@extends('layouts.app')

@section('title', 'DA Penelaah — ' . $pengajuan->debitur->nama)

@push('styles')
<style>
/* ── Section Divider ─────────────────────────────────────────────────── */
.da-section-divider {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin: 2rem 0 1rem;
}
.da-section-divider__label {
    flex-shrink: 0;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 0.3rem 0.85rem;
    border-radius: 20px;
    white-space: nowrap;
}
.da-section-divider__line {
    flex: 1;
    border: 0;
    border-top: 1px solid var(--bs-border-color);
    margin: 0;
}

/* ── Sub-blok label inside section-card ─────────────────────────────── */
.da-subblok {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--bs-secondary-color, #6c757d);
    margin-bottom: 0.5rem;
    margin-top: 0.25rem;
}
.da-subblok:not(:first-child) {
    margin-top: 1.25rem;
    padding-top: 1rem;
    border-top: 1px dashed var(--bs-border-color);
}

/* ── Batch progress bar ──────────────────────────────────────────────── */
.da-batch-progress-label {
    font-size: 0.8rem;
    color: var(--bs-secondary-color);
}
.da-batch-progress-label strong {
    color: var(--bs-body-color);
}

/* ── Compact table in batch panel ───────────────────────────────────── */
.da-batch-table td, .da-batch-table th {
    padding: 0.35rem 0.6rem;
    font-size: 0.83rem;
    vertical-align: middle;
}
.da-batch-table tr.da-batch-current td {
    background-color: rgba(var(--bs-primary-rgb), 0.08);
    font-weight: 600;
}

/* ── Kalkulasi badge ─────────────────────────────────────────────────── */
.da-calc-value {
    font-size: 1rem;
    font-weight: 600;
    color: var(--bs-body-color);
}
.da-calc-desc {
    font-size: 0.75rem;
    color: var(--bs-secondary-color);
    margin-top: 0.1rem;
}

/* ── Valuasi table ───────────────────────────────────────────────────── */
.da-valuasi-table td, .da-valuasi-table th {
    padding: 0.4rem 0.75rem;
    font-size: 0.83rem;
    vertical-align: middle;
}

/* ── Read-only overlay hint ──────────────────────────────────────────── */
.da-readonly-hint {
    font-size: 0.75rem;
    color: var(--bs-secondary-color);
    font-style: italic;
}

/* ── Responsive tweaks ───────────────────────────────────────────────── */
@media (max-width: 575.98px) {
    .da-batch-table { font-size: 0.78rem; }
    .da-section-divider__label { font-size: 0.65rem; }
}
</style>
@endpush

@section('content')
@php
    $d   = $pengajuan->debitur;
    $pk  = $pengajuanKelompok;
    $da  = $pengajuan->deskAnalysisPenelaah;
    $pl9 = $pengajuan->deskAnalysisPl;
    $muk = $pengajuan->tallysheetMuk;
    $tts = $pengajuan->tallysheetTundaTebang; // collection
    $bh  = $pengajuan->biayaHidup;
    $pl  = $pengajuan->pendapatanLainnya;
    $dokumen = $pengajuan->dokumen; // collection of DokumenDebitur

    $namaKelompok   = $pk->kelompok->nama ?? '—';
    $rondeLabel     = $pk->created_at->translatedFormat('M Y');
    $headerSubtitle = "Desk Analysis — {$namaKelompok}, Ronde {$rondeLabel}";

    $daSelesaiCount = $batchPengajuan->filter(fn($p) => $p->deskAnalysisPenelaah?->submitted_at !== null)->count();
    $batchTotal     = $batchPengajuan->count();
    $progressPct    = $batchTotal > 0 ? round($daSelesaiCount / $batchTotal * 100) : 0;

    $boolText = fn($v) => match($v) {
        true    => 'Ya',
        false   => 'Tidak',
        default => '—',
    };

    $rp = fn($v) => 'Rp ' . number_format((int)$v, 0, ',', '.');

    $kemampuanBayarTahunan = ($rpcData['kemampuan_bayar_bulanan'] ?? 0) * 12;
    $kemampuanCukup = ($rpcData['kemampuan_bayar_bulanan'] ?? 0) * ($pengajuan->jangka_waktu_bulan ?? 0)
        > ($pengajuan->nilai_permohonan ?? 0);

    $alamatLengkap = collect([$d->alamat, $d->dusun, $d->rt_rw, $d->kelurahan, $d->kecamatan, $d->kabupaten])
        ->filter()->implode(', ');

    // Field L — Domisili dengan 3 opsi
    $lDomisiliLabel = match(true) {
        !$d->alamat_ktp_berbeda => 'Ya, domisili sesuai dengan KTP',
        $d->lama_menempati_tahun >= 1 => 'Tidak, domisili tidak sesuai KTP, namun tinggal lebih dari 1 tahun',
        default => 'Tidak, domisili tidak sesuai KTP, namun tinggal kurang dari 1 tahun',
    };

    // Section B prospek kalkulasi (MUK-based, fallback ke NATS fields jika tidak ada MUK)
    $produksiBulanan     = $muk?->produksiBulanan ?? collect();
    $totalProduksiTahun  = $produksiBulanan->sum('total_harga');
    $panenPerTahun       = max(1, (int)($muk?->panen_per_tahun ?? 1));
    $pendapatanPerSiklus = $produksiBulanan->isNotEmpty()
        ? (int) round($totalProduksiTahun / $panenPerTahun)
        : ($pengajuan->estimated_income_per_cycle ?? 0);
    $avgHargaKg          = $produksiBulanan->isNotEmpty() ? $produksiBulanan->avg('harga_per_kg') : null;
    // U — Harga Jual: pakai MUK avg harga atau fallback NATS sales_per_cycle
    $hargaJualPerSiklus  = $pengajuan->sales_per_cycle ?? null;
    // W — Biaya: pakai RPC biaya_usaha_tahunan jika ada MUK, else NATS cost_per_cycle
    $biayaUsahaPerSiklus = $produksiBulanan->isNotEmpty()
        ? ($rpcData['biaya_usaha_tahunan'] ?? 0)
        : ($pengajuan->cost_per_cycle ?? 0);
    $netProspekPerSiklus = $pendapatanPerSiklus - $biayaUsahaPerSiklus;
    // Y — Siklus: MUK siklus atau NATS income_cycle_months
    $siklusUsahaBulan    = $muk?->siklus_usaha_bulan ?? $pengajuan->income_cycle_months;
    $totalProduksiKg     = $produksiBulanan->sum('qty_panen_kg');

    // Section B sub-blok 4: AC penyesuaian prospek
    $acKalkulasi = min($pengajuan->nilai_permohonan ?? 0, $netProspekPerSiklus);

    // Section C: AH/AJ/AM
    $rpc      = $rpcData;
    $angsuran = $rpc['angsuran_total'] ?? 0;
    $amKalkulasi = (int) (floor(min($acKalkulasi, $rpc['maks_plafond'] ?? 0) / 1_000_000) * 1_000_000);

    // Section D: AT value for valuasi
    $atMuk = $muk?->nilai_jaminan;
    $atTt  = $tts->sum('total_nilai_jaminan');
    $atVal = $atMuk ?? ($atTt > 0 ? $atTt : null);

    // Section C sub-blok 1: pendapatan lainnya
    $tanamanLain      = $pengajuan->pendapatanTanamanLain ?? collect();
    $aePendapatanUsahaLainBulanan = $pl?->pendapatan_usaha_lain_per_bulan ?? 0;

    // Section D sub-blok 1: jenis tanaman for MUK
    $jenisTanaman   = $pengajuan->jenisTanaman ?? collect();
    $namaJenisPohon = $jenisTanaman->pluck('nama_pohon')->filter()->implode(', ');
    $jumlahPohon    = $jenisTanaman->sum('jumlah_pohon');

    // Dokumen debitur labels
    $dokumenLabels = [
        'ktp_pemohon'          => 'KTP Pemohon',
        'ktp_pasangan'         => 'KTP Pasangan',
        'kartu_keluarga'       => 'Kartu Keluarga',
        'formulir_permohonan'  => 'Formulir Permohonan Perorangan',
        'dok_penguasaan_lahan' => 'Dokumen Penguasaan Lahan',
        'surat_permohonan_fdb' => 'Surat Permohonan FDB',
    ];
    $dokumenByJenis = $dokumen->keyBy('jenis');
    $dokumenAdaCount = $dokumen->count();
@endphp

<div class="container-fluid px-3 px-md-4 py-4">

    {{-- Flash alert --}}
    <x-ui.alert :flash="true" />

    {{-- Validation error summary --}}
    @if($errors->any())
    <div class="alert alert-danger alert-dismissible fade show d-flex align-items-start gap-2 mb-3" role="alert">
        <i class="bi bi-x-circle-fill flex-shrink-0 mt-1"></i>
        <div>
            <strong>Periksa kembali form di bawah:</strong>
            <ul class="mb-0 mt-1 ps-3 small">
                @foreach($errors->all() as $error)
                <li>{{ $error }}</li>
                @endforeach
            </ul>
        </div>
        <button type="button" class="btn-close ms-auto" data-bs-dismiss="alert"></button>
    </div>
    @endif

    {{-- ── Page Header ──────────────────────────────────────────────────────── --}}
    <x-ui.page-header
        :title="$d->nama"
        :subtitle="$headerSubtitle"
        :back="route('penelaah.desk-analysis.batch', $pk)"
    >
        <x-slot:actions>
            <x-pengajuan.status-badge :status="$pengajuan->status" />
        </x-slot:actions>
    </x-ui.page-header>

    {{-- ── Banner: waiting_approval_da ────────────────────────────────────── --}}
    @if($isReadOnly)
    <div class="alert alert-success d-flex align-items-start gap-2 mb-4" role="alert">
        <i class="bi bi-check-circle-fill flex-shrink-0 mt-1"></i>
        <div>
            <strong>DA sudah disubmit.</strong>
            Penilaian Penelaah sudah dikirim ke Verifikator dan sedang menunggu approval.
            Form ditampilkan dalam mode <em>baca saja</em>.
        </div>
    </div>
    @endif

    {{-- ── BATCH PANEL ─────────────────────────────────────────────────────── --}}
    <x-ui.section-card
        title="Status Batch ({{ $batchTotal }} debitur)"
        icon="bi-people"
        collapsible
        class="mb-3"
    >
        <div class="da-batch-progress-label mb-2">
            <strong>{{ $daSelesaiCount }}/{{ $batchTotal }}</strong> selesai DA
        </div>
        <div class="progress mb-3" style="height: 6px;">
            <div class="progress-bar {{ $batchSelesai ? 'bg-success' : 'bg-primary' }}"
                 role="progressbar"
                 style="width: {{ $progressPct }}%"
                 aria-valuenow="{{ $progressPct }}" aria-valuemin="0" aria-valuemax="100">
            </div>
        </div>
        <div class="table-responsive">
            <table class="table table-sm table-bordered da-batch-table mb-2">
                <thead class="table-light">
                    <tr>
                        <th>Nama Debitur</th>
                        <th class="text-center">Status DA</th>
                        <th class="text-center">Hasil</th>
                        <th class="text-center">Aksi</th>
                    </tr>
                </thead>
                <tbody>
                    @foreach($batchPengajuan as $bp)
                    @php
                        $bpDa     = $bp->deskAnalysisPenelaah;
                        $isCurrent = $bp->id === $pengajuan->id;
                        $statusLabel = match(true) {
                            $bpDa?->submitted_at !== null => ['label' => 'Selesai', 'class' => 'bg-success'],
                            $bpDa !== null                => ['label' => 'Draft',   'class' => 'bg-warning text-dark'],
                            default                       => ['label' => 'Belum',   'class' => 'bg-secondary'],
                        };
                    @endphp
                    <tr class="{{ $isCurrent ? 'da-batch-current' : '' }}">
                        <td>
                            {{ $bp->debitur->nama ?? '—' }}
                            @if($isCurrent)<span class="badge bg-primary ms-1">Ini</span>@endif
                        </td>
                        <td class="text-center">
                            <span class="badge {{ $statusLabel['class'] }}">{{ $statusLabel['label'] }}</span>
                        </td>
                        <td class="text-center">
                            @if($bpDa?->bm_hasil_penilaian)
                                <span class="text-muted small">{{ $bpDa->bm_hasil_penilaian }}</span>
                            @else
                                <span class="text-muted">—</span>
                            @endif
                        </td>
                        <td class="text-center">
                            @if(! $isCurrent)
                            <a href="{{ route('desk-analysis.penelaah.show', $bp) }}"
                               class="btn btn-outline-secondary btn-sm py-0">Buka</a>
                            @else
                            <span class="text-muted small">—</span>
                            @endif
                        </td>
                    </tr>
                    @endforeach
                </tbody>
            </table>
        </div>
        @if($batchSelesai && ! $isReadOnly)
        <div class="d-flex justify-content-end mt-2">
            <form action="{{ route('desk-analysis.penelaah.store', $pengajuan) }}" method="POST">
                @csrf
                <input type="hidden" name="submit_batch" value="1">
                <button type="submit" class="btn btn-success btn-sm">
                    <i class="bi bi-send-check me-1"></i> Submit Batch ke Verifikator
                </button>
            </form>
        </div>
        @endif
    </x-ui.section-card>

    {{-- ── DOKUMEN DEBITUR ─────────────────────────────────────────────────── --}}
    <x-ui.section-card
        title="Dokumen Debitur"
        icon="bi-file-earmark-text"
        collapsible
        class="mb-3"
    >
        @if($dokumen->isNotEmpty())
        <div class="mb-2 small text-muted">
            <span class="badge bg-{{ $dokumenAdaCount >= count($dokumenLabels) ? 'success' : 'warning text-dark' }}">
                {{ $dokumenAdaCount }}/{{ count($dokumenLabels) }} dokumen ada
            </span>
        </div>
        <div class="table-responsive">
            <table class="table table-sm table-bordered align-middle mb-0" style="font-size:0.83rem">
                <thead class="table-light">
                    <tr>
                        <th style="width:2rem">#</th>
                        <th>Dokumen</th>
                        <th class="text-center" style="width:6rem">Status</th>
                        <th class="text-center" style="width:5rem">File</th>
                    </tr>
                </thead>
                <tbody>
                    @foreach($dokumenLabels as $jenis => $label)
                    @php $dok = $dokumenByJenis->get($jenis); @endphp
                    <tr>
                        <td class="text-muted">{{ $loop->iteration }}</td>
                        <td>{{ $label }}</td>
                        <td class="text-center">
                            @if($dok)
                                <span class="badge bg-success">✓ Ada</span>
                            @else
                                <span class="badge bg-secondary">Belum</span>
                            @endif
                        </td>
                        <td class="text-center">
                            @if($dok?->file_path)
                                <a href="#" class="btn btn-outline-primary btn-sm py-0 px-2">
                                    <i class="bi bi-eye"></i>
                                </a>
                            @else
                                <span class="text-muted">—</span>
                            @endif
                        </td>
                    </tr>
                    @endforeach
                    {{-- Extra dokumen not in known list --}}
                    @foreach($dokumen->whereNotIn('jenis', array_keys($dokumenLabels)) as $dok)
                    <tr>
                        <td class="text-muted">—</td>
                        <td>{{ $dok->jenis }}</td>
                        <td class="text-center"><span class="badge bg-success">✓ Ada</span></td>
                        <td class="text-center">
                            @if($dok->file_path)
                                <a href="#" class="btn btn-outline-primary btn-sm py-0 px-2">
                                    <i class="bi bi-eye"></i>
                                </a>
                            @else
                                <span class="text-muted">—</span>
                            @endif
                        </td>
                    </tr>
                    @endforeach
                </tbody>
            </table>
        </div>
        @else
        <div class="d-flex align-items-center gap-2 text-muted small py-2">
            <i class="bi bi-info-circle"></i>
            Belum ada dokumen diunggah oleh PL.
        </div>
        @endif
    </x-ui.section-card>

    {{-- ══════════════════════════════════════════════════════════════════════
         DIVIDER: REVIEW DATA PL
         ══════════════════════════════════════════════════════════════════════ --}}
    <div class="da-section-divider">
        <span class="da-section-divider__label bg-secondary-subtle text-secondary-emphasis">
            Review Data PL
        </span>
        <hr class="da-section-divider__line">
    </div>
    <p class="text-muted small mb-3">Buka section yang ingin diperiksa. Semua field di bawah adalah read-only.</p>

    {{-- ── SECTION A — Informasi Data Pemohon ─────────────────────────────── --}}
    <x-ui.section-card
        title="A. Informasi Data Pemohon"
        icon="bi-person-badge"
        collapsible
        class="mb-3"
    >
        <div class="row g-2">
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="NIK Pemohon" :value="$d->nik" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="Nama" :value="$d->nama" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field
                    label="Tempat, Tgl Lahir"
                    :value="($d->tempat_lahir ? $d->tempat_lahir . ', ' : '') . ($d->tanggal_lahir?->format('d/m/Y') ?? '—')"
                />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="Nomor KK" :value="$d->no_kk" />
            </div>
            @if($d->nik_pasangan || $d->nama_pasangan)
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="NIK Pasangan" :value="$d->nik_pasangan" empty="—" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="Nama Pasangan" :value="$d->nama_pasangan" empty="—" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field
                    label="TTL Pasangan"
                    :value="($d->tempat_lahir_pasangan ? $d->tempat_lahir_pasangan . ', ' : '') . ($d->tanggal_lahir_pasangan?->format('d/m/Y') ?? '—')"
                    empty="—"
                />
            </div>
            @endif
            <div class="col-12">
                <x-ui.data-field label="Alamat Domisili" :value="$alamatLengkap ?: '—'" />
            </div>
        </div>
    </x-ui.section-card>

    {{-- ── SECTION B — Prospek Usaha yang Dibiayai ────────────────────────── --}}
    <x-ui.section-card
        title="B. Prospek Usaha yang Dibiayai"
        icon="bi-tree"
        collapsible
        class="mb-3"
    >
        {{-- Sub-blok 1: Personal Debitur --}}
        <p class="da-subblok">Personal Debitur</p>
        @php
            $usiaPermohonan = $d->tanggal_lahir
                ? (int) $d->tanggal_lahir->diffInYears($pengajuan->created_at)
                : null;
            $kUsiaProduktif = $usiaPermohonan !== null
                ? ($usiaPermohonan >= 20 && $usiaPermohonan <= 65)
                : null;
            $lDomisiliOk = $d->alamat_ktp_berbeda === false || $d->alamat_ktp_berbeda === null
                ? true
                : ($d->lama_menempati_tahun !== null && $d->lama_menempati_tahun >= 1);
        @endphp
        <div class="row g-2">
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="K — Usia produktif saat permohonan (20–65 tahun)">
                    {{ $boolText($kUsiaProduktif) }}
                    @if($usiaPermohonan !== null)
                    <span class="text-muted small ms-1">({{ $usiaPermohonan }} tahun)</span>
                    @endif
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="L — Domisili sama KTP / tinggal ≥ 1 tahun">
                    {{ $lDomisiliLabel }}
                </x-ui.data-field>
            </div>
        </div>

        {{-- Sub-blok 2: Permohonan Pembiayaan --}}
        <p class="da-subblok">Permohonan Pembiayaan</p>
        <div class="row g-2">
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="N — Usaha / Pekerjaan Utama" :value="$d->usaha_dibiayai ?? $pengajuan->usaha_dibiayai" empty="—" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="O — Jenis Usaha yang Dibiayai" :value="$pengajuan->business_type_name ?? $d->sektor_ekonomi ?? $pengajuan->sektor_ekonomi" empty="—" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field
                    label="P — Lama Usaha"
                    :value="$d->lama_usaha_tahun ? $d->lama_usaha_tahun . ' tahun' : '—'"
                />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="Q — Usaha pencaharian utama">
                    {{ $pl9?->pencaharian_utama_bukan === null ? '—' : ($pl9->pencaharian_utama_bukan ? 'Bukan pencaharian utama' : 'Pencaharian utama') }}
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="R — Nilai Permohonan" :value="$pengajuan->nilai_permohonan" :currency="true" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="S — Tujuan Pembiayaan" :value="$pengajuan->usaha_dibiayai" empty="—" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field
                    label="T — Jangka Waktu"
                    :value="$pengajuan->jangka_waktu_bulan ? $pengajuan->jangka_waktu_bulan . ' bulan' : '—'"
                />
            </div>
        </div>

        {{-- Sub-blok 3: Prospek Usaha --}}
        <p class="da-subblok">Prospek Usaha</p>
        <div class="row g-2">
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="U — Harga Jual (per Siklus)">
                    @if($avgHargaKg)
                        Rp {{ number_format((int)$avgHargaKg, 0, ',', '.') }}/kg
                    @elseif($hargaJualPerSiklus)
                        Rp {{ number_format($hargaJualPerSiklus, 0, ',', '.') }}
                    @else
                        —
                    @endif
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="V — Pendapatan per Siklus" :value="$pendapatanPerSiklus ?: null" :currency="true" empty="—" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="W — Biaya Usaha / HPP per Siklus" :value="$biayaUsahaPerSiklus ?: null" :currency="true" empty="—" />
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field label="X — Net Pendapatan per Siklus">
                    @if($pendapatanPerSiklus > 0)
                        <span class="{{ $netProspekPerSiklus >= 0 ? '' : 'text-danger' }}">
                            {{ $rp($netProspekPerSiklus) }}
                        </span>
                        <div class="text-muted small">= V − W</div>
                    @else
                        <span class="text-muted">—</span>
                    @endif
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-3">
                <x-ui.data-field
                    label="Y — Siklus Usaha"
                    :value="$siklusUsahaBulan ? $siklusUsahaBulan . ' bulan' : '—'"
                />
            </div>
        </div>

        {{-- Sub-blok 4: Prospek Usaha Konfirmasi --}}
        <p class="da-subblok">Prospek Usaha Konfirmasi</p>
        <div class="row g-2">
            <div class="col-sm-6 col-md-6">
                <x-ui.data-field label="Z — Usaha bukan pencaharian utama">
                    {{ $boolText($pl9?->pencaharian_utama_bukan) }}
                </x-ui.data-field>
            </div>
            @php $aaLamaUsahaCukup = $d->lama_usaha_tahun !== null ? $d->lama_usaha_tahun >= 2 : null; @endphp
            <div class="col-sm-6 col-md-6">
                <x-ui.data-field label="AA — Lama usaha minimal 2 tahun">
                    {{ $boolText($aaLamaUsahaCukup) }}
                    @if($d->lama_usaha_tahun !== null)
                    <span class="text-muted small ms-1">({{ $d->lama_usaha_tahun }} tahun)</span>
                    @endif
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-6">
                <x-ui.data-field label="AB — Nilai pendapatan dari usaha wajar (prospek)">
                    {{ $boolText($pl9?->pendapatan_wajar_prospek) }}
                </x-ui.data-field>
            </div>
            <div class="col-sm-6 col-md-6">
                <x-ui.data-field label="AC — Penyesuaian nilai pinjaman (prospek)">
                    @if($acKalkulasi > 0)
                        <span class="fw-semibold">{{ $rp($acKalkulasi) }}</span>
                        <div class="text-muted small">= MIN(nilai permohonan, net per siklus)</div>
                    @else
                        <span class="text-muted">—</span>
                    @endif
                </x-ui.data-field>
            </div>
        </div>
    </x-ui.section-card>

    {{-- ── SECTION C — Kemampuan Membayar ─────────────────────────────────── --}}
    <x-ui.section-card
        title="C. Kemampuan Membayar"
        icon="bi-wallet2"
        collapsible
        class="mb-3"
    >
        {{-- Sub-blok 1: Pendapatan Lainnya --}}
        <p class="da-subblok">Pendapatan Lainnya</p>
        @if($tanamanLain->isNotEmpty())
        <div class="table-responsive mb-3">
            <table class="table table-sm table-bordered align-middle mb-0" style="font-size:0.83rem">
                <thead class="table-light">
                    <tr>
                        <th>AD — Tanaman / Usaha Lain</th>
                        <th class="text-end">Pendapatan / Tahun</th>
                    </tr>
                </thead>
                <tbody>
                    @foreach($tanamanLain as $tl)
                    <tr>
                        <td>{{ $tl->nama_tanaman }}</td>
                        <td class="text-end">Rp {{ number_format($tl->pendapatan_per_tahun, 0, ',', '.') }}</td>
                    </tr>
                    @endforeach
                </tbody>
                <tfoot class="fw-bold table-light">
                    <tr>
                        <td>Total Pendapatan Lainnya / tahun</td>
                        <td class="text-end">Rp {{ number_format($tanamanLain->sum('pendapatan_per_tahun'), 0, ',', '.') }}</td>
                    </tr>
                </tfoot>
            </table>
        </div>
        @endif
        <div class="row g-2">
            @if($pl?->other_business_type)
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="AD2 — Jenis Usaha Lainnya" :value="$pl->other_business_type" />
            </div>
            @endif
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="AE — Pendapatan Usaha Lainnya (per bulan)" :value="$aePendapatanUsahaLainBulanan ?: null" :currency="true" empty="—" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field
                    label="AF — Siklus Usaha Lain"
                    :value="$siklusUsahaBulan ? $siklusUsahaBulan . ' bulan' : '—'"
                />
            </div>
        </div>

        {{-- Sub-blok 2: Pengeluaran --}}
        <p class="da-subblok">Pengeluaran</p>
        <div class="row g-2">
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field label="AI — Biaya Hidup / bulan" :value="$rpc['biaya_hidup_bulanan'] ?? null" :currency="true" empty="—" />
            </div>
        </div>

        {{-- Sub-blok 3: Kemampuan Bayar Konfirmasi --}}
        <p class="da-subblok">Kemampuan Bayar Konfirmasi</p>
        <div class="row g-3">
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AH — Est. Total Pendapatan / bulan</div>
                    <div class="da-calc-value">{{ $rp($rpc['pendapatan_total_bulanan'] ?? 0) }}</div>
                </div>
            </div>
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AJ — Est. Besaran Kemampuan Bayar (per Bulan)</div>
                    <div class="da-calc-value">{{ $rp($rpc['kemampuan_bayar_bulanan'] ?? 0) }}</div>
                </div>
            </div>
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AJ(2) — Estimasi Besaran Kemampuan Bayar (per Tahun)</div>
                    <div class="da-calc-value">{{ $rp($kemampuanBayarTahunan ?? 0) }}</div>
                </div>
            </div>
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AK — Nilai pendapatan wajar (kemampuan bayar)</div>
                    <div class="da-calc-value mt-1">
                        {{ $boolText($pl9?->pendapatan_wajar_kemampuan) }}
                    </div>
                </div>
            </div>
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AL — Punya kemampuan bayar sesuai nilai permohonan</div>
                    <div class="da-calc-value mt-1">
                        {{ $kemampuanCukup ? 'Ya' : 'Tidak' }}
                    </div>
                </div>
            </div>
            <div class="col-sm-6 col-md-4">
                <div class="los-card p-3">
                    <div class="da-calc-desc">AM — Penyesuaian nilai pinjaman (kemampuan bayar)</div>
                    @if($amKalkulasi > 0)
                        <div class="da-calc-value">{{ $rp($amKalkulasi) }}</div>
                        <div class="mt-1 small text-muted">ROUNDDOWN(MIN(AC, maks plafond), jutaan)</div>
                    @else
                        <div class="da-calc-value text-muted">—</div>
                    @endif
                </div>
            </div>
        </div>
    </x-ui.section-card>

    {{-- ── SECTION D — Penguasaan Lahan ───────────────────────────────────── --}}
    <x-ui.section-card
        title="D. Penguasaan Lahan"
        icon="bi-map"
        collapsible
        class="mb-3"
    >
        {{-- Sub-blok 1: Dokumen & Lahan --}}
        <p class="da-subblok">Dokumen &amp; Lahan</p>
        <div class="row g-2">
            <div class="col-12">
                <x-ui.data-field label="AN — Dokumen Utama Penguasaan Lahan" :value="$pl9?->dok_utama_lahan" empty="—" />
            </div>
            <div class="col-12">
                <x-ui.data-field label="AO — Dokumen Pendukung Hubungan dengan Lahan" :value="$pl9?->dok_pendukung_lahan" empty="—" />
            </div>
            <div class="col-sm-6 col-md-4">
                <x-ui.data-field
                    label="AP — Luas Lahan (Ha)"
                    :value="$pengajuan->luas_lahan_ha ? $pengajuan->luas_lahan_ha . ' ha' : '—'"
                />
            </div>
        </div>

        {{-- Sub-blok 2: Data Tallysheet + Valuasi --}}
        <p class="da-subblok">Data Tallysheet</p>
        @if($muk)
        <div class="mb-3">
            <span class="badge bg-primary-subtle text-primary-emphasis border border-primary-subtle mb-2">MUK</span>
            <div class="row g-2 mb-2">
                <div class="col-sm-6 col-md-4">
                    <x-ui.data-field label="AQ — Jenis Pohon / Komoditas" :value="$namaJenisPohon ?: '—'" />
                </div>
                <div class="col-sm-6 col-md-4">
                    <x-ui.data-field
                        label="AR — Jumlah Pohon"
                        :value="$jumlahPohon > 0 ? number_format($jumlahPohon, 0, ',', '.') . ' pohon' : '—'"
                    />
                </div>
                <div class="col-sm-6 col-md-4">
                    <x-ui.data-field label="AT — Nilai Seluruh Tallysheet (MUK)" :value="$muk->nilai_jaminan" :currency="true" empty="—" />
                </div>
            </div>
        </div>
        @elseif($tts->isNotEmpty())
        <div class="mb-3">
            <span class="badge bg-warning-subtle text-warning-emphasis border border-warning-subtle mb-2">Tunda Tebang</span>
            @foreach($tts as $tt)
            <div class="mb-2">
                <div class="small text-muted mb-1">Persil: {{ $tt->no_persil ?? '—' }}{{ $tt->blok ? ' / Blok ' . $tt->blok : '' }}</div>
                @if($tt->pohon->isNotEmpty())
                <div class="table-responsive">
                    <table class="table table-sm table-bordered align-middle mb-1" style="font-size:0.83rem">
                        <thead class="table-light">
                            <tr>
                                <th>Jenis Pohon</th>
                                <th class="text-end">Volume (m³)</th>
                                <th class="text-end">Nilai (Rp)</th>
                            </tr>
                        </thead>
                        <tbody>
                            @foreach($tt->pohon as $pohon)
                            <tr>
                                <td>{{ $pohon->jenis_pohon ?? '—' }}</td>
                                <td class="text-end">{{ number_format($pohon->volume ?? 0, 2, ',', '.') }}</td>
                                <td class="text-end">Rp {{ number_format($pohon->nilai_pohon ?? 0, 0, ',', '.') }}</td>
                            </tr>
                            @endforeach
                        </tbody>
                        <tfoot class="fw-bold table-light">
                            <tr>
                                <td colspan="2">AT — Nilai Jaminan Persil Ini</td>
                                <td class="text-end">Rp {{ number_format($tt->total_nilai_jaminan ?? 0, 0, ',', '.') }}</td>
                            </tr>
                        </tfoot>
                    </table>
                </div>
                @endif
            </div>
            @endforeach
            @if($atTt > 0)
            <div class="row g-2">
                <div class="col-sm-6 col-md-4">
                    <x-ui.data-field label="AT — Total Nilai Tallysheet (TT)" :value="$atTt" :currency="true" />
                </div>
            </div>
            @endif
        </div>
        @else
        <x-ui.empty-state icon="bi-tree" title="Belum ada tallysheet" desc="Data tallysheet belum diinput oleh PL." />
        @endif

        {{-- Tabel Valuasi --}}
        @if($atVal)
        @php
            $au = $atVal * 0.10;
            $av = $atVal * 0.20;
            $aw = $atVal * 0.50;
            $r  = $pengajuan->nilai_permohonan ?? 0;
        @endphp
        <div class="table-responsive mt-3">
            <table class="table table-sm table-bordered da-valuasi-table mb-0">
                <thead class="table-light">
                    <tr>
                        <th>Valuasi</th>
                        <th class="text-end">Nilai Jaminan (Rp)</th>
                        <th class="text-end">Threshold 125% (Rp)</th>
                        <th class="text-end">Penyesuaian MIN(threshold, R)</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>AU — 10% dari AT</td>
                        <td class="text-end">{{ $rp($au) }}</td>
                        <td class="text-end">{{ $rp($au * 1.25) }}</td>
                        <td class="text-end">{{ $rp(min($au * 1.25, $r)) }}</td>
                    </tr>
                    <tr>
                        <td>AV — 20% dari AT</td>
                        <td class="text-end">{{ $rp($av) }}</td>
                        <td class="text-end">{{ $rp($av * 1.25) }}</td>
                        <td class="text-end">{{ $rp(min($av * 1.25, $r)) }}</td>
                    </tr>
                    <tr class="table-active fw-semibold">
                        <td>AW — 50% dari AT</td>
                        <td class="text-end">{{ $rp($aw) }}</td>
                        <td class="text-end">{{ $rp($aw * 1.25) }}</td>
                        <td class="text-end">{{ $rp(min($aw * 1.25, $r)) }}</td>
                    </tr>
                </tbody>
            </table>
        </div>
        @elseif($muk || $tts->isNotEmpty())
        <div class="alert alert-warning d-flex align-items-center gap-2 mt-2 py-2 small" role="alert">
            <i class="bi bi-exclamation-triangle-fill flex-shrink-0"></i>
            Nilai tallysheet (AT) belum tersedia — tabel valuasi tidak dapat dihitung.
        </div>
        @endif

        {{-- Sub-blok 3: Konfirmasi Penguasaan Lahan --}}
        <p class="da-subblok">Konfirmasi Penguasaan Lahan</p>
        <div class="row g-2">
            <div class="col-sm-6">
                <x-ui.data-field label="AX — Kesesuaian dan legalitas dokumen penguasaan lahan">
                    {{ $boolText($pl9?->legalitas_dok_lahan) }}
                </x-ui.data-field>
            </div>
            <div class="col-sm-6">
                <x-ui.data-field label="AY — Harga yang digunakan wajar">
                    {{ $boolText($pl9?->harga_wajar) }}
                </x-ui.data-field>
            </div>
        </div>
    </x-ui.section-card>

    {{-- ── SECTION TALLYSHEET ───────────────────────────────────────────────── --}}
    <x-ui.section-card
        title="Tallysheet"
        icon="bi-table"
        collapsible
        class="mb-4"
    >
        @if($muk)
        <div class="mb-2">
            <span class="badge bg-primary-subtle text-primary-emphasis border border-primary-subtle">MUK</span>
        </div>
        @if($produksiBulanan->isNotEmpty())
        <div class="table-responsive">
            <table class="table table-sm table-bordered align-middle mb-0" style="font-size:0.83rem">
                <thead class="table-light">
                    <tr>
                        <th>Bulan</th>
                        <th class="text-end">Qty (kg)</th>
                        <th class="text-end">Harga/kg (Rp)</th>
                        <th class="text-end">Total (Rp)</th>
                    </tr>
                </thead>
                <tbody>
                    @foreach($produksiBulanan as $pb)
                    <tr>
                        <td>{{ $pb->bulan }}</td>
                        <td class="text-end">{{ number_format($pb->qty_panen_kg, 1, ',', '.') }}</td>
                        <td class="text-end">{{ number_format($pb->harga_per_kg, 0, ',', '.') }}</td>
                        <td class="text-end">{{ number_format($pb->total_harga, 0, ',', '.') }}</td>
                    </tr>
                    @endforeach
                </tbody>
                <tfoot class="fw-bold table-light">
                    <tr>
                        <td colspan="3">Total Produksi Tahunan</td>
                        <td class="text-end">Rp {{ number_format($totalProduksiTahun, 0, ',', '.') }}</td>
                    </tr>
                </tfoot>
            </table>
        </div>
        @else
        <x-ui.empty-state icon="bi-table" title="Belum ada data produksi" desc="Tallysheet produksi bulanan belum diisi PL." />
        @endif

        @elseif($tts->isNotEmpty())
        <div class="mb-2">
            <span class="badge bg-warning-subtle text-warning-emphasis border border-warning-subtle">Tunda Tebang</span>
        </div>
        @foreach($tts as $tt)
        <div class="{{ ! $loop->first ? 'mt-3' : '' }}">
            <div class="text-muted small fw-semibold mb-1">
                Persil {{ $tt->no_persil ?? $loop->iteration }}{{ $tt->blok ? ' — Blok ' . $tt->blok : '' }}
                <span class="ms-2 text-body">
                    ({{ $tt->luas_lahan_m2 ? number_format($tt->luas_lahan_m2 / 10000, 2, ',', '.') . ' ha' : '—' }})
                </span>
            </div>
            @if($tt->pohon->isNotEmpty())
            <div class="table-responsive">
                <table class="table table-sm table-bordered align-middle mb-1" style="font-size:0.83rem">
                    <thead class="table-light">
                        <tr>
                            <th>Jenis Pohon</th>
                            <th class="text-end">Volume (m³)</th>
                            <th class="text-end">Nilai Pohon (Rp)</th>
                        </tr>
                    </thead>
                    <tbody>
                        @foreach($tt->pohon as $pohon)
                        <tr>
                            <td>{{ $pohon->jenis_pohon ?? '—' }}</td>
                            <td class="text-end">{{ number_format($pohon->volume ?? 0, 2, ',', '.') }}</td>
                            <td class="text-end">{{ number_format($pohon->nilai_pohon ?? 0, 0, ',', '.') }}</td>
                        </tr>
                        @endforeach
                    </tbody>
                    <tfoot class="fw-bold table-light">
                        <tr>
                            <td colspan="2">Total Nilai Jaminan Persil</td>
                            <td class="text-end">Rp {{ number_format($tt->total_nilai_jaminan ?? 0, 0, ',', '.') }}</td>
                        </tr>
                    </tfoot>
                </table>
            </div>
            @else
            <p class="text-muted small"><i class="bi bi-info-circle me-1"></i>Belum ada data pohon untuk persil ini.</p>
            @endif
        </div>
        @endforeach

        @else
        <x-ui.empty-state icon="bi-tree" title="Belum ada data tallysheet" desc="Data tallysheet belum diinput oleh PL." />
        @endif
    </x-ui.section-card>

    {{-- ══════════════════════════════════════════════════════════════════════
         DIVIDER: INPUT PENILAIAN PENELAAH
         ══════════════════════════════════════════════════════════════════════ --}}
    <div class="da-section-divider">
        <span class="da-section-divider__label bg-primary-subtle text-primary-emphasis">
            Input Penilaian Penelaah
        </span>
        <hr class="da-section-divider__line">
    </div>
    <p class="text-muted small mb-3">Isi berdasarkan hasil query Pefindo dan review data di atas. Data Pefindo diinput manual dari portal.</p>

    {{-- ══════════════════════════════════════════════════════════════════════
         FORM INPUT (disabled jika read-only)
         ══════════════════════════════════════════════════════════════════════ --}}
    <form action="{{ route('desk-analysis.penelaah.store', $pengajuan) }}" method="POST"
          enctype="multipart/form-data">
        @csrf

        @if($isReadOnly)
        <fieldset disabled>
        @endif

        {{-- ── Personal Debitur Confirmation ────────────────────────────────── --}}
        <x-form.section
            title="Personal Debitur Confirmation"
            icon="bi-person-check"
            class="mb-4"
        >
            <div class="row g-3">
                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">M — Menjadi Anggota Kelompok</label>
                    <select name="menjadi_anggota_kelompok"
                        class="form-select @error('menjadi_anggota_kelompok') is-invalid @enderror">
                        <option value="">-- Pilih --</option>
                        <option value="1" @selected(old('menjadi_anggota_kelompok', $da?->menjadi_anggota_kelompok) == 1)>Ya</option>
                        <option value="0" @selected(old('menjadi_anggota_kelompok', $da?->menjadi_anggota_kelompok) == 0)>Tidak</option>
                    </select>
                    @error('menjadi_anggota_kelompok')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>
            </div>
        </x-form.section>

        {{-- ── SECTION E — Scoring Pefindo (BF–BK) ───────────────────────────── --}}
        <x-form.section
            title="E. Scoring Pefindo"
            icon="bi-bank"
            desc="Input dari portal Pefindo. Upload dokumen (PDF/screenshot) sebagai lampiran."
            class="mb-4 {{ $errors->hasAny(['bf_jumlah_fasilitas_aktif','bg_tunggakan_outstanding','bh_tunggakan_hari_12_bln','bi_skor_pefindo','bj_tingkat_kelayakan','bk_pod']) ? 'border border-danger' : '' }}"
        >
            <div class="row g-3">
                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BF — Jumlah Fasilitas Pinjaman Aktif</label>
                    <input type="number" name="bf_jumlah_fasilitas_aktif"
                        class="form-control @error('bf_jumlah_fasilitas_aktif') is-invalid @enderror"
                        value="{{ old('bf_jumlah_fasilitas_aktif', $da?->bf_jumlah_fasilitas_aktif) }}"
                        min="0" placeholder="0">
                    @error('bf_jumlah_fasilitas_aktif')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BG — Jumlah Tunggakan (Rp)</label>
                    <x-form.currency-input
                        name="bg_tunggakan_outstanding"
                        :value="old('bg_tunggakan_outstanding', $da?->bg_tunggakan_outstanding)"
                    />
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BH — Jumlah Tunggakan 12 Bulan Terakhir (hari)</label>
                    <input type="number" name="bh_tunggakan_hari_12_bln"
                        class="form-control @error('bh_tunggakan_hari_12_bln') is-invalid @enderror"
                        value="{{ old('bh_tunggakan_hari_12_bln', $da?->bh_tunggakan_hari_12_bln) }}"
                        min="0" placeholder="0">
                    @error('bh_tunggakan_hari_12_bln')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BI — Nilai Scoring Pefindo</label>
                    <input type="number" name="bi_skor_pefindo"
                        class="form-control @error('bi_skor_pefindo') is-invalid @enderror"
                        value="{{ old('bi_skor_pefindo', $da?->bi_skor_pefindo) }}"
                        min="0" max="999" placeholder="0–999">
                    @error('bi_skor_pefindo')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BJ — Tingkat Kelayakan</label>
                    <select name="bj_tingkat_kelayakan"
                        class="form-select @error('bj_tingkat_kelayakan') is-invalid @enderror">
                        <option value="">-- Pilih --</option>
                        <option value="Very Low Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'Very Low Risk')>
                            Very Low Risk
                        </option>
                        <option value="Low Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'Low Risk')>
                            Low Risk
                        </option>
                        <option value="Average Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'Average Risk')>
                            Average Risk
                        </option>
                        <option value="Moderate Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'Moderate Risk')>
                            Moderate Risk
                        </option>
                        <option value="High Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'High Risk')>
                            High Risk
                        </option>
                        <option value="Very High Risk"
                            @selected(old('bj_tingkat_kelayakan', $da?->bj_tingkat_kelayakan) === 'Very High Risk')>
                            Very High Risk
                        </option>
                    </select>
                    <div class="form-text text-muted">
                        Low/Very Low = 100 poin · Average/Moderate = 50 poin · High/Very High = 25 poin
                    </div>
                    @error('bj_tingkat_kelayakan')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">BK — Probability of Default (%)</label>
                    <input type="number" name="bk_pod"
                        class="form-control @error('bk_pod') is-invalid @enderror"
                        value="{{ old('bk_pod', $da?->bk_pod !== null ? (float)$da->bk_pod : null) }}"
                        step="0.01" min="0" max="100" placeholder="0–100">
                    @error('bk_pod')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-sm-6 col-md-4">
                    <label class="form-label fw-medium">
                        Status Sumber Pendapatan Lain
                        <span class="text-muted fw-normal small">(CSL param #10)</span>
                    </label>
                    <select name="status_sumber_pendapatan_lain"
                        class="form-select @error('status_sumber_pendapatan_lain') is-invalid @enderror">
                        <option value="">-- Pilih --</option>
                        <option value="stabil"
                            @selected(old('status_sumber_pendapatan_lain', $da?->status_sumber_pendapatan_lain) === 'stabil')>
                            Memiliki — Stabil
                        </option>
                        <option value="tidak_stabil"
                            @selected(old('status_sumber_pendapatan_lain', $da?->status_sumber_pendapatan_lain) === 'tidak_stabil')>
                            Memiliki — Tidak Stabil
                        </option>
                        <option value="tidak_ada"
                            @selected(old('status_sumber_pendapatan_lain', $da?->status_sumber_pendapatan_lain) === 'tidak_ada')>
                            Tidak Ada
                        </option>
                    </select>
                    @error('status_sumber_pendapatan_lain')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-12 col-md-8">
                    <label class="form-label fw-medium">Upload Dokumen Pefindo
                        <span class="text-muted fw-normal">(PDF/Gambar, maks 5 MB)</span>
                    </label>
                    @if($da?->dokumen_pefindo_path)
                    <div class="mb-2">
                        <a href="{{ route('desk-analysis.penelaah.dokumen-pefindo', $pengajuan) }}"
                           target="_blank" class="btn btn-outline-success btn-sm">
                            <i class="bi bi-file-earmark-pdf me-1"></i>Lihat Dokumen Pefindo
                        </a>
                    </div>
                    @endif
                    <input type="file" name="dokumen_pefindo"
                        class="form-control @error('dokumen_pefindo') is-invalid @enderror"
                        accept=".pdf,.jpg,.jpeg,.png">
                    @if($da?->dokumen_pefindo_path)
                    <div class="form-text text-muted">Kosongkan jika tidak ingin mengganti dokumen yang sudah ada.</div>
                    @endif
                    @error('dokumen_pefindo')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>
            </div>
        </x-form.section>

        {{-- ── SECTION G — CSL Preview (Read-Only) ───────────────────────────── --}}
        @php
            $deb  = $pengajuan->debitur;
            $umur = $deb?->umur;

            $nfParams = [
                [
                    'nama'  => 'Usia',
                    'nilai' => $umur !== null ? "{$umur} tahun" : '—',
                    'skor'  => $umur === null ? null : match (true) {
                        $umur >= 25 && $umur <= 45 => 100,
                        $umur > 45 && $umur <= 55  => 50,
                        default                    => 25,
                    },
                ],
                [
                    'nama'  => 'Status Perkawinan',
                    'nilai' => $deb?->status_kawin ?? '—',
                    'skor'  => match ($deb?->status_kawin) {
                        'kawin'       => 100,
                        'belum_kawin' => 50,
                        default       => $deb?->status_kawin !== null ? 25 : null,
                    },
                ],
                [
                    'nama'  => 'Tanggungan',
                    'nilai' => $deb?->tanggungan !== null ? "{$deb->tanggungan} orang" : '—',
                    'skor'  => $deb?->tanggungan === null ? null : match (true) {
                        $deb->tanggungan >= 1 && $deb->tanggungan <= 2 => 100,
                        $deb->tanggungan === 3                          => 50,
                        default                                         => 25,
                    },
                ],
                [
                    'nama'  => 'Status Tempat Tinggal',
                    'nilai' => $deb?->status_tempat_tinggal ?? '—',
                    'skor'  => match ($deb?->status_tempat_tinggal) {
                        'milik_sendiri', 'milik_keluarga' => 100,
                        'sewa'                            => 25,
                        default                           => null,
                    },
                ],
                [
                    'nama'  => 'Lama Menetap',
                    'nilai' => $deb?->lama_menempati_tahun !== null ? "{$deb->lama_menempati_tahun} tahun" : '—',
                    'skor'  => $deb?->lama_menempati_tahun === null ? null : match (true) {
                        $deb->lama_menempati_tahun > 10 => 100,
                        $deb->lama_menempati_tahun >= 5 => 50,
                        default                         => 25,
                    },
                ],
                [
                    'nama'  => 'Status Usaha',
                    'nilai' => $deb?->status_kepemilikan_usaha ?? '—',
                    'skor'  => in_array($deb?->status_kepemilikan_usaha, ['milik_sendiri', 'milik_keluarga', 'partner'])
                                 ? 100
                                 : ($deb?->status_kepemilikan_usaha !== null ? 25 : null),
                ],
                [
                    'nama'  => 'Status Tempat Usaha',
                    'nilai' => $deb?->status_tempat_usaha ?? '—',
                    'skor'  => match ($deb?->status_tempat_usaha) {
                        'milik_sendiri', 'milik_keluarga' => 100,
                        'sewa'                            => 25,
                        default                           => null,
                    },
                ],
                [
                    'nama'  => 'Lama Usaha',
                    'nilai' => $deb?->lama_usaha_tahun !== null ? "{$deb->lama_usaha_tahun} tahun" : '—',
                    'skor'  => $deb?->lama_usaha_tahun === null ? null : match (true) {
                        $deb->lama_usaha_tahun > 5  => 100,
                        $deb->lama_usaha_tahun >= 3 => 50,
                        default                     => 25,
                    },
                ],
                [
                    'nama'  => 'Jaminan',
                    'nilai' => $cslPreview['coverPct'] !== null ? $cslPreview['coverPct'].'%' : '—',
                    'skor'  => $cslPreview['coverPct'] === null ? null : match (true) {
                        $cslPreview['coverPct'] > 150  => 100,
                        $cslPreview['coverPct'] >= 120 => 50,
                        default                        => 25,
                    },
                ],
                [
                    'nama'  => 'Sumber Pendapatan',
                    'nilai' => match ($da?->status_sumber_pendapatan_lain) {
                        'stabil'       => 'Memiliki — Stabil',
                        'tidak_stabil' => 'Memiliki — Tidak Stabil',
                        'tidak_ada'    => 'Tidak Ada',
                        default        => '—',
                    },
                    'skor'  => match ($da?->status_sumber_pendapatan_lain) {
                        'stabil'       => 100,
                        'tidak_stabil' => 50,
                        'tidak_ada'    => 25,
                        default        => null,
                    },
                ],
            ];

            $nfScores    = collect($nfParams)->pluck('skor')->filter(fn ($s) => $s !== null);
            $nfTotal     = $nfScores->sum();
            $nfLengkap   = $nfScores->count() === 10;
            $skorNf      = $nfLengkap ? round($nfTotal * 0.03, 2) : null;
            $skorTotal   = ($cslPreview['skorEk'] !== null && $cslPreview['skorFin'] !== null && $skorNf !== null)
                             ? round($cslPreview['skorEk'] + $cslPreview['skorFin'] + $skorNf, 2)
                             : null;
        @endphp

        <x-ui.section-card
            title="G. CSL Preview — Scoring Breakdown"
            icon="bi-calculator"
            class="mb-4"
            :collapsed="false"
            desc="Kalkulasi otomatis dari data DA + Pefindo. Status final dikonfirmasi saat FA."
        >
            {{-- Compliance Parameters --}}
            <h6 class="fw-semibold mb-2">Compliance Parameters</h6>

            @if($cslPreview['hasWarning'])
            <div class="alert alert-warning py-2 small mb-3">
                Beberapa data belum tersedia — status "Perlu Cek" dikonfirmasi saat Field Analysis.
            </div>
            @endif

            <div class="table-responsive mb-3">
                <table class="table table-sm table-bordered align-middle mb-0">
                    <thead class="table-light">
                        <tr>
                            <th style="width:20%">Parameter</th>
                            <th>Syarat</th>
                            <th style="width:26%">Nilai</th>
                            <th style="width:13%" class="text-center">Status</th>
                        </tr>
                    </thead>
                    <tbody>
                        @foreach($cslPreview['compliance'] as $param => $cp)
                        <tr>
                            <td class="fw-medium small">{{ $param }}</td>
                            <td class="small text-muted">{{ $cp['syarat'] }}</td>
                            <td class="small">{{ $cp['nilai'] ?? '—' }}</td>
                            <td class="text-center small">
                                @if($cp['status'] === 'accepted')
                                    <span class="text-success fw-semibold">Accepted</span>
                                @elseif($cp['status'] === 'rejected')
                                    <span class="text-danger fw-semibold">Rejected</span>
                                @else
                                    <span class="text-warning fw-semibold">Perlu Cek</span>
                                @endif
                            </td>
                        </tr>
                        @endforeach
                    </tbody>
                </table>
            </div>

            <p class="small mb-4">
                Status keseluruhan:
                @if($cslPreview['hasWarning'])
                    <span class="text-warning fw-semibold">Data Belum Lengkap</span>
                @elseif($cslPreview['allAccepted'])
                    <span class="text-success fw-semibold">Compliance</span>
                @else
                    <span class="text-danger fw-semibold">Not Compliance</span>
                @endif
            </p>

            {{-- Scoring Indicators --}}
            @if($cslPreview['hasRejected'])
                <div class="alert alert-danger py-2 small">
                    Skor tidak dihitung — ada parameter compliance yang Rejected.
                </div>
            @else
                <h6 class="fw-semibold mb-3">Scoring Indicators</h6>

                <div class="mb-3 p-3 bg-light rounded">
                    <div class="fw-medium mb-1 small">I. Eksternal — Pefindo Scoring (bobot 40%)</div>
                    <div class="small">
                        Tingkat Kelayakan: <strong>{{ $cslPreview['bj'] ?? '—' }}</strong>
                        @if($cslPreview['nilaiEk'] !== null)
                            → {{ $cslPreview['nilaiEk'] }} poin × 40% = <strong>{{ $cslPreview['skorEk'] }}</strong>
                        @else
                            <span class="text-warning ms-1">Isi BJ (Tingkat Kelayakan) dulu</span>
                        @endif
                    </div>
                </div>

                <div class="mb-3 p-3 bg-light rounded">
                    <div class="fw-medium mb-1 small">II. Internal Financial — RPC Capacity (bobot 30%)</div>
                    <div class="small">
                        RPC Tahunan: <strong>Rp {{ $cslPreview['rpcTahunan'] ? number_format($cslPreview['rpcTahunan']) : '—' }}</strong>
                        / Angsuran/Tahun: <strong>Rp {{ $cslPreview['angsuranTahunan'] ? number_format($cslPreview['angsuranTahunan']) : '—' }}</strong><br>
                        Rasio: <strong>{{ $cslPreview['rasioRpc'] !== null ? $cslPreview['rasioRpc'].'×' : '—' }}</strong>
                        @if($cslPreview['nilaiFin'] !== null)
                            → {{ $cslPreview['nilaiFin'] }} poin × 30% = <strong>{{ $cslPreview['skorFin'] }}</strong>
                        @else
                            <span class="text-warning ms-1">Data kemampuan bayar belum lengkap</span>
                        @endif
                    </div>
                </div>

                <div class="mb-4 p-3 bg-light rounded">
                    <div class="fw-medium mb-2 small">III. Internal Non-Financial — 10 Parameter (bobot 30%, 3% each)</div>
                    <div class="table-responsive">
                        <table class="table table-sm mb-1 small">
                            <thead class="table-light">
                                <tr>
                                    <th>Parameter</th>
                                    <th>Nilai</th>
                                    <th class="text-center" style="width:70px">Skor</th>
                                </tr>
                            </thead>
                            <tbody>
                                @foreach($nfParams as $nf)
                                <tr>
                                    <td>{{ $nf['nama'] }}</td>
                                    <td class="text-muted">{{ $nf['nilai'] }}</td>
                                    <td class="text-center">
                                        @if($nf['skor'] !== null)
                                            {{ $nf['skor'] }}
                                        @else
                                            <span class="text-warning">—</span>
                                        @endif
                                    </td>
                                </tr>
                                @endforeach
                            </tbody>
                        </table>
                    </div>
                    <div class="small text-muted">
                        Kontribusi: {{ $nfTotal }} × 0.03 =
                        <strong>{{ $skorNf ?? '—' }}</strong>
                        @if(! $nfLengkap)
                            <span class="text-warning ms-1">({{ $nfScores->count() }}/10 data tersedia)</span>
                        @endif
                    </div>
                </div>

                <hr class="my-3">
                <div class="row align-items-center">
                    <div class="col-md-8">
                        <div class="row text-center g-2">
                            <div class="col-4">
                                <div class="border rounded p-2">
                                    <div class="small text-muted">I. Eksternal (40%)</div>
                                    <div class="fw-bold fs-5">{{ $cslPreview['skorEk'] ?? '—' }}</div>
                                    <div class="small text-muted">dari maks 40</div>
                                </div>
                            </div>
                            <div class="col-4">
                                <div class="border rounded p-2">
                                    <div class="small text-muted">II. Financial (30%)</div>
                                    <div class="fw-bold fs-5">{{ $cslPreview['skorFin'] ?? '—' }}</div>
                                    <div class="small text-muted">dari maks 30</div>
                                </div>
                            </div>
                            <div class="col-4">
                                <div class="border rounded p-2">
                                    <div class="small text-muted">III. Non-Financial (30%)</div>
                                    <div class="fw-bold fs-5">{{ $skorNf ?? '—' }}</div>
                                    <div class="small text-muted">dari maks 30</div>
                                </div>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-4 text-center mt-3 mt-md-0">
                        @if($skorTotal !== null)
                            <div class="fw-bold display-6">{{ $skorTotal }}</div>
                            <div class="small text-muted">Total / 100</div>
                            <div class="mt-1 fw-semibold
                                {{ $skorTotal >= 75 ? 'text-success' : ($skorTotal >= 50 ? 'text-warning' : 'text-danger') }}">
                                {{ $skorTotal >= 75 ? 'Low Risk' : ($skorTotal >= 50 ? 'Moderate Risk' : 'High Risk') }}
                            </div>
                            <div class="small mt-1 {{ $skorTotal >= 50 ? 'text-success' : 'text-danger' }}">
                                {{ $skorTotal >= 50 ? 'Layak Diproses' : 'Tidak Layak Diproses' }}
                            </div>
                        @else
                            <div class="text-muted small">Data belum lengkap</div>
                        @endif
                    </div>
                </div>
            @endif
        </x-ui.section-card>

        {{-- ── SECTION F — Penilaian ───────────────────────────────────────────── --}}
        <x-form.section
            title="F. Penilaian"
            icon="bi-clipboard-check"
            class="mb-4"
        >
            <div
                x-data="{ hasil: '{{ old('bm_hasil_penilaian', $da?->bm_hasil_penilaian) }}' }"
                class="row g-3"
            >
                <div class="col-12">
                    <label class="form-label fw-medium">
                        BL — Catatan Analysis
                        <span class="text-muted fw-normal">(opsional)</span>
                    </label>
                    <textarea name="bl_catatan"
                        class="form-control"
                        rows="4"
                        placeholder="Hal-hal yang perlu diverifikasi saat Field Analysis, penyesuaian nilai/jangka waktu jika perlu...">{{ old('bl_catatan', $da?->bl_catatan) }}</textarea>
                </div>

                <div class="col-sm-6">
                    <label class="form-label fw-medium">BM — Penilaian Desk Analysis <span class="text-danger">*</span></label>
                    <select name="bm_hasil_penilaian"
                        x-model="hasil"
                        class="form-select @error('bm_hasil_penilaian') is-invalid @enderror">
                        <option value="">-- Pilih --</option>
                        <option value="layak"
                            @selected(old('bm_hasil_penilaian', $da?->bm_hasil_penilaian) === 'layak')>
                            Layak
                        </option>
                        <option value="layak_dengan_catatan"
                            @selected(old('bm_hasil_penilaian', $da?->bm_hasil_penilaian) === 'layak_dengan_catatan')>
                            Layak Dengan Catatan
                        </option>
                        <option value="revisi"
                            @selected(old('bm_hasil_penilaian', $da?->bm_hasil_penilaian) === 'revisi')>
                            Perlu Revisi
                        </option>
                        <option value="tidak_layak"
                            @selected(old('bm_hasil_penilaian', $da?->bm_hasil_penilaian) === 'tidak_layak')>
                            Tidak Layak
                        </option>
                    </select>
                    @error('bm_hasil_penilaian')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>

                <div class="col-12" x-show="hasil === 'revisi'" x-cloak>
                    <div class="alert alert-warning d-flex align-items-center gap-2 py-2 small mb-2" role="alert">
                        <i class="bi bi-exclamation-triangle-fill flex-shrink-0"></i>
                        Isi catatan revisi — jelaskan perbaikan yang diminta ke PL.
                    </div>
                    <label class="form-label fw-medium">
                        Catatan Revisi <span class="text-danger">*</span>
                    </label>
                    <textarea name="catatan_revisi"
                        class="form-control @error('catatan_revisi') is-invalid @enderror"
                        rows="3"
                        placeholder="Detail perbaikan yang diminta ke PL...">{{ old('catatan_revisi', $da?->catatan_revisi) }}</textarea>
                    @error('catatan_revisi')
                        <div class="invalid-feedback">{{ $message }}</div>
                    @enderror
                </div>
            </div>
        </x-form.section>

        @if($isReadOnly)
        </fieldset>
        @endif

        {{-- ── Action Buttons ──────────────────────────────────────────────────── --}}
        @if(! $isReadOnly)
        <div class="d-flex gap-2 justify-content-end flex-wrap">
            <button type="submit" name="mark_done" value="0"
                class="btn btn-outline-secondary">
                <i class="bi bi-floppy me-1"></i> Simpan Saja
            </button>
            @if($da?->submitted_at)
            <span class="btn btn-success disabled">
                <i class="bi bi-check-circle-fill me-1"></i> Sudah Diselesaikan
            </span>
            @else
            <button type="submit" name="mark_done" value="1"
                class="btn btn-primary">
                <i class="bi bi-check2-circle me-1"></i> Selesai
            </button>
            @endif
        </div>
        @else
        <div class="d-flex justify-content-end">
            <span class="da-readonly-hint">
                <i class="bi bi-lock me-1"></i>Form terkunci — DA sudah disubmit ke Verifikator.
            </span>
        </div>
        @endif

    </form>

</div>
@endsection