/* European private-wealth navigation refresh */
    :root{--menu-ink:#2d2640;--menu-ivory:#fbfaf7;--menu-line:#e4ded2;--menu-purple:#321264;--menu-gold:#c9a45e}
    header{background:rgba(251,250,247,.95);border-bottom:1px solid var(--menu-line);box-shadow:0 3px 18px rgba(35,20,60,.06);transition:all .3s ease}
    header.scrolled{background:rgba(255,255,255,.98);box-shadow:0 10px 28px rgba(35,20,60,.13)}
    header nav{height:88px}
    header .brand img{filter:drop-shadow(0 3px 3px rgba(177,132,44,.12));transition:transform .3s ease}
    header .brand:hover img{transform:scale(1.035)}
    .navlinks{gap:8px;align-items:center;color:var(--menu-ink)}
    .navdrop{position:relative}
    .navdrop>a{display:flex;align-items:center;gap:9px;padding:15px 15px;letter-spacing:.02em;transition:.25s ease;position:relative}
    .navdrop>a:after{content:'';position:absolute;left:15px;right:15px;bottom:6px;height:2px;background:var(--menu-gold);transform:scaleX(0);transform-origin:center;transition:.25s ease}
    .navdrop>a:hover,.navdrop:hover>a{color:var(--menu-purple);background:#f1ede5}
    .navdrop>a:hover:after,.navdrop:hover>a:after{transform:scaleX(1)}
    .navmenu{display:none;position:absolute;top:61px;left:0;min-width:245px;padding:10px;background:var(--menu-ivory);border:1px solid var(--menu-line);box-shadow:0 18px 36px rgba(35,20,60,.16);border-top:3px solid var(--menu-gold);animation:menuIn .22s ease;z-index:30}
    .navdrop:hover .navmenu{display:grid}
    .navmenu a{padding:12px 14px;color:#635d6c;font-size:13px;transition:.2s ease;border-left:2px solid transparent}
    .navmenu a:hover{background:#f1ede5;color:var(--menu-purple);border-left-color:var(--menu-gold);padding-left:19px}
    @keyframes menuIn{from{opacity:0;transform:translateY(-7px)}to{opacity:1;transform:none}}
    header .btn.primary{background:var(--menu-purple);border-color:var(--menu-purple);box-shadow:0 7px 14px rgba(50,18,100,.16)}
    header .btn.primary:hover{background:#4c2190;transform:translateY(-2px)}
    /* dark European navigation */
    header{background:#000;border-bottom:1px solid rgba(215,173,82,.7);box-shadow:0 8px 24px rgba(0,0,0,.42)}
    header.scrolled{background:#000;box-shadow:0 12px 30px rgba(0,0,0,.58)}
    header .brand{filter:drop-shadow(0 0 8px rgba(255,255,255,.16))}
    header .brand img{background:#000;border-radius:4px;padding:4px 8px;box-shadow:0 0 0 1px rgba(215,173,82,.28),0 4px 12px rgba(0,0,0,.28)}
    .navlinks{color:#eeeaf4}
    .navdrop>a{color:#eeeaf4}
    .navdrop>a:hover,.navdrop:hover>a{color:#f0c96e;background:rgba(255,255,255,.08)}
    .navmenu{background:#111a2c;border-color:#354158;border-top-color:#d7ad52;box-shadow:0 18px 38px rgba(0,0,0,.35)}
    .navmenu a{color:#d9d6df;border-left-color:transparent}
    .navmenu a:hover{background:#1f2b42;color:#f0c96e;border-left-color:#d7ad52}
    header .btn.primary{background:#d7ad52;border-color:#d7ad52;color:#172238}
    header .btn.primary:hover{background:#edc978;border-color:#edc978;color:#172238}
    .mobile{color:#f0c96e}
    @media(max-width:800px){header nav{height:72px}.navlinks{position:absolute;display:none;top:72px;left:0;right:0;background:#000;padding:12px 18px;box-shadow:0 18px 30px rgba(0,0,0,.3)}.navlinks.open{display:block}.navdrop>a{padding:14px 8px}.navmenu{position:static;box-shadow:none;border-top:1px solid #46546a;margin:0 0 5px;animation:none}.navdrop:hover .navmenu{display:none}.navdrop.open .navmenu{display:grid}.mobile{display:block}}
    .navdrop{position:relative}.navdrop>a{display:block;padding:30px 0}.navdrop>a:hover{color:#51249a}.navmenu{display:none;position:absolute;top:68px;left:-18px;min-width:220px;padding:10px;background:#fff;border:1px solid #e6e3ec;box-shadow:0 16px 30px #26104b1c;z-index:10}.navdrop:hover .navmenu{display:grid}.navmenu a{padding:10px 12px;font-size:13px;color:#465564}.navmenu a:hover{background:#f3effb;color:#51249a}
    :root{--navy:#0c2034;--ink:#142433;--muted:#657484;--gold:#c8a267;--cream:#f7f5f0;--line:#e6e3dc;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:'DM Sans',sans-serif;background:var(--cream);line-height:1.6}a{text-decoration:none;color:inherit}.wrap{width:min(1160px,calc(100% - 48px));margin:auto}.serif{font-family:'Playfair Display',serif}.topbar{background:var(--navy);color:#dbe5ee;font-size:12px;letter-spacing:.06em}.topbar .wrap{display:flex;justify-content:space-between;padding:9px 0}.topbar span:last-child{color:#d4b175}header{background:rgba(247,245,240,.92);backdrop-filter:blur(14px);position:sticky;top:0;z-index:5;border-bottom:1px solid rgba(12,32,52,.08)}nav{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:.12em;font-size:13px}.mark{width:34px;height:34px;border:1px solid var(--gold);display:grid;place-items:center;color:var(--gold);font-family:Georgia;font-size:21px;border-radius:50%}.navlinks{display:flex;gap:28px;font-size:13px;color:#465564}.navlinks a:hover{color:var(--gold)}.btn{border:1px solid var(--navy);padding:12px 20px;display:inline-flex;align-items:center;gap:12px;font-size:13px;font-weight:700;letter-spacing:.03em;transition:.2s}.btn.primary{background:var(--navy);color:#fff}.btn.primary:hover{background:#183b58;transform:translateY(-2px)}.btn.light{border-color:#cfd6db;color:var(--navy);background:#fff}.hero{background:var(--navy);color:#fff;overflow:hidden;position:relative}.hero:after{content:'';position:absolute;width:570px;height:570px;border:1px solid rgba(200,162,103,.25);border-radius:50%;right:-180px;top:-190px;box-shadow:0 0 0 50px rgba(200,162,103,.04),0 0 0 100px rgba(200,162,103,.03)}.hero .wrap{display:grid;grid-template-columns:1.12fr .88fr;min-height:620px;align-items:center;position:relative;z-index:1}.eyebrow{color:var(--gold);font-size:11px;letter-spacing:.2em;text-transform:uppercase;font-weight:700}.hero h1{font-size:clamp(42px,5.2vw,72px);line-height:1.08;font-weight:500;margin:18px 0 22px;max-width:680px}.hero h1 em{color:#dcc18c;font-style:normal}.hero p{color:#c2d0dc;max-width:520px;font-size:17px}.hero-actions{display:flex;gap:14px;margin-top:32px}.hero .btn.primary{background:var(--gold);border-color:var(--gold);color:var(--navy)}.hero .btn.light{background:transparent;color:#fff;border-color:#557087}.hero-note{font-size:12px;color:#9cafbd;margin-top:24px}.hero-card{justify-self:end;width:min(380px,100%);background:#f9f7f2;color:var(--navy);padding:26px;box-shadow:25px 25px 0 rgba(200,162,103,.28);position:relative}.hero-card .mini{display:flex;justify-content:space-between;border-bottom:1px solid #dedbd2;padding:15px 0;font-size:13px}.hero-card .mini strong{font-size:16px}.hero-card h3{font-family:'Playfair Display';font-size:28px;font-weight:500;line-height:1.15;margin:12px 0 10px}.hero-card .seal{width:72px;height:72px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;text-align:center;font-size:9px;letter-spacing:.1em;color:#8f6b32;margin-bottom:18px}.section{padding:100px 0}.section.white{background:#fff}.section-head{max-width:690px;margin-bottom:48px}.section h2{font-size:clamp(34px,4vw,52px);font-weight:500;line-height:1.13;margin:15px 0}.section-head p{color:var(--muted);font-size:16px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.feature{background:#fff;padding:30px;border:1px solid var(--line);min-height:240px}.feature .num{color:var(--gold);font-family:'Playfair Display';font-size:30px}.feature h3{font-family:'Playfair Display';font-size:24px;font-weight:500;margin:18px 0 8px}.feature p{color:var(--muted);font-size:14px}.split{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;align-items:start}.quote{font-family:'Playfair Display';font-size:34px;line-height:1.25;color:var(--navy);border-left:3px solid var(--gold);padding-left:25px}.steps{display:grid;gap:0}.step{display:grid;grid-template-columns:54px 1fr;gap:20px;padding:22px 0;border-bottom:1px solid var(--line)}.stepno{width:40px;height:40px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:#9b763d;font-family:'Playfair Display'}.step h3{margin:0;font-size:17px}.step p{margin:5px 0 0;color:var(--muted);font-size:14px}.dark{background:var(--navy);color:#fff}.dark .section-head p,.dark .muted{color:#aec0ce}.dark .feature{background:#132e45;border-color:#27475e}.dark .feature h3{color:#fff}.dark .feature p{color:#afc0ce}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#345169;margin-top:48px}.fact{background:var(--navy);padding:28px}.fact strong{display:block;font-family:'Playfair Display';font-size:32px;color:#e0c58e}.fact span{font-size:12px;color:#b5c6d3}.faq{max-width:820px}.faq details{border-top:1px solid var(--line);padding:20px 0}.faq summary{cursor:pointer;font-weight:600;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq p{color:var(--muted);font-size:14px;max-width:700px}.contact{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:stretch}.contact-card{background:var(--navy);color:#fff;padding:40px}.contact-card h2{margin-top:0}.contact-card p{color:#bdccd7}.form{background:#fff;padding:40px;border:1px solid var(--line)}label{font-size:12px;color:var(--muted);display:block;margin-bottom:6px}input,textarea,select{width:100%;padding:13px;border:1px solid #d7d9d7;background:#fff;font:inherit;margin-bottom:18px}textarea{min-height:100px;resize:vertical}.form .btn{cursor:pointer;width:100%;justify-content:center}.disclaimer{font-size:11px;color:#8a949c;margin-top:24px}.footer{background:#091725;color:#a9bac7;padding:36px 0;font-size:12px}.footer .wrap{display:flex;justify-content:space-between;gap:20px}.footer strong{color:#fff;letter-spacing:.1em}.mobile{display:none}@media(max-width:800px){.wrap{width:min(100% - 32px,600px)}.topbar{display:none}.navlinks{display:none}.mobile{display:block;background:none;border:0;font-size:22px;color:var(--navy)}.hero .wrap,.split,.contact{grid-template-columns:1fr}.hero .wrap{padding:80px 0 100px;min-height:auto}.hero-card{justify-self:start;margin-top:50px}.section{padding:70px 0}.grid3{grid-template-columns:1fr}.facts{grid-template-columns:1fr 1fr}.footer .wrap{display:block}.footer .wrap>*{margin:12px 0}.hero h1{font-size:45px}}
  
/* Multi-page content system and restrained premium motion */
:root{--gold-soft:#e8bf69;--navy-deep:#071c2d;--panel:#0f2d45}
html{scroll-padding-top:92px}
body{background-image:radial-gradient(circle at var(--mouse-x,50%) var(--mouse-y,20%),rgba(200,162,103,.08),transparent 26%),radial-gradient(circle at 85% 12%,rgba(46,92,125,.08),transparent 30%)}
header{transition:background .35s ease,box-shadow .35s ease,transform .35s ease}
header:after{content:'';position:absolute;left:0;right:0;bottom:-1px;height:1px;background:linear-gradient(90deg,transparent,var(--gold-soft),transparent);opacity:.8;transform:scaleX(.35);transition:transform .6s ease}
header:hover:after{transform:scaleX(1)}
.hero,.page-hero{isolation:isolate}
.hero:before,.page-hero:before{content:'';position:absolute;width:520px;height:520px;right:-130px;bottom:-250px;border-radius:50%;background:radial-gradient(circle,rgba(227,187,102,.2),rgba(227,187,102,0) 68%);filter:blur(8px);animation:heroGlow 11s ease-in-out infinite alternate;z-index:-1}
.hero h1 em,.page-hero h1 em{background:linear-gradient(110deg,#dcc18c 15%,#fff1b9 38%,#c18d36 60%,#f4d47f 82%);background-size:220% auto;-webkit-background-clip:text;background-clip:text;color:transparent;animation:goldFlow 7s linear infinite}
.hero-card{animation:cardFloat 6s ease-in-out infinite}
.btn{position:relative;overflow:hidden;isolation:isolate}
.btn.primary:after{content:'';position:absolute;inset:-70% auto -70% -35%;width:24%;background:rgba(255,255,255,.42);transform:translateX(-220%) rotate(18deg);animation:buttonShine 5.5s ease-in-out infinite;z-index:-1}
.feature,.topic-card,.fact,.contact-card,.form,.content-panel{transition:transform .35s ease,box-shadow .35s ease,border-color .35s ease}
.feature:hover,.topic-card:hover,.contact-card:hover,.form:hover,.content-panel:hover{transform:translateY(-6px);box-shadow:0 18px 38px rgba(12,32,52,.14);border-color:rgba(200,162,103,.75)}
.dark .feature:hover,.dark .topic-card:hover{box-shadow:0 18px 38px rgba(0,0,0,.3)}
.eyebrow{position:relative;display:inline-block}
.eyebrow:after{content:'';display:block;width:42px;height:1px;margin-top:8px;background:linear-gradient(90deg,var(--gold),transparent);transform-origin:left;animation:eyebrowLine 2.8s ease-in-out infinite alternate}
.scroll-progress{position:fixed;top:0;left:0;width:100%;height:3px;z-index:100;background:transparent;pointer-events:none}
.scroll-progress span{display:block;width:0;height:100%;background:linear-gradient(90deg,#a8792e,#f6d780,#a8792e);box-shadow:0 0 12px rgba(232,191,105,.8);transition:width .08s linear}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .75s ease,transform .75s cubic-bezier(.2,.8,.2,1)}
.reveal.in-view{opacity:1;transform:none}
.reveal.in-view:hover{transform:translateY(-6px)}
.page-hero{background:var(--navy);color:#fff;overflow:hidden;position:relative;padding:110px 0 96px}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{font-size:clamp(42px,5.2vw,72px);line-height:1.08;font-weight:500;margin:18px 0 22px;max-width:820px}
.page-hero p{color:#c2d0dc;max-width:700px;font-size:17px}
.page-hero .hero-actions{margin-top:30px}
.topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.topic-card{background:#fff;border:1px solid var(--line);padding:30px;min-height:280px;display:flex;flex-direction:column}
.topic-card .topic-number{font-family:'Playfair Display',serif;color:var(--gold);font-size:30px}
.topic-card .topic-label{color:var(--gold);font-size:11px;letter-spacing:.15em;text-transform:uppercase;font-weight:700;margin-top:18px}
.topic-card h3{font-family:'Playfair Display',serif;font-size:25px;font-weight:500;line-height:1.17;margin:9px 0 10px;color:var(--navy)}
.topic-card p{color:var(--muted);font-size:14px;margin:0 0 18px}
.topic-card .topic-link{margin-top:auto;color:var(--navy);font-size:12px;font-weight:700}
.dark .topic-card{background:#132e45;border-color:#27475e;color:#fff}
.dark .topic-card h3{color:#fff}.dark .topic-card p{color:#afc0ce}.dark .topic-card .topic-link{color:#e0c58e}
.page-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(260px,.65fr);gap:60px;align-items:start}
.content-panel{background:#fff;border:1px solid var(--line);padding:34px}
.content-panel h2{font-family:'Playfair Display',serif;font-size:34px;font-weight:500;line-height:1.18;color:var(--navy);margin:0 0 14px}
.content-panel h3{font-family:'Playfair Display',serif;font-size:24px;font-weight:500;color:var(--navy);margin:28px 0 8px}
.content-panel p,.content-panel li{color:var(--muted);font-size:15px}.content-panel ul{padding-left:22px}.content-panel li{margin:8px 0}
.content-panel .callout{border-left:3px solid var(--gold);padding:14px 18px;background:#faf8f2;color:var(--navy);margin:24px 0}
.side-card{background:var(--navy);color:#fff;padding:30px;position:sticky;top:112px;box-shadow:14px 14px 0 rgba(200,162,103,.28)}
.side-card h3{font-family:'Playfair Display',serif;font-size:28px;font-weight:500;margin:0 0 12px}.side-card p{color:#bdccd7;font-size:14px}.side-card .btn{margin-top:12px;width:100%;justify-content:center}
.breadcrumbs{font-size:12px;color:#9cafbd;letter-spacing:.04em}.breadcrumbs a{color:#e0c58e}
.article-list{display:grid;gap:12px;margin:24px 0}.article-list .step{padding:18px 0}
.disclaimer-box{font-size:12px;color:#7c8790;background:#f7f5f0;border-top:1px solid var(--line);padding:18px;margin-top:28px}
footer a{color:#d4b175}
@keyframes heroGlow{from{transform:translate3d(-20px,0,0) scale(.92);opacity:.5}to{transform:translate3d(22px,-16px,0) scale(1.08);opacity:1}}
@keyframes cardFloat{0%,100%{transform:translateY(0) rotate(0)}50%{transform:translateY(-10px) rotate(.35deg)}}
@keyframes goldFlow{to{background-position:220% center}}
@keyframes buttonShine{0%,55%{transform:translateX(-220%) rotate(18deg)}78%,100%{transform:translateX(660%) rotate(18deg)}}
@keyframes eyebrowLine{from{width:24px;opacity:.5}to{width:58px;opacity:1}}
@media(max-width:980px){.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.page-layout{grid-template-columns:1fr}.side-card{position:static}}
@media(max-width:800px){.hero:before,.page-hero:before{width:360px;height:360px;right:-180px}.hero-card{animation:none}.feature:hover,.topic-card:hover,.contact-card:hover,.form:hover,.content-panel:hover{transform:translateY(-3px)}}
@media(max-width:620px){.topic-grid{grid-template-columns:1fr}.page-hero{padding:80px 0}.content-panel{padding:24px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important;transition-duration:.01ms!important}.reveal{opacity:1!important;transform:none!important}.scroll-progress{display:none}}
/* Brand menu color sync: ivory header, navy text, gold interaction states */
header,header.scrolled{background:rgba(247,245,240,.97)!important;border-bottom:1px solid rgba(200,162,103,.48)!important;box-shadow:0 8px 24px rgba(12,32,52,.12)!important}
header .brand{filter:drop-shadow(0 0 8px rgba(12,32,52,.12))}
header .navlinks,header .navdrop>a{color:var(--navy)!important}
header .navdrop>a:hover,header .navdrop:hover>a{color:#9a6c21!important;background:rgba(200,162,103,.13)!important}
header .navdrop>a:after{background:linear-gradient(90deg,transparent,var(--gold),transparent)!important}
header .navmenu{background:#fffdf9!important;border:1px solid rgba(200,162,103,.42)!important;border-top:2px solid var(--gold)!important;box-shadow:0 18px 38px rgba(12,32,52,.18)!important}
header .navmenu a{color:var(--ink)!important;border-left-color:transparent!important}
header .navmenu a:hover{background:#f4eee1!important;color:#9a6c21!important;border-left-color:var(--gold)!important}
header .btn.primary{background:var(--gold)!important;border-color:var(--gold)!important;color:var(--navy)!important;box-shadow:0 8px 18px rgba(200,162,103,.26)!important}
header .btn.primary:hover{background:#e4bc70!important;border-color:#e4bc70!important;color:var(--navy)!important}
header .mobile{color:var(--navy)!important}
@media(max-width:800px){header .navlinks{background:#f7f5f0!important;border-top:1px solid rgba(200,162,103,.42)!important;box-shadow:0 18px 30px rgba(12,32,52,.18)!important}header .navdrop>a{color:var(--navy)!important}header .navmenu{background:#fffdf9!important;border-top-color:var(--gold)!important}}