// components/OnboardingWizard.tsx
// Client-side 4-step intake wizard that posts to /api/onboarding/submit.
// Stepper pattern: Company → Directors → Shareholders → Review.
// All state persists to localStorage on every change so a client can
// close the tab and resume — the reference_no + access_token combine
// to scope the draft to this submission only.

"use client";

import { useEffect, useMemo, useState } from "react";
import type {
  OnboardingCompany,
  OnboardingDirector,
  OnboardingShareholder,
  OnboardingSubmissionPayload
} from "@/lib/types";
import VoiceField from "@/components/VoiceField";

interface Props {
  /** Public token from the URL — server already validated the lookup. */
  accessToken: string;
}

interface UploadedDoc {
  /** Client-side key, not a PB id. */
  ui_key: string;
  /** Director ui_key this doc belongs to. */
  directorKey: string;
  /** "id" or "proof_of_residence" — drives filename labelling. */
  kind: "id" | "proof_of_residence";
  file: File;
}

const STEPS = [
  { id: "company", label: "Company" },
  { id: "directors", label: "Directors" },
  { id: "shareholders", label: "Shareholders" },
  { id: "review", label: "Review" }
] as const;

type StepId = (typeof STEPS)[number]["id"];

const EMPTY_COMPANY: OnboardingCompany = {
  proposed_names: ["", "", ""],
  financial_year_end_month: 2,
  authorised_shares: "1000",
  physical_address: "",
  physical_address_line_1: "",
  physical_address_line_2: "",
  physical_town_city: "",
  physical_province: "",
  physical_postal_code: "",
  postal_address: "",
  postal_address_line_1: "",
  postal_address_line_2: "",
  postal_town_city: "",
  postal_province: "",
  postal_postal_code: "",
  company_cell_phone: "",
  company_email: "",
  public_officer_name: "",
  company_secretary_name: ""
};

function blankDirector(): OnboardingDirector {
  return {
    ui_key: crypto.randomUUID(),
    first_names: "",
    surname: "",
    id_no: "",
    date_of_birth: "",
    residential_address: "",
    residential_address_line_1: "",
    residential_address_line_2: "",
    residential_town_city: "",
    residential_province: "",
    residential_postal_code: "",
    postal_address: "",
    postal_address_line_1: "",
    postal_address_line_2: "",
    postal_town_city: "",
    postal_province: "",
    postal_postal_code: "",
    cell_phone: "",
    email: ""
  };
}

function blankShareholder(): OnboardingShareholder {
  return {
    ui_key: crypto.randomUUID(),
    kind: "person",
    name: "",
    id_or_company_no: "",
    share_percent: 0
  };
}

interface DraftState {
  client_name: string;
  client_email: string;
  client_telephone: string;
  client_notes: string;
  company: OnboardingCompany;
  directors: OnboardingDirector[];
  shareholders: OnboardingShareholder[];
}

const EMPTY_DRAFT: DraftState = {
  client_name: "",
  client_email: "",
  client_telephone: "",
  client_notes: "",
  company: EMPTY_COMPANY,
  directors: [blankDirector()],
  shareholders: [blankShareholder()]
};

const MONTH_NAMES = [
  "January", "February", "March", "April", "May", "June",
  "July", "August", "September", "October", "November", "December"
];

const SA_ID_REGEX = /^\d{13}$/;

function validateIdNo(value: string): string | null {
  if (!value) return "ID number is required.";
  if (!SA_ID_REGEX.test(value)) {
    return "ID number must be exactly 13 digits.";
  }
  // Luhn check on SA ID numbers
  const digits = value.split("").map(Number);
  let sum = 0;
  for (let i = 0; i < 12; i++) {
    if (i % 2 === 0) {
      const doubled = digits[i] * 2;
      sum += doubled > 9 ? doubled - 9 : doubled;
    } else {
      sum += digits[i];
    }
  }
  const checkDigit = (10 - (sum % 10)) % 10;
  if (checkDigit !== digits[12]) {
    return "ID number fails checksum — please double-check.";
  }
  return null;
}

function validateEmail(value: string): string | null {
  if (!value) return "Email is required.";
  if (!/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(value)) {
    return "Enter a valid email address.";
  }
  return null;
}

function validateCellPhone(value: string): string | null {
  if (!value) return null; // optional
  if (!/^[0-9 +()\-]{0,30}$/.test(value)) {
    return "Use digits, spaces, +, (, ), - only.";
  }
  return null;
}

function validateDirector(d: OnboardingDirector): string[] {
  const errs: string[] = [];
  if (!d.first_names.trim()) errs.push("First names required");
  if (!d.surname.trim()) errs.push("Surname required");
  const idErr = validateIdNo(d.id_no);
  if (idErr) errs.push(idErr);
  if (!d.date_of_birth) errs.push("Date of birth required");
  if (!d.residential_address_line_1.trim()) errs.push("Residential address line 1 required");
  if (!d.residential_town_city.trim()) errs.push("Residential town/city required");
  if (!d.residential_province.trim()) errs.push("Residential province required");
  if (!d.residential_postal_code.trim()) errs.push("Residential postal code required");
  if (!d.postal_address_line_1.trim()) errs.push("Postal address line 1 required");
  if (!d.postal_town_city.trim()) errs.push("Postal town/city required");
  if (!d.postal_province.trim()) errs.push("Postal province required");
  if (!d.postal_postal_code.trim()) errs.push("Postal postal code required");
  if (!d.cell_phone.trim()) errs.push("Cell phone required");
  const emailErr = validateEmail(d.email);
  if (emailErr) errs.push(emailErr);
  return errs;
}

function validateShareholder(s: OnboardingShareholder): string[] {
  const errs: string[] = [];
  if (!s.name.trim()) errs.push("Name required");
  if (!s.id_or_company_no.trim()) {
    errs.push(s.kind === "person" ? "ID number required" : "Company number required");
  }
  if (s.share_percent <= 0 || s.share_percent > 100) {
    errs.push("Share % must be between 0 and 100");
  }
  return errs;
}

function validateCompany(c: OnboardingCompany): string[] {
  const errs: string[] = [];
  if (!c.proposed_names[0].trim()) errs.push("At least one proposed name required");
  if (c.financial_year_end_month < 1 || c.financial_year_end_month > 12) {
    errs.push("Financial year end must be a month");
  }
  if (!c.physical_address_line_1.trim()) errs.push("Physical address line 1 required");
  if (!c.physical_town_city.trim()) errs.push("Physical town/city required");
  if (!c.physical_province.trim()) errs.push("Physical province required");
  if (!c.physical_postal_code.trim()) errs.push("Physical postal code required");
  if (!c.postal_address_line_1.trim()) errs.push("Postal address line 1 required");
  if (!c.postal_town_city.trim()) errs.push("Postal town/city required");
  if (!c.postal_province.trim()) errs.push("Postal province required");
  if (!c.postal_postal_code.trim()) errs.push("Postal postal code required");
  if (!c.company_cell_phone.trim()) errs.push("Company cell phone required");
  const emailErr = validateEmail(c.company_email);
  if (emailErr) errs.push(emailErr);
  if (!c.public_officer_name.trim()) errs.push("Public officer name required");
  if (!c.company_secretary_name.trim()) errs.push("Company secretary name required");
  return errs;
}

export default function OnboardingWizard({ accessToken }: Props) {
  const draftKey = useMemo(
    () => `onboard-draft:${accessToken.slice(0, 12)}`,
    [accessToken],
  );

  const [step, setStep] = useState<StepId>("company");
  const [draft, setDraft] = useState<DraftState>(EMPTY_DRAFT);
  const [docs, setDocs] = useState<UploadedDoc[]>([]);
  const [hydrated, setHydrated] = useState(false);
  const [submitting, setSubmitting] = useState(false);
  const [submittedRef, setSubmittedRef] = useState<string | null>(null);
  const [submitError, setSubmitError] = useState<string | null>(null);

  // Hydrate from localStorage on mount.
  useEffect(() => {
    try {
      const raw = localStorage.getItem(draftKey);
      if (raw) {
        const parsed = JSON.parse(raw) as DraftState;
        // Ensure at least one director / shareholder row exists.
        if (!parsed.directors?.length) parsed.directors = [blankDirector()];
        if (!parsed.shareholders?.length) parsed.shareholders = [blankShareholder()];
        setDraft(parsed);
      }
    } catch {
      // Ignore corrupt drafts.
    }
    setHydrated(true);
  }, [draftKey]);

  // Persist draft on every change (after hydration).
  useEffect(() => {
    if (!hydrated) return;
    try {
      localStorage.setItem(draftKey, JSON.stringify(draft));
    } catch {
      // Quota or private-mode — best effort.
    }
  }, [draft, draftKey, hydrated]);

  const updateCompany = (patch: Partial<OnboardingCompany>) => {
    setDraft((d) => ({ ...d, company: { ...d.company, ...patch } }));
  };

  const updateProposedName = (idx: 0 | 1 | 2, value: string) => {
    setDraft((d) => {
      const next: [string, string, string] = [...d.company.proposed_names];
      next[idx] = value;
      return { ...d, company: { ...d.company, proposed_names: next } };
    });
  };

  const updateDirector = (key: string, patch: Partial<OnboardingDirector>) => {
    setDraft((d) => ({
      ...d,
      directors: d.directors.map((dir) =>
        dir.ui_key === key ? { ...dir, ...patch } : dir,
      ),
    }));
  };

  const addDirector = () => {
    setDraft((d) => ({ ...d, directors: [...d.directors, blankDirector()] }));
  };

  const removeDirector = (key: string) => {
    setDraft((d) => ({
      ...d,
      directors: d.directors.length > 1
        ? d.directors.filter((dir) => dir.ui_key !== key)
        : d.directors,
    }));
    setDocs((ds) => ds.filter((doc) => doc.directorKey !== key));
  };

  const updateShareholder = (key: string, patch: Partial<OnboardingShareholder>) => {
    setDraft((d) => ({
      ...d,
      shareholders: d.shareholders.map((s) =>
        s.ui_key === key ? { ...s, ...patch } : s,
      ),
    }));
  };

  const addShareholder = () => {
    setDraft((d) => ({ ...d, shareholders: [...d.shareholders, blankShareholder()] }));
  };

  const removeShareholder = (key: string) => {
    setDraft((d) => ({
      ...d,
      shareholders: d.shareholders.length > 1
        ? d.shareholders.filter((s) => s.ui_key !== key)
        : d.shareholders,
    }));
  };

  const addDoc = (directorKey: string, kind: UploadedDoc["kind"], file: File) => {
    setDocs((ds) => [
      ...ds,
      { ui_key: crypto.randomUUID(), directorKey, kind, file },
    ]);
  };

  const removeDoc = (uiKey: string) => {
    setDocs((ds) => ds.filter((d) => d.ui_key !== uiKey));
  };

  const totalShares = draft.shareholders.reduce(
    (sum, s) => sum + (Number.isFinite(s.share_percent) ? s.share_percent : 0),
    0,
  );

  const companyErrs = validateCompany(draft.company);
  const directorErrMap = useMemo(() => {
    const m: Record<string, string[]> = {};
    for (const dir of draft.directors) {
      m[dir.ui_key] = validateDirector(dir);
    }
    return m;
  }, [draft.directors]);
  const shareholderErrMap = useMemo(() => {
    const m: Record<string, string[]> = {};
    for (const s of draft.shareholders) {
      m[s.ui_key] = validateShareholder(s);
    }
    return m;
  }, [draft.shareholders]);

  const allDirectorErrs = Object.values(directorErrMap).flat();
  const allShareholderErrs = Object.values(shareholderErrMap).flat();
  const canSubmitCompany = companyErrs.length === 0;
  const canSubmitDirectors = allDirectorErrs.length === 0;
  const canSubmitShareholders =
    allShareholderErrs.length === 0 && Math.abs(totalShares - 100) < 0.01;

  const goNext = () => {
    if (step === "company") setStep("directors");
    else if (step === "directors") setStep("shareholders");
    else if (step === "shareholders") setStep("review");
  };

  const goPrev = () => {
    if (step === "review") setStep("shareholders");
    else if (step === "shareholders") setStep("directors");
    else if (step === "directors") setStep("company");
  };

  const submit = async () => {
    setSubmitting(true);
    setSubmitError(null);
    try {
      const payload: OnboardingSubmissionPayload = {
        client_name: draft.client_name.trim(),
        client_email: draft.client_email.trim(),
        client_telephone: draft.client_telephone.trim(),
        client_notes: draft.client_notes.trim(),
        company: draft.company,
        directors: draft.directors.map(({ ui_key: _k, ...rest }) => rest),
        shareholders: draft.shareholders.map(({ ui_key: _k, ...rest }) => rest),
      };

      const form = new FormData();
      form.set("access_token", accessToken);
      form.set("payload", JSON.stringify(payload));
      for (const doc of docs) {
        form.append("documents", doc.file, `${doc.kind}__${doc.directorKey.slice(0, 8)}__${doc.file.name}`);
      }

      const res = await fetch("/api/onboarding/submit", {
        method: "POST",
        body: form,
      });
      if (!res.ok) {
        const body = await res.json().catch(() => ({ error: "Unknown error" }));
        throw new Error(body.error ?? `Submission failed (${res.status})`);
      }
      const json = (await res.json()) as { reference_no: string };
      // Wipe draft on success.
      try {
        localStorage.removeItem(draftKey);
      } catch {
        // Best effort.
      }
      setSubmittedRef(json.reference_no);
    } catch (err) {
      const message = err instanceof Error ? err.message : "Submission failed";
      setSubmitError(message);
    } finally {
      setSubmitting(false);
    }
  };

  if (submittedRef) {
    return <SubmittedSuccess referenceNo={submittedRef} />;
  }

  return (
    <div className="space-y-8" data-od-id="onboarding-wizard">
      <Stepper step={step} />

      {step === "company" && (
        <CompanyStep
          clientName={draft.client_name}
          clientEmail={draft.client_email}
          clientTelephone={draft.client_telephone}
          clientNotes={draft.client_notes}
          company={draft.company}
          errors={companyErrs}
          onClientName={(v) => setDraft((d) => ({ ...d, client_name: v }))}
          onClientEmail={(v) => setDraft((d) => ({ ...d, client_email: v }))}
          onClientTelephone={(v) => setDraft((d) => ({ ...d, client_telephone: v }))}
          onClientNotes={(v) => setDraft((d) => ({ ...d, client_notes: v }))}
          onCompanyChange={updateCompany}
          onProposedName={updateProposedName}
        />
      )}

      {step === "directors" && (
        <DirectorsStep
          directors={draft.directors}
          errorsByKey={directorErrMap}
          docs={docs}
          onUpdate={updateDirector}
          onAdd={addDirector}
          onRemove={removeDirector}
          onAddDoc={addDoc}
          onRemoveDoc={removeDoc}
        />
      )}

      {step === "shareholders" && (
        <ShareholdersStep
          shareholders={draft.shareholders}
          errorsByKey={shareholderErrMap}
          totalShares={totalShares}
          onUpdate={updateShareholder}
          onAdd={addShareholder}
          onRemove={removeShareholder}
        />
      )}

      {step === "review" && (
        <ReviewStep
          clientName={draft.client_name}
          clientEmail={draft.client_email}
          clientTelephone={draft.client_telephone}
          company={draft.company}
          directors={draft.directors}
          shareholders={draft.shareholders}
      docs={docs}
          totalShares={totalShares}
        />
      )}

      <Nav
        step={step}
        canProceed={
          (step === "company" && canSubmitCompany) ||
          (step === "directors" && canSubmitDirectors) ||
          (step === "shareholders" && canSubmitShareholders) ||
          step === "review"
        }
        submitting={submitting}
        submitError={submitError}
        onPrev={goPrev}
        onNext={goNext}
        onSubmit={submit}
      />
    </div>
  );
}

// ── Sub-components ───────────────────────────────────────────────────────

function Stepper({ step }: { step: StepId }) {
  const currentIdx = STEPS.findIndex((s) => s.id === step);
  return (
    <ol className="flex items-center gap-2 sm:gap-4 overflow-x-auto pb-2" data-od-id="wizard-stepper">
      {STEPS.map((s, idx) => {
        const isActive = s.id === step;
        const isDone = idx < currentIdx;
        return (
          <li
            key={s.id}
            className={
              "flex items-center gap-2 px-3 py-1.5 rounded-pill text-sm font-semibold whitespace-nowrap " +
              (isActive
                ? "bg-surface-warm text-fg"
                : isDone
                ? "text-fg"
                : "text-muted")
            }
          >
            <span
              className={
                "inline-flex items-center justify-center w-5 h-5 rounded-pill text-xs font-bold " +
                (isDone
                  ? "bg-accent text-accent-on"
                  : isActive
                  ? "bg-fg text-surface"
                  : "bg-surface-warm text-muted")
              }
            >
              {isDone ? "✓" : idx + 1}
            </span>
            <span>{s.label}</span>
          </li>
        );
      })}
    </ol>
  );
}

function Field({
  label,
  hint,
  error,
  required,
  children
}: {
  label: string;
  hint?: string;
  error?: string | null;
  required?: boolean;
  children: React.ReactNode;
}) {
  return (
    <label className="flex flex-col gap-1.5">
      <span className="text-sm font-semibold text-fg">
        {label}
        {required ? <span className="text-danger ml-1">*</span> : null}
      </span>
      {children}
      {hint && !error ? (
        <span className="text-xs text-muted">{hint}</span>
      ) : null}
      {error ? (
        <span className="text-xs text-danger font-medium">{error}</span>
      ) : null}
    </label>
  );
}

const INPUT_CLS =
  "block w-full px-3 py-2.5 bg-surface border border-border rounded-md text-base text-fg placeholder:text-meta focus:border-fg focus:outline-none focus:ring-2 focus:ring-fg/20 transition-colors";

function CompanyStep({
  clientName,
  clientEmail,
  clientTelephone,
  clientNotes,
  company,
  errors,
  onClientName,
  onClientEmail,
  onClientTelephone,
  onClientNotes,
  onCompanyChange,
  onProposedName
}: {
  clientName: string;
  clientEmail: string;
  clientTelephone: string;
  clientNotes: string;
  company: OnboardingCompany;
  errors: string[];
  onClientName: (v: string) => void;
  onClientEmail: (v: string) => void;
  onClientTelephone: (v: string) => void;
  onClientNotes: (v: string) => void;
  onCompanyChange: (patch: Partial<OnboardingCompany>) => void;
  onProposedName: (idx: 0 | 1 | 2, value: string) => void;
}) {
  return (
    <section className="space-y-8" data-od-id="step-company">
      <header>
        <h2 className="text-xl font-bold text-fg">Client & company details</h2>
        <p className="text-sm text-muted mt-1">
          This is the primary contact for the submission and the new
          company&apos;s setup information.
        </p>
      </header>

      <div className="space-y-5">
        <h3 className="text-sm font-semibold text-fg uppercase tracking-wider">Primary contact</h3>
        <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
          <Field label="Full name" required>
            <input
              type="text"
              className={INPUT_CLS}
              value={clientName}
              onChange={(e) => onClientName(e.target.value)}
              placeholder="Jane Citizen"
              required
            />
          </Field>
          <Field label="Email" required>
            <input
              type="email"
              className={INPUT_CLS}
              value={clientEmail}
              onChange={(e) => onClientEmail(e.target.value)}
              placeholder="jane@example.co.za"
              required
            />
          </Field>
          <Field label="Telephone" hint="Optional">
            <input
              type="tel"
              className={INPUT_CLS}
              value={clientTelephone}
              onChange={(e) => onClientTelephone(e.target.value)}
              placeholder="+27 81 234 5678"
            />
          </Field>
        </div>

        <VoiceField
          id="client_notes"
          label="Anything else? (voice-friendly)"
          hint="Tap the mic to dictate, or the speaker to hear it read back."
          value={clientNotes}
          onChange={onClientNotes}
          placeholder="e.g. preferred effective date, special share classes, contact-by-phone only, …"
          rows={3}
        />
      </div>

      <div className="space-y-5">
        <h3 className="text-sm font-semibold text-fg uppercase tracking-wider">Company details</h3>
        <div className="space-y-4">
          <Field
            label="Proposed company names (in priority order)"
            hint="Provide up to three names. CIPC will approve the first available name."
            required
          >
            <div className="space-y-2">
              <input
                type="text"
                className={INPUT_CLS}
                value={company.proposed_names[0]}
                onChange={(e) => onProposedName(0, e.target.value)}
                placeholder="1. Acme Trading (Pty) Ltd"
                required
              />
              <input
                type="text"
                className={INPUT_CLS}
                value={company.proposed_names[1]}
                onChange={(e) => onProposedName(1, e.target.value)}
                placeholder="2. Acme Trading SA (Pty) Ltd (optional)"
              />
              <input
                type="text"
                className={INPUT_CLS}
                value={company.proposed_names[2]}
                onChange={(e) => onProposedName(2, e.target.value)}
                placeholder="3. Acme Holdings (Pty) Ltd (optional)"
              />
            </div>
          </Field>

          <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
            <Field label="Financial year end" required>
              <select
                className={INPUT_CLS}
                value={company.financial_year_end_month}
                onChange={(e) => onCompanyChange({ financial_year_end_month: Number(e.target.value) })}
              >
                {MONTH_NAMES.map((name, idx) => (
                  <option key={idx + 1} value={idx + 1}>{name}</option>
                ))}
              </select>
            </Field>
            <Field label="Authorised shares" required>
              <select
                className={INPUT_CLS}
                value={company.authorised_shares}
                onChange={(e) => onCompanyChange({ authorised_shares: e.target.value as "100" | "1000" })}
              >
                <option value="100">100 shares</option>
                <option value="1000">1 000 shares</option>
              </select>
            </Field>
          </div>

          <div className="space-y-1">
            <p className="text-xs font-semibold text-muted uppercase tracking-wider">Trading / physical address</p>
            <Field label="Address line 1" required>
              <input className={INPUT_CLS} value={company.physical_address_line_1}
                onChange={(e) => onCompanyChange({ physical_address_line_1: e.target.value })}
                placeholder="Unit 12, 55 Long Street" required />
            </Field>
            <Field label="Address line 2">
              <input className={INPUT_CLS} value={company.physical_address_line_2}
                onChange={(e) => onCompanyChange({ physical_address_line_2: e.target.value })}
                placeholder="Sea Point" />
            </Field>
            <div className="grid grid-cols-2 gap-3">
              <Field label="Town / City" required>
                <input className={INPUT_CLS} value={company.physical_town_city}
                  onChange={(e) => onCompanyChange({ physical_town_city: e.target.value })}
                  placeholder="Cape Town" required />
              </Field>
              <Field label="Province" required>
                <select className={INPUT_CLS} value={company.physical_province}
                  onChange={(e) => onCompanyChange({ physical_province: e.target.value })} required>
                  <option value="">Select province</option>
                  {["Eastern Cape","Free State","Gauteng","KwaZulu-Natal","Limpopo","Mpumalanga","Northern Cape","North West","Western Cape"].map(p => (
                    <option key={p} value={p}>{p}</option>
                  ))}
                </select>
              </Field>
            </div>
            <Field label="Postal code" required>
              <input className={INPUT_CLS} value={company.physical_postal_code}
                onChange={(e) => onCompanyChange({ physical_postal_code: e.target.value })}
                placeholder="8001" required />
            </Field>
          </div>

          <div className="space-y-1">
            <p className="text-xs font-semibold text-muted uppercase tracking-wider">Postal address</p>
            <Field label="Address line 1">
              <input className={INPUT_CLS} value={company.postal_address_line_1}
                onChange={(e) => onCompanyChange({ postal_address_line_1: e.target.value })}
                placeholder="PO Box 1234" />
            </Field>
            <Field label="Address line 2">
              <input className={INPUT_CLS} value={company.postal_address_line_2}
                onChange={(e) => onCompanyChange({ postal_address_line_2: e.target.value })}
                placeholder="Cape Town" />
            </Field>
            <div className="grid grid-cols-2 gap-3">
              <Field label="Town / City">
                <input className={INPUT_CLS} value={company.postal_town_city}
                  onChange={(e) => onCompanyChange({ postal_town_city: e.target.value })}
                  placeholder="Cape Town" />
              </Field>
              <Field label="Province">
                <select className={INPUT_CLS} value={company.postal_province}
                  onChange={(e) => onCompanyChange({ postal_province: e.target.value })}>
                  <option value="">Select province</option>
                  {["Eastern Cape","Free State","Gauteng","KwaZulu-Natal","Limpopo","Mpumalanga","Northern Cape","North West","Western Cape"].map(p => (
                    <option key={p} value={p}>{p}</option>
                  ))}
                </select>
              </Field>
            </div>
            <Field label="Postal code">
              <input className={INPUT_CLS} value={company.postal_postal_code}
                onChange={(e) => onCompanyChange({ postal_postal_code: e.target.value })}
                placeholder="8000" />
            </Field>
          </div>

          <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
            <Field label="Company cell phone" required>
              <input
                type="tel"
                className={INPUT_CLS}
                value={company.company_cell_phone}
                onChange={(e) => onCompanyChange({ company_cell_phone: e.target.value })}
                placeholder="+27 81 234 5678"
                required
              />
            </Field>
            <Field label="Company email" required>
              <input
                type="email"
                className={INPUT_CLS}
                value={company.company_email}
                onChange={(e) => onCompanyChange({ company_email: e.target.value })}
                placeholder="info@acme.example.co.za"
                required
              />
            </Field>
            <Field label="Public officer (name)" required>
              <input
                type="text"
                className={INPUT_CLS}
                value={company.public_officer_name}
                onChange={(e) => onCompanyChange({ public_officer_name: e.target.value })}
                placeholder="Jane Citizen"
                required
              />
            </Field>
            <Field label="Company secretary (name)" required>
              <input
                type="text"
                className={INPUT_CLS}
                value={company.company_secretary_name}
                onChange={(e) => onCompanyChange({ company_secretary_name: e.target.value })}
                placeholder="John Smith"
                required
              />
            </Field>
          </div>
        </div>
      </div>

      {errors.length > 0 ? (
        <div className="bg-[color-mix(in_oklch,var(--danger)_8%,white)] border border-[color:var(--danger)]/30 rounded-md p-4">
          <p className="text-sm font-semibold text-danger mb-2">Fix the following before continuing:</p>
          <ul className="text-sm text-danger space-y-1 list-disc pl-5">
            {errors.map((e) => <li key={e}>{e}</li>)}
          </ul>
        </div>
      ) : null}
    </section>
  );
}

function DirectorsStep({
  directors,
  errorsByKey,
  docs,
  onUpdate,
  onAdd,
  onRemove,
  onAddDoc,
  onRemoveDoc
}: {
  directors: OnboardingDirector[];
  errorsByKey: Record<string, string[]>;
  docs: UploadedDoc[];
  onUpdate: (key: string, patch: Partial<OnboardingDirector>) => void;
  onAdd: () => void;
  onRemove: (key: string) => void;
  onAddDoc: (directorKey: string, kind: UploadedDoc["kind"], file: File) => void;
  onRemoveDoc: (uiKey: string) => void;
}) {
  return (
    <section className="space-y-8" data-od-id="step-directors">
      <header>
        <h2 className="text-xl font-bold text-fg">Director information</h2>
        <p className="text-sm text-muted mt-1">
          Each director needs their ID number, contact details, and copies
          of their ID document plus proof of residence.
        </p>
      </header>

      <div className="space-y-6">
        {directors.map((dir, idx) => {
          const errs = errorsByKey[dir.ui_key] ?? [];
          return (
            <div
              key={dir.ui_key}
              className="bg-surface border border-border rounded-lg p-5 sm:p-6 space-y-5"
            >
              <div className="flex items-center justify-between gap-3">
                <h3 className="text-base font-bold text-fg">Director {idx + 1}</h3>
                {directors.length > 1 ? (
                  <button
                    type="button"
                    onClick={() => onRemove(dir.ui_key)}
                    className="text-xs font-semibold text-muted hover:text-danger px-2 py-1 rounded transition-colors"
                  >
                    Remove
                  </button>
                ) : null}
              </div>

              <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
                <Field label="First names" required>
                  <input
                    type="text"
                    className={INPUT_CLS}
                    value={dir.first_names}
                    onChange={(e) => onUpdate(dir.ui_key, { first_names: e.target.value })}
                    placeholder="Jane Maria"
                    required
                  />
                </Field>
                <Field label="Surname" required>
                  <input
                    type="text"
                    className={INPUT_CLS}
                    value={dir.surname}
                    onChange={(e) => onUpdate(dir.ui_key, { surname: e.target.value })}
                    placeholder="Citizen"
                    required
                  />
                </Field>
                <Field label="ID number" required hint="13 digits, no spaces">
                  <input
                    type="tel"
                    inputMode="numeric"
                    pattern="\d{13}"
                    maxLength={13}
                    className={INPUT_CLS}
                    value={dir.id_no}
                    onChange={(e) => onUpdate(dir.ui_key, { id_no: e.target.value.replace(/\D/g, "") })}
                    placeholder="8001015009087"
                    required
                  />
                </Field>
                <Field label="Date of birth" required>
                  <input
                    type="date"
                    className={INPUT_CLS}
                    value={dir.date_of_birth}
                    onChange={(e) => onUpdate(dir.ui_key, { date_of_birth: e.target.value })}
                    required
                  />
                </Field>
                <Field label="Cell phone" required>
                  <input
                    type="tel"
                    className={INPUT_CLS}
                    value={dir.cell_phone}
                    onChange={(e) => onUpdate(dir.ui_key, { cell_phone: e.target.value })}
                    placeholder="+27 81 234 5678"
                    required
                  />
                </Field>
                <Field label="Email" required>
                  <input
                    type="email"
                    className={INPUT_CLS}
                    value={dir.email}
                    onChange={(e) => onUpdate(dir.ui_key, { email: e.target.value })}
                    placeholder="jane@example.co.za"
                    required
                  />
                </Field>
              </div>

              <div className="space-y-1">
                <p className="text-xs font-semibold text-muted uppercase tracking-wider">Residential address</p>
                <Field label="Address line 1" required>
                  <input className={INPUT_CLS} value={dir.residential_address_line_1}
                    onChange={(e) => onUpdate(dir.ui_key, { residential_address_line_1: e.target.value })}
                    placeholder="12 Beach Road" required />
                </Field>
                <Field label="Address line 2">
                  <input className={INPUT_CLS} value={dir.residential_address_line_2}
                    onChange={(e) => onUpdate(dir.ui_key, { residential_address_line_2: e.target.value })}
                    placeholder="Sea Point" />
                </Field>
                <div className="grid grid-cols-2 gap-3">
                  <Field label="Town / City" required>
                    <input className={INPUT_CLS} value={dir.residential_town_city}
                      onChange={(e) => onUpdate(dir.ui_key, { residential_town_city: e.target.value })}
                      placeholder="Cape Town" required />
                  </Field>
                  <Field label="Province" required>
                    <select className={INPUT_CLS} value={dir.residential_province}
                      onChange={(e) => onUpdate(dir.ui_key, { residential_province: e.target.value })} required>
                      <option value="">Select province</option>
                      {["Eastern Cape","Free State","Gauteng","KwaZulu-Natal","Limpopo","Mpumalanga","Northern Cape","North West","Western Cape"].map(p => (
                        <option key={p} value={p}>{p}</option>
                      ))}
                    </select>
                  </Field>
                </div>
                <Field label="Postal code" required>
                  <input className={INPUT_CLS} value={dir.residential_postal_code}
                    onChange={(e) => onUpdate(dir.ui_key, { residential_postal_code: e.target.value })}
                    placeholder="8005" required />
                </Field>
              </div>

              <div className="space-y-1">
                <p className="text-xs font-semibold text-muted uppercase tracking-wider">Postal address <span className="text-muted font-normal normal-case">(leave blank if same as residential)</span></p>
                <Field label="Address line 1">
                  <input className={INPUT_CLS} value={dir.postal_address_line_1}
                    onChange={(e) => onUpdate(dir.ui_key, { postal_address_line_1: e.target.value })}
                    placeholder="PO Box 1234" />
                </Field>
                <Field label="Address line 2">
                  <input className={INPUT_CLS} value={dir.postal_address_line_2}
                    onChange={(e) => onUpdate(dir.ui_key, { postal_address_line_2: e.target.value })}
                    placeholder="Cape Town" />
                </Field>
                <div className="grid grid-cols-2 gap-3">
                  <Field label="Town / City">
                    <input className={INPUT_CLS} value={dir.postal_town_city}
                      onChange={(e) => onUpdate(dir.ui_key, { postal_town_city: e.target.value })}
                      placeholder="Cape Town" />
                  </Field>
                  <Field label="Province">
                    <select className={INPUT_CLS} value={dir.postal_province}
                      onChange={(e) => onUpdate(dir.ui_key, { postal_province: e.target.value })}>
                      <option value="">Select province</option>
                      {["Eastern Cape","Free State","Gauteng","KwaZulu-Natal","Limpopo","Mpumalanga","Northern Cape","North West","Western Cape"].map(p => (
                        <option key={p} value={p}>{p}</option>
                      ))}
                    </select>
                  </Field>
                </div>
                <Field label="Postal code">
                  <input className={INPUT_CLS} value={dir.postal_postal_code}
                    onChange={(e) => onUpdate(dir.ui_key, { postal_postal_code: e.target.value })}
                    placeholder="8000" />
                </Field>
              </div>

              <DocUploadBlock
                directorKey={dir.ui_key}
                directorIndex={idx}
                docs={docs.filter((d) => d.directorKey === dir.ui_key)}
                onAddDoc={onAddDoc}
                onRemoveDoc={onRemoveDoc}
              />

              {errs.length > 0 ? (
                <ul className="text-xs text-danger space-y-1 list-disc pl-5">
                  {errs.map((e) => <li key={e}>{e}</li>)}
                </ul>
              ) : null}
            </div>
          );
        })}

        <button
          type="button"
          onClick={onAdd}
          className="w-full sm:w-auto px-4 py-2.5 rounded-md border border-border text-sm font-semibold text-fg hover:bg-surface-warm transition-colors"
        >
          + Add another director
        </button>
      </div>
    </section>
  );
}

function DocUploadBlock({
  directorKey,
  directorIndex,
  docs,
  onAddDoc,
  onRemoveDoc
}: {
  directorKey: string;
  directorIndex: number;
  docs: UploadedDoc[];
  onAddDoc: (directorKey: string, kind: UploadedDoc["kind"], file: File) => void;
  onRemoveDoc: (uiKey: string) => void;
}) {
  return (
    <div className="space-y-3 pt-3 border-t border-border-soft">
      <h4 className="text-sm font-semibold text-fg">Documents for director {directorIndex + 1}</h4>
      <p className="text-xs text-muted">
        PDF, JPG, or PNG. After submission these will be emailed to
        bertus@dyfins.com — please also keep your originals.
      </p>
      <div className="grid grid-cols-1 sm:grid-cols-2 gap-3">
        <DocSlot
          label="ID document (both sides)"
          kind="id"
          docs={docs.filter((d) => d.kind === "id")}
          directorKey={directorKey}
          onAddDoc={onAddDoc}
          onRemoveDoc={onRemoveDoc}
        />
        <DocSlot
          label="Proof of residence"
          hint="Not older than 3 months"
          kind="proof_of_residence"
          docs={docs.filter((d) => d.kind === "proof_of_residence")}
          directorKey={directorKey}
          onAddDoc={onAddDoc}
          onRemoveDoc={onRemoveDoc}
        />
      </div>
    </div>
  );
}

function DocSlot({
  label,
  hint,
  kind,
  docs,
  directorKey,
  onAddDoc,
  onRemoveDoc
}: {
  label: string;
  hint?: string;
  kind: UploadedDoc["kind"];
  docs: UploadedDoc[];
  directorKey: string;
  onAddDoc: (directorKey: string, kind: UploadedDoc["kind"], file: File) => void;
  onRemoveDoc: (uiKey: string) => void;
}) {
  const inputId = `doc-${kind}-${directorKey}`;
  return (
    <div className="border border-border-soft rounded-md p-3 space-y-2 bg-surface-warm/40">
      <div className="flex items-center justify-between gap-2">
        <div>
          <p className="text-sm font-semibold text-fg">{label}</p>
          {hint ? <p className="text-xs text-muted">{hint}</p> : null}
        </div>
        <label
          htmlFor={inputId}
          className="px-3 py-1.5 text-xs font-semibold border border-border rounded-pill cursor-pointer hover:bg-surface transition-colors"
        >
          Choose file
        </label>
        <input
          id={inputId}
          type="file"
          accept="application/pdf,image/jpeg,image/png"
          multiple
          className="sr-only"
          onChange={(e) => {
            const files = e.target.files;
            if (!files) return;
            for (const file of Array.from(files)) {
              onAddDoc(directorKey, kind, file);
            }
            e.target.value = "";
          }}
        />
      </div>
      {docs.length > 0 ? (
        <ul className="text-xs text-fg space-y-1">
          {docs.map((d) => (
            <li key={d.ui_key} className="flex items-center justify-between gap-2 bg-surface border border-border-soft rounded px-2 py-1">
              <span className="truncate">{d.file.name}</span>
              <button
                type="button"
                onClick={() => onRemoveDoc(d.ui_key)}
                className="text-muted hover:text-danger font-semibold"
                aria-label={`Remove ${d.file.name}`}
              >
                ×
              </button>
            </li>
          ))}
        </ul>
      ) : (
        <p className="text-xs text-muted italic">No file uploaded yet.</p>
      )}
    </div>
  );
}

function ShareholdersStep({
  shareholders,
  errorsByKey,
  totalShares,
  onUpdate,
  onAdd,
  onRemove
}: {
  shareholders: OnboardingShareholder[];
  errorsByKey: Record<string, string[]>;
  totalShares: number;
  onUpdate: (key: string, patch: Partial<OnboardingShareholder>) => void;
  onAdd: () => void;
  onRemove: (key: string) => void;
}) {
  return (
    <section className="space-y-6" data-od-id="step-shareholders">
      <header>
        <h2 className="text-xl font-bold text-fg">Shareholders</h2>
        <p className="text-sm text-muted mt-1">
          Add up to five shareholders. Total share allocation must equal
          exactly 100%.
        </p>
      </header>

      <div className="space-y-4">
        {shareholders.map((s, idx) => {
          const errs = errorsByKey[s.ui_key] ?? [];
          return (
            <div key={s.ui_key} className="bg-surface border border-border rounded-lg p-5 space-y-4">
              <div className="flex items-center justify-between gap-3">
                <h3 className="text-base font-bold text-fg">Shareholder {idx + 1}</h3>
                {shareholders.length > 1 ? (
                  <button
                    type="button"
                    onClick={() => onRemove(s.ui_key)}
                    className="text-xs font-semibold text-muted hover:text-danger px-2 py-1 rounded transition-colors"
                  >
                    Remove
                  </button>
                ) : null}
              </div>
              <div className="grid grid-cols-1 sm:grid-cols-4 gap-4">
                <Field label="Type" required>
                  <select
                    className={INPUT_CLS}
                    value={s.kind}
                    onChange={(e) => onUpdate(s.ui_key, { kind: e.target.value as "person" | "entity" })}
                  >
                    <option value="person">Person</option>
                    <option value="entity">Entity / company</option>
                  </select>
                </Field>
                <Field label={s.kind === "person" ? "Full names" : "Entity name"} required>
                  <input
                    type="text"
                    className={INPUT_CLS}
                    value={s.name}
                    onChange={(e) => onUpdate(s.ui_key, { name: e.target.value })}
                    placeholder={s.kind === "person" ? "Jane Citizen" : "Acme Holdings (Pty) Ltd"}
                    required
                  />
                </Field>
                <Field
                  label={s.kind === "person" ? "ID number" : "Registration number"}
                  required
                >
                  <input
                    type="text"
                    className={INPUT_CLS}
                    value={s.id_or_company_no}
                    onChange={(e) => onUpdate(s.ui_key, { id_or_company_no: e.target.value })}
                    placeholder={s.kind === "person" ? "8001015009087" : "K2020123456"}
                    required
                  />
                </Field>
                <Field label="Share %" required>
                  <input
                    type="number"
                    min={0}
                    max={100}
                    step={0.01}
                    className={INPUT_CLS}
                    value={Number.isFinite(s.share_percent) ? s.share_percent : 0}
                    onChange={(e) => onUpdate(s.ui_key, { share_percent: Number(e.target.value) })}
                    required
                  />
                </Field>
              </div>
              {errs.length > 0 ? (
                <ul className="text-xs text-danger space-y-1 list-disc pl-5">
                  {errs.map((e) => <li key={e}>{e}</li>)}
                </ul>
              ) : null}
            </div>
          );
        })}

        {shareholders.length < 5 ? (
          <button
            type="button"
            onClick={onAdd}
            className="w-full sm:w-auto px-4 py-2.5 rounded-md border border-border text-sm font-semibold text-fg hover:bg-surface-warm transition-colors"
          >
            + Add shareholder
          </button>
        ) : (
          <p className="text-xs text-muted italic">Maximum of 5 shareholders reached.</p>
        )}
      </div>

      <div
        className={
          "flex items-center justify-between gap-3 p-3 rounded-md border " +
          (Math.abs(totalShares - 100) < 0.01
            ? "bg-[color-mix(in_oklch,var(--success)_8%,white)] border-[color:var(--success)]/30"
            : "bg-[color-mix(in_oklch,var(--warn)_8%,white)] border-[color:var(--warn)]/30")
        }
      >
        <p className="text-sm font-semibold text-fg">Total share allocation</p>
        <p
          className={
            "text-base font-bold " +
            (Math.abs(totalShares - 100) < 0.01 ? "text-success" : "text-warn")
          }
        >
          {totalShares.toFixed(2)}%
        </p>
      </div>
    </section>
  );
}

function ReviewStep({
  clientName,
  clientEmail,
  clientTelephone,
  company,
  directors,
  shareholders,
  docs,
  totalShares
}: {
  clientName: string;
  clientEmail: string;
  clientTelephone: string;
  company: OnboardingCompany;
  directors: OnboardingDirector[];
  shareholders: OnboardingShareholder[];
  docs: UploadedDoc[];
  totalShares: number;
}) {
  return (
    <section className="space-y-6" data-od-id="step-review">
      <header>
        <h2 className="text-xl font-bold text-fg">Review &amp; submit</h2>
        <p className="text-sm text-muted mt-1">
          Once submitted we&apos;ll create the records and email a
          confirmation. A unique reference number will be assigned at
          submission time.
        </p>
      </header>

      <SummaryCard title="Primary contact">
        <SummaryRow label="Name" value={clientName || "—"} />
        <SummaryRow label="Email" value={clientEmail || "—"} />
        <SummaryRow label="Telephone" value={clientTelephone || "—"} />
      </SummaryCard>

      <SummaryCard title="Company">
        <SummaryRow label="Proposed name (primary)" value={company.proposed_names[0] || "—"} />
        {company.proposed_names[1] ? <SummaryRow label="Proposed name 2" value={company.proposed_names[1]} /> : null}
        {company.proposed_names[2] ? <SummaryRow label="Proposed name 3" value={company.proposed_names[2]} /> : null}
        <SummaryRow label="Financial year end" value={MONTH_NAMES[company.financial_year_end_month - 1]} />
        <SummaryRow label="Authorised shares" value={company.authorised_shares} />
        <SummaryRow label="Physical address" value={[
          company.physical_address_line_1,
          company.physical_address_line_2,
          company.physical_town_city,
          company.physical_province,
          company.physical_postal_code,
        ].filter(Boolean).join(", ") || "—"} />
        <SummaryRow label="Postal address" value={[
          company.postal_address_line_1,
          company.postal_address_line_2,
          company.postal_town_city,
          company.postal_province,
          company.postal_postal_code,
        ].filter(Boolean).join(", ") || "—"} />
        <SummaryRow label="Cell phone" value={company.company_cell_phone || "—"} />
        <SummaryRow label="Email" value={company.company_email || "—"} />
        <SummaryRow label="Public officer" value={company.public_officer_name || "—"} />
        <SummaryRow label="Company secretary" value={company.company_secretary_name || "—"} />
      </SummaryCard>

      <SummaryCard title={`Directors (${directors.length})`}>
        {directors.map((d, idx) => (
          <div key={d.ui_key} className="pt-3 first:pt-0 border-t border-border-soft first:border-t-0">
            <p className="text-sm font-semibold text-fg mb-2">Director {idx + 1}</p>
            <SummaryRow label="Name" value={`${d.first_names} ${d.surname}`.trim() || "—"} />
            <SummaryRow label="ID number" value={d.id_no || "—"} />
            <SummaryRow label="Date of birth" value={d.date_of_birth || "—"} />
            <SummaryRow label="Cell phone" value={d.cell_phone || "—"} />
            <SummaryRow label="Email" value={d.email || "—"} />
            <SummaryRow label="Residential address" value={[
              d.residential_address_line_1,
              d.residential_address_line_2,
              d.residential_town_city,
              d.residential_province,
              d.residential_postal_code,
            ].filter(Boolean).join(", ") || "—"} />
            <SummaryRow label="Postal address" value={[
              d.postal_address_line_1,
              d.postal_address_line_2,
              d.postal_town_city,
              d.postal_province,
              d.postal_postal_code,
            ].filter(Boolean).join(", ") || "—"} />
            <SummaryRow
              label="ID document"
              value={docs.some((doc) => doc.directorKey === d.ui_key && doc.kind === "id") ? "Uploaded" : "Missing"}
            />
            <SummaryRow
              label="Proof of residence"
              value={docs.some((doc) => doc.directorKey === d.ui_key && doc.kind === "proof_of_residence") ? "Uploaded" : "Missing"}
            />
          </div>
        ))}
      </SummaryCard>

      <SummaryCard title={`Shareholders (${shareholders.length})`}>
        {shareholders.map((s, idx) => (
          <div key={s.ui_key} className="pt-3 first:pt-0 border-t border-border-soft first:border-t-0">
            <p className="text-sm font-semibold text-fg mb-2">Shareholder {idx + 1}</p>
            <SummaryRow label="Type" value={s.kind === "person" ? "Person" : "Entity"} />
            <SummaryRow label="Name" value={s.name || "—"} />
            <SummaryRow label="ID / Reg no." value={s.id_or_company_no || "—"} />
            <SummaryRow label="Share" value={`${s.share_percent.toFixed(2)}%`} />
          </div>
        ))}
        <div className="pt-3 border-t border-border-soft">
          <SummaryRow label="Total allocation" value={`${totalShares.toFixed(2)}%`} />
        </div>
      </SummaryCard>
    </section>
  );
}

function SummaryCard({ title, children }: { title: string; children: React.ReactNode }) {
  return (
    <div className="bg-surface border border-border rounded-lg p-5 space-y-2">
      <h3 className="text-sm font-semibold text-fg uppercase tracking-wider mb-3">{title}</h3>
      <div className="space-y-2">{children}</div>
    </div>
  );
}

function SummaryRow({ label, value }: { label: string; value: string }) {
  return (
    <div className="grid grid-cols-3 gap-3 text-sm">
      <span className="text-muted font-medium">{label}</span>
      <span className="col-span-2 text-fg break-words">{value}</span>
    </div>
  );
}

function Nav({
  step,
  canProceed,
  submitting,
  submitError,
  onPrev,
  onNext,
  onSubmit
}: {
  step: StepId;
  canProceed: boolean;
  submitting: boolean;
  submitError: string | null;
  onPrev: () => void;
  onNext: () => void;
  onSubmit: () => void;
}) {
  const isReview = step === "review";
  return (
    <div className="flex flex-col sm:flex-row sm:items-center sm:justify-between gap-3 pt-4 border-t border-border">
      <button
        type="button"
        onClick={onPrev}
        disabled={step === "company" || submitting}
        className="px-4 py-2.5 rounded-md border border-border text-sm font-semibold text-fg hover:bg-surface-warm disabled:opacity-40 disabled:cursor-not-allowed transition-colors"
      >
        ← Back
      </button>

      <div className="flex flex-col items-end gap-2">
        {submitError ? (
          <p className="text-sm text-danger font-medium">{submitError}</p>
        ) : null}
        {isReview ? (
          <button
            type="button"
            onClick={onSubmit}
            disabled={submitting}
            className="px-6 py-3 rounded-md bg-accent text-accent-on text-base font-bold hover:bg-accent-hover active:bg-accent-active transition-colors disabled:opacity-50 disabled:cursor-not-allowed"
          >
            {submitting ? "Submitting…" : "Submit onboarding"}
          </button>
        ) : (
          <button
            type="button"
            onClick={onNext}
            disabled={!canProceed}
            className="px-5 py-2.5 rounded-md bg-fg text-surface text-sm font-semibold hover:bg-fg-2 disabled:opacity-40 disabled:cursor-not-allowed transition-colors"
          >
            Continue →
          </button>
        )}
      </div>
    </div>
  );
}

function SubmittedSuccess({ referenceNo }: { referenceNo: string }) {
  return (
    <div className="text-center py-12 space-y-4 max-w-xl mx-auto" data-od-id="onboarding-success">
      <div className="inline-flex items-center justify-center w-16 h-16 rounded-pill bg-[color-mix(in_oklch,var(--success)_15%,white)] text-success">
        <svg width="32" height="32" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2.5" strokeLinecap="round" strokeLinejoin="round">
          <polyline points="20 6 9 17 4 12" />
        </svg>
      </div>
      <h2 className="text-2xl font-bold text-fg">Submission received</h2>
      <p className="text-base text-muted">
        Thanks — we&apos;ll review and process your submission. You&apos;ll
        receive an email confirmation shortly.
      </p>
      <div className="bg-surface-warm border border-border rounded-lg p-5 inline-block">
        <p className="text-xs uppercase tracking-wider text-muted font-semibold mb-1">Reference number</p>
        <p className="text-lg font-bold text-fg font-mono">{referenceNo}</p>
      </div>
      <p className="text-sm text-muted">
        Please keep this reference for your records.
      </p>
    </div>
  );
}