/* Onafhankelijk Financieel — shared styles */
:root {
    --ink: #1a1a1a;
    --ink-soft: #4a4a4a;
    --ink-muted: #767676;
    --line: #e6e6e6;
    --paper: #fafaf7;
    --accent: #b8341a;
    --accent-soft: #f8e8e3;
    --max-width: 720px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; }
body {
    font-family: 'Source Serif 4', Georgia, 'Times New Roman', serif;
    font-size: 18px;
    line-height: 1.65;
    color: var(--ink);
    background: var(--paper);
    -webkit-font-smoothing: antialiased;
}
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }

.advertorial-bar {
    background: #fff8e1;
    border-bottom: 1px solid #f0d97e;
    padding: 10px 20px;
    font-family: 'Inter', sans-serif;
    font-size: 13px;
    color: #6b5400;
    text-align: center;
}
.advertorial-bar strong { color: #4a3900; }

header.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.site-header .container { display: flex; align-items: center; justify-content: space-between; padding-top: 18px; padding-bottom: 18px; }
.site-logo { font-family: 'Source Serif 4', serif; font-weight: 700; font-size: 20px; letter-spacing: -0.01em; color: var(--ink); text-decoration: none; }
.site-nav { font-family: 'Inter', sans-serif; font-size: 14px; color: var(--ink-muted); }
.site-nav a { color: inherit; text-decoration: none; margin-left: 18px; }
.site-nav a:hover { color: var(--ink); }

article { padding: 48px 0 64px; }
.article-kicker { font-family: 'Inter', sans-serif; font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent); margin-bottom: 16px; }
h1 { font-size: 38px; line-height: 1.18; font-weight: 700; letter-spacing: -0.015em; margin-bottom: 20px; }
.article-lead { font-size: 20px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 32px; }
.article-meta { font-family: 'Inter', sans-serif; font-size: 13px; color: var(--ink-muted); padding-top: 20px; padding-bottom: 24px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); display: flex; align-items: center; flex-wrap: wrap; gap: 14px; }
.article-meta .author { color: var(--ink); font-weight: 500; }
.article-meta .sep { opacity: 0.5; }

.disclosure-inline { background: var(--accent-soft); border-left: 3px solid var(--accent); padding: 14px 18px; margin: 28px 0; font-family: 'Inter', sans-serif; font-size: 14px; line-height: 1.55; color: var(--ink-soft); }
.disclosure-inline strong { color: var(--ink); }

article h2 { font-size: 26px; line-height: 1.25; font-weight: 700; letter-spacing: -0.01em; margin: 40px 0 16px; }
article h3 { font-size: 20px; line-height: 1.3; font-weight: 600; margin: 28px 0 10px; }
article p { margin: 0 0 18px; }
article ul, article ol { margin: 0 0 22px; padding-left: 24px; }
article li { margin-bottom: 8px; }
article a { color: var(--accent); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
article a:hover { text-decoration-thickness: 2px; }

.pull-quote { font-family: 'Source Serif 4', serif; font-style: italic; font-size: 22px; line-height: 1.45; color: var(--ink); border-left: 3px solid var(--accent); padding: 8px 0 8px 20px; margin: 28px 0; }

/* Article images */
figure.article-image { margin: 32px 0 28px; }
figure.article-image.hero { margin-top: 0; margin-bottom: 32px; }
figure.article-image img { display: block; width: 100%; height: auto; border-radius: 4px; }
figure.article-image figcaption {
    font-family: 'Inter', sans-serif;
    font-size: 13px;
    color: var(--ink-muted);
    line-height: 1.5;
    margin-top: 10px;
    padding-left: 2px;
}
figure.article-image figcaption a {
    color: var(--ink-muted);
    text-decoration: underline;
    text-decoration-color: rgba(118,118,118,0.4);
}
figure.article-image figcaption a:hover { color: var(--ink); text-decoration-color: var(--ink); }

.verdict { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 28px 0 32px; font-family: 'Inter', sans-serif; font-size: 15px; }
.verdict-col { padding: 22px; border: 1px solid var(--line); background: #fff; border-radius: 4px; }
.verdict-col h4 { font-size: 14px; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; font-weight: 700; }
.verdict-col.pros h4 { color: #1a6b3a; }
.verdict-col.cons h4 { color: #a23618; }
.verdict-col ul { padding-left: 18px; margin: 0; }
.verdict-col li { margin-bottom: 6px; line-height: 1.5; }
@media (max-width: 600px) { .verdict { grid-template-columns: 1fr; } }

.cta-block { background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 28px; margin: 36px 0; text-align: center; }
.cta-block .cta-label { font-family: 'Inter', sans-serif; font-size: 12px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--ink-muted); margin-bottom: 8px; }
.cta-block h3 { font-size: 22px; margin: 0 0 8px; font-weight: 700; }
.cta-block p { color: var(--ink-soft); font-size: 16px; margin-bottom: 18px; }
.cta-button { display: inline-block; background: var(--accent); color: #fff; font-family: 'Inter', sans-serif; font-weight: 600; font-size: 16px; text-decoration: none; padding: 13px 32px; border-radius: 3px; transition: background 0.15s ease; }
.cta-button:hover { background: #962a13; text-decoration: none; }
.cta-disclaimer { font-family: 'Inter', sans-serif; font-size: 12px; color: var(--ink-muted); margin-top: 12px; line-height: 1.5; }

.faq { margin: 36px 0; }
.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; font-family: 'Inter', sans-serif; }
.faq details:first-child { border-top: 1px solid var(--line); }
.faq summary { font-weight: 600; font-size: 17px; cursor: pointer; list-style: none; position: relative; padding-right: 30px; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 0; top: -2px; font-size: 24px; color: var(--ink-muted); font-weight: 400; }
.faq details[open] summary::after { content: '−'; }
.faq details[open] summary { color: var(--accent); }
.faq details p { font-family: 'Source Serif 4', serif; font-size: 16px; color: var(--ink-soft); margin-top: 12px; line-height: 1.6; }

.author-card { display: flex; align-items: flex-start; gap: 16px; background: #fff; border: 1px solid var(--line); padding: 22px; margin: 40px 0 0; font-family: 'Inter', sans-serif; font-size: 14px; line-height: 1.55; color: var(--ink-soft); border-radius: 4px; }
.author-avatar { width: 56px; height: 56px; border-radius: 50%; background: linear-gradient(135deg, #b8341a 0%, #d4583e 100%); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 22px; flex-shrink: 0; font-family: 'Source Serif 4', serif; }
.author-card .author-name { color: var(--ink); font-weight: 600; font-size: 15px; margin-bottom: 2px; }

.simple-page { padding: 48px 0 64px; }
.simple-page p { margin: 0 0 18px; color: var(--ink-soft); }
.simple-page p strong { color: var(--ink); }
.simple-page h2 { font-size: 24px; line-height: 1.3; font-weight: 700; margin: 36px 0 14px; }
.simple-page ul { margin: 0 0 22px; padding-left: 24px; color: var(--ink-soft); }
.simple-page li { margin-bottom: 8px; }

footer.site-footer { background: #1a1a1a; color: #b3b3b3; font-family: 'Inter', sans-serif; font-size: 13px; line-height: 1.7; padding: 48px 20px 32px; margin-top: 64px; }
.site-footer .container { max-width: var(--max-width); margin: 0 auto; padding: 0; }
.site-footer h5 { color: #fff; font-size: 14px; font-weight: 600; margin-bottom: 10px; text-transform: uppercase; letter-spacing: 0.05em; }
.site-footer .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
@media (max-width: 600px) { .site-footer .footer-grid { grid-template-columns: 1fr; gap: 24px; } }
.site-footer a { color: #d4d4d4; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-bottom { border-top: 1px solid #333; padding-top: 20px; font-size: 12px; color: #888; line-height: 1.6; }
.footer-bottom p { margin-bottom: 8px; }