# ============================================================
# CWAS — Credit Workflow Automation System
# LBDI Bank — Environment Configuration
# ============================================================

#--------------------------------------------------------------------
# ENVIRONMENT
#--------------------------------------------------------------------

CI_ENVIRONMENT = development

#--------------------------------------------------------------------
# APP
#--------------------------------------------------------------------

app.baseURL    = 'http://localhost/LBDI-BRAIN/public/'
# app.baseURL = 'http://10.21.30.13:8080/'
app.appName    = 'CWAS — LBDI Bank'
app.sessionExpiration = 7200

# Security
app.CSPEnabled = false
app.forceGlobalSecureRequests = false

#--------------------------------------------------------------------
# DATABASE
#--------------------------------------------------------------------

database.default.hostname = localhost
database.default.database = lbdi_cwas
database.default.username = root
database.default.password =
database.default.DBDriver = MySQLi
database.default.DBPrefix  =
database.default.port      = 3306
database.default.charset   = utf8mb4
database.default.DBCollat  = utf8mb4_general_ci

#--------------------------------------------------------------------
# SESSION
#--------------------------------------------------------------------

session.driver            = 'CodeIgniter\Session\Handlers\DatabaseHandler'
session.cookieName        = 'cwas_session'
session.expiration        = 7200
session.savePath          = 'ci_sessions'
session.matchIP           = false
session.timeToUpdate      = 300
session.regenerateDestroy = false

#--------------------------------------------------------------------
# ENCRYPTION
#--------------------------------------------------------------------

# Generate with: php spark key:generate

encryption.key = hex2bin:f8be7b000f47b3fcb6ea010ca36965ac9042b7bbd8e33ebeabdaa4ab64f8f96e

#--------------------------------------------------------------------
# HUGGING FACE AI
#--------------------------------------------------------------------

HF_API_TOKEN              = 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
HF_AI_MODEL               = google/gemma-4-31B-it
HF_API_BASE_URL           = https://router.huggingface.co/v1
HF_API_VERIFY_SSL         = false

#--------------------------------------------------------------------
# EMAIL
#--------------------------------------------------------------------

email.protocol    = smtp
email.SMTPHost    = smtp.gmail.com
email.SMTPPort    = 587
email.SMTPUser    = nizonflomol@gmail.com
email.SMTPPass    = "amyp olwb dvvt vxsx"
email.SMTPCrypto  = tls
email.mailType    = html
email.charset     = utf-8
EMAIL_FROM_ADDRESS = nizonflomol@gmail.com
EMAIL_FROM_NAME    = "LBDI BRAIN - CWAS"

#--------------------------------------------------------------------
# LOGGER
#--------------------------------------------------------------------

logger.threshold = 4

#--------------------------------------------------------------------
# FINANCIAL RATIO POLICY THRESHOLDS
# Adjust these without touching any code.
# Each ratio has a GOOD boundary and a WARN boundary.
# Liquidity/Efficiency — higher is better (>=good=ok, >=warn=warn, else bad)
# Leverage             — lower is better (<=good=ok, <=warn=warn, else bad)
# Days ratios          — lower is better (<=good=ok, <=warn=warn, else bad)
#--------------------------------------------------------------------

# Liquidity
RATIO_CURRENT_GOOD  = 1.5
RATIO_CURRENT_WARN  = 1.0
RATIO_QUICK_GOOD    = 1.0
RATIO_QUICK_WARN    = 0.5
RATIO_CASH_GOOD     = 0.5
RATIO_CASH_WARN     = 0.2

# Leverage
RATIO_DEBT_EQUITY_GOOD  = 1.0
RATIO_DEBT_EQUITY_WARN  = 1.5
RATIO_DEBT_ASSET_GOOD   = 0.5
RATIO_DEBT_ASSET_WARN   = 0.6
RATIO_TIE_GOOD          = 2.0
RATIO_TIE_WARN          = 1.5

# Profitability (values are percentages)
RATIO_ROA_GOOD          = 10.0
RATIO_ROA_WARN          = 5.0
RATIO_ROE_GOOD          = 10.0
RATIO_ROE_WARN          = 5.0
RATIO_GROSS_MARGIN_GOOD = 30.0
RATIO_GROSS_MARGIN_WARN = 15.0
RATIO_OPER_MARGIN_GOOD  = 10.0
RATIO_OPER_MARGIN_WARN  = 5.0
RATIO_NET_MARGIN_GOOD   = 5.0
RATIO_NET_MARGIN_WARN   = 0.0

# Efficiency
RATIO_INVENTORY_TO_GOOD = 6.0
RATIO_INVENTORY_TO_WARN = 4.0
RATIO_ASSET_TO_GOOD     = 1.0
RATIO_ASSET_TO_WARN     = 0.5
RATIO_RECV_DAYS_GOOD    = 30.0
RATIO_RECV_DAYS_WARN    = 60.0
RATIO_PAY_DAYS_GOOD     = 60.0
RATIO_PAY_DAYS_WARN     = 90.0
