:root{--primary:#0e7ebe;--primary-light:rgba(14,126,190,.1);--secondary:#0b204b;--accent:#00c4ff;--text-dark:#1a202c;--text-medium:#4a5568;--text-light:#718096;--bg-light:#f8fafc;--success:#48bb78;--border:#e2e8f0}.referral-intro{color:var(--text-medium);font-size:1.25rem;margin:0 auto;max-width:700px}.process-section{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));margin-bottom:4rem}.process-step{background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:0 4px 12px rgba(14,126,190,.08);padding:2rem;text-align:center}.step-number{align-items:center;background:linear-gradient(135deg,var(--primary),var(--accent));border-radius:50%;color:#fff;display:flex;font-size:1.5rem;font-weight:700;height:50px;justify-content:center;margin:0 auto 1.5rem;width:50px}.process-step h3{color:var(--secondary);font-size:1.25rem;margin-bottom:1rem}.process-step p{color:var(--text-medium)}.benefits-section{background:var(--bg-light);border-radius:12px;margin-bottom:4rem;padding:3rem;text-align:center}.benefits-title{color:var(--secondary);font-size:1.75rem;margin-bottom:2rem;text-align:center}.benefits-grid{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}.benefit-item{padding:1.5rem;text-align:center}.benefit-icon{color:var(--primary);font-size:2rem;margin-bottom:1rem}.benefit-item h3{color:var(--secondary);font-size:1.25rem;margin-bottom:.5rem}.benefit-item p{color:var(--text-medium)}.terms-section{background:#ff5c350d;border-radius:10px;font-size:.9rem;max-width:1200px;padding:40px;text-align:center}.terms-section h3{color:var(--secondary);margin-bottom:1rem}@media (max-width:768px){.referral-title{font-size:2rem}.referral-intro{font-size:1.1rem}.form-grid{grid-template-columns:1fr}.form-group.full-width{grid-column:span 1}.benefits-grid,.process-section{grid-template-columns:1fr}}