:root {
    --primary-blue: #1e3a8a; /* Deep navy blue */
    --accent-green: #16a34a; /* Green */
    --accent-red: #dc2626;   /* Red for errors/required */
    --bg-light: #f3f4f6;     /* Light gray background */
    --white: #ffffff;
    --text-dark: #1f2937;
    --text-muted: #6b7280;
    --border-color: #d1d5db;
}

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

body {
    font-family: 'Inter', sans-serif;
    background-color: var(--bg-light);
    color: var(--text-dark);
    line-height: 1.6;
    padding: 20px;
}

.container {
    max-width: 700px;
    margin: 0 auto;
    background: var(--white);
    border-radius: 12px;
    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    overflow: hidden;
}

/* Header & Warning */
.form-header {
    background: var(--primary-blue);
    color: var(--white);
    padding: 30px 24px;
    text-align: center;
}

.form-header h1 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.3;
}

.warning-box {
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.3);
    border-radius: 8px;
    padding: 16px;
    text-align: left;
    font-size: 0.95rem;
    margin-bottom: 16px;
}

.warning-highlight {
    color: #fca5a5; /* Light red for visibility on dark bg */
    font-weight: 600;
    margin-top: 8px;
}

.bank-warning {
    background: #fef2f2;
    border: 1px solid #fecaca;
    color: var(--accent-red);
    text-align: left;
    margin-bottom: 20px;
}

.form-subtitle {
    font-size: 0.875rem;
    opacity: 0.9;
}

/* Form Steps */
.form-step {
    display: none;
    padding: 30px 24px;
    border: none;
}

.form-step.active {
    display: block;
    animation: fadeIn 0.3s ease-in-out;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

legend {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--bg-light);
    width: 100%;
}

.section-desc {
    color: var(--text-muted);
    margin-bottom: 16px;
    font-size: 0.95rem;
}

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

label {
    display: block;
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: 6px;
    color: var(--text-dark);
}

.required {
    color: var(--accent-red);
}

input, select, textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 6px;
    font-size: 1rem;
    font-family: inherit;
    transition: border-color 0.2s, box-shadow 0.2s;
}

input:focus, select:focus, textarea:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.1);
}

.readonly-input {
    background-color: var(--bg-light);
    color: var(--text-muted);
    cursor: not-allowed;
}

/* Error States */
.form-group.error input,
.form-group.error select,
.form-group.error textarea {
    border-color: var(--accent-red);
    background-color: #fef2f2;
}

.error-msg {
    display: none;
    color: var(--accent-red);
    font-size: 0.8rem;
    margin-top: 4px;
}

.form-group.error .error-msg {
    display: block;
}

/* File Upload */
.file-hint {
    display: block;
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 4px;
}

input[type="file"] {
    padding: 8px;
    background: var(--bg-light);
}

/* Buttons */
.form-actions {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 30px;
    padding-top: 20px;
    border-top: 1px solid var(--bg-light);
    gap: 12px;
}

button {
    padding: 12px 24px;
    border-radius: 6px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    border: none;
}

.btn-next, .btn-submit {
    background-color: var(--primary-blue);
    color: var(--white);
    margin-left: auto; /* Pushes to the right */
}

.btn-next:hover, .btn-submit:hover {
    background-color: #1e40af;
}

.btn-back {
    background-color: var(--white);
    color: var(--text-dark);
    border: 1px solid var(--border-color);
}

.btn-back:hover {
    background-color: var(--bg-light);
}

.btn-clear {
    background-color: transparent;
    color: var(--accent-red);
    border: 1px solid var(--accent-red);
}

.btn-clear:hover {
    background-color: #fef2f2;
}

button:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

/* Success Message */
.success-step {
    text-align: center;
    padding: 60px 24px;
}

.success-content svg {
    margin-bottom: 20px;
}

.success-content h2 {
    color: var(--accent-green);
    margin-bottom: 16px;
}

.disclaimer {
    margin-top: 24px;
    font-size: 0.85rem;
    color: var(--text-muted);
    background: var(--bg-light);
    padding: 12px;
    border-radius: 6px;
}

/* Mobile Responsiveness */
@media (max-width: 600px) {
    body {
        padding: 10px;
    }
    
    .form-header {
        padding: 20px 16px;
    }
    
    .form-header h1 {
        font-size: 1.25rem;
    }
    
    .form-step {
        padding: 20px 16px;
    }
    
    .form-actions {
        flex-direction: column-reverse;
    }
    
    .form-actions button {
        width: 100%;
        margin: 4px 0;
    }
}