/* Autoverzekeringgids — static stylesheet, no external assets. */
:root {
  --ink: #14213d;
  --ink-soft: #1f3155;
  --paper: #f7f2e7;
  --paper-2: #efe7d6;
  --plate: #ffcf33;
  --plate-deep: #e8b500;
  --accent: #c2411f;
  --accent-dark: #96310f;
  --teal: #1f5f5b;
  --muted: #4d5b63;
  --line: #cfc4ae;
  --white: #fffdf7;
  --shadow: 5px 5px 0 var(--ink);
  --radius: 2px;
  --sans: "Avenir Next", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --serif: "Iowan Old Style", "Palatino Linotype", "Book Antiqua", Palatino, Georgia, serif;
  --mono: "SFMono-Regular", Consolas, "Liberation Mono", Menlo, monospace;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(circle at 12% 8%, rgba(255, 207, 51, 0.16), transparent 24rem),
    radial-gradient(circle at 88% 22%, rgba(31, 95, 91, 0.08), transparent 20rem),
    var(--paper);
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; display: block; }

a { color: var(--accent-dark); text-decoration-thickness: 1.5px; text-underline-offset: 3px; }
a:hover { color: var(--ink); }

:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin: 0 0 0.55em;
  color: var(--ink);
  text-wrap: balance;
}

h1 { font-size: clamp(2.15rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.55rem, 3vw, 2.35rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }

p { margin: 0 0 1.05em; }
ul, ol { padding-left: 1.25em; }
li { margin-bottom: 0.35em; }

strong { color: var(--ink); }
small { font-size: 0.86rem; }

.wrap {
  width: min(100% - 2.5rem, 1120px);
  margin-inline: auto;
}

.narrow { width: min(100% - 2.5rem, 780px); margin-inline: auto; }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0);
  white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute;
  left: 1rem; top: -4rem;
  z-index: 100;
  padding: 0.8rem 1.1rem;
  background: var(--ink);
  color: var(--white);
  font-weight: 700;
  text-decoration: none;
}
.skip-link:focus { top: 0.8rem; color: var(--white); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 242, 231, 0.97);
  border-bottom: 2px solid var(--ink);
  backdrop-filter: blur(8px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 76px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}
.brand:hover { color: var(--ink); }

.brand-plate {
  color: var(--ink);
  display: inline-grid;
  place-items: center;
  width: 42px; height: 32px;
  background: var(--plate);
  border: 1.5px solid var(--ink);
  border-radius: 3px;
  font-family: var(--mono);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  box-shadow: 2px 2px 0 var(--ink);
  flex: none;
}

.brand-dot { color: var(--accent); }

.site-nav { display: flex; align-items: center; gap: 1.35rem; }
.site-nav ul {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  list-style: none;
  margin: 0; padding: 0;
}
.site-nav li { margin: 0; }
.site-nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 650;
  padding: 0.45rem 0;
  border-bottom: 3px solid transparent;
}
.site-nav a:hover { border-bottom-color: var(--plate-deep); }
.site-nav a[aria-current="page"] { border-bottom-color: var(--accent); }

.lang-switch {
  border: 1.5px solid var(--ink) !important;
  padding: 0.3rem 0.55rem !important;
  font-family: var(--mono);
  font-size: 0.78rem !important;
  letter-spacing: 0.06em;
  background: var(--white);
}

.menu-toggle {
  display: none;
  align-items: center;
  gap: 0.5rem;
  border: 1.5px solid var(--ink);
  background: var(--white);
  color: var(--ink);
  font: inherit;
  font-weight: 700;
  padding: 0.55rem 0.8rem;
  min-height: 44px;
  cursor: pointer;
}
.menu-icon, .menu-icon::before, .menu-icon::after {
  display: block;
  width: 18px; height: 2px;
  background: var(--ink);
  content: "";
  position: relative;
}
.menu-icon::before { position: absolute; top: -6px; }
.menu-icon::after { position: absolute; top: 6px; }

.notice-bar {
  background: var(--ink);
  color: var(--paper);
  font-size: 0.86rem;
  line-height: 1.5;
}
.notice-inner { padding: 0.55rem 0; }
.notice-bar p { margin: 0; }
.notice-bar strong { color: var(--plate); }
.notice-bar a { color: var(--plate); text-decoration: underline; }
.notice-bar a:hover { color: var(--white); }

/* Type/layout helpers */
.eyebrow, .kicker {
  font-family: var(--mono);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin: 0 0 0.7rem;
}

.lead {
  font-size: clamp(1.08rem, 2vw, 1.3rem);
  line-height: 1.55;
  color: var(--ink-soft);
  max-width: 62ch;
}

.section { padding: clamp(2.4rem, 6vw, 4.6rem) 0; border-top: 1px solid var(--line); }
.section-tight { padding: clamp(1.8rem, 4vw, 2.8rem) 0; }
.section-alt { background: var(--paper-2); }
.section-dark { background: var(--ink); color: var(--paper); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark a { color: var(--plate); }

.page-head { padding: clamp(2.2rem, 5vw, 4rem) 0 1.6rem; }
.page-head h1 { max-width: 18ch; }
.page-head .lead { margin-top: 0.5rem; }

.prose { max-width: 760px; }
.prose h2 { margin-top: 2.2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.5em; }
.prose p + h3 { margin-top: 1.7em; }
.prose ul, .prose ol { margin-bottom: 1.1em; }
.prose blockquote {
  margin: 1.6em 0;
  padding: 1rem 1.25rem;
  border-left: 5px solid var(--plate-deep);
  background: var(--white);
  font-family: var(--serif);
  font-size: 1.12rem;
}

.crumbs { font-size: 0.84rem; padding-top: 1rem; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 0.4rem; padding: 0; margin: 0; }
.crumbs li { margin: 0; }
.crumbs li + li::before { content: "›"; color: var(--muted); margin-right: 0.4rem; }
.crumbs a { color: var(--muted); }

/* Hero */
.hero {
  padding: clamp(2.6rem, 6vw, 5rem) 0 clamp(2rem, 4vw, 3.2rem);
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
}
.hero h1 { max-width: 15ch; }
.hero .lead { margin-top: 1rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.8rem; margin-top: 1.5rem; }
.hero-meta {
  display: flex; flex-wrap: wrap; gap: 0.55rem 1.2rem;
  margin-top: 1.3rem; padding-top: 1rem;
  border-top: 1px solid var(--line);
  font-size: 0.84rem; color: var(--muted);
}
.hero-meta span { display: inline-flex; align-items: center; gap: 0.4rem; }
.hero-meta span::before { content: ""; width: 7px; height: 7px; background: var(--teal); display: inline-block; }

.plate-stack { display: grid; gap: 1rem; }
.plate-card {
  position: relative;
  background: var(--white);
  border: 1.5px solid var(--ink);
  padding: 1.1rem 1.2rem 1.15rem;
  box-shadow: 4px 4px 0 var(--ink);
}
.plate-card strong { display: block; font-family: var(--serif); font-size: 1.25rem; }
.plate-card p { margin: 0.3rem 0 0; font-size: 0.92rem; color: var(--muted); }
.plate-card .plate-tag {
  color: var(--ink);
  position: absolute; top: -0.65rem; left: 0.9rem;
  background: var(--plate);
  border: 1.5px solid var(--ink);
  font-family: var(--mono);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  padding: 0.1rem 0.4rem;
}
.plate-card-featured { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.plate-card-featured strong { color: var(--white); }
.plate-card-featured p { color: #d9d2c2; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 46px;
  padding: 0.7rem 1.1rem;
  border: 1.5px solid var(--ink);
  background: var(--plate);
  color: var(--ink);
  font: inherit;
  font-weight: 750;
  text-decoration: none;
  box-shadow: 3px 3px 0 var(--ink);
}
.btn:hover { background: var(--plate-deep); color: var(--ink); transform: translate(1px, 1px); box-shadow: 2px 2px 0 var(--ink); }
.btn-secondary { background: var(--white); }
.btn-dark { background: var(--ink); color: var(--white); border-color: var(--ink); }
.btn-dark:hover { background: var(--ink-soft); color: var(--white); }

/* Cards and grids */
.grid-2, .grid-3, .grid-4 {
  display: grid;
  gap: 1.1rem;
}
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card {
  background: var(--white);
  border: 1.5px solid var(--ink);
  padding: 1.25rem 1.25rem 1.1rem;
  box-shadow: 3px 3px 0 rgba(20, 33, 61, 0.16);
}
.card h3 { margin-bottom: 0.35rem; }
.card p:last-child { margin-bottom: 0; }
.card-num {
  font-family: var(--mono);
  font-size: 0.72rem;
  font-weight: 800;
  color: var(--accent-dark);
  letter-spacing: 0.08em;
  display: inline-block;
  margin-bottom: 0.5rem;
}
.card-link { display: inline-block; margin-top: 0.6rem; font-weight: 700; }

.card-accent { border-top: 8px solid var(--plate); }
.card-teal { border-top: 8px solid var(--teal); }
.card-red { border-top: 8px solid var(--accent); }

.stat-band {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: var(--ink);
  border: 1.5px solid var(--ink);
}
.stat {
  background: var(--white);
  padding: 1.15rem;
}
.stat strong { display: block; font-family: var(--serif); font-size: 1.65rem; line-height: 1.1; }
.stat span { font-size: 0.85rem; color: var(--muted); }

/* Tables */
.table-wrap { overflow-x: auto; margin: 1.4rem 0 1.8rem; border: 1.5px solid var(--ink); background: var(--white); }
table { border-collapse: collapse; width: 100%; min-width: 620px; font-size: 0.94rem; }
caption { caption-side: top; text-align: left; padding: 0.8rem 1rem; font-weight: 700; border-bottom: 1px solid var(--line); }
th, td { padding: 0.7rem 0.9rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
thead th { background: var(--ink); color: var(--white); font-size: 0.8rem; letter-spacing: 0.05em; text-transform: uppercase; }
tbody th { font-weight: 700; width: 28%; }
tbody tr:nth-child(even) { background: #fbf7ee; }
tbody tr:last-child th, tbody tr:last-child td { border-bottom: 0; }
.table-note { font-size: 0.82rem; color: var(--muted); margin-top: -1rem; }

/* Callouts */
.callout {
  border: 1.5px solid var(--ink);
  border-left-width: 7px;
  background: var(--white);
  padding: 1rem 1.1rem;
  margin: 1.5rem 0;
}
.callout p:last-child { margin-bottom: 0; }
.callout-title { font-weight: 800; margin-bottom: 0.3rem; }
.callout-warn { border-left-color: var(--accent); background: #fff4ed; }
.callout-info { border-left-color: var(--teal); background: #eef7f4; }
.callout-note { border-left-color: var(--plate-deep); background: #fffbea; }

/* Checklist */
.checklist { list-style: none; padding: 0; margin: 1rem 0 1.4rem; }
.checklist li { position: relative; padding-left: 1.9rem; margin-bottom: 0.6rem; }
.checklist li::before {
  content: "✓";
  position: absolute; left: 0; top: 0.05rem;
  width: 1.25rem; height: 1.25rem;
  display: grid; place-items: center;
  background: var(--teal); color: var(--white);
  font-size: 0.75rem; font-weight: 800;
}
.checklist-x li::before { content: "×"; background: var(--accent); }

/* Affiliate */
.aff-card {
  position: relative;
  background: #fffbea;
  border: 2px solid var(--ink);
  box-shadow: var(--shadow);
  padding: 1.35rem 1.35rem 1.2rem;
  margin: 1.8rem 0;
}
.aff-card::before {
  content: "";
  position: absolute; inset: 0 0 auto 0;
  height: 7px; background: var(--plate);
}
.aff-label {
  font-family: var(--mono);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin: 0 0 0.5rem;
}
.aff-card h3 { margin-bottom: 0.35rem; }
.aff-card p { font-size: 0.95rem; }
.aff-action { margin: 1rem 0 0.8rem; }
.aff-note { font-size: 0.78rem !important; color: var(--muted); line-height: 1.5; margin: 0; }

/* FAQ */
.faq-list { border-top: 2px solid var(--ink); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary {
  cursor: pointer;
  padding: 1rem 2rem 1rem 0;
  font-weight: 750;
  position: relative;
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute; right: 0.2rem; top: 0.85rem;
  font-family: var(--mono); font-size: 1.2rem; font-weight: 700;
}
.faq-item[open] summary::after { content: "−"; }
.faq-answer { padding: 0 0 1.1rem; max-width: 70ch; }
.faq-answer p { margin: 0; }

/* Sources */
.source-list { list-style: none; padding: 0; }
.source-list li {
  padding: 0.8rem 0;
  border-bottom: 1px solid var(--line);
  font-size: 0.9rem;
}
.source-list a { font-weight: 650; }
.source-meta { display: block; color: var(--muted); font-size: 0.8rem; margin-top: 0.2rem; }

/* TOC */
.toc {
  background: var(--paper-2);
  border: 1.5px solid var(--ink);
  padding: 1rem 1.2rem;
  margin: 1.5rem 0 2rem;
}
.toc p { font-weight: 800; margin-bottom: 0.4rem; }
.toc ol { margin: 0; columns: 2; column-gap: 2rem; font-size: 0.9rem; }
.toc li { break-inside: avoid; }

/* Footer */
.site-footer {
  background: var(--ink);
  color: #d9d2c2;
  padding: 3rem 0 1.2rem;
  border-top: 8px solid var(--plate);
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.8fr 0.9fr 1.15fr;
  gap: 2rem;
}
.footer-logo .brand-dot { color: var(--plate); }
.site-footer strong { color: var(--white); }
.footer-logo { display: flex; align-items: center; gap: 0.5rem; color: var(--white); font-weight: 800; font-size: 1.1rem; margin-bottom: 0.7rem; }
.footer-logo .brand-plate { width: 36px; height: 27px; font-size: 0.7rem; box-shadow: 2px 2px 0 #000; }
.footer-h { color: var(--plate); font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; margin: 0 0 0.7rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 0.4rem; }
.site-footer a { color: #f2ead8; }
.site-footer a:hover { color: var(--plate); }
.footer-data p { font-size: 0.82rem; line-height: 1.55; }
.footer-bottom {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem;
  border-top: 1px solid #3a4767;
  margin-top: 2.2rem; padding-top: 1rem;
  font-size: 0.78rem; color: #b8b1a2;
}
.footer-bottom p { margin: 0; }
.placeholder {
  background: var(--plate);
  color: var(--ink);
  padding: 0.05rem 0.3rem;
  font-family: var(--mono);
  font-size: 0.78em;
  border: 1px solid var(--ink);
}

/* Misc */
.kenteken {
  display: inline-block;
  background: var(--plate);
  border: 2px solid var(--ink);
  border-left: 10px solid #1d4ed8;
  padding: 0.1rem 0.55rem;
  font-family: var(--mono);
  font-weight: 800;
  letter-spacing: 0.06em;
  box-shadow: 2px 2px 0 var(--ink);
}
.pill-row { display: flex; flex-wrap: wrap; gap: 0.45rem; margin: 0.8rem 0 1.2rem; }
.pill {
  display: inline-block;
  border: 1px solid var(--ink);
  background: var(--white);
  padding: 0.18rem 0.55rem;
  font-size: 0.78rem;
  font-weight: 650;
}
.divider-road {
  height: 8px;
  background: repeating-linear-gradient(90deg, var(--plate) 0 26px, var(--ink) 26px 40px);
  margin: 2rem 0;
}
.nowrap { white-space: nowrap; }

@media (max-width: 1000px) {
  .site-nav ul { gap: 0.7rem; }
  .site-nav a { font-size: 0.84rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .menu-toggle { display: inline-flex; }
  .site-nav {
    display: none;
    position: absolute;
    left: 0; right: 0; top: 100%;
    background: var(--paper);
    border-bottom: 2px solid var(--ink);
    padding: 0.7rem 1.25rem 1.1rem;
    flex-direction: column;
    align-items: stretch;
    gap: 0.7rem;
  }
  .site-nav.is-open { display: flex; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .site-nav li { border-bottom: 1px solid var(--line); }
  .site-nav a { display: block; padding: 0.75rem 0; font-size: 1rem; border-bottom: 0; }
  .site-nav a[aria-current="page"] { color: var(--accent-dark); }
  .lang-switch { align-self: flex-start; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero h1 { max-width: 18ch; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat-band { grid-template-columns: 1fr; gap: 1px; }
}

@media (max-width: 620px) {
  body { font-size: 1rem; }
  .wrap, .narrow { width: min(100% - 1.6rem, 1120px); }
  .header-inner { min-height: 66px; }
  .brand { font-size: 1rem; }
  .brand-plate { width: 36px; height: 28px; font-size: 0.72rem; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-actions .btn { width: 100%; }
  .toc ol { columns: 1; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .aff-card { box-shadow: 3px 3px 0 var(--ink); }
  h1 { font-size: clamp(1.95rem, 9vw, 2.7rem); }
  .table-wrap { margin-left: -0.2rem; margin-right: -0.2rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .btn:hover { transform: none; }
}

@media print {
  .site-header, .notice-bar, .site-footer, .aff-card, .menu-toggle { display: none !important; }
  body { background: #fff; }
  a { color: #000; }
  .hero, .section { padding: 1rem 0; }
}