// i18n.jsx — translation dictionary for ID / EN
const I18N = {
  id: {
    // nav
    nav_home: "Dashboard",
    nav_calc: "Kalkulator Impian",
    nav_products: "Produk dan Layanan",
    nav_products_digital: "Tools Keuangan Digital",
    nav_products_insurance: "Produk Asuransi dan Investasi",
    nav_products_seminar: "Seminar",
    nav_products_consult: "Konsultasi",
    nav_partnership: "Partnership & Affiliate",
    nav_about: "Tentang Kami",
    nav_contact: "Kontak",
    nav_program: "Program Asuransi & Investasi",
    nav_webinar: "Edukasi & Webinar",
    nav_book: "Konsultasi",
    nav_dashboard: "Dashboard",
    nav_login: "Masuk",
    nav_cta: "Mulai gratis",
    // home
    hero_tag: "PERENCANAAN KEUANGAN SYARIAH",
    hero_title_1: "Rencanakan kekayaan.",
    hero_title_2: "Capai impian.",
    hero_sub: "Platform edukasi & tools keuangan untuk individu dan perusahaan — dirancang oleh Certified Financial Planner.",
    hero_cta: "Hitung impian gratis",
    hero_cta_2: "Jelajahi tools",
    hero_stat_1: "Klien individu",
    hero_stat_2: "Klien korporat",
    hero_stat_3: "Peserta event",
    impact: "Dipercaya 100+ individu & 5+ perusahaan untuk masa depan finansial mereka",
    section_calc_eyebrow: "01 — HITUNG IMPIAN",
    section_calc_title: "Pilih impian, dapatkan rencana.",
    section_calc_sub: "7 kalkulator otomatis — gratis, instan, no sign-up. Dari cek kondisi finansial sampai rencana warisan.",
    section_prod_eyebrow: "02 — DIGITAL TOOLS",
    section_prod_title: "Financial Tools Template",
    section_prod_sub: "Jika kalkulator impian membantu kamu melihat gambaran besar, Financial Tools Template ini bisa membantu kamu menyusun strategi finansial secara lebih terukur dan realistis.",
    section_prod_cta: "Lihat semua produk",
    section_jasmine_eyebrow: "03 — KONSULTASI",
    section_jasmine_title: "Ngobrol satu-on-satu sama Jasmine.",
    section_jasmine_sub: "Sharia Life Planner & Financial Educator. Sesi 60 menit untuk membahas kondisi keuangan, target, dan strategi.",
    book_cta: "Booking sesi konsultasi",
    why_eyebrow: "KENAPA WEALTHPLANNER",
    why_title: "Edukasi dulu. Produk kemudian.",
    why_1_t: "Syariah-compliant",
    why_1_d: "Setiap rekomendasi disusun mengikuti prinsip keuangan syariah — tanpa riba, gharar, atau maysir.",
    why_2_t: "Berbasis data, bukan jualan",
    why_2_d: "Tools kami menghitung dari angka kamu sendiri. Kami tidak push produk yang gak relevan.",
    why_3_t: "Dirancang Certified Planner",
    why_3_d: "Logika perhitungan dan kurikulum disusun oleh Jasmine, pengalaman lintas insurance, banking, fintech, & investasi.",
    why_4_t: "Untuk individu & korporat",
    why_4_d: "Dari calculator gratis sampai program Employee Benefit untuk perusahaan — semua dalam satu platform.",
    // Calculator hub
    calc_hub_eyebrow: "KALKULATOR IMPIAN",
    calc_hub_title: "Gaada salahnya punya impian. Tapi impian besar harus dihitung biar tau gimana cara wujudinnya.",
    calc_hub_sub: "Hitung Impian dan kebutuhan finansial kamu disini, kurang dari satu menit jadi!",
    // calc names (used everywhere)
    c_checkup: "Check-Up Finansial",
    c_checkup_sub: "Lihat skor kesehatan keuangan kamu dalam 60 detik — berdasarkan saving rate, debt ratio, dan dana darurat.",
    c_rumah: "Simulasi Rumah",
    c_rumah_sub: "Simulasi KPR & Syariah (dengan margin) — pilih fix/floating, murabahah/musyarakah. Plus bandingin beli vs sewa, mana yang lebih worth it.",
    c_edu: "Dana Pendidikan",
    c_edu_sub: "Berapa nabung dari sekarang biar anak masuk universitas pilihan.",
    c_pension: "Kalkulator Pensiun",
    c_pension_sub: "Hitung target dana pensiun & financial freedom kamu.",
    c_warisan: "Kalkulator Warisan",
    c_warisan_sub: "Distribusi warisan sesuai faraidh + perencanaan wasiat 1/3.",
    c_haji: "Kalkulator Haji & Umroh",
    c_haji_sub: "Rencana dana Umroh, Haji Reguler, atau Haji Plus — plus proyeksi berangkat.",
    c_zakat: "Kalkulator Zakat",
    c_zakat_sub: "Hitung zakat maal, profesi, perdagangan, dan emas — sesuai nishab terbaru.",
    c_invest: "Perencanaan Investasi",
    c_invest_sub: "Hitung kontribusi bulanan dan proyeksi portofolio untuk capai tujuan kamu.",
    c_insurance: "Kebutuhan Asuransi",
    c_insurance_sub: "Berapa uang pertanggungan jiwa & kesehatan yang ideal sesuai kondisi kamu.",
    // Generic calc
    calc_input: "Input kamu",
    calc_result: "Hasilnya",
    calc_count: "Hitung",
    calc_save: "Simpan ke dashboard",
    calc_share: "Bagikan",
    calc_reset: "Mulai ulang",
    calc_disclaimer: "Estimasi berbasis input kamu. Bukan saran investasi — konsultasi untuk rekomendasi personal.",
    // Dual CTA strings
    cta_detail_digital: "Mau perhitungan lebih detail?",
    cta_detail_digital_sub: "Spreadsheet planner kami — multi-skenario, tracking realtime, rumus terverifikasi.",
    cta_protection: "Lindungi impian kamu",
    cta_protection_cta: "Konsultasi gratis sekarang",
    // Products
    prod_eyebrow: "DIGITAL PRODUCTS",
    prod_title: "Financial Tools Template",
    prod_sub: "Jika kalkulator impian membantu kamu melihat gambaran besar, Financial Tools Template ini bisa membantu kamu menyusun strategi finansial secara lebih terukur dan realistis.",
    prod_buy: "Beli sekarang",
    prod_preview: "Preview gratis",
    prod_features: "Yang kamu dapat",
    prod_includes: "Termasuk",
    prod_related: "Sering dibeli bareng",
    // Checkout
    co_title: "Checkout",
    co_summary: "Ringkasan pesanan",
    co_contact: "Kontak",
    co_payment: "Pembayaran",
    co_method: "Metode pembayaran",
    co_total: "Total bayar",
    co_pay: "Bayar sekarang",
    co_terms: "Dengan klik bayar, kamu setuju syarat layanan kami.",
    co_email: "Email",
    co_phone: "No. WhatsApp",
    co_name: "Nama lengkap",
    co_subtotal: "Subtotal",
    co_discount: "Diskon",
    co_tax: "PPN (11%)",
    // Payment success
    pay_success_t: "Pembayaran berhasil!",
    pay_success_s: "File sudah dikirim ke email kamu. Juga tersedia di Dashboard.",
    pay_goto_dash: "Ke dashboard",
    // Dashboard
    dash_hi: "Halo,",
    dash_sub: "Berikut yang kamu kerjakan akhir-akhir ini.",
    dash_tools: "Tools kamu",
    dash_results: "Hasil hitungan tersimpan",
    dash_upcoming: "Konsultasi mendatang",
    dash_history: "Riwayat transaksi",
    dash_recommend: "Rekomendasi untuk kamu",
    dash_open: "Buka",
    dash_download: "Unduh ulang",
    dash_no_upcoming: "Belum ada jadwal. Yuk booking sesi dulu.",
    // Booking
    book_eyebrow: "KONSULTASI 1-ON-1",
    book_title: "Pilih waktu yang pas. Sisanya biar Jasmine yang bawa.",
    book_who: "Tentang Jasmine",
    book_who_bio: "Lulusan Ekonomi Syariah dengan passion di financial planning & literasi. Sejak 2021 menjadi life planner di industri asuransi, dan memperluas pengalaman ke perbankan, fintech, dan investasi sebagai researcher, equity analyst, dan corporate secretary. Tujuannya satu — jadi konsultan yang benar-benar bisa kamu percaya.",
    book_when: "Pilih tanggal & jam",
    book_topic: "Topik yang mau dibahas",
    book_topic_ph: "Misal: rencana dana pendidikan anak, review portofolio, dst.",
    book_confirm: "Konfirmasi booking",
    book_pkg: "Paket sesi",
    book_pkg_single: "Sesi 1× (60 menit)",
    book_pkg_3: "Paket 3× (60 menit per sesi)",
    book_pkg_emp: "Program Korporat",
    // Tweaks panel labels
    // Protection + Growth section (storytelling)
    prot_eyebrow: "PROTEKSI + PERTUMBUHAN",
    prot_title: "Investasi aja gak cukup. Asuransi aja gak cukup.",
    prot_sub: "Boom — rencana 10 tahun bisa musnah dalam sebulan kalau ada risiko gak ter-cover. Tabungan habis, cicilan KPR tetap jalan, target pensiun mundur 5 tahun.",
    prot_p1_t: "Asuransi: payung saat hujan",
    prot_p1_d: "Saat sakit kritis, kecelakaan, atau meninggal — keluarga gak perlu jual aset. Tabungan investasi tetap utuh.",
    prot_p2_t: "Investasi: kendaraan ke tujuan",
    prot_p2_d: "Inflasi naik 5–10% per tahun. Tabungan biasa gak cukup. Investasi yang bikin uangmu tumbuh real.",
    prot_p3_t: "Syariah-compliant",
    prot_p3_d: "Setiap rekomendasi mengikuti prinsip Islam — tanpa riba, gharar, atau maysir. Halal dan jelas.",
    prot_p4_t: "Dirancang oleh Sharia Life Planner",
    prot_p4_d: "Bukan sales generic. Setiap rencana dirancang sesuai kondisi & tujuan kamu pribadi.",

    // Programs section
    prog_eyebrow: "04 — PROGRAM SOLUSI",
    prog_hero_t: "6 Program. Satu tujuan: ketenangan finansial.",
    prog_hero_s: "Konsultasi gratis 30 menit dengan Jasmine — tidak ada tekanan, tidak ada penawaran agresif.",
    prog_partnership: "In partnership with",
    prog_view_all: "Lihat semua program",
    prog_free_consult: "Konsultasi gratis 30 menit",
    prog_book_consult: "Booking konsultasi gratis",

    // Program names + descriptions
    pr_warisan_t: "Perencanaan Warisan",
    pr_warisan_s: "Pastikan keluarga tercinta tetap aman, secara finansial dan emosional, saat kamu tidak ada.",
    pr_utang_t: "Pelunasan Utang",
    pr_utang_s: "Strategi exit yang jelas — supaya cicilan KPR atau utang gak jadi beban keluarga kalau terjadi sesuatu.",
    pr_edu_t: "Pendidikan Anak",
    pr_edu_s: "Biaya pendidikan naik 10% per tahun. Pastikan anak tetap bisa kuliah, apapun yang terjadi.",
    pr_invest_t: "Program Investasi",
    pr_invest_s: "Investasi jangka panjang dengan proteksi terintegrasi — pertumbuhan + keamanan dalam satu paket.",
    pr_haji_t: "Pelunasan Haji",
    pr_haji_s: "Wujudkan rukun Islam kelima — rencana dana haji dengan proteksi yang sesuai syariah.",
    pr_haji_tag: "SYARIAH UNGGULAN",
    pr_employee_t: "Employee Benefit",
    pr_employee_s: "Untuk perusahaan — program proteksi & literasi finansial untuk karyawan.",
    pr_learn_more: "Pelajari",

    // Webinar
    web_eyebrow: "05 — EDUKASI",
    web_title: "Webinar & Event mendatang",
    web_sub: "Belajar langsung dari Jasmine & para praktisi. Gratis untuk komunitas.",
    web_join: "Daftar gratis",
    web_view_all: "Lihat semua event",
    web_status_upcoming: "UPCOMING",
    web_status_replay: "REPLAY",
    web_seats: "kursi tersisa",

    // Booking — paid vs free split
    book_intent_t: "Pilih tipe konsultasi",
    book_intent_paid_t: "Personal Finance — 1-on-1",
    book_intent_paid_s: "Review komprehensif keuangan kamu. Strategi 90 hari + action plan.",
    book_intent_paid_p: "Mulai Rp 350.000 / sesi 60 menit",
    book_intent_free_t: "Asuransi & Investasi — Gratis",
    book_intent_free_s: "30 menit ngobrol santai. Cek kondisi, dapatkan rekomendasi awal.",
    book_intent_free_p: "Gratis — tidak ada tekanan",
    book_intent_pick: "Pilih",

    // Tweaks panel labels
    tw_theme: "Theme",
    tw_dark: "Dark mode",
    tw_lang: "Bahasa",
    tw_accent: "Accent color",
    tw_hero: "Hero layout",
    tw_var_split: "Split",
    tw_var_stack: "Stacked",
    tw_var_wide: "Wide",
    // Footer
    foot_about: "Tentang",
    foot_corp: "Untuk Perusahaan",
    foot_contact: "Kontak",
    foot_legal: "Syarat & Privasi",
    foot_rights: "© 2026 wealthplanner.id — semua hak dilindungi.",
    foot_tag: "Edukasi & wealth planning untuk individu dan korporat.",
  },
  en: {
    nav_home: "Dashboard",
    nav_calc: "Dream Calculator",
    nav_products: "Products & Services",
    nav_products_digital: "Digital Finance Tools",
    nav_products_insurance: "Insurance & Investment Products",
    nav_products_seminar: "Seminars",
    nav_products_consult: "Consultation",
    nav_partnership: "Partnership & Affiliate",
    nav_about: "About Us",
    nav_contact: "Contact",
    nav_program: "Insurance & Investment Programs",
    nav_webinar: "Education & Webinars",
    nav_book: "Consultation",
    nav_dashboard: "Dashboard",
    nav_login: "Sign in",
    nav_cta: "Start free",
    hero_tag: "SHARIA FINANCIAL PLANNING",
    hero_title_1: "Plan your wealth.",
    hero_title_2: "Reach your dreams.",
    hero_sub: "Financial education & toolkit for individuals and companies — built by a Certified Financial Planner.",
    hero_cta: "Plan your dream — free",
    hero_cta_2: "Browse tools",
    hero_stat_1: "Individual clients",
    hero_stat_2: "Corporate clients",
    hero_stat_3: "Event participants",
    impact: "Trusted by 100+ individuals & 5+ companies for their financial future",
    section_calc_eyebrow: "01 — PLAN DREAMS",
    section_calc_title: "Pick a dream, get a plan.",
    section_calc_sub: "7 automated calculators — free, instant, no sign-up. From financial health-check to inheritance planning.",
    section_prod_eyebrow: "02 — DIGITAL TOOLS",
    section_prod_title: "Financial Tools Template",
    section_prod_sub: "If the Dream Calculator helps you see the big picture, these Financial Tools Templates help you build a more measured, realistic financial strategy.",
    section_prod_cta: "See all products",
    section_jasmine_eyebrow: "03 — CONSULTATION",
    section_jasmine_title: "One-on-one with Jasmine.",
    section_jasmine_sub: "Sharia Life Planner & Financial Educator. A 60-minute session to walk through your situation, goals, and strategy.",
    book_cta: "Book a session",
    why_eyebrow: "WHY WEALTHPLANNER",
    why_title: "Education first. Products second.",
    why_1_t: "Sharia-compliant",
    why_1_d: "Every recommendation follows Islamic finance principles — no riba, gharar, or maysir.",
    why_2_t: "Data-driven, not sales-driven",
    why_2_d: "Our tools calculate from your own numbers. We don't push irrelevant products.",
    why_3_t: "Built by a Certified Planner",
    why_3_d: "Logic and curriculum designed by Jasmine, with experience across insurance, banking, fintech & investments.",
    why_4_t: "For individuals & companies",
    why_4_d: "From free calculators to corporate Employee Benefit programs — all in one platform.",
    calc_hub_eyebrow: "DREAM CALCULATOR",
    calc_hub_title: "It's not wrong to have dreams. But big dreams must be calculated.",
    calc_hub_sub: "Calculate your dreams and financial needs here — under a minute.",
    c_checkup: "Financial Health Check",
    c_checkup_sub: "See your money health score in 60 seconds — based on saving rate, debt ratio, and emergency fund.",
    c_rumah: "Home Simulation",
    c_rumah_sub: "Mortgage & Sharia simulator (with margins) — choose fixed/floating, murabahah/musyarakah. Plus rent vs buy comparison.",
    c_edu: "Education Fund",
    c_edu_sub: "How much to save now so your kid can go to their dream university.",
    c_pension: "Retirement Calculator",
    c_pension_sub: "Calculate your retirement target & financial freedom number.",
    c_warisan: "Inheritance Calculator",
    c_warisan_sub: "Sharia-compliant inheritance distribution (faraidh) + 1/3 will planning.",
    c_haji: "Hajj & Umroh Calculator",
    c_haji_sub: "Plan Umroh, Regular Hajj, or Hajj Plus funding — plus a departure projection.",
    c_zakat: "Zakat Calculator",
    c_zakat_sub: "Calculate zakat maal, income, trade, and gold — by the latest nishab.",
    c_invest: "Investment Planning",
    c_invest_sub: "Calculate monthly contribution & portfolio projection to hit your goal.",
    c_insurance: "Insurance Need",
    c_insurance_sub: "How much life & health coverage is right for your situation.",
    calc_input: "Your inputs",
    calc_result: "Your result",
    calc_count: "Calculate",
    calc_save: "Save to dashboard",
    calc_share: "Share",
    calc_reset: "Reset",
    calc_disclaimer: "Estimate based on your inputs. Not investment advice — book a consultation for personalized recommendations.",
    // Dual CTA strings
    cta_detail_digital: "Want a deeper calculation?",
    cta_detail_digital_sub: "Our spreadsheet planner — multi-scenario, real-time tracking, verified formulas.",
    cta_protection: "Protect your dream",
    cta_protection_cta: "Free consultation now",
    prod_eyebrow: "DIGITAL PRODUCTS",
    prod_title: "Financial Tools Template",
    prod_sub: "If the Dream Calculator helps you see the big picture, these Financial Tools Templates help you build a more measured, realistic financial strategy.",
    prod_buy: "Buy now",
    prod_preview: "Free preview",
    prod_features: "What you get",
    prod_includes: "Includes",
    prod_related: "Frequently bought together",
    co_title: "Checkout",
    co_summary: "Order summary",
    co_contact: "Contact",
    co_payment: "Payment",
    co_method: "Payment method",
    co_total: "Total",
    co_pay: "Pay now",
    co_terms: "By clicking pay, you agree to our terms of service.",
    co_email: "Email",
    co_phone: "WhatsApp number",
    co_name: "Full name",
    co_subtotal: "Subtotal",
    co_discount: "Discount",
    co_tax: "VAT (11%)",
    pay_success_t: "Payment received!",
    pay_success_s: "Files have been sent to your email. Also available in your Dashboard.",
    pay_goto_dash: "Go to dashboard",
    dash_hi: "Hi,",
    dash_sub: "Here's what you've been working on.",
    dash_tools: "Your tools",
    dash_results: "Saved results",
    dash_upcoming: "Upcoming consultations",
    dash_history: "Transaction history",
    dash_recommend: "Recommended for you",
    dash_open: "Open",
    dash_download: "Re-download",
    dash_no_upcoming: "No bookings yet. Pick a session to get started.",
    book_eyebrow: "1-ON-1 CONSULTATION",
    book_title: "Pick a time. Jasmine handles the rest.",
    book_who: "About Jasmine",
    book_who_bio: "A Sharia Economics graduate with deep passion for financial planning & literacy. Since 2021 a life planner in insurance — then expanded into banking, fintech, and investments as a researcher, equity analyst, and corporate secretary. One mission — be a consultant people can truly trust.",
    book_when: "Pick a date & time",
    book_topic: "What do you want to discuss?",
    book_topic_ph: "e.g. education fund plan, portfolio review, etc.",
    book_confirm: "Confirm booking",
    book_pkg: "Session package",
    book_pkg_single: "1 session (60 min)",
    book_pkg_3: "Pack of 3 (60 min each)",
    book_pkg_emp: "Corporate Program",
    // Protection + Growth
    prot_eyebrow: "PROTECTION + GROWTH",
    prot_title: "Investing alone isn't enough. Insurance alone isn't enough.",
    prot_sub: "Boom — a 10-year plan can collapse in one month if a risk isn't covered. Savings drained, KPR keeps rolling, retirement pushed 5 years out.",
    prot_p1_t: "Insurance: umbrella in the storm",
    prot_p1_d: "Critical illness, accident, or death — your family doesn't have to sell assets. Your investments stay intact.",
    prot_p2_t: "Investment: the vehicle to the goal",
    prot_p2_d: "Inflation runs 5–10% a year. A plain savings account won't cut it. Real growth needs real investment.",
    prot_p3_t: "Sharia-compliant",
    prot_p3_d: "Every recommendation follows Islamic principles — no riba, gharar, or maysir. Halal and clear.",
    prot_p4_t: "Designed by a Sharia Life Planner",
    prot_p4_d: "Not a generic sales pitch. Every plan is built around your situation and goals.",

    // Programs
    prog_eyebrow: "04 — SOLUTION PROGRAMS",
    prog_hero_t: "6 programs. One goal: financial peace of mind.",
    prog_hero_s: "Free 30-minute consultation with Jasmine — no pressure, no hard sell.",
    prog_partnership: "In partnership with",
    prog_view_all: "See all programs",
    prog_free_consult: "Free 30-minute consultation",
    prog_book_consult: "Book free consultation",

    pr_warisan_t: "Estate Planning",
    pr_warisan_s: "Make sure your loved ones are safe — financially and emotionally — when you're gone.",
    pr_utang_t: "Debt Payoff",
    pr_utang_s: "A clear exit strategy — so mortgage or debts don't become a burden if something happens.",
    pr_edu_t: "Children's Education",
    pr_edu_s: "Education costs rise 10% per year. Make sure your kids can study, no matter what.",
    pr_invest_t: "Investment Program",
    pr_invest_s: "Long-term investment with built-in protection — growth + security in one package.",
    pr_haji_t: "Hajj Funding",
    pr_haji_s: "Fulfill the 5th pillar of Islam — a hajj fund plan with sharia-compliant protection.",
    pr_haji_tag: "SHARIA FEATURED",
    pr_employee_t: "Employee Benefit",
    pr_employee_s: "For companies — protection & financial literacy programs for employees.",
    pr_learn_more: "Learn more",

    web_eyebrow: "05 — EDUCATION",
    web_title: "Upcoming Webinars & Events",
    web_sub: "Learn directly from Jasmine & practitioners. Free for the community.",
    web_join: "Register free",
    web_view_all: "See all events",
    web_status_upcoming: "UPCOMING",
    web_status_replay: "REPLAY",
    web_seats: "seats left",

    book_intent_t: "Choose consultation type",
    book_intent_paid_t: "Personal Finance — 1-on-1",
    book_intent_paid_s: "Comprehensive financial review. 90-day strategy + action plan.",
    book_intent_paid_p: "From Rp 350.000 / 60-minute session",
    book_intent_free_t: "Insurance & Investment — Free",
    book_intent_free_s: "30 minutes casual chat. Check your situation, get initial recommendations.",
    book_intent_free_p: "Free — no pressure",
    book_intent_pick: "Choose",

    tw_theme: "Theme",
    tw_dark: "Dark mode",
    tw_lang: "Language",
    tw_accent: "Accent color",
    tw_hero: "Hero layout",
    tw_var_split: "Split",
    tw_var_stack: "Stacked",
    tw_var_wide: "Wide",
    foot_about: "About",
    foot_corp: "For Business",
    foot_contact: "Contact",
    foot_legal: "Terms & Privacy",
    foot_rights: "© 2026 wealthplanner.id — all rights reserved.",
    foot_tag: "Education & wealth planning for individuals and companies.",
  },
};

const I18nContext = React.createContext({ t: I18N.id, lang: "id" });

function useT() {
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}

window.I18N = I18N;
window.I18nContext = I18nContext;
window.useT = useT;