.ib-ref-hero-cta{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;font-family:DM Sans,sans-serif;font-size:16px;font-weight:700;color:#fff;background:#4a69ff;border-radius:14px;text-decoration:none;transition:transform .15s,background .2s,box-shadow .2s;box-shadow:0 8px 24px -6px #4a69ff80}.ib-ref-hero-cta:hover{background:#3a56e8;transform:translateY(-2px);box-shadow:0 12px 30px -6px #4a69ff99}.ib-ref-kicker{display:block;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#4a69ff;margin-bottom:14px}.ib-ref-section-title{font-family:Space Grotesk,sans-serif;font-size:clamp(28px,3.6vw,40px);font-weight:700;color:#1b2a4a;line-height:1.15;letter-spacing:-.02em;margin:0 0 14px;-webkit-text-stroke:.4px currentColor}.ib-ref-section-sub{font-family:DM Sans,sans-serif;font-size:16px;color:#3d3d50;font-weight:500;line-height:1.55;max-width:520px;margin:0 auto}.ib-ref-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}@media(max-width:768px){.ib-ref-steps{grid-template-columns:1fr;gap:16px}}.ib-ref-step{text-align:center;padding:32px 24px;border:1px solid #e8ecf3;border-radius:20px;background:#fff;transition:transform .2s,border-color .2s,box-shadow .2s}.ib-ref-step:hover{transform:translateY(-4px);border-color:#4a69ff;box-shadow:0 12px 32px -8px #4a69ff1f}.ib-ref-step__num{width:48px;height:48px;margin:0 auto 18px;border-radius:50%;background:linear-gradient(135deg,#4a69ff,#6c85ff);color:#fff;font-family:Space Grotesk,sans-serif;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 16px -4px #4a69ff59}.ib-ref-step__title{font-family:Space Grotesk,sans-serif;font-size:18px;font-weight:700;color:#1b2a4a;margin-bottom:10px;line-height:1.3}.ib-ref-step__desc{font-family:DM Sans,sans-serif;font-size:15px;color:#4a5568;line-height:1.65}.ib-ref-earn{background:#fafafb;padding:96px 0 104px;font-family:DM Sans,sans-serif}@media(max-width:768px){.ib-ref-earn{padding:68px 0 76px}}.ib-ref-regions{display:flex;flex-wrap:wrap;justify-content:center;gap:8px;margin-bottom:40px}.ib-ref-region{padding:10px 20px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:600;color:#3d3d50;background:#fff;border:1.5px solid #E8E6E1;border-radius:100px;cursor:pointer;transition:all .2s}.ib-ref-region:hover{border-color:#a0a0a0}.ib-ref-region--active{color:#fff;background:#4a69ff;border-color:#4a69ff;box-shadow:0 4px 14px -4px #4a69ff66}.ib-ref-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;max-width:680px;margin:0 auto}@media(max-width:600px){.ib-ref-cards{grid-template-columns:1fr;gap:16px}}.ib-ref-card{background:#fff;border:1px solid #e8ecf3;border-radius:20px;padding:32px 28px;text-align:center;transition:transform .2s,box-shadow .2s}.ib-ref-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px -8px #4a69ff1f}.ib-ref-card__icon{font-size:36px;margin-bottom:14px}.ib-ref-card__title{font-family:Space Grotesk,sans-serif;font-size:17px;font-weight:700;color:#1b2a4a;margin-bottom:12px}.ib-ref-card__amount{display:flex;align-items:baseline;justify-content:center;gap:6px;margin-bottom:14px;transition:transform .25s cubic-bezier(.22,.61,.36,1)}.ib-ref-card__amount--pop{animation:ibRefPop .35s cubic-bezier(.22,.61,.36,1)}@keyframes ibRefPop{0%{transform:scale(1)}40%{transform:scale(1.15)}to{transform:scale(1)}}.ib-ref-card__value{font-family:Space Grotesk,sans-serif;font-size:36px;font-weight:800;color:#4a69ff;letter-spacing:-.02em}.ib-ref-card__currency{font-family:Space Grotesk,sans-serif;font-size:20px;font-weight:700;color:#6e6e80}.ib-ref-card__desc{font-size:14px;color:#4a5568;line-height:1.6}.ib-ref-form-section{font-family:DM Sans,sans-serif;color:#3d3d50;background:#fff;padding:96px 0 104px;line-height:1.55;-webkit-font-smoothing:antialiased;scroll-margin-top:100px}@media(max-width:768px){.ib-ref-form-section{padding:68px 0 76px}}.ib-ref-form-card{background:#fff;border:1px solid #E8E6E1;border-radius:24px;box-shadow:0 24px 60px -24px #1a1a2e1a;overflow:hidden}.ib-ref-tabs{display:flex;border-bottom:1.5px solid #F1EFEA;overflow-x:auto}.ib-ref-tab{flex:1;padding:16px 12px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:600;color:#6e6e80;background:transparent;border:0;border-bottom:2.5px solid transparent;cursor:pointer;transition:color .2s,border-color .2s,background .2s;white-space:nowrap}.ib-ref-tab:hover{color:#1b2a4a;background:#fafafb}.ib-ref-tab--active{color:#4a69ff;border-bottom-color:#4a69ff;background:#f2f4ff}.ib-ref-form{display:none;padding:32px 36px 36px;animation:ibRefFadeIn .3s ease-out}@media(max-width:768px){.ib-ref-form{padding:24px 20px 28px}}.ib-ref-form--active{display:block}@keyframes ibRefFadeIn{0%{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}.ib-ref-fieldset{border:0;padding:0;margin:0 0 24px}.ib-ref-legend{font-family:Space Grotesk,sans-serif;font-size:15px;font-weight:700;color:#1b2a4a;letter-spacing:-.01em;margin-bottom:16px;padding-bottom:8px;border-bottom:1px solid #F1EFEA;display:block;width:100%}.ib-ref-field{margin-bottom:14px;display:flex;flex-direction:column;gap:5px}.ib-ref-label{font-size:13px;font-weight:600;color:#1b2a4a;display:flex;align-items:center;gap:4px}.ib-ref-req{color:#e73e01;font-weight:700}.ib-ref-opt{color:#a0a0a0;font-weight:500;font-size:12px}.ib-ref-err{font-size:12px;color:#e73e01;font-weight:600;display:none}.ib-ref-field--error .ib-ref-err{display:block}.ib-ref-field--error .ib-ref-input,.ib-ref-field--error .ib-ref-select,.ib-ref-field--error .ib-ref-textarea{border-color:#e73e01!important}.ib-ref-input,.ib-ref-select,.ib-ref-textarea{width:100%;padding:12px 14px;font-family:inherit;font-size:15px;color:#1b2a4a;background:#fff;border:1.5px solid #E8E6E1;border-radius:10px;transition:border-color .2s,box-shadow .2s;line-height:1.4}@media(max-width:768px){.ib-ref-input,.ib-ref-select,.ib-ref-textarea,.ib-ref-phone-input{font-size:16px!important}}.ib-ref-input::placeholder,.ib-ref-textarea::placeholder{color:#a0a0a0;font-weight:500}.ib-ref-input:focus,.ib-ref-select:focus,.ib-ref-textarea:focus{outline:none;border-color:#4a69ff;box-shadow:0 0 0 3px #4a69ff1f}.ib-ref-select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%236E6E80' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}.ib-ref-textarea{resize:vertical;min-height:80px;font-family:inherit}.ib-ref-grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:520px){.ib-ref-grid2{grid-template-columns:1fr}}.ib-ref-phone-wrap{display:flex;align-items:stretch;border:1.5px solid #E8E6E1;border-radius:10px;overflow:hidden;background:#fff;transition:border-color .2s,box-shadow .2s}.ib-ref-phone-wrap:focus-within{border-color:#4a69ff;box-shadow:0 0 0 3px #4a69ff1f}.ib-ref-phone-cc{padding:0 24px 0 10px;font-size:14px;font-weight:600;color:#1b2a4a;background:#fafafb;border:0;border-right:1.5px solid #F1EFEA;min-width:90px;cursor:pointer;appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='none' stroke='%236E6E80' stroke-width='2' stroke-linecap='round' d='M1 1l4 4 4-4'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 8px center}.ib-ref-phone-input{flex:1;padding:12px 14px;font-family:inherit;font-size:15px;color:#1b2a4a;background:#fff;border:0;outline:none;line-height:1.4;min-width:0}.ib-ref-phone-input::placeholder{color:#a0a0a0;font-weight:500}.ib-ref-submit{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;margin-top:8px;font-family:DM Sans,sans-serif;font-size:15px;font-weight:700;color:#fff;background:#4a69ff;border:0;border-radius:12px;cursor:pointer;transition:transform .15s,background .2s,box-shadow .2s;box-shadow:0 8px 20px -6px #4a69ff73;width:100%;justify-content:center}.ib-ref-submit:hover{background:#3a56e8;transform:translateY(-1px);box-shadow:0 12px 26px -6px #4a69ff8c}.ib-ref-submit:disabled{background:#a0a0a0;cursor:not-allowed;transform:none;box-shadow:none}.ib-ref-submit__spinner{width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:ibRefSpin .7s linear infinite}@keyframes ibRefSpin{to{transform:rotate(360deg)}}.ib-ref-success{padding:56px 36px 48px;text-align:center;animation:ibRefFadeIn .4s ease-out}.ib-ref-success__ico{width:72px;height:72px;border-radius:50%;margin:0 auto 20px;display:flex;align-items:center;justify-content:center;font-size:34px;font-weight:800;line-height:1;color:#fff;background:linear-gradient(135deg,#28a745,#2fcf5a);box-shadow:0 12px 30px -10px #28a74573}.ib-ref-success__title{font-family:Space Grotesk,sans-serif;font-size:24px;font-weight:800;color:#1b2a4a;margin-bottom:12px;letter-spacing:-.02em}.ib-ref-success__sub{font-size:15px;color:#3d3d50;font-weight:500;line-height:1.55;margin-bottom:24px}.ib-ref-success__reset{padding:12px 24px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:700;color:#1b2a4a;background:#fff;border:1.5px solid #E8E6E1;border-radius:12px;cursor:pointer;transition:border-color .2s,box-shadow .2s}.ib-ref-success__reset:hover{border-color:#4a69ff;box-shadow:0 4px 14px -6px #4a69ff4d}.axfq{font-family:DM Sans,sans-serif;color:#3d3d50;background:#fff;padding:96px 0 104px;line-height:1.55;-webkit-font-smoothing:antialiased}@media(max-width:768px){.axfq{padding:68px 0 76px}}.axfq *{box-sizing:border-box}.axfq a{color:inherit;text-decoration:none}.axfq__wrap{max-width:820px;margin:0 auto;padding:0 24px}@media(max-width:768px){.axfq__wrap{padding:0 20px}}.axfq__head{text-align:center;max-width:640px;margin:0 auto 48px}@media(max-width:768px){.axfq__head{margin-bottom:36px}}.axfq__kicker{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#4a69ff;margin-bottom:14px;display:block}.axfq__title{font-family:Space Grotesk,sans-serif;font-size:clamp(28px,3.6vw,40px);font-weight:700;color:#1b2a4a;line-height:1.15;letter-spacing:-.02em;margin:0 0 14px;-webkit-text-stroke:.4px currentColor}.axfq__sub{font-size:16px;color:#3d3d50;font-weight:500;line-height:1.55;max-width:520px;margin:0 auto}.axfq__list{max-width:760px;margin:0 auto;list-style:none;padding:0;border-top:1px solid #F1EFEA}.axfq__item{list-style:none;border-bottom:1px solid #F1EFEA;overflow:hidden;padding:0}.axfq__item:before{content:none!important}.axfq__q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:24px 4px;font-family:DM Sans,sans-serif;font-size:17px;font-weight:600;color:#1b2a4a;background:transparent;border:0;text-align:left;cursor:pointer;line-height:1.4;list-style:none;transition:color .2s ease}.axfq__q::-webkit-details-marker{display:none}.axfq__q:hover{color:#4a69ff}.axfq__q svg{flex-shrink:0;width:22px;height:22px;transition:transform .3s cubic-bezier(.22,.61,.36,1);stroke:#1b2a4a}.axfq__item[open] .axfq__q svg{transform:rotate(45deg);stroke:#4a69ff}.axfq__a{padding:0 4px 28px;font-size:15px;color:#3d3d50;font-weight:500;line-height:1.65;max-width:720px;animation:axfqSlide .3s ease-out}@keyframes axfqSlide{0%{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}.axfq__a a{color:#4a69ff;text-decoration:underline}.axfq__a strong{color:#1b2a4a;font-weight:700}