700a68125ea38047854ef243176d43cea27b24f0
- Fix transfer-cost error (Bern 800k exemption removed); Basel-Stadt 1.5% self-occupied Neuerwerb → seller-levied, add Schuldbrief cost + cost table - Add renovation CHF 500-600k derivation, inclusions, timing, overrun risks - Replace one-line earthquake note with sourced SED/SIA 269-8 explainer - Mirror all edits into dossier.md; inline source links + Sources footers
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