import policy from "./insurance-rate-policy.json";

/**
 * How the insurance rate figures are treated — client note 2026-10-08: every rate on
 * the "Vehicle Monthly Insurance" sheet is INCL VAT.
 *
 * This lives apart from `lib/insurance.ts` on purpose. The seed script imports that
 * module directly, and bare Node cannot import JSON without an import attribute, so a
 * JSON import in there breaks `npm run seed`. The flag is app-side presentation only
 * — the amount booked is the incl-VAT figure either way, because it is the cash cost.
 */
export const RATES_INCLUDE_VAT: boolean = policy.ratesIncludeVat;

/**
 * Suffix for a premium figure. Every rand printed from a rate carries it, because the
 * same numbers sit beside an "Excl VAT" column on /overheads, and a reader who assumes
 * the wrong basis will misread a comparison between the two screens.
 */
export const VAT_NOTE = RATES_INCLUDE_VAT ? "incl VAT" : "excl VAT";