/* ============================================================
   Fit in Finance · site.css · redesign 2026 (premium)
   Gedeeld designsysteem voor alle pagina's.
   Principes: veel witruimte, typografie draagt het design,
   sobere kleurtoepassing (navy = inkt, teal = accent,
   amber = alleen de hoofd-CTA), geen decoratieve beweging.
   ============================================================ */

:root {
  --navy: #1B2A4A;
  --navy-light: #2D4470;
  --teal: #2A9D8F;
  --teal-light: #5BBFB5;
  --teal-wash: #E8F6F4;
  --amber: #E8985A;
  --amber-dark: #D97E3B;
  --bg: #FFFFFF;
  --bg-soft: #F8F7F4;
  --heading: #1E1E1C;
  --body: #4A4945;
  --muted: #8A8880;
  --border: #E5E3DE;
  --radius-btn: 8px;
  --radius-card: 12px;
  --radius-section: 16px;
  --maxw: 1140px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }

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

/* ---------- Typografie ---------- */
h1, h2, h3 { color: var(--navy); letter-spacing: -0.02em; line-height: 1.15; }
h1 { font-size: clamp(2.5rem, 5vw, 3.75rem); font-weight: 700; }
h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 600; line-height: 1.3; }
.lead { font-size: 1.25rem; line-height: 1.6; color: var(--body); }
.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 16px;
}
.section-intro { max-width: 640px; margin-bottom: 56px; }
.section-intro p { margin-top: 16px; font-size: 1.125rem; }

/* ---------- Knoppen ---------- */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: var(--radius-btn);
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  transition: background-color .15s ease, border-color .15s ease, color .15s ease;
  cursor: pointer;
  border: none;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--amber); color: #FFFFFF; }
.btn-primary:hover { background: var(--amber-dark); }
.btn-secondary { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-secondary:hover { background: var(--navy); color: #FFFFFF; }
.btn-teal { background: var(--teal); color: #FFFFFF; }
.btn-teal:hover { background: var(--teal-light); }
.btn-white { background: #FFFFFF; color: var(--navy); }
.btn-white:hover { background: var(--bg-soft); }

/* ---------- Navigatie ---------- */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s ease;
}
.nav.scrolled { border-bottom-color: var(--border); }
.nav-inner {
  max-width: var(--maxw); margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 76px;
}
.nav-logo img { height: 44px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }
.nav-links a { color: var(--heading); font-size: 0.9375rem; font-weight: 500; }
.nav-links a:hover { color: var(--teal); text-decoration: none; }
.nav-cta { display: flex; align-items: center; gap: 20px; }
.nav-cta .btn { padding: 11px 22px; font-size: 0.9375rem; }
.nav-burger {
  display: none; background: none; border: none; cursor: pointer;
  width: 44px; height: 44px; align-items: center; justify-content: center;
}
.nav-burger svg { stroke: var(--navy); }

/* ---------- Hero ---------- */
.hero { padding: 96px 0 104px; }
.hero-grid {
  display: grid; grid-template-columns: 0.95fr 1.05fr;
  gap: 64px; align-items: center;
}
.hero h1 { margin-bottom: 24px; }
.hero .lead { margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-note { margin-top: 20px; font-size: 0.9375rem; color: var(--muted); }
.hero-visual img {
  border-radius: var(--radius-section);
  box-shadow: 0 24px 64px -32px rgba(27, 42, 74, 0.35);
}

/* ---------- Trust strip ---------- */
.trust { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-inner {
  max-width: var(--maxw); margin: 0 auto; padding: 28px 24px;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.trust-item { text-align: center; font-size: 0.9375rem; color: var(--body); }
.trust-item strong { display: block; color: var(--navy); font-weight: 600; margin-bottom: 2px; }

/* ---------- Secties ---------- */
.section { padding: 112px 0; }
.section-soft { background: var(--bg-soft); }

/* ---------- Cards: dienstverlening ---------- */
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 36px 32px;
}
.card-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--teal-wash);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
}
.card-icon svg { stroke: var(--teal); }
.card h3 { margin-bottom: 12px; }
.card p { font-size: 0.9375rem; margin-bottom: 20px; }
.card ul { list-style: none; }
.card li {
  font-size: 0.9375rem; padding: 7px 0 7px 28px; position: relative;
  border-top: 1px solid var(--bg-soft);
}
.card li::before {
  content: ""; position: absolute; left: 0; top: 13px;
  width: 16px; height: 16px;
  background: var(--teal);
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
}

/* ---------- Stappen ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { padding: 8px 8px 0; }
.step-num {
  font-size: 0.875rem; font-weight: 600; color: var(--teal);
  letter-spacing: 0.06em; margin-bottom: 12px; display: block;
}
.step img {
  border-radius: var(--radius-card); aspect-ratio: 4 / 3; object-fit: cover;
  margin-bottom: 24px; border: 1px solid var(--border);
}
.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.9375rem; }

/* ---------- Prijzen ---------- */
.pricing { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
.price-card {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 36px 32px;
  display: flex; flex-direction: column; position: relative;
}
.price-card.featured { border: 2px solid var(--navy); }
.price-badge {
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%);
  background: var(--navy); color: #FFFFFF;
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.05em;
  padding: 4px 14px; border-radius: 999px; white-space: nowrap;
}
.price-card h3 { margin-bottom: 4px; }
.price-sub { font-size: 0.9375rem; color: var(--muted); margin-bottom: 24px; }
.price-amount { font-size: 2.5rem; font-weight: 700; color: var(--navy); letter-spacing: -0.02em; }
.price-amount span { font-size: 1rem; font-weight: 400; color: var(--muted); letter-spacing: 0; }
.price-card ul { list-style: none; margin: 24px 0 32px; flex: 1; }
.price-card li {
  font-size: 0.9375rem; padding: 7px 0 7px 28px; position: relative;
  border-top: 1px solid var(--bg-soft);
}
.price-card li::before {
  content: ""; position: absolute; left: 0; top: 13px;
  width: 16px; height: 16px; background: var(--teal);
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
}
.price-card .btn { width: 100%; text-align: center; }
.pricing-footer { margin-top: 40px; text-align: center; font-size: 1rem; }
.pricing-footer a { font-weight: 600; }

/* ---------- Reviews ---------- */
.review-card {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 32px;
  display: flex; flex-direction: column;
}
.review-stars { color: var(--amber); font-size: 0.9375rem; letter-spacing: 2px; margin-bottom: 16px; }
.review-text { font-size: 0.9375rem; flex: 1; }
.review-author { margin-top: 24px; display: flex; align-items: center; gap: 12px; }
.review-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #FFFFFF; font-weight: 600; font-size: 0.9375rem;
}
.review-author strong { display: block; color: var(--navy); font-size: 0.9375rem; font-weight: 600; }
.review-author span { font-size: 0.8125rem; color: var(--muted); }

/* ---------- Team ---------- */
.team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 880px; }
.team-card {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 40px 36px;
  display: flex; gap: 28px; align-items: flex-start;
}
.team-card img {
  width: 112px; height: 112px; border-radius: 50%; object-fit: cover;
  flex-shrink: 0; border: 3px solid var(--teal-wash);
}
.team-card h3 { margin-bottom: 2px; }
.team-role { font-size: 0.875rem; color: var(--teal); font-weight: 600; margin-bottom: 12px; }
.team-card p { font-size: 0.9375rem; }

/* ---------- CTA-sectie ---------- */
.cta-section { background: var(--navy); border-radius: 0; padding: 96px 0; }
.cta-section .container { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center; }
.cta-section h2 { color: #FFFFFF; margin-bottom: 16px; }
.cta-section p { color: rgba(255, 255, 255, 0.85); font-size: 1.125rem; margin-bottom: 32px; max-width: 480px; }
.cta-contact { list-style: none; }
.cta-contact li { padding: 10px 0; color: rgba(255, 255, 255, 0.85); font-size: 1rem; border-top: 1px solid rgba(255, 255, 255, 0.12); }
.cta-contact li:first-child { border-top: none; }
.cta-contact a { color: #FFFFFF; font-weight: 500; }
.cta-contact strong { color: #FFFFFF; font-weight: 600; margin-right: 8px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy); border-top: 1px solid rgba(255, 255, 255, 0.12); padding: 72px 0 40px; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}
.footer-brand img { height: 28px; width: auto; margin-bottom: 20px; }
.footer-brand p { color: rgba(255, 255, 255, 0.65); font-size: 0.875rem; max-width: 260px; }
.footer h4 {
  color: #FFFFFF; font-size: 0.8125rem; font-weight: 600;
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 18px;
}
.footer ul { list-style: none; }
.footer li { padding: 5px 0; }
.footer li a { color: rgba(255, 255, 255, 0.75); font-size: 0.9375rem; }
.footer li a:hover { color: #FFFFFF; }
.footer-bottom {
  padding-top: 32px; display: flex; justify-content: space-between;
  flex-wrap: wrap; gap: 12px;
  color: rgba(255, 255, 255, 0.55); font-size: 0.8125rem;
}

/* ---------- Werkwijze: afwisselende rijen (beeld groot) ---------- */
.flow { display: flex; flex-direction: column; gap: 96px; }
.flow-row { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 64px; align-items: center; }
.flow-row.rev .flow-visual { order: 2; }
.flow-visual img {
  border-radius: var(--radius-section);
  border: 1px solid var(--border);
  box-shadow: 0 24px 64px -32px rgba(27, 42, 74, 0.25);
}
.flow-content h3 { font-size: 1.5rem; margin: 12px 0 12px; }
.flow-content p { margin-bottom: 16px; }
.checklist { list-style: none; }
.checklist li {
  font-size: 0.9375rem; padding: 7px 0 7px 28px; position: relative;
}
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 13px;
  width: 16px; height: 16px; background: var(--teal);
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / contain no-repeat;
}

/* ---------- Sparren-sectie ---------- */
.sparren {
  background: var(--teal-wash);
  border-radius: var(--radius-section);
  padding: 64px;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center;
}
.sparren h2 { margin-bottom: 16px; }
.sparren .lead { font-size: 1.0625rem; }
.sparren-punten { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.sparren-punten li {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 18px 22px; font-size: 0.9375rem;
}
.sparren-punten strong { display: block; color: var(--navy); font-weight: 600; margin-bottom: 2px; }

/* ---------- Prijzen: volledige opstelling ---------- */
.pricing-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; align-items: stretch; }
.pricing-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; max-width: 760px; margin: 0 auto; align-items: stretch; }
.price-groep { margin-top: 64px; }
.price-groep-kop { font-size: 1.25rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.price-groep-sub { font-size: 0.9375rem; color: var(--muted); margin-bottom: 28px; }
.vof-note {
  margin-top: 24px; background: var(--teal-wash);
  border-radius: var(--radius-card); padding: 20px 26px;
  font-size: 0.9375rem; color: var(--body);
}
.vof-note strong { color: var(--navy); }
.plus-banner {
  margin-top: 64px; background: var(--navy); border-radius: var(--radius-section);
  padding: 48px 56px; display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: center;
}
.plus-banner h3 { color: #FFFFFF; font-size: 1.5rem; margin-bottom: 10px; }
.plus-banner p { color: rgba(255, 255, 255, 0.85); font-size: 0.9375rem; }
.plus-banner p a { color: #FFFFFF; font-weight: 600; white-space: nowrap; }
.plus-prijzen { display: flex; gap: 16px; justify-content: flex-end; flex-wrap: wrap; }
.plus-optie {
  background: rgba(255, 255, 255, 0.08); border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-card); padding: 20px 26px; text-align: center; min-width: 150px;
}
.plus-optie .bedrag { font-size: 1.75rem; font-weight: 700; color: #FFFFFF; }
.plus-optie .bedrag span { font-size: 0.875rem; font-weight: 400; color: rgba(255, 255, 255, 0.7); }
.plus-optie .voor { font-size: 0.8125rem; color: rgba(255, 255, 255, 0.7); margin-top: 4px; }

/* ---------- Dit zie je live ---------- */
.live-noot { margin-top: 24px; font-size: 0.8125rem; color: var(--muted); text-align: center; }
.banken {
  margin-top: 40px; padding: 22px 28px;
  border: 1px solid var(--border); border-radius: var(--radius-card);
  display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
}
.banken-label { font-size: 0.8125rem; font-weight: 600; color: var(--navy); white-space: nowrap; }
.banken-namen { display: flex; flex-wrap: wrap; gap: 8px 22px; }
.banken-namen span { font-size: 0.875rem; color: var(--muted); font-weight: 500; }

/* ---------- Prijstabel (regiopagina's) ---------- */
.prijs-tabel-wrap {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); overflow: hidden; max-width: 760px;
}
.prijs-tabel { width: 100%; border-collapse: collapse; font-size: 0.9375rem; }
.prijs-tabel th {
  background: var(--bg-soft); text-align: left; padding: 14px 20px;
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--navy);
}
.prijs-tabel td { padding: 13px 20px; border-top: 1px solid var(--border); }
.prijs-tabel td strong { color: var(--navy); }
.prijs-tabel .prijs-col { text-align: right; font-weight: 700; color: var(--navy); white-space: nowrap; }

/* ---------- Werkgebied ---------- */
.regio-links { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.regio-links a {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 20px 22px;
  text-decoration: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.regio-links a:hover { border-color: var(--teal); box-shadow: 0 12px 28px -18px rgba(42, 157, 143, 0.4); text-decoration: none; }
.regio-links span { display: block; font-size: 0.75rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600; }
.regio-links strong { color: var(--navy); font-size: 1.0625rem; font-weight: 700; }
@media (max-width: 1024px) { .regio-links { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px) { .regio-links { grid-template-columns: 1fr 1fr; } }

/* ---------- Prijzen-staffel (klikbare preview) ---------- */
a.staffel {
  display: block;
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-section);
  padding: 48px 48px 32px;
  text-decoration: none;
  color: var(--body);
  transition: border-color .15s ease, box-shadow .15s ease;
}
a.staffel:hover {
  text-decoration: none;
  border-color: var(--teal);
  box-shadow: 0 16px 48px -28px rgba(42, 157, 143, 0.4);
}
.staffel-bars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; align-items: end; }
.sb { display: flex; flex-direction: column; justify-content: flex-end; align-items: center; text-align: center; }
.sb-badge {
  font-size: 0.6875rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase;
  background: var(--navy); color: #FFFFFF; padding: 3px 10px; border-radius: 999px; margin-bottom: 10px;
}
.sb-prijs { font-size: 1.625rem; font-weight: 700; color: var(--navy); letter-spacing: -0.02em; margin-bottom: 12px; }
.sb-prijs span { font-size: 0.8125rem; font-weight: 400; color: var(--muted); letter-spacing: 0; }
.sb-balk {
  display: block; width: 100%;
  background: linear-gradient(165deg, #8FD0C7 0%, #4FB3A6 45%, #2A9D8F 100%);
  border-radius: 16px;
  box-shadow:
    inset 0 6px 12px rgba(255, 255, 255, 0.45),
    inset 0 -8px 14px rgba(27, 42, 74, 0.22),
    inset 2px 0 6px rgba(255, 255, 255, 0.18),
    0 14px 28px -14px rgba(42, 157, 143, 0.55);
}
.sb-naam { margin-top: 14px; font-weight: 600; color: var(--navy); font-size: 0.9375rem; }
.sb-sub { color: var(--muted); font-size: 0.8125rem; margin-top: 2px; }
.staffel-voet {
  margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--border);
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
  font-size: 0.9375rem;
}
.staffel-voet strong { color: var(--navy); }
.staffel-link { color: var(--teal); font-weight: 600; white-space: nowrap; }
a.staffel:hover .staffel-link { text-decoration: underline; }

/* ---------- Referral met beeld ---------- */
.referral-top { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px; align-items: center; margin-bottom: 56px; }
.referral-top .section-intro { margin-bottom: 0; }
.referral-top img {
  border-radius: var(--radius-section);
  border: 1px solid var(--border);
  box-shadow: 0 24px 64px -32px rgba(27, 42, 74, 0.25);
}

/* ---------- Jaaroverzicht ---------- */
.jaar-visual { margin-bottom: 48px; }
.jaar-visual img {
  width: 100%;
  border-radius: var(--radius-section);
  border: 1px solid var(--border);
  box-shadow: 0 24px 64px -32px rgba(27, 42, 74, 0.25);
}
.year-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.year-tile {
  background: #FFFFFF; border: 1px solid var(--border);
  border-radius: var(--radius-card); padding: 26px 28px;
}
.year-tile .maand { font-size: 0.8125rem; font-weight: 600; color: var(--teal); letter-spacing: 0.06em; text-transform: uppercase; }
.year-tile h3 { font-size: 1.0625rem; margin: 8px 0 6px; }
.year-tile p { font-size: 0.875rem; }
.year-altijd {
  margin-top: 24px; background: var(--teal-wash); border-radius: var(--radius-card);
  padding: 20px 26px; font-size: 0.9375rem;
}
.year-altijd strong { color: var(--navy); }

/* ---------- Referral ---------- */
.referral-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
.referral-step { padding: 0 8px; }
.referral-step .nr {
  width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #FFFFFF;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 1rem; margin-bottom: 16px;
}
.referral-step h3 { font-size: 1.0625rem; margin-bottom: 6px; }
.referral-step p { font-size: 0.9375rem; }
.referral-cta { text-align: center; }
.referral-cta .btn { margin-top: 8px; }
.referral-hl { color: var(--teal); font-weight: 700; }

/* ---------- Contactformulier ---------- */
.contact-form {
  background: #FFFFFF; border-radius: var(--radius-section); padding: 36px;
  display: grid; gap: 16px;
}
.contact-form label { font-size: 0.8125rem; font-weight: 600; color: var(--navy); display: block; margin-bottom: 6px; }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border);
  border-radius: var(--radius-btn); font-family: inherit; font-size: 0.9375rem;
  color: var(--heading); background: #FFFFFF;
}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  outline: 2px solid var(--teal); outline-offset: -1px; border-color: var(--teal);
}
.form-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-form .btn { width: 100%; text-align: center; }
.form-status { font-size: 0.875rem; text-align: center; display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-grid { gap: 48px; }
  .cards-3, .steps, .pricing { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
  .pricing-4 { grid-template-columns: 1fr 1fr; }
  .year-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .plus-banner { grid-template-columns: 1fr; padding: 40px; }
  .plus-prijzen { justify-content: flex-start; }
  .sparren { padding: 44px; grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .hero { padding: 56px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .flow { gap: 56px; }
  .flow-row { grid-template-columns: 1fr; gap: 28px; }
  a.staffel { padding: 28px 20px 20px; }
  .staffel-bars { gap: 14px; }
  .sb-prijs { font-size: 1.125rem; }
  .sb-sub { display: none; }
  .referral-top { grid-template-columns: 1fr; gap: 32px; }
  .flow-row.rev .flow-visual { order: 0; }
  .pricing-4, .pricing-2, .referral-steps, .year-grid { grid-template-columns: 1fr; }
  .form-2col { grid-template-columns: 1fr; }
  .trust-inner { grid-template-columns: 1fr 1fr; gap: 20px; }
  .team-grid { grid-template-columns: 1fr; }
  .team-card { flex-direction: column; }
  .cta-section .container { grid-template-columns: 1fr; gap: 40px; }
  .nav-links { display: none; }
  .nav-cta .btn { display: none; }
  .nav-burger { display: flex; }
  .nav-links.open {
    display: flex; flex-direction: column; gap: 0;
    position: absolute; top: 76px; left: 0; right: 0;
    background: #FFFFFF; border-bottom: 1px solid var(--border);
    padding: 12px 24px 20px;
  }
  .nav-links.open li { padding: 10px 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}