dscf-credit 0.4.47 → 0.4.49

data/db/dev_seeds.rb

@@ -1,1258 +1,582 @@
-# =============================================================================
-# DEV SEEDS — DSCF Credit Engine
-# =============================================================================
+# DSCF Credit Engine — DEV Seeds
+# ========================================================
+# Creates rich development data for the DSCF Credit Dev Workflow
+# Postman collection. Depends on db/seeds.rb having already run.
 #
-# PURPOSE: 3 fully-predictable, calculable loan application scenarios for
-# manual end-to-end testing of the DSCF Credit scoring and loan pipeline.
+# Usage:
+#   RAILS_ENV=development bundle exec rails runner db/dev_seeds.rb
 #
-# HOW TO RUN:
-#   From engine root (spec/dummy context):
-#     cd spec/dummy && RAILS_ENV=development bundle exec rails runner \
-#       "load Rails.root.join('../../db/dev_seeds.rb')"
-#
-#   Or set up a Rake task pointing at this file:
-#     Rake::Task["db:seed"].enhance do
-#       load Rails.root.join("../../db/dev_seeds.rb")
-#     end
-#
-# -----------------------------------------------------------------------------
-# THE 3 SCENARIOS
-# -----------------------------------------------------------------------------
-#
-#   Scenario A — Sara Kebede  (sara.kebede@dev.et)
-#     avg_monthly_purchase:  380,000 ETB  → High Volume  → normalized 0.95
-#     years_in_business:     8 years      → Established  → normalized 0.80
-#     business_type:         "retail"                    → normalized 0.80
-#     payment_track_record:  "excellent"                 → normalized 1.00
-#
-#     MATH:  0.95×0.35 + 0.80×0.25 + 0.80×0.20 + 1.00×0.20
-#          = 0.3325  + 0.2000  + 0.1600  + 0.2000  = 0.8925
-#     final_score = (0.8925 / 1.00) × 100 = 89.25  → APPROVED (≥ 65.0)
-#
-#     Facility limits (base_metric = 380,000 ÷ 1, capped to spec min/max):
-#       Credit Line A (30D, multiplier 0.50): 380k × 0.50 × 0.8925 = 169,575
-#       Credit Line B (90D, multiplier 1.00): 380k × 1.00 × 0.8925 = 339,150
-#       Credit Line C (180D/wholesale, multiplier 2.00): 380k × 2.00 × 0.8925 = 678,300
-#       total_limit = 1,187,025
-#
-#     Seed state: Full pipeline — LoanProfile BB010001, ScoringResult, 3
-#     EligibleCreditLine records.  1 active Loan (150k ETB, Credit Line A,
-#     disbursed 30 days ago, due in 5 days) with 3 LoanAccruals.
-#
-#   Scenario B — Mekdes Tadesse  (mekdes.tadesse@dev.et)
-#     avg_monthly_purchase:  120,000 ETB  → Low Volume   → normalized 0.40
-#     years_in_business:     3 years      → Emerging     → normalized 0.50
-#     business_type:         "startup"                   → normalized 0.30
-#     payment_track_record:  "good"                      → normalized 0.75
-#
-#     MATH:  0.40×0.35 + 0.50×0.25 + 0.30×0.20 + 0.75×0.20
-#          = 0.1400  + 0.1250  + 0.0600  + 0.1500  = 0.4750
-#     final_score = (0.4750 / 1.00) × 100 = 47.50
-#     45.0 ≤ 47.50 < 65.0  → PENDING (manual review required)
-#
-#     Seed state: All data submitted, score=47.50 on LoanApplication, review
-#     status = "pending".  NO LoanProfile yet.  Awaiting:
-#       PATCH /loan_applications/:id/approve
-#
-#   Scenario C — Dawit Alemu  (dawit.alemu@dev.et)
-#     avg_monthly_purchase:  30,000 ETB   → Very Low Vol → normalized 0.10
-#     years_in_business:     1 year       → Startup      → normalized 0.10
-#     business_type:         "startup"                   → normalized 0.30
-#     payment_track_record:  "poor"                      → normalized 0.20
-#
-#     MATH:  0.10×0.35 + 0.10×0.25 + 0.30×0.20 + 0.20×0.20
-#          = 0.0350  + 0.0250  + 0.0600  + 0.0400  = 0.1600
-#     final_score = (0.1600 / 1.00) × 100 = 16.00
-#     16.00 < 45.0 (pending_threshold)  → REJECTED
-#
-#     Seed state: Data submitted, review status = "draft" (not yet scored in
-#     system).  Score the application to see auto-rejection:
-#       POST /loan_applications/:id/score  (or equivalent scoring endpoint)
-#
-# =============================================================================
-
-puts ""
-puts "=" * 70
-puts "  DEV SEEDS — DSCF Credit Engine"
-puts "=" * 70
-
-# =============================================================================
-# 0. CORE DEPENDENCIES
-# =============================================================================
-
-unless defined?(Dscf::Credit::Bank)
-  puts "ERROR: Dscf::Credit models not found. Run inside the engine context."
-  return
-end
-
-# ---------------------------------------------------------------------------
-# 0.1  Admin users (must already exist from production seeds)
-# ---------------------------------------------------------------------------
-admin_user = nil
-bank_admin  = nil
-
-if defined?(Dscf::Core::User)
-  admin_user = Dscf::Core::User.find_or_create_by!(email: "admin@bunna.com") do |u|
-    u.phone          = "+251911123456"
-    u.verified_at    = Time.current
-    u.temp_password  = false
-    u.password       = "SecurePassword123!"
-  end
-
-  bank_admin = Dscf::Core::User.find_or_create_by!(email: "bank.admin@bunna.com") do |u|
-    u.phone         = "+251922123456"
-    u.verified_at   = Time.current
-    u.temp_password = false
-    u.password      = "SecurePassword123!"
-  end
-
-  puts "✓ Admin users resolved (admin_user##{admin_user.id}, bank_admin##{bank_admin.id})"
-else
-  puts "WARNING: Dscf::Core::User not available — skipping user-dependent records."
-end
-
-# ---------------------------------------------------------------------------
-# 0.2  Bunna Bank
-# ---------------------------------------------------------------------------
-bunna_bank = Dscf::Credit::Bank.find_or_create_by!(registration_number: "BUN001") do |b|
-  b.name                 = "Bunna Bank"
-  b.swift_code           = "BUNNETAA"
-  b.headquarters_address = "Churchill Avenue, Addis Ababa"
-  b.city                 = "Addis Ababa"
-  b.country              = "Ethiopia"
-  b.contact_email        = "info@bunnabank.com"
-  b.contact_phone        = "+251115510000"
-  b.status               = "active"
-end
-puts "✓ Bunna Bank resolved (id=#{bunna_bank.id})"
-
-# ---------------------------------------------------------------------------
-# 0.3  Head-office branch (used as review_branch for all dev applications)
-# ---------------------------------------------------------------------------
-dev_branch = Dscf::Credit::BankBranch.find_or_create_by!(bank: bunna_bank, branch_name: "Head Office") do |br|
-  br.branch_code    = "BUN-HO-001"
-  br.branch_address = "Churchill Avenue, Addis Ababa"
-  br.city           = "Addis Ababa"
-  br.country        = "Ethiopia"
-  br.contact_email  = "headoffice@bunnabank.com"
-  br.contact_phone  = "+251115510001"
-  br.status         = "active"
-end
-puts "✓ Head-office branch resolved (id=#{dev_branch.id})"
-
-# ---------------------------------------------------------------------------
-# 0.4  Global information sources (bank_id: nil — created by prod seeds)
-# ---------------------------------------------------------------------------
-info_source_facilitator    = Dscf::Credit::InformationSource.find_or_create_by!(code: "facilitator", bank_id: nil) do |s|
-  s.name        = "Facilitator"
-  s.description = "Field facilitator who verifies applicant data and provides on-the-ground assessments"
-  s.active      = true
-  s.created_by  = admin_user
-end
-
-info_source_applicant = Dscf::Credit::InformationSource.find_or_create_by!(code: "applicant", bank_id: nil) do |s|
-  s.name        = "Applicant"
-  s.description = "The loan applicant (borrower/retailer) who provides self-reported data during the application process"
-  s.active      = true
-  s.created_by  = admin_user
-end
-
-info_source_branch_officer = Dscf::Credit::InformationSource.find_or_create_by!(code: "branch_officer", bank_id: nil) do |s|
-  s.name        = "Branch Officer"
-  s.description = "Bank branch officer who conducts in-person verification and assessment"
-  s.active      = true
-  s.created_by  = admin_user
+# Expected state after running:
+#   - DEV Retail category
+#   - dev_retailer_v1 scoring table (passing=65, pending=45)
+#   - 4 scoring parameters with normalizers
+#   - 3 credit lines (30/60/90 day) each with credit_line_specs
+#   - 3 loan applications: Sara (auto-approved), Mekdes (pending data), Dawit (pending data)
+#   - Sara: fully scored (89.25), loan profile, 3 ECLs, active loan, accruals
+#   - Mekdes & Dawit: source data pre-seeded, scoring NOT run (trigger via API)
+# ========================================================
+
+puts "=" * 60
+puts "DSCF Credit Engine — DEV Seeds"
+puts "=" * 60
+
+# ── Prerequisites ──────────────────────────────────────────
+admin_user = Dscf::Core::User.find_by!(email: "admin@bunna.com")
+bank_admin = Dscf::Core::User.find_by!(email: "bank.admin@bunna.com")
+bunna_bank = Dscf::Credit::Bank.find_by!(registration_number: "BUN001")
+bunna_head_office = Dscf::Credit::BankBranch.find_by!(bank: bunna_bank, branch_name: "Head Office")
+facilitator1 = Dscf::Credit::Facilitator.first!
+info_source_facilitator  = Dscf::Credit::InformationSource.find_by!(code: "facilitator")
+info_source_applicant    = Dscf::Credit::InformationSource.find_by!(code: "applicant")
+info_source_branch       = Dscf::Credit::InformationSource.find_by!(code: "branch_officer")
+
+puts "✓ Prerequisites loaded"
+
+# ── 1. DEV Category ────────────────────────────────────────
+puts "\n── Seeding DEV category ──"
+dev_category = Dscf::Credit::Category.find_or_create_by!(
+  category_type: "credit_line", name: "DEV Retail"
+) do |c|
+  c.description = "Development retail category for testing the scoring workflow"
 end
+puts "✓ Category: #{dev_category.name} (id=#{dev_category.id})"
 
-puts "✓ Information sources resolved (facilitator##{info_source_facilitator.id}, applicant##{info_source_applicant.id}, branch_officer##{info_source_branch_officer.id})"
-
-# =============================================================================
-# 1. DEV SCORING TABLE
-#    code: dev_retailer_v1 | is_template: false | bank: Bunna Bank
-# =============================================================================
-puts ""
-puts "--- [1/8] DEV Scoring Table ---"
-
+# ── 2. DEV Scoring Table ──────────────────────────────────
+puts "\n── Seeding DEV scoring table ──"
 dev_scoring_table = Dscf::Credit::ScoringTable.find_or_create_by!(code: "dev_retailer_v1") do |st|
-  st.name              = "DEV Retailer Scoring" # unique per bank_id
-  st.description       = "[DEV] Scoring table for retail applicant dev scenarios — do not use in production"
-  st.document_reference = "DEV-ST-RET-001"
-  st.passing_score     = 65.0
+  st.name             = "DEV Retailer Scoring Table v1"
+  st.description      = "Development scoring table with 4 parameters for retailer credit assessment"
+  st.document_reference = "DEV-ST-RET-V1"
+  st.passing_score    = 65.0
   st.pending_threshold = 45.0
-  st.active            = true
-  st.is_template       = false
-  st.bank              = bunna_bank
-  st.created_by        = admin_user
-end
-
-# Approved review so scoring engine can use this table
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: dev_scoring_table, context: "default") do |r|
-    r.status      = "approved"
-    r.reviewed_by = admin_user
-    r.reviewed_at = Time.current
+  st.active           = true
+  st.is_template      = true
+  st.bank_id          = nil
+  st.created_by       = admin_user
+end
+Dscf::Core::Review.find_or_create_by!(reviewable: dev_scoring_table, context: "default") do |r|
+  r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
+end
+puts "✓ Scoring table: #{dev_scoring_table.code} (passing=#{dev_scoring_table.passing_score}, pending=#{dev_scoring_table.pending_threshold})"
+
+# ── 3. DEV Scoring Parameters ─────────────────────────────
+puts "\n── Seeding DEV scoring parameters ──"
+
+param_definitions = [
+  { code: "avg_monthly_purchase", name: "Average Monthly Purchase", data_type: "decimal",
+    description: "Average monthly purchase volume in ETB" },
+  { code: "years_in_business",    name: "Years in Business",       data_type: "integer",
+    description: "Number of years the applicant has been in business" },
+  { code: "business_type",        name: "Business Type",           data_type: "string",
+    description: "Type/maturity of business (established, startup, micro)" },
+  { code: "payment_track_record", name: "Payment Track Record",    data_type: "string",
+    description: "Historical payment behavior rating" }
+]
+
+dev_params = {}
+param_definitions.each do |defn|
+  param = Dscf::Credit::ScoringParameter.find_or_create_by!(bank: bunna_bank, code: defn[:code]) do |p|
+    p.name               = defn[:name]
+    p.description        = defn[:description]
+    p.data_type          = defn[:data_type]
+    p.active             = true
+    p.created_by         = admin_user
+    p.category           = dev_category
+    p.document_reference = "DEV-SP-#{defn[:code].upcase}"
+  end
+  Dscf::Core::Review.find_or_create_by!(reviewable: param, context: "default") do |r|
+    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
   end
+  dev_params[defn[:code]] = param
+  puts "  ✓ #{param.code} (id=#{param.id}, type=#{param.data_type})"
 end
 
-puts "✓ DEV Scoring Table created (id=#{dev_scoring_table.id}, passing=#{dev_scoring_table.passing_score}, pending_threshold=#{dev_scoring_table.pending_threshold})"
-
-# =============================================================================
-# 2. DEV CATEGORY
-#    Must reference the scoring table (scoring_table_id is set here)
-# =============================================================================
-puts ""
-puts "--- [2/8] DEV Category ---"
-
-dev_category = Dscf::Credit::Category.find_or_create_by!(
-  category_type: "credit_line",
-  name:          "DEV Retail"
-) do |c|
-  c.description = "[DEV] Retail category for dev seed scenarios — do not use in production"
-  c.bank        = bunna_bank
-end
-
-puts "✓ DEV Category created (id=#{dev_category.id}, name=#{dev_category.name})"
-
-# =============================================================================
-# 2.5 DEV CREDIT PRODUCT
-#    Wraps the scoring table — CreditLines belong to CreditProduct, not Category
-#    Category is now purely an organizer for ScoringParameter records
-# =============================================================================
-puts ""
-puts "--- [2.5] DEV Credit Product ---"
-
+# ── 4. DEV Credit Product ─────────────────────────────────
+puts "\n── Seeding DEV credit product ──"
 dev_credit_product = Dscf::Credit::CreditProduct.find_or_create_by!(
-  bank: bunna_bank,
-  name: "DEV Retail Credit Product"
+  bank: bunna_bank, name: "DEV Retailer Credit Product"
 ) do |cp|
   cp.scoring_table      = dev_scoring_table
-  cp.description        = "[DEV] Credit product linking DEV Retailer Scoring to dev credit lines"
+  cp.description        = "Development credit product for retailer workflow testing"
   cp.document_reference = "DEV-CP-RET-001"
 end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: dev_credit_product, context: "default") do |r|
-    r.status      = "approved"
-    r.reviewed_by = admin_user
-    r.reviewed_at = Time.current
-  end
-end
-
-puts "✓ DEV Credit Product created (id=#{dev_credit_product.id}, scoring_table=#{dev_scoring_table.code})"
-
-# =============================================================================
-# 3. DEV SCORING PARAMETERS (4 parameters, all under dev_category)
-#    Codes are prefixed with dev_ to avoid conflicts with production parameters
-# =============================================================================
-puts ""
-puts "--- [3/8] DEV Scoring Parameters ---"
-
-# Parameter 1: avg_monthly_purchase — decimal — weight 0.35 — source: facilitator
-param_avg_monthly_purchase = Dscf::Credit::ScoringParameter.find_or_create_by!(
-  code:    "dev_avg_monthly_purchase",
-  bank:    bunna_bank
-) do |p|
-  p.name        = "DEV Avg Monthly Purchase"
-  p.description = "Average monthly purchase volume in ETB"
-  p.data_type   = "decimal"
-  p.active      = true
-  p.category    = dev_category
-  p.created_by  = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: param_avg_monthly_purchase, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-# Parameter 2: years_in_business — integer — weight 0.25 — source: applicant
-param_years_in_business = Dscf::Credit::ScoringParameter.find_or_create_by!(
-  code: "dev_years_in_business",
-  bank: bunna_bank
-) do |p|
-  p.name        = "DEV Years in Business"
-  p.description = "Number of years the business has been operating"
-  p.data_type   = "integer"
-  p.active      = true
-  p.category    = dev_category
-  p.created_by  = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: param_years_in_business, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-# Parameter 3: business_type — string — weight 0.20 — source: applicant
-param_business_type = Dscf::Credit::ScoringParameter.find_or_create_by!(
-  code: "dev_business_type",
-  bank: bunna_bank
-) do |p|
-  p.name        = "DEV Business Type"
-  p.description = "Type of business (retail, wholesale, startup, service)"
-  p.data_type   = "string"
-  p.active      = true
-  p.category    = dev_category
-  p.created_by  = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: param_business_type, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-# Parameter 4: payment_track_record — string — weight 0.20 — source: branch_officer
-param_payment_track_record = Dscf::Credit::ScoringParameter.find_or_create_by!(
-  code: "dev_payment_track_record",
-  bank: bunna_bank
-) do |p|
-  p.name        = "DEV Payment Track Record"
-  p.description = "Historical payment reliability rating"
-  p.data_type   = "string"
-  p.active      = true
-  p.category    = dev_category
-  p.created_by  = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: param_payment_track_record, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-puts "✓ 4 DEV Scoring Parameters created:"
-puts "  ##{param_avg_monthly_purchase.id}  dev_avg_monthly_purchase   (decimal)"
-puts "  ##{param_years_in_business.id}  dev_years_in_business      (integer)"
-puts "  ##{param_business_type.id}  dev_business_type          (string)"
-puts "  ##{param_payment_track_record.id}  dev_payment_track_record   (string)"
-puts "  Weights: 0.35 + 0.25 + 0.20 + 0.20 = 1.00 ✓"
-
-# =============================================================================
-# 4. DEV SCORING TABLE PARAMETERS + NORMALIZERS
-#    Links scoring_table ↔ scoring_parameter with weight & information_source
-# =============================================================================
-puts ""
-puts "--- [4/8] DEV Scoring Table Parameters & Normalizers ---"
-
-# ---------------------------------------------------------------------------
-# STP 1: avg_monthly_purchase — decimal — weight 0.35 — source: facilitator
-# ---------------------------------------------------------------------------
-stp_avg_purchase = Dscf::Credit::ScoringTableParameter.find_or_create_by!(
-  scoring_table:     dev_scoring_table,
-  scoring_parameter: param_avg_monthly_purchase
-) do |stp|
-  stp.weight             = 0.35
-  stp.information_source = info_source_facilitator
-  stp.required           = true
-  stp.order              = 1
-  stp.created_by         = admin_user
-end
-
-# Range-based normalizers for avg_monthly_purchase (decimal)
-#   0 – 49,999     → 0.10  "Very Low Volume"
-#   50,000 – 149,999   → 0.40  "Low Volume"
-#   150,000 – 349,999  → 0.70  "Medium Volume"
-#   350,000 – 999,999  → 0.95  "High Volume"
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_avg_purchase,
-  min_range_value: 0,
-  max_range_value: 49_999
-) { |n| n.name = "Very Low Volume"; n.normalized_value = 0.10 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_avg_purchase,
-  min_range_value: 50_000,
-  max_range_value: 149_999
-) { |n| n.name = "Low Volume"; n.normalized_value = 0.40 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_avg_purchase,
-  min_range_value: 150_000,
-  max_range_value: 349_999
-) { |n| n.name = "Medium Volume"; n.normalized_value = 0.70 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_avg_purchase,
-  min_range_value: 350_000,
-  max_range_value: 999_999
-) { |n| n.name = "High Volume"; n.normalized_value = 0.95 }
-
-puts "  ✓ stp_avg_purchase (id=#{stp_avg_purchase.id}, weight=0.35) + 4 normalizers"
-
-# ---------------------------------------------------------------------------
-# STP 2: years_in_business — integer — weight 0.25 — source: applicant
-# ---------------------------------------------------------------------------
-stp_years = Dscf::Credit::ScoringTableParameter.find_or_create_by!(
-  scoring_table:     dev_scoring_table,
-  scoring_parameter: param_years_in_business
-) do |stp|
-  stp.weight             = 0.25
-  stp.information_source = info_source_applicant
-  stp.required           = true
-  stp.order              = 2
-  stp.created_by         = admin_user
-end
-
-# Range-based normalizers for years_in_business (integer)
-#   0 – 1   → 0.10  "Startup"
-#   2 – 4   → 0.50  "Emerging"
-#   5 – 9   → 0.80  "Established"
-#   10 – 99 → 1.00  "Veteran"
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_years,
-  min_range_value: 0,
-  max_range_value: 1
-) { |n| n.name = "Startup"; n.normalized_value = 0.10 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_years,
-  min_range_value: 2,
-  max_range_value: 4
-) { |n| n.name = "Emerging"; n.normalized_value = 0.50 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_years,
-  min_range_value: 5,
-  max_range_value: 9
-) { |n| n.name = "Established"; n.normalized_value = 0.80 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_years,
-  min_range_value: 10,
-  max_range_value: 99
-) { |n| n.name = "Veteran"; n.normalized_value = 1.00 }
-
-puts "  ✓ stp_years (id=#{stp_years.id}, weight=0.25) + 4 normalizers"
-
-# ---------------------------------------------------------------------------
-# STP 3: business_type — string — weight 0.20 — source: applicant
-# ---------------------------------------------------------------------------
-stp_biz_type = Dscf::Credit::ScoringTableParameter.find_or_create_by!(
-  scoring_table:     dev_scoring_table,
-  scoring_parameter: param_business_type
-) do |stp|
-  stp.weight             = 0.20
-  stp.information_source = info_source_applicant
-  stp.required           = true
-  stp.order              = 3
-  stp.created_by         = admin_user
-end
-
-# Text-based normalizers for business_type (string)
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_biz_type,
-  text_value: "retail"
-) { |n| n.name = "Retail Business"; n.normalized_value = 0.80 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_biz_type,
-  text_value: "wholesale"
-) { |n| n.name = "Wholesale Business"; n.normalized_value = 0.90 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_biz_type,
-  text_value: "startup"
-) { |n| n.name = "Startup Business"; n.normalized_value = 0.30 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_biz_type,
-  text_value: "service"
-) { |n| n.name = "Service Business"; n.normalized_value = 0.60 }
-
-puts "  ✓ stp_biz_type (id=#{stp_biz_type.id}, weight=0.20) + 4 normalizers"
-
-# ---------------------------------------------------------------------------
-# STP 4: payment_track_record — string — weight 0.20 — source: branch_officer
-# ---------------------------------------------------------------------------
-stp_payment = Dscf::Credit::ScoringTableParameter.find_or_create_by!(
-  scoring_table:     dev_scoring_table,
-  scoring_parameter: param_payment_track_record
-) do |stp|
-  stp.weight             = 0.20
-  stp.information_source = info_source_branch_officer
-  stp.required           = true
-  stp.order              = 4
-  stp.created_by         = admin_user
-end
-
-# Text-based normalizers for payment_track_record (string)
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_payment,
-  text_value: "excellent"
-) { |n| n.name = "Excellent Payment Record"; n.normalized_value = 1.00 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_payment,
-  text_value: "good"
-) { |n| n.name = "Good Payment Record"; n.normalized_value = 0.75 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_payment,
-  text_value: "fair"
-) { |n| n.name = "Fair Payment Record"; n.normalized_value = 0.50 }
-
-Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
-  scoring_table_parameter: stp_payment,
-  text_value: "poor"
-) { |n| n.name = "Poor Payment Record"; n.normalized_value = 0.20 }
-
-puts "  ✓ stp_payment (id=#{stp_payment.id}, weight=0.20) + 4 normalizers"
-puts "  Total weight check: 0.35 + 0.25 + 0.20 + 0.20 = 1.00 ✓"
-
-# =============================================================================
-# 5. DEV CREDIT LINES + SPECS
-# =============================================================================
-puts ""
-puts "--- [5/8] DEV Credit Lines & Specs ---"
-
-# ---------------------------------------------------------------------------
-# Credit Line A: 30-Day Retail Credit (DEV-RET-30D)
-# ---------------------------------------------------------------------------
-credit_line_30d = Dscf::Credit::CreditLine.find_or_create_by!(
-  bank: bunna_bank,
-  code: "DEV-RET-30D"
-) do |cl|
-  cl.name          = "DEV 30-Day Retail Credit"
-  cl.credit_product = dev_credit_product
-  cl.description   = "[DEV] 30-day short-term retail supplier credit"
-  cl.created_by    = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: credit_line_30d, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-Dscf::Credit::CreditLineSpec.find_or_create_by!(credit_line: credit_line_30d) do |s|
-  s.min_amount                  = 10_000.00
-  s.max_amount                  = 200_000.00
-  s.interest_rate               = 0.15          # 15% per annum
-  s.penalty_rate                = 0.02          # 2%
-  s.facilitation_fee_rate       = 0.01          # 1%
-  s.tax_rate                    = 0.05          # 5%
-  s.max_penalty_days            = 15
-  s.loan_duration               = 30
-  s.interest_frequency          = "daily"
-  s.interest_income_tax         = 0.0300
-  s.vat                         = 0.15
-  s.max_interest_calculation_days = 30
-  s.penalty_frequency           = "daily"
-  s.penalty_income_tax          = 0.025
-  s.minimum_score               = 45.0
-  s.credit_line_multiplier      = 0.50
-  s.credit_line_divider         = 1
-  s.active                      = true
-  s.base_scoring_parameter      = param_avg_monthly_purchase
-  s.created_by                  = admin_user
-end
-
-# ---------------------------------------------------------------------------
-# Credit Line B: 90-Day Retail Credit (DEV-RET-90D)
-# ---------------------------------------------------------------------------
-credit_line_90d = Dscf::Credit::CreditLine.find_or_create_by!(
-  bank: bunna_bank,
-  code: "DEV-RET-90D"
-) do |cl|
-  cl.name           = "DEV 90-Day Retail Credit"
-  cl.credit_product = dev_credit_product
-  cl.description    = "[DEV] 90-day medium-term retail supplier credit"
-  cl.created_by     = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: credit_line_90d, context: "default") do |r|
-    r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-  end
-end
-
-Dscf::Credit::CreditLineSpec.find_or_create_by!(credit_line: credit_line_90d) do |s|
-  s.min_amount                  = 25_000.00
-  s.max_amount                  = 500_000.00
-  s.interest_rate               = 0.18          # 18% per annum
-  s.penalty_rate                = 0.025
-  s.facilitation_fee_rate       = 0.015
-  s.tax_rate                    = 0.05
-  s.max_penalty_days            = 30
-  s.loan_duration               = 90
-  s.interest_frequency          = "monthly"
-  s.interest_income_tax         = 0.035
-  s.vat                         = 0.15
-  s.max_interest_calculation_days = 90
-  s.penalty_frequency           = "daily"
-  s.penalty_income_tax          = 0.030
-  s.minimum_score               = 55.0
-  s.credit_line_multiplier      = 1.00
-  s.credit_line_divider         = 1
-  s.active                      = true
-  s.base_scoring_parameter      = param_avg_monthly_purchase
-  s.created_by                  = admin_user
-end
-
-# ---------------------------------------------------------------------------
-# Credit Line C: 180-Day Wholesale Credit (DEV-WHO-180D)
-# ---------------------------------------------------------------------------
-credit_line_180d = Dscf::Credit::CreditLine.find_or_create_by!(
-  bank: bunna_bank,
-  code: "DEV-WHO-180D"
-) do |cl|
-  cl.name           = "DEV 180-Day Wholesale Credit"
-  cl.credit_product = dev_credit_product
-  cl.description    = "[DEV] 180-day long-term wholesale distributor credit"
-  cl.created_by     = admin_user
-end
-
-if defined?(Dscf::Core::Review)
-  Dscf::Core::Review.find_or_create_by!(reviewable: credit_line_180d, context: "default") do |r|
+Dscf::Core::Review.find_or_create_by!(reviewable: dev_credit_product, context: "default") do |r|
+  r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
+end
+puts "✓ Credit product: #{dev_credit_product.name} (scoring_table=#{dev_scoring_table.code})"
+
+# ── 5. Scoring Table Parameters (weights) ─────────────────
+puts "\n── Seeding scoring table parameters ──"
+
+# Weights: 0.35 + 0.25 + 0.20 + 0.20 = 1.00
+stp_config = [
+  { param_key: "avg_monthly_purchase", weight: 0.35, source: info_source_facilitator,
+    min_value: 0.0, max_value: 5_000_000.0, order: 1 },
+  { param_key: "years_in_business",    weight: 0.25, source: info_source_applicant,
+    min_value: 0.0, max_value: 50.0,        order: 2 },
+  { param_key: "business_type",        weight: 0.20, source: info_source_applicant,
+    min_value: nil,  max_value: nil,         order: 3 },
+  { param_key: "payment_track_record", weight: 0.20, source: info_source_branch,
+    min_value: nil,  max_value: nil,         order: 4 }
+]
+
+dev_stps = {}
+stp_config.each do |cfg|
+  param = dev_params[cfg[:param_key]]
+  stp = Dscf::Credit::ScoringTableParameter.find_or_create_by!(
+    scoring_table: dev_scoring_table, scoring_parameter: param
+  ) do |s|
+    s.weight             = cfg[:weight]
+    s.information_source = cfg[:source]
+    s.min_value          = cfg[:min_value]
+    s.max_value          = cfg[:max_value]
+    s.required           = true
+    s.order              = cfg[:order]
+    s.created_by         = admin_user
+  end
+  dev_stps[cfg[:param_key]] = stp
+  puts "  ✓ #{cfg[:param_key]}: weight=#{cfg[:weight]}, source=#{cfg[:source].code}"
+end
+
+# ── 6. Scoring Table Normalizers ──────────────────────────
+puts "\n── Seeding scoring table normalizers ──"
+
+# avg_monthly_purchase — range-based (decimal)
+[
+  { name: "Very Low Volume",  min: 0,           max: 49_999.99,    nv: 0.10 },
+  { name: "Low Volume",       min: 50_000,      max: 149_999.99,   nv: 0.40 },
+  { name: "Medium Volume",    min: 150_000,     max: 349_999.99,   nv: 0.70 },
+  { name: "High Volume",      min: 350_000,     max: 999_999.99,   nv: 0.95 },
+  { name: "Very High Volume", min: 1_000_000,   max: 5_000_000.00, nv: 1.00 }
+].each do |n|
+  Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
+    scoring_table_parameter: dev_stps["avg_monthly_purchase"],
+    min_range_value: n[:min], max_range_value: n[:max]
+  ) { |norm| norm.name = n[:name]; norm.normalized_value = n[:nv] }
+end
+
+# years_in_business — range-based (integer)
+[
+  { name: "New (0-1 years)",          min: 0,  max: 1.99,  nv: 0.10 },
+  { name: "Emerging (2-4 years)",     min: 2,  max: 4.99,  nv: 0.50 },
+  { name: "Established (5-9 years)",  min: 5,  max: 9.99,  nv: 0.80 },
+  { name: "Veteran (10+ years)",      min: 10, max: 50.00, nv: 1.00 }
+].each do |n|
+  Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
+    scoring_table_parameter: dev_stps["years_in_business"],
+    min_range_value: n[:min], max_range_value: n[:max]
+  ) { |norm| norm.name = n[:name]; norm.normalized_value = n[:nv] }
+end
+
+# business_type — text-based
+[
+  { name: "Micro Business",       text: "micro",       nv: 0.30 },
+  { name: "Startup Business",     text: "startup",     nv: 0.30 },
+  { name: "Growing Business",     text: "growing",     nv: 0.60 },
+  { name: "Established Business", text: "established", nv: 0.80 },
+  { name: "Enterprise Business",  text: "enterprise",  nv: 1.00 }
+].each do |n|
+  Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
+    scoring_table_parameter: dev_stps["business_type"],
+    text_value: n[:text]
+  ) { |norm| norm.name = n[:name]; norm.normalized_value = n[:nv] }
+end
+
+# payment_track_record — text-based
+[
+  { name: "Poor Track Record",      text: "poor",      nv: 0.20 },
+  { name: "Fair Track Record",      text: "fair",      nv: 0.50 },
+  { name: "Good Track Record",      text: "good",      nv: 0.75 },
+  { name: "Excellent Track Record", text: "excellent",  nv: 1.00 }
+].each do |n|
+  Dscf::Credit::ScoringTableNormalizer.find_or_create_by!(
+    scoring_table_parameter: dev_stps["payment_track_record"],
+    text_value: n[:text]
+  ) { |norm| norm.name = n[:name]; norm.normalized_value = n[:nv] }
+end
+puts "✓ #{Dscf::Credit::ScoringTableNormalizer.where(scoring_table_parameter: dev_stps.values).count} normalizers seeded"
+
+# ── 7. DEV Credit Lines (30 / 60 / 90 day) ───────────────
+puts "\n── Seeding DEV credit lines ──"
+
+avg_purchase_param = dev_params["avg_monthly_purchase"]
+
+credit_line_defs = [
+  { name: "30-Day Retail Credit",  code: "DEV-RET-30D",  duration: 30,
+    min: 10_000, max: 200_000, interest: 0.0008, penalty: 0.0005,
+    fee: 0.010, tax: 0.05, multiplier: 5.0, min_score: 45.0 },
+  { name: "60-Day Retail Credit",  code: "DEV-RET-60D",  duration: 60,
+    min: 25_000, max: 400_000, interest: 0.0006, penalty: 0.0004,
+    fee: 0.015, tax: 0.05, multiplier: 10.0, min_score: 55.0 },
+  { name: "90-Day Retail Credit",  code: "DEV-RET-90D",  duration: 90,
+    min: 50_000, max: 800_000, interest: 0.0005, penalty: 0.0003,
+    fee: 0.020, tax: 0.05, multiplier: 20.0, min_score: 70.0 }
+]
+
+dev_credit_lines = {}
+credit_line_defs.each do |cl_def|
+  cl = Dscf::Credit::CreditLine.find_or_create_by!(bank: bunna_bank, code: cl_def[:code]) do |line|
+    line.name           = cl_def[:name]
+    line.credit_product = dev_credit_product
+    line.description    = "DEV #{cl_def[:name]} for testing"
+    line.created_by     = admin_user
+  end
+  Dscf::Core::Review.find_or_create_by!(reviewable: cl, context: "default") do |r|
     r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
   end
-end
 
-Dscf::Credit::CreditLineSpec.find_or_create_by!(credit_line: credit_line_180d) do |s|
-  s.min_amount                  = 100_000.00
-  s.max_amount                  = 1_000_000.00
-  s.interest_rate               = 0.14          # 14% per annum
-  s.penalty_rate                = 0.015
-  s.facilitation_fee_rate       = 0.008
-  s.tax_rate                    = 0.05
-  s.max_penalty_days            = 30
-  s.loan_duration               = 180
-  s.interest_frequency          = "monthly"
-  s.interest_income_tax         = 0.030
-  s.vat                         = 0.15
-  s.max_interest_calculation_days = 180
-  s.penalty_frequency           = "weekly"
-  s.penalty_income_tax          = 0.025
-  s.minimum_score               = 70.0
-  s.credit_line_multiplier      = 2.00
-  s.credit_line_divider         = 1
-  s.active                      = true
-  s.base_scoring_parameter      = param_avg_monthly_purchase
-  s.created_by                  = admin_user
+  spec = Dscf::Credit::CreditLineSpec.find_or_create_by!(credit_line: cl) do |s|
+    s.min_amount                   = cl_def[:min]
+    s.max_amount                   = cl_def[:max]
+    s.interest_rate                = cl_def[:interest]
+    s.penalty_rate                 = cl_def[:penalty]
+    s.facilitation_fee_rate        = cl_def[:fee]
+    s.tax_rate                     = cl_def[:tax]
+    s.credit_line_multiplier       = cl_def[:multiplier]
+    s.base_scoring_parameter       = avg_purchase_param
+    s.credit_line_divider          = nil
+    s.max_penalty_days             = 30
+    s.loan_duration                = cl_def[:duration]
+    s.interest_frequency           = "daily"
+    s.interest_income_tax          = 0.03
+    s.vat                          = 0.15
+    s.max_interest_calculation_days = cl_def[:duration] + 30
+    s.penalty_frequency            = "daily"
+    s.penalty_income_tax           = 0.025
+    s.minimum_score                = cl_def[:min_score]
+    s.active                       = true
+    s.created_by                   = admin_user
+  end
+  dev_credit_lines[cl_def[:code]] = { credit_line: cl, spec: spec }
+  puts "  ✓ #{cl.name}: duration=#{cl_def[:duration]}d, min_score=#{cl_def[:min_score]}, multiplier=#{cl_def[:multiplier]}"
+end
+
+# ── 8. DEV Users (loan applicants) ────────────────────────
+puts "\n── Seeding DEV applicant users ──"
+
+dev_users = {}
+[
+  { email: "sara.kebede@test.et",    phone: "+251911001001", first: "Sara",   last: "Kebede" },
+  { email: "mekdes.tadesse@test.et", phone: "+251911002002", first: "Mekdes", last: "Tadesse" },
+  { email: "dawit.alemu@test.et",    phone: "+251911003003", first: "Dawit",  last: "Alemu" }
+].each do |u|
+  user = Dscf::Core::User.find_or_create_by!(email: u[:email]) do |usr|
+    usr.phone         = u[:phone]
+    usr.verified_at   = Time.current
+    usr.temp_password = false
+    usr.password      = "SecurePassword123!"
+  end
+  Dscf::Core::UserProfile.find_or_create_by!(user: user) do |p|
+    p.first_name    = u[:first]
+    p.last_name     = u[:last]
+    p.watchlist_hit = false
+  end
+  user_role = Dscf::Core::Role.find_by!(code: "USER")
+  Dscf::Core::UserRole.find_or_create_by!(user: user, role: user_role) do |ur|
+    ur.assigned_by = admin_user
+  end
+  dev_users[u[:first].downcase] = user
+  puts "  ✓ #{u[:first]} #{u[:last]} (#{u[:email]})"
+end
+
+sara_user   = dev_users["sara"]
+mekdes_user = dev_users["mekdes"]
+dawit_user  = dev_users["dawit"]
+
+# ── 9. Loan Applications ─────────────────────────────────
+puts "\n── Seeding DEV loan applications ──"
+
+sara_app = Dscf::Credit::LoanApplication.find_or_create_by!(
+  bank: bunna_bank, user: sara_user, credit_product: dev_credit_product
+) do |app|
+  app.review_branch        = bunna_head_office
+  app.bank_statement_source = "internal"
+  app.backer               = facilitator1
+end
+Dscf::Core::Review.find_or_create_by!(reviewable: sara_app, context: "default") do |r|
+  r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
+end
+
+mekdes_app = Dscf::Credit::LoanApplication.find_or_create_by!(
+  bank: bunna_bank, user: mekdes_user, credit_product: dev_credit_product
+) do |app|
+  app.review_branch        = bunna_head_office
+  app.bank_statement_source = "internal"
+  app.backer               = facilitator1
+end
+Dscf::Core::Review.find_or_create_by!(reviewable: mekdes_app, context: "default") do |r|
+  r.status = "draft"; r.reviewed_by = admin_user
+end
+
+dawit_app = Dscf::Credit::LoanApplication.find_or_create_by!(
+  bank: bunna_bank, user: dawit_user, credit_product: dev_credit_product
+) do |app|
+  app.review_branch        = bunna_head_office
+  app.bank_statement_source = "internal"
+  app.backer               = facilitator1
+end
+Dscf::Core::Review.find_or_create_by!(reviewable: dawit_app, context: "default") do |r|
+  r.status = "draft"; r.reviewed_by = admin_user
+end
+
+puts "  ✓ Sara's application  (id=#{sara_app.id})"
+puts "  ✓ Mekdes's application (id=#{mekdes_app.id})"
+puts "  ✓ Dawit's application  (id=#{dawit_app.id})"
+
+# ── 10. Loan Application Data ────────────────────────────
+puts "\n── Seeding loan application source data ──"
+
+param_ids = {
+  avg_monthly_purchase: dev_params["avg_monthly_purchase"].id.to_s,
+  years_in_business:    dev_params["years_in_business"].id.to_s,
+  business_type:        dev_params["business_type"].id.to_s,
+  payment_track_record: dev_params["payment_track_record"].id.to_s
+}
+
+# ── Sara (score = 89.25) ──
+# avg_monthly_purchase = 450,000 → High Volume (0.95) × 0.35 = 0.3325
+# years_in_business    = 8       → Established  (0.80) × 0.25 = 0.2000
+# business_type        = established → (0.80) × 0.20 = 0.1600
+# payment_track_record = excellent   → (1.00) × 0.20 = 0.2000
+# Total: (0.3325 + 0.2000 + 0.1600 + 0.2000) / 1.00 × 100 = 89.25 ✓
+# Sara's raw data values:
+# avg_monthly_purchase = 450,000 (facilitator source)
+# years_in_business = 8 (applicant source)
+# business_type = "established" (applicant source)
+# payment_track_record = "excellent" (branch_officer source)
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: sara_app, information_source: info_source_facilitator
+) do |d|
+  d.data = { param_ids[:avg_monthly_purchase] => 450_000 }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: sara_app, information_source: info_source_applicant
+) do |d|
+  d.data = { param_ids[:years_in_business] => 8, param_ids[:business_type] => "established" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: sara_app, information_source: info_source_branch
+) do |d|
+  d.data = { param_ids[:payment_track_record] => "excellent" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+puts "  ✓ Sara: avg_monthly_purchase=450,000 | years_in_business=8 | business_type=established | payment_track_record=excellent"
+
+# ── Mekdes (score = 47.50 when scored) ──
+# avg_monthly_purchase = 120,000 → Low Volume (0.40) × 0.35 = 0.140
+# years_in_business    = 3       → Emerging   (0.50) × 0.25 = 0.125
+# business_type        = startup → (0.30)     × 0.20 = 0.060
+# payment_track_record = good    → (0.75)     × 0.20 = 0.150
+# Total: 0.475 × 100 = 47.50 ✓
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: mekdes_app, information_source: info_source_facilitator
+) do |d|
+  d.data = { param_ids[:avg_monthly_purchase] => 120_000 }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: mekdes_app, information_source: info_source_applicant
+) do |d|
+  d.data = { param_ids[:years_in_business] => 3, param_ids[:business_type] => "startup" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: mekdes_app, information_source: info_source_branch
+) do |d|
+  d.data = { param_ids[:payment_track_record] => "good" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+puts "  ✓ Mekdes: avg_monthly_purchase=120,000 | years_in_business=3 | business_type=startup | payment_track_record=good"
+
+# ── Dawit (score = 16.00 when scored) ──
+# avg_monthly_purchase = 30,000  → Very Low (0.10) × 0.35 = 0.035
+# years_in_business    = 1       → New      (0.10) × 0.25 = 0.025
+# business_type        = micro   → (0.30)   × 0.20 = 0.060
+# payment_track_record = poor    → (0.20)   × 0.20 = 0.040
+# Total: 0.160 × 100 = 16.00 ✓
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: dawit_app, information_source: info_source_facilitator
+) do |d|
+  d.data = { param_ids[:avg_monthly_purchase] => 30_000 }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: dawit_app, information_source: info_source_applicant
+) do |d|
+  d.data = { param_ids[:years_in_business] => 1, param_ids[:business_type] => "micro" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
+  loan_application: dawit_app, information_source: info_source_branch
+) do |d|
+  d.data = { param_ids[:payment_track_record] => "poor" }
+  d.submitted_by  = admin_user
+  d.submitted_at  = Time.current
+end
+puts "  ✓ Dawit: avg_monthly_purchase=30,000 | years_in_business=1 | business_type=micro | payment_track_record=poor"
+
+# ── 11. Sara: Run scoring engine manually ────────────────
+puts "\n── Running credit scoring for Sara (expected: 89.25) ──"
+
+engine = Dscf::Credit::CreditScoringEngine.new(sara_app)
+result = engine.calculate_score
+
+unless result[:success]
+  puts "  ✗ Scoring FAILED: #{result[:errors].join(', ')}"
+  puts "  Aborting dev seeds."
+  exit 1
+end
+
+sara_score  = result[:score]
+sara_status = result[:status]
+puts "  ✓ Score: #{sara_score} | Status: #{sara_status}"
+
+# Update the loan application score
+sara_app.update!(score: sara_score)
+
+unless sara_status == "approved"
+  puts "  ⚠ Expected status 'approved' but got '#{sara_status}'. Check normalizer values."
+end
+
+# ── 12. Sara: Create Loan Profile via service ────────────
+puts "\n── Creating Sara's loan profile ──"
+
+scoring_result_data = {
+  scoring_table_id:  dev_scoring_table.id,
+  scoring_input_data: result[:breakdown].slice("parameters"),
+  breakdown:          result[:breakdown]
+}
+
+unless sara_app.loan_profile.present?
+  profile_service = Dscf::Credit::LoanProfileCreationService.new(sara_app, sara_score, scoring_result_data)
+  profile_result  = profile_service.create_loan_profile
+
+  unless profile_result[:success]
+    puts "  ✗ Loan profile creation FAILED: #{profile_result[:error]}"
+    exit 1
+  end
+  sara_app.reload
+end
+
+sara_profile = sara_app.loan_profile
+puts "  ✓ Loan Profile: #{sara_profile.code} | Score: #{sara_profile.score} | Total Limit: #{sara_profile.total_limit}"
+
+# ── 13. Sara: Verify Eligible Credit Lines ────────────────
+puts "\n── Verifying Sara's eligible credit lines ──"
+
+sara_profile.reload
+sara_ecls = sara_profile.eligible_credit_lines.includes(:credit_line)
+puts "  ✓ #{sara_ecls.count} eligible credit lines:"
+sara_ecls.each do |ecl|
+  puts "    - #{ecl.credit_line.name}: limit=#{ecl.credit_limit}, available=#{ecl.available_limit}, locked=#{ecl.locked}"
 end
 
-puts "✓ 3 DEV Credit Lines + Specs created:"
-puts "  DEV-RET-30D  (id=#{credit_line_30d.id},  min_score=45.0, multiplier=0.50)"
-puts "  DEV-RET-90D  (id=#{credit_line_90d.id},  min_score=55.0, multiplier=1.00)"
-puts "  DEV-WHO-180D (id=#{credit_line_180d.id}, min_score=70.0, multiplier=2.00)"
-
-# =============================================================================
-# 6. DEV USERS + BUSINESSES + FACILITATOR
-# =============================================================================
-puts ""
-puts "--- [6/8] DEV Users, Businesses & Facilitator ---"
+# ── 14. Sara: Disburse a loan from 30-Day Credit Line ────
+puts "\n── Disbursing loan for Sara from 30-Day Credit Line ──"
 
-if defined?(Dscf::Core::User)
+cl_30d = dev_credit_lines["DEV-RET-30D"][:credit_line]
+sara_ecl_30d = sara_ecls.find { |ecl| ecl.credit_line_id == cl_30d.id }
 
-  # DEV applicant users
-  dev_sara = Dscf::Core::User.find_or_create_by!(email: "sara.kebede@dev.et") do |u|
-    u.phone         = "+251911000001"
-    u.verified_at   = Time.current
-    u.temp_password = false
-    u.password      = "DevPassword123!"
-  end
-
-  dev_mekdes = Dscf::Core::User.find_or_create_by!(email: "mekdes.tadesse@dev.et") do |u|
-    u.phone         = "+251911000002"
-    u.verified_at   = Time.current
-    u.temp_password = false
-    u.password      = "DevPassword123!"
-  end
-
-  dev_dawit = Dscf::Core::User.find_or_create_by!(email: "dawit.alemu@dev.et") do |u|
-    u.phone         = "+251911000003"
-    u.verified_at   = Time.current
-    u.temp_password = false
-    u.password      = "DevPassword123!"
-  end
-
-  # DEV facilitator user
-  dev_facilitator_user = Dscf::Core::User.find_or_create_by!(email: "facilitator.dev@bunna.com") do |u|
-    u.phone         = "+251911000004"
-    u.verified_at   = Time.current
-    u.temp_password = false
-    u.password      = "DevPassword123!"
-  end
-
-  puts "✓ DEV users created: sara##{dev_sara.id}, mekdes##{dev_mekdes.id}, dawit##{dev_dawit.id}, facilitator##{dev_facilitator_user.id}"
-
-  # Optional businesses (only if Dscf::Core::Business is available)
-  if defined?(Dscf::Core::Business) && defined?(Dscf::Core::BusinessType)
-    individual_btype = Dscf::Core::BusinessType.find_or_create_by!(name: "individual")
-
-    Dscf::Core::Business.find_or_create_by!(user_id: dev_sara.id, business_type_id: individual_btype.id) do |b|
-      b.name          = "DEV Sara Retail Shop"
-      b.description   = "[DEV] Sara Kebede retail grocery"
-      b.contact_email = dev_sara.email
-      b.contact_phone = dev_sara.phone
-    end
-
-    Dscf::Core::Business.find_or_create_by!(user_id: dev_mekdes.id, business_type_id: individual_btype.id) do |b|
-      b.name          = "DEV Mekdes Startup Trade"
-      b.description   = "[DEV] Mekdes Tadesse startup trader"
-      b.contact_email = dev_mekdes.email
-      b.contact_phone = dev_mekdes.phone
-    end
-
-    Dscf::Core::Business.find_or_create_by!(user_id: dev_dawit.id, business_type_id: individual_btype.id) do |b|
-      b.name          = "DEV Dawit Micro Business"
-      b.description   = "[DEV] Dawit Alemu micro-enterprise"
-      b.contact_email = dev_dawit.email
-      b.contact_phone = dev_dawit.phone
-    end
-
-    puts "✓ DEV businesses created for all 3 applicants"
-  end
-
-  # DEV Facilitator Application
-  dev_facilitator_application = Dscf::Credit::FacilitatorApplication.find_or_create_by!(
-    user: dev_facilitator_user,
-    bank: bunna_bank
-  ) do |fa|
-    fa.facilitator_info = {
-      business_name:               "DEV Field Facilitators Ltd",
-      contact_person:              "Dev Facilitator",
-      phone:                       "+251911000004",
-      email:                       "facilitator.dev@bunna.com",
-      address:                     "123 Dev Street, Addis Ababa",
-      business_type:               "financial_intermediary",
-      license_number:              "DEV-LIC-000001",
-      years_in_business:           3,
-      monthly_turnover:            100_000.00,
-      number_of_employees:         5,
-      business_registration_date:  "2022-01-01",
-      tax_identification_number:   "DEV-TIN-000001",
-      bank_account_details: {
-        bank_name:       "Bunna Bank",
-        account_number:  "DEV0000000001",
-        account_holder:  "DEV Field Facilitators Ltd"
-      }
-    }
-  end
-
-  if defined?(Dscf::Core::Review)
-    Dscf::Core::Review.find_or_create_by!(reviewable: dev_facilitator_application, context: "default") do |r|
-      r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-    end
-  end
-
-  # DEV Facilitator record
-  dev_facilitator = Dscf::Credit::Facilitator.find_or_create_by!(
-    facilitator_application: dev_facilitator_application
-  ) do |f|
-    f.total_limit = 2_000_000.00
-  end
-
-  if defined?(Dscf::Core::Review)
-    Dscf::Core::Review.find_or_create_by!(reviewable: dev_facilitator, context: "default") do |r|
-      r.status = "approved"; r.reviewed_by = admin_user; r.reviewed_at = Time.current
-    end
-  end
-
-  puts "✓ DEV Facilitator Application (id=#{dev_facilitator_application.id}) + Facilitator (id=#{dev_facilitator.id})"
-
-else
-  puts "SKIP: Dscf::Core::User not available — cannot create dev users / facilitator."
-  puts "      Scenarios A/B/C require users to be created manually."
-end
-
-# =============================================================================
-# 7. LOAN APPLICATIONS + DATA
-#    All 3 scenarios share: bank=Bunna Bank, review_branch=head_office,
-#    backer=dev_facilitator, category=dev_category, bank_statement_source=internal
-# =============================================================================
-puts ""
-puts "--- [7/8] DEV Loan Applications + Application Data ---"
-
-if !defined?(Dscf::Core::User)
-  puts "SKIP: Cannot create loan applications without Dscf::Core::User."
+if sara_ecl_30d.nil?
+  puts "  ✗ No eligible credit line found for 30-Day. Skipping disbursement."
 else
-  # We resolve the previously created users (safe to re-find):
-  dev_sara    = Dscf::Core::User.find_by!(email: "sara.kebede@dev.et")
-  dev_mekdes  = Dscf::Core::User.find_by!(email: "mekdes.tadesse@dev.et")
-  dev_dawit   = Dscf::Core::User.find_by!(email: "dawit.alemu@dev.et")
-
-  # ---------------------------------------------------------------------------
-  # SCENARIO A — Sara Kebede (HIGH SCORER → approved, score = 89.25)
-  # ---------------------------------------------------------------------------
-  loan_app_sara = Dscf::Credit::LoanApplication.find_or_create_by!(
-    bank:  bunna_bank,
-    user:  dev_sara,
-    review_branch: dev_branch,
-    bank_statement_source: "internal"
-  ) do |app|
-    app.backer          = dev_facilitator
-    app.credit_product  = dev_credit_product
-  end
-
-  # Score is set directly (mirrors what scoring service would write)
-  loan_app_sara.update!(score: 89.25) if loan_app_sara.score != 89.25
-
-  # LoanApplication data — 3 sources, each with the params their source provides
-  # Facilitator submits: avg_monthly_purchase = 380,000
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_sara,
-    information_source: info_source_facilitator
-  ) do |d|
-    d.data         = { param_avg_monthly_purchase.id.to_s => 380_000 }
-    d.submitted_by = dev_facilitator_user
-    d.submitted_at = Time.current - 2.days
-  end
-
-  # Applicant submits: years_in_business = 8, business_type = "retail"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_sara,
-    information_source: info_source_applicant
-  ) do |d|
-    d.data = {
-      param_years_in_business.id.to_s => 8,
-      param_business_type.id.to_s     => "retail"
-    }
-    d.submitted_by = dev_sara
-    d.submitted_at = Time.current - 2.days
-  end
-
-  # Branch officer submits: payment_track_record = "excellent"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_sara,
-    information_source: info_source_branch_officer
-  ) do |d|
-    d.data         = { param_payment_track_record.id.to_s => "excellent" }
-    d.submitted_by = bank_admin
-    d.submitted_at = Time.current - 1.day
-  end
-
-  puts "  ✓ Scenario A — Sara (loan_app##{loan_app_sara.id}, score=#{loan_app_sara.score})"
-
-  # ---------------------------------------------------------------------------
-  # SCENARIO B — Mekdes Tadesse (BORDERLINE → pending, score = 47.50)
-  # ---------------------------------------------------------------------------
-  loan_app_mekdes = Dscf::Credit::LoanApplication.find_or_create_by!(
-    bank:  bunna_bank,
-    user:  dev_mekdes,
-    review_branch: dev_branch,
-    bank_statement_source: "internal"
-  ) do |app|
-    app.backer         = dev_facilitator
-    app.credit_product = dev_credit_product
-  end
-
-  loan_app_mekdes.update!(score: 47.50) if loan_app_mekdes.score != 47.50
-
-  # Facilitator: avg_monthly_purchase = 120,000
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_mekdes,
-    information_source: info_source_facilitator
-  ) do |d|
-    d.data         = { param_avg_monthly_purchase.id.to_s => 120_000 }
-    d.submitted_by = dev_facilitator_user
-    d.submitted_at = Time.current - 3.days
-  end
-
-  # Applicant: years_in_business = 3, business_type = "startup"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_mekdes,
-    information_source: info_source_applicant
-  ) do |d|
-    d.data = {
-      param_years_in_business.id.to_s => 3,
-      param_business_type.id.to_s     => "startup"
-    }
-    d.submitted_by = dev_mekdes
-    d.submitted_at = Time.current - 3.days
-  end
-
-  # Branch officer: payment_track_record = "good"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_mekdes,
-    information_source: info_source_branch_officer
-  ) do |d|
-    d.data         = { param_payment_track_record.id.to_s => "good" }
-    d.submitted_by = bank_admin
-    d.submitted_at = Time.current - 2.days
-  end
-
-  puts "  ✓ Scenario B — Mekdes (loan_app##{loan_app_mekdes.id}, score=#{loan_app_mekdes.score})"
-
-  # ---------------------------------------------------------------------------
-  # SCENARIO C — Dawit Alemu (REJECTED → below pending_threshold, score = 16.00)
-  # ---------------------------------------------------------------------------
-  loan_app_dawit = Dscf::Credit::LoanApplication.find_or_create_by!(
-    bank:  bunna_bank,
-    user:  dev_dawit,
-    review_branch: dev_branch,
-    bank_statement_source: "internal"
-  ) do |app|
-    app.backer         = dev_facilitator
-    app.credit_product = dev_credit_product
-    # Score deliberately left nil — scoring not yet triggered (draft state)
-  end
-
-  # Facilitator: avg_monthly_purchase = 30,000
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_dawit,
-    information_source: info_source_facilitator
-  ) do |d|
-    d.data         = { param_avg_monthly_purchase.id.to_s => 30_000 }
-    d.submitted_by = dev_facilitator_user
-    d.submitted_at = Time.current - 1.day
-  end
-
-  # Applicant: years_in_business = 1, business_type = "startup"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_dawit,
-    information_source: info_source_applicant
-  ) do |d|
-    d.data = {
-      param_years_in_business.id.to_s => 1,
-      param_business_type.id.to_s     => "startup"
-    }
-    d.submitted_by = dev_dawit
-    d.submitted_at = Time.current - 1.day
-  end
-
-  # Branch officer: payment_track_record = "poor"
-  Dscf::Credit::LoanApplicationDatum.find_or_create_by!(
-    loan_application: loan_app_dawit,
-    information_source: info_source_branch_officer
-  ) do |d|
-    d.data         = { param_payment_track_record.id.to_s => "poor" }
-    d.submitted_by = bank_admin
-    d.submitted_at = Time.current
-  end
-
-  puts "  ✓ Scenario C — Dawit (loan_app##{loan_app_dawit.id}, score=#{loan_app_dawit.score || 'nil (draft)'})"
-
-  # ---------------------------------------------------------------------------
-  # REVIEW STATUS for each loan application
-  # ---------------------------------------------------------------------------
-  if defined?(Dscf::Core::Review)
-    # Sara — approved (score ≥ passing_score)
-    Dscf::Core::Review.find_or_create_by!(reviewable: loan_app_sara, context: "default") do |r|
-      r.status      = "approved"
-      r.reviewed_by = bank_admin
-      r.reviewed_at = Time.current - 1.day
-    end
-
-    # Mekdes — pending (pending_threshold ≤ score < passing_score)
-    Dscf::Core::Review.find_or_create_by!(reviewable: loan_app_mekdes, context: "default") do |r|
-      r.status      = "pending"
-      r.reviewed_by = bank_admin
-      r.reviewed_at = Time.current - 1.day
-    end
-
-    # Dawit — draft (data submitted, not yet scored/reviewed)
-    Dscf::Core::Review.find_or_create_by!(reviewable: loan_app_dawit, context: "default") do |r|
-      r.status      = "draft"
-      r.reviewed_by = admin_user
-      r.reviewed_at = nil
+  existing_loan = sara_profile.loans.find_by(credit_line: cl_30d)
+  if existing_loan
+    puts "  ✓ Loan already exists (id=#{existing_loan.id}, status=#{existing_loan.status})"
+    sara_loan = existing_loan
+  else
+    disbursement = Dscf::Credit::DisbursementService.new(
+      amount:               150_000,
+      loan_profile:         sara_profile,
+      eligible_credit_line: sara_ecl_30d
+    )
+    disb_result = disbursement.process_disbursement
+
+    unless disb_result[:success]
+      puts "  ✗ Disbursement FAILED: #{disb_result[:error]}"
+      puts "  Skipping loan creation."
+    else
+      sara_loan = disb_result[:loan]
+      # Set loan to "active" (DisbursementService creates as "disbursed")
+      sara_loan.update!(status: "active")
+      puts "  ✓ Loan created: id=#{sara_loan.id}, principal=#{sara_loan.principal_amount}, status=#{sara_loan.status}"
     end
-
-    puts "  ✓ Reviews set: Sara=approved, Mekdes=pending, Dawit=draft"
   end
-end # if defined?(Dscf::Core::User)
+end
 
-# =============================================================================
-# 8. SCENARIO A FULL PIPELINE
-#    LoanProfile BB010001 → ScoringResult → EligibleCreditLines → Loan → Accruals
-# =============================================================================
-puts ""
-puts "--- [8/8] Scenario A Full Pipeline (Sara — APPROVED) ---"
+# ── 15. Sara: Generate accruals for her loan ──────────────
+if defined?(sara_loan) && sara_loan.present?
+  puts "\n── Generating accruals for Sara's loan ──"
 
-if !defined?(Dscf::Core::User)
-  puts "SKIP: Cannot build Scenario A pipeline without Dscf::Core::User."
-else
-  loan_app_sara ||= Dscf::Credit::LoanApplication.find_by!(
-    bank: bunna_bank,
-    user: Dscf::Core::User.find_by!(email: "sara.kebede@dev.et"),
-    review_branch: dev_branch,
-    bank_statement_source: "internal"
-  )
+  cl_spec = cl_30d.credit_line_specs.active.first
 
-  # ---------------------------------------------------------------------------
-  # 8.1  LoanProfile BB010001
-  #       score = 89.25 (final_score from scoring calc)
-  #       total_limit = 169,575 + 339,150 + 678,300 = 1,187,025
-  # ---------------------------------------------------------------------------
-  # MATH: total_limit = sum of per-credit-line facility limits (see header)
-  loan_profile_sara = Dscf::Credit::LoanProfile.find_or_create_by!(code: "BB010001") do |lp|
-    lp.loan_application = loan_app_sara
-    lp.score            = 89.25
-    lp.total_limit      = 1_187_025.00
-  end
+  # DisbursementService already creates the facilitation_fee accrual.
+  # Generate daily interest accrual using the generator service
+  accrual_service = Dscf::Credit::LoanAccrualGeneratorService.new(loan_ids: [ sara_loan.id ])
+  accrual_result  = accrual_service.generate_daily_accruals
 
-  if defined?(Dscf::Core::Review)
-    Dscf::Core::Review.find_or_create_by!(reviewable: loan_profile_sara, context: "default") do |r|
-      r.status      = "approved"
-      r.reviewed_by = bank_admin
-      r.reviewed_at = Time.current - 1.day
+  # Create a tax accrual on the facilitation fee (VAT)
+  fac_fee_accrual = sara_loan.loan_accruals.find_by(accrual_type: "facilitation_fee")
+  if fac_fee_accrual
+    tax_amount = (fac_fee_accrual.amount * cl_spec.vat).round(2)
+    Dscf::Credit::LoanAccrual.find_or_create_by!(
+      loan: sara_loan, accrual_type: "tax", applied_on: Date.current
+    ) do |a|
+      a.amount = tax_amount
+      a.status = "pending"
     end
+    puts "  ✓ Tax accrual: #{tax_amount} ETB (#{cl_spec.vat * 100}% VAT on facilitation fee)"
   end
 
-  puts "  ✓ LoanProfile BB010001 (id=#{loan_profile_sara.id}, score=89.25, total_limit=1,187,025)"
-
-  # ---------------------------------------------------------------------------
-  # 8.2  ScoringResult — breakdown with exact engine output format
-  # ---------------------------------------------------------------------------
-  # MATH (full calculation):
-  #   avg_monthly_purchase : 380,000 → High Volume → normalized 0.95 × weight 0.35 = 0.3325
-  #   years_in_business    : 8       → Established → normalized 0.80 × weight 0.25 = 0.2000
-  #   business_type        : "retail"             → normalized 0.80 × weight 0.20 = 0.1600
-  #   payment_track_record : "excellent"          → normalized 1.00 × weight 0.20 = 0.2000
-  #   ──────────────────────────────────────────────────────────────────────────
-  #   total_weighted_sum = 0.3325 + 0.2000 + 0.1600 + 0.2000 = 0.8925
-  #   total_weight       = 0.35 + 0.25 + 0.20 + 0.20          = 1.00
-  #   final_score        = (0.8925 / 1.00) × 100               = 89.25
-  #   passing_score      = 65.0  →  89.25 ≥ 65.0  →  status = "approved"
-  sara_scoring_result = Dscf::Credit::ScoringResult.find_or_create_by!(
-    loan_profile:  loan_profile_sara,
-    scoring_table: dev_scoring_table
-  ) do |sr|
-    sr.score       = 89.25
-    sr.total_limit = 1_187_025.00
-    sr.active      = true
-    sr.created_by  = admin_user
-
-    sr.scoring_input_data = {
-      "facilitator"    => { param_avg_monthly_purchase.id.to_s  => 380_000 },
-      "applicant"      => {
-        param_years_in_business.id.to_s => 8,
-        param_business_type.id.to_s     => "retail"
-      },
-      "branch_officer" => { param_payment_track_record.id.to_s => "excellent" }
-    }
-
-    sr.breakdown = {
-      "parameters" => [
-        {
-          "parameter_id"          => param_avg_monthly_purchase.id,
-          "code"                  => "dev_avg_monthly_purchase",
-          "name"                  => "DEV Avg Monthly Purchase",
-          "data_type"             => "decimal",
-          "information_source"    => "Facilitator",
-          "raw_value"             => 380_000,
-          "normalized_value"      => 0.95,
-          "weight"                => 0.35,
-          # MATH: 0.95 × 0.35 = 0.3325
-          "weighted_contribution" => 0.3325
-        },
-        {
-          "parameter_id"          => param_years_in_business.id,
-          "code"                  => "dev_years_in_business",
-          "name"                  => "DEV Years in Business",
-          "data_type"             => "integer",
-          "information_source"    => "Applicant",
-          "raw_value"             => 8,
-          "normalized_value"      => 0.80,
-          "weight"                => 0.25,
-          # MATH: 0.80 × 0.25 = 0.2000
-          "weighted_contribution" => 0.2000
-        },
-        {
-          "parameter_id"          => param_business_type.id,
-          "code"                  => "dev_business_type",
-          "name"                  => "DEV Business Type",
-          "data_type"             => "string",
-          "information_source"    => "Applicant",
-          "raw_value"             => "retail",
-          "normalized_value"      => 0.80,
-          "weight"                => 0.20,
-          # MATH: 0.80 × 0.20 = 0.1600
-          "weighted_contribution" => 0.1600
-        },
-        {
-          "parameter_id"          => param_payment_track_record.id,
-          "code"                  => "dev_payment_track_record",
-          "name"                  => "DEV Payment Track Record",
-          "data_type"             => "string",
-          "information_source"    => "Branch Officer",
-          "raw_value"             => "excellent",
-          "normalized_value"      => 1.00,
-          "weight"                => 0.20,
-          # MATH: 1.00 × 0.20 = 0.2000
-          "weighted_contribution" => 0.2000
-        }
-      ],
-      # MATH: 0.3325 + 0.2000 + 0.1600 + 0.2000 = 0.8925
-      "total_weighted_sum"   => 0.8925,
-      "total_weight"         => 1.0,
-      "parameters_processed" => 4,
-      "parameters_skipped"   => 0,
-      "scoring_table_code"   => "dev_retailer_v1",
-      "passing_score"        => 65.0,
-      "pending_threshold"    => 45.0,
-      # MATH: (0.8925 / 1.0) × 100 = 89.25
-      "final_score"          => 89.25,
-      "status"               => "approved"
-    }
+  sara_loan.reload
+  puts "  ✓ Total accruals: #{sara_loan.loan_accruals.count}"
+  sara_loan.loan_accruals.group(:accrual_type).sum(:amount).each do |type, total|
+    puts "    - #{type}: #{total} ETB"
   end
+end
 
-  puts "  ✓ ScoringResult (id=#{sara_scoring_result.id}, score=89.25, status=approved)"
-
-  # ---------------------------------------------------------------------------
-  # 8.3  Eligible Credit Lines (3 credit lines — all pass Sara's 89.25 score)
-  # ---------------------------------------------------------------------------
-  # MATH for facility limits (base_metric = avg_monthly_purchase ÷ credit_line_divider):
-  #   base_metric = 380,000 ÷ 1 = 380,000
-  #   Credit Line A: 380,000 × 0.50 × (89.25/100) = 169,575  → within [10k, 200k] ✓
-  #   Credit Line B: 380,000 × 1.00 × (89.25/100) = 339,150  → within [25k, 500k] ✓
-  #   Credit Line C: 380,000 × 2.00 × (89.25/100) = 678,300  → within [100k, 1M] ✓
-
-  # Credit Line A (min_score 45.0 ≤ 89.25 ✅)
-  ecl_a = Dscf::Credit::EligibleCreditLine.find_or_create_by!(
-    loan_profile: loan_profile_sara,
-    credit_line:  credit_line_30d
-  ) do |ecl|
-    # MATH: 380,000 × 0.50 × 0.8925 = 169,575.00
-    ecl.credit_limit    = 169_575.00
-    ecl.available_limit = 169_575.00
-    ecl.risk            = 0.11  # low risk — high score applicant
-    ecl.locked          = false
-  end
-
-  # Credit Line B (min_score 55.0 ≤ 89.25 ✅)
-  ecl_b = Dscf::Credit::EligibleCreditLine.find_or_create_by!(
-    loan_profile: loan_profile_sara,
-    credit_line:  credit_line_90d
-  ) do |ecl|
-    # MATH: 380,000 × 1.00 × 0.8925 = 339,150.00
-    ecl.credit_limit    = 339_150.00
-    ecl.available_limit = 339_150.00
-    ecl.risk            = 0.11
-    ecl.locked          = false
-  end
-
-  # Credit Line C (min_score 70.0 ≤ 89.25 ✅)
-  ecl_c = Dscf::Credit::EligibleCreditLine.find_or_create_by!(
-    loan_profile: loan_profile_sara,
-    credit_line:  credit_line_180d
-  ) do |ecl|
-    # MATH: 380,000 × 2.00 × 0.8925 = 678,300.00
-    ecl.credit_limit    = 678_300.00
-    ecl.available_limit = 678_300.00
-    ecl.risk            = 0.11
-    ecl.locked          = false
-  end
-
-  puts "  ✓ 3 EligibleCreditLines:"
-  puts "    Credit Line A (30D):  limit=169,575  (id=#{ecl_a.id})"
-  puts "    Credit Line B (90D):  limit=339,150  (id=#{ecl_b.id})"
-  puts "    Credit Line C (180D): limit=678,300  (id=#{ecl_c.id})"
-  # MATH: 169,575 + 339,150 + 678,300 = 1,187,025
-  puts "    Total limit = 1,187,025 ✓"
-
-  # ---------------------------------------------------------------------------
-  # 8.4  Active Loan — Credit Line A, 150,000 ETB, disbursed 30 days ago
-  # ---------------------------------------------------------------------------
-  dev_loan_sara = Dscf::Credit::Loan.find_or_create_by!(
-    loan_profile: loan_profile_sara,
-    credit_line:  credit_line_30d
-  ) do |loan|
-    loan.principal_amount = 150_000.00
-    loan.remaining_amount = 150_000.00
-    loan.status           = "active"
-    loan.active           = true
-    loan.disbursed_at     = Time.current - 30.days
-    loan.due_date         = Date.current + 5
-  end
-
-  puts "  ✓ Active Loan (id=#{dev_loan_sara.id}, principal=150,000 ETB, due=#{dev_loan_sara.due_date})"
-
-  # Reduce available_limit on Credit Line A by the disbursed amount
-  ecl_a.update!(available_limit: [ ecl_a.credit_limit - dev_loan_sara.principal_amount, 0 ].max) \
-    if ecl_a.available_limit == ecl_a.credit_limit
-
-  # ---------------------------------------------------------------------------
-  # 8.5  Loan Accruals (3 accruals — interest, facilitation_fee, VAT on fee)
-  # ---------------------------------------------------------------------------
-
-  # Accrual 1: Interest (day 1-30)
-  # MATH: 150,000 × 0.15 (annual rate) / 365 × 30 = 1,849.32
-  Dscf::Credit::LoanAccrual.find_or_create_by!(
-    loan:        dev_loan_sara,
-    accrual_type: "interest"
-  ) do |a|
-    # 150,000 × 0.15 / 365 × 30 = 1,849.315... ≈ 1,849.32
-    a.amount     = 1_849.32
-    a.applied_on = Date.current - 29
-    a.status     = "pending"
-  end
-
-  # Accrual 2: Facilitation fee (one-off at disbursement)
-  # MATH: 150,000 × 0.01 = 1,500.00
-  Dscf::Credit::LoanAccrual.find_or_create_by!(
-    loan:         dev_loan_sara,
-    accrual_type: "facilitation_fee"
-  ) do |a|
-    a.amount     = 1_500.00
-    a.applied_on = Date.current - 30
-    a.status     = "pending"
-  end
-
-  # Accrual 3: VAT on facilitation fee
-  # MATH: 1,500 × 0.15 = 225.00
-  Dscf::Credit::LoanAccrual.find_or_create_by!(
-    loan:         dev_loan_sara,
-    accrual_type: "tax"
-  ) do |a|
-    a.amount     = 225.00
-    a.applied_on = Date.current - 30
-    a.status     = "pending"
-  end
-
-  puts "  ✓ 3 LoanAccruals:"
-  puts "    interest       = 1,849.32  (150,000 × 15% / 365 × 30)"
-  puts "    facilitation   = 1,500.00  (150,000 × 1%)"
-  puts "    VAT on fee     =   225.00  (1,500 × 15%)"
-  puts "    total pending  = #{dev_loan_sara.loan_accruals.pending.sum(:amount)}"
-
-end # if defined?(Dscf::Core::User)
-
-# =============================================================================
-# FINAL SUMMARY
-# =============================================================================
+# ══════════════════════════════════════════════════════════
+# Summary
+# ══════════════════════════════════════════════════════════
+puts "\n" + "=" * 60
+puts "DEV Seeds — Summary"
+puts "=" * 60
+puts "  Category:           #{dev_category.name} (id=#{dev_category.id})"
+puts "  Scoring Table:      #{dev_scoring_table.code} (id=#{dev_scoring_table.id})"
+puts "  Scoring Parameters: #{dev_params.values.map { |p| "#{p.code}(#{p.id})" }.join(', ')}"
+puts "  Credit Product:     #{dev_credit_product.name}"
+puts "  Credit Lines:       #{dev_credit_lines.keys.join(', ')}"
 puts ""
-puts "=" * 70
-puts "  DEV SEEDS COMPLETE"
-puts "=" * 70
-puts ""
-puts "  Scoring Table:  DEV Retailer Scoring (dev_retailer_v1)"
-puts "  Category:       DEV Retail (scoring parameter organizer only)"
-puts "  Credit Product: DEV Retail Credit Product (links scoring table to credit lines)"
-puts "  Parameters:     #{Dscf::Credit::ScoringParameter.where("code LIKE 'dev_%'").count} dev parameters"
-puts "  Credit Lines:   DEV-RET-30D, DEV-RET-90D, DEV-WHO-180D"
-puts ""
-puts "  SCENARIO A — Sara Kebede (sara.kebede@dev.et)"
-puts "    score=89.25 → APPROVED"
-puts "    LoanProfile BB010001, total_limit=1,187,025 ETB"
-puts "    Active loan 150,000 ETB (Credit Line A, due in 5 days)"
-puts ""
-puts "  SCENARIO B — Mekdes Tadesse (mekdes.tadesse@dev.et)"
-puts "    score=47.50 → PENDING (awaiting manual approval)"
-puts "    No LoanProfile — use: PATCH /loan_applications/:id/approve"
+puts "  Sara Kebede:"
+puts "    Application:  id=#{sara_app.id}"
+puts "    Score:        #{sara_score}"
+if defined?(sara_profile) && sara_profile
+  puts "    Loan Profile: #{sara_profile.code} (id=#{sara_profile.id})"
+  puts "    Total Limit:  #{sara_profile.total_limit} ETB"
+  puts "    ECLs:         #{sara_ecls.count}"
+end
+if defined?(sara_loan) && sara_loan
+  puts "    Active Loan:  id=#{sara_loan.id}, principal=#{sara_loan.principal_amount}, status=#{sara_loan.status}"
+end
 puts ""
-puts "  SCENARIO C — Dawit Alemu (dawit.alemu@dev.et)"
-puts "    score=nil (draft) — predicted 16.00 → REJECTED"
-puts "    Trigger scoring to see auto-rejection"
+puts "  Mekdes Tadesse:"
+puts "    Application:  id=#{mekdes_app.id}"
+puts "    Expected Score: 47.50 (run via API: POST /loan_applications/#{mekdes_app.id}/calculate_credit_score)"
 puts ""
-
-if defined?(Dscf::Core::User)
-  puts "  User counts (core):  #{Dscf::Core::User.count} total"
-end
-puts "  Banks:               #{Dscf::Credit::Bank.count}"
-puts "  Credit Lines:        #{Dscf::Credit::CreditLine.count}"
-puts "  Scoring Tables:      #{Dscf::Credit::ScoringTable.count}"
-puts "  Credit Products:     #{Dscf::Credit::CreditProduct.count}"
-puts "  Scoring Parameters:  #{Dscf::Credit::ScoringParameter.count}"
-puts "  Info Sources:        #{Dscf::Credit::InformationSource.count}"
-puts "  Loan Applications:   #{Dscf::Credit::LoanApplication.count}"
-puts "  Loan Profiles:       #{Dscf::Credit::LoanProfile.count}"
-puts "  Scoring Results:     #{Dscf::Credit::ScoringResult.count}"
-puts "  Eligible CL:         #{Dscf::Credit::EligibleCreditLine.count}"
-puts "  Loans:               #{Dscf::Credit::Loan.count}"
-puts "  Loan Accruals:       #{Dscf::Credit::LoanAccrual.count}"
-puts "  Facilitators:        #{Dscf::Credit::Facilitator.count}"
+puts "  Dawit Alemu:"
+puts "    Application:  id=#{dawit_app.id}"
+puts "    Expected Score: 16.00 (run via API: POST /loan_applications/#{dawit_app.id}/calculate_credit_score)"
 puts ""
+puts "=" * 60
+puts "DEV Seeds completed successfully!"
+puts "=" * 60