@php
    // last_active_step (nullable) is the step the user was last viewing/saving; falls back
    // to current_step (forward-only, gates sidebar unlocking) for pre-existing rows saved
    // before this column existed.
    $savedStep = $application ? ($application->last_active_step ?? $application->current_step) : 1;
    $completed  = $application ? ($application->completed_steps ?? []) : [];
    $appId      = $applicationId ?? ($application->id ?? null);
    $assocId    = $application ? ($application->elap_association_id ?? '') : '';
    $masterDataUrl = route('turbo-app.create-application.master-data');
    $saveStepBaseUrl = rtrim(url('/admin/turbo-app/create-application/step'), '/');
    $usStates = \App\Helpers\LocationOptions::usStates();

    $steps = [
        1 => ['label' => 'Configuration',       'icon' => 'bx-cog'],
        2 => ['label' => 'Business Information', 'icon' => 'bx-building'],
        3 => ['label' => 'Owner Information',    'icon' => 'bx-user'],
        4 => ['label' => 'Products & Services',  'icon' => 'bx-package'],
        5 => ['label' => 'Fee Schedule',         'icon' => 'bx-dollar'],
        6 => ['label' => 'Docs & Signing',       'icon' => 'bx-file'],
    ];
@endphp

@extends('admin.layouts.layout', $headerOption)

@push('page_css')
<style>
    /* custom.css's panel-wide .form-control::placeholder (#313131) is nearly as dark as real
       input text, making a placeholder hard to tell apart from an actual value. Lightened here
       to the same gray already used for this exact purpose elsewhere in the admin panel
       (head.blade.php's .gs-input::placeholder), scoped to this page only. */
    .form-control::placeholder,
    textarea::placeholder {
        color: #9CA3AF;
        opacity: 1;
    }
</style>
@endpush

@section('content')
<div class="col-12">
<div class="project-box p-0">

<div class="d-flex" style="background:#f8f9fa;min-height:80vh;">

    {{-- ── Main wizard column ── --}}
    <div class="flex-grow-1 px-4 py-4" style="min-width:0;">

        @if(session('error'))
            <div class="alert alert-danger alert-dismissible fade show">
                {{ session('error') }}
                <button type="button" class="btn-close" data-bs-dismiss="alert"></button>
            </div>
        @endif

        <div id="wizardAlert" class="alert d-none"></div>

        {{-- Step panels --}}
        @foreach($steps as $num => $s)
        <div id="stepPanel{{ $num }}" class="step-panel {{ $num === $savedStep ? '' : 'd-none' }}">
            <div class="card shadow-sm border-0 mb-3">
                <div class="card-header bg-white border-0 pt-4 pb-0 px-4">
                    <h6 class="fw-semibold mb-0"><i class="bx {{ $s['icon'] }} me-2 text-primary"></i>Step {{ $num }}: {{ $s['label'] }}</h6>
                </div>
                <div class="card-body px-4 pb-4">
                    @includeIf('admin.turbo-app.partials.v2.step-' . $num)
                </div>
            </div>

            <div class="d-flex justify-content-between">
                @if($num > 1)
                    <button type="button" class="black-btn-inner waves-effect btn-prev" data-prev="{{ $num - 1 }}">
                        <i class="bx bx-chevron-left"></i> Previous
                    </button>
                @else
                    <a href="{{ route('turbo-app.applications.index') }}" class="black-btn-inner waves-effect">Cancel</a>
                @endif

                <button type="button" class="green-btn-inner waves-effect btn-save-step" data-step="{{ $num }}">
                    @if($num < 6)
                        Save & Continue <i class="bx bx-chevron-right"></i>
                    @else
                        Save Application <i class="bx bx-check"></i>
                    @endif
                </button>
            </div>
        </div>
        @endforeach

    </div>

    {{-- ── Sidebar ── --}}
    <div id="appStepsSidebar" style="width:260px;flex-shrink:0;background:#fff;border-left:1px solid #e9ecef;">
        <div class="sticky-top" style="top:0;z-index:10;">
            <div class="d-flex align-items-center justify-content-between px-3 py-3" style="border-bottom:1px solid #e9ecef;">
                <span class="fw-semibold" style="font-size:0.9rem;">Application Steps</span>
                <button type="button" class="btn-close btn-sm" id="btnCloseSidebar"></button>
            </div>
            <ul class="list-unstyled mb-0">
                @foreach($steps as $num => $s)
                <li>
                    <div class="d-flex align-items-center px-3 py-3 sidebar-step" data-step="{{ $num }}"
                         style="cursor:default;">
                        <i class="bx {{ $s['icon'] }} me-3 flex-shrink-0" style="font-size:1.15rem;"></i>
                        <span class="flex-grow-1" style="font-size:0.87rem;">{{ $s['label'] }}</span>
                        <span class="step-status-badge ms-1"></span>
                    </div>
                </li>
                @if($num < 6)<li><hr class="my-0 mx-3" style="opacity:0.12;"></li>@endif
                @endforeach
            </ul>
        </div>
    </div>

</div>
</div>
</div>

<button type="button" id="btnOpenSidebar" class="btn btn-outline-primary btn-sm"
        style="display:none;position:fixed;top:50%;right:0;transform:translateY(-50%);
               z-index:1050;border-radius:4px 0 0 4px;padding:10px 6px;writing-mode:vertical-rl;">
    <i class="bx bx-list-ul"></i> Steps
</button>
@endsection

{{-- ═══════════════════════════════════════════════════════════════════════════
     Step 4 — Product modals
     Placed here (outside the flex layout, at body level via @stack('page_modals'))
     so the Bootstrap backdrop covers the full viewport including the sidebar.
═══════════════════════════════════════════════════════════════════════════ --}}
@push('page_modals')

{{-- ── MODAL 1: Add Integrated ── --}}
<div class="modal fade" id="modalAddIntegrated" tabindex="-1" aria-labelledby="modalAddIntegratedLabel" aria-hidden="true">
    <div class="modal-dialog modal-lg modal-dialog-scrollable">
        <div class="modal-content">
            <div class="modal-header">
                <h5 class="modal-title" id="modalAddIntegratedLabel">Add Integrated</h5>
                <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
            </div>
            <div class="modal-body">

                <div class="project-form">
                    <label class="form-label mb-0">Integrated Product <span class="text-danger">*</span></label>
                    <select id="int_product" class="form-control form-control-lg select2">
                        <option value="">— Select Product —</option>
                    </select>
                </div>

                <div class="mb-3" id="intTsipGroup">
                    <label class="form-label mb-0">TSIP Integrated with <span class="text-danger">*</span></label>
                    <div class="d-flex gap-4 mt-1">
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_tsip_MULTIPOS" name="int_tsip" value="MULTIPOS">
                            <label class="custom-control-label" for="int_tsip_MULTIPOS">MultiPOS</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_tsip_DEMO" name="int_tsip" value="DEMO">
                            <label class="custom-control-label" for="int_tsip_DEMO">Demo (Special Circumstances Only)</label>
                        </div>
                    </div>
                </div>

                <div class="row g-3 mb-3">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Setup Fee <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <span class="input-group-text">$</span>
                                <input type="number" id="int_setup_fee" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">
                                
                            </div>
                        </div>
                        <div class="form-text">One time</div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Monthly Fee <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <span class="input-group-text">$</span>
                                <input type="number" id="int_monthly_fee" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">
                                
                            </div>
                        </div>
                        <div class="form-text">Monthly</div>
                    </div>
                </div>

                <hr class="my-3">

                <h6 class="fw-semibold small mb-2">Additional Card Types</h6>
                <p class="small text-muted mb-2">Please make your selection (optional)</p>
                <div class="d-flex gap-4 flex-wrap mb-3">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="int_pin_debit">
                        <label class="custom-control-label" for="int_pin_debit">PIN Debit</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="int_ebt">
                        <label class="custom-control-label" for="int_ebt">EBT</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="int_debit_cashback">
                        <label class="custom-control-label" for="int_debit_cashback">Debit/EBT Cashback</label>
                    </div>
                </div>

                <div class="row g-3 mb-3">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Client ID <span class="text-muted small">(optional)</span></label>
                            <input type="text" id="int_client_id" class="form-control form-control-lg" placeholder="Enter Client ID">
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Domain URL <span class="text-danger">*</span></label>
                            <input type="text" id="int_domain_url" class="form-control form-control-lg" placeholder="Enter Domain URL">
                        </div>
                    </div>
                </div>

                <hr class="my-3">

                <h6 class="fw-semibold small mb-3">Configurations</h6>

                <div class="project-form">
                    <label class="form-label mb-0">Auto Close Time <span class="text-danger">*</span></label>
                    <div class="input-group">
                        <span class="input-group-text"><i class="bx bx-time"></i></span>
                        <input type="time" id="int_auto_close_time" class="form-control form-control-lg" value="22:45">
                    </div>
                </div>
                <div class="form-text mb-3">Use 24-hour format</div>

                <div class="project-form">
                    <label class="form-label mb-0">Location Type <span class="text-danger">*</span></label>
                    {{-- Live cert test disproved "MULTIPLE" — ElapApiService::mapLocationType()'s
                         own docblock confirms both "M" and "MULTIPLE" were rejected as invalid and
                         the real multi-location code was never identified. Only "Single" is
                         offered here to avoid presenting a choice guaranteed to fail, same as the
                         Multi Terminal Status fix on the Standalone modal. --}}
                    <select id="int_location_type" class="form-control form-control-lg no-search select2">
                        <option value="">— Select —</option>
                        <option value="SINGLE" selected>Single</option>
                    </select>
                </div>

                <div class="mb-3">
                    <p class="small text-muted mb-2">Please make your selection (optional)</p>
                    <div class="d-flex gap-4 flex-wrap">
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="int_partial_auth">
                            <label class="custom-control-label" for="int_partial_auth">Partial Auth</label>
                        </div>
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="int_enhanced_data">
                            <label class="custom-control-label" for="int_enhanced_data">Enhanced Data (Level II &amp; III)</label>
                        </div>
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="int_tokenization">
                            <label class="custom-control-label" for="int_tokenization">Tokenization</label>
                        </div>
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="int_mandatory_security_code">
                            <label class="custom-control-label" for="int_mandatory_security_code">Mandatory Security Code</label>
                        </div>
                    </div>
                </div>

                <div id="intTokenizationWarn" class="alert alert-warning d-none py-2 small mb-3">
                    <i class="bx bx-error-circle me-1"></i>
                    Token Zone cannot be changed without losing existing tokens once processing begins.
                </div>

                <div id="intTokenizationTypeGroup" class="mb-3 d-none">
                    <label class="form-label mb-0">Tokenization Type <span class="text-danger">*</span></label>
                    <div class="d-flex flex-column gap-2 mt-1">
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_tokenization_type_DEFAULT" name="int_tokenization_type" value="DEFAULT_TOKEN_ZONE">
                            <label class="custom-control-label" for="int_tokenization_type_DEFAULT">Default Token Zone</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_tokenization_type_CUSTOM" name="int_tokenization_type" value="CUSTOM_TOKEN_ZONE">
                            <label class="custom-control-label" for="int_tokenization_type_CUSTOM">Custom Token Zone</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_tokenization_type_GENIUS" name="int_tokenization_type" value="CUSTOM_TOKEN_ZONE_GENIUS">
                            <label class="custom-control-label" for="int_tokenization_type_GENIUS">Custom Token Zone - Genius</label>
                        </div>
                    </div>
                </div>

                <div class="mb-3">
                    <label class="form-label mb-0">Do you want to add Equipment? <span class="text-danger">*</span></label>
                    <div class="d-flex gap-4 mt-1">
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_add_equipment_YES" name="int_add_equipment" value="YES">
                            <label class="custom-control-label" for="int_add_equipment_YES">Yes</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="int_add_equipment_NO" name="int_add_equipment" value="NO" checked>
                            <label class="custom-control-label" for="int_add_equipment_NO">No</label>
                        </div>
                    </div>
                </div>

                @include('admin.turbo-app.partials.equipment-section', ['prefix' => 'int_equip'])

                <div class="modal-elap-error alert alert-warning d-none mb-0 mt-3"></div>

            </div>
            <div class="modal-footer">
                <button type="button" class="black-btn-inner waves-effect btn-sm" data-bs-dismiss="modal">Cancel</button>
                <button type="button" class="green-btn-inner waves-effect btn-sm" id="btnSaveIntegrated">Save</button>
            </div>
        </div>
    </div>
</div>

{{-- ── MODAL 2: Add Standalone ── --}}
<div class="modal fade" id="modalAddStandalone" tabindex="-1" aria-labelledby="modalAddStandaloneLabel" aria-hidden="true">
    <div class="modal-dialog modal-lg modal-dialog-scrollable">
        <div class="modal-content">
            <div class="modal-header">
                <h5 class="modal-title" id="modalAddStandaloneLabel">Add Standalone</h5>
                <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
            </div>
            <div class="modal-body">

                <h6 class="fw-semibold small mb-2">Additional Card Types</h6>
                <p class="small text-muted mb-2">Please make your selection (optional)</p>
                <div class="d-flex gap-4 flex-wrap mb-4">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_pin_debit">
                        <label class="custom-control-label" for="sa_pin_debit">PIN Debit</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_ebt">
                        <label class="custom-control-label" for="sa_ebt">EBT</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_debit_cashback">
                        <label class="custom-control-label" for="sa_debit_cashback">Debit/EBT Cashback</label>
                    </div>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">POS Source <span class="text-danger">*</span></label>
                    {{-- Live-verified: this is the "Source" cascade key from ELAP's
                         product/standalone/equipment/list catalog (sourceBillTo's object keys —
                         e.g. PN/PO/MO/STR/RTL), NOT masterRecord/posSource. Populated dynamically
                         from the selected Brand+Model's catalog entry — see turbo-app-create.js. --}}
                    <select id="sa_pos_source" class="form-control form-control-lg no-search select2">
                        <option value="">— Select Model first —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Brand <span class="text-danger">*</span></label>
                    <select id="sa_brand" class="form-control form-control-lg select2">
                        <option value="">— Select Brand —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Model <span class="text-danger">*</span></label>
                    {{-- Filtered client-side to the catalog entries for the selected Brand that
                         have a real (non-empty) industryApplication/sourceBillTo map — "stub" rows
                         like a bare "Vx520" with industryApplication: [] are excluded since they
                         have no valid combo and would dead-end the cascade. --}}
                    <select id="sa_model" class="form-control form-control-lg select2">
                        <option value="">— Select Brand first —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Industry <span class="text-danger">*</span></label>
                    {{-- Populated from the selected catalog entry's industryApplication keys. --}}
                    <select id="sa_industry" class="form-control form-control-lg select2">
                        <option value="">— Select Model first —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Application <span class="text-danger">*</span></label>
                    {{-- Populated from industryApplication[industry] for the selected entry. --}}
                    <select id="sa_application" class="form-control form-control-lg select2">
                        <option value="">— Select Industry first —</option>
                    </select>
                </div>

                <div class="row g-3">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Connection Method <span class="text-danger">*</span></label>
                            {{-- Populated from the per-combo product/standalone/equipment lookup's
                                 communicationWithPOS labels once Industry/Brand/Application/Source/
                                 Model are all selected — see CONNECTION_METHOD_CODES below for the
                                 label→code map ("WiFi"→"F" and "Ethernet"→"Q" are live-confirmed;
                                 Dial/Broadband/Wireless are still flagged guesses). --}}
                            <select id="sa_connection_method" class="form-control form-control-lg no-search select2">
                                <option value="">— Select equipment first —</option>
                            </select>
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Bill To <span class="text-danger">*</span></label>
                            {{-- Populated from sourceBillTo[source] for the selected entry — real
                                 ELAP codes ("MER"/"AGT"/"N/A"), shown with a friendly label. --}}
                            <select id="sa_bill_to" class="form-control form-control-lg no-search select2">
                                <option value="">— Select POS Source first —</option>
                            </select>
                        </div>
                    </div>
                </div>

                <div class="row g-3 mt-1">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Price <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <input type="number" id="sa_price" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">
                                <span class="input-group-text">USD</span>
                            </div>
                        </div>
                    </div>
                </div>

                <div class="row g-3 mt-1">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Unsupported POS <span class="text-muted small">(optional)</span></label>
                            <input type="text" id="sa_unsupported_pos" class="form-control form-control-lg" placeholder="Enter Unsupported POS" maxlength="100">
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Version <span class="text-muted small">(optional)</span></label>
                            <input type="text" id="sa_version" class="form-control form-control-lg" placeholder="Enter Version" maxlength="100">
                        </div>
                    </div>
                </div>

                <div class="mb-3 mt-2">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_price_includes_markup">
                        <label class="custom-control-label" for="sa_price_includes_markup">Price includes Markup</label>
                    </div>
                </div>

                <hr class="my-3">

                <h6 class="fw-semibold small mb-3">EMV Reader/PIN Pad Selection</h6>

                <div class="project-form">
                    <label class="form-label mb-0">EMV Reader/PIN Pad Source <span class="text-danger">*</span></label>
                    {{-- "N/A" (opt out of a separate reader) is always available. The remaining
                         options come from the per-combo product/standalone/equipment lookup's
                         emv[].sourceBillTo keys for the chosen terminal — see
                         populateEmvReaderCascade() in turbo-app-create.js. --}}
                    <select id="sa_emv_reader_source" class="form-control form-control-lg no-search select2">
                        <option value="N/A" selected>N/A</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">EMV Reader/PIN Pad Brand <span class="text-danger">*</span></label>
                    {{-- Populated from the per-combo lookup's emv[].brand. Normally exactly one
                         entry, so this stays fixed/read-only (matching the earlier screenshot);
                         if ELAP ever returns more than one entry it becomes a real pick list. --}}
                    <select id="sa_emv_reader_brand" class="form-control form-control-lg select2" disabled>
                        <option value="Verifone" selected>Verifone</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">EMV Reader/PIN Pad Model <span class="text-danger">*</span></label>
                    {{-- Populated from the per-combo lookup's emv[].model — same caveat as Brand. --}}
                    <select id="sa_emv_reader_model" class="form-control form-control-lg select2" disabled>
                        <option value="Integrated" selected>Integrated</option>
                    </select>
                </div>

                <hr class="my-3">

                <h6 class="fw-semibold small mb-3">Configurations</h6>

                <div class="row g-3">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Customer Receipt <span class="text-danger">*</span></label>
                            {{-- Live cert test (2026-07-10): "Y" and "N" (the previous guesses)
                                 are both rejected ("configurations.customerReceipt value is
                                 invalid") — confirmed via direct product-create calls on this
                                 account. Only "A" and "C" actually succeed; ELAP's own label for
                                 "C" isn't known, so it's shown as its raw code rather than
                                 inventing another unconfirmed label. --}}
                            <select id="sa_customer_receipt" class="form-control form-control-lg no-search select2">
                                <option value="">— Select —</option>
                                <option value="A">Auto</option>
                                <option value="C">C</option>
                            </select>
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Print Size <span class="text-danger">*</span></label>
                            {{-- Live cert test (2026-07-10): ELAP rejected both "M" and "L" with
                                 "PrintSize must match an accepted value: [S]" — an explicit enum
                                 listing confirming "S" is the ONLY accepted value on this account,
                                 same pattern as the Multi Terminal Status fix. Not offering a
                                 choice guaranteed to fail. --}}
                            <select id="sa_print_size" class="form-control form-control-lg no-search select2">
                                <option value="">— Select —</option>
                                <option value="S" selected>Small</option>
                            </select>
                        </div>
                    </div>
                </div>

                <div class="row g-3">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Batch Close Method <span class="text-danger">*</span></label>
                            {{-- Populated from the per-combo lookup's batchCloseMethod labels
                                 (AUTO→"A", MANUAL→"M" — both confirmed: "A" via a live sample,
                                 and the closed [A, M] enum via an ELAP validation error). --}}
                            <select id="sa_batch_close_method" class="form-control form-control-lg no-search select2">
                                <option value="">— Select equipment first —</option>
                            </select>
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Auto Close Time <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <span class="input-group-text"><i class="bx bx-time"></i></span>
                                <input type="time" id="sa_auto_close_time" class="form-control form-control-lg" value="22:30">
                            </div>
                            <div class="form-text">Use 24-hour format</div>
                        </div>
                    </div>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Multi Terminal Status <span class="text-danger">*</span></label>
                    {{-- Live cert test (2026-07-10) disproved "N/A" and "Y" — ELAP rejected both
                         with "configurations.multiTerminalStatus value is invalid". Only "N" is
                         currently accepted on this account (confirmed even with Manual batch
                         close); ELAP's Parent/Child codes ("P"/"C") exist but need account-level
                         multi-location setup this form doesn't collect, so they're not offered
                         here to avoid presenting a choice guaranteed to fail. --}}
                    <select id="sa_multi_terminal_status" class="form-control form-control-lg no-search select2">
                        <option value="">— Select —</option>
                        <option value="N" selected>No</option>
                    </select>
                </div>

                <hr class="my-3">

                <p class="small text-muted mb-2">Please make your selection (optional)</p>
                <div class="d-flex flex-column gap-2 mb-3">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_avs_support" checked>
                        <label class="custom-control-label" for="sa_avs_support">AVS Support</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_prompt_invoice_number">
                        <label class="custom-control-label" for="sa_prompt_invoice_number">Prompt for Invoice Number</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_promt_corp_card">
                        <label class="custom-control-label" for="sa_promt_corp_card">Prompt for Corp Card</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        {{-- Disabled unless Industry = E-Commerce, mirroring the screenshot's
                             greyed-out state for a Retail selection. --}}
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_prompt_ecommerce" disabled>
                        <label class="custom-control-label" for="sa_prompt_ecommerce">Prompt for E-Commerce</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_prompt_verification" checked>
                        <label class="custom-control-label" for="sa_prompt_verification">Prompt for Verification Code</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_tip_at_time_of_sale">
                        <label class="custom-control-label" for="sa_tip_at_time_of_sale">Tip at Time of Sale</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_tip_calculator">
                        <label class="custom-control-label" for="sa_tip_calculator">Tip Calculator</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        {{-- Greyed out/derived from the selected terminal (Brand+Model), not
                             independently user-editable — still sent as "Y" since a disabled
                             checkbox's initial checked state is the value. --}}
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_emv_contact" checked disabled>
                        <label class="custom-control-label" for="sa_emv_contact">EMV Contact</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="sa_emv_contactless" checked disabled>
                        <label class="custom-control-label" for="sa_emv_contactless">NFC/Contactless</label>
                    </div>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0 d-flex justify-content-between">
                        <span>Special Instructions <span class="text-muted small">(optional)</span></span>
                        <span class="text-muted small" id="saSpecialInstructionsCount">0/64</span>
                    </label>
                    <textarea id="sa_special_instructions" class="form-control form-control-lg" maxlength="64" placeholder="Enter Special Instructions" rows="3"></textarea>
                </div>

                <div class="modal-elap-error alert alert-warning d-none mb-0 mt-3"></div>

            </div>
            <div class="modal-footer">
                <button type="button" class="black-btn-inner waves-effect btn-sm" data-bs-dismiss="modal">Cancel</button>
                <button type="button" class="green-btn-inner waves-effect btn-sm" id="btnSaveStandalone">Save</button>
            </div>
        </div>
    </div>
</div>

{{-- ── MODAL 3: Add WebPass ── --}}
<div class="modal fade" id="modalAddWebPass" tabindex="-1" aria-labelledby="modalAddWebPassLabel" aria-hidden="true">
    <div class="modal-dialog modal-lg modal-dialog-scrollable">
        <div class="modal-content">
            <div class="modal-header">
                <h5 class="modal-title" id="modalAddWebPassLabel">Add WebPass</h5>
                <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
            </div>
            <div class="modal-body">

                <div class="project-form">
                    <label class="form-label mb-0">WebPass Integration <span class="text-danger">*</span></label>
                    <select id="wp_integration_product" class="form-control form-control-lg select2">
                        <option value="">— Select Product —</option>
                    </select>
                </div>

                <div class="row g-3 mb-4">
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Setup Fee <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <span class="input-group-text">$</span>
                                <input type="number" id="wp_setup_fee" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">

                            </div>
                        </div>
                        <div class="form-text">One time</div>
                    </div>
                    <div class="col-md-6">
                        <div class="project-form">
                            <label class="form-label mb-0">Monthly Fee <span class="text-danger">*</span></label>
                            <div class="input-group">
                                <span class="input-group-text">$</span>
                                <input type="number" id="wp_monthly_fee" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">

                            </div>
                        </div>
                        <div class="form-text">Monthly</div>
                    </div>
                </div>

                <h6 class="fw-semibold small mb-2">Additional Card Types</h6>
                <p class="small text-muted mb-2">Please make your selection (optional)</p>
                <div class="d-flex gap-4 flex-wrap mb-4">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="wp_ach">
                        <label class="custom-control-label" for="wp_ach">ACH</label>
                    </div>
                </div>

                <hr class="my-3">

                <h6 class="fw-semibold small mb-3">Configurations</h6>

                <div class="project-form">
                    <label class="form-label mb-0">Auto Close Time <span class="text-danger">*</span></label>
                    <div class="input-group">
                        <span class="input-group-text"><i class="bx bx-time"></i></span>
                        <input type="time" id="wp_auto_close_time" class="form-control form-control-lg" value="22:45">
                    </div>
                </div>
                <div class="form-text mb-3">Use 24-hour format</div>

                <div class="project-form">
                    <label class="form-label mb-0">Location Type <span class="text-danger">*</span></label>
                    {{-- Live cert test disproved "MULTIPLE" — see ElapApiService::mapLocationType()'s
                         docblock, same reasoning as the Integrated modal's identical fix above. --}}
                    <select id="wp_location_type" class="form-control form-control-lg no-search select2">
                        <option value="">— Select —</option>
                        <option value="SINGLE" selected>Single</option>
                    </select>
                </div>

                <div class="mb-3">
                    <p class="small text-muted mb-2">Please make your selection (optional)</p>
                    <div class="d-flex gap-4 flex-wrap">
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="wp_partial_auth">
                            <label class="custom-control-label" for="wp_partial_auth">Partial Auth</label>
                        </div>
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="wp_enhanced_data">
                            <label class="custom-control-label" for="wp_enhanced_data">Enhanced Data (Level II &amp; III)</label>
                        </div>
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="wp_mandatory_security_code">
                            <label class="custom-control-label" for="wp_mandatory_security_code">Mandatory Security Code</label>
                        </div>
                    </div>
                </div>

                <div class="mb-3 d-flex align-items-center gap-3">
                    <label class="form-label mb-0">Send Welcome Email</label>
                    <div class="form-check form-switch mb-0">
                        <input type="checkbox" class="form-check-input" id="wp_send_welcome_email" checked role="switch">
                    </div>
                </div>

                <div class="project-form" id="wpReceiverEmailGroup">
                    <label class="form-label mb-0">Receiver Email Address <span class="text-danger">*</span></label>
                    <div class="input-group">
                        <span class="input-group-text"><i class="bx bx-envelope"></i></span>
                        <input type="email" id="wp_receiver_email" class="form-control form-control-lg" placeholder="Enter Receiver Email Address">
                    </div>
                </div>

                <div class="mb-3" id="wpEquipmentGroup">
                    <label class="form-label mb-0">Do you want to add Equipment? <span class="text-danger">*</span></label>
                    <div class="d-flex gap-4 mt-1">
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="wp_add_equipment_YES" name="wp_add_equipment" value="YES">
                            <label class="custom-control-label" for="wp_add_equipment_YES">Yes</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="wp_add_equipment_NO" name="wp_add_equipment" value="NO" checked>
                            <label class="custom-control-label" for="wp_add_equipment_NO">No</label>
                        </div>
                    </div>
                </div>

                <div class="modal-elap-error alert alert-warning d-none mb-0 mt-3"></div>

            </div>
            <div class="modal-footer">
                <button type="button" class="black-btn-inner waves-effect btn-sm" data-bs-dismiss="modal">Cancel</button>
                <button type="button" class="green-btn-inner waves-effect btn-sm" id="btnSaveWebPass">Save</button>
            </div>
        </div>
    </div>
</div>

{{-- ── MODAL 4: Add Genius ── --}}
<div class="modal fade" id="modalAddGenius" tabindex="-1" aria-labelledby="modalAddGeniusLabel" aria-hidden="true">
    <div class="modal-dialog modal-lg modal-dialog-scrollable">
        <div class="modal-content">
            <div class="modal-header">
                <h5 class="modal-title" id="modalAddGeniusLabel">Add Genius</h5>
                <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
            </div>
            <div class="modal-body">

                <div class="project-form">
                    <label class="form-label mb-0">Genius Package <span class="text-danger">*</span></label>
                    <select id="gen_package" class="form-control form-control-lg select2">
                        <option value="">— Select Package —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Setup Fee</label>
                    <div class="input-group">
                        <span class="input-group-text">$</span>
                        <input type="number" id="gen_setup_fee" class="form-control form-control-lg" step="0.01" min="0" placeholder="0.00">
                        
                    </div>
                </div>
                <div class="form-text mb-3">One time</div>

                <h6 class="fw-semibold small mb-2">Additional Card Types</h6>
                <p class="small text-muted mb-2">Please make your selection (optional)</p>
                <div class="d-flex gap-4 flex-wrap mb-4">
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="gen_pin_debit">
                        <label class="custom-control-label" for="gen_pin_debit">PIN Debit</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="gen_ebt">
                        <label class="custom-control-label" for="gen_ebt">EBT</label>
                    </div>
                    <div class="custom-control custom-checkbox project-checkbox">
                        <input class="custom-control-input form-check-input" type="checkbox" id="gen_debit_cashback">
                        <label class="custom-control-label" for="gen_debit_cashback">Debit/EBT Cashback</label>
                    </div>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Brand <span class="text-danger">*</span></label>
                    <select id="gen_brand" class="form-control form-control-lg select2">
                        <option value="">— Select Brand —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Model <span class="text-danger">*</span></label>
                    <select id="gen_model" class="form-control form-control-lg select2">
                        <option value="">— Select Model —</option>
                    </select>
                </div>

                <div class="project-form">
                    <label class="form-label mb-0">Application <span class="text-danger">*</span></label>
                    <select id="gen_application" class="form-control form-control-lg select2">
                        <option value="">— Select Application —</option>
                    </select>
                </div>

                <hr class="my-3">

                <div class="mb-3">
                    <p class="small text-muted mb-2">Please make your selection (optional)</p>
                    <div class="d-flex gap-4 flex-wrap">
                        <div class="custom-control custom-checkbox project-checkbox">
                            <input class="custom-control-input form-check-input" type="checkbox" id="gen_mandatory_security_code">
                            <label class="custom-control-label" for="gen_mandatory_security_code">Mandatory Security Code</label>
                        </div>
                    </div>
                </div>

                <div class="mb-3" id="genEquipmentGroup">
                    <label class="form-label mb-0">Do you want to add Equipment? <span class="text-danger">*</span></label>
                    <div class="d-flex gap-4 mt-1">
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="gen_add_equipment_YES" name="gen_add_equipment" value="YES">
                            <label class="custom-control-label" for="gen_add_equipment_YES">Yes</label>
                        </div>
                        <div class="custom-control custom-radio custom-radio-primary project-checkbox">
                            <input class="custom-control-input" type="radio" id="gen_add_equipment_NO" name="gen_add_equipment" value="NO" checked>
                            <label class="custom-control-label" for="gen_add_equipment_NO">No</label>
                        </div>
                    </div>
                </div>

                @include('admin.turbo-app.partials.equipment-section', ['prefix' => 'gen_equip'])

                <div class="modal-elap-error alert alert-warning d-none mb-0 mt-3"></div>

            </div>
            <div class="modal-footer">
                <button type="button" class="black-btn-inner waves-effect btn-sm" data-bs-dismiss="modal">Cancel</button>
                <button type="button" class="green-btn-inner waves-effect btn-sm" id="btnSaveGenius">Save</button>
            </div>
        </div>
    </div>
</div>

{{-- ── MODAL: Attach Document (Step 6) ──
     Placed here at body level so the Bootstrap backdrop covers the full viewport.
     Same pattern as the Step 4 product modals above. --}}
<div class="modal fade" id="modalAttachDocument" tabindex="-1" aria-labelledby="modalAttachDocumentLabel" aria-hidden="true">
    <div class="modal-dialog modal-dialog-centered">
        <div class="modal-content">
            <div class="modal-header">
                <h5 class="modal-title" id="modalAttachDocumentLabel">
                    <i class="bx bx-upload me-1"></i> Attach Document
                </h5>
                <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button>
            </div>
            <div class="modal-body">
                <div id="docUploadAlert" class="alert d-none mb-3"></div>
                <div class="mb-3">
                    <label for="docTypeSelect" class="form-label">Document Type <span class="text-danger">*</span></label>
                    <select class="form-select" id="docTypeSelect" name="document_type">
                        <option value="">— Select Type —</option>
                        {{-- This is ELAP's complete, real document-type vocabulary — confirmed from
                             the ELAP CERT Postman collection's negative test for an invalid docType
                             ("Accepted docTypes must be from: [SMA, FS, BL, SS, PB, BR, PS, MM, FD,
                             Tax, NP, ACH, PC, CH, VITL]"). There is no OTHER value — an upload with
                             any value outside this list is rejected — sent to ELAP as-is, no
                             local-to-ELAP translation layer. --}}
                        <option value="SMA">Merchant Agreement (SMA)</option>
                        <option value="FS">Financial Statement (FS)</option>
                        <option value="BL">Bank Letter (BL)</option>
                        <option value="SS">Site Survey (SS)</option>
                        <option value="PB">Photo of Business (PB)</option>
                        <option value="BR">Business Registration/License (BR)</option>
                        <option value="PS">Processing Statement (PS)</option>
                        <option value="MM">Merchant Statement (MM)</option>
                        <option value="FD">Formation Document (FD)</option>
                        <option value="Tax">Tax Document (Tax)</option>
                        <option value="NP">Non-Profit Documentation (NP)</option>
                        <option value="ACH">ACH Authorization Form (ACH)</option>
                        <option value="PC">Photo/Copy of ID (PC)</option>
                        <option value="CH">Voided Check (CH)</option>
                        <option value="VITL">Vital Document (VITL)</option>
                    </select>
                </div>
                <div class="mb-3">
                    <label for="docFileInput" class="form-label">File <span class="text-danger">*</span></label>
                    <input type="file" class="form-control" id="docFileInput" name="file"
                           accept=".pdf,.jpg,.jpeg,.png,.doc,.docx">
                    <div class="form-text text-muted">Allowed: PDF, JPG, PNG, DOC, DOCX — max 10 MB</div>
                </div>
                <div id="docUploadProgress" class="d-none">
                    <div class="d-flex align-items-center gap-2">
                        <div class="spinner-border spinner-border-sm text-primary" role="status"></div>
                        <span class="small text-muted">Uploading…</span>
                    </div>
                </div>
            </div>
            <div class="modal-footer">
                <button type="button" class="black-btn-inner waves-effect btn-sm" data-bs-dismiss="modal">Cancel</button>
                <button type="button" class="green-btn-inner waves-effect btn-sm" id="btnUploadDocumentConfirm">
                    <i class="bx bx-upload me-1"></i> Upload
                </button>
            </div>
        </div>
    </div>
</div>

@endpush

@push('page_script')
<script>
(function () {
    var APPLICATION_ID = @json($appId);
    var CURRENT_STEP   = @json($savedStep);
    // Reuses the $steps labels already defined above (no second source of step names) so
    // showElapErrors() can name the specific step in its toast without a lookup table of its own.
    var STEP_LABELS    = @json(array_map(fn ($s) => $s['label'], $steps));
    var COMPLETED      = @json($completed);
    var ASSOC_ID       = @json($assocId);
    var PARTNER_ID     = '{{ config("services.elap.partner_id") }}';
    var MASTER_URL     = @json($masterDataUrl);
    // Exposed so the shared turbo-app-address-autofill.js (separate script/scope, also loaded by
    // the legacy create form) can hit the same ZIP/state/country master-data endpoint.
    window.MASTER_URL  = MASTER_URL;
    var SAVE_BASE_URL  = @json($saveStepBaseUrl);
    var LEAD_DATA_URL  = '{{ rtrim(route("turbo-app.create-application.lead-data", ["leadId" => "0"]), "0") }}';
    var APPLICATIONS_INDEX_URL = '{{ route("turbo-app.applications.index") }}';
    var DOC_UPLOAD_URL_TPL = '{{ route("turbo-app.create-application.documents.upload", ["appId" => "__APPID__"]) }}';
    var DOC_LIST_URL_TPL   = '{{ route("turbo-app.create-application.documents.list",   ["appId" => "__APPID__"]) }}';
    var DOC_DELETE_URL_TPL = '{{ route("turbo-app.create-application.documents.delete", ["appId" => "__APPID__", "docId" => "__DOCID__"]) }}';
    var PRODUCT_SAVE_URL_TPL   = '{{ route("turbo-app.create-application.products.save",   ["appId" => "__APPID__"]) }}';
    var PRODUCT_UPDATE_URL_TPL = '{{ route("turbo-app.create-application.products.update", ["appId" => "__APPID__", "productId" => "__PRODUCTID__"]) }}';
    var PRODUCT_DELETE_URL_TPL = '{{ route("turbo-app.create-application.products.delete", ["appId" => "__APPID__", "productId" => "__PRODUCTID__"]) }}';
    var ACTIVE_STEP_URL_TPL    = '{{ route("turbo-app.create-application.active-step", ["appId" => "__APPID__"]) }}';
    // turbo-app-create.js is a separate script file with its own scope — it can't see the vars
    // above (declared inside this IIFE), so the ones it needs for immediate per-product AJAX
    // save/update/delete are exposed globally here, same direction as this file already reads
    // window.buildProductCard (exposed the other way, from turbo-app-create.js to here).
    window.APPLICATION_ID = APPLICATION_ID;
    window.PRODUCT_SAVE_URL_TPL = PRODUCT_SAVE_URL_TPL;
    window.PRODUCT_UPDATE_URL_TPL = PRODUCT_UPDATE_URL_TPL;
    window.PRODUCT_DELETE_URL_TPL = PRODUCT_DELETE_URL_TPL;
    var _leadPrefillData   = null;
    var STEP_DATA          = @json($stepData ?? []);
    var POPULATED_STEPS    = {};
    var MASTER_DATA_LOADED = {};
    // Tracks the in-flight master-data promises per step (same array goToStep()/the init block
    // already pass to $.when.apply() below to gate populateStep() rehydration) — published here
    // so the Save button gating (isStepMasterDataLoading()/setSaveButtonLoading() further down)
    // can check/await the exact same loads instead of a second, duplicate tracking mechanism.
    var MASTER_DATA_PROMISES = {};
    var ELAP_CONTACT_TYPES = [];
    // Step 6: the document list already fetched by loadDocumentList() below, kept here so the
    // Save button's "Yes — Send for e-Signature" guard can check for an SMA document without a
    // second AJAX round-trip.
    var CURRENT_DOCUMENTS = [];
    var _feeProcessingDetail = [];
    // Built from App\Helpers\LocationOptions::usStates() (location_states master table) — the
    // single canonical US-state list shared with the legacy create form's business-info/add-owner
    // state selects.
    var US_STATE_OPTIONS   = '{!! collect($usStates)->map(fn($name, $code) => "<option value=\"" . e($code) . "\">" . e($name) . "</option>")->implode("") !!}';
    var PHONE_CODE_OPTIONS = '{!! $phoneCodes->map(fn($c) => "<option value=\"" . e($c->phone_code) . "\">" . e($c->phone_code) . "</option>")->implode("") !!}';

    // Populates a State <select> synchronously from the local US_STATE_OPTIONS list instead of
    // an ELAP round-trip. `masterRecord/state` is not a valid ELAP action (confirmed live:
    // 40252 INVALID_ACTION, "Cannot determine the action being executed") — every call to it
    // silently 400s and falls back to the server's own static list anyway, so calling ELAP for
    // this data was always a wasted, doomed round-trip. Using the same 2-letter USPS codes the
    // ZIP-lookup's stateCode returns also removes the timing window where the ZIP autofill's
    // .val(stateCode) call could run before an async-loaded state list existed yet.
    function populateStateSelect($sel) {
        if ($sel.find('option').length <= 1) {
            $sel.append(US_STATE_OPTIONS);
            // Same as loadSelect()'s complete callback — refreshes Select2's rendered selection
            // text after the underlying native <select>'s options changed via raw DOM append.
            if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change'); }
        }
    }

    // ── Sidebar open/close
    $('#btnCloseSidebar').on('click', function () { $('#appStepsSidebar').hide(); $('#btnOpenSidebar').show(); });
    $('#btnOpenSidebar').on('click', function () { $('#appStepsSidebar').show(); $(this).hide(); });

    // ── Update sidebar visual state
    function refreshSidebarSteps(completedArr, activeStep) {
        $('.sidebar-step').each(function () {
            var n = parseInt($(this).data('step'));
            var badge = $(this).find('.step-status-badge');
            badge.empty();
            if (completedArr.indexOf(n) >= 0) {
                $(this).css({'opacity': '1', 'cursor': 'pointer'});
                badge.html('<span style="display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:4px;border:1.5px solid #16C4C0;background:#fff;flex-shrink:0;"><i class="bx bx-check" style="color:#16C4C0;font-size:14px;line-height:1;"></i></span>');
            } else if (n === activeStep) {
                $(this).css({'opacity': '1', 'cursor': 'default'});
                badge.html('<span class="badge" style="font-size:0.7rem;background:#16C4C0;color:#fff;">Current</span>');
            } else {
                $(this).css({'opacity': '0.45', 'cursor': 'not-allowed'});
                badge.html('<i class="bx bx-lock-alt text-muted" style="font-size:0.9rem;"></i>');
            }
        });
    }

    // ── Navigate to a step panel
    var lastPingedActiveStep = null;
    function pingActiveStep(step) {
        // Fire-and-forget signal so a reload resumes on the step the user was actually viewing
        // (last_active_step) rather than the furthest-unlocked step (current_step, untouched by
        // this — see setActiveStep() in TurboAppApplicationController). Guarded so rapid
        // clicking through steps doesn't spam the endpoint with no-op pings.
        if (!APPLICATION_ID || step === lastPingedActiveStep) { return; }
        lastPingedActiveStep = step;
        $.ajax({
            url: ACTIVE_STEP_URL_TPL.replace('__APPID__', APPLICATION_ID),
            method: 'POST',
            data: { step: step, _token: _token },
        });
    }

    function goToStep(step) {
        $('.step-panel').addClass('d-none');
        $('#stepPanel' + step).removeClass('d-none');
        CURRENT_STEP = step;
        refreshSidebarSteps(COMPLETED, step);
        pingActiveStep(step);

        if (!MASTER_DATA_LOADED[step]) {
            MASTER_DATA_LOADED[step] = true;
            var masterDataPromises = loadMasterDataForStep(step) || [];
            MASTER_DATA_PROMISES[step] = masterDataPromises;
            setSaveButtonLoading(step, masterDataPromises.length > 0);
            $.when.apply($, masterDataPromises).always(function () {
                setSaveButtonLoading(step, false);
            });
            if (STEP_DATA[step] && !POPULATED_STEPS[step]) {
                POPULATED_STEPS[step] = true;
                $.when.apply($, masterDataPromises).always(function () {
                    populateStep(step, STEP_DATA[step]);
                });
            }
        } else if (STEP_DATA[step] && !POPULATED_STEPS[step]) {
            POPULATED_STEPS[step] = true;
            populateStep(step, STEP_DATA[step]);
        }

        if (step === 6 && APPLICATION_ID) { loadDocumentList(); }
    }

    // ── HTML-escape helper — prevents XSS when rendering server strings via .html()
    function escapeHtml(str) {
        return $('<div>').text(str == null ? '' : String(str)).html();
    }

    // ── Turns a raw validation error key (e.g. "owners.0.contact_title") into a friendly,
    // non-technical label (e.g. "Owner 1 > Contact Title") for keys not covered by a
    // hand-picked FIELD_LABELS entry, so users never see raw array-index field paths.
    var OWNER_ADDRESS_SECTION_LABELS = ['DBA Address', 'Legal Address', 'Mailing Address', 'Chargeback Address'];
    function titleizeFieldSegment(segment) {
        return segment.replace(/_/g, ' ').replace(/\b\w/g, function (c) { return c.toUpperCase(); });
    }
    function humanizeFieldKey(key) {
        var ownerMatch = key.match(/^owners\.(\d+)\.(.+)$/);
        if (ownerMatch) {
            return 'Owner ' + (parseInt(ownerMatch[1], 10) + 1) + ' > ' + titleizeFieldSegment(ownerMatch[2]);
        }
        var addressMatch = key.match(/^addresses\.(\d+)\.(.+)$/);
        if (addressMatch) {
            var section = OWNER_ADDRESS_SECTION_LABELS[parseInt(addressMatch[1], 10)] || ('Address ' + (parseInt(addressMatch[1], 10) + 1));
            return section + ' > ' + titleizeFieldSegment(addressMatch[2]);
        }
        var addOnMatch = key.match(/^add_ons\.(.+)$/);
        if (addOnMatch) {
            return titleizeFieldSegment(addOnMatch[1]);
        }
        // Generic fallback — drop numeric array indices, title-case the rest.
        return key.split('.').filter(function (segment) { return !/^\d+$/.test(segment); })
            .map(titleizeFieldSegment).join(' > ');
    }

    // ── Gate the Save button on a step's in-flight master-data loads (same
    // MASTER_DATA_PROMISES[step] array populated by goToStep()/the init block below) so a select
    // still showing the "Loading…" placeholder can't be submitted with an empty value.
    function setSaveButtonLoading(step, isLoading) {
        var $btn = $('.btn-save-step[data-step="' + step + '"]');
        if (!$btn.length) return;
        if (isLoading) {
            if ($btn.data('orig-html') === undefined) { $btn.data('orig-html', $btn.html()); }
            $btn.prop('disabled', true)
                .attr('title', 'Please wait — loading options…')
                .html('<span class="spinner-border spinner-border-sm me-1"></span> Loading options…');
        } else {
            if ($btn.data('orig-html') !== undefined) { $btn.html($btn.data('orig-html')); }
            $btn.prop('disabled', false).removeAttr('title');
        }
    }

    // Defensive re-check used by the .btn-save-step click handler in addition to the disabled
    // state above — reads the same MASTER_DATA_PROMISES[step] array rather than a second flag.
    function isStepMasterDataLoading(step) {
        var promises = MASTER_DATA_PROMISES[step] || [];
        for (var i = 0; i < promises.length; i++) {
            if (promises[i] && typeof promises[i].state === 'function' && promises[i].state() === 'pending') {
                return true;
            }
        }
        return false;
    }

    // ── Show alert
    function showAlert(type, msg) {
        $('#wizardAlert').removeClass('d-none alert-success alert-danger alert-warning')
            .addClass('alert-' + type).html(msg);
        $('html, body').animate({ scrollTop: 0 }, 200);
    }

    // ── Show ELAP (payment processor) field-rejection errors grouped by section
    // Some groups (e.g. Step 6's SMA-document/App-Signer/already-submitted guards, marked
    // `local: true` by TurboAppApplicationService::recordLocalError()) are purely local
    // validation failures that never reached ELAP — the heading must not imply a processor-side
    // problem for those, so it only claims "the payment processor rejected" something when at
    // least one group in this batch is a real ELAP rejection.
    function showElapErrors(groups) {
        var allLocal = groups.length > 0 && groups.every(function (g) { return g.local === true; });
        var heading  = allLocal ? 'Please fix the following before continuing.' : 'The payment processor rejected some fields.';
        var html = '<strong><i class="bx bx-error me-1"></i>' + heading + '</strong>'
                 + '<div class="small mt-1">Your progress is saved as a draft. Please correct the following and save again:</div><ul class="mb-0 mt-1">';
        $.each(groups, function (i, g) {
            var section = escapeHtml(g.section || 'Details');
            $.each(g.messages || [], function (j, m) {
                html += '<li><strong>' + section + ':</strong> ' + escapeHtml(m) + '</li>';
            });
        });
        html += '</ul>';
        showAlert('warning', html);

        var stepLabel = STEP_LABELS[CURRENT_STEP] || ('Step ' + CURRENT_STEP);
        window.showErrorToast(heading + ' Please review and resubmit "' + stepLabel + '".');
    }
    // Exposed so turbo-app-create.js (a separate script, own scope) can surface non-fatal ELAP
    // field-rejection errors and generic failures from the new immediate per-product AJAX calls,
    // the same way this file already does for the whole-step save.
    window.showAlert = showAlert;
    window.showElapErrors = showElapErrors;
    // Exposed so turbo-app-create.js can escape ELAP-sourced strings (EMV reader brand/model,
    // source keys) before building <option> HTML — same sharing pattern as showAlert above.
    // Reviewer-flagged: populateEmvReaderCascade() in that file was concatenating this class of
    // data unescaped while every sibling populateStandalone*() function already escaped it.
    window.escapeHtml = escapeHtml;

    // ── Fetch ELAP master data and populate a select
    function loadSelect(selectEl, type, extraParams, emptyLabel, opts) {
        var $sel = $(selectEl);
        if (!$sel.length) return;
        $sel.prop('disabled', true).html('<option value="">Loading…</option>');
        var params = $.extend({ type: type }, extraParams || {});
        return $.ajax({
            url: MASTER_URL,
            method: 'GET',
            data: params,
            dataType: 'json',
            headers: { 'Accept': 'application/json', 'X-Requested-With': 'XMLHttpRequest' },
            success: function (res) {
                $sel.empty().append('<option value="">' + (emptyLabel || '— Select —') + '</option>');
                if (res.success && res.data && Array.isArray(res.data)) {
                    $.each(res.data, function (i, item) {
                        var val  = item.code || item.value || item.id || item.key || '';
                        var text = item.description || item.name || item.label || val;
                        if (opts && opts.codePrefix && val) { text = val + ' | ' + text; }
                        $sel.append('<option value="' + escapeHtml(String(val)) + '">' + escapeHtml(String(text)) + '</option>');
                    });
                }
            },
            error: function () {
                $sel.html('<option value="">Failed to load — please refresh</option>');
            },
            complete: function () {
                $sel.prop('disabled', false);
                if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change'); }
                // This field's master data is now in its final state (loaded or "Failed to
                // load"). Fired unconditionally so any listener waiting on real options to exist
                // for this specific field — e.g. turbo-app-address-autofill.js retrying a
                // ZIP-implied country selection that raced ahead of this async load, since this
                // same function synchronously blanks the select to "Loading…" the instant the
                // step opens, long before a user could type a ZIP — stops waiting either way
                // instead of hanging forever on a failed request.
                $sel.trigger('masterdata:loaded');
            }
        });
    }

    // ── Populate a select element from an items array; preserves current value
    function populateSelect(el, items, emptyLabel) {
        var $sel = $(el);
        if (!$sel.length) return;
        var currentVal = $sel.val();
        $sel.empty().append('<option value="">' + (emptyLabel || '— Select —') + '</option>');
        $.each(items, function (i, item) {
            var val  = item.code || item.value || item.id || '';
            var text = item.description || item.name || val;
            $sel.append('<option value="' + escapeHtml(String(val)) + '">' + escapeHtml(String(text)) + '</option>');
        });
        if (currentVal) { $sel.val(currentVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // ── Standalone equipment catalog cascade (Step 4, "Add Standalone" modal) ───────────────
    // ELAP's real catalog (product/standalone/equipment/list) is a Brand→Model→{Source,Industry}
    // →{BillTo,Application} tree, not the flat masterRecord/brand|model|application lists used
    // elsewhere. Fetched once per step-4 load and cached here; turbo-app-create.js (a separate
    // script/scope) drives the cascade UI via the window.* functions exported below, the same
    // sharing pattern already used for window.showAlert/window.showElapErrors.
    var _standaloneEquipment = [];

    function loadStandaloneEquipmentList() {
        var params = { type: 'product/standalone/equipment/list' };
        if (ASSOC_ID) { params.association = ASSOC_ID; }
        return $.ajax({
            url: MASTER_URL,
            method: 'GET',
            data: params,
            dataType: 'json',
            headers: { 'Accept': 'application/json', 'X-Requested-With': 'XMLHttpRequest' },
            success: function (res) {
                _standaloneEquipment = (res.success && Array.isArray(res.data)) ? res.data : [];
                populateStandaloneBrands();
            },
            error: function () {
                _standaloneEquipment = [];
            }
        });
    }

    // A catalog row is only usable if it has a real (non-empty, non-array) industryApplication
    // AND sourceBillTo map, AND at least one key in each maps to a non-empty array — "stub" rows
    // (e.g. a bare "Vx520") return industryApplication: [] and have no valid combo; a row whose
    // only key(s) map to [] (e.g. {"RETL": []}) would pass a shallower "has a key" check but still
    // dead-end at Application/BillTo, so each map needs at least one non-empty array too.
    function isUsableStandaloneEntry(entry) {
        var ia = entry && entry.industryApplication;
        var sb = entry && entry.sourceBillTo;
        var iaOk = !!ia && !Array.isArray(ia) && Object.keys(ia).some(function (k) { return Array.isArray(ia[k]) && ia[k].length > 0; });
        var sbOk = !!sb && !Array.isArray(sb) && Object.keys(sb).some(function (k) { return Array.isArray(sb[k]) && sb[k].length > 0; });
        return iaOk && sbOk;
    }

    function populateStandaloneBrands() {
        var $sel = $('#sa_brand');
        if (!$sel.length) return;
        var currentVal = $sel.val();
        var brands = [];
        _standaloneEquipment.forEach(function (e) {
            if (e && e.brand && brands.indexOf(e.brand) === -1) { brands.push(e.brand); }
        });
        brands.sort();
        $sel.empty().append('<option value="">— Select Brand —</option>');
        brands.forEach(function (b) {
            $sel.append('<option value="' + escapeHtml(b) + '">' + escapeHtml(b) + '</option>');
        });
        if (currentVal) { $sel.val(currentVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateStandaloneModels(brand, preserveVal) {
        var $sel = $('#sa_model');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">' + (brand ? '— Select Model —' : '— Select Brand first —') + '</option>');
        _standaloneEquipment
            .filter(function (e) { return e && e.brand === brand && isUsableStandaloneEntry(e); })
            .forEach(function (e) {
                $sel.append('<option value="' + escapeHtml(e.model) + '">' + escapeHtml(e.model) + '</option>');
            });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function getStandaloneEntry(brand, model) {
        return _standaloneEquipment.find(function (e) { return e && e.brand === brand && e.model === model; }) || null;
    }

    // Friendly labels for known ELAP source/bill-to codes — the value sent is always the raw
    // code, never the label (labels are display-only, not confirmed ELAP terminology beyond
    // PN = "Purchase New" and MER/AGT/N-A which were live-confirmed).
    var STANDALONE_SOURCE_LABELS  = { PN: 'Purchase New', PO: 'Partner Owned', MO: 'Merchant Owned', EE: 'Existing Equipment', PRF: 'Prior Fulfillment', 'N/A': 'N/A' };
    var STANDALONE_BILLTO_LABELS  = { MER: 'Merchant', AGT: 'Agent', 'N/A': 'N/A' };
    var STANDALONE_INDUSTRY_LABELS = { RETL: 'Retail', REST: 'Restaurant', MOPO: 'Mail/Phone Order', CASH: 'Cash Advance', ECOM: 'E-Commerce' };

    function populateStandaloneSources(entry, preserveVal) {
        var $sel = $('#sa_pos_source');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">' + (entry ? '— Select POS Source —' : '— Select Model first —') + '</option>');
        var keys = (entry && entry.sourceBillTo && !Array.isArray(entry.sourceBillTo)) ? Object.keys(entry.sourceBillTo) : [];
        keys.forEach(function (k) {
            $sel.append('<option value="' + escapeHtml(k) + '">' + escapeHtml(STANDALONE_SOURCE_LABELS[k] || k) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateStandaloneIndustries(entry, preserveVal) {
        var $sel = $('#sa_industry');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">' + (entry ? '— Select Industry —' : '— Select Model first —') + '</option>');
        var keys = (entry && entry.industryApplication && !Array.isArray(entry.industryApplication)) ? Object.keys(entry.industryApplication) : [];
        keys.forEach(function (k) {
            $sel.append('<option value="' + escapeHtml(k) + '">' + escapeHtml(STANDALONE_INDUSTRY_LABELS[k] || k) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateStandaloneBillTo(entry, source, preserveVal) {
        var $sel = $('#sa_bill_to');
        if (!$sel.length) return;
        var arr = (entry && source && entry.sourceBillTo && !Array.isArray(entry.sourceBillTo)) ? (entry.sourceBillTo[source] || []) : [];
        $sel.empty().append('<option value="">' + (arr.length ? '— Select —' : '— Select POS Source first —') + '</option>');
        arr.forEach(function (v) {
            $sel.append('<option value="' + escapeHtml(v) + '">' + escapeHtml(STANDALONE_BILLTO_LABELS[v] || v) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateStandaloneApplications(entry, industry, preserveVal) {
        var $sel = $('#sa_application');
        if (!$sel.length) return;
        var arr = (entry && industry && entry.industryApplication && !Array.isArray(entry.industryApplication)) ? (entry.industryApplication[industry] || []) : [];
        $sel.empty().append('<option value="">' + (arr.length ? '— Select Application —' : '— Select Industry first —') + '</option>');
        arr.forEach(function (v) {
            $sel.append('<option value="' + escapeHtml(v) + '">' + escapeHtml(v) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // Connection-method label→code map. "WiFi"→"F" was already confirmed by a live 201 response.
    // Live cert test (2026-07-10) additionally confirmed "Ethernet"→"Q": ELAP's own
    // "ConnectionMethod must match an accepted value: [F, Q]" error for a combo whose live
    // catalog offers exactly ["WiFi","Ethernet"] pins Q to Ethernet by elimination, then a direct
    // create with "Q" succeeded — note "Q" is NOT the guessable letter ("I") a developer would
    // pick, so this codebase's mnemonic-letter guesses for the remaining three cannot be trusted
    // either. Dial/Broadband/Wireless remain UNCONFIRMED GUESSES — no combo returning those labels
    // has been observed live to test against. Do NOT treat them as fact; if ELAP rejects one,
    // do NOT fall back to sending the raw label — that was also live-tested this session and
    // confirmed to fail ("connectionMethod value is invalid") for every label other than "WiFi".
    var CONNECTION_METHOD_CODES = {
        'WiFi': 'F',
        'Ethernet': 'Q',
        'Dial': 'D',       // unconfirmed guess
        'Broadband': 'B',  // unconfirmed guess
        'Wireless': 'W'    // unconfirmed guess
    };
    // Integrated/Genius equipment's Connection Method used to share CONNECTION_METHOD_CODES
    // above, but the "Ethernet"→"Q" fix was only confirmed against a STANDALONE product-type
    // catalog combo — there's no evidence ConnectionMethod is the same enum for
    // INTEGRATED/GENIUS_COUNTERTOP product types, and this section (unlike Standalone) shows a
    // full static list with no live per-combo filtering to even narrow that down. Kept as its own
    // copy, still at the OLD unconfirmed "I" guess, so the Standalone-specific fix above cannot
    // silently change Integrated/Genius behavior it was never tested against.
    var EQUIP_CONNECTION_METHOD_CODES = {
        'WiFi': 'F',
        'Ethernet': 'I',   // unconfirmed guess
        'Dial': 'D',       // unconfirmed guess
        'Broadband': 'B',  // unconfirmed guess
        'Wireless': 'W'    // unconfirmed guess
    };
    // Confirmed via a live ELAP validation error listing [A, M] as the full accepted enum.
    var BATCH_CLOSE_METHOD_CODES = { AUTO: 'A', MANUAL: 'M' };

    function populateStandaloneConnectionMethods(labels, preserveVal) {
        var $sel = $('#sa_connection_method');
        if (!$sel.length) return;
        labels = labels || [];
        $sel.empty().append('<option value="">' + (labels.length ? '— Select —' : '— Select equipment first —') + '</option>');
        labels.forEach(function (label) {
            var code = CONNECTION_METHOD_CODES[label];
            // No confirmed code for this label — send the label itself rather than guess wrong.
            var val = (code !== undefined) ? code : label;
            $sel.append('<option value="' + escapeHtml(val) + '">' + escapeHtml(label) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateStandaloneBatchCloseMethods(labels, preserveVal) {
        var $sel = $('#sa_batch_close_method');
        if (!$sel.length) return;
        labels = labels || [];
        $sel.empty().append('<option value="">' + (labels.length ? '— Select —' : '— Select equipment first —') + '</option>');
        labels.forEach(function (label) {
            var code = BATCH_CLOSE_METHOD_CODES[label] || label;
            $sel.append('<option value="' + escapeHtml(code) + '">' + escapeHtml(label) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // Per-combo lookup — validates/enriches the exact Industry+Brand+Application+Source+Model
    // selection. Only call once all five are non-empty (see maybeLoadStandaloneCombo() in
    // turbo-app-create.js, which debounces this).
    function loadStandaloneComboDetails(params, callback) {
        if (!params || !params.industry || !params.brand || !params.application || !params.source || !params.model) {
            return;
        }
        var query = $.extend({ type: 'product/standalone/equipment' }, params);
        if (ASSOC_ID) { query.association = ASSOC_ID; }
        $.ajax({
            url: MASTER_URL,
            method: 'GET',
            data: query,
            dataType: 'json',
            headers: { 'Accept': 'application/json', 'X-Requested-With': 'XMLHttpRequest' },
            success: function (res) {
                if (callback) { callback((res.success && res.data) ? res.data : {}); }
            },
            error: function () {
                if (callback) { callback(null); }
            }
        });
    }

    // Exported for turbo-app-create.js (separate script/scope) to drive the Standalone cascade —
    // same sharing direction as window.showAlert/window.showElapErrors above.
    window.getStandaloneEquipmentCatalog     = function () { return _standaloneEquipment; };
    window.getStandaloneEntry                = getStandaloneEntry;
    window.populateStandaloneModels           = populateStandaloneModels;
    window.populateStandaloneSources          = populateStandaloneSources;
    window.populateStandaloneIndustries       = populateStandaloneIndustries;
    window.populateStandaloneBillTo           = populateStandaloneBillTo;
    window.populateStandaloneApplications     = populateStandaloneApplications;
    window.populateStandaloneConnectionMethods = populateStandaloneConnectionMethods;
    window.populateStandaloneBatchCloseMethods = populateStandaloneBatchCloseMethods;
    window.loadStandaloneComboDetails          = loadStandaloneComboDetails;

    // ── Integrated/Genius equipment catalog cascade (Step 4, "Add Integrated"/"Add Genius"
    // modals' Equipment section) ────────────────────────────────────────────────────────────
    // ELAP's real product/integrated/equipment/list/productId/{id} catalog (confirmed live to
    // also serve GENIUS_COUNTERTOP packages via this SAME endpoint — a live test against
    // productId 576 returned real "Genius Countertop" equipment) is a Brand→Model→
    // {Industry: [Application,...]} tree, structurally identical to Standalone's
    // product/standalone/equipment/list catalog above MINUS a sourceBillTo map — reuses that
    // same cascade shape/logic (isUsableStandaloneEntry's industryApplication check, generalized
    // below) rather than re-deriving it from scratch. Unlike Standalone (whole catalog fetched
    // once per step-4 load), this catalog is scoped to whichever top-level Integrated
    // product/Genius package the user picked, so it's fetched on demand per productId and cached
    // here — a user flipping back to a previously-selected product/package doesn't re-fetch.
    var _equipCatalogCache = {};

    // Same usability rule as isUsableStandaloneEntry() above, minus the sourceBillTo half (this
    // catalog has none) — a "stub" row with an empty/missing industryApplication map has no
    // valid Industry/Application combo and would dead-end the cascade.
    function isUsableEquipEntry(entry) {
        var ia = entry && entry.industryApplication;
        return !!ia && !Array.isArray(ia) && Object.keys(ia).some(function (k) { return Array.isArray(ia[k]) && ia[k].length > 0; });
    }

    function populateEquipBrands(prefix, list) {
        var $sel = $('#' + prefix + '_brand');
        if (!$sel.length) return;
        var currentVal = $sel.val();
        var brands = [];
        (list || []).forEach(function (e) { if (e && e.brand && brands.indexOf(e.brand) === -1) { brands.push(e.brand); } });
        brands.sort();
        $sel.prop('disabled', false).empty().append('<option value="">— Select Brand —</option>');
        brands.forEach(function (b) { $sel.append('<option value="' + escapeHtml(b) + '">' + escapeHtml(b) + '</option>'); });
        if (currentVal) { $sel.val(currentVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // Fetches (or serves from cache) the equipment catalog for a given top-level productId,
    // populates the Brand select, then fires `callback` — used by both the live change-cascade
    // (turbo-app-create.js) and edit-mode prefill (which needs to know when brands are ready
    // before restoring the saved Model/Industry/Application).
    function loadEquipmentCatalog(prefix, productId, callback) {
        if (!productId) {
            clearEquipCascade(prefix);
            if (callback) callback();
            return;
        }
        if (_equipCatalogCache[productId]) {
            populateEquipBrands(prefix, _equipCatalogCache[productId]);
            if (callback) callback();
            return;
        }
        var $brand = $('#' + prefix + '_brand');
        $brand.prop('disabled', true).html('<option value="">Loading…</option>');
        var params = { type: 'product/integrated/equipment/list', productId: productId };
        if (ASSOC_ID) { params.association = ASSOC_ID; }
        $.ajax({
            url: MASTER_URL,
            method: 'GET',
            data: params,
            dataType: 'json',
            headers: { 'Accept': 'application/json', 'X-Requested-With': 'XMLHttpRequest' },
            success: function (res) {
                _equipCatalogCache[productId] = (res.success && Array.isArray(res.data)) ? res.data : [];
                populateEquipBrands(prefix, _equipCatalogCache[productId]);
            },
            error: function () {
                _equipCatalogCache[productId] = [];
                populateEquipBrands(prefix, []);
            },
            complete: function () {
                if (callback) callback();
            }
        });
    }

    function populateEquipModels(prefix, productId, brand, preserveVal) {
        var $sel = $('#' + prefix + '_model');
        if (!$sel.length) return;
        var list = _equipCatalogCache[productId] || [];
        $sel.empty().append('<option value="">' + (brand ? '— Select Model —' : '— Select Brand first —') + '</option>');
        list.filter(function (e) { return e && e.brand === brand && isUsableEquipEntry(e); })
            .forEach(function (e) { $sel.append('<option value="' + escapeHtml(e.model) + '">' + escapeHtml(e.model) + '</option>'); });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function getEquipEntry(productId, brand, model) {
        var list = _equipCatalogCache[productId] || [];
        return list.find(function (e) { return e && e.brand === brand && e.model === model; }) || null;
    }

    function populateEquipIndustries(prefix, entry, preserveVal) {
        var $sel = $('#' + prefix + '_industry');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">' + (entry ? '— Select Industry —' : '— Select Model first —') + '</option>');
        var keys = (entry && entry.industryApplication && !Array.isArray(entry.industryApplication)) ? Object.keys(entry.industryApplication) : [];
        keys.forEach(function (k) { $sel.append('<option value="' + escapeHtml(k) + '">' + escapeHtml(STANDALONE_INDUSTRY_LABELS[k] || k) + '</option>'); });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function populateEquipApplications(prefix, entry, industry, preserveVal) {
        var $sel = $('#' + prefix + '_application');
        if (!$sel.length) return;
        var arr = (entry && industry && entry.industryApplication && !Array.isArray(entry.industryApplication)) ? (entry.industryApplication[industry] || []) : [];
        $sel.empty().append('<option value="">' + (arr.length ? '— Select Application —' : '— Select Industry first —') + '</option>');
        arr.forEach(function (v) { $sel.append('<option value="' + escapeHtml(v) + '">' + escapeHtml(v) + '</option>'); });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    function clearEquipCascade(prefix) {
        [['_brand', '— Select Product first —'], ['_model', '— Select Brand first —'],
         ['_industry', '— Select Model first —'], ['_application', '— Select Industry first —']].forEach(function (pair) {
            var $sel = $('#' + prefix + pair[0]);
            if (!$sel.length) return;
            $sel.prop('disabled', false).empty().append('<option value="">' + pair[1] + '</option>');
            if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
        });
    }

    // Source/Bill To are shared ELAP concepts, not derived from this equipment catalog (it has
    // no sourceBillTo map) — plain selects reusing the SAME real codes/labels Standalone's own
    // Source/Bill To already use (STANDALONE_SOURCE_LABELS/STANDALONE_BILLTO_LABELS, defined
    // above), per the "don't re-invent a parallel option list for a shared concept" rule.
    function populateEquipSourceAndBillTo(prefix, preserveSource, preserveBillTo) {
        var $source = $('#' + prefix + '_source');
        if ($source.length) {
            $source.empty().append('<option value="">— Select —</option>');
            Object.keys(STANDALONE_SOURCE_LABELS).forEach(function (k) {
                $source.append('<option value="' + escapeHtml(k) + '">' + escapeHtml(STANDALONE_SOURCE_LABELS[k]) + '</option>');
            });
            if (preserveSource) { $source.val(preserveSource); }
            if ($source.hasClass('select2-hidden-accessible')) { $source.trigger('change.select2'); }
        }
        var $billTo = $('#' + prefix + '_bill_to');
        if ($billTo.length) {
            $billTo.empty().append('<option value="">— Select —</option>');
            Object.keys(STANDALONE_BILLTO_LABELS).forEach(function (k) {
                $billTo.append('<option value="' + escapeHtml(k) + '">' + escapeHtml(STANDALONE_BILLTO_LABELS[k]) + '</option>');
            });
            if (preserveBillTo) { $billTo.val(preserveBillTo); }
            if ($billTo.hasClass('select2-hidden-accessible')) { $billTo.trigger('change.select2'); }
        }
    }

    // Connection Method — uses its own EQUIP_CONNECTION_METHOD_CODES copy (see definition above),
    // deliberately NOT the Standalone-confirmed CONNECTION_METHOD_CODES map — that fix was only
    // verified for a STANDALONE catalog combo, not INTEGRATED/GENIUS_COUNTERTOP.
    function populateEquipConnectionMethods(prefix, preserveVal) {
        var $sel = $('#' + prefix + '_connection_method');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">— Select —</option>');
        Object.keys(EQUIP_CONNECTION_METHOD_CODES).forEach(function (label) {
            $sel.append('<option value="' + escapeHtml(EQUIP_CONNECTION_METHOD_CODES[label]) + '">' + escapeHtml(label) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // Batch Close Method reuses the same confirmed [A, M] enum already used for Standalone
    // (BATCH_CLOSE_METHOD_CODES, defined above).
    function populateEquipBatchCloseMethods(prefix, preserveVal) {
        var $sel = $('#' + prefix + '_batch_close_method');
        if (!$sel.length) return;
        $sel.empty().append('<option value="">— Select —</option>');
        Object.keys(BATCH_CLOSE_METHOD_CODES).forEach(function (label) {
            $sel.append('<option value="' + escapeHtml(BATCH_CLOSE_METHOD_CODES[label]) + '">' + escapeHtml(label) + '</option>');
        });
        if (preserveVal) { $sel.val(preserveVal); }
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // Exported for turbo-app-create.js to drive the Integrated/Genius Equipment cascade — same
    // sharing direction/pattern as the Standalone exports above.
    window.loadEquipmentCatalog        = loadEquipmentCatalog;
    window.populateEquipModels         = populateEquipModels;
    window.getEquipEntry               = getEquipEntry;
    window.populateEquipIndustries     = populateEquipIndustries;
    window.populateEquipApplications   = populateEquipApplications;
    window.clearEquipCascade           = clearEquipCascade;
    window.populateEquipSourceAndBillTo = populateEquipSourceAndBillTo;
    window.populateEquipConnectionMethods = populateEquipConnectionMethods;
    window.populateEquipBatchCloseMethods = populateEquipBatchCloseMethods;

    // ── Load contact types from ELAP once, cache in ELAP_CONTACT_TYPES; call callback when ready
    function loadContactTypes(callback) {
        if (ELAP_CONTACT_TYPES.length) { if (callback) callback(); return; }
        $.get(MASTER_URL, { type: 'contactType' }, function (res) {
            if (res.success && res.data) {
                var items = Array.isArray(res.data) ? res.data : (res.data.data || res.data.records || []);
                ELAP_CONTACT_TYPES = items;
            }
            if (!ELAP_CONTACT_TYPES.length) {
                ELAP_CONTACT_TYPES = [
                    {code:'MR',description:'Mr.'},{code:'MRS',description:'Mrs.'},
                    {code:'MS',description:'Ms.'},{code:'DR',description:'Dr.'},
                    {code:'PROF',description:'Prof.'},{code:'REV',description:'Rev.'}
                ];
            }
            if (callback) callback();
        }).fail(function () {
            ELAP_CONTACT_TYPES = [
                {code:'MR',description:'Mr.'},{code:'MRS',description:'Mrs.'},
                {code:'MS',description:'Ms.'},{code:'DR',description:'Dr.'},
                {code:'PROF',description:'Prof.'},{code:'REV',description:'Rev.'}
            ];
            if (callback) callback();
        });
    }

    // ── Populate an owner Title <select> from the real ELAP contact-title codes
    // (ELAP_CONTACT_TYPES — e.g. CEO/OWN/D), loading them first if not cached yet.
    // This is the ONE shared implementation — do not copy-paste this logic again.
    // (A now-removed #s3_contact_title_template held unrelated honorifics —
    // Mr./Mrs./Ms./Dr./Prof./Rev. — and was mistakenly used here before this fix;
    // it had zero other callers so it was deleted rather than left dead.)
    function populateOwnerTitleSelect($sel, callback) {
        if (ELAP_CONTACT_TYPES.length) {
            populateSelect($sel, ELAP_CONTACT_TYPES, '— Select Title —');
            if (callback) callback();
        } else {
            loadContactTypes(function () {
                populateSelect($sel, ELAP_CONTACT_TYPES, '— Select Title —');
                if (callback) callback();
            });
        }
    }

    // ── Load ELAP master data per step
    // Step mapping: 1=Config, 2=Business, 3=Owners, 4=Products, 5=FeeSchedule, 6=Docs
    function loadMasterDataForStep(step) {
        var promises = [];
        if (step === 1) {
            promises.push(loadSelect('#s1_lead_source', 'leadSource', {}, '— Select Lead Source —'));
            promises.push(loadSelect('#s1_association', 'association', {}, '— Select Association —', { codePrefix: true }));
            // Edit mode: association already saved → pre-load sales rep with all 3 params
            if (ASSOC_ID) {
                var savedLeadSource = (STEP_DATA && STEP_DATA[1]) ? (STEP_DATA[1].elap_lead_source || '') : '';
                promises.push(loadSelect('#s1_sales_rep', 'salesRep', {
                    partner:     $('#s1_partner').val(),
                    leadSource:  savedLeadSource,
                    association: ASSOC_ID
                }, '— Select Sales Rep —', { codePrefix: true }));
            }
        }
        if (step === 2) {
            promises.push(loadSelect('#s2_ownership_type', 'ownershipType', {}, '— Select Ownership Type —'));
            promises.push(loadSelect('#s2_business_type', 'businessType', {}, '— Select Business Type —'));
            promises.push(loadSelect('#s2_sic_code', 'sicCode', {}, '— Select SIC/MCC Code —'));
            // Load country for all address sections (state is populated locally, see
            // populateStateSelect() above)
            $('.addr-country').each(function () { promises.push(loadSelect(this, 'country', {}, '— Select Country —')); });
            $('.addr-state').each(function ()   { populateStateSelect($(this)); });
            populateStateSelect($('#s2_patriot_state'));
            // Contact title — fetch from ELAP, cache for reuse in owner rows
            loadContactTypes(function () {
                populateSelect('#s2_dba_contact_title', ELAP_CONTACT_TYPES, '— Select Title —');
                $('#addr_legal .contact-title, #addr_mailing .contact-title, #addr_chargeback .contact-title').each(function () {
                    populateSelect(this, ELAP_CONTACT_TYPES, '— Select Title —');
                });
            });
        }
        if (step === 3) {
            // Load contact types for all existing owner rows
            if (ELAP_CONTACT_TYPES.length) {
                $('.ow-title').each(function () { populateSelect(this, ELAP_CONTACT_TYPES, '— Select Title —'); });
            } else {
                loadContactTypes(function () {
                    $('.ow-title').each(function () { populateSelect(this, ELAP_CONTACT_TYPES, '— Select Title —'); });
                });
            }
            // Load country for existing owner rows (state is populated locally, see
            // populateStateSelect() above)
            $('.ow-country').each(function () { promises.push(loadSelect(this, 'country', {}, '— Select Country —')); });
            $('.ow-state').each(function ()   { populateStateSelect($(this)); });
        }
        if (step === 4) {
            promises.push(loadSelect('#int_product', 'product/integrated', ASSOC_ID ? { association: ASSOC_ID } : {}, '— Select Product —'));
            promises.push(loadSelect('#wp_integration_product', 'product/integrated', ASSOC_ID ? { association: ASSOC_ID } : {}, '— Select Product —'));
            promises.push(loadSelect('#gen_package', 'product/integrated', ASSOC_ID ? { association: ASSOC_ID } : {}, '— Select Package —'));
            if (PARTNER_ID) {
                promises.push(loadSelect('#gen_brand',       'masterRecord/brand',       { partner: PARTNER_ID }, '— Select Brand —'));
                promises.push(loadSelect('#gen_model',       'masterRecord/model',       { partner: PARTNER_ID }, '— Select Model —'));
                promises.push(loadSelect('#gen_application', 'masterRecord/application', { partner: PARTNER_ID }, '— Select Application —'));
            }
            // Standalone's Brand/Model/Industry/Application/Source/Bill To are a real ELAP
            // catalog cascade, not flat masterRecord lists — fetch the full catalog once here
            // and cache it; turbo-app-create.js builds the cascade from the cached array (see
            // loadStandaloneEquipmentList() below and the window.* exports after it).
            promises.push(loadStandaloneEquipmentList());
            // Integrated/Genius Equipment section's Source/Bill To/Connection Method/Batch Close
            // Method are static option sets (unlike Brand/Model/Industry/Application, which
            // depend on the selected product/package and are fetched on demand by
            // loadEquipmentCatalog() — see the #int_product/#gen_package change handlers in
            // turbo-app-create.js) — populated once here, no AJAX involved.
            ['int_equip', 'gen_equip'].forEach(function (prefix) {
                populateEquipSourceAndBillTo(prefix);
                populateEquipConnectionMethods(prefix);
                populateEquipBatchCloseMethods(prefix);
            });
        }
        if (step === 5) {
            promises.push(loadFeeProcessingDetail());
        }
        return promises;
    }

    // ── Fee Schedule: load the full processingType -> pricingPlans -> options tree once,
    // cache it, then populate the Processing Type select. Pricing Plan / Options are
    // populated on-demand from the cached tree as the user picks each level (see the
    // change handlers below) — real ELAP-assigned numeric ids, not a hardcoded map.
    function loadFeeProcessingDetail() {
        var $sel = $('#s5_processing_type');
        if (!$sel.length) return;
        $sel.prop('disabled', true).html('<option value="">Loading…</option>');
        var params = { type: 'feeSchedule/feeProcessingDetail' };
        if (ASSOC_ID) { params.association = ASSOC_ID; }
        return $.ajax({
            url: MASTER_URL,
            method: 'GET',
            data: params,
            dataType: 'json',
            headers: { 'Accept': 'application/json', 'X-Requested-With': 'XMLHttpRequest' },
            success: function (res) {
                _feeProcessingDetail = (res.success && Array.isArray(res.data)) ? res.data : [];
                $sel.empty().append('<option value="">— Select Processing Type —</option>');
                _feeProcessingDetail.forEach(function (pt) {
                    $sel.append('<option value="' + escapeHtml(String(pt.processingType)) + '">' + escapeHtml(String(pt.processingType)) + '</option>');
                });
            },
            error: function () {
                $sel.html('<option value="">Failed to load — please refresh</option>');
            },
            complete: function () {
                $sel.prop('disabled', false);
                if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change'); }
            }
        });
    }

    // ── Populate #s5_pricing_plan from the cached tree for a given processingType.
    function populateFeePricingPlans(processingType) {
        var $sel = $('#s5_pricing_plan');
        if (!$sel.length) return;
        var entry = _feeProcessingDetail.find(function (pt) { return String(pt.processingType) === String(processingType); });
        var plans = entry ? (entry.pricingPlans || []) : [];
        $sel.empty().append('<option value="">— Select Pricing Plan —</option>');
        plans.forEach(function (p) {
            $sel.append('<option value="' + escapeHtml(String(p.pricingPlanId)) + '">' + escapeHtml(String(p.description)) + '</option>');
        });
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // ── Populate #s5_plan_options from the cached tree for a given processingType + pricingPlanId.
    function populateFeePlanOptions(processingType, pricingPlanId) {
        var $sel = $('#s5_plan_options');
        if (!$sel.length) return;
        var entry = _feeProcessingDetail.find(function (pt) { return String(pt.processingType) === String(processingType); });
        var plan  = entry ? (entry.pricingPlans || []).find(function (p) { return String(p.pricingPlanId) === String(pricingPlanId); }) : null;
        var opts  = plan ? (plan.options || []) : [];
        $sel.empty().append('<option value="">— Select Option —</option>');
        opts.forEach(function (o) {
            $sel.append('<option value="' + escapeHtml(String(o.optionId)) + '">' + escapeHtml(String(o.description)) + '</option>');
        });
        if ($sel.hasClass('select2-hidden-accessible')) { $sel.trigger('change.select2'); }
    }

    // ── Association change → reload Sales Rep
    $(document).on('change', '#s1_association', function () {
        ASSOC_ID = $(this).val();
        if (ASSOC_ID) {
            loadSelect('#s1_sales_rep', 'salesRep', {
                partner:     $('#s1_partner').val(),
                leadSource:  $('#s1_lead_source').val(),
                association: ASSOC_ID
            }, '— Select Sales Rep —', { codePrefix: true });
        } else {
            $('#s1_sales_rep').html('<option value="">— Select Association first —</option>');
        }
    });

    // ── Lead source change → reload Sales Rep (if association already chosen)
    $(document).on('change', '#s1_lead_source', function () {
        if (ASSOC_ID) {
            loadSelect('#s1_sales_rep', 'salesRep', {
                partner:     $('#s1_partner').val(),
                leadSource:  $(this).val(),
                association: ASSOC_ID
            }, '— Select Sales Rep —', { codePrefix: true });
        }
    });

    // ── Merchant App Type change → show/hide Additional Location message
    $(document).on('change', '#s1_merch_app_type', function () {
        $('#s1_addl_location_msg').toggleClass('d-none', $(this).val() !== 'Additional Location');
    });

    // ── Integrated product / Genius package → Equipment catalog cascade (Step 4) ────────────
    // Re-fetches the equipment catalog (Brand→Model→Industry→Application) whenever the modal's
    // already-selected top-level Integrated product/Genius package changes — same trigger
    // pattern Standalone uses for its own combo lookups. Downstream Model/Industry/Application
    // (and the equipment-attach payload's `product`/`package` id) all key off this value, so
    // they're reset here too — same reasoning as Standalone's own Brand-change handler above.
    $(document).on('change', '#int_product', function () {
        clearEquipCascade('int_equip');
        loadEquipmentCatalog('int_equip', $(this).val());
    });
    $(document).on('change', '#gen_package', function () {
        clearEquipCascade('gen_equip');
        loadEquipmentCatalog('gen_equip', $(this).val());
    });

    // ── Processing type → pricing plan cascade (Step 5) — real ELAP ids from the cached
    // feeSchedule/feeProcessingDetail tree loaded in loadFeeProcessingDetail() above.
    $(document).on('change', '#s5_processing_type', function () {
        populateFeePricingPlans($(this).val());
        $('#s5_plan_options').empty().append('<option value="">— Select Pricing Plan first —</option>');
    });

    // ── ZIP auto-fill (business addresses + Step 3 owner rows) and State → Country auto-select
    // now live in the shared public/assets/js/turbo-app-address-autofill.js (loaded at the
    // bottom of this page) — the same file is also loaded by the legacy create form
    // (form.blade.php) so both forms share one implementation instead of duplicating it.

    // ── Tax ID type toggle (password for SSN) + eye button visibility
    $(document).on('change', '#s2_tax_id_type', function () {
        var isSsn = $(this).val() === 'SSN';
        var $eye  = $('#s2_tax_id_eye');
        if (isSsn) {
            $('#s2_tax_id').attr('type', 'password');
            $eye.removeClass('d-none');
        } else {
            $('#s2_tax_id').attr('type', 'text');
            $eye.addClass('d-none').find('i').removeClass('bx-show').addClass('bx-hide');
        }
    });

    // ── EBT service / FNS number show/hide
    $(document).on('change', '#ct_ebt', function () {
        $('#ebtOptions').toggleClass('d-none', !$(this).is(':checked'));
    });

    // ── Amex volume limit show/hide
    $(document).on('change', '#ct_amex', function () {
        $('#amexOptions').toggleClass('d-none', !$(this).is(':checked'));
    });

    // ── Processing % live total (step 2)
    $(document).on('input', '#s2_card_present, #s2_ecommerce, #s2_moto, #s2_b2b_pct', function () {
        var total = (parseFloat($('#s2_card_present').val()) || 0)
                  + (parseFloat($('#s2_ecommerce').val()) || 0)
                  + (parseFloat($('#s2_moto').val()) || 0)
                  + (parseFloat($('#s2_b2b_pct').val()) || 0);
        var $lbl = $('#processingPctTotal');
        $lbl.text('TOTAL: ' + total.toFixed(0) + '%');
        $lbl.toggleClass('text-danger fw-bold', total !== 100);
    });

    // ── Prev button
    $(document).on('click', '.btn-prev', function () {
        goToStep(parseInt($(this).data('prev')));
    });

    // ── Sidebar step navigation — only completed steps are clickable
    $(document).on('click', '.sidebar-step', function () {
        var step = parseInt($(this).data('step'));
        if (COMPLETED.indexOf(step) >= 0) {
            goToStep(step);
        }
    });

    // ── Save step button
    $(document).on('click', '.btn-save-step', function () {
        var step  = parseInt($(this).data('step'));
        var $btn  = $(this);

        // Belt-and-suspenders: the button is already disabled/relabeled while this step's
        // master data is loading (see setSaveButtonLoading()), which is what normally prevents
        // this click handler from firing at all — this re-check guards against submitting
        // selects that still hold their "Loading…" placeholder value in case of a race.
        if (isStepMasterDataLoading(step)) {
            showAlert('warning', 'Please wait for the page to finish loading before saving.');
            return;
        }

        // Step 2 custom validations
        if (step === 2) {
            if ($('#bankAccountsContainer .bank-account-row').length === 0) {
                showRequiredTooltip($('#btnAddBankAccount'), 'At least one bank account is required');
                return;
            }
            var txTotal = (parseInt($('#s2_card_present').val()) || 0)
                        + (parseInt($('#s2_ecommerce').val()) || 0)
                        + (parseInt($('#s2_moto').val()) || 0);
            if (txTotal !== 100) {
                showRequiredTooltip($('#s2_card_present'), 'Transaction mix must total 100% (currently ' + txTotal + '%)');
                return;
            }
            var acctMismatch = false;
            $('.bank-account-row').each(function () {
                if ($(this).find('.ba-account').val() !== $(this).find('.ba-confirm-account').val()) {
                    showRequiredTooltip($(this).find('.ba-confirm-account'), 'Account numbers do not match');
                    acctMismatch = true;
                    return false;
                }
            });
            if (acctMismatch) return;
        }

        // Step 3 custom validation: Date of Birth, Country, Phone Number, and Email Address are
        // required for every owner; Social Security Number is required only for US-citizen
        // owners (foreign owners use Passport Number instead — see .ow-us-address/
        // .ow-foreign-address). Checked
        // here, before the AJAX call, so the user corrects it immediately instead of discovering
        // it via a 422 after a round-trip. Equivalent to the required rules in SaveStep3Request.
        if (step === 3) {
            var _ownerErr = null;
            $('#ownersContainer .owner-row').each(function () {
                var $row = $(this);
                var isUsOwner = $row.find('.ow-us-citizen').is(':checked');
                var _ownerChecks = [
                    { cond: isUsOwner, $el: $row.find('.ow-ssn'),     label: 'Social Security Number' },
                    { cond: true,      $el: $row.find('.ow-dob'),     label: 'Date of Birth' },
                    { cond: true,      $el: $row.find('.ow-country'), label: 'Country' },
                    { cond: true,      $el: $row.find('.ow-phone'),   label: 'Phone Number' },
                    { cond: true,      $el: $row.find('.ow-email'),   label: 'Email Address' },
                ];
                for (var _j = 0; _j < _ownerChecks.length; _j++) {
                    if (_ownerChecks[_j].cond && !_ownerChecks[_j].$el.val()) {
                        _ownerErr = { $el: _ownerChecks[_j].$el, label: _ownerChecks[_j].label };
                        return false;
                    }
                }
            });
            if (_ownerErr) {
                showRequiredTooltip(_ownerErr.$el, _ownerErr.label + ' is required');
                return;
            }
        }

        // Step 4 custom validation: Merchant Trained by / Welcome Kit Emailed to / Equipment
        // Shipped to are sent on every step-4 save via ElapApiService::sendTrainingActivation()
        // (unconditionally, once elap_application_id exists — see TurboAppApplicationService::
        // saveStep4Data()) and ELAP rejects the call outright with "is required" if any of the
        // three is blank. Checked here, before the AJAX call, so the user corrects it immediately
        // instead of discovering it via a "payment processor rejected some fields" banner after a
        // round-trip. Equivalent to the required rules added server-side in SaveStep4Request.
        if (step === 4) {
            var _trainingFields = [
                { sel: '#ta_merchant_trained_by',    label: 'Merchant Trained by' },
                { sel: '#ta_welcome_kit_emailed_to', label: 'Welcome Kit Emailed to' },
                { sel: '#ta_equipment_shipped_to',   label: 'Equipment Shipped to' },
            ];
            for (var _i = 0; _i < _trainingFields.length; _i++) {
                var $_f = $(_trainingFields[_i].sel);
                if (!$_f.val()) {
                    showRequiredTooltip($_f, _trainingFields[_i].label + ' is required');
                    return;
                }
            }

            // Data Protection Per Item Fee is shown with a required asterisk and a stated
            // $0.00000–$0.01000 range, but neither was ever actually enforced (no HTML
            // `required`, no JS check). Server-side stays `nullable` (see SaveStep4Request.php's
            // docblock) so this is checked here only, same non-blocking-server / guiding-client
            // pattern as the training fields above and Step 5's fee checks below.
            var $_dataProtectionFee = $('#ao_data_protection_per_item_fee');
            var _dataProtectionVal = $_dataProtectionFee.val();
            if (_dataProtectionVal === '' || _dataProtectionVal === null) {
                showRequiredTooltip($_dataProtectionFee, 'Data Protection Per Item Fee is required');
                return;
            }
            var _dataProtectionNum = parseFloat(_dataProtectionVal);
            if (isNaN(_dataProtectionNum) || _dataProtectionNum < 0 || _dataProtectionNum > 0.01) {
                showRequiredTooltip($_dataProtectionFee, 'Data Protection Per Item Fee must be between $0.00000 and $0.01000');
                return;
            }
        }

        // Step 5 custom validation: Processing Type / Pricing Plan / Options and every
        // Authorization Fee / PIN Debit Fee below are all sent unconditionally on every step-5
        // save via ElapApiService::sendFeeSchedule(), and ELAP rejects the call outright if
        // pricingPlan/processingType/optionId are blank or if any authorizationFees/pinDebitFee
        // value isn't genuinely greater than 0.00 (confirmed live — this is the exact error list
        // reported: "pricingPlan cannot be empty", "authorizationFees.allCardTypes should be
        // greater than 0.00", etc.). Checked here, before the AJAX call, so the user corrects it
        // immediately instead of discovering it field-by-field via a "payment processor rejected
        // some fields" banner after a round-trip.
        //
        // SaveStep5Request deliberately leaves these fields `nullable` server-side (see its own
        // docblock and SaveStep5NonBlockingTest) so a genuinely in-progress draft — e.g. a step-5
        // save the user makes before they've decided on pricing yet — is never blocked or rolled
        // back locally; ELAP's rejection is surfaced via `elap_errors` instead of a 422. This
        // client-side check does not change that: it only guides the normal "Save & Continue"
        // path where the user intends to complete the step, matching the same non-blocking
        // architecture already used for Step 4's equivalent required-icons fix.
        if (step === 5) {
            var _s5RequiredSelects = [
                { sel: '#s5_processing_type', label: 'Processing Type' },
                { sel: '#s5_pricing_plan',    label: 'Pricing Plan' },
                { sel: '#s5_plan_options',    label: 'Options' },
                // Confirmed live: ELAP unconditionally requires baseRates.actBaseRateOrVsMcBaseRate
                // ("Request expects the mandatory parameter") — a plain not-blank check, unlike the
                // Authorization/PIN Debit fees below, which ELAP additionally requires to be > 0.
                { sel: '#s5_all_card_rate',   label: 'All Card Types (%)' },
            ];
            for (var _si = 0; _si < _s5RequiredSelects.length; _si++) {
                var $_s = $(_s5RequiredSelects[_si].sel);
                if (!$_s.val()) {
                    showRequiredTooltip($_s, _s5RequiredSelects[_si].label + ' is required');
                    return;
                }
            }

            var _s5PositiveFees = [
                { sel: '#s5_auth_all_card',             label: 'Authorization Fee: All Card Types' },
                { sel: '#s5_auth_batch_close',           label: 'Authorization Fee: Batch Close Fee' },
                { sel: '#s5_auth_voice',                 label: 'Authorization Fee: Voice' },
                { sel: '#s5_auth_aru',                   label: 'Authorization Fee: ARU' },
                { sel: '#s5_auth_amex',                  label: 'Authorization Fee: Amex' },
                // Live cert test (2026-07-10): ELAP requires this one specifically to be from
                // 0.93 to 1.35 on this account ("pinDebitFees.pinDebitPerItemFee needs to be from
                // 0.93 to 1.35") — a narrower range than the plain ">0" check its siblings use.
                { sel: '#s5_pin_debit_per_item_fee',     label: 'PIN Debit Per Item Fee', min: 0.93, max: 1.35, minInclusive: true },
                { sel: '#s5_pin_debit_rate_percent',     label: 'PIN Debit Rate' },
                { sel: '#s5_pin_debit_monthly_fee',      label: 'PIN Debit Monthly Fee' },
                { sel: '#s5_pin_debit_application_fee',  label: 'PIN Debit Application Fee' },
                { sel: '#s5_pin_debit_ebt_per_item_fee', label: 'PIN Debit EBT Per Item Fee' },
            ];
            for (var _fi = 0; _fi < _s5PositiveFees.length; _fi++) {
                var $_fee = $(_s5PositiveFees[_fi].sel);
                var _feeVal = parseFloat($_fee.val());
                var _feeMin = (_s5PositiveFees[_fi].min !== undefined) ? _s5PositiveFees[_fi].min : 0;
                var _feeMax = _s5PositiveFees[_fi].max;
                var _minFails = _s5PositiveFees[_fi].minInclusive ? !(_feeVal >= _feeMin) : !(_feeVal > _feeMin);
                var _maxFails = (_feeMax !== undefined) && (_feeVal > _feeMax);
                if (_minFails || _maxFails) {
                    var _feeMsg = (_feeMax !== undefined)
                        ? _s5PositiveFees[_fi].label + ' must be between $' + _feeMin.toFixed(2) + ' and $' + _feeMax.toFixed(2)
                        : _s5PositiveFees[_fi].label + ' must be greater than $0.00';
                    showRequiredTooltip($_fee, _feeMsg);
                    return;
                }
            }
        }

        // Step 6 custom validation: block "Yes — Send for e-Signature" when no Merchant
        // Agreement (SMA) document has been attached yet, using the document list already
        // fetched by loadDocumentList() — surfaced here rather than letting the user discover it
        // later via a generic ELAP rejection banner (see showElapErrors()). The equivalent check
        // is enforced server-side too (TurboAppApplicationService::saveStep6Data()) in case this
        // client-side check is bypassed.
        if (step === 6 && $('input[name="send_for_esign"]:checked').val() === '1') {
            var hasSmaDoc = (CURRENT_DOCUMENTS || []).some(function (doc) { return doc.document_type === 'SMA'; });
            if (!hasSmaDoc) {
                showAlert('warning', '<i class="bx bx-error-circle me-1"></i> A Merchant Agreement (SMA) document must be uploaded before sending for e-signature.');
                return;
            }
        }

        var data  = collectStepData(step);
        data.application_id = APPLICATION_ID;
        data._token = _token;

        $btn.prop('disabled', true).html('<span class="spinner-border spinner-border-sm me-1"></span> Saving…');
        $('#wizardAlert').addClass('d-none');

        $.ajax({
            url: SAVE_BASE_URL + '/' + step,
            method: 'POST',
            data: JSON.stringify(data),
            contentType: 'application/json',
            headers: { 'X-CSRF-TOKEN': _token },
            success: function (res) {
                if (res.success) {
                    APPLICATION_ID = res.application_id;
                    window.APPLICATION_ID = APPLICATION_ID; // keep the global copy (read by turbo-app-create.js) in sync
                    if (APPLICATION_ID) {
                        history.replaceState(null, '', window.location.pathname + '?application_id=' + APPLICATION_ID);
                    }

                    // The payment processor (ELAP) rejected one or more fields. The draft is
                    // saved, but hold on this step so the user can correct the data instead of
                    // silently advancing on a failed submission.
                    if (res.elap_errors && res.elap_errors.length) {
                        showElapErrors(res.elap_errors);
                        return;
                    }

                    if (COMPLETED.indexOf(step) < 0) { COMPLETED.push(step); COMPLETED.sort(function(a,b){return a-b;}); }
                    if (step < 6) {
                        var next = res.next_step || (step + 1);
                        goToStep(next);
                    } else {
                        showAlert('success', '<i class="bx bx-check-circle me-1"></i> Application saved successfully! Redirecting…');
                        refreshSidebarSteps(COMPLETED, step);
                        setTimeout(function () { window.location.href = APPLICATIONS_INDEX_URL; }, 1500);
                    }
                } else {
                    showAlert('danger', '<i class="bx bx-error me-1"></i> ' + escapeHtml(res.message || 'Save failed.'));
                }
            },
            error: function (xhr) {
                var res = xhr.responseJSON || {};
                if (xhr.status === 422 && res.errors) {
                    var FIELD_LABELS = {
                        'dba_name': 'DBA Name',
                        'elap_association': 'Association',
                        'elap_lead_source': 'Lead Source',
                        'elap_sales_rep': 'Sales Rep',
                        'legal_name': 'Legal Name',
                        'website_address': 'Website Address',
                        'merch_cust_service_num': 'Merchant Customer Service Number',
                        'ownership_type': 'Ownership Type',
                        'business_type': 'Business Type',
                        'sic_code': 'MCC / SIC Code',
                        'tax_id': 'Tax ID',
                        'addresses.0.country': 'DBA Address > Country',
                        'addresses.1.country': 'Legal Address > Country',
                        'addresses.2.country': 'Mailing Address > Country',
                        'addresses.3.country': 'Chargeback Address > Country',
                        'addresses.0.address_type': 'DBA Address > Type',
                        'addresses.1.address_type': 'Legal Address > Type',
                        'addresses.2.address_type': 'Mailing Address > Type',
                        'addresses.3.address_type': 'Chargeback Address > Type',
                        'card_present_percent': 'Card Present %',
                        'e_commerce_percent': 'E-Commerce %',
                        'manually_keyed_moto_percent': 'MOTO %',
                        'b2b_percent': 'B2B %',
                        'tax_id_type': 'Tax ID Type',
                        'chargeback_notification_type': 'Chargeback Notification Type',
                        'add_ons.merchant_trained_by': 'Merchant Trained by',
                        'add_ons.welcome_kit_emailed_to': 'Welcome Kit Emailed to',
                        'add_ons.equipment_shipped_to': 'Equipment Shipped to',
                    };
                    var msgs = [];
                    $.each(res.errors, function (k, v) {
                        var label = FIELD_LABELS[k] || humanizeFieldKey(k);
                        msgs.push(escapeHtml(label + ': ' + v.join(' ')));
                    });
                    showAlert('danger', '<strong>Validation errors:</strong><ul class="mb-0 mt-1"><li>' + msgs.join('</li><li>') + '</li></ul>');
                } else {
                    showAlert('danger', '<i class="bx bx-error me-1"></i>' + escapeHtml(res.message || 'Unexpected error. Please try again.'));
                }
            },
            complete: function () {
                var label = step < 6 ? 'Save & Continue <i class="bx bx-chevron-right"></i>' : 'Save Application <i class="bx bx-check"></i>';
                $btn.prop('disabled', false).html(label);
            }
        });
    });

    // ── Collect step form data
    function collectStepData(step) {
        switch (step) {
            case 1:
                return {
                    elap_partner:     $('#s1_partner').val(),
                    elap_lead_source: $('#s1_lead_source').val(),
                    elap_association: $('#s1_association').val(),
                    elap_sales_rep:   $('#s1_sales_rep').val(),
                    merch_app_type:   $('#s1_merch_app_type').val(),
                    sponsor_bank:     $('#s1_sponsor_bank').val(),
                    lead_id:          $('#s1_lead_id').val() || null,
                };

            case 2:
                var banks = [];
                $('.bank-account-row').each(function (i) {
                    banks.push({
                        routing_number:          $(this).find('.ba-routing').val(),
                        account_number:          $(this).find('.ba-account').val(),
                        confirm_account_number:  $(this).find('.ba-confirm-account').val(),
                        account_type:            $(this).find('.ba-type').val(),
                        usage_types:             $(this).find('.ba-usage').val() || [],
                        is_default:              $(this).find('.ba-default').is(':checked') ? 1 : 0,
                        account_sequence:        i + 1,
                    });
                });
                var SAME_AS_DBA_IDS = { LEGAL: '#legal_same_as_dba', MAILING: '#mailing_same_as_dba', CHARGEBACK: '#chargeback_same_as_dba' };
                var addresses = [];
                [
                    {key: 'dba',        type: 'DBA'},
                    {key: 'legal',      type: 'LEGAL'},
                    {key: 'mailing',    type: 'MAILING'},
                    {key: 'chargeback', type: 'CHARGEBACK'},
                ].forEach(function (a) {
                    var $s     = $('#addr_' + a.key);
                    var isSame = SAME_AS_DBA_IDS[a.type] ? $(SAME_AS_DBA_IDS[a.type]).is(':checked') : false;
                    var cFirst = a.type === 'DBA' ? $('#s2_dba_contact_first').val() : $s.find('.contact-first').val();
                    var cLast  = a.type === 'DBA' ? $('#s2_dba_contact_last').val()  : $s.find('.contact-last').val();
                    var cEmail = a.type === 'DBA' ? $('#s2_dba_contact_email').val() : $s.find('.contact-email').val();
                    var cPhone = a.type === 'DBA'
                        ? ($('#s2_dba_phone_cc').val() || '') + $('#s2_dba_phone').val()
                        : ($s.find('.phone-cc').val() || '') + $s.find('.contact-phone').val();
                    var cTitle = a.type === 'DBA' ? $('#s2_dba_contact_title').val() : $s.find('.contact-title').val();
                    addresses.push({
                        address_type:       a.type,
                        is_same_as_dba:     isSame ? 1 : 0,
                        address_line1:      $s.find('.addr-line1').val(),
                        address_line2:      $s.find('.addr-line2').val(),
                        city:               $s.find('.zip-city').val(),
                        state:              $s.find('.zip-state').val(),
                        zip_code:           $s.find('.zip-autofill').val(),
                        country:            $s.find('.addr-country').val(),
                        contact_title:      cTitle,
                        contact_first_name: cFirst,
                        contact_last_name:  cLast,
                        contact_email:      cEmail,
                        contact_phone:      cPhone,
                    });
                });
                return {
                    // Business basics
                    dba_name:                         $('#s2_dba_name').val(),
                    legal_name:                       $('#s2_legal_name').val(),
                    website_address:                  $('#s2_website').val(),
                    merch_cust_service_num:           ($('#s2_cust_service_num_cc').val() || '') + $('#s2_cust_service_num').val(),
                    years_in_business:                $('#s2_years_in_business').val(),
                    planned_open_date:                $('#s2_planned_open_date').val(),
                    is_existing_business:             $('input[name="is_existing_business"]:checked').val(),
                    // DBA contact
                    dba_phone:                        ($('#s2_dba_phone_cc').val() || '') + $('#s2_dba_phone').val(),
                    dba_contact_first:                $('#s2_dba_contact_first').val(),
                    dba_contact_last:                 $('#s2_dba_contact_last').val(),
                    dba_contact_email:                $('#s2_dba_contact_email').val(),
                    dba_contact_title:                $('#s2_dba_contact_title').val(),
                    // Chargeback
                    chargeback_notification_type:     $('input[name="chargeback_notification_type"]:checked').val(),
                    chargeback_email:                 $('#s2_chargeback_notification_email').val(),
                    chargeback_fax_number:            ($('#s2_chargeback_fax_cc').val() || '') + $('#s2_chargeback_fax').val(),
                    opt_out_from_electronic_statement: $('input[name="opt_out_stmt"]:checked').val() === '1' ? 1 : 0,
                    // Business description
                    ownership_type:                   $('#s2_ownership_type').val(),
                    business_type:                    $('#s2_business_type').val(),
                    sic_code:                         $('#s2_sic_code').val(),
                    tax_exempt:                       $('input[name="tax_exempt"]:checked').val() === '1' ? 1 : 0,
                    charity_501c3_exempt:             $('#s2_charity').is(':checked') ? 1 : 0,
                    tax_id_type:                      $('#s2_tax_id_type').val(),
                    tax_id:                           $('#s2_tax_id').val(),
                    business_description:             $('#s2_business_desc').val(),
                    // Processing info
                    avg_ticket_amount:                $('#s2_avg_ticket').val(),
                    monthly_volume:                   $('#s2_monthly_volume').val(),
                    highest_ticket_amount:            $('#s2_high_ticket').val(),
                    card_types_accepted:              $('#s2_card_types_accepted').val(),
                    b2b_percent:                      $('#s2_b2b_pct').val(),
                    card_present_percent:             $('#s2_card_present').val(),
                    e_commerce_percent:               $('#s2_ecommerce').val(),
                    manually_keyed_moto_percent:      $('#s2_moto').val(),
                    partial_auth_required:            $('#s2_partial_auth').is(':checked') ? 1 : 0,
                    // Additional info
                    seasonal:                         $('input[name="seasonal"]:checked').val(),
                    active_months:                    $('#s2_active_months').val() || [],
                    goods_shipped_before_billed:      $('input[name="goods_shipped_before_billed"]:checked').val(),
                    days_prior_to_delivery:           $('#s2_days_prior_delivery').val(),
                    prepayment_type:                  $('#s2_prepayment_type').val(),
                    period_payment_collected:         $('#s2_period_payment_collected').val(),
                    has_independent_contractors:      $('input[name="has_independent_contractors"]:checked').val(),
                    contractors_names:                $('input[name="has_independent_contractors"]:checked').val() === '1' ? $('#s2_contractors_names').val() : null,
                    existing_merchant_ids:            $('input[name="has_existing_merchant_id"]:checked').val() === '1'
                                                          ? [$('#s2_merchant_id').val()].concat($('.extra-merchant-id').map(function () { return $(this).val(); }).get()).filter(Boolean)
                                                          : null,
                    trade_references:                 $('input[name="has_trade_references"]:checked').val() === '1'
                                                          ? [{
                                                              business_name:  $('#s2_trade_ref_business_name').val(),
                                                              account_number: $('#s2_trade_ref_account').val(),
                                                              phone:          ($('#s2_trade_ref_phone_cc').val() || '') + $('#s2_trade_ref_phone').val(),
                                                              product_sold:   $('#s2_trade_ref_product').val(),
                                                            }] : null,
                    // Patriot Act
                    patriot_act_doc_type:             $('input[name="patriot_act_doc_type"]:checked').val(),
                    patriot_state_of_issuance:        $('#s2_patriot_state').val(),
                    patriot_date_of_issuance:         $('#s2_patriot_date_issuance').val(),
                    patriot_expiration_date:          $('#s2_patriot_expiration_date').val(),
                    patriot_employer_id:              $('#s2_patriot_employer_id').val(),
                    patriot_place_of_issuance:        (function () {
                                                          var docType = $('input[name="patriot_act_doc_type"]:checked').val();
                                                          switch (docType) {
                                                              case 'GOVERNMENT_BUSINESS_LICENSE': return $('#s2_patriot_state').val() || '';
                                                              case 'TAX_RETURN':                  return $('#s2_patriot_place_issuance_tax').val() || '';
                                                              case 'ARTICLES_OF_INCORPORATION':   return $('#s2_patriot_place_issuance_articles').val() || '';
                                                              default:                            return '';
                                                          }
                                                      })(),
                    patriot_date_filed:               $('#s2_patriot_date_filed_tax, #s2_patriot_date_filed_articles, #s2_patriot_date_filed_financial').filter(':visible').val() || '',
                    govt_third_party_description:      $('#s2_govt_third_party_description').val(),
                    // Site Survey
                    merchant_site_visit:              $('input[name="merchant_site_visit"]:checked').val(),
                    site_maintains_inventory:         $('input[name="site_maintains_inventory"]:checked').val() || null,
                    site_inventory_sufficient:        $('input[name="site_inventory_sufficient"]:checked').val() || null,
                    site_merchandise_match:           $('input[name="site_merchandise_match"]:checked').val() || null,
                    site_signage_match:               $('input[name="site_signage_match"]:checked').val() || null,
                    site_survey_notes:                $('#s2_site_survey_notes').val(),
                    // Addresses
                    addresses:                        addresses,
                    // Bank accounts
                    bank_accounts:                    banks,
                };

            case 3:
                var owners = [];
                $('.owner-row').each(function (i) {
                    var ownCcRaw = ($(this).find('.ow-phone-cc').val() || '').toString().trim();
                    var ownCc = ownCcRaw ? (ownCcRaw.charAt(0) === '+' ? ownCcRaw : '+' + ownCcRaw) : '+1';
                    var isUsOwner = $(this).find('.ow-us-citizen').is(':checked');
                    owners.push({
                        owner_sequence:        i + 1,
                        contact_title:         $(this).find('.ow-title').val(),
                        first_name:            $(this).find('.ow-first').val(),
                        last_name:             $(this).find('.ow-last').val(),
                        is_us_citizen:         isUsOwner ? 1 : 0,
                        is_app_signer:         $(this).find('.ow-app-signer').is(':checked') ? 1 : 0,
                        is_personal_guarantor: $(this).find('.ow-personal-guarantor').is(':checked') ? 1 : 0,
                        is_beneficial_owner:   $(this).find('.ow-beneficial-owner').is(':checked') ? 1 : 0,
                        is_individual_control: $(this).find('.ow-individual-control').is(':checked') ? 1 : 0,
                        ssn:                   $(this).find('.ow-ssn').val(),
                        passport_number:       $(this).find('.ow-passport').val(),
                        date_of_birth:         $(this).find('.ow-dob').val(),
                        ownership_percent:     $(this).find('.ow-pct').val(),
                        email:                 $(this).find('.ow-email').val(),
                        phone:                 ownCc + $(this).find('.ow-phone').val(),
                        country:               $(this).find('.ow-country').val(),
                        street_number:         $(this).find('.ow-street-number').val(),
                        street_name:           $(this).find('.ow-street-name').val(),
                        street_direction:      $(this).find('.ow-street-direction').val(),
                        street_type:           $(this).find('.ow-street-type').val(),
                        unit_suite:            $(this).find('.ow-unit-suite').val(),
                        city:                  $(this).find('.ow-city').val(),
                        // Non-US owners send an unstructured foreignState instead of the US state
                        // select — same underlying `state` column (see
                        // ElapApiService::buildOwnerPayload()'s non-US branch).
                        state:                 isUsOwner ? $(this).find('.ow-state').val() : $(this).find('.ow-foreign-state').val(),
                        zip_code:              $(this).find('.ow-zip').val(),
                        address_line1:         $(this).find('.ow-address-line1').val(),
                        address_line2:         $(this).find('.ow-address-line2').val(),
                    });
                });
                return { owners: owners };

            case 4:
                var _typeMap = { integrated: 'INTEGRATED', standalone: 'STANDALONE', webpass: 'WEBPASS', genius: 'GENIUS_COUNTERTOP' };
                var products = [];
                $('.product-item').each(function () {
                    try {
                        var _d = JSON.parse($(this).attr('data-json') || '{}');
                        if (!_d.product_type && _d.type) { _d.product_type = _typeMap[_d.type] || _d.type.toUpperCase(); }
                        products.push(_d);
                    } catch(e) {}
                });
                return {
                    card_types: {
                        amex_requested:            $('#ct_amex').is(':checked') ? 1 : 0,
                        debit_requested:           $('#ct_debit').is(':checked') ? 1 : 0,
                        ebt_requested:             $('#ct_ebt').is(':checked') ? 1 : 0,
                        ebt_service:               $('#ct_ebt_service').val(),
                        ebt_fns_fcs_number:        $('#ct_ebt_fns').val(),
                        debit_cash_back_requested: $('#ct_debit_cashback').is(':checked') ? 1 : 0,
                        amex_marketing_materials:  $('#ct_amex_mktg').is(':checked') ? 1 : 0,
                        amex_annual_volume_limit:  $('#ct_amex_limit').val(),
                    },
                    products: products,
                    add_ons: {
                        unsupported_pos_monthly_fee:  $('#ao_unsupported_pos_monthly_fee').val(),
                        unsupported_pos_setup_fee:    $('#ao_unsupported_pos_setup_fee').val(),
                        data_protection_per_item_fee: $('#ao_data_protection_per_item_fee').val(),
                        p2pe_per_item_fee:             $('#ao_p2pe_per_item_fee').val(),
                        merchant_trained_by:           $('#ta_merchant_trained_by').val(),
                        welcome_kit_emailed_to:        $('#ta_welcome_kit_emailed_to').val(),
                        equipment_shipped_to:          $('#ta_equipment_shipped_to').val(),
                    },
                };

            case 5:
                return {
                    processing_type:        $('#s5_processing_type').val(),
                    pricing_plan:           $('#s5_pricing_plan').val(),
                    plan_options:           $('#s5_plan_options').val(),
                    all_card_rate:          $('#s5_all_card_rate').val(),
                    per_item_fee:           $('#s5_per_item_fee').val(),
                    mid_qual_percent:       $('#s5_mid_qual_pct').val(),
                    mid_qual_per_item:      $('#s5_mid_qual_item').val(),
                    non_qual_percent:       $('#s5_non_qual_pct').val(),
                    non_qual_per_item:      $('#s5_non_qual_item').val(),
                    auth_fee_all_card:      $('#s5_auth_all_card').val(),
                    auth_fee_batch_close:   $('#s5_auth_batch_close').val(),
                    auth_fee_voice:         $('#s5_auth_voice').val(),
                    auth_fee_aru:           $('#s5_auth_aru').val(),
                    auth_fee_amex:          $('#s5_auth_amex').val(),
                    pin_debit_per_item_fee:     $('#s5_pin_debit_per_item_fee').val(),
                    pin_debit_rate_percent:     $('#s5_pin_debit_rate_percent').val(),
                    pin_debit_monthly_fee:      $('#s5_pin_debit_monthly_fee').val(),
                    pin_debit_application_fee:  $('#s5_pin_debit_application_fee').val(),
                    pin_debit_ebt_per_item_fee: $('#s5_pin_debit_ebt_per_item_fee').val(),
                    paper_statement_fee:    $('#s5_paper_stmt_fee').val(),
                    breach_security_fee:    $('#s5_breach_fee').val(),
                    monthly_service_fee:    $('#s5_monthly_service').val(),
                    monthly_minimum:        $('#s5_monthly_minimum').val(),
                    ach_change_fee:         $('#s5_ach_change_fee').val(),
                    annual_fee:             $('#s5_annual_fee').val(),
                    application_setup_fee:  $('#s5_app_setup_fee').val(),
                    chargeback_fee:         $('#s5_chargeback_fee').val(),
                    retrieval_fee:          $('#s5_retrieval_fee').val(),
                    early_termination_fee:  $('#s5_early_term_fee').val(),
                    apply_early_termination: $('#s5_apply_early_term').is(':checked') ? 1 : 0,
                    include_daily_discount: $('input[name="include_daily_discount"]:checked').val() === '1' ? 1 : 0,
                    same_day_ach:           $('input[name="same_day_ach"]:checked').val() === '1' ? 1 : 0,
                };

            case 6:
                return {
                    send_for_esign: $('input[name="send_for_esign"]:checked').val() === '1' ? 1 : 0,
                };

            default:
                return {};
        }
    }

    // ── Bank Account row template
    var bankCount = 0;
    var bankRowTemplate = function () {
        bankCount++;
        var bc = bankCount;
        return '<div class="bank-account-row card p-3 mb-2 border">' +
            '<div class="d-flex justify-content-between align-items-center mb-2"><strong class="small">Bank Account</strong>' +
            '<button type="button" class="btn btn-sm btn-outline-danger px-2 btn-remove-bank" title="Remove"><i class="bx bx-trash"></i></button></div>' +
            '<div class="row g-2">' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Account Type <span class="text-danger">*</span></label>' +
            '<select class="form-control form-control-lg no-search select2 ba-type" required><option value="CHECKING" selected>Checking</option><option value="SAVINGS">Savings</option></select></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Routing Number <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ba-routing only-numeric" maxlength="9" placeholder="123456789" required></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Account Number <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ba-account only-numeric" maxlength="17" placeholder="Account Number" required></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Confirm Account Number <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ba-confirm-account only-numeric" maxlength="17" placeholder="Confirm Account Number" required></div></div>' +
            '<div class="col-md-8"><div class="project-form"><label class="form-label mb-0">Usage</label>' +
            '<select class="form-control form-control-lg select2 ba-usage" multiple>' +
            '<option value="DEPOSITS">Deposits</option><option value="FEES">Fees</option><option value="ACH_SETTLEMENTS">ACH Settlements</option>' +
            '</select></div></div>' +
            '<div class="col-md-4 d-flex align-items-end"><div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input ba-default" type="checkbox" id="ba-default-' + bc + '"><label class="custom-control-label" for="ba-default-' + bc + '">Primary Account</label></div></div>' +
            '</div></div>';
    };

    $('#btnAddBankAccount').on('click', function () {
        $('#bankAccountsContainer').append(bankRowTemplate());
        var $newRow = $('#bankAccountsContainer .bank-account-row').last();
        $newRow.find('.ba-type').select2({ width: '100%', minimumResultsForSearch: Infinity });
        $newRow.find('.ba-usage').select2({ width: '100%' });
        if (window.disableAutocomplete) { window.disableAutocomplete($newRow); }
    });
    $(document).on('click', '.btn-remove-bank', function () {
        $(this).closest('.bank-account-row').remove();
    });
    $(document).on('change', '.ba-default', function () {
        if ($(this).is(':checked')) { $('.ba-default').not(this).prop('checked', false); }
    });
    $(document).on('blur', '.ba-confirm-account', function () {
        var $row = $(this).closest('.bank-account-row');
        if ($(this).val() && $(this).val() !== $row.find('.ba-account').val()) {
            showRequiredTooltip($(this), 'Account numbers do not match');
        }
    });

    // ── Owner row template (Step 3)
    var ownerCount = 0;
    var streetDirections = ['N','NE','E','SE','S','SW','W','NW'];
    var streetTypes = ['ST','AVE','BLVD','DR','RD','CT','LN','WAY','PKWY','PL'];
    var maxAdultDob = new Date(new Date().setFullYear(new Date().getFullYear() - 18)).toISOString().slice(0, 10);

    var ownerRowTemplate = function (n, isFirstOwner) {
        var dirOpts = '<option value="">Dir (opt)</option>' + streetDirections.map(function(d){return '<option value="'+d+'">'+d+'</option>';}).join('');
        var typeOpts = '<option value="">Type (opt)</option>' + streetTypes.map(function(t){return '<option value="'+t+'">'+t+'</option>';}).join('');
        // App Signer / Individual with Control default to checked ONLY for the first owner on a
        // brand-new application (a sole owner/signer is a reasonable default). SaveStep3Request::
        // withValidator() hard-caps these at <=2 App Signers and <=1 Individual with Control across
        // all owners (ELAP error 40010) — defaulting every new owner row to checked on both meant a
        // 3rd owner (App Signer) or 2nd owner (Individual with Control) added without manually
        // unchecking reliably tripped those limits. Personal Guarantor / Beneficial Owner have no
        // such ELAP limit, so they stay checked-by-default for every owner. Rehydration/edit-mode
        // callers of this template always overwrite these via .prop('checked', ...) afterward, so
        // the `isFirstOwner !== false` default here only affects the brief pre-hydration render.
        isFirstOwner = isFirstOwner !== false;
        var appSignerDefault = isFirstOwner ? ' checked' : '';
        var individualControlDefault = isFirstOwner ? ' checked' : '';
        return '<div class="owner-row card p-3 mb-3 border">' +
            '<div class="d-flex justify-content-between align-items-center mb-3"><strong class="small">Owner / Officer #' + n + '</strong>' +
            '<button type="button" class="btn btn-sm btn-link text-danger p-0 btn-remove-owner"><i class="bx bx-trash"></i></button></div>' +
            '<div class="mb-2 d-flex flex-wrap gap-3">' +
            '<div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input form-check-input ow-app-signer" type="checkbox" id="ow-app-signer-' + n + '"' + appSignerDefault + '><label class="custom-control-label" for="ow-app-signer-' + n + '">App Signer</label></div>' +
            '<div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input form-check-input ow-personal-guarantor" type="checkbox" id="ow-personal-guarantor-' + n + '" checked><label class="custom-control-label" for="ow-personal-guarantor-' + n + '">Personal Guarantor</label></div>' +
            '<div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input form-check-input ow-beneficial-owner" type="checkbox" id="ow-beneficial-owner-' + n + '" checked><label class="custom-control-label" for="ow-beneficial-owner-' + n + '">Beneficial Owner</label></div>' +
            '<div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input form-check-input ow-individual-control" type="checkbox" id="ow-individual-control-' + n + '"' + individualControlDefault + '><label class="custom-control-label" for="ow-individual-control-' + n + '">Individual with Control</label></div>' +
            '</div>' +
            '<div class="row g-2">' +
            '<div class="col-md-5"><div class="project-form"><label class="form-label mb-0">First Name <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-first" maxlength="100" required></div></div>' +
            '<div class="col-md-5"><div class="project-form"><label class="form-label mb-0">Last Name <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-last" maxlength="100" required></div></div>' +
            '<div class="col-md-2"><div class="project-form"><label class="form-label mb-0">Title <span class="text-danger">*</span></label>' +
            '<select class="form-control form-control-lg select2 ow-title" required><option value="">Select</option></select></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Phone Number <span class="text-danger">*</span></label><div class="input-group flex"><select class="prefix-select ow-phone-cc" autocomplete="off">' + PHONE_CODE_OPTIONS + '</select><input type="text" class="form-control form-control-lg ow-phone input-mask" maxlength="30" data-inputmask="\'mask\': \'(999) 999-9999\'" data-inputmask-inputmode="numeric"></div></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Email Address <span class="text-danger">*</span></label><input type="email" class="form-control form-control-lg ow-email" maxlength="255" placeholder="email@example.com"></div></div>' +
            '<div class="col-12 mt-1"><div class="custom-control custom-checkbox project-checkbox"><input class="custom-control-input form-check-input ow-us-citizen" type="checkbox" id="ow-us-citizen-' + n + '" checked><label class="custom-control-label" for="ow-us-citizen-' + n + '">U.S. Citizen / Resident</label></div></div>' +
            '<div class="col-md-4"><div class="project-form"><label class="form-label mb-0">Social Security Number <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-ssn input-mask" data-inputmask="\'mask\': \'999-99-9999\'" data-inputmask-inputmode="numeric" maxlength="11" placeholder="000-00-0000" autocomplete="off"></div></div>' +
            '<div class="col-md-4"><div class="project-form"><label class="form-label mb-0">% of Ownership <span class="text-danger">*</span></label><input type="number" class="form-control form-control-lg ow-pct" min="0" max="100" step="0.01" required></div></div>' +
            '<div class="col-md-4"><div class="project-form"><label class="form-label mb-0">Date of Birth <span class="text-danger">*</span></label><input type="date" class="form-control form-control-lg ow-dob" max="' + maxAdultDob + '"></div></div>' +
            '<div class="col-12 mt-2"><p class="mb-1 small fw-semibold text-muted">Address</p></div>' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">Country <span class="text-danger">*</span></label><select class="form-control form-control-lg select2 ow-country"><option value="US">United States</option></select></div></div>' +
            // US-structured address — shown for US Citizen / Resident owners (ELAP structured
            // street/city/state/zip fields). Toggled by syncOwnerCitizenship() below.
            '<div class="col-12"><div class="row g-2 ow-us-address">' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">Street Number <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-street-number" maxlength="6" placeholder="123"></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Street Name <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-street-name" maxlength="100" placeholder="Main Street"></div></div>' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">Postal Code <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-zip only-numeric" maxlength="9" placeholder="10001"></div></div>' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">City <span class="text-danger">*</span></label><input type="text" class="form-control form-control-lg ow-city" maxlength="100"></div></div>' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">Street Direction</label><select class="form-control form-control-lg ow-street-direction">' + dirOpts + '</select></div></div>' +
            '<div class="col-md-3"><div class="project-form"><label class="form-label mb-0">Street Type <span class="text-danger">*</span></label><select class="form-control form-control-lg ow-street-type">' + typeOpts + '</select></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">State <span class="text-danger">*</span></label><select class="form-control form-control-lg select2 ow-state"><option value="">— Select State —</option>' + US_STATE_OPTIONS + '</select></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Unit / Suite # (optional)</label><input type="text" class="form-control form-control-lg ow-unit-suite" maxlength="50" placeholder="e.g. 45 or 4B"></div></div>' +
            '</div></div>' +
            // Passport + foreign (unstructured) address — shown for non-US owners instead of the
            // US-structured block above (ELAP: addressLine1/addressLine2/foreignState plus
            // passportNumber/passportCountry — passportCountry reuses the Country select above).
            // Hidden by default since the citizen checkbox defaults to checked.
            '<div class="col-12"><div class="row g-2 ow-foreign-address d-none">' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Passport Number</label><div class="input-group"><input type="password" class="form-control form-control-lg ow-passport" maxlength="20" autocomplete="off"><button type="button" class="btn btn-outline-secondary btn-toggle-pass" tabindex="-1" title="Show / Hide"><i class="bx bx-hide"></i></button></div></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">State / Province</label><input type="text" class="form-control form-control-lg ow-foreign-state" maxlength="10" placeholder="e.g. Ontario"></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Address Line 1</label><input type="text" class="form-control form-control-lg ow-address-line1" maxlength="255"></div></div>' +
            '<div class="col-md-6"><div class="project-form"><label class="form-label mb-0">Address Line 2 (optional)</label><input type="text" class="form-control form-control-lg ow-address-line2" maxlength="255"></div></div>' +
            '</div></div>' +
            '</div></div>';
    };

    // ELAP rejects owner creation (error 40016) unless a Sole Proprietorship's owner is
    // marked as App Signer, Personal Guarantor, Beneficial Owner AND Individual with Control —
    // true by definition for a sole proprietor. Lock those 4 checkboxes checked while the
    // business's ownership type is Sole Proprietorship so a user can't uncheck one by mistake.
    var isSoleProp = function () {
        var v = ($('#s2_ownership_type').val() || '').toString().toUpperCase();
        return v === 'SOLE' || v === 'SOLE_PROP';
    };
    var applySoleProprietorLock = function ($row) {
        var locked = isSoleProp();
        var $roleBoxes = $row.find('.ow-app-signer, .ow-personal-guarantor, .ow-beneficial-owner, .ow-individual-control');
        $roleBoxes.prop('disabled', locked);
        if (locked) { $roleBoxes.prop('checked', true); }
    };

    // ── Owner citizenship toggle — same conditional-visibility pattern as Step 2's
    // syncSameAsDba() (step-2.blade.php): checked (US Citizen / Resident) shows the
    // US-structured address block (.ow-us-address) and hides Passport/foreign-address
    // fields (.ow-foreign-address); unchecked does the reverse. Must be called both on
    // the checkbox's change event and whenever a row is created/rehydrated so the
    // correct block is visible from the start (e.g. a non-US owner loaded in edit mode
    // must show Passport/foreign fields, not the empty US block with passport data
    // hidden underneath it).
    var syncOwnerCitizenship = function ($row) {
        var isUs = $row.find('.ow-us-citizen').is(':checked');
        // toggleClass('d-none', …), not jQuery .toggle()/.show() — Bootstrap's .d-none is
        // `display: none !important`, which an inline style from .show()/.toggle() cannot
        // override once the class is present (same pattern as #ebtOptions/#amexOptions above).
        $row.find('.ow-us-address').toggleClass('d-none', !isUs);
        $row.find('.ow-foreign-address').toggleClass('d-none', isUs);
    };
    $(document).on('change', '.ow-us-citizen', function () {
        syncOwnerCitizenship($(this).closest('.owner-row'));
    });

    // A stored owner phone is "+<cc><digits>" (e.g. "+1(342) 525-3543") — split it back into
    // the calling-code select and the plain number field on hydrate, instead of dumping the
    // whole string into the number field (which would double the calling code on next save).
    var splitStoredPhone = function (stored) {
        stored = (stored || '').toString();
        var m = stored.match(/^(\+\d{1,3})(.*)$/);
        return m ? { cc: m[1], number: m[2].replace(/\D/g, '') } : { cc: '', number: stored.replace(/\D/g, '') };
    };
    $(document).on('change', '#s2_ownership_type', function () {
        $('#ownersContainer .owner-row').each(function () { applySoleProprietorLock($(this)); });
    });

    $('#btnAddOwner').on('click', function () {
        // Only the very first owner row on a brand-new application gets the ELAP-limited role
        // checkboxes (App Signer / Individual with Control) defaulted to checked — see comment
        // in ownerRowTemplate() above.
        var isFirstOwner = $('#ownersContainer .owner-row').length === 0;
        ownerCount++;
        $('#ownersContainer').append(ownerRowTemplate(ownerCount, isFirstOwner));
        var $newRow     = $('#ownersContainer .owner-row').last();
        var $newTitle   = $newRow.find('.ow-title');
        var $newCountry = $newRow.find('.ow-country');
        var $newState   = $newRow.find('.ow-state');
        // Init select2 on new row selects
        $newTitle.select2({ width: '100%' });
        $newCountry.select2({ width: '100%' });
        $newState.select2({ width: '100%' });
        // Populate title from cached ELAP contact types
        populateOwnerTitleSelect($newTitle);
        // Load country from ELAP (state already pre-populated from US_STATE_OPTIONS)
        loadSelect($newCountry, 'country', {}, '— Select Country —');
        $newRow.find('.input-mask').inputmask();
        applySoleProprietorLock($newRow);
        syncOwnerCitizenship($newRow);
        if (window.disableAutocomplete) { window.disableAutocomplete($newRow); }
    });
    $(document).on('click', '.btn-remove-owner', function () {
        $(this).closest('.owner-row').remove();
    });

    // ── Fee Schedule: Pricing Plan → Options update — real ELAP option ids from the cached
    // feeSchedule/feeProcessingDetail tree (see populateFeePlanOptions() above).
    $(document).on('change', '#s5_pricing_plan', function () {
        populateFeePlanOptions($('#s5_processing_type').val(), $(this).val());
    });

    // ── Lead selector: Select2 AJAX init for #s1_lead_id
    (function () {
        var $leadSel = $('#s1_lead_id');
        if (!$leadSel.length) return;
        if ($leadSel.hasClass('select2-hidden-accessible')) { $leadSel.select2('destroy'); }
        $leadSel.select2({
            width: '100%',
            placeholder: $leadSel.data('placeholder') || 'Type to search...',
            allowClear: true,
            minimumInputLength: parseInt($leadSel.data('minimum-input-length') || 2),
            ajax: {
                url: function () { return $leadSel.data('ajax-url'); },
                dataType: 'json',
                delay: 250,
                data: function (params) { return { q: params.term, page: params.page || 1 }; },
                processResults: function (data) { return data; },
                cache: true,
            },
        });
    })();

    $('#s1_lead_id').on('select2:select', function (e) {
        $.getJSON(LEAD_DATA_URL + e.params.data.id, function (res) {
            _leadPrefillData = res;
        }).fail(function () {
            _leadPrefillData = null;
        });
    });

    $('#s1_lead_id').on('select2:unselect', function () {
        _leadPrefillData = null;
    });

    // ── Wrap goToStep to trigger lead pre-fill after step loads
    var _origGoToStep = goToStep;
    goToStep = function (step) {
        _origGoToStep(step);
        if (_leadPrefillData) {
            if (step === 5) {
                // Step 5's prefill sets processing_type/pricing_plan/plan_options, a cascade
                // whose options come from loadFeeProcessingDetail()'s AJAX call, not from a
                // fixed delay. _origGoToStep(step) above (goToStep()) has already synchronously
                // stored that same in-flight promise in MASTER_DATA_PROMISES[step] — the exact
                // promise populateStep()'s own edit-mode rehydration gates on just above — so
                // chain onto it here too instead of guessing a timeout. If the network call
                // takes longer than a guessed delay would have, the old setTimeout(400) silently
                // no-op'd this prefill; waiting on the real promise can't.
                $.when.apply($, MASTER_DATA_PROMISES[step] || []).always(function () {
                    fillLeadDataForStep(step);
                });
            } else {
                setTimeout(function () { fillLeadDataForStep(step); }, 400);
            }
        }
    };

    // ── Pre-fill fields from selected lead data per step
    function fillLeadDataForStep(step) {
        if (!_leadPrefillData) return;

        if (step === 2) {
            var d = _leadPrefillData.step2 || {};
            $('#s2_dba_name').val(d.dba_name || '');
            $('#s2_legal_name').val(d.legal_name || '');
            $('#s2_dba_contact_first').val(d.dba_contact_first || '');
            $('#s2_dba_contact_last').val(d.dba_contact_last || '');
            $('#s2_dba_phone').val(d.dba_phone || '');
            $('#s2_dba_contact_email').val(d.dba_contact_email || '');
            // DBA address — class-based inside #addr_dba
            var $dba = $('#addr_dba');
            $dba.find('.addr-line1').val(d.address_line1 || '');
            $dba.find('.zip-autofill').val(d.address_zip || '');
            $dba.find('.zip-city').val(d.address_city || '');
            $dba.find('.zip-state').val(d.address_state || '');
            if (d.address_country) { $('#s2_dba_country').val(d.address_country).trigger('change'); }
            // Business classification
            if (d.ownership_type) { $('#s2_ownership_type').val(d.ownership_type).trigger('change'); }
            $('#s2_tax_id').val(d.tax_id || '');
            // Financial
            $('#s2_avg_ticket').val(d.avg_ticket_amount || '');
            $('#s2_monthly_volume').val(d.monthly_volume || '');
            $('#s2_high_ticket').val(d.highest_ticket_amount || '');
            if (d.card_present_percent != null) { $('#s2_card_present').val(d.card_present_percent); }
            if (d.e_commerce_percent != null)   { $('#s2_ecommerce').val(d.e_commerce_percent); }
            $('#s2_card_present, #s2_ecommerce').trigger('input');
        }

        if (step === 3) {
            var owners = (_leadPrefillData.step3 && _leadPrefillData.step3.owners) || [];
            if (!owners.length) return;
            $('#ownersContainer').empty();
            ownerCount = 0;
            $('#noOwnerMsg').hide();
            owners.forEach(function (owner) {
                ownerCount++;
                var n = ownerCount;
                $('#ownersContainer').append(ownerRowTemplate(n));
                var $row = $('#ownersContainer .owner-row').last();
                // Title select — populate from the real ELAP contact-title codes via the
                // shared populateOwnerTitleSelect() helper, then init Select2.
                var $titleSel = $row.find('.ow-title');
                $titleSel.select2({ width: '100%', minimumResultsForSearch: Infinity });
                populateOwnerTitleSelect($titleSel, function () {
                    if (owner.title) { $titleSel.val(owner.title).trigger('change'); }
                });
                $row.find('.input-mask').inputmask();
                // Text fields
                $row.find('.ow-first').val(owner.first_name || '');
                $row.find('.ow-last').val(owner.last_name || '');
                var ph1 = splitStoredPhone(owner.phone);
                if (ph1.cc) { $row.find('.ow-phone-cc').val(ph1.cc); }
                $row.find('.ow-phone').val(ph1.number);
                $row.find('.ow-email').val(owner.email || '');
                $row.find('.ow-pct').val(owner.ownership_percent || '');
                $row.find('.ow-dob').val(owner.date_of_birth || '');
                var $ownCountry1 = $row.find('.ow-country');
                $ownCountry1.select2({ width: '100%' });
                loadSelect($ownCountry1, 'country', {}, '— Select Country —').done(function () {
                    $ownCountry1.val(owner.country || 'US').trigger('change');
                });
                $row.find('.ow-street-number').val(owner.street_number || '');
                $row.find('.ow-street-name').val(owner.street_name || '');
                $row.find('.ow-unit-suite').val(owner.unit_suite || '');
                $row.find('.ow-city').val(owner.city || '');
                $row.find('.ow-state').val(owner.state || '').trigger('change');
                $row.find('.ow-zip').val(owner.zip_code || '');
                // Passport / foreign-address fields (non-US owners)
                $row.find('.ow-passport').val(owner.passport_number || '');
                $row.find('.ow-address-line1').val(owner.address_line1 || '');
                $row.find('.ow-address-line2').val(owner.address_line2 || '');
                $row.find('.ow-foreign-state').val(owner.state || '');
                // Checkboxes
                $row.find('.ow-us-citizen').prop('checked', !!owner.is_us_citizen);
                $row.find('.ow-app-signer').prop('checked', !!owner.is_app_signer);
                $row.find('.ow-personal-guarantor').prop('checked', !!owner.is_personal_guarantor);
                $row.find('.ow-beneficial-owner').prop('checked', !!owner.is_beneficial_owner);
                $row.find('.ow-individual-control').prop('checked', !!owner.is_individual_control);
                applySoleProprietorLock($row);
                syncOwnerCitizenship($row);
            });
            $('#noOwnerMsg').hide();
        }

        if (step === 4) {
            var d4 = _leadPrefillData.step4 || null;
            if (!d4) return;
            $('#ct_amex').prop('checked', !!d4.amex_requested).trigger('change');
            $('#ct_debit').prop('checked', !!d4.debit_requested);
            $('#ct_ebt').prop('checked', !!d4.ebt_requested).trigger('change');
            $('#ct_debit_cashback').prop('checked', !!d4.debit_cash_back_requested);
            $('#ct_amex_mktg').prop('checked', !!d4.amex_marketing_materials);
            if (d4.ebt_service)             { $('#ct_ebt_service').val(d4.ebt_service).trigger('change'); }
            if (d4.ebt_fns_fcs_number)      { $('#ct_ebt_fns').val(d4.ebt_fns_fcs_number); }
            if (d4.amex_annual_volume_limit) { $('#ct_amex_limit').val(d4.amex_annual_volume_limit); }
            // Individual products are not reconstructed — product card UI is too complex
        }

        if (step === 5) {
            var d5 = _leadPrefillData.step5 || null;
            if (!d5) return;
            if (d5.processing_type) { $('#s5_processing_type').val(d5.processing_type).trigger('change'); }
            if (d5.pricing_plan)    { $('#s5_pricing_plan').val(d5.pricing_plan).trigger('change'); }
            if (d5.plan_options)    { $('#s5_plan_options').val(d5.plan_options).trigger('change'); }
            $('#s5_all_card_rate').val(d5.all_card_rate || '');
            $('#s5_per_item_fee').val(d5.per_item_fee || '');
            $('#s5_mid_qual_pct').val(d5.mid_qual_percent || '');
            $('#s5_mid_qual_item').val(d5.mid_qual_per_item || '');
            $('#s5_non_qual_pct').val(d5.non_qual_percent || '');
            $('#s5_non_qual_item').val(d5.non_qual_per_item || '');
            $('#s5_auth_all_card').val(d5.auth_fee_all_card || '');
            $('#s5_auth_batch_close').val(d5.auth_fee_batch_close || '');
            $('#s5_auth_voice').val(d5.auth_fee_voice || '');
            $('#s5_auth_aru').val(d5.auth_fee_aru || '');
            $('#s5_auth_amex').val(d5.auth_fee_amex || '');
            $('#s5_pin_debit_per_item_fee').val(d5.pin_debit_per_item_fee || '');
            $('#s5_pin_debit_rate_percent').val(d5.pin_debit_rate_percent || '');
            $('#s5_pin_debit_monthly_fee').val(d5.pin_debit_monthly_fee || '');
            $('#s5_pin_debit_application_fee').val(d5.pin_debit_application_fee || '');
            $('#s5_pin_debit_ebt_per_item_fee').val(d5.pin_debit_ebt_per_item_fee || '');
            $('#s5_paper_stmt_fee').val(d5.paper_statement_fee || '');
            $('#s5_breach_fee').val(d5.breach_security_fee || '');
            $('#s5_monthly_service').val(d5.monthly_service_fee || '');
            $('#s5_monthly_minimum').val(d5.monthly_minimum || '');
            $('#s5_ach_change_fee').val(d5.ach_change_fee || '');
            $('#s5_annual_fee').val(d5.annual_fee || '');
            $('#s5_app_setup_fee').val(d5.application_setup_fee || '');
            $('#s5_chargeback_fee').val(d5.chargeback_fee || '');
            $('#s5_retrieval_fee').val(d5.retrieval_fee || '');
            $('#s5_early_term_fee').val(d5.early_termination_fee || '');
            $('#s5_apply_early_term').prop('checked', !!d5.apply_early_termination);
            $('input[name="include_daily_discount"][value="' + (d5.include_daily_discount ? '1' : '0') + '"]').prop('checked', true);
            $('input[name="same_day_ach"][value="' + (d5.same_day_ach ? '1' : '0') + '"]').prop('checked', true);
        }

        // Step 6: no pre-fill — send_for_esign is always the user's explicit choice
    }

    // ── Populate form fields from saved DB data (edit mode & back-navigation)
    function populateStep(step, data) {
        if (!data) return;

        if (step === 1) {
            if (data.elap_lead_source) { $('#s1_lead_source').val(data.elap_lead_source).trigger('change'); }
            if (data.elap_association) { $('#s1_association').val(data.elap_association).trigger('change'); }
            if (data.elap_sales_rep) {
                // Sales rep depends on association — wait for dependent AJAX to finish
                setTimeout(function () { $('#s1_sales_rep').val(data.elap_sales_rep).trigger('change'); }, 800);
            }
            if (data.merch_app_type) { $('#s1_merch_app_type').val(data.merch_app_type).trigger('change'); }
            if (data.sponsor_bank)   { $('#s1_sponsor_bank').val(data.sponsor_bank).trigger('change'); }
            if (data.lead_id && data.lead_label) {
                var $lead = $('#s1_lead_id');
                if (!$lead.find('option[value="' + data.lead_id + '"]').length) {
                    $lead.append(new Option(data.lead_label, data.lead_id, true, true)).trigger('change');
                }
            }
        }

        if (step === 2) {
            $('#s2_dba_name').val(data.dba_name || '');
            $('#s2_legal_name').val(data.legal_name || '');
            $('#s2_website').val(data.website_address || '');
            $('#s2_years_in_business').val(data.years_in_business || '');
            $('#s2_business_desc').val(data.business_description || '');
            $('#s2_cust_service_num').val(data.merch_cust_service_num || '');
            if (data.is_existing_business != null) {
                $('input[name="is_existing_business"][value="' + (data.is_existing_business ? '1' : '0') + '"]').prop('checked', true).trigger('change');
            }
            if (data.planned_open_date) { $('#s2_planned_open_date').val(data.planned_open_date); }
            $('#s2_dba_contact_first').val(data.dba_contact_first || '');
            $('#s2_dba_contact_last').val(data.dba_contact_last || '');
            $('#s2_dba_contact_email').val(data.dba_contact_email || '');
            $('#s2_dba_contact_title').val(data.dba_contact_title || '');
            $('#s2_dba_phone').val(data.dba_phone || '');
            if (data.chargeback_fax_number) {
                $('input[name="chargeback_notification_type"][value="FAX"]').prop('checked', true).trigger('change');
                $('#s2_chargeback_fax').val(data.chargeback_fax_number);
            } else {
                $('input[name="chargeback_notification_type"][value="EMAIL"]').prop('checked', true).trigger('change');
                if (data.chargeback_email) { $('#s2_chargeback_notification_email').val(data.chargeback_email); }
            }
            if (data.opt_out_from_electronic_statement != null) {
                $('input[name="opt_out_stmt"][value="' + (data.opt_out_from_electronic_statement ? '1' : '0') + '"]').prop('checked', true);
            }
            // ELAP-backed selects (already loaded by loadMasterDataForStep)
            if (data.ownership_type) { $('#s2_ownership_type').val(data.ownership_type).trigger('change'); }
            if (data.business_type)  { $('#s2_business_type').val(data.business_type).trigger('change'); }
            if (data.sic_code)       { $('#s2_sic_code').val(data.sic_code).trigger('change'); }
            if (data.tax_id_type)    { $('#s2_tax_id_type').val(data.tax_id_type).trigger('change'); }
            $('#s2_tax_id').val(data.tax_id || '');
            if (data.tax_exempt != null) {
                $('input[name="tax_exempt"][value="' + (data.tax_exempt ? '1' : '0') + '"]').prop('checked', true);
            }
            $('#s2_charity').prop('checked', !!data.charity_501c3_exempt);
            // Processing info
            $('#s2_card_types_accepted').val(data.card_types_accepted || 'All Credit Cards').trigger('change');
            $('#s2_avg_ticket').val(data.avg_ticket_amount || '');
            $('#s2_monthly_volume').val(data.monthly_volume || '');
            $('#s2_high_ticket').val(data.highest_ticket_amount || '');
            if (data.card_present_percent != null) { $('#s2_card_present').val(data.card_present_percent); }
            if (data.e_commerce_percent != null)   { $('#s2_ecommerce').val(data.e_commerce_percent); }
            if (data.manually_keyed_moto_percent != null) { $('#s2_moto').val(data.manually_keyed_moto_percent); }
            $('#s2_b2b_pct').val(data.b2b_percent || '');
            $('#s2_card_present, #s2_ecommerce, #s2_moto').trigger('input');
            if (data.partial_auth_required != null) { $('#s2_partial_auth').prop('checked', !!data.partial_auth_required); }
            // Extra radios / checkboxes
            ['seasonal', 'goods_shipped_before_billed', 'has_independent_contractors'].forEach(function (n) {
                if (data[n] != null) {
                    $('input[name="' + n + '"][value="' + (data[n] ? '1' : '0') + '"]').prop('checked', true);
                }
            });
            $('input[name="seasonal"]:checked').trigger('change');
            $('input[name="goods_shipped_before_billed"]:checked').trigger('change');
            $('input[name="has_independent_contractors"]:checked').trigger('change');
            if (data.active_months && data.active_months.length) { $('#s2_active_months').val(data.active_months).trigger('change'); }
            if (data.days_prior_to_delivery) { $('#s2_days_prior_delivery').val(data.days_prior_to_delivery); }
            if (data.prepayment_type) { $('#s2_prepayment_type').val(data.prepayment_type).trigger('change'); }
            if (data.period_payment_collected) { $('#s2_period_payment_collected').val(data.period_payment_collected); }
            if (data.contractors_names) { $('#s2_contractors_names').val(data.contractors_names).trigger('input'); }
            if (data.existing_merchant_ids && data.existing_merchant_ids.length) {
                $('input[name="has_existing_merchant_id"][value="1"]').prop('checked', true).trigger('change');
                $('#s2_merchant_id').val(data.existing_merchant_ids[0] || '');
                $('#additionalMerchantIds').empty();
                data.existing_merchant_ids.slice(1).forEach(function (mid) {
                    $('#btnAddMerchantId').trigger('click');
                    $('#additionalMerchantIds .extra-merchant-id').last().val(mid);
                });
            }
            if (data.trade_references && data.trade_references.length) {
                $('input[name="has_trade_references"][value="1"]').prop('checked', true).trigger('change');
                var tr = data.trade_references[0] || {};
                if (tr.business_name)  { $('#s2_trade_ref_business_name').val(tr.business_name); }
                if (tr.account_number) { $('#s2_trade_ref_account').val(tr.account_number); }
                if (tr.phone)          { $('#s2_trade_ref_phone').val(tr.phone); }
                if (tr.product_sold)   { $('#s2_trade_ref_product').val(tr.product_sold); }
            }
            if (data.patriot_act_doc_type) {
                $('input[name="patriot_act_doc_type"][value="' + data.patriot_act_doc_type + '"]').prop('checked', true).trigger('change');
            }
            if (data.patriot_state_of_issuance) { $('#s2_patriot_state').val(data.patriot_state_of_issuance).trigger('change'); }
            if (data.patriot_date_of_issuance)  { $('#s2_patriot_date_issuance').val(data.patriot_date_of_issuance); }
            if (data.patriot_expiration_date)   { $('#s2_patriot_expiration_date').val(data.patriot_expiration_date); }
            if (data.patriot_employer_id)       { $('#s2_patriot_employer_id').val(data.patriot_employer_id); }
            if (data.patriot_place_of_issuance) {
                switch (data.patriot_act_doc_type) {
                    case 'TAX_RETURN':                $('#s2_patriot_place_issuance_tax').val(data.patriot_place_of_issuance); break;
                    case 'ARTICLES_OF_INCORPORATION':  $('#s2_patriot_place_issuance_articles').val(data.patriot_place_of_issuance); break;
                    // GOVERNMENT_BUSINESS_LICENSE: place of issuance is the state select, already
                    // restored above via data.patriot_state_of_issuance — nothing to do here.
                }
            }
            if (data.patriot_date_filed) {
                $('#s2_patriot_date_filed_tax, #s2_patriot_date_filed_articles, #s2_patriot_date_filed_financial').val(data.patriot_date_filed);
            }
            if (data.govt_third_party_description) { $('#s2_govt_third_party_description').val(data.govt_third_party_description); }
            if (data.merchant_site_visit != null) {
                $('input[name="merchant_site_visit"][value="' + data.merchant_site_visit + '"]').prop('checked', true).trigger('change');
            }
            ['site_maintains_inventory', 'site_inventory_sufficient', 'site_merchandise_match', 'site_signage_match'].forEach(function (n) {
                if (data[n] != null) { $('input[name="' + n + '"][value="' + data[n] + '"]').prop('checked', true); }
            });
            if (data.site_survey_notes) { $('#s2_site_survey_notes').val(data.site_survey_notes).trigger('input'); }
            // Addresses
            var addrMap = {};
            (data.addresses || []).forEach(function (a) { addrMap[a.address_type] = a; });
            var SAME_AS_DBA_POP = { LEGAL: '#legal_same_as_dba', MAILING: '#mailing_same_as_dba', CHARGEBACK: '#chargeback_same_as_dba' };
            [{ key: 'dba', type: 'DBA' }, { key: 'legal', type: 'LEGAL' }, { key: 'mailing', type: 'MAILING' }, { key: 'chargeback', type: 'CHARGEBACK' }].forEach(function (cfg) {
                var a  = addrMap[cfg.type] || {};
                var $s = $('#addr_' + cfg.key);
                if (!$s.length) return;
                if (cfg.type !== 'DBA') {
                    var cbId = SAME_AS_DBA_POP[cfg.type];
                    if (cbId) {
                        // The checkbox defaults to checked in the static markup (step-2.blade.php)
                        // — it must be explicitly synced both ways here, not only when truthy,
                        // otherwise a genuinely distinct saved address silently leaves the box
                        // checked and the next save re-sends is_same_as_dba:1, discarding this
                        // address on ELAP's side (ElapApiService::buildAddressesPayload() checks
                        // is_same_as_dba first). trigger('change') runs syncSameAsDba(), which also
                        // shows/hides the address row so it's visible before fields are populated.
                        $(cbId).prop('checked', !!a.is_same_as_dba).trigger('change');
                    }
                    if (a.is_same_as_dba) { return; }
                }
                $s.find('.addr-line1').val(a.address_line1 || '');
                $s.find('.addr-line2').val(a.address_line2 || '');
                $s.find('.zip-autofill').val(a.zip_code || '');
                $s.find('.zip-city').val(a.city || '');
                $s.find('.zip-state').val(a.state || '').trigger('change');
                if (a.country) { $s.find('.addr-country').val(a.country).trigger('change'); }
                if (cfg.type !== 'DBA') {
                    $s.find('.contact-title').val(a.contact_title || '').trigger('change');
                    $s.find('.contact-first').val(a.contact_first_name || '');
                    $s.find('.contact-last').val(a.contact_last_name || '');
                    $s.find('.contact-email').val(a.contact_email || '');
                    $s.find('.contact-phone').val(a.contact_phone || '');
                }
            });
            // Bank accounts — clear, then rebuild using the existing add-row button
            $('#bankAccountsContainer').empty();
            (data.bank_accounts || []).forEach(function (ba) {
                $('#btnAddBankAccount').trigger('click');
                var $row = $('#bankAccountsContainer .bank-account-row').last();
                $row.find('.ba-routing').val(ba.routing_number || '');
                $row.find('.ba-account').val(ba.account_number || '');
                $row.find('.ba-confirm-account').val(ba.account_number || '');
                if (ba.account_type) { $row.find('.ba-type').val(ba.account_type).trigger('change'); }
                if (ba.usage_types && ba.usage_types.length) { $row.find('.ba-usage').val(ba.usage_types).trigger('change'); }
                $row.find('.ba-default').prop('checked', !!ba.is_default);
            });
        }

        if (step === 3) {
            var owners = data.owners || [];
            if (!owners.length) return;
            $('#ownersContainer').empty();
            ownerCount = 0;
            $('#noOwnerMsg').hide();
            owners.forEach(function (owner) {
                ownerCount++;
                var n = ownerCount;
                $('#ownersContainer').append(ownerRowTemplate(n));
                var $row = $('#ownersContainer .owner-row').last();
                // Title select — populate from the real ELAP contact-title codes via the
                // shared populateOwnerTitleSelect() helper, then init Select2.
                var $titleSel = $row.find('.ow-title');
                $titleSel.select2({ width: '100%', minimumResultsForSearch: Infinity });
                populateOwnerTitleSelect($titleSel, function () {
                    if (owner.contact_title) { $titleSel.val(owner.contact_title).trigger('change'); }
                });
                $row.find('.input-mask').inputmask();
                $row.find('.ow-first').val(owner.first_name || '');
                $row.find('.ow-last').val(owner.last_name || '');
                var ph2 = splitStoredPhone(owner.phone);
                if (ph2.cc) { $row.find('.ow-phone-cc').val(ph2.cc); }
                $row.find('.ow-phone').val(ph2.number);
                $row.find('.ow-email').val(owner.email || '');
                $row.find('.ow-ssn').val(owner.ssn || '');
                $row.find('.ow-passport').val(owner.passport_number || '');
                $row.find('.ow-pct').val(owner.ownership_percent || '');
                $row.find('.ow-dob').val(owner.date_of_birth || '');
                var $ownCountry2 = $row.find('.ow-country');
                $ownCountry2.select2({ width: '100%' });
                loadSelect($ownCountry2, 'country', {}, '— Select Country —').done(function () {
                    $ownCountry2.val(owner.country || 'US').trigger('change');
                });
                $row.find('.ow-street-number').val(owner.street_number || '');
                $row.find('.ow-street-name').val(owner.street_name || '');
                $row.find('.ow-street-direction').val(owner.street_direction || '');
                $row.find('.ow-street-type').val(owner.street_type || '');
                $row.find('.ow-unit-suite').val(owner.unit_suite || '');
                $row.find('.ow-city').val(owner.city || '');
                $row.find('.ow-state').val(owner.state || '').trigger('change');
                $row.find('.ow-zip').val(owner.zip_code || '');
                // Passport / foreign-address fields (non-US owners)
                $row.find('.ow-address-line1').val(owner.address_line1 || '');
                $row.find('.ow-address-line2').val(owner.address_line2 || '');
                $row.find('.ow-foreign-state').val(owner.state || '');
                $row.find('.ow-us-citizen').prop('checked', !!owner.is_us_citizen);
                $row.find('.ow-app-signer').prop('checked', !!owner.is_app_signer);
                $row.find('.ow-personal-guarantor').prop('checked', !!owner.is_personal_guarantor);
                $row.find('.ow-beneficial-owner').prop('checked', !!owner.is_beneficial_owner);
                $row.find('.ow-individual-control').prop('checked', !!owner.is_individual_control);
                applySoleProprietorLock($row);
                syncOwnerCitizenship($row);
            });
            $('#noOwnerMsg').hide();
        }

        if (step === 4) {
            var ct = data.card_types || {};
            $('#ct_amex').prop('checked', !!ct.amex_requested).trigger('change');
            $('#ct_debit').prop('checked', !!ct.debit_requested);
            $('#ct_ebt').prop('checked', !!ct.ebt_requested).trigger('change');
            $('#ct_debit_cashback').prop('checked', !!ct.debit_cash_back_requested);
            $('#ct_amex_mktg').prop('checked', !!ct.amex_marketing_materials);
            if (ct.ebt_service)             { $('#ct_ebt_service').val(ct.ebt_service).trigger('change'); }
            if (ct.ebt_fns_fcs_number)      { $('#ct_ebt_fns').val(ct.ebt_fns_fcs_number); }
            if (ct.amex_annual_volume_limit) { $('#ct_amex_limit').val(ct.amex_annual_volume_limit); }
            var ao = data.add_ons || {};
            $('#ao_unsupported_pos_monthly_fee').val(ao.unsupported_pos_monthly_fee || '');
            $('#ao_unsupported_pos_setup_fee').val(ao.unsupported_pos_setup_fee || '');
            $('#ao_data_protection_per_item_fee').val(ao.data_protection_per_item_fee || '');
            $('#ao_p2pe_per_item_fee').val(ao.p2pe_per_item_fee || '');
            if (ao.merchant_trained_by)    { $('#ta_merchant_trained_by').val(ao.merchant_trained_by).trigger('change'); }
            if (ao.welcome_kit_emailed_to) { $('#ta_welcome_kit_emailed_to').val(ao.welcome_kit_emailed_to).trigger('change'); }
            if (ao.equipment_shipped_to)   { $('#ta_equipment_shipped_to').val(ao.equipment_shipped_to).trigger('change'); }
            // Restore product cards
            var prods = data.products || [];
            if (prods.length) {
                $('#productsContainer').empty();
                var typeLabels = { integrated: 'Integrated', standalone: 'Standalone', webpass: 'WebPass', genius: 'Genius' };
                prods.forEach(function (prod) {
                    var type    = prod.type || (prod.product_type || '').toLowerCase().replace('genius_countertop', 'genius');
                    var label   = typeLabels[type] || prod.product_type || type;
                    var summary = [prod.brand, prod.model].filter(Boolean).join(' / ') || prod.product_type || '';
                    if (typeof window.buildProductCard === 'function') {
                        $('#productsContainer').append(window.buildProductCard(type, label, summary, prod));
                    }
                });
            }
        }

        if (step === 5) {
            if (data.processing_type) { $('#s5_processing_type').val(data.processing_type).trigger('change'); }
            if (data.pricing_plan)    { $('#s5_pricing_plan').val(data.pricing_plan).trigger('change'); }
            if (data.plan_options)    { $('#s5_plan_options').val(data.plan_options).trigger('change'); }
            $('#s5_all_card_rate').val(data.all_card_rate || '');
            $('#s5_per_item_fee').val(data.per_item_fee || '');
            $('#s5_mid_qual_pct').val(data.mid_qual_percent || '');
            $('#s5_mid_qual_item').val(data.mid_qual_per_item || '');
            $('#s5_non_qual_pct').val(data.non_qual_percent || '');
            $('#s5_non_qual_item').val(data.non_qual_per_item || '');
            $('#s5_auth_all_card').val(data.auth_fee_all_card || '');
            $('#s5_auth_batch_close').val(data.auth_fee_batch_close || '');
            $('#s5_auth_voice').val(data.auth_fee_voice || '');
            $('#s5_auth_aru').val(data.auth_fee_aru || '');
            $('#s5_auth_amex').val(data.auth_fee_amex || '');
            $('#s5_pin_debit_per_item_fee').val(data.pin_debit_per_item_fee || '');
            $('#s5_pin_debit_rate_percent').val(data.pin_debit_rate_percent || '');
            $('#s5_pin_debit_monthly_fee').val(data.pin_debit_monthly_fee || '');
            $('#s5_pin_debit_application_fee').val(data.pin_debit_application_fee || '');
            $('#s5_pin_debit_ebt_per_item_fee').val(data.pin_debit_ebt_per_item_fee || '');
            $('#s5_paper_stmt_fee').val(data.paper_statement_fee || '');
            $('#s5_breach_fee').val(data.breach_security_fee || '');
            $('#s5_monthly_service').val(data.monthly_service_fee || '');
            $('#s5_monthly_minimum').val(data.monthly_minimum || '');
            $('#s5_ach_change_fee').val(data.ach_change_fee || '');
            $('#s5_annual_fee').val(data.annual_fee || '');
            $('#s5_app_setup_fee').val(data.application_setup_fee || '');
            $('#s5_chargeback_fee').val(data.chargeback_fee || '');
            $('#s5_retrieval_fee').val(data.retrieval_fee || '');
            $('#s5_early_term_fee').val(data.early_termination_fee || '');
            $('#s5_apply_early_term').prop('checked', !!data.apply_early_termination);
            $('input[name="include_daily_discount"][value="' + (data.include_daily_discount ? '1' : '0') + '"]').prop('checked', true);
            $('input[name="same_day_ach"][value="' + (data.same_day_ach ? '1' : '0') + '"]').prop('checked', true);
        }
        // Step 6: loadDocumentList() handles documents; send_for_esign always defaults to "No"
    }

    // ── Show / hide toggle for all password fields (SSN, Passport, Tax ID)
    $(document).on('click', '.btn-toggle-pass', function () {
        var $input = $(this).closest('.input-group').find('input');
        var $icon  = $(this).find('i');
        if ($input.attr('type') === 'password') {
            $input.attr('type', 'text');
            $icon.removeClass('bx-hide').addClass('bx-show');
        } else {
            $input.attr('type', 'password');
            $icon.removeClass('bx-show').addClass('bx-hide');
        }
    });

    // ── Document type labels
    // ELAP's own document-type vocabulary (see #docTypeSelect above — confirmed from the ELAP
    // CERT Postman collection's invalid-docType negative test, no OTHER value). Any older
    // document saved under the previous local-only 5-value guess (e.g. "Processing Statement")
    // isn't in this map — the `|| doc.document_type` fallback where this is used just displays
    // its raw stored value, so old rows keep working fine.
    var DOC_TYPE_LABELS = {
        'SMA':   'Merchant Agreement (SMA)',
        'FS':    'Financial Statement (FS)',
        'BL':    'Bank Letter (BL)',
        'SS':    'Site Survey (SS)',
        'PB':    'Photo of Business (PB)',
        'BR':    'Business Registration/License (BR)',
        'PS':    'Processing Statement (PS)',
        'MM':    'Merchant Statement (MM)',
        'FD':    'Formation Document (FD)',
        'Tax':   'Tax Document (Tax)',
        'NP':    'Non-Profit Documentation (NP)',
        'ACH':   'ACH Authorization Form (ACH)',
        'PC':    'Photo/Copy of ID (PC)',
        'CH':    'Voided Check (CH)',
        'VITL':  'Vital Document (VITL)',
    };

    function formatFileSize(bytes) {
        if (bytes < 1024)        return bytes + ' B';
        if (bytes < 1048576)     return (bytes / 1024).toFixed(1) + ' KB';
        return (bytes / 1048576).toFixed(1) + ' MB';
    }

    function renderDocumentList(docs) {
        var $list  = $('#docList');
        var $empty = $('#docListEmpty');

        if (!docs || docs.length === 0) {
            $list.addClass('d-none');
            $empty.removeClass('d-none');
            return;
        }

        $empty.addClass('d-none');

        var tbodyHtml = '';
        $.each(docs, function (i, doc) {
            var typeLabel = DOC_TYPE_LABELS[doc.document_type] || doc.document_type;
            var d = new Date(doc.created_at);
            var dateStr = d.toLocaleDateString('en-US', {month:'short', day:'numeric', year:'numeric'});
            tbodyHtml += '<tr>' +
                '<td><i class="bx bx-file me-1 text-muted"></i>' + escapeHtml(doc.original_filename) + '</td>' +
                '<td><span class="badge bg-secondary">' + escapeHtml(typeLabel) + '</span></td>' +
                '<td>' + escapeHtml(formatFileSize(doc.file_size)) + '</td>' +
                '<td>' + escapeHtml(dateStr) + '</td>' +
                '<td><button type="button" class="action-btn btn-delete-doc" data-doc-id="' + doc.id + '" title="Delete"><i class="bx bx-trash"></i></button></td>' +
                '</tr>';
        });

        // Replace only tbody rows; keep the table structure intact
        var $table = $list.find('table');
        if ($table.length === 0) {
            $list.html(
                '<div class="table-responsive"><table class="table table-sm custom-table mb-0">' +
                '<thead><tr><th>File</th><th>Type</th><th>Size</th><th>Uploaded</th><th></th></tr></thead>' +
                '<tbody>' + tbodyHtml + '</tbody></table></div>'
            );
        } else {
            $list.find('tbody').html(tbodyHtml);
        }

        $list.removeClass('d-none');
    }

    function loadDocumentList() {
        if (!APPLICATION_ID) return;
        $.get(DOC_LIST_URL_TPL.replace('__APPID__', APPLICATION_ID), function (res) {
            if (res.success) {
                CURRENT_DOCUMENTS = res.documents || [];
                renderDocumentList(res.documents);
            }
        });
    }

    // ── Attach Document button → open modal
    $('#btnAttachDocument').on('click', function () {
        if (!APPLICATION_ID) {
            showAlert('warning', 'Please save Step 1 first to create the application before uploading documents.');
            return;
        }
        $('#docTypeSelect').val('');
        $('#docFileInput').val('');
        $('#docUploadAlert').addClass('d-none').text('');
        $('#docUploadProgress').addClass('d-none');
        $('#btnUploadDocumentConfirm').prop('disabled', false);
        var modal = new bootstrap.Modal(document.getElementById('modalAttachDocument'));
        modal.show();
    });

    // ── Modal upload submit
    $('#btnUploadDocumentConfirm').on('click', function () {
        var docType = $('#docTypeSelect').val();
        var fileInput = document.getElementById('docFileInput');
        var $alert = $('#docUploadAlert');

        $alert.addClass('d-none').text('');

        if (!docType) {
            $alert.removeClass('d-none alert-success').addClass('alert-danger').text('Please select a document type.');
            return;
        }
        if (!fileInput.files || fileInput.files.length === 0) {
            $alert.removeClass('d-none alert-success').addClass('alert-danger').text('Please select a file to upload.');
            return;
        }

        var formData = new FormData();
        formData.append('document_type', docType);
        formData.append('file', fileInput.files[0]);
        formData.append('_token', _token);

        $('#btnUploadDocumentConfirm').prop('disabled', true);
        $('#docUploadProgress').removeClass('d-none');

        $.ajax({
            url: DOC_UPLOAD_URL_TPL.replace('__APPID__', APPLICATION_ID),
            method: 'POST',
            data: formData,
            processData: false,
            contentType: false,
            headers: { 'X-CSRF-TOKEN': _token },
            success: function (res) {
                if (res.success) {
                    bootstrap.Modal.getInstance(document.getElementById('modalAttachDocument')).hide();
                    loadDocumentList();
                    // Local upload always succeeded (that's what "success: true" reflects) —
                    // an ELAP-side sync issue is shown as a non-blocking banner, same pattern
                    // as every other step, never as a reason to treat the upload as failed.
                    if (res.elap_errors && res.elap_errors.length) { showElapErrors(res.elap_errors); }
                } else {
                    $alert.removeClass('d-none alert-success').addClass('alert-danger').text(res.message || 'Upload failed.');
                }
            },
            error: function (xhr) {
                var res = xhr.responseJSON || {};
                var msg = 'Upload failed. Please try again.';
                if (xhr.status === 422 && res.errors) {
                    var msgs = [];
                    $.each(res.errors, function (k, v) { msgs.push(v.join(' ')); });
                    msg = msgs.join(' ');
                } else if (res.message) {
                    msg = res.message;
                }
                $alert.removeClass('d-none alert-success').addClass('alert-danger').text(msg);
            },
            complete: function () {
                $('#btnUploadDocumentConfirm').prop('disabled', false);
                $('#docUploadProgress').addClass('d-none');
            },
        });
    });

    // ── Delete document
    $(document).on('click', '.btn-delete-doc', function () {
        var docId = $(this).data('doc-id');
        if (!confirm('Delete this document? This cannot be undone.')) return;
        var $btn = $(this).prop('disabled', true);
        $.ajax({
            url: DOC_DELETE_URL_TPL.replace('__APPID__', APPLICATION_ID).replace('__DOCID__', docId),
            method: 'DELETE',
            headers: { 'X-CSRF-TOKEN': _token },
            success: function (res) {
                if (res.success) {
                    loadDocumentList();
                    if (res.elap_errors && res.elap_errors.length) { showElapErrors(res.elap_errors); }
                }
            },
            error: function () {
                $btn.prop('disabled', false);
                alert('Delete failed. Please try again.');
            },
        });
    });

    // ── Init
    refreshSidebarSteps(COMPLETED, CURRENT_STEP);
    MASTER_DATA_LOADED[CURRENT_STEP] = true;
    var initMasterDataPromises = loadMasterDataForStep(CURRENT_STEP) || [];
    MASTER_DATA_PROMISES[CURRENT_STEP] = initMasterDataPromises;
    setSaveButtonLoading(CURRENT_STEP, initMasterDataPromises.length > 0);
    $.when.apply($, initMasterDataPromises).always(function () {
        setSaveButtonLoading(CURRENT_STEP, false);
    });
    $('.input-mask').inputmask();
    if (CURRENT_STEP === 6 && APPLICATION_ID) { loadDocumentList(); }
    // Edit mode: populate the initial step once its master-data selects have loaded
    if (APPLICATION_ID && STEP_DATA[CURRENT_STEP]) {
        POPULATED_STEPS[CURRENT_STEP] = true;
        $.when.apply($, initMasterDataPromises).always(function () {
            populateStep(CURRENT_STEP, STEP_DATA[CURRENT_STEP]);
        });
    }
})();
</script>
<script src="{{ asset('assets/js/turbo-app-create.js') }}?v={{ time() }}"></script>
<script src="{{ asset('assets/js/turbo-app-address-autofill.js') }}?v={{ time() }}"></script>
@endpush