udyamlinc/src/features/nabard/DigestPage.tsx

import { useQuery } from '@tanstack/react-query'
import { Siren, TrendingDown } from 'lucide-react'
import { get } from '../../lib/api'
import type { ApexDigest } from '../../lib/api'
import { Card, Empty, StatusPill } from '../../components/ui/bits'
import { demoDigest } from '../../lib/demo/apex'

/**
 * Where the refinanced portfolio is deteriorating — as districts, sectors and
 * partner banks, never as borrowers.
 *
 * <p>Ranked by the count of stressed enterprises rather than by rate. A 40%
 * stress rate over eight borrowers is noise; a 12% rate over three hundred is a
 * programme. Both numbers are shown, but the ordering says which to read first.
 */
export function DigestPage() {
  const { data, isError } = useQuery({ queryKey: ['apex-digest'], queryFn: () => get<ApexDigest>('/nabard/digest') })
  const d = data ?? demoDigest()

  return (
    <div className="space-y-4">
      <div className="flex items-start gap-3">
        <div className="flex-1">
          <h1 className="text-[15px] font-bold text-forest leading-tight">Early warning</h1>
          <p className="text-[11px] text-slate-500">
            As at {d.asOf} · ranked by how many enterprises are affected, not by rate
          </p>
        </div>
        {isError && <StatusPill status="Demo data" />}
      </div>

      <div className="grid grid-cols-1 xl:grid-cols-2 gap-3 items-start">
        <Card title="Districts under stress" badge="most affected first">
          <div className="p-4">
            {d.districtsUnderStress.length === 0 ? (
              <Empty text="No district is carrying stressed enterprises." />
            ) : (
              <ol className="space-y-2">
                {d.districtsUnderStress.map((c) => (
                  <li key={c.districtName} className="flex items-center gap-3">
                    <Siren size={14} className="text-rose-600 shrink-0" />
                    <span className="flex-1">
                      <b className="text-[12.5px] text-slate-800">{c.districtName}</b>
                      <span className="text-[11px] text-slate-500">
                        {' '}
                        · {c.red} of {c.enterprises} stressed
                      </span>
                    </span>
                    <span className="text-[12px] font-bold tabular-nums text-rose-700">{c.stressRatePct}%</span>
                  </li>
                ))}
              </ol>
            )}
          </div>
        </Card>

        <Card title="Sectors under stress" badge="where the shock arrived">
          <div className="p-4">
            {d.sectorsUnderStress.length === 0 ? (
              <Empty text="No sector is carrying stressed enterprises." />
            ) : (
              <ol className="space-y-2">
                {d.sectorsUnderStress.map((c) => (
                  <li key={c.sectorName} className="flex items-center gap-3">
                    <TrendingDown size={14} className="text-amber-600 shrink-0" />
                    <span className="flex-1">
                      <b className="text-[12.5px] text-slate-800">{c.sectorName}</b>
                      <span className="text-[11px] text-slate-500">
                        {' '}
                        · {c.red} of {c.enterprises} stressed
                      </span>
                    </span>
                    <span className="text-[12px] font-bold tabular-nums text-amber-700">{c.stressRatePct}%</span>
                  </li>
                ))}
              </ol>
            )}
          </div>
        </Card>
      </div>

      <Card title="Slowest to act" badge="alerts raised vs acted on">
        <div className="p-4">
          {d.slowestResponders.length === 0 ? (
            <Empty text="No partner bank has open alerts." />
          ) : (
            <table className="ul-table w-full">
              <thead>
                <tr>
                  <th>Institution</th>
                  <th className="text-right">Alerts raised</th>
                  <th className="text-right">Acted on</th>
                  <th className="text-right">Response rate</th>
                </tr>
              </thead>
              <tbody>
                {d.slowestResponders.map((b) => (
                  <tr key={b.institutionCode}>
                    <td className="font-medium text-slate-700">{b.shortName}</td>
                    <td className="text-right tabular-nums">{b.alertsRaised}</td>
                    <td className="text-right tabular-nums">{b.alertsActioned}</td>
                    <td
                      className={`text-right tabular-nums font-bold ${
                        (b.responseRatePct ?? 0) < 25
                          ? 'text-rose-700'
                          : (b.responseRatePct ?? 0) < 60
                            ? 'text-amber-700'
                            : 'text-emerald-700'
                      }`}
                    >
                      {b.responseRatePct}%
                    </td>
                  </tr>
                ))}
              </tbody>
            </table>
          )}
          <p className="text-[10.5px] text-slate-400 mt-2.5">
            An alert nobody acts on is the failure this tier is uniquely placed to catch — the
            borrower's own bank has every reason not to report it, and the borrower cannot.
          </p>
        </div>
      </Card>
    </div>
  )
}