"""RW-007 研判必须复核第十五条豁免额度（`docs/25` 第七节 #2）。

政策原文（`knowledge/policy/个人投资者适当性管理指南.md:334-341`）：

- C3 买 R4：签署《产品风险超越投资者风险承受能力揭示书》后**可买**，但单只 R4 持仓
  不超过总资产 **20%**；
- C4 买 R5：同理，上限 **10%**。

也就是说越级购买本身不是违规，**超出额度**才是。原先 `_assess_rw007` 只看留痕：
只要揭示书、二次确认、录音都齐，就判"疑似误报" —— 而这三样恰恰是豁免的**前提条件**，
把前提当成结论，于是"签了字但买超了额度"被静默放过。

数据缺失的情况单独处理：额度要靠总资产与持仓快照才能核算，本项目的画像与持仓由上游
流程写入（实测 `total_asset` 全为 0、`fin_holding` 为空），既不能默认"没超"判误报，
也不能默认"超了"判风险 —— 那会把豁免规则变成新的误报源。
"""

from typing import Any

from app.service.risk_judgement_service import (
    VERDICT_CONTINUE_REVIEW,
    VERDICT_RISK_SUPPORTED,
    VERDICT_SUSPECTED_FALSE_POSITIVE,
    _assess_rw007,
)

COMPLETE_WORK_ORDER: dict[str, Any] = {
    "risk_disclosure_ack_at": "2026-09-01T00:00:00",
    "second_confirmation_at": "2026-09-01T00:00:00",
    "recording_reference": "REC-1",
}

REQUIRING_PRODUCT: dict[str, Any] = {
    "risk_level": "R4",
    "risk_disclosure_required": True,
    "second_confirmation_required": True,
    "recording_required": True,
}


def _detail(
    snapshot: dict[str, Any],
    *,
    work_order: dict[str, Any] | None = None,
    investor_type: str = "C3",
) -> dict[str, Any]:
    """一条 C3→R4（相差 1 级、属豁免情形）的 RW-007 详情。"""
    return {
        "customer": {"investor_type": investor_type},
        "product": dict(REQUIRING_PRODUCT),
        "work_order": dict(COMPLETE_WORK_ORDER if work_order is None else work_order),
        "evidence_snapshot": snapshot,
    }


def test_limit_breach_is_risk_supported_even_with_complete_trace() -> None:
    """这是本次补上的判断：留痕齐全 ≠ 豁免成立，额度超了就是违规。"""
    result = _assess_rw007(
        _detail({"exemption_limit": "0.20", "exemption_ratio": "0.35"})
    )

    assert VERDICT_RISK_SUPPORTED in str(result)
    assert "35.00%" in str(result)
    assert "20%" in str(result)


def test_within_limit_with_complete_trace_is_a_false_positive() -> None:
    result = _assess_rw007(
        _detail({"exemption_limit": "0.20", "exemption_ratio": "0.10"})
    )

    assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)


def test_exact_limit_is_not_a_breach() -> None:
    """政策写的是"不超过"，恰好等于上限属于合规。"""
    result = _assess_rw007(
        _detail({"exemption_limit": "0.20", "exemption_ratio": "0.2"})
    )

    assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)


def test_missing_snapshot_data_asks_for_manual_review() -> None:
    """额度核算不出结果时，既不判误报也不判风险。"""
    result = _assess_rw007(
        _detail(
            {
                "exemption_limit": "0.20",
                "exemption_ratio": None,
                "exemption_data_missing": True,
            }
        )
    )

    assert VERDICT_CONTINUE_REVIEW in str(result)
    assert "总资产" in str(result)


def test_missing_trace_still_outranks_the_exemption_path() -> None:
    """留痕不完整仍然直接判风险 —— 豁免的**前提**没满足，谈额度没有意义。"""
    result = _assess_rw007(
        _detail(
            {"exemption_limit": "0.20", "exemption_ratio": "0.01"},
            work_order={},
        )
    )

    assert VERDICT_RISK_SUPPORTED in str(result)
    assert "缺少交易留痕" in str(result)


def test_pairs_outside_the_exemption_table_keep_the_old_behaviour() -> None:
    """C2→R5 不属豁免情形，快照里也不会有额度字段：行为必须与改动前一致。"""
    result = _assess_rw007(_detail({}, investor_type="C2"))

    assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)