/* DBO Finance — stylesheet */

:root{
  --blauw:#0A559A;
  --blauw-donker:#063A6B;
  --blauw-licht:#EFF4F9;
  --zwart:#141619;
  --grijs:#4A5560;
  --lijn:#DCE4EC;
  --wit:#fff;
  --radius-s:10px;
  --radius:16px;
  --radius-l:24px;
  --schaduw:0 8px 24px rgba(20,22,25,.06);
  --schaduw-groot:0 20px 48px rgba(6,58,107,.14);
}

*{margin:0;padding:0;box-sizing:border-box}

body{
  font-family:'Open Sans',Arial,sans-serif;
  font-size:16px;
  color:var(--zwart);
  line-height:1.65;
  background:var(--wit);
}

img{max-width:100%;height:auto;display:block}
a{color:var(--blauw)}
a:focus-visible,button:focus-visible{outline:3px solid var(--blauw);outline-offset:2px}

.container{max-width:1140px;margin:0 auto;padding:0 20px}

h1,h2,h3,h4{line-height:1.25;color:var(--zwart)}
h1{font-size:2.4rem;font-weight:800}
h2{font-size:1.75rem;font-weight:700;margin-bottom:18px}
h3{font-size:1.2rem;font-weight:700}

p{margin-bottom:16px}
p:last-child{margin-bottom:0}

.btn{
  display:inline-block;
  background:var(--blauw);
  color:#fff;
  text-decoration:none;
  font-weight:600;
  padding:13px 28px;
  border-radius:999px;
  border:none;
  font-size:1rem;
  font-family:inherit;
  cursor:pointer;
  transition:background .2s ease,transform .2s ease,box-shadow .2s ease;
}
.btn:hover{background:var(--blauw-donker);transform:translateY(-2px);box-shadow:0 10px 24px rgba(6,58,107,.22)}
.btn.btn-outline{
  background:transparent;
  color:var(--zwart);
  border:2px solid var(--zwart);
}
.btn.btn-outline:hover{background:var(--zwart);color:#fff;box-shadow:0 10px 24px rgba(20,22,25,.18)}

/* ---- topbar ---- */
.topbar{
  background:var(--blauw-donker);
  color:#fff;
  font-size:.82rem;
  padding:7px 0;
}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{text-decoration:underline}
.topbar .rechts{display:flex;gap:22px}

/* ---- header ---- */
.site-header{
  background:rgba(255,255,255,.85);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid var(--lijn);
  position:sticky;
  top:0;
  z-index:50;
  transition:box-shadow .25s ease;
}
.site-header.vast{box-shadow:0 8px 24px rgba(20,22,25,.08)}
.site-header .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  min-height:84px;
}
.site-header .logo img{height:48px;width:auto}

.hoofdmenu{list-style:none;display:flex;gap:4px;align-items:center}
.hoofdmenu a{
  display:block;
  padding:10px 16px;
  text-decoration:none;
  color:var(--zwart);
  font-weight:600;
  font-size:.95rem;
  border-radius:999px;
  transition:background .18s ease,color .18s ease;
}
.hoofdmenu a:hover{color:var(--blauw);background:var(--blauw-licht)}
.hoofdmenu a.actief{color:var(--blauw);background:var(--blauw-licht)}
.hoofdmenu .menu-cta{
  background:var(--blauw);color:#fff;
  padding:10px 20px;margin-left:10px;
  transition:background .18s ease,transform .18s ease;
}
.hoofdmenu .menu-cta:hover{background:var(--blauw-donker);color:#fff;transform:translateY(-2px)}

.menuknop{
  display:none;background:none;border:1px solid var(--lijn);border-radius:999px;
  padding:8px 14px;font-size:1.2rem;cursor:pointer;color:var(--zwart);
}

/* ---- hero (home) ---- */
.hero{
  background:var(--blauw-licht);
  border-bottom:1px solid var(--lijn);
}
.hero .container{
  display:grid;
  grid-template-columns:7fr 5fr;
  gap:60px;
  align-items:center;
  padding-top:70px;
  padding-bottom:80px;
}
.hero h1{margin-bottom:18px}
.hero h1 span{color:var(--blauw)}
.hero .intro{font-size:1.12rem;color:var(--grijs);margin-bottom:28px}
.hero .knoppen{display:flex;gap:14px;flex-wrap:wrap}
.hero .usp{
  margin-top:26px;padding-left:0;list-style:none;
  display:flex;gap:26px;flex-wrap:wrap;
  font-size:.88rem;color:var(--grijs);
}
.hero .usp li::before{content:"✓";color:var(--blauw);font-weight:700;margin-right:7px}

/* ---- ledger animatie ---- */
.ledger{
  background:#fff;
  border:1px solid var(--lijn);
  border-radius:var(--radius-l);
  box-shadow:var(--schaduw-groot);
  padding:26px;
  font-size:.9rem;
}
.ledger-kop{
  display:flex;justify-content:space-between;
  font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;
  color:var(--grijs);font-weight:700;
  border-bottom:2px solid var(--zwart);
  padding-bottom:10px;
}
.ledger .rij{
  display:flex;justify-content:space-between;align-items:center;
  padding:13px 0;border-bottom:1px dashed var(--lijn);
  position:relative;
}
.ledger .rij .oms small{display:block;color:#8A94A0;font-size:.75rem}
.ledger .rij .bedrag{font-weight:700;font-variant-numeric:tabular-nums}
.ledger .rij .streep{
  position:absolute;left:0;top:50%;height:2px;background:var(--blauw);
  width:0;transition:width .5s ease;
}
.ledger .rij.klaar .streep{width:100%}
.ledger .rij.klaar .oms,.ledger .rij.klaar .bedrag{opacity:.35}
.ledger .stempel{
  position:absolute;right:8px;top:50%;
  transform:translateY(-50%) rotate(-3deg) scale(.7);
  font-size:.62rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--blauw);border:2px solid var(--blauw);border-radius:3px;
  padding:1px 7px;background:#fff;opacity:0;
  transition:opacity .3s .25s,transform .3s .25s;
}
.ledger .rij.klaar .stempel{opacity:1;transform:translateY(-50%) rotate(-3deg) scale(1)}
.uitbetaling{
  margin-top:16px;background:var(--blauw);color:#fff;border-radius:var(--radius);
  padding:16px 18px;display:flex;justify-content:space-between;align-items:center;
  opacity:0;transform:translateY(8px);
  transition:opacity .5s .2s,transform .5s .2s;
}
.uitbetaling.zichtbaar{opacity:1;transform:none}
.uitbetaling .label{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;opacity:.9}
.uitbetaling .bedrag{font-size:1.45rem;font-weight:800;font-variant-numeric:tabular-nums}

/* ---- secties ---- */
.sectie{padding:70px 0}
.sectie.getint{background:var(--blauw-licht);border-top:1px solid var(--lijn);border-bottom:1px solid var(--lijn)}
.sectie-kop{max-width:720px;margin-bottom:40px}
.sectie-kop .boventitel{
  color:var(--blauw);font-weight:700;font-size:.85rem;
  text-transform:uppercase;letter-spacing:.08em;
  display:block;margin-bottom:8px;
}

/* ---- diensten ---- */
.diensten{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.dienst{
  border:1px solid var(--lijn);
  border-top:4px solid var(--blauw);
  border-radius:var(--radius);
  padding:32px 30px;
  background:#fff;
  box-shadow:var(--schaduw);
  transition:transform .22s ease,box-shadow .22s ease;
}
.dienst:hover{transform:translateY(-4px);box-shadow:0 20px 40px rgba(6,58,107,.14)}
.dienst h3{margin-bottom:12px;font-size:1.35rem}
.dienst p{color:var(--grijs)}
.dienst .meer{font-weight:700;text-decoration:none}
.dienst .meer:hover{text-decoration:underline}

/* ---- werkwijze ---- */
.stappen{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.stap{
  position:relative;padding:24px 22px 8px;
  background:#fff;border:1px solid var(--lijn);border-radius:var(--radius);
  transition:transform .22s ease,box-shadow .22s ease;
}
.stap:hover{transform:translateY(-4px);box-shadow:var(--schaduw)}
.stap .nr{
  display:inline-flex;align-items:center;justify-content:center;
  width:38px;height:38px;border-radius:50%;
  background:var(--blauw);color:#fff;font-weight:800;
  margin-bottom:14px;
}
.stap h3{font-size:1.05rem;margin-bottom:8px}
.stap p{font-size:.93rem;color:var(--grijs)}

/* ---- actueel ---- */
.actueel{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.bericht{
  border:1px solid var(--lijn);border-radius:var(--radius);
  padding:24px 24px 22px;background:#fff;
  transition:transform .22s ease,box-shadow .22s ease;
}
.bericht:hover{transform:translateY(-4px);box-shadow:var(--schaduw)}
.bericht time{font-size:.8rem;color:#8A94A0}
.bericht h3{font-size:1.05rem;margin:8px 0 10px}
.bericht h3 a{color:var(--zwart);text-decoration:none}
.bericht h3 a:hover{color:var(--blauw)}
.bericht p{font-size:.92rem;color:var(--grijs)}

/* ---- cta-band ---- */
.cta-band{padding:0 0 70px}
.cta-band .container{
  background:var(--blauw);color:#fff;border-radius:var(--radius-l);
  display:flex;justify-content:space-between;align-items:center;
  gap:30px;flex-wrap:wrap;
  padding:48px 56px;
  box-shadow:var(--schaduw-groot);
}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{opacity:.9;margin:0}
.cta-band .btn{background:#fff;color:var(--blauw)}
.cta-band .btn:hover{background:var(--blauw-licht)}

/* ---- subpagina's ---- */
.pagina-kop{
  background:var(--blauw-licht);
  border-bottom:1px solid var(--lijn);
  padding:44px 0 38px;
}
.kruimelpad{font-size:.82rem;color:var(--grijs);margin-bottom:12px}
.kruimelpad a{color:var(--grijs);text-decoration:none}
.kruimelpad a:hover{color:var(--blauw);text-decoration:underline}
.pagina-kop h1{font-size:2rem}

.pagina-inhoud{padding:60px 0}
.pagina-inhoud .container{
  display:grid;grid-template-columns:8fr 4fr;gap:60px;align-items:start;
}
.tekst h2{margin-top:34px}
.tekst h2:first-child{margin-top:0}
.tekst ul{margin:0 0 16px 22px}
.tekst li{margin-bottom:6px}

.zijbalk{display:grid;gap:24px;position:sticky;top:104px}
.blok{
  border:1px solid var(--lijn);
  border-radius:var(--radius);
  padding:26px 24px;
  background:#fff;
  box-shadow:var(--schaduw);
}
.blok.blauw{background:var(--blauw);color:#fff;border:none}
.blok.blauw h3{color:#fff}
.blok.blauw a:not(.btn){color:#fff}
.blok h3{margin-bottom:12px}
.blok p{font-size:.93rem}
.blok .btn{margin-top:6px}
.blok.blauw .btn{background:#fff;color:var(--blauw)}
.contactlijst{list-style:none}
.contactlijst li{padding:7px 0;border-bottom:1px solid var(--lijn);font-size:.93rem}
.contactlijst li:last-child{border-bottom:none}
.contactlijst strong{display:inline-block;min-width:86px}

/* ---- contactpagina ---- */
.contact-indeling{display:grid;grid-template-columns:5fr 7fr;gap:60px;align-items:start}
.formulier{display:grid;gap:18px;background:var(--blauw-licht);border:1px solid var(--lijn);padding:32px;border-radius:var(--radius-l);box-shadow:var(--schaduw)}
.veld label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.veld input,.veld select,.veld textarea{
  width:100%;padding:11px 15px;font-family:inherit;font-size:.95rem;
  border:1px solid #B9C6D3;border-radius:var(--radius-s);background:#fff;color:var(--zwart);
}
.veld input:focus,.veld select:focus,.veld textarea:focus{
  outline:none;border-color:var(--blauw);box-shadow:0 0 0 3px rgba(10,85,154,.14);
}
.veld-rij{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.formulier .toelichting{font-size:.8rem;color:var(--grijs);margin:0}

/* ---- footer ---- */
.site-footer{background:var(--zwart);color:#B9C2CC;font-size:.92rem;padding:56px 0 30px}
.site-footer a{color:#B9C2CC;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-kolommen{
  display:grid;grid-template-columns:4fr 3fr 3fr 4fr;gap:44px;margin-bottom:44px;
}
.site-footer .logo-onder{height:38px;width:auto;filter:brightness(0) invert(1);margin-bottom:16px}
.site-footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.nieuwsbrief{display:flex;gap:8px;margin-top:10px}
.nieuwsbrief input{
  flex:1;padding:10px 16px;border:1px solid #3A424C;border-radius:999px;
  background:#1E2126;color:#fff;font-family:inherit;
}
.nieuwsbrief input:focus{outline:none;border-color:var(--blauw)}
.nieuwsbrief .btn{padding:10px 16px}
.footer-onder{
  border-top:1px solid #2A2F36;padding-top:22px;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;
  font-size:.8rem;color:#7E8894;
}

/* ---- scroll reveal ---- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .55s ease,transform .55s ease}
.reveal.in{opacity:1;transform:none}

@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
  .reveal{opacity:1;transform:none}
}

/* ---- responsive ---- */
@media (max-width:920px){
  .hero .container{grid-template-columns:1fr;gap:40px;padding-top:44px;padding-bottom:52px}
  .diensten,.contact-indeling{grid-template-columns:1fr}
  .stappen{grid-template-columns:1fr 1fr}
  .actueel{grid-template-columns:1fr}
  .pagina-inhoud .container{grid-template-columns:1fr;gap:40px}
  .zijbalk{position:static}
  .footer-kolommen{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  h1{font-size:1.9rem}
  .menuknop{display:block}
  .hoofdmenu{
    display:none;position:absolute;top:100%;left:0;right:0;z-index:40;
    background:#fff;border-bottom:1px solid var(--lijn);
    border-radius:0 0 var(--radius) var(--radius);
    box-shadow:var(--schaduw-groot);
    flex-direction:column;align-items:stretch;padding:14px 20px 22px;
  }
  .hoofdmenu.open{display:flex}
  .hoofdmenu a{border-radius:var(--radius-s)}
  .hoofdmenu .menu-cta{margin-left:0;margin-top:8px;text-align:center;border-radius:999px}
  .stappen,.veld-rij,.footer-kolommen{grid-template-columns:1fr}
  .topbar .container{justify-content:center}
}