:root{--navy:#062739;--gold:#c6b560;--red:#a40000;--offwhite:#faf9f5;--cream:#f1f0e9;--ink:#173746;--muted:#526572;--line:#e3e5e2}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;line-height:1.68;color:var(--ink);background:#fff}a{color:inherit}img{max-width:100%;height:auto}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.17;font-weight:400}h1{font-size:clamp(35.1px,4.725vw,63.9px);letter-spacing:-.025em;margin:0 0 22px}h2{font-size:clamp(26.1px,2.79vw,38.7px);margin:0 0 18px}h3{font-size:clamp(19.8px,2.16vw,26.1px);margin:0 0 13px}p{margin:0 0 17px}.skip{position:absolute;left:-9999px;top:10px;background:#fff;padding:10px;z-index:99}.skip:focus{left:15px}.site-header{position:sticky;top:0;background:white;z-index:100;border-bottom:2px solid var(--gold);box-shadow:0 4px 20px rgba(2,30,45,.055)}.header-inner{max-width:1320px;padding:6px 22px;display:flex;align-items:center;justify-content:space-between;gap:25px;margin:0 auto}.logo-header{display:block;line-height:0;min-width:175px}.logo-header img{width:195px;display:block}.main-nav{display:flex;align-items:center;gap:23px}.main-nav a{text-decoration:none;white-space:nowrap;font-size:14px;font-weight:600}.nav-group{display:flex;align-items:center;position:relative;gap:3px;padding:17px 0}.nav-group.active>.nav-parent,.main-nav a.active{color:#917c39}.nav-parent:hover,.main-nav a:hover{color:#a40000}.nav-expand{background:transparent;border:0;font-size:21px;color:var(--navy);cursor:pointer;line-height:1;padding:4px}.subnav{display:none;position:absolute;top:100%;left:-19px;min-width:245px;padding:11px;box-shadow:0 18px 38px rgba(3,27,40,.16);border:1px solid #eae8de;background:white}.nav-group:hover>.subnav,.nav-group:focus-within>.subnav,.nav-group.is-open>.subnav{display:grid}.subnav a{padding:12px 14px;font-weight:500;font-size:14px}.subnav a:hover{background:var(--offwhite)}.nav-contact{background:var(--navy);color:white;padding:10px 15px}.nav-contact:hover{background:#124154;color:white!important}.nav-secondary{color:var(--muted)}.mobile-nav-toggle{display:none}.hero{color:white;background:linear-gradient(112deg,#062739 4%,#0d3141 70%,#143a49 100%);overflow:hidden;position:relative}.hero:after{content:'';position:absolute;right:-130px;top:-240px;width:520px;height:520px;border:1px solid #c6b56040;transform:rotate(37deg)}.hero-inner{max-width:1220px;padding:90px 25px 100px;margin:auto;display:grid;grid-template-columns:3fr 1fr;align-items:center;gap:65px;position:relative;z-index:1}.hero-copy{max-width:880px}.kicker{font-size:12px;font-weight:700;letter-spacing:.18em;color:var(--gold);text-transform:uppercase;margin-bottom:20px}.hero-lead{font-size:19px;max-width:690px;color:#e0e8e9;line-height:1.68}.hero-actions{display:flex;gap:13px;align-items:center;flex-wrap:wrap;margin-top:33px}.btn{display:inline-flex;align-items:center;gap:16px;text-align:center;justify-content:center;text-decoration:none;font:700 13px Arial,Helvetica,sans-serif;letter-spacing:.025em;border:1px solid transparent;padding:16px 21px;cursor:pointer;transition:background .18s,transform .18s}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}.btn-outline{border-color:#819ba1;color:#fff;background:transparent}.btn-dark{background:var(--navy);color:#fff}.hero-aside{position:relative;min-height:240px;border-left:1px solid #ffffff20;display:flex;align-items:center;padding-left:48px}.hero-aside-text{font:italic 27px Georgia,serif;line-height:1.5;color:#d8c779}.roof-line{position:absolute;top:22px;right:-14px;width:175px;height:2px;background:var(--gold);transform:rotate(-26deg)}.main-content{max-width:1180px;margin:auto;padding:82px 24px 110px}.section-wrap{margin:0 0 90px}.section-head{max-width:840px;margin-bottom:35px}.section-head>p:not(.kicker){font-size:17px;color:var(--muted)}.universe-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}.universe-card{background:var(--offwhite);border:1px solid #e9e8e2;display:flex;flex-direction:column;padding:38px 30px;min-height:390px}.universe-card>span{color:var(--red);font-size:12px;font-weight:700;letter-spacing:.13em}.universe-card h3{font-size:30.6px;margin:35px 0 14px}.universe-card h3 a{text-decoration:none}.universe-card p{color:var(--muted);flex:1}.universe-links{border-top:1px solid #d9dbd6;padding-top:17px;display:grid;gap:12px}.universe-links a,.service-pair a{font-weight:700;text-decoration:none;color:#8c793a;font-size:14px}.universe-links a:hover,.service-pair a:hover{text-decoration:underline}.split-section,.editorial-block{display:grid;grid-template-columns:.92fr 1fr;gap:70px;align-items:start;padding:55px 0;border-top:1px solid var(--line)}.check-list{display:grid;gap:16px}.check-list p{padding:0 0 14px 19px;border-left:2px solid var(--gold);margin:0;color:var(--muted)}.check-list strong{color:var(--ink)}.feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:20px 0 80px}.feature-card{border:1px solid var(--line);padding:32px 27px;background:white}.feature-index{font-size:12px;font-weight:700;letter-spacing:.16em;color:var(--red)}.feature-card h3{margin-top:28px}.feature-card p{color:var(--muted)}.feature-card .subpoint{font-size:14px;color:#866f36;border-left:2px solid var(--gold);padding-left:11px}.service-pair{display:grid;grid-template-columns:repeat(2,1fr);gap:21px;margin-bottom:65px}.service-pair article{padding:40px 38px;background:var(--offwhite);border-top:4px solid var(--gold)}.service-pair h2{font-size:33.3px}.service-pair p:not(.kicker){color:var(--muted)}.service-pair a{display:inline-block;margin-top:18px}.example-box{background:var(--navy);color:#fff;padding:47px 55px;margin:35px 0 80px;position:relative}.example-mark{display:inline-block;background:var(--gold);color:var(--navy);font:700 11px Arial;padding:7px 11px;letter-spacing:.12em;position:absolute;right:34px;top:0}.example-box h3{max-width:790px;font-size:31.5px;margin:0 0 20px}.example-box>div:not(.example-mark){font-size:17px;max-width:850px;color:#e6eaeb}.example-box .example-note{font-size:12px;color:#becdcf;border-top:1px solid #ffffff30;padding-top:17px;margin-top:24px}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:80px}.steps-grid article{padding:32px 25px;border-top:2px solid var(--gold);background:var(--offwhite)}.step-count{color:var(--red);font:700 13px Arial}.steps-grid h3{margin-top:23px}.steps-grid p{color:var(--muted)}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:15px}.comparison>div{background:var(--offwhite);border:1px solid var(--line);padding:26px}.comparison p{color:var(--muted)}.faq-section{margin:75px 0}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:25px;padding:22px 0;font-weight:700}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{font-size:25px;color:#8c793a}.faq-answer{max-width:850px;color:var(--muted);padding:0 0 13px}.cta-band{background:var(--cream);border-left:4px solid var(--gold);padding:48px 55px;display:flex;justify-content:space-between;align-items:center;gap:40px;margin:80px 0 0}.cta-band h2{max-width:620px}.cta-band p:not(.kicker){color:var(--muted);max-width:680px}.cta-band .btn{flex-shrink:0}.source-note{font-size:13px;color:var(--muted);margin:0 0 30px}.source-note a{color:#78642d}.site-footer{background:var(--navy);color:#c8d5da}.footer-inner{max-width:1200px;padding:55px 24px 30px;margin:auto;display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:65px}.footer-brand img{display:block;width:245px;height:140px;object-fit:cover;object-position:center}.footer-brand p{font-size:14px;max-width:320px}.footer-col{display:grid;align-content:start;gap:9px}.footer-col h3{font:700 13px Arial;color:var(--gold);margin:10px 0 4px}.footer-col a{font-size:13px;text-decoration:none}.footer-col a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #ffffff20;max-width:1200px;margin:auto;padding:22px 24px 32px;display:flex;justify-content:space-between;gap:20px;font-size:12px}.footer-bottom a{margin-left:18px}.contact-section{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px}.contact-info{border-top:1px solid var(--line);margin-top:30px;padding-top:25px}.contact-info a{font-weight:700}.contact-note{color:var(--muted);font-size:14px}.lead-form{background:var(--offwhite);padding:37px;display:grid;gap:12px;border-top:3px solid var(--gold)}.lead-form h2{font-size:26.1px}.lead-form label{font-size:13px;font-weight:700}.lead-form input,.lead-form select,.lead-form textarea{display:block;width:100%;background:white;border:1px solid #cbd3d3;font:15px Arial;padding:14px;line-height:1.4;border-radius:0}.lead-form .consent{display:flex;gap:12px;font-weight:400;line-height:1.45}.lead-form .consent input{width:18px;height:18px;flex-shrink:0}.helper{font-size:12px;color:#526572}.legal{max-width:850px}.legal h2{font-size:25.2px;margin-top:38px}.legal p{color:var(--muted)}@media(max-width:1110px){.main-nav{gap:13px}.main-nav a{font-size:12px}.header-inner{gap:8px}.logo-header img{width:168px}.hero-inner{grid-template-columns:1fr}.hero-aside{display:none}}@media(max-width:850px){.header-inner{min-height:83px;position:relative}.logo-header img{width:167px}.mobile-nav-toggle{display:flex;border:0;background:transparent;flex-direction:column;gap:5px;padding:12px;cursor:pointer}.mobile-nav-toggle span{width:26px;height:2px;background:var(--navy)}.main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:2px solid var(--gold);box-shadow:0 17px 25px #06273920;padding:14px 22px 25px;flex-direction:column;align-items:stretch;gap:0;max-height:calc(100vh - 85px);overflow-y:auto}.main-nav.is-open{display:flex}.main-nav>a,.nav-group{padding:14px 3px;border-bottom:1px solid var(--line)}.nav-group{display:grid;grid-template-columns:1fr auto}.nav-group>.subnav{display:none;position:static;box-shadow:none;border:0;padding:5px 10px;background:var(--offwhite);grid-column:1/-1}.nav-group.is-open>.subnav{display:grid}.nav-group:hover>.subnav:not(.unused){display:none}.nav-group.is-open:hover>.subnav{display:grid}.nav-group .nav-expand{padding:4px 14px}.nav-contact{align-self:stretch;text-align:center;margin-top:15px}.hero-inner{padding:70px 22px}.hero-lead{font-size:17px}.main-content{padding:58px 22px 80px}.universe-grid,.feature-grid,.steps-grid{grid-template-columns:1fr}.universe-card{min-height:unset}.split-section,.editorial-block,.contact-section{grid-template-columns:1fr;gap:24px}.service-pair{grid-template-columns:1fr}.cta-band{flex-direction:column;align-items:flex-start;padding:34px 28px}.example-box{padding:42px 28px}.example-mark{right:18px}.comparison{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr 1fr;gap:28px}.footer-brand{grid-column:1/-1}.footer-bottom{flex-direction:column}.footer-bottom a{margin-left:0;margin-right:18px}}@media(max-width:480px){.hero-inner{padding:55px 22px 66px}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .btn{width:100%}.universe-card{padding:30px 25px}.service-pair article{padding:30px 25px}.lead-form{padding:25px}.footer-inner{grid-template-columns:1fr}.footer-brand{grid-column:auto}.kicker{font-size:11px}.example-box h3{font-size:26.1px}}
/* Investissement locatif: nested navigation & educational pages */
.nav-property>.subnav{min-width:258px}
.subnav-nested{display:grid;grid-template-columns:1fr auto;position:relative;align-items:center;margin:2px -2px 0;border-top:1px solid var(--line)}
.subnav-nested>.nested-parent{font-size:14px;font-weight:700;padding:13px 16px}
.nested-expand{border:0;background:transparent;color:var(--navy);font-size:18px;cursor:pointer;padding:11px}
.nested-menu{display:none;position:absolute;left:100%;top:-1px;background:white;width:246px;padding:10px;box-shadow:0 14px 32px rgba(3,27,40,.16);border:1px solid var(--line);z-index:20}
.subnav-nested:hover>.nested-menu,.subnav-nested:focus-within>.nested-menu,.subnav-nested.is-open>.nested-menu{display:grid}
.nested-menu a{display:block;padding:10px 13px;font-weight:500;font-size:13px;white-space:normal}
.nested-menu a:hover{background:var(--offwhite)}
.breadcrumb{display:flex;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:13px;margin:-36px 0 57px}
.breadcrumb a{color:var(--navy)}
.investment-grid{grid-template-columns:repeat(3,minmax(0,1fr));margin-bottom:25px}
.investment-card{display:flex;flex-direction:column}
.investment-card p{flex:1}
.investment-mini{font-size:13px;color:var(--navy)!important;border-left:2px solid var(--gold);padding-left:12px}
.text-link{font-weight:700;color:#897336;font-size:14px;text-decoration:none;border-top:1px solid var(--line);padding-top:17px}
.explain-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:25px 0 78px}
.explain-tile{border-top:2px solid var(--gold);padding:25px;background:var(--offwhite)}
.explain-tile p{font-size:15px;color:var(--muted);margin:17px 0 0}
.scenario{margin:70px 0;background:#f5f5f0;border-top:4px solid var(--gold);padding:48px 48px 52px}
.scenario-head{max-width:890px;margin-bottom:32px}
.scenario-head p:not(.kicker){color:var(--muted)}
.scenario-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:35px}
.scenario-figures{background:white;border:1px solid var(--line);padding:12px 25px}
.metric-row{display:flex;justify-content:space-between;gap:22px;border-bottom:1px solid var(--line);padding:15px 0;font-size:15px;align-items:flex-start}
.metric-row:last-child{border-bottom:0}
.metric-row span{color:var(--muted)}
.metric-row strong{text-align:right;white-space:nowrap;font-weight:700;color:var(--navy)}
.scenario-aside{background:var(--navy);color:white;padding:32px;align-self:stretch}
.scenario-aside h3{font-size:26.1px}
.scenario-aside p:not(.kicker){font-size:15px;color:#e1e9ea}
.scenario-warning{border-top:1px solid #ffffff45;padding-top:20px;margin-top:22px!important;font-size:13px!important}
.investment-related{margin:60px 0 35px}
.investment-related h2{font-size:27px}
.investment-related>div{display:flex;gap:12px;flex-wrap:wrap}
.investment-related a{display:inline-block;border:1px solid var(--line);padding:12px 15px;text-decoration:none;font-size:13px;color:#8b7538;font-weight:700}
.investment-related a:hover{background:var(--offwhite)}
.footer-col a{white-space:normal}
@media(max-width:850px){.nav-property>.subnav{width:100%}.subnav-nested{grid-column:1/-1}.nested-menu{position:static;grid-column:1/-1;box-shadow:none;width:100%;border:0;background:#f4f2e9;padding:4px 7px}.subnav-nested:hover>.nested-menu:not(.useless),.subnav-nested:focus-within>.nested-menu:not(.useless){display:none}.subnav-nested.is-open>.nested-menu,.subnav-nested.is-open:hover>.nested-menu,.subnav-nested.is-open:focus-within>.nested-menu{display:grid}.investment-grid,.explain-grid,.scenario-layout{grid-template-columns:1fr}.scenario{padding:30px 22px}.scenario-figures{padding:9px 15px}.scenario-aside{padding:26px}.breadcrumb{margin:-15px 0 40px}}
@media(max-width:480px){.metric-row{font-size:13px}.metric-row strong{white-space:normal;max-width:45%}}

/* Patrimoscope accessible depuis toutes les pages, sans masquer la navigation */
.lp-patrimo-global[hidden],.lp-patrimo-global-info[hidden]{display:none!important}
.lp-patrimo-global{position:fixed;top:96px;left:24px;z-index:450;display:flex;flex-direction:column;width:min(365px,calc(100vw - 32px));max-height:calc(100dvh - 110px);overflow-y:auto;overscroll-behavior:contain;background:#062739;color:#fff;border:1px solid #c6b560;border-radius:15px;box-shadow:0 14px 38px rgba(6,39,57,.26)}
.lp-patrimo-global:not(.is-expanded){width:auto;max-width:calc(100vw - 32px);border-radius:999px;overflow:visible}
.lp-patrimo-global-toggle{display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;border:0;background:transparent;color:#fff;padding:13px 17px;cursor:pointer;text-align:left;font:700 14px/1.3 Arial,Helvetica,sans-serif}
.lp-patrimo-global-symbol{font-size:19px;color:#c6b560;line-height:1}
.lp-patrimo-global-label{white-space:nowrap}
.lp-patrimo-global-action{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border:1px solid #c6b560;border-radius:50%;font-size:19px;font-weight:400;color:#c6b560;line-height:1}
.lp-patrimo-global.has-selections:not(.is-expanded) .lp-patrimo-global-symbol{color:#f1dd86}
.lp-patrimo-global-info{padding:0 19px 19px}
.lp-patrimo-global-info strong{display:block;margin:5px 0 9px;font-size:16px;line-height:1.4}
.lp-patrimo-global-info p{margin:0 0 15px;font-size:13px;line-height:1.55;color:#e0e9ec}
.lp-patrimo-global-link{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 14px;border-radius:6px;background:#c6b560;color:#062739!important;text-decoration:none;font-size:13px;font-weight:750;line-height:1.35}
.lp-patrimo-global-link:hover{background:#e0cc77}
.lp-patrimo-global-toggle:focus-visible,.lp-patrimo-global-link:focus-visible{outline:3px solid #e0cc77;outline-offset:-3px}
@media(max-width:600px){.lp-patrimo-global{left:12px;top:max(82px,env(safe-area-inset-top));max-width:calc(100vw - 24px);max-height:calc(100dvh - 100px)}.lp-patrimo-global-toggle{padding:12px 15px}}