:root{box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px);
--haven:#13203F;--haven-2:#1C2D57;--koper:#E8873A;--koper-d:#C96A1F;--neon:#33D6E3;--groen:#2FBF71;--rood:#E4473C;
--bg:#F3F5F9;--paper:#FFFFFF;--ink:#13203F;--ink-2:#4A5675;--line:#DCE2EC;}
:root:not([data-theme="light"]){color-scheme:light}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0E1730;--paper:#16224A;--ink:#EEF2FA;--ink-2:#AEB9D3;--line:#2A3A66}}
:root[data-theme="dark"]{--bg:#0E1730;--paper:#16224A;--ink:#EEF2FA;--ink-2:#AEB9D3;--line:#2A3A66}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 90px);scroll-behavior:smooth}
*,*::before,*::after{box-sizing:inherit}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Figtree,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
.hvc img{max-width:100%;display:block}
.hvc a{color:inherit}
.hvc h1,.hvc h2,.hvc h3,.hvc h4{font-family:"Bricolage Grotesque",Figtree,system-ui,sans-serif;line-height:1.08;margin:0 0 .5em;letter-spacing:-.015em}
.hvc h1{font-size:clamp(2.3rem,5.4vw,4.2rem);font-weight:800}
.hvc h2{font-size:clamp(1.8rem,3.6vw,2.7rem);font-weight:800}
.hvc h3{font-size:1.35rem;font-weight:700}
.hvc p{margin:0 0 1em;max-width:68ch}
.hvc .wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.hvc :focus-visible{outline:3px solid var(--neon);outline-offset:3px;border-radius:6px}
.hvc .btn{display:inline-flex;align-items:center;gap:.5em;font:700 1rem/1 Figtree,sans-serif;padding:15px 22px;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:transform .15s,background .15s}
.hvc .btn:hover{transform:translateY(-2px)}
.hvc .btn-koper{background:var(--koper);color:#fff}.hvc .btn-koper:hover{background:var(--koper-d)}
.hvc .btn-wit{background:#fff;color:var(--haven)}
.hvc .btn-rand{border-color:currentColor;background:transparent}
.hvc .muted{color:var(--ink-2)}
.hvc section{padding:84px 0}
.hvc .donker{background:var(--haven);color:#fff}
.hvc .donker .muted{color:#B9C4DE}
.hvc .wit{background:var(--paper)}

/* top bar + header */
.hvc .topbar{background:var(--haven);color:#C9D3EA;font-size:.88rem}
.hvc .topbar .wrap{display:flex;gap:18px;justify-content:space-between;align-items:center;padding:7px 0;flex-wrap:wrap}
.hvc .topbar a{text-decoration:none;color:#fff;font-weight:600}
.hvc .topbar .sterren{color:#FFC94A}
.hvc header.kop{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--paper);border-bottom:1px solid var(--line)}
.hvc header.kop .wrap{display:flex;align-items:center;gap:20px;min-height:76px}
.hvc .logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex-shrink:0}
.hvc .logo svg{width:46px;height:46px;flex-shrink:0}
.hvc .logo .lw{font-family:"Bricolage Grotesque",sans-serif;font-weight:800;font-size:1.22rem;letter-spacing:-.02em;line-height:1}
.hvc .logo .lw b{color:var(--koper)}
.hvc .logo .lw small{display:block;font:600 .7rem/1.3 Figtree,sans-serif;color:var(--ink-2);letter-spacing:0;margin-top:3px}
.hvc nav.menu{display:flex;gap:4px;margin-left:auto}
.hvc nav.menu a{white-space:nowrap;text-decoration:none;font-weight:600;padding:10px 12px;border-radius:10px;color:var(--ink-2);font-size:.98rem}
.hvc nav.menu a:hover{color:var(--ink);background:var(--bg)}
.hvc nav.menu a.actief{color:var(--ink);background:var(--bg);box-shadow:inset 0 -3px 0 var(--koper)}
.hvc nav.menu a.ai{color:var(--haven);background:linear-gradient(var(--paper),var(--paper)) padding-box,linear-gradient(90deg,var(--neon),var(--koper)) border-box;border:2px solid transparent}
.hvc .kop-cta{margin-left:6px}
.hvc .hamb{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer;color:var(--ink)}
.hvc .kop-cta{display:none}
@media (max-width:1320px){
 .hvc .hamb{display:block}
 .hvc nav.menu{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;background:var(--paper);padding:10px 20px 20px;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(19,32,63,.4)}
 .hvc nav.menu.open{display:flex}
 .hvc nav.menu a{padding:14px}
 .hvc .topbar .verberg-m{display:none}
}

/* pages */
.hvc .pagina{display:none}
.hvc .pagina.zicht{display:block}

/* HERO */
.hvc .hero{position:relative;color:#fff;padding:0;overflow:hidden;background:var(--haven)}
.hvc .hero .bgimg{position:absolute;inset:0;background:var(--bg-img) center/cover;opacity:.55}
.hvc .hero::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(19,32,63,.97) 0%,rgba(19,32,63,.85) 45%,rgba(19,32,63,.35) 100%)}
.hvc .hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding:70px 0 80px}
.hvc .hero h1{max-width:13ch}
.hvc .hero .lead{font-size:1.2rem;color:#D5DDF0;max-width:46ch}
.hvc .hero .knoppen{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hvc .usp-rij{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:30px;font-weight:600;font-size:.95rem;color:#E4EAF7}
.hvc .usp-rij span::before{content:"";display:inline-block;width:18px;height:18px;margin-right:8px;vertical-align:-3px;background:var(--groen);border-radius:50%;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M10 0a10 10 0 100 20 10 10 0 000-20zm-1.4 14.2L4.4 10l1.4-1.4 2.8 2.8 5.6-5.6 1.4 1.4-7 7z'/%3E%3C/svg%3E") center/contain;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M10 0a10 10 0 100 20 10 10 0 000-20zm-1.4 14.2L4.4 10l1.4-1.4 2.8 2.8 5.6-5.6 1.4 1.4-7 7z'/%3E%3C/svg%3E") center/contain}
.hvc .sjef-kaart{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-radius:28px;padding:24px;position:relative}
.hvc .sjef-kop{display:flex;gap:14px;align-items:flex-end}
.hvc .sjef-kop .sjef{width:140px;flex-shrink:0;margin-bottom:-6px}
.hvc .ballon{background:#fff;color:var(--haven);border-radius:20px 20px 20px 4px;padding:14px 16px;font-weight:600;line-height:1.4;position:relative;margin-bottom:22px}
.hvc .ballon small{display:block;font-weight:500;color:var(--ink-2);margin-top:4px;font-size:.88rem}
.hvc .chips{display:flex;flex-wrap:wrap;gap:8px}
.hvc .chip{font:600 .92rem/1 Figtree,sans-serif;padding:10px 14px;border-radius:999px;border:1.5px solid rgba(255,255,255,.35);background:rgba(255,255,255,.06);color:#fff;cursor:pointer;transition:background .15s,border-color .15s}
.hvc .chip:hover{background:var(--koper);border-color:var(--koper)}
.hvc .chips-meer{background:none;border:0;color:var(--neon);font-weight:700;cursor:pointer;padding:10px 4px;font-size:.92rem}
@media (max-width:900px){.hvc .hero .wrap{grid-template-columns:1fr;padding:46px 0 56px}.hvc .hero::after{background:rgba(19,32,63,.88)}}

/* trust */
.hvc .vertrouwen{background:var(--paper);border-bottom:1px solid var(--line);padding:22px 0}
.hvc .vertrouwen .wrap{display:flex;flex-wrap:wrap;gap:14px 40px;justify-content:space-between;align-items:center}
.hvc .vertrouwen div{font-size:.95rem;color:var(--ink-2)}
.hvc .vertrouwen strong{display:block;font-family:"Bricolage Grotesque",sans-serif;font-size:1.6rem;color:var(--ink);line-height:1.1}

/* split */
.hvc .split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hvc .split .foto{border-radius:26px;min-height:420px;background:var(--bg-img) center/cover;box-shadow:0 30px 60px -30px rgba(19,32,63,.55)}
@media (max-width:860px){.hvc .split{grid-template-columns:1fr;gap:30px}.hvc .split .foto{min-height:260px}}
.hvc .belofte{display:grid;gap:20px;margin-top:20px}
.hvc .belofte div{padding-left:18px;border-left:4px solid var(--koper)}
.hvc .belofte h3{margin-bottom:4px}
.hvc .belofte p{margin:0;color:var(--ink-2)}

/* pakket */
.hvc .pakket{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
.hvc .pk{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:26px}
.hvc .pk .tag{display:inline-block;font:700 .8rem/1 Figtree,sans-serif;padding:7px 11px;border-radius:999px;margin-bottom:14px}
.hvc .pk.altijd{background:var(--haven);color:#fff;border-color:var(--haven)}
.hvc .pk.altijd .tag{background:var(--koper);color:#fff}
.hvc .pk.pand .tag{background:#E3F7FA;color:#0F6F78}
.hvc .pk.slim .tag{background:#E8F7EF;color:#1D7A49}
.hvc .pk ul{margin:0;padding:0;list-style:none}
.hvc .pk li{padding:10px 0;border-top:1px solid rgba(127,140,170,.25)}
.hvc .pk li:first-child{border-top:0}
.hvc .pk li b{display:block}
.hvc .pk li span{font-size:.93rem;opacity:.8}
@media (max-width:900px){.hvc .pakket{grid-template-columns:1fr}}

/* scope banner */
.hvc .scope{position:relative;border-radius:30px;padding:46px;background:linear-gradient(120deg,#1C2D57,#13203F 60%);color:#fff;overflow:hidden;display:grid;grid-template-columns:auto 1fr auto;gap:34px;align-items:center}
.hvc .scope::before{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(51,214,227,.35),transparent 70%)}
.hvc .scope .zegel{width:130px;height:130px;border-radius:50%;background:var(--koper);display:grid;place-items:center;text-align:center;font-family:"Bricolage Grotesque",sans-serif;font-weight:800;line-height:1;transform:rotate(-8deg);box-shadow:0 0 0 8px rgba(232,135,58,.25)}
.hvc .scope .zegel span{font-size:2.3rem;display:block}
.hvc .scope .zegel small{font-size:.85rem;font-family:Figtree,sans-serif;font-weight:700}
.hvc .scope h2{margin-bottom:.3em}
.hvc .scope p{color:#D5DDF0;margin:0}
@media (max-width:860px){.hvc .scope{grid-template-columns:1fr;padding:32px;text-align:left}}

/* types strip */
.hvc .types{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:30px}
.hvc .type{position:relative;border-radius:18px;overflow:hidden;min-height:260px;background:var(--bg-img) center/cover;color:#fff;text-decoration:none;display:flex;align-items:flex-end;padding:16px;cursor:pointer;border:0;text-align:left;font:inherit}
.hvc .type::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 35%,rgba(19,32,63,.92))}
.hvc .type div{position:relative}
.hvc .type b{font-family:"Bricolage Grotesque",sans-serif;font-size:1.2rem;display:block;line-height:1.1}
.hvc .type span{font-size:.86rem;color:#D5DDF0}
@media (max-width:980px){.hvc .types{grid-template-columns:repeat(2,1fr)}.hvc .type{min-height:180px}}

/* reviews */
.hvc .reviews{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:30px}
.hvc .rev{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:22px}
.hvc .rev .st{color:#FFC94A;letter-spacing:2px}
.hvc .rev blockquote{margin:10px 0 14px;font-size:.98rem}
.hvc .rev cite{font-style:normal;font-size:.88rem;color:#B9C4DE}
@media (max-width:980px){.hvc .reviews{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.hvc .reviews{grid-template-columns:1fr}}

/* stappen */
.hvc .stappen{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:30px}
.hvc .stap{counter-increment:s;position:relative;padding-top:62px}
.hvc .stap::before{content:counter(s);position:absolute;top:0;left:0;width:46px;height:46px;border-radius:14px;background:var(--koper);color:#fff;display:grid;place-items:center;font:800 1.3rem/1 "Bricolage Grotesque",sans-serif}
@media (max-width:800px){.hvc .stappen{grid-template-columns:1fr}}

/* CTA band */
.hvc .cta-band{background:var(--koper);color:#fff;padding:60px 0}
.hvc .cta-band .wrap{display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.hvc .cta-band h2{margin:0}
.hvc .cta-band .btn-wit{color:var(--koper-d)}

/* INFO page */
.hvc .pagekop{background:var(--haven);color:#fff;padding:64px 0 54px;position:relative;overflow:hidden}
.hvc .pagekop .bgimg{position:absolute;inset:0;background:var(--bg-img) center/cover;opacity:.28}
.hvc .pagekop .wrap{position:relative}
.hvc .pagekop p{color:#D5DDF0;font-size:1.15rem}
.hvc .kruimel{font-size:.9rem;color:#B9C4DE;margin-bottom:14px}
.hvc .info-grid{display:grid;grid-template-columns:260px 1fr;gap:48px;align-items:start}
.hvc .inhoud{position:sticky;top:110px;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:18px}
.hvc .inhoud b{display:block;margin-bottom:8px}
.hvc .inhoud a{display:block;text-decoration:none;color:var(--ink-2);padding:6px 0;font-weight:500;font-size:.96rem}
.hvc .inhoud a:hover{color:var(--koper-d)}
@media (max-width:900px){.hvc .info-grid{grid-template-columns:1fr}.hvc .inhoud{position:static}}
.hvc .verz{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:30px;margin-bottom:22px}
.hvc .verz-kop{display:flex;justify-content:space-between;gap:14px;align-items:flex-start;flex-wrap:wrap}
.hvc .label{font:700 .8rem/1 Figtree,sans-serif;padding:7px 11px;border-radius:999px;white-space:nowrap}
.hvc .l-altijd{background:var(--haven);color:#fff}
.hvc .l-pand{background:#E3F7FA;color:#0F6F78}
.hvc .l-slim{background:#E8F7EF;color:#1D7A49}
.hvc .l-extra{background:#FDF0E5;color:#9A4E12}
.hvc .drie{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:10px}
.hvc .drie h4{font-size:1rem;margin-bottom:6px;color:var(--koper-d)}
.hvc .drie p{font-size:.96rem;margin:0;color:var(--ink-2)}
@media (max-width:760px){.hvc .drie{grid-template-columns:1fr}}
.hvc .voorbeeld{margin-top:18px;background:var(--bg);border-radius:14px;padding:14px 16px;font-size:.96rem}
.hvc .voorbeeld b{color:var(--ink)}
.hvc table.eisen{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--paper);border-radius:18px;overflow:hidden}
.hvc .tabel-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:18px}
.hvc table.eisen th,.hvc table.eisen td{padding:13px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.hvc table.eisen th{background:var(--haven);color:#fff;font-weight:600;font-size:.88rem}
.hvc table.eisen td.c{text-align:center;color:var(--groen);font-weight:800}
.hvc details.faq{background:var(--paper);border:1px solid var(--line);border-radius:16px;margin-bottom:10px}
.hvc details.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:10px}
.hvc details.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--koper)}
.hvc details.faq[open] summary::after{content:"–"}
.hvc details.faq div{padding:0 22px 18px;color:var(--ink-2)}
.hvc .extras{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.hvc .extras div{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:18px}
.hvc .extras b{display:block;margin-bottom:4px}
.hvc .extras span{color:var(--ink-2);font-size:.95rem}
@media (max-width:700px){.hvc .extras{grid-template-columns:1fr}}

/* AI ADVISEUR */
.hvc .ai-shell{display:grid;grid-template-columns:300px 1fr;gap:26px;align-items:start}
@media (max-width:900px){.hvc .ai-shell{grid-template-columns:1fr}}
.hvc .ai-zij{position:sticky;top:110px;background:var(--haven);color:#fff;border-radius:26px;padding:24px;text-align:center;overflow:hidden}
.hvc .ai-zij .sjef{width:180px;margin:0 auto}
.hvc .ai-zij h3{margin:6px 0 2px}
.hvc .ai-zij p{color:#B9C4DE;font-size:.94rem;margin:0 auto 14px}
.hvc .voortgang{height:8px;background:rgba(255,255,255,.15);border-radius:99px;overflow:hidden;margin:14px 0 6px}
.hvc .voortgang i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--neon),var(--koper));transition:width .4s}
.hvc .stem{margin-top:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#fff;border-radius:999px;padding:9px 14px;font:600 .88rem Figtree,sans-serif;cursor:pointer}
.hvc .stem[aria-pressed="true"]{background:var(--neon);color:var(--haven);border-color:var(--neon)}
@media (max-width:900px){.hvc .ai-zij{position:static;display:flex;gap:16px;align-items:center;text-align:left;padding:16px}.hvc .ai-zij .sjef{width:90px;margin:0}.hvc .ai-zij p{display:none}}
.hvc .chat{background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:24px;min-height:560px;display:flex;flex-direction:column}
.hvc .berichten{display:flex;flex-direction:column;gap:12px;flex:1}
.hvc .msg{max-width:82%;padding:13px 16px;border-radius:18px;line-height:1.45;animation:in .25s ease-out}
.hvc .msg.bot{background:var(--bg);border-bottom-left-radius:4px}
.hvc .msg.ik{align-self:flex-end;background:var(--haven);color:#fff;border-bottom-right-radius:4px}
@keyframes in{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.hvc .msg{animation:none}.hvc *{scroll-behavior:auto!important}}
.hvc .typt{display:inline-flex;gap:4px;padding:16px}
.hvc .typt i{width:7px;height:7px;border-radius:50%;background:var(--ink-2);animation:dot 1s infinite}
.hvc .typt i:nth-child(2){animation-delay:.15s}.hvc .typt i:nth-child(3){animation-delay:.3s}
@keyframes dot{0%,60%,100%{opacity:.25}30%{opacity:1}}
.hvc .antw{margin-top:16px;padding-top:16px;border-top:1px solid var(--line)}
.hvc .antw .opties{display:flex;flex-wrap:wrap;gap:8px}
.hvc .opt{font:600 .95rem/1.2 Figtree,sans-serif;padding:11px 15px;border-radius:14px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;text-align:left}
.hvc .opt:hover{border-color:var(--koper)}
.hvc .opt[aria-pressed="true"]{background:var(--haven);color:#fff;border-color:var(--haven)}
.hvc .opt small{display:block;font-weight:500;opacity:.7;font-size:.8rem;margin-top:2px}
.hvc .antw .rij{display:flex;gap:10px;margin-top:12px;flex-wrap:wrap}
.hvc .invoer{flex:1;min-width:200px;font:500 1rem Figtree,sans-serif;padding:13px 15px;border-radius:14px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink)}
.hvc .terug{background:none;border:0;color:var(--ink-2);font:600 .9rem Figtree,sans-serif;cursor:pointer;margin-top:10px;padding:4px 0;text-decoration:underline}
/* rapport */
.hvc .rapport{margin-top:6px}
.hvc .rap-kop{background:var(--haven);color:#fff;border-radius:20px;padding:22px 24px;margin-bottom:16px}
.hvc .rap-kop p{color:#C9D3EA;margin:0}
.hvc .rap-blok{border:1px solid var(--line);border-radius:18px;padding:18px 20px;margin-bottom:14px;background:var(--paper)}
.hvc .rap-blok h4{display:flex;align-items:center;gap:10px;margin-bottom:10px;font-size:1.1rem}
.hvc .rap-blok ul{list-style:none;margin:0;padding:0}
.hvc .rap-blok li{padding:10px 0;border-top:1px solid var(--line);display:grid;grid-template-columns:24px 1fr;gap:10px}
.hvc .rap-blok li:first-child{border-top:0}
.hvc .rap-blok li::before{content:"✓";font-weight:800;color:var(--groen)}
.hvc .rap-blok.pre li::before{content:"!";color:var(--koper-d)}
.hvc .rap-blok li span{color:var(--ink-2);font-size:.94rem;display:block}
.hvc .rap-acties{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}

.hvc .rap-blok ul.keus li::before{content:none}
.hvc .rap-blok ul.keus li{grid-template-columns:22px 1fr;align-items:start}
.hvc .rap-blok ul.keus input{width:18px;height:18px;margin-top:3px;accent-color:var(--koper)}
.hvc .rap-blok h4 small{margin-left:auto}

.hvc nav.menu a.ai.actief{background:linear-gradient(var(--haven),var(--haven)) padding-box,linear-gradient(90deg,var(--neon),var(--koper)) border-box;color:#fff;box-shadow:0 6px 16px -6px rgba(232,135,58,.6)}
.hvc nav.menu a.actief{color:var(--haven);font-weight:700}
.hvc .opt[aria-pressed="true"]{background:var(--koper);border-color:var(--koper);color:#fff;box-shadow:0 0 0 3px rgba(232,135,58,.28)}
.hvc .opt.multi{position:relative;padding-left:44px}
.hvc .opt.multi::before{content:"";position:absolute;left:14px;top:50%;width:20px;height:20px;margin-top:-10px;border:2px solid #9AA6C2;border-radius:6px;background:var(--paper)}
.hvc .opt.multi[aria-pressed="true"]::before{border-color:#fff;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4 10.5l4 4 8-9' fill='none' stroke='%23C96A1F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.hvc .multi-hint{font-size:.9rem;color:var(--ink-2);margin:0 0 10px;font-weight:600}
/* scherpe foto's */
.hvc .mozaiek{display:grid;grid-template-columns:1.3fr 1fr;grid-template-rows:240px 240px;gap:16px;margin-top:30px}
.hvc .mozaiek figure{margin:0;border-radius:22px;overflow:hidden;position:relative}
.hvc .mozaiek figure:first-child{grid-row:1/3}
.hvc .mozaiek img{width:100%;height:100%;object-fit:cover}
@media (max-width:760px){.hvc .mozaiek{grid-template-columns:1fr;grid-template-rows:260px 200px 200px}.hvc .mozaiek figure:first-child{grid-row:auto}}
.hvc .foto-scherp{border-radius:22px;overflow:hidden;margin:0 0 22px}
.hvc .foto-scherp img{width:100%;height:340px;object-fit:cover;object-position:center 35%}
/* forms */
.hvc .form-grid{display:grid;grid-template-columns:1fr 360px;gap:36px;align-items:start}
@media (max-width:960px){.hvc .form-grid{grid-template-columns:1fr}}
.hvc form.vorm{background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:30px}
.hvc fieldset{border:0;padding:0;margin:0 0 26px}
.hvc legend{font:800 1.25rem "Bricolage Grotesque",sans-serif;margin-bottom:14px;padding:0}
.hvc .velden{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hvc .velden .vol{grid-column:1/-1}
@media (max-width:620px){.hvc .velden{grid-template-columns:1fr}}
.hvc label.v{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:.94rem}
.hvc label.v input,.hvc label.v select,.hvc label.v textarea{font:500 1rem Figtree,sans-serif;padding:12px 14px;border-radius:12px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);width:100%}
.hvc label.v textarea{min-height:110px;resize:vertical}
.hvc .keuzes{display:flex;flex-wrap:wrap;gap:8px}
.hvc .keuzes label{display:flex;align-items:center;gap:8px;padding:10px 14px;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;font-weight:600;font-size:.94rem}
.hvc .keuzes input{accent-color:var(--koper)}
.hvc .upload{border:2px dashed var(--line);border-radius:16px;padding:20px;text-align:center;cursor:pointer;display:block;transition:border-color .15s}
.hvc .upload:hover{border-color:var(--koper)}
.hvc .upload input{position:absolute;opacity:0;width:1px;height:1px}
.hvc .upload b{display:block}
.hvc .upload span{color:var(--ink-2);font-size:.9rem}
.hvc .upload ul{list-style:none;padding:0;margin:10px 0 0;font-size:.9rem;color:var(--groen);font-weight:600}
.hvc .upload ul li.fout{color:var(--rood)}
.hvc .upload.vol{border-color:var(--groen);border-style:solid}
.hvc .akkoord{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--ink-2)}
.hvc .akkoord input{margin-top:5px;accent-color:var(--koper)}
.hvc .melding{display:none;margin-top:16px;padding:16px;border-radius:14px;background:#E8F7EF;color:#14552F;font-weight:600}
.hvc .melding.fout{background:#FDECEA;color:#8A1F17}
.hvc .zijkaart{background:var(--haven);color:#fff;border-radius:26px;padding:26px;position:sticky;top:110px}
.hvc .zijkaart h3{margin-bottom:12px}
.hvc .zijkaart ul{margin:0;padding:0;list-style:none}
.hvc .zijkaart li{padding:10px 0 10px 30px;position:relative;border-top:1px solid rgba(255,255,255,.12);color:#D5DDF0}
.hvc .zijkaart li:first-child{border-top:0}
.hvc .zijkaart li::before{content:"✓";position:absolute;left:0;color:var(--neon);font-weight:800}
.hvc .zijkaart .bel{display:block;margin-top:18px;font:800 1.5rem "Bricolage Grotesque",sans-serif;color:#fff;text-decoration:none}
.hvc .prefill{display:none;background:#FDF0E5;border:1px solid #F4C9A3;color:#7A3D0C;border-radius:14px;padding:14px 16px;margin-bottom:20px;font-size:.95rem}

/* TEAM */
.hvc .team{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:30px}
.hvc .lid{margin:0}
.hvc .lid .ft{aspect-ratio:4/5;border-radius:20px;background:linear-gradient(160deg,var(--haven-2),var(--haven));overflow:hidden;position:relative;display:grid;place-items:center}
.hvc .lid .ft img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.hvc .lid .ft .ini{font:800 2.4rem "Bricolage Grotesque",sans-serif;color:var(--koper)}
.hvc .lid figcaption{padding:12px 4px 0}
.hvc .lid strong{display:block}
.hvc .lid span{color:var(--ink-2);font-size:.92rem}
@media (max-width:980px){.hvc .team{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.hvc .team{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}}
.hvc .contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.hvc .contact-grid h3{font-size:1.1rem}
@media (max-width:760px){.hvc .contact-grid{grid-template-columns:1fr}}

/* footer */
.hvc footer.voet{background:#0D1630;color:#B9C4DE;padding:60px 0 calc(28px + env(safe-area-inset-bottom,0px));font-size:.94rem}
.hvc footer .fg{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.hvc footer h4{color:#fff;font-size:1rem}
.hvc footer a{display:block;text-decoration:none;padding:4px 0;color:#B9C4DE}
.hvc footer a:hover{color:#fff}
.hvc footer .logo{color:#fff}
.hvc footer .logo .lw small{color:#8E9BBC}
.hvc footer .klein{border-top:1px solid #23305A;margin-top:40px;padding-top:20px;font-size:.84rem;color:#8E9BBC}
@media (max-width:860px){.hvc footer .fg{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}
@media (max-width:560px){.hvc footer .fg{grid-template-columns:minmax(0,1fr)}}
.hvc footer a,.hvc footer p{overflow-wrap:anywhere}
.hvc .mob-cta{display:none}
@media (max-width:700px){.hvc .mob-cta{display:flex;position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom,0px));z-index:60;gap:8px}.hvc .mob-cta .btn{flex:1;justify-content:center;box-shadow:0 10px 30px -10px rgba(0,0,0,.5)}body{padding-bottom:70px}}


/* partners */
.hvc .partners{background:var(--paper);padding:34px 0 40px;border-bottom:1px solid var(--line)}
.hvc .partners .wrap{display:grid;grid-template-columns:auto 1fr;gap:30px;align-items:center}
.hvc .partners h2{font-size:1.15rem;margin:0;max-width:16ch}
.hvc .partners h2 span{display:block;font:500 .9rem/1.4 Figtree,sans-serif;color:var(--ink-2);margin-top:4px;letter-spacing:0}
.hvc .p-logos{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.hvc .p-logo{background:#fff;border:1px solid var(--line);border-radius:16px;height:96px;display:grid;place-items:center;padding:14px 18px;text-decoration:none}
.hvc .p-logo img{max-height:62px;width:auto;max-width:100%;object-fit:contain}
.hvc .p-logo.scope10 img{max-height:70px}
@media (max-width:860px){.hvc .partners .wrap{grid-template-columns:1fr}.hvc .p-logos{grid-template-columns:repeat(2,1fr)}}
.hvc .scope-logo{display:inline-block;background:#fff;border-radius:12px;padding:8px 12px;margin-bottom:14px}
.hvc .scope-logo img{height:44px;width:auto}
.hvc .partner-rij{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.hvc .partner-rij span{background:#fff;border-radius:10px;padding:8px 12px;display:grid;place-items:center;height:52px}
.hvc .partner-rij img{max-height:34px;width:auto}

/* v4 */
.hvc nav.menu a.ai{color:var(--ink)}
.hvc nav.menu a.actief{color:var(--ink);font-weight:700}
.hvc nav.menu a.ai.actief{background:var(--koper);border-color:var(--koper);color:#fff;box-shadow:0 6px 16px -6px rgba(232,135,58,.6)}
.hvc nav.menu a{padding:9px 5px;font-size:.88rem}
.hvc header.kop .logo .lw{font-size:1.08rem}
.hvc header.kop .logo svg{width:40px;height:40px}
.hvc header.kop .wrap{gap:14px}
.hvc nav.menu{gap:2px}
.hvc .seo-intro{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:26px;margin-bottom:28px}
.hvc .feitjes{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:6px}
.hvc .feitjes div{background:var(--bg);border-radius:14px;padding:14px}
.hvc .feitjes b{display:block;font:800 1.35rem "Bricolage Grotesque",sans-serif;color:var(--koper-d)}
.hvc .feitjes span{font-size:.9rem;color:var(--ink-2)}
@media (max-width:700px){.hvc .feitjes{grid-template-columns:1fr}}
.hvc h2.groep{margin:46px 0 16px;padding-bottom:10px;border-bottom:3px solid var(--koper);display:inline-block}
.hvc .kaarten{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:10px}
.hvc .kaart{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}
.hvc .kaart h3{font-size:1.12rem;margin-bottom:6px}
.hvc .kaart p{margin:0;color:var(--ink-2);font-size:.96rem}
@media (max-width:700px){.hvc .kaarten{grid-template-columns:1fr}}
.hvc .blog-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
@media (max-width:960px){.hvc .blog-grid{grid-template-columns:1fr}}
.hvc .prose{font-size:1.06rem;line-height:1.72}
.hvc .prose p,.hvc .prose li{max-width:70ch}
.hvc .prose .intro{font-size:1.2rem;color:var(--ink);font-weight:500}
.hvc .prose h2{margin-top:1.8em;font-size:clamp(1.5rem,2.6vw,2rem)}
.hvc .prose h3{margin-top:1.4em;font-size:1.2rem}
.hvc .prose ul,.hvc .prose ol{padding-left:1.3em}
.hvc .prose li{margin-bottom:.5em}
.hvc .prose a{color:var(--koper-d);font-weight:600}
.hvc .prose table{margin:10px 0}
.hvc .cta-inline{background:var(--haven);color:#fff;border-radius:18px;padding:20px 22px;margin:28px 0}
.hvc .cta-inline a{color:var(--neon)!important;display:inline-block;margin-top:4px}
.hvc .meta-rij{color:#B9C4DE;font-size:.95rem}
.hvc .blogkaarten{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
@media (max-width:760px){.hvc .blogkaarten{grid-template-columns:1fr}}
.hvc .blogkaart{background:var(--paper);border:1px solid var(--line);border-radius:22px;overflow:hidden;text-decoration:none;display:flex;flex-direction:column}
.hvc .blogkaart img{height:220px;width:100%;object-fit:cover}
.hvc .blogkaart div{padding:20px 22px 24px}
.hvc .blogkaart h2{font-size:1.35rem;margin-bottom:8px}
.hvc .blogkaart p{color:var(--ink-2);margin:0 0 10px;font-size:.97rem}
.hvc .blogkaart small{color:var(--koper-d);font-weight:700}
.hvc .blog-mini a{display:grid;grid-template-columns:92px 1fr;gap:14px;align-items:center;text-decoration:none;padding:10px 0;border-top:1px solid var(--line)}
.hvc .blog-mini a:first-child{border-top:0}
.hvc .blog-mini img{width:92px;height:70px;object-fit:cover;border-radius:12px}
.hvc .blog-mini b{display:block;line-height:1.3}
.hvc .blog-mini span{font-size:.86rem;color:var(--ink-2)}
.hvc .zijkaart .andere a{display:block;color:#fff;text-decoration:none;padding:9px 0;border-top:1px solid rgba(255,255,255,.12);font-weight:600}

/* ondernemers */
.hvc .ond-hero{background:var(--haven);color:#fff;padding:60px 0 70px}
.hvc .ond-hero .kruimel{color:#B9C4DE}
.hvc .ond-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:50px;align-items:center}
.hvc .ond-hero h1{font-size:clamp(2.1rem,4.4vw,3.5rem)}
.hvc .ond-hero .lead{color:#D5DDF0;font-size:1.18rem;max-width:50ch}
.hvc .ond-hero .knoppen{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hvc .ond-foto{margin:0;border-radius:26px;overflow:hidden;background:#1C2D57;box-shadow:0 30px 60px -30px rgba(0,0,0,.7)}
.hvc .ond-foto img{width:100%;aspect-ratio:4/5;object-fit:cover}
.hvc .ond-foto figcaption{padding:14px 18px}
.hvc .ond-foto strong{display:block;font-size:1.1rem}
.hvc .ond-foto span{color:#B9C4DE;font-size:.9rem}
@media (max-width:860px){.hvc .ond-hero-grid{grid-template-columns:1fr}.hvc .ond-foto{max-width:340px}}
.hvc .ond-brief{max-width:780px}
.hvc .handtekening{font:800 1.5rem "Bricolage Grotesque",sans-serif;color:var(--koper-d);margin-top:1.4em}
.hvc .handtekening span{display:block;font:500 .95rem Figtree,sans-serif;color:var(--ink-2)}
.hvc .investering{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:8px 24px;max-width:720px;margin-top:20px}
.hvc .investering div{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-top:1px solid var(--line)}
.hvc .investering div:first-child{border-top:0}
.hvc .investering b{font-variant-numeric:tabular-nums;white-space:nowrap}
.hvc .investering .totaal{border-top:3px solid var(--koper);font-size:1.15rem}
.hvc .investering .totaal b{color:var(--koper-d)}
.hvc .drie-fouten{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.hvc .drie-fouten>div{position:relative;padding:26px;border-radius:22px;background:var(--bg);border-top:5px solid var(--rood)}
.hvc .drie-fouten .nr{font:800 2.6rem/1 "Bricolage Grotesque",sans-serif;color:var(--rood);opacity:.85}
.hvc .drie-fouten h3{margin-top:10px}
.hvc .drie-fouten p{color:var(--ink-2);margin:0}
@media (max-width:860px){.hvc .drie-fouten{grid-template-columns:1fr}}
.hvc .voorbeelden{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:24px}
@media (max-width:820px){.hvc .voorbeelden{grid-template-columns:1fr}}
.hvc .vb{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:24px;display:flex;flex-direction:column}
.hvc .vb p{font-size:.97rem;color:var(--ink-2)}
.hvc .vb p b{color:var(--ink)}
.hvc .vb-uitkomst{margin:auto 0 0!important;background:#FDECEA;color:#8A1F17!important;border-radius:14px;padding:12px 14px}
.hvc .vb-uitkomst b{color:#8A1F17!important}
.hvc .vb-goed{border-color:var(--groen)}
.hvc .vb-goed .vb-uitkomst{background:#E8F7EF;color:#14552F!important}
.hvc .vb-goed .vb-uitkomst b{color:#14552F!important}
.hvc .rekenaar{background:var(--haven);color:#fff;border-radius:24px;padding:26px;display:grid;gap:14px}
.hvc .rekenaar label.v{color:#D5DDF0}
.hvc .rekenaar input{background:#fff!important;color:#13203F!important}
.hvc .r-uit{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:6px}
.hvc .r-uit div{background:rgba(255,255,255,.08);border-radius:14px;padding:14px}
.hvc .r-uit span{display:block;font-size:.88rem;color:#B9C4DE}
.hvc .r-uit b{font:800 1.6rem "Bricolage Grotesque",sans-serif;color:var(--groen)}
.hvc .r-uit b.rood{color:#FF8A80}
.hvc .rekenaar #r-tekst{color:#D5DDF0}
.hvc .jeff-band{background:var(--haven);color:#fff;padding:60px 0}
.hvc .jeff-grid{display:grid;grid-template-columns:220px 1fr;gap:40px;align-items:center}
.hvc .jeff-grid img{width:220px;aspect-ratio:4/5;object-fit:cover;border-radius:22px}
.hvc .jeff-grid blockquote{margin:0 0 14px;font:700 clamp(1.25rem,2.4vw,1.7rem)/1.35 "Bricolage Grotesque",sans-serif;max-width:40ch}
.hvc .jeff-grid p{color:#B9C4DE}
@media (max-width:700px){.hvc .jeff-grid{grid-template-columns:1fr}.hvc .jeff-grid img{width:160px}}

/* plattegrond */
.hvc .pl-sectie{background:var(--paper);border-top:1px solid var(--line)}
.hvc .pl-kop{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:22px}
.hvc .pl-kop p{margin:0}
.hvc .pl-teller{min-width:220px;font-size:.92rem;color:var(--ink-2)}
.hvc .pl-teller b{color:var(--ink);font-size:1.05rem}
.hvc .pl-balk{height:8px;background:var(--bg);border-radius:99px;overflow:hidden;margin-top:6px}
.hvc .pl-balk i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--neon),var(--koper));transition:width .4s}
.hvc .pl-grid{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(300px,1fr);gap:22px;align-items:start}
@media (max-width:900px){.hvc .pl-grid{grid-template-columns:1fr}}
.hvc .pl-kaart{background:#F6F2EC;border-radius:24px;padding:14px;border:1px solid var(--line)}
.hvc .pl-kaart svg{width:100%;height:auto;display:block}
.hvc .pl-label{font:700 15px Figtree,sans-serif;fill:#4A5675}
.hvc .pl-kamer{transition:opacity .25s,filter .25s}
.hvc .pl-kamer.licht{filter:drop-shadow(0 0 10px rgba(232,135,58,.75))}
.hvc .pl-hot{cursor:pointer;outline:none}
.hvc .pl-stip{fill:var(--koper);stroke:#fff;stroke-width:3}
.hvc .pl-puls{fill:var(--koper);opacity:.35;transform-origin:center;transform-box:fill-box;animation:plpuls 2.2s ease-out infinite}
.hvc .pl-plus{stroke:#fff;stroke-width:3;stroke-linecap:round}
.hvc .pl-vink{fill:none;stroke:#fff;stroke-width:3;stroke-linecap:round;stroke-linejoin:round;display:none}
.hvc .pl-hot.gezien .pl-stip{fill:var(--groen)}.hvc .pl-hot.gezien .pl-puls{display:none}.hvc .pl-hot.gezien .pl-plus{display:none}.hvc .pl-hot.gezien .pl-vink{display:block}
.hvc .pl-hot.actief .pl-stip{fill:var(--haven);stroke:var(--koper);stroke-width:4}
.hvc .pl-hot:hover .pl-stip,.hvc .pl-hot:focus-visible .pl-stip{stroke:var(--neon);stroke-width:4}
@keyframes plpuls{0%{transform:scale(1);opacity:.45}100%{transform:scale(2.3);opacity:0}}
.hvc .pl-neon{animation:plneon 3s ease-in-out infinite}
@keyframes plneon{0%,100%{opacity:1}50%{opacity:.55}}
@media (prefers-reduced-motion:reduce){.hvc .pl-puls,.hvc .pl-neon{animation:none}}
.hvc .pl-paneel{background:var(--haven);color:#fff;border-radius:24px;padding:24px;min-height:420px;position:sticky;top:110px}
.hvc .pl-leeg{text-align:center;padding:40px 10px}
.hvc .pl-leeg .muted{color:#B9C4DE}
.hvc .pl-icoon{font-size:2.4rem;display:block;margin-bottom:10px}
.hvc .pl-plek{display:inline-block;background:var(--koper);color:#fff;font-weight:700;font-size:.85rem;padding:6px 12px;border-radius:99px;margin-bottom:12px}
.hvc .pl-inhoud h3{font-size:1.25rem;margin-bottom:6px}
.hvc .pl-inhoud h4{font-size:.95rem;color:var(--neon);margin:16px 0 8px}
.hvc .pl-inhoud p{color:#D5DDF0;margin:0}
.hvc .pl-chips{display:flex;flex-wrap:wrap;gap:6px}
.hvc .pl-chips a{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);color:#fff;text-decoration:none;padding:7px 12px;border-radius:99px;font-weight:600;font-size:.9rem}
.hvc .pl-chips a:hover{background:var(--koper);border-color:var(--koper)}
.hvc .pl-tip{background:rgba(51,214,227,.1);border-left:3px solid var(--neon);padding:10px 12px;border-radius:0 10px 10px 0}
.hvc .pl-kost{margin-top:16px;background:rgba(228,71,60,.15);border-radius:12px;padding:12px}
.hvc .pl-kost span{display:block;font-size:.82rem;color:#FFB4AC}
.hvc .pl-kost b{font-size:1rem}
.hvc .pl-volgende{margin-top:18px;color:#fff;border-color:rgba(255,255,255,.4)}
.hvc .pl-klaar{margin-top:18px;background:rgba(47,191,113,.15);border-radius:14px;padding:14px;display:grid;gap:10px}

/* preventie */
.hvc .cijfers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;border-top:2px solid var(--line);border-bottom:2px solid var(--line);padding:22px 0}
.hvc .cijfers div{padding-left:18px;border-left:4px solid var(--koper)}
.hvc .cijfers b{display:block;font:800 clamp(2.2rem,5vw,3.4rem)/1 "Bricolage Grotesque",sans-serif;color:var(--ink)}
.hvc .cijfers span{color:var(--ink-2)}
@media (max-width:700px){.hvc .cijfers{grid-template-columns:1fr}}
.hvc .zorgen{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:22px}
.hvc .zorgen>div{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:18px}
.hvc .z-nr{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--haven);color:#fff;font:800 1rem "Bricolage Grotesque",sans-serif;margin-bottom:10px}
.hvc .zorgen h3{font-size:1.05rem}.hvc .zorgen p{font-size:.92rem;color:var(--ink-2);margin:0}
@media (max-width:1000px){.hvc .zorgen{grid-template-columns:1fr 1fr}}@media (max-width:560px){.hvc .zorgen{grid-template-columns:1fr}}
.hvc .risicokaart{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}
.hvc .rk{border-radius:20px;padding:22px;background:var(--bg);border-top:6px solid}
.hvc .rk-groot{border-color:var(--rood)}.hvc .rk-vaak{border-color:var(--neon)}.hvc .rk-aansp{border-color:var(--koper)}
.hvc .rk-label{font-weight:700;font-size:.85rem;color:var(--ink-2)}
.hvc .rk h3{margin:6px 0 10px}
.hvc .rk ul{margin:0;padding:0;list-style:none}.hvc .rk li{padding:6px 0 6px 26px;position:relative;border-top:1px solid var(--line)}.hvc .rk li:first-child{border-top:0}
.hvc .rk li::before{content:"✓";position:absolute;left:2px;color:var(--koper-d);font-weight:800}
@media (max-width:860px){.hvc .risicokaart{grid-template-columns:1fr}}
.hvc .echte-pijn{margin-top:22px;background:var(--haven);color:#fff;border-radius:20px;padding:24px}
.hvc .echte-pijn h3{font-size:1.5rem;color:#fff}.hvc .echte-pijn p{color:#D5DDF0;margin:0}
.hvc .watals{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}
.hvc .wa{text-align:left;border:2px solid var(--line);background:var(--paper);border-radius:18px;padding:20px;cursor:pointer;font:700 1.1rem/1.35 "Bricolage Grotesque",sans-serif;color:var(--ink)}
.hvc .wa span{display:block;font:700 .85rem Figtree,sans-serif;color:var(--koper-d);margin-bottom:4px}
.hvc .wa:hover,.hvc .wa.on{border-color:var(--koper);box-shadow:0 0 0 3px rgba(232,135,58,.2)}
.hvc .wa.on{background:var(--haven);color:#fff}.hvc .wa.on span{color:var(--neon)}
@media (max-width:800px){.hvc .watals{grid-template-columns:1fr}}
.hvc .wa-uitleg{display:none;margin-top:16px;grid-template-columns:1fr 1fr;gap:16px}
.hvc .wa-uitleg.open{display:grid}
.hvc .wa-kol{border-radius:18px;padding:20px}
.hvc .wa-kol h4{margin-bottom:10px;font-size:1.05rem}
.hvc .wa-kol ol{margin:0;padding-left:1.2em}.hvc .wa-kol li{margin-bottom:6px}
.hvc .wa-zonder{background:#FDECEA;color:#5B1610}.hvc .wa-met{background:#E8F7EF;color:#0F3D23}
.hvc .wa-met a{color:#1D7A49;font-weight:700}
@media (max-width:800px){.hvc .wa-uitleg.open{grid-template-columns:1fr}}
.hvc .ladder-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
@media (max-width:900px){.hvc .ladder-grid{grid-template-columns:1fr}}
.hvc .ladder-quote{margin:20px 0;font:700 1.35rem/1.35 "Bricolage Grotesque",sans-serif;border-left:4px solid var(--koper);padding-left:16px}
.hvc .ladder-quote cite{display:block;font:500 .9rem Figtree,sans-serif;color:var(--ink-2);margin-top:6px;font-style:normal}
.hvc .ladder-score{background:var(--haven);color:#fff;border-radius:18px;padding:18px;position:sticky;top:110px}
.hvc .ladder-score b{display:block;font:800 1.6rem "Bricolage Grotesque",sans-serif}.hvc .ladder-score span{color:#B9C4DE}
.hvc .ladder-score .pl-balk{background:rgba(255,255,255,.15);margin-top:12px}
.hvc .ladder{display:flex;flex-direction:column-reverse;gap:12px}
.hvc .trede{background:var(--bg);border-radius:18px;padding:16px 18px;border:2px solid var(--line);position:relative}
.hvc .trede h3{display:flex;align-items:center;gap:10px;font-size:1.15rem}
.hvc .trede h3 span{width:32px;height:32px;border-radius:10px;background:var(--line);display:grid;place-items:center;font-size:1rem}
.hvc .trede label{display:flex;gap:10px;align-items:flex-start;padding:7px 0;cursor:pointer;font-size:.97rem}
.hvc .trede input{margin-top:4px;width:18px;height:18px;accent-color:var(--groen)}
.hvc .trede.klaar{border-color:var(--groen);background:#F0FAF4}.hvc .trede.klaar h3 span{background:var(--groen);color:#fff}
.hvc .plichten td:nth-child(2){white-space:nowrap}
.hvc .tag-wet,.hvc .tag-verz{display:inline-block;padding:4px 10px;border-radius:99px;font-weight:700;font-size:.8rem}
.hvc .tag-wet{background:var(--haven);color:#fff}.hvc .tag-verz{background:#FDF0E5;color:#9A4E12}
.hvc ol.tips{counter-reset:t;list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 30px;margin-top:20px}
.hvc ol.tips li{counter-increment:t;position:relative;padding-left:48px;color:var(--ink-2)}
.hvc ol.tips li::before{content:counter(t);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--koper);color:#fff;display:grid;place-items:center;font:800 1rem "Bricolage Grotesque",sans-serif}
.hvc ol.tips b{color:var(--ink);display:block}
@media (max-width:760px){.hvc ol.tips{grid-template-columns:1fr}}
.hvc .prev-teaser{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;background:var(--bg);border-radius:22px;padding:26px 28px;border-left:6px solid var(--groen)}
.hvc .prev-teaser h2{font-size:1.6rem;margin-bottom:6px}.hvc .prev-teaser p{margin:0}

/* menu: meer + schade */
.hvc nav.menu a.schade-link{color:var(--rood)}
.hvc nav.menu a.schade-link.actief{background:var(--rood);color:#fff;box-shadow:none}
.hvc .meer{position:relative}
.hvc .meer-knop{background:none;border:0;font:600 .88rem Figtree,sans-serif;color:var(--ink-2);padding:9px 18px 9px 6px;border-radius:10px;cursor:pointer;position:relative}
.hvc .meer-knop::after{content:"";position:absolute;right:6px;top:50%;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-70%) rotate(45deg)}
.hvc .meer-knop.actief{color:var(--ink);background:var(--bg);box-shadow:inset 0 -3px 0 var(--koper);font-weight:700}
.hvc .meer-lijst{display:none;position:absolute;right:0;top:100%;background:var(--paper);border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px -16px rgba(19,32,63,.4);padding:8px;min-width:200px;z-index:60}
.hvc .meer:hover .meer-lijst,.hvc .meer:focus-within .meer-lijst,.hvc .meer.open .meer-lijst{display:grid}
.hvc .meer-lijst a{padding:10px 12px!important}
@media (max-width:1320px){.hvc .meer-knop{display:none}.hvc .meer-lijst{display:grid;position:static;border:0;box-shadow:none;padding:0;min-width:0}}
.hvc .topbar .top-schade{color:#FFB4AC}
/* schade */
.hvc .sch-stappen{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:22px}
.hvc .sch-stappen span{background:var(--bg);border-radius:99px;padding:6px 12px;font-size:.82rem;font-weight:700;color:var(--ink-2)}
.hvc .v-lab{display:block;font-weight:600;font-size:.94rem;margin-bottom:8px}
.hvc .sch-soort{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:8px}
.hvc .sch-soort label{cursor:pointer}
.hvc .sch-soort input{position:absolute;opacity:0;pointer-events:none}
.hvc .sch-soort span{display:block;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;font-weight:600;font-size:.94rem;transition:all .15s}
.hvc .sch-soort input:checked+span{background:var(--haven);color:#fff;border-color:var(--haven);box-shadow:0 0 0 3px rgba(232,135,58,.3)}
.hvc .sch-soort input:focus-visible+span{outline:3px solid var(--neon)}
.hvc .verborgen{display:none!important}
.hvc .handtekening-vak{display:flex;gap:10px;align-items:flex-end;flex-wrap:wrap}
.hvc .handtekening-vak canvas{border:1.5px dashed var(--line);border-radius:12px;background:#fff;width:100%;max-width:420px;height:130px;touch-action:none;cursor:crosshair}
.hvc .sch-klaar{margin-top:16px;background:#E8F7EF;border-radius:16px;padding:18px;color:#14552F}
.hvc .sch-klaar h3{color:#14552F;margin-bottom:6px}
/* downloads */
.hvc .dl-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.hvc .dl-tabs button{border:1.5px solid var(--line);background:var(--paper);border-radius:99px;padding:9px 16px;font:600 .92rem Figtree,sans-serif;cursor:pointer;color:var(--ink)}
.hvc .dl-tabs button.on{background:var(--haven);color:#fff;border-color:var(--haven)}
.hvc .dl-groep{margin-bottom:34px}
.hvc .dl-kop{display:flex;align-items:center;gap:16px;margin-bottom:16px;padding-bottom:10px;border-bottom:3px solid var(--koper)}
.hvc .dl-kop h2{font-size:1.6rem;margin:0}
.hvc .dl-logo{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 12px;height:52px;display:grid;place-items:center}
.hvc .dl-logo img{max-height:38px;width:auto}
.hvc .dl-oud{opacity:.8}
.hvc .dl-tag{font:600 .72rem Figtree,sans-serif;background:var(--bg);color:var(--ink-2);border-radius:99px;padding:2px 8px;vertical-align:middle;font-style:normal}

.hvc #downloadlijst h2.groep{font-size:1.6rem;margin-top:10px}
.hvc .dl-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:10px}
@media (max-width:900px){.hvc .dl-grid{grid-template-columns:1fr}}
.hvc .dl{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px;display:flex;flex-direction:column;gap:8px}
.hvc .dl-ico{width:44px;height:52px;border-radius:8px;background:var(--rood);color:#fff;display:grid;place-items:center;font:800 .78rem Figtree,sans-serif;position:relative}
.hvc .dl-ico.link{background:#7B5EA7}
.hvc .dl h3{font-size:1.1rem;margin:4px 0 0}
.hvc .dl p{color:var(--ink-2);font-size:.94rem;margin:0;flex:1}
.hvc .dl small{color:var(--ink-2);font-size:.82rem}
.hvc .dl .btn{align-self:flex-start;margin-top:6px}
.hvc .dl-ai{margin-top:30px;background:var(--haven);color:#fff;border-radius:22px;padding:26px;display:flex;justify-content:space-between;gap:20px;align-items:center;flex-wrap:wrap}
.hvc .dl-ai .muted{color:#B9C4DE;margin:0}

/* CMS-snelkoppeling */
.cms-bar{position:fixed;left:16px;bottom:16px;z-index:200;display:flex;align-items:center;gap:4px;flex-wrap:wrap;background:#0B1430;color:#fff;border:1px solid #3A4B78;border-radius:14px;padding:6px 8px;box-shadow:0 14px 30px -10px rgba(0,0,0,.5);font:600 .86rem Figtree,sans-serif;max-width:calc(100vw - 32px)}
.cms-bar b{background:var(--koper);border-radius:8px;padding:5px 9px;margin-right:4px}
.cms-bar a{color:#fff;text-decoration:none;padding:6px 9px;border-radius:8px}.cms-bar a:hover{background:#22305A}
.cms-bar i{font-style:normal;background:var(--rood);border-radius:99px;padding:1px 7px;margin-left:3px;font-size:.78rem}
.cms-bar button{background:none;border:0;color:#B9C4DE;font-size:1.1rem;cursor:pointer;padding:4px 8px}
@media (max-width:760px){.cms-bar{bottom:84px}}

/* Sjef: adres opzoeken */
.hvc .adresrij{flex-wrap:wrap}
.hvc .adres-fout{color:var(--ink-2);font-size:.92rem;margin:6px 0 0;min-height:1.2em}
.hvc .adreskaart{display:grid;grid-template-columns:180px 1fr;gap:12px;align-items:center;background:var(--bg);border-radius:14px;padding:10px;margin-bottom:10px}
.hvc .adreskaart .lf{position:relative;border-radius:10px;overflow:hidden;aspect-ratio:3/2;background:#cfd6e3}
.hvc .adreskaart .lf img{width:100%;height:100%;object-fit:cover;display:block}
.hvc .adreskaart .pin{position:absolute;left:50%;top:50%;width:18px;height:18px;margin:-18px 0 0 -9px;background:var(--koper);border:3px solid #fff;border-radius:50% 50% 50% 0;transform:rotate(-45deg);box-shadow:0 2px 6px rgba(0,0,0,.4)}
.hvc .adreskaart small{color:var(--ink-2)}
.hvc .adreskaart a{color:var(--koper-d);font-weight:700;font-size:.9rem}
@media (max-width:520px){.hvc .adreskaart{grid-template-columns:1fr}}

.hvc details.waarom{margin:0 0 10px;font-size:.9rem;color:var(--ink-2)}
.hvc details.waarom summary{cursor:pointer;font-weight:700;color:var(--koper-d);list-style:none;display:inline-flex;align-items:center;gap:6px}
.hvc details.waarom summary::before{content:"?";display:inline-grid;place-items:center;width:20px;height:20px;border-radius:50%;background:var(--koper);color:#fff;font-size:.8rem}
.hvc details.waarom summary::-webkit-details-marker{display:none}
.hvc details.waarom p{margin:6px 0 0;background:var(--bg);border-radius:12px;padding:10px 12px}
.hvc .samenvat ul{margin:6px 0 0;padding-left:1.1em;font-size:.92rem}
.hvc .leestekst{max-width:780px}.hvc .leestekst h2{font-size:1.4rem;margin-top:28px}.hvc .leestekst p{color:var(--ink-2);line-height:1.65}

/* mobiel: niets breder dan het scherm */
.hvc .team>*,.hvc [class*="-grid"]>*,.hvc .voorbeelden>*,.hvc .dl-grid>*{min-width:0}
.hvc h1,.hvc h2,.hvc h3{overflow-wrap:break-word;-webkit-hyphens:auto;hyphens:auto}
.hvc .verz-kop>*,.hvc .dl-kop>*,.hvc .kaarten>*{min-width:0}
@media (max-width:480px){.hvc .verz-kop h2,.hvc .dl-kop h2,.hvc .kaart h3{overflow-wrap:anywhere}}
.hvc .dl-kop{flex-wrap:wrap}
.hvc .prose table{display:block;max-width:100%;overflow-x:auto}
@media (max-width:760px){.hvc .info-grid,.hvc .blog-grid{grid-template-columns:minmax(0,1fr)!important}}
.hvc em.vg{font:700 .74rem Figtree,sans-serif;font-style:normal;border-radius:99px;padding:2px 8px;margin-left:6px;vertical-align:middle;white-space:nowrap}
.hvc em.vg.heeft{background:#E8F7EF;color:#1D7A49}.hvc em.vg.mist{background:#FDECEA;color:#8A1F17}.hvc em.vg.dubbel{background:#FDF0E5;color:#9A4E12}
.hvc .vg-samen{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;margin:0 0 14px}
.hvc .vg-samen div{background:#E8F7EF;color:#14552F;border-radius:14px;padding:12px;font-weight:600;font-size:.9rem}
.hvc .vg-samen div.m{background:#FDECEA;color:#8A1F17}.hvc .vg-samen div.d{background:#FDF0E5;color:#7A3D0C}.hvc .vg-samen div.p{background:var(--bg);color:var(--ink)}
.hvc .vg-samen b{display:block;font:800 1.4rem "Bricolage Grotesque",sans-serif}

/* Uitleg boven Sjef */
.hvc .sjef-uitleg{padding:34px 0 8px;background:var(--paper)}
.hvc .su-kop{max-width:760px;margin-bottom:18px}.hvc .su-kop h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:6px}.hvc .su-kop p{color:var(--ink-2);margin:0}
.hvc .su-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}
.hvc .su{background:var(--bg);border-radius:18px;padding:16px;display:flex;flex-direction:column;gap:8px;border-top:4px solid var(--koper)}
.hvc .su:nth-child(2){border-top-color:var(--neon)}.hvc .su:nth-child(3){border-top-color:var(--haven)}.hvc .su:nth-child(4){border-top-color:var(--groen)}.hvc .su:nth-child(5){border-top-color:var(--koper-d)}
.hvc .su-ico{font-size:1.6rem;line-height:1}
.hvc .su h3{font-size:1.02rem;margin:0 0 4px}.hvc .su p{font-size:.9rem;color:var(--ink-2);margin:0;line-height:1.45}
.hvc .su-voordelen{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:14px;font-weight:700;font-size:.92rem;color:var(--ink)}
.hvc .su-voordelen span{white-space:nowrap}
@media (max-width:1100px){.hvc .su-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:700px){.hvc .sjef-uitleg{padding:22px 0 4px}.hvc .su-grid{grid-template-columns:minmax(0,1fr);gap:8px}.hvc .su{flex-direction:row;align-items:flex-start;padding:12px 14px;border-top:0;border-left:4px solid var(--koper)}.hvc .su:nth-child(2){border-left-color:var(--neon)}.hvc .su:nth-child(3){border-left-color:var(--haven)}.hvc .su:nth-child(4){border-left-color:var(--groen)}.hvc .su:nth-child(5){border-left-color:var(--koper-d)}.hvc .su-voordelen{font-size:.85rem}.hvc .su-voordelen span{white-space:normal}}
.hvc .premie-rij{align-items:center;flex-wrap:wrap}
.hvc .premie-rij .euro-voor{font-weight:800;font-size:1.2rem;color:var(--ink)}
.hvc .premie-rij .per-jaar{color:var(--ink-2);font-weight:600}
.hvc .premie-rij .invoer{max-width:200px}
.hvc .invoer.fout-in{border-color:var(--rood)}
/* SJEF mascotte animatie */
.hvc .sjef .oog{animation:knipper 4.5s infinite;transform-origin:center;transform-box:fill-box}
@keyframes knipper{0%,93%,100%{transform:scaleY(1)}95%{transform:scaleY(.1)}}
.hvc .sjef .arm{transform-origin:78% 88%;transform-box:fill-box;animation:zwaai 2.6s ease-in-out 1s 2}
@keyframes zwaai{0%,100%{transform:rotate(0)}20%{transform:rotate(-14deg)}40%{transform:rotate(8deg)}60%{transform:rotate(-12deg)}80%{transform:rotate(4deg)}}
.hvc .sjef .mond-open{opacity:0}
.hvc .sjef.praat .mond-open{animation:praat .32s infinite alternate}
.hvc .sjef.praat .mond-dicht{animation:praat2 .32s infinite alternate}
@keyframes praat{from{opacity:0}to{opacity:1}}
@keyframes praat2{from{opacity:1}to{opacity:0}}
@media (prefers-reduced-motion:reduce){.hvc .sjef .oog,.hvc .sjef .arm,.hvc .sjef.praat .mond-open,.hvc .sjef.praat .mond-dicht{animation:none}}
@media print{.hvc header.kop,.hvc .topbar,.hvc footer,.hvc .mob-cta,.hvc .ai-zij,.hvc .antw,.hvc .rap-acties,.hvc .pagekop{display:none!important}.hvc .ai-shell{display:block}.hvc .chat{border:0}}