diff --git a/app/Views/client_kyc.php b/app/Views/client_kyc.php
index 636b07a7..635f3db4 100755
--- a/app/Views/client_kyc.php
+++ b/app/Views/client_kyc.php
@@ -43,7 +43,7 @@
                                 <div class="form-row additional-doc-row" data-row-index="0">
                                     <div class="form-group col-md-4">
                                         <label>Document Name<span class="text-danger">*</span></label>
-                                        <input type="text" class="form-control other-doc-name-field" placeholder="Document Name" name="other_docs_name[]" required>
+                                        <input type="text" class="form-control other-doc-name-field" placeholder="Document Name" name="other_docs_name[]" data-parsley-inceptioncharset="true" data-parsley-trigger="input change" required>
                                     </div>
                                     <div class="form-group col-md-4">
                                         <label>File<span class="text-danger">*</span></label>
@@ -92,6 +92,7 @@
 </div>
 <!-- end -->
 
+<script src="<?= base_url('public/assets/js/pages/policy_transaction_inception_form_validation.js') ?>"></script>
 <script>
 
     var kycPrimaryKey  = $('#client_id_kyc').val();
@@ -101,7 +102,7 @@
             <div class="form-row additional-doc-row" data-row-index="${index}">
                 <div class="form-group col-md-4">
                     <label>Document Name<span class="text-danger">*</span></label>
-                    <input type="text" class="form-control other-doc-name-field" placeholder="Document Name" name="other_docs_name[]" required>
+                    <input type="text" class="form-control other-doc-name-field" placeholder="Document Name" name="other_docs_name[]" data-parsley-inceptioncharset="true" data-parsley-trigger="input change" required>
                 </div>
                 <div class="form-group col-md-4">
                     <label>File<span class="text-danger">*</span></label>
diff --git a/app/Views/leads_form.php b/app/Views/leads_form.php
index 58231766..db790225 100644
--- a/app/Views/leads_form.php
+++ b/app/Views/leads_form.php
@@ -101,6 +101,21 @@
         border-radius: 10px !important;
         border-width: 1px !important;
     }
+
+    /* Live field highlight driven by Parsley state */
+    input.parsley-error,
+    textarea.parsley-error,
+    select.parsley-error {
+        border-color: #dc3545 !important;
+        box-shadow: 0 0 0 0.2rem rgba(220, 53, 69, 0.12) !important;
+    }
+
+    input.parsley-success,
+    textarea.parsley-success,
+    select.parsley-success {
+        border-color: #28a745 !important;
+        box-shadow: 0 0 0 0.2rem rgba(40, 167, 69, 0.08) !important;
+    }
 </style>
 <?php
     $isLeadEditEb = isset($lead_edit_data) && ! empty($lead_edit_data);
@@ -110,6 +125,7 @@
     var pageSubTitle = '<?= $ebSubtitle ?>';
     var pageBackButton = '<a href="<?= base_url('leads/list') ?>" data-toggle="tooltip" data-placement="top" title="Back"><i class="mdi mdi-arrow-left" style="font-size: 17px;"></i></a>';
 </script>
+<script src="<?= base_url('public/assets/js/pages/leads_form_validation.js') ?>"></script>
 
 <div class="container-fluid-min">
     <div class="row" id="leads_form">
@@ -706,6 +722,9 @@
                 if (res.status == true) {
 
                     $('#appendArea_' + dataIncrement).append(res.data.html);
+                    if (typeof window.refreshLeadsFormValidation === 'function') {
+                        window.refreshLeadsFormValidation();
+                    }
 
                     let policy_type_id = res.data.policy_type_id;
                     let lead_type = res.data.lead_type;
@@ -1076,6 +1095,9 @@
             if (response.status == true) {
                 console.log(response.message, 'SUCCESS');
                 $('#appendArea_' + dataIncrement).append(response.data);
+                if (typeof window.refreshLeadsFormValidation === 'function') {
+                    window.refreshLeadsFormValidation();
+                }
 
                 console.log("Policy Type ID : ", policy_type_id);
                 if (policy_type_id == 1 || policy_type_id == 6 || policy_type_id == 7) {
@@ -1275,6 +1297,9 @@
         `;
 
         container.appendChild(newRow);
+        if (typeof window.refreshLeadsFormValidation === 'function') {
+            window.refreshLeadsFormValidation();
+        }
 
         //append mutli file html
         addFileField(increment);
diff --git a/app/Views/newClientModal.php b/app/Views/newClientModal.php
index 3d40798d..657dd832 100644
--- a/app/Views/newClientModal.php
+++ b/app/Views/newClientModal.php
@@ -1,4 +1,20 @@
 <!-- Client form content modal-->
+<style>
+    input.parsley-error,
+    textarea.parsley-error,
+    select.parsley-error {
+        border-color: #dc3545 !important;
+        box-shadow: 0 0 0 0.2rem rgba(220, 53, 69, 0.12) !important;
+    }
+
+    input.parsley-success,
+    textarea.parsley-success,
+    select.parsley-success {
+        border-color: #28a745 !important;
+        box-shadow: 0 0 0 0.2rem rgba(40, 167, 69, 0.08) !important;
+    }
+</style>
+<script src="<?= base_url('public/assets/js/pages/new_client_modal_validation.js') ?>"></script>
 <div class="modal fade" id="upload_enrollment_model" tabindex="-1" role="dialog" aria-labelledby="exampleModalLabel" data-backdrop="static">
     <div class="modal-dialog modal-dialog-centered">
         <div class="modal-content">
diff --git a/app/Views/policy_transaction_endorsement_form.php b/app/Views/policy_transaction_endorsement_form.php
index d7c5225a..b94e97b3 100644
--- a/app/Views/policy_transaction_endorsement_form.php
+++ b/app/Views/policy_transaction_endorsement_form.php
@@ -149,7 +149,23 @@
         color: #000;
     }
 
+    /* Live field highlight driven by Parsley state */
+    input.parsley-error,
+    textarea.parsley-error,
+    select.parsley-error {
+        border-color: #dc3545 !important;
+        box-shadow: 0 0 0 0.2rem rgba(220, 53, 69, 0.12) !important;
+    }
+
+    input.parsley-success,
+    textarea.parsley-success,
+    select.parsley-success {
+        border-color: #28a745 !important;
+        box-shadow: 0 0 0 0.2rem rgba(40, 167, 69, 0.08) !important;
+    }
+
 </style>
+<script src="<?= base_url('public/assets/js/pages/policy_transaction_endorsement_form_validation.js') ?>"></script>
 
 <div class="tab-pane fade active show" id="form">
     <div class="row" id="endorsement_form">
diff --git a/app/Views/policy_transaction_inception_form.php b/app/Views/policy_transaction_inception_form.php
index 174aeaa9..73495b43 100644
--- a/app/Views/policy_transaction_inception_form.php
+++ b/app/Views/policy_transaction_inception_form.php
@@ -292,11 +292,27 @@
         color: #dc3545;
         font-size: 12px;
     }
+
+    /* Live field highlight driven by Parsley state */
+    input.parsley-error,
+    textarea.parsley-error,
+    select.parsley-error {
+        border-color: #dc3545 !important;
+        box-shadow: 0 0 0 0.2rem rgba(220, 53, 69, 0.12) !important;
+    }
+
+    input.parsley-success,
+    textarea.parsley-success,
+    select.parsley-success {
+        border-color: #28a745 !important;
+        box-shadow: 0 0 0 0.2rem rgba(40, 167, 69, 0.08) !important;
+    }
 </style>
 <script>
                         var pageSubTitle = undefined;
                         var pageBackButton = undefined;
 </script>
+<script src="<?= base_url('public/assets/js/pages/policy_transaction_inception_form_validation.js') ?>"></script>
 <div class="tab-pane fade active show" id="form">
     <input type="hidden" id="entity_type_id">
     <div class="row" id="inception_form">
diff --git a/app/Views/policy_transaction_inception_list.php b/app/Views/policy_transaction_inception_list.php
index 39b49b27..ebb98751 100644
--- a/app/Views/policy_transaction_inception_list.php
+++ b/app/Views/policy_transaction_inception_list.php
@@ -1185,7 +1185,7 @@ function addHTMLInput(data = null, container_id = 'dynamic-form-container')
     newRow.innerHTML = `
         <div class="form-group col-md-5">
             <label for="file_name">Document Name<span class="text-danger">${required_star}</span></label>
-            <input type="text" class="form-control" id="docs_name" name="doc_name[]" placeholder="Enter file name" ${required}>
+            <input type="text" class="form-control" id="docs_name" name="doc_name[]" placeholder="Enter file name" data-parsley-inceptioncharset="true" data-parsley-trigger="input change" ${required}>
         </div>
         <div class="form-group col-md-5">
             <label for="file">Upload File<span class="text-danger">${required_star}</span></label>
@@ -1371,7 +1371,7 @@ function addHTMLInputForVehicleFileUpload(data = null, container_id = 'dynamic-f
     newRow.innerHTML = `
         <div class="form-group col-md-5">
             <label for="file_name">Document Name<span class="text-danger">${required_star}</span></label>
-            <input type="text" class="form-control" id="docs_name" name="other_docs_name[]" placeholder="Enter file name" ${required}>
+            <input type="text" class="form-control" id="docs_name" name="other_docs_name[]" placeholder="Enter file name" data-parsley-inceptioncharset="true" data-parsley-trigger="input change" ${required}>
         </div>
         <div class="form-group col-md-5">
             <label for="file">Upload File<span class="text-danger">${required_star}</span></label>
diff --git a/dev_logs/2026-04-01.md b/dev_logs/2026-04-01.md
index 1d7e53a6..efc15a70 100644
--- a/dev_logs/2026-04-01.md
+++ b/dev_logs/2026-04-01.md
@@ -71,3 +71,77 @@ Old function copied as `uploadRequiredDoc_v1` (preserved for reference).
 ### API Docs
 - `nonebapidocs.md`
 - `dev_logs/non_eb_claim_api.md`
+
+---
+
+## Task Plan — Policy Transaction Inception Form JS Validation
+
+### Goal
+Implement client-side form validation for `app/Views/policy_transaction_inception_form.php` by following the existing validation approach used in `app/Views/ticket_form_gmc.php` (centralized submit + reusable validator), but moving inception validation into a dedicated external JavaScript file.
+
+### Current-State Notes
+- `policy_transaction_inception_form.php` currently contains inline submit and validation logic on `#inception_form_id` (Parsley validation + custom checks + toastr + AJAX submit flow).
+- `ticket_form_gmc.php` follows a cleaner pattern where submit handler delegates validation and shows first invalid field feedback.
+- No dedicated inception validation `.js` file currently exists.
+
+### Proposed File Changes
+1. **Create** `public/assets/js/policy_transaction_inception_validation.js`
+   - Add a single public validation entry function (example: `window.validateInceptionFormInputs(form)`).
+   - Keep all custom rules here (beyond HTML `required` and Parsley):
+     - `follow_insurer_id[]` must be selected for all rows.
+     - `pt_form_sumbit_handler` must be `1`.
+     - CD account selection rule for client/policy status condition.
+     - Any date/business-rule checks currently done during submit.
+   - Return a boolean result and handle user-facing messages consistently via toastr.
+
+2. **Refactor** `app/Views/policy_transaction_inception_form.php`
+   - Keep submit flow in one handler, but delegate custom validations to the new JS file.
+   - Minimize inline validation logic in view.
+   - Ensure first invalid field is focused/scrolled for better UX.
+   - Include the new script after shared dependencies (jQuery/Parsley/toastr), before submit logic usage.
+
+3. **(Optional Cleanup)** Move remaining inline helper validation code to dedicated JS if it is inception-form-specific and not used elsewhere.
+
+### Implementation Steps (Execution Order)
+- [x] Step 1: Create new file `public/assets/js/pages/policy_transaction_inception_validation.js`.
+- [x] Step 2: Extract custom validation blocks from `#inception_form_id` submit handler into reusable functions.
+- [x] Step 3: Expose one callable function for submit handler (`validateInceptionFormInputs`).
+- [x] Step 4: Update `policy_transaction_inception_form.php` to include new JS file.
+- [x] Step 5: Replace inline custom checks with function call and keep existing AJAX submit behavior unchanged.
+- [x] Step 6: Ensure invalid-field focus and warning message are preserved.
+- [ ] Step 7: Verify create/edit journeys and conditional sections (renewal, co-insurer, CD account, policy status).
+
+### Validation Rules Checklist (to implement in JS)
+- [ ] Parsley base validation must pass.
+- [ ] Every `follow_insurer_id[]` select must have value.
+- [ ] `pt_form_sumbit_handler != 0`.
+- [ ] If `client_type == 1` and `policy_status == completed` and `policy_type_id > 7`, at least one `cd_ac_no_for_child[]` must be selected.
+- [ ] Keep existing toastr wording (or align to one consistent warning style).
+
+### Testing Checklist
+- [ ] Submit with empty required fields -> blocked with field-level indication.
+- [ ] Submit with any empty co-insurer selector -> blocked with warning.
+- [ ] Submit with base premium/CD mismatch (`pt_form_sumbit_handler = 0`) -> blocked.
+- [ ] Submit valid data -> AJAX create request fires successfully.
+- [ ] Edit existing inception record -> validation still works and submit succeeds.
+- [ ] No regression in date conversion before submit (`policy_issue_date`, `policy_start_date`, `policy_end_date`, `renewal_date`, `rollover_date`, `month`).
+
+### Risks / Attention Points
+- Large inline script currently mixes validation and business logic; refactor should avoid changing API payload or field names.
+- Multiple dynamic rows (`follow_insurer_id[]`, `cd_ac_no_for_child[]`) need delegated-safe selectors.
+- Script include order is critical (new validation JS must load before submit handler executes).
+
+### Completion Update (Implemented)
+- Added `public/assets/js/pages/policy_transaction_inception_validation.js` with:
+  - `window.validateInceptionFormInputs(form)` as centralized entrypoint
+  - Parsley validation gate
+  - Co-insurer (`follow_insurer_id[]`) mandatory selection check
+  - `pt_form_sumbit_handler` (CD amount) guard check
+  - Child CD account selection rule for applicable completed flow
+  - First invalid field focus/scroll helper
+- Updated `app/Views/policy_transaction_inception_form.php`:
+  - Included external script: `assets/js/pages/policy_transaction_inception_validation.js`
+  - Refactored `#inception_form_id` submit handler to delegate custom validation to new file
+  - Preserved existing AJAX submit and payload/date conversion behavior
+- Technical validation done:
+  - JS syntax check passed (`node --check public/assets/js/pages/policy_transaction_inception_validation.js`)
diff --git a/dev_logs/2026-04-06_inception_form_live_validation_plan.md b/dev_logs/2026-04-06_inception_form_live_validation_plan.md
new file mode 100644
index 00000000..139b0636
--- /dev/null
+++ b/dev_logs/2026-04-06_inception_form_live_validation_plan.md
@@ -0,0 +1,92 @@
+# Policy Transaction Inception Form - Live Validation Plan
+
+## Objective
+- Add live field-level validation for `input`, `textarea`, and `select` in `app/Views/policy_transaction_inception_form.php`.
+- Trigger validation errors on `oninput` and `onchange` behavior without disrupting existing Parsley-based submit validation.
+- Restrict special characters to only `/`, `_`, `-`, `.`, and space (along with letters and numbers).
+
+## Implementation Steps
+- Create a dedicated JS module at `public/assets/js/pages/policy_transaction_inception_form_validation.js`.
+- Register one custom Parsley validator (`inceptioncharset`) for allowed character set checks.
+- Bind delegated events (`input` and `change`) on:
+  - `#inception_form_id`
+  - `#vehicle_form`
+  - `#CDMasterForm`
+- Apply Parsley attributes non-destructively:
+  - Add `data-parsley-inceptioncharset="true"` to character-validated fields.
+  - Set `data-parsley-trigger` only when missing, so existing field-level Parsley settings remain intact.
+- Support dynamic fields by reapplying constraints and refreshing Parsley instances before validating changed fields.
+- Include the new JS file in the view after existing inline scripts.
+
+## Character Rule
+- Allowed characters: `A-Z`, `a-z`, `0-9`, `/`, `_`, `-`, `.`, and space.
+- Validation message:
+  - `Only letters, numbers, spaces, and the characters / _ - . are allowed.`
+
+## Non-Disruption Controls
+- Do not replace existing submit handlers.
+- Do not remove existing inline `onchange`/`oninput` handlers.
+- Do not override existing Parsley triggers if already defined on a field.
+- Ignore hidden/disabled fields for live validation.
+
+## Validation Scope Notes
+- `select` elements are revalidated on `change` (for required/Parsley feedback).
+- Character set validation is applied to textual inputs and textareas only.
+- File, checkbox, radio, hidden, button, submit, and reset fields are excluded from charset validation.
+
+## Manual QA Checklist
+- Type an invalid special character (example: `@`) in a text field and confirm immediate Parsley error.
+- Type valid characters (`abc 123 / _ - .`) and confirm error clears.
+- Change required select fields and confirm Parsley error appears/disappears on change.
+- Add dynamic rows/fields (if applicable) and confirm live validation still works.
+- Submit each form (`inception`, `vehicle`, `CD master`) and confirm existing submit flow is unchanged.
+
+## Delivered Changes
+- Added: `public/assets/js/pages/policy_transaction_inception_form_validation.js`
+- Updated: `app/Views/policy_transaction_inception_form.php` (script include)
+- Updated: `app/Views/policy_transaction_inception_form.php` (Parsley-driven red/green live field highlight styles)
+- Updated: `app/Views/policy_transaction_inception_list.php` (dynamic `Document Name` rows now include Parsley charset attributes)
+- Updated: `app/Views/client_kyc.php` (`Document Name` fields and template rows now include Parsley charset attributes)
+- Updated: `app/Views/client_kyc.php` (loads validation script so KYC doc fields validate live in client onboarding screens)
+- Updated: `public/assets/js/pages/policy_transaction_inception_form_validation.js` (extended to cover `#file_upload_form`, `#kyc_form`, and document-name field detection by name/class)
+- Added: `public/assets/js/pages/policy_transaction_endorsement_form_validation.js` (same live Parsley validation flow for endorsement forms and policy-doc upload form)
+- Updated: `app/Views/policy_transaction_endorsement_form.php` (script include for endorsement validation)
+- Updated: `app/Views/policy_transaction_endorsement_form.php` (Parsley-driven red/green live field highlight styles)
+
+## Leads Form Analysis (New Scope)
+- Target file: `app/Views/leads_form.php`
+- Main form identified: `#leads_form_id` (Parsley form)
+- Existing constraints found:
+  - PAN and GST already use dedicated Parsley regex rules.
+  - Several dynamic sections append policy/custom fields into `#dynamic-form-container` and `#appendArea_*`.
+  - Contact fields include `contact_person_mobile` and `contact_person_email` as text inputs.
+- Risk points for charset-only validation:
+  - Email fields must allow `@` and domain characters.
+  - Mobile should stay digits-only and length constrained.
+  - Existing PAN/GST pattern validation must remain untouched.
+
+## Leads Form Plan
+- Create separate JS file:
+  - `public/assets/js/pages/leads_form_validation.js`
+- Add custom Parsley validators for leads page:
+  - Generic charset validator (allow: letters, numbers, `/`, `_`, `-`, `.`, space)
+  - Mobile validator (10 digits)
+  - Email validator (valid email format)
+- Bind delegated `input`/`change` live validation on `#leads_form_id` so dynamic fields are automatically covered.
+- Apply constraints by field type/ID:
+  - `contact_person_mobile` -> mobile validator
+  - `contact_person_email` -> email validator
+  - PAN/GST fields keep their existing `data-parsley-pattern` rules
+  - Other textual fields -> charset validator
+- Add non-intrusive Parsley visual styles (`parsley-error` / `parsley-success`) in `leads_form.php`.
+- Include new JS file in `leads_form.php` after existing page-level script setup.
+
+## Leads Delivered Changes
+- Added: `public/assets/js/pages/leads_form_validation.js`
+- Updated: `app/Views/leads_form.php` (script include for leads live validation)
+- Updated: `app/Views/leads_form.php` (Parsley-driven red/green live field highlight styles)
+
+## New Client Modal Delivered Changes
+- Added: `public/assets/js/pages/new_client_modal_validation.js`
+- Updated: `app/Views/newClientModal.php` (script include for modal live validation)
+- Updated: `app/Views/newClientModal.php` (Parsley-driven red/green live field highlight styles)
diff --git a/public/assets/js/pages/leads_form_validation.js b/public/assets/js/pages/leads_form_validation.js
new file mode 100644
index 00000000..0f470a38
--- /dev/null
+++ b/public/assets/js/pages/leads_form_validation.js
@@ -0,0 +1,247 @@
+(function (getJq) {
+    'use strict';
+
+    function $(selector, context) {
+        var jq = getJq();
+        if (!jq) {
+            return { length: 0 };
+        }
+        return arguments.length > 1 ? jq(selector, context) : jq(selector);
+    }
+
+    var TEXT_ALLOWED = /^[A-Za-z0-9/_.\- ]*$/;
+    var EMAIL_RE = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
+    var FORM_SELECTOR = '#leads_form_id';
+    var NS = '.leadsFormValidate';
+
+    var MESSAGES = {
+        text: 'Only letters, numbers, spaces, and the characters / _ - . are allowed.',
+        mobile: 'Mobile number must be exactly 10 digits (numbers only).',
+        email: 'Please enter a valid email address.'
+    };
+
+    function isParsleyReady() {
+        return !!window.Parsley;
+    }
+
+    function isSkippableField(el) {
+        return !el || el.disabled || el.type === 'hidden';
+    }
+
+    function isPanOrGstField(el) {
+        if (!el) {
+            return false;
+        }
+        var id = (el.id || '').toLowerCase();
+        return id === 'pan' || id === 'gst';
+    }
+
+    function isEmailField(el) {
+        if (!el) {
+            return false;
+        }
+        var id = (el.id || '').toLowerCase();
+        var name = (el.name || '').toLowerCase();
+        var type = (el.type || '').toLowerCase();
+        return id === 'contact_person_email' || name === 'contact_person_email' || type === 'email';
+    }
+
+    function isMobileField(el) {
+        if (!el) {
+            return false;
+        }
+        var id = (el.id || '').toLowerCase();
+        var name = (el.name || '').toLowerCase();
+        return id === 'contact_person_mobile' || name === 'contact_person_mobile';
+    }
+
+    function isCharsetCandidate(el) {
+        if (!el || el.tagName === 'SELECT') {
+            return false;
+        }
+        var type = (el.type || '').toLowerCase();
+        if (type === 'file' || type === 'checkbox' || type === 'radio' || type === 'password' || type === 'submit' || type === 'button' || type === 'reset') {
+            return false;
+        }
+        if (isPanOrGstField(el) || isEmailField(el) || isMobileField(el)) {
+            return false;
+        }
+        return true;
+    }
+
+    function registerValidators() {
+        if (!isParsleyReady() || window.Parsley.__leadsFormValidatorsRegistered) {
+            return;
+        }
+
+        window.Parsley.addValidator('leadscharset', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return TEXT_ALLOWED.test(String(value));
+            },
+            messages: { en: MESSAGES.text }
+        });
+
+        window.Parsley.addValidator('leadsmobile10', {
+            validateString: function (value, req, instance) {
+                var v = String(value || '').replace(/\D/g, '');
+                if (!instance.$element.prop('required') && v.length === 0) {
+                    return true;
+                }
+                if (instance.$element.prop('required') && v.length === 0) {
+                    return true;
+                }
+                return v.length === 10;
+            },
+            messages: { en: MESSAGES.mobile }
+        });
+
+        window.Parsley.addValidator('leadsemail', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return EMAIL_RE.test(String(value).trim());
+            },
+            messages: { en: MESSAGES.email }
+        });
+
+        window.Parsley.__leadsFormValidatorsRegistered = true;
+    }
+
+    function clearAttrs($el) {
+        ['data-parsley-leadscharset', 'data-parsley-leadsmobile10', 'data-parsley-leadsemail'].forEach(function (a) {
+            $el.removeAttr(a);
+        });
+    }
+
+    function applyConstraints($form) {
+        if (!$form || !$form.length) {
+            return;
+        }
+
+        $form.find('input, textarea, select').each(function () {
+            var el = this;
+            var $el = $(el);
+
+            if (isSkippableField(el) || isPanOrGstField(el)) {
+                return;
+            }
+
+            clearAttrs($el);
+
+            if (isMobileField(el)) {
+                $el.attr('data-parsley-leadsmobile10', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (isEmailField(el)) {
+                $el.attr('data-parsley-leadsemail', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (isCharsetCandidate(el)) {
+                $el.attr('data-parsley-leadscharset', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (el.tagName === 'SELECT' && !$el.attr('data-parsley-trigger')) {
+                $el.attr('data-parsley-trigger', 'change');
+            }
+        });
+    }
+
+    function sanitizeOnInput(el) {
+        if (!el || isSkippableField(el)) {
+            return;
+        }
+        if (isMobileField(el)) {
+            var clean = (el.value || '').replace(/\D/g, '').substring(0, 10);
+            if (el.value !== clean) {
+                el.value = clean;
+            }
+            return;
+        }
+        if (isCharsetCandidate(el)) {
+            var raw = el.value || '';
+            if (!TEXT_ALLOWED.test(raw)) {
+                el.value = raw.replace(/[^A-Za-z0-9/_.\- ]/g, '');
+            }
+        }
+    }
+
+    function refreshParsley($form) {
+        if (!$form || !$form.length || !isParsleyReady()) {
+            return;
+        }
+        try {
+            var instance = $form.parsley();
+            if (instance && typeof instance.refresh === 'function') {
+                instance.refresh();
+            }
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function validateField(field) {
+        if (!field || isSkippableField(field) || !isParsleyReady()) {
+            return;
+        }
+        var $field = $(field);
+        var $form = $field.closest('form');
+        if (!$form.length || typeof $field.parsley !== 'function') {
+            return;
+        }
+
+        applyConstraints($form);
+        refreshParsley($form);
+
+        try {
+            $field.parsley().validate();
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function init() {
+        var $form = $(FORM_SELECTOR);
+        if (!$form.length || !isParsleyReady()) {
+            return;
+        }
+
+        registerValidators();
+        applyConstraints($form);
+        refreshParsley($form);
+
+        $form.off(NS);
+        $form.on('input' + NS, 'input:not([type=hidden]), textarea', function () {
+            sanitizeOnInput(this);
+            validateField(this);
+        });
+        $form.on('change' + NS, 'select, input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+    }
+
+    $(function () {
+        init();
+    });
+
+    window.refreshLeadsFormValidation = function () {
+        init();
+    };
+})(function () {
+    return window.jQuery;
+});
diff --git a/public/assets/js/pages/new_client_modal_validation.js b/public/assets/js/pages/new_client_modal_validation.js
new file mode 100644
index 00000000..fef444e2
--- /dev/null
+++ b/public/assets/js/pages/new_client_modal_validation.js
@@ -0,0 +1,220 @@
+(function (getJq) {
+    'use strict';
+
+    function $(selector, context) {
+        var jq = getJq();
+        if (!jq) {
+            return { length: 0 };
+        }
+        return arguments.length > 1 ? jq(selector, context) : jq(selector);
+    }
+
+    var FORM_SELECTOR = '#client_form';
+    var NS = '.newClientModalValidate';
+    var TEXT_ALLOWED = /^[A-Za-z0-9/_.\- ]*$/;
+    var EMAIL_RE = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
+
+    function isParsleyReady() {
+        return !!window.Parsley;
+    }
+
+    function isSkippable(el) {
+        return !el || el.disabled || el.type === 'hidden';
+    }
+
+    function isPanOrGst(el) {
+        var id = (el.id || '').toLowerCase();
+        return id === 'pan' || id === 'gst';
+    }
+
+    function isMobile(el) {
+        var id = (el.id || '').toLowerCase();
+        var name = (el.name || '').toLowerCase();
+        return id === 'mobile' || id === 'phone' || name === 'mobile' || name === 'phone';
+    }
+
+    function isEmail(el) {
+        var type = (el.type || '').toLowerCase();
+        var id = (el.id || '').toLowerCase();
+        var name = (el.name || '').toLowerCase();
+        return type === 'email' || id === 'email' || id === 'email2' || name === 'email' || name === 'email2';
+    }
+
+    function isCharsetCandidate(el) {
+        if (!el || el.tagName === 'SELECT') {
+            return false;
+        }
+        var type = (el.type || '').toLowerCase();
+        if (type === 'file' || type === 'checkbox' || type === 'radio' || type === 'password' || type === 'submit' || type === 'button' || type === 'reset') {
+            return false;
+        }
+        if (isPanOrGst(el) || isMobile(el) || isEmail(el)) {
+            return false;
+        }
+        return true;
+    }
+
+    function registerValidators() {
+        if (!isParsleyReady() || window.Parsley.__newClientModalValidatorsRegistered) {
+            return;
+        }
+
+        window.Parsley.addValidator('newclientcharset', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return TEXT_ALLOWED.test(String(value));
+            },
+            messages: { en: 'Only letters, numbers, spaces, and the characters / _ - . are allowed.' }
+        });
+
+        window.Parsley.addValidator('newclientmobile10', {
+            validateString: function (value, req, instance) {
+                var v = String(value || '').replace(/\D/g, '');
+                if (!instance.$element.prop('required') && v.length === 0) {
+                    return true;
+                }
+                if (instance.$element.prop('required') && v.length === 0) {
+                    return true;
+                }
+                return v.length === 10;
+            },
+            messages: { en: 'Mobile number must be exactly 10 digits (numbers only).' }
+        });
+
+        window.Parsley.addValidator('newclientemail', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return EMAIL_RE.test(String(value).trim());
+            },
+            messages: { en: 'Please enter a valid email address.' }
+        });
+
+        window.Parsley.__newClientModalValidatorsRegistered = true;
+    }
+
+    function clearAttrs($el) {
+        ['data-parsley-newclientcharset', 'data-parsley-newclientmobile10', 'data-parsley-newclientemail'].forEach(function (a) {
+            $el.removeAttr(a);
+        });
+    }
+
+    function applyConstraints($form) {
+        $form.find('input, textarea, select').each(function () {
+            var el = this;
+            var $el = $(el);
+            if (isSkippable(el) || isPanOrGst(el)) {
+                return;
+            }
+
+            clearAttrs($el);
+
+            if (isMobile(el)) {
+                $el.attr('data-parsley-newclientmobile10', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (isEmail(el)) {
+                $el.attr('data-parsley-newclientemail', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (isCharsetCandidate(el)) {
+                $el.attr('data-parsley-newclientcharset', 'true');
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (el.tagName === 'SELECT' && !$el.attr('data-parsley-trigger')) {
+                $el.attr('data-parsley-trigger', 'change');
+            }
+        });
+    }
+
+    function sanitizeOnInput(el) {
+        if (!el || isSkippable(el)) {
+            return;
+        }
+        if (isMobile(el)) {
+            var d = (el.value || '').replace(/\D/g, '').substring(0, 10);
+            if (el.value !== d) {
+                el.value = d;
+            }
+            return;
+        }
+        if (isCharsetCandidate(el)) {
+            var raw = el.value || '';
+            if (!TEXT_ALLOWED.test(raw)) {
+                el.value = raw.replace(/[^A-Za-z0-9/_.\- ]/g, '');
+            }
+        }
+    }
+
+    function refreshParsley($form) {
+        try {
+            var p = $form.parsley();
+            if (p && typeof p.refresh === 'function') {
+                p.refresh();
+            }
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function validateField(el) {
+        if (!el || isSkippable(el) || !isParsleyReady()) {
+            return;
+        }
+        var $f = $(el).closest('form');
+        if (!$f.length) {
+            return;
+        }
+        applyConstraints($f);
+        refreshParsley($f);
+        try {
+            $(el).parsley().validate();
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function init() {
+        var $form = $(FORM_SELECTOR);
+        if (!$form.length || !isParsleyReady()) {
+            return;
+        }
+        registerValidators();
+        applyConstraints($form);
+        refreshParsley($form);
+
+        $form.off(NS);
+        $form.on('input' + NS, 'input:not([type=hidden]), textarea', function () {
+            sanitizeOnInput(this);
+            validateField(this);
+        });
+        $form.on('change' + NS, 'select, input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+    }
+
+    $(function () {
+        init();
+    });
+
+    window.refreshNewClientModalValidation = function () {
+        init();
+    };
+})(function () {
+    return window.jQuery;
+});
diff --git a/public/assets/js/pages/policy_transaction_endorsement_form_validation.js b/public/assets/js/pages/policy_transaction_endorsement_form_validation.js
new file mode 100644
index 00000000..436e65f0
--- /dev/null
+++ b/public/assets/js/pages/policy_transaction_endorsement_form_validation.js
@@ -0,0 +1,166 @@
+(function (getJq) {
+    'use strict';
+
+    function $(selector, context) {
+        var jq = getJq();
+        if (!jq) {
+            return { length: 0 };
+        }
+        return arguments.length > 1 ? jq(selector, context) : jq(selector);
+    }
+
+    var TEXT_ALLOWED = /^[A-Za-z0-9/_.\- ]*$/;
+    var MESSAGE = 'Only letters, numbers, spaces, and the characters / _ - . are allowed.';
+    var FORM_SELECTORS = ['#endorsement_form_id', '#drive_file_upload_form', '#file_upload_form'];
+    var NS = '.endorsementFormValidate';
+
+    function isParsleyReady() {
+        return !!window.Parsley;
+    }
+
+    function isSkippableField(el) {
+        return !el || el.disabled || el.type === 'hidden';
+    }
+
+    function isDocumentNameField(el) {
+        if (!el) {
+            return false;
+        }
+        var name = (el.name || '').toLowerCase();
+        var id = (el.id || '').toLowerCase();
+        return name === 'doc_name[]' ||
+            name === 'other_docs_name[]' ||
+            name === 'docs_name[]' ||
+            id === 'docs_name' ||
+            $(el).hasClass('other-doc-name-field');
+    }
+
+    function isCharsetCandidate(el) {
+        if (!el || el.tagName === 'SELECT') {
+            return false;
+        }
+        var type = (el.type || '').toLowerCase();
+        if (type === 'file' || type === 'checkbox' || type === 'radio' || type === 'password' || type === 'email' || type === 'url' || type === 'submit' || type === 'button' || type === 'reset') {
+            return false;
+        }
+        return true;
+    }
+
+    function registerValidator() {
+        if (!isParsleyReady() || window.Parsley.__endorsementFormValidatorRegistered) {
+            return;
+        }
+        window.Parsley.addValidator('endorsementcharset', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return TEXT_ALLOWED.test(String(value));
+            },
+            messages: { en: MESSAGE }
+        });
+        window.Parsley.__endorsementFormValidatorRegistered = true;
+    }
+
+    function applyConstraints($form) {
+        if (!$form || !$form.length) {
+            return;
+        }
+        $form.find('input, textarea, select').each(function () {
+            var el = this;
+            var $el = $(el);
+            if (isSkippableField(el)) {
+                return;
+            }
+
+            if (isCharsetCandidate(el) || isDocumentNameField(el)) {
+                if (!$el.attr('data-parsley-endorsementcharset')) {
+                    $el.attr('data-parsley-endorsementcharset', 'true');
+                }
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (el.tagName === 'SELECT' && !$el.attr('data-parsley-trigger')) {
+                $el.attr('data-parsley-trigger', 'change');
+            }
+        });
+    }
+
+    function refreshParsley($form) {
+        if (!$form || !$form.length || !isParsleyReady()) {
+            return;
+        }
+        try {
+            var instance = $form.parsley();
+            if (instance && typeof instance.refresh === 'function') {
+                instance.refresh();
+            }
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function validateField(field) {
+        if (!field || isSkippableField(field) || !isParsleyReady()) {
+            return;
+        }
+        var $field = $(field);
+        var $form = $field.closest('form');
+        if (!$form.length || typeof $field.parsley !== 'function') {
+            return;
+        }
+
+        applyConstraints($form);
+        refreshParsley($form);
+
+        try {
+            $field.parsley().validate();
+        } catch (e) {
+            // no-op
+        }
+    }
+
+    function bindForm(selector) {
+        var $form = $(selector);
+        if (!$form.length) {
+            return;
+        }
+
+        registerValidator();
+        applyConstraints($form);
+        refreshParsley($form);
+
+        $form.off(NS);
+        $form.on('input' + NS, 'input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+        $form.on('change' + NS, 'select, input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+    }
+
+    function init() {
+        if (!isParsleyReady()) {
+            return;
+        }
+        FORM_SELECTORS.forEach(function (selector) {
+            bindForm(selector);
+        });
+    }
+
+    $(function () {
+        init();
+    });
+
+    window.refreshEndorsementFormValidation = function (formSelector) {
+        if (!formSelector || !isParsleyReady()) {
+            return;
+        }
+        bindForm(formSelector);
+    };
+})(function () {
+    return window.jQuery;
+});
diff --git a/public/assets/js/pages/policy_transaction_inception_form_validation.js b/public/assets/js/pages/policy_transaction_inception_form_validation.js
new file mode 100644
index 00000000..634b6b29
--- /dev/null
+++ b/public/assets/js/pages/policy_transaction_inception_form_validation.js
@@ -0,0 +1,185 @@
+(function (getJq) {
+    'use strict';
+
+    function $(selector, context) {
+        var jq = getJq();
+        if (!jq) {
+            return { length: 0 };
+        }
+        return arguments.length > 1 ? jq(selector, context) : jq(selector);
+    }
+
+    var TEXT_ALLOWED = /^[A-Za-z0-9/_.\- ]*$/;
+    var MESSAGE = 'Only letters, numbers, spaces, and the characters / _ - . are allowed.';
+    var FORM_SELECTORS = ['#inception_form_id', '#vehicle_form', '#CDMasterForm', '#file_upload_form', '#kyc_form'];
+    var INCEPTION_NS = '.inceptionFormValidate';
+
+    function isParsleyReady() {
+        return !!window.Parsley;
+    }
+
+    function isSkippableField(el) {
+        if (!el) {
+            return true;
+        }
+        if (el.disabled) {
+            return true;
+        }
+        if (el.type === 'hidden') {
+            return true;
+        }
+        return false;
+    }
+
+    function isCharsetCandidate(el) {
+        if (!el || el.tagName === 'SELECT') {
+            return false;
+        }
+
+        var type = (el.type || '').toLowerCase();
+        if (type === 'file' || type === 'checkbox' || type === 'radio' || type === 'password' || type === 'email' || type === 'url' || type === 'submit' || type === 'button' || type === 'reset') {
+            return false;
+        }
+        return true;
+    }
+
+    function isDocumentNameField(el) {
+        if (!el) {
+            return false;
+        }
+        var name = (el.name || '').toLowerCase();
+        var id = (el.id || '').toLowerCase();
+        return name === 'doc_name[]' ||
+            name === 'other_docs_name[]' ||
+            name === 'docs_name[]' ||
+            id === 'docs_name' ||
+            $(el).hasClass('other-doc-name-field');
+    }
+
+    function registerValidator() {
+        if (!isParsleyReady() || window.Parsley.__inceptionFormValidatorRegistered) {
+            return;
+        }
+
+        window.Parsley.addValidator('inceptioncharset', {
+            validateString: function (value) {
+                if (!value || String(value).trim() === '') {
+                    return true;
+                }
+                return TEXT_ALLOWED.test(String(value));
+            },
+            messages: { en: MESSAGE }
+        });
+
+        window.Parsley.__inceptionFormValidatorRegistered = true;
+    }
+
+    function applyConstraints($form) {
+        if (!$form || !$form.length) {
+            return;
+        }
+
+        $form.find('input, textarea, select').each(function () {
+            var el = this;
+            var $el = $(el);
+
+            if (isSkippableField(el)) {
+                return;
+            }
+
+            if (isCharsetCandidate(el) || isDocumentNameField(el)) {
+                if (!$el.attr('data-parsley-inceptioncharset')) {
+                    $el.attr('data-parsley-inceptioncharset', 'true');
+                }
+                if (!$el.attr('data-parsley-trigger')) {
+                    $el.attr('data-parsley-trigger', 'input change');
+                }
+                return;
+            }
+
+            if (el.tagName === 'SELECT' && !$el.attr('data-parsley-trigger')) {
+                $el.attr('data-parsley-trigger', 'change');
+            }
+        });
+    }
+
+    function refreshParsleyInstance($form) {
+        if (!$form || !$form.length || !isParsleyReady()) {
+            return;
+        }
+
+        try {
+            var parsleyInstance = $form.parsley();
+            if (parsleyInstance && typeof parsleyInstance.refresh === 'function') {
+                parsleyInstance.refresh();
+            }
+        } catch (e) {
+            // no-op; keep existing form flow unchanged
+        }
+    }
+
+    function validateField(field) {
+        if (!field || isSkippableField(field) || !isParsleyReady()) {
+            return;
+        }
+
+        var $field = $(field);
+        var $form = $field.closest('form');
+        if (!$form.length || typeof $field.parsley !== 'function') {
+            return;
+        }
+
+        // Ensure dynamic fields also receive constraints before validation.
+        applyConstraints($form);
+        refreshParsleyInstance($form);
+
+        try {
+            $field.parsley().validate();
+        } catch (e) {
+            // no-op; avoid interfering with existing page scripts
+        }
+    }
+
+    function bindFormEvents(selector) {
+        var $form = $(selector);
+        if (!$form.length) {
+            return;
+        }
+
+        registerValidator();
+        applyConstraints($form);
+        refreshParsleyInstance($form);
+
+        $form.off(INCEPTION_NS);
+
+        $form.on('input' + INCEPTION_NS, 'input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+
+        $form.on('change' + INCEPTION_NS, 'select, input:not([type=hidden]), textarea', function () {
+            validateField(this);
+        });
+    }
+
+    function init() {
+        if (!isParsleyReady()) {
+            return;
+        }
+        FORM_SELECTORS.forEach(function (selector) {
+            bindFormEvents(selector);
+        });
+    }
+
+    $(function () {
+        init();
+    });
+
+    window.refreshInceptionFormValidation = function (formSelector) {
+        if (!formSelector || !isParsleyReady()) {
+            return;
+        }
+        bindFormEvents(formSelector);
+    };
+})(function () {
+    return window.jQuery;
+});
diff --git a/public/dev_logs/2026-04-06_opd_policy_terms_72_plan.md b/public/dev_logs/2026-04-06_opd_policy_terms_72_plan.md
new file mode 100644
index 00000000..2cb1952c
--- /dev/null
+++ b/public/dev_logs/2026-04-06_opd_policy_terms_72_plan.md
@@ -0,0 +1,157 @@
+# 2026-04-06 — OPD Policy Terms Plan (`policy_type_id = 72`)
+
+## Context
+
+- Policy type: `72`
+- Policy terms label: `OPD Policy Terms`
+- Requested fields/content:
+  - `Mode of Serviceability`
+  - `Eligibility`
+  - `Total Sum Insured limit - INR 15000`
+  - `In Person Doctor Consultation`
+  - `Prescribed Lab test (Pathology & Radiology)`
+  - `Prescribed Pharmacy`
+  - `Dental`
+  - `Vision`
+  - `Vaccination for children & adults`
+- Target view: `app/Views/other_policy_terms.php`
+
+## Problem Identified
+
+- OPD fields were visible in UI but not saved to DB for `policy_type_id = 72`.
+- Root cause: `app/Controllers/ClientController.php` in `otherPolicyTermsFormSubmit()` uses a strict field mapping for policy `72` and did not include the newly added OPD keys.
+- Impact: Submitted payload contained OPD fields, but controller dropped them before `policy_terms` JSON update.
+
+## Fix Plan
+
+1. Update `policy_type_id = 72` save mapping
+   - Add OPD keys to `$data` construction in `otherPolicyTermsFormSubmit()`.
+   - Include defaults where applicable (`total_sum_insured_limit` fallback to `INR 15000`).
+
+2. Keep existing family floater/age mapping unchanged
+   - Preserve current business logic for `family_floater`, `family_floaters`, and `age_ratio`.
+   - Add OPD terms in additive mode only.
+
+3. Validate controller integrity
+   - Run PHP syntax check for `ClientController.php`.
+   - Confirm no changes to unrelated policy type save flow.
+
+## New Requirement Plan - `_display` Checkbox -> `enrollment_display_key` for `other_policy_terms`
+
+### Reference behavior (from `app/Views/policy_gmc_terms.php`)
+
+- Each term row includes a checkbox with `name` ending in `_display`.
+- Only checked display keys are reflected in `enrollment_display_key`.
+- Existing loader flow reads `enrollment_display_key` and restores checkbox states.
+
+### Problem to solve in `other_policy_terms`
+
+- For policy type `72`, OPD fields currently do not have `*_display` checkboxes.
+- In controller, `otherPolicyTermsDisplayKeyConstruct()` currently builds `enrollment_display_key` only from special condition label/input pairs, not from `*_display` checkboxes.
+- Result: checkbox-driven display selection is not persisted/reloaded for OPD terms.
+
+### Implementation plan
+
+1. Add `*_display` checkboxes to OPD rows in `app/Views/other_policy_terms.php`
+   - For each OPD field (`mode_of_serviceability`, `eligibility`, `total_sum_insured_limit`, etc.), add a checkbox input:
+     - `name="<field_key>_display"`
+     - `id="<field_key>_display"`
+     - class `unchecked`
+     - default checked
+   - Keep checkbox + label + value input row layout aligned with existing non-72 dynamic term rows.
+
+2. Update `otherPolicyTermsDisplayKeyConstruct()` in `app/Controllers/ClientController.php`
+   - Extend logic to parse all incoming keys ending with `_display`.
+   - For each checked display key, map base key to human-readable label and value from the corresponding base field.
+   - Preserve current special-condition mapping behavior; merge both outputs into one `enrollment_display_key`.
+
+3. Keep save flow backward compatible
+   - Do not alter existing `policy_type_id == 72` family floater and age mapping.
+   - Ensure OPD values and `enrollment_display_key` are both saved in `policy_terms`.
+   - Keep non-72 flow unchanged.
+
+4. Restore checkbox states on load
+   - Reuse existing `processJsonObject`-style behavior in `other_policy_terms` (if missing, add equivalent) to set `*_display` checked state based on `enrollment_display_key`.
+   - Verify for both newly created and previously saved records.
+
+5. Validate end-to-end
+   - Save with mixed checked/unchecked OPD display checkboxes.
+   - Confirm DB JSON includes expected `enrollment_display_key` entries.
+   - Reload and verify display checkbox states are restored.
+
+## Implementation Plan
+
+1. Place OPD terms section immediately after `familyFloaterDiv_others_two`
+   - Keep `familyFloaterDiv_others_two` as the first visible block for policy `72`.
+   - Insert OPD terms container directly below it in the DOM order (not before it).
+   - Ensure the OPD section appears before special conditions.
+
+2. Add OPD-specific policy terms UI block
+   - Add dedicated OPD template/HTML for `policy_type_id = 72`.
+   - Render OPD rows as labeled text inputs with stable keys (`mode_of_serviceability`, `eligibility`, etc.).
+   - Keep field names in snake_case so they serialize cleanly into `policy_terms` JSON.
+
+3. Handle fixed sum insured limit cleanly
+   - Add a separate OPD field key like `total_sum_insured_limit`.
+   - Set default value as `15000` (or `INR 15000` based on UI format) for new entries.
+   - Keep numeric sanitization consistent with existing sum insured input behavior where applicable.
+
+4. Preserve existing `policy_type_id = 72` family floater behavior
+   - Do not remove current family floater section/logic already tied to `policy_type_id == 72`.
+   - Ensure OPD terms are additive and do not break `family_floater`, `family_floaters`, and `age_ratio` handling.
+
+5. Populate saved data on edit
+   - Reuse existing JSON hydration flow (`Object.keys(jsonObject)` loop) so OPD fields auto-populate by `name`.
+   - Confirm keys in UI match keys stored in policy terms JSON exactly.
+
+6. Validate display behavior
+   - Confirm form section opens for `policy_type_id > 5`.
+   - Confirm non-72 cleanup (`if(policy_type_id != 72)`) does not remove OPD fields when policy type is 72.
+   - Confirm OPD fields are not rendered for unrelated policy types.
+   - Confirm visual order is `familyFloaterDiv_others_two` -> OPD terms -> special conditions.
+
+7. QA checklist
+   - Create a new policy terms record for `policy_type_id = 72` with all OPD values.
+   - Reload and verify values repopulate correctly.
+   - Verify submit and autosave payload include OPD keys in `policy_terms`.
+   - Verify no regressions for policy types `6` and `7`.
+
+## Suggested Field Keys
+
+- `mode_of_serviceability`
+- `eligibility`
+- `total_sum_insured_limit`
+- `in_person_doctor_consultation`
+- `prescribed_lab_test_pathology_radiology`
+- `prescribed_pharmacy`
+- `dental`
+- `vision`
+- `vaccination_for_children_and_adults`
+
+## Tasks
+
+- [x] Place OPD section after `familyFloaterDiv_others_two` in UI order.
+- [x] Add `policy_type == 72` OPD HTML block in `appendPolicyTermsHTML()`.
+- [x] Ensure defaults are applied for total sum insured limit.
+- [x] Verify bind/populate works from existing JSON loader.
+- [x] Fix OPD term persistence in `ClientController::otherPolicyTermsFormSubmit()` for `policy_type_id = 72`.
+- [x] Add temporary debug logging for OPD72 save payload in controller.
+- [x] Add `*_display` checkboxes for OPD term rows in `other_policy_terms.php`.
+- [x] Extend `otherPolicyTermsDisplayKeyConstruct()` to include checked `*_display` keys.
+- [x] Ensure `enrollment_display_key` restores OPD checkbox states in `other_policy_terms.php`.
+- [ ] Verify DB `policy_terms.enrollment_display_key` for mixed checked/unchecked OPD fields.
+- [ ] Run manual UI verification for create/edit/submit/autosave.
+- [x] Confirm no regressions for other policy types (code-level condition check and syntax validation completed).
+- [ ] Remove temporary debug logging after verification.
+
+## Verification Notes
+
+- PHP syntax check passed for `app/Views/other_policy_terms.php` (`php -l`).
+- PHP syntax check passed for `app/Controllers/ClientController.php` (`php -l`).
+- Verified `policy_type_id == 72` now renders OPD fields in both create and edit flows.
+- Verified OPD fields are now rendered in a dedicated container placed after `familyFloaterDiv_others_two`.
+- Verified non-`72` cleanup blocks remain scoped (`sumInsuredDiv`/family floater removals are still excluded for `72`).
+- Added temporary controller debug log (`OPD72 save payload`) to confirm persisted key/value mapping during manual test.
+- Added OPD `*_display` checkboxes and controller mapping so checked fields are now included in `enrollment_display_key`.
+- Added `processOtherEnrollmentDisplayKey()` in `other_policy_terms.php` to restore OPD display checkbox states from saved `enrollment_display_key`.
+- Manual browser verification is still required for submit + autosave end-to-end confirmation.