/* Gedeelde opmaak kennisbank en rekenhulpen. Tokens gelijk aan index.html. */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --bg:#F6F2EA;--white:#fff;
  --green:#0D766E;--gl:#DDF2EC;--gd:#0A5F59;
  --text:#0B3D3F;--body:#3F5354;--muted:#5B6B6B;
  --aqua:#2FB5A3;--amber:#E09B2D;
  --border:rgba(11,61,63,0.11);
  --warn-bg:#fff8f0;--warn-bd:#f59e0b;--warn-tx:#92400e;
  --ssm:0 1px 3px rgba(0,0,0,.06),0 1px 2px rgba(0,0,0,.04);
  --smd:0 4px 16px rgba(0,0,0,.09),0 2px 6px rgba(0,0,0,.04);
  --slg:0 12px 48px rgba(0,0,0,.13),0 4px 12px rgba(0,0,0,.06);
  --f:'Inter',system-ui,sans-serif;--fh:'Plus Jakarta Sans',system-ui,sans-serif;
}
html{scroll-behavior:smooth;overflow-x:hidden;overflow-x:clip;}
body{font-family:var(--f);background:var(--bg);color:var(--text);line-height:1.6;overflow-x:hidden;overflow-x:clip;}
[id]{scroll-margin-top:84px;}
[hidden]{display:none !important;}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--green);outline-offset:2px;}
h1,h2,h3,h4{font-family:var(--fh);}
h1{font-size:clamp(2rem,5vw,3rem);font-weight:800;line-height:1.1;letter-spacing:-.03em;}
h2{font-size:clamp(1.4rem,3vw,1.85rem);font-weight:700;line-height:1.25;letter-spacing:-.02em;}
h3{font-size:1.05rem;font-weight:600;}
p{color:var(--muted);}
.container{max-width:1100px;margin:0 auto;padding:0 1.5rem;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:10px;font-size:15px;font-weight:700;font-family:var(--fh);cursor:pointer;border:none;text-decoration:none;transition:all .15s;white-space:nowrap;}
.btn-p{background:var(--green);color:#fff;box-shadow:0 4px 14px rgba(13,118,110,.35);}
.btn-p:hover{background:var(--gd);transform:translateY(-1px);box-shadow:0 6px 20px rgba(13,118,110,.42);}
.btn-s{background:var(--white);color:var(--text);border:.5px solid var(--border);box-shadow:var(--ssm);}
.btn-s:hover{background:#eae9e3;}

/* BALK POWERED BY SCHULDMEESTERS (eigen prefix smb-, want sm- is al in gebruik voor de app-schermpjes) */
.smb{background:#0B3D3F;color:rgba(255,255,255,.88);font-size:14px;line-height:1.3;}
.smb-in{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:50px;padding-top:8px;padding-bottom:8px;}
.smb a{color:#fff;text-decoration:none;}
.smb-l{display:inline-flex;align-items:center;gap:10px;font-weight:600;letter-spacing:.01em;}
.smb-l img{height:28px;width:auto;display:block;}
.smb-r a{color:#7FD8CB;font-weight:600;text-decoration:underline;text-underline-offset:3px;}
.smb-r a:hover{color:#fff;}
@media(max-width:640px){.smb-r{display:none;}.smb-in{justify-content:center;min-height:46px;}.smb-l img{height:24px;}}

/* NAV */
nav{position:sticky;top:0;z-index:100;background:rgba(246,242,234,.94);backdrop-filter:blur(14px);border-bottom:.5px solid rgba(0,0,0,.07);padding:.85rem 0;}
.nav-inner{display:flex;align-items:center;justify-content:space-between;}
.nav-logo{display:flex;align-items:center;gap:10px;font-size:17px;font-weight:700;color:var(--text);text-decoration:none;}
.nav-logo img{display:block;height:32px;width:auto;}
.nav-brand{display:flex;flex-direction:column;gap:1px;}
.nav-r{display:flex;align-items:center;gap:4px;}
.nav-login{font-size:14px;font-weight:500;color:var(--muted);text-decoration:none;padding:8px 12px;border-radius:8px;white-space:nowrap;}
.nav-login:hover{color:var(--text);background:rgba(0,0,0,.05);}
.nav-links{display:flex;align-items:center;gap:0;}
.nav-links a{font-size:14px;font-weight:500;color:var(--muted);text-decoration:none;padding:8px 10px;border-radius:8px;white-space:nowrap;transition:color .15s,background .15s;}
.nav-links a:hover,.nav-links a[aria-current]{color:var(--text);background:rgba(0,0,0,.05);}
.nav-links .nav-links-login{display:none;}
.nav-burger{display:none;background:transparent;border:.5px solid var(--border);border-radius:9px;padding:7px 9px;font-size:20px;color:var(--text);cursor:pointer;line-height:1;align-items:center;flex-shrink:0;}
.nav-burger:hover{background:rgba(0,0,0,.05);}
@media(max-width:1120px){
  .nav-burger{display:inline-flex;}
  .nav-login{display:none;}
  .nav-links{display:none;position:absolute;top:calc(100% + 8px);left:1rem;right:1rem;background:var(--white);border:.5px solid var(--border);border-radius:14px;box-shadow:var(--slg);flex-direction:column;align-items:stretch;padding:8px;gap:2px;z-index:110;}
  .nav-links.open{display:flex;}
  .nav-links a{padding:13px 14px;font-size:15px;}
  .nav-links .nav-links-login{display:block;border-top:.5px solid var(--border);margin-top:4px;padding-top:14px;border-radius:0;}
}

/* KOP */
.pg-hero{padding:2.5rem 0 3.5rem;}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:1.5rem;}
.crumbs a{color:var(--muted);text-decoration:none;}
.crumbs a:hover{color:var(--text);text-decoration:underline;}
.crumbs span{margin:0 6px;opacity:.6;}
.eyebrow{display:inline-block;background:var(--gl);color:var(--green);font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 13px;border-radius:100px;margin-bottom:1rem;}
.lead{font-size:1.08rem;line-height:1.7;margin:1.1rem 0 1.25rem;max-width:640px;}
.updated{font-size:12.5px;color:var(--muted);}
.updated a{color:var(--green);font-weight:600;}
.pg-head{max-width:760px;}

/* ARTIKEL */
.article{background:var(--white);border-top:.5px solid var(--border);border-bottom:.5px solid var(--border);padding:3.5rem 0 4rem;}
.prose{max-width:740px;margin:0 auto;}
.prose>section+section{margin-top:3rem;}
.prose h2{margin-bottom:.9rem;}
.prose h3{margin:1.75rem 0 .6rem;}
.prose p,.prose li{font-size:1rem;line-height:1.75;color:var(--body);}
.prose p{margin-bottom:1rem;}
.prose p strong,.prose li strong{color:var(--text);}
.prose a{color:var(--green);font-weight:500;}
.prose ul.bul{margin:0 0 1.1rem 1.2rem;display:grid;gap:6px;}
.toc{background:var(--bg);border:.5px solid var(--border);border-radius:14px;padding:1.1rem 1.35rem;margin-bottom:2.5rem;}
.toc strong{display:block;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:.5rem;}
.toc ol{margin-left:1.2rem;display:grid;gap:4px;}
.toc a{color:var(--text);text-decoration:none;font-size:15px;}
.toc a:hover{color:var(--green);text-decoration:underline;}
.tbl{border:.5px solid var(--border);border-radius:12px;overflow:hidden;margin:1.25rem 0;overflow-x:auto;}
.tbl table{width:100%;border-collapse:collapse;font-size:14px;min-width:420px;}
.tbl th{background:var(--gl);padding:10px 14px;text-align:left;font-weight:600;font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--text);}
.tbl td{padding:10px 14px;border-top:.5px solid var(--border);color:var(--body);}
.tbl .r{text-align:right;white-space:nowrap;}
.tbl tfoot td{font-size:12.5px;font-style:italic;}
.tbl tr.sum td{font-weight:700;color:var(--text);background:#FBF9F4;}
.steps{list-style:none;counter-reset:s;display:grid;gap:14px;margin:1.25rem 0;}
.steps>li{counter-increment:s;display:grid;grid-template-columns:34px 1fr;gap:12px;align-items:start;}
.steps>li::before{content:counter(s);width:30px;height:30px;border-radius:50%;background:var(--gl);color:var(--green);font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center;}
.note{background:var(--warn-bg);border:.5px solid var(--warn-bd);border-radius:12px;padding:1rem 1.2rem;margin:1.25rem 0;display:flex;gap:12px;align-items:flex-start;}
.note i{color:var(--warn-bd);font-size:20px;flex-shrink:0;margin-top:2px;}
.prose .note p{margin:0;color:var(--warn-tx);}
.tip{background:var(--gl);border:.5px solid rgba(13,118,110,.2);border-radius:12px;padding:1rem 1.2rem;margin:1.25rem 0;display:flex;gap:12px;align-items:flex-start;}
.tip i{color:var(--green);font-size:20px;flex-shrink:0;margin-top:2px;}
.prose .tip p{margin:0;color:var(--gd);}

/* VOORBEELDBRIEF */
.letter-wrap{margin:1.25rem 0 1.5rem;border:.5px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:var(--ssm);}
.letter-bar{display:flex;align-items:center;justify-content:space-between;gap:1rem;background:var(--bg);padding:.7rem 1rem;border-bottom:.5px solid var(--border);}
.letter-bar span{font-size:13px;font-weight:600;color:var(--text);display:flex;gap:8px;align-items:center;}
.letter-bar span i{color:var(--green);font-size:17px;}
.copy-btn{display:inline-flex;align-items:center;gap:6px;font-family:var(--f);font-size:13px;font-weight:600;color:var(--white);background:var(--green);border:none;border-radius:8px;padding:8px 12px;cursor:pointer;}
.copy-btn:hover{background:var(--gd);}
.letter-acties{display:flex;gap:8px;flex-wrap:wrap;}
.mail-btn{display:inline-flex;align-items:center;gap:6px;font-family:var(--f);font-size:13px;font-weight:600;color:var(--text);background:var(--white);border:.5px solid rgba(0,0,0,.15);border-radius:8px;padding:8px 12px;text-decoration:none;}
.mail-btn:hover{background:#eae9e3;}
.prose a.mail-btn{color:var(--text);font-weight:600;}
.copy-btn.done{background:var(--gd);}
.letter{white-space:pre-wrap;font-size:14.5px;line-height:1.7;color:var(--text);padding:1.25rem 1.35rem;background:var(--white);font-family:var(--f);}
.letter .ph{background:#fef9ec;color:#7a5c00;border-radius:3px;padding:1px 2px;margin:0 -2px;}

/* CTA, GERELATEERD, FAQ, BRONNEN */
.cta{background:var(--bg);border:.5px solid var(--border);border-radius:18px;padding:2rem;margin:3rem 0 0;}
.cta h2{font-size:1.35rem;margin-bottom:.6rem;}
.prose .cta p{margin-bottom:1.25rem;}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap;}
.prose .cta a.btn{color:inherit;font-weight:600;}
.prose .cta a.btn-p{color:#fff;}
.faq{display:grid;gap:10px;margin-top:1.25rem;}
.faq details{border:.5px solid var(--border);border-radius:12px;background:var(--white);}
.faq summary{cursor:pointer;list-style:none;padding:15px 18px;font-weight:600;font-size:15px;display:flex;justify-content:space-between;align-items:center;gap:1rem;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary i{color:var(--green);transition:transform .2s;flex-shrink:0;}
.faq details[open] summary i{transform:rotate(45deg);}
.prose .faq details p{padding:0 18px 16px;margin:0;}
.rel-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;margin-top:1.1rem;}
.rel-card{display:block;border:.5px solid var(--border);border-radius:14px;padding:1rem 1.1rem;text-decoration:none;background:var(--white);transition:border-color .15s,box-shadow .15s,transform .15s;}
.rel-card:hover{border-color:rgba(13,118,110,.35);box-shadow:var(--smd);transform:translateY(-1px);}
.rel-card strong{display:block;color:var(--text);font-size:15px;line-height:1.35;margin-bottom:4px;}
.rel-card span{display:block;color:var(--muted);font-size:13.5px;line-height:1.5;}
.prose a.rel-card{font-weight:400;}
.sources{font-size:13.5px;}
.prose .sources li{font-size:14px;line-height:1.9;}
.sources ul{margin:.5rem 0 0 1.1rem;}
.legal-note{font-size:12.5px;color:var(--muted);margin-top:2rem;border-top:.5px solid var(--border);padding-top:1rem;}

/* KENNISBANK-OVERZICHT */
.hub-sec+.hub-sec{margin-top:2.75rem;}
.hub-sec h2{font-size:1.25rem;margin-bottom:.35rem;}
.hub-sec>p{margin-bottom:1rem;}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:14px;}
.hub-card{display:flex;flex-direction:column;gap:6px;border:.5px solid var(--border);border-radius:16px;padding:1.25rem 1.3rem;background:var(--white);text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s;}
.hub-card:hover{border-color:rgba(13,118,110,.35);box-shadow:var(--smd);transform:translateY(-2px);}
.hub-card i{font-size:22px;color:var(--green);}
.hub-card strong{color:var(--text);font-size:16px;line-height:1.35;}
.hub-card span{color:var(--muted);font-size:14px;line-height:1.55;}
.hub-wide{max-width:1000px;margin:0 auto;}

/* REKENHULPEN */
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:start;}
.facts{list-style:none;display:grid;gap:10px;margin-bottom:1.5rem;}
.facts li{display:flex;align-items:center;gap:10px;font-size:14.5px;color:var(--text);font-weight:500;}
.facts i{font-size:18px;color:var(--green);flex-shrink:0;}
.calc{background:var(--white);border:.5px solid var(--border);border-radius:18px;padding:1.75rem;box-shadow:var(--smd);}
.calc-hdr{display:flex;align-items:center;gap:12px;margin-bottom:1.4rem;}
.calc-icon{width:40px;height:40px;background:var(--gl);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;color:var(--green);flex-shrink:0;}
.calc-hdr h2{font-size:1.1rem;letter-spacing:-.01em;}
.calc-hdr p{font-size:13px;}
.lbl{display:block;font-size:13.5px;font-weight:600;color:var(--text);margin-bottom:6px;}
.lbl .opt{font-weight:400;color:var(--muted);}
.inp{position:relative;}
.inp span{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:15px;font-weight:600;color:var(--muted);pointer-events:none;}
.inp input,.txt-inp{width:100%;padding:13px 14px 13px 32px;border:.5px solid rgba(0,0,0,.18);border-radius:10px;font-family:var(--f);font-size:16px;font-weight:600;color:var(--text);background:var(--bg);outline:none;transition:border-color .15s,box-shadow .15s,background .15s;}
.txt-inp{padding-left:14px;font-weight:500;}
.inp input:focus,.txt-inp:focus{border-color:var(--green);background:var(--white);box-shadow:0 0 0 3px rgba(13,118,110,.12);}
.inp input[aria-invalid="true"]{border-color:#d93025;box-shadow:0 0 0 3px rgba(217,48,37,.1);}
.hint{font-size:12.5px;margin:6px 0 1.1rem;}
.err{font-size:12.5px;color:#b3261e;margin:6px 0 1.1rem;}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--text);margin-bottom:1.2rem;cursor:pointer;line-height:1.45;}
.chk input{width:18px;height:18px;margin-top:1px;accent-color:var(--green);flex-shrink:0;cursor:pointer;}
.chk small{display:block;color:var(--muted);font-size:12.5px;}
.res{margin-top:1.4rem;background:var(--gl);border-radius:12px;padding:1rem 1.2rem;}
.res-row{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:7px 0;border-bottom:.5px solid rgba(13,118,110,.15);font-size:14px;}
.res-row:last-child{border-bottom:none;}
.res-row .k{color:var(--muted);}
.res-row .v{font-weight:600;color:var(--text);text-align:right;white-space:nowrap;}
.res-row.main .k{color:var(--text);font-weight:600;}
.res-row.main .v{font-size:1.35rem;font-weight:800;color:var(--green);letter-spacing:-.02em;}
.res-row.calc-line .v{white-space:normal;font-size:12.5px;font-weight:500;color:var(--muted);}
.verdict{margin-top:1rem;padding:12px 14px;border-radius:10px;font-size:13.5px;display:flex;gap:10px;align-items:flex-start;line-height:1.5;}
.verdict i{font-size:18px;flex-shrink:0;margin-top:1px;}
.verdict.ok{background:var(--gl);color:var(--gd);border:.5px solid rgba(13,118,110,.25);}
.verdict.warn{background:var(--warn-bg);color:var(--warn-tx);border:.5px solid var(--warn-bd);}
.verdict.warn i{color:var(--warn-bd);}
.verdict a{color:inherit;font-weight:600;}
.calc-disc{font-size:12px;margin-top:1rem;display:flex;gap:6px;align-items:center;}
.calc-disc i{color:var(--green);font-size:14px;}

/* NAAR-RATO-REKENHULP */
.nr{border:.5px solid var(--border);border-radius:16px;padding:1.4rem;background:var(--bg);margin:1.25rem 0 1.5rem;}
.nr-rows{display:grid;gap:8px;margin:.4rem 0 .8rem;}
.nr-row{display:grid;grid-template-columns:1fr 150px 36px;gap:8px;align-items:center;}
.nr-row .inp input{padding-top:11px;padding-bottom:11px;background:var(--white);}
.nr-row .txt-inp{padding-top:11px;padding-bottom:11px;background:var(--white);}
.nr-del{width:36px;height:36px;border-radius:9px;border:.5px solid var(--border);background:var(--white);color:var(--muted);cursor:pointer;font-size:16px;display:flex;align-items:center;justify-content:center;}
.nr-del:hover{color:#b3261e;border-color:#b3261e;}
.nr-add{font-family:var(--f);font-size:13.5px;font-weight:600;color:var(--green);background:none;border:none;cursor:pointer;display:inline-flex;gap:6px;align-items:center;padding:4px 0;}
.nr-budget{max-width:260px;margin-top:1.1rem;}
.nr-out{margin-top:1.2rem;}
.nr-out .tbl{background:var(--white);margin:0;}
.nr-sum{font-size:14px;color:var(--text);margin-top:.8rem;}

/* FOOTER */
footer{background:#0B3D3F;padding:3rem 0 2rem;color:rgba(255,255,255,.75);}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem;}
.f-brand{display:flex;align-items:center;gap:9px;color:rgba(255,255,255,.85);font-weight:700;font-size:15px;margin-bottom:.75rem;}
.f-brand img{height:30px;width:auto;display:block;}
.f-desc{font-size:13px;line-height:1.72;max-width:290px;}
.f-col h4{font-size:13px;font-weight:600;color:rgba(255,255,255,.92);margin-bottom:.75rem;}
.f-col a{display:block;font-size:13px;color:rgba(255,255,255,.75);text-decoration:none;margin-bottom:6px;}
.f-col a:hover{color:#fff;}
.footer-bottom{border-top:.5px solid rgba(255,255,255,.07);padding-top:1.5rem;display:flex;align-items:flex-start;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;}
.f-copy{font-size:12px;}
.f-disc{font-size:11px;line-height:1.75;max-width:640px;background:rgba(255,255,255,.04);border-radius:8px;padding:12px 16px;border:.5px solid rgba(255,255,255,.06);}

@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:2rem;}
  .footer-grid{grid-template-columns:1fr 1fr;gap:1.75rem;}
  .footer-grid>div:first-child{grid-column:1/-1;}
  .footer-bottom{flex-direction:column;}
}
@media(max-width:600px){
  .pg-hero{padding:1.5rem 0 2.75rem;}
  h1{font-size:2.05rem;}
  .calc{padding:1.35rem;}
  .article{padding:2.5rem 0 3rem;}
  .cta{padding:1.5rem 1.25rem;}
  .cta-btns .btn{width:100%;justify-content:center;}
  .nav-r .btn{padding:10px 14px;font-size:14px;}
  .nav-r{gap:8px;}
  .letter{font-size:14px;padding:1rem;}
  .letter-bar{flex-wrap:wrap;}
  .nr-row{grid-template-columns:1fr 120px 36px;}
  .footer-grid{grid-template-columns:1fr;}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto;}.btn,.rel-card,.hub-card,.faq summary i{transition:none;}}