@etherisc/gif-next 0.0.2-ecbd488-936 → 0.0.2-edc084c-558

package/contracts/instance/service/DistributionService.sol

@@ -2,40 +2,48 @@
 pragma solidity ^0.8.19;
 
 import {IRegistry} from "../../registry/IRegistry.sol";
-import {IRegistryService} from "../../registry/IRegistryService.sol";
 import {IInstance} from "../../instance/IInstance.sol";
+import {InstanceAccessManager} from "../InstanceAccessManager.sol";
 import {InstanceReader} from "../../instance/InstanceReader.sol";
 import {ISetup} from "../../instance/module/ISetup.sol";
-import {ITreasury} from "../../instance/module/ITreasury.sol";
+import {IPolicy} from "../module/IPolicy.sol";
 
-import {NftId, NftIdLib} from "../../types/NftId.sol";
-import {Fee} from "../../types/Fee.sol";
-import {DISTRIBUTION_OWNER_ROLE} from "../../types/RoleId.sol";
+import {NftId, NftIdLib, zeroNftId} from "../../types/NftId.sol";
+import {Fee, FeeLib} from "../../types/Fee.sol";
+import {PRODUCT_SERVICE_ROLE, DISTRIBUTION_OWNER_ROLE} from "../../types/RoleId.sol";
 import {KEEP_STATE} from "../../types/StateId.sol";
-import {DISTRIBUTION} from "../../types/ObjectType.sol";
+import {ObjectType, DISTRIBUTION, INSTANCE, DISTRIBUTION, DISTRIBUTOR} from "../../types/ObjectType.sol";
 import {Version, VersionLib} from "../../types/Version.sol";
+import {RoleId} from "../../types/RoleId.sol";
 
 import {IVersionable} from "../../shared/IVersionable.sol";
 import {Versionable} from "../../shared/Versionable.sol";
 
 import {IService} from "../../shared/IService.sol";
 import {Service} from "../../shared/Service.sol";
-import {ComponentServiceBase} from "../base/ComponentServiceBase.sol";
-import {IDistributionService} from "./IDistributionService.sol";
-import {Distribution} from "../../components/Distribution.sol";
+import {ComponentService} from "../base/ComponentService.sol";
 import {InstanceService} from "../InstanceService.sol";
-import {Instance} from "../Instance.sol";
-import {INftOwnable} from "../../shared/INftOwnable.sol";
+import {IComponent} from "../../components/IComponent.sol";
+import {IDistributionComponent} from "../../components/IDistributionComponent.sol";
+import {IDistributionService} from "./IDistributionService.sol";
+
+import {UFixed, UFixedLib} from "../../types/UFixed.sol";
+import {DistributorType, DistributorTypeLib} from "../../types/DistributorType.sol";
+import {ReferralId, ReferralStatus, ReferralLib} from "../../types/Referral.sol";
+import {Timestamp, TimestampLib, zeroTimestamp} from "../../types/Timestamp.sol";
+import {Key32} from "../../types/Key32.sol";
+import {IDistribution} from "../module/IDistribution.sol";
 
-string constant DISTRIBUTION_SERVICE_NAME = "DistributionService";
 
 contract DistributionService is
-    ComponentServiceBase,
+    ComponentService,
     IDistributionService
 {
     using NftIdLib for NftId;
-
-    string public constant NAME = "DistributionService";
+    using TimestampLib for Timestamp;
+    using UFixedLib for UFixed;
+    using FeeLib for Fee;
+    using ReferralLib for ReferralId;
 
     address internal _registryAddress;
     
@@ -47,42 +55,381 @@ contract DistributionService is
         initializer
         virtual override
     {
-        address initialOwner = address(0);
-        (_registryAddress, initialOwner) = abi.decode(data, (address, address));
+        address initialOwner;
+        address registryAddress;
+        (registryAddress, initialOwner) = abi.decode(data, (address, address));
         // TODO while DistributionService is not deployed in DistributionServiceManager constructor
         //      owner is DistributionServiceManager deployer
-        _initializeService(_registryAddress, owner);
+        initializeService(registryAddress, address(0), owner);
+        registerInterface(type(IDistributionService).interfaceId);
+    }
 
-        _registerInterface(type(IService).interfaceId);
-        _registerInterface(type(IDistributionService).interfaceId);
+    function getDomain() public pure override returns(ObjectType) {
+        return DISTRIBUTION();
     }
 
+    function register(address distributionAddress) 
+        external
+        returns(NftId distributionNftId)
+    {
+        (
+            IComponent component,
+            address owner,
+            IInstance instance,
+            NftId instanceNftId
+        ) = _checkComponentForRegistration(
+            distributionAddress,
+            DISTRIBUTION(),
+            DISTRIBUTION_OWNER_ROLE());
 
-    function getName() public pure override(IService, Service) returns(string memory name) {
-        return NAME;
-    }
+        IRegistry.ObjectInfo memory distributionInfo = getRegistryService().registerDistribution(component, owner);
+        IDistributionComponent distribution = IDistributionComponent(distributionAddress);
+        distribution.linkToRegisteredNftId();
+        distributionNftId = distributionInfo.nftId;
 
-    function _finalizeComponentRegistration(NftId componentNftId, bytes memory initialObjData, IInstance instance) internal override {
-        ISetup.DistributionSetupInfo memory initialSetup = abi.decode(
-            initialObjData,
-            (ISetup.DistributionSetupInfo)
-        );
-        instance.createDistributionSetup(componentNftId, initialSetup);
+        instance.createDistributionSetup(distributionNftId, distribution.getSetupInfo());
+        // TODO move to distribution?
+        bytes4[][] memory selectors = new bytes4[][](2);
+        selectors[0] = new bytes4[](1);
+        selectors[1] = new bytes4[](2);
+
+        selectors[0][0] = IDistributionComponent.setFees.selector;
+        selectors[1][0] = IDistributionComponent.processRenewal.selector;
+
+        RoleId[] memory roles = new RoleId[](2);
+        roles[0] = DISTRIBUTION_OWNER_ROLE();
+        roles[1] = PRODUCT_SERVICE_ROLE();
+
+        getInstanceService().createGifTarget(
+            instanceNftId, 
+            distributionAddress, 
+            distribution.getName(), 
+            selectors, 
+            roles);
     }
 
     function setFees(
+        Fee memory minDistributionOwnerFee,
         Fee memory distributionFee
     )
         external
         override
     {
-        (IRegistry.ObjectInfo memory info , IInstance instance) = _getAndVerifyComponentInfoAndInstance(DISTRIBUTION());
+        if (minDistributionOwnerFee.fractionalFee > distributionFee.fractionalFee) {
+            revert ErrorIDistributionServiceMinFeeTooHigh(minDistributionOwnerFee.fractionalFee.toInt(), distributionFee.fractionalFee.toInt());
+        }
+
+        (NftId distributionNftId, IRegistry.ObjectInfo memory info , IInstance instance) = _getAndVerifyComponentInfoAndInstance(DISTRIBUTION());
         InstanceReader instanceReader = instance.getInstanceReader();
-        NftId distributionNftId = info.nftId;
 
         ISetup.DistributionSetupInfo memory distSetupInfo = instanceReader.getDistributionSetupInfo(distributionNftId);
+        distSetupInfo.minDistributionOwnerFee = minDistributionOwnerFee;
         distSetupInfo.distributionFee = distributionFee;
         
         instance.updateDistributionSetup(distributionNftId, distSetupInfo, KEEP_STATE());
     }
+
+    function createDistributorType(
+        string memory name,
+        UFixed minDiscountPercentage,
+        UFixed maxDiscountPercentage,
+        UFixed commissionPercentage,
+        uint32 maxReferralCount,
+        uint32 maxReferralLifetime,
+        bool allowSelfReferrals,
+        bool allowRenewals,
+        bytes memory data
+    )
+        external
+        returns (DistributorType distributorType)
+    {
+        (NftId distributionNftId, IInstance instance) = _getAndVerifyCallingDistribution();
+
+        {
+            ISetup.DistributionSetupInfo memory setupInfo = instance.getInstanceReader().getDistributionSetupInfo(distributionNftId);
+            UFixed variableFeesPartsTotal = setupInfo.minDistributionOwnerFee.fractionalFee.add(commissionPercentage);
+            UFixed maxDiscountPercentageLimit = setupInfo.distributionFee.fractionalFee.sub(variableFeesPartsTotal);
+            if (maxDiscountPercentage.gt(maxDiscountPercentageLimit)) {
+                revert ErrorIDistributionServiceMaxDiscountTooHigh(maxDiscountPercentage.toInt(), maxDiscountPercentageLimit.toInt());
+            }
+        }
+        
+        distributorType = DistributorTypeLib.toDistributorType(distributionNftId, name);
+        Key32 key32 = distributorType.toKey32();
+
+        if(!instance.exists(key32)) {
+            IDistribution.DistributorTypeInfo memory info = IDistribution.DistributorTypeInfo(
+                name,
+                minDiscountPercentage,
+                maxDiscountPercentage,
+                commissionPercentage,
+                maxReferralCount,
+                maxReferralLifetime,
+                allowSelfReferrals,
+                allowRenewals,
+                data);
+
+            instance.createDistributorType(key32, info);
+        }
+    }
+
+    function createDistributor(
+        address distributor,
+        DistributorType distributorType,
+        bytes memory data
+    ) external returns (NftId distributorNftId)
+    {
+        (NftId distributionNftId, IInstance instance) = _getAndVerifyCallingDistribution();
+
+        distributorNftId = getRegistryService().registerDistributor(
+            IRegistry.ObjectInfo(
+                zeroNftId(), 
+                distributionNftId,
+                DISTRIBUTOR(),
+                true, // intercepting property for bundles is defined on pool
+                address(0),
+                distributor,
+                ""
+            ));
+
+        IDistribution.DistributorInfo memory info = IDistribution.DistributorInfo(
+            distributorType,
+            true, // active
+            data,
+            0,
+            0);
+
+        instance.createDistributor(distributorNftId, info);
+    }
+
+    function updateDistributorType(
+        NftId distributorNftId,
+        DistributorType distributorType,
+        bytes memory data
+    ) external virtual
+    {
+        (, IInstance instance) = _getAndVerifyCallingDistribution();
+        InstanceReader instanceReader = instance.getInstanceReader();
+        IDistribution.DistributorInfo memory distributorInfo = instanceReader.getDistributorInfo(distributorNftId);
+        distributorInfo.distributorType = distributorType;
+        distributorInfo.data = data;
+        instance.updateDistributor(distributorNftId, distributorInfo, KEEP_STATE());
+    }
+
+
+    function createReferral(
+        NftId distributorNftId,
+        string memory code,
+        UFixed discountPercentage,
+        uint32 maxReferrals,
+        Timestamp expiryAt,
+        bytes memory data
+    )
+        external
+        virtual
+        returns (ReferralId referralId)
+    {
+        (NftId distributionNftId, IInstance instance) = _getAndVerifyCallingDistribution();
+
+        if (bytes(code).length == 0) {
+            revert ErrorIDistributionServiceInvalidReferral(code);
+        }
+        if (expiryAt.eqz()) {
+            revert ErrorIDistributionServiceExpirationInvalid(expiryAt);
+        }
+
+        InstanceReader instanceReader = instance.getInstanceReader();
+        IDistribution.DistributorInfo memory distributorInfo = instanceReader.getDistributorInfo(distributorNftId);
+        DistributorType distributorType = distributorInfo.distributorType;
+        IDistribution.DistributorTypeInfo memory distributorTypeData = instanceReader.getDistributorTypeInfo(distributorType);
+
+        if (distributorTypeData.maxReferralCount < maxReferrals) {
+            revert ErrorIDistributionServiceMaxReferralsExceeded(distributorTypeData.maxReferralCount);
+        }
+        if (distributorTypeData.minDiscountPercentage > discountPercentage) {
+            revert ErrorIDistributionServiceDiscountTooLow(distributorTypeData.minDiscountPercentage.toInt(), discountPercentage.toInt());
+        }
+        if (distributorTypeData.maxDiscountPercentage < discountPercentage) {
+            revert ErrorIDistributionServiceDiscountTooHigh(distributorTypeData.maxDiscountPercentage.toInt(), discountPercentage.toInt());
+        }
+        if (expiryAt.toInt() - TimestampLib.blockTimestamp().toInt() > distributorTypeData.maxReferralLifetime) {
+            revert ErrorIDistributionServiceExpiryTooLong(distributorTypeData.maxReferralLifetime, expiryAt.toInt());
+        }
+
+        referralId = ReferralLib.toReferralId(distributionNftId, code);
+        IDistribution.ReferralInfo memory info = IDistribution.ReferralInfo(
+            distributorNftId,
+            code,
+            discountPercentage,
+            maxReferrals,
+            0, // used referrals
+            expiryAt,
+            data
+        );
+
+        instance.createReferral(referralId.toKey32(), info);
+        return referralId;
+    }
+
+    function processSale(
+        NftId distributionNftId,
+        ReferralId referralId,
+        IPolicy.Premium memory premium,
+        uint256 transferredDistributionFeeAmount
+    )
+        external
+        virtual
+    {
+        bool isReferral = ! referralId.eqz();
+        bool referralValid = referralIsValid(distributionNftId, referralId);
+
+        if (isReferral && ! referralValid) {
+            revert ErrorIDistributionServiceReferralInvalid(distributionNftId, referralId);
+        }
+
+        IInstance instance = _getInstanceForDistribution(distributionNftId);
+        InstanceReader reader = instance.getInstanceReader();
+        IDistribution.ReferralInfo memory referralInfo = reader.getReferralInfo(referralId);
+        IDistribution.DistributorInfo memory distributorInfo = reader.getDistributorInfo(referralInfo.distributorNftId);
+        ISetup.DistributionSetupInfo memory setupInfo = reader.getDistributionSetupInfo(distributionNftId);
+        
+        uint256 distributionOwnerFee = premium.distributionOwnerFeeFixAmount + premium.distributionOwnerFeeVarAmount;
+        uint256 commissionAmount = premium.commissionAmount;
+
+        if (transferredDistributionFeeAmount != distributionOwnerFee + commissionAmount) {
+            revert ErrorIDistributionServiceInvalidFeeTransferred(transferredDistributionFeeAmount, distributionOwnerFee + commissionAmount);
+        }
+
+
+        if (distributionOwnerFee > 0) {
+            setupInfo.sumDistributionOwnerFees += distributionOwnerFee;
+            instance.updateDistributionSetup(distributionNftId, setupInfo, KEEP_STATE());
+        }
+
+        if (isReferral) {
+            referralInfo.usedReferrals += 1;
+            instance.updateReferral(referralId.toKey32(), referralInfo, KEEP_STATE());
+
+            if (commissionAmount > 0) {
+                distributorInfo.sumCommisions += commissionAmount;
+                distributorInfo.numPoliciesSold += 1;
+                instance.updateDistributor(referralInfo.distributorNftId, distributorInfo, KEEP_STATE());
+            }
+        }
+    }
+
+    function calculateFeeAmount(
+        NftId distributionNftId,
+        ReferralId referralId,
+        IPolicy.Premium memory premium
+    )
+        external
+        virtual
+        view 
+        returns (IPolicy.Premium memory finalPremium)
+    {
+        IInstance instance = _getInstanceForDistribution(distributionNftId);
+        InstanceReader reader = instance.getInstanceReader();
+        
+        // first calculate all fixed and variable fees for the distribution - this will defined the fullPremium
+        ISetup.DistributionSetupInfo memory setupInfo = reader.getDistributionSetupInfo(distributionNftId);
+        Fee memory distributionFee = setupInfo.distributionFee;
+        Fee memory minDistributionOwnerFee = setupInfo.minDistributionOwnerFee;
+        uint256 distributionFeeVarAmount = (UFixedLib.toUFixed(premium.netPremiumAmount) * distributionFee.fractionalFee).toInt();
+        premium.distributionFeeVarAmount = distributionFeeVarAmount;
+        premium.fullPremiumAmount += distributionFeeVarAmount;
+            
+        // if the referral is not valid, then the distribution owner gets everything
+        if (! referralIsValid(distributionNftId, referralId)) {
+            premium.distributionOwnerFeeFixAmount = premium.distributionFeeFixAmount;
+            premium.distributionOwnerFeeVarAmount = premium.distributionFeeVarAmount;
+            premium.premiumAmount = premium.fullPremiumAmount;
+            return premium;
+        }
+
+        // if the referral is valid, the the commission and discount are calculated based in the full premium
+        // the remaing amount goes to the distribution owner
+        {
+            IDistribution.ReferralInfo memory referralInfo = reader.getReferralInfo(referralId);
+            IDistribution.DistributorInfo memory distributorInfo = reader.getDistributorInfo(referralInfo.distributorNftId);
+            IDistribution.DistributorTypeInfo memory distributorTypeInfo = reader.getDistributorTypeInfo(distributorInfo.distributorType);
+
+            uint256 commissionAmount = UFixedLib.toUFixed(premium.netPremiumAmount).mul(distributorTypeInfo.commissionPercentage).toInt();
+            premium.commissionAmount = commissionAmount;
+            premium.discountAmount = UFixedLib.toUFixed(premium.fullPremiumAmount).mul(referralInfo.discountPercentage).toInt();
+            premium.distributionOwnerFeeFixAmount = minDistributionOwnerFee.fixedFee;
+            premium.distributionOwnerFeeVarAmount = distributionFeeVarAmount - commissionAmount - premium.discountAmount;
+            premium.premiumAmount = premium.fullPremiumAmount - premium.discountAmount;
+        }
+
+        // sanity check to validate the fee calculation
+        if (premium.distributionOwnerFeeFixAmount < minDistributionOwnerFee.fixedFee) {
+            revert ErrorIDistributionServiceFeeCalculationMismatch(
+                premium.distributionFeeFixAmount,
+                premium.distributionFeeVarAmount,
+                premium.distributionOwnerFeeFixAmount,
+                premium.distributionOwnerFeeVarAmount,
+                premium.commissionAmount,
+                premium.discountAmount
+            );
+        }
+        if ((premium.distributionFeeVarAmount) != (premium.discountAmount + premium.distributionOwnerFeeVarAmount + premium.commissionAmount)) {
+            revert ErrorIDistributionServiceFeeCalculationMismatch(
+                premium.distributionFeeFixAmount,
+                premium.distributionFeeVarAmount,
+                premium.distributionOwnerFeeFixAmount,
+                premium.distributionOwnerFeeVarAmount,
+                premium.commissionAmount,
+                premium.discountAmount
+            );
+        }
+        
+        return premium; 
+    }
+
+    // TODO: zero should return false
+    function referralIsValid(NftId distributionNftId, ReferralId referralId) public view returns (bool isValid) {
+        IInstance instance = _getInstanceForDistribution(distributionNftId);
+        IDistribution.ReferralInfo memory info = instance.getInstanceReader().getReferralInfo(referralId);
+
+        if (info.distributorNftId.eqz()) {
+            return false;
+        }
+
+        isValid = info.expiryAt.eqz() || (info.expiryAt.gtz() && TimestampLib.blockTimestamp() <= info.expiryAt);
+        isValid = isValid && info.usedReferrals < info.maxReferrals;
+    }
+
+    function _getAndVerifyCallingDistribution()
+        internal
+        view
+        returns(
+            NftId distributionNftId,
+            IInstance instance
+        )
+    {
+        distributionNftId = getRegistry().getNftId(msg.sender);
+        if (distributionNftId.eqz()) {
+            revert ErrorDistributionServiceCallerNotRegistered(msg.sender);
+        }
+
+        IRegistry.ObjectInfo memory info = getRegistry().getObjectInfo(distributionNftId);
+        if(info.objectType != DISTRIBUTION()) {
+            revert ErrorIDistributionServiceCallerNotDistributor(msg.sender);
+        }
+
+        address instanceAddress = getRegistry().getObjectInfo(info.parentNftId).objectAddress;
+        instance = IInstance(instanceAddress);
+    }
+
+
+    function _getInstanceForDistribution(NftId distributionNftId)
+        internal
+        view
+        returns(IInstance instance)
+    {
+        NftId instanceNftId = getRegistry().getObjectInfo(distributionNftId).parentNftId;
+        address instanceAddress = getRegistry().getObjectInfo(instanceNftId).objectAddress;
+        return IInstance(instanceAddress);
+    }
 }

package/contracts/instance/service/DistributionServiceManager.sol

@@ -6,7 +6,7 @@ import {ProxyManager} from "../../shared/ProxyManager.sol";
 import {DistributionService} from "./DistributionService.sol";
 import {Registry} from "../../registry/Registry.sol";
 import {RegistryService} from "../../registry/RegistryService.sol";
-import {VersionLib} from "../../types/Version.sol";
+import {REGISTRY} from "../../types/ObjectType.sol";
 
 contract DistributionServiceManager is ProxyManager {
 
@@ -16,7 +16,7 @@ contract DistributionServiceManager is ProxyManager {
     constructor(
         address registryAddress
     )
-        ProxyManager()
+        ProxyManager(registryAddress)
     {
         DistributionService distSrv = new DistributionService();
         bytes memory data = abi.encode(registryAddress, address(this));
@@ -25,11 +25,11 @@ contract DistributionServiceManager is ProxyManager {
             data);
 
         _distributionService = DistributionService(address(versionable));
-
-        Registry registry = Registry(registryAddress);
-        address registryServiceAddress = registry.getServiceAddress("RegistryService", VersionLib.toVersion(3, 0, 0).toMajorPart());
-        RegistryService registryService = RegistryService(registryServiceAddress);
-        // TODO this must have a role or own nft to register service
+        
+        // TODO `thi` must have a role or own nft to register service
+        //Registry registry = Registry(registryAddress);
+        //address registryServiceAddress = registry.getServiceAddress(REGISTRY(), _distributionService.getMajorVersion());
+        //RegistryService registryService = RegistryService(registryServiceAddress);
         //registryService.registerService(_distributionService);
         
         // TODO no nft to link yet
@@ -37,9 +37,6 @@ contract DistributionServiceManager is ProxyManager {
         //_linkToNftOwnable(
         //    address(registryAddress),
         //    address(_distributionService));
-
-        // implies that after this constructor call only upgrade functionality is available
-        _isDeployed = true;
     }
 
     //--- view functions ----------------------------------------------------//

package/contracts/instance/service/IApplicationService.sol

@@ -0,0 +1,82 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.19;
+
+import {IPolicy} from "../module/IPolicy.sol";
+import {IRisk} from "../module/IRisk.sol";
+import {IService} from "../../shared/IService.sol";
+
+import {NftId} from "../../types/NftId.sol";
+import {ReferralId} from "../../types/Referral.sol";
+import {RiskId} from "../../types/RiskId.sol";
+import {Seconds} from "../../types/Seconds.sol";
+import {StateId} from "../../types/StateId.sol";
+import {Timestamp} from "../../types/Timestamp.sol";
+import {UFixed} from "../../types/UFixed.sol";
+import {Fee} from "../../types/Fee.sol";
+
+/// @dev gif service responsible for creating applications
+/// only product components may call transaction functions
+interface IApplicationService is IService {
+    
+    error IApplicationServicePolicyNotApplied(NftId applicationNftId);
+    error IApplicationServiceBundlePoolMismatch(NftId bundleNftId, NftId bundlePoolNftId, NftId poolNftId);
+
+    /// @dev creates a new application based on the specified attributes
+    /// may only be called by a product component
+    function create(
+        address applicationOwner,
+        RiskId riskId,
+        uint256 sumInsuredAmount,
+        Seconds lifetime,
+        NftId bundleNftId,
+        ReferralId referralId,
+        bytes memory applicationData
+    ) external returns (NftId applicationNftId);
+
+    /// @dev updates application attributes
+    /// may only be called while the application is in applied state
+    /// may only be called by the referenced product related to applicationNftId
+    function adjust(
+        NftId applicationNftId,
+        RiskId riskId,
+        NftId bundleNftId,
+        ReferralId referralId,
+        uint256 sumInsuredAmount,
+        uint256 lifetime,
+        bytes memory applicationData
+    ) external;
+
+    /// @dev creates a new application that extends the provided policy
+    /// lifetime will seamlessly extend referenced policy, for closed policies
+    /// lifetime will start at underwriting time
+    /// product will need to limit the time window for renewal as underwriting
+    /// will lock the collateral at underwriting time which might be earlier than activation time
+    /// policyNftId needs to refer to an underwritten (or active or closed) policy
+    /// may only be called by the referenced product related to policyNftId
+    function renew(
+        NftId policyNftId, // policy to be renewd (renewal inherits policy attributes)
+        NftId bundleNftId // will likely need a newer bundle for underwriting
+    ) external returns (NftId applicationNftId);
+
+    /// @dev revokes the application represented by {policyNftId}
+    /// an application can only be revoked in applied state
+    /// only the application holder may revoke an application
+    function revoke(NftId policyNftId) external;
+
+    /// @dev calculates the premium amount for the specified attributes
+    /// also returns the various fee components involved with creating a policy
+    function calculatePremium(
+        NftId productNftId,
+        RiskId riskId,
+        uint256 sumInsuredAmount,
+        Seconds lifetime,
+        bytes memory applicationData,
+        NftId bundleNftId,
+        ReferralId referralId
+    )
+        external
+        view
+        returns (
+            IPolicy.Premium memory premium
+        );
+}