Add FCC Carrier/ISP Registration: migration + order page

Phase 1-2 of the new registration product: - Migration 075: fcc_carrier_registrations table with full pipeline status, service wizard answers, entity choice, pricing, idempotency tracking - Order page with 5-step wizard: 1. Service wizard (voice/broadband/wholesale + delivery method + infra needs) 2. Registration checklist (auto-determined + add-ons with dynamic pricing) 3. Entity choice (existing FRN search OR new formation with nexus guidance) 4. Contact & officer info 5. Review & payment with engagement clickwrap Still needed: API endpoint, checkout integration, worker pipeline handler. Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>
2026-04-29 08:39:03 -05:00 · 2026-04-29 08:39:03 -05:00 · 2312edf5df
commit 2312edf5df
parent 94ce14dc17
2 changed files with 882 additions and 0 deletions
--- a/api/migrations/075_fcc_carrier_registration.sql
+++ b/api/migrations/075_fcc_carrier_registration.sql
@ -0,0 +1,128 @@
+-- 075_fcc_carrier_registration.sql
+--
+-- FCC Carrier / ISP Registration — dedicated order table with
+-- CRTC-style multi-step pipeline. Supports optional formation,
+-- CORES/FRN, Form 499, state PUC, and compliance filings.
+
+BEGIN;
+
+CREATE TABLE IF NOT EXISTS fcc_carrier_registrations (
+    id                      BIGSERIAL PRIMARY KEY,
+    order_number            TEXT NOT NULL UNIQUE,    -- FCR-YYYY-XXXXX
+
+    -- Customer
+    customer_email          TEXT NOT NULL,
+    customer_name           TEXT NOT NULL,
+    customer_phone          TEXT,
+
+    -- Entity choice
+    entity_source           TEXT NOT NULL CHECK (entity_source IN ('existing', 'new_formation')),
+    telecom_entity_id       INTEGER,
+    formation_order_number  TEXT,
+
+    -- Entity info (populated from either source)
+    entity_legal_name       TEXT,
+    entity_type             TEXT,
+    formation_state         CHAR(2),
+    ein                     TEXT,
+    frn                     TEXT,
+    filer_id_499            TEXT,
+
+    -- Contact / Officer
+    contact_name            TEXT,
+    contact_email           TEXT,
+    contact_phone           TEXT,
+    contact_title           TEXT,
+    address_street          TEXT,
+    address_city            TEXT,
+    address_state           CHAR(2),
+    address_zip             TEXT,
+
+    -- Service wizard answers (JSONB for flexibility)
+    service_wizard          JSONB NOT NULL DEFAULT '{}'::jsonb,
+    -- e.g. { service_types: ["voice","broadband"], voice_delivery: "reseller",
+    --        needs_lcr: true, broadband_type: "facilities_based", operating_states: 5 }
+
+    -- Service configuration (derived from wizard + confirmation)
+    include_formation       BOOLEAN NOT NULL DEFAULT FALSE,
+    include_dc_agent        BOOLEAN NOT NULL DEFAULT TRUE,
+    include_rmd             BOOLEAN NOT NULL DEFAULT FALSE,
+    include_cpni            BOOLEAN NOT NULL DEFAULT FALSE,
+    include_calea           BOOLEAN NOT NULL DEFAULT FALSE,
+    include_bdc             BOOLEAN NOT NULL DEFAULT FALSE,
+    include_stir_shaken     BOOLEAN NOT NULL DEFAULT FALSE,
+    include_ocn             BOOLEAN NOT NULL DEFAULT FALSE,
+    state_puc_states        TEXT[] DEFAULT '{}',
+
+    -- Pipeline status
+    status TEXT NOT NULL DEFAULT 'received' CHECK (status IN (
+        'received',
+        'awaiting_formation',
+        'formation_complete',
+        'cores_registration',
+        'form_499_initial',
+        'state_registrations',
+        'compliance_filings',
+        'review',
+        'delivered',
+        'cancelled'
+    )),
+
+    -- Pricing (cents)
+    service_fee_cents       INTEGER NOT NULL DEFAULT 129900,
+    formation_fee_cents     INTEGER NOT NULL DEFAULT 0,
+    state_fee_cents         INTEGER NOT NULL DEFAULT 0,
+    puc_fee_cents           INTEGER NOT NULL DEFAULT 0,
+    addon_fee_cents         INTEGER NOT NULL DEFAULT 0,
+    discount_cents          INTEGER NOT NULL DEFAULT 0,
+    discount_code           TEXT,
+
+    -- Payment
+    payment_status          TEXT NOT NULL DEFAULT 'pending_payment'
+        CHECK (payment_status IN ('pending_payment','paid','refunded','cancelled')),
+    payment_method          TEXT,
+    stripe_session_id       TEXT,
+    paid_at                 TIMESTAMPTZ,
+
+    -- ERPNext
+    erpnext_sales_order     TEXT,
+
+    -- Pipeline tracking (idempotency timestamps)
+    formation_completed_at  TIMESTAMPTZ,
+    cores_completed_at      TIMESTAMPTZ,
+    frn_obtained            TEXT,
+    form_499_completed_at   TIMESTAMPTZ,
+    filer_id_obtained       TEXT,
+    dc_agent_completed_at   TIMESTAMPTZ,
+    state_puc_completed_at  TIMESTAMPTZ,
+    rmd_completed_at        TIMESTAMPTZ,
+    cpni_completed_at       TIMESTAMPTZ,
+    calea_completed_at      TIMESTAMPTZ,
+    bdc_completed_at        TIMESTAMPTZ,
+    stir_shaken_completed_at TIMESTAMPTZ,
+    ocn_completed_at        TIMESTAMPTZ,
+
+    -- Engagement
+    engagement_accepted_at  TIMESTAMPTZ,
+    engagement_accepted_ip  TEXT,
+
+    -- Timestamps
+    created_at              TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    updated_at              TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_fcr_customer_email ON fcc_carrier_registrations(customer_email);
+CREATE INDEX IF NOT EXISTS idx_fcr_status ON fcc_carrier_registrations(status) WHERE status NOT IN ('delivered','cancelled');
+CREATE INDEX IF NOT EXISTS idx_fcr_formation ON fcc_carrier_registrations(formation_order_number) WHERE formation_order_number IS NOT NULL;
+
+-- Updated_at trigger
+CREATE OR REPLACE FUNCTION set_updated_at_fcr() RETURNS trigger AS $$
+BEGIN NEW.updated_at = NOW(); RETURN NEW; END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS trg_fcr_updated_at ON fcc_carrier_registrations;
+CREATE TRIGGER trg_fcr_updated_at
+  BEFORE UPDATE ON fcc_carrier_registrations
+  FOR EACH ROW EXECUTE FUNCTION set_updated_at_fcr();
+
+COMMIT;
--- a/site/public/order/fcc-carrier-registration/index.html
+++ b/site/public/order/fcc-carrier-registration/index.html
@ -0,0 +1,754 @@
+<!DOCTYPE html>
+<html lang="en">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<meta name="description" content="Register your telecom carrier or ISP with the FCC — CORES/FRN, Form 499, state PUC, RMD, CPNI, CALEA. Optional business formation included.">
+<link rel="icon" type="image/svg+xml" href="/favicon.svg">
+<title>FCC Carrier / ISP Registration — Performance West Inc.</title>
+<script>
+window.__PW_API = (function() {
+  var h = window.location.hostname;
+  if (h === "localhost" || h === "127.0.0.1") return "http://" + h + ":3001";
+  if (h === "dev.performancewest.net") return "https://api.dev.performancewest.net";
+  return "https://api.performancewest.net";
+})();
+</script>
+<link rel="preconnect" href="https://fonts.googleapis.com">
+<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
+<link href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap" rel="stylesheet">
+<style>
+*{box-sizing:border-box;margin:0;padding:0}
+body{font-family:'Inter',system-ui,sans-serif;color:#1f2937;background:#f9fafb;line-height:1.6}
+a{color:#1e3a5f;text-decoration:none}
+.wrap{max-width:740px;margin:0 auto;padding:2rem 1.25rem 4rem}
+h1{font-size:1.65rem;font-weight:700;color:#111827;margin-bottom:.25rem}
+.subtitle{font-size:.9rem;color:#6b7280;margin-bottom:1.5rem}
+.card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:1.25rem;margin-bottom:1rem}
+.card h2{font-size:1.05rem;font-weight:700;color:#1e3a5f;margin-bottom:.75rem}
+.label{display:block;font-size:.82rem;font-weight:600;color:#374151;margin-bottom:.3rem;margin-top:.6rem}
+select,input[type=text],input[type=email],input[type=tel],input[type=number]{width:100%;padding:.5rem .7rem;border:1px solid #d1d5db;border-radius:8px;font-size:.88rem;background:#fff}
+select:focus,input:focus{outline:none;border-color:#1e3a5f;box-shadow:0 0 0 2px rgba(30,58,95,.15)}
+.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;padding:.65rem 1.5rem;border-radius:8px;font-weight:600;font-size:.92rem;cursor:pointer;border:none;transition:all .15s;font-family:inherit}
+.btn-primary{background:#1e3a5f;color:#fff}.btn-primary:hover{background:#162e4d}
+.btn-primary:disabled{opacity:.5;cursor:not-allowed}
+.btn-back{background:#e5e7eb;color:#374151}
+.hidden{display:none}
+.step-dots{display:flex;gap:.75rem;margin-bottom:1.5rem}
+.step-dot{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:700;background:#e5e7eb;color:#6b7280}
+.step-dot.active{background:#1e3a5f;color:#fff}
+.step-dot.done{background:#22c55e;color:#fff}
+.q-card{padding:.65rem .85rem;border:1.5px solid #d1d5db;border-radius:8px;background:#fff;cursor:pointer;transition:all .15s;text-align:left;font-family:inherit;font-size:.88rem;color:#374151;width:100%;display:block;margin-bottom:.4rem}
+.q-card:hover{border-color:#1e3a5f;background:#f0f4f8}
+.q-card.selected{border-color:#1e3a5f;background:#eff6ff;color:#1e3a5f;font-weight:600}
+.q-card.selected::before{content:"\2713  "}
+.q-label{font-weight:600;color:#1f2937;font-size:.95rem;margin-bottom:.3rem}
+.q-hint{font-size:.82rem;color:#6b7280;margin-bottom:.6rem}
+.info-box{padding:.6rem .85rem;background:#eff6ff;border:1px solid #bfdbfe;border-radius:8px;font-size:.82rem;color:#1e40af;margin:.75rem 0}
+.warn-box{padding:.6rem .85rem;background:#fef3c7;border:1px solid #fbbf24;border-radius:8px;font-size:.82rem;color:#92400e;margin:.75rem 0}
+.svc-row{display:flex;align-items:center;gap:.6rem;padding:.5rem .7rem;border:1px solid #e5e7eb;border-radius:8px;margin-bottom:.35rem;font-size:.85rem}
+.svc-row input{accent-color:#1e3a5f;width:16px;height:16px;flex-shrink:0}
+.svc-row .svc-name{flex:1;font-weight:600}
+.svc-row .svc-price{color:#059669;font-weight:600;white-space:nowrap}
+.svc-row .svc-inc{color:#9ca3af;font-size:.78rem}
+.svc-row.disabled{opacity:.5}
+.price-box{background:#f0f4f8;border:2px solid #1e3a5f;border-radius:10px;padding:1rem;text-align:center;margin:1rem 0}
+.price-box .price{font-size:1.6rem;font-weight:800;color:#1e3a5f}
+.price-box .price-detail{font-size:.78rem;color:#6b7280}
+.entity-toggle{display:flex;gap:.5rem;margin-bottom:.75rem}
+.entity-toggle button{flex:1;padding:.6rem;border:2px solid #d1d5db;border-radius:8px;background:#fff;cursor:pointer;font-weight:600;font-size:.88rem;font-family:inherit;color:#374151;transition:all .15s}
+.entity-toggle button.active{border-color:#1e3a5f;background:#eff6ff;color:#1e3a5f}
+.recommend-box{padding:.75rem;background:#f0fdf4;border:2px solid #22c55e;border-radius:8px;margin:.75rem 0;font-size:.85rem}
+.recommend-box strong{color:#166534}
+.err{color:#dc2626;font-size:.82rem;margin-top:.5rem;display:none}
+</style>
+</head>
+<body>
+<div class="wrap">
+  <h1>FCC Carrier / ISP Registration</h1>
+  <p class="subtitle">Start your telecom carrier or ISP from scratch. We handle all federal and state registrations based on the services you plan to offer.</p>
+
+  <div class="step-dots">
+    <div class="step-dot active" id="dot-1">1</div>
+    <div class="step-dot" id="dot-2">2</div>
+    <div class="step-dot" id="dot-3">3</div>
+    <div class="step-dot" id="dot-4">4</div>
+    <div class="step-dot" id="dot-5">5</div>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <!-- STEP 1: Service Wizard -->
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <div id="step-1" class="card">
+    <h2>What services will you offer?</h2>
+    <p class="q-hint">Tell us what you plan to do and we'll determine exactly which registrations you need.</p>
+
+    <!-- Q1: Service types -->
+    <div id="q1">
+      <p class="q-label">What type of service will you offer?</p>
+      <p class="q-hint">Select all that apply.</p>
+      <label class="svc-row"><input type="checkbox" data-svc="voice"> <span class="svc-name">Voice / phone service</span> <span class="svc-inc">VoIP, CLEC, or traditional</span></label>
+      <label class="svc-row"><input type="checkbox" data-svc="broadband"> <span class="svc-name">Broadband internet service</span> <span class="svc-inc">Retail or wholesale ISP</span></label>
+      <label class="svc-row"><input type="checkbox" data-svc="wholesale"> <span class="svc-name">Wholesale only</span> <span class="svc-inc">Sell to other carriers, not end users</span></label>
+    </div>
+
+    <!-- Q2: Voice delivery (shown if voice selected) -->
+    <div id="q2" class="hidden" style="margin-top:1rem">
+      <p class="q-label">How will you deliver voice service?</p>
+      <button type="button" class="q-card" data-voice="reseller">I'll resell service from a provider like Bandwidth, Telnyx, Twilio, or a UCaaS platform</button>
+      <button type="button" class="q-card" data-voice="own_switch">I'll run my own switching equipment (softswitch, SBC, PBX) and buy wholesale trunks</button>
+      <button type="button" class="q-card" data-voice="ucaas">I'll offer a hosted/UCaaS platform and interconnect directly with carriers</button>
+      <button type="button" class="q-card" data-voice="unsure">Not sure yet — I'm still planning</button>
+    </div>
+
+    <!-- Q3: Infrastructure needs (shown if own_switch or ucaas) -->
+    <div id="q3" class="hidden" style="margin-top:1rem">
+      <p class="q-label">Will you need any of these?</p>
+      <p class="q-hint">Check all that apply. These determine whether you need your own OCN and STIR/SHAKEN certificate.</p>
+      <label class="svc-row"><input type="checkbox" data-infra="lcr"> <span class="svc-name">Least-cost routing (LCR)</span> <span class="svc-inc">Route across multiple wholesale providers</span></label>
+      <label class="svc-row"><input type="checkbox" data-infra="own_dids"> <span class="svc-name">Your own phone numbers (DID blocks)</span> <span class="svc-inc">From number providers like Bandwidth, Inteliquent</span></label>
+      <label class="svc-row"><input type="checkbox" data-infra="interconnect"> <span class="svc-name">Direct carrier interconnection</span> <span class="svc-inc">SIP trunking you sell to other carriers</span></label>
+      <label class="svc-row"><input type="checkbox" data-infra="stir_sign"> <span class="svc-name">Sign outbound calls with your own identity</span> <span class="svc-inc">STIR/SHAKEN certificate for call authentication</span></label>
+      <div id="ocn-explain" class="info-box hidden">
+        <strong>Why do wholesale voice vendors require an OCN?</strong><br>
+        An Operating Company Number identifies your company in the telecom numbering system. Major voice providers like Bandwidth, Telnyx, Lumen, and Peerless require it to open a wholesale account, port numbers, and assign DID blocks. Without an OCN, you're limited to reseller-tier access.
+      </div>
+    </div>
+
+    <!-- Q4: Broadband type (shown if broadband selected) -->
+    <div id="q4" class="hidden" style="margin-top:1rem">
+      <p class="q-label">How will you provide internet service?</p>
+      <button type="button" class="q-card" data-bb="reseller">I resell another provider's internet (white-label fiber, cable resale)</button>
+      <button type="button" class="q-card" data-bb="facilities">I own or lease network infrastructure (fiber, fixed wireless, towers)</button>
+      <button type="button" class="q-card" data-bb="cloud">I provide cloud services only (SaaS, hosting) — no last-mile internet</button>
+      <div id="cloud-warn" class="warn-box hidden">
+        Based on your description, you may not need FCC carrier registration. Cloud and SaaS services are generally not regulated as telecommunications. <a href="/contact" style="font-weight:600;text-decoration:underline">Contact us for a free assessment.</a>
+      </div>
+    </div>
+
+    <!-- Q5: Operating states -->
+    <div id="q5" class="hidden" style="margin-top:1rem">
+      <p class="q-label">Where will you operate?</p>
+      <button type="button" class="q-card" data-states="1">Just one state</button>
+      <button type="button" class="q-card" data-states="few">2–5 states</button>
+      <button type="button" class="q-card" data-states="nationwide">Nationwide</button>
+    </div>
+
+    <div style="margin-top:1rem;text-align:right">
+      <button class="btn btn-primary" id="btn-next-1">See What You Need &rarr;</button>
+    </div>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <!-- STEP 2: Registration Checklist -->
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <div id="step-2" class="card hidden">
+    <h2>Your Registration Package</h2>
+    <p class="q-hint">Based on your answers, here's what you need. You can add or remove services.</p>
+
+    <p style="font-size:.78rem;font-weight:600;color:#059669;text-transform:uppercase;margin-bottom:.5rem">Included in base price ($1,299)</p>
+    <div id="base-services"></div>
+
+    <p style="font-size:.78rem;font-weight:600;color:#6b7280;text-transform:uppercase;margin:.75rem 0 .5rem">Determined by your service type</p>
+    <div id="wizard-services"></div>
+
+    <p style="font-size:.78rem;font-weight:600;color:#d97706;text-transform:uppercase;margin:.75rem 0 .5rem">Optional add-ons</p>
+    <div id="addon-services"></div>
+
+    <div class="price-box">
+      <div class="price" id="total-price">$1,299</div>
+      <div class="price-detail" id="price-detail">Base registration package</div>
+    </div>
+
+    <div style="display:flex;gap:.5rem;justify-content:flex-end">
+      <button class="btn btn-back" id="btn-back-2">&larr; Back</button>
+      <button class="btn btn-primary" id="btn-next-2">Choose Entity &rarr;</button>
+    </div>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <!-- STEP 3: Entity Choice -->
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <div id="step-3" class="card hidden">
+    <h2>Your Business Entity</h2>
+    <p class="q-hint">We'll file registrations under this entity. You can use an existing one or we'll form a new one.</p>
+
+    <div class="entity-toggle">
+      <button type="button" id="entity-existing" class="active">Use Existing Entity</button>
+      <button type="button" id="entity-new">Form a New Entity</button>
+    </div>
+
+    <!-- Existing entity search -->
+    <div id="entity-existing-form">
+      <label class="label">Search by FRN or company name</label>
+      <input type="text" id="entity-search" placeholder="e.g. 0012345678 or Acme Telecom LLC">
+      <div id="entity-search-results" style="margin-top:.5rem"></div>
+
+      <div id="entity-details" class="hidden" style="margin-top:.75rem;padding:.75rem;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px">
+        <label class="label">Legal Name</label>
+        <input type="text" id="ex-legal-name">
+        <label class="label">EIN / TIN</label>
+        <input type="text" id="ex-ein" placeholder="12-3456789 or 123-45-6789">
+        <label class="label">State of Formation</label>
+        <input type="text" id="ex-formation-state" maxlength="2" placeholder="WY">
+      </div>
+    </div>
+
+    <!-- New formation -->
+    <div id="entity-new-form" class="hidden">
+      <!-- Nexus guidance questions -->
+      <div id="formation-guide">
+        <p class="q-label">Where do you live / primary office?</p>
+        <select id="home-state" style="margin-bottom:.5rem">
+          <option value="">Select state...</option>
+        </select>
+
+        <p class="q-label">Do you have employees or a physical office there?</p>
+        <div style="display:flex;gap:.5rem;margin-bottom:.5rem">
+          <button type="button" class="q-card" data-nexus="yes" style="flex:1">Yes</button>
+          <button type="button" class="q-card" data-nexus="no" style="flex:1">No — remote/virtual</button>
+        </div>
+
+        <div id="size-q" class="hidden">
+          <p class="q-label">Expected first-year size?</p>
+          <button type="button" class="q-card" data-size="small">Small (&lt; $50K, 1-2 people)</button>
+          <button type="button" class="q-card" data-size="medium">Medium ($50K-$500K, small team)</button>
+          <button type="button" class="q-card" data-size="large">Large (&gt; $500K, multiple states)</button>
+        </div>
+
+        <div id="state-recommend" class="recommend-box hidden"></div>
+      </div>
+
+      <label class="label">Formation State</label>
+      <select id="new-formation-state"></select>
+
+      <label class="label">Entity Type</label>
+      <select id="new-entity-type">
+        <option value="llc">LLC (recommended for most carriers)</option>
+        <option value="corporation">Corporation</option>
+      </select>
+
+      <label class="label">Entity Name (leave blank for numbered)</label>
+      <input type="text" id="new-entity-name" placeholder="e.g. Acme Telecom LLC">
+
+      <div id="formation-fee-display" style="margin-top:.5rem;font-size:.85rem;color:#6b7280"></div>
+    </div>
+
+    <div style="margin-top:1rem;display:flex;gap:.5rem;justify-content:flex-end">
+      <button class="btn btn-back" id="btn-back-3">&larr; Back</button>
+      <button class="btn btn-primary" id="btn-next-3">Contact Info &rarr;</button>
+    </div>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <!-- STEP 4: Contact & Officer -->
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <div id="step-4" class="card hidden">
+    <h2>Contact & Officer Information</h2>
+    <p class="q-hint">This information is used on all FCC filings and state registrations.</p>
+
+    <label class="label">Contact Name *</label>
+    <input type="text" id="contact-name">
+    <label class="label">Contact Email *</label>
+    <input type="email" id="contact-email">
+    <label class="label">Contact Phone *</label>
+    <input type="tel" id="contact-phone">
+    <label class="label">Title</label>
+    <input type="text" id="contact-title" value="Chief Executive Officer">
+
+    <label class="label" style="margin-top:1rem">Business Address *</label>
+    <input type="text" id="addr-street" placeholder="Street address">
+    <div style="display:flex;gap:.5rem;margin-top:.3rem">
+      <input type="text" id="addr-city" placeholder="City" style="flex:2">
+      <input type="text" id="addr-state" placeholder="ST" maxlength="2" style="flex:.5">
+      <input type="text" id="addr-zip" placeholder="ZIP" style="flex:1">
+    </div>
+
+    <div style="margin-top:1rem;display:flex;gap:.5rem;justify-content:flex-end">
+      <button class="btn btn-back" id="btn-back-4">&larr; Back</button>
+      <button class="btn btn-primary" id="btn-next-4">Review &rarr;</button>
+    </div>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <!-- STEP 5: Review & Payment -->
+  <!-- ═══════════════════════════════════════════════════════════════ -->
+  <div id="step-5" class="card hidden">
+    <h2>Review & Checkout</h2>
+    <div id="review-content"></div>
+
+    <label style="display:flex;align-items:flex-start;gap:.5rem;padding:.65rem;margin-top:.75rem;border:1px solid #e5e7eb;border-radius:8px;cursor:pointer;font-size:.75rem;color:#6b7280;line-height:1.5">
+      <input type="checkbox" id="engage-check" required style="margin-top:2px;accent-color:#1e3a5f">
+      <span>I authorize Performance West Inc. to prepare and submit regulatory filings on my behalf as described above. I understand Performance West provides compliance consulting services, not legal advice or legal representation. I confirm the information I provide is accurate to the best of my knowledge. <a href="/terms" target="_blank" style="color:#1e3a5f;text-decoration:underline">Terms of Service</a></span>
+    </label>
+
+    <div style="margin-top:.75rem">
+      <label class="label">Payment Method</label>
+      <div style="display:flex;flex-direction:column;gap:.3rem">
+        <label class="svc-row"><input type="radio" name="pay" value="ach" checked> <span class="svc-name">ACH Bank Transfer</span> <span style="color:#059669;font-size:.78rem">No fee</span></label>
+        <label class="svc-row"><input type="radio" name="pay" value="card"> <span class="svc-name">Credit / Debit Card</span> <span style="color:#9ca3af;font-size:.78rem">+3%</span></label>
+        <label class="svc-row"><input type="radio" name="pay" value="paypal"> <span class="svc-name">PayPal</span> <span style="color:#9ca3af;font-size:.78rem">+3%</span></label>
+        <label class="svc-row"><input type="radio" name="pay" value="crypto"> <span class="svc-name">Cryptocurrency</span> <span style="color:#059669;font-size:.78rem">No fee</span></label>
+      </div>
+    </div>
+
+    <div style="margin-top:1rem;display:flex;gap:.5rem;justify-content:flex-end">
+      <button class="btn btn-back" id="btn-back-5">&larr; Back</button>
+      <button class="btn btn-primary" id="btn-pay">Continue to Payment</button>
+    </div>
+    <p class="err" id="checkout-err"></p>
+  </div>
+</div>
+
+<script>
+(function() {
+  var API = window.__PW_API;
+
+  // ── State data ──
+  var STATES = [
+    ['AL','Alabama'],['AK','Alaska'],['AZ','Arizona'],['AR','Arkansas'],['CA','California'],
+    ['CO','Colorado'],['CT','Connecticut'],['DE','Delaware'],['DC','District of Columbia'],['FL','Florida'],
+    ['GA','Georgia'],['HI','Hawaii'],['ID','Idaho'],['IL','Illinois'],['IN','Indiana'],
+    ['IA','Iowa'],['KS','Kansas'],['KY','Kentucky'],['LA','Louisiana'],['ME','Maine'],
+    ['MD','Maryland'],['MA','Massachusetts'],['MI','Michigan'],['MN','Minnesota'],['MS','Mississippi'],
+    ['MO','Missouri'],['MT','Montana'],['NE','Nebraska'],['NV','Nevada'],['NH','New Hampshire'],
+    ['NJ','New Jersey'],['NM','New Mexico'],['NY','New York'],['NC','North Carolina'],['ND','North Dakota'],
+    ['OH','Ohio'],['OK','Oklahoma'],['OR','Oregon'],['PA','Pennsylvania'],['RI','Rhode Island'],
+    ['SC','South Carolina'],['SD','South Dakota'],['TN','Tennessee'],['TX','Texas'],['UT','Utah'],
+    ['VT','Vermont'],['VA','Virginia'],['WA','Washington'],['WV','West Virginia'],['WI','Wisconsin'],['WY','Wyoming']
+  ];
+
+  // Populate state dropdowns
+  ['home-state','new-formation-state'].forEach(function(id) {
+    var sel = document.getElementById(id);
+    STATES.forEach(function(s) {
+      var opt = document.createElement('option');
+      opt.value = s[0]; opt.textContent = s[0] + ' — ' + s[1];
+      sel.appendChild(opt);
+    });
+  });
+
+  // ── Wizard state ──
+  var wizard = {
+    serviceTypes: [], voiceDelivery: '', infraNeeds: [],
+    broadbandType: '', operatingStates: '',
+    // Derived
+    needsRmd: false, needsCpni: false, needsCalea: false, needsBdc: false,
+    needsOcn: false, needsStirShaken: false,
+    // Entity
+    entitySource: 'existing', formationState: '', entityType: 'llc',
+    entityName: '', ein: '', frn: '', legalName: '',
+    // Contact
+    contactName: '', contactEmail: '', contactPhone: '', contactTitle: 'Chief Executive Officer',
+    addrStreet: '', addrCity: '', addrState: '', addrZip: '',
+    // Pricing
+    baseFee: 129900, formationFee: 0, stateFee: 0, pucFee: 0, addonFee: 0,
+  };
+
+  // ── Step navigation ──
+  function showStep(n) {
+    [1,2,3,4,5].forEach(function(i) {
+      document.getElementById('step-' + i).classList.toggle('hidden', i !== n);
+      var dot = document.getElementById('dot-' + i);
+      dot.className = 'step-dot' + (i < n ? ' done' : i === n ? ' active' : '');
+    });
+    document.querySelector('.wrap').scrollIntoView({ behavior: 'smooth', block: 'start' });
+  }
+
+  // ── Q1: Service types ──
+  document.querySelectorAll('[data-svc]').forEach(function(cb) {
+    cb.addEventListener('change', function() {
+      wizard.serviceTypes = Array.from(document.querySelectorAll('[data-svc]:checked')).map(function(c) { return c.dataset.svc; });
+      document.getElementById('q2').classList.toggle('hidden', wizard.serviceTypes.indexOf('voice') < 0);
+      document.getElementById('q4').classList.toggle('hidden', wizard.serviceTypes.indexOf('broadband') < 0);
+      document.getElementById('q5').classList.remove('hidden');
+    });
+  });
+
+  // ── Q2: Voice delivery ──
+  document.querySelectorAll('[data-voice]').forEach(function(btn) {
+    btn.addEventListener('click', function() {
+      document.querySelectorAll('[data-voice]').forEach(function(b) { b.classList.remove('selected'); });
+      btn.classList.add('selected');
+      wizard.voiceDelivery = btn.dataset.voice;
+      var showQ3 = wizard.voiceDelivery === 'own_switch' || wizard.voiceDelivery === 'ucaas';
+      document.getElementById('q3').classList.toggle('hidden', !showQ3);
+    });
+  });
+
+  // ── Q3: Infrastructure needs ──
+  document.querySelectorAll('[data-infra]').forEach(function(cb) {
+    cb.addEventListener('change', function() {
+      wizard.infraNeeds = Array.from(document.querySelectorAll('[data-infra]:checked')).map(function(c) { return c.dataset.infra; });
+      var needsOcn = wizard.infraNeeds.indexOf('lcr') >= 0 || wizard.infraNeeds.indexOf('own_dids') >= 0 ||
+                     wizard.infraNeeds.indexOf('interconnect') >= 0 || wizard.infraNeeds.indexOf('stir_sign') >= 0;
+      document.getElementById('ocn-explain').classList.toggle('hidden', !needsOcn);
+    });
+  });
+
+  // ── Q4: Broadband type ──
+  document.querySelectorAll('[data-bb]').forEach(function(btn) {
+    btn.addEventListener('click', function() {
+      document.querySelectorAll('[data-bb]').forEach(function(b) { b.classList.remove('selected'); });
+      btn.classList.add('selected');
+      wizard.broadbandType = btn.dataset.bb;
+      document.getElementById('cloud-warn').classList.toggle('hidden', wizard.broadbandType !== 'cloud');
+    });
+  });
+
+  // ── Q5: Operating states ──
+  document.querySelectorAll('[data-states]').forEach(function(btn) {
+    btn.addEventListener('click', function() {
+      document.querySelectorAll('[data-states]').forEach(function(b) { b.classList.remove('selected'); });
+      btn.classList.add('selected');
+      wizard.operatingStates = btn.dataset.states;
+    });
+  });
+
+  // ── Step 1 → 2: Derive registrations ──
+  document.getElementById('btn-next-1').addEventListener('click', function() {
+    if (wizard.serviceTypes.length === 0) { alert('Please select at least one service type.'); return; }
+
+    var hasVoice = wizard.serviceTypes.indexOf('voice') >= 0;
+    var hasBroadband = wizard.serviceTypes.indexOf('broadband') >= 0;
+    var isWholesale = wizard.serviceTypes.indexOf('wholesale') >= 0;
+
+    wizard.needsRmd = hasVoice;
+    wizard.needsCpni = hasVoice;
+    wizard.needsCalea = hasVoice || (hasBroadband && wizard.broadbandType === 'facilities');
+    wizard.needsBdc = hasBroadband && !isWholesale;
+    wizard.needsOcn = wizard.infraNeeds.indexOf('lcr') >= 0 || wizard.infraNeeds.indexOf('own_dids') >= 0 ||
+                      wizard.infraNeeds.indexOf('interconnect') >= 0 || wizard.infraNeeds.indexOf('stir_sign') >= 0;
+    wizard.needsStirShaken = wizard.infraNeeds.indexOf('stir_sign') >= 0 || wizard.needsOcn;
+
+    buildChecklist();
+    showStep(2);
+  });
+
+  // ── Build registration checklist (Step 2) ──
+  function buildChecklist() {
+    var base = document.getElementById('base-services');
+    var derived = document.getElementById('wizard-services');
+    var addons = document.getElementById('addon-services');
+    base.innerHTML = ''; derived.innerHTML = ''; addons.innerHTML = '';
+
+    function svcRow(name, desc, included, price, key, parent) {
+      var row = document.createElement('label');
+      row.className = 'svc-row';
+      var checked = included ? 'checked' : '';
+      var priceText = price ? '$' + (price / 100).toLocaleString() : 'Included';
+      row.innerHTML = '<input type="checkbox" data-reg="' + key + '" ' + checked + '> ' +
+        '<span class="svc-name">' + name + '</span> ' +
+        (price ? '<span class="svc-price">+' + priceText + '</span>' : '<span class="svc-inc">' + priceText + '</span>');
+      row.querySelector('input').addEventListener('change', updatePrice);
+      parent.appendChild(row);
+    }
+
+    // Base (always included)
+    svcRow('CORES / FRN Registration', 'FCC Registration Number', true, 0, 'cores', base);
+    svcRow('Form 499 Initial Registration', 'USAC enrollment', true, 0, 'form499', base);
+    svcRow('D.C. Registered Agent (Annual)', 'FCC process-of-service', true, 0, 'dc_agent', base);
+
+    // Wizard-determined
+    if (wizard.needsRmd) svcRow('RMD Registration', 'Robocall Mitigation Database', true, 0, 'rmd', derived);
+    if (wizard.needsCpni) svcRow('CPNI Certification', 'Customer data protection', true, 0, 'cpni', derived);
+    if (wizard.needsCalea) svcRow('CALEA SSI Plan', 'Lawful intercept compliance', true, 0, 'calea', derived);
+    if (wizard.needsBdc) svcRow('BDC Filing', 'Broadband Data Collection', true, 0, 'bdc', derived);
+
+    // Add-ons
+    svcRow('STIR/SHAKEN Implementation', 'Call authentication certificate', wizard.needsStirShaken, 49900, 'stir_shaken', addons);
+    svcRow('NECA OCN Registration', 'Operating Company Number + sponsoring CLEC', wizard.needsOcn, 265000, 'ocn', addons);
+    svcRow('State PUC Registration (per state)', 'State utility commission filing', false, 39900, 'state_puc', addons);
+
+    updatePrice();
+  }
+
+  function updatePrice() {
+    var total = wizard.baseFee;
+    var details = ['Base: $1,299'];
+    document.querySelectorAll('[data-reg]').forEach(function(cb) {
+      if (!cb.checked) return;
+      var key = cb.dataset.reg;
+      if (key === 'stir_shaken') { total += 49900; details.push('STIR/SHAKEN: +$499'); }
+      if (key === 'ocn') { total += 265000; details.push('OCN: +$2,650'); }
+      if (key === 'state_puc') { total += 39900; details.push('State PUC: +$399'); }
+    });
+    total += wizard.formationFee + wizard.stateFee;
+    if (wizard.formationFee) details.push('Formation: +$' + ((wizard.formationFee + wizard.stateFee) / 100).toLocaleString());
+    total -= wizard.addonFee; // discount placeholder
+
+    document.getElementById('total-price').textContent = '$' + (total / 100).toLocaleString();
+    document.getElementById('price-detail').textContent = details.join(' · ');
+    wizard.addonFee = total - wizard.baseFee - wizard.formationFee - wizard.stateFee;
+  }
+
+  // ── Step 2 → 3 ──
+  document.getElementById('btn-next-2').addEventListener('click', function() { showStep(3); });
+  document.getElementById('btn-back-2').addEventListener('click', function() { showStep(1); });
+
+  // ── Step 3: Entity toggle ──
+  document.getElementById('entity-existing').addEventListener('click', function() {
+    wizard.entitySource = 'existing';
+    this.classList.add('active');
+    document.getElementById('entity-new').classList.remove('active');
+    document.getElementById('entity-existing-form').classList.remove('hidden');
+    document.getElementById('entity-new-form').classList.add('hidden');
+    wizard.formationFee = 0; wizard.stateFee = 0;
+    updatePrice();
+  });
+  document.getElementById('entity-new').addEventListener('click', function() {
+    wizard.entitySource = 'new_formation';
+    this.classList.add('active');
+    document.getElementById('entity-existing').classList.remove('active');
+    document.getElementById('entity-new-form').classList.remove('hidden');
+    document.getElementById('entity-existing-form').classList.add('hidden');
+  });
+
+  // ── Formation state guidance ──
+  document.querySelectorAll('[data-nexus]').forEach(function(btn) {
+    btn.addEventListener('click', function() {
+      document.querySelectorAll('[data-nexus]').forEach(function(b) { b.classList.remove('selected'); });
+      btn.classList.add('selected');
+      if (btn.dataset.nexus === 'yes') {
+        var st = document.getElementById('home-state').value;
+        showRecommendation(st, 'Your home state (' + st + ') is recommended since you already have business presence there. This avoids foreign qualification fees.');
+        document.getElementById('size-q').classList.add('hidden');
+      } else {
+        document.getElementById('size-q').classList.remove('hidden');
+      }
+    });
+  });
+
+  document.querySelectorAll('[data-size]').forEach(function(btn) {
+    btn.addEventListener('click', function() {
+      document.querySelectorAll('[data-size]').forEach(function(b) { b.classList.remove('selected'); });
+      btn.classList.add('selected');
+      var home = document.getElementById('home-state').value;
+      if (btn.dataset.size === 'small') {
+        showRecommendation('WY', 'Wyoming is recommended for small operations — $100 formation fee, no state income tax, $60/yr annual report, strong privacy. You\'ll need foreign qualification if you expand to other states.');
+      } else if (btn.dataset.size === 'medium') {
+        showRecommendation(home || 'DE', (home ? home : 'Delaware') + ' is recommended. ' + (home ? 'Forming in your home state avoids foreign qualification fees.' : 'Delaware is investor-friendly with a specialized business court.'));
+      } else {
+        showRecommendation(home || 'WY', 'Forming in your home state is recommended for larger operations — you\'ll need foreign qualifications in other states regardless.');
+      }
+    });
+  });
+
+  function showRecommendation(state, reason) {
+    var box = document.getElementById('state-recommend');
+    box.innerHTML = '<strong>Recommended: ' + state + '</strong><br>' + reason +
+      '<br><button type="button" onclick="document.getElementById(\'new-formation-state\').value=\'' + state + '\';updateFormationFee()" style="margin-top:.5rem;font-size:.82rem;font-weight:600;color:#1e3a5f;background:none;border:none;cursor:pointer;text-decoration:underline">Use ' + state + '</button>';
+    box.classList.remove('hidden');
+    document.getElementById('new-formation-state').value = state;
+    updateFormationFee();
+  }
+
+  // ── Formation fee lookup ──
+  var stateFeesCache = null;
+  window.updateFormationFee = function() {
+    var state = document.getElementById('new-formation-state').value;
+    var type = document.getElementById('new-entity-type').value;
+    if (!state) return;
+    if (stateFeesCache) {
+      applyFormationFee(state, type);
+    } else {
+      fetch(API + '/api/v1/states').then(function(r) { return r.json(); }).then(function(d) {
+        stateFeesCache = d;
+        applyFormationFee(state, type);
+      }).catch(function() {});
+    }
+  };
+  function applyFormationFee(state, type) {
+    if (!stateFeesCache) return;
+    var fees = (stateFeesCache.states || stateFeesCache).find(function(s) { return s.state_code === state; });
+    if (!fees) return;
+    var fee = type === 'corporation' ? (fees.corp_formation_fee || fees.llc_formation_fee) : fees.llc_formation_fee;
+    wizard.stateFee = fee || 0;
+    wizard.formationFee = 2500; // $25 filing markup
+    document.getElementById('formation-fee-display').textContent =
+      'State filing fee: $' + ((wizard.stateFee) / 100).toLocaleString() + ' + $25 filing service = $' + ((wizard.stateFee + 2500) / 100).toLocaleString();
+    updatePrice();
+  }
+  document.getElementById('new-formation-state').addEventListener('change', function() { updateFormationFee(); });
+  document.getElementById('new-entity-type').addEventListener('change', function() { updateFormationFee(); });
+
+  // ── Step 3 → 4 ──
+  document.getElementById('btn-next-3').addEventListener('click', function() { showStep(4); });
+  document.getElementById('btn-back-3').addEventListener('click', function() { showStep(2); });
+
+  // ── Step 4 → 5 ──
+  document.getElementById('btn-next-4').addEventListener('click', function() {
+    var name = document.getElementById('contact-name').value.trim();
+    var email = document.getElementById('contact-email').value.trim();
+    var phone = document.getElementById('contact-phone').value.trim();
+    if (!name || !email || !phone) { alert('Please fill in contact name, email, and phone.'); return; }
+    wizard.contactName = name; wizard.contactEmail = email; wizard.contactPhone = phone;
+    wizard.contactTitle = document.getElementById('contact-title').value.trim();
+    wizard.addrStreet = document.getElementById('addr-street').value.trim();
+    wizard.addrCity = document.getElementById('addr-city').value.trim();
+    wizard.addrState = document.getElementById('addr-state').value.trim().toUpperCase();
+    wizard.addrZip = document.getElementById('addr-zip').value.trim();
+    buildReview();
+    showStep(5);
+  });
+  document.getElementById('btn-back-4').addEventListener('click', function() { showStep(3); });
+  document.getElementById('btn-back-5').addEventListener('click', function() { showStep(4); });
+
+  // ── Build review ──
+  function buildReview() {
+    var services = [];
+    document.querySelectorAll('[data-reg]:checked').forEach(function(cb) { services.push(cb.dataset.reg); });
+    var html = '<table style="width:100%;border-collapse:collapse;font-size:.85rem;margin-bottom:1rem">';
+    html += '<tr style="border-bottom:2px solid #e5e7eb"><th style="text-align:left;padding:.4rem">Item</th><th style="text-align:right;padding:.4rem">Price</th></tr>';
+
+    var items = [
+      { name: 'Base Registration (CORES/FRN + Form 499 + DC Agent)', price: wizard.baseFee },
+    ];
+    if (services.indexOf('rmd') >= 0) items.push({ name: 'RMD Registration', price: 0 });
+    if (services.indexOf('cpni') >= 0) items.push({ name: 'CPNI Certification', price: 0 });
+    if (services.indexOf('calea') >= 0) items.push({ name: 'CALEA SSI Plan', price: 0 });
+    if (services.indexOf('bdc') >= 0) items.push({ name: 'BDC Filing', price: 0 });
+    if (services.indexOf('stir_shaken') >= 0) items.push({ name: 'STIR/SHAKEN Implementation', price: 49900 });
+    if (services.indexOf('ocn') >= 0) items.push({ name: 'NECA OCN Registration', price: 265000 });
+    if (services.indexOf('state_puc') >= 0) items.push({ name: 'State PUC Registration', price: 39900 });
+    if (wizard.entitySource === 'new_formation') {
+      items.push({ name: 'Business Formation (' + (document.getElementById('new-formation-state').value || '?') + ' ' + document.getElementById('new-entity-type').value.toUpperCase() + ')', price: wizard.formationFee + wizard.stateFee });
+    }
+
+    var total = 0;
+    items.forEach(function(item) {
+      total += item.price;
+      html += '<tr style="border-bottom:1px solid #f3f4f6"><td style="padding:.35rem">' + item.name + '</td>';
+      html += '<td style="text-align:right;padding:.35rem">' + (item.price ? '$' + (item.price / 100).toLocaleString() : 'Included') + '</td></tr>';
+    });
+    html += '<tr style="border-top:2px solid #e5e7eb;font-weight:700"><td style="padding:.5rem">Total</td><td style="text-align:right;padding:.5rem">$' + (total / 100).toLocaleString() + '</td></tr>';
+    html += '</table>';
+
+    html += '<div style="font-size:.85rem;color:#6b7280;margin-bottom:.5rem">';
+    html += '<strong>Entity:</strong> ' + (wizard.entitySource === 'existing' ? (document.getElementById('ex-legal-name').value || 'Existing entity') : 'New ' + document.getElementById('new-entity-type').value.toUpperCase() + ' in ' + (document.getElementById('new-formation-state').value || '?'));
+    html += '<br><strong>Contact:</strong> ' + wizard.contactName + ' (' + wizard.contactEmail + ')';
+    html += '</div>';
+
+    document.getElementById('review-content').innerHTML = html;
+  }
+
+  // ── Checkout ──
+  document.getElementById('btn-pay').addEventListener('click', async function() {
+    var btn = this;
+    var errEl = document.getElementById('checkout-err');
+    errEl.style.display = 'none';
+    if (!document.getElementById('engage-check').checked) { errEl.textContent = 'Please accept the authorization terms.'; errEl.style.display = 'block'; return; }
+    btn.disabled = true; btn.textContent = 'Creating order...';
+
+    var services = [];
+    document.querySelectorAll('[data-reg]:checked').forEach(function(cb) { services.push(cb.dataset.reg); });
+    var payMethod = document.querySelector('input[name=pay]:checked').value;
+
+    try {
+      var orderResp = await fetch(API + '/api/v1/fcc-carrier-registration', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          customer_name: wizard.contactName,
+          customer_email: wizard.contactEmail,
+          customer_phone: wizard.contactPhone,
+          entity_source: wizard.entitySource,
+          entity_legal_name: wizard.entitySource === 'existing' ? document.getElementById('ex-legal-name').value.trim() : document.getElementById('new-entity-name').value.trim(),
+          ein: wizard.entitySource === 'existing' ? document.getElementById('ex-ein').value.trim() : '',
+          formation_state: wizard.entitySource === 'existing' ? document.getElementById('ex-formation-state').value.trim() : document.getElementById('new-formation-state').value,
+          entity_type: wizard.entitySource === 'new_formation' ? document.getElementById('new-entity-type').value : '',
+          frn: wizard.frn || '',
+          contact_name: wizard.contactName,
+          contact_email: wizard.contactEmail,
+          contact_phone: wizard.contactPhone,
+          contact_title: wizard.contactTitle,
+          address_street: wizard.addrStreet,
+          address_city: wizard.addrCity,
+          address_state: wizard.addrState,
+          address_zip: wizard.addrZip,
+          service_wizard: {
+            service_types: wizard.serviceTypes,
+            voice_delivery: wizard.voiceDelivery,
+            infra_needs: wizard.infraNeeds,
+            broadband_type: wizard.broadbandType,
+            operating_states: wizard.operatingStates,
+          },
+          services: services,
+          engagement_accepted: true,
+        }),
+      });
+      var orderData = await orderResp.json();
+      if (!orderResp.ok) throw new Error(orderData.error || 'Order creation failed');
+
+      btn.textContent = 'Redirecting to payment...';
+      var sessionResp = await fetch(API + '/api/v1/checkout/create-session', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ order_id: orderData.order_number, order_type: 'fcc_carrier_registration', payment_method: payMethod }),
+      });
+      var sessionData = await sessionResp.json();
+      if (!sessionResp.ok) throw new Error(sessionData.error || 'Checkout failed');
+      if (sessionData.checkout_url) window.location.href = sessionData.checkout_url;
+      else throw new Error('No checkout URL');
+    } catch (err) {
+      errEl.textContent = err.message || 'Something went wrong.';
+      errEl.style.display = 'block';
+      btn.disabled = false; btn.textContent = 'Continue to Payment';
+    }
+  });
+
+  // ── Entity search ──
+  var searchTimeout;
+  document.getElementById('entity-search').addEventListener('input', function() {
+    clearTimeout(searchTimeout);
+    var q = this.value.trim();
+    if (q.length < 3) return;
+    searchTimeout = setTimeout(function() {
+      var isDigits = /^\d+$/.test(q);
+      var params = isDigits && q.length === 10 ? 'frn=' + q : 'q=' + encodeURIComponent(q);
+      fetch(API + '/api/v1/fcc/search?' + params).then(function(r) { return r.json(); }).then(function(d) {
+        var results = d.results || [];
+        var container = document.getElementById('entity-search-results');
+        container.innerHTML = '';
+        if (results.length === 0) { container.innerHTML = '<p style="font-size:.82rem;color:#9ca3af">No results found.</p>'; return; }
+        results.forEach(function(r) {
+          var btn = document.createElement('button');
+          btn.type = 'button';
+          btn.className = 'q-card';
+          btn.innerHTML = '<strong>' + (r.business_name || 'Unknown') + '</strong>' +
+            (r.frn ? ' <span style="font-size:.78rem;color:#6b7280">FRN: ' + r.frn + '</span>' : '') +
+            (r.city ? ' <span style="font-size:.78rem;color:#9ca3af">' + r.city + ', ' + (r.state || '') + '</span>' : '');
+          btn.addEventListener('click', function() {
+            wizard.frn = r.frn || '';
+            document.getElementById('ex-legal-name').value = r.business_name || '';
+            document.getElementById('entity-details').classList.remove('hidden');
+            // Auto-fill from FCC lookup
+            if (r.frn) {
+              fetch(API + '/api/v1/fcc/lookup?frn=' + r.frn + '&quick=1').then(function(resp) { return resp.json(); }).then(function(fcc) {
+                if (fcc.cores) {
+                  if (fcc.cores.address && !/LLC|Inc|Corp/i.test(fcc.cores.address)) wizard.addrStreet = fcc.cores.address;
+                  if (fcc.cores.city) wizard.addrCity = fcc.cores.city;
+                  if (fcc.cores.state) { wizard.addrState = fcc.cores.state; document.getElementById('ex-formation-state').value = fcc.cores.state; }
+                  if (fcc.cores.zip) wizard.addrZip = fcc.cores.zip;
+                  document.getElementById('addr-street').value = wizard.addrStreet;
+                  document.getElementById('addr-city').value = wizard.addrCity;
+                  document.getElementById('addr-state').value = wizard.addrState;
+                  document.getElementById('addr-zip').value = wizard.addrZip;
+                }
+                if (fcc.rmd && fcc.rmd.contact_name) {
+                  wizard.contactName = fcc.rmd.contact_name;
+                  document.getElementById('contact-name').value = fcc.rmd.contact_name;
+                }
+                if (fcc.entity_name) document.getElementById('ex-legal-name').value = fcc.entity_name;
+              }).catch(function() {});
+            }
+          });
+          container.appendChild(btn);
+        });
+      }).catch(function() {});
+    }, 500);
+  });
+})();
+</script>
+</body>
+</html>