:root{
  --navy:#0F2340;--navy-mid:#1A3A5C;--navy-lt:#234870;
  --gold:#C9A84C;--gold-lt:#E2C97A;--gold-dim:rgba(201,168,76,.12);--gold-bd:rgba(201,168,76,.22);
  --cream:#F5F1EA;--cream-dk:#EDE8DF;--steel:#8A96A3;--text:#3D4F63;--r:8px;
  --grn-dim:rgba(22,163,74,.1);--grn-bd:rgba(22,163,74,.25);--grn-txt:#16a34a;
  --red-dim:rgba(220,38,38,.1);--red-bd:rgba(220,38,38,.3);--red-txt:#E24B4A;
  /* Couleur accentuée unique à cette page — orange, cohérente avec /comptabilite-stock-marges-commerce/ */
  --acc:#D9791F;--acc-dim:rgba(217,121,31,.12);--acc-bd:rgba(217,121,31,.32);--acc-txt:#f0a868;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px;overflow:hidden}
.sec{padding:72px 24px;overflow:hidden}
.sec.dk{background:var(--navy)}.sec.mid{background:var(--navy-mid)}.sec.cr{background:var(--cream)}.sec.crd{background:var(--cream-dk)}.sec.wh{background:#fff}
.sec-ttl{font-family:'Playfair Display',serif;font-size:clamp(23px,2.6vw,34px);font-weight:700;line-height:1.18;margin-bottom:14px}
.sec-ttl em{font-style:normal;color:var(--gold)}.sec-ttl.wh{color:#fff}.sec-ttl.nv{color:var(--navy)}
.sec-sub{font-size:15.5px;max-width:640px;line-height:1.75}.sec-sub.nv{color:var(--text)}
.sec-hd{margin-bottom:40px}
.btn-gold{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy);padding:13px 26px;border-radius:4px;font-weight:600;font-size:15px;line-height:1.4;border:none;transition:all .2s;font-family:'DM Sans',sans-serif;text-decoration:none;text-align:center;cursor:pointer}
.btn-gold:hover{background:var(--gold-lt);transform:translateY(-2px);box-shadow:0 8px 28px rgba(201,168,76,.32)}
.btn-ghost{display:inline-flex;align-items:center;gap:6px;color:rgba(212,220,229,.85);font-size:14px;padding:13px 0;border-bottom:1px solid rgba(201,168,76,.25);transition:all .2s;text-decoration:none}
.btn-ghost:hover{color:var(--gold);border-color:var(--gold)}
.tel-link{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--gold-bd);color:var(--gold);padding:12px 20px;border-radius:4px;font-weight:600;font-size:14px;background:var(--gold-dim);transition:all .2s;text-decoration:none}
.tel-link:hover{background:rgba(201,168,76,.2);border-color:var(--gold)}

/* STICKY */
.sticky{position:fixed;bottom:0;left:0;right:0;z-index:600;background:var(--navy);border-top:2px solid var(--gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;transform:translateY(100%);transition:transform .3s;box-shadow:0 -4px 20px rgba(0,0,0,.28)}
.sticky.on{transform:translateY(0)}.sticky-msg{color:rgba(212,220,229,.9);font-size:13px}.sticky-msg strong{color:#fff}
.sticky-btn{background:var(--gold);color:var(--navy);padding:8px 20px;border-radius:4px;font-weight:600;font-size:13px;border:none;cursor:pointer;font-family:'DM Sans',sans-serif}
.sticky-x{position:absolute;right:14px;background:none;border:none;color:var(--steel);font-size:20px;cursor:pointer;line-height:1;padding:4px}

/* HERO */
.hero{background:var(--navy);padding:56px 24px 0;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-60px;right:-60px;width:680px;height:680px;background:radial-gradient(circle,rgba(217,121,31,.15) 0%,transparent 65%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.35),transparent)}
.hero-in{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:48px;align-items:start}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--acc-dim);border:1px solid var(--acc-bd);color:var(--acc-txt);padding:6px 14px;border-radius:4px;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;margin-bottom:18px}
.hero-badge-dot{width:7px;height:7px;border-radius:50%;background:var(--acc-txt);flex-shrink:0;animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(26px,2.9vw,42px);color:#fff;font-weight:700;line-height:1.14;margin-bottom:16px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero-lead{font-size:15.5px;color:rgba(212,220,229,.88);line-height:1.75;margin-bottom:20px;max-width:540px}
.hero-checks{display:flex;flex-direction:column;gap:9px;margin-bottom:26px}
.hck{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:rgba(212,220,229,.9);line-height:1.55}
.hck-ic{width:20px;height:20px;min-width:20px;background:var(--gold-dim);border:1px solid rgba(201,168,76,.35);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:10px;font-weight:700;flex-shrink:0;margin-top:1px}
.hero-btns{display:flex;align-items:center;gap:14px;flex-wrap:wrap}

/* HERO CARD — pages liées */
.hero-card{background:var(--navy-mid);border:1px solid var(--acc-bd);border-radius:var(--r);overflow:hidden}
.hc-hd{background:linear-gradient(135deg,var(--acc),#e8954f);padding:16px 22px}
.hc-hd-title{font-size:15px;font-weight:700;color:#fff;margin-bottom:2px}
.hc-hd-sub{font-size:11.5px;color:rgba(255,255,255,.72)}
.hc-body{padding:10px 22px 6px}
.hc-row{display:flex;justify-content:space-between;align-items:flex-start;padding:11px 0;border-bottom:1px solid rgba(217,121,31,.15);gap:10px}
.hc-row:last-child{border-bottom:none}
.hc-lbl{font-size:13px;color:#D4DCE5;line-height:1.4}
.hc-lbl small{display:block;font-size:11px;color:var(--steel);margin-top:1px}
.hc-link{font-size:12.5px;font-weight:700;color:var(--acc-txt);text-align:right;flex-shrink:0;white-space:nowrap}
.hc-link:hover{color:#fff}
.hc-cta{display:block;text-align:center;padding:13px 18px;background:var(--gold);color:var(--navy);font-weight:700;font-size:14px;transition:background .2s;text-decoration:none;margin-top:6px}
.hc-cta:hover{background:var(--gold-lt)}
.hc-note{text-align:center;font-size:11px;color:var(--steel);padding:8px 22px 12px}

.hero-trust{max-width:1160px;margin:36px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.08)}
.hti{padding:13px 16px;display:flex;align-items:center;gap:9px;font-size:12.5px;color:#9BADB8;border-right:1px solid rgba(201,168,76,.07)}
.hti:last-child{border-right:none}

/* TOC */
.toc-strip{background:#fff;border-bottom:1px solid rgba(15,35,64,.08);overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.toc-strip::-webkit-scrollbar{display:none}
.toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.toc-link{display:inline-block;padding:12px 14px;font-size:12px;font-weight:600;color:var(--steel);border-bottom:2px solid transparent;transition:all .2s;text-decoration:none}
.toc-link:hover{color:var(--gold);border-color:var(--gold)}.toc-link.cta{color:var(--navy);background:var(--gold-dim);border-color:var(--gold)}

/* ARTICLE */
.article-intro{background:#fff;border-bottom:1px solid rgba(15,35,64,.07)}
.ai-in{max-width:860px;margin:0 auto;padding:40px 24px}
.ai-in p{font-size:16px;color:var(--text);line-height:1.85;margin-bottom:16px}.ai-in strong{color:var(--navy)}
.highlight-box{background:var(--gold-dim);border-left:3px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:14px 20px;font-size:14px;color:var(--navy);line-height:1.7;margin:20px 0}
.disclaimer{background:var(--acc-dim);border:1px solid var(--acc-bd);border-radius:var(--r);padding:14px 18px;margin-top:20px;font-size:13px;color:var(--text);line-height:1.65}
.disclaimer strong{color:var(--navy)}.disclaimer a{color:var(--gold);font-weight:600}

/* EXPERT TAG */
.expert-tag{display:inline-flex;align-items:center;gap:8px;background:var(--gold-dim);border:1px solid var(--gold-bd);color:var(--gold);font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:16px}
.expert-tag.acc{background:var(--acc-dim);border-color:var(--acc-bd);color:var(--acc-txt)}
.expert-h2{font-family:'Playfair Display',serif;font-size:clamp(20px,2.3vw,29px);font-weight:700;color:var(--navy);margin-bottom:10px;line-height:1.18}
.expert-h2 em{font-style:normal;color:var(--gold)}.expert-h2.wh{color:#fff}
.expert-lead{font-size:15px;color:var(--text);line-height:1.75;margin-bottom:22px;max-width:800px}
.expert-lead.wh{color:rgba(212,220,229,.82)}

/* CALLOUT */
.callout{border-radius:var(--r);padding:18px 22px;margin:22px 0;display:flex;gap:14px;align-items:flex-start;word-break:break-word}
.callout.warn{background:var(--red-dim);border-left:4px solid var(--red-txt);border-radius:0 var(--r) var(--r) 0}
.callout.info{background:var(--gold-dim);border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0}
.callout.tip{background:var(--grn-dim);border-left:4px solid var(--grn-txt);border-radius:0 var(--r) var(--r) 0}
.callout.acc{background:var(--acc-dim);border-left:4px solid var(--acc);border-radius:0 var(--r) var(--r) 0}
.callout-ic{font-size:20px;flex-shrink:0;margin-top:2px}
.callout-body strong{display:block;font-size:13.5px;color:var(--navy);margin-bottom:4px}
.callout-body p{font-size:13px;color:var(--text);line-height:1.65;margin:0}

/* COMPOSANTS */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px;overflow:hidden}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;overflow:hidden}

/* ACCORDION SECTION LIST (fuites de marge) */
.acc-list{display:flex;flex-direction:column;gap:3px;background:var(--gold-bd);border-radius:var(--r);overflow:hidden}
.acc-sec{background:#fff;overflow:hidden}
.acc-hd{width:100%;text-align:left;background:none;border:none;cursor:pointer;font-family:'DM Sans',sans-serif;padding:20px 24px;display:flex;align-items:center;gap:14px;transition:background .2s}
.acc-hd:hover{background:rgba(201,168,76,.04)}
.acc-num{width:42px;height:42px;flex-shrink:0;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:17px;font-weight:700;color:var(--gold)}
.acc-ttl{flex:1}
.acc-ttl h3{font-size:15px;font-weight:600;color:var(--navy);margin-bottom:2px}
.acc-ttl .acc-sub{font-size:12px;color:var(--steel)}
.acc-arrow{color:var(--steel);font-size:20px;transition:transform .3s;flex-shrink:0}
.acc-sec.open .acc-arrow{transform:rotate(45deg)}
.acc-body{max-height:0;overflow:hidden;transition:max-height .4s ease}
.acc-sec.open .acc-body{max-height:900px}
.acc-inner{padding:0 24px 24px;border-top:1px solid rgba(201,168,76,.1)}
.acc-inner p{font-size:14px;color:var(--text);line-height:1.75;margin-bottom:12px;padding-top:16px}
.acc-inner p:first-child{padding-top:16px}
.acc-inner ul{list-style:none;display:flex;flex-direction:column;gap:7px;margin-bottom:14px}
.acc-inner li{display:flex;align-items:flex-start;gap:8px;font-size:13.5px;color:var(--text);line-height:1.55}
.acc-inner li::before{content:'→';color:var(--gold);font-weight:700;font-size:11px;flex-shrink:0;margin-top:2px}
.acc-inner li strong{color:var(--navy)}
.acc-link-row{margin-top:6px}
.acc-link-row a{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:700;color:var(--acc-txt);border-bottom:1px solid var(--acc-bd);padding-bottom:1px}
.acc-link-row a:hover{color:var(--acc)}

/* ERREURS */
.erreur-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;overflow:hidden}
.erreur{background:var(--red-dim);border:1px solid var(--red-bd);border-radius:var(--r);padding:18px}
.erreur-num{font-size:11px;font-weight:700;color:var(--red-txt);text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}
.erreur h4{font-size:14px;font-weight:600;color:var(--navy);margin-bottom:6px}
.erreur p{font-size:13px;color:var(--text);line-height:1.6;margin-bottom:10px}
.erreur-fix{font-size:12px;color:var(--grn-txt);background:var(--grn-dim);border:1px solid var(--grn-bd);border-radius:6px;padding:8px 12px;line-height:1.5}

/* CTA MID */
.cta-mid{background:var(--navy);border-radius:var(--r);padding:24px 30px;display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;margin:36px 0}
.cta-mid-txt strong{font-size:15px;color:#fff;display:block;margin-bottom:4px}
.cta-mid-txt span{font-size:13px;color:rgba(212,220,229,.75)}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:2px;border-radius:var(--r);overflow:hidden;background:var(--gold-bd)}
.faq-item{background:var(--navy-mid)}
.faq-btn{width:100%;text-align:left;background:none;border:none;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;transition:background .2s;font-family:'DM Sans',sans-serif}
.faq-btn:hover{background:rgba(255,255,255,.03)}
.faq-q{font-size:15px;font-weight:600;color:#fff;line-height:1.4;flex:1}
.faq-ic{width:26px;height:26px;flex-shrink:0;background:var(--gold-dim);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:19px;font-weight:300;transition:transform .3s}
.faq-item.open .faq-ic{transform:rotate(45deg);background:rgba(201,168,76,.22)}
.faq-ans{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s ease;padding:0 24px}
.faq-item.open .faq-ans{max-height:500px;padding-bottom:20px}
.faq-ans p{font-size:14px;color:rgba(212,220,229,.85);line-height:1.72;border-top:1px solid var(--gold-bd);padding-top:14px}

/* CTA SERVICE (conversion box) */
.service-cta-box{background:var(--navy);border-radius:var(--r);padding:32px;border:2px solid var(--acc-bd);position:relative;overflow:hidden;margin:36px 0}
.service-cta-box::before{content:'';position:absolute;top:0;right:0;width:200px;height:100%;background:linear-gradient(135deg,transparent,rgba(217,121,31,.08))}
.service-cta-box h3{font-family:'Playfair Display',serif;font-size:clamp(18px,2vw,24px);color:#fff;margin-bottom:8px}
.service-cta-box h3 em{font-style:normal;color:var(--gold)}
.service-cta-box p{font-size:14px;color:rgba(212,220,229,.82);line-height:1.7;margin-bottom:18px;max-width:640px}
.service-cta-btns{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.btn-acc{display:inline-flex;align-items:center;gap:8px;background:var(--acc);color:#fff;padding:12px 22px;border-radius:4px;font-weight:600;font-size:14px;text-decoration:none;transition:all .2s}
.btn-acc:hover{background:#c2690f;transform:translateY(-1px)}

/* CTA FINAL */
.fcta-box{max-width:1160px;margin:0 auto;background:var(--navy);border-radius:12px;padding:52px;position:relative;overflow:hidden;display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center}
.fcta-box::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold) 0%,transparent 70%)}
.fcta-box h2{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,30px);color:#fff;line-height:1.2;margin-bottom:12px}
.fcta-box h2 em{font-style:normal;color:var(--gold)}
.fcta-box>div>p{font-size:15px;color:rgba(212,220,229,.82);line-height:1.72}
.fa{display:flex;flex-direction:column;gap:10px;flex-shrink:0;min-width:200px}
.fa-note{font-size:12px;color:var(--steel);text-align:center}

/* RELATED */
.related-bar{background:var(--cream);border-top:1px solid rgba(15,35,64,.08);padding:24px}
.related-in{max-width:1160px;margin:0 auto;display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.related-lbl{font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--steel);flex-shrink:0}
.rel-pill{background:#fff;border:1px solid rgba(15,35,64,.1);color:var(--navy);padding:6px 14px;border-radius:20px;font-size:13px;text-decoration:none;transition:all .2s}
.rel-pill:hover{border-color:var(--gold);color:var(--gold)}


/* PLAN DU GUIDE PREMIUM */
.guide-plan{background:#fff;border-bottom:1px solid rgba(15,35,64,.08)}
.gp-in{max-width:1160px;margin:0 auto;padding:34px 24px}
.gp-head{display:flex;align-items:flex-end;justify-content:space-between;gap:22px;margin-bottom:18px}
.gp-head h2{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,31px);line-height:1.18;color:var(--navy);margin:0}
.gp-head h2 em{font-style:normal;color:var(--gold)}
.gp-head p{max-width:500px;font-size:13.5px;color:var(--text);line-height:1.65;margin:0}
.gp-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.gp-card{background:var(--cream);border:1px solid rgba(15,35,64,.08);border-radius:var(--r);padding:18px;display:flex;flex-direction:column;gap:8px}
.gp-num{width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:'Playfair Display',serif;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:14px}
.gp-card h3{font-size:14px;line-height:1.35;color:var(--navy);margin:0}
.gp-card p{font-size:12.5px;color:var(--text);line-height:1.55;margin:0}
.gp-card a{margin-top:auto;font-size:12.5px;font-weight:700;color:var(--acc);text-decoration:none;border-bottom:1px solid var(--acc-bd);width:max-content}

/* TABLES PREMIUM */
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--r);border:1px solid rgba(15,35,64,.10);background:#fff;margin:22px 0}
.dt{width:100%;border-collapse:collapse;min-width:620px}
.dt thead tr{background:var(--navy)}
.dt thead th{padding:12px 16px;color:var(--gold);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;text-align:left}
.dt tbody tr{border-bottom:1px solid rgba(15,35,64,.07)}
.dt tbody tr:nth-child(even){background:var(--cream)}
.dt td{padding:13px 16px;font-size:13px;color:var(--text);vertical-align:top;line-height:1.55}
.dt td:first-child{font-weight:700;color:var(--navy)}
.tbl-note{font-size:12px;color:var(--steel);line-height:1.55;margin-top:-12px;margin-bottom:20px}

/* CAS TERRAIN */
.case-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.case-card{background:#fff;border:1px solid rgba(15,35,64,.08);border-radius:var(--r);padding:22px;box-shadow:0 2px 8px rgba(15,35,64,.05)}
.case-tag{display:inline-block;font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--acc);background:var(--acc-dim);border:1px solid var(--acc-bd);border-radius:999px;padding:4px 10px;margin-bottom:12px}
.case-card h3{font-family:'Playfair Display',serif;font-size:16px;line-height:1.3;color:var(--navy);margin-bottom:10px}
.case-card p{font-size:13px;color:var(--text);line-height:1.62;margin-bottom:10px}
.case-card strong{color:var(--navy)}
.sources-box{background:#fff;border:1px solid rgba(15,35,64,.08);border-radius:var(--r);padding:20px 22px;margin-top:24px}
.sources-box h3{font-size:14px;color:var(--navy);margin-bottom:8px}
.sources-box p{font-size:13px;color:var(--text);line-height:1.65;margin:0}
.sources-box a{color:var(--acc);font-weight:700;text-decoration:underline;text-decoration-color:var(--acc-bd)}

/* ═══ RESPONSIVE ═══ */
@media(max-width:1024px){
  .gp-grid{grid-template-columns:1fr 1fr}
  .case-grid{grid-template-columns:1fr 1fr}
  .gp-head{align-items:flex-start;flex-direction:column}
  .hero-in{grid-template-columns:1fr;gap:28px}
  .hero-trust{grid-template-columns:repeat(2,1fr)}
  .two-col,.erreur-grid{grid-template-columns:1fr 1fr}
  .three-col{grid-template-columns:1fr 1fr}
  .fcta-box{grid-template-columns:1fr;gap:24px;padding:36px 24px}
  .fa{flex-direction:row;flex-wrap:wrap}
  .sec{padding:56px 24px}
  .cta-mid{flex-direction:column;align-items:flex-start;gap:14px}
}
@media(max-width:768px){
  .case-grid{grid-template-columns:1fr}
  .gp-grid{grid-template-columns:1fr}
  .two-col,.erreur-grid,.three-col{grid-template-columns:1fr}
  .hero-trust{grid-template-columns:1fr 1fr}
  .fa{flex-direction:column}
  .fa .btn-gold,.fa .tel-link{width:100%;justify-content:center}
  .service-cta-btns{flex-direction:column;align-items:flex-start}
  .btn-acc{width:100%;justify-content:center}
}
@media(max-width:640px){
  .gp-in{padding:24px 16px}
  .dt{min-width:560px}
  .sec{padding:44px 16px}
  .hero{padding:40px 16px 0}
  .hero h1{font-size:clamp(24px,7vw,34px)}
  .hero-trust{grid-template-columns:1fr 1fr}
  .hti{font-size:11.5px;padding:10px 12px}
  .toc-inner{padding:0 12px}
  .toc-link{padding:10px 9px;font-size:11px}
  .ai-in{padding:22px 14px}
  .ai-in p{font-size:14.5px;line-height:1.7}
  .fcta-box{padding:24px 16px;border-radius:8px}
  .wrap{padding:0 16px}
  .hero-btns{flex-direction:column;align-items:stretch}
  .hero-btns .btn-gold{justify-content:center}
  .sticky-msg{display:none}
  .faq-btn{padding:16px 18px}
  .faq-q{font-size:14px}
  .faq-ans{padding:0 18px}
  .faq-item.open .faq-ans{padding-bottom:16px}
  .acc-hd{padding:16px 18px;gap:10px}
  .acc-num{width:36px;height:36px;font-size:14px}
  .acc-ttl h3{font-size:14px}
  .acc-inner{padding:0 18px 20px}
  .service-cta-box{padding:22px 18px}
  .cta-mid{padding:18px}
}
@media(max-width:420px){
  .hero-trust{grid-template-columns:1fr}
  .hti{border-right:none;border-bottom:1px solid rgba(201,168,76,.07)}
  .sec{padding:36px 14px}
}