:root{
    --bg:#f6f6f4;
    --card:#ffffff;
    --line:#e7e4de;
    --text:#1a1a1a;
    --sub:#6b6b6b;
    --gold:#e6bf3f;
    --gold-dark:#c9a52e;
    --ink:#111111;
    --soft-gold:#faf6e8;
    --red:#b3402a;
    --green:#1f7a4d;
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  body{
    font-family:'Inter','Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;
    background:var(--bg);
    color:var(--text);
    line-height:1.75;
    font-size:16px;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3,h4{font-family:'Poppins','Inter',sans-serif;line-height:1.25;}

  /* progress bar */
  #progress{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-dark));width:0;z-index:100;transition:width .1s linear;}

  /* hero */
  .hero{
    background:linear-gradient(160deg,#111111 0%,#1c1c1c 55%,#2a2a2a 100%);
    color:#fff;padding:56px 24px 48px;position:relative;overflow:hidden;
  }
  .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(230,191,63,.22) 0%,transparent 70%);pointer-events:none;}
  .hero-inner{max-width:780px;margin:0 auto;position:relative;z-index:1;}
  .tag{
    display:inline-block;background:rgba(230,191,63,.14);color:var(--gold);
    border:1px solid rgba(230,191,63,.45);padding:4px 14px;border-radius:999px;
    font-size:12px;font-weight:600;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:20px;
  }
  .hero h1{font-size:34px;font-weight:800;letter-spacing:-.5px;margin-bottom:16px;}
  @media(min-width:640px){.hero h1{font-size:42px;}}
  .hero .meta{display:flex;flex-wrap:wrap;gap:10px 22px;font-size:13.5px;color:#b9b9b9;margin-bottom:20px;}
  .hero .meta b{color:#fff;font-weight:600;}
  .hero .meta-desc{font-size:15px;color:#d4d4d4;max-width:640px;border-left:3px solid var(--gold);padding-left:14px;}

  /* article */
  .article{
    max-width:780px;margin:-32px auto 40px;background:var(--card);
    border:1px solid var(--line);border-radius:16px;
    box-shadow:0 10px 34px rgba(20,20,20,.07);
    padding:36px 28px 48px;position:relative;
  }
  @media(min-width:720px){.article{padding:48px 56px 56px;}}
  .article h2{
    font-size:25px;font-weight:700;margin:48px 0 16px;padding-top:8px;
    scroll-margin-top:80px;
  }
  .article h2:first-child{margin-top:8px;}
  .article h2 .step-no{
    display:inline-flex;align-items:center;justify-content:center;
    background:var(--gold);color:#111;border-radius:8px;width:30px;height:30px;
    font-size:15px;font-weight:800;margin-right:10px;vertical-align:2px;
  }
  .article h3{font-size:18px;font-weight:700;margin:28px 0 10px;}
  .article p{margin-bottom:16px;color:#2a2a2a;}
  .article ul,.article ol{margin:0 0 18px 22px;}
  .article li{margin-bottom:8px;}
  .article a{color:#9c7c1a;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(156,124,26,.35);transition:.2s;}
  .article a:hover{color:var(--gold-dark);border-bottom-color:var(--gold-dark);}

  /* TOC */
  .toc{
    background:var(--soft-gold);border:1px solid #ecdfb0;border-radius:12px;
    padding:20px 24px;margin:26px 0 8px;
  }
  .toc b{display:block;font-family:'Poppins',sans-serif;font-size:14px;letter-spacing:1.2px;text-transform:uppercase;color:#8a6d12;margin-bottom:10px;}
  .toc ol{margin:0;list-style:none;display:grid;grid-template-columns:1fr;gap:4px;}
  @media(min-width:640px){.toc ol{grid-template-columns:1fr 1fr;}}
  .toc a{display:block;padding:5px 8px;border-radius:6px;font-size:14.5px;color:#5c4a10;border-bottom:none;font-weight:500;}
  .toc a:hover{background:rgba(230,191,63,.18);color:#3d3208;}

  /* tables */
  .table-wrap{overflow-x:auto;margin:18px 0 24px;border:1px solid var(--line);border-radius:12px;}
  table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px;}
  thead th{
    background:#111;color:#fff;text-align:left;padding:12px 16px;
    font-family:'Poppins',sans-serif;font-size:13px;font-weight:600;letter-spacing:.4px;
  }
  tbody td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top;color:#2a2a2a;}
  tbody tr:nth-child(even){background:#faf9f7;}
  tbody tr:hover{background:#f5f0e0;}

  /* callouts */
  .callout{border-radius:10px;padding:16px 18px 16px 20px;margin:22px 0;font-size:15px;border:1px solid;}
  .callout .label{display:block;font-family:'Poppins',sans-serif;font-size:12px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;margin-bottom:5px;}
  .callout.pro{background:#f1f8f1;border-color:#cfe6cf;color:#1e3d1e;}
  .callout.pro .label{color:var(--green);}
  .callout.warn{background:#fdf3ef;border-color:#f0d4c9;color:#4a2418;}
  .callout.warn .label{color:var(--red);}
  .callout.tip{background:var(--soft-gold);border-color:#ecdfb0;color:#4a3c0e;}
  .callout.tip .label{color:#8a6d12;}

  /* budget cards */
  .cards{display:grid;grid-template-columns:1fr;gap:14px;margin:20px 0 26px;}
  @media(min-width:640px){.cards{grid-template-columns:1fr 1fr;}}
  .bcard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;transition:.2s;display:flex;flex-direction:column;gap:8px;}
  .bcard:hover{box-shadow:0 6px 18px rgba(20,20,20,.09);transform:translateY(-2px);}
  .bcard .tier{font-family:'Poppins',sans-serif;font-weight:700;font-size:14px;color:#8a6d12;}
  .bcard .what{font-size:14px;color:#3a3a3a;}
  .bcard a{font-size:13.5px;border-bottom:none;color:#9c7c1a;font-weight:600;}
  .bcard a:hover{color:var(--gold-dark);}

  /* red flags */
  .redflags{list-style:none;margin-left:0;}
  .redflags li{padding:10px 14px 10px 16px;background:#fdf6f6;border-left:3px solid var(--red);border-radius:6px;font-size:14.5px;color:#4a2418;margin-bottom:8px;}

  /* FAQ */
  details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden;background:#fff;}
  details summary{
    cursor:pointer;padding:15px 44px 15px 18px;font-weight:600;font-size:15.5px;position:relative;
    list-style:none;font-family:'Poppins',sans-serif;color:#1a1a1a;
  }
  details summary::-webkit-details-marker{display:none;}
  details summary::after{
    content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);
    font-size:20px;color:var(--gold-dark);font-weight:400;transition:.2s;
  }
  details[open] summary::after{content:"–";}
  details[open] summary{border-bottom:1px solid var(--line);background:#faf8f2;}
  details .faq-body{padding:14px 18px;font-size:15px;color:#2a2a2a;}

  /* CTA */
  .cta{
    margin-top:44px;background:linear-gradient(160deg,#111,#1c1c1c);border-radius:14px;
    padding:32px 28px;text-align:center;color:#fff;
  }
  .cta h3{font-size:22px;font-weight:700;margin-bottom:8px;color:#fff;}
  .cta p{color:#c9c9c9;font-size:14.5px;margin-bottom:20px;}
  .btn{
    display:inline-block;background:linear-gradient(135deg,var(--gold),var(--gold-dark));
    color:#111 !important;font-family:'Poppins',sans-serif;font-weight:700;font-size:15px;
    padding:13px 34px;border-radius:999px;border:none;cursor:pointer;text-decoration:none !important;
    transition:.2s;box-shadow:0 6px 18px rgba(230,191,63,.35);
  }
  .btn:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(230,191,63,.45);color:#111 !important;}
  .btn.secondary{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff !important;box-shadow:none;margin-left:8px;}
  .btn.secondary:hover{border-color:var(--gold);color:var(--gold) !important;}

  /* trust bar */
  .trust{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;margin-top:22px;font-size:12.5px;color:#9a9a9a;}
  .trust span::before{content:"✦";color:var(--gold);margin-right:6px;}

  /* footer */
  .footer{max-width:780px;margin:0 auto 60px;text-align:center;font-size:13px;color:#8a8a8a;padding:0 20px;}
  .footer .brand{font-family:'Poppins',sans-serif;font-weight:700;letter-spacing:3px;color:#111;font-size:15px;}
  .footer .slogan{color:var(--gold-dark);font-weight:600;margin-top:4px;}

  /* references */
  .refs{font-size:13px;color:#777;border-top:1px dashed var(--line);margin-top:36px;padding-top:16px;}
  .refs li{margin-bottom:4px;word-break:break-all;}

  /* preview badge */
  .preview-badge{
    position:fixed;bottom:18px;right:18px;z-index:90;
    background:#111;color:var(--gold);font-size:11.5px;font-weight:600;letter-spacing:.6px;
    padding:8px 14px;border-radius:999px;box-shadow:0 4px 14px rgba(0,0,0,.25);
  }