:root {--gold: #e8c547;--gold-dim: rgba(232, 197, 71, 0.12);--gold-line: rgba(232, 197, 71, 0.25);--mint: #3ddba8;--mint-dim: rgba(61, 219, 168, 0.10);--ink: #07090f;--panel: rgba(255,255,255,0.03);--border: rgba(255,255,255,0.07);--text-muted: rgba(255,255,255,0.55);}.ref-hero {position: relative;padding: 40px 0 60px;overflow: hidden;}.ref-hero::before {content: '';position: absolute;inset: 0;background-image: repeating-linear-gradient( -55deg, transparent, transparent 3px, rgba(255,255,255,0.012) 3px, rgba(255,255,255,0.012) 4px );pointer-events: none;z-index: 0;}.ref-hero-inner {position: relative;z-index: 1;display: grid;grid-template-columns: 1fr 420px;gap: 0;align-items: center;}.ref-hero-left {padding-right: 56px;border-right: 1px solid var(--border);}.ref-kicker {display: inline-flex;align-items: center;gap: 8px;margin-bottom: 24px;padding: 5px 12px 5px 5px;border-radius: 999px;background: var(--gold-dim);border: 1px solid var(--gold-line);font-size: 11px;font-weight: 800;letter-spacing: 0.12em;text-transform: uppercase;color: var(--gold);}.ref-kicker-dot {width: 20px;height: 20px;border-radius: 50%;background: var(--gold);display: inline-flex;align-items: center;justify-content: center;animation: pulse-gold 2.4s ease-in-out infinite;}.ref-kicker-dot::after {content: '';width: 8px;height: 8px;border-radius: 50%;background: #07090f;}@keyframes pulse-gold {0%, 100% {box-shadow: 0 0 0 0 rgba(232,197,71,0.5);}50% {box-shadow: 0 0 0 8px rgba(232,197,71,0);}}.ref-hero-title {font-size: 46px;font-weight: 900;line-height: 1.08;color: #fff;margin-bottom: 22px;letter-spacing: -0.02em;}.ref-hero-title em {font-style: normal;color: var(--gold);}.ref-hero-desc {font-size: 15px;line-height: 1.85;color: var(--text-muted);max-width: 460px;margin-bottom: 36px;}.ref-stats {display: flex;gap: 0;border-top: 1px solid var(--border);padding-top: 28px;}.ref-stat {flex: 1;padding-right: 24px;}.ref-stat + .ref-stat {padding-left: 24px;border-left: 1px solid var(--border);}.ref-stat-label {font-size: 11px;font-weight: 700;letter-spacing: 0.1em;text-transform: uppercase;color: var(--text-muted);margin-bottom: 6px;}.ref-stat-value {font-size: 20px;font-weight: 800;color: #fff;line-height: 1.2;}.ref-stat-sub {font-size: 12px;color: var(--text-muted);line-height: 1.5;margin-top: 4px;}.ref-hero-right {display: flex;flex-direction: column;align-items: center;justify-content: center;padding-left: 56px;text-align: center;}.ref-commission-wrap {position: relative;display: inline-block;}.ref-commission-ring {position: absolute;inset: -20px;border-radius: 50%;border: 1px solid var(--gold-line);animation: spin-slow 18s linear infinite;}.ref-commission-ring::before {content: '';position: absolute;top: -3px;left: 50%;transform: translateX(-50%);width: 6px;height: 6px;border-radius: 50%;background: var(--gold);box-shadow: 0 0 10px var(--gold);}@keyframes spin-slow {from {transform: rotate(0deg);}to {transform: rotate(360deg);}}.ref-commission-value {font-size: 108px;font-weight: 900;line-height: 1;letter-spacing: -0.04em;background: linear-gradient(145deg, #fff 20%, var(--gold) 60%, #c8970a 100%);-webkit-background-clip: text;-webkit-text-fill-color: transparent;background-clip: text;filter: drop-shadow(0 0 40px rgba(232,197,71,0.25));position: relative;z-index: 1;padding: 20px 10px;}.ref-commission-label {font-size: 11px;font-weight: 700;letter-spacing: 0.14em;text-transform: uppercase;color: var(--gold);margin-top: 6px;opacity: 0.8;}.ref-commission-sub {font-size: 12px;color: var(--text-muted);margin-top: 4px;line-height: 1.5;}.ref-section-label {display: flex;align-items: center;gap: 14px;margin-bottom: 40px;}.ref-section-label span {font-size: 11px;font-weight: 800;letter-spacing: 0.14em;text-transform: uppercase;color: var(--text-muted);}.ref-section-label::after {content: '';flex: 1;height: 1px;background: var(--border);}.ref-step-card {position: relative;background: var(--panel);border: 1px solid var(--border);border-radius: 16px;padding: 32px 28px 28px;height: 100%;overflow: hidden;transition: border-color 0.3s ease, transform 0.3s ease;}.ref-step-card:hover {border-color: var(--gold-line);transform: translateY(-4px);}.ref-step-card::before {content: attr(data-step);position: absolute;top: -10px;right: 16px;font-size: 110px;font-weight: 900;line-height: 1;color: rgba(255,255,255,0.03);letter-spacing: -0.05em;pointer-events: none;user-select: none;}.ref-step-card::after {content: '';position: absolute;top: 0;left: 0;right: 0;height: 2px;background: linear-gradient(90deg, var(--gold), var(--mint));transform: scaleX(0);transform-origin: left;transition: transform 0.4s ease;}.ref-step-card:hover::after {transform: scaleX(1);}.ref-step-index {display: inline-flex;align-items: center;gap: 8px;margin-bottom: 16px;}.ref-step-index-num {font-size: 11px;font-weight: 800;letter-spacing: 0.12em;color: var(--gold);}.ref-step-index-line {width: 28px;height: 1px;background: var(--gold-line);}.ref-step-card h4 {color: #fff;font-size: 17px;font-weight: 700;margin-bottom: 12px;line-height: 1.3;}.ref-step-card p {color: var(--text-muted);font-size: 14px;line-height: 1.8;margin: 0;}.ref-step-card p strong {color: rgba(255,255,255,0.85);}.ref-calc {background: #0c0e18;border: 1px solid var(--border);border-radius: 16px;overflow: hidden;}.ref-calc-header {display: flex;align-items: center;gap: 8px;padding: 14px 20px;border-bottom: 1px solid var(--border);background: rgba(255,255,255,0.02);}.ref-calc-dot {width: 10px;height: 10px;border-radius: 50%;}.ref-calc-dot:nth-child(1) {background: #ff5f57;}.ref-calc-dot:nth-child(2) {background: #febc2e;}.ref-calc-dot:nth-child(3) {background: #28c840;}.ref-calc-title {font-size: 11px;color: var(--text-muted);letter-spacing: 0.08em;margin-left: 8px;font-weight: 600;}.ref-calc-body {padding: 24px 24px 20px;}.ref-calc-row {display: flex;justify-content: space-between;align-items: baseline;padding: 10px 0;border-bottom: 1px solid rgba(255,255,255,0.04);}.ref-calc-row:last-child {border-bottom: none;}.ref-calc-row .label {font-size: 13px;color: var(--text-muted);}.ref-calc-row .val {font-family: 'Courier New', monospace;font-size: 15px;font-weight: 700;color: #fff;letter-spacing: 0.02em;}.ref-calc-total {margin-top: 8px;padding: 16px 20px;background: var(--gold-dim);border-radius: 10px;display: flex;justify-content: space-between;align-items: center;}.ref-calc-total .label {font-size: 13px;font-weight: 700;color: rgba(255,255,255,0.85);}.ref-calc-total .val {font-family: 'Courier New', monospace;font-size: 26px;font-weight: 900;color: var(--gold);letter-spacing: -0.02em;}.ref-calc-note {display: flex;justify-content: space-between;align-items: center;margin-top: 14px;padding: 12px 20px;background: rgba(255,255,255,0.02);border-radius: 8px;border: 1px solid var(--border);}.ref-calc-note span:first-child {font-size: 12px;color: rgba(255,255,255,0.35);}.ref-calc-note span:last-child {font-size: 13px;font-weight: 700;color: rgba(255,255,255,0.6);}.ref-faq {background: var(--panel);border: 1px solid var(--border);border-radius: 16px;overflow: hidden;}.ref-faq-header {padding: 22px 28px;border-bottom: 1px solid var(--border);display: flex;align-items: center;justify-content: space-between;}.ref-faq-header h4 {color: #fff;font-size: 16px;font-weight: 700;margin: 0;}.ref-faq-count {font-size: 11px;font-weight: 700;color: var(--gold);background: var(--gold-dim);border: 1px solid var(--gold-line);border-radius: 999px;padding: 3px 10px;letter-spacing: 0.06em;}.ref-faq-item {padding: 20px 28px;border-bottom: 1px solid var(--border);transition: background 0.2s ease;}.ref-faq-item:last-child {border-bottom: none;}.ref-faq-item:hover {background: rgba(255,255,255,0.02);}.ref-faq-item h5 {color: #fff;font-size: 14px;font-weight: 700;margin-bottom: 8px;display: flex;align-items: flex-start;gap: 10px;}.ref-faq-item h5::before {content: 'Q';display: inline-flex;align-items: center;justify-content: center;min-width: 20px;height: 20px;border-radius: 4px;background: var(--gold-dim);border: 1px solid var(--gold-line);color: var(--gold);font-size: 10px;font-weight: 800;letter-spacing: 0;margin-top: 1px;flex-shrink: 0;}.ref-faq-item p {font-size: 13px;color: var(--text-muted);line-height: 1.8;margin: 0;padding-left: 30px;}.ref-faq-item p strong {color: rgba(255,255,255,0.85);}.ref-cta {position: relative;padding: 48px 52px;border-radius: 20px;overflow: hidden;display: flex;align-items: center;justify-content: space-between;flex-wrap: wrap;gap: 28px;border: 1px solid var(--gold-line);background: linear-gradient(115deg, rgba(232,197,71,0.06) 0%, rgba(7,9,15,0.97) 55%);}.ref-cta::before {content: '';position: absolute;top: 0;left: -100%;width: 60%;height: 100%;background: linear-gradient(90deg, transparent, rgba(232,197,71,0.05), transparent);animation: sweep 5s ease-in-out infinite;}@keyframes sweep {0% {left: -100%;}50% {left: 120%;}100% {left: 120%;}}.ref-cta::after {content: '';position: absolute;bottom: 0;right: 0;width: 180px;height: 180px;background: radial-gradient(circle at bottom right, rgba(232,197,71,0.08), transparent 70%);pointer-events: none;}.ref-cta-text {position: relative;z-index: 1;}.ref-cta-text h3 {font-size: 28px;font-weight: 900;color: #fff;margin-bottom: 10px;letter-spacing: -0.02em;}.ref-cta-text h3 em {font-style: normal;color: var(--gold);}.ref-cta-text p {font-size: 14px;color: var(--text-muted);line-height: 1.7;margin: 0;max-width: 420px;}.ref-cta-actions {display: flex;gap: 12px;flex-wrap: wrap;flex-shrink: 0;position: relative;z-index: 1;}.ref-conditions {display: flex;gap: 12px;align-items: flex-start;padding: 16px 22px;background: rgba(255,255,255,0.015);border: 1px solid var(--border);border-radius: 10px;}.ref-conditions i {color: var(--text-muted);font-size: 13px;margin-top: 3px;flex-shrink: 0;}.ref-conditions p {font-size: 12px;color: rgba(255,255,255,0.38);line-height: 1.8;margin: 0;}@media (max-width: 991px) {.ref-hero-inner {grid-template-columns: 1fr;}.ref-hero-left {padding-right: 0;border-right: none;border-bottom: 1px solid var(--border);padding-bottom: 40px;}.ref-hero-right {padding-left: 0;padding-top: 40px;}.ref-hero-title {font-size: 34px;}.ref-commission-value {font-size: 80px;}.ref-cta {padding: 32px 28px;flex-direction: column;align-items: flex-start;}}