.ch23{max-width:1160px;margin:0 auto;padding:30px 20px 95px;color:#183f32}.ch23 .kicker{font-size:12px;color:#27734d;font-weight:800;letter-spacing:.12em}.ch23 h1{font-size:clamp(32px,4.6vw,53px);max-width:850px;line-height:1.15;margin:12px 0}.ch23 h2{font-size:clamp(23px,3vw,34px);line-height:1.2}.ch23 .intro{font-size:18px;color:#50685a;max-width:850px;line-height:1.75}.ch23 .cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin:30px 0}.ch23 .cards a{background:#f2f8f4;border:1px solid #d5e4d9;border-radius:18px;padding:22px;text-decoration:none;color:#153e30;display:block}.ch23 .cards a:hover,.ch23 .cards a:focus{border-color:#247c52;box-shadow:0 9px 28px #153f3015}.ch23 .cards b{font-size:19px;display:block;margin-bottom:10px}.ch23 .cards span{font-size:14px;line-height:1.7;color:#586e60}.ch23 .panel{background:#f4f8f5;border:1px solid #dce7dd;border-radius:22px;padding:clamp(20px,4vw,38px);margin:30px 0}.ch23 details{border-bottom:1px solid #dce8e1;padding:17px 0}.ch23 details:last-child{border-bottom:0}.ch23 summary{font-weight:750;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:14px;line-height:1.5}.ch23 summary::after{content:'+';color:#337956;font-size:25px;line-height:1}.ch23 details[open] summary::after{content:'−'}.ch23 details p{line-height:1.75;color:#455c4d;margin:12px 0 2px}.ch23 .cta{display:inline-block;background:#176342;color:#fff;text-decoration:none;padding:15px 22px;border-radius:12px;font-weight:750;margin:10px 10px 5px 0}.ch23 .secondary{background:#e4eee7;color:#1c553b}.ch23 .small{font-size:14px;color:#627266;line-height:1.7}.ch23 .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.ch23 .steps div{background:white;border:1px solid #dce7dd;padding:17px;border-radius:14px;line-height:1.65}.ch23 .steps b{display:block;margin-bottom:7px}@media(max-width:780px){.ch23 .cards{grid-template-columns:repeat(2,minmax(0,1fr))}.ch23 .steps{grid-template-columns:1fr}}@media(max-width:540px){.ch23 .cards{grid-template-columns:1fr}.ch23{padding:24px 16px 80px}.ch23 .intro{font-size:16px}}
/* v24 – inhoudelijke adviespagina’s en aanvullende contracthulp */
.ch24-extra{padding:17px 19px;margin:16px 0;background:#f1f7f3;border:1px solid #d5e5d9;border-radius:14px;color:#153d30}.ch24-extra label{display:flex;gap:11px;align-items:flex-start;font-weight:750;line-height:1.5;cursor:pointer}.ch24-extra input{width:18px;height:18px;flex:0 0 18px;margin-top:3px;accent-color:#236847}.ch24-extra p{margin:8px 0 0 29px;color:#526b5e;font-size:13px;line-height:1.6}.ch24-guide{background:#fff;border:1px solid #dae7dd;border-radius:20px;padding:clamp(20px,4vw,40px);margin:28px 0;color:#193b30}.ch24-guide h2{margin-top:0}.ch24-guide h3{margin:24px 0 8px;font-size:19px}.ch24-guide p{line-height:1.85;color:#475e52}.ch24-guide section{border-top:1px solid #e2eae4;margin-top:20px}.ch24-guide .ch24-end{font-weight:600;color:#224b36}.ch24-context{padding:14px 18px;border-left:3px solid #b29c6a;background:#f8faf7;border-radius:8px;color:#426052;line-height:1.7}.ch24-context a{color:#196447;font-weight:750}