/* ============================================================
   REPLACE the existing calculate(), showWhatIf(), and sendEmail()
   functions in Snippet 95 with these three. Everything else in the
   snippet (rendering functions, insight text, HTML) stays unchanged.

   Uses window.dsAjax (ajaxUrl + nonce) instead of window.dsNonce —
   dsNonce is not a documented plugin global and may be undefined.
   ============================================================ */

function calculate() {
  var debts = getDebts();
  var budget = parseFloat(document.getElementById('ds-budget').value) || 0;
  if (debts.length === 0) { alert('Please enter at least one debt with a balance.'); return; }
  if (budget <= 0) { alert('Please enter your monthly budget.'); return; }

  var totalMin = debts.reduce(function(s,x) { return s + x.min; }, 0);
  if (budget < totalMin) {
    alert('Your budget (' + fmt(budget) + ') is less than your total minimum payments (' + fmt(totalMin) + '). Please increase your budget.');
    return;
  }

  var btn = document.querySelector('.ds-btn-green[onclick="calculate()"]');
  if (btn) { btn.textContent = 'Calculating...'; btn.disabled = true; }

  var ajax = window.dsAjax || {};
  fetch((ajax.ajaxUrl || (window.location.origin + '/wp-admin/admin-ajax.php')), {
    method: 'POST',
    headers: {'Content-Type':'application/x-www-form-urlencoded'},
    body: 'action=ds_calculate_t1'
      + '&nonce=' + encodeURIComponent(ajax.nonce || '')
      + '&debts=' + encodeURIComponent(JSON.stringify(debts))
      + '&budget=' + encodeURIComponent(budget)
      + '&strategy=' + encodeURIComponent(strategy)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    if (btn) { btn.textContent = 'Calculate My Debt-Free Date →'; btn.disabled = false; }
    if (!res.success) {
      if (res.data && res.data.message === 'budget_below_minimum') {
        alert('Your budget is less than your total minimum payments (' + fmt(res.data.total_min) + '). Please increase your budget.');
      } else {
        alert((res.data && res.data.message) || 'Something went wrong. Please try again.');
      }
      return;
    }
    renderResults(res.data, debts, budget);
  })
  .catch(function() {
    if (btn) { btn.textContent = 'Calculate My Debt-Free Date →'; btn.disabled = false; }
    alert('Something went wrong. Please check your connection and try again.');
  });
}

function renderResults(data, debts, budget) {
  var strategyMap = { avalanche: data.avalanche, snowball: data.snowball, smart: data.smart };
  var mainRes = strategyMap[strategy];
  var totalDebt = data.total_debt;
  var totalMin = data.total_min;

  // stash for What-If and email/save — same shape as before, now backend-sourced
  calcResult = {
    debts: debts,
    budget: budget,
    mainRes: {
      months: mainRes.months,
      totalInterest: mainRes.total_interest,
      firstMonthInterest: mainRes.first_month_interest,
      schedule: mainRes.schedule
    },
    avRes: { months: data.avalanche.months, totalInterest: data.avalanche.total_interest },
    snRes: { months: data.snowball.months, totalInterest: data.snowball.total_interest },
    smRes: { months: data.smart.months, totalInterest: data.smart.total_interest },
    totalDebt: totalDebt
  };

  document.getElementById('res-date').textContent = getDebtFreeDate(mainRes.months);
  document.getElementById('res-months').textContent = mainRes.months + ' months from today';
  var sNames = { avalanche: '🏔️ Avalanche Method — highest APR first', snowball: '⛄ Snowball Method — smallest balance first', smart: '🤖 Smart Focus Method — AI-balanced' };
  document.getElementById('res-strategy-name').textContent = sNames[strategy];
  document.getElementById('res-total-interest').textContent = fmt(mainRes.total_interest);
  document.getElementById('res-monthly-interest').textContent = fmt(mainRes.first_month_interest);
  document.getElementById('res-total-debt').textContent = fmt(totalDebt);

  var pct = Math.min(Math.round((1 / mainRes.months) * 100), 5);
  document.getElementById('res-progress-pct').textContent = pct + '% complete';
  setTimeout(function() { document.getElementById('res-progress-bar').style.width = pct + '%'; }, 300);
  document.getElementById('res-halfway').textContent = getDebtFreeDate(Math.round(mainRes.months / 2));
  document.getElementById('res-free-label').textContent = getDebtFreeDate(mainRes.months);

  var highDebt = debts.reduce(function(p,c) { return c.apr > p.apr ? c : p; }, debts[0]);
  var insight = '';
  if (mainRes.months > 60) {
    insight = 'You\'re currently on track for over ' + mainRes.months + ' months. Every extra ' + sym + '50/month knocks months off that timeline. Your highest-cost debt is ' + highDebt.name + ' at ' + highDebt.apr + '% APR — that\'s where your money is disappearing fastest.';
  } else if (mainRes.months > 24) {
    insight = 'You have a solid plan. At your current budget you\'ll be debt-free in ' + mainRes.months + ' months. You\'re losing ' + fmt(mainRes.first_month_interest) + ' to interest every single month. Even ' + sym + '50 extra monthly would make a real difference.';
  } else {
    insight = 'You\'re in great shape. With ' + mainRes.months + ' months to debt freedom, you\'re ahead of most people. Stay consistent and you\'ll hit ' + getDebtFreeDate(mainRes.months) + '. Interest you\'re paying monthly: ' + fmt(mainRes.first_month_interest) + ' — keep that in mind as motivation.';
  }
  document.getElementById('res-ai-insight').textContent = insight;

  var bestInterest = Math.min(data.avalanche.total_interest, data.snowball.total_interest, data.smart.total_interest);
  var compareHtml = '';
  [{name:'🏔️ Avalanche',res:data.avalanche},{name:'⛄ Snowball',res:data.snowball},{name:'🤖 Smart Focus',res:data.smart}].forEach(function(s) {
    var isBest = Math.abs(s.res.total_interest - bestInterest) < 1;
    compareHtml += '<tr' + (isBest ? ' class="best-row"' : '') + '>';
    compareHtml += '<td>' + s.name + (isBest ? '<span class="ds-best-badge">BEST</span>' : '') + '</td>';
    compareHtml += '<td style="color:#00FF88">' + getDebtFreeDate(s.res.months) + '</td>';
    compareHtml += '<td style="color:#ff6b6b">' + fmt(s.res.total_interest) + '</td>';
    compareHtml += '<td style="color:#94A3B8">' + s.res.months + '</td></tr>';
  });
  document.getElementById('res-compare-body').innerHTML = compareHtml;

  var wiHtml = '';
  [50, 100, 200, 500].forEach(function(e) {
    wiHtml += '<button class="ds-whatif-btn" onclick="showWhatIf(' + e + ',this)">+' + sym + e + '/mo</button>';
  });
  document.getElementById('ds-whatif-btns').innerHTML = wiHtml;

  var sortedByApr = debts.slice().sort(function(a,b) { return b.apr - a.apr; });
  var insightsHtml = '';
  insightsHtml += '<li><span class="ds-insight-icon">🔥</span><span>Your most expensive debt is <strong>' + sortedByApr[0].name + '</strong> at <strong>' + sortedByApr[0].apr + '% APR</strong>. It costs you ' + fmtDec(sortedByApr[0].balance * sortedByApr[0].apr / 12 / 100) + ' every month in interest alone.</span></li>';
  insightsHtml += '<li><span class="ds-insight-icon">📅</span><span>Using the ' + (strategy === 'avalanche' ? 'Avalanche' : strategy === 'snowball' ? 'Snowball' : 'Smart Focus') + ' method, you\'ll be debt-free by <strong>' + getDebtFreeDate(mainRes.months) + '</strong>.</span></li>';
  insightsHtml += '<li><span class="ds-insight-icon">💸</span><span>Over the life of your debt you\'ll pay <strong>' + fmt(mainRes.total_interest) + ' in interest</strong>. That\'s money the banks keep — not you.</span></li>';
  if (data.avalanche.total_interest < data.snowball.total_interest) {
    insightsHtml += '<li><span class="ds-insight-icon">💡</span><span>Switching to Avalanche over Snowball would save you <strong>' + fmt(data.snowball.total_interest - data.avalanche.total_interest) + ' in interest</strong> over your repayment period.</span></li>';
  }
  insightsHtml += '<li><span class="ds-insight-icon">🚀</span><span>Your budget is <strong>' + fmt(budget) + '/month</strong>. Minimums total ' + fmt(totalMin) + '/month. You have <strong>' + fmt(budget - totalMin) + ' extra</strong> attacking the focus debt.</span></li>';
  document.getElementById('res-insights').innerHTML = insightsHtml;

  var emos = [
    'Every payment you make is money the banks never get to touch again. <span class="highlight">Keep going.</span>',
    'In ' + mainRes.months + ' months, every single penny of this debt is gone. <span class="highlight">That date is real.</span>',
    'You\'re not just paying off debt. <span class="highlight">You\'re buying back your freedom.</span>',
    'Most people never make a plan. You just did. <span class="highlight">That puts you ahead of almost everyone.</span>'
  ];
  document.getElementById('res-emotional').innerHTML = emos[Math.floor(Math.random() * emos.length)];

  var tableHtml = '';
  mainRes.schedule.forEach(function(row) {
    var isLast = row.remaining < 1;
    tableHtml += '<tr><td>' + (isLast ? '🎉 ' : '') + 'Month ' + row.month + '</td>';
    tableHtml += '<td>' + fmt(row.payment) + '</td>';
    tableHtml += '<td style="color:#ff6b6b">' + fmt(row.interest) + '</td>';
    tableHtml += '<td style="color:#00FF88">' + fmt(row.principal) + '</td>';
    tableHtml += '<td>' + (row.remaining < 1 ? '<strong style="color:#00FF88">DEBT FREE! 🎉</strong>' : fmt(row.remaining)) + '</td></tr>';
  });
  document.getElementById('res-table-body').innerHTML = tableHtml;

  updateSaveSection();
  setDisclaimer('');
  document.getElementById('ds-results').classList.add('show');
  setTimeout(function() { document.getElementById('ds-results').scrollIntoView({ behavior: 'smooth', block: 'start' }); }, 100);
}

function showWhatIf(extra, btn) {
  document.querySelectorAll('.ds-whatif-btn').forEach(function(b) { b.classList.remove('active'); });
  btn.classList.add('active');
  btn.disabled = true;

  var ajax = window.dsAjax || {};
  fetch((ajax.ajaxUrl || (window.location.origin + '/wp-admin/admin-ajax.php')), {
    method: 'POST',
    headers: {'Content-Type':'application/x-www-form-urlencoded'},
    body: 'action=ds_calculate_t1'
      + '&nonce=' + encodeURIComponent(ajax.nonce || '')
      + '&debts=' + encodeURIComponent(JSON.stringify(calcResult.debts))
      + '&budget=' + encodeURIComponent(calcResult.budget + extra)
      + '&strategy=' + encodeURIComponent(strategy)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    btn.disabled = false;
    if (!res.success) return;
    var newRes = res.data[strategy];
    var saved = calcResult.mainRes.totalInterest - newRes.total_interest;
    var faster = calcResult.mainRes.months - newRes.months;
    document.getElementById('wi-date').textContent = getDebtFreeDate(newRes.months);
    document.getElementById('wi-saved').textContent = fmt(saved);
    document.getElementById('wi-faster').textContent = faster + ' months';
    document.getElementById('ds-whatif-result').classList.add('show');
  })
  .catch(function() { btn.disabled = false; });
}

function sendEmail() {
  var email = document.getElementById('ds-email-input').value.trim();
  var status = document.getElementById('ds-email-status');
  if (!email || !email.includes('@')) {
    status.textContent = 'Please enter a valid email address.';
    status.className = 'ds-email-status error';
    return;
  }
  if (!calcResult) return;
  status.textContent = 'Sending...';
  status.className = 'ds-email-status';

  var ajax = window.dsAjax || {};
  var data = {
    action: 'ds_email_t1',
    email: email,
    debt_free_date: document.getElementById('res-date').textContent,
    months: calcResult.mainRes.months,
    total_interest: fmt(calcResult.mainRes.totalInterest),
    total_debt: fmt(calcResult.totalDebt),
    strategy: strategy,
    currency: sym,
    nonce: (ajax.nonce || '')
  };
  fetch((ajax.ajaxUrl || (window.location.origin + '/wp-admin/admin-ajax.php')), {
    method: 'POST',
    headers: {'Content-Type': 'application/x-www-form-urlencoded'},
    body: Object.keys(data).map(function(k) { return encodeURIComponent(k) + '=' + encodeURIComponent(data[k]); }).join('&')
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    if (res.success) {
      status.textContent = '✅ Plan sent! Check your inbox.';
      status.className = 'ds-email-status success';
      document.getElementById('ds-email-input').value = '';
    } else {
      status.textContent = (res.data && res.data.message) || 'Something went wrong. Try again.';
      status.className = 'ds-email-status error';
    }
  })
  .catch(function() {
    status.textContent = 'Something went wrong. Try again.';
    status.className = 'ds-email-status error';
  });
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