*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
    html{scroll-behavior:smooth;scroll-padding-top:24px}
    body{font-family:'DM Sans',sans-serif;background:#F5F1EA;color:#0F2340;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:#C9A84C;color:#0F2340;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 #C9A84C;outline-offset:3px;border-radius:2px}

    /* PROGRESS BAR */
    .progress-bar{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,#C9A84C,#E2C97A);width:0%;z-index:1000;transition:width .1s linear}

    /* SCROLL TOP */
    .scroll-top{position:fixed;bottom:30px;right:24px;width:44px;height:44px;background:#1A3A5C;border:1px solid rgba(201,168,76,0.18);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:#C9A84C;font-size:18px;text-decoration:none}
    .scroll-top.visible{opacity:1;pointer-events:auto}
    .scroll-top:hover{background:#234870}

    /* ARTICLE HEADER */
    .article-header{background:#0F2340;padding:64px 48px 52px;position:relative;overflow:hidden}
    .article-header::before{content:'';position:absolute;top:-80px;right:-60px;width:600px;height:600px;background:radial-gradient(circle,rgba(239,68,68,0.06) 0%,transparent 65%);pointer-events:none}
    .article-header::after{content:'⚠';position:absolute;right:48px;bottom:-20px;font-size:200px;color:rgba(201,168,76,0.04);line-height:1;pointer-events:none;user-select:none}
    .article-header-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1}
    .article-cat{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,0.12);border:1px solid rgba(201,168,76,0.28);color:#C9A84C;padding:5px 12px;border-radius:2px;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;margin-bottom:20px;text-decoration:none;transition:background .2s}
    .article-cat:hover{background:rgba(201,168,76,.2)}
    .article-header h1{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,42px);font-weight:700;color:#FFFFFF;line-height:1.15;margin-bottom:18px}
    .article-header h1 em{font-style:normal;color:#C9A84C}
    .article-lead{font-size:17px;color:#D4DCE5;line-height:1.72;max-width:700px;margin-bottom:28px}
    .article-meta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;font-size:13px;color:#8A96A3}
    .article-meta time{color:#D4DCE5}
    .article-sep{color:#586472}
    .article-read{color:#C9A84C;font-weight:600}
    .author-block{display:flex;align-items:center;gap:12px;margin-top:24px;padding-top:24px;border-top:1px solid rgba(201,168,76,0.18)}
    .author-avatar{width:42px;height:42px;background:#1A3A5C;border:2px solid #C9A84C;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:#C9A84C;font-size:14px;flex-shrink:0}
    .author-info strong{display:block;color:#FFFFFF;font-size:14px}
    .author-info span{color:#8A96A3;font-size:12px}

    /* TOC IN HEADER */
    .header-toc{margin-top:28px;padding-top:22px;border-top:1px solid rgba(201,168,76,0.18)}
    .header-toc-label{font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#C9A84C;margin-bottom:12px;display:flex;align-items:center;gap:7px}
    .header-toc-list{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
    .header-toc-list li{display:inline-flex}
    .header-toc-list a{font-size:12px;font-weight:500;color:#D4DCE5;text-decoration:none;padding:5px 11px;border-radius:20px;border:1px solid rgba(212,220,229,0.18);background:rgba(255,255,255,0.05);transition:all .2s;white-space:nowrap}
    .header-toc-list a:hover,.header-toc-list a.active{color:#C9A84C;border-color:rgba(201,168,76,0.45);background:rgba(201,168,76,0.10)}

    /* ARTICLE LAYOUT */
    .article-wrapper{max-width:1200px;margin:0 auto;padding:52px 48px;display:grid;grid-template-columns:1fr 300px;gap:52px;align-items:start}

    /* SIDEBAR */
    .article-sidebar{display:flex;flex-direction:column;gap:20px;position:sticky;top:20px}
    .sidebar-cta{background:#0F2340;border-radius:8px;padding:24px;border:1px solid rgba(201,168,76,0.18);position:relative;overflow:hidden}
    .sidebar-cta::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,#C9A84C,transparent)}
    .sidebar-cta-tag{font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#C9A84C;margin-bottom:12px;display:block}
    .sidebar-cta h3{font-family:'Playfair Display',serif;font-size:18px;color:#FFFFFF;margin-bottom:10px;line-height:1.3}
    .sidebar-cta p{font-size:13px;color:#D4DCE5;line-height:1.6;margin-bottom:16px}
    .btn-sidebar{display:block;background:#C9A84C;background-color:#C9A84C;color:#0F2340;-webkit-text-fill-color:#0F2340;padding:12px 18px;border-radius:4px;font-weight:600;font-size:14px;text-decoration:none;text-align:center;transition:background .2s;margin-bottom:8px}
    .btn-sidebar:hover{background:#E2C97A}
    .btn-sidebar-ghost{display:block;text-align:center;font-size:13px;color:#8A96A3;text-decoration:none;transition:color .2s}
    .btn-sidebar-ghost:hover{color:#C9A84C}
    .sidebar-links{background:#FFFFFF;border-radius:8px;padding:20px;border:1px solid rgba(15,35,64,0.09)}
    .sidebar-links-title{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#586472;margin-bottom:12px}
    .sidebar-links a{display:flex;align-items:flex-start;gap:8px;font-size:13px;color:#3D4F63;text-decoration:none;padding:7px 0;border-bottom:1px solid rgba(15,35,64,0.09);transition:color .2s;line-height:1.4}
    .sidebar-links a:last-child{border-bottom:none;padding-bottom:0}
    .sidebar-links a:hover{color:#C9A84C}
    .sidebar-links a::before{content:'→';color:#C9A84C;flex-shrink:0;margin-top:1px}

    /* ARTICLE BODY */
    .article-body{min-width:0}
    .article-body h2{font-family:'Playfair Display',serif;font-size:clamp(20px,2.2vw,28px);font-weight:700;color:#0F2340;margin:52px 0 16px;line-height:1.2;scroll-margin-top:24px;padding-top:8px}
    .article-body h2:first-child{margin-top:0}
    .article-body h3{font-size:17px;font-weight:600;color:#0F2340;margin:28px 0 10px;line-height:1.3}
    .article-body p{font-size:15px;color:#3D4F63;line-height:1.78;margin-bottom:16px}
    .article-body strong{color:#0F2340}
    .article-body ul,.article-body ol{padding-left:24px;margin-bottom:16px}
    .article-body li{font-size:15px;color:#3D4F63;line-height:1.72;margin-bottom:6px}
    .article-body a{color:#C9A84C;text-decoration:none;border-bottom:1px solid rgba(201,168,76,0.18);transition:border-color .2s}
    .article-body a:hover{border-bottom-color:#C9A84C}

    /* ERREUR CARD */
    .erreur-article{background:#FFFFFF;border-radius:10px;border:1px solid rgba(15,35,64,0.09);overflow:hidden;margin:36px 0;position:relative}
    .erreur-article-header{background:#0F2340;padding:20px 28px;display:grid;grid-template-columns:48px 1fr auto;gap:14px;align-items:center}
    .erreur-num{font-family:'Playfair Display',serif;font-size:28px;font-weight:700;color:rgba(201,168,76,0.4);line-height:1}
    .erreur-title{font-family:'Playfair Display',serif;font-size:18px;font-weight:700;color:#FFFFFF;line-height:1.2}
    .erreur-severity{font-size:11px;font-weight:700;padding:4px 10px;border-radius:3px;white-space:nowrap}
    .sev-critical{background:rgba(239,68,68,0.2);color:#f87171;border:1px solid rgba(239,68,68,0.3)}
    .sev-high{background:rgba(251,191,36,0.15);color:#fbbf24;border:1px solid rgba(251,191,36,0.3)}
    .sev-medium{background:rgba(59,130,246,0.15);color:#60a5fa;border:1px solid rgba(59,130,246,0.3)}
    .erreur-impact-chf{display:flex;align-items:center;gap:8px;background:rgba(201,168,76,0.10);border:1px solid rgba(201,168,76,0.22);color:#586472;font-size:12px;font-weight:600;padding:8px 14px;border-radius:4px;margin-bottom:14px;white-space:normal;word-break:normal;overflow-wrap:break-word;line-height:1.4}
    .erreur-body{padding:24px 28px}
    .erreur-body p{font-size:14px;color:#3D4F63;line-height:1.72;margin-bottom:14px}
    .erreur-body p:last-child{margin-bottom:0}
    .erreur-consequence{background:rgba(239,68,68,0.06);border-left:3px solid #f87171;border-radius:0 6px 6px 0;padding:12px 16px;margin:14px 0}
    .erreur-consequence-label{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#f87171;margin-bottom:4px}
    .erreur-consequence p{font-size:13px;color:#3D4F63;margin:0}
    .erreur-solution{background:rgba(16,185,129,0.07);border-left:3px solid #34d399;border-radius:0 6px 6px 0;padding:12px 16px;margin:14px 0}
    .erreur-solution-label{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#34d399;margin-bottom:4px}
    .erreur-solution p{font-size:13px;color:#3D4F63;margin:0}

    /* TIP + WARNING */
    .tip-box{background:rgba(201,168,76,0.10);border-left:4px solid #C9A84C;border-radius:0 8px 8px 0;padding:18px 22px;margin:28px 0}
    .tip-label{font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#C9A84C;margin-bottom:6px}
    .tip-box p{font-size:14px;color:#3D4F63;line-height:1.7;margin:0}
    .warning-box{background:rgba(239,68,68,0.08);border-left:4px solid #f87171;border-radius:0 8px 8px 0;padding:18px 22px;margin:28px 0}
    .warning-label{font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#f87171;margin-bottom:6px}
    .warning-box p{font-size:14px;color:#3D4F63;line-height:1.7;margin:0}

    /* INLINE CTA */
    .inline-cta{background:#0F2340;border-radius:8px;padding:28px 32px;margin:40px 0;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
    .inline-cta p{font-size:15px;color:#D4DCE5;line-height:1.6;margin:0}
    .inline-cta strong{color:#FFFFFF}
    .btn-inline{background:#C9A84C;background-color:#C9A84C;color:#0F2340;-webkit-text-fill-color:#0F2340;padding:12px 22px;border-radius:4px;font-weight:600;font-size:14px;text-decoration:none;white-space:nowrap;transition:background .2s;display:inline-flex;align-items:center;gap:8px}
    .btn-inline:hover{background:#E2C97A}

    /* SUMMARY BOX */
    .summary-box{background:#FFFFFF;border-radius:10px;border:1px solid rgba(15,35,64,0.09);padding:28px;margin:0 0 40px}
    .summary-title{font-family:'Playfair Display',serif;font-size:16px;font-weight:700;color:#0F2340;margin-bottom:16px;padding-bottom:12px;border-bottom:1px solid rgba(15,35,64,0.09)}
    .summary-list{list-style:none;display:flex;flex-direction:column;gap:8px}
    .summary-list li{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:#3D4F63;line-height:1.5}
    .summary-dot{width:6px;height:6px;background:#C9A84C;border-radius:50%;flex-shrink:0;margin-top:5px}

    /* FAQ */
    .section-faq{margin-top:52px}
    .faq-list{display:flex;flex-direction:column;gap:2px;border-radius:8px;overflow:hidden;background:rgba(15,35,64,0.09)}
    .faq-item{background:#FFFFFF}
    .faq-question{width:100%;text-align:left;background:none;border:none;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:14px;cursor:pointer;transition:background .2s}
    .faq-question:hover{background:rgba(15,35,64,0.02)}
    .faq-title{font-size:14px;font-weight:600;color:#0F2340;line-height:1.4;text-align:left;flex:1}
    .faq-icon{width:26px;height:26px;flex-shrink:0;background:rgba(201,168,76,0.12);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#C9A84C;font-size:18px;line-height:1;font-weight:300;transition:transform .3s,background .2s}
    .faq-item.open .faq-icon{transform:rotate(45deg);background:rgba(201,168,76,.22)}
    .faq-answer{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s ease;padding:0 24px}
    .faq-item.open .faq-answer{max-height:400px;padding-bottom:20px}
    .faq-answer p{font-size:14px;color:#3D4F63;line-height:1.72;border-top:1px solid rgba(15,35,64,0.09);padding-top:14px;margin:0}

    /* ARTICLE CTA */
    .article-cta{background:#0F2340;padding:64px 48px;text-align:center;position:relative;overflow:hidden}
    .article-cta::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:600px;height:100%;background:radial-gradient(circle,rgba(201,168,76,0.06) 0%,transparent 70%);pointer-events:none}
    .cta-box{max-width:600px;margin:0 auto;position:relative;z-index:1}
    .cta-box h2{font-family:'Playfair Display',serif;font-size:28px;color:#FFFFFF;margin-bottom:12px;line-height:1.2}
    .cta-box h2 em{font-style:normal;color:#C9A84C}
    .cta-box p{font-size:15px;color:#D4DCE5;line-height:1.7;margin-bottom:28px}
    .cta-actions{display:flex;flex-direction:column;align-items:center;gap:12px}
    .btn-primary{background:#C9A84C;background-color:#C9A84C;color:#0F2340;-webkit-text-fill-color:#0F2340;padding:14px 30px;border-radius:4px;font-weight:600;font-size:15px;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:all .25s}
    .btn-primary:hover{background:#E2C97A;transform:translateY(-2px);box-shadow:0 8px 28px rgba(201,168,76,.32)}
    .btn-phone{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,0.18);color:#C9A84C;-webkit-text-fill-color:#C9A84C;padding:12px 24px;border-radius:4px;font-size:14px;font-weight:600;text-decoration:none;transition:all .2s}
    .btn-phone:hover{background:rgba(201,168,76,.2)}
    .cta-note{font-size:12px;color:#8A96A3}

    /* STICKY CTA */
    .sticky-cta{position:fixed;bottom:0;left:0;right:0;background:#0F2340;border-top:2px solid #C9A84C;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:#D4DCE5;font-size:14px;white-space:nowrap}
    .sticky-cta-text strong{color:#FFFFFF}
    .sticky-cta a{background:#C9A84C;background-color:#C9A84C;color:#0F2340;-webkit-text-fill-color:#0F2340;padding:10px 22px;border-radius:4px;font-weight:600;font-size:14px;text-decoration:none;white-space:nowrap;transition:background .2s}
    .sticky-cta a:hover{background:#E2C97A}
    .sticky-close{position:absolute;right:16px;background:none;border:none;color:#8A96A3;font-size:22px;cursor:pointer;line-height:1;padding:8px}

    /* RESPONSIVE */
    @media(max-width:1024px){
      .article-wrapper{grid-template-columns:1fr;gap:32px;padding:36px 24px}
      .article-sidebar{position:static}
      .article-header,.article-cta{padding-left:24px;padding-right:24px}
      .inline-cta{grid-template-columns:1fr;gap:16px}
    }
    @media(max-width:640px){
      .sticky-cta-text{display:none}

      .article-header{padding:40px 16px 36px}
      .article-header::after{display:none}
      .article-wrapper{padding:24px 16px}
      .article-cta{padding:40px 16px}
      .erreur-article-header{grid-template-columns:36px 1fr;gap:10px}
      .erreur-severity{display:none}
      .erreur-body{padding:18px 16px}
      .inline-cta{padding:20px 16px}
      .btn-inline{width:100%;justify-content:center;min-height:44px}
      .btn-primary,.btn-phone{width:100%;justify-content:center;min-height:44px}
      .header-toc-list{gap:4px}
      .header-toc-list a{font-size:11px;padding:4px 9px}
      .summary-box{padding:20px 16px}
      .tip-box,.warning-box{padding:14px 16px}
      .faq-question{padding:16px}
      .faq-answer{padding:0 16px}
    }
    @media(max-width:380px){
      .article-header h1{font-size:22px}
      .article-lead{font-size:15px}
    }
    @media print{
      .scroll-top,.sidebar-cta,.inline-cta,.article-cta{display:none}
      body{background:white}
      .article-header{background:#0F2340!important;-webkit-print-color-adjust:exact}
    }