@php
    $awaitingDisbursement = $loan->isAwaitingDisbursement();
    $paid = (float) $loan->payments->sum('amount');
    $remaining = $awaitingDisbursement ? 0.0 : max(0, (float) $loan->balance);
    $principal = (float) $loan->principal;
    $dpd = $awaitingDisbursement ? 0 : (int) ($loan->dpd ?? 0);
    $arrearsAmount = $awaitingDisbursement ? 0.0 : (float) ($loan->arrears_amount ?? 0);
    $contractTotal = (float) ($contractRepayable ?? ($paid + max(0, (float) $loan->balance)));
    $progressPct = ($awaitingDisbursement || $contractTotal <= 0.00001)
        ? 0.0
        : min(100, max(0, ($paid / $contractTotal) * 100));
    $statusLabel = str($loan->effectiveStatus())->headline();
    $termDisplay = trim(($loan->term_value ?? '—').' '.str($loan->term_unit ?? 'monthly')->headline());
    $interestDisplay = $loan->interest_rate !== null
        ? number_format((float) $loan->interest_rate, 2).' % · '.str($loan->interest_rate_period ?? 'annual')->headline()
        : '—';
    $canCollect = $loan->acceptsPostedLoanCollections() && $loan->collectibleOutstandingBalance() > 0.01;

    $profileFields = [
        ['label' => 'Loan #', 'value' => $loan->loan_number ?? '—'],
        ['label' => 'Client', 'value' => $loan->loanClient?->full_name ?? '—'],
        ['label' => 'Client #', 'value' => $loan->loanClient?->client_number ?? '—'],
        ['label' => 'Branch', 'value' => $loan->branch ?: ($loan->loanClient?->branch ?? '—')],
        ['label' => 'Loan officer', 'value' => $loan->loanClient?->assignedEmployee?->full_name ?? '—'],
        ['label' => 'Collection agent', 'value' => $loan->collectionAgent?->full_name ?? '—'],
    ];

    $financialFields = [
        ['label' => 'Product', 'value' => $loan->product_name ?: '—'],
        [
            'label' => $awaitingDisbursement ? 'Principal approved' : 'Principal disbursed',
            'value' => 'KES '.number_format($principal, 2),
            'numeric' => true,
        ],
        ['label' => 'Interest rate', 'value' => $interestDisplay],
        ['label' => 'Term', 'value' => $termDisplay],
        ['label' => 'Contract repayable', 'value' => 'KES '.number_format($contractTotal, 2), 'numeric' => true],
        ['label' => 'Disbursed on', 'value' => optional($loan->disbursed_at)->format('d M Y') ?: '—'],
        ['label' => 'Maturity', 'value' => optional($loan->maturity_date)->format('d M Y') ?: '—'],
        ['label' => 'Check-off', 'value' => ($loan->is_checkoff ?? false) ? ($loan->checkoff_employer ?: 'Yes') : 'No'],
    ];

    if (! $awaitingDisbursement && ((float) ($loan->principal_outstanding ?? 0) > 0 || (float) ($loan->interest_outstanding ?? 0) > 0)) {
        $financialFields[] = ['label' => 'Principal outstanding', 'value' => 'KES '.number_format((float) ($loan->principal_outstanding ?? 0), 2), 'numeric' => true];
        $financialFields[] = ['label' => 'Interest outstanding', 'value' => 'KES '.number_format((float) ($loan->interest_outstanding ?? 0), 2), 'numeric' => true];
    }

    $recentPayments = $loan->payments->take(6);

    $overviewOpenFinanceRelease = $openFinanceRelease ?? null;
    $nextAction = match (true) {
        $awaitingDisbursement && $overviewOpenFinanceRelease && Route::has('loan.book.finance_release.show') => [
            'label' => 'Open finance release',
            'href' => route('loan.book.finance_release.show', $overviewOpenFinanceRelease),
            'hint' => 'KES '.number_format($principal, 0).' is approved. Complete treasury maker → checker → payout on finance release.',
        ],
        $awaitingDisbursement && Route::has('loan.book.finance_release.index') => [
            'label' => 'Open Finance Release Queue',
            'href' => route('loan.book.finance_release.index'),
            'hint' => 'KES '.number_format($principal, 0).' is approved and booked. Disburse via Finance Release Queue.',
        ],
        $awaitingDisbursement => [
            'label' => 'Open disbursement',
            'tab' => 'disbursement',
            'hint' => 'KES '.number_format($principal, 0).' is approved and booked. Disburse funds before any repayment is due.',
        ],
        $canCollect && Route::has('loan.payments.unposted') => [
            'label' => 'Open unposted register',
            'href' => route('loan.payments.unposted'),
            'hint' => 'KES '.number_format($remaining, 0).' outstanding on this loan.',
        ],
        $dpd > 0 => [
            'label' => 'Review collections',
            'tab' => 'collections',
            'hint' => $dpd.' days past due · KES '.number_format($arrearsAmount, 0).' in arrears.',
        ],
        ($hasInstallmentSchedule ?? false) => [
            'label' => 'Open repayment schedule',
            'tab' => 'schedule',
            'hint' => 'View installment plan and upcoming due dates.',
        ],
        default => [
            'label' => 'View loan register',
            'href' => route('loan.book.loans.index'),
            'hint' => 'Loan is '.$statusLabel.'. No immediate action required.',
        ],
    };
@endphp

<div class="grid grid-cols-1 gap-4 lg:grid-cols-12">
    <div class="space-y-4 lg:col-span-7">
        <div class="rounded-xl border border-slate-200 bg-white p-4 shadow-sm">
            <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">Loan profile</h3>
            <div class="mt-3">
                @include('loan.book.applications.partials.application-360-metadata-grid', ['fields' => $profileFields])
            </div>
        </div>

        <div class="rounded-xl border border-slate-200 bg-white p-4 shadow-sm">
            <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">Financial terms</h3>
            <div class="mt-3">
                @include('loan.book.applications.partials.application-360-metadata-grid', ['fields' => $financialFields])
            </div>
        </div>

        @if (filled($loan->notes))
            <div class="rounded-xl border border-slate-200 bg-white p-4 shadow-sm">
                <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">Notes</h3>
                <p class="mt-2 text-sm leading-relaxed text-slate-700">{{ $loan->notes }}</p>
            </div>
        @endif
    </div>

    <div class="space-y-4 lg:col-span-5">
        <div class="rounded-xl border border-slate-200 bg-white p-4 shadow-sm">
            <div class="flex items-start justify-between gap-3">
                <div>
                    <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">
                        {{ $awaitingDisbursement ? 'Disbursement status' : 'Repayment progress' }}
                    </h3>
                    <p class="mt-1 text-2xl font-bold tabular-nums text-slate-900">
                        {{ $awaitingDisbursement ? 'Not started' : number_format($progressPct, 1).'%' }}
                    </p>
                </div>
                <span @class([
                    'ws-badge',
                    'ws-badge--warning' => $awaitingDisbursement,
                    'ws-badge--success' => ! $awaitingDisbursement && $dpd === 0 && ! $loan->isSettled(),
                    'ws-badge--danger' => ! $awaitingDisbursement && $dpd >= 30,
                    'ws-badge--neutral' => ! $awaitingDisbursement && $loan->isSettled(),
                ])>{{ $statusLabel }}</span>
            </div>

            @if ($awaitingDisbursement)
                <p class="mt-3 rounded-lg border border-amber-100 bg-amber-50/80 px-3 py-2 text-xs text-amber-950">
                    This loan is booked from an approved application. Customer outstanding and repayments begin only after disbursement.
                </p>
            @else
                <div class="mt-3 h-2.5 overflow-hidden rounded-full bg-slate-100">
                    <div
                        class="h-full rounded-full bg-[#2f4f4f] transition-all"
                        style="width: {{ number_format($progressPct, 2, '.', '') }}%"
                        role="progressbar"
                        aria-valuenow="{{ round($progressPct) }}"
                        aria-valuemin="0"
                        aria-valuemax="100"
                    ></div>
                </div>
            @endif

            <dl class="mt-4 grid grid-cols-2 gap-3 text-sm">
                <div class="rounded-lg border border-slate-100 bg-slate-50/80 p-3">
                    <dt class="text-[10px] font-bold uppercase tracking-wide text-slate-500">
                        {{ $awaitingDisbursement ? 'To disburse' : 'Outstanding' }}
                    </dt>
                    <dd class="mt-1 text-lg font-bold tabular-nums text-slate-900">
                        KES {{ number_format($awaitingDisbursement ? $principal : $remaining, 0) }}
                    </dd>
                </div>
                <div class="rounded-lg border border-slate-100 bg-emerald-50/80 p-3">
                    <dt class="text-[10px] font-bold uppercase tracking-wide text-emerald-700">Repaid</dt>
                    <dd class="mt-1 text-lg font-bold tabular-nums text-emerald-800">KES {{ number_format($awaitingDisbursement ? 0 : $paid, 0) }}</dd>
                </div>
                <div class="rounded-lg border border-slate-100 bg-slate-50/80 p-3">
                    <dt class="text-[10px] font-bold uppercase tracking-wide text-slate-500">DPD</dt>
                    <dd @class([
                        'mt-1 text-lg font-bold tabular-nums',
                        'text-amber-700' => $dpd > 0,
                        'text-slate-900' => $dpd === 0,
                    ])>{{ $dpd }}</dd>
                </div>
                <div class="rounded-lg border border-slate-100 bg-slate-50/80 p-3">
                    <dt class="text-[10px] font-bold uppercase tracking-wide text-slate-500">Arrears</dt>
                    <dd @class([
                        'mt-1 text-lg font-bold tabular-nums',
                        'text-rose-700' => $arrearsAmount > 0,
                        'text-slate-900' => $arrearsAmount <= 0,
                    ])>KES {{ number_format($arrearsAmount, 0) }}</dd>
                </div>
            </dl>
        </div>

        <div class="rounded-xl border border-teal-200 bg-teal-50/40 p-4">
            <h3 class="text-[11px] font-semibold uppercase tracking-wide text-teal-900">Next action</h3>
            <p class="mt-1 text-xs text-teal-950">{{ $nextAction['hint'] }}</p>
            @if (! empty($nextAction['tab']))
                <button type="button" @click="setTab('{{ $nextAction['tab'] }}')" class="mt-2 inline-flex text-xs font-semibold text-teal-900 hover:underline">{{ $nextAction['label'] }} →</button>
            @elseif (! empty($nextAction['href']))
                <x-loan.workspace-link :href="$nextAction['href']" class="mt-2 inline-flex text-xs font-semibold text-teal-900 hover:underline">{{ $nextAction['label'] }} →</x-loan.workspace-link>
            @endif
        </div>

        @if ($loan->application)
            <div class="rounded-xl border border-slate-200 bg-slate-50/50 p-4">
                <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">Originating application</h3>
                <dl class="mt-2 space-y-1 text-xs">
                    <div class="flex justify-between gap-2">
                        <dt class="text-slate-500">Reference</dt>
                        <dd class="font-semibold text-slate-900">{{ $loan->application->reference }}</dd>
                    </div>
                    <div class="flex justify-between gap-2">
                        <dt class="text-slate-500">Stage</dt>
                        <dd class="font-medium text-slate-900">{{ str($loan->application->stage)->headline() }}</dd>
                    </div>
                    <div class="flex justify-between gap-2">
                        <dt class="text-slate-500">Amount</dt>
                        <dd class="font-semibold tabular-nums text-slate-900">KES {{ number_format((float) $loan->application->displayPrincipal(), 2) }}</dd>
                    </div>
                </dl>
                @if (Route::has('loan.book.applications.show'))
                    <x-loan.workspace-link :href="route('loan.book.applications.show', $loan->application)" class="mt-2 inline-flex text-xs font-semibold text-teal-800 hover:underline">Open application →</x-loan.workspace-link>
                @endif
                @if ($loan->application->requiresRetailAppraisal() && Route::has('loan.book.applications.documents.application_form'))
                    <div class="mt-2 flex flex-wrap gap-x-2 gap-y-1 text-xs">
                        <a href="{{ route('loan.book.applications.documents.application_form', $loan->application) }}" target="_blank" data-turbo="false" class="font-medium text-slate-700 hover:underline">Application form</a>
                        <span class="text-slate-300">·</span>
                        <a href="{{ route('loan.book.applications.documents.appraisal_sheet', $loan->application) }}" target="_blank" data-turbo="false" class="font-medium text-slate-700 hover:underline">Appraisal sheet</a>
                        <span class="text-slate-300">·</span>
                        <x-loan.workspace-link :href="route('loan.book.applications.show', ['loan_book_application' => $loan->application, 'tab' => 'approval'])" class="font-medium text-slate-700 hover:underline">Approval history</x-loan.workspace-link>
                    </div>
                @endif
            </div>
        @endif

        <div class="rounded-xl border border-slate-200 bg-white shadow-sm overflow-hidden">
            <div class="flex items-center justify-between gap-2 border-b border-slate-100 px-4 py-3">
                <h3 class="text-[11px] font-semibold uppercase tracking-wide text-slate-600">Recent repayments</h3>
                @if (Route::has('loan.payments.unposted') && $canCollect)
                    <x-loan.workspace-link :href="route('loan.payments.unposted', ['payment_plus' => 1, 'loan_book_loan_id' => $loan->id])" class="text-xs font-semibold text-[#2f4f4f] hover:underline">Payment+</x-loan.workspace-link>
                @endif
            </div>
            <div class="overflow-x-auto">
                <table class="min-w-full text-sm">
                    <thead class="bg-slate-50 text-[10px] uppercase tracking-wide text-slate-500">
                        <tr>
                            <th class="px-4 py-2 text-left">Date</th>
                            <th class="px-4 py-2 text-right">Amount</th>
                            <th class="px-4 py-2 text-left">Reference</th>
                        </tr>
                    </thead>
                    <tbody class="divide-y divide-slate-100">
                        @forelse ($recentPayments as $payment)
                            <tr>
                                <td class="px-4 py-2.5 text-slate-700">{{ optional($payment->transaction_at)->format('d M Y') ?? '—' }}</td>
                                <td class="px-4 py-2.5 text-right font-medium tabular-nums text-emerald-700">KES {{ number_format((float) $payment->amount, 2) }}</td>
                                <td class="px-4 py-2.5 font-mono text-xs text-slate-600">{{ $payment->receiptNumber() ?? '—' }}</td>
                            </tr>
                        @empty
                            <tr>
                                <td colspan="3" class="px-4 py-6 text-center text-sm text-slate-500">
                                    {{ $awaitingDisbursement ? 'No repayments yet — disburse the loan first.' : 'No repayments posted yet.' }}
                                </td>
                            </tr>
                        @endforelse
                    </tbody>
                </table>
            </div>
        </div>

        <div class="flex flex-wrap gap-2">
            @if ($loan->loanClient && Route::has('loan.clients.show'))
                <x-loan.workspace-link :href="route('loan.clients.show', $loan->loanClient)" class="ws-btn ws-btn--secondary text-xs">Client 360</x-loan.workspace-link>
            @endif
            @if ($hasInstallmentSchedule ?? false)
                <button type="button" @click="setTab('schedule')" class="ws-btn ws-btn--secondary text-xs">Repayment schedule</button>
            @endif
            <button type="button" @click="setTab('disbursement')" class="ws-btn ws-btn--secondary text-xs">Disbursement</button>
        </div>
    </div>
</div>