// ─────────────────────────────────────────────────────────────
// Section 1 - Personal Details
// ─────────────────────────────────────────────────────────────
// True when an address has been entered but we can't find a street/unit
// number in it (no detected parts number, no manual number, and the address
// doesn't start with a digit). Drives a required manual street-number field.
function addrNeedsNumber(person) {
const a = String((person && person.address) || '').trim();
if (!a) return false;
if (person.streetNo && String(person.streetNo).trim()) return false;
if (person.addressParts && person.addressParts.streetNumber) return false;
return !/^\d/.test(a);
}
function SectionPersonal({ data, set, saveCode, ensureSaveCode }) {
const d = data.personal || {};
// Functional setState ensures that two updates fired in the same React
// batch (e.g. selecting "No" on the couple-advice question, which both
// toggles primary.coupleAdvice and resets the section-level activeTab)
// don't overwrite each other. Each patch is applied against the most
// recent state, not a stale closure snapshot.
const update = (patch) => set(prev => {
const prevPersonal = prev.personal || {};
return { ...prev, personal: { ...prevPersonal, ...patch } };
});
const primary = d.primary || {};
const updatePrimary = (patch) => set(prev => {
const prevPersonal = prev.personal || {};
const prevPrimary = prevPersonal.primary || {};
return { ...prev, personal: { ...prevPersonal, primary: { ...prevPrimary, ...patch } } };
});
const partner = d.partner || {};
const updatePartner = (patch) => set(prev => {
const prevPersonal = prev.personal || {};
const prevPartner = prevPersonal.partner || {};
return { ...prev, personal: { ...prevPersonal, partner: { ...prevPartner, ...patch } } };
});
// Was this couple set up by the adviser at invite time? If so, the client
// can't opt out of completing partner details (the adviser deliberately
// paired them). If the client added the partner themselves, they can back
// out in case it was an accidental selection.
const partnerInvited = d.partnerInvited === true;
const removePartner = () => set(prev => {
const prevPersonal = prev.personal || {};
const prevPrimary = prevPersonal.primary || {};
return { ...prev, personal: {
...prevPersonal,
primary: { ...prevPrimary, coupleAdvice: false },
partner: {},
includePartner: false,
partnerCompletion: undefined,
preferredContact: undefined,
activeTab: 'primary',
} };
});
const age = primary.dob ? Math.floor((new Date() - new Date(primary.dob)) / (365.25*24*3600*1000)) : '';
// Partner panel only shows for Married / De facto AND only when the client
// confirms they're receiving advice as a couple. If they're not, the partner
// tab is hidden and its fields aren't validated.
const isCouple = ['Married', 'De facto'].includes(primary.relStatus);
const showPartnerFields = (isCouple && primary.coupleAdvice === true) || d.includePartner;
return (
);
}
// Wrapper around the Partner panel that surfaces the two-choice picker:
// - 'self' : primary fills in the partner data themselves (current
// model) - the wrapped renders below.
// - 'remind' : partner will sign in to their OWN invite + complete
// their half. The panel is replaced with a banner that
// offers to send the reminder email immediately. Submit
// is gated server-side until the partner's own
// fact-find is `status='submitted'`.
function PartnerCompletionGate({ partner, partnerCompletion, canRemove, onRemovePartner, saveCode, ensureSaveCode, onPick, children }) {
const partnerName = [partner?.firstName, partner?.lastName].filter(Boolean).join(' ').trim() || 'your partner';
const partnerEmail = partner?.email || '';
const [sending, setSending] = useState(false);
// Modal state: shown after every send attempt (success OR failure)
// so the user always sees a clear "yes/no" beat. The kind drives
// copy + colour inside the modal.
const [modal, setModal] = useState(null); // null | { kind: 'ok'|'fail', sentTo?, msg? }
// Confirm step before removing the partner entirely (clears the choice +
// any partner details and hides this tab). Only offered when the partner
// wasn't invited as a couple by the adviser.
const [confirmRemove, setConfirmRemove] = useState(false);
async function sendReminder() {
if (sending) return;
setSending(true);
let next;
try {
// The Send-reminder endpoint needs a server-side fact-find row.
// If the client hasn't typed enough to trigger autosave yet,
// create one now so the reminder doesn't silently no-op.
let code = saveCode;
if (!code && typeof ensureSaveCode === 'function') {
try { code = await ensureSaveCode(); } catch (_e) { /* fall through */ }
}
if (!code) {
next = { kind: 'fail', msg: 'We could not start a save record for you. Please type a few details first, then try again.' };
} else {
const r = await fetch(`/api/factfind/${encodeURIComponent(code)}/remind-partner`, {
method: 'POST', credentials: 'same-origin',
headers: { 'Content-Type': 'application/json' }, body: '{}',
});
const j = await r.json().catch(() => ({}));
if (!r.ok) {
// Translate the most common server errors into copy the user
// can actually act on, rather than the raw error code.
const code = j?.error || ('HTTP ' + r.status);
const friendly = code === 'no_partner'
? 'Your invite is not linked to a partner yet. Please ask your adviser to update the invite so we can email your partner.'
: code === 'partner_no_email'
? 'We do not have an email address on file for your partner. Please ask your adviser to add it.'
: code === 'no_linked_client'
? 'Your account is not yet linked to a fact-find we can use. Please refresh and try again.'
: `We could not send the reminder (${code}). Please try again or contact your adviser.`;
next = { kind: 'fail', msg: friendly };
} else if (j.emailDelivered === false) {
next = { kind: 'fail', msg: j.emailError || 'The reminder could not be delivered. Please try again or contact your adviser.' };
} else {
next = { kind: 'ok', sentTo: j.sentTo || j.partner?.email || partnerEmail || '' };
}
}
} catch (e) {
next = { kind: 'fail', msg: e.message || 'Could not send the reminder.' };
} finally {
setSending(false);
}
setModal(next);
}
return (
<>
How will you handle {partnerName}'s details?*
You can either fill these in on their behalf, or send them a reminder so they complete their own half via the link they were emailed.
{canRemove && (
Don't have a partner, or added one by mistake?
You can remove the partner and complete this fact find on your own. We won't ask for any partner details.
)}
{partnerCompletion === 'remind' && (
{partnerName} will complete their own half
We'll skip the partner panel here, and the rest of your questionnaire is unblocked. You won't be able to submit until {partnerName} has finished their fact-find - we'll prompt you with a "Send reminder" button when you reach the submit page if they haven't started yet.
{/* Show the partner's listed email so the primary knows
exactly where the reminder will land before they click. */}
{partnerEmail ? (
Reminder will be sent to:{partnerEmail}
) : (
We don't have an email address on file for {partnerName} yet - ask your adviser to update the invite before sending.
We've sent {partnerName} an email
{modal.sentTo ? <> at {modal.sentTo} : null}
{' '}asking them to complete their part of the Fact Find.
You can carry on with the rest of your sections. When you reach the submit page, we'll let you know if they haven't finished yet.
) : (
<>
Reminder couldn't be sent
{modal.msg}
)}
)}
{confirmRemove && (
setConfirmRemove(false)}>
e.stopPropagation()}>
Remove partner details?
We'll hide the partner section and you won't be asked to complete {partnerName}'s details. Any partner information entered here will be cleared. You can add a partner again later if you change your mind.
);
}
function PrimaryPanel({ primary, update, age, sectionUpdate, partner, showPartner, preferredContact }) {
const titleOpts = ['Mr','Mrs','Ms','Miss','Dr','Mx','Prefer not to say'];
const primaryDisplayName = [primary.firstName, primary.lastName].filter(Boolean).join(' ').trim() || 'Primary applicant';
const partnerDisplayName = [partner?.firstName, partner?.lastName].filter(Boolean).join(' ').trim() || 'Partner';
// Confirmation popup when the client says "No" to "Are you receiving
// advice as a couple?". Without this it's easy to fat-finger No when
// they actually do want couple advice - and that silently strips the
// partner panel + downstream partner-required fields. The popup
// forces a second click before we commit.
const [confirmSoloAdvice, setConfirmSoloAdvice] = useState(false);
return (
<>
Identity
update({ preferred: e.target.value })}
placeholder="What should we call you?" />
update({ firstName: e.target.value })} />
update({ middleName: e.target.value })} />
update({ lastName: e.target.value })} />
update({ previousName: e.target.value })} />
update({ dob: e.target.value })} />
{primary.citizenship === 'Other' && (
update({ citizenshipOther: e.target.value })}
placeholder="Please describe - e.g. specific visa type, dual citizenship" />
)}
{primary.citizenship === 'Temporary Visa Holder' && (
update({ visaType: e.target.value })}
placeholder="State your visa type or subclass" />
)}
update({ relStatus: v })}
/>
{primary.relStatus === 'Divorced' && (
update({ financiallySeparated: v })} />
)}
{['Married','De facto'].includes(primary.relStatus) && (
{
if (v === false) {
// Don't commit "No" immediately - confirm with a popup
// first so the user explicitly acknowledges that only
// they will be receiving advice. The popup commits the
// change (and clears the partner panel) once confirmed.
setConfirmSoloAdvice(true);
} else {
update({ coupleAdvice: v });
}
}}
/>
)}
{confirmSoloAdvice && (
{
update({ coupleAdvice: false });
if (sectionUpdate) sectionUpdate({ includePartner: false, activeTab: 'primary' });
setConfirmSoloAdvice(false);
}}
onNo={() => setConfirmSoloAdvice(false)}
/>
)}
{['Married','De facto'].includes(primary.relStatus) && primary.coupleAdvice === true && (
A Partner / spouse tab has been added up top - we'll need a few details for them too.
)}
update({ hasDeps: v, deps: v ? (primary.deps || [{}]) : [] })}
/>
{primary.hasDeps && (
{/* Tenure < 1 year: ask about the previous role for income-protection
underwriting (insurers require continuity of similar work). */}
{primary.tenure === 'Less than 1 year' && (