NYCPlanning/labs-applicant-portal ? reverse-engineered prompt

Build me the Labs Applicant Portal for NYC Planning, a website where New Yorkers can apply for zoning permits online and pay for them.

I want a clean client and server app that supports the full application flow, including forms, login, and payment related steps, with the frontend and backend working together in local development. Please make sure it works in a way that matches a real government service, with secure cookie handling and SSL for local use.

Also include a simple maintenance mode so the site can warn users before downtime, disable login during the maintenance window, and go back to normal afterward based on start and end dates from environment settings.

If you need to check anything current about the tools or setup, look up the latest docs online. After building it, please make sure the app runs smoothly in development and that both sides are set up cleanly for testing and linting too.