// Auteur : Simon-Pierre Boucher — contact@spboucher.ai
// MortgageCard.swift — l'estimateur hypothécaire des fiches Immo·Ka : mise de
// fonds ajustable, taux modifiable, paiement mensuel calculé LOCALEMENT et en
// toute transparence (formule affichée en pied). Aucune donnée n'est envoyée.
import SwiftUI

struct MortgageCard: View {
    let price: Double
    let accent: Color
    @State private var downFraction: Double = 0.20
    @State private var rate: Double = 4.5
    @State private var years: Int = 25
    @Environment(\.colorScheme) private var scheme

    private var payment: Double {
        MortgageMath.monthlyPayment(price: price, downFraction: downFraction,
                                    annualRate: rate, years: years)
    }
    private var down: Double { price * downFraction }

    var body: some View {
        VStack(alignment: .leading, spacing: 12) {
            UniverseSectionHeader(title: "Paiement hypothécaire estimé", accent: accent)

            HStack(alignment: .firstTextBaseline, spacing: 6) {
                Text(payment.money0)
                    .font(KAFont.display(28))
                    .foregroundStyle(accent)
                    .contentTransition(.numericText())
                Text("/ mois")
                    .font(KAFont.mono(10))
                    .foregroundStyle(.secondary)
            }
            .animation(.snappy, value: payment)

            VStack(alignment: .leading, spacing: 4) {
                HStack {
                    Text("Mise de fonds")
                        .font(.caption.weight(.semibold))
                    Spacer()
                    Text("\(Int(downFraction * 100)) % · \(down.money0)")
                        .font(KAFont.mono(10))
                        .foregroundStyle(accent)
                }
                Slider(value: $downFraction, in: 0.05...0.5, step: 0.05)
                    .tint(accent)
                    .accessibilityLabel("Mise de fonds")
                    .accessibilityValue("\(Int(downFraction * 100)) pour cent")
            }

            HStack(spacing: 12) {
                Stepper(value: $rate, in: 1...10, step: 0.25) {
                    VStack(alignment: .leading, spacing: 1) {
                        Text("TAUX").font(KAFont.mono(8)).foregroundStyle(.secondary)
                        Text(String(format: "%.2f %%", rate))
                            .font(.subheadline.weight(.bold))
                    }
                }
                .accessibilityLabel("Taux d'intérêt annuel")
                Stepper(value: $years, in: 5...30, step: 5) {
                    VStack(alignment: .leading, spacing: 1) {
                        Text("AMORTISSEMENT").font(KAFont.mono(8)).foregroundStyle(.secondary)
                        Text("\(years) ans").font(.subheadline.weight(.bold))
                    }
                }
                .accessibilityLabel("Période d'amortissement")
            }

            Text("Estimation indicative calculée sur votre appareil — taxes, assurance SCHL et frais exclus.")
                .font(.caption2).foregroundStyle(.tertiary)
        }
        .padding(14)
        .frame(maxWidth: .infinity, alignment: .leading)
        .kaCard(accent: accent)
    }
}