/**
 * Generates text content for assessment notices based on type and settings.
 * 
 * @param {string} type - 'reminder' or 'final'
 * @param {object} settings - Global settings object containing association info
 * @returns {object} - Object containing title and content paragraphs
 */
export const getNoticeContent = (type, settings) => {
  const isFinal = type === 'final';

  return {
    title: isFinal ? "FINAL NOTICE - PAST DUE ACCOUNT" : "REMINDER NOTICE - ACCOUNT BALANCE DUE",
    
    intro: isFinal 
      ? `This letter serves as a FINAL NOTICE regarding your outstanding balance with ${settings.associationName}. Despite previous reminders, our records indicate that your account remains delinquent.`
      : `This letter serves as a reminder that your account with ${settings.associationName} is past due. We have not yet received payment for the outstanding assessments. Maintaining the financial health of our community relies on the timely payment of assessments by all owners.`,
    
    consequences: isFinal
      ? `Immediate payment of the total amount due is required to bring your account current. Failure to remit payment immediately may result in further collection action against your property, which can include the recording of a lien, legal fees, interest, and negative credit reporting as permitted by the Association's governing documents and applicable law.`
      : `Please remit payment immediately to avoid further collection action, which may include late fees, interest, and legal costs as outlined in the Association's governing documents.`,

    contact: isFinal
      ? `We urge you to treat this matter with urgency to prevent additional costs. If you have already sent your payment, please disregard this notice. If you dispute this debt or need to verify the amount, contact our management office immediately at ${settings.managementPhone} or via email at ${settings.managementEmail}.`
      : `If you have already sent your payment, please disregard this notice. If you have questions regarding your account or believe this notice is in error, please contact our management office immediately at ${settings.managementPhone} or via email at ${settings.managementEmail}.`,

    instructions: `Please make checks payable to ${settings.associationName} and mail to the address listed above. Be sure to include your account number or property address on your check.`
  };
};