/* Pandfinancier.nl — stylesheet */
:root{
  --ink:#16202a; --ink-2:#3a4652; --muted:#6a7581;
  --paper:#f7f4ee; --paper-2:#efe9df; --white:#fff;
  --brick:#b0452a; --brick-dark:#8e3620; --brick-tint:#f4e3dc;
  --sage:#2e5a4e; --sage-tint:#e2ece8;
  --line:#e2dbcf; --radius:10px;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Charter,Georgia,serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --wrap:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 var(--sans)}
img,svg{max-width:100%;display:block}
a{color:var(--brick);text-underline-offset:3px}
a:hover{color:var(--brick-dark)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.2;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,2.6vw,2.05rem);margin-top:1.6em}
h3{font-size:1.25rem;margin-top:1.4em}
p{margin:0 0 1.1em}
ul,ol{padding-left:1.25em;margin:0 0 1.2em}
li{margin-bottom:.35em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 14px;z-index:100}
.skip:focus{left:10px}

/* Top bar + header */
.topbar{background:var(--ink);color:#d9dee3;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none}
.topbar .label{opacity:.8}
header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--serif);font-size:1.35rem;font-weight:600;white-space:nowrap}
.logo svg{width:34px;height:34px}
.logo span b{color:var(--brick);font-weight:600}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:2px;align-items:center}
nav.main li{position:relative;margin:0}
nav.main a,nav.main button.dd{display:block;padding:10px 12px;color:var(--ink);text-decoration:none;font:500 15px/1.2 var(--sans);background:none;border:0;cursor:pointer;border-radius:6px}
nav.main a:hover,nav.main button.dd:hover{background:var(--paper-2)}
nav.main button.dd::after{content:"";display:inline-block;margin-left:6px;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-3px)}
nav.main .sub{display:none;position:absolute;top:100%;left:0;min-width:250px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 30px rgba(22,32,42,.12);padding:8px;flex-direction:column;align-items:stretch}
nav.main li:hover>.sub,nav.main li:focus-within>.sub,nav.main li.open>.sub{display:flex}
nav.main .sub a{padding:9px 12px;font-weight:400}
nav.main .cta a{background:var(--brick);color:#fff;margin-left:8px;padding:11px 18px}
nav.main .cta a:hover{background:var(--brick-dark);color:#fff}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:9px 12px;font:500 15px var(--sans);color:var(--ink);cursor:pointer}

@media (max-width:1020px){
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;top:72px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);max-height:calc(100vh - 72px);overflow:auto}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch;padding:10px 20px 20px}
  nav.main a,nav.main button.dd{width:100%;text-align:left;padding:13px 4px;font-size:16px}
  nav.main .sub{position:static;box-shadow:none;border:0;background:transparent;padding:0 0 6px 14px;min-width:0}
  nav.main li:hover>.sub{display:none}
  nav.main li.open>.sub{display:flex}
  nav.main .cta a{margin:10px 0 0;text-align:center}
  .topbar .label{display:none}
}

/* Buttons */
.btn{display:inline-block;padding:14px 24px;border-radius:8px;font:600 16px/1.2 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s}
.btn-primary{background:var(--brick);color:#fff}
.btn-primary:hover{background:var(--brick-dark);color:#fff}
.btn-ghost{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}

/* Hero */
.hero{padding:64px 0 56px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--paper) 0%,var(--paper-2) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.eyebrow{display:inline-block;font:600 13px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--brick);margin-bottom:16px}
.lead{font-size:1.2rem;color:var(--ink-2);max-width:620px}
.hero-sub{padding:48px 0 40px}
.hero-sub .wrap{display:block}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted)}
.trust{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:26px;font-size:15px;color:var(--ink-2);list-style:none;padding:0}
.trust li::before{content:"✓";color:var(--sage);font-weight:700;margin-right:7px}

/* Quickscan card */
.qs-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 18px 40px rgba(22,32,42,.08)}
.qs-card h2{font-size:1.35rem;margin:0 0 6px}
.qs-card p.small{color:var(--muted);font-size:14px;margin-bottom:18px}
label{display:block;font-weight:600;font-size:15px;margin:0 0 6px}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:12px 14px;border:1px solid #cfc7ba;border-radius:8px;font:16px var(--sans);background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--brick);outline-offset:1px;border-color:var(--brick)}
.field{margin-bottom:16px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.range-out{font:600 1.5rem var(--serif);color:var(--ink);margin-bottom:4px}
input[type=range]{width:100%;accent-color:var(--brick)}
.hint{font-size:13px;color:var(--muted);margin-top:4px}
.hp{position:absolute;left:-5000px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px}
.check input{margin-top:4px}

/* Sections */
section.block{padding:72px 0}
section.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.dark{background:var(--ink);color:#e4e8ec}
section.dark h2,section.dark h3{color:#fff}
.section-head{max-width:720px;margin-bottom:36px}
.section-head h2{margin-top:0}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-decoration:none;color:var(--ink);display:block;transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--brick);transform:translateY(-2px);color:var(--ink)}
.card h3{margin:0 0 8px;font-size:1.15rem}
.card p{color:var(--ink-2);font-size:15px;margin:0}
.card .more{display:inline-block;margin-top:12px;color:var(--brick);font-weight:600;font-size:15px}
.icon{width:40px;height:40px;border-radius:9px;background:var(--brick-tint);color:var(--brick);display:grid;place-items:center;margin-bottom:14px}
.icon svg{width:22px;height:22px}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps li{counter-increment:s;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:0}
.steps li::before{content:counter(s,decimal-leading-zero);display:block;font:600 1.6rem var(--serif);color:var(--brick);margin-bottom:8px}
.steps h3{margin:0 0 6px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:left}
.stats div{border-left:3px solid var(--brick);padding-left:16px}
.stats b{display:block;font:600 1.9rem var(--serif);color:#fff}
.lenders{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0}
.lenders li{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-size:14px;margin:0}

/* Content pages */
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;padding-top:56px;padding-bottom:72px}
.qs-layout{grid-template-columns:minmax(0,1.4fr) minmax(0,1fr)}
.prose{max-width:740px}
.prose h2:first-child{margin-top:0}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:15px;background:var(--white)}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--paper-2);font-weight:600}
.table-scroll{overflow-x:auto}
.callout{background:var(--sage-tint);border-left:4px solid var(--sage);padding:18px 20px;border-radius:0 var(--radius) var(--radius) 0;margin:0 0 1.4em}
.callout p:last-child{margin:0}
.example{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;margin:0 0 1.4em}
.example h3{margin-top:0;font-size:1.1rem}
.example dl{display:grid;grid-template-columns:1fr auto;gap:6px 18px;margin:0;font-size:15px}
.example dt{color:var(--ink-2)}
.example dd{margin:0;font-weight:600;text-align:right}
.example .note{font-size:13px;color:var(--muted);margin:12px 0 0}
aside.side{position:relative}
aside.side .sticky{position:sticky;top:96px;display:grid;gap:20px}
.contact-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:24px}
.contact-card h3{margin:0 0 6px;font-size:1.1rem}
.contact-card p{font-size:15px;color:var(--ink-2);margin-bottom:10px}
.contact-card a.tel{font:600 1.2rem var(--serif);color:var(--ink);text-decoration:none}
.related{list-style:none;padding:0;margin:0}
.related li{border-top:1px solid var(--line);margin:0}
.related a{display:block;padding:10px 0;text-decoration:none;color:var(--ink);font-size:15px}
.related a:hover{color:var(--brick)}

/* FAQ */
.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:600;list-style:none;position:relative;padding-right:50px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:14px;font-size:1.5rem;color:var(--brick);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 22px 18px;color:var(--ink-2)}
.faq details>div p:last-child{margin:0}

/* CTA band */
.cta-band{background:var(--brick);color:#fff;padding:56px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band p{margin:0;opacity:.9}
.cta-band .btn-primary{background:#fff;color:var(--brick)}
.cta-band .btn-primary:hover{background:var(--paper-2);color:var(--brick-dark)}

/* Tools */
.tool{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:28px;margin-bottom:28px}
.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.result{background:var(--paper);border-radius:var(--radius);padding:22px}
.result .big{font:600 2.1rem var(--serif);color:var(--brick);line-height:1.1;margin:4px 0 14px}
.result dl{display:grid;grid-template-columns:1fr auto;gap:6px 14px;margin:0 0 14px;font-size:15px}
.result dt{color:var(--ink-2)}
.result dd{margin:0;font-weight:600;text-align:right}
.disclaimer{font-size:13px;color:var(--muted)}

/* Quickscan page */
.qs-steps{display:flex;gap:8px;margin-bottom:22px}
.qs-steps span{flex:1;height:5px;border-radius:3px;background:var(--line)}
.qs-steps span.on{background:var(--brick)}
.qs-step{display:none}
.qs-step.active{display:block}
.choice{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
.choice label{border:1px solid #cfc7ba;border-radius:8px;padding:13px 14px;font-weight:500;cursor:pointer;display:flex;gap:10px;align-items:center;margin:0;background:#fff}
.choice input{accent-color:var(--brick)}
.choice label:has(input:checked){border-color:var(--brick);background:var(--brick-tint)}
.qs-nav{display:flex;justify-content:space-between;gap:12px;margin-top:10px}
.error{color:#a32020;font-size:14px;margin:6px 0 0;display:none}
.error.show{display:block}

/* Footer */
footer.site{background:var(--ink);color:#b9c2cb;font-size:15px;padding:56px 0 28px}
footer.site h4{color:#fff;font-family:var(--sans);font-size:15px;letter-spacing:.04em;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#dfe4e8;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.foot-legal{border-top:1px solid #2c3a47;margin-top:40px;padding-top:22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:13px}
.foot-legal ul{display:flex;flex-wrap:wrap;gap:16px}
.reg{font-size:13px;line-height:1.6;margin-top:14px}

@media (max-width:900px){
  .hero .wrap,.content-grid,.tool-grid,.qs-layout{grid-template-columns:minmax(0,1fr)}
  .g3,.g4,.steps,.stats{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  aside.side .sticky{position:static}
}
@media (max-width:600px){
  body{font-size:16px}
  .g2,.g3,.g4,.steps,.stats,.foot-grid,.field-row,.choice{grid-template-columns:1fr}
  .hero{padding:44px 0}
  section.block{padding:52px 0}
  .qs-card,.tool{padding:20px}
}

/* Grip op Vastgoed (coming soon) */
.grip-hero{padding-bottom:64px}
.grip-hero .wrap{display:block}
.grip-hero .lead{max-width:720px}
.soon{display:inline-flex;align-items:center;gap:8px;background:var(--sage-tint);color:var(--sage);font:600 13px/1 var(--sans);letter-spacing:.06em;text-transform:uppercase;padding:8px 12px;border-radius:999px;margin-bottom:16px}
.soon::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--sage);animation:pulse 1.8s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.3}}
@media (prefers-reduced-motion:reduce){.soon::before{animation:none}}
.dash{background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:0 24px 60px rgba(22,32,42,.12);overflow:hidden}
.dash-bar{display:flex;align-items:center;gap:7px;padding:12px 16px;background:var(--ink);color:#dfe4e8;font-size:14px}
.dash-bar span{width:10px;height:10px;border-radius:50%;background:#3d4b58}
.dash-bar b{margin-left:10px;font-weight:500}
.dash-body{padding:22px}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:16px}
.kpis div,.dash-card{background:var(--paper);border-radius:10px;padding:16px}
.kpis small,.dash-card small{display:block;color:var(--muted);font-size:13px;margin-bottom:6px}
.kpis b{display:block;font:600 1.35rem var(--serif);color:var(--ink)}
.kpis em{font-style:normal;font-size:13px;color:var(--ink-2)}
.kpis em.up{color:var(--sage);font-weight:600}
.dash-split{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:16px}
.bars div{display:grid;grid-template-columns:90px 1fr 48px;align-items:center;gap:10px;margin:8px 0;font-size:14px}
.bars i{display:block;height:12px;border-radius:6px;background:var(--brick)}
.bars i.mkt{background:var(--sage)}
.bars b{text-align:right}
.save{margin:10px 0 0;font-size:14px;color:var(--ink-2)}
.timeline{list-style:none;padding:0;margin:0;font-size:14px}
.timeline li{padding:7px 0;border-top:1px solid var(--line);margin:0}
.timeline li:first-child{border-top:0}
.timeline b{display:inline-block;min-width:78px;color:var(--brick)}
.dash-table{width:100%;border-collapse:collapse;font-size:14px}
.dash-table th,.dash-table td{text-align:left;padding:10px;border-top:1px solid var(--line);white-space:nowrap}
.dash-table th{color:var(--muted);font-weight:500;border-top:0}
.tag{display:inline-block;padding:3px 9px;border-radius:999px;font-size:12px;font-weight:600}
.tag-warn{background:var(--brick-tint);color:var(--brick-dark)}
.tag-good{background:var(--sage-tint);color:var(--sage)}
.tag-info{background:var(--paper-2);color:var(--ink-2)}
.dash-note{margin:0;padding:10px 22px 14px;font-size:13px;color:var(--muted)}
.grip-signup{display:grid;grid-template-columns:1fr minmax(0,440px);gap:56px;align-items:start}
.ok-msg{display:none;background:var(--sage-tint);color:var(--sage);font-weight:600;padding:12px 14px;border-radius:8px}
.ok-msg.show{display:block}
.grip-teaser{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;background:var(--ink);color:#dfe4e8;border-radius:14px;padding:32px}
.grip-teaser h2{color:#fff;margin:0 0 6px}
.grip-teaser p{margin:0;max-width:640px}
@media (max-width:900px){
  .kpis{grid-template-columns:1fr 1fr}
  .dash-split,.grip-signup{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:600px){.dash-body{padding:14px}.kpis b{font-size:1.15rem}}