Build a multi-step form component for the web. Steps: ( 1) collect basic user information; ( 2) collect address information; ( 3) review and confirm submission. Requirements: implement basic field validation; allow step navigation and switching; control disabled states appropriately; show a loading state on submit; and display error messaging on failed submissions. Use React. Be ready to discuss: why choose a reducer-based state management approach versus multiple useState hooks; how you would organize the component structure as the number of steps grows large; how to design error messages to balance good UX with clear logic; and what performance optimizations you would apply (e.g., memoization, lazy rendering).