:root {

--gold-dim:rgba(201,168,76,0.12);
--steel-muted:#8A96A3;
      --steel-dark:#586472;--text-light:#D4DCE5;
--border-gold:rgba(201,168,76,0.18);--border-navy:rgba(15,35,64,0.09);
    }
    *,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{font-family:'DM Sans',sans-serif;background:var(--warm-cream);color:var(--navy-deep);line-height:1.6;-webkit-font-smoothing:antialiased}
    .visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
    .skip-link{position:absolute;top:-100%;left:16px;background:var(--swiss-gold);color:var(--navy-deep);padding:10px 18px;font-weight:600;font-size:14px;border-radius:0 0 6px 6px;text-decoration:none;z-index:9999;transition:top .2s}
    .skip-link:focus{top:0}
    :focus-visible{outline:2px solid var(--swiss-gold);outline-offset:3px;border-radius:2px}
    .progress-bar{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,var(--swiss-gold),var(--gold-light));width:0%;z-index:500;transition:width .1s linear}
    .scroll-top{position:fixed;bottom:32px;right:24px;width:44px;height:44px;background:var(--navy-mid);border:1px solid var(--border-gold);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;z-index:250;opacity:0;pointer-events:none;transition:opacity .3s,background .2s;color:var(--swiss-gold);font-size:18px;text-decoration:none}
    .scroll-top.visible{opacity:1;pointer-events:auto}
    .scroll-top:hover{background:var(--navy-light)}

    .sticky-cta{position:fixed;bottom:0;left:0;right:0;background:var(--navy-deep);border-top:2px solid var(--swiss-gold);padding:14px 24px;display:flex;align-items:center;justify-content:center;gap:16px;z-index:300;transform:translateY(100%);transition:transform .3s ease;box-shadow:0 -4px 20px rgba(0,0,0,.3)}
    
    .sticky-cta-text{color:var(--text-light);font-size:15px}
    
    .sticky-cta-link{background:var(--swiss-gold);color:var(--navy-deep);padding:10px 24px;border-radius:4px;font-weight:600;font-size:15px;white-space:nowrap;text-decoration:none;transition:background .2s}
    
    .sticky-btn-ghost{background:transparent;border:1px solid rgba(201,168,76,.45);color:var(--swiss-gold);padding:10px 24px;border-radius:4px;font-weight:500;font-size:15px;white-space:nowrap;text-decoration:none;transition:all .2s}
    .sticky-btn-ghost:hover{border-color:var(--swiss-gold);background:var(--gold-dim)}
    .sticky-close{position:absolute;right:16px;background:none;border:none;color:var(--steel-muted);font-size:22px;cursor:pointer;line-height:1;padding:6px}
    .sticky-close:hover{color:var(--white)}
    .breadcrumb{background:var(--navy-mid);padding:10px 48px;font-size:13px;color:var(--steel-muted)}
    
    .breadcrumb a{color:var(--steel-muted);text-decoration:none;transition:color .2s}
    .breadcrumb a:hover{color:var(--swiss-gold)}
    .breadcrumb span{margin:0 8px}
    .breadcrumb-current{color:var(--text-light)}
    .article-hero{background:var(--navy-deep);padding:64px 48px 0;position:relative;overflow:hidden}
    .article-hero::before{content:'';position:absolute;top:-80px;right:-80px;width:500px;height:500px;background:radial-gradient(circle,rgba(201,168,76,0.06) 0%,transparent 65%);pointer-events:none}
    .article-hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 300px;gap:60px;align-items:start;position:relative;z-index:1}
    .article-meta-top{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:20px;animation:fadeUp .4s ease both}
    .article-cat{display:inline-flex;align-items:center;gap:6px;background:var(--gold-dim);border:1px solid rgba(201,168,76,0.3);color:var(--swiss-gold);padding:5px 12px;border-radius:2px;font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;transition:background .2s}
    .article-cat:hover{background:rgba(201,168,76,0.2)}
    .article-date,.article-read{font-size:13px;color:var(--steel-muted)}
    .article-sep{color:var(--steel-dark)}
    .article-hero h1{font-family:'Playfair Display',serif;font-size:clamp(26px,3.2vw,44px);font-weight:700;color:var(--white);line-height:1.12;margin-bottom:20px;animation:fadeUp .4s .08s ease both}
    .article-hero h1 em{font-style:italic;color:var(--swiss-gold)}
    .article-intro{font-size:17px;color:var(--text-light);line-height:1.7;margin-bottom:28px;max-width:580px;animation:fadeUp .4s .16s ease both;font-weight:300}
    .article-author{display:flex;align-items:center;gap:12px;padding:14px 0;border-top:1px solid rgba(201,168,76,0.15);animation:fadeUp .4s .24s ease both}
    .author-avatar{width:38px;height:38px;background:var(--navy-light);border:2px solid var(--swiss-gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--swiss-gold);font-size:12px;flex-shrink:0}
    .author-info strong{display:block;color:var(--white);font-size:13px}
    .author-info span{font-size:12px;color:var(--steel-muted)}
    .toc-card{background:var(--navy-mid);border:1px solid var(--border-gold);border-radius:8px;padding:22px;position:sticky;top:20px;animation:fadeUp .4s .1s ease both}
    .toc-title{font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--swiss-gold);margin-bottom:12px}
    .toc-list{list-style:none;display:flex;flex-direction:column;gap:1px}
    .toc-list li a{display:block;font-size:13px;color:var(--text-light);text-decoration:none;padding:6px 9px;border-radius:4px;border-left:2px solid transparent;transition:all .2s;line-height:1.4}
    .toc-list li a:hover,.toc-list li a.active{color:var(--swiss-gold);border-left-color:var(--swiss-gold);background:rgba(201,168,76,0.06)}
    .toc-cta{margin-top:18px;padding-top:16px;border-top:1px solid var(--border-gold)}
    .toc-cta p{font-size:12px;color:var(--steel-muted);margin-bottom:10px;line-height:1.5}
    .btn-primary{background:var(--swiss-gold);color:var(--navy-deep);padding:11px 18px;border-radius:4px;font-weight:600;font-size:13px;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:6px;transition:all .25s}
    .btn-primary:hover{background:var(--gold-light);transform:translateY(-1px)}
    .hero-trust{max-width:1200px;margin:36px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,0.1);position:relative;z-index:1}
    .trust-item{padding:13px 15px;display:flex;align-items:center;gap:8px;border-right:1px solid rgba(201,168,76,0.08);font-size:12px;color:var(--steel-muted)}
    .trust-item:last-child{border-right:none}
    .trust-icon{font-size:14px;flex-shrink:0}
    .article-layout{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 300px;gap:60px;padding:52px 48px;align-items:start}
    .article-content{min-width:0}
    .article-content h2{font-family:'Playfair Display',serif;font-size:clamp(21px,2.3vw,29px);font-weight:700;color:var(--navy-deep);line-height:1.2;margin:48px 0 16px;padding-top:8px;border-top:2px solid var(--border-navy)}
    .article-content h2:first-child{margin-top:0;border-top:none}
    .article-content h3{font-family:'Playfair Display',serif;font-size:clamp(16px,1.7vw,21px);font-weight:600;color:var(--navy-deep);line-height:1.3;margin:28px 0 10px}
    .article-content p{font-size:16px;color:var(--text-body);line-height:1.8;margin-bottom:16px;max-width:68ch}
    .article-content ul,.article-content ol{margin:6px 0 16px;padding-left:0;list-style:none;display:flex;flex-direction:column;gap:8px}
    .article-content ul li,.article-content ol li{font-size:16px;color:var(--text-body);line-height:1.7;padding-left:22px;position:relative;max-width:66ch}
    .article-content ul li::before{content:'';position:absolute;left:0;top:11px;width:6px;height:6px;background:var(--swiss-gold);border-radius:50%}
    .article-content ol{counter-reset:ol-counter}
    .article-content ol li{counter-increment:ol-counter}
    .article-content ol li::before{content:counter(ol-counter);position:absolute;left:0;top:0;width:18px;height:18px;background:var(--navy-deep);color:var(--swiss-gold);border-radius:3px;font-size:10px;font-weight:700;display:flex;align-items:center;justify-content:center;margin-top:3px}
    .article-content strong{color:var(--navy-deep);font-weight:600}
    .article-content em{font-style:italic;color:var(--steel-dark)}
    .article-content a{color:var(--navy-mid);text-decoration:underline;text-decoration-color:rgba(201,168,76,0.4);text-underline-offset:3px;transition:color .2s,text-decoration-color .2s}
    .article-content a:hover{color:var(--swiss-gold);text-decoration-color:var(--swiss-gold)}
    .highlight-box{background:var(--navy-deep);border-radius:8px;padding:26px 30px;margin:28px 0;position:relative;overflow:hidden}
    .highlight-box::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--swiss-gold),transparent)}
    .highlight-box p{color:var(--text-light)!important;margin-bottom:10px;font-size:15px!important}
    .highlight-box p:last-child{margin-bottom:0}
    .highlight-box strong{color:var(--white)!important}
    .highlight-tag{font-size:10px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--swiss-gold);margin-bottom:10px;display:block}
    .info-box{background:var(--warm-cream-dark);border-left:3px solid var(--swiss-gold);border-radius:0 6px 6px 0;padding:18px 22px;margin:24px 0}
    .info-box p{color:var(--text-body)!important;font-size:14px!important;margin-bottom:8px}
    .info-box p:last-child{margin-bottom:0}
    .info-box strong{color:var(--navy-deep)!important}
    .article-table-wrap{overflow-x:auto;margin:24px 0;border-radius:8px}
    .article-table{width:100%;border-collapse:collapse;font-size:14px}
    .article-table thead{background:var(--navy-deep)}
    .article-table thead th{padding:11px 15px;text-align:left;color:var(--swiss-gold);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap}
    .article-table tbody tr{border-bottom:1px solid var(--border-navy);transition:background .15s}
    .article-table tbody tr:hover{background:rgba(201,168,76,0.04)}
    .article-table tbody td{padding:10px 15px;color:var(--text-body);line-height:1.5}
    .article-table tbody td:first-child{font-weight:600;color:var(--navy-deep)}
    .article-table tbody tr:last-child{border-bottom:none}
    .badge-10{display:inline-block;background:rgba(239,68,68,0.12);border:1px solid rgba(239,68,68,0.25);color:#f87171;padding:2px 7px;border-radius:3px;font-size:11px;font-weight:700;white-space:nowrap}
    .badge-5{display:inline-block;background:rgba(251,191,36,0.12);border:1px solid rgba(251,191,36,0.25);color:#fbbf24;padding:2px 7px;border-radius:3px;font-size:11px;font-weight:700;white-space:nowrap}
    .badge-spec{display:inline-block;background:var(--gold-dim);border:1px solid var(--border-gold);color:var(--swiss-gold);padding:2px 7px;border-radius:3px;font-size:11px;font-weight:700;white-space:nowrap}
    .checklist-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:24px 0 32px}
    .checklist-card{background:var(--white);border-radius:8px;padding:20px;border-top:3px solid var(--border-gold);transition:border-top-color .25s,box-shadow .25s}
    .checklist-card:hover{border-top-color:var(--swiss-gold);box-shadow:0 4px 14px rgba(15,35,64,.07)}
    .checklist-card-title{font-size:13px;font-weight:700;color:var(--navy-deep);margin-bottom:10px;display:flex;align-items:center;gap:8px}
    .checklist-card-title span{font-size:18px}
    .checklist-items{list-style:none;display:flex;flex-direction:column;gap:6px}
    .checklist-items li{font-size:13px;color:var(--text-body);line-height:1.5;padding-left:18px;position:relative}
    .checklist-items li::before{content:'✓';position:absolute;left:0;color:var(--swiss-gold);font-size:11px;font-weight:700;top:1px}
    .inline-cta{background:var(--navy-mid);border-radius:8px;padding:26px 30px;margin:36px 0;display:flex;align-items:center;justify-content:space-between;gap:22px;border:1px solid var(--border-gold);flex-wrap:wrap}
    .inline-cta-text p{font-size:15px;color:var(--text-light);margin:0}
    
    .btn-cta-gold{background:var(--swiss-gold);color:var(--navy-deep);padding:11px 22px;border-radius:4px;font-weight:600;font-size:14px;text-decoration:none;white-space:nowrap;transition:all .2s;flex-shrink:0}
    .btn-cta-gold:hover{background:var(--gold-light);transform:translateY(-1px)}
    .article-sidebar{display:flex;flex-direction:column;gap:18px;position:sticky;top:20px}
    .sidebar-cta{background:var(--navy-deep);border-radius:8px;padding:24px;border:1px solid var(--border-gold);position:relative;overflow:hidden}
    .sidebar-cta::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--swiss-gold),transparent)}
    .sidebar-cta-tag{font-size:10px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--swiss-gold);margin-bottom:8px;display:block}
    .sidebar-cta h3{font-family:'Playfair Display',serif;font-size:17px;color:var(--white);line-height:1.3;margin-bottom:8px}
    .sidebar-cta p{font-size:13px;color:var(--text-light);line-height:1.6;margin-bottom:16px}
    .sidebar-links{background:var(--white);border-radius:8px;padding:20px;border:1px solid var(--border-navy)}
    .sidebar-links-title{font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--steel-dark);margin-bottom:12px}
    .sidebar-links ul{list-style:none;display:flex;flex-direction:column}
    .sidebar-links ul li{border-bottom:1px solid var(--border-navy)}
    .sidebar-links ul li:last-child{border-bottom:none}
    .sidebar-links ul li a{display:flex;align-items:center;gap:7px;padding:9px 0;font-size:13px;color:var(--text-body);text-decoration:none;transition:color .2s;line-height:1.4}
    .sidebar-links ul li a:hover{color:var(--swiss-gold)}
    .sidebar-links ul li a::before{content:'→';color:var(--swiss-gold);font-size:11px;flex-shrink:0}
    .sidebar-tip{background:var(--warm-cream-dark);border-radius:8px;padding:18px 20px;border-left:3px solid var(--swiss-gold)}
    .sidebar-tip-tag{font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--swiss-gold);margin-bottom:7px;display:block}
    .sidebar-tip p{font-size:13px;color:var(--text-body);line-height:1.6;margin:0}
    .faq-mini{margin:36px 0}
    .faq-mini-title{font-family:'Playfair Display',serif;font-size:22px;color:var(--navy-deep);margin-bottom:14px}
    .faq-mini-list{display:flex;flex-direction:column;gap:2px;background:var(--border-navy);border-radius:8px;overflow:hidden}
    .faq-mini-item{background:var(--white)}
    .faq-mini-btn{width:100%;text-align:left;background:none;border:none;padding:16px 20px;display:flex;align-items:center;justify-content:space-between;gap:12px;cursor:pointer;transition:background .2s}
    .faq-mini-btn:hover{background:rgba(15,35,64,.02)}
    .faq-mini-q{font-size:14px;font-weight:600;color:var(--navy-deep);flex:1;text-align:left;line-height:1.4}
    .faq-mini-icon{width:24px;height:24px;flex-shrink:0;background:var(--gold-dim);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--swiss-gold);font-size:18px;font-weight:300;transition:transform .3s}
    .faq-mini-item.open .faq-mini-icon{transform:rotate(45deg)}
    .faq-mini-answer{max-height:0;overflow:hidden;transition:max-height .3s ease,padding .2s;padding:0 20px}
    .faq-mini-item.open .faq-mini-answer{max-height:400px;padding-bottom:16px}
    .faq-mini-answer p{font-size:14px;color:var(--text-body);line-height:1.7;border-top:1px solid var(--border-navy);padding-top:10px;margin:0;max-width:none}
    .article-footer-wrap{background:var(--navy-deep);padding:52px 48px}
    
    .article-tags{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:36px}
    .article-tags-label{font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--steel-dark)}
    .tag-pill{background:rgba(201,168,76,0.1);border:1px solid var(--border-gold);color:var(--swiss-gold);padding:5px 11px;border-radius:20px;font-size:12px;text-decoration:none;transition:all .2s}
    .tag-pill:hover{background:rgba(201,168,76,0.2)}
    .article-cta-box{background:var(--navy-mid);border-radius:10px;padding:40px;display:grid;grid-template-columns:1fr auto;gap:36px;align-items:center;border:1px solid var(--border-gold);position:relative;overflow:hidden}
    .article-cta-box::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--swiss-gold),transparent)}
    .article-cta-box h2{font-family:'Playfair Display',serif;font-size:24px;color:var(--white);margin-bottom:8px;line-height:1.2}
    .article-cta-box h2 em{font-style:normal;color:var(--swiss-gold)}
    .article-cta-box p{font-size:14px;color:var(--text-light);line-height:1.7}
    .cta-btns{display:flex;flex-direction:column;gap:10px;flex-shrink:0}
    .btn-phone{display:flex;align-items:center;justify-content:center;gap:7px;background:rgba(201,168,76,0.12);border:1px solid var(--border-gold);color:var(--swiss-gold);padding:11px 20px;border-radius:4px;font-size:13px;font-weight:600;text-decoration:none;white-space:nowrap;transition:all .2s}
    
    .cta-note{font-size:11px;color:var(--steel-muted);text-align:center}
    .cta-email{display:block;font-size:12px;color:var(--steel-muted);text-decoration:none;text-align:center;transition:color .2s}
    .cta-email:hover{color:var(--swiss-gold)}
    .related-posts{margin-top:36px}
    .related-posts-title{font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--steel-dark);margin-bottom:14px}
    .related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--border-gold);border-radius:8px;overflow:hidden}
    .related-card{background:var(--navy-mid);padding:20px;text-decoration:none;display:block;transition:background .2s}
    .related-card:hover{background:var(--navy-light)}
    .related-cat{font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--swiss-gold);margin-bottom:7px;display:block}
    .related-card h3{font-family:'Playfair Display',serif;font-size:14px;color:var(--white);line-height:1.35;margin-bottom:7px}
    .related-card p{font-size:12px;color:var(--steel-muted);line-height:1.5}
    .btn-phone-sm{margin-top:10px;font-size:12px;padding:9px 14px;}
    .page-end-cta-wrap{background:var(--navy-mid);padding:56px 48px 64px;margin-top:0}
    .page-end-cta-inner{max-width:1380px;margin:0 auto}
    .page-end-cta-box{background:linear-gradient(135deg,var(--navy-deep) 0%, #10294a 100%);border:1px solid var(--border-gold);border-radius:14px;padding:44px 48px;display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:center;position:relative;overflow:hidden;box-shadow:0 18px 50px rgba(0,0,0,.18)}
    .page-end-cta-box::before{content:'';position:absolute;top:0;right:0;width:34%;height:100%;background:linear-gradient(135deg,transparent 20%, rgba(201,168,76,0.05) 100%);pointer-events:none}
    .page-end-cta-box::after{content:'';position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,var(--swiss-gold) 0%, rgba(201,168,76,0.15) 62%, transparent 100%)}
    .page-end-cta-title{font-family:'Playfair Display',serif;font-size:clamp(22px,2.2vw,30px);line-height:1.2;color:var(--white);margin:0 0 10px;max-width:760px}
    .page-end-cta-title em{font-style:normal;color:var(--swiss-gold)}
    .page-end-cta-text{font-size:15px;line-height:1.7;color:var(--text-light);max-width:860px;margin:0;text-align:left}
    .page-end-cta-actions{display:flex;flex-direction:column;gap:14px;align-items:stretch;position:relative;z-index:1}
    .page-end-cta-actions .btn-primary,.page-end-cta-actions .btn-phone{width:100%;justify-content:center;min-height:58px;font-size:15px;padding:15px 24px;border-radius:6px}
    .page-end-cta-actions .btn-phone{background:rgba(255,255,255,0.06);border-color:rgba(201,168,76,0.16);color:var(--text-light)}
    .page-end-cta-actions .btn-phone:hover{background:rgba(201,168,76,0.14);border-color:var(--swiss-gold);color:var(--white)}
    .page-end-cta-actions .btn-phone svg{stroke:var(--swiss-gold)}
    .page-end-cta-note{font-size:13px;line-height:1.45;color:var(--steel-muted);text-align:center;padding-top:2px}
    @keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
    @media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}
    @media(max-width:1024px){
      .article-hero-inner,.article-layout{grid-template-columns:1fr;gap:36px}
      .toc-card,.article-sidebar{position:static}
      .hero-trust{grid-template-columns:1fr 1fr}
      .article-hero,.breadcrumb{padding-left:24px;padding-right:24px}
      .article-layout{padding:36px 24px}
      .article-footer-wrap{padding:36px 24px}
      .article-cta-box{grid-template-columns:1fr;gap:24px}
      .page-end-cta-wrap{padding:42px 24px 48px}
      .page-end-cta-box{grid-template-columns:1fr;gap:26px;padding:34px 28px}
      
    }
    @media(max-width:640px){.hero-trust{grid-template-columns:1fr}.inline-cta{flex-direction:column}.sticky-cta-text{display:none}.page-end-cta-title{font-size:clamp(28px,8vw,34px)}.page-end-cta-text{font-size:15px}.page-end-cta-box{padding:28px 20px}.page-end-cta-actions .btn-primary,.page-end-cta-actions .btn-phone{min-height:54px;font-size:14px}}
    @media print{.scroll-top,.progress-bar{display:none}.article-hero{background:#0F2340!important;-webkit-print-color-adjust:exact}}