<?php

namespace App;

use Carbon\Carbon;
use Illuminate\Database\Eloquent\Model;
use Illuminate\Database\Eloquent\SoftDeletes;

class FOIR extends Model
{

    use SoftDeletes;

    /**
     * AccountType of the trade line that represents the loan being applied for with
     * Credit Fair itself (as opposed to the bureau-reported trade lines).
     */
    const CREDIT_FAIR_EMI = 'Credit Fair EMI';

    protected $table = 'foir';

    protected $fillable = ['application_id',
        'credit_id',
'AccountType',
'Institution',
'OwnershipType',
'ApprovedAmount',
'Balance',
'InterestRate',
'RepaymentTenure',
'InstallmentAmount',
'InstallmentAmountOLD',
'InstallmentAmountNEW',
'cc_loan',
'isOpened',
'DateOpened',
'DateClosed',
'LastPaymentDate',
'LastPayment',
'PastDueAmount',
'dpd',
'applicant_type',
'updated_by',
'created_by',
'deleted_at',
'created_at',
'updated_at',
        'ReportedDate', 'is_close_date_updated','reason_info'];

    /**
     * Create or refresh the "Credit Fair EMI" trade line for an application.
     *
     * This is the single owner of that row's shape. Callers are the admin FOIR grid
     * (ConsumerApplicationController::saveFOIR) and the EMI generation flow
     * (Admin\EMICalculation::generateEMI), the latter of which can run without an
     * authenticated user, hence $userId being passed in rather than read from Auth.
     *
     * created_by is deliberately kept non-zero: resources/views/admin/consumer-application/
     * sections/foir.blade.php only renders a loan row when `Balance > 0 || created_by > 0`,
     * and this row always carries a zero Balance.
     *
     * @param  int       $applicationId
     * @param  int|float $installmentAmount
     * @param  int       $userId             User credited with the create/update.
     * @param  int|null  $creditId           Resolved from the credit report when null.
     * @return array{id: int, created: bool, changed: bool, old_installment_amount: int|float}
     */
    public static function upsertCreditFairEMI($applicationId, $installmentAmount, $userId, $creditId = null)
    {
        $installmentAmount = $installmentAmount ?: 0;

        $existing = static::where('application_id', $applicationId)
            ->where('AccountType', self::CREDIT_FAIR_EMI)
            ->first(['id', 'InstallmentAmount']);

        if (isset($existing->id)) {
            $changed = $existing->InstallmentAmount != $installmentAmount;
            if ($changed) {
                static::where('id', $existing->id)->update([
                    'InstallmentAmount' => $installmentAmount,
                    'updated_by' => $userId,
                    'updated_at' => Carbon::now()->toDateTimeString(),
                ]);
            }

            return [
                'id' => $existing->id,
                'created' => false,
                'changed' => $changed,
                'old_installment_amount' => $existing->InstallmentAmount,
            ];
        }

        if (is_null($creditId)) {
            // Lowest applicant_type first, so the applicant's report wins over the co-applicant's.
            $creditReport = CreditReport::where('application_id', $applicationId)
                ->orderBy('applicant_type', 'asc')
                ->first(['id']);
            $creditId = isset($creditReport->id) ? $creditReport->id : 0;
        }

        $id = static::insertGetId([
            'application_id' => $applicationId,
            'credit_id' => $creditId,
            'AccountType' => self::CREDIT_FAIR_EMI,
            'ApprovedAmount' => 0,
            'Balance' => 0,
            'InterestRate' => 0,
            'RepaymentTenure' => 0,
            'InstallmentAmount' => $installmentAmount,
            'cc_loan' => 1,
            'DateOpened' => null,
            'DateClosed' => null,
            'OwnershipType' => '',
            'applicant_type' => 1,
            'Institution' => '',
            'LastPayment' => null,
            'PastDueAmount' => null,
            'isOpened' => 1,
            'dpd' => json_encode([]),
            'reason_info' => null,
            'created_by' => $userId,
            'created_at' => Carbon::now()->toDateTimeString(),
        ]);

        return [
            'id' => $id,
            'created' => true,
            'changed' => true,
            'old_installment_amount' => 0,
        ];
    }

}