<?php

return [
    'document_title' => 'Onboarding',
    'brand' => 'Budgets',
    'step_of' => 'Step :current of :total',
    'steps_a11y' => 'Onboarding progress',
    'quick_setup' => '2-minute setup',
    'skip' => 'Skip for now',
    'back' => 'Back',
    'continue' => 'Continue',
    'finish' => 'Finish',
    'footer_hint' => 'You can change any of this later in Settings.',

    'toast_welcome' => 'Welcome aboard! Your personalized dashboard is ready.',
    'toast_skipped' => 'You can finish setup anytime from Settings.',

    'welcome_points' => [
        ['icon' => 'layout-dashboard', 'text' => 'Income, bills, subscriptions, and spending — one clear view instead of five tabs.'],
        ['icon' => 'repeat', 'text' => 'Renewals and monthly burn show up early, so small leaks do not become shocks.'],
        ['icon' => 'upload', 'text' => 'Import a statement when you are ready — we help categorize so you are not starting from zero.'],
        ['icon' => 'pie-chart', 'text' => 'Soft category limits with gentle nudges — guidance without guilt when life shifts.'],
        ['icon' => 'shield-check', 'text' => 'Your workspace stays yours. Nothing is shared unless you explicitly choose to.'],
        ['icon' => 'sparkles', 'text' => 'A short setup now — then a dashboard and hints tuned to how you actually spend.'],
    ],

    'invited' => [
        'eyebrow' => 'You\'ve been invited',
        'title' => ':name invited you to Budgets',
        'description' => 'You share only what they invite you to. Your personal money stays private.',
        'workspace_title' => 'Shared workspace',
        'workspace_body' => ':name sees only what they shared. You can leave anytime.',
    ],

    'welcome' => [
        'eyebrow' => 'Welcome',
        'title' => 'Calm clarity for your money',
        'description' => 'Less guesswork about what you can spend, what is coming due, and what quietly drains cash.',
        'points_label' => 'Six things you get from Budgets',
    ],

    'account' => [
        'eyebrow' => 'Account',
        'title' => 'Tell us who you are',
        'description' => 'We use your name and email to personalize the app. Nothing is shared.',
        'first_name' => 'First name',
        'last_name' => 'Last name',
        'email' => 'Email',
        'placeholder_first' => 'Alex',
        'placeholder_last' => 'Thompson',
        'placeholder_email' => 'alex@example.com',
        'privacy_note' => 'Used only to personalize your account and never shared without your consent.',
    ],

    'goals' => [
        'eyebrow' => 'Goals',
        'title' => 'What brings you here?',
        'description' => 'Pick a few. We\'ll tailor your dashboard widgets and AI suggestions accordingly.',
        'options' => [
            ['id' => 'emergency', 'icon' => 'shield', 'label' => 'Emergency fund', 'description' => 'Build a 3-6 month safety net.'],
            ['id' => 'save', 'icon' => 'piggy-bank', 'label' => 'Save more', 'description' => 'Grow savings consistently.'],
            ['id' => 'debt', 'icon' => 'credit-card', 'label' => 'Pay off debt', 'description' => 'Reduce balances faster.'],
            ['id' => 'subscriptions', 'icon' => 'repeat', 'label' => 'Cut subscriptions', 'description' => 'Stop wasting on unused services.'],
            ['id' => 'travel', 'icon' => 'plane', 'label' => 'Travel', 'description' => 'Plan that next trip without stress.'],
            ['id' => 'invest', 'icon' => 'trending-up', 'label' => 'Start investing', 'description' => 'Put money to work long-term.'],
            ['id' => 'education', 'icon' => 'graduation-cap', 'label' => 'Education', 'description' => 'Save for courses or tuition.'],
            ['id' => 'wellness', 'icon' => 'heart', 'label' => 'Health & wellness', 'description' => 'Budget for health and self-care.'],
        ],
    ],

    'income' => [
        'eyebrow' => 'Income',
        'title' => 'What\'s your typical monthly income?',
        'description' => 'Net amount after taxes. We\'ll use this to calculate safe-to-spend and savings rate.',
        'label' => 'Monthly income',
        'placeholder' => '3500',
        'helper' => 'Tap a preset or type your own — you can change this anytime in Settings.',
        'presets_caption' => 'Suggested amounts',
    ],

    'bills' => [
        'eyebrow' => 'Recurring bills',
        'title' => 'Which of these do you pay?',
        'description' => 'Tap the ones you have so we can pre-fill your recurring expenses.',
        'helper' => 'Subscriptions and utilities show up here — nothing is charged, this is just for your plan.',
        'per_month' => '/ month',
        'selected' => 'Selected:',
        'total_approx' => '· Total ≈ €',
        'suffix_mo' => '/mo',
    ],

    'bills_presets' => [
        ['name' => 'Rent / Mortgage', 'amount' => 1200, 'icon' => 'home'],
        ['name' => 'Electricity', 'amount' => 65, 'icon' => 'zap'],
        ['name' => 'Internet', 'amount' => 35, 'icon' => 'wifi'],
        ['name' => 'Phone', 'amount' => 25, 'icon' => 'smartphone'],
        ['name' => 'Netflix', 'amount' => 15.99, 'icon' => 'tv'],
        ['name' => 'Spotify', 'amount' => 9.99, 'icon' => 'music-2'],
        ['name' => 'Gym', 'amount' => 39, 'icon' => 'dumbbell'],
        ['name' => 'Insurance', 'amount' => 80, 'icon' => 'shield'],
    ],

    'budget' => [
        'eyebrow' => 'Spending',
        'title' => 'Set your first category limit',
        'description' => 'Most people start with food or shopping. You can add more anytime.',
        'helper' => 'This is a soft cap — we\'ll nudge you before you drift over it.',
        'categories_label' => 'Category',
        'categories' => [
            ['id' => 'food', 'label' => 'Food'],
            ['id' => 'transport', 'label' => 'Transport'],
            ['id' => 'shopping', 'label' => 'Shopping'],
            ['id' => 'entertainment', 'label' => 'Fun'],
        ],
        'limit_label' => 'Monthly limit',
    ],

    'import' => [
        'eyebrow' => 'Optional',
        'title' => 'Want to import past transactions?',
        'description' => 'Upload a bank statement (CSV, PDF, Excel) to instantly populate categories, subscriptions, and trends. You can do this later from Transactions.',
        'helper' => 'Files stay private to your workspace until you confirm the import.',
        'upload_title' => 'Upload statement',
        'upload_desc' => 'Parse, preview, and import in seconds.',
        'skip_title' => 'Skip and explore',
        'skip_desc' => 'Go straight to your personalized dashboard.',
    ],

    'flow' => [
        'benefits_eyebrow' => 'Benefits of the app',
        'benefits_title' => 'A calmer, healthier money life starts here',
        'benefits_desc' => 'You are not here to be perfect, just consistent. We will help you understand your numbers, reduce stress, and build better habits one step at a time.',
        'income_eyebrow' => 'Income',
        'income_title' => 'Great start, now let\'s anchor your income',
        'income_desc' => 'Your income is the foundation of your plan. We use it to keep your budget realistic and your goals achievable.',
        'income_helper_plus_minus' => 'Use +/- to quickly adjust in 50 EUR steps.',
        'payday_label' => 'Which day are you usually paid? (1-28)',
        'payday_placeholder' => 'Example: 5',
        'expenses_eyebrow' => 'Expenses & bills',
        'expenses_title' => 'Let\'s map your recurring expenses and bills',
        'expenses_desc' => 'These are the payments that happen whether you think about them or not. Capturing them now helps you avoid surprises later.',
        'expense_name_placeholder' => 'Expense name',
        'expense_amount_placeholder' => 'Amount',
        'budget_eyebrow' => 'Budgets',
        'budget_title' => 'Let\'s keep your expenses on track',
        'budget_desc' => 'Set a realistic limit, not a punishment. We will gently guide you before you go over so you stay in control.',
        'budget_placeholder' => 'Example: 450',
        'monthly_commitments' => 'Monthly commitments',
        'free_cash_estimate' => 'Free cash estimate',
        'guidance_title' => 'Why this matters',
        'income_guidance_1' => 'Income anchors every forecast, budget, and debt plan in your dashboard.',
        'income_guidance_2' => 'Use your usual net salary so your plan stays realistic month after month.',
        'income_guidance_3' => 'Payday helps us place recurring entries at safer moments in your month.',
        'impact_title' => 'Live impact',
        'active_recurring_cost' => 'Active recurring cost',
        'active_recurring_count' => 'Active recurring items',
        'expenses_guidance' => 'Only mark expenses you truly pay monthly. This keeps alerts and projections accurate.',
        'plan_load' => 'Income load used by plan',
        'budget_guidance' => 'A healthy plan usually keeps this ratio below 85% so unexpected costs do not break your month.',
        'debts_eyebrow' => 'Debts',
        'debts_title' => 'If you have debts, let\'s pay them off with a plan',
        'debts_desc' => 'Tracking debts clearly is the first step to reducing them. We will help you prioritize and build momentum month by month.',
        'add_debt' => 'Add debt',
        'debt_name_label' => 'Debt account',
        'debt_name' => 'Debt name (e.g. Credit card)',
        'debt_balance_label' => 'Current balance (EUR)',
        'debt_balance' => 'Current balance',
        'debt_minimum_label' => 'Minimum monthly payment (EUR)',
        'debt_minimum' => 'Minimum payment',
        'debt_due_day_label' => 'Due day (1-28)',
        'debt_due_day' => 'Due day',
        'debt_type_label' => 'Debt type',
        'debt_type_loan' => 'Loan',
        'debt_type_card' => 'Credit card',
        'debts_count' => 'Debts tracked',
        'debts_total' => 'Total debt balance',
        'debts_monthly_minimum' => 'Monthly debt minimum',
        'remove' => 'Remove',
        'summary_eyebrow' => 'Welcome summary',
        'summary_title' => 'Welcome, your personalized financial plan is ready',
        'summary_desc' => 'This is your starting point. Based on your inputs, here is what matters most right now and the healthiest next steps.',
        'go_to_app' => 'Go to app',
    ],

    'summary' => [
        'ai_heading' => 'AI guidance based on your data',
        'advice_fixed_costs' => 'Your fixed monthly commitments are around :percent% of your income. Keeping this healthy gives you room to breathe.',
        'advice_buffer_positive' => 'You still keep around €:amount free each month, which is excellent for savings, goals, and a stronger emergency buffer.',
        'advice_buffer_negative' => 'Your current plan is short by about €:amount. A good next step is reducing one bill or adjusting one budget category first.',
        'advice_payday' => 'We will align recurring entries around day :day so your month feels more predictable and less stressful.',
    ],

    'seed' => [
        'monthly_income' => 'Monthly income',
        'recurring_bill' => 'Recurring bill',
        'monthly_budget_name' => 'Monthly :category budget',
    ],
];
