CARA BUAT ICON & FAVICON:

1. Icon 192x192 & 512x512:
   - Canva.com
   - Gradient ungu #667eea → #764ba2
   - Emoji 💰 + Text "S&E"

2. Favicon 32x32 & 16x16:
   - favicon.io
   - Upload icon 512
   - Download favicon-32.png & favicon-16.png

Upload semua ke root!
