/* =====================================================================
   Stufidata — main.css
   Reproduceert het goedgekeurde ontwerp 1:1 (blauw DUO-thema, Figtree)
   en is volledig responsive (mobile-first waar het telt).
   ===================================================================== */

/* Figtree, variabel (300-900), zelf gehost. Latin-subset, incl. €. Licentie: assets/fonts/OFL.txt */
@font-face {
    font-family: "Figtree";
    font-style: normal;
    font-display: swap;
    font-weight: 300 900;
    src: url("../fonts/figtree-latin-wght-normal.woff2") format("woff2");
}

:root {
    --c-primary:        #007BC7;
    --c-primary-dark:   #0a68b0;
    --c-primary-darker: #004f8a;
    --c-navy:           #154273;
    --c-tint:           #E5F1FA;
    --c-tint-2:         #EAF4FC;
    --c-accent:         #BCE0F5;
    --c-bg:             #F4F6F9;
    --c-surface:        #ffffff;
    --c-text:           #425063;
    --c-text-2:         #4A586B;
    --c-muted:          #6B7A8D;
    --c-faint:          #8595A8;
    --c-border:         #E7EDF3;
    --c-border-soft:    #EEF2F6;
    --c-success:        #197451;
    --c-success-soft:   #E9F7F1;
    --c-warning:        #8A5A10;
    --c-warning-soft:   #FFF7E8;
    --c-warning-border: #F1DEB4;

    --font: "Figtree", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

    --container: 1120px;
    --pad-x: 22px;

    --r-sm: 9px;
    --r-md: 14px;
    --r-lg: 18px;
    --r-pill: 999px;

    --sh-card: 0 12px 34px -20px rgba(21, 66, 115, .28);
    --sh-nav:  0 2px 14px -5px rgba(0, 0, 0, .35);
    --sh-pop:  0 18px 44px -18px rgba(15, 41, 56, .40);
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
    margin: 0;
    font-family: var(--font);
    font-size: 16px;
    line-height: 1.7;
    color: var(--c-text);
    background: var(--c-bg);
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--c-primary); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 { color: var(--c-navy); line-height: 1.15; text-wrap: balance; }

:focus-visible {
    outline: 3px solid var(--c-primary);
    outline-offset: 2px;
    border-radius: 4px;
}

.container { max-width: var(--container); margin: 0 auto; padding-left: var(--pad-x); padding-right: var(--pad-x); }

/* ---- Skip link ---- */
.skip-link {
    position: absolute; left: 12px; top: -60px;
    background: #fff; color: var(--c-navy); font-weight: 700;
    padding: 10px 16px; border-radius: 10px; z-index: 100;
    transition: top .15s ease; box-shadow: var(--sh-card);
}
.skip-link:focus { top: 12px; text-decoration: none; }

/* =====================================================================
   HEADER + NAV
   ===================================================================== */
.site-header {
    position: sticky; top: 0; z-index: 40;
    background: var(--c-primary);
    box-shadow: var(--sh-nav);
}
.site-header__inner {
    max-width: var(--container); margin: 0 auto;
    padding: 11px var(--pad-x);
    display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.brand {
    display: flex; align-items: center; gap: 11px;
    color: #fff; font-weight: 800; font-size: 21px; text-decoration: none; flex-shrink: 0;
}
.brand:hover { text-decoration: none; }
.brand__mark {
    width: 38px; height: 38px; border-radius: 10px; background: #fff;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 2px 6px rgba(0, 0, 0, .18);
}
.brand__mark img { width: 30px; height: 30px; border-radius: 8px; }

.site-nav { display: flex; gap: 2px; align-items: center; }
.nav-item { position: relative; }
.nav-item > a {
    display: flex; align-items: center; gap: 6px;
    color: #fff; font-weight: 600; font-size: 15px;
    padding: 9px 13px; border-radius: var(--r-sm);
    white-space: nowrap; transition: background .14s ease;
}
.nav-item > a:hover { background: rgba(255, 255, 255, .14); text-decoration: none; }
.nav-item__caret {
    width: 0; height: 0;
    border-left: 4px solid transparent; border-right: 4px solid transparent;
    border-top: 5px solid rgba(255, 255, 255, .85); margin-left: 2px;
    transition: transform .14s ease;
}
.nav-dropdown {
    position: absolute; top: 100%; left: 0; min-width: 236px;
    background: #fff; border: 1px solid var(--c-border);
    border-radius: 13px; box-shadow: var(--sh-pop);
    padding: 8px; z-index: 50;
    opacity: 0; visibility: hidden; transform: translateY(6px);
    transition: opacity .14s ease, transform .14s ease, visibility .14s;
}
/* Openen op hover én op focus-within (toetsenbord) */
.nav-item:hover .nav-dropdown,
.nav-item:focus-within .nav-dropdown {
    opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-item:hover .nav-item__caret,
.nav-item:focus-within .nav-item__caret { transform: rotate(180deg); }
.nav-dropdown a {
    display: block; padding: 10px 15px;
    color: var(--c-navy); font-size: 14.5px; font-weight: 600;
    border-radius: 8px; white-space: nowrap; transition: background .12s ease;
}
.nav-dropdown a:hover { background: var(--c-tint-2); text-decoration: none; }

.nav-burger {
    display: none; flex-direction: column; gap: 5px;
    background: rgba(255, 255, 255, .12); border: none;
    padding: 11px; border-radius: 10px; cursor: pointer;
}
.nav-burger span { width: 22px; height: 2.5px; background: #fff; border-radius: 2px; }

/* Mobiel paneel */
.mobile-menu { background: #0069b0; padding: 8px var(--pad-x) 18px; max-height: 72vh; overflow: auto; }
.mobile-menu[hidden] { display: none; }
.mobile-group { padding: 6px 0; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.mobile-group__label {
    color: var(--c-accent); font-size: 12.5px; font-weight: 800;
    text-transform: uppercase; letter-spacing: .06em; padding: 6px 0 4px;
}
.mobile-group a { display: block; color: #fff; font-size: 15px; font-weight: 600; padding: 8px 0; }
.mobile-group a:hover { text-decoration: none; }
.mobile-group details > summary { list-style: none; cursor: pointer; }
.mobile-group details > summary::-webkit-details-marker { display: none; }

/* =====================================================================
   HERO (homepage)
   ===================================================================== */
.hero { position: relative; overflow: hidden; background: linear-gradient(155deg, var(--c-primary-dark), var(--c-primary-darker)); }
.hero__inner {
    max-width: var(--container); margin: 0 auto; padding: 52px var(--pad-x) 58px;
    display: flex; flex-wrap: wrap; align-items: center; gap: 36px 54px; justify-content: space-between;
}
.hero__text { color: #fff; max-width: 520px; flex: 1 1 340px; }
.eyebrow { font-size: 13px; font-weight: 800; color: var(--c-accent); text-transform: uppercase; letter-spacing: .1em; }
.hero__text h1 { color: #fff; font-size: clamp(2.1rem, 5vw, 2.75rem); font-weight: 900; margin: 12px 0 16px; letter-spacing: -.025em; line-height: 1.08; }
.hero__lead { font-size: 17px; line-height: 1.6; color: #DCEBF8; margin: 0 0 26px; max-width: 460px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.btn-primary {
    background: #fff; color: var(--c-primary-dark); font-weight: 800; font-size: 16px;
    padding: 14px 24px; border-radius: 12px; box-shadow: 0 8px 22px -8px rgba(0, 0, 0, .4);
}
.btn-primary:hover { text-decoration: none; transform: translateY(-1px); }
.btn-link { color: #fff; font-weight: 700; font-size: 16px; padding: 14px 8px; border-bottom: 2px solid rgba(255, 255, 255, .5); }
.btn-link:hover { text-decoration: none; border-bottom-color: #fff; }

.next-payment {
    flex-shrink: 0; background: rgba(255, 255, 255, .10); border: 1px solid rgba(255, 255, 255, .2);
    border-radius: 22px; padding: 26px 34px; display: flex; align-items: center; gap: 26px; cursor: pointer;
}
.ring { position: relative; width: 150px; height: 150px; flex-shrink: 0; }
.ring svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.ring__center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; color: #fff; }
.ring__label { font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; opacity: .85; }
.ring__num { font-size: 54px; font-weight: 900; line-height: 1; }
.ring__unit { font-size: 13px; font-weight: 700; opacity: .9; }
.next-payment__meta { color: #fff; max-width: 180px; }
.next-payment__meta .k { font-size: 12px; font-weight: 800; color: var(--c-accent); text-transform: uppercase; letter-spacing: .08em; }
.next-payment__meta .d { font-size: 25px; font-weight: 800; margin: 6px 0 10px; text-transform: capitalize; letter-spacing: -.01em; line-height: 1.1; }
.next-payment__meta .n { font-size: 13px; color: #CDE5F6; line-height: 1.45; }

/* =====================================================================
   HOMEPAGE SECTIES
   ===================================================================== */
main { display: block; }
.home .section-lead { margin: 0 0 22px; font-size: 16px; line-height: 1.6; color: var(--c-text-2); max-width: 640px; }
.home h2.section-title { font-size: clamp(1.6rem, 3vw, 1.9rem); font-weight: 800; margin: 0 0 8px; letter-spacing: -.02em; }
.pt-52 { padding-top: 52px; }

/* Betaaldata-lijst */
.payment-list {
    background: #fff; border-radius: var(--r-lg); overflow: hidden;
    border: 1px solid var(--c-border); box-shadow: var(--sh-card);
}
.payment-row {
    display: flex; align-items: center; justify-content: space-between; gap: 14px;
    padding: 15px 20px; border-bottom: 1px solid var(--c-border-soft);
}
.payment-row:last-child { border-bottom: none; }
.payment-row.verstreken { opacity: .5; }
.payment-row.volgende { background: var(--c-tint); border-left: 4px solid var(--c-primary); }
.payment-row__left { display: flex; align-items: center; gap: 16px; }
.day-badge {
    flex-shrink: 0; width: 52px; height: 52px; border-radius: 13px;
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    background: var(--c-tint); color: var(--c-primary);
}
.verstreken .day-badge { background: #F0F2F5; color: #9AA7B5; }
.volgende .day-badge { background: var(--c-primary); color: #fff; }
.day-badge .num { font-size: 20px; font-weight: 900; line-height: 1; }
.day-badge .mon { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; opacity: .78; }
.payment-row__date { display: block; font-size: 17px; font-weight: 800; color: var(--c-navy); }
.payment-row__sub { font-size: 13px; color: var(--c-muted); text-transform: capitalize; margin-top: 2px; }

/* Betaaldata als tabel (includes/payment-table.php), zelfde uiterlijk als de lijst */
.payment-table { width: 100%; border-collapse: collapse; }
.payment-table td { padding: 15px 20px; border-bottom: 1px solid var(--c-border-soft); vertical-align: middle; }
.payment-table tr:last-child td { border-bottom: none; }
.payment-table .pay-row.verstreken { opacity: .5; }
.payment-table .pay-row.volgende { background: var(--c-tint); }
.payment-table .pay-row.volgende td:first-child { box-shadow: inset 4px 0 0 var(--c-primary); }
.payment-table td.pay-status { text-align: right; white-space: nowrap; width: 1%; }
.more-link a { font-weight: 700; color: var(--c-primary); }

.visually-hidden {
    position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.status-badge { font-size: 12px; font-weight: 700; padding: 5px 12px; border-radius: var(--r-pill); white-space: nowrap; }
.status-badge.verstreken { background: #EEF1F5; color: #8595A8; }
.status-badge.volgende { background: var(--c-primary); color: #fff; }
.status-badge.aankomend { background: var(--c-tint); color: var(--c-primary); }

.note { margin: 16px 2px 0; font-size: 13.5px; color: var(--c-faint); }

.year-archive h2.block { font-size: clamp(1.45rem, 2.6vw, 1.6rem); font-weight: 800; margin: 52px 0 10px; letter-spacing: -.015em; }
.year-archive p.block { margin: 0 0 14px; font-size: 16px; line-height: 1.75; color: var(--c-text); max-width: 720px; }
.year-archive .section-lead { margin: 0 0 22px; font-size: 16px; line-height: 1.6; color: var(--c-text-2); max-width: 640px; }

.year-nav {
    margin: 20px 2px 0; padding: 18px 20px; background: #F2F7FB;
    border: 1px solid #E1EBF2; border-radius: var(--r-md);
}
.year-nav__label { margin: 0 0 10px; font-size: 14px; font-weight: 800; color: var(--c-navy); }
.year-nav__links { display: flex; flex-wrap: wrap; gap: 10px 16px; }
.year-nav__links a {
    font-size: 14.5px; font-weight: 600; color: var(--c-primary);
}
.year-nav__links a[aria-current="page"] { color: var(--c-navy); text-decoration: underline; }

/* Advertentie */
.ad-slot {
    margin-top: 30px; min-height: 90px; border: 1.5px dashed #C2CEDB; border-radius: var(--r-md);
    display: flex; align-items: center; justify-content: center; background: #EAEFF5;
    font-family: ui-monospace, "SFMono-Regular", Menlo, monospace; font-size: 12px; color: #8593A5;
    letter-spacing: .04em; text-align: center; padding: 10px;
}

.home h2.block { font-size: clamp(1.45rem, 2.6vw, 1.6rem); font-weight: 800; margin: 52px 0 10px; letter-spacing: -.015em; }
.home p.block { margin: 0 0 14px; font-size: 16px; line-height: 1.75; color: var(--c-text); max-width: 720px; }

/* Checklist */
.checklist { background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-md); padding: 10px 22px; box-shadow: var(--sh-card); max-width: 720px; }
.checklist__item { display: flex; gap: 15px; align-items: flex-start; padding: 15px 0; border-bottom: 1px solid var(--c-border-soft); }
.checklist__item:last-child { border-bottom: none; }
.checklist__n { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--c-tint); color: var(--c-primary); font-weight: 800; font-size: 14px; display: flex; align-items: center; justify-content: center; }
.checklist__t { font-size: 15.5px; line-height: 1.55; color: var(--c-text); padding-top: 3px; }

/* Info-box */
.info-box { margin-top: 34px; background: var(--c-tint-2); border: 1px solid #CDE5F6; border-radius: var(--r-md); padding: 24px 26px; max-width: 720px; }
.info-box h3 { font-size: 19px; font-weight: 800; margin: 0 0 8px; }
.info-box p { margin: 0; font-size: 15.5px; line-height: 1.7; color: var(--c-text); }

/* Content-kaarten */
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; }
.content-card {
    display: block; background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-md);
    padding: 22px; box-shadow: 0 8px 26px -20px rgba(21, 66, 115, .3);
    transition: transform .16s ease, box-shadow .16s ease;
}
.content-card:hover { text-decoration: none; transform: translateY(-3px); box-shadow: 0 18px 40px -22px rgba(21, 66, 115, .45); }
.content-card__icon { width: 44px; height: 44px; border-radius: 12px; background: var(--c-tint); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.content-card__icon span { width: 16px; height: 16px; border-radius: 5px; background: var(--c-primary); display: block; }
.content-card__title { font-size: 17.5px; font-weight: 800; color: var(--c-navy); margin-bottom: 6px; }
.content-card__desc { font-size: 14.5px; line-height: 1.55; color: #5A6A7D; margin-bottom: 14px; }
.content-card__more { font-size: 14.5px; font-weight: 700; color: var(--c-primary); }

/* =====================================================================
   FAQ (native <details> — werkt zonder JS)
   ===================================================================== */
.faq-list { display: flex; flex-direction: column; gap: 13px; }
.faq-item { background: #fff; border-radius: var(--r-md); border: 1px solid var(--c-border); overflow: hidden; }
.faq-item > summary {
    list-style: none; cursor: pointer;
    display: flex; align-items: center; justify-content: space-between; gap: 16px;
    padding: 17px 20px; font-size: 16.5px; font-weight: 700; color: var(--c-navy);
}
.faq-item > summary::-webkit-details-marker { display: none; }
.faq-item > summary::after {
    content: "+"; flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%;
    background: var(--c-tint); color: var(--c-primary);
    display: inline-flex; align-items: center; justify-content: center;
    font-size: 20px; font-weight: 700; line-height: 1; transition: background .18s ease, color .18s ease;
}
.faq-item[open] > summary::after { content: "\2212"; background: var(--c-primary); color: #fff; }
.faq-answer { padding: 0 20px 20px; }
.faq-answer p { margin: 0; font-size: 15px; line-height: 1.7; color: var(--c-text); }
.faq-answer p + p { margin-top: 12px; }

/* Trust-blok */
.trust { margin-top: 48px; background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-lg); padding: 28px 30px; box-shadow: var(--sh-card); }
.trust__row { display: flex; flex-wrap: wrap; gap: 18px 40px; align-items: center; justify-content: space-between; }
.trust__text { max-width: 440px; }
.trust__text p { margin: 0; font-size: 15px; line-height: 1.65; color: var(--c-text); }
.trust__text p + p { margin-top: 10px; }
.badge-checked { display: inline-flex; align-items: center; gap: 8px; background: var(--c-success-soft); color: var(--c-success); font-size: 13px; font-weight: 800; padding: 6px 12px; border-radius: var(--r-pill); margin-bottom: 12px; }
.badge-checked .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--c-success); }
.trust__sources .h { font-weight: 800; color: var(--c-navy); margin-bottom: 10px; font-size: 14px; }
.trust__sources .links { display: flex; flex-direction: column; gap: 7px; font-size: 14px; }
.trust__sources a { color: var(--c-primary); font-weight: 600; }

/* =====================================================================
   ARTIKELPAGINA
   ===================================================================== */
.breadcrumb { padding: 18px 0 6px; }
.breadcrumb ol { list-style: none; margin: 0; padding: 0; display: flex; gap: 8px; font-size: 13.5px; color: var(--c-muted); flex-wrap: wrap; }
.breadcrumb a { color: var(--c-primary); font-weight: 600; }
.breadcrumb .sep { color: #B4C0CC; }
.breadcrumb [aria-current="page"] { color: var(--c-navy); font-weight: 600; }

.article-header { padding: 22px 0 8px; }
.article-header .eyebrow { color: var(--c-primary); }
.article-header h1 { font-size: clamp(2rem, 4.4vw, 2.5rem); font-weight: 900; margin: 12px 0 16px; letter-spacing: -.025em; max-width: 760px; }
.article-header .lead { font-size: 18px; line-height: 1.6; color: var(--c-text); margin: 0 0 14px; max-width: 720px; }
.content-date { display: inline-flex; align-items: center; gap: 8px; font-size: 13.5px; color: var(--c-muted); font-weight: 600; }
.content-date .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--c-success); display: block; }

.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 250px; gap: 56px; padding: 28px 0 10px; align-items: start; }
.article-content { min-width: 0; }
.article-content > p:first-child { margin-top: 0; }
.article-content h2 { font-size: clamp(1.4rem, 2.6vw, 1.5rem); font-weight: 800; margin: 44px 0 14px; letter-spacing: -.015em; }
.article-content section:first-of-type h2 { margin-top: 0; }
.article-content h3 { font-size: 16px; font-weight: 800; color: var(--c-navy); margin: 26px 0 10px; }
.article-content p { font-size: 16px; line-height: 1.75; color: var(--c-text); margin: 0 0 16px; }
.article-content ul, .article-content ol { margin: 0 0 24px; padding-left: 22px; color: var(--c-text); font-size: 16px; line-height: 1.8; }
.article-content li { margin-bottom: 4px; }
.article-content section { margin-bottom: 10px; }

/* Tabellen */
.table-wrapper { overflow-x: auto; border: 1px solid var(--c-border); border-radius: var(--r-md); margin-bottom: 22px; -webkit-overflow-scrolling: touch; }
.table-wrapper table { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 440px; }
.table-wrapper caption { text-align: left; padding: 12px 16px 0; color: var(--c-muted); font-size: 13.5px; }
.table-wrapper thead tr { background: #F2F7FB; }
.table-wrapper th { text-align: left; padding: 12px 16px; color: var(--c-navy); font-weight: 800; border-bottom: 1px solid var(--c-border); }
.table-wrapper th.num, .table-wrapper td.num { text-align: right; font-variant-numeric: tabular-nums; }
.table-wrapper td { padding: 11px 16px; border-bottom: 1px solid var(--c-border-soft); color: var(--c-text); }
.table-wrapper tbody tr:last-child td { border-bottom: none; }
.table-wrapper tr.total { background: #F7FBFE; font-weight: 800; color: var(--c-navy); }
.table-wrapper tr.total td { padding: 12px 16px; }

/* Warning-box */
.warning-box { background: var(--c-warning-soft); border: 1px solid var(--c-warning-border); border-radius: var(--r-md); padding: 16px 20px; margin-bottom: 24px; }
.warning-box p { margin: 0; font-size: 15px; line-height: 1.7; color: var(--c-warning); }

/* Bronnen */
.sources { background: #F2F7FB; border: 1px solid #E1EBF2; border-radius: var(--r-md); padding: 20px 24px; margin-top: 14px; }
.sources h2 { font-size: 16px; font-weight: 800; color: var(--c-navy); margin: 0 0 12px; }
.sources ul { margin: 0; padding-left: 20px; font-size: 14.5px; line-height: 1.9; color: var(--c-text); }

.article-disclaimer { margin: 22px 0 0; font-size: 13.5px; line-height: 1.7; color: var(--c-faint); }

/* Inhoudsopgave (sticky sidebar) */
.article-toc { position: sticky; top: 86px; }
.article-toc__inner { background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-md); padding: 18px 20px; box-shadow: 0 10px 30px -24px rgba(21, 66, 115, .3); }
.article-toc__title { font-size: 12.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em; color: var(--c-faint); margin-bottom: 12px; }
.article-toc__links { display: flex; flex-direction: column; gap: 11px; font-size: 14.5px; font-weight: 600; }
.article-toc__links a { color: var(--c-text); }
.article-toc__links a:hover { color: var(--c-primary); text-decoration: none; }
.article-toc__links a.active { color: var(--c-primary); }

/* Gerelateerd */
.related { padding: 20px 0 10px; }
.related h2 { font-size: clamp(1.3rem, 2.4vw, 1.4rem); font-weight: 800; margin: 26px 0 16px; letter-spacing: -.015em; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; }
.related-card { display: block; background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-md); padding: 18px 20px; box-shadow: 0 8px 24px -20px rgba(21, 66, 115, .3); transition: transform .16s ease, box-shadow .16s ease; }
.related-card:hover { text-decoration: none; transform: translateY(-3px); box-shadow: 0 18px 40px -22px rgba(21, 66, 115, .45); }
.related-card .t { font-size: 16px; font-weight: 800; color: var(--c-navy); margin-bottom: 5px; }
.related-card .d { font-size: 14px; color: #5A6A7D; line-height: 1.5; }

/* =====================================================================
   CONTACTFORMULIER
   ===================================================================== */
.form { max-width: 620px; background: #fff; border: 1px solid var(--c-border); border-radius: var(--r-md); padding: 26px; box-shadow: var(--sh-card); }
.form label { display: block; font-weight: 700; color: var(--c-navy); margin-bottom: 6px; font-size: 15px; }
.form .field { margin-bottom: 18px; }
.form input, .form textarea {
    width: 100%; font-family: var(--font); font-size: 15px; color: var(--c-navy);
    padding: 12px 14px; border: 1px solid var(--c-border); border-radius: 10px; background: #fff;
}
.form input:focus, .form textarea:focus { outline: none; border-color: var(--c-primary); box-shadow: 0 0 0 3px rgba(0, 123, 199, .15); }
.form .honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form button { background: var(--c-primary); color: #fff; font-family: var(--font); font-weight: 800; font-size: 16px; border: none; border-radius: 12px; padding: 13px 26px; cursor: pointer; }
.form button:hover { background: var(--c-primary-dark); }
.form-alert { border-radius: 12px; padding: 14px 18px; margin-bottom: 18px; font-size: 15px; font-weight: 600; }
.form-alert.ok { background: var(--c-success-soft); color: var(--c-success); border: 1px solid #BFE6D4; }
.form-alert.err { background: #FDECEC; color: #A33A3A; border: 1px solid #F3C9C9; }

/* =====================================================================
   FOOTER
   ===================================================================== */
.site-footer { background: var(--c-navy); color: #fff; margin-top: 64px; }
.site-footer__cols { max-width: var(--container); margin: 0 auto; padding: 44px var(--pad-x) 30px; display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px 40px; }
.site-footer .brand { font-size: 20px; margin-bottom: 14px; }
.site-footer .brand__mark { width: 34px; height: 34px; border-radius: var(--r-sm); }
.site-footer .brand__mark img { width: 28px; height: 28px; border-radius: 7px; }
.footer-about p { margin: 0 0 10px; font-size: 13.5px; line-height: 1.65; color: #AFC4DC; max-width: 300px; }
.footer-about p.legal { color: #8FA6C2; }
.footer-col { display: flex; flex-direction: column; gap: 9px; font-size: 14px; }
.footer-col .h { font-weight: 800; color: var(--c-accent); margin-bottom: 3px; }
.footer-col a { color: #DCE7F3; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); }
.footer-bottom__inner { max-width: var(--container); margin: 0 auto; padding: 16px var(--pad-x); display: flex; flex-wrap: wrap; gap: 6px 24px; justify-content: space-between; font-size: 12.5px; color: #8FA6C2; }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 980px) {
    .article-layout { grid-template-columns: 1fr; gap: 28px; }
    .article-toc { position: static; order: -1; }
    .site-footer__cols { grid-template-columns: 1fr 1fr; }
    .footer-about { grid-column: 1 / -1; }
}

@media (max-width: 860px) {
    .site-nav { display: none; }
    .nav-burger { display: inline-flex; }
    .hero__inner { padding: 40px var(--pad-x) 46px; }
    .next-payment { padding: 22px 24px; gap: 20px; width: 100%; justify-content: center; }
}

@media (max-width: 560px) {
    :root { --pad-x: 18px; }
    .hero__text h1 { font-size: 2rem; }
    .next-payment { flex-direction: column; text-align: center; }
    .next-payment__meta { max-width: none; }
    .trust__row { flex-direction: column; align-items: flex-start; }
    .site-footer__cols { grid-template-columns: 1fr; }
    .payment-row, .payment-table td { padding: 13px 15px; }
    .day-badge { width: 46px; height: 46px; }
    .content-card, .related-card { padding: 18px; }
}

/* Toegankelijkheid: respecteer reduced motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}