/**
 * Licensed to the Apache Software Foundation (ASF) under one
 * or more contributor license agreements. See the NOTICE file
 * distributed with this work for additional information
 * regarding copyright ownership. The ASF licenses this file
 * to you under the Apache License, Version 2.0 (the
 * "License"); you may not use this file except in compliance
 * with the License. You may obtain a copy of the License at
 *
 * http://www.apache.org/licenses/LICENSE-2.0
 *
 * Unless required by applicable law or agreed to in writing,
 * software distributed under the License is distributed on an
 * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
 * KIND, either express or implied. See the License for the
 * specific language governing permissions and limitations
 * under the License.
 */
package org.apache.fineract.integrationtests;

import java.math.BigDecimal;
import java.util.Arrays;
import java.util.List;
import java.util.concurrent.atomic.AtomicInteger;
import lombok.extern.slf4j.Slf4j;
import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.CreditAllocationData;
import org.apache.fineract.client.models.CreditAllocationOrder;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdSummary;
import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
import org.apache.fineract.client.models.PostLoansLoanIdResponse;
import org.apache.fineract.client.models.PostLoansRequest;
import org.apache.fineract.client.models.PostLoansResponse;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
import org.jetbrains.annotations.Nullable;
import org.junit.jupiter.api.Assertions;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;

@Slf4j
@ExtendWith(LoanTestLifecycleExtension.class)
public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoanIntegrationTest {

    @Test
    public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
                                                                       // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );
        });
    }

    @Test
    public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheInstallment() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("01 February 2023");

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
            // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "01 February 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
                    installment(343.0, 0, 50, 20, 413.0, false, "01 March 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );
        });
    }

    @Test
    public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheLoan() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("01 May 2023");

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
            // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "01 May 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(341.0, 0, 50, 20, 411.0, false, "01 May 2023") //
            );
        });
    }

    @Test
    public void chargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnNPlusOneInstallment() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date + and make a full repayment for the first installment
            updateBusinessDate("20 January 2023");
            addRepaymentForLoan(loanId, 313.0, "20 January 2023");

            // Update Business Date + and make a full repayment for the second installment
            updateBusinessDate("20 February 2023");
            addRepaymentForLoan(loanId, 313.0, "20 February 2023");

            // Update Business Date + and make a full repayment for the third installment
            updateBusinessDate("20 March 2023");
            addRepaymentForLoan(loanId, 313.0, "20 March 2023");

            // Add some charges Update Business Date + and make a full repayment for the fourth installment
            updateBusinessDate("20 April 2023");
            addCharge(loanId, false, 50, "20 April 2023");
            addCharge(loanId, true, 20, "20 April 2023");
            Long repaymentTransaction = addRepaymentForLoan(loanId, 381.0, "20 April 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 50, 20, 0.0, true, "01 May 2023") //
            );

            // Let's move over the maturity date and chargeback some money
            updateBusinessDate("02 May 2023");

            // Add Chargeback, 20 penalty + 50 fee + 0 interest + 30 principal
            addChargebackForLoan(loanId, repaymentTransaction, 100.0);

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(313.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(313.0, "Repayment", "20 February 2023", 624.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(313.0, "Repayment", "20 March 2023", 311.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(381.0, "Repayment", "20 April 2023", 0.0, 311.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(70.0, "Accrual", "20 April 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "02 May 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 50, 20, 0.0, true, "01 May 2023"), //
                    installment(30.0, 0, 50, 20, 100.0, false, "02 May 2023") //
            );
        });
    }

    @Test
    public void chargebackWithCreditAllocationAndReverseReplayWithBackdatedPayment() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("21 January 2023");

            // Add Chargeback20 penalty + 50 fee + 0 interest + 30 principal
            addChargebackForLoan(loanId, repaymentTransaction, 100.0);

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // let's add a backdated repayment on 19th of January to trigger reverse replaying the chargeback, that will
            // pay both the charges earlier.
            addRepaymentForLoan(loanId, 200.0, "19 January 2023");

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(200.0, "Repayment", "19 January 2023", 1120.0, 130.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 737.0, 383.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 837.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );
        });
    }

    @Test
    public void chargebackWithCreditAllocationReverseReplayedWithBackdatedPayment() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("22 January 2023");

            // Add Chargeback20 penalty + 50 fee + 0 interest + 30 principal
            addChargebackForLoan(loanId, repaymentTransaction, 100.0);

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "22 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // let's add a backdated repayment on 21th of January that will reverse replay the chargeback transaction
            // but will leave the
            // original repayment from 20th of January unchanged.
            addRepaymentForLoan(loanId, 200.0, "21 January 2023");

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(200.0, "Repayment", "21 January 2023", 737.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "22 January 2023", 767.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 837.0);
        });
    }

    @Test
    public void chargebackWithCreditAllocationPrincipalInterestFeePenalty() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();

            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
            );

            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 1037.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(413.0, 0, 50, 20, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            verifyLoanSummaryAmounts(loanId, 100.0, 0.0, 0.0, 1037);
        });
    }

    @Test
    public void chargebackWithCreditAllocationPrincipalInterestFeePenaltyWhenOverpaid() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
                                                                                                // overpayment

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
            );

            updateBusinessDate("02 May 2023");

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "02 May 2023", 50.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0) //
            );

            // Verify Repayment Schedule
            // DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0, true, "01 May 2023"), //
                    installment(100.0, 0, 0, 0, outstanding(50.0, 0d, 0d, 50.0), false, "02 May 2023") //
            );
        });
    }

    @Test
    public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaid() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
                                                                                                // overpayment

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
            );

            // Verify Repayment Schedule,
            // DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, outstanding(30.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
            );

            verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
        });
    }

    @Test
    public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaidDefaultPaymentPrincipalFirst() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocationPrincipalFirst(), //
                    chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
            // overpayment

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 0.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
            );

            // Verify Repayment Schedule,
            // DEFAULT payment allocation is ..., DUE_PRINCIPAL, DUE_FEE, DUE_PENALTY ...
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, outstanding(0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
            );

            verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
        });
    }

    @Test
    public void doubleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
            // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("21 January 2023");

            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

        });
    }

    @Test
    public void doubleChargebackReverseReplayedBothFeeAndPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
            // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("21 January 2023");

            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Let's add repayment to trigger reverse replay for both chargebacks
            addRepaymentForLoan(loanId, 200.0, "19 January 2023");

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(200.0, "Repayment", "19 January 2023", 1120.0, 130.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 737.0, 383.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 837.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 937.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );
        });
    }

    @Test
    public void doubleChargebackReverseReplayedOnlyPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");

            // Add Charges
            Long feeId = addCharge(loanId, false, 50, "15 January 2023");
            Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Update Business Date
            updateBusinessDate("20 January 2023");

            // Add Repayment
            Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Add Chargeback
            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
            // principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            updateBusinessDate("21 January 2023");

            addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify Repayment Schedule
            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                    installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                    installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
                    installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
            );

            // Let's add repayment to trigger reverse replay for both chargebacks
            addRepaymentForLoan(loanId, 20.0, "19 January 2023");

            verifyTransactions(loanId, //
                    transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(20.0, "Repayment", "19 January 2023", 1250.0, 0.0, 0.0, 0.0, 20.0, 0.0, 0.0), //
                    transaction(383.0, "Repayment", "20 January 2023", 917.0, 333.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "20 January 2023", 967.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );
        });
    }

    @Test
    public void testAccountingChargebackOnPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");

            // Chargeback 250
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(chargeback, //
                    debit(loansReceivableAccount, 250), //
                    credit(fundSource, 250) //
            );

        });
    }

    @Test
    public void testAccountingChargebackOnPrincipalAndFees() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            Long feeId = addCharge(loanId, false, 30, "15 February 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 30, 0, 280.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");

            // Run periodic accrual
            schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");

            // Chargeback 250
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 280), //
                    credit(loansReceivableAccount, 250), //
                    credit(feeReceivableAccount, 30)//
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(chargeback, //
                    debit(loansReceivableAccount, 250), //
                    debit(feeReceivableAccount, 30), //
                    credit(fundSource, 280) //
            );

        });
    }

    @Test
    public void testAccountingChargebackOnPrincipalAndPenalties() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            Long feeId = addCharge(loanId, true, 30, "15 February 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 30.0, 280.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");

            // Run periodic accrual
            schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 250.0, "30 March 2023");

            // Chargeback 250
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
                    transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Chargeback", "30 March 2023", 250, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 280), //
                    credit(loansReceivableAccount, 250), //
                    credit(penaltyReceivableAccount, 30)//
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(chargeback, //
                    debit(loansReceivableAccount, 250), //
                    debit(penaltyReceivableAccount, 30), //
                    credit(fundSource, 280) //
            );

        });
    }

    @Test
    public void testAccountingOverpaymentAmountIsSmallerThanChargeback() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");

            // Chargeback 250
            updateBusinessDate("31 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Chargeback", "31 March 2023", 100, 250.0, 0.0, 0.0, 0.0, 0.0, 150.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 400), //
                    credit(loansReceivableAccount, 250), //
                    credit(overpaymentAccount, 150) //
            );

            verifyTRJournalEntries(chargeback, //
                    debit(loansReceivableAccount, 100), //
                    debit(overpaymentAccount, 150), //
                    credit(fundSource, 250) //
            );
        });
    }

    @Test
    public void testAccountingOverpaymentAmountIsBiggerThanChargeback() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");

            // Chargeback 250
            updateBusinessDate("31 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 100.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "31 March 2023", 0.0, 100.0, 0.0, 0.0, 0.0, 0.0, -50.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 400), //
                    credit(loansReceivableAccount, 250), //
                    credit(overpaymentAccount, 150) //
            );

            verifyTRJournalEntries(chargeback, //
                    debit(overpaymentAccount, 100), //
                    credit(fundSource, 100) //
            );
        });
    }

    @Test
    public void testAccountingOverpaidLoansWithFeesWhenOverpaymentAmountIsBiggerThanChargeback() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Add fee & Repayment #2
            updateBusinessDate("01 March 2023");
            Long feeId = addCharge(loanId, false, 30, "01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");
            schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");

            // Repayment #3
            updateBusinessDate("30 March 2023");
            Long repaymentTransaction3 = addRepaymentForLoan(loanId, 400.0, "30 March 2023");

            // Chargeback 250
            updateBusinessDate("31 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 100.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(400.0, "Repayment", "30 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(100.0, "Chargeback", "31 March 2023", 0.0, 70.0, 0.0, 30.0, 0.0, 0.0, -50.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 280), //
                    credit(loansReceivableAccount, 250), //
                    credit(feeReceivableAccount, 30) //
            );

            verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
                    debit(feeReceivableAccount, 30), //
                    credit(feeIncomeAccount, 30) //
            );

            verifyTRJournalEntries(repaymentTransaction3, //
                    debit(fundSource, 400), //
                    credit(loansReceivableAccount, 250), //
                    credit(overpaymentAccount, 150) //
            );

            verifyTRJournalEntries(chargeback, //
                    debit(overpaymentAccount, 100), //
                    credit(fundSource, 100) //
            );
        });
    }

    @Test
    public void testAccountingChargebackOnChargeOffWithPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");

            // Charge-Off
            updateBusinessDate("15 March 2023");
            Long chargeOff = chargeOffLoan(loanId, "15 March 2023");

            // Chargeback 250
            updateBusinessDate("30 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(chargeOff, //
                    debit(chargeOffExpenseAccount, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(chargeback, //
                    debit(chargeOffExpenseAccount, 250), //
                    credit(fundSource, 250) //
            );
        });
    }

    @Test
    public void testAccountingChargebackOnChargeOffFraudWithPrincipal() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Repayment #2
            updateBusinessDate("01 March 2023");
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 250.0, "01 March 2023");

            // Charge-Off
            updateBusinessDate("15 March 2023");
            Long chargeOff = chargeOffLoan(loanId, "15 March 2023");
            changeLoanFraudState(loanId, true);

            // Chargeback 250
            updateBusinessDate("30 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 250.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250) //
            );

            verifyTRJournalEntries(chargeOff, //
                    debit(chargeOffExpenseAccount, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(chargeback, //
                    debit(chargeOffFraudExpenseAccount, 250), //
                    credit(fundSource, 250) //
            );
        });
    }

    @Test
    public void testAccountingChargebackOnChargeOffWithFees() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Add fee 30
            updateBusinessDate("01 March 2023");
            addCharge(loanId, false, 30, "01 March 2023");

            // Repayment #2
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");

            // Run periodic accrual
            schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");

            // Charge-Off
            updateBusinessDate("15 March 2023");
            addCharge(loanId, false, 20, "15 March 2023");
            Long chargeOff = chargeOffLoan(loanId, "15 March 2023");

            // Chargeback 250
            updateBusinessDate("30 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0), //
                    transaction(270.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 20.0, 0.0, 0.0, 0.0), //
                    transaction(280.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 30.0, 0.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 280), //
                    credit(loansReceivableAccount, 250), //
                    credit(feeReceivableAccount, 30) //
            );

            verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
                    debit(feeReceivableAccount, 30), //
                    credit(feeIncomeAccount, 30) //
            );

            verifyTRJournalEntries(chargeOff, //
                    debit(chargeOffExpenseAccount, 250), //
                    credit(loansReceivableAccount, 250), //
                    credit(feeReceivableAccount, 20), //
                    debit(feeChargeOffAccount, 20) //
            );

            verifyTRJournalEntries(chargeback, //
                    credit(fundSource, 280), //
                    debit(chargeOffExpenseAccount, 250), //
                    debit(feeChargeOffAccount, 30) //
            );
        });
    }

    @Test
    public void testAccountingChargebackOnChargeOffWithPenalties() {
        runAt("01 January 2023", () -> {
            // Create Client
            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
            // Create Loan Product
            Long loanProductId = createLoanProduct(//
                    createDefaultPaymentAllocation(), //
                    chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
            );
            // Apply and Approve Loan
            Long loanId = applyAndApproveLoan(clientId, loanProductId, 3);

            // Disburse Loan
            disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");

            verifyRepaymentSchedule(loanId, //
                    installment(0, null, "01 January 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                    installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
            );

            // Repayment #1
            updateBusinessDate("01 February 2023");
            Long repaymentTransaction1 = addRepaymentForLoan(loanId, 250.0, "01 February 2023");

            // Add fee 30
            updateBusinessDate("01 March 2023");
            addCharge(loanId, true, 30, "01 March 2023");

            // Repayment #2
            Long repaymentTransaction2 = addRepaymentForLoan(loanId, 280.0, "01 March 2023");

            // Run periodic accrual
            schedulerJobHelper.executeAndAwaitJob("Add Accrual Transactions");

            // Charge-Off
            updateBusinessDate("15 March 2023");
            addCharge(loanId, true, 20, "15 March 2023");
            Long chargeOff = chargeOffLoan(loanId, "15 March 2023");

            // Chargeback 250
            updateBusinessDate("30 March 2023");
            Long chargeback = addChargebackForLoan(loanId, repaymentTransaction2, 280.0);

            verifyTransactions(loanId, //
                    transaction(750.0, "Disbursement", "01 January 2023", 750.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(250.0, "Repayment", "01 February 2023", 500.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
                    transaction(30.0, "Accrual", "01 March 2023", 0.0, 0.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
                    transaction(280.0, "Repayment", "01 March 2023", 250.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0), //
                    transaction(270.0, "Charge-off", "15 March 2023", 0.0, 250.0, 0.0, 0.0, 20.0, 0.0, 0.0), //
                    transaction(280.0, "Chargeback", "30 March 2023", 500.0, 250.0, 0.0, 0.0, 30.0, 0.0, 0.0) //
            );

            // Verify GL entries
            verifyTRJournalEntries(repaymentTransaction1, //
                    debit(fundSource, 250), //
                    credit(loansReceivableAccount, 250)//
            );

            verifyTRJournalEntries(repaymentTransaction2, //
                    debit(fundSource, 280), //
                    credit(loansReceivableAccount, 250), //
                    credit(penaltyReceivableAccount, 30) //
            );

            verifyTRJournalEntries(getTransactionId(loanId, "Accrual", "01 March 2023"), //
                    debit(penaltyReceivableAccount, 30), //
                    credit(penaltyIncomeAccount, 30) //
            );

            verifyTRJournalEntries(chargeOff, //
                    debit(chargeOffExpenseAccount, 250), //
                    credit(loansReceivableAccount, 250), //
                    credit(penaltyReceivableAccount, 20), //
                    debit(penaltyChargeOffAccount, 20) //
            );

            verifyTRJournalEntries(chargeback, //
                    credit(fundSource, 280), //
                    debit(chargeOffExpenseAccount, 250), //
                    debit(penaltyChargeOffAccount, 30) //
            );
        });
    }

    private void verifyLoanSummaryAmounts(Long loanId, double creditedPrincipal, double creditedFee, double creditedPenalty,
            double totalOutstanding) {
        GetLoansLoanIdResponse loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
        GetLoansLoanIdSummary summary = loanResponse.getSummary();
        Assertions.assertNotNull(summary);
        Assertions.assertEquals(creditedPrincipal, summary.getPrincipalAdjustments());
        Assertions.assertEquals(creditedFee, summary.getFeeAdjustments());
        Assertions.assertEquals(creditedPenalty, summary.getPenaltyAdjustments());
        Assertions.assertEquals(totalOutstanding, summary.getTotalOutstanding());
    }

    private Long applyAndApproveLoan(Long clientId, Long loanProductId, int numberOfRepayments) {
        PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", 1250.0, numberOfRepayments)//
                .repaymentEvery(1)//
                .loanTermFrequency(numberOfRepayments)//
                .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
                .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
                .transactionProcessingStrategyCode("advanced-payment-allocation-strategy");

        PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);

        PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
                approveLoanRequest(1250.0, "01 January 2023"));
        Assertions.assertNotNull(approvedLoanResult);
        Assertions.assertNotNull(approvedLoanResult.getLoanId());
        return approvedLoanResult.getLoanId();
    }

    @Nullable
    private Long applyAndApproveLoan(Long clientId, Long loanProductId) {
        return applyAndApproveLoan(clientId, loanProductId, 4);
    }

    public Long createLoanProduct(AdvancedPaymentData defaultAllocation, CreditAllocationData creditAllocationData) {
        PostLoanProductsRequest postLoanProductsRequest = loanProductWithAdvancedPaymentAllocationWith4Installments(defaultAllocation,
                creditAllocationData);
        PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(postLoanProductsRequest);
        return loanProductResponse.getResourceId();
    }

    private PostLoanProductsRequest loanProductWithAdvancedPaymentAllocationWith4Installments(AdvancedPaymentData defaultAllocation,
            CreditAllocationData creditAllocationData) {
        return createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct().numberOfRepayments(4)//
                .repaymentEvery(1)//
                .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue())//
                .loanScheduleType(LoanScheduleType.PROGRESSIVE.toString()) //
                .loanScheduleProcessingType(LoanScheduleProcessingType.VERTICAL.toString()) //
                .transactionProcessingStrategyCode("advanced-payment-allocation-strategy")
                .paymentAllocation(List.of(defaultAllocation, createRepaymentPaymentAllocation()))
                .creditAllocation(List.of(creditAllocationData));
    }

    private AdvancedPaymentData createDefaultPaymentAllocation() {
        AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
        advancedPaymentData.setTransactionType("DEFAULT");
        advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");

        List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
                PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
                PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
                PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
                PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);

        advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
        return advancedPaymentData;
    }

    private AdvancedPaymentData createDefaultPaymentAllocationPrincipalFirst() {
        AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
        advancedPaymentData.setTransactionType("DEFAULT");
        advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");

        List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
                PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
                PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PENALTY,
                PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_FEE,
                PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_INTEREST);

        advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
        return advancedPaymentData;
    }

    private AdvancedPaymentData createRepaymentPaymentAllocation() {
        AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
        advancedPaymentData.setTransactionType("REPAYMENT");
        advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");

        List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
                PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_INTEREST, PaymentAllocationType.PAST_DUE_PRINCIPAL,
                PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_INTEREST,
                PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
                PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);

        advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
        return advancedPaymentData;
    }

    private CreditAllocationData chargebackAllocation(String... allocationRules) {
        CreditAllocationData creditAllocationData = new CreditAllocationData();
        creditAllocationData.setTransactionType("CHARGEBACK");
        creditAllocationData.setCreditAllocationOrder(createCreditAllocationOrders(allocationRules));
        return creditAllocationData;
    }

    public List<CreditAllocationOrder> createCreditAllocationOrders(String... allocationRule) {
        AtomicInteger integer = new AtomicInteger(1);
        return Arrays.stream(allocationRule).map(allocation -> {
            CreditAllocationOrder creditAllocationOrder = new CreditAllocationOrder();
            creditAllocationOrder.setCreditAllocationRule(allocation);
            creditAllocationOrder.setOrder(integer.getAndIncrement());
            return creditAllocationOrder;
        }).toList();
    }

    private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
        AtomicInteger integer = new AtomicInteger(1);
        return Arrays.stream(paymentAllocationTypes).map(pat -> {
            PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
            paymentAllocationOrder.setPaymentAllocationRule(pat.name());
            paymentAllocationOrder.setOrder(integer.getAndIncrement());
            return paymentAllocationOrder;
        }).toList();
    }

}