src/modules/loans_engine.py

import streamlit as st
import pandas as pd
from datetime import datetime, date, timedelta
from Analytics.AnalyseFinance import (
    analyser_capacite,
    generer_tableau_amortissement,
    calculer_taux_endettement,
    calculer_mensualite_pret,
    SEUILS,
)
from Analytics import vortex_params
from DocumentGen.AutoPDFGeneration import generer_contrat_pret, generer_reconnaissance_dette, generer_contrat_caution
from core.id_generator import generate_next_id
from core.email_client import envoyer_email, get_admin_email, get_credential
from core.sheets_cache import clear_sheets_cache
from core import signature as sg
from core import signature_service as svc
from core.ui_guards import rendre_form_submit_protege, rendre_bouton_protege, marquer_fait, liberer
import time
import requests
import base64
import os

from modules.jasmine_widget import render_scoped_widget

# ============================================================================
# FONCTION ISOLEE — ENVOI DES CONTRATS PAR EMAIL
# ============================================================================

def envoyer_contrat_tactique(email_client, loan_data, client_data, pdf_contrat, pdf_dette, pdf_caution=None, garant_data=None):
    """Envoi des documents d'octroi (contrat, reconnaissance de dette, caution) :
    garant en CC, admin en BCC. Transport mutualise dans core.email_client.envoyer_email."""
    if not email_client or "@" not in str(email_client):
        return False, "Adresse email invalide ou manquante."

    nom_client = client_data.get('Nom_Complet', 'Client')
    id_pret = loan_data.get('ID_Pret', 'N/A')
    montant_capital = loan_data.get('Montant_Capital', 0)
    montant_total = loan_data.get('Montant_Total', 0)
    offre = loan_data.get('Offre', 'Standard')

    html_content = f"""
    <html><body style="font-family: 'Courier New', monospace; background-color: #0a0e12; color: #c9d1d9; padding: 20px;">
        <div style="border: 1px solid #58a6ff; padding: 20px; background-color: rgba(10, 14, 18, 0.8);">
            <div style="border-bottom: 1px solid rgba(88, 166, 255, 0.2); padding-bottom: 10px; margin-bottom: 20px;">
                <span style="color: #58a6ff; font-weight: bold; font-size: 16px; letter-spacing: 2px;">CONFIRMATION D'OCTROI DE PRET</span>
            </div>
            <p>CLIENT IDENTIFIE : <strong>{nom_client}</strong></p>
            <p>REFERENCE DOSSIER : <strong>{id_pret}</strong></p>
            <p>OFFRE SOUSCRITE : <strong>{offre}</strong></p>
            <div style="background-color: rgba(255, 255, 255, 0.05); padding: 15px; margin: 20px 0; border-left: 3px solid #58a6ff;">
                <p style="margin: 0 0 10px 0; color: #8b949e; font-size: 12px; text-transform: uppercase;">CAPITAL DEBLOQUE</p>
                <p style="margin: 0; font-size: 24px; color: #58a6ff; font-weight: bold;">{montant_capital:,.0f} XOF</p>
                <p style="margin: 15px 0 0 0; color: #8b949e; font-size: 12px; text-transform: uppercase;">MONTANT TOTAL A REMBOURSER</p>
                <p style="margin: 0; font-size: 18px; color: #54bd4b; font-weight: bold;">{montant_total:,.0f} XOF</p>
            </div>
            <p style="font-size: 12px; color: #8b949e; margin-top: 30px;">
                Veuillez trouver vos documents officiels (Contrat de pret, Echeancier, Reconnaissance de dette, et l'acte de caution le cas echeant) en pieces jointes (PDF). Ces documents ont ete generes automatiquement par le systeme Vortex.
            </p>
        </div>
    </body></html>
    """

    def _octets(pdf_obj):
        return pdf_obj.getvalue() if hasattr(pdf_obj, 'getvalue') else pdf_obj

    attachments = [
        (f"Contrat_{id_pret}.pdf", _octets(pdf_contrat)),
        (f"Dette_{id_pret}.pdf", _octets(pdf_dette)),
    ]
    if pdf_caution:
        attachments.append((f"Caution_{id_pret}.pdf", _octets(pdf_caution)))

    cc = None
    if garant_data:
        email_garant = str(garant_data.get('Email', ''))
        if "@" in email_garant:
            cc = email_garant

    return envoyer_email(
        to=email_client,
        subject=f"DOCUMENTS D'OCTROI DE PRET - {id_pret}",
        html_content=html_content,
        bcc=get_admin_email(),
        cc=cc,
        attachments=attachments,
        sender_name="Vortex Finance",
    )


# ============================================================================
# GESTION DU CACHE
# ============================================================================

@st.cache_data(ttl=600)
def get_cached_data(_client, sheet_name, worksheet_name):
    try:
        sh = _client.open(sheet_name)
        ws = sh.worksheet(worksheet_name)
        return pd.DataFrame(ws.get_all_records())
    except Exception as e:
        st.error(f"Erreur lors de la lecture de {worksheet_name}: {e}")
        return pd.DataFrame()


# ============================================================================
# CSS — STYLE GOTHAM / PALANTIR ALIGNÉ SUR streamlit_app.py
# ============================================================================

def apply_loans_engine_styles():
    st.markdown("""
    <style>
    @import url('https://fonts.googleapis.com/css2?family=JetBrains+Mono:wght@400;600;700;800&display=swap');

    #loans-engine-module {
        font-family: 'JetBrains Mono', 'Courier New', monospace;
    }

    /* ── OFFER SELECTION CARDS ── */
    .offer-card {
        background: rgba(10, 14, 18, 0.9);
        border: 1px solid rgba(80, 100, 120, 0.3);
        border-top: 2px solid rgba(80, 100, 120, 0.4);
        padding: 20px 18px;
        cursor: pointer;
        transition: all 0.15s ease;
        font-family: 'JetBrains Mono', monospace;
        height: 100%;
    }
    .offer-card.consumer   { border-top-color: rgba(88, 166, 255, 0.7); }
    .offer-card.decouvert  { border-top-color: rgba(138, 154, 170, 0.7); }
    .offer-card.private    { border-top-color: rgba(243, 156, 18, 0.7); }

    .offer-card.selected {
        background: rgba(15, 22, 32, 0.95);
        border-color: rgba(100, 130, 160, 0.6);
    }
    .offer-card.selected.consumer  { border-top-color: #58a6ff; box-shadow: 0 0 12px rgba(88, 166, 255, 0.15); }
    .offer-card.selected.decouvert { border-top-color: #8a9aaa; box-shadow: 0 0 12px rgba(138, 154, 170, 0.15); }
    .offer-card.selected.private   { border-top-color: #f39c12; box-shadow: 0 0 12px rgba(243, 156, 18, 0.15); }

    .offer-tag {
        font-size: 0.55rem;
        font-weight: 700;
        letter-spacing: 3px;
        text-transform: uppercase;
        margin-bottom: 10px;
        font-family: 'JetBrains Mono', monospace;
    }
    .offer-tag.consumer  { color: rgba(88, 166, 255, 0.7); }
    .offer-tag.decouvert { color: rgba(138, 154, 170, 0.7); }
    .offer-tag.private   { color: rgba(243, 156, 18, 0.7); }

    .offer-name {
        font-size: 0.85rem;
        font-weight: 800;
        letter-spacing: 2px;
        text-transform: uppercase;
        color: #a8b8c8;
        font-family: 'JetBrains Mono', monospace;
        margin-bottom: 10px;
        line-height: 1.3;
    }

    .offer-desc {
        font-size: 0.68rem;
        color: #4a5a6a;
        font-family: 'JetBrains Mono', monospace;
        line-height: 1.7;
        letter-spacing: 0.3px;
    }

    .offer-indicator {
        margin-top: 14px;
        font-size: 0.6rem;
        font-weight: 700;
        letter-spacing: 2px;
        text-transform: uppercase;
        font-family: 'JetBrains Mono', monospace;
        color: #3a4a5a;
    }
    .offer-indicator.active.consumer  { color: #58a6ff; }
    .offer-indicator.active.decouvert { color: #8a9aaa; }
    .offer-indicator.active.private   { color: #f39c12; }

    /* ── OFFER SELECTOR BUTTONS ── */
    #loans-engine-module .offer-btn button {
        background: transparent !important;
        border: 1px solid rgba(60, 80, 100, 0.3) !important;
        color: #3a4a5a !important;
        font-family: 'JetBrains Mono', monospace !important;
        font-size: 0.6rem !important;
        font-weight: 700 !important;
        letter-spacing: 1.5px !important;
        text-transform: uppercase !important;
        border-radius: 0 !important;
        padding: 5px 12px !important;
        width: 100% !important;
        margin-top: 8px !important;
    }
    #loans-engine-module .offer-btn.consumer button {
        border-color: rgba(88, 166, 255, 0.3) !important;
        color: rgba(88, 166, 255, 0.6) !important;
    }
    #loans-engine-module .offer-btn.consumer button:hover {
        border-color: #58a6ff !important;
        color: #58a6ff !important;
        background: rgba(88, 166, 255, 0.06) !important;
    }
    #loans-engine-module .offer-btn.decouvert button {
        border-color: rgba(138, 154, 170, 0.3) !important;
        color: rgba(138, 154, 170, 0.6) !important;
    }
    #loans-engine-module .offer-btn.decouvert button:hover {
        border-color: #8a9aaa !important;
        color: #8a9aaa !important;
        background: rgba(138, 154, 170, 0.06) !important;
    }
    #loans-engine-module .offer-btn.private button {
        border-color: rgba(243, 156, 18, 0.3) !important;
        color: rgba(243, 156, 18, 0.6) !important;
    }
    #loans-engine-module .offer-btn.private button:hover {
        border-color: #f39c12 !important;
        color: #f39c12 !important;
        background: rgba(243, 156, 18, 0.06) !important;
    }

    /* ── SELECTED BADGE ── */
    .offer-selected-badge {
        display: inline-block;
        font-family: 'JetBrains Mono', monospace;
        font-size: 0.6rem;
        font-weight: 700;
        letter-spacing: 2px;
        text-transform: uppercase;
        padding: 4px 10px;
        margin-bottom: 20px;
        margin-top: 4px;
        border: 1px solid;
    }
    .offer-selected-badge.consumer  { color: #58a6ff; border-color: rgba(88, 166, 255, 0.4); background: rgba(88, 166, 255, 0.06); }
    .offer-selected-badge.decouvert { color: #8a9aaa; border-color: rgba(138, 154, 170, 0.4); background: rgba(138, 154, 170, 0.06); }
    .offer-selected-badge.private   { color: #f39c12; border-color: rgba(243, 156, 18, 0.4); background: rgba(243, 156, 18, 0.06); }

    /* ── SECTION TAG ── */
    .le-section-tag {
        display: block;
        font-family: 'JetBrains Mono', monospace;
        font-size: 0.58rem;
        font-weight: 700;
        letter-spacing: 3px;
        text-transform: uppercase;
        color: #3a4a5a;
        border: 1px solid rgba(60, 80, 100, 0.25);
        padding: 3px 10px;
        margin-bottom: 16px;
        margin-top: 24px;
    }

    /* ── METRICS ── */
    #loans-engine-module [data-testid="stMetric"] {
        background: rgba(15, 20, 26, 0.85) !important;
        border: 1px solid rgba(100, 120, 140, 0.25) !important;
        border-top: 2px solid rgba(100, 120, 140, 0.5) !important;
        padding: 14px 16px !important;
        border-radius: 0 !important;
    }
    #loans-engine-module [data-testid="stMetric"] label {
        color: #5a6a7a !important;
        font-size: 0.65rem !important;
        font-weight: 700 !important;
        text-transform: uppercase !important;
        letter-spacing: 1.5px !important;
        font-family: 'JetBrains Mono', monospace !important;
    }
    #loans-engine-module [data-testid="stMetric"] [data-testid="stMetricValue"] {
        color: #a8b8c8 !important;
        font-size: 1.3rem !important;
        font-weight: 700 !important;
        font-family: 'JetBrains Mono', monospace !important;
    }

    /* ── BUTTONS ── */
    #loans-engine-module .stButton > button {
        background: transparent !important;
        border: 1px solid rgba(100, 120, 140, 0.4) !important;
        color: #7a8a9a !important;
        font-family: 'JetBrains Mono', monospace !important;
        font-size: 0.72rem !important;
        font-weight: 700 !important;
        letter-spacing: 1.5px !important;
        text-transform: uppercase !important;
        border-radius: 0 !important;
        padding: 8px 16px !important;
    }
    #loans-engine-module .stButton > button:hover {
        border-color: rgba(168, 184, 200, 0.6) !important;
        color: #a8b8c8 !important;
        background: rgba(100, 120, 140, 0.08) !important;
    }

    /* ── EXPANDERS ── */
    #loans-engine-module [data-testid="stExpander"] {
        border: 1px solid rgba(80, 100, 120, 0.3) !important;
        border-radius: 0 !important;
        background: rgba(15, 20, 26, 0.6) !important;
    }
    #loans-engine-module [data-testid="stExpander"] summary {
        font-family: 'JetBrains Mono', monospace !important;
        font-size: 0.72rem !important;
        letter-spacing: 1.5px !important;
        text-transform: uppercase !important;
        color: #5a6a7a !important;
    }

    /* ── ALERTS ── */
    #loans-engine-module .stAlert {
        border-radius: 0 !important;
        font-family: 'JetBrains Mono', monospace !important;
        font-size: 0.75rem !important;
    }

    /* ── FORM SUBMIT ── */
    #loans-engine-module [data-testid="stFormSubmitButton"] > button {
        background: transparent !important;
        border: 1px solid rgba(100, 120, 140, 0.5) !important;
        color: #7a8a9a !important;
        font-family: 'JetBrains Mono', monospace !important;
        font-size: 0.72rem !important;
        font-weight: 700 !important;
        letter-spacing: 2px !important;
        text-transform: uppercase !important;
        border-radius: 0 !important;
        padding: 10px 24px !important;
        width: 100%;
    }
    #loans-engine-module [data-testid="stFormSubmitButton"] > button:hover {
        border-color: rgba(168, 184, 200, 0.6) !important;
        color: #a8b8c8 !important;
        background: rgba(100, 120, 140, 0.08) !important;
    }
    </style>
    """, unsafe_allow_html=True)


# ============================================================================
# COMPOSANT : SÉLECTION D'OFFRE TACTIQUE
# ============================================================================

OFFRES = {
    "Offre Consumer Loan": {
        "key": "consumer",
        "tag": "// SEGMENT RETAIL",
        "desc": "Credit a la consommation destine aux particuliers.\nRemboursement hebdomadaire ou mensuel.\nMontants standards, durees courtes a moyennes.",
        "color": "#58a6ff"
    },
    "Offre Découvert Privilège": {
        "key": "decouvert",
        "tag": "// SEGMENT PREMIUM",
        "desc": "Facilite de caisse pour clients a profil etabli.\nSouplesse de remboursement personnalisee.\nAcces prioritaire et conditions negociees.",
        "color": "#8a9aaa"
    },
    "Offre Private Credit": {
        "key": "private",
        "tag": "// SEGMENT PRIVE",
        "desc": "Credit sur mesure pour projets d'envergure.\nMontants eleves, structuration sur-mesure.\nReserve aux profils analyses et valides.",
        "color": "#f39c12"
    }
}


def render_offer_selector():
    """
    Affiche le selecteur d'offre tactique (3 cartes HTML + boutons Streamlit).
    Retourne le nom de l'offre selectionnee ou None.
    """
    if 'selected_offre' not in st.session_state:
        st.session_state.selected_offre = None

    st.markdown('<span class="le-section-tag">// SELECTION DE L\'OFFRE</span>', unsafe_allow_html=True)

    cols = st.columns(3)

    for col, (offre_name, meta) in zip(cols, OFFRES.items()):
        key        = meta["key"]
        is_selected = st.session_state.selected_offre == offre_name
        card_class = f"offer-card {key} {'selected' if is_selected else ''}"
        indicator_class = f"offer-indicator {'active ' + key if is_selected else ''}"
        indicator_text  = "[ SELECTIONNE ]" if is_selected else "[ SELECTIONNER ]"

        with col:
            st.markdown(f"""
            <div class="{card_class}">
                <div class="offer-tag {key}">{meta['tag']}</div>
                <div class="offer-name">{offre_name}</div>
                <div class="offer-desc">{meta['desc'].replace(chr(10), '<br>')}</div>
                <div class="{indicator_class}">{indicator_text}</div>
            </div>
            """, unsafe_allow_html=True)

            st.markdown(f'<div class="offer-btn {key}">', unsafe_allow_html=True)
            if st.button(offre_name, key=f"btn_offre_{key}"):
                st.session_state.selected_offre = offre_name
                st.rerun()
            st.markdown('</div>', unsafe_allow_html=True)

    if st.session_state.selected_offre:
        meta = OFFRES[st.session_state.selected_offre]
        st.markdown(
            f'<span class="offer-selected-badge {meta["key"]}">'
            f'OFFRE ACTIVE : {st.session_state.selected_offre}'
            f'</span>',
            unsafe_allow_html=True
        )

    return st.session_state.selected_offre


# ============================================================================
# MAIN FUNCTION
# ============================================================================

def show_loans_engine(client, sheet_name):
    apply_loans_engine_styles()
    st.markdown('<div id="loans-engine-module">', unsafe_allow_html=True)

    st.markdown("## MOTEUR FINANCIER : OCTROI DE PRET")

    # ── SELECTION OFFRE ────────────────────────────────────────────────────
    offre_selectionnee = render_offer_selector()

    if not offre_selectionnee:
        st.markdown("""
        <div style="background:rgba(10,14,18,0.9); border:1px solid rgba(80,100,120,0.2);
                    border-left:4px solid rgba(80,100,120,0.4); padding:14px 18px; margin-top:8px;
                    font-family:'JetBrains Mono',monospace; font-size:0.75rem; color:#4a5a6a;
                    letter-spacing:0.5px;">
            SELECTIONNER UNE OFFRE CI-DESSUS POUR ACCEDER A LA CONFIGURATION DU PRET.
        </div>
        """, unsafe_allow_html=True)
        st.markdown('</div>', unsafe_allow_html=True)
        return

    # ── CHARGEMENT DONNÉES ─────────────────────────────────────────────────
    try:
        sh = client.open(sheet_name)
        df_clients = get_cached_data(client, sheet_name, "Clients_KYC")
        try:
            df_garants = get_cached_data(client, sheet_name, "Garants_KYC")
            if not df_garants.empty:
                df_garants['search_label'] = df_garants['ID_Garant'].astype(str) + " - " + df_garants['Nom_Complet'].astype(str)
        except Exception as e:
            st.error(f"Erreur sur la feuille Garants : {e}")
            df_garants = pd.DataFrame()
    except Exception as e:
        st.error(f"Erreur connexion : {e}")
        return

    # ── SÉLECTION CLIENT ───────────────────────────────────────────────────
    if df_clients.empty:
        st.error("Aucun client trouve dans la base KYC.")
        st.markdown('</div>', unsafe_allow_html=True)
        return

    st.markdown('<span class="le-section-tag">// IDENTIFICATION CIBLE</span>', unsafe_allow_html=True)

    df_clients['search_label'] = df_clients['ID_Client'].astype(str) + " - " + df_clients['Nom_Complet'].astype(str)
    selected_client_label = st.selectbox("Rechercher une cible", [""] + df_clients['search_label'].tolist())

    if not selected_client_label:
        st.markdown('</div>', unsafe_allow_html=True)
        return

    client_info = df_clients[df_clients['search_label'] == selected_client_label].iloc[0]
    client_id   = client_info['ID_Client']

    try:
        pers_charge = int(client_info.get('Pers_Charge', 0))
    except (ValueError, TypeError):
        pers_charge = 0

    st.info(f"CIBLE : {client_info['Nom_Complet']}")

    with st.expander(f"SOLVABILITE // {client_info['Nom_Complet']}", expanded=True):
        def clean_val(val):
            try:
                return float(str(val).replace("XOF","").replace(" ","").replace(",",""))
            except (ValueError, TypeError) as e:
                from core.errors import log_swallowed
                log_swallowed(f"Montant illisible pour {client_info.get('ID_Client', '?')} (valeur : {val!r})", e)
                return 0.0

        rev   = clean_val(client_info['Revenus_Mensuels'])
        chg   = clean_val(client_info['Charges_Estimees'])
        reste = rev - chg

        c1, c2, c3 = st.columns(3)
        c1.metric("Revenus Mensuels",   f"{int(rev):,} XOF".replace(",", " "))
        c2.metric("Charges Estimees",   f"{int(chg):,} XOF".replace(",", " "))
        delta_color = "normal" if reste > SEUILS["reste_a_vivre_min"]["acceptable"] else "inverse"
        c3.metric("Reste a Vivre (Net)", f"{int(reste):,} XOF".replace(",", " "),
                  delta=f"{int(reste):,}", delta_color=delta_color)
        st.markdown(f"**Profession :** {client_info['Statut_Pro']} | **Ville :** {client_info['Ville']}")

        if pers_charge >= 1:
            ipf = rev / (1 + pers_charge)
            st.info(f"IPF (Indice de Pression Familiale) : {int(ipf):,} XOF — base de calcul ajustee ({pers_charge} pers. a charge)".replace(",", " "))

    # ── SÉLECTION GARANT ───────────────────────────────────────────────────
    selected_garant = None
    garant_id       = ""

    st.markdown('<span class="le-section-tag">// GARANT (OPTIONNEL)</span>', unsafe_allow_html=True)

    if df_garants.empty:
        st.info("Aucun garant enregistre dans la base.")
    else:
        selected_garant_label = st.selectbox("Rechercher un garant (Optionnel)", [""] + df_garants['search_label'].tolist())
        if selected_garant_label:
            garant_info     = df_garants[df_garants['search_label'] == selected_garant_label].iloc[0]
            selected_garant = garant_info
            garant_id       = garant_info['ID_Garant']
            st.info(f"GARANT : {garant_info['Nom_Complet']}")
            with st.expander(f"ANALYSE CAUTION // {garant_info['Nom_Complet']}", expanded=True):
                rev_g = clean_val(garant_info['Revenus_Mensuels'])
                chg_g = clean_val(garant_info['Charges_Estimees'])
                g1, g2, g3 = st.columns(3)
                g1.metric("Revenus Garant", f"{int(rev_g):,} XOF".replace(",", " "))
                g2.metric("Charges Garant", f"{int(chg_g):,} XOF".replace(",", " "))
                g3.metric("Reste a Vivre",  f"{int(rev_g - chg_g):,} XOF".replace(",", " "))
                st.warning("ENGAGEMENT SOLIDAIRE : Le garant renonce aux benefices de discussion et de division.")

    # ── CONFIGURATION PRÊT ────────────────────────────────────────────────
    st.markdown('<span class="le-section-tag">// CONFIGURATION DU PRET</span>', unsafe_allow_html=True)

    col_motif, col_type, col_moyen = st.columns(3)
    with col_motif:
        motif = st.selectbox("Motif du pret", [
            "Commerce / Achat de stock", "Investissement", "Tresorerie professionnelle",
            "Lancement d'activite", "Developpement d'activite", "Agriculture / Elevage",
            "Transport / Logistique", "Urgence medicale", "Scolarite / Formation",
            "Logement / Habitat", "Reparations", "Evenements familiaux",
            "Voyage / Deplacement", "Consommation", "Achat d'equipement personnel",
            "Projet personnel", "Autre"
        ])
    with col_type:
        type_pret = st.selectbox("Type de remboursement", [
            "In Fine", "Mensuel - Interets", "Mensuel - Constant", "Hebdomadaire", "Personnalise"
        ])
    with col_moyen:
        moyen_transfert = st.selectbox("Moyen de transfert", ["Wave", "Orange Money", "Virement"])

    type_code_map = {
        "In Fine": "IN_FINE", "Mensuel - Interets": "MENSUEL_INTERETS",
        "Mensuel - Constant": "MENSUEL_CONSTANT", "Hebdomadaire": "HEBDOMADAIRE",
        "Personnalise": "PERSONNALISE"
    }
    type_code = type_code_map[type_pret]

    col1, col2, col3 = st.columns(3)
    montant    = col1.number_input("Montant (XOF)", 10000, value=100000, step=10000)
    taux_hebdo = col2.number_input("Taux Hebdo (%)", 0.1, value=2.0, step=0.1)

    # ── VARIABLES INIT ────────────────────────────────────────────────────
    duree_semaines    = 0
    duree_mois        = 0
    dates_versements  = []
    date_debut        = date.today()
    date_fin          = date_debut

    st.markdown('<span class="le-section-tag">// SIMULATION</span>', unsafe_allow_html=True)

    # ── SAISIE DE LA DUREE / DES ECHEANCES (widgets seulement) ───────────
    if type_code == "IN_FINE":
        duree_semaines   = col3.number_input("Duree (en semaines)", min_value=1, max_value=104, value=8)
        date_fin         = date_debut + timedelta(weeks=duree_semaines)
        dates_versements = [date_fin]

    elif type_code in ("MENSUEL_INTERETS", "MENSUEL_CONSTANT"):
        duree_mois       = col3.number_input("Duree (en mois)", min_value=1, max_value=60, value=12)
        date_fin         = date_debut + timedelta(days=duree_mois * 30)
        duree_semaines   = duree_mois * 4.33
        dates_versements = [date_debut + timedelta(days=30 * i) for i in range(1, int(duree_mois) + 1)]

    elif type_code == "HEBDOMADAIRE":
        duree_semaines   = col3.number_input("Duree (en semaines)", min_value=1, max_value=104, value=12)
        date_fin         = date_debut + timedelta(weeks=duree_semaines)
        dates_versements = [date_debut + timedelta(weeks=i) for i in range(1, int(duree_semaines) + 1)]

    else:  # PERSONNALISE
        st.info("Configurez les dates de versement ci-dessous")
        if 'dates_perso' not in st.session_state:
            st.session_state.dates_perso = [date.today() + timedelta(weeks=2)]
        col_add, _ = st.columns([1, 4])
        if col_add.button("AJOUTER ECHEANCE"):
            st.session_state.dates_perso.append(st.session_state.dates_perso[-1] + timedelta(weeks=1))
            st.rerun()
        dates_saisies = []
        for idx, dt in enumerate(st.session_state.dates_perso):
            col_d, col_x = st.columns([4, 1])
            new_date = col_d.date_input(f"Echeance {idx+1}", value=dt, key=f"d_{idx}", min_value=date.today())
            dates_saisies.append(new_date)
            if col_x.button("[ X ]", key=f"del_{idx}") and len(st.session_state.dates_perso) > 1:
                st.session_state.dates_perso.pop(idx)
                st.rerun()
        st.session_state.dates_perso = dates_saisies
        dates_versements = sorted(dates_saisies)
        if dates_versements:
            date_fin       = dates_versements[-1]
            duree_semaines = max(1, (date_fin - date_debut).days // 7)

    if not dates_versements:
        st.warning("Ajoutez au moins une echeance.")
        st.markdown('</div>', unsafe_allow_html=True)
        return

    # ── CALCUL UNIQUE (meme moteur que le simulateur : frais de transfert + forfait duree min) ──
    df_param_regles = get_cached_data(client, sheet_name, "Parametres_Vortex")
    regles = vortex_params.get_regles_actuelles_depuis_df(df_param_regles)
    calc = calculer_mensualite_pret(
        type_code, montant, taux_hebdo, duree_semaines, duree_mois,
        nb_dates_perso=len(dates_versements),
        duree_minimale_semaines=regles["Regle_Duree_Minimale_Semaines"],
        forfait_pct=regles["Regle_Forfait_Duree_Minimale_Pct"],
    )
    montant_total     = calc["montant_total"]
    cout_credit       = calc["cout_credit"]
    montant_versement = calc["mensualite"]
    nb_versements     = calc["nb_versements"]
    frais_transfert   = calc["frais_transfert"]
    forfait_applique  = calc["duree_min_non_respectee"]

    # ── METRIQUES (valeurs issues du calcul ci-dessus) ────────────────────
    libelle_versement = {
        "IN_FINE":          "Versement unique",
        "MENSUEL_INTERETS": "Interets mensuels",
        "MENSUEL_CONSTANT": "Mensualite constante",
        "HEBDOMADAIRE":     "Versement Hebdo",
        "PERSONNALISE":     "Moyenne/Versement",
    }[type_code]
    if forfait_applique:
        st.info("Duree inferieure au minimum : forfait fixe applique.")
    r1, r2, r3 = st.columns(3)
    r1.metric(libelle_versement, f"{int(montant_versement):,} XOF".replace(",", " "))
    r2.metric("Cout du credit",  f"{int(cout_credit):,} XOF".replace(",", " "))
    r3.metric("Montant Total",   f"{int(montant_total):,} XOF".replace(",", " "), delta=f"+{int(cout_credit):,}")

    # ── ANALYSE CAPACITÉ ──────────────────────────────────────────────────
    st.markdown('<span class="le-section-tag">// ANALYSE DE CAPACITE</span>', unsafe_allow_html=True)

    analyse = analyser_capacite(
        type_code, montant, taux_hebdo, duree_semaines, montant_versement, nb_versements,
        client_info['Revenus_Mensuels'], client_info.get('Charges_Estimees', 0),
        montant_total, pers_charge=pers_charge
    )
    _couleur = analyse['couleur']
    _statut  = analyse['statut']
    st.markdown(
        f"<span style='font-family:JetBrains Mono,monospace;font-size:0.8rem;"
        f"font-weight:800;color:{_couleur};letter-spacing:2px;text-transform:uppercase;'>"
        f"STATUT : {_statut}</span>",
        unsafe_allow_html=True
    )
    st.info(analyse['message'])
    with st.expander("DETAILS FINANCIERS"):
        st.markdown(analyse['details'])

    # ── TABLEAU D'AMORTISSEMENT ───────────────────────────────────────────
    st.markdown('<span class="le-section-tag">// TABLEAU D\'ECHEANCES</span>', unsafe_allow_html=True)

    date_debut = date.today()
    df_amort = generer_tableau_amortissement(
        type_code, montant, taux_hebdo, duree_semaines,
        montant_versement, nb_versements, date_debut,
        dates_versements=dates_versements,
        frais_transfert=frais_transfert,
        forfait_fixe_pct=regles["Regle_Forfait_Duree_Minimale_Pct"] if forfait_applique else None,
    )
    if not df_amort.empty:
        df_amort.insert(0, "Type", type_pret)
    st.dataframe(df_amort, hide_index=True, use_container_width=True)

    # ── TAUX D'ENDETTEMENT ────────────────────────────────────────────────
    from Analytics.AnalyseFinance import calculer_taux_endettement
    taux_endettement = calculer_taux_endettement(
        type_code, montant_versement, nb_versements, duree_semaines,
        client_info['Revenus_Mensuels'], pers_charge=pers_charge
    )
    st.info(f"TAUX D'ENDETTEMENT CALCULE : {taux_endettement:.2f}%")

    # ── VALIDATION ────────────────────────────────────────────────────────
    st.markdown('<span class="le-section-tag">// VALIDATION & OCTROI</span>', unsafe_allow_html=True)

    with st.form("valid_pret"):
        submit = rendre_form_submit_protege("[ OCTROYER & GENERER DOCS ]", cle=f"octroi_direct_{client_id}")

    if submit:
        try:
            ws_prets = sh.worksheet("Prets_Master")
            new_id   = generate_next_id(ws_prets, "PRT")

            row_data = [
                new_id,                                              # ID_Pret
                client_id,                                           # ID_Client
                client_info['Nom_Complet'],                          # Nom_Complet
                offre_selectionnee,                                  # Offre [OK]
                type_code,                                           # Type_Pret
                motif,                                               # Motif
                montant,                                             # Montant_Capital
                taux_hebdo,                                          # Taux_Hebdo
                round(taux_endettement, 2),                          # Taux_Endettement
                duree_semaines,                                      # Duree_Semaines
                round(montant_versement),                            # Montant_Versement
                round(montant_total),                                # Montant_Total
                round(cout_credit),                                  # Cout_Credit
                nb_versements,                                       # Nb_Versements
                ";".join([d.strftime("%d/%m/%Y") for d in dates_versements]) if dates_versements else "",  # Dates_Versements
                date_debut.strftime("%d/%m/%Y"),                     # Date_Deblocage
                date_fin.strftime("%d/%m/%Y"),                       # Date_Fin
                moyen_transfert,                                     # Moyen_Transfert
                sg.STATUT_PRET_EN_ATTENTE,                           # Statut : ACTIF seulement apres signature
                garant_id,                                           # ID_Garant
                datetime.now().strftime("%d/%m/%Y %H:%M:%S"),        # Date_Creation
                datetime.now().strftime("%d/%m/%Y %H:%M:%S"),        # Date_Update
            ]
            ws_prets.append_row(row_data)
            get_cached_data.clear()
            clear_sheets_cache()

            st.session_state.loan_validated = True
            st.session_state.loan_id        = new_id
            st.session_state.loan_data      = {
                "ID_Pret":          new_id,
                "Offre":            offre_selectionnee,
                "Montant_Capital":  montant,
                "Montant_Total":    montant_total,
                "Taux_Hebdo":       taux_hebdo,
                "Taux_Endettement": taux_endettement,
                "Duree_Semaines":   duree_semaines,
                "Motif":            motif,
                "Date_Deblocage":   date_debut.strftime("%d/%m/%Y"),
                "Date_Fin":         date_fin.strftime("%d/%m/%Y"),
            }
            st.session_state.client_data = client_info.to_dict()
            st.session_state.garant_data = selected_garant.to_dict() if selected_garant is not None else None
            st.session_state.df_amort    = df_amort.copy()

            # Signature electronique : le pret reste EN_ATTENTE_SIGNATURE (bloque) tant que le client
            # (et le garant) n'ont pas signe via le lien recu par email.
            snapshot_sig = sg.construire_snapshot(
                {**st.session_state.loan_data, "ID_Client": client_id, "ID_Garant": garant_id,
                 "Type_Pret": type_code, "Montant_Versement": round(montant_versement),
                 "Nb_Versements": nb_versements, "Cout_Credit": round(cout_credit),
                 "Moyen_Transfert": moyen_transfert},
                st.session_state.client_data, st.session_state.garant_data, df_amort)
            st.session_state.signature_snapshot = snapshot_sig
            try:
                st.session_state.signature_resultats = svc.lancer_signature_pret(
                    sh, id_pret=new_id, source=svc.SOURCE_MASTER, snapshot=snapshot_sig)
            except Exception as exc:
                from core.errors import log_swallowed
                log_swallowed(f"Lancement de la signature du pret {new_id} echoue", exc)
                st.session_state.signature_resultats = [
                    {"role": sg.ROLE_EMPRUNTEUR, "ok": False, "detail": f"Erreur technique : {exc}", "id_signature": None}]

            marquer_fait(f"octroi_direct_{client_id}")
            st.success(f"PRET {new_id} ENREGISTRE — EN ATTENTE DE SIGNATURE — OFFRE : {offre_selectionnee}")
        except Exception as e:
            liberer(f"octroi_direct_{client_id}")
            st.error(f"Erreur lors de l'octroi : {e}")

    # ── DOCUMENTS PDF & ENVOI MAIL ────────────────────────────────────────
    if st.session_state.get('loan_validated', False):
        st.markdown('<span class="le-section-tag">// DOCUMENTS & TRANSMISSION</span>', unsafe_allow_html=True)
        st.markdown(f"PRET **{st.session_state.loan_id}** — OFFRE : **{st.session_state.loan_data.get('Offre', '')}**")

        loan_data       = st.session_state.loan_data
        client_data     = st.session_state.client_data
        garant_data     = st.session_state.garant_data
        df_amort_saved  = st.session_state.df_amort

        # Génération unique des PDF en mémoire
        if st.session_state.get('pdf_contrat_for') != st.session_state.loan_id:
            for _k in ['pdf_contrat', 'pdf_dette', 'pdf_caution', 'pdf_contrat_for']:
                st.session_state.pop(_k, None)

        if 'pdf_contrat' not in st.session_state:
            with st.spinner("Génération des documents PDF..."):
                st.session_state.pdf_contrat = generer_contrat_pret(loan_data, client_data, df_amort_saved)
                st.session_state.pdf_dette = generer_reconnaissance_dette(loan_data, client_data)
                if garant_data is not None:
                    st.session_state.pdf_caution = generer_contrat_caution(loan_data, garant_data)
                else:
                    st.session_state.pdf_caution = None
                st.session_state.pdf_contrat_for = st.session_state.loan_id

        col_dl1, col_dl2, col_dl3 = st.columns(3)

        with col_dl1:
            st.download_button(
                "Télécharger Contrat", st.session_state.pdf_contrat,
                f"Contrat_{st.session_state.loan_id}.pdf", "application/pdf",
                use_container_width=True
            )
        with col_dl2:
            st.download_button(
                "Télécharger Dette", st.session_state.pdf_dette,
                f"Dette_{st.session_state.loan_id}.pdf", "application/pdf",
                use_container_width=True
            )
        with col_dl3:
            if st.session_state.pdf_caution:
                st.download_button(
                    "Télécharger Caution", st.session_state.pdf_caution,
                    f"Caution_{st.session_state.loan_id}.pdf", "application/pdf",
                    use_container_width=True
                )
            else:
                st.info("Aucun garant associé")

        st.divider()

        # ── Signature electronique ────────────────────────────────────────
        st.markdown('<span class="le-section-tag">// SIGNATURE ELECTRONIQUE</span>', unsafe_allow_html=True)
        resultats_sig = st.session_state.get('signature_resultats') or []
        if not resultats_sig:
            st.warning("Aucune demande de signature lancee pour ce pret.")
        for r in resultats_sig:
            if r["ok"]:
                st.success(f"{r['role'].title()} : lien de signature envoye par email.")
            else:
                st.error(f"{r['role'].title()} : {r['detail']}")
        st.caption("Le pret reste EN_ATTENTE_SIGNATURE (aucun remboursement possible) jusqu'a la signature de toutes "
                   "les parties. Suivi, relances et renvois : module Signatures.")

        col_sig, col_reset = st.columns([2, 1])

        with col_sig:
            if (not resultats_sig or any(not r["ok"] for r in resultats_sig)) and st.session_state.get('signature_snapshot'):
                if rendre_bouton_protege(
                    "RELANCER L'ENVOI DES LIENS", cle=f"lock_relance_sig_{loan_data['ID_Pret']}", use_container_width=True,
                ):
                    try:
                        st.session_state.signature_resultats = svc.lancer_signature_pret(
                            sh, id_pret=loan_data['ID_Pret'], source=svc.SOURCE_MASTER,
                            snapshot=st.session_state.signature_snapshot)
                    except Exception as exc:
                        st.error(f"Erreur technique : {exc}")
                    liberer(f"lock_relance_sig_{loan_data['ID_Pret']}")
                    st.rerun()

        with col_reset:
            if st.button("Octroyer un nouveau prêt", use_container_width=True, key="loans_engine_nouvel_octroi"):
                liberer(f"octroi_direct_{client_id}")
                for key in ['loan_validated', 'loan_id', 'loan_data', 'client_data', 'garant_data',
                            'df_amort', 'pdf_contrat', 'pdf_dette', 'pdf_caution', 'pdf_contrat_for',
                            'dates_perso', 'selected_offre', 'signature_snapshot', 'signature_resultats']:
                    st.session_state.pop(key, None)
                st.rerun()

    render_scoped_widget(
        client, sheet_name,
        scope_label=f"Octroi de prêt en cours — {client_info.get('Nom_Complet', client_id)}",
        context_data={
            "client": {"id": client_id},  # pas de nom : donnee personnelle non envoyee au LLM
            "pret": {
                "offre": offre_selectionnee,
                "montant_xof": montant,
                "montant_total_xof": montant_total,
                "taux_hebdo_pct": taux_hebdo,
                "type_pret": type_code,
                "taux_endettement_pct": taux_endettement,
                "statut_analyse": _statut,
            },
            "guide_page": (
                "Moteur d'octroi : simulation puis création effective d'un nouveau prêt. L'agent "
                "choisit le type de remboursement et le montant, le système calcule l'échéancier, "
                "le taux d'endettement et un statut de capacité, puis 'OCTROYER & GENERER DOCS' "
                "écrit le prêt dans Prets_Master (statut ACTIF) et génère les documents contractuels."
            ),
            "definitions_champs": {
                "montant_xof": "Capital demandé, saisi par l'agent.",
                "montant_total_xof": "Capital + coût du crédit — montant total à rembourser sur toute la durée.",
                "taux_hebdo_pct": "Taux d'intérêt hebdomadaire saisi par l'agent.",
                "type_pret": (
                    "Mode de remboursement : IN_FINE (versement unique en fin de période, capital+intérêts) ; "
                    "MENSUEL_INTERETS (mensualités d'intérêts seuls, capital in fine) ; "
                    "MENSUEL_CONSTANT (mensualités constantes, capital+intérêts amortis) ; "
                    "HEBDOMADAIRE (versements hebdomadaires constants) ; PERSONNALISE (échéancier à dates libres)."
                ),
                "taux_endettement_pct": "Charge mensuelle de ce prêt / revenus mensuels du client (ajustés des personnes à charge), en %.",
                "statut_analyse": "Verdict de capacité de remboursement : EXCELLENT, BON, ACCEPTABLE ou INSUFFISANT (risque élevé).",
            },
        },
        key_prefix="loans_engine",
    )