Version 2013-12-05 (MW 1.23wmf6), implemented at MediaWiki, now for the first time tested apparently (by me)... When you add a reference, the cursor is again positioned at the top of the article, no matter where you insert the reference. The focus (the part you actually see) of the page is where you added the reference, but when you start typing, you are actually adding text to the top of the page. This is confusing as hell.
The same applies when adding a template, but not with media.