:root{--bg:#F3F4EE;--surface:#FFFFFF;--surface2:#EBEDE4;--line:#CFD3C4;--line2:#E1E4D8;--ink:#1C2A24;--ink2:#4B5A52;--ink3:#7A877F;--accent:#1F4D3A;--accent-ink:#F6F7F1;--accent-soft:#DCE8E0;--gold:#A8781F;--gold-soft:#F4E9CF;--doc:#FFFDF8;--doc-ink:#1A1A18;--danger:#9B2C2C;--shadow:0 1px 2px rgba(28,42,36,.06),0 12px 32px -16px rgba(28,42,36,.25)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Source Sans 3",system-ui,Segoe UI,sans-serif;font-size:16px;line-height:1.55}
h1,h2,h3,h4{font-family:"Cormorant Garamond","Iowan Old Style",Georgia,serif;margin:0;font-weight:600;line-height:1.1;text-wrap:balance}
p{margin:0}a{color:var(--accent)}
button{font:inherit;cursor:pointer}
button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,a:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--ink3)}
.btn{border:0;border-radius:2px;padding:14px 22px;font-weight:600;font-size:16px;background:var(--accent);color:var(--accent-ink);text-decoration:none;display:inline-block;text-align:center}
.btn.gold{background:var(--gold);color:#1A1A18}
.btn.ghost{background:transparent;border:1px solid var(--line);color:var(--ink);font-weight:500}
.btn.sm{padding:9px 14px;font-size:14px}
.btn[disabled]{opacity:.5;cursor:not-allowed}

.top{display:flex;justify-content:space-between;align-items:center;padding:18px 0;border-bottom:1px solid var(--line2)}
.brand{font-family:"Cormorant Garamond",Georgia,serif;font-weight:700;font-size:26px;letter-spacing:.02em;text-decoration:none;color:var(--ink)}
.brand i{font-style:normal;color:var(--gold)}
.top nav{display:flex;gap:18px;font-size:14px;font-weight:500;align-items:center}
.top nav a{color:var(--ink2);text-decoration:none}

.hero{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;padding:72px 0 48px;align-items:center}
.hero h1{font-size:clamp(36px,5.4vw,60px);font-weight:600;letter-spacing:-.01em;margin-top:12px}
.hero h1 em{font-style:italic;font-weight:500;color:var(--accent)}
.hero .lead{font-size:19px;color:var(--ink2);margin:22px 0 28px;max-width:32em}
.hero .cta{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.hero .sub{font-size:13px;color:var(--ink3);margin-top:12px}
.hero-card{background:var(--doc);color:var(--doc-ink);padding:30px 30px;border:1px solid #E4DCC8;box-shadow:var(--shadow);font-family:"Source Serif 4",Georgia,serif;position:relative;transform:rotate(-1deg)}
.hero-card::after{content:"";position:absolute;inset:8px;border:1px solid #D9CFB5;pointer-events:none}
.hero-card .t{font-family:"Cormorant Garamond",Georgia,serif;font-size:20px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-align:center;margin-bottom:4px}
.hero-card .s{text-align:center;font-size:12px;color:#666;margin-bottom:14px}
.hero-card p{font-size:13.5px;line-height:1.6;margin-bottom:8px}
.hero-card .blank{border-bottom:1px solid #1A1A18;display:inline-block;min-width:120px}
.hero-card .box{display:inline-block;width:30px;height:16px;border:1px solid #1A1A18;vertical-align:middle;margin-left:6px}
.trust{display:flex;gap:28px;justify-content:center;padding:18px 0;border-top:1px solid var(--line2);border-bottom:1px solid var(--line2);font-size:14px;color:var(--ink2);flex-wrap:wrap}
.trust b{color:var(--ink)}

.section{padding:96px 0 0}
.section h2{font-size:clamp(30px,4vw,42px);margin-bottom:10px}
.section .intro{color:var(--ink2);font-size:17px;max-width:38em;margin-bottom:28px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feat .k{font-family:"Cormorant Garamond",Georgia,serif;font-size:40px;color:var(--gold);line-height:1;margin-bottom:8px;font-weight:700}
.feat h3{font-size:22px;margin-bottom:6px}
.feat p{color:var(--ink2);font-size:15px}
.notfor{background:var(--gold-soft);border-left:4px solid var(--gold);padding:20px 24px;margin-top:28px}
.notfor h3{font-size:20px;margin-bottom:8px}
.notfor ul{margin:0;padding-left:20px;color:var(--ink2);font-size:15px}
.notfor li{margin-bottom:4px}
.notfor p{font-size:13px;color:var(--ink3);margin-top:10px}

.tiers{display:grid;grid-template-columns:1fr 1fr;gap:18px;max-width:760px}
.tier{background:var(--surface);border:1px solid var(--line);padding:26px;display:flex;flex-direction:column;gap:14px}
.tier.hi{border-color:var(--accent);box-shadow:var(--shadow)}
.tier h3{font-size:24px}
.tier .amt{font-family:"Cormorant Garamond",Georgia,serif;font-size:52px;font-weight:700;line-height:1}
.tier .amt s{font-size:22px;color:var(--ink3);font-weight:500;margin-right:8px}
.tier .amt small{font-size:16px;font-family:"Source Sans 3",sans-serif;font-weight:500;color:var(--ink3);margin-left:6px}
.tier ul{list-style:none;padding:0;margin:0;font-size:14px;flex:1}
.tier li{padding:7px 0;border-top:1px solid var(--line2);display:flex;gap:10px}
.tier li::before{content:"✓";color:var(--accent);font-weight:700}
table.cmp{width:100%;border-collapse:collapse;font-size:15px;margin-top:22px;max-width:760px}
table.cmp th,table.cmp td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line2)}
table.cmp th{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3);font-weight:700}
table.cmp tr.us td{color:var(--accent);font-weight:700}
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:8px;margin-top:12px}
.states span{background:var(--surface);border:1px solid var(--line2);padding:8px 10px;font-size:13px;color:var(--ink2)}
.states span.on{border-color:var(--accent);color:var(--accent);font-weight:600}
.faq{display:grid;grid-template-columns:1fr 1fr;gap:20px 40px}
.faq h3{font-size:20px;margin-bottom:4px}.faq p{color:var(--ink2);font-size:15px}
footer{margin-top:100px;padding:28px 0 48px;border-top:1px solid var(--line2);color:var(--ink3);font-size:12px;max-width:72em;line-height:1.6}

/* ---------- app ---------- */
.app{margin-top:96px;border-top:2px solid var(--accent);padding-top:32px}
.app-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.app-head h2{font-size:34px}
.app-head p{color:var(--ink2);font-size:14px;margin-top:6px}
.persons{display:flex;gap:6px}
.persons button{background:var(--surface);border:1px solid var(--line);padding:8px 14px;border-radius:2px;font-weight:600;font-size:14px;color:var(--ink2)}
.persons button.on{border-color:var(--accent);color:var(--accent);background:var(--accent-soft)}
.bgrid{display:grid;grid-template-columns:400px 1fr;gap:24px;align-items:start}
.steps{display:flex;flex-direction:column;gap:2px;margin-bottom:16px}
.steps button{text-align:left;background:transparent;border:0;padding:8px 10px;border-left:2px solid var(--line);color:var(--ink3);font-size:14px;font-weight:500}
.steps button.on{border-left-color:var(--accent);color:var(--ink);font-weight:600}
.steps button.done{color:var(--ink2)}.steps button.done::after{content:" ✓";color:var(--accent)}
.panel{background:var(--surface);border:1px solid var(--line);padding:22px}
.panel h3{font-size:24px;margin-bottom:4px}
.panel .hint{color:var(--ink2);font-size:14px;margin-bottom:18px}
.panel .law{font-size:13px;color:var(--ink3);background:var(--surface2);padding:10px 12px;margin:0 0 16px;border-left:3px solid var(--line)}
.f{display:grid;gap:14px}
.f label{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--ink3);margin-bottom:5px}
.f input[type=text],.f input[type=number],.f input[type=tel],.f select,.f textarea{width:100%;font:inherit;font-size:15px;padding:10px 12px;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:2px}
.f .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.f .three{display:grid;grid-template-columns:2fr 1fr 1fr;gap:12px}
.f .four{display:grid;grid-template-columns:2fr 1fr .7fr .8fr;gap:12px}
.f .choice{display:block;border:1px solid var(--line);padding:12px 14px;margin-bottom:8px;cursor:pointer;font-size:15px;font-weight:400;text-transform:none;letter-spacing:0;color:var(--ink);line-height:1.45}
.f .choice input{margin-right:8px}
.f .choice.on{border-color:var(--accent);background:var(--accent-soft)}
.f .chk{display:flex;gap:8px;align-items:flex-start;font-size:15px;color:var(--ink2);text-transform:none;letter-spacing:0;font-weight:400}
.f .sub{margin-left:26px;margin-top:8px;display:grid;gap:8px}
.f .lines input{margin-bottom:6px}
.nav{display:flex;justify-content:space-between;margin-top:22px;gap:10px}
.note{background:var(--gold-soft);border-left:3px solid var(--gold);padding:12px 14px;font-size:13px;color:var(--ink2);margin-top:16px}
.warn{background:#FBE9E7;border-left:3px solid var(--danger);padding:12px 14px;font-size:14px;color:#5a2a2a;margin-top:12px}

.docs{position:sticky;top:16px}
.doctabs{display:flex;gap:2px;border-bottom:1px solid var(--line);overflow-x:auto}
.doctabs button{background:transparent;border:0;padding:10px 14px;font-size:13px;font-weight:600;color:var(--ink3);border-bottom:2px solid transparent;white-space:nowrap}
.doctabs button.on{color:var(--ink);border-bottom-color:var(--gold)}
.paper{background:var(--doc);color:var(--doc-ink);padding:44px 48px;font-family:"Source Serif 4",Georgia,serif;font-size:13.5px;line-height:1.6;box-shadow:var(--shadow);border:1px solid #E4DCC8;min-height:520px;max-height:72vh;overflow:auto;position:relative}
.paper h1{font-family:"Cormorant Garamond",Georgia,serif;font-size:22px;text-align:center;letter-spacing:.06em;text-transform:uppercase;margin:0 0 2px}
.paper .sub{text-align:center;font-size:12.5px;margin-bottom:18px}
.paper h2{font-family:"Cormorant Garamond",Georgia,serif;font-size:15px;letter-spacing:.06em;text-transform:uppercase;margin:18px 0 6px}
.paper p{margin:0 0 9px}
.paper .para{margin-bottom:12px}
.paper .fill{border-bottom:1px solid #1A1A18;padding:0 6px;font-weight:600;white-space:pre-wrap}
.paper .fill.empty{display:inline-block;min-width:200px;height:1.1em;vertical-align:bottom}
.paper .opt{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:start;padding:8px 10px;border:1px solid #D9CFB5;margin:6px 0}
.paper .opt.sel{background:#FFF6DD;border-color:#A8781F}
.paper .sig{width:120px;height:44px;border:1.5px solid #1A1A18;display:flex;align-items:center;justify-content:center;font-size:9px;text-align:center;color:#666;letter-spacing:.06em;text-transform:uppercase;padding:2px}
.paper .opt.sel .sig{border-color:#A8781F;color:#A8781F;font-weight:700;background:#fff}
.paper .cbox{display:inline-block;width:12px;height:12px;border:1.5px solid #1A1A18;vertical-align:-1px;margin-right:6px;text-align:center;line-height:10px;font-size:11px}
.paper .signblock{margin-top:24px;display:grid;grid-template-columns:1fr 1fr;gap:26px}
.paper .signblock div{border-top:1px solid #1A1A18;padding-top:5px;font-size:11.5px}
.paper .small{font-size:12px}
.paper .instr{background:#F6F1E4;padding:10px 12px;font-size:12.5px;margin-bottom:14px;border:1px solid #E4DCC8}
.paper .lock{position:absolute;inset:0;background:linear-gradient(to bottom,rgba(255,253,248,0) 25%,rgba(255,253,248,.96) 55%);display:flex;align-items:flex-end;justify-content:center;padding-bottom:60px}
.paper .lock .box{background:var(--surface);color:var(--ink);border:1px solid var(--line);padding:22px 26px;text-align:center;box-shadow:var(--shadow);max-width:380px;font-family:"Source Sans 3",sans-serif}
.paper .lock .box b{display:block;font-family:"Cormorant Garamond",Georgia,serif;font-size:24px;margin-bottom:6px}
.paper .lock .box p{font-size:14px;color:var(--ink2);margin-bottom:14px}
.paper .wm{position:absolute;top:40%;left:50%;transform:translate(-50%,-50%) rotate(-28deg);font-family:"Cormorant Garamond",Georgia,serif;font-size:72px;color:rgba(168,120,31,.13);font-weight:700;letter-spacing:.1em;pointer-events:none;white-space:nowrap}
.docactions{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap;align-items:center;font-size:13px;color:var(--ink3)}
.checklist li{margin-bottom:8px}

@media print{
	body{background:#fff}
	body *{visibility:hidden}
	.paper,.paper *{visibility:visible}
	.paper{position:absolute;left:0;top:0;width:100%;max-height:none;box-shadow:none;border:0;padding:0.6in 0.7in;font-size:12.5px}
	.paper .lock{display:none}
	.paper .opt{break-inside:avoid}
}
@media (max-width:900px){
	.hero{grid-template-columns:1fr;gap:36px;padding-top:36px}.hero-card{transform:none}
	.grid3,.tiers,.faq,.bgrid{grid-template-columns:1fr}
	.docs{position:static}.paper{padding:26px 20px}
	.f .two,.f .three,.f .four{grid-template-columns:1fr}
	.top nav{display:none}
}

/* ---------- multi-state additions ---------- */
.pickers{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.statepick{font-size:13px;font-weight:600;color:var(--ink2);display:flex;gap:8px;align-items:center}
.statepick select{font:inherit;font-size:14px;padding:8px 10px;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:2px}
.states a{text-decoration:none;line-height:1.35}
.states a b{color:var(--ink);font-size:14px}
.states a.on b{color:var(--accent)}
#stnote{font-size:14px;color:var(--ink2);margin-top:6px}
.paper .cbox.ini{width:auto;min-width:34px;height:16px;line-height:14px;font-size:8px;padding:0 3px;letter-spacing:.06em;text-transform:uppercase;color:#A8781F;border-color:#A8781F}
.paper .cbox.ini:empty{color:inherit;border-color:#1A1A18}
.paper .pagesig{margin:18px 0 22px;padding-top:8px;border-top:1px dashed #D9CFB5;font-size:12px}
.paper .sigl{margin-top:10px}
@media print{.paper .pagesig{break-after:page}}

[hidden]{display:none!important}