:root {
  --primary-color: #0A2540;
  --secondary-color: #285680;
  --accent-color: #4D8AC0;
  --light-accent: #8FB3D9;
  --bg-color: #F5F7FA;
  --light-bg: #E6ECF2;
  --gray-bg: #D3DDE8;
  --text-dark: #1A1A1A;
  --text-light: #FFFFFF;
  --text-gray: #6B7280;
  --border-color: #D1D5DB;
  --success-color: #10B981;
  --warning-color: #F59E0B;
  --error-color: #EF4444;
  --container-width: 1200px;
  --header-height: 80px;
  --footer-height: 240px;
  --border-radius: 8px;
  --spacing-xs: 4px;
  --spacing-sm: 8px;
  --spacing-md: 16px;
  --spacing-lg: 24px;
  --spacing-xl: 32px;
  --spacing-2xl: 48px;
  --spacing-3xl: 64px;
  --transition: all 0.3s ease;
}


* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text-dark);
  background-color: var(--bg-color);
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--primary-color);
  color: var(--text-light);
  padding: 8px;
  z-index: 100;
  transition: var(--transition);
}

.skip-link:focus {
  top: 0;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Cardo', serif;
  font-weight: 700;
  color: var(--primary-color);
  line-height: 1.2;
  margin-bottom: var(--spacing-md);
}

h1 {
  font-size: 2.5rem;
}

h2 {
  font-size: 2rem;
}

h3 {
  font-size: 1.75rem;
}

h4 {
  font-size: 1.5rem;
}

h5 {
  font-size: 1.25rem;
}

h6 {
  font-size: 1rem;
}

p {
  margin-bottom: var(--spacing-md);
}

a {
  color: var(--accent-color);
  text-decoration: none;
  transition: var(--transition);
}

a:hover, a:focus {
  color: var(--secondary-color);
  text-decoration: underline;
}

ul, ol {
  margin-bottom: var(--spacing-md);
  padding-left: var(--spacing-lg);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

button {
  cursor: pointer;
}


.container {
  width: 100%;
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 var(--spacing-lg);
}


.section-title {
  font-size: 2rem;
  margin-bottom: var(--spacing-xl);
  position: relative;
  padding-bottom: var(--spacing-md);
}

.section-title::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background-color: var(--accent-color);
}

.section-subtitle {
  font-size: 1.25rem;
  color: var(--secondary-color);
  margin-bottom: var(--spacing-lg);
}


.btn {
  display: inline-block;
  padding: 12px 24px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  font-size: 0.875rem;
  text-align: center;
  border-radius: var(--border-radius);
  transition: var(--transition);
  border: none;
  cursor: pointer;
}

.btn-primary {
  background-color: var(--primary-color);
  color: var(--text-light);
}

.btn-primary:hover, .btn-primary:focus {
  background-color: var(--secondary-color);
  color: var(--text-light);
  text-decoration: none;
}

.btn-secondary {
  background-color: transparent;
  color: var(--primary-color);
  border: 1px solid var(--primary-color);
}

.btn-secondary:hover, .btn-secondary:focus {
  background-color: var(--light-bg);
  text-decoration: none;
}

.btn-accent {
  background-color: var(--accent-color);
  color: var(--text-light);
}

.btn-accent:hover, .btn-accent:focus {
  background-color: var(--light-accent);
  color: var(--text-light);
  text-decoration: none;
}


.header {
  background-color: var(--text-light);
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-height);
  display: flex;
  align-items: center;
}

.header-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  display: flex;
  align-items: center;
  height: 50px;
}

.logo img {
  height: 100%;
  width: auto;
}

.nav {
  display: flex;
}

.nav-list {
  display: flex;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-item {
  margin-left: var(--spacing-md);
}

.nav-link {
  color: var(--text-dark);
  font-weight: 500;
  padding: var(--spacing-sm) var(--spacing-md);
  position: relative;
}

.nav-link:hover, .nav-link:focus {
  color: var(--accent-color);
  text-decoration: none;
}

.nav-link.active {
  color: var(--accent-color);
}

.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: var(--spacing-md);
  right: var(--spacing-md);
  height: 2px;
  background-color: var(--accent-color);
}

.burger-menu {
  display: none;
  background: none;
  border: none;
  color: var(--text-dark);
  font-size: 1.5rem;
}


.footer {
  background-color: var(--primary-color);
  color: var(--text-light);
  padding: var(--spacing-2xl) 0;
  margin-top: auto;
}

.footer-container {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--spacing-xl);
}

.footer-logo {
  display: flex;
  flex-direction: column;
}

.footer-logo img {
  height: 50px;
  width: auto;
  margin-bottom: var(--spacing-md);
  filter: brightness(0) invert(1);
}

.footer-nav {
  display: flex;
  flex-direction: column;
}

.footer-nav h3 {
  color: var(--text-light);
  margin-bottom: var(--spacing-md);
  font-size: 1.25rem;
}

.footer-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-nav-item {
  margin-bottom: var(--spacing-sm);
}

.footer-nav-link {
  color: var(--gray-bg);
  font-size: 0.875rem;
}

.footer-nav-link:hover, .footer-nav-link:focus {
  color: var(--text-light);
}

.footer-contact {
  display: flex;
  flex-direction: column;
}

.footer-contact h3 {
  color: var(--text-light);
  margin-bottom: var(--spacing-md);
  font-size: 1.25rem;
}

.contact-info {
  margin-bottom: var(--spacing-md);
  font-size: 0.875rem;
}

.cookie-settings {
  background-color: var(--accent-color);
  color: var(--text-light);
  border: none;
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--border-radius);
  cursor: pointer;
  font-size: 0.875rem;
  transition: var(--transition);
}

.cookie-settings:hover, .cookie-settings:focus {
  background-color: var(--light-accent);
}

.footer-bottom {
  margin-top: var(--spacing-xl);
  padding-top: var(--spacing-md);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
}


.section {
  padding: var(--spacing-3xl) 0;
}

.section-light {
  background-color: var(--bg-color);
}

.section-dark {
  background-color: var(--primary-color);
  color: var(--text-light);
}

.section-dark .section-title,
.section-dark .section-subtitle {
  color: var(--text-light);
}

.section-dark .section-title::after {
  background-color: var(--text-light);
}

.section-gray {
  background-color: var(--light-bg);
}


.hero {
  padding: var(--spacing-3xl) 0;
  background-color: var(--bg-color);
  position: relative;
  overflow: hidden;
}

.hero-container {
  display: flex;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-content {
  flex: 1;
  max-width: 600px;
}

.hero-title {
  font-size: 2.5rem;
  margin-bottom: var(--spacing-md);
}

.hero-subtitle {
  font-size: 1.25rem;
  color: var(--secondary-color);
  margin-bottom: var(--spacing-xl);
}

.hero-buttons {
  display: flex;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-xl);
}

.hero-image {
  flex: 1;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-image img {
  max-width: 100%;
  max-height: 400px;
  object-fit: contain;
}


.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--spacing-xl);
}

.service-card {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  padding: var(--spacing-xl);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.service-icon {
  font-size: 2rem;
  color: var(--accent-color);
  margin-bottom: var(--spacing-md);
}

.service-title {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
}

.service-description {
  color: var(--text-gray);
  font-size: 0.875rem;
}


.methodology-steps {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xl);
}

.step {
  display: flex;
  gap: var(--spacing-xl);
  align-items: flex-start;
}

.step-number {
  flex-shrink: 0;
  width: 50px;
  height: 50px;
  background-color: var(--accent-color);
  border-radius: 50%;
  display: flex;
  justify-content: center;
  align-items: center;
  font-weight: 600;
  color: var(--text-light);
  font-size: 1.25rem;
}

.step-content {
  flex: 1;
}

.step-title {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-sm);
}

.step-description {
  color: var(--text-dark);
}


.platform-comparison {
  overflow-x: auto;
  margin-bottom: var(--spacing-xl);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 600px;
}

.comparison-table th,
.comparison-table td {
  padding: var(--spacing-md);
  text-align: left;
  border-bottom: 1px solid var(--border-color);
}

.comparison-table th {
  background-color: var(--light-bg);
  font-weight: 600;
  color: var(--primary-color);
}

.comparison-table tr:nth-child(even) {
  background-color: rgba(0, 0, 0, 0.02);
}

.comparison-table tr:hover {
  background-color: rgba(0, 0, 0, 0.04);
}


.strategies {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: var(--spacing-xl);
}

.strategy-card {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  transition: var(--transition);
}

.strategy-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.strategy-image {
  height: 180px;
  overflow: hidden;
}

.strategy-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.strategy-card:hover .strategy-image img {
  transform: scale(1.05);
}

.strategy-content {
  padding: var(--spacing-lg);
}

.strategy-title {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
}

.strategy-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-sm);
  margin-bottom: var(--spacing-md);
}

.strategy-detail {
  font-size: 0.75rem;
  color: var(--text-gray);
}

.strategy-detail span {
  font-weight: 600;
  color: var(--text-dark);
}

.strategy-description {
  color: var(--text-gray);
  font-size: 0.875rem;
}


.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: var(--spacing-xl);
}

.news-card {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  transition: var(--transition);
}

.news-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.news-date {
  font-size: 0.75rem;
  color: var(--text-gray);
  margin-bottom: var(--spacing-sm);
}

.news-content {
  padding: var(--spacing-lg);
}

.news-title {
  font-size: 1.125rem;
  margin-bottom: var(--spacing-sm);
}

.news-excerpt {
  color: var(--text-gray);
  font-size: 0.875rem;
  margin-bottom: var(--spacing-md);
}

.news-link {
  font-size: 0.875rem;
  font-weight: 500;
}


.form-section {
  background-color: var(--light-bg);
  border-radius: var(--border-radius);
  padding: var(--spacing-xl);
  margin-top: var(--spacing-2xl);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--spacing-xl);
  align-items: center;
}

.form-content h3 {
  margin-bottom: var(--spacing-md);
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-label {
  margin-bottom: var(--spacing-sm);
  font-weight: 500;
  font-size: 0.875rem;
}

.form-control {
  padding: var(--spacing-md);
  border-radius: var(--border-radius);
  border: 1px solid var(--border-color);
  font-family: 'Montserrat', sans-serif;
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--accent-color);
  outline: none;
  box-shadow: 0 0 0 2px rgba(77, 138, 192, 0.2);
}

.form-control::placeholder {
  color: var(--text-gray);
  opacity: 0.6;
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-sm);
}

.form-check-input {
  margin-top: 4px;
}

.form-check-label {
  font-size: 0.875rem;
  color: var(--text-gray);
}

.form-submit {
  margin-top: var(--spacing-md);
  width: 100%;
}

.iti, #phone {
  width: 100%;
}


.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq-section {
  margin-bottom: var(--spacing-2xl);
}

.faq-section-title {
  font-size: 1.5rem;
  margin-bottom: var(--spacing-xl);
  border-bottom: 1px solid var(--border-color);
  padding-bottom: var(--spacing-sm);
}

.faq-item {
  margin-bottom: var(--spacing-lg);
}

.faq-question {
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
  font-size: 1.125rem;
  cursor: pointer;
  position: relative;
  padding-right: 30px;
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--accent-color);
}

.faq-question::after {
  content: '\f107';
  font-family: 'Font Awesome 5 Free';
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  transition: var(--transition);
}

.faq-question.active::after {
  transform: translateY(-50%) rotate(180deg);
}

.faq-answer {
  color: var(--text-gray);
  font-size: 0.95rem;
  padding-left: var(--spacing-md);
  border-left: 3px solid var(--light-accent);
}


.re-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
  align-items: center;
  margin-bottom: var(--spacing-2xl);
}

.re-intro-content {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.re-intro-image {
  border-radius: var(--border-radius);
  overflow: hidden;
}

.re-intro-image img {
  width: 100%;
  height: auto;
  display: block;
}

.re-categories {
  margin-bottom: var(--spacing-2xl);
}

.re-category {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  padding: var(--spacing-lg);
  margin-bottom: var(--spacing-lg);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}

.re-category-title {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
  display: flex;
  align-items: center;
}

.re-category-title i {
  margin-right: var(--spacing-md);
  color: var(--accent-color);
  font-size: 1.5rem;
}

.re-category-content {
  color: var(--text-gray);
}

.re-combine {
  margin-bottom: var(--spacing-2xl);
}

.re-risks {
  margin-bottom: var(--spacing-2xl);
}

.re-checklist {
  margin-bottom: var(--spacing-2xl);
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  margin-bottom: var(--spacing-md);
}

.checklist-item i {
  color: var(--success-color);
  margin-right: var(--spacing-md);
  margin-top: 4px;
}

.checklist-content {
  flex: 1;
}

.checklist-title {
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.checklist-description {
  color: var(--text-gray);
  font-size: 0.95rem;
}


.etf-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
  align-items: center;
  margin-bottom: var(--spacing-2xl);
}

.etf-intro-content {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.etf-intro-image {
  border-radius: var(--border-radius);
  overflow: hidden;
}

.etf-intro-image img {
  width: 100%;
  height: auto;
  display: block;
}

.etf-types {
  margin-bottom: var(--spacing-2xl);
}

.etf-types-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--spacing-lg);
}

.etf-type {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  padding: var(--spacing-lg);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  border-top: 3px solid var(--accent-color);
}

.etf-type-title {
  font-size: 1.125rem;
  margin-bottom: var(--spacing-md);
}

.etf-type-description {
  color: var(--text-gray);
  font-size: 0.95rem;
}

.etf-selection {
  margin-bottom: var(--spacing-2xl);
}

.etf-selection-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--spacing-lg);
}

.etf-selection-item {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  padding: var(--spacing-lg);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}

.etf-selection-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--light-accent);
  color: var(--primary-color);
  display: flex;
  justify-content: center;
  align-items: center;
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
}

.etf-selection-title {
  font-size: 1.125rem;
  margin-bottom: var(--spacing-sm);
}

.etf-selection-description {
  color: var(--text-gray);
  font-size: 0.95rem;
}

.etf-portfolios {
  margin-bottom: var(--spacing-2xl);
}

.portfolio-types {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-lg);
}

.portfolio-type {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
}

.portfolio-header {
  padding: var(--spacing-md);
  background-color: var(--primary-color);
  color: var(--text-light);
  text-align: center;
  font-weight: 600;
}

.portfolio-header.conservative {
  background-color: var(--light-accent);
}

.portfolio-header.balanced {
  background-color: var(--accent-color);
}

.portfolio-header.aggressive {
  background-color: var(--secondary-color);
}

.portfolio-content {
  padding: var(--spacing-lg);
}

.allocation-item {
  display: flex;
  justify-content: space-between;
  margin-bottom: var(--spacing-sm);
  font-size: 0.875rem;
}

.allocation-item:last-child {
  margin-bottom: 0;
}

.allocation-type {
  color: var(--text-gray);
}

.allocation-percentage {
  font-weight: 600;
}

.etf-mistakes {
  background-color: var(--light-bg);
  border-radius: var(--border-radius);
  padding: var(--spacing-xl);
  margin-bottom: var(--spacing-2xl);
}

.mistakes-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--spacing-lg);
}

.mistake-item {
  display: flex;
  align-items: flex-start;
}

.mistake-icon {
  flex-shrink: 0;
  color: var(--error-color);
  font-size: 1.25rem;
  margin-right: var(--spacing-md);
  margin-top: 2px;
}

.mistake-content {
  flex: 1;
}

.mistake-title {
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
  font-size: 0.95rem;
}

.mistake-description {
  color: var(--text-gray);
  font-size: 0.875rem;
}


.contacts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-2xl);
  margin-bottom: var(--spacing-2xl);
}

.contacts-info {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.contact-card {
  display: flex;
  align-items: flex-start;
}

.contact-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  background-color: var(--light-accent);
  color: var(--primary-color);
  border-radius: 50%;
  display: flex;
  justify-content: center;
  align-items: center;
  font-size: 1.25rem;
  margin-right: var(--spacing-md);
}

.contact-content {
  flex: 1;
}

.contact-label {
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.contact-value {
  color: var(--text-gray);
}

.office-hours {
  background-color: var(--light-bg);
  border-radius: var(--border-radius);
  padding: var(--spacing-lg);
  margin-top: var(--spacing-lg);
}

.hours-title {
  font-weight: 600;
  margin-bottom: var(--spacing-md);
}

.hours-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.hours-item {
  display: flex;
  justify-content: space-between;
  padding: var(--spacing-sm) 0;
  border-bottom: 1px solid var(--border-color);
}

.hours-item:last-child {
  border-bottom: none;
}

.hours-day {
  font-weight: 500;
}

.hours-time {
  color: var(--text-gray);
}

.contacts-map {
  border-radius: var(--border-radius);
  overflow: hidden;
  height: 100%;
  min-height: 400px;
  background-color: var(--light-bg);
}

.contacts-map img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}


.thank-you {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: calc(100vh - var(--header-height) - var(--footer-height));
  padding: var(--spacing-3xl) 0;
}

.thank-you-icon {
  font-size: 4rem;
  color: var(--success-color);
  margin-bottom: var(--spacing-lg);
}

.thank-you-title {
  font-size: 2rem;
  margin-bottom: var(--spacing-md);
}

.thank-you-message {
  color: var(--text-gray);
  max-width: 600px;
  margin: 0 auto var(--spacing-xl);
}


.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background-color: var(--primary-color);
  color: var(--text-light);
  padding: var(--spacing-xl);
  z-index: 1000;
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
  box-shadow: 0 -4px 12px rgba(0, 0, 0, 0.1);
}

.cookie-banner.hidden {
  display: none;
}

.cookie-title {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-sm);
  color: var(--text-light);
}

.cookie-text {
  font-size: 0.95rem;
  margin-bottom: var(--spacing-md);
}

.cookie-actions {
  display: flex;
  gap: var(--spacing-md);
}

.cookie-btn {
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--border-radius);
  font-weight: 500;
  font-size: 0.875rem;
  cursor: pointer;
  border: none;
  transition: var(--transition);
}

.cookie-accept {
  background-color: var(--accent-color);
  color: var(--text-light);
}

.cookie-accept:hover {
  background-color: var(--light-accent);
}

.cookie-customize {
  background-color: transparent;
  color: var(--text-light);
  border: 1px solid var(--text-light);
}

.cookie-customize:hover {
  background-color: rgba(255, 255, 255, 0.1);
}

.cookie-modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(0, 0, 0, 0.5);
  display: flex;
  justify-content: center;
  align-items: center;
  z-index: 1001;
  padding: var(--spacing-md);
}

.cookie-modal.hidden {
  display: none;
}

.cookie-modal-content {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  max-width: 600px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  padding: var(--spacing-xl);
}

.cookie-modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-lg);
}

.cookie-modal-title {
  font-size: 1.5rem;
  margin: 0;
}

.cookie-modal-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--text-gray);
  cursor: pointer;
}

.cookie-modal-close:hover {
  color: var(--text-dark);
}

.cookie-types {
  margin-bottom: var(--spacing-lg);
}

.cookie-type {
  margin-bottom: var(--spacing-md);
  padding-bottom: var(--spacing-md);
  border-bottom: 1px solid var(--border-color);
}

.cookie-type:last-child {
  border-bottom: none;
}

.cookie-type-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-sm);
}

.cookie-type-title {
  font-weight: 600;
  font-size: 1rem;
}

.cookie-switch {
  position: relative;
  display: inline-block;
  width: 40px;
  height: 24px;
}

.cookie-switch input {
  opacity: 0;
  width: 0;
  height: 0;
}

.cookie-slider {
  position: absolute;
  cursor: pointer;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: var(--border-color);
  transition: var(--transition);
  border-radius: 12px;
}

.cookie-slider:before {
  position: absolute;
  content: "";
  height: 18px;
  width: 18px;
  left: 3px;
  bottom: 3px;
  background-color: var(--text-light);
  transition: var(--transition);
  border-radius: 50%;
}

input:checked + .cookie-slider {
  background-color: var(--accent-color);
}

input:focus + .cookie-slider {
  box-shadow: 0 0 1px var(--accent-color);
}

input:checked + .cookie-slider:before {
  transform: translateX(16px);
}

.cookie-type-description {
  font-size: 0.875rem;
  color: var(--text-gray);
}

.cookie-modal-actions {
  display: flex;
  justify-content: flex-end;
  gap: var(--spacing-md);
  margin-top: var(--spacing-lg);
}

.cookie-button-float {
  position: fixed;
  bottom: var(--spacing-xl);
  right: var(--spacing-xl);
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background-color: var(--accent-color);
  color: var(--text-light);
  display: flex;
  justify-content: center;
  align-items: center;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  cursor: pointer;
  transition: var(--transition);
  border: none;
  z-index: 90;
}

.cookie-button-float:hover {
  background-color: var(--light-accent);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
}


.risk-simulator {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  padding: var(--spacing-xl);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
  margin-bottom: var(--spacing-2xl);
}

.simulator-title {
  font-size: 1.5rem;
  margin-bottom: var(--spacing-lg);
  text-align: center;
}

.simulator-description {
  color: var(--text-gray);
  text-align: center;
  margin-bottom: var(--spacing-xl);
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.simulator-controls {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
  margin-bottom: var(--spacing-xl);
}

.risk-slider-container {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.risk-slider-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
}

.risk-slider-value {
  font-weight: 600;
  color: var(--accent-color);
}

.risk-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: linear-gradient(to right, var(--light-accent), var(--primary-color));
  outline: none;
}

.risk-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent-color);
  cursor: pointer;
  border: 2px solid var(--text-light);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.2);
}

.risk-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent-color);
  cursor: pointer;
  border: 2px solid var(--text-light);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.2);
}

.asset-toggles {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.asset-toggle {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
}

.toggle-switch {
  position: relative;
  display: inline-block;
  width: 50px;
  height: 24px;
}

.toggle-switch input {
  opacity: 0;
  width: 0;
  height: 0;
}

.toggle-slider {
  position: absolute;
  cursor: pointer;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: var(--border-color);
  transition: var(--transition);
  border-radius: 12px;
}

.toggle-slider:before {
  position: absolute;
  content: "";
  height: 18px;
  width: 18px;
  left: 3px;
  bottom: 3px;
  background-color: var(--text-light);
  transition: var(--transition);
  border-radius: 50%;
}

input:checked + .toggle-slider {
  background-color: var(--accent-color);
}

input:focus + .toggle-slider {
  box-shadow: 0 0 1px var(--accent-color);
}

input:checked + .toggle-slider:before {
  transform: translateX(26px);
}

.toggle-label {
  font-size: 0.95rem;
  font-weight: 500;
}

.simulator-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
}

.result-chart {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.chart-title {
  font-weight: 600;
  margin-bottom: var(--spacing-md);
  text-align: center;
}

.pie-chart {
  width: 240px;
  height: 240px;
  position: relative;
  border-radius: 50%;
  overflow: hidden;
  background-color: var(--light-bg);
  margin-bottom: var(--spacing-md);
}

.pie-segment {
  position: absolute;
  width: 100%;
  height: 100%;
  transform-origin: 50% 100%;
  transition: all 0.5s ease-out;
}

.chart-legend {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-md);
}

.legend-item {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  font-size: 0.75rem;
}

.legend-color {
  width: 12px;
  height: 12px;
  border-radius: 2px;
}

.projection-chart {
  height: 240px;
  background-color: var(--light-bg);
  border-radius: var(--border-radius);
  position: relative;
  margin-bottom: var(--spacing-md);
}

.projection-line {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 2px;
  height: 0;
  background-color: var(--accent-color);
  transition: all 0.5s ease-out;
}

.projection-explanation {
  font-size: 0.875rem;
  color: var(--text-gray);
  text-align: center;
}

.result-explanation {
  background-color: var(--light-bg);
  border-radius: var(--border-radius);
  padding: var(--spacing-lg);
}

.risk-profile-name {
  font-weight: 600;
  color: var(--accent-color);
  margin-bottom: var(--spacing-sm);
}

.risk-explanation {
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: var(--spacing-md);
}

.explanation-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-md);
}

.stat-item {
  font-size: 0.875rem;
}

.stat-label {
  font-weight: 500;
  color: var(--text-gray);
}

.stat-value {
  font-weight: 600;
  color: var(--text-dark);
}

.simulator-note {
  font-size: 0.75rem;
  color: var(--text-gray);
  text-align: center;
  margin-top: var(--spacing-lg);
  padding-top: var(--spacing-md);
  border-top: 1px solid var(--border-color);
}


.modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(0, 0, 0, 0.5);
  display: flex;
  justify-content: center;
  align-items: center;
  z-index: 1000;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.modal.active {
  opacity: 1;
  visibility: visible;
}

.modal-content {
  background-color: var(--text-light);
  border-radius: var(--border-radius);
  width: 100%;
  max-width: 500px;
  max-height: 90vh;
  overflow-y: auto;
  padding: var(--spacing-xl);
  transform: translateY(20px);
  transition: transform 0.3s ease-out;
}

.modal.active .modal-content {
  transform: translateY(0);
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-lg);
}

.modal-title {
  font-size: 1.5rem;
  margin: 0;
}

.modal-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--text-gray);
  cursor: pointer;
  transition: var(--transition);
}

.modal-close:hover {
  color: var(--text-dark);
}

.modal-body {
  margin-bottom: var(--spacing-lg);
}

.modal-footer {
  display: flex;
  justify-content: flex-end;
  gap: var(--spacing-md);
}


.legal-content {
  max-width: 800px;
  margin: 0 auto;
}

.legal-title {
  font-size: 2rem;
  margin-bottom: var(--spacing-lg);
}

.legal-updated {
  font-size: 0.875rem;
  color: var(--text-gray);
  margin-bottom: var(--spacing-xl);
  padding-bottom: var(--spacing-md);
  border-bottom: 1px solid var(--border-color);
}

.legal-section {
  margin-bottom: var(--spacing-xl);
}

.legal-section h3 {
  font-size: 1.5rem;
  margin-bottom: var(--spacing-md);
}

.legal-section h4 {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
  margin-top: var(--spacing-lg);
}

.legal-section p {
  margin-bottom: var(--spacing-md);
}

.legal-list {
  margin-bottom: var(--spacing-md);
}

.legal-list li {
  margin-bottom: var(--spacing-sm);
}


@media screen and (max-width: 991px) {
  :root {
    --header-height: 70px;
  }

  h1 {
    font-size: 2rem;
  }

  h2 {
    font-size: 1.75rem;
  }

  h3 {
    font-size: 1.5rem;
  }

  .section {
    padding: var(--spacing-2xl) 0;
  }

  .hero-container {
    flex-direction: column;
    gap: var(--spacing-xl);
  }

  .hero-content {
    max-width: 100%;
    text-align: center;
  }

  .hero-buttons {
    justify-content: center;
  }

  .footer-container {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
  }

  .footer-logo,
  .footer-nav,
  .footer-contact {
    text-align: center;
  }

  .footer-logo img {
    margin-left: auto;
    margin-right: auto;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-md);
    text-align: center;
  }
  
  .re-intro,
  .etf-intro {
    grid-template-columns: 1fr;
  }
  
  .portfolio-types {
    grid-template-columns: 1fr;
  }
  
  .contacts-grid {
    grid-template-columns: 1fr;
  }
  
  .simulator-controls,
  .simulator-results {
    grid-template-columns: 1fr;
  }
}

@media screen and (max-width: 767px) {
  :root {
    --header-height: 60px;
  }

  .header-container {
    position: relative;
  }

  .nav {
    position: absolute;
    top: var(--header-height);
    left: 0;
    right: 0;
    background-color: var(--text-light);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
    flex-direction: column;
    padding: var(--spacing-md);
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 90;
  }

  .nav.active {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .nav-list {
    flex-direction: column;
  }

  .nav-item {
    margin: 0;
    width: 100%;
  }

  .nav-link {
    display: block;
    padding: var(--spacing-md);
    border-bottom: 1px solid var(--border-color);
  }

  .nav-link.active::after {
    display: none;
  }

  .burger-menu {
    display: block;
  }
  
  .step {
    flex-direction: column;
  }
  
  .form-grid {
    grid-template-columns: 1fr;
  }
}