:root{
  --ink:#14202E;
  --ink-soft:#42525F;
  --paper:#FBFBF9;
  --surface:#FFFFFF;
  --rule:#D5DBE1;
  --rule-soft:#E8ECEF;
  --accent:#1B5E9B;
  --accent-dark:#144B7D;
  --result:#0B6E4F;
  --warn:#8A5B00;
  --warn-bg:#FFF6E3;
  --max:44rem;
  --radius:6px;
}

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

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

body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}

.wrap{max-width:var(--max);margin:0 auto;padding:0 1.15rem}

a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--accent-dark)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:3px}

/* ---------- header ---------- */
.site-head{background:var(--surface);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:60px;flex-wrap:wrap}
.brand{font-weight:700;font-size:1.02rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--accent)}
.site-nav{display:flex;gap:1.1rem;font-size:.9rem;flex-wrap:wrap}
.site-nav a{color:var(--ink-soft);text-decoration:none;font-weight:500}
.site-nav a:hover{color:var(--accent);text-decoration:underline}

/* ---------- breadcrumb ---------- */
.crumb{font-size:.82rem;color:var(--ink-soft);padding:.85rem 0 0}
.crumb a{color:var(--ink-soft)}
.crumb span{margin:0 .35rem;color:var(--rule)}

/* ---------- typography ---------- */
h1{font-size:1.85rem;line-height:1.2;letter-spacing:-.02em;margin:.6rem 0 .35rem;font-weight:700}
h2{font-size:1.28rem;line-height:1.3;letter-spacing:-.01em;margin:2.4rem 0 .7rem;font-weight:700}
h3{font-size:1.03rem;margin:1.5rem 0 .4rem;font-weight:650}
.lede{font-size:1.05rem;color:var(--ink-soft);margin:0 0 1.4rem;max-width:36rem}
p{margin:0 0 1rem}
main ul,main ol{margin:0 0 1.15rem;padding-left:1.25rem}
main li{margin-bottom:.4rem}

/* ---------- calculator panel ---------- */
.calc{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  padding:1.15rem;
  margin:0 0 1.6rem;
}
.field{margin-bottom:.9rem}
.field label{display:block;font-size:.87rem;font-weight:600;margin-bottom:.3rem;color:var(--ink)}
.hint{display:block;font-weight:400;font-size:.78rem;color:var(--ink-soft);margin-top:.15rem}
.field input[type=number],
.field input[type=text],
.field input[type=date],
.field select{
  width:100%;
  padding:.62rem .7rem;
  font-size:1.02rem;
  font-family:inherit;
  font-variant-numeric:tabular-nums;
  color:var(--ink);
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
}
.field input:focus,.field select:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px rgba(27,94,155,.15)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
@media(max-width:420px){.row2{grid-template-columns:1fr}}

.radios{display:flex;flex-wrap:wrap;gap:.4rem}
.radios label{
  display:inline-flex;align-items:center;gap:.35rem;
  padding:.4rem .7rem;font-size:.87rem;font-weight:500;
  border:1px solid var(--rule);border-radius:var(--radius);cursor:pointer;margin:0;
}
.radios input{margin:0}
.radios label:has(input:checked){border-color:var(--accent);background:#EFF5FA;color:var(--accent-dark)}

/* ---------- result readout ---------- */
.readout{
  background:var(--ink);
  border-radius:var(--radius);
  padding:1rem 1.1rem;
  margin-top:1.1rem;
  color:#fff;
}
.readout .rlabel{font-size:.8rem;color:#9FB0C0;margin:0 0 .15rem;font-weight:500}
.readout .rvalue{
  font-size:2.3rem;line-height:1.1;font-weight:700;
  font-variant-numeric:tabular-nums;letter-spacing:-.02em;
  color:#6FE3AF;word-break:break-word;
}
@media(max-width:380px){.readout .rvalue{font-size:1.9rem}}
.readout .rnote{font-size:.83rem;color:#9FB0C0;margin:.35rem 0 0}

.breakdown{margin-top:.9rem;border-top:1px solid var(--rule-soft);padding-top:.2rem}
.breakdown div{
  display:flex;justify-content:space-between;gap:1rem;
  padding:.45rem 0;border-bottom:1px solid var(--rule-soft);font-size:.92rem;
}
.breakdown div:last-child{border-bottom:none}
.breakdown b{font-variant-numeric:tabular-nums;font-weight:650}

/* ---------- simple keypad calculator ---------- */
.pad{display:grid;grid-template-columns:repeat(4,1fr);gap:.45rem;margin-top:.9rem}
.pad button{
  padding:.85rem .2rem;font-size:1.1rem;font-family:inherit;font-weight:600;
  background:var(--surface);color:var(--ink);
  border:1px solid var(--rule);border-radius:var(--radius);cursor:pointer;
  font-variant-numeric:tabular-nums;
}
.pad button:hover{background:#F3F6F9}
.pad button.op{background:#F3F6F9;color:var(--accent-dark)}
.pad button.eq{background:var(--accent);color:#fff;border-color:var(--accent)}
.pad button.clr{color:#9B2226}

/* ---------- notes / disclaimers ---------- */
.note{
  background:var(--warn-bg);border:1px solid #F0DCA8;border-left:3px solid var(--warn);
  border-radius:var(--radius);padding:.8rem .9rem;font-size:.89rem;margin:1.2rem 0;color:#5C4300;
}
.note p{margin:0 0 .5rem}
.note p:last-child{margin:0}

/* ---------- tables ---------- */
.tbl{width:100%;border-collapse:collapse;font-size:.92rem;margin:0 0 1.2rem}
.tbl th,.tbl td{text-align:left;padding:.55rem .6rem;border-bottom:1px solid var(--rule-soft)}
.tbl th{font-weight:650;background:#F4F6F8}
.tbl td:last-child,.tbl th:last-child{text-align:right;font-variant-numeric:tabular-nums}
.tblwrap{overflow-x:auto}

/* ---------- FAQ ---------- */
.faq details{border-bottom:1px solid var(--rule-soft);padding:.15rem 0}
.faq summary{cursor:pointer;font-weight:600;padding:.75rem 0;font-size:.98rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";color:var(--accent);font-weight:700;margin-right:.55rem}
.faq details[open] summary::before{content:"–"}
.faq details p{margin:0 0 .9rem;color:var(--ink-soft);font-size:.95rem}

/* ---------- card grid ---------- */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(15rem,1fr));gap:.7rem;margin:0 0 1.5rem;padding:0;list-style:none}
.grid li{margin:0}
.grid a{
  display:block;background:var(--surface);border:1px solid var(--rule);
  border-radius:var(--radius);padding:.8rem .9rem;text-decoration:none;height:100%;
}
.grid a:hover{border-color:var(--accent)}
.grid strong{display:block;color:var(--ink);font-size:.97rem;margin-bottom:.15rem}
.grid em{display:block;color:var(--ink-soft);font-size:.84rem;font-style:normal;line-height:1.45}

/* ---------- ad slots ---------- */
.ad{margin:1.8rem 0;text-align:center;min-height:280px;display:flex;align-items:center;justify-content:center}
.ad-inline{min-height:280px}
.ad::before{content:"Advertentie";position:absolute;font-size:.7rem;color:#B9C2CA;transform:translateY(-2.4rem)}

/* ---------- footer ---------- */
.site-foot{background:var(--surface);border-top:1px solid var(--rule);margin-top:3rem;padding:1.8rem 0;font-size:.88rem;color:var(--ink-soft)}
.site-foot h4{margin:0 0 .5rem;font-size:.87rem;color:var(--ink);font-weight:650}
.foot-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr));gap:1.5rem}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin-bottom:.3rem}
.site-foot a{color:var(--ink-soft);text-decoration:none}
.site-foot a:hover{color:var(--accent);text-decoration:underline}
.foot-base{margin-top:1.6rem;padding-top:1rem;border-top:1px solid var(--rule-soft);font-size:.82rem}

@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}