.loan-form {
    max-width: 900px;
    margin: 0 auto;
}

/* Steps Indicator (Wizard Header) - Optional if exists, styles here */

/* Stepper / Progress Indicator */
.stepper-wrapper {
    display: flex;
    justify-content: space-between;
    margin: 0 auto;
    max-width: 700px;
    position: relative;
}

.stepper-item {
    flex: 1;
    text-align: center;
    position: relative;
    z-index: 1;
}

.stepper-item::before {
    content: '';
    position: absolute;
    top: 16px;
    left: 50%;
    width: 100%;
    height: 2px;
    background: #e0e0e0;
    z-index: -1;
}

.stepper-item:last-child::before {
    display: none;
}

.stepper-circle {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: white;
    border: 2px solid #e0e0e0;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 8px;
    font-weight: 600;
    font-size: 13px;
    color: #70757a;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.stepper-label {
    font-size: 12px;
    font-weight: 500;
    color: #70757a;
    transition: all 0.3s;
}

.stepper-item.active .stepper-circle {
    background: #1a73e8;
    border-color: #1a73e8;
    color: white;
}

.stepper-item.active .stepper-label {
    color: #1a73e8;
    font-weight: 600;
}

.stepper-item.completed .stepper-circle {
    background: #e8f0fe;
    border-color: #1a73e8;
    color: #1a73e8;
}

/* Section Headers */
.section-header {
    margin-bottom: 24px;
}

.section-header h4 {
    font-size: 18px;
    font-weight: 600;
    color: #202124;
    margin: 0 0 4px 0;
    padding-bottom: 0;
    border-bottom: none;
}

.section-helper {
    font-size: 13px;
    color: #5f6368;
    margin: 0;
}

.step-title {
    text-align: center;
    margin-bottom: 32px;
}

.step-title h2 {
    font-size: 24px;
    font-weight: 400;
    color: #202124;
    margin-bottom: 8px;
}

.step-title p {
    color: #5f6368;
    font-size: 14px;
}

/* Form Cards Update */
.card {
    background: #ffffff;
    border: 1px solid #dadce0;
    border-radius: 8px;
    box-shadow: none;
    padding: 24px;
    margin-bottom: 24px;
    transition: border 0.2s;
}

.card:focus-within {
    border-color: #1a73e8;
    box-shadow: 0 1px 2px 0 rgba(60, 64, 67, 0.30), 0 1px 3px 1px rgba(60, 64, 67, 0.15);
}

.card h4 {
    font-size: 16px;
    font-weight: 500;
    color: #202124;
    margin-bottom: 20px;
    padding-bottom: 0;
    border-bottom: none;
}

/* Fixed Header/Footer Layout */
.steps-header-fixed {
    position: sticky;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: white;
    z-index: 800;
    border-bottom: 1px solid #dadce0;
    padding: 12px 24px;
    box-shadow: 0 1px 2px 0 rgba(60, 64, 67, 0.1);
}

.steps-footer-fixed {
    position: fixed;
    bottom: 0;
    left: var(--sidebar-width);
    right: 0;
    height: 72px;
    background: white;
    border-top: 1px solid #dadce0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 40px;
    z-index: 1000;
    box-shadow: 0 -1px 3px 0 rgba(0, 0, 0, 0.05);
    transition: left var(--transition-slow);
}

@media (max-width: 1024px) {
    .steps-footer-fixed {
        left: 0;
        padding: 0 20px;
    }
}

.steps-container {
    max-width: 900px;
    margin: 24px auto;
    padding-bottom: 100px;
}

/* Grid Layouts for Forms */
.grid-2 {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

/* Form Groups */
.form-group {
    margin-bottom: 20px;
}

/* File Upload Box (Clean & Dashed) */
.file-box {
    border: 2px dashed var(--border-color);
    border-radius: var(--radius-lg);
    padding: 32px;
    text-align: center;
    background-color: var(--bg-hover);
    transition: all var(--transition);
    cursor: pointer;
    margin-bottom: 16px;
}

.file-box:hover {
    border-color: var(--primary);
    background-color: var(--primary-light);
    transform: scale(1.01);
}

.file-box p {
    color: var(--text-secondary);
    font-size: 14px;
    margin-bottom: 12px;
}

/* Media Buttons (Camera/Upload) inside the box */
.media-buttons {
    display: flex;
    justify-content: center;
    gap: 12px;
}

.btn-media {
    background: #ffffff;
    border: 1px solid var(--border-color);
    padding: 8px 16px;
    border-radius: var(--radius-md);
    font-size: 13px;
    font-weight: 500;
    color: var(--text-secondary);
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all var(--transition-fast);
}

.btn-media:hover {
    border-color: var(--primary);
    color: var(--primary);
    background-color: var(--primary-light);
    transform: translateY(-1px);
}

.actions {
    display: flex;
    justify-content: space-between;
    margin-top: 32px;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
}

/* Google Material Buttons */
.btn-google {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 24px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    border: none;
    outline: none;
    font-family: 'Inter', sans-serif;
    letter-spacing: 0.25px;
}

.btn-google:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 8px rgba(0, 0, 0, 0.12);
}

.btn-google:active {
    transform: translateY(0) scale(0.98);
}

.btn-google-next {
    background-color: #1a73e8;
    color: #ffffff;
}

.btn-google-next:hover {
    background-color: #1765cc;
}

.btn-google-back {
    background-color: #ffffff;
    color: #1a73e8;
    border: 1px solid #e0e0e0 !important;
}

.btn-google-back:hover {
    background-color: #f8f9fa;
    border-color: #1a73e8 !important;
}

.btn-google-add {
    background-color: #ffffff;
    color: #1a73e8;
    border: none;
    gap: 8px;
}

.btn-google-add:hover {
    background-color: #f1f3f4;
}

.btn-google-add svg {
    width: 18px;
    height: 18px;
}

.actions .btn-google {
    min-width: 120px;
}

/* OTP Specific */
.otp-box {
    max-width: 400px;
    margin: 40px auto;
    text-align: center;
}

.otp-box input {
    font-size: 24px;
    letter-spacing: 0.5em;
    text-align: center;
    padding: 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-lg);
    width: 100%;
    margin-bottom: 24px;
    transition: all var(--transition-fast);
    background: var(--bg-hover);
}

.otp-box input:focus {
    border-color: var(--primary);
    box-shadow: var(--focus-ring);
    background: #ffffff;
    transform: scale(1.02);
}

/* Responsive */
@media (max-width: 768px) {
    .card {
        padding: 24px 16px;
    }

    .grid-2,
    .grid-3 {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .actions {
        flex-direction: column-reverse;
        gap: 12px;
    }

    .actions .btn,
    .actions .btn-google {
        width: 100%;
    }
}