/* ============================================================
   Meerwaardecheck — professioneel fintech ontwerp-systeem
   Hanken Grotesk · rustig wit · diepblauw accent · zachte kaarten
   ============================================================ */

@font-face{font-family:"Hanken";src:url("/fonts/hanken-400.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Hanken";src:url("/fonts/hanken-500.woff2") format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Hanken";src:url("/fonts/hanken-600.woff2") format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Hanken";src:url("/fonts/hanken-700.woff2") format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Hanken";src:url("/fonts/hanken-800.woff2") format("woff2");font-weight:800;font-display:swap}

:root{
  --bg:#ffffff; --surface:#f5f8fc; --card:#ffffff;
  --ink:#0f1a2b; --ink-2:#37455c; --muted:#69748a;
  --line:#e6ebf2; --line-2:#d7deea;
  --brand:#1653a9; --brand-dark:#113f84; --brand-soft:#eef4fc;
  --good:#0d7a53; --good-soft:#e7f4ee; --warn:#8a6410; --warn-soft:#fbf3e0; --danger:#b23a24;
  --sans:"Hanken","Segoe UI",system-ui,-apple-system,Roboto,sans-serif;
  --sh-sm:0 1px 2px rgba(16,26,43,.05);
  --sh:0 1px 2px rgba(16,26,43,.04),0 10px 30px rgba(16,26,43,.07);
  --sh-lg:0 2px 4px rgba(16,26,43,.05),0 24px 48px rgba(16,26,43,.10);
  --maxw:1080px; --r:12px; --r-sm:8px;
}
@media (prefers-color-scheme:dark){
  :root{
    --bg:#0d1320; --surface:#111a29; --card:#151e30;
    --ink:#eef2f8; --ink-2:#b6c0d0; --muted:#8996ab;
    --line:#233044; --line-2:#2c3a52;
    --brand:#5c9bf1; --brand-dark:#4787de; --brand-soft:#172740;
    --good:#43a57e; --good-soft:#152a22; --warn:#d3a24a; --warn-soft:#2c2416; --danger:#dd6d52;
  }
}
:root[data-theme="light"]{--bg:#ffffff;--surface:#f5f8fc;--card:#ffffff;--ink:#0f1a2b;--ink-2:#37455c;--muted:#69748a;--line:#e6ebf2;--line-2:#d7deea;--brand:#1653a9;--brand-dark:#113f84;--brand-soft:#eef4fc;--good:#0d7a53;--good-soft:#e7f4ee;--warn:#8a6410;--warn-soft:#fbf3e0;--danger:#b23a24}
:root[data-theme="dark"]{--bg:#0d1320;--surface:#111a29;--card:#151e30;--ink:#eef2f8;--ink-2:#b6c0d0;--muted:#8996ab;--line:#233044;--line-2:#2c3a52;--brand:#5c9bf1;--brand-dark:#4787de;--brand-soft:#172740;--good:#43a57e;--good-soft:#152a22;--warn:#d3a24a;--warn-soft:#2c2416;--danger:#dd6d52}

/* backward-compat aliassen */
:root{--text:var(--ink);--ink-soft:var(--muted);--accent:var(--brand);--accent-dark:var(--brand-dark);--accent-soft:var(--brand-soft);--soft:var(--surface);--paper:var(--bg);--paper-2:var(--surface);--rule:var(--line);--rule-ink:var(--line-2);--navy:var(--ink);--gold:var(--warn);--gold-bg:var(--warn-soft);--good-bg:var(--good-soft);--accent-ink:#fff;--body:var(--sans);--mono:var(--sans);--display:var(--sans);--radius:var(--r-sm)}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.tnum,.mono{font-variant-numeric:tabular-nums}

h1,h2,h3,h4{color:var(--ink);line-height:1.12;font-weight:800;letter-spacing:-.02em;margin:0;text-wrap:balance}
h1{font-size:clamp(2rem,4.4vw,3.1rem)}
h2{font-size:clamp(1.45rem,2.8vw,2rem);margin-bottom:.35em;font-weight:750}
h3{font-size:1.12rem;font-weight:700}
p{margin:0 0 1em}

.kicker{font-size:.76rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--brand)}
.kicker .hl,.kicker b{color:var(--brand)}

/* header */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
@media(prefers-color-scheme:dark){header.site{background:rgba(13,19,32,.86)}}
:root[data-theme="dark"] header.site{background:rgba(13,19,32,.86)}
:root[data-theme="light"] header.site{background:rgba(255,255,255,.86)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.12rem;color:var(--ink);letter-spacing:-.02em}
.logo:hover{text-decoration:none}
.logo .mk{width:30px;height:30px;display:grid;place-items:center;border-radius:8px;background:var(--brand);color:#fff;font-size:1rem;font-weight:800}
nav.top{display:flex;gap:26px;align-items:center}
nav.top a{font-size:.95rem;font-weight:500;color:var(--ink-2)}
nav.top a:hover{color:var(--brand);text-decoration:none}
@media(max-width:720px){nav.top a.hide-sm{display:none}}

/* hero */
.hero{background:linear-gradient(180deg,var(--surface),var(--bg));padding:60px 0 26px}
.hero .wrap{display:grid;gap:6px}
.hero h1{margin:.4em 0 0;max-width:17ch}
.hero h1 em{font-style:normal;color:var(--brand)}
.hero .lede{font-size:1.16rem;color:var(--ink-2);max-width:56ch;margin-top:16px}
.hero .meta-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.hero .meta-row span{font-size:.82rem;color:var(--ink-2);background:var(--card);border:1px solid var(--line);border-radius:999px;padding:8px 15px;box-shadow:var(--sh-sm)}
.hero .meta-row b{color:var(--ink);font-weight:700}

/* calculator card */
.calc-anchor{padding:26px 0 8px}
.sheet{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-lg);overflow:hidden}
.sheet .sheet-head{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:20px 26px;border-bottom:1px solid var(--line);background:var(--surface)}
.sheet .sheet-head h2{font-size:1.2rem;margin:0}
.sheet .sheet-head .ref{font-size:.78rem;color:var(--muted);font-weight:600;letter-spacing:.03em}
.calc{padding:26px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:640px){.grid2{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.field label{font-size:.9rem;font-weight:600;color:var(--ink)}
.field .hint{font-size:.83rem;color:var(--muted);line-height:1.45}
.inp{display:flex;align-items:center;border:1.5px solid var(--line-2);border-radius:var(--r-sm);background:var(--bg);transition:border-color .12s,box-shadow .12s}
.inp:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}
.inp .pre{padding:0 2px 0 14px;color:var(--muted);font-weight:600}
.inp input{border:0;outline:0;padding:13px 14px 13px 8px;font-size:1.05rem;width:100%;background:transparent;color:var(--ink);font-variant-numeric:tabular-nums}
.seg{display:inline-flex;background:var(--surface);border:1.5px solid var(--line-2);border-radius:var(--r-sm);padding:3px;width:100%;gap:3px}
.seg button{flex:1;border:0;border-radius:6px;background:transparent;padding:10px 8px;font:inherit;font-size:.92rem;font-weight:600;color:var(--muted);cursor:pointer;transition:.12s}
.seg button[aria-pressed="true"]{background:var(--brand);color:#fff;box-shadow:var(--sh-sm)}
details.adv{margin:2px 0 18px;border-top:1px solid var(--line);padding-top:16px}
details.adv summary{cursor:pointer;font-size:.9rem;font-weight:600;color:var(--brand);list-style:none}
details.adv summary::-webkit-details-marker{display:none}
details.adv summary::before{content:"+ ";font-weight:700}
details.adv[open] summary::before{content:"– "}
textarea{font-family:var(--sans);font-size:.95rem;background:var(--bg);color:var(--ink);border:1.5px solid var(--line-2);border-radius:var(--r-sm);padding:11px;width:100%}
textarea:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}

/* result */
.result{margin-top:6px;border-top:1px solid var(--line);padding-top:22px}
.result .big{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);padding:18px 20px}
.result .big .lbl{font-size:.9rem;font-weight:600;color:var(--muted);max-width:18ch;line-height:1.3}
.result .big .amt{font-size:2.4rem;font-weight:800;color:var(--ink);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.rows{margin-top:18px}
.row{display:flex;justify-content:space-between;gap:12px;padding:11px 2px;border-bottom:1px solid var(--line);font-size:.96rem}
.row:last-child{border-bottom:0}
.row .k{color:var(--ink-2)}
.row .v{font-weight:700;font-variant-numeric:tabular-nums;color:var(--ink)}
.row .v.pos{color:var(--good)}
.callout{margin-top:18px;background:var(--warn-soft);border:1px solid #eddcb4;border-radius:var(--r-sm);padding:15px 17px;font-size:.95rem;color:var(--ink-2)}
.callout.good{background:var(--good-soft);border-color:#c7e6d5}
.callout b{font-weight:700;color:var(--ink)}
.disc{font-size:.82rem;color:var(--muted);margin-top:16px;line-height:1.5}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;justify-content:center;border:1px solid var(--brand);background:var(--brand);color:#fff;font:inherit;font-weight:650;font-size:1rem;padding:13px 24px;border-radius:var(--r-sm);cursor:pointer;box-shadow:var(--sh-sm);transition:background .12s,transform .1s}
.btn:hover{background:var(--brand-dark);border-color:var(--brand-dark);text-decoration:none;transform:translateY(-1px)}
.btn-ghost{background:var(--card);color:var(--ink);border-color:var(--line-2);box-shadow:none}
.btn-ghost:hover{background:var(--surface);border-color:var(--brand);color:var(--brand)}
.btn-block{width:100%}

/* sections */
section.block{padding:56px 0}
section.block.alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.lead{max-width:62ch;color:var(--ink-2);font-size:1.07rem}
.section-head{margin-bottom:10px}
.section-head .kicker{display:block;margin-bottom:8px}

/* facts (waarom) */
.facts3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
@media(max-width:760px){.facts3{grid-template-columns:1fr}}
.facts3 .f{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;box-shadow:var(--sh-sm)}
.facts3 .f .lab{font-size:.74rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--brand);display:block;margin-bottom:12px}
.facts3 .f h3{margin:0 0 7px;font-size:1.08rem}
.facts3 .f p{margin:0;color:var(--ink-2);font-size:.95rem}

/* report / price */
.report{display:grid;grid-template-columns:1.1fr .9fr;gap:26px;align-items:center;margin-top:28px}
@media(max-width:760px){.report{grid-template-columns:1fr}}
.pricebox{background:var(--ink);color:#e7ecf4;border-radius:var(--r);padding:30px;box-shadow:var(--sh)}
.pricebox .price{font-size:2.5rem;font-weight:800;color:#fff;letter-spacing:-.02em}
.pricebox .price small{font-size:.95rem;font-weight:500;color:#9fb0c8}
.pricebox ul{list-style:none;padding:0;margin:18px 0 24px;display:flex;flex-direction:column;gap:11px}
.pricebox li{padding-left:28px;position:relative;color:#c5d0e0;font-size:.96rem}
.pricebox li::before{content:"";position:absolute;left:2px;top:.15em;width:16px;height:16px;border-radius:50%;background:var(--brand);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.3l2.4 2.4L12 5' stroke='white' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.pricebox .btn{background:#fff;color:var(--ink);border-color:#fff}
.pricebox .btn:hover{background:#e9eef6;border-color:#e9eef6;color:var(--ink)}

/* faq */
.faq details{border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:12px;background:var(--card);box-shadow:var(--sh-sm)}
.faq summary{cursor:pointer;font-weight:700;font-size:1.04rem;color:var(--ink);padding:16px 20px;list-style:none;position:relative;padding-right:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:14px;color:var(--brand);font-size:1.3rem;font-weight:600}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink-2);padding:0 20px 16px;margin:0}

/* article / legal */
article.doc{max-width:72ch;margin:0 auto;padding:42px 0}
article.doc h2{margin-top:1.6em;font-size:1.4rem}
article.doc h3{margin-top:1.3em}
article.doc ul,article.doc ol{padding-left:1.3em}
article.doc li{margin-bottom:.4em}
article.doc table{width:100%;border-collapse:collapse;margin:1.3em 0;font-size:.95rem}
article.doc th,article.doc td{border:1px solid var(--line);padding:10px 13px;text-align:left}
article.doc th{background:var(--surface);font-weight:700}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);padding:18px 22px;margin-bottom:26px}
.toc strong{display:block;margin-bottom:8px;color:var(--ink);font-weight:700}
.toc a{font-size:.94rem}
.crumb{font-size:.86rem;color:var(--muted);margin-bottom:10px}
.placeholder{background:var(--warn-soft);border:1px dashed #d9b877;color:var(--warn);padding:1px 7px;border-radius:4px;font-size:.92em}

/* modal */
.modal{position:fixed;inset:0;z-index:100;background:rgba(15,26,43,.5);backdrop-filter:blur(3px);display:none;align-items:center;justify-content:center;padding:18px}
.modal.open{display:flex}
.modal-box{max-width:470px;width:100%;background:var(--card);border-radius:var(--r);box-shadow:var(--sh-lg);padding:28px;position:relative;max-height:92vh;overflow:auto}
.modal-box h3{margin-bottom:6px}
.modal-box .sub{font-size:.92rem;color:var(--muted)}
.modal-x{position:absolute;top:12px;right:16px;border:0;background:none;font-size:1.7rem;line-height:1;color:var(--muted);cursor:pointer}
.modal-x:hover{color:var(--ink)}

/* thank-you */
.center-note{max-width:520px;margin:76px auto;text-align:center;padding:0 20px}
.center-note .big-ic{width:64px;height:64px;border-radius:50%;background:var(--good-soft);color:var(--good);display:grid;place-items:center;margin:0 auto 22px;font-size:1.7rem}

/* footer */
footer.site{background:var(--ink);color:#aeb9ca;padding:48px 0 32px}
footer.site .cols{display:flex;flex-wrap:wrap;gap:46px;justify-content:space-between}
footer.site .logo{color:#fff}
footer.site .logo .mk{background:var(--brand);color:#fff}
footer.site h4{color:#fff;font-size:.9rem;margin:0 0 13px;font-weight:700}
footer.site a{color:#c5d0e0;font-size:.93rem}
footer.site a:hover{color:#fff}
footer.site .col a{display:block;margin-bottom:9px}
footer.site .disc{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px;font-size:.82rem;color:#8593a8;max-width:76ch;line-height:1.6}