"""R05独立标准库复算。所有金额为构造值，输出到本文件同目录。"""
from calendar import monthrange
from datetime import date
from decimal import Decimal, ROUND_HALF_UP
from pathlib import Path
from collections import defaultdict
import json
D=Decimal
CENT=D('0.01')
LIMIT=D('1000000000000')
def money(x):
    n=D(str(x))
    if not n.is_finite() or abs(n)>LIMIT: raise ValueError('金额越限')
    return n.quantize(CENT,rounding=ROUND_HALF_UP)
def add_months(origin,months,anchor=None):
    origin=date.fromisoformat(origin) if isinstance(origin,str) else origin
    total=origin.year*12+origin.month-1+months
    y,m=divmod(total,12);m+=1
    return date(y,m,min(anchor or origin.day,monthrange(y,m)[1]))
def cert(name,start,principal,months,rates,mode='stop',cycles=1,bank='教学甲行',person='甲',interest_override=None):
    return dict(name=name,start=start,principal=str(principal),months=months,rates=[str(v) for v in rates],mode=mode,cycles=cycles,bank=bank,person=person,interest_override=interest_override)
def events(items):
    assert len(items)<=60
    out=[]
    initial_total=money(sum((money(c['principal']) for c in items),D(0)))
    for c in items:
        p=money(c['principal']);origin=date.fromisoformat(c['start'])
        for i in range(c['cycles']):
            end=add_months(origin,c['months']*(i+1))
            assert end<=add_months(origin,120)
            rate=D(c['rates'][min(i,len(c['rates'])-1)])
            interest=money(p*rate*D(c['months'])/12)
            source='声明单利估算'
            if c['interest_override'] is not None and i==0:
                interest=money(c['interest_override']);source='构造已确认合同覆盖'
            gross=money(p+interest)
            renew=i<c['cycles']-1
            reinvest=(gross if c['mode']=='both' else p) if renew else money(0)
            cash=money(gross-reinvest)
            out.append(dict(id=c['name'],start=(origin if i==0 else add_months(origin,c['months']*i)).isoformat(),date=end.isoformat(),principal=p,rate=rate,months=c['months'],interest=interest,interest_source=source,renewed=reinvest,cash=cash,bank=c['bank'],person=c['person']))
            p=reinvest
    out.sort(key=lambda x:(x['date'],x['id']))
    assert len(out)<=1200
    for key in ['principal','interest','cash','renewed']:
        money(sum((e[key] for e in out),D(0)))
    assert sum((money(c['principal']) for c in items),D(0))+sum((e['interest'] for e in out),D(0))==sum((e['cash'] for e in out),D(0))
    return out

def monthly(es,start,end):
    cur=date.fromisoformat(start);last=date.fromisoformat(end);out=[];cash=D(0);interest=D(0)
    while cur<=last:
        prefix=cur.isoformat()[:7];rows=[e for e in es if e['date'].startswith(prefix)]
        inc=sum((e['cash'] for e in rows),D(0));gain=sum((e['interest'] for e in rows),D(0));cash+=inc;interest+=gain
        out.append(dict(month=prefix,maturity_count=len(rows),cash=money(inc),interest=money(gain),cumulative_cash=money(cash),cumulative_interest=money(interest)))
        cur=add_months(cur,1)
    return out

def table(headers,rows):
    def f(v):return format(v,'.2f') if isinstance(v,D) else str(v)
    return '\n'.join(['| '+' | '.join(headers)+' |','| '+' | '.join(['---']*len(headers))+' |']+['| '+' | '.join(map(f,r))+' |' for r in rows])
def pack(inputs,es,tables,**extra):return dict(inputs=inputs,events=es,tables=tables,**extra)
def run():
    out={}
    cs=[cert('月'+str(m),'2026-%02d-15'%m,3000,12,['0.018']) for m in range(1,13)];es=events(cs);ms=monthly(es,'2026-01-01','2027-12-01')
    t=table(['月份','新存本金元','到期张数','到期本息元','累计到期现金元'],[(x['month'],money(3000 if x['month']<'2027' else 0),x['maturity_count'],x['cash'],x['cumulative_cash']) for x in ms])
    out['DJ2-037']=pack(cs,es,[t],monthly=ms,total_principal=money(36000),total_interest=money(648))
    cs=[cert('A','2026-10-15',18000,3,['0.012']),cert('B','2026-10-15',27000,6,['0.016']),cert('C','2026-10-15',15000,12,['0.02'])];es=events(cs)
    needs=[money(18000),money(27000),money(15000)];equal=[money(20000)*(1+e['rate']*D(e['months'])/12) for e in es]
    t=table(['存单','存入日','存期月','本金元','构造年率','到期日','本息元','对应支出元','单节点余量元'],[(e['id'],e['start'],e['months'],e['principal'],str(e['rate']*100)+'%',e['date'],e['cash'],n,e['cash']-n) for e,n in zip(es,needs)])
    t2=table(['付款日','等额方案到期元','承接上次余款元','支出元','支付后预算余额元'],[('2027-01-20',money(equal[0]),money(0),needs[0],money(equal[0]-needs[0])),('2027-04-20',money(equal[1]),money(equal[0]-needs[0]),needs[1],money(sum(equal[:2])-sum(needs[:2]))),('2027-10-20',money(equal[2]),money(sum(equal[:2])-sum(needs[:2])),needs[2],money(sum(equal)-sum(needs)))])
    out['DJ2-038']=pack(cs,es,[t,t2],needs=needs,equal_principals=[20000]*3,monthly=monthly(es,'2026-10-01','2027-10-01'))
    cs=[cert('A','2026-10-10',20000,3,['0.015']),cert('B','2026-11-15',20000,3,['0.015']),cert('C','2026-09-01',20000,6,['0.018'])];es=events(cs);target='2027-03-20'
    t=table(['存单','本次到期日','本次本息元','续存同期限后到期','目标付款日','本例安排'],[(e['id'],e['date'],e['cash'],add_months(date.fromisoformat(e['start']),e['months']*2).isoformat(),target,'停止续存') for e in es])
    out['DJ2-039']=pack(cs,es,[t],target=target,need=money(55000),cash=money(sum(e['cash'] for e in es)),surplus=money(sum(e['cash'] for e in es)-55000),monthly=monthly(es,'2026-10-01','2027-03-01'))
    cs=[cert('A','2026-10-15',20000,6,['0.02','0.016','0.012'],'both',3),cert('B','2026-12-15',30000,3,['0.018','0.015','0.012','0.01'],'principal',4)];es=events(cs)
    t=table(['存单','到期日','本段本金元','构造年率','本段利息元','续存元','转现金元'],[(e['id'],e['date'],e['principal'],str(e['rate']*100)+'%',e['interest'],e['renewed'],e['cash']) for e in es])
    yrs=[]
    for y in ['2027','2028']:
        a=[e for e in es if e['date'].startswith(y)];yrs.append((y,money(sum(e['interest'] for e in a)),money(sum(e['cash'] for e in a))))
    out['DJ2-040']=pack(cs,es,[t,table(['年份','到期实现利息元','转可用现金元'],yrs)],yearly=yrs,total_interest=money(sum(e['interest'] for e in es)),total_cash=money(sum(e['cash'] for e in es)),monthly=monthly(es,'2026-10-01','2028-04-01'))
    assert out['DJ2-040']['total_interest']==D('896.27')
    cs=[cert('31号锚','2027-01-31',12000,1,['0.012'],'principal',4),cert('30号锚','2027-01-30',12000,1,['0.012'],'principal',4),cert('闰年31号锚','2028-01-31',12000,1,['0.012'],'principal',4)];es=events(cs)
    rows=[]
    for c in cs:
        prior=date.fromisoformat(c['start']);naive=prior
        for i in range(1,5):
            naive=add_months(naive,1)
            anchored=add_months(c['start'],i)
            month_end=date(anchored.year,anchored.month,monthrange(anchored.year,anchored.month)[1])
            rows.append((c['name'],i,anchored.isoformat(),month_end.isoformat(),naive.isoformat(),money(12)))
    out['DJ2-041']=pack(cs,es,[table(['样本','第几次到期','保留原日号的模型日期','独立每次取月末对照','错误沿截断日滚动','每段估算利息元'],rows)],monthly=monthly(es,'2027-01-01','2028-05-01'))
    cs=[cert('A','2026-10-05',12000,6,['0.02']),cert('B','2027-01-12',18000,3,['0.016']),cert('C','2026-10-28',10000,6,['0.02'])];es=events(cs)
    opening=money(3000);need=money(35000);before_due=money(opening+sum(e['cash'] for e in es if e['date']<='2027-04-20'));all_available=money(opening+sum(e['cash'] for e in es))
    t=table(['日期','事件','现金增加元','累计可付元','对35000元需求的缺口元'],[('2027-04-01','期初现金',opening,opening,need-opening),(es[0]['date'],'A到期',es[0]['cash'],opening+es[0]['cash'],need-opening-es[0]['cash']),(es[1]['date'],'B到期',es[1]['cash'],before_due,need-before_due),('2027-04-20','付款前检查',money(0),before_due,need-before_due),(es[2]['date'],'C到期但已迟',es[2]['cash'],all_available,max(money(0),need-all_available))])
    assert before_due==D('33192') and need-before_due==D('1808') and all_available==D('43292')
    out['DJ2-042']=pack(cs,es,[t],opening_cash=money(3000),need=money(35000),due='2027-04-20',monthly=monthly(es,'2026-10-01','2027-04-01'))
    cs=[cert('一年','2026-10-15',20000,12,['0.015']),cert('两年','2026-10-15',20000,24,['0.018']),cert('三年','2026-10-15',20000,36,['0.02'])];es=events(cs)
    t=table(['存单','本金元','构造年率','存期月','到期日','全存期利息元'],[(e['id'],e['principal'],str(e['rate']*100)+'%',e['months'],e['date'],e['interest']) for e in es])
    cumulative=D(0);observation_rows=[];initial=sum(D(c['principal']) for c in cs)
    for e in es:
        cumulative+=e['interest']
        observation_rows.append((e['date'],e['interest'],money(cumulative),format(cumulative/initial*100,'.2f')+'%'))
    t2=table(['观察截至','该观察年到账利息元','从起点累计到账利息元','累计占初始60000元'],observation_rows)
    out['DJ2-043']=pack(cs,es,[t,t2],wrong_annual_label='3.70%',monthly=monthly(es,'2026-10-01','2029-10-01'))
    cs=[cert('甲1','2026-04-15',200000,12,['0.018'],bank='教学甲行',person='甲'),cert('甲2','2026-07-15',150000,12,['0.016'],bank='教学甲行',person='甲'),cert('乙1','2026-01-15',120000,12,['0.02'],bank='教学乙行',person='甲'),cert('配偶1','2026-04-15',100000,12,['0.018'],bank='教学甲行',person='乙')];es=events(cs)
    accr_months=[6,3,9,6]
    accr=[money(D(c['principal'])*D(c['rates'][0])*m/12) for c,m in zip(cs,accr_months)]
    t=table(['存单','存款人','机构归组','存入日','本金元','已满月数','构造年率','模型应计利息元','到期日'],[(c['name'],c['person'],c['bank'],c['start'],money(c['principal']),m,str(D(c['rates'][0])*100)+'%',a,add_months(c['start'],12).isoformat()) for c,m,a in zip(cs,[6,3,9,6],accr)])
    groups={}
    for row,a in zip(cs,accr):
        key=(row['person'],row['bank'])
        principal,interest=groups.get(key,(D(0),D(0)))
        groups[key]=(principal+D(row['principal']),interest+a)
    t2=table(['存款人','机构','本金合计元','应计合计元','本金加应计元'],[(person,bank,money(principal),money(interest),money(principal+interest)) for (person,bank),(principal,interest) in groups.items()])
    assert sum(x[0] for x in groups.values())==D(570000)
    assert sum(x[1] for x in groups.values())==D(5100)
    out['DJ2-044']=pack(cs,es,[t,t2],as_of='2026-10-15',accrued=accr,monthly=monthly(es,'2026-10-01','2027-07-01'))
    cs=[cert('首段','2026-10-15',50000,6,['0.018'])];first=events(cs)[0]
    cs.append(cert('新段','2027-06-15',first['cash'],6,['0.012']));es=events(cs);last=es[1]
    gap_days=(date.fromisoformat(last['start'])-date.fromisoformat(first['date'])).days
    gap_interest=money(first['cash']*D('0.001')*gap_days/365)
    new_principal=money(first['cash']+gap_interest)
    second_interest=money(new_principal*D(cs[1]['rates'][0])*cs[1]['months']/12)
    t=table(['阶段','起日','止日','计息本金元','构造年率','期限','利息元','段末资金元'],[('原定期',first['start'],first['date'],first['principal'],'1.8%','6个月',first['interest'],first['cash']),('等待现金',first['date'],last['start'],first['cash'],'0%',str(gap_days)+'天',money(0),first['cash']),('重新存入',last['start'],last['date'],last['principal'],'1.2%','6个月',last['interest'],last['cash'])])
    t2=table(['等待段独立假设','等待利息元','新段本金元','新段利息元','末期总额元'],[('不计收益',money(0),last['principal'],last['interest'],last['cash']),('0.1%实际日/365',gap_interest,new_principal,second_interest,money(new_principal+second_interest))])
    ledger=[dict(date=first['start'],event='外部本金转旧定期',external=first['principal'],cash=money(0),deposit=first['principal']),dict(date=first['date'],event='旧段到期转现金',external=money(0),cash=first['cash'],deposit=money(0)),dict(date=last['start'],event='现金内部转新定期',external=money(0),cash=money(0),deposit=last['principal']),dict(date=last['date'],event='新段到期转现金',external=money(0),cash=last['cash'],deposit=money(0))]
    out['DJ2-045']=pack(cs,es,[t,t2],gap_days=gap_days,external_model='等待段日息仅文内独立扩展，不是T04功能',standalone_event_boundary='两段分别计息；第二段输入本金为内部再投入，不是家庭新增本金；月表cash仅列各次到期释放额，不是家庭现金余额，完整余额见household_ledger',household_ledger=ledger,external_principal=first['principal'],total_interest=money(first['interest']+last['interest']),waiting_scenario=dict(annual_rate='0.001',basis=365,days=gap_days,interest=gap_interest,new_principal=new_principal,new_interest=second_interest,final=money(new_principal+second_interest)),monthly=monthly(es,'2026-10-01','2027-12-01'))
    assert ledger[-1]['cash']==D(50000)+out['DJ2-045']['total_interest']
    assert gap_days==61 and gap_interest==D('8.43') and second_interest==D('302.75')
    assert add_months('2027-01-31',2)==date(2027,3,31)
    assert add_months('2028-01-31',1)==date(2028,2,29)
    assert add_months('2028-01-31',2)==date(2028,3,31)
    zero=events([cert('零息','2026-01-31',10000,1,['0'],'both',4)])
    assert sum(e['interest'] for e in zero)==0 and sum(e['cash'] for e in zero)==10000
    assert all(e['principal']+e['interest']==e['renewed']+e['cash'] for row in out.values() for e in row['events'])
    try:
        money('1000000000000.01')
    except ValueError:
        pass
    else:
        raise AssertionError('越限必须拒绝')
    override=events([cert('合同覆盖','2026-01-15',10000,12,['0.01'],interest_override='123.45')])
    assert override[0]['interest']==D('123.45') and override[0]['cash']==D('10123.45')
    assert set(out)=={'DJ2-%03d'%i for i in range(37,46)}
    return out

def enc(x):
    if isinstance(x,D):return format(x,'f')
    raise TypeError(type(x).__name__)
if __name__=='__main__':
    target=Path(__file__).with_suffix('.json')
    target.write_text(json.dumps(run(),ensure_ascii=False,indent=2,default=enc)+'\n',encoding='utf-8')
    print('R05九篇复算完成；金额到分、零息、现金本金守恒及闰年锚点断言通过。')