem; display: flex; align-items: center;\n  justify-content: space-between; gap: 1rem;\n}\n#pg-surplus-page .calc-result-yes .label  { display: flex; align-items: center; gap: .75rem; font-size: .875rem; font-weight: 700; color: #fff; }\n#pg-surplus-page .calc-result-yes .label svg { color: #fff; }\n#pg-surplus-page .calc-result-yes .amount { font-size: clamp(1.25rem,4vw,1.875rem); font-weight: 800; color: #fff; }\n\n#pg-surplus-page .calc-result-no {\n  border-radius: .75rem; background: var(--clr-muted);\n  border: 1px solid var(--clr-border); padding: 1.25rem;\n}\n#pg-surplus-page .calc-result-no .top { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }\n#pg-surplus-page .calc-result-no .top .label { display: flex; align-items: center; gap: .75rem; font-size: .875rem; font-weight: 700; color: var(--clr-fg); }\n#pg-surplus-page .calc-result-no .top .amount { font-size: clamp(1.25rem,4vw,1.875rem); font-weight: 800; color: var(--clr-muted-fg); }\n#pg-surplus-page .calc-result-no .note { margin-top: .75rem; padding-top: .75rem; border-top: 1px solid var(--clr-border); font-size: .75rem; color: var(--clr-muted-fg); line-height: 1.6; }\n#pg-surplus-page .calc-disclaimer { margin-top: 1.5rem; text-align: center; font-size: .6875rem; font-style: italic; color: var(--clr-muted-fg); }\n\n\/* \u2500\u2500 Why section \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .why-section { padding: 5rem 2rem; background: var(--clr-bg); }\n#pg-surplus-page .why-grid { display: grid; gap: 1.25rem; }\n@media(min-width:640px)  { #pg-surplus-page .why-grid { grid-template-columns: repeat(2,1fr); } }\n@media(min-width:1024px) { #pg-surplus-page .why-grid { grid-template-columns: repeat(4,1fr); } }\n#pg-surplus-page .why-card {\n  border-radius: 1rem; border: 1px solid hsla(215,98%,32%,.1);\n  background: hsla(215,98%,32%,.05); padding: 1.5rem;\n  box-shadow: var(--shadow-sm); transition: box-shadow .2s;\n}\n#pg-surplus-page .why-card:hover { box-shadow: var(--shadow-md); }\n#pg-surplus-page .why-card__emoji { font-size: 2.5rem; margin-bottom: 1rem; }\n#pg-surplus-page .why-card h3 { font-size: .875rem; font-weight: 700; margin-bottom: .5rem; color: var(--clr-fg); }\n#pg-surplus-page .why-card p  { font-size: .8125rem; color: var(--clr-muted-fg); line-height: 1.6; }\n\n\/* \u2500\u2500 Sample data \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .sample-section { padding: 5rem 2rem; background: hsla(210,20%,96%,.5); }\n#pg-surplus-page .sample-grid { display: grid; gap: 1rem; }\n@media(min-width:640px)  { #pg-surplus-page .sample-grid { grid-template-columns: repeat(2,1fr); } }\n@media(min-width:1024px) { #pg-surplus-page .sample-grid { grid-template-columns: repeat(3,1fr); } }\n#pg-surplus-page .sample-card {\n  border-radius: .75rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 1.25rem; box-shadow: var(--shadow-sm);\n}\n#pg-surplus-page .sample-card__sbg-label { font-size: .625rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--clr-muted-fg); }\n#pg-surplus-page .sample-card__sbg-num   { font-size: 1rem; font-weight: 700; color: var(--clr-primary); margin-top: .1rem; }\n#pg-surplus-page .sample-card__name   { font-size: .875rem; font-weight: 500; margin-top: .75rem; color: var(--clr-fg); }\n#pg-surplus-page .sample-card__branch { font-size: .75rem; color: var(--clr-muted-fg); }\n#pg-surplus-page .sample-card__amount {\n  margin-top: 1rem; border-radius: .5rem;\n  background: hsla(48,100%,51%,.15); padding: .75rem 1rem; text-align: center;\n}\n#pg-surplus-page .sample-card__amount-label { font-size: .625rem; text-transform: uppercase; letter-spacing: .06em; color: var(--clr-muted-fg); }\n#pg-surplus-page .sample-card__amount-value { font-size: 1.125rem; font-weight: 800; color: hsl(48,100%,40%); }\n#pg-surplus-page .sample-cta { margin-top: 2.5rem; text-align: center; }\n\n\/* \u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .faq-section { padding: 5rem 2rem; background: var(--clr-bg); }\n#pg-surplus-page .faq-list { display: flex; flex-direction: column; gap: .75rem; }\n#pg-surplus-page .faq-item {\n  border-radius: .75rem; border: 1px solid var(--clr-border);\n  background: var(--clr-card); padding: 0 1.5rem;\n  box-shadow: var(--shadow-sm); overflow: hidden;\n}\n#pg-surplus-page .faq-item__trigger {\n  width: 100%; display: flex; align-items: center; justify-content: space-between;\n  gap: 1rem; background: none; border: none; text-align: left;\n  padding: 1.125rem 0; font-size: .9375rem; font-weight: 600; color: var(--clr-fg);\n  cursor: pointer;\n}\n#pg-surplus-page .faq-item__trigger svg { flex-shrink: 0; transition: transform .25s; color: var(--clr-muted-fg); }\n#pg-surplus-page .faq-item.open .faq-item__trigger svg { transform: rotate(180deg); }\n#pg-surplus-page .faq-item__body {\n  display: none; padding-bottom: 1.125rem;\n  font-size: .875rem; color: var(--clr-muted-fg); line-height: 1.7;\n}\n#pg-surplus-page .faq-item.open .faq-item__body { display: block; }\n\n\/* \u2500\u2500 Footer \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page footer {\n  background: var(--clr-footer); color: #fff; margin-top: auto;\n}\n#pg-surplus-page footer h1,\n#pg-surplus-page footer h2,\n#pg-surplus-page footer h3,\n#pg-surplus-page footer h4 { color: #fff; }\n#pg-surplus-page footer p,\n#pg-surplus-page footer span,\n#pg-surplus-page footer li { color: rgba(255,255,255,.85); }\n#pg-surplus-page footer a { color: rgba(255,255,255,.85); }\n#pg-surplus-page footer a:hover { color: var(--clr-accent); }\n#pg-surplus-page .footer__grid {\n  max-width: 72rem; margin: 0 auto; padding: 3.5rem 2rem;\n  display: grid; gap: 2.5rem; grid-template-columns: 1fr;\n}\n@media(min-width:768px) { #pg-surplus-page .footer__grid { grid-template-columns: 5fr 3fr 4fr; } }\n#pg-surplus-page .footer__logo img { height: 3.5rem; width: auto; }\n#pg-surplus-page .footer__license    { margin-top: 1.25rem; font-size: .875rem; color: rgba(255,255,255,.85); }\n#pg-surplus-page .footer__license-id { margin-top: .5rem; font-size: .875rem; font-weight: 700; color: #fff; }\n#pg-surplus-page .footer__nav h3, #pg-surplus-page .footer__contact h3 { font-size: 1rem; font-weight: 700; }\n#pg-surplus-page .footer__nav ul, #pg-surplus-page .footer__contact p  { margin-top: 1rem; }\n#pg-surplus-page .footer__nav li { list-style: none; margin-bottom: .625rem; }\n#pg-surplus-page .footer__contact p { font-size: .875rem; line-height: 1.8; }\n#pg-surplus-page .footer__bottom { border-top: 1px solid rgba(255,255,255,.15); }\n#pg-surplus-page .footer__bottom-inner {\n  max-width: 72rem; margin: 0 auto; padding: 1.25rem 2rem;\n  display: flex; flex-direction: column-reverse; align-items: center;\n  justify-content: space-between; gap: .75rem;\n  font-size: .75rem; color: rgba(255,255,255,.8);\n}\n@media(min-width:640px) { #pg-surplus-page .footer__bottom-inner { flex-direction: row; } }\n#pg-surplus-page .footer__socials { display: flex; align-items: center; gap: .75rem; }\n#pg-surplus-page .footer__social-link {\n  width: 2rem; height: 2rem; border-radius: 50%;\n  background: rgba(255,255,255,.1);\n  display: flex; align-items: center; justify-content: center;\n  transition: background .15s, color .15s;\n}\n#pg-surplus-page .footer__social-link { color: rgba(255,255,255,.85); }\n#pg-surplus-page .footer__social-link:hover { background: var(--clr-accent); color: var(--clr-accent-fg); }\n\n\/* \u2500\u2500 Floating WhatsApp \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .floating-wa {\n  position: fixed; bottom: 1.5rem; right: 1.5rem; z-index: 50;\n  width: 3.5rem; height: 3.5rem; border-radius: 50%;\n  background: var(--clr-success); color: #fff;\n  display: flex; align-items: center; justify-content: center;\n  box-shadow: var(--shadow-md); transition: transform .2s;\n}\n#pg-surplus-page .floating-wa:hover { transform: scale(1.1); }\n\n\/* \u2500\u2500 Utilities \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n#pg-surplus-page .hidden { display: none !important; }\n#pg-surplus-page .fade-in { animation: pgs-fadeInUp .45s ease both; }\n@keyframes pgs-fadeInUp { from { opacity:0; transform:translateY(16px); } to { opacity:1; transform:translateY(0); } }\n#pg-surplus-page .text-center { text-align: center; }\n#pg-surplus-page .mt-4  { margin-top: 1rem; }\n#pg-surplus-page .mb-8  { margin-bottom: 2rem; }\n#pg-surplus-page .mb-4  { margin-bottom: 1rem; }\n#pg-surplus-page .section-note { text-align: center; font-size: .75rem; color: var(--clr-muted-fg); margin-top: .5rem; }\n<\/style>\n\n<div id=\"pg-surplus-page\">\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 NAVBAR \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div id=\"pgNavbar\">\n  <div class=\"navbar__inner\">\n    <a href=\"#\" class=\"navbar__logo\">\n      <img decoding=\"async\" src=\"https:\/\/pandaigadai.com\/blog\/wp-content\/uploads\/2026\/01\/panda.webp\" alt=\"Pandai Gadai\" \/>\n    <\/a>\n    <nav class=\"navbar__nav\">\n      <a href=\"#\">Cek Uang Kelebihan<\/a>\n      <a href=\"https:\/\/pandaigadai.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">pandaigadai.com<\/a>\n      <a href=\"https:\/\/wa.me\/6285715322146?text=Halo%2C%20saya%20ingin%20bertanya%20tentang%20uang%20kelebihan%20nasabah.\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"navbar__cta\">Kontak CS<\/a>\n    <\/nav>\n    <button class=\"navbar__burger\" id=\"navBurger\" aria-label=\"Menu\" type=\"button\">\n      <svg class=\"icon-menu\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\">\n        <line x1=\"4\" y1=\"6\" x2=\"20\" y2=\"6\"\/><line x1=\"4\" y1=\"12\" x2=\"20\" y2=\"12\"\/><line x1=\"4\" y1=\"18\" x2=\"20\" y2=\"18\"\/>\n      <\/svg>\n      <svg class=\"icon-close\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\">\n        <line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/>\n      <\/svg>\n    <\/button>\n  <\/div>\n  <div class=\"navbar__mobile\" id=\"navMobile\">\n    <div class=\"navbar__mobile-inner\">\n      <a href=\"#\">Cek Uang Kelebihan<\/a>\n      <a href=\"https:\/\/pandaigadai.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">pandaigadai.com<\/a>\n      <a href=\"https:\/\/wa.me\/6285715322146?text=Halo%2C%20saya%20ingin%20bertanya%20tentang%20uang%20kelebihan%20nasabah.\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"navbar__cta\">Kontak CS<\/a>\n    <\/div>\n  <\/div>\n<\/div><!-- \/#pgNavbar -->\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 SEARCH RESULTS HEADER \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"result-header hidden\" id=\"resultHeader\">\n  <div class=\"result-header__inner pg-row\">\n    <div class=\"result-header__nav\">\n      <button class=\"result-header__back\" id=\"btnBack\" type=\"button\">\n        <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"15 18 9 12 15 6\"\/><\/svg>\n        Kembali\n      <\/button>\n      <span class=\"result-header__div\">|<\/span>\n      <h2 class=\"result-header__title\">Hasil Pencarian<\/h2>\n    <\/div>\n    <form class=\"result-header__form\" id=\"resultSearchForm\">\n      <div class=\"result-header__input-wrap\">\n        <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><\/svg>\n        <input id=\"resultSearchInput\" class=\"input input--no-border input--pl10\" placeholder=\"Cari nomor SBG...\" style=\"padding-left:2.25rem;background:#fff;\" \/>\n      <\/div>\n      <button type=\"submit\" class=\"btn btn--primary\">Cari<\/button>\n    <\/form>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 RESULTS AREA \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<main class=\"results-area hidden flex-1\" id=\"resultsArea\">\n  <div class=\"pg-row\" id=\"resultsContent\"><\/div>\n<\/main>\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 LANDING SECTIONS \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div id=\"landingSections\">\n\n  <!-- HERO -->\n  <section class=\"hero\" id=\"hero\">\n    <div class=\"hero__highlight\"><\/div>\n    <div class=\"hero__circle1\"><\/div>\n    <div class=\"hero__circle2\"><\/div>\n    <div class=\"hero__inner\">\n      <h1>Uang Kelebihan Anda, Hak Anda<\/h1>\n      <p class=\"hero__sub\">Barang gadai Anda sudah dijual? Cek sekarang apakah ada dana yang harus dikembalikan kepada Anda. Gratis, tanpa daftar, langsung terlihat.<\/p>\n\n      <form class=\"hero__searchbox\" id=\"heroSearchForm\">\n        <div class=\"hero__search-wrap\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><\/svg>\n          <input id=\"heroSearchInput\" class=\"input input--no-border input--h12 input--pl10\" placeholder=\"Ketik nomor SBG Anda...\" style=\"padding-left:2.5rem;\" \/>\n        <\/div>\n        <button type=\"submit\" class=\"btn btn--accent btn--h12\" style=\"padding:0 2rem;\">Cek Sekarang<\/button>\n      <\/form>\n\n      <div class=\"hero__trust\">\n        <span class=\"hero__trust-item\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><polyline points=\"9 12 11 14 15 10\"\/><\/svg>\n          Satu-satunya Gadai Transparan\n        <\/span>\n        <span class=\"hero__trust-item\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg>\n          Klaim 100% Gratis\n        <\/span>\n        <span class=\"hero__trust-item\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><ellipse cx=\"12\" cy=\"5\" rx=\"9\" ry=\"3\"\/><path d=\"M21 12c0 1.66-4 3-9 3s-9-1.34-9-3\"\/><path d=\"M3 5v14c0 1.66 4 3 9 3s9-1.34 9-3V5\"\/><\/svg>\n          Data dari Seluruh Cabang\n        <\/span>\n      <\/div>\n\n      <div style=\"display:flex;justify-content:center;margin-top:1.5rem;\">\n        <div class=\"hero__urgency\">\n          <div class=\"hero__urgency-top\">\n            <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 6 12 12 16 14\"\/><\/svg>\n            Batas waktu klaim: 12 bulan sejak barang terjual.\n          <\/div>\n          <span class=\"hero__urgency-sub\">Setelah itu, dana disalurkan untuk kepedulian sosial.<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"hero__wave\">\n      <svg viewBox=\"0 0 1440 60\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" preserveAspectRatio=\"none\">\n        <path d=\"M0,40 C360,65 720,10 1080,40 C1260,55 1380,50 1440,45 L1440,60 L0,60 Z\" fill=\"hsl(0,0%,100%)\" \/>\n      <\/svg>\n    <\/div>\n  <\/section>\n\n  <!-- HOW TO CLAIM -->\n  <section class=\"howto\">\n    <div class=\"container\">\n      <div class=\"section-header\">\n        <h2>Klaim Dana Anda dalam 3 Langkah<\/h2>\n        <p>Prosesnya simpel. Tidak ada biaya. Tidak ada syarat tersembunyi.<\/p>\n      <\/div>\n      <div class=\"howto__grid\">\n        <div class=\"howto__card\">\n          <div class=\"howto__step-badge\">Langkah 01<\/div>\n          <div class=\"howto__icon\">\n            <svg width=\"28\" height=\"28\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><\/svg>\n          <\/div>\n          <h3>Cek No. SBG<\/h3>\n          <p>Ketik nomor SBG di kolom pencarian di atas. Hasil muncul dalam hitungan detik. Anda langsung tahu apakah ada uang kelebihan dan berapa jumlahnya.<\/p>\n        <\/div>\n        <div class=\"howto__card\">\n          <div class=\"howto__step-badge\">Langkah 02<\/div>\n          <div class=\"howto__icon\">\n            <svg width=\"28\" height=\"28\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"\/><polyline points=\"9 22 9 12 15 12 15 22\"\/><\/svg>\n          <\/div>\n          <h3>Bawa KTP &amp; SBG ke Cabang<\/h3>\n          <p>Wajib datang ke cabang Pandai Gadai tempat Anda menggadaikan barang. Bawa KTP asli dan SBG (Surat Bukti Gadai) asli untuk proses verifikasi.<\/p>\n        <\/div>\n        <div class=\"howto__card\">\n          <div class=\"howto__step-badge\">Langkah 03<\/div>\n          <div class=\"howto__icon\">\n            <svg width=\"28\" height=\"28\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg>\n          <\/div>\n          <h3>Verifikasi &amp; Terima Dana<\/h3>\n          <p>Petugas memverifikasi identitas Anda. Jika semua cocok, dana bisa langsung diterima di tempat atau ditransfer ke rekening bank Anda.<\/p>\n        <\/div>\n      <\/div>\n      <p class=\"howto__note\">Tidak punya SBG? Hubungi cabang Pandai Gadai terdekat untuk bantuan.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- CALCULATOR -->\n  <section class=\"calc-section\" id=\"calculator\">\n    <div class=\"container--md\">\n      <div class=\"section-header\">\n        <h2>Bagaimana Uang Kelebihan Dihitung?<\/h2>\n        <p style=\"max-width:40rem;margin-left:auto;margin-right:auto;\">Uang kelebihan sepenuhnya bergantung pada harga laku barang saat dijual atau dilelang. Jika harga laku melebihi total kewajiban Anda ditambah biaya penjualan, selisihnya adalah hak Anda.<\/p>\n      <\/div>\n\n      <div class=\"calc-formula\">\n        <p class=\"calc-formula__label\">Rumus Perhitungan<\/p>\n        <div class=\"calc-formula__row\">\n          <div class=\"calc-pill calc-pill--primary\">\n            <p class=\"calc-pill__title\">Harga Laku<\/p>\n            <p class=\"calc-pill__sub\">Hasil Jual Barang<\/p>\n          <\/div>\n          <span class=\"calc-op\">\u2212<\/span>\n          <div class=\"calc-pill calc-pill--red\">\n            <p class=\"calc-pill__title\">Sisa Nilai Pinjaman<\/p>\n            <p class=\"calc-pill__sub\">Termasuk Biaya Jasa &amp; Denda<\/p>\n          <\/div>\n          <span class=\"calc-op\">\u2212<\/span>\n          <div class=\"calc-pill calc-pill--red\">\n            <p class=\"calc-pill__title\">Biaya Penjualan<\/p>\n            <p class=\"calc-pill__sub\">30% dari Sisa Nilai Pinjaman<\/p>\n          <\/div>\n          <span class=\"calc-op\">=<\/span>\n          <div class=\"calc-pill calc-pill--green\">\n            <p class=\"calc-pill__title\">Uang Kelebihan<\/p>\n            <p class=\"calc-pill__sub\">Hak Anda<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"info-note\">\n        <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n        <p><strong>Sisa Nilai Pinjaman<\/strong> sudah mencakup: Pokok Pinjaman, Biaya Jasa (Sewa Modal), Biaya Keterlambatan (jika ada).<\/p>\n      <\/div>\n      <div class=\"info-note\">\n        <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n        <div>\n          <p><strong>Biaya Penjualan atau Pelelangan<\/strong> mencakup seluruh biaya atas jasa penjualan atau pelelangan, termasuk:<\/p>\n          <ul>\n            <li>Biaya modal untuk pengelolaan dana gadai<\/li>\n            <li>Biaya pemberitahuan kepada nasabah<\/li>\n            <li>Biaya pengiriman dokumen<\/li>\n            <li>Biaya penyimpanan dan pemeliharaan barang<\/li>\n            <li>Biaya pengelolaan dan penaksiran barang<\/li>\n            <li>Seluruh proses penjualan hingga barang berhasil dijual ke pembeli<\/li>\n          <\/ul>\n        <\/div>\n      <\/div>\n\n      <div class=\"calc-interactive\">\n        <div class=\"calc-interactive__head\">\n          <p>Simulasi Interaktif<\/p>\n          <p>Masukkan angka atau gunakan contoh di bawah<\/p>\n        <\/div>\n        <div class=\"calc-presets\">\n          <button type=\"button\" class=\"btn btn--outline btn--sm\" onclick=\"setPreset(1750000,3000000)\">\u2705 Contoh: Ada Uang Kelebihan<\/button>\n          <button type=\"button\" class=\"btn btn--outline btn--sm\" onclick=\"setPreset(1750000,2000000)\">\u274c Contoh: Tidak Ada Kelebihan<\/button>\n        <\/div>\n        <div class=\"calc-inputs\">\n          <div>\n            <label for=\"inputSNP\">Sisa Nilai Pinjaman<\/label>\n            <div class=\"input-wrap\">\n              <span>Rp<\/span>\n              <input id=\"inputSNP\" class=\"input input--right\" style=\"padding-left:2.25rem;font-size:1.0625rem;height:3rem;\" value=\"1.750.000\" \/>\n            <\/div>\n            <p class=\"hint\">Lihat di SBG Anda atau tanyakan ke cabang.<\/p>\n          <\/div>\n          <div>\n            <label for=\"inputHL\">Harga Laku Barang<\/label>\n            <div class=\"input-wrap\">\n              <span>Rp<\/span>\n              <input id=\"inputHL\" class=\"input input--right\" style=\"padding-left:2.25rem;font-size:1.0625rem;height:3rem;\" value=\"3.000.000\" \/>\n            <\/div>\n            <p class=\"hint\">Harga jual barang saat lelang\/penjualan.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"calc-table\">\n          <table>\n            <thead>\n              <tr><th>Item<\/th><th>Detail<\/th><th>Jumlah<\/th><\/tr>\n            <\/thead>\n            <tbody>\n              <tr>\n                <td class=\"td-label\">Harga Laku Barang<\/td>\n                <td class=\"td-detail\">Harga jual saat lelang<\/td>\n                <td class=\"td-primary\" id=\"tHL\"><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"td-label\">Sisa Nilai Pinjaman<\/td>\n                <td class=\"td-detail\">Termasuk Biaya Jasa &amp; Denda<\/td>\n                <td class=\"td-destructive\" id=\"tSNP\"><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"td-label\">Biaya Penjualan<\/td>\n                <td class=\"td-detail\">30% \u00d7 Sisa Nilai Pinjaman<\/td>\n                <td class=\"td-destructive\" id=\"tBP\"><\/td>\n              <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n        <div class=\"calc-line\">\n          <p class=\"hint\">Perhitungan<\/p>\n          <p class=\"expr\" id=\"calcExpr\"><\/p>\n        <\/div>\n\n        <div id=\"calcResult\"><\/div>\n        <p class=\"calc-disclaimer\">Simulasi ini bersifat ilustratif. Angka Sisa Nilai Pinjaman dan Harga Laku yang sebenarnya dapat dilihat di SBG Anda atau ditanyakan ke cabang.<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- WHY WE RETURN -->\n  <section class=\"why-section\">\n    <div class=\"container\">\n      <div class=\"section-header\">\n        <h2>Karena Uang Kelebihan Itu Bukan Milik Kami<\/h2>\n        <p style=\"max-width:40rem;margin-left:auto;margin-right:auto;\">Ketika barang gadai dijual, sebagian hasilnya memang untuk menutup pinjaman dan biaya. Tapi sisanya? Itu milik Anda. Pandai Gadai tidak hanya menghitung uang kelebihan, kami aktif mencari nasabah untuk mengembalikannya. Karena mengembalikan yang bukan hak kami, itu bukan layanan tambahan. Itu kewajiban.<\/p>\n      <\/div>\n      <div class=\"why-grid\">\n        <div class=\"why-card\">\n          <div class=\"why-card__emoji\">\ud83d\udd14<\/div>\n          <h3>Pemberitahuan Proaktif<\/h3>\n          <p>Kami tidak menunggu Anda datang. Kami memberitahu lewat pengumuman di cabang dan media lainnya begitu uang kelebihan Anda tersedia.<\/p>\n        <\/div>\n        <div class=\"why-card\">\n          <div class=\"why-card__emoji\">\ud83d\udd04<\/div>\n          <h3>Data Langsung dari Cabang<\/h3>\n          <p>Semua data disinkronkan dari cabang penerbit SBG Anda. Bukan estimasi, ini angka aktual.<\/p>\n        <\/div>\n        <div class=\"why-card\">\n          <div class=\"why-card__emoji\">\ud83d\udee1\ufe0f<\/div>\n          <h3>Privasi Terjaga<\/h3>\n          <p>Data Anda disensor di halaman ini. Hanya pemilik SBG dengan KTP yang cocok yang bisa mengklaim.<\/p>\n        <\/div>\n        <div class=\"why-card\">\n          <div class=\"why-card__emoji\">\u26a1<\/div>\n          <h3>Dana Cair Cepat<\/h3>\n          <p>Verifikasi di cabang, terima di tempat. Atau transfer otomatis ke rekening Anda setelah konfirmasi.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- SAMPLE DATA -->\n  <section class=\"sample-section\">\n    <div class=\"container\">\n      <div class=\"section-header\">\n        <h2>Apakah Anda Salah Satunya?<\/h2>\n        <p>Berikut sebagian nasabah yang memiliki uang kelebihan menunggu diklaim.<\/p>\n      <\/div>\n      <p class=\"section-note\" style=\"margin-top:-.5rem;margin-bottom:2.5rem;\">Nama dan nomor SBG disensor untuk privasi. Hanya pemilik yang bisa melihat detail lengkap setelah verifikasi.<\/p>\n      <div class=\"sample-grid\">\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****2180<\/p>\n          <p class=\"sample-card__name\">Nama: H**** S****<\/p>\n          <p class=\"sample-card__branch\">Cabang Serdang<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 3.443.995<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****4755<\/p>\n          <p class=\"sample-card__name\">Nama: W**** R****<\/p>\n          <p class=\"sample-card__branch\">Cabang Warakas<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 3.301.000<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****5269<\/p>\n          <p class=\"sample-card__name\">Nama: J**** P****<\/p>\n          <p class=\"sample-card__branch\">Cabang Menteng Wadas<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 2.261.000<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****3288<\/p>\n          <p class=\"sample-card__name\">Nama: A**** M****<\/p>\n          <p class=\"sample-card__branch\">Cabang Mustika Jaya<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 2.207.500<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****8279<\/p>\n          <p class=\"sample-card__name\">Nama: A**** H****<\/p>\n          <p class=\"sample-card__branch\">Cabang Pinang Ranti<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 2.133.000<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"sample-card\">\n          <p class=\"sample-card__sbg-label\">No. SBG<\/p>\n          <p class=\"sample-card__sbg-num\">****4874<\/p>\n          <p class=\"sample-card__name\">Nama: D**** S****<\/p>\n          <p class=\"sample-card__branch\">Cabang Jembatan Besi<\/p>\n          <div class=\"sample-card__amount\">\n            <p class=\"sample-card__amount-label\">Uang Kelebihan<\/p>\n            <p class=\"sample-card__amount-value\">Rp 1.862.000<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"sample-cta\">\n        <button type=\"button\" class=\"btn btn--accent btn--lg\" onclick=\"document.getElementById('hero').scrollIntoView({behavior:'smooth'})\">Cek Nomor SBG Anda<\/button>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- FAQ -->\n  <section class=\"faq-section\">\n    <div class=\"container--sm\">\n      <div class=\"section-header\">\n        <h2>Pertanyaan yang Sering Diajukan<\/h2>\n        <p>Semua yang perlu Anda ketahui tentang uang kelebihan<\/p>\n      <\/div>\n      <div class=\"faq-list\">\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Apa itu uang kelebihan?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Uang kelebihan adalah selisih lebih dari hasil penjualan barang gadai yang sudah melewati jatuh tempo, setelah dikurangi seluruh kewajiban Anda (pinjaman pokok, biaya jasa, biaya keterlambatan) dan biaya lelang\/penjualan. Jika masih ada sisa, itu adalah hak Anda sepenuhnya.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Bagaimana perhitungan uang kelebihan?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Rumusnya: Harga Laku Barang dikurangi Sisa Kewajiban dikurangi Biaya Lelang (30% dari Sisa Kewajiban). Sisa Kewajiban mencakup pinjaman pokok, biaya jasa, dan biaya keterlambatan (jika ada). Lihat simulasi interaktif di atas untuk menghitung sendiri.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Berapa lama saya punya waktu untuk klaim?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Anda memiliki waktu 12 bulan sejak tanggal pemberitahuan. Setelah melewati batas waktu tersebut, dana yang tidak diklaim akan disalurkan untuk kepedulian sosial sesuai ketentuan yang berlaku. Segera cek dan klaim hak Anda.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Apa yang perlu saya bawa ke cabang?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Bawa KTP asli dan SBG (Surat Bukti Gadai) asli. Keduanya wajib untuk proses verifikasi identitas.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Bagaimana cara menerima dana?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Ada dua cara: (1) Langsung di cabang setelah verifikasi, atau (2) Transfer otomatis ke rekening bank Anda setelah Anda mengonfirmasi. Jika tidak memiliki rekening bank, dana harus diambil langsung di cabang.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Di mana saya bisa menemukan nomor SBG?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Nomor SBG tertera di Surat Bukti Gadai yang Anda terima saat menggadaikan barang. Jika SBG hilang, hubungi cabang Pandai Gadai tempat Anda menggadaikan barang.<\/div>\n        <\/div>\n        <div class=\"faq-item\">\n          <button class=\"faq-item__trigger\" type=\"button\">\n            Apakah ada biaya untuk mengeklaim?\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>\n          <\/button>\n          <div class=\"faq-item__body\">Tidak. Klaim uang kelebihan 100% gratis. Tidak ada potongan, tidak ada biaya administrasi.<\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n<\/div><!-- \/landingSections -->\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 FOOTER \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<footer>\n  <div class=\"footer__grid\">\n    <div class=\"footer__brand\">\n      <img decoding=\"async\" src=\"https:\/\/pandaigadai.com\/blog\/wp-content\/uploads\/2026\/01\/panda.webp\" alt=\"Pandai Gadai\" style=\"height:3.5rem;width:auto;\" \/>\n      <p class=\"footer__license\">Berizin dan Diawasi Otoritas Jasa Keuangan<\/p>\n      <p class=\"footer__license-id\">Nomor Izin: KEP-180\/PL.02\/2023<\/p>\n    <\/div>\n    <div class=\"footer__nav\">\n      <h3>Navigasi<\/h3>\n      <ul>\n        <li><a href=\"#\">Cek Uang Kelebihan<\/a><\/li>\n        <li><a 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\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<a href=\"https:\/\/wa.me\/6285715322146?text=Halo%2C%20saya%20ingin%20bertanya%20tentang%20uang%20kelebihan%20nasabah.\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"floating-wa\" title=\"Chat dengan CS kami\">\n  <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\">\n    <path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/>\n  <\/svg>\n<\/a>\n\n<\/div><!-- \/#pg-surplus-page -->\n\n<script>\n(function() {\n  'use strict';\n\n  \/* \u2500\u2500 Helpers \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  const $ = id => document.getElementById(id);\n  const fmt = n => new Intl.NumberFormat('id-ID',{style:'currency',currency:'IDR',minimumFractionDigits:0,maximumFractionDigits:0}).format(n);\n\n  function parseRaw(v) { return parseInt(String(v).replace(\/\\D\/g,'')) || 0; }\n  function fmtInput(n) { return n.toLocaleString('id-ID'); }\n\n  function parseDate(s) {\n    if(!s) return null;\n    let d = parse('dd\/MM\/yyyy', s) || parse('dd-MM-yyyy', s) || new Date(s);\n    return isNaN(d) ? null : d;\n  }\n  function parse(fmt, s) {\n    if(fmt === 'dd\/MM\/yyyy') {\n      const p = s.split('\/');\n      if(p.length === 3) { const d = new Date(+p[2], +p[1]-1, +p[0]); return isNaN(d)?null:d; }\n    }\n    if(fmt === 'dd-MM-yyyy') {\n      const p = s.split('-');\n      if(p.length === 3) { const d = new Date(+p[2], +p[1]-1, +p[0]); return isNaN(d)?null:d; }\n    }\n    return null;\n  }\n  function today() { const d=new Date(); d.setHours(0,0,0,0); return d; }\n  function isExpired(s)     { const d=parseDate(s); return d ? d < today() : false; }\n  function isExpiringSoon(s){ const d=parseDate(s); if(!d) return false; const diff=(d-today())\/(864e5); return diff>=0 && diff<=7; }\n\n  \/* \u2500\u2500 Footer year \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  $('footerYear').textContent = new Date().getFullYear();\n\n  \/* \u2500\u2500 Mobile nav \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  \/* Inline SVGs with stroke=\"currentColor\" \u2014 color controlled by           *\/\n  \/* #pg-surplus-page .navbar__burger { color: hsl(215,25%,15%) }           *\/\n  \/* ID+class specificity (0,1,1,0) beats WP theme class rules (0,0,x,x).  *\/\n  (function initBurger(attempt) {\n    var burger = document.getElementById('navBurger');\n    var mobile = document.getElementById('navMobile');\n    if (!burger || !mobile) {\n      if (attempt < 10) setTimeout(function(){ initBurger(attempt + 1); }, 200);\n      return;\n    }\n    burger.addEventListener('click', function(e) {\n      e.stopPropagation();\n      burger.classList.toggle('active');\n      mobile.classList.toggle('open');\n    });\n  })(0);\n\n  \/* \u2500\u2500 View state \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  let allData = null;\n  let activeQuery = '';\n\n  function showLanding() {\n    $('landingSections').classList.remove('hidden');\n    $('resultHeader').classList.add('hidden');\n    $('resultsArea').classList.add('hidden');\n    activeQuery = '';\n    $('heroSearchInput').value = '';\n    $('resultSearchInput').value = '';\n  }\n\n 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fetching \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  const SHEET_URL = 'https:\/\/docs.google.com\/spreadsheets\/d\/1ckhqHb3Xd2jtbfzm_ItpS5tQK7GpfleMvKXcu48MDqg\/gviz\/tq?tqx=out:csv';\n  let fetchPromise = null;\n\n  function loadData() {\n    if(allData) return Promise.resolve(allData);\n    if(fetchPromise) return fetchPromise;\n    fetchPromise = fetch(SHEET_URL)\n      .then(r => { if(!r.ok) throw new Error('Gagal'); return r.text(); })\n      .then(text => {\n        const parsed = Papa.parse(text, {skipEmptyLines:true});\n        const rows = parsed.data.slice(1);\n        const todayDate = today();\n        allData = rows\n          .filter(r => r.length >= 7 && r[1]?.trim())\n          .map(r => ({\n            no: r[0]?.trim()||'',\n            noSbg: r[1]?.trim()||'',\n            cabang: r[2]?.trim()||'',\n            pandaiId: r[3]?.trim()||'',\n            nama: r[4]?.trim()||'',\n            uangKelebihan: parseFloat(r[5]?.replace(\/[^0-9.-]\/g,'')||'0'),\n            tanggalKadaluwarsa: r[6]?.trim()||'',\n          }))\n          .filter(d => { const exp=parseDate(d.tanggalKadaluwarsa); return exp && exp >= todayDate; })\n          .sort((a,b) => { const da=parseDate(a.tanggalKadaluwarsa), db=parseDate(b.tanggalKadaluwarsa); return da-db; });\n        return allData;\n      });\n    return fetchPromise;\n  }\n\n  \/* \u2500\u2500 Render results \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  function renderResults() {\n    const container = $('resultsContent');\n    container.innerHTML = renderLoading();\n    loadData().then(data => {\n      const q = activeQuery.toLowerCase();\n      const found = data.filter(d => d.noSbg.toLowerCase().includes(q));\n      container.innerHTML = found.length > 0 ? renderFound(found) : renderEmpty();\n    }).catch(() => {\n      container.innerHTML = renderError();\n    });\n  }\n\n  function renderLoading() {\n    return '<div class=\"result-skeleton\">'\n      + Array.from({length:3}).map(() => '<div class=\"skeleton-card\"><\/div>').join('')\n      + '<\/div>';\n  }\n  function renderError() {\n    return '<div class=\"result-error\"><p>Gagal mengambil data<\/p><p>Silakan coba lagi nanti.<\/p><\/div>';\n  }\n  function renderEmpty() {\n    const sbg = activeQuery;\n    const waUrl = 'https:\/\/wa.me\/6285715322146?text=' + encodeURIComponent('Saya ingin bertanya tentang uang kelebihan untuk SBG nomor ' + sbg);\n    return `<div class=\"result-empty\">\n      <div class=\"result-empty__card\">\n        <div class=\"result-empty__icon\">\n          <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" style=\"color:var(--clr-muted-fg)\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><line x1=\"21\" y1=\"21\" x2=\"16.65\" y2=\"16.65\"\/><line x1=\"11\" y1=\"8\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"14\" x2=\"11.01\" y2=\"14\"\/><\/svg>\n        <\/div>\n        <h3>Tidak Ditemukan Uang Kelebihan<\/h3>\n        <p class=\"sub\">untuk SBG <strong style=\"color:var(--clr-fg)\">${sbg}<\/strong><\/p>\n        <div class=\"result-empty__reasons\">\n          <p>Hal ini bisa terjadi karena:<\/p>\n          <ul style=\"list-style:none;padding:0\">\n            <li><span class=\"num\">1.<\/span> Nomor SBG yang dimasukkan kurang tepat. Coba periksa kembali.<\/li>\n            <li><span class=\"num\">2.<\/span> Harga jual barang tidak melebihi total sisa kewajiban dan biaya lelang, sehingga tidak ada kelebihan.<\/li>\n            <li><span class=\"num\">3.<\/span> Uang kelebihan sudah pernah diklaim atau melewati batas waktu 12 bulan.<\/li>\n          <\/ul>\n        <\/div>\n        <div class=\"result-empty__cta\">\n          <p>Masih ada pertanyaan? Hubungi CS kami:<\/p>\n          <a href=\"${waUrl}\" target=\"_blank\" rel=\"noopener noreferrer\">\n            <button class=\"btn btn--wa\" style=\"margin:0 auto\">\n              <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.625.846 5.059 2.284 7.034L.789 23.492a.5.5 0 00.612.616l4.532-1.474A11.943 11.943 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 22c-2.336 0-4.512-.767-6.262-2.063l-.436-.334-2.692.876.893-2.634-.367-.458A9.953 9.953 0 012 12C2 6.486 6.486 2 12 2s10 4.486 10 10-4.486 10-10 10z\"\/><\/svg>\n              Hubungi CS via WhatsApp\n            <\/button>\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>`;\n  }\n\n  function renderFound(items) {\n    const isSingle = items.length === 1;\n    const bannerHtml = `<div class=\"result-success-banner fade-in\">\n      <div class=\"result-success-banner__icon\">\n        <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" style=\"color:var(--clr-success)\"><path d=\"M20.84 4.61a5.5 5.5 0 0 0-7.78 0L12 5.67l-1.06-1.06a5.5 5.5 0 0 0-7.78 7.78l1.06 1.06L12 21.23l7.78-7.78 1.06-1.06a5.5 5.5 0 0 0 0-7.78z\"\/><\/svg>\n      <\/div>\n      <div>\n        <p>Selamat! Anda memiliki uang kelebihan yang bisa diklaim.<\/p>\n        <p>Segera datang ke cabang dengan membawa KTP asli dan SBG asli sebelum melewati tanggal kadaluwarsa.<\/p>\n      <\/div>\n    <\/div>`;\n\n    if (isSingle) {\n      return `<div class=\"results-single-wrap\">\n        ${bannerHtml}\n        ${renderCard(items[0], 0)}\n      <\/div>`;\n    }\n    return `${bannerHtml}\n    <div class=\"results-grid\">\n      ${items.map((item,i) => renderCard(item,i)).join('')}\n    <\/div>`;\n  }\n\n  function renderCard(d, i) {\n    const expiring = isExpiringSoon(d.tanggalKadaluwarsa);\n    const waText = encodeURIComponent('Saya ingin bertanya tentang uang kelebihan untuk no. SBG: ' + d.noSbg);\n    const waUrl = 'https:\/\/wa.me\/6285715322146?text=' + waText;\n    const expiryBadge = expiring ? `<div class=\"result-card__expiry-badge\">\n      <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M10.29 3.86L1.82 18a2 2 0 0 0 1.71 3h16.94a2 2 0 0 0 1.71-3L13.71 3.86a2 2 0 0 0-3.42 0z\"\/><line x1=\"12\" y1=\"9\" x2=\"12\" y2=\"13\"\/><line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/><\/svg>\n      Segera Kadaluwarsa\n    <\/div>` : '';\n    const expiryWarn = expiring ? `<div class=\"result-card__expiry-warn\">\n      <svg width=\"12\" height=\"12\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M10.29 3.86L1.82 18a2 2 0 0 0 1.71 3h16.94a2 2 0 0 0 1.71-3L13.71 3.86a2 2 0 0 0-3.42 0z\"\/><line x1=\"12\" y1=\"9\" x2=\"12\" y2=\"13\"\/><line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/><\/svg>\n      Segera klaim sebelum ${d.tanggalKadaluwarsa}\n    <\/div>` : '';\n    return `<div class=\"result-card fade-in\" style=\"animation-delay:${i*50}ms\">\n      ${expiryBadge}\n      <p class=\"result-card__sbg-label\">No. SBG<\/p>\n      <p class=\"result-card__sbg-num\">${d.noSbg}<\/p>\n      <div class=\"result-card__grid\">\n        <div class=\"result-card__field\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" style=\"margin-top:2px\"><path d=\"M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2\"\/><circle cx=\"12\" cy=\"7\" r=\"4\"\/><\/svg>\n          <div>\n            <p class=\"result-card__field-label\">Nama<\/p>\n            <p class=\"result-card__field-value\" style=\"white-space:normal;word-break:break-word;\">${d.nama}<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"result-card__field\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M21 10c0 7-9 13-9 13s-9-6-9-13a9 9 0 0 1 18 0z\"\/><circle cx=\"12\" cy=\"10\" r=\"3\"\/><\/svg>\n          <div>\n            <p class=\"result-card__field-label\">Cabang<\/p>\n            <p class=\"result-card__field-value\">${d.cabang}<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"result-card__field\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"1\" y=\"4\" width=\"22\" height=\"16\" rx=\"2\" ry=\"2\"\/><line x1=\"1\" y1=\"10\" x2=\"23\" y2=\"10\"\/><\/svg>\n          <div>\n            <p class=\"result-card__field-label\">Pandai ID<\/p>\n            <p class=\"result-card__field-value\">${d.pandaiId}<\/p>\n          <\/div>\n        <\/div>\n        <div class=\"result-card__field\">\n          <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"\/><line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"\/><line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"\/><\/svg>\n          <div>\n            <p class=\"result-card__field-label\">Kadaluwarsa<\/p>\n            <p class=\"result-card__field-value\">${d.tanggalKadaluwarsa}<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"result-card__amount\">\n        <span class=\"result-card__amount-label\">Uang Kelebihan<\/span>\n        <span class=\"result-card__amount-value\">${fmt(d.uangKelebihan)}<\/span>\n      <\/div>\n      ${expiryWarn}\n      <p class=\"result-card__note\">Untuk klaim, datang ke cabang dengan <span>KTP asli<\/span> dan <span>SBG asli<\/span>.<\/p>\n      <div class=\"result-card__wa-btn\">\n        <a href=\"${waUrl}\" target=\"_blank\" rel=\"noopener noreferrer\">\n          <button class=\"btn btn--wa btn--full\">\n            <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347z\"\/><path d=\"M12 0C5.373 0 0 5.373 0 12c0 2.625.846 5.059 2.284 7.034L.789 23.492a.5.5 0 00.612.616l4.532-1.474A11.943 11.943 0 0012 24c6.627 0 12-5.373 12-12S18.627 0 12 0zm0 22c-2.336 0-4.512-.767-6.262-2.063l-.436-.334-2.692.876.893-2.634-.367-.458A9.953 9.953 0 012 12C2 6.486 6.486 2 12 2s10 4.486 10 10-4.486 10-10 10z\"\/><\/svg>\n            Klaim via WhatsApp\n          <\/button>\n        <\/a>\n      <\/div>\n    <\/div>`;\n  }\n\n  \/* \u2500\u2500 Calculator \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  let snp = 1750000;\n  let hl  = 3000000;\n\n  function updateCalc() {\n    const bp  = snp * 0.3;\n    const uk  = hl - snp - bp;\n    $('tHL').textContent  = fmt(hl);\n    $('tSNP').textContent = fmt(snp);\n    $('tBP').textContent  = fmt(bp);\n    $('calcExpr').innerHTML = `${fmt(hl)} &minus; ${fmt(snp)} &minus; ${fmt(bp)} = <span class=\"${uk>0?'surplus':'no-surplus'}\">${fmt(uk)}<\/span>`;\n    if(uk > 0) {\n      $('calcResult').innerHTML = `<div class=\"calc-result-yes\">\n        <div class=\"label\">\n          <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg>\n          Uang Kelebihan Anda\n        <\/div>\n        <span class=\"amount\">${fmt(uk)}<\/span>\n      <\/div>`;\n    } else {\n      $('calcResult').innerHTML = `<div class=\"calc-result-no\">\n        <div class=\"top\">\n          <div class=\"label\">\n            <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" style=\"color:var(--clr-muted-fg)\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"\/><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"\/><\/svg>\n            Tidak ada uang kelebihan\n          <\/div>\n          <span class=\"amount\">${fmt(uk)}<\/span>\n        <\/div>\n        <p class=\"note\">Tidak ada uang kelebihan pada contoh ini. Jika harga laku tidak mencukupi, selisihnya ditanggung oleh Pandai Gadai \u2014 Anda tidak perlu membayar apapun.<\/p>\n      <\/div>`;\n    }\n  }\n\n  function setPreset(s, h) {\n    snp = s; hl = h;\n    $('inputSNP').value = fmtInput(s);\n    $('inputHL').value  = fmtInput(h);\n    updateCalc();\n  }\n  window.setPreset = setPreset;\n\n  function bindCalcInput(id, setter) {\n    const el = $(id);\n    el.addEventListener('input', function() {\n      const raw = parseRaw(this.value);\n      setter(raw);\n      updateCalc();\n    });\n    el.addEventListener('blur', function() {\n      this.value = fmtInput(parseRaw(this.value));\n    });\n  }\n  bindCalcInput('inputSNP', v => { snp = v; });\n  bindCalcInput('inputHL',  v => { hl  = v; });\n  updateCalc();\n\n  \/* \u2500\u2500 FAQ accordion 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noopener\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cek Uang Kelebihan pandaigadai.com Kontak CS Cek Uang Kelebihan pandaigadai.com Kontak CS Kembali | Hasil Pencarian Cari Uang Kelebihan Anda, 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