:root {
  --kleur-achtergrond: #ffffff;
  --kleur-tekst: #1a2e1a;
  --kleur-primair: #e87722;
  --kleur-primair-contrast: #ffffff;
  --kleur-zacht: #f2f7f2;
  --font-koppen: Georgia, 'Times New Roman', serif;
  --font-tekst: 'Segoe UI', Arial, sans-serif;
  --radius: 8px;
  --kleur-groen: #1e5631;
  --kleur-groen-licht: #2e7d4f;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: var(--font-tekst);
  color: var(--kleur-tekst);
  background: var(--kleur-achtergrond);
  font-size: 16px;
  line-height: 1.7;
}

img { max-width: 100%; height: auto; }

a { color: var(--kleur-primair); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-koppen);
  color: var(--kleur-groen);
  line-height: 1.25;
}

h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); margin-bottom: 0.75rem; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); margin-bottom: 0.5rem; }

.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* HEADER */
header {
  background: var(--kleur-achtergrond);
  border-bottom: 2px solid var(--kleur-zacht);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.07);
}

.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0.75rem 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.logo a {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  text-decoration: none;
  color: var(--kleur-groen);
}

.logo-icon {
  font-size: 2rem;
  line-height: 1;
}

.logo-tekst {
  font-size: 1.1rem;
  font-family: var(--font-koppen);
  line-height: 1.2;
}

.logo-tekst strong {
  display: block;
  font-size: 1.2rem;
  color: var(--kleur-groen);
}

.logo-tekst small {
  font-size: 0.7rem;
  color: #555;
  font-family: var(--font-tekst);
  letter-spacing: 0.03em;
}

nav ul {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.1rem;
  align-items: center;
}

nav ul li {
  position: relative;
}

nav ul li a {
  font-size: 15px;
  color: var(--kleur-tekst);
  padding: 0.5rem 0.75rem;
  display: block;
  border-radius: var(--radius);
  transition: background 0.2s, color 0.2s;
  white-space: nowrap;
}

nav ul li a:hover {
  background: var(--kleur-zacht);
  color: var(--kleur-groen);
  text-decoration: none;
}

nav ul li ul {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--kleur-achtergrond);
  border: 1px solid var(--kleur-zacht);
  border-radius: var(--radius);
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
  min-width: 200px;
  flex-direction: column;
  z-index: 200;
}

nav ul li ul li a {
  font-size: 14px;
  padding: 0.5rem 1rem;
}

.btn-nav {
  background: var(--kleur-primair) !important;
  color: var(--kleur-primair-contrast) !important;
  border-radius: 999px !important;
  font-size: 15px !important;
  padding: 0.5rem 1.1rem !important;
  font-weight: 600;
  transition: background 0.2s !important;
}

.btn-nav:hover {
  background: #c9640d !important;
  text-decoration: none !important;
}

/* BUTTONS */
.btn {
  display: inline-block;
  background: var(--kleur-primair);
  color: var(--kleur-primair-contrast);
  padding: 0.8rem 1.8rem;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
  min-height: 44px;
  line-height: 1.4;
}

.btn:hover {
  background: #c9640d;
  text-decoration: none;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  border: 2px solid var(--kleur-primair);
  color: var(--kleur-primair);
}

.btn-outline:hover {
  background: var(--kleur-primair);
  color: var(--kleur-primair-contrast);
}

/* HERO */
.hero {
  background: linear-gradient(135deg, var(--kleur-groen) 0%, var(--kleur-groen-licht) 100%);
  color: var(--kleur-primair-contrast);
  padding: 4rem 0;
}

.hero-inner {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  align-items: center;
}

.hero-tekst h1 {
  color: var(--kleur-primair-contrast);
  margin-bottom: 1rem;
}

.hero-tekst p {
  font-size: 1.1rem;
  max-width: 560px;
  opacity: 0.93;
  margin-bottom: 1.5rem;
}

.hero-afbeelding {
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-placeholder {
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 3rem 2rem;
  font-size: 1.1rem;
  color: var(--kleur-primair-contrast);
  text-align: center;
  border: 2px dashed rgba(255,255,255,0.3);
  min-width: 220px;
}

@media (min-width: 700px) {
  .hero-inner {
    flex-direction: row;
    justify-content: space-between;
  }
  .hero-tekst { flex: 1; }
  .hero-afbeelding { flex: 0 0 280px; }
}

/* DIENSTEN */
.diensten {
  padding: 4rem 0;
}

.diensten h2 {
  text-align: center;
  margin-bottom: 2rem;
}

.diensten-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 600px) {
  .diensten-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  }
}

.kaart {
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  border-top: 4px solid var(--kleur-primair);
}

.kaart-icon {
  font-size: 2.5rem;
}

.link-pijl {
  font-weight: 600;
  color: var(--kleur-primair);
  margin-top: auto;
  font-size: 0.95rem;
}

/* OVER HYLKE */
.over-hylke {
  background: var(--kleur-groen);
  color: var(--kleur-primair-contrast);
  padding: 4rem 0;
}

.over-hylke-inner {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.over-hylke-tekst h2 {
  color: var(--kleur-primair-contrast);
  margin-bottom: 1rem;
}

.over-hylke-tekst p {
  margin-bottom: 1rem;
  max-width: 600px;
  opacity: 0.93;
}

.quote-blok {
  background: rgba(255,255,255,0.12);
  border-left: 4px solid var(--kleur-primair);
  padding: 1.5rem 2rem;
  border-radius: var(--radius);
  font-family: var(--font-koppen);
  font-size: 1.15rem;
  font-style: italic;
  color: var(--kleur-primair-contrast);
}

@media (min-width: 700px) {
  .over-hylke-inner {
    flex-direction: row;
    align-items: center;
  }
  .over-hylke-tekst { flex: 1; }
  .over-hylke-visual { flex: 0 0 340px; }
}

/* CTA SECTIE */
.cta-sectie {
  background: var(--kleur-primair);
  padding: 4rem 0;
  text-align: center;
}

.cta-inner h2 {
  color: var(--kleur-primair-contrast);
  margin-bottom: 0.75rem;
}

.cta-inner p {
  color: var(--kleur-primair-contrast);
  opacity: 0.9;
  margin-bottom: 1.5rem;
  font-size: 1.05rem;
}

.cta-inner .btn {
  background: var(--kleur-primair-contrast);
  color: var(--kleur-primair);
}

.cta-inner .btn:hover {
  background: #f0f0f0;
}

/* PAGINA HERO */
.pagina-hero {
  background: var(--kleur-groen);
  color: var(--kleur-primair-contrast);
  padding: 3rem 0 2.5rem;
}

.pagina-hero h1 {
  color: var(--kleur-primair-contrast);
}

.lead {
  font-size: 1.15rem;
  opacity: 0.9;
  max-width: 600px;
  margin-top: 0.5rem;
}

/* HYPOTHEEK BLOKKEN */
.hypotheek-intro {
  padding: 2.5rem 0 1rem;
  max-width: 800px;
  font-size: 1.05rem;
}

.hypotheek-blokken {
  padding: 2rem 0 3rem;
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

.hyp-blok {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 2rem;
}

.hyp-blok-tekst .label {
  display: inline-block;
  background: var(--kleur-primair);
  color: var(--kleur-primair-contrast);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.2rem 0.75rem;
  border-radius: 999px;
  margin-bottom: 0.5rem;
}

.hyp-blok-tekst h2 {
  margin-top: 0.25rem;
}

.hyp-blok-tekst ul {
  margin: 0.75rem 0 1rem 1.25rem;
}

.hyp-blok-tekst ul li {
  margin-bottom: 0.3rem;
}

.hyp-blok-icon {
  font-size: 3.5rem;
  text-align: center;
}

@media (min-width: 700px) {
  .hyp-blok {
    flex-direction: row;
    align-items: flex-start;
  }
  .hyp-blok-alt {
    flex-direction: row-reverse;
  }
  .hyp-blok-tekst { flex: 1; }
  .hyp-blok-icon { flex: 0 0 100px; display: flex; align-items: center; justify-content: center; }
}

/* PENSIOEN */
.pensioen-intro {
  padding: 2.5rem 0 1rem;
  font-size: 1.05rem;
  max-width: 800px;
}

.pensioen-opties {
  padding: 2rem 0 3rem;
}

.pensioen-opties h2 {
  margin-bottom: 1.5rem;
}

.opties-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

@media (min-width: 560px) {
  .opties-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  }
}

.optie-kaart {
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 1.5rem;
  border-top: 3px solid var(--kleur-groen);
}

.optie-icon {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.pensioen-advies {
  background: var(--kleur-groen);
  color: var(--kleur-primair-contrast);
  padding: 3.5rem 0;
}

.pensioen-advies-inner {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.pensioen-advies-tekst h2 {
  color: var(--kleur-primair-contrast);
  margin-bottom: 0.75rem;
}

.pensioen-advies-tekst p {
  opacity: 0.9;
  margin-bottom: 0.75rem;
  max-width: 560px;
}

.pensioen-advies-quote blockquote {
  background: rgba(255,255,255,0.12);
  border-left: 4px solid var(--kleur-primair);
  padding: 1.5rem 2rem;
  border-radius: var(--radius);
  font-family: var(--font-koppen);
  font-size: 1.1rem;
  font-style: italic;
  color: var(--kleur-primair-contrast);
}

.pensioen-advies-quote cite {
  display: block;
  margin-top: 0.75rem;
  font-style: normal;
  font-size: 0.9rem;
  opacity: 0.8;
}

@media (min-width: 700px) {
  .pensioen-advies-inner {
    flex-direction: row;
    align-items: center;
  }
  .pensioen-advies-tekst { flex: 1; }
  .pensioen-advies-quote { flex: 0 0 340px; }
}

/* OVER ONS */
.over-verhaal {
  padding: 3rem 0;
}

.verhaal-inner {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

.verhaal-tekst h2 {
  margin-top: 2rem;
  margin-bottom: 0.5rem;
}

.verhaal-tekst h2:first-child {
  margin-top: 0;
}

.verhaal-tekst p {
  margin-bottom: 1rem;
  max-width: 640px;
}

.inline-quote {
  border-left: 4px solid var(--kleur-primair);
  padding: 0.75rem 1.5rem;
  font-family: var(--font-koppen);
  font-size: 1.15rem;
  font-style: italic;
  color: var(--kleur-groen);
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  margin: 1.5rem 0;
  display: block;
}

.verhaal-aside {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.profiel-kaart {
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 2rem;
  text-align: center;
}

.profiel-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--kleur-groen);
  color: var(--kleur-primair-contrast);
  font-size: 1.8rem;
  font-family: var(--font-koppen);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-weight: 700;
}

.profiel-kaart h3 {
  margin-bottom: 0.25rem;
}

.profiel-kaart p {
  color: #555;
  margin-bottom: 1rem;
  font-size: 0.9rem;
}

.profiel-kaart ul {
  list-style: none;
  text-align: left;
  font-size: 0.9rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.tijdlijn {
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 1.5rem;
}

.tijdlijn h3 {
  margin-bottom: 1rem;
}

.tijdlijn-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  margin-bottom: 1rem;
}

.tijdlijn-dot {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--kleur-primair);
  flex-shrink: 0;
  margin-top: 0.3rem;
}

.tijdlijn-item div {
  font-size: 0.9rem;
  line-height: 1.5;
}

@media (min-width: 900px) {
  .verhaal-inner {
    flex-direction: row;
    align-items: flex-start;
  }
  .verhaal-tekst { flex: 1; }
  .verhaal-aside { flex: 0 0 300px; }
}

/* CONTACT */
.contact-sectie {
  padding: 3rem 0 4rem;
}

.contact-inner {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

@media (min-width: 700px) {
  .contact-inner {
    flex-direction: row;
    align-items: flex-start;
  }
  .contact-info { flex: 1; }
  .contact-formulier { flex: 1; }
}

.contact-info h2 {
  margin-bottom: 0.75rem;
}

.contact-info p {
  margin-bottom: 1rem;
}

.contact-details {
  list-style: none;
  margin-bottom: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 1rem;
}

.contact-belofte {
  background: var(--kleur-zacht);
  border-radius: var(--radius);
  padding: 1.5rem;
}

.contact-belofte h3 {
  margin-bottom: 0.75rem;
  font-size: 1rem;
}

.contact-belofte ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.95rem;
}

.contact-formulier h2 {
  margin-bottom: 1rem;
}

.form-groep {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  margin-bottom: 1.25rem;
}

.form-groep label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--kleur-tekst);
}

.form-groep input,
.form-groep select,
.form-groep textarea {
  font-family: var(--font-tekst);
  font-size: 1rem;
  padding: 0.7rem 1rem;
  border: 1.5px solid #ccd;
  border-radius: var(--radius);
  background: var(--kleur-achtergrond);
  color: var(--kleur-tekst);
  width: 100%;
  min-height: 44px;
  transition: border-color 0.2s;
}

.form-groep input:focus,
.form-groep select:focus,
.form-groep textarea:focus {
  outline: none;
  border-color: var(--kleur-groen);
}

.form-groep textarea {
  resize: vertical;
  min-height: 120px;
}

/* FOOTER */
footer {
  background: var(--kleur-groen);
  color: var(--kleur-primair-contrast);
  padding: 3rem 0 0;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  padding-bottom: 2rem;
}

@media (min-width: 600px) {
  .footer-inner {
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  }
}

.footer-col strong {
  display: block;
  margin-bottom: 0.75rem;
  font-family: var(--font-koppen);
  font-size: 1rem;
  color: var(--kleur-primair);
}

.footer-col p {
  font-size: 0.9rem;
  opacity: 0.88;
  margin-bottom: 0.4rem;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.footer-col ul li a {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-col ul li a:hover {
  color: var(--kleur-primair);
}

.footer-col a {
  color: rgba(255,255,255,0.85);
}

.footer-col a:hover {
  color: var(--kleur-primair);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding: 1rem 1.25rem;
  text-align: center;
  font-size: 0.82rem;
  opacity: 0.7;
}