.modal-overlay {
            position: fixed;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: rgba(255, 255, 255, 0.98);
            z-index: 20000;
            display: flex;
            justify-content: center;
            align-items: flex-start;
            opacity: 0;
            visibility: hidden;
            transition: opacity 0.3s ease, visibility 0.3s ease;
            overflow-y: auto;
            padding: 20px;
            backdrop-filter: blur(8px);
        }

        .modal-overlay.active {
            opacity: 1;
            visibility: visible;
        }

        .modal-content {
            width: 100%;
            max-width: 650px;
            margin: auto;
            background: var(--surface-white);
            border-radius: 24px;
            box-shadow: var(--shadow-lg), 0 0 0 1px var(--surface-200);
            padding: 40px 32px;
            transform: translateY(20px);
            opacity: 0;
            transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
            position: relative;
        }

        .modal-overlay.active .modal-content {
            transform: translateY(0);
            opacity: 1;
        }

        .modal-close {
            position: absolute;
            top: 24px;
            right: 24px;
            background: var(--surface-50);
            border: 1px solid var(--surface-200);
            font-size: 24px;
            color: var(--text-600);
            cursor: pointer;
            transition: all 0.2s;
            width: 44px;
            height: 44px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            z-index: 10;
        }

        .modal-close:hover {
            color: var(--text-900);
            background: var(--surface-200);
            transform: rotate(90deg);
        }

        .progress-container {
            width: 100%;
            height: 8px;
            background: var(--surface-100);
            border-radius: 4px;
            margin-bottom: 24px;
            overflow: hidden;
        }

        .progress-bar {
            height: 100%;
            background: var(--brand-secondary);
            border-radius: 4px;
            width: 10%;
            transition: width 0.4s ease;
        }

        .step-indicator {
            font-size: 0.85rem;
            font-weight: 700;
            color: var(--brand-secondary);
            margin-bottom: 32px;
            text-transform: uppercase;
            letter-spacing: 1px;
            display: flex;
            justify-content: space-between;
        }

        .step-indicator span:last-child {
            color: var(--text-400);
        }

        .form-step {
            display: none;
            animation: slideIn 0.4s ease forwards;
        }

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

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

        .step-title {
            font-size: 1.8rem;
            font-weight: 800;
            color: var(--text-900);
            margin-bottom: 12px;
            line-height: 1.2;
        }

        .step-desc {
            font-size: 1rem;
            color: var(--text-600);
            margin-bottom: 32px;
            line-height: 1.5;
        }

        .input-group {
            margin-bottom: 24px;
            position: relative;
        }

        .input-group label {
            display: block;
            font-size: 0.95rem;
            font-weight: 600;
            color: var(--text-900);
            margin-bottom: 10px;
        }

        .form-input,
        .form-select {
            width: 100%;
            padding: 16px 20px;
            font-size: 1.1rem;
            border: 2px solid var(--surface-200);
            border-radius: 12px;
            background: var(--surface-50);
            color: var(--text-900);
            transition: all 0.2s ease;
            font-family: 'Inter', sans-serif;
            appearance: none;
        }

        .form-input:focus,
        .form-select:focus {
            outline: none;
            border-color: var(--brand-secondary);
            background: var(--surface-white);
            box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
        }

        .form-input::placeholder {
            color: var(--text-400);
        }

.dob-segment-group {
    position: relative;
    display: flex;
    align-items: center;
    width: 100%;
    min-height: 60px;
    padding: 0 50px 0 18px;
    border: 1.5px solid #d7dfeb;
    border-radius: 14px;
    background: #ffffff;
    box-shadow: 0 1px 2px rgba(15, 23, 42, 0.04);
    transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.dob-segment-group:hover {
    border-color: #c8d4e3;
}

.dob-segment-group:focus-within {
    border-color: var(--brand-secondary);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.dob-segment-group.is-invalid {
    border-color: #dc2626;
    box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.08);
}

.dob-segment {
    border: none;
    background: transparent;
    color: #0f172a;
    font-family: "Segoe UI", "Noto Sans", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
    font-size: 0.98rem;
    font-weight: 500;
    font-variant-numeric: tabular-nums;
    line-height: 1;
    padding: 0;
    margin: 0;
    outline: none;
    text-align: left;
    caret-color: #0f172a;
}

.dob-segment::placeholder {
    color: #94a3b8;
}

.dob-segment-day {
    width: 2.65ch;
    flex: 0 0 2.65ch;
}

.dob-segment-month {
    width: 3.15ch;
    flex: 0 0 3.15ch;
}

.dob-segment-year {
    width: 5.65ch;
    flex: 0 0 5.65ch;
}

.dob-separator {
    margin: 0 1px;
    color: #94a3b8;
    font-size: 0.98rem;
    font-weight: 600;
    user-select: none;
}

.dob-input-icon {
    position: absolute;
    right: 16px;
    width: 18px;
    height: 18px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2364758b' stroke-width='2'%3E%3Crect x='3' y='4' width='18' height='18' rx='2' ry='2'/%3E%3Cline x1='16' y1='2' x2='16' y2='6'/%3E%3Cline x1='8' y1='2' x2='8' y2='6'/%3E%3Cline x1='3' y1='10' x2='21' y2='10'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: center;
    background-size: contain;
    opacity: 0.9;
    pointer-events: none;
}

        .form-select {
            background-image: url("data:image/svg+xml;charset=US-ASCII,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22292.4%22%20height%3D%22292.4%22%3E%3Cpath%20fill%3D%22%23475569%22%20d%3D%22M287%2069.4a17.6%2017.6%200%200%200-13-5.4H18.4c-5%200-9.3%201.8-12.9%205.4A17.6%2017.6%200%200%200%200%2082.2c0%205%201.8%209.3%205.4%2012.9l128%20127.9c3.6%203.6%207.8%205.4%2012.8%205.4s9.2-1.8%2012.8-5.4L287%2095c3.5-3.5%205.4-7.8%205.4-12.8%200-5-1.9-9.2-5.5-12.8z%22%2F%3E%3C%2Fsvg%3E");
            background-repeat: no-repeat, repeat;
            background-position: right 1rem top 50%, 0 0;
            background-size: .65em auto, 100%;
        }

        .otp-container {
            display: flex;
            gap: 16px;
            justify-content: center;
            margin-bottom: 24px;
        }

        .otp-input {
            width: 64px;
            height: 64px;
            text-align: center;
            font-size: 1.8rem;
            font-weight: 700;
            border: 2px solid var(--surface-200);
            border-radius: 12px;
            background: var(--surface-50);
            transition: all 0.2s;
        }

        .otp-input:focus {
            outline: none;
            border-color: var(--brand-secondary);
            background: var(--surface-white);
            box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
        }

        .radio-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 16px;
            margin-bottom: 24px;
        }

        .radio-grid.cols-3 {
            grid-template-columns: 1fr 1fr 1fr;
        }

        .radio-card {
            position: relative;
            display: flex;
            flex-direction: column;
            align-items: center;
            justify-content: center;
            padding: 24px 16px;
            border: 2px solid var(--surface-200);
            border-radius: 16px;
            cursor: pointer;
            transition: all 0.2s;
            background: var(--surface-50);
            text-align: center;
        }

        .radio-card:hover {
            border-color: var(--brand-secondary);
            background: var(--surface-white);
            transform: translateY(-2px);
            box-shadow: var(--shadow-sm);
        }

        .radio-card input[type="radio"] {
            position: absolute;
            opacity: 0;
            width: 0;
            height: 0;
        }

        .radio-card:has(input[type="radio"]:checked) {
            border-color: var(--brand-secondary);
            background: rgba(37, 99, 235, 0.05);
            box-shadow: 0 0 0 1px var(--brand-secondary);
        }

        .radio-card:has(input[type="radio"]:checked) .rc-content {
            color: var(--brand-secondary);
        }

        .radio-card.selected {
            border-color: var(--brand-secondary);
            background: rgba(37, 99, 235, 0.05);
            box-shadow: 0 0 0 1px var(--brand-secondary);
        }

        .radio-card.selected .rc-content {
            color: var(--brand-secondary);
        }

        .rc-icon {
            font-size: 2.5rem;
            margin-bottom: 12px;
            color: var(--text-600);
            transition: all 0.2s;
        }

        .radio-card:has(input[type="radio"]:checked) .rc-icon {
            color: var(--brand-secondary);
            transform: scale(1.1);
        }

        .radio-card.selected .rc-icon {
            color: var(--brand-secondary);
            transform: scale(1.1);
        }

        .rc-content {
            font-weight: 600;
            font-size: 1rem;
            color: var(--text-900);
            pointer-events: none;
            transition: color 0.2s;
        }

        .checkbox-container {
            display: flex;
            align-items: flex-start;
            gap: 16px;
            margin-bottom: 24px;
            cursor: pointer;
            padding: 16px 20px;
            background: var(--surface-50);
            border-radius: 12px;
            border: 1px solid var(--surface-200);
            transition: all 0.2s;
        }

        .checkbox-container:hover {
            border-color: var(--brand-secondary);
            background: var(--surface-white);
        }

        .checkbox-container input {
            width: 24px;
            height: 24px;
            margin-top: 2px;
            accent-color: var(--brand-secondary);
            cursor: pointer;
            flex-shrink: 0;
        }

        .checkbox-text {
            font-size: 0.9rem;
            color: var(--text-600);
            line-height: 1.5;
        }

        .flow-actions {
            display: flex;
            gap: 16px;
            margin-top: 40px;
            padding-top: 24px;
            border-top: 1px solid var(--surface-200);
        }

        .flow-btn {
            padding: 18px 24px;
            border-radius: 12px;
            font-size: 1.1rem;
            font-weight: 700;
            cursor: pointer;
            transition: all 0.2s;
            border: none;
        }

        .btn-next {
            flex: 1;
            background: var(--brand-primary);
            color: white;
            box-shadow: 0 4px 12px rgba(10, 36, 99, 0.2);
            display: flex;
            justify-content: center;
            align-items: center;
            gap: 8px;
        }

        .btn-next:hover {
            background: var(--brand-secondary);
            transform: translateY(-2px);
            box-shadow: 0 8px 16px rgba(10, 36, 99, 0.3);
        }

        .btn-prev {
            background: var(--surface-100);
            color: var(--text-600);
            width: 64px;
            display: flex;
            justify-content: center;
            align-items: center;
            font-size: 1.2rem;
            border: 1px solid var(--surface-200);
        }

        .btn-prev:hover {
            background: var(--surface-200);
            color: var(--text-900);
        }

        .flow-slider-container {
            margin: 32px 0 48px;
        }

        .flow-slider-value {
            font-size: 3rem;
            font-weight: 800;
            color: var(--brand-primary);
            text-align: center;
            margin-bottom: 32px;
            background: var(--surface-50);
            border-radius: 16px;
            padding: 16px;
            border: 1px dashed var(--surface-200);
        }

        @media (max-width: 600px) {
            .modal-content {
                padding: 30px 20px;
            }

            .radio-grid.cols-3 {
                grid-template-columns: 1fr 1fr;
            }

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

            .flow-slider-value {
                font-size: 2.5rem;
            }
        }