/* bedrijfshypotheekvergelijker.nl — huisstijl op basis van Financieringsgilde */

@font-face { font-family: 'Montserrat'; src: url('../fonts/montserrat-var.woff2') format('woff2'); font-weight: 400 800; font-display: swap; }
@font-face { font-family: 'Zilla Slab'; src: url('../fonts/zillaslab-600.woff2') format('woff2'); font-weight: 600; font-display: swap; }
@font-face { font-family: 'Zilla Slab'; src: url('../fonts/zillaslab-700.woff2') format('woff2'); font-weight: 700; font-display: swap; }

:root {
  --navy: #304156;
  --navy-700: #26354a;
  --navy-900: #17222f;
  --blue: #42aac7;
  --blue-600: #2b8eab;
  --blue-700: #1f7590;
  --blue-50: #e8f5f9;
  --sand: #f9f4ef;
  --sand-200: #f1e8de;
  --sand-300: #e6d9ca;
  --ink: #121b26;
  --text: #2c3746;
  --muted: #5d6878;
  --line: #e6ded4;
  --white: #fff;
  --ok: #2e8b57;
  --danger: #b4423a;

  --font: 'Montserrat', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --slab: 'Zilla Slab', Georgia, serif;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(23, 34, 47, .06), 0 2px 8px rgba(23, 34, 47, .05);
  --shadow: 0 10px 30px -10px rgba(23, 34, 47, .22), 0 2px 6px rgba(23, 34, 47, .06);
  --shadow-lg: 0 30px 60px -20px rgba(23, 34, 47, .35);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --container: 1200px;
  --gutter: clamp(16px, 4vw, 32px);
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
fieldset { min-width: 0; }
.split > *, .grid > *, aside > * { min-width: 0; }
a[href^="mailto:"] { overflow-wrap: anywhere; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--font); font-size: 16.5px; line-height: 1.65; color: var(--text); background: var(--white); text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, svg { display: block; max-width: 100%; height: auto; }
a { color: var(--blue-700); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 6px; }
::selection { background: var(--blue); color: var(--white); }

.container { width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; }
.container--narrow { width: min(100% - 2 * var(--gutter), 780px); margin-inline: auto; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 16px; top: -60px; z-index: 200; background: var(--navy); color: var(--white); padding: 10px 16px; border-radius: 8px; font-weight: 700; transition: top .2s; }
.skip-link:focus { top: 12px; color: var(--white); }

/* ---------- Typografie ---------- */
h1, h2, h3, h4 { color: var(--navy); line-height: 1.12; margin: 0 0 .5em; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 1.4rem + 3.2vw, 3.9rem); text-transform: uppercase; letter-spacing: -.015em; }
h2 { font-size: clamp(1.7rem, 1.25rem + 1.9vw, 2.75rem); text-transform: uppercase; }
h3 { font-size: clamp(1.1rem, 1rem + .4vw, 1.3rem); }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1.1em; }
.accent { font-family: var(--slab); font-weight: 700; text-transform: none; color: var(--blue-600); letter-spacing: 0; font-size: 1.08em; }
.on-dark .accent, .accent--light { color: var(--blue); }
.eyebrow { display: block; font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--blue-700); margin-bottom: 18px; line-height: 1.5; }
.eyebrow::before { content: ''; display: inline-block; vertical-align: middle; width: 32px; height: 2px; margin: -2px 12px 0 0; background: currentColor; }
.on-dark .eyebrow { color: var(--blue); }
.lead { font-size: clamp(1.05rem, 1rem + .3vw, 1.22rem); color: var(--muted); max-width: 62ch; }
.on-dark { color: rgba(255, 255, 255, .82); }
.on-dark h1, .on-dark h2, .on-dark h3 { color: var(--white); }
.on-dark .lead { color: rgba(255, 255, 255, .78); }
.small { font-size: .875rem; }
.muted { color: var(--muted); }
.center { text-align: center; }
.center .lead { margin-inline: auto; }

/* ---------- Knoppen ---------- */
.btn { --bg: var(--navy); --fg: var(--white); display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 15px 26px; border-radius: 999px; border: 2px solid var(--bg); background: var(--bg); color: var(--fg); font-weight: 700; font-size: .95rem; letter-spacing: .02em; text-decoration: none; cursor: pointer; line-height: 1.2; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .2s, color .2s, border-color .2s; white-space: nowrap; }
.btn:hover { color: var(--fg); transform: translateY(-2px); box-shadow: var(--shadow); }
.btn:active { transform: translateY(0); }
.btn svg { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover svg.arrow { transform: translateX(4px); }
.btn--accent { --bg: var(--blue); --fg: var(--navy-900); }
.btn--accent:hover { --bg: #5bbad5; }
.btn--ghost { background: transparent; color: var(--navy); }
.btn--ghost:hover { background: var(--navy); color: var(--white); }
.on-dark .btn--ghost, .btn--ghost-light { --bg: rgba(255, 255, 255, .55); background: transparent; color: var(--white); }
.on-dark .btn--ghost:hover, .btn--ghost-light:hover { --bg: var(--white); background: var(--white); color: var(--navy); }
.btn--sm { padding: 10px 18px; font-size: .88rem; }
.btn--block { width: 100%; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy); text-decoration: none; }
.link-arrow svg { width: 16px; height: 16px; transition: transform .25s var(--ease); color: var(--blue-600); }
.link-arrow:hover svg { transform: translateX(4px); }

/* ---------- Header ---------- */
.topbar { background: var(--navy); color: rgba(255, 255, 255, .85); font-size: .82rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar a { color: inherit; text-decoration: none; }
.topbar a:hover { color: var(--white); }
.topbar__live { display: inline-flex; align-items: center; gap: 8px; }
.topbar__links { display: flex; gap: 22px; }
.pulse { width: 8px; height: 8px; border-radius: 50%; background: #5fd39a; box-shadow: 0 0 0 0 rgba(95, 211, 154, .7); animation: pulse 2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 8px rgba(95, 211, 154, 0); } 100% { box-shadow: 0 0 0 0 rgba(95, 211, 154, 0); } }

.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255, 255, 255, .92); backdrop-filter: saturate(1.4) blur(14px); -webkit-backdrop-filter: saturate(1.4) blur(14px); border-bottom: 1px solid transparent; transition: border-color .3s, box-shadow .3s; }
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 6px 24px -18px rgba(23, 34, 47, .5); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); flex-shrink: 0; }
.brand__mark { width: 40px; height: 40px; flex-shrink: 0; }
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font-weight: 800; font-size: 1.02rem; letter-spacing: .01em; text-transform: uppercase; }
.brand__name em { font-style: normal; font-family: var(--slab); font-weight: 700; text-transform: none; color: var(--blue-600); font-size: 1.12em; letter-spacing: 0; }
.brand__tag { font-size: .66rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-top: 5px; font-weight: 600; }
.on-dark .brand, .brand--light { color: var(--white); }
.brand--light .brand__tag { color: rgba(255, 255, 255, .6); }
.brand--light .brand__name em { color: var(--blue); }

.nav { display: flex; align-items: center; gap: 4px; }
.nav__list { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav__item { position: relative; }
.nav__link { display: inline-flex; align-items: center; gap: 6px; padding: 10px 12px; white-space: nowrap; color: var(--navy); font-weight: 600; font-size: .92rem; text-decoration: none; border-radius: 10px; background: none; border: 0; cursor: pointer; transition: background .2s, color .2s; }
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--blue-700); background: var(--blue-50); }
.nav__link svg { width: 14px; height: 14px; transition: transform .25s; }
.nav__item:hover > .nav__link svg, .nav__link[aria-expanded="true"] svg { transform: rotate(180deg); }
.dropdown { position: absolute; top: calc(100% + 10px); left: -12px; min-width: 300px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 10px; list-style: none; margin: 0; opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s; }
.dropdown::before { content: ''; position: absolute; inset: -12px 0 auto; height: 12px; }
.nav__item:hover .dropdown, .nav__item:focus-within .dropdown, .nav__link[aria-expanded="true"] + .dropdown { opacity: 1; visibility: visible; transform: none; }
.dropdown a { display: grid; gap: 2px; padding: 12px 14px; border-radius: 10px; text-decoration: none; color: var(--navy); font-weight: 700; font-size: .93rem; }
.dropdown a span { font-weight: 500; font-size: .8rem; color: var(--muted); }
.dropdown a:hover { background: var(--sand); }
.header-cta { display: flex; align-items: center; gap: 10px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy); text-decoration: none; font-size: .92rem; padding: 8px 10px; border-radius: 10px; white-space: nowrap; }
.header-phone:hover { background: var(--sand); color: var(--navy); }
.header-phone svg { width: 18px; height: 18px; color: var(--blue-600); }

.menu-toggle { display: none; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--line); background: var(--white); cursor: pointer; position: relative; }
.menu-toggle span { position: absolute; left: 12px; right: 12px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s, top .3s var(--ease); }
.menu-toggle span:nth-child(1) { top: 15px; }
.menu-toggle span:nth-child(2) { top: 22px; }
.menu-toggle span:nth-child(3) { top: 29px; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { top: 22px; transform: rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { top: 22px; transform: rotate(-45deg); }

.mobile-nav { position: fixed; inset: 0; z-index: 99; background: var(--navy-900); color: var(--white); padding: calc(var(--header-h) + 54px) var(--gutter) 32px; display: flex; flex-direction: column; gap: 28px; overflow-y: auto; opacity: 0; visibility: hidden; transform: translateY(-12px); transition: opacity .35s var(--ease), transform .35s var(--ease), visibility .35s; }
.mobile-nav.is-open { opacity: 1; visibility: visible; transform: none; }
.mobile-nav ul { list-style: none; margin: 0; padding: 0; }
.mobile-nav li { border-bottom: 1px solid rgba(255, 255, 255, .1); opacity: 0; transform: translateY(10px); transition: opacity .4s var(--ease), transform .4s var(--ease); }
.mobile-nav.is-open li { opacity: 1; transform: none; }
.mobile-nav.is-open li:nth-child(2) { transition-delay: .03s; } .mobile-nav.is-open li:nth-child(3) { transition-delay: .06s; } .mobile-nav.is-open li:nth-child(4) { transition-delay: .09s; } .mobile-nav.is-open li:nth-child(5) { transition-delay: .12s; } .mobile-nav.is-open li:nth-child(6) { transition-delay: .15s; } .mobile-nav.is-open li:nth-child(7) { transition-delay: .18s; } .mobile-nav.is-open li:nth-child(8) { transition-delay: .21s; } .mobile-nav.is-open li:nth-child(9) { transition-delay: .24s; }
.mobile-nav ul a { display: flex; justify-content: space-between; align-items: center; padding: 15px 0; color: var(--white); text-decoration: none; font-weight: 700; font-size: 1.15rem; }
.mobile-nav ul a:hover { color: var(--blue); }
.mobile-nav ul a svg { width: 20px; height: 20px; color: var(--blue); flex-shrink: 0; }
.mobile-nav__contact { display: grid; gap: 12px; margin-top: auto; }
.mobile-nav__contact .btn { width: 100%; }
body.menu-open { overflow: hidden; }
body.menu-open .site-header { background: var(--navy-900); border-color: transparent; }
body.menu-open .site-header .brand { color: var(--white); }
body.menu-open .site-header .brand__tag { color: rgba(255,255,255,.6); }
body.menu-open .menu-toggle { background: transparent; border-color: rgba(255,255,255,.25); }
body.menu-open .menu-toggle span { background: var(--white); }

/* ---------- Secties ---------- */
.section { padding-block: clamp(64px, 6vw + 30px, 120px); position: relative; }
.section--sand { background: var(--sand); }
.section--navy { background: var(--navy); }
.section--dark { background: var(--navy-900); }
.section--tight { padding-block: clamp(44px, 4vw + 20px, 72px); }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 32px; margin-bottom: clamp(32px, 4vw, 56px); flex-wrap: wrap; }
.section-head > div { max-width: 720px; }
.section-head h2 { margin-bottom: .3em; }
.section-head p:last-child { margin-bottom: 0; }

.grid { display: grid; gap: clamp(16px, 2vw, 28px); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 6vw, 88px); align-items: center; }
.split--rev > :first-child { order: 2; }
.split--form { grid-template-columns: 1.5fr .8fr; align-items: start; }

/* ---------- Hero ---------- */
.hero { position: relative; isolation: isolate; color: var(--white); background: var(--navy-900); overflow: hidden; }
.hero__media { position: absolute; inset: 0; z-index: -2; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.06); animation: heroZoom 18s var(--ease) forwards; }
@keyframes heroZoom { to { transform: scale(1); } }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(23, 34, 47, .96) 0%, rgba(30, 44, 61, .9) 38%, rgba(48, 65, 86, .55) 68%, rgba(48, 65, 86, .25) 100%), linear-gradient(0deg, rgba(23, 34, 47, .55), transparent 40%); }
.hero::after { content: ''; position: absolute; inset: 0; z-index: -1; background-image: radial-gradient(rgba(255,255,255,.07) 1px, transparent 1px); background-size: 22px 22px; mask-image: linear-gradient(90deg, #000 0%, transparent 60%); -webkit-mask-image: linear-gradient(90deg, #000 0%, transparent 60%); }
.hero .container { display: grid; grid-template-columns: 1.2fr .8fr; gap: clamp(32px, 5vw, 72px); align-items: center; padding-block: clamp(64px, 8vw, 120px) clamp(72px, 9vw, 132px); }
.hero h1 { color: var(--white); margin-bottom: .35em; }
.hero h1 .accent { color: var(--blue); display: inline-block; }
.hero .lead { color: rgba(255, 255, 255, .8); margin-bottom: 32px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 38px; padding: 0; list-style: none; font-size: .9rem; color: rgba(255, 255, 255, .78); }
.hero__trust li { display: inline-flex; align-items: center; gap: 8px; }
.hero__trust svg { width: 18px; height: 18px; color: var(--blue); }

.page-hero { position: relative; isolation: isolate; color: var(--white); background: var(--navy); overflow: hidden; }
.page-hero__media { position: absolute; inset: 0; z-index: -2; }
.page-hero__media img { width: 100%; height: 100%; object-fit: cover; }
.page-hero::before { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(23, 34, 47, .95) 0%, rgba(38, 53, 74, .86) 45%, rgba(48, 65, 86, .45) 100%); }
.page-hero .container { padding-block: clamp(56px, 7vw, 104px); }
.page-hero h1 { color: var(--white); max-width: 18ch; }
.page-hero h1 .accent { color: var(--blue); }
.page-hero .lead { color: rgba(255, 255, 255, .82); }
.page-hero--plain { background: var(--sand); color: var(--text); }
.page-hero--plain::before { display: none; }
.page-hero--plain h1 { color: var(--navy); }
.page-hero--plain h1 .accent { color: var(--blue-600); }
.page-hero--plain .lead { color: var(--muted); }
.breadcrumbs { font-size: .82rem; margin-bottom: 22px; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0; }
.breadcrumbs li + li::before { content: '/'; margin-right: 8px; opacity: .5; }
.breadcrumbs a { color: inherit; opacity: .8; text-decoration: none; }
.breadcrumbs a:hover { opacity: 1; text-decoration: underline; }
.page-hero:not(.page-hero--plain) .breadcrumbs { color: rgba(255, 255, 255, .85); }

/* ---------- Rentekaart (hero widget) ---------- */
.rate-card { position: relative; background: rgba(255, 255, 255, .97); color: var(--text); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-lg); }
.rate-card::before { content: ''; position: absolute; inset: -1px; border-radius: inherit; padding: 1px; background: linear-gradient(140deg, var(--blue), transparent 45%); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none; }
.rate-card__label { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.rate-card__live { display: inline-flex; align-items: center; gap: 7px; color: var(--ok); letter-spacing: .06em; }
.rate-card__value { display: flex; align-items: baseline; gap: 6px; margin: 10px 0 2px; color: var(--navy); }
.rate-card__value strong { font-size: clamp(3rem, 2.2rem + 3vw, 4.3rem); font-weight: 800; letter-spacing: -.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.rate-card__value span { font-size: 1.8rem; font-weight: 800; color: var(--blue-600); }
.rate-card__meta { font-size: .88rem; color: var(--muted); margin: 0 0 18px; min-height: 1.4em; }
.rate-card__meta b { color: var(--navy); }
.seg { display: flex; flex-wrap: wrap; gap: 6px; padding: 5px; background: var(--sand); border-radius: 12px; margin-bottom: 18px; }
.seg button { flex: 1 1 auto; border: 0; background: transparent; padding: 8px 10px; border-radius: 9px; font-weight: 700; font-size: .82rem; color: var(--muted); cursor: pointer; transition: background .2s, color .2s, box-shadow .2s; }
.seg button[aria-pressed="true"] { background: var(--white); color: var(--navy); box-shadow: var(--shadow-sm); }
.sparkline { width: 100%; height: 70px; margin-bottom: 8px; }
.sparkline path.line { fill: none; stroke: var(--blue-600); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.sparkline path.area { fill: url(#spark-grad); }
.rate-card__foot { display: flex; justify-content: space-between; font-size: .76rem; color: var(--muted); margin-bottom: 18px; }

/* ---------- Logo-band ---------- */
.logo-band { background: var(--white); border-bottom: 1px solid var(--line); padding-block: 26px; overflow: hidden; }
.logo-band__inner { display: flex; align-items: center; gap: 36px; }
.logo-band__label { flex-shrink: 0; font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); max-width: 150px; line-height: 1.4; }
.marquee { flex: 1; overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee__track { display: flex; align-items: center; gap: 56px; width: max-content; animation: marquee 45s linear infinite; }
.marquee:hover .marquee__track { animation-play-state: paused; }
.marquee img { height: 30px; width: auto; max-width: 130px; object-fit: contain; filter: grayscale(1) contrast(.9); opacity: .65; transition: filter .3s, opacity .3s; }
.marquee img:hover { filter: none; opacity: 1; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- Kaarten ---------- */
.card { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(22px, 2.4vw, 32px); transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card h3 { display: flex; align-items: center; gap: 12px; text-transform: uppercase; font-size: 1.02rem; letter-spacing: .02em; }
.card h3::before { content: ''; width: 22px; height: 2px; background: var(--blue); flex-shrink: 0; }
.card p:last-child { margin-bottom: 0; }
.card--sand { background: var(--sand); border-color: transparent; }
.section--sand .card { border-color: transparent; }
.card--link { text-decoration: none; color: inherit; display: flex; flex-direction: column; }
.card--link:hover { color: inherit; }
.card .link-arrow { margin-top: auto; padding-top: 14px; }

.step { position: relative; padding-top: 6px; }
.step__num { font-family: var(--slab); font-weight: 700; font-size: 3.4rem; line-height: 1; color: var(--blue); opacity: .9; margin-bottom: 14px; display: block; }
.step h3 { text-transform: uppercase; font-size: 1rem; letter-spacing: .03em; }
.steps { counter-reset: s; }
.steps .step::after { content: ''; position: absolute; top: 34px; left: 70px; right: -14px; height: 1px; background: repeating-linear-gradient(90deg, var(--sand-300) 0 6px, transparent 6px 12px); }
.steps .step:last-child::after { display: none; }

.icon-badge { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-700); margin-bottom: 18px; }
.icon-badge svg { width: 26px; height: 26px; }
.section--navy .icon-badge, .section--dark .icon-badge { background: rgba(66, 170, 199, .14); color: var(--blue); }

.stat { border-left: 2px solid var(--blue); padding-left: 18px; }
.stat strong { display: block; font-size: clamp(2rem, 1.6rem + 1.5vw, 2.9rem); font-weight: 800; color: var(--navy); line-height: 1.05; letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.on-dark .stat strong { color: var(--white); }
.stat span { font-size: .9rem; color: var(--muted); }
.on-dark .stat span { color: rgba(255,255,255,.7); }

/* ---------- Beeld ---------- */
.media { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4 / 3; background: var(--sand-200); }
.media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.media:hover img { transform: scale(1.04); }
.media--tall { aspect-ratio: 4 / 5; }
.media--wide { aspect-ratio: 16 / 9; }
.media__tag { position: absolute; left: 18px; bottom: 18px; background: rgba(255,255,255,.95); border-radius: 12px; padding: 12px 16px; font-size: .85rem; box-shadow: var(--shadow); color: var(--navy); }
.media__tag strong { display: block; font-size: 1.35rem; line-height: 1.1; }
.media-stack { position: relative; padding: 0 0 40px 40px; }
.media-stack::before { content: ''; position: absolute; left: 0; bottom: 0; width: 62%; height: 72%; border-radius: var(--radius-lg); background: repeating-linear-gradient(135deg, var(--sand-300) 0 2px, transparent 2px 12px); z-index: -1; }
.duotone img { filter: grayscale(.35) contrast(1.02) brightness(.98); }

/* ---------- Lijsten ---------- */
.checklist { list-style: none; padding: 0; margin: 0 0 1.4em; display: grid; gap: 12px; }
.checklist li { position: relative; padding-left: 34px; }
.checklist li::before { content: ''; position: absolute; left: 0; top: 3px; width: 22px; height: 22px; border-radius: 50%; background: var(--blue-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231f7590' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 13px no-repeat; }
.on-dark .checklist li::before { background-color: rgba(66,170,199,.18); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2342aac7' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E"); }

/* ---------- Rentetabel ---------- */
.rates { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow); border: 1px solid var(--line); overflow: hidden; }
.rates__filters { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 14px; padding: 22px; background: var(--sand); border-bottom: 1px solid var(--line); }
.rates__filters--compact { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.field { display: grid; gap: 6px; }
.field > span:first-child:not(.field__error), .field > label { font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.select, .input, .textarea { width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 11px; background: var(--white); color: var(--navy); font-weight: 600; font-size: .95rem; transition: border-color .2s, box-shadow .2s; }
.select { appearance: none; -webkit-appearance: none; padding-right: 38px; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23304156' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; cursor: pointer; }
.select:hover, .input:hover, .textarea:hover { border-color: var(--sand-300); }
.select:focus, .input:focus, .textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(66, 170, 199, .18); }
.rates__summary { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; padding: 16px 22px; font-size: .9rem; color: var(--muted); border-bottom: 1px solid var(--line); }
.rates__summary b { color: var(--navy); }
.chip { display: inline-flex; align-items: center; gap: 7px; padding: 5px 12px; border-radius: 999px; background: var(--blue-50); color: var(--blue-700); font-weight: 700; font-size: .78rem; }
.chip svg { width: 14px; height: 14px; flex-shrink: 0; }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.rate-table { width: 100%; border-collapse: separate; border-spacing: 0; font-variant-numeric: tabular-nums; min-width: 860px; }
.rate-table th, .rate-table td { padding: 13px 10px; text-align: center; border-bottom: 1px solid var(--line); white-space: nowrap; }
.rate-table thead th { position: sticky; top: 0; background: var(--white); font-size: .74rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 700; z-index: 1; }
.rate-table thead th button { all: unset; cursor: pointer; display: inline-flex; align-items: center; gap: 4px; padding: 4px 6px; border-radius: 6px; }
.rate-table thead th button:hover { color: var(--navy); background: var(--sand); }
.rate-table thead th button:focus-visible { outline: 2px solid var(--blue); }
.rate-table thead th.is-sorted { color: var(--navy); }
.rate-table thead th.is-sorted button::after { content: '↑'; color: var(--blue-600); }
.rate-table th:first-child, .rate-table td:first-child { text-align: left; padding-left: 22px; position: sticky; left: 0; background: var(--white); z-index: 2; }
.rate-table tbody tr { transition: background .2s; }
.rate-table tbody tr:hover td { background: #fbf8f4; }
.rate-table tbody tr.is-best td { background: linear-gradient(90deg, var(--blue-50), #f4fafc); }
.rate-table td.is-sorted { font-weight: 800; }
.provider { display: inline-flex; align-items: center; gap: 12px; background: none; border: 0; padding: 0; cursor: pointer; text-align: left; color: var(--navy); font-weight: 700; font-size: .9rem; }
.provider__logo { width: 92px; height: 34px; display: grid; place-items: center; background: var(--white); border: 1px solid var(--line); border-radius: 8px; padding: 4px 8px; flex-shrink: 0; }
.provider__logo img { max-height: 24px; width: auto; object-fit: contain; }
.provider:hover .provider__logo { border-color: var(--blue); }
.provider__name { display: none; }
.best-badge { display: inline-block; margin-left: 6px; font-size: .64rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; background: var(--blue); color: var(--navy-900); padding: 3px 7px; border-radius: 6px; vertical-align: middle; }
.rate-link { display: inline-block; min-width: 64px; padding: 6px 8px; border-radius: 8px; text-decoration: none; color: var(--navy); font-weight: 600; transition: background .2s, color .2s, transform .2s; }
.rate-link:hover { background: var(--navy); color: var(--white); transform: scale(1.05); }
.rate-link.is-low { color: var(--blue-700); font-weight: 800; }
.rate-table .na { color: #b9b2a8; }
.rate-table td.actions { padding-right: 18px; }
.rates__note { padding: 18px 22px; font-size: .82rem; color: var(--muted); background: var(--white); }
.rates__note p { margin: 0 0 .5em; }
.rates__loading td { padding: 40px; color: var(--muted); }
.skeleton { display: inline-block; height: 14px; width: 54px; border-radius: 6px; background: linear-gradient(90deg, var(--sand-200), var(--sand), var(--sand-200)); background-size: 200% 100%; animation: shimmer 1.2s infinite; }
@keyframes shimmer { to { background-position: -200% 0; } }

/* Mobiele rentekaarten */
.rate-cards { display: none; padding: 14px; gap: 12px; }
.rate-mcard { border: 1px solid var(--line); border-radius: 14px; padding: 16px; background: var(--white); }
.rate-mcard.is-best { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(66,170,199,.15); }
.rate-mcard__head { display: flex; justify-content: space-between; align-items: center; gap: 10px; margin-bottom: 12px; }
.rate-mcard__main { text-align: right; }
.rate-mcard__main strong { display: block; font-size: 1.6rem; color: var(--navy); line-height: 1; font-weight: 800; }
.rate-mcard__main span { font-size: .72rem; color: var(--muted); }
.rate-mcard__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; margin-bottom: 12px; }
.rate-mcard__grid div { background: var(--sand); border-radius: 8px; padding: 6px 4px; text-align: center; font-size: .8rem; font-weight: 700; color: var(--navy); }
.rate-mcard__grid small { display: block; font-size: .64rem; color: var(--muted); font-weight: 600; }
.rate-mcard__actions { display: flex; gap: 8px; }
.rate-mcard__actions .btn { flex: 1; }

/* Trendgrafiek */
.chart { position: relative; }
.chart svg { width: 100%; height: auto; overflow: visible; }
.chart .grid-line { stroke: var(--line); stroke-width: 1; }
.chart .axis-label { font-size: 11px; fill: var(--muted); font-family: var(--font); }
.chart .series { fill: none; stroke-width: 2.4; stroke-linejoin: round; stroke-linecap: round; transition: opacity .3s; }
.chart .series.is-dim { opacity: .12; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.chart-legend button { display: inline-flex; align-items: center; gap: 8px; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--line); background: var(--white); cursor: pointer; font-size: .8rem; font-weight: 700; color: var(--navy); }
.chart-legend button i { width: 10px; height: 10px; border-radius: 50%; }
.chart-legend button[aria-pressed="false"] { opacity: .45; }
.chart-tip { position: absolute; pointer-events: none; background: var(--navy-900); color: var(--white); font-size: .78rem; padding: 8px 10px; border-radius: 8px; transform: translate(-50%, -110%); white-space: nowrap; opacity: 0; transition: opacity .15s; }

/* Dialoog (aanbieder) */
.dialog { border: 0; padding: 0; border-radius: var(--radius-lg); width: min(760px, calc(100% - 24px)); max-height: calc(100dvh - 40px); box-shadow: var(--shadow-lg); color: var(--text); }
.dialog::backdrop { background: rgba(23, 34, 47, .6); backdrop-filter: blur(3px); }
.dialog[open] { animation: dlg .35s var(--ease); }
@keyframes dlg { from { opacity: 0; transform: translateY(16px) scale(.98); } }
.dialog__head { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 24px; border-bottom: 1px solid var(--line); background: var(--sand); }
.dialog__head h2 { font-size: 1.25rem; margin: 0; text-transform: none; }
.dialog__body { padding: 22px 24px; overflow-y: auto; }
.dialog__close { width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line); background: var(--white); cursor: pointer; display: grid; place-items: center; flex-shrink: 0; }
.dialog__close svg { width: 18px; height: 18px; }
.mini-table { width: 100%; border-collapse: collapse; font-size: .88rem; font-variant-numeric: tabular-nums; }
.mini-table th, .mini-table td { padding: 9px 8px; border-bottom: 1px solid var(--line); text-align: center; }
.mini-table th:first-child, .mini-table td:first-child { text-align: left; }
.mini-table th { font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }

/* ---------- Formulieren ---------- */
.form-card { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: clamp(22px, 3vw, 40px); border: 1px solid var(--line); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
.field label { font-size: .82rem; font-weight: 700; color: var(--navy); text-transform: none; letter-spacing: 0; }
.field label .opt { font-weight: 500; color: var(--muted); }
.textarea { min-height: 120px; resize: vertical; font-weight: 500; }
.input::placeholder, .textarea::placeholder { color: #9aa3ae; font-weight: 500; }
.field.has-error .input, .field.has-error .select, .field.has-error .textarea { border-color: var(--danger); }
.field__error { font-size: .8rem; color: var(--danger); font-weight: 600; text-transform: none; letter-spacing: 0; }
.input-affix { position: relative; }
.input-affix > span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); pointer-events: none; }
.input-affix .input { padding-left: 32px; }
.input-affix--suffix > span { left: auto; right: 14px; }
.input-affix--suffix .input { padding-left: 14px; padding-right: 34px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .86rem; color: var(--muted); cursor: pointer; }
.check input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--navy); flex-shrink: 0; }
.radio-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.radio-card { position: relative; }
.radio-card input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.radio-card span { display: flex; align-items: center; gap: 10px; padding: 14px; border: 1.5px solid var(--line); border-radius: 12px; font-weight: 700; color: var(--navy); font-size: .9rem; transition: border-color .2s, background .2s, box-shadow .2s; height: 100%; }
.radio-card span svg { width: 22px; height: 22px; color: var(--blue-600); flex-shrink: 0; }
.radio-card input:checked + span { border-color: var(--blue); background: var(--blue-50); box-shadow: 0 0 0 3px rgba(66,170,199,.15); }
.radio-card input:focus-visible + span { outline: 3px solid var(--blue); outline-offset: 2px; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; padding: 14px 16px; border-radius: 12px; font-weight: 600; font-size: .92rem; margin-top: 16px; }
.form-status.is-error { display: block; background: #fbeceb; color: var(--danger); }
.form-success { text-align: center; padding: 20px 0; }
.form-success__icon { width: 72px; height: 72px; border-radius: 50%; background: var(--blue-50); color: var(--blue-700); display: grid; place-items: center; margin: 0 auto 18px; animation: pop .5s var(--ease); }
.form-success__icon svg { width: 34px; height: 34px; }
@keyframes pop { from { transform: scale(.4); opacity: 0; } }
.btn.is-loading { pointer-events: none; opacity: .8; }
.btn.is-loading::after { content: ''; width: 16px; height: 16px; border: 2px solid currentColor; border-right-color: transparent; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

.stepper { display: flex; gap: 8px; margin-bottom: 28px; list-style: none; padding: 0; }
.stepper li { flex: 1; }
.stepper li span { display: block; font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-top: 8px; }
.stepper li::before { content: ''; display: block; height: 4px; border-radius: 4px; background: var(--sand-200); transition: background .4s var(--ease); }
.stepper li.is-done::before, .stepper li.is-active::before { background: var(--blue); }
.stepper li.is-active span { color: var(--navy); }
.form-step { display: none; }
.form-step.is-active { display: block; animation: fadeUp .45s var(--ease); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; }
.prefill { display: none; align-items: center; gap: 12px; padding: 14px 16px; border-radius: 12px; background: var(--blue-50); color: var(--navy); font-size: .9rem; margin-bottom: 22px; }
.prefill.is-visible { display: flex; }
.prefill svg { width: 22px; height: 22px; color: var(--blue-700); flex-shrink: 0; }

/* ---------- Rekentool ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--line); }
.calc__inputs { padding: clamp(22px, 3vw, 40px); display: grid; gap: 18px; align-content: start; }
.calc__out { background: var(--navy); color: rgba(255,255,255,.8); padding: clamp(22px, 3vw, 40px); display: flex; flex-direction: column; gap: 22px; position: relative; overflow: hidden; }
.calc__out::after { content: ''; position: absolute; right: -80px; top: -80px; width: 260px; height: 260px; border-radius: 50%; border: 40px solid rgba(66,170,199,.12); }
.calc__big { font-size: clamp(2.4rem, 1.8rem + 2.4vw, 3.5rem); font-weight: 800; color: var(--white); letter-spacing: -.03em; line-height: 1; font-variant-numeric: tabular-nums; }
.calc__row { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: .92rem; }
.calc__row b { color: var(--white); font-variant-numeric: tabular-nums; }
.calc__bar { height: 10px; border-radius: 10px; background: rgba(255,255,255,.12); overflow: hidden; }
.calc__bar i { display: block; height: 100%; background: linear-gradient(90deg, var(--blue), #8fd3e6); border-radius: inherit; transition: width .6s var(--ease); }
.range { width: 100%; accent-color: var(--blue-600); }
.calc__label-row { display: flex; justify-content: space-between; align-items: baseline; }
.calc__label-row output { font-weight: 800; color: var(--navy); font-variant-numeric: tabular-nums; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); transition: box-shadow .3s, border-color .3s; }
.section--sand .faq details { border-color: transparent; }
.faq details[open] { box-shadow: var(--shadow); border-color: transparent; }
.faq summary { list-style: none; cursor: pointer; padding: 20px 24px; font-weight: 700; color: var(--navy); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ''; width: 28px; height: 28px; flex-shrink: 0; border-radius: 50%; background: var(--sand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23304156' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center / 14px no-repeat; transition: transform .3s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .faq__body { padding: 0 24px 20px; color: var(--muted); }
.faq .faq__body p:last-child { margin: 0; }

/* ---------- Blog ---------- */
.post-card { display: flex; flex-direction: column; background: var(--white); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); text-decoration: none; color: inherit; transition: transform .35s var(--ease), box-shadow .35s var(--ease); height: 100%; }
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); color: inherit; }
.post-card__media { aspect-ratio: 16 / 10; overflow: hidden; background: var(--sand-200); }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .9s var(--ease); }
.post-card:hover .post-card__media img { transform: scale(1.05); }
.post-card__body { padding: 22px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.post-card__meta { display: flex; gap: 12px; font-size: .76rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--blue-700); }
.post-card__meta span + span { color: var(--muted); }
.post-card h3 { margin: 0; font-size: 1.15rem; line-height: 1.3; }
.post-card p { margin: 0; color: var(--muted); font-size: .94rem; }
.post-card .link-arrow { margin-top: auto; padding-top: 8px; font-size: .9rem; }
.filter-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }
.filter-chips button { padding: 9px 16px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--white); font-weight: 700; font-size: .85rem; color: var(--navy); cursor: pointer; transition: all .2s; }
.filter-chips button[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }
.post-card[hidden] { display: none; }

.article-hero { background: var(--sand); padding-block: clamp(40px, 5vw, 72px) 0; }
.article-hero h1 { text-transform: none; font-size: clamp(2rem, 1.4rem + 2.4vw, 3.2rem); max-width: 22ch; letter-spacing: -.02em; }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .88rem; color: var(--muted); margin-bottom: 28px; }
.article-meta b { color: var(--navy); }
.article-cover { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 16 / 7; box-shadow: var(--shadow); transform: translateY(40px); margin-top: -10px; }
.article-cover img { width: 100%; height: 100%; object-fit: cover; }
.article-layout { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); padding-top: 90px; align-items: start; }
.toc { position: sticky; top: calc(var(--header-h) + 24px); font-size: .88rem; }
.toc p { font-size: .74rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.toc ol { list-style: none; padding: 0; margin: 0 0 28px; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 6px 0 6px 16px; margin-left: -2px; border-left: 2px solid transparent; color: var(--muted); text-decoration: none; line-height: 1.4; transition: color .2s, border-color .2s; }
.toc a:hover, .toc a.is-active { color: var(--navy); border-left-color: var(--blue); }
.toc__cta { background: var(--navy); color: rgba(255,255,255,.8); border-radius: var(--radius); padding: 20px; }
.toc__cta strong { display: block; color: var(--white); font-size: 1rem; margin-bottom: 6px; }
.toc__cta .btn { margin-top: 12px; width: 100%; }
.prose { font-size: 1.06rem; line-height: 1.78; color: var(--text); max-width: 720px; }
.prose h2 { text-transform: none; font-size: clamp(1.45rem, 1.2rem + 1vw, 1.9rem); margin-top: 2em; letter-spacing: -.015em; }
.prose h3 { margin-top: 1.6em; font-size: 1.2rem; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.3em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--blue-600); font-weight: 700; }
.prose strong { color: var(--navy); }
.prose blockquote { margin: 1.8em 0; padding: 22px 26px; background: var(--sand); border-left: 4px solid var(--blue); border-radius: 0 var(--radius) var(--radius) 0; font-family: var(--slab); font-size: 1.25rem; line-height: 1.45; color: var(--navy); }
.prose blockquote p:last-child { margin: 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: .95rem; }
.prose th, .prose td { padding: 11px 12px; border-bottom: 1px solid var(--line); text-align: left; }
.prose th { background: var(--sand); color: var(--navy); font-size: .82rem; text-transform: uppercase; letter-spacing: .05em; }
.callout { display: flex; gap: 16px; padding: 22px; border-radius: var(--radius); background: var(--blue-50); margin: 1.8em 0; font-size: 1rem; }
.callout svg { width: 26px; height: 26px; color: var(--blue-700); flex-shrink: 0; margin-top: 2px; }
.callout p:last-child { margin: 0; }
.inline-cta { margin: 2.4em 0; padding: 28px; border-radius: var(--radius-lg); background: var(--navy); color: rgba(255,255,255,.82); display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; }
.inline-cta strong { display: block; color: var(--white); font-size: 1.2rem; }
.inline-cta p { margin: 0; }
.author-box { display: flex; gap: 16px; align-items: center; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); margin-top: 2.4em; }
.author-box .brand__mark { width: 52px; height: 52px; }
.author-box p { margin: 0; font-size: .92rem; color: var(--muted); }
.author-box strong { color: var(--navy); }
.reading-progress { position: fixed; top: 0; left: 0; height: 3px; background: var(--blue); z-index: 150; width: 0; transition: width .1s linear; }

/* ---------- CTA-band ---------- */
.cta-band { position: relative; overflow: hidden; background: var(--navy); color: rgba(255,255,255,.82); border-radius: var(--radius-lg); padding: clamp(32px, 5vw, 64px); display: grid; grid-template-columns: 1.4fr auto; gap: 32px; align-items: center; isolation: isolate; }
.cta-band::before { content: ''; position: absolute; inset: 0; z-index: -1; background: radial-gradient(600px 300px at 100% 0%, rgba(66,170,199,.35), transparent 60%), radial-gradient(400px 260px at 0% 120%, rgba(66,170,199,.18), transparent 60%); }
.cta-band h2 { color: var(--white); margin-bottom: .3em; }
.cta-band p { margin: 0; max-width: 56ch; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.7); padding-top: clamp(56px, 6vw, 88px); font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: 40px; padding-bottom: 48px; }
.site-footer h2 { font-size: .78rem; letter-spacing: .14em; color: var(--white); margin-bottom: 18px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-footer a { color: rgba(255,255,255,.75); text-decoration: none; }
.site-footer a:hover { color: var(--blue); }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 18px; height: 18px; color: var(--blue); flex-shrink: 0; margin-top: 3px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-block: 22px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: .82rem; }
.footer-bottom nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-about p { max-width: 36ch; margin-top: 18px; }

/* Mobiele actiebalk */
.mobile-cta { display: none; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 90; gap: 8px; padding: 8px; background: rgba(23,34,47,.94); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-radius: 18px; box-shadow: var(--shadow-lg); transform: translateY(130%); transition: transform .45s var(--ease); }
.mobile-cta.is-visible { transform: none; }
.mobile-cta .btn { flex: 1; padding: 13px 10px; font-size: .88rem; }
.mobile-cta .btn--icon { flex: 0 0 52px; padding: 0; }

/* ---------- Animaties ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.reveal.is-in { opacity: 1; transform: none; }
.reveal-img { clip-path: inset(0 0 100% 0); transition: clip-path 1.2s var(--ease); }
.reveal-img.is-in { clip-path: inset(0 0 0 0); }
.no-js .reveal, .no-js .reveal-img { opacity: 1; transform: none; clip-path: none; }
.hero .reveal { transition-duration: 1.1s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal, .reveal-img { opacity: 1; transform: none; clip-path: none; }
}

/* ---------- Diversen ---------- */
.badge-row { display: flex; flex-wrap: wrap; gap: 10px; }
.tag { display: inline-block; padding: 5px 12px; border-radius: 999px; background: var(--sand); color: var(--navy); font-size: .8rem; font-weight: 700; }
.map { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4 / 3; background: var(--sand-200); }
.map iframe { width: 100%; height: 100%; border: 0; display: block; }
.map__placeholder { width: 100%; height: 100%; display: grid; place-items: center; text-align: center; padding: 24px; background: linear-gradient(135deg, var(--sand), var(--sand-200)); }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 16px; align-items: flex-start; }
.contact-list .icon-badge { margin: 0; width: 46px; height: 46px; }
.contact-list strong { display: block; color: var(--navy); }
.contact-list a { font-weight: 600; }
.legal h2 { text-transform: none; font-size: 1.5rem; margin-top: 1.8em; }
.not-found { min-height: 60vh; display: grid; place-items: center; text-align: center; }
.not-found__code { font-family: var(--slab); font-size: clamp(6rem, 18vw, 12rem); line-height: 1; color: var(--blue); margin: 0; }

/* ---------- Responsief ---------- */
@media (max-width: 1480px) {
  .header-phone span { display: none; }
  .header-phone { width: 42px; height: 42px; justify-content: center; padding: 0; border: 1px solid var(--line); }
}
@media (max-width: 1240px) {
  .nav__link { padding: 10px 8px; font-size: .86rem; }
  .brand__tag { display: none; }
}
@media (max-width: 1080px) {
  .nav, .header-cta .btn { display: none; }
  .menu-toggle { display: block; }
  .header-phone { width: auto; height: auto; padding: 8px 10px; border: 0; }
  .header-phone span { display: inline; }
  .brand__tag { display: block; }
  .rates__filters { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; }
  .toc { position: static; }
  .toc ol { display: none; }
  .toc__cta { display: none; }
}
@media (max-width: 900px) {
  .hero .container, .split { grid-template-columns: 1fr; }
  .split--rev > :first-child { order: 0; }
  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps .step::after { display: none; }
  .calc { grid-template-columns: 1fr; }
  .cta-band { grid-template-columns: 1fr; }
  .media-stack { padding: 0 0 24px 24px; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .topbar__links { display: none; }
  .topbar .container { justify-content: center; }
  .header-phone span { display: none; }
  .header-phone { width: 46px; height: 46px; justify-content: center; border: 1px solid var(--line); border-radius: 12px; padding: 0; }
  .grid--2, .grid--3, .grid--4, .form-grid { grid-template-columns: 1fr; }
  .rates__filters, .rates__filters--compact { grid-template-columns: 1fr 1fr; padding: 16px; gap: 12px; }
  .table-wrap { display: none; }
  .rate-cards { display: grid; }
  .logo-band__label { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .mobile-cta { display: flex; }
  .site-footer { padding-bottom: 84px; }
  .radio-cards { grid-template-columns: 1fr; }
  .site-header .container { gap: 12px; }
  .brand { gap: 9px; min-width: 0; flex-shrink: 1; }
  .brand__mark { width: 36px; height: 36px; }
  .brand__text { min-width: 0; overflow: hidden; }
  .brand__name { font-size: .8rem; line-height: 1.05; }
  .brand__name em { display: block; font-size: 1.15em; }
  .brand__tag { display: none; }
  .header-cta { gap: 6px; flex-shrink: 0; }
  .menu-toggle, .header-phone { flex-shrink: 0; }
  .section-head { margin-bottom: 28px; }
  .article-cover { aspect-ratio: 16 / 10; }
  .rate-card { padding: 22px; }
  .btn { white-space: normal; text-align: center; }
  .hero__actions .btn, .cta-band__actions .btn { width: 100%; }
}
@media (max-width: 360px) {
  /* Te smal voor beide knoppen: bellen kan via de menu- en onderbalk. */
  .header-phone { display: none; }
  .topbar { font-size: .72rem; }
}