<?php namespace App\LoanHypothecation;

use App\ConsumerApplication;
use App\ConsumerApplicationFiles;
use App\DigitalSignDetails;
use App\Http\Controllers\Admin\ConsumerDocument;
use App\LoanHypothecationModel;
use App\Logging\CloudWatchLoggerFactory;
use App\Slack;
use App\Vivriti;
use Carbon\Carbon;
use Illuminate\Support\Facades\Storage;
use Illuminate\Http\Request;
use Illuminate\Support\Facades\App;
use Illuminate\Support\Facades\Auth;
use Illuminate\Support\Facades\DB;
use Illuminate\Support\Facades\Mail;
use Illuminate\Support\Facades\View;
use App\Http\Controllers\ApiController;
use App\Http\Controllers\Admin\ConsumerApplicationController;
use App\Jobs\AutoDCD;

/**
 * Digio e-Sign integration for Loan Hypothecation.
 *
 * Acts as a drop-in replacement for the Leegality integration.
 * Both providers follow the same signing workflow:
 *   1. Create a sign request → returns signer URLs.
 *   2. Receive a webhook when each signer completes.
 *   3. Fetch and store the signed document once all parties have signed.
 *
 * Digio API reference: https://documentation.digio.in/digisign/api_integration/create_sign_request/
 *
 * Environment variables required:
 *   DIGIO_BASE_URL            – e.g. https://api.digio.in  (production)
 *                               or https://ext.digio.in    (sandbox)
 *   DIGIO_CLIENT_ID           – Digio client_id for Basic Auth
 *   DIGIO_CLIENT_SECRET       – Digio client_secret for Basic Auth
 *   DIGIO_EXPIRE_IN_DAYS      – (optional) Days before the signing link expires; default 30
 *   DIGIO_NOTIFY_SIGNERS      – (optional) true/false; default true
 *   DIGIO_SEND_SIGN_LINK      – (optional) true/false; default true
 */
class DigioHypothecation
{
    /** @var Request */
    private $request;

    /** @var string  Resolved Digio base URL */
    private $baseUrl;

    /** @var string|null  Lender entity override (e.g. Vivriti::$lender_id) */
    private $entity = null;

    /** @var bool  Whether this request is for fetching a signed document */
    private $fetch = false;

    /** @var int|null  Application id used during document-fetch flow */
    private $application_id = null;

    // -------------------------------------------------------------------------
    // Digio API endpoint paths (appended to $baseUrl)
    // -------------------------------------------------------------------------
    const ENDPOINT_CREATE   = '/v2/client/document/uploadpdf';
    const ENDPOINT_DOCUMENT = '/v2/client/document/';          // append {id}
    const ENDPOINT_DOWNLOAD = '/v2/client/document/download';  // ?id={id}
    const ENDPOINT_RESEND   = '/v2/client/document/resend';

    // -------------------------------------------------------------------------
    // Public interface (mirrors LoanHypothecation)
    // -------------------------------------------------------------------------

    public function __construct(Request $request)
    {
        $this->request = $request;
        $this->baseUrl = rtrim(_env('DIGIO_BASE_URL', 'https://api.digio.in'), '/');
    }

    /**
     * Initiate (or re-use) a hypothecation signing request via Digio.
     * Returns the first active signer URL on success, false on failure.
     */
    public function initiateHypothecation(array $config = [])
    {
        // Honour Vivriti-lender override if present
        if ($this->request->get('application') &&
            $this->request->get('application')->lender_id == Vivriti::$lender_id) {
            $this->entity = Vivriti::$lender_id;
        }

        return $this->createSignRequest();
    }

    /**
     * Re-send signing notifications to pending signers.
     */
    public function resendNotification()
    {
        $loanHypothecationModel = LoanHypothecationModel::where('application_id', $this->request->get('id'))->whereNull('deleted_at')
            ->orderBy('created_at', 'desc')
            ->where('status', 'pending')
            ->first();

        if (!$loanHypothecationModel) {
            return false;
        }

        $response    = json_decode($loanHypothecationModel->response);
        $document_id = $loanHypothecationModel->documentId;

        // Digio resend: POST /v2/client/document/resend  { id, identifier }
        // We iterate over each pending signer and trigger resend per identifier.
        $signers = $response->signers ?? [];
        foreach ($signers as $signer) {
            if (($signer->status ?? '') !== 'signed') {
                $payload = [
                    'id'         => $document_id,
                    'identifier' => $signer->identifier ?? ($signer->email ?? ''),
                ];
                $this->makeRequest('POST', $this->baseUrl . self::ENDPOINT_RESEND, $payload);
            }
        }

        return true;
    }

    /**
     * Send (or re-send) signing-link emails to each pending signer.
     *
     * This is the Digio-aware counterpart of LoanHypothecation::triggerHypothecationCommunication().
     * The critical difference: link extraction uses getHypothecationLink() which reads Digio's
     * response shape  { signers: [ { identifier, signing_url } ] }  instead of Leegality's
     * { data: { invitees: [ { phone, email, signUrl } ] } }.
     *
     * Return values mirror the Leegality version:
     *   0 – emails sent successfully
     *   1 – no LoanHypothecationModel record found (not yet initiated)
     *   2 – already fully signed
     *   3 – mail exception
     */
    public function triggerHypothecationCommunication(int $id)
    {
        $apiController       = new ApiController();
        $isHypothecationActive = $apiController->canHypothecated($id);

        if (!$isHypothecationActive) {
            return 1;
        }

        $consumer_details = ConsumerApplication::with('merchant', 'category')
            ->where('id', $id)
            ->first();

        $exceptional_ids = explode(',', _env('STAMP_SERIES_SPECIFIC_CASES'));
        if (isset($consumer_details->approved_amount)
            && $consumer_details->approved_amount <= 500000
            && !in_array($this->request->get('id'), $exceptional_ids)) {
            $first_party_email = _env('LEEGALITY_CF_PARTY_EMAIL');
            $first_party_phone = _env('LEEGALITY_CF_PARTY_PHONE');
        } else {
            $first_party_email = _env('LEEGALITY_FIRST_PARTY_EMAIL');
            $first_party_phone = _env('LEEGALITY_FIRST_PARTY_PHONE');
        }

        $applicant_name      = $consumer_details['name'];
        $co_applicant_name   = $consumer_details['co_applicant_name'];
        $merchant_name       = $consumer_details->merchant->merchant_name;
        $purpose_of_the_loan = $consumer_details->category->name;
        $applicant_email     = (strlen($consumer_details->email) > 0)
            ? wall_decrypt($consumer_details->email) : '';
        $co_applicant_email  = (strlen($consumer_details->co_applicant_email) > 0)
            ? wall_decrypt($consumer_details->co_applicant_email) : '';
        $subject = 'Signing of Loan Agreement';

        $user = [
            'customer_name'       => $applicant_name,
            'co_applicant_name'   => $co_applicant_name,
            'merchant_name'       => $merchant_name,
            'purpose_of_the_loan' => $purpose_of_the_loan,
        ];

        $loanHypothecationModel = LoanHypothecationModel::where('application_id', $id)->whereNull('deleted_at')
            ->orderBy('created_at', 'desc')
            ->first();

        if (!isset($loanHypothecationModel->id)) {
            return 1;
        }

        if ($loanHypothecationModel->status === 'success') {
            return 2;
        }

        // Parse the stored Digio response – signers[].signing_url
        $data           = json_decode($loanHypothecationModel->response);
        $applicant_link = $co_applicant_link = $first_party_link = '';

        if (!$loanHypothecationModel->applicant_signing) {
            $applicant_link = (string)$this->getHypothecationLink(
                $data, $consumer_details->mobile_number, $consumer_details->email
            );
        } elseif (!$loanHypothecationModel->co_applicant_signing) {
            $co_applicant_link = (string)$this->getHypothecationLink(
                $data, $consumer_details->co_applicant_mobile_number, $consumer_details->co_applicant_email
            );
        } elseif (!$loanHypothecationModel->first_party_signing) {
            $first_party_link = (string)$this->getHypothecationLink(
                $data, $first_party_phone, $first_party_email
            );
        }

        // ---- Send applicant email -------------------------------------------
        if ($applicant_link !== '') {
            $user['esignlink']   = $applicant_link;
            $dataview['user']    = $user;
            $body = View::make('emails.consumer_esign_mail', $dataview)->render();
            try {
                if ($applicant_email !== '') {
                    Mail::send('emails.blank', ['body' => $body],
                        function ($message) use ($applicant_email, $subject) {
                            $message->to($applicant_email)->subject($subject);
                        });
                }
            } catch (\Exception $e) {
                (new Slack(new Request(['title' => 'Digio Email exception', 'fields' => [
                    'Message' => $e->getMessage(), 'Line' => $e->getLine(), 'File' => $e->getFile(),
                    'Trace'   => $e->getTraceAsString(),
                ]])))->send();
                return 3;
            }
        }

        // ---- Send co-applicant email ----------------------------------------
        if ($co_applicant_link !== '') {
            $user['esignlink']   = $co_applicant_link;
            $dataview['user']    = $user;
            $body = View::make('emails.consumer_esign_mail', $dataview)->render();
            try {
                if ($co_applicant_email !== '') {
                    Mail::send('emails.blank', ['body' => $body],
                        function ($message) use ($co_applicant_email, $subject) {
                            $message->to($co_applicant_email)->subject($subject);
                        });
                }
            } catch (\Exception $e) {
                (new Slack(new Request(['title' => 'Digio Email exception', 'fields' => [
                    'Message' => $e->getMessage(), 'Line' => $e->getLine(), 'File' => $e->getFile(),
                    'Trace'   => $e->getTraceAsString(),
                ]])))->send();
                return 3;
            }
        }

        // ---- Send first-party (lender) email --------------------------------
        if ($first_party_link !== '') {
            $user['esignlink']   = $first_party_link;
            $dataview['user']    = $user;
            $body = View::make('emails.consumer_esign_mail', $dataview)->render();
            try {
                if ($first_party_email !== '') {
                    Mail::send('emails.blank', ['body' => $body],
                        function ($message) use ($first_party_email, $subject) {
                            $message->to($first_party_email)->subject($subject);
                        });
                }
            } catch (\Exception $e) {
                (new Slack(new Request(['title' => 'Digio Email exception', 'fields' => [
                    'Message' => $e->getMessage(), 'Line' => $e->getLine(), 'File' => $e->getFile(),
                    'Trace'   => $e->getTraceAsString(),
                ]])))->send();
                return 3;
            }
        }

        return 0;
    }

    /**
     * Fetch and store the signed document + audit trail from Digio.
     *
     * @param int    $id          Application ID
     * @param int    $lender_id   Lender ID
     * @param string $documentId  Digio document ID
     */
    public function fetchDocuments(int $id, int $lender_id, string $documentId)
    {
        if ($lender_id == Vivriti::$lender_id) {
            $this->entity = Vivriti::$lender_id;
        }

        $this->fetch          = true;
        $this->application_id = $id;

        // Download the signed document
        $signedPdfUrl   = $this->baseUrl . self::ENDPOINT_DOWNLOAD . '?id=' . $documentId;
        $signedResponse = $this->makeRequest('GET', $signedPdfUrl);

        // Download the audit trail (Digio appends ?type=audit_trail)
        $auditUrl      = $this->baseUrl . self::ENDPOINT_DOWNLOAD . '?id=' . $documentId . '&type=audit_trail';
        $auditResponse = $this->makeRequest('GET', $auditUrl);

        $this->saveDocuments($signedResponse, $auditResponse, $documentId, $id);
    }
    public function updateHypothecation(int $application_id, int $id = 0, string $signer = '')
    {
        $loanHypothecationModel = LoanHypothecationModel::where('application_id', $application_id)->whereNull('deleted_at')
            ->orderBy('created_at', 'desc')
            ->first(['id', 'applicant_signing', 'co_applicant_signing', 'first_party_signing']);

        if (!$loanHypothecationModel) {
            return false;
        }

        if ($signer === 'applicant') {
            LoanHypothecationModel::where('id', $loanHypothecationModel->id)
                ->update(['applicant_signing' => 1]);
            $this->createDigitalSigned($application_id, 1);
            return true;
        }

        if ($signer === 'co_applicant') {
            LoanHypothecationModel::where('id', $loanHypothecationModel->id)
                ->update(['co_applicant_signing' => 1]);
            $this->createDigitalSigned($application_id, 2);
            return true;
        }

        if ($signer === 'first_party') {
            LoanHypothecationModel::where('id', $loanHypothecationModel->id)
                ->update(['first_party_signing' => 1, 'status' => 'success']);
            return true;
        }

        return false;
    }

    // -------------------------------------------------------------------------
    // Private – Digio API calls
    // -------------------------------------------------------------------------

    /**
     * Build the sign-request payload and POST it to Digio.
     * Maps Leegality-style data (invitees, stamped PDF) to Digio's format.
     *
     * @return string|false  First active signer URL, or false on error.
     */
    private function createSignRequest()
    {
        $data    = $this->getData();
        $application = $data['application'];

        // ---- Determine stamp series (same logic as Leegality) ---------------
        $exceptional_ids = explode(',', _env('STAMP_SERIES_SPECIFIC_CASES'));
        $stamp_series    = (isset($application->approved_amount)
            && $application->approved_amount <= 500000
            && !in_array($this->request->get('id'), $exceptional_ids))
            ? _env('DIGIO_STAMP_SERIES', 'MH-500-Homeville')
            : 'DL-300-undefined';

        if ($application->lender_id == \App\BlackSoil::$lender_id) {
            $stamp_series = 'DL-300-';
        }

        // ---- Generate and base64-encode the PDF (same helper as Leegality) --
        $pdfBase64  = $this->getHypothecationAgreement($stamp_series);
        $expireDays = (int)_env('DIGIO_EXPIRE_IN_DAYS', 30);

        // ---- Map invitees → Digio signers -----------------------------------
        $signers = $this->buildSigners($application, $exceptional_ids);

        // ---- Build Digio request body ---------------------------------------
        $payload = [
            'file_name'       => 'LoanAgreement_' . $this->request->get('id') . '.pdf',
            'file_data'       => $pdfBase64,          // Base64 PDF
            'signers'         => $signers,
            'expire_in_days'  => $expireDays,
            'notify_signers'  => (bool)_env('DIGIO_NOTIFY_SIGNERS', true),
            'send_sign_link'  => (bool)_env('DIGIO_SEND_SIGN_LINK', true),
            'include_authentication_url' => true,
            'sequential'      => false,               // All signers can sign in parallel
            'display_on_page' => 'all',
            "estamp_request" =>["tags" =>[$stamp_series => 1]]
        ];

        $url      = $this->baseUrl . self::ENDPOINT_CREATE;
        $response = $this->makeRequest('POST', $url, $payload);

        if (!$response) {
            return false;
        }

        return $this->handleCreateResponse($response);
    }

    /**
     * Build the `signers` array for Digio from application data.
     * Mirrors LoanHypothecation::getInvitees().
     */
    private function buildSigners($application, array $exceptional_ids): array
    {
        $signers = [];

        // Primary applicant
        $signers[] = [
            'identifier' => $application->mobile_number ?: $application->email,
            'name'       => $application->name,
            'reason'     => 'Loan Agreement Signing – Applicant',
            'sign_type'  => 'aadhaar',
        ];

        // Co-applicant (if present)
        if (!empty($application->co_applicant_name) &&
            ($application->co_applicant_mobile_number || $application->co_applicant_email)) {
            $signers[] = [
                'identifier' => $application->co_applicant_mobile_number ?: $application->co_applicant_email,
                'name'       => $application->co_applicant_name,
                'reason'     => 'Loan Agreement Signing – Co-Applicant',
                'sign_type'  => 'aadhaar',
            ];
        }

        // First party (lender / CreditFair) – only for non-Vivriti lenders
        if ($this->entity != Vivriti::$lender_id) {
            $isSmallLoan = isset($application->approved_amount)
                && $application->approved_amount <= 500000
                && !in_array($this->request->get('id'), $exceptional_ids);

            if ($application->lender_id != \App\BlackSoil::$lender_id) {
                if ($isSmallLoan) {
                $signers[] = [
                    'identifier' => _env('LEEGALITY_CF_PARTY_EMAIL'),   // reuse same config
                    'name'       => _env('LEEGALITY_CF_PARTY_NAME'),
                    'reason'     => 'Loan Agreement Signing – First Party',
                    'sign_type'  => 'aadhaar',
                ];
            } else {
                $signers[] = [
                    'identifier' => _env('LEEGALITY_FIRST_PARTY_EMAIL'),
                    'name'       => _env('LEEGALITY_FIRST_PARTY_NAME'),
                    'reason'     => 'Loan Agreement Signing – First Party',
                    'sign_type'  => 'aadhaar',
                ];
            }
        }else{


                 $signers[] = [
                    'identifier' => 'esign@creditfair.in',   // reuse same config
                    'name'       => 'Blacksoil Capital Private Limited',
                    'reason'     => 'Loan Agreement Signing – First Party',
                    'sign_type'  => 'aadhaar',
                ];
            }
        }

        return $signers;
    }

    /**
     * Parse Digio's response to a create-sign-request call.
     * Stores the record in LoanHypothecationModel and returns the first signer URL.
     *
     * Digio response shape:
     * {
     *   "id": "DID...",
     *   "status": "requested",
     *   "signing_url": "https://app.digio.in/...",   <- first-signer URL (may not exist)
     *   "signers": [
     *     { "identifier": "...", "name": "...", "status": "requested",
     *       "sign_url": "https://app.digio.in/..." },
     *     ...
     *   ]
     * }
     */
    private function handleCreateResponse($response)
    {
        $id = $response->id ?? null;

        if (!$id) {
            return false;
        }

        // Persist to LoanHypothecationModel (same table as Leegality)
        $loanHypothecationModel = new LoanHypothecationModel();
        $loanHypothecationModel->fill([
            'application_id'       => $this->request->get('id'),
            'documentId'           => $id,
            'response'             => json_encode($response),
            'status'               => 'pending',
            'first_party_signing'  => 0,
            'applicant_signing'    => 0,
            'co_applicant_signing' => 0,
            'created'              => Carbon::now()->toDateTimeString(),
        ]);
        $loanHypothecationModel->save();

        // Return the first active signer's URL
        $signers = $response->signers ?? [];
        foreach ($signers as $signer) {
            if (($signer->status ?? '') !== 'signed' && !empty($signer->signing_url ?? $signer->sign_url ?? '')) {
                return $signer->signing_url ?? $signer->sign_url;
            }
        }

        // Fallback to top-level signing_url
        return $response->signing_url ?? false;
    }

    // -------------------------------------------------------------------------
    // Private – HTTP helper
    // -------------------------------------------------------------------------

    /**
     * Execute a cURL request against the Digio API.
     * Authentication: HTTP Basic Auth (client_id:client_secret).
     *
     * @param string     $method   GET | POST
     * @param string     $url      Full URL
     * @param array|null $payload  JSON body (for POST)
     * @return object|string|false  Parsed JSON response object, raw string for binary,
     *                              or false on error.
     */
    private function makeRequest(string $method, string $url, ?array $payload = null)
    {
        $clientId     = _env('DIGIO_CLIENT_ID');
        $clientSecret = _env('DIGIO_CLIENT_SECRET');

        $curl = curl_init();

        $headers = [
            'Content-Type: application/json',
        ];

        $options = [
            CURLOPT_URL            => $url,
            CURLOPT_RETURNTRANSFER => true,
            CURLOPT_ENCODING       => '',
            CURLOPT_MAXREDIRS      => 10,
            CURLOPT_TIMEOUT        => 60,
            CURLOPT_HTTP_VERSION   => CURL_HTTP_VERSION_1_1,
            CURLOPT_CUSTOMREQUEST  => strtoupper($method),
            CURLOPT_USERPWD        => $clientId . ':' . $clientSecret,  // Basic Auth
            CURLOPT_HTTPAUTH       => CURLAUTH_BASIC,
        ];

        if ($payload !== null && strtoupper($method) === 'POST') {
            $options[CURLOPT_POSTFIELDS] = json_encode($payload);
        }

        $options[CURLOPT_HTTPHEADER] = $headers;

        curl_setopt_array($curl, $options);

        $response = curl_exec($curl);
        $err      = curl_error($curl);
        curl_close($curl);

        // Log to CloudWatch
        $cwFactory = new CloudWatchLoggerFactory();
        $logData   = [
            'application_id' => $this->request->get('id'),
            'user_id'        => Auth::user()->id ?? '',
            'vendor'         => 'digio',
            'api_url'        => $url,
            'Response'       => is_string($response) ? substr($response, 0, 2000) : $response,
            'error_msg'      => $err ?? '',
        ];
        $cwFactory->logger(json_encode($logData));


        $payloadForLog = $payload;
        unset($payloadForLog['file_data']);

        // Slack notification (mirrors Leegality logging)
        (new Slack(new Request([
            'title'  => 'Digio',
            'fields' => ['url' => $url, 'res' => is_string($response) ? substr($response, 0, 500) : '', 'req' => json_encode($payloadForLog)],
            'group'  => Slack::$STAGE_TESTING,
        ])))->send();

        if ($err) {
            return false;
        }

        // Attempt JSON decode; return raw string if it fails (e.g. binary PDF)
        $decoded = json_decode($response);
        return ($decoded === null && json_last_error() !== JSON_ERROR_NONE)
            ? $response
            : $decoded;
    }

    // -------------------------------------------------------------------------
    // Private – Document storage
    // -------------------------------------------------------------------------

    /**
     * Save the signed PDF and audit trail to S3, then record in consumer_application_files.
     *
     * @param mixed  $signedResponse  Raw PDF bytes (or JSON with base64) from Digio download
     * @param mixed  $auditResponse   Raw PDF bytes for audit trail
     * @param string $documentId      Digio document ID
     * @param int    $applicationId   Our application ID
     */
    private function saveDocuments($signedResponse, $auditResponse, string $documentId, int $applicationId)
    {
        $s3 = Storage::disk('s3');

        // Digio returns raw PDF bytes for download; store directly
        $fileName  = 'loan_agreement_esign';
        $path      = $applicationId . '/' . $fileName . '.pdf';

        // Handle both raw binary and base64-encoded responses
        $pdfContent = is_object($signedResponse) && isset($signedResponse->file)
            ? base64_decode($signedResponse->file)
            : (string)$signedResponse;

        $s3->put($path, $pdfContent);
        $this->saveToFile($fileName, $path, $applicationId);

        // Audit trail
        $auditFileName = 'auditTrail';
        $auditPath     = $applicationId . '/' . $auditFileName . '.pdf';

        $auditContent = is_object($auditResponse) && isset($auditResponse->file)
            ? base64_decode($auditResponse->file)
            : (string)$auditResponse;

        $s3->put($auditPath, $auditContent);
        $this->saveToFile($auditFileName, $auditPath, $applicationId);

        // Raw response JSON
        $jsonPath = $applicationId . '/digio_hypothecation_response.json';
        $s3->put($jsonPath, json_encode(['documentId' => $documentId]));
    }

    /**
     * Insert a record into consumer_application_files (mirrors LoanHypothecation::saveToFile).
     */
    private function saveToFile(string $fileName, string $path, int $applicationId)
    {
        $consumerApplicationFile                    = new ConsumerApplicationFiles();
        $consumerApplicationFile->consumer_application_id = $applicationId;
        $consumerApplicationFile->file_type         = $fileName;
        $consumerApplicationFile->bank_name         = '';
        $consumerApplicationFile->password          = '';
        $consumerApplicationFile->accounttype       = '';
        $consumerApplicationFile->statementtype     = '';
        $consumerApplicationFile->statemenfilettype = '';
        $consumerApplicationFile->customer_id       = '';
        $consumerApplicationFile->provider          = '';
        $consumerApplicationFile->finbit_analysis_date = '';
        $consumerApplicationFile->bp_number         = '';
        $consumerApplicationFile->accountUID        = '';
        $consumerApplicationFile->file_path         = $path;
        $consumerApplicationFile->created_by        = Auth::user()->id ?? 107;
        $consumerApplicationFile->image_score       = '';
        $consumerApplicationFile->m_generated       = 1;
        $consumerApplicationFile->applicant_type    = 1;
        $consumerApplicationFile->bureau_report_type  = '';
        $consumerApplicationFile->bureau_report_score = '';
        $consumerApplicationFile->is_masked         = 0;
        $consumerApplicationFile->save();
    }

    // -------------------------------------------------------------------------
    // Private – Signing link helpers (mirrors LoanHypothecation)
    // -------------------------------------------------------------------------

    /**
     * Find the signing URL for a specific signer (matched by phone or email).
     * Works against the Digio response stored in LoanHypothecationModel::response.
     *
     * Digio response stores signers as:
     *   { "signers": [ { "identifier": "mobile|email", "signing_url": "..." } ] }
     */
    public function getHypothecationLink($response, ?string $phone, ?string $email): ?string
    {
        $signers = $response->signers ?? [];
        foreach ($signers as $signer) {
            if ($signer->identifier == $phone || $signer->identifier == $email) {
                return $signer->signing_url ?? $signer->sign_url ?? null;
            }
        }
        return null;
    }

    // -------------------------------------------------------------------------
    // Private – Shared helpers (copied from LoanHypothecation)
    // -------------------------------------------------------------------------

    private function getData(): array
    {
        $data = [];
        if (!$this->request->has('application')) {
            $data['application'] = ConsumerApplication::where('id', $this->request->get('id'))->first([
                'name',
                'mobile_number',
                'email',
                'co_applicant_name',
                'co_applicant_mobile_number',
                'co_applicant_email',
                'approved_amount',
            ]);
        } else {
            $data['application'] = $this->request->get('application');
        }
        return $data;
    }

    /**
     * Render the hypothecation agreement PDF (identical to LoanHypothecation::getHypothecationAgreement).
     *
     * @param string $stamp_series
     * @return string  Base64-encoded PDF
     */
    public function getHypothecationAgreement(string $stamp_series): string
    {
        $type    = 'Loan Agreement Esign';
        $request = new Request();
        $request->request->add(['type' => $type]);

        $consumerDocument  = new ConsumerDocument($request);
        $viewParameter     = $consumerDocument->getDocument($this->request->get('id'));

        $pdf = App::make('snappy.pdf.wrapper');

        $apiController = new ApiController();
        $isHypothecationActive = $apiController->canHypothecated($this->request->get('id'));

        $save_agreement_document_details = [
            'isInsuranceTaken' => 1,
            'user'             => $viewParameter['user'],
            'id'               => $this->request->get('id'),
            'data'             => $viewParameter['data'],
            'pdf'              => 0,
            'lender'           => $viewParameter['lender'],
            'combined_sl_la'   => $viewParameter['combined_sl_la'],
            'stampSeries'      => $stamp_series,
            'isHypothecationActive' => $isHypothecationActive,
        ];

        $loanAmount       = $save_agreement_document_details['user']['loan_amount']
            ?? $save_agreement_document_details['user']['loan_details']['loan_amount']
            ?? 'NA';
        $coApplicantName  = $save_agreement_document_details['user']['co_applicant_name'] ?? 'blank';
        $lender_id        = $save_agreement_document_details['user']['lender_id'] ?? 'blank';
        $applicant_name   = $save_agreement_document_details['user']['customer_name']  ?? 'NA';

        $exceptional_ids  = explode(',', _env('STAMP_SERIES_SPECIFIC_CASES'));
        $isSmallLoan      = isset($loanAmount) && $loanAmount <= 500000
            && !in_array($this->request->get('id'), $exceptional_ids);

        $invitee_name = $isSmallLoan
            ? _env('LEEGALITY_CF_PARTY_NAME')
            : _env('LEEGALITY_FIRST_PARTY_NAME');

        if ($viewParameter['user']['lender_id'] == Vivriti::$lender_id) {
            $view = 'admin.documents.vivriti.loan_agreement_v2';
        } elseif ($viewParameter['user']['lender_id'] == \App\BlackSoil::$lender_id) {
            $view = 'admin.documents.blacksoil.loan_agreement_v1';
        } else {
            $view = 'admin.documents.hypothecation_borrower_loan_agreement_esign_v_two_v1';
        }

        $footerData = [
            'applicant_name'    => $applicant_name,
            'co_applicant_name' => $coApplicantName,
            'invitee_name'      => $invitee_name,
        ];

        $footerHtml = view('admin.documents.vivriti.pdf_footer', $footerData)->render();

        $file = $pdf->loadView($view, $save_agreement_document_details)
            ->setOption('encoding', 'UTF-8')
            ->setPaper('a4')
            ->setOrientation('portrait')
            ->setOption('margin-bottom', '35mm')
            ->setOption('footer-html', $footerHtml)
            ->setOption('footer-spacing', 28)
            ->output();

        return base64_encode($file);
    }

    /**
     * Record that a party has digitally signed (mirrors LoanHypothecation::createDigitalSigned).
     */
    private function createDigitalSigned(int $application_id, int $applicant_type)
    {
        $date        = Carbon::now()->toDateTimeString();
        $application = DigitalSignDetails::where('application_id', $application_id)
            ->where('applicant', $applicant_type)
            ->first(['id']);

        if (!isset($application->id)) {
            $digitalSignDetails = new DigitalSignDetails();
            $digitalSignDetails->fill([
                'application_id'     => $application_id,
                'applicant'          => $applicant_type,
                'load_time'          => $date,
                'click_time'         => $date,
                'language'           => 'ENGLISH',
                'isagreementsigned'  => 1,
                'type'               => 'consumer',
                'esign_vendor'       => 'digio',     // ← "digio" instead of "leegality"
                'created_at'         => $date,
            ]);
            $digitalSignDetails->save();
        }
    }
}