/* support.jsx, customer support, agent-first.
SupportFlow: hub (Ask Yoshi + browse topics + talk to a person) →
topic detail (accordion FAQ) → specialist live chat. Opened as an
overlay from Profile, same push-enter vocabulary as TransferFlow. */
const SUPPORT_TOPICS = [
{ id: "disputes", icon: "shield", name: "Disputes & fraud", sub: "Unauthorized charges, chargebacks",
qs: [
["I see a charge I don't recognize", "Open the charge in your stream and tap Dispute. Yoshi freezes the card, files the claim, and issues a provisional credit within one business day while we investigate. You don't pay for fraud you report."],
["My card was lost or stolen", "Freeze it instantly from Accounts → Card, then tap Replace. A virtual card is live in seconds so nothing breaks; the physical replacement ships in 3–5 days."],
["How long do disputes take?", "Provisional credit lands within 1 business day. A final decision follows within 10 business days for most card disputes, up to 45 for complex cases. We'll keep you posted in your stream."],
] },
{ id: "transfers", icon: "swap", name: "Transfers & deposits", sub: "ACH, wires, holds, limits",
qs: [
["Why is my deposit on hold?", "New external deposits can hold 1–2 business days while the funds clear. Instant transfers and Yoshi-to-Yoshi moves are available right away. You'll see the release date on the transfer."],
["What are my transfer limits?", "Standard ACH is up to $25,000 per day. Wires and instant transfers have their own limits, shown before you confirm. Need more for a one-time move? A specialist can raise it after a quick check."],
["I sent money to the wrong place", "If it hasn't settled, Yoshi can often cancel it, open the transfer and tap Cancel. If it's already out, message a specialist and we'll start a recall."],
] },
{ id: "cards", icon: "card", name: "Cards", sub: "Activate, freeze, replace",
qs: [
["How do I activate my card?", "Go to Accounts → Card and tap Activate. Your virtual card works online immediately; the physical card activates the same way once it arrives."],
["Can my agent use the card?", "Yes, issue Yoshi a virtual card scoped to a monthly cap and a set of merchants. It runs as a standing rule inside your trust ladder, and you can freeze it anytime."],
["How do rewards work?", "Rewards accrue automatically on eligible spend and post monthly to Checking. See the running total in Accounts → Card → Rewards."],
] },
{ id: "account", icon: "profile", name: "Account & KYC", sub: "Verification, limits, statements",
qs: [
["My verification is stuck", "Most KYC checks clear in minutes. If yours is pending more than an hour, message a specialist, usually it's a quick document re-upload."],
["How do I close my account?", "We'd hate to see you go. A specialist can walk you through moving out your balance and closing cleanly, your statements and tax docs stay available after."],
] },
{ id: "tax", icon: "doc", name: "Statements & tax", sub: "1099s, cost basis, reports",
qs: [
["Where are my tax documents?", "Open Documents from your profile, 1099-B, 1099-INT and crypto forms post there as they're ready, alongside every monthly statement."],
["My cost basis looks wrong", "Tell Yoshi which lot looks off and it'll reconcile against your trade history. If a transfer-in is missing a basis, a specialist can adjust it."],
["Can I get a custom report?", "Yes, ask Yoshi for it in plain words (\"realized gains for Q2\", \"all interest earned this year\") and it builds a PDF you can download or send to your accountant."],
] },
];
const supportReply = (text) => {
const t = text.toLowerCase();
if (/(fraud|stolen|unauthor|didn't make|scam)/.test(t)) return "I've got you. I'm freezing the affected card now and opening a dispute, you'll see a provisional credit within one business day. Can you confirm the merchant name on the charge?";
if (/(freeze|lost|missing card)/.test(t)) return "Done, I've frozen the card so nothing else can post. Want me to ship a replacement, or just unfreeze once you find it?";
if (/(transfer|deposit|hold|wire|ach)/.test(t)) return "Let me pull up that transfer. I can see the hold release date and, if it hasn't settled, cancel or expedite it. Which transfer is it, the one to Checking today?";
if (/(limit|raise|increase)/.test(t)) return "I can request a higher limit for you. For a one-time move I'll just need the amount and where it's going; standing increases take a quick review.";
if (/(thank|thanks|great|perfect|appreciate)/.test(t)) return "Anytime. I'll leave the dispute open in your stream so you can follow along. Anything else while I'm here?";
return "Thanks, I've pulled up your account and I'm looking now. Give me one moment and I'll come back with something concrete.";
};
const SUPPORT_SEED = [
{ from: "sys", t: "You're chatting with Fin, Yoshi's third-party support assistant. Fin can see your account but not your card number or password." },
{ from: "agent", t: "Hi Rivka, I'm Fin — Yoshi's support assistant. What can I help you sort out today?", time: "now" },
];
const SupportFlow = ({ onClose, nav }) => {
const [screen, setScreen] = useState("chat"); // routes straight to Fin (3rd-party)
const [topic, setTopic] = useState(null);
const askYoshi = () => {
onClose();
nav.ask(
"I need a hand with something on my account.",
"Of course, I can see your accounts, cards, and recent activity, so tell me what's going on and I'll fix it or walk you through it. If it needs a human, I'll hand you to a specialist with the context already attached."
);
};
return (