/* agentschade.nl — concept, niet gepubliceerd. Stijl overgenomen uit index.backup-20261110.html */
:root{
  --ink:#16191E;--muted:#5F636A;--line:#E4E1DC;--bg:#F6F5F2;--card:#FFFFFF;
  --accent:#1E5A57;--accent-soft:#7EB3AE;--header:#16191E;--header-muted:#A9AEB6;
  --warn-bg:#FBF6EC;--warn-line:#C9A55C;
}
*{box-sizing:border-box;margin:0;padding:0}
html,body{overflow-x:hidden}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
.w{max-width:1040px;margin:0 auto;padding:0 28px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;color:var(--ink);padding:8px 12px;z-index:10}
header{padding:24px 0;background:var(--header);border-bottom:1px solid #2A2F37}
header .w{display:flex;justify-content:space-between;align-items:center;gap:24px}
.logo{font-weight:700;letter-spacing:-.02em;color:#F4F2EE;font-size:18px;text-decoration:none;white-space:nowrap}
.logo span{color:var(--accent-soft)}
nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:4px 20px}
nav a{color:var(--header-muted);text-decoration:none;font-size:15px}
nav a:hover,nav a[aria-current="page"]{color:#fff}
nav a[aria-current="page"]{border-bottom:2px solid var(--accent-soft)}
.concept-bar{background:var(--warn-bg);border-bottom:1px solid var(--warn-line);font-size:14px;color:#5a4a26;padding:8px 0}
section{padding:88px 0;border-bottom:1px solid var(--line)}
.eyebrow{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);font-weight:600;margin-bottom:20px}
h1{font-size:clamp(34px,5.4vw,64px);letter-spacing:-.035em;line-height:1.08;margin-bottom:28px;max-width:18ch;hyphens:manual;overflow-wrap:normal;word-break:normal}
.page-hero h1{font-size:clamp(30px,4.4vw,52px);max-width:22ch}
.lead{font-size:clamp(20px,2.4vw,28px);line-height:1.35;letter-spacing:-.015em;max-width:760px;margin-bottom:18px}
.sub{color:var(--muted);max-width:640px;font-size:18px}
h2{font-size:clamp(28px,3vw,34px);letter-spacing:-.02em;margin-bottom:28px;line-height:1.15}
h3{font-size:20px;letter-spacing:-.01em;margin-bottom:10px}
.prose{max-width:720px;font-size:18px}
.prose p+p,.prose ul+p,.prose p+ul,.prose ol+p,.prose p+ol,.prose h3+p{margin-top:18px}
.prose h3{margin-top:36px}
.prose ul,.prose ol{margin:18px 0 0 1.2em}
.prose li{margin:8px 0}
.prose a,.inline-link{color:var(--accent);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.note{margin-top:28px;padding:18px 20px;background:#fff;border:1px solid var(--line);border-left:3px solid var(--accent);font-size:16px;color:var(--muted);max-width:720px}
.note.warn{background:var(--warn-bg);border-left-color:var(--warn-line);color:#4d4232}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:6px;padding:28px;display:flex;flex-direction:column;gap:10px}
.card p{color:var(--muted);font-size:16px}
.card .more{margin-top:auto;padding-top:8px;color:var(--accent);font-weight:600;text-decoration:none;font-size:16px}
.card .more:hover{text-decoration:underline;text-underline-offset:3px}
.hero{background:var(--header);color:#F4F2EE;border-bottom:none;padding:110px 0 100px}
.hero .eyebrow{color:var(--accent-soft)}
.hero .sub{color:var(--header-muted)}
.page-hero{padding:72px 0 64px}
.btns{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.btn{display:inline-block;padding:13px 22px;border-radius:6px;font-weight:600;font-size:16px;text-decoration:none;border:2px solid var(--accent);background:var(--accent);color:#fff;cursor:pointer;font-family:inherit}
.btn:hover{background:#174744;border-color:#174744}
.btn.ghost{background:transparent;color:var(--accent)}
.hero .btn.ghost{color:#F4F2EE;border-color:var(--accent-soft)}
.hero .btn.ghost:hover{background:#22272e}
.conditions{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:36px 0 8px;max-width:1040px}
.cond{background:#fff;border:1px solid var(--line);border-radius:6px;padding:24px 26px}
.cond .n{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);font-weight:600;margin-bottom:8px}
.cond h3{margin-bottom:8px}
.cond p{color:var(--muted);font-size:16px}
.dark{background:var(--header);color:#F4F2EE;border-bottom:none}
.dark .eyebrow{color:var(--accent-soft)}
.dark .prose{color:#D5D7DA}
.mail{display:inline-block;margin-top:28px;font-size:20px;font-weight:600;color:#F4F2EE;text-decoration:none;border-bottom:2px solid var(--accent-soft);padding-bottom:2px}
.mail:hover{color:#fff}
.sources{list-style:none;margin:0;padding:0;max-width:760px}
.sources li{padding:16px 0;border-top:1px solid var(--line);font-size:16px}
.sources li:last-child{border-bottom:1px solid var(--line)}
.sources a{color:var(--accent);font-weight:600;text-decoration:none}
.sources a:hover{text-decoration:underline;text-underline-offset:3px}
.sources .src-meta{display:block;color:var(--muted);font-size:14px;margin-top:4px}
.disclaimer{max-width:760px;font-size:15px;color:var(--muted);line-height:1.6}
table.facts{border-collapse:collapse;width:100%;max-width:820px;margin-top:24px;font-size:16px;background:#fff}
table.facts th,table.facts td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
table.facts th{background:#EFEDE8;font-weight:600;width:32%}
/* formulier en check */
form{max-width:720px}
.field{margin-bottom:20px}
label,legend{display:block;font-weight:600;margin-bottom:6px;font-size:16px}
fieldset{border:1px solid var(--line);background:#fff;border-radius:6px;padding:20px 22px;margin-bottom:20px}
fieldset legend{padding:0 6px}
.hint{display:block;color:var(--muted);font-size:14px;font-weight:400;margin-top:2px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;padding:11px 12px;border:1px solid #C9C5BE;border-radius:5px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus,.btn:focus,a:focus{outline:3px solid var(--accent-soft);outline-offset:2px}
.choice{display:flex;gap:10px;align-items:flex-start;font-weight:400;margin:8px 0;font-size:16px}
.choice input{margin-top:5px;flex:none}
.result{margin-top:28px;padding:24px 26px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:4px;max-width:720px}
.result[hidden]{display:none}
.result h3{margin-bottom:12px}
.result ul{margin:12px 0 0 1.2em}
.result li{margin:6px 0}
.result .tag{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:20px;background:#E6F0EF;color:var(--accent);margin-bottom:12px}
.result .tag.amber{background:#F7EBD3;color:#7A5A12}
.result .tag.grey{background:#ECEBE8;color:#4D5157}
.formmsg{margin-top:18px;padding:16px 18px;background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:4px;font-size:16px}
.formmsg[hidden]{display:none}
footer{padding:44px 0;background:var(--header);color:#8F959E;font-size:14px;border-top:1px solid #2A2F37}
footer .cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px}
footer a{color:#C3C8CF;text-decoration:none;margin-right:18px}
footer a:hover{color:#fff;text-decoration:underline}
@media(max-width:900px){
  .grid,.grid.two,.conditions{grid-template-columns:1fr}
  section{padding:64px 0}
  .hero{padding:72px 0 64px}
  .page-hero{padding:56px 0 48px}
  header .w{flex-direction:column;align-items:flex-start;gap:12px}
  nav{justify-content:flex-start;gap:6px 16px}
  nav a{font-size:14px}
}
@media(max-width:700px){
  .w{padding:0 20px}
  .card,.cond{padding:22px}
  h1{max-width:none}
  table.facts th{width:40%}
}
/* logo */
.logo img{display:block;height:32px;width:auto}
@media(max-width:700px){.logo img{height:28px}}