Form Layout Options - Beyond "1 Columns or 2"?

Form Layout Options - Beyond "1 Columns or 2"?

I admire what you've achieved with Zoho Creator, and would like to become a regular developer on this platform.  

However, I'm finding the Form layout and design options far too limiting.   I need to be able to create forms which:
  • use more than 2 columns
  • group fields into sections 

Here's an example of the kind of layout I want to get closer to creating.



Is there a way to create multi-column layouts in Zoho Creator, beyond 2 columns?   Is there a way to add lines, boxes and sections to forms, to group fields and create a more seamless UI?