// Rule-based guidance engine — turns the app's own data into plain-language
// next steps, the way Legacy Logic's "personalized report" and Rafiq's
// contextual coaching do. Deliberately rule-based against data already
// captured in this app, not a call to an external model: every recommendation
// here traces to a concrete fact (an unverified asset, a missing attestor,
// zero policies logged), not a generated guess.
export function buildRecommendations(data) {
  const {
    exposedTotal = 0, exposedCount = 0, unverifiedCount = 0, wassiyahCount = 0, estateTotal = 0,
    insuranceCount = 0, zakatConfigured = false, hasCashOrGold = false, unlinkedLiabilityCount = 0,
    confirmedAttestorCount = 0, hasAgent = false, waqfConfigured = false
  } = data;

  const items = [];

  if (exposedTotal > 0) {
    items.push({
      severity: 'high',
      text: `${exposedCount} asset${exposedCount === 1 ? ' is' : 's are'} still exposed to the slow Faraid/probate queue (${exposedTotal.toLocaleString()} total). Cover the highest-value one first — Hibah, Waqf, or a Nomination.`,
      tab: 'Coverage'
    });
  }
  if (estateTotal > 0 && wassiyahCount === 0) {
    items.push({ severity: 'medium', text: 'No Wassiyah bequests recorded yet. Up to a third of your estate can go to non-heirs or charity — worth setting up even alongside Faraid.', tab: 'Wassiyah' });
  }
  if (unverifiedCount > 0) {
    items.push({ severity: 'medium', text: `${unverifiedCount} asset${unverifiedCount === 1 ? '' : 's'} still unverified — attach proof (title, grant, cover note) and get it confirmed so there's no dispute later.`, tab: 'Assets' });
  }
  if (unlinkedLiabilityCount > 0) {
    items.push({ severity: 'low', text: `${unlinkedLiabilityCount} liabilit${unlinkedLiabilityCount === 1 ? 'y is' : 'ies are'} not linked to the asset securing it — link it so the net estate calculation stays accurate.`, tab: 'Assets' });
  }
  if (insuranceCount === 0) {
    items.push({ severity: 'low', text: 'No life or Takaful policies logged. If you have any, add them — payouts usually go straight to a named beneficiary, outside Faraid entirely.', tab: 'Insurance' });
  }
  if (hasCashOrGold && !zakatConfigured) {
    items.push({ severity: 'low', text: 'You have cash or gold logged but no Zakat calculation set up. Check whether you\'re above Nisab this year.', tab: 'Zakat' });
  }
  if (confirmedAttestorCount < 2) {
    items.push({ severity: 'medium', text: 'Fewer than 2 attestors are confirmed on your death trigger. Without them, your mutawalli/agent can\'t fire the trigger when the time comes.', tab: 'Trigger' });
  }
  if (!hasAgent) {
    items.push({ severity: 'low', text: 'No estate agent/mutawalli assigned to this family yet. Without one, only the owner can execute triggers and confirm assets.', tab: 'Family' });
  }
  if (estateTotal > 0 && !waqfConfigured) {
    items.push({ severity: 'low', text: 'No Waqf designation set up. If any part of your estate is meant as a lasting charitable endowment, this is where to set it aside.', tab: 'Family Waqf' });
  }

  const order = { high: 0, medium: 1, low: 2 };
  return items.sort((a, b) => order[a.severity] - order[b.severity]);
}