/* === UI fixes and green theme overrides === */
.micro-loan-form-wrapper {
  --ml-primary: #229e82; /* requested green */
  --ml-primary-600: #1d8a72;
  --ml-primary-700: #197862;
  --ml-primary-contrast: #ffffff;
  --ml-border: #e2e8f0;
  --ml-text: #0f172a; /* body/input text should remain dark, not green */
  --ml-muted: #64748b;
}

.micro-loan-form-wrapper .form-title {
  color: var(--ml-text);
}

/* Center the form title explicitly */
.micro-loan-form-wrapper .form-header,
.micro-loan-form-wrapper .form-title {
  text-align: center !important;
  margin-left: auto;
  margin-right: auto;
}

/* Button palette overrides for OTP & Submit */
.micro-loan-form-wrapper .generate-otp-btn,
.micro-loan-form-wrapper .verify-otp-btn,
.micro-loan-form-wrapper .submit-btn {
  background: #F78F35 !important;
  border: 1px solid #F78F35 !important;
  color: #ffffff !important;
  border-radius: 27px !important;
}

.micro-loan-form-wrapper .generate-otp-btn:hover:not(:disabled),
.micro-loan-form-wrapper .verify-otp-btn:hover:not(:disabled),
.micro-loan-form-wrapper .submit-btn:hover:not(:disabled) {
  background: #ffffff !important;
  color: #F78F35 !important;
  border-color: #F78F35 !important;
}

/* Layout: ensure two-column on desktop, single on mobile */
.micro-loan-form-wrapper .micro-loan-form-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.micro-loan-form-wrapper .left-column,
.micro-loan-form-wrapper .right-column {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Keep mobile input and OTP button in one row */
.micro-loan-form-wrapper .mobile-container {
  display: grid;
  grid-template-columns: 1fr auto 1.3fr auto;
  gap: 10px;
  align-items: end;
}

/* Normalize control heights */
.micro-loan-form-wrapper input[type="text"],
.micro-loan-form-wrapper input[type="email"],
.micro-loan-form-wrapper select,
.micro-loan-form-wrapper .back-btn {
  min-height: 42px;
}

/* Ensure selects render full width in all themes */
.micro-loan-form-wrapper select {
  display: block;
  width: 100%;
}
/* Force gray text color for dropdowns overriding global input color */
.micro-loan-form-wrapper select,
.micro-loan-form-wrapper .form-item select {
  color: #6b7280 !important; /* gray-500 */
}

/* Tighten large blank input spacing visible in screenshot */
.micro-loan-form-wrapper .form-item input,
.micro-loan-form-wrapper .form-item select {
  margin: 0;
}

/* Improve section spacing */
.micro-loan-form-wrapper .consent-section { margin-top: 8px; }
.micro-loan-form-wrapper .form-actions { margin-top: 16px; }


@media (max-width: 768px) {
  .micro-loan-form-wrapper .micro-loan-form-container {
    grid-template-columns: 1fr;
    gap: 12px;
  }
}

/* Form items spacing and input styling */
.micro-loan-form-wrapper .form-item {
  margin-bottom: 8px;
}

.micro-loan-form-wrapper .form-item label {
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
  color: var(--ml-primary);
}

.micro-loan-form-wrapper input[type="text"],
.micro-loan-form-wrapper input[type="email"],
.micro-loan-form-wrapper select,
.micro-loan-form-wrapper .form-control,
.micro-loan-form-wrapper .form-select,
.micro-loan-form-wrapper .form-item input,
.micro-loan-form-wrapper .form-item select {
  width: 100% !important;
  padding: 6px 4px !important;
  border: none !important;
  border-bottom: 1px solid #d1d5db !important; /* light gray 1px */
  border-radius: 0 !important;
  background: transparent !important;
  color: var(--ml-text) !important;
  box-shadow: none !important;
  -webkit-appearance: none;
  appearance: none;
}

/* Hide helper class without affecting layout height */
.micro-loan-form-wrapper .hidden { display: none !important; }

.micro-loan-form-wrapper select:disabled,
.micro-loan-form-wrapper input[readonly] {
  background: transparent !important;
  color: var(--ml-muted) !important;
  border-bottom-style: dashed !important;
}

.micro-loan-form-wrapper input:focus,
.micro-loan-form-wrapper select:focus {
  outline: none !important;
  border-bottom-color: var(--ml-primary) !important;
  box-shadow: 0 1px 0 0 var(--ml-primary) !important;
}

/* Buttons (OTP + Submit) */
.micro-loan-form-wrapper .generate-otp-btn,
.micro-loan-form-wrapper .verify-otp-btn,
.micro-loan-form-wrapper .submit-btn,
.micro-loan-form-wrapper .back-btn {
  background: var(--ml-primary);
  color: var(--ml-primary-contrast);
  border: none;
  border-radius: 6px;
  padding: 6px 12px;
  cursor: pointer;
}

.micro-loan-form-wrapper .generate-otp-btn:hover,
.micro-loan-form-wrapper .verify-otp-btn:hover,
.micro-loan-form-wrapper .submit-btn:hover,
.micro-loan-form-wrapper .back-btn:hover {
  background: var(--ml-primary-600);
}

.micro-loan-form-wrapper .generate-otp-btn:disabled,
.micro-loan-form-wrapper .verify-otp-btn:disabled,
.micro-loan-form-wrapper .submit-btn:disabled {
  background: #cbd5e1;
  cursor: not-allowed;
}

/* Alerts/messages */
.micro-loan-form-wrapper .alert-container .alert-success { background: #ecfdf5; color: #065f46; border-left: 4px solid var(--ml-primary); padding: 10px 12px; border-radius: 4px; }
.micro-loan-form-wrapper .alert-container .alert-error { background: #fef2f2; color: #991b1b; border-left: 4px solid #ef4444; padding: 10px 12px; border-radius: 4px; }
.micro-loan-form-wrapper .alert-container .alert-warning { background: #fffbeb; color: #92400e; border-left: 4px solid #f59e0b; padding: 10px 12px; border-radius: 4px; }
.micro-loan-form-wrapper .alert-container .alert-info { background: #eff6ff; color: #1e40af; border-left: 4px solid #3b82f6; padding: 10px 12px; border-radius: 4px; }

/* OTP section minor tweaks */
.micro-loan-form-wrapper .otp-section .otp-input-container input#otp {
  letter-spacing: 2px;
  text-align: center;
}

/* Ensure form actions align nicely */
.micro-loan-form-wrapper .form-actions {
  margin-top: 12px;
}
/* Micro Loan Form Styles */
.micro-loan-form-wrapper {
  max-width: 1200px;
  margin: 0 auto;
  padding: 20px;
  background: #ffffff;
  font-family: Arial, sans-serif;
}

.form-header {
  text-align: center;
  margin-bottom: 30px;
}

.form-title {
  color: #2c5aa0;
  font-size: 28px;
  font-weight: bold;
  margin: 0;
}

.form-container {
  background: #ffffff;
  border: 1px solid #e0e0e0;
  border-radius: 8px;
  padding: 30px;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
}

.micro-loan-form-container {
  display: flex;
  gap: 30px;
  margin-bottom: 30px;
}

.left-column,
.right-column {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-item {
  margin-bottom: 20px;
}

.form-item label {
  display: block;
  color: #2c5aa0;
  font-weight: bold;
  margin-bottom: 8px;
  font-size: 14px;
}

.form-item input[type="text"],
.form-item input[type="email"],
.form-item select {
  width: 100%;
  padding: 12px;
  border: 1px solid #ddd;
  border-radius: 4px;
  font-size: 14px;
  transition: border-color 0.3s ease;
  transform: none;
}

.form-item input[type="text"]:focus,
.form-item input[type="email"]:focus,
.form-item select:focus {
  outline: none;
  border-color: #2c5aa0;
  box-shadow: 0 0 5px rgba(44, 90, 160, 0.3);
}

.mobile-container {
  position: relative;
}

.mobile-container .form-item {
  margin-bottom: 0;
}

.mobile-container .form-item label {
  margin-bottom: 4px;
  display: block;
}

.generate-otp-btn {
  background: #ff6b35;
  color: white;
  border: none;
  padding: 12px 30px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 16px;
  white-space: nowrap;
  transition: background-color 0.3s ease;
}

.generate-otp-btn:hover {
  background: #e55a2b;
}

.consent-section {
  margin: 30px 0;
  padding: 20px;
  background: #f8f9fa;
  border-radius: 4px;
}

.consent-section .form-item {
  margin-bottom: 0;
}

.consent-section input[type="checkbox"] {
  margin-right: 10px;
  transform: scale(1.2);
}

.consent-section label {
  color: #333;
  font-weight: normal;
  line-height: 1.5;
  cursor: pointer;
}

.form-actions {
  text-align: center;
  margin-top: 30px;
}

.submit-btn {
  background: #ff6b35;
  color: white;
  border: none;
  padding: 15px 40px;
  border-radius: 4px;
  cursor: pointer;
  font-size: 16px;
  transition: background-color 0.3s ease;
}

.submit-btn:hover {
  background: #e55a2b;
}

/* Popup Styles */
.popup-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.5);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
}

.popup-content {
  background: white;
  border-radius: 8px;
  max-width: 500px;
  width: 90%;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
  animation: popupSlideIn 0.3s ease-out;
}

@keyframes popupSlideIn {
  from {
    opacity: 0;
    transform: translateY(-50px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.popup-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px;
  border-bottom: 1px solid #e0e0e0;
  background: #F78F35;
  color: white;
  border-radius: 8px 8px 0 0;
}

.popup-header h3 {
  margin: 0;
  font-size: 18px;
}

.close-popup {
  background: none;
  border: none;
  color: white;
  font-size: 24px;
  cursor: pointer;
  padding: 0;
  width: 30px;
  height: 30px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.close-popup:hover {
  background: rgba(255, 255, 255, 0.2);
  border-radius: 50%;
}

.popup-body {
  padding: 20px;
}

.popup-body p {
  margin: 0 0 15px 0;
  color: #333;
  line-height: 1.5;
}

.lead-info {
  background: #f8f9fa;
  padding: 15px;
  border-radius: 4px;
  border-left: 4px solid #2c5aa0;
}

.lead-info strong {
  color: #2c5aa0;
}

.popup-footer {
  padding: 20px;
  text-align: center;
  border-top: 1px solid #e0e0e0;
}

.btn {
  padding: 10px 20px;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  font-size: 14px;
  font-weight: bold;
  transition: background-color 0.3s ease;
}

.btn-primary {
  background: #2c5aa0;
  color: white;
}

.btn-primary:hover {
  background: #1e3d73;
}

/* Responsive Design */
@media (max-width: 768px) {
  .micro-loan-form-container {
    flex-direction: column;
    gap: 20px;
  }
  
  .mobile-container {
    grid-template-columns: 1fr auto 0.6fr auto;
    gap: 2px;
  }
  
  .generate-otp-btn {
    margin-top: 10px;
  }
  
  .form-container {
    padding: 20px;
  }
  
  .micro-loan-form-wrapper {
    padding: 10px;
  }
}

/* OTP Section Styles */
.otp-section {
  background: #f8f9fa;
  border: 1px solid #e0e0e0;
  border-radius: 8px;
  padding: 30px;
  margin: 20px 0;
  text-align: center;
}

.otp-container h3 {
  color: #2c5aa0;
  margin-bottom: 10px;
  font-size: 24px;
}

.otp-container p {
  color: #666;
  margin-bottom: 30px;
  font-size: 16px;
}

.otp-input-container {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 15px;
  margin-bottom: 30px;
}

.otp-input-container label {
  color: #2c5aa0;
  font-weight: bold;
  font-size: 16px;
}

.otp-input-container input {
  width: 200px;
  padding: 15px;
  border: 2px solid #ddd;
  border-radius: 8px;
  font-size: 18px;
  text-align: center;
  letter-spacing: 2px;
  font-weight: bold;
}

.otp-input-container input:focus {
  outline: none;
  border-color: #2c5aa0;
  box-shadow: 0 0 10px rgba(44, 90, 160, 0.3);
}

.verify-otp-btn {
  background: #2c5aa0;
  color: white;
  border: none;
  padding: 12px 30px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 16px;
  transition: background-color 0.3s ease;
}

.verify-otp-btn:hover:not(:disabled) {
  background: #1e3d73;
}

.verify-otp-btn:disabled {
  background: #ccc;
  cursor: not-allowed;
}

.otp-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 15px;
}

.back-btn {
  background: #6c757d;
  color: white;
  border: none;
  padding: 10px 20px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 14px;
  transition: background-color 0.3s ease;
}

.back-btn:hover {
  background: #5a6268;
}

.resend-section {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

.resend-link {
  color: #2c5aa0;
  text-decoration: none;
  font-weight: bold;
  font-size: 14px;
}

.resend-link:hover {
  text-decoration: underline;
}

#resend-timer-text {
  color: #666;
  font-size: 14px;
  font-weight: bold;
}

/* Alert styles */
.alert-container {
  margin-bottom: 20px;
}

.alert {
  border-radius: 6px;
  padding: 15px;
  margin-bottom: 20px;
}

.alert-success {
  background-color: #d4edda;
  border-color: #c3e6cb;
  color: #155724;
}

.alert-danger {
  background-color: #f8d7da;
  border-color: #f5c6cb;
  color: #721c24;
}

.btn-close {
  background: none;
  border: none;
  font-size: 20px;
  font-weight: bold;
  color: inherit;
  opacity: 0.5;
  cursor: pointer;
  float: right;
}

.btn-close:hover {
  opacity: 1;
}

/* Form validation styles */
.form-item .error {
  color: #dc3545;
  font-size: 12px;
  margin-top: 5px;
  transform: none;
}

.form-item input.error,
.form-item select.error {
  border-color: #dc3545;
}

/* Inline message styles - High specificity to override global CSS */
.micro-loan-form-wrapper .ml-inline-msg {
  font-size: 12px !important;
  margin-top: 5px !important;
  padding: 2px 0 !important;
  display: block !important;
  background: none !important;
  border: none !important;
  font-weight: normal !important;
  text-decoration: none !important;
  line-height: 1.3 !important;
}

.micro-loan-form-wrapper .ml-inline-msg.error {
  color: #dc3545 !important;
  background: none !important;
  border: none !important;
}

.micro-loan-form-wrapper .ml-inline-msg.success {
  color: #155724 !important;
  background: none !important;
  border: none !important;
}

.micro-loan-form-wrapper .ml-inline-msg.warning {
  color: #856404 !important;
  background: none !important;
  border: none !important;
}

/* General form item message positioning */
.micro-loan-form-wrapper .form-item {
  position: relative;
  margin-bottom: 25px; /* Reserve space for messages */
}

.micro-loan-form-wrapper .form-item .ml-inline-msg {
  position: absolute;
  top: calc(100% + 2px);
  left: 0;
  width: 100%;
  box-sizing: border-box;
  z-index: 2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

/* Ensure messages anchor within the column, not the page */
.micro-loan-form-wrapper .micro-loan-form-container,
.micro-loan-form-wrapper .stack-column {
  position: relative;
}

/* Mobile container specific positioning */
.micro-loan-form-wrapper .mobile-container {
  position: relative;
  margin-bottom: 25px; /* Reserve space for messages */
}

.micro-loan-form-wrapper .mobile-container .form-item {
  margin-bottom: 0; /* Override general margin for mobile container items */
}

/* .micro-loan-form-wrapper .mobile-container .ml-inline-msg {
  position: absolute;
  top: calc(100% + 2px);
  left: 0;
  width: 100%;
  box-sizing: border-box;
  z-index: 2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  text-align: left;
} */
/* .micro-loan-form-wrapper .mobile-container .ml-inline-msg {
    position: absolute;
    top: calc(100% + -16px);
    left: 510px;
    width: 100%;
    box-sizing: unset;
    z-index: 2;
    white-space: nowrap;
    /* overflow: hidden; */
    /* text-overflow: ellipsis; */
    /* text-align: left; */
/* } */ */

.micro-loan-form-wrapper .form-item input.error,
.micro-loan-form-wrapper .form-item select.error,
.micro-loan-form-wrapper .form-item textarea.error{
  border-color: #dc3545 !important;
  box-shadow: none !important;
}
/* ================= Inline field message system (scoped) ================= */
/* These rules sit at the end to override any global/theme styles. */

/* Reserve space and anchor messages under every field */
.micro-loan-form-wrapper .form-item { position: relative !important; padding-bottom: 18px !important; }
.micro-loan-form-wrapper .form-item .ml-inline-msg {
  position: absolute !important;
  margin-top: 4px !important;
  background: transparent !important;
  border: 0 !important;
  padding: 0 !important;
  font-size: 12px !important;
  line-height: 1.3 !important;
  color: #0f172a !important; /* base text, colors below override */
  white-space: normal !important;
  top: 60px;
  padding-left: 500px !important;
}
.micro-loan-form-wrapper .form-item .ml-inline-msg.error { color: #dc3545 !important; }
.micro-loan-form-wrapper .form-item .ml-inline-msg.success { color: #155724 !important; }
.micro-loan-form-wrapper .form-item .ml-inline-msg.warning { color: #856404 !important; }

/* Mobile row (mobile input + buttons + otp + verify) shows one message for the row */
.micro-loan-form-wrapper .mobile-container { position: relative !important;  }
.micro-loan-form-wrapper .mobile-container > .ml-inline-msg {
  position: absolute !important;
  left: 0 !important;
  right: 0 !important;
  top: calc(100% + 2px) !important;
  background: transparent !important;
  border: 0 !important;
  padding: 0 !important;
  margin: 0 !important;
  font-size: 12px !important;
  line-height: 1.3 !important;
  white-space: normal !important;
  width: 250px !important;
  margin-left: 128px !important;
  top: 60px !important;
}
.micro-loan-form-wrapper .mobile-container > .ml-inline-msg.error { color: #dc3545 !important; }
.micro-loan-form-wrapper .mobile-container > .ml-inline-msg.success { color: #155724 !important;  margin-left: 0px !important;}
.micro-loan-form-wrapper .mobile-container > .ml-inline-msg.warning { color: #856404 !important; }

/* Small screens – when the row stacks, let the message flow naturally */
@media (max-width: 576px) {
  .micro-loan-form-wrapper .mobile-container { padding-bottom: 0 !important; }
  /* .micro-loan-form-wrapper .mobile-container > .ml-inline-msg {  margin-top: 0px !important; padding-left: 0 !important; } */
}

@media (max-width: 576px) {
  .micro-loan-form-wrapper .mobile-container { padding-bottom: 0 !important; }
  .micro-loan-form-wrapper .form-item .ml-inline-msg
  {
      position: static !important;
      margin-top: 4px !important;
      background: transparent !important;
      border: 0 !important;
      padding: 0 !important;
      font-size: 12px !important;
      line-height: 1.3 !important;
      color: #0f172a !important;
      white-space: normal !important;
  }
}

/* Loading state */
.loading {
  opacity: 0.6;
  pointer-events: none;
}

.loading::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 20px;
  height: 20px;
  margin: -10px 0 0 -10px;
  border: 2px solid #f3f3f3;
  border-top: 2px solid #2c5aa0;
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

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

/* --- Final overrides to fix residual layout issues --- */
.micro-loan-form-wrapper *,
.micro-loan-form-wrapper *::before,
.micro-loan-form-wrapper *::after { box-sizing: border-box; }

.micro-loan-form-wrapper .form-item { float: none !important; width: 100%; display: flex; flex-direction: column; align-items: stretch; gap: 4px; margin-bottom: 6px; }
.micro-loan-form-wrapper .form-container .form-item { margin-bottom: 6px !important; }
.micro-loan-form-wrapper .form-item label,
.micro-loan-form-wrapper .form-item .description { float: none !important; }

.micro-loan-form-wrapper input[type="text"],
.micro-loan-form-wrapper input[type="email"],
.micro-loan-form-wrapper select,
.micro-loan-form-wrapper .form-select,
.micro-loan-form-wrapper .form-control { width: 100% !important; min-height: 42px; }

.micro-loan-form-wrapper .form-item-otp-inline input { text-align: center; letter-spacing: 1px; }

.micro-loan-form-wrapper .form-item:empty { display: none; }

/* Enforce grid layout and neutralize older blue theme rules */
.micro-loan-form-wrapper .micro-loan-form-container { display: grid !important; grid-template-columns: 1fr 1fr !important; gap: 20px !important; }
.micro-loan-form-wrapper .left-column,
.micro-loan-form-wrapper .right-column { display: flex !important; flex-direction: column !important; gap: 12px !important; }
.micro-loan-form-wrapper .form-title { color: var(--ml-text) !important; }
.micro-loan-form-wrapper .form-item label { color: #229e82 !important; font-size: 14px; font-weight: 600; line-height: 1.2; margin: 0; min-width: auto; }
.micro-loan-form-wrapper .form-item > input,
.micro-loan-form-wrapper .form-item > select,
.micro-loan-form-wrapper .form-item > .form-select,
.micro-loan-form-wrapper .form-item > .form-control { flex: 1 1 auto; }

/* Force sane positioning/flow to prevent overlapping labels/fields from foreign themes */
.micro-loan-form-wrapper .form-item,
.micro-loan-form-wrapper .form-item * { position: static !important; display: block; }
.micro-loan-form-wrapper .form-item .error { display: block; }
.micro-loan-form-wrapper .form-item input:not([type="checkbox"]):not([type="radio"]),
.micro-loan-form-wrapper .form-item select,
.micro-loan-form-wrapper .form-item label { line-height: 1.25; }

/* Restore native look for checkboxes and radios */
.micro-loan-form-wrapper input[type="checkbox"],
.micro-loan-form-wrapper input[type="radio"] {
  width: auto !important;
  padding: 0 !important;
  border: initial !important;
  border-bottom: none !important;
  background: initial !important;
  box-shadow: none !important;
  appearance: auto;
  -webkit-appearance: auto;
  accent-color: var(--ml-primary);
}

/* Align consent checkbox and its text */
.micro-loan-form-wrapper .consent-section { padding: 6px 0; }
.micro-loan-form-wrapper .consent-section .form-item { display: flex !important; align-items: flex-start !important; gap: 8px !important; margin: 0 !important; flex-direction: row;}
.micro-loan-form-wrapper .consent-section .form-item input[type="checkbox"] { margin-top: 2px !important; }
.micro-loan-form-wrapper .consent-section .form-item label { margin: 0 !important; line-height: 1.4 !important; font-weight: 700 !important; color: #000000 !important; }

/* Defensive resets against outside theme spacing */
.micro-loan-form-wrapper .js-form-item,
.micro-loan-form-wrapper .form-group,
.micro-loan-form-wrapper .form-item,
.micro-loan-form-wrapper .form-type-select,
.micro-loan-form-wrapper .form-type-textfield {
  margin-top: 0 !important;
  margin-bottom: 4px !important;
  padding-top: 0 !important;
  padding-bottom: 0 !important;
}

.micro-loan-form-wrapper .row,
.micro-loan-form-wrapper [class^="col-"] {
  margin-top: 0 !important;
  margin-bottom: 0 !important;
  padding-top: 0 !important;
  padding-bottom: 0 !important;
}

/* Ensure right column ordering remains vertical (no wrap) */
.micro-loan-form-wrapper .right-column { flex-wrap: nowrap !important; }
.micro-loan-form-wrapper .left-column { flex-wrap: nowrap !important; }

@media (max-width: 768px) {
  .micro-loan-form-wrapper .micro-loan-form-container { display: grid !important; grid-template-columns: 1fr !important; gap: 12px !important; }
  .micro-loan-form-wrapper .mobile-container { grid-template-columns: 1fr auto 0.6fr auto; gap: 2px; }
}

/* Single-column stacked layout variant */
.micro-loan-form-wrapper .single-column { display: block !important; }
.micro-loan-form-wrapper .single-column .stack-column { max-width: 980px; margin: 0 auto; display: grid; grid-template-columns: 1fr; row-gap: 6px; column-gap: 10px; }

/* Responsive refinements */
@media (min-width: 992px) {
  .micro-loan-form-wrapper .single-column .stack-column {
    max-width: 980px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    grid-auto-rows: auto;
    column-gap: 18px;
    row-gap: 6px;
  }
  /* Make wide rows span both columns */
  .micro-loan-form-wrapper .form-item-consent,
  .micro-loan-form-wrapper .form-actions,
  .micro-loan-form-wrapper .otp-section,
  .micro-loan-form-wrapper .mobile-container { grid-column: 1 / -1; }
}

@media (max-width: 576px) {
  .micro-loan-form-wrapper .stack-column { padding: 0 6px; }
  .micro-loan-form-wrapper .mobile-container { grid-template-columns: 1fr !important; gap: 8px; }
  .micro-loan-form-wrapper .generate-otp-btn { width: 100%; margin-top: 8px; }
  .micro-loan-form-wrapper .form-item { flex-direction: column; align-items: stretch; gap: 2px; }
  .micro-loan-form-wrapper .form-item label { font-size: 13px; min-width: auto; }
  .micro-loan-form-wrapper input[type="text"],
  .micro-loan-form-wrapper input[type="email"],
  .micro-loan-form-wrapper select { min-height: 40px; }
}

.ml-field-message { margin-top: .25rem; font-size: .875rem; }
.ml-field-success { color: #1e7e34; } /* green */
.ml-field-error { color: #b00020; }   /* red */
.error { outline: none; box-shadow: 0 0 0 3px rgba(176,0,32,0.06); }