/* Koers — richting B: "Helder & Menselijk"
   middernachtblauw #2B3A67 / ivoor #FAF6EE / zacht amber #E8A33D / lavendelgrijs #D8DDE6
   Sora + Work Sans */
:root{
  --blue:#2B3A67; --blue-2:#3B4E85; --ink:#232936; --body:#525C6E;
  --ivory:#FAF6EE; --paper:#FFFFFF; --lav:#D8DDE6; --lav-soft:#EEF1F6;
  --amber:#E8A33D; --amber-d:#C4831F;
  --wrap:1160px; --r:20px; --r-s:14px;
  --sh:0 2px 4px rgba(43,58,103,.04),0 12px 28px rgba(43,58,103,.07);
  --sh-h:0 4px 8px rgba(43,58,103,.06),0 20px 44px rgba(43,58,103,.12);
  --head:'Sora',-apple-system,'Segoe UI',Arial,sans-serif;
  --body-f:'Work Sans',-apple-system,'Segoe UI',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body-f);font-size:17.5px;line-height:1.72;color:var(--body);background:var(--ivory);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--head);color:var(--blue);font-weight:600;line-height:1.2;letter-spacing:-.02em}
h1{font-size:clamp(34px,4.8vw,56px)}
h2{font-size:clamp(26px,3.2vw,38px)}
h3{font-size:20px;letter-spacing:-.01em}
p{margin-bottom:16px}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--amber-d)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:var(--blue);color:#fff;padding:10px 16px;z-index:99;border-radius:8px}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:8px}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--amber-d);background:#FBEEDA;padding:6px 14px;border-radius:999px;margin-bottom:20px}
.lead{font-size:20px;line-height:1.68;color:var(--ink)}

.btn{display:inline-flex;align-items:center;gap:9px;padding:15px 30px;border-radius:999px;font-family:var(--head);font-size:15.5px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:.2s;cursor:pointer}
.btn-accent{background:var(--amber);color:#2A2110;border-color:var(--amber)}
.btn-accent:hover{background:var(--amber-d);border-color:var(--amber-d);color:#fff;transform:translateY(-2px);box-shadow:0 10px 22px rgba(196,131,31,.3)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-2);color:#fff;transform:translateY(-2px)}
.btn-ghost{border-color:var(--lav);color:var(--blue);background:var(--paper)}
.btn-ghost:hover{border-color:var(--blue);transform:translateY(-2px)}

.topbar{background:rgba(250,246,238,.92);backdrop-filter:blur(10px);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(43,58,103,.08)}
.bar{display:flex;align-items:center;gap:30px;padding:16px 0}
.brand{font-family:var(--head);font-weight:700;font-size:23px;color:var(--blue);text-decoration:none;line-height:1.1;letter-spacing:-.02em}
.brand small{display:block;font-family:var(--body-f);font-size:11.5px;font-weight:500;letter-spacing:.02em;color:var(--amber-d);margin-top:2px}
.mainnav{display:flex;gap:8px;margin-left:auto}
.mainnav a{font-size:15.5px;text-decoration:none;color:var(--ink);padding:9px 15px;border-radius:999px}
.mainnav a:hover,.mainnav a[aria-current]{background:var(--lav-soft);color:var(--blue)}
.navcta{padding:12px 24px}
.hamburger{display:none;background:var(--paper);border:1px solid var(--lav);border-radius:12px;width:46px;height:42px;flex-direction:column;justify-content:center;align-items:center;gap:4px;cursor:pointer;margin-left:auto}
.hamburger span{width:18px;height:2px;background:var(--blue);border-radius:2px;transition:.2s}
.hamburger.open span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.mobnav{display:none;flex-direction:column;gap:4px;padding:6px 26px 22px}
.mobnav a{padding:13px 16px;text-decoration:none;border-radius:12px;background:var(--paper);font-size:16.5px}
.mobnav .btn{margin-top:10px;justify-content:center}

.hero{padding:88px 0 96px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;width:760px;height:760px;right:-190px;top:-260px;border-radius:50%;background:radial-gradient(circle at 34% 34%,#FBEEDA,rgba(251,238,218,0) 68%)}
.hero:after{content:"";position:absolute;width:560px;height:560px;left:-200px;bottom:-280px;border-radius:50%;background:radial-gradient(circle at 60% 40%,#E6EBF4,rgba(230,235,244,0) 70%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero p{max-width:36em}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-note{margin-top:26px;font-size:15px;color:var(--body)}

.card{background:var(--paper);border-radius:var(--r);padding:34px 32px;box-shadow:var(--sh);transition:.25s}
.card:hover{box-shadow:var(--sh-h);transform:translateY(-4px)}
.card h3{margin-bottom:10px}
.card p{font-size:16px;margin-bottom:14px}
.card a{font-family:var(--head);font-weight:600;font-size:15px;text-decoration:none}
.card a:after{content:" \2192"}

.icon{width:52px;height:52px;border-radius:16px;background:var(--lav-soft);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.icon svg{width:26px;height:26px;stroke:var(--blue);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}

.section{padding:88px 0}
.section.alt{background:var(--paper)}
.section.blue{background:var(--blue);color:#C6CEE2}
.section.blue h2,.section.blue h3{color:#fff}
.head{max-width:62ch;margin-bottom:48px}
.head.center{margin:0 auto 52px;text-align:center}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}

.stepbar{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.stepbar .s{background:var(--paper);border-radius:var(--r);padding:32px 28px;position:relative;box-shadow:var(--sh)}
.stepbar .s:before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:28px;width:38px;height:38px;border-radius:50%;background:var(--amber);color:#2A2110;font-family:var(--head);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:17px}
.stepbar .s h3{margin:14px 0 8px}
.stepbar .s p{font-size:16px;margin:0}

.rates{width:100%;border-collapse:separate;border-spacing:0;font-size:16.5px;background:var(--paper);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.rates caption{text-align:left;font-size:14.5px;padding:0 0 16px;color:var(--body)}
.rates th,.rates td{text-align:left;padding:18px 22px;border-bottom:1px solid var(--lav-soft)}
.rates thead th{font-family:var(--head);font-size:13px;font-weight:600;color:var(--blue);background:var(--lav-soft);border-bottom:0}
.rates tbody tr:last-child td{border-bottom:0}
.rates td:last-child,.rates th:last-child{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}

.quote{background:var(--paper);border-radius:var(--r);padding:44px 46px;box-shadow:var(--sh);max-width:48em;margin:0 auto}
.quote blockquote{font-family:var(--head);font-size:clamp(20px,2.3vw,27px);line-height:1.46;color:var(--blue);font-weight:500}
.quote cite{display:block;margin-top:22px;font-style:normal;font-size:15px;color:var(--body)}

.faq{display:grid;gap:14px}
.faq-item{background:var(--paper);border-radius:var(--r-s);box-shadow:var(--sh);overflow:hidden}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;background:none;border:0;cursor:pointer;padding:22px 26px;text-align:left;font-family:var(--head);font-size:17.5px;font-weight:600;color:var(--blue)}
.faq-q i{width:14px;height:14px;flex:0 0 14px;position:relative}
.faq-q i:before,.faq-q i:after{content:"";position:absolute;background:var(--amber-d);border-radius:2px;transition:.2s}
.faq-q i:before{left:0;top:6px;width:14px;height:2px}
.faq-q i:after{left:6px;top:0;width:2px;height:14px}
.faq-q[aria-expanded="true"] i:after{transform:scaleY(0)}
.faq-a{padding:0 26px 24px;max-width:74ch}
.faq-a p:last-child{margin-bottom:0}

.trust{display:flex;flex-wrap:wrap;gap:12px}
.chip{background:var(--paper);border:1px solid var(--lav);border-radius:999px;padding:9px 18px;font-size:14.5px;color:var(--ink)}
.section.blue .chip{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:#E4E9F3}

.cta{padding:24px 0 96px}
.cta .box{background:var(--blue);border-radius:28px;padding:60px 56px;display:flex;justify-content:space-between;align-items:center;gap:44px;flex-wrap:wrap;position:relative;overflow:hidden}
.cta .box:after{content:"";position:absolute;width:420px;height:420px;right:-120px;top:-160px;border-radius:50%;background:radial-gradient(circle,rgba(232,163,61,.28),transparent 68%)}
.cta h2{color:#fff;max-width:17ch;position:relative;z-index:2}
.cta .acts{display:flex;gap:14px;flex-wrap:wrap;position:relative;z-index:2}

.site-footer{background:#222C4E;color:#A6AFC6;padding:64px 0 30px;font-size:15.5px}
.site-footer h3{color:#fff;font-family:var(--head);font-size:15px;margin-bottom:16px}
.site-footer a{color:#D5DBE9;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer p{margin-bottom:8px}
.fgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:36px;padding-bottom:38px}
.fbot{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:13.5px}
.fbot p{margin:0}

.prose{max-width:72ch}
.prose h2{margin:42px 0 14px}
.prose h3{margin:28px 0 10px}
.prose ul{margin:0 0 18px 22px}
.prose li{margin-bottom:9px}

.field{display:block;margin-bottom:16px;font-size:15.5px;color:var(--ink)}
.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1.5px solid var(--lav);border-radius:var(--r-s);background:var(--paper);font:inherit;margin-top:7px}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:none}

.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.card:hover,.btn:hover{transform:none}}

@media(max-width:960px){
  .mainnav,.navcta{display:none}
  .hamburger{display:flex}.mobnav:not([hidden]){display:flex}
  .hero{padding:56px 0 64px}
  .hero .wrap{grid-template-columns:1fr;gap:40px}
  .grid-2{grid-template-columns:1fr;gap:36px}
  .grid-3,.grid-4,.stepbar{grid-template-columns:1fr}
  .section{padding:60px 0}
  .cta .box{padding:40px 30px}
  .fgrid{grid-template-columns:1fr 1fr;gap:28px}
}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}.rates th,.rates td{padding:14px 14px;font-size:15.5px}.quote{padding:30px 26px}}
[hidden]{display:none !important}
html,body{overflow-x:hidden}