.form-shell {
    background: #ffffff;
    /* border: 1px solid #dddbd3;
    border-radius: 4px; */
    min-height: 100vh;
    width: 100%;
    max-width: 600px;
    /* display: flex; */
    align-items: flex-start;
    justify-content: center;
    padding: 2.5rem 2.75rem;
    box-sizing: border-box; 
    margin: 0; 
    padding: 0;
    /* padding-left: 5px;
    padding-right: 5px; */
    font-family: Arial, sans-serif;
  }

  .form-header {
    border-bottom: 2px solid #1a3a5c;
    padding-bottom: 1.25rem;
    margin-bottom: 2rem;
  }

  .form-header h2 {
    font-size: 1.5rem;
    font-weight: normal;
    letter-spacing: 0.02em;
    color: #1a3a5c;
  }

  .form-header p {
    margin-top: 0.4rem;
    font-size: 0.85rem;
    color: #5a5a55;
    line-height: 1.5;
  }

  .section-title {
    font-size: 0.7rem;
    font-weight: bold;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #1a3a5c;
    margin: 1.75rem 0 1rem;
    padding-bottom: 0.4rem;
    border-bottom: 1px solid #dddbd3;
  }

  .field { margin-bottom: 1rem; }

  .field label {
    display: block;
    font-size: 0.78rem;
    font-weight: bold;
    color: #3a3a36;
    margin-bottom: 0.3rem;
  }

  .field label .req { color: #a32d2d; margin-left: 2px; }

  .field input[type="text"],
  .field input[type="email"],
  .field input[type="tel"],
  .field input[type="number"] {
    width: 100%;
    height: 38px;
    border: 1px solid #c5c3bb;
    border-radius: 3px;
    padding: 0 0.75rem;
    font-size: 0.875rem;
    color: #1a1a18;
    background: #fafaf8;
    transition: border-color 0.15s, box-shadow 0.15s;
    -webkit-appearance: none;
  }

  .field input:focus {
    outline: none;
    border-color: #1a3a5c;
    box-shadow: 0 0 0 3px rgba(26,58,92,0.08);
    background: #fff;
  }

  .field-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
  }

  .field-note {
    font-size: 0.75rem;
    color: #777;
    margin-top: 0.3rem;
    line-height: 1.4;
  }

  .error-msg {
    display: none;
    font-size: 0.8rem;
    color: #a32d2d;
    margin-top: 0.3rem;
  }

  .field.error input { border-color: #a32d2d; }
  .field.error .error-msg { display: block; }

  .code-input {
    font-size: 1.6rem !important;
    letter-spacing: 0.4em;
    text-align: center;
    height: 56px !important;
    font-family: 'Courier New', monospace !important;
    font-weight: bold !important;
  }

  .info-banner {
    background: #eef3f8;
    border: 1px solid #b5cce0;
    border-radius: 3px;
    padding: 0.85rem 1rem;
    
    font-size: 0.82rem;
    color: #1a3a5c;
    line-height: 1.5;
    margin-bottom: 1.25rem;
  }

  .review-notice {
    background: #fef9ec;
    border: 1px solid #e8d080;
    border-radius: 3px;
    padding: 0.85rem 1rem;
    font-size: 0.82rem;
    color: #5a4a10;
    line-height: 1.5;
    margin-bottom: 1.5rem;
  }

  .error-banner {
    background: #fdf0f0;
    border: 1px solid #e0b0b0;
    border-radius: 3px;
    padding: 0.85rem 1rem;
    font-size: 0.82rem;
    color: #7a2020;
    line-height: 1.5;
    margin-bottom: 1.25rem;
    display: none;
  }

  .loading-wrap {
    display: none;
    flex-direction: column;
    align-items: center;
    padding: 2rem 0;
    gap: 1rem;
  }

  .spinner {
    width: 36px;
    height: 36px;
    border: 3px solid #dddbd3;
    border-top-color: #1a3a5c;
    border-radius: 50%;
    animation: spin 0.75s linear infinite;
  }

  @keyframes spin { to { transform: rotate(360deg); } }

  .loading-wrap p {
    font-size: 0.85rem;
    color: #5a5a55;
  }

  .list-options { display: flex; flex-direction: column; gap: 0.6rem; margin-top: 0.25rem; }

  .list-option {
    display: flex;
    align-items: flex-start;
    gap: 0.65rem;
    padding: 0.75rem 1rem;
    border: 1px solid #e8e6de;
    border-radius: 3px;
    cursor: pointer;
    transition: border-color 0.15s, background 0.15s;
    background: #fafaf8;
  }

  .list-option:hover { border-color: #1a3a5c; background: #f0f4f8; }

  .list-option input[type="checkbox"] {
    margin-top: 2px;
    width: 16px;
    height: 16px;
    cursor: pointer;
    accent-color: #1a3a5c;
    flex-shrink: 0;
  }

  .list-option .list-info strong {
    font-size: 0.875rem;
    font-weight: bold;
    color: #1a1a18;
    display: block;
  }

  .list-option .list-info span {
    font-size: 0.78rem;
    color: #5a5a55;
    margin-top: 2px;
    display: block;
  }

  .btn-primary {
    background: #1a3a5c;
    border: none;
    border-radius: 3px;
    padding: 0.65rem 2rem;
    font-size: 0.875rem;
    font-weight: bold;
    color: #fff;
    cursor: pointer;
    letter-spacing: 0.03em;
    transition: background 0.15s;
  }

  .btn-primary:hover { background: #112840; }
  .btn-primary:active { background: #0a1e30; }
  .btn-primary:disabled { background: #8aaabf; cursor: not-allowed; }

  .btn-secondary {
    background: none;
    border: 1px solid #c5c3bb;
    border-radius: 3px;
    padding: 0.62rem 1.25rem;
    font-size: 0.875rem;
    color: #3a3a36;
    cursor: pointer;
    transition: border-color 0.15s, background 0.15s;
  }

  .btn-secondary:hover { border-color: #888; background: #f5f4f0; }

  .form-footer {
    margin-top: 2rem;
    padding-top: 1.5rem;
    border-top: 1px solid #dddbd3;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    flex-wrap: wrap;
  }
  
  .form-footer .initial-form
  {
      padding-top:1rem;
      border-top:none;
      margin-top:1rem;
  }

  .required-note 
  { 
      font-size: 0.75rem; 
      color: #777; 
  }

  .step { display: none; }
  .step.active { display: block; }

  .progress-bar { display: flex; align-items: center; margin-bottom: 2rem; }

  .progress-step {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.75rem;
    color: #aaa;
    white-space: nowrap;
  }

  .progress-step .dot {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    border: 1.5px solid #c5c3bb;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.7rem;
    font-weight: bold;
    color: #aaa;
    background: #fff;
    flex-shrink: 0;
  }

  .progress-step.done .dot { background: #1a3a5c; border-color: #1a3a5c; color: #fff; }
  .progress-step.active .dot { border-color: #1a3a5c; color: #1a3a5c; }
  .progress-step.active { color: #1a3a5c; font-weight: bold; }
  .progress-line { flex: 1; height: 1px; background: #dddbd3; margin: 0 0.5rem; }

  .resend-link 
  {
    font-size: 0.8rem;
    color: #1a3a5c;
    cursor: pointer;
    text-decoration: underline;
    background: none;
    border: none;
    padding: 0;
  }

  .success-panel { display: none; text-align: center; padding: 2rem 0; }

  .success-panel .checkmark {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: #e8f3e8;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    font-size: 1.5rem;
  }

  .success-panel h2 
  {
    font-size: 1.25rem;
    font-weight: normal;
    color: #1a3a5c;
    margin-bottom: 0.5rem;
  }

  .success-panel p 
  {       
      font-size: 0.875rem; 
      color: #5a5a55; 
      line-height: 1.6; 
  }

  @media (max-width: 520px) {
    .form-shell { padding: 1.5rem 1.25rem; }
    .field-row { grid-template-columns: 1fr; }
    .form-footer { flex-direction: column; align-items: flex-start; }
    .btn-primary { width: 100%; text-align: center; }
  }