familyHub/tabs/currency.php

<?php
require_once __DIR__ . '/../includes/db.php';
require_once __DIR__ . '/../includes/utils.php';
require_once __DIR__ . '/../includes/persona.php';
require_once __DIR__ . '/../includes/expense_helpers.php';
require_once __DIR__ . '/../includes/family_settings.php';
require_once __DIR__ . '/../includes/banking_helpers.php';

$sym = trim((string) ($familySettings['currency_symbol'] ?? '★'));
$name = trim((string) ($familySettings['currency_name'] ?? ''));
$tabTitle = currencyTabLabel($familySettings);
$bankingMode = bankingEnabled($familySettings);

$canRecordExpense = $activePerson !== null
    && ($activePerson['role'] ?? '') === ROLE_HEAD
    && isHohVerified();

$people = migrateAllPeople($people);
if ($bankingMode) {
    $people = bankingApplySavingsInterestToPeople($people, $familySettings);
    writeJsonFile('people.json', $people);
}

$leaderboard = $people;
usort($leaderboard, static function ($a, $b) {
    $ba = is_numeric($a['checking_balance'] ?? null) ? (float) $a['checking_balance'] : (is_numeric($a['currency_balance'] ?? null) ? (float) $a['currency_balance'] : 0.0);
    $bb = is_numeric($b['checking_balance'] ?? null) ? (float) $b['checking_balance'] : (is_numeric($b['currency_balance'] ?? null) ? (float) $b['currency_balance'] : 0.0);
    $cmp = $bb <=> $ba;
    if ($cmp !== 0) {
        return $cmp;
    }
    return strcmp((string) ($a['name'] ?? ''), (string) ($b['name'] ?? ''));
});

$nameById = [];
foreach ($people as $p) {
    if (!empty($p['id'])) {
        $nameById[(string) $p['id']] = (string) ($p['name'] ?? '');
    }
}

$expenses = normalizeExpensesList(readJsonFile('expenses.json'));
usort($expenses, static function ($a, $b) {
    $da = (string) ($a['date'] ?? '');
    $db = (string) ($b['date'] ?? '');
    if ($db !== $da) {
        return strcmp($db, $da);
    }
    return strcmp((string) ($b['created_at'] ?? ''), (string) ($a['created_at'] ?? ''));
});
$recentExpenses = array_slice($expenses, 0, 50);

$today = gmdate('Y-m-d');
$currentMonth = gmdate('Y-m');
$bankRows = readJsonFile('bank_transactions.json');
if (!is_array($bankRows)) {
    $bankRows = [];
}
usort($bankRows, static function ($a, $b) {
    return strcmp((string) ($b['created_at'] ?? ''), (string) ($a['created_at'] ?? ''));
});
$recentBank = array_slice($bankRows, 0, 80);
$donatedByPersonThisMonth = [];
foreach ($bankRows as $row) {
    if (!is_array($row)) {
        continue;
    }
    if ((string) ($row['type'] ?? '') !== 'charity_outflow') {
        continue;
    }
    $dateYmd = bankingYmd((string) ($row['created_at'] ?? ''));
    if (strpos($dateYmd, $currentMonth . '-') !== 0) {
        continue;
    }
    $pid = (string) ($row['person_id'] ?? '');
    if ($pid === '') {
        continue;
    }
    $donatedByPersonThisMonth[$pid] = ($donatedByPersonThisMonth[$pid] ?? 0) + (float) ($row['amount'] ?? 0);
}
$activePersonId = (string) ($activePerson['id'] ?? '');
$activeBankPerson = null;
foreach ($people as $p) {
    if (($p['id'] ?? '') === $activePersonId) {
        $activeBankPerson = $p;
        break;
    }
}
$activeChecking = is_numeric($activeBankPerson['checking_balance'] ?? null) ? (float) $activeBankPerson['checking_balance'] : 0.0;
$activeSavings = is_numeric($activeBankPerson['savings_balance'] ?? null) ? (float) $activeBankPerson['savings_balance'] : 0.0;
$activeCharityPending = is_numeric($activeBankPerson['charity_pending_balance'] ?? null) ? (float) $activeBankPerson['charity_pending_balance'] : 0.0;
$activeCharityDonated = is_numeric($activeBankPerson['charity_donated_total'] ?? null) ? (float) $activeBankPerson['charity_donated_total'] : 0.0;
?>

<div id="currency" class="tab-content">
    <h2 class="mb-2"><?= htmlspecialchars($tabTitle, ENT_QUOTES, 'UTF-8') ?></h2>
    <p class="text-muted small mb-4">Leaderboard and expenses use the family currency from Family settings.</p>
    <?php if ($bankingMode): ?>
        <ul class="nav nav-pills mb-3 gap-2" role="tablist">
            <li class="nav-item" role="presentation">
                <button class="nav-link active" data-bs-toggle="pill" data-bs-target="#currencyLeaderboardPane" type="button" role="tab" aria-selected="true">
                    <i class="fa fa-trophy me-1"></i>Leaderboard
                </button>
            </li>
            <li class="nav-item" role="presentation">
                <button class="nav-link" data-bs-toggle="pill" data-bs-target="#currencyBankingPane" type="button" role="tab" aria-selected="false">
                    <i class="fa fa-building-columns me-1"></i>Banking
                </button>
            </li>
        </ul>
        <div class="tab-content">
            <div class="tab-pane fade show active" id="currencyLeaderboardPane" role="tabpanel" tabindex="0">
                <div class="card mb-4">
                    <div class="card-header"><i class="fa fa-trophy me-1"></i>Total stars leaderboard</div>
                    <div class="card-body p-0">
                        <div class="table-responsive">
                            <table class="table table-striped mb-0 leaderboard-table">
                                <thead>
                                    <tr>
                                        <th scope="col" class="text-muted">#</th>
                                        <th scope="col">Name</th>
                                        <th scope="col" class="text-end">Total <?= htmlspecialchars($name, ENT_QUOTES, 'UTF-8') ?></th>
                                    </tr>
                                </thead>
                                <tbody>
                                    <?php foreach ($leaderboard as $rank => $p): ?>
                                        <?php
                                        $pid = (string) ($p['id'] ?? '');
                                        $total = is_numeric($p['checking_balance'] ?? null) ? (float) $p['checking_balance'] : (is_numeric($p['currency_balance'] ?? null) ? (float) $p['currency_balance'] : 0.0);
                                        $isSelf = $activePerson && ($activePerson['id'] ?? '') === $pid;
                                        ?>
                                        <tr class="<?= $isSelf ? 'table-primary' : '' ?>">
                                            <td class="text-muted"><?= (int) $rank + 1 ?></td>
                                            <td><?= sanitizeInput($p['name'] ?? '') ?><?php if ($isSelf): ?> <span class="badge text-bg-info">You</span><?php endif; ?></td>
                                            <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($total, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                        </tr>
                                    <?php endforeach; ?>
                                </tbody>
                            </table>
                        </div>
                    </div>
                </div>
            </div>
            <div class="tab-pane fade" id="currencyBankingPane" role="tabpanel" tabindex="0">
    <?php endif; ?>

    <div class="<?= $bankingMode ? '' : 'row g-4' ?>">
        <?php if (!$bankingMode): ?>
        <div class="col-lg-5">
            <div class="card h-100">
                <div class="card-header">
                    <i class="fa fa-trophy me-1" aria-hidden="true"></i> Leaderboard
                </div>
                <div class="card-body p-0">
                    <?php if (count($leaderboard) === 0): ?>
                        <p class="p-3 text-muted mb-0">Add people in Family settings to see balances.</p>
                    <?php else: ?>
                        <div class="table-responsive">
                            <table class="table table-striped mb-0 leaderboard-table">
                                <thead>
                                    <tr>
                                        <th scope="col" class="text-muted">#</th>
                                        <th scope="col">Name</th>
                                        <?php if ($bankingMode): ?>
                                            <th scope="col" class="text-end">Checking</th>
                                            <th scope="col" class="text-end">Savings</th>
                                            <th scope="col" class="text-end">Charity pending</th>
                                            <th scope="col" class="text-end">Donated total</th>
                                            <th scope="col">Donation goal progress</th>
                                        <?php else: ?>
                                            <th scope="col" class="text-end">Balance</th>
                                        <?php endif; ?>
                                    </tr>
                                </thead>
                                <tbody>
                                    <?php foreach ($leaderboard as $rank => $p): ?>
                                        <?php
                                            $pid = (string) ($p['id'] ?? '');
                                            $bal = is_numeric($p['currency_balance'] ?? null) ? (float) $p['currency_balance'] : 0.0;
                                            $checkingBal = is_numeric($p['checking_balance'] ?? null) ? (float) $p['checking_balance'] : 0.0;
                                            $savingsBal = is_numeric($p['savings_balance'] ?? null) ? (float) $p['savings_balance'] : 0.0;
                                            $charityPending = is_numeric($p['charity_pending_balance'] ?? null) ? (float) $p['charity_pending_balance'] : 0.0;
                                            $charityDonated = is_numeric($p['charity_donated_total'] ?? null) ? (float) $p['charity_donated_total'] : 0.0;
                                            $goal = is_numeric($p['donation_goal_monthly'] ?? null) ? (float) $p['donation_goal_monthly'] : 0.0;
                                            $donatedThisMonth = (float) ($donatedByPersonThisMonth[$pid] ?? 0);
                                            $goalPct = $goal > 0 ? (int) max(0, min(100, round(($donatedThisMonth / $goal) * 100))) : 0;
                                            $isSelf = $activePerson && ($activePerson['id'] ?? '') === $pid;
                                        ?>
                                        <tr class="<?= $isSelf ? 'table-primary' : '' ?>">
                                            <td class="text-muted"><?= (int) $rank + 1 ?></td>
                                            <td><?= sanitizeInput($p['name'] ?? '') ?><?php if ($isSelf): ?> <span class="badge text-bg-info">You</span><?php endif; ?></td>
                                            <?php if ($bankingMode): ?>
                                                <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($checkingBal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($savingsBal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($charityPending, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($charityDonated, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                                <td>
                                                    <?php if ($goal > 0): ?>
                                                        <div class="progress" role="progressbar" aria-label="Donation goal progress" aria-valuemin="0" aria-valuemax="100" aria-valuenow="<?= $goalPct ?>">
                                                            <div class="progress-bar" style="width: <?= $goalPct ?>%"></div>
                                                        </div>
                                                        <div class="small text-muted mt-1"><?= htmlspecialchars(number_format($donatedThisMonth, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> / <?= htmlspecialchars(number_format($goal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div>
                                                    <?php else: ?>
                                                        <span class="small text-muted">No goal set</span>
                                                    <?php endif; ?>
                                                </td>
                                            <?php else: ?>
                                                <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($bal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                            <?php endif; ?>
                                        </tr>
                                    <?php endforeach; ?>
                                </tbody>
                            </table>
                        </div>
                    <?php endif; ?>
                </div>
            </div>
        </div>
        <?php endif; ?>

        <div class="<?= $bankingMode ? '' : 'col-lg-7' ?>">
            <?php if ($bankingMode): ?>
                <div class="row g-4">
                    <div class="col-lg-8">
                        <div class="banking-hero mb-3">
                            <h3 class="h5 mb-1">Account overview for <?= sanitizeInput((string) ($activeBankPerson['name'] ?? 'current person')) ?></h3>
                            <p class="small text-muted mb-0">Track your accounts and move money with one tap.</p>
                        </div>
                        <div class="row g-3 mb-4">
                            <div class="col-sm-6">
                                <div class="card banking-overview-card banking-overview-checking"><div class="card-body"><div class="small text-muted">Checking</div><div class="h4 mb-0"><?= htmlspecialchars(number_format($activeChecking, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div></div></div>
                            </div>
                            <div class="col-sm-6">
                                <div class="card banking-overview-card banking-overview-savings"><div class="card-body"><div class="small text-muted">Savings</div><div class="h4 mb-0"><?= htmlspecialchars(number_format($activeSavings, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div></div></div>
                            </div>
                            <div class="col-sm-6">
                                <div class="card banking-overview-card banking-overview-charity"><div class="card-body"><div class="small text-muted">Charity pending</div><div class="h4 mb-0"><?= htmlspecialchars(number_format($activeCharityPending, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div></div></div>
                            </div>
                            <div class="col-sm-6">
                                <div class="card banking-overview-card banking-overview-donated"><div class="card-body"><div class="small text-muted">Donated total</div><div class="h4 mb-0"><?= htmlspecialchars(number_format($activeCharityDonated, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div></div></div>
                            </div>
                        </div>
                        <div class="card">
                            <div class="card-header">Recent bank transactions</div>
                            <div class="card-body p-0">
                                <?php if (count($recentBank) === 0): ?>
                                    <p class="p-3 text-muted mb-0">No bank transactions recorded yet.</p>
                                <?php else: ?>
                                    <div class="table-responsive">
                                        <table class="table table-sm mb-0">
                                            <thead>
                                                <tr><th>Date</th><th>Person</th><th>Type</th><th>Category</th><th>Note</th><th class="text-end">Amount</th><?php if ($canRecordExpense): ?><th></th><?php endif; ?></tr>
                                            </thead>
                                            <tbody>
                                                <?php foreach ($recentBank as $row): ?>
                                                    <?php $pid = (string) ($row['person_id'] ?? ''); $rawAmt = (float) ($row['amount'] ?? 0); $type = (string) ($row['type'] ?? ''); $amtSign = in_array($type, ['manual_debit', 'charity_outflow'], true) ? '−' : '+'; ?>
                                                    <tr>
                                                        <td class="text-nowrap"><?= sanitizeInput((string) ($row['created_at'] ?? '')) ?></td>
                                                        <td><?= sanitizeInput($nameById[$pid] ?? '') ?></td>
                                                        <td><?= sanitizeInput($type) ?></td>
                                                        <td><?= sanitizeInput((string) ($row['category'] ?? '')) ?></td>
                                                        <td><?= sanitizeInput((string) ($row['note'] ?? '')) ?></td>
                                                        <td class="text-end text-nowrap"><?= $amtSign ?><?= htmlspecialchars(number_format($rawAmt, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                                        <?php if ($canRecordExpense): ?><td class="text-end"><?php if (empty($row['reversed_by_transaction_id']) && ($row['type'] ?? '') !== 'reversal'): ?><button type="button" class="btn btn-sm btn-outline-danger btn-bank-reverse" data-id="<?= htmlspecialchars((string) ($row['id'] ?? ''), ENT_QUOTES, 'UTF-8') ?>">Reverse</button><?php endif; ?></td><?php endif; ?>
                                                    </tr>
                                                <?php endforeach; ?>
                                            </tbody>
                                        </table>
                                    </div>
                                <?php endif; ?>
                            </div>
                        </div>
                    </div>
                    <div class="col-lg-4">
                        <div class="accordion" id="bankingActionsAccordion">
                            <div class="accordion-item">
                                <h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#bankActionTransfer">Move funds</button></h2>
                                <div id="bankActionTransfer" class="accordion-collapse collapse" data-bs-parent="#bankingActionsAccordion"><div class="accordion-body">
                                    <form id="bankTransferForm" class="row g-3">
                                        <div class="col-6"><label class="form-label" for="transfer_from_account">From</label><select class="form-select" id="transfer_from_account" required><option value="checking">Checking</option><option value="savings">Savings</option></select></div>
                                        <div class="col-6"><label class="form-label" for="transfer_to_account">To</label><select class="form-select" id="transfer_to_account" required><option value="savings">Savings</option><option value="checking">Checking</option><option value="charity">Charity (irreversible)</option></select></div>
                                        <div class="col-12"><label class="form-label" for="transfer_amount">Amount (<?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?>)</label><input type="number" step="0.01" min="0.01" class="form-control" id="transfer_amount" required></div>
                                        <div class="col-12"><label class="form-label" for="transfer_category">Category</label><input class="form-control" id="transfer_category" maxlength="50" value="transfer"></div>
                                        <div class="col-12"><label class="form-label" for="transfer_note">Note</label><input class="form-control" id="transfer_note" maxlength="200" placeholder="Optional note"></div>
                                        <div class="col-12"><button type="submit" class="btn btn-primary w-100">Submit transfer</button></div>
                                        <div class="col-12"><div class="alert d-none" id="bankTransferFeedback" role="status"></div></div>
                                    </form>
                                </div></div>
                            </div>
                            <div class="accordion-item">
                                <h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#bankActionGoal">Donation goal</button></h2>
                                <div id="bankActionGoal" class="accordion-collapse collapse" data-bs-parent="#bankingActionsAccordion"><div class="accordion-body">
                                    <form id="donationGoalForm" class="row g-3">
                                        <?php if ($canRecordExpense): ?><div class="col-12"><label class="form-label" for="donation_goal_person">Person</label><select class="form-select" id="donation_goal_person"><?php foreach ($people as $p): ?><?php if (empty($p['id'])) { continue; } ?><option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>" <?= (($activePerson['id'] ?? '') === ($p['id'] ?? '')) ? 'selected' : '' ?>><?= sanitizeInput($p['name'] ?? '') ?></option><?php endforeach; ?></select></div><?php else: ?><input type="hidden" id="donation_goal_person" value="<?= htmlspecialchars((string) ($activePerson['id'] ?? ''), ENT_QUOTES, 'UTF-8') ?>"><?php endif; ?>
                                        <div class="col-12"><label class="form-label" for="donation_goal_monthly">Goal for month (<?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?>)</label><input type="number" step="0.01" min="0" class="form-control" id="donation_goal_monthly" value="<?= htmlspecialchars(number_format((float) ($activePerson['donation_goal_monthly'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?>"></div>
                                        <div class="col-12"><button type="submit" class="btn btn-outline-primary w-100">Save donation goal</button></div>
                                        <div class="col-12"><div class="alert d-none" id="donationGoalFeedback" role="status"></div></div>
                                    </form>
                                </div></div>
                            </div>
                            <?php if ($canRecordExpense): ?>
                            <div class="accordion-item">
                                <h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#bankActionAdjust">HoH checking credit/debit</button></h2>
                                <div id="bankActionAdjust" class="accordion-collapse collapse" data-bs-parent="#bankingActionsAccordion"><div class="accordion-body">
                                    <form id="bankAdjustForm" class="row g-3">
                                        <div class="col-12"><label class="form-label" for="bank_adjust_person">Person</label><select class="form-select" id="bank_adjust_person" required><?php foreach ($people as $p): ?><?php if (empty($p['id'])) { continue; } ?><option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>"><?= sanitizeInput($p['name'] ?? '') ?></option><?php endforeach; ?></select></div>
                                        <div class="col-6"><label class="form-label" for="bank_adjust_type">Type</label><select class="form-select" id="bank_adjust_type"><option value="credit">Credit</option><option value="debit">Debit</option></select></div>
                                        <div class="col-6"><label class="form-label" for="bank_adjust_amount">Amount</label><input type="number" min="0.01" step="0.01" class="form-control" id="bank_adjust_amount" required></div>
                                        <div class="col-12"><label class="form-label" for="bank_adjust_category">Category</label><input class="form-control" id="bank_adjust_category" maxlength="50" value="manual"></div>
                                        <div class="col-12"><label class="form-label" for="bank_adjust_note">Note</label><input class="form-control" id="bank_adjust_note" maxlength="200"></div>
                                        <div class="col-12"><button type="submit" class="btn btn-danger w-100">Save checking transaction</button></div>
                                        <div class="col-12"><div class="alert d-none" id="bankAdjustFeedback" role="status"></div></div>
                                    </form>
                                </div></div>
                            </div>
                            <div class="accordion-item">
                                <h2 class="accordion-header"><button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#bankActionCharity">HoH charity outflow</button></h2>
                                <div id="bankActionCharity" class="accordion-collapse collapse" data-bs-parent="#bankingActionsAccordion"><div class="accordion-body">
                                    <form id="charityOutflowForm" class="row g-3">
                                        <div class="col-12"><label class="form-label" for="charity_outflow_person">Person</label><select class="form-select" id="charity_outflow_person" required><?php foreach ($people as $p): ?><?php if (empty($p['id'])) { continue; } ?><option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>"><?= sanitizeInput($p['name'] ?? '') ?></option><?php endforeach; ?></select></div>
                                        <div class="col-6"><label class="form-label" for="charity_outflow_amount">Amount</label><input type="number" min="0.01" step="0.01" class="form-control" id="charity_outflow_amount" required></div>
                                        <div class="col-6"><label class="form-label" for="charity_outflow_category">Category</label><input class="form-control" id="charity_outflow_category" maxlength="50" value="donation"></div>
                                        <div class="col-12"><label class="form-label" for="charity_outflow_note">Note</label><input class="form-control" id="charity_outflow_note" maxlength="200"></div>
                                        <div class="col-12"><button type="submit" class="btn btn-warning w-100">Log charity outflow</button></div>
                                        <div class="col-12"><div class="alert d-none" id="charityOutflowFeedback" role="status"></div></div>
                                    </form>
                                </div></div>
                            </div>
                            <?php endif; ?>
                        </div>
                        <div class="card mt-3">
                            <div class="card-header">Monthly statements</div>
                            <div class="card-body">
                                <p class="small text-muted mb-2">Download your monthly statement as JSON or CSV.</p>
                                <div class="d-flex flex-wrap gap-2">
                                    <a class="btn btn-outline-secondary btn-sm" href="<?= htmlspecialchars($familyHubApiBase, ENT_QUOTES, 'UTF-8') ?>/bank_statement.php?month=<?= htmlspecialchars($currentMonth, ENT_QUOTES, 'UTF-8') ?>&format=json">Current month JSON</a>
                                    <a class="btn btn-outline-secondary btn-sm" href="<?= htmlspecialchars($familyHubApiBase, ENT_QUOTES, 'UTF-8') ?>/bank_statement.php?month=<?= htmlspecialchars($currentMonth, ENT_QUOTES, 'UTF-8') ?>&format=csv">Current month CSV</a>
                                </div>
                            </div>
                        </div>
                    </div>
                </div>
            <?php elseif ($canRecordExpense): ?>
                <div class="card border-secondary mb-4">
                    <div class="card-header d-flex justify-content-between align-items-center">
                        <span><i class="fa fa-minus-circle me-1"></i> Record expense</span>
                        <button class="btn btn-sm btn-outline-secondary" type="button" data-bs-toggle="collapse" data-bs-target="#expenseFormCollapse" aria-expanded="false" aria-controls="expenseFormCollapse">
                            Show form
                        </button>
                    </div>
                    <div class="collapse" id="expenseFormCollapse">
                        <div class="card-body">
                            <p class="small text-muted">Deducts from one person’s balance (e.g. spent allowance). Requires enough balance.</p>
                            <form id="expenseForm" class="row g-3">
                                <div class="col-md-6">
                                    <label class="form-label" for="expense_title">Title</label>
                                    <input class="form-control" id="expense_title" required maxlength="120">
                                </div>
                                <div class="col-md-6">
                                    <label class="form-label" for="expense_value">Amount (<?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?>)</label>
                                    <input type="number" class="form-control" id="expense_value" min="0.01" step="0.01" required>
                                </div>
                                <div class="col-md-6">
                                    <label class="form-label" for="expense_date">Date</label>
                                    <input type="date" class="form-control" id="expense_date" value="<?= htmlspecialchars($today, ENT_QUOTES, 'UTF-8') ?>" required>
                                </div>
                                <div class="col-md-6">
                                    <label class="form-label" for="expense_assignee">Charged to</label>
                                    <select class="form-select" id="expense_assignee" required>
                                        <option value="">Choose person…</option>
                                        <?php foreach ($people as $p): ?>
                                            <?php if (empty($p['id'])) { continue; } ?>
                                            <option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>"><?= sanitizeInput($p['name'] ?? '') ?></option>
                                        <?php endforeach; ?>
                                    </select>
                                </div>
                                <div class="col-12">
                                    <label class="form-label" for="expense_description">Description</label>
                                    <textarea class="form-control" id="expense_description" rows="2"></textarea>
                                </div>
                                <div class="col-12">
                                    <button type="submit" class="btn btn-danger">Apply expense</button>
                                </div>
                                <div class="col-12">
                                    <div class="alert d-none" id="expenseFormFeedback" role="status"></div>
                                </div>
                            </form>
                        </div>
                    </div>
                </div>
            <?php elseif (count($people) > 0): ?>
                <p class="text-muted small">Switch to a verified Head of household to record expenses.</p>
            <?php endif; ?>

            <?php if (!$bankingMode): ?>
            <div class="card">
                <div class="card-header">Recent expenses</div>
                <div class="card-body p-0">
                    <?php if (count($recentExpenses) === 0): ?>
                        <p class="p-3 text-muted mb-0">No expenses recorded yet.</p>
                    <?php else: ?>
                        <div class="table-responsive">
                            <table class="table table-sm mb-0">
                                <thead>
                                    <tr>
                                        <th>Date</th>
                                        <th>Title</th>
                                        <th>To</th>
                                        <th class="text-end">Amount</th>
                                    </tr>
                                </thead>
                                <tbody>
                                    <?php foreach ($recentExpenses as $ex): ?>
                                        <tr>
                                            <td class="text-nowrap"><?= sanitizeInput((string) ($ex['date'] ?? '')) ?></td>
                                            <td><?= sanitizeInput((string) ($ex['title'] ?? '')) ?></td>
                                            <td><?= sanitizeInput($nameById[(string) ($ex['assignee_id'] ?? '')] ?? '') ?></td>
                                            <td class="text-end text-nowrap">−<?= htmlspecialchars(number_format((float) ($ex['value'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
                                        </tr>
                                    <?php endforeach; ?>
                                </tbody>
                            </table>
                        </div>
                    <?php endif; ?>
                </div>
            </div>
            <?php endif; ?>
        </div>
    </div>
    <?php if ($bankingMode): ?>
            </div>
        </div>
    <?php endif; ?>
</div>