.mortgage-wrapper {
    max-width: 950px;
    margin: 50px auto;
    background: var(--white-color);
    border-radius: 14px;
    padding: 40px;
    box-shadow: 0 12px 35px rgba(0, 0, 0, 0.08);
}

/* STEP INDICATOR */
.step-indicator {
    display: flex;
    justify-content: space-between;
    position: relative;
    margin-bottom: 50px;
    flex-wrap: wrap;
}

.step-indicator::before {
    content: '';
    position: absolute;
    top: 22px;
    left: 5%;
    right: 5%;
    height: 3px;
    background: var(--gainsboro-color);
}

.step {
    text-align: center;
    flex: 1 1 30%;
    position: relative;
    z-index: 1;
    pointer-events: none;
    margin-bottom: 20px;
}

.step .circle {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--gainsboro-color);
    color: var(--sonic-silver-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    margin: auto;
    transition: 0.3s;
}

.step .label {
    margin-top: 8px;
    font-size: 14px;
    color: var(--sonic-silver-color);
}

/* ACTIVE */
.step.is-active .circle {
    background: var(--blue-color);
    color: #fff;
    box-shadow: 0 0 0 6px rgba(0, 92, 230, 0.15);
}

.step.is-active .label {
    color: var(--blue-color);
    font-weight: 600;
}

/* COMPLETED */
.step.is-complete .circle {
    background: #2ecc71;
    color: #fff;
}

.step.is-complete .circle::after {
    content: '✓';
}

.step.is-complete .label {
    color: #2ecc71;
}

/* FORM */
.form-step {
    display: none;
}

.form-step:first-child {
    display: block;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.radio-group {
    display: flex;
    gap: 30px;
    margin: 15px 0;
    flex-wrap: wrap;
}

/* PROGRAMS */
.program-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
}

.program-card {
    border: 2px solid var(--gainsboro-color);
    padding: 22px;
    border-radius: 12px;
    text-align: center;
    font-weight: 600;
    cursor: pointer;
    transition: 0.3s;
}

.program-card.active {
    border-color: var(--blue-color);
    background: rgba(0, 92, 230, 0.08);
}

/* DOCS */
.doc-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
}

.doc-card {
    border: 1px solid var(--gainsboro-color);
    border-radius: 12px;
    padding: 22px;
    text-align: center;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.06);
}

/* BUTTONS */
.step-actions {
    display: flex;
    justify-content: space-between;
    margin-top: 35px;
    flex-wrap: wrap;
}

.step-actions button {
    margin-top: 10px;
}

/* =======================
   RESPONSIVE MEDIA QUERIES
======================= */
@media (max-width: 900px) {
    .mortgage-wrapper {
        padding: 30px;
        margin: 30px 15px;
    }

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

    .radio-group {
        gap: 15px;
    }
}

@media (max-width: 320px) {
    .step-indicator::before {
        top: 16px;
    }

    .step .circle {
        height: 30px;
        width: 30px;
    }

    .step .label {
        font-size: 10px;
    }

    /* .step {
        flex: 1 1 100%;
        margin-bottom: 30px;
    }

    .step-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .step-actions button {
        width: 100%;
    } */
}