/* Mortgage Experts design system · tokens + components. Source: design system artifact. */
:root{
  --navy-900:#07162F;
  --navy-800:#0A1F44;
  --navy-700:#122B59;
  --navy-500:#2F4A9A;
  --navy-300:#9FB0CF;
  --navy-100:#E6EBF4;
  --red-700:#A30000;
  --red-600:#CC0000;
  --red-400:#FF5A5A;
  --red-50:#FFF6F6;
  --paper:#F4F6FA;
  --white:#FFFFFF;
  --ink:#0F1B2D;
  --slate:#5B6678;
  --line:#DCE2EC;
  --line-strong:#8792A5;
  --gold:#C49E4E;
  --black:#0D0D0D;
  --star:#FFC43D;
  --focus:#FFB400;
  --focus-light:var(--navy-500);
  --success:#1E7A46;
  --surface:var(--white);
  --surface-alt:var(--paper);
  --surface-inverse:var(--navy-800);
  --surface-deep:var(--navy-900);
  --text:var(--ink);
  --text-muted:var(--slate);
  --text-heading:var(--navy-800);
  --text-inverse:var(--white);
  --text-inverse-muted:var(--navy-300);
  --accent:var(--red-600);
  --accent-hover:var(--red-700);
  --accent-on-dark:var(--red-400);
  --border:var(--line);
  --font-display:"Archivo", "Arial Narrow", Arial, sans-serif;
  --font-body:"Public Sans", -apple-system, "Segoe UI", Roboto, sans-serif;
  --space-1:4px;
  --space-2:8px;
  --space-3:12px;
  --space-4:16px;
  --space-5:24px;
  --space-6:32px;
  --space-7:48px;
  --space-8:64px;
  --space-9:96px;
  --space-10:128px;
  --container:1200px;
  --gutter:20px;
  --radius-sm:6px;
  --radius-md:10px;
  --radius-lg:14px;
  --radius-xl:24px;
  --radius-pill:999px;
  --shadow-sm:0 1px 2px rgba(10,31,68,0.08);
  --shadow-md:0 10px 28px rgba(10,31,68,0.12);
  --shadow-lg:0 28px 64px rgba(5,15,34,0.38);
}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body.me{margin:0}
/* =========================================================
   MORTGAGE EXPERTS DESIGN SYSTEM  ·  components v1
   Every class is prefixed me-. Requires the :root tokens.
   ========================================================= */

/* ---------- Base ---------- */
.me, .me *{box-sizing:border-box}
.me{margin:0;background:var(--surface);color:var(--text);font-family:var(--font-body);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;--ring:var(--focus-light)}
:where(.me) img{max-width:100%;height:auto;display:block}
:where(.me) a{color:inherit}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.me :focus-visible{outline:3px solid var(--ring);outline-offset:3px;border-radius:2px}
.me-inverse,.me-hero,.me-section--inverse,.me-section--deep,.me-footer,.me-topbar,.me-tiles{--ring:var(--focus)}

/* ---------- Layout ---------- */
.me-container{max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
.me-section{padding-block:var(--space-9)}
.me-section--alt{background:var(--surface-alt)}
.me-section--inverse{background:var(--surface-inverse);color:var(--text-inverse)}
.me-section--deep{background:var(--surface-deep);color:var(--text-inverse)}
.me-grid{display:grid;gap:var(--space-5);grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.me-split{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-7);align-items:center}
.me-split > *{min-width:0}
.me-split--wide{grid-template-columns:1.5fr 1fr;align-items:start}
.me-stack{display:flex;flex-direction:column;gap:var(--space-4)}
.me-row{display:flex;flex-wrap:wrap;gap:var(--space-3);align-items:center}

/* ---------- Type ---------- */
.me-display,.me-h1,.me-h2,.me-h3,.me-h4{font-family:var(--font-display);margin:0;color:var(--text-heading);text-wrap:balance}
.me-display{font-size:clamp(44px,7vw,76px);line-height:.92;font-weight:900;font-stretch:78%;text-transform:uppercase;letter-spacing:-.01em}
.me-display--xl{font-size:clamp(38px,5.4vw,56px);line-height:.95}
.me-display > span{display:block}
.me-h1{font-size:clamp(34px,4.4vw,46px);line-height:1.04;font-weight:900;font-stretch:85%;letter-spacing:-.01em}
.me-h2{font-size:clamp(28px,3.4vw,34px);line-height:1.08;font-weight:800;font-stretch:88%}
.me-h3{font-size:24px;line-height:1.15;font-weight:800;font-stretch:90%}
.me-h4{font-size:19px;line-height:1.25;font-weight:800}
.me-accent{color:var(--accent)}
.me-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:13px;line-height:1.3;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent)}
.me-eyebrow::before{content:"";width:22px;height:3px;background:currentColor;border-radius:2px}
.me-lede{font-size:20px;line-height:1.55;color:var(--text-muted);margin:0;max-width:40em}
.me-small{font-size:15px;line-height:1.55}
.me-caption{font-size:13px;line-height:1.55;color:var(--text-muted)}
.me-muted{color:var(--text-muted)}
/* on dark grounds */
.me-hero .me-display,.me-hero .me-h1,.me-hero .me-h2,.me-hero .me-h3,
.me-section--inverse :is(.me-display,.me-h1,.me-h2,.me-h3,.me-h4),
.me-section--deep :is(.me-display,.me-h1,.me-h2,.me-h3,.me-h4),
.me-inverse :is(.me-display,.me-h1,.me-h2,.me-h3,.me-h4){color:var(--text-inverse)}
:is(.me-hero,.me-section--inverse,.me-section--deep,.me-inverse) :is(.me-accent,.me-eyebrow){color:var(--accent-on-dark)}
:is(.me-hero,.me-section--inverse,.me-section--deep,.me-inverse) :is(.me-lede,.me-muted,.me-caption){color:var(--text-inverse-muted)}

/* ---------- Section header ---------- */
.me-sechead{display:flex;flex-direction:column;gap:var(--space-3);max-width:760px;margin-bottom:var(--space-6)}
.me-sechead--center{align-items:center;text-align:center;margin-inline:auto}
.me-sechead--split{max-width:none;flex-direction:row;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:var(--space-5)}

/* ---------- Buttons ---------- */
.me-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border:2px solid transparent;border-radius:var(--radius-sm);font:700 15px/1 var(--font-body);letter-spacing:.06em;text-transform:uppercase;text-decoration:none;cursor:pointer;white-space:nowrap;transition:background-color .15s,border-color .15s,color .15s,transform .15s}
.me-btn:hover{transform:translateY(-1px)}
.me-btn--primary{background:var(--accent);color:#fff}
.me-btn--primary:hover{background:var(--accent-hover)}
.me-btn--secondary{background:var(--navy-800);color:#fff}
.me-btn--secondary:hover{background:var(--navy-700)}
.me-btn--outline{border-color:var(--navy-800);color:var(--navy-800);background:transparent}
.me-btn--outline:hover{background:var(--navy-800);color:#fff}
.me-btn--ghost-dark{border-color:rgba(255,255,255,.6);color:#fff;background:transparent}
.me-btn--ghost-dark:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.me-btn--light{background:#fff;color:var(--navy-800)}
.me-btn--light:hover{background:var(--navy-100)}
.me-btn--sm{min-height:42px;padding:0 18px;font-size:13px}
.me-btn--lg{min-height:60px;padding:0 34px;font-size:16px}
.me-btn--block{width:100%}
.me-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:14px;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;color:var(--navy-800)}
.me-link::after{content:"";width:18px;height:2px;background:var(--accent);transition:width .15s}
.me-link:hover::after{width:30px}
:is(.me-hero,.me-section--inverse,.me-section--deep,.me-inverse,.me-panel--navy,.me-panel--red) .me-link{color:#fff}
.me-panel--navy .me-link::after{background:var(--red-400)}

/* ---------- Tag / badge ---------- */
.me-tag{display:inline-flex;align-items:center;gap:6px;padding:5px 11px;border-radius:var(--radius-pill);background:var(--navy-100);color:var(--navy-800);font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.me-tag--red{background:var(--red-50);color:var(--red-700)}
.me-tag--line{background:transparent;border:1px solid currentColor}

/* ---------- Top bar + header + mega menu ---------- */
.me-topbar{background:var(--navy-900);color:var(--navy-300);font-size:13.5px}
.me-topbar .me-container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-block:8px}
.me-topbar a{color:#fff;font-weight:600;text-decoration:none}
.me-header{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--border)}
.me-header__bar{display:flex;align-items:center;justify-content:space-between;gap:var(--space-5);min-height:80px}
.me-header__logo img{height:62px;width:auto}
.me-nav{display:flex;align-items:stretch;gap:4px;align-self:stretch}
.me-nav__item{position:relative;display:flex;align-items:center}
.me-nav__trigger{display:flex;align-items:center;gap:6px;height:100%;padding:0 14px;background:none;border:0;font:700 14px/1 var(--font-body);letter-spacing:.06em;text-transform:uppercase;color:var(--ink);text-decoration:none;cursor:pointer;border-bottom:3px solid transparent}
.me-nav__trigger svg{width:10px;height:10px;transition:transform .15s}
.me-nav__item:hover .me-nav__trigger,.me-nav__item:focus-within .me-nav__trigger{color:var(--accent);border-bottom-color:var(--accent)}
.me-nav__item:hover .me-nav__trigger svg,.me-nav__item:focus-within .me-nav__trigger svg{transform:rotate(180deg)}
.me-mega{position:absolute;top:100%;left:50%;transform:translate(-50%,8px);width:min(680px,90vw);display:grid;grid-template-columns:1.05fr 1fr;gap:0;background:#fff;border:1px solid var(--border);border-radius:0 0 var(--radius-md) var(--radius-md);box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transition:opacity .15s,transform .15s,visibility .15s;overflow:hidden}
.me-nav__item:hover .me-mega,.me-nav__item:focus-within .me-mega{opacity:1;visibility:visible;transform:translate(-50%,0)}
.me-mega__intro{background:var(--navy-800);color:#fff;padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-3);background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:24px 24px}
.me-mega__intro .me-h3{color:#fff;text-transform:uppercase;font-stretch:80%}
.me-mega__intro p{margin:0;color:var(--navy-300);font-size:15px}
.me-mega__links{list-style:none;margin:0;padding:var(--space-5);display:flex;flex-direction:column;gap:2px}
.me-mega__links a{display:flex;flex-direction:column;gap:2px;padding:10px 12px;border-radius:var(--radius-sm);text-decoration:none;font-weight:700;color:var(--navy-800)}
.me-mega__links a small{font-weight:400;color:var(--slate);font-size:13.5px}
.me-mega__links a:hover{background:var(--red-50)}
.me-header__cta{display:flex;align-items:center;gap:var(--space-4)}
.me-header__phone{font-weight:800;color:var(--navy-800);text-decoration:none;white-space:nowrap}
.me-menu{display:none}
.me-menu summary{list-style:none;cursor:pointer;width:46px;height:46px;border:2px solid var(--navy-800);border-radius:var(--radius-sm);display:grid;place-items:center}
.me-menu summary::-webkit-details-marker{display:none}
.me-menu summary span,.me-menu summary span::before,.me-menu summary span::after{display:block;width:20px;height:2px;background:var(--navy-800);position:relative;content:""}
.me-menu summary span::before{position:absolute;top:-6px}
.me-menu summary span::after{position:absolute;top:6px}
.me-menu__panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--border);box-shadow:var(--shadow-md);padding:var(--space-4) var(--gutter) var(--space-5);display:flex;flex-direction:column;gap:2px;max-height:75vh;overflow:auto}
.me-menu__panel a{padding:12px 4px;border-bottom:1px solid var(--border);text-decoration:none;font-weight:700;color:var(--navy-800);text-transform:uppercase;letter-spacing:.05em;font-size:14px}
.me-menu__panel .me-btn{margin-top:var(--space-4);border-bottom:0}

/* ---------- Hero ---------- */
.me-hero{position:relative;overflow:hidden;background-color:var(--navy-800);color:#fff;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:32px 32px}
.me-hero > *{position:relative}
.me-hero::before{content:"";position:absolute;right:-180px;top:40px;width:620px;height:620px;border-top:34px solid var(--red-600);border-left:34px solid var(--red-600);transform:rotate(45deg);opacity:.16;pointer-events:none}
.me-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:10px;background:linear-gradient(90deg,var(--red-600) 0 33%,#fff 33% 34%,var(--navy-500) 34% 100%)}
.me-hero__inner{position:relative;display:grid;grid-template-columns:1.12fr .88fr;gap:var(--space-7);align-items:center;padding-block:var(--space-9) var(--space-10)}
.me-hero__copy{display:flex;flex-direction:column;gap:var(--space-5)}
.me-hero__lede{font-size:20px;line-height:1.55;color:#D3DBEA;margin:0;max-width:34em}
.me-trust{display:flex;flex-wrap:wrap;gap:10px 28px;font-size:14.5px;color:var(--navy-300)}
.me-trust b{color:#fff}
.me-stars{color:var(--star);letter-spacing:1px}

/* ---------- Segmented control (CSS only) ---------- */
.me-segment{display:flex;padding:4px;border-radius:var(--radius-pill);background:var(--navy-100);gap:4px}
.me-segment input{position:absolute;opacity:0;pointer-events:none}
.me-segment label{flex:1;text-align:center;padding:11px 10px;border-radius:var(--radius-pill);font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-800);cursor:pointer;transition:background .15s,color .15s}
.me-segment input:checked + label{background:var(--navy-800);color:#fff}
.me-segment input:focus-visible + label{outline:3px solid var(--focus-light);outline-offset:2px}

/* ---------- Intent card (hero chooser) ---------- */
.me-intent{background:#fff;color:var(--ink);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-lg);display:flex;flex-direction:column;gap:var(--space-4);--ring:var(--focus-light)}
.me-intent .me-h3{color:var(--navy-800);text-transform:uppercase;font-stretch:80%;font-size:26px}
.me-intent .me-caption{color:var(--slate);margin:0}
.me-intent__panel{display:none;flex-direction:column;gap:10px}
.me-intent:has(#me-i-buy:checked) [data-panel="buy"],
.me-intent:has(#me-i-refi:checked) [data-panel="refi"],
.me-intent:has(#me-i-equity:checked) [data-panel="equity"]{display:flex}
.me-path{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:15px 16px;border:1px solid var(--border);border-radius:var(--radius-md);text-decoration:none;font-weight:700;color:var(--navy-800);transition:border-color .15s,background .15s}
.me-path small{display:block;font-weight:400;font-size:14px;color:var(--slate)}
.me-path__arrow{flex:none;width:34px;height:34px;border-radius:50%;background:var(--red-50);color:var(--accent);display:grid;place-items:center;font-weight:900;transition:background .15s,color .15s}
.me-path:hover{border-color:var(--accent);background:var(--red-50)}
.me-path:hover .me-path__arrow{background:var(--accent);color:#fff}

/* ---------- Statement band ---------- */
.me-statement{display:grid;grid-template-columns:auto 1fr auto;gap:var(--space-7);align-items:center}
.me-statement__mark{width:120px;height:120px;border-radius:var(--radius-lg);background:var(--navy-800);display:grid;place-items:center;position:relative}
.me-statement__mark::before{content:"";width:48px;height:48px;border-top:8px solid var(--red-600);border-left:8px solid var(--red-600);transform:translateY(8px) rotate(45deg)}
.me-statement .me-h2{text-transform:uppercase;font-stretch:78%;font-size:clamp(26px,3.2vw,36px)}

/* ---------- Program card ---------- */
.me-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:var(--space-5);display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s,transform .15s;overflow:hidden}
.me-card::before{content:"";position:absolute;left:0;top:0;height:4px;width:0;background:var(--accent);transition:width .2s}
.me-card:hover{border-color:var(--navy-800);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.me-card:hover::before{width:100%}
.me-card .me-h3{color:var(--navy-800)}
.me-card p{margin:0;font-size:15.5px;color:var(--slate)}
.me-card .me-link{margin-top:auto;padding-top:6px}

/* ---------- Steps ---------- */
.me-steps{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:var(--space-5);counter-reset:me-step}
.me-steps li{display:grid;grid-template-columns:56px 1fr;gap:var(--space-4);align-items:start}
.me-steps li::before{counter-increment:me-step;content:"0" counter(me-step);width:56px;height:56px;border-radius:var(--radius-md);background:var(--navy-800);color:#fff;font:900 22px/1 var(--font-display);font-stretch:80%;display:grid;place-items:center}
.me-steps li:first-child::before{background:var(--accent)}
.me-steps .me-h4{color:var(--navy-800);margin-bottom:4px}
.me-steps p{margin:0;color:var(--slate)}

/* ---------- Compare table ---------- */
.me-compare{background:var(--navy-800);color:#fff;border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-4);--ring:var(--focus)}
.me-compare .me-h3{color:#fff;text-transform:uppercase;font-stretch:80%;font-size:28px}
.me-compare__scroll{overflow-x:auto}
.me-compare table{width:100%;border-collapse:collapse;font-size:15.5px}
.me-compare th,.me-compare td{text-align:left;padding:13px 8px;border-bottom:1px solid rgba(255,255,255,.14);vertical-align:top}
.me-compare th{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-300)}
.me-compare td:nth-child(2){color:var(--navy-300)}
.me-compare td:last-child{font-weight:700}
.me-compare th:last-child{color:var(--red-400)}

/* ---------- Feature split (image frame with offset block) ---------- */
.me-frame{position:relative;isolation:isolate}
.me-frame::before{content:"";position:absolute;inset:28px -18px -18px 28px;background:var(--accent);border-radius:var(--radius-xl) 0 var(--radius-xl) 0;z-index:-1}
.me-frame > *{border-radius:var(--radius-xl) 0 var(--radius-xl) 0;overflow:hidden;width:100%}
.me-frame--navy::before{background:var(--navy-800)}

/* ---------- Impact panels ---------- */
.me-panels{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-5)}
.me-panel{border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-4);position:relative;overflow:hidden}
.me-panel--red{background:var(--red-600);color:#fff;--ring:var(--focus)}
.me-panel--red .me-h3,.me-panel--red .me-h2{color:#fff}
.me-panel--red::after{content:"";position:absolute;right:-60px;bottom:-60px;width:200px;height:200px;border-top:22px solid rgba(255,255,255,.14);border-left:22px solid rgba(255,255,255,.14);transform:rotate(45deg)}
.me-panel--white{background:#fff;border:1px solid var(--border)}
.me-panel--navy{background:var(--navy-800);color:#fff;--ring:var(--focus)}
.me-panel--navy :is(.me-h2,.me-h3){color:#fff}
.me-panel ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:6px}
.me-panel .me-btn{align-self:flex-start}
.me-panel .me-h3{font-size:30px;font-weight:900;text-transform:uppercase;font-stretch:80%}

/* ---------- Stat ---------- */
.me-stat{display:flex;flex-direction:column;gap:6px}
.me-stat__num{font:900 72px/.9 var(--font-display);font-stretch:75%;color:var(--navy-800);letter-spacing:-.02em}
.me-stat__num em{font-style:normal;color:var(--accent)}
.me-stat__label{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--slate)}
:is(.me-hero,.me-section--inverse,.me-panel--navy,.me-inverse) .me-stat__num{color:#fff}
:is(.me-hero,.me-section--inverse,.me-panel--navy,.me-inverse) .me-stat__label{color:var(--navy-300)}

/* ---------- Testimonial slider ---------- */
.me-quotes{position:relative}
.me-quotes__track{display:grid;grid-auto-flow:column;grid-auto-columns:min(420px,86%);gap:var(--space-5);overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:4px}
.me-quotes__track::-webkit-scrollbar{display:none}
.me-quote{scroll-snap-align:start;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-4);margin:0}
.me-quote__kicker{font:900 14px/1 var(--font-display);letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.me-quote blockquote{margin:0;font-size:18px;line-height:1.55;color:var(--ink)}
.me-quote blockquote::before{content:"\201C";display:block;font:900 64px/.6 var(--font-display);color:var(--navy-100);margin-bottom:10px}
.me-quote figcaption{margin-top:auto;font-weight:800;color:var(--navy-800)}
.me-quote figcaption span{font-weight:400;color:var(--slate)}
.me-quote--cta{background:var(--navy-800);border-color:var(--navy-800);color:#fff;--ring:var(--focus)}
.me-quote--cta .me-h3{color:#fff;text-transform:uppercase;font-stretch:80%}
.me-quote--cta p{margin:0;color:var(--navy-300)}
.me-quotes__nav{display:flex;gap:10px}
.me-arrow{width:52px;height:52px;border-radius:50%;border:2px solid var(--navy-800);background:#fff;color:var(--navy-800);display:grid;place-items:center;cursor:pointer;font:900 20px/1 var(--font-body);transition:background .15s,color .15s}
.me-arrow:hover{background:var(--navy-800);color:#fff}
.me-rating{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--border);border-radius:var(--radius-pill);padding:10px 22px 10px 12px}
.me-rating b{font:900 30px/1 var(--font-display);color:#fff;background:var(--navy-800);border-radius:50%;width:58px;height:58px;display:grid;place-items:center;font-stretch:80%}
.me-rating span{font-size:14px;color:var(--slate)}

/* ---------- Team ---------- */
.me-team{display:grid;grid-template-columns:repeat(auto-fill,minmax(176px,1fr));gap:var(--space-5)}
.me-member{margin:0;display:flex;flex-direction:column;gap:12px}
.me-member img{width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:var(--radius-lg) 0 var(--radius-lg) 0;background:var(--navy-100)}
.me-member figcaption{display:flex;flex-direction:column;gap:2px;font-size:14px;line-height:1.4;color:var(--slate)}
.me-member b{font-size:16px;color:var(--navy-800)}
.me-member .me-nmls{font-size:12px;letter-spacing:.06em;text-transform:uppercase}

/* ---------- Sister brand bridge (black + gold) ---------- */
.me-bridge{background:var(--black);color:#fff;--ring:var(--gold)}
.me-bridge .me-container{display:flex;justify-content:space-between;align-items:center;gap:var(--space-5);flex-wrap:wrap;padding-block:var(--space-7)}
.me-bridge .me-h3{color:#fff;text-transform:uppercase;font-stretch:80%;font-size:30px}
.me-bridge .me-h3 span{color:var(--gold)}
.me-bridge p{margin:8px 0 0;color:#BDB6A8;max-width:58ch}
.me-btn--gold{border-color:var(--gold);color:var(--gold);background:transparent}
.me-btn--gold:hover{background:var(--gold);color:var(--black)}

/* ---------- CTA tiles band ("Let's get you home") ---------- */
.me-tiles{background:var(--navy-900);color:#fff;padding-block:var(--space-9)}
.me-tiles .me-display{color:#fff;text-align:center;margin-bottom:var(--space-6)}
.me-tiles__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-4)}
.me-tile{position:relative;min-height:200px;border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;justify-content:flex-end;gap:8px;text-decoration:none;color:#fff;background:var(--navy-800);border:1px solid rgba(255,255,255,.12);overflow:hidden;transition:background .2s,transform .2s}
.me-tile::before{content:"";position:absolute;right:24px;top:24px;width:44px;height:44px;border-top:6px solid var(--red-400);border-right:6px solid var(--red-400);transition:transform .2s}
.me-tile b{font:900 32px/.95 var(--font-display);font-stretch:78%;text-transform:uppercase}
.me-tile span{color:var(--navy-300);font-size:15px}
.me-tile:hover{background:var(--red-600);transform:translateY(-3px)}
.me-tile:hover::before{border-color:#fff;transform:translate(4px,-4px)}
.me-tile:hover span{color:#fff}

/* ---------- Profile (loan officer pages) ---------- */
.me-crumb{font-size:13.5px;color:var(--text-muted);padding-top:var(--space-5)}
.me-crumb a{color:var(--text-muted)}
.me-profile{display:grid;grid-template-columns:320px 1fr;gap:var(--space-7);align-items:center;padding-block:var(--space-5) var(--space-8)}
.me-profile .me-frame{max-width:320px}
.me-profile .me-frame img{aspect-ratio:1/1;object-fit:cover;background:var(--navy-100)}
.me-profile__role{font-size:19px;color:var(--text-muted);margin:6px 0 0}
.me-profile__nmls{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--text-muted);margin:6px 0 0}
.me-contact{display:flex;flex-wrap:wrap;gap:10px 22px;margin:0;padding:0;list-style:none}
.me-contact a{color:var(--navy-800);font-weight:700;text-decoration:none;border-bottom:2px solid var(--line)}
.me-contact a:hover{border-color:var(--accent)}
.me-help{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.me-help li{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);padding:14px 16px;display:flex;flex-direction:column;gap:2px}
.me-help b{color:var(--navy-800);font-size:15.5px}
.me-help span{font-size:14.5px;color:var(--text-muted)}
.me-pullquote{margin:0;padding:var(--space-5);background:#fff;border-radius:var(--radius-md);border:1px solid var(--border);font-size:16px;display:flex;flex-direction:column;gap:6px}
.me-pullquote::before{content:"\201C";font:900 48px/.5 var(--font-display);color:var(--accent)}
.me-pullquote cite{font-style:normal;font-size:13px;color:var(--text-muted)}
.me-trustrow{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-5)}
.me-trustrow > div{display:flex;flex-direction:column;gap:4px;padding-top:var(--space-4);border-top:4px solid var(--accent)}
.me-trustrow b{font:900 28px/1.05 var(--font-display);font-stretch:80%;text-transform:uppercase;color:var(--navy-800)}
.me-trustrow span{font-size:14.5px;color:var(--text-muted)}
.me-bio p{margin:0 0 14px;max-width:66ch}

/* ---------- Program pages: sub-nav ---------- */
.me-subnav{position:sticky;top:81px;z-index:30;background:#fff;border-bottom:1px solid var(--border)}
.me-subnav .me-container{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;padding-block:10px}
.me-subnav .me-container::-webkit-scrollbar{display:none}
.me-subnav a:not(.me-btn){flex:none;padding:8px 14px;border-radius:var(--radius-pill);font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;color:var(--navy-800);background:var(--paper)}
.me-subnav a:not(.me-btn):hover,.me-subnav a.on{background:var(--navy-800);color:#fff}
.me-subnav .me-btn{margin-left:auto}

/* ---------- At a glance ---------- */
.me-glance{background:#fff;color:var(--ink);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-lg);display:flex;flex-direction:column;gap:var(--space-4);--ring:var(--focus-light)}
.me-glance .me-h3{color:var(--navy-800);text-transform:uppercase;font-stretch:80%}
.me-glance dl{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--border);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden}
.me-glance dl > div{background:#fff;padding:14px 16px;display:flex;flex-direction:column;gap:2px}
.me-glance dt{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--slate)}
.me-glance dd{margin:0;font:900 30px/1.05 var(--font-display);font-stretch:80%;color:var(--navy-800);font-variant-numeric:tabular-nums}
.me-glance dd small{display:block;font:400 13px/1.4 var(--font-body);color:var(--slate);margin-top:4px}
.me-glance .me-caption{margin:0;color:var(--slate)}

/* ---------- Fit check ---------- */
.me-fit{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-5)}
.me-fit > div{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-3)}
.me-fit ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.me-fit li{display:grid;grid-template-columns:26px 1fr;gap:10px;align-items:start}
.me-fit li::before{content:"";width:26px;height:26px;border-radius:50%;display:grid;place-items:center;font-weight:900;font-size:14px}
.me-fit__yes li::before{content:"\2713";background:var(--navy-800);color:#fff}
.me-fit__no li::before{content:"!";background:var(--red-50);color:var(--red-700);border:1px solid var(--red-600)}

/* ---------- Spec table ---------- */
.me-spec{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;font-size:16px}
.me-spec th,.me-spec td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--border);vertical-align:top}
.me-spec tr:last-child th,.me-spec tr:last-child td{border-bottom:0}
.me-spec th{width:34%;font-weight:700;color:var(--navy-800);background:var(--paper)}
.me-spec td b{color:var(--navy-800)}
.me-spec__wrap{overflow-x:auto;border-radius:var(--radius-md)}

/* ---------- Payment estimator ---------- */
.me-calc{display:grid;grid-template-columns:1.05fr .95fr;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}
.me-calc__inputs{padding:var(--space-6);display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4) var(--space-5);align-content:start}
.me-field{display:flex;flex-direction:column;gap:6px;min-width:0}
.me-field--full{grid-column:1/-1}
.me-field label{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-800)}
.me-field .me-input{display:flex;align-items:center;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:#fff;transition:border-color .15s}
.me-field .me-input:focus-within{border-color:var(--navy-500);box-shadow:0 0 0 3px rgba(47,74,154,.18)}
.me-field .me-input span{padding:0 0 0 12px;color:var(--slate);font-weight:600}
.me-field .me-input span.suf{padding:0 12px 0 0}
.me-field input{flex:1;min-width:0;border:0;background:transparent;padding:12px;font:600 17px var(--font-body);color:var(--ink);font-variant-numeric:tabular-nums;outline:none}
.me-field input[type=range]{padding:0;accent-color:var(--accent)}
.me-field small{font-size:12.5px;color:var(--slate)}
.me-calc__out{background:var(--navy-800);color:#fff;padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-4);--ring:var(--focus);background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:32px 32px}
.me-calc__total{display:flex;flex-direction:column;gap:4px}
.me-calc__total span{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-300)}
.me-calc__total b{font:900 64px/.95 var(--font-display);font-stretch:78%;font-variant-numeric:tabular-nums}
.me-calc__total b small{font:600 18px var(--font-body);color:var(--navy-300)}
.me-calc__bar{display:flex;height:12px;border-radius:6px;overflow:hidden;background:rgba(255,255,255,.1)}
.me-calc__bar i{display:block;height:100%}
.me-calc__rows{list-style:none;margin:0;padding:0;display:flex;flex-direction:column}
.me-calc__rows li{display:grid;grid-template-columns:12px 1fr auto;gap:10px;align-items:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:15px;font-variant-numeric:tabular-nums}
.me-calc__rows li i{width:12px;height:12px;border-radius:3px}
.me-calc__rows li b{font-weight:700}
.me-calc__rows li.sub{grid-template-columns:1fr auto;color:var(--navy-300);font-size:14px}
.me-calc__note{font-size:12.5px;line-height:1.5;color:var(--navy-300);margin:0}
.me-calc__warn{font-size:14px;color:#fff;background:rgba(204,0,0,.35);border:1px solid var(--red-400);border-radius:var(--radius-sm);padding:10px 12px;margin:0}

/* ---------- FAQ ---------- */
.me-faq{display:flex;flex-direction:column;gap:10px}
.me-faq details{background:#fff;border:1px solid var(--border);border-radius:var(--radius-md);transition:border-color .15s}
.me-faq details[open]{border-color:var(--navy-800)}
.me-faq summary{list-style:none;cursor:pointer;padding:18px 56px 18px 20px;position:relative;font-weight:700;font-size:17px;color:var(--navy-800)}
.me-faq summary::-webkit-details-marker{display:none}
.me-faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--red-50);color:var(--accent);display:grid;place-items:center;font:900 18px/1 var(--font-body)}
.me-faq details[open] summary::after{content:"\2212";background:var(--accent);color:#fff}
.me-faq details > div{padding:0 20px 20px;color:var(--text-muted);max-width:72ch}
.me-faq details > div p{margin:0 0 10px}

/* ---------- Review stamp ---------- */
.me-stamp{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:13px;color:var(--text-muted);padding-top:var(--space-4);border-top:1px solid var(--border)}
.me-stamp a{color:var(--navy-500)}

/* ---------- Prose (legal pages) ---------- */
.me-prose{max-width:760px;margin-inline:auto;padding-block:var(--space-8) var(--space-9)}
.me-prose h1{font:900 clamp(34px,4.4vw,46px)/1.04 var(--font-display);font-stretch:85%;color:var(--text-heading);margin:0 0 var(--space-5)}
.me-prose h2{font:800 20px/1.25 var(--font-display);color:var(--text-heading);margin:var(--space-6) 0 var(--space-2)}
.me-prose h3{font-size:17px;color:var(--text-heading);margin:var(--space-5) 0 var(--space-2)}
.me-prose p,.me-prose li{max-width:68ch}
.me-prose a{color:var(--navy-500)}

/* ---------- Footer + legal ---------- */
.me-footer{background:var(--navy-900);color:var(--navy-300);font-size:15px}
.me-footer .me-container{padding-block:var(--space-8) var(--space-6);display:flex;flex-direction:column;gap:var(--space-6)}
.me-footer__grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:var(--space-6)}
.me-footer h4{color:#fff;font-size:13px;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px}
.me-footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.me-footer a{color:#D5DDEB;text-decoration:none}
.me-footer a:hover{color:#fff}
.me-footer__logo img{height:64px;width:auto;margin-bottom:14px}
.me-footer__tag{font:900 22px/1 var(--font-display);font-stretch:78%;text-transform:uppercase;color:#fff;letter-spacing:.02em}
.me-legal{border-top:1px solid rgba(255,255,255,.12);padding-top:var(--space-5);font-size:13px;line-height:1.7;display:flex;gap:18px;align-items:flex-start}
.me-legal a{color:#D5DDEB;text-decoration:underline}
.me-ehl{flex:none;width:46px;height:46px}

/* ---------- Mobile action bar ---------- */
.me-mobilebar{display:none}

/* ---------- Responsive ---------- */
@media (max-width:1040px){
  .me-nav,.me-header__phone{display:none}
  .me-menu{display:block}
  .me-header{position:sticky}
  .me-header__bar{position:relative}
  .me-hero__inner,.me-split,.me-split--wide,.me-panels,.me-profile{grid-template-columns:1fr}
  .me-trustrow{grid-template-columns:1fr}
  .me-calc,.me-fit{grid-template-columns:1fr}
  .me-statement{grid-template-columns:1fr;gap:var(--space-5)}
  .me-statement__mark{width:84px;height:84px}
  .me-footer__grid{grid-template-columns:1fr 1fr}
  .me-tiles__grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .me{font-size:16px}
  .me-section{padding-block:var(--space-8)}
  .me-hero__inner{padding-block:var(--space-8)}
  .me-hero__lede,.me-lede{font-size:17px}
  .me-intent,.me-compare,.me-panel,.me-quote{padding:var(--space-5)}
  .me-profile .me-frame{max-width:240px}
  .me-header__logo img{height:44px}
  .me-header__cta .me-btn{display:none}
  .me-topbar .me-hide-sm{display:none}
  .me-topbar .me-container{justify-content:center}
  .me-footer__grid{grid-template-columns:1fr}
  .me-team{grid-template-columns:1fr 1fr;gap:var(--space-4)}
  .me-tile{min-height:150px}
  .me-calc__inputs{grid-template-columns:1fr;padding:var(--space-5)}
  .me-calc__out{padding:var(--space-5)}
  .me-calc__total b{font-size:52px}
  .me-glance{padding:var(--space-5)}
  .me-glance dd{font-size:24px}
  .me-spec th{width:40%}
  .me-spec th,.me-spec td{padding:12px 14px;font-size:15px}
  .me-subnav .me-btn{display:none}
  .me-mobilebar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:50;background:#fff;border-top:1px solid var(--border);padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px))}
  .me-mobilebar .me-btn{min-height:48px;padding:0 10px}
  .me-footer{padding-bottom:72px}
}
@media (max-width:400px){:root{--gutter:16px}}
@media (prefers-reduced-motion:reduce){.me *{transition:none!important;scroll-behavior:auto!important}}

/* =========================================================
   COMMUNITY LAYER (v2) · photo hero, proof band, causes,
   mosaic, organizations strip, stories, gallery
   ========================================================= */
.me-hero--photo{background-color:var(--navy-900);background-image:linear-gradient(90deg,rgba(7,22,47,.96) 0%,rgba(7,22,47,.88) 38%,rgba(10,31,68,.55) 70%,rgba(10,31,68,.35) 100%),var(--hero-img);background-size:cover;background-position:center 30%}
.me-hero--photo::before{opacity:.10}
.me-hero__since{display:inline-flex;align-items:center;gap:12px;font:900 15px/1 var(--font-display);font-stretch:85%;letter-spacing:.12em;text-transform:uppercase;color:#fff}
.me-hero__since b{display:grid;place-items:center;width:64px;height:64px;border:3px solid var(--red-400);border-radius:50%;font-size:20px;letter-spacing:0;color:#fff}
.me-hero__sub{font:800 22px/1.3 var(--font-display);font-stretch:90%;color:#fff;margin:0}

.me-proof{background:var(--navy-900);color:#fff;--ring:var(--focus)}
.me-proof .me-container{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.me-proof__item{padding:var(--space-6) var(--space-5);border-left:1px solid rgba(255,255,255,.12);display:flex;flex-direction:column;gap:6px}
.me-proof__item:first-child{border-left:0}
.me-proof__item b{font:900 44px/.95 var(--font-display);font-stretch:78%;letter-spacing:-.01em}
.me-proof__item b em{font-style:normal;color:var(--red-400)}
.me-proof__item span{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-300)}

.me-mosaic{display:grid;grid-template-columns:2fr 1fr 1fr;grid-template-rows:240px 240px;gap:var(--space-3)}
.me-mosaic figure{margin:0;position:relative;overflow:hidden;border-radius:var(--radius-md);background:var(--navy-100)}
.me-mosaic figure:first-child{grid-row:span 2}
.me-mosaic img{width:100%;height:100%;object-fit:cover;object-position:center 70%;transition:transform .4s}
.me-mosaic figure:hover img{transform:scale(1.04)}
.me-mosaic figcaption{position:absolute;left:0;right:0;bottom:0;padding:28px 14px 12px;background:linear-gradient(transparent,rgba(5,15,34,.85));color:#fff;font-size:13px;font-weight:700;letter-spacing:.04em}

.me-causes{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-5)}
.me-cause{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-3);text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s,box-shadow .15s}
.me-cause:hover{border-color:var(--navy-800);transform:translateY(-2px);box-shadow:var(--shadow-md)}
.me-cause svg{width:88px;height:88px}
.me-cause .me-h3{color:var(--navy-800)}
.me-cause p{margin:0;color:var(--slate);font-size:15.5px}
.me-cause .me-link{margin-top:auto}

.me-orgs{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:var(--space-3) var(--space-6);padding-block:var(--space-6);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.me-orgs__label{flex-basis:100%;text-align:center;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--slate)}
.me-org{display:flex;flex-direction:column;align-items:center;gap:2px;text-align:center}
.me-org b{font:900 26px/1 var(--font-display);font-stretch:80%;color:var(--navy-800);letter-spacing:.02em}
.me-org span{font-size:12px;color:var(--slate);max-width:180px}

.me-story{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-7);align-items:center}
.me-story + .me-story{margin-top:var(--space-9)}
.me-story--flip > :first-child{order:2}
.me-story > *{min-width:0}
.me-story__media{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-3)}
.me-story__media img{width:100%;height:100%;aspect-ratio:4/5;object-fit:cover;border-radius:var(--radius-md)}
.me-story__media img:first-child{grid-column:span 2;aspect-ratio:16/10}
.me-story__media--one img{aspect-ratio:4/3}
.me-story__media--one{grid-template-columns:1fr}
.me-story__media--one img:first-child{grid-column:auto}
.me-story p{margin:0}
.me-story .me-stack{gap:var(--space-4)}
.me-story ul{margin:0;padding-left:20px;color:var(--slate);display:flex;flex-direction:column;gap:6px}
.me-story__tag{display:inline-flex;align-items:center;gap:10px}
.me-story__tag svg{width:64px;height:64px}

.me-gallery{columns:3 260px;column-gap:var(--space-3)}
.me-gallery img{width:100%;margin-bottom:var(--space-3);border-radius:var(--radius-md);break-inside:avoid}

@media (max-width:1040px){
  .me-proof .me-container{grid-template-columns:1fr 1fr}
  .me-proof__item:nth-child(3){border-left:0}
  .me-proof__item:nth-child(n+3){border-top:1px solid rgba(255,255,255,.12)}
  .me-causes{grid-template-columns:1fr}
  .me-story,.me-story--flip{grid-template-columns:1fr}
  .me-story--flip > :first-child{order:0}
  .me-mosaic{grid-template-columns:1fr 1fr;grid-template-rows:260px 180px 180px}
  .me-mosaic figure:first-child{grid-column:span 2;grid-row:auto}
  .me-hero--photo{background-image:linear-gradient(180deg,rgba(7,22,47,.80) 0%,rgba(7,22,47,.94) 55%),var(--hero-img)}
}
@media (max-width:640px){
  .me-proof__item{padding:var(--space-5) var(--space-4)}
  .me-proof__item b{font-size:34px}
  .me-mosaic{grid-template-rows:200px 140px 140px}
  .me-hero__sub{font-size:19px}
}

/* =========================================================
   SPOT ILLUSTRATIONS (v2) · original line art, brand colors
   ========================================================= */
.me-art{display:block;flex:none}
.me-card .me-art{width:76px;height:76px;margin:-4px 0 4px -6px;transition:transform .2s}
.me-card:hover .me-art{transform:translateY(-3px) rotate(-3deg)}
.me-panel .me-art{width:84px;height:84px;margin-bottom:var(--space-2)}
.me-steps--art li{grid-template-columns:84px 1fr;align-items:center}
.me-steps--art li::before{display:none}
.me-steps__art{position:relative;width:84px;height:84px}
.me-steps__art .me-art{width:84px;height:84px}
.me-steps__art b{position:absolute;left:-4px;top:-2px;width:30px;height:30px;border-radius:50%;background:var(--navy-800);color:#fff;font:900 13px/30px var(--font-display);text-align:center;box-shadow:0 0 0 3px #fff}
.me-steps--art li:first-child .me-steps__art b{background:var(--accent)}
.me-glance__head{display:flex;align-items:center;gap:var(--space-3)}
.me-glance__head .me-art{width:64px;height:64px}
@media (max-width:640px){
  .me-steps--art li{grid-template-columns:68px 1fr}
  .me-steps__art,.me-steps__art .me-art{width:68px;height:68px}
  .me-card .me-art{width:64px;height:64px}
}