{"id":1862,"date":"2026-05-31T17:22:40","date_gmt":"2026-05-31T09:22:40","guid":{"rendered":"https:\/\/ilmure.com\/?page_id=1862"},"modified":"2026-10-26T10:01:28","modified_gmt":"2026-10-26T02:01:28","slug":"ilmure-pakar-perunding-pengurusan-insolvensi","status":"publish","type":"page","link":"https:\/\/ilmure.com\/","title":{"rendered":"ILMURE | Pakar Perunding Pengurusan Insolvensi"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1862\" class=\"elementor elementor-1862\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b271f26 e-con e-atomic-element e-flexbox-base e-d95bfbe \" data-id=\"b271f26\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b271f26\" data-e-type=\"e-flexbox\" data-id=\"b271f26\">\n    \t\t<div class=\"elementor-element elementor-element-fc9c4dc elementor-widget elementor-widget-html\" data-id=\"fc9c4dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n    \/* --- FONTS & VARIABLES --- *\/\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,700;1,400&family=Plus+Jakarta+Sans:wght@300;400;500;600;700&display=swap');\r\n\r\n    :root {\r\n        --obsidian: #050505;\r\n        --charcoal: #111111;\r\n        --charcoal-light: #1a1a1a;\r\n        --gold-primary: #c2a661;\r\n        --gold-light: #e6ce8a;\r\n        --text-muted: #9ca3af;\r\n        --text-bright: #f3f4f6;\r\n        --border-thin: rgba(255, 255, 255, 0.05);\r\n        --transition-slow: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);\r\n    }\r\n\r\n    html, body {\r\n        scroll-behavior: smooth !important;\r\n        overflow-x: clip !important; \r\n    }\r\n\r\n    \/* --- ANIMASI KEYFRAMES --- *\/\r\n    @keyframes fadeInUp {\r\n        0% { opacity: 0; transform: translateY(30px); }\r\n        100% { opacity: 1; transform: translateY(0); }\r\n    }\r\n    @keyframes shimmerLine {\r\n        0% { background-position: -200% 0; }\r\n        100% { background-position: 200% 0; }\r\n    }\r\n    @keyframes buttonShine {\r\n        0% { left: -100%; }\r\n        20% { left: 200%; }\r\n        100% { left: 200%; }\r\n    }\r\n    @keyframes pulseGlow {\r\n        0% { box-shadow: 0 0 0 0 rgba(194, 166, 97, 0.4); }\r\n        70% { box-shadow: 0 0 0 15px rgba(194, 166, 97, 0); }\r\n        100% { box-shadow: 0 0 0 0 rgba(194, 166, 97, 0); }\r\n    }\r\n\r\n    \/* KOTAK WRAPPER UTAMA *\/\r\n    .ilmure-home-wrapper {\r\n        background-color: var(--obsidian);\r\n        color: var(--text-bright);\r\n        font-family: 'Plus Jakarta Sans', sans-serif;\r\n        width: 100%;\r\n        line-height: 1.6;\r\n    }\r\n    .ilmure-home-wrapper * { box-sizing: border-box; }\r\n\r\n    .container-lux {\r\n        width: 90%;\r\n        max-width: 1200px;\r\n        margin: 0 auto;\r\n        padding: 5rem 0;\r\n    }\r\n\r\n    \/* --- GARISAN CAHAYA BERGERAK --- *\/\r\n    .lux-divider {\r\n        height: 1px;\r\n        width: 100%;\r\n        background: linear-gradient(90deg, transparent, rgba(194, 166, 97, 0.1), var(--gold-primary), rgba(194, 166, 97, 0.1), transparent);\r\n        background-size: 200% 100%;\r\n        animation: shimmerLine 6s infinite linear;\r\n    }\r\n\r\n    \/* --- 1. HERO SECTION --- *\/\r\n    .premium-hero {\r\n        position: relative;\r\n        min-height: 90vh;\r\n        display: flex;\r\n        align-items: center;\r\n        background: linear-gradient(to right, var(--obsidian) 40%, rgba(5,5,5,0.7) 100%), \r\n                    url('https:\/\/images.unsplash.com\/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&q=80&w=2000') center\/cover;\r\n        background-attachment: fixed;\r\n    }\r\n\r\n    .hero-content {\r\n        position: relative;\r\n        z-index: 1;\r\n        max-width: 800px;\r\n    }\r\n\r\n    .hero-tag {\r\n        display: inline-block;\r\n        font-size: 0.75rem;\r\n        text-transform: uppercase;\r\n        letter-spacing: 6px;\r\n        color: var(--gold-light);\r\n        margin-bottom: 1.5rem;\r\n        border-bottom: 1px solid var(--gold-primary);\r\n        padding-bottom: 8px;\r\n        font-weight: 600;\r\n        animation: fadeInUp 1s ease forwards;\r\n    }\r\n\r\n    .hero-content h1 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: clamp(2.5rem, 5vw, 4.5rem);\r\n        line-height: 1.15;\r\n        margin: 0 0 1.5rem 0;\r\n        font-weight: 400;\r\n        letter-spacing: -0.5px;\r\n        color: #ffffff;\r\n        animation: fadeInUp 1s ease forwards 0.2s;\r\n    }\r\n\r\n    .hero-content h1 em {\r\n        font-style: italic;\r\n        color: var(--gold-primary);\r\n        font-weight: 600;\r\n    }\r\n\r\n    .hero-content p {\r\n        font-size: 1.15rem;\r\n        color: #d1d5db;\r\n        line-height: 1.8;\r\n        margin-bottom: 3rem;\r\n        max-width: 650px;\r\n        font-weight: 300;\r\n        animation: fadeInUp 1s ease forwards 0.4s;\r\n    }\r\n\r\n    .hero-btn {\r\n        display: inline-flex;\r\n        align-items: center;\r\n        gap: 15px;\r\n        padding: 1.2rem 3rem;\r\n        background: var(--gold-primary);\r\n        color: var(--obsidian);\r\n        font-weight: 700;\r\n        text-transform: uppercase;\r\n        letter-spacing: 2px;\r\n        text-decoration: none;\r\n        transition: var(--transition-slow);\r\n        border: none;\r\n        position: relative;\r\n        overflow: hidden;\r\n        animation: fadeInUp 1s ease forwards 0.6s, pulseGlow 3s infinite 2s;\r\n        border-radius: 2px;\r\n    }\r\n\r\n    .hero-btn::after {\r\n        content: '';\r\n        position: absolute;\r\n        top: 0; left: -100%;\r\n        width: 50%; height: 100%;\r\n        background: linear-gradient(to right, transparent, rgba(255,255,255,0.5), transparent);\r\n        transform: skewX(-20deg);\r\n        animation: buttonShine 4s infinite; \r\n    }\r\n\r\n    .hero-btn:hover {\r\n        background: var(--gold-light);\r\n        transform: translateY(-3px);\r\n        box-shadow: 0 20px 40px rgba(194, 166, 97, 0.3);\r\n        color: var(--obsidian);\r\n    }\r\n\r\n    \/* --- TRUST BANNER --- *\/\r\n    .trust-banner {\r\n        background-color: var(--charcoal);\r\n        padding: 3rem 0;\r\n        border-bottom: 1px solid var(--border-thin);\r\n    }\r\n    .trust-grid {\r\n        display: grid;\r\n        grid-template-columns: repeat(3, 1fr);\r\n        gap: 2rem;\r\n        text-align: center;\r\n    }\r\n    .trust-item h4 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 2.5rem;\r\n        color: var(--gold-primary);\r\n        margin: 0 0 0.5rem 0;\r\n    }\r\n    .trust-item p {\r\n        margin: 0;\r\n        color: var(--text-muted);\r\n        text-transform: uppercase;\r\n        letter-spacing: 2px;\r\n        font-size: 0.8rem;\r\n        font-weight: 500;\r\n    }\r\n\r\n    \/* --- 2. ENDORSEMENT SECTION --- *\/\r\n    .endorsement-lux { \r\n        background-color: var(--obsidian); \r\n        position: relative;\r\n    }\r\n    .endorsement-grid {\r\n        display: grid;\r\n        grid-template-columns: 4fr 6fr;\r\n        align-items: center;\r\n        gap: 5rem;\r\n    }\r\n    .endorse-img-wrapper { position: relative; }\r\n    .endorse-img-wrapper::before {\r\n        content: '';\r\n        position: absolute;\r\n        top: -20px; left: -20px;\r\n        width: 100%; height: 100%;\r\n        border: 2px solid var(--gold-primary);\r\n        z-index: 0;\r\n    }\r\n    .endorse-img-wrapper img {\r\n        width: 100%; height: auto;\r\n        position: relative;\r\n        z-index: 1;\r\n        border-radius: 2px;\r\n        box-shadow: 0 20px 40px rgba(0,0,0,0.8);\r\n        filter: grayscale(10%);\r\n        transition: var(--transition-slow);\r\n    }\r\n    .endorse-img-wrapper:hover img {\r\n        filter: grayscale(0%);\r\n        transform: translateY(-5px);\r\n    }\r\n    .endorse-text h2 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 2.5rem;\r\n        color: #ffffff;\r\n        margin-top: 0; margin-bottom: 2rem;\r\n        font-weight: 400;\r\n    }\r\n    .endorse-text blockquote {\r\n        font-size: 1.15rem;\r\n        line-height: 1.9;\r\n        color: var(--text-muted);\r\n        margin: 0 0 2.5rem 0;\r\n        font-style: italic;\r\n        border-left: 3px solid var(--gold-primary);\r\n        padding-left: 20px;\r\n    }\r\n    .author-box { display: flex; align-items: center; gap: 20px; }\r\n    .author-line { width: 50px; height: 1px; background-color: var(--gold-primary); }\r\n    .author-name { font-weight: 600; color: #ffffff; letter-spacing: 1px; display: block; font-size: 1rem; }\r\n    .author-title { font-size: 0.75rem; color: var(--gold-primary); text-transform: uppercase; letter-spacing: 3px; margin-top: 5px; display: block; }\r\n\r\n    \/* --- SECTION TITLES --- *\/\r\n    .section-title {\r\n        text-align: center;\r\n        margin-bottom: 4rem;\r\n    }\r\n    .section-title span {\r\n        color: var(--gold-primary);\r\n        font-size: 0.85rem;\r\n        text-transform: uppercase;\r\n        letter-spacing: 4px;\r\n        display: block;\r\n        margin-bottom: 1rem;\r\n        font-weight: 600;\r\n    }\r\n    .section-title h2 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: clamp(2rem, 4vw, 3.5rem);\r\n        font-weight: 400;\r\n        color: #ffffff;\r\n        margin: 0;\r\n        line-height: 1.2;\r\n    }\r\n    .section-title h2 em {\r\n        font-style: italic;\r\n        color: var(--gold-primary);\r\n    }\r\n\r\n    \/* --- 3. SERVICES SECTION --- *\/\r\n    .services-lux { \r\n        background-color: var(--obsidian); \r\n        padding-top: 2rem;\r\n        border-top: 1px solid var(--border-thin);\r\n    }\r\n    \r\n    .pathway-grid {\r\n        display: grid;\r\n        grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));\r\n        gap: 2rem;\r\n    }\r\n    \r\n    .pathway-card {\r\n        background-color: #0a0a0a;\r\n        border: 1px solid rgba(255,255,255,0.03);\r\n        border-radius: 8px;\r\n        padding: 3rem 2.5rem;\r\n        display: flex;\r\n        flex-direction: column;\r\n        transition: all 0.4s ease;\r\n        text-decoration: none;\r\n    }\r\n    \r\n    .pathway-card:hover {\r\n        border-color: rgba(194, 166, 97, 0.4);\r\n        transform: translateY(-5px);\r\n        background-color: #0f0f0f;\r\n    }\r\n    \r\n    .pathway-badge {\r\n        align-self: flex-start;\r\n        background-color: rgba(194, 166, 97, 0.08);\r\n        color: #c2a661;\r\n        padding: 0.4rem 1.2rem;\r\n        border-radius: 20px;\r\n        font-size: 0.7rem;\r\n        font-weight: 700;\r\n        letter-spacing: 1.5px;\r\n        margin-bottom: 2rem;\r\n        text-transform: uppercase;\r\n    }\r\n    \r\n    .pathway-card h3 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 1.8rem;\r\n        color: #ffffff;\r\n        margin: 0 0 1rem 0;\r\n        font-weight: 400;\r\n    }\r\n    \r\n    .pathway-desc {\r\n        color: #d1d5db;\r\n        font-size: 0.95rem;\r\n        line-height: 1.6;\r\n        margin: 0 0 2rem 0;\r\n        font-weight: 300;\r\n    }\r\n    \r\n    .pathway-list {\r\n        list-style: none;\r\n        padding: 0;\r\n        margin: 0 0 3rem 0;\r\n        flex: 1; \r\n    }\r\n    .pathway-list li {\r\n        position: relative;\r\n        padding-left: 1.8rem;\r\n        margin-bottom: 1rem;\r\n        color: #9ca3af;\r\n        font-size: 0.9rem;\r\n        line-height: 1.6;\r\n    }\r\n    .pathway-list li::before {\r\n        content: '\u2713';\r\n        position: absolute;\r\n        left: 0;\r\n        top: 0;\r\n        color: #c2a661;\r\n        font-weight: bold;\r\n        font-size: 1.1rem;\r\n    }\r\n    .pathway-list li b, .pathway-list li strong {\r\n        color: #d1d5db;\r\n        font-weight: 600;\r\n    }\r\n    \r\n    .pathway-btn {\r\n        display: block;\r\n        width: 100%;\r\n        text-align: center;\r\n        border: 1px solid rgba(194, 166, 97, 0.35);\r\n        color: #c2a661;\r\n        padding: 1rem;\r\n        border-radius: 4px;\r\n        text-transform: uppercase;\r\n        font-size: 0.8rem;\r\n        font-weight: 600;\r\n        letter-spacing: 1.5px;\r\n        text-decoration: none;\r\n        transition: all 0.3s ease;\r\n        background: transparent;\r\n    }\r\n    .pathway-card:hover .pathway-btn {\r\n        background-color: #c2a661;\r\n        color: #050505;\r\n        border-color: #c2a661;\r\n    }\r\n\r\n    \/* --- 3.5. YOUTUBE PODCAST & KISAH BENAR SECTION (BARU) --- *\/\r\n    .podcast-lux {\r\n        background: radial-gradient(circle at top right, rgba(194, 166, 97, 0.08), transparent 45%), #080808;\r\n        border-top: 1px solid var(--border-thin);\r\n        position: relative;\r\n    }\r\n\r\n    .podcast-subtitle {\r\n        max-width: 680px;\r\n        margin: 1rem auto 0 auto;\r\n        color: var(--text-muted);\r\n        font-size: 1rem;\r\n        font-weight: 300;\r\n        line-height: 1.7;\r\n    }\r\n\r\n    .podcast-cinema-grid {\r\n        display: grid;\r\n        grid-template-columns: 7fr 5fr;\r\n        gap: 2.5rem;\r\n        align-items: start;\r\n    }\r\n\r\n    \/* Kotak Video Utama (Kiri) *\/\r\n    .podcast-main-stage {\r\n        background: #0c0c0c;\r\n        border: 1px solid rgba(194, 166, 97, 0.2);\r\n        border-radius: 8px;\r\n        overflow: hidden;\r\n        box-shadow: 0 25px 50px rgba(0, 0, 0, 0.7);\r\n    }\r\n\r\n    .podcast-video-frame {\r\n        position: relative;\r\n        width: 100%;\r\n        padding-top: 56.25%; \/* 16:9 Aspect Ratio *\/\r\n        background: #000;\r\n        cursor: pointer;\r\n        overflow: hidden;\r\n    }\r\n\r\n    .podcast-video-frame iframe,\r\n    .podcast-video-cover {\r\n        position: absolute;\r\n        top: 0; left: 0;\r\n        width: 100%; height: 100%;\r\n        border: 0;\r\n    }\r\n\r\n    .podcast-video-cover img {\r\n        width: 100%;\r\n        height: 100%;\r\n        object-fit: cover;\r\n        transition: transform 0.6s ease, filter 0.4s ease;\r\n        filter: brightness(0.85);\r\n    }\r\n\r\n    .podcast-video-frame:hover .podcast-video-cover img {\r\n        transform: scale(1.04);\r\n        filter: brightness(1);\r\n    }\r\n\r\n    .podcast-play-overlay {\r\n        position: absolute;\r\n        inset: 0;\r\n        background: linear-gradient(to top, rgba(5,5,5,0.85) 0%, rgba(5,5,5,0.2) 50%, rgba(5,5,5,0.3) 100%);\r\n        display: flex;\r\n        flex-direction: column;\r\n        align-items: center;\r\n        justify-content: center;\r\n        gap: 14px;\r\n    }\r\n\r\n    .podcast-play-btn {\r\n        width: 76px;\r\n        height: 76px;\r\n        border-radius: 50%;\r\n        background: var(--gold-primary);\r\n        color: var(--obsidian);\r\n        display: flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n        animation: pulseGlow 2.5s infinite;\r\n        transition: var(--transition-slow);\r\n        box-shadow: 0 10px 30px rgba(194, 166, 97, 0.4);\r\n    }\r\n\r\n    .podcast-video-frame:hover .podcast-play-btn {\r\n        transform: scale(1.12);\r\n        background: var(--gold-light);\r\n    }\r\n\r\n    .podcast-play-btn svg {\r\n        width: 28px;\r\n        height: 28px;\r\n        margin-left: 4px;\r\n        fill: var(--obsidian);\r\n    }\r\n\r\n    .podcast-play-label {\r\n        font-size: 0.75rem;\r\n        letter-spacing: 3px;\r\n        text-transform: uppercase;\r\n        color: #ffffff;\r\n        font-weight: 600;\r\n        background: rgba(5, 5, 5, 0.75);\r\n        padding: 6px 16px;\r\n        border-radius: 20px;\r\n        border: 1px solid rgba(194, 166, 97, 0.4);\r\n    }\r\n\r\n    .podcast-stage-info {\r\n        padding: 2rem 2.2rem;\r\n    }\r\n\r\n    .podcast-stage-meta {\r\n        display: flex;\r\n        align-items: center;\r\n        justify-content: space-between;\r\n        flex-wrap: wrap;\r\n        gap: 10px;\r\n        margin-bottom: 0.8rem;\r\n    }\r\n\r\n    .podcast-stage-badge {\r\n        background: rgba(194, 166, 97, 0.12);\r\n        color: var(--gold-primary);\r\n        padding: 0.35rem 1rem;\r\n        border-radius: 20px;\r\n        font-size: 0.72rem;\r\n        font-weight: 700;\r\n        letter-spacing: 1.5px;\r\n        text-transform: uppercase;\r\n    }\r\n\r\n    .podcast-stage-channel {\r\n        font-size: 0.8rem;\r\n        color: var(--text-muted);\r\n        display: inline-flex;\r\n        align-items: center;\r\n        gap: 6px;\r\n    }\r\n\r\n    .podcast-stage-info h3 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 1.65rem;\r\n        color: #ffffff;\r\n        margin: 0 0 0.8rem 0;\r\n        font-weight: 400;\r\n        line-height: 1.3;\r\n    }\r\n\r\n    .podcast-stage-info p {\r\n        color: #9ca3af;\r\n        font-size: 0.95rem;\r\n        margin: 0 0 1.8rem 0;\r\n        line-height: 1.7;\r\n    }\r\n\r\n    \/* Bar Butang Promosi & Reach YouTube *\/\r\n    .podcast-promo-actions {\r\n        display: flex;\r\n        flex-wrap: wrap;\r\n        gap: 12px;\r\n        padding-top: 1.4rem;\r\n        border-top: 1px solid rgba(255, 255, 255, 0.06);\r\n    }\r\n\r\n    .btn-yt-watch {\r\n        flex: 1;\r\n        min-width: 190px;\r\n        display: inline-flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n        gap: 10px;\r\n        padding: 0.9rem 1.4rem;\r\n        background: var(--gold-primary);\r\n        color: var(--obsidian);\r\n        font-size: 0.78rem;\r\n        font-weight: 700;\r\n        text-transform: uppercase;\r\n        letter-spacing: 1.5px;\r\n        text-decoration: none;\r\n        border-radius: 4px;\r\n        transition: all 0.3s ease;\r\n    }\r\n\r\n    .btn-yt-watch:hover {\r\n        background: var(--gold-light);\r\n        color: var(--obsidian);\r\n        transform: translateY(-2px);\r\n    }\r\n\r\n    .btn-yt-sub {\r\n        display: inline-flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n        gap: 8px;\r\n        padding: 0.9rem 1.4rem;\r\n        background: rgba(255, 0, 0, 0.12);\r\n        border: 1px solid rgba(255, 68, 68, 0.4);\r\n        color: #ffffff;\r\n        font-size: 0.78rem;\r\n        font-weight: 600;\r\n        text-transform: uppercase;\r\n        letter-spacing: 1.2px;\r\n        text-decoration: none;\r\n        border-radius: 4px;\r\n        transition: all 0.3s ease;\r\n    }\r\n\r\n    .btn-yt-sub:hover {\r\n        background: #cc0000;\r\n        border-color: #cc0000;\r\n        color: #ffffff;\r\n        transform: translateY(-2px);\r\n    }\r\n\r\n    .btn-wa-share {\r\n        display: inline-flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n        gap: 8px;\r\n        padding: 0.9rem 1.2rem;\r\n        background: transparent;\r\n        border: 1px solid rgba(255, 255, 255, 0.12);\r\n        color: var(--text-muted);\r\n        font-size: 0.78rem;\r\n        font-weight: 600;\r\n        text-transform: uppercase;\r\n        letter-spacing: 1px;\r\n        text-decoration: none;\r\n        border-radius: 4px;\r\n        transition: all 0.3s ease;\r\n    }\r\n\r\n    .btn-wa-share:hover {\r\n        border-color: var(--gold-primary);\r\n        color: var(--gold-primary);\r\n    }\r\n\r\n    \/* Senarai Playlist Episod (Kanan) *\/\r\n    .podcast-playlist-box {\r\n        background: #0b0b0b;\r\n        border: 1px solid rgba(255, 255, 255, 0.05);\r\n        border-radius: 8px;\r\n        overflow: hidden;\r\n    }\r\n\r\n    .playlist-header {\r\n        padding: 1.2rem 1.5rem;\r\n        background: #121212;\r\n        border-bottom: 1px solid rgba(255, 255, 255, 0.06);\r\n        display: flex;\r\n        justify-content: space-between;\r\n        align-items: center;\r\n    }\r\n\r\n    .playlist-header span {\r\n        font-size: 0.78rem;\r\n        text-transform: uppercase;\r\n        letter-spacing: 2px;\r\n        color: var(--gold-primary);\r\n        font-weight: 700;\r\n    }\r\n\r\n    .playlist-header small {\r\n        color: var(--text-muted);\r\n        font-size: 0.75rem;\r\n        letter-spacing: 1px;\r\n    }\r\n\r\n    .playlist-items {\r\n        display: flex;\r\n        flex-direction: column;\r\n        max-height: 520px;\r\n        overflow-y: auto;\r\n        scrollbar-width: thin;\r\n        scrollbar-color: rgba(194, 166, 97, 0.4) #0b0b0b;\r\n    }\r\n\r\n    .playlist-items::-webkit-scrollbar {\r\n        width: 6px;\r\n    }\r\n\r\n    .playlist-items::-webkit-scrollbar-track {\r\n        background: #0b0b0b;\r\n    }\r\n\r\n    .playlist-items::-webkit-scrollbar-thumb {\r\n        background: rgba(194, 166, 97, 0.35);\r\n        border-radius: 3px;\r\n    }\r\n\r\n    .playlist-items::-webkit-scrollbar-thumb:hover {\r\n        background: var(--gold-primary);\r\n    }\r\n\r\n    .ep-card {\r\n        display: flex;\r\n        align-items: center;\r\n        gap: 1rem;\r\n        padding: 1.1rem 1.4rem;\r\n        border-bottom: 1px solid rgba(255, 255, 255, 0.04);\r\n        cursor: pointer;\r\n        transition: all 0.3s ease;\r\n        text-align: left;\r\n        background: transparent;\r\n        width: 100%;\r\n        border-left: 3px solid transparent;\r\n    }\r\n\r\n    .ep-card:last-child {\r\n        border-bottom: none;\r\n    }\r\n\r\n    .ep-card:hover {\r\n        background: rgba(194, 166, 97, 0.05);\r\n    }\r\n\r\n    .ep-card.active {\r\n        background: rgba(194, 166, 97, 0.1);\r\n        border-left-color: var(--gold-primary);\r\n    }\r\n\r\n    .ep-thumb {\r\n        position: relative;\r\n        width: 115px;\r\n        height: 66px;\r\n        border-radius: 4px;\r\n        overflow: hidden;\r\n        flex-shrink: 0;\r\n        border: 1px solid rgba(255, 255, 255, 0.1);\r\n    }\r\n\r\n    .ep-thumb img {\r\n        width: 100%;\r\n        height: 100%;\r\n        object-fit: cover;\r\n    }\r\n\r\n    .ep-thumb-play {\r\n        position: absolute;\r\n        inset: 0;\r\n        background: rgba(0, 0, 0, 0.45);\r\n        display: flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n    }\r\n\r\n    .ep-thumb-play span {\r\n        width: 26px;\r\n        height: 26px;\r\n        border-radius: 50%;\r\n        background: rgba(194, 166, 97, 0.9);\r\n        color: #050505;\r\n        display: flex;\r\n        align-items: center;\r\n        justify-content: center;\r\n        font-size: 0.65rem;\r\n        font-weight: bold;\r\n    }\r\n\r\n    .ep-info {\r\n        flex: 1;\r\n        min-width: 0;\r\n    }\r\n\r\n    .ep-tag {\r\n        display: block;\r\n        font-size: 0.68rem;\r\n        color: var(--gold-primary);\r\n        text-transform: uppercase;\r\n        letter-spacing: 1.5px;\r\n        font-weight: 700;\r\n        margin-bottom: 3px;\r\n    }\r\n\r\n    .ep-title {\r\n        font-size: 0.92rem;\r\n        color: #ffffff;\r\n        font-weight: 600;\r\n        line-height: 1.35;\r\n        margin: 0 0 4px 0;\r\n        display: -webkit-box;\r\n        -webkit-line-clamp: 2;\r\n        -webkit-box-orient: vertical;\r\n        overflow: hidden;\r\n    }\r\n\r\n    .ep-sub {\r\n        font-size: 0.76rem;\r\n        color: var(--text-muted);\r\n        margin: 0;\r\n        white-space: nowrap;\r\n        overflow: hidden;\r\n        text-overflow: ellipsis;\r\n    }\r\n\r\n    \/* Bar Kempen Subscribe Bawah Playlist *\/\r\n    .yt-channel-banner {\r\n        margin-top: 2.5rem;\r\n        background: linear-gradient(90deg, #111111 0%, rgba(194, 166, 97, 0.12) 100%);\r\n        border: 1px solid rgba(194, 166, 97, 0.25);\r\n        border-radius: 8px;\r\n        padding: 1.8rem 2.5rem;\r\n        display: flex;\r\n        align-items: center;\r\n        justify-content: space-between;\r\n        flex-wrap: wrap;\r\n        gap: 1.5rem;\r\n    }\r\n\r\n    .yt-channel-text h4 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 1.35rem;\r\n        color: #ffffff;\r\n        margin: 0 0 0.3rem 0;\r\n        font-weight: 400;\r\n    }\r\n\r\n    .yt-channel-text p {\r\n        margin: 0;\r\n        color: var(--text-muted);\r\n        font-size: 0.9rem;\r\n    }\r\n\r\n    \/* --- 4. FAQ SECTION (SEO GOLDMINE) --- *\/\r\n    .faq-lux { \r\n        background-color: var(--charcoal-light); \r\n        padding-top: 3rem;\r\n        border-top: 1px solid var(--border-thin);\r\n    }\r\n    .faq-container { max-width: 850px; margin: 0 auto; }\r\n    \r\n    details.faq-item {\r\n        background: var(--charcoal);\r\n        margin-bottom: 1rem;\r\n        border: 1px solid var(--border-thin);\r\n        border-radius: 4px;\r\n        overflow: hidden;\r\n        transition: var(--transition-slow);\r\n    }\r\n    details.faq-item:hover {\r\n        border-color: var(--gold-primary);\r\n    }\r\n    details.faq-item summary {\r\n        padding: 1.5rem 2rem;\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: 1.2rem;\r\n        color: var(--gold-light);\r\n        cursor: pointer;\r\n        list-style: none;\r\n        display: flex;\r\n        justify-content: space-between;\r\n        align-items: center;\r\n        font-weight: 500;\r\n    }\r\n    details.faq-item summary::-webkit-details-marker { display: none; }\r\n    details.faq-item summary::after {\r\n        content: '+';\r\n        font-size: 1.5rem;\r\n        color: var(--gold-primary);\r\n        transition: transform 0.3s;\r\n    }\r\n    details[open].faq-item summary::after {\r\n        content: '-';\r\n        transform: rotate(180deg);\r\n    }\r\n    details.faq-item p {\r\n        padding: 0 2rem 1.5rem 2rem;\r\n        margin: 0;\r\n        color: var(--text-muted);\r\n        line-height: 1.8;\r\n    }\r\n\r\n    \/* --- 5. CTA BOTTOM --- *\/\r\n    .cta-bottom {\r\n        background: linear-gradient(to right, rgba(194, 166, 97, 0.05), transparent), var(--obsidian);\r\n        text-align: center;\r\n        border-top: 1px solid var(--border-thin);\r\n    }\r\n    .cta-bottom h2 {\r\n        font-family: 'Playfair Display', serif;\r\n        font-size: clamp(1.8rem, 3vw, 2.5rem);\r\n        margin-bottom: 1rem;\r\n        color: #ffffff;\r\n        font-weight: 400;\r\n    }\r\n\r\n    \/* --- RESPONSIVE MOBILE --- *\/\r\n    @media (max-width: 992px) {\r\n        .endorsement-grid { grid-template-columns: 1fr; gap: 3rem; text-align: center; }\r\n        .endorse-img-wrapper::before { display: none; }\r\n        .author-box { justify-content: center; }\r\n        .author-line { display: none; }\r\n        .podcast-cinema-grid { grid-template-columns: 1fr; }\r\n    }\r\n\r\n    @media (max-width: 768px) {\r\n        .container-lux { padding: 4rem 0; width: 85%; }\r\n        .premium-hero {\r\n            background: linear-gradient(to bottom, rgba(5,5,5,0.6) 0%, var(--obsidian) 100%), \r\n                        url('https:\/\/images.unsplash.com\/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&q=80&w=1000') center\/cover;\r\n            text-align: center;\r\n        }\r\n        .hero-content { margin: 0 auto; }\r\n        .hero-content p { margin: 0 auto 2.5rem auto; font-size: 1rem; }\r\n        .hero-content h1 { font-size: 2.2rem; }\r\n        .trust-grid { grid-template-columns: 1fr; gap: 2rem; border-top: none; }\r\n        .section-title h2 { font-size: 2rem; }\r\n        .pathway-card { padding: 2.5rem 1.5rem; }\r\n        .podcast-stage-info { padding: 1.5rem; }\r\n        .podcast-stage-info h3 { font-size: 1.35rem; }\r\n        .yt-channel-banner { padding: 1.5rem; text-align: center; justify-content: center; }\r\n        details.faq-item summary { padding: 1.2rem; font-size: 1.1rem; }\r\n        details.faq-item p { padding: 0 1.2rem 1.2rem 1.2rem; }\r\n    }\r\n<\/style>\r\n\r\n<!-- SEO VIDEO SCHEMA (MEMBANTU VIDEO YOUTUBE MUNCUL DI GOOGLE SEARCH) -->\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"ItemList\",\r\n  \"itemListElement\": [\r\n    {\r\n      \"@type\": \"VideoObject\",\r\n      \"position\": 1,\r\n      \"name\": \"CARA BATAL KES BANKRAP! | Borak Santai Tuan Ikaz\",\r\n      \"description\": \"Kupasan santai bersama Tuan Ikaz mengenai prosedur sah membatalkan kes bankrap di Malaysia.\",\r\n      \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/zYh8redG-LA\/hqdefault.jpg\",\r\n      \"uploadDate\": \"2026-01-01T08:00:00+08:00\",\r\n      \"contentUrl\": \"https:\/\/youtu.be\/zYh8redG-LA\",\r\n      \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/zYh8redG-LA\"\r\n    },\r\n    {\r\n      \"@type\": \"VideoObject\",\r\n      \"position\": 2,\r\n      \"name\": \"Cara Bebas Bankrap | Ep1 Tuan Ikaz\",\r\n      \"description\": \"Podcast Episod 1: Cara Bebas Bankrap Sebenar bersama Tuan Ikaz.\",\r\n      \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/zk5W2sgBzEo\/hqdefault.jpg\",\r\n      \"uploadDate\": \"2026-01-01T08:00:00+08:00\",\r\n      \"contentUrl\": \"https:\/\/youtu.be\/zk5W2sgBzEo\",\r\n      \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/zk5W2sgBzEo\"\r\n    },\r\n    {\r\n      \"@type\": \"VideoObject\",\r\n      \"position\": 3,\r\n      \"name\": \"Saya Juga Pernah Bankrap | Ep2 Tuan Ikaz\",\r\n      \"description\": \"Podcast Episod 2: Saya Pernah Bankrap - Kisah Sebenar Tuan Ikaz.\",\r\n      \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/uZ5XzZ-Vz7k\/hqdefault.jpg\",\r\n      \"uploadDate\": \"2026-01-01T08:00:00+08:00\",\r\n      \"contentUrl\": \"https:\/\/youtu.be\/uZ5XzZ-Vz7k\",\r\n      \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/uZ5XzZ-Vz7k\"\r\n    },\r\n    {\r\n      \"@type\": \"VideoObject\",\r\n      \"position\": 4,\r\n      \"name\": \"Kisah Benar Bebas Bankrap | Ep3 Capt, Rinto dan Isteri\",\r\n      \"description\": \"Podcast Episod 3: Kisah Benar Bebas Bankrap bersama Capt Rinto dan Isteri.\",\r\n      \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/sE0_EHgJGxw\/hqdefault.jpg\",\r\n      \"uploadDate\": \"2026-01-01T08:00:00+08:00\",\r\n      \"contentUrl\": \"https:\/\/youtu.be\/sE0_EHgJGxw\",\r\n      \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/sE0_EHgJGxw\"\r\n    },\r\n    {\r\n      \"@type\": \"VideoObject\",\r\n      \"position\": 5,\r\n      \"name\": \"Kisah Benar Bebas Bankrap | Ep4 Tuan M\",\r\n      \"description\": \"Podcast Episod 4: Kisah & Pengalaman Sebenar Tuan M Bersama Tuan Ikaz.\",\r\n      \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/diQPn1bTA1U\/hqdefault.jpg\",\r\n      \"uploadDate\": \"2026-01-01T08:00:00+08:00\",\r\n      \"contentUrl\": \"https:\/\/youtu.be\/diQPn1bTA1U\",\r\n      \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/diQPn1bTA1U\"\r\n    }\r\n  ]\r\n}\r\n<\/script>\r\n\r\n<!-- KOTAK WRAPPER -->\r\n<div class=\"ilmure-home-wrapper\">\r\n\r\n    <!-- 1. HERO SECTION -->\r\n    <section class=\"premium-hero\">\r\n        <div class=\"container-lux\">\r\n            <div class=\"hero-content\">\r\n                <span class=\"hero-tag\">Pengurusan Dokumentasi &amp; Pelepasan Kebankrapan<\/span>\r\n                \r\n                <h1>Buntu Dengan Status Bankrap? <em>Kami Rangka Pelan Pelepasan Anda.<\/em><\/h1>\r\n                \r\n                <p>Berpengalaman sejak 2013 menguruskan fail insolvensi. Kami membantu merangka penyata kewangan, draf rayuan, dan permohonan pelepasan rasmi kepada Jabatan Insolvensi Malaysia (MdI) secara profesional, telus, dan 100% P&amp;C (Private &amp; Confidential).<\/p>\r\n                \r\n                <a href=\"https:\/\/portal.ilmure.com\/\" onclick=\"return bukaPopupYuranServis(event, 'Penilaian & Pengurusan Kes Kebankrapan', 'RM 100 \/ RM 500 \/ RM 1,500 \/ RM 3,999 (Mengikut Pilihan Servis)', 'https:\/\/portal.ilmure.com\/', 'Semua transaksi pembayaran adalah MUKTAMAD dan TIDAK BOLEH DIPULANGKAN (Non-Refundable). Dijamin 100% P&C (Private & Confidential).')\" class=\"hero-btn\" aria-label=\"Semak Kelayakan &amp; Daftar Kes\">\r\n                    Semak Kelayakan &amp; Daftar Kes\r\n                <\/a>\r\n                <div style=\"margin-top:1.1rem; font-size:0.8rem; color:#9ca3af; letter-spacing:1px;\">Perkhidmatan berbayar &middot; Carian Status 24 Jam &middot; 100% P&amp;C (Private &amp; Confidential)<\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"lux-divider\" style=\"position: absolute; bottom: 0;\"><\/div>\r\n    <\/section>\r\n\r\n    <!-- TRUST STATISTICS -->\r\n    <section class=\"trust-banner\">\r\n        <div class=\"container-lux\" style=\"padding: 0;\">\r\n            <div class=\"trust-grid\">\r\n                <div class=\"trust-item\">\r\n                    <h4>150+<\/h4>\r\n                    <p>Kes Diuruskan<\/p>\r\n                <\/div>\r\n                <div class=\"trust-item\">\r\n                    <h4>100%<\/h4>\r\n                    <p>P&amp;C (Private &amp; Confidential)<\/p>\r\n                <\/div>\r\n                <div class=\"trust-item\">\r\n                    <h4>Sdn. Bhd.<\/h4>\r\n                    <p>Berdaftar &amp; Berpengalaman<\/p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <!-- 2. ENDORSEMENT SECTION -->\r\n    <section class=\"endorsement-lux\">\r\n        <div class=\"container-lux\">\r\n            <div class=\"endorsement-grid\">\r\n                <div class=\"endorse-img-wrapper\">\r\n                    <img decoding=\"async\" src=\"https:\/\/ilmure.com\/wp-content\/uploads\/2023\/09\/PPIM.jpg\" alt=\"Sokongan Datuk Nadzim Johan PPIM Berkaitan Isu Bankrap\" loading=\"lazy\">\r\n                <\/div>\r\n                <div class=\"endorse-text\">\r\n                    <span class=\"hero-tag\" style=\"margin-bottom: 1rem; border-bottom:none;\">Dipercayai Oleh PPIM<\/span>\r\n                    <h2>Mandat & Kepercayaan<\/h2>\r\n                    <blockquote>\r\n                        \"Bankrap itu bukan pengakhiran sebenarnya tetapi sekadar proses untuk melepaskan diri kita daripada cengkaman dan membina semula kehidupan. Ilmu ini telah dikongsikan oleh penulis bersama dengan Unit Konsultasi Kebankrapan Persatuan Pengguna Islam Malaysia (PPIM).\"\r\n                    <\/blockquote>\r\n                    <div class=\"author-box\">\r\n                        <div class=\"author-line\"><\/div>\r\n                        <div>\r\n                            <span class=\"author-name\">Datuk Nadzim Johan<\/span>\r\n                            <span class=\"author-title\">Ketua Aktivis PPIM<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <!-- 3. SERVICES SECTION (REKAAN PREMIUM GELAP & CLEAN - HARGA KELUAR BILA DIKLIK) -->\r\n    <section class=\"services-lux\" id=\"senarai-servis\">\r\n        <div class=\"container-lux\">\r\n            <div class=\"section-title\">\r\n                <span>Mekanisme Undang-Undang<\/span>\r\n                <h2>Laluan Pelepasan Kebankrapan<\/h2>\r\n            <\/div>\r\n            \r\n            <div class=\"pathway-grid\">\r\n                \r\n                <!-- SERVIS 1: CARIAN RASMI STATUS KEBANKRAPAN -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=carian100\" onclick=\"return bukaPopupYuranServis(event, 'Carian Rasmi Status Kebankrapan', 'RM 100.00', 'https:\/\/portal.ilmure.com\/?servis=carian100', 'Hanya mengesahkan status sama ada individu tersebut bankrap atau tidak (tiada maklumat fail terperinci atau khidmat nasihat). Keputusan diperoleh dalam masa 24 jam selepas bayaran dijelaskan.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Carian Rasmi &bull; 24 Jam<\/span>\r\n                    <h3>Carian Status Bankrap<\/h3>\r\n                    <p class=\"pathway-desc\">Semakan pengesahan rasmi status kebankrapan terkini sama ada seseorang individu berstatus bankrap atau tidak.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Pengesahan status rasmi sama ada <b>bankrap atau tidak<\/b>.<\/li>\r\n                        <li>Keputusan diperoleh dalam tempoh <b>24 jam selepas bayaran dijelaskan<\/b>.<\/li>\r\n                        <li>Tidak merangkumi maklumat fail terperinci atau khidmat nasihat.<\/li>\r\n                        <li><b>Langkah Pertama:<\/b> Kepastian status sebelum merangka tindakan.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">MOHON CARIAN STATUS<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 2: SESI KONSULTASI BERSAMA TUAN IKAZ -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=konsultasi500\" onclick=\"return bukaPopupYuranServis(event, 'Sesi Konsultasi & Bincang Kes Bersama Tuan Ikaz', 'RM 500.00', 'https:\/\/portal.ilmure.com\/?servis=konsultasi500', 'Sesi perbincangan kes secara personal bagi mendapatkan pandangan profesional berdasarkan kedudukan sebenar fail anda. Yuran konsultasi adalah berasingan dan tidak ditolak daripada yuran pengurusan dokumentasi.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Konsultasi Personal<\/span>\r\n                    <h3>Konsultasi &amp; Bincang Kes<\/h3>\r\n                    <p class=\"pathway-desc\">Sesi pertemuan tertutup bersama Tuan Ikaz bagi membincangkan kedudukan kes dan mendapatkan pandangan profesional.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Sesi perbincangan kes secara <b>personal bersama Tuan Ikaz<\/b>.<\/li>\r\n                        <li>Kefahaman jelas mengenai prosedur Akta Insolvensi &amp; pentadbiran MdI.<\/li>\r\n                        <li>Memahami hak dan tanggungjawab anda sebagai individu bankrap.<\/li>\r\n                        <li><b>Strategi:<\/b> Merancang laluan penyelesaian yang paling sesuai.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">TEMPAH KONSULTASI<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 3: SEKSYEN 105 -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=s105\" onclick=\"return bukaPopupYuranServis(event, 'Pembatalan Kes Bankrap (Seksyen 105)', 'Bayaran Permulaan: RM 3,999.00', 'https:\/\/portal.ilmure.com\/?servis=s105', 'RM 3,999.00 adalah bayaran permulaan untuk memulakan kerja. Yuran penuh ILMURE adalah 10% daripada jumlah penyelesaian akhir yang ditetapkan oleh MdI (tolak RM 3,999 yang telah dibayar), dijelaskan sebelum kerja selesai. Kos peguam (RM 8,000 - RM 10,000) & fi MdI adalah berasingan.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Seksyen 105<\/span>\r\n                    <h3>Pembatalan Kes Bankrap<\/h3>\r\n                    <p class=\"pathway-desc\">Pengurusan dokumentasi bagi membatalkan status bankrap seolah-olah tidak pernah bankrap melalui penyelesaian penuh hutang (POD).<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Membatalkan kebankrapan melalui penyelesaian penuh hutang (POD) + fi MdI.<\/li>\r\n                        <li><b>Bayaran Permulaan RM 3,999<\/b> untuk memulakan pengurusan kertas kerja.<\/li>\r\n                        <li>Yuran penuh: <b>10% daripada jumlah penyelesaian MdI<\/b> (tolak RM 3,999 awal).<\/li>\r\n                        <li><b>Nota:<\/b> Kos peguam mahkamah (RM 8,000 \u2013 RM 10,000) diuruskan berasingan.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING SEKSYEN 105<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 4: SEKSYEN 33A -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=s33a\" onclick=\"return bukaPopupYuranServis(event, 'Pelepasan Sijil KPI (Seksyen 33A \u2014 > 5 Tahun)', 'RM 3,999.00 (POD < RM 1 Juta) \/ Mengikut Skala POD', 'https:\/\/portal.ilmure.com\/?servis=s33a', 'Yuran pengurusan Seksyen 33A adalah mengikut jumlah hutang (POD): Bawah RM1 Juta (RM3,999) | RM1J-1.99J (RM8,499) | RM2J-2.99J (RM10,999) | RM3J-4.99J (RM13,999) | RM5J-7.49J (RM17,999) | RM7.5J-9.99J (RM21,999) | RM10J ke atas (RM25,000+).')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Seksyen 33A &bull; &gt; 5 Tahun<\/span>\r\n                    <h3>Pelepasan Sijil KPI<\/h3>\r\n                    <p class=\"pathway-desc\">Permohonan pelepasan melalui Sijil Ketua Pengarah Insolvensi (KPI) bagi kes melebihi 5 tahun dari tarikh perintah.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Permohonan dibenarkan selepas <b>5 tahun<\/b> ditadbir oleh MdI.<\/li>\r\n                        <li>Yuran mengikut skala <b>Jumlah Hutang (POD)<\/b> bermula RM 3,999 (POD &lt; RM 1 Juta).<\/li>\r\n                        <li>Pemiutang diberikan tempoh untuk mengemukakan bantahan.<\/li>\r\n                        <li><b>Seksyen 33A(2):<\/b> Perlindungan khas Penjamin Sosial, OKU, Pesakit Kronik &amp; Warga Emas.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING KES 33A<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 5: SEKSYEN 33C -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=s33c\" onclick=\"return bukaPopupYuranServis(event, 'Pelepasan Automatik (Seksyen 33C \u2014 > 3 Tahun)', 'RM 3,999.00 (Hanya Untuk POD Bawah RM 1 Juta)', 'https:\/\/portal.ilmure.com\/?servis=s33c', 'PENTING: Permohonan Seksyen 33C (> 3 Tahun) HANYA layak untuk jumlah hutang (POD) di bawah RM 1,000,000. Bagi POD RM 1 Juta ke atas, permohonan pelepasan perlu dibuat melalui Seksyen 33A selepas 5 tahun.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Seksyen 33C &bull; &gt; 3 Tahun<\/span>\r\n                    <h3>Pelepasan Automatik<\/h3>\r\n                    <p class=\"pathway-desc\">Laluan pelepasan selepas 3 tahun dari tarikh serahan Pernyataan Hal Ehwal (PHE), khusus untuk POD di bawah RM 1 Juta.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Khusus untuk kes dengan <b>Jumlah Hutang (POD) di bawah RM 1,000,000<\/b>.<\/li>\r\n                        <li>Pelepasan selepas <b>3 tahun<\/b> dari tarikh pemfailan PHE.<\/li>\r\n                        <li><b>Wajib<\/b> mencapai sasaran sumbangan (<i>Target Contribution<\/i>) &amp; patuh jadual laporan.<\/li>\r\n                        <li><b>Yuran Tetap:<\/b> RM 3,999.00 untuk pengurusan dokumentasi permohonan.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING KES 33C<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 6: SEMAKAN SEMULA ANSURAN BULANAN -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=ansuran\" onclick=\"return bukaPopupYuranServis(event, 'Semakan Semula Ansuran Bulanan MdI', 'RM 3,999.00', 'https:\/\/portal.ilmure.com\/?servis=ansuran', 'Penyediaan penyata kewangan dan surat permohonan rasmi kepada MdI untuk semakan semula kadar bayaran ansuran bulanan agar lebih munasabah. Tempoh kelulusan tertakluk kepada maklum balas MdI.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Ansuran MdI<\/span>\r\n                    <h3>Semakan Ansuran Bulanan<\/h3>\r\n                    <p class=\"pathway-desc\">Bantuan menyusun penyata kewangan dan surat permohonan rasmi bagi semakan semula kadar ansuran bulanan MdI.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Menyusun dokumentasi pendapatan &amp; komitmen perbelanjaan sebenar.<\/li>\r\n                        <li>Permohonan rasmi kadar ansuran bulanan yang <b>lebih munasabah<\/b>.<\/li>\r\n                        <li>Mengelakkan bebanan kewangan akibat potongan bulanan yang terlalu tinggi.<\/li>\r\n                        <li><b>Kestabilan:<\/b> Membantu anda mengurus aliran tunai sara hidup keluarga.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING ANSURAN<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 7: KEBENARAN BUKA AKAUN BANK -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=akaun\" onclick=\"return bukaPopupYuranServis(event, 'Permohonan Kebenaran Buka Akaun Bank', 'RM 3,999.00', 'https:\/\/portal.ilmure.com\/?servis=akaun', 'Penyediaan surat permohonan dan dokumen sokongan lengkap kepada Jabatan Insolvensi Malaysia (MdI) bagi mendapatkan kebenaran membuka akaun bank.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Akaun Bank<\/span>\r\n                    <h3>Kebenaran Buka Akaun<\/h3>\r\n                    <p class=\"pathway-desc\">Penyediaan kertas kerja dan draf sokongan bagi memohon kelulusan membuka atau mengaktifkan akaun bank daripada MdI.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Surat permohonan rasmi mengikut tertib prosedur Jabatan Insolvensi.<\/li>\r\n                        <li>Membuka akaun simpanan khusus untuk tujuan penerimaan gaji &amp; sara hidup.<\/li>\r\n                        <li>Penyediaan dokumen sokongan majikan dan penyata berkaitan.<\/li>\r\n                        <li><b>Kelulusan:<\/b> Tertakluk sepenuhnya kepada budi bicara pihak MdI.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING AKAUN BANK<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 8: KEBENARAN KELUAR NEGARA -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=keluarnegara\" onclick=\"return bukaPopupYuranServis(event, 'Permohonan Kebenaran Keluar Negara (Imigresen)', 'RM 3,999.00', 'https:\/\/portal.ilmure.com\/?servis=keluarnegara', 'Pengurusan dokumentasi permohonan kebenaran keluar negara secara bersyarat kepada Ketua Pengarah Insolvensi (KPI). Tempoh kelulusan bergantung kepada pihak MdI.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Imigresen<\/span>\r\n                    <h3>Kebenaran Keluar Negara<\/h3>\r\n                    <p class=\"pathway-desc\">Mengurus kertas kerja permohonan bersyarat kepada MdI bagi mendapatkan kebenaran perjalanan ke luar negara secara sementara.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Merangka justifikasi permohonan yang teratur dan lengkap.<\/li>\r\n                        <li>Bagi urusan rasmi <b>pekerjaan, rawatan perubatan, atau ibadah (Umrah\/Haji)<\/b>.<\/li>\r\n                        <li>Penyelarasan dokumen sokongan penjamin, majikan atau surat hospital.<\/li>\r\n                        <li><b>Syarat:<\/b> Tertakluk sepenuhnya kepada kelulusan dan syarat KPI.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">RUNDING KELUAR NEGARA<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 9: PERMOHONAN KEBENARAN BERNIAGA -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=berniaga1500\" onclick=\"return bukaPopupYuranServis(event, 'Permohonan Kebenaran Berniaga', 'RM 1,500.00', 'https:\/\/portal.ilmure.com\/?servis=berniaga1500', 'Pengurusan surat permohonan dan dokumentasi sokongan kepada Ketua Pengarah Insolvensi (KPI) bagi memohon kebenaran menjalankan perniagaan secara sah.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Kebenaran KPI<\/span>\r\n                    <h3>Kebenaran Berniaga<\/h3>\r\n                    <p class=\"pathway-desc\">Penyediaan dokumentasi permohonan rasmi kepada Ketua Pengarah Insolvensi (KPI) untuk kebenaran menjalankan perniagaan.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Mengurus surat permohonan rasmi mengikut kehendak Seksyen 38 Akta Insolvensi.<\/li>\r\n                        <li>Menyusun kertas kerja sokongan bagi kelulusan berniaga \/ memegang jawatan.<\/li>\r\n                        <li>Memastikan aktiviti perniagaan anda mematuhi syarat pentadbiran MdI.<\/li>\r\n                        <li><b>Yuran Tetap:<\/b> RM 1,500.00 untuk penyediaan dokumentasi permohonan.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">MOHON KEBENARAN BERNIAGA<\/div>\r\n                <\/a>\r\n\r\n                <!-- SERVIS 10: KELAS ILMU BANKRAP (PRA-KEBANKRAPAN) -->\r\n                <a href=\"https:\/\/portal.ilmure.com\/?servis=kelas3999\" onclick=\"return bukaPopupYuranServis(event, 'Kelas Ilmu Bankrap (Pra-Kebankrapan \u2014 3 Jam)', 'RM 3,999.00', 'https:\/\/portal.ilmure.com\/?servis=kelas3999', 'Kelas intensif 3 jam bersama Tuan Ikaz khusus untuk persediaan awal, kefahaman proses sebenar kebankrapan, dan pengurusan situasi sebelum atau selepas perintah kebankrapan.')\" class=\"pathway-card\">\r\n                    <span class=\"pathway-badge\">Kelas Intensif &bull; 3 Jam<\/span>\r\n                    <h3>Kelas Ilmu Bankrap<\/h3>\r\n                    <p class=\"pathway-desc\">Sesi bimbingan intensif selama 3 jam bersama Tuan Ikaz mengenai ilmu pra-kebankrapan dan persediaan menghadapi tindakan.<\/p>\r\n                    \r\n                    <ul class=\"pathway-list\">\r\n                        <li>Bimbingan eksklusif <b>3 jam penuh bersama Tuan Ikaz<\/b>.<\/li>\r\n                        <li>Kefahaman menyeluruh mengenai <b>Pra-Kebankrapan<\/b> dan prosedur sebenar.<\/li>\r\n                        <li>Persediaan mental, dokumentasi, dan langkah sah mengikut undang-undang.<\/li>\r\n                        <li><b>Manfaat:<\/b> Elakkan kesilapan teknikal yang merugikan masa dan kewangan anda.<\/li>\r\n                    <\/ul>\r\n                    <div class=\"pathway-btn\">DAFTAR KELAS ILMU BANKRAP<\/div>\r\n                <\/a>\r\n\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <!-- 3.5. PODCAST & KISAH BENAR YOUTUBE SECTION (BARU) -->\r\n    <section class=\"podcast-lux\" id=\"podcast-ikaz\">\r\n        <div class=\"container-lux\">\r\n            <div class=\"section-title\">\r\n                <span>Podcast & Dokumentari Eksklusif<\/span>\r\n                <h2>Kisah Benar & Panduan <em>Bebas Bankrap<\/em><\/h2>\r\n                <p class=\"podcast-subtitle\">Tonton kupasan strategi perundangan bersama Tuan Ikaz serta pengakuan sebenar klien kami yang telah berjaya keluar daripada belenggu kebankrapan.<\/p>\r\n            <\/div>\r\n\r\n            <div class=\"podcast-cinema-grid\">\r\n                \r\n                <!-- PEMAIN VIDEO UTAMA (KIRI) -->\r\n                <div class=\"podcast-main-stage\">\r\n                    <div class=\"podcast-video-frame\" id=\"ilmureYtFrame\" onclick=\"playIlmureVideo()\">\r\n                        <div class=\"podcast-video-cover\" id=\"ilmureYtCover\">\r\n                            <img decoding=\"async\" id=\"ilmureYtThumb\" src=\"https:\/\/i.ytimg.com\/vi\/zYh8redG-LA\/hqdefault.jpg\" alt=\"CARA BATAL KES BANKRAP! | Borak Santai Tuan Ikaz\">\r\n                            <div class=\"podcast-play-overlay\">\r\n                                <div class=\"podcast-play-btn\" aria-label=\"Mainkan Video\">\r\n                                    <svg viewBox=\"0 0 24 24\"><path d=\"M8 5v14l11-7z\"\/><\/svg>\r\n                                <\/div>\r\n                                <span class=\"podcast-play-label\">Klik Untuk Tonton Episod<\/span>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"podcast-stage-info\">\r\n                        <div class=\"podcast-stage-meta\">\r\n                            <span class=\"podcast-stage-badge\" id=\"ilmureYtBadge\">Borak Santai Eksklusif<\/span>\r\n                            <span class=\"podcast-stage-channel\">\ud83c\udf99\ufe0f Saluran Rasmi: <strong>@TuanIkaz<\/strong><\/span>\r\n                        <\/div>\r\n                        <h3 id=\"ilmureYtTitle\">CARA BATAL KES BANKRAP! | Borak Santai Tuan Ikaz<\/h3>\r\n                        <p id=\"ilmureYtDesc\">Kupasan santai tetapi padat bersama Tuan Ikaz mengenai langkah dan prosedur sebenar membatalkan kes kebankrapan mengikut lunas undang-undang.<\/p>\r\n\r\n                        <!-- BUTANG PROMOSI & REACH YOUTUBE -->\r\n                        <div class=\"podcast-promo-actions\">\r\n                            <a id=\"ilmureYtDirectLink\" href=\"https:\/\/youtu.be\/zYh8redG-LA?si=oZvHG5xFUiXZ97Eo\" target=\"_blank\" rel=\"noopener\" class=\"btn-yt-watch\">\r\n                                \u25b6 Buka & Like Di Aplikasi YouTube\r\n                            <\/a>\r\n                            <a href=\"https:\/\/www.youtube.com\/@TuanIkaz?sub_confirmation=1\" target=\"_blank\" rel=\"noopener\" class=\"btn-yt-sub\">\r\n                                \ud83d\udd14 Subscribe @TuanIkaz\r\n                            <\/a>\r\n                            <a id=\"ilmureWaShare\" href=\"https:\/\/api.whatsapp.com\/send?text=Tonton%20perkongsian%20Tuan%20Ikaz%20mengenai%20Cara%20Batal%20Kes%20Bankrap%3A%20https%3A%2F%2Fyoutu.be%2FzYh8redG-LA%3Fsi%3DoZvHG5xFUiXZ97Eo\" target=\"_blank\" rel=\"noopener\" class=\"btn-wa-share\">\r\n                                Kongsi (WhatsApp)\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n\r\n                <!-- SENARAI VIDEO & PODCAST (KANAN - AUTO-SYNC DARI YOUTUBE @TuanIkaz) -->\r\n                <div class=\"podcast-playlist-box\">\r\n                    <div class=\"playlist-header\">\r\n                        <span>Senarai Episod Penuh<\/span>\r\n                        <small id=\"playlistCountLabel\">Memuatkan Video Terkini...<\/small>\r\n                    <\/div>\r\n\r\n                    <div class=\"playlist-items\" id=\"playlistItems\">\r\n                        <!-- VIDEO 1 (DEFAULT FEATURED) -->\r\n                        <button type=\"button\" class=\"ep-card active\" onclick=\"selectIlmureEp(this, 'zYh8redG-LA', 'https:\/\/youtu.be\/zYh8redG-LA', 'Pilihan Utama', 'CARA BATAL KES BANKRAP! | Borak Santai Tuan Ikaz', 'Kupasan santai tetapi padat bersama Tuan Ikaz mengenai langkah dan prosedur sebenar membatalkan kes kebankrapan mengikut lunas undang-undang.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/zYh8redG-LA\/hqdefault.jpg\" alt=\"CARA BATAL KES BANKRAP!\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Pilihan Utama<\/span>\r\n                                <h4 class=\"ep-title\">CARA BATAL KES BANKRAP! | Borak Santai Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Panduan Pembatalan Kes Bersama Tuan Ikaz<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 2 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'Uui7AEz3ZKI', 'https:\/\/youtu.be\/Uui7AEz3ZKI', 'Episod Terkini', 'BANKRAP AKIBAT MENJADI PENJAMIN | Perbincangan Tuan Ikaz', 'Kupasan mendalam mengenai risiko dan penyelesaian undang-undang bagi individu yang bankrap akibat menjadi penjamin sosial atau korporat.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/Uui7AEz3ZKI\/hqdefault.jpg\" alt=\"Bankrap Akibat Menjadi Penjamin\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Episod Terkini<\/span>\r\n                                <h4 class=\"ep-title\">BANKRAP AKIBAT MENJADI PENJAMIN | Perbincangan Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Isu &amp; Hak Penjamin di Bawah Akta Insolvensi<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 3 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'tPsyxv5SYZk', 'https:\/\/youtu.be\/tPsyxv5SYZk', 'Episod Terkini', 'CARA URUS KES BANKRAP | Perbincangan bersama Tuan Ikaz', 'Langkah demi langkah tatacara menguruskan fail kebankrapan di Jabatan Insolvensi Malaysia secara teratur.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/tPsyxv5SYZk\/hqdefault.jpg\" alt=\"Cara Urus Kes Bankrap\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Episod Terkini<\/span>\r\n                                <h4 class=\"ep-title\">CARA URUS KES BANKRAP | Perbincangan bersama Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Prosedur Pengurusan Kes Bersama Tuan Ikaz<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 4 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, '4Q9-_r6V474', 'https:\/\/youtu.be\/4Q9-_r6V474', 'Episod Terkini', 'TAK BANKRAP TAPI ASET KENA SITA? | GARNISHEE PROCEEDING', 'Penjelasan perundangan mengenai tindakan prosiding garnishee dan sitaan aset sebelum atau semasa tindakan mahkamah.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/4Q9-_r6V474\/hqdefault.jpg\" alt=\"Garnishee Proceeding\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Episod Terkini<\/span>\r\n                                <h4 class=\"ep-title\">TAK BANKRAP TAPI ASET KENA SITA? | GARNISHEE PROCEEDING<\/h4>\r\n                                <p class=\"ep-sub\">Kupasan Sitaan Aset &amp; Hak Undang-Undang<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 5 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, '4ELQflVCZq4', 'https:\/\/youtu.be\/4ELQflVCZq4', 'Episod Terkini', 'BANKRAP LEBIH RM1JUTA?!!! | Bincang bersama Tuan Ikaz', 'Bagaimana menyelesaikan kebankrapan dengan jumlah hutang (POD) bernilai jutaan ringgit melalui kaedah Seksyen 33A atau 105.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/4ELQflVCZq4\/hqdefault.jpg\" alt=\"Bankrap Lebih RM1 Juta\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Episod Terkini<\/span>\r\n                                <h4 class=\"ep-title\">BANKRAP LEBIH RM1JUTA?!!! | Bincang bersama Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Strategi Pelepasan Kes Hutang Melebihi RM 1 Juta<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 6 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'zk5W2sgBzEo', 'https:\/\/youtu.be\/zk5W2sgBzEo', 'Podcast \u2022 Ep 1', 'Cara Bebas Bankrap | Ep1 Tuan Ikaz', 'Mengupas laluan dan prosedur sebenar bagaimana individu berstatus bankrap boleh bebas secara sah bersama Tuan Ikaz.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/zk5W2sgBzEo\/hqdefault.jpg\" alt=\"Cara Bebas Bankrap Ep1\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Podcast \u2022 Ep 1<\/span>\r\n                                <h4 class=\"ep-title\">Cara Bebas Bankrap | Ep1 Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Cara Bebas Bankrap Sebenar bersama Tuan Ikaz<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 7 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'uZ5XzZ-Vz7k', 'https:\/\/youtu.be\/uZ5XzZ-Vz7k', 'Podcast \u2022 Ep 2', 'Saya Juga Pernah Bankrap | Ep2 Tuan Ikaz', 'Kisah dan pengalaman sebenar Tuan Ikaz sendiri bangkit daripada belenggu kebankrapan.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/uZ5XzZ-Vz7k\/hqdefault.jpg\" alt=\"Saya Juga Pernah Bankrap Ep2\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Podcast \u2022 Ep 2<\/span>\r\n                                <h4 class=\"ep-title\">Saya Juga Pernah Bankrap | Ep2 Tuan Ikaz<\/h4>\r\n                                <p class=\"ep-sub\">Kisah Sebenar Tuan Ikaz Bangkit Dari Bankrap<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 8 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'sE0_EHgJGxw', 'https:\/\/youtu.be\/sE0_EHgJGxw', 'Kisah Benar \u2022 Ep 3', 'Kisah Benar Bebas Bankrap | Ep3 Capt, Rinto dan Isteri', 'Perkongsian jujur dan menyentuh hati daripada Capt Rinto dan isteri mengenai perjalanan pelepasan mereka.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/sE0_EHgJGxw\/hqdefault.jpg\" alt=\"Kisah Benar Bebas Bankrap Ep3\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Kisah Benar \u2022 Ep 3<\/span>\r\n                                <h4 class=\"ep-title\">Kisah Benar Bebas Bankrap | Ep3 Capt, Rinto dan Isteri<\/h4>\r\n                                <p class=\"ep-sub\">&ldquo;Saya tak sangka boleh bebas bankrap...&rdquo;<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n\r\n                        <!-- VIDEO 9 -->\r\n                        <button type=\"button\" class=\"ep-card\" onclick=\"selectIlmureEp(this, 'diQPn1bTA1U', 'https:\/\/youtu.be\/diQPn1bTA1U', 'Kisah Benar \u2022 Ep 4', 'Kisah Benar Bebas Bankrap | Ep4 Tuan M', 'Pengalaman sebenar Tuan M bersama Tuan Ikaz dalam merungkai kemelut kebankrapan sehingga berjaya.')\">\r\n                            <div class=\"ep-thumb\">\r\n                                <img decoding=\"async\" src=\"https:\/\/i.ytimg.com\/vi\/diQPn1bTA1U\/hqdefault.jpg\" alt=\"Kisah Benar Bebas Bankrap Ep4\" loading=\"lazy\">\r\n                                <div class=\"ep-thumb-play\"><span>\u25b6<\/span><\/div>\r\n                            <\/div>\r\n                            <div class=\"ep-info\">\r\n                                <span class=\"ep-tag\">Kisah Benar \u2022 Ep 4<\/span>\r\n                                <h4 class=\"ep-title\">Kisah Benar Bebas Bankrap | Ep4 Tuan M<\/h4>\r\n                                <p class=\"ep-sub\">&ldquo;Rupanya ada jalan keluar...&rdquo; &mdash; Kisah Tuan M<\/p>\r\n                            <\/div>\r\n                        <\/button>\r\n                    <\/div>\r\n                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <!-- BANNER KEMPEN SUBSCRIBE YOUTUBE -->\r\n            <div class=\"yt-channel-banner\">\r\n                <div class=\"yt-channel-text\">\r\n                    <h4>Ikuti Perkongsian & Episod Baharu Di YouTube Rasmi<\/h4>\r\n                    <p>Jangan ketinggalan menonton kupasan kes sebenar, tips insolvensi, dan soal jawab bersama Tuan Ikaz setiap minggu.<\/p>\r\n                <\/div>\r\n                <a href=\"https:\/\/www.youtube.com\/@TuanIkaz?sub_confirmation=1\" target=\"_blank\" rel=\"noopener\" class=\"hero-btn\" style=\"padding: 0.95rem 2.2rem; font-size: 0.85rem; animation: none;\">\r\n                    Langgan Saluran YouTube @TuanIkaz\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <!-- 4. FAQ SECTION (INDEXING & SEO GOLDMINE) -->\r\n    <section class=\"faq-lux\">\r\n        <div class=\"container-lux faq-container\">\r\n            <div class=\"section-title\">\r\n                <span>Persoalan Biasa<\/span>\r\n                <h2>Soalan Lazim (FAQ) Kebankrapan<\/h2>\r\n            <\/div>\r\n            \r\n            <details class=\"faq-item\">\r\n                <summary>Berapa lama tempoh masa bagi carian rasmi dan pengurusan permohonan?<\/summary>\r\n                <p>Bagi <strong>Carian Rasmi Status Kebankrapan (RM 100)<\/strong>, keputusan pengesahan status sama ada individu tersebut bankrap atau tidak akan diperoleh dalam masa <strong>24 jam selepas bayaran dijelaskan<\/strong>. Bagi semua perkhidmatan pengurusan dokumentasi lain, tiada tempoh tetap yang boleh dijanjikan kerana ia tertakluk sepenuhnya kepada proses semakan dan maklum balas daripada pihak Jabatan Insolvensi Malaysia (MdI).<\/p>\r\n            <\/details>\r\n            \r\n            <details class=\"faq-item\">\r\n                <summary>Bolehkah individu bankrap membuka akaun bank?<\/summary>\r\n                <p>Boleh. Walaupun status anda disekat, anda masih layak memohon kebenaran daripada Jabatan Insolvensi Malaysia (MdI) untuk membuka akaun simpanan bagi tujuan penerimaan gaji dan sara hidup. Kami membantu menyediakan draf surat permohonan dan dokumen sokongan lengkap mengikut tertib prosedur MdI.<\/p>\r\n            <\/details>\r\n\r\n            <details class=\"faq-item\">\r\n                <summary>Adakah saya boleh ke luar negara jika berstatus bankrap?<\/summary>\r\n                <p>Secara asasnya perjalanan ke luar negara disekat. Namun, kebenaran bersyarat boleh dipohon kepada Ketua Pengarah Insolvensi (KPI) untuk tujuan rasmi pekerjaan, rawatan perubatan, atau ibadah (Umrah\/Haji). Kami membantu menguruskan kertas kerja permohonan dan penyelarasan dokumen sokongan anda kepada pihak MdI.<\/p>\r\n            <\/details>\r\n\r\n            <details class=\"faq-item\">\r\n                <summary>Apa beza Pelepasan Seksyen 33A dan Pelepasan Automatik 33C?<\/summary>\r\n                <p><strong>Seksyen 33A<\/strong> membolehkan permohonan pelepasan dikemukakan selepas <strong>5 tahun<\/strong> ditadbir oleh MdI, tertakluk kepada budi bicara Ketua Pengarah Insolvensi (KPI) serta proses bantahan pemiutang (mengikut skala jumlah hutang \/ POD). Manakala <strong>Seksyen 33C<\/strong> adalah laluan pelepasan selepas <strong>3 tahun<\/strong> (dari tarikh serahan PHE) khusus untuk kes dengan <strong>jumlah hutang (POD) di bawah RM 1,000,000 sahaja<\/strong>, tertakluk kepada pencapaian <em>Target Contribution<\/em> dan kepatuhan laporan.<\/p>\r\n            <\/details>\r\n\r\n            <details class=\"faq-item\">\r\n                <summary>Adakah status bankrap saya menjejaskan pasangan dan keluarga?<\/summary>\r\n                <p>Tidak. Tindakan kebankrapan adalah bersifat peribadi (individu). Profil kewangan, rekod CCRIS, atau akaun bank isteri\/suami dan ahli keluarga anda sama sekali tidak akan terjejas. Pengecualian hanya berlaku sekiranya mereka merupakan penjamin (<em>guarantor<\/em>) kepada pinjaman anda, atau ia adalah pinjaman nama bersama (<em>joint loan<\/em>).<\/p>\r\n            <\/details>\r\n\r\n            <details class=\"faq-item\">\r\n                <summary>Apakah status baki hutang selepas saya dilepaskan (Discharge)?<\/summary>\r\n                <p>Sebaik sahaja anda menerima Sijil Pelepasan Kebankrapan, anda akan dibebaskan secara rasmi daripada semua hutang yang dibuktikan di dalam kebankrapan tersebut. Bagaimanapun, pelepasan ini tidak merangkumi hutang tertentu yang dikecualikan di bawah undang-undang, seperti hutang kepada Kerajaan (contoh: cukai LHDN), denda jenayah, atau hutang nafkah keluarga.<\/p>\r\n            <\/details>\r\n\r\n            <details class=\"faq-item\">\r\n                <summary>Apakah peranan Ilmu Mutiara Rebranding Sdn. Bhd. dalam membantu kes saya?<\/summary>\r\n                <p><strong>ILMU MUTIARA REBRANDING SDN. BHD.<\/strong> adalah sebuah syarikat Sdn. Bhd. yang berpengalaman menguruskan lebih 150 kes dokumentasi kebankrapan. Kami menyediakan perkhidmatan berbayar untuk membantu anda menyusun kertas kerja, penyata kewangan, dan surat permohonan rasmi kepada Jabatan Insolvensi Malaysia (MdI) dengan teratur dan tepat. Semua maklumat pelanggan dijamin <strong>100% P&amp;C (Private &amp; Confidential)<\/strong>, dan setiap transaksi bayaran adalah muktamad serta tidak boleh dipulangkan (<em>non-refundable<\/em>).<\/p>\r\n            <\/details>\r\n\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <!-- 5. BOTTOM CTA -->\r\n    <section class=\"cta-bottom container-lux\" style=\"width: 100%; max-width: 100%; padding: 6rem 1rem;\">\r\n        <h2>Jangan Biarkan Status Bankrap Menghalang Potensi Anda.<\/h2>\r\n        <p style=\"color: var(--text-muted); margin-bottom: 2rem;\">Berurusan bersama syarikat kami hari ini. Segala maklumat kes anda dijamin 100% P&amp;C (Private &amp; Confidential).<\/p>\r\n        <a href=\"https:\/\/portal.ilmure.com\/\" onclick=\"return bukaPopupYuranServis(event, &#039;Penilaian &amp; Pengurusan Kes Kebankrapan&#039;, &#039;RM 100 \/ RM 500 \/ RM 1,500 \/ RM 3,999 (Mengikut Pilihan Servis)&#039;, &#039;https:\/\/portal.ilmure.com\/&#039;, &#039;Semua transaksi pembayaran adalah MUKTAMAD dan TIDAK BOLEH DIPULANGKAN (Non-Refundable). Dijamin 100% P&amp;C (Private &amp; Confidential).&#039;)\" class=\"hero-btn\" style=\"animation: none;\">Mulakan Urusan Sekarang<\/a>\r\n    <\/section>\r\n\r\n    <!-- 6. 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BHD. (202601042628 \/ 1704723-D) ialah sebuah syarikat swasta penyedia perkhidmatan pengurusan dokumentasi kebankrapan dan penyediaan penyata kewangan. Kami BUKAN firma guaman, tidak memberikan nasihat perundangan, dan TIDAK mempunyai sebarang kaitan rasmi atau mewakili Jabatan Insolvensi Malaysia (MdI) atau mana-mana agensi kerajaan. Sebarang tempoh masa dan keputusan kelulusan permohonan adalah tertakluk 100% kepada budi bicara pihak Jabatan Insolvensi Malaysia.\r\n            <\/div>\r\n\r\n            <div style=\"text-align:center; margin-top:1.5rem; font-size:0.72rem; color:#4b5563;\">\r\n                &copy; 2026 ILMU MUTIARA REBRANDING SDN. BHD. 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BHD.\r\n        <\/p>\r\n\r\n        <div style=\"font-size:0.76rem; color:#9ca3af; line-height:1.55; margin-bottom:1.4rem; padding:0.65rem 0.85rem; background:#121212; border-radius:6px; border:1px solid rgba(255,255,255,0.06);\">\r\n            <strong style=\"color:#e6ce8a;\">Syarat Penting:<\/strong> Semua perkhidmatan kami adalah <strong>berbayar<\/strong>. Setiap transaksi pembayaran adalah <strong>MUKTAMAD &amp; TIDAK BOLEH DIPULANGKAN (Non-Refundable)<\/strong>. Segala maklumat pelanggan dijamin <strong>100% P&amp;C (Private &amp; Confidential)<\/strong>.\r\n        <\/div>\r\n\r\n        <div style=\"display:flex; flex-direction:column; gap:10px;\">\r\n            <a id=\"ilmureClickModalProceed\" href=\"https:\/\/portal.ilmure.com\/\" style=\"display:block; text-align:center; background:linear-gradient(135deg, #e6ce8a 0%, #c2a661 100%); color:#050505; font-weight:800; font-size:0.82rem; text-transform:uppercase; letter-spacing:1.2px; padding:0.95rem 1rem; border-radius:6px; text-decoration:none;\">\r\n                &#10003; Saya Faham &amp; Setuju &mdash; Teruskan Ke Borang Rasmi\r\n            <\/a>\r\n            <button type=\"button\" onclick=\"tutupPopupYuranServis()\" style=\"background:transparent; border:1px solid rgba(255,255,255,0.14); color:#9ca3af; padding:0.7rem; border-radius:6px; font-size:0.78rem; cursor:pointer;\">\r\n                Kembali Semula\r\n            <\/button>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n    function bukaPopupYuranServis(evt, serviceTitle, priceText, targetUrl, extraNote) {\r\n        if (evt) evt.preventDefault();\r\n        var modal = document.getElementById('ilmureClickFeeModal');\r\n        if (!modal) {\r\n            window.location.href = targetUrl || 'https:\/\/portal.ilmure.com\/';\r\n            return false;\r\n        }\r\n        document.getElementById('ilmureClickModalTitle').textContent = serviceTitle || 'Perkhidmatan Pengurusan Kebankrapan';\r\n        document.getElementById('ilmureClickModalPrice').textContent = priceText || 'RM 3,999.00';\r\n        document.getElementById('ilmureClickModalNote').textContent = extraNote || 'Perkhidmatan pengurusan dokumentasi kebankrapan oleh ILMU MUTIARA REBRANDING SDN. 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Kami Rangka Pelan Pelepasan Anda. Berpengalaman sejak 2013 menguruskan fail insolvensi. Kami membantu merangka penyata kewangan, draf rayuan, dan permohonan pelepasan rasmi kepada Jabatan Insolvensi Malaysia (MdI) secara profesional, telus, dan 100% P&amp;C (Private &amp; Confidential). Semak Kelayakan &amp; Daftar Kes Perkhidmatan berbayar &middot; Carian Status [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1862","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/pages\/1862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/comments?post=1862"}],"version-history":[{"count":55,"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/pages\/1862\/revisions"}],"predecessor-version":[{"id":2350,"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/pages\/1862\/revisions\/2350"}],"wp:attachment":[{"href":"https:\/\/ilmure.com\/index.php\/wp-json\/wp\/v2\/media?parent=1862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}