/* ==========================================================================
   MAXCOVER INSURANCE - REFER US PAGE STYLESHEET
   ========================================================================== */

:root {
  --ref-primary: #0064e5;
  --ref-primary-dark: #004bb5;
  --ref-primary-light: #e6f0fd;
  --ref-accent: #f59e0b;
  --ref-accent-light: #fef3c7;
  --ref-dark: #0f172a;
  --ref-text: #334155;
  --ref-text-muted: #64748b;
  --ref-bg: #f8fafc;
  --ref-border: #e2e8f0;
  --ref-border-focus: #3b82f6;
  --ref-shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --ref-shadow-md: 0 4px 6px -1px rgba(0,0,0,0.08), 0 2px 4px -1px rgba(0,0,0,0.04);
  --ref-shadow-lg: 0 10px 25px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --ref-shadow-hover: 0 20px 30px -10px rgba(0, 100, 229, 0.16);
  --ref-radius-sm: 10px;
  --ref-radius-md: 16px;
  --ref-radius-lg: 24px;
  --ref-transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================
   1. HERO SECTION
   ========================================== */
.ref-hero-section {
  position: relative;
  background: linear-gradient(135deg, #071120 0%, #0d1e38 50%, #172a4d 100%);
  color: #ffffff;
  padding: 100px 0 70px;
  overflow: hidden;
}

.ref-hero-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image: 
    radial-gradient(circle at 12% 25%, rgba(0, 100, 229, 0.3) 0%, transparent 45%),
    radial-gradient(circle at 88% 75%, rgba(245, 158, 11, 0.22) 0%, transparent 40%);
  pointer-events: none;
}

.ref-hero-container {
  max-width: 1300px;
  margin: 0 auto;
  padding: 0 20px;
  position: relative;
  z-index: 2;
  text-align: center;
}

.ref-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 6px 18px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 700;
  color: #fbbf24;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 20px;
}

.ref-hero-badge svg {
  width: 16px;
  height: 16px;
}

.ref-hero-title {
  font-size: clamp(32px, 4.2vw, 54px);
  font-weight: 800;
  line-height: 1.15;
  color: #ffffff;
  margin: 0 auto 18px;
  max-width: 860px;
  letter-spacing: -0.02em;
}

.ref-hero-title span {
  background: linear-gradient(135deg, #60a5fa 0%, #38bdf8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.ref-hero-subtitle {
  font-size: clamp(16px, 1.8vw, 19px);
  line-height: 1.6;
  color: #cbd5e1;
  max-width: 720px;
  margin: 0 auto 36px;
}

/* Feature Pills in Hero */
.ref-hero-perks {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
}

.ref-perk-pill {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  color: #e2e8f0;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.ref-perk-pill svg {
  width: 16px;
  height: 16px;
  color: #fbbf24;
}

/* ==========================================
   2. MAIN SECTION LAYOUT
   ========================================== */
.ref-main-section {
  background-color: var(--ref-bg);
  padding: 60px 0 90px;
}

.ref-layout-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  max-width: 1300px;
  margin: 0 auto;
  padding: 0 20px;
}

@media (max-width: 991px) {
  .ref-layout-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }
}

/* ==========================================
   3. 3-STEP PROCESS CARDS
   ========================================== */
.ref-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}

@media (max-width: 767px) {
  .ref-steps-grid {
    grid-template-columns: 1fr;
  }
}

.ref-step-card {
  background: #ffffff;
  border: 1px solid var(--ref-border);
  border-radius: var(--ref-radius-md);
  padding: 24px 20px;
  box-shadow: var(--ref-shadow-sm);
  display: flex;
  flex-direction: column;
  position: relative;
  transition: var(--ref-transition);
}

.ref-step-card:hover {
  transform: translateY(-3px);
  border-color: #0064e5;
  box-shadow: var(--ref-shadow-hover);
}

.ref-step-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}

.ref-step-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--ref-primary-light);
  color: var(--ref-primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.ref-step-icon svg {
  width: 22px;
  height: 22px;
}

.ref-step-num {
  font-size: 12px;
  font-weight: 800;
  color: var(--ref-primary);
  background: var(--ref-primary-light);
  padding: 3px 10px;
  border-radius: 20px;
}

.ref-step-card h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--ref-dark);
  margin: 0 0 6px;
}

.ref-step-card p {
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--ref-text);
  margin: 0;
}

/* ==========================================
   4. DUAL REFERRAL FORM CONTAINER
   ========================================== */
.ref-form-wrapper {
  background: #ffffff;
  border-radius: var(--ref-radius-lg);
  border: 1px solid var(--ref-border);
  box-shadow: var(--ref-shadow-md);
  padding: 40px 36px;
  margin-bottom: 40px;
}

@media (max-width: 767px) {
  .ref-form-wrapper {
    padding: 28px 20px;
  }
}

.ref-form-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 36px;
}

.ref-form-header h2 {
  font-size: 26px;
  font-weight: 800;
  color: var(--ref-dark);
  margin: 0 0 8px;
}

.ref-form-header p {
  font-size: 15px;
  color: var(--ref-text-muted);
  margin: 0;
}

.ref-form-columns-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

@media (max-width: 767px) {
  .ref-form-columns-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

.ref-form-panel {
  background: #f8fafc;
  border: 1px solid var(--ref-border);
  border-radius: var(--ref-radius-md);
  padding: 28px 24px;
}

.ref-panel-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--ref-dark);
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid #e2e8f0;
  display: flex;
  align-items: center;
  gap: 8px;
}

.ref-panel-title svg {
  color: var(--ref-primary);
  width: 20px;
  height: 20px;
}

/* Form Inputs */
.ref-form-group {
  margin-bottom: 16px;
}

.ref-form-group label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ref-dark);
  margin-bottom: 6px;
}

.ref-form-group label span.req {
  color: #ef4444;
}

.ref-form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.ref-input-control {
  width: 100%;
  padding: 12px 16px;
  font-size: 14.5px;
  color: var(--ref-dark);
  background: #ffffff;
  border: 1px solid var(--ref-border);
  border-radius: 10px;
  outline: none;
  transition: var(--ref-transition);
  box-sizing: border-box;
}

.ref-input-control:focus {
  border-color: var(--ref-border-focus);
  box-shadow: 0 0 0 3px rgba(0, 100, 229, 0.15);
  background: #ffffff;
}

textarea.ref-input-control {
  min-height: 90px;
  resize: vertical;
}

/* Submit Action Bar */
.ref-submit-bar {
  margin-top: 30px;
  padding-top: 24px;
  border-top: 1px solid var(--ref-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.ref-submit-btn {
  background: linear-gradient(135deg, #0064e5 0%, #004bb5 100%);
  color: #ffffff;
  border: none;
  padding: 14px 34px;
  border-radius: 50px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 8px 20px rgba(0, 100, 229, 0.35);
  transition: var(--ref-transition);
}

.ref-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 25px rgba(0, 100, 229, 0.45);
}

.ref-privacy-note {
  font-size: 13px;
  color: var(--ref-text-muted);
  display: flex;
  align-items: center;
  gap: 6px;
}

.ref-privacy-note svg {
  width: 16px;
  height: 16px;
  color: #10b981;
}

/* ==========================================
   5. WHY REFER MAXCOVER CARDS
   ========================================== */
.ref-value-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}

@media (max-width: 767px) {
  .ref-value-grid {
    grid-template-columns: 1fr;
  }
}

.ref-value-card {
  background: #ffffff;
  border: 1px solid var(--ref-border);
  border-radius: var(--ref-radius-md);
  padding: 26px 22px;
  box-shadow: var(--ref-shadow-sm);
  text-align: center;
}

.ref-value-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--ref-primary-light);
  color: var(--ref-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
}

.ref-value-icon svg {
  width: 26px;
  height: 26px;
}

.ref-value-card h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--ref-dark);
  margin: 0 0 8px;
}

.ref-value-card p {
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--ref-text);
  margin: 0;
}

/* ==========================================
   6. SIDEBAR WIDGETS
   ========================================== */
.ref-sidebar {
  display: flex;
  flex-direction: column;
  gap: 30px;
}

.ref-widget {
  background: #ffffff;
  border-radius: var(--ref-radius-md);
  padding: 28px 24px;
  border: 1px solid var(--ref-border);
  box-shadow: var(--ref-shadow-sm);
}

.ref-widget-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--ref-dark);
  margin: 0 0 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--ref-primary-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.ref-widget-title svg {
  color: var(--ref-primary);
  width: 20px;
  height: 20px;
}

/* Consultation / Agent Contact Widget */
.ref-cta-widget {
  background: linear-gradient(135deg, #071120 0%, #172a4d 100%);
  color: #ffffff;
  border-radius: var(--ref-radius-md);
  padding: 32px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 25px rgba(0, 100, 229, 0.2);
}

.ref-cta-widget::before {
  content: '';
  position: absolute;
  top: -50%; right: -50%;
  width: 200%; height: 200%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.ref-cta-icon-wrap {
  width: 60px;
  height: 60px;
  margin: 0 auto 16px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fbbf24;
}

.ref-cta-icon-wrap svg {
  width: 28px;
  height: 28px;
}

.ref-cta-title {
  font-size: 20px;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 10px;
}

.ref-cta-desc {
  font-size: 14px;
  line-height: 1.5;
  color: #cbd5e1;
  margin: 0 0 20px;
}

.ref-cta-phone-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #ffffff;
  color: #0f172a;
  padding: 12px 20px;
  border-radius: 50px;
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
  margin-bottom: 12px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
  transition: var(--ref-transition);
}

.ref-cta-phone-btn:hover {
  background: #f8fafc;
  transform: translateY(-2px);
  color: #0064e5;
}

.ref-cta-quote-btn {
  display: block;
  background: rgba(255, 255, 255, 0.15);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  padding: 10px 20px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: var(--ref-transition);
}

.ref-cta-quote-btn:hover {
  background: rgba(255, 255, 255, 0.25);
  border-color: #ffffff;
}