finance-app/src/lib/queries.ts

import { queryRaw } from "./db";

export interface TagRow {
  id: number;
  name: string;
  color: string;
}

export interface TransactionRow {
  id: number;
  statement_id: number | null;
  transaction_date: string;
  description: string;
  amount: number;
  amount_aud: number | null;
  transaction_type: string;
  merchant_name: string | null;
  merchant_normalized: string | null;
  location: string | null;
  foreign_currency_amount: number | null;
  foreign_currency_code: string | null;
  category: string;
  row_index: number;
  created_at: string;
  // loan repayment split — set only when the lender itemises it (migration 0014)
  principal_amount: number | null;
  interest_amount: number | null;
  // How it was paid (migration 0016). NULL = unknown, treated as reconcilable.
  // 'cash' is excluded from reconciliation — see notCash().
  payment_method: string | null;
  // override fields
  category_override: string | null;
  merchant_override: string | null;
  notes: string | null;
  my_share_percent: number | null;
  effective_category: string;
  effective_merchant: string;
  // My share of this transaction, resolved server-side so the UI matches analytics.
  my_share_pct: number;
  my_amount: number;
  // statement context (null for manual transactions)
  bank_name: string;
  // Native currency of the statement this row came from ('AUD' for manual rows).
  // `amount` is in this currency; `amount_aud` is the converted figure.
  currency: string;
  owner_id: number;
  owner_name: string;
  // tags
  tags: TagRow[];
  // splits
  splits: { participant_id: number; name: string; share_percent: number; settled: boolean }[];
  // trip
  trip_id: number | null;
  trip_name: string | null;
  trip_color: string | null;
}

export interface StatementRow {
  id: number;
  bank_name: string;
  card_name: string | null;
  account_number: string;
  account_type: string | null;
  account_holder_name: string | null;
  billing_start_date: string | null;
  billing_end_date: string | null;
  total_amount_due: number;
  minimum_amount_due: number | null;
  payment_due_date: string;
  opening_balance: number | null;
  closing_balance: number | null;
  total_credits: number | null;
  total_debits: number | null;
  interest_charged: number | null;
  fees_charged: number | null;
  credit_limit: number | null;
  currency: string;
  statement_type: string | null;
  // Loan statements only (see migration 0014)
  interest_rate: number | null;
  scheduled_repayment: number | null;
  repayment_frequency: string | null;
  redraw_available: number | null;
  loan_term_months: number | null;
  tier_used: string | null;
  owner_id: number;
  owner_name: string;
  created_at: string;
  transaction_count: number;
  // Balance assertion (see BALANCE_DELTA). Null when the statement has no
  // opening/closing balance to check against.
  expected_closing: number | null;
  balance_diff: number | null;
}

interface TransactionFilters {
  from?: string;
  to?: string;
  categories?: string[];
  bank_names?: string[];
  tag_ids?: string[];
  transaction_types?: string[];
  search?: string;
  statement_id?: string;
  sort_by?: string;
  sort_dir?: string;
  limit?: number;
  offset?: number;
  amount_min?: number;
  amount_max?: number;
  has_split?: string;
  trip_id?: string;
}

export async function getTransactions(ownerId: number, filters: TransactionFilters) {
  const conditions: string[] = [
    `(COALESCE(t.owner_id, s.owner_id) = $1 OR EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1))`,
    `NOT (t.statement_id IS NULL AND t.reconciled_with_id IS NOT NULL)`,
  ];
  const params: unknown[] = [ownerId];
  let paramIdx = 2;

  if (filters.from) {
    conditions.push(`t.transaction_date >= $${paramIdx++}`);
    params.push(filters.from);
  }
  if (filters.to) {
    conditions.push(`t.transaction_date <= $${paramIdx++}`);
    params.push(filters.to);
  }
  if (filters.categories?.length) {
    conditions.push(`COALESCE(o.category_override, t.category) = ANY($${paramIdx++}::text[])`);
    params.push(filters.categories);
  }
  if (filters.bank_names?.length) {
    const hasManual = filters.bank_names.includes("Manual");
    const bankList = filters.bank_names.filter((b) => b !== "Manual");
    if (hasManual && bankList.length > 0) {
      conditions.push(`(t.statement_id IS NULL OR s.bank_name = ANY($${paramIdx++}::text[]))`);
      params.push(bankList);
    } else if (hasManual) {
      conditions.push(`t.statement_id IS NULL`);
    } else {
      conditions.push(`s.bank_name = ANY($${paramIdx++}::text[])`);
      params.push(bankList);
    }
  }
  if (filters.tag_ids?.length) {
    const noTags = filters.tag_ids.includes("untagged");
    const realTagIds = filters.tag_ids.filter((id) => id !== "untagged").map(Number);
    if (noTags) {
      conditions.push(`NOT EXISTS (SELECT 1 FROM transaction_tags tt2 WHERE tt2.transaction_id = t.id)`);
    } else if (realTagIds.length > 0) {
      conditions.push(`EXISTS (SELECT 1 FROM transaction_tags tt2 WHERE tt2.transaction_id = t.id AND tt2.tag_id = ANY($${paramIdx++}::int[]))`);
      params.push(realTagIds);
    }
  }
  if (filters.transaction_types?.length) {
    conditions.push(`t.transaction_type = ANY($${paramIdx++}::text[])`);
    params.push(filters.transaction_types);
  }
  if (filters.search) {
    conditions.push(`(t.description ILIKE $${paramIdx} OR t.merchant_name ILIKE $${paramIdx} OR COALESCE(o.merchant_normalized, t.merchant_normalized) ILIKE $${paramIdx})`);
    params.push(`%${filters.search}%`);
    paramIdx++;
  }
  if (filters.statement_id) {
    conditions.push(`t.statement_id = $${paramIdx++}`);
    params.push(Number(filters.statement_id));
  }
  if (filters.amount_min !== undefined) {
    conditions.push(`t.amount >= $${paramIdx++}`);
    params.push(filters.amount_min);
  }
  if (filters.amount_max !== undefined) {
    conditions.push(`t.amount <= $${paramIdx++}`);
    params.push(filters.amount_max);
  }
  if (filters.has_split === "yes") {
    conditions.push(`EXISTS (SELECT 1 FROM transaction_splits ts_f WHERE ts_f.transaction_id = t.id)`);
  } else if (filters.has_split === "no") {
    conditions.push(`NOT EXISTS (SELECT 1 FROM transaction_splits ts_f WHERE ts_f.transaction_id = t.id)`);
  }
  if (filters.trip_id === "unassigned") {
    conditions.push(`o.trip_id IS NULL`);
  } else if (filters.trip_id) {
    conditions.push(`o.trip_id = $${paramIdx++}`);
    params.push(Number(filters.trip_id));
  }

  const where = `WHERE ${conditions.join(" AND ")}`;

  const sortCol = filters.sort_by === "amount" ? "t.amount" : filters.sort_by === "created_at" ? "t.created_at" : "t.transaction_date";
  const sortDir = filters.sort_dir === "asc" ? "ASC" : "DESC";
  const limit = filters.limit || 50;
  const offset = filters.offset || 0;

  const countSql = `
    SELECT COUNT(*)::int as total
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN statements s ON s.id = t.statement_id
    ${where}
  `;
  const countResult = await queryRaw<{ total: number }>(countSql, params);
  const total = countResult[0]?.total || 0;

  const dataSql = `
    SELECT t.*,
      o.category_override, o.merchant_normalized as merchant_override, o.notes, o.my_share_percent,
      COALESCE(o.category_override, t.category) as effective_category,
      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
      COALESCE(s.bank_name, 'Manual') as bank_name,
      COALESCE(s.currency, 'AUD') as currency,
      -- My share, resolved the same way analytics does it (see myShare in
      -- analytics-sql.ts): explicit split row, then override, then whatever is
      -- left after everyone else. Computed here so the UI cannot drift from
      -- the totals it is drilling into.
      COALESCE(
        (SELECT x.share_percent FROM transaction_splits x
          WHERE x.transaction_id = t.id AND x.participant_id = $1),
        o.my_share_percent,
        100 - COALESCE((SELECT SUM(x.share_percent) FROM transaction_splits x
                         WHERE x.transaction_id = t.id AND x.participant_id <> $1), 0)
      )::numeric(5,2) as my_share_pct,
      (COALESCE(t.amount_aud, t.amount) * COALESCE(
        (SELECT x.share_percent FROM transaction_splits x
          WHERE x.transaction_id = t.id AND x.participant_id = $1),
        o.my_share_percent,
        100 - COALESCE((SELECT SUM(x.share_percent) FROM transaction_splits x
                         WHERE x.transaction_id = t.id AND x.participant_id <> $1), 0)
      ) / 100)::numeric(12,2) as my_amount,
      COALESCE(t.owner_id, s.owner_id) as owner_id,
      p.name as owner_name,
      COALESCE(src.created_at, t.created_at) as created_at,
      o.trip_id,
      tr.name as trip_name,
      tr.color as trip_color,
      txn_tags.tags,
      txn_splits.splits
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN statements s ON s.id = t.statement_id
    LEFT JOIN participants p ON p.id = COALESCE(t.owner_id, s.owner_id)
    LEFT JOIN transactions src ON src.reconciled_with_id = t.id AND src.statement_id IS NULL
    LEFT JOIN trips tr ON tr.id = o.trip_id
    LEFT JOIN LATERAL (
      SELECT COALESCE(json_agg(json_build_object('id', tg.id, 'name', tg.name, 'color', tg.color) ORDER BY tg.name), '[]'::json) as tags
      FROM transaction_tags tt
      JOIN tags tg ON tg.id = tt.tag_id
      WHERE tt.transaction_id = t.id
    ) txn_tags ON true
    LEFT JOIN LATERAL (
      SELECT COALESCE(json_agg(json_build_object('participant_id', ts.participant_id, 'name', sp.name, 'share_percent', ts.share_percent, 'settled', ts.settled) ORDER BY sp.name), '[]'::json) as splits
      FROM transaction_splits ts
      JOIN participants sp ON sp.id = ts.participant_id
      WHERE ts.transaction_id = t.id
    ) txn_splits ON true
    ${where}
    ORDER BY ${sortCol} ${sortDir}, t.row_index ASC
    LIMIT $${paramIdx++} OFFSET $${paramIdx++}
  `;
  params.push(limit, offset);

  const raw = await queryRaw<TransactionRow & { tags: string | TagRow[]; splits: string | TransactionRow["splits"] }>(dataSql, params);
  const data = raw.map((r) => ({
    ...r,
    tags: typeof r.tags === "string" ? JSON.parse(r.tags) : (r.tags ?? []),
    splits: typeof r.splits === "string" ? JSON.parse(r.splits) : (r.splits ?? []),
  })) as TransactionRow[];

  return { data, total, limit, offset };
}

// A user may act on a transaction they own (directly or via the parent
// statement) or one they participate in via a split.
export async function canAccessTransactions(ownerId: number, transactionIds: number[]): Promise<boolean> {
  if (!transactionIds.length) return false;
  const rows = await queryRaw<{ n: number }>(
    `SELECT COUNT(*)::int AS n
     FROM transactions t
     LEFT JOIN statements s ON s.id = t.statement_id
     WHERE t.id = ANY($2::int[])
       AND (COALESCE(t.owner_id, s.owner_id) = $1
            OR EXISTS (SELECT 1 FROM transaction_splits ts WHERE ts.transaction_id = t.id AND ts.participant_id = $1))`,
    [ownerId, transactionIds]
  );
  return rows[0]?.n === transactionIds.length;
}

export async function getTransactionById(id: number) {
  const sql = `
    SELECT t.*,
      o.category_override, o.merchant_normalized as merchant_override, o.notes, o.my_share_percent,
      COALESCE(o.category_override, t.category) as effective_category,
      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
      COALESCE(s.bank_name, 'Manual') as bank_name,
      COALESCE(t.owner_id, s.owner_id) as owner_id,
      p.name as owner_name
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN statements s ON s.id = t.statement_id
    LEFT JOIN participants p ON p.id = COALESCE(t.owner_id, s.owner_id)
    WHERE t.id = $1
  `;
  const rows = await queryRaw<TransactionRow>(sql, [id]);
  return rows[0] || null;
}

/**
 * Does opening_balance + the period's transactions equal closing_balance?
 *
 * The single cheapest check on extraction quality: it catches missed rows,
 * duplicates, sign errors and transactions filed against the wrong statement,
 * none of which are visible by eye. Borrowed from double-entry accounting,
 * where it is called a balance assertion.
 *
 * Sign depends on what the balance means. On a liability (credit card, loan)
 * the balance is what you OWE, so spending increases it and payments reduce it.
 * On an asset (transaction, savings, offset) the balance is what you HOLD, so
 * the signs invert.
 */
export const BALANCE_DELTA = `SUM(CASE
  WHEN s.statement_type IN ('credit_card', 'loan')
    THEN CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END
    ELSE CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN -t.amount ELSE t.amount END
END)`;

export async function getStatements(ownerId: number) {
  const sql = `
    SELECT s.*,
      (SELECT COUNT(*)::int FROM transactions t WHERE t.statement_id = s.id) as transaction_count,
      p.name as owner_name,
      recon.expected_closing,
      recon.balance_diff
    FROM statements s
    LEFT JOIN participants p ON p.id = s.owner_id
    LEFT JOIN LATERAL (
      SELECT
        (s.opening_balance + ${BALANCE_DELTA})::numeric(12,2) as expected_closing,
        (s.opening_balance + ${BALANCE_DELTA} - s.closing_balance)::numeric(12,2) as balance_diff
      FROM transactions t
      WHERE t.statement_id = s.id
        AND s.opening_balance IS NOT NULL
        AND s.closing_balance IS NOT NULL
    ) recon ON true
    WHERE s.owner_id = $1
    ORDER BY s.billing_end_date DESC NULLS LAST, s.created_at DESC
  `;
  return queryRaw<StatementRow>(sql, [ownerId]);
}

export async function getStatementById(id: number) {
  const sql = `
    SELECT s.*,
      (SELECT COUNT(*)::int FROM transactions t WHERE t.statement_id = s.id) as transaction_count,
      p.name as owner_name
    FROM statements s
    LEFT JOIN participants p ON p.id = s.owner_id
    WHERE s.id = $1
  `;
  const rows = await queryRaw<StatementRow>(sql, [id]);
  return rows[0] || null;
}

export async function getMerchantSuggestions(search: string) {
  const sql = `
    SELECT DISTINCT COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as merchant
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    WHERE COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) ILIKE $1
    ORDER BY merchant
    LIMIT 20
  `;
  return queryRaw<{ merchant: string }>(sql, [`%${search}%`]);
}

export async function getBankNames() {
  const [bankRows, manualCount] = await Promise.all([
    queryRaw<{ bank_name: string }>(`SELECT DISTINCT bank_name FROM statements ORDER BY bank_name`),
    queryRaw<{ count: number }>(`SELECT COUNT(*)::int as count FROM transactions WHERE statement_id IS NULL`),
  ]);
  const banks = bankRows.map((r) => r.bank_name);
  if (manualCount[0]?.count > 0) banks.push("Manual");
  return banks;
}

export interface ParticipantBalance {
  id: number;
  name: string;
  total_owed: number;
  unsettled_count: number;
}

export async function getParticipantBalances(ownerId: number, tagIds?: number[]) {
  const params: unknown[] = [ownerId];
  let tagFilter = "";
  if (tagIds?.length) {
    params.push(tagIds);
    tagFilter = `AND EXISTS (SELECT 1 FROM transaction_tags tt WHERE tt.transaction_id = t.id AND tt.tag_id = ANY($2::int[]))`;
  }

  // Payments settle the total relationship between two people, not a specific tag.
  // Only subtract payments when viewing the unfiltered total; with a tag filter
  // active, show the raw split amount for that tag context only.
  const paymentsJoin = tagIds?.length ? "" : `
    LEFT JOIN (
      SELECT
        CASE WHEN sp.from_participant_id != $1 THEN sp.from_participant_id ELSE sp.to_participant_id END AS pid,
        SUM(CASE WHEN sp.to_participant_id = $1 THEN sp.amount ELSE -sp.amount END) AS net_paid
      FROM split_payments sp
      WHERE sp.from_participant_id = $1 OR sp.to_participant_id = $1
      GROUP BY pid
    ) payments ON payments.pid = p.id`;
  const paymentsSelect = tagIds?.length ? "" : "- COALESCE(payments.net_paid, 0)::numeric(12,2)";
  const paymentsGroup = tagIds?.length ? "" : ", payments.net_paid";

  return queryRaw<ParticipantBalance>(`
    SELECT p.id, p.name,
      COALESCE(SUM(splits.signed_amount), 0)::numeric(12,2)
        ${paymentsSelect} AS total_owed,
      COALESCE(SUM(splits.split_count), 0)::int AS unsettled_count
    FROM participants p

    LEFT JOIN (
      -- They owe me: their splits on transactions I own
      -- Settle in AUD: on a foreign-currency row the amount column is in its own
      -- currency, so splitting on it nets a USD figure against AUD ones.
      SELECT ts.participant_id AS pid,
        (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100 AS signed_amount,
        1 AS split_count
      FROM transaction_splits ts
      JOIN transactions t ON t.id = ts.transaction_id
      LEFT JOIN statements s ON s.id = t.statement_id
      WHERE COALESCE(t.owner_id, s.owner_id) = $1 AND ts.participant_id != $1
        AND NOT (t.statement_id IS NULL AND t.reconciled_with_id IS NOT NULL)
      ${tagFilter}

      UNION ALL

      -- I owe them: my splits on transactions they own
      SELECT COALESCE(t.owner_id, s.owner_id) AS pid,
        -((CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100) AS signed_amount,
        0 AS split_count
      FROM transaction_splits ts
      JOIN transactions t ON t.id = ts.transaction_id
      LEFT JOIN statements s ON s.id = t.statement_id
      WHERE ts.participant_id = $1 AND COALESCE(t.owner_id, s.owner_id) != $1
        AND NOT (t.statement_id IS NULL AND t.reconciled_with_id IS NOT NULL)
      ${tagFilter}
    ) splits ON splits.pid = p.id
    ${paymentsJoin}

    WHERE p.id != $1
    GROUP BY p.id, p.name ${paymentsGroup}
    ORDER BY p.name
  `, params);
}

export interface SharedTransactionRow extends TransactionRow {
  splits: { participant_id: number; name: string; share_percent: number; settled: boolean }[];
}

export async function ensureTag(name: string, color: string): Promise<number> {
  const rows = await queryRaw<{ id: number }>(
    `INSERT INTO tags (name, color) VALUES ($1, $2)
     ON CONFLICT (name) DO UPDATE SET name = EXCLUDED.name
     RETURNING id`,
    [name, color]
  );
  return rows[0].id;
}

export async function batchInsertCSVTransactions(
  ownerId: number,
  rows: {
    date: string;
    description: string;
    amount: number;
    transaction_type: string;
    merchant_name?: string;
    foreign_currency_amount?: number;
    foreign_currency_code?: string;
    category?: string;
  }[],
  tagId: number
): Promise<number> {
  if (rows.length === 0) return 0;

  const baseRows = await queryRaw<{ base: number }>(
    `SELECT COALESCE(MAX(row_index), -1) as base FROM transactions WHERE owner_id = $1 AND statement_id IS NULL`,
    [ownerId]
  );
  const base = Number(baseRows[0].base);

  const valueClauses: string[] = [];
  const params: unknown[] = [ownerId];
  let p = 2;
  rows.forEach((r, i) => {
    valueClauses.push(`(NULL, $1, $${p++}, $${p++}, $${p++}, $${p++}, $${p++}, $${p++}, $${p++}, ${base + 1 + i})`);
    params.push(r.date, r.description, r.amount, r.transaction_type, r.merchant_name ?? null, r.foreign_currency_amount ?? null, r.foreign_currency_code ?? null);
  });

  const txIds = await queryRaw<{ id: number }>(
    `INSERT INTO transactions (statement_id, owner_id, transaction_date, description, amount, transaction_type, merchant_name, foreign_currency_amount, foreign_currency_code, row_index)
     VALUES ${valueClauses.join(", ")}
     RETURNING id`,
    params
  );

  if (txIds.length > 0) {
    const tagValueClauses = txIds.map((_, i) => `($${i * 2 + 1}, $${i * 2 + 2})`);
    const tagParams: unknown[] = txIds.flatMap((r) => [r.id, tagId]);
    await queryRaw(
      `INSERT INTO transaction_tags (transaction_id, tag_id) VALUES ${tagValueClauses.join(", ")} ON CONFLICT DO NOTHING`,
      tagParams
    );
  }

  return txIds.length;
}

/**
 * Excludes cash from reconciliation.
 *
 * Cash never appears on a statement, so a cash transaction would sit in the
 * queue forever being offered matches within 3 days and 1% on amount. Accepting
 * one is silently destructive: reconciled manual rows are filtered out of every
 * query, so the cash spend vanishes while the card transaction it matched
 * claims to be that same spend.
 *
 * Only cash is excluded. Bank transfers do appear on a statement now that
 * transaction accounts are imported, and NULL means unknown — both stay
 * candidates, which preserves the behaviour of every pre-existing row.
 */
export const notCash = (alias = "t") =>
  `(${alias}.payment_method IS NULL OR ${alias}.payment_method <> 'cash')`;

export interface PotentialMatch {
  id: number;
  transaction_date: string;
  description: string;
  amount: number;
  transaction_type: string;
  effective_merchant: string;
  effective_category: string;
  bank_name: string;
  billing_end_date: string | null;
}

export interface ManualTxWithMatches extends TransactionRow {
  matches: PotentialMatch[];
}

export async function getPendingReconciliations(ownerId: number): Promise<ManualTxWithMatches[]> {
  // Fetch all unreconciled manual transactions
  const raw = await queryRaw<TransactionRow & { tags: string | TagRow[]; splits: string | TransactionRow["splits"] }>(
    `SELECT t.*,
       o.category_override, o.merchant_normalized as merchant_override, o.notes, o.my_share_percent,
       COALESCE(o.category_override, t.category) as effective_category,
       COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
       'Manual' as bank_name,
       t.owner_id,
       p.name as owner_name,
       txn_tags.tags,
       txn_splits.splits
     FROM transactions t
     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
     LEFT JOIN participants p ON p.id = t.owner_id
     LEFT JOIN LATERAL (
       SELECT COALESCE(json_agg(json_build_object('id', tg.id, 'name', tg.name, 'color', tg.color) ORDER BY tg.name), '[]'::json) as tags
       FROM transaction_tags tt JOIN tags tg ON tg.id = tt.tag_id
       WHERE tt.transaction_id = t.id
     ) txn_tags ON true
     LEFT JOIN LATERAL (
       SELECT COALESCE(json_agg(json_build_object('participant_id', ts.participant_id, 'name', sp.name, 'share_percent', ts.share_percent, 'settled', ts.settled) ORDER BY sp.name), '[]'::json) as splits
       FROM transaction_splits ts JOIN participants sp ON sp.id = ts.participant_id
       WHERE ts.transaction_id = t.id
     ) txn_splits ON true
     WHERE t.statement_id IS NULL AND t.owner_id = $1 AND t.reconciled_with_id IS NULL
       AND ${notCash("t")}
     ORDER BY t.transaction_date DESC, t.row_index ASC`,
    [ownerId]
  );

  const manualTxs = raw.map((r) => ({
    ...r,
    tags: typeof r.tags === "string" ? JSON.parse(r.tags) : (r.tags ?? []),
    splits: typeof r.splits === "string" ? JSON.parse(r.splits) : (r.splits ?? []),
  })) as TransactionRow[];

  if (manualTxs.length === 0) return [];

  // Fetch all potential matches in one query using window function
  const matchRows = await queryRaw<PotentialMatch & { manual_id: number; rn: number }>(
    `SELECT manual_id, id, transaction_date, description, amount, transaction_type,
       effective_merchant, effective_category, bank_name, billing_end_date
     FROM (
       SELECT
         m.id AS manual_id,
         t.id,
         t.transaction_date,
         t.description,
         t.amount,
         t.transaction_type,
         COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, '') AS effective_merchant,
         COALESCE(o.category_override, t.category, '') AS effective_category,
         s.bank_name,
         s.billing_end_date,
         ROW_NUMBER() OVER (
           PARTITION BY m.id
           ORDER BY ABS(t.amount - m.amount), ABS(t.transaction_date - m.transaction_date)
         ) AS rn
       FROM transactions m
       JOIN transactions t ON t.statement_id IS NOT NULL
         AND t.transaction_date BETWEEN m.transaction_date - 3 AND m.transaction_date + 3
         AND t.amount BETWEEN m.amount * 0.99 AND m.amount * 1.01
       JOIN statements s ON s.id = t.statement_id
       LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
       WHERE m.statement_id IS NULL
         AND m.owner_id = $1
         AND m.reconciled_with_id IS NULL
         AND ${notCash("m")}
         AND COALESCE(t.owner_id, s.owner_id) = $1
         AND NOT EXISTS (
           SELECT 1 FROM transactions mt WHERE mt.reconciled_with_id = t.id
         )
     ) sq
     WHERE rn <= 5
     ORDER BY manual_id, rn`,
    [ownerId]
  );

  // Group matches by manual_id
  const matchesByManualId = new Map<number, PotentialMatch[]>();
  for (const row of matchRows) {
    const list = matchesByManualId.get(row.manual_id) ?? [];
    list.push({
      id: row.id,
      transaction_date: row.transaction_date,
      description: row.description,
      amount: row.amount,
      transaction_type: row.transaction_type,
      effective_merchant: row.effective_merchant,
      effective_category: row.effective_category,
      bank_name: row.bank_name,
      billing_end_date: row.billing_end_date,
    });
    matchesByManualId.set(row.manual_id, list);
  }

  return manualTxs.map((tx) => ({
    ...tx,
    matches: matchesByManualId.get(tx.id) ?? [],
  }));
}

export async function getTags() {
  return queryRaw<TagRow & { transaction_count: number }>(`
    SELECT tg.id, tg.name, tg.color,
      COUNT(tt.transaction_id)::int as transaction_count
    FROM tags tg
    LEFT JOIN transaction_tags tt ON tt.tag_id = tg.id
    GROUP BY tg.id
    ORDER BY tg.name
  `);
}

export async function getSharedTransactions(ownerId: number, tagIds?: number[], noTags?: boolean, participantId?: number) {
  const params: unknown[] = [ownerId];
  let tagClause = "";
  if (noTags) {
    tagClause = `AND NOT EXISTS (SELECT 1 FROM transaction_tags tt WHERE tt.transaction_id = t.id)`;
  } else if (tagIds?.length) {
    params.push(tagIds);
    tagClause = `AND EXISTS (SELECT 1 FROM transaction_tags tt WHERE tt.transaction_id = t.id AND tt.tag_id = ANY($2::int[]))`;
  }

  let participantClause = "";
  if (participantId) {
    params.push(participantId);
    participantClause = `AND EXISTS (SELECT 1 FROM transaction_splits ts_p WHERE ts_p.transaction_id = t.id AND ts_p.participant_id = $${params.length})`;
  }

  const rows = await queryRaw<TransactionRow & { split_data: string }>(`
    SELECT t.*,
      o.category_override, o.merchant_normalized as merchant_override, o.notes,
      COALESCE(o.category_override, t.category) as effective_category,
      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
      COALESCE(s.bank_name, 'Manual') as bank_name,
      COALESCE(t.owner_id, s.owner_id) as owner_id,
      p_owner.name as owner_name,
      COALESCE(src.created_at, t.created_at) as created_at,
      json_agg(json_build_object(
        'split_id', ts.id,
        'participant_id', ts.participant_id,
        'name', p.name,
        'share_percent', ts.share_percent,
        'settled', ts.settled
      ) ORDER BY p.name) as split_data
    FROM transactions t
    JOIN transaction_splits ts ON ts.transaction_id = t.id
    JOIN participants p ON p.id = ts.participant_id
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN statements s ON s.id = t.statement_id
    LEFT JOIN participants p_owner ON p_owner.id = COALESCE(t.owner_id, s.owner_id)
    LEFT JOIN transactions src ON src.reconciled_with_id = t.id AND src.statement_id IS NULL
    WHERE (
        (
          COALESCE(t.owner_id, s.owner_id) = $1
          AND EXISTS (SELECT 1 FROM transaction_splits ts2 WHERE ts2.transaction_id = t.id AND ts2.participant_id != $1)
        ) OR (
          COALESCE(t.owner_id, s.owner_id) != $1
          AND EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1)
        )
      )
      AND NOT (t.statement_id IS NULL AND t.reconciled_with_id IS NOT NULL)
    ${tagClause}
    ${participantClause}
    GROUP BY t.id, o.category_override, o.merchant_normalized, o.notes, s.bank_name, s.owner_id, p_owner.name, src.created_at
    ORDER BY t.transaction_date DESC
  `, params);

  return rows.map((r) => ({
    ...r,
    splits: typeof r.split_data === "string" ? JSON.parse(r.split_data) : r.split_data,
  }));
}

// ─── Trips ───────────────────────────────────────────────────────────────────

export interface TripRow {
  id: number;
  owner_id: number;
  name: string;
  description: string | null;
  start_date: string | null;
  end_date: string | null;
  color: string;
  archived: boolean;
  created_at: string;
  total_spend: number;
  transaction_count: number;
}

export interface TripAnalytics {
  trip: TripRow;
  total_spend: number;
  transaction_count: number;
  num_days: number;
  daily_average: number;
  category_breakdown: { category: string; amount: number; count: number }[];
  daily_spend: { date: string; amount: number }[];
  top_merchants: { merchant: string; amount: number; count: number }[];
  tag_breakdown: { tag_id: number; name: string; color: string; amount: number; count: number }[];
  participant_splits: { participant_id: number; name: string; owed: number }[];
}

export async function getTrips(ownerId: number): Promise<TripRow[]> {
  return queryRaw<TripRow>(`
    SELECT
      t.*,
      COALESCE(SUM(
        CASE WHEN tx.transaction_type IN ('debit','fee','interest')
             AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
        THEN COALESCE(tx.amount_aud, tx.amount) ELSE 0 END
      ), 0)::float AS total_spend,
      COUNT(o.transaction_id)::int AS transaction_count
    FROM trips t
    LEFT JOIN transaction_overrides o ON o.trip_id = t.id
    LEFT JOIN transactions tx ON tx.id = o.transaction_id
    WHERE t.owner_id = $1
    GROUP BY t.id
    ORDER BY t.created_at DESC
  `, [ownerId]);
}

export async function getTripById(id: number, ownerId: number): Promise<TripRow | null> {
  const rows = await queryRaw<TripRow>(`
    SELECT
      t.*,
      COALESCE(SUM(
        CASE WHEN tx.transaction_type IN ('debit','fee','interest')
             AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
        THEN COALESCE(tx.amount_aud, tx.amount) ELSE 0 END
      ), 0)::float AS total_spend,
      COUNT(o.transaction_id)::int AS transaction_count
    FROM trips t
    LEFT JOIN transaction_overrides o ON o.trip_id = t.id
    LEFT JOIN transactions tx ON tx.id = o.transaction_id
    WHERE t.id = $1 AND t.owner_id = $2
    GROUP BY t.id
  `, [id, ownerId]);
  return rows[0] ?? null;
}

export async function getTripAnalytics(tripId: number, ownerId: number): Promise<TripAnalytics> {
  const trip = await getTripById(tripId, ownerId);
  if (!trip) throw new Error("Trip not found");

  const [categoryRows, dailyRows, merchantRows, tagRows, splitRows] = await Promise.all([
    queryRaw<{ category: string; amount: number; count: number }>(`
      SELECT
        COALESCE(o.category_override, tx.category, 'other') AS category,
        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
        COUNT(*)::int AS count
      FROM transaction_overrides o
      JOIN transactions tx ON tx.id = o.transaction_id
      WHERE o.trip_id = $1
        AND tx.transaction_type IN ('debit','fee','interest')
        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
      GROUP BY 1
      ORDER BY 2 DESC
    `, [tripId]),

    queryRaw<{ date: string; amount: number }>(`
      SELECT
        tx.transaction_date::text AS date,
        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount
      FROM transaction_overrides o
      JOIN transactions tx ON tx.id = o.transaction_id
      WHERE o.trip_id = $1
        AND tx.transaction_type IN ('debit','fee','interest')
        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
      GROUP BY 1
      ORDER BY 1
    `, [tripId]),

    queryRaw<{ merchant: string; amount: number; count: number }>(`
      SELECT
        COALESCE(o.merchant_normalized, tx.merchant_normalized, tx.merchant_name, tx.description) AS merchant,
        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
        COUNT(*)::int AS count
      FROM transaction_overrides o
      JOIN transactions tx ON tx.id = o.transaction_id
      WHERE o.trip_id = $1
        AND tx.transaction_type IN ('debit','fee','interest')
        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
      GROUP BY 1
      ORDER BY 2 DESC
      LIMIT 10
    `, [tripId]),

    queryRaw<{ tag_id: number; name: string; color: string; amount: number; count: number }>(`
      SELECT
        tg.id AS tag_id, tg.name, tg.color,
        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
        COUNT(DISTINCT tx.id)::int AS count
      FROM transaction_overrides o
      JOIN transactions tx ON tx.id = o.transaction_id
      JOIN transaction_tags tt ON tt.transaction_id = tx.id
      JOIN tags tg ON tg.id = tt.tag_id
      WHERE o.trip_id = $1
        AND tx.transaction_type IN ('debit','fee','interest')
        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
      GROUP BY tg.id
      ORDER BY 4 DESC
    `, [tripId]),

    // No settled/unsettled breakdown here. It was computed from
    // transaction_splits.settled, which only /api/splits/settle writes and
    // nothing in the UI calls — so it is false on all 673 splits and every trip
    // reported 100% unsettled, including trips paid in full. A real per-trip
    // figure is not computable either: split_payments carries no trip
    // attribution, so a payment cannot be assigned to a trip. Settlement is a
    // property of the whole relationship until settlement contexts exist
    // (see docs/shared-expenses-design.md).
    queryRaw<{ participant_id: number; name: string; owed: number }>(`
      SELECT
        p.id AS participant_id,
        p.name,
        SUM(ts.share_percent / 100.0 * COALESCE(tx.amount_aud, tx.amount))::float AS owed
      FROM transaction_overrides o
      JOIN transactions tx ON tx.id = o.transaction_id
      JOIN transaction_splits ts ON ts.transaction_id = tx.id
      JOIN participants p ON p.id = ts.participant_id
      WHERE o.trip_id = $1
        AND tx.transaction_type IN ('debit','fee','interest')
        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
      GROUP BY p.id
      ORDER BY 3 DESC
    `, [tripId]),
  ]);

  const num_days = (trip.start_date && trip.end_date)
    ? Math.max(1, Math.round((new Date(trip.end_date).getTime() - new Date(trip.start_date).getTime()) / 86400000) + 1)
    : Math.max(dailyRows.length, 1);

  return {
    trip,
    total_spend: trip.total_spend,
    transaction_count: trip.transaction_count,
    num_days,
    daily_average: trip.total_spend / num_days,
    category_breakdown: categoryRows,
    daily_spend: dailyRows,
    top_merchants: merchantRows,
    tag_breakdown: tagRows,
    participant_splits: splitRows,
  };
}

export async function createTrip(
  ownerId: number,
  data: { name: string; description?: string | null; start_date?: string | null; end_date?: string | null; color?: string }
): Promise<TripRow> {
  const rows = await queryRaw<TripRow>(`
    INSERT INTO trips (owner_id, name, description, start_date, end_date, color)
    VALUES ($1, $2, $3, $4, $5, $6)
    RETURNING *, 0::float AS total_spend, 0::int AS transaction_count
  `, [ownerId, data.name, data.description ?? null, data.start_date ?? null, data.end_date ?? null, data.color ?? '#6366f1']);
  return rows[0];
}

export async function updateTrip(
  id: number,
  ownerId: number,
  data: Partial<{ name: string; description: string | null; start_date: string | null; end_date: string | null; color: string; archived: boolean }>
): Promise<TripRow | null> {
  const setClauses: string[] = [];
  const params: unknown[] = [];
  let idx = 1;
  if (data.name !== undefined) { setClauses.push(`name = $${idx++}`); params.push(data.name); }
  if ('description' in data) { setClauses.push(`description = $${idx++}`); params.push(data.description ?? null); }
  if ('start_date' in data) { setClauses.push(`start_date = $${idx++}`); params.push(data.start_date ?? null); }
  if ('end_date' in data) { setClauses.push(`end_date = $${idx++}`); params.push(data.end_date ?? null); }
  if (data.color !== undefined) { setClauses.push(`color = $${idx++}`); params.push(data.color); }
  if (data.archived !== undefined) { setClauses.push(`archived = $${idx++}`); params.push(data.archived); }
  if (!setClauses.length) return getTripById(id, ownerId);
  params.push(id, ownerId);
  const rows = await queryRaw<TripRow>(`
    UPDATE trips SET ${setClauses.join(', ')}
    WHERE id = $${idx++} AND owner_id = $${idx}
    RETURNING *, 0::float AS total_spend, 0::int AS transaction_count
  `, params);
  return rows[0] ?? null;
}

export async function deleteTrip(id: number, ownerId: number): Promise<void> {
  await queryRaw(`DELETE FROM trips WHERE id = $1 AND owner_id = $2`, [id, ownerId]);
}

export async function assignTransactionsToTrip(
  tripId: number | null,
  transactionIds: number[]
): Promise<void> {
  if (!transactionIds.length) return;
  await queryRaw(`
    INSERT INTO transaction_overrides (transaction_id, trip_id)
    SELECT unnest($1::int[]), $2
    ON CONFLICT (transaction_id)
    DO UPDATE SET trip_id = EXCLUDED.trip_id
  `, [transactionIds, tripId]);
}

export async function getTagTransactionIds(tagId: number): Promise<number[]> {
  const rows = await queryRaw<{ transaction_id: number }>(
    `SELECT transaction_id FROM transaction_tags WHERE tag_id = $1`,
    [tagId]
  );
  return rows.map((r) => r.transaction_id);
}