Thijooree-iOS/Thijooree iOS/Views/Home/TransferView.swift

import SwiftUI

struct TransferView: View {
    private enum FocusedField {
        case toAccount
        case amount
        case remarks
    }

    @Environment(HomeViewModel.self) private var homeVM
    @State private var vm = TransferViewModel()
    @State private var showAccountPicker   = false
    @State private var showContactPicker   = false
    @State private var showBmlOtp          = false
    @State private var showQRScanner       = false
    @State private var accountSearchText   = ""
    @State private var contactSearchText   = ""
    @State private var toInputText         = ""
    @State private var amountInputText     = ""
    @State private var purposeInputText    = ""
    @State private var completedReceipt: ReceiptPresentation? = nil
    @State private var pendingReceiptAfterOtp: TransferReceiptData? = nil
    @State private var isProgrammaticToInputChange = false
    @FocusState private var focusedField: FocusedField?

    private let primary = Color(red: 0.247, green: 0.396, blue: 0.678)

    private struct ReceiptPresentation: Identifiable {
        let id = UUID()
        let receipt: TransferReceiptData
    }

    // Accounts eligible to send from
    private var sendableAccounts: [BankAccount] {
        homeVM.accounts.filter {
            ($0.bank == "MIB" || $0.bank == "BML") &&
            !["BML_CREDIT", "BML_DEBIT", "BML_PREPAID", "BML_LOAN", "MIB_CARD"].contains($0.profileType) &&
            $0.isActive
        }
    }

    private var filteredSendableAccounts: [BankAccount] {
        guard !accountSearchText.isEmpty else { return sendableAccounts }
        let query = accountSearchText.lowercased()
        return sendableAccounts.filter {
            $0.bank.lowercased().contains(query) ||
            $0.accountNumber.contains(query) ||
            $0.accountBriefName.lowercased().contains(query) ||
            $0.accountTypeName.lowercased().contains(query)
        }
    }

    private var destinationAccounts: [BankAccount] {
        homeVM.accounts.filter {
            ($0.bank == "MIB" || $0.bank == "BML") &&
            $0.profileType != "BML_LOAN" &&
            $0.id != vm.fromAccount?.id
        }
    }

    private var filteredDestinationAccounts: [BankAccount] {
        guard !contactSearchText.isEmpty else { return destinationAccounts }
        let query = contactSearchText.lowercased()
        return destinationAccounts.filter {
            $0.bank.lowercased().contains(query) ||
            $0.accountNumber.contains(query) ||
            $0.accountBriefName.lowercased().contains(query) ||
            $0.accountTypeName.lowercased().contains(query)
        }
    }

    private var filteredContacts: [BankContact] {
        guard !contactSearchText.isEmpty else { return homeVM.contacts }
        let query = contactSearchText.lowercased()
        return homeVM.contacts.filter {
            $0.displayName.lowercased().contains(query) ||
            $0.benefAccount.contains(query) ||
            ($0.benefBankName?.lowercased().contains(query) ?? false) ||
            ($0.benefCategoryId?.lowercased().contains(query) ?? false)
        }
    }

    private var canSubmitTransfer: Bool {
        guard let from = vm.fromAccount else { return false }
        let amount = Double(amountInputText.replacingOccurrences(of: ",", with: "")) ?? 0
        guard amount > 0 else { return false }
        switch vm.lookupState {
        case .found, .bmlReady:
            return true
        default:
            return from.bank == "BML" && !toInputText.trimmingCharacters(in: .whitespacesAndNewlines).isEmpty
        }
    }

    private var groupedContacts: [(String, [BankContact])] {
        let groups = Dictionary(grouping: filteredContacts) { contactCategoryTitle($0) }
        return groups.keys.sorted().compactMap { key in
            guard let contacts = groups[key], !contacts.isEmpty else { return nil }
            return (key, contacts.sorted { $0.displayName < $1.displayName })
        }
    }

    var body: some View {
        NavigationStack {
            ScrollView {
                VStack(spacing: 16) {
                    fromAccountCard
                    toAccountCard
                    amountCard
                    remarksCard
                    transferButton
                }
                .padding(16)
            }
            .scrollDismissesKeyboard(.interactively)
            .background(Color(.systemGroupedBackground))
            .contentShape(Rectangle())
            .onTapGesture { focusedField = nil }
            .navigationTitle("Transfer")
            .navigationBarTitleDisplayMode(.inline)
        }
        .sheet(isPresented: $showAccountPicker) {
            accountPickerSheet
                .onDisappear { accountSearchText = "" }
        }
        .sheet(isPresented: $showBmlOtp, onDismiss: presentPendingReceiptAfterOtp) {
            bmlOtpSheet
        }
        .sheet(isPresented: $showContactPicker) {
            contactPickerSheet
                .onDisappear { contactSearchText = "" }
        }
        .sheet(item: $completedReceipt, onDismiss: finishCompletedTransfer) { presentation in
            TransferReceiptView(
                receipt: presentation.receipt,
                onSaveContact: { contact in
                    homeVM.saveContact(contact)
                }
            ) {
                completedReceipt = nil
                finishCompletedTransfer()
            }
        }
        .sheet(isPresented: $showQRScanner) {
            QRScannerSheet { qrContent in
                handleQR(qrContent)
            }
        }
        .onChange(of: vm.transferState) { _, state in
            switch state {
            case .success(let receipt):
                focusedField = nil
                if showBmlOtp {
                    pendingReceiptAfterOtp = receipt
                    showBmlOtp = false
                } else {
                    completedReceipt = ReceiptPresentation(receipt: receipt)
                }
            case .bmlStep2:
                focusedField = nil
                showBmlOtp = true
            default:
                break
            }
        }
        .onChange(of: homeVM.pendingTransferContact) { _, contact in
            guard let contact else { return }
            selectContact(contact)
            homeVM.pendingTransferContact = nil
        }
        .onChange(of: homeVM.pendingTransferQRData) { _, qrData in
            guard let qrData else { return }
            handleQRFromDashboard(qrData)
            homeVM.pendingTransferQRData = nil
        }
        .onChange(of: homeVM.pendingBmlQrUrl) { _, url in
            guard let url else { return }
            handleBmlQrFromDashboard(url)
            homeVM.pendingBmlQrUrl = nil
        }
        .toolbar {
            ToolbarItemGroup(placement: .keyboard) {
                Spacer()
                Button("Done") { focusedField = nil }
            }
        }
    }

    // MARK: - From account card

    private var fromAccountCard: some View {
        Button { showAccountPicker = true } label: {
            HStack {
                VStack(alignment: .leading, spacing: 4) {
                    Text("From Account")
                        .font(.caption)
                        .foregroundStyle(.secondary)
                    if let acc = vm.fromAccount {
                        Text(acc.accountBriefName.isEmpty ? acc.accountTypeName : acc.accountBriefName)
                            .font(.subheadline.bold())
                        Text(acc.accountNumber)
                            .font(.caption.monospaced())
                            .foregroundStyle(.secondary)
                        Text(acc.formattedAvailableBalance)
                            .font(.caption)
                            .foregroundStyle(primary)
                    } else {
                        Text("Select account")
                            .font(.subheadline)
                            .foregroundStyle(.secondary)
                    }
                }
                Spacer()
                Image(systemName: "chevron.down")
                    .foregroundStyle(.secondary)
            }
            .padding(16)
            .background(Color(.secondarySystemGroupedBackground))
            .clipShape(RoundedRectangle(cornerRadius: 12))
        }
        .buttonStyle(.plain)
    }

    // MARK: - To account card

    private var toAccountCard: some View {
        VStack(alignment: .leading, spacing: 10) {
            Text("To Account")
                .font(.caption)
                .foregroundStyle(.secondary)

            HStack(spacing: 10) {
                // Text field with lookup icon inside its border
                HStack(spacing: 8) {
                    TextField("Account Number or Favara ID", text: $toInputText)
                        .focused($focusedField, equals: .toAccount)
                        .keyboardType(.asciiCapable)
                        .textInputAutocapitalization(.never)
                        .autocorrectionDisabled()
                        .submitLabel(.next)
                        .onSubmit { focusedField = .amount }
                        .font(.subheadline)
                        .onChange(of: toInputText) { _, _ in
                            if isProgrammaticToInputChange {
                                isProgrammaticToInputChange = false
                                return
                            }
                            vm.lookupState = .idle
                            vm.bmlTrnType = "IAT"
                            vm.bmlBank = nil
                            vm.bmlCreditAccountOverride = nil
                        }

                    if vm.fromAccount?.bank == "MIB" || vm.fromAccount?.bank == "BML" {
                        lookupButton
                    }
                }
                .padding(.horizontal, 12)
                .padding(.vertical, 10)
                .background(Color(.systemBackground))
                .clipShape(RoundedRectangle(cornerRadius: 8))
                .overlay(
                    RoundedRectangle(cornerRadius: 8)
                        .stroke(Color(.separator), lineWidth: 0.5)
                )

                // Contact picker
                Button { showContactPicker = true } label: {
                    Image(systemName: "person.fill")
                        .font(.subheadline)
                        .foregroundStyle(.white)
                        .frame(width: 40, height: 40)
                        .background(Color.green)
                        .clipShape(Circle())
                }
                .buttonStyle(.plain)

                // QR scanner
                Button { showQRScanner = true } label: {
                    Image(systemName: "qrcode.viewfinder")
                        .font(.subheadline)
                        .foregroundStyle(.white)
                        .frame(width: 40, height: 40)
                        .background(Color.green)
                        .clipShape(Circle())
                }
                .buttonStyle(.plain)
            }

            lookupResultRow
        }
        .padding(16)
        .background(Color(.secondarySystemGroupedBackground))
        .clipShape(RoundedRectangle(cornerRadius: 12))
    }

    @ViewBuilder
    private var lookupButton: some View {
        switch vm.lookupState {
        case .loading:
            ProgressView()
                .controlSize(.small)
        default:
            Button {
                performBeneficiaryLookup()
            } label: {
                Image(systemName: "magnifyingglass")
                    .font(.subheadline)
                    .foregroundStyle(toInputText.isEmpty ? Color.secondary : primary)
            }
            .disabled(toInputText.isEmpty)
        }
    }

    @ViewBuilder
    private var lookupResultRow: some View {
        switch vm.lookupState {
        case .found(let r):
            HStack(spacing: 6) {
                Image(systemName: "checkmark.circle.fill").foregroundStyle(.green)
                VStack(alignment: .leading, spacing: 2) {
                    Text(r.accountName).font(.caption.bold())
                    Text(r.bankName).font(.caption2).foregroundStyle(.secondary)
                }
            }
        case .bmlReady(let name) where !name.isEmpty:
            HStack(spacing: 6) {
                Image(systemName: "checkmark.circle.fill").foregroundStyle(.green)
                Text(name).font(.caption.bold())
            }
        case .error(let msg):
            HStack(spacing: 6) {
                Image(systemName: "xmark.circle.fill").foregroundStyle(.red)
                Text(msg).font(.caption).foregroundStyle(.red)
            }
        default:
            EmptyView()
        }
    }

    // MARK: - Amount card

    private var amountCard: some View {
        VStack(alignment: .leading, spacing: 4) {
            Text("Amount")
                .font(.caption)
                .foregroundStyle(.secondary)
                .padding(.horizontal, 16)
                .padding(.top, 12)
            HStack {
                Text(vm.fromAccount?.currencyName ?? "MVR")
                    .font(.subheadline.bold())
                    .foregroundStyle(primary)
                    .frame(width: 44)
                TextField("0.00", text: $amountInputText)
                    .focused($focusedField, equals: .amount)
                    .keyboardType(.decimalPad)
                    .submitLabel(.next)
                    .onSubmit { focusedField = .remarks }
                    .font(.title3.bold())
            }
            .padding(.horizontal, 16)
            .padding(.bottom, 12)
        }
        .background(Color(.secondarySystemGroupedBackground))
        .clipShape(RoundedRectangle(cornerRadius: 12))
    }

    // MARK: - Remarks card

    private var remarksCard: some View {
        VStack(alignment: .leading, spacing: 4) {
            Text("Remarks")
                .font(.caption)
                .foregroundStyle(.secondary)
                .padding(.horizontal, 16)
                .padding(.top, 12)
            TextField("Fund Transfer", text: $purposeInputText)
                .focused($focusedField, equals: .remarks)
                .submitLabel(.done)
                .onSubmit { focusedField = nil }
                .font(.subheadline)
                .padding(.horizontal, 16)
                .padding(.bottom, 12)
        }
        .background(Color(.secondarySystemGroupedBackground))
        .clipShape(RoundedRectangle(cornerRadius: 12))
    }

    // MARK: - Transfer button

    @ViewBuilder
    private var transferButton: some View {
        if case .processing = vm.transferState {
            ProgressView("Processing transfer…")
                .frame(maxWidth: .infinity)
                .padding(.vertical, 14)
        } else {
            VStack(spacing: 8) {
                if case .failure(let msg) = vm.transferState {
                    Text(msg)
                        .font(.caption)
                        .foregroundStyle(.red)
                        .multilineTextAlignment(.center)
                }
                Button {
                    syncFormToViewModel()
                    focusedField = nil
                    Task { await vm.submitTransfer() }
                } label: {
                    Text("Transfer")
                        .font(.headline)
                        .frame(maxWidth: .infinity)
                        .padding(.vertical, 14)
                        .background(canSubmitTransfer ? primary : Color.gray.opacity(0.4))
                        .foregroundStyle(.white)
                        .clipShape(RoundedRectangle(cornerRadius: 12))
                }
                .disabled(!canSubmitTransfer)
            }
        }
    }

    // MARK: - Account picker sheet

    private var accountPickerSheet: some View {
        NavigationStack {
            List(filteredSendableAccounts) { acc in
                Button {
                    vm.fromAccount = acc
                    vm.lookupState = .idle
                    vm.bmlTrnType = "IAT"
                    vm.bmlBank = nil
                    vm.bmlCreditAccountOverride = nil
                    showAccountPicker = false
                } label: {
                    HStack {
                        bankDot(acc.bank)
                        VStack(alignment: .leading, spacing: 3) {
                            Text(acc.accountBriefName.isEmpty ? acc.accountTypeName : acc.accountBriefName)
                                .font(.subheadline.bold())
                                .foregroundStyle(.primary)
                            Text(acc.accountNumber)
                                .font(.caption.monospaced())
                                .foregroundStyle(.secondary)
                        }
                        Spacer()
                        Text(acc.formattedAvailableBalance)
                            .font(.caption.bold())
                            .foregroundStyle(primary)
                    }
                }
            }
            .navigationTitle("From Account")
            .navigationBarTitleDisplayMode(.inline)
            .searchable(text: $accountSearchText, prompt: "Search account")
            .toolbar {
                ToolbarItem(placement: .navigationBarTrailing) {
                    Button("Cancel") { showAccountPicker = false }
                }
            }
        }
    }

    // MARK: - BML OTP sheet

    private var bmlOtpSheet: some View {
        NavigationStack {
            VStack(spacing: 24) {
                Image(systemName: "lock.shield.fill")
                    .font(.system(size: 48))
                    .foregroundStyle(primary)
                Text("Confirm Transfer")
                    .font(.title2.bold())
                Text("The OTP will be generated automatically from your stored authenticator seed.")
                    .font(.subheadline)
                    .foregroundStyle(.secondary)
                    .multilineTextAlignment(.center)
                    .padding(.horizontal)

                if case .processing = vm.transferState {
                    ProgressView("Confirming…")
                } else {
                    Button {
                        guard let pid = vm.fromAccount?.profileId
                                ?? vm.fromAccount.flatMap({ CredentialStore.shared.loadStringArray(forKey: CredentialStore.Keys.bmlProfiles($0.loginTag.replacingOccurrences(of: "bml_", with: ""))).first }),
                              let seed = CredentialStore.shared.load(forKey: CredentialStore.Keys.bmlOtpSeed(
                                    vm.fromAccount?.loginTag.replacingOccurrences(of: "bml_", with: "") ?? ""
                              )) else { return }
                        let _ = pid // suppress unused warning
                        Task { await vm.confirmBmlOtp(otpSeed: seed) }
                    } label: {
                        Text("Confirm with Authenticator")
                            .font(.headline)
                            .frame(maxWidth: .infinity)
                            .padding(.vertical, 14)
                            .background(primary)
                            .foregroundStyle(.white)
                            .clipShape(RoundedRectangle(cornerRadius: 12))
                    }
                    .padding(.horizontal, 24)

                    if case .failure(let msg) = vm.transferState {
                        Text(msg)
                            .font(.caption)
                            .foregroundStyle(.red)
                            .multilineTextAlignment(.center)
                            .padding(.horizontal)
                    }
                }
            }
            .frame(maxWidth: .infinity, maxHeight: .infinity)
            .padding(24)
            .navigationTitle("OTP Confirmation")
            .navigationBarTitleDisplayMode(.inline)
            .toolbar {
                ToolbarItem(placement: .navigationBarLeading) {
                    Button("Cancel") {
                        vm.transferState = .idle
                        showBmlOtp = false
                    }
                }
            }
        }
        .presentationDetents([.medium])
        .onChange(of: vm.transferState) { _, state in
            if case .success = state {
                showBmlOtp  = false
            }
        }
    }

    // MARK: - Contact picker sheet

    private var contactPickerSheet: some View {
        NavigationStack {
            List {
                if !filteredDestinationAccounts.isEmpty {
                    Section("My Accounts") {
                        ForEach(filteredDestinationAccounts) { account in
                            Button {
                                selectDestinationAccount(account)
                                showContactPicker = false
                            } label: {
                                destinationAccountRow(account)
                            }
                            .buttonStyle(.plain)
                        }
                    }
                }

                ForEach(groupedContacts, id: \.0) { title, contacts in
                    Section(title) {
                        ForEach(contacts) { contact in
                            Button {
                                selectContact(contact)
                                showContactPicker = false
                            } label: {
                                contactPickerRow(contact)
                            }
                            .buttonStyle(.plain)
                        }
                    }
                }
            }
            .navigationTitle("Select Contact")
            .navigationBarTitleDisplayMode(.inline)
            .searchable(text: $contactSearchText, prompt: "Search contacts")
            .toolbar {
                ToolbarItem(placement: .navigationBarTrailing) {
                    Button("Cancel") { showContactPicker = false }
                }
            }
        }
    }

    // MARK: - Transfer completion

    private func finishCompletedTransfer() {
        completedReceipt = nil
        pendingReceiptAfterOtp = nil
        focusedField = nil
        showBmlOtp = false
        vm.reset()
        toInputText = ""
        amountInputText = ""
        purposeInputText = ""
    }

    private func presentPendingReceiptAfterOtp() {
        guard let receipt = pendingReceiptAfterOtp else { return }
        pendingReceiptAfterOtp = nil
        completedReceipt = ReceiptPresentation(receipt: receipt)
    }

    private func syncFormToViewModel() {
        vm.toInput = toInputText
        vm.amountInput = amountInputText
        vm.purposeInput = purposeInputText
    }

    private func setToInput(_ value: String) {
        guard toInputText != value else {
            vm.toInput = value
            isProgrammaticToInputChange = false
            return
        }
        isProgrammaticToInputChange = true
        toInputText = value
        vm.toInput = value
    }

    // MARK: - QR handler

    private func performBeneficiaryLookup() {
        syncFormToViewModel()
        if resolveCachedRecipient() { return }
        Task { await vm.lookupBeneficiary() }
    }

    private func resolveCachedRecipient() -> Bool {
        let query = toInputText.trimmingCharacters(in: .whitespacesAndNewlines)
        guard !query.isEmpty else { return false }

        if let account = destinationAccounts.first(where: { $0.accountNumber == query }) {
            selectDestinationAccount(account)
            return true
        }
        if let contact = homeVM.contacts.first(where: {
            $0.benefAccount == query ||
            $0.benefNo == query ||
            $0.displayName.caseInsensitiveCompare(query) == .orderedSame
        }) {
            selectContact(contact)
            return true
        }
        return false
    }

    private func handleQR(_ content: String) {
        if let result = PaymvQrParser.parse(content) {
            setToInput(result.account)
            vm.lookupState = .idle
            if let amount = result.amount, !amount.isEmpty {
                amountInputText = amount
                vm.amountInput = amount
            }
            if let purpose = result.purpose, !purpose.isEmpty {
                purposeInputText = purpose
                vm.purposeInput = purpose
            } else if let name = result.merchantName, !name.isEmpty {
                purposeInputText = "Pay \(name)"
                vm.purposeInput = purposeInputText
            }
            // Trigger lookup for the filled account
            if vm.fromAccount?.bank == "MIB" {
                Task { await vm.lookupBeneficiary() }
            } else if vm.fromAccount?.bank == "BML" {
                Task { await vm.lookupBeneficiary() }
            }
        } else {
            // Fallback: treat raw content as an account number
            setToInput(content)
            vm.lookupState = .idle
        }
    }

    private func handleQRFromDashboard(_ result: PaymvQrResult) {
        setToInput(result.account)
        vm.lookupState = .idle
        if let amount = result.amount, !amount.isEmpty {
            amountInputText = amount
            vm.amountInput = amount
        }
        if let purpose = result.purpose, !purpose.isEmpty {
            purposeInputText = purpose
            vm.purposeInput = purpose
        } else if let name = result.merchantName, !name.isEmpty {
            purposeInputText = "Pay \(name)"
            vm.purposeInput = purposeInputText
        }

        if let cardNumber = homeVM.pendingQrFromCard {
            if let cardAccount = homeVM.accounts.first(where: {
                $0.accountNumber == cardNumber &&
                ($0.profileType == "BML_PREPAID" || $0.profileType == "BML_CREDIT" || $0.profileType == "BML_DEBIT")
            }) {
                vm.fromAccount = cardAccount
            }
            homeVM.pendingQrFromCard = nil
        }

        if vm.fromAccount?.bank == "MIB" {
            Task { await vm.lookupBeneficiary() }
        } else if vm.fromAccount?.bank == "BML" {
            Task { await vm.lookupBeneficiary() }
        }
    }

    private func handleBmlQrFromDashboard(_ url: String) {
        setToInput(url)
        vm.lookupState = .idle

        if let cardNumber = homeVM.pendingQrFromCard {
            if let cardAccount = homeVM.accounts.first(where: {
                $0.accountNumber == cardNumber &&
                ($0.profileType == "BML_PREPAID" || $0.profileType == "BML_CREDIT" || $0.profileType == "BML_DEBIT")
            }) {
                vm.fromAccount = cardAccount
            }
            homeVM.pendingQrFromCard = nil
        }
    }

    private func destinationAccountRow(_ account: BankAccount) -> some View {
        HStack(spacing: 12) {
            ZStack {
                Circle()
                    .fill(contactColor(account.bank).opacity(0.15))
                    .frame(width: 36, height: 36)
                Text(accountInitials(account))
                    .font(.system(size: 12, weight: .semibold))
                    .foregroundStyle(contactColor(account.bank))
            }
            VStack(alignment: .leading, spacing: 3) {
                Text(account.accountBriefName.isEmpty ? account.accountTypeName : account.accountBriefName)
                    .font(.subheadline.bold())
                    .foregroundStyle(.primary)
                Text("\(account.bank) · \(account.accountNumber)")
                    .font(.caption)
                    .foregroundStyle(.secondary)
                    .lineLimit(1)
            }
            Spacer()
            Text(account.formattedAvailableBalance)
                .font(.caption.bold())
                .foregroundStyle(primary)
        }
    }

    private func contactPickerRow(_ contact: BankContact) -> some View {
        HStack(spacing: 12) {
            ZStack {
                Circle()
                    .fill(contactColor(contact.source).opacity(0.15))
                    .frame(width: 36, height: 36)
                Text(contactInitials(contact.displayName))
                    .font(.system(size: 13, weight: .semibold))
                    .foregroundStyle(contactColor(contact.source))
            }
            VStack(alignment: .leading, spacing: 3) {
                Text(contact.displayName)
                    .font(.subheadline.bold())
                    .foregroundStyle(.primary)
                Text(contactSubtitle(contact))
                    .font(.caption)
                    .foregroundStyle(.secondary)
                    .lineLimit(1)
            }
            Spacer()
            Text(contact.source)
                .font(.caption2.bold())
                .padding(.horizontal, 6)
                .padding(.vertical, 3)
                .background(contactColor(contact.source).opacity(0.12), in: Capsule())
                .foregroundStyle(contactColor(contact.source))
        }
    }

    private func selectDestinationAccount(_ account: BankAccount) {
        setToInput(account.accountNumber)
        guard let from = vm.fromAccount else { return }

        if from.bank == "MIB" {
            let isMibInternal = account.bank == "MIB"
            vm.lookupState = .found(MibAccountLookupResult(
                accountNumber: account.accountNumber,
                accountName:   account.accountBriefName.isEmpty ? account.accountTypeName : account.accountBriefName,
                bankName:      isMibInternal ? "Maldives Islamic Bank" : "Bank of Maldives",
                bankCode:      isMibInternal ? "2" : "3",
                aliasId:       nil,
                network:       isMibInternal ? .mibInternal : .local
            ))
        } else if from.bank == "BML" {
            if account.bank == "MIB" {
                vm.bmlTrnType = "DOT"
                vm.bmlBank = "MIB"
                vm.bmlCreditAccountOverride = nil
            } else if isBmlCard(account) {
                vm.bmlTrnType = "CPA"
                vm.bmlBank = nil
                vm.bmlCreditAccountOverride = (account.internalId ?? "").isEmpty ? account.accountNumber : account.internalId
            } else {
                vm.bmlTrnType = "IAT"
                vm.bmlBank = nil
                vm.bmlCreditAccountOverride = nil
            }
            vm.lookupState = .bmlReady(account.accountBriefName.isEmpty ? account.accountTypeName : account.accountBriefName)
        }
    }

    private func selectContact(_ contact: BankContact) {
        setToInput(contact.benefAccount)
        guard let fromBank = vm.fromAccount?.bank else { return }

        if fromBank == "MIB" {
            let isMibInternal = contact.source == "MIB" && contact.benefType != "LOCAL"
            vm.lookupState = .found(MibAccountLookupResult(
                accountNumber: contact.benefAccount,
                accountName:   contact.displayName,
                bankName:      contact.benefBankName ?? (isMibInternal ? "Maldives Islamic Bank" : "Local Bank"),
                bankCode:      contact.bankCode ?? (isMibInternal ? "2" : "3"),
                aliasId:       contact.benefNo,
                network:       isMibInternal ? .mibInternal : .local
            ))
        } else if fromBank == "BML" {
            vm.bmlTrnType = contact.source == "MIB" ? "DOT" : "IAT"
            vm.bmlBank = contact.source == "MIB" ? "MIB" : nil
            vm.bmlCreditAccountOverride = nil
            vm.lookupState = .bmlReady(contact.displayName)
        }
    }

    private func contactCategoryTitle(_ contact: BankContact) -> String {
        if let category = contact.benefCategoryId, !category.isEmpty, category != "BML" {
            return category
        }
        switch contact.source {
        case "MIB": return "MIB Contacts"
        case "BML": return "BML Contacts"
        default:    return "Other Contacts"
        }
    }

    private func contactSubtitle(_ contact: BankContact) -> String {
        let bank = contact.benefBankName ?? contact.source
        return "\(bank) · \(contact.benefAccount)"
    }

    private func accountInitials(_ account: BankAccount) -> String {
        let label = account.accountBriefName.isEmpty ? account.accountTypeName : account.accountBriefName
        let words = label.split(separator: " ").prefix(2)
        let initials = words.compactMap { $0.first }.map(String.init).joined()
        return initials.isEmpty ? account.bank : initials
    }

    private func isBmlCard(_ account: BankAccount) -> Bool {
        account.profileType == "BML_CREDIT" ||
        account.profileType == "BML_DEBIT" ||
        account.profileType == "BML_PREPAID"
    }

    private func contactInitials(_ name: String) -> String {
        let words = name.split(separator: " ").prefix(2)
        return words.compactMap { $0.first }.map(String.init).joined()
    }

    private func contactColor(_ source: String) -> Color {
        switch source {
        case "MIB": return primary
        case "BML": return .blue
        default:    return .purple
        }
    }

    private func bankDot(_ bank: String) -> some View {
        Circle()
            .fill(bank == "MIB" ? Color(red: 0.247, green: 0.396, blue: 0.678) : Color.blue)
            .frame(width: 10, height: 10)
    }
}

#Preview {
    TransferView()
        .environment(HomeViewModel())
}