.referral-guide{background:var(--frost);padding:28px 0 60px}.guide-shell{max-width:1040px}.guide-back{display:inline-flex;color:var(--link);font-size:14px;padding:8px 0;margin-bottom:24px}.guide-back:hover{text-decoration:underline}.guide-hero{display:flex;align-items:center;justify-content:space-between;gap:36px;padding:8px 0 34px}.guide-hero h1{font-size:clamp(34px,4.3vw,52px);font-weight:600;line-height:1.1;letter-spacing:-.04em;margin:0}.guide-lead{font-size:20px;line-height:1.5;max-width:650px;color:var(--ash);margin:18px 0 0}.guide-present{display:grid;place-items:center;flex:none;width:130px;height:120px}.guide-present .pricing-gift{transform:scale(2) rotate(-7deg)}.referral-guide h2{font-size:27px;font-weight:600;line-height:1.2;letter-spacing:-.025em;margin:0}.referral-guide h3{font-size:18px;font-weight:600;margin:12px 0 9px;line-height:1.4}.guide-how,.guide-rates,.guide-details{margin-top:22px}.guide-how{border-top:1px solid var(--line);padding-top:26px}.guide-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:22px}.guide-steps article{padding-right:12px}.guide-step-number{display:grid;place-items:center;width:28px;height:28px;border-radius:9px;background:#e8eef4;color:#5e7690;font-size:13px;font-weight:600}.guide-steps article:nth-child(2) .guide-step-number{background:#e6f2ed;color:#4c816c}.guide-steps article:nth-child(3) .guide-step-number{background:#fbefda;color:#a67c37}.guide-steps p,.guide-section-head p,.guide-example p,.guide-details p,.guide-cta p{font-size:16px;line-height:1.6;color:var(--ash);margin:8px 0 0}.guide-rates{padding-top:24px}.guide-rate-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}.guide-rate-grid article{padding:22px;text-align:center;background:#fff;border:1px solid #e2e2e5;border-radius:15px}.guide-rate-grid article:nth-child(2){background:#f2f8f5;border-color:#dceae2}.guide-rate-grid article:nth-child(3){background:#fcf8ee;border-color:#eee4ca}.guide-rate-grid p{color:var(--ash);font-size:14px;margin:0}.guide-rate-grid strong{display:block;color:var(--carbon);font-size:40px;font-weight:600;letter-spacing:-1px;margin:10px 0 4px}.guide-rate-grid span{font-size:13px;color:var(--ash)}.guide-caption{font-size:12px;line-height:1.5;color:var(--ash);text-align:center;margin-top:10px}.guide-example{display:grid;grid-template-columns:1.4fr 1fr;align-items:center;gap:30px;background:#fff;border:1px solid #e2e2e5;border-radius:18px;padding:28px 30px;margin-top:26px}.guide-example .kicker{font-size:11px;margin:0 0 9px;color:var(--link)}.guide-example h2{font-size:25px}.guide-equation{text-align:center;border-left:1px solid #e2e2e5;padding:12px 0 12px 24px}.guide-equation>span{display:block;font-size:21px;color:var(--ash)}.guide-equation b{display:block;font-size:38px;font-weight:600;letter-spacing:-1px;margin-top:4px}.guide-equation small{display:block;font-size:12px;color:var(--ash);margin-top:6px}.guide-details{padding-top:8px}.guide-details h2{margin-bottom:12px}.guide-details details{border-bottom:1px solid #dedee3;padding:16px 0}.guide-details summary{font-size:16px;font-weight:500;line-height:1.5;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:14px}.guide-details summary::-webkit-details-marker{display:none}.guide-details summary:after{content:'+';color:var(--ash);font-size:21px;font-weight:400}.guide-details details[open] summary:after{content:'−'}.guide-details details>div{max-width:850px;padding:4px 28px 2px 0}.guide-details p{font-size:15px}.guide-cta{margin-top:32px;text-align:center;padding:28px 0 0}.guide-cta h2{font-size:27px}.guide-cta>div{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:20px}.guide-cta .button-outline{border-color:var(--line);background:transparent}.referral-guide a:focus-visible,.referral-guide summary:focus-visible{outline:3px solid #99caff;outline-offset:5px}
@media(max-width:700px){.referral-guide{padding-top:18px}.guide-back{margin-bottom:16px}.guide-hero{gap:14px;padding-bottom:26px}.guide-hero h1{font-size:35px}.guide-lead{font-size:17px}.guide-present{width:65px;height:90px}.guide-present .pricing-gift{transform:scale(1.2) rotate(-7deg)}.guide-steps{grid-template-columns:1fr;gap:20px}.guide-steps article{position:relative;padding:0 0 0 43px}.guide-step-number{position:absolute;left:0;top:0}.referral-guide h3{margin-top:0}.guide-rate-grid{gap:8px}.guide-rate-grid article{padding:17px 7px}.guide-rate-grid strong{font-size:31px}.guide-rate-grid p{font-size:12px}.guide-rate-grid span{font-size:11px}.guide-example{grid-template-columns:1fr;padding:24px;gap:20px}.guide-equation{border-left:0;border-top:1px solid #e2e2e5;padding:18px 0 0}.guide-equation>span,.guide-equation>b{display:inline;font-size:28px}.guide-equation>b{margin-left:8px}.guide-cta .button{width:100%;max-width:310px}.guide-cta h2{font-size:25px}}

/* Same three-step banner and artwork as the signed-in referral page. */
.guide-referral-banner{display:grid;grid-template-columns:1fr 1fr 1.12fr;gap:0;padding:24px 18px;margin-top:20px;border:1px solid #dae3ee;border-radius:16px;background:linear-gradient(110deg,#fff,#fafcff);align-items:stretch}
.guide-referral-banner>.fr-banner-step{display:flex;align-items:center;gap:13px;min-width:0;position:relative;padding:0 18px}
.guide-referral-banner>.fr-banner-step:first-child{padding-left:7px}
.guide-referral-banner>.fr-banner-step:last-child{padding-right:0}
.guide-referral-banner>.fr-banner-step+.fr-banner-step{border-left:1px solid #e6edf5}
.guide-referral-banner>.fr-banner-step+.fr-banner-step:before{content:'';position:absolute;left:-4px;top:50%;width:9px;height:9px;border-right:2px solid #95a3b5;border-top:2px solid #95a3b5;transform:translateY(-50%) rotate(45deg);background:#fcfdff;box-shadow:3px -3px 0 5px #fcfdff}
.guide-referral-banner .fr-banner-icon{display:grid;place-items:center;flex:0 0 48px;width:48px;height:48px;border-radius:50%;background:#e4f3ff;color:#12364d}
.guide-referral-banner .fr-banner-user{background:#e3f8ea;color:#108333}
.guide-referral-banner .fr-banner-gift{background:#fff2dc;color:#d48a0c}
.guide-referral-banner .fr-banner-icon svg{width:27px;height:27px}
.guide-referral-banner .fr-banner-copy{min-width:0;flex:1}
.guide-referral-banner .fr-banner-copy h3{display:flex;align-items:flex-start;gap:7px;font-size:16px;line-height:1.4;letter-spacing:-.015em;font-weight:600;margin:0}
.guide-referral-banner .fr-banner-number{display:grid;place-items:center;flex:0 0 21px;width:21px;height:21px;border-radius:50%;background:#0877f8;color:#fff;font-size:12px;font-weight:600;line-height:1;margin:1px 0 0}
.guide-referral-banner .fr-banner-copy p{margin:9px 0 0;font-size:14px;line-height:1.5;color:var(--ash)}
@media(max-width:850px){.guide-referral-banner{padding:20px 14px}.guide-referral-banner>.fr-banner-step{padding:0 12px;gap:9px}.guide-referral-banner .fr-banner-icon{width:40px;height:40px;flex-basis:40px}.guide-referral-banner .fr-banner-icon svg{width:24px;height:24px}.guide-referral-banner .fr-banner-copy h3{font-size:15px}.guide-referral-banner .fr-banner-copy p{font-size:13px}}
@media(max-width:700px){.guide-referral-banner{grid-template-columns:1fr;padding:0 20px;margin-top:18px}.guide-referral-banner>.fr-banner-step,.guide-referral-banner>.fr-banner-step:first-child,.guide-referral-banner>.fr-banner-step:last-child{padding:20px 0;gap:16px}.guide-referral-banner>.fr-banner-step+.fr-banner-step{border-left:0;border-top:1px solid #e6edf5}.guide-referral-banner>.fr-banner-step+.fr-banner-step:before{display:none}.guide-referral-banner .fr-banner-icon{width:49px;height:49px;flex-basis:49px}.guide-referral-banner .fr-banner-icon svg{width:27px;height:27px}.guide-referral-banner .fr-banner-copy h3{font-size:16px}.guide-referral-banner .fr-banner-copy p{font-size:14px;margin-top:7px}}