/* =========================================
   ME Authority
   Authority page wrappers and authority only modules
   No global primitives
   No calculators
   No forms
   ========================================= */

/* =========================================
   Authority aliases for legacy selectors
   Do not redefine foundation tokens here
   ========================================= */

:root{
  --me-heading: var(--me-ink);
  --me-section-bg: var(--me-surface);
}

/* =========================================
   Mortgage Rate Determination Stack
   ========================================= */

.me-rate-stack{
  --me-stack-max: 840px;
  --me-stack-top-max: 520px;
  --me-stack-gap: 24px;
  --me-stack-radius: 12px;
  --me-stack-border: rgba(0, 0, 0, 0.12);
  --me-stack-border-strong: rgba(0, 0, 0, 0.18);
  --me-stack-text: var(--me-text);
  --me-stack-muted: var(--me-muted);
  --me-stack-accent: var(--me-ink);

  max-width: var(--me-stack-max);
  margin: 40px auto 0;
  padding: 0 16px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  box-sizing: border-box;
}

.me-rate-stack *,
.me-rate-stack *::before,
.me-rate-stack *::after{
  box-sizing: border-box;
}

.me-rate-stack__card,
.me-rate-stack__footer{
  width: 100%;
  max-width: var(--me-stack-max);
  margin: var(--me-stack-gap) auto 0;
  overflow-wrap: anywhere;
}

.me-rate-stack__card{
  background: #ffffff;
  border: 1px solid var(--me-stack-border);
  border-radius: var(--me-stack-radius);
  padding: 18px 18px 16px;
}

.me-rate-stack__card--top{
  max-width: var(--me-stack-top-max);
  background: transparent;
  border-style: dashed;
  padding: 14px 18px;
  margin-top: 20px;
}

.me-rate-stack__card--base{
  border-color: var(--me-stack-border-strong);
}

.me-rate-stack__title{
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--me-stack-accent);
  font-size: 18px;
  line-height: 1.2;
  margin: 0;
}

.me-rate-stack__card--top .me-rate-stack__title{
  color: var(--me-stack-muted);
  font-size: 16px;
}

.me-rate-stack__list{
  list-style: none;
  padding: 10px 0 0;
  margin: 0;
  color: var(--me-stack-text);
  font-size: 16px;
  line-height: 1.6;
}

.me-rate-stack__list li{
  margin: 4px 0;
}

.me-rate-stack__footer{
  color: var(--me-stack-muted);
  font-size: 16px;
  text-align: center;
  margin-top: 22px;
}

@media (max-width: 480px){
  .me-rate-stack{
    padding: 0 12px;
    margin-top: 32px;
  }

  .me-rate-stack__card{
    padding: 16px 14px 14px;
  }

  .me-rate-stack__title{
    font-size: 17px;
  }

  .me-rate-stack__list{
    font-size: 15px;
  }
}

/* =========================================
   Authority Page System
   ========================================= */

.me-authority-hero{
  background: var(--me-section-bg);
  padding: 72px 20px;
}

.me-authority-hero__inner{
  max-width: 960px;
  margin: 0 auto;
}

.me-authority-hero h1{
  color: var(--me-heading);
  margin: 0 0 16px;
}

.me-authority-hero__lead{
  font-size: 1.15rem;
  line-height: 1.55;
  margin: 0 0 16px;
  color: var(--me-text);
  max-width: 72ch;
}

.me-authority-hero p{
  margin: 0 0 14px;
  color: var(--me-text);
  line-height: 1.65;
  max-width: 78ch;
}

.me-authority-hero__callout{
  margin-top: 20px;
  padding: 16px 18px;
  background: #ffffff;
  border-radius: 12px;
  box-shadow: var(--me-shadow-soft);
  border: 1px solid var(--me-border);
  max-width: 78ch;
}

/* Sections */
.me-authority-section{
  background: #ffffff;
  padding: 72px 20px;
}

.me-authority-section--alt{
  background: var(--me-section-bg);
  border-top: 1px solid rgba(0,0,0,.04);
  border-bottom: 1px solid rgba(0,0,0,.04);
}

.me-authority-section__inner{
  max-width: 960px;
  margin: 0 auto;
}

.me-authority-section h2{
  color: var(--me-heading);
  margin: 0 0 16px;
}

.me-authority-section p{
  margin: 0 0 14px;
  color: var(--me-text);
  line-height: 1.65;
  max-width: 78ch;
}

/* Callouts */
.me-authority-callout{
  margin-top: 20px;
  padding: 18px 20px;
  background: var(--me-section-bg);
  border-radius: 12px;
  border: 1px solid var(--me-border);
}

.me-authority-callout p{
  margin: 0;
}

/* Callouts inside beige bands pop as white cards */
.me-authority-section--alt .me-authority-callout{
  background:#ffffff;
  max-width:820px;
  margin-left:auto;
  margin-right:auto;
}

/* Grid and cards */
.me-authority-grid{
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  margin-top: 24px;
}

.me-authority-card{
  background: #ffffff;
  border: 1px solid var(--me-border);
  border-radius: var(--me-radius);
  padding: 20px;
  box-shadow: var(--me-shadow-soft);
  transition: transform .15s ease, box-shadow .15s ease;
}

.me-authority-card:hover{
  transform: translateY(-2px);
  box-shadow: var(--me-shadow);
}

.me-authority-card h3{
  color: var(--me-heading);
  margin: 0 0 10px;
}

.me-authority-card ul{
  margin: 10px 0 12px 18px;
  padding: 0;
}

.me-authority-card li{
  margin-bottom: 6px;
}

/* White on white separation */
.me-authority-section + .me-authority-section:not(.me-authority-section--alt){
  border-top:1px solid rgba(0,0,0,.04);
}

/* White canvas safety */
.me-authority-hero,
.me-authority-section{
  position:relative;
}

.me-authority-hero::before,
.me-authority-section::before{
  content:"";
  position:absolute;
  inset:0;
  background:#ffffff;
  z-index:-1;
}

/* =========================================
   Shared Components
   Jump box, hero actions, FAQ, CTA panel
   Component based so pages stay consistent
   ========================================= */

/* Hero actions row */
.me-authority-hero .me-authority-hero__actions{
  margin-top:22px;
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  align-items:center;
}

/* Jump box */
.me-authority-hero .me-authority-jump-box{
  margin-top:22px;
  background:#ffffff;
  border:1px solid var(--me-border);
  border-radius:12px;
  padding:14px 16px;
  box-shadow:var(--me-shadow-soft);
  max-width:78ch;
}

.me-authority-hero .me-authority-jump-label{
  display:block;
  font-size:13px;
  font-weight:600;
  color:var(--me-muted);
  margin-bottom:8px;
  text-transform:uppercase;
  letter-spacing:.04em;
}

.me-authority-hero .me-authority-jump{
  display:flex;
  flex-wrap:wrap;
  gap:8px 10px;
}

.me-authority-hero .me-authority-jump a,
.me-authority-hero .me-authority-jump .me-chip{
  display:inline-flex;
  align-items:center;
  font-size:14px;
  font-weight:600;
  text-decoration:none;
  color:var(--me-ink);
  padding:6px 12px;
  border:1px solid var(--me-border);
  border-radius:999px;
  background:#ffffff;
  transition:all .15s ease;
}

.me-authority-hero .me-authority-jump a:hover,
.me-authority-hero .me-authority-jump .me-chip:hover{
  background:var(--me-section-bg);
  border-color:rgba(43,14,14,.25);
}

/* FAQ accordion
   Applies to any container id ending with -faqs
*/
[id$="faqs"] details{
  background:#ffffff;
  border:1px solid var(--me-border);
  border-radius:12px;
  padding:14px 16px;
  box-shadow:var(--me-shadow-soft);
  margin-top:12px;
}

[id$="faqs"] summary{
  cursor:pointer;
  list-style:none;
  font-weight:650;
  color:var(--me-ink);
  position:relative;
  padding-right:34px;
}

[id$="faqs"] summary::-webkit-details-marker{
  display:none;
}

[id$="faqs"] summary::after{
  content:"+";
  position:absolute;
  right:0;
  top:0;
  width:26px;
  height:26px;
  display:flex;
  align-items:center;
  justify-content:center;
  border-radius:999px;
  border:1px solid var(--me-border);
  color:var(--me-ink);
  font-weight:700;
  line-height:1;
}

[id$="faqs"] details[open] summary::after{
  content:"–";
}

[id$="faqs"] details p{
  margin:12px 0 0;
  max-width:78ch;
}

/* CTA section outer spacing
   Applies to any section id ending with -cta
*/
[id$="cta"]{
  padding-top:72px;
  padding-bottom:88px;
  background:#ffffff;
}

/* CTA panel */
[id$="cta"] .me-authority-cta{
  background:var(--me-ink);
  color:#ffffff;
  border-radius:16px;
  padding:56px;
  text-align:center;
  box-shadow:0 18px 50px rgba(0,0,0,.10);
  max-width:900px;
  margin:0 auto;
}

[id$="cta"] .me-authority-cta h2{
  color:#ffffff;
  margin:0 0 16px;
}

[id$="cta"] .me-authority-cta p{
  color:rgba(255,255,255,.92);
  max-width:62ch;
  margin:0 auto 24px;
}

/* Actions row supports both patterns */
[id$="cta"] .me-authority-cta__actions,
[id$="cta"] .me-cta-row{
  display:flex;
  justify-content:center;
  gap:12px;
  flex-wrap:wrap;
  margin-top:10px;
}

[id$="cta"] .me-btn--ghost{
  border-color:rgba(255,255,255,.70);
  color:#ffffff;
}

[id$="cta"] .me-btn--ghost:hover{
  border-color:#ffffff;
}

[id$="cta"] .me-authority-cta__note,
[id$="cta"] .me-note{
  margin-top:22px;
  font-size:14px;
  line-height:1.55;
  color:rgba(255,255,255,.75);
}

/* CTA responsive */
@media (max-width:900px){
  [id$="cta"] .me-authority-cta{
    padding:36px;
    text-align:left;
  }

  [id$="cta"] .me-authority-cta p{
    margin-left:0;
    margin-right:0;
  }

  [id$="cta"] .me-authority-cta__actions,
  [id$="cta"] .me-cta-row{
    justify-content:flex-start;
  }
}

/* =========================================
   Page specific polish
   Only real exceptions live here
   ========================================= */

/* Mortgage Broker Orlando hero note */
#me-broker-orlando-hero .me-authority-hero__note{
  margin-top:22px;
  background:#ffffff;
  border-radius:12px;
  padding:16px 18px;
  box-shadow:var(--me-shadow-soft);
  border:1px solid var(--me-border);
  max-width:72ch;
}

#me-broker-orlando-hero .me-authority-hero__note p{
  margin:0;
}

#me-broker-orlando-hero .me-authority-hero__note p + p{
  margin-top:6px;
}

/* Mortgage Guidance pathway density polish */
#me-guidance-pathways .me-authority-card ul{
  margin-top:8px;
}

#me-guidance-pathways .me-authority-card li{
  margin-bottom:4px;
}

#me-guidance-how .me-authority-card{
  padding:18px;
}

/* Loan Options scanability */
#me-loan-options-conventional-realities .me-authority-card,
#me-loan-options-fha-realities .me-authority-card,
#me-loan-options-va-realities .me-authority-card{
  padding:18px;
  box-shadow:none;
  border-color:rgba(43,14,14,.08);
}

#me-loan-options-fha,
#me-loan-options-va,
#me-loan-options-compare,
#me-loan-options-orlando,
#me-loan-options-other,
#me-loan-options-choose,
#me-loan-options-faqs{
  border-top:1px solid rgba(0,0,0,.04);
}

#me-loan-options-hero h1{
  margin-bottom:18px;
}

#me-loan-options-why h2,
#me-loan-options-conventional h2,
#me-loan-options-fha h2,
#me-loan-options-va h2,
#me-loan-options-compare h2,
#me-loan-options-orlando h2,
#me-loan-options-other h2,
#me-loan-options-choose h2,
#me-loan-options-faqs h2{
  margin-bottom:14px;
}

/* Mortgage Rates separators */
#me-rates-apr,
#me-rates-points,
#me-rates-orlando,
#me-rates-compare,
#me-rates-faqs{
  border-top:1px solid rgba(0,0,0,.04);
}

/* First Time Homebuyer hero tightening */
#me-ftb-hero .me-authority-hero__callout{
  margin-top:18px;
}

#me-ftb-hero .me-authority-hero__actions{
  margin-top:18px;
}

/* =========================================
   Home
   Homepage modules only
   ========================================= */

.me-home-hero{ padding:20px 0 56px; }

.me-home-hero__grid{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:48px;
  align-items:center;
}

.me-home-hero__copy{ padding-top:0; }

.me-home-hero__media{
  display:flex;
  justify-content:flex-end;
  padding-top:0;
}

.me-home-hero__stack{
  width:100%;
  max-width:420px;
}

.me-home-hero__card{
  width:100%;
  background:#fff;
  border-radius:12px;
  overflow:hidden;
  border:1px solid rgba(0,0,0,.08);
  box-shadow:0 18px 50px rgba(0,0,0,.10);
}

.me-home-hero__img{
  display:block;
  width:100%;
  height:auto;
}

.me-home-hero__logo-row{
  display:flex;
  justify-content:center;
  margin-top:14px;
  opacity:.95;
}

.me-home-hero__logo{
  height:32px;
  width:auto;
}

.me-eyebrow{
  margin-bottom:16px;
  font-size:13px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--me-muted);
}

.me-home-hero__title{
  margin-bottom:16px;   /* tighter */
  line-height:1.05;     /* slightly sharper */
}

.me-home-hero__lead{
  margin-bottom:20px;   /* tighter */
  line-height:1.6;      /* slightly cleaner */
  max-width:520px;
}

.me-home-hero__cta{ 
  margin-bottom:14px;   /* slightly tighter */
}


.me-home-hero__proof-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:6px 18px;
  margin-top:12px;
  margin-bottom:22px;
  font-size:14px;
  color:var(--me-text);
}

.me-home-hero__proof-grid div{ line-height:1.5; }

.me-home-hero__disclaimer{
  margin-top:18px;
  max-width:560px;
}

/* Home differentiation */
.me-home-diff{
  background:#F1ECE6;
  padding:72px 0;
  border-top:1px solid rgba(0,0,0,.04);
}

.me-home-diff .me-wrap{
  padding-left:32px;
  padding-right:32px;
}

.me-home-diff__intro{
  max-width:680px;
  margin-bottom:36px;
}

.me-home-diff__intro h2{ margin-bottom:14px; }

.me-home-diff__intro p{
  font-size:17px;
  line-height:1.6;
  color:var(--me-text);
}

.me-home-diff__grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}

.me-home-diff__card{
  background:#ffffff;
  border-radius:12px;
  padding:22px 22px 24px;
  border:1px solid rgba(0,0,0,.06);
  box-shadow:0 8px 22px rgba(0,0,0,.04);
  transition:transform .18s ease, box-shadow .18s ease;
}

.me-home-diff__card:hover{
  transform:translateY(-3px);
  box-shadow:0 14px 34px rgba(0,0,0,.08);
}

.me-home-diff__card h3{
  margin-bottom:10px;
  font-size:19px;
}

.me-home-diff__card p{
  line-height:1.6;
  font-size:15.5px;
}

/* Home who this is for */
.me-home-for{ padding:72px 0; }

.me-home-for__head{
  max-width:640px;
  margin-bottom:34px;
}

.me-home-for__head p{
  font-size:17px;
  line-height:1.6;
  color:var(--me-text);
}

.me-home-for__grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:26px;
}

.me-home-for__item{
  background:#ffffff;
  border:1px solid rgba(0,0,0,.05);
  border-radius:12px;
  padding:22px;
  box-shadow:0 6px 18px rgba(0,0,0,.035);
  transition:transform .18s ease, box-shadow .18s ease;
}

.me-home-for__item:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 28px rgba(0,0,0,.06);
}

.me-home-for__item h3{ margin-bottom:10px; }

/* Keep base paragraph spacing for readability */
.me-home-for__item p{
  line-height:1.6;
  margin-bottom:10px;
}

/* Links */
.me-home-for__link{ margin:0; }

.me-home-for__link a{ font-weight:600; }

/* Reduce stacked link spacing when multiple links appear in one card */
.me-home-for__item .me-home-for__link + .me-home-for__link{
  margin-top:6px;
}

/* Home reviews */
.me-home-proof{
  background:#ffffff;
  padding:72px 0;
}

.me-home-proof__panel{
  background:#F1ECE6;
  border-radius:12px;
  padding:44px;
  border:1px solid rgba(0,0,0,.05);
  box-shadow:0 14px 34px rgba(0,0,0,.05);
}

.me-home-proof__head{
  max-width:640px;
  margin-bottom:28px;
}

.me-home-proof__head p{
  font-size:17px;
  line-height:1.6;
  color:var(--me-text);
}

.me-home-proof__grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.me-home-proof__card{
  background:#ffffff;
  border-radius:12px;
  padding:22px;
  border:1px solid rgba(0,0,0,.06);
  box-shadow:0 10px 26px rgba(0,0,0,.04);
  position:relative;
}

.me-home-proof__card:before{
  content:"“";
  position:absolute;
  top:12px;
  left:14px;
  font-size:42px;
  line-height:1;
  color:rgba(43,14,14,.22);
  font-weight:700;
}

.me-home-proof__text{
  font-size:15.5px;
  line-height:1.65;
  margin:0 0 12px;
  padding-top:12px;
}

.me-home-proof__meta{
  font-size:14px;
  color:var(--me-muted);
  margin:0;
  font-weight:600;
}

/* Home final CTA */
.me-home-final{
  padding:88px 0 96px;
  background:#FAF9F7;
}

.me-home-final__panel{
  background:#2B0E0E;
  color:#ffffff;
  border-radius:16px;
  padding:56px;
  text-align:center;
}

.me-home-final__panel h2{
  color:#ffffff;
  margin-bottom:16px;
}

.me-home-final__panel p{
  max-width:620px;
  margin:0 auto 28px;
  line-height:1.6;
  font-size:17px;
}

.me-home-final__cta{
  display:flex;
  justify-content:center;
  gap:12px;
  flex-wrap:wrap;
}

/* Keep CTA aligned with foundation token */
.me-home-final .me-btn--primary{ background:var(--me-cta); }

.me-home-final .me-btn--ghost{
  border-color:#ffffff;
  color:#ffffff;
}

@media (max-width:900px){
  .me-home-final__panel{ padding:36px; }
}

/* Home authority strip */
.me-home-authority-strip{
  background:#FAF9F7;
  padding:28px 0 36px;
}

.me-home-authority-strip__inner{
  text-align:center;
  font-size:14px;
  color:var(--me-muted);
  line-height:1.6;
}

/* Home responsive */
@media (max-width:900px){
  .me-home-hero__grid{
    grid-template-columns:1fr;
    gap:28px;
  }

  .me-home-hero__media{ justify-content:flex-start; }

  .me-home-hero__stack{ max-width:520px; }

  .me-home-diff__grid{ grid-template-columns:1fr; }

  .me-home-for__grid{ grid-template-columns:1fr; }

  .me-home-proof__grid{ grid-template-columns:1fr; }

  .me-home-proof__panel{ padding:28px; }
}

@media (max-width:768px){
  .me-home-hero{ padding:14px 0 44px; }
}

/* Slight hierarchy for stacked deep links */
.me-home-for__item .me-home-for__link + .me-home-for__link a{
  font-size:14px;
}
/* Home calculators strip */
.me-home-calculators{
  padding:40px 0 56px;
  text-align:center;
}

.me-home-calculators__title{
  margin-bottom:10px;
  font-size:18px;
  color:var(--me-ink);
}

.me-home-calculators__desc{
  max-width:620px;
  margin:0 auto 14px;
  color:var(--me-muted);
  font-size:15px;
}

.me-home-calculators__links{
  display:flex;
  justify-content:center;
  gap:16px;
  flex-wrap:wrap;
  font-size:14px;
}

.me-home-calculators__links a{
  text-decoration:underline;
  text-underline-offset:3px;
  color:var(--me-ink);
}

/* =========================================
   Buying a Home
   Page wiring only
   Keep unique FAQ skin and CTA tweaks here
   ========================================= */

/* Alias so older page markup stays consistent */
#me-bah-hero .me-authority-link,
#bah-sequence .me-authority-link,
#bah-underwriting .me-authority-link,
#bah-breaks .me-authority-link,
#bah-florida-risks .me-authority-link,
#bah-orlando .me-authority-link,
#bah-timeline .me-authority-link,
#bah-mistakes .me-authority-link,
#bah-faq .me-authority-link,
#bah-cta .me-authority-link{
  color:var(--me-ink);
  text-decoration:underline;
  text-underline-offset:3px;
}

#me-bah-hero .me-authority-link:hover,
#bah-sequence .me-authority-link:hover,
#bah-underwriting .me-authority-link:hover,
#bah-breaks .me-authority-link:hover,
#bah-florida-risks .me-authority-link:hover,
#bah-orlando .me-authority-link:hover,
#bah-timeline .me-authority-link:hover,
#bah-mistakes .me-authority-link:hover,
#bah-faq .me-authority-link:hover,
#bah-cta .me-authority-link:hover{
  text-decoration-thickness:2px;
}

/* Hero tightening */
#me-bah-hero .me-authority-grid{
  gap:18px;
}

/* Section rhythm */
#bah-sequence,
#bah-underwriting,
#bah-breaks,
#bah-florida-risks,
#bah-orlando,
#bah-timeline,
#bah-mistakes,
#bah-faq{
  padding-top:84px;
  padding-bottom:84px;
}

/* Premium headline typography for this page only */
#me-bah-hero h1{
  letter-spacing:-0.015em;
  line-height:1.03;
  font-size:clamp(36px,4.4vw,56px);
  margin-bottom:14px;
}

#me-bah-hero .me-kicker{
  letter-spacing:0.11em;
}

#me-bah-hero .me-authority-hero__lead{
  font-size:18px;
  line-height:1.6;
  max-width:70ch;
}

@media (max-width:768px){
  #me-bah-hero .me-authority-hero__lead{
    font-size:16px;
  }
}

/* Text readability control */
#bah-underwriting p,
#bah-florida-risks p,
#bah-orlando p,
#bah-mistakes p{
  max-width:72ch;
}

/* Grid helpers */
.me-authority-grid--2{ grid-template-columns:repeat(2, 1fr); }
.me-authority-grid--3{ grid-template-columns:repeat(3, 1fr); }

@media (max-width:900px){
  .me-authority-grid--2,
  .me-authority-grid--3{
    grid-template-columns:1fr;
  }
}

/* Softer cards */
.me-authority-card--soft{
  background:#ffffff;
  border:1px solid var(--me-border);
  border-radius:var(--me-radius);
  box-shadow:var(--me-shadow-soft);
}

/* List styling */
.me-authority-list{
  margin:10px 0 0 18px;
  padding:0;
}

.me-authority-list li{
  margin-bottom:6px;
}

/* Jump links */
#me-bah-hero .me-authority-jump-link{
  display:inline-flex;
  align-items:center;
  border:1px solid var(--me-border);
  background:var(--me-surface);
  border-radius:999px;
  padding:7px 10px;
  font-size:13px;
  line-height:1.1;
  text-decoration:none;
}

#me-bah-hero .me-authority-jump-link:hover{
  border-color:rgba(0,0,0,0.18);
  box-shadow:var(--me-shadow-soft);
}

/* FAQ module */
#bah-sequence .me-authority-faq,
#bah-faq .me-authority-faq{
  margin-top:14px;
}

#bah-sequence .me-authority-faq-item,
#bah-faq .me-authority-faq-item{
  background:#ffffff;
  border:1px solid var(--me-border);
  border-radius:12px;
  box-shadow:var(--me-shadow-soft);
  overflow:hidden;
}

#bah-sequence .me-authority-faq-item + .me-authority-faq-item,
#bah-faq .me-authority-faq-item + .me-authority-faq-item{
  margin-top:10px;
}

#bah-sequence .me-authority-faq-item > summary,
#bah-faq .me-authority-faq-item > summary{
  list-style:none;
}

#bah-sequence .me-authority-faq-item > summary::-webkit-details-marker,
#bah-faq .me-authority-faq-item > summary::-webkit-details-marker{
  display:none;
}

#bah-sequence .me-authority-faq-item > summary,
#bah-faq .me-authority-faq-item > summary{
  cursor:pointer;
  padding:14px 16px;
  font-weight:600;
  color:var(--me-ink);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}

#bah-sequence .me-authority-faq-item > summary::after,
#bah-faq .me-authority-faq-item > summary::after{
  content:"";
  width:10px;
  height:10px;
  border-right:2px solid rgba(0,0,0,0.42);
  border-bottom:2px solid rgba(0,0,0,0.42);
  transform:rotate(45deg);
  flex:0 0 auto;
  margin-left:8px;
}

#bah-sequence .me-authority-faq-item[open] > summary::after,
#bah-faq .me-authority-faq-item[open] > summary::after{
  transform:rotate(-135deg);
}

#bah-sequence .me-authority-faq-body,
#bah-faq .me-authority-faq-body{
  padding:0 16px 14px;
}

#bah-sequence .me-authority-faq-body p,
#bah-faq .me-authority-faq-body p{
  margin:10px 0 0;
}

#bah-sequence .me-authority-faq-body p:first-child,
#bah-faq .me-authority-faq-body p:first-child{
  margin-top:6px;
}

/* CTA styling */
#bah-cta{
  background:#ECE6DE;
  padding-top:88px;
  padding-bottom:88px;
}

#bah-cta .me-authority-card{
  box-shadow:0 8px 22px rgba(0,0,0,0.06);
}

#bah-cta .me-authority-cta-row{
  margin-top:28px;
  display:flex;
  justify-content:center;
}

#bah-cta .me-authority-mini{
  margin-top:16px;
  font-size:14px;
  text-align:center;
  color:var(--me-muted);
}


/* =========================================
   Buy Now or Wait
   Page wiring only
   ========================================= */

#me-bynw-hero{
  background:var(--me-surface-alt);
  padding-top:36px;
}

@media (min-width:782px){
  #me-bynw-hero{
    padding-top:28px;
  }
}

#me-bynw-hero .me-authority-hero__inner{
  background:#ffffff;
  border:1px solid rgba(0,0,0,0.08);
  border-radius:14px;
  box-shadow:var(--me-shadow-soft);
  padding:28px 26px;
}

/* =========================================
   Debt consolidation and cash out refinance
   Page wiring only
   ========================================= */

#me-dc-hero{
  background: var(--me-section-bg);
  padding-top:56px;
  padding-bottom:56px;
}

#me-dc-hero .me-authority-hero__inner{
  max-width:960px;
  background:#ffffff;
  border:1px solid rgba(0,0,0,0.08);
  border-radius:14px;
  box-shadow:var(--me-shadow-soft);
  padding:28px 26px;
}

#me-dc-hero h1{ margin-bottom:14px; }

#me-dc-hero .me-authority-hero__lead{
  margin-bottom:12px;
  max-width:72ch;
}

#me-dc-hero p{ margin-bottom:12px; }

#me-dc-hero .me-authority-jump-box{
  margin-top:16px;
  margin-bottom:10px;
}

#me-dc-hero .me-authority-hero__actions{
  margin-top:14px;
}

#me-dc-hero .me-authority-hero__callout{
  margin-top:16px;
  max-width:78ch;
  background:var(--me-section-bg);
  border-color:rgba(0,0,0,0.08);
}

/* Beige band air for this page only */
#me-dc-tradeoff,
#me-dc-when-no,
#me-dc-tools{
  padding-top:84px;
  padding-bottom:84px;
}

#me-dc-tradeoff{
  background:#F6F2EC;
}
/* FHA Orlando stack grid helper */
.me-authority-grid--stack{
  grid-template-columns:1fr;
}