/* acme-data.jsx — All applicant records, model configs, and scoring results */

const APPLICANTS = [
  {
    id: 'APP-2024-07832',
    name: 'Maria R. Chen',
    initials: 'MC',
    ssn: '***-**-4829',
    dob: '03/15/1987',
    phone: '(503) 555-0147',
    email: 'm.chen@email.com',
    address: '1847 Oakwood Dr, Portland, OR 97205',
    employer: 'Pacific NW Health Systems',
    title: 'Sr. Operations Manager',
    yearsEmployed: '8 yrs, 3 mo',
    income: '$127,500',
    additionalIncome: '$8,200 (rental)',
    totalMonthly: '$11,308',
    product: 'Home Equity Line of Credit',
    productShort: 'HELOC',
    amount: '$85,000',
    propertyValue: '$485,000',
    currentMortgage: '$312,000',
    ltv: '81.9%',
    purpose: 'Home Renovation',
    submitted: 'Jan 15, 2025',
    score: 742,
    scoreLabel: 'Very Good',
    decision: 'Approved with Conditions',
    decisionType: 'approved-conditions',
    factors: [
      { type: 'positive', label: 'Payment history', detail: '99.2% on-time, 12+ yr history' },
      { type: 'positive', label: 'Employment stability', detail: '8+ years, consistent income growth' },
      { type: 'positive', label: 'Credit utilization', detail: '23% — below 30% threshold' },
      { type: 'warning',  label: 'DTI ratio', detail: '38.2% — elevated, within 43% policy max' },
      { type: 'neutral',  label: 'Recent inquiry', detail: 'Auto loan inquiry, 45 days ago' },
    ],
    conditions: [
      'Verify employment (current within 30 days)',
      'Property appraisal required',
      'Flood zone certification',
    ],
    inference: '847ms',
    confidence: '0.89',
  },
  {
    id: 'APP-2024-07831',
    name: 'James T. Okafor',
    initials: 'JO',
    ssn: '***-**-6214',
    dob: '11/22/1991',
    phone: '(469) 555-0283',
    email: 'j.okafor@email.com',
    address: '3209 Cedar Elm Ln, Dallas, TX 75219',
    employer: 'Lone Star Logistics Inc.',
    title: 'Fleet Coordinator',
    yearsEmployed: '2 yrs, 8 mo',
    income: '$68,400',
    additionalIncome: '—',
    totalMonthly: '$5,700',
    product: 'Auto Loan',
    productShort: 'Auto',
    amount: '$34,200',
    propertyValue: '—',
    currentMortgage: '—',
    ltv: '—',
    purpose: 'Vehicle Purchase',
    submitted: 'Jan 14, 2025',
    score: 681,
    scoreLabel: 'Good',
    decision: 'Manual Review Required',
    decisionType: 'review',
    factors: [
      { type: 'positive', label: 'Income stability', detail: 'Consistent direct deposits, 32 mo' },
      { type: 'warning',  label: 'Credit history length', detail: '4.2 years — below 7 yr benchmark' },
      { type: 'warning',  label: 'Payment history', detail: '1 late payment (31 days), 18 mo ago' },
      { type: 'positive', label: 'Credit utilization', detail: '18% — well below threshold' },
      { type: 'neutral',  label: 'Account mix', detail: 'Limited variety (2 revolving, 0 installment)' },
    ],
    conditions: [
      'Manual review by senior analyst required',
      'Additional income verification',
    ],
    inference: '912ms',
    confidence: '0.74',
  },
  {
    id: 'APP-2024-07830',
    name: 'Susan M. Park',
    initials: 'SP',
    ssn: '***-**-1057',
    dob: '06/03/1979',
    phone: '(312) 555-0891',
    email: 's.park@email.com',
    address: '714 N Michigan Ave, Apt 2201, Chicago, IL 60611',
    employer: 'Midwest Financial Partners',
    title: 'Managing Director',
    yearsEmployed: '14 yrs, 1 mo',
    income: '$245,000',
    additionalIncome: '$32,500 (investments)',
    totalMonthly: '$23,125',
    product: 'Personal Line of Credit',
    productShort: 'Personal',
    amount: '$50,000',
    propertyValue: '—',
    currentMortgage: '$189,000',
    ltv: '—',
    purpose: 'Investment Capital',
    submitted: 'Jan 14, 2025',
    score: 798,
    scoreLabel: 'Excellent',
    decision: 'Approved',
    decisionType: 'approved',
    factors: [
      { type: 'positive', label: 'Payment history', detail: '100% on-time, 22 yr history' },
      { type: 'positive', label: 'Employment stability', detail: '14+ years, executive role' },
      { type: 'positive', label: 'Credit utilization', detail: '9% — excellent' },
      { type: 'positive', label: 'Account diversity', detail: '8 accounts, strong mix' },
      { type: 'positive', label: 'DTI ratio', detail: '14.3% — well within limits' },
    ],
    conditions: [],
    inference: '783ms',
    confidence: '0.96',
  },
  {
    id: 'APP-2024-07829',
    name: 'Robert A. Davis',
    initials: 'RD',
    ssn: '***-**-3381',
    dob: '02/17/1985',
    phone: '(404) 555-0562',
    email: 'r.davis@email.com',
    address: '1920 Peachtree Rd NE, Atlanta, GA 30309',
    employer: 'Self-employed (Davis Contracting)',
    title: 'Owner',
    yearsEmployed: '3 yrs, 6 mo',
    income: '$92,000',
    additionalIncome: '—',
    totalMonthly: '$7,667',
    product: 'Mortgage Refinance',
    productShort: 'Refi',
    amount: '$420,000',
    propertyValue: '$465,000',
    currentMortgage: '$398,000',
    ltv: '90.3%',
    purpose: 'Rate Reduction',
    submitted: 'Jan 13, 2025',
    score: 583,
    scoreLabel: 'Fair',
    decision: 'Declined',
    decisionType: 'declined',
    factors: [
      { type: 'warning',  label: 'Payment history', detail: '3 late payments in last 24 months' },
      { type: 'warning',  label: 'DTI ratio', detail: '47.1% — exceeds 43% policy max' },
      { type: 'warning',  label: 'LTV ratio', detail: '90.3% — exceeds 85% threshold for refi' },
      { type: 'neutral',  label: 'Self-employment', detail: 'Income volatility, limited tax history' },
      { type: 'positive', label: 'Credit utilization', detail: '31% — slightly above target' },
    ],
    conditions: [],
    inference: '891ms',
    confidence: '0.92',
  },
];

const MODELS = {
  'acme-credit-v3.2': { label: 'v3.2 (Llama 3.1 70B)', engine: 'KAITO on AKS' },
  'acme-credit-v3.1': { label: 'v3.1 (Mistral 7B)', engine: 'KAITO on AKS' },
  'acme-credit-v2.8': { label: 'v2.8 (Legacy Rules)', engine: 'On-Prem Cluster' },
};

Object.assign(window, { APPLICANTS, MODELS });
