/* =========================================================================
   De Schenkbrief — huisstijl v2
   Geïnspireerd op de rustige, vertrouwenwekkende vormtaal van private banking
   (helder wit, één diepe petrolgroene merkkleur, veel witruimte, cirkel-pijl-
   iconen), aangepast voor comfortabel lezen: groter basislettertype, hoog
   contrast, warme in plaats van fel-witte ondergrond, geen dunne lichtgrijze
   tekst in lopende tekst.
   ========================================================================= */

:root{
  --bg:            #FBFAF6;
  --surface:       #FFFFFF;
  --surface-tint:  #F1F5F4;
  --ink:           #1B211F;
  --ink-soft:      #3E4947;
  --ink-faint:     #5C6866;
  --border:        rgba(27,33,31,0.14);
  --border-strong: rgba(27,33,31,0.26);

  --brand:         #00585A;
  --brand-dark:    #003D3E;
  --brand-tint:    #E1EEEC;

  --gold:          #7A5A24;
  --gold-tint:     #F2E8D2;

  --shadow: 0 1px 2px rgba(20,30,28,0.05), 0 12px 30px -16px rgba(20,30,28,0.20);
  --radius-s: 8px;
  --radius-m: 14px;
  --radius-l: 20px;

  --font: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  --maxw: 1120px;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){ html{ scroll-behavior:auto; } *{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; } }

body{
  margin:0; background:var(--bg); color:var(--ink);
  font-family:var(--font); font-size:19px; line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{ font-family:var(--font); font-weight:800; color:var(--ink); margin:0; letter-spacing:-0.01em; text-wrap:balance; line-height:1.18; }
p{ margin:0; }
a{ color:var(--brand); text-decoration-thickness:1.5px; text-underline-offset:3px; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible{ outline:3px solid var(--brand); outline-offset:2px; }
::selection{ background:var(--brand-tint); color:var(--ink); }
.num{ font-family:var(--font-mono); font-variant-numeric:tabular-nums; }
img{ max-width:100%; display:block; }

.wrap{ max-width:var(--maxw); margin:0 auto; padding:0 28px; }
.prose{ max-width:66ch; }

/* circular-arrow link, echo van de "pijl-in-cirkel"-stijl uit private banking */
.arrow{ display:inline-flex; align-items:center; justify-content:center; width:1.6em; height:1.6em; border-radius:50%; border:1.5px solid currentColor; flex:none; transition:transform .15s ease; }
.arrow svg{ width:0.85em; height:0.85em; }
a:hover .arrow, button:hover .arrow{ transform:translateX(3px); }
.link-arrow{ display:inline-flex; align-items:center; gap:10px; font-weight:700; text-decoration:none; }

/* =========================== NAV =========================== */
nav.top{ position:sticky; top:0; z-index:40; background:color-mix(in srgb, var(--bg) 92%, transparent); backdrop-filter:blur(10px); border-bottom:1px solid var(--border); }
nav.top .row{ display:flex; align-items:center; justify-content:space-between; padding:16px 28px; max-width:var(--maxw); margin:0 auto; gap:20px; }
.brand{ display:flex; align-items:center; gap:10px; font-weight:800; font-size:1.2rem; letter-spacing:-0.01em; text-decoration:none; color:var(--ink); white-space:nowrap; }
.brand .mark{ width:30px; height:30px; flex:none; color:var(--brand); }
.navlinks{ display:flex; gap:28px; list-style:none; margin:0; padding:0; flex-wrap:wrap; }
.navlinks a{ text-decoration:none; font-size:1rem; font-weight:600; color:var(--ink-soft); border-bottom:2px solid transparent; padding-bottom:3px; }
.navlinks a:hover, .navlinks a:focus-visible{ color:var(--ink); border-color:var(--brand); outline:none; }
.navcta{ font-size:0.98rem; font-weight:700; background:var(--brand); color:#fff; padding:12px 20px; border-radius:999px; text-decoration:none; white-space:nowrap; display:inline-flex; align-items:center; gap:9px; }
.navcta:hover{ background:var(--brand-dark); }
.navcta .arrow{ width:1.3em; height:1.3em; border-color:#fff; }
.navtoggle{ display:none; align-items:center; justify-content:center; width:44px; height:44px; border-radius:999px; border:1.5px solid var(--border-strong); background:var(--surface); cursor:pointer; flex:none; }
.navtoggle svg{ width:20px; height:20px; color:var(--ink); }
.navdrawer{ display:none; flex-direction:column; gap:2px; padding:8px 28px 20px; border-bottom:1px solid var(--border); background:var(--bg); }
.navdrawer a{ text-decoration:none; font-weight:700; color:var(--ink); padding:13px 4px; border-bottom:1px solid var(--border); font-size:1.05rem; }
.navdrawer a:last-child{ border-bottom:none; }
.navdrawer.open{ display:flex; }
@media (max-width:900px){
  .navlinks{ display:none; }
  .navtoggle{ display:inline-flex; }
}
@media (max-width:560px){
  .navcta{ display:none; }
}

.breadcrumb{ font-size:0.92rem; color:var(--ink-faint); padding:20px 0 0; display:flex; gap:8px; flex-wrap:wrap; align-items:center; }
.breadcrumb a{ color:var(--ink-faint); text-decoration:none; font-weight:600; }
.breadcrumb a:hover{ color:var(--brand); }
.breadcrumb span.sep{ color:var(--border-strong); }

/* =========================== HERO =========================== */
header.hero{ padding:64px 0 60px; }
.hero-grid{ display:grid; grid-template-columns:1.15fr 0.85fr; gap:56px; align-items:center; }
@media (max-width:900px){ .hero-grid{ grid-template-columns:1fr; } }
.hero h1{ font-size:clamp(2.1rem, 4vw, 3.2rem); }
.hero .sub{ margin-top:22px; font-size:1.18rem; color:var(--ink-soft); max-width:52ch; line-height:1.6; }
.hero-actions{ display:flex; gap:16px; margin-top:32px; flex-wrap:wrap; }
.btn{ display:inline-flex; align-items:center; gap:10px; padding:14px 24px; border-radius:999px; font-weight:700; font-size:1rem; text-decoration:none; border:1.5px solid transparent; cursor:pointer; transition:background .15s, border-color .15s, color .15s; font-family:var(--font); }
.btn-primary{ background:var(--brand); color:#fff; }
.btn-primary:hover{ background:var(--brand-dark); }
.btn-primary .arrow{ border-color:#fff; }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--border-strong); }
.btn-ghost:hover{ border-color:var(--brand); color:var(--brand); }

.stat-strip{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; margin-top:52px; padding-top:28px; }
.stat-strip .n{ font-size:2rem; font-weight:800; color:var(--brand); }
.stat-strip .l{ font-size:0.92rem; color:var(--ink-soft); margin-top:5px; line-height:1.4; }
@media (max-width:640px){ .stat-strip{ grid-template-columns:1fr; gap:18px; } }

.letter-art svg{ width:100%; height:auto; }

/* =========================== SECTIONS =========================== */
section{ padding:72px 0; }
section.tint{ background:var(--surface-tint); }
.section-head{ max-width:660px; margin-bottom:44px; }
.kicker{ font-family:var(--font-mono); font-size:0.8rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--brand); display:block; margin-bottom:12px; font-weight:600; }
.kicker.gold{ color:var(--gold); }
.section-head h2{ font-size:clamp(1.65rem, 3vw, 2.15rem); }
.section-head p{ margin-top:16px; color:var(--ink-soft); font-size:1.08rem; line-height:1.6; }

.topic-list{ display:flex; flex-direction:column; }
.topic-item{ display:flex; justify-content:space-between; align-items:baseline; gap:24px; padding:22px 4px; text-decoration:none; color:var(--ink); }
.topic-item + .topic-item{ margin-top:0; }
.topic-item h3{ font-size:1.1rem; font-weight:700; }
.topic-item p{ color:var(--ink-soft); font-size:0.98rem; line-height:1.5; margin-top:6px; max-width:56ch; }
.topic-item .go{ flex:none; color:var(--ink-faint); font-size:0.92rem; font-weight:600; white-space:nowrap; align-self:center; transition:color .15s; }
.topic-item:hover .go{ color:var(--brand); }
.topic-item:hover h3{ color:var(--brand); }
@media (max-width:640px){ .topic-item{ flex-direction:column; gap:8px; } .topic-item .go{ align-self:flex-start; } }

/* =========================== TOOLS =========================== */
.tool{ background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-l); box-shadow:var(--shadow); overflow:hidden; margin-bottom:32px; }
.tool-head{ padding:28px 32px; border-bottom:1px solid var(--border); display:flex; justify-content:space-between; align-items:flex-start; gap:16px; flex-wrap:wrap; }
.tool-head h3{ font-size:1.4rem; }
.tool-head p{ color:var(--ink-soft); font-size:0.98rem; margin-top:8px; max-width:56ch; line-height:1.5; }
.tool-badge{ font-family:var(--font-mono); font-size:0.74rem; letter-spacing:0.06em; text-transform:uppercase; background:var(--brand-tint); color:var(--brand); padding:6px 12px; border-radius:999px; white-space:nowrap; font-weight:700; }
.tool-body{ display:grid; grid-template-columns:0.95fr 1.05fr; }
@media (max-width:900px){ .tool-body{ grid-template-columns:1fr; } }
.tool-inputs{ padding:28px 32px; border-right:1px solid var(--border); display:flex; flex-direction:column; gap:20px; }
@media (max-width:900px){ .tool-inputs{ border-right:none; border-bottom:1px solid var(--border); } }
.tool-results{ padding:28px 32px; }

.field{ display:flex; flex-direction:column; gap:8px; }
.field label{ font-size:0.92rem; font-weight:700; color:var(--ink-soft); display:flex; justify-content:space-between; }
.field label .val{ font-family:var(--font-mono); color:var(--ink); font-weight:700; }
.field input[type="number"], .field select{
  font-family:var(--font-mono); font-size:1rem; padding:11px 13px; border-radius:var(--radius-s);
  border:1.5px solid var(--border-strong); background:var(--surface); color:var(--ink); width:100%;
}
.field input[type="range"]{ width:100%; accent-color:var(--brand); height:22px; }
.field-row{ display:flex; gap:14px; }
.field-row .field{ flex:1; }
.toggle-row{ display:flex; align-items:center; justify-content:space-between; gap:10px; padding:4px 0; }
.toggle-row span{ font-size:0.94rem; color:var(--ink-soft); font-weight:700; }
.switch{ position:relative; width:46px; height:26px; flex:none; }
.switch input{ opacity:0; width:100%; height:100%; margin:0; position:absolute; cursor:pointer; }
.switch .track{ position:absolute; inset:0; background:var(--border-strong); border-radius:999px; transition:background .15s; }
.switch .knob{ position:absolute; top:3px; left:3px; width:20px; height:20px; background:var(--surface); border-radius:50%; transition:transform .15s; box-shadow:0 1px 2px rgba(0,0,0,0.25); }
.switch input:checked + .track{ background:var(--brand); }
.switch input:checked ~ .knob{ transform:translateX(20px); }
.switch input:focus-visible ~ .track{ outline:3px solid var(--brand); outline-offset:2px; }

.result-hero{ text-align:left; padding-bottom:20px; border-bottom:1px dashed var(--border-strong); margin-bottom:20px; }
.result-hero .label{ font-size:0.92rem; color:var(--ink-soft); font-weight:700; }
.result-hero .amount{ font-size:2.5rem; font-weight:800; color:var(--brand); margin-top:6px; line-height:1.08; }
.result-hero .sub{ font-size:0.96rem; color:var(--ink-soft); margin-top:8px; }

.compare-row{ display:flex; justify-content:space-between; align-items:baseline; padding:11px 0; border-bottom:1px solid var(--border); font-size:0.98rem; gap:12px; }
.compare-row:last-of-type{ border-bottom:none; }
.compare-row .lbl{ color:var(--ink-soft); }
.compare-row .amt{ font-family:var(--font-mono); font-weight:700; white-space:nowrap; }

.note{ margin-top:18px; font-size:0.87rem; color:var(--ink-soft); line-height:1.6; }
.note strong{ color:var(--ink); }

.chart-wrap{ margin-top:8px; }
.chart-legend{ display:flex; gap:20px; margin-bottom:12px; flex-wrap:wrap; }
.chart-legend .item{ display:flex; align-items:center; gap:8px; font-size:0.9rem; color:var(--ink-soft); font-weight:600; }
.chart-legend .swatch{ width:13px; height:13px; border-radius:3px; flex:none; }
svg.chart{ width:100%; height:auto; overflow:visible; }
.gridline{ stroke:var(--border); stroke-width:1; }
.axis-label{ font-family:var(--font-mono); font-size:11px; fill:var(--ink-faint); }
.series-a{ stroke:var(--brand); }
.series-b{ stroke:var(--gold); }
.dot-a{ fill:var(--brand); }
.dot-b{ fill:var(--gold); }
.hover-line{ stroke:var(--ink-faint); stroke-width:1; stroke-dasharray:3 3; opacity:0; }
.tooltip-box{ opacity:0; pointer-events:none; transition:opacity .1s; }
.tooltip-bg{ fill:var(--surface); stroke:var(--border-strong); }
.tooltip-text{ font-family:var(--font-mono); font-size:12px; fill:var(--ink); }
.chart-hit{ fill:transparent; cursor:crosshair; }

/* =========================== ARTICLE CARDS (overzicht) =========================== */
.card-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
@media (max-width:900px){ .card-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:640px){ .card-grid{ grid-template-columns:1fr; } }
.article-card{ display:flex; flex-direction:column; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-m); padding:26px; text-decoration:none; color:var(--ink); transition:border-color .15s, box-shadow .15s; height:100%; }
.article-card:hover{ border-color:var(--brand); box-shadow:var(--shadow); }
.article-card .kicker{ margin-bottom:14px; }
.article-card h3{ font-size:1.12rem; line-height:1.35; margin-bottom:10px; }
.article-card p{ color:var(--ink-soft); font-size:0.94rem; line-height:1.5; flex:1; }
.article-card .meta{ margin-top:16px; font-size:0.85rem; color:var(--ink-faint); font-weight:600; }
.article-card.dossier{ border-color:var(--gold-tint); }
.article-card.dossier .kicker{ color:var(--gold); }

/* =========================== ARTICLE PAGE (detail) =========================== */
.article-page{ background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-l); padding:48px; box-shadow:var(--shadow); }
.article-page h1{ font-size:clamp(1.9rem, 3.6vw, 2.5rem); margin-top:8px; }
.article-meta{ font-size:0.92rem; color:var(--ink-faint); margin:18px 0 30px; font-weight:600; }
.article-page .prose p{ margin-bottom:18px; color:var(--ink-soft); font-size:1.06rem; line-height:1.7; overflow-wrap:break-word; }
.article-page .prose h4{ font-size:1.18rem; margin:30px 0 12px; color:var(--ink); }
.article-page .prose ul{ margin:0 0 18px; padding-left:24px; color:var(--ink-soft); }
.article-page .prose li{ margin-bottom:8px; line-height:1.6; }
.pullquote{ border-left:3px solid var(--brand); padding:6px 0 6px 22px; margin:28px 0; font-size:1.28rem; font-weight:700; color:var(--ink); line-height:1.45; }
@media (max-width:640px){ .article-page{ padding:28px; } }

.article-cta{ margin-top:40px; padding:28px; background:var(--brand-tint); border-radius:var(--radius-m); display:flex; justify-content:space-between; align-items:center; gap:20px; flex-wrap:wrap; }
.article-cta p{ font-weight:700; color:var(--brand-dark); font-size:1.05rem; }

.related{ margin-top:52px; }
.related h2{ font-size:1.3rem; margin-bottom:20px; }

/* =========================== ABOUT =========================== */
.about-grid{ display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:start; }
@media (max-width:900px){ .about-grid{ grid-template-columns:1fr; } }
.pledge-list{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:20px; }
.pledge-list li{ display:flex; gap:16px; align-items:flex-start; }
.pledge-list .ico{ flex:none; width:24px; height:24px; margin-top:3px; color:var(--brand); }
.pledge-list .txt strong{ display:block; color:var(--ink); margin-bottom:3px; font-size:1.02rem; }
.pledge-list .txt span{ color:var(--ink-soft); font-size:0.96rem; line-height:1.5; }

/* =========================== SIGNUP =========================== */
.signup-card{ background:var(--brand); color:#fff; border-radius:var(--radius-l); padding:54px; display:grid; grid-template-columns:1.1fr 0.9fr; gap:40px; align-items:center; }
@media (max-width:900px){ .signup-card{ grid-template-columns:1fr; padding:36px 26px; } }
.signup-card h2{ color:#fff; font-size:clamp(1.6rem,3vw,2.1rem); }
.signup-card p{ color:rgba(255,255,255,0.82); margin-top:14px; font-size:1.05rem; line-height:1.55; }
.signup-form{ display:flex; flex-direction:column; gap:14px; }
.signup-form .row{ display:flex; gap:10px; flex-wrap:wrap; }
.signup-form input[type="email"]{ flex:1; min-width:200px; padding:14px 18px; border-radius:999px; border:1.5px solid rgba(255,255,255,0.35); background:rgba(255,255,255,0.1); color:#fff; font-family:var(--font); font-size:1rem; }
.signup-form input::placeholder{ color:rgba(255,255,255,0.6); }
.signup-form button{ padding:14px 24px; border-radius:999px; border:none; background:#fff; color:var(--brand-dark); font-weight:800; cursor:pointer; white-space:nowrap; font-family:var(--font); font-size:1rem; }
.signup-form button:hover{ background:var(--gold-tint); }
.signup-note{ font-size:0.82rem; color:rgba(255,255,255,0.65); }
.signup-status{ font-size:0.9rem; min-height:1.2em; color:#fff; font-weight:600; }

/* =========================== PAKKETTEN / PRICING =========================== */
.pricing-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:24px; align-items:stretch; }
@media (max-width:700px){ .pricing-grid{ grid-template-columns:1fr; max-width:480px; margin:0 auto; } }
.price-card{ display:flex; flex-direction:column; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius-l); padding:32px 28px; }
.price-card h3{ font-size:1.3rem; margin-top:4px; }
.price-card .price-amount{ font-size:2rem; font-weight:800; color:var(--brand); margin-top:12px; line-height:1; }
.price-card .price-amount span{ font-size:1rem; font-weight:600; color:var(--ink-faint); font-family:var(--font); }
.price-card .price-for{ margin-top:10px; color:var(--ink-soft); font-size:0.98rem; line-height:1.55; min-height:3.3em; }
.price-card .price-includes{ list-style:none; margin:22px 0 0; padding:0; display:flex; flex-direction:column; gap:11px; flex:1; }
.price-card .price-includes li{ font-size:0.94rem; color:var(--ink-soft); line-height:1.5; padding-left:16px; position:relative; }
.price-card .price-includes li::before{ content:"–"; position:absolute; left:0; color:var(--ink-faint); }
.price-card .price-meta{ margin-top:20px; font-size:0.86rem; color:var(--ink-faint); font-weight:600; }
.price-card .btn{ width:100%; justify-content:center; margin-top:22px; }

.howit-steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
@media (max-width:860px){ .howit-steps{ grid-template-columns:1fr; } }
.howit-steps .step h3{ font-size:1.05rem; margin-bottom:8px; }
.howit-steps .step p{ color:var(--ink-soft); font-size:0.95rem; line-height:1.55; }

.faq-list{ display:flex; flex-direction:column; gap:8px; max-width:760px; }
.faq-item{ padding:16px 0; }
.faq-item h3{ font-size:1.05rem; margin-bottom:8px; }
.faq-item p{ color:var(--ink-soft); font-size:0.98rem; line-height:1.6; }

.callout{ background:var(--brand-tint); border:1px solid var(--border); border-radius:var(--radius-m); padding:26px 28px; }
.callout p{ color:var(--brand-dark); font-size:0.96rem; line-height:1.6; }
.callout p + p{ margin-top:10px; }
.callout.gold{ background:var(--gold-tint); }
.callout.gold p{ color:#4a3814; }

footer{ padding:48px 0 64px; border-top:1px solid var(--border); }
.foot-grid{ display:flex; justify-content:space-between; gap:28px; flex-wrap:wrap; align-items:flex-start; }
footer .brand{ font-size:1.05rem; }
.foot-disclaimer{ max-width:540px; font-size:0.86rem; color:var(--ink-faint); line-height:1.6; margin-top:16px; }
.foot-links{ display:flex; gap:20px; list-style:none; padding:0; margin:0; font-size:0.94rem; flex-wrap:wrap; }
.foot-links a{ text-decoration:none; color:var(--ink-soft); font-weight:600; }
.foot-links a:hover{ color:var(--brand); }
.foot-bottom{ margin-top:32px; padding-top:22px; border-top:1px solid var(--border); font-size:0.82rem; color:var(--ink-faint); display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; }