@import url('https://fonts.googleapis.com/css2?family=Instrument+Sans:wght@400;500;600;700&display=swap');
:root{--blue:#00326f;--orange:#f15a24;--ink:#101923;--muted:#475467;--paper:#f3f3f0;--white:#fff;--line:#cdd4da;--page:1240px;--pattern-light:url('/assets/images/motif-light.svg?v=3');--pattern-blue:url('/assets/images/motif-blue.svg?v=3');--pattern-fade:linear-gradient(90deg,#f3f3f0 8%,rgba(243,243,240,.97) 42%,rgba(243,243,240,.84) 100%)}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--white);color:var(--ink);font:400 16px/1.65 'Instrument Sans',Arial,sans-serif;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
[hidden]{display:none!important}
.container{width:min(var(--page),calc(100% - 72px));margin-inline:auto}
h1,h2,h3,h4,p{margin-top:0}
h1,h2,h3,h4,.melac-proof-item strong,.photo-card strong{font-family:'Instrument Sans',Arial,sans-serif;line-height:1.08;letter-spacing:-.035em}
h1{font-size:clamp(46px,5.8vw,84px);font-weight:500}
h2{font-size:clamp(36px,4.1vw,60px);font-weight:500}
h3{font-size:clamp(23px,2.2vw,32px);font-weight:500}
p{color:var(--muted)}
section{padding:116px 0}
.eyebrow,.finder-kicker,.finder-options>span,.footer-title{display:block;color:var(--orange);font:700 11px/1.3 'Instrument Sans',Arial,sans-serif;letter-spacing:.17em;text-transform:uppercase;margin-bottom:28px}
.eyebrow:before{content:'■';font-size:8px;margin-right:12px;vertical-align:2px}
.btn{min-height:52px;display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:13px 23px;border:1px solid var(--ink);border-radius:2px;background:transparent;color:var(--ink);font-weight:700;font-size:14px;line-height:1.2;transition:background .2s,color .2s,transform .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--orange);border-color:var(--orange);color:#fff}
.btn-primary:hover{background:#d84a18;border-color:#d84a18}
.btn-outline-dark{border-color:var(--blue);color:var(--blue)}
.btn-outline-dark:hover{background:var(--blue);color:#fff}
.btn-light{background:#fff;border-color:#fff;color:var(--blue)}
.text-link{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:var(--blue);border-bottom:1px solid currentColor;padding-bottom:4px}

/* Navigation: a quiet editorial frame, not a floating UI layer. */
.topbar{background:var(--blue);color:#e8eff7;font-size:12px}
.topbar .container{min-height:32px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.topbar-links{display:flex;gap:25px;flex-wrap:wrap}
.navbar{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:block;flex:none}
.brand img{width:166px;height:auto}
.nav-links{display:flex;align-items:center;gap:25px;font-size:13px;font-weight:500}
.nav-links>a:not(.btn),.nav-dropdown-toggle{display:inline-flex;align-items:center;min-height:48px;color:var(--ink);border:0;background:none;padding:0;white-space:nowrap;font-weight:500}
.nav-links>a.active:not(.btn),.nav-links>a:hover:not(.btn),.nav-dropdown-toggle:hover{color:var(--orange)}
.nav-links>.btn{margin-left:5px}
.menu-btn{display:none;border:0;background:none;color:var(--blue);font-size:28px;line-height:1}
.nav-dropdown{position:relative}
.chevron{font-size:8px;margin-left:8px;display:inline-block;transition:transform .25s ease}
.nav-dropdown.open .chevron{transform:rotate(180deg)}
.nav-dropdown-menu{position:absolute;top:100%;left:50%;transform:translate(-50%,12px);width:min(830px,90vw);background:#fff;border:1px solid var(--line);border-top:3px solid var(--orange);z-index:80;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .25s ease,transform .35s cubic-bezier(.2,.8,.2,1),visibility .25s}
.nav-dropdown.open .nav-dropdown-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
.loan-menu-head{display:flex;align-items:center;justify-content:space-between;padding:27px 31px;background:var(--paper);border-bottom:1px solid var(--line)}
.loan-menu-head span{display:block;color:var(--orange);font-size:11px;text-transform:uppercase;letter-spacing:.12em}
.loan-menu-head strong{display:block;margin-top:5px;font:500 24px/1.2 'Instrument Sans',Arial,sans-serif;color:var(--blue)}
.loan-menu-head a{color:var(--blue);font-size:13px;font-weight:700;border-bottom:1px solid var(--blue);padding-bottom:4px}
.loan-menu-head a:hover{color:var(--orange);border-color:var(--orange)}
.loan-menu-grid{display:grid;grid-template-columns:repeat(5,1fr)}
.loan-menu-item{min-height:116px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;gap:12px;padding:20px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);font-size:13px;font-weight:600;line-height:1.3;transition:background .2s ease,color .2s ease,padding .25s ease}
.loan-menu-item:nth-child(5n){border-right:0}
.loan-menu-item:nth-last-child(-n+5){border-bottom:0}
.loan-menu-item:hover,.loan-menu-item:focus-visible{background:#eef3f7;color:var(--blue);padding-left:25px}
.loan-menu-icon svg{width:29px;height:29px;fill:none;stroke:var(--blue);stroke-width:1.6;transition:stroke .2s ease,transform .25s ease}
.loan-menu-item:hover .loan-menu-icon svg{stroke:var(--orange);transform:translateY(-2px)}
.mobile-nav-backdrop{display:none}

/* Home: image and copy form a single horizontal composition. */
.home-slider{padding:0;position:relative;background:var(--paper)}
.home-slide{display:none}
.home-slide.active{display:block;animation:slideIn .55s ease both}
@keyframes slideIn{from{opacity:.25;transform:translateY(8px)}to{opacity:1;transform:none}}
.full-image-hero{min-height:570px;background:var(--paper);position:relative;display:grid;grid-template-columns:1fr 1fr;overflow:hidden}
.full-image-hero:before{content:'';position:absolute;inset:0 50% 0 0;background:var(--pattern-light) right center/auto 100% no-repeat;mask-image:linear-gradient(90deg,transparent,#000);opacity:.72;pointer-events:none}
.full-image-hero:after{content:'';grid-column:2;grid-row:1;background:var(--slide-image) center/cover no-repeat;min-height:570px}
.full-image-hero-inner{grid-column:1;grid-row:1;display:flex;align-items:center;margin:0;justify-self:end;width:min(100%,620px);padding:46px 52px 80px 36px;position:relative;z-index:1}
.full-image-hero-copy{width:100%}
.full-image-hero-copy h1{font-size:clamp(50px,4.6vw,70px);font-weight:500;max-width:600px;margin:0 0 26px;color:var(--blue)}
.full-image-hero-copy p{max-width:465px;font-size:17px;line-height:1.65;margin-bottom:0;color:#314154}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.full-image-hero-copy .btn-outline{border-color:var(--blue);color:var(--blue)}
.full-image-hero-copy .btn-outline:hover{background:var(--blue);color:#fff}
.home-slider-controls{position:absolute;left:max(36px,calc((100% - var(--page))/2));bottom:22px;z-index:5;display:flex;align-items:center;gap:28px}
.home-slider-arrow{border:0;background:none;color:var(--blue);font:400 32px/1 'Instrument Sans',Arial,sans-serif;padding:2px 5px}
.home-slider-arrow:hover{color:var(--orange)}
.home-slider-dots{display:flex;gap:7px;align-items:center}
.home-slider-dot{width:22px;height:3px;border:0;background:#b5c1ce;padding:0}
.home-slider-dot.active{background:var(--orange);width:42px}
.melac-proof{width:100%;max-width:none;background:var(--blue) var(--pattern-blue) right center/auto 90% no-repeat}
.melac-proof-inner{width:min(var(--page),calc(100% - 72px));margin:auto;display:grid;grid-template-columns:repeat(3,1fr)}
.melac-proof-item{padding:34px 42px 35px 0;border-right:1px solid rgba(255,255,255,.22)}
.melac-proof-item+ .melac-proof-item{padding-left:42px}
.melac-proof-item:last-child{border:0}
.melac-proof-item strong{display:block;color:#fff;font-size:30px;font-weight:500;margin-bottom:6px}
.melac-proof-item span{display:block;color:#d4e2ef;font-size:13px;line-height:1.5}

/* Product guide: tabs act as a list, details stay open and readable. */
.loan-finder{background:#fff}
.loan-finder-head,.section-head{display:grid;grid-template-columns:1.25fr .75fr;align-items:end;gap:80px;margin-bottom:60px}
.loan-finder-head h2,.section-head h2,.copy h2,.journey-intro h2{margin-bottom:0}
.loan-finder-head>p,.section-head>p{max-width:450px;font-size:18px;margin:0 0 5px}
.loan-finder-shell{display:grid;grid-template-columns:245px 1fr;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.loan-finder-tabs{display:flex;flex-direction:column;border-right:1px solid var(--line)}
.loan-finder-tab{display:flex;align-items:center;gap:16px;width:100%;min-height:83px;padding:18px 21px;background:#fff;border:0;border-bottom:1px solid var(--line);text-align:left;color:var(--ink);font-weight:600}
.loan-finder-tab:last-child{border-bottom:0}
.loan-finder-tab:hover,.loan-finder-tab.active{background:var(--paper);color:var(--blue)}
.loan-finder-tab.active{border-left:4px solid var(--orange);padding-left:17px}
.finder-tab-icon{display:grid;place-items:center;width:32px;height:32px;color:var(--blue)}
.finder-tab-icon svg{width:28px;height:28px;fill:none;stroke:currentColor;stroke-width:1.7}
.finder-tab-icon strong{font-size:24px;font-weight:400}
.loan-finder-panel{display:none;grid-template-columns:1fr .9fr;min-height:500px}
.loan-finder-panel.active{display:grid}
.finder-copy{background:var(--paper);padding:67px 53px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center}
.finder-copy h3{font-size:clamp(34px,3.1vw,46px);color:var(--blue);margin:0 0 20px}
.finder-copy p{max-width:410px;font-size:16px;margin:0 0 30px}
.finder-kicker{margin-bottom:22px}
.finder-options{padding:66px 38px;display:flex;flex-direction:column;justify-content:center;gap:0}
.finder-options>span{margin:0 0 13px}
.finder-options a{display:grid;grid-template-columns:1fr auto;gap:2px 12px;padding:19px 0;border-top:1px solid var(--line)}
.finder-options a:hover b,.finder-options a:hover i{color:var(--orange)}
.finder-options b{font-size:15px;color:var(--blue)}
.finder-options small{grid-column:1;font-size:12px;color:var(--muted)}
.finder-options i{grid-column:2;grid-row:1/3;align-self:center;font-style:normal;font-size:21px;color:var(--blue)}
.loan-finder-footer{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-top:27px;font-size:14px;color:var(--muted)}

/* Editorial content, process, and calculator. */
.about-band{background:var(--paper)}
.split{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:8vw}
.photo-stack{position:relative}
.photo-stack img{width:100%;height:620px;object-fit:cover}
.local-label{position:absolute;bottom:0;left:0;background:var(--blue);color:#fff;padding:22px 27px;font-weight:700}
.local-label span{display:block;color:#cbdbea;font-size:11px;text-transform:uppercase;letter-spacing:.13em}
.copy .lead{font-size:20px;color:var(--ink)}
.copy p{max-width:570px;font-size:17px;line-height:1.8}
.copy .btn{margin-top:20px}
.melac-principles{display:flex;flex-wrap:wrap;gap:8px 20px;margin:35px 0 14px}
.melac-principles span{border-bottom:1px solid var(--blue);padding-bottom:6px;color:var(--blue);font-size:13px;font-weight:700}
.customer-journey{background:#fff}
.journey-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:12vw}
.journey-intro{position:sticky;top:125px;align-self:start}
.journey-intro p{font-size:18px;margin-top:28px}
.journey-note{font-size:14px;color:var(--blue);border-top:1px solid var(--line);padding-top:18px;margin-top:40px}
.journey-steps{counter-reset:journey}
.journey-step{counter-increment:journey;display:grid;grid-template-columns:72px 1fr;gap:12px;padding:28px 0;border-top:1px solid var(--line)}
.journey-step:last-child{border-bottom:1px solid var(--line)}
.journey-step:before{content:'0' counter(journey);color:var(--orange);font:500 26px/1 'Instrument Sans',Arial,sans-serif}
.journey-step h3{font-size:24px;margin:0 0 10px}
.journey-step p{margin:0}
.calculator{border:1px solid var(--blue);padding:42px;background:#fff}
.calculator h3{font-size:26px;color:var(--blue);margin-bottom:30px}
.calc-row{margin-bottom:27px}
.calc-row label{display:flex;justify-content:space-between;gap:16px;font-size:13px;font-weight:700;margin-bottom:14px}
.calc-row input{width:100%;accent-color:var(--orange)}
.calc-result{border-top:1px solid var(--line);padding-top:22px}
.calc-result small{color:var(--muted)}
.calc-result strong{font:500 31px/1.3 'Instrument Sans',Arial,sans-serif;color:var(--blue)}
.cta{display:flex;align-items:end;justify-content:space-between;gap:50px;background:var(--blue) var(--pattern-blue) right center/auto 90% no-repeat;padding:67px 72px;color:#fff}
.cta h2{font-size:clamp(38px,3.5vw,52px);margin:0 0 15px}
.cta p{color:#d6e2ef;margin:0;max-width:630px;font-size:17px}

/* All interior pages share one typography-led opening. */
.page-hero{background:var(--paper);padding:90px 0 104px;position:relative;overflow:hidden}
.page-hero:after{content:'';position:absolute;inset:0 0 0 auto;width:52%;background:var(--pattern-light) right center/auto 90% no-repeat;mask-image:linear-gradient(90deg,transparent,#000);opacity:.7;pointer-events:none}
.page-hero .container{position:relative;z-index:1}
.breadcrumbs{font-size:12px;color:#637082;margin-bottom:38px}
.breadcrumbs a:hover{color:var(--orange)}
.page-hero h1{max-width:960px;color:var(--blue);margin:0}
.product-hero-split{display:grid;grid-template-columns:1fr 1fr;min-height:570px;background:var(--paper);padding:0}
.product-hero-copy{display:flex;align-items:center;justify-content:flex-end;padding:60px 52px 75px 36px;position:relative;overflow:hidden}
.product-hero-copy:before{content:'';position:absolute;inset:0;background:var(--pattern-light) right center/auto 100% no-repeat;mask-image:linear-gradient(90deg,transparent,#000);opacity:.72;pointer-events:none}
.product-hero-inner{width:min(100%,580px);position:relative;z-index:1}
.product-hero-inner h1{font-size:clamp(46px,4.8vw,72px);font-weight:500;color:var(--blue);margin:0 0 23px}
.product-hero-inner .breadcrumbs{margin-bottom:55px}
.product-lead{max-width:480px;color:#314154;font-size:17px;line-height:1.65}
.product-hero-inner .btn{margin-top:16px}
.product-hero-image{background:var(--product-image) center/cover no-repeat;min-height:570px}
.detail-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,.65fr);gap:8vw}
.detail-main h2{font-size:clamp(33px,3.1vw,46px);color:var(--blue);margin-bottom:25px}
.detail-main h3{font-size:27px;color:var(--blue);margin:42px 0 18px}
.detail-main p{font-size:17px;line-height:1.78}
.feature-list{list-style:none;padding:0;margin:20px 0 35px;display:grid;grid-template-columns:1fr;gap:0}
.feature-list li{padding:14px 0 14px 28px;border-bottom:1px solid var(--line);position:relative}
.feature-list li:before{content:'✓';color:var(--orange);position:absolute;left:0;font-weight:700}
.side-card{background:var(--paper);padding:36px;align-self:start;position:sticky;top:110px;border-top:4px solid var(--orange)}
.side-card h3{font-size:28px;color:var(--blue);margin-bottom:16px}
.side-card p{margin-bottom:20px}
.side-contact{margin-top:16px}
.section-head.center{display:block;text-align:center;max-width:850px;margin:0 auto 54px}
.section-head.center p{max-width:650px;margin:20px auto 0}
.steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);counter-reset:step}
.step{counter-increment:step;padding:36px 25px 20px 0;margin-right:25px;border-right:1px solid var(--line)}
.step:last-child{border:0}
.step:before{content:'0' counter(step);display:block;color:var(--orange);font:500 40px/1 'Instrument Sans',Arial,sans-serif;margin-bottom:55px}
.step h3{font-size:22px;color:var(--blue);margin-bottom:12px}
.step p{margin:0;font-size:14px}

/* Product directory is a ruled catalogue, not a stack of cards. */
.product-list{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}
.loan-card{display:grid;grid-template-columns:70px 1fr;align-items:start;gap:18px;padding:33px 30px 33px 0;border-bottom:1px solid var(--line);min-height:190px}
.loan-card .loan-icon{grid-column:1;grid-row:1/4}
.loan-card h3,.loan-card p,.loan-card .text-link{grid-column:2}
.loan-card:nth-child(odd){border-right:1px solid var(--line)}
.loan-card:nth-child(even){padding-left:30px}
.loan-icon{width:58px;height:58px;color:var(--blue)}
.loan-icon svg,.loan-icon img{width:52px;height:52px;object-fit:contain;fill:none;stroke:currentColor;stroke-width:1.7}
.loan-card h3{font-size:25px;color:var(--blue);margin:0 0 8px}
.loan-card p{font-size:14px;margin:0 0 18px}
.product-details-link{display:inline-flex;gap:8px;color:var(--orange);font-size:13px;font-weight:700}
.loan-card:before{display:none}
.why-melac-section{background:var(--paper)}
.why-melac-panel{display:grid;grid-template-columns:1fr 1fr}
.why-melac-intro{padding:60px;background:var(--blue) var(--pattern-blue) right center/auto 90% no-repeat;color:#fff}
.why-melac-intro h2{font-size:clamp(36px,3.5vw,50px)}
.why-melac-intro p{color:#d4e1ee}
.why-melac-benefits{display:grid;grid-template-columns:1fr 1fr;background:#fff}
.why-benefit{padding:33px;border:1px solid var(--line)}
.why-benefit h3{font-size:21px;color:var(--blue)}
.why-icon{color:var(--orange);margin-bottom:18px}
.why-icon svg{width:35px;height:35px}
.why-cta{background:var(--blue) var(--pattern-blue) right center/auto 90% no-repeat;color:#fff;padding:52px 60px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.why-cta h2{font-size:36px;margin:0}
.why-link{color:#fff;border-bottom:1px solid currentColor;padding-bottom:5px}

/* About, service, team, career, and form patterns. */
.values{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}
.value{padding:35px 30px 35px 0;margin-right:30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.value:nth-child(3n){border-right:0}
.value h3{font-size:25px;color:var(--blue);margin-bottom:15px}
.value p{margin:0;font-size:15px}
.value .loan-icon{margin-bottom:30px}
.checklist{display:grid;grid-template-columns:1fr 1fr;gap:12px 30px;margin:30px 0}
.check{position:relative;padding-left:27px;font-size:14px;font-weight:600}
.check:before{content:'✓';position:absolute;left:0;color:var(--orange)}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.member img{width:100%;height:360px;object-fit:cover;object-position:top}
.member-body{padding:22px 0;border-bottom:1px solid var(--line)}
.member h3{font-size:25px;margin-bottom:6px;color:var(--blue)}
.member p{color:var(--orange);font-size:13px;font-weight:700;margin:0}
.career-intro{max-width:800px}
.career-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}
.career-benefit{border-top:2px solid var(--blue);padding:26px 0}
.career-benefit h3{font-size:23px;color:var(--blue)}
.vacancy-empty{padding:45px;background:#fff;border-top:2px solid var(--orange)}
.vacancy-empty h2{font-size:35px;color:var(--blue)}
.recruitment-warning{border-left:3px solid var(--orange);padding-left:22px}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:7vw}
.contact-card{background:var(--blue) var(--pattern-blue) right center/auto 90% no-repeat;color:#fff;padding:45px}
.contact-card h2{font-size:37px}
.contact-card p{color:#d1deec}
.contact-item{padding:18px 0;border-top:1px solid rgba(255,255,255,.25)}
.form-card{border-top:2px solid var(--blue);padding:32px 0}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:21px}
.field.full{grid-column:1/-1}
.field label{display:block;margin-bottom:8px;color:var(--blue);font-size:13px;font-weight:700}
.field input,.field select,.field textarea{width:100%;padding:14px;border:1px solid #aebbc6;background:#fff;border-radius:0;color:var(--ink);outline:0}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--orange);box-shadow:0 0 0 2px rgba(241,90,36,.13)}
.notice{display:none;padding:16px;border-left:3px solid #288d4c;background:#eaf7ed;color:#176039;margin-bottom:24px}
.notice-error{border-color:#bf3d20;background:#fff0e9;color:#8c2a14}
.product-enquiry{background:var(--paper)}
.product-enquiry-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:8vw;align-items:start}
.product-enquiry-intro h2{color:var(--blue);margin-bottom:24px}
.product-enquiry-intro p{font-size:17px;max-width:450px}
.product-enquiry-intro .enquiry-disclaimer{margin-top:42px;padding-top:19px;border-top:1px solid var(--line);font-size:13px;line-height:1.6}
.product-enquiry-form{background:#fff;padding:32px;border-top:3px solid var(--orange)}
.product-enquiry-form .field label{color:var(--ink)}
.product-enquiry-form .field textarea{resize:vertical;min-height:84px}
.enquiry-privacy{margin:11px 0 0;color:var(--muted);font-size:12px;line-height:1.5;text-align:center}
.product-enquiry-form .consent-label{display:flex;align-items:flex-start;gap:10px;color:var(--muted);font-size:13px;font-weight:400}
.product-enquiry-form .consent-label input{width:auto;margin:4px 0 0;flex:none}
.product-enquiry-form .btn{width:100%}

/* One artwork per section, softened toward the reading area. */
.about-band,.finder-copy,.why-melac-section,.product-enquiry{background-color:var(--paper);background-image:var(--pattern-fade),var(--pattern-light);background-position:center,right center;background-size:cover,auto 80%;background-repeat:no-repeat}

footer{background:#101923;color:#c0cbd6;padding:80px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.35fr .7fr .8fr 1fr;gap:50px}
.footer-logo{width:190px;margin-bottom:22px}
footer p{color:#c0cbd6;font-size:14px;max-width:300px}
.footer-title{color:#fff;margin-bottom:20px}
.footer-links{display:grid;gap:12px;font-size:13px}
.footer-links a:hover{color:var(--orange)}
.copyright{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #3f4e5c;margin-top:72px;padding-top:23px;font-size:12px}
.site-credit{margin-left:auto}.site-credit a{color:#fff;border-bottom:1px solid rgba(255,255,255,.45);padding-bottom:2px}.site-credit a:hover{color:var(--orange);border-color:var(--orange)}
.whatsapp{position:fixed;right:20px;bottom:20px;width:46px;height:46px;z-index:60;display:grid;place-items:center;background:#25d366;color:#fff;border-radius:50%;box-shadow:0 4px 15px rgba(0,0,0,.15)}
.whatsapp svg{width:25px;height:25px}

@media(max-width:1120px){
 .nav-links{gap:16px}.brand img{width:145px}.nav-links{font-size:12px}
 .loan-finder-shell{grid-template-columns:205px 1fr}.finder-copy{padding:45px 35px}.finder-options{padding:40px 25px}
}
@media(max-width:900px){
 .container{width:min(var(--page),calc(100% - 48px))}section{padding:88px 0}
 .topbar .container{min-height:32px}.topbar-links span:last-child{display:none}
 .menu-btn{display:block;position:relative;width:43px;height:43px;font-size:0;z-index:60}
 .menu-btn:before,.menu-btn:after{content:'';position:absolute;left:9px;width:25px;height:2px;background:var(--blue);transition:top .3s cubic-bezier(.2,.8,.2,1),transform .3s cubic-bezier(.2,.8,.2,1)}
 .menu-btn:before{top:16px}.menu-btn:after{top:26px}
 .mobile-nav-open .menu-btn:before{top:21px;transform:rotate(45deg)}.mobile-nav-open .menu-btn:after{top:21px;transform:rotate(-45deg)}
 .nav-wrap{min-height:70px}.brand img{width:150px}
 .nav-links{display:flex;position:fixed;top:var(--mobile-menu-top,70px);left:0;right:0;background:#f7f7f4;border-bottom:1px solid var(--line);height:calc(100dvh - var(--mobile-menu-top,70px));overflow-y:auto;z-index:55;padding:24px;flex-direction:column;align-items:stretch;gap:0;font-size:17px;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-28px);transition:opacity .52s ease,transform .52s cubic-bezier(.22,1,.36,1),visibility .64s}
 .nav-links.open{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0)}
 .nav-links>*{opacity:0;transform:translateY(-14px);transition:opacity .28s ease,transform .38s cubic-bezier(.22,1,.36,1);transition-delay:var(--close-delay,0ms)}
 .nav-links.open>*{opacity:1;transform:translateY(0);transition-delay:var(--open-delay,90ms)}
 .nav-links>:nth-child(1){--open-delay:90ms;--close-delay:175ms}.nav-links>:nth-child(2){--open-delay:132ms;--close-delay:150ms}.nav-links>:nth-child(3){--open-delay:174ms;--close-delay:125ms}.nav-links>:nth-child(4){--open-delay:216ms;--close-delay:100ms}.nav-links>:nth-child(5){--open-delay:258ms;--close-delay:75ms}.nav-links>:nth-child(6){--open-delay:300ms;--close-delay:50ms}.nav-links>:nth-child(7){--open-delay:342ms;--close-delay:25ms}.nav-links>:nth-child(8){--open-delay:384ms;--close-delay:0ms}
 .nav-links>a:not(.btn),.nav-dropdown-toggle{width:100%;min-height:54px;border-bottom:1px solid var(--line);justify-content:space-between}
 .nav-links>.btn{margin:25px 0 15px;width:100%}.nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{display:none!important}
 .nav-dropdown-toggle .chevron{display:none}.nav-dropdown-toggle:after{content:'→';color:var(--orange);font-size:20px;font-weight:400}
 .mobile-nav-backdrop{display:block;position:fixed;inset:var(--mobile-menu-top,70px) 0 0;z-index:49;border:0;background:rgba(0,0,0,.18);opacity:0;visibility:hidden;pointer-events:none;transition:opacity .35s ease,visibility .35s}.mobile-nav-open .mobile-nav-backdrop{opacity:1;visibility:visible;pointer-events:auto}.mobile-nav-open{overflow:hidden}
 .full-image-hero{grid-template-columns:1fr;display:flex;flex-direction:column-reverse}.full-image-hero:after{display:block;min-height:350px}.full-image-hero-inner{width:100%;padding:46px 24px 94px}.full-image-hero-copy h1{font-size:clamp(46px,8vw,64px)}
 .home-slider-controls{left:24px;bottom:22px}.melac-proof-inner{width:calc(100% - 48px)}
 .loan-finder-head,.section-head{grid-template-columns:1fr;gap:18px}.loan-finder-shell{grid-template-columns:1fr}.loan-finder-tabs{flex-direction:row;overflow-x:auto;border-right:0;border-bottom:1px solid var(--line)}.loan-finder-tab{min-width:150px;width:auto;flex:none;border-bottom:0;border-right:1px solid var(--line);justify-content:center}.loan-finder-tab.active{border-left:0;border-bottom:3px solid var(--orange);padding-left:21px}.loan-finder-panel{min-height:0}
 .split,.journey-layout,.detail-grid,.contact-grid{grid-template-columns:1fr;gap:55px}.journey-intro{position:static}.photo-stack img{height:480px}.side-card{position:static}
 .product-enquiry-grid{grid-template-columns:1fr;gap:38px}
 .steps{grid-template-columns:1fr 1fr}.step:nth-child(2){border-right:0}.product-list{grid-template-columns:1fr}.loan-card:nth-child(odd){border-right:0}.loan-card:nth-child(even){padding-left:0}
 .values{grid-template-columns:1fr 1fr}.value:nth-child(3n){border-right:1px solid var(--line)}.value:nth-child(even){border-right:0}
 .team-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}
 .product-hero-copy{padding:60px 24px}.product-hero-inner .breadcrumbs{margin-bottom:30px}.product-hero-image{min-height:460px}
}
@media(max-width:650px){
 .container{width:calc(100% - 36px)}section{padding:70px 0}h1{font-size:45px}h2{font-size:36px}h3{font-size:24px}
 .topbar{font-size:10px}.topbar .container{width:calc(100% - 24px)}.topbar .container>div:last-child{display:none}
 .full-image-hero:after{min-height:280px;background-position:center}.full-image-hero:before{inset:280px 0 0 0;width:auto;background-position:right center;background-size:auto 100%}.full-image-hero-inner{padding:35px 18px 83px}.full-image-hero-copy h1{font-size:45px}.full-image-hero-copy p{font-size:15px}.hero-actions{margin-top:25px}.hero-actions .btn{min-height:46px;padding:11px 15px;font-size:12px}
 .home-slider-controls{left:18px;bottom:17px}.melac-proof-inner{width:calc(100% - 36px);grid-template-columns:1fr}.melac-proof-item,.melac-proof-item+.melac-proof-item{padding:21px 0;border-right:0;border-bottom:1px solid rgba(255,255,255,.22)}.melac-proof-item:last-child{border-bottom:0}.melac-proof-item strong{font-size:25px}
 .loan-finder-head,.section-head{margin-bottom:36px}.loan-finder-head>p,.section-head>p{font-size:16px}.loan-finder-tabs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));overflow:visible}.loan-finder-tab{width:100%;min-width:0;min-height:64px;font-size:12px;gap:8px;padding:10px;justify-content:flex-start;border-bottom:1px solid var(--line)}.loan-finder-tab:nth-child(even){border-right:0}.loan-finder-tab.active{border-bottom:1px solid var(--line);border-left:3px solid var(--orange);padding-left:7px}.finder-tab-icon svg{width:21px;height:21px}
 .loan-finder-panel.active{display:block}.finder-copy,.finder-options{padding:33px 24px}.finder-copy h3{font-size:34px}.loan-finder-footer{align-items:start;flex-direction:column}.photo-stack img{height:340px}
 .journey-step{grid-template-columns:50px 1fr}.journey-step h3{font-size:21px}.calculator{padding:25px}.cta{padding:42px 27px;align-items:start;flex-direction:column}.cta h2{font-size:36px}
 .page-hero{padding:65px 0 70px}.page-hero h1{font-size:44px}.breadcrumbs{margin-bottom:27px}
 .product-hero-split{grid-template-columns:1fr}.product-hero-copy{padding:50px 18px 55px}.product-hero-inner h1{font-size:45px}.product-hero-image{min-height:310px;grid-row:1}.product-hero-inner .breadcrumbs{margin-bottom:30px}
 .detail-grid{gap:40px}.feature-list{margin-bottom:25px}.steps{grid-template-columns:1fr}.step,.step:nth-child(2){border-right:0;border-bottom:1px solid var(--line);margin-right:0;padding:25px 0}.step:before{margin-bottom:28px}
 .loan-card,.loan-card:nth-child(even){grid-template-columns:55px 1fr;gap:13px;padding:24px 0;min-height:0}.loan-icon,.loan-icon svg,.loan-icon img{width:44px;height:44px}.loan-card h3{font-size:22px}
 .why-melac-panel,.why-melac-benefits{grid-template-columns:1fr}.why-melac-intro,.why-cta{padding:35px 25px}.why-cta{align-items:start;flex-direction:column}.why-cta h2{font-size:31px}
 .values,.team-grid,.career-benefits,.footer-grid{grid-template-columns:1fr}.value,.value:nth-child(3n){border-right:0;margin-right:0}.member img{height:330px}.contact-card{padding:30px}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.checklist{grid-template-columns:1fr}.product-enquiry-form{padding:25px}.product-enquiry-intro .enquiry-disclaimer{margin-top:25px}
 footer{padding-top:60px}.footer-grid{gap:34px}.copyright{flex-direction:column;margin-top:45px}.site-credit{margin-left:0}.whatsapp{right:12px;bottom:12px;width:42px;height:42px}.whatsapp svg{width:22px;height:22px}
}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}