@extends('layouts.app')

@section('content')
    {{-- Sub Hero --}}
    <section class="sub-hero">
        <div class="container">
            <div class="sub-hero-in">
                <h1>FAQ's</h1>
            </div>
        </div>
    </section>

    {{-- Faqs --}}
    <section class="faqs" aria-labelledby="faqs-title">
        <div class="container">
            <div class="faqs-header text-center">
                <h2>FREQUENTLY ASKED QUESTIONS</h2>
                <h1 id="faqs-title">Everything You Need to Know!</h1>
            </div>

            @php
                // Pull dynamic values from site_settings
                $minSalary = (int) (site_setting('loan_min_salary') ?? 15000);
                $minAmount = (int) (site_setting('loan_min_amount') ?? 50000);
                $maxAmount = (int) (site_setting('loan_max_amount') ?? 500000);
                $tenureDef = (int) (site_setting('loan_default_tenure_months') ?? 12);

                $tenureMin = (int) (site_setting('loan_min_tenure_months') ?? 12);
                $tenureMax = (int) (site_setting('loan_max_tenure_months') ?? 60);

                // Basic INR formatting
                $fmt = fn(int $n) => '₹' . number_format($n);

                // FAQ content map
                $faqs = [
                    [
                        'q' => 'What is the minimum salary required to apply for a loan?',
                        'a' => "<p>To be eligible for a loan, you should have a minimum monthly salary of {$fmt(
            $minSalary,
        )}. This ensures you have the financial capacity to manage repayments comfortably.</p>",
                    ],
                    [
                        'q' => 'What documents are required for salaried individuals?',
                        'a' => '<p>As a salaried applicant, you’ll need to provide:</p>
                  <ul>
                    <li>Identity Proof: PAN Card</li>
                    <li>Address Proof: Aadhaar Card, Passport, or Utility Bills</li>
                    <li>Income Proof: Recent salary slips and bank statements</li>
                  </ul>
                  <p>These documents help us verify your identity, residence, and financial stability.</p>',
                    ],
                    [
                        'q' => 'What is the maximum loan amount I can avail?',
                        'a' => "<p>Eligible salaried individuals can apply for loans ranging from {$fmt(
            $minAmount,
        )} to {$fmt(
            $maxAmount,
        )}. The exact amount approved depends on your income, credit history, and existing obligations.</p>",
                    ],
                    [
                        'q' => 'What CIBIL score is required for loan approval?',
                        'a' =>
                            '<p>A CIBIL score of 700 or above is generally preferred. However, we also consider applications with lower scores by evaluating other aspects of your financial profile.</p>',
                    ],
                    [
                        'q' => 'How quickly can I receive the loan amount?',
                        'a' =>
                            '<p>Once your application is approved and documentation is verified, the loan amount is typically disbursed to your bank account within 24 to 48 hours.</p>',
                    ],
                    [
                        'q' => 'How do I apply for a loan?',
                        'a' => '<ol>
                    <li><strong>Online Application:</strong> Visit our website and fill out the application form with your personal and financial details.</li>
                    <li><strong>Document Submission:</strong> Upload the required documents for verification.</li>
                    <li><strong>Approval &amp; Disbursal:</strong> Upon successful verification, you’ll receive the loan agreement. Once accepted, funds are transferred to your bank.</li>
                  </ol>',
                    ],
                    [
                        'q' => 'Is physical verification required for loan approval?',
                        'a' =>
                            '<p>Our process is largely digital. In certain cases, a brief in-person verification may be required to ensure all details are accurate.</p>',
                    ],
                    [
                        'q' => 'Can I apply for another loan if I already have an existing one?',
                        'a' =>
                            '<p>Yes. Approval depends on your current income, existing loan repayments, and overall creditworthiness.</p>',
                    ],
                    [
                        'q' => 'What happens if I cannot repay the loan on time?',
                        'a' =>
                            '<p>Missing a payment may result in late fees and can negatively impact your credit score. If you’re facing difficulties, contact our support team promptly to discuss possible solutions.</p>',
                    ],
                    [
                        'q' => 'Are there any prepayment charges if I decide to repay my loan early?',
                        'a' =>
                            '<p>We offer flexibility to prepay without additional charges. Early repayment can help you save on interest costs.</p>',
                    ],
                    [
                        'q' => 'What is the tenure range for personal loans?',
                        'a' => "<p>Our personal loans offer flexible repayment tenures ranging from {$tenureMin} to {$tenureMax} months, so you can choose a plan that fits your finances.</p>",
                    ],
                    [
                        'q' => 'How is the interest rate determined?',
                        'a' =>
                            '<p>Rates depend on your credit score, income, loan amount, and tenure. A higher credit score and stable income generally secure more favorable rates.</p>',
                    ],
                ];
            @endphp

            <div class="row mt-5">
                <div class="col-lg-9 mx-auto">
                    <div class="accordion" id="faqs-accordion">
                        @foreach ($faqs as $i => $item)
                            @php
                                $n = $i + 1;
                                $collapseId = "collapse-{$n}";
                                $headingId = "heading-{$n}";
                            @endphp

                            <div class="accordion-item">
                                <h2 class="accordion-header" id="{{ $headingId }}">
                                    <button class="accordion-button collapsed shadow-none outline-none" type="button"
                                        data-bs-toggle="collapse" data-bs-target="#{{ $collapseId }}"
                                        aria-expanded="false" aria-controls="{{ $collapseId }}">
                                        {{ $item['q'] }}
                                    </button>
                                </h2>
                                <div id="{{ $collapseId }}" class="accordion-collapse collapse"
                                    aria-labelledby="{{ $headingId }}" data-bs-parent="#faqs-accordion">
                                    <div class="accordion-body faqs-accordion-body">
                                        {!! $item['a'] !!}
                                    </div>
                                </div>
                            </div>
                        @endforeach
                    </div>
                </div>
            </div>
        </div>
    </section>
@endsection