/* Verzekeringhelp.be – "Onder de paraplu" – 2026 */
@font-face{font-family:"VH Display";src:url(vh-display-light.woff) format("woff");font-weight:300;font-style:normal;font-display:swap}
@font-face{font-family:"VH Display";src:url(vh-display-light-italic.woff) format("woff");font-weight:300;font-style:italic;font-display:swap}
@font-face{font-family:"VH Display";src:url(vh-display-semibold.woff) format("woff");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"VH Text";src:url(vh-text-regular.woff) format("woff");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"VH Text";src:url(vh-text-italic.woff) format("woff");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"VH Text";src:url(vh-text-semibold.woff) format("woff");font-weight:600;font-style:normal;font-display:swap}

:root{
  --ink:#0c1a2e;--ink-2:#2c3d55;--muted:#5a6a7e;
  --paper:#fbfaf6;--white:#fff;--cloud:#edf5fc;--mist:#dbe9f6;
  --sky:#1585d8;--sky-d:#0b66b0;--sky-dd:#083f70;--sky-l:#cfe5f8;
  --yellow:#ffcd2e;--yellow-l:#fff3c4;--yellow-d:#d9a600;
  --coral:#e5533b;--coral-l:#fde9e4;--leaf:#11885d;--leaf-l:#e2f4ec;
  --line:#dfe5ec;--r:22px;--r-s:12px;
  --display:"VH Display","Inter Display",Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --text:"VH Text",Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --shadow:0 1px 2px rgba(12,26,46,.06),0 12px 32px -12px rgba(12,26,46,.18);
  --wrap:1240px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.68 var(--text);font-feature-settings:"cv11","ss01"}
img{max-width:100%;height:auto;display:block}
a{color:var(--sky-d);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--sky-dd);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--yellow);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;z-index:100;background:var(--yellow);color:var(--ink);padding:.6rem 1rem;border-radius:999px;font-weight:600}
.skip:focus{left:12px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(1.1rem,4vw,2.5rem)}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
h1,h2,h3,h4{font-family:var(--display);font-weight:300;line-height:1.08;letter-spacing:-.025em;margin:0 0 .5em;color:var(--ink)}
h1 em,h2 em,.display em{font-style:italic;color:var(--sky)}
strong,b{font-weight:600}
p{margin:0 0 1.1em}

/* ---------- topbalk ---------- */
.top{position:sticky;top:0;z-index:40;background:var(--ink);color:#fff;border-bottom:4px solid var(--yellow)}
.top__in{display:flex;align-items:center;gap:1.5rem;min-height:70px}
.top__logo{display:flex;align-items:center;flex:0 0 auto}
.top__logo img{width:214px;height:auto}
.top__nav{display:flex;gap:.25rem;margin-left:auto;align-items:center}
.top__nav a{color:#dbe7f5;text-decoration:none;font-size:.95rem;padding:.5rem .8rem;border-radius:999px;white-space:nowrap}
.top__nav a:hover,.top__nav a[aria-current]{background:rgba(255,255,255,.1);color:#fff}
.btn-umb{display:inline-flex;align-items:center;gap:.55rem;border:0;cursor:pointer;background:var(--yellow);color:var(--ink);font:600 .95rem/1 var(--text);padding:.72rem 1.1rem .72rem .85rem;border-radius:999px;box-shadow:0 0 0 0 rgba(255,205,46,.6);transition:transform .2s,box-shadow .2s}
.btn-umb:hover{transform:translateY(-1px);box-shadow:0 0 0 6px rgba(255,205,46,.22)}
.btn-umb svg{width:22px;height:22px}
.btn-umb kbd{font:600 .7rem/1 ui-monospace,monospace;background:rgba(12,26,46,.12);border-radius:5px;padding:.2rem .35rem;margin-left:.2rem}
@media (max-width:1060px){.top__nav a.opt{display:none}}
@media (max-width:760px){.top__nav a{display:none}.top__logo img{width:170px}.btn-umb kbd{display:none}.btn-umb span.l{display:none}.btn-umb{padding:.7rem}}

/* ---------- broodkruimels ---------- */
.crumbs{font-size:.86rem;color:var(--muted);padding-top:1.1rem;position:relative}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem}
.crumbs li+li::before{content:"›";margin-right:.35rem;color:#9aa8b8}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--sky-d);text-decoration:underline}

/* ---------- knoppen & labels ---------- */
.btn{display:inline-flex;align-items:center;gap:.5rem;font:600 1rem/1 var(--text);padding:.95rem 1.35rem;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer}
.btn--ink{background:var(--ink);color:#fff}.btn--ink:hover{background:var(--sky-dd);color:#fff}
.btn--sky{background:var(--sky);color:#fff}.btn--sky:hover{background:var(--sky-d);color:#fff}
.btn--yellow{background:var(--yellow);color:var(--ink)}.btn--yellow:hover{background:#ffd95c;color:var(--ink)}
.btn--line{border-color:currentColor;color:var(--ink);background:transparent}.btn--line:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.kicker{display:inline-flex;align-items:center;gap:.5rem;font:600 .78rem/1 var(--text);letter-spacing:.12em;text-transform:uppercase;color:var(--sky-d);margin-bottom:1.1rem}
.kicker::before{content:"";width:22px;height:12px;background:var(--sky);-webkit-mask:var(--canopy) center/contain no-repeat;mask:var(--canopy) center/contain no-repeat}
:root{--drop:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 30'%3E%3Cpath d='M11 0S0 13 0 19a11 11 0 0 0 22 0C22 13 11 0 11 0z'/%3E%3C/svg%3E");--canopy:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 44 24'%3E%3Cpath d='M22 1C10 1 2 10 1 22c3-3 6-3 7 0 2-3 5-3 7 0 2-3 5-3 7 0 2-3 5-3 7 0 2-3 5-3 7 0 1-3 4-3 7 0C42 10 34 1 22 1z'/%3E%3C/svg%3E")}

/* hand getekende onderlijn */
.sketch{position:relative;white-space:nowrap;font-style:italic;color:var(--sky);isolation:isolate}
.sketch::after{content:"";position:absolute;left:-2%;right:-2%;bottom:-.12em;height:.32em;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 14' preserveAspectRatio='none'%3E%3Cpath d='M2 9c40-6 88-8 134-5 22 1 42 3 62 6M8 12c50-5 110-6 186-2' fill='none' stroke='%23ffcd2e' stroke-width='3.2' stroke-linecap='round'/%3E%3C/svg%3E") center/100% 100% no-repeat;z-index:-1}

/* ---------- hero (artikel) ---------- */
.hero{position:relative;overflow:hidden;padding:1.2rem 0 3.4rem;background:
  linear-gradient(180deg,var(--cloud) 0%,var(--paper) 100%)}
.hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(105deg,transparent 0 46px,rgba(21,133,216,.07) 46px 47px,transparent 47px 92px);-webkit-mask:linear-gradient(180deg,#000 0,transparent 85%);mask:linear-gradient(180deg,#000 0,transparent 85%);pointer-events:none}
.hero__grid{position:relative;display:grid;grid-template-columns:1.12fr .88fr;gap:clamp(1.5rem,4vw,4rem);align-items:center;padding-top:1.6rem}
.hero h1{font-size:clamp(2.1rem,5.2vw,4.4rem);margin-bottom:.35em;hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
.hero__lead{font-size:clamp(1.08rem,1.6vw,1.24rem);color:var(--ink-2);max-width:40rem}
.hero__meta{display:flex;flex-wrap:wrap;gap:.5rem 1rem;margin-top:1.3rem;font-size:.9rem;color:var(--muted)}
.hero__meta span{display:inline-flex;align-items:center;gap:.35rem}
.hero--plain .hero__grid{grid-template-columns:1fr}
@media (max-width:880px){.hero__grid{grid-template-columns:1fr}}

/* paraplu-foto: koepel bovenaan, geschulpte onderrand, steel */
.canopy{position:relative;margin:0;padding-bottom:64px}
.canopy__img{position:relative;border-radius:50% 50% 0 0/34% 34% 0 0;overflow:hidden;background:var(--mist);aspect-ratio:5/4;
  -webkit-mask:linear-gradient(#000,#000) top/100% calc(100% - 34px) no-repeat,radial-gradient(54% 64% at 50% 100%,#0000 97%,#000 100%) bottom/14.2857% 34px repeat-x;
          mask:linear-gradient(#000,#000) top/100% calc(100% - 34px) no-repeat,radial-gradient(54% 64% at 50% 100%,#0000 97%,#000 100%) bottom/14.2857% 34px repeat-x}
.canopy__img img{width:100%;height:100%;object-fit:cover}
.canopy::before{content:"";position:absolute;left:50%;bottom:14px;width:5px;height:64px;margin-left:-2.5px;background:var(--ink);border-radius:3px}
.canopy::after{content:"";position:absolute;left:50%;bottom:0;width:26px;height:26px;margin-left:-23.5px;border:5px solid var(--ink);border-top-color:transparent;border-right-color:var(--ink);border-left-color:var(--ink);border-radius:0 0 50% 50%;clip-path:inset(50% 0 0 0)}
.canopy figcaption{font-size:.82rem;color:var(--muted);margin-top:.6rem;text-align:center}

/* ---------- samenvatting + polisblad ---------- */
.brief{display:grid;grid-template-columns:1.2fr .8fr;gap:1.4rem;margin:-1.6rem 0 2.6rem;position:relative;z-index:2}
.brief--solo{grid-template-columns:1fr}
@media (max-width:880px){.brief{grid-template-columns:1fr}}
.dry{background:var(--yellow);border-radius:var(--r);padding:1.6rem 1.7rem 1.5rem;box-shadow:var(--shadow);position:relative}
.dry h2{font-size:1.05rem;font-family:var(--text);font-weight:600;letter-spacing:0;display:flex;align-items:center;gap:.55rem;margin-bottom:1rem}
.dry h2 svg{width:26px;height:26px}
.dry ol{list-style:none;counter-reset:d;margin:0;padding:0;display:grid;gap:.75rem}
.dry li{counter-increment:d;display:grid;grid-template-columns:2.1rem 1fr;gap:.6rem;align-items:baseline;line-height:1.5}
.dry li::before{content:counter(d);font:300 2rem/1 var(--display);color:var(--ink)}
.polis{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:1.4rem 1.5rem 1.2rem 2.2rem;position:relative;overflow:hidden}
.polis::before{content:"";position:absolute;left:0;top:0;bottom:0;width:14px;background:radial-gradient(circle at 0 50%,var(--paper) 5px,transparent 5.5px) 0 0/14px 18px repeat-y,var(--sky-l)}
.polis__head{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem;margin-bottom:.8rem}
.polis__head p{margin:0;font:600 .72rem/1.2 var(--text);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.stamp{display:inline-block;transform:rotate(-6deg);border:3px double currentColor;border-radius:8px;padding:.35rem .6rem;font:600 .76rem/1.1 var(--text);letter-spacing:.08em;text-transform:uppercase;text-align:center;white-space:nowrap}
.stamp--ja{color:var(--coral)}.stamp--soms{color:var(--yellow-d)}.stamp--nee{color:var(--leaf)}.stamp--contract{color:var(--sky-d)}
.polis dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:.5rem 1rem;font-size:.95rem}
.polis dt{color:var(--muted);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;padding-top:.15rem}
.polis dd{margin:0;font-weight:600}

/* ---------- artikel ---------- */
.article{display:grid;grid-template-columns:minmax(0,46rem) 1fr;gap:clamp(2rem,5vw,5rem);padding-bottom:3rem}
@media (max-width:1100px){.article{grid-template-columns:1fr}.toc{display:none}}
.prose{min-width:0}
.prose>p:first-child{font-size:1.16rem;color:var(--ink-2)}
.prose h2{font-size:clamp(1.65rem,2.7vw,2.25rem);margin:2.4em 0 .65em;padding-top:.9em;border-top:1px solid var(--line);position:relative}
.prose h2::before{content:"";position:absolute;top:-2px;left:0;width:56px;height:3px;background:var(--sky);border-radius:3px}
.prose h3{font-size:1.32rem;font-weight:600;letter-spacing:-.01em;margin:1.8em 0 .5em}
.prose h4{font-family:var(--text);font-size:1.05rem;font-weight:600;letter-spacing:0;margin:1.4em 0 .4em}
.prose ul,.prose ol{padding-left:0;margin:0 0 1.3em;list-style:none}
.prose ul>li{position:relative;padding-left:1.7rem;margin-bottom:.55em}
.prose ul>li::before{content:"";position:absolute;left:.15rem;top:.5em;width:11px;height:15px;background:var(--sky);-webkit-mask:var(--drop) center/contain no-repeat;mask:var(--drop) center/contain no-repeat}
.prose ol:not(.steps)>li{counter-increment:o;position:relative;padding-left:2.2rem;margin-bottom:.6em}
.prose ol:not(.steps){counter-reset:o}
.prose ol:not(.steps)>li::before{content:counter(o);position:absolute;left:0;top:0;font:600 .85rem/1.6rem var(--text);width:1.6rem;height:1.6rem;text-align:center;border-radius:50%;background:var(--cloud);color:var(--sky-d)}
.prose blockquote{margin:1.6em 0;padding:1rem 1.4rem;border-left:4px solid var(--sky);background:var(--cloud);border-radius:0 var(--r-s) var(--r-s) 0;font-style:italic}
.prose figure{margin:2em 0}
.prose figure img{border-radius:var(--r);width:100%;max-height:520px;object-fit:cover}
.prose figure.portrait img{max-height:620px;width:auto;margin:0 auto}
.prose figcaption{font-size:.84rem;color:var(--muted);margin-top:.5rem}
.prose table{width:100%;border-collapse:collapse;font-size:.95rem;margin:0 0 1.4em}
.prose th,.prose td{text-align:left;padding:.7rem .8rem;border-bottom:1px solid var(--line);vertical-align:top}
.prose thead th{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);border-bottom:2px solid var(--ink)}
.prose caption{caption-side:top;text-align:left;font-weight:600;margin-bottom:.5rem}
.compare{overflow-x:auto;background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:1rem 1.2rem;margin:0 0 1.6em}
.compare td.y{color:var(--leaf);font-weight:600}.compare td.n{color:var(--coral);font-weight:600}

/* gedekt / niet gedekt */
.cover{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.4em 0 1.8em}
@media (max-width:640px){.cover{grid-template-columns:1fr}}
.cover>div{border-radius:var(--r);padding:1.3rem 1.3rem .6rem}
.cover h3{margin:0 0 .8rem!important;font-family:var(--text);font-size:1rem!important;font-weight:600;display:flex;align-items:center;gap:.5rem}
.cover h3::before{content:"";width:28px;height:28px;flex:0 0 28px;border-radius:50%;background:#fff center/18px no-repeat}
.cover__yes{background:var(--leaf-l)}
.cover__yes h3::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2311885d' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E")}
.cover__no{background:var(--coral-l)}
.cover__no h3::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23e5533b'%3E%3Cpath d='M12 2s7 8 7 13a7 7 0 01-14 0c0-5 7-13 7-13z'/%3E%3C/svg%3E")}
.cover ul>li::before{background:var(--leaf)!important}
.cover__no ul>li::before{background:var(--coral)!important}
.cover ul{font-size:.97rem}

/* kleine lettertjes */
.fine{position:relative;margin:1.8em 0;padding:1.1rem 1.3rem 1.1rem 3.6rem;border:1.5px dashed #b9c6d4;border-radius:var(--r-s);background:#fff;font-size:.94rem;color:var(--ink-2)}
.fine::before{content:"";position:absolute;left:1.1rem;top:1.15rem;width:26px;height:26px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b66b0' stroke-width='2.2' stroke-linecap='round'%3E%3Ccircle cx='10' cy='10' r='6.5'/%3E%3Cpath d='M15 15l6 6M7.5 10h5'/%3E%3C/svg%3E") center/contain no-repeat}
.fine p:last-child{margin:0}
.fine strong:first-child{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--sky-d);margin-right:.25rem}

/* stappen */
.steps{list-style:none;padding:0;margin:1.4em 0;counter-reset:s;display:grid;gap:1rem}
.steps>li{counter-increment:s;position:relative;background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:1.3rem 1.4rem 1rem 4.6rem;margin:0}
.steps>li::before{content:counter(s);position:absolute;left:1.3rem;top:1.15rem;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--yellow);font:300 1.5rem/2.4rem var(--display);text-align:center;color:var(--ink)}
.steps h3{margin:.15rem 0 .4rem!important;font-size:1.15rem!important}
.steps p:last-child{margin:0}

/* FAQ */
.faq{display:grid;gap:.7rem;margin:1.2em 0 2em}
.faq details{background:#fff;border-radius:var(--r-s);box-shadow:0 1px 2px rgba(12,26,46,.06);border:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:1rem 3rem 1rem 1.2rem;font-weight:600;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:1.1rem;top:50%;width:22px;height:12px;margin-top:-6px;background:var(--sky);-webkit-mask:var(--canopy) center/contain no-repeat;mask:var(--canopy) center/contain no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(180deg);background:var(--yellow-d)}
.faq details>p,.faq details>div{padding:0 1.2rem 1rem;margin:0}

/* inhoudstafel */
.toc{position:relative}
.toc__in{position:sticky;top:104px;padding:1.3rem 1.3rem 1.1rem;border-radius:var(--r);background:#fff;box-shadow:var(--shadow)}
.toc h2{font:600 .74rem/1 var(--text);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 .9rem}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc li a{display:block;padding:.38rem 0 .38rem .9rem;margin-left:-2px;border-left:2px solid transparent;color:var(--ink-2);text-decoration:none;font-size:.9rem;line-height:1.35}
.toc li a:hover{color:var(--sky-d)}
.toc li a.on{border-left-color:var(--sky);color:var(--ink);font-weight:600}
.toc__cta{margin-top:1.1rem;padding-top:1rem;border-top:1px solid var(--line);font-size:.9rem}
.toc__cta a{font-weight:600}

/* kaarten */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:1.1rem}
.card{position:relative;display:flex;flex-direction:column;background:#fff;border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden;color:var(--ink);text-decoration:none;transition:transform .2s,box-shadow .2s}
a.card:hover{transform:translateY(-3px);box-shadow:0 2px 4px rgba(12,26,46,.06),0 22px 40px -14px rgba(12,26,46,.28);color:var(--ink)}
.card__img{aspect-ratio:16/10;background:var(--mist);overflow:hidden;border-radius:50% 50% 0 0/26% 26% 0 0;margin:.8rem .8rem 0}
.card__img img{width:100%;height:100%;object-fit:cover}
.card__img--icon{display:grid;place-items:center;background:linear-gradient(160deg,var(--sky-l),var(--cloud));color:var(--sky-d)}
.card__img--icon svg{width:56px;height:56px;opacity:.85}
.card__body{padding:1rem 1.2rem 1.25rem;display:flex;flex-direction:column;gap:.35rem;flex:1}
.card__cat{font:600 .7rem/1 var(--text);letter-spacing:.12em;text-transform:uppercase;color:var(--sky-d)}
.card h3{font-size:1.22rem;margin:0;font-weight:300;letter-spacing:-.015em}
.card p{font-size:.92rem;color:var(--muted);margin:0}
.card__go{margin-top:auto;padding-top:.6rem;font-weight:600;font-size:.88rem;color:var(--sky-d)}
.cards--plain .card{padding:1.3rem 1.3rem 1rem}
.cards--plain .card h3{font-size:1.15rem;font-weight:600;margin-bottom:.4rem}
.cards--plain .card p{color:var(--ink-2)}

/* secties */
.band{padding:clamp(3rem,7vw,5.5rem) 0}
.band--cloud{background:var(--cloud)}
.band--yellow{background:var(--yellow)}
.band--ink{background:var(--ink);color:#e7eef7}
.band--ink h2,.band--ink h3{color:#fff}
.band__head{display:flex;justify-content:space-between;align-items:flex-end;gap:1.5rem;margin-bottom:2rem;flex-wrap:wrap}
.band__head h2{font-size:clamp(2rem,4.2vw,3.2rem);margin:0;max-width:44rem}
.band__head p{margin:.6rem 0 0;color:var(--muted);max-width:40rem}
.band--ink .band__head p{color:#aebbd0}

.related{padding:3rem 0 4rem;border-top:1px solid var(--line)}
.related h2{font-size:clamp(1.7rem,3vw,2.3rem)}

/* CTA strook */
.cta{display:grid;grid-template-columns:auto 1fr auto;gap:1.5rem;align-items:center;background:var(--ink);color:#fff;border-radius:calc(var(--r) + 8px);padding:1.6rem 2rem;margin:0 0 3rem;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(105deg,transparent 0 30px,rgba(255,255,255,.05) 30px 31px);pointer-events:none}
.cta h2{color:#fff;font-size:1.5rem;margin:0 0 .2rem}
.cta p{margin:0;color:#b9c7da}
.cta svg{width:64px;height:64px}
@media (max-width:760px){.cta{grid-template-columns:1fr}.cta svg{display:none}}

/* ---------- home ---------- */
.home-hero{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--cloud),var(--paper));padding:clamp(2.5rem,6vw,5rem) 0 clamp(3rem,6vw,5rem)}
.home-hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(105deg,transparent 0 38px,rgba(21,133,216,.09) 38px 39px,transparent 39px 76px);-webkit-mask:linear-gradient(90deg,transparent 30%,#000 70%);mask:linear-gradient(90deg,transparent 30%,#000 70%);pointer-events:none;animation:rain 1.6s linear infinite}
@keyframes rain{to{background-position:0 76px}}
.home-hero__grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,5rem);align-items:center}
@media (max-width:900px){.home-hero__grid{grid-template-columns:1fr}}
.home-hero h1{font-size:clamp(2.7rem,6.6vw,5.6rem);line-height:1.02;margin-bottom:.4em}
.home-hero .lead{font-size:clamp(1.1rem,1.7vw,1.3rem);color:var(--ink-2);max-width:36rem}
.home-hero .actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}
.forecast{position:absolute;left:-8%;bottom:9%;background:#fff;border-radius:18px;box-shadow:var(--shadow);padding:.9rem 1.1rem;display:flex;gap:.8rem;align-items:center;font-size:.88rem;max-width:250px}
.forecast b{display:block;font:300 1.6rem/1 var(--display)}
.forecast svg{width:40px;height:40px;flex:0 0 40px}
@media (max-width:900px){.forecast{left:4%}}
.stats{display:flex;flex-wrap:wrap;gap:2.2rem;margin-top:2.4rem;padding-top:1.6rem;border-top:1px solid var(--line)}
.stats div{font-size:.86rem;color:var(--muted)}
.stats b{display:block;font:300 2.2rem/1 var(--display);color:var(--ink)}

/* levensmomenten */
.moments{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
@media (max-width:960px){.moments{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.moments{grid-template-columns:1fr}}
.moment{background:#fff;border-radius:var(--r);padding:1.4rem 1.4rem 1.2rem;box-shadow:var(--shadow);position:relative;overflow:hidden}
.moment__w{display:flex;align-items:center;gap:.7rem;margin-bottom:.8rem}
.moment__w svg{width:44px;height:44px;flex:0 0 44px}
.moment h3{font-size:1.35rem;margin:0}
.moment p{font-size:.92rem;color:var(--muted);margin:0 0 .8rem}
.moment ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.4rem}
.moment li a{display:inline-block;font-size:.86rem;padding:.38rem .75rem;border-radius:999px;background:var(--cloud);text-decoration:none;color:var(--sky-dd)}
.moment li a:hover{background:var(--sky);color:#fff}
.moment li a.must{background:var(--ink);color:#fff}
.moment li a.must::after{content:" · verplicht";color:var(--yellow);font-size:.78rem}

/* baleinen (categorieën) */
.ribs7{display:grid;grid-template-columns:repeat(7,1fr);gap:0;background:#fff;border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}
@media (max-width:1100px){.ribs7{grid-template-columns:repeat(4,1fr)}}
@media (max-width:640px){.ribs7{grid-template-columns:repeat(2,1fr)}}
.rib{display:flex;flex-direction:column;gap:.5rem;padding:1.4rem 1.1rem 1.2rem;text-decoration:none;color:var(--ink);border-right:1px solid var(--line);border-bottom:1px solid var(--line);position:relative;transition:background .2s}
.rib:hover{background:var(--yellow);color:var(--ink)}
.rib svg{width:34px;height:34px;color:var(--sky)}
.rib b{font:300 1.25rem/1.15 var(--display);letter-spacing:-.01em}
.rib small{color:var(--muted);font-size:.8rem;line-height:1.35}
.rib i{font-style:normal;font:600 .72rem/1 var(--text);color:var(--sky-d);margin-top:auto}

/* uitgelicht */
.feature{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}
@media (max-width:800px){.feature{grid-template-columns:1fr}}
.feature article{display:grid;grid-template-columns:150px 1fr;gap:1.2rem;align-items:start;background:#fff;border-radius:var(--r);padding:1.2rem;box-shadow:var(--shadow)}
.feature img{width:150px;height:150px;object-fit:cover;border-radius:50% 50% 14px 14px/42% 42% 14px 14px}
.feature h3{font-size:1.45rem;margin:.2rem 0 .5rem}
.feature h3 a{color:var(--ink);text-decoration:none}
.feature h3 a:hover{color:var(--sky-d)}
.feature p{font-size:.94rem;color:var(--ink-2);margin:0 0 .6rem}
@media (max-width:480px){.feature article{grid-template-columns:1fr}.feature img{width:100%;height:180px}}

/* tools */
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
@media (max-width:900px){.tools{grid-template-columns:1fr}}
.tool{display:flex;flex-direction:column;gap:.6rem;background:var(--ink);color:#dfe8f3;border-radius:var(--r);padding:1.6rem;text-decoration:none;transition:transform .2s}
.tool:hover{transform:translateY(-3px);color:#fff}
.tool b{font:300 1.6rem/1.1 var(--display);color:#fff}
.tool span{font-size:.94rem;color:#b2c1d5}
.tool i{font-style:normal;margin-top:auto;font-weight:600;color:var(--yellow)}
.tool svg{width:42px;height:42px}

/* ---------- tool UI ---------- */
.panel{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:clamp(1.2rem,3vw,2rem);margin:0 0 2rem}
.q{border:0;margin:0 0 1.4rem;padding:0}
.q legend{font-weight:600;margin-bottom:.6rem;font-size:1.02rem}
.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chips label{position:relative;cursor:pointer}
.chips input{position:absolute;opacity:0;inset:0}
.chips span{display:inline-block;padding:.55rem 1rem;border-radius:999px;border:1.5px solid var(--line);background:var(--paper);font-size:.94rem;transition:all .15s}
.chips input:checked+span{background:var(--ink);color:#fff;border-color:var(--ink)}
.chips input:focus-visible+span{outline:3px solid var(--yellow);outline-offset:2px}
.field{display:grid;gap:.35rem;margin-bottom:1rem}
.field label{font-weight:600;font-size:.94rem}
.field input,.field select,.field textarea{font:inherit;padding:.7rem .85rem;border:1.5px solid var(--line);border-radius:10px;background:var(--paper);color:var(--ink);width:100%}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--sky);outline:0;box-shadow:0 0 0 4px var(--sky-l)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}
@media (max-width:640px){.grid2{grid-template-columns:1fr}}
.result{display:grid;gap:1rem}
.bucket{border-radius:var(--r-s);padding:1rem 1.2rem;background:var(--cloud)}
.bucket h3{font-family:var(--text);font-size:1rem!important;font-weight:600;margin:0 0 .5rem!important;display:flex;align-items:center;gap:.5rem}
.bucket ul{margin:0!important}
.bucket--ja{background:var(--coral-l)}.bucket--contract{background:var(--sky-l)}.bucket--raad{background:var(--yellow-l)}.bucket--opt{background:var(--leaf-l)}
.bucket .why{display:block;font-size:.86rem;color:var(--muted)}
.dates{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:.8rem;margin:1rem 0}
.date{background:var(--cloud);border-radius:var(--r-s);padding:1rem}
.date small{display:block;font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.date b{font:300 1.55rem/1.2 var(--display)}
.letter{white-space:pre-wrap;font:400 .95rem/1.6 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:var(--paper);border:1.5px dashed #b9c6d4;border-radius:var(--r-s);padding:1.2rem;margin:0 0 1rem}
.inv-room{border-top:1px solid var(--line);padding:1rem 0}
.inv-room h3{display:flex;justify-content:space-between;align-items:baseline;margin:0 0 .6rem!important;font-size:1.2rem!important}
.inv-room h3 span{font:600 1rem var(--text)}
.inv-row{display:grid;grid-template-columns:1fr 130px 40px;gap:.5rem;margin-bottom:.4rem}
.inv-row input{font:inherit;padding:.5rem .6rem;border:1.5px solid var(--line);border-radius:8px;background:var(--paper);width:100%}
.inv-row button,.icon-btn{border:0;background:var(--cloud);border-radius:8px;cursor:pointer;font:600 1rem var(--text);color:var(--ink)}
.inv-total{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;background:var(--yellow);border-radius:var(--r-s);padding:1rem 1.3rem;margin-top:1rem}
.inv-total b{font:300 2rem/1 var(--display)}
.note{font-size:.86rem;color:var(--muted)}
@media print{.top,.foot,.fab,.crumbs,.toc,.related,.cta,.no-print,.umbrella{display:none!important}body{background:#fff}.panel{box-shadow:none}}

/* woordenboek */
.az{display:flex;flex-wrap:wrap;gap:.35rem;margin:0 0 2rem;position:sticky;top:78px;z-index:5;background:var(--paper);padding:.6rem 0}
.az a{display:inline-grid;place-items:center;width:2.2rem;height:2.2rem;border-radius:50%;background:#fff;box-shadow:0 1px 2px rgba(12,26,46,.1);text-decoration:none;font-weight:600;color:var(--ink)}
.az a:hover{background:var(--yellow)}
.terms{margin:0}
.terms dt{font:300 1.5rem/1.2 var(--display);margin-top:1.6rem;scroll-margin-top:140px}
.terms dd{margin:.4rem 0 0;color:var(--ink-2)}

/* ---------- paraplu-menu ---------- */
.umbrella{position:fixed;inset:0;z-index:90;overflow-y:auto;background:radial-gradient(120% 80% at 50% 0,#1c8fe2 0,#0b66b0 45%,#083f70 100%);color:#fff;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.umbrella.open{opacity:1;visibility:visible}
.umbrella__rain{position:fixed;inset:0;pointer-events:none;background:repeating-linear-gradient(105deg,transparent 0 26px,rgba(255,255,255,.08) 26px 27px,transparent 27px 52px);background-size:100% 104px;animation:rain2 .9s linear infinite}
@keyframes rain2{to{background-position:0 104px}}
.umbrella__in{position:relative;max-width:1100px;margin:0 auto;padding:1.2rem clamp(1rem,3vw,2rem) 3rem}
.umbrella__bar{display:flex;align-items:center;gap:1rem;margin-bottom:.6rem}
.umbrella__bar .ttl{font:600 .78rem/1 var(--text);letter-spacing:.16em;text-transform:uppercase;color:var(--yellow)}
.umbrella__search{flex:1;max-width:420px;margin-left:auto;position:relative}
.umbrella__search input{width:100%;font:inherit;padding:.75rem 1rem .75rem 2.6rem;border-radius:999px;border:0;background:rgba(255,255,255,.14);color:#fff}
.umbrella__search input::placeholder{color:#cfe2f6}
.umbrella__search input:focus{background:#fff;color:var(--ink);outline:0;box-shadow:0 0 0 4px rgba(255,205,46,.6)}
.umbrella__search svg{position:absolute;left:.9rem;top:50%;width:18px;height:18px;margin-top:-9px;opacity:.8}
.umbrella__close{border:0;background:rgba(255,255,255,.14);color:#fff;width:46px;height:46px;border-radius:50%;cursor:pointer;font-size:1.5rem;line-height:1}
.umbrella__close:hover{background:var(--yellow);color:var(--ink)}
.umbrella__canopy{position:relative;max-width:min(820px,calc((100vh - 210px) * 1.92));margin:0 auto}
.umbrella__canopy svg.dome{width:100%;height:auto;display:block;overflow:visible}
.seg{transition:fill .2s}
.seg.even{fill:#fff}.seg.odd{fill:#cfe5f8}
.seg.on{fill:var(--yellow)}
.umbrella__ribs{position:absolute;inset:0;margin:0;padding:0;list-style:none}
.umbrella__ribs li{position:absolute;transform:translate(-50%,-50%)}
.rbtn{display:flex;flex-direction:column;align-items:center;gap:.25rem;border:0;background:transparent;cursor:pointer;color:var(--sky-dd);font:600 .86rem/1.15 var(--text);text-align:center;padding:.4rem;border-radius:12px;max-width:110px}
.rbtn svg{width:30px;height:30px}
.rbtn[aria-selected=true]{color:var(--ink)}
.rbtn:focus-visible{outline:3px solid var(--ink)}
.umbrella__dry{position:relative;margin:0 auto;max-width:1000px;padding-top:1.4rem}
.umbrella__dry::before{content:"";position:absolute;left:50%;top:-6px;width:5px;height:2.4rem;background:#fff;transform:translateX(-50%);border-radius:3px}
.dry-panel{background:#fff;color:var(--ink);border-radius:var(--r);padding:1.6rem clamp(1.2rem,3vw,2.2rem) 1.4rem;box-shadow:0 30px 60px -20px rgba(0,0,0,.45)}
.dry-panel[hidden]{display:none}
.dry-panel h2{font-size:clamp(1.6rem,3vw,2.2rem);margin:0 0 .2rem}
.dry-panel>p{color:var(--muted);margin:0 0 1rem}
.dry-panel ul{list-style:none;margin:0;padding:0;columns:3 230px;column-gap:2rem}
.dry-panel li{break-inside:avoid;margin:0 0 .25rem}
.dry-panel li a{display:block;padding:.38rem .2rem;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line);font-size:.97rem}
.dry-panel li a:hover{color:var(--sky-d);border-bottom-color:var(--sky)}
.dry-panel li a.sub{padding-left:1rem;font-size:.9rem;color:var(--ink-2)}
.dry-panel li a.sub::before{content:"↳ ";color:#9fb1c5}
.dry-panel .more{margin-top:1rem;display:flex;flex-wrap:wrap;gap:.5rem}
.umbrella__foot{display:flex;flex-wrap:wrap;justify-content:center;gap:.5rem;margin-top:1.4rem}
.umbrella__foot a{color:#fff;text-decoration:none;font-size:.9rem;padding:.45rem .9rem;border-radius:999px;background:rgba(255,255,255,.12)}
.umbrella__foot a:hover{background:var(--yellow);color:var(--ink)}
@media (max-width:700px){
  .umbrella__canopy svg.dome{max-width:420px;margin:0 auto}
  .umbrella__ribs{position:static;display:flex;flex-wrap:wrap;justify-content:center;gap:.4rem;margin-top:1rem}
  .umbrella__ribs li{position:static;transform:none}
  .rbtn{flex-direction:row;background:rgba(255,255,255,.14);color:#fff;border-radius:999px;padding:.5rem .85rem;max-width:none}
  .rbtn svg{width:18px;height:18px}
  .rbtn[aria-selected=true]{background:var(--yellow);color:var(--ink)}
  .umbrella__bar{flex-wrap:wrap}.umbrella__search{order:3;max-width:none;flex-basis:100%}
}

/* zwevende paraplu (leesvoortgang) */
.fab{position:fixed;right:clamp(.9rem,2vw,1.6rem);bottom:clamp(.9rem,2vw,1.6rem);z-index:50;width:62px;height:62px;border-radius:50%;border:0;cursor:pointer;background:var(--ink);box-shadow:0 10px 26px -8px rgba(12,26,46,.55);display:grid;place-items:center;transition:transform .2s}
.fab:hover{transform:scale(1.06)}
.fab svg{width:38px;height:38px}
.fab .fill{transition:height .15s}

/* ---------- footer ---------- */
.foot{background:var(--ink);color:#b8c6d8;position:relative;overflow:hidden;margin-top:0}
.foot::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(105deg,transparent 0 40px,rgba(255,255,255,.035) 40px 41px);pointer-events:none}
.foot__mark{position:absolute;right:-6%;top:-8%;width:min(620px,70vw);opacity:.06;color:#fff;pointer-events:none}
.foot__top{position:relative;padding:clamp(3.5rem,7vw,6rem) 0 2.5rem;display:grid;grid-template-columns:1.2fr 1fr;gap:2rem;align-items:end;border-bottom:1px solid rgba(255,255,255,.12)}
@media (max-width:860px){.foot__top{grid-template-columns:1fr}}
.foot__slogan{font:300 clamp(2.8rem,8vw,6.4rem)/.98 var(--display);letter-spacing:-.04em;color:#fff;margin:0}
.foot__slogan em{font-style:italic;color:var(--yellow)}
.foot__intro p{margin:0 0 1.2rem;max-width:30rem}
.foot__intro img{width:230px;margin-bottom:1.2rem}
.foot__cols{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;padding:2.6rem 0}
@media (max-width:900px){.foot__cols{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.foot__cols{grid-template-columns:1fr}}
.foot h2{font:600 .76rem/1 var(--text);letter-spacing:.14em;text-transform:uppercase;color:var(--yellow);margin:0 0 1rem}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:.45rem}
.foot a{color:#dbe6f3;text-decoration:none;font-size:.94rem}
.foot a:hover{color:var(--yellow);text-decoration:underline}
.foot a.btn--yellow,.foot a.btn--yellow:hover{color:var(--ink);text-decoration:none}
.foot__base{position:relative;display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem;padding:1.4rem 0 2.2rem;border-top:1px solid rgba(255,255,255,.12);font-size:.84rem;color:#8ea0b8}
.foot__base nav{display:flex;flex-wrap:wrap;gap:1.2rem}
.foot__base a{font-size:.84rem;color:#a9b9cd}
.drops{height:14px;background:radial-gradient(circle at 10px 0,var(--paper) 10px,transparent 10.5px) 0 0/20px 14px repeat-x;background-color:var(--ink)}

/* 404 */
.lost{text-align:center;padding:5rem 0 4rem}
.lost h1{font-size:clamp(3rem,8vw,6rem)}
.lost svg{width:160px;margin:0 auto 1.5rem}

/* blog */
.post-meta{font-size:.9rem;color:var(--muted)}