.neo-referral-public-body {
  background: #01040a;
  color: #eef7ff;
}

.neo-ref-landing {
  --ref-bg: #01040a;
  --ref-panel: rgba(7, 17, 34, .88);
  --ref-panel-2: rgba(10, 23, 43, .82);
  --ref-line: rgba(120, 167, 205, .18);
  --ref-cyan: #47e7f3;
  --ref-cyan-2: #2ec5ff;
  --ref-blue: #74a7ff;
  --ref-green: #40e6af;
  --ref-text: #eff8ff;
  --ref-muted: #96abc0;
  --ref-shadow: 0 28px 80px rgba(0, 0, 0, .42);
  position: relative;
  overflow: hidden;
  min-height: 100vh;
  background:
    radial-gradient(circle at 16% 8%, rgba(18, 193, 210, .12), transparent 30%),
    radial-gradient(circle at 88% 12%, rgba(44, 110, 255, .16), transparent 32%),
    linear-gradient(180deg, #02070e 0%, #01040a 42%, #020711 100%);
  color: var(--ref-text);
}

.neo-ref-landing *, .neo-ref-landing *::before, .neo-ref-landing *::after { box-sizing: border-box; }
.neo-ref-landing a { text-decoration: none; }
.neo-ref-shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.neo-ref-ambient { position: absolute; pointer-events: none; border-radius: 999px; filter: blur(85px); opacity: .2; z-index: 0; }
.neo-ref-ambient--one { width: 360px; height: 360px; background: #14d9e6; top: 180px; left: -220px; }
.neo-ref-ambient--two { width: 520px; height: 520px; background: #2468ff; top: 640px; right: -330px; opacity: .16; }

.neo-ref-pause {
  position: relative; z-index: 5; margin: 18px auto 0; width: min(1120px, calc(100% - 32px));
  border: 1px solid rgba(251,191,36,.26); background: rgba(69,43,3,.28); color: #fde68a;
  border-radius: 14px; padding: 12px 16px; font-size: 13px; text-align: center;
}
.neo-ref-pause__dot { display:inline-block; width:8px; height:8px; border-radius:50%; margin-right:8px; background:#fbbf24; box-shadow:0 0 14px rgba(251,191,36,.85); }

.neo-ref-hero { position: relative; z-index: 1; padding: 92px 0 68px; border-bottom: 1px solid rgba(148,163,184,.10); }
.neo-ref-hero::after {
  content:""; position:absolute; inset:0; pointer-events:none; opacity:.15;
  background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 52px 52px; mask-image: linear-gradient(to bottom, rgba(0,0,0,.9), transparent 92%);
}
.neo-ref-hero__grid { position: relative; z-index: 2; display:grid; grid-template-columns: minmax(0,1.04fr) minmax(420px,.96fr); gap:72px; align-items:center; }
.neo-ref-kicker, .neo-ref-eyebrow { font-size:11px; font-weight:800; letter-spacing:.18em; text-transform:uppercase; color:#79f1f8; }
.neo-ref-kicker { display:inline-flex; align-items:center; gap:9px; padding:9px 13px; border:1px solid rgba(71,231,243,.28); background:rgba(18,150,167,.10); border-radius:999px; box-shadow:0 0 34px rgba(47,213,235,.08); }
.neo-ref-kicker__dot { width:6px; height:6px; border-radius:50%; background:#40e6af; box-shadow:0 0 15px rgba(64,230,175,.8); }
.neo-ref-hero h1 { margin:22px 0 18px; max-width:760px; font-size:clamp(44px,6vw,78px); line-height:.98; letter-spacing:-.045em; color:#fff; font-weight:900; }
.neo-ref-hero h1 span { display:inline-block; color:transparent; background:linear-gradient(105deg,#5ef6c0,#42e9f5 50%,#7eb2ff); -webkit-background-clip:text; background-clip:text; filter:drop-shadow(0 0 24px rgba(53,227,206,.2)); }
.neo-ref-hero__lead { margin:0; max-width:690px; color:#b4c5d6; font-size:18px; line-height:1.72; }
.neo-ref-hero__chips { display:flex; flex-wrap:wrap; gap:9px; margin:28px 0; }
.neo-ref-hero__chips span { border:1px solid rgba(120,167,205,.20); background:rgba(12,25,45,.62); color:#b9cbe0; padding:8px 11px; border-radius:999px; font-size:12px; }
.neo-ref-hero__chips strong { color:#65e9c4; }
.neo-ref-hero__actions, .neo-ref-final__actions { display:flex; flex-wrap:wrap; gap:12px; align-items:center; }
.neo-ref-btn { min-height:48px; display:inline-flex; align-items:center; justify-content:center; gap:10px; padding:0 19px; border-radius:13px; font-size:14px; font-weight:800; transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease,background .18s ease; }
.neo-ref-btn svg { width:18px; height:18px; }
.neo-ref-btn--primary { color:#021116; border:1px solid rgba(80,244,211,.72); background:linear-gradient(100deg,#48e7b6,#42d9f3); box-shadow:0 14px 40px rgba(50,222,194,.18),0 0 0 1px rgba(255,255,255,.08) inset; }
.neo-ref-btn--primary:hover { transform:translateY(-2px); box-shadow:0 18px 50px rgba(50,222,194,.28); }
.neo-ref-btn--ghost { color:#d9edf8; border:1px solid rgba(91,215,236,.32); background:rgba(7,17,34,.68); }
.neo-ref-btn--ghost:hover { transform:translateY(-2px); border-color:rgba(91,215,236,.62); background:rgba(10,31,51,.86); }
.neo-ref-btn--disabled { color:#94a3b8; border:1px solid rgba(148,163,184,.18); background:rgba(15,23,42,.68); cursor:not-allowed; }
.neo-ref-hero__micro { margin:17px 0 0; color:#71879a; font-size:11px; line-height:1.5; }

.neo-ref-wallet-wrap { position:relative; }
.neo-ref-wallet-glow { position:absolute; inset:10% -8% 0; background:radial-gradient(circle,#11d0de 0,rgba(35,111,255,.3) 28%,transparent 68%); filter:blur(42px); opacity:.34; }
.neo-ref-wallet { position:relative; border:1px solid rgba(80,220,238,.24); border-radius:26px; padding:24px; background:linear-gradient(180deg,rgba(8,18,38,.94),rgba(3,10,23,.96)); box-shadow:var(--ref-shadow),0 0 60px rgba(40,178,211,.09),inset 0 1px 0 rgba(255,255,255,.04); overflow:hidden; }
.neo-ref-wallet::before { content:""; position:absolute; width:220px; height:220px; border-radius:50%; right:-90px; top:-100px; background:rgba(52,211,238,.14); filter:blur(20px); }
.neo-ref-wallet__top { position:relative; display:flex; justify-content:space-between; align-items:flex-start; gap:20px; }
.neo-ref-wallet__top h2 { margin:6px 0 0; font-size:19px; }
.neo-ref-wallet__live { display:flex; align-items:center; gap:7px; font-size:11px; color:#78eac6; text-transform:uppercase; letter-spacing:.12em; }
.neo-ref-wallet__live i { width:7px; height:7px; border-radius:50%; background:#40e6af; box-shadow:0 0 12px rgba(64,230,175,.8); }
.neo-ref-wallet__balance { margin:24px 0 18px; padding:20px; border-radius:18px; border:1px solid rgba(78,235,208,.20); background:linear-gradient(135deg,rgba(20,88,88,.18),rgba(16,42,70,.35)); }
.neo-ref-wallet__balance span { display:block; color:#9db2c5; font-size:12px; }
.neo-ref-wallet__balance strong { display:block; margin:4px 0; font-size:36px; letter-spacing:-.035em; color:#fff; }
.neo-ref-wallet__balance small { color:#6fe6c2; font-size:11px; }
.neo-ref-wallet__rows { display:grid; gap:9px; }
.neo-ref-wallet__row { display:grid; grid-template-columns:32px 1fr auto; gap:10px; align-items:center; padding:11px 12px; border-radius:14px; background:rgba(6,14,28,.82); border:1px solid rgba(107,142,176,.14); }
.neo-ref-wallet__icon { width:30px; height:30px; display:grid; place-items:center; border-radius:9px; background:rgba(64,230,175,.09); color:#54e2ba; }
.neo-ref-wallet__row span:nth-child(2) b { display:block; font-size:12px; color:#dfefff; }
.neo-ref-wallet__row span:nth-child(2) small { display:block; color:#71879a; font-size:10px; margin-top:2px; }
.neo-ref-wallet__row > strong { font-size:12px; color:#5ce4bc; white-space:nowrap; }
.neo-ref-wallet__more { text-align:center; color:#6f8599; font-size:10px; padding:4px; }
.neo-ref-wallet__invoice { margin-top:17px; padding-top:15px; border-top:1px solid rgba(148,163,184,.12); display:grid; gap:9px; }
.neo-ref-wallet__invoice > div { display:flex; justify-content:space-between; gap:20px; color:#9bb0c3; font-size:12px; }
.neo-ref-wallet__invoice strong { color:#edf8ff; }
.neo-ref-wallet__invoice .is-credit, .neo-ref-mini-invoice .is-credit { color:#5be1b8; }
.neo-ref-wallet__total { margin-top:4px; padding-top:11px; border-top:1px dashed rgba(148,163,184,.14); align-items:end; }
.neo-ref-wallet__total strong { font-size:25px; color:#fff; }
.neo-ref-wallet__success { margin-top:14px; border-radius:12px; padding:10px 12px; color:#a7f3d0; background:rgba(16,185,129,.09); border:1px solid rgba(52,211,153,.18); font-size:11px; text-align:center; }
.neo-ref-wallet__surplus { margin-top:8px; text-align:center; color:#80def2; font-size:10px; }

.neo-ref-strip { position:relative; z-index:2; border-bottom:1px solid rgba(148,163,184,.10); background:rgba(4,10,19,.78); }
.neo-ref-strip__grid { display:grid; grid-template-columns:repeat(4,1fr); }
.neo-ref-strip__grid > div { padding:21px 24px; border-left:1px solid rgba(148,163,184,.10); }
.neo-ref-strip__grid > div:first-child { border-left:0; }
.neo-ref-strip strong { display:block; font-size:18px; color:#eaf8ff; }
.neo-ref-strip span { display:block; margin-top:4px; font-size:10px; color:#778da3; line-height:1.35; }

.neo-ref-section { position:relative; z-index:1; padding:92px 0; }
.neo-ref-section + .neo-ref-section { border-top:1px solid rgba(148,163,184,.075); }
.neo-ref-section-head { max-width:760px; margin-bottom:42px; }
.neo-ref-section-head h2, .neo-ref-recurring__copy h2, .neo-ref-zero__copy h2, .neo-ref-faq-copy h2, .neo-ref-final h2 { margin:9px 0 12px; color:#f8fbff; font-size:clamp(30px,4vw,50px); line-height:1.08; letter-spacing:-.035em; }
.neo-ref-section-head p, .neo-ref-recurring__copy > p, .neo-ref-faq-copy > p, .neo-ref-final > p { margin:0; color:var(--ref-muted); font-size:15px; line-height:1.7; }

.neo-ref-steps { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; }
.neo-ref-step { position:relative; min-height:360px; padding:20px; border-radius:20px; border:1px solid var(--ref-line); background:linear-gradient(180deg,rgba(9,20,37,.84),rgba(5,12,24,.88)); box-shadow:inset 0 1px 0 rgba(255,255,255,.025); overflow:hidden; }
.neo-ref-step::after { content:""; position:absolute; width:120px; height:120px; right:-70px; bottom:-70px; background:#1bd3e3; border-radius:50%; filter:blur(44px); opacity:.08; }
.neo-ref-step__number { display:block; color:#4d6a83; font-size:11px; font-weight:800; letter-spacing:.14em; }
.neo-ref-step__visual { height:132px; margin:18px 0 22px; border-radius:16px; border:1px solid rgba(95,151,186,.18); background:rgba(2,9,19,.72); display:flex; flex-direction:column; justify-content:center; align-items:center; position:relative; overflow:hidden; }
.neo-ref-step h3 { margin:0 0 8px; font-size:18px; color:#edf8ff; }
.neo-ref-step p { margin:0; font-size:12px; line-height:1.65; color:#8197aa; }
.neo-ref-code-card small, .neo-ref-applied-card small, .neo-ref-credit-card small { color:#69839a; font-size:9px; letter-spacing:.14em; }
.neo-ref-code-card strong, .neo-ref-applied-card strong { font-size:24px; letter-spacing:.08em; color:#fff; margin:8px 0; }
.neo-ref-code-card span { padding:5px 9px; border-radius:8px; border:1px solid rgba(51,216,230,.25); color:#69dce7; font-size:9px; }
.neo-ref-share-visual { flex-direction:row; gap:14px; }
.neo-ref-share-visual i { width:40px; height:40px; display:grid; place-items:center; border-radius:13px; border:1px solid rgba(80,230,220,.18); background:rgba(30,100,113,.12); color:#64e2dc; font-style:normal; font-size:18px; box-shadow:0 0 20px rgba(37,211,221,.05); }
.neo-ref-applied-card span { color:#63e0b9; font-size:10px; }
.neo-ref-credit-card strong { font-size:27px; color:#59e2b8; margin:8px 0; }
.neo-ref-credit-card span { color:#7890a6; font-size:9px; }

.neo-ref-recurring { background:linear-gradient(180deg,rgba(4,12,24,.22),rgba(6,15,31,.62),rgba(4,10,20,.24)); }
.neo-ref-recurring__grid { display:grid; grid-template-columns:.8fr 1.2fr; gap:70px; align-items:center; }
.neo-ref-callout { margin-top:28px; padding:18px; border:1px solid rgba(65,226,185,.16); border-radius:16px; background:rgba(15,88,73,.09); }
.neo-ref-callout strong { display:block; color:#b9fbe4; font-size:14px; }
.neo-ref-callout span { display:block; color:#79978e; font-size:11px; margin-top:6px; line-height:1.55; }
.neo-ref-months { padding:26px; border-radius:22px; border:1px solid var(--ref-line); background:rgba(6,14,28,.78); box-shadow:var(--ref-shadow); }
.neo-ref-month { position:relative; display:grid; grid-template-columns:15px 1fr auto; gap:15px; align-items:center; }
.neo-ref-month__dot { position:relative; z-index:2; width:10px; height:10px; border-radius:50%; background:#45e2bd; box-shadow:0 0 18px rgba(69,226,189,.45); }
.neo-ref-month small { display:block; color:#5e7890; font-size:9px; letter-spacing:.14em; }
.neo-ref-month strong { display:block; color:#e8f6ff; font-size:13px; margin:2px 0; }
.neo-ref-month div span { color:#7890a6; font-size:10px; }
.neo-ref-month > b { color:#59e2b8; font-size:13px; }
.neo-ref-month__line { width:1px; height:34px; margin:4px 0 4px 4px; background:linear-gradient(#3ee0b7,rgba(89,122,148,.12)); }

.neo-ref-simulator-section { background:radial-gradient(circle at 50% 15%,rgba(37,170,197,.08),transparent 38%); }
.neo-ref-simulator { display:grid; grid-template-columns:.9fr 1.1fr; border:1px solid rgba(96,137,181,.34); border-radius:26px; overflow:hidden; background:linear-gradient(135deg,#172235,#121c2d); box-shadow:0 32px 90px rgba(0,0,0,.30),0 0 60px rgba(41,191,208,.07),inset 0 1px 0 rgba(255,255,255,.035); }
.neo-ref-simulator__controls { padding:30px; border-right:1px solid rgba(129,155,188,.18); display:grid; gap:20px; align-content:center; background:linear-gradient(180deg,#182438,#152033); }
.neo-ref-simulator__controls label > span { display:block; color:#8fa5b8; font-size:11px; margin-bottom:8px; }
.neo-ref-simulator select { width:100%; min-height:48px; appearance:none; border:1px solid rgba(111,151,190,.34); border-radius:12px; background-color:#101a2b; color:#edf8ff; padding:0 40px 0 13px; font-size:12px; outline:none; background-image:linear-gradient(45deg,transparent 50%,#8fa8bf 50%),linear-gradient(135deg,#8fa8bf 50%,transparent 50%); background-position:calc(100% - 18px) 20px,calc(100% - 13px) 20px; background-size:5px 5px,5px 5px; background-repeat:no-repeat; }
.neo-ref-simulator select:focus { border-color:rgba(55,221,235,.55); box-shadow:0 0 0 3px rgba(55,221,235,.08); }
.neo-ref-quantity b { color:#6ce7c5; }
.neo-ref-quantity input[type=range] { width:100%; accent-color:#40dcb7; }
.neo-ref-range-labels { display:flex; justify-content:space-between; color:#536b81; font-size:9px; margin-top:2px; }
.neo-ref-simulator__result { position:relative; padding:30px; background:radial-gradient(circle at 100% 0,rgba(66,142,225,.16),transparent 44%),linear-gradient(180deg,#202c40,#1a2639); }
.neo-ref-simulator__badge { display:inline-flex; padding:6px 9px; border-radius:999px; border:1px solid rgba(74,220,230,.18); background:rgba(36,142,152,.08); color:#68dfe7; font-size:9px; letter-spacing:.16em; font-weight:800; }
.neo-ref-sim-main { margin:22px 0; }
.neo-ref-sim-main > span { display:block; color:#8ca2b6; font-size:11px; }
.neo-ref-sim-main > strong { display:block; font-size:43px; line-height:1.1; letter-spacing:-.04em; color:#fff; margin:5px 0; }
.neo-ref-sim-main small { color:#658096; font-size:10px; }
.neo-ref-sim-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:10px; }
.neo-ref-sim-grid > div { padding:12px; border-radius:13px; border:1px solid rgba(116,151,187,.22); background:#142034; box-shadow:inset 0 1px 0 rgba(255,255,255,.025); }
.neo-ref-sim-grid span { display:block; color:#71889d; font-size:9px; }
.neo-ref-sim-grid strong { display:block; color:#eaf8ff; font-size:14px; margin-top:4px; }
.neo-ref-progress { margin-top:22px; }
.neo-ref-progress__top { display:flex; justify-content:space-between; color:#8197aa; font-size:10px; }
.neo-ref-progress__top strong { color:#6be7c5; }
.neo-ref-progress__track { height:10px; margin:8px 0 10px; border-radius:999px; background:#111b2b; border:1px solid rgba(108,145,180,.22); overflow:hidden; }
.neo-ref-progress__track span { display:block; height:100%; border-radius:inherit; background:linear-gradient(90deg,#36d5b2,#35d5e9,#5c8cff); box-shadow:0 0 20px rgba(52,215,210,.25); transition:width .25s ease; }
#neo-ref-sim-status { margin:0; color:#7d95aa; font-size:11px; line-height:1.5; }
#neo-ref-sim-status.is-covered { color:#75e8c7; }
.neo-ref-simulator__note { margin:12px auto 0; text-align:center; color:#5f768b; font-size:10px; }

.neo-ref-use-section .neo-ref-section-head { max-width:900px; margin:0 auto 44px; text-align:center; }
.neo-ref-use-section .neo-ref-section-head p { max-width:780px; margin-left:auto; margin-right:auto; font-size:17px; line-height:1.72; }
.neo-ref-use-grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:16px; align-items:stretch; }
.neo-ref-use-card { min-height:350px; display:grid; grid-template-columns:52px 1fr; gap:18px; align-content:start; padding:25px; border:1px solid rgba(98,137,176,.28); border-radius:22px; background:linear-gradient(145deg,#1b293c,#162235); box-shadow:inset 0 1px 0 rgba(255,255,255,.025); }
.neo-ref-use-card--cyan { border-color:rgba(63,178,215,.30); background:linear-gradient(145deg,#1a2b40,#172438); }
.neo-ref-use-card--days { border-color:rgba(124,143,204,.30); background:linear-gradient(145deg,#202a42,#182238); }
.neo-ref-use-card__icon { width:50px; height:50px; border-radius:15px; display:grid; place-items:center; color:#66e6c4; background:rgba(50,207,170,.09); border:1px solid rgba(66,222,185,.18); font-size:22px; }
.neo-ref-use-card--cyan .neo-ref-use-card__icon { color:#62dff0; background:rgba(44,181,214,.11); border-color:rgba(62,205,236,.22); }
.neo-ref-use-card--days .neo-ref-use-card__icon { color:#9ab8ff; background:rgba(96,123,205,.13); border-color:rgba(126,151,222,.23); }
.neo-ref-use-card h3 { margin:6px 0 9px; font-size:24px; line-height:1.18; color:#edf8ff; }
.neo-ref-use-card p { margin:0; color:#94a9bc; font-size:14px; line-height:1.68; }
.neo-ref-mini-invoice { grid-column:1/-1; margin-top:17px; padding:18px; border-radius:15px; border:1px solid rgba(127,161,190,.24); background:#111b2b; display:grid; gap:12px; }
.neo-ref-mini-invoice div { display:flex; justify-content:space-between; align-items:center; gap:20px; font-size:14px; line-height:1.45; color:#9aafc1; }
.neo-ref-mini-invoice strong { color:#eef9ff; font-size:15px; font-weight:800; }
.neo-ref-use-warning { margin-top:18px; padding:15px 20px; border-radius:13px; border:1px solid rgba(148,163,184,.14); background:rgba(8,15,27,.72); color:#91a7ba; font-size:13px; line-height:1.6; text-align:center; }

.neo-ref-zero-section { padding-top:32px; }
.neo-ref-zero { position:relative; overflow:hidden; padding:46px 40px; border-radius:28px; border:1px solid rgba(61,224,204,.21); background:linear-gradient(120deg,rgba(5,24,30,.82),rgba(7,15,31,.92)); box-shadow:0 26px 80px rgba(0,0,0,.32); text-align:center; }
.neo-ref-zero::after { content:""; position:absolute; width:430px; height:430px; border-radius:50%; background:#1d9eba; right:-270px; top:-250px; filter:blur(80px); opacity:.18; }
.neo-ref-zero__copy { position:relative; z-index:1; max-width:850px; margin:0 auto; }
.neo-ref-zero__copy h2 span { color:#5ce6c4; }
.neo-ref-zero__copy p { margin:0 auto; max-width:820px; color:#9db0c1; line-height:1.7; font-size:15.5px; }
.neo-ref-zero__path { position:relative; z-index:1; display:flex; flex-wrap:wrap; justify-content:center; gap:12px; margin:30px 0; }
.neo-ref-zero__step { display:flex; align-items:center; gap:10px; padding:11px 14px; border-radius:13px; border:1px solid rgba(105,150,180,.18); background:rgba(3,10,20,.72); text-align:left; }
.neo-ref-zero__step > span { width:34px; height:34px; border-radius:10px; display:grid; place-items:center; background:rgba(65,215,190,.09); color:#5ae0bd; font-size:12px; font-weight:800; }
.neo-ref-zero__step strong { display:block; color:#e8f7ff; font-size:14px; }
.neo-ref-zero__step small { display:block; color:#7890a5; font-size:11px; margin-top:3px; }
.neo-ref-zero__step.is-final { border-color:rgba(74,225,188,.35); box-shadow:0 0 28px rgba(61,214,184,.08); }
.neo-ref-zero__line { position:relative; z-index:1; max-width:900px; margin:0 auto; padding-top:22px; border-top:1px solid rgba(148,163,184,.10); color:#91a8bb; font-size:14.5px; line-height:1.6; text-align:center; }
.neo-ref-zero__line strong { color:#c7f9eb; }

.neo-ref-products { display:grid; grid-template-columns:repeat(4,1fr); gap:13px; }
.neo-ref-product-card { padding:19px; border-radius:18px; border:1px solid var(--ref-line); background:rgba(7,15,29,.78); }
.neo-ref-product-card__top { display:flex; justify-content:space-between; gap:12px; align-items:center; }
.neo-ref-product-card__top span { color:#6ddfe9; font-size:9px; letter-spacing:.16em; font-weight:800; }
.neo-ref-product-card__top i { font-style:normal; padding:4px 7px; border-radius:999px; color:#6ee1bd; background:rgba(56,210,173,.08); border:1px solid rgba(56,210,173,.15); font-size:8px; }
.neo-ref-product-card h3 { margin:15px 0 3px; font-size:16px; color:#eaf7ff; }
.neo-ref-product-card p { margin:0; color:#6f879a; font-size:10px; }
.neo-ref-product-card__numbers { margin-top:18px; display:grid; gap:9px; }
.neo-ref-product-card__numbers div { display:flex; justify-content:space-between; gap:12px; padding-top:9px; border-top:1px solid rgba(148,163,184,.09); }
.neo-ref-product-card__numbers span { color:#6f879a; font-size:9px; }
.neo-ref-product-card__numbers strong { color:#eaf8ff; font-size:11px; }
.neo-ref-product-card__numbers div:last-child strong { color:#62e1bc; }
.neo-ref-products__note { margin:16px 0 0; color:#637b90; text-align:center; font-size:10px; }

.neo-ref-rules-section { background:linear-gradient(180deg,rgba(6,13,25,.15),rgba(5,14,29,.55)); }
.neo-ref-rules { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; }
.neo-ref-rules article { display:grid; grid-template-columns:34px 1fr; gap:12px; padding:18px; border-radius:16px; border:1px solid rgba(109,151,182,.14); background:rgba(5,12,24,.68); }
.neo-ref-rules article > span { width:32px; height:32px; display:grid; place-items:center; border-radius:10px; color:#66e0bd; background:rgba(52,211,153,.08); border:1px solid rgba(52,211,153,.13); }
.neo-ref-rules h3 { margin:0 0 5px; color:#e8f6ff; font-size:13px; }
.neo-ref-rules p { margin:0; color:#71899c; font-size:10px; line-height:1.55; }

.neo-ref-faq-grid { display:grid; grid-template-columns:.72fr 1.28fr; gap:70px; align-items:start; }
.neo-ref-faq-copy { position:sticky; top:90px; }
.neo-ref-faq { display:grid; gap:9px; }
.neo-ref-faq__item { border:1px solid rgba(111,154,187,.16); border-radius:15px; background:rgba(5,12,24,.72); overflow:hidden; }
.neo-ref-faq__item h3 { margin:0; }
.neo-ref-faq__item button { width:100%; min-height:58px; display:flex; align-items:center; justify-content:space-between; gap:20px; padding:13px 16px; border:0; background:transparent; color:#e9f7ff; text-align:left; cursor:pointer; font:inherit; font-size:12px; font-weight:700; }
.neo-ref-faq__item button i { flex:0 0 auto; width:28px; height:28px; display:grid; place-items:center; border-radius:9px; color:#6fddeb; background:rgba(43,171,196,.08); font-style:normal; font-size:18px; transition:transform .18s ease; }
.neo-ref-faq__item.is-open button i { transform:rotate(45deg); }
.neo-ref-faq__answer { padding:0 16px 16px; }
.neo-ref-faq__answer p { margin:0; color:#7d94a7; font-size:11px; line-height:1.65; }

.neo-ref-final-section { position:relative; z-index:1; padding:32px 0 100px; }
.neo-ref-final { position:relative; overflow:hidden; text-align:center; padding:64px 24px; border-radius:30px; border:1px solid rgba(72,229,203,.26); background:linear-gradient(120deg,rgba(7,36,39,.86),rgba(7,16,34,.94)); box-shadow:0 34px 100px rgba(0,0,0,.42); }
.neo-ref-final__glow { position:absolute; width:560px; height:300px; border-radius:50%; background:linear-gradient(90deg,#22d3b6,#22c9e5,#4f74ff); filter:blur(90px); opacity:.14; left:50%; top:-190px; transform:translateX(-50%); }
.neo-ref-final > *:not(.neo-ref-final__glow) { position:relative; z-index:1; }
.neo-ref-final h2 { max-width:760px; margin-left:auto; margin-right:auto; }
.neo-ref-final > p { max-width:650px; margin-left:auto; margin-right:auto; }
.neo-ref-final__actions { justify-content:center; margin-top:24px; }

@media (max-width: 980px) {
  .neo-ref-hero { padding-top:68px; }
  .neo-ref-hero__grid { grid-template-columns:1fr; gap:42px; }
  .neo-ref-wallet-wrap { width:min(620px,100%); margin:0 auto; }
  .neo-ref-steps { grid-template-columns:repeat(2,1fr); }
  .neo-ref-recurring__grid, .neo-ref-faq-grid { grid-template-columns:1fr; gap:38px; }
  .neo-ref-faq-copy { position:static; }
  .neo-ref-simulator { grid-template-columns:1fr; }
  .neo-ref-simulator__controls { border-right:0; border-bottom:1px solid rgba(148,163,184,.12); }
  .neo-ref-use-grid { grid-template-columns:repeat(3,minmax(0,1fr)); gap:12px; }
  .neo-ref-products { grid-template-columns:repeat(2,1fr); }
  .neo-ref-rules { grid-template-columns:repeat(2,1fr); }
}

@media (max-width: 980px) and (min-width: 721px) {
  .neo-ref-use-card { grid-template-columns:44px 1fr; gap:13px; padding:19px; min-height:340px; }
  .neo-ref-use-card__icon { width:44px; height:44px; border-radius:13px; font-size:20px; }
  .neo-ref-use-card h3 { font-size:20px; }
  .neo-ref-use-card p { font-size:13px; }
  .neo-ref-mini-invoice { padding:14px; }
  .neo-ref-mini-invoice div { font-size:12.5px; gap:10px; }
  .neo-ref-mini-invoice strong { font-size:13px; }
}

@media (max-width: 720px) {
  .neo-ref-shell { width:min(100% - 28px,1180px); }
  .neo-ref-hero { padding:54px 0 46px; }
  .neo-ref-hero h1 { font-size:clamp(40px,13vw,60px); }
  .neo-ref-hero__lead { font-size:15px; }
  .neo-ref-hero__actions, .neo-ref-final__actions { align-items:stretch; }
  .neo-ref-btn { width:100%; }
  .neo-ref-wallet { padding:17px; border-radius:21px; }
  .neo-ref-wallet__balance strong { font-size:31px; }
  .neo-ref-wallet__row { grid-template-columns:30px 1fr; }
  .neo-ref-wallet__row > strong { grid-column:2; justify-self:start; }
  .neo-ref-strip__grid { grid-template-columns:repeat(2,1fr); }
  .neo-ref-strip__grid > div { border-bottom:1px solid rgba(148,163,184,.08); }
  .neo-ref-section { padding:68px 0; }
  .neo-ref-section-head { margin-bottom:30px; }
  .neo-ref-steps { grid-template-columns:1fr; }
  .neo-ref-step { min-height:0; }
  .neo-ref-month { grid-template-columns:14px 1fr; }
  .neo-ref-month > b { grid-column:2; }
  .neo-ref-simulator__controls, .neo-ref-simulator__result { padding:20px; }
  .neo-ref-sim-main > strong { font-size:36px; }
  .neo-ref-use-grid, .neo-ref-products, .neo-ref-rules { grid-template-columns:1fr; }
  .neo-ref-use-card { grid-template-columns:44px 1fr; padding:20px; }
  .neo-ref-zero { padding:26px 20px; border-radius:22px; }
  .neo-ref-zero__path { display:grid; grid-template-columns:repeat(2,1fr); }
  .neo-ref-zero__step { min-width:0; }
  .neo-ref-final { padding:48px 18px; border-radius:24px; }
}

@media (max-width: 430px) {
  .neo-ref-shell { width:calc(100% - 22px); }
  .neo-ref-kicker { font-size:9px; letter-spacing:.12em; }
  .neo-ref-hero h1 { font-size:42px; }
  .neo-ref-hero__chips { display:grid; }
  .neo-ref-hero__chips span { text-align:center; }
  .neo-ref-strip__grid { grid-template-columns:1fr; }
  .neo-ref-strip__grid > div { border-left:0; }
  .neo-ref-sim-grid { grid-template-columns:1fr; }
  .neo-ref-zero__path { grid-template-columns:1fr; }
}

/* v5 - leitura e alinhamento da landing */
.neo-ref-landing {
  --ref-muted: #b7c8d8;
}

/* Centraliza os blocos de abertura das secoes da landing. */
.neo-ref-section-head {
  max-width: 900px;
  margin: 0 auto 42px;
  text-align: center;
}
.neo-ref-section-head p {
  max-width: 820px;
  margin-left: auto;
  margin-right: auto;
  color: #b7c8d8;
  font-size: 16.5px;
  line-height: 1.72;
}

/* Os quatro passos estavam altos demais para a quantidade de conteudo. */
.neo-ref-step {
  min-height: 300px;
  padding: 18px;
}
.neo-ref-step__visual {
  height: 112px;
  margin: 14px 0 17px;
}
.neo-ref-step h3 {
  font-size: 19px;
}
.neo-ref-step p {
  color: #aebfce;
  font-size: 13.5px;
  line-height: 1.6;
}
.neo-ref-step__number {
  color: #7892a9;
  font-size: 11.5px;
}
.neo-ref-code-card small,
.neo-ref-applied-card small,
.neo-ref-credit-card small {
  color: #93a9bc;
  font-size: 10px;
}
.neo-ref-credit-card span {
  color: #9bb0c3;
  font-size: 10.5px;
}

/* Melhora o contraste e o tamanho dos textos auxiliares mais apagados. */
.neo-ref-hero__micro { color:#96aabd; font-size:12px; }
.neo-ref-strip span { color:#9bb0c3; font-size:11px; }
.neo-ref-wallet__row span:nth-child(2) small { color:#94a9bc; font-size:11px; }
.neo-ref-wallet__more { color:#91a7ba; font-size:11px; }
.neo-ref-wallet__surplus { color:#9ae4f2; font-size:11px; }
.neo-ref-callout span { color:#a0b9b0; font-size:12.5px; }
.neo-ref-month small { color:#8299ad; font-size:10px; }
.neo-ref-month div span { color:#9eb1c1; font-size:11.5px; }

.neo-ref-simulator__controls label > span { color:#b8c8d6; font-size:12.5px; }
.neo-ref-simulator select { font-size:13.5px; }
.neo-ref-range-labels { color:#8fa6ba; font-size:10.5px; }
.neo-ref-sim-main > span { color:#b4c4d2; font-size:12.5px; }
.neo-ref-sim-main small { color:#91a7ba; font-size:11.5px; }
.neo-ref-sim-grid span { color:#9fb2c2; font-size:10.5px; }
.neo-ref-sim-grid strong { font-size:15px; }
.neo-ref-progress__top { color:#a8bac9; font-size:11.5px; }
#neo-ref-sim-status { color:#a6b8c8; font-size:12.5px; }
.neo-ref-simulator__note { color:#91a7ba; font-size:11.5px; line-height:1.55; }

.neo-ref-use-card p { color:#afc0cf; }
.neo-ref-use-warning { color:#aebfce; font-size:14px; }
.neo-ref-zero__copy p { color:#b2c2d0; font-size:16px; }
.neo-ref-zero__step small { color:#9fb2c3; font-size:11.5px; }
.neo-ref-zero__line { color:#afc0cf; }

.neo-ref-product-card p { color:#9fb2c3; font-size:11.5px; }
.neo-ref-product-card__top span { font-size:10px; }
.neo-ref-product-card__top i { font-size:9px; }
.neo-ref-product-card__numbers span { color:#9fb2c3; font-size:10.5px; }
.neo-ref-product-card__numbers strong { font-size:13px; }
.neo-ref-products__note { color:#91a7ba; font-size:11.5px; line-height:1.55; }

.neo-ref-rules h3 { font-size:14.5px; }
.neo-ref-rules p { color:#a5b8c8; font-size:12.25px; line-height:1.6; }
.neo-ref-faq__item button { font-size:13.5px; }
.neo-ref-faq__answer p { color:#a6b8c8; font-size:12.5px; }

@media (max-width: 980px) {
  .neo-ref-step { min-height: 0; }
}