'use client';

/**
 * AccountDetailForm - 계좌 등록/수정/보기 조건부 폼
 *
 * 구분(category) 선택에 따라 유형(accountType) 옵션과 하단 상세 섹션이 동적 변경됨
 * - 은행계좌: 계좌 정보 (계약금액, 이율, 시작일, 만기일, 이월잔액)
 * - 대출계좌: 대출 정보 (대출금액, 이율, 상환방식, 거치기간 등)
 * - 증권계좌: 증권 정보 (투자금액, 수익율, 평가액)
 * - 보험계좌: 보험 정보 (단체/화재/CEO별 다른 필드)
 */

import { useState, useCallback, useMemo } from 'react';
import { useRouter } from 'next/navigation';
import { Landmark, Save, Trash2, ArrowLeft, Edit } from 'lucide-react';
import { toast } from 'sonner';
import { Button } from '@/components/ui/button';
import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
import { DeleteConfirmDialog } from '@/components/ui/confirm-dialog';
import { PageLayout } from '@/components/organisms/PageLayout';
import { PageHeader } from '@/components/organisms/PageHeader';
import { FormField } from '@/components/molecules/FormField';
import { useMenuStore } from '@/stores/menuStore';
import type { Account, AccountCategory, AccountFormData } from './types';
import {
  ACCOUNT_CATEGORY_OPTIONS,
  ACCOUNT_TYPE_OPTIONS_BY_CATEGORY,
  ACCOUNT_STATUS_OPTIONS,
  FINANCIAL_INSTITUTION_OPTIONS_BY_CATEGORY,
  BANK_LABELS,
  HOLDER_LABEL_BY_CATEGORY,
} from './types';

// ===== Props =====
interface AccountDetailFormProps {
  mode: 'create' | 'edit' | 'view';
  initialData?: Account;
  onSubmit: (data: AccountFormData) => Promise<{ success: boolean; error?: string }>;
  onDelete?: () => Promise<{ success: boolean; error?: string }>;
  isLoading?: boolean;
}

// ===== 초기 폼 데이터 생성 =====
function getInitialFormData(initialData?: Account): AccountFormData {
  if (initialData) {
    return {
      category: initialData.category || 'bank_account',
      accountType: initialData.accountType || '',
      bankCode: initialData.bankCode || '',
      bankName: initialData.bankName || '',
      accountNumber: initialData.accountNumber || '',
      accountName: initialData.accountName || '',
      accountHolder: initialData.accountHolder || '',
      status: initialData.status || 'active',
      contractAmount: initialData.contractAmount,
      interestRate: initialData.interestRate,
      startDate: initialData.startDate,
      maturityDate: initialData.maturityDate,
      carryoverBalance: initialData.carryoverBalance,
      loanAmount: initialData.loanAmount,
      loanBalance: initialData.loanBalance,
      interestPaymentCycle: initialData.interestPaymentCycle,
      repaymentMethod: initialData.repaymentMethod,
      gracePeriod: initialData.gracePeriod,
      monthlyRepayment: initialData.monthlyRepayment,
      collateral: initialData.collateral,
      investmentAmount: initialData.investmentAmount,
      returnRate: initialData.returnRate,
      evaluationAmount: initialData.evaluationAmount,
      surrenderValue: initialData.surrenderValue,
      policyNumber: initialData.policyNumber,
      paymentCycle: initialData.paymentCycle,
      premiumPerCycle: initialData.premiumPerCycle,
      premiumPerPerson: initialData.premiumPerPerson,
      enrolledCount: initialData.enrolledCount,
      insuredProperty: initialData.insuredProperty,
      propertyAddress: initialData.propertyAddress,
      beneficiary: initialData.beneficiary,
      note: initialData.note,
    };
  }
  return {
    category: 'bank_account',
    accountType: '',
    bankCode: '',
    bankName: '',
    accountNumber: '',
    accountName: '',
    accountHolder: '',
    status: 'active',
  };
}

export function AccountDetailForm({
  mode: initialMode,
  initialData,
  onSubmit,
  onDelete,
  isLoading,
}: AccountDetailFormProps) {
  const router = useRouter();
  const sidebarCollapsed = useMenuStore((state) => state.sidebarCollapsed);
  const [mode, setMode] = useState(initialMode);
  const [formData, setFormData] = useState<AccountFormData>(() => getInitialFormData(initialData));
  const [isSaving, setIsSaving] = useState(false);
  const [showDeleteDialog, setShowDeleteDialog] = useState(false);

  const isViewMode = mode === 'view';
  const isCreateMode = mode === 'create';
  const disabled = isViewMode;

  // ===== 구분별 동적 옵션 =====
  const typeOptions = useMemo(
    () => ACCOUNT_TYPE_OPTIONS_BY_CATEGORY[formData.category] || [],
    [formData.category]
  );

  const institutionOptions = useMemo(
    () => FINANCIAL_INSTITUTION_OPTIONS_BY_CATEGORY[formData.category] || [],
    [formData.category]
  );

  const holderLabel = HOLDER_LABEL_BY_CATEGORY[formData.category] || '예금주';

  // ===== 핸들러 =====
  const handleChange = useCallback((field: keyof AccountFormData, value: string | number | undefined) => {
    setFormData(prev => ({ ...prev, [field]: value }));
  }, []);

  const handleCategoryChange = useCallback((value: string) => {
    const category = value as AccountCategory;
    setFormData(prev => ({
      ...prev,
      category,
      accountType: '',
      bankCode: '',
      bankName: '',
    }));
  }, []);

  const handleBankCodeChange = useCallback((value: string) => {
    setFormData(prev => ({
      ...prev,
      bankCode: value,
      bankName: BANK_LABELS[value] || value,
    }));
  }, []);

  const handleSubmit = useCallback(async () => {
    if (!formData.category || !formData.bankCode || !formData.accountNumber) {
      toast.error('필수 항목을 입력해주세요.');
      return;
    }
    setIsSaving(true);
    try {
      const result = await onSubmit(formData);
      if (result.success) {
        toast.success(isCreateMode ? '계좌가 등록되었습니다.' : '계좌가 수정되었습니다.');
        router.push('/ko/settings/accounts');
      } else {
        toast.error(result.error || '저장에 실패했습니다.');
      }
    } catch {
      toast.error('서버 오류가 발생했습니다.');
    } finally {
      setIsSaving(false);
    }
  }, [formData, onSubmit, isCreateMode, router]);

  const handleDelete = useCallback(async () => {
    if (!onDelete) return;
    setIsSaving(true);
    try {
      const result = await onDelete();
      if (result.success) {
        toast.success('계좌가 삭제되었습니다.');
        router.push('/ko/settings/accounts');
      } else {
        toast.error(result.error || '삭제에 실패했습니다.');
      }
    } catch {
      toast.error('서버 오류가 발생했습니다.');
    } finally {
      setIsSaving(false);
      setShowDeleteDialog(false);
    }
  }, [onDelete, router]);

  const handleBack = useCallback(() => {
    router.push('/ko/settings/accounts');
  }, [router]);

  const handleEdit = useCallback(() => {
    setMode('edit');
    if (initialData?.id) {
      router.push(`/ko/settings/accounts/${initialData.id}?mode=edit`);
    }
  }, [initialData?.id, router]);

  // ===== 로딩 =====
  if (isLoading) {
    return (
      <PageLayout>
        <div className="animate-pulse space-y-4">
          <div className="h-8 bg-muted rounded w-1/3" />
          <div className="h-64 bg-muted rounded" />
        </div>
      </PageLayout>
    );
  }

  // ===== 렌더링 =====
  return (
    <PageLayout>
      <PageHeader
        title={isCreateMode ? '수기 계좌 등록' : isViewMode ? '계좌 상세' : '계좌 수정'}
        description="계좌 정보를 관리합니다"
        icon={Landmark}
      />

      <div className="space-y-6 pb-20">
        {/* ===== 기본 정보 ===== */}
        <Card>
          <CardHeader>
            <CardTitle className="text-base">기본 정보</CardTitle>
          </CardHeader>
          <CardContent className="space-y-6">
            {/* 구분 & 유형 */}
            <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
              <FormField
                label="구분"
                type="select"
                required
                value={formData.category}
                onChange={handleCategoryChange}
                options={ACCOUNT_CATEGORY_OPTIONS}
                selectPlaceholder="구분 선택"
                disabled={disabled}
              />
              <FormField
                key={`type-${formData.category}`}
                label="유형"
                type="select"
                value={formData.accountType}
                onChange={(v) => handleChange('accountType', v)}
                options={typeOptions}
                selectPlaceholder="유형 선택"
                disabled={disabled}
              />
            </div>

            {/* 금융기관 & 계좌번호 */}
            <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
              <FormField
                key={`bank-${formData.category}`}
                label="금융기관"
                type="select"
                required
                value={formData.bankCode}
                onChange={handleBankCodeChange}
                options={institutionOptions}
                selectPlaceholder="금융기관 선택"
                disabled={disabled}
              />
              <FormField
                label="계좌번호"
                type="text"
                required
                value={formData.accountNumber}
                onChange={(v) => handleChange('accountNumber', v)}
                placeholder="계좌번호 입력"
                disabled={disabled || mode === 'edit'}
              />
            </div>

            {/* 계좌명 & 예금주/계약자/피보험자 */}
            <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
              <FormField
                label="계좌명(상용명)"
                type="text"
                value={formData.accountName}
                onChange={(v) => handleChange('accountName', v)}
                placeholder="계좌명 입력"
                disabled={disabled}
              />
              <FormField
                label={holderLabel}
                type="text"
                value={formData.accountHolder}
                onChange={(v) => handleChange('accountHolder', v)}
                placeholder={`${holderLabel} 입력`}
                disabled={disabled}
              />
            </div>

            {/* 상태 */}
            <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
              <FormField
                label="상태"
                type="select"
                required
                value={formData.status}
                onChange={(v) => handleChange('status', v)}
                options={ACCOUNT_STATUS_OPTIONS}
                selectPlaceholder="상태 선택"
                disabled={disabled}
              />
            </div>
          </CardContent>
        </Card>

        {/* ===== 구분별 상세 정보 ===== */}
        {formData.category === 'bank_account' && (
          <BankAccountSection formData={formData} onChange={handleChange} disabled={disabled} />
        )}
        {formData.category === 'loan_account' && (
          <LoanAccountSection formData={formData} onChange={handleChange} disabled={disabled} />
        )}
        {formData.category === 'securities_account' && (
          <SecuritiesAccountSection formData={formData} onChange={handleChange} disabled={disabled} />
        )}
        {formData.category === 'insurance_account' && (
          <InsuranceAccountSection formData={formData} onChange={handleChange} disabled={disabled} />
        )}

        {/* ===== 하단 버튼 (sticky) ===== */}
        <div className={`fixed bottom-4 left-4 right-4 px-4 py-3 bg-background/95 backdrop-blur rounded-xl border shadow-lg z-50 transition-all duration-300 md:bottom-6 md:px-6 md:right-[48px] ${sidebarCollapsed ? 'md:left-[156px]' : 'md:left-[316px]'} flex items-center justify-between`}>
          <Button variant="outline" onClick={handleBack} size="sm" className="md:size-default">
            <ArrowLeft className="h-4 w-4 md:mr-2" />
            <span className="hidden md:inline">목록으로</span>
          </Button>
          <div className="flex items-center gap-1 md:gap-2">
            {isViewMode ? (
              <>
                {onDelete && (
                  <Button
                    variant="outline"
                    onClick={() => setShowDeleteDialog(true)}
                    size="sm"
                    className="text-destructive hover:bg-destructive hover:text-destructive-foreground md:size-default"
                  >
                    <Trash2 className="h-4 w-4 md:mr-2" />
                    <span className="hidden md:inline">삭제</span>
                  </Button>
                )}
                <Button onClick={handleEdit} size="sm" className="md:size-default">
                  <Edit className="h-4 w-4 md:mr-2" />
                  <span className="hidden md:inline">수정</span>
                </Button>
              </>
            ) : (
              <>
                {!isCreateMode && onDelete && (
                  <Button
                    variant="outline"
                    onClick={() => setShowDeleteDialog(true)}
                    size="sm"
                    className="text-destructive hover:bg-destructive hover:text-destructive-foreground md:size-default"
                  >
                    <Trash2 className="h-4 w-4 md:mr-2" />
                    <span className="hidden md:inline">삭제</span>
                  </Button>
                )}
                <Button onClick={handleSubmit} disabled={isSaving} size="sm" className="md:size-default">
                  <Save className="h-4 w-4 md:mr-2" />
                  <span className="hidden md:inline">{isCreateMode ? '등록' : '저장'}</span>
                </Button>
              </>
            )}
          </div>
        </div>
      </div>

      {/* ===== 삭제 확인 ===== */}
      <DeleteConfirmDialog
        open={showDeleteDialog}
        onOpenChange={setShowDeleteDialog}
        onConfirm={handleDelete}
        title="계좌 삭제"
        description="계좌를 정말 삭제하시겠습니까? 삭제된 계좌의 과거 사용 내역은 보존됩니다."
        loading={isSaving}
      />
    </PageLayout>
  );
}

// ============================================
// 구분별 상세 섹션 컴포넌트
// ============================================

interface SectionProps {
  formData: AccountFormData;
  onChange: (field: keyof AccountFormData, value: string | number | undefined) => void;
  disabled: boolean;
}

// ===== 은행계좌 정보 =====
function BankAccountSection({ formData, onChange, disabled }: SectionProps) {
  return (
    <Card>
      <CardHeader>
        <CardTitle className="text-base">계좌 정보</CardTitle>
      </CardHeader>
      <CardContent className="space-y-6">
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="계약금액"
            type="currency"
            value={formData.contractAmount}
            onChangeNumber={(v) => onChange('contractAmount', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="이율(%)"
            type="number"
            value={formData.interestRate != null ? String(formData.interestRate) : ''}
            onChange={(v) => onChange('interestRate', v ? Number(v) : undefined)}
            placeholder="0.00"
            disabled={disabled}
            allowDecimal
            decimalPlaces={2}
            suffix="%"
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="시작일"
            type="date"
            value={formData.startDate || ''}
            onChange={(v) => onChange('startDate', v)}
            disabled={disabled}
          />
          <FormField
            label="만기일"
            type="date"
            value={formData.maturityDate || ''}
            onChange={(v) => onChange('maturityDate', v)}
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="이월잔액"
            type="currency"
            value={formData.carryoverBalance}
            onChangeNumber={(v) => onChange('carryoverBalance', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="비고"
            type="text"
            value={formData.note || ''}
            onChange={(v) => onChange('note', v)}
            placeholder="비고"
            disabled={disabled}
          />
        </div>
      </CardContent>
    </Card>
  );
}

// ===== 대출계좌 정보 =====
function LoanAccountSection({ formData, onChange, disabled }: SectionProps) {
  return (
    <Card>
      <CardHeader>
        <CardTitle className="text-base">대출 정보</CardTitle>
      </CardHeader>
      <CardContent className="space-y-6">
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="대출금액"
            type="currency"
            value={formData.loanAmount}
            onChangeNumber={(v) => onChange('loanAmount', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="이율(%)"
            type="number"
            value={formData.interestRate != null ? String(formData.interestRate) : ''}
            onChange={(v) => onChange('interestRate', v ? Number(v) : undefined)}
            placeholder="0.00"
            disabled={disabled}
            allowDecimal
            decimalPlaces={2}
            suffix="%"
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="시작일"
            type="date"
            value={formData.startDate || ''}
            onChange={(v) => onChange('startDate', v)}
            disabled={disabled}
          />
          <FormField
            label="만기일"
            type="date"
            value={formData.maturityDate || ''}
            onChange={(v) => onChange('maturityDate', v)}
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="대출잔액"
            type="currency"
            value={formData.loanBalance}
            onChangeNumber={(v) => onChange('loanBalance', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="이자 납입 주기"
            type="select"
            value={formData.interestPaymentCycle || ''}
            onChange={(v) => onChange('interestPaymentCycle', v)}
            options={[
              { value: 'monthly', label: '월납' },
              { value: 'quarterly', label: '분기납' },
              { value: 'semi_annual', label: '반기납' },
              { value: 'annual', label: '연납' },
            ]}
            selectPlaceholder="주기 선택"
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="상환 방식"
            type="select"
            value={formData.repaymentMethod || ''}
            onChange={(v) => onChange('repaymentMethod', v)}
            options={[
              { value: 'equal_principal', label: '원금균등' },
              { value: 'equal_installment', label: '원리금균등' },
              { value: 'bullet', label: '만기일시' },
              { value: 'other', label: '기타' },
            ]}
            selectPlaceholder="방식 선택"
            disabled={disabled}
          />
          <FormField
            label="거치 기간"
            type="text"
            value={formData.gracePeriod || ''}
            onChange={(v) => onChange('gracePeriod', v)}
            placeholder="예: 6개월"
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="월 상환액"
            type="currency"
            value={formData.monthlyRepayment}
            onChangeNumber={(v) => onChange('monthlyRepayment', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="담보물"
            type="text"
            value={formData.collateral || ''}
            onChange={(v) => onChange('collateral', v)}
            placeholder="담보물 입력"
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="비고"
            type="text"
            value={formData.note || ''}
            onChange={(v) => onChange('note', v)}
            placeholder="비고"
            disabled={disabled}
          />
        </div>
      </CardContent>
    </Card>
  );
}

// ===== 증권계좌 정보 =====
function SecuritiesAccountSection({ formData, onChange, disabled }: SectionProps) {
  return (
    <Card>
      <CardHeader>
        <CardTitle className="text-base">증권 정보</CardTitle>
      </CardHeader>
      <CardContent className="space-y-6">
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="투자금액"
            type="currency"
            value={formData.investmentAmount}
            onChangeNumber={(v) => onChange('investmentAmount', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="수익율(%)"
            type="number"
            value={formData.returnRate != null ? String(formData.returnRate) : ''}
            onChange={(v) => onChange('returnRate', v ? Number(v) : undefined)}
            placeholder="0.00"
            disabled={disabled}
            allowDecimal
            decimalPlaces={2}
            suffix="%"
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="시작일"
            type="date"
            value={formData.startDate || ''}
            onChange={(v) => onChange('startDate', v)}
            disabled={disabled}
          />
          <FormField
            label="만기일"
            type="date"
            value={formData.maturityDate || ''}
            onChange={(v) => onChange('maturityDate', v)}
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="평가액"
            type="currency"
            value={formData.evaluationAmount}
            onChangeNumber={(v) => onChange('evaluationAmount', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="비고"
            type="text"
            value={formData.note || ''}
            onChange={(v) => onChange('note', v)}
            placeholder="비고"
            disabled={disabled}
          />
        </div>
      </CardContent>
    </Card>
  );
}

// ===== 보험계좌 정보 =====
function InsuranceAccountSection({ formData, onChange, disabled }: SectionProps) {
  return (
    <Card>
      <CardHeader>
        <CardTitle className="text-base">보험 정보</CardTitle>
      </CardHeader>
      <CardContent className="space-y-6">
        {/* 공통 */}
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="계약금액"
            type="currency"
            value={formData.contractAmount}
            onChangeNumber={(v) => onChange('contractAmount', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="이율(%)"
            type="number"
            value={formData.interestRate != null ? String(formData.interestRate) : ''}
            onChange={(v) => onChange('interestRate', v ? Number(v) : undefined)}
            placeholder="0.00"
            disabled={disabled}
            allowDecimal
            decimalPlaces={2}
            suffix="%"
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="시작일"
            type="date"
            value={formData.startDate || ''}
            onChange={(v) => onChange('startDate', v)}
            disabled={disabled}
          />
          <FormField
            label="만기일"
            type="date"
            value={formData.maturityDate || ''}
            onChange={(v) => onChange('maturityDate', v)}
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="해약환급금"
            type="currency"
            value={formData.surrenderValue}
            onChangeNumber={(v) => onChange('surrenderValue', v)}
            placeholder="0"
            disabled={disabled}
          />
          <FormField
            label="증권번호"
            type="text"
            value={formData.policyNumber || ''}
            onChange={(v) => onChange('policyNumber', v)}
            placeholder="증권번호"
            disabled={disabled}
          />
        </div>
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="납입 주기"
            type="select"
            value={formData.paymentCycle || ''}
            onChange={(v) => onChange('paymentCycle', v)}
            options={[
              { value: 'monthly', label: '월납' },
              { value: 'quarterly', label: '분기납' },
              { value: 'semi_annual', label: '반기납' },
              { value: 'annual', label: '연납' },
              { value: 'lump_sum', label: '일시납' },
            ]}
            selectPlaceholder="주기 선택"
            disabled={disabled}
          />
          <FormField
            label="납입 주기당 보험료"
            type="currency"
            value={formData.premiumPerCycle}
            onChangeNumber={(v) => onChange('premiumPerCycle', v)}
            placeholder="0"
            disabled={disabled}
          />
        </div>

        {/* 단체보험 전용 */}
        {formData.accountType === 'group_insurance' && (
          <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
            <FormField
              label="1인당 보험료"
              type="currency"
              value={formData.premiumPerPerson}
              onChangeNumber={(v) => onChange('premiumPerPerson', v)}
              placeholder="0"
              disabled={disabled}
            />
            <FormField
              label="가입 인원"
              type="number"
              value={formData.enrolledCount != null ? String(formData.enrolledCount) : ''}
              onChange={(v) => onChange('enrolledCount', v ? Number(v) : undefined)}
              placeholder="0"
              disabled={disabled}
            />
          </div>
        )}

        {/* 화재보험 전용 */}
        {formData.accountType === 'fire_insurance' && (
          <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
            <FormField
              label="보험 대상물"
              type="text"
              value={formData.insuredProperty || ''}
              onChange={(v) => onChange('insuredProperty', v)}
              placeholder="보험 대상물 입력"
              disabled={disabled}
            />
            <FormField
              label="대상물 주소"
              type="text"
              value={formData.propertyAddress || ''}
              onChange={(v) => onChange('propertyAddress', v)}
              placeholder="주소 입력"
              disabled={disabled}
            />
          </div>
        )}

        {/* CEO보험 전용 */}
        {formData.accountType === 'ceo_insurance' && (
          <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
            <FormField
              label="수익자"
              type="text"
              value={formData.beneficiary || ''}
              onChange={(v) => onChange('beneficiary', v)}
              placeholder="수익자 입력"
              disabled={disabled}
            />
          </div>
        )}

        {/* 비고 */}
        <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
          <FormField
            label="비고"
            type="text"
            value={formData.note || ''}
            onChange={(v) => onChange('note', v)}
            placeholder="비고"
            disabled={disabled}
          />
        </div>
      </CardContent>
    </Card>
  );
}
