*,*::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 */
    .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}

    /* 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;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;padding:8px}

    /* SCROLL TOP */
    .scroll-top{position:fixed;bottom:70px;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;color:#C9A84C;font-size:18px;text-decoration:none}
    .scroll-top.visible{opacity:1;pointer-events:auto}
    .scroll-top:hover{background:#234870}

    /* 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(201,168,76,0.07) 0%,transparent 65%);pointer-events:none}
    .article-header::after{content:'CHF';position:absolute;right:32px;bottom:-16px;font-size:160px;font-weight:700;color:rgba(201,168,76,0.04);line-height:1;pointer-events:none;user-select:none;font-family:'Playfair Display',serif}
    .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 */
    .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 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)}

    /* 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}
    .sidebar-tip{background:rgba(201,168,76,0.10);border:1px solid rgba(201,168,76,0.22);border-radius:8px;padding:18px}
    .sidebar-tip-icon{font-size:20px;margin-bottom:8px;display:block}
    .sidebar-tip p{font-size:13px;color:#0F2340;line-height:1.6}
    .sidebar-tip strong{color:#0F2340}

    /* 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}
    .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:22px;margin-bottom:16px}
    .article-body li{font-size:15px;color:#3D4F63;line-height:1.72;margin-bottom:7px}
    .article-body a{color:#C9A84C;text-decoration:none;border-bottom:1px solid rgba(201,168,76,0.22);transition:border-color .2s}
    .article-body a:hover{border-bottom-color:#C9A84C}

    /* SUMMARY */
    .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-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
    .summary-item{display:flex;align-items:flex-start;gap:9px;font-size:13px;color:#3D4F63;line-height:1.5;padding:8px 12px;background:#F5F1EA;border-radius:5px}
    .summary-dot{width:6px;height:6px;border-radius:50%;flex-shrink:0;margin-top:4px}
    .summary-dot.gold{background:#C9A84C}
    .summary-dot.red{background:#f87171}
    .summary-dot.green{background:#34d399}

    /* COMPARAISON TABLE */
    .comp-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:28px 0;border-radius:8px;border:1px solid rgba(15,35,64,0.09)}
    .comp-table{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
    .comp-table thead{background:#0F2340}
    .comp-table thead th{padding:14px 18px;color:#FFFFFF;font-weight:600;text-align:left;font-size:13px}
    .comp-table thead th:first-child{border-radius:8px 0 0 0}
    .comp-table thead th:last-child{border-radius:0 8px 0 0}
    .comp-table thead th.col-salaire{color:#C9A84C}
    .comp-table thead th.col-dividende{color:#34d399}
    .comp-table tbody tr:nth-child(even){background:#F5F1EA}
    .comp-table tbody tr:nth-child(odd){background:#FFFFFF}
    .comp-table tbody tr:hover{background:rgba(201,168,76,0.06)}
    .comp-table td{padding:12px 18px;color:#3D4F63;border-bottom:1px solid rgba(15,35,64,0.07);vertical-align:top;line-height:1.5}
    .comp-table td:first-child{font-weight:600;color:#0F2340;font-size:13px}
    .td-avantage{color:#34d399;font-weight:600}
    .td-inconvenient{color:#f87171;font-weight:600}
    .td-neutre{color:#8A96A3}

    /* PAA CARD */
    .paa-card{background:#FFFFFF;border-radius:10px;border:1px solid rgba(15,35,64,0.09);overflow:hidden;margin:36px 0}
    .paa-card-header{background:#0F2340;padding:18px 24px;display:flex;align-items:center;gap:14px}
    .paa-icon{width:40px;height:40px;background:rgba(248,113,113,0.15);border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:18px}
    .paa-card-title{font-family:'Playfair Display',serif;font-size:17px;font-weight:700;color:#FFFFFF;line-height:1.2}
    .paa-card-sub{font-size:12px;color:#8A96A3;margin-top:2px}
    .paa-card-body{padding:22px 24px}
    .paa-card-body p{font-size:14px;color:#3D4F63;line-height:1.7;margin-bottom:12px}
    .paa-card-body p:last-child{margin-bottom:0}
    .paa-risk{background:rgba(239,68,68,0.07);border-left:3px solid #f87171;border-radius:0 5px 5px 0;padding:10px 14px;margin:12px 0;font-size:13px;color:#3D4F63;line-height:1.6}
    .paa-risk strong{color:#f87171;display:block;font-size:11px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:3px}

    /* SIMULATION BOX */
    .simulation-box{background:#FFFFFF;border-radius:10px;border:1px solid rgba(15,35,64,0.09);overflow:hidden;margin:36px 0}
    .sim-header{background:linear-gradient(135deg,#0F2340,#1A3A5C);padding:20px 28px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
    .sim-title{font-family:'Playfair Display',serif;font-size:18px;font-weight:700;color:#FFFFFF}
    .sim-badge{background:rgba(201,168,76,0.2);border:1px solid rgba(201,168,76,0.35);color:#C9A84C;font-size:11px;font-weight:600;padding:4px 12px;border-radius:10px}
    .sim-body{padding:24px 28px}
    .sim-scenario{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
    .sim-col{background:#F5F1EA;border-radius:7px;padding:16px}
    .sim-col.highlighted{background:#0F2340;border:1px solid rgba(201,168,76,0.2)}
    .sim-col-label{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px;display:block}
    .sim-col .sim-col-label{color:#586472}
    .sim-col.highlighted .sim-col-label{color:#C9A84C}
    .sim-row{display:flex;justify-content:space-between;align-items:baseline;padding:5px 0;border-bottom:1px solid rgba(15,35,64,0.07);font-size:13px}
    .sim-col.highlighted .sim-row{border-bottom-color:rgba(201,168,76,0.1)}
    .sim-row:last-child{border-bottom:none}
    .sim-row-label{color:#586472}
    .sim-col.highlighted .sim-row-label{color:#8A96A3}
    .sim-row-value{font-weight:600;color:#0F2340}
    .sim-col.highlighted .sim-row-value{color:#FFFFFF}
    .sim-row-value.positive{color:#34d399}
    .sim-row-value.negative{color:#f87171}
    .sim-total{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0 0;margin-top:8px;border-top:2px solid rgba(15,35,64,0.12);font-size:15px;font-weight:700}
    .sim-col.highlighted .sim-total{border-top-color:rgba(201,168,76,0.3)}
    .sim-total-label{color:#0F2340}
    .sim-col.highlighted .sim-total-label{color:#FFFFFF}
    .sim-total-value{font-family:'Playfair Display',serif;font-size:20px;color:#C9A84C}
    .sim-note{font-size:11px;color:#8A96A3;margin-top:16px;font-style:italic;line-height:1.5}

    /* TIP / WARNING */
    .tip-box{background:rgba(201,168,76,0.09);border-left:4px solid #C9A84C;border-radius:0 8px 8px 0;padding:16px 20px;margin:28px 0}
    .tip-label{font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#C9A84C;margin-bottom:5px}
    .tip-box p{font-size:14px;color:#3D4F63;line-height:1.7;margin:0}
    .warning-box{background:rgba(239,68,68,0.07);border-left:4px solid #f87171;border-radius:0 8px 8px 0;padding:16px 20px;margin:28px 0}
    .warning-label{font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#f87171;margin-bottom:5px}
    .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;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;display:inline-flex;align-items:center;gap:8px;transition:background .2s}
    .btn-inline:hover{background:#E2C97A}

    /* 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:500px;padding-bottom:22px}
    .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}

    /* CTA FINAL */
    .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%)}
    .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)}
    .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}

    /* RESPONSIVE 1024 */
    @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}
      .sim-scenario{grid-template-columns:1fr}
      
    }
    /* RESPONSIVE 640 */
    @media(max-width:640px){
      .article-header{padding:40px 16px 36px}
      .article-header::after{display:none}
      .article-wrapper{padding:24px 16px}
      .article-cta{padding:40px 16px}
      .inline-cta{padding:20px 16px}
      .btn-inline,.btn-primary,.btn-phone{width:100%;justify-content:center;min-height:44px}
      .paa-card-header{flex-wrap:wrap;gap:10px}
      .paa-card-body,.sim-body{padding:16px}
      .comp-table th,.comp-table td{padding:10px 12px;font-size:13px}
      .header-toc-list a{font-size:11px;padding:4px 8px}
      .sticky-cta-text{display:none}
      .scroll-top{bottom:72px;right:14px}
      
      .faq-question{padding:16px}
      .faq-answer{padding:0 16px}
    }
    /* RESPONSIVE 380 */
    @media(max-width:380px){
      .article-header h1{font-size:22px}
      .article-lead{font-size:15px}
      .sim-row{flex-direction:column;gap:2px}
    }
    @media print{
      .sticky-cta,.scroll-top,.inline-cta,.article-cta{display:none}
      body{background:white}
      .article-header{background:#0F2340!important;-webkit-print-color-adjust:exact}
    }