:root{--ink:#172c33;--muted:#5c6b6c;--border:#d8dcd6;--paper:#f8f7f1;--white:#fffefb;--accent:#d36945;--accentdark:#9d442b;--sage:#dce9df;--shade:#ecede7;--blue:#e7eded;--serif:Georgia,'Times New Roman',serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:16px;line-height:1.64}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}button,input,select,textarea{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.48}img,svg{max-width:100%}p{margin:0 0 1.1rem;color:var(--muted)}h1,h2,h3{font-weight:500;line-height:1.09;margin:0 0 1rem;letter-spacing:-.045em}h1,h2{font-family:var(--serif)}h1{font-size:clamp(3.25rem,6.7vw,6.2rem)}h2{font-size:clamp(2.25rem,4vw,3.8rem)}h3{font-size:1.25rem;letter-spacing:-.025em;font-weight:700}.wrap{width:min(1160px,calc(100% - 60px));margin:auto}.smallwrap{width:min(840px,calc(100% - 44px));margin:auto}.eyebrow{font-size:.73rem;letter-spacing:.19em;font-weight:800;text-transform:uppercase;color:var(--accentdark);display:block;margin-bottom:1.15rem}.meta{font-size:.85rem;color:var(--muted)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:1rem;background:var(--accent);color:#fff;border:1px solid var(--accent);font-weight:700;line-height:1.2;padding:17px 24px;text-decoration:none;border-radius:3px;min-height:53px;transition:transform .15s,background .15s}.btn:hover{background:var(--accentdark);border-color:var(--accentdark);text-decoration:none;transform:translateY(-1px)}.btn.dark{background:var(--ink);border-color:var(--ink)}.btn.dark:hover{background:#284951}.btn.ghost{background:transparent;border-color:var(--ink);color:var(--ink)}.btn.ghost:hover{background:#e9ebe5}.btn.small{padding:10px 18px;min-height:40px;font-size:.88rem}.arrow{font-size:1.25rem;line-height:0}.topnotice{background:var(--ink);color:#d8e1de;text-align:center;font-size:.75rem;letter-spacing:.02em;padding:7px 15px}.topnotice strong{color:#fff}.nav{background:var(--paper);border-bottom:1px solid var(--border);position:relative;z-index:10}.nav-inner{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none!important;font-weight:800;letter-spacing:-.038em;font-size:1.05rem;line-height:1.04}.brandmark{height:38px;width:38px;background:var(--ink);display:grid;place-items:center;border-radius:2px}.brandmark svg{width:23px;height:23px}.brand small{display:block;font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:4px}.nav-links{display:flex;align-items:center;gap:30px;font-size:.85rem;font-weight:700}.nav-links>a:not(.btn):hover{color:var(--accentdark)}.menu{display:none;border:1px solid var(--border);background:transparent;padding:8px 11px;border-radius:2px;font-weight:700}.hero{position:relative;overflow:hidden;border-bottom:1px solid var(--border)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:stretch;min-height:650px}.hero-copy{padding:98px 50px 82px 0;position:relative;z-index:1}.hero-copy h1{max-width:700px;margin-bottom:30px}.hero-copy h1 em{font-weight:400;font-style:italic;color:var(--accentdark)}.hero-copy>p{font-size:1.13rem;max-width:495px;line-height:1.7;color:#536263;margin-bottom:32px}.hero-actions{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.small-note{margin-top:24px!important;font-size:.81rem!important;color:#78837d!important}.diagram-panel{background:#e1e8e2;min-height:580px;display:flex;align-items:center;justify-content:center;position:relative;isolation:isolate;padding:35px 20px}.diagram-panel:before{content:"";position:absolute;inset:0;opacity:.4;background-image:linear-gradient(#b6c9bf 1px,transparent 1px),linear-gradient(90deg,#b6c9bf 1px,transparent 1px);background-size:36px 36px;z-index:-1}.diagram-label{position:absolute;left:35px;top:34px;font-size:.72rem;letter-spacing:.19em;text-transform:uppercase;font-weight:800;color:#35565a}.diagram-index{position:absolute;right:34px;bottom:25px;font-size:.8rem;font-weight:700;color:#59736a}.diagram-panel svg{filter:drop-shadow(0 15px 19px rgba(36,66,57,.08));width:100%;max-height:500px}.stripe{display:flex;justify-content:space-between;gap:32px;align-items:center;padding:30px 0;border-bottom:1px solid var(--border)}.stripe-item{font-size:.87rem;font-weight:700;color:#455d5e;display:flex;gap:10px;align-items:center}.stripe-item b{display:grid;place-items:center;background:#dbe7dc;border-radius:50%;height:26px;width:26px;font-size:.9rem;color:#2f644b}.section{padding:105px 0}.section.light{background:var(--white)}.section.soft{background:var(--blue)}.section-heading{max-width:680px;margin-bottom:52px}.section-heading p{font-size:1.05rem}.steps{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #bbc7c2;gap:0}.step{padding:28px 44px 14px 0;margin-right:35px;border-right:1px solid #cbd1cb}.step:last-child{border:0}.step-num{display:block;font-family:var(--serif);font-size:3.3rem;color:#d16c4d;line-height:1;margin-bottom:22px}.step h3{margin-bottom:14px}.step p{font-size:.93rem}.split{display:grid;grid-template-columns:.8fr 1.2fr;gap:10%;align-items:start}.split-aside{position:sticky;top:30px}.notice-list{border-top:1px solid var(--border)}.notice-line{display:grid;grid-template-columns:110px 1fr auto;gap:22px;align-items:center;border-bottom:1px solid var(--border);padding:28px 0}.notice-line .code{font-family:var(--serif);font-style:italic;font-size:1.35rem;color:var(--accentdark)}.notice-line h3{margin:0 0 7px}.notice-line p{margin:0;font-size:.88rem}.notice-line .duration{font-size:.73rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;white-space:nowrap;color:#536865}.note-box{padding:23px 26px;border-left:3px solid var(--accent);background:#f5efe9;font-size:.9rem;color:#43565b}.note-box strong{color:var(--ink)}.cta{background:var(--ink);color:#fff;padding:85px 0;position:relative;overflow:hidden}.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:45px}.cta h2{font-size:clamp(2.3rem,4vw,4.5rem);max-width:690px;margin:0}.cta p{color:#cfdbd6;margin:12px 0 0}.cta .eyebrow{color:#ffc0a6}.cta .btn{white-space:nowrap}.faq{display:grid;grid-template-columns:1fr 1.15fr;gap:12%}.faq details{border-bottom:1px solid var(--border);padding:19px 0}.faq summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:20px}.faq summary::after{content:'+';font-size:1.3rem;color:var(--accentdark)}.faq details[open] summary::after{content:'–'}.faq details p{padding-top:13px;margin-bottom:0}.footer{background:#e9ece5;padding:55px 0 30px;border-top:1px solid #cad3ca}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footer p{font-size:.85rem;max-width:330px}.footer h4{font-size:.7rem;text-transform:uppercase;letter-spacing:.13em;margin:0 0 18px}.footer a:not(.brand){display:block;font-size:.88rem;margin:9px 0;color:#46595b}.footer-bottom{border-top:1px solid #cbd4ca;margin-top:46px;padding-top:20px;color:#6d7a75;font-size:.73rem;display:flex;justify-content:space-between;gap:15px}.subhero{border-bottom:1px solid var(--border);padding:83px 0 78px;background:linear-gradient(90deg,var(--paper) 0 75%,#e5eae3 75% 100%)}.subhero h1{font-size:clamp(2.65rem,5vw,4.9rem);max-width:800px;margin:0 0 20px}.subhero p{max-width:670px;font-size:1.05rem;margin-bottom:0}.article{padding:65px 0 100px}.article h2{font-size:2.05rem;margin-top:45px}.article h3{margin-top:25px}.article p,.article li{font-size:1rem;line-height:1.85}.article ul{padding-left:24px}.article a{color:#a7432c;text-decoration:underline;text-underline-offset:3px}.article .note-box{margin:25px 0}.article-cta{margin-top:45px;padding:28px;background:#e4ece5;display:flex;align-items:center;justify-content:space-between;gap:22px}.article-cta p{margin:0;font-size:.9rem}.builder-hero{padding:60px 0 40px;border-bottom:1px solid var(--border)}.builder-hero h1{font-size:clamp(2.7rem,5vw,4.3rem);margin-bottom:16px}.builder-hero p{max-width:670px;font-size:1.02rem}.builder-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:65px;padding:45px 0 100px;align-items:start}.form-progress{display:flex;gap:8px;margin-bottom:32px}.form-progress span{display:block;flex:1;height:5px;background:#d3d9d1;border-radius:1px}.form-progress span.current{background:var(--accent)}.form-sheet{background:#fffefb;border:1px solid #d5dad1;padding:40px 42px 36px;box-shadow:7px 7px 0 #e5e7de}.form-step{display:none}.form-step.active{display:block}.form-sheet h2{font-size:2.4rem;margin:10px 0 12px}.form-sheet p{font-size:.94rem;line-height:1.65}.form-field{margin:24px 0}.form-field label{display:block;font-weight:750;font-size:.87rem;margin-bottom:9px}.form-field input,.form-field select,.form-field textarea{background:#fff;border:1px solid #b9c6c0;border-radius:2px;display:block;width:100%;padding:13px 14px;min-height:50px;color:var(--ink)}.form-field textarea{min-height:125px;resize:vertical}.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:2px solid #c77b62;outline-offset:1px}.form-field small{display:block;font-size:.77rem;color:#697773;margin-top:6px;line-height:1.5}.option-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}.choice{display:block;cursor:pointer}.choice input{position:absolute;opacity:0}.choice-inner{display:block;border:1px solid #bdc8c0;background:#fff;padding:19px 16px;min-height:138px;transition:background .15s,border .15s}.choice-inner b{display:block;line-height:1.4;margin-bottom:7px}.choice-inner small{display:block;font-size:.79rem;line-height:1.5;color:#65716d}.choice input:checked+.choice-inner{border:2px solid var(--accent);background:#fff6ef;padding:18px 15px}.choice input:focus-visible+.choice-inner{outline:2px solid var(--ink);outline-offset:2px}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:32px;flex-wrap:wrap}.builder-aside{position:sticky;top:25px}.aside-panel{background:#e7eee8;padding:28px}.aside-panel .eyebrow{margin-bottom:13px}.aside-panel h3{font-family:var(--serif);font-size:1.7rem;font-weight:400}.aside-panel p{font-size:.85rem}.aside-panel ul{padding-left:20px;color:#52645f;font-size:.82rem;line-height:1.9}.aside-rule{border-top:1px solid #c7d4ca;padding-top:20px;margin-top:20px;font-size:.83rem;color:#56675f}.alert{border-left:3px solid var(--accent);background:#fff1e8;padding:17px 18px;color:#6b4435;font-size:.89rem;line-height:1.6;margin:20px 0}.alert.good{background:#e3f1e5;border-left-color:#3d8060;color:#335a46}.error{color:#a12b20;font-size:.82rem;min-height:0;margin-top:9px}.review{background:#edf2eb;padding:19px;margin:20px 0;font-size:.89rem}.review dl{display:grid;grid-template-columns:160px 1fr;gap:10px;margin:0}.review dt{font-weight:700}.review dd{margin:0;overflow-wrap:anywhere}.review .wraptext{white-space:pre-wrap}.pill{display:inline-block;padding:5px 10px;background:#e4ede4;font-size:.7rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.help-link{font-weight:700;font-size:.83rem;text-decoration:underline;text-underline-offset:3px}.hide{display:none!important}@media(max-width:1000px){.hero-grid{min-height:540px}.hero-copy{padding:70px 26px 75px 0}.hero h1{font-size:clamp(3.1rem,5.8vw,5rem)}.nav-links{gap:18px}.builder-layout{gap:30px;grid-template-columns:minmax(0,1fr) 255px}.notice-line{grid-template-columns:75px 1fr;gap:13px}.notice-line .duration{grid-column:2}}@media(max-width:750px){.wrap{width:min(100% - 38px,1160px)}.nav-inner{min-height:73px}.menu{display:block}.nav-links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--paper);border-bottom:1px solid var(--border);padding:15px 20px 22px}.nav-links.open{display:flex}.nav-links>a{padding:13px 6px}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:64px 0 55px}.hero-copy h1{font-size:clamp(3.2rem,9.6vw,5.5rem)}.diagram-panel{min-height:375px;margin:0 -19px}.diagram-panel svg{max-height:330px}.stripe{flex-wrap:wrap;gap:13px 25px}.section{padding:67px 0}.steps{grid-template-columns:1fr}.step{padding:22px 0;margin:0;border-right:0;border-bottom:1px solid var(--border)}.step-num{font-size:2.5rem;margin-bottom:13px}.split,.faq{grid-template-columns:1fr;gap:35px}.split-aside{position:static}.notice-line{grid-template-columns:66px 1fr}.cta{padding:66px 0}.cta .wrap{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.builder-layout{grid-template-columns:1fr;padding:25px 0 66px}.builder-aside{position:static;order:2}.form-sheet{padding:30px 23px}.form-sheet h2{font-size:2.1rem}.subhero{padding:65px 0;background:var(--paper)}}@media(max-width:470px){.option-grid{grid-template-columns:1fr}.choice-inner{min-height:auto;padding:16px}.choice input:checked+.choice-inner{padding:15px}.footer-bottom{flex-direction:column}.article-cta{display:block}.article-cta .btn{margin-top:20px}.review dl{grid-template-columns:1fr;gap:4px}.review dt{margin-top:9px}}

.price-callout{border-bottom:1px solid #ced4ce;padding-bottom:18px;margin-bottom:18px;color:#172c33}.price-callout strong{font-size:1.6rem}

#paid-actions.hide{display:none!important}
#checkout-message.payment-confirmed{border-left-color:#234d49;background:#e5eeea;color:#173c39}

/* Recovery link copy confirmation (v4.1). */
.recovery-copy-feedback{flex-basis:100%;font-size:0.9rem;color:#285b4e;line-height:1.45;}
.recovery-copy-feedback:empty{display:none;}

/* Responsive, readable factual guidance tables. */
.article table{width:100%;border-collapse:collapse;margin:25px 0 35px;background:var(--white);font-size:.96rem;}
.article th,.article td{text-align:left;padding:15px 17px;border-bottom:1px solid var(--border);vertical-align:top;}
.article thead th{background:#e5ece6;color:var(--ink);font-size:.85rem;}
.article tr:last-child td{border-bottom:0;}
.article aside ul{margin-bottom:0;}
@media(max-width:600px){.article table{display:block;overflow-x:auto;white-space:normal}.article th,.article td{min-width:135px;padding:12px 10px;}}

/* Editorial guide library: keyboard-friendly, responsive, no duplicate template cards. */
.source-box{margin-top:34px;padding:24px 27px;background:#f0f3ed;border-top:1px solid #c9d7cb;color:#43565b;font-size:.9rem}
.source-box p{font-size:.86rem;margin:8px 0 0}
.related-guides{margin-top:32px;border-top:1px solid #d8dcd6;padding-top:10px}
.related-guides h2{font-size:1.65rem;margin-top:24px}
.guide-directory{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:15px 0 38px}
.guide-directory a{color:var(--ink);text-decoration:none;background:#f0f2ed;border:1px solid #d6ddd6;padding:17px 20px;font-weight:700;display:flex;justify-content:space-between;gap:10px;align-items:center}
.guide-directory a:hover{background:#e4ede5;color:var(--accentdark)}
.guide-feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.guide-feature-grid a{display:flex;flex-direction:column;gap:14px;border:1px solid #cad6cb;padding:23px;text-decoration:none;min-height:145px;transition:background .12s;background:#fffefb}
.guide-feature-grid a:hover{background:#ebf2ed}
.guide-feature-grid strong{font-family:var(--serif);font-size:1.37rem;letter-spacing:-.025em;line-height:1.15;font-weight:500}
.guide-feature-grid span{font-size:.84rem;color:#526664;line-height:1.55}
@media(max-width:800px){.guide-feature-grid{grid-template-columns:1fr 1fr}}
@media(max-width:570px){.guide-directory,.guide-feature-grid{grid-template-columns:1fr}}