Generate a full detail guide on how to create a pollinator-friendly garden. The guide should be inspiring and environmentally focused. It must include: 1. An explanation of why pollinators are crucial for the ecosystem. 2. A detailed list of the best perennial and annual flowers that attract bees and butterflies. 3. A section on creating a habitat, including providing a water source and avoiding pesticides. 4. A sample garden layout designed for continuous blooms throughout the seasons. Please include a supportive disclaimer.