:root {
  --primary-color: #0b7578;
  --secondary-color: #f2f8f8;
  --accent-color: #269094;
  --text-dark: #333333;
  --text-light: #5a6c7d;
  --border-color: #ddd;
  --transition: all 0.2s ease;
}

.knowledge-banner-title {
  margin: 170px 0 50px;
  text-align: center;
  font-size: clamp(26px, 4vw, 37px);
  font-weight: 600;
  color: var(--text-dark);
}

.debts-title-programma-baza {
  text-align: center;
  font-size: 32px;
  font-weight: 600;
  margin: 0 0 50px;
  margin-left: 20px;
  margin-right: 20px;
}

.color-primary {
  color: var(--primary-color);
}

.knowledge-faq-wrapper {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 30px;
  margin-bottom: 60px;
}

.knowledge-faq-aside {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.knowledge-faq-aside-item {
  padding: 12px 16px;
  border: none;
  background: var(--secondary-color);
  border-radius: 6px;
  font-size: 18px;
  text-align: left;
  cursor: pointer;
  color: #B35A12;
  font-weight: 500;
  transition: var(--transition);
}

.knowledge-faq-aside-item.active,
.knowledge-faq-aside-item:hover {
  background: var(--primary-color);
  color: #fff;
}

.knowledge-faq-content {
  display: none;
}

.knowledge-faq-content.active {
  display: block;
}

.knowledge-faq-item {
  position: relative;
  border: 1px solid var(--border-color);
  border-radius: 6px;
  margin: 0 20px 16px;
  overflow: hidden;
  scroll-margin-top: 100px;
  overflow-wrap: anywhere;
  word-break: break-word;
}

.knowledge-faq-title {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 16px;
  background: #f9fdfd;
  border: none;
  font-size: 19px;
  font-weight: 400;
  text-align: left;
  cursor: pointer;
  transition: var(--transition);
  touch-action: manipulation;
}

.knowledge-faq-title:hover {
  background: #f0f8f8;
}

.knowledge-faq-item.active .knowledge-faq-title {
  color: #B35A12;
  background: #fef8f4;
}

.faq-title-text {
  flex: 1;
  text-align: left;
  color: #B35A12;
}

.faq-icon {
  position: relative;
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-left: 15px;
}

.faq-plus, .faq-minus {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  background: #B35A12;
  transition: all 0.3s ease;
}

.faq-plus {
  width: 14px;
  height: 2px;
}

.faq-plus::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 2px;
  height: 14px;
  background: #B35A12;
  transition: all 0.3s ease;
}

.faq-minus {
  width: 14px;
  height: 2px;
  opacity: 0;
  transform: translate(-50%, -50%) rotate(90deg);
}

.knowledge-faq-item.active .faq-plus::after {
  opacity: 0;
  transform: translate(-50%, -50%) rotate(45deg);
}

.knowledge-faq-item.active .faq-minus {
  opacity: 1;
  transform: translate(-50%, -50%) rotate(0deg);
}

.knowledge-faq-item.active .faq-plus,
.knowledge-faq-item.active .faq-minus {
  background: #B35A12;
}

.knowledge-faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease-out;
  padding: 0 16px;
}

.knowledge-faq-item.active .knowledge-faq-body {
  max-height: 2000px;
  padding: 16px;
}

.knowledge-faq-body p {
  margin-bottom: 15px;
  font-size: 17px;
}

.knowledge-faq-body ul {
  list-style: none;
  margin: 15px 0;
  padding: 0;
  font-size: 17px;
}

.knowledge-faq-body li {
  position: relative;
  padding-left: 28px;
  margin: 10px 0;
}

.knowledge-faq-body li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.6em;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230B7578'><path d='M6.173 13.727L1.4 8.954l1.414-1.414 3.359 3.359 7.025-7.025 1.414 1.414z'/></svg>") no-repeat center center;
  background-size: contain;
}

.table-knowledge {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  font-size: 14px;
}

.table-knowledge th,
.table-knowledge td {
  border: 1px solid var(--border-color);
  padding: 12px;
  text-align: left;
}

.table-knowledge th {
  background-color: #f2f2f2;
  font-weight: 600;
}

.faq-share-bottom-btn {
  position: absolute;
  right: 15px;
  bottom: 15px;
  opacity: 0.7;
  background: #fff;
  font-weight: bold;
  transition: opacity 0.2s ease;
}

.knowledge-faq-item:not(.active) .faq-share-bottom-btn {
  display: none;
}

.faq-share-bottom-btn:hover {
  opacity: 1;
  color: #0B7578;
}

.kf-faq-share-btn svg {
  width: 18px;
  height: 18px;
}

.referal-buner-wrap-baza {
  width: 100%;
  margin: 70px 0;
}

.referal-buner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  overflow: hidden;
  border-radius: 12px;
  box-shadow: 0 8px 25px rgba(0,0,0,0.1);
  min-height: 320px;
  margin-right: 80px;
  margin-left: 80px;
}

.referal-buner-left {
  position: relative;
  padding: 25px;
  background: linear-gradient(90deg, #62BCBF 0%, var(--accent-color) 100%);
}

.referal-buner-left-front,
.referal-buner-left-back {
  position: absolute;
  inset: 0;
}

.referal-buner-left-front img,
.referal-buner-left-back img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.referal-buner-left-content {
  position: relative;
  padding: 25px 20px;
  background: linear-gradient(180deg, #2B9295 0%, rgba(66, 180, 183, 0.70) 100%);
  backdrop-filter: blur(7.5px);
  border-radius: 8px;
  box-shadow: 0px 4px 12px rgba(0, 0, 0, 0.1);
  font-size: 15px;
  color: #fff;
  z-index: 2;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.referal-steps {
  display: flex;
  flex-direction: column;
  gap: 30px;
}

.referal-step {
  position: relative;
  padding-left: 35px;
  line-height: 1.4;
  font-size: 16px;
}

.referal-step b {
  color: #fff;
  font-weight: 600;
}

.step-marker {
  position: absolute;
  left: 0;
  top: 5px;
  width: 25px;
  height: 25px;
  background: #fff;
  color: var(--accent-color);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 12px;
}

.referal-buner-right {
  padding: 30px 25px;
  background: #E5F2F2;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.referal-buner-right-title {
  margin-bottom: 20px;
  font-size: 18px;
  font-weight: 600;
  line-height: 1.4;
  color: #2c3e50;
}

.referal-buner-right-text {
  font-size: 15px;
  line-height: 1.5;
  color: var(--text-light);
}

.referal-buner-right-btns {
  display: flex;
  flex-direction: column;
  margin-top: 30px;
  gap: 15px;
  max-width: 100px;
}

.knowledge-faq-aside-item:link,
.knowledge-faq-aside-item:visited,
.knowledge-faq-aside-item:hover,
.knowledge-faq-aside-item:active,
.knowledge-faq-aside-item:focus {
  color: inherit;
}

.knowledge-faq-aside-item.active,
.knowledge-faq-aside-item.active:visited {
  background: var(--primary-color);
  color: #fff;
}
 
@media (max-width: 1210px) {
  .knowledge-banner-title {
    margin: 110px 0 40px;
  }
}

@media (max-width: 1200px) {
  .referal-buner {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .knowledge-faq-wrapper {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  
  .knowledge-faq-aside {
    margin: 0 20px;
  }
  
  .knowledge-banner-title {
    margin: 110px 0 30px;
  }
  
  .referal-buner {
    grid-template-columns: 1fr;
    min-height: auto;
    margin: 0 20px;
  }
  
  .referal-buner-left {
    padding: 12px 12px 100px;
  }
  
  .referal-buner-left-content {
    padding: 20px 15px;
  }
  
  .referal-steps {
    gap: 15px;
  }
  
  .referal-step b {
    font-size: 14px;
  }
  
  .step-marker {
    width: 22px;
    height: 22px;
    font-size: 11px;
    margin-top: 5px;
  }
  
  .referal-buner-right {
    padding: 25px 20px;
    min-width: 0;
    text-align: center;
  }
  
  .referal-buner-right-title {
    font-size: 16px;
    margin-bottom: 15px;
    margin: 0 20px 15px;
  }
  
  .referal-buner-right-text {
    font-size: 15px;
    margin: 0 20px;
  }
  
  .referal-buner-right-btns {
    margin-top: 25px;
    align-self: center;
    flex-direction: row;
    justify-content: center;
    max-width: none;
  }
  
  .knowledge-faq-title {
    padding-right: 40px;
    min-height: 54px;
    align-items: center;
  }
    
  .faq-icon {
    width: 18px;
    height: 18px;
    margin-left: 10px;
  }
    
  .faq-plus {
    width: 12px;
  }
    
  .faq-plus::after {
    height: 12px;
  }
    
  .faq-minus {
    width: 12px;
  }
}

@media (max-width: 600px) {
  .debts-title-programma-baza {
    font-size: 24px;
    margin-bottom: 40px;
    line-height: 1.6;
    margin: 0 20px 40px;
  }
  
  .table-knowledge {
    font-size: 12px;
  }
  
  .table-knowledge th,
  .table-knowledge td {
    padding: 8px;
  }
}

@media (max-width: 476px) {
  .referal-buner-left-content {
    padding: 15px 12px;
  }
  
  .referal-steps {
    gap: 12px;
  }
  
  .referal-step {
    padding-left: 32px;
    font-size: 16px;
    line-height: 1.6;
  }
  
  .referal-step b {
    font-size: 14px;
  }
  
  .knowledge-faq-title {
    padding: 14px 35px 14px 12px;
    font-size: 16px;
    line-height: 1.6;
    min-height: 50px;
  }
  
  .knowledge-faq-body {
    font-size: 14px;
  }
    
  .faq-icon {
    width: 16px;
    height: 16px;
  }
    
  .faq-plus,
  .faq-minus {
    width: 10px;
  }
    
  .faq-plus::after {
    height: 10px;
  }
}

@media (max-width: 385px) {
  .referal-buner-right-btns {
    margin-top: 25px;
  }
}