<?php

namespace App\Libraries\DigitMotor;

use App\Models\MotorKycModel;
use App\Models\MotorPaymentModel;
use App\Models\MotorPolicyModel;
use App\Models\MotorQuoteModel;
use App\Models\MotorVehicleModel;
use Config\DigitMotor as DigitMotorConfig;

/**
 * Business actions against Digit OneAPI executor services.
 */
class DigitExecutorService
{
    protected DigitMotorConfig $config;
    protected DigitApiClient $api;
    protected MotorQuoteModel $quoteModel;
    protected MotorVehicleModel $vehicleModel;
    protected MotorKycModel $kycModel;
    protected MotorPaymentModel $paymentModel;
    protected MotorPolicyModel $policyModel;

    public function __construct(?DigitMotorConfig $config = null, ?DigitApiClient $api = null)
    {
        $this->config       = $config ?? config('DigitMotor');
        $this->api          = $api ?? new DigitApiClient($this->config);
        $this->quoteModel   = new MotorQuoteModel();
        $this->vehicleModel = new MotorVehicleModel();
        $this->kycModel     = new MotorKycModel();
        $this->paymentModel = new MotorPaymentModel();
        $this->policyModel  = new MotorPolicyModel();
    }

    /**
     * Create/update local quote + call motorQuickQuote.
     *
     * @throws DigitApiException
     */
    public function quickQuote(array $input): array
    {
        $enquiryId = $input['enquiry_id'] ?? ('NH' . date('ymdHis') . random_int(100, 999));
        $payload   = $this->buildQuickQuotePayload($input, $enquiryId);

        $quoteId = $this->persistQuoteShell($input, $enquiryId, 'DRAFT');

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['quickQuote'],
            $quoteId
        );

        $premium = $this->pickNumber($response, ['grossPremium', 'premium', 'netPremium', 'totalPremium']);
        $idv     = $this->pickNumber($response, ['idv', 'vehicleIDV', 'insuredDeclaredValue']);
        if ($idv === null && isset($response['vehicle']['vehicleIDV']['idv'])) {
            $idv = (float) $response['vehicle']['vehicleIDV']['idv'];
        }

        $vehicleIdv = $response['vehicle']['vehicleIDV'] ?? $response['vehicleIDV'] ?? [];

        $this->quoteModel->update($quoteId, [
            'premium' => $premium,
            'idv'     => $idv,
            'status'  => 'QUOTED',
            'coverage_details' => json_encode($input['coverages'] ?? $payload['contract']['coverages'] ?? []),
        ]);

        $vehicle = $this->vehicleModel->where('quote_id', $quoteId)->first();
        if ($vehicle) {
            $this->vehicleModel->update($vehicle['id'], [
                'idv'         => $idv ?? ($vehicleIdv['idv'] ?? null),
                'default_idv' => $vehicleIdv['defaultIdv'] ?? $vehicleIdv['defaultIDV'] ?? null,
                'minimum_idv' => $vehicleIdv['minimumIdv'] ?? $vehicleIdv['minIdv'] ?? null,
                'maximum_idv' => $vehicleIdv['maximumIdv'] ?? $vehicleIdv['maxIdv'] ?? null,
            ]);
        }

        return [
            'quote_id'   => $quoteId,
            'enquiry_id' => $enquiryId,
            'premium'    => $premium,
            'idv'        => $idv,
            'status'     => 'QUOTED',
            'response'   => $response,
        ];
    }

    /**
     * Call motorCreateQuote for an existing quoted row.
     *
     * @throws DigitApiException
     */
    public function createQuote(int $quoteId, array $input = []): array
    {
        $detail = $this->quoteModel->getDetail($quoteId);
        if (!$detail) {
            throw new DigitApiException('Quote not found.', '404', 404);
        }

        $payload = $this->buildCreateQuotePayload($detail, $input);

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['createQuote'],
            $quoteId
        );

        $quoteNumber   = $response['quoteNumber'] ?? $response['policyNumber'] ?? ($response['contract']['quoteNumber'] ?? null);
        $applicationId = $response['applicationId'] ?? $response['policyId'] ?? ($response['contract']['applicationId'] ?? null);
        $premium       = $this->pickNumber($response, ['grossPremium', 'premium', 'netPremium', 'totalPremium']) ?? $detail['premium'];

        $this->quoteModel->update($quoteId, [
            'quote_number'   => $quoteNumber,
            'application_id' => $applicationId,
            'premium'        => $premium,
            'start_date'     => $input['start_date'] ?? $detail['start_date'],
            'end_date'       => $input['end_date'] ?? $detail['end_date'],
            'status'         => 'CREATED',
        ]);

        return [
            'quote_id'       => $quoteId,
            'quote_number'   => $quoteNumber,
            'application_id' => $applicationId,
            'premium'        => $premium,
            'status'         => 'CREATED',
            'response'       => $response,
        ];
    }

    /**
     * Poll KYC status and upsert motor_kyc.
     *
     * @throws DigitApiException
     */
    public function kycStatus(int $quoteId): array
    {
        $detail = $this->quoteModel->getDetail($quoteId);
        if (!$detail || empty($detail['quote_number'])) {
            throw new DigitApiException('Quote number is required for KYC status. Create quote first.', '400', 400);
        }

        $payload = [
            'queryParam' => [
                'policyNumber' => $detail['quote_number'],
            ],
        ];

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['kycStatus'],
            $quoteId
        );

        $status = $response['kycVerificationStatus']
            ?? $response['kycStatus']
            ?? ($response['kyc']['kycVerificationStatus'] ?? null);

        $row = [
            'quote_id'                      => $quoteId,
            'kyc_id'                        => $response['kycId'] ?? ($response['kyc']['kycId'] ?? null),
            'kyc_verification_status'       => $status,
            'reference_id'                  => $response['referenceId'] ?? ($response['kyc']['referenceId'] ?? null),
            'link'                          => $response['link'] ?? ($response['kyc']['link'] ?? null),
            'mismatch_type'                 => $response['mismatchType'] ?? null,
            'id_verification_doc_type'      => $response['idVerificationDocType'] ?? null,
            'address_verification_doc_type' => $response['addressVerificationDocType'] ?? null,
            'mode'                          => $response['mode'] ?? 'O',
            'checked_at'                    => date('Y-m-d H:i:s'),
        ];

        $existing = $this->kycModel->where('quote_id', $quoteId)->orderBy('id', 'DESC')->first();
        if ($existing) {
            $this->kycModel->update($existing['id'], $row);
            $row['id'] = $existing['id'];
        } else {
            $row['id'] = $this->kycModel->insert($row);
        }

        $normalized = strtoupper((string) $status);
        if (in_array($normalized, ['DONE', 'VERIFIED', 'SUCCESS', 'COMPLETED'], true)) {
            $this->quoteModel->update($quoteId, ['status' => 'KYC_DONE']);
        }

        return [
            'quote_id' => $quoteId,
            'kyc'      => $row,
            'status'   => $status,
            'response' => $response,
        ];
    }

    /**
     * Generate payment link.
     *
     * @throws DigitApiException
     */
    public function paymentLink(int $quoteId, array $input = []): array
    {
        $detail = $this->quoteModel->getDetail($quoteId);
        if (!$detail || empty($detail['application_id'])) {
            throw new DigitApiException('Application ID is required for payment. Create quote first.', '400', 400);
        }

        $premiumAmount = $input['premium_amount']
            ?? ('INR ' . number_format((float) ($detail['premium'] ?? 0), 2, '.', ''));

        $successUrl = $input['success_return_url']
            ?? base_url('digit-motor/payment/callback/success/' . $quoteId);
        $cancelUrl = $input['cancel_return_url']
            ?? base_url('digit-motor/payment/callback/cancel/' . $quoteId);

        $payload = [
            'premiumAmount'    => $premiumAmount,
            'paymentMode'      => $input['payment_mode'] ?? 'EB',
            'successReturnUrl' => $successUrl,
            'cancelReturnUrl'  => $cancelUrl,
            'applicationId'    => $detail['application_id'],
        ];

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['payment'],
            $quoteId
        );

        $dispatcher = $response['dispatcherResponse']
            ?? $response['paymentLink']
            ?? $response['redirectUrl']
            ?? null;

        $row = [
            'quote_id'            => $quoteId,
            'application_id'      => $detail['application_id'],
            'digit_payment_id'    => $response['digitPaymentId'] ?? $response['paymentId'] ?? null,
            'request_reference'   => $response['requestReference'] ?? null,
            'payment_mode'        => $payload['paymentMode'],
            'cancel_return_url'   => $cancelUrl,
            'success_return_url'  => $successUrl,
            'dispatcher_response' => $dispatcher,
            'premium'             => $detail['premium'],
            'payment_status'      => 'LINK_GENERATED',
            'created_at'          => date('Y-m-d H:i:s'),
        ];

        $row['id'] = $this->paymentModel->insert($row);

        return [
            'quote_id'           => $quoteId,
            'payment'            => $row,
            'dispatcher_response'=> $dispatcher,
            'response'           => $response,
        ];
    }

    /**
     * Poll policy status.
     *
     * @throws DigitApiException
     */
    public function policyStatus(int $quoteId): array
    {
        $detail = $this->quoteModel->getDetail($quoteId);
        if (!$detail || empty($detail['quote_number'])) {
            throw new DigitApiException('Quote/policy number is required for policy status.', '400', 400);
        }

        $payload = [
            'queryParam' => [
                'policyNumber' => $detail['quote_number'],
            ],
        ];

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['policyStatus'],
            $quoteId
        );

        $policyStatus = $response['policyStatus']
            ?? $response['status']
            ?? ($response['policy']['policyStatus'] ?? null);
        $policyNumber = $response['policyNumber'] ?? $detail['quote_number'];

        $row = [
            'quote_id'         => $quoteId,
            'policy_number'    => $policyNumber,
            'policy_status'    => $policyStatus,
            'response_code'    => isset($response['responseCode']) ? (string) $response['responseCode'] : null,
            'response_message' => $response['responseMessage'] ?? null,
            'updated_at'       => date('Y-m-d H:i:s'),
        ];

        $existing = $this->policyModel->where('quote_id', $quoteId)->first();
        if ($existing) {
            $this->policyModel->update($existing['id'], $row);
            $row['id'] = $existing['id'];
            $row['schedule_path'] = $existing['schedule_path'];
            $row['proposal_path'] = $existing['proposal_path'];
        } else {
            $row['id'] = $this->policyModel->insert($row);
        }

        $normalized = strtoupper((string) $policyStatus);
        if (in_array($normalized, ['EFFECTIVE', 'COMPLETE', 'COMPLETED', 'ACTIVE'], true)) {
            $this->quoteModel->update($quoteId, ['status' => 'EFFECTIVE']);
            if (!empty($detail['payment'])) {
                $this->paymentModel->update($detail['payment']['id'], ['payment_status' => 'PAID']);
            }
        }

        return [
            'quote_id' => $quoteId,
            'policy'   => $row,
            'status'   => $policyStatus,
            'response' => $response,
        ];
    }

    /**
     * Fetch policy PDF paths (only after policy is effective-ish).
     *
     * @throws DigitApiException
     */
    public function policyPdf(int $quoteId): array
    {
        $detail = $this->quoteModel->getDetail($quoteId);
        if (!$detail) {
            throw new DigitApiException('Quote not found.', '404', 404);
        }

        $policyId = $detail['application_id']
            ?? ($detail['policy']['policy_number'] ?? null);
        if (empty($policyId)) {
            throw new DigitApiException('Application/policy ID is required for PDF.', '400', 400);
        }

        $policyStatus = strtoupper((string) ($detail['policy']['policy_status'] ?? $detail['status'] ?? ''));
        if (!in_array($policyStatus, ['EFFECTIVE', 'COMPLETE', 'COMPLETED', 'ACTIVE', 'PAID'], true)
            && !in_array(strtoupper((string) $detail['status']), ['EFFECTIVE', 'PAID'], true)) {
            throw new DigitApiException(
                'Policy PDF is available only after the policy is effective. Current status: ' . ($detail['status'] ?? 'unknown'),
                '400',
                400
            );
        }

        $payload = [
            'policyId' => $policyId,
            'headerParam' => [
                'Authorization' => $this->config->pdfAuthKey,
            ],
        ];

        $response = $this->api->post(
            $this->config->executorPath,
            $payload,
            $this->config->integrationIds['policyPdf'],
            $quoteId
        );

        $schedulePath = $response['schedulePath'] ?? $response['policySchedulePath'] ?? ($response['schedule'] ?? null);
        $proposalPath = $response['proposalPath'] ?? $response['proposalFormPath'] ?? ($response['proposal'] ?? null);

        $row = [
            'quote_id'         => $quoteId,
            'policy_number'    => $detail['quote_number'],
            'policy_status'    => $detail['policy']['policy_status'] ?? $detail['status'],
            'schedule_path'    => $schedulePath,
            'proposal_path'    => $proposalPath,
            'response_code'    => isset($response['responseCode']) ? (string) $response['responseCode'] : null,
            'response_message' => $response['responseMessage'] ?? null,
            'updated_at'       => date('Y-m-d H:i:s'),
        ];

        $existing = $this->policyModel->where('quote_id', $quoteId)->first();
        if ($existing) {
            $this->policyModel->update($existing['id'], $row);
            $row['id'] = $existing['id'];
        } else {
            $row['id'] = $this->policyModel->insert($row);
        }

        return [
            'quote_id' => $quoteId,
            'policy'   => $row,
            'response' => $response,
        ];
    }

    protected function persistQuoteShell(array $input, string $enquiryId, string $status): int
    {
        $existing = $this->quoteModel->where('enquiry_id', $enquiryId)->first();

        $quoteData = [
            'enquiry_id'                 => $enquiryId,
            'policy_holder_type'         => $input['policy_holder_type'] ?? 'INDIVIDUAL',
            'insurance_product_code'     => (string) ($input['insurance_product_code'] ?? '20101'),
            'sub_insurance_product_code' => (string) ($input['sub_insurance_product_code'] ?? 'PB'),
            'previous_insurer_code'      => $input['previous_insurer_code'] ?? null,
            'previous_policy_expiry_date'=> $input['previous_policy_expiry_date'] ?? null,
            'external_policy_number'     => $input['previous_policy_number'] ?? null,
            'is_ncb_transfer'            => !empty($input['is_ncb_transfer']) ? 1 : 0,
            'start_date'                 => $input['start_date'] ?? null,
            'end_date'                   => $input['end_date'] ?? null,
            'pincode'                    => (string) ($input['pincode'] ?? ''),
            'coverage_details'           => json_encode($input['coverages'] ?? []),
            'status'                     => $status,
        ];

        if ($existing) {
            $quoteId = (int) $existing['id'];
            $this->quoteModel->update($quoteId, $quoteData);
            $vehicle = $this->vehicleModel->where('quote_id', $quoteId)->first();
            $vehicleData = $this->vehicleRowFromInput($input, $quoteId);
            if ($vehicle) {
                $this->vehicleModel->update($vehicle['id'], $vehicleData);
            } else {
                $this->vehicleModel->insert($vehicleData);
            }
            return $quoteId;
        }

        $quoteId = (int) $this->quoteModel->insert($quoteData);
        $this->vehicleModel->insert($this->vehicleRowFromInput($input, $quoteId));
        return $quoteId;
    }

    protected function vehicleRowFromInput(array $input, int $quoteId): array
    {
        $plate = strtoupper(preg_replace('/\s+/', '', (string) ($input['license_plate_number'] ?? '')));
        $authority = $input['registration_authority'] ?? null;
        if (!$authority && strlen($plate) >= 4) {
            $authority = substr($plate, 0, 4);
        }

        return [
            'quote_id'                      => $quoteId,
            'is_vehicle_new'                => !empty($input['is_vehicle_new']) ? 1 : 0,
            'vehicle_maincode'              => (string) ($input['vehicle_maincode'] ?? ''),
            'license_plate_number'          => $plate,
            'vehicle_identification_number' => $input['vehicle_identification_number'] ?? null,
            'engine_number'                 => $input['engine_number'] ?? null,
            'manufacture_date'              => $input['manufacture_date'] ?? date('Y-m-d'),
            'registration_date'             => $input['registration_date'] ?? date('Y-m-d'),
            'registration_authority'        => $authority,
            'idv'                           => $input['idv'] ?? 0,
        ];
    }

    protected function buildQuickQuotePayload(array $input, string $enquiryId): array
    {
        $plate = strtoupper(preg_replace('/\s+/', '', (string) ($input['license_plate_number'] ?? '')));
        $authority = $input['registration_authority'] ?? (strlen($plate) >= 4 ? substr($plate, 0, 4) : '');
        $coverages = $this->defaultCoverages($input['coverages'] ?? []);

        return [
            'vehicle' => [
                'isVehicleNew' => !empty($input['is_vehicle_new']),
                'vehicleIDV' => [
                    'idv' => (string) ($input['idv'] ?? '0'),
                ],
                'vehicleMaincode'              => (string) ($input['vehicle_maincode'] ?? ''),
                'licensePlateNumber'           => $plate,
                'registrationAuthority'        => $authority,
                'vehicleIdentificationNumber'  => $input['vehicle_identification_number'] ?? '',
                'engineNumber'                 => $input['engine_number'] ?? '',
                'manufactureDate'              => $input['manufacture_date'] ?? null,
                'registrationDate'             => $input['registration_date'] ?? null,
                'fastTagNumber'                => null,
                'ownershipSerialNumber'        => 0,
            ],
            'previousInsurer' => [
                'isPreviousInsurerKnown'   => !empty($input['previous_insurer_code']),
                'previousInsurerCode'      => isset($input['previous_insurer_code']) ? (string) $input['previous_insurer_code'] : '',
                'previousPolicyExpiryDate' => $input['previous_policy_expiry_date'] ?? null,
                'previousPolicyNumber'     => $input['previous_policy_number'] ?? '',
                'isClaimInLastYear'        => !empty($input['is_claim_in_last_year']),
                'previousNoClaimBonus'     => $input['previous_ncb'] ?? 'ZERO',
                'previousPolicyType'       => $input['previous_policy_type'] ?? '',
            ],
            'contract' => [
                'insuranceProductCode'     => (int) ($input['insurance_product_code'] ?? 20102),
                'startDate'                => $input['start_date'] ?? null,
                'endDate'                  => $input['end_date'] ?? null,
                'policyTerm'               => (int) ($input['policy_term'] ?? 1),
                'coverages'                => $coverages,
                'subInsuranceProductCode'  => $input['sub_insurance_product_code'] ?? 'PB',
                'policyHolderType'         => $input['policy_holder_type'] ?? 'INDIVIDUAL',
                'externalPolicyNumber'     => $input['external_policy_number'] ?? '',
            ],
            'pinCode'   => (int) ($input['pincode'] ?? 0),
            'enquiryId' => $enquiryId,
        ];
    }

    protected function buildCreateQuotePayload(array $detail, array $input): array
    {
        $vehicle = $detail['vehicle'] ?? [];
        $coverages = $input['coverages']
            ?? (is_array($detail['coverage_details']) ? $detail['coverage_details'] : $this->defaultCoverages([]));

        $plate = $vehicle['license_plate_number'] ?? '';
        $authority = $vehicle['registration_authority'] ?? (strlen($plate) >= 4 ? substr($plate, 0, 4) : '');

        $startDate = $input['start_date'] ?? $detail['start_date'];
        $endDate   = $input['end_date'] ?? $detail['end_date'];

        $payload = [
            'enquiryId' => $detail['enquiry_id'],
            'contract' => [
                'insuranceProductCode'     => (string) ($detail['insurance_product_code'] ?? '20101'),
                'subInsuranceProductCode'  => (string) ($detail['sub_insurance_product_code'] ?? 'PB'),
                'startDate'                => $startDate,
                'endDate'                  => $endDate,
                'policyHolderType'         => $detail['policy_holder_type'] ?? 'INDIVIDUAL',
                'externalPolicyNumber'     => $detail['external_policy_number'],
                'isNCBTransfer'            => !empty($detail['is_ncb_transfer']) ? true : null,
                'coverages'                => $coverages,
            ],
            'vehicle' => [
                'isVehicleNew'                => !empty($vehicle['is_vehicle_new']) ? 'false' : 'false',
                'vehicleMaincode'             => $vehicle['vehicle_maincode'] ?? '',
                'licensePlateNumber'          => $plate,
                'vehicleIdentificationNumber' => $vehicle['vehicle_identification_number'] ?? '',
                'registrationAuthority'       => $authority,
                'engineNumber'                => $vehicle['engine_number'] ?? '',
                'manufactureDate'             => $vehicle['manufacture_date'] ?? null,
                'registrationDate'            => $vehicle['registration_date'] ?? null,
                'vehicleIDV' => [
                    'idv' => (float) ($vehicle['idv'] ?? $detail['idv'] ?? 0),
                ],
                'usageType'  => null,
                'permitType' => null,
                'motorType'  => null,
            ],
            'hypothecation' => [
                'isHypothecation'     => false,
                'hypothecationAgency' => '',
                'hypothecationCIty'   => '',
            ],
            'previousInsurer' => [
                'isPreviousInsurerKnown'   => !empty($detail['previous_insurer_code']),
                'previousInsurerCode'      => isset($detail['previous_insurer_code']) ? (string) $detail['previous_insurer_code'] : '',
                'previousPolicyNumber'     => $detail['external_policy_number'] ?? '',
                'previousPolicyExpiryDate' => $detail['previous_policy_expiry_date'] ?? null,
                'isClaimInLastYear'        => $input['is_claim_in_last_year'] ?? 'false',
                'originalPreviousPolicyType' => $input['previous_policy_type'] ?? '1OD_1TP',
                'previousPolicyType'       => $input['previous_policy_type'] ?? '1OD_1TP',
                'previousNoClaimBonus'     => $input['previous_ncb'] ?? 'ZERO',
                'currentThirdPartyPolicy'  => null,
            ],
            'pospInfo' => [
                'isPOSP' => 'false',
                'pospName' => null,
                'pospUniqueNumber' => null,
                'pospLocation' => '',
                'pospPanNumber' => null,
                'pospAadhaarNumber' => null,
                'pospContactNumber' => null,
            ],
            'persons' => $input['persons'] ?? [$this->defaultPerson($input, $detail)],
            'dealer' => [
                'dealerName'   => '',
                'city'         => '',
                'deliveryDate' => null,
            ],
            'motorQuestions' => [
                'furtherAgreement' => '',
                'selfInspection'   => false,
                'financer'         => '',
            ],
            'motorBreakIn' => [
                'isBreakin'                 => false,
                'breakinExcess'             => null,
                'breakinComments'           => null,
                'isPreInspectionWaived'     => false,
                'isPreInspectionCompleted'  => null,
                'isDocumentUploaded'        => null,
            ],
            'kyc' => $input['kyc'] ?? [
                'isKYCDone'            => !empty($input['kyc_id']),
                'ckycReferenceDocId'   => $input['ckyc_doc_id'] ?? 'D07',
                'ckycReferenceNumber'  => $input['ckyc_reference'] ?? ($input['pan'] ?? ''),
                'dateOfBirth'          => $input['dob'] ?? null,
                'photo'                => '',
            ],
            'nominee' => $input['nominee'] ?? [
                'firstName'   => $input['nominee_first_name'] ?? 'NOMINEE',
                'middleName'  => '',
                'lastName'    => $input['nominee_last_name'] ?? '',
                'dateOfBirth' => $input['nominee_dob'] ?? '1990-01-01',
                'relation'    => $input['nominee_relation'] ?? 'OTHER',
                'personType'  => 'INDIVIDUAL',
            ],
        ];

        // Fix isVehicleNew flag properly
        $payload['vehicle']['isVehicleNew'] = !empty($vehicle['is_vehicle_new']) ? 'true' : 'false';

        return $payload;
    }

    protected function defaultPerson(array $input, array $detail): array
    {
        $pincode = $detail['pincode'] ?? ($input['pincode'] ?? '');
        return [
            'personType' => 'INDIVIDUAL',
            'addresses' => [[
                'addressType'  => 'PRIMARY_RESIDENCE',
                'flatNumber'   => null,
                'streetNumber' => null,
                'street'       => $input['address'] ?? '',
                'district'     => '',
                'state'        => (string) ($input['state_code'] ?? ''),
                'city'         => $input['city'] ?? '',
                'country'      => 'IN',
                'pincode'      => (string) $pincode,
            ]],
            'communications' => [
                [
                    'communicationType' => 'MOBILE',
                    'communicationId'   => $input['mobile'] ?? '9999999999',
                    'isPrefferedCommunication' => true,
                ],
                [
                    'communicationType' => 'EMAIL',
                    'communicationId'   => $input['email'] ?? 'noreply@nhance.local',
                    'isPrefferedCommunication' => true,
                ],
            ],
            'identificationDocuments' => [
                [
                    'issuingPlace' => 'IN',
                    'documentType' => 'PAN_CARD',
                    'documentId'   => $input['pan'] ?? '',
                ],
            ],
            'isPolicyHolder'  => true,
            'isVehicleOwner'  => true,
            'firstName'       => $input['first_name'] ?? 'CUSTOMER',
            'middleName'      => null,
            'lastName'        => $input['last_name'] ?? '',
            'dateOfBirth'     => $input['dob'] ?? '1990-01-01',
            'gender'          => $input['gender'] ?? 'MALE',
            'isDriver'        => true,
            'isInsuredPerson' => true,
        ];
    }

    protected function defaultCoverages(array $overrides): array
    {
        $base = [
            'isIMT23' => false,
            'personalAccident' => [
                'selection' => !empty($overrides['personal_accident'] ?? true),
                'insuredAmount' => 1500000,
                'coverTerm' => 1,
            ],
            'addons' => [
                'personalBelonging'  => ['selection' => !empty($overrides['personal_belonging'])],
                'returnToInvoice'    => ['selection' => !empty($overrides['return_to_invoice'])],
                'rimProtection'      => ['selection' => !empty($overrides['rim_protection'])],
                'consumables'        => ['selection' => !empty($overrides['consumables'])],
                'partsDepreciation'  => [
                    'selection'     => !empty($overrides['zero_dep'] ?? $overrides['parts_depreciation']),
                    'claimsCovered' => $overrides['claims_covered'] ?? 'TWO',
                ],
                'engineProtection'   => ['selection' => !empty($overrides['engine_protect'])],
                'tyreProtection'     => ['selection' => !empty($overrides['tyre_protect'])],
                'roadSideAssistance' => ['selection' => !empty($overrides['rsa'] ?? $overrides['roadside_assistance'])],
                'keyAndLockProtect'  => ['selection' => !empty($overrides['key_protect'])],
            ],
            'accessories' => [
                'electrical'    => ['selection' => false, 'insuredAmount' => 0],
                'nonElectrical' => ['selection' => false, 'insuredAmount' => 0],
                'cng'           => ['selection' => false, 'insuredAmount' => 0],
            ],
            'voluntaryDeductible' => $overrides['voluntary_deductible'] ?? 'ZERO',
            'isGeoExt' => null,
            'legalLiability' => [
                'nonFarePaxLL' => ['selection' => false, 'insuredCount' => 1],
                'unnamedPaxLL' => ['selection' => false, 'insuredCount' => 0],
                'workersCompensationLL' => ['selection' => false, 'insuredCount' => 1],
                'paidDriverLL' => ['selection' => true, 'insuredCount' => 1],
                'employeesLL'  => ['selection' => false, 'insuredCount' => 1],
                'cleanersLL'   => ['selection' => false, 'insuredCount' => 1],
            ],
            'thirdPartyLiability' => [
                'isTPPD' => array_key_exists('tppd', $overrides) ? (bool) $overrides['tppd'] : true,
            ],
            'unnamedPA' => [
                'unnamedPaidDriver' => ['selection' => false, 'insuredAmount' => 100000, 'insuredCount' => 1],
                'unnamedPax'        => ['selection' => false, 'insuredAmount' => 0, 'insuredCount' => 4],
                'unnamedConductor'  => ['selection' => false, 'insuredAmount' => 100000, 'insuredCount' => 1],
                'unnamedHirer'      => ['selection' => false, 'insuredAmount' => 100000, 'insuredCount' => 1],
                'unnamedPillionRider'=> ['selection' => false, 'insuredAmount' => 100000, 'insuredCount' => 1],
                'unnamedCleaner'    => ['selection' => false, 'insuredAmount' => 100000, 'insuredCount' => 1],
            ],
            'isOverturningExclusionIMT47' => false,
            'isTheftAndConversionRiskIMT43' => false,
            'ownDamage' => [
                'discount' => [
                    'userSpecialDiscountPercent' => 0,
                    'discounts' => [],
                ],
                'surcharge' => [
                    'loadings' => [],
                ],
            ],
        ];

        // If caller passed a Digit-shaped coverages object already, prefer it
        if (isset($overrides['addons']) || isset($overrides['thirdPartyLiability'])) {
            return array_replace_recursive($base, $overrides);
        }

        return $base;
    }

    protected function pickNumber(array $response, array $keys): ?float
    {
        foreach ($keys as $key) {
            if (isset($response[$key]) && is_numeric($response[$key])) {
                return (float) $response[$key];
            }
        }
        if (isset($response['premiumBreakUp']) && is_array($response['premiumBreakUp'])) {
            foreach (['grossPremium', 'totalPremium', 'netPremium'] as $k) {
                if (isset($response['premiumBreakUp'][$k]) && is_numeric($response['premiumBreakUp'][$k])) {
                    return (float) $response['premiumBreakUp'][$k];
                }
            }
        }
        return null;
    }
}