:root{
    --navy:#1A2E4A;
    --midblue:#2E5077;
    --lightblue:#D1D9E6;
    --lightgrey:#F2F2F2;
    --white:#FFFFFF;
    --tag-string:#8C9BAF;
    --accent:#C97B2E;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:Calibri,'Segoe UI',Arial,sans-serif;
    color:var(--navy);
    background:var(--white);
    line-height:1.55;
  }
  h1,h2,h3{
    font-family:Cambria,Georgia,'Times New Roman',serif;
    margin:0;
    color:var(--navy);
    font-weight:700;
  }
  a{color:inherit;}
  img,svg{display:block;max-width:100%;}
  button{font:inherit;cursor:pointer;}

  .wrap{max-width:1180px;margin:0 auto;padding:0 32px;}

  /* HEADER */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(255,255,255,0.92);
    backdrop-filter:blur(6px);
    border-bottom:1px solid var(--lightblue);
  }
  .headerbar{
    display:flex;align-items:center;justify-content:space-between;
    padding:18px 0;
  }
  .logo{
    font-family:Cambria,Georgia,serif;
    font-weight:700;font-size:20px;letter-spacing:.2px;
    display:flex;align-items:baseline;gap:6px;
  }
  .logo span{color:var(--midblue);}
  .header-links{display:flex;gap:10px;align-items:center;}
  .header-phone{
    display:flex;align-items:center;gap:7px;
    color:var(--navy);font-weight:600;font-size:14.5px;
    text-decoration:none;white-space:nowrap;margin-right:6px;
  }
  .header-phone:hover{color:var(--midblue);}
  .header-phone svg{width:16px;height:16px;flex-shrink:0;}
  .cta-btn{
    background:var(--navy);
    color:var(--white);
    padding:12px 22px;
    border:none;
    border-radius:3px;
    text-decoration:none;
    font-weight:600;font-size:15px;
    display:inline-block;
    transition:background .2s ease, transform .2s ease;
    white-space:nowrap;
  }
  .cta-btn:hover{background:var(--midblue);transform:translateY(-1px);}
  .cta-btn.ghost{
    background:transparent;border:1.5px solid var(--navy);color:var(--navy);
  }
  .cta-btn.ghost:hover{background:var(--navy);color:var(--white);}
  .cta-btn.small{padding:9px 16px;font-size:13.5px;}

  /* HERO */
  .hero{
    padding:68px 0 84px;
    background:linear-gradient(180deg,var(--white) 0%, var(--lightgrey) 100%);
    overflow:hidden;
  }
  .hero-head{
    max-width:760px;margin:0 auto;text-align:center;
  }
  .eyebrow{
    display:inline-block;
    font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
    color:var(--midblue);
    padding:6px 14px;
    border:1px solid var(--midblue);
    border-radius:999px;
    margin-bottom:22px;
  }
  .hero h1{
    font-size:42px;line-height:1.16;letter-spacing:-.5px;
  }
  .hero h1 em{
    font-style:normal;color:var(--midblue);
  }
  .hero p.lead{
    font-size:17.5px;color:#3d4c5e;max-width:560px;margin:20px auto 0;
  }

  /* CHOICE CARDS */
  .choice-grid{
    margin-top:52px;
    display:grid;grid-template-columns:repeat(2,1fr);gap:24px;
    align-items:stretch;
    max-width:760px;
    margin-left:auto;margin-right:auto;
  }
  .choice-card{
    background:var(--white);
    border:1px solid var(--lightblue);
    border-radius:10px;
    padding:32px 26px 28px;
    display:flex;flex-direction:column;
    box-shadow:0 10px 28px rgba(26,46,74,0.06);
    transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
  }
  .choice-card:hover{
    transform:translateY(-5px);
    box-shadow:0 18px 34px rgba(26,46,74,0.12);
    border-color:var(--midblue);
  }
  .choice-card .icon{
    width:52px;height:52px;
    border-radius:50%;
    background:var(--lightgrey);
    display:flex;align-items:center;justify-content:center;
    margin-bottom:20px;
  }
  .choice-card .icon svg{width:26px;height:26px;}
  .choice-card .tagline{
    font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    color:var(--midblue);margin-bottom:8px;
  }
  .choice-card h3{font-size:20px;margin-bottom:10px;}
  .choice-card p{
    color:#5b6b7d;font-size:14.5px;margin:0 0 24px;flex-grow:1;
  }
  .choice-card.featured{
    background:var(--navy);
    border-color:var(--navy);
  }
  .choice-card.featured .icon{background:rgba(255,255,255,0.1);}
  .choice-card.featured .tagline{color:var(--lightblue);}
  .choice-card.featured h3{color:var(--white);}
  .choice-card.featured p{color:#c3cedd;}
  .choice-card .cta-btn{width:100%;text-align:center;}
  .choice-card.featured .cta-btn{background:var(--white);color:var(--navy);}
  .choice-card.featured .cta-btn:hover{background:var(--lightblue);}
  .choice-card:not(.featured) .cta-btn{background:var(--midblue);}
  .choice-card:not(.featured) .cta-btn:hover{background:var(--navy);}

  .choice-card.third .cta-btn{background:transparent;border:1.5px solid var(--navy);color:var(--navy);}
  .choice-card.third .cta-btn:hover{background:var(--navy);color:var(--white);}

  .hero-note{
    margin-top:36px;text-align:center;font-size:13.5px;color:#647486;
  }

  /* MODELS STRIP */
  .models{
    padding:64px 0;
    border-top:1px solid var(--lightblue);
    border-bottom:1px solid var(--lightblue);
  }
  .models h2{font-size:26px;margin-bottom:6px;}
  .models .sub{color:#5b6b7d;margin-bottom:36px;font-size:15.5px;}
  .model-grid{
    display:grid;grid-template-columns:repeat(5,1fr);gap:18px;
  }
  .model-card{
    background:var(--lightgrey);
    border-radius:6px;
    padding:26px 16px 20px;
    text-align:center;
    transition:transform .2s ease, background .2s ease;
  }
  .model-card:hover{background:var(--lightblue);transform:translateY(-4px);}
  .model-card svg{width:56px;height:56px;margin:0 auto 14px;}
  .model-card .name{font-weight:700;font-size:14.5px;}

  /* WHY / STRENGTHS - navy band */
  .why{
    background:var(--navy);
    color:var(--white);
    padding:72px 0;
  }
  .why h2{color:var(--white);font-size:28px;max-width:640px;}
  .why .sub{color:#c3cedd;margin-top:14px;max-width:600px;font-size:15.5px;}
  .why-grid{
    margin-top:44px;
    display:grid;grid-template-columns:repeat(4,1fr);gap:22px;
  }
  .why-card{
    background:rgba(255,255,255,0.06);
    border:1px solid rgba(255,255,255,0.14);
    border-radius:6px;
    padding:26px;
  }
  .why-card .num{
    font-family:Cambria,Georgia,serif;
    color:var(--lightblue);font-size:15px;font-weight:700;letter-spacing:.05em;
    margin-bottom:10px;display:block;
  }
  .why-card h3{color:var(--white);font-size:18px;margin-bottom:8px;}
  .why-card p{color:#c9d3e0;font-size:14.5px;margin:0;}

  .compare-grid{
    margin-top:26px;
    display:grid;grid-template-columns:repeat(2,1fr);gap:22px;
  }
  .compare-card{
    background:rgba(255,255,255,0.06);
    border:1px solid rgba(255,255,255,0.14);
    border-radius:6px;
    padding:28px;
  }
  .compare-card .tagline{
    font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    color:var(--lightblue);margin-bottom:10px;
  }
  .compare-card h3{color:var(--white);font-size:18px;margin-bottom:10px;}
  .compare-card p{color:#c9d3e0;font-size:14.5px;margin:0;}
  .compare-card p + p{margin-top:10px;}

  /* HOW IT WORKS */
  .how{padding:76px 0;}
  .how h2{font-size:28px;margin-bottom:44px;}
  .steps{
    display:grid;grid-template-columns:repeat(3,1fr);gap:36px;
    position:relative;
  }
  .step{position:relative;padding-left:0;}
  .step .stepnum{
    width:40px;height:40px;border-radius:50%;
    background:var(--midblue);color:var(--white);
    display:flex;align-items:center;justify-content:center;
    font-family:Cambria,Georgia,serif;font-weight:700;font-size:16px;
    margin-bottom:18px;
  }
  .step h3{font-size:18px;margin-bottom:8px;}
  .step p{color:#5b6b7d;font-size:14.5px;margin:0;}

  /* FAQ */
  .faq{padding:76px 0;background:var(--lightgrey);}
  .faq h2{font-size:28px;margin-bottom:12px;}
  .faq .sub{color:#5b6b7d;margin-bottom:36px;font-size:15.5px;max-width:640px;}
  .faq-list{max-width:820px;}
  .faq-item{
    background:var(--white);
    border:1px solid var(--lightblue);
    border-radius:8px;
    margin-bottom:14px;
    overflow:hidden;
  }
  .faq-item summary{
    list-style:none;
    cursor:pointer;
    padding:20px 24px;
    font-family:Cambria,Georgia,serif;
    font-weight:700;
    font-size:16px;
    color:var(--navy);
    display:flex;justify-content:space-between;align-items:center;gap:16px;
  }
  .faq-item summary::marker,
  .faq-item summary::-webkit-details-marker{display:none;}
  .faq-item summary .plusmin{
    font-family:Calibri,Arial,sans-serif;
    font-weight:700;font-size:22px;line-height:1;
    color:var(--midblue);
    flex-shrink:0;
    width:22px;text-align:center;
  }
  .faq-item[open] summary .plusmin::before{content:"–";}
  .faq-item summary .plusmin::before{content:"+";}
  .faq-item .faq-answer{
    padding:0 24px 22px;
    color:#4a5b6e;
    font-size:14.5px;
    line-height:1.65;
  }
  .faq-item .faq-answer p{margin:0 0 10px;}
  .faq-item .faq-answer p:last-child{margin-bottom:0;}

  /* DEALER CALLOUT */
  .dealer{
    background:var(--lightblue);
    padding:52px 0;
  }
  .dealer-inner{
    display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;
  }
  .dealer h2{font-size:22px;max-width:520px;}
  .dealer p{color:#33465e;max-width:520px;margin-top:10px;font-size:14.5px;}

  /* FINAL CTA BAND */
  .final-cta{
    padding:70px 0;text-align:center;
    background:var(--lightgrey);
  }
  .final-cta h2{font-size:26px;margin-bottom:14px;}
  .final-cta p{color:#5b6b7d;margin-bottom:30px;}
  .final-cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

  /* FOOTER */
  footer{
    background:var(--navy);
    color:#a9b8ca;
    padding:44px 0 30px;
    font-size:13.5px;
  }
  .footer-grid{
    display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;
    border-bottom:1px solid rgba(255,255,255,0.14);
    padding-bottom:26px;margin-bottom:20px;
  }
  .footer-brand{font-family:Cambria,Georgia,serif;color:var(--white);font-size:17px;font-weight:700;}
  .footer-labels{display:flex;gap:22px;flex-wrap:wrap;color:#c3cedd;}
  .footer-fine{color:#8393a6;font-size:12.5px;}

  @media (max-width: 980px){
    .choice-grid{grid-template-columns:1fr;max-width:440px;margin-left:auto;margin-right:auto;}
    .model-grid{grid-template-columns:repeat(3,1fr);}
    .why-grid{grid-template-columns:repeat(2,1fr);}
    .compare-grid{grid-template-columns:1fr;}
    .steps{grid-template-columns:1fr;}
    .dealer-inner{flex-direction:column;align-items:flex-start;}
  }
  @media (max-width: 600px){
    .hero h1{font-size:30px;}
    .model-grid{grid-template-columns:repeat(2,1fr);}
    .header-links .cta-btn.ghost{display:none;}
    .header-phone .phone-cta-text{display:none;}
  }


/* ============ Rekentool-stijlen (particulier + zakelijk, gedeeld) ============ */

  :root{
    --navy:#1A2E4A;
    --midblue:#2E5077;
    --lightblue:#D1D9E6;
    --lightgrey:#F2F2F2;
    --white:#FFFFFF;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:Calibri,'Segoe UI',Arial,sans-serif;
    color:var(--navy);
    background:var(--white);
    line-height:1.55;
  }
  h1,h2,h3{
    font-family:Cambria,Georgia,'Times New Roman',serif;
    margin:0;
    color:var(--navy);
    font-weight:700;
  }
  a{color:inherit;}
  img,svg{display:block;max-width:100%;}
  button{font:inherit;cursor:pointer;}

  .wrap{max-width:1100px;margin:0 auto;padding:0 32px;}

  /* HEADER */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(255,255,255,0.92);
    backdrop-filter:blur(6px);
    border-bottom:1px solid var(--lightblue);
  }
  .headerbar{
    display:flex;align-items:center;justify-content:space-between;
    padding:18px 0;
  }
  .logo{
    font-family:Cambria,Georgia,serif;
    font-weight:700;font-size:20px;letter-spacing:.2px;
    display:flex;align-items:baseline;gap:6px;
  }
  .logo span{color:var(--midblue);}
  .header-links{display:flex;gap:10px;align-items:center;}
  .header-phone{
    display:flex;align-items:center;gap:7px;
    color:var(--navy);font-weight:600;font-size:14.5px;
    text-decoration:none;white-space:nowrap;margin-right:6px;
  }
  .header-phone:hover{color:var(--midblue);}
  .header-phone svg{width:16px;height:16px;flex-shrink:0;}
  .cta-btn{
    background:var(--navy);
    color:var(--white);
    padding:12px 22px;
    border:none;
    border-radius:3px;
    text-decoration:none;
    font-weight:600;font-size:15px;
    display:inline-block;
    transition:background .2s ease, transform .2s ease;
    white-space:nowrap;
    text-align:center;
  }
  .cta-btn:hover{background:var(--midblue);transform:translateY(-1px);}
  .cta-btn.ghost{
    background:transparent;border:1.5px solid var(--navy);color:var(--navy);
  }
  .cta-btn.ghost:hover{background:var(--navy);color:var(--white);}
  .cta-btn.small{padding:9px 16px;font-size:13.5px;}
  .cta-btn:disabled{opacity:.5;cursor:not-allowed;transform:none;}

  /* CALC HERO */
  .calc-hero{
    padding:56px 0 40px;
    background:linear-gradient(180deg,var(--white) 0%, var(--lightgrey) 100%);
  }
  .eyebrow{
    display:inline-block;
    font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
    color:var(--midblue);
    padding:6px 14px;
    border:1px solid var(--midblue);
    border-radius:999px;
    margin-bottom:18px;
  }
  .calc-hero h1{font-size:36px;line-height:1.18;letter-spacing:-.4px;}
  .calc-hero p.lead{font-size:17px;color:#3d4c5e;max-width:600px;margin:16px 0 0;}

  /* FORM SECTION */
  .calc-form-section{padding:44px 0 90px;}
  .calc-grid{
    display:grid;grid-template-columns:1.3fr 1fr;gap:32px;align-items:start;
  }

  .calc-form-card{
    background:var(--white);
    border:1px solid var(--lightblue);
    border-radius:10px;
    padding:34px;
    box-shadow:0 10px 28px rgba(26,46,74,0.06);
  }
  .calc-form-card h3{
    font-size:17px;margin:0 0 18px;
    padding-bottom:10px;border-bottom:1px solid var(--lightblue);
  }
  .calc-form-card h3:not(:first-child){margin-top:30px;}

  .form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
  .field{margin-bottom:16px;}
  .field label{
    display:block;font-size:13px;font-weight:700;color:var(--midblue);
    margin-bottom:6px;letter-spacing:.02em;
  }
  .field input{
    width:100%;
    padding:11px 13px;
    border:1.5px solid var(--lightblue);
    border-radius:5px;
    font-family:inherit;font-size:14.5px;color:var(--navy);
    background:var(--white);
  }
  .field input:focus{outline:none;border-color:var(--midblue);}
  .field select{
    width:100%;
    padding:11px 13px;
    border:1.5px solid var(--lightblue);
    border-radius:5px;
    font-family:inherit;font-size:14.5px;color:var(--navy);
    background:var(--white);
  }
  .field select:focus{outline:none;border-color:var(--midblue);}
  .field-note{
    font-size:12.5px;color:#647486;margin:-6px 0 18px;line-height:1.55;
  }

  .radio-row{display:flex;flex-direction:column;gap:10px;margin-top:4px;}
  .radio-option{
    display:flex;align-items:center;gap:9px;
    font-size:14.5px;color:var(--navy);font-weight:normal;
    padding:11px 13px;border:1.5px solid var(--lightblue);border-radius:5px;
    cursor:pointer;
  }
  .radio-option:has(input:checked){border-color:var(--midblue);background:#f5f8fb;}
  .radio-option input{width:auto;accent-color:var(--midblue);}

  .calc-submit{width:100%;font-size:16px;padding:14px 20px;margin-top:8px;}
  .error-msg{
    display:none;
    background:#fdeceb;border:1px solid #e5a9a3;color:#8a2f27;
    padding:12px 16px;border-radius:5px;font-size:13.5px;margin-bottom:18px;
  }
  .error-msg.show{display:block;}

  /* RESULT CARD */
  .calc-result-card{
    background:var(--navy);
    color:var(--white);
    border-radius:10px;
    padding:34px;
    position:sticky;top:96px;
  }
  .calc-result-card .tagline{
    font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    color:var(--lightblue);margin-bottom:12px;
  }
  .result-amount{
    font-family:Cambria,Georgia,serif;font-weight:700;
    font-size:40px;line-height:1.1;
  }
  .result-freq{color:#c3cedd;font-size:14px;margin-top:4px;margin-bottom:24px;}
  .result-breakdown{
    border-top:1px solid rgba(255,255,255,0.16);
    padding-top:18px;margin-bottom:26px;
  }
  .result-breakdown .row{
    display:flex;justify-content:space-between;gap:12px;
    font-size:13.5px;color:#c9d3e0;padding:6px 0;
  }
  .result-breakdown .row.total{
    color:var(--white);font-weight:700;
    border-top:1px solid rgba(255,255,255,0.16);
    margin-top:6px;padding-top:12px;
  }
  .calc-result-card .cta-btn{
    width:100%;background:var(--white);color:var(--navy);
  }
  .calc-result-card .cta-btn:hover{background:var(--lightblue);}
  .result-placeholder{color:#c3cedd;font-size:14.5px;}
  .afsluit-note{
    margin:18px 0 0;
    padding:14px 16px;
    background:rgba(255,255,255,0.08);
    border:1px solid rgba(255,255,255,0.18);
    border-radius:6px;
    font-size:12.5px;line-height:1.6;
    color:#c9d3e0;
  }
  .afsluit-note strong{color:var(--white);}
  .afsluit-note a{color:var(--lightblue);text-decoration:underline;}

  /* OFFERTE-FLOW */
  .offerte-divider{
    display:flex;align-items:center;gap:12px;
    margin:18px 0;color:#8fa0b5;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em;
  }
  .offerte-divider::before, .offerte-divider::after{
    content:"";flex:1;height:1px;background:rgba(255,255,255,0.16);
  }
  .cta-btn.ghost-on-navy{
    width:100%;background:transparent;border:1.5px solid rgba(255,255,255,0.5);color:var(--white);
  }
  .cta-btn.ghost-on-navy:hover{background:rgba(255,255,255,0.1);}
  .offerte-panel{
    margin-top:18px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.16);
  }
  .offerte-panel h4{color:var(--white);font-size:15px;margin:0 0 4px;}
  .offerte-panel .offerte-sub{color:#c3cedd;font-size:13px;margin:0 0 16px;}
  .offerte-field{margin-bottom:12px;}
  .offerte-field label{
    display:block;font-size:12.5px;font-weight:700;color:var(--lightblue);
    margin-bottom:5px;letter-spacing:.02em;
  }
  .offerte-field input{
    width:100%;padding:10px 12px;border:1.5px solid rgba(255,255,255,0.3);
    border-radius:5px;font-family:inherit;font-size:14px;
    background:rgba(255,255,255,0.95);color:var(--navy);
  }
  .offerte-field input:focus{outline:none;border-color:var(--lightblue);}
  .offerte-row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
  .offerte-error{
    display:none;background:rgba(253,236,235,0.95);border:1px solid #e5a9a3;color:#8a2f27;
    padding:10px 14px;border-radius:5px;font-size:13px;margin-bottom:14px;
  }
  .offerte-error.show{display:block;}
  .offerte-success{
    display:none;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.2);
    border-radius:6px;padding:16px;font-size:13.5px;color:#e4ecf5;line-height:1.6;
  }
  .offerte-success.show{display:block;}
  .offerte-success strong{color:var(--white);}

  .slotvraag{margin-bottom:16px;}
  .slotvraag p{color:#e4ecf5;font-size:13.5px;line-height:1.55;margin:0 0 8px;}
  .slotvraag-radios{display:flex;gap:20px;}
  .slotvraag-radios label{display:flex;align-items:center;gap:6px;color:var(--white);font-size:14px;font-weight:normal;cursor:pointer;}
  .slotvraag-radios input{width:auto;accent-color:var(--white);margin:0;}

  @media (max-width:600px){
    .offerte-row-2{grid-template-columns:1fr;}
  }

  /* FOOTER */
  footer{
    background:var(--navy);
    color:#a9b8ca;
    padding:44px 0 30px;
    font-size:13.5px;
  }
  .footer-grid{
    display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;
    border-bottom:1px solid rgba(255,255,255,0.14);
    padding-bottom:26px;margin-bottom:20px;
  }
  .footer-brand{font-family:Cambria,Georgia,serif;color:var(--white);font-size:17px;font-weight:700;}
  .footer-labels{display:flex;gap:22px;flex-wrap:wrap;color:#c3cedd;}
  .footer-fine{color:#8393a6;font-size:12.5px;}

  @media (max-width: 900px){
    .calc-grid{grid-template-columns:1fr;}
    .calc-result-card{position:static;}
  }
  @media (max-width: 600px){
    .calc-hero h1{font-size:28px;}
    .form-row-2{grid-template-columns:1fr;}
    .header-links .cta-btn.ghost{display:none;}
    .header-phone .phone-cta-text{display:none;}
    .calc-form-card, .calc-result-card{padding:24px;}
  }

  /* Blokken die vanuit Syntec worden gevuld: de premie-opbouw en de slotvragen van de
     verzekeraar. De opmaak volgt de bestaande slotvragen-stijl van deze pagina. */
  .result-breakdown .result-note{color:#c3cedd;font-size:12px;margin:14px 0 0;}
  .final-questions .fq-heading{
    color:var(--white);font-size:15px;font-weight:700;margin:22px 0 8px;
  }
  .final-questions .fq-heading:first-child{margin-top:0;}