Build a multi-step form wizard with real per-step and conditional validation

Generate a multi-step form wizard component in Next.js using shadcn/ui form primitives, react-hook-form, and zod for validation.

STEPS
Personal info, Household details, Income sources, (conditional) Self-employment details, Review — 5 (4 for users without self-employment income) steps total, ending in a review step that shows every answer before final submit.

STATE AND NAVIGATION RULES
Hold the entire form's data in one react-hook-form instance spanning all steps, not a separate form instance per step — moving between steps must never lose data the user already entered on a step they're leaving, including moving backward. Only allow moving to the next step when the current step's own zod schema validates cleanly; show field-level error messages inline on the field that's actually wrong, not a generic "please fix errors above" banner that makes the user hunt for what's invalid. Allow moving backward to any previously completed step at any time, with its previously entered values still populated exactly as the user left them — going back must never clear a field that was already valid.

CONDITIONAL STEPS
If the user answers 'yes' to 'Do you have self-employment income?' on the Income sources step, insert the Self-employment details step before Review; otherwise skip it entirely — a step can be skipped entirely based on an earlier answer; when a step is skipped, it must not appear in the progress indicator either, since a progress bar showing "step 4 of 7" when step 4 was never actually shown to this particular user is confusing, not just cosmetically wrong.

PROGRESS AND REVIEW
Show a progress indicator (a stepper or a progress bar, your choice) reflecting only the steps this particular user's answers will actually require, updating live if an earlier answer changes which later steps are needed. The final review step must show every answer grouped by its original step, with an "Edit" link next to each group that jumps directly back to that step — not to the beginning of the wizard — and returns to the review step afterward rather than forcing the user to click Next through every remaining step again.

SUBMISSION
On final submit, validate the entire form's data against a combined schema one more time before calling submitApplication — a step-by-step validation pass earlier in the flow does not guarantee the full combined state is still valid if a conditional step changed what's actually required. Show a clear pending state on the submit button and disable it while submitting, and handle a submission error by returning the user to the review step with the error shown, not by silently losing their answers.

CONSTRAINTS
Type the full form's shape as one Zod schema composed from per-step sub-schemas, not duplicated field definitions. Save progress to localStorage on every step change so a reload restores the user to where they left off, keyed by a draft ID. clean government-form aesthetic, generous spacing, no unnecessary color