/* ============================================================
   Houben Hypotheken & Verzekeringen — huisstijl
   Rustig, betrouwbaar. Navy #1c3f95 op warm wit, serif-koppen,
   hexagon-motief uit de akoestiekpanelen van het kantoor.
   ============================================================ */

:root {
  --navy: #1c3f95;
  --navy-deep: #142c68;
  --navy-ink: #0e1f4a;
  --blue: #0071b9;
  --sky: #e8f0fb;
  --mist: #f5f7fb;
  --paper: #ffffff;
  --ink: #232a3d;
  --ink-soft: #4d5670;
  --line: #dde3ef;
  --wood: #b9915f;
  --ok: #1c7c3c;
  --err: #b3261e;
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Source Sans 3", "Segoe UI", sans-serif;
  --radius: 16px;
  --shadow: 0 10px 30px -12px rgba(20, 44, 104, .18);
  --shadow-soft: 0 4px 16px -8px rgba(20, 44, 104, .14);
  --wrap: 1140px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }

h1, h2, h3, .serif {
  font-family: var(--serif);
  color: var(--navy-ink);
  line-height: 1.18;
  font-weight: 700;
  letter-spacing: -.01em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.15rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.15rem); }
h3 { font-size: 1.25rem; }
h4 { font-family: var(--sans); font-size: 1.05rem; color: var(--navy-ink); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }

.skip-link {
  position: absolute; left: -999px; top: 8px; z-index: 200;
  background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 8px;
}
.skip-link:focus { left: 8px; }

/* ---------- knoppen ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--sans); font-weight: 600; font-size: 1rem;
  padding: 13px 26px; border-radius: 999px; text-decoration: none;
  border: 2px solid transparent; cursor: pointer; white-space: nowrap;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
}
.btn:active { transform: translateY(1px); }
.btn-solid { background: var(--navy); color: #fff; box-shadow: var(--shadow-soft); }
.btn-solid:hover { background: var(--navy-deep); color: #fff; box-shadow: var(--shadow); transform: translateY(-1px); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--sky); color: var(--navy-deep); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--sky); color: var(--navy-deep); transform: translateY(-1px); }
.btn-ghost { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); color: #fff; }

/* ---------- navigatie ---------- */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.94); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; gap: 18px; height: 78px; }
.nav-logo img { width: auto; height: 40px; }
.nav-links { display: flex; align-items: center; gap: 2px; margin-left: auto; }
.nav-links > a, .nav-drop-trigger {
  font-weight: 600; font-size: .96rem; color: var(--ink); text-decoration: none;
  padding: 10px 11px; border-radius: 10px; display: inline-block; white-space: nowrap;
}
.nav-links > a:hover, .nav-drop:hover .nav-drop-trigger { background: var(--sky); color: var(--navy); }
.nav-drop { position: relative; }
.nav-drop-menu {
  position: absolute; top: 100%; left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
}
.nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-drop-menu a {
  display: block; padding: 9px 14px; border-radius: 9px;
  color: var(--ink); text-decoration: none; font-size: .96rem;
}
.nav-drop-menu a:hover { background: var(--sky); color: var(--navy); }
.nav-right { display: flex; align-items: center; gap: 16px; }
.nav-phone {
  display: inline-flex; align-items: center; gap: 7px;
  color: var(--navy); font-weight: 700; text-decoration: none; font-size: .98rem;
  white-space: nowrap;
}
.nav-cta { padding: 11px 18px; font-size: .95rem; }
.nav-burger { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-burger span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: .2s; }

.mobile-menu {
  position: fixed; inset: 0; z-index: 150; background: var(--navy-ink);
  padding: 90px 32px 32px; overflow-y: auto;
}
.mobile-menu nav { display: flex; flex-direction: column; gap: 2px; }
.mobile-menu a {
  color: #fff; text-decoration: none; font-size: 1.25rem; font-weight: 600;
  padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.08);
}
.mobile-menu a.mm-sub { font-size: 1rem; font-weight: 400; padding-left: 18px; opacity: .85; }
.mobile-menu .mm-cta { border: 0; margin-top: 24px; justify-content: center; }
body.menu-open { overflow: hidden; }
body.menu-open .site-nav { z-index: 170; background: transparent; border-color: transparent; }
body.menu-open .nav-logo, body.menu-open .nav-phone, body.menu-open .nav-cta { visibility: hidden; }
body.menu-open .nav-burger span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
body.menu-open .nav-burger span:nth-child(2) { opacity: 0; }
body.menu-open .nav-burger span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
body.menu-open .nav-burger { position: relative; z-index: 160; }
body.menu-open .nav-burger span { background: #fff; }

/* ---------- hexagon-decoratie ---------- */
.hex-bg { position: relative; overflow: hidden; }
.hex-bg::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg width='84' height='96' viewBox='0 0 84 96' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M42 2l34 20v40L42 82 8 62V22z' fill='none' stroke='%231c3f95' stroke-opacity='.07' stroke-width='1.5'/%3E%3C/svg%3E");
  background-size: 84px 96px;
  -webkit-mask-image: linear-gradient(115deg, transparent 46%, #000 78%);
  mask-image: linear-gradient(115deg, transparent 46%, #000 78%);
}
.hex-accent { position: relative; }
.hex-accent::after {
  content: ""; position: absolute; width: 118px; height: 132px; z-index: -1;
  background-image: url("data:image/svg+xml,%3Csvg width='118' height='132' viewBox='0 0 118 132' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M59 4l48 28v56L59 116 11 88V32z' fill='%231c3f95' fill-opacity='.1'/%3E%3C/svg%3E");
  background-size: contain; background-repeat: no-repeat;
}

/* ---------- hero ---------- */
.hero { background: linear-gradient(180deg, var(--mist), #fff); padding: 72px 0 84px; }
.hero-inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-size: .85rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--blue); }
.hero p.lead { font-size: 1.2rem; color: var(--ink-soft); margin: 20px 0 30px; max-width: 34em; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { display: flex; gap: 26px; flex-wrap: wrap; margin-top: 34px; }
.hero-trust-item { display: flex; align-items: center; gap: 8px; font-size: .94rem; font-weight: 600; color: var(--ink-soft); }
.hero-trust-item svg { color: var(--navy); flex: none; }

.hero-visual { position: relative; }
.hero-photo {
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
  aspect-ratio: 5 / 4;
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-visual .hex-accent::after { top: -34px; right: -30px; }
.hero-badge {
  position: absolute; left: -22px; bottom: 26px;
  background: #fff; border-radius: 14px; box-shadow: var(--shadow);
  padding: 14px 20px; display: flex; align-items: center; gap: 12px;
}
.hero-badge-num { font-family: var(--serif); font-size: 1.9rem; font-weight: 700; color: var(--navy); line-height: 1; }
.hero-badge-lbl { font-size: .86rem; color: var(--ink-soft); line-height: 1.3; }

/* ---------- secties ---------- */
section { padding: 76px 0; }
section.tight { padding: 56px 0; }
.sec-mist { background: var(--mist); }
.sec-navy { background: var(--navy-ink); }
.sec-navy h2, .sec-navy h3 { color: #fff; }
.sec-navy p { color: #c6d0e8; }
.sec-head { max-width: 640px; margin-bottom: 44px; }
.sec-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.sec-head.center .eyebrow { justify-content: center; }
.sec-head p { color: var(--ink-soft); margin-top: 14px; font-size: 1.1rem; }

/* ---------- kaarten ---------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card-grid.two { grid-template-columns: repeat(2, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 28px; transition: transform .2s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card h3 { margin: 16px 0 10px; }
.card p { color: var(--ink-soft); font-size: .99rem; }
.card .card-link {
  display: inline-flex; align-items: center; gap: 6px; margin-top: 16px;
  font-weight: 700; color: var(--navy); text-decoration: none; font-size: .97rem;
}
.card .card-link::after { content: "\2192"; transition: transform .18s; }
.card:hover .card-link::after { transform: translateX(4px); }
.card-icon {
  width: 52px; height: 58px; display: grid; place-items: center;
  background: var(--sky); color: var(--navy);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
}
a.card { display: block; text-decoration: none; color: inherit; }

/* ---------- fotokaders ---------- */
.photo-frame { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.photo-frame img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- split (tekst + foto) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split .photo-frame { aspect-ratio: 4 / 3; }
/* liggende bronfoto's tonen we op hun eigen 3:2, zodat er niets wegvalt */
.split .photo-frame.photo-wide { aspect-ratio: 3 / 2; }
.split h2 { margin-bottom: 16px; }
.split p + p { margin-top: 14px; }
.split p { color: var(--ink-soft); }
.split .btn { margin-top: 26px; }
.split-visual { position: relative; }
.split-visual.hex-accent::after { bottom: -30px; left: -30px; }

/* ---------- stappen ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: stap; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 28px; position: relative; counter-increment: stap;
}
.step::before {
  content: counter(stap, decimal-leading-zero);
  font-family: var(--serif); font-size: 2.6rem; font-weight: 700;
  color: var(--sky); -webkit-text-stroke: 1.5px var(--navy);
  position: absolute; top: 20px; right: 24px; line-height: 1;
}
.step h3 { margin-bottom: 10px; max-width: 75%; }
.step p { color: var(--ink-soft); font-size: .98rem; }

/* ---------- kernwaarden / usp-band ---------- */
.usp-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.usp { display: flex; flex-direction: column; gap: 10px; padding: 26px 24px; border-radius: var(--radius); background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); }
.usp svg { color: #8fb2ff; }
.usp h3 { font-size: 1.08rem; }
.usp p { font-size: .94rem; }

/* ---------- faq ---------- */
.faq { max-width: 780px; margin: 0 auto; }
.faq dt { border-top: 1px solid var(--line); }
.faq dt:first-child { border-top: 0; }
.faq dt button, .faq dt .faq-q {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  font-family: var(--sans); font-size: 1.1rem; font-weight: 700; color: var(--navy-ink);
  padding: 20px 44px 20px 0; position: relative; display: block;
}
.faq dt .faq-q::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--navy); transition: transform .2s;
}
.faq dt.open .faq-q::after { content: "\2212"; }
.faq dd { display: none; padding: 0 0 22px; color: var(--ink-soft); max-width: 62em; }
.faq dd p + p { margin-top: 10px; }
.faq dt.open + dd { display: block; }

/* ---------- artikel / tekstpagina ---------- */
.page-hero { background: linear-gradient(180deg, var(--mist), #fff); padding: 58px 0 46px; }
.breadcrumbs { font-size: .88rem; color: var(--ink-soft); margin-bottom: 18px; }
.breadcrumbs a { color: var(--ink-soft); text-decoration: none; }
.breadcrumbs a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumbs span[aria-hidden] { margin: 0 7px; }
.page-hero p.lead { font-size: 1.18rem; color: var(--ink-soft); margin-top: 16px; max-width: 40em; }
.page-hero-split { padding: 34px 0 40px; }
.page-hero-split .wrap { display: grid; grid-template-columns: minmax(0, 1fr) 400px; gap: 52px; align-items: center; }
.page-hero-split .hero-img { aspect-ratio: 16 / 10; }

.prose { max-width: 720px; }
.prose h2 { margin: 44px 0 14px; font-size: 1.6rem; }
.prose h3 { margin: 30px 0 10px; }
.prose p + p { margin-top: 14px; }
.prose ul, .prose ol { margin: 14px 0 14px 22px; }
.prose li { margin-bottom: 7px; }
.prose li::marker { color: var(--navy); }

.content-cols { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 60px; align-items: start; }
.side-card {
  background: var(--mist); border-radius: var(--radius); padding: 28px;
  position: sticky; top: 100px;
}
.side-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.side-card p { font-size: .95rem; color: var(--ink-soft); }
.side-card .btn { margin-top: 16px; width: 100%; justify-content: center; }
.side-card .side-phone { display: block; margin-top: 14px; text-align: center; font-weight: 700; color: var(--navy); text-decoration: none; }
.side-links { list-style: none; margin: 0; padding: 0; }
.side-links li { border-bottom: 1px solid var(--line); }
.side-links li:last-child { border: 0; }
.side-links a { display: block; padding: 10px 2px; text-decoration: none; color: var(--ink); font-weight: 600; font-size: .96rem; }
.side-links a:hover { color: var(--navy); padding-left: 6px; transition: .15s; }
.side-links a[aria-current] { color: var(--navy); }

.page-topimg { aspect-ratio: 16 / 8.5; margin-bottom: 30px; }

.team-portraits { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-content: start; }
.team-portraits .photo-frame { aspect-ratio: 3 / 4; }
.team-portraits .photo-frame.team-span { grid-column: 1 / -1; aspect-ratio: 4 / 3; }

/* ---------- infoblokken ---------- */
.note {
  background: var(--sky); border-left: 4px solid var(--navy);
  border-radius: 0 12px 12px 0; padding: 18px 22px; margin: 22px 0;
}
.note p { color: var(--ink); font-size: .98rem; }
.plus-min { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 18px 0; }
.plus-min > div { border: 1px solid var(--line); border-radius: 12px; padding: 20px 22px; background: #fff; }
.plus-min h4 { margin-bottom: 8px; }
.plus-min ul { margin: 0 0 0 20px; }
.plus-min li { font-size: .96rem; color: var(--ink-soft); }

/* ---------- cta-band + footer ---------- */
.cta-band { background: linear-gradient(120deg, var(--navy), var(--navy-deep)); padding: 58px 0; position: relative; overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='84' height='96' viewBox='0 0 84 96' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M42 2l34 20v40L42 82 8 62V22z' fill='none' stroke='%23ffffff' stroke-opacity='.09' stroke-width='1.5'/%3E%3C/svg%3E");
  background-size: 84px 96px;
}
.cta-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 36px; position: relative; }
.cta-band h2 { color: #fff; font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
.cta-band p { color: #c6d0e8; margin-top: 8px; }
.cta-band-actions { display: flex; gap: 14px; flex: none; flex-wrap: wrap; }

.site-footer { background: var(--navy-ink); color: #aab6d4; padding: 64px 0 34px; font-size: .96rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; }
.footer-col h3 { color: #fff; font-family: var(--sans); font-size: .95rem; letter-spacing: .05em; text-transform: uppercase; margin-bottom: 14px; }
.footer-col a { display: block; color: #aab6d4; text-decoration: none; padding: 4px 0; }
.footer-col a:hover { color: #fff; }
.footer-brand img { height: 40px; width: auto; margin-bottom: 16px; }
.footer-brand p { max-width: 30em; }
.footer-hours { margin-top: 10px; font-size: .9rem; }
address { font-style: normal; }
address a { display: inline !important; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); margin-top: 44px; padding-top: 24px;
  display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap; font-size: .86rem;
}
.footer-bottom a { color: #aab6d4; }

/* ---------- formulieren ---------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-soft); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-weight: 600; font-size: .95rem; color: var(--navy-ink); }
.form-field input, .form-field textarea {
  font: inherit; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px;
  background: #fff; color: var(--ink); transition: border-color .15s;
}
.form-field input:focus, .form-field textarea:focus { outline: none; border-color: var(--navy); }
.form-note { font-size: .88rem; color: var(--ink-soft); }
.form-status { margin-top: 14px; font-weight: 600; display: none; }
.form-status.ok { color: var(--ok); display: block; }
.form-status.err { color: var(--err); display: block; }

/* ---------- nieuws ---------- */
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.news-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; text-decoration: none; color: inherit; display: flex; flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease;
}
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.news-card-img { aspect-ratio: 16 / 9; background: var(--sky); }
.news-card-img img { width: 100%; height: 100%; object-fit: cover; }
.news-card-body { padding: 20px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.news-card time { font-size: .85rem; color: var(--ink-soft); }
.news-card h3 { font-size: 1.12rem; }
.news-card p { font-size: .94rem; color: var(--ink-soft); }
.artikel-hero-img { aspect-ratio: 21 / 9; border-radius: var(--radius); overflow: hidden; margin: 30px 0; }
.artikel-hero-img img { width: 100%; height: 100%; object-fit: cover; }
.artikel-body { max-width: 720px; }
.artikel-body img { border-radius: 12px; margin: 18px 0; }
.artikel-body h2, .artikel-body h3 { margin: 32px 0 12px; }
.artikel-body p { margin: 0 0 14px; }
.artikel-body ul, .artikel-body ol { margin: 0 0 14px 22px; }

/* ---------- animaties ---------- */
@media (prefers-reduced-motion: no-preference) {
  .fade-in { opacity: 0; transform: translateY(14px); animation: fadeUp .7s ease forwards; }
  .fade-in.d2 { animation-delay: .15s; }
  .fade-in.d3 { animation-delay: .3s; }
  .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
  .reveal.on { opacity: 1; transform: none; }
}
@keyframes fadeUp { to { opacity: 1; transform: none; } }

/* ---------- responsive ---------- */
@media (max-width: 1220px) {
  .nav-phone span { display: none; }
  .nav-inner { gap: 14px; }
}
@media (max-width: 1020px) {
  .nav-links { display: none; }
  .nav-phone span { display: none; }
  .nav-burger { display: block; }
  .usp-band { grid-template-columns: repeat(2, 1fr); }
  .content-cols { grid-template-columns: 1fr; }
  .side-card { position: static; }
}
@media (max-width: 860px) {
  section { padding: 56px 0; }
  .hero { padding: 48px 0 60px; }
  .page-hero-split .wrap { grid-template-columns: 1fr; gap: 26px; }
  .page-hero-split .hero-img { aspect-ratio: 16 / 8; }
  .hero-inner, .split { grid-template-columns: 1fr; gap: 36px; }
  .split-visual { order: -1; }
  .card-grid, .card-grid.two, .steps, .news-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .cta-band-inner { flex-direction: column; align-items: flex-start; }
  .plus-min { grid-template-columns: 1fr; }
  .hero-badge { left: 12px; }
}
@media (max-width: 560px) {
  .nav-cta { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
}
.page-hero p.lead.lead-gewoon { font-size: inherit; }