.referral-hero[data-astro-cid-zkmtkx62]{background:linear-gradient(135deg,var(--fm-navy) 0%,#2a3470 100%);padding:72px 0 64px;color:#fff;text-align:center}.referral-hero[data-astro-cid-zkmtkx62] h1[data-astro-cid-zkmtkx62]{color:#fff;font-size:clamp(28px,4vw,48px);max-width:700px;margin:0 auto 20px;line-height:1.2}.referral-hero[data-astro-cid-zkmtkx62] p[data-astro-cid-zkmtkx62]{color:#ffffffc7;font-size:18px;max-width:540px;margin:0 auto 36px;line-height:1.7}.hero-badge[data-astro-cid-zkmtkx62]{display:inline-flex;align-items:center;gap:8px;background:#fac5662e;border:1px solid rgba(250,197,102,.4);color:var(--fm-sand);border-radius:100px;padding:6px 18px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:20px}.hero-reward[data-astro-cid-zkmtkx62]{display:inline-block;background:var(--fm-sand);color:var(--fm-navy);font-family:Open Sans,sans-serif;font-weight:800;font-size:clamp(40px,6vw,72px);line-height:1;padding:20px 40px;border-radius:20px;margin:0 auto 32px;box-shadow:0 8px 32px #0000002e}.hero-reward[data-astro-cid-zkmtkx62] span[data-astro-cid-zkmtkx62]{display:block;font-size:14px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-top:6px;opacity:.75}.hero-ctas[data-astro-cid-zkmtkx62]{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}.steps-grid[data-astro-cid-zkmtkx62]{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:48px;position:relative}.steps-grid[data-astro-cid-zkmtkx62]:before{content:"";position:absolute;top:36px;left:calc(16.66% + 24px);right:calc(16.66% + 24px);height:2px;background:repeating-linear-gradient(90deg,var(--fm-blue) 0,var(--fm-blue) 8px,transparent 8px,transparent 18px);opacity:.25;pointer-events:none}.step-card[data-astro-cid-zkmtkx62]{text-align:center;padding:36px 24px 28px;border:1px solid var(--card-border);border-radius:18px;background:var(--fm-white);position:relative}.step-number[data-astro-cid-zkmtkx62]{width:56px;height:56px;border-radius:50%;background:var(--fm-blue);color:#fff;font-family:Open Sans,sans-serif;font-weight:800;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;box-shadow:0 4px 16px #2465f24d}.step-card[data-astro-cid-zkmtkx62] h3[data-astro-cid-zkmtkx62]{font-size:17px;color:var(--fm-navy);margin-bottom:10px}.step-card[data-astro-cid-zkmtkx62] p[data-astro-cid-zkmtkx62]{font-size:14.5px;color:var(--muted);line-height:1.65}.reward-grid[data-astro-cid-zkmtkx62]{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:48px}.reward-card[data-astro-cid-zkmtkx62]{display:flex;gap:18px;align-items:flex-start;padding:28px;border:1px solid var(--card-border);border-radius:16px;background:var(--fm-white)}.reward-card[data-astro-cid-zkmtkx62] h3[data-astro-cid-zkmtkx62]{font-size:16px;color:var(--fm-navy);margin-bottom:6px}.reward-card[data-astro-cid-zkmtkx62] p[data-astro-cid-zkmtkx62]{font-size:14px;color:var(--muted);line-height:1.65}.cta-band[data-astro-cid-zkmtkx62]{background:linear-gradient(135deg,var(--fm-blue) 0%,#1a50d4 100%);padding:64px 0;text-align:center;color:#fff}.cta-band[data-astro-cid-zkmtkx62] h2[data-astro-cid-zkmtkx62]{color:#fff;font-size:clamp(22px,3vw,32px);margin-bottom:12px}.cta-band[data-astro-cid-zkmtkx62] p[data-astro-cid-zkmtkx62]{color:#ffffffc7;font-size:16px;margin-bottom:32px;max-width:520px;margin-left:auto;margin-right:auto}.faq-list[data-astro-cid-zkmtkx62]{margin-top:40px;max-width:720px;margin-left:auto;margin-right:auto}.faq-item[data-astro-cid-zkmtkx62]{border-bottom:1px solid var(--card-border);padding:22px 0}.faq-item[data-astro-cid-zkmtkx62]:last-child{border-bottom:none}.faq-q[data-astro-cid-zkmtkx62]{font-family:Open Sans,sans-serif;font-weight:700;font-size:16px;color:var(--fm-navy);margin-bottom:10px}.faq-a[data-astro-cid-zkmtkx62]{font-size:15px;color:var(--muted);line-height:1.7}.terms-note[data-astro-cid-zkmtkx62]{font-size:12px;color:var(--muted);line-height:1.65;text-align:center;max-width:680px;margin:0 auto;padding-top:24px;border-top:1px solid var(--card-border)}@media(max-width:768px){.steps-grid[data-astro-cid-zkmtkx62]{grid-template-columns:1fr;gap:16px}.steps-grid[data-astro-cid-zkmtkx62]:before{display:none}.reward-grid[data-astro-cid-zkmtkx62]{grid-template-columns:1fr}.hero-ctas[data-astro-cid-zkmtkx62]{flex-direction:column;align-items:center}}