:root{
  --accent:#9b1c3c;
  --accent-dark:#7a1230;
  --blue:#1d5fd0;
  --navy:#0f1f3d;
  --text:#111827;
  --muted:#5f6673;
  --line:#e6e8ec;
  --tint:#f6f7f9;
  --radius:10px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Roboto',system-ui,sans-serif;color:var(--text);background:#fff;line-height:1.65;-webkit-text-size-adjust:100%}
img{max-width:100%;display:block}
a{color:var(--blue)}
ul,ol{list-style:none}
h1,h2,h3{font-family:'Poppins',sans-serif;font-weight:600;line-height:1.3;color:var(--text)}
h1{font-size:clamp(1.9rem,5.5vw,3rem)}
h2{font-size:clamp(1.5rem,3.6vw,2.1rem)}
h3{font-size:1.15rem}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.center{text-align:center;margin-top:32px}
.center-text{text-align:center}

/* Topbar */
.topbar{background:var(--navy);color:#dbe3f3;font-size:.85rem}
.topbar__in{display:flex;flex-wrap:wrap;gap:6px 24px;padding-top:8px;padding-bottom:8px}
.topbar a{color:#dbe3f3;text-decoration:none}
.topbar a:hover{text-decoration:underline}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header__in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#1f2a37}
.logo span{font-family:'Poppins',sans-serif;font-weight:500;font-size:.95rem;line-height:1.25;text-transform:uppercase;letter-spacing:.02em}
.logo--light{color:#fff}
.nav ul{display:flex;gap:4px}
.nav a:not(.btn){display:block;padding:8px 12px;color:var(--text);text-decoration:none;font-weight:500;border-radius:6px}
.nav a:not(.btn):hover{background:var(--tint)}
.nav a.is-active{color:var(--accent)}
.nav{display:flex;align-items:center;gap:16px}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--text)}

@media(max-width:920px){
  .nav-toggle{display:flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:12px}
  .nav.is-open{display:flex}
  .nav ul{flex-direction:column}
  .nav__cta{text-align:center}
}

/* Buttons */
.btn{display:inline-block;padding:12px 24px;border-radius:8px;font:500 1rem 'Roboto',sans-serif;text-decoration:none;cursor:pointer;border:2px solid transparent;transition:background .15s,color .15s}
.btn--primary{background:var(--accent);color:#fff}
.btn--primary:hover{background:var(--accent-dark)}
.btn--ghost{background:transparent;color:var(--accent);border-color:var(--accent)}
.btn--ghost:hover{background:var(--accent);color:#fff}
.btn--light{background:#fff;color:var(--accent)}
.btn--light:hover{background:#f3e6ea}
.link-arrow{display:inline-block;margin-top:14px;font-weight:500;text-decoration:none;color:var(--accent)}
.link-arrow::after{content:"";display:inline-block;width:.45em;height:.45em;margin-left:.55em;border-right:2px solid currentColor;border-top:2px solid currentColor;transform:rotate(45deg)}
.link-arrow:hover{text-decoration:underline}

/* Hero */
.hero{text-align:center;padding:72px 0 64px;background:linear-gradient(180deg,#fff 0%,var(--tint) 100%)}
.hero__in{max-width:820px}
.divider{width:96px;margin:26px auto 0;display:grid;gap:5px}
.divider i{display:block;height:2px;background:var(--accent)}
.divider i:last-child{width:70%;margin:0 auto}
.lead{color:var(--muted);font-size:1.12rem;line-height:1.9;max-width:660px;margin:28px auto 0}
.hero__actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:32px}
.hero__tagline{margin-top:28px;font-family:'Poppins',sans-serif;font-weight:600;color:var(--accent);font-size:1.15rem}

.page-head{color:#fff;text-align:center;padding:64px 0 60px;background:radial-gradient(circle at 12% 10%,rgba(29,95,208,.4),transparent 45%),radial-gradient(circle at 90% 90%,rgba(155,28,60,.4),transparent 45%),var(--navy)}
.page-head h1{color:#fff}
.page-head .lead{margin-top:16px;color:#dbe3f3}
.crumbs{display:flex;justify-content:center;flex-wrap:wrap;gap:6px;margin-bottom:16px;font-size:.88rem;color:#b9c5e0}
.crumbs a{color:#dbe3f3;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs span::before{content:"";display:inline-block;width:.4em;height:.4em;margin:0 .7em 0 .2em;border-right:1.5px solid currentColor;border-top:1.5px solid currentColor;transform:rotate(45deg)}

/* Sections */
.section{padding:72px 0}
.section--tint{background:var(--tint)}
.section__head{text-align:center;margin-bottom:40px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--accent);margin-bottom:8px}
.split{display:grid;gap:40px;align-items:center}
.split p{margin-top:14px;color:var(--muted)}
.split h2{margin-top:4px}
@media(min-width:800px){.split{grid-template-columns:1.2fr 1fr}}
.checks li{position:relative;padding:14px 16px 14px 48px;background:var(--tint);border-radius:var(--radius);margin-bottom:10px;font-weight:500}
.checks li::before{content:"";position:absolute;left:18px;top:50%;width:14px;height:8px;border-left:3px solid var(--accent);border-bottom:3px solid var(--accent);transform:translateY(-70%) rotate(-45deg)}

.cards{display:grid;gap:20px}
@media(min-width:700px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;border-top:3px solid var(--accent)}
.card p{margin-top:10px;color:var(--muted)}
.note{margin-top:32px;color:var(--muted);font-size:.92rem;text-align:center}

.steps{display:grid;gap:20px}
@media(min-width:800px){.steps:not(.steps--list){grid-template-columns:repeat(4,1fr)}}
.steps li span{display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;border-radius:50%;background:var(--accent);color:#fff;font:600 1.1rem 'Poppins',sans-serif;margin-bottom:12px}
.steps p{color:var(--muted);margin-top:6px}
.steps--list li{display:flex;gap:18px;align-items:flex-start;padding:20px 0;border-bottom:1px solid var(--line)}
.steps--list li span{flex:none;margin:0}

.notice{margin-top:36px;padding:20px 22px;background:#fdf3f5;border-left:4px solid var(--accent);border-radius:6px}
.notice p{margin-top:4px;color:var(--muted)}

details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;padding:0 20px}
summary{cursor:pointer;padding:16px 0;font-weight:500;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent)}
summary::after{transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding-bottom:16px;color:var(--muted)}

.cta-band{background:var(--navy);color:#fff;padding:52px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#c4cee4;margin-top:6px}
.cta-band__in{display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}

/* Prose */
.prose h2{margin:32px 0 10px;font-size:1.35rem}
.prose h2:first-child{margin-top:0}
.prose p{color:#374151;margin-bottom:12px}
.facts{display:grid;grid-template-columns:max-content 1fr;gap:8px 24px;margin-bottom:8px}
.facts dt{font-weight:500}
.facts dd{color:#374151}

/* Forms */
.contact{display:grid;gap:32px}
@media(min-width:860px){.contact{grid-template-columns:1.6fr 1fr}}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.form-card h2{margin-bottom:18px;font-size:1.4rem}
form label{display:block;font-weight:500;font-size:.92rem;margin-bottom:16px}
form input[type=text],form input[type=email],form input[type=tel],form input[type=password],form select,form textarea{
  display:block;width:100%;margin-top:6px;padding:11px 12px;font:400 1rem 'Roboto',sans-serif;border:1px solid #c9ced6;border-radius:8px;background:#fff;color:var(--text)}
form input:focus,form select:focus,form textarea:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
.row{display:grid;gap:0 16px}
@media(min-width:600px){.row{grid-template-columns:1fr 1fr}}
label.check{display:flex;gap:10px;align-items:flex-start;font-weight:400}
label.check input{margin-top:5px}
.hint{font-size:.85rem;color:var(--muted);margin-bottom:16px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.alert{padding:14px 18px;border-radius:8px;margin-bottom:18px}
.alert ul{padding-left:18px;list-style:disc}
.alert--ok{background:#e8f6ee;color:#0e5a2b;border:1px solid #b7e2c8}
.alert--err{background:#fdecec;color:#8a1c1c;border:1px solid #f4c2c2}
.contact__info h2{font-size:1.3rem;margin-bottom:14px}
.contact__info li{margin-bottom:16px}

/* Hero met achtergrondafbeelding: /assets/img/hero.jpg */
.hero--image{
  color:#fff;padding:120px 0 110px;
  background:
    linear-gradient(rgba(10,22,46,.68),rgba(10,22,46,.68)),
    var(--hero-img,url('/assets/img/hero.jpg')) center/cover no-repeat,
    linear-gradient(135deg,#0f1f3d,#1d3f80);
}
.hero--image h1{color:#fff}
.hero--image .lead{color:#e3e9f6}
.hero--image .divider i{background:#fff}
.hero--image .hero__tagline{color:#fff}
.hero--image .btn--ghost{color:#fff;border-color:#fff}
.hero--image .btn--ghost:hover{background:#fff;color:var(--accent)}
@media(max-width:600px){.hero--image{padding:72px 0 64px}}

/* Blokken met afbeelding */
.media,.pcard__img{background:var(--img) center/cover no-repeat,linear-gradient(135deg,#dfe4ee,#c3cbdc)}
.split--media{gap:48px}
.split--media .media{min-height:320px;border-radius:var(--radius)}
@media(min-width:800px){.split--media{grid-template-columns:1fr 1fr}.split--media .media{min-height:440px}}
.split--media .checks{margin-top:18px}

.grid{display:grid;gap:22px}
@media(min-width:640px){.grid--3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.grid--3{grid-template-columns:repeat(3,1fr)}}
.btn--sm{padding:9px 18px;font-size:.92rem}

.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s}
.pcard:hover{box-shadow:0 10px 28px rgba(15,31,61,.12);transform:translateY(-3px)}
.pcard__img{aspect-ratio:16/10}
.pcard__body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1}
.pcard__body p{color:var(--muted);margin:8px 0 18px;flex:1}
.pcard__body .btn{align-self:flex-start}

.card--icon{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.card--icon:hover{border-color:var(--accent)}
.card--icon p{flex:1;margin-bottom:18px}
.card--icon .btn{align-self:flex-start}
.card__icon{display:inline-flex;width:52px;height:52px;align-items:center;justify-content:center;border-radius:12px;background:#f7e9ed;color:var(--accent);margin-bottom:16px}
.icon{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}

/* Banner */
.banner{
  color:#fff;text-align:center;padding:96px 0;
  background:
    linear-gradient(rgba(10,22,46,.7),rgba(10,22,46,.7)),
    var(--img) center/cover no-repeat,
    linear-gradient(135deg,#1d3f80,#0f1f3d);
}
.banner h2{color:#fff;max-width:760px;margin:0 auto}
.banner__rate{font:600 clamp(2rem,6vw,3.2rem) 'Poppins',sans-serif;margin:16px 0 8px}
.banner__note{max-width:640px;margin:0 auto 12px;font-size:.85rem;color:#c4cee4}
.banner .btn{margin-top:16px}

/* Simulator */
.sim{display:grid;gap:24px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 8px 30px rgba(15,31,61,.06)}
@media(min-width:900px){.sim{grid-template-columns:.9fr 1.3fr;gap:40px;padding:36px}}
.sim__form .btn{width:100%}
.sim__error{color:#8a1c1c;font-size:.9rem;margin-bottom:12px}
.sim__out{display:flex;align-items:center;justify-content:center;background:var(--tint);border-radius:12px;padding:28px;min-height:260px}
.sim__state{width:100%}
.sim__state--idle,.sim__state--loading{text-align:center;color:var(--muted)}
.sim__state[hidden],.sim__error[hidden]{display:none}
.spinner{display:block;width:44px;height:44px;margin:0 auto 14px;border:4px solid #e3d0d6;border-top-color:var(--accent);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.sim__state--done{display:grid;gap:24px;animation:fade .5s ease}
@media(min-width:640px){.sim__state--done{grid-template-columns:1fr 1fr;align-items:center}}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.sim__label{font-size:.9rem;color:var(--muted)}
.sim__amount{font:600 clamp(2.2rem,6vw,3rem) 'Poppins',sans-serif;color:var(--accent);line-height:1.15;margin:4px 0}
.sim__meta{font-size:.85rem;color:var(--muted)}
.sim__ask{padding:20px;background:#fff;border-radius:10px;border:1px solid var(--line)}
.sim__ask p{margin-bottom:14px}
.sim__ask .btn{width:100%;text-align:center}

/* Tijdlijn */
.timeline{position:relative;max-width:1000px;margin:0 auto;padding:6px 0}
.timeline::before{content:"";position:absolute;left:28px;top:20px;bottom:20px;width:4px;border-radius:4px;background:linear-gradient(180deg,var(--accent),var(--blue));opacity:.85}
.tl{position:relative;padding-left:88px;margin-bottom:34px}
.tl:last-child{margin-bottom:0}
.tl__node{position:absolute;left:0;top:6px;z-index:1;width:60px;height:60px;border-radius:50%;display:grid;place-items:center;color:#fff;background:linear-gradient(135deg,var(--accent),#c4304f);box-shadow:0 0 0 8px var(--tint),0 8px 20px rgba(155,28,60,.35)}
.tl__node .icon{width:28px;height:28px;stroke-width:1.8}
.tl__card{position:relative;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 26px;box-shadow:0 12px 32px rgba(15,31,61,.08);transition:transform .25s,box-shadow .25s}
.tl__card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(15,31,61,.14)}
.tl__card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,var(--accent),var(--blue))}
.tl__no{position:absolute;right:18px;top:6px;font:600 3.6rem/1 'Poppins',sans-serif;color:#f3e8ec;pointer-events:none}
.tl__step{font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);margin-bottom:4px}
.tl__card h3{margin-bottom:8px;position:relative}
.tl__card p:last-child{color:var(--muted);position:relative}

@media(min-width:900px){
  .timeline::before{left:50%;transform:translateX(-50%)}
  .tl{display:grid;grid-template-columns:1fr 60px 1fr;column-gap:36px;padding-left:0;margin-bottom:44px;align-items:center}
  .tl__node{position:relative;top:auto;left:auto;grid-column:2;grid-row:1}
  .tl__card{grid-column:1;grid-row:1}
  .tl:nth-child(even) .tl__card{grid-column:3}
  .tl__card::after{content:"";position:absolute;top:50%;right:-9px;width:16px;height:16px;background:#fff;border-top:1px solid var(--line);border-right:1px solid var(--line);transform:translateY(-50%) rotate(45deg)}
  .tl:nth-child(even) .tl__card::after{right:auto;left:-9px;transform:translateY(-50%) rotate(-135deg)}
  .tl__card::before{display:none}
  .tl:nth-child(odd) .tl__card{border-right:4px solid var(--accent)}
  .tl:nth-child(even) .tl__card{border-left:4px solid var(--blue)}
}

/* Verschijnen bij scrollen (alleen met JS actief) */
.js .tl{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease}
.js .tl.is-in{opacity:1;transform:none}
.js .tl.is-in .tl__node{animation:pop .5s ease both .15s}
@keyframes pop{0%{transform:scale(.5)}70%{transform:scale(1.1)}100%{transform:scale(1)}}
@media(prefers-reduced-motion:reduce){.js .tl{opacity:1;transform:none;transition:none}.js .tl.is-in .tl__node{animation:none}.tl__card{transition:none}}

/* Cijfers */
.stats{color:#fff;padding:72px 0;background:radial-gradient(circle at 15% 20%,rgba(29,95,208,.35),transparent 45%),radial-gradient(circle at 85% 80%,rgba(155,28,60,.35),transparent 45%),var(--navy)}
.stats__grid{display:grid;gap:20px}
@media(min-width:760px){.stats__grid{grid-template-columns:repeat(3,1fr);gap:28px}}
.stat{text-align:center;padding:32px 20px;border-radius:16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(2px)}
.stat__icon{display:inline-flex;width:56px;height:56px;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.12);margin-bottom:14px}
.stat__icon .icon{width:28px;height:28px;stroke:#fff}
.stat__num{font:600 clamp(2rem,5vw,2.9rem) 'Poppins',sans-serif;line-height:1.15;font-variant-numeric:tabular-nums}
.stat__label{margin-top:6px;color:#c4cee4;font-size:.98rem}

/* Subpagina's */
@media(min-width:960px){.grid--4{grid-template-columns:repeat(4,1fr)}}
.card--static:hover{border-color:var(--line)}
.card--static{border-top:3px solid var(--accent)}
.card--icon.card--static{border-top:3px solid var(--accent)}
.badge{display:inline-block;padding:4px 12px;border-radius:999px;background:#f7e9ed;color:var(--accent);font-size:.8rem;font-weight:600;margin-bottom:12px}
.note--left{text-align:left;margin-top:18px}
.panel{background:var(--navy);color:#fff;border-radius:16px;padding:32px;background:radial-gradient(circle at 90% 10%,rgba(155,28,60,.45),transparent 50%),var(--navy)}
.panel h3{color:#fff;font-size:1.35rem}
.panel p{color:#c4cee4;margin:10px 0 22px}
.panel__actions{display:flex;flex-wrap:wrap;gap:12px}
.panel .btn--ghost{color:#fff;border-color:#fff}
.panel .btn--ghost:hover{background:#fff;color:var(--accent)}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:12px}
.chips a{display:inline-block;padding:10px 22px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--text);text-decoration:none;font-weight:500;transition:all .2s}
.chips a:hover{background:var(--accent);border-color:var(--accent);color:#fff}
.section__head .lead{margin-top:12px}
.notice--lg{display:flex;gap:20px;align-items:flex-start;padding:28px}
.notice__icon{flex:none;display:inline-flex;width:52px;height:52px;align-items:center;justify-content:center;border-radius:50%;background:var(--accent);color:#fff}
.checks--plain li{background:none;padding:6px 0 6px 30px;margin:0;font-weight:400;color:var(--muted)}
.checks--plain li::before{left:4px}

/* Contactpagina */
.form-card{padding:34px;box-shadow:0 10px 32px rgba(15,31,61,.07)}
.form-intro{color:var(--muted);font-size:.92rem;margin:-6px 0 20px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:500;font-size:.92rem;margin-bottom:6px}
.field input,.field textarea{display:block;width:100%;padding:12px 14px;font:400 1rem 'Roboto',sans-serif;border:1px solid #c9ced6;border-radius:8px;background:#fff;color:var(--text);transition:border-color .15s,box-shadow .15s}
.field textarea{resize:vertical;min-height:150px}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,95,208,.18)}
.field [aria-invalid="true"]{border-color:#c0392b;box-shadow:0 0 0 3px rgba(192,57,43,.12)}
.field__error{min-height:1.2em;margin-top:5px;font-size:.85rem;color:#a12318}
.btn--block{width:100%;text-align:center}
.btn:disabled{opacity:.7;cursor:progress}
.alert[hidden]{display:none}
.contact__info{align-self:start}
.info-cards{display:grid;gap:14px;margin-bottom:22px}
.info-cards li{display:flex;gap:14px;align-items:flex-start;padding:16px 18px;background:var(--tint);border:1px solid var(--line);border-radius:12px}
.info-cards__icon{flex:none;display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;border-radius:50%;background:#f7e9ed;color:var(--accent)}
.info-cards a{color:var(--text)}
.contact__note{color:var(--muted);margin-bottom:16px}

/* Popup */
.modal{
  /* Centré au milieu de l'écran (le reset global `*{margin:0}` retirait le margin:auto natif du <dialog>) */
  position:fixed;inset:0;margin:auto;
  width:min(440px,calc(100% - 32px));height:fit-content;max-height:calc(100dvh - 32px);overflow:auto;
  border:0;border-radius:18px;padding:0;box-shadow:0 30px 80px rgba(10,22,46,.35);color:var(--text);background:#fff}
.modal:not([open]){display:none}
.modal::backdrop{background:rgba(10,22,46,.6);backdrop-filter:blur(3px)}
.modal[open]{animation:modal-in .3s ease}
@keyframes modal-in{from{opacity:0;transform:scale(.94)}to{opacity:1;transform:none}}
.modal__box{padding:40px 32px 32px;text-align:center}
@media(max-width:480px){.modal__box{padding:32px 22px 26px}.modal h2{font-size:1.4rem}}
.modal__icon{display:inline-flex;width:74px;height:74px;align-items:center;justify-content:center;border-radius:50%;background:#e8f6ee;color:#1a8f4c;margin-bottom:18px}
.modal__icon .icon{width:38px;height:38px;stroke-width:2.4}
.modal h2{font-size:1.6rem;margin-bottom:10px}
.modal p{color:var(--muted);margin-bottom:24px}
@media(prefers-reduced-motion:reduce){.modal[open]{animation:none}}

/* Kredietaanvraag */
.credit{display:grid;gap:28px}
@media(min-width:1000px){.credit{grid-template-columns:1fr 360px;gap:36px;align-items:start}}
.fs{border:1px solid var(--line);border-radius:16px;padding:28px;margin:0 0 22px;background:#fff;box-shadow:0 10px 32px rgba(15,31,61,.06)}
.fs--plain{box-shadow:none;background:var(--tint)}
.fs__legend{display:flex;align-items:center;gap:12px;padding:0 6px;font:600 1.2rem 'Poppins',sans-serif}
.fs__legend span{display:inline-flex;width:32px;height:32px;align-items:center;justify-content:center;border-radius:50%;background:var(--accent);color:#fff;font-size:.9rem}
.fs__hint{color:var(--muted);font-size:.9rem;margin:2px 0 14px}
.fs__grid{display:grid;gap:0 18px;margin-top:14px}
@media(min-width:640px){.fs__grid{grid-template-columns:1fr 1fr}.field--full{grid-column:1/-1}}
.field select{display:block;width:100%;padding:12px 14px;font:400 1rem 'Roboto',sans-serif;border:1px solid #c9ced6;border-radius:8px;background:#fff;color:var(--text)}
.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,95,208,.18)}
.credit__side{display:grid;gap:18px}
@media(min-width:1000px){.credit__side{position:sticky;top:100px}}
.estimate{color:#fff;border-radius:16px;padding:28px;text-align:center;background:radial-gradient(circle at 90% 10%,rgba(155,28,60,.5),transparent 55%),var(--navy)}
.estimate__label{color:#c4cee4;font-size:.9rem}
.estimate__amount{font:600 clamp(2rem,5vw,2.6rem) 'Poppins',sans-serif;margin:6px 0}
.estimate__meta{color:#c4cee4;font-size:.82rem}
.side-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.side-card h3{font-size:1.05rem;margin-bottom:10px}
.side-card p{color:var(--muted);font-size:.93rem}
.side-card--alert{background:#fdf3f5;border-color:#f1d5dc}
.mini-steps{counter-reset:s;display:grid;gap:12px;color:var(--muted);font-size:.93rem}
.mini-steps li{position:relative;padding-left:38px}
.mini-steps li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;font:600 .8rem 'Poppins',sans-serif;display:flex;align-items:center;justify-content:center}

/* Bevestigingspagina */
.confirm{padding:56px 0 72px;background:linear-gradient(180deg,var(--tint),#fff)}
.confirm__card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:44px 36px;text-align:center;box-shadow:0 20px 60px rgba(15,31,61,.1)}
.confirm__icon{display:inline-flex;width:78px;height:78px;align-items:center;justify-content:center;border-radius:50%;background:#e8f6ee;color:#1a8f4c;margin-bottom:16px}
.confirm__icon .icon{width:40px;height:40px;stroke-width:2.4}
.confirm__card h1{font-size:clamp(1.7rem,4.5vw,2.3rem)}
.confirm__ref{margin-top:14px;color:var(--muted)}
.confirm__payment{margin:26px 0;padding:24px;border-radius:14px;background:radial-gradient(circle at 90% 10%,rgba(155,28,60,.5),transparent 55%),var(--navy);color:#fff}
.confirm__label{color:#c4cee4;font-size:.9rem}
.confirm__amount{font:600 clamp(2.2rem,7vw,3.1rem) 'Poppins',sans-serif;line-height:1.2;margin:4px 0}
.confirm__meta{color:#c4cee4;font-size:.85rem}
.recap{display:grid;text-align:left;margin-bottom:22px}
.recap div{display:flex;justify-content:space-between;gap:16px;padding:12px 4px;border-bottom:1px solid var(--line)}
.recap dt{color:var(--muted)}
.recap dd{font-weight:500;text-align:right}
.confirm__h{font-size:1.2rem;margin:26px 0 14px;text-align:left}
.confirm .mini-steps{text-align:left}
.notice--plain{margin:24px 0;text-align:left;padding:14px 18px;background:#fdf3f5;border-left:4px solid var(--accent);border-radius:6px;font-size:.92rem;color:var(--muted)}
.confirm__actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:8px}
@media(max-width:600px){.confirm__card{padding:32px 20px}.fs{padding:22px 18px}}

/* Juridische pagina's */
.legal{display:grid;gap:36px}
@media(min-width:960px){.legal{grid-template-columns:280px 1fr;gap:56px;align-items:start}}
.legal__toc{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
@media(min-width:960px){.legal__toc{position:sticky;top:100px}}
.legal__toc-title{font:600 .8rem 'Poppins',sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.legal__toc ol{list-style:decimal;padding-left:20px}
.legal__toc li{margin-bottom:8px;color:var(--muted)}
.legal__toc a{color:var(--text);text-decoration:none}
.legal__toc a:hover{color:var(--accent);text-decoration:underline}
.legal__body section{scroll-margin-top:100px;margin-bottom:36px}
.legal__body h2{display:flex;align-items:center;gap:12px;margin:0 0 12px;font-size:1.3rem}
.legal__body h2 span{flex:none;display:inline-flex;width:34px;height:34px;align-items:center;justify-content:center;border-radius:50%;background:var(--accent);color:#fff;font-size:.9rem}
.prose ul{list-style:disc;margin:0 0 12px 1.3em;color:#374151}
.prose li{margin-bottom:6px}
.prose a{color:var(--accent)}

/* Getuigenissen */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;display:flex;flex-direction:column;gap:16px}
.quote blockquote{color:#374151;flex:1}
.quote figcaption{display:flex;flex-direction:column;font-size:.92rem}
.quote figcaption span{color:var(--muted)}

@media(prefers-reduced-motion:reduce){.spinner{animation-duration:2s}.sim__state--done{animation:none}.pcard{transition:none}}

/* Footer */
.site-footer{background:#0b1730;color:#c4cee4;margin-top:0;font-size:.95rem}
.footer__grid{display:grid;gap:32px;padding-top:56px;padding-bottom:40px}
@media(min-width:800px){.footer__grid{grid-template-columns:1.4fr 1fr 1.3fr 1fr}}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer a{color:#c4cee4;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer li{margin-bottom:8px}
.footer__about{margin-top:14px;max-width:300px}
.site-footer .footer__cta{margin-top:18px;color:var(--accent)}
.site-footer .footer__cta:hover{color:var(--accent);text-decoration:none}
.footer__legal{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;font-size:.85rem}
.footer__legal p+p{margin-top:4px}

@media(max-width:600px){
  .section{padding:52px 0}
  .hero{padding:52px 0 48px}
  .logo span{font-size:.82rem}
  .facts{grid-template-columns:1fr;gap:2px}
  .facts dd{margin-bottom:10px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.whatsapp-widget {
  position: fixed;
  bottom: 20px;
  right: 20px;
  background-color: #25d366;
  color: #fff;
  width: 55px;
  height: 55px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.3);
  z-index: 1000;
  transition: transform 0.3s ease, background-color 0.3s ease;
}

.whatsapp-widget:hover {
  background-color: #20ba5a;
  transform: scale(1.1);
}