:root{--forest:#142d26;--pine:#204b3f;--sage:#d8e4d5;--paper:#f7f5ef;--cream:#eeeade;--white:#fffefa;--ink:#23352e;--muted:#617169;--border:#dcded5;--gold:#b9a36b;--warn:#854822;--warn-bg:#fcf1e5;--danger:#942f2f;--danger-bg:#fbeeed;--positive:#245b42;--shadow:0 8px 32px rgba(16,42,30,.07);font-synthesis:none}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:15px;line-height:1.58;-webkit-font-smoothing:antialiased}h1,h2,h3,p{margin-top:0}h1,h2,.aside-quote,.closing h2{font-family:Georgia,"Times New Roman",serif;font-weight:400}h1 em,h2 em{font-style:italic;color:#b7c9b8}button,input,select{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.5}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #bc8c42;outline-offset:3px}a{color:inherit}.skip{position:absolute;top:-60px;left:12px;padding:12px;background:white;z-index:20}.skip:focus{top:12px}.site-width{width:min(1160px,calc(100% - 44px));margin-inline:auto}
.topbar{background:var(--forest);color:#f4f4ec;border-bottom:1px solid rgba(255,255,255,.1)}.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:87px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brand-mark{display:grid;place-items:center;border:1px solid #b9bea8;color:#e8ebe2;width:43px;height:43px;border-radius:50%;font-family:Georgia,serif;font-size:29px}.brand strong{display:block;font-size:11px;line-height:1.4;letter-spacing:.19em;font-weight:650}.topbar-right{display:flex;align-items:center;gap:28px}.topbar-tag{font-size:10px;letter-spacing:.18em;color:#abbeb1}.home-link{text-decoration:none;font-size:13px;border-bottom:1px solid rgba(255,255,255,.4);padding-bottom:3px}
.hero{background:var(--forest);color:#f3f4ed;margin:0 calc(-1 * max(22px,(100vw - 1160px)/2));padding:72px max(22px,(100vw - 1160px)/2) 80px;display:grid;grid-template-columns:minmax(0,1.7fr) minmax(245px,.8fr);gap:10%;align-items:center}.eyebrow,.section-kicker,.sidebar-label,.tag-label,.aside-label{font-size:10px;font-weight:700;letter-spacing:.22em}.eyebrow{display:flex;align-items:center;gap:12px;color:#ccd9cb}.eyebrow-line{width:26px;height:1px;background:var(--gold)}.version{color:#b1bea8;font-size:9px;margin-left:6px}.hero h1{font-size:clamp(42px,6vw,77px);line-height:1.07;letter-spacing:-.036em;margin:22px 0}.hero-lead{font-size:17px;line-height:1.8;color:#d9e2d8;max-width:640px}.hero-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px}.hero-pills span{border:1px solid #4b6759;padding:8px 12px;border-radius:99px;color:#d9e4d9;font-size:12px}.hero-aside{border-left:1px solid #6b8375;padding-left:29px}.aside-label{color:#d3c299}.aside-quote{font-size:clamp(22px,2.6vw,31px);line-height:1.35;letter-spacing:-.03em}.aside-note{font-size:12px;color:#c4d1c5;line-height:1.8}
.notice{display:flex;align-items:flex-start;gap:15px;border:1px solid #e2d4bc;background:#f9f5ea;padding:16px 20px;border-radius:9px;margin:27px 0 33px;font-size:13px}.notice p{margin:0}.notice-icon{background:#d4c29f;color:#403621;min-width:22px;height:22px;display:grid;place-items:center;border-radius:50%;font-weight:700}
.workbench{display:grid;grid-template-columns:270px minmax(0,1fr);gap:36px;align-items:start;margin-bottom:95px}.sidebar-sticky{position:sticky;top:18px}.sidebar-label{color:var(--muted)}.sidebar h2{font-size:26px;line-height:1.2;margin:8px 0 22px}.step-nav{display:grid;gap:9px}.step-tab{background:transparent;border:1px solid transparent;display:flex;text-align:left;align-items:center;gap:12px;border-radius:9px;padding:13px;color:var(--ink);width:100%}.step-tab.is-current{background:var(--white);border-color:var(--border);box-shadow:var(--shadow)}.step-tab:hover{border-color:#b7c4b7}.step-num{display:grid;place-items:center;width:34px;height:34px;flex:none;background:#e3e7dc;color:var(--pine);border-radius:8px;font-size:12px;font-weight:750}.is-current .step-num{background:var(--pine);color:white}.step-tab strong{font-size:13px;display:block}.step-tab small{display:block;font-size:11px;color:var(--muted)}.privacy-card{border:1px solid var(--border);border-radius:11px;padding:20px;margin-top:29px;background:#f0f2e9}.privacy-icon{font-size:23px;color:var(--pine);margin-bottom:7px}.privacy-card strong{font-size:13px}.privacy-card p{font-size:12px;color:#53685a}.check-row{display:flex;gap:9px;align-items:start;font-size:12px;font-weight:650;line-height:1.4}.check-row input{width:17px;height:17px;flex:none;accent-color:var(--pine);margin-top:1px}.privacy-card .tiny{font-size:11px;margin:9px 0}.text-button{border:0;background:none;padding:0;color:#225447;font-size:12px;font-weight:700;text-decoration:underline;text-underline-offset:3px}.inline-button{margin-top:7px;text-align:left}
.main-column{min-width:0;background:var(--white);border:1px solid var(--border);border-radius:13px;padding:34px 40px 28px;box-shadow:var(--shadow)}.step-header{display:flex;align-items:center;justify-content:space-between;gap:15px;border-bottom:1px solid var(--border);padding-bottom:23px;margin-bottom:35px}.step-header p{margin:0;color:var(--muted);font-size:10px;font-weight:750;letter-spacing:.19em}.progress-track{height:5px;width:154px;background:#e0e5dc;border-radius:20px;overflow:hidden}.progress-track span{display:block;background:var(--pine);width:25%;height:100%;transition:width .2s ease}.step-panel[hidden]{display:none!important}.section-kicker{color:#577461;margin-bottom:12px}.step-panel h2{font-size:clamp(31px,3.6vw,43px);letter-spacing:-.034em;line-height:1.2;margin-bottom:13px}.section-intro{font-size:14px;color:#59695f;line-height:1.8;margin-bottom:30px}.step-panel h3{font-size:18px;font-weight:700;line-height:1.35;margin-bottom:9px}.step-panel h3+p{font-size:13px;color:var(--muted)}.tag-label{font-size:10px;color:#4d6557;margin:20px 0 18px}.sample-tag{font-size:10px;text-transform:none;letter-spacing:0;color:#796338;font-weight:500;margin-left:8px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 24px}.field{display:flex;flex-direction:column;min-width:0}.field label{font-size:12px;font-weight:750;line-height:1.5;margin-bottom:8px}.help{font-weight:400;color:#617169}.field input,.field select{width:100%;min-height:46px;border:1px solid #82917f;background:white;border-radius:7px;padding:10px 12px;color:var(--ink);font-size:15px}.field input:invalid{border-color:#be5d4b}.field input::placeholder{color:#617169}.field small{font-size:11px;color:#617169;line-height:1.6;margin-top:6px}.stat-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px;margin:23px 0}.stat{border:1px solid var(--border);background:#f7f8f4;border-radius:9px;padding:18px}.stat span{display:block;font-size:11px;color:#657268;line-height:1.35}.stat strong{display:block;font-size:clamp(21px,3vw,29px);line-height:1.3;color:#213e31;font-weight:650;margin-top:7px;font-variant-numeric:tabular-nums}.accent-stat{background:#e6f0e6;border-color:#c8ddca}.explain{background:#f0f3eb;border-left:3px solid #557866;padding:14px 17px;font-size:13px;line-height:1.75;border-radius:0 7px 7px 0}.subtle-box{background:#f5f3ec;border:1px solid #e3e1d7;padding:17px 19px;border-radius:8px;font-size:13px;line-height:1.75;margin:19px 0}.subtle-box p{margin:5px 0 0;color:#5f6b61;font-size:12px}.section-separator{height:1px;background:var(--border);margin:30px 0}.form-error{margin:12px 0;padding:12px;background:var(--danger-bg);color:var(--danger);border:1px solid #e8beba;border-radius:8px;font-size:13px}
.section-title-row{display:flex;align-items:start;justify-content:space-between;gap:16px;margin-bottom:20px}.section-title-row h3{margin-bottom:4px}.section-title-row p{font-size:12px;margin:0;color:var(--muted)}.secondary-button,.primary-button{border-radius:7px;padding:12px 16px;font-size:12px;font-weight:700;min-height:43px;text-align:center;white-space:normal;transition:transform .1s,background-color .1s}.secondary-button{background:#fff;border:1px solid #a8b7a9;color:#234538}.secondary-button:hover{background:#eef4ed}.primary-button{color:white;background:var(--pine);border:1px solid var(--pine)}.primary-button:hover{background:#163a30}.primary-button:active,.secondary-button:active{transform:translateY(1px)}.item-list{display:grid;gap:12px}.item-card{border:1px solid var(--border);background:#fbfbf8;padding:18px;border-radius:9px}.item-card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.item-card-num{color:#596e5f;font-size:10px;font-weight:800;letter-spacing:.15em}.item-card-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:11px}.item-card-grid .field:nth-child(1){grid-column:span 2}.item-card-grid .field:nth-child(2){grid-column:span 4}.item-card-grid .field:nth-child(3){grid-column:span 2}.item-card-grid .field:nth-child(4){grid-column:span 2}.item-card-grid .field:nth-child(5){grid-column:span 2}.item-card-grid .field input,.item-card-grid .field select{min-height:43px;font-size:13px}.item-card-grid .field label{font-size:11px}.note-small{font-size:11px!important;color:#66746b!important;line-height:1.7}.radio-line{display:flex;align-items:start;gap:10px;margin-top:12px;font-size:12px}.radio-line input{accent-color:var(--pine);width:17px;height:17px;margin-top:2px}.radio-line small{color:var(--muted);font-size:11px}.compact-field{max-width:170px;flex:0 0 170px}.comparison-cards{display:grid;gap:11px;margin:24px 0}.compare-card{padding:18px 20px;border:1px solid var(--border);border-radius:9px;background:#fafbf8}.compare-card-head{display:flex;justify-content:space-between;gap:12px;align-items:start}.compare-card h3{margin:0;font-size:16px}.compare-card .desc{font-size:11px;color:var(--muted);margin:3px 0 0}.status-pill{font-size:10px;font-weight:800;border-radius:20px;padding:5px 9px;white-space:nowrap}.status-ok{color:#265b40;background:#e2f1e7}.status-warn{color:#8b501c;background:#fcf0df}.status-danger{color:#94382f;background:#f9e8e6}.compare-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:15px}.compare-metrics span{display:block;color:#6a756a;font-size:10px}.compare-metrics strong{display:block;font-size:19px;color:var(--ink);font-variant-numeric:tabular-nums}.compare-card .desc + .desc{margin-top:8px}.warning-line{font-size:11px;color:#8d5122;margin:12px 0 0}.scroll-table{max-width:100%;overflow-x:auto;border:1px solid var(--border);border-radius:8px}.scroll-table table{width:100%;min-width:515px;border-collapse:collapse;font-size:12px;text-align:right;font-variant-numeric:tabular-nums}.scroll-table caption{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}.scroll-table th{background:#edf2ea;padding:13px 10px;color:#516a59;font-size:10px;text-transform:uppercase;letter-spacing:.06em}.scroll-table td{border-top:1px solid #edf0e8;padding:10px;color:#34443b}.scroll-table td:first-child,.scroll-table th:first-child{text-align:left}.scroll-table tr.is-negative td:last-child{color:#a33733;font-weight:800}.table-actions{display:flex;justify-content:space-between;align-items:center;gap:15px;margin-top:11px}.table-actions .note-small{margin:0}
.final-status{border-radius:8px;padding:16px 18px;margin:0 0 25px;background:#eef2eb;font-size:13px}.final-status strong{display:block;margin-bottom:4px}.final-status p{margin:0}.action-list{padding:0;list-style:none;display:grid;gap:18px;margin:24px 0 31px}.action-list li{display:flex;gap:16px;align-items:start}.action-num{background:#dfe8dd;display:grid;place-items:center;border-radius:7px;color:#22523c;font-weight:800;width:31px;height:31px;flex:none}.action-list h3{font-size:15px;margin:1px 0 4px}.action-list p{font-size:12px;color:#5b6a60;margin:0;line-height:1.75}.script-box{background:#eaf1e9;border:1px solid #c9d9cb;padding:21px;border-radius:9px;margin:24px 0 30px}.script-box .tag-label{margin:0 0 10px}.script-box>p:nth-child(2){line-height:1.8;font-size:13px}.script-box button{margin-right:10px}.resource-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:18px 0 24px}.resource-grid a{display:grid;gap:6px;padding:14px 16px;background:#fafbf8;border:1px solid var(--border);border-radius:8px;text-decoration:none}.resource-grid a:hover{border-color:#8ca78e;background:#f2f6f0}.resource-grid strong{font-size:12px}.resource-grid span{font-size:11px;line-height:1.55;color:var(--muted)}.legal-details{border-block:1px solid var(--border);padding:14px 0;margin:25px 0}.legal-details summary{font-size:13px;font-weight:750;cursor:pointer}.legal-details p{font-size:12px;color:var(--muted);line-height:1.75;margin-top:12px}.legal-details a{color:#285c47}.export-panel{border-radius:9px;background:var(--forest);color:white;padding:22px;margin:22px 0;display:flex;justify-content:space-between;align-items:center;gap:15px}.export-panel h3{color:white;margin:0 0 5px}.export-panel p{color:#d6e3d7;font-size:12px;margin:0}.export-buttons{display:flex;flex-direction:column;gap:8px;flex:none}.export-buttons .secondary-button{background:transparent;color:white;border-color:#82988a}.export-buttons .primary-button{background:#e8e6d6;color:#17372b;border-color:#e8e6d6}.footer-actions{display:flex;justify-content:space-between;gap:12px;padding-top:25px;margin-top:26px;border-top:1px solid var(--border)}.footer-message{font-size:12px;color:var(--muted);min-height:20px;margin-top:10px}
.closing{text-align:center;padding:45px 20px 85px;border-top:1px solid var(--border)}.closing .eyebrow{justify-content:center;color:#557663}.closing h2{font-size:clamp(29px,4vw,46px);line-height:1.2;margin:19px 0}.closing h2 em{color:#5e7c68}.closing p:not(.eyebrow){max-width:580px;margin:0 auto 23px;color:var(--muted);font-size:13px}.closing div{display:flex;justify-content:center;gap:23px;flex-wrap:wrap}.closing a{font-size:12px;font-weight:700;color:#24503f}.footer{background:var(--forest);color:#c4d3c6;padding:26px 0}.footer>div{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:10px}
@media(max-width:870px){.hero{gap:5%;grid-template-columns:1.4fr 1fr}.workbench{grid-template-columns:220px minmax(0,1fr);gap:17px}.main-column{padding:27px 22px}.topbar-tag{display:none}.item-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.item-card-grid .field:nth-child(n){grid-column:span 1}.item-card-grid .field:nth-child(2){grid-column:span 2}.resource-grid{grid-template-columns:1fr}.compare-metrics strong{font-size:16px}}
@media(max-width:700px){.site-width{width:calc(100% - 30px)}.topbar-inner{min-height:73px}.brand strong{font-size:10px}.brand-mark{width:37px;height:37px;font-size:25px}.home-link{font-size:12px}.hero{margin-inline:-15px;padding:47px 20px 46px;grid-template-columns:1fr;gap:30px}.hero h1{font-size:clamp(44px,9vw,60px)}.hero-lead{font-size:15px}.hero-aside{border-left:0;border-top:1px solid #667b6d;padding:18px 0 0;max-width:420px}.aside-quote{font-size:24px;margin-bottom:8px}.notice{margin:18px 0 24px}.workbench{display:block}.sidebar-sticky{position:static}.sidebar h2,.sidebar-label{display:none}.step-nav{grid-template-columns:repeat(4,minmax(0,1fr));gap:5px;margin-bottom:12px}.step-tab{display:grid;justify-items:center;text-align:center;padding:8px 2px;gap:5px;min-height:73px}.step-num{width:29px;height:29px}.step-tab strong{font-size:10px;line-height:1.2}.step-tab small{display:none}.privacy-card{margin:0 0 15px;padding:14px}.privacy-icon{display:none}.privacy-card p{margin:4px 0 8px}.main-column{padding:26px 17px}.step-header{margin-bottom:24px}.form-grid{gap:15px}.export-panel{display:block}.export-buttons{flex-direction:row;margin-top:14px}.export-buttons button{flex:1}.closing{padding:35px 0 65px}}
@media(max-width:460px){.topbar-right{gap:4px}.brand{gap:8px}.brand strong{font-size:9px}.home-link{font-size:11px}.hero-pills span{font-size:10px}.form-grid{grid-template-columns:1fr}.stat{padding:13px}.stat strong{font-size:21px}.step-tab strong{font-size:9px}.item-card{padding:13px}.item-card-grid{gap:9px}.item-card-grid .field:nth-child(n){grid-column:span 2}.item-card-grid .field:nth-child(3),.item-card-grid .field:nth-child(4){grid-column:span 1}.compare-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.compare-card-head{display:block}.status-pill{display:inline-block;margin-top:8px}.section-title-row{flex-wrap:wrap}.compact-field{max-width:none;flex:1 1 100%}.footer-actions button{flex:1}.export-buttons{flex-direction:column}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}
@media print{body{background:white;color:black;font-size:11pt}.topbar,.hero,.sidebar,.notice,.footer-actions,.footer,.closing,.table-actions,.export-buttons,.remove-item,.step-header{display:none!important}.site-width{width:100%}.workbench,.main-column{display:block;border:none;box-shadow:none;padding:0;margin:0}.step-panel{display:block!important;page-break-inside:auto;margin-bottom:20pt;border-bottom:1px solid #bbb;padding-bottom:12pt}.scroll-table{overflow:visible}.scroll-table table{min-width:0;font-size:9pt}.form-grid,.item-list,.stat-grid{page-break-inside:avoid}a{text-decoration:underline}}
@font-face{font-family:Doctrine;src:url('/assets/DoctrineSerif.woff') format('woff');font-display:swap}
/* Integration refinements preserve the supplied green and ivory design. */
.hero h1,.hero h2,.aside-quote,.closing h2,.step-panel h2,.sidebar h2{font-family:Doctrine,Georgia,serif}
.hero{margin:24px 0 0;padding:48px 38px 52px;border-radius:10px;gap:6%;grid-template-columns:minmax(0,1.5fr) minmax(0,.8fr)}
.hero-start{display:inline-flex;gap:15px;align-items:center;padding:12px 16px;background:#e8eddc;color:#173d2f;border-radius:5px;font-size:12px;font-weight:650;text-decoration:none;margin-top:8px}
.hero-pills{margin-top:20px}.workbench{scroll-margin-top:18px}.sidebar{min-width:0}
.v08-breadcrumbs{font-size:11px;color:#66776a;padding-top:18px}.v08-breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;gap:10px;flex-wrap:wrap}.v08-breadcrumbs li+li:before{content:'›';padding-right:10px}.v08-breadcrumbs a{text-underline-offset:3px}
.progress-track[data-step="1"] span{width:25%}.progress-track[data-step="2"] span{width:50%}.progress-track[data-step="3"] span{width:75%}.progress-track[data-step="4"] span{width:100%}
#restore-saved{margin:8px 0 12px;width:100%}.proposed-total{font-size:12px;font-weight:650;margin:15px 0 8px}.payment-dates{font-size:12px;border-top:1px solid #d9e0d0;padding-top:12px}.payment-dates summary{cursor:pointer}.payment-dates ul{padding-left:18px;line-height:1.9}.negative-money{color:#942f2f!important;font-weight:700}
.scroll-table table{min-width:640px}.footer a{text-underline-offset:3px}.field input[aria-invalid="true"]{border-color:#a94639}
#reset-example-dialog{max-width:500px;width:calc(100% - 30px);background:#fffdf8;color:#233d32;border:1px solid #b9cbb5;border-radius:9px;padding:28px}#reset-example-dialog::backdrop{background:#143d3060}#reset-example-dialog h2{font:30px/1.2 Doctrine,Georgia,serif}.example-dialog-actions{display:flex;gap:12px;justify-content:flex-end;flex-wrap:wrap;margin-top:20px}
@media(max-width:870px){.hero{grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);padding:38px 28px}}
@media(max-width:700px){.hero{margin:18px 0 0;padding:32px 24px;grid-template-columns:minmax(0,1fr);gap:24px}.hero h1{font-size:44px}.eyebrow{flex-wrap:wrap;font-size:9px;letter-spacing:.14em}.version{margin-left:0}.hero-aside{max-width:none}.hero-pills{gap:6px}.hero-pills span{padding:7px 9px}.notice{padding:14px}.step-tab{min-height:82px}.stat strong{overflow-wrap:anywhere}.topbar-inner{gap:12px}.main-column{min-width:0}.compare-metrics strong{overflow-wrap:anywhere}}
@media print{.step-panel[hidden]{display:block!important}.hero-start,.v08-breadcrumbs,#reload-example,#use-example-payoff{display:none!important}.scroll-table table{min-width:0!important}.step-panel{break-before:auto}.payment-dates{break-inside:avoid}}
.v08-breadcrumbs{width:min(1160px,calc(100% - 44px));margin-inline:auto}
@media(max-width:700px){.v08-breadcrumbs{width:calc(100% - 30px)}}