<?php
// Enable error reporting
ini_set('display_errors', 1);
ini_set('display_startup_errors', 1);
error_reporting(E_ALL);

require_once '../includes/db.php';
require_once '../includes/functions.php';
require_once '../includes/session_manager.php';

redirectIfNotLoggedIn();

$userId = $_SESSION['user_id'];
$error = '';
$success = '';

// Fetch user's account and balance
$stmt = $pdo->prepare("SELECT account_id, balance FROM accounts WHERE user_id = ?");
$stmt->execute([$userId]);
$account = $stmt->fetch();
if (!$account) {
    die("User account not found.");
}
$accountId = $account['account_id'];
$balance = $account['balance'];

// Function to calculate penalty
function calculatePenalty($loan)
{
    $currentDate = new DateTime();
    $approvedDate = new DateTime($loan['approved_at']);
    $termEndDate = clone $approvedDate;
    $termEndDate->modify('+' . $loan['term_months'] . ' months');

    if ($currentDate > $termEndDate) {
        $daysOverdue = $currentDate->diff($termEndDate)->days;
        $penaltyRate = 0.01; // 1% penalty per day
        $penaltyAmount = $loan['total_due'] * ($penaltyRate * $daysOverdue);
        return $penaltyAmount;
    }
    return 0;
}

// Fetch active loans for the user
$stmt = $pdo->prepare("
    SELECT * 
    FROM loans 
    WHERE user_id = ? 
    AND status = 'approved' 
    AND is_paid = 'no'
    ORDER BY created_at DESC
");
$stmt->execute([$userId]);
$loans = $stmt->fetchAll();

// Update penalty amounts for all loans
foreach ($loans as &$loan) {
    $currentDate = new DateTime();
    $approvedDate = new DateTime($loan['approved_at']);
    $termEndDate = clone $approvedDate;
    $termEndDate->modify('+' . $loan['term_months'] . ' months');

    if ($currentDate > $termEndDate) {
        $daysOverdue = $currentDate->diff($termEndDate)->days;
        $penaltyRate = 0.01; // 1% penalty per day
        $penaltyAmount = $loan['total_due'] * ($penaltyRate * $daysOverdue);

        // Update the penalty amount in the database
        $updateStmt = $pdo->prepare("UPDATE loans SET penalty_amount = ? WHERE loan_id = ?");
        $updateStmt->execute([$penaltyAmount, $loan['loan_id']]);

        // Update the penalty amount in our current result set
        $loan['penalty_amount'] = $penaltyAmount;
    } else {
        $loan['penalty_amount'] = $loan['penalty_amount'] ?? 0;
    }
}

// CSRF token
if (empty($_SESSION['loan_payment_token'])) {
    $_SESSION['loan_payment_token'] = bin2hex(random_bytes(32));
}
$token = $_SESSION['loan_payment_token'];

// Handle loan payment
if ($_SERVER['REQUEST_METHOD'] === 'POST') {
    if (!isset($_POST['token']) || $_POST['token'] !== $_SESSION['loan_payment_token']) {
        $error = "Invalid or duplicate submission.";
    } else {
        $loanId = $_POST['loan_id'];
        $paymentAmount = filter_var($_POST['payment_amount'], FILTER_SANITIZE_NUMBER_FLOAT, FILTER_FLAG_ALLOW_FRACTION);

        if ($paymentAmount <= 0) {
            $error = "Invalid payment amount.";
        } else {
            // Verify loan belongs to user and get current details
            $stmt = $pdo->prepare("
                SELECT * FROM loans 
                WHERE loan_id = ? AND user_id = ? AND status = 'approved' AND is_paid = 'no'
            ");
            $stmt->execute([$loanId, $userId]);
            $loan = $stmt->fetch();

            if (!$loan) {
                $error = "Loan not found or already paid.";
            } else {
                // Calculate current penalty
                $currentPenalty = calculatePenalty($loan);
                $totalDueWithPenalty = $loan['total_due'] + $currentPenalty;

                if ($paymentAmount > $totalDueWithPenalty) {
                    $error = "Payment exceeds total due with penalties.";
                } elseif ($balance < $paymentAmount) {
                    $error = "Insufficient balance. Your current balance is $" . number_format($balance, 2);
                } else {
                    try {
                        $pdo->beginTransaction();

                        // Deduct from account
                        $stmt = $pdo->prepare("UPDATE accounts SET balance = balance - ? WHERE user_id = ?");
                        $stmt->execute([$paymentAmount, $userId]);

                        $remaining = round($totalDueWithPenalty - $paymentAmount, 2);

                        if ($remaining > 0) {
                            // Partial payment
                            $stmt = $pdo->prepare("UPDATE loans SET total_due = ? WHERE loan_id = ?");
                            $stmt->execute([$remaining, $loanId]);
                            $desc = "Partial Loan Payment - $" . number_format($paymentAmount, 2);
                            $paymentType = "partial";
                        } else {
                            // Full payment
                            $stmt = $pdo->prepare("UPDATE loans SET is_paid = 'yes', total_due = 0, paid_at = NOW() WHERE loan_id = ?");
                            $stmt->execute([$loanId]);
                            $desc = "Full Loan Payment - $" . number_format($paymentAmount, 2);
                            $paymentType = "full";
                        }

                        // Log transaction
                        $stmt = $pdo->prepare("
                            INSERT INTO transactions (account_id, type, amount, description, created_at)
                            VALUES (?, 'loanpayment', ?, ?, NOW())
                        ");
                        $stmt->execute([$accountId, $paymentAmount, $desc]);

                        $pdo->commit();

                        // Regenerate token
                        $_SESSION['loan_payment_token'] = bin2hex(random_bytes(32));

                        if ($paymentType === "full") {
                            $_SESSION['success_message'] = "Loan fully paid! Thank you for your payment.";
                        } else {
                            $_SESSION['success_message'] = "Payment of $" . number_format($paymentAmount, 2) . " received. Remaining balance: $" . number_format($remaining, 2);
                        }
                        header("Location: loan-payment.php");
                        exit();
                    } catch (Exception $e) {
                        $pdo->rollBack();
                        $error = "Payment failed: " . $e->getMessage();
                    }
                }
            }
        }
    }
}

// Get user account information
$userId = $_SESSION['user_id'];
$stmt = $pdo->prepare("
    SELECT u.*, a.account_number, a.balance 
    FROM users u 
    JOIN accounts a ON u.user_id = a.user_id 
    WHERE u.user_id = ?
");
$stmt->execute([$userId]);
$user = $stmt->fetch();

if (!$user) {
    die('User account not found.');
}

// Check if the user has a profile picture
$stmt = $pdo->prepare("SELECT profile_picture FROM users WHERE user_id = ?");
$profilePic = $user['profile_picture'] ? '../uploads/' . $user['profile_picture'] : '../assets/images/default-avatars.png';

// Calculate summary statistics
$totalDue = 0;
$totalPenalty = 0;
$overdueCount = 0;
$currentDate = new DateTime();

foreach ($loans as $loan) {
    $totalDue += $loan['total_due'];
    $totalPenalty += $loan['penalty_amount'];

    $approvedDate = new DateTime($loan['approved_at']);
    $termEndDate = clone $approvedDate;
    $termEndDate->modify('+' . $loan['term_months'] . ' months');
    if ($currentDate > $termEndDate) {
        $overdueCount++;
    }
}
?>

<!DOCTYPE html>
<html lang="en">

<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0, viewport-fit=cover">
    <title>Oakshire Finance - Loan Payment</title>
    <link
        href="https://fonts.googleapis.com/css2?family=Inter:opsz,wght@14..32,300;14..32,400;14..32,500;14..32,600;14..32,700;14..32,800&display=swap"
        rel="stylesheet">
    <link rel="stylesheet" href="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.4.0/css/all.min.css">
    <style>
        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        :root {
            --primary-navy: #0a2540;
            --primary-dark: #0a1c2f;
            --primary-blue: #1a4d8c;
            --accent-blue: #2c7da0;
            --success-green: #2e7d32;
            --warning-orange: #f39c12;
            --error-red: #dc3545;
            --info-blue: #17a2b8;
            --gray-50: #f8f9fc;
            --gray-100: #f1f3f9;
            --gray-200: #e9ecef;
            --gray-300: #dee2e6;
            --gray-400: #ced4da;
            --gray-500: #adb5bd;
            --gray-600: #6c757d;
            --gray-700: #495057;
            --gray-800: #343a40;
            --gray-900: #212529;
            --white: #ffffff;
            --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08);
            --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.05);
            --shadow-lg: 0 8px 24px rgba(0, 0, 0, 0.08);
            --shadow-hover: 0 12px 28px rgba(0, 0, 0, 0.12);
            --transition: all 0.3s ease;
        }

        body {
            font-family: 'Inter', system-ui, -apple-system, sans-serif;
            background: var(--gray-50);
            color: var(--gray-800);
            line-height: 1.5;
            overflow-x: hidden;
        }

        /* Layout */
        .dashboard-wrapper {
            display: flex;
            min-height: 100vh;
        }

        /* Sidebar */
        .sidebar {
            width: 280px;
            background: var(--white);
            border-right: 1px solid var(--gray-200);
            position: fixed;
            left: 0;
            top: 0;
            bottom: 0;
            overflow-y: auto;
            transition: transform 0.3s ease;
            z-index: 100;
        }

        .sidebar-header {
            padding: 24px;
            border-bottom: 1px solid var(--gray-200);
            text-align: center;
        }

        .logo {
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
            text-decoration: none;
        }

        .logo-icon {
            width: 40px;
            height: 40px;
            background: var(--primary-navy);
            border-radius: 10px;
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .logo-icon i {
            font-size: 20px;
            color: white;
        }

        .logo-text {
            font-size: 22px;
            font-weight: 700;
            color: var(--primary-navy);
            letter-spacing: -0.3px;
        }

        .profile-section {
            padding: 24px;
            text-align: center;
            border-bottom: 1px solid var(--gray-200);
        }

        .profile-avatar {
            width: 80px;
            height: 80px;
            border-radius: 50%;
            margin: 0 auto 12px;
            background: linear-gradient(135deg, var(--primary-navy), var(--primary-blue));
            display: flex;
            align-items: center;
            justify-content: center;
            overflow: hidden;
        }

        .profile-avatar img {
            width: 100%;
            height: 100%;
            object-fit: cover;
        }

        .profile-avatar i {
            font-size: 40px;
            color: white;
        }

        .profile-section h5 {
            font-size: 16px;
            font-weight: 600;
            color: var(--gray-900);
            margin-bottom: 4px;
        }

        .profile-section p {
            font-size: 12px;
            color: var(--gray-500);
        }

        .nav-menu {
            padding: 16px;
        }

        .nav-item {
            margin-bottom: 4px;
        }

        .nav-link {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 12px 16px;
            border-radius: 12px;
            text-decoration: none;
            color: var(--gray-700);
            transition: var(--transition);
            font-weight: 500;
            font-size: 14px;
        }

        .nav-link i {
            width: 20px;
            font-size: 18px;
        }

        .nav-link:hover {
            background: var(--gray-100);
            color: var(--primary-blue);
        }

        .nav-link.active {
            background: var(--primary-navy);
            color: white;
        }

        .nav-link.active i {
            color: white;
        }

        .logout-section {
            padding: 16px;
            border-top: 1px solid var(--gray-200);
            margin-top: auto;
            position: absolute;
            bottom: 0;
            left: 0;
            right: 0;
            background: var(--white);
        }

        .logout-btn {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 12px 16px;
            border-radius: 12px;
            text-decoration: none;
            color: var(--error-red);
            transition: var(--transition);
            font-weight: 500;
        }

        .logout-btn:hover {
            background: rgba(220, 53, 69, 0.1);
        }

        /* Main Content */
        .main-content {
            flex: 1;
            margin-left: 280px;
            min-height: 100vh;
        }

        /* Top Header */
        .top-header {
            background: var(--white);
            border-bottom: 1px solid var(--gray-200);
            padding: 16px 32px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            position: sticky;
            top: 0;
            z-index: 99;
        }

        .page-title h1 {
            font-size: 24px;
            font-weight: 700;
            color: var(--gray-900);
        }

        .user-menu {
            display: flex;
            align-items: center;
            gap: 24px;
        }

        .notification-btn {
            position: relative;
            background: none;
            border: none;
            font-size: 20px;
            color: var(--gray-600);
            cursor: pointer;
            transition: var(--transition);
        }

        .notification-btn:hover {
            color: var(--primary-blue);
        }

        /* Content Area */
        .content-area {
            padding: 32px;
        }

        /* Balance Card */
        .balance-card {
            background: linear-gradient(135deg, var(--primary-navy), var(--primary-dark));
            border-radius: 20px;
            padding: 24px;
            margin-bottom: 32px;
            color: white;
        }

        .balance-card h3 {
            font-size: 14px;
            font-weight: 500;
            opacity: 0.8;
            margin-bottom: 8px;
        }

        .balance-amount {
            font-size: 36px;
            font-weight: 700;
        }

        /* Stats Grid */
        .stats-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 24px;
            margin-bottom: 32px;
        }

        .stat-card {
            background: var(--white);
            border-radius: 20px;
            padding: 20px;
            border: 1px solid var(--gray-200);
            transition: var(--transition);
        }

        .stat-card:hover {
            transform: translateY(-2px);
            box-shadow: var(--shadow-hover);
        }

        .stat-icon {
            width: 48px;
            height: 48px;
            background: rgba(26, 77, 140, 0.1);
            border-radius: 14px;
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 16px;
        }

        .stat-icon i {
            font-size: 24px;
            color: var(--primary-blue);
        }

        .stat-card h3 {
            font-size: 13px;
            font-weight: 500;
            color: var(--gray-600);
            margin-bottom: 8px;
            text-transform: uppercase;
            letter-spacing: 0.5px;
        }

        .stat-value {
            font-size: 28px;
            font-weight: 700;
            color: var(--gray-900);
        }

        /* Payment Form Card */
        .payment-card {
            background: var(--white);
            border-radius: 24px;
            border: 1px solid var(--gray-200);
            padding: 32px;
            margin-bottom: 32px;
        }

        .payment-card h2 {
            font-size: 20px;
            font-weight: 600;
            margin-bottom: 24px;
        }

        .form-group {
            margin-bottom: 20px;
        }

        .form-group label {
            display: block;
            font-size: 14px;
            font-weight: 500;
            color: var(--gray-700);
            margin-bottom: 8px;
        }

        .form-group input,
        .form-group select {
            width: 100%;
            padding: 12px 16px;
            font-size: 14px;
            font-family: 'Inter', sans-serif;
            border: 1.5px solid var(--gray-200);
            border-radius: 12px;
            transition: var(--transition);
            outline: none;
        }

        .form-group input:focus,
        .form-group select:focus {
            border-color: var(--primary-blue);
            box-shadow: 0 0 0 3px rgba(26, 77, 140, 0.1);
        }

        .btn-primary {
            width: 100%;
            padding: 14px;
            background: var(--primary-navy);
            color: white;
            border: none;
            border-radius: 12px;
            font-size: 16px;
            font-weight: 600;
            cursor: pointer;
            transition: var(--transition);
        }

        .btn-primary:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
        }

        /* Table */
        .table-container {
            background: var(--white);
            border-radius: 20px;
            border: 1px solid var(--gray-200);
            overflow-x: auto;
        }

        .data-table {
            width: 100%;
            border-collapse: collapse;
            min-width: 600px;
        }

        .data-table th,
        .data-table td {
            padding: 16px 20px;
            text-align: left;
            border-bottom: 1px solid var(--gray-200);
        }

        .data-table th {
            background: var(--gray-50);
            font-weight: 600;
            font-size: 12px;
            color: var(--gray-700);
            text-transform: uppercase;
            letter-spacing: 0.5px;
        }

        .data-table td {
            font-size: 13px;
        }

        /* Badges */
        .badge {
            display: inline-block;
            padding: 4px 12px;
            border-radius: 20px;
            font-size: 12px;
            font-weight: 500;
        }

        .badge-active {
            background: rgba(46, 125, 50, 0.1);
            color: var(--success-green);
        }

        .badge-overdue {
            background: rgba(220, 53, 69, 0.1);
            color: var(--error-red);
        }

        /* Alerts */
        .alert {
            padding: 14px 16px;
            border-radius: 12px;
            margin-bottom: 20px;
            display: flex;
            align-items: center;
            gap: 12px;
            font-size: 14px;
        }

        .alert-danger {
            background: rgba(220, 53, 69, 0.1);
            border-left: 3px solid var(--error-red);
            color: var(--error-red);
        }

        .alert-success {
            background: rgba(46, 125, 50, 0.1);
            border-left: 3px solid var(--success-green);
            color: var(--success-green);
        }

        /* Hamburger Menu */
        .hamburger {
            display: none;
            background: none;
            border: none;
            font-size: 24px;
            cursor: pointer;
            color: var(--gray-700);
        }

        /* Mobile Responsive */
        @media (max-width: 1024px) {
            .sidebar {
                transform: translateX(-100%);
                z-index: 1000;
            }

            .sidebar.mobile-open {
                transform: translateX(0);
            }

            .main-content {
                margin-left: 0;
            }

            .hamburger {
                display: block;
            }
        }

        @media (max-width: 768px) {
            .content-area {
                padding: 20px;
            }

            .top-header {
                padding: 12px 20px;
            }

            .page-title h1 {
                font-size: 20px;
            }

            .balance-amount {
                font-size: 28px;
            }

            .stats-grid {
                grid-template-columns: 1fr;
                gap: 16px;
            }

            .payment-card {
                padding: 20px;
            }

            .data-table th,
            .data-table td {
                padding: 12px 16px;
            }
        }

        @media (max-width: 480px) {
            .balance-amount {
                font-size: 24px;
            }

            .stat-value {
                font-size: 24px;
            }
        }
    </style>
    <link rel="stylesheet" href="../assets/css/nexus-theme.css">
</head>

<body>
    <div class="dashboard-wrapper">
        <!-- Sidebar Navigation -->
        <aside class="sidebar" id="sidebar">
            <div class="sidebar-header">
                <a href="dashboard.php" class="logo">
                    <div class="logo-icon">
                        <i class="fas fa-building-columns"></i>
                    </div>
                    <span class="logo-text">Oakshire Finance</span>
                </a>
            </div>

            <div class="profile-section">
                <div class="profile-avatar">
                    <?php if ($user['profile_picture']): ?>
                        <img src="<?= $profilePic ?>" alt="Profile Picture">
                    <?php else: ?>
                        <i class="fas fa-user-circle"></i>
                    <?php endif; ?>
                </div>
                <h5><?= htmlspecialchars($user['full_name']) ?></h5>
                <p><?= htmlspecialchars($user['account_number']) ?></p>
            </div>

            <nav class="nav-menu">
                <div class="nav-item">
                    <a href="dashboard.php" class="nav-link">
                        <i class="fas fa-chart-line"></i>
                        <span>Dashboard</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="deposit.php" class="nav-link">
                        <i class="fas fa-arrow-down"></i>
                        <span>Deposit</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="withdraw.php" class="nav-link">
                        <i class="fas fa-arrow-up"></i>
                        <span>Withdraw</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="transfer.php" class="nav-link">
                        <i class="fas fa-exchange-alt"></i>
                        <span>Transfer</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="transactions.php" class="nav-link">
                        <i class="fas fa-receipt"></i>
                        <span>Transactions</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="investment.php" class="nav-link">
                        <i class="fas fa-chart-pie"></i>
                        <span>Investment</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="loan.php" class="nav-link">
                        <i class="fas fa-hand-holding-usd"></i>
                        <span>Loans</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="loan-payment.php" class="nav-link active">
                        <i class="fas fa-credit-card"></i>
                        <span>Pay Loan</span>
                    </a>
                </div>
                <div class="nav-item">
                    <a href="profile.php" class="nav-link">
                        <i class="fas fa-user-circle"></i>
                        <span>Settings</span>
                    </a>
                </div>
            </nav>

            <div class="logout-section">
                <a href="../logout.php" class="logout-btn">
                    <i class="fas fa-sign-out-alt"></i>
                    <span>Logout</span>
                </a>
            </div>
        </aside>

        <!-- Main Content -->
        <main class="main-content">
            <!-- Top Header -->
            <header class="top-header">
                <button class="hamburger" id="hamburger">
                    <i class="fas fa-bars"></i>
                </button>
                <div class="page-title">
                    <h1>Loan Payment</h1>
                </div>
                <div class="user-menu">
                    <button class="notification-btn">
                        <i class="fas fa-bell"></i>
                    </button>
                </div>
            </header>

            <!-- Content Area -->
            <div class="content-area">
                <!-- Balance Card -->
                <div class="balance-card">
                    <h3>Available Balance</h3>
                    <div class="balance-amount">$<?= number_format($balance, 2) ?></div>
                </div>

                <!-- Stats Grid -->
                <div class="stats-grid">
                    <div class="stat-card">
                        <div class="stat-icon">
                            <i class="fas fa-chart-line"></i>
                        </div>
                        <h3>Total Due</h3>
                        <div class="stat-value">$<?= number_format($totalDue, 2) ?></div>
                    </div>
                    <div class="stat-card">
                        <div class="stat-icon">
                            <i class="fas fa-exclamation-triangle"></i>
                        </div>
                        <h3>Total Penalty</h3>
                        <div class="stat-value">$<?= number_format($totalPenalty, 2) ?></div>
                    </div>
                    <div class="stat-card">
                        <div class="stat-icon">
                            <i class="fas fa-clock"></i>
                        </div>
                        <h3>Overdue Loans</h3>
                        <div class="stat-value"><?= number_format($overdueCount) ?></div>
                    </div>
                    <div class="stat-card">
                        <div class="stat-icon">
                            <i class="fas fa-hand-holding-usd"></i>
                        </div>
                        <h3>Active Loans</h3>
                        <div class="stat-value"><?= number_format(count($loans)) ?></div>
                    </div>
                </div>

                <!-- Payment Form -->
                <div class="payment-card">
                    <h2><i class="fas fa-credit-card"></i> Make a Loan Payment</h2>

                    <?php if ($error): ?>
                        <div class="alert alert-danger">
                            <i class="fas fa-exclamation-circle"></i>
                            <span><?= $error ?></span>
                        </div>
                    <?php endif; ?>

                    <?php if (isset($_SESSION['success_message'])): ?>
                        <div class="alert alert-success">
                            <i class="fas fa-check-circle"></i>
                            <span><?= $_SESSION['success_message'] ?></span>
                        </div>
                        <?php unset($_SESSION['success_message']); ?>
                    <?php endif; ?>

                    <form method="POST">
                        <input type="hidden" name="token" value="<?= htmlspecialchars($token) ?>">

                        <div class="form-group">
                            <label for="loan_id">Select Loan ID</label>
                            <select name="loan_id" id="loan_id" required>
                                <option value="">-- Select a loan --</option>
                                <?php foreach ($loans as $loan): ?>
                                    <option value="<?= $loan['loan_id'] ?>"
                                        data-total="<?= $loan['total_due'] + $loan['penalty_amount'] ?>"
                                        data-due="<?= $loan['total_due'] ?>" data-penalty="<?= $loan['penalty_amount'] ?>">
                                        Loan #<?= $loan['loan_id'] ?> -
                                        $<?= number_format($loan['total_due'] + $loan['penalty_amount'], 2) ?> due
                                    </option>
                                <?php endforeach; ?>
                            </select>
                        </div>

                        <div class="form-group">
                            <label for="payment_amount">Payment Amount ($)</label>
                            <input type="number" name="payment_amount" id="payment_amount" step="0.01" min="0.01"
                                required>
                            <small style="display: block; margin-top: 4px; color: var(--gray-500);"
                                id="amount_hint"></small>
                        </div>

                        <button type="submit" class="btn-primary">
                            <i class="fas fa-paper-plane"></i> Submit Payment
                        </button>
                    </form>
                </div>

                <!-- Active Loans Table -->
                <div class="payment-card" style="padding: 0; overflow: hidden;">
                    <div style="padding: 20px 24px; border-bottom: 1px solid var(--gray-200);">
                        <h2><i class="fas fa-list"></i> Your Active Loans</h2>
                    </div>
                    <div class="table-container" style="margin: 0; border-radius: 0;">
                        <?php if (empty($loans)): ?>
                            <div style="text-align: center; padding: 48px; color: var(--gray-500);">
                                <i class="fas fa-hand-holding-usd"
                                    style="font-size: 48px; margin-bottom: 16px; opacity: 0.5;"></i>
                                <p>You have no active loans.</p>
                            </div>
                        <?php else: ?>
                            <table class="data-table">
                                <thead>
                                    <tr>
                                        <th>Loan ID</th>
                                        <th>Principal</th>
                                        <th>Penalty</th>
                                        <th>Total Due</th>
                                        <th>Interest</th>
                                        <th>Term</th>
                                        <th>Status</th>
                                        <th>Created</th>
                                </thead>
                                <tbody>
                                    <?php foreach ($loans as $loan):
                                        $currentDate = new DateTime();
                                        $approvedDate = new DateTime($loan['approved_at']);
                                        $termEndDate = clone $approvedDate;
                                        $termEndDate->modify('+' . $loan['term_months'] . ' months');
                                        $isOverdue = $currentDate > $termEndDate;
                                        $totalWithPenalty = $loan['total_due'] + $loan['penalty_amount'];
                                        ?>
                                        <tr>
                                            <td><code>#<?= $loan['loan_id'] ?></code></td>
                                            <td>$<?= number_format($loan['amount'], 2) ?></td>
                                            <td class="<?= $loan['penalty_amount'] > 0 ? 'badge-overdue' : '' ?>">
                                                $<?= number_format($loan['penalty_amount'], 2) ?>
                                            </td>
                                            <td><strong>$<?= number_format($totalWithPenalty, 2) ?></strong></td>
                                            <td><?= $loan['interest_rate'] ?>%</td>
                                            <td><?= $loan['term_months'] ?> months</td>
                                            <td>
                                                <span class="badge <?= $isOverdue ? 'badge-overdue' : 'badge-active' ?>">
                                                    <?= $isOverdue ? 'Overdue' : 'Active' ?>
                                                </span>
                                            </td>
                                            <td><?= date('M j, Y', strtotime($loan['created_at'])) ?></td>
                                        </tr>
                                    <?php endforeach; ?>
                                </tbody>
                            </table>
                        <?php endif; ?>
                    </div>
                </div>
            </div>
        </main>
    </div>

    <script>
        // Mobile sidebar toggle
        const hamburger = document.getElementById('hamburger');
        const sidebar = document.getElementById('sidebar');

        if (hamburger) {
            hamburger.addEventListener('click', function () {
                sidebar.classList.toggle('mobile-open');
            });
        }

        // Close sidebar when clicking outside on mobile
        document.addEventListener('click', function (event) {
            if (window.innerWidth <= 1024) {
                const isClickInside = sidebar.contains(event.target) || hamburger.contains(event.target);
                if (!isClickInside && sidebar.classList.contains('mobile-open')) {
                    sidebar.classList.remove('mobile-open');
                }
            }
        });

        // Update amount hint when loan is selected
        const loanSelect = document.getElementById('loan_id');
        const amountInput = document.getElementById('payment_amount');
        const amountHint = document.getElementById('amount_hint');

        if (loanSelect && amountInput && amountHint) {
            loanSelect.addEventListener('change', function () {
                const selectedOption = this.options[this.selectedIndex];
                const totalDue = parseFloat(selectedOption.getAttribute('data-total') || 0);
                const principalDue = parseFloat(selectedOption.getAttribute('data-due') || 0);
                const penalty = parseFloat(selectedOption.getAttribute('data-penalty') || 0);

                if (totalDue > 0) {
                    amountHint.innerHTML = `Total due: $${totalDue.toLocaleString()} (Principal: $${principalDue.toLocaleString()}, Penalty: $${penalty.toLocaleString()})`;
                    amountInput.max = totalDue;
                    amountInput.placeholder = `Enter amount (max $${totalDue.toLocaleString()})`;
                } else {
                    amountHint.innerHTML = '';
                    amountInput.max = '';
                }
            });
        }

        // Auto-dismiss alerts after 5 seconds
        const alerts = document.querySelectorAll('.alert');
        alerts.forEach(alert => {
            setTimeout(() => {
                alert.style.transition = 'opacity 0.3s ease';
                alert.style.opacity = '0';
                setTimeout(() => alert.remove(), 300);
            }, 5000);
        });
    </script>
</body>

</html>