share certificate and share product maker checker

src/app/shared/dormancy-alert-panel/dormancy-alert-panel.component.html

@@ -195,6 +195,9 @@
           @if (statusId >= 100) {
             <span class="dap__reached"><i class="fas fa-flag"></i> Threshold Reached</span>
             <span class="dap__card-hint">Account is inactive</span>
+          } @else if (isOverdue(daysToInactive)) {
+            <span class="dap__reached"><i class="fas fa-flag"></i> Overdue {{ -daysToInactive! }}d</span>
+            <span class="dap__card-hint">{{ inactiveSubtext() }}</span>
           } @else if (daysToInactive !== null) {
             <span class="dap__number" [class.dap__number--warn]="daysToInactive <= 30">
               {{ daysToInactive }}<small>days</small>
@@ -217,6 +220,9 @@
           @if (statusId >= 200) {
             <span class="dap__reached"><i class="fas fa-flag"></i> Threshold Reached</span>
             <span class="dap__card-hint">Account is dormant</span>
+          } @else if (isOverdue(daysToDormancy)) {
+            <span class="dap__reached"><i class="fas fa-flag"></i> Overdue {{ -daysToDormancy! }}d</span>
+            <span class="dap__card-hint">{{ dormancySubtext() }}</span>
           } @else if (daysToDormancy !== null) {
             <span class="dap__number" [class.dap__number--warn]="daysToDormancy <= 30">
               {{ daysToDormancy }}<small>days</small>
@@ -239,6 +245,9 @@
           @if (statusId >= 300) {
             <span class="dap__reached"><i class="fas fa-flag"></i> Threshold Reached</span>
             <span class="dap__card-hint">Pending regulatory transfer</span>
+          } @else if (isOverdue(daysToEscheat)) {
+            <span class="dap__reached"><i class="fas fa-flag"></i> Overdue {{ -daysToEscheat! }}d</span>
+            <span class="dap__card-hint">{{ escheatSubtext() }}</span>
           } @else if (daysToEscheat !== null) {
             <span class="dap__number" [class.dap__number--warn]="daysToEscheat <= 30">
               {{ daysToEscheat }}<small>days</small>
@@ -295,7 +304,9 @@
               {{ step.label }}
               <i class="fas fa-info-circle dap__tl-info"></i>
             </span>
-            @if (!step.reached && step.days !== null) {
+            @if (!step.reached && isOverdue(step.days)) {
+              <span class="dap__tl-reached-tag">Overdue {{ -step.days! }}d</span>
+            } @else if (!step.reached && step.days !== null) {
               <span class="dap__tl-days">{{ step.days }}d</span>
             } @else if (step.reached) {
               <span class="dap__tl-reached-tag">Reached</span>

src/app/shared/dormancy-alert-panel/dormancy-alert-panel.component.ts

@@ -113,12 +113,10 @@ export class DormancyAlertPanelComponent implements OnInit {
     }
 
     this.computeRiskFromAccount();
-    this.shouldShow =
-      this.isAlertEnabled ||
-      this.isMonitoringActive ||
-      this.statusId > 0 ||
-      (this.daysToInactive !== null && this.daysToInactive <= 90) ||
-      !!this.lastTxnDate;
+    // Only surface this panel once the account has actually left "Active" —
+    // i.e. subStatus is Inactive/Dormant/Escheat. A healthy active account
+    // (statusId === 0) should never show a danger-colored dormancy alert.
+    this.shouldShow = this.statusId > 0;
   }
 
   private computeRiskFromAccount(): void {
@@ -179,17 +177,36 @@ export class DormancyAlertPanelComponent implements OnInit {
     ];
   }
 
-  /** e.g. "Inactive after 30 days of no transaction" */
+  /** true when the threshold date has already passed but the batch job hasn't reclassified the account yet */
+  isOverdue(days: number | null): boolean {
+    return days !== null && days < 0;
+  }
+
+  /** e.g. "11d" when still counting down, "Overdue 5d" when the threshold date already passed */
+  daysLabel(days: number | null): string {
+    if (days === null) return '';
+    return this.isOverdue(days) ? `Overdue ${Math.abs(days)}d` : `${days}d`;
+  }
+
+  /** e.g. "Moves Active → Inactive after 30 days" */
   inactiveSubtext(): string {
-    return this.daysToInactive !== null ? `No transaction for ${this.daysToInactive} days` : 'Threshold not configured';
+    if (this.daysToInactive === null) return 'Threshold not configured';
+    return this.isOverdue(this.daysToInactive)
+      ? `Active → Inactive was due ${Math.abs(this.daysToInactive)} days ago`
+      : `Moves Active → Inactive after ${this.daysToInactive} days`;
   }
 
   dormancySubtext(): string {
-    const total = (this.daysToInactive ?? 0) + (this.daysToDormancy ?? 0);
-    return this.daysToDormancy !== null ? `${this.daysToDormancy} days after inactive` : 'Threshold not configured';
+    if (this.daysToDormancy === null) return 'Threshold not configured';
+    return this.isOverdue(this.daysToDormancy)
+      ? `Inactive → Dormant was due ${Math.abs(this.daysToDormancy)} days ago`
+      : `Moves Inactive → Dormant after ${this.daysToDormancy} days`;
   }
 
   escheatSubtext(): string {
-    return this.daysToEscheat !== null ? `${this.daysToEscheat} days after dormant` : 'Threshold not configured';
+    if (this.daysToEscheat === null) return 'Threshold not configured';
+    return this.isOverdue(this.daysToEscheat)
+      ? `Dormant → Escheat was due ${Math.abs(this.daysToEscheat)} days ago`
+      : `Moves Dormant → Escheat after ${this.daysToEscheat} days`;
   }
 }