:root{--navy:#0B2545;--navy2:#13315C;--green:#19324A;--green2:#234766;--gold:#B39A62;--gold2:#D0BD91;--ivory:#FAF7EF;--cream:#F2ECDD;--ink:#1C2430;--mute:#5A6472;--line:#DCD3BE;--r:10px;--teal:var(--gold);--teal2:var(--green2)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 "Source Sans 3","Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--ivory)}
a{color:var(--green2)}a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:Merriweather,Georgia,serif;color:var(--navy);line-height:1.25}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
header.site{background:var(--navy);color:#fff;border-bottom:4px solid var(--gold)}header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap}
.logo{font-family:Merriweather,Georgia,serif;font-weight:700;font-size:1.5rem;color:#fff;text-decoration:none;letter-spacing:.5px}.logo span{color:var(--gold2)}
.mark{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:8px;background:var(--teal);color:var(--navy2);font-weight:800}
header nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}header nav a{color:#E8E4D8;text-decoration:none;font-weight:600;font-size:.95rem}header nav a:hover{color:var(--gold2)}
.cta-sm{background:var(--gold);color:var(--navy)!important;padding:7px 14px;border-radius:6px;font-weight:700}.cta-sm:hover{background:var(--gold2)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:52px 0 70px}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.5vw,2.8rem);line-height:1.15;margin:0 0 12px}.hero .lede{color:#E3E7EE;max-width:680px;font-size:1.12rem}
main section{margin-top:24px;margin-bottom:24px}#ask{margin-top:-44px}
.grid2{display:grid;grid-template-columns:1.6fr 1fr;gap:22px}.plans{grid-template-columns:1fr 1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 4px 18px rgba(11,37,69,.07);margin-bottom:22px}
.side .card{padding:20px}.card h1{margin-top:0;color:var(--navy);line-height:1.2}.card h2,.card h3{color:var(--navy)}
label{display:block;font-weight:600;margin:14px 0 5px;font-size:.95rem}
input,textarea{width:100%;font:inherit;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:#fff}
input:focus,textarea:focus{border-color:var(--gold)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
.hint{color:var(--mute);font-size:.88rem;font-weight:400;margin:4px 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
fieldset.tiers{border:0;padding:0;margin:16px 0}legend{font-weight:600;margin-bottom:6px}
.tier{display:flex;gap:10px;align-items:flex-start;border:1px solid var(--line);border-radius:10px;padding:12px;font-weight:400;margin:8px 0;cursor:pointer}
.tier input,.check input{width:auto;margin-top:5px}.tier:has(input:checked){border-color:var(--gold);background:var(--cream)}
.check{display:flex;gap:10px;font-weight:400;font-size:.92rem}
.btn{display:inline-block;background:var(--gold);color:var(--navy);border:2px solid transparent;border-radius:6px;padding:13px 26px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;margin-top:14px}
.btn:hover{background:var(--gold2);color:var(--navy)}.btn.ghost{background:#fff;border:2px solid var(--navy);color:var(--navy)}
.alert{background:#fff4e5;border:1px solid #f0c27b;padding:10px 14px;border-radius:8px}
.draft{background:#fff4e5;border-left:4px solid #e39b2a;padding:10px 14px;border-radius:6px;font-weight:600}
.eyebrow{color:var(--teal2);font-weight:700;font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;margin:0 0 4px}
.yourq{margin:16px 0;padding:14px 18px;background:var(--cream);border-left:4px solid var(--navy);border-radius:6px}.yourq cite{display:block;color:var(--mute);font-size:.88rem;margin-top:8px}
.answer{border-top:1px solid var(--line);padding-top:8px}.answer.pending{background:var(--cream);border:1px solid var(--line);padding:14px 18px;border-radius:8px}
.notice{font-size:.88rem;color:var(--mute);border-top:1px dashed var(--line);padding-top:10px;font-style:italic}
.upsell{background:linear-gradient(135deg,var(--cream),#fff);border-color:var(--gold2)}
.plan{border:1px solid var(--line);border-radius:10px;padding:18px}.plan.featured{border:2px solid var(--gold)}.price{font-family:Merriweather,Georgia,serif;font-size:2rem;font-weight:700;color:var(--navy);margin:0}
.note{background:var(--cream)}.legal p{margin:12px 0}
details.promo{margin-top:18px}summary{cursor:pointer;color:var(--teal2);font-weight:600}
#paypal-buttons{margin:18px 0;max-width:420px}
footer.site{background:var(--navy);color:#C9CED8;border-top:4px solid var(--gold);padding:28px 0;margin-top:40px;font-size:.92rem}footer.site a{color:var(--gold2)}
.nla{background:rgba(255,255,255,.06);border-radius:8px;padding:12px 14px}.small{font-size:.85rem;color:var(--mute)}footer .small{color:#8fa1b5}
@media(max-width:820px){.grid2,.plans{grid-template-columns:1fr}.row3{grid-template-columns:1fr 1fr}#ask{margin-top:-30px}}
@media(max-width:520px){.row2,.row3{grid-template-columns:1fr}.card{padding:18px}header nav{gap:12px}header nav a:not(.cta-sm){font-size:.88rem}}
.answer p{font-weight:600;color:var(--navy)}
/* v20261022a Write-Up Builder */
pre.doc{white-space:pre-wrap;word-wrap:break-word;font:15px/1.55 "Source Sans 3","Segoe UI",Arial,sans-serif;background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:8px;padding:18px 20px;margin:16px 0;color:var(--ink)}
.actions .btn{margin-right:8px}.draft p{margin:0}.alert p{margin:4px 0}
@media print{header.site,footer.site,.hero,#build,.upsell,.actions,.eyebrow,.alert,.draft,#result h2,#result h3,#result ul,#result .notice,#result>p{display:none!important}.card{border:0;box-shadow:none;padding:0}pre.doc{border:0;padding:0;font-size:12pt}body{background:#fff}}
/* v20261022c write-up review + reserved ad slots (empty = hidden; give them a min-height when an ad unit is added) */
.ad-slot:empty{display:none}.ad-slot{margin:0 0 22px;text-align:center}
details.wu-prev{margin:12px 0}details.wu-prev pre.doc{max-height:420px;overflow:auto}
@media print{.ad-slot{display:none!important}}
.check-result h2{font-size:1.15rem;margin:22px 0 6px}.check-result ul,.check-result ol{margin:0 0 8px;padding-left:22px}.check-result li{margin:4px 0}
@media print{.check-result .notice{display:block!important}}
.big-alert{border:2px solid #e39b2a;background:#fff4e5}.big-alert h2{margin-top:0;color:#8a4b00}.working{font-weight:600;color:var(--navy)}
.followups .fu{border-top:1px solid var(--line);padding-top:10px;margin-top:10px}
.promo-exp{border-left:4px solid var(--gold);background:linear-gradient(135deg,#fff,var(--cream))}.promo-exp h3{margin:2px 0 6px}.promo-exp .btn{margin-top:4px;padding:9px 18px}
.sources{margin-top:18px;padding:12px 16px;border:1px solid var(--line);border-radius:10px;background:#f7f9fc}.sources h3{margin:0 0 6px;font-size:1rem}.sources ul{margin:0 0 6px;padding-left:20px}.sources li{margin:3px 0}
.topic-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin-top:16px}.topic-grid .topic{text-decoration:none;color:inherit;display:block}.topic-grid .topic h2{font-size:1.05rem;margin:0 0 6px;color:var(--navy)}.topic-grid .topic:hover{border-color:var(--gold)}
.topic-page h2{font-size:1.1rem;margin:20px 0 4px}
.qc{list-style:none;padding:0}.qc li{padding:10px 12px;border-radius:8px;margin:8px 0;border:1px solid var(--line)}.qc li.pass{background:#eef8f0}.qc li.warn{background:#fff4e5;border-color:#e3b26a}
.share-url{width:100%;font-family:monospace}.tools h2{font-size:1.15rem}.alert.ok{background:#eef8f0;border-color:#8cc79b;color:#1d5a2c}
.bundle-code{font-family:monospace;font-size:1.6rem;letter-spacing:.06em;background:var(--cream);border:2px dashed var(--gold);padding:12px;text-align:center;border-radius:10px}
label.check{display:flex;gap:8px;align-items:flex-start;font-weight:400}label.check input{width:auto;margin-top:4px}
/* v20261023e: pay calculator day grid, public questions list */
.row7{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:8px}
@media (max-width:560px){.row7{grid-template-columns:repeat(4,minmax(0,1fr))}}
.row7 input{width:100%}
.qlist{list-style:none;padding:0}.qlist li{padding:10px 0;border-bottom:1px solid #e3e8ef}
/* v20261024b mic buttons (Write-Up Builder) */
.mic-row{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:4px 0 6px}
.mic-btn{background:#fff;border:2px solid var(--navy);color:var(--navy);border-radius:6px;padding:6px 14px;font:inherit;font-weight:700;cursor:pointer;min-height:40px}
.mic-btn[aria-pressed="true"]{background:var(--gold);border-color:var(--gold)}
.mic-btn:disabled{opacity:.5;cursor:not-allowed}
.mic-btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* v20261025b: pay "what you get" line, help page */
.pay-what{font-size:.92rem;color:#3d4a5c;background:#F4F6FA;border-left:4px solid #D4B66A;padding:10px 14px;border-radius:4px;margin:6px 0 16px;max-width:520px}
.help h2{margin-top:1.4em}
/* v20261105d free-first quiet paid option */
.paid-opt{margin:12px 0 0;font-size:.95rem}.paid-opt a{color:var(--navy);text-decoration:underline;font-weight:400}.paid-note{margin-top:10px;padding:12px;border:1px dashed var(--line);border-radius:10px;background:#fff}.paid-note[hidden]{display:none}.linkish{background:none;border:0;padding:0;color:var(--navy);text-decoration:underline;cursor:pointer;font:inherit}

/* Public-benefit tools v20261107a: visible keyboard navigation and reflow. */
.skip-link{position:absolute;left:1rem;top:-10rem;background:#fff;color:#0b2545;padding:1rem;z-index:1000}.skip-link:focus{top:1rem}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #075985;outline-offset:3px}
nav{flex-wrap:wrap}.facts-tools textarea{width:100%;box-sizing:border-box;min-height:7rem}.facts-tools input,.facts-tools select{max-width:100%}.facts-tools fieldset{min-width:0;margin:1rem 0;padding:1rem}.facts-tools label{display:block;font-weight:700;margin-top:.7rem}.facts-tools legend{font-weight:700}.referral{margin:1rem 0;overflow-wrap:anywhere}#worksheet-status{min-height:1.5em}#worksheet-output{white-space:pre-wrap;overflow-wrap:anywhere}
@media(max-width:600px){header.site .wrap{flex-wrap:wrap}nav{gap:.65rem}.facts-tools .actions{display:flex;flex-wrap:wrap;gap:.6rem}}
@media print{header.site,footer.site,.skip-link,.no-print{display:none!important}.facts-tools textarea,.facts-tools input,.facts-tools select,.facts-tools button{display:none!important}.card{box-shadow:none!important;border:0!important}#worksheet-output{display:block!important;color:#000;background:#fff}body{background:#fff;color:#000}}

.hero a:not(.btn){color:#fff;text-decoration:underline}header.site a:focus-visible{outline-color:#fff}.facts-tools select{font:inherit;width:100%;box-sizing:border-box;padding:.6rem;background:#fff;color:#1c2430;border:1px solid #5a6472;border-radius:8px}.facts-tools input{box-sizing:border-box}.facts-tools [hidden],.referral[hidden]{display:none!important}

.hero a:focus-visible{outline-color:#fff}#main-content:focus{outline:none}

/* v20261107b shared optional voice controls. */
.mic-row{display:flex;align-items:center;flex-wrap:wrap;gap:.6rem;margin:.35rem 0 .8rem}.mic-row .mic-btn{margin:0}.mic-row .mic-status{flex:1 1 16rem}.mic-btn[disabled]{opacity:.7;cursor:not-allowed}.voice-notice{padding-top:.8rem}.facts-tools .check input{width:auto}.mic-btn[aria-pressed="true"]{background:var(--gold);color:var(--navy)}
@media print{.mic-row,.voice-notice{display:none!important}}

/* v20261107b restrained navy/ivory palette; muted brass highlights only. */
a{color:var(--navy2)}a:hover{color:var(--navy)}footer.site a{color:var(--ivory)}footer.site a:hover{color:var(--gold2)}

.mic-row[hidden]{display:none!important}