:root{
  --cf-navy:#0F2340;
  --cf-navy-mid:#1A3A5C;
  --cf-navy-light:#234870;
  --cf-gold:#C9A84C;
  --cf-gold-light:#E2C97A;
  --cf-gold-soft:rgba(201,168,76,.12);
  --cf-gold-border:rgba(201,168,76,.24);
  --cf-cream:#F5F1EA;
  --cf-cream-dark:#EDE8DF;
  --cf-white:#fff;
  --cf-text:#3D4F63;
  --cf-muted:#7B8794;
  --cf-border:rgba(15,35,64,.09);
  --cf-shadow:0 16px 42px rgba(15,35,64,.08);
  --cf-radius:18px;
  --cf-green:#22c55e;
  --cf-red:#ef4444;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--cf-cream);color:var(--cf-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}
.cf-page{background:var(--cf-cream);overflow:hidden}

.cf-section{padding:76px 24px}
.cf-white{background:#fff}
.cf-cream{background:var(--cf-cream)}
.cf-cream-dark{background:var(--cf-cream-dark)}
.cf-navy{background:var(--cf-navy)}
.cf-kicker{display:inline-block;color:var(--cf-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.cf-section-head{max-width:860px;margin-bottom:36px}

.cf-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--cf-navy)}
.cf-section-head p{margin:0;color:var(--cf-text);font-size:15.5px;line-height:1.76}
.cf-light h2,.cf-light p{color:#fff!important}
.cf-light p{color:rgba(255,255,255,.88)!important}

.cf-btn{background:var(--cf-gold);color:var(--cf-navy)}
.cf-btn:hover{background:var(--cf-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.cf-btn-outline{color:var(--cf-gold);border:1px solid var(--cf-gold-border);background:rgba(201,168,76,.08)}
.cf-btn-outline:hover{border-color:var(--cf-gold);background:rgba(201,168,76,.16)}
.cf-btn-ghost{color:rgba(232,238,245,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.28);border-radius:0}
.cf-btn-ghost:hover{color:var(--cf-gold)}
.cf-sticky{
  position:fixed;bottom:0;left:0;right:0;z-index:800;
  background:rgba(15,35,64,.96);
  backdrop-filter:blur(10px);
  border-top:2px solid var(--cf-gold);
  padding:10px 20px;
  display:flex;align-items:center;justify-content:center;gap:14px;
  box-shadow:0 -4px 24px rgba(0,0,0,.30);
  transform:translateY(100%);
  transition:transform .3s ease
}
.cf-sticky.on{transform:translateY(0)}
.cf-sticky span{color:rgba(232,238,245,.9);font-size:12.5px}
.cf-sticky span strong{color:#fff}
.cf-sticky .cf-btn{min-height:40px;padding:10px 20px;font-size:14px}
.cf-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:var(--cf-muted);font-size:22px;line-height:1;cursor:pointer}
.cf-hero{background:var(--cf-navy);position:relative;overflow:hidden;padding:66px 24px 0}
.cf-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(201,168,76,.10) 0%,transparent 66%)}
.cf-hero:after{content:"§";position:absolute;right:58px;bottom:12px;font-family:'Playfair Display',serif;font-size:210px;color:rgba(201,168,76,.035);line-height:1;pointer-events:none}
.cf-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 420px;gap:52px;position:relative;z-index:2;align-items:start}
.cf-badge{display:inline-flex;align-items:center;gap:8px;background:var(--cf-gold-soft);border:1px solid var(--cf-gold-border);color:var(--cf-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.cf-dot{width:7px;height:7px;border-radius:50%;background:var(--cf-gold)}
.cf-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,52px);line-height:1.07;margin:0 0 16px}
.cf-hero h1 em{font-style:normal;color:var(--cf-gold)}
.cf-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:720px;font-weight:700;border-left:3px solid var(--cf-gold);padding-left:16px}
.cf-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:700px}

.cf-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin-bottom:30px;max-width:720px}
.cf-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.cf-check:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--cf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.cf-hero-card{background:var(--cf-navy-mid);border:1px solid var(--cf-gold-border);border-radius:var(--cf-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.14)}
.cf-hero-card-head{padding:17px 20px;background:linear-gradient(135deg,var(--cf-gold),var(--cf-gold-light));font-weight:900;color:var(--cf-navy)}
.cf-hero-card-head span{display:block;font-size:12px;color:rgba(15,35,64,.70);font-weight:700;margin-top:2px}
.cf-hero-card-body{padding:20px}
.cf-mini-table{width:100%;border-collapse:collapse;font-size:13px;overflow:hidden;border-radius:12px}
.cf-mini-table tr{border-bottom:1px solid rgba(201,168,76,.14)}
.cf-mini-table tr:last-child{border-bottom:none}
.cf-mini-table td{padding:12px 8px;color:#D4DCE5;vertical-align:top}
.cf-mini-table td:last-child{text-align:right;color:var(--cf-gold);font-weight:800}
.cf-card-cta{display:block;background:var(--cf-gold);color:var(--cf-navy);text-align:center;padding:14px 18px;font-weight:900;text-decoration:none}
.cf-card-note{padding:11px 18px 15px;color:#9BADB8;font-size:11.5px;text-align:center}
.cf-trust{max-width:1160px;margin:42px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.10);position:relative;z-index:2}
.cf-trust div{padding:14px 15px;color:#9BADB8;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}
.cf-trust div:last-child{border-right:0}
.cf-toc{background:#fff;border-bottom:1px solid var(--cf-border);overflow-x:auto}
.cf-toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.cf-toc a{display:inline-block;padding:12px 14px;color:var(--cf-muted);font-size:12px;font-weight:900;text-decoration:none;border-bottom:2px solid transparent}
.cf-toc a:hover,.cf-toc .active{color:var(--cf-navy);background:var(--cf-gold-soft);border-color:var(--cf-gold)}



.cf-card,.cf-service,.cf-risk,.cf-axis,.cf-faq,.cf-related,.cf-step{
  background:#fff;border:1px solid var(--cf-border);border-radius:var(--cf-radius);
  padding:22px;box-shadow:0 2px 12px rgba(15,35,64,.05)
}
.cf-card h3,.cf-service h3,.cf-risk h3,.cf-axis h3,.cf-faq h3,.cf-related h3,.cf-step h3{
  font-size:15.5px;color:var(--cf-navy);margin:0 0 8px;line-height:1.32
}
.cf-card p,.cf-service p,.cf-risk p,.cf-axis p,.cf-faq p,.cf-related p,.cf-step p{
  margin:0;color:var(--cf-text);font-size:13.5px;line-height:1.68
}
.cf-num{display:inline-block;margin-bottom:12px;color:var(--cf-gold);font-family:'Playfair Display',serif;font-size:28px;font-weight:700;line-height:1}
.cf-split{display:grid;grid-template-columns:1fr 420px;gap:40px;align-items:start}
.cf-dark-card{background:var(--cf-navy-mid);border:1px solid var(--cf-gold-border);border-radius:var(--cf-radius);padding:28px;box-shadow:0 18px 46px rgba(0,0,0,.12)}
.cf-dark-card h3{font-family:'Playfair Display',serif;color:#fff;font-size:24px;line-height:1.18;margin:0 0 12px}
.cf-dark-card p{color:rgba(232,238,245,.86);font-size:14px;line-height:1.75;margin:0 0 18px}
.cf-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.cf-list li{display:flex;gap:10px;color:rgba(232,238,245,.88);font-size:14px;line-height:1.6}
.cf-list li:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.14);color:var(--cf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:2px}
.cf-alert{border-left:4px solid var(--cf-gold);border-radius:0 var(--cf-radius) var(--cf-radius) 0;background:rgba(201,168,76,.09);padding:18px 22px;margin:24px 0}
.cf-alert strong{display:block;color:var(--cf-navy);font-size:14px;margin-bottom:5px}
.cf-alert p{margin:0;color:var(--cf-text);font-size:13.5px;line-height:1.68}
.cf-service{position:relative;overflow:hidden}
.cf-service:before{content:"";position:absolute;right:-45px;top:-45px;width:130px;height:130px;background:radial-gradient(circle,rgba(201,168,76,.10),transparent 70%)}
.cf-service h3,.cf-service p,.cf-service span,.cf-service ul{position:relative;z-index:1}
.cf-service ul{margin:14px 0 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:7px}
.cf-service li{font-size:12.5px;color:var(--cf-text);line-height:1.45}
.cf-service li:before{content:"•";color:var(--cf-gold);font-weight:900;margin-right:7px}
.cf-axis{border:1px solid rgba(201,168,76,.26)}
.cf-axis h3{font-size:16px;font-weight:800}
.cf-axis .cf-impact{margin-top:14px;padding:12px;border-radius:12px;background:var(--cf-gold-soft);color:var(--cf-navy);font-size:12.5px;line-height:1.5;font-weight:700}
.cf-risk{border-top:3px solid rgba(239,68,68,.35)}
.cf-risk span{color:var(--cf-red)}
.cf-risk strong{display:block;color:var(--cf-navy);font-size:13px;margin-top:12px}
.cf-geo-box{background:var(--cf-navy);border:1px solid var(--cf-gold-border);border-radius:var(--cf-radius);padding:34px}
.cf-geo-box h2{font-family:'Playfair Display',serif;color:#fff;font-size:30px;line-height:1.16;margin:0 0 14px}
.cf-geo-box p,.cf-geo-box li{color:rgba(232,238,245,.86);font-size:14px;line-height:1.7}
.cf-geo-box a{color:var(--cf-gold);font-weight:900;text-decoration:none}
.cf-geo-box a:hover{text-decoration:underline}
.cf-related a{display:inline-flex;margin-top:14px;color:var(--cf-gold);font-weight:900;font-size:13px;text-decoration:none}
.cf-related a:hover{text-decoration:underline}
.cf-compare-fiduciaire{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:2px;
  background:var(--cf-gold-border);
  border-radius:var(--cf-radius);
  overflow:hidden;
}
.cf-compare-col{
  background:#fff;
  padding:28px;
}
.cf-compare-col.dark{
  background:var(--cf-navy);
}
.cf-compare-col h3{
  font-family:'Playfair Display',serif;
  font-size:24px;
  line-height:1.18;
  margin:0 0 14px;
  color:var(--cf-navy);
}
.cf-compare-col.dark h3{
  color:#fff;
}
.cf-compare-col p,
.cf-compare-col li{
  color:var(--cf-text);
  font-size:14px;
  line-height:1.7;
}
.cf-compare-col.dark p,
.cf-compare-col.dark li{
  color:rgba(232,238,245,.88);
}
.cf-compare-col ul{
  list-style:none;
  margin:18px 0 0;
  padding:0;
  display:flex;
  flex-direction:column;
  gap:10px;
}
.cf-compare-col li:before{
  content:"✓";
  color:var(--cf-gold);
  font-weight:900;
  margin-right:8px;
}
.cf-price-note{
  background:#fff;
  border:1px solid var(--cf-border);
  border-radius:var(--cf-radius);
  padding:28px;
  box-shadow:var(--cf-shadow);
}
.cf-price-note h3{
  font-family:'Playfair Display',serif;
  font-size:26px;
  margin:0 0 12px;
  color:var(--cf-navy);
}
.cf-price-note p{
  margin:0;
  color:var(--cf-text);
  font-size:14.5px;
  line-height:1.75;
}
.cf-price-note strong{
  color:var(--cf-navy);
}
.cf-contact-section{background:var(--cf-cream-dark);padding:82px 24px}
.cf-contact-wrap{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 430px;gap:28px;align-items:stretch}
.cf-contact-left{background:var(--cf-navy);border-radius:var(--cf-radius);padding:34px;border:1px solid var(--cf-gold-border)}
.cf-contact-left h2{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(27px,3vw,40px);line-height:1.12;margin:0 0 14px}
.cf-contact-left h2 em{font-style:normal;color:var(--cf-gold)}
.cf-contact-left p{color:rgba(232,238,245,.86);font-size:15px;line-height:1.75;margin:0 0 20px}
.cf-contact-list{list-style:none;margin:0 0 24px;padding:0;display:flex;flex-direction:column;gap:10px}
.cf-contact-list li{display:flex;gap:10px;color:rgba(232,238,245,.9);font-size:13.5px;line-height:1.5}
.cf-contact-list li:before{content:"✓";color:var(--cf-gold);font-weight:900}
.cf-direct{border-top:1px solid rgba(201,168,76,.18);padding-top:20px;display:flex;flex-direction:column;gap:8px}
.cf-direct strong{color:#fff;font-size:14px}
.cf-direct a{color:var(--cf-gold);font-weight:800;text-decoration:none}
.cf-direct .whatsapp{color:#7ee787}
.cf-direct small{color:#9BADB8;font-size:12px;margin-top:4px}
.cf-contact-right{background:#fff;border-radius:var(--cf-radius);padding:28px;border:1px solid var(--cf-border);box-shadow:var(--cf-shadow)}
.cf-contact-right p{margin:0 0 18px;color:var(--cf-text);font-size:14px;line-height:1.65}
.cf-contact-right strong{color:var(--cf-navy)}
@media(max-width:980px){
  
  .cf-hero-card{max-width:560px}
  
  .cf-trust{grid-template-columns:1fr 1fr}
  .cf-trust div:nth-child(2){border-right:0}
}
@media(max-width:640px){
  .cf-section,.cf-contact-section{padding:54px 18px}
  .cf-wrap{padding:0}
  .cf-hero{padding:46px 18px 0}
  .cf-hero:after{display:none}
  
  
  .cf-trust div{border-right:0;border-bottom:1px solid rgba(201,168,76,.07)}
  .cf-trust div:last-child{border-bottom:0}
  .cf-sticky span{display:none}
  .cf-sticky{padding:9px 14px}
  .cf-sticky .cf-btn{width:100%;max-width:320px}
  .cf-contact-left,.cf-contact-right{padding:24px 18px}
}