.page-banner{position:relative;min-height:45vh;overflow:hidden;margin-top:-84px;padding-top:120px}.page-banner-bg{position:absolute;inset:0;background:url(https://images.unsplash.com/photo-1745546898290-602fd37bc68a?w=1600&q=80) top/cover no-repeat;z-index:0}.page-banner-overlay{position:absolute;inset:0;background:var(--accent);opacity:.55;z-index:1}.page-banner-content{position:relative;z-index:2;display:flex;flex-direction:column;justify-content:center;min-height:45vh;padding:60px 0 80px}.page-banner-breadcrumb{display:inline-flex;align-items:center;gap:10px;margin-bottom:20px;font-size:18px;font-weight:500;border:.5px solid var(--white);border-radius:25px;padding:6px 20px;font-family:var(--font-primary)}.page-banner-breadcrumb a{color:var(--white);transition:color .2s}.page-banner-breadcrumb a:hover{color:var(--secondary)}.breadcrumb-sep{color:hsla(0,0%,100%,.5)}.breadcrumb-current{color:var(--secondary)}.page-banner-subtitle{font-size:16px;color:var(--white);font-weight:500;margin-bottom:6px;opacity:.85}.page-banner-title{font-size:60px;font-weight:700;color:var(--white);line-height:1.15;font-family:var(--font-primary)}.page-banner-title-gold{color:var(--secondary)}.page-banner-shape{position:absolute;bottom:-1px;left:0;width:100%;z-index:3;line-height:0;transform:scaleX(-1)}.page-banner-shape svg{width:100%;height:60px}@media (max-width:768px){.page-banner-content{padding:40px 0 60px}.page-banner-title{font-size:36px}.page-banner-shape svg{height:40px}}.refer-intro{padding:56px 0 16px;background:var(--white);text-align:center}.refer-rapid{display:inline-flex;align-items:center;gap:14px;background:var(--primary);color:var(--white);border-radius:var(--radius);padding:14px 22px;text-align:left;margin-bottom:22px}.refer-rapid svg{color:var(--secondary);flex-shrink:0}.refer-rapid strong{display:block;font-size:16px}.refer-rapid span{font-size:14px;color:hsla(0,0%,100%,.8)}.refer-intro-text{max-width:820px;margin:0 auto;font-size:17px;line-height:1.75;color:var(--gray)}.refer-main{padding:48px 0 80px;background:var(--warm-bg)}.refer-grid{display:grid;grid-template-columns:1fr 1.4fr;grid-gap:32px;gap:32px;align-items:start}.refer-sidebar{display:flex;flex-direction:column;gap:24px}.refer-card{background:var(--white);border:1px solid var(--medium-gray);border-radius:var(--radius);padding:28px 26px}.refer-card h3{font-size:19px;font-weight:700;color:var(--primary);margin-bottom:16px}.refer-checklist{list-style:none}.refer-checklist li{display:flex;align-items:center;gap:12px;padding:8px 0;font-size:16px;color:var(--dark-gray)}.refer-checklist svg{color:var(--secondary);flex-shrink:0}.refer-contact{display:flex;align-items:center;gap:10px;padding:8px 0;font-size:15px;font-weight:600;color:var(--primary)}.refer-contact svg{color:var(--secondary);flex-shrink:0}.refer-contact:hover{color:var(--secondary-dark)}.refer-qr{margin-top:18px;text-align:center}.refer-qr img{margin:0 auto 8px;border-radius:var(--radius)}.refer-qr p{font-size:13px;color:var(--gray)}.refer-form-wrap{background:var(--white);border:1px solid var(--medium-gray);border-radius:var(--radius);padding:36px 34px}.refer-form-title{font-size:24px;font-weight:700;color:var(--primary);margin-bottom:18px}.refer-success{background:rgba(196,163,90,.15);border:1px solid var(--secondary);color:var(--primary-dark);border-radius:var(--radius);padding:14px 18px;margin-bottom:20px;font-weight:600}.refer-form-section{font-size:14px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--secondary-dark);margin:18px 0 10px}.refer-form-section:first-of-type{margin-top:0}.refer-form-row{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}.refer-form input,.refer-form select,.refer-form textarea{width:100%;padding:12px 14px;margin-bottom:14px;border:1px solid var(--medium-gray);border-radius:var(--radius);font-size:15px;color:var(--dark-gray);background:var(--white)}.refer-form input:focus,.refer-form select:focus,.refer-form textarea:focus{outline:none;border-color:var(--primary)}.refer-form textarea{resize:vertical}.refer-submit-btn{width:100%;background:var(--primary);color:var(--white);font-size:16px;font-weight:600;padding:14px;border-radius:var(--radius-pill);transition:background .3s,transform .3s}.refer-submit-btn:hover{background:var(--primary-dark);transform:translateY(-2px)}.refer-form-note{margin-top:12px;font-size:13px;color:var(--gray);text-align:center}@media (max-width:860px){.refer-grid{grid-template-columns:1fr}}@media (max-width:560px){.refer-form-row{grid-template-columns:1fr}}