:root {
      --dark-primary: #1A2233;
      --dark-secondary: #263149;
      --accent-gold: #CBB98E;
      --light-ivory: #F6F2E9;
      --muted-gray: #B6BDC7;
      --error-red: #E74C3C;
      --success-green: #27AE60;
    }

    * {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: 'DM Sans', sans-serif;
      color: #2C3E50;
      line-height: 1.6;
      background-color: #FAFAFA;
    }

    h1, h2, h3, h4, h5, h6 {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 600;
      color: var(--dark-primary);
    }

    h1 {
      font-size: 2.5rem;
      line-height: 1.2;
      margin-bottom: 1.5rem;
    }

    h2 {
      font-size: 2rem;
      margin-top: 2.5rem;
      margin-bottom: 1.5rem;
      border-bottom: 2px solid var(--accent-gold);
      padding-bottom: 0.75rem;
    }

    h3 {
      font-size: 1.5rem;
      margin-top: 1.75rem;
      margin-bottom: 1rem;
    }

    p {
      margin-bottom: 1.2rem;
      font-size: 1.025rem;
      line-height: 1.7;
    }

    a {
      color: var(--accent-gold);
      text-decoration: none;
      transition: color 0.3s ease;
    }

    a:hover {
      color: #A39770;
      text-decoration: underline;
    }

    /* Navigation */
    nav {
      background-color: var(--dark-primary);
      padding: 1.2rem 2rem;
      position: sticky;
      top: 0;
      z-index: 100;
      box-shadow: 0 2px 8px rgba(0,0,0,0.1);
    }

    .nav-container {
      max-width: 1200px;
      margin: 0 auto;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .nav-brand {
      display: flex;
      flex-direction: column;
      gap: 0.25rem;
    }

    .nav-brand span {
      color: var(--accent-gold);
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.8rem;
      font-weight: 700;
    }

    .nav-subtitle {
      color: var(--muted-gray);
      font-size: 0.85rem;
      letter-spacing: 0.5px;
      text-transform: uppercase;
    }

    .nav-menu {
      display: flex;
      gap: 2rem;
      list-style: none;
    }

    .nav-menu a {
      color: var(--light-ivory);
      font-size: 0.95rem;
      transition: color 0.3s ease;
    }

    .nav-menu a:hover {
      color: var(--accent-gold);
    }

    .nav-toggle {
      display: none;
      background: none;
      border: none;
      color: var(--accent-gold);
      font-size: 1.5rem;
      cursor: pointer;
    }

    .lang-toggle {
      display: flex;
      gap: 0.5rem;
      align-items: center;
      color: var(--muted-gray);
      font-size: 0.9rem;
    }

    .lang-toggle a {
      color: var(--muted-gray);
    }

    .lang-toggle a.active {
      color: var(--accent-gold);
      font-weight: 600;
    }

    /* Hero Section */
    .hero {
      background: linear-gradient(rgba(26, 34, 51, 0.8), rgba(38, 49, 73, 0.8)), url('/assets/img/93507cc36ceb4f698334c53a1c91e168.jpg');
      background-size: cover;
      background-position: center;
      color: white;
      padding: 6rem 2rem;
      text-align: center;
    }

    .hero h1 {
      color: white;
      margin-bottom: 1rem;
    }

    .hero p {
      color: var(--light-ivory);
      font-size: 1.2rem;
      max-width: 700px;
      margin: 0 auto 1.5rem;
    }

    .hero-date {
      color: var(--accent-gold);
      font-size: 0.95rem;
      margin-top: 1rem;
    }

    /* Breadcrumb */
    .breadcrumb {
      background-color: var(--light-ivory);
      padding: 1rem 2rem;
      font-size: 0.9rem;
      color: #555;
    }

    .breadcrumb-container {
      max-width: 1200px;
      margin: 0 auto;
    }

    .breadcrumb a {
      color: var(--dark-primary);
    }

    /* GEO Answer Block */
    .geo-answer {
      background: linear-gradient(135deg, #f0ebe5 0%, #faf7f3 100%);
      border-left: 4px solid var(--accent-gold);
      padding: 2rem;
      margin: 2rem 0;
      border-radius: 4px;
    }

    .geo-answer h3 {
      color: var(--dark-primary);
      margin-top: 0;
    }

    .geo-answer p {
      margin-bottom: 0.8rem;
    }

    .geo-answer ul {
      margin-left: 1.5rem;
      margin-bottom: 1rem;
    }

    .geo-answer li {
      margin-bottom: 0.5rem;
    }

    /* Main Content */
    main {
      max-width: 900px;
      margin: 0 auto;
      padding: 3rem 2rem;
      background-color: white;
    }

    .article-content {
      background-color: white;
    }

    .article-content p:first-of-type {
      font-size: 1.1rem;
      color: #444;
      font-weight: 500;
      margin-bottom: 2rem;
    }

    .highlight-box {
      background-color: var(--light-ivory);
      border: 1px solid var(--accent-gold);
      padding: 1.5rem;
      margin: 2rem 0;
      border-radius: 4px;
    }

    .legal-reference {
      background-color: #F8F9FA;
      border-left: 3px solid var(--dark-secondary);
      padding: 1rem 1.5rem;
      margin: 1.5rem 0;
      font-size: 0.95rem;
      color: #333;
    }

    .legal-reference strong {
      color: var(--dark-primary);
    }

    ul, ol {
      margin-left: 2rem;
      margin-bottom: 1.5rem;
    }

    li {
      margin-bottom: 0.8rem;
      line-height: 1.7;
    }

    .callout {
      background-color: #FFF8E7;
      border-left: 4px solid #F39C12;
      padding: 1.5rem;
      margin: 2rem 0;
      border-radius: 4px;
    }

    .callout strong {
      color: var(--dark-primary);
    }

    /* Mid-Content CTA */
    .mid-cta {
      background: linear-gradient(135deg, rgba(26, 34, 51, 0.95), rgba(38, 49, 73, 0.95)), url('/assets/img/11062b_42019dfb241c4d819a98672c3d3e01bb-mv2.jpg');
      background-size: cover;
      background-position: center;
      color: white;
      padding: 3rem 2rem;
      text-align: center;
      margin: 3rem 0;
      border-radius: 4px;
    }

    .mid-cta h3 {
      color: white;
      margin-top: 0;
      font-size: 1.8rem;
    }

    .mid-cta p {
      color: var(--light-ivory);
      margin-bottom: 1.5rem;
      max-width: 600px;
      margin-left: auto;
      margin-right: auto;
    }

    .cta-button {
      display: inline-block;
      background-color: var(--accent-gold);
      color: var(--dark-primary);
      padding: 0.9rem 2rem;
      border-radius: 4px;
      font-weight: 600;
      transition: all 0.3s ease;
      border: none;
      cursor: pointer;
      font-size: 1rem;
    }

    .cta-button:hover {
      background-color: #A39770;
      transform: translateY(-2px);
      box-shadow: 0 4px 12px rgba(203, 185, 142, 0.3);
    }

    /* Author Block */
    .author-block {
      background-color: var(--light-ivory);
      padding: 2rem;
      margin: 3rem 0;
      border-radius: 4px;
      display: flex;
      gap: 2rem;
      align-items: flex-start;
    }

    .author-photo {
      width: 120px;
      height: 120px;
      border-radius: 50%;
      object-fit: cover;
      flex-shrink: 0;
    }

    .author-info h4 {
      margin-top: 0;
      margin-bottom: 0.5rem;
    }

    .author-title {
      color: var(--accent-gold);
      font-weight: 600;
      font-size: 0.9rem;
      margin-bottom: 0.5rem;
    }

    .author-bio {
      color: #666;
      font-size: 0.95rem;
      line-height: 1.6;
    }

    /* Related Articles */
    .related-articles {
      margin-top: 4rem;
      padding-top: 3rem;
      border-top: 2px solid var(--accent-gold);
    }

    .related-articles h2 {
      margin-top: 0;
    }

    .articles-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
      gap: 2rem;
      margin-top: 2rem;
    }

    .article-card {
      background-color: white;
      border: 1px solid #DDD;
      border-radius: 4px;
      overflow: hidden;
      transition: all 0.3s ease;
    }

    .article-card:hover {
      box-shadow: 0 8px 24px rgba(0,0,0,0.1);
      transform: translateY(-4px);
    }

    .article-card-title {
      padding: 1.5rem;
      font-size: 1.1rem;
      color: var(--dark-primary);
      font-weight: 600;
    }

    .article-card-excerpt {
      padding: 0 1.5rem;
      color: #666;
      font-size: 0.95rem;
      line-height: 1.6;
      display: -webkit-box;
      -webkit-line-clamp: 3;
      -webkit-box-orient: vertical;
      overflow: hidden;
    }

    .article-card-footer {
      padding: 1.5rem;
      border-top: 1px solid #EEE;
    }

    .article-card-link {
      color: var(--accent-gold);
      font-weight: 600;
      font-size: 0.95rem;
    }

    /* FAQ Section */
    .faq-section {
      background-color: var(--light-ivory);
      padding: 3rem 2rem;
      margin: 3rem 0;
      border-radius: 4px;
    }

    .faq-section h2 {
      border-bottom-color: var(--dark-primary);
      color: var(--dark-primary);
      margin-top: 0;
    }

    .faq-item {
      background-color: white;
      margin-bottom: 1rem;
      border-radius: 4px;
      overflow: hidden;
      border: 1px solid #DDD;
    }

    .faq-question {
      background-color: var(--dark-secondary);
      color: white;
      padding: 1.2rem 1.5rem;
      cursor: pointer;
      display: flex;
      justify-content: space-between;
      align-items: center;
      font-weight: 600;
      transition: background-color 0.3s ease;
    }

    .faq-question:hover {
      background-color: var(--dark-primary);
    }

    .faq-toggle {
      font-size: 1.5rem;
      color: var(--accent-gold);
      transition: transform 0.3s ease;
    }

    .faq-item.active .faq-toggle {
      transform: rotate(180deg);
    }

    .faq-answer {
      display: none;
      padding: 1.5rem;
      color: #333;
      line-height: 1.7;
      border-top: 1px solid #EEE;
    }

    .faq-item.active .faq-answer {
      display: block;
    }

    /* Final CTA Section */
    .final-cta {
      background: linear-gradient(135deg, rgba(26, 34, 51, 0.95), rgba(38, 49, 73, 0.95)), url('/assets/img/11062b_42019dfb241c4d819a98672c3d3e01bb-mv2.jpg');
      background-size: cover;
      background-position: center;
      color: white;
      padding: 4rem 2rem;
      text-align: center;
      margin-top: 3rem;
      border-radius: 4px;
    }

    .final-cta h2 {
      color: white;
      border-bottom-color: var(--accent-gold);
    }

    .final-cta p {
      color: var(--light-ivory);
      font-size: 1.1rem;
      margin-bottom: 2rem;
      max-width: 700px;
      margin-left: auto;
      margin-right: auto;
    }

    /* Footer */
    footer {
      background-color: var(--dark-primary);
      color: var(--light-ivory);
      padding: 3rem 2rem;
      margin-top: 4rem;
    }

    .footer-container {
      max-width: 1200px;
      margin: 0 auto;
    }

    .footer-content {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
      gap: 2rem;
      margin-bottom: 2rem;
    }

    .footer-section h4 {
      color: var(--accent-gold);
      margin-bottom: 1rem;
    }

    .footer-section a {
      color: var(--light-ivory);
      display: block;
      margin-bottom: 0.5rem;
    }

    .footer-section a:hover {
      color: var(--accent-gold);
    }

    .footer-bottom {
      border-top: 1px solid rgba(203, 185, 142, 0.3);
      padding-top: 2rem;
      text-align: center;
      color: var(--muted-gray);
      font-size: 0.9rem;
    }

    /* Cookie Consent Banner */
    .cookie-banner {
      position: fixed;
      bottom: 0;
      left: 0;
      right: 0;
      background-color: var(--dark-primary);
      color: var(--light-ivory);
      padding: 1.5rem 2rem;
      z-index: 1000;
      display: none;
      box-shadow: 0 -2px 8px rgba(0,0,0,0.2);
    }

    .cookie-banner.show {
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 2rem;
    }

    .cookie-text {
      flex: 1;
      font-size: 0.95rem;
      line-height: 1.5;
    }

    .cookie-buttons {
      display: flex;
      gap: 1rem;
      flex-shrink: 0;
    }

    .cookie-btn {
      padding: 0.7rem 1.5rem;
      border: none;
      border-radius: 4px;
      cursor: pointer;
      font-weight: 600;
      transition: all 0.3s ease;
    }

    .cookie-btn.accept {
      background-color: var(--accent-gold);
      color: var(--dark-primary);
    }

    .cookie-btn.accept:hover {
      background-color: #A39770;
    }

    .cookie-btn.decline {
      background-color: transparent;
      color: var(--light-ivory);
      border: 1px solid var(--muted-gray);
    }

    .cookie-btn.decline:hover {
      border-color: var(--accent-gold);
      color: var(--accent-gold);
    }

    /* Email Floating Button */
    .email-btn {
      position: fixed;
      bottom: 2rem;
      right: 2rem;
      width: 60px;
      height: 60px;
      background-color: #CBB98E;
      color: white;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1.5rem;
      box-shadow: 0 4px 12px rgba(0,0,0,0.2);
      cursor: pointer;
      transition: all 0.3s ease;
      text-decoration: none;
      z-index: 999;
    }

    .email-btn:hover {
      transform: scale(1.1);
      box-shadow: 0 6px 20px rgba(203, 185, 142, 0.3);
    }

    /* Responsive Design */
    @media (max-width: 768px) {
      h1 {
        font-size: 1.8rem;
      }

      h2 {
        font-size: 1.5rem;
      }

      .nav-menu {
        display: none;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        flex-direction: column;
        background-color: var(--dark-secondary);
        padding: 1rem;
        gap: 0.5rem;
      }

      .nav-menu.active {
        display: flex;
      }

      .nav-toggle {
        display: block;
      }

      .hero {
        padding: 3rem 1rem;
      }

      .author-block {
        flex-direction: column;
        align-items: center;
        text-align: center;
      }

      .author-photo {
        width: 100px;
        height: 100px;
      }

      .articles-grid {
        grid-template-columns: 1fr;
      }

      .cookie-banner.show {
        flex-direction: column;
      }

      .cookie-buttons {
        width: 100%;
        justify-content: flex-end;
      }

      .final-cta {
        padding: 2rem 1rem;
      }

      main {
        padding: 2rem 1rem;
      }
    }

    @media (max-width: 480px) {
      h1 {
        font-size: 1.5rem;
      }

      h2 {
        font-size: 1.25rem;
      }

      p {
        font-size: 0.95rem;
      }

      .nav-container {
        flex-wrap: wrap;
      }

      .nav-brand span {
        font-size: 1.4rem;
      }

      .nav-subtitle {
        font-size: 0.75rem;
      }

      .email-btn {
        width: 50px;
        height: 50px;
        font-size: 1.3rem;
        bottom: 1rem;
        right: 1rem;
      }
    }
  
/* FLOATING CTA */
.float-cta{position:fixed;bottom:0;left:0;right:0;z-index:500;display:flex;background:rgba(26,34,51,.98);backdrop-filter:blur(10px);border-top:1px solid rgba(203,185,142,.25);transform:translateY(100%);transition:transform .4s cubic-bezier(.4,0,.2,1);padding:0}
.float-cta.visible{transform:translateY(0)}
.float-phone{flex:0 0 auto;display:flex;align-items:center;gap:8px;padding:14px 18px;color:var(--accent-gold);font-size:.82rem;font-weight:400;border-right:1px solid rgba(255,255,255,.08);transition:background .2s;text-decoration:none}
.float-phone:hover{background:rgba(255,255,255,.05)}
.float-phone svg{flex-shrink:0}
.float-book{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:14px 20px;background:var(--accent-gold);color:var(--dark-primary);font-size:.82rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;transition:background .2s;text-decoration:none}
.float-book:hover{background:var(--accent-hover)}
@media(min-width:961px){.float-cta{left:auto;right:24px;bottom:24px;width:auto;flex-direction:column;border-top:none;border-radius:6px;box-shadow:0 8px 32px rgba(0,0,0,.25);overflow:hidden;max-width:260px}.float-phone{border-right:none;border-bottom:1px solid rgba(255,255,255,.08);padding:12px 20px;justify-content:center}.float-book{padding:14px 24px}}
/* CTA PULSE */
@keyframes ctaPulse{0%{box-shadow:0 0 0 0 rgba(203,185,142,.4)}70%{box-shadow:0 0 0 12px rgba(203,185,142,0)}100%{box-shadow:0 0 0 0 rgba(203,185,142,0)}}
.float-book,.btn-primary{animation:ctaPulse 2.5s infinite}
.float-book:hover,.btn-primary:hover{animation:none}
/* BACK TO TOP */
.btt{position:fixed;bottom:80px;right:24px;z-index:400;width:40px;height:40px;background:var(--dark-primary);color:var(--accent-gold);border:1px solid rgba(203,185,142,.25);border-radius:4px;display:flex;align-items:center;justify-content:center;font-size:1rem;cursor:pointer;opacity:0;transform:translateY(10px);transition:all .3s;pointer-events:none;text-decoration:none}
.btt.visible{opacity:1;transform:translateY(0);pointer-events:auto}
.btt:hover{background:var(--accent-gold);color:var(--dark-primary)}
@media(max-width:960px){.btt{bottom:70px;right:16px}}

    /* === v14 additions === */
    /* Sticky mobile CTA */
    .sticky-cta-mobile { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 999; background: var(--accent-gold, #CBB98E); color: var(--dark-primary, #1A2233); padding: 14px 20px; text-align: center; font-weight: 700; font-size: 14px; text-decoration: none; box-shadow: 0 -4px 12px rgba(0,0,0,0.18); letter-spacing: 0.5px; }
    .sticky-cta-mobile:hover { background: var(--accent-hover, #D8C79C); color: var(--dark-primary, #1A2233); }
    @media (max-width: 768px) { .sticky-cta-mobile { display: block; } body { padding-bottom: 56px; } }
    /* Exit Tax nav highlight */
    .nav-menu .nav-exit-tax { font-weight: 700; color: var(--accent-gold, #CBB98E) !important; }
    /* Sub-page silo navigation */
    .silo-nav { background: var(--light-ivory, #F6F2E9); border-top: 1px solid #e6dfd0; border-bottom: 1px solid #e6dfd0; padding: 16px 0; margin: 32px 0 24px; }
    .silo-nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 40px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
    .silo-nav-label { font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--accent-gold, #CBB98E); margin-right: 8px; }
    .silo-nav a { font-size: 13px; color: var(--text-dark, #1A2233); text-decoration: none; padding: 6px 10px; border-radius: 4px; transition: background 0.2s; }
    .silo-nav a:hover, .silo-nav a.active { background: var(--accent-gold, #CBB98E); color: var(--dark-primary, #1A2233); }

  
    /* CMP v2 — granular consent */
    .cmp-banner { position: fixed; bottom: 20px; left: 20px; right: 20px; max-width: 1100px; margin: 0 auto; background: #fff; border-radius: 8px; box-shadow: 0 12px 40px rgba(0,0,0,0.18); border: 1px solid #e6dfd0; z-index: 9999; padding: 24px; }
    .cmp-banner-inner { display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center; }
    .cmp-banner-text strong { display: block; color: #1A2233; font-size: 15px; margin-bottom: 6px; }
    .cmp-banner-text p { color: #2c2c2c; font-size: 13px; line-height: 1.6; margin: 0; }
    .cmp-banner-text a { color: #8A6E3F; text-decoration: underline; }
    .cmp-banner-actions { display: flex; gap: 8px; flex-shrink: 0; }
    .cmp-btn { padding: 10px 18px; border-radius: 4px; font-size: 13px; font-weight: 600; cursor: pointer; border: none; font-family: inherit; }
    .cmp-btn-primary { background: #1A2233; color: #fff; }
    .cmp-btn-primary:hover { background: #263149; }
    .cmp-btn-secondary { background: #fff; color: #1A2233; border: 1px solid #d4c7b0; }
    .cmp-btn-secondary:hover { border-color: #1A2233; }
    .cmp-modal { position: fixed; inset: 0; z-index: 10000; display: flex; align-items: center; justify-content: center; padding: 20px; }
    .cmp-modal-backdrop { position: absolute; inset: 0; background: rgba(12,27,56,0.7); }
    .cmp-modal-content { position: relative; background: #fff; border-radius: 8px; max-width: 640px; width: 100%; max-height: 90vh; display: flex; flex-direction: column; box-shadow: 0 20px 60px rgba(0,0,0,0.3); }
    .cmp-modal-header { padding: 24px 28px; border-bottom: 1px solid #e6dfd0; display: flex; justify-content: space-between; align-items: center; }
    .cmp-modal-header h2 { font-family: 'Cormorant Garamond', serif; font-size: 26px; color: #1A2233; margin: 0; }
    .cmp-modal-close { background: transparent; border: none; font-size: 28px; color: #1A2233; cursor: pointer; padding: 0 8px; line-height: 1; }
    .cmp-modal-body { padding: 24px 28px; overflow-y: auto; }
    .cmp-modal-footer { padding: 18px 28px; border-top: 1px solid #e6dfd0; display: flex; justify-content: flex-end; gap: 10px; }
    .cmp-category { background: #F8F4EE; border-radius: 6px; padding: 18px 20px; margin-bottom: 14px; }
    .cmp-cat-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
    .cmp-cat-head strong { color: #1A2233; font-size: 15px; }
    .cmp-category p { color: #2c2c2c; font-size: 13px; line-height: 1.55; margin: 0; }
    .cmp-toggle { position: relative; display: inline-block; width: 44px; height: 24px; }
    .cmp-toggle input { opacity: 0; width: 0; height: 0; }
    .cmp-toggle span { position: absolute; cursor: pointer; inset: 0; background: #d4c7b0; border-radius: 12px; transition: 0.3s; }
    .cmp-toggle span:before { position: absolute; content: ""; height: 18px; width: 18px; left: 3px; top: 3px; background: #fff; border-radius: 50%; transition: 0.3s; }
    .cmp-toggle input:checked + span { background: #2A6B4A; }
    .cmp-toggle input:checked + span:before { transform: translateX(20px); }
    .cmp-toggle input:disabled + span { background: #d4c7b0; opacity: 0.7; cursor: not-allowed; }
    @media (max-width: 768px) {
      .cmp-banner-inner { grid-template-columns: 1fr; }
      .cmp-banner-actions { flex-wrap: wrap; }
      .cmp-banner-actions .cmp-btn { flex: 1; min-width: 100px; }
    }