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<!DOCTYPE html>
<html lang="en">

<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <meta name="color-scheme" content="dark">
    <title>Fraud Detection Analysis</title>
    <!-- Typography -->
    <link rel="preconnect" href="https://fonts.googleapis.com">
    <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
    <link href="https://fonts.googleapis.com/css2?family=Shippori+Mincho+B1:wght@400;500;600;700&display=swap"
        rel="stylesheet">

    <style>
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            color-scheme: dark;
            /* Force system controls (dropdowns) to dark mode */
            /* Core Colors */
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            /* Accents */
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            /* Spacing */
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            --tiers-gap: 60px;
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        * {
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        body {
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            color: var(--clr-text);
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        .shine-hover {
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        .container {
            width: 100%;
            max-width: 720px;
            /* Editorial width */
        }

        /* HEADER */
        header {
            margin-bottom: 80px;
            text-align: center;
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        h1 {
            font-size: 32px;
            font-weight: 400;
            letter-spacing: 0.05em;
            margin-bottom: 12px;
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        .subtitle {
            font-size: 14px;
            opacity: 0.8;
            font-weight: 400;
            letter-spacing: 0.02em;
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        /* CONFIG BAR */
        .config-bar {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 40px;
            margin-bottom: 60px;
            /* Card Style */
            background: rgba(255, 255, 255, 0.08);
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        /* TIERS */
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        label {
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        /* SLIDERS - Custom Minimal */
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            color: var(--clr-text);
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            /* Standardized radius */
            padding: 18px 40px;
            font-size: 16px;
            font-family: inherit;
            cursor: pointer;
            transition: all 0.3s ease;
            letter-spacing: 0.05em;
            position: relative;
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        button.primary-btn:hover {
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            box-shadow: 0 0 15px rgba(255, 255, 255, 0.3);
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        button.secondary-btn {
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        button.secondary-btn:hover {
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        button:disabled {
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        /* RESULTS */
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            border-top: 1px solid var(--clr-divider);
            display: none;
            animation: fadeUp 0.8s ease forwards;
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        .result-score {
            font-size: 48px;
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            letter-spacing: -0.02em;
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        .result-detail {
            font-size: 16px;
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            to {
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        /* ========================================
           CUSTOM DROPDOWN STYLES
           ======================================== */

        /* Hide native select elements */
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            display: none;
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        /* Custom Select Container */
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            /* Reduced from 0.8 */
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        .custom-select.open .select-arrow {
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            left: 0;
            right: 0;
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        /* Keyboard Navigation - No border, just soft highlight */
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        /* Accessibility: Focus State */
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            border-bottom-color: var(--clr-text);
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    </style>
</head>

<body>

    <div class="container">
        <header>
            <h1>Fraud Detection System</h1>
            <div class="subtitle">Predictive analysis of auto claim irregularities</div>
        </header>

        <!-- CONFIG -->
        <div class="config-bar">
            <!-- Model Selection -->
            <div class="control-group">
                <label>Prediction Model</label>
                <select id="model">
                    <option value="xgb" selected>XGBoost — Quick signal</option>
                    <option value="voting">Voting Ensemble — Best overall signal</option>
                    <option value="et">Extra Trees — Stable signal</option>
                    <option value="rf">Random Forest — Clear reasoning</option>
                </select>
                <!-- Updated Style: Removed font-size 13px and opacity 0.8 for cleaner look, added font-weight:600 to reference model -->
                <div class="helper-text" style="line-height: 1.4; margin-top: 8px;">
                    Risk drivers are generated using a <span style="font-weight: 600;">ExtraTrees uncalibrated reference
                        model</span> for consistency
                    and interpretability.
                    <br>Prediction scores are produced by the selected model above.
                </div>
                <!-- Removed modelHint div -->
            </div>

            <!-- Analysis Mode -->
            <div class="control-group">
                <label>Analysis Mode</label>
                <select id="scenario">
                    <option value="auto_flagger" selected>Auto-Flagger (Operational)</option>
                    <option value="dashboard">Dashboard Review (Calibrated)</option>
                </select>
                <div id="scenario_desc" class="helper-text" style="line-height: 1.4; margin-top: 8px;">
                    Optimized for detecting potentially fraudulent claims. Designed for automated or semi-automated
                    flagging where recall is critical.
                </div>
            </div>
        </div>


        <!-- TIER 1 -->
        <div class="tier-section">
            <div class="tier-header"><span class="tier-title">01 / Incident & Injury</span></div>
            <div class="form-grid">
                <div class="control-group">
                    <label>Incident Severity</label>
                    <select id="incident_severity">
                        <option value="Major Damage">Major damage</option>
                        <option value="Minor Damage" selected>Minor damage</option>
                        <option value="Total Loss">Total loss</option>
                        <option value="Trivial Damage">Trivial damage</option>
                    </select>
                </div>

                <div class="control-group">
                    <label>Collision Type</label>
                    <select id="collision_type">
                        <option value="Rear Collision" selected>Rear collision</option>
                        <option value="Front Collision">Front collision</option>
                        <option value="Side Collision">Side collision</option>
                        <option value="?">Unknown / Not Reported</option>
                    </select>
                </div>

                <!-- Incident Time (Moved from Tier 2) -->
                <div class="control-group">
                    <div class="slider-header"><label>Incident Time</label><span class="slider-val"
                            id="val_hour">12:00</span></div>
                    <input type="range" id="incident_hour_of_the_day" min="0" max="23" step="1" value="12">
                    <div class="helper-text" id="helper_hour">Afternoon</div>
                </div>

                <div class="control-group">
                    <label>Bodily Injuries</label>
                    <select id="bodily_injuries">
                        <option value="0">0</option>
                        <option value="1" selected>1</option>
                        <option value="2">2</option>
                        <option value="3">3+</option>
                    </select>
                </div>
            </div>
        </div>

        <!-- TIER 2 -->
        <div class="tier-section">
            <div class="tier-header"><span class="tier-title">02 / Claim Amount</span></div>
            <div class="control-group" style="margin-bottom: 30px;">
                <div class="slider-header"><label>Total Claim Amount ($)</label><span class="slider-val"
                        id="val_total_claim">$58,000</span></div>
                <div class="helper-text" style="opacity: 0.6; margin-bottom: 10px;">Total amount claimed before internal
                    allocation.</div>
                <input type="range" id="total_claim_amount" min="1000" max="100000" step="1000" value="58000">
            </div>

            <!-- BREAKDOWN BLOCK -->
            <div
                style="margin-top: 30px; background: rgba(255,255,255,0.03); padding: 25px 25px 15px 25px; border-radius: 4px; margin-left: 20px; border-left: 2px solid var(--clr-divider);">
                <div style="font-size: 14px; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 5px;">
                    Claim Amount Breakdown</div>
                <div style="font-size: 13px; opacity: 0.6; margin-bottom: 25px; font-style: italic;">Estimated
                    distribution of the total claim amount (percentages are relative and do not need to sum perfectly)
                </div>

                <div class="form-grid">
                    <!-- Injury Portion -->
                    <div class="control-group">
                        <div class="slider-header">
                            <label>Injury-Related Portion</label>
                            <span class="slider-val" id="val_injury_share">10%</span>
                        </div>
                        <input type="range" id="injury_share" min="0" max="100" step="5" value="10">
                        <div class="helper-text">Medical and bodily injury related costs</div>
                    </div>

                    <!-- Property Portion -->
                    <div class="control-group">
                        <div class="slider-header">
                            <label>Property Damage Portion</label>
                            <span class="slider-val" id="val_prop_share">10%</span>
                        </div>
                        <input type="range" id="property_share" min="0" max="100" step="5" value="10">
                        <div class="helper-text">Vehicle and physical property damage</div>
                    </div>
                </div>

                <!-- Remainder -->
                <div
                    style="margin-top: 25px; border-top: 1px solid var(--clr-divider); padding-top: 15px; text-align: right;">
                    <label style="opacity: 0.5; font-size: 12px; display: block; margin-bottom: 4px;">Other /
                        Administrative (Calculated)</label>
                    <div id="val_remainder"
                        style="font-size: 16px; opacity: 0.7; font-family: 'Shippori Mincho B1', serif;">80%</div>
                    <div class="helper-text" style="text-align: right; opacity: 0.4;">Remaining claim components (legal,
                        admin, other)</div>
                </div>
            </div>
        </div>


        <!-- TIER 3 -->
        <div class="tier-section">
            <div class="tier-header"><span class="tier-title">03 / Policy & Tenure</span></div>
            <div class="form-grid">
                <div class="control-group">
                    <div class="slider-header"><label>Annual Premium</label><span class="slider-val"
                            id="val_premium">$1,200</span></div>
                    <input type="range" id="policy_annual_premium" min="500" max="3000" step="100" value="1200">
                </div>

                <div class="control-group">
                    <div class="slider-header"><label>Months as Customer</label><span class="slider-val"
                            id="val_tenure">200</span></div>
                    <input type="range" id="months_as_customer" min="0" max="500" step="12" value="200">
                </div>
                <!-- Policy Age Abstracted -->
                <div class="control-group">
                    <label>When did the policy start?</label>
                    <select id="days_since_bind">
                        <option value="90">Less than 6 months ago</option>
                        <option value="270">6–12 months ago</option>
                        <option value="540">1–2 years ago</option>
                        <option value="1500" selected>2–5 years ago</option>
                        <option value="3000">More than 5 years ago</option>
                    </select>
                </div>
            </div>
        </div>

        <!-- TIER 4 -->
        <div class="tier-section">
            <div class="tier-header"><span class="tier-title">04 / Vehicle Context</span></div>
            <div class="form-grid">
                <div class="control-group">
                    <div class="slider-header"><label>Vehicle Age</label><span class="slider-val" id="val_veh_age">10
                            yrs</span></div>
                    <input type="range" id="vehicle_age" min="0" max="30" step="1" value="10">
                </div>

                <div class="control-group">
                    <label>Vehicles Involved</label>
                    <select id="number_of_vehicles_involved">
                        <option value="1" selected>1</option>
                        <option value="2">2</option>
                        <option value="3">3</option>
                        <option value="4">4+</option>
                    </select>
                </div>
            </div>
        </div>

        <!-- TIER 5 -->
        <div class="tier-section">
            <div class="tier-header"><span class="tier-title">05 / Administrative</span></div>
            <div class="form-grid">
                <div class="control-group">
                    <label>Police Report Filed</label>
                    <select id="police_report_available">
                        <option value="YES">Yes</option>
                        <option value="NO">No</option>
                        <option value="?">Unknown</option>
                    </select>
                </div>

                <div class="control-group">
                    <label>Authorities Involved</label>
                    <select id="authorities_contacted">
                        <option value="Police" selected>Police</option>
                        <option value="Fire">Fire department</option>
                        <option value="Ambulance">Ambulance</option>
                        <option value="Other">Other</option>
                        <option value="None">None</option>
                    </select>
                </div>
            </div>
        </div>

        <!-- TIER 6 -->
        <div class="tier-section" style="border-bottom: none;">
            <div class="tier-header"><span class="tier-title">06 / Edge Variables</span></div>
            <div class="form-grid">
                <div class="control-group">
                    <label>Umbrella Limit</label>
                    <select id="umbrella_limit">
                        <option value="0" selected>None</option>
                        <option value="1000000">$1M</option>
                        <option value="5000000">$5M</option>
                        <option value="10000000">$10M+</option>
                    </select>
                </div>

                <div class="control-group">
                    <div class="slider-header"><label>Insured Age</label><span class="slider-val" id="val_age">38
                            yrs</span></div>
                    <input type="range" id="age" min="18" max="100" step="1" value="38">
                </div>
            </div>

            <!-- CAPITAL IMPACT -->
            <!-- FINANCIAL CAPITAL ACTIVITY -->
            <div class="control-group"
                style="margin-top: 40px; border-top: 1px solid var(--clr-divider); padding-top: 25px;">
                <div style="font-size: 14px; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 5px;">
                    Financial Capital Activity (Optional)</div>
                <div style="font-size: 13px; opacity: 0.6; margin-bottom: 25px; font-style: italic;">Summary of observed
                    capital inflows and outflows around the incident period.</div>

                <div class="form-grid">
                    <!-- Gains -->
                    <div class="control-group">
                        <div class="slider-header"><label>Capital Gains</label><span class="slider-val"
                                id="val_cap_gain">$0</span></div>
                        <input type="range" id="capital_gains" min="0" max="100000" step="5000" value="0">
                    </div>

                    <!-- Losses -->
                    <div class="control-group">
                        <div class="slider-header"><label>Capital Losses</label><span class="slider-val"
                                id="val_cap_loss">$0</span></div>
                        <input type="range" id="capital_loss" min="0" max="100000" step="5000" value="0">
                    </div>
                </div>
            </div>
        </div>

        <!-- ACTION -->
        <div class="action-bar">
            <button class="primary-btn" id="predictBtn">Analyze Claim</button>
            <div id="errorBox" style="color: #ffcccc; margin-top: 20px; display: none; font-size: 14px;"></div>
        </div>

        <!-- RESULT -->
        <div id="resultBox" class="result-box" style="display:none; text-align: left; padding-top: 20px;">

            <!-- 1. PRIMARY RISK SCORE (Vertical, Authoritative) -->
            <div class="result-section" style="margin-bottom: 30px;">
                <div id="resScoreVal" style="font-size: 56px; font-weight: 500; line-height: 1; margin-bottom: 10px;">
                    --%</div>
                <div id="resScoreLabel"
                    style="font-size: 14px; text-transform: uppercase; letter-spacing: 0.15em; font-weight: 500; opacity: 0.7;">
                    --</div>
            </div>

            <!-- 2. RISK CONTEXT -->
            <div class="result-section" style="margin-bottom: 30px;">
                <div
                    style="font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.5; margin-bottom: 5px;">
                    Risk Context</div>
                <div id="resContextText" style="font-size: 15px; font-style: italic; opacity: 0.9;">--</div>
            </div>

            <!-- 3. DECISION RECOMMENDATION (Card Style) -->
            <div class="result-section"
                style="margin-bottom: 20px; padding: 20px; border-radius: 6px; background: rgba(255,255,255,0.08);">
                <div
                    style="font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.6; margin-bottom: 12px;">
                    Recommended Action</div>
                <div id="resActionHeader" style="font-size: 16px; font-weight: 500; margin-bottom: 15px;">--</div>
                <div style="font-size: 14px; opacity: 0.8; margin-bottom: 5px;">Next steps:</div>
                <div id="resActionSteps" style="font-size: 14px; line-height: 1.6; opacity: 0.9; padding-left: 5px;">--
                </div>

                <!-- SHAP TRIGGER -->
                <div style="display: flex; gap: 10px; margin-top: 20px;">
                    <button id="viewDriversBtn" class="secondary-btn shine-hover">
                        View risk drivers</button>
                    <button id="explainWhyBtn" class="secondary-btn shine-hover">
                        Explain Why ✨</button>
                </div>
            </div>

            <!-- RISK DRIVERS PANEL (Hidden) -->
            <div id="driversPanel"
                style="display:none; margin-top: 25px; padding-top: 20px; border-top: 1px solid var(--clr-divider);">
                <div style="font-size: 14px; font-weight: 600; margin-bottom: 8px;">Risk Drivers (Model-Based
                    Explanation)</div>

                <!-- Mandatory Disclosure -->
                <div style="font-size: 12px; line-height: 1.5; opacity: 0.6; margin-bottom: 20px;">
                    These drivers are generated using an explainable <b>ExtraTrees uncalibrated reference model</b>
                    trained on the same data.
                    They indicate patterns associated with risk, not the internal logic of the selected prediction
                    model.
                </div>

                <div id="driversList" style="display: block;"></div>

                <div style="margin-top: 15px; font-size: 11px; opacity: 0.7; font-style: italic;">
                    These factors indicate statistical associations, not proof of fraud.
                </div>
            </div>

            <!-- LLM SUMMARY PANEL (Hidden) -->
            <div id="llmSummaryBox" class="result-section"
                style="display:none; margin-top: 25px; padding-top: 20px; border-top: 1px solid var(--clr-divider);">
                <div
                    style="font-size: 16px; font-weight: 500; margin-bottom: 12px; display: flex; align-items: center; gap: 10px;">
                    How to read this score <span
                        style="font-size: 11px; opacity: 0.8; font-weight: 600; border: 1px solid rgba(255,255,255,0.5); padding: 2px 6px; border-radius: 4px; letter-spacing: 0.05em;">AI
                        GENERATED</span>
                </div>

                <div id="llmSummaryText" style="font-size: 15px; opacity: 0.9; line-height: 1.6; margin-bottom: 15px;">
                </div>

                <ul id="llmBullets"
                    style="margin-bottom: 15px; padding-left: 20px; opacity: 0.85; font-size: 14px; line-height: 1.5;">
                </ul>

                <div id="llmDisclaimer"
                    style="font-size: 12px; opacity: 0.5; font-style: italic; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 10px;">
                </div>
            </div>

            <!-- 4. METADATA (Single Line, Quiet) -->
            <div id="metaFooter"
                style="border-top: 1px solid var(--clr-divider); margin-top: 20px; padding-top: 15px; font-size: 11px; opacity: 0.4; text-align: center;">
                --
            </div>
        </div>

    </div>

    <script>
        // ========================================
        // CUSTOM DROPDOWN IMPLEMENTATION
        // ========================================

        class CustomDropdown {
            constructor(selectElement) {
                this.selectEl = selectElement;
                this.id = selectElement.id;
                this.options = Array.from(selectElement.options).map(opt => ({
                    value: opt.value,
                    text: opt.textContent,
                    selected: opt.selected
                }));

                this.currentIndex = this.options.findIndex(opt => opt.selected);
                if (this.currentIndex === -1) this.currentIndex = 0;

                this.keyboardIndex = this.currentIndex;
                this.isOpen = false;

                this.render();
                this.bindEvents();
            }

            render() {
                // Create custom dropdown HTML
                const customSelect = document.createElement('div');
                customSelect.className = 'custom-select';
                customSelect.setAttribute('data-select-id', this.id);
                customSelect.setAttribute('role', 'combobox');
                customSelect.setAttribute('aria-expanded', 'false');
                customSelect.setAttribute('aria-labelledby', this.id + '-label');
                customSelect.setAttribute('tabindex', '0');

                // Trigger
                const trigger = document.createElement('div');
                trigger.className = 'select-trigger';
                trigger.innerHTML = `
                    <span class="select-value">${this.options[this.currentIndex].text}</span>
                    <span class="select-arrow">▼</span>
                `;

                // Options panel
                const optionsPanel = document.createElement('div');
                optionsPanel.className = 'select-options';
                optionsPanel.setAttribute('role', 'listbox');

                this.options.forEach((option, index) => {
                    const optionEl = document.createElement('div');
                    optionEl.className = 'select-option';
                    if (index === this.currentIndex) optionEl.classList.add('selected');
                    optionEl.setAttribute('data-value', option.value);
                    optionEl.setAttribute('data-index', index);
                    optionEl.setAttribute('role', 'option');
                    optionEl.setAttribute('aria-selected', index === this.currentIndex);
                    optionEl.textContent = option.text;
                    optionsPanel.appendChild(optionEl);
                });

                customSelect.appendChild(trigger);
                customSelect.appendChild(optionsPanel);

                // Replace original select (hide it)
                this.selectEl.style.display = 'none';
                this.selectEl.parentNode.insertBefore(customSelect, this.selectEl);

                // Store references
                this.customSelectEl = customSelect;
                this.triggerEl = trigger;
                this.optionsPanelEl = optionsPanel;
                this.optionEls = Array.from(optionsPanel.querySelectorAll('.select-option'));
            }

            bindEvents() {
                // Click on trigger
                this.triggerEl.addEventListener('click', (e) => {
                    e.stopPropagation();
                    this.toggle();
                });

                // Click on options
                this.optionEls.forEach((optionEl, index) => {
                    optionEl.addEventListener('click', (e) => {
                        e.stopPropagation();
                        this.selectOption(index);
                        this.close();
                    });
                });

                // Keyboard navigation
                this.customSelectEl.addEventListener('keydown', (e) => this.handleKeyboard(e));

                // Close on outside click
                document.addEventListener('click', (e) => {
                    if (!this.customSelectEl.contains(e.target)) {
                        this.close();
                    }
                });
            }

            toggle() {
                this.isOpen ? this.close() : this.open();
            }

            open() {
                this.isOpen = true;
                this.customSelectEl.classList.add('open');
                this.customSelectEl.setAttribute('aria-expanded', 'true');
                this.keyboardIndex = this.currentIndex;
                this.updateKeyboardFocus();
            }

            close() {
                this.isOpen = false;
                this.customSelectEl.classList.remove('open');
                this.customSelectEl.setAttribute('aria-expanded', 'false');
                this.clearKeyboardFocus();
            }

            selectOption(index) {
                this.currentIndex = index;

                // Update UI
                this.optionEls.forEach((el, i) => {
                    el.classList.toggle('selected', i === index);
                    el.setAttribute('aria-selected', i === index);
                });

                const valueEl = this.triggerEl.querySelector('.select-value');
                valueEl.textContent = this.options[index].text;

                // Update original select element (maintains form compatibility)
                this.selectEl.value = this.options[index].value;

                // Trigger change event on original select (for existing JS)
                const event = new Event('change', { bubbles: true });
                this.selectEl.dispatchEvent(event);
            }

            handleKeyboard(e) {
                if (!this.isOpen && (e.key === 'Enter' || e.key === ' ' || e.key === 'ArrowDown')) {
                    e.preventDefault();
                    this.open();
                    return;
                }

                if (!this.isOpen) return;

                switch (e.key) {
                    case 'Escape':
                        e.preventDefault();
                        this.close();
                        break;

                    case 'Enter':
                    case ' ':
                        e.preventDefault();
                        this.selectOption(this.keyboardIndex);
                        this.close();
                        break;

                    case 'ArrowDown':
                        e.preventDefault();
                        this.keyboardIndex = Math.min(this.keyboardIndex + 1, this.options.length - 1);
                        this.updateKeyboardFocus();
                        this.scrollToKeyboardOption();
                        break;

                    case 'ArrowUp':
                        e.preventDefault();
                        this.keyboardIndex = Math.max(this.keyboardIndex - 1, 0);
                        this.updateKeyboardFocus();
                        this.scrollToKeyboardOption();
                        break;

                    case 'Tab':
                        this.close();
                        break;
                }
            }

            updateKeyboardFocus() {
                this.optionEls.forEach((el, i) => {
                    el.classList.toggle('keyboard-focus', i === this.keyboardIndex);
                });
            }

            clearKeyboardFocus() {
                this.optionEls.forEach(el => el.classList.remove('keyboard-focus'));
            }

            scrollToKeyboardOption() {
                const option = this.optionEls[this.keyboardIndex];
                if (option) {
                    option.scrollIntoView({ block: 'nearest', behavior: 'smooth' });
                }
            }
        }

        // Initialize all dropdowns on page load
        function initCustomDropdowns() {
            const selects = document.querySelectorAll('select');
            selects.forEach(select => {
                if (select.id) { // Only convert selects with IDs
                    new CustomDropdown(select);
                }
            });
        }

        // Run after DOM is ready
        if (document.readyState === 'loading') {
            document.addEventListener('DOMContentLoaded', initCustomDropdowns);
        } else {
            initCustomDropdowns();
        }

        // --- LIVE UPDATES ---
        const updateVal = (id, fmt, suffix = '') => {
            const el = document.getElementById(id);
            const display = document.getElementById('val_' + (id === 'incident_hour_of_the_day' ? 'hour' :
                id === 'policy_annual_premium' ? 'premium' :
                    id === 'total_claim_amount' ? 'total_claim' :
                        id === 'months_as_customer' ? 'tenure' :
                            id === 'vehicle_age' ? 'veh_age' :
                                id === 'injury_share' ? 'injury_share' :
                                    id === 'property_share' ? 'prop_share' :
                                        id === 'capital_gains' ? 'cap_gain' :
                                            id === 'capital_loss' ? 'cap_loss' : id));
            if (!el || !display) return;

            el.addEventListener('input', () => {
                let val = el.value;
                if (fmt === '$') val = '$' + parseInt(val).toLocaleString();
                if (fmt === '%') val = val + '%';
                if (suffix) val = val + ' ' + suffix;

                if (id === 'incident_hour_of_the_day') {
                    val = (val < 10 ? '0' + val : val) + ":00";
                    const h = parseInt(el.value);
                    let period = "Night";
                    if (h >= 6 && h < 12) period = "Morning";
                    else if (h >= 12 && h < 18) period = "Afternoon";
                    else if (h >= 18) period = "Evening";
                    document.getElementById('helper_hour').innerText = period;
                }
                display.innerText = val;
            });
        };

        updateVal('total_claim_amount', '$');
        // Attach listeners
        ['policy_annual_premium', 'capital_gains'].forEach(id => updateVal(id, '$'));
        ['capital_loss'].forEach(id => updateVal(id, '$')); // Negative is fine
        // Removed injury/prop/total from here as they have custom logic now
        ['months_as_customer'].forEach(id => updateVal(id, ''));
        updateVal('vehicle_age', '', 'yrs');
        updateVal('age', '', 'yrs');
        updateVal('incident_hour_of_the_day', '');

        // --- BREAKDOWN MATH ---
        function updateBreakdown() {
            const total = parseFloat(document.getElementById('total_claim_amount').value);
            const injuryPct = parseFloat(document.getElementById('injury_share').value);
            const propPct = parseFloat(document.getElementById('property_share').value);

            const injuryDol = total * (injuryPct / 100.0);
            const propDol = total * (propPct / 100.0);

            // Remainder
            const remainderPct = 100 - injuryPct - propPct;
            const remainderDol = total * (remainderPct / 100.0);

            // Update displays
            document.getElementById('val_total_claim').innerText = "$" + total.toLocaleString();

            document.getElementById('val_injury_share').innerText = `${injuryPct}% ($${Math.round(injuryDol).toLocaleString()})`;
            document.getElementById('val_prop_share').innerText = `${propPct}% ($${Math.round(propDol).toLocaleString()})`;

            const remEl = document.getElementById('val_remainder');
            remEl.innerText = `${remainderPct}% ($${Math.round(remainderDol).toLocaleString()})`;

            // Visual warning for over-allocation
            if (remainderPct < 0) {
                remEl.style.color = "#ff9999";
                remEl.innerText += " [OVER-ALLOCATED]";
            } else {
                remEl.style.color = "inherit";
            }
        }

        // Attach breakdown listeners
        ['total_claim_amount', 'injury_share', 'property_share'].forEach(id => {
            document.getElementById(id).addEventListener('input', updateBreakdown);
        });

        // Init breakdown
        updateBreakdown();

        // --- SCENARIO DESCRIPTION Logic ---
        const scenarioDesc = {
            'auto_flagger': "Optimized for detecting potentially fraudulent claims. Designed for automated or semi-automated flagging where recall is critical.",
            'dashboard': "Provides well-calibrated probabilities for human review and reporting. Recommended when the score is used for explanation or decision support."
        };

        document.getElementById('scenario').addEventListener('change', (e) => {
            document.getElementById('scenario_desc').innerText = scenarioDesc[e.target.value];
        });

        // Removed Model Hint Logic

        // Global state for explanation
        let lastExplanation = [];

        // BEHAVIORAL FIX: Invalidate outputs on input change
        const inputs = document.querySelectorAll('input, select');
        inputs.forEach(el => {
            el.addEventListener('input', () => {
                // Hide AI panels
                document.getElementById('llmSummaryBox').style.display = 'none';
                document.getElementById('driversPanel').style.display = 'none';
                // Hide Score + Result Card ("INVALIDATION" fix)
                document.getElementById('resultBox').style.display = 'none';
            });
        });

        // Toggle Drivers
        document.getElementById('viewDriversBtn').addEventListener('click', () => {
            const panel = document.getElementById('driversPanel');
            if (panel.style.display === 'none') {
                panel.style.display = 'block';
                // Render
                const list = document.getElementById('driversList');
                list.innerHTML = '';

                if (!lastExplanation || lastExplanation.length === 0) {
                    list.innerHTML = '<div style="opacity:0.5; font-size:12px;">No risk drivers available for this model/scenario.</div>';
                    return;
                }

                lastExplanation.forEach(item => {
                    const isUp = item.direction === 'UP';
                    const icon = isUp ? '↑' : '↓';

                    // Specific Copy Pattern:
                    // Primary: Feature Name
                    // Secondary: Arrow + "Increases risk" / "Reduces risk"
                    // Tertiary: Details

                    const directionText = isUp ? "Increases risk" : "Reduces risk";

                    const row = document.createElement('div');
                    row.style.marginBottom = "20px";
                    row.style.borderBottom = "1px solid rgba(255,255,255,0.05)";
                    row.style.paddingBottom = "10px";

                    row.innerHTML = `
                        <div style="font-weight: 600; font-size: 15px; margin-bottom: 4px;">${item.feature}</div>
                        <div style="font-size: 13px; opacity: 0.9; margin-bottom: 2px; color: ${isUp ? '#ffdddd' : '#ddffdd'};">
                             ${icon} ${directionText}
                        </div>
                        <div style="font-size: 12px; opacity: 0.6; font-style: italic;">
                             ${item.text}
                        </div>
                     `;
                    list.appendChild(row);
                });

                // Scroll to panel
                setTimeout(() => {
                    panel.scrollIntoView({ behavior: 'smooth', block: 'start' });
                }, 100);

            } else {
                panel.style.display = 'none';
            }
        });

        // Explain Why Logic
        document.getElementById('explainWhyBtn').addEventListener('click', async () => {
            const btn = document.getElementById('explainWhyBtn');
            const panel = document.getElementById('llmSummaryBox');

            // UI Loading State
            btn.innerText = "Analyzing...";
            btn.style.opacity = "0.7";
            btn.disabled = true;
            panel.style.display = 'none';

            try {
                // Re-gather payload (reuse logic or grab from inputs)
                // PRO TIP: Ideally we'd separate gatherPayload() but for now we duplicate efficiently
                const payload = {
                    incident_severity: document.getElementById('incident_severity').value,
                    injury_share: parseFloat(document.getElementById('injury_share').value) / 100.0,
                    collision_type: document.getElementById('collision_type').value,
                    bodily_injuries: parseInt(document.getElementById('bodily_injuries').value),
                    total_claim_amount: parseFloat(document.getElementById('total_claim_amount').value),
                    incident_hour_of_the_day: parseInt(document.getElementById('incident_hour_of_the_day').value),
                    property_share: parseFloat(document.getElementById('property_share').value) / 100.0,
                    policy_annual_premium: parseFloat(document.getElementById('policy_annual_premium').value),
                    months_as_customer: parseInt(document.getElementById('months_as_customer').value),
                    days_since_bind: parseInt(document.getElementById('days_since_bind').value),
                    vehicle_age: parseInt(document.getElementById('vehicle_age').value),
                    number_of_vehicles_involved: parseInt(document.getElementById('number_of_vehicles_involved').value),
                    police_report_available: document.getElementById('police_report_available').value,
                    authorities_contacted: document.getElementById('authorities_contacted').value,
                    umbrella_limit: parseInt(document.getElementById('umbrella_limit').value),
                    "capital-gains": parseFloat(document.getElementById('capital_gains').value),
                    "capital-loss": -1 * parseFloat(document.getElementById('capital_loss').value),
                    age: parseInt(document.getElementById('age').value)
                };

                const model = document.getElementById('model').value;
                const scenario = document.getElementById('scenario').value;

                // Request with llm_explain=true
                const response = await fetch(`/predict?model=${model}&scenario=${scenario}&explain=true&llm_explain=true`, {
                    method: 'POST',
                    headers: { 'Content-Type': 'application/json' },
                    body: JSON.stringify(payload)
                });

                if (!response.ok) throw new Error(await response.text());
                const data = await response.json();

                // Render LLM Result
                const llm = data.llm_explanation;
                panel.style.display = 'block';

                if (llm && !llm.error) {
                    // Summary (+ Guidance if available)
                    let summaryHtml = llm.summary || "Summary unavailable.";
                    if (llm.guidance) {
                        summaryHtml += `<br><br><em style="opacity: 0.9; border-left: 2px solid #666; padding-left: 8px; display:block;">Guidance: ${llm.guidance}</em>`;
                    }
                    document.getElementById('llmSummaryText').innerHTML = summaryHtml;

                    const bulletsUl = document.getElementById('llmBullets');
                    bulletsUl.innerHTML = '';

                    // NEW SCHEMA: Drivers list
                    if (llm.drivers && Array.isArray(llm.drivers)) {
                        llm.drivers.forEach(d => {
                            const li = document.createElement('li');
                            li.style.marginBottom = "8px";
                            li.style.lineHeight = "1.4";

                            // Color/Arrow for effect
                            let effectColor = "#ccc";
                            let arrow = "•";
                            if (d.effect && d.effect.toLowerCase().includes("up")) { arrow = "↑"; effectColor = "#ff9999"; }
                            if (d.effect && d.effect.toLowerCase().includes("down")) { arrow = "↓"; effectColor = "#99ff99"; }

                            li.innerHTML = `<span style="color:${effectColor}; font-weight:bold; margin-right:4px;">${arrow}</span> <strong>${d.name}</strong>: ${d.explanation}`;
                            bulletsUl.appendChild(li);
                        });
                    }
                    // FALLBACK: Old bullets list
                    else if (llm.bullets && Array.isArray(llm.bullets)) {
                        llm.bullets.forEach(b => {
                            const li = document.createElement('li');
                            li.style.marginBottom = "6px";
                            li.innerText = b;
                            bulletsUl.appendChild(li);
                        });
                    }

                    document.getElementById('llmDisclaimer').innerText = llm.disclaimer || "Disclaimer: These are statistical patterns, not proof.";
                } else {
                    const errorMsg = (llm && llm.error) ? llm.error : "AI explanation unavailable at this time.";
                    document.getElementById('llmSummaryText').innerHTML = `<span style="color: #ff9999;">⚠ ${errorMsg}</span>`;
                    document.getElementById('llmBullets').innerHTML = '';
                    document.getElementById('llmDisclaimer').innerText = "Please rely on the Risk Drivers list below.";
                }

                // Scroll to explain box
                setTimeout(() => {
                    panel.scrollIntoView({ behavior: 'smooth', block: 'start' });
                }, 100);

            } catch (e) {
                console.error(e);
                alert("Explanation failed: " + e.message);
            } finally {
                btn.innerText = "Explain Why ✨";
                btn.style.opacity = "1.0";
                btn.disabled = false;
            }
        });

        // --- CLEAR RESULTS ON CHANGE ---
        const clearResults = () => {
            const resBox = document.getElementById('resultBox');
            const errBox = document.getElementById('errorBox');
            const driversPanel = document.getElementById('driversPanel');
            const llmSummaryBox = document.getElementById('llmSummaryBox');

            if (resBox && resBox.style.display !== 'none') {
                resBox.style.display = 'none';
                errBox.style.display = 'none';
                driversPanel.style.display = 'none';
                llmSummaryBox.style.display = 'none';
            }
        };

        // Attach to all inputs
        document.querySelectorAll('input, select').forEach(el => {
            el.addEventListener('change', clearResults);
            el.addEventListener('input', clearResults);
        });

        // --- SUBMISSION ---
        document.getElementById('predictBtn').addEventListener('click', async () => {
            const btn = document.getElementById('predictBtn');
            const resBox = document.getElementById('resultBox');
            const errBox = document.getElementById('errorBox');
            const driversPanel = document.getElementById('driversPanel');

            // Reset
            btn.disabled = true;
            btn.style.opacity = "0.5";
            btn.innerText = "Processing...";
            resBox.style.display = 'none';
            errBox.style.display = 'none';
            driversPanel.style.display = 'none'; // Auto hide on new predict
            document.getElementById('llmSummaryBox').style.display = 'none'; // Auto hide LLM

            try {
                // Construct Payload
                const payload = {
                    incident_severity: document.getElementById('incident_severity').value,
                    injury_share: parseFloat(document.getElementById('injury_share').value) / 100.0,
                    collision_type: document.getElementById('collision_type').value,
                    bodily_injuries: parseInt(document.getElementById('bodily_injuries').value),
                    total_claim_amount: parseFloat(document.getElementById('total_claim_amount').value),
                    incident_hour_of_the_day: parseInt(document.getElementById('incident_hour_of_the_day').value),
                    property_share: parseFloat(document.getElementById('property_share').value) / 100.0,
                    policy_annual_premium: parseFloat(document.getElementById('policy_annual_premium').value),
                    months_as_customer: parseInt(document.getElementById('months_as_customer').value),
                    days_since_bind: parseInt(document.getElementById('days_since_bind').value),
                    vehicle_age: parseInt(document.getElementById('vehicle_age').value),
                    number_of_vehicles_involved: parseInt(document.getElementById('number_of_vehicles_involved').value),
                    police_report_available: document.getElementById('police_report_available').value,
                    authorities_contacted: document.getElementById('authorities_contacted').value,
                    umbrella_limit: parseInt(document.getElementById('umbrella_limit').value),
                    "capital-gains": parseFloat(document.getElementById('capital_gains').value),
                    "capital-loss": -1 * parseFloat(document.getElementById('capital_loss').value),
                    age: parseInt(document.getElementById('age').value)
                };

                const model = document.getElementById('model').value;
                const scenario = document.getElementById('scenario').value;

                let response;
                try {
                    response = await fetch(`/predict?model=${model}&scenario=${scenario}&explain=true`, {
                        method: 'POST',
                        headers: { 'Content-Type': 'application/json' },
                        body: JSON.stringify(payload)
                    });
                } catch (netErr) {
                    throw new Error("Cannot connect to server. Is the API running?");
                }

                if (!response.ok) throw new Error(await response.text());
                const data = await response.json();

                // --- RENDER RESULT ---
                const prob = data.probability;
                const pct = (prob * 100).toFixed(1) + "%";

                // 1. Label Mapping (ALL CAPS)
                let label = "LOW RISK";
                if (prob >= 0.3) label = "MODERATE RISK";
                if (prob >= 0.5) label = "HIGH RISK";
                if (prob >= 0.7) label = "VERY HIGH RISK";

                document.getElementById('resScoreVal').innerText = pct;
                document.getElementById('resScoreLabel').innerText = label;

                // 2. Risk Context
                let context = "This claim falls within the typical risk range compared to similar claims.";
                if (prob >= 0.6) context = "This claim falls within the elevated risk range compared to similar claims.";
                document.getElementById('resContextText').innerText = context;

                // 3. Recommendation Card
                let header = "";
                let steps = "";
                const isHigh = prob >= 0.5; // operational threshold

                if (scenario === 'auto_flagger') {
                    if (isHigh) {
                        header = "⚠ Claim exceeds operational threshold";
                        steps = "• Automatically flag for further investigation<br>• Route to fraud review queue<br>• Do not approve without manual verification";
                    } else {
                        header = "✓ No immediate fraud action required";
                        steps = "• Continue standard processing<br>• Monitor as part of routine checks";
                    }
                } else { // dashboard
                    if (isHigh) {
                        header = "⚠ Elevated risk factors detected";
                        steps = "• Review supporting documentation<br>• Verify claim details and timelines<br>• Use as decision support input";
                    } else {
                        header = "✓ Standard risk profile";
                        steps = "• Proceed with standard review<br>• Verify basic documentation";
                    }
                }

                document.getElementById('resActionHeader').innerText = header;
                document.getElementById('resActionSteps').innerHTML = steps;

                // 4. Metadata Footer
                const txtModel = model === 'voting' ? "Voting Ensemble" : model.toUpperCase();
                const calibStatus = scenario === 'dashboard' ? "Enabled" : "Disabled";
                const modeStatus = scenario === 'auto_flagger' ? "Auto-Flagger" : "Dashboard Review";
                const ver = data.app_version ? `v${data.app_version}` : "v1.0?";

                document.getElementById('metaFooter').innerText = `Model: ${txtModel} · Calibration: ${calibStatus} · Mode: ${modeStatus} · ${ver}`;

                // 5. Store SHAP
                lastExplanation = data.explanation || [];

                resBox.style.display = 'block';

                // Scroll to Results
                setTimeout(() => {
                    resBox.scrollIntoView({ behavior: 'smooth', block: 'start' });
                }, 100);

            } catch (e) {
                errBox.innerText = "System Error: " + e.message;
                errBox.style.display = 'block';
            } finally {
                btn.disabled = false;
                btn.style.opacity = "1";
                btn.innerText = "Analyze Claim";
            }
        });

        // Initial setup of function exposure
        // Removed setCapMode exposure as it is deleted

    </script>

</body>

</html>