// Insight Flow Screens — product use-cases under Life Planning / Spending / Insurance
// Principles (same as insight_details.jsx): informational, never prescriptive.
// One accent. No endorsement language ("best", "recommended"). Explain the "why".
// ── Primitives (local copies, kept visually identical to insight_details.jsx) ──
function FlowHeroCard({ theme, children }) {
const midnight = theme?.label === 'Midnight';
return (
{children}
);
}
function FlowHighlight({ theme, accent, children }) {
const midnight = theme?.label === 'Midnight';
return (
{children}
);
}
function FlowCard({ theme, label, children }) {
const midnight = theme?.label === 'Midnight';
return (
{label && (
{label}
)}
{children}
);
}
function FlowRow({ theme, accent, label, value, highlight, last }) {
return (
{label}{value}
);
}
// name (+ optional sub) on the left, value on the right — for comparison tables
function FlowOptionRow({ theme, accent, name, sub, value, valueSub, tag, last }) {
return (
{name}
{tag && (
{tag}
)}
{sub &&
{sub}
}
{value}
{valueSub &&
{valueSub}
}
);
}
// bullet (dot/check) + text — for "what it covers" lists
function FlowBullet({ theme, accent, title, sub, last }) {
return (
{title}
{sub &&
{sub}
}
);
}
// numbered step
function FlowStep({ theme, accent, n, title, sub, last }) {
return (
{n}
{!last && }
{title}
{sub &&
{sub}
}
);
}
// coverage map row — status pill + label + detail
function FlowCoverRow({ theme, accent, label, detail, covered, last }) {
return (
{covered
?
: }
{label}
{detail}
{covered ? 'Covered' : 'Gap'}
);
}
// two-stat highlight body
function FlowTwoStat({ theme, accent, leftLabel, leftValue, rightLabel, rightValue }) {
return (
{leftLabel}
{leftValue}
{rightLabel}
{rightValue}
);
}
// "What this means" / "Why it matters" paragraph card
function FlowMeaning({ theme, label, children }) {
return (
{ESTATE_OPTIONS.map((o, i) => {
const Icon = Ico[o.icon] || Ico.doc;
const sel = i === opt;
return (
);
})}
{/* time slots */}
{option.slots && (
Pick a time
{ESTATE_SLOTS.map((s, i) => (
))}
)}
{/* reassurance */}
Free intro, no obligation · confirmed by email within 24h
{/* confirm */}
);
}
function EstateIntroScreen({ theme, accent, onBack, onAskHimma }) {
const midnight = theme?.label === 'Midnight';
const [activePro, setActivePro] = React.useState(null);
const [toast, setToast] = React.useState('');
const helps = [
{ title:'Drafting & registering a will', sub:'DIFC Wills or local courts (ADJD)' },
{ title:'Guardianship for minors', sub:'Who cares for children if both parents pass' },
{ title:'Business & asset succession', sub:'Meraki Media, property and investments' },
{ title:'Power of attorney', sub:'Healthcare and financial directives' },
];
const handleConfirm = (msg) => {
setActivePro(null);
setToast(msg);
setTimeout(() => setToast(''), 3000);
};
return (
Without a registered will, UAE courts distribute your assets under default succession rules, which may not match your wishes. Accounts can be frozen until the court rules, leaving dependents without access to funds.
{helps.map((h, i) => (
))}
{/* Who's available */}
{today.map((r, i) => (
))}
{repriced.map((r, i) => (
))}
Mortgage rates move, but lenders rarely lower yours automatically. Repricing with your bank or refinancing elsewhere can cut the rate. Weigh the saving against early-settlement (~1%) and new processing fees.
Highest rate first: the card's 39.9% costs the most per dirham.
{debts.map((d, i) => (
))}
Paying the highest-APR balance first (the "avalanche" method) cuts the most interest per dirham. Consolidating high-rate debt into a single lower-rate facility can also reduce the total, as long as the fees don't outweigh it.
);
}
// ─── FX spend and commissions lost ────────────────────────────────────────────
function FxLeakageScreen({ theme, accent, onBack, onAskHimma }) {
const sources = [
{ name:'Foreign card spend', sub:'AED 36,000 at ~3.5% markup', value:'AED 1,260' },
{ name:'Brokerage USD FX', sub:'AED 60,000 at ~1.4% spread', value:'AED 840' },
{ name:'International transfers', sub:'AED 9,000 at ~0.9%', value:'AED 80' },
];
return (
{sources.map((s, i) => (
))}
Banks typically add 2–4% on foreign-currency card spend, and brokers add a spread when converting to USD. Multi-currency accounts and specialist FX services charge a fraction of that.
{calc.map((r, i) => (
))}
{policies.map((p, i) => (
))}
Term life pays a lump sum if you pass away during the term. Premiums are lowest while you're young and healthy.
);
}
// ─── Disability insurance finder ──────────────────────────────────────────────
function DisabilityInsuranceScreen({ theme, accent, onBack, onAskHimma }) {
const types = [
{ title:'Short-term', sub:'Illness or injury · weeks to months' },
{ title:'Long-term', sub:'Lasting disability · through to retirement' },
];
const sized = [
{ label:'60% of income', value:'AED 14,880/mo' },
{ label:'Typical premium', value:'AED 95–180/mo' },
];
return (
{types.map((t, i) => (
))}
{sized.map((r, i) => (
))}
Your ability to earn is your largest financial asset. Most households overlook this cover because employer plans are limited, and end with the job.
);
}
// ─── Legal insurance finder ───────────────────────────────────────────────────
function LegalInsuranceScreen({ theme, accent, onBack, onAskHimma }) {
const when = [
{ title:'Contract & lease reviews' },
{ title:'Employment or business disputes', sub:'Useful if you run Meraki Media' },
{ title:'Tenancy & consumer issues' },
{ title:'Wills & power of attorney' },
];
const tiers = [
{ name:'Essentials', sub:'Document review + helpline', value:'AED 40', valueSub:'per month' },
{ name:'Standard', sub:'+ legal representation', value:'AED 85', valueSub:'per month' },
{ name:'Family', sub:'+ dependents & property', value:'AED 130', valueSub:'per month' },
];
return (
{when.map((w, i) => (
))}
{tiers.map((t, i) => (
))}
Legal plans swap unpredictable hourly fees for a flat monthly cost. They're most useful if you sign contracts regularly or run a business, where a quick review can prevent an expensive dispute.
Building cover ≠ contents. Your belongings need their own policy.
{includes.map((c, i) => (
))}
{options.map((o, i) => (
))}
Contents cover is inexpensive relative to what it protects. High-value items like watches and jewellery often sit above a standard per-item limit, so they're worth listing separately, known as "scheduling".
{policy.map((r, i) => (
))}
{market.map((m, i) => (
))}
Premiums often fall at renewal once you have a clean claims record, but loyalty pricing can creep up year on year. Comparing before the auto-renewal date keeps you on a fair rate.