/*
Theme Name: VvE-Verzekering.nl
Theme URI: https://vve-verzekering.nl
Author: Raak Reclame
Description: Maatwerkthema voor VvE-Verzekering.nl, gebouwd naar het goedgekeurde ontwerp (Home v2). Geen page builder; alle secties in eigen templates.
Version: 1.0.0
Requires PHP: 8.0
Text Domain: vve-verzekering
*/

/* Zelf-gehost: Archivo (variabel, OFL-licentie) en Kelson Sans.
   LET OP: Kelson-webfontlicentie nog regelen of definitief op Archivo terugvallen. */
@font-face {
  font-family: 'Archivo';
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
  src: url('assets/fonts/archivo-var.woff2') format('woff2');
}
@font-face {
  font-family: 'Kelson Sans';
  font-weight: 400;
  font-style: normal;
  font-display: swap;
  src: url('assets/fonts/kelson-400.woff2') format('woff2');
}
@font-face {
  font-family: 'Kelson Sans';
  font-weight: 600 900;
  font-style: normal;
  font-display: swap;
  src: url('assets/fonts/kelson-700.woff2') format('woff2');
}
/* ==========================================================================
   vve-verzekering.nl — homepage
   Gebouwd naar design_handoff_vve_home (Home v2 Kelson, desktop 1440)
   ========================================================================== */


:root {
  /* Kleuren (design tokens uit handoff) */
  --blauw: #03558A;
  --blauw-hover: #023A5E;
  --footer-blauw: #00548E; /* het blauw van het logo (gesampled uit logo.png) */
  --tekst: #22303C;
  --tekst-secundair: #4A5B69;
  --tekst-gedempt: #8296A5;
  --vlak-licht: #F3F7FA;
  --rand: #D7E1E9;
  --rand-licht: #E1E8EE;
  --rand-input: #B7C6D2;
  --label-verplicht: #E4EEF5;
  --label-keuze: #EDF1F4;
  --groen: #3C763D;
  --licht-op-blauw: #D9E6F0;
  --licht-op-blauw-2: #9FB8C9;
  --footer-kop: #6E8FA5;

  --font: 'Kelson Sans', Archivo, sans-serif;
  --schaduw-kaart: 0 8px 32px rgba(2, 42, 68, 0.35);
  --radius-knop: 4px;
  --radius-kaart: 6px;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: #fff;
  font-family: var(--font);
  color: var(--tekst);
  font-size: 17px;
  line-height: 1.6;
}

html { scroll-behavior: smooth; }

h1, h2, h3 { font-family: var(--font); }

a { color: var(--blauw); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--blauw-hover); }

img { max-width: 100%; }

input::placeholder { color: #9AAAB8; font-size: 15px; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding-left: 40px;
  padding-right: 40px;
}

/* --------------------------------------------------------------------------
   Knoppen
   -------------------------------------------------------------------------- */
.btn {
  display: inline-block;
  background: var(--blauw);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 14px;
  padding: 9px 16px;
  border-radius: var(--radius-knop);
  border: 0;
  cursor: pointer;
  font-family: var(--font);
}
.btn:hover { background: var(--blauw-hover); color: #fff; }

.btn__pijl {
  display: inline-block;
  margin-left: 4px;
  transition: transform 0.18s ease;
}
.btn:hover .btn__pijl { transform: translateX(3px); }

/* Zachte puls op de primaire actieknoppen */
@keyframes btn-puls {
  0% { box-shadow: 0 0 0 0 rgba(3, 85, 138, 0.45); }
  70% { box-shadow: 0 0 0 12px rgba(3, 85, 138, 0); }
  100% { box-shadow: 0 0 0 0 rgba(3, 85, 138, 0); }
}
.btn--puls { animation: btn-puls 2.2s ease-out infinite; }

.btn--groot {
  display: block;
  width: 100%;
  text-align: center;
  font-weight: 700;
  font-size: 18px;
  padding: 14px;
}

/* Secundaire knop: blauwe rand, wit vlak */
.btn--lijn {
  background: #fff;
  color: var(--blauw);
  border: 1px solid var(--blauw);
  padding: 11px 20px;
  font-size: 15px;
}
.btn--lijn:hover {
  background: var(--vlak-licht);
  color: var(--blauw-hover);
  border-color: var(--blauw-hover);
}

/* CTA-regel onder een sectie */
.sectie__cta {
  text-align: center;
  margin-top: 44px;
}
.sectie__cta .btn {
  font-weight: 700;
  font-size: 17px;
  padding: 13px 28px;
}
.sectie__cta p {
  font-size: 14px;
  color: var(--tekst-secundair);
  margin: 10px 0 0;
}

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.site-header {
  border-bottom: 1px solid var(--rand-licht);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 30;
  transition: box-shadow 0.2s ease;
}
.site-header.is-gescrold { box-shadow: 0 4px 18px rgba(2, 42, 68, 0.1); }
.is-gescrold .site-header__inner { padding-top: 8px; padding-bottom: 8px; }
#premieformulier { scroll-margin-top: 90px; }

.site-header__inner {
  display: flex;
  align-items: center;
  gap: 32px;
  padding-top: 12px;
  padding-bottom: 12px;
  transition: padding 0.2s ease;
}

.site-header__logo { display: flex; align-items: center; text-decoration: none; }
.site-header__logo img { height: 44px; display: block; }

.site-nav {
  display: flex;
  gap: 22px;
  margin-left: auto;
  align-items: center;
}
.site-nav a { text-decoration: none; color: var(--tekst); font-size: 15px; white-space: nowrap; }
.menu-knop {
  display: none;
  margin-left: auto;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 1px solid var(--rand);
  border-radius: var(--radius-knop);
  background: #fff;
  color: var(--blauw);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.menu-knop svg { width: 22px; height: 22px; }
.menu-knop {
  width: auto;
  gap: 8px;
  padding: 0 14px 0 12px;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 700;
}
.site-nav a:hover { color: var(--blauw-hover); }
.site-nav .site-nav__tel { color: var(--blauw); font-weight: 600; }
.tel-icoon { width: 14px; height: 14px; vertical-align: -2px; margin-right: 5px; }
.site-nav a.btn { color: #fff; } /* wint anders van de nav-linkkleur */
.site-nav a.btn:hover { color: #fff; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  background: var(--blauw);
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
/* Links effen blauw voor de tekst; rechts loopt de gebouwfoto zacht het blauw in */
.hero__bg {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 32%;
  pointer-events: none;
  z-index: 1;
  -webkit-mask-image: linear-gradient(to right, transparent 0, #000 45%);
  mask-image: linear-gradient(to right, transparent 0, #000 45%);
}
.hero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transform-origin: 60% 45%;
  animation: hero-zoom 28s ease-in-out infinite alternate; /* heel langzaam inzoomen */
}
.hero__bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(3, 85, 138, 0.5);
}
.hero__overlay { display: none; }
@keyframes hero-zoom {
  from { transform: scale(1); }
  to { transform: scale(1.08); }
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 72px;
  padding-top: 64px;
  padding-bottom: 64px; /* evenveel ruimte onder de formulierkaart als erboven */
  align-items: stretch;
  position: relative;
  z-index: 2;
}
/* Intro direct onder de titel; Kifid en AFM onderaan het blok */
.hero__tekst {
  display: flex;
  flex-direction: column;
  gap: 22px;
  padding: 8px 0;
}
.hero__trust { margin-top: auto; }
.hero__tekst h1 {
  font-size: 42px;
  line-height: 1.12;
  font-weight: 800;
  color: #fff;
  margin: 0;
  text-wrap: pretty;
}
/* Streep onder "20 jaar" die zich na het laden tekent */
.hero__accent { position: relative; white-space: nowrap; }
.hero__streep {
  position: absolute;
  left: 0;
  bottom: -5px;
  width: 100%;
  height: 10px;
  overflow: visible;
}
.hero__streep path {
  fill: none;
  stroke: rgba(255, 255, 255, 0.75);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-dasharray: 1;
  stroke-dashoffset: 0;
}
html.js .hero__streep path { stroke-dashoffset: 1; animation: streep-in 0.7s ease-out 0.8s forwards; }
@keyframes streep-in { to { stroke-dashoffset: 0; } }
.hero__intro {
  font-size: 18px;
  color: var(--licht-op-blauw);
  margin: 0;
  max-width: 32em;
}
.hero__trust {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
}
/* Kifid-logo via CSS-filter wit gemaakt; in productie witte logovariant gebruiken */
.hero__kifid { height: 30px; display: block; filter: brightness(0) invert(1); }
.hero__chip {
  position: relative;
  font-size: 13px;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.08);
  border-radius: 4px;
  padding: 6px 10px 6px 28px;
}
a.hero__chip {
  color: #fff;
  text-decoration: none;
  padding-right: 26px;
  transition: background 0.18s ease, border-color 0.18s ease;
}
a.hero__chip:hover, a.hero__chip:focus-visible {
  color: #fff;
  background: rgba(255, 255, 255, 0.18);
  border-color: rgba(255, 255, 255, 0.6);
}
/* Pijltje: opent het AFM-register in een nieuw venster */
a.hero__chip::after {
  content: "";
  position: absolute;
  right: 8px;
  top: 50%;
  width: 11px;
  height: 11px;
  margin-top: -5px;
  opacity: 0.8;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M7 17L17 7M9 7h8v8'/%3E%3C/svg%3E") center / 11px no-repeat;
}
.hero__chip::before {
  content: "";
  position: absolute;
  left: 9px;
  top: 50%;
  width: 13px;
  height: 13px;
  margin-top: -6px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.5' 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;
}

/* Formulierkaart (valt 64px over de volgende sectie) */
.formkaart {
  background: #fff;
  border-radius: var(--radius-kaart);
  box-shadow: var(--schaduw-kaart);
  padding: 28px 28px 24px;
  position: relative;
  z-index: 2;
}
.formkaart h2 {
  font-size: 20px;
  font-weight: 700;
  color: var(--blauw);
  margin: 0 0 16px;
}

.stappenbalk {
  display: flex;
  gap: 8px;
  margin-bottom: 22px;
  align-items: center;
}
.stappenbalk__stap {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 14px;
  color: var(--tekst-gedempt);
}
.stappenbalk__stap--actief { font-weight: 600; color: var(--blauw); }
.stappenbalk__nr {
  border: 1px solid #C4D2DD;
  color: var(--tekst-gedempt);
  width: 22px;
  height: 22px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}
.stappenbalk__stap--actief .stappenbalk__nr {
  background: var(--blauw);
  border-color: var(--blauw);
  color: #fff;
}
.stappenbalk__lijn { flex: 1; height: 1px; background: var(--rand); }

.veldrij {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 14px;
}
.veld { display: block; font-size: 15px; font-weight: 600; color: var(--tekst); }
.veld input {
  margin-top: 6px;
  width: 100%;
  border: 1px solid var(--rand-input);
  border-radius: 4px;
  padding: 11px 12px;
  font-size: 17px;
  font-family: var(--font);
  color: var(--tekst);
}
.veld input:focus {
  outline: 2px solid var(--blauw);
  outline-offset: -1px;
}
.veld--marge { margin-bottom: 14px; }

.formkaart__hint { font-size: 14px; color: var(--tekst-secundair); margin: 6px 0 18px; }
.formkaart__bellen { font-size: 15px; color: var(--tekst-secundair); text-align: center; margin: 14px 0 0; }
.formkaart__bellen a { font-weight: 600; }

/* --------------------------------------------------------------------------
   Beweging: hero-entree en elementen die in beeld schuiven bij het scrollen
   (alleen met JavaScript actief; uit bij prefers-reduced-motion)
   -------------------------------------------------------------------------- */
@keyframes fade-omhoog {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: none; }
}
html.js .hero__tekst > * { animation: fade-omhoog 0.55s ease both; }
html.js .hero__tekst > *:nth-child(2) { animation-delay: 0.1s; }
html.js .hero__tekst > *:nth-child(3) { animation-delay: 0.2s; }
html.js .hero__tekst > *:nth-child(4) { animation-delay: 0.3s; }
html.js .hero .formkaart { animation: fade-omhoog 0.55s ease 0.15s both; }

html.js .anim-wacht {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
html.js .anim-wacht.zichtbaar { opacity: 1; transform: none; }

/* --------------------------------------------------------------------------
   Secties algemeen
   -------------------------------------------------------------------------- */
.sectie { padding-top: 80px; }
.sectie--eerste { padding-top: 80px; }
.sectie h2 {
  font-size: 28px;
  line-height: 1.2;
  font-weight: 700;
  color: var(--blauw);
  margin: 0 0 32px;
}
.sectie__sub {
  font-size: 17px;
  color: var(--tekst-secundair);
  margin: -24px 0 36px; /* 8px onder de kop */
  max-width: 44em;
}

/* --------------------------------------------------------------------------
   Verzekeringen (4 kaarten)
   -------------------------------------------------------------------------- */
.verzekeringen {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

/* Uitklapbaar tweede rijtje verzekeringen */
.verzekeringen--extra {
  margin-top: 20px;
  display: none;
}
.verzekeringen--extra.open {
  display: grid;
  animation: extra-in 0.4s ease;
}
@keyframes extra-in {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: none; }
}
.verzekeringen__toggle {
  text-align: center;
  margin-top: 28px;
}
.verzekeringen__toggle .btn__pijl { transition: transform 0.18s ease; }
.verzekeringen__toggle button[aria-expanded="true"] .btn__pijl { transform: rotate(180deg); }
.vkaart {
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.vkaart:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1);
}
.vkaart__kop {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.vkaart__label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--blauw);
  background: var(--label-verplicht);
  padding: 3px 8px;
  border-radius: 3px;
}
.vkaart__label--keuze {
  color: var(--tekst-secundair);
  background: var(--label-keuze);
}
.vkaart h3 { font-size: 20px; font-weight: 700; color: var(--tekst); margin: 6px 0 0; }
.vkaart p { font-size: 16px; margin: 0; flex: 1; }
.vkaart a { font-size: 16px; font-weight: 600; }

/* Pijltje achter "Lees over ..." dat meebeweegt bij hover */
.geenafbreek { white-space: nowrap; }
.linkpijl {
  display: inline-block;
  margin-left: 3px;
  transition: transform 0.18s ease;
}
a:hover .linkpijl { transform: translateX(4px); }

/* --------------------------------------------------------------------------
   Zo werkt het (4 stappen)
   -------------------------------------------------------------------------- */
.stappen {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.stap { display: flex; flex-direction: column; gap: 14px; }

.stap__cirkel { transition: transform 0.2s ease; }
.stap:hover .stap__cirkel { transform: scale(1.1); }
.stap__kop { display: flex; align-items: center; gap: 12px; }
.stap__cirkel {
  background: var(--blauw);
  color: #fff;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 700;
  flex-shrink: 0;
}
.stap__cirkel--groen { background: var(--groen); }
.stap__cirkel--telefoon {
  background: #fff;
  border: 2px solid var(--blauw);
  color: var(--blauw);
}

/* Cijfercirkels pulseren zachtjes, om de beurt */
@keyframes cirkel-puls {
  0% { box-shadow: 0 0 0 0 rgba(3, 85, 138, 0.35); }
  70% { box-shadow: 0 0 0 10px rgba(3, 85, 138, 0); }
  100% { box-shadow: 0 0 0 0 rgba(3, 85, 138, 0); }
}
.stap__cirkel:not(.stap__cirkel--groen):not(.stap__cirkel--telefoon) {
  animation: cirkel-puls 2.4s ease-out infinite;
}
.stap:nth-child(2) .stap__cirkel { animation-delay: 0.4s; }

/* Stippellijn die richting de volgende stap beweegt */
.stap__lijn {
  flex: 1;
  height: 2px;
  background-image: repeating-linear-gradient(90deg, var(--rand-input) 0 6px, transparent 6px 12px);
  animation: lijn-loop 1.4s linear infinite;
}
@keyframes lijn-loop {
  to { background-position-x: 12px; }
}
.stap:nth-child(3) .stap__lijn { display: none; }
.stap h3 { font-size: 18px; font-weight: 700; margin: 0; }
.stap p { font-size: 16px; margin: 0; color: var(--tekst-secundair); }
.stap--adviseur {
  background: var(--vlak-licht);
  border-radius: var(--radius-kaart);
  padding: 20px;
  margin: -20px;
  margin-left: 0;
}

/* --------------------------------------------------------------------------
   Wat kost het ongeveer? (rekenblok)
   -------------------------------------------------------------------------- */
.rekenblok {
  background: var(--vlak-licht);
  border-radius: var(--radius-kaart);
  padding: 44px 48px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 56px;
  align-items: center;
}
.rekenblok h2 { margin-bottom: 10px; }
.rekenblok__intro { font-size: 17px; margin: 0 0 28px; max-width: 36em; }
.rekenblok__sliderlabel {
  display: block;
  font-size: 16px;
  font-weight: 600;
  color: var(--tekst);
  margin-bottom: 8px;
}
.rekenblok input[type="range"] {
  width: 100%;
  max-width: 420px;
  accent-color: var(--blauw);
}
.rekenblok__schaal {
  display: flex;
  justify-content: space-between;
  max-width: 420px;
  font-size: 14px;
  color: var(--tekst-gedempt);
}
.rekenblok__disclaimer { font-size: 15px; color: var(--tekst-secundair); margin: 20px 0 0; }
.rekenkaart {
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  padding: 28px;
  text-align: center;
}
.rekenkaart__label { font-size: 15px; color: var(--tekst-secundair); margin: 0 0 4px; }
.rekenkaart__herbouw { font-size: 22px; font-weight: 700; color: var(--tekst); margin: 0 0 18px; }
@keyframes waarde-bump {
  0% { transform: scale(1); }
  40% { transform: scale(1.07); }
  100% { transform: scale(1); }
}
.rekenkaart__herbouw.bump { animation: waarde-bump 0.35s ease; }
.rekenkaart__tekst { font-size: 15px; color: var(--tekst-secundair); margin: 0; }
.rekenkaart__tekst strong { color: var(--tekst); }
.rekenkaart .btn { margin-top: 20px; }

/* --------------------------------------------------------------------------
   Klantverhalen (3 kaarten)
   -------------------------------------------------------------------------- */
.klanten {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.klant {
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.klant:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1);
}
.klant__foto { height: 180px; overflow: hidden; }
.klant__foto img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.45s ease; }
.klant:hover .klant__foto img { transform: scale(1.05); }
.klant__body {
  padding: 22px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex: 1;
}
.klant__citaat { font-size: 16px; margin: 0; flex: 1; }
.klant__naam { font-size: 15px; color: var(--tekst-secundair); margin: 0; }
.klant__naam strong { color: var(--tekst); }

/* --------------------------------------------------------------------------
   Team: deze mensen krijgt u aan de lijn
   -------------------------------------------------------------------------- */
.team {
  background: var(--vlak-licht);
  border-radius: var(--radius-kaart);
  padding: 44px 48px;
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 56px;
  align-items: center;
}
.team h2 { margin-bottom: 10px; }
.team__intro { font-size: 17px; margin: 0 0 14px; max-width: 30em; }
.team__noot { font-size: 15px; color: var(--tekst-secundair); margin: 0 0 26px; max-width: 30em; }
.team__bellen { font-weight: 700; font-size: 16px; padding: 12px 22px; }
.team__bellen .tel-icoon { width: 16px; height: 16px; margin-right: 8px; }

.team__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  align-items: stretch;
}
.team__kaart {
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  padding: 22px 16px 18px;
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.team__kaart:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1);
}
.team__foto {
  width: 108px;
  height: 108px;
  border-radius: 50%;
  display: block;
  margin: 0 auto 12px;
  box-shadow: 0 4px 14px rgba(2, 42, 68, 0.14);
  transition: transform 0.25s ease;
}
.team__kaart:hover .team__foto { transform: scale(1.06); }
.team__naam { font-size: 16px; font-weight: 700; margin: 0; }
.team__rol { font-size: 14px; color: var(--tekst-secundair); margin: 3px 0 0; line-height: 1.45; }

/* --------------------------------------------------------------------------
   FAQ
   -------------------------------------------------------------------------- */
.faq-sectie {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: 64px;
  align-items: start;
}
.faq-kop { position: sticky; top: 32px; }
.faq-kop h2 { margin-bottom: 12px; }
.faq { display: flex; flex-direction: column; gap: 12px; }
.faq details {
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  background: #fff;
  padding: 0 22px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.faq details:hover { border-color: var(--rand-input); }
.faq details[open] {
  border-color: var(--blauw);
  box-shadow: 0 6px 18px rgba(2, 42, 68, 0.08);
}
.faq summary {
  cursor: pointer;
  font-size: 18px;
  font-weight: 600;
  color: var(--tekst);
  padding: 18px 0;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq details[open] summary { color: var(--blauw); }
.faq summary::-webkit-details-marker { display: none; }
.faq__teken {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--label-verplicht);
  color: var(--blauw);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 400;
  font-size: 17px;
  transition: background 0.2s ease, color 0.2s ease;
}
.faq details[open] .faq__teken { background: var(--blauw); color: #fff; }
.faq details[open] summary .faq__teken::before { content: "\2212"; } /* − */
.faq details:not([open]) summary .faq__teken::before { content: "+"; }
.faq p { font-size: 17px; margin: 0 0 20px; max-width: 40em; }
.faq__cta {
  font-size: 17px;
  color: var(--tekst-secundair);
  margin: 0;
  max-width: 24em;
}

/* --------------------------------------------------------------------------
   CTA-band
   -------------------------------------------------------------------------- */
.cta {
  background: var(--blauw);
  margin-top: 88px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
/* Zelfde opzet als de hero: foto rechts, zacht overlopend in het blauw */
.cta__bg {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 32%;
  pointer-events: none;
  z-index: 1;
  -webkit-mask-image: linear-gradient(to right, transparent 0, #000 45%);
  mask-image: linear-gradient(to right, transparent 0, #000 45%);
}
.cta__bg img { width: 100%; height: 100%; object-fit: cover; display: block; }
.cta__bg::after { content: ""; position: absolute; inset: 0; background: rgba(3, 85, 138, 0.5); }
.cta__inner {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 72px;
  align-items: center;
  padding-top: 64px;
  padding-bottom: 64px;
  position: relative;
  z-index: 2;
}
.cta__tekst h2 { font-size: 28px; line-height: 1.2; font-weight: 700; color: #fff; margin: 0 0 14px; }
.cta__sub { font-size: 17px; color: var(--licht-op-blauw); margin: 0 0 22px; max-width: 30em; }
.cta__bellen { font-size: 16px; color: #fff; margin: 0; }
.cta__bellen a { color: #fff; font-weight: 700; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer { background: var(--footer-blauw); margin-top: 0; }
.site-footer__inner { padding-top: 72px; }
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 56px;
  font-size: 13px;
  color: var(--licht-op-blauw);
  padding-bottom: 56px;
}
.site-footer__col { display: flex; flex-direction: column; gap: 13px; }
.site-footer__col--info { gap: 18px; }
.site-footer__logo { height: 32px; width: auto; align-self: flex-start; }
.site-footer__col p { margin: 0; line-height: 1.8; }
.site-footer__kop {
  margin: 0 0 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #B7CFE0;
}
.site-footer__col a { text-decoration: none; color: var(--licht-op-blauw); }
.site-footer__col a:hover { color: #fff; }
.site-footer__tel { color: #fff !important; font-weight: 600; font-size: 15px; }
.site-footer__mail { color: var(--licht-op-blauw) !important; }
.site-footer__onderbalk a { color: inherit; text-decoration: underline; text-underline-offset: 3px; }
.site-footer__onderbalk a:hover { color: #fff; }
.site-footer__onderbalk {
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  padding: 26px 0 30px;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  font-size: 12px;
  color: #B7CFE0;
  flex-wrap: wrap;
}

/* Alleen op mobiel zichtbare hero-knop naar het formulier */
.hero__mobielknop { display: none; }

/* ==========================================================================
   Responsief
   (mobiel ontwerp volgt nog als apart scherm; dit is een nette tussenstand)
   ========================================================================== */
@media (max-width: 1080px) {
  .hero__inner { grid-template-columns: 1fr 400px; gap: 48px; }
  .hero__bg { left: 38%; }
  .hero__tekst h1 { font-size: 36px; }
  .verzekeringen { grid-template-columns: repeat(2, 1fr); }
  .stappen { grid-template-columns: repeat(2, 1fr); }
  .stap:nth-child(2) .stap__lijn { display: none; }
  .stap--adviseur { margin: 0; }
  .rekenblok { grid-template-columns: 1fr; gap: 32px; }
  .team { grid-template-columns: 1fr; gap: 36px; }
  .cta__inner { grid-template-columns: 1fr 400px; gap: 48px; }
  .cta__bg { left: 38%; }
  .klanten { grid-template-columns: repeat(2, 1fr); }
  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 760px) {
  .container { padding-left: 20px; padding-right: 20px; }


  .hero__inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding-top: 40px;
    padding-bottom: 48px;
  }
  .hero__tekst { padding: 0; gap: 20px; }
  .hero__tekst h1 { font-size: 32px; }
  .hero__bg {
    left: 0;
    top: 40%;
    -webkit-mask-image: linear-gradient(to bottom, transparent 0, #000 40%);
    mask-image: linear-gradient(to bottom, transparent 0, #000 40%);
  }
  .hero__bg::after { background: rgba(3, 85, 138, 0.55); }
  .hero__mobielknop {
    display: block;
    margin: 0 0 20px;
    background: #fff;
    color: var(--blauw);
  }
  .hero__mobielknop:hover { background: var(--label-verplicht); color: var(--blauw); }

  .sectie { padding-top: 56px; }
  .sectie--eerste { padding-top: 56px; }
  .sectie h2, .cta__tekst h2 { font-size: 24px; }

  .verzekeringen,
  .verzekeringen--extra.open,
  .stappen,
  .klanten { grid-template-columns: 1fr; }
  .stappen { gap: 24px; }
  .stap__lijn { display: none; }

  .rekenblok { padding: 28px 24px; }
  .team { padding: 28px 20px; }
  .team__grid { gap: 12px; }
  .team__kaart { padding: 18px 10px 14px; }
  .team__foto { width: 88px; height: 88px; }

  .faq details { padding: 0 16px; }
  .faq summary { font-size: 17px; padding: 16px 0; }
  .sectie__cta { margin-top: 32px; }

  .cta { margin-top: 56px; }
  .cta__inner { grid-template-columns: 1fr; gap: 32px; padding-top: 48px; padding-bottom: 48px; }
  .cta__bg {
    left: 0;
    top: 40%;
    -webkit-mask-image: linear-gradient(to bottom, transparent 0, #000 40%);
    mask-image: linear-gradient(to bottom, transparent 0, #000 40%);
  }
  .cta__bg::after { background: rgba(3, 85, 138, 0.55); }

  .site-footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .site-footer__onderbalk { flex-direction: column; gap: 8px; }
}

/* Gebruikers die minder beweging willen, krijgen geen puls en geen animaties */
@media (prefers-reduced-motion: reduce) {
  .btn--puls, .rekenkaart__herbouw.bump, .stap__cirkel, .stap__lijn, .hero__bg img { animation: none; }
  html.js .hero__streep path { animation: none; stroke-dashoffset: 0; }
  html.js .hero__tekst > *, html.js .formkaart { animation: none; }
  html.js .anim-wacht { opacity: 1; transform: none; transition: none; }
  .btn__pijl, .linkpijl, .stap__cirkel, .vkaart, .klant, .klant__foto img, .team__kaart, .team__foto { transition: none; }
  .vkaart:hover, .klant:hover, .team__kaart:hover, .team__kaart:hover .team__foto { transform: none; }
  .verzekeringen--extra.open { animation: none; }
  html { scroll-behavior: auto; }
}

/* ==========================================================================
   Subpagina's
   ========================================================================== */
.pagina-kop {
  background: var(--vlak-licht);
  border-bottom: 1px solid var(--rand);
  padding: 40px 0 44px;
}
.kruimelpad { font-size: 14px; color: var(--tekst-secundair); margin-bottom: 14px; }
.kruimelpad a { color: var(--tekst-secundair); text-decoration: none; }
.kruimelpad a:hover { color: var(--blauw); text-decoration: underline; }
.kruimelpad span[aria-hidden] { margin: 0 6px; }
.pagina-kop h1 {
  font-size: 38px;
  line-height: 1.15;
  font-weight: 800;
  color: var(--blauw);
  margin: 0 0 16px;
  text-wrap: pretty;
}
.pagina-kop__intro { font-size: 19px; margin: 0; max-width: 40em; }

.pagina-body {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 64px;
  align-items: start;
  padding-top: 48px;
  padding-bottom: 8px;
}
.pagina-inhoud { max-width: 44em; }
.pagina-inhoud > *:first-child { margin-top: 0; }
.pagina-inhoud h2 {
  font-size: 24px;
  font-weight: 700;
  color: var(--blauw);
  margin: 40px 0 12px;
  line-height: 1.25;
}
.pagina-inhoud h3 { font-size: 19px; font-weight: 700; margin: 28px 0 8px; }
.pagina-inhoud p { margin: 0 0 16px; }
.pagina-inhoud ul { margin: 0 0 18px; padding-left: 0; list-style: none; }
.pagina-inhoud ul li { position: relative; padding-left: 30px; margin-bottom: 8px; }
.pagina-inhoud ul li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 7px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--label-verplicht) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2303558A' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 10px no-repeat;
}
.pagina-inhoud a { font-weight: 600; }

.pagina-zij { position: sticky; top: 24px; }
.zijkaart {
  background: #fff;
  border-radius: var(--radius-kaart);
  box-shadow: var(--schaduw-kaart);
  padding: 26px;
}
.zijkaart__kop { font-size: 20px; font-weight: 700; color: var(--blauw); margin: 0 0 8px; }
.zijkaart__tekst { font-size: 16px; color: var(--tekst-secundair); margin: 0 0 18px; }
.zijkaart__bellen { font-size: 15px; color: var(--tekst-secundair); text-align: center; margin: 14px 0 0; }
.zijkaart__bellen a { font-weight: 600; }

/* Linkkaart in het verzekeringenrijtje */
.vkaart--link {
  background: var(--vlak-licht);
  border-color: var(--vlak-licht);
  text-decoration: none;
  justify-content: center;
  align-items: flex-start;
  color: var(--blauw);
}
.vkaart--link__tekst { font-size: 20px; font-weight: 700; line-height: 1.3; }
.vkaart--link__pijl { font-size: 22px; transition: transform 0.18s ease; }
.vkaart--link:hover .vkaart--link__pijl { transform: translateX(4px); }

@media (max-width: 1080px) {
  .site-header__logo img { height: 38px; }
  .site-header__inner { gap: 20px; }
  .site-nav { gap: 16px; }
  .pagina-body { grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; }
}
@media (max-width: 900px) {
  .pagina-body { grid-template-columns: 1fr; }
  .pagina-zij { position: static; max-width: 460px; }
  .faq-sectie { grid-template-columns: 1fr; gap: 20px; }
  .faq-kop { position: static; }
  .faq-kop h2 { margin-bottom: 8px; }
}

/* Telefoon en tablet: de gewone navigatie maakt plaats voor de menuknop (menu: zie .mm) */
@media (max-width: 1000px) {
  .site-nav--hoofd { display: none; }
  .menu-knop { display: inline-flex; }
}
@media (max-width: 760px) {
  .pagina-kop { padding: 28px 0 32px; }
  .pagina-kop h1 { font-size: 30px; }
  .pagina-kop__intro { font-size: 17px; }
  .pagina-body { padding-top: 32px; }
}
@media (prefers-reduced-motion: reduce) {
  .vkaart--link__pijl { transition: none; }
}

/* ==========================================================================
   Landingspagina's
   ========================================================================== */
.lp-usps { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.lp-usps li {
  position: relative;
  padding-left: 32px;
  color: #fff;
  font-size: 17px;
  font-weight: 600;
}
.lp-usps li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 2px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233C763D' stroke-width='3.5' 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;
}
.lp-inhoud .pagina-inhoud { max-width: 46em; }

/* ==========================================================================
   Kennisbank
   ========================================================================== */
.kennis-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.kennis-kaart {
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-decoration: none;
  color: var(--tekst);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.kennis-kaart:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1);
  border-color: var(--rand-input);
  color: var(--tekst);
}
.kennis-kaart__titel { font-size: 19px; font-weight: 700; color: var(--blauw); margin: 0; line-height: 1.3; }
.kennis-kaart__tekst { font-size: 16px; color: var(--tekst-secundair); margin: 0; flex: 1; }
.kennis-kaart__lees { font-size: 15px; font-weight: 600; color: var(--blauw); }
.kennis-kaart:hover .linkpijl { transform: translateX(4px); }
.kennis-meta { font-size: 14px; color: var(--tekst-secundair); margin: 14px 0 0; }
.kennis-gerelateerd {
  margin-top: 32px !important;
  padding: 18px 20px;
  background: var(--vlak-licht);
  border-radius: var(--radius-kaart);
}
@media (max-width: 1080px) { .kennis-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 760px) { .kennis-grid { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) { .kennis-kaart { transition: none; } .kennis-kaart:hover { transform: none; } }

/* ==========================================================================
   Verzekeringenoverzicht: header met gebouwtekening en zeven tegels
   ========================================================================== */
.hero--plaat .hero__inner {
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.25fr);
  grid-template-areas: "tekst beeld" "tegels tegels";
  align-items: center;
  row-gap: 40px;
  column-gap: 48px;
  padding-bottom: 56px;
}
.hero--plaat .hero__tekst { grid-area: tekst; padding: 0; }
.hero--plaat .plaat__beeld { grid-area: beeld; }
.kruimelpad--wit { margin-bottom: 0; }
.kruimelpad--wit, .kruimelpad--wit a { color: var(--licht-op-blauw-2); }
.kruimelpad--wit a:hover { color: #fff; }
html.js .hero--plaat .plaat__beeld { animation: fade-omhoog 0.55s ease 0.15s both; }
.plaat__beeld svg { width: 100%; height: auto; display: block; overflow: visible; }

/* Aanwijspunten: rustig wit rondje met icoon; de ring verschijnt alleen bij aanwijzen */
.plaat-punt { cursor: pointer; }
.plaat-punt:focus { outline: none; }
.plaat-punt__bol { fill: #fff; transition: fill 0.18s ease; }
.plaat-punt__icoon { pointer-events: none; }
.plaat-punt__ring {
  fill: none;
  stroke: #fff;
  stroke-width: 2;
  opacity: 0;
  transform-box: fill-box;
  transform-origin: center;
  transform: scale(0.7);
  transition: opacity 0.18s ease, transform 0.18s ease;
}
.plaat-punt.actief .plaat-punt__ring,
.plaat-punt:focus-visible .plaat-punt__ring { opacity: 0.9; transform: none; }
.plaat-punt.actief .plaat-punt__bol { fill: var(--label-verplicht); }
.plaat--gekozen .plaat-punt:not(.actief) { opacity: 0.5; }
.plaat-punt { transition: opacity 0.18s ease; }

/* Zeven tegels onder de tekening */
.plaat-tegels {
  grid-area: tegels;
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(7, minmax(0, 1fr));
  gap: 10px;
}
.plaat-tegel {
  height: 100%;
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 14px 14px 16px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-kaart);
  background: rgba(255, 255, 255, 0.06);
  color: #fff;
  text-decoration: none;
  transition: background 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}
.plaat-tegel:hover, .plaat-tegel.actief, .plaat-tegel:focus-visible {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.5);
  color: #fff;
  transform: translateY(-2px);
}
.plaat-tegel__kop { display: flex; align-items: center; justify-content: space-between; gap: 6px; margin-bottom: 6px; }
.plaat-tegel__icoon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex: none;
}
.plaat-tegel__label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--blauw);
  background: var(--label-verplicht);
  padding: 3px 6px;
  border-radius: 3px;
}
.plaat-tegel__naam { font-size: 15px; font-weight: 700; line-height: 1.25; hyphens: manual; }
.plaat-tegel__wat { font-size: 13px; line-height: 1.35; color: var(--licht-op-blauw); }

/* Kaarten */
.vkaart__icoon {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--label-verplicht);
  display: flex;
  align-items: center;
  justify-content: center;
}
.vgroot {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.vgroot__kaart {
  border: 1px solid var(--rand);
  border-top: 4px solid var(--blauw);
  border-radius: var(--radius-kaart);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  scroll-margin-top: 100px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.vgroot__kaart:hover { transform: translateY(-4px); box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1); }
.vgroot__kop { display: flex; justify-content: space-between; align-items: center; }
.vgroot__icoon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--label-verplicht);
  display: flex;
  align-items: center;
  justify-content: center;
}
.vgroot__kaart h3 { font-size: 22px; font-weight: 700; margin: 4px 0 0; color: var(--tekst); }
.vgroot__kaart p { margin: 0; flex: 1; }
.dekking-chips { list-style: none; padding: 0; margin: 4px 0; display: flex; flex-wrap: wrap; gap: 8px; }
.dekking-chips li {
  font-size: 14px;
  font-weight: 600;
  color: var(--blauw);
  background: var(--vlak-licht);
  border: 1px solid var(--rand);
  border-radius: 999px;
  padding: 5px 12px 5px 30px;
  position: relative;
}
.dekking-chips li::before {
  content: "";
  position: absolute;
  left: 9px;
  top: 50%;
  width: 14px;
  height: 14px;
  margin-top: -7px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233C763D' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 14px no-repeat;
}
.vgroot__link { font-weight: 600; }

.verzekeringen--drie { grid-template-columns: repeat(3, 1fr); }
.verzekeringen--drie .vkaart { scroll-margin-top: 100px; }
.vkaart--cta { background: var(--blauw); border-color: var(--blauw); color: #fff; gap: 12px; }
.vkaart--cta:hover { color: #fff; }
.vkaart--cta .vkaart--link__tekst { color: #fff; }
.vkaart--cta__sub { font-size: 15px; color: var(--licht-op-blauw); }
.vkaart--cta .btn { background: #fff; color: var(--blauw); margin-top: 6px; }
.vkaart--cta:hover .btn { background: var(--label-verplicht); }
.vkaart--cta .btn--puls { animation-name: btn-puls-wit; }
@keyframes btn-puls-wit {
  0% { box-shadow: 0 0 0 0 rgba(255, 255, 255, 0.5); }
  70%, 100% { box-shadow: 0 0 0 12px rgba(255, 255, 255, 0); }
}

/* Gemarkeerde kaart na klik op een aanwijspunt */
@keyframes kaart-flits {
  0% { box-shadow: 0 0 0 0 rgba(3, 85, 138, 0.45); }
  100% { box-shadow: 0 0 0 14px rgba(3, 85, 138, 0); }
}
.vgroot__kaart:target, .vkaart:target { border-color: var(--blauw); animation: kaart-flits 1s ease-out 2; }

@media (max-width: 1080px) {
  .verzekeringen--drie { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
}
@media (max-width: 760px) {
  .vgroot { grid-template-columns: 1fr; }
  .vgroot__kaart { padding: 22px; }
  .verzekeringen--drie { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  .vgroot__kaart:target, .vkaart:target { animation: none; }
  html.js .hero--plaat .plaat__beeld { animation: none; }
  .vgroot__kaart, .plaat-tegel, .plaat-punt, .plaat-punt__bol, .plaat-punt__ring { transition: none; }
  .plaat-tegel:hover, .plaat-tegel.actief { transform: none; }
  .vgroot__kaart:hover { transform: none; }
}

/* ==========================================================================
   Schade melden
   ========================================================================== */
.schadeformulier {
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  padding: 32px;
}
.schade-groep { border: 0; padding: 0; margin: 0 0 32px; display: flex; flex-direction: column; gap: 14px; min-width: 0; }
.schade-groep .veldrij { margin-bottom: 0; }
.schade-groep legend {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 20px;
  font-weight: 700;
  color: var(--blauw);
  padding: 0;
  margin-bottom: 16px;
}
.schade-groep__nr {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--blauw);
  color: #fff;
  font-size: 16px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.veld textarea,
.veld input[type="date"] {
  margin-top: 6px;
  width: 100%;
  border: 1px solid var(--rand-input);
  border-radius: 4px;
  padding: 11px 12px;
  font-size: 17px;
  font-family: var(--font);
  color: var(--tekst);
  background: #fff;
}
.veld textarea { resize: vertical; min-height: 140px; line-height: 1.5; }
.veld textarea::placeholder { color: #9AAAB8; font-size: 15px; }
.veld textarea:focus, .veld input[type="date"]:focus { outline: 2px solid var(--blauw); outline-offset: -1px; }
.veld__optioneel { font-weight: 400; color: var(--tekst-gedempt); font-size: 14px; }
.veld--fout input, .veld--fout textarea { border-color: #B3261E; }
.veld__fout { display: block; font-size: 14px; font-weight: 600; color: #B3261E; margin-top: 4px; }
.schade-foutmelding {
  border-left: 4px solid #B3261E;
  background: #FBEDEC;
  padding: 12px 16px;
  margin-bottom: 24px;
  font-weight: 600;
  border-radius: 0 4px 4px 0;
}

.upload {
  position: relative;
  margin-top: 6px;
  border: 2px dashed var(--rand-input);
  border-radius: var(--radius-kaart);
  background: var(--vlak-licht);
  padding: 26px 16px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-align: center;
  transition: border-color 0.18s ease, background 0.18s ease;
}
.upload input[type="file"] {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  cursor: pointer;
}
.upload:hover, .upload.sleep { border-color: var(--blauw); background: var(--label-verplicht); }
.upload:focus-within { outline: 2px solid var(--blauw); outline-offset: 2px; }
.upload__tekst { font-size: 16px; font-weight: 400; }
.upload__tekst strong { color: var(--blauw); text-decoration: underline; text-underline-offset: 3px; }
.upload__hint { font-size: 14px; font-weight: 400; color: var(--tekst-secundair); }
.upload__lijst { list-style: none; padding: 0; margin: 12px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.upload__lijst:empty { display: none; }
.upload__lijst li {
  position: relative;
  width: 88px;
  height: 88px;
  border-radius: var(--radius-kaart);
  overflow: hidden;
  border: 1px solid var(--rand);
  background: var(--vlak-licht);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: var(--blauw);
}
.upload__lijst img { width: 100%; height: 100%; object-fit: cover; display: block; }
.upload__weg {
  position: absolute;
  top: 4px;
  right: 4px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  border: 0;
  background: rgba(34, 48, 60, 0.8);
  color: #fff;
  font-size: 16px;
  line-height: 1;
  cursor: pointer;
}

.schade-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.schade-verstuur { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.schade-verstuur .btn[disabled] { opacity: 0.7; cursor: wait; }
.schade-privacy { font-size: 14px; color: var(--tekst-secundair); margin: 0; }

.schade-zij__bel { display: flex; align-items: center; width: 100%; justify-content: center; }
.schade-zij__bel .tel-icoon { width: 18px; height: 18px; margin-right: 8px; }
.schade-zij__mail { text-align: center; margin: 14px 0 0; font-size: 16px; font-weight: 600; }

.schade-klaar {
  border: 1px solid var(--rand);
  border-top: 4px solid var(--groen);
  border-radius: var(--radius-kaart);
  padding: 36px 32px;
}
.schade-klaar__vink {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--groen);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.schade-klaar__vink svg { width: 28px; height: 28px; }
.schade-klaar h2 { font-size: 24px; color: var(--blauw); margin: 0 0 10px; }
.schade-klaar p { margin: 0 0 10px; }

@media (max-width: 760px) {
  .schadeformulier { padding: 22px 18px; }
  .schade-groep .veldrij { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Premie-indicatie: formulier in twee stappen en de bevestiging
   ========================================================================== */
.pagina-kop--pi { padding-bottom: 36px; }
.pi { background: var(--vlak-licht); padding-bottom: 88px; }
.pi__body {
  display: grid;
  grid-template-columns: minmax(0, 680px) 300px;
  justify-content: center;
  gap: 48px;
  align-items: start;
  padding-top: 40px;
}
.pi__balk { max-width: 520px; margin-bottom: 18px; }
.stappenbalk__stap--klaar { color: var(--groen); font-weight: 600; }
.stappenbalk__stap--klaar .stappenbalk__nr { background: var(--groen); border-color: var(--groen); color: #fff; }
.pi__zij { position: sticky; top: 100px; }
.pi__zij .schade-zij__bel { display: flex; align-items: center; justify-content: center; width: 100%; }
.pi__zij .schade-zij__bel .tel-icoon { width: 16px; height: 16px; margin-right: 8px; }

.pi-kaart {
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  box-shadow: 0 8px 24px rgba(2, 42, 68, 0.08);
  padding: 32px;
}
.pi-stap__kop {
  font-size: 20px;
  font-weight: 700;
  color: var(--blauw);
  margin: 0 0 16px;
  outline: none;
}
.pi-stap__kop:not(:first-child) { margin-top: 32px; }
.pi-groep { display: flex; flex-direction: column; gap: 14px; margin: 0 0 22px; padding: 0; border: 0; min-width: 0; }
.pi-groep .veldrij { margin-bottom: 0; align-items: end; }
.veldrij--drie .veld__optioneel, .veldrij--adres .veld__optioneel { display: none; } /* kleine velden spreken voor zich */
.pi-dekking--vast { background: var(--vlak-licht); }
.pi-dekking--vast input:disabled { opacity: 1; }
.veldrij--adres { grid-template-columns: 2fr 1fr 1fr; }
.veldrij--drie { grid-template-columns: repeat(3, 1fr); }
.veld select {
  margin-top: 6px;
  width: 100%;
  border: 1px solid var(--rand-input);
  border-radius: 4px;
  padding: 11px 36px 11px 12px;
  font-size: 17px;
  font-family: var(--font);
  color: var(--tekst);
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2303558A' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") right 12px center / 16px no-repeat;
  appearance: none;
}
.veld select:focus, .veld input:disabled { outline: 2px solid var(--blauw); outline-offset: -1px; }
.veld input:disabled { outline: none; background: var(--vlak-licht); color: var(--tekst-gedempt); }
.veld textarea { margin-top: 6px; }

.pi-adres { margin: -4px 0 0; font-size: 15px; font-weight: 600; color: var(--groen); min-height: 1.4em; }
.pi-adres:empty { display: none; }
.pi-adres--onbekend { color: var(--tekst-secundair); font-weight: 400; }
.pi-bouwjaar { display: flex; align-items: flex-end; gap: 16px; }
.pi-bouwjaar__jaar { flex: 0 1 200px; }
.pi-linkknop {
  background: none;
  border: 0;
  padding: 12px 0;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 600;
  color: var(--blauw);
  text-decoration: underline;
  text-underline-offset: 3px;
  cursor: pointer;
}
.pi-linkknop:hover { color: var(--blauw-hover); }
.pi-hint { font-size: 14px; color: var(--tekst-secundair); margin: -4px 0 0; }

.vinkje { display: flex; align-items: center; gap: 10px; font-size: 16px; cursor: pointer; }
.vinkje input, .pi-dekking input, .pi-pakket input { width: 20px; height: 20px; accent-color: var(--blauw); margin: 0; flex: none; }

.pi-dekkingen legend { font-size: 15px; font-weight: 600; padding: 0; margin-bottom: 10px; }
.pi-pakket {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border: 1px solid var(--blauw);
  border-radius: var(--radius-kaart);
  background: var(--label-verplicht);
  cursor: pointer;
}
.pi-pakket span { font-size: 15px; color: var(--tekst-secundair); }
.pi-pakket strong { display: block; font-size: 16px; color: var(--blauw); }
.pi-dekkingen__lijst { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.pi-dekking {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 12px;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  font-size: 16px;
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.pi-dekking:hover { border-color: var(--rand-input); }
.pi-dekking:has(input:checked) { border-color: var(--blauw); background: #FAFCFD; }
.pi-dekking--vast { cursor: default; }
.pi-dekking .vkaart__label { margin-left: auto; }

.pi-knoppen { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; margin-top: 8px; }
.pi-knoppen .btn--groot { width: auto; }
.pi-micro { font-size: 14px; color: var(--tekst-secundair); margin: 0; }
.pi-terug { padding: 4px 0; margin-top: 4px; font-weight: 400; }

.pi-melding {
  border-radius: var(--radius-kaart);
  padding: 16px 18px 16px 52px;
  margin-bottom: 26px;
  position: relative;
  font-size: 16px;
}
.pi-melding strong { display: block; }
.pi-melding::before {
  content: "";
  position: absolute;
  left: 16px;
  top: 17px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
}
.pi-melding--goed { background: #EEF6EE; border: 1px solid #B9D8BA; color: #2B552C; }
.pi-melding--goed::before { background: var(--groen) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 14px no-repeat; }
.pi-melding--adviseur { background: var(--label-verplicht); border: 1px solid #BCD3E3; color: var(--blauw-hover); }
.pi-melding--adviseur::before { background: var(--blauw) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 4h4l2 5-2.5 1.5a12 12 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z'/%3E%3C/svg%3E") center / 13px no-repeat; }

.janee { border: 0; padding: 0; margin: 0; }
.janee legend { font-size: 15px; font-weight: 600; padding: 0; margin-bottom: 8px; }
.janee__opties { display: flex; gap: 8px; }
.janee__optie { cursor: pointer; }
.janee__optie input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.janee__optie span {
  display: inline-block;
  min-width: 72px;
  text-align: center;
  padding: 9px 16px;
  border: 1px solid var(--rand-input);
  border-radius: 4px;
  font-size: 16px;
}
.janee__optie input:checked + span { background: var(--blauw); border-color: var(--blauw); color: #fff; font-weight: 600; }
.janee__optie input:focus-visible + span { outline: 2px solid var(--blauw); outline-offset: 2px; }

.pi-bestand {
  position: relative;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 6px;
  padding: 12px 14px;
  border: 1px dashed var(--rand-input);
  border-radius: var(--radius-kaart);
  background: var(--vlak-licht);
  font-weight: 400;
  cursor: pointer;
}
.pi-bestand::before {
  content: "";
  width: 20px;
  height: 20px;
  flex: none;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2303558A' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 3H6v18h12V7z'/%3E%3Cpath d='M14 3v4h4M12 11v6M9 14l3-3 3 3'/%3E%3C/svg%3E") center / 20px no-repeat;
}
.pi-bestand input { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; }
.pi-bestand:hover, .pi-bestand:focus-within { border-color: var(--blauw); }
.pi-bestand__tekst { font-size: 15px; color: var(--blauw); font-weight: 600; overflow-wrap: anywhere; }
.pi-bestand--gekozen { border-style: solid; border-color: var(--groen); }
.pi-bestand--gekozen .pi-bestand__tekst { color: var(--groen); }

.pi-meer { border-top: 1px solid var(--rand-licht); padding-top: 16px; margin: 4px 0 22px; }
.pi-meer summary { cursor: pointer; font-size: 17px; font-weight: 700; color: var(--blauw); list-style: none; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.pi-meer summary::-webkit-details-marker { display: none; }
.pi-meer summary::before { content: "+"; width: 24px; height: 24px; border-radius: 50%; background: var(--label-verplicht); display: inline-flex; align-items: center; justify-content: center; font-weight: 400; }
.pi-meer[open] summary::before { content: "\2212"; background: var(--blauw); color: #fff; }
.pi-meer[open] .pi-groep { margin-top: 18px; }

/* Bevestiging */
.pi-klaar h2 { font-size: 26px; color: var(--blauw); margin: 0 0 8px; }
.pi-klaar > p { margin: 0 0 10px; }
.indicatie { margin: 26px 0 0; border: 1px solid var(--rand); border-radius: var(--radius-kaart); padding: 22px 24px; background: #FAFCFD; }
.indicatie__kop { font-weight: 700; margin: 0 0 10px; }
.indicatie__tabel { width: 100%; border-collapse: collapse; font-size: 16px; }
.indicatie__tabel th, .indicatie__tabel td { text-align: left; padding: 10px 0; border-bottom: 1px solid var(--rand); }
.indicatie__tabel td:last-child, .indicatie__tabel th:last-child { text-align: right; white-space: nowrap; }
.indicatie__tabel thead th { font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--blauw); border-bottom: 2px solid var(--blauw); }
.indicatie__tabel tfoot th, .indicatie__tabel tfoot td { font-size: 19px; font-weight: 700; border-bottom: 0; padding-top: 14px; color: var(--tekst); }
.indicatie__noot { font-size: 14px; color: var(--tekst-secundair); margin: 8px 0 0; }
.pi-aanvragen { margin-top: 26px; scroll-margin-top: 110px; }
.pi-aanvragen__hint { font-size: 14px; color: var(--tekst-secundair); margin: 10px 0 0; }
.pi-aanvragen__klaar { background: #EEF6EE; border: 1px solid #B9D8BA; border-radius: var(--radius-kaart); padding: 14px 16px; margin: 0; }

.pi-verder { margin-top: 32px; }
.pi-verder h2 { font-size: 22px; color: var(--blauw); margin: 0 0 14px; }
.pi-verder__stappen { margin: 0 0 18px; padding: 0; list-style: none; counter-reset: stap; display: flex; flex-direction: column; gap: 12px; }
.pi-verder__stappen li { counter-increment: stap; position: relative; padding-left: 44px; }
.pi-verder__stappen li::before {
  content: counter(stap);
  position: absolute;
  left: 0;
  top: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--blauw);
  color: #fff;
  font-weight: 700;
  font-size: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.pi-verder__links { display: flex; gap: 24px; flex-wrap: wrap; margin: 0; }
.pi-verder__links a { font-weight: 600; }

@media (max-width: 1080px) {
  .pi__body { grid-template-columns: minmax(0, 1fr) 260px; gap: 32px; }
}
@media (max-width: 900px) {
  .pi__body { grid-template-columns: minmax(0, 1fr); }
  .pi__zij { position: static; max-width: 460px; }
}
@media (max-width: 760px) {
  .pi { padding-bottom: 56px; }
  .pi__body { padding-top: 24px; }
  .pi-kaart { padding: 22px 18px; }
  .pi-klaar h2 { font-size: 22px; }
  .veldrij--adres { grid-template-columns: 1fr 1fr; }
  .veldrij--adres .veld:first-child { grid-column: 1 / -1; }
  .pi-groep .veldrij:not(.veldrij--adres):not(.veldrij--drie) { grid-template-columns: 1fr; }
  .veldrij--drie { gap: 8px; }
  .veldrij--drie .veld { font-size: 14px; }
  .pi-dekkingen__lijst { grid-template-columns: 1fr; }
  .indicatie { padding: 16px; }
  .pi-knoppen .btn--groot { width: 100%; text-align: center; }
}

/* Feedbackknop in de testversie (verdwijnt vanzelf als de site geïndexeerd mag worden) */
.fb { position: fixed; left: 16px; bottom: 16px; z-index: 50; max-width: calc(100vw - 32px); }
.fb__knop {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px 10px 10px;
  border: 0;
  border-radius: 999px;
  background: var(--tekst);
  color: #fff;
  font-family: var(--font);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 6px 18px rgba(2, 42, 68, 0.25);
}
.fb__label {
  background: #FFD24A;
  color: var(--tekst);
  font-size: 11px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  border-radius: 999px;
  padding: 3px 8px;
}
.fb__paneel {
  position: absolute;
  left: 0;
  bottom: 54px;
  width: 340px;
  max-width: calc(100vw - 32px);
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  box-shadow: 0 12px 32px rgba(2, 42, 68, 0.25);
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.fb__paneel[hidden] { display: none; }
.fb__kop { font-weight: 700; color: var(--blauw); margin: 0; }
.fb__paneel textarea, .fb__paneel input[type="text"]:not(.schade-hp) {
  margin-top: 6px;
  width: 100%;
  border: 1px solid var(--rand-input);
  border-radius: 4px;
  padding: 9px 10px;
  font-size: 16px;
  font-family: var(--font);
}
.fb__acties { display: flex; align-items: center; gap: 16px; }
.fb__acties .btn { font-size: 15px; padding: 10px 18px; }
.fb__status { margin: 0; font-size: 14px; color: var(--tekst-secundair); }
.fb__status:empty { display: none; }
@media print { .fb { display: none; } }

.pi-aanvragen .btn--groot { width: auto; }

/* ==========================================================================
   Pulldown "Verzekeringen" in het menu
   ========================================================================== */
.nav-sub { position: relative; display: flex; align-items: center; gap: 2px; }
.nav-sub__knop {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  padding: 0;
  border: 0;
  border-radius: 4px;
  background: none;
  color: var(--tekst);
  cursor: pointer;
}
.nav-sub__knop:hover { color: var(--blauw); background: var(--vlak-licht); }
.nav-sub__knop svg { width: 16px; height: 16px; transition: transform 0.18s ease; }
.nav-sub--open .nav-sub__knop svg { transform: rotate(180deg); }
.nav-sub__paneel {
  display: none;
  position: absolute;
  top: calc(100% + 18px);
  left: -24px;
  width: 600px;
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  box-shadow: 0 18px 40px rgba(2, 42, 68, 0.16);
  padding: 14px;
  z-index: 40;
}
/* Onzichtbare brug, zodat de muis van het woord naar het paneel kan zonder dat het sluit */
.nav-sub__paneel::before { content: ""; position: absolute; left: 0; right: 0; top: -20px; height: 20px; }
.nav-sub--open .nav-sub__paneel { display: block; animation: paneel-in 0.16s ease; }
@media (min-width: 1001px) and (hover: hover) {
  .nav-sub:hover .nav-sub__paneel { display: block; animation: paneel-in 0.16s ease; }
  .nav-sub:hover .nav-sub__knop svg { transform: rotate(180deg); }
}
@keyframes paneel-in { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.nav-sub__lijst { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 2px; }
.site-nav .nav-sub__lijst a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px;
  border-radius: var(--radius-kaart);
  white-space: normal;
  color: var(--tekst);
}
.site-nav .nav-sub__lijst a:hover { background: var(--vlak-licht); color: var(--tekst); }
.nav-sub__icoon {
  flex: none;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--label-verplicht);
  color: var(--blauw);
  display: flex;
  align-items: center;
  justify-content: center;
}
.nav-sub__icoon svg { width: 20px; height: 20px; }
.nav-sub__tekst { display: flex; flex-direction: column; line-height: 1.3; }
.nav-sub__naam { font-size: 15px; font-weight: 700; }
.nav-sub__wat { font-size: 13px; color: var(--tekst-secundair); }
.site-nav .nav-sub__alles {
  display: block;
  margin-top: 10px;
  padding: 12px 10px 4px;
  border-top: 1px solid var(--rand-licht);
  font-weight: 600;
  color: var(--blauw);
}

@media (prefers-reduced-motion: reduce) {
  .nav-sub__paneel, .nav-sub:hover .nav-sub__paneel { animation: none; }
  .nav-sub__knop svg { transition: none; }
}

/* ==========================================================================
   Over ons
   ========================================================================== */
.over-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 400px;
  gap: 72px;
  align-items: center;
  padding-top: 56px;
  padding-bottom: 64px;
  position: relative;
  z-index: 2;
}
.over-hero__tekst { display: flex; flex-direction: column; gap: 18px; }
.over-hero__tekst h1 { font-size: 42px; line-height: 1.12; font-weight: 800; color: #fff; margin: 0; }
.over-hero__intro { font-size: 20px; color: #fff; }
.over-hero__tweede { font-size: 17px; color: var(--licht-op-blauw); margin: 0; max-width: 34em; }
.over-cijfers {
  display: grid;
  grid-template-columns: repeat(3, auto);
  justify-content: start;
  gap: 40px;
  margin: 14px 0 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}
.over-cijfers div { display: flex; flex-direction: column; }
.over-cijfers dt { font-size: 40px; line-height: 1; font-weight: 800; color: #fff; }
.over-cijfers dd { margin: 6px 0 0; font-size: 15px; color: var(--licht-op-blauw); }

.over-kort {
  background: #fff;
  border-radius: var(--radius-kaart);
  box-shadow: var(--schaduw-kaart);
  padding: 28px;
}
.over-kort__kop { font-size: 20px; font-weight: 700; color: var(--blauw); margin: 0 0 12px; }
.over-kort__lijst { margin: 0 0 20px; }
.over-kort__lijst div {
  display: grid;
  grid-template-columns: 130px 1fr;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--rand-licht);
  font-size: 15px;
}
.over-kort__lijst dt { color: var(--tekst-secundair); }
.over-kort__lijst dd { margin: 0; font-weight: 600; color: var(--tekst); }
.over-kort__lijst a { font-weight: 600; }
.over-kort__bel { display: flex; align-items: center; justify-content: center; }
.over-kort__bel .tel-icoon { width: 18px; height: 18px; margin-right: 8px; }

.verzekeraars {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
}
.verzekeraars li {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 104px;
  padding: 18px 20px;
  background: #fff;
  border: 1px solid var(--rand);
  border-radius: var(--radius-kaart);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
/* Logo's optisch even groot: brede woordmerken lager, ronde beeldmerken hoger */
.verzekeraars img { display: block; max-width: 100%; height: 34px; width: auto; object-fit: contain; }
.verzekeraars__logo--nn img, .verzekeraars__logo--zurich img { height: 44px; }
.verzekeraars__logo--goudse img { height: 54px; }
.verzekeraars__logo--sgv img { height: 66px; }
.verzekeraars__logo--das img, .verzekeraars__logo--arag img { height: 60px; }
.verzekeraars__logo--asr img { height: 46px; }
.verzekeraars__logo--midglas img { height: 26px; }
.verzekeraars li:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(2, 42, 68, 0.1); }

.beloning {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: start;
  border: 1px solid var(--rand);
  border-left: 4px solid var(--blauw);
  border-radius: var(--radius-kaart);
  padding: 32px 36px;
  max-width: 880px;
}
.beloning__icoon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--label-verplicht);
  display: flex;
  align-items: center;
  justify-content: center;
}
.beloning__icoon svg { width: 32px; height: 32px; }
.beloning h2 { margin: 4px 0 10px; }
.beloning p { margin: 0; max-width: 40em; }

@media (max-width: 1080px) {
  .over-hero { grid-template-columns: minmax(0, 1fr) 360px; gap: 40px; }
  .verzekeraars { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 900px) {
  .over-hero { grid-template-columns: 1fr; }
  .over-kort { max-width: 520px; }
}
@media (max-width: 760px) {
  .over-hero { padding-top: 36px; padding-bottom: 44px; }
  .over-hero__tekst h1 { font-size: 32px; }
  .over-hero__intro { font-size: 18px; }
  .over-cijfers { gap: 22px; }
  .over-cijfers dt { font-size: 32px; }
  .over-cijfers dd { font-size: 14px; }
  .over-kort { padding: 22px; }
  .over-kort__lijst div { grid-template-columns: 1fr; gap: 2px; }
  .verzekeraars { grid-template-columns: repeat(2, 1fr); }
  .verzekeraars li { height: 88px; padding: 14px; }
  .verzekeraars img { height: 28px; }
  .verzekeraars__logo--nn img, .verzekeraars__logo--zurich img, .verzekeraars__logo--goudse img { height: 36px; }
  .verzekeraars__logo--sgv img, .verzekeraars__logo--das img, .verzekeraars__logo--arag img { height: 50px; }
  .verzekeraars__logo--midglas img { height: 22px; }
  .beloning { grid-template-columns: 1fr; gap: 16px; padding: 24px 20px; }
}
@media (prefers-reduced-motion: reduce) {
  .verzekeraars li { transition: none; }
  .verzekeraars li:hover { transform: none; }
}

/* ==========================================================================
   Menu voor telefoon en tablet (.mm)
   ========================================================================== */
.mm {
  position: fixed;
  inset: 0;
  z-index: 100;
  background: #fff;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.25s ease;
}
.mm[hidden] { display: none; }
.mm--open { transform: none; }
html.mm-actief, html.mm-actief body { overflow: hidden; }
.mm__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 20px;
  border-bottom: 1px solid var(--rand-licht);
  flex: none;
}
.mm__logo img { height: 36px; display: block; }
.mm__sluit {
  width: 44px;
  height: 44px;
  border: 1px solid var(--rand);
  border-radius: var(--radius-knop);
  background: #fff;
  color: var(--blauw);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}
.mm__sluit svg { width: 22px; height: 22px; }
.mm__body {
  flex: 1;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  padding: 8px 20px 32px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.mm__lijst { list-style: none; margin: 0; padding: 0; }
.mm__item { border-bottom: 1px solid var(--rand-licht); }
.mm__rij {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  min-height: 60px;
  padding: 0;
  border: 0;
  background: none;
  font-family: var(--font);
  font-size: 20px;
  font-weight: 700;
  color: var(--tekst);
  text-decoration: none;
  cursor: pointer;
  text-align: left;
}
.mm__rij:hover, .mm__rij:focus-visible { color: var(--blauw); }
.mm__pijl, .mm__chevron { width: 22px; height: 22px; color: var(--blauw); flex: none; }
.mm__chevron { transition: transform 0.2s ease; }
.mm__open[aria-expanded="true"] .mm__chevron { transform: rotate(180deg); }
.mm__open[aria-expanded="true"] { color: var(--blauw); }
.mm__sub { padding: 0 0 14px; }
.mm__sub ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.mm__sub li a {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 9px 8px;
  border-radius: var(--radius-kaart);
  text-decoration: none;
  color: var(--tekst);
}
.mm__sub li a:active, .mm__sub li a:hover { background: var(--vlak-licht); }
.mm__icoon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--label-verplicht);
  color: var(--blauw);
  display: flex;
  align-items: center;
  justify-content: center;
  flex: none;
}
.mm__icoon svg { width: 20px; height: 20px; }
.mm__subtekst { display: flex; flex-direction: column; line-height: 1.3; }
.mm__subnaam { font-size: 17px; font-weight: 700; }
.mm__subwat { font-size: 14px; color: var(--tekst-secundair); }
.mm__alles { display: inline-block; margin: 10px 8px 0; font-weight: 700; font-size: 16px; text-decoration: none; }

.mm__cta p { margin: 10px 0 0; font-size: 14px; color: var(--tekst-secundair); text-align: center; }
.mm__contact {
  background: var(--vlak-licht);
  border-radius: var(--radius-kaart);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.mm__contact-kop { margin: 0; font-size: 15px; color: var(--tekst-secundair); }
.mm__bel {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 24px;
  font-weight: 800;
  color: var(--blauw);
  text-decoration: none;
}
.mm__bel svg { width: 22px; height: 22px; }
.mm__mail { font-size: 15px; font-weight: 600; }
.mm__vertrouwen { margin: 0; font-size: 13px; color: var(--tekst-gedempt); text-align: center; }
@media (min-width: 1001px) { .mm { display: none !important; } }
@media (prefers-reduced-motion: reduce) { .mm, .mm__chevron { transition: none; } }

/* ==========================================================================
   Actiebalk onderin (alleen telefoon)
   ========================================================================== */
.actiebalk { display: none; }
@media (max-width: 760px) {
  .actiebalk {
    display: flex;
    gap: 10px;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 60;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    background: #fff;
    border-top: 1px solid var(--rand);
    box-shadow: 0 -6px 20px rgba(2, 42, 68, 0.1);
    transform: translateY(110%);
    transition: transform 0.25s ease;
  }
  .actiebalk--zichtbaar { transform: none; }
  .actiebalk a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 48px;
    border-radius: var(--radius-knop);
    font-size: 16px;
    font-weight: 700;
    text-decoration: none;
  }
  .actiebalk__bel { flex: 0 0 auto; padding: 0 16px; border: 1px solid var(--blauw); color: var(--blauw); background: #fff; }
  .actiebalk__bel svg { width: 18px; height: 18px; }
  .actiebalk__cta { flex: 1; background: var(--blauw); color: #fff; }
  .actiebalk__cta:hover { color: #fff; }
  html.actiebalk-actief .fb { bottom: 84px; }
  html.mm-actief .actiebalk { display: none; }
}
@media (prefers-reduced-motion: reduce) { .actiebalk { transition: none; } }

/* ==========================================================================
   Telefoon: rustiger en meer lucht
   ========================================================================== */
@media (max-width: 760px) {
  body { font-size: 17px; }
  .site-header__inner { padding-top: 8px; padding-bottom: 8px; }
  .site-header__logo img { height: 34px; }
  .menu-knop { height: 42px; }

  /* Secties en koppen */
  .sectie, .sectie--eerste { padding-top: 64px; }
  .sectie h2 { margin-bottom: 24px; line-height: 1.25; }
  .sectie__sub { margin: -14px 0 28px; font-size: 16px; }
  .sectie__cta { margin-top: 36px; }

  /* Hero */
  .hero__intro { font-size: 17px; line-height: 1.6; }
  .hero__trust { gap: 10px; }
  .formkaart { padding: 24px 20px 22px; }

  /* Kaarten: zachte vlakken in plaats van randen, met meer ruimte ertussen */
  .verzekeringen, .verzekeringen--extra.open, .verzekeringen--drie { gap: 16px; }
  .vkaart {
    border-color: transparent;
    background: var(--vlak-licht);
    padding: 22px 20px;
    gap: 10px;
  }
  .vkaart:hover { transform: none; box-shadow: none; }
  .vkaart--cta { background: var(--blauw); }
  .vgroot { gap: 16px; }
  .vgroot__kaart { padding: 22px 20px; }
  .kennis-grid { gap: 16px; }
  .kennis-kaart { padding: 20px; }
  .klanten { gap: 20px; }

  /* Zo werkt het: lijnen weg, stappen als rustige rij */
  .stappen { gap: 28px; }
  .stap { gap: 10px; }
  .stap--adviseur { padding: 20px; }

  /* Rekenblok: geen kaart in een kaart */
  .rekenblok { padding: 28px 20px; gap: 24px; }
  .rekenkaart { box-shadow: none; border: 0; padding: 22px 18px; }

  /* Team: lijst met foto links, zonder losse kaartjes */
  .team { padding: 28px 20px; gap: 24px; }
  .team__grid { grid-template-columns: 1fr; gap: 0; }
  .team__kaart {
    display: grid;
    grid-template-columns: 64px 1fr;
    grid-template-rows: auto auto;
    column-gap: 16px;
    align-items: center;
    text-align: left;
    background: none;
    border: 0;
    border-bottom: 1px solid var(--rand);
    border-radius: 0;
    padding: 14px 0;
  }
  .team__kaart:last-child { border-bottom: 0; }
  .team__kaart:hover { transform: none; box-shadow: none; }
  .team__foto { grid-row: 1 / 3; width: 64px; height: 64px; margin: 0; }
  .team__naam { align-self: end; }
  .team__rol { align-self: start; margin-top: 2px; }

  /* Veelgestelde vragen */
  .faq { gap: 10px; }
  .faq summary { line-height: 1.4; }
  .faq p { font-size: 16px; }

  /* Inhoudspagina's */
  .pagina-inhoud h2 { margin-top: 36px; }
  .pagina-inhoud ul li { margin-bottom: 10px; }
  .pagina-zij { margin-top: 8px; }
  .indicatie__tabel th, .indicatie__tabel td { padding: 12px 0; }

  /* Footer: linkkolommen naast elkaar, zodat het korter wordt */
  .site-footer__inner { padding-top: 48px; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 32px 20px; padding-bottom: 36px; }
  .site-footer__col--info { grid-column: 1 / -1; }
  .site-footer__col { gap: 12px; }
  .site-footer__col a { font-size: 14px; }
  html.actiebalk-actief .site-footer { padding-bottom: 72px; }
}

/* Verzekeringenheader op kleinere schermen */
@media (max-width: 1080px) {
  .hero--plaat .hero__inner { column-gap: 32px; }
  .plaat-tegels { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
@media (max-width: 900px) {
  .hero--plaat .hero__inner {
    grid-template-columns: minmax(0, 1fr);
    grid-template-areas: "tekst" "beeld" "tegels";
    row-gap: 28px;
  }
}
@media (max-width: 760px) {
  .plaat-tegels { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
  .plaat-tegel { padding: 12px; }
  .plaat-tegel__icoon { width: 34px; height: 34px; }
}