:root{
  --oranje:#ff4f00; --oranje2:#ff7a00; --donker:#0f1c2e; --donker2:#16283f;
  --grijs:#5b6b7c; --licht:#f4f7fa; --rand:#dfe7ee; --wit:#fff;
  --groen:#0a7d4f; --radius:14px;
  --shadow:0 2px 10px rgba(15,28,46,.07),0 12px 32px rgba(15,28,46,.06);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--donker);background:var(--wit);line-height:1.55;font-size:16.5px}
a{color:var(--oranje);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
/* header */
header.site{background:var(--donker);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.18)}
header.site .wrap{display:flex;align-items:center;gap:26px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
.logo{font-size:1.45rem;font-weight:800;color:#fff;letter-spacing:-.5px}
.logo span{color:var(--oranje2)}
.logo small{display:block;font-size:.68rem;font-weight:500;color:#b9c8d8;letter-spacing:.4px}
nav.main{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}
nav.main a{color:#dbe6f2;padding:8px 12px;border-radius:9px;font-size:.95rem;font-weight:600}
nav.main a:hover,nav.main a.actief{background:rgba(255,255,255,.12);color:#fff;text-decoration:none}
/* hero */
.hero{background:linear-gradient(135deg,var(--donker),var(--donker2) 55%,#274b73);color:#fff;padding:44px 0 10px}
.hero h1{font-size:2.15rem;line-height:1.18;letter-spacing:-.5px;max-width:760px}
.hero h1 em{font-style:normal;color:var(--oranje2)}
.hero p.lead{color:#c9d8e8;max-width:700px;margin-top:12px;font-size:1.06rem}
.badge{display:inline-block;background:rgba(255,122,0,.16);color:#ffb37a;border:1px solid rgba(255,122,0,.45);padding:4px 12px;border-radius:99px;font-size:.8rem;font-weight:700;margin-bottom:14px}
/* calculator card */
.calc{background:#fff;border:1px solid var(--rand);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;margin:26px 0}
.calc h2{font-size:1.25rem;margin-bottom:16px}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 22px}
.field label{display:block;font-weight:600;font-size:.93rem;margin-bottom:6px}
.field input[type=number],.field input[type=text],.field select{width:100%;padding:12px 14px;border:1.5px solid var(--rand);border-radius:10px;font-size:1.02rem;background:#fbfcfe}
.field input:focus,.field select:focus{outline:none;border-color:var(--oranje);background:#fff}
.field .suffix{color:var(--grijs);font-size:.85rem;margin-top:4px}
.check{display:flex;align-items:center;gap:10px;padding:10px 0}
.check input{width:20px;height:20px;accent-color:var(--oranje)}
.check label{font-weight:600;font-size:.95rem}
button.btn{background:linear-gradient(135deg,var(--oranje),var(--oranje2));color:#fff;border:none;padding:15px 34px;border-radius:11px;font-size:1.08rem;font-weight:800;cursor:pointer;margin-top:18px;box-shadow:0 6px 18px rgba(255,79,0,.32)}
button.btn:hover{filter:brightness(1.06)}
.result{display:none;margin-top:22px;border-top:2px dashed var(--rand);padding-top:18px}
.result h3{font-size:1.12rem;margin-bottom:10px;color:var(--donker)}
table.res{width:100%;border-collapse:collapse}
table.res td{padding:10px 8px;border-bottom:1px solid var(--licht);font-size:1rem}
table.res td:last-child{text-align:right;font-weight:700;white-space:nowrap}
table.res tr.totaal td{font-size:1.13rem;color:var(--oranje);border-bottom:none}
.note{background:#fff8f1;border:1px solid #ffd9bd;border-radius:10px;padding:12px 15px;font-size:.9rem;color:#7a4a21;margin-top:16px}
/* content */
main{padding:30px 0 10px}
.crumb{font-size:.87rem;color:var(--grijs);margin-bottom:8px}
.crumb a{color:var(--grijs)}
h1.page{font-size:1.9rem;letter-spacing:-.4px;line-height:1.22}
p.intro{color:#33475e;font-size:1.05rem;margin:12px 0 4px;max-width:820px}
section.uitleg{max-width:820px;margin:8px 0 26px}
section.uitleg h2{font-size:1.35rem;margin:24px 0 10px}
section.uitleg p{margin-bottom:12px;color:#2c3e52}
section.uitleg ul{margin:0 0 12px 22px;color:#2c3e52}
.faq{max-width:820px;margin:10px 0 30px}
.faq h2{font-size:1.35rem;margin-bottom:12px}
.faq details{border:1px solid var(--rand);border-radius:11px;padding:14px 18px;margin-bottom:10px;background:#fbfcfe}
.faq summary{font-weight:700;cursor:pointer}
.faq details p{margin-top:8px;color:#2c3e52}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(243px,1fr));gap:16px;margin:18px 0 30px}
.card{display:block;background:#fff;border:1px solid var(--rand);border-radius:var(--radius);padding:20px;color:var(--donker);box-shadow:0 1px 4px rgba(15,28,46,.04);transition:.15s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);text-decoration:none;border-color:#ffc9a3}
.card .ic{font-size:1.7rem}
.card h3{font-size:1.05rem;margin:8px 0 5px}
.card p{font-size:.9rem;color:var(--grijs)}
.cathead{display:flex;align-items:baseline;gap:12px;margin:34px 0 4px}
.cathead h2{font-size:1.45rem}
.cathead a{font-weight:600;font-size:.95rem}
.disclaimer{font-size:.86rem;color:var(--grijs);border-top:1px solid var(--rand);padding:16px 0;margin-top:10px;max-width:900px}
/* footer */
footer.site{background:var(--donker);color:#c9d8e8;margin-top:44px;padding:38px 0 0}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px}
footer.site h4{color:#fff;font-size:1rem;margin-bottom:12px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:7px}
footer.site a{color:#c9d8e8;font-size:.93rem}
footer.site a:hover{color:#fff}
footer .bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:30px;padding:16px 0;font-size:.87rem;display:flex;gap:18px;flex-wrap:wrap;justify-content:space-between}
.stripe{height:5px;background:linear-gradient(90deg,#ae1c28 0 33%,#fff 33% 66%,#21468b 66% 100%)}
@media(max-width:720px){
  .grid{grid-template-columns:1fr}
  .hero h1{font-size:1.6rem}
  h1.page{font-size:1.5rem}
  header.site .wrap{gap:10px}
  nav.main{margin-left:0}
  body{font-size:16px}
  button.btn{width:100%}
}