A coated article, comprising: a substrate, and a coating deposited over at least a portion of the substrate, the coating comprising: a functional coating comprising: a first dielectric metal oxide layer; a second dielectric metal oxide layer, and an infrared reflective me al layer positioned between the first and second dielectric metal oxide layer (28,34) and a topcoar formed over at least a portion of the functional coating, the topcoat comprising: a first topcoat layer having a thickness in the range of 0.5 Quarter Wave Optical Thickness (QWOT) to 1.5 QWOT with respect to a wavelength of 550 nanometers (nm) and a first refractive index of (i) less than or equal to 2 or (ii) greater than 2; a second topcoat layer having a thickness in the range of 0.5 QWOT to 1.5 QWOT with respect to a wavelength of 550nm and having a second refractive index of (i) greater than 2 when the first refractive index is less than or equal to 2 or (ii) less than or equal to 2 when the first refractive index is greater than 2; and optionally, a third topcoat layer having a thickness in the range of 0.5 QWOT to 1 QWOT with respect to a wavelength of 550 nm and a third refractive index of (i) less than or equal to 2 when the second refractive index is greater than 2 or (ii) greater than 2 when the second refractive index is less than or equal to 2, wherein adjacent low and high refractive index materials have a refractive index difference in the range of 0.2 to 1. a substrate, and a coating deposited over at least a portion of the substrate, the coating comprising: a functional coating comprising: a first dielectric metal oxide layer; a second dielectric metal oxide layer, and an infrared reflective me al layer positioned between the first and second dielectric metal oxide layer (28,34) and a topcoar formed over at least a portion of the functional coating, the topcoat comprising: a first topcoat layer having a thickness in the range of 0.5 Quarter Wave Optical Thickness (QWOT) to 1.5 QWOT with respect to a wavelength of 550 nanometers (nm) and a first refractive index of (i) less than or equal to 2 or (ii) greater than 2; a second topcoat layer having a thickness in the range of 0.5 QWOT to 1.5 QWOT with respect to a wavelength of 550nm and having a second refractive index of (i) greater than 2 when the first refractive index is less than or equal to 2 or (ii) less than or equal to 2 when the first refractive index is greater than 2; and optionally, a third topcoat layer having a thickness in the range of 0.5 QWOT to 1 QWOT with respect to a wavelength of 550 nm and a third refractive index of (i) less than or equal to 2 when the second refractive index is greater than 2 or (ii) greater than 2 when the second refractive index is less than or equal to 2, wherein adjacent low and high refractive index materials have a refractive index difference in the range of 0.2 to 1. a functional coating comprising: a first dielectric metal oxide layer; a second dielectric metal oxide layer, and an infrared reflective me al layer positioned between the first and second dielectric metal oxide layer (28,34) and a first dielectric metal oxide layer; a second dielectric metal oxide layer, and an infrared reflective me al layer positioned between the first and second dielectric metal oxide layer (28,34) and a topcoar formed over at least a portion of the functional coating, the topcoat comprising: a first topcoat layer having a thickness in the range of 0.5 Quarter Wave Optical Thickness (QWOT) to 1.5 QWOT with respect to a wavelength of 550 nanometers (nm) and a first refractive index of (i) less than or equal to 2 or (ii) greater than 2; a second topcoat layer having a thickness in the range of 0.5 QWOT to 1.5 QWOT with respect to a wavelength of 550nm and having a second refractive index of (i) greater than 2 when the first refractive index is less than or equal to 2 or (ii) less than or equal to 2 when the first refractive index is greater than 2; and optionally, a third topcoat layer having a thickness in the range of 0.5 QWOT to 1 QWOT with respect to a wavelength of 550 nm and a third refractive index of (i) less than or equal to 2 when the second refractive index is greater than 2 or (ii) greater than 2 when the second refractive index is less than or equal to 2, wherein adjacent low and high refractive index materials have a refractive index difference in the range of 0.2 to 1. a first topcoat layer having a thickness in the range of 0.5 Quarter Wave Optical Thickness (QWOT) to 1.5 QWOT with respect to a wavelength of 550 nanometers (nm) and a first refractive index of (i) less than or equal to 2 or (ii) greater than 2; a second topcoat layer having a thickness in the range of 0.5 QWOT to 1.5 QWOT with respect to a wavelength of 550nm and having a second refractive index of (i) greater than 2 when the first refractive index is less than or equal to 2 or (ii) less than or equal to 2 when the first refractive index is greater than 2; and optionally, a third topcoat layer having a thickness in the range of 0.5 QWOT to 1 QWOT with respect to a wavelength of 550 nm and a third refractive index of (i) less than or equal to 2 when the second refractive index is greater than 2 or (ii) greater than 2 when the second refractive index is less than or equal to 2, wherein adjacent low and high refractive index materials have a refractive index difference in the range of 0.2 to 1.