.form-container {
            max-width: 1200px;
            margin: 50px auto;
            background: white;
            border-radius: 24px;
            box-shadow: 0 25px 70px rgba(0,0,0,0.15), 0 10px 30px rgba(0,0,0,0.1);
            overflow: hidden;
            transition: transform 0.3s ease, box-shadow 0.3s ease;
        }

        .form-container:hover {
            transform: translateY(-5px);
            box-shadow: 0 30px 80px rgba(0,0,0,0.2), 0 15px 40px rgba(0,0,0,0.15);
        }

        .form-header {
            background: linear-gradient(135deg, #1a1a2e 0%, #16213e 50%, #0f3460 100%);
            color: white;
            padding: 3.5rem 2rem;
            text-align: center;
            position: relative;
            overflow: hidden;
        }

        .form-header::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -50%;
            width: 200%;
            height: 200%;
            background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
            animation: shimmer 8s infinite linear;
        }

        @keyframes shimmer {
            0% { transform: rotate(0deg); }
            100% { transform: rotate(360deg); }
        }

        .form-header h1 {
            font-size: 2.8rem;
            margin-bottom: 0.5rem;
            font-weight: 800;
            letter-spacing: -1px;
            position: relative;
            z-index: 1;
            text-shadow: 2px 2px 4px rgba(0,0,0,0.3);
        }

        .form-header p {
            font-size: 1.15rem;
            opacity: 0.95;
            position: relative;
            z-index: 1;
            font-weight: 300;
        }

        /* Progress Bar */
        .progress-container {
            background: linear-gradient(90deg, #e8eaf6 0%, #c5cae9 100%);
            height: 10px;
            position: relative;
            overflow: hidden;
        }

        .progress-bar {
            background: linear-gradient(90deg, #1a237e 0%, #3949ab 50%, #5c6bc0 100%);
            height: 100%;
            width: 0%;
            transition: width 0.6s cubic-bezier(0.4, 0, 0.2, 1);
            position: relative;
            box-shadow: 0 0 10px rgba(26, 35, 126, 0.5);
        }

        .progress-bar::after {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            bottom: 0;
            background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
            animation: progressShine 2s infinite;
        }

        @keyframes progressShine {
            0% { transform: translateX(-100%); }
            100% { transform: translateX(100%); }
        }

        .progress-text {
            text-align: center;
            padding: 1rem;
            color: #666;
            font-size: 0.9rem;
            font-weight: 500;
        }

        .form-body {
            padding: 3rem 2rem;
        }

        .form-section {
            display: none;
            animation: fadeIn 0.6s cubic-bezier(0.4, 0, 0.2, 1);
        }

        .form-section.active {
            display: block;
        }

        @keyframes fadeIn {
            from {
                opacity: 0;
                transform: translateY(30px);
            }
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        .section-title {
            font-size: 2rem;
            color: #1a1a2e;
            margin-bottom: 1.5rem;
            display: flex;
            align-items: center;
            gap: 1rem;
            font-weight: 700;
        }

        .section-title::before {
            content: '';
            width: 5px;
            height: 35px;
            background: linear-gradient(180deg, #1a237e 0%, #3949ab 100%);
            border-radius: 3px;
            box-shadow: 0 2px 8px rgba(26, 35, 126, 0.3);
        }

        .section-subtitle {
            color: #666;
            margin-bottom: 2rem;
            font-size: 1.05rem;
            line-height: 1.6;
        }

        .form-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 1.5rem;
            margin-bottom: 2rem;
        }

        .form-grid-3 {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 1.5rem;
            margin-bottom: 2rem;
        }

        .form-group {
            display: flex;
            flex-direction: column;
        }

        .form-group label {
            font-weight: 600;
            color: #1a1a2e;
            margin-bottom: 0.5rem;
            font-size: 0.95rem;
        }

        .form-group label .required {
            color: #f44336;
            margin-left: 2px;
        }

        .form-group input,
        .form-group select,
        .form-group textarea {
            padding: 1rem 1.2rem;
            border: 2px solid #e0e0e0;
            border-radius: 12px;
            font-size: 1rem;
            transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
            font-family: inherit;
            background: #fafafa;
        }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: #1a237e;
            background: white;
            box-shadow: 0 0 0 4px rgba(26, 35, 126, 0.1), 0 4px 12px rgba(0,0,0,0.08);
            transform: translateY(-2px);
        }

        .form-group input.error,
        .form-group select.error,
        .form-group textarea.error {
            border-color: #f44336;
            background-color: #ffebee;
        }

        .error-message {
            color: #f44336;
            font-size: 0.85rem;
            margin-top: 0.3rem;
            display: none;
            font-weight: 500;
        }

        .error-message.show {
            display: block;
        }

        .form-group textarea {
            resize: vertical;
            min-height: 100px;
        }

        .file-upload {
            position: relative;
            display: inline-block;
            width: 100%;
        }

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

        .file-upload-label {
            display: flex;
            align-items: center;
            justify-content: center;
            padding: 2rem;
            border: 2px dashed #1a237e;
            border-radius: 12px;
            background: linear-gradient(135deg, #f5f7fa 0%, #c3cfe2 100%);
            cursor: pointer;
            transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
            text-align: center;
            flex-direction: column;
            gap: 0.5rem;
        }

        .file-upload-label:hover {
            background: linear-gradient(135deg, #e8eaf6 0%, #c5cae9 100%);
            border-color: #3949ab;
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(26, 35, 126, 0.2);
        }

        .file-upload-label.error {
            border-color: #f44336;
            background-color: #ffebee;
        }

        .file-upload-icon {
            font-size: 2.5rem;
            color: #1a237e;
        }

        .file-name {
            margin-top: 0.5rem;
            font-size: 0.9rem;
            color: #666;
            font-weight: 500;
        }

        .radio-group {
            display: flex;
            gap: 2rem;
            margin-top: 0.5rem;
        }

        .radio-group.error {
            padding: 0.5rem;
            border-radius: 12px;
            background-color: #ffebee;
        }

        .radio-option {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            cursor: pointer;
            transition: transform 0.2s ease;
        }

        .radio-option:hover {
            transform: scale(1.05);
        }

        .radio-option input[type="radio"] {
            width: 20px;
            height: 20px;
            cursor: pointer;
            accent-color: #1a237e;
        }

        .btn-container {
            display: flex;
            gap: 1rem;
            margin-top: 2rem;
        }

        .btn-Form {
            padding: 1.2rem 3rem;
            font-size: 1.1rem;
            font-weight: 600;
            border: none;
            border-radius: 12px;
            cursor: pointer;
            transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
            flex: 1;
        }

        .btn-primary {
            background: linear-gradient(135deg, #1a237e 0%, #3949ab 50%, #5c6bc0 100%);
            color: white;
            box-shadow: 0 6px 20px rgba(26, 35, 126, 0.4);
            position: relative;
            overflow: hidden;
        }

        .btn-primary::before {
            content: '';
            position: absolute;
            top: 0;
            left: -100%;
            width: 100%;
            height: 100%;
            background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
            transition: left 0.5s ease;
        }

        .btn-primary:hover::before {
            left: 100%;
        }

        .btn-primary:hover:not(:disabled) {
            transform: translateY(-3px);
            box-shadow: 0 10px 30px rgba(26, 35, 126, 0.5);
        }

        .btn-primary:active:not(:disabled) {
            transform: translateY(-1px);
        }

        .btn-secondary {
            background: linear-gradient(135deg, #e0e0e0 0%, #bdbdbd 100%);
            color: #424242;
            box-shadow: 0 4px 12px rgba(0,0,0,0.1);
        }

        .btn-secondary:hover {
            background: linear-gradient(135deg, #d0d0d0 0%, #ababab 100%);
            transform: translateY(-2px);
            box-shadow: 0 6px 16px rgba(0,0,0,0.15);
        }

        .btn-Form:disabled {
            opacity: 0.5;
            cursor: not-allowed;
            transform: none !important;
        }

        .loan-summary {
            background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%);
            padding: 2.5rem;
            border-radius: 16px;
            margin-bottom: 2rem;
            box-shadow: 0 4px 16px rgba(33, 150, 243, 0.2);
            border: 1px solid rgba(33, 150, 243, 0.1);
        }

        .loan-summary h3 {
            color: #1a1a2e;
            margin-bottom: 1.5rem;
            font-size: 1.5rem;
            font-weight: 700;
        }

        .summary-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
            gap: 1rem;
        }

        .summary-item {
            background: white;
            padding: 1.5rem;
            border-radius: 12px;
            text-align: center;
            transition: all 0.3s ease;
            box-shadow: 0 2px 8px rgba(0,0,0,0.05);
        }

        .summary-item:hover {
            transform: translateY(-4px);
            box-shadow: 0 6px 20px rgba(0,0,0,0.1);
        }

        .summary-label {
            font-size: 0.85rem;
            color: #666;
            margin-bottom: 0.5rem;
            font-weight: 500;
            text-transform: uppercase;
            letter-spacing: 0.5px;
        }

        .summary-value {
            font-size: 1.4rem;
            font-weight: 700;
            color: #1a237e;
        }

        @media (max-width: 768px) {
            .form-body {
                padding: 2rem 1rem;
            }

            .form-header h1 {
                font-size: 2rem;
            }

            .section-title {
                font-size: 1.5rem;
            }

            .btn-container {
                flex-direction: column;
            }

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