Multi-Step Form With Draft Recovery

Specify a multi-step form that validates per step and can recover a draft. The server is the authority on submit. FORM Steps: [LIST] Fields that are sensitive and must NOT be drafted locally: [PASSWORD, PAYMENT] Storage for the draft: [LOCAL | SERVER] Schema: [ZOD] Submit: [SERVER ACTION OR POST] DELIVER 1) The schema split per step, plus the full schema on submit so a skipped client cannot post a partial object. 2) Navigation: you cannot jump ahead of an invalid step, you can jump back, and the URL or the step index is restorable. 3) Draft: what is saved, when, and the sensitive fields excluded. How we clear the draft after a successful submit. How we expire it. 4) Errors from the server mapped to the right field, and a top-level error when it is not a field. 5) Double-submit protection and the pending state on the button. 6) Tests: invalid step blocks next, refresh restores non-sensitive fields, submit sends the full object once. Do not put card numbers in localStorage.