Golden Cross and Golden Reference both represent the top of the line but with different objectives. Golden Cross is sort of the pinnacle of the Cardas sound (warm. rich, organic) and Golden Reference is a more neutral take on that sound. Some would say GR is the top, but I believe George Cardas would say it depends.
Neutral Reference occupies the next tier down but does not have the Cardas sound typified by the Cross series and even by GR. Others will disagree, I'm sure.
Neutral Reference occupies the next tier down but does not have the Cardas sound typified by the Cross series and even by GR. Others will disagree, I'm sure.