{"id":1361,"date":"2025-03-24T17:45:04","date_gmt":"2025-03-24T17:45:04","guid":{"rendered":"https:\/\/excel-erasmus.eu\/?page_id=1361"},"modified":"2025-12-02T16:15:56","modified_gmt":"2025-12-02T16:15:56","slug":"debt-and-risk-management","status":"publish","type":"page","link":"https:\/\/excel-erasmus.eu\/es\/gestion-de-la-deuda-y-el-riesgo\/","title":{"rendered":"Gesti\u00f3n de la deuda y el riesgo"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Financial Literacy Training Programme<\/title>\r\n <link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.0.0\/css\/all.min.css\">\r\n <style>\r\n :root {\r\n --white: #ffffff;\r\n --black: #000000;\r\n --yellow: #ffde59;\r\n --pink: #ff8bd2;\r\n --blue: #5ce1e6;\r\n }\r\n\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n font-family: Verdana, Geneva, Tahoma, sans-serif;\r\n }\r\n\r\n html, body {\r\n width: 100%;\r\n overflow-x: hidden;\r\n margin: 0;\r\n padding: 0;\r\n background-color: #f5f5f5;\r\n min-height: 100vh;\r\n display: flex;\r\n flex-direction: column;\r\n scroll-behavior: smooth;\r\n }\r\n\r\n body {\r\n color: var(--black);\r\n position: relative;\r\n }\r\n\r\n .container {\r\n width: 100%;\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n padding: 2rem;\r\n box-sizing: border-box;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 3rem;\r\n }\r\n\r\n .page-title {\r\n text-align: center;\r\n color: var(--black);\r\n font-size: 2.5rem;\r\n padding: 2rem;\r\n background: var(--yellow);\r\n border-radius: 15px;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n margin: 0;\r\n }\r\n\r\n .page-subtitle {\r\n text-align: center;\r\n color: var(--black);\r\n font-size: 1.2rem;\r\n padding: 1rem;\r\n background: rgba(255,255,255,0.9);\r\n border-radius: 10px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.05);\r\n margin: 0;\r\n }\r\n\r\n .video-section {\r\n width: 100%;\r\n margin-bottom: 3rem;\r\n background: rgba(255,255,255,0.95);\r\n border-radius: 15px;\r\n padding: 2rem;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .video-card {\r\n max-width: 800px;\r\n margin: 0 auto;\r\n text-align: center;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 2rem;\r\n }\r\n\r\n .video-player-container {\r\n position: relative;\r\n width: 100%;\r\n max-width: 800px;\r\n margin: 0 auto;\r\n border-radius: 15px;\r\n overflow: hidden;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .video-player-container video {\r\n width: 100%;\r\n height: auto;\r\n display: block;\r\n border-radius: 15px;\r\n }\r\n\r\n .video-description {\r\n text-align: center;\r\n padding: 1rem;\r\n color: var(--black);\r\n font-size: 1.1rem;\r\n line-height: 1.6;\r\n }\r\n\r\n .video-controls {\r\n display: flex;\r\n justify-content: center;\r\n gap: 1rem;\r\n margin-top: 1rem;\r\n }\r\n\r\n .video-controls button {\r\n padding: 0.8rem 1.5rem;\r\n border: none;\r\n border-radius: 25px;\r\n background: var(--blue);\r\n color: var(--white);\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n display: flex;\r\n align-items: center;\r\n gap: 0.5rem;\r\n }\r\n\r\n .video-controls button:hover {\r\n background: var(--pink);\r\n transform: translateY(-2px);\r\n }\r\n\r\n .resources-section {\r\n width: 100%;\r\n }\r\n\r\n .features-grid {\r\n display: grid;\r\n grid-template-columns: repeat(2, 1fr);\r\n gap: 3rem;\r\n width: 100%;\r\n margin: 0;\r\n }\r\n\r\n .features-grid:last-child {\r\n grid-template-columns: repeat(2, 1fr);\r\n margin-bottom: 0;\r\n width: 100%;\r\n }\r\n\r\n .features-grid:last-child .feature-card {\r\n width: 100%;\r\n margin: 0;\r\n }\r\n\r\n .video-card {\r\n grid-column: 1 \/ -1;\r\n max-width: 800px;\r\n margin: 0 auto;\r\n }\r\n\r\n .feature-card {\r\n background-color: rgba(255,255,255,0.95);\r\n border: 2px solid var(--yellow);\r\n border-radius: 15px;\r\n padding: 2rem;\r\n text-align: center;\r\n transition: all 0.3s ease;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 2rem;\r\n height: 100%;\r\n }\r\n\r\n .feature-card::before {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 5px;\r\n background: linear-gradient(90deg, var(--yellow), var(--pink));\r\n }\r\n\r\n .feature-card:hover {\r\n transform: translateY(-10px);\r\n box-shadow: 0 8px 25px rgba(0,0,0,0.15);\r\n }\r\n\r\n .feature-card .content {\r\n flex: 1;\r\n display: flex;\r\n flex-direction: column;\r\n align-items: center;\r\n justify-content: center;\r\n gap: 1rem;\r\n }\r\n\r\n .feature-card i {\r\n font-size: 3rem;\r\n color: var(--pink);\r\n margin-bottom: 1rem;\r\n transition: transform 0.3s ease;\r\n }\r\n\r\n .feature-card:hover i {\r\n transform: scale(1.1);\r\n }\r\n\r\n .feature-card h3 {\r\n color: var(--black);\r\n margin-bottom: 1rem;\r\n font-size: 1.4rem;\r\n font-weight: bold;\r\n }\r\n\r\n .feature-card p {\r\n color: var(--black);\r\n line-height: 1.6;\r\n font-size: 1rem;\r\n margin-bottom: 1.5rem;\r\n flex-grow: 1;\r\n }\r\n\r\n .feature-card img {\r\n width: 100%;\r\n max-width: 180px;\r\n height: auto;\r\n margin: 1rem 0;\r\n border-radius: 10px;\r\n object-fit: cover;\r\n }\r\n\r\n .download-btn {\r\n background: var(--blue);\r\n color: var(--white);\r\n padding: 1rem 2rem;\r\n border: none;\r\n border-radius: 25px;\r\n cursor: pointer;\r\n font-size: 1.1rem;\r\n transition: all 0.3s ease;\r\n width: auto;\r\n max-width: 100%;\r\n box-sizing: border-box;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n text-transform: uppercase;\r\n letter-spacing: 1px;\r\n font-weight: bold;\r\n }\r\n\r\n .download-btn i {\r\n color: var(--white);\r\n }\r\n\r\n .download-btn:hover {\r\n transform: translateY(-2px);\r\n box-shadow: 0 6px 20px rgba(0,0,0,0.15);\r\n background: var(--yellow);\r\n }\r\n\r\n .quiz-container {\r\n background: rgba(255,255,255,0.95);\r\n padding: 2rem;\r\n border-radius: 15px;\r\n margin: 2rem auto;\r\n max-width: 800px;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .quiz-question {\r\n margin-bottom: 2rem;\r\n padding: 1.5rem;\r\n background: white;\r\n border-radius: 10px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.05);\r\n }\r\n\r\n .quiz-options {\r\n display: grid;\r\n gap: 1rem;\r\n margin-top: 1rem;\r\n }\r\n\r\n .quiz-option {\r\n padding: 1rem;\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .quiz-option::after {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: var(--yellow);\r\n opacity: 0;\r\n transition: opacity 0.3s ease;\r\n z-index: -1;\r\n }\r\n\r\n .quiz-option:hover::after {\r\n opacity: 0.2;\r\n }\r\n\r\n .quiz-option.correct {\r\n background: #4CAF50;\r\n color: white;\r\n border-color: #4CAF50;\r\n }\r\n\r\n .quiz-option.incorrect {\r\n background: #f44336;\r\n color: white;\r\n border-color: #f44336;\r\n }\r\n\r\n .escape-room-container {\r\n background: rgba(255,255,255,0.95);\r\n padding: 2rem;\r\n border-radius: 15px;\r\n margin: 2rem auto;\r\n max-width: 800px;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .puzzle {\r\n background: white;\r\n padding: 1.5rem;\r\n border-radius: 10px;\r\n margin-bottom: 1.5rem;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.05);\r\n }\r\n\r\n .puzzle-input {\r\n width: 100%;\r\n max-width: 400px;\r\n padding: 1rem;\r\n margin: 1rem auto;\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n font-size: 1.1rem;\r\n transition: all 0.3s ease;\r\n display: block;\r\n text-align: center;\r\n }\r\n\r\n .puzzle-input:focus {\r\n border-color: var(--pink);\r\n outline: none;\r\n box-shadow: 0 0 5px rgba(255,139,210,0.3);\r\n }\r\n\r\n .puzzle-input option {\r\n padding: 0.5rem;\r\n font-size: 1rem;\r\n line-height: 1.4;\r\n word-wrap: break-word;\r\n white-space: normal;\r\n }\r\n\r\n .puzzle-options {\r\n display: flex;\r\n flex-direction: column;\r\n gap: 1rem;\r\n margin: 1rem 0;\r\n }\r\n\r\n .puzzle-option-btn {\r\n padding: 1rem 1.5rem;\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n background: white;\r\n color: var(--black);\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n font-size: 1rem;\r\n text-align: left;\r\n line-height: 1.4;\r\n word-wrap: break-word;\r\n white-space: normal;\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .puzzle-option-btn::after {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: var(--yellow);\r\n opacity: 0;\r\n transition: opacity 0.3s ease;\r\n z-index: -1;\r\n }\r\n\r\n .puzzle-option-btn:hover::after {\r\n opacity: 0.2;\r\n }\r\n\r\n .puzzle-option-btn.selected {\r\n background: var(--yellow);\r\n color: var(--black);\r\n border-color: var(--pink);\r\n transform: translateY(-2px);\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .puzzle-option-btn.correct {\r\n background: #4CAF50;\r\n color: white;\r\n border-color: #4CAF50;\r\n }\r\n\r\n .puzzle-option-btn.incorrect {\r\n background: #f44336;\r\n color: white;\r\n border-color: #f44336;\r\n }\r\n\r\n .selected-answer {\r\n background: rgba(255, 193, 7, 0.1);\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n padding: 1rem;\r\n margin: 1rem 0;\r\n font-size: 1.1rem;\r\n color: var(--dark-gray);\r\n text-align: center;\r\n display: none;\r\n }\r\n\r\n .selected-answer.show {\r\n display: block;\r\n }\r\n\r\n .puzzle-input.correct {\r\n border-color: #4CAF50;\r\n background: #E8F5E9;\r\n }\r\n\r\n .puzzle-input.incorrect {\r\n border-color: #f44336;\r\n background: #FFEBEE;\r\n }\r\n\r\n .progress-bar {\r\n width: 100%;\r\n height: 20px;\r\n background: #eee;\r\n border-radius: 10px;\r\n margin: 1rem 0;\r\n overflow: hidden;\r\n }\r\n\r\n .progress {\r\n width: 0%;\r\n height: 100%;\r\n background: linear-gradient(90deg, var(--yellow), var(--pink));\r\n transition: width 0.3s ease;\r\n }\r\n\r\n .modal {\r\n display: none;\r\n position: fixed;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: rgba(0,0,0,0.8);\r\n z-index: 1000;\r\n justify-content: center;\r\n align-items: center;\r\n }\r\n\r\n .modal-content {\r\n background: white;\r\n padding: 2rem;\r\n border-radius: 15px;\r\n max-width: 1000px;\r\n width: 95%;\r\n text-align: center;\r\n max-height: 90vh;\r\n overflow-y: auto;\r\n position: relative;\r\n margin: 2rem auto;\r\n box-sizing: border-box;\r\n }\r\n\r\n .close-modal {\r\n position: absolute;\r\n top: 1rem;\r\n right: 1rem;\r\n font-size: 1.5rem;\r\n cursor: pointer;\r\n color: var(--black);\r\n }\r\n\r\n @media (max-width: 1024px) {\r\n .container {\r\n padding: 1rem;\r\n }\r\n\r\n .features-grid {\r\n grid-template-columns: repeat(2, 1fr);\r\n }\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .container {\r\n padding: 1rem;\r\n }\r\n \r\n .modal-content {\r\n width: 98%;\r\n padding: 0.8rem;\r\n margin: 0.5rem auto;\r\n max-height: 98vh;\r\n }\r\n\r\n .page-title {\r\n font-size: 2rem;\r\n padding: 1.5rem;\r\n }\r\n\r\n .video-section {\r\n margin-bottom: 2rem;\r\n }\r\n\r\n .video-card {\r\n max-width: 100%;\r\n padding: 1.5rem;\r\n }\r\n\r\n .features-grid {\r\n grid-template-columns: 1fr;\r\n }\r\n\r\n .features-grid:last-child {\r\n grid-template-columns: 1fr;\r\n }\r\n\r\n .video-card {\r\n max-width: 100%;\r\n }\r\n\r\n .feature-card {\r\n padding: 1.5rem;\r\n }\r\n\r\n .feature-card i {\r\n font-size: 2.5rem;\r\n }\r\n\r\n .feature-card h3 {\r\n font-size: 1.2rem;\r\n }\r\n\r\n .feature-card p {\r\n font-size: 0.9rem;\r\n }\r\n\r\n .feature-card img {\r\n max-width: 150px;\r\n }\r\n\r\n .download-btn {\r\n padding: 0.8rem 1.5rem;\r\n font-size: 0.9rem;\r\n }\r\n\r\n .modal-content {\r\n width: 95%;\r\n padding: 1rem;\r\n margin: 1rem auto;\r\n max-height: 95vh;\r\n }\r\n\r\n .story-section {\r\n padding: 1rem;\r\n gap: 1rem;\r\n max-width: 100%;\r\n box-sizing: border-box;\r\n }\r\n\r\n .story-text, .challenge {\r\n padding: 1rem;\r\n }\r\n\r\n .story-text h3, .challenge h4 {\r\n font-size: 1.3rem;\r\n }\r\n\r\n .story-text p, .challenge p, .challenge li {\r\n font-size: 1rem;\r\n word-wrap: break-word;\r\n overflow-wrap: break-word;\r\n }\r\n\r\n .puzzle-input {\r\n max-width: 100%;\r\n min-width: 200px;\r\n font-size: 1rem;\r\n padding: 0.8rem;\r\n }\r\n \r\n .puzzle-input option {\r\n font-size: 0.9rem;\r\n padding: 0.3rem;\r\n line-height: 1.3;\r\n max-width: 100%;\r\n word-wrap: break-word;\r\n white-space: normal;\r\n text-align: left;\r\n }\r\n\r\n .puzzle-options {\r\n gap: 0.8rem;\r\n margin: 0.8rem 0;\r\n }\r\n\r\n .puzzle-option-btn {\r\n padding: 0.8rem 1.2rem;\r\n font-size: 0.9rem;\r\n line-height: 1.3;\r\n }\r\n \r\n .selected-answer {\r\n font-size: 0.9rem;\r\n padding: 0.8rem;\r\n margin: 0.8rem 0;\r\n }\r\n }\r\n\r\n .quiz-section, .escape-room {\r\n background: rgba(255,255,255,0.95);\r\n padding: 2rem;\r\n border-radius: 15px;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n text-align: center;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 1.5rem;\r\n align-items: center;\r\n margin: 4rem 0;\r\n }\r\n\r\n .quiz-section h2, .escape-room h2 {\r\n color: var(--black);\r\n margin-bottom: 1rem;\r\n font-size: 1.8rem;\r\n }\r\n\r\n .quiz-section p, .escape-room p {\r\n color: var(--black);\r\n margin-bottom: 1.5rem;\r\n font-size: 1.1rem;\r\n }\r\n\r\n .progress-indicator {\r\n position: fixed;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 4px;\r\n background: var(--white);\r\n z-index: 1000;\r\n }\r\n\r\n .progress-bar {\r\n height: 100%;\r\n background: linear-gradient(90deg, var(--yellow), var(--pink));\r\n width: 0%;\r\n transition: width 0.3s ease;\r\n }\r\n\r\n .feature-card {\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .feature-card::after {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: linear-gradient(45deg, rgba(255,255,255,0.1), transparent);\r\n opacity: 0;\r\n transition: opacity 0.3s ease;\r\n }\r\n\r\n .feature-card:hover::after {\r\n opacity: 1;\r\n }\r\n\r\n .feature-card .content {\r\n position: relative;\r\n z-index: 1;\r\n }\r\n\r\n .feature-card img {\r\n transition: transform 0.5s ease;\r\n }\r\n\r\n .feature-card:hover img {\r\n transform: scale(1.05);\r\n }\r\n\r\n .interactive-tooltip {\r\n position: absolute;\r\n background: var(--white);\r\n padding: 0.5rem 1rem;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n font-size: 0.9rem;\r\n opacity: 0;\r\n transform: translateY(10px);\r\n transition: all 0.3s ease;\r\n pointer-events: none;\r\n }\r\n\r\n .feature-card:hover .interactive-tooltip {\r\n opacity: 1;\r\n transform: translateY(0);\r\n }\r\n\r\n .achievement-badge {\r\n position: absolute;\r\n top: 1rem;\r\n right: 1rem;\r\n background: var(--yellow);\r\n color: var(--black);\r\n padding: 0.5rem;\r\n border-radius: 50%;\r\n width: 40px;\r\n height: 40px;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n font-size: 1.2rem;\r\n box-shadow: 0 2px 5px rgba(0,0,0,0.1);\r\n }\r\n\r\n .feature-card:hover .achievement-badge {\r\n transform: rotate(360deg);\r\n transition: transform 0.5s ease;\r\n }\r\n\r\n .interactive-button {\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .interactive-button::before {\r\n content: '';\r\n position: absolute;\r\n top: 50%;\r\n left: 50%;\r\n width: 0;\r\n height: 0;\r\n background: rgba(255,255,255,0.2);\r\n border-radius: 50%;\r\n transform: translate(-50%, -50%);\r\n transition: width 0.6s ease, height 0.6s ease;\r\n }\r\n\r\n .interactive-button:hover::before {\r\n width: 300px;\r\n height: 300px;\r\n }\r\n\r\n .feature-card .content {\r\n position: relative;\r\n z-index: 2;\r\n }\r\n\r\n .feature-card .content::before {\r\n content: '';\r\n position: absolute;\r\n top: -10px;\r\n left: -10px;\r\n right: -10px;\r\n bottom: -10px;\r\n border: 2px solid transparent;\r\n border-radius: 15px;\r\n transition: border-color 0.3s ease;\r\n }\r\n\r\n .feature-card:hover .content::before {\r\n border-color: var(--pink);\r\n }\r\n\r\n .tools-section {\r\n display: grid;\r\n grid-template-columns: repeat(2, 1fr);\r\n gap: 3rem;\r\n width: 100%;\r\n margin: 4rem 0;\r\n }\r\n\r\n .tool-card {\r\n background: rgba(255,255,255,0.95);\r\n border-radius: 15px;\r\n padding: 2rem;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n transition: all 0.3s ease;\r\n }\r\n\r\n .tool-card:hover {\r\n transform: translateY(-5px);\r\n box-shadow: 0 8px 25px rgba(0,0,0,0.15);\r\n }\r\n\r\n .notes-container {\r\n display: flex;\r\n flex-direction: column;\r\n gap: 1.5rem;\r\n margin-top: 1.5rem;\r\n }\r\n\r\n .notes-input {\r\n width: 100%;\r\n min-height: 200px;\r\n padding: 1rem;\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n font-size: 1.1rem;\r\n resize: vertical;\r\n margin-bottom: 1rem;\r\n }\r\n\r\n .notes-actions {\r\n display: flex;\r\n gap: 1rem;\r\n justify-content: flex-end;\r\n }\r\n\r\n .notes-btn {\r\n padding: 0.8rem 1.5rem;\r\n border: none;\r\n border-radius: 8px;\r\n background: var(--blue);\r\n color: var(--white);\r\n font-size: 1rem;\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n display: flex;\r\n align-items: center;\r\n gap: 0.5rem;\r\n }\r\n\r\n .notes-btn:hover {\r\n background: var(--pink);\r\n transform: translateY(-2px);\r\n }\r\n\r\n .notes-list {\r\n margin-top: 1rem;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 0.5rem;\r\n }\r\n\r\n .note-item {\r\n background: rgba(255,255,255,0.8);\r\n padding: 1rem;\r\n border-radius: 8px;\r\n border: 1px solid var(--yellow);\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n }\r\n\r\n .note-item:hover {\r\n background: rgba(255,255,255,0.95);\r\n }\r\n\r\n .note-date {\r\n font-size: 0.9rem;\r\n color: var(--black);\r\n opacity: 0.7;\r\n }\r\n\r\n .timeline {\r\n position: relative;\r\n padding: 3rem 0;\r\n }\r\n\r\n .timeline::before {\r\n content: '';\r\n position: absolute;\r\n left: 50%;\r\n transform: translateX(-50%);\r\n width: 2px;\r\n height: 100%;\r\n background: var(--yellow);\r\n }\r\n\r\n .timeline-item {\r\n position: relative;\r\n margin-bottom: 3rem;\r\n width: 50%;\r\n padding-right: 2rem;\r\n }\r\n\r\n .timeline-item:nth-child(even) {\r\n margin-left: 50%;\r\n padding-right: 0;\r\n padding-left: 2rem;\r\n }\r\n\r\n .timeline-content {\r\n background: var(--white);\r\n padding: 1rem;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n }\r\n\r\n .timeline-item::before {\r\n content: '';\r\n position: absolute;\r\n right: -6px;\r\n top: 50%;\r\n transform: translateY(-50%);\r\n width: 12px;\r\n height: 12px;\r\n background: var(--pink);\r\n border-radius: 50%;\r\n }\r\n\r\n .timeline-item:nth-child(even)::before {\r\n right: auto;\r\n left: -6px;\r\n }\r\n\r\n .achievements-grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));\r\n gap: 1rem;\r\n margin-top: 1rem;\r\n }\r\n\r\n .achievement-item {\r\n background: var(--white);\r\n padding: 1rem;\r\n border-radius: 8px;\r\n text-align: center;\r\n transition: all 0.3s ease;\r\n }\r\n\r\n .achievement-item.locked {\r\n opacity: 0.5;\r\n }\r\n\r\n .achievement-item i {\r\n font-size: 2rem;\r\n color: var(--pink);\r\n margin-bottom: 0.5rem;\r\n }\r\n\r\n .achievement-item.unlocked i {\r\n color: var(--yellow);\r\n }\r\n\r\n .story-section {\r\n margin-bottom: 4rem;\r\n padding: 2rem;\r\n background: white;\r\n border-radius: 10px;\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.05);\r\n width: 100%;\r\n box-sizing: border-box;\r\n display: grid;\r\n grid-template-columns: 1fr;\r\n gap: 3rem;\r\n }\r\n\r\n .story-text {\r\n background: rgba(255,255,255,0.9);\r\n padding: 2rem;\r\n border-radius: 8px;\r\n box-shadow: 0 2px 5px rgba(0,0,0,0.05);\r\n text-align: left;\r\n }\r\n\r\n .story-text h3 {\r\n color: var(--pink);\r\n margin-bottom: 1.5rem;\r\n font-size: 1.8rem;\r\n text-align: center;\r\n }\r\n\r\n .story-text p {\r\n margin-bottom: 1.5rem;\r\n font-size: 1.2rem;\r\n color: var(--black);\r\n line-height: 1.8;\r\n }\r\n\r\n .challenge {\r\n background: rgba(255,255,255,0.9);\r\n padding: 2rem;\r\n border-radius: 10px;\r\n border: 2px solid var(--yellow);\r\n display: flex;\r\n flex-direction: column;\r\n gap: 1.5rem;\r\n max-width: 100%;\r\n box-sizing: border-box;\r\n }\r\n\r\n .challenge h4 {\r\n color: var(--black);\r\n margin-bottom: 1.5rem;\r\n font-size: 1.6rem;\r\n text-align: center;\r\n }\r\n\r\n .challenge p {\r\n margin-bottom: 1.5rem;\r\n text-align: left;\r\n font-size: 1.2rem;\r\n line-height: 1.8;\r\n word-wrap: break-word;\r\n overflow-wrap: break-word;\r\n max-width: 100%;\r\n }\r\n\r\n .challenge ul {\r\n list-style-type: none;\r\n margin: 1.5rem 0;\r\n padding: 1.5rem;\r\n text-align: left;\r\n background: rgba(255,255,255,0.8);\r\n border-radius: 8px;\r\n }\r\n\r\n .challenge li {\r\n margin: 1.2rem 0;\r\n padding-left: 2rem;\r\n position: relative;\r\n font-size: 1.2rem;\r\n line-height: 1.8;\r\n word-wrap: break-word;\r\n overflow-wrap: break-word;\r\n }\r\n\r\n .challenge li:before {\r\n content: \"\u2022\";\r\n color: var(--pink);\r\n position: absolute;\r\n left: 0;\r\n font-size: 1.4rem;\r\n }\r\n\r\n .puzzle-input {\r\n width: 100%;\r\n max-width: 500px;\r\n min-width: 250px;\r\n padding: 1rem;\r\n margin: 1rem auto;\r\n border: 2px solid var(--yellow);\r\n border-radius: 8px;\r\n font-size: 1.1rem;\r\n transition: all 0.3s ease;\r\n display: block;\r\n text-align: center;\r\n box-sizing: border-box;\r\n word-wrap: break-word;\r\n overflow-wrap: break-word;\r\n }\r\n\r\n .encouragement-message {\r\n margin-top: 1rem;\r\n padding: 1.5rem;\r\n background: rgba(92,225,230,0.1);\r\n border-radius: 8px;\r\n animation: fadeIn 0.5s ease;\r\n width: 100%;\r\n max-width: 500px;\r\n margin: 1rem auto;\r\n }\r\n\r\n .encouragement-content {\r\n display: flex;\r\n align-items: center;\r\n gap: 1rem;\r\n text-align: left;\r\n }\r\n\r\n .encouragement-content i {\r\n color: var(--yellow);\r\n font-size: 1.8rem;\r\n flex-shrink: 0;\r\n }\r\n\r\n .encouragement-content p {\r\n font-size: 1.2rem;\r\n line-height: 1.6;\r\n margin: 0;\r\n }\r\n\r\n @keyframes fadeIn {\r\n from { opacity: 0; transform: translateY(10px); }\r\n to { opacity: 1; transform: translateY(0); }\r\n }\r\n\r\n .feature-image {\r\n width: 100%;\r\n height: 150px;\r\n display: flex;\r\n flex-direction: column;\r\n align-items: center;\r\n justify-content: center;\r\n background: rgba(255,255,255,0.8);\r\n border-radius: 10px;\r\n margin: 1rem 0;\r\n gap: 0.5rem;\r\n }\r\n\r\n .feature-image i {\r\n color: var(--pink);\r\n font-size: 3rem;\r\n }\r\n\r\n .icon-label {\r\n color: var(--black);\r\n font-size: 0.9rem;\r\n text-align: center;\r\n margin-top: 0.5rem;\r\n font-weight: 500;\r\n }\r\n\r\n \/* Adicionando estilos para o flipbook *\/\r\n .flipbook-container {\r\n position: fixed;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: rgba(0,0,0,0.9);\r\n z-index: 1000;\r\n display: none;\r\n justify-content: center;\r\n align-items: center;\r\n padding: 20px;\r\n }\r\n\r\n .flipbook-viewer {\r\n width: 95%;\r\n height: 95%;\r\n background: white;\r\n border-radius: 10px;\r\n padding: 20px;\r\n position: relative;\r\n overflow: hidden;\r\n display: flex;\r\n flex-direction: column;\r\n box-shadow: 0 4px 20px rgba(0,0,0,0.2);\r\n }\r\n\r\n #pdfViewer {\r\n width: 100%;\r\n height: 100%;\r\n border: none;\r\n background: white;\r\n }\r\n\r\n .flipbook-button {\r\n padding: 10px 20px;\r\n border: none;\r\n border-radius: 5px;\r\n background: var(--blue);\r\n color: white;\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n z-index: 1001;\r\n }\r\n\r\n .flipbook-button:hover {\r\n background: var(--pink);\r\n transform: translateY(-2px);\r\n }\r\n\r\n .flipbook-pages {\r\n flex: 1;\r\n display: flex;\r\n justify-content: center;\r\n align-items: center;\r\n gap: 20px;\r\n margin: 20px 0;\r\n overflow: auto;\r\n }\r\n\r\n .flipbook-page {\r\n box-shadow: 0 4px 8px rgba(0,0,0,0.1);\r\n border-radius: 5px;\r\n background: white;\r\n }\r\n\r\n .flipbook-page canvas {\r\n border-radius: 5px;\r\n }\r\n\r\n .page-number {\r\n text-align: center;\r\n color: white;\r\n margin-top: 10px;\r\n font-size: 1.2rem;\r\n }\r\n\r\n .loading-overlay {\r\n position: absolute;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: rgba(0,0,0,0.8);\r\n display: flex;\r\n justify-content: center;\r\n align-items: center;\r\n color: white;\r\n font-size: 1.2rem;\r\n }\r\n\r\n .video-container, .infographic-container {\r\n position: fixed;\r\n top: 0;\r\n left: 0;\r\n width: 100%;\r\n height: 100%;\r\n background: rgba(0,0,0,0.9);\r\n z-index: 1000;\r\n display: none;\r\n justify-content: center;\r\n align-items: center;\r\n padding: 20px;\r\n }\r\n\r\n .video-viewer, .infographic-viewer {\r\n width: 95%;\r\n height: 95%;\r\n background: white;\r\n border-radius: 10px;\r\n padding: 20px;\r\n position: relative;\r\n overflow: hidden;\r\n display: flex;\r\n flex-direction: column;\r\n box-shadow: 0 4px 20px rgba(0,0,0,0.2);\r\n }\r\n\r\n #videoFrame {\r\n width: 100%;\r\n height: 100%;\r\n border: none;\r\n background: white;\r\n }\r\n\r\n #infographicImage {\r\n max-width: 100%;\r\n height: auto;\r\n display: block;\r\n margin: 0 auto;\r\n }\r\n\r\n .learning-contents-section {\r\n width: 100%;\r\n margin-bottom: 3rem;\r\n background: rgba(255,255,255,0.95);\r\n border-radius: 15px;\r\n padding: 2rem;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n }\r\n\r\n .learning-contents-card {\r\n max-width: 800px;\r\n margin: 0 auto;\r\n text-align: center;\r\n display: flex;\r\n flex-direction: column;\r\n gap: 1.5rem;\r\n }\r\n\r\n .learning-contents-image {\r\n position: relative;\r\n width: 100%;\r\n max-width: 300px;\r\n margin: 0 auto;\r\n border-radius: 15px;\r\n overflow: hidden;\r\n box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n transition: transform 0.3s ease;\r\n display: flex;\r\n justify-content: center;\r\n align-items: center;\r\n }\r\n\r\n .learning-contents-image img {\r\n width: auto;\r\n max-width: 100%;\r\n height: auto;\r\n display: block;\r\n border-radius: 15px;\r\n margin: 0 auto;\r\n }\r\n\r\n .learning-contents-description {\r\n text-align: center;\r\n padding: 1rem;\r\n color: var(--black);\r\n font-size: 1.1rem;\r\n line-height: 1.6;\r\n max-width: 600px;\r\n margin: 0 auto;\r\n }\r\n\r\n .learning-contents-button {\r\n padding: 1rem 2rem;\r\n border: none;\r\n border-radius: 25px;\r\n background: var(--blue);\r\n color: var(--white);\r\n cursor: pointer;\r\n transition: all 0.3s ease;\r\n display: inline-flex;\r\n align-items: center;\r\n gap: 0.5rem;\r\n margin-top: 1rem;\r\n text-decoration: none;\r\n width: auto;\r\n min-width: 200px;\r\n justify-content: center;\r\n pointer-events: auto;\r\n position: relative;\r\n z-index: 10;\r\n }\r\n\r\n .learning-contents-button:hover {\r\n background: var(--pink);\r\n transform: translateY(-2px);\r\n }\r\n <\/style>\r\n <!-- Adicionar scripts necess\u00e1rios -->\r\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/pdf.js\/2.11.338\/pdf.min.js\"><\/script>\r\n <script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\r\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/turn.js\/4.1.0\/turn.min.js\"><\/script>\r\n<\/head>\r\n<body>\r\n <div class=\"progress-indicator\">\r\n <div class=\"progress-bar\" id=\"pageProgress\"><\/div>\r\n <\/div>\r\n\r\n\r\n <!-- Container do V\u00eddeo -->\r\n <div class=\"video-section\">\r\n <div class=\"video-card\">\r\n <div class=\"content\">\r\n <i class=\"fas fa-video\"><\/i>\r\n <h3>Recurso de v\u00eddeo<\/h3>\r\n <p>Bienvenido al m\u00f3dulo \u00abGesti\u00f3n de la deuda y el riesgo\u00bb, en el que adquirir\u00e1s las habilidades necesarias para identificar los riesgos financieros y gestionar la deuda empresarial de forma responsable para crear resiliencia a largo plazo.<\/p>\r\n <div class=\"video-player-container\">\r\n <video id=\"mainVideo\" controls>\r\n <source src=\"https:\/\/excel-erasmus.eu\/Videos\/ES\/EXCEL_WP2_A2.3_M4_Video_ES.mp4\" type=\"video\/mp4\">\r\n Su navegador no soporta el elemento de v\u00eddeo.\r\n <\/video>\r\n <\/div>\r\n <div class=\"video-controls\">\r\n <button onclick=\"document.getElementById('mainVideo').play()\">\r\n <i class=\"fas fa-play\"><\/i> Reproducir\r\n <\/button>\r\n <button onclick=\"document.getElementById('mainVideo').pause()\">\r\n <i class=\"fas fa-pause\"><\/i> Pause\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Container dos Recursos -->\r\n <div class=\"resources-section\">\r\n <div class=\"features-grid\">\r\n <div class=\"feature-card\">\r\n <div class=\"content\">\r\n <i class=\"fas fa-book\"><\/i>\r\n <h3>Contenidos, actividades y recursos de aprendizaje<\/h3>\r\n <p>Comience por consultar este completo PDF que le ayudar\u00e1 a familiarizarse y ampliar su comprensi\u00f3n del m\u00f3dulo y a aplicar los conocimientos obtenidos<\/p>\r\n <div class=\"learning-contents-section\">\r\n <div class=\"learning-contents-card\">\r\n <div class=\"content\">\r\n <div class=\"learning-contents-image\">\r\n <a href=\"https:\/\/excel-erasmus.eu\/Flipbooks\/M4_Debt and risk management_ES\/index.html\" target=\"_blank\" rel=\"noopener\">\r\n <img decoding=\"async\" src=\"https:\/\/excel-erasmus.eu\/wp-content\/uploads\/2025\/10\/EXCEL_WP2_M4-flipbook_ES.png\" alt=\"Learning Contents and Resources\" style=\"width: 100%; height: auto;\">\r\n <\/a>\r\n <\/div>\r\n <a href=\"https:\/\/excel-erasmus.eu\/Flipbooks\/M4_Debt and risk management_ES\/index.html\" class=\"learning-contents-button\" target=\"_blank\" rel=\"noopener\">\r\n Acceda a los materiales de aprendizaje\r\n <\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"feature-card\">\r\n <div class=\"content\">\r\n <i class=\"fas fa-chart-bar\"><\/i>\r\n <h3>Infograf\u00eda pr\u00e1ctica<\/h3>\r\n <p>Act\u00fae para tomar decisiones presupuestarias\/financieras responsables que apoyen su viaje empresarial<\/p>\r\n <div class=\"learning-contents-section\">\r\n <div class=\"learning-contents-card\">\r\n <div class=\"content\">\r\n <div class=\"learning-contents-image\">\r\n <a href=\"https:\/\/excel-erasmus.eu\/wp-content\/uploads\/2025\/10\/EXCEL_WP2_A2.3_M4_INFOGRAPHIC_ES.pdf\" target=\"_blank\" rel=\"noopener\">\r\n <img decoding=\"async\" src=\"https:\/\/excel-erasmus.eu\/wp-content\/uploads\/2025\/10\/EXCEL_WP2_M4-Infographic_ES-e1761849472214.png\" alt=\"Hands-on Infographic\" style=\"width: 100%; height: auto;\">\r\n <\/a>\r\n <\/div>\r\n <a href=\"https:\/\/excel-erasmus.eu\/wp-content\/uploads\/2025\/10\/EXCEL_WP2_A2.3_M4_INFOGRAPHIC_ES.pdf\" class=\"learning-contents-button\" target=\"_blank\" rel=\"noopener\">\r\n Vea la infograf\u00eda\r\n <\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- Container para o flipbook -->\r\n <div class=\"flipbook-container\" id=\"flipbookContainer\">\r\n <div class=\"flipbook-viewer\" id=\"flipbookViewer\">\r\n <iframe id=\"pdfFrame\" style=\"width: 100%; height: 100%; border: none;\"><\/iframe>\r\n <\/div>\r\n <button class=\"flipbook-button\" onclick=\"closeFlipbook()\" style=\"position: absolute; top: 20px; right: 20px;\">Cerrar<\/button>\r\n <\/div>\r\n\r\n <!-- Modal para V\u00eddeo -->\r\n <div class=\"video-container\" id=\"videoContainer\">\r\n <div class=\"video-viewer\" id=\"videoViewer\">\r\n <iframe id=\"videoFrame\" style=\"width: 100%; height: 100%; border: none;\"><\/iframe>\r\n <\/div>\r\n <button class=\"flipbook-button\" onclick=\"closeVideo()\" style=\"position: absolute; top: 20px; right: 20px;\">Cerrar<\/button>\r\n <\/div>\r\n\r\n <!-- Modal para Infogr\u00e1fico -->\r\n <div class=\"infographic-container\" id=\"infographicContainer\">\r\n <div class=\"infographic-viewer\" id=\"infographicViewer\">\r\n <img id=\"infographicImage\" style=\"max-width: 100%; height: auto;\">\r\n <\/div>\r\n <button class=\"flipbook-button\" onclick=\"closeInfographic()\" style=\"position: absolute; top: 20px; right: 20px;\">Cerrar<\/button>\r\n <\/div>\r\n\r\n <!-- Escape Room Section -->\r\n <div id=\"escapeRoomModal\" class=\"modal\">\r\n <div class=\"modal-content\">\r\n <span class=\"close-modal\" onclick=\"closeEscapeRoom()\">×<\/span>\r\n <h2>Desglose presupuestario: escape de la trampa de la deuda<\/h2>\r\n <div class=\"progress-bar\">\r\n <div class=\"progress\" id=\"escapeProgress\"><\/div>\r\n <\/div>\r\n <div id=\"escapeContent\">\r\n <div class=\"story-section\">\r\n <div class=\"story-text\">\r\n <p>Eres un nuevo emprendedor que est\u00e1 dirigiendo su primer negocio. Una ca\u00edda repentina de los ingresos ha puesto presi\u00f3n sobre tus finanzas. Necesitas tomar las decisiones correctas para proteger tu negocio, renegociar con los acreedores y planificar tu pr\u00f3ximo paso. Resuelve cada desaf\u00edo para avanzar y recuperar el control.<\/p>\r\n <\/div>\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 1: Conoce las cifras<\/h4>\r\n <p>Pregunta: \u00bfQu\u00e9 ratio te ayuda a medir tu capacidad para pagar obligaciones a corto plazo?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle1Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(1, 1, this)\">Ratio de liquidez<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(1, 2, this)\">Margen de beneficio neto<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(1, 3, this)\">Cobertura de intereses<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(1)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 2: Identifica el riesgo<\/h4>\r\n <p>Pregunta: \u00bfCu\u00e1l es un ejemplo de riesgo financiero externo?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle2Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(2, 1, this)\">Contabilidad incompleta<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(2, 2, this)\">Seguimiento deficiente del inventario<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(2, 3, this)\">Retrasos de los proveedores<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(2)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 3: Elige sabiamente<\/h4>\r\n <p>Pregunta: \u00bfCu\u00e1l es una forma de alto riesgo para cubrir un d\u00e9ficit de efectivo?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle3Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(3, 1, this)\">Usar una tarjeta de cr\u00e9dito<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(3, 2, this)\">Renegociar las condiciones de pago<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(3, 3, this)\">Solicitar un peque\u00f1o pr\u00e9stamo a corto plazo<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(3)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 4: \u00bfReestructurar o incumplir?<\/h4>\r\n <p>Pregunta: \u00bfQu\u00e9 debes hacer si sabes que no podr\u00e1s realizar un pago?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle4Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(4, 1, this)\">Esperar hasta que me respondan<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(4, 2, this)\">Ponerme en contacto con mi prestamista con antelaci\u00f3n<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(4, 3, this)\">Ignorar la situaci\u00f3n<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(4)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 5: Interpretaci\u00f3n de los datos<\/h4>\r\n <p>Pregunta: Tienes un ratio deuda\/capital de 2,33. \u00bfQu\u00e9 significa \u00e9sto?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle5Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(5, 1, this)\">Alta dependencia de la deuda<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(5, 2, this)\">No tengo deudas<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(5, 3, this)\">Fuerte liquidez<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(5)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 6: Mapeo de riesgos<\/h4>\r\n <p>Pregunta: En una matriz de riesgos, \u00bfqu\u00e9 dos elementos se eval\u00faan?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle6Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(6, 1, this)\">Ingresos y gastos<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(6, 2, this)\">Probabilidad e impacto<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(6, 3, this)\">Coste y beneficio<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(6)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 7: Elige la herramienta adecuada<\/h4>\r\n <p>Pregunta: \u00bfCu\u00e1l es la ventaja de alquilar equipos?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle7Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(7, 1, this)\">No es necesario realizar una compra por adelantado<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(7, 2, this)\">Mejora la propiedad<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(7, 3, this)\">Elimina todo riesgo financiero<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(7)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"story-section\" style=\"display: none;\">\r\n <div class=\"challenge\">\r\n <h4>DESAF\u00cdO 8: Planifica con antelaci\u00f3n<\/h4>\r\n <p>Pregunta: \u00bfCu\u00e1l es el prop\u00f3sito de un plan de contingencia?<\/p>\r\n <div class=\"puzzle-options\" id=\"puzzle8Options\">\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(8, 1, this)\">Evitar el seguimiento de los gastos<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(8, 2, this)\">Aumentar el gasto en marketing<\/button>\r\n <button class=\"puzzle-option-btn\" onclick=\"selectPuzzleOption(8, 3, this)\">Responder a retos inesperados<\/button>\r\n <\/div>\r\n <button class=\"download-btn\" onclick=\"checkPuzzle(8)\">Compruebe la respuesta<\/button>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"escape-room\">\r\n <h2>Escape Room<\/h2>\r\n <p>Desaf\u00edese a s\u00ed mismo y a su comprensi\u00f3n con nuestro escape room digital reflexionando sobre sus conocimientos y experiencia previos del m\u00f3dulo<\/p>\r\n <button class=\"download-btn\" onclick=\"enterEscapeRoom()\">\r\n <i class=\"fas fa-door-open\"><\/i> Entre en Escape Room\r\n <\/button>\r\n <\/div>\r\n\r\n <div class=\"quiz-section\">\r\n <h2>Ponga a prueba sus conocimientos<\/h2>\r\n <button class=\"download-btn\" onclick=\"startQuiz()\">\r\n <i class=\"fas fa-play\"><\/i> Empiece el cuestionario\r\n <\/button>\r\n <\/div>\r\n\r\n <!-- Quiz Section -->\r\n <div id=\"quizModal\" class=\"modal\">\r\n <div class=\"modal-content\">\r\n <span class=\"close-modal\" onclick=\"closeQuiz()\">×<\/span>\r\n <h2>Cuestionario de gesti\u00f3n de la deuda y el riesgo<\/h2>\r\n <div class=\"progress-bar\">\r\n <div class=\"progress\" id=\"quizProgress\"><\/div>\r\n <\/div>\r\n <div id=\"quizContent\">\r\n <div class=\"quiz-question\">\r\n <h3>Pregunta 1: \u00bfQu\u00e9 opci\u00f3n implica pagos regulares con intereses?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(1, 1)\">Financiaci\u00f3n mediante deuda<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(1, 2)\">Financiaci\u00f3n mediante capital<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(1, 3)\">Subvenci\u00f3n<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(1, 4)\">Recompensas por crowdfunding<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"quiz-question\" style=\"display: none;\">\r\n <h3>Pregunta 2: \u00bfQu\u00e9 es el riesgo de liquidez?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(2, 1)\">Aumento de los tipos de inter\u00e9s<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(2, 2)\">Los precios cambian r\u00e1pidamente<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(2, 3)\">No puedo hacer frente a los pagos a corto plazo<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(2, 4)\">Cliente que no paga<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"quiz-question\" style=\"display: none;\">\r\n <h3>Pregunta 3: \u00bfPor qu\u00e9 utilizar un plan de contingencia?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(3, 1)\">Para responder a problemas financieros inesperados<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(3, 2)\">Para aumentar los impuestos<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(3, 3)\">Para contratar m\u00e1s empleados<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(3, 4)\">Para aumentar los precios de los productos<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"quiz-question\" style=\"display: none;\">\r\n <h3>Pregunta 4: \u00bfQu\u00e9 indica el ratio actual?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(4, 1)\">Rendimiento de los empleados<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(4, 2)\">Capacidad para pagar deudas a corto plazo<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(4, 3)\">Rentabilidad del marketing<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(4, 4)\">Reputaci\u00f3n empresarial<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"quiz-question\" style=\"display: none;\">\r\n <h3>Pregunta 5: \u00bfQu\u00e9 debes hacer si prevees problemas de liquidez?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(5, 1)\">Pedir prestado m\u00e1s inmediatamente<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(5, 2)\">Evitar revisar las finanzas<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(5, 3)\">Retrasar todos los pagos<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(5, 4)\">Hablar con los prestamistas con antelaci\u00f3n<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"quiz-question\" style=\"display: none;\">\r\n <h3>Pregunta 6: \u00bfC\u00f3mo puedes apoyar la concienciaci\u00f3n del equipo sobre la deuda?<\/h3>\r\n <div class=\"quiz-options\">\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(6, 1)\">Compartiendo herramientas financieras y formaci\u00f3n<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(6, 2)\">Manteniendo toda la informaci\u00f3n sobre deudas en secreto<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(6, 3)\">Dejando que solo los gerentes planifiquen el flujo de caja<\/div>\r\n <div class=\"quiz-option\" onclick=\"checkAnswer(6, 4)\">Evitando hablar de dinero<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tools-section\">\r\n <div class=\"tool-card\">\r\n <h3><i class=\"fas fa-sticky-note\"><\/i> Notas personales<\/h3>\r\n <p>Tome notas durante su viaje de aprendizaje<\/p>\r\n <div class=\"notes-container\">\r\n <textarea class=\"notes-input\" id=\"notesInput\" placeholder=\"Write your notes here...\"><\/textarea>\r\n <div class=\"notes-actions\">\r\n <button class=\"notes-btn\" onclick=\"saveNote()\">\r\n <i class=\"fas fa-save\"><\/i> Guardar notas\r\n <\/button>\r\n <button class=\"notes-btn\" onclick=\"downloadNotes()\">\r\n <i class=\"fas fa-download\"><\/i> Descargar notas\r\n <\/button>\r\n <\/div>\r\n <div class=\"notes-list\" id=\"notesList\"><\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"tool-card\">\r\n <h3><i class=\"fas fa-road\"><\/i> Continue su viaje de aprendizaje<\/h3>\r\n <p>\u00bfQu\u00e9 sigue en su viaje? Ir y seleccionar un nuevo m\u00f3dulo<\/p>\r\n <div class=\"timeline\">\r\n <div class=\"timeline-item\">\r\n <div class=\"timeline-content\"> \r\n <p><a href=\"https:\/\/excel-erasmus.eu\/es\/presupuestacion-y-planificacion-financiera\/\" target=\"_blank\" rel=\"noopener\">Presupuestaci\u00f3n y planificaci\u00f3n financiera<\/a><\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"timeline-item\">\r\n <div class=\"timeline-content\">\r\n <p><a href=\"https:\/\/excel-erasmus.eu\/es\/entender-los-estados-financieros\/\" target=\"_blank\" rel=\"noopener\">Comprensi\u00f3n de los estados financieros<\/a><\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"timeline-item\">\r\n <div class=\"timeline-content\">\r\n <p><a href=\"https:\/\/excel-erasmus.eu\/es\/conocimientos-sobre-inversiones\/\" target=\"_blank\" rel=\"noopener\">Conocimientos de inversi\u00f3n<\/a><\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"timeline-item\">\r\n <div class=\"timeline-content\">\r\n <p><a href=\"https:\/\/excel-erasmus.eu\/es\/gestion-de-la-deuda-y-el-riesgo\/\" target=\"_blank\" rel=\"noopener\">Gesti\u00f3n de la deuda y el riesgo<\/a><\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"timeline-item\">\r\n <div class=\"timeline-content\">\r\n <p><a href=\"https:\/\/excel-erasmus.eu\/es\/finanzas-sostenibles-para-decisiones-financieras-estrategicas\/\" target=\"_blank\" rel=\"noopener\">Finanzas sostenibles para decisiones financieras estrat\u00e9gicas<\/a><\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <script>\r\n let currentQuestion = 1;\r\n let score = 0;\r\n let currentPuzzle = 1;\r\n let escapeProgress = 0;\r\n const totalQuestions = 6;\r\n const totalPuzzles = 8;\r\n let selectedAnswers = {}; \/\/ Para armazenar as respostas selecionadas\r\n\r\n function startQuiz() {\r\n document.getElementById('quizModal').style.display = 'flex';\r\n showQuestion(1);\r\n updateQuizProgress();\r\n }\r\n\r\n function showQuestion(number) {\r\n document.querySelectorAll('.quiz-question').forEach(q => q.style.display = 'none');\r\n document.querySelector(`.quiz-question:nth-child(${number})`).style.display = 'block';\r\n }\r\n\r\n function checkAnswer(question, answer) {\r\n const options = document.querySelectorAll(`.quiz-question:nth-child(${question}) .quiz-option`);\r\n options.forEach(option => option.style.pointerEvents = 'none');\r\n\r\n const correctAnswers = {\r\n 1: 1, \/\/ deuda\r\n 2: 3, \/\/ liquidez\r\n 3: 1, \/\/ contingencia\r\n 4: 2, \/\/ ratio actual\r\n 5: 4, \/\/ hablar con prestamistas\r\n 6: 1 \/\/ herramientas y formaci\u00f3n\r\n };\r\n\r\n if (answer === correctAnswers[question]) {\r\n score++;\r\n options[answer - 1].classList.add('correct');\r\n } else {\r\n options[answer - 1].classList.add('incorrect');\r\n \/\/ Highlight the correct answer in green when answer is wrong\r\n options[correctAnswers[question] - 1].classList.add('correct');\r\n }\r\n\r\n setTimeout(() => {\r\n \/\/ Always advance to next question regardless of answer\r\n if (currentQuestion < totalQuestions) {\r\n currentQuestion++;\r\n showQuestion(currentQuestion);\r\n options.forEach(option => {\r\n option.classList.remove('correct', 'incorrect');\r\n option.style.pointerEvents = 'auto';\r\n });\r\n } else {\r\n showQuizResults();\r\n }\r\n updateQuizProgress();\r\n }, 1500);\r\n }\r\n\r\n function updateQuizProgress() {\r\n const progress = ((currentQuestion - 1) \/ totalQuestions) * 100;\r\n document.getElementById('quizProgress').style.width = `${progress}%`;\r\n }\r\n\r\n function showQuizResults() {\r\n const quizContent = document.getElementById('quizContent');\r\n quizContent.innerHTML = `\r\n <h3>\u00a1Cuestionario completado!<\/h3>\r\n <p>Tu puntuaci\u00f3n: ${score}\/${totalQuestions}<\/p>\r\n <button class=\\\"download-btn\\\" onclick=\\\"closeQuiz()\\\">Cerrar cuestionario<\/button>\r\n `;\r\n }\r\n\r\n function enterEscapeRoom() {\r\n document.getElementById('escapeRoomModal').style.display = 'flex';\r\n showPuzzle(1);\r\n updateEscapeProgress();\r\n }\r\n\r\n function showPuzzle(number) {\r\n document.querySelectorAll('.story-section').forEach(section => section.style.display = 'none');\r\n document.querySelector(`.story-section:nth-child(${number})`).style.display = 'block';\r\n }\r\n\r\n function selectPuzzleOption(puzzleId, optionValue, buttonElement) {\r\n \/\/ Remove selected class from all buttons in this puzzle\r\n const puzzleOptions = document.getElementById(`puzzle${puzzleId}Options`);\r\n const allButtons = puzzleOptions.querySelectorAll('.puzzle-option-btn');\r\n allButtons.forEach(btn => btn.classList.remove('selected'));\r\n \r\n \/\/ Add selected class to clicked button\r\n buttonElement.classList.add('selected');\r\n \r\n \/\/ Store the selected answer\r\n selectedAnswers[puzzleId] = optionValue;\r\n }\r\n\r\n function checkPuzzle(puzzle) {\r\n let answer;\r\n let inputElement;\r\n \r\n \/\/ All puzzles are now button-based\r\n if (!selectedAnswers[puzzle]) {\r\n alert('Najpierw wybierz opcj\u0119!');\r\n return;\r\n }\r\n answer = selectedAnswers[puzzle].toString();\r\n inputElement = document.getElementById(`puzzle${puzzle}Options`);\r\n \r\n const correctAnswers = {\r\n 1: '1', \/\/ Ratio de liquidez\r\n 2: '3', \/\/ Retrasos de los proveedores\r\n 3: '1', \/\/ Usar tarjeta de cr\u00e9dito\r\n 4: '2', \/\/ Contactar con prestamista con antelaci\u00f3n\r\n 5: '1', \/\/ Alta dependencia de la deuda\r\n 6: '2', \/\/ Probabilidad e impacto\r\n 7: '1', \/\/ Sin compra por adelantado\r\n 8: '3' \/\/ Responder a retos inesperados\r\n };\r\n \r\n \/\/ Remove old messages\r\n const oldMsg = inputElement.parentNode.querySelector('.encouragement-message');\r\n if (oldMsg) oldMsg.remove();\r\n\r\n if (answer.toLowerCase() === correctAnswers[puzzle]) {\r\n \/\/ All puzzles are now button-based\r\n const allButtons = inputElement.querySelectorAll('.puzzle-option-btn');\r\n allButtons.forEach(btn => btn.style.pointerEvents = 'none');\r\n \r\n \/\/ Highlight correct button\r\n const correctButton = inputElement.querySelector(`[onclick*=\"selectPuzzleOption(${puzzle}, ${correctAnswers[puzzle]}, this)\"]`);\r\n if (correctButton) {\r\n correctButton.classList.add('correct');\r\n }\r\n \r\n const encouragements = {\r\n 1: \"\u00a1Bien hecho! El ratio de liquidez es clave para comprender tu liquidez.\",\r\n 2: \"\u00a1Exactamente! Los retrasos de los proveedores son un factor externo que puede alterar el flujo de caja.\",\r\n 3: \"\u00a1S\u00ed! Las tarjetas de cr\u00e9dito pueden ser \u00fatiles, pero tienen intereses elevados y son arriesgadas si se usan en exceso.\",\r\n 4: \"\u00a1Excelente decisi\u00f3n! La comunicaci\u00f3n temprana genera confianza y abre nuevas opciones.\",\r\n 5: \"\u00a1Correcto! Un ratio deuda-capital superior a 2 significa que la empresa est\u00e1 muy financiada por deuda.\",\r\n 6: \"\u00a1S\u00ed! Las matrices de riesgo eval\u00faan la probabilidad de que se produzca un riesgo y la gravedad de su impacto.\",\r\n 7: \"\u00a1Correcto! El arrendamiento ayuda a conservar el efectivo al evitar compras importantes.\",\r\n 8: \"\u00a1Bien hecho! Un plan de contingencia te proporciona una red de seguridad en caso de crisis financieras.\"\r\n };\r\n const encouragementDiv = document.createElement('div');\r\n encouragementDiv.className = 'encouragement-message';\r\n encouragementDiv.style.fontSize = '1.25rem';\r\n encouragementDiv.style.marginBottom = '1rem';\r\n encouragementDiv.style.background = '#e8f5e9';\r\n encouragementDiv.style.color = '#222';\r\n encouragementDiv.innerHTML = `\r\n <div class=\"encouragement-content\">\r\n <i class=\"fas fa-star\"><\/i>\r\n <p><b><\/b> ${encouragements[puzzle]}<\/p>\r\n <\/div>\r\n `;\r\n \/\/ Display above the button\r\n inputElement.parentNode.insertBefore(encouragementDiv, inputElement.nextSibling);\r\n if (currentPuzzle < totalPuzzles) {\r\n currentPuzzle++;\r\n setTimeout(() => {\r\n showPuzzle(currentPuzzle);\r\n }, 2500);\r\n } else {\r\n setTimeout(() => {\r\n showEscapeResults();\r\n }, 2500);\r\n }\r\n escapeProgress = (currentPuzzle \/ totalPuzzles) * 100;\r\n updateEscapeProgress();\r\n } else {\r\n \/\/ All puzzles are now button-based\r\n const allButtons = inputElement.querySelectorAll('.puzzle-option-btn');\r\n allButtons.forEach(btn => btn.style.pointerEvents = 'none');\r\n \r\n \/\/ Highlight incorrect button\r\n const selectedButton = inputElement.querySelector('.puzzle-option-btn.selected');\r\n if (selectedButton) {\r\n selectedButton.classList.add('incorrect');\r\n }\r\n \r\n const tryAgainMessages = {\r\n 1: \"\u00a1No exactamente! La respuesta correcta es el ratio de liquidez, que muestra la capacidad de cubrir las deudas a corto plazo.\",\r\n 2: \"\u00a1Int\u00e9ntalo de nuevo! Los problemas internos son importantes, pero los retrasos de los proveedores son un riesgo externo.\",\r\n 3: \"\u00a1Esa opci\u00f3n suele ser menos arriesgada! Las tarjetas de cr\u00e9dito son la opci\u00f3n m\u00e1s arriesgada.\",\r\n 4: \"\u00a1Actuar con prontitud ayuda a prevenir da\u00f1os! Siempre contacta con los acreedores antes de incurrir en impago.\",\r\n 5: \"\u00a1Revisa los ratios financieros! La relaci\u00f3n deuda-capital refleja el apalancamiento, no la liquidez.\",\r\n 6: \"\u00a1No exactamente! La evaluaci\u00f3n de riesgos se centra en la probabilidad y el impacto.\",\r\n 7: \"\u00a1No! El arrendamiento no otorga la propiedad ni elimina el riesgo, sino que ayuda a gestionar los costes.\",\r\n 8: \"\u00a1No exactamente! 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