.dineroahora-channels {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.dineroahora-channel {
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-l);
    padding: 34px 32px;
    box-shadow: var(--dineroahora-shadow-s);
    transition: transform 0.35s var(--dineroahora-ease), box-shadow 0.35s var(--dineroahora-ease), border-color 0.35s var(--dineroahora-ease);
}

.dineroahora-channel:hover {
    transform: translateY(-8px);
    border-color: rgba(22, 104, 255, 0.4);
    box-shadow: var(--dineroahora-shadow-m);
}

.dineroahora-channel h3 { margin-bottom: 10px; }
.dineroahora-channel p { font-size: 0.94rem; margin-bottom: 16px; }

.dineroahora-channel a,
.dineroahora-channel > span {
    display: block;
    font-family: var(--dineroahora-font-display);
    font-size: 0.98rem;
    font-weight: 600;
    color: var(--dineroahora-ink);
    word-break: break-word;
}

.dineroahora-channel a:hover { color: var(--dineroahora-blue); }

.dineroahora-contact {
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
    gap: clamp(32px, 5vw, 66px);
    align-items: start;
}

.dineroahora-contact-hints {
    margin-top: 30px;
    display: grid;
    gap: 14px;
}

.dineroahora-contact-hints li {
    display: flex;
    gap: 13px;
    align-items: flex-start;
    font-size: 0.95rem;
    color: var(--dineroahora-text);
}

.dineroahora-contact-hints i {
    color: var(--dineroahora-mint);
    margin-top: 5px;
    font-size: 0.9rem;
}

.dineroahora-form {
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-l);
    padding: clamp(30px, 4vw, 46px);
    box-shadow: var(--dineroahora-shadow-m);
}

.dineroahora-form-row { margin-bottom: 22px; }

.dineroahora-form-row label {
    display: block;
    font-family: var(--dineroahora-font-display);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--dineroahora-muted);
    margin-bottom: 10px;
}

.dineroahora-form-row input,
.dineroahora-form-row select,
.dineroahora-form-row textarea {
    width: 100%;
    padding: 15px 18px;
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-m);
    background: var(--dineroahora-paper);
    font-size: 0.97rem;
    transition: border-color 0.25s var(--dineroahora-ease), box-shadow 0.25s var(--dineroahora-ease), background 0.25s var(--dineroahora-ease);
}

.dineroahora-form-row textarea { resize: vertical; min-height: 130px; }

.dineroahora-form-row input:focus,
.dineroahora-form-row select:focus,
.dineroahora-form-row textarea:focus {
    outline: none;
    background: var(--dineroahora-white);
    border-color: var(--dineroahora-blue);
    box-shadow: 0 0 0 4px rgba(22, 104, 255, 0.13);
}

.dineroahora-form-row input::placeholder,
.dineroahora-form-row textarea::placeholder { color: #9aa8bf; }

.dineroahora-form-feedback {
    margin-top: 18px;
    font-size: 0.92rem;
    min-height: 22px;
}

.dineroahora-form-ok { color: #087f57; }
.dineroahora-form-error { color: #c0392b; }

.dineroahora-faq {
    display: grid;
    gap: 12px;
}

.dineroahora-faq-item {
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-m);
    overflow: hidden;
    transition: border-color 0.3s var(--dineroahora-ease), box-shadow 0.3s var(--dineroahora-ease);
}

.dineroahora-faq-item:hover { border-color: rgba(22, 104, 255, 0.4); }

.dineroahora-faq-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 24px 28px;
    cursor: pointer;
}

.dineroahora-faq-head h4 {
    font-size: 1.05rem;
    transition: color 0.25s var(--dineroahora-ease);
}

.dineroahora-faq-head i {
    flex: none;
    width: 34px;
    height: 34px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--dineroahora-paper);
    color: var(--dineroahora-blue);
    font-size: 0.8rem;
    transition: transform 0.35s var(--dineroahora-ease), background 0.3s var(--dineroahora-ease), color 0.3s var(--dineroahora-ease);
}

.dineroahora-faq-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.45s var(--dineroahora-ease), padding 0.45s var(--dineroahora-ease);
    padding: 0 28px;
}

.dineroahora-faq-body p { font-size: 0.96rem; }

.dineroahora-faq-open { border-color: var(--dineroahora-blue); box-shadow: var(--dineroahora-shadow-s); }
.dineroahora-faq-open .dineroahora-faq-head h4 { color: var(--dineroahora-blue); }

.dineroahora-faq-open .dineroahora-faq-head i {
    transform: rotate(135deg);
    background: var(--dineroahora-blue);
    color: var(--dineroahora-white);
}

.dineroahora-faq-open .dineroahora-faq-body {
    max-height: 320px;
    padding: 0 28px 26px;
}

.dineroahora-legal {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: clamp(32px, 5vw, 66px);
    align-items: center;
}

.dineroahora-legal-copy p { margin-top: 18px; font-size: 1rem; }

.dineroahora-legal-list {
    display: grid;
    gap: 14px;
}

.dineroahora-legal-list li {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 20px 24px;
    border: 1px solid var(--dineroahora-line-dark);
    border-radius: var(--dineroahora-radius-m);
    background: rgba(255, 255, 255, 0.04);
    transition: border-color 0.3s var(--dineroahora-ease), transform 0.3s var(--dineroahora-ease);
}

.dineroahora-legal-list li:hover {
    border-color: rgba(246, 180, 35, 0.55);
    transform: translateX(8px);
}

.dineroahora-legal-list i {
    color: var(--dineroahora-gold);
    font-size: 1.05rem;
    margin-top: 4px;
}

.dineroahora-legal-list span {
    font-size: 0.95rem;
    color: var(--dineroahora-muted-dark);
}

@media (max-width: 1024px) {
    .dineroahora-channels { grid-template-columns: 1fr; }
    .dineroahora-contact { grid-template-columns: 1fr; }
    .dineroahora-legal { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
    .dineroahora-faq-head { padding: 20px 22px; }
    .dineroahora-faq-body { padding: 0 22px; }
    .dineroahora-faq-open .dineroahora-faq-body { padding: 0 22px 22px; max-height: 420px; }
    .dineroahora-legal-list li:hover { transform: none; }
}