:root {
    --brand: #1a6b4a;
    --brand-light: #e6f4ed;
    --brand-dark: #124d36;
    --accent: #f4a016;
    --accent-light: #fff8ec;
    --text: #1c2b22;
    --text-muted: #557060;
    --border: #d0e4da;
    --bg: #f7faf8;
    --white: #ffffff;
    --red: #1a6b4a;
    --red-light: #fdecea;
    --radius: 12px;
    --shadow: 0 2px 20px rgba(26,107,74,0.10);
  }
  .trust-row {
    display: flex; justify-content: center; flex-wrap: wrap; gap: 20px;
    margin-top: 28px;
  }
  .trust-item {
    display: flex; align-items: center; gap: 6px;
  }
  .trust-item svg { width: 16px; height: 16px; fill: #a8e6c8; flex-shrink: 0; }

  /* FORM CARD */
  .form-wrap {
    max-width: 680px;
    margin: -40px auto 0;
    padding: 0 16px 60px;
    position: relative;
    z-index: 2;
  }
  .form-card {
    background: var(--white);
    border-radius: 20px;
    box-shadow: var(--shadow), 0 8px 40px rgba(0,0,0,0.10);
    overflow: hidden;
  }
  .form-header {
    background: var(--brand-light);
    border-bottom: 1px solid var(--border);
    padding: 20px 28px;
    display: flex; align-items: center; gap: 12px;
  }
  .form-header-icon {
    width: 42px; height: 42px;
    background: var(--brand);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .form-header-icon svg { width: 22px; height: 22px; fill: #fff; }
  .form-header h2 { font-size: 1.1rem; font-weight: 600; color: var(--brand-dark); }
  .form-header p { font-size: 13px; color: var(--text-muted); margin-top: 2px; }

  /* STEP PROGRESS */
  .step-bar {
    display: flex; padding: 0 28px;
    border-bottom: 1px solid var(--border);
  }
  .step-tab {
    flex: 1; padding: 14px 0;
    text-align: center; font-size: 12px; font-weight: 600; letter-spacing: 0.05em;
    color: var(--text-muted); border-bottom: 2px solid transparent;
    text-transform: uppercase; transition: all 0.2s;
    cursor: default;
  }
  .step-tab.active { color: var(--brand); border-bottom-color: var(--brand); }
  .step-tab.done { color: var(--brand); }

  /* SECTIONS */
  .form-body { padding: 28px; }
  .form-section { display: none; }
  .form-section.active { display: block; }

  .section-title-form {
    font-size: 1rem; font-weight: 600; color: var(--text);
    margin-bottom: 20px; display: flex; align-items: center; gap: 8px;
  }
  .section-title-num {
    width: 24px; height: 24px; border-radius: 50%;
    background: var(--brand); color: #fff;
    font-size: 12px; font-weight: 700;
    display: inline-flex; align-items: center; justify-content: center;
  }

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

  @media (max-width: 520px) {
    .field-grid.cols-2, .field-grid.cols-3 { grid-template-columns: 1fr; }
    .form-body { padding: 20px 16px; }
    .form-header { padding: 16px 20px; }
    .step-bar { padding: 0 16px; }
  }

  .field label {
    font-size: 13px; font-weight: 500;
    color: var(--text-muted); margin-bottom: 6px;
  }
  .field label .req { color: var(--red); margin-left: 2px; }

  .field input, .field select, .field textarea {
    width: 100%; padding: 10px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius); font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    color: var(--text); background: var(--white);
    transition: border-color 0.2s, box-shadow 0.2s;
    outline: none;
  }
  .field input:focus, .field select:focus {
    border-color: var(--brand);
    box-shadow: 0 0 0 3px rgba(26,107,74,0.12);
  }
  .field input.error, .field select.error {
    border-color: var(--red);
    box-shadow: 0 0 0 3px rgba(192,57,43,0.10);
  }
  .field .hint {
    font-size: 11.5px; color: var(--text-muted); margin-top: 4px;
  }
  .field .err-msg {
    font-size: 11.5px; color: var(--red); margin-top: 4px; display: none;
  }
  .field.has-error .err-msg { display: block; }
  .field.has-error label { color: var(--red); }

  /* RADIO GROUP */
  .radio-group { display: grid; gap: 10px; }
  .radio-group.cols-2 { grid-template-columns: 1fr 1fr; }
  .radio-option { display: none; }
  .radio-label {
    display: flex; align-items: center; gap: 10px;
    padding: 11px 16px; border: 1.5px solid var(--border);
    border-radius: var(--radius); cursor: pointer;
    font-size: 14px; font-weight: 500;
    transition: all 0.15s;
  }
  .radio-label:hover { border-color: var(--brand); background: var(--brand-light); }
  .radio-option:checked + .radio-label {
    border-color: var(--brand); background: var(--brand-light); color: var(--brand-dark);
  }
  .radio-dot {
    width: 18px; height: 18px; border-radius: 50%;
    border: 2px solid var(--border); flex-shrink: 0;
    transition: all 0.15s;
  }
  .radio-option:checked + .radio-label .radio-dot {
    border-color: var(--brand); background: var(--brand);
    box-shadow: inset 0 0 0 3px var(--white);
  }

  /* SERVICE SELECT */
  .service-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(140px, 1fr)); gap: 10px; }
  .service-option { display: none; }
  .service-label {
    display: flex; flex-direction: column; align-items: center; gap: 8px;
    padding: 14px 10px;
    border: 1.5px solid var(--border); border-radius: var(--radius);
    cursor: pointer; text-align: center; font-size: 13px; font-weight: 500;
    transition: all 0.15s; line-height: 1.3;
  }
  .service-label:hover { border-color: var(--brand); background: var(--brand-light); }
  .service-option:checked + .service-label {
    border-color: var(--brand); background: var(--brand-light); color: var(--brand-dark);
  }
  .service-icon { font-size: 26px; line-height: 1; }

  /* UNAVAILABLE BANNER */
  .unavail-banner {
    display: none;
    background: #fff5f5;
    border: 1.5px solid #f5c6c6;
    border-radius: var(--radius);
    padding: 16px 20px;
    color: #8b2222;
    font-size: 14px;
    text-align: center;
    margin-top: 8px;
  }
  .unavail-banner strong { display: block; font-size: 15px; margin-bottom: 4px; }

  /* ACCEPTED BANNER */
  .accepted-banner {
    display: none;
    background: var(--brand-light);
    border: 1.5px solid #8ecdb3;
    border-radius: var(--radius);
    padding: 14px 18px;
    font-size: 13px;
    color: var(--brand-dark);
    margin-top: 12px;
  }
  .accepted-banner.show { display: flex; align-items: center; gap: 10px; }

  /* CONSENT BOX */
  .consent-box {
    background: #f8faf9; border: 1px solid var(--border);
    border-radius: 8px; padding: 14px 16px;
    font-size: 12px; color: var(--text-muted); line-height: 1.6;
    margin-bottom: 20px;
  }
  .consent-box a { color: var(--brand); }

  /* DIVIDER */
  .divider { height: 1px; background: var(--border); margin: 24px 0; }

  /* BUTTONS */
  .btn-row { display: flex; gap: 12px; justify-content: flex-end; margin-top: 24px; }
  .btn {
    padding: 12px 28px; border-radius: var(--radius);
    font-family: 'DM Sans', sans-serif;
    font-size: 15px; font-weight: 600; cursor: pointer; border: none;
    transition: all 0.18s;
  }
  .btn-primary {
    background: var(--brand); color: #fff;
    box-shadow: 0 2px 8px rgba(26,107,74,0.25);
  }
  .btn-primary:hover { background: var(--brand-dark); transform: translateY(-1px); }
  .btn-primary:active { transform: translateY(0); }
  .btn-primary:disabled { background: #b0c8be; cursor: not-allowed; transform: none; box-shadow: none; }
  .btn-secondary {
    background: transparent; color: var(--text-muted);
    border: 1.5px solid var(--border);
  }
  .btn-secondary:hover { background: var(--bg); color: var(--text); }

  /* SPINNER */
  .spinner {
    display: inline-block; width: 16px; height: 16px;
    border: 2px solid rgba(255,255,255,0.4);
    border-top-color: #fff; border-radius: 50%;
    animation: spin 0.6s linear infinite; vertical-align: middle; margin-right: 6px;
  }
  @keyframes spin { to { transform: rotate(360deg); } }

  /* SUCCESS */
  .success-screen {
    display: none; text-align: center; padding: 40px 28px;
  }
  .success-screen.show { display: block; }
  .success-check {
    width: 72px; height: 72px; border-radius: 50%;
    background: var(--brand-light); border: 3px solid var(--brand);
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 20px;
  }
  .success-check svg { width: 36px; height: 36px; stroke: var(--brand); fill: none; stroke-width: 2.5; }
  .success-screen h3 { font-family: 'DM Serif Display', serif; font-size: 1.6rem; margin-bottom: 10px; }
  .success-screen p { color: var(--text-muted); line-height: 1.6; max-width: 380px; margin: 0 auto; }
  .payout-pill {
    display: inline-block; margin-top: 16px;
    background: var(--accent-light); color: #6b4100;
    border: 1px solid #f4c26b; border-radius: 50px;
    padding: 6px 18px; font-size: 13px; font-weight: 600;
  }

  /* FOOTER */
  .form-footer {
    padding: 16px 28px;
    border-top: 1px solid var(--border);
    background: #f9fbfa;
    display: flex; align-items: center; justify-content: center; gap: 16px;
    flex-wrap: wrap;
  }
  .footer-badge {
    display: flex; align-items: center; gap: 5px;
    font-size: 11.5px; color: var(--text-muted);
  }
  .footer-badge svg { width: 14px; height: 14px; fill: var(--brand); }

  .field-note {
    font-size: 11px; color: var(--text-muted);
    background: var(--accent-light); border: 1px solid #f4c26b;
    border-radius: 6px; padding: 6px 10px; margin-top: 8px;
  }
#submit-btn {
    text-transform: capitalize !important;
}