/* The Financial Butler - huisstijl afgeleid van het logo: zwart pak, grijze letters, rode strik.
   Strak en hoekig (radius 0), één accentkleur, één lettertype (Archivo, smal voor koppen zoals het logo). */
@font-face{font-family:Archivo;src:url(../fonts/archivo-latin.woff2) format("woff2");font-weight:400 800;font-stretch:62% 125%;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Archivo;src:url(../fonts/archivo-latin-ext.woff2) format("woff2");font-weight:400 800;font-stretch:62% 125%;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+1E00-1E9F,U+20A0-20AB,U+20AD-20C4,U+2C60-2C7F,U+A720-A7FF}

:root{
  --ink:#16181b;        /* pak */
  --text:#30353b;       /* lopende tekst, 11.9:1 op wit */
  --muted:#5b636b;      /* bijtekst, 6.2:1 op wit */
  --grey:#a9b0b0;       /* logogrijs, alleen decoratief */
  --line:#dde1e2;
  --mist:#f2f4f4;
  --paper:#fff;
  --red:#b4232c;        /* strik, 6.4:1 op wit */
  --red-dark:#8f1a22;
  --wrap:1200px;
  --gutter:clamp(16px,4vw,40px);
  --step:clamp(64px,9vw,120px);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:88px}
body{margin:0;background:var(--paper);color:var(--text);font:400 1.125rem/1.65 Archivo,system-ui,-apple-system,"Segoe UI",sans-serif;font-stretch:100%;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-decoration-color:var(--red);text-underline-offset:.2em;text-decoration-thickness:2px}
a:hover{color:var(--red)}
:focus-visible{outline:3px solid var(--red);outline-offset:3px}
h1,h2,h3{color:var(--ink);font-stretch:78%;font-weight:750;line-height:1.08;letter-spacing:-.01em;margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2.4rem,5.2vw,4.1rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
h3{font-size:1.45rem;line-height:1.2}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:12px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.lead{font-size:1.25rem;color:var(--text)}
.small{font-size:.95rem;color:var(--muted)}

/* knoppen */
.btn{display:inline-flex;align-items:center;gap:.6em;min-height:52px;padding:0 1.5em;border:2px solid var(--ink);background:var(--ink);color:#fff;font:inherit;font-weight:650;font-size:1.05rem;text-decoration:none;cursor:pointer;white-space:nowrap;transition:background .2s,border-color .2s,transform .1s}
.btn:hover{background:var(--red);border-color:var(--red);color:#fff}
.btn:active{transform:translateY(1px)}
.btn--ghost{background:transparent;color:var(--ink)}
.btn--ghost:hover{background:var(--ink);border-color:var(--ink)}
.btn--red{background:var(--red);border-color:var(--red)}
.btn--red:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn svg{width:20px;height:20px;flex:none}

/* kop */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.top .logo img{height:58px;width:auto}
.nav{display:flex;align-items:center;gap:4px}
.nav a{padding:10px 12px;font-weight:550;font-size:1rem;text-decoration:none;color:var(--ink)}
.nav a[aria-current=page]{box-shadow:inset 0 -3px 0 var(--red)}
.nav a:hover{color:var(--red)}
.nav .btn{margin-left:12px;min-height:44px;color:#fff}
.menu-btn{display:none}
@media (max-width:1040px){
  .menu-btn{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 14px;border:2px solid var(--ink);background:#fff;font:inherit;font-weight:650;cursor:pointer}
  .nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px var(--gutter) 20px}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:1.1rem}
  .nav .btn{margin:16px 0 0;justify-content:center;border-bottom:2px solid var(--ink)}
  .top .logo img{height:42px}
}

/* hero */
.hero{padding:clamp(40px,6vw,80px) 0 var(--step)}
.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}
.hero h1 span{color:var(--red)}
.hero .lead{max-width:34ch}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero figure{margin:0;position:relative}
.hero figure img{aspect-ratio:4/3.4;object-fit:cover;width:100%}
.hero figure::after{content:"";position:absolute;left:-14px;bottom:-14px;width:38%;height:10px;background:var(--red)}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero figure{order:-1}.hero figure img{aspect-ratio:16/10}.hero figure::after{left:0;bottom:-10px;height:8px}}

/* vertrouwensbalk onder hero */
.facts{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--mist)}
.facts ul{list-style:none;margin:0 auto;padding:0 var(--gutter);display:grid;grid-template-columns:repeat(4,1fr)}
.facts li{padding:26px 20px;border-left:1px solid var(--line);font-size:1rem;line-height:1.4;color:var(--text)}
.facts li:first-child{border-left:0;padding-left:0}
.hero .wrap{grid-template-columns:1.2fr 1fr}
.hero h1{font-size:clamp(2.1rem,4.2vw,3.05rem)}
.hero h1 span{display:block}
.hero h1{text-wrap:wrap}
.hero .lead{max-width:42ch}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}}
.facts strong{display:block;color:var(--ink);font-stretch:80%;font-size:1.3rem;margin-bottom:2px}
@media (max-width:860px){.facts ul{grid-template-columns:1fr 1fr}.facts li:nth-child(3){border-left:0}.facts li{border-top:1px solid var(--line)}.facts li:nth-child(-n+2){border-top:0}}

section{padding:var(--step) 0}
.section-head{max-width:760px;margin-bottom:48px}

/* diensten: asymmetrisch raster, grote eerste tegel */
.services{display:grid;grid-template-columns:repeat(6,1fr);gap:2px;background:var(--line);border:2px solid var(--line)}
.svc{background:#fff;padding:32px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--text);grid-column:span 2;transition:background .2s}
.svc:hover{background:var(--mist);color:var(--text)}
.svc:hover h3{color:var(--red)}
.svc h3{margin:0;transition:color .2s}
.svc p{margin:0;font-size:1.02rem}
.svc .more{margin-top:auto;padding-top:12px;font-weight:650;color:var(--ink);display:inline-flex;gap:8px;align-items:center}
.svc .more svg{width:18px;height:18px;transition:transform .2s}
.svc:hover .more svg{transform:translateX(4px)}
.svc--big{grid-column:span 3;grid-row:span 2;padding:0;background:var(--ink);color:#e9ecec}
.svc--big:hover{background:var(--ink);color:#e9ecec}
.svc--big img{aspect-ratio:16/9;object-fit:cover;width:100%}
.svc--big .body{padding:32px;display:flex;flex-direction:column;gap:10px;flex:1}
.svc--big h3,.svc--big .more{color:#fff}
.svc--big:hover h3{color:#fff;text-decoration:underline;text-decoration-color:var(--red)}
.svc--wide{grid-column:span 3}
@media (max-width:960px){.services{grid-template-columns:1fr 1fr}.svc,.svc--big,.svc--wide{grid-column:span 1;grid-row:auto}.svc--big{grid-column:span 2}}
@media (max-width:620px){.services{grid-template-columns:1fr}.svc--big{grid-column:span 1}}

/* voor wie */
.who{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,3vw,40px)}
.who figure{margin:0}
.who img{aspect-ratio:4/3;object-fit:cover;width:100%;margin-bottom:18px}
.who h3{margin-bottom:.35em}
.who p{font-size:1.02rem}
@media (max-width:860px){.who{grid-template-columns:1fr}}

/* werkwijze */
.dark{background:var(--ink);color:#d5dada}
.dark h2,.dark h3{color:#fff}
.dark a{color:#fff}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s}
.steps li{padding:28px 28px 8px 0;border-top:3px solid #3a3f45;counter-increment:s;position:relative}
.steps li::before{content:counter(s);position:absolute;top:-3px;left:0;width:48px;height:3px;background:var(--red);font-size:0}
.steps h3{font-size:1.3rem;margin-top:10px}
.steps p{font-size:1rem;color:#c0c6c6}
.steps .num{font-stretch:75%;font-weight:800;font-size:2.6rem;color:var(--grey);line-height:1}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr;gap:0 28px}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* split met beeld */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,80px);align-items:center}
.split img{aspect-ratio:5/4;object-fit:cover;width:100%}
.checks{list-style:none;padding:0;margin:20px 0 28px;display:grid;gap:12px}
.checks li{display:grid;grid-template-columns:26px 1fr;gap:12px;align-items:start}
.checks svg{width:24px;height:24px;color:var(--red);margin-top:3px}
@media (max-width:860px){.split{grid-template-columns:1fr}}

/* FAQ */
.faq{max-width:860px}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 48px 22px 0;font-weight:650;font-size:1.15rem;color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:14px;height:14px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq summary:hover{color:var(--red)}
.faq details>div{padding:0 0 22px}

/* contactblok */
.contact-band{background:var(--mist);border-top:1px solid var(--line)}
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:clamp(32px,5vw,80px)}
.direct{list-style:none;padding:0;margin:24px 0;display:grid;gap:14px}
.direct a{display:flex;align-items:center;gap:14px;font-weight:650;font-size:1.15rem;text-decoration:none;padding:16px 18px;background:#fff;border:1px solid var(--line)}
.direct a:hover{border-color:var(--ink);color:var(--ink)}
.direct svg{width:24px;height:24px;color:var(--red);flex:none}
.direct span{display:block;font-weight:400;font-size:.95rem;color:var(--muted)}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}

/* formulier */
.form{background:#fff;border:1px solid var(--line);padding:clamp(24px,3vw,40px);display:grid;gap:18px}
.form h3{margin:0}
.field{display:grid;gap:6px}
.field label{font-weight:650;color:var(--ink);font-size:1rem}
.field .opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{font:inherit;font-size:1.05rem;color:var(--ink);background:#fff;border:2px solid #9aa2a8;border-radius:0;padding:12px 14px;min-height:52px;width:100%}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(180,35,44,.25)}
.field .err{color:var(--red);font-size:.95rem;display:none}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:var(--red)}
.field.invalid .err{display:block}
.hp{position:absolute;left:-9999px}
.form .note{font-size:.92rem;color:var(--muted);margin:0}
.form .status{padding:14px 16px;font-weight:600;display:none}
.form .status.ok{display:block;background:#eef6f0;border-left:4px solid #2f7a45;color:#1d4d2b}
.form .status.fail{display:block;background:#fbeeee;border-left:4px solid var(--red);color:var(--red-dark)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}

/* subpagina's */
.page-hero{padding:clamp(40px,6vw,72px) 0 clamp(32px,4vw,56px);border-bottom:1px solid var(--line)}
.crumbs{font-size:.95rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted)}
.page-hero .lead{max-width:60ch}
.page-hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.article{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:clamp(32px,5vw,80px);align-items:start}
.article h2{font-size:clamp(1.6rem,2.6vw,2.1rem);margin-top:1.6em}
.article h2:first-child{margin-top:0}
.article ul{padding-left:1.2em;max-width:68ch}
.article li{margin-bottom:.4em}
.aside{position:sticky;top:100px;background:var(--ink);color:#d5dada;padding:28px}
.aside h3{color:#fff;font-size:1.3rem}
.aside .btn{width:100%;justify-content:center;margin-top:8px}
.aside .btn--ghost{color:#fff;border-color:#fff}
.aside .btn--ghost:hover{background:#fff;color:var(--ink)}
.aside p{font-size:1rem}
.portret{margin:32px 0 8px;max-width:360px;position:relative}
.portret img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover;border-bottom:8px solid var(--red)}
.portret figcaption{margin-top:14px;font-size:1rem;line-height:1.4}
.portret figcaption strong{display:block;font-size:1.15rem}
@media (max-width:960px){.article{grid-template-columns:1fr}.aside{position:static}}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:2px;background:var(--line);border:2px solid var(--line);margin:24px 0 8px}
.tiles div{background:#fff;padding:22px}
.tiles h3{font-size:1.15rem;margin-bottom:.3em}
.tiles p{font-size:.98rem;margin:0}

/* voet */
.foot{background:var(--ink);color:#b9c0c0;padding:64px 0 28px;font-size:1rem}
.foot a{color:#fff;text-decoration:none}
.foot a:hover{color:#fff;text-decoration:underline;text-decoration-color:var(--red)}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot h2{color:#fff;font-size:1.1rem;font-stretch:90%;margin-bottom:14px}
.foot ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot .legal{border-top:1px solid #33383d;margin-top:48px;padding-top:22px;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;font-size:.9rem}
.foot .logo-inv{filter:invert(1) grayscale(1) brightness(1.6);height:46px;width:auto;margin-bottom:16px}
@media (max-width:860px){.foot .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot .cols{grid-template-columns:1fr}}

/* vaste belbalk op telefoon */
.callbar{display:none}
@media (max-width:720px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}
  .callbar .btn{justify-content:center;min-height:48px;padding:0 10px}
  body{padding-bottom:calc(68px + env(safe-area-inset-bottom))}
}

/* rustige onthulling bij scrollen: toont volgorde, verder niets */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s cubic-bezier(.16,1,.3,1),transform .6s cubic-bezier(.16,1,.3,1)}
  .reveal.in{opacity:1;transform:none}
}

/* pakketten */
.packs{display:grid;grid-template-columns:1fr 1.12fr 1fr;gap:clamp(16px,2vw,24px);align-items:stretch}
.pack{border:2px solid var(--line);border-top:6px solid var(--ink);padding:28px;display:flex;flex-direction:column;background:#fff}
.pack--main{border-top-color:var(--red);box-shadow:0 18px 40px rgba(22,24,27,.08)}
.pack h3{margin-bottom:.3em}
.pack>p{font-size:1rem;color:var(--muted)}
.pack .checks{margin:8px 0 20px;font-size:1rem}
.pack .price{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);font-weight:650;color:var(--ink);font-size:1rem}
.switch{margin-top:28px;display:flex;gap:24px;align-items:center;justify-content:space-between;padding:24px 28px;background:var(--mist);border-left:6px solid var(--red)}
.switch p{margin:0}
@media (max-width:960px){.packs{grid-template-columns:1fr}.switch{flex-direction:column;align-items:flex-start}}
.article .packs{grid-template-columns:1fr;margin-bottom:8px}

/* tools */
.toolcards{display:grid;grid-template-columns:1fr 1.4fr;gap:2px;background:var(--line);border:2px solid var(--line)}
.toolcard{background:#fff;padding:32px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--text);transition:background .2s}
.toolcard:hover{background:var(--mist);color:var(--text)}
.toolcard h3,.toolcard p{margin:0}
.toolcard .more{margin-top:auto;padding-top:12px;font-weight:650;color:var(--ink);display:inline-flex;gap:8px;align-items:center}
.toolcard .more svg{width:18px;height:18px;transition:transform .2s}
.toolcard:hover .more svg{transform:translateX(4px)}
.toolcard--dark{background:var(--ink);color:#d5dada}
.toolcard--dark:hover{background:#25292e;color:#d5dada}
.toolcard--dark h3,.toolcard--dark .more{color:#fff}
@media (max-width:760px){.toolcards{grid-template-columns:1fr}}

.check{display:grid;gap:14px;margin-bottom:40px}
.check fieldset{border:2px solid var(--line);margin:0;padding:18px 20px}
.check legend{float:left;width:100%;font-weight:650;color:var(--ink);padding:0;margin-bottom:12px}
.check .jn{clear:both;display:flex;gap:8px}
.check .jn label{display:inline-flex;align-items:center;gap:8px;border:2px solid #9aa2a8;padding:10px 16px;cursor:pointer;font-weight:600;min-height:44px}
.check .jn label:has(input:checked){border-color:var(--ink);background:var(--ink);color:#fff}
.check .jn input{accent-color:var(--red);width:18px;height:18px}
.check .err{display:none;color:var(--red);font-size:.95rem;width:100%}
.check fieldset.invalid{border-color:var(--red)}
.check fieldset.invalid .err{display:block}
.check-uit{padding:24px 28px;background:var(--mist);border-left:6px solid var(--ink)}
.check-uit.hot{border-left-color:var(--red)}
.check-uit h3{margin-bottom:.3em}

.tool{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,56px);align-items:start}
.tick{display:flex;gap:12px;align-items:flex-start;font-size:1.02rem;cursor:pointer}
.tick input{width:22px;height:22px;margin-top:3px;accent-color:var(--red);flex:none}
.tick:has(input:disabled){opacity:.5}
.result{background:var(--ink);color:#d5dada;padding:clamp(24px,3vw,40px)}
.result .small{color:#aab2b2;margin:0}
.result .big{font-stretch:78%;font-weight:800;font-size:clamp(2.6rem,6vw,3.8rem);color:#fff;line-height:1;margin:6px 0 10px}
.result strong{color:#fff}
.result dl{margin:24px 0;display:grid;gap:0}
.result dl div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid #33383d}
.result dt{font-size:1rem}
.result dd{margin:0;font-weight:650;color:#fff;font-variant-numeric:tabular-nums}
.result .hl dd,.result .hl dt{color:#fff;font-weight:750}
@media (max-width:860px){.tool{grid-template-columns:1fr}}

/* deadlinetabel en checklist */
.tabel{overflow-x:auto;margin:0 0 8px}
.tabel table{width:100%;border-collapse:collapse;font-size:.97rem}
.tabel caption{text-align:left;font-weight:700;padding-bottom:10px;color:var(--ink)}
.tabel th,.tabel td{text-align:left;vertical-align:top;padding:14px 12px;border-bottom:1px solid var(--line)}
.tabel thead th{background:var(--ink);color:#fff;font-weight:600}
.tabel tbody th{white-space:nowrap;color:var(--red-dark)}
@media (max-width:640px){.tabel thead{display:none}.tabel tr{display:block;border-bottom:1px solid var(--line);padding:10px 0}.tabel th,.tabel td{display:block;border:0;padding:4px 0}}
.checklist ul{list-style:none;padding:0}
.checklist li{border-bottom:1px solid var(--line);margin:0;padding:10px 0}
.checklist input:checked+*,.checklist label:has(input:checked){color:var(--muted);text-decoration:line-through}
@media print{.top,.foot,.callbar,.aside,.contact-band{display:none!important}}