@font-face{font-family:Jost;src:url(fonts/jost.woff2) format("woff2");font-weight:400 700;font-display:swap}
@font-face{font-family:Inter;src:url(fonts/inter.woff2) format("woff2");font-weight:400 700;font-display:swap}
:root{--orange:#e96424;--blue:#4fbce9;--yellow:#fdd209;--navy:#143247;--ink:#172b36;--muted:#647680;--ice:#eef8fc;--line:#dce8ed;--grid:#e6edf1;--white:#fff;--max:1180px;--head:Jost,"Century Gothic",Futura,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;font-size:17px;line-height:1.6;overflow-x:hidden}
::selection{background:var(--orange);color:#fff}
img,video,svg{display:block;max-width:100%}
a{color:var(--orange)}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);margin:0;line-height:1.08;font-weight:600;hyphens:auto;-webkit-hyphens:auto}
h2{font-size:clamp(30px,4.2vw,48px);letter-spacing:-.01em;margin-bottom:22px;max-width:18ch}
h3{font-size:clamp(22px,2.4vw,28px);margin-bottom:8px}
h4{font-size:19px;margin-bottom:8px}
p{margin:0 0 16px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.eyebrow{font-family:var(--head);font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--orange);margin-bottom:14px;display:flex;align-items:baseline;gap:10px}
.eyebrow .num{color:var(--navy);letter-spacing:.04em}
.eyebrow-light,.eyebrow-light .num{color:#fff}
.small,.note{font-size:13px;color:var(--muted);line-height:1.5}
.note{margin-top:14px;max-width:880px}

/* knoppen */
.btn{display:inline-flex;align-items:center;gap:8px;min-height:48px;padding:0 22px;border-radius:6px;background:var(--orange);color:#fff;font-weight:600;font-size:16px;text-decoration:none;border:1.5px solid var(--orange);transition:background .2s,color .2s}
.btn:hover{background:#d4541a;border-color:#d4541a}
.btn-sm{min-height:40px;padding:0 16px;font-size:15px}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{background:#fff;border-color:var(--navy)}
.btn-white{background:#fff;color:var(--orange);border-color:#fff}
.btn-white:hover{background:var(--navy);border-color:var(--navy);color:#fff}

/* kop */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;gap:28px;height:68px}
.logo{display:flex;align-items:center;min-height:44px}
.logo img{height:38px;width:auto}
.nav{display:flex;gap:26px;margin-left:auto}
.nav a{color:var(--navy);text-decoration:none;font-size:15px;font-weight:500;padding:8px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a.on{border-color:var(--orange)}

/* hero */
.hero{position:relative;min-height:min(78vh,720px);display:flex;align-items:center;overflow:hidden;background:#fff}
.hero-media{position:absolute;inset:0 0 0 30%}
.hero-video{width:100%;height:100%;object-fit:cover;object-position:60% 40%}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.86) 18%,rgba(255,255,255,0) 52%),linear-gradient(0deg,#fff 0%,rgba(255,255,255,0) 22%)}
.hero-in{position:relative;width:100%;padding-top:64px;padding-bottom:72px}
.hero h1{font-size:clamp(46px,7vw,92px);line-height:.95;letter-spacing:-.02em;margin-bottom:24px;max-width:10ch;font-weight:600}
.hero h1 em{font-style:normal;color:var(--orange)}
.lead{font-size:clamp(17px,1.5vw,20px);max-width:33ch;color:var(--ink);line-height:1.55;margin-bottom:28px}
.actions{display:flex;flex-wrap:wrap;gap:12px}

/* de draad */
.thread{padding-top:40px;padding-bottom:16px}
.thread-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:2px solid var(--navy)}
.thread-list li{padding:18px 24px 18px 0;font-size:17px;line-height:1.45;border-right:1px solid var(--line);margin-right:24px}
.thread-list li:last-child{border-right:0;margin-right:0}
.thread-list b{color:var(--navy);font-family:var(--head);font-size:21px;font-weight:600;display:block}
.tn{font-family:var(--head);color:var(--orange);font-weight:600;font-size:14px;letter-spacing:.06em;display:block;margin-bottom:6px}
.thread-list li:last-child b{color:var(--orange)}
.thread-note{color:var(--muted);font-size:15px;max-width:70ch;margin-top:6px}

/* secties */
.sec{padding:88px 0}
.sec-tight{padding-top:64px}
.sec-ice{background:var(--ice)}
.sec-line{border-top:1px solid var(--line)}
.grid-2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
.grid-gap-lg{gap:72px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
.intro{max-width:62ch;font-size:18px}

/* feitenlijst (factsheet: label + waarde, dunne lijnen) */
.facts{margin:26px 0 18px;border-top:1px solid var(--line)}
.facts div{display:grid;grid-template-columns:200px 1fr;gap:18px;padding:13px 0;border-bottom:1px solid var(--line)}
.facts dt{font-weight:600;color:var(--navy)}
.facts dd{margin:0;font-size:15.5px;line-height:1.5}

/* pensioenstapel */
.stack{margin:8px 0 0;display:flex;flex-direction:column;gap:10px}
.layer{border-radius:8px;padding:22px 24px;display:flex;flex-direction:column;gap:4px}
.ln{font-family:var(--head);font-size:22px;font-weight:600}
.ld{font-size:15px}
.l-zelf{background:var(--orange);color:#fff;padding:34px 24px}
.l-werk{border:1.5px dashed var(--blue);color:var(--navy)}
.l-aow{background:var(--navy);color:#fff}
.l-aow .ld{color:#cddbe3}
.stack figcaption{font-size:13px;color:var(--muted);text-align:center;margin-top:4px}

/* scharnier */
.storm{position:relative;min-height:min(86vh,760px);display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:var(--navy)}
.storm picture,.storm img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% 35%}
.storm img{transform:scale(1.06);transition:transform 1.6s ease}
.storm.in img{transform:scale(1)}
.storm::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,31,44,.88) 0%,rgba(13,31,44,.62) 38%,rgba(13,31,44,0) 68%),linear-gradient(0deg,rgba(13,31,44,.8) 0%,rgba(13,31,44,0) 45%)}
.storm-in{position:relative;z-index:1;padding-bottom:64px;padding-top:160px;width:100%}
.storm h2{color:#fff;font-size:clamp(38px,6vw,76px);line-height:.98;max-width:14ch}
.storm p{font-size:clamp(17px,1.5vw,20px);max-width:52ch;color:#e3ecf1}

/* grafieken */
.chart-head{margin-bottom:18px}
.chart-head p{color:var(--muted);margin:0}
.chart{width:100%;height:auto;overflow:visible}
.chart text{font-family:Inter,Arial,sans-serif}
.chart .ax{font-size:13px;fill:#7a8a93}
.chart .gl{stroke:var(--grid);stroke-width:1}
.chart .lab{font-family:Jost,sans-serif;font-weight:600;font-size:15px}
.sim{border-top:2px solid var(--navy);padding-top:22px}
.sim-ctrl{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-bottom:10px}
.sim-ctrl label,.horizon label{font-family:var(--head);font-weight:600;color:var(--navy);font-size:19px;min-width:220px}
output{color:var(--orange)}
input[type=range]{-webkit-appearance:none;appearance:none;flex:1;min-width:220px;height:44px;background:transparent;cursor:pointer;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:4px;background:linear-gradient(90deg,var(--orange) var(--p,50%),var(--line) var(--p,50%));border-radius:2px}
input[type=range]::-moz-range-track{height:4px;background:var(--line);border-radius:2px}
input[type=range]::-moz-range-progress{height:4px;background:var(--orange)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--orange);margin-top:-11px;box-shadow:0 1px 4px rgba(20,50,71,.25)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--orange)}
input[type=range]:focus-visible{outline:2px solid var(--blue);outline-offset:4px}
.sim-legend{display:flex;flex-wrap:wrap;gap:8px 26px;font-size:14px;color:var(--ink);margin:8px 0 16px}
.sw{display:inline-block;width:22px;height:3px;vertical-align:middle;margin-right:8px;border-radius:2px}
.sw-grey{background:#b9c6cd}.sw-navy{background:var(--navy)}.sw-orange{background:var(--orange)}
.sim-out{border-collapse:collapse;width:100%;max-width:640px;font-size:15px}
.sim-out th,.sim-out td{text-align:left;padding:9px 14px 9px 0;border-bottom:1px solid var(--line)}
.sim-out th{font-weight:600;color:var(--muted);font-size:13px}
.sim-out td{font-variant-numeric:tabular-nums}
.sim-out td:nth-child(2){color:var(--navy);font-weight:700;font-family:var(--head);font-size:22px}
.sim-out td:nth-child(3){color:var(--orange);font-weight:700;font-family:var(--head);font-size:22px}
.recover{margin-top:80px;align-items:center}
.conclusion{font-family:var(--head);font-size:21px;line-height:1.35;color:var(--navy);font-weight:500;border-left:3px solid var(--orange);padding-left:18px;margin-top:22px}

/* herstel-staven (factsheet: rendement per jaar) */
.bars{margin:0}
.bars-head{display:grid;grid-template-columns:1fr 1fr;font-size:13px;color:var(--muted);padding-bottom:8px;border-bottom:1px solid var(--line)}
.bars-head span:first-child{text-align:right;padding-right:14px}
.bars-head span:last-child{padding-left:14px}
.bar-row{display:grid;grid-template-columns:1fr 1fr;align-items:center;height:46px;border-bottom:1px solid var(--grid);position:relative}
.bar-row::before{content:"";position:absolute;left:50%;top:0;bottom:0;width:1px;background:#9fb0b9}
.bar-l,.bar-r{display:flex;align-items:center;gap:8px;font-variant-numeric:tabular-nums;font-weight:700;font-size:15px}
.bar-l{justify-content:flex-end;color:var(--navy)}
.bar-r{color:var(--orange)}
.bar-l i,.bar-r i{display:block;height:18px;width:0;transition:width 1s cubic-bezier(.2,.7,.2,1)}
.bar-l i{background:var(--navy);order:2}
.bar-l b{order:1}
.bar-r i{background:var(--orange)}
.bars figcaption{font-size:13px;color:var(--muted);margin-top:10px}

/* hoe het werkt */
.compare{margin:8px 0 48px;gap:0;border-top:2px solid var(--navy)}
.cmp{padding:22px 32px 6px 0}
.cmp+.cmp{padding-left:32px;padding-right:0;border-left:1px solid #c9dbe4}
.cmp h4{color:var(--muted)}
.cmp-us h4{color:var(--orange)}
.mm{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin-bottom:64px;counter-reset:mm}
.mm-step{position:relative;padding:18px 28px 0 0;border-top:1px solid #c9dbe4}
.mm-step::before{counter-increment:mm;content:"";position:absolute;top:-6px;left:0;width:11px;height:11px;border-radius:50%;background:var(--navy)}
.mm-last::before{background:var(--orange)}
.mm-k{display:block;font-family:var(--head);font-weight:600;font-size:19px;color:var(--navy);margin-bottom:4px}
.mm-v{display:block;font-size:15px;line-height:1.45}
.signals{background:#fff;border-radius:10px;padding:32px 32px 22px;border:1px solid var(--line)}
.sig-text{margin-top:22px;gap:40px}
.sig-text p{font-size:15.5px}
.dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:10px;vertical-align:middle;position:relative;top:-2px}
.dot-navy{background:var(--navy)}.dot-orange{background:var(--orange)}
.pull{margin:64px 0 0;padding:0;max-width:860px}
.pull p{font-family:var(--head);font-size:clamp(22px,2.6vw,30px);line-height:1.3;color:var(--navy);font-weight:500;margin:0}

/* fondsen */
.horizon{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin:28px 0 8px;border-top:2px solid var(--navy);padding-top:18px}
.yrs-note{flex-basis:100%;margin:0;color:var(--muted);font-size:15px;min-height:24px}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:10px}
.funds{border-collapse:collapse;width:100%;min-width:860px;font-size:15px}
.funds th,.funds td{text-align:left;vertical-align:top;padding:16px 16px 16px 0;border-bottom:1px solid var(--line)}
.funds thead th{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600;border-bottom:1px solid var(--navy)}
.funds tbody th{width:170px;position:relative;padding-left:18px}
.funds tbody th::before{content:"";position:absolute;left:0;top:16px;bottom:16px;width:4px;border-radius:2px}
.f-borg th::before{background:var(--blue)}.f-kern th::before{background:var(--yellow)}.f-dyn th::before{background:var(--orange)}
.funds tbody th a{font-family:var(--head);font-size:21px;color:var(--navy);text-decoration:none;display:flex;align-items:center;min-height:40px;font-weight:600}
.funds tbody th span{font-weight:400;color:var(--muted);font-size:14px}
.funds tbody tr{transition:background .3s,opacity .3s}
.funds.pick tbody tr{opacity:.45}
.funds.pick tbody tr.hit{opacity:1;background:linear-gradient(90deg,var(--ice),rgba(238,248,252,0))}
.funds td:nth-child(3),.funds td:nth-child(4){white-space:nowrap;font-weight:600;color:var(--navy)}
.sri{display:inline-flex;gap:3px}
.sri i{width:22px;height:22px;border:1px solid #b7c7cf;border-radius:3px;font-style:normal;font-size:12px;font-weight:700;display:grid;place-items:center;color:var(--navy)}
.sri i.on{background:var(--navy);border-color:var(--navy);color:#fff}

/* zekerheid + stappen */
.sure>div{border-top:2px solid var(--navy);padding-top:16px}
.sure>div:first-child{border-color:var(--orange)}
.sure p{font-size:15px}
.steps{list-style:none;margin:20px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;counter-reset:st}
.steps li{counter-increment:st;border-top:2px solid var(--navy);padding-top:16px}
.steps li::before{content:counter(st);font-family:var(--head);font-weight:600;font-size:44px;line-height:1;color:var(--orange);display:block;margin-bottom:12px}
.steps p{font-size:15.5px}

/* cta + voet */
.cta{background:var(--orange);color:#fff;padding:72px 0}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta h2{color:#fff;margin:0;max-width:none}
.foot{background:var(--navy);color:#cddbe3;padding:52px 0 30px;font-size:14px}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.14);margin-bottom:22px}
.foot-logo{height:38px;width:auto;background:#fff;border-radius:6px;padding:6px 10px;box-sizing:content-box}
.foot nav{display:flex;flex-wrap:wrap;gap:6px 24px}
.foot nav a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;min-height:44px}
.foot nav a:hover{color:var(--blue)}
.risk{max-width:900px;line-height:1.55}
.risk strong{color:#fff}
.by a{color:var(--blue)}

/* inloop */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}

@media (max-width:1000px){
  html{scroll-padding-top:120px}
  .top-in{flex-wrap:wrap;height:auto;padding-top:8px;gap:0 16px;justify-content:space-between}
  .nav{order:3;flex-basis:100%;margin:0 -16px;padding:0 16px;gap:22px;overflow-x:auto;scrollbar-width:none;white-space:nowrap;border-top:1px solid var(--line)}
  .nav::-webkit-scrollbar{display:none}
  .nav a{display:flex;align-items:center;min-height:44px;padding:0;font-size:14.5px}
  .grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .mm{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:30px}
}
@media (max-width:800px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .sec{padding:64px 0}
  .hero{flex-direction:column;align-items:stretch;min-height:0}
  .hero-media{position:relative;inset:auto;height:56vw;min-height:240px}
  .hero-media::after{background:linear-gradient(0deg,#fff 0%,rgba(255,255,255,0) 30%)}
  .hero-in{padding-top:8px;padding-bottom:44px}
  .hero h1{font-size:clamp(42px,12vw,60px)}
  .thread-list{grid-template-columns:1fr}
  .thread-list li{border-right:0;margin-right:0;border-bottom:1px solid var(--line);padding:14px 0}
  .grid-2,.grid-gap-lg{grid-template-columns:1fr;gap:36px}
  .facts div{grid-template-columns:1fr;gap:2px}
  .storm{min-height:620px}
  .storm-in{padding-bottom:44px}
  .compare{grid-template-columns:1fr}
  .cmp,.cmp+.cmp{padding:18px 0 4px;border-left:0}
  .cmp+.cmp{border-top:1px solid #c9dbe4}
  .signals{padding:22px 16px 14px;margin:0 -4px}
  .steps{grid-template-columns:1fr;gap:26px}
  .table-wrap{overflow:visible}
  .funds{min-width:0;display:block}
  .funds thead{display:none}
  .funds tbody,.funds tr{display:block}
  .funds tbody tr{padding:16px 0 10px 18px;border-bottom:1px solid var(--line);position:relative}
  .funds tbody tr::before{content:"";position:absolute;left:0;top:16px;bottom:14px;width:4px;border-radius:2px}
  .funds tbody tr.f-borg::before{background:var(--blue)}.funds tbody tr.f-kern::before{background:var(--yellow)}.funds tbody tr.f-dyn::before{background:var(--orange)}
  .funds tbody th::before{display:none}
  .funds tbody th{display:block;width:auto;padding:0 0 8px;border:0}
  .funds td{display:grid;grid-template-columns:128px 1fr;gap:12px;padding:5px 0;border:0;white-space:normal!important}
  .funds td::before{content:attr(data-l);color:var(--muted);font-size:13px;font-weight:400}
  .recover{margin-top:56px}
  .sim-ctrl label,.horizon label{min-width:0;flex-basis:100%}
  .sim-out th,.sim-out td{padding-right:8px}
  .sim-out td:nth-child(2),.sim-out td:nth-child(3){font-size:19px}
  .chart .ax{font-size:12px}
  .chart .lab{font-size:13px}
}
@media (max-width:520px){
  .grid-4,.mm{grid-template-columns:1fr}
  .btn-sm{padding:0 12px;font-size:14px}
  .actions .btn{flex:1 1 100%;justify-content:center}
  .funds td{grid-template-columns:104px 1fr;gap:10px}
  .sri{gap:2px}.sri i{width:20px;height:22px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .rv{opacity:1;transform:none;transition:none}
  .storm img{transition:none;transform:none}
  .bar-l i,.bar-r i{transition:none}
}