<?php
if (!function_exists('getDefaultEmailSettings')) {
    function getDefaultEmailSettings() {
        return [
            'verificationRequired' => true,
            'verificationExpiry' => 24,
            'sendWelcomeEmail' => true,
            'sendDepositNotifications' => true,
            'sendWithdrawalNotifications' => true,
            'sendKycNotifications' => true,
            'sendTicketNotifications' => true,
            'brand_name' => 'First De France Bank',
            'brand_email' => 'support@firstdefrance.com',
            'brand_logo_url' => '',
            'brand_address' => ''
        ];
    }
}

if (!function_exists('getDefaultTemplates')) {
    function getDefaultTemplates() {
        // Copied from admin_email_settings.php getDefaultTemplates()
        // Keep this as the single source of truth for default templates
        return [
            'verification' => [
                'subject' => '🔐 Verify Your Email - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n    <meta charset="UTF-8">\n    <meta name="viewport" content="width=device-width, initial-scale=1.0">\n    <title>Verify Your Email</title>\n</head>\n<body style="margin: 0; padding: 0; font-family: -apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color: #f5f5f5;">\n    <table width="100%" cellpadding="0" cellspacing="0" style="background-color: #f5f5f5; padding: 40px 20px;">\n        <tr>\n            <td align="center">\n                <table width="600" cellpadding="0" cellspacing="0" style="background-color: #ffffff; border-radius: 16px; overflow: hidden; box-shadow: 0 4px 6px rgba(0,0,0,0.1);">\n                    <tr>\n                        <td style="background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%); padding: 40px 40px 30px; text-align: center;">\n                            <div style="margin-bottom: 8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display: inline-block;" /></div>\n                            <h1 style="margin: 0; color: #ffffff; font-size: 32px; font-weight: 700; letter-spacing: -0.5px;">{{brand_name}}</h1>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td align="center" style="padding: 40px 40px 20px;">\n                            <div style="width: 80px; height: 80px; background: linear-gradient(135deg, #E43D30 0%, #ff6b5a 100%); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; box-shadow: 0 8px 20px rgba(228, 61, 48, 0.3);">\n                                <span style="font-size: 40px; color: white;">🎉</span>\n                            </div>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="padding: 0 40px 40px;">\n                            <h2 style="margin: 0 0 16px; color: #1a1a2e; font-size: 28px; font-weight: 700; text-align: center;">Welcome to {{brand_name}}!</h2>\n                            <p style="margin: 0 0 24px; color: #666; font-size: 16px; line-height: 1.6; text-align: center;">Dear {{user_name}},</p>\n                            <p style="margin: 0 0 32px; color: #666; font-size: 16px; line-height: 1.6;">Thank you for joining {{brand_name}}. To unlock all features and start investing, please verify your email address.</p>\n                            <table width="100%" cellpadding="0" cellspacing="0">\n                                <tr>\n                                    <td align="center" style="padding: 20px 0;">\n                                        <a href="{{verification_link}}" style="display: inline-block; padding: 16px 48px; background: linear-gradient(135deg, #E43D30 0%, #ff6b5a 100%); color: #ffffff; text-decoration: none; border-radius: 8px; font-size: 16px; font-weight: 600; box-shadow: 0 4px 12px rgba(228, 61, 48, 0.3); transition: transform 0.2s;">Verify Email Address</a>\n                                    </td>\n                                </tr>\n                            </table>\n                            <div style="background: #f8f9fa; border-left: 4px solid #E43D30; padding: 16px; border-radius: 8px; margin: 24px 0;">\n                                <p style="margin: 0; color: #666; font-size: 14px; line-height: 1.6;"><strong>⏰ Important:</strong> This verification link will expire in <strong>{{expiry_hours}} hours</strong>. Please verify your email soon to avoid any disruptions.</p>\n                            </div>\n                            <p style="margin: 24px 0 0; color: #999; font-size: 14px; line-height: 1.6; text-align: center;">If you didn\'t create this account, you can safely ignore this email.</p>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="background-color: #f8f9fa; padding: 32px 40px; text-align: center; border-top: 1px solid #e0e0e0;">\n                            <p style="margin: 0 0 8px; color: #999; font-size: 14px;">Best regards,</p>\n                            <p style="margin: 0 0 16px; color: #1a1a2e; font-size: 16px; font-weight: 600;">{{brand_name}}</p>\n                            <p style="margin: 0; color: #999; font-size: 12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n                        </td>\n                    </tr>\n                </table>\n            </td>\n        </tr>\n    </table>\n</body>\n</html>'
            ],
            // For brevity, only the banking templates required for this project are reproduced here
            // They must match those defined in admin_email_settings.php
            'withdrawalRequest' => [
                'subject' => '💸 Transfer Request Received - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n    <meta charset="UTF-8">\n    <meta name="viewport" content="width=device-width, initial-scale=1.0">\n    <title>Transfer Request</title>\n    <style>\n      @media screen and (max-width: 600px) {\n        .stack { display: block !important; width: 100% !important; padding-left: 0 !important; padding-right: 0 !important; }\n        .pr-16 { padding-right: 0 !important; }\n        .pl-16 { padding-left: 0 !important; }\n      }\n    </style>\n</head>\n<body style="margin: 0; padding: 0; font-family: -apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color: #f5f5f5;">\n    <table width="100%" cellpadding="0" cellspacing="0" style="background-color: #f5f5f5; padding: 40px 20px;">\n        <tr>\n            <td align="center">\n                <table width="600" cellpadding="0" cellspacing="0" style="background-color: #ffffff; border-radius: 16px; overflow: hidden; box-shadow: 0 4px 6px rgba(0,0,0,0.1);">\n                    <tr>\n                        <td style="background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%); padding: 40px; text-align: center;">\n                            <div style="margin-bottom: 8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display: inline-block;" /></div>\n                            <h1 style="margin: 0; color: #ffffff; font-size: 32px; font-weight: 700;">{{brand_name}}</h1>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td align="center" style="padding: 40px 40px 20px;">\n                            <div style="width: 80px; height: 80px; background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; box-shadow: 0 8px 20px rgba(245, 158, 11, 0.3);">\n                                <span style="font-size: 40px; color: white;">💸</span>\n                            </div>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="padding: 0 40px 40px;">\n                            <p style="margin: 0 0 8px; color: #666; font-size: 14px;">Dear {{user_name}},</p>\n                            <h3 style="margin: 0 0 4px; color: #c1121f; font-size: 18px; font-weight: 700;">Thank you for choosing {{brand_name}}</h3>\n                            <h2 style="margin: 0 16px 16px 0; color: #1a1a2e; font-size: 20px; font-weight: 700;">Below are your transaction details:</h2>\n                            <table width="100%" cellpadding="0" cellspacing="0">\n                              <tr>\n                                <td class="stack pr-16" valign="top" width="65%" style="padding-right:16px;">\n                                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Transfer via {{method}} to {{withdrawal_address}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Debit</td></tr>\n                                    <tr><td colspan="2" style="padding:0;"><div style="background:#b91c1c; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                                  </table>\n                                </td>\n                                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                                  <div style="border-left:3px solid #c1121f; padding-left:12px;">\n                                    <h4 style="margin:0 0 8px; color:#c1121f; font-size:14px;">Important Security and Privacy Information</h4>\n                                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                                  </div>\n                                </td>\n                              </tr>\n                            </table>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="background-color: #f8f9fa; padding: 32px 40px; text-align: center; border-top: 1px solid #e0e0e0;">\n                            <p style="margin: 0 0 8px; color: #999; font-size: 14px;">Best regards,</p>\n                            <p style="margin: 0 0 16px; color: #1a1a2e; font-size: 16px; font-weight: 600;">{{brand_name}}</p>\n                            <p style="margin: 0; color: #999; font-size: 12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n                        </td>\n                    </tr>\n                </table>\n            </td>\n        </tr>\n    </table>\n</body>\n</html>'
            ],
            'withdrawalApproved' => [
                'subject' => '✅ Transfer Approved - Funds on the Way! - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n    <meta charset="UTF-8">\n    <meta name="viewport" content="width=device-width, initial-scale=1.0">\n    <title>Transfer Approved</title>\n    <style>\n      @media screen and (max-width: 600px) {\n        .stack { display: block !important; width: 100% !important; padding-left: 0 !important; padding-right: 0 !important; }\n        .pr-16 { padding-right: 0 !important; }\n        .pl-16 { padding-left: 0 !important; }\n      }\n    </style>\n</head>\n<body style="margin: 0; padding: 0; font-family: -apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color: #f5f5f5;">\n    <table width="100%" cellpadding="0" cellspacing="0" style="background-color: #f5f5f5; padding: 40px 20px;">\n        <tr>\n            <td align="center">\n                <table width="600" cellpadding="0" cellspacing="0" style="background-color: #ffffff; border-radius: 16px; overflow: hidden; box-shadow: 0 4px 6px rgba(0,0,0,0.1);">\n                    <tr>\n                        <td style="background: linear-gradient(135deg, #10b981 0%, #059669 100%); padding: 40px; text-align: center;">\n                            <div style="margin-bottom: 8px;">\n                                <img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display: inline-block;" />\n                            </div>\n                            <h1 style="margin: 0; color: #ffffff; font-size: 32px; font-weight: 700;">{{brand_name}}</h1>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td align="center" style="padding: 40px 40px 20px;">\n                            <div style="width: 80px; height: 80px; background: linear-gradient(135deg, #10b981 0%, #34d399 100%); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; box-shadow: 0 8px 20px rgba(16, 185, 129, 0.3);">\n                                <span style="font-size: 40px; color: white;">✓</span>\n                            </div>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="padding: 0 40px 40px;">\n                            <p style="margin: 0 0 8px; color: #666; font-size: 14px;">Dear {{user_name}},</p>\n                            <h3 style="margin: 0 0 4px; color: #065f46; font-size: 18px; font-weight: 700;">Thank you for choosing {{brand_name}}</h3>\n                            <h2 style="margin: 0 16px 16px 0; color: #1a1a2e; font-size: 20px; font-weight: 700;">Below are your transaction details:</h2>\n                            <table width="100%" cellpadding="0" cellspacing="0">\n                              <tr>\n                                <td valign="top" width="65%" style="padding-right:16px;">\n                                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Transfer via {{method}} to {{withdrawal_address}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}}</td></tr>\n                                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Debit</td></tr>\n                                    <tr><td colspan="2" style="padding:0;"><div style="background:#065f46; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                                  </table>\n                                </td>\n                                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                                  <div style="border-left:3px solid #065f46; padding-left:12px;">\n                                    <h4 style="margin:0 0 8px; color:#065f46; font-size:14px;">Important Security and Privacy Information</h4>\n                                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                                  </div>\n                                </td>\n                              </tr>\n                            </table>\n                        </td>\n                    </tr>\n                    <tr>\n                        <td style="background-color: #f8f9fa; padding: 32px 40px; text-align: center; border-top: 1px solid #e0e0e0;">\n                            <p style="margin: 0 0 8px; color: #999; font-size: 14px;">Best regards,</p>\n                            <p style="margin: 0 0 16px; color: #1a1a2e; font-size: 16px; font-weight: 600;">{{brand_name}}</p>\n                            <p style="margin: 0; color: #999; font-size: 12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n                        </td>\n                    </tr>\n                </table>\n            </td>\n        </tr>\n    </table>\n</body>\n</html>'
            ],
            'internalTransferSent' => [
                'subject' => 'Transfer Completed - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Transfer Completed</title>\n  <style> @media screen and (max-width: 600px) { .stack { display:block !important; width:100% !important; padding-left:0 !important; padding-right:0 !important; } .pr-16 { padding-right:0 !important; } .pl-16 { padding-left:0 !important; } } </style>\n</head>\n<body style="margin:0; padding:0; font-family:-apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background-color:#f5f5f5; padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#ffffff; border-radius:16px; overflow:hidden; box-shadow:0 4px 6px rgba(0,0,0,0.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%, #16213e 100%); padding:40px; text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display:inline-block;" /></div>\n            <h1 style="margin:0; color:#fff; font-size:32px; font-weight:700;">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr>\n          <td style="padding:0 40px 40px;">\n            <p style="margin:0 0 8px; color:#666; font-size:14px;">Dear {{user_name}},</p>\n            <h3 style="margin:0 0 4px; color:#c1121f; font-size:18px; font-weight:700;">Thank you for choosing {{brand_name}}</h3>\n            <h2 style="margin:0 16px 16px 0; color:#1a1a2e; font-size:20px; font-weight:700;">Below are your transaction details:</h2>\n            <table width="100%" cellpadding="0" cellspacing="0">\n              <tr>\n                <td class="stack pr-16" valign="top" width="65%" style="padding-right:16px;">\n                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Internal Transfer to {{to_account}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}} {{currency}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Debit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Reference:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">{{reference}}</td></tr>\n                    <tr><td colspan="2" style="padding:0;"><div style="background:#b91c1c; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                  </table>\n                </td>\n                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                  <div style="border-left:3px solid #c1121f; padding-left:12px;">\n                    <h4 style="margin:0 0 8px; color:#c1121f; font-size:14px;">Important Security and Privacy Information</h4>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                  </div>\n                </td>\n              </tr>\n            </table>\n          </td>\n        </tr>\n        <tr>\n          <td style="background:#f8f9fa; padding:32px 40px; text-align:center; border-top:1px solid #e0e0e0;">\n            <p style="margin:0 0 8px; color:#999; font-size:14px;">Best regards,</p>\n            <p style="margin:0 0 16px; color:#1a1a2e; font-size:16px; font-weight:600;">{{brand_name}}</p>\n            <p style="margin:0; color:#999; font-size:12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n          </td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'internalTransferReceived' => [
                'subject' => 'Funds Received - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Funds Received</title>\n  <style> @media screen and (max-width: 600px) { .stack { display:block !important; width:100% !important; padding-left:0 !important; padding-right:0 !important; } .pr-16 { padding-right:0 !important; } .pl-16 { padding-left:0 !important; } } </style>\n</head>\n<body style="margin:0; padding:0; font-family:-apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background-color:#f5f5f5; padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#ffffff; border-radius:16px; overflow:hidden; box-shadow:0 4px 6px rgba(0,0,0,0.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%, #16213e 100%); padding:40px; text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display:inline-block;" /></div>\n            <h1 style="margin:0; color:#fff; font-size:32px; font-weight:700;">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr>\n          <td style="padding:0 40px 40px;">\n            <p style="margin:0 0 8px; color:#666; font-size:14px;">Dear {{user_name}},</p>\n            <h3 style="margin:0 0 4px; color:#c1121f; font-size:18px; font-weight:700;">Thank you for choosing {{brand_name}}</h3>\n            <h2 style="margin:0 16px 16px 0; color:#1a1a2e; font-size:20px; font-weight:700;">Below are your transaction details:</h2>\n            <table width="100%" cellpadding="0" cellspacing="0">\n              <tr>\n                <td class="stack pr-16" valign="top" width="65%" style="padding-right:16px;">\n                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Internal Transfer from {{from_user}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}} {{currency}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Credit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Reference:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">{{reference}}</td></tr>\n                    <tr><td colspan="2" style="padding:0;"><div style="background:#b91c1c; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                  </table>\n                </td>\n                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                  <div style="border-left:3px solid #c1121f; padding-left:12px;">\n                    <h4 style="margin:0 0 8px; color:#c1121f; font-size:14px;">Important Security and Privacy Information</h4>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                  </div>\n                </td>\n              </tr>\n            </table>\n          </td>\n        </tr>\n        <tr>\n          <td style="background:#f8f9fa; padding:32px 40px; text-align:center; border-top:1px solid #e0e0e0;">\n            <p style="margin:0 0 8px; color:#999; font-size:14px;">Best regards,</p>\n            <p style="margin:0 0 16px; color:#1a1a2e; font-size:16px; font-weight:600;">{{brand_name}}</p>\n            <p style="margin:0; color:#999; font-size:12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n          </td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'accountCredited' => [
                'subject' => 'Account Credited - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Account Credited</title>\n  <style> @media screen and (max-width: 600px) { .stack { display:block !important; width:100% !important; padding-left:0 !important; padding-right:0 !important; } .pr-16 { padding-right:0 !important; } .pl-16 { padding-left:0 !important; } } </style>\n</head>\n<body style="margin:0; padding:0; font-family:-apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background:#f5f5f5; padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#ffffff; border-radius:16px; overflow:hidden; box-shadow:0 4px 6px rgba(0,0,0,0.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%, #16213e 100%); padding:40px; text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display:inline-block;" /></div>\n            <h1 style="margin:0; color:#fff; font-size:32px; font-weight:700;">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr>\n          <td style="padding:0 40px 40px;">\n            <p style="margin:0 0 8px; color:#666; font-size:14px;">Dear {{user_name}},</p>\n            <h3 style="margin:0 0 4px; color:#16a34a; font-size:18px; font-weight:700;">Account Credited</h3>\n            <h2 style="margin:0 16px 16px 0; color:#1a1a2e; font-size:20px; font-weight:700;">Below are your transaction details:</h2>\n            <table width="100%" cellpadding="0" cellspacing="0">\n              <tr>\n                <td class="stack pr-16" valign="top" width="65%" style="padding-right:16px;">\n                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Account Credit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}} {{currency}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Credit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Note:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">{{note}}</td></tr>\n                    <tr><td colspan="2" style="padding:0;"><div style="background:#b91c1c; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                  </table>\n                </td>\n                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                  <div style="border-left:3px solid #c1121f; padding-left:12px;">\n                    <h4 style="margin:0 0 8px; color:#c1121f; font-size:14px;">Important Security and Privacy Information</h4>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                  </div>\n                </td>\n              </tr>\n            </table>\n          </td>\n        </tr>\n        <tr>\n          <td style="background:#f8f9fa; padding:32px 40px; text-align:center; border-top:1px solid #e0e0e0;">\n            <p style="margin:0 0 8px; color:#999; font-size:14px;">Best regards,</p>\n            <p style="margin:0 0 16px; color:#1a1a2e; font-size:16px; font-weight:600;">{{brand_name}}</p>\n            <p style="margin:0; color:#999; font-size:12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n          </td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'accountDebited' => [
                'subject' => 'Account Debited - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Account Debited</title>\n  <style> @media screen and (max-width: 600px) { .stack { display:block !important; width:100% !important; padding-left:0 !important; padding-right:0 !important; } .pr-16 { padding-right:0 !important; } .pl-16 { padding-left:0 !important; } } </style>\n</head>\n<body style="margin:0; padding:0; font-family:-apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background-color:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background:#f5f5f5; padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#ffffff; border-radius:16px; overflow:hidden; box-shadow:0 4px 6px rgba(0,0,0,0.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%, #16213e 100%); padding:40px; text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px; display:inline-block;" /></div>\n            <h1 style="margin:0; color:#fff; font-size:32px; font-weight:700;">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr>\n          <td style="padding:0 40px 40px;">\n            <p style="margin:0 0 8px; color:#666; font-size:14px;">Dear {{user_name}},</p>\n            <h3 style="margin:0 0 4px; color:#c1121f; font-size:18px; font-weight:700;">Account Debited</h3>\n            <h2 style="margin:0 16px 16px 0; color:#1a1a2e; font-size:20px; font-weight:700;">Below are your transaction details:</h2>\n            <table width="100%" cellpadding="0" cellspacing="0">\n              <tr>\n                <td class="stack pr-16" valign="top" width="65%" style="padding-right:16px;">\n                  <table width="100%" cellpadding="0" cellspacing="0" style="background:#fafafa; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;">\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Date/Time:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{date}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Account Number:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:600; text-align:right;">{{account_number}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Description:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Account Debit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Amount:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; font-weight:700; text-align:right;">{{amount}} {{currency}}</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Credit/Debit:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">Debit</td></tr>\n                    <tr><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#666; font-size:13px;">Note:</td><td style="padding:10px; border-bottom:1px solid #e5e7eb; color:#111; text-align:right;">{{note}}</td></tr>\n                    <tr><td colspan="2" style="padding:0;"><div style="background:#b91c1c; color:#fff; padding:10px 12px; display:flex; justify-content:space-between;"><span style="font-weight:600;">Available Balance</span><span style="font-weight:700;">{{available_balance}}</span></div></td></tr>\n                  </table>\n                </td>\n                <td class="stack pl-16" valign="top" width="35%" style="padding-left:16px;">\n                  <div style="border-left:3px solid #c1121f; padding-left:12px;">\n                    <h4 style="margin:0 0 8px; color:#c1121f; font-size:14px;">Important Security and Privacy Information</h4>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">We will never ask or direct you to any website that asks for security information.</p>\n                    <p style="margin:0 0 8px; color:#666; font-size:12px; line-height:1.6;">Never disclose your user ID, PINs and passwords, card PANs, security questions and answers to anyone.</p>\n                    <p style="margin:0; color:#666; font-size:12px; line-height:1.6;">If you discover any unauthorized activity on your account, contact us at {{fraud_email}}.</p>\n                  </div>\n                </td>\n              </tr>\n            </table>\n          </td>\n        </tr>\n        <tr>\n          <td style="background:#f8f9fa; padding:32px 40px; text-align:center; border-top:1px solid #e0e0e0;">\n            <p style="margin:0 0 8px; color:#999; font-size:14px;">Best regards,</p>\n            <p style="margin:0 0 16px; color:#1a1a2e; font-size:16px; font-weight:600;">{{brand_name}}</p>\n            <p style="margin:0; color:#999; font-size:12px;">© 2025 {{brand_name}} · {{brand_address}} · {{brand_email}}</p>\n          </td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'loginOtp' => [
                'subject' => 'Your Login Verification Code - {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Login Verification Code</title>\n  <style> @media screen and (max-width: 600px) { .stack { display:block !important; width:100% !important; } } </style>\n</head>\n<body style="margin:0; padding:0; font-family:-apple-system, BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif; background:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background:#f5f5f5; padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#ffffff; border-radius:16px; overflow:hidden; box-shadow:0 4px 6px rgba(0,0,0,0.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%, #16213e 100%); padding:32px; text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:36px; display:inline-block;" /></div>\n            <h1 style="margin:0; color:#fff; font-size:24px; font-weight:700;">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr>\n          <td style="padding:28px 40px 36px;">\n            <p style="margin:0 0 8px; color:#666; font-size:14px;">Dear {{user_name}},</p>\n            <p style="margin:0 0 16px; color:#1a1a2e; font-size:16px;">Use the code below to complete your login. It expires in 60 minutes.</p>\n            <div style="text-align:center; margin:20px 0;">\n              <div style="display:inline-block; padding:12px 20px; border-radius:8px; background:#111827; color:#fff; font-size:24px; letter-spacing:4px; font-weight:800;">{{otp_code}}</div>\n            </div>\n            <p style="margin:0; color:#666; font-size:12px;">If this wasn\'t you, please secure your account immediately.</p>\n          </td>\n        </tr>\n        <tr>\n          <td style="background:#f8f9fa; padding:20px 40px; text-align:center; border-top:1px solid #e5e7eb; color:#999; font-size:12px;">{{brand_name}} &middot; {{brand_email}}</td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'applicationApproved' => [
                'subject' => '&#x1F38A; Application Approved - Welcome to {{brand_name}}',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Application Approved</title>\n  <style>@media screen and (max-width:600px){.stack{display:block!important;width:100%!important}}</style>\n</head>\n<body style="margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif;background:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background:#f5f5f5;padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 6px rgba(0,0,0,.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);padding:40px;text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px;display:inline-block"/></div>\n            <h1 style="margin:0;color:#fff;font-size:32px;font-weight:700">{{brand_name}}</h1>\n          </td>\n        </tr>\n        <tr><td style="padding:32px 40px">\n          <p style="margin:0 0 8px;color:#666;font-size:14px">Dear {{user_name}},</p>\n          <h2 style="margin:0 0 12px;color:#10b981;font-size:22px;font-weight:700">Your application has been approved</h2>\n          <p style="margin:0 0 16px;color:#1a1a2e;font-size:16px;line-height:1.6">You can now sign in and access your account. Below is your account information:</p>\n          <ul style="margin:0 0 16px;color:#1a1a2e;font-size:14px;line-height:1.8;padding-left:18px">\n            <li><strong>Username:</strong> {{username}}</li>\n            <li><strong>Account Number:</strong> {{account_number}}</li>\n            <li><strong>BIC/SWIFT:</strong> {{bic_swift}}</li>\n          </ul>\n          <div style="text-align:center;margin:24px 0">\n            <a href="{{login_link}}" style="display:inline-block;padding:14px 36px;background:linear-gradient(135deg,#E43D30 0%,#ff6b5a 100%);color:#fff;text-decoration:none;border-radius:10px;font-weight:700;box-shadow:0 6px 18px rgba(228,61,48,.35)">Access Dashboard</a>\n          </div>\n          <p style="margin:0;color:#666;font-size:12px">Keep your account number and BIC/SWIFT secure. Do not share them publicly.</p>\n        </td></tr>\n        <tr>\n          <td style="background:#f8f9fa;padding:24px 40px;border-top:1px solid #e5e7eb;color:#6b7280;font-size:12px;text-align:center">\n            &copy; 2025 {{brand_name}} &middot; {{brand_address}} &middot; {{brand_email}}\n          </td>\n        </tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
            'withdrawalPinPending' => [
                'subject' => 'Action Required - Withdrawal PIN',
                'body' => '<!DOCTYPE html>\n<html>\n<head>\n  <meta charset="UTF-8">\n  <meta name="viewport" content="width=device-width, initial-scale=1.0">\n  <title>Pending Withdrawal Alert</title>\n  <style>@media screen and (max-width:600px){.stack{display:block!important;width:100%!important}}</style>\n</head>\n<body style="margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont, \'Segoe UI\', Roboto, \'Helvetica Neue\', Arial, sans-serif;background:#f5f5f5;">\n  <table width="100%" cellpadding="0" cellspacing="0" style="background:#f5f5f5;padding:40px 20px;">\n    <tr><td align="center">\n      <table width="600" cellpadding="0" cellspacing="0" style="background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 6px rgba(0,0,0,.1);">\n        <tr>\n          <td style="background:linear-gradient(135deg,#E43D30 0%,#ff6b5a 100%);padding:40px;text-align:center;">\n            <div style="margin-bottom:8px;"><img src="{{brand_logo_url}}" alt="{{brand_name}}" style="max-height:40px;display:inline-block"/></div>\n            <h1 style="margin:0;color:#fff;font-size:28px;font-weight:800;letter-spacing:.2px">Pending Alert</h1>\n          </td>\n        </tr>\n        <tr><td style="padding:28px 40px 8px">\n          <p style="margin:0 0 8px;color:#666;font-size:14px">Date/Time: <strong>{{date}}</strong></p>\n          <p style="margin:0 0 8px;color:#666;font-size:14px">Dear {{user_name}},</p>\n          <h2 style="margin:6px 0 12px;color:#1a1a2e;font-size:20px;font-weight:700">Pending withdrawal alert of <span style="color:#c1121f">{{amount}} {{currency}}</span></h2>\n          <div style="background:#fff3f3;border:1px solid #fecaca;border-radius:12px;padding:16px;margin:12px 0 20px">\n            <p style="margin:0;color:#991b1b;font-size:14px"><strong>Restriction:</strong> <span style="color:#b91c1c">{{pin_name}}</span> requested</p>\n          </div>\n          <table width="100%" cellpadding="0" cellspacing="0" style="margin:8px 0 16px">\n            <tr>\n              <td class="stack" width="50%" valign="top" style="padding-right:12px">\n                <div style="background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:12px;">\n                  <h3 style="margin:0 0 8px;color:#0f172a;font-size:14px">Destination</h3>\n                  <p style="margin:0;color:#334155;font-size:13px"><strong>Name:</strong> {{destination_name}}</p>\n                  <p style="margin:6px 0 0;color:#334155;font-size:13px"><strong>Address/Account:</strong> {{withdrawal_address}}</p>\n                </div>\n              </td>\n              <td class="stack" width="50%" valign="top" style="padding-left:12px">\n                <div style="background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:12px;">\n                  <h3 style="margin:0 0 8px;color:#0f172a;font-size:14px">Transfer Details</h3>\n                  <p style="margin:0;color:#334155;font-size:13px"><strong>Currency:</strong> {{currency}}</p>\n                  <p style="margin:6px 0 0;color:#334155;font-size:13px"><strong>Account #:</strong> {{account_number}}</p>\n                  <p style="margin:6px 0 0;color:#334155;font-size:13px"><strong>Bank:</strong> {{bank_name}}</p>\n                </div>\n              </td>\n            </tr>\n          </table>\n          <div style="text-align:center;margin:20px 0 8px">\n            <a href="{{prefilled_link}}" style="display:inline-block;padding:14px 36px;background:#c1121f;color:#fff;text-decoration:none;border-radius:10px;font-weight:700">Continue Transfer</a>\n          </div>\n          <p style="margin:16px 0 0;color:#666;font-size:13px">Thank you for choosing {{brand_name}}</p>\n        </td></tr>\n        <tr><td style="background:#f8f9fa;padding:20px 40px;text-align:center;border-top:1px solid #e5e7eb;color:#999;font-size:12px">{{brand_name}} &middot; {{brand_email}}</td></tr>\n      </table>\n    </td></tr>\n  </table>\n</body>\n</html>'
            ],
        ];
    }
}
