As an expert in growth marketing and customer loyalty, develop a comprehensive, strategic customer referral program tailored for a specific business type.

Input Parameters:
- Business Type: {BUSINESS_TYPE} (e.g., ecommerce, SaaS, agency, local service)
- Average Order Value (AOV): {AVERAGE_ORDER_VALUE} (e.g., $50, $200, $1500)

Program Structure Guidelines:
- Reward Type Selection: Choose ONE primary reward type from the following, optimizing for the given AOV . . .