cbsnexora/src/app/loan-origination/loan-pipeline/loan-pipeline.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, OnInit, inject } from '@angular/core';
import { CommonModule } from '@angular/common';
import { FormsModule } from '@angular/forms';
import { ActivatedRoute, Router, RouterModule } from '@angular/router';
import { AuthenticationService } from '../../core/authentication/authentication.service';
import { ClientsService } from '../../clients/clients.service';
import { ExportSheetSpec, exportWorkbook } from '../../cashier/cashier-export';
import { LoanOriginationService, officeBranchCode } from '../loan-origination.service';
import { LoanProductCatalogService } from '../../loans/services/loan-product-catalog.service';
import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from '../../products/loan-products/loan-product-types';
import {
  BranchMaster,
  branchTargetAmount,
  Channel,
  CHANNEL_LABELS,
  CHANNEL_TARGET_PCT,
  CustomerType,
  generateSeedApplications,
  LoanApplication,
  ORIGINATION_PRODUCTS,
  registerOriginationProduct,
  OriginationStage,
  OverallStatus,
  PRODUCT_TARGET_PCT,
  ProductType,
  SHARE_LINKAGE_SLABS,
  STAGE_LABELS,
  STAGE_ORDER,
  STATUS_LABELS,
  TARGET_STATUS_LABELS,
  TargetStatus,
  createApplication,
  progressPct,
  stageBadgeClass,
  targetStatus,
  todayDDMMYYYY
} from '../loan-origination-data';

interface ChannelReportRow {
  channel: Channel;
  label: string;
  count: number;
  requestedAmount: number;
  disbursedCount: number;
  disbursedAmount: number;
}

interface BcReportRow {
  bcAgentName: string;
  count: number;
  requestedAmount: number;
  disbursedCount: number;
  disbursedAmount: number;
}

interface BranchTargetRow {
  branchCode: string;
  branchName: string;
  target: number;
  actual: number;
  achievementPct: number;
  status: TargetStatus;
}

interface MixTargetRow {
  code: string;
  label: string;
  targetPct: number;
  actualPct: number;
  variancePct: number;
  status: TargetStatus;
  /** True only for the two rows whose target is an actual RBI PSL sub-target (Agriculture 18% /
   *  Micro Enterprises 7.5% of ANBC) rather than an internal business-plan assumption. */
  isRbiMandated: boolean;
}

interface AmountSlabRow {
  minAmt: number;
  maxAmt: number | null;
  sharePercent: number;
  /** Share Capital required at the slab's lower and upper bound, so the rupee amount is visible
   *  without officers having to do the multiplication themselves. */
  shareAtMin: number;
  shareAtMax: number | null;
}

type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target' | 'rates';

/**
 * Loan Origination pipeline — every application currently moving through the sanctioning
 * workflow (Application → KYC → CIC Check → Field Investigation → Personal Discussion → Credit
 * Committee → Risk Approval → Legal Approval → Customer Signing → Cheque/ACH → Post-Check →
 * Disbursed), plus the Channel-wise / BC-wise / Share Member reports and a New Application
 * intake form. Every count/total here is derived from the same applications loaded from the
 * database, so the pipeline view can never drift from an application's real state.
 */
@Component({
  selector: 'mifosx-loan-pipeline',
  templateUrl: './loan-pipeline.component.html',
  styleUrls: [
    '../../cashier/cashier-shared.scss',
    '../../investment/investment-shared.scss',
    '../../npa/npa-shared.scss',
    '../loan-origination-shared.scss'
  ],
  standalone: true,
  imports: [
    CommonModule,
    FormsModule,
    RouterModule
  ]
})
export class LoanPipelineComponent implements OnInit {
  readonly stageOrder = STAGE_ORDER;
  readonly stageLabels = STAGE_LABELS;
  readonly statusLabels = STATUS_LABELS;
  readonly channelLabels = CHANNEL_LABELS;
  /** The bank's offices (real). Until they load, the logged-in user's own office is the only choice. */
  branches: BranchMaster[] = [];
  /** Active products saved in Product Creation -- the only products an application can be taken for. */
  dbProducts: any[] = [];
  loadingProducts = true;
  readonly productGroups = PRODUCT_TYPE_GROUPS;
  readonly products = ORIGINATION_PRODUCTS;
  readonly shareLinkageSlabs = SHARE_LINKAGE_SLABS;
  asOnDate = todayDDMMYYYY();

  activeView: ViewId = 'pipeline';

  isHeadOffice = false;
  currentOfficeName = 'Branch Office';
  private ownBranchCode: string | null = null;
  branchFilter = '';

  channelFilter = '';
  stageFilter = '';
  statusFilter = '';
  searchText = '';

  readonly pageSize = 20;
  currentPage = 1;

  generating = false;

  newApp = {
    channel: 'BRANCH' as Channel,
    bcAgentName: '',
    customerType: 'NEW' as CustomerType,
    applicantName: '',
    clientId: null as number | null,
    branchCode: '',
    productGroup: '',
    productSubType: '',
    productCode: '',
    productType: 'TERM_LOAN' as ProductType,
    requestedAmount: null as number | null,
    tenureMonths: null as number | null
  };

  /** Sub types of the chosen Product Type that actually have an active product saved. */
  get subTypeOptions() {
    const group = this.newApp.productGroup;
    return (PRODUCT_SUB_TYPES[group] ?? []).filter((t) =>
      this.dbProducts.some(
        (p) => p.advanceExtensions?.productTypeGroup === group && p.advanceExtensions?.productTypeSubGroup === t.id
      )
    );
  }

  /** The products saved in the database for the chosen Product Type and Sub Type. */
  get productOptions(): any[] {
    return this.dbProducts.filter(
      (p) =>
        p.advanceExtensions?.productTypeGroup === this.newApp.productGroup &&
        p.advanceExtensions?.productTypeSubGroup === this.newApp.productSubType
    );
  }

  /** Only the tenures the chosen product allows (its min to max, in months). */
  get tenureOptions(): number[] {
    const p = this.selectedProduct;
    if (!p) {
      return [];
    }
    return Array.from({ length: Math.max(0, p.maxTenure - p.minTenure + 1) }, (_, i) => p.minTenure + i);
  }

  get selectedProduct() {
    return this.products.find((p) => p.code === this.newApp.productCode) || null;
  }

  onProductGroupChange(): void {
    this.newApp.productSubType = '';
    this.newApp.productCode = '';
  }

  onSubTypeChange(): void {
    const options = this.productOptions;
    this.newApp.productCode = options.length === 1 ? options[0].shortName : '';
    this.onProductChange();
  }

  /** Advances have no EMI (revolving limit); Loans are EMI term loans. */
  onProductChange(): void {
    this.newApp.productType = this.newApp.productGroup === 'advances' ? 'OVERDRAFT' : 'TERM_LOAN';
    const product = this.selectedProduct;
    this.newApp.tenureMonths = product ? product.minTenure : null;
  }

  /** Existing-customer search (real Fineract clients, unlike the rest of this mock pipeline). */
  existingClientSearchText = '';
  existingClientSearchResults: any[] = [];
  searchingExistingClient = false;
  private existingClientSearchTimer: any;

  toastMsg = '';
  toastVisible = false;
  private toastTimer: ReturnType<typeof setTimeout> | undefined;

  private readonly route = inject(ActivatedRoute);
  private readonly router = inject(Router);
  private readonly auth = inject(AuthenticationService);
  private readonly clientsService = inject(ClientsService);
  private readonly originationService = inject(LoanOriginationService);
  private readonly catalog = inject(LoanProductCatalogService);

  /** The live book, loaded from the database. Every count, report and filter on this screen derives
   *  from this one array, so the list can never disagree with what an application actually says. */
  applications: LoanApplication[] = [];
  loadingApplications = false;
  savingNewApplication = false;

  ngOnInit(): void {
    const requestedView = this.route.snapshot.queryParamMap.get('view') as ViewId | null;
    if (requestedView && [
        'pipeline',
        'new',
        'channel',
        'bc',
        'share',
        'target',
        'rates'
      ].includes(requestedView)) {
      this.activeView = requestedView;
    }

    // Lets a menu link (e.g. "Loan Committee") land here pre-filtered to just the applications
    // waiting on that one stage, reusing this same pipeline list/filter instead of a separate
    // queue view -- same pattern as the `view` query param above.
    const requestedStage = this.route.snapshot.queryParamMap.get('stage') as OriginationStage | null;
    if (requestedStage && this.stageOrder.includes(requestedStage)) {
      this.stageFilter = requestedStage;
    }

    const creds = this.auth.getCredentials();
    this.isHeadOffice = this.auth.isHeadOfficeUser();
    this.currentOfficeName = creds?.officeName || 'Branch Office';
    this.ownBranchCode = creds?.officeId ? officeBranchCode(creds.officeId) : null;
    // The logged-in user's own office is the default branch. A branch-level login can only originate for its own branch:
    // the select is disabled and `saveNewApplication` forces the code again, so it is locked here and not just hidden.
    this.branches = this.ownBranchCode ? [{ code: this.ownBranchCode, name: this.currentOfficeName }] : [];
    this.branchFilter = this.isHeadOffice ? '' : this.ownBranchCode || '';
    this.newApp.branchCode = this.ownBranchCode || '';
    this.catalog.activeProducts().subscribe((products) => {
      this.dbProducts = products.filter((p) => p.shortName && p.advanceExtensions?.productTypeGroup);
      this.dbProducts.forEach((p) => registerOriginationProduct(p));
      this.loadingProducts = false;
    });
    this.originationService.listBranches().subscribe({
      next: (offices) => {
        if (offices.length > 0) {
          this.branches = offices;
        }
      },
      error: () => {
        /* keep the user's own office as the only choice */
      }
    });

    this.loadApplications();
  }

  /** Loads the book from the database. On a completely fresh install the pipeline is empty, so the
   *  demo book is seeded once and then re-read — the seed endpoint no-ops when rows already exist,
   *  so reloading this screen can never duplicate it. */
  private loadApplications(): void {
    this.loadingApplications = true;
    this.originationService.list().subscribe({
      next: (apps: LoanApplication[]) => {
        if (apps.length === 0) {
          this.seedThenReload();
          return;
        }
        this.applications = apps;
        this.loadingApplications = false;
      },
      error: () => {
        this.applications = [];
        this.loadingApplications = false;
        this.toast('Could not load the loan origination pipeline.');
      }
    });
  }

  private seedThenReload(): void {
    this.originationService.seed(generateSeedApplications()).subscribe({
      next: () => {
        this.originationService.list().subscribe({
          next: (seeded: LoanApplication[]) => {
            this.applications = seeded;
            this.loadingApplications = false;
          },
          error: () => {
            this.applications = [];
            this.loadingApplications = false;
          }
        });
      },
      error: () => {
        this.applications = [];
        this.loadingApplications = false;
        this.toast('Could not initialise the loan origination pipeline.');
      }
    });
  }

  /** Branches selectable on the New Application form — every branch for Head Office, only the
   *  logged-in user's own branch otherwise. */
  get newApplicationBranches(): BranchMaster[] {
    return this.isHeadOffice ? this.branches : this.branches.filter((b) => b.code === this.branchFilter);
  }

  setView(view: ViewId): void {
    this.activeView = view;
    this.currentPage = 1;
  }

  setBranch(code: string): void {
    this.branchFilter = code;
    this.currentPage = 1;
  }

  /** Name of the branch/scope currently being viewed, for display in the header. */
  get scopeName(): string {
    if (!this.isHeadOffice) {
      return this.currentOfficeName;
    }
    return this.branchFilter
      ? this.branches.find((b) => b.code === this.branchFilter)?.name || ''
      : 'All Branches (Consolidated)';
  }

  get scopedApplications(): LoanApplication[] {
    return this.branchFilter ? this.applications.filter((a) => a.branchCode === this.branchFilter) : this.applications;
  }

  private get currentUserName(): string {
    return (this.auth.getCredentials()?.username ?? '').toLowerCase();
  }

  /** Applications with an approval sent and waiting for a decision (maker-checker), newest first. */
  get awaitingApproval() {
    const rows: {
      app: LoanApplication;
      stage: string;
      sentBy: string;
      sentOn: string;
      mine: boolean;
      exception: boolean;
    }[] = [];
    this.applications.forEach((app) => {
      Object.entries(app.approvalRequests ?? {}).forEach(
        ([
          ,
          request
        ]) => {
          if (request && request.status === 'PENDING') {
            rows.push({
              app,
              stage: STAGE_LABELS[app.currentStage],
              sentBy: request.submittedBy,
              sentOn: request.submittedOn,
              mine: (request.submittedBy ?? '').toLowerCase() === this.currentUserName,
              exception: request.requestedDecision === 'EXCEPTION_APPROVED'
            });
          }
        }
      );
    });
    return rows;
  }

  get filteredApplications(): LoanApplication[] {
    return this.scopedApplications.filter((a) => {
      if (this.channelFilter && a.channel !== this.channelFilter) {
        return false;
      }
      if (this.stageFilter && a.currentStage !== this.stageFilter) {
        return false;
      }
      if (this.statusFilter && a.overallStatus !== this.statusFilter) {
        return false;
      }
      if (this.searchText) {
        const q = this.searchText.toLowerCase();
        return a.applicationNo.toLowerCase().includes(q) || a.applicantName.toLowerCase().includes(q);
      }
      return true;
    });
  }

  // -------------------- Pagination --------------------
  paged<T>(items: T[]): T[] {
    const start = (this.currentPage - 1) * this.pageSize;
    return items.slice(start, start + this.pageSize);
  }

  pageCount(items: unknown[]): number {
    return Math.max(1, Math.ceil(items.length / this.pageSize));
  }

  rangeStart(items: unknown[]): number {
    return items.length === 0 ? 0 : (this.currentPage - 1) * this.pageSize + 1;
  }

  rangeEnd(items: unknown[]): number {
    return Math.min(this.currentPage * this.pageSize, items.length);
  }

  goToPage(page: number, items: unknown[]): void {
    this.currentPage = Math.min(Math.max(1, page), this.pageCount(items));
  }

  // -------------------- Portfolio KPIs --------------------
  get totalApplications(): number {
    return this.scopedApplications.length;
  }

  get inProgressCount(): number {
    return this.scopedApplications.filter((a) => a.overallStatus === 'IN_PROGRESS').length;
  }

  get onHoldCount(): number {
    return this.scopedApplications.filter((a) => a.overallStatus === 'ON_HOLD').length;
  }

  get rejectedCount(): number {
    return this.scopedApplications.filter((a) => a.overallStatus === 'REJECTED').length;
  }

  get disbursedApplications(): LoanApplication[] {
    return this.scopedApplications.filter((a) => a.overallStatus === 'DISBURSED');
  }

  get disbursedAmount(): number {
    return this.disbursedApplications.reduce((s, a) => s + a.requestedAmount, 0);
  }

  progress(a: LoanApplication): number {
    return progressPct(a);
  }

  badgeClass(a: LoanApplication): string {
    return stageBadgeClass(a);
  }

  statusLabel(status: OverallStatus): string {
    return STATUS_LABELS[status];
  }

  stageLabel(stage: OriginationStage): string {
    return STAGE_LABELS[stage];
  }

  openApplication(a: LoanApplication): void {
    this.router.navigate([
      '/loan-origination/application',
      a.applicationNo
    ]);
  }

  // -------------------- Channel-wise / BC-wise / Share Member reports --------------------
  get channelReport(): ChannelReportRow[] {
    const channels: Channel[] = [
      'BRANCH',
      'BC',
      'SELF_APPLY'
    ];
    return channels.map((channel) => {
      const rows = this.scopedApplications.filter((a) => a.channel === channel);
      const disbursed = rows.filter((a) => a.overallStatus === 'DISBURSED');
      return {
        channel,
        label: CHANNEL_LABELS[channel],
        count: rows.length,
        requestedAmount: rows.reduce((s, a) => s + a.requestedAmount, 0),
        disbursedCount: disbursed.length,
        disbursedAmount: disbursed.reduce((s, a) => s + a.requestedAmount, 0)
      };
    });
  }

  get bcApplications(): LoanApplication[] {
    return this.scopedApplications.filter((a) => a.channel === 'BC');
  }

  get bcReport(): BcReportRow[] {
    const names = Array.from(new Set(this.bcApplications.map((a) => a.bcAgentName))).sort();
    return names.map((bcAgentName) => {
      const rows = this.bcApplications.filter((a) => a.bcAgentName === bcAgentName);
      const disbursed = rows.filter((a) => a.overallStatus === 'DISBURSED');
      return {
        bcAgentName,
        count: rows.length,
        requestedAmount: rows.reduce((s, a) => s + a.requestedAmount, 0),
        disbursedCount: disbursed.length,
        disbursedAmount: disbursed.reduce((s, a) => s + a.requestedAmount, 0)
      };
    });
  }

  get shareMemberCount(): number {
    return this.scopedApplications.filter((a) => a.isShareMember).length;
  }

  get nonMemberApplications(): LoanApplication[] {
    return this.scopedApplications.filter((a) => !a.isShareMember && a.overallStatus !== 'REJECTED');
  }

  // -------------------- Disbursement Target vs Actual --------------------
  statusLabelOf(status: TargetStatus): string {
    return TARGET_STATUS_LABELS[status];
  }

  /** Branches shown in the target table: every branch for Head Office's consolidated view, only
   *  the drilled-into/own branch otherwise — same scoping the rest of the screen already uses. */
  get branchTargetRows(): BranchTargetRow[] {
    const branchesToShow =
      this.isHeadOffice && !this.branchFilter
        ? this.branches
        : this.branches.filter((b) => b.code === this.branchFilter);
    return branchesToShow.map((b) => {
      const actual = this.applications
        .filter((a) => a.branchCode === b.code && a.overallStatus === 'DISBURSED')
        .reduce((s, a) => s + a.requestedAmount, 0);
      const target = branchTargetAmount(b.code);
      const achievementPct = target ? (actual / target) * 100 : 0;
      return {
        branchCode: b.code,
        branchName: b.name,
        target,
        actual,
        achievementPct,
        status: targetStatus(achievementPct, 100, 5)
      };
    });
  }

  private get disbursedInScope(): LoanApplication[] {
    return this.scopedApplications.filter((a) => a.overallStatus === 'DISBURSED');
  }

  get productTargetRows(): MixTargetRow[] {
    const total = this.disbursedInScope.reduce((s, a) => s + a.requestedAmount, 0);
    return this.products.map((p) => {
      const productAmount = this.disbursedInScope
        .filter((a) => a.productCode === p.code)
        .reduce((s, a) => s + a.requestedAmount, 0);
      const actualPct = total ? (productAmount / total) * 100 : 0;
      const targetPct = PRODUCT_TARGET_PCT[p.code] || 0;
      return {
        code: p.code,
        label: p.name,
        targetPct,
        actualPct,
        variancePct: actualPct - targetPct,
        status: targetStatus(actualPct, targetPct, 3),
        isRbiMandated: p.code === 'KCC' || p.code === 'CC'
      };
    });
  }

  // -------------------- Interest & Share Linkage Reference --------------------
  /** Illustrative total interest over the product's own tenure band, simple-interest approximation
   *  (principal x rate x years) -- flagged as illustrative in the template since actual repayment
   *  is on a reducing balance and varies by amount/tenure chosen at sanction. */
  illustrativeInterest(amount: number, ratePct: number, tenureMonths: number): number {
    return amount * (ratePct / 100) * (tenureMonths / 12);
  }

  get shareLinkageSlabRows(): AmountSlabRow[] {
    return this.shareLinkageSlabs.map((slab) => ({
      ...slab,
      shareAtMin: slab.minAmt * (slab.sharePercent / 100),
      shareAtMax: slab.maxAmt !== null ? slab.maxAmt * (slab.sharePercent / 100) : null
    }));
  }

  get channelTargetRows(): MixTargetRow[] {
    const total = this.disbursedInScope.reduce((s, a) => s + a.requestedAmount, 0);
    const channels: Channel[] = [
      'BRANCH',
      'BC',
      'SELF_APPLY'
    ];
    return channels.map((channel) => {
      const channelAmount = this.disbursedInScope
        .filter((a) => a.channel === channel)
        .reduce((s, a) => s + a.requestedAmount, 0);
      const actualPct = total ? (channelAmount / total) * 100 : 0;
      const targetPct = CHANNEL_TARGET_PCT[channel];
      return {
        code: channel,
        label: CHANNEL_LABELS[channel],
        targetPct,
        actualPct,
        variancePct: actualPct - targetPct,
        status: targetStatus(actualPct, targetPct, 3),
        isRbiMandated: false
      };
    });
  }

  // -------------------- New Application intake --------------------
  productOf(code: string) {
    return this.products.find((p) => p.code === code);
  }

  /** Switching Customer Type away from "Existing" drops any client picked under the old mode --
   *  avoids storing a stale clientId against a now-"New Customer" application. */
  onCustomerTypeChange(): void {
    if (this.newApp.customerType === 'NEW') {
      this.clearExistingClient();
    }
  }

  onExistingClientSearch(text: string): void {
    this.existingClientSearchText = text;
    clearTimeout(this.existingClientSearchTimer);
    if (!text || text.length < 2) {
      this.existingClientSearchResults = [];
      return;
    }
    this.searchingExistingClient = true;
    this.existingClientSearchTimer = setTimeout(() => {
      this.clientsService.searchByText(text, 0, 8, '', '', true, 'INDIVIDUAL').subscribe({
        next: (data: any) => {
          this.existingClientSearchResults = data?.content || [];
          this.searchingExistingClient = false;
        },
        error: () => {
          this.existingClientSearchResults = [];
          this.searchingExistingClient = false;
        }
      });
    }, 400);
  }

  selectExistingClient(client: any): void {
    this.newApp.clientId = client.id;
    this.newApp.applicantName = client.displayName;
    this.existingClientSearchResults = [];
    this.existingClientSearchText = '';
  }

  clearExistingClient(): void {
    this.newApp.clientId = null;
    this.newApp.applicantName = '';
    this.existingClientSearchText = '';
    this.existingClientSearchResults = [];
  }

  saveNewApplication(): void {
    if (!this.newApp.applicantName.trim() || !this.newApp.requestedAmount || this.newApp.requestedAmount <= 0) {
      this.toast('Enter the applicant name and a valid requested amount.');
      return;
    }
    if (this.newApp.customerType === 'EXISTING' && !this.newApp.clientId) {
      this.toast('Search and select the existing client for this application.');
      return;
    }
    if (this.newApp.channel === 'BC' && !this.newApp.bcAgentName.trim()) {
      this.toast('Enter the BC agent/point name for a Business Correspondent application.');
      return;
    }
    // A branch-level login is locked to its own branch regardless of what the (disabled) select
    // is bound to — defence in depth against the DOM value ever being tampered with.
    if (!this.isHeadOffice && this.ownBranchCode) {
      this.newApp.branchCode = this.ownBranchCode;
    }
    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) ||
      this.branches[0] || { code: this.newApp.branchCode, name: this.currentOfficeName };
    const product = this.productOf(this.newApp.productCode);
    if (!product) {
      this.toast('Select the Product Type, Sub Type and Product.');
      return;
    }
    if (
      this.newApp.requestedAmount &&
      (this.newApp.requestedAmount < product.minAmt || this.newApp.requestedAmount > product.maxAmt)
    ) {
      this.toast(
        `Amount must be between ₹${product.minAmt.toLocaleString('en-IN')} and ₹${product.maxAmt.toLocaleString('en-IN')} for ${product.name}.`
      );
      return;
    }
    const tenure = this.newApp.tenureMonths || product.minTenure;
    if (tenure < product.minTenure || tenure > product.maxTenure) {
      this.toast(`Tenure must be between ${product.minTenure} and ${product.maxTenure} months for ${product.name}.`);
      return;
    }
    const seq = this.applications.length + 20000;
    const app = createApplication(
      {
        channel: this.newApp.channel,
        bcAgentName: this.newApp.bcAgentName || '—',
        customerType: this.newApp.customerType,
        applicantName: this.newApp.applicantName.trim(),
        clientId: this.newApp.clientId,
        branchCode: branch.code,
        branchName: branch.name,
        productCode: product.code,
        productName: product.name,
        productType: this.newApp.productType,
        secured: product.secured,
        requestedAmount: this.newApp.requestedAmount,
        tenureMonths: this.newApp.tenureMonths || product.minTenure,
        interestRate: +((product.minRate + product.maxRate) / 2).toFixed(2)
      },
      seq
    );
    // Only navigate once the application is actually stored -- an officer who lands on the detail
    // screen for something that failed to save would fill in a whole stage against nothing.
    this.savingNewApplication = true;
    this.originationService.create(app).subscribe({
      next: (saved: LoanApplication) => {
        this.savingNewApplication = false;
        this.applications.unshift(saved);
        this.toast(`Application ${saved.applicationNo} received for ${saved.applicantName}.`);
        this.newApp = {
          channel: 'BRANCH',
          bcAgentName: '',
          customerType: 'NEW',
          applicantName: '',
          clientId: null,
          branchCode: this.ownBranchCode || this.branches[0]?.code || '',
          productGroup: '',
          productSubType: '',
          productCode: '',
          productType: 'TERM_LOAN',
          requestedAmount: null,
          tenureMonths: null
        };
        this.existingClientSearchText = '';
        this.existingClientSearchResults = [];
        this.router.navigate([
          '/loan-origination/application',
          saved.applicationNo
        ]);
      },
      error: (err: any) => {
        this.savingNewApplication = false;
        this.toast(
          err?.error?.errors?.[0]?.defaultUserMessage || 'Could not save the application. Nothing was recorded.'
        );
      }
    });
  }

  // -------------------- Export to Excel --------------------
  async exportExcel(): Promise<void> {
    this.generating = true;
    try {
      const subtitle = `Scope: ${this.scopeName}   ·   As On: ${this.asOnDate}`;
      const sheets: ExportSheetSpec[] = [
        {
          sheetName: 'Pipeline',
          title: 'Loan Origination Pipeline',
          subtitle,
          headers: [
            'Application No',
            'Applicant',
            'Branch',
            'Channel',
            'Product',
            'Requested Amount',
            'Current Stage',
            'Status'
          ],
          widths: [
            16,
            22,
            16,
            22,
            16,
            18,
            24,
            14
          ],
          rows: this.filteredApplications.map((a) => [
            a.applicationNo,
            a.applicantName,
            a.branchName,
            CHANNEL_LABELS[a.channel],
            a.productName,
            a.requestedAmount,
            STAGE_LABELS[a.currentStage],
            STATUS_LABELS[a.overallStatus]
          ])
        },
        {
          sheetName: 'Channel-wise',
          title: 'Channel-wise Report',
          subtitle,
          headers: [
            'Channel',
            'Applications',
            'Requested Amount',
            'Disbursed Count',
            'Disbursed Amount'
          ],
          widths: [
            26,
            16,
            18,
            16,
            18
          ],
          rows: this.channelReport.map((r) => [
            r.label,
            r.count,
            r.requestedAmount,
            r.disbursedCount,
            r.disbursedAmount
          ])
        },
        {
          sheetName: 'BC-wise',
          title: 'BC-wise Report',
          subtitle,
          headers: [
            'BC Agent / Point',
            'Applications',
            'Requested Amount',
            'Disbursed Count',
            'Disbursed Amount'
          ],
          widths: [
            30,
            16,
            18,
            16,
            18
          ],
          rows: this.bcReport.map((r) => [
            r.bcAgentName,
            r.count,
            r.requestedAmount,
            r.disbursedCount,
            r.disbursedAmount
          ])
        },
        {
          sheetName: 'Share Member',
          title: 'Share Member Report',
          subtitle,
          headers: [
            'Application No',
            'Applicant',
            'Branch',
            'Current Stage',
            'Status'
          ],
          widths: [
            16,
            22,
            16,
            24,
            14
          ],
          rows: this.nonMemberApplications.map((a) => [
            a.applicationNo,
            a.applicantName,
            a.branchName,
            STAGE_LABELS[a.currentStage],
            STATUS_LABELS[a.overallStatus]
          ])
        },
        {
          sheetName: 'Branch Target',
          title: 'Branch-wise Disbursement Target — Annual',
          subtitle,
          headers: [
            'Branch',
            'Target',
            'Disbursed (Actual)',
            'Achievement %',
            'Status'
          ],
          widths: [
            20,
            18,
            18,
            14,
            16
          ],
          rows: this.branchTargetRows.map((r) => [
            r.branchName,
            r.target,
            r.actual,
            Number(r.achievementPct.toFixed(1)),
            this.statusLabelOf(r.status)
          ])
        },
        {
          sheetName: 'Product-Channel Target',
          title: 'Product & Channel Mix — Target % vs Actual %',
          subtitle,
          headers: [
            'Mix',
            'Target Basis',
            'Target %',
            'Actual %',
            'Variance (pp)',
            'Status'
          ],
          widths: [
            26,
            18,
            12,
            12,
            14,
            16
          ],
          rows: [
            ...this.productTargetRows.map((r) => [
              `Product — ${r.label}`,
              r.isRbiMandated ? 'RBI PSL Sub-Target' : 'Internal Target',
              r.targetPct,
              Number(r.actualPct.toFixed(1)),
              Number(r.variancePct.toFixed(1)),
              this.statusLabelOf(r.status)
            ]),
            ...this.channelTargetRows.map((r) => [
              `Channel — ${r.label}`,
              'Internal Target',
              r.targetPct,
              Number(r.actualPct.toFixed(1)),
              Number(r.variancePct.toFixed(1)),
              this.statusLabelOf(r.status)
            ])
          ]
        }
      ];
      await exportWorkbook(sheets, `Loan-Origination-${this.scopeName}-${this.asOnDate}`);
    } catch (err) {
      console.error('Loan Origination export failed', err);
    } finally {
      this.generating = false;
    }
  }

  private toast(msg: string): void {
    this.toastMsg = msg;
    this.toastVisible = true;
    if (this.toastTimer) {
      clearTimeout(this.toastTimer);
    }
    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
  }
}