/* BRAND COLORS */
:root {
  --tha-blue: #000080;
  --tha-red: #c80815;
  --tha-gold-dark: #a28834;
  --tha-gold-light: #c4a747;

  --text-dark: #10212b;
  --text-light: #f4f6fb;
}

/* Base reset-ish */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Baskerville", "Times New Roman", serif;
  color: var(--text-dark);
  background-color: #f5f7fa;
  line-height: 1.6;
}

/* Layout helpers */
.container {
  width: min(1120px, 100% - 2rem);
  margin-inline: auto;
}

.section {
  padding: 4rem 0;
}

.section-alt {
  background: #ffffff;
}

.section-emphasis {
  background: #f0f4ff;
}

.section-dark {
  background: var(--tha-blue);
  color: var(--text-light);
}

.section-title {
  font-size: 2rem;
  margin-bottom: 1rem;
  text-align: center;
}

.section-intro {
  text-align: center;
  max-width: 40rem;
  margin: 0 auto 2rem;
}

.center {
  text-align: center;
}

/* Header / Nav */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #ffffff;
  border-bottom: 4px solid var(--tha-blue);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 0;
}

.brand-logo {
  height: 62px;
  width: auto;
  display: block;
}

/* Nav */
.site-nav {
  display: none;
}

.site-nav ul {
  list-style: none;
  display: flex;
  gap: 1.5rem;
  padding: 0;
  margin: 0;
}

.site-nav a {
  text-decoration: none;
  font-size: 0.95rem;
  color: var(--tha-blue);
  padding-bottom: 0.25rem;
  border-bottom: 2px solid transparent;
}

.site-nav a:hover,
.site-nav a:focus-visible {
  color: var(--tha-red);
  border-bottom-color: var(--tha-red);
}

/* Nav toggle */
.nav-toggle {
  border: none;
  background: none;
  cursor: pointer;
  padding: 0.25rem;
  display: inline-flex;
  flex-direction: column;
  gap: 0.2rem;
}

.nav-toggle span {
  width: 1.5rem;
  height: 2px;
  background: #111827;
  border-radius: 999px;
}

/* Hero */
.hero {
  background: radial-gradient(circle at top left, #dbeafe, #f5f7fa);
  padding-top: 5rem;
}

.hero-inner {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  align-items: flex-start;
}

.hero-copy h1 {
  font-size: 2.2rem;
  line-height: 1.2;
  margin-bottom: 1rem;
}

.hero-subtitle {
  font-size: 1rem;
  max-width: 36rem;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.75rem;
  color: var(--tha-blue);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

.hero-panel {
  width: 100%;
}

.hero-highlight-card {
  background: #ffffff;
  border-radius: 1rem;
  padding: 1.5rem;
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.08);
  border-top: 4px solid var(--tha-gold-dark);
}

.hero-highlight-card h2 {
  margin-top: 0;
  margin-bottom: 0.75rem;
  font-size: 1.1rem;
}

.hero-highlight-card ul {
  margin: 0 0 0.75rem;
  padding-left: 1.1rem;
  font-size: 0.95rem;
}

.small {
  font-size: 0.8rem;
  opacity: 0.8;
}

.seal-logo {
  width: 130px;
  margin-bottom: 1rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.7rem 1.4rem;
  border-radius: 999px;
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 600;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.1s ease, box-shadow 0.1s ease, background-color 0.1s ease, color 0.1s ease, border-color 0.1s ease;
}

.btn.primary {
  background: var(--tha-blue);
  color: #ffffff;
  border-color: var(--tha-gold-dark);
  box-shadow: 0 10px 30px rgba(0, 0, 128, 0.35);
}

.btn.primary:hover,
.btn.primary:focus-visible {
  background: var(--tha-red);
  transform: translateY(-1px);
  box-shadow: 0 14px 35px rgba(200, 8, 21, 0.4);
}

.btn.ghost {
  background: #ffffff;
  color: var(--tha-blue);
  border-color: var(--tha-blue);
}

.btn.ghost:hover,
.btn.ghost:focus-visible {
  background: #eff6ff;
}

.btn.full-width {
  width: 100%;
}

/* Cards & grids */
.grid-3 {
  display: grid;
  gap: 1.5rem;
  margin-top: 2rem;
}

.info-card {
  background: #f9fafb;
  border-radius: 0.85rem;
  padding: 1.25rem;
  border: 1px solid rgba(15, 23, 42, 0.05);
}

.section-alt .info-card {
  background: #f9fafb;
}

.step-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.6rem;
  height: 1.6rem;
  border-radius: 999px;
  background: var(--tha-blue);
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

/* Tiers table */
.table-wrapper {
  overflow-x: auto;
  margin-top: 1.5rem;
}

.tiers-table {
  width: 100%;
  border-collapse: collapse;
  background: #ffffff;
  border-radius: 0.75rem;
  overflow: hidden;
  font-size: 0.95rem;
}

.tiers-table th,
.tiers-table td {
  padding: 0.8rem 1rem;
  text-align: left;
}

.tiers-table thead {
  background: var(--tha-blue);
  color: #ffffff;
}

.tiers-table tbody tr:nth-child(even) {
  background: #f9fafb;
}

/* Form */
.form-layout {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.form-intro p {
  margin-top: 0.4rem;
}

.broker-note {
  border-left: 3px solid var(--tha-gold-dark);
  padding-left: 0.75rem;
  margin-top: 1rem;
  font-size: 0.9rem;
}

.referral-form {
  background: #ffffff;
  border-radius: 1rem;
  padding: 1.5rem;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.08);
}

.form-grid {
  display: grid;
  gap: 1rem;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  font-size: 0.9rem;
}

.form-field label,
.fieldset legend {
  font-weight: 600;
  font-size: 0.88rem;
  color: #111827;
}

.fieldset {
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 0.75rem;
  padding: 1rem;
  margin-bottom: 1rem;
  margin-top: 1rem;
}

.fieldset legend {
  padding: 0 0.3rem;
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  border-radius: 0.5rem;
  border: 1px solid rgba(148, 163, 184, 0.9);
  padding: 1rem;
  font-size: 1rem;
  font-family: inherit;
  transition: border-color 0.12s ease, box-shadow 0.12s ease;
  height: 56px;
}

input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: none;
  border-color: var(--tha-blue);
  box-shadow: 0 0 0 1px rgba(0, 0, 128, 0.45);
}

textarea {
  resize: vertical;
}

.checkbox-field {
  flex-direction: row;
  align-items: flex-start;
  gap: 0.5rem;
}

.checkbox-field input[type="checkbox"] {
  margin-top: 0.2rem;
}

.radio-group {
  display: flex;
  gap: 1.5rem;
  margin-top: 0.25rem;
}

.radio-group label {
  font-weight: 400;
}

.label {
  font-weight: 600;
  font-size: 0.88rem;
  color: #111827;
}

.acknowledgement {
  margin-top: 1rem;
  margin-bottom: 1rem;
}

/* Disclosures */
.disclosure {
  margin-bottom: 1rem;
  border-radius: 0.75rem;
  background: rgba(15, 23, 42, 0.4);
  padding: 0.75rem 1rem;
}

.disclosure summary {
  cursor: pointer;
  font-weight: 600;
}

.disclosure summary::-webkit-details-marker {
  display: none;
}

.disclosure summary::before {
  content: "▸ ";
  font-size: 0.8rem;
}

.disclosure[open] summary::before {
  content: "▾ ";
}

.disclosure p {
  margin-top: 0.5rem;
  font-size: 0.9rem;
}

.thank-you {
  margin-top: 2rem;
  text-align: center;
}

/* Footer */
.site-footer {
  padding: 1.5rem 0;
  background: #020617;
  color: #9ca3af;
  font-size: 0.85rem;
}

.footer-inner {
  text-align: center;
}

/* Responsive */
@media (min-width: 768px) {
  .site-nav {
    display: block !important;
  }

  .nav-toggle {
    display: none;
  }

  .hero-inner {
    flex-direction: row;
    align-items: center;
  }

  .hero-copy {
    flex: 3;
  }

  .hero-panel {
    flex: 2;
  }

  .grid-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .form-layout {
    flex-direction: row;
    align-items: flex-start;
  }

  .form-intro {
    flex: 1.2;
  }

  .referral-form {
    flex: 1.8;
  }

  .form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Mobile nav open state */
.site-nav.open {
  display: block;
}

@media (max-width: 767px) {
  .site-nav {
    position: absolute;
    top: 3.25rem;
    right: 0;
    left: 0;
    background: #ffffff;
    border-bottom: 1px solid rgba(15, 23, 42, 0.07);
    padding: 0.75rem 1rem 1rem;
  }

  .site-nav ul {
    flex-direction: column;
    gap: 0.75rem;
  }
}


/* CUSTOM STYLES */
.margin-top {
  margin-top: 1rem;
}