README.md

const bot = { userInvestment: 0, planDuration: 3, // Default to 3 months currentKIBOR: 10, // Example KIBOR rate (10% for now) userName: '', userAge: 0, userCity: '', additionalTopUp: 0, topUpPerMonth: 0,

responses: { greeting: "Hello! Welcome to PakQatar Takaful. How can I assist you today?", quickReplies: [ { text: "I want to calculate my investment" }, { text: "What is the minimum investment?" }, { text: "Show me some options for investment amounts" } ], request_details: "Please provide your name, age, and city in the format: Name, Age, City (e.g., John, 30, Karachi).", request_investment: "Thank you for the details! Now, please tell me how much you would like to invest (minimum 50,000 PKR).", request_duration: "Please choose a duration for your investment. Here are some options: 5 months, 1 year, 2 years, 3 years, 5 years.", invalid_input: "Sorry, I didn't quite understand that. Please try again.", investment_options: [ { amount: 50000, label: "50,000 PKR" }, { amount: 100000, label: "100,000 PKR" }, { amount: 150000, label: "150,000 PKR" }, { amount: 200000, label: "200,000 PKR" } ], top_up_prompt: "Would you like to top up your investment? You can add one of the following amounts per month:\n- 1,000 PKR\n- 5,000 PKR\n- 10,000 PKR\n- 20,000 PKR", top_up_options: [1000, 5000, 10000, 20000], top_up_applied: function(topUpAmount, duration) { return You have successfully applied a top-up of ${topUpAmount} PKR per month for a duration of ${duration} months. Your total investment will be updated accordingly.; }, coverage_calculation: function() { if (this.userInvestment <= 0 || this.planDuration <= 0) { return "There seems to be an issue with your investment or duration. Please try again."; }

  let totalInvestment = this.userInvestment + (this.topUpPerMonth * this.planDuration);
  let profit = (totalInvestment * this.currentKIBOR) / 100;
  totalInvestment += profit;

  let naturalDeathCoverage = Math.min(totalInvestment * 3, 15000000); // 3x investment, capped at 15 million
  let accidentalDeathCoverage = Math.min(totalInvestment * 6, 30000000); // 6x investment, capped at 30 million

  return `
  **Customer Details:**
  - **Name**: ${this.userName}
  - **Age**: ${this.userAge}
  - **City**: ${this.userCity}
  
  **Investment Breakdown:**
  - **Total Investment (with profit)**: ${totalInvestment.toFixed(2)} PKR
  - **Natural Death Coverage**: ${naturalDeathCoverage.toFixed(2)} PKR
  - **Accidental Death Coverage**: ${accidentalDeathCoverage.toFixed(2)} PKR
  - **Duration**: ${this.planDuration} months

  Your investment has been successfully calculated.
  `;
}

},

getResponse: async function(query) { query = query.trim().toLowerCase();

// Start: Check if user's details are missing
if (!this.userName) {
  return {
    action: 'send_message',
    message: {
      type: 'text',
      text: this.responses.greeting,
      quick_replies: this.responses.quickReplies
    }
  };
}

// Collecting user's details
if (this.userName && this.userAge === 0 && this.userCity === '') {
  const details = query.split(",");
  if (details.length === 3) {
    this.userName = details[0].trim();
    this.userAge = parseInt(details[1].trim());
    this.userCity = details[2].trim();
    return this.responses.request_investment;
  } else {
    return "Please provide your details in the format: Name, Age, City (e.g., John, 30, Karachi).";
  }
}

// Collecting investment amount
if (this.userInvestment === 0) {
  let investment = parseInt(query);
  if (isNaN(investment) || investment < 50000) {
    return "The minimum investment amount is 50,000 PKR. Please provide a valid amount.";
  }
  this.userInvestment = investment;
  return this.responses.request_duration;
}

// Collecting duration
if (this.planDuration === 3 && query) {
  let durationOption = this.responses.duration_options?.find(option => query.includes(option.title.toLowerCase()));
  if (durationOption) {
    this.planDuration = durationOption.value;

    // Investment breakdown
    const coverageDetails = this.responses.coverage_calculation();

    return {
      action: 'send_message',
      message: {
        type: 'success',
        text: coverageDetails + `\n\n${this.responses.top_up_prompt}`
      }
    };
  } else {
    return "Sorry, I didn't quite understand that duration. Please choose from the following: 5 months, 1 year, 2 years, 3 years, 5 years.";
  }
}

// Handling Top-up Option
if (this.additionalTopUp === 0) {
  let topUpAmount = parseInt(query);
  if (this.responses.top_up_options.includes(topUpAmount)) {
    this.topUpPerMonth = topUpAmount;

    // Applying top-up
    const topUpMessage = this.responses.top_up_applied(topUpAmount, this.planDuration);
    const updatedCoverageDetails = this.responses.coverage_calculation();

    return {
      action: 'send_message',
      message: {
        type: 'success',
        text: `${topUpMessage}\n\n${updatedCoverageDetails}`
      }
    };
  } else {
    return this.responses.top_up_prompt;
  }
}

// Default Fallback (in case no valid flow is matched)
return {
  action: 'send_message',
  message: {
    type: 'text',
    text: "Sorry, I didn't understand that. Can you please try again?"
  }
};

} };

// Example Flow: User queries console.log(bot.getResponse("Hello")); // Bot greets the user console.log(bot.getResponse("Mansoor, 19, Lahore")); // User provides details console.log(bot.getResponse("110000")); // User provides investment amount console.log(bot.getResponse("1 year")); // User selects the duration (1 year) console.log(bot.getResponse("5000")); // User opts for a top-up of 5000 PKR