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a:hover{color:var(--ink)}.iz-btn{cursor:pointer;font-family:var(--iz-font-body),sans-serif;border:none;border-radius:999px;justify-content:center;align-items:center;gap:8px;padding:13px 26px;font-size:15px;font-weight:600;transition:transform .15s,box-shadow .15s,background .15s;display:inline-flex}.iz-btn-primary{background:var(--primary);color:#fff;box-shadow:0 8px 20px #5046e54d,0 2px 6px #5046e52e}.iz-shell .iz-btn-primary{color:#fff}.iz-btn-primary:hover{background:var(--primary-deep);transform:translateY(-2px);box-shadow:0 14px 28px #5046e561,0 4px 10px #5046e538}.iz-btn-sm{padding:10px 20px;font-size:14px}.iz-btn-block{width:100%}.iz-btn[disabled]{opacity:.6;cursor:default;transform:none}.iz-form-card{background:var(--bg-card);border:1px solid var(--line);box-shadow:var(--shadow-lg);border-radius:20px;overflow:hidden}@media (min-width:1101px){.iz-form-card{position:sticky;top:96px}}.iz-form-body{padding:26px 28px 28px}.iz-form-row{grid-template-columns:1fr 1fr;gap:14px;display:grid}.iz-field{margin-bottom:16px}.iz-field label{color:var(--ink-2);margin-bottom:6px;font-size:13px;font-weight:600;display:block}.iz-field input,.iz-field textarea,.iz-field select{width:100%;font-family:var(--iz-font-body),sans-serif;color:var(--ink);background:var(--bg);border:1px solid var(--line-2);border-radius:12px;outline:none;padding:11px 14px;font-size:15px;transition:border-color .15s,box-shadow .15s}.iz-field input:focus,.iz-field textarea:focus,.iz-field select:focus{border-color:var(--primary);box-shadow:0 0 0 3px #5046e524}.iz-check{color:var(--ink-2);cursor:pointer;align-items:flex-start;gap:10px;margin:4px 0 18px;font-size:13.5px;display:flex}.iz-check input{width:16px;height:16px;accent-color:var(--primary);cursor:pointer;flex:none;margin-top:3px}.iz-form-error{color:var(--danger);background:#e0464d14;border:1px solid #e0464d4d;border-radius:12px;margin-bottom:16px;padding:11px 14px;font-size:13.5px}.iz-form-success{text-align:center;padding:28px 8px}.iz-form-success-icon{width:52px;height:52px;color:var(--ok);background:#16a34a1a;border-radius:50%;justify-content:center;align-items:center;margin-bottom:16px;display:inline-flex}.iz-form-success h3{margin-bottom:8px;font-size:19px;font-weight:700}.iz-form-success p{color:var(--ink-2);font-size:14.5px}.iz-panel-mark{border-radius:50%;flex:none;justify-content:center;align-items:center;width:24px;height:24px;display:inline-flex}.iz-panel-do .iz-panel-mark{background:#16a34a24}.iz-panel-dont .iz-panel-mark{background:#e0464d24}.iz-footer{background:var(--bg-deep);color:#ffffffa6;margin-top:88px;padding:64px 0 36px}.iz-footer-grid{grid-template-columns:1.4fr 1fr 1fr;gap:48px;margin-bottom:48px;display:grid}.iz-footer .iz-brand-name{color:#fff}.iz-footer .iz-brand-name b{color:var(--primary-2)}.iz-footer-tagline{max-width:320px;margin-top:14px;font-size:14px}.iz-footer-col h3{color:#fff;margin-bottom:16px;font-size:14px;font-weight:700}.iz-footer-col ul{margin:0;padding:0;list-style:none}.iz-footer-col li{margin-bottom:10px}.iz-footer-col a{color:#ffffffa6;font-size:14px;transition:color .15s}.iz-footer-col a:hover{color:#fff}.iz-footer-bottom{border-top:1px solid #ffffff1f;padding-top:28px}.iz-footer-disclaimer{color:#ffffff80;max-width:760px;margin-bottom:14px;font-size:13px}.iz-footer-copy{color:#ffffff9e;font-size:13px}@media (max-width:1100px){.iz-hero-grid{grid-template-columns:1fr;gap:44px}.iz-faq-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto}.iz-duo{grid-template-columns:1fr}.iz-steps{grid-template-columns:1fr;gap:36px;max-width:480px;margin:0 auto}.iz-step:not(:last-child):after{display:none}}@media (max-width:760px){.iz-topnav{display:none}.iz-form-row{grid-template-columns:1fr}.iz-form-head,.iz-form-body{padding-left:22px;padding-right:22px}.iz-footer-grid{grid-template-columns:1fr;gap:36px}}.iz-vk{--vk1:#5046e5;--vk2:#7c6cff;--vk-soft:#eeebff;--vk-deep:#3b32c4}.iz-vk[data-accent=pensioen]{--vk1:#16a34a;--vk2:#22c55e;--vk-soft:#dcfce7;--vk-deep:#15803d}.iz-vk[data-accent=kosten]{--vk1:#ff7a59;--vk2:#fb923c;--vk-soft:#ffedd5;--vk-deep:#ea580c}.iz-vk[data-accent=erfenis]{--vk1:#0891b2;--vk2:#06b6d4;--vk-soft:#cffafe;--vk-deep:#0e7490}.iz-vk[data-accent=eerste-stappen]{--vk1:#a855f7;--vk2:#c084fc;--vk-soft:#f3e8ff;--vk-deep:#9333ea}.iz-vk-icoon{color:#fff;width:44px;height:44px;font-family:var(--iz-font-heading),sans-serif;box-shadow:var(--shadow-sm);border-radius:12px;justify-content:center;align-items:center;font-size:19px;font-weight:800;display:inline-flex}.iz-vk-icoon-bedrijfsverkoop{background:linear-gradient(135deg,#5046e5,#7c6cff)}.iz-vk-icoon-pensioen{background:linear-gradient(135deg,#16a34a,#22c55e)}.iz-vk-icoon-kosten{background:linear-gradient(135deg,#ff7a59,#fb923c)}.iz-vk-icoon-erfenis{background:linear-gradient(135deg,#0891b2,#06b6d4)}.iz-vk-icoon-eerste-stappen{background:linear-gradient(135deg,#a855f7,#c084fc)}.iz-vk-breadcrumb{color:var(--ink-3);padding:22px 0 0;font-size:13px}.iz-vk-breadcrumb a{color:var(--ink-2);font-weight:500}.iz-vk-breadcrumb a:hover{color:var(--vk-deep)}.iz-vk-breadcrumb-sep{opacity:.5;margin:0 9px}.iz-vk-breadcrumb-current{color:var(--ink);font-weight:600}.iz-vk-hero{padding:44px 0 48px}.iz-vk-hero-grid{grid-template-columns:auto 1fr;align-items:flex-start;gap:30px;display:grid}.iz-vk-hero-icon{background:linear-gradient(135deg,var(--vk1),var(--vk2));color:#fff;width:84px;height:84px;font-family:var(--iz-font-heading),sans-serif;box-shadow:var(--shadow-lg);border-radius:22px;flex-shrink:0;justify-content:center;align-items:center;font-size:34px;font-weight:800;display:flex}.iz-vk-hero-tag{letter-spacing:.14em;text-transform:uppercase;color:var(--vk-deep);background:var(--vk-soft);border-radius:999px;margin-bottom:14px;padding:6px 14px;font-size:11px;font-weight:700;display:inline-block}.iz-vk-hero h1{margin-bottom:20px;font-size:clamp(30px,4.5vw,46px);font-weight:800}.iz-vk-hero-accent{background:linear-gradient(135deg,var(--vk1),var(--vk2));-webkit-text-fill-color:transparent;color:#0000;-webkit-background-clip:text;background-clip:text}.iz-vk-hero-lede{color:var(--ink-2);max-width:640px;font-size:17px}.iz-vk-tool-section{padding:8px 0 80px}.iz-vk-intro{max-width:720px;color:var(--ink-2);margin:0 0 24px;font-size:16px}.iz-vk-card{background:var(--bg-card);border:1px solid var(--line);box-shadow:var(--shadow-lg);border-radius:24px;overflow:hidden}.iz-vk-card-head{border-bottom:1px solid var(--line);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;padding:24px 36px;display:flex}.iz-vk-card-head h2{margin-bottom:2px;font-size:21px;font-weight:700}.iz-vk-card-head p{color:var(--ink-3);font-size:13.5px;font-weight:500}.iz-vk-progress{align-items:center;gap:14px;display:flex}.iz-vk-progress-text{color:var(--ink-2);text-align:right;min-width:100px;font-size:13px;font-weight:600}.iz-vk-progress-bar{background:var(--line);border-radius:999px;width:140px;height:6px;display:inline-block;overflow:hidden}.iz-vk-progress-fill{background:linear-gradient(90deg,var(--vk1),var(--vk2));border-radius:999px;height:100%;transition:width .35s;display:block}.iz-vk-body{min-height:380px;padding:44px 52px}.iz-vk-card-foot{border-top:1px solid var(--line);background:var(--bg);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;padding:22px 36px;display:flex}.iz-vk-btn-terug{color:var(--ink-3);font-family:var(--iz-font-body),sans-serif;cursor:pointer;background:0 0;border:none;border-radius:999px;padding:12px 18px;font-size:14px;font-weight:600}.iz-vk-btn-terug:hover{color:var(--ink)}.iz-vk-btn-terug:disabled{opacity:0;pointer-events:none}.iz-vk-btn-verder{background:var(--vk-deep);color:#fff;font-family:var(--iz-font-body),sans-serif;cursor:pointer;box-shadow:0 6px 16px color-mix(in srgb,var(--vk1)32%,transparent);border:none;border-radius:999px;align-items:center;gap:8px;padding:14px 26px;font-size:14.5px;font-weight:600;transition:filter .2s,transform .2s,box-shadow .2s;display:inline-flex}.iz-vk-btn-verder:hover{filter:brightness(.92);transform:translateY(-1px)}.iz-vk[data-accent=kosten] .iz-vk-btn-verder{background:#c2410c}.iz-vk-btn-verder:disabled{pointer-events:none;background:var(--line-2);color:var(--ink-3);box-shadow:none;filter:none;transform:none}.iz-vk-vraag{animation:.3s iz-vk-fade}@keyframes iz-vk-fade{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.iz-vk-vraag-eyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--vk-deep);margin-bottom:14px;font-size:11px;font-weight:700}.iz-vk-vraag-titel{margin-bottom:16px;font-size:clamp(22px,3vw,28px);font-weight:700;line-height:1.25}.iz-vk-vraag-help{color:var(--ink-2);max-width:620px;margin-bottom:30px;font-size:16px}.iz-vk-opties{flex-direction:column;gap:12px;max-width:640px;display:flex}.iz-vk-opt{border:1.5px solid var(--line);cursor:pointer;background:var(--bg-card);text-align:left;font-family:var(--iz-font-body),sans-serif;border-radius:14px;align-items:flex-start;gap:14px;padding:17px 20px;transition:all .15s;display:flex}.iz-vk-opt:hover{border-color:var(--vk2)}.iz-vk-opt.iz-vk-opt-actief{border-color:var(--vk1);background:var(--vk-soft);box-shadow:0 0 0 3px color-mix(in srgb,var(--vk1)10%,transparent)}.iz-vk-opt-radio{border:2px solid var(--line-2);background:#fff;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:22px;height:22px;margin-top:2px;transition:all .15s;display:flex}.iz-vk-opt-actief .iz-vk-opt-radio{border-color:var(--vk1)}.iz-vk-opt-actief .iz-vk-opt-radio:after{content:"";background:var(--vk1);border-radius:50%;width:10px;height:10px}.iz-vk-opt-body{flex:1;display:block}.iz-vk-opt-label{color:var(--ink);font-size:15.5px;font-weight:600;display:block}.iz-vk-opt-desc{color:var(--ink-3);margin-top:2px;font-size:14px;display:block}.iz-vk-janee{grid-template-columns:repeat(3,1fr);gap:12px;max-width:640px;display:grid}.iz-vk-janee-opt{border:1.5px solid var(--line);cursor:pointer;background:var(--bg-card);text-align:center;font-family:var(--iz-font-body),sans-serif;border-radius:14px;flex-direction:column;justify-content:flex-start;align-items:center;gap:8px;padding:24px 16px;transition:all .15s;display:flex}.iz-vk-janee-opt:hover{border-color:var(--vk2);transform:translateY(-2px)}.iz-vk-janee-opt.iz-vk-opt-actief{border-color:var(--vk1);background:var(--vk-soft);box-shadow:0 0 0 3px color-mix(in srgb,var(--vk1)10%,transparent)}.iz-vk-janee-icon{width:40px;height:40px;font-size:19px;font-weight:800;font-family:var(--iz-font-heading),sans-serif;border-radius:50%;justify-content:center;align-items:center;display:flex}.iz-vk-janee-opt[data-waarde=ja] .iz-vk-janee-icon{color:#15803d;background:#dcfce7}.iz-vk-janee-opt[data-waarde=nee] .iz-vk-janee-icon{color:#b91c1c;background:#fef2f2}.iz-vk-janee-opt[data-waarde=weet-niet] .iz-vk-janee-icon{color:#92400e;background:#fef3c7}.iz-vk-janee-label{color:var(--ink);font-size:15px;font-weight:600}.iz-vk-janee-desc{color:var(--ink-3);font-size:12.5px;line-height:1.55}.iz-vk-getal{max-width:520px;margin-bottom:24px}.iz-vk-getal-label{justify-content:space-between;align-items:baseline;margin-bottom:10px;display:flex}.iz-vk-getal-label label{color:var(--ink-2);font-size:14px;font-weight:600}.iz-vk-getal-display{font-family:var(--iz-font-heading),sans-serif;color:var(--vk-deep);letter-spacing:-.01em;font-size:22px;font-weight:800}.iz-vk-getal-wrap{position:relative}.iz-vk-getal-wrap input{border:1.5px solid var(--line-2);background:var(--bg-card);width:100%;color:var(--ink);font-size:18px;font-weight:600;font-family:var(--iz-font-heading),sans-serif;border-radius:12px;outline:none;padding:14px 18px;transition:all .15s}.iz-vk-getal-wrap input[type=number]{appearance:textfield}.iz-vk-getal-wrap input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.iz-vk-getal-wrap input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.iz-vk-getal-wrap input:focus{border-color:var(--vk1);box-shadow:0 0 0 3px var(--vk-soft)}.iz-vk-getal-suffix{color:var(--ink-3);pointer-events:none;font-size:14px;font-weight:500;position:absolute;top:50%;right:20px;transform:translateY(-50%)}.iz-vk-result-head{background:linear-gradient(135deg,var(--vk-deep)0%,#0e0e2c 100%);color:#fff;padding:44px 52px;position:relative;overflow:hidden}.iz-vk[data-accent=kosten] .iz-vk-result-head{background:linear-gradient(135deg,#c2410c 0%,#0e0e2c 100%)}.iz-vk-result-head:before{content:"";background:radial-gradient(circle,color-mix(in srgb,var(--vk2)40%,transparent),transparent 60%);pointer-events:none;width:300px;height:300px;position:absolute;top:-100px;right:-100px}.iz-vk-result-eyebrow{letter-spacing:.14em;text-transform:uppercase;color:#ffffffe6;z-index:1;align-items:center;gap:8px;margin-bottom:12px;font-size:11px;font-weight:700;display:flex;position:relative}.iz-vk-result-eyebrow:before{content:"";background:var(--vk2);width:6px;height:6px;box-shadow:0 0 8px var(--vk2);border-radius:50%}.iz-shell .iz-vk-result-titel{z-index:1;color:#fff;margin-bottom:16px;font-size:clamp(24px,3.5vw,32px);font-weight:700;line-height:1.2;position:relative}.iz-vk-result-titel span{color:var(--accent)}.iz-vk-result-samenvatting{color:#ffffffeb;z-index:1;max-width:620px;font-size:16px;position:relative}.iz-vk-result-body{padding:44px 52px}.iz-vk-result-sectiekop{font-family:var(--iz-font-heading),sans-serif;color:var(--ink);margin:0 0 18px;font-size:18px;font-weight:700}.iz-vk-indicator{background:linear-gradient(135deg,var(--vk-soft),var(--bg-card));border:1.5px solid var(--vk2);border-radius:18px;grid-template-columns:auto 1fr;align-items:center;gap:30px;margin-bottom:32px;padding:30px;display:grid}.iz-vk-indicator-num{font-family:var(--iz-font-heading),sans-serif;letter-spacing:-.03em;color:var(--vk-deep);white-space:nowrap;font-size:clamp(30px,5vw,52px);font-weight:800;line-height:1}.iz-vk-indicator-label{font-family:var(--iz-font-heading),sans-serif;color:var(--ink);margin-bottom:6px;font-size:17px;font-weight:700}.iz-vk-indicator-tekst{color:var(--ink-2);font-size:14.5px}.iz-vk-focals{flex-direction:column;gap:14px;margin-bottom:36px;display:flex}.iz-vk-focal{background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;align-items:flex-start;gap:16px;padding:20px 22px;transition:all .15s;display:flex}.iz-vk-focal:hover{border-color:var(--vk2);background:var(--bg-card)}.iz-vk-focal-num{background:var(--bg-card);border:1.5px solid var(--vk1);width:32px;height:32px;font-family:var(--iz-font-heading),sans-serif;color:var(--vk-deep);border-radius:8px;flex-shrink:0;justify-content:center;align-items:center;font-size:13px;font-weight:800;display:flex}.iz-vk-focal-titel{font-family:var(--iz-font-heading),sans-serif;color:var(--ink);margin-bottom:4px;font-size:15.5px;font-weight:700}.iz-vk-focal-tekst{color:var(--ink-2);font-size:14px}.iz-vk-kostencards{grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:32px;display:grid}.iz-vk-kostencard{background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;padding:22px}.iz-vk-kostencard-accent{background:linear-gradient(135deg,var(--vk-soft),var(--bg-card));border:1.5px solid var(--vk2)}.iz-vk-kostencard-label{letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);margin-bottom:10px;font-size:11px;font-weight:700}.iz-vk-kostencard-num{font-family:var(--iz-font-heading),sans-serif;letter-spacing:-.02em;color:var(--ink);margin-bottom:6px;font-size:30px;font-weight:800;line-height:1}.iz-vk-kostencard-accent .iz-vk-kostencard-num{color:var(--vk-deep)}.iz-vk-kostencard-sub{color:var(--ink-3);font-size:13px}.iz-vk-telling{flex-wrap:wrap;gap:14px;margin-bottom:32px;display:flex}.iz-vk-telling-chip{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;flex:1;min-width:120px;padding:16px 18px}.iz-vk-telling-num{font-family:var(--iz-font-heading),sans-serif;letter-spacing:-.02em;margin-bottom:4px;font-size:28px;font-weight:800;line-height:1;display:block}.iz-vk-telling-closed .iz-vk-telling-num{color:#15803d}.iz-vk-telling-open .iz-vk-telling-num{color:#ea580c}.iz-vk-telling-unclear .iz-vk-telling-num{color:#b45309}.iz-vk-telling-lbl{color:var(--ink-2);font-size:12px;font-weight:600}.iz-vk-checklist{flex-direction:column;gap:12px;margin-bottom:36px;display:flex}.iz-vk-checkitem{border:1px solid var(--line);background:var(--bg-card);border-radius:14px;align-items:flex-start;gap:14px;padding:18px 22px;display:flex}.iz-vk-checkitem-closed{background:#f0fdf4;border-color:#86efac}.iz-vk-checkitem-open{background:#fff7ed;border-color:#fdba74}.iz-vk-checkitem-unclear{background:#fffbeb;border-color:#fde68a}.iz-vk-checkicon{width:28px;height:28px;font-family:var(--iz-font-heading),sans-serif;color:#fff;border-radius:8px;flex-shrink:0;justify-content:center;align-items:center;font-size:13px;font-weight:800;display:flex}.iz-vk-checkitem-closed .iz-vk-checkicon{background:#16a34a}.iz-vk-checkitem-open .iz-vk-checkicon{background:#ea580c}.iz-vk-checkitem-unclear 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select{background:var(--bg-card)}.iz-vk-veld-hint{color:var(--ink-3);margin-top:6px;font-size:12.5px}.iz-vk-veld-fout{color:var(--danger);margin-top:6px;font-size:12.5px}.iz-vk-gate-form .iz-field input[aria-invalid=true]{border-color:var(--danger)}.iz-vk-gate-klaar{padding:12px 0 4px}.iz-vk-gate-klaar-titel{font-family:var(--iz-font-heading),sans-serif;color:var(--ink);margin-bottom:14px;font-size:17px;font-weight:700}.iz-vk-gate-hint{color:var(--ink-3);margin-top:12px;font-size:12.5px}.iz-vk-opnieuw-rij{margin-top:24px}.iz-vk-opnieuw{background:var(--bg-card);border:1px solid var(--line-2);font-family:var(--iz-font-body),sans-serif;color:var(--ink-2);cursor:pointer;border-radius:999px;padding:10px 16px;font-size:13px;font-weight:600;transition:all .15s}.iz-vk-opnieuw:hover{border-color:var(--vk1);color:var(--vk-deep)}.iz-vk-compliance{background:var(--bg-soft);border:1px solid var(--line);color:var(--ink-3);border-radius:14px;margin-top:32px;padding:20px 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