:root{

--gold-dim:rgba(201,168,76,.12);--gold-bd:rgba(201,168,76,.22);
--steel:#8A96A3;--r:8px;
  --grn-dim:rgba(22,163,74,.1);--grn-bd:rgba(22,163,74,.25);--grn-txt:#2D7A3A;
  --red-dim:rgba(220,38,38,.1);--red-bd:rgba(220,38,38,.3);--red-txt:#8A2020;
  --amb-dim:rgba(245,158,11,.1);--amb-bd:rgba(245,158,11,.25);--amb-txt:#8A5A00;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px;overflow:hidden}.sec{padding:72px 24px;overflow:hidden}.sec.dk{background:var(--navy)}.sec.mid{background:var(--navy-mid)}.sec.cr{background:var(--cream)}.sec.crd{background:var(--cream-dk)}.sec.wh{background:#fff}
.sec-ttl em{font-style:normal;color:var(--gold)}
.sec-sub{font-size:15.5px;max-width:720px;line-height:1.75}.sec-sub.nv{color:var(--text)}.sec-sub.wh{color:rgba(212,220,229,.82)}.sec-hd{margin-bottom:40px}
.btn-gold{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy);padding:13px 26px;border-radius:4px;font-weight:600;font-size:15px;white-space:normal;text-align:center;line-height:1.4;cursor:pointer;border:none;transition:all .2s;font-family:'DM Sans',sans-serif;text-decoration:none}
.btn-ghost{display:inline-flex;align-items:center;gap:6px;color:rgba(212,220,229,.85);font-size:14px;padding:13px 0;border-bottom:1px solid rgba(201,168,76,.25);transition:all .2s;text-decoration:none;white-space:nowrap}
.tel-link{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--gold-bd);color:var(--gold);padding:12px 20px;border-radius:4px;font-weight:600;font-size:14px;background:var(--gold-dim);transition:all .2s;white-space:nowrap;text-decoration:none}.tel-link:hover{background:rgba(201,168,76,.2);border-color:var(--gold)}

/* STICKY */
.sticky{position:fixed;bottom:0;left:0;right:0;z-index:600;background:var(--navy);border-top:2px solid var(--gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;transform:translateY(100%);transition:transform .3s;box-shadow:0 -4px 20px rgba(0,0,0,.28)}.sticky.on{transform:translateY(0)}.sticky-msg{color:rgba(212,220,229,.9);font-size:13px}.sticky-msg strong{color:#fff}.sticky-btn{background:var(--gold);color:var(--navy);padding:8px 20px;border-radius:4px;font-weight:600;font-size:13px;border:none;cursor:pointer;font-family:'DM Sans',sans-serif;white-space:nowrap;transition:background .2s}.sticky-x{position:absolute;right:14px;background:none;border:none;color:var(--steel);font-size:20px;cursor:pointer;line-height:1;padding:4px}

/* HERO */
.hero{background:var(--navy);padding:56px 24px 0;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:-60px;right:-60px;width:680px;height:680px;background:radial-gradient(circle,rgba(30,58,110,.35) 0%,transparent 65%);pointer-events:none}.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.35),transparent)}
.hero-in{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:48px;align-items:start}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--gold-dim);border:1px solid rgba(201,168,76,.3);color:var(--gold-lt);padding:6px 14px;border-radius:4px;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;margin-bottom:18px}.hero-badge-dot{width:7px;height:7px;border-radius:50%;background:var(--gold);flex-shrink:0;animation:blink 2s infinite}@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(26px,2.9vw,44px);color:#fff;font-weight:700;line-height:1.1;margin-bottom:16px}.hero h1 em{font-style:normal;color:var(--gold)}.hero-lead{font-size:15.5px;color:rgba(212,220,229,.88);line-height:1.75;margin-bottom:20px;max-width:580px}.hero-checks{display:flex;flex-direction:column;gap:9px;margin-bottom:26px}.hck{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:rgba(212,220,229,.9);line-height:1.55}.hck-ic{width:20px;height:20px;min-width:20px;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:10px;font-weight:700;flex-shrink:0;margin-top:1px}.hero-btns{display:flex;align-items:center;gap:14px;flex-wrap:wrap}

/* HERO CARD */
.hero-card{background:var(--navy-mid);border:1px solid var(--gold-bd);border-radius:var(--r);overflow:hidden}.hc-hd{background:linear-gradient(135deg,var(--gold),var(--gold-lt));padding:14px 20px}.hc-hd-title{font-size:14px;font-weight:700;color:var(--navy)}.hc-body{padding:16px 20px}.hc-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(201,168,76,.08)}.hc-row:last-child{border-bottom:none}.hc-lbl{font-size:13px;color:#D4DCE5;padding-right:8px;line-height:1.4}.hc-lbl small{display:block;font-size:11px;color:var(--steel);margin-top:1px}.hc-val{font-size:13px;font-weight:600;color:var(--gold);text-align:right;flex-shrink:0;white-space:nowrap}.hc-val.grn{color:#4ade80}.hc-val.red{color:#fca5a5}.hc-cta{display:block;text-align:center;padding:13px 18px;background:var(--gold);color:var(--navy);font-weight:700;font-size:14px;transition:background .2s;text-decoration:none}.hc-note{text-align:center;font-size:11px;color:var(--steel);padding:8px 20px 12px}
.hero-trust{max-width:1160px;margin:36px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.08)}.hti{padding:13px 16px;display:flex;align-items:center;gap:9px;font-size:12.5px;color:#9BADB8;border-right:1px solid rgba(201,168,76,.07)}.hti:last-child{border-right:none}

/* URGENCY */
.ubar{background:var(--navy);border-top:3px solid var(--gold);border-bottom:1px solid rgba(201,168,76,.15)}.ubar-in{max-width:1160px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}.ubar-ic{width:30px;height:30px;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.4);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0}.ubar-txt{flex:1;font-size:13.5px;color:#D4DCE5;line-height:1.6}.ubar-txt strong{color:#fff}.ubar-cta{background:var(--gold);color:var(--navy);padding:10px 22px;border-radius:4px;font-size:13px;font-weight:700;transition:all .2s;text-decoration:none;white-space:nowrap}

/* TOC */
.toc-strip{background:#fff;border-bottom:1px solid rgba(15,35,64,.08);overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}.toc-strip::-webkit-scrollbar{display:none}.toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}.toc-link{display:inline-block;padding:12px 14px;font-size:12px;font-weight:600;color:var(--steel);border-bottom:2px solid transparent;transition:all .2s;text-decoration:none}.toc-link:hover{color:var(--gold);border-color:var(--gold)}

/* INTRO */
.article-intro{background:#fff;border-bottom:1px solid rgba(15,35,64,.07)}.ai-in{max-width:860px;margin:0 auto;padding:40px 24px}.ai-in p{font-size:16px;color:var(--text);line-height:1.85;margin-bottom:16px}.ai-in strong{color:var(--navy)}.highlight-box{background:var(--gold-dim);border-left:3px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:14px 20px;font-size:14px;color:var(--navy);line-height:1.7;margin:20px 0}.disclaimer{background:rgba(201,168,76,.07);border:1px solid rgba(201,168,76,.2);border-radius:var(--r);padding:14px 18px;margin-top:20px;font-size:13px;color:var(--text);line-height:1.65}.disclaimer strong{color:var(--navy)}.disclaimer a{color:var(--gold);font-weight:600}
.expert-h2{font-family:'Playfair Display',serif;font-size:clamp(20px,2.3vw,29px);font-weight:700;color:var(--navy);margin-bottom:10px;line-height:1.18}.expert-h2 em{font-style:normal;color:var(--gold)}.expert-h2.wh{color:#fff}.expert-lead{font-size:15px;color:var(--text);line-height:1.75;margin-bottom:22px;max-width:800px}.expert-lead.wh{color:rgba(212,220,229,.82)}
.callout{border-radius:var(--r);padding:18px 22px;margin:22px 0;display:flex;gap:14px;align-items:flex-start;word-break:break-word}.callout.warn{background:var(--red-dim);border-left:4px solid #E24B4A;border-radius:0 var(--r) var(--r) 0}.callout.info{background:var(--gold-dim);border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0}.callout.tip{background:var(--grn-dim);border-left:4px solid #16a34a;border-radius:0 var(--r) var(--r) 0}.callout-ic{font-size:20px;flex-shrink:0;margin-top:2px}.callout-body strong{display:block;font-size:13.5px;color:var(--navy);margin-bottom:4px}.callout-body p{font-size:13px;color:var(--text);line-height:1.65;margin:0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px;overflow:hidden}.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;overflow:hidden}.chall-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;overflow:hidden}.chall{background:#fff;border-radius:var(--r);padding:22px;border:1px solid rgba(15,35,64,.08);box-shadow:0 2px 8px rgba(15,35,64,.05);transition:box-shadow .2s,border-color .2s}.chall:hover{box-shadow:0 6px 20px rgba(15,35,64,.1);border-color:rgba(201,168,76,.25)}.chall-ic{font-size:22px;margin-bottom:10px;display:block}.chall h3{font-size:14.5px;font-weight:600;color:var(--navy);margin-bottom:6px}.chall p{font-size:13px;color:var(--text);line-height:1.65}.badge-ok,.badge-warn,.badge-amb{display:inline-block;margin-top:10px;font-size:11px;font-weight:600;padding:2px 10px;border-radius:12px}.badge-ok{color:var(--grn-txt);background:var(--grn-dim);border:1px solid var(--grn-bd)}.badge-warn{color:var(--red-txt);background:var(--red-dim);border:1px solid var(--red-bd)}.badge-amb{color:var(--amb-txt);background:var(--amb-dim);border:1px solid var(--amb-bd)}

.step-cards{display:flex;flex-direction:column;gap:0;border-radius:var(--r);overflow:hidden;background:var(--gold-bd)}.step-card{background:#fff;padding:22px 26px;display:grid;grid-template-columns:52px 1fr;gap:18px;align-items:start;border-bottom:1px solid rgba(201,168,76,.1)}.step-card:last-child{border-bottom:none}.step-num{width:52px;height:52px;flex-shrink:0;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--gold)}.step-content h3{font-size:15px;font-weight:600;color:var(--navy);margin-bottom:6px;line-height:1.3}.step-content p{font-size:13.5px;color:var(--text);line-height:1.68}.step-content .step-meta{display:flex;gap:10px;margin-top:10px;flex-wrap:wrap}.step-meta-item{font-size:11px;font-weight:600;padding:3px 10px;border-radius:12px}.smi-time{background:var(--gold-dim);color:#7A5B10;border:1px solid var(--gold-bd)}.smi-cost{background:var(--grn-dim);color:#2D7A3A;border:1px solid var(--grn-bd)}.smi-warn{background:var(--red-dim);color:#8A2020;border:1px solid var(--red-bd)}
.tbl-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--gold-bd);-webkit-overflow-scrolling:touch}.comp-tbl{width:100%;border-collapse:collapse;font-size:13.5px;min-width:520px}.comp-tbl th{padding:10px 14px;background:var(--navy);color:var(--gold);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;text-align:left}.comp-tbl td{padding:10px 14px;border-bottom:1px solid rgba(15,35,64,.07);color:var(--text);vertical-align:top;line-height:1.55}.comp-tbl tr:last-child td{border-bottom:none}.comp-tbl tr:nth-child(even) td{background:rgba(245,241,234,.5)}.comp-tbl .hl td{background:rgba(201,168,76,.07);font-weight:600;color:var(--navy)}.tbl-note{font-size:11.5px;color:var(--steel);font-style:italic;margin-top:10px;line-height:1.5}.scroll-hint{font-size:11px;color:var(--steel);margin-top:6px;font-style:italic;text-align:center;display:none}
.faq-list{display:flex;flex-direction:column;gap:2px;border-radius:var(--r);overflow:hidden;background:var(--gold-bd)}.faq-item{background:var(--navy-mid)}.faq-btn{width:100%;text-align:left;background:none;border:none;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;transition:background .2s;font-family:'DM Sans',sans-serif}.faq-btn:hover{background:rgba(255,255,255,.03)}.faq-q{font-size:15px;font-weight:600;color:#fff;line-height:1.4;flex:1}.faq-ic{width:26px;height:26px;flex-shrink:0;background:var(--gold-dim);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:19px;font-weight:300;transition:transform .3s,background .2s}.faq-item.open .faq-ic{transform:rotate(45deg);background:rgba(201,168,76,.22)}.faq-ans{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s ease;padding:0 24px}.faq-item.open .faq-ans{max-height:700px;padding-bottom:20px}.faq-ans p{font-size:14px;color:rgba(212,220,229,.85);line-height:1.72;border-top:1px solid var(--gold-bd);padding-top:14px}
.fcta-box{max-width:1160px;margin:0 auto;background:var(--navy);border-radius:12px;padding:52px;position:relative;overflow:hidden;display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center}.fcta-box::before{content:'';position:absolute;top:0;right:0;width:380px;height:100%;background:linear-gradient(135deg,transparent 30%,rgba(201,168,76,.05) 100%)}.fcta-box::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold) 0%,transparent 70%)}.fcta-box h2{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,30px);color:#fff;line-height:1.2;margin-bottom:12px}.fcta-box h2 em{font-style:normal;color:var(--gold)}.fcta-box>div>p{font-size:15px;color:rgba(212,220,229,.82);line-height:1.72}.fa{display:flex;flex-direction:column;gap:10px;flex-shrink:0;min-width:200px;position:relative;z-index:1}.fa-note{font-size:12px;color:var(--steel);text-align:center}
.related-bar{background:var(--cream);border-top:1px solid rgba(15,35,64,.08);padding:24px}.related-in{max-width:1160px;margin:0 auto;display:flex;align-items:center;gap:12px;flex-wrap:wrap}.related-lbl{font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--steel);flex-shrink:0}.rel-pill{background:#fff;border:1px solid rgba(15,35,64,.1);color:var(--navy);padding:6px 14px;border-radius:20px;font-size:13px;text-decoration:none;transition:all .2s}.rel-pill:hover{border-color:var(--gold);color:var(--gold)}
@media(max-width:1024px){.hero-in{grid-template-columns:1fr;gap:28px}.hero-trust{grid-template-columns:repeat(2,1fr)}.fcta-box{grid-template-columns:1fr;gap:24px;padding:36px 24px}.fa{flex-direction:row;flex-wrap:wrap;justify-content:flex-start}.sec{padding:56px 24px}}
@media(max-width:768px){.hero-trust{grid-template-columns:1fr 1fr}.ubar-in{flex-direction:column;align-items:flex-start;gap:12px}.fa{flex-direction:column}}
@media(max-width:640px){.sec{padding:44px 16px}.hero{padding:40px 16px 0}.hero h1{font-size:clamp(24px,7vw,34px)}.hero-trust{grid-template-columns:1fr 1fr}.hti{font-size:11.5px;padding:10px 12px}.toc-inner{padding:0 12px}.toc-link{padding:10px 9px;font-size:11px}.ai-in{padding:22px 14px}.ai-in p{font-size:14.5px;line-height:1.7}.fcta-box{padding:24px 16px;border-radius:8px}.hero-btns{flex-direction:column;align-items:stretch}.hero-btns .btn-gold{justify-content:center}.sticky-msg{display:none}.faq-btn{padding:16px 18px}.faq-q{font-size:14px}.faq-ans{padding:0 18px}.faq-item.open .faq-ans{padding-bottom:16px}.step-card{grid-template-columns:44px 1fr;gap:12px;padding:18px 16px}.step-num{width:44px;height:44px;font-size:14px}.scroll-hint{display:block}.comp-tbl{font-size:11.5px;min-width:380px}.comp-tbl th,.comp-tbl td{padding:7px 9px;line-height:1.45}.step-meta{flex-wrap:wrap;gap:5px;margin-top:8px}.step-meta-item{font-size:10px;padding:2px 7px}}
@media(max-width:420px){.hero-trust{grid-template-columns:1fr}.hti{border-right:none;border-bottom:1px solid rgba(201,168,76,.07)}.sec{padding:36px 14px}.comp-tbl{font-size:11px;min-width:300px}.comp-tbl th,.comp-tbl td{padding:5px 7px}}