/* ============================================================================
   JNZ Insurance — Refer a Friend page styles
   ============================================================================
   Loaded only on /refer-a-friend/. Depends on /styles.css and /contact.css
   being loaded first (form card, inputs, success state all come from there).
============================================================================ */

/* ============ How it works: 3 numbered step cards ============ */
.ref-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.ref-step {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 32px 28px;
  box-shadow: var(--shadow-1);
  position: relative;
}
.ref-step-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}
.ref-step-num {
  font-size: 14px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.12em;
  color: var(--jnz-teal);
}
.ref-step-icon {
  width: 48px; height: 48px;
  border-radius: var(--r-md);
  background: rgba(46, 111, 149, 0.08);
  color: var(--jnz-blue);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.ref-step-icon svg { width: 22px; height: 22px; }
.ref-step h3 {
  font-size: 20px;
  font-weight: var(--fw-bold);
  color: var(--jnz-navy);
  letter-spacing: -0.01em;
  margin: 0 0 10px;
}
.ref-step p {
  font-size: 15px;
  line-height: 1.6;
  color: var(--jnz-slate);
  margin: 0;
}

/* ============ Optional-field caption (mirror of /quote.css) ============ */
.field-optional {
  font-size: 12px;
  font-weight: var(--fw-regular);
  color: var(--jnz-slate);
  margin-left: 4px;
}

/* ============ Form: "About you" / "About your friend" group titles ============ */
.form-group-title {
  font-size: 13px;
  font-weight: var(--fw-semibold);
  color: var(--jnz-teal);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 8px 0 -8px;
}
.contact-form .form-group-title:first-of-type { margin-top: 0; }

/* ============ Fine print under the form ============ */
.ref-fineprint {
  max-width: 760px;
  margin: 32px auto 0;
  padding: 0;
  list-style: none;
}
.ref-fineprint li {
  position: relative;
  padding-left: 18px;
  font-size: 13px;
  line-height: 1.6;
  color: var(--jnz-slate);
  margin-bottom: 8px;
}
.ref-fineprint li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 6px; height: 6px;
  border-radius: 999px;
  background: var(--jnz-teal);
  opacity: 0.55;
}

/* ============ Responsive ============ */
@media (max-width: 920px) {
  .ref-steps { grid-template-columns: 1fr; gap: 16px; }
  .ref-step { padding: 26px 24px; }
}