Pay Later Checkout

Recreate the "Pay Later Checkout" screen in React Native using LumioUI.

Goal: Split a purchase into instalments, with a pie for each payment, plan options to compare and autopay. Confirming fills in today’s payment and shows when the next one is due. Match the reference implementation's layout, behavior, and motion exactly — this is a production screen, not a mockup.

## Setup

Fastest path — install the screen plus its component deps:

```bash
npx @lumioui/cli add pro/ecommerce-pay-later-checkout
```

Or pull just the components: `npx @lumioui/cli add animated-number button icon switch text`

Native packages:
- react-native-reanimated@*
- react-native-safe-area-context@*
- react-native-svg@*

Stack assumptions: Expo SDK 54 / RN 0.81, Reanimated 4, NativeWind v4, TypeScript strict, Expo Go compatible.

## Components — how, where, when

### `animated-number` — Number that moves to each new value as a calm count-up or a roll where only the changed digits turn, set in type or in dot-matrix LEDs whose dots switch on in place. Screen readers announce just the final value, not every step.
- `<AnimatedNumber>` ×2

### `button` — Pill button that presses down under your finger, in eight styles from solid to glass, with a built-in loading state that swaps in place while an action runs.
- imported but not rendered directly — likely used through a sibling or as a utility

### `icon` — Icon set drawn on one consistent grid, sized and coloured from your theme. The heart, star and bookmark can fill in place inside their outline, then fade back out.
- `<Icon>` ×3

### `switch` — On/off switch whose colour fills in from behind the thumb as it turns on. Turning off fades it back quickly, and a disabled switch gives a gentle flicker when tapped.
- `<Switch>` ×1

### `text` — Themed type scale from caption to display that follows light and dark mode. Includes a pull-quote style with an accent rule and a quieter dimmed tone for secondary text.
- `<Text>` ×30

## Conventions (non-negotiable)

- Styling via NativeWind `className` with semantic tokens only: `bg-background`, `text-foreground`, `bg-card`, `text-card-foreground`, `bg-secondary`, `bg-muted`, `text-muted-foreground`, `bg-accent`, `bg-destructive`, `border-border`. Hard-coded colors only inside media overlays (`text-white`, `bg-black/N`).
- Motion via the token presets from `@lumioui/core` (`spring.press`, `spring.surface`, `spring.glide`, `timing.fast`, `timing.slow`, …) — no bespoke spring configs or durations.
- Gate transform motion behind `useReducedMotion()`; keep opacity/color feedback, drop travel and overshoot.
- Haptics via `useHaptic()`: `light` on press, `selection` on toggle/select, `warning` on invalid input. Never import expo-haptics directly.
- Press feedback via `usePressAnimation()` (~0.97 scale), not `activeOpacity` tricks.
- a11y: `accessibilityRole` + `accessibilityLabel` on every control, touch targets ≥44pt.
- Entrance choreography: staggered `Mount` wrappers (delay 0/60/120…) so regions land in sequence instead of popping in at once.
- Wrap the screen in `SafeAreaView`; keep dark mode working via the semantic tokens.

## Deliverable

One file: `screens/ecommerce/pay-later-checkout.tsx` exporting PayLaterCheckoutScreen. Preserve the props interface — the host app wires the callbacks (navigation, submit handlers) through them.

## Reference implementation

This is a LumioUI Pro item: its source is not published in the docs. Install it with a Pro license key
(set `LUMIO_LICENSE_KEY`; keys are on lumioui.com/account) and read the installed file as the reference:

```bash
npx @lumioui/cli add pro/ecommerce-pay-later-checkout
```

The source lands at `screens/ecommerce/pay-later-checkout.tsx`.

Screen: https://lumioui.com/screens/ecommerce-pay-later-checkout