cbsnexora/src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.ts

/**
 * Copyright since 2025 Mifos Initiative
 *
 * This Source Code Form is subject to the terms of the Mozilla Public
 * License, v. 2.0. If a copy of the MPL was not distributed with this
 * file, You can obtain one at http://mozilla.org/MPL/2.0/.
 */

import {
  Component,
  Input,
  OnChanges,
  SimpleChanges,
  Output,
  EventEmitter,
  ViewChild,
  ChangeDetectorRef,
  inject
} from '@angular/core';
import {
  MatTableDataSource,
  MatTable,
  MatColumnDef,
  MatHeaderCellDef,
  MatHeaderCell,
  MatCellDef,
  MatCell,
  MatHeaderRowDef,
  MatHeaderRow,
  MatRowDef,
  MatRow
} from '@angular/material/table';
import { animate, state, style, transition, trigger } from '@angular/animations';
import { NgIf, NgSwitch, TitleCasePipe, DecimalPipe } from '@angular/common';
import { FormsModule } from '@angular/forms';
import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
import { FixedDepositsService } from '../../fixed-deposits.service';
import { ClientsService } from 'app/clients/clients.service';
import { SettingsService } from 'app/settings/settings.service';
import { SENIOR_CITIZEN_AGE_THRESHOLD, deriveSeniorCitizenStatus } from 'app/clients/shared/client-age.util';

export type FdPeriodUnit = 'Days' | 'Months' | 'Years';

export interface SlabMatchResult {
  slab: any;
  slabIndex: number;
  appliedRate: number;
  estimatedMonthlyPayout?: number;
  maturityAmount?: number;
  interestEarned?: number;
  tenureDays?: number;
}

@Component({
  selector: 'mifosx-fixed-deposit-account-interest-rate-chart-step',
  templateUrl: './fixed-deposit-account-interest-rate-chart-step.component.html',
  styleUrls: ['./fixed-deposit-account-interest-rate-chart-step.component.scss'],
  animations: [
    trigger('expandChartSlab', [
      state('collapsed', style({ height: '0px', minHeight: '0' })),
      state('expanded', style({ height: '*' })),
      transition('expanded <=> collapsed', animate('225ms cubic-bezier(0.4, 0.0, 0.2, 1)'))
    ])
  ],
  imports: [
    ...STANDALONE_SHARED_IMPORTS,
    FormsModule,
    MatTable,
    MatColumnDef,
    MatHeaderCellDef,
    MatHeaderCell,
    MatCellDef,
    MatCell,
    NgSwitch,
    MatHeaderRowDef,
    MatHeaderRow,
    MatRowDef,
    MatRow,
    TitleCasePipe,
    DateFormatPipe,
    DecimalPipe
  ]
})
export class FixedDepositAccountInterestRateChartStepComponent implements OnChanges {
  private fixedDepositsService = inject(FixedDepositsService);
  private clientsService = inject(ClientsService);
  private settingsService = inject(SettingsService);
  private cdr = inject(ChangeDetectorRef);

  @Input() fixedDepositsAccountTemplate: any;
  @Input() fixedDepositsAccountProductTemplate: any;
  /** Active CBS base interest rate versions — when provided, overrides the product chart slabs */
  @Input() cbsBaseRates: any[] = [];
  /** Pre-populate tenure from existing account (edit mode) */
  @Input() initialTenure: {
    depositPeriod: number;
    depositPeriodFrequencyId: number;
    depositAmount?: number;
    isSeniorCitizen?: boolean;
    appliedRate?: number;
  } | null = null;
  /** Submission date for exact calculation (passed from create/edit form) */
  @Input() submittedOnDate: Date | null = null;

  activeBase: any = null;

  @Output() tenureSelected = new EventEmitter<{
    depositPeriod: number;
    depositPeriodFrequencyId: number;
    depositAmount?: number;
    maturityAmount?: number;
    interestEarned?: number;
    appliedRate?: number;
    isSeniorCitizen?: boolean;
  }>();

  interestRateChartData: any[] = [];

  chartSlabsDisplayedColumns: string[] = [
    'period',
    'amountRange',
    'interest',
    'seniorCitizenRate',
    'description',
    'actions'
  ];

  /**
   * Derived from the client's own date of birth -- never staff-editable. Setting this by hand is what
   * let a 24-year-old's FD get priced at the senior-citizen rate, so the checkbox is display-only and
   * this value comes solely from {@link deriveSeniorCitizenStatus}.
   */
  isSeniorCitizen = false;
  readonly seniorCitizenAgeThreshold = SENIOR_CITIZEN_AGE_THRESHOLD;
  /** Client age in completed years, or null when the DOB is unknown / the client is an entity. */
  clientAge: number | null = null;
  /** False for a company/entity client, which has no age and so can never qualify. */
  clientIsIndividual = true;
  /** True once the client lookup has come back, so the UI can explain the locked checkbox honestly. */
  clientAgeResolved = false;
  incentivesDisplayedColumns: string[] = [
    'entityType',
    'attributeName',
    'conditionType',
    'attributeValue',
    'incentiveType',
    'amount'
  ];
  chartSlabsIncentivesDisplayedColumns: string[] = ['incentives'];

  expandChartSlabIndex: number | null = null;

  @ViewChild('chartsTable', { static: true }) chartsTableRef: MatTable<Element>;

  // ── Tenure Calculator ───────────────────────────────────────────────────
  tenureValue: number | null = null;
  tenurePeriodUnit: FdPeriodUnit = 'Days';
  principalAmount: number | null = null;

  get showPrincipalInput(): boolean {
    return true; // shown for all FD types
  }

  matchResult: SlabMatchResult | null = null;
  validationWarning: string | null = null;

  // ── FD Type labels ──────────────────────────────────────────────────────
  readonly fdTypeLabels: Record<string, string> = {
    SINGLE: 'FD Single (Days < 1 Year)',
    DOUBLE: 'FD Double (≥ 1 Year)',
    SPECIAL: 'FD Special (Monthly Interest Payout)'
  };

  get fdType(): string {
    return this.fixedDepositsAccountProductTemplate?.fdType || '';
  }

  get fdTypeLabel(): string {
    return this.fdTypeLabels[this.fdType] || this.fdType;
  }

  /** Period unit options driven by fdType */
  get allowedPeriodUnits(): FdPeriodUnit[] {
    if (this.fdType === 'SINGLE') return ['Days'];
    if (this.fdType === 'DOUBLE') return [
        'Months',
        'Years'
      ];
    return [
      'Days',
      'Months',
      'Years'
    ];
  }

  get isSpecial(): boolean {
    return this.fdType === 'SPECIAL';
  }

  ngOnChanges(changes: SimpleChanges) {
    if (changes['fixedDepositsAccountTemplate']) {
      this.resolveSeniorCitizenFromClient();
    }
    // Only reset/re-apply when TEMPLATE or cbsBaseRates changes, NOT when initialTenure/submittedOnDate changes alone
    const templateChanged = changes['fixedDepositsAccountProductTemplate'] || changes['cbsBaseRates'];
    if (templateChanged && this.fixedDepositsAccountProductTemplate) {
      const fdType = this.fixedDepositsAccountProductTemplate?.fdType;
      this.activeBase = (this.cbsBaseRates || []).find((r) => r.fdType === fdType && r.isActive);
      this.interestRateChartData = this.activeBase?.slabs
        ? this.normalizeCbsSlabs(this.activeBase.slabs)
        : (this.fixedDepositsAccountProductTemplate.accountChart?.chartSlabs ?? []);
      if (this.chartsTableRef) {
        this.chartsTableRef.renderRows();
      }
      this.resetCalculator();
      this.tenurePeriodUnit = this.allowedPeriodUnits[0];
      // Pre-fill tenure in edit mode
      this.applyInitialTenure();
    }
  }

  private applyInitialTenure(): void {
    if (!this.initialTenure?.depositPeriod) {
      return;
    }
    // Map frequency ID to period unit: Days=0, Weeks=1, Months=2, Years=3
    const freqId = this.initialTenure.depositPeriodFrequencyId;
    const unitMap: Record<number, FdPeriodUnit> = { 0: 'Days', 1: 'Days', 2: 'Months', 3: 'Years' };
    const unit: FdPeriodUnit = unitMap[freqId] ?? 'Months';
    if (this.allowedPeriodUnits.includes(unit)) {
      this.tenurePeriodUnit = unit;
    } else {
      this.tenurePeriodUnit = this.allowedPeriodUnits[0];
    }
    this.tenureValue = this.initialTenure.depositPeriod;
    if (this.initialTenure.depositAmount) {
      this.principalAmount = this.initialTenure.depositAmount;
    }
    // Deliberately NOT restoring initialTenure.isSeniorCitizen: the flag is derived from the client's
    // date of birth in resolveSeniorCitizenFromClient(). Re-applying a stored value here would carry a
    // previously mis-set flag forward on every edit, which is exactly how a 24-year-old's FD kept its
    // senior-citizen rate.
    // Auto-calculate when tenure is pre-filled (edit mode)
    setTimeout(() => this.calculateRate(), 0);
  }

  private normalizeCbsSlabs(slabs: any[]): any[] {
    return (slabs || []).map((s) => ({
      ...s,
      periodType: { id: s.periodTypeEnum, value: s.periodTypeLabel }
    }));
  }

  // Convert entered tenure to Days for slab matching
  private toDays(value: number, unit: FdPeriodUnit): number {
    if (unit === 'Days') return value;
    if (unit === 'Months') return value * 30;
    return value * 365;
  }

  // Convert slab period (which is stored in its own periodType) to days
  private slabPeriodToDays(period: number, periodTypeValue: string): number {
    const p = (periodTypeValue || '').toLowerCase();
    if (p.includes('month')) return period * 30;
    if (p.includes('year')) return period * 365;
    return period; // days
  }

  calculateRate() {
    this.validationWarning = null;
    this.matchResult = null;

    if (!this.tenureValue || this.tenureValue <= 0) {
      this.validationWarning = 'Please enter a valid tenure value greater than 0.';
      return;
    }

    // FD Type specific validation
    const enteredDays = this.toDays(this.tenureValue, this.tenurePeriodUnit);

    if (this.fdType === 'SINGLE' && enteredDays >= 365) {
      this.validationWarning =
        'FD Single allows tenure less than 1 year (max 364 days). Please enter a shorter tenure.';
      return;
    }

    if (this.fdType === 'DOUBLE' && enteredDays < 365) {
      this.validationWarning =
        'FD Double requires tenure of at least 1 year (minimum 12 months). Please enter a longer tenure.';
      return;
    }

    const slabs: any[] = this.interestRateChartData || [];
    if (!slabs.length) {
      this.validationWarning = 'No interest rate slabs are defined for this product.';
      return;
    }

    let matchedSlab: any = null;
    let matchedIndex = -1;

    for (let i = 0; i < slabs.length; i++) {
      const slab = slabs[i];
      const periodTypeValue = slab.periodType?.value || 'Days';
      const fromDays = this.slabPeriodToDays(slab.fromPeriod ?? 0, periodTypeValue);
      const toDays = slab.toPeriod != null ? this.slabPeriodToDays(slab.toPeriod, periodTypeValue) : Infinity;

      if (enteredDays >= fromDays && enteredDays <= toDays) {
        matchedSlab = slab;
        matchedIndex = i;
        break;
      }
    }

    if (!matchedSlab) {
      this.validationWarning =
        'No applicable interest rate slab found for the entered tenure. Please check the rate chart below.';
      return;
    }

    const rate =
      this.isSeniorCitizen && (matchedSlab.seniorCitizenRate ?? 0) > 0
        ? (matchedSlab.seniorCitizenRate ?? 0)
        : (matchedSlab.annualInterestRate ?? 0);
    const result: SlabMatchResult = {
      slab: matchedSlab,
      slabIndex: matchedIndex,
      appliedRate: rate,
      tenureDays: enteredDays
    };

    this.matchResult = result; // Show slab match immediately, maturity updates async if principal entered
    const frequencyId = this.resolveFrequencyId(this.tenurePeriodUnit);

    if (this.principalAmount && this.principalAmount > 0) {
      // Years and Months convert exactly; a Days tenure is sent as days and never converted.
      let tenureInMonths: number | undefined;
      let tenureInDays: number | undefined;
      if (this.tenurePeriodUnit === 'Years') {
        tenureInMonths = this.tenureValue * 12;
      } else if (this.tenurePeriodUnit === 'Months') {
        tenureInMonths = this.tenureValue;
      } else {
        // Sent as days, whatever the count. Converting to whole months silently dropped the
        // remainder — a 200-day deposit quoted as six months lost 20 days of interest, and the
        // screen still said "200 Days" above the figure. The backend takes days directly and
        // works the calendar out itself.
        tenureInDays = enteredDays;
      }

      // Map compounding period type id → months (0=Daily, 1=Daily, 4=Monthly, 5=Quarterly, 6=SemiAnnual, 7=Annual)
      const compMap: Record<number, number> = { 1: 0, 4: 1, 5: 3, 6: 6, 7: 12 };
      const compId = this.fixedDepositsAccountProductTemplate?.interestCompoundingPeriodType?.id ?? 4;
      const compMonths = compMap[compId] ?? 1;

      // Map posting period type id → months
      const postId = this.fixedDepositsAccountProductTemplate?.interestPostingPeriodType?.id ?? 4;
      const postMonths = compMap[postId] ?? 1;

      const emitResult = () => {
        if (frequencyId !== null) {
          this.tenureSelected.emit({
            depositPeriod: this.tenureValue,
            depositPeriodFrequencyId: frequencyId,
            depositAmount: this.principalAmount || undefined,
            maturityAmount: result.maturityAmount,
            interestEarned: result.interestEarned,
            appliedRate: result.appliedRate,
            isSeniorCitizen: this.isSeniorCitizen
          });
        }
      };

      // Get submittedOnDate — Input takes priority over template data
      let submittedOnDateStr: string;
      if (this.submittedOnDate) {
        submittedOnDateStr = this.submittedOnDate.toISOString().split('T')[0];
      } else {
        const submittedOnDateRaw =
          this.fixedDepositsAccountTemplate?.timeline?.submittedOnDate ??
          this.fixedDepositsAccountProductTemplate?.timeline?.submittedOnDate;
        if (submittedOnDateRaw) {
          const d = Array.isArray(submittedOnDateRaw)
            ? new Date(submittedOnDateRaw[0], submittedOnDateRaw[1] - 1, submittedOnDateRaw[2])
            : new Date(submittedOnDateRaw);
          submittedOnDateStr = !isNaN(d.getTime())
            ? d.toISOString().split('T')[0]
            : new Date().toISOString().split('T')[0];
        } else {
          submittedOnDateStr = new Date().toISOString().split('T')[0];
        }
      }
      const daysInYearVal =
        this.fixedDepositsAccountProductTemplate?.interestCalculationDaysInYearType?.id === 360 ? 360 : 365;

      // Always use backend API for accurate calculation (including daily compounding with 0)
      this.fixedDepositsService
        .calculateFixedDepositInterest({
          principalAmount: this.principalAmount,
          annualInterestRate: rate,
          tenureInMonths,
          tenureInDays,
          interestCompoundingPeriodInMonths: compMonths, // 0 = daily, now supported by backend
          interestPostingPeriodInMonths: postMonths,
          submittedOnDate: submittedOnDateStr,
          daysInYear: daysInYearVal
        })
        .subscribe({
          next: (apiResult: any) => {
            result.maturityAmount = apiResult.maturityAmount;
            result.interestEarned =
              apiResult.totalInterest ?? Math.round((apiResult.maturityAmount - this.principalAmount) * 100) / 100;
            this.matchResult = { ...result };
            emitResult();
          },
          error: () => {
            // Fallback if API fails: frontend formula
            const r = rate / 100;
            if (compMonths === 0) {
              // Daily compounding fallback
              result.maturityAmount =
                Math.round(this.principalAmount * Math.pow(1 + r / daysInYearVal, enteredDays) * 100) / 100;
            } else {
              const n = 12 / compMonths;
              const effectiveMonths = tenureInMonths ?? enteredDays / 30;
              const rPerCompounding = rate / (n * 100);
              // Whole compounding periods, then simple interest on the days left over. Flooring the
              // periods and stopping there dropped the remainder entirely: a 200-day deposit
              // compounding monthly quoted only six months of interest and lost the other twenty
              // days, which is the depositor's money.
              const wholePeriods = Math.floor(effectiveMonths / compMonths);
              const compounded = this.principalAmount * Math.pow(1 + rPerCompounding, wholePeriods);
              const leftoverDays = enteredDays - wholePeriods * compMonths * 30;
              const leftoverInterest =
                leftoverDays > 0 ? (compounded * rate * leftoverDays) / (100 * daysInYearVal) : 0;
              result.maturityAmount = Math.round((compounded + leftoverInterest) * 100) / 100;
            }
            result.interestEarned = Math.round((result.maturityAmount - this.principalAmount) * 100) / 100;
            this.matchResult = { ...result };
            emitResult();
          }
        });
    } else {
      this.matchResult = result;
      if (frequencyId !== null) {
        this.tenureSelected.emit({
          depositPeriod: this.tenureValue,
          depositPeriodFrequencyId: frequencyId,
          depositAmount: undefined,
          maturityAmount: undefined,
          interestEarned: undefined,
          appliedRate: result.appliedRate,
          isSeniorCitizen: this.isSeniorCitizen
        });
      }
    }
  }

  private resolveFrequencyId(unit: FdPeriodUnit): number | null {
    const options: any[] = this.fixedDepositsAccountProductTemplate?.periodFrequencyTypeOptions ?? [];
    const unitLower = unit.toLowerCase();
    const match = options.find((o: any) => (o.value || '').toLowerCase().includes(unitLower));
    if (match) return match.id;
    // Fineract standard fallback: Days=0, Months=2, Years=3
    const fallback: Record<FdPeriodUnit, number> = { Days: 0, Months: 2, Years: 3 };
    return fallback[unit] ?? null;
  }

  resetCalculator() {
    this.tenureValue = null;
    this.principalAmount = null;
    this.matchResult = null;
    this.validationWarning = null;
    this.tenurePeriodUnit = this.allowedPeriodUnits[0];
  }

  onPeriodUnitChange() {
    this.matchResult = null;
    this.validationWarning = null;
  }

  /**
   * Derives the senior-citizen flag from the client's date of birth. Runs whenever the account template
   * arrives (create and edit alike), so the flag always reflects the customer on record rather than
   * whatever was ticked -- or previously saved -- by hand.
   */
  private resolveSeniorCitizenFromClient(): void {
    const clientId = this.fixedDepositsAccountTemplate?.clientId ?? this.fixedDepositsAccountTemplate?.id;
    if (!clientId) {
      return;
    }
    this.clientsService.getClientData(String(clientId)).subscribe((client: any) => {
      const status = deriveSeniorCitizenStatus(client, this.settingsService.businessDate);
      this.clientAge = status.age;
      this.clientIsIndividual = status.isIndividual;
      this.isSeniorCitizen = status.isSeniorCitizen;
      this.clientAgeResolved = true;
      // Re-price against the now-known status if a tenure was already entered.
      this.onSeniorCitizenChange();
      this.cdr.detectChanges();
    });
  }

  /** Explains the locked checkbox to staff, so a missing benefit never looks like a system fault. */
  get seniorCitizenHint(): string {
    if (!this.clientAgeResolved) {
      return 'Determined from the client’s date of birth';
    }
    if (!this.clientIsIndividual) {
      return 'Not applicable to a non-individual client';
    }
    if (this.clientAge === null) {
      return 'Client has no date of birth on record';
    }
    if (this.isSeniorCitizen) {
      return `Client is ${this.clientAge} years old — higher rate applied`;
    }
    return `Client is ${this.clientAge} — applies from age ${this.seniorCitizenAgeThreshold}`;
  }

  onSeniorCitizenChange() {
    if (this.tenureValue && this.tenureValue > 0) {
      this.calculateRate();
    } else {
      this.matchResult = null;
    }
  }

  isMatchedSlab(index: number): boolean {
    return this.matchResult?.slabIndex === index;
  }

  get chartName(): string {
    if (this.activeBase) {
      return this.activeBase.versionLabel || 'CBS Base Interest Rate';
    }
    return this.fixedDepositsAccountProductTemplate?.accountChart?.name || 'CBS Base Interest Rate';
  }

  get chartFromDate(): any {
    if (this.activeBase) {
      return this.activeBase.effectiveFromDate;
    }
    return this.fixedDepositsAccountProductTemplate?.accountChart?.fromDate;
  }

  get chartEndDate(): any {
    if (this.activeBase) {
      return null;
    }
    return this.fixedDepositsAccountProductTemplate?.accountChart?.endDate;
  }

  get chartDescription(): string {
    if (this.activeBase) {
      return this.activeBase.remarks || '';
    }
    return this.fixedDepositsAccountProductTemplate?.accountChart?.description || '';
  }

  get isActive(): boolean {
    if (this.activeBase) {
      return this.activeBase.isActive;
    }
    const template = this.fixedDepositsAccountProductTemplate || this.fixedDepositsAccountTemplate;
    return template?.accountChart?.isActive ?? true;
  }

  get isPrimaryGroupingByAmount(): boolean {
    return !!this.fixedDepositsAccountProductTemplate?.accountChart?.isPrimaryGroupingByAmount;
  }
}