{"id":11,"date":"2025-01-13T11:09:42","date_gmt":"2025-01-13T10:09:42","guid":{"rendered":"https:\/\/www.ub.edu\/educaciofinancera\/?page_id=11"},"modified":"2025-02-27T16:37:40","modified_gmt":"2025-02-27T15:37:40","slug":"recurso-1","status":"publish","type":"page","link":"https:\/\/www.ub.edu\/educaciofinancera\/","title":{"rendered":"Previsi\u00f3 social complement\u00e0ria"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 menu_curso_m hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-medium-visibility fusion-no-large-visibility\"  style='background-color: #000000;background-position: center center;background-repeat: no-repeat;padding-right:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-0 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a href=\"#preg1\">P1<\/a> <a href=\"#preg2\">P2<\/a> <a href=\"#preg3\">P3<\/a> <a href=\"#preg4\">P4<\/a> <a href=\"#preg5\">P5<\/a> <a href=\"#preg6\">P6<\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-1 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-1 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-1 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-1 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-1 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-1 .fusion-popover, .fusion-fullwidth.fusion-builder-row-1 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-1 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: #607d8b;background-position: left top;background-repeat: no-repeat;padding-top:40px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-1 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/portada.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/portada.png\" width=\"580\" height=\"904\" alt=\"\" title=\"portada\" class=\"lazyload img-responsive wp-image-141\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27580%27%20height%3D%27904%27%20viewBox%3D%270%200%20580%20904%27%3E%3Crect%20width%3D%27580%27%20height%3D%273904%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/portada-200x312.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/portada-400x623.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/portada.png 580w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 580px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-2 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-1{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Qu\u00e8 \u00e9s la previsi\u00f3 social?<\/h1><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:20px;margin-bottom:20px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-2{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three fusion-animated confondo_azul\" style=\"margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.2\" data-animationOffset=\"100%\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Estalvi i previsi\u00f3 social: Les 6 preguntes CLAU<\/h3><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:20px;margin-bottom:20px;\"><\/div><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg1\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-1{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-1:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-2 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-2 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-2 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-2 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-2 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-2 .fusion-popover, .fusion-fullwidth.fusion-builder-row-2 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-2 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 30px;margin-top: 50px;'><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-3 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-3{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-center\" style=\"margin:0;\">Aquest web \u00e9s fruit del conveni de col\u00b7laboraci\u00f3 de la Generalitat de Catalunya i de l&#8217;Observatori dels Sistemes de Previsi\u00f3 Social Complement\u00e0ria per promoure l&#8217;educaci\u00f3 financera, especialment entre els joves.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-4 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-5 fusion-one-third 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/02\/gencat_malt.jpg\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/02\/gencat_malt.jpg\" width=\"300\" height=\"125\" alt=\"\" title=\"gencat_malt\" class=\"lazyload img-responsive wp-image-487\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27125%27%20viewBox%3D%270%200%20300%20125%27%3E%3Crect%20width%3D%27300%27%20height%3D%273125%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/02\/gencat_malt-200x83.jpg 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/02\/gencat_malt.jpg 300w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 300px\" \/><\/span><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-6 fusion-one-third fusion-column-last 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-3 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-3 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-3 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-3 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-3 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-3 .fusion-popover, .fusion-fullwidth.fusion-builder-row-3 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-3 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg1\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ffeec9;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/02\/DIAPO1_ca.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-7 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-4{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#8bc34a;\"><span class=\"fusion-dropcap dropcap\">1<\/span> Des de quan estalvia l\u2019\u00e9sser hum\u00e0?<\/p><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-8 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-4 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-4 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-4 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-4 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-4 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-4 .fusion-popover, .fusion-fullwidth.fusion-builder-row-4 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-4 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-9 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-5{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">DES DE SEMPRE<\/h3><\/div><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"0.8\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/troglodita.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/troglodita.png\" width=\"500\" height=\"500\" alt=\"\" title=\"troglodita\" class=\"lazyload img-responsive wp-image-162\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27500%27%20viewBox%3D%270%200%20500%20500%27%3E%3Crect%20width%3D%27500%27%20height%3D%273500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/troglodita-200x200.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/troglodita-400x400.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/troglodita.png 500w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 500px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-10 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-6{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-five fusion-animated\" style=\"margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.2\" data-animationOffset=\"100%\"><h5 class=\"title-heading-left\" style=\"margin:0;\">L&#8217;\u00e9sser hum\u00e0 sempre ha necessitat<strong> protegir-se dels riscos<\/strong> que l&#8217;envolten, tant dels que afecten la seva pr\u00f2pia exist\u00e8ncia, com dels que amenacen els seus recursos econ\u00f2mics.<\/h5><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#03a9f4;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:20px;\"><span class=\"icon-wrapper\" style=\"border-color:#03a9f4;background-color:#ffffff;width: calc(15px * 2 );height: calc(15px * 2 );border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-piggy-bank fas\" style=\"color:#03a9f4;font-size:15px;\"><\/i><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-7{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-five fusion-animated\" style=\"margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.4\" data-animationOffset=\"100%\"><h5 class=\"title-heading-left\" style=\"margin:0;\">La manera de fer front a aquests \u00faltims ha anat canviant al llarg de la hist\u00f2ria, per\u00f2 sempre s&#8217;ha basat en <strong>l&#8217;estalvi<\/strong>, de manera individual o col\u00b7lectiva.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-5 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-5 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-5 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-5 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-5 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-5 .fusion-popover, .fusion-fullwidth.fusion-builder-row-5 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-5 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 reverse-columns nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: #c7d6cb;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-11 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-8{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-five fusion-animated\" style=\"margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.2\" data-animationOffset=\"100%\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#000000;\">A <strong>l\u2019estalviar<\/strong>, sacrifiquem consum present per assegurar consum futur, quan aquest pugui ser m\u00e9s necessari.<\/h5><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#607d8b;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:20px;\"><span class=\"icon-wrapper\" style=\"border-color:#607d8b;background-color:#ffffff;width: calc(15px * 2 );height: calc(15px * 2 );border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-piggy-bank fas\" style=\"color:#607d8b;font-size:15px;\"><\/i><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-9{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-five fusion-animated\" style=\"margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#000000;\">En la mesura que <strong>l&#8217;estalvi<\/strong> es pugui invertir amb \u00e8xit, el consum futur podr\u00e0 ser molt superior a l\u2019obtingut en el present.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-12 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-10{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#000000;\">PER QU\u00c8 ESTALVIEM?<\/h3><\/div><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/manporque.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/manporque.png\" width=\"255\" height=\"500\" alt=\"\" title=\"manporque\" class=\"lazyload img-responsive wp-image-165\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27255%27%20height%3D%27500%27%20viewBox%3D%270%200%20255%20500%27%3E%3Crect%20width%3D%27255%27%20height%3D%273500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/manporque-200x392.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/manporque.png 255w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 255px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-6 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-6 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-6 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-6 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-6 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-6 .fusion-popover, .fusion-fullwidth.fusion-builder-row-6 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-6 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-13 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-11{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;HO EXPLICA<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.2 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-14 fusion-one-half fusion-column-first fusion-no-small-visibility fusion-animated 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-15 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/o6ysk_Virs4?wmode=transparent&autoplay=0&amp;rel=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-7 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-7 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-7 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-7 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #03a9f4;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-16 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-12{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">COM PODEM ESTALVIAR?<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-13{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Podem estalviar mitjan\u00e7ant l\u2019adquisici\u00f3 d\u2019actius reals i actius financers.<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-17 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:300px;\" class=\"fusion-imageframe imageframe-none imageframe-6 hover-type-none fusion-animated\" data-animationType=\"zoomInLeft\" data-animationDuration=\"0.2\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/casa.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/casa.png\" width=\"500\" height=\"489\" alt=\"\" title=\"casa\" class=\"lazyload img-responsive wp-image-177\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27489%27%20viewBox%3D%270%200%20500%20489%27%3E%3Crect%20width%3D%27500%27%20height%3D%273489%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/casa-200x196.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/casa-400x391.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/casa.png 500w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 500px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-14{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Els <strong>actius reals<\/strong> s\u00f3n b\u00e9ns f\u00edsics o tangibles que posseeixen un valor material, com ara propietats immobili\u00e0ries, joies o obres d\u2019art.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-18 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:300px;\" class=\"fusion-imageframe imageframe-none imageframe-7 hover-type-none fusion-animated\" data-animationType=\"zoomInRight\" data-animationDuration=\"0.1\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/financiero.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/financiero.png\" width=\"500\" height=\"489\" alt=\"\" title=\"financiero\" class=\"lazyload img-responsive wp-image-176\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27489%27%20viewBox%3D%270%200%20500%20489%27%3E%3Crect%20width%3D%27500%27%20height%3D%273489%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/financiero-200x196.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/financiero-400x391.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/financiero.png 500w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 500px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-15{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Els<strong> actius financers<\/strong> s\u00f3n actius els valors dels quals es deriva d\u2019acords contractuals, com ara dip\u00f2sits, accions o bons.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-8 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-8 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-8 .fusion-filters .fusion-filter.fusion-active a {border-color: #ff9800;}.fusion-fullwidth.fusion-builder-row-8 .pagination .current {border-color: #ff9800; background-color: #ff9800;}.fusion-fullwidth.fusion-builder-row-8 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-8 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-8 .fusion-popover, .fusion-fullwidth.fusion-builder-row-8 .tooltip-shortcode {color: #ff9800;}#main .fusion-fullwidth.fusion-builder-row-8 .post .blog-shortcode-post-title a:hover {color: #ff9800;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #607d8b;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-19 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-16{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">DISTRIBUCI\u00d3 DEL VALOR DELS ACTIUS A ESPANYA<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-20 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">#fusion-chart-1{background-color: rgba(255,255,255,0);}#fusion-chart-1{padding: 0 0 0 0;}#fusion-chart-1 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-1 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}<\/style><div id=\"fusion-chart-1\" class=\"fusion-chart legend-bottom grafico-blanco\" data-type=\"doughnut\" data-chart_legend_position=\"bottom\" data-x_axis_labels=\"Actius reals|Actius financers\" data-show_tooltips=\"yes\" data-bg_colors=\"#ffc107|#013d96\" data-border_colors=\"#ffc107|#013d96\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"Percentatge\" data-values=\"79|21\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><div class=\"fusion-chart-legend-wrap\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-21 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:40px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-17{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-17 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">En alguns pa\u00efsos, com els <strong>anglosaxons<\/strong>, \u00e9s m\u00e9s com\u00fa l\u2019estalvi en actius financers.<\/h6><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#03a9f4;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:20px;\"><span class=\"icon-wrapper\" style=\"border-color:#03a9f4;background-color:#ffffff;width: calc(15px * 2 );height: calc(15px * 2 );border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-piggy-bank fas\" style=\"color:#03a9f4;font-size:15px;\"><\/i><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-18{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-18 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">En altres pa\u00efsos, com <strong>Espanya<\/strong>, \u00e9s m\u00e9s com\u00fa l\u2019estalvi en actius reals, principalment mitjan\u00e7ant l\u2019adquisici\u00f3 d\u2019habitatge habitual<\/h6><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-9 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-9 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-9 .fusion-filters .fusion-filter.fusion-active a {border-color: #ff9800;}.fusion-fullwidth.fusion-builder-row-9 .pagination .current {border-color: #ff9800; background-color: #ff9800;}.fusion-fullwidth.fusion-builder-row-9 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-9 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-9 .fusion-popover, .fusion-fullwidth.fusion-builder-row-9 .tooltip-shortcode {color: #ff9800;}#main .fusion-fullwidth.fusion-builder-row-9 .post .blog-shortcode-post-title a:hover {color: #ff9800;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #ffffff;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-22 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-19{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-19 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\">ESTALVI EN ACTIUS REALS<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-20{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-20 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\">Distribuci\u00f3 del valor dels actius reals per tipus d\u2019actiu (% sobre el total) a ESPANYA. <em>Font: INE.<\/em><\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_2_3 fusion-builder-column-23 fusion-two-third fusion-column-last 2_3\"  style='margin-top:0px;margin-bottom:20px;width:66.66%;width:calc(66.66% - ( ( 4% ) * 0.6666 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">#fusion-chart-2{background-color: rgba(255,255,255,0);}#fusion-chart-2{padding: 0 0 0 0;}#fusion-chart-2 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-2 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-2 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-2 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}<\/style><div id=\"fusion-chart-2\" class=\"fusion-chart legend-bottom\" data-type=\"line\" data-chart_legend_position=\"bottom\" data-x_axis_labels=\"2005|2008|2011|2014|2017|2020|2022\" data-x_axis_label=\"Anys\" data-y_axis_label=\"Percentatge\" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#8bc34a|#ff9800||||\" data-border_colors=\"#00bcd4|#8bc34a|#ff9800||||\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"Vivenda principal\" data-values=\"66.7|62.1|60.6|57.3|54.4|53|52.9\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-dataset\" data-label=\"Altres propietats immobili\u00e0ries\" data-values=\"23.8|27|29.1|31.6|35.1|35.4|35.7\" data-background_color=\"#8bc34a\" data-border_color=\"#8bc34a\"><\/div><div class=\"fusion-chart-dataset\" data-label=\"Negocis per feina\" data-values=\"8.9|10.3|9.3|10.1|9.4|10.2|10.1\" data-background_color=\"#f44336\" data-border_color=\"#f44336\"><\/div><div class=\"fusion-chart-dataset\" data-label=\"Joies, obres d&#039;art, antiguitats\" data-values=\"0.6|0.5|1|1|1.1|1.4|1.2\" data-background_color=\"#ff9800\" data-border_color=\"#ff9800\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><div class=\"fusion-chart-legend-wrap\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-10 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-10 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-10 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-10 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-10 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-10 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-10 .fusion-popover, .fusion-fullwidth.fusion-builder-row-10 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-10 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #eaeaea;background-position: center center;background-repeat: no-repeat;padding-top:3%;padding-right:0px;padding-bottom:3%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-24 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-21{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-21 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\">ESTALVI EN ACTIUS FINANCERS<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_2_3 fusion-builder-column-25 fusion-two-third fusion-column-last 2_3\"  style='margin-top:0px;margin-bottom:20px;width:66.66%;width:calc(66.66% - ( ( 4% ) * 0.6666 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-22{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-22 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\">Distribuci\u00f3 del valor dels actius financers per tipus d\u2019actiu (% sobre total) a ESPANYA. <em>Font: INVERCO amb dades del Banc d\u2019Espanya.<\/em><\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-26 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-tabs fusion-tabs-1 classic tab_peque horizontal-tabs icon-position-left\"><style type=\"text\/css\">.fusion-tabs.fusion-tabs-1 .nav-tabs li a.tab-link{border-top-color:#f9f9fb;background-color:#f9f9fb;}.fusion-tabs.fusion-tabs-1 .nav-tabs{background-color:#ffffff;}.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:focus{border-right-color:#ffffff;}.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:focus{background-color:#ffffff;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a:hover{background-color:#ffffff;border-top-color:#ffffff;}.fusion-tabs.fusion-tabs-1 .tab-pane{background-color:#ffffff;}.fusion-tabs.fusion-tabs-1 .nav,.fusion-tabs.fusion-tabs-1 .nav-tabs,.fusion-tabs.fusion-tabs-1 .tab-content .tab-pane{border-color:#e2e2e2;}<\/style><div class=\"nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2024\" href=\"#tab-20417090ae843131cc1\"><h4 class=\"fusion-tab-heading\">2024<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2023\" href=\"#tab-2f343bebb512a4ff1eb\"><h4 class=\"fusion-tab-heading\">2023<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2022\" href=\"#tab-6d5cd30ed0ca3339945\"><h4 class=\"fusion-tab-heading\">2022<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2021\" href=\"#tab-28ad7c1bddfc6a03cd7\"><h4 class=\"fusion-tab-heading\">2021<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2020\" href=\"#tab-d81683be4b5691ad274\"><h4 class=\"fusion-tab-heading\">2020<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2019\" href=\"#tab-af855f4ea1e0d768bc1\"><h4 class=\"fusion-tab-heading\">2019<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2018\" href=\"#tab-f72f800ebeb068bf13b\"><h4 class=\"fusion-tab-heading\">2018<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2017\" href=\"#tab-91fd3a6b77ae6a06c6f\"><h4 class=\"fusion-tab-heading\">2017<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2016\" href=\"#tab-dc5d47bac4789976380\"><h4 class=\"fusion-tab-heading\">2016<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2015\" href=\"#tab-eb60e1fa375c55da495\"><h4 class=\"fusion-tab-heading\">2015<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2012\" href=\"#tab-48cef1a1e901c7c9823\"><h4 class=\"fusion-tab-heading\">2012<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2010\" href=\"#tab-45ad2f7c9a4a0f06205\"><h4 class=\"fusion-tab-heading\">2010<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2005\" href=\"#tab-79003a72807b7972f51\"><h4 class=\"fusion-tab-heading\">2005<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2000\" href=\"#tab-e11372c6dacb9094923\"><h4 class=\"fusion-tab-heading\">2000<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-1995\" href=\"#tab-494a6bb2f2e90d084e8\"><h4 class=\"fusion-tab-heading\">1995<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2024\" href=\"#tab-20417090ae843131cc1\"><h4 class=\"fusion-tab-heading\">2024<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" id=\"tab-20417090ae843131cc1\">\n<style type=\"text\/css\">#fusion-chart-3{background-color: rgba(255,255,255,0);}#fusion-chart-3{padding: 0 0 0 0;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-3 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-3\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"36.9|16|4.5|31.8|8.2|0.5|2.2|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2023\" href=\"#tab-2f343bebb512a4ff1eb\"><h4 class=\"fusion-tab-heading\">2023<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-2f343bebb512a4ff1eb\">\n<style type=\"text\/css\">#fusion-chart-4{background-color: rgba(255,255,255,0);}#fusion-chart-4{padding: 0 0 0 0;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-4 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-4\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"37.6|15.5|4.4|31.3|8.3|0.6|2.4|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2022\" href=\"#tab-6d5cd30ed0ca3339945\"><h4 class=\"fusion-tab-heading\">2022<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-6d5cd30ed0ca3339945\">\n<style type=\"text\/css\">#fusion-chart-5{background-color: rgba(255,255,255,0);}#fusion-chart-5{padding: 0 0 0 0;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-5 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-5\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"40.2|14.4|4.5|29.9|8|0.6|2.4|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2021\" href=\"#tab-28ad7c1bddfc6a03cd7\"><h4 class=\"fusion-tab-heading\">2021<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-28ad7c1bddfc6a03cd7\">\n<style type=\"text\/css\">#fusion-chart-6{background-color: rgba(255,255,255,0);}#fusion-chart-6{padding: 0 0 0 0;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-6 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-6\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"38.7|15.7|5|28.5|9.5|0.5|2.2|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2020\" href=\"#tab-d81683be4b5691ad274\"><h4 class=\"fusion-tab-heading\">2020<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-d81683be4b5691ad274\">\n<style type=\"text\/css\">#fusion-chart-7{background-color: rgba(255,255,255,0);}#fusion-chart-7{padding: 0 0 0 0;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-7 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-7\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"38.5|13.9|4.8|29.9|10.2|0.5|2.3|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2019\" href=\"#tab-af855f4ea1e0d768bc1\"><h4 class=\"fusion-tab-heading\">2019<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-af855f4ea1e0d768bc1\">\n<style type=\"text\/css\">#fusion-chart-8{background-color: rgba(255,255,255,0);}#fusion-chart-8{padding: 0 0 0 0;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-8 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-8\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"37.4|14.1|5.1|30.1|10.6|0.6|2.1|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2018\" href=\"#tab-f72f800ebeb068bf13b\"><h4 class=\"fusion-tab-heading\">2018<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-f72f800ebeb068bf13b\">\n<style type=\"text\/css\">#fusion-chart-9{background-color: rgba(255,255,255,0);}#fusion-chart-9{padding: 0 0 0 0;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-9 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-9\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"37.9|13.5|4.9|30.3|10.5|0.6|2.3|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2017\" href=\"#tab-91fd3a6b77ae6a06c6f\"><h4 class=\"fusion-tab-heading\">2017<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-91fd3a6b77ae6a06c6f\">\n<style type=\"text\/css\">#fusion-chart-10{background-color: rgba(255,255,255,0);}#fusion-chart-10{padding: 0 0 0 0;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-10 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-10\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"36.6|13.5|5.1|32|10.3|0.6|1.9|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2016\" href=\"#tab-dc5d47bac4789976380\"><h4 class=\"fusion-tab-heading\">2016<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-dc5d47bac4789976380\">\n<style type=\"text\/css\">#fusion-chart-11{background-color: rgba(255,255,255,0);}#fusion-chart-11{padding: 0 0 0 0;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-11 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-11\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"37|12.2|5|33.7|10|0.6|1.6|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2015\" href=\"#tab-eb60e1fa375c55da495\"><h4 class=\"fusion-tab-heading\">2015<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-eb60e1fa375c55da495\">\n<style type=\"text\/css\">#fusion-chart-12{background-color: rgba(255,255,255,0);}#fusion-chart-12{padding: 0 0 0 0;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-12 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-12\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"36.6|11.5|4.9|35.1|9.7|0.6|1.6|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2012\" href=\"#tab-48cef1a1e901c7c9823\"><h4 class=\"fusion-tab-heading\">2012<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-48cef1a1e901c7c9823\">\n<style type=\"text\/css\">#fusion-chart-13{background-color: rgba(255,255,255,0);}#fusion-chart-13{padding: 0 0 0 0;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-13 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-13\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"44.6|6.4|5.2|30.7|10.1|0.9|2.1|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2010\" href=\"#tab-45ad2f7c9a4a0f06205\"><h4 class=\"fusion-tab-heading\">2010<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-45ad2f7c9a4a0f06205\">\n<style type=\"text\/css\">#fusion-chart-14{background-color: rgba(255,255,255,0);}#fusion-chart-14{padding: 0 0 0 0;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-14 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-14\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"46.4|7.2|5.3|28.2|9.9|1.1|1.9|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2005\" href=\"#tab-79003a72807b7972f51\"><h4 class=\"fusion-tab-heading\">2005<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-79003a72807b7972f51\">\n<style type=\"text\/css\">#fusion-chart-15{background-color: rgba(255,255,255,0);}#fusion-chart-15{padding: 0 0 0 0;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-15 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}<\/style><div id=\"fusion-chart-15\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"36.3|12.7|5.2|33.4|9.3|1.7|1.4|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2000\" href=\"#tab-e11372c6dacb9094923\"><h4 class=\"fusion-tab-heading\">2000<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-e11372c6dacb9094923\">\n<style type=\"text\/css\">#fusion-chart-16{background-color: rgba(255,255,255,0);}#fusion-chart-16{padding: 0 0 0 0;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}#fusion-chart-16 .fusion-chart-legend-wrap li:nth-child(8) span{color: #ffffff;}<\/style><div id=\"fusion-chart-16\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc|#ffffff\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc|#ffffff\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"38.8|13.9|5|29.9|9.7|1.8|0.8|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-1995\" href=\"#tab-494a6bb2f2e90d084e8\"><h4 class=\"fusion-tab-heading\">1995<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-494a6bb2f2e90d084e8\">\n<style type=\"text\/css\">#fusion-chart-17{background-color: rgba(255,255,255,0);}#fusion-chart-17{padding: 0 0 0 0;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(5) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(6) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(7) span{color: #ffffff;}#fusion-chart-17 .fusion-chart-legend-wrap li:nth-child(8) span{color: #ffffff;}<\/style><div id=\"fusion-chart-17\" class=\"fusion-chart\" data-type=\"horizontalBar\" data-x_axis_labels=\"Dip\u00f2sits i efectiu|Inst. Inversi\u00f3 Col\u00b7lectiva|Fons de Pensions|Inversi\u00f3 Directa|Assegurances\/Entitats PS|Cr\u00e8dits|Altres\" data-x_axis_label=\"Percentatge\" data-y_axis_label=\" \" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc|#ffffff\" data-border_colors=\"#00bcd4|#f44336|#8bc34a|#ffeb3b|#ff9800|#607d8b|#024ccc|#ffffff\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_point_bg_color=\"#03a9f4\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"1995\" data-values=\"51|10.2|3.5|22.8|6.6|3.1|2.5|100\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><\/div><\/div>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-11 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-11 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-11 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-11 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-11 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-11 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-11 .fusion-popover, .fusion-fullwidth.fusion-builder-row-11 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-11 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-12 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #eaeaea;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:15%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-27 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg2\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-2{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-2:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-12 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-12 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-12 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-12 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-12 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-12 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-12 .fusion-popover, .fusion-fullwidth.fusion-builder-row-12 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-12 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg2\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-13 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ffeb3b;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/DIAPO2.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-28 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-23{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-23 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\"><span class=\"fusion-dropcap dropcap\">2<\/span> Previsi\u00f3 social i Seguretat Social<\/p><\/h1><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-24{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-24 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"font-size:90px;margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInRight\" data-animationDuration=\"0.8\" data-animationOffset=\"100%\"><h1 class=\"title-heading-left\" style=\"margin:0;font-size:1em;color:#607d8b;\">\u00c9s el mateix?<\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-29 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-13 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-13 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-13 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-13 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-13 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-13 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-13 .fusion-popover, .fusion-fullwidth.fusion-builder-row-13 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-13 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-14 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_2_3 fusion-builder-column-30 fusion-two-third fusion-column-first 2_3\"  style='margin-top:0px;margin-bottom:20px;width:66.66%;width:calc(66.66% - ( ( 4% ) * 0.6666 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-25{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-25 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"font-size:200px;margin-top:10px;margin-bottom:15px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><h1 class=\"title-heading-left\" style=\"margin:0;font-size:1em;\">NO<\/h1><\/div><style type=\"text\/css\">.fusion-title.fusion-title-26 svg path{stroke-width:9!important}@media only screen and (max-width:800px) {.fusion-title.fusion-title-26{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-26 fusion-sep-none fusion-title-highlight fusion-loop-off fusion-highlight-underline fusion-title-size-two\" style=\"margin-top:10px;margin-bottom:15px;\" data-highlight=\"underline\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#607d8b;\"><span class=\"fusion-highlighted-text-prefix\">La seguretat social \u00e9s tan sols <\/span> <span class=\"fusion-highlighted-text-wrapper\"><span class=\"fusion-highlighted-text\">la part p\u00fablica <\/span><\/span> <span class=\"fusion-highlighted-text-postfix\">del sistema de previsi\u00f3.<\/span><\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-31 fusion-one-third fusion-column-last 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-fa-align-left\"><i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon fa-cogs fas circle-no\" style=\"font-size:80px;margin-right:40px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-3{ color: #03a9f4;}i.fontawesome-icon.fb-icon-element-3:hover { color: #ffffff;}<\/style><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:5px;margin-bottom:5px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-27{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-27 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">La previsi\u00f3 social \u00e9s un conjunt de mecanismes dels quals disposen els ciutadans.<\/h5><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#03a9f4;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:20px;\"><span class=\"icon-wrapper\" style=\"border-color:#03a9f4;background-color:#ffffff;width: calc(15px * 2 );height: calc(15px * 2 );border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-piggy-bank fas\" style=\"color:#03a9f4;font-size:15px;\"><\/i><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-28{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-28 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Serveixen per protegir el benestar econ\u00f2mic, f\u00edsic i social quan aquests es jubilen, esdevenen dependents, pateixen algun tipus d&#8217;invalidesa o moren.<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-14 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-14 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-14 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-14 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-14 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-14 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-14 .fusion-popover, .fusion-fullwidth.fusion-builder-row-14 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-14 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-15 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-32 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-29{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-29 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;EXPLICA QUE \u00c9S LA PREVISI\u00d3 SOCIAL<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-33 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-8 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-34 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/LcHawhzf1ao?wmode=transparent&autoplay=0&amp;rel=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-15 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-15 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-15 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-15 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-15 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-15 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-15 .fusion-popover, .fusion-fullwidth.fusion-builder-row-15 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-15 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-16 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ffc107;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:8%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-35 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-30{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-30 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">I LLAVORS, QU\u00c8 \u00c9S LA SEGURETAT SOCIAL?<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-36 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.33);overflow:hidden;border-radius:20px 20px 20px 20px;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;border-radius:20px 20px 20px 20px;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-31{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-31 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">La Seguretat Social \u00e9s tan sols la part p\u00fablica del sistema de previsi\u00f3 social, la que es gestiona des de les administracions p\u00fabliques i es finan\u00e7a a trav\u00e9s de les cotitzacions de treballadors i empresaris i dels impostos.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-37 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/mB0MZfkmsFs?wmode=transparent&autoplay=0&amp;rel=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-16 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-16 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-16 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-16 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-16 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-16 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-16 .fusion-popover, .fusion-fullwidth.fusion-builder-row-16 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-16 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-17 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #ffc107;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:15%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-38 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg3\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-4 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-4{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-4:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-17 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-17 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-17 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-17 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-17 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-17 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-17 .fusion-popover, .fusion-fullwidth.fusion-builder-row-17 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-17 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg3\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-18 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height non-hundred-percent-height-scrolling lazyload\"  style='background-color: #dcebf4;background-position: center top;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/DIAPO3.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-39 fusion-one-fourth fusion-column-first 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-40 fusion-one-half 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 50px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-32{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-32 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-center\" style=\"margin:0;color:#03a9f4;\"><span class=\"fusion-dropcap dropcap\">3<\/span> Quin \u00e9s el nostre model de previsi\u00f3 social?<\/p><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-41 fusion-one-fourth fusion-column-last 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-18 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-18 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-18 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-18 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-18 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-18 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-18 .fusion-popover, .fusion-fullwidth.fusion-builder-row-18 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-18 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-19 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-42 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">.fusion-title.fusion-title-33 svg path{stroke-width:9!important}@media only screen and (max-width:800px) {.fusion-title.fusion-title-33{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-33 fusion-sep-none fusion-title-center fusion-title-highlight fusion-loop-on fusion-highlight-underline fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\" data-highlight=\"underline\"><h1 class=\"title-heading-center\" style=\"margin:0;\"><span class=\"fusion-highlighted-text-prefix\">El model dels<\/span> <span class=\"fusion-highlighted-text-wrapper\"><span class=\"fusion-highlighted-text\">3 pilars<\/span><\/span> <span class=\"fusion-highlighted-text-postfix\"><\/span><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-43 fusion-one-fifth fusion-column-first fusion-no-small-visibility 1_5\"  style='margin-top:0px;margin-bottom:20px;width:20%;width:calc(20% - ( ( 4% + 4% + 4% + 4% ) * 0.2 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-44 fusion-one-fifth fusion-no-small-visibility fusion-animated 1_5\"  style='margin-top:0px;margin-bottom:20px;width:20%;width:calc(20% - ( ( 4% + 4% + 4% + 4% ) * 0.2 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-9 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar_1\" class=\"lazyload img-responsive wp-image-409\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-45 fusion-one-fifth fusion-no-small-visibility fusion-animated 1_5\"  style='margin-top:0px;margin-bottom:20px;width:20%;width:calc(20% - ( ( 4% + 4% + 4% + 4% ) * 0.2 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-10 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar2\" class=\"lazyload img-responsive wp-image-410\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-46 fusion-one-fifth fusion-no-small-visibility fusion-animated 1_5\"  style='margin-top:0px;margin-bottom:20px;width:20%;width:calc(20% - ( ( 4% + 4% + 4% + 4% ) * 0.2 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-11 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar3\" class=\"lazyload img-responsive wp-image-411\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-47 fusion-one-fifth fusion-column-last fusion-no-small-visibility 1_5\"  style='margin-top:0px;margin-bottom:20px;width:20%;width:calc(20% - ( ( 4% + 4% + 4% + 4% ) * 0.2 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-48 fusion-one-full fusion-column-first fusion-column-last fusion-no-medium-visibility fusion-no-large-visibility 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-12 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27193%27%20height%3D%27200%27%20viewBox%3D%270%200%20193%20200%27%3E%3Crect%20width%3D%27193%27%20height%3D%273200%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/3pilares.png\" width=\"193\" height=\"200\" alt=\"\" title=\"3pilares\" class=\"lazyload img-responsive wp-image-476\"\/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-19 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-19 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-19 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-19 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-19 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-19 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-19 .fusion-popover, .fusion-fullwidth.fusion-builder-row-19 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-19 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-20 fusion-parallax-fixed nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/univer.jpg\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-49 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.3);padding: 40px 40px 40px 40px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-34{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-34 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">L&#8217;any 1977, l&#8217;Institut de la Seguretat Social de la Universitat Cat\u00f2lica de Lovaina va organitzar els <strong>\u201cCol\u00b7loquis de Setembre\u201d<\/strong><\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-50 fusion-one-third 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.3);padding: 30px 30px 30px 30px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-35{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-35 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">L\u2019objectiu principal del Col\u00b7loqui era definir un nou model europeu de previsi\u00f3 social.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-51 fusion-one-third fusion-column-last 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.3);padding: 30px 30px 30px 30px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-36{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-36 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Els Col\u00b7loquis van concloure amb la determinaci\u00f3 del que s&#8217;ha donat a con\u00e8ixer com el <strong>\u201cCodi de Lovaina\u201d.<\/strong><\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-52 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-13 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui.png\" width=\"1400\" height=\"600\" alt=\"\" title=\"coloqui\" class=\"lazyload img-responsive wp-image-238\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271400%27%20height%3D%27600%27%20viewBox%3D%270%200%201400%20600%27%3E%3Crect%20width%3D%271400%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui-200x86.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui-400x171.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui-600x257.png 600w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui-800x343.png 800w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui-1200x514.png 1200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/coloqui.png 1400w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 1400px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-20 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-20 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-20 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-20 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-20 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-20 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-20 .fusion-popover, .fusion-fullwidth.fusion-builder-row-20 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-20 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-21 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-53 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-37{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-37 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;EXPLICA EL MODEL DELS 3 PILARS<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-54 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-14 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-55 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/fqmEDQByVzA?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-21 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-21 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-21 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-21 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-21 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-21 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-21 .fusion-popover, .fusion-fullwidth.fusion-builder-row-21 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-21 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-22 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-56 fusion-one-fourth fusion-column-first fusion-animated 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><span class=\"fusion-imageframe imageframe-none imageframe-15 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/comentario.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/comentario.png\" width=\"216\" height=\"572\" alt=\"\" title=\"comentario\" class=\"lazyload img-responsive wp-image-295\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27216%27%20height%3D%27572%27%20viewBox%3D%270%200%20216%20572%27%3E%3Crect%20width%3D%27216%27%20height%3D%273572%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/comentario-200x530.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/comentario.png 216w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 216px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-57 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-38{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-38 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">El <strong>\u201cCodi de Lovaina\u201d<\/strong> va dibuixar l\u2019arquitectura del model de la previsi\u00f3 social a Europa, definida per l\u2019exist\u00e8ncia de tres pilars:<\/h3><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-22 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-22 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-22 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-22 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-22 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-22 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-22 .fusion-popover, .fusion-fullwidth.fusion-builder-row-22 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-22 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-23 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(96,125,139,0.29);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-58 fusion-one-third fusion-column-first fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:100px;\" class=\"fusion-imageframe imageframe-none imageframe-16 hover-type-none fusion-no-small-visibility\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar_1\" class=\"lazyload img-responsive wp-image-409\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar_1.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-39{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-39 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three fondo_amarillo\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-center\" style=\"margin:0;\">El teu pa\u00eds<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-40{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-40 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\"><p><strong>Sistema p\u00fablic de pensions.<\/strong><br \/>\nDe car\u00e0cter contributiu, no contributiu o ambd\u00f3s a la vegada.<\/p><\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.6 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-59 fusion-one-third fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:100px;\" class=\"fusion-imageframe imageframe-none imageframe-17 hover-type-none fusion-no-small-visibility\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar2\" class=\"lazyload img-responsive wp-image-410\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar2.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-41{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-41 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three fondo_azul\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-center\" style=\"margin:0;\">La teva feina<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-42{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-42 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\"><p><strong>R\u00e8gims privats que es desenvolupen en l&#8217;\u00e0mbit de l&#8217;empresa.<\/strong><br \/>\nEs configuren com a sistemes de capitalitzaci\u00f3 que es financen principalment amb les aportacions peri\u00f2diques dels ocupadors.<\/p><\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.9 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-60 fusion-one-third fusion-column-last fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:100px;\" class=\"fusion-imageframe imageframe-none imageframe-18 hover-type-none fusion-no-small-visibility\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png\" width=\"250\" height=\"800\" alt=\"\" title=\"pilar3\" class=\"lazyload img-responsive wp-image-411\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27250%27%20height%3D%27800%27%20viewBox%3D%270%200%20250%20800%27%3E%3Crect%20width%3D%27250%27%20height%3D%273800%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3-200x640.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/pilar3.png 250w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 250px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-43{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-43 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three fondo_verde\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-center\" style=\"margin:0;\">La teva iniciativa<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-44{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-44 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\"><p><strong>La part volunt\u00e0ria.<\/strong><br \/>\nCorrespon a la decisi\u00f3 individual i volunt\u00e0ria de les persones de destinar part de la seva renda lliure a l&#8217;estalvi.<\/p><\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-23 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-23 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-23 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-23 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-23 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-23 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-23 .fusion-popover, .fusion-fullwidth.fusion-builder-row-23 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-23 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-24 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ffffff;background-position: right bottom;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/bandera.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-61 fusion-one-fourth fusion-column-first 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-19 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27184%27%20height%3D%27350%27%20viewBox%3D%270%200%20184%20350%27%3E%3Crect%20width%3D%27184%27%20height%3D%273350%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/comentario2.png\" width=\"184\" height=\"350\" alt=\"\" title=\"comentario2\" class=\"lazyload img-responsive wp-image-302\"\/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-45{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-45 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;\">COM FUNCIONEN ELS 3 PILARS A ESPANYA?<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-62 fusion-one-fourth 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-20 hover-type-none fusion-animated\" data-animationType=\"slideInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par1.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par1.png\" width=\"300\" height=\"300\" alt=\"\" title=\"par1\" class=\"lazyload img-responsive wp-image-246\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27300%27%20viewBox%3D%270%200%20300%20300%27%3E%3Crect%20width%3D%27300%27%20height%3D%273300%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par1-200x200.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par1.png 300w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 300px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-46{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-46 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;\"><strong>El primer pilar<\/strong> \u00e9s b\u00e0sicament contributiu i finan\u00e7at mitjan\u00e7ant un sistema de solidaritat intergeneracional.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-63 fusion-one-fourth 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-21 hover-type-none fusion-animated\" data-animationType=\"slideInDown\" data-animationDuration=\"0.4\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par2.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par2.png\" width=\"300\" height=\"300\" alt=\"\" title=\"par2\" class=\"lazyload img-responsive wp-image-247\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27300%27%20viewBox%3D%270%200%20300%20300%27%3E%3Crect%20width%3D%27300%27%20height%3D%273300%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par2-200x200.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par2.png 300w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 300px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-47{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-47 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;\"><strong>El segon pilar<\/strong> \u00e9s voluntari i de gesti\u00f3 privada. Es finan\u00e7a principalment mitjan\u00e7ant aportacions de l\u2019empresari, i en alguns casos, del treballador.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-64 fusion-one-fourth fusion-column-last 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% + 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-22 hover-type-none fusion-animated\" data-animationType=\"slideInDown\" data-animationDuration=\"0.5\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png\" width=\"300\" height=\"300\" alt=\"\" title=\"par3\" class=\"lazyload img-responsive wp-image-248\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27300%27%20viewBox%3D%270%200%20300%20300%27%3E%3Crect%20width%3D%27300%27%20height%3D%273300%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3-200x200.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png 300w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 300px\" \/><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-48{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-48 fusion-sep-none fusion-title-text fusion-title-size-six\" style=\"margin-top:10px;margin-bottom:15px;\"><h6 class=\"title-heading-left\" style=\"margin:0;\"><strong>El tercer pilar<\/strong> correspon a l\u2019estalvi personal que cada ciutad\u00e0 decideix fer de manera volunt\u00e0ria.<\/h6><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-24 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-24 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-24 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-24 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-24 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-24 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-24 .fusion-popover, .fusion-fullwidth.fusion-builder-row-24 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-24 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-25 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:15%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-65 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg4\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-5 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-5{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-5:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-25 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-25 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-25 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-25 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-25 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-25 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-25 .fusion-popover, .fusion-fullwidth.fusion-builder-row-25 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-25 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg4\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-26 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #03a9f4;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/DIAPO4.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-66 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-49{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-49 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ed36ea;\"><span class=\"fusion-dropcap dropcap\">4<\/span> Qu\u00e8 \u00e9s el primer pilar de la previsi\u00f3 social?<\/p><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-67 fusion-one-fourth 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-68 fusion-one-fourth fusion-column-last 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-26 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-26 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-26 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-26 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-26 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-26 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-26 .fusion-popover, .fusion-fullwidth.fusion-builder-row-26 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-26 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-27 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: #ffeb3b;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-69 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-23 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/gente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/gente.png\" width=\"600\" height=\"550\" alt=\"\" title=\"gente\" class=\"lazyload img-responsive wp-image-307\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27600%27%20height%3D%27550%27%20viewBox%3D%270%200%20600%20550%27%3E%3Crect%20width%3D%27600%27%20height%3D%273550%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/gente-200x183.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/gente-400x367.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/gente.png 600w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-70 fusion-one-third 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-50{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-50 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:10px;margin-bottom:15px;\"><h2 class=\"title-heading-left\" style=\"margin:0;\">\u00c9s el pilar p\u00fablic i de car\u00e0cter universal<\/h2><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-71 fusion-one-third fusion-column-last fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-51{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-51 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:15px;\"><h4 class=\"title-heading-left\" style=\"margin:0;\">\u00c9s el que garanteix les pensions p\u00fabliques mitjan\u00e7ant un mecanisme de cobertura i protecci\u00f3 que abasta tota la poblaci\u00f3.<\/h4><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-27 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-27 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-27 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-27 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-27 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-27 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-27 .fusion-popover, .fusion-fullwidth.fusion-builder-row-27 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-27 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-28 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-72 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:#ffffff;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-52{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-52 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Hi ha dos models b\u00e0sics sobre com estructurar el primer pilar: el model de <strong>Bismarck<\/strong>, amb origen a l&#8217;Europa continental, i el model de <strong>Beveridge<\/strong>, d&#8217;origen anglosax\u00f3.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.4 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-73 fusion-one-third fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:#03a9f4;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-53{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-53 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\"><strong>Model de Bismarck<\/strong>, concebut com un sistema de protecci\u00f3 obligat\u00f2ria finan\u00e7at mitjan\u00e7ant les contribucions tant de l\u2019empleat com de l\u2019ocupador.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.9 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-74 fusion-one-third fusion-column-last fusion-animated 1_3\"  style='margin-top:0px;margin-bottom:20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'><div class=\"fusion-column-wrapper\" style=\"background-color:#8bc34a;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-54{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-54 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\"><strong>Model de Beveridge<\/strong>, basat en el reconeixement universal d\u2019un m\u00ednim vital finan\u00e7at a c\u00e0rrec del pressupostos generals.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-28 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-28 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-28 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-28 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-28 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-28 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-28 .fusion-popover, .fusion-fullwidth.fusion-builder-row-28 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-28 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-29 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-75 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-55{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-55 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">\u00c9S IGUAL A TOTA EUROPA?<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-76 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-24 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-77 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/rA_IYSeYrEY?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-29 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-29 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-29 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-29 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-29 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-29 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-29 .fusion-popover, .fusion-fullwidth.fusion-builder-row-29 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-29 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-30 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5$;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-78 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-56{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-56 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">COM ES FINAN\u00c7A EL PRIMER PILAR A ESPANYA?<\/h3><\/div><div class=\"fusion-slider-sc fusion-flexslider-loading flexslider fusion-aligncenter flexslider-hover-type-none quitar_botones\" data-slideshow_autoplay=\"1\" data-slideshow_smooth_height=\"0\" data-slideshow_speed=\"1000\" style=\"max-width:150px;height:100%;\"><ul class=\"slides\"><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-322 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto01.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-315 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto02.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-316 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto03.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-317 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto04.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-318 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto05.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-319 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto06.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-320 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto07.png\" \/><\/span><\/li><li class=\"image\"><span class=\"fusion-image-hover-element hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27340%27%20viewBox%3D%270%200%20150%20340%27%3E%3Crect%20width%3D%27150%27%20height%3D%273340%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"150\" height=\"340\" class=\"wp-image-321 lazyload\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/reparto08.png\" \/><\/span><\/li><\/ul><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-79 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-57{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-57 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Mitjan\u00e7ant un mecanisme de finan\u00e7ament de pensions anomenat <strong>SISTEMA DE REPARTIMENT<\/strong> que es basa en la solidaritat entre generacions.<\/h5><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-58{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-58 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Els empleats i els seus ocupadors abonen de forma peri\u00f2dica al sistema de la seguretat social unes quanties denominades <strong>cotitzacions.<\/strong><\/h5><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-59{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-59 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Aquestes <strong>COTITZACIONS<\/strong> es destinen a pagar les pensions.<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-30 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-30 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-30 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-30 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-30 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-30 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-30 .fusion-popover, .fusion-fullwidth.fusion-builder-row-30 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-30 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-31 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #02ace5;background-position: center center;background-repeat: no-repeat;padding-top:11%;padding-right:0px;padding-bottom:11%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/modelo_reparto.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-80 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:48%; margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.33);padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-60{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-60 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">ALESHORES, LES COTITZACIONS QUE FAIG, S\u00d3N PER A LA MEVA FUTURA PENSI\u00d3?<\/h3><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-61{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-61 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">L&#8217;abonament de cotitzacions garanteix als treballadors el dret a rebre prestacions socials en el futur.<\/h5><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-31 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-31 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-31 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-31 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-31 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-31 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-31 .fusion-popover, .fusion-fullwidth.fusion-builder-row-31 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-31 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-32 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-81 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-62{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-62 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">AFILIATS I PENSIONS A ESPANYA<\/h3><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;\"><\/div><div class=\"fusion-tabs fusion-tabs-2 classic tab_peque horizontal-tabs icon-position-left\"><style type=\"text\/css\">.fusion-tabs.fusion-tabs-2 .nav-tabs li a.tab-link{border-top-color:#f9f9fb;background-color:#f9f9fb;}.fusion-tabs.fusion-tabs-2 .nav-tabs{background-color:#ffffff;}.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:focus{border-right-color:#ffffff;}.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:focus{background-color:#ffffff;}.fusion-tabs.fusion-tabs-2 .nav-tabs li a:hover{background-color:#ffffff;border-top-color:#ffffff;}.fusion-tabs.fusion-tabs-2 .tab-pane{background-color:#ffffff;}.fusion-tabs.fusion-tabs-2 .nav,.fusion-tabs.fusion-tabs-2 .nav-tabs,.fusion-tabs.fusion-tabs-2 .tab-content .tab-pane{border-color:#e2e2e2;}<\/style><div class=\"nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2024\" href=\"#tab-e993c12405237ecc4c0\"><h4 class=\"fusion-tab-heading\">2024<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2023\" href=\"#tab-0ecd769605e0c8b6d35\"><h4 class=\"fusion-tab-heading\">2023<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2022\" href=\"#tab-f7fdf9e3001c7e79a25\"><h4 class=\"fusion-tab-heading\">2022<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2021\" href=\"#tab-dcf79f3043c7401056f\"><h4 class=\"fusion-tab-heading\">2021<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2020\" href=\"#tab-dcbf236b507ca9d51dc\"><h4 class=\"fusion-tab-heading\">2020<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2019\" href=\"#tab-d117007e2322d712bb7\"><h4 class=\"fusion-tab-heading\">2019<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2018\" href=\"#tab-30881372c724cee8b58\"><h4 class=\"fusion-tab-heading\">2018<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2017\" href=\"#tab-168d6a2657ebf059d1a\"><h4 class=\"fusion-tab-heading\">2017<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2016\" href=\"#tab-67ed797bf9268725c86\"><h4 class=\"fusion-tab-heading\">2016<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2015\" href=\"#tab-3601d369dbace879a65\"><h4 class=\"fusion-tab-heading\">2015<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2014\" href=\"#tab-7b16bca06ee3696c2b5\"><h4 class=\"fusion-tab-heading\">2014<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2013\" href=\"#tab-c576539494bf610cf28\"><h4 class=\"fusion-tab-heading\">2013<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2012\" href=\"#tab-67c329fe1cb67f6f33b\"><h4 class=\"fusion-tab-heading\">2012<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2011\" href=\"#tab-9892fd3a84dd3758a97\"><h4 class=\"fusion-tab-heading\">2011<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2010\" href=\"#tab-f95d8f18fbb28aa9074\"><h4 class=\"fusion-tab-heading\">2010<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2009\" href=\"#tab-731570b22bd3297bb1f\"><h4 class=\"fusion-tab-heading\">2009<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2008\" href=\"#tab-9c6ce47c4f1abf6fec1\"><h4 class=\"fusion-tab-heading\">2008<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2007\" href=\"#tab-4b8d904f31ba1e98936\"><h4 class=\"fusion-tab-heading\">2007<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-2006\" href=\"#tab-97b94ba89e5572c0a5d\"><h4 class=\"fusion-tab-heading\">2006<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2024\" href=\"#tab-e993c12405237ecc4c0\"><h4 class=\"fusion-tab-heading\">2024<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" id=\"tab-e993c12405237ecc4c0\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"21210000\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.06\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"10281500\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2023\" href=\"#tab-0ecd769605e0c8b6d35\"><h4 class=\"fusion-tab-heading\">2023<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-0ecd769605e0c8b6d35\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"20547000\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.04\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"10051700\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2022\" href=\"#tab-f7fdf9e3001c7e79a25\"><h4 class=\"fusion-tab-heading\">2022<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-f7fdf9e3001c7e79a25\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"20005300\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.01\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9943000\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2021\" href=\"#tab-dcf79f3043c7401056f\"><h4 class=\"fusion-tab-heading\">2021<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-dcf79f3043c7401056f\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"19249200\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.95\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9854200\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2020\" href=\"#tab-dcbf236b507ca9d51dc\"><h4 class=\"fusion-tab-heading\">2020<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-dcbf236b507ca9d51dc\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"18767144\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.92\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9782340\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2019\" href=\"#tab-d117007e2322d712bb7\"><h4 class=\"fusion-tab-heading\">2019<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-d117007e2322d712bb7\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"19189213\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.97\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9740080\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2018\" href=\"#tab-30881372c724cee8b58\"><h4 class=\"fusion-tab-heading\">2018<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-30881372c724cee8b58\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"18701101\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.94\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9622520\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2017\" href=\"#tab-168d6a2657ebf059d1a\"><h4 class=\"fusion-tab-heading\">2017<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-168d6a2657ebf059d1a\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"18126900\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.91\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9514800\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2016\" href=\"#tab-67ed797bf9268725c86\"><h4 class=\"fusion-tab-heading\">2016<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-67ed797bf9268725c86\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"17518426\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.86\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9409170\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2015\" href=\"#tab-3601d369dbace879a65\"><h4 class=\"fusion-tab-heading\">2015<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-3601d369dbace879a65\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"17017314\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.83\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9304550\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2014\" href=\"#tab-7b16bca06ee3696c2b5\"><h4 class=\"fusion-tab-heading\">2014<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-7b16bca06ee3696c2b5\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"16491700\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.79\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9201080\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2013\" href=\"#tab-c576539494bf610cf28\"><h4 class=\"fusion-tab-heading\">2013<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-c576539494bf610cf28\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"16227700\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.79\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"9065830\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2012\" href=\"#tab-67c329fe1cb67f6f33b\"><h4 class=\"fusion-tab-heading\">2012<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-67c329fe1cb67f6f33b\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"16738600\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.88\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8920000\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2011\" href=\"#tab-9892fd3a84dd3758a97\"><h4 class=\"fusion-tab-heading\">2011<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-9892fd3a84dd3758a97\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"17326300\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"1.97\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8805200\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2010\" href=\"#tab-f95d8f18fbb28aa9074\"><h4 class=\"fusion-tab-heading\">2010<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-f95d8f18fbb28aa9074\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"17581900\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.03\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8671020\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2009\" href=\"#tab-731570b22bd3297bb1f\"><h4 class=\"fusion-tab-heading\">2009<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-731570b22bd3297bb1f\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2009\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"17916800\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.10\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8531930\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2008\" href=\"#tab-9c6ce47c4f1abf6fec1\"><h4 class=\"fusion-tab-heading\">2008<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-9c6ce47c4f1abf6fec1\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2008\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"19005600\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.27\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8390800\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2007\" href=\"#tab-4b8d904f31ba1e98936\"><h4 class=\"fusion-tab-heading\">2007<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-4b8d904f31ba1e98936\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2007\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"19152300\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.31\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8273940\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-2006\" href=\"#tab-97b94ba89e5572c0a5d\"><h4 class=\"fusion-tab-heading\">2006<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" id=\"tab-97b94ba89e5572c0a5d\">\n<div class=\"fusion-counters-box counters-box row fusion-clearfix fusion-columns-3\" id=\"cb2006\"><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-male fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"18596300\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">AFILIATS<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-percentage fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"2.28\" data-delimiter=\",\" data-direction=\"up\" data-decimals=\"2\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">R\u00c0TIO<\/div><\/div><\/div><div class=\"fusion-counter-box fusion-column col-counter-box counter-box-wrapper col-lg-4 col-md-4 col-sm-4 fusion-counter-box-icon-top\" data-animationOffset=\"100%\"><div class=\"counter-box-container\" style=\"border: 1px solid rgba(226,226,226,0);\"><div class=\"content-box-percentage content-box-counter\" style=\"color:#ff9800;font-size:50px;line-height:normal;\"><i class=\"counter-box-icon fontawesome-icon fa-blind fas\" style=\"font-size:50px;\"><\/i><span class=\"display-counter\" data-value=\"8165340\" data-delimiter=\".\" data-direction=\"up\" data-decimals=\"0\">0<\/span><\/div><div class=\"counter-box-content\" style=\"color:#4a4e57;font-size:14px;\">PENSIONS<\/div><\/div><\/div><\/div><div class=\"clearfix\"><\/div>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-32 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-32 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-32 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-32 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-32 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-32 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-32 .fusion-popover, .fusion-fullwidth.fusion-builder-row-32 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-32 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-33 fusion-parallax-none esp_video nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-82 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-63{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-63 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;EXPLICA COM FUNCIONA EL SISTEMA DE REPARTIMENT<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-83 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-25 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-84 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ghnSZSd5VPQ ?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-33 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-33 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-33 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-33 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-33 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-33 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-33 .fusion-popover, .fusion-fullwidth.fusion-builder-row-33 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-33 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-34 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #fff0dd;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_4 fusion-builder-column-85 fusion-three-fourth fusion-column-first 3_4\"  style='margin-top:0px;margin-bottom:20px;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-64{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-64 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">QUINS FACTORS PODEN DEBILITAR EL SISTEMA DE REPARTIMENT?<\/h3><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;\"><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-nested-column-1 fusion-one-third fusion-column-first 1_3\"  style='margin-top: 0px;margin-bottom: 20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right:4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper fusion-column-wrapper-1\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-6 fb-icon-element fontawesome-icon fa-baby-carriage fas circle-no\" style=\"font-size:50px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-6{ color: #03a9f4;}i.fontawesome-icon.fb-icon-element-6:hover { color: #03a9f4;}<\/style><div class=\"fusion-text\"><h4>Demogr\u00e0fics<\/h4>\n<ul>\n<li>Baixa natalitat<\/li>\n<li>Augment de la longevitat<\/li>\n<\/ul>\n<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-nested-column-2 fusion-one-third 1_3\"  style='margin-top: 0px;margin-bottom: 20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );margin-right:4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper fusion-column-wrapper-2\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-7 fb-icon-element fontawesome-icon fa-coins fas circle-no\" style=\"font-size:50px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-7{ color: #03a9f4;}i.fontawesome-icon.fb-icon-element-7:hover { color: #03a9f4;}<\/style><div class=\"fusion-text\"><h4>Econ\u00f2mics<\/h4>\n<ul>\n<li>Devaluaci\u00f3 salarial<\/li>\n<li>Precarietat laboral<\/li>\n<\/ul>\n<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-nested-column-3 fusion-one-third fusion-column-last 1_3\"  style='margin-top: 0px;margin-bottom: 20px;width:33.33%;width:calc(33.33% - ( ( 4% + 4% ) * 0.3333 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper fusion-column-wrapper-3\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-8 fb-icon-element fontawesome-icon fa-cogs fas circle-no\" style=\"font-size:50px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-8{ color: #03a9f4;}i.fontawesome-icon.fb-icon-element-8:hover { color: #03a9f4;}<\/style><div class=\"fusion-text\"><h4>Estructurals<\/h4>\n<ul>\n<li><strong>Baixa<\/strong> edat de jubilaci\u00f3<\/li>\n<li><strong>Insuficient<\/strong> tipus de cotitzaci\u00f3<\/li>\n<\/ul>\n<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.6 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-86 fusion-one-fourth fusion-column-last fusion-animated 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><span class=\"fusion-imageframe imageframe-none imageframe-26 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/desastre.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/desastre.png\" width=\"400\" height=\"600\" alt=\"\" title=\"desastre\" class=\"lazyload img-responsive wp-image-345\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27400%27%20height%3D%27600%27%20viewBox%3D%270%200%20400%20600%27%3E%3Crect%20width%3D%27400%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/desastre-200x300.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/desastre.png 400w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 400px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-34 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-34 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-34 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-34 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-34 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-34 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-34 .fusion-popover, .fusion-fullwidth.fusion-builder-row-34 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-34 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-35 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #fff0dd;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:15%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-87 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg5\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-9 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-9{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-9:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-35 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-35 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-35 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-35 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-35 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-35 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-35 .fusion-popover, .fusion-fullwidth.fusion-builder-row-35 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-35 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg5\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-36 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #f4847c;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/DIAPO5.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-88 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-65{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-65 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#000000;\"><span class=\"fusion-dropcap dropcap\">5<\/span> Qu\u00e8 \u00e9s el segon pilar de la previsi\u00f3 social?<\/p><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-89 fusion-one-fourth 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-90 fusion-one-fourth fusion-column-last 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-36 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-36 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-36 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-36 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-36 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-36 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-36 .fusion-popover, .fusion-fullwidth.fusion-builder-row-36 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-36 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-37 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-91 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-66{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-66 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">\u00c9s el que es constitueix a les empreses <strong>a favor dels seus treballadors<\/strong>, com a sistema complementari a la pensi\u00f3 p\u00fablica<\/h3><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#e2e2e2;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:20px;margin-bottom:20px;\"><span class=\"icon-wrapper\" style=\"border-color:#e2e2e2;background-color:rgba(255,255,255,0);width: calc(16px * 2 );height: calc(16px * 2 );border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-coins fas\" style=\"color:#e2e2e2;font-size:16px;\"><\/i><\/span><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-67{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-67 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:15px;\"><h4 class=\"title-heading-left\" style=\"margin:0;\">Aquest pilar \u00e9s el que es coneix com a previsi\u00f3 social empresarial.<\/h4><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-92 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><span class=\"fusion-imageframe imageframe-none imageframe-27 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa.png\" width=\"800\" height=\"510\" alt=\"\" title=\"empresa\" class=\"lazyload img-responsive wp-image-359\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27800%27%20height%3D%27510%27%20viewBox%3D%270%200%20800%20510%27%3E%3Crect%20width%3D%27800%27%20height%3D%273510%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa-200x128.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa-400x255.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa-600x383.png 600w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/empresa.png 800w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 600px\" \/><\/span><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInLeft data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-93 fusion-one-half fusion-column-first fusion-animated 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"background-color:#03a9f4;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-68{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-68 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">\u00c9s voluntari en els pa\u00efsos en els que el primer pilar es basa en el model de <strong>Bismarck<\/strong> (sistema de protecci\u00f3 obligat\u00f2ria finan\u00e7ada mitjan\u00e7ant contribucions tant de l\u2019empleat com de l\u2019ocupador).<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-94 fusion-one-half fusion-column-last fusion-animated 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"background-color:#8bc34a;padding: 20px 20px 20px 20px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-69{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-69 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">\u00c9s obligatori en els pa\u00efsos en els que el primer pilar segueix el model de <strong>Beveridge<\/strong> (basat en el reconeixement universal d\u2019un m\u00ednim vital finan\u00e7at a c\u00e0rrec dels pressupostos generals).<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-37 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-37 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-37 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-37 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-37 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-37 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-37 .fusion-popover, .fusion-fullwidth.fusion-builder-row-37 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-37 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-38 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-95 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-70{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-70 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;EXPLICA LES PRINCIPALS CARACTER\u00cdSTIQUES DEL SEGON PILAR DE LA PREVISI\u00d3 SOCIAL<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-96 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-28 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-97 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/v8lQorEYjh0?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-38 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-38 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-38 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-38 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-38 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-38 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-38 .fusion-popover, .fusion-fullwidth.fusion-builder-row-38 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-38 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-39 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-98 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-71{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-71 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">ELS INSTRUMENTS DE PREVISI\u00d3 SOCIAL S\u00d3N<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-99 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-72{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-72 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:15px;\"><h4 class=\"title-heading-left\" style=\"margin:0;\"><ul>\n<li>Pla de pensions<\/li>\n<li>Asseguran\u00e7a col\u00b7lectiva que instrumenti compromisos per pensions<\/li>\n<li>Mutualitat de previsi\u00f3 social<\/li>\n<li>Pla de previsi\u00f3 social empresarial<\/li>\n<\/ul><\/h4><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-100 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">#fusion-chart-18{background-color: rgba(255,255,255,0);}#fusion-chart-18{padding: 0 0 0 0;}#fusion-chart-18 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-18 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-18 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}<\/style><div id=\"fusion-chart-18\" class=\"fusion-chart legend-bottom\" data-type=\"doughnut\" data-chart_legend_position=\"bottom\" data-x_axis_labels=\"Tenen|No tenen|NS\/NC\" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#8bc34a|#ff9800\" data-border_colors=\"#00bcd4|#8bc34a|#ff9800\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"Data Set 1\" data-values=\"21|35|44\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><h4 class=\"fusion-chart-title\">Empreses i Previsi\u00f3 social empresarial a Catalunya<\/h4><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><div class=\"fusion-chart-legend-wrap\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-101 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">#fusion-chart-19{background-color: rgba(255,255,255,0);}#fusion-chart-19{padding: 0 0 0 0;}#fusion-chart-19 .fusion-chart-legend-wrap li:nth-child(1) span{color: #ffffff;}#fusion-chart-19 .fusion-chart-legend-wrap li:nth-child(2) span{color: #ffffff;}#fusion-chart-19 .fusion-chart-legend-wrap li:nth-child(3) span{color: #ffffff;}#fusion-chart-19 .fusion-chart-legend-wrap li:nth-child(4) span{color: #ffffff;}<\/style><div id=\"fusion-chart-19\" class=\"fusion-chart legend-bottom\" data-type=\"doughnut\" data-chart_legend_position=\"bottom\" data-x_axis_labels=\"Pla de pensions|Segur col\u00b7lectiu|Mutualitat de previsi\u00f3 social|PPSE\" data-y_axis_label=\"%\" data-show_tooltips=\"yes\" data-bg_colors=\"#00bcd4|#8bc34a|#ff9800|#e91e63\" data-border_colors=\"#00bcd4|#8bc34a|#ff9800|#e91e63\" data-border_size=\"1\" data-border_type=\"smooth\" data-chart_fill=\"off\" data-chart_point_style=\"circle\" data-chart_point_size=\"3\" data-chart_axis_text_color=\"#4a4e57\" data-chart_gridline_color=\"rgba(0,0,0,0.1)\"><div class=\"fusion-chart-dataset\" data-label=\"Sistemas\" data-values=\"59|21|7|13\" data-background_color=\"#00bcd4\" data-border_color=\"#00bcd4\"><\/div><h4 class=\"fusion-chart-title\">Empreses i Tipus de PSC a Catalunya<\/h4><div class=\"fusion-chart-inner\"><div class=\"fusion-chart-wrap\"><canvas><\/canvas><\/div><div class=\"fusion-chart-legend-wrap\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-39 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-39 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-39 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-39 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-39 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-39 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-39 .fusion-popover, .fusion-fullwidth.fusion-builder-row-39 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-39 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-40 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #fcd707;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-102 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-73{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-73 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:10px;margin-bottom:15px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#000000;\">SITUACI\u00d3 DELS PLANS DE PENSIONS D&#8217;OCUPACI\u00d3 A ESPANYA<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-103 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-74{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-74 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\"><p>Nom\u00e9s <strong>15.065 empreses<\/strong> de les <strong>1.332.390<\/strong> existents tenen pla de pensions d\u2019ocupaci\u00f3 (PPO), \u00e9s a dir, el <strong>1,13%.<\/strong><\/p>\n<p>En el seu conjunt aquests PPO donen cobertura al <strong>13,61% dels treballadors.<\/strong><\/p><\/h5><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#000000;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:10px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-75{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-75 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">El nombre de pimes amb PPO \u00e9s d&#8217;un <strong>1,08%,<\/strong> mentre que el percentatge incrementa al <strong>14,34% en les grans empreses.<\/strong><\/h5><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#000000;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:10px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-76{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-76 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;\">Nom\u00e9s un<strong> 2,17%<\/strong> dels treballadors de pimes tenen PPO, percentatge molt inferior al <strong>31,04% dels treballadors de grans empreses<\/strong> que s\u00f3n part\u00edcips d\u2019un PPO.<\/h5><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  data-animationType=slideInRight data-animationDuration=0.3 data-animationOffset=100% class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-104 fusion-one-half fusion-column-last fusion-animated 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-29 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/nopuedeser.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/nopuedeser.png\" width=\"457\" height=\"470\" alt=\"\" title=\"nopuedeser\" class=\"lazyload img-responsive wp-image-401\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27457%27%20height%3D%27470%27%20viewBox%3D%270%200%20457%20470%27%3E%3Crect%20width%3D%27457%27%20height%3D%273470%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/nopuedeser-200x206.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/nopuedeser-400x411.png 400w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/nopuedeser.png 457w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 457px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-40 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-40 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-40 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-40 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-40 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-40 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-40 .fusion-popover, .fusion-fullwidth.fusion-builder-row-40 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-40 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-41 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-105 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-77{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-77 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">EL NOSTRE EXPERT T&#8217;HO EXPLICA<\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-106 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-30 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-107 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/b5Ns55t2mlU?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-41 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-41 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-41 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-41 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-41 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-41 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-41 .fusion-popover, .fusion-fullwidth.fusion-builder-row-41 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-41 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-42 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:15%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-108 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-text\"><p><a class=\"fusion-button\" href=\"#preg6\" target=\"_self\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-10 fb-icon-element fontawesome-icon fa-arrow-down fas circle-yes\" style=\"font-size:26.4px;line-height:50.8px;height:52.8px;width:52.8px;border-width:1px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-10{ color: #ffffff; background-color: #4a4e57; border-color: #4a4e57;}i.fontawesome-icon.fb-icon-element-10:hover { color: #ffffff; background-color: #65bc7b; border-color: #65bc7b;}<\/style><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-42 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-42 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-42 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-42 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-42 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-42 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-42 .fusion-popover, .fusion-fullwidth.fusion-builder-row-42 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-42 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div id=\"preg6\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-43 fusion-parallax-none nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\"  style='background-color: #03a9f4;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/DIAPO6.png\"><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-109 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-78{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-78 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ff9800;\"><span class=\"fusion-dropcap dropcap\">6<\/span> Qu\u00e8 \u00e9s el tercer pilar de la previsi\u00f3 social?<\/p><\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-110 fusion-one-fourth 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-111 fusion-one-fourth fusion-column-last 1_4\"  style='margin-top:0px;margin-bottom:20px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-43 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-43 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-43 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-43 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-43 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-43 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-43 .fusion-popover, .fusion-fullwidth.fusion-builder-row-43 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-43 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-44 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(139,195,74,0.33);background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-112 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-79{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-79 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#f44336;\">EL TERCER PILAR DEL MODEL EUROPEU DE PREVISI\u00d3 SOCIAL<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-113 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-80{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-80 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:15px;\"><h5 class=\"title-heading-left\" style=\"margin:0;color:#000000;\">\u00c9s sempre voluntari i es basa en la decisi\u00f3 individual de cada persona de destinar un part de la seva riquesa a l\u2019estalvi per complementar la pensi\u00f3 p\u00fablica de jubilaci\u00f3.<\/h5><\/div><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-31 hover-type-none fusion-animated\" data-animationType=\"slideInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png\" width=\"300\" height=\"300\" alt=\"\" title=\"par3\" class=\"lazyload img-responsive wp-image-248\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27300%27%20viewBox%3D%270%200%20300%20300%27%3E%3Crect%20width%3D%27300%27%20height%3D%273300%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3-200x200.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/par3.png 300w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-114 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/kpCzIguMNwI?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-44 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-44 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-44 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-44 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-44 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-44 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-44 .fusion-popover, .fusion-fullwidth.fusion-builder-row-44 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-44 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-45 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:5%;padding-right:0px;padding-bottom:5%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;' data-bg=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/video_fondo.png\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-115 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-81{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-81 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:15px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">QUALSEVOL FORMA D&#8217;ESTALVI ES CONSIDERA INCLOSA EN EL TERCER PILAR?<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-116 fusion-one-half fusion-column-first fusion-no-small-visibility 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:200px;\" class=\"fusion-imageframe imageframe-none imageframe-32 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" data-orig-src=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png\" width=\"258\" height=\"600\" alt=\"\" title=\"asistente\" class=\"lazyload img-responsive wp-image-378\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27258%27%20height%3D%27600%27%20viewBox%3D%270%200%20258%20600%27%3E%3Crect%20width%3D%27258%27%20height%3D%273600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente-200x465.png 200w, https:\/\/www.ub.edu\/educaciofinancera\/wp-content\/uploads\/2025\/01\/asistente.png 258w\" data-sizes=\"auto\" data-orig-sizes=\"auto, (max-width: 800px) 100vw, 258px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-117 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-video fusion-youtube fusion-aligncenter\" style=\"max-width:270px;max-height:480px; width:100%\"><div class=\"video-shortcode\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/RYmOenwwPcE?wmode=transparent&autoplay=0\" width=\"270\" height=\"480\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-45 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-45 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-45 .fusion-filters .fusion-filter.fusion-active a {border-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-45 .pagination .current {border-color: #03a9f4; background-color: #03a9f4;}.fusion-fullwidth.fusion-builder-row-45 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-45 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-45 .fusion-popover, .fusion-fullwidth.fusion-builder-row-45 .tooltip-shortcode {color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-45 .post .blog-shortcode-post-title a:hover {color: #03a9f4;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-46 nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-118 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-82{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-82 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:15px;\"><h1 class=\"title-heading-center\" style=\"margin:0;letter-spacing:5px;\">GR\u00c0CIES<\/h1><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-46 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-46 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-46 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #212934;}.fusion-fullwidth.fusion-builder-row-46 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-46 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-46 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{color: #03a9f4;}#main .fusion-fullwidth.fusion-builder-row-46 .post .blog-shortcode-post-title a:hover {color: 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