@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');
:root{--navy:#00326F;--navy-deep:#00326F;--orange:#f15a24;--orange-dark:#d94714;--cyan:#00a7bd;--violet:#50439a;--ink:#17243a;--muted:#667085;--soft:#f6f8fb;--soft-blue:#eef5fb;--white:#fff;--line:#e6eaf0;--shadow-sm:0 8px 24px rgba(0,50,111,.07);--shadow:0 24px 60px rgba(0,50,111,.12);--radius:18px;--radius-lg:28px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'DM Sans',Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.topbar{background:var(--navy-deep);color:#dce5f3;font-size:12.5px}.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:20px}.topbar-links{display:flex;gap:22px;flex-wrap:wrap}.navbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(16px);border-bottom:1px solid rgba(0,50,111,.07)}.nav-wrap{height:82px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center}.brand img{width:190px;height:auto;object-fit:contain;background:transparent;padding:0;border-radius:0}.nav-links{display:flex;align-items:center;gap:28px;font-weight:700;font-size:14px}.nav-links>a:not(.btn){padding:30px 0;position:relative;color:#344054}.nav-links>a:not(.btn):hover,.nav-links>a.active:not(.btn){color:var(--navy)}.nav-links>a.active:not(.btn):after{content:'';position:absolute;height:2px;left:0;right:0;bottom:20px;background:var(--orange);border-radius:99px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:10px;padding:13px 20px;font-weight:800;border:1px solid transparent;transition:.22s ease;cursor:pointer;font-family:inherit;white-space:nowrap}.btn-primary{background:var(--orange);color:#fff;box-shadow:0 8px 20px rgba(241,90,36,.2)}.btn-primary:hover{transform:translateY(-2px);background:var(--orange-dark);box-shadow:0 12px 24px rgba(241,90,36,.25)}.btn-light{background:#fff;color:var(--navy)}.btn-outline{border-color:rgba(255,255,255,.52);color:#fff;background:rgba(255,255,255,.04)}.btn-outline:hover{background:#fff;color:var(--navy)}.btn-outline-dark{border-color:#cfd7e3;color:var(--navy);background:#fff}.menu-btn{display:none;border:0;background:none;font-size:27px;color:var(--navy)}
.hero{min-height:670px;background:linear-gradient(90deg,rgba(0,50,111,.97) 0%,rgba(0,50,111,.92) 43%,rgba(0,50,111,.42) 72%,rgba(0,50,111,.12) 100%),url('../images/melac-office-logo-v2.webp') center 43%/cover;display:flex;align-items:center;color:#fff;position:relative;overflow:hidden}.hero:before{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 68%,rgba(0,50,111,.18))}.hero:after{content:'';position:absolute;width:540px;height:540px;border:1px solid rgba(255,255,255,.08);border-radius:50%;right:-210px;top:55px}.hero-content{position:relative;z-index:2;max-width:690px;padding:95px 0 120px}.eyebrow{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;letter-spacing:2px;font-size:11px;font-weight:800;color:var(--orange);margin-bottom:18px}.eyebrow:before{content:'';width:26px;height:2px;background:currentColor}.hero h1,.page-hero h1{font-family:Manrope,sans-serif;font-size:clamp(44px,5.4vw,72px);line-height:1.06;margin:0 0 22px;letter-spacing:-2.8px;font-weight:800}.hero h1 span{color:#63d2df}.hero p{font-size:18px;max-width:620px;color:#dbe6f4;line-height:1.75}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px}.trust-strip{background:#fff;box-shadow:var(--shadow);position:relative;z-index:4;margin-top:-58px;border-radius:16px;display:grid;grid-template-columns:repeat(3,1fr);overflow:hidden;border:1px solid rgba(0,50,111,.06)}.trust-item{padding:25px 27px;display:flex;align-items:center;gap:15px;border-right:1px solid var(--line)}.trust-item:last-child{border:0}.iconbox{min-width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--soft-blue);color:var(--navy);font-size:18px;font-weight:800}.trust-item b{display:block;color:var(--navy);font-size:15px}.trust-item span{font-size:13px;color:var(--muted)}section{padding:96px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:42px}.section-head.center{text-align:center;display:block;max-width:750px;margin:0 auto 46px}.section-head h2,.copy h2{font-family:Manrope,sans-serif;color:var(--navy);font-size:clamp(34px,3.8vw,50px);line-height:1.12;letter-spacing:-1.7px;margin:0;font-weight:800}.section-head p{max-width:520px;color:var(--muted);margin-bottom:3px}.loans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.loan-card{border:1px solid var(--line);border-radius:16px;padding:28px;background:#fff;transition:.25s ease;position:relative;overflow:hidden;min-height:285px;display:flex;flex-direction:column}.loan-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm);border-color:#d5dce6}.loan-card:before{content:'';position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--orange),var(--cyan),var(--violet));opacity:0;transition:.25s}.loan-card:hover:before{opacity:1}.loan-icon{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;margin-bottom:22px;background:var(--soft-blue);color:var(--navy);font-size:21px}.loan-icon svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8}.loan-card h3{font-family:Manrope,sans-serif;font-size:20px;margin:0 0 10px;color:var(--navy);letter-spacing:-.35px}.loan-card p{color:var(--muted);font-size:14px;margin:0 0 22px}.text-link{font-weight:800;color:var(--orange);display:inline-flex;gap:8px;align-items:center;margin-top:auto;font-size:14px}.about-band{background:var(--soft)}.split{display:grid;grid-template-columns:1fr 1fr;gap:74px;align-items:center}.photo-stack{position:relative;padding:0 42px 42px 0}.photo-stack img{height:510px;width:100%;object-fit:cover;border-radius:22px}.photo-card{position:absolute;right:0;bottom:0;background:#fff;color:var(--ink);padding:24px;border-radius:16px;width:224px;box-shadow:var(--shadow);border-top:4px solid var(--orange)}.photo-card strong{display:block;font-family:Manrope,sans-serif;font-size:34px;color:var(--navy);line-height:1}.copy p{color:var(--muted);font-size:16px}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:28px 0 30px}.check{display:flex;gap:10px;font-weight:700;font-size:14px;align-items:center}.check:before{content:'✓';color:#fff;background:var(--cyan);width:22px;height:22px;border-radius:50%;display:grid;place-items:center;flex:none;font-size:12px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:step}.step{padding:30px;border:1px solid var(--line);border-radius:16px;background:#fff;counter-increment:step;position:relative}.step:before{content:'0' counter(step);font-family:Manrope,sans-serif;font-size:14px;font-weight:800;color:var(--orange);display:inline-grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#fff2ec;margin-bottom:19px}.step h3{color:var(--navy);font-family:Manrope,sans-serif;margin:0 0 8px}.step p{color:var(--muted);margin:0}.cta{background:linear-gradient(125deg,var(--navy-deep),var(--navy));color:#fff;border-radius:22px;padding:54px 58px;display:flex;align-items:center;justify-content:space-between;gap:40px;position:relative;overflow:hidden}.cta:after{content:'';position:absolute;width:330px;height:330px;border:55px solid rgba(255,255,255,.04);border-radius:50%;right:-95px;top:-120px}.cta h2{font-family:Manrope,sans-serif;font-size:42px;line-height:1.12;letter-spacing:-1.3px;margin:0 0 12px}.cta p{color:#d4e0ef;max-width:650px}.page-hero{background:linear-gradient(120deg,var(--navy-deep),var(--navy));color:#fff;padding:88px 0 82px;position:relative;overflow:hidden}.page-hero:after{content:'';position:absolute;width:420px;height:420px;border:80px solid rgba(255,255,255,.03);border-radius:50%;right:-80px;top:-170px}.page-hero h1{font-size:58px}.breadcrumbs{font-size:13px;color:#b9cde4}.breadcrumbs a{color:#fff}.values{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.value{padding:30px;border-radius:16px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 26px rgba(0,50,111,.04)}.value h3{color:var(--navy);font-family:Manrope,sans-serif}.detail-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:50px}.detail-main h2,.detail-main h3{color:var(--navy);font-family:Manrope,sans-serif}.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:13px;padding:0;list-style:none}.feature-list li{padding:15px 17px;background:var(--soft);border-radius:10px;font-weight:700}.side-card{background:var(--navy-deep);color:#fff;padding:31px;border-radius:16px;position:sticky;top:108px}.side-card h3{font-size:25px;font-family:Manrope,sans-serif}.side-card p{color:#ccdaea}.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.member{border-radius:16px;overflow:hidden;background:#fff;border:1px solid var(--line);transition:.25s}.member:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm)}.member img{height:315px;width:100%;object-fit:cover;object-position:top;background:var(--soft)}.member-body{padding:21px}.member h3{margin:0;color:var(--navy);font-family:Manrope,sans-serif}.member p{margin:5px 0 0;color:var(--orange);font-weight:700}.contact-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:30px}.contact-card{background:var(--navy-deep);color:#fff;padding:36px;border-radius:18px}.contact-card h2{font-family:Manrope,sans-serif;font-size:36px;letter-spacing:-1px}.contact-card p{color:#d2dfef}.contact-item{padding:17px 0;border-bottom:1px solid rgba(255,255,255,.11)}.form-card{border:1px solid var(--line);padding:36px;border-radius:18px;box-shadow:var(--shadow-sm)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field.full{grid-column:1/-1}.field label{display:block;font-size:13px;font-weight:800;margin-bottom:7px;color:var(--navy)}.field input,.field select,.field textarea{width:100%;padding:14px 15px;border:1px solid #d5dce5;border-radius:9px;font:inherit;outline:none;background:#fff}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--cyan);box-shadow:0 0 0 3px rgba(0,167,189,.1)}.calculator{background:#fff;border-radius:18px;padding:30px;box-shadow:var(--shadow-sm);border:1px solid var(--line);color:var(--ink);max-width:440px;margin-left:auto}.calculator h3{color:var(--navy);margin-top:0;font-family:Manrope,sans-serif}.calc-row{margin:18px 0}.calc-row label{display:flex;justify-content:space-between;font-weight:700;font-size:13px}.calc-row input{width:100%;accent-color:var(--orange)}.calc-result{background:var(--soft-blue);border-radius:12px;padding:17px;margin-top:20px}.calc-result strong{font-size:25px;color:var(--navy)}footer{background:#00326F;color:#b9c8da;padding:68px 0 24px}.footer-grid{display:grid;grid-template-columns:1.35fr .7fr .8fr 1fr;gap:44px}.footer-logo{width:205px;background:transparent;border-radius:0;padding:0;margin-bottom:20px}.footer-title{color:#fff;font-size:14px;margin-bottom:20px;text-transform:uppercase;letter-spacing:.7px}.footer-links{display:grid;gap:10px;font-size:14px}.footer-links a:hover{color:#fff}.copyright{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:21px;display:flex;justify-content:space-between;font-size:12px}.whatsapp{position:fixed;right:22px;bottom:22px;width:55px;height:55px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;font-size:26px;z-index:30;box-shadow:0 12px 30px rgba(0,0,0,.18)}.notice{padding:14px;border-radius:10px;background:#e9f8ed;color:#176b2f;margin-bottom:20px;display:none}
@media(max-width:900px){.nav-links{position:fixed;left:0;right:0;top:118px;background:#fff;display:none;flex-direction:column;align-items:flex-start;padding:24px 30px;box-shadow:var(--shadow)}.nav-links.open{display:flex}.nav-links>a:not(.btn){padding:8px 0}.nav-links .btn{width:100%}.menu-btn{display:block}.hero{min-height:630px;background-position:62% center}.trust-strip,.loans-grid,.values,.team-grid{grid-template-columns:1fr 1fr}.split,.detail-grid,.contact-grid{grid-template-columns:1fr}.photo-stack{max-width:650px}.footer-grid{grid-template-columns:1fr 1fr}.calculator{margin:35px 0 0}.hero-content{padding:78px 0 100px}.steps{grid-template-columns:1fr}.topbar-links span:last-child{display:none}.section-head{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.container{width:min(100% - 26px,1180px)}.topbar .container{justify-content:center}.topbar-links span:first-child{display:none}.nav-wrap{height:72px}.brand img{width:158px}.nav-links{top:108px}.hero{min-height:610px;background-position:67% center}.hero:before{background:rgba(0,50,111,.26)}.hero h1{font-size:43px;letter-spacing:-1.8px}.hero p{font-size:16px}.trust-strip,.loans-grid,.values,.team-grid,.form-grid,.feature-list{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line)}section{padding:68px 0}.split{gap:40px}.photo-stack{padding:0 18px 35px 0}.photo-stack img{height:390px}.photo-card{width:205px}.copy h2,.section-head h2{font-size:36px}.checklist{grid-template-columns:1fr}.cta{padding:38px 25px;display:block}.cta h2{font-size:34px}.cta .btn{margin-top:17px}.page-hero{padding:66px 0}.page-hero h1{font-size:43px}.footer-grid{grid-template-columns:1fr}.copyright{display:block}.hero-actions .btn{width:100%}.loan-card{min-height:auto}}
.nav-dropdown{position:relative}.nav-dropdown-toggle{display:flex;align-items:center;gap:6px;padding:30px 0;position:relative;border:0;background:none;color:#344054;font:inherit;font-weight:700;cursor:pointer}.nav-dropdown-toggle:hover,.nav-dropdown.active .nav-dropdown-toggle{color:var(--navy)}.nav-dropdown.active .nav-dropdown-toggle:after{content:'';position:absolute;height:2px;left:0;right:0;bottom:20px;background:var(--orange);border-radius:99px}.nav-dropdown-toggle:before{content:'';position:absolute;top:100%;left:-20px;width:230px;height:14px}.nav-dropdown-toggle .chevron{font-size:10px;transition:transform .2s}.nav-dropdown-menu{position:absolute;top:calc(100% + 13px);left:-20px;width:230px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s ease}.nav-dropdown-menu a{display:block;padding:10px 12px;border-radius:8px;color:#344054;font-size:13px}.nav-dropdown-menu a:hover,.nav-dropdown-menu a.active{background:var(--soft-blue);color:var(--navy)}.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown:focus-within .nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.nav-dropdown:hover .chevron,.nav-dropdown:focus-within .chevron,.nav-dropdown.open .chevron{transform:rotate(180deg)}
@media(max-width:900px){.nav-links{max-height:calc(100vh - 118px);overflow-y:auto}.nav-dropdown{width:100%}.nav-dropdown-toggle{width:100%;justify-content:space-between;padding:8px 0}.nav-dropdown-toggle:before,.nav-dropdown-toggle:after{display:none}.nav-dropdown-menu{position:static;width:100%;display:none;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-left:2px solid var(--orange);border-radius:0;margin:4px 0 2px;padding:4px 0 4px 10px}.nav-dropdown.open .nav-dropdown-menu{display:block}.nav-dropdown-menu a{padding:8px 10px}}
.nav-dropdown-menu{width:250px;max-height:calc(100vh - 145px);overflow-y:auto}
@media(max-width:900px){.nav-dropdown-menu{width:100%;max-height:none;overflow:visible}}
.product-hero .product-lead{max-width:680px;color:#dbe6f4;font-size:18px;margin:0 0 28px}.intro-copy{font-size:18px;color:var(--muted);margin-bottom:34px}.side-contact{display:grid;gap:8px;margin-top:22px;font-size:14px}.side-contact a:hover{color:#fff;text-decoration:underline}.product-hero+.detail-grid{scroll-margin-top:100px}.about-band .steps{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.about-band .steps{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.about-band .steps{grid-template-columns:1fr}.product-hero .product-lead{font-size:16px}}
.product-hero{min-height:560px;padding:0;display:flex;align-items:center;background-image:linear-gradient(90deg,rgba(0,50,111,.97) 0%,rgba(0,50,111,.9) 38%,rgba(0,50,111,.45) 64%,rgba(0,50,111,.08) 100%),var(--product-image);background-position:center;background-size:cover}.product-hero:after{display:none}.product-hero .container{position:relative;z-index:2;padding-top:72px;padding-bottom:76px}.product-hero h1{max-width:620px;margin-bottom:14px}.product-hero .breadcrumbs{margin-bottom:30px}.product-hero .eyebrow{margin-bottom:14px}
@media(max-width:900px){.product-hero{min-height:520px;background-position:62% center;background-image:linear-gradient(90deg,rgba(0,50,111,.97) 0%,rgba(0,50,111,.88) 52%,rgba(0,50,111,.34) 100%),var(--product-image)}}
@media(max-width:620px){.product-hero{min-height:540px;background-position:68% center;background-image:linear-gradient(90deg,rgba(0,50,111,.96),rgba(0,50,111,.68)),var(--product-image)}.product-hero .container{padding-top:58px;padding-bottom:62px}}
.product-hero-split{display:grid;grid-template-columns:1fr 1fr;min-height:550px;background:var(--navy-deep);color:#fff}.product-hero-copy{display:flex;justify-content:flex-end;align-items:center;padding:70px 0}.product-hero-inner{width:min(590px,calc(100% - 40px));padding-right:64px}.product-hero-inner .breadcrumbs{font-size:13px;color:#b9cde4;margin-bottom:38px}.product-hero-inner .breadcrumbs a{color:#fff}.product-hero-inner .eyebrow{margin-bottom:16px}.product-hero-inner h1{font-family:Manrope,sans-serif;font-size:clamp(44px,4.2vw,66px);line-height:1.06;letter-spacing:-2.4px;margin:0 0 20px}.product-hero-inner .product-lead{font-size:18px;line-height:1.7;color:#dbe6f4;max-width:540px;margin:0 0 30px}.product-hero-image{min-height:550px;background-image:var(--product-image);background-size:cover;background-position:center}.loan-card .product-details-link{margin-top:auto}.loan-card:has(.product-details-link){cursor:pointer}
@media(max-width:900px){.product-hero-split{grid-template-columns:1fr}.product-hero-copy{justify-content:center;padding:60px 0}.product-hero-inner{width:min(100% - 40px,700px);padding-right:0}.product-hero-image{min-height:420px;background-position:center}.product-hero-inner .breadcrumbs{margin-bottom:28px}}
@media(max-width:620px){.product-hero-copy{padding:46px 0}.product-hero-inner{width:min(100% - 26px,700px)}.product-hero-inner h1{font-size:42px;letter-spacing:-1.6px}.product-hero-inner .product-lead{font-size:16px}.product-hero-image{min-height:300px}}
.loan-icon.product-icon{width:76px;height:76px;border-radius:17px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 20px rgba(0,50,111,.08);margin-bottom:24px}.loan-icon.product-icon svg{width:52px;height:52px;display:block;stroke:none;fill:none}.product-icon .icon-navy{fill:var(--navy)}.product-icon .icon-orange{fill:var(--orange)}.product-icon .icon-white{fill:#fff}.loan-card:hover .product-icon{transform:translateY(-2px);box-shadow:0 12px 25px rgba(0,50,111,.12);transition:.22s ease}
.product-list{display:grid;gap:14px}.product-list .loan-card{min-height:0;display:grid;grid-template-columns:92px minmax(190px,.72fr) minmax(300px,1.5fr) auto;align-items:center;gap:24px;padding:24px 28px}.product-list .loan-card:before{left:0;right:auto;bottom:0;width:4px;height:auto}.product-list .loan-card:hover{transform:translateX(4px)}.product-list .product-icon{margin:0}.product-list .loan-card h3,.product-list .loan-card p{margin:0}.product-list .loan-card p{font-size:15px}.product-list .product-details-link{margin:0;white-space:nowrap;padding:11px 16px;border:1px solid #d9e0e9;border-radius:9px;color:var(--navy)}.product-list .product-details-link:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.career-intro{max-width:790px;margin:0 auto;text-align:center}.career-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:42px}.career-benefit{padding:28px;border:1px solid var(--line);border-radius:16px;background:#fff}.career-benefit h3{color:var(--navy);font-family:Manrope,sans-serif;margin:0 0 8px}.career-benefit p{color:var(--muted);margin:0}.vacancy-empty{max-width:790px;margin:auto;padding:56px;text-align:center;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:var(--shadow-sm)}.vacancy-empty .loan-icon{margin:0 auto 22px}.vacancy-empty h2{font-family:Manrope,sans-serif;color:var(--navy);margin:0 0 12px}.vacancy-empty p{color:var(--muted);max-width:590px;margin:0 auto 22px}.recruitment-warning{display:flex;gap:18px;align-items:flex-start;max-width:900px;margin:40px auto 0;padding:22px 24px;border-left:4px solid var(--orange);background:#fff7f2;border-radius:0 12px 12px 0}.recruitment-warning strong{display:block;color:var(--navy);margin-bottom:4px}.recruitment-warning p{margin:0;color:var(--muted)}
@media(max-width:900px){.product-list .loan-card{grid-template-columns:76px 1fr auto}.product-list .loan-card p{grid-column:2/4}.career-benefits{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.product-list .loan-card{display:flex;align-items:flex-start;gap:0;padding:24px}.product-list .product-icon{margin-bottom:20px}.product-list .loan-card p{margin:0 0 20px}.product-list .product-details-link{width:100%;justify-content:center}.career-benefits{grid-template-columns:1fr}.vacancy-empty{padding:36px 22px}.recruitment-warning{display:block}}
.product-hero-split{padding:0}
:root{--navy-deep:#00326F}