diff --git a/access_groups.tf b/access_groups.tf
index 2aff5a4..889a86f 100644
--- a/access_groups.tf
+++ b/access_groups.tf
@@ -2,16 +2,60 @@
 # CLOUDFLARE : Access : Groups
 # =============================================================================
 
-#
-#resource "cloudflare_zero_trust_access_policy" "allow_policie" {
-#  account_id       = local.cloudflare_account_id
-#  name             = "Allow"
-#  decision         = "allow"
-#  session_duration = "24h"
-#
-#  include = [{
-#    group = {
-#        id = cloudflare_zero_trust_access_group.default_groups.id
-#    }
-#  }]
-#}
\ No newline at end of file
+locals {
+  # SAML groups from Okta
+  saml_groups = {
+    contractors          = var.okta_contractors_saml_group_name
+    infrastructure_admin = var.okta_infra_admin_saml_group_name
+    sales_engineering    = var.okta_sales_eng_saml_group_name
+    sales                = var.okta_sales_saml_group_name
+    it_admin             = var.okta_itadmin_saml_group_name
+  }
+
+  # Allowed countries
+  allowed_countries = ["FR", "DE", "US", "GB"]
+  blocked_countries = ["CN", "RU", "AF", "BY", "CD", "CU", "IR", "IQ", "KP", "MM", "SD", "SY", "UA", "ZW"]
+
+  # OS posture checks
+  os_posture_checks = [
+    var.cf_linux_posture_id,
+    var.cf_macos_posture_id,
+    var.cf_windows_posture_id
+  ]
+}
+
+# SAML Rule Groups
+resource "cloudflare_zero_trust_access_group" "saml_groups" {
+  for_each   = local.saml_groups
+  account_id = local.cloudflare_account_id
+  name       = each.value
+
+  include = [{
+    saml = {
+      identity_provider_id = var.cf_okta_identity_provider_id
+      attribute_name       = "groups"
+      attribute_value      = each.value
+    }
+  }]
+}
+
+# Geographic Rule Groups
+resource "cloudflare_zero_trust_access_group" "country_requirements_rule_group" {
+  account_id = local.cloudflare_account_id
+  name       = "Country Requirements"
+
+  include = [
+    for country in local.allowed_countries : {
+      geo = {
+        country_code = country
+      }
+    }
+  ]
+  exclude = [
+    for country in local.blocked_countries : {
+      geo = {
+        country_code = country
+      }
+    }
+  ]
+}
\ No newline at end of file