MERGE_UAT_BUG_FIXES

app/Controllers/MasterController.php

@@ -4011,204 +4011,10 @@ class MasterController extends AdminController
      */
     public function cronCdLowBalanceAlert()
     {
-        log_message('error', 'cronCdLowBalanceAlert: started');
+        $response = \App\Helpers\CdLowBalanceAlertHelper::runCron();
+        $statusCode = ($response['status'] ?? false) ? 200 : 500;
 
-        try {
-            $cdMasters = $this->CDMasterModel->getCdMastersWithLowAlertThreshold();
-            log_message('error', 'cronCdLowBalanceAlert: CD masters with alert threshold count = ' . count($cdMasters));
-
-            $lowBalanceAccounts = [];
-
-            foreach ($cdMasters as $cdMaster) {
-                $cdAcPk = (int) ($cdMaster['id'] ?? 0);
-                $threshold = (float) ($cdMaster['cd_balance_low_alert_amount'] ?? 0);
-
-                if ($cdAcPk <= 0 || $threshold <= 0) {
-                    continue;
-                }
-
-                $lastDeposit = $this->clientDepositModel
-                    ->select('balance')
-                    ->where('cd_ac_pk', $cdAcPk)
-                    ->where('is_active', 1)
-                    ->orderBy('id', 'DESC')
-                    ->first();
-
-                if (! empty($lastDeposit)) {
-                    $currentBalance = (float) ($lastDeposit['balance'] ?? 0);
-                } else {
-                    $currentBalance = (float) ($cdMaster['opening_bal'] ?? 0);
-                }
-
-                if ($currentBalance >= $threshold) {
-                    continue;
-                }
-
-                $lowBalanceAccounts[] = array_merge($cdMaster, [
-                    'current_balance' => $currentBalance,
-                    'alert_amount' => $threshold,
-                ]);
-            }
-
-            if (empty($lowBalanceAccounts)) {
-                $response = [
-                    'status' => true,
-                    'message' => 'No CD accounts below the configured low-balance alert amount.',
-                    'low_balance_count' => 0,
-                    'account_manager_mails_sent' => 0,
-                    'data' => [],
-                    'errors' => [],
-                ];
-                log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
-                return $this->respond($response, 200);
-            }
-
-            $accountManagerMailsSent = 0;
-            $mailErrors = [];
-            $data = [];
-
-            foreach ($lowBalanceAccounts as $account) {
-                $result = $this->sendCdLowBalanceAccountManagerAlert($account);
-                $accountManagerMailsSent += (int) ($result['sent'] ?? 0);
-                if (! empty($result['errors'])) {
-                    $mailErrors = array_merge($mailErrors, $result['errors']);
-                }
-                if (! empty($result['data'])) {
-                    $data = array_merge($data, $result['data']);
-                }
-            }
-
-            $response = [
-                'status' => true,
-                'message' => 'CD low balance alert cron completed.',
-                'low_balance_count' => count($lowBalanceAccounts),
-                'account_manager_mails_sent' => $accountManagerMailsSent,
-                'data' => $data,
-                'errors' => $mailErrors,
-            ];
-
-            log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
-            return $this->respond($response, 200);
-        } catch (\Throwable $e) {
-            $response = [
-                'status' => false,
-                'message' => 'CD low balance alert cron failed.',
-                'low_balance_count' => 0,
-                'account_manager_mails_sent' => 0,
-                'data' => [],
-                'errors' => [$e->getMessage()],
-            ];
-            log_message('error', 'cronCdLowBalanceAlert Exception: ' . $e->getMessage());
-            log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
-            return $this->respond($response, 500);
-        }
-    }
-
-    private function sendCdLowBalanceAccountManagerAlert(array $account): array
-    {
-        $clientId = (int) ($account['client_id'] ?? 0);
-        $cdAcPk = (int) ($account['id'] ?? 0);
-        $cdAcNo = (string) ($account['cd_ac_no'] ?? '');
-
-        if ($clientId <= 0) {
-            log_message('error', 'cronCdLowBalanceAlert ACM mail: skipped, invalid client_id for cd_ac_pk=' . $cdAcPk);
-            return ['sent' => 0, 'errors' => [], 'data' => []];
-        }
-
-        $recipients = $this->getAccountManagerRecipients($clientId);
-        if (empty($recipients)) {
-            $error = "Client {$clientId}: No account manager found.";
-            log_message('error', 'cronCdLowBalanceAlert ACM mail: ' . $error);
-            return ['sent' => 0, 'errors' => [$error], 'data' => []];
-        }
-
-        $sent = 0;
-        $errors = [];
-        $data = [];
-        $subject = 'CD Low Balance Alert - ' . ($account['client_name'] ?? 'Client');
-
-        foreach ($recipients as $recipient) {
-            $acmEmail = (string) ($recipient['email'] ?? '');
-            $acmName = (string) ($recipient['name'] ?? 'Account Manager');
-            $message = $this->buildCdLowBalanceAccountManagerMailContent($account, $acmName);
-
-            $mailResponse = MailHelper::send_email([
-                'mail' => $acmEmail,
-                'subject' => $subject,
-                'message' => $message,
-                'common' => [
-                    'mail_type' => 'account_manager_cd_low_balance_alert',
-                    'client_id' => $clientId,
-                ],
-            ]);
-
-            $decoded = is_string($mailResponse) ? json_decode($mailResponse, true) : $mailResponse;
-            $mailStatus = is_array($decoded) && ($decoded['status'] ?? '') === 'success' ? 'success' : 'failed';
-
-            $data[] = [
-                'client_id' => $clientId,
-                'cd_ac_pk' => $cdAcPk,
-                'cd_ac_no' => $cdAcNo,
-                'acm_name' => $acmName,
-                'acm_email' => $acmEmail,
-                'mail_status' => $mailStatus,
-            ];
-
-            if ($mailStatus === 'success') {
-                $sent++;
-            } else {
-                $errors[] = "Client {$clientId}: Failed to send alert to {$acmEmail}.";
-            }
-        }
-
-        return ['sent' => $sent, 'errors' => $errors, 'data' => $data];
-    }
-
-    /**
-     * @return array<int, array{name: string, email: string}>
-     */
-    private function getAccountManagerRecipients(int $clientId): array
-    {
-        $rows = $this->insurerRMModel
-            ->select('user_profiles.first_name, user_profiles.email')
-            ->join('user_profiles', 'user_profiles.id = client_rm.user_id')
-            ->where('client_rm.client_id', $clientId)
-            ->where('client_rm.level', 3)
-            ->where('client_rm.is_active', 1)
-            ->where('user_profiles.is_active', 1)
-            ->findAll();
-
-        $recipients = [];
-        $seenEmails = [];
-
-        foreach ($rows as $row) {
-            $email = strtolower(trim((string) ($row['email'] ?? '')));
-            if ($email === '' || isset($seenEmails[$email])) {
-                continue;
-            }
-
-            $seenEmails[$email] = true;
-            $recipients[] = [
-                'name' => trim((string) ($row['first_name'] ?? 'Account Manager')) ?: 'Account Manager',
-                'email' => (string) $row['email'],
-            ];
-        }
-
-        return $recipients;
-    }
-
-    private function buildCdLowBalanceAccountManagerMailContent(array $account, string $recipientName): string
-    {
-        return '<p>Dear ' . esc($recipientName) . ',</p>'
-            . '<p>The CD account balance for <strong>' . esc((string) ($account['client_name'] ?? '')) . '</strong> has fallen below the configured alert threshold.</p>'
-            . '<table border="1" cellpadding="8" cellspacing="0" style="border-collapse:collapse;">'
-            . '<tr><td><strong>Insurer</strong></td><td>' . esc((string) ($account['insurer_name'] ?? '')) . '</td></tr>'
-            . '<tr><td><strong>Insurer Branch</strong></td><td>' . esc((string) ($account['insurer_branch_name'] ?? '')) . '</td></tr>'
-            . '<tr><td><strong>CD Account No</strong></td><td>' . esc((string) ($account['cd_ac_no'] ?? '')) . '</td></tr>'
-            . '<tr><td><strong>Current Balance</strong></td><td>' . esc(number_format((float) ($account['current_balance'] ?? 0), 2, '.', '')) . '</td></tr>'
-            . '<tr><td><strong>Alert Amount</strong></td><td>' . esc(number_format((float) ($account['alert_amount'] ?? 0), 2, '.', '')) . '</td></tr>'
-            . '</table>'
-            . '<p>Please review the CD account and take the required action.</p>';
+        return $this->respond($response, $statusCode);
     }
 
 

app/Helpers/CdLowBalanceAlertHelper.php

@@ -0,0 +1,274 @@
+<?php
+
+namespace App\Helpers;
+
+use App\Models\CDMasterModel;
+use App\Models\ClientDepositModel;
+use App\Models\ClientRMModel;
+
+class CdLowBalanceAlertHelper
+{
+    /**
+     * Check one CD account after a balance reduction and notify account managers if below threshold.
+     */
+    public static function triggerAfterBalanceReduction(?int $cdAcPk, float $currentBalance): void
+    {
+        if ($cdAcPk === null || $cdAcPk <= 0) {
+            return;
+        }
+
+        $account = self::buildLowBalanceAccount($cdAcPk, $currentBalance);
+        if ($account === null) {
+            return;
+        }
+
+        $result = self::sendAccountManagerAlert($account);
+        log_message('error', 'CdLowBalanceAlertHelper triggerAfterBalanceReduction cd_ac_pk=' . $cdAcPk . ': ' . json_encode($result));
+    }
+
+    /**
+     * Cron entry: scan all CD masters with alert threshold configured.
+     *
+     * @return array<string, mixed>
+     */
+    public static function runCron(): array
+    {
+        log_message('error', 'cronCdLowBalanceAlert: started');
+
+        try {
+            $cdMasterModel = new CDMasterModel();
+            $cdMasters = $cdMasterModel->getCdMastersWithLowAlertThreshold();
+            log_message('error', 'cronCdLowBalanceAlert: CD masters with alert threshold count = ' . count($cdMasters));
+
+            $depositModel = new ClientDepositModel();
+            $lowBalanceAccounts = [];
+
+            foreach ($cdMasters as $cdMaster) {
+                $cdAcPk = (int) ($cdMaster['id'] ?? 0);
+                $threshold = (float) ($cdMaster['cd_balance_low_alert_amount'] ?? 0);
+
+                if ($cdAcPk <= 0 || $threshold <= 0) {
+                    continue;
+                }
+
+                $currentBalance = self::resolveCurrentBalance($depositModel, $cdAcPk, (float) ($cdMaster['opening_bal'] ?? 0));
+                if ($currentBalance >= $threshold) {
+                    continue;
+                }
+
+                $lowBalanceAccounts[] = array_merge($cdMaster, [
+                    'current_balance' => $currentBalance,
+                    'alert_amount' => $threshold,
+                ]);
+            }
+
+            if (empty($lowBalanceAccounts)) {
+                $response = [
+                    'status' => true,
+                    'message' => 'No CD accounts below the configured low-balance alert amount.',
+                    'low_balance_count' => 0,
+                    'account_manager_mails_sent' => 0,
+                    'data' => [],
+                    'errors' => [],
+                ];
+                log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
+
+                return $response;
+            }
+
+            $accountManagerMailsSent = 0;
+            $mailErrors = [];
+            $data = [];
+
+            foreach ($lowBalanceAccounts as $account) {
+                $result = self::sendAccountManagerAlert($account);
+                $accountManagerMailsSent += (int) ($result['sent'] ?? 0);
+                if (! empty($result['errors'])) {
+                    $mailErrors = array_merge($mailErrors, $result['errors']);
+                }
+                if (! empty($result['data'])) {
+                    $data = array_merge($data, $result['data']);
+                }
+            }
+
+            $response = [
+                'status' => true,
+                'message' => 'CD low balance alert cron completed.',
+                'low_balance_count' => count($lowBalanceAccounts),
+                'account_manager_mails_sent' => $accountManagerMailsSent,
+                'data' => $data,
+                'errors' => $mailErrors,
+            ];
+            log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
+
+            return $response;
+        } catch (\Throwable $e) {
+            $response = [
+                'status' => false,
+                'message' => 'CD low balance alert cron failed.',
+                'low_balance_count' => 0,
+                'account_manager_mails_sent' => 0,
+                'data' => [],
+                'errors' => [$e->getMessage()],
+            ];
+            log_message('error', 'cronCdLowBalanceAlert Exception: ' . $e->getMessage());
+            log_message('error', 'cronCdLowBalanceAlert: ' . json_encode($response));
+
+            return $response;
+        }
+    }
+
+    /**
+     * @return array<string, mixed>|null
+     */
+    private static function buildLowBalanceAccount(int $cdAcPk, float $currentBalance): ?array
+    {
+        $cdMasterModel = new CDMasterModel();
+        $cdMaster = $cdMasterModel->getCdMasterWithLowAlertThresholdById($cdAcPk);
+        if ($cdMaster === null) {
+            return null;
+        }
+
+        $threshold = (float) ($cdMaster['cd_balance_low_alert_amount'] ?? 0);
+        if ($threshold <= 0 || $currentBalance >= $threshold) {
+            return null;
+        }
+
+        return array_merge($cdMaster, [
+            'current_balance' => $currentBalance,
+            'alert_amount' => $threshold,
+        ]);
+    }
+
+    private static function resolveCurrentBalance(ClientDepositModel $depositModel, int $cdAcPk, float $openingBalance): float
+    {
+        $lastDeposit = $depositModel
+            ->select('balance')
+            ->where('cd_ac_pk', $cdAcPk)
+            ->where('is_active', 1)
+            ->orderBy('id', 'DESC')
+            ->first();
+
+        if (! empty($lastDeposit)) {
+            return (float) ($lastDeposit['balance'] ?? 0);
+        }
+
+        return $openingBalance;
+    }
+
+    /**
+     * @param array<string, mixed> $account
+     * @return array{sent: int, errors: array<int, string>, data: array<int, array<string, mixed>>}
+     */
+    private static function sendAccountManagerAlert(array $account): array
+    {
+        $clientId = (int) ($account['client_id'] ?? 0);
+        $cdAcPk = (int) ($account['id'] ?? 0);
+        $cdAcNo = (string) ($account['cd_ac_no'] ?? '');
+
+        if ($clientId <= 0) {
+            log_message('error', 'cronCdLowBalanceAlert ACM mail: skipped, invalid client_id for cd_ac_pk=' . $cdAcPk);
+
+            return ['sent' => 0, 'errors' => [], 'data' => []];
+        }
+
+        $recipients = self::getAccountManagerRecipients($clientId);
+        if (empty($recipients)) {
+            $error = "Client {$clientId}: No account manager found.";
+            log_message('error', 'cronCdLowBalanceAlert ACM mail: ' . $error);
+
+            return ['sent' => 0, 'errors' => [$error], 'data' => []];
+        }
+
+        $sent = 0;
+        $errors = [];
+        $data = [];
+        $subject = 'CD Low Balance Alert - ' . ($account['client_name'] ?? 'Client');
+
+        foreach ($recipients as $recipient) {
+            $acmEmail = (string) ($recipient['email'] ?? '');
+            $acmName = (string) ($recipient['name'] ?? 'Account Manager');
+            $message = self::buildAccountManagerMailContent($account, $acmName);
+
+            $mailResponse = MailHelper::send_email([
+                'mail' => $acmEmail,
+                'subject' => $subject,
+                'message' => $message,
+                'common' => [
+                    'mail_type' => 'account_manager_cd_low_balance_alert',
+                    'client_id' => $clientId,
+                ],
+            ]);
+
+            $decoded = is_string($mailResponse) ? json_decode($mailResponse, true) : $mailResponse;
+            $mailStatus = is_array($decoded) && ($decoded['status'] ?? '') === 'success' ? 'success' : 'failed';
+
+            $data[] = [
+                'client_id' => $clientId,
+                'cd_ac_pk' => $cdAcPk,
+                'cd_ac_no' => $cdAcNo,
+                'acm_name' => $acmName,
+                'acm_email' => $acmEmail,
+                'mail_status' => $mailStatus,
+            ];
+
+            if ($mailStatus === 'success') {
+                $sent++;
+            } else {
+                $errors[] = "Client {$clientId}: Failed to send alert to {$acmEmail}.";
+            }
+        }
+
+        return ['sent' => $sent, 'errors' => $errors, 'data' => $data];
+    }
+
+    /**
+     * @return array<int, array{name: string, email: string}>
+     */
+    private static function getAccountManagerRecipients(int $clientId): array
+    {
+        $rows = (new ClientRMModel())
+            ->select('user_profiles.first_name, user_profiles.email')
+            ->join('user_profiles', 'user_profiles.id = client_rm.user_id')
+            ->where('client_rm.client_id', $clientId)
+            ->where('client_rm.level', 3)
+            ->where('client_rm.is_active', 1)
+            ->where('user_profiles.is_active', 1)
+            ->findAll();
+
+        $recipients = [];
+        $seenEmails = [];
+
+        foreach ($rows as $row) {
+            $email = strtolower(trim((string) ($row['email'] ?? '')));
+            if ($email === '' || isset($seenEmails[$email])) {
+                continue;
+            }
+
+            $seenEmails[$email] = true;
+            $recipients[] = [
+                'name' => trim((string) ($row['first_name'] ?? 'Account Manager')) ?: 'Account Manager',
+                'email' => (string) $row['email'],
+            ];
+        }
+
+        return $recipients;
+    }
+
+    /**
+     * @param array<string, mixed> $account
+     */
+    private static function buildAccountManagerMailContent(array $account, string $recipientName): string
+    {
+        return '<p>Dear ' . esc($recipientName) . ',</p>'
+            . '<p>The CD account balance for <strong>' . esc((string) ($account['client_name'] ?? '')) . '</strong> has fallen below the configured alert threshold.</p>'
+            . '<table border="1" cellpadding="8" cellspacing="0" style="border-collapse:collapse;">'
+            . '<tr><td><strong>Insurer</strong></td><td>' . esc((string) ($account['insurer_name'] ?? '')) . '</td></tr>'
+            . '<tr><td><strong>Insurer Branch</strong></td><td>' . esc((string) ($account['insurer_branch_name'] ?? '')) . '</td></tr>'
+            . '<tr><td><strong>CD Account No</strong></td><td>' . esc((string) ($account['cd_ac_no'] ?? '')) . '</td></tr>'
+            . '<tr><td><strong>Current Balance</strong></td><td>' . esc(number_format((float) ($account['current_balance'] ?? 0), 2, '.', '')) . '</td></tr>'
+            . '<tr><td><strong>Alert Amount</strong></td><td>' . esc(number_format((float) ($account['alert_amount'] ?? 0), 2, '.', '')) . '</td></tr>'
+            . '</table>'
+            . '<p>Please review the CD account and take the required action.</p>';
+    }
+}

app/Helpers/DepositHelper.php

@@ -76,6 +76,11 @@ class DepositHelper
 
         // Return the response
         if ($insertId) {
+            if (($data['transaction_type'] ?? 'Credit') !== 'Credit') {
+                $cdAcPk = self::resolveCdAcPk($data);
+                CdLowBalanceAlertHelper::triggerAfterBalanceReduction($cdAcPk, $newBalance);
+            }
+
             return [
                 'success' => true,
                 'message' => 'Transaction saved successfully',
@@ -126,6 +131,24 @@ class DepositHelper
 
         return $lastBalance;
     }
+
+    private static function resolveCdAcPk(array $data): ?int
+    {
+        if (! empty($data['cd_ac_pk'])) {
+            return (int) $data['cd_ac_pk'];
+        }
+
+        if (empty($data['cd_ac_no'])) {
+            return null;
+        }
+
+        $cdMaster = (new CDMasterModel())
+            ->where('cd_ac_no', $data['cd_ac_no'])
+            ->where('is_active', 1)
+            ->first();
+
+        return $cdMaster ? (int) $cdMaster['id'] : null;
+    }
 }
 
 ?>

app/Models/CDMasterModel.php

@@ -118,6 +118,34 @@ class CDMasterModel extends Model
      * @return array<int, array<string, mixed>>
      */
     public function getCdMastersWithLowAlertThreshold(): array
+    {
+        return $this->buildCdMastersWithLowAlertThresholdQuery()
+            ->orderBy('cd_master.id', 'desc')
+            ->get()
+            ->getResultArray();
+    }
+
+    /**
+     * @return array<string, mixed>|null
+     */
+    public function getCdMasterWithLowAlertThresholdById(int $cdAcPk): ?array
+    {
+        if ($cdAcPk <= 0) {
+            return null;
+        }
+
+        $row = $this->buildCdMastersWithLowAlertThresholdQuery()
+            ->where('cd_master.id', $cdAcPk)
+            ->get()
+            ->getRowArray();
+
+        return $row ?: null;
+    }
+
+    /**
+     * @return \CodeIgniter\Database\BaseBuilder
+     */
+    private function buildCdMastersWithLowAlertThresholdQuery()
     {
         return $this->db->table('cd_master')
             ->select('cd_master.*, clients.client_name, clients.short_name, insurers.name AS insurer_name, insurer_branch.branch_name AS insurer_branch_name')
@@ -128,9 +156,6 @@ class CDMasterModel extends Model
             ->where('clients.is_active', 1)
             ->where('insurers.is_active', 1)
             ->where('cd_master.cd_balance_low_alert_amount IS NOT NULL', null, false)
-            ->where('cd_master.cd_balance_low_alert_amount >', 0)
-            ->orderBy('cd_master.id', 'desc')
-            ->get()
-            ->getResultArray();
+            ->where('cd_master.cd_balance_low_alert_amount >', 0);
     }
 }

tests/smoke_cd_low_balance_alert.php

@@ -0,0 +1,196 @@
+<?php
+/**
+ * Smoke test: CD low balance alert on debit (DepositHelper + CdLowBalanceAlertHelper)
+ *
+ * Run:
+ *   php tests/smoke_cd_low_balance_alert.php [cd_ac_pk]           # dry-run: show state only
+ *   php tests/smoke_cd_low_balance_alert.php [cd_ac_pk] --debit 1 # live: post 1 INR test debit + alert check
+ *   php tests/smoke_cd_low_balance_alert.php --cron               # run cron scan only
+ */
+
+declare(strict_types=1);
+
+ob_start();
+
+define('FCPATH', __DIR__ . '/../public/');
+chdir(FCPATH);
+
+require FCPATH . '../app/Config/Paths.php';
+$paths = new Config\Paths();
+require rtrim($paths->systemDirectory, '\\/ ') . DIRECTORY_SEPARATOR . 'bootstrap.php';
+require_once SYSTEMPATH . 'Config/DotEnv.php';
+(new CodeIgniter\Config\DotEnv(ROOTPATH))->load();
+
+defined('ENVIRONMENT') || define('ENVIRONMENT', env('CI_ENVIRONMENT', 'development'));
+
+$boot = APPPATH . 'Config/Boot/' . ENVIRONMENT . '.php';
+if (is_file($boot)) {
+    require_once $boot;
+}
+
+use App\Helpers\CdLowBalanceAlertHelper;
+use App\Helpers\DepositHelper;
+use App\Models\CDMasterModel;
+use App\Models\ClientDepositModel;
+use App\Models\ClientRMModel;
+
+$pass    = 0;
+$fail    = 0;
+$results = [];
+
+function ok(string $label, bool $cond, string $detail = ''): void
+{
+    global $pass, $fail, $results;
+    if ($cond) {
+        $pass++;
+        $results[] = '[PASS] ' . $label . ($detail ? " — {$detail}" : '');
+    } else {
+        $fail++;
+        $results[] = '[FAIL] ' . $label . ($detail ? " — {$detail}" : '');
+    }
+}
+
+function argValue(string $flag): ?string
+{
+    global $argv;
+    $idx = array_search($flag, $argv, true);
+    if ($idx === false || ! isset($argv[$idx + 1])) {
+        return null;
+    }
+
+    return (string) $argv[$idx + 1];
+}
+
+function resolveCurrentBalance(ClientDepositModel $depositModel, int $cdAcPk, float $openingBalance): float
+{
+    $lastDeposit = $depositModel
+        ->select('balance')
+        ->where('cd_ac_pk', $cdAcPk)
+        ->where('is_active', 1)
+        ->orderBy('id', 'DESC')
+        ->first();
+
+    if (! empty($lastDeposit)) {
+        return (float) ($lastDeposit['balance'] ?? 0);
+    }
+
+    return $openingBalance;
+}
+
+$db            = db_connect('default');
+$cdMasterModel = new CDMasterModel();
+$depositModel  = new ClientDepositModel();
+$runCron       = in_array('--cron', $argv, true);
+$debitAmount   = argValue('--debit');
+$cdAcPkArg     = null;
+
+foreach (array_slice($argv, 1) as $arg) {
+    if (str_starts_with($arg, '--')) {
+        continue;
+    }
+    if (ctype_digit($arg)) {
+        $cdAcPkArg = (int) $arg;
+        break;
+    }
+}
+
+echo PHP_EOL . '=== smoke_cd_low_balance_alert ===' . PHP_EOL;
+
+if ($runCron) {
+    $response = CdLowBalanceAlertHelper::runCron();
+    ok('cron status', ($response['status'] ?? false) === true, (string) ($response['message'] ?? ''));
+    ok('cron response has data key', array_key_exists('data', $response));
+    echo 'Cron response: ' . json_encode($response, JSON_PRETTY_PRINT) . PHP_EOL;
+} else {
+    $configured = $cdMasterModel->getCdMastersWithLowAlertThreshold();
+    ok('at least one CD master has alert threshold', count($configured) > 0, 'count=' . count($configured));
+
+    if ($cdAcPkArg === null && ! empty($configured)) {
+        $cdAcPkArg = (int) ($configured[0]['id'] ?? 0);
+    }
+
+    ok('cd_ac_pk resolved', $cdAcPkArg !== null && $cdAcPkArg > 0, 'cd_ac_pk=' . ($cdAcPkArg ?? 'none'));
+
+    if ($cdAcPkArg > 0) {
+        $cdMaster = $cdMasterModel->getCdMasterWithLowAlertThresholdById($cdAcPkArg);
+        ok('CD master found with alert threshold', $cdMaster !== null, 'cd_ac_pk=' . $cdAcPkArg);
+
+        if ($cdMaster !== null) {
+            $threshold      = (float) ($cdMaster['cd_balance_low_alert_amount'] ?? 0);
+            $currentBalance = resolveCurrentBalance($depositModel, $cdAcPkArg, (float) ($cdMaster['opening_bal'] ?? 0));
+            $isLow          = $currentBalance < $threshold;
+
+            echo PHP_EOL . 'Account snapshot:' . PHP_EOL;
+            echo '  client_id   : ' . ($cdMaster['client_id'] ?? '') . ' (' . ($cdMaster['client_name'] ?? '') . ')' . PHP_EOL;
+            echo '  cd_ac_pk    : ' . $cdAcPkArg . PHP_EOL;
+            echo '  cd_ac_no    : ' . ($cdMaster['cd_ac_no'] ?? '') . PHP_EOL;
+            echo '  balance     : ' . number_format($currentBalance, 2) . PHP_EOL;
+            echo '  alert amt   : ' . number_format($threshold, 2) . PHP_EOL;
+            echo '  below alert : ' . ($isLow ? 'yes' : 'no') . PHP_EOL;
+
+            $acmRows = (new ClientRMModel())
+                ->select('user_profiles.first_name, user_profiles.email')
+                ->join('user_profiles', 'user_profiles.id = client_rm.user_id')
+                ->where('client_rm.client_id', (int) $cdMaster['client_id'])
+                ->where('client_rm.level', 3)
+                ->where('client_rm.is_active', 1)
+                ->where('user_profiles.is_active', 1)
+                ->findAll();
+            ok('account manager exists for client', count($acmRows) > 0, 'count=' . count($acmRows));
+
+            foreach ($acmRows as $row) {
+                echo '  ACM         : ' . ($row['first_name'] ?? '') . ' <' . ($row['email'] ?? '') . '>' . PHP_EOL;
+            }
+
+            if ($debitAmount !== null) {
+                $amount = (float) $debitAmount;
+                ok('debit amount > 0', $amount > 0, 'amount=' . $amount);
+
+                $beforeBalance = $currentBalance;
+                $afterBalance  = $beforeBalance - $amount;
+
+                echo PHP_EOL . 'Posting test debit of ' . number_format($amount, 2) . ' ...' . PHP_EOL;
+
+                $saveResult = DepositHelper::saveDeposit([
+                    'amount' => $amount,
+                    'sub_type_id' => 4,
+                    'client_id' => (int) $cdMaster['client_id'],
+                    'client_policy_id' => 0,
+                    'endorsement_no' => 'SMOKE-TEST-' . date('YmdHis'),
+                    'cd_ac_no' => (string) ($cdMaster['cd_ac_no'] ?? ''),
+                    'insurer_id' => (int) ($cdMaster['insurer_id'] ?? 0),
+                    'unit' => 'SMOKE',
+                    'description' => 'Smoke test debit for CD low balance alert',
+                    'transaction_type' => 'Debit',
+                    'updated_by' => 1,
+                    'event_name' => 'smoke_test',
+                    'is_active' => 1,
+                    'cd_ac_pk' => $cdAcPkArg,
+                ], 1);
+
+                ok('saveDeposit succeeded', ($saveResult['success'] ?? false) === true, json_encode($saveResult));
+
+                $newBalance = resolveCurrentBalance($depositModel, $cdAcPkArg, (float) ($cdMaster['opening_bal'] ?? 0));
+                ok('balance reduced after debit', $newBalance < $beforeBalance, "before={$beforeBalance}, after={$newBalance}");
+
+                if ($afterBalance < $threshold) {
+                    ok('balance now below alert threshold', $newBalance < $threshold);
+                    echo 'Check writable/logs/log-' . date('Y-m-d') . '.log for CdLowBalanceAlertHelper triggerAfterBalanceReduction' . PHP_EOL;
+                    echo 'ACM mail should be sent if mail is configured.' . PHP_EOL;
+                } else {
+                    echo 'Balance still above alert threshold after debit; no mail expected.' . PHP_EOL;
+                    echo 'Tip: use a larger --debit amount or lower cd_balance_low_alert_amount for this account.' . PHP_EOL;
+                }
+            } else {
+                echo PHP_EOL . 'Dry run only (no debit posted).' . PHP_EOL;
+                echo 'To test live debit + alert: php tests/smoke_cd_low_balance_alert.php ' . $cdAcPkArg . ' --debit 1' . PHP_EOL;
+                echo 'To test cron scan: php tests/smoke_cd_low_balance_alert.php --cron' . PHP_EOL;
+            }
+        }
+    }
+}
+
+echo PHP_EOL . implode(PHP_EOL, $results) . PHP_EOL;
+echo PHP_EOL . "Summary: {$pass} passed, {$fail} failed" . PHP_EOL;
+
+exit($fail > 0 ? 1 : 0);