/* =========================================================
   Modern River Point — components.css
   ========================================================= */

/* ---------- buttons ---------- */
.btn { display:inline-flex; align-items:center; justify-content:center; gap:.5rem;
  padding:.85rem 1.5rem; border-radius:var(--radius-pill); font-weight:600; font-size:.98rem;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s; white-space:nowrap; }
.btn svg{ width:1.05em; height:1.05em; }
.btn-primary { background:var(--brand); color:#fff; box-shadow:0 10px 22px -12px rgba(12,107,125,.85); }
.btn-primary:hover { background:var(--brand-deep); transform:translateY(-2px); }
.btn-save { background:var(--save); color:#fff; box-shadow:0 10px 22px -12px rgba(15,157,110,.85); }
.btn-save:hover { background:var(--save-deep); transform:translateY(-2px); }
.btn-ink { background:var(--ink); color:#fff; }
.btn-ink:hover { background:var(--ink-2); transform:translateY(-2px); }
.btn-ghost { background:var(--surface); color:var(--ink); border:1.5px solid var(--line); }
.btn-ghost:hover { border-color:var(--brand); color:var(--brand-deep); transform:translateY(-2px); }
.btn-ghost.on-dark { background:transparent; color:#fff; border-color:rgba(255,255,255,.3); }
.btn-ghost.on-dark:hover { border-color:#6fd0c4; color:#6fd0c4; }
.btn-lg { padding:1rem 1.9rem; font-size:1.04rem; }
.btn-sm { padding:.55rem 1rem; font-size:.88rem; }
.btn-block { width:100%; }

/* ---------- category grid ---------- */
.cat-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:1rem; }
.cat-card { position:relative; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.5rem 1.4rem; overflow:hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; display:flex; flex-direction:column; min-height:200px; }
.cat-card:hover { transform:translateY(-6px); box-shadow:var(--shadow-lg); border-color:transparent; }
.cat-ico { width:50px;height:50px;border-radius:13px; display:grid;place-items:center; margin-bottom:1.1rem; background:var(--brand-tint); color:var(--brand-deep); }
.cat-ico svg{ width:25px;height:25px; }
.cat-card h3 { font-size:1.18rem; line-height:1.15; }
.cat-card p { color:var(--muted); font-size:.88rem; margin-top:.45rem; flex:1; }
.cat-card .go { margin-top:1rem; font-family:var(--mono); font-size:.8rem; color:var(--brand-deep); display:inline-flex; align-items:center; gap:.35rem; font-weight:600; }
.cat-card .go svg{ width:14px;height:14px; transition:transform .3s var(--ease); }
.cat-card:hover .go svg{ transform:translateX(4px); }

/* ---------- comparison cards (financial dashboard) ---------- */
.compare-stack { display:grid; gap:1rem; }
.cmp {
  display:grid; grid-template-columns: 1.6fr 1fr 1fr auto; gap:1.5rem; align-items:center;
  background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.4rem 1.6rem;
  transition: box-shadow .3s var(--ease), transform .3s var(--ease), border-color .3s; position:relative;
}
.cmp:hover { box-shadow:var(--shadow); transform:translateY(-3px); }
.cmp.pick { border-color:var(--save); box-shadow:0 0 0 1px var(--save); }
.cmp .pick-flag { position:absolute; top:-11px; left:1.6rem; background:var(--save); color:#fff; font-family:var(--mono); font-size:.68rem; font-weight:600; letter-spacing:.06em; text-transform:uppercase; padding:.2rem .6rem; border-radius:var(--radius-pill); }
.cmp-provider { display:flex; align-items:center; gap:.95rem; }
.cmp-logo { width:48px;height:48px;border-radius:11px; flex:none; display:grid;place-items:center; font-family:var(--display); font-weight:600; font-size:1.25rem; color:#fff; }
.cmp-name h3 { font-size:1.12rem; }
.cmp-name .plan { color:var(--muted); font-size:.86rem; }
.cmp-rating { display:flex; align-items:center; gap:.3rem; margin-top:.25rem; font-size:.8rem; color:var(--muted); }
.cmp-rating .stars { color:var(--gold); letter-spacing:.5px; }
.cmp-feat { display:flex; flex-wrap:wrap; gap:.4rem; }
.cmp-feat span { font-size:.76rem; background:var(--surface-2); border:1px solid var(--line); color:var(--ink-2); padding:.25rem .55rem; border-radius:var(--radius-pill); }
.cmp-price { text-align:right; }
.cmp-price .amt { font-family:var(--mono); font-weight:600; font-size:1.5rem; color:var(--ink); letter-spacing:-.02em; }
.cmp-price .per { color:var(--muted-2); font-size:.78rem; font-family:var(--mono); }
.cmp-price .save { display:inline-block; margin-top:.35rem; font-family:var(--mono); font-size:.76rem; font-weight:600; color:var(--save-deep); background:var(--save-tint); padding:.2rem .5rem; border-radius:var(--radius-pill); }
.cmp-action { display:flex; flex-direction:column; gap:.4rem; align-items:stretch; }

/* filter rail */
.filter-rail { position:sticky; top:90px; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.5rem; }
.filter-rail h3 { font-size:1.1rem; margin-bottom:.4rem; }
.filter-rail .fg { margin-top:1.3rem; }
.filter-rail .fg > label { display:block; font-family:var(--mono); font-size:.74rem; letter-spacing:.08em; text-transform:uppercase; color:var(--muted); margin-bottom:.6rem; }
.chip-row { display:flex; flex-wrap:wrap; gap:.45rem; }
.chip { font-size:.85rem; padding:.4rem .8rem; border-radius:var(--radius-pill); border:1.5px solid var(--line); background:var(--surface); color:var(--ink-2); transition:.2s; font-weight:500; }
.chip:hover { border-color:var(--brand); color:var(--brand-deep); }
.chip.active { background:var(--brand); border-color:var(--brand); color:#fff; }
.range-out { font-family:var(--mono); font-weight:600; color:var(--brand-deep); font-size:.95rem; }
input[type=range] { width:100%; accent-color:var(--brand); margin-top:.5rem; }
.check-row { display:flex; align-items:center; gap:.6rem; padding:.4rem 0; font-size:.94rem; color:var(--ink-2); cursor:pointer; }
.check-row input { width:18px;height:18px; accent-color:var(--brand); }
.sort-bar { display:flex; align-items:center; justify-content:space-between; gap:1rem; margin-bottom:1.3rem; flex-wrap:wrap; }
.sort-bar .count { font-family:var(--mono); font-size:.86rem; color:var(--muted); }
.sort-bar .sort-ctl { display:flex; align-items:center; gap:.5rem; font-size:.9rem; }
.sort-bar select { font:inherit; font-size:.9rem; padding:.5rem .8rem; border:1.5px solid var(--line); border-radius:8px; background:var(--surface); color:var(--ink); }
.no-results { display:none; text-align:center; padding:3rem 1rem; color:var(--muted); background:var(--surface); border:1px dashed var(--line); border-radius:var(--radius-lg); }
.no-results.show { display:block; }

/* estimated savings block */
.savings-block { background: linear-gradient(150deg, var(--save-tint), #fff); border:1px solid rgba(15,157,110,.25); border-radius:var(--radius-lg); padding:1.8rem 2rem; display:flex; align-items:center; justify-content:space-between; gap:1.5rem; flex-wrap:wrap; }
.savings-block .lbl { font-family:var(--mono); font-size:.78rem; letter-spacing:.08em; text-transform:uppercase; color:var(--save-deep); }
.savings-block .big { font-family:var(--mono); font-weight:600; font-size:clamp(2rem,5vw,2.8rem); color:var(--save-deep); letter-spacing:-.02em; }
.savings-block p { color:var(--ink-2); font-size:.95rem; max-width:42ch; margin-top:.3rem; }

/* provider explainer cards */
.exp-cards { display:grid; grid-template-columns:repeat(3,1fr); gap:1.2rem; }
.exp-card { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.6rem; }
.exp-card .ei { width:42px;height:42px;border-radius:11px; background:var(--brand-tint); color:var(--brand-deep); display:grid;place-items:center; margin-bottom:.9rem; }
.exp-card .ei svg{ width:21px;height:21px; }
.exp-card h3 { font-size:1.15rem; }
.exp-card p { color:var(--muted); font-size:.93rem; margin-top:.4rem; }

/* related categories */
.related { display:grid; grid-template-columns:repeat(4,1fr); gap:1rem; }
.related a { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius); padding:1.2rem; transition:transform .3s, box-shadow .3s, border-color .3s; }
.related a:hover { transform:translateY(-4px); box-shadow:var(--shadow); border-color:transparent; }
.related .ri { width:40px;height:40px;border-radius:10px; background:var(--brand-tint); color:var(--brand-deep); display:grid;place-items:center; margin-bottom:.7rem; }
.related .ri svg{ width:20px;height:20px; }
.related h4 { font-size:1.02rem; } .related p{ color:var(--muted); font-size:.83rem; margin-top:.2rem; }

/* ---------- editorial article cards ---------- */
.insights { display:grid; grid-template-columns:repeat(2,1fr); gap:1.4rem; }
.insight { display:grid; grid-template-columns:130px 1fr; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); overflow:hidden; transition:transform .35s var(--ease), box-shadow .35s var(--ease); }
.insight:hover { transform:translateY(-4px); box-shadow:var(--shadow-lg); }
.insight .thumb { position:relative; }
.insight .thumb .ph { position:absolute; inset:0; }
.insight .body { padding:1.4rem 1.5rem; }
.insight .cat { font-family:var(--mono); font-size:.72rem; letter-spacing:.06em; text-transform:uppercase; color:var(--brand-deep); font-weight:600; }
.insight h3 { font-size:1.18rem; margin-top:.4rem; line-height:1.2; }
.insight .meta { margin-top:.8rem; font-family:var(--mono); font-size:.78rem; color:var(--muted-2); display:flex; gap:.7rem; align-items:center; }
.insight .meta .dot{ width:3px;height:3px;border-radius:50%; background:var(--muted-2); }

/* blog grid (full) */
.blog-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.5rem; }
.post { display:flex; flex-direction:column; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); overflow:hidden; transition:transform .35s var(--ease), box-shadow .35s var(--ease); }
.post:hover { transform:translateY(-6px); box-shadow:var(--shadow-lg); }
.post .thumb { height:170px; position:relative; }
.post .body { padding:1.5rem; display:flex; flex-direction:column; flex:1; }
.post .cat { font-family:var(--mono); font-size:.72rem; letter-spacing:.06em; text-transform:uppercase; color:var(--brand-deep); font-weight:600; }
.post h3 { font-size:1.25rem; margin-top:.5rem; line-height:1.2; }
.post p { color:var(--muted); font-size:.93rem; margin-top:.5rem; flex:1; }
.post .meta { margin-top:1rem; font-family:var(--mono); font-size:.78rem; color:var(--muted-2); display:flex; gap:.7rem; align-items:center; }
.post .meta .dot{ width:3px;height:3px;border-radius:50%; background:var(--muted-2); }

.blog-feature { display:grid; grid-template-columns:1.1fr 1fr; gap:0; background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-xl); overflow:hidden; }
.blog-feature .thumb { min-height:330px; position:relative; }
.blog-feature .body { padding:clamp(1.6rem,4vw,3rem); display:flex; flex-direction:column; justify-content:center; }
.blog-feature h2 { font-size:clamp(1.7rem,3vw,2.4rem); margin-top:.5rem; }
.blog-feature p { color:var(--muted); margin-top:.9rem; }

/* placeholder art (editorial, data-grid motif) */
.ph { background:var(--ink); }
.ph-teal{ background:linear-gradient(135deg,#0c6b7d,#0a5160); }
.ph-green{ background:linear-gradient(135deg,#0f9d6e,#0b7d57); }
.ph-navy{ background:linear-gradient(135deg,#15324a,#0e2233); }
.ph-gold{ background:linear-gradient(135deg,#e8a519,#c8860c); }
.ph-mix{ background:linear-gradient(135deg,#0c6b7d,#15324a); }
.ph-plum{ background:linear-gradient(135deg,#5b4b8a,#3c2f63); }
.ph-grid{ position:absolute; inset:0; opacity:.16; background-image:linear-gradient(rgba(255,255,255,.5) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.5) 1px,transparent 1px); background-size:22px 22px; }
.ph-spark{ position:absolute; inset:0; display:grid; place-items:center; }
.ph-spark svg{ width:60%; height:50%; opacity:.9; }
.ph-ico{ position:absolute; inset:0; display:grid; place-items:center; color:rgba(255,255,255,.92); }
.ph-ico svg{ width:42px;height:42px; }

/* ---------- testimonials ---------- */
.tmls { display:grid; grid-template-columns:repeat(3,1fr); gap:1.4rem; }
.tml { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.7rem; display:flex; flex-direction:column; }
.tml .stars { color:var(--gold); letter-spacing:1px; font-size:.9rem; }
.tml blockquote { margin-top:.9rem; color:var(--ink-2); font-size:1.02rem; line-height:1.55; flex:1; }
.tml .who { display:flex; align-items:center; gap:.75rem; margin-top:1.3rem; }
.tml .who i { width:40px;height:40px;border-radius:11px; flex:none; display:grid;place-items:center; color:#fff; font-family:var(--display); font-weight:600; }
.tml .who .nm { font-weight:600; font-size:.93rem; } .tml .who .loc { color:var(--muted-2); font-size:.8rem; font-family:var(--mono); }

/* ---------- FAQ ---------- */
.faq { max-width:840px; margin-inline:auto; }
.faq-item { border-bottom:1px solid var(--line); }
.faq-q { width:100%; display:flex; align-items:center; justify-content:space-between; gap:1rem; text-align:left; padding:1.4rem 0; font-family:var(--display); font-weight:600; font-size:1.18rem; color:var(--ink); }
.faq-q .ic { width:28px;height:28px;border-radius:8px; flex:none; background:var(--brand-tint); color:var(--brand-deep); display:grid;place-items:center; position:relative; transition:transform .35s var(--ease), background .3s; }
.faq-q .ic::before,.faq-q .ic::after{ content:""; position:absolute; background:currentColor; border-radius:2px; }
.faq-q .ic::before{ width:12px;height:2px; } .faq-q .ic::after{ width:2px;height:12px; transition:transform .35s var(--ease); }
.faq-item.open .faq-q .ic{ background:var(--brand); color:#fff; } .faq-item.open .faq-q .ic::after{ transform:scaleY(0); }
.faq-a{ overflow:hidden; max-height:0; transition:max-height .4s var(--ease); }
.faq-a-inner{ padding:0 0 1.4rem; color:var(--muted); font-size:1.01rem; max-width:70ch; }

/* ---------- calculator ---------- */
.calc { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-xl); overflow:hidden; box-shadow:var(--shadow); }
.calc-tabs { display:flex; border-bottom:1px solid var(--line); background:var(--surface-2); }
.calc-tab { flex:1; padding:1.1rem 1rem; font-weight:600; font-size:.96rem; color:var(--muted); border-bottom:3px solid transparent; transition:.2s; }
.calc-tab:hover { color:var(--brand-deep); }
.calc-tab.active { color:var(--brand-deep); border-bottom-color:var(--brand); background:var(--surface); }
.calc-panel { display:none; padding:clamp(1.5rem,4vw,2.5rem); }
.calc-panel.active { display:grid; grid-template-columns:1fr 1fr; gap:var(--s-5); }
.calc-controls { display:grid; gap:1.3rem; align-content:start; }
.calc-field label { display:block; font-weight:600; font-size:.92rem; margin-bottom:.5rem; }
.calc-field .hint { font-family:var(--mono); font-size:.78rem; color:var(--muted-2); float:right; font-weight:500; }
.calc-field select, .calc-field input[type=number] { width:100%; font:inherit; font-size:1rem; padding:.8rem 1rem; border:1.5px solid var(--line); border-radius:10px; background:var(--surface-2); color:var(--ink); }
.calc-field select:focus, .calc-field input:focus { outline:none; border-color:var(--brand); background:#fff; box-shadow:0 0 0 4px rgba(12,107,125,.1); }
.calc-rangeval { display:flex; justify-content:space-between; align-items:baseline; }
.calc-rangeval .v { font-family:var(--mono); font-weight:600; color:var(--brand-deep); }
.calc-result { background:linear-gradient(160deg,var(--ink),var(--ink-2)); border-radius:var(--radius-lg); padding:2rem; color:#fff; display:flex; flex-direction:column; justify-content:center; position:relative; overflow:hidden; }
.calc-result::before{ content:""; position:absolute; top:-70px; right:-50px; width:200px;height:200px; background:radial-gradient(circle,rgba(15,157,110,.3),transparent 65%); }
.calc-result .rk { font-family:var(--mono); font-size:.76rem; letter-spacing:.1em; text-transform:uppercase; color:#6fd0c4; position:relative; }
.calc-result .rv { font-family:var(--mono); font-weight:600; font-size:clamp(2.4rem,6vw,3.4rem); letter-spacing:-.02em; margin-top:.4rem; position:relative; }
.calc-result .rsub { color:rgba(255,255,255,.7); font-size:.95rem; margin-top:.5rem; position:relative; }
.calc-result .rrow { display:flex; justify-content:space-between; padding:.7rem 0; border-top:1px solid rgba(255,255,255,.12); font-size:.92rem; position:relative; margin-top:1rem; }
.calc-result .rrow:first-of-type{ margin-top:1.5rem; }
.calc-result .rrow span:first-child{ color:rgba(255,255,255,.7); } .calc-result .rrow span:last-child{ font-family:var(--mono); font-weight:600; }
.calc-bars { display:grid; gap:.8rem; margin-top:1.2rem; position:relative; }
.calc-bar { } .calc-bar .bl{ display:flex; justify-content:space-between; font-size:.85rem; margin-bottom:.3rem; color:rgba(255,255,255,.85); }
.calc-bar .bl .bv{ font-family:var(--mono); font-weight:600; }
.calc-bar .track{ height:9px; background:rgba(255,255,255,.12); border-radius:5px; overflow:hidden; }
.calc-bar .fill{ height:100%; border-radius:5px; background:#6fd0c4; transition:width .6s var(--ease); }
.calc-bar.win .fill{ background:var(--save); }

/* ---------- forms ---------- */
.form-card { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-xl); padding:clamp(1.6rem,4vw,2.6rem); box-shadow:var(--shadow); }
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:1.1rem; }
.field-group { margin-bottom:1.1rem; display:flex; flex-direction:column; }
.field-group label { font-weight:600; font-size:.9rem; margin-bottom:.45rem; } .field-group label .req{ color:var(--danger); }
.field-group input, .field-group select, .field-group textarea { font:inherit; font-size:1rem; padding:.85rem 1rem; border:1.5px solid var(--line); border-radius:10px; background:var(--surface-2); color:var(--ink); transition:border-color .2s, box-shadow .2s, background .2s; width:100%; }
.field-group textarea { resize:vertical; min-height:140px; }
.field-group select { appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235a6b78' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 1rem center; padding-right:2.6rem; }
.field-group input:focus, .field-group select:focus, .field-group textarea:focus { outline:none; border-color:var(--brand); background:#fff; box-shadow:0 0 0 4px rgba(12,107,125,.1); }
.field-group .err-msg { color:var(--danger); font-size:.82rem; margin-top:.4rem; display:none; }
.field-group.invalid input, .field-group.invalid select, .field-group.invalid textarea { border-color:var(--danger); }
.field-group.invalid .err-msg { display:block; }
.form-success { display:none; align-items:center; gap:1rem; background:var(--save-tint); border:1px solid rgba(15,157,110,.28); border-radius:var(--radius); padding:1.2rem 1.4rem; margin-bottom:1.5rem; }
.form-success.show { display:flex; animation:pop .4s var(--ease); }
.form-success .ic { width:42px;height:42px;border-radius:50%; background:var(--save); color:#fff; display:grid;place-items:center; flex:none; }
.form-success strong{ display:block; color:var(--save-deep); } .form-success span{ font-size:.92rem; color:var(--ink-2); }
@keyframes pop{ from{opacity:0; transform:scale(.96) translateY(6px);} to{opacity:1; transform:none;} }

/* contact split */
.contact-grid { display:grid; grid-template-columns:1fr 1.15fr; gap:var(--s-6); align-items:start; }
.contact-info { display:grid; gap:1.1rem; }
.contact-line { display:flex; gap:1rem; align-items:flex-start; }
.contact-line .ci { width:46px;height:46px;border-radius:12px; background:var(--brand-tint); color:var(--brand-deep); display:grid;place-items:center; flex:none; }
.contact-line .ci svg{ width:21px;height:21px; }
.contact-line h4{ font-size:1.04rem; } .contact-line p,.contact-line a{ color:var(--muted); font-size:.95rem; margin-top:.15rem; }
.contact-line a:hover{ color:var(--brand-deep); }

/* side cards (sidebar) */
.side-card { background:var(--surface); border:1px solid var(--line); border-radius:var(--radius-lg); padding:1.6rem; }
.side-card.brand { background:linear-gradient(160deg,var(--brand),var(--brand-deep)); color:#fff; border:none; }
.side-card.brand h3{ color:#fff; } .side-card.brand p{ color:rgba(255,255,255,.8); }
.side-card h3 { font-size:1.16rem; } .side-card p{ color:var(--muted); font-size:.92rem; margin-top:.45rem; }
.side-links { margin-top:.9rem; display:grid; gap:.15rem; }
.side-links a { display:flex; align-items:center; justify-content:space-between; padding:.65rem .85rem; border-radius:9px; font-weight:500; font-size:.93rem; transition:background .2s; }
.side-links a:hover { background:var(--brand-tint); color:var(--brand-deep); }
.side-links a svg{ width:14px;height:14px; opacity:.5; }

/* methodology / steps numbered list */
.method-step { display:grid; grid-template-columns:auto 1fr; gap:1.3rem; padding:1.6rem 0; border-bottom:1px solid var(--line); }
.method-step .mn { font-family:var(--mono); font-weight:600; font-size:1.1rem; color:#fff; background:var(--brand); width:42px;height:42px;border-radius:11px; display:grid;place-items:center; }
.method-step h3 { font-size:1.25rem; } .method-step p{ color:var(--muted); margin-top:.4rem; }

/* pill tag row (used in hero / pages) */
.tagrow { display:flex; flex-wrap:wrap; gap:.5rem; margin-top:1rem; align-items:center; }
.tagrow .lbl { font-family:var(--mono); font-size:.8rem; color:var(--muted-2); }
.tagrow a { font-family:var(--mono); font-size:.82rem; color:var(--brand-deep); font-weight:600; padding:.3rem .7rem; background:var(--brand-tint); border-radius:var(--radius-pill); transition:.2s; }
.tagrow a:hover { background:var(--brand); color:#fff; }