@extends('layouts.app')
@section('title', __('credit.title'))

@section('content')
<div class="d-flex justify-content-between align-items-center mb-3">
    <h5 class="mb-0"><i class="bi bi-graph-up me-1"></i> {{ __('credit.title') }} — {{ $application->application_number }}</h5>
    <a href="{{ route('applications.show', $application) }}" class="btn btn-secondary btn-sm">{{ __('app.back') }}</a>
</div>

<form action="{{ route('credit.store', $application) }}" method="POST">
    @csrf
    <div class="row g-3">
        {{-- Financial inputs --}}
        <div class="col-lg-7">
            <div class="card shadow-sm">
                <div class="card-header bg-white fw-bold">{{ __('credit.financial_inputs') }}</div>
                <div class="card-body">
                    <div class="row g-3">
                        @foreach($inputKeys as $key)
                            <div class="col-md-6">
                                <label class="form-label small">{{ __('credit.inputs.' . $key) }}</label>
                                <input type="number" step="0.01" class="form-control form-control-sm credit-input"
                                       name="inputs[{{ $key }}]" data-key="{{ $key }}"
                                       value="{{ old('inputs.' . $key, $inputs[$key] ?? '') }}">
                            </div>
                        @endforeach
                    </div>
                </div>
            </div>
        </div>

        {{-- Computed ratios + decision --}}
        <div class="col-lg-5">
            <div class="card shadow-sm mb-3">
                <div class="card-header bg-white fw-bold">{{ __('credit.ratios') }}</div>
                <ul class="list-group list-group-flush" id="ratios-list">
                    @foreach(['dpr','ltv','cov','revenue_growth','ebitda_margin','dscr','debt_to_ebitda','current_ratio','net_profit_margin'] as $r)
                        <li class="list-group-item d-flex justify-content-between py-1">
                            <span class="small">{{ __('credit.ratios_labels.' . $r) }}</span>
                            <strong id="ratio-{{ $r }}" class="small">—</strong>
                        </li>
                    @endforeach
                </ul>
            </div>

            <div class="card shadow-sm">
                <div class="card-header bg-white fw-bold">{{ __('credit.decision_panel') }}</div>
                <div class="card-body">
                    <div class="mb-2">
                        <label class="form-label small">{{ __('credit.risk_level') }}</label>
                        <select name="risk_rating" id="risk_rating" class="form-select form-select-sm">
                            <option value="">—</option>
                            <option value="low">{{ __('credit.risk.low') }}</option>
                            <option value="medium">{{ __('credit.risk.medium') }}</option>
                            <option value="high">{{ __('credit.risk.high') }}</option>
                        </select>
                        <div class="form-text" id="risk-suggestion"></div>
                    </div>
                    <div class="mb-2">
                        <label class="form-label small">{{ __('credit.recommendation') }}</label>
                        <select name="decision" class="form-select form-select-sm">
                            <option value="approve">{{ __('credit.decisions.approve') }}</option>
                            <option value="need_more_documents">{{ __('credit.decisions.need_more_documents') }}</option>
                            <option value="reject">{{ __('credit.decisions.reject') }}</option>
                        </select>
                    </div>
                    <div class="row g-2 mb-2">
                        <div class="col-6"><label class="form-label small">SIMAH</label>
                            <input type="number" name="simah_score" class="form-control form-control-sm" value="{{ old('simah_score') }}"></div>
                        <div class="col-6"><label class="form-label small">{{ __('app.approved_amount') }}</label>
                            <input type="number" step="0.01" name="recommended_amount" class="form-control form-control-sm" value="{{ old('recommended_amount') }}"></div>
                    </div>
                    <div class="mb-2">
                        <label class="form-label small">{{ __('credit.notes') }}</label>
                        <textarea name="notes" class="form-control form-control-sm" rows="2">{{ old('notes') }}</textarea>
                    </div>
                    <button type="submit" class="btn btn-primary w-100"><i class="bi bi-check-lg"></i> {{ __('app.save') }}</button>
                </div>
            </div>
        </div>
    </div>
</form>
@endsection

@push('scripts')
<script>
// Live ratio calculation — mirrors CreditAnalysisService (server recomputes authoritatively on save).
const I = {};
function num(k){ const v = parseFloat(I[k]); return isNaN(v) ? null : v; }
function ratio(n, d, scale){ return (n===null||d===null||d===0) ? null : +(n/d*scale).toFixed(2); }
function growth(c, p){ return (c===null||p===null||p===0) ? null : +((c-p)/Math.abs(p)*100).toFixed(2); }

function recompute(){
    $('.credit-input').each(function(){ I[$(this).data('key')] = $(this).val(); });
    const r = {
        dpr: ratio(num('total_obligations'), num('monthly_income'), 100),
        ltv: ratio(num('loan_amount'), num('asset_value'), 100),
        cov: ratio(num('vacancy_loss'), num('gross_rental_income'), 100),
        revenue_growth: growth(num('revenue_current'), num('revenue_previous')),
        ebitda_margin: ratio(num('ebitda'), num('revenue_current'), 100),
        dscr: ratio(num('net_operating_income'), num('total_debt_service'), 1),
        debt_to_ebitda: ratio(num('total_debt'), num('ebitda'), 1),
        current_ratio: ratio(num('current_assets'), num('current_liabilities'), 1),
        net_profit_margin: ratio(num('net_profit'), num('revenue_current'), 100),
    };
    Object.keys(r).forEach(k => $('#ratio-'+k).text(r[k]===null ? '—' : r[k]));

    // Risk heuristic (matches server)
    let bad = 0, crit = false;
    if (r.dpr!==null){ if(r.dpr>65){bad++;crit=true;} else if(r.dpr>45) bad++; }
    if (r.ltv!==null){ if(r.ltv>90){bad++;crit=true;} else if(r.ltv>75) bad++; }
    if (r.dscr!==null){ if(r.dscr<1){bad++;crit=true;} else if(r.dscr<1.25) bad++; }
    if (r.current_ratio!==null && r.current_ratio<1) bad++;
    if (r.debt_to_ebitda!==null){ if(r.debt_to_ebitda>5){bad++;crit=true;} else if(r.debt_to_ebitda>3) bad++; }
    if (r.net_profit_margin!==null && r.net_profit_margin<0) bad++;
    const risk = (crit||bad>=3) ? 'high' : (bad>=1 ? 'medium' : 'low');
    $('#risk-suggestion').text('{{ __('credit.suggested') }}: ' + risk);
    if (!$('#risk_rating').val()) $('#risk_rating').val(risk);
}
$(function(){ $('.credit-input').on('input', recompute); recompute(); });
</script>
@endpush