*,
    *::before,
    *::after {
      box-sizing: border-box;
      margin: 0;
      padding: 0;
    }

    :root {
      --brand: #1a4fd6;
      --brand-light: #e8eeff;
      --brand-mid: #3b6bea;
      --success: #16a34a;
      --success-bg: #dcfce7;
      --danger: #dc2626;
      --danger-bg: #fee2e2;
      --warn: #d97706;
      --bg-page: #f0f2f7;
      --bg-card: #ffffff;
      --bg-input: #f8f9fc;
      --border: #d8dce8;
      --border-focus: #1a4fd6;
      --text-primary: #111827;
      --text-secondary: #4b5563;
      --text-hint: #9ca3af;
      --radius: 10px;
      --radius-sm: 6px;
      --shadow-card: 0 1px 3px rgba(0, 0, 0, .06), 0 4px 16px rgba(0, 0, 0, .05);
    }

    body {
      font-family: 'DM Sans', sans-serif;
      background: var(--bg-page);
      min-height: 100vh;
      color: var(--text-primary);
      font-size: 14px;
    }

    /* ── PAGE SHELL ── */
    .page-shell {
      max-width: 820px;
      margin: 0 auto;
      padding: 100px 16px 60px;
    }

    .page-brand {
      text-align: center;
      margin-bottom: 24px;
    }

    .page-brand h1 {
      font-size: 22px;
      font-weight: 600;
      color: var(--brand);
      letter-spacing: -.3px;
    }

    .page-brand p {
      font-size: 13px;
      color: var(--text-secondary);
      margin-top: 4px;
    }

    /* ── FORM CARD ── */
    .form-card {
      background: var(--bg-card);
      border-radius: 16px;
      box-shadow: var(--shadow-card);
      overflow: hidden;
    }

    /* ── STEPPER ── */
    .stepper-shell {
      padding: 28px 32px 0;
      border-bottom: 1px solid var(--border);
      background: #fafbff;
    }

    .stepper-track {
      display: flex;
      justify-content: space-between;
      position: relative;
      padding-bottom: 20px;
    }

    .stepper-track::before {
      content: '';
      position: absolute;
      top: 16px;
      left: 16px;
      right: 16px;
      height: 2px;
      background: var(--border);
      z-index: 0;
    }

    .step-node {
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 6px;
      z-index: 1;
      cursor: default;
    }

    .step-bubble {
      width: 32px;
      height: 32px;
      border-radius: 50%;
      border: 2px solid var(--border);
      background: var(--bg-card);
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all .25s ease;
      font-size: 12px;
      font-weight: 600;
      color: var(--text-hint);
      position: relative;
    }

    .step-bubble .chk {
      display: none;
      position: absolute;
    }

    .step-bubble .num {
      position: absolute;
    }

    .step-node.active .step-bubble {
      border-color: var(--brand);
      background: var(--brand-light);
      color: var(--brand);
      box-shadow: 0 0 0 4px rgba(26, 79, 214, .1);
    }

    .step-node.completed .step-bubble {
      border-color: var(--success);
      background: var(--success);
      color: #fff;
    }

    .step-node.completed .step-bubble .chk {
      display: block;
    }

    .step-node.completed .step-bubble .num {
      display: none;
    }

    .step-lbl {
      font-size: 11px;
      font-weight: 500;
      color: var(--text-hint);
      white-space: nowrap;
      transition: color .2s;
    }

    .step-node.active .step-lbl {
      color: var(--brand);
      font-weight: 600;
    }

    .step-node.completed .step-lbl {
      color: var(--success);
    }

    /* progress rail */
    .prog-rail {
      height: 3px;
      background: var(--border);
      border-radius: 99px;
      margin: 0 0 14px;
      overflow: hidden;
    }

    .prog-fill {
      height: 100%;
      background: linear-gradient(90deg, var(--brand) 0%, var(--brand-mid) 100%);
      border-radius: 99px;
      transition: width .4s cubic-bezier(.4, 0, .2, 1);
    }

    .step-meta {
      display: flex;
      justify-content: space-between;
      font-size: 12px;
      padding-bottom: 14px;
      color: var(--text-secondary);
    }

    .step-meta-lbl {
      font-weight: 600;
      color: var(--text-primary);
    }

    /* ── FORM BODY ── */
    .form-body {
      padding: 28px 32px;
      min-height: 360px;
    }

    .step-pane {
      display: none;
      animation: fadeIn .2s ease;
    }

    .step-pane.active {
      display: block;
    }

    @keyframes fadeIn {
      from {
        opacity: 0;
        transform: translateY(6px);
      }

      to {
        opacity: 1;
        transform: none;
      }
    }

    .pane-title {
      font-size: 17px;
      font-weight: 600;
      color: var(--text-primary);
      margin-bottom: 4px;
    }

    .pane-sub {
      font-size: 13px;
      color: var(--text-secondary);
      margin-bottom: 22px;
    }

    .sec-lbl {
      font-size: 11px;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: .08em;
      color: var(--text-hint);
      margin: 20px 0 12px;
    }

    .sec-divider {
      height: 1px;
      background: var(--border);
      margin: 22px 0;
    }

    /* ── FIELD ROWS ── */
    .frow {
      display: grid;
      gap: 16px;
      margin-bottom: 16px;
    }

    .frow-1 {
      grid-template-columns: 1fr;
    }

    .frow-2 {
      grid-template-columns: 1fr 1fr;
    }

    .frow-3 {
      grid-template-columns: 1fr 1fr 1fr;
    }

    @media(max-width: 560px) {

      .frow-2,
      .frow-3 {
        grid-template-columns: 1fr;
      }

      .stepper-shell {
        padding: 20px 16px 0;
      }

      .form-body {
        padding: 20px 16px;
      }
    }

    /* ── FIELD GROUP ── */
    .field-group {
      display: flex;
      flex-direction: column;
      gap: 5px;
    }

    .field-group label {
      font-size: 12px;
      font-weight: 500;
      color: var(--text-secondary);
    }

    .req {
      color: var(--danger);
      margin-left: 1px;
    }

    .form-control,
    .form-select {
      width: 100%;
      padding: 9px 12px;
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      background: var(--bg-input);
      font-family: 'DM Sans', sans-serif;
      font-size: 14px;
      color: var(--text-primary);
      transition: border-color .15s, box-shadow .15s;
      outline: none;
      appearance: none;
      -webkit-appearance: none;
    }

    .form-control:focus,
    .form-select:focus {
      border-color: var(--border-focus);
      box-shadow: 0 0 0 3px rgba(26, 79, 214, .1);
      background: #fff;
    }

    .form-select {
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%239ca3af' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 12px center;
      padding-right: 32px;
    }

    textarea.form-control {
      resize: vertical;
      min-height: 72px;
    }

    /* error state */
    .field-group.has-error .form-control,
    .field-group.has-error .form-select,
    .field-group.has-error .ifsc-box-row,
    .field-group.has-error .acct-box-row {
      border-color: var(--danger) !important;
    }

    .err-msg {
      font-size: 11px;
      color: var(--danger);
      min-height: 14px;
      line-height: 1.4;
    }

    /* ── IFSC BOXES ── */
    .ifsc-box-row {
      display: flex;
      align-items: center;
      gap: 5px;
      padding: 7px 10px;
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      background: var(--bg-input);
      flex-wrap: nowrap;
    }

    .ifsc-box-row:focus-within {
      border-color: var(--border-focus);
      box-shadow: 0 0 0 3px rgba(26, 79, 214, .1);
    }

    .ifsc-sep {
      font-size: 15px;
      font-weight: 700;
      color: var(--text-secondary);
      padding: 0 2px;
      font-family: 'DM Mono', monospace;
      user-select: none;
    }

    .ifsc-box {
      width: 26px;
      height: 32px;
      border: 1px solid var(--border);
      border-radius: 4px;
      background: #fff;
      text-align: center;
      font-family: 'DM Mono', monospace;
      font-size: 14px;
      font-weight: 500;
      color: var(--brand);
      text-transform: uppercase;
      outline: none;
      padding: 0;
      transition: border-color .15s;
    }

    .ifsc-box:focus {
      border-color: var(--brand);
      box-shadow: 0 0 0 2px rgba(26, 79, 214, .15);
    }

    /* ── ACCOUNT BOXES ── */
    .acct-box-row {
      display: flex;
      align-items: center;
      gap: 3px;
      padding: 7px 10px;
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      background: var(--bg-input);
      flex-wrap: wrap;
    }

    .acct-box-row:focus-within {
      border-color: var(--border-focus);
      box-shadow: 0 0 0 3px rgba(26, 79, 214, .1);
      background: #fff;
    }

    .acct-box {
      width: 26px;
      height: 32px;
      border: 1px solid var(--border);
      border-radius: 4px;
      background: #fff;
      text-align: center;
      font-family: 'DM Mono', monospace;
      font-size: 14px;
      font-weight: 500;
      color: var(--text-primary);
      outline: none;
      padding: 0;
      transition: border-color .15s;
    }

    .acct-box:focus {
      border-color: var(--brand);
      box-shadow: 0 0 0 2px rgba(26, 79, 214, .15);
    }

    .acct-dot {
      width: 5px;
      height: 5px;
      border-radius: 50%;
      background: var(--border);
      margin: 0 2px;
      flex-shrink: 0;
    }

    /* ── UPLOAD ZONES ── */
    .upload-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
      margin-bottom: 14px;
    }

    @media(max-width:480px) {
      .upload-grid {
        grid-template-columns: 1fr;
      }
    }

    .upload-zone {
      border: 1.5px dashed var(--border);
      border-radius: var(--radius);
      padding: 20px 12px;
      text-align: center;
      cursor: pointer;
      position: relative;
      transition: border-color .2s, background .2s;
      background: var(--bg-input);
    }

    .upload-zone:hover {
      border-color: var(--brand);
      background: var(--brand-light);
    }

    .upload-zone.uploaded {
      border-color: var(--success);
      background: var(--success-bg);
      border-style: solid;
    }

    .upload-zone input[type=file] {
      position: absolute;
      inset: 0;
      opacity: 0;
      cursor: pointer;
      width: 100%;
      height: 100%;
    }

    .upload-icon-ring {
      width: 40px;
      height: 40px;
      border-radius: 50%;
      background: var(--bg-card);
      border: 1.5px solid var(--border);
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 8px;
      transition: border-color .2s;
    }

    .upload-zone:hover .upload-icon-ring {
      border-color: var(--brand);
    }

    .upload-zone.uploaded .upload-icon-ring {
      border-color: var(--success);
      background: var(--success-bg);
    }

    .upload-icon-ring svg {
      width: 18px;
      height: 18px;
      stroke: var(--text-secondary);
      fill: none;
      stroke-width: 1.8;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .upload-zone.uploaded .upload-icon-ring svg {
      stroke: var(--success);
    }

    .upload-doc-name {
      font-size: 13px;
      font-weight: 600;
      color: var(--text-primary);
      display: block;
      margin-bottom: 2px;
    }

    .upload-hint {
      font-size: 11px;
      color: var(--text-hint);
    }

    .upload-filename {
      font-size: 11px;
      color: var(--success);
      font-weight: 500;
      margin-top: 4px;
      word-break: break-all;
    }

    .upload-zone-wide {
      display: flex;
      align-items: center;
      gap: 16px;
      text-align: left;
      padding: 16px 20px;
    }

    .upload-zone-wide .upload-icon-ring {
      margin: 0;
      flex-shrink: 0;
    }

    /* ── FOOTER ── */
    .form-footer {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 16px 32px;
      border-top: 1px solid var(--border);
      background: #fafbff;
    }

    .footer-mid {
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 4px;
    }

    .fdots-row {
      display: flex;
      gap: 6px;
    }

    .fdot {
      width: 7px;
      height: 7px;
      border-radius: 50%;
      background: var(--border);
      transition: background .2s, transform .2s;
    }

    .fdot.active {
      background: var(--brand);
      transform: scale(1.3);
    }

    .fdot.done {
      background: var(--success);
    }

    .footer-lbl {
      font-size: 11px;
      color: var(--text-hint);
    }

    .btn {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      padding: 9px 20px;
      border-radius: var(--radius-sm);
      font-family: 'DM Sans', sans-serif;
      font-size: 14px;
      font-weight: 500;
      cursor: pointer;
      border: none;
      transition: background .15s, transform .1s;
      text-decoration: none;
    }

    .btn:active {
      transform: scale(.97);
    }

    .btn svg {
      width: 16px;
      height: 16px;
      stroke: currentColor;
      fill: none;
      stroke-width: 2.5;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .btn-outline {
      background: transparent;
      border: 1.5px solid var(--border);
      color: var(--text-secondary);
    }

    .btn-outline:hover {
      background: var(--bg-input);
      border-color: #c0c7d8;
    }

    .btn-primary {
      background: var(--brand);
      color: #fff;
    }

    .btn-primary:hover {
      background: var(--brand-mid);
    }

    /* ── SUCCESS SCREEN ── */
    .success-screen {
      display: none;
      text-align: center;
      padding: 60px 32px;
    }

    .success-screen.show {
      display: block;
    }

    .success-circle {
      width: 72px;
      height: 72px;
      border-radius: 50%;
      background: var(--success-bg);
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 20px;
    }

    .success-circle svg {
      width: 32px;
      height: 32px;
      stroke: #ffffff;
      fill: none;
      stroke-width: 2.5;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .success-screen h2 {
      font-size: 20px;
      font-weight: 600;
      margin-bottom: 8px;
    }

    .success-screen p {
      font-size: 14px;
      color: var(--text-secondary);
    }