:root{
    --paper:#FAF9F5;
    --manila:#EFE7D3;
    --ink:#1C2B36;
    --ink-soft:#425160;
    --brass:#A8783D;
    --brass-dark:#8C6330;
    --sage:#6E7C5C;
    --rule:#DCD3B8;
    --rule-dark:#C7BC9C;
    --white:#FFFFFF;
    --shadow: 0 1px 2px rgba(28,43,54,0.06), 0 8px 24px rgba(28,43,54,0.06);
    --radius: 3px;
    --serif: 'Source Serif 4', Georgia, serif;
    --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --mono: 'IBM Plex Mono', 'Courier New', monospace;
  }

  *{ box-sizing: border-box; }
  html{ scroll-behavior: smooth; }
  body{
    margin:0;
    background: var(--paper);
    color: var(--ink);
    font-family: var(--sans);
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
  }
  img{ max-width:100%; display:block; }
  a{ color: inherit; }

  .wrap{
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 32px;
  }

  @media (max-width: 640px){
    .wrap{ padding: 0 20px; }
  }

  /* ---------- Type ---------- */
  h1,h2,h3{
    font-family: var(--serif);
    color: var(--ink);
    margin: 0;
    letter-spacing: -0.01em;
  }
  .eyebrow{
    font-family: var(--mono);
    font-size: 12.5px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--brass-dark);
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 500;
  }
  .eyebrow::before{
    content:"";
    width: 20px;
    height: 1px;
    background: var(--brass);
    display: inline-block;
  }

  /* ---------- Nav ---------- */
  header.site{
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(250,249,245,0.92);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--rule);
  }
  .nav{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding: 18px 0;
  }
  .wordmark{
    font-family: var(--serif);
    font-weight: 600;
    font-size: 19px;
    letter-spacing: 0.01em;
    display:flex;
    align-items:center;
    gap: 10px;
  }
  .wordmark .mark{
    width: 30px; height: 30px;
    border: 1.5px solid var(--brass);
    display:flex;align-items:center;justify-content:center;
    font-family: var(--mono);
    font-size: 12px;
    color: var(--brass-dark);
    transform: rotate(45deg);
    flex-shrink:0;
  }
  .wordmark .mark span{ transform: rotate(-45deg); }
  .nav-links{
    display:flex;
    gap: 34px;
    list-style:none;
    margin:0; padding:0;
    font-size: 14.5px;
    font-weight: 500;
  }
  .nav-links a{
    text-decoration:none;
    color: var(--ink-soft);
    position:relative;
    padding-bottom: 3px;
  }
  .nav-links a:hover{ color: var(--ink); }
  .nav-right{ display:flex; align-items:center; gap: 24px; }
  .btn{
    font-family: var(--sans);
    font-weight: 600;
    font-size: 14px;
    text-decoration:none;
    padding: 11px 22px;
    border-radius: var(--radius);
    display:inline-block;
    border: 1px solid transparent;
    cursor:pointer;
    transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  }
  .btn-primary{
    background: var(--ink);
    color: var(--paper);
  }
  .btn-primary:hover{ background: #0f1a22; transform: translateY(-1px); }
  .btn-ghost{
    border-color: var(--rule-dark);
    color: var(--ink);
    background: transparent;
  }
  .btn-ghost:hover{ border-color: var(--brass); color: var(--brass-dark); }
  .btn-sm{ padding: 8px 16px; font-size: 13px; }

  .nav-toggle{ display:none; background:none; border:none; cursor:pointer; padding: 6px; }
  .nav-toggle span{ display:block; width:22px; height:2px; background:var(--ink); margin:5px 0; }

  @media (max-width: 880px){
    .nav-links{ display:none; }
    .nav-toggle{ display:block; }
    .nav-right .btn-ghost{ display:none; }
  }

  /* ---------- Hero ---------- */
  .hero{
    padding: 88px 0 96px;
    position: relative;
    overflow:hidden;
  }
  .hero-grid{
    display:grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 64px;
    align-items:center;
  }
  .hero h1{
    font-size: clamp(34px, 4.4vw, 54px);
    line-height: 1.08;
    margin: 18px 0 22px;
  }
  .hero h1 em{
    font-style: italic;
    color: var(--brass-dark);
  }
  .hero p.lede{
    font-size: 18px;
    color: var(--ink-soft);
    max-width: 480px;
    margin: 0 0 30px;
  }
  .hero-actions{ display:flex; gap: 14px; flex-wrap:wrap; margin-bottom: 26px;}
  .hero-trust{
    font-family: var(--mono);
    font-size: 12.5px;
    color: var(--ink-soft);
    display:flex;
    align-items:center;
    gap: 10px;
  }
  .hero-trust .dot{ width:6px; height:6px; border-radius:50%; background:var(--sage); display:inline-block; }

  /* Case file visual */
  .case-file{
    background: var(--white);
    border: 1px solid var(--rule);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    position: relative;
    padding: 26px 26px 22px;
  }
  .case-file::before{
    content:"";
    position:absolute;
    top:0; left:24px; right:24px; height:0;
  }
  .cf-tab{
    position:absolute;
    top:-13px; left:26px;
    background: var(--manila);
    border:1px solid var(--rule-dark);
    border-bottom:none;
    padding: 5px 14px 9px;
    font-family: var(--mono);
    font-size: 10.5px;
    letter-spacing: 0.1em;
    color: var(--ink-soft);
    border-radius: 3px 3px 0 0;
  }
  .cf-head{
    display:flex;
    justify-content:space-between;
    align-items:flex-start;
    border-bottom: 1px dashed var(--rule-dark);
    padding-bottom: 14px;
    margin-bottom: 16px;
  }
  .cf-head .label{
    font-family: var(--mono);
    font-size: 10.5px;
    letter-spacing: 0.08em;
    color: var(--ink-soft);
    text-transform: uppercase;
  }
  .cf-head .val{ font-weight:600; font-size: 14px; margin-top:3px; }
  .stamp{
    font-family: var(--mono);
    font-size: 10.5px;
    letter-spacing: 0.08em;
    color: var(--sage);
    border: 1.5px solid var(--sage);
    border-radius: 3px;
    padding: 4px 9px;
    transform: rotate(-6deg);
    font-weight:600;
  }
  .cf-row{
    display:flex;
    justify-content:space-between;
    padding: 9px 0;
    border-bottom: 1px solid #F0EDE3;
    font-size: 13.5px;
  }
  .cf-row .k{ color: var(--ink-soft); }
  .cf-row .v{ font-weight:600; font-family: var(--mono); font-size: 12.5px; }

  .decoder{
    margin-top: 16px;
    background: var(--manila);
    border-radius: var(--radius);
    padding: 14px 16px;
    position: relative;
    min-height: 78px;
  }
  .decoder .dl{
    font-family: var(--mono);
    font-size: 10px;
    letter-spacing: 0.1em;
    color: var(--brass-dark);
    text-transform:uppercase;
    margin-bottom: 6px;
    display:block;
  }
  .decoder-text{
    font-size: 14.5px;
    line-height: 1.5;
    color: var(--ink);
    min-height: 44px;
  }
  .decoder-cursor{
    display:inline-block;
    width: 2px; height: 15px;
    background: var(--brass);
    vertical-align: middle;
    margin-left: 2px;
    animation: blink 1s steps(1) infinite;
  }
  @keyframes blink{ 50%{ opacity:0; } }

  @media (max-width: 880px){
    .hero-grid{ grid-template-columns: 1fr; }
  }

  /* ---------- Field notes strip ---------- */
  .notes{
    border-top: 1px solid var(--rule);
    border-bottom: 1px solid var(--rule);
    background: var(--manila);
  }
  .notes-grid{
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
  }
  .note{
    padding: 26px 30px;
    border-left: 1px solid var(--rule-dark);
  }
  .note:first-child{ border-left:none; }
  .note .tag{
    font-family: var(--mono);
    font-size: 10.5px;
    letter-spacing: 0.1em;
    color: var(--sage);
    text-transform: uppercase;
    display:block;
    margin-bottom: 8px;
  }
  .note p{ margin:0; font-size: 14.5px; color: var(--ink); font-weight: 500; }
  @media (max-width: 780px){
    .notes-grid{ grid-template-columns: 1fr; }
    .note{ border-left:none; border-top: 1px solid var(--rule-dark); }
    .note:first-child{ border-top:none; }
  }

  /* ---------- Section shell ---------- */
  section{ padding: 96px 0; }
  .section-head{
    max-width: 640px;
    margin-bottom: 52px;
  }
  .section-head h2{
    font-size: clamp(26px, 3vw, 36px);
    margin-top: 14px;
    line-height:1.15;
  }
  .section-head p{
    color: var(--ink-soft);
    font-size: 16px;
    margin-top: 14px;
  }

  /* ---------- Services ---------- */
  .services-grid{
    display:grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }
  .service-card{
    background: var(--white);
    border: 1px solid var(--rule);
    border-radius: var(--radius);
    padding: 30px 26px;
    display:flex;
    flex-direction:column;
    transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
  }
  .service-card:hover{
    box-shadow: var(--shadow);
    transform: translateY(-3px);
    border-color: var(--rule-dark);
  }
  .service-card .num{
    font-family: var(--mono);
    font-size: 11px;
    color: var(--brass);
    letter-spacing: 0.08em;
  }
  .service-card h3{
    font-size: 20px;
    margin: 14px 0 8px;
  }
  .service-card .price{
    font-family: var(--mono);
    font-size: 15px;
    color: var(--sage);
    font-weight:600;
    margin-bottom: 14px;
  }
  .service-card p.desc{
    color: var(--ink-soft);
    font-size: 14.5px;
    margin: 0 0 18px;
    flex-grow:1;
  }
  .service-card ul{
    margin:0 0 22px;
    padding:0;
    list-style:none;
  }
  .service-card li{
    font-size: 13.5px;
    color: var(--ink);
    padding: 6px 0;
    border-top: 1px solid #F0EDE3;
    display:flex;
    gap:8px;
  }
  .service-card li:before{ content:"—"; color: var(--brass); flex-shrink:0; }
  .service-card.featured{
    border-color: var(--brass);
    box-shadow: 0 2px 0 var(--brass);
  }
  .featured-flag{
    font-family: var(--mono);
    font-size: 10px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--brass-dark);
    background: var(--manila);
    display:inline-block;
    padding: 4px 9px;
    border-radius: 3px;
    margin-bottom: 12px;
    width: fit-content;
  }

  @media (max-width: 900px){
    .services-grid{ grid-template-columns: 1fr; }
  }
  .services-grid.single{
    grid-template-columns: minmax(0, 420px);
    justify-content: center;
  }

  /* ---------- How it works ---------- */
  .steps{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    border-top: 1px solid var(--rule);
  }
  .step{
    padding: 28px 26px 0 0;
    border-right: 1px solid var(--rule);
    position:relative;
  }
  .step:last-child{ border-right:none; }
  .step .step-num{
    font-family: var(--mono);
    font-size: 34px;
    color: var(--rule-dark);
    font-weight: 600;
    line-height:1;
    display:block;
    margin-bottom: 18px;
  }
  .step h4{
    font-family: var(--serif);
    font-size: 18px;
    margin: 0 0 8px;
  }
  .step p{
    font-size: 14px;
    color: var(--ink-soft);
    margin:0;
    padding-right: 20px;
  }
  @media (max-width: 900px){
    .steps{ grid-template-columns: 1fr 1fr; }
    .step{ border-right:none; border-bottom: 1px solid var(--rule); padding-bottom: 24px; margin-bottom: 4px;}
  }
  @media (max-width: 560px){
    .steps{ grid-template-columns: 1fr; }
  }

  /* ---------- Why Valor ---------- */
  .why{
    background: var(--ink);
    color: var(--paper);
  }
  .why .eyebrow{ color: #C9A363; }
  .why .eyebrow::before{ background: #C9A363; }
  .why .section-head h2{ color: var(--paper); }
  .why .section-head p{ color: #B9C2CA; }

  .record-grid{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }
  .record-card{
    background: rgba(255,255,255,0.03);
    border: 1px solid rgba(255,255,255,0.14);
    border-radius: var(--radius);
    padding: 28px;
  }
  .record-card .rc-label{
    font-family: var(--mono);
    font-size: 10.5px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #C9A363;
    display:block;
    margin-bottom: 12px;
  }
  .record-card h3{
    color: var(--paper);
    font-size: 20px;
    margin-bottom: 10px;
  }
  .record-card p{
    color: #B9C2CA;
    font-size: 14.5px;
    margin:0;
  }
  .founder-line{
    margin-top: 40px;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.14);
    display:flex;
    gap: 22px;
    align-items:flex-start;
  }
  .founder-mark{
    width:46px; height:46px;
    border: 1.5px solid #C9A363;
    flex-shrink:0;
    display:flex;align-items:center;justify-content:center;
    font-family: var(--mono);
    color: #C9A363;
    font-size: 13px;
    transform: rotate(45deg);
  }
  .founder-mark span{ transform: rotate(-45deg); }
  .founder-line p{
    color: #B9C2CA;
    font-size: 15px;
    margin:0;
    max-width: 620px;
  }
  .founder-line strong{ color: var(--paper); }

  @media (max-width: 780px){
    .record-grid{ grid-template-columns: 1fr; }
    .founder-line{ flex-direction:column; }
  }

  /* ---------- Pricing ---------- */
  .pricing-table{
    border: 1px solid var(--rule);
    border-radius: var(--radius);
    overflow:hidden;
    background: var(--white);
  }
  .pt-row{
    display:grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    border-bottom: 1px solid var(--rule);
  }
  .pt-row:last-child{ border-bottom:none; }
  .pt-row.head{
    background: var(--manila);
    font-family: var(--mono);
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--ink-soft);
  }
  .pt-cell{
    padding: 18px 22px;
    font-size: 14.5px;
    border-left: 1px solid var(--rule);
    display:flex;
    align-items:center;
  }
  .pt-cell:first-child{ border-left:none; font-weight:600; }
  .pt-row.head .pt-cell{ padding: 13px 22px; }
  .pt-cell .yes{ color: var(--sage); font-weight:700; }
  .pt-cell .no{ color: var(--rule-dark); }
  @media (max-width: 780px){
    .pt-row{ grid-template-columns: 1.2fr 1fr 1fr; font-size:13px; }
    .pt-cell{ padding: 14px 12px; }
    .pt-row .pt-cell:nth-child(4){ display:none; }
    .pt-row.head .pt-cell:nth-child(4){ display:none; }
  }

  .pricing-note{
    margin-top: 20px;
    font-size: 13.5px;
    color: var(--ink-soft);
    font-family: var(--mono);
  }

  /* ---------- FAQ ---------- */
  .faq-list{ border-top: 1px solid var(--rule); }
  .faq-item{
    border-bottom: 1px solid var(--rule);
  }
  .faq-q{
    width:100%;
    background:none;
    border:none;
    text-align:left;
    padding: 22px 0;
    font-family: var(--serif);
    font-size: 17px;
    color: var(--ink);
    cursor:pointer;
    display:flex;
    justify-content:space-between;
    align-items:center;
    gap: 20px;
  }
  .faq-q .plus{
    font-family: var(--mono);
    color: var(--brass);
    font-size: 20px;
    flex-shrink:0;
    transition: transform .2s ease;
  }
  .faq-item.open .plus{ transform: rotate(45deg); }
  .faq-a{
    max-height:0;
    overflow:hidden;
    transition: max-height .25s ease;
  }
  .faq-a-inner{
    padding: 0 0 22px;
    color: var(--ink-soft);
    font-size: 14.5px;
    max-width: 680px;
  }

  /* ---------- CTA banner ---------- */
  .cta-band{
    background: var(--manila);
    border-top: 1px solid var(--rule-dark);
    border-bottom: 1px solid var(--rule-dark);
    text-align:center;
    padding: 80px 0;
  }
  .cta-band h2{
    font-size: clamp(26px, 3.4vw, 38px);
    max-width: 640px;
    margin: 0 auto 26px;
    line-height:1.2;
  }

  /* ---------- Footer ---------- */
  footer{
    padding: 60px 0 40px;
  }
  .footer-top{
    display:flex;
    justify-content:space-between;
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid var(--rule);
    flex-wrap:wrap;
  }
  .footer-brand .wordmark{ margin-bottom: 12px; }
  .footer-brand p{
    color: var(--ink-soft);
    font-size: 13.5px;
    max-width: 320px;
    margin:0;
  }
  .footer-cols{
    display:flex;
    gap: 44px;
    flex-wrap: wrap;
  }
  .footer-col h5{
    font-family: var(--mono);
    font-size: 11px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--ink-soft);
    margin: 0 0 14px;
  }
  .footer-col ul{ list-style:none; margin:0; padding:0; }
  .footer-col li{ margin-bottom: 10px; }
  .footer-col a{
    text-decoration:none;
    font-size: 14px;
    color: var(--ink);
  }
  .footer-col a:hover{ color: var(--brass-dark); }
  .footer-legal{
    padding-top: 26px;
    font-size: 12.5px;
    color: var(--ink-soft);
    line-height:1.6;
    display:flex;
    justify-content:space-between;
    gap: 30px;
    flex-wrap:wrap;
  }
  .footer-legal .disclaimer{ max-width: 720px; }

  @media (max-width: 780px){
    .footer-top{ flex-direction:column; }
    .footer-cols{ gap: 40px; }
  }

  /* ---------- Mobile menu ---------- */
  .mobile-menu{
    display:none;
    position:fixed;
    inset:0;
    background: var(--paper);
    z-index: 100;
    padding: 24px 24px;
    flex-direction:column;
  }
  .mobile-menu.open{ display:flex; }
  .mobile-menu .mm-top{ display:flex; justify-content:space-between; align-items:center; margin-bottom: 40px;}
  .mobile-menu a{
    text-decoration:none;
    font-family: var(--serif);
    font-size: 26px;
    color: var(--ink);
    padding: 14px 0;
    border-bottom: 1px solid var(--rule);
  }
  .mobile-menu .btn{ margin-top: 28px; text-align:center; }

  /* Reduced motion */
  @media (prefers-reduced-motion: reduce){
    html{ scroll-behavior:auto; }
    .decoder-cursor{ animation:none; }
    *{ transition:none !important; }
  }

  ::selection{ background: var(--brass); color: var(--white); }

/* ---------- Content landing pages (carrier / resource pages) ---------- */
.page-hero{
  padding: 64px 0 52px;
  border-bottom: 1px solid var(--rule);
  background: var(--manila);
}
.breadcrumb{
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-soft);
  margin-bottom: 18px;
  letter-spacing: 0.02em;
}
.breadcrumb a{ color: var(--brass-dark); text-decoration:none; }
.breadcrumb a:hover{ text-decoration:underline; }
.page-hero h1{
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.15;
  margin: 14px 0 16px;
  max-width: 780px;
}
.page-hero p.lede{
  font-size: 17px;
  color: var(--ink-soft);
  max-width: 620px;
  margin: 0 0 26px;
}
.content-wrap{
  max-width: 760px;
}
.content-wrap h2{
  font-size: 26px;
  margin: 0 0 14px;
}
.content-wrap h3{
  font-size: 19px;
  margin: 34px 0 10px;
}
.content-wrap > p{
  color: var(--ink-soft);
  font-size: 16px;
  margin: 0 0 16px;
}
.check-list{
  list-style:none;
  margin: 0 0 20px;
  padding: 0;
}
.check-list li{
  padding: 9px 0 9px 28px;
  position: relative;
  font-size: 15px;
  color: var(--ink);
  border-top: 1px solid #F0EDE3;
}
.check-list li:before{
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--sage);
  font-weight: 700;
}
.step-list{
  margin: 0 0 20px;
  padding: 0;
  counter-reset: step;
  list-style: none;
}
.step-list li{
  counter-increment: step;
  padding: 14px 0 14px 46px;
  position: relative;
  font-size: 15px;
  color: var(--ink);
  border-top: 1px solid #F0EDE3;
}
.step-list li:before{
  content: counter(step);
  position: absolute;
  left: 0;
  top: 12px;
  width: 26px; height: 26px;
  border: 1.5px solid var(--brass);
  color: var(--brass-dark);
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 700;
  display:flex;
  align-items:center;
  justify-content:center;
  border-radius: 50%;
}
.step-list strong{ display:block; margin-bottom: 3px; }
.disclaimer-box{
  margin-top: 44px;
  padding: 18px 20px;
  background: var(--manila);
  border-radius: var(--radius);
  font-size: 12.5px;
  color: var(--ink-soft);
  line-height: 1.6;
}
.inline-cta{
  margin: 34px 0 8px;
  padding: 26px;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  background: var(--white);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.inline-cta p{ margin:0; font-size: 15px; color: var(--ink); font-weight:500; }
.carrier-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.carrier-card{
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  padding: 24px;
  text-decoration: none;
  display:block;
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.carrier-card:hover{
  box-shadow: var(--shadow);
  transform: translateY(-3px);
  border-color: var(--rule-dark);
}
.carrier-card h3{ font-size: 18px; margin: 0 0 8px; color: var(--ink); }
.carrier-card p{ font-size: 13.5px; color: var(--ink-soft); margin:0; }
@media (max-width: 780px){
  .carrier-grid{ grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px){
  .carrier-grid{ grid-template-columns: 1fr; }
  .inline-cta{ flex-direction:column; align-items:flex-start; }
}