using LendWise.Web.Models;

namespace LendWise.Web.Services;

public static class GuideCatalog
{
    public static readonly IReadOnlyList<Guide> All =
    [
        new Guide
        {
            Slug = "compare-home-loan-offers",
            Title = "How to compare home loan offers",
            Topic = "Home loan",
            Minutes = 3,
            Excerpt = "The lowest interest rate is not always the cheapest loan. Here is what to line up side by side.",
            Paragraphs =
            [
                "A home loan is likely the longest financial commitment you will make, so small differences between offers add up over many years. Collect at least three offers and compare them on the same basis.",
                "Start with the interest rate, but ask whether it is fixed or floating and how a floating rate is linked and reset. A rate that looks low today matters less if it can change quickly.",
                "Then look at the charges around the loan: processing fee, administrative or legal fees, and any charges for part-payment or foreclosure. Rules for prepayment differ between fixed and floating loans, so ask the lender to state them in writing.",
                "Finally, work out the total cost. Multiply the EMI by the number of months, add the fees, and compare that figure across offers. Use the EMI calculator on our home loan page to test different amounts and tenures before you apply."
            ]
        },
        new Guide
        {
            Slug = "education-loan-checklist",
            Title = "Before you take an education loan",
            Topic = "Education loan",
            Minutes = 3,
            Excerpt = "Know the full cost, the repayment holiday and what a co-applicant means for you.",
            Paragraphs =
            [
                "Education can be expensive, and a loan makes it possible for many families. A little planning keeps the repayment manageable after the course ends.",
                "Estimate the full cost first: tuition, accommodation, books, travel and living expenses for every year of the course. Borrow what you need, not the maximum you are offered.",
                "Ask about the moratorium, which is the period during the course when you do not have to pay EMIs. Interest usually continues to build during this time, so paying even the interest while you study can lower the total you repay.",
                "Check whether the lender needs a co-applicant or collateral, especially for larger amounts. Interest paid on an education loan may also qualify for a tax deduction, so confirm the current rules with a tax adviser."
            ]
        },
        new Guide
        {
            Slug = "credit-score-basics",
            Title = "Credit score basics before you apply",
            Topic = "Credit score",
            Minutes = 2,
            Excerpt = "Lenders look at your credit score first. A few habits can improve it before you apply.",
            Paragraphs =
            [
                "In India, credit scores usually range from 300 to 900. A higher score tells lenders you have a record of repaying on time, and it often leads to better terms.",
                "Pay every EMI and credit card bill by its due date. Keep your card usage well below your limit, and avoid applying to many lenders in a short period, because each application can leave an enquiry on your report.",
                "Check your credit report before you apply. You can request a free full report from each credit bureau once a year. If you find an error, such as a loan that is not yours, ask the bureau and the lender to correct it.",
                "If your score is lower than you would like, a few months of steady, on-time payments is often the most reliable fix."
            ]
        }
    ];

    public static Guide? Find(string? slug) =>
        All.FirstOrDefault(g => string.Equals(g.Slug, slug, StringComparison.OrdinalIgnoreCase));
}