.cfs-page{
  --cfs-navy:#0F2340;
  --cfs-navy-mid:#1A3A5C;
  --cfs-navy-light:#234870;
  --cfs-gold:#C9A84C;
  --cfs-gold-light:#E2C97A;
  --cfs-cream:#F5F1EA;
  --cfs-cream-dark:#EDE8DF;
  --cfs-text:#3D4F63;
  --cfs-muted:#6E7A88;
  --cfs-border:rgba(15,35,64,.10);
  --cfs-gold-border:rgba(201,168,76,.26);
  --cfs-shadow:0 18px 48px rgba(15,35,64,.08);
  --cfs-radius:16px;
  background:var(--cfs-cream);
  color:var(--cfs-navy);
  font-family:'DM Sans',Arial,sans-serif;
  line-height:1.65;
  overflow-x:clip;
  -webkit-font-smoothing:antialiased;
}
.cfs-page *{box-sizing:border-box}
.cfs-page a{color:inherit;text-decoration:none}
.cfs-page a:focus-visible,.cfs-page summary:focus-visible,.cfs-page button:focus-visible{outline:2px solid var(--cfs-gold);outline-offset:3px}

.cfs-section{padding:68px 24px}
.cfs-white{background:#fff}
.cfs-cream{background:var(--cfs-cream)}
.cfs-cream-dark{background:var(--cfs-cream-dark)}
.cfs-navy{background:var(--cfs-navy)}
.cfs-navy-mid{background:var(--cfs-navy-mid)}
.cfs-kicker{display:inline-block;margin-bottom:11px;color:var(--cfs-gold);font-size:11px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
.cfs-head{max-width:840px;margin-bottom:34px}
.cfs-head.cfs-center{text-align:center;margin-left:auto;margin-right:auto}
.cfs-head h2{margin:0 0 13px;font-family:'Playfair Display',Georgia,serif;font-size:clamp(27px,3vw,40px);line-height:1.14;color:var(--cfs-navy)}
.cfs-head p{margin:0;color:var(--cfs-text);font-size:15.5px;line-height:1.76}
.cfs-light h2{color:#fff!important;-webkit-text-fill-color:#fff!important}
.cfs-light p{color:rgba(235,241,247,.86)!important;-webkit-text-fill-color:rgba(235,241,247,.86)!important}
.cfs-btn,.cfs-btn-outline,.cfs-btn-link{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:13px 24px;border-radius:8px;font-size:15px;font-weight:900;transition:all .22s ease}
.cfs-btn{background:var(--cfs-gold);color:var(--cfs-navy)!important;-webkit-text-fill-color:var(--cfs-navy)!important}
.cfs-btn:hover{background:var(--cfs-gold-light);transform:translateY(-2px);box-shadow:0 10px 28px rgba(201,168,76,.26)}
.cfs-btn-outline{border:1px solid var(--cfs-gold-border);background:rgba(201,168,76,.08);color:var(--cfs-gold-light)!important;-webkit-text-fill-color:var(--cfs-gold-light)!important}
.cfs-btn-outline:hover{border-color:var(--cfs-gold);background:rgba(201,168,76,.15)}
.cfs-btn-link{padding-left:0;padding-right:0;border-radius:0;border-bottom:1px solid rgba(201,168,76,.30);color:rgba(235,241,247,.88)!important;-webkit-text-fill-color:rgba(235,241,247,.88)!important}
.cfs-btn-link:hover{color:var(--cfs-gold-light)!important;-webkit-text-fill-color:var(--cfs-gold-light)!important;border-color:var(--cfs-gold)}

/* HERO */
.cfs-hero{position:relative;overflow:hidden;background:var(--cfs-navy);padding:58px 24px 0}
.cfs-hero::before{content:"";position:absolute;width:760px;height:760px;right:-220px;top:-250px;background:radial-gradient(circle,rgba(201,168,76,.12) 0%,transparent 66%);pointer-events:none}
.cfs-hero::after{content:"CH";position:absolute;right:3%;bottom:-22px;color:rgba(201,168,76,.035);font-family:'Playfair Display',Georgia,serif;font-size:190px;font-weight:900;line-height:1;pointer-events:none}
.cfs-hero-grid{position:relative;z-index:2;max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:48px;align-items:center}
.cfs-badge{display:inline-flex;align-items:center;gap:8px;margin-bottom:18px;padding:7px 14px;border:1px solid var(--cfs-gold-border);border-radius:6px;background:rgba(201,168,76,.10);color:var(--cfs-gold-light);font-size:11px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.cfs-dot{width:7px;height:7px;border-radius:50%;background:var(--cfs-gold)}
.cfs-hero h1{max-width:780px;margin:0 0 14px;font-family:'Playfair Display',Georgia,serif;font-size:clamp(34px,4vw,52px);line-height:1.07;color:#fff;-webkit-text-fill-color:#fff}
.cfs-hero-subtitle{margin:0 0 17px;color:var(--cfs-gold-light);font-family:'Playfair Display',Georgia,serif;font-size:clamp(20px,2.1vw,29px);line-height:1.23;font-weight:700}
.cfs-hero-lead{max-width:720px;margin:0 0 24px;color:rgba(235,241,247,.87);font-size:16px;line-height:1.76}
.cfs-hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.cfs-hero-card{background:var(--cfs-navy-mid);border:1px solid var(--cfs-gold-border);border-radius:var(--cfs-radius);overflow:hidden;box-shadow:0 22px 58px rgba(0,0,0,.16)}
.cfs-hero-card-head{padding:15px 20px;background:linear-gradient(135deg,var(--cfs-gold),var(--cfs-gold-light));color:var(--cfs-navy);font-size:14px;font-weight:900}
.cfs-hero-card-body{padding:17px 20px}
.cfs-fact-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:14px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.10)}
.cfs-fact-row:last-child{border-bottom:0}
.cfs-fact-row span{color:#DCE4EC;font-size:12.5px;line-height:1.4}
.cfs-fact-row strong{color:var(--cfs-gold-light);font-size:12.5px;text-align:right;white-space:nowrap}
.cfs-trust{position:relative;z-index:2;max-width:1160px;margin:34px auto 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid rgba(201,168,76,.13)}
.cfs-trust-item{padding:15px 14px;display:flex;gap:9px;align-items:flex-start;border-right:1px solid rgba(201,168,76,.09);color:rgba(235,241,247,.74);font-size:12.5px;line-height:1.45}
.cfs-trust-item:last-child{border-right:0}
.cfs-trust-mark{color:var(--cfs-gold);font-weight:900}

/* DIRECT ANSWER */
.cfs-direct{background:#fff;padding:34px 24px;border-bottom:1px solid var(--cfs-border)}
.cfs-direct-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:stretch}
.cfs-answer{padding:25px 27px;border-left:4px solid var(--cfs-gold);border-radius:0 12px 12px 0;background:var(--cfs-cream)}
.cfs-answer h2{margin:0 0 10px;font-family:'Playfair Display',Georgia,serif;font-size:clamp(24px,2.4vw,33px);line-height:1.18}
.cfs-answer p{margin:0;color:var(--cfs-text);font-size:15px;line-height:1.72}
.cfs-answer p+p{margin-top:10px}
.cfs-signal-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.cfs-signal{padding:17px;background:#fff;border:1px solid var(--cfs-border);border-radius:11px;box-shadow:0 8px 24px rgba(15,35,64,.04)}
.cfs-signal b{display:block;color:var(--cfs-gold);font-size:10.5px;letter-spacing:.09em;text-transform:uppercase;margin-bottom:6px}
.cfs-signal strong{display:block;color:var(--cfs-navy);font-size:13.5px;line-height:1.35;margin-bottom:4px}
.cfs-signal p{margin:0;color:var(--cfs-text);font-size:12.5px;line-height:1.55}

/* CARDS / TABLE */
.cfs-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.cfs-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.cfs-grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.cfs-card{display:flex;flex-direction:column;min-width:0;padding:24px 22px;background:#fff;border:1px solid var(--cfs-border);border-radius:var(--cfs-radius);box-shadow:var(--cfs-shadow);transition:transform .2s,border-color .2s}
.cfs-card:hover{transform:translateY(-3px);border-color:var(--cfs-gold)}
.cfs-card.cfs-featured{background:var(--cfs-navy);border-color:var(--cfs-gold-border)}
.cfs-card-label{display:inline-block;align-self:flex-start;margin-bottom:12px;padding:5px 10px;border-radius:999px;background:rgba(201,168,76,.12);color:#8A671F;font-size:10.5px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.cfs-featured .cfs-card-label{color:var(--cfs-gold-light);border:1px solid var(--cfs-gold-border)}
.cfs-card h3{margin:0 0 9px;font-family:'Playfair Display',Georgia,serif;font-size:21px;line-height:1.24;color:var(--cfs-navy)}
.cfs-featured h3{color:#fff!important;-webkit-text-fill-color:#fff!important}
.cfs-card p{margin:0 0 17px;color:var(--cfs-text);font-size:13.5px;line-height:1.65;flex:1}
.cfs-featured p{color:rgba(235,241,247,.79)!important;-webkit-text-fill-color:rgba(235,241,247,.79)!important}
.cfs-card-list{list-style:none;margin:0 0 17px;padding:0;display:grid;gap:7px}
.cfs-card-list li{display:flex;gap:8px;color:var(--cfs-text);font-size:12.8px;line-height:1.5}
.cfs-card-list li::before{content:"✓";color:var(--cfs-gold);font-weight:900}
.cfs-featured .cfs-card-list li{color:rgba(235,241,247,.80)}
.cfs-card-link{display:inline-flex;align-items:center;gap:6px;color:#8A671F;font-size:13px;font-weight:900}
.cfs-featured .cfs-card-link{color:var(--cfs-gold-light)}
.cfs-card-link:hover{text-decoration:underline;text-underline-offset:3px}
.cfs-table-wrap{overflow-x:auto;border:1px solid var(--cfs-border);border-radius:var(--cfs-radius);background:#fff;box-shadow:var(--cfs-shadow)}
.cfs-table{width:100%;min-width:760px;border-collapse:collapse}
.cfs-table th,.cfs-table td{padding:15px 17px;border-bottom:1px solid var(--cfs-border);vertical-align:top;text-align:left;font-size:13px;line-height:1.55}
.cfs-table th{background:var(--cfs-navy);color:#fff;-webkit-text-fill-color:#fff;font-size:12px;letter-spacing:.04em}
.cfs-table td:first-child{font-weight:900;color:var(--cfs-navy)}
.cfs-table tr:last-child td{border-bottom:0}
.cfs-table-note{margin:13px 0 0;color:var(--cfs-muted);font-size:12.5px;line-height:1.6}

/* DOCUMENTS / PROCESS */
.cfs-doc-panel{padding:26px;background:#fff;border:1px solid var(--cfs-border);border-radius:var(--cfs-radius);box-shadow:var(--cfs-shadow)}
.cfs-doc-panel h3{margin:0 0 9px;font-family:'Playfair Display',Georgia,serif;font-size:22px;line-height:1.25}
.cfs-doc-panel p{margin:0 0 15px;color:var(--cfs-text);font-size:13.5px;line-height:1.65}
.cfs-doc-list{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.cfs-doc-list li{display:flex;gap:9px;color:var(--cfs-text);font-size:13px;line-height:1.5}
.cfs-doc-list li::before{content:"•";color:var(--cfs-gold);font-weight:900}
.cfs-process{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:11px}
.cfs-step{padding:18px;background:#fff;border:1px solid var(--cfs-border);border-radius:12px}
.cfs-step b{display:flex;width:32px;height:32px;align-items:center;justify-content:center;margin-bottom:11px;border-radius:50%;background:var(--cfs-navy);color:var(--cfs-gold);font-size:12px}
.cfs-step h3{margin:0 0 6px;font-size:13.5px;line-height:1.38}
.cfs-step p{margin:0;color:var(--cfs-text);font-size:12.2px;line-height:1.52}

/* DARK ECOSYSTEM */
.cfs-dark-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:rgba(201,168,76,.16);border:1px solid rgba(201,168,76,.16);border-radius:var(--cfs-radius);overflow:hidden}
.cfs-dark-card{display:flex;flex-direction:column;padding:24px 21px;background:var(--cfs-navy-mid);min-height:220px;transition:background .2s}
.cfs-dark-card:hover{background:var(--cfs-navy-light)}
.cfs-dark-card span{color:var(--cfs-gold);font-size:10.5px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:9px}
.cfs-dark-card h3{margin:0 0 8px;color:#fff!important;-webkit-text-fill-color:#fff!important;font-family:'Playfair Display',Georgia,serif;font-size:19px;line-height:1.25}
.cfs-dark-card p{margin:0 0 14px;color:rgba(235,241,247,.75)!important;-webkit-text-fill-color:rgba(235,241,247,.75)!important;font-size:12.8px;line-height:1.6;flex:1}
.cfs-dark-card b{color:var(--cfs-gold-light);font-size:12.5px}

/* PRACTICAL CASE */
.cfs-case{display:grid;grid-template-columns:.75fr 1.25fr;gap:24px;padding:30px;background:linear-gradient(135deg,var(--cfs-navy),var(--cfs-navy-mid));border:1px solid var(--cfs-gold-border);border-radius:var(--cfs-radius);box-shadow:0 22px 56px rgba(15,35,64,.15)}
.cfs-case h3{margin:0 0 10px;color:#fff!important;-webkit-text-fill-color:#fff!important;font-family:'Playfair Display',Georgia,serif;font-size:25px;line-height:1.2}
.cfs-case p{margin:0;color:rgba(235,241,247,.82)!important;-webkit-text-fill-color:rgba(235,241,247,.82)!important;font-size:14px;line-height:1.7}
.cfs-case-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.cfs-case-item{padding:14px 15px;background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.16);border-radius:10px}
.cfs-case-item b{display:block;color:var(--cfs-gold-light);font-size:11px;text-transform:uppercase;letter-spacing:.07em;margin-bottom:5px}
.cfs-case-item span{display:block;color:#EAF0F6;-webkit-text-fill-color:#EAF0F6;font-size:12.5px;line-height:1.5}

/* ROUTING / FAQ / FORM */
.cfs-route-box{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:center;padding:28px;background:#fff;border:1px solid var(--cfs-border);border-radius:var(--cfs-radius);box-shadow:var(--cfs-shadow)}
.cfs-route-box h2{margin:0 0 10px;font-family:'Playfair Display',Georgia,serif;font-size:28px;line-height:1.2}
.cfs-route-box p{margin:0;color:var(--cfs-text);font-size:14px;line-height:1.7}
.cfs-route-list{display:grid;gap:10px}
.cfs-route-link{display:flex;justify-content:space-between;gap:14px;padding:12px 14px;border:1px solid var(--cfs-border);border-radius:9px;color:var(--cfs-navy);font-size:13px;font-weight:900}
.cfs-route-link:hover{border-color:var(--cfs-gold);background:rgba(201,168,76,.06)}
.cfs-route-link span:last-child{color:var(--cfs-gold)}
.cfs-faq{display:grid;gap:10px;max-width:920px;margin:0 auto}
.cfs-faq details{border:1px solid var(--cfs-gold-border);border-radius:12px;background:var(--cfs-navy-mid);overflow:hidden}
.cfs-faq summary{cursor:pointer;list-style:none;padding:18px 22px;color:#fff!important;-webkit-text-fill-color:#fff!important;font-weight:900;font-size:15px;display:flex;justify-content:space-between;gap:16px}
.cfs-faq summary::-webkit-details-marker{display:none}
.cfs-faq summary::after{content:"+";color:var(--cfs-gold-light);font-size:21px;line-height:1}
.cfs-faq details[open] summary::after{content:"−"}
.cfs-faq-answer{padding:0 22px 20px;border-top:1px solid rgba(201,168,76,.14)}
.cfs-faq-answer p{margin:15px 0 0;color:#EAF0F6!important;-webkit-text-fill-color:#EAF0F6!important;font-size:14px;line-height:1.72}
.cfs-sources{max-width:920px;margin:24px auto 0;border:1px solid var(--cfs-border);border-radius:11px;background:#fff;overflow:hidden}
.cfs-sources summary{cursor:pointer;list-style:none;padding:16px 19px;color:var(--cfs-navy);font-size:13px;font-weight:900;display:flex;justify-content:space-between;gap:14px}
.cfs-sources summary::-webkit-details-marker{display:none}
.cfs-sources summary::after{content:"+";color:var(--cfs-gold);font-size:19px}
.cfs-sources[open] summary::after{content:"−"}
.cfs-sources-body{padding:16px 19px;border-top:1px solid var(--cfs-border)}
.cfs-sources-body ul{margin:0;padding-left:19px;display:grid;gap:8px}
.cfs-sources-body li{color:var(--cfs-text);font-size:12.5px;line-height:1.55}
.cfs-sources-body a{color:#1D4ED8;text-decoration:underline;text-underline-offset:2px}
.cfs-form-shell{display:grid;grid-template-columns:.86fr 1.14fr;gap:28px;align-items:start;padding:32px;background:#fff;border:1px solid var(--cfs-border);border-radius:var(--cfs-radius);box-shadow:var(--cfs-shadow)}
.cfs-form-copy h2{margin:0 0 11px;font-family:'Playfair Display',Georgia,serif;font-size:clamp(27px,3vw,38px);line-height:1.15}
.cfs-form-copy p{margin:0;color:var(--cfs-text);font-size:14px;line-height:1.72}
.cfs-form-points{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px}
.cfs-form-points li{display:flex;gap:8px;color:var(--cfs-text);font-size:13px;line-height:1.5}
.cfs-form-points li::before{content:"•";color:var(--cfs-gold);font-weight:900}
.cfs-form-area{min-width:0}
.cfs-form-area input,.cfs-form-area select,.cfs-form-area textarea{max-width:100%;width:100%;color:var(--cfs-navy)!important;-webkit-text-fill-color:var(--cfs-navy)!important;background:#fff!important;border:1px solid var(--cfs-border)!important;border-radius:7px!important}
.cfs-form-area label{color:var(--cfs-navy)!important;-webkit-text-fill-color:var(--cfs-navy)!important}
.cfs-form-area button,.cfs-form-area input[type="submit"]{background:var(--cfs-gold)!important;color:var(--cfs-navy)!important;-webkit-text-fill-color:var(--cfs-navy)!important;border:0!important;border-radius:7px!important;font-weight:900!important}

/* STICKY */
.cfs-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;display:flex;align-items:center;justify-content:center;gap:16px;padding:12px 52px 12px 20px;border-top:2px solid var(--cfs-gold);background:var(--cfs-navy);box-shadow:0 -4px 24px rgba(0,0,0,.30);transform:translateY(110%);transition:transform .3s ease}
.cfs-sticky.is-visible{transform:translateY(0)}
.cfs-sticky span{color:rgba(235,241,247,.88);font-size:13px}
.cfs-sticky span strong{color:#fff;-webkit-text-fill-color:#fff}
.cfs-sticky a{padding:9px 19px;border-radius:7px;background:var(--cfs-gold);color:var(--cfs-navy)!important;-webkit-text-fill-color:var(--cfs-navy)!important;font-size:13px;font-weight:900;white-space:nowrap}
.cfs-sticky-close{position:absolute;right:14px;top:50%;transform:translateY(-50%);border:0;background:transparent;color:#AAB5C1;font-size:22px;cursor:pointer}

@media(max-width:1080px){
  .cfs-hero-grid,.cfs-direct-grid,.cfs-case,.cfs-form-shell{grid-template-columns:1fr}
  .cfs-hero-card{max-width:none}
  .cfs-process{grid-template-columns:repeat(3,minmax(0,1fr))}
  .cfs-dark-grid,.cfs-grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:760px){
  .cfs-section{padding:50px 18px}
  .cfs-wrap{padding:0}
  .cfs-hero{padding:38px 18px 0}
  .cfs-hero-grid{gap:26px}
  .cfs-hero h1{font-size:clamp(32px,10vw,43px)}
  .cfs-hero::after{display:none}
  .cfs-trust{grid-template-columns:1fr 1fr;margin-top:24px}
  .cfs-trust-item:nth-child(2n){border-right:0}
  
  
  .cfs-dark-card{min-height:auto}
  .cfs-table th,.cfs-table td{padding:12px 13px}
  .cfs-sticky span{display:none}
  .cfs-sticky{padding-left:16px;padding-right:48px}
  .cfs-sticky a{width:100%;text-align:center}
}
@media(max-width:480px){
  .cfs-trust{grid-template-columns:1fr}
  .cfs-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.09)}
  .cfs-trust-item:nth-child(n+3){display:none}
  .cfs-hero-actions{align-items:stretch}
  .cfs-hero-actions a{width:100%}
  .cfs-card,.cfs-doc-panel,.cfs-route-box,.cfs-form-shell{padding:21px 18px}
}
@media(prefers-reduced-motion:reduce){
  .cfs-page *{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important}
}