Merge branch 'claude/ecstatic-elgamal'

The health score funded ratio was only reading from the reserve_components
table (replacement_cost), but users enter their reserve data on the
Projects page using estimated_cost. When reserve_components is empty,
the funded ratio now falls back to reserve-funded projects for:
- Total replacement cost (estimated_cost)
- Component funding status (current_fund_balance)
- Urgent components due within 5 years (remaining_life_years)
- AI prompt component detail lines

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/src/modules/health-scores/health-scores.service.ts

@@ -220,6 +220,14 @@ export class HealthScoresService {
         missing.push(`No budget found for ${year}. Upload or create an annual budget.`);
       }
 
+      // Should have reserve components (warn but don't block)
+      const components = await qr.query(
+        `SELECT COUNT(*) as cnt FROM reserve_components`,
+      );
+      if (parseInt(components[0].cnt) === 0) {
+        missing.push('No reserve components found. Add reserve components (roof, parking, pool, etc.) with replacement costs for an accurate funded-ratio calculation.');
+      }
+
       // Should have capital projects (warn but don't block)
       const projects = await qr.query(
         `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true`,
@@ -558,10 +566,12 @@ export class HealthScoresService {
         FROM reserve_components
         ORDER BY remaining_life_years ASC NULLS LAST
       `),
-      // Capital projects
+      // Capital projects (include component-level fields for funded ratio when reserve_components is empty)
       qr.query(`
-        SELECT name, estimated_cost, target_year, target_month, fund_source,
+        SELECT name, estimated_cost, actual_cost, target_year, target_month, fund_source,
-          status, priority, current_fund_balance, funded_percentage
+          status, priority, current_fund_balance, funded_percentage,
+          category, useful_life_years, remaining_life_years, condition_rating,
+          annual_contribution
         FROM projects
         WHERE is_active = true AND status IN ('planned', 'approved', 'in_progress')
         ORDER BY target_year, target_month NULLS LAST
@@ -596,11 +606,19 @@ export class HealthScoresService {
 
     const totalReserveFund = reserveCash + totalInvestments;
 
-    const totalReplacementCost = reserveComponents
+    // Use reserve_components for funded ratio when available; fall back to
-      .reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0);
+    // reserve-funded projects (which carry the same estimated_cost / lifecycle
+    // fields that users actually populate on the Projects page).
+    const reserveProjects = projects.filter((p: any) => p.fund_source === 'reserve');
+    const useComponentsTable = reserveComponents.length > 0;
 
-    const totalComponentFunded = reserveComponents
+    const totalReplacementCost = useComponentsTable
-      .reduce((s: number, c: any) => s + parseFloat(c.current_fund_balance || '0'), 0);
+      ? reserveComponents.reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0)
+      : reserveProjects.reduce((s: number, p: any) => s + parseFloat(p.estimated_cost || '0'), 0);
+
+    const totalComponentFunded = useComponentsTable
+      ? reserveComponents.reduce((s: number, c: any) => s + parseFloat(c.current_fund_balance || '0'), 0)
+      : reserveProjects.reduce((s: number, p: any) => s + parseFloat(p.current_fund_balance || '0'), 0);
 
     const percentFunded = totalReplacementCost > 0 ? (totalReserveFund / totalReplacementCost) * 100 : 0;
 
@@ -615,9 +633,13 @@ export class HealthScoresService {
       .filter((b: any) => b.account_type === 'expense')
       .reduce((s: number, b: any) => s + parseFloat(b.annual_total || '0'), 0);
 
-    // Components needing replacement within 5 years
+    // Components needing replacement within 5 years — use whichever source has data
-    const urgentComponents = reserveComponents.filter(
+    const urgentComponents = useComponentsTable
+      ? reserveComponents.filter(
           (c: any) => c.remaining_life_years !== null && parseFloat(c.remaining_life_years) <= 5,
+        )
+      : reserveProjects.filter(
+          (p: any) => p.remaining_life_years !== null && parseFloat(p.remaining_life_years) <= 5,
         );
 
     // ── Build 12-month forward reserve cash flow projection ──
@@ -749,6 +771,7 @@ export class HealthScoresService {
       accounts,
       investments,
       reserveComponents,
+      reserveProjects,
       projects,
       budgets,
       assessments,
@@ -959,13 +982,15 @@ Provide 3-5 factors and 1-3 actionable recommendations. Be specific with dollar
           `- ${i.name} | ${i.investment_type} @ ${i.institution} | $${parseFloat(i.current_value || i.principal || '0').toFixed(2)} | Rate: ${parseFloat(i.interest_rate || '0').toFixed(2)}% | Maturity: ${i.maturity_date ? new Date(i.maturity_date).toLocaleDateString() : 'N/A'}`,
         ).join('\n');
 
-    const componentLines = data.reserveComponents.length === 0
+    // Build component lines from reserve_components if available, otherwise from reserve-funded projects
-      ? 'No reserve components tracked.'
+    const componentSource = data.reserveComponents.length > 0 ? data.reserveComponents : data.reserveProjects;
-      : data.reserveComponents.map((c: any) => {
+    const componentLines = componentSource.length === 0
-          const cost = parseFloat(c.replacement_cost || '0');
+      ? 'No reserve components or reserve projects tracked.'
+      : componentSource.map((c: any) => {
+          const cost = parseFloat(c.replacement_cost || c.estimated_cost || '0');
           const funded = parseFloat(c.current_fund_balance || '0');
           const pct = cost > 0 ? ((funded / cost) * 100).toFixed(0) : '0';
-          return `- ${c.name} [${c.category}] | Life: ${c.useful_life_years}yr, Remaining: ${c.remaining_life_years}yr | Cost: $${cost.toFixed(0)} | Funded: $${funded.toFixed(0)} (${pct}%) | Condition: ${c.condition_rating}/10 | Annual Contribution: $${parseFloat(c.annual_contribution || '0').toFixed(0)}`;
+          return `- ${c.name} [${c.category || 'N/A'}] | Life: ${c.useful_life_years || '?'}yr, Remaining: ${c.remaining_life_years || '?'}yr | Cost: $${cost.toFixed(0)} | Funded: $${funded.toFixed(0)} (${pct}%) | Condition: ${c.condition_rating || '?'}/10 | Annual Contribution: $${parseFloat(c.annual_contribution || '0').toFixed(0)}`;
         }).join('\n');
 
     const projectLines = data.projects.length === 0
@@ -981,7 +1006,7 @@ Provide 3-5 factors and 1-3 actionable recommendations. Be specific with dollar
     const urgentLines = data.urgentComponents.length === 0
       ? 'None — no components due within 5 years.'
       : data.urgentComponents.map((c: any) => {
-          const cost = parseFloat(c.replacement_cost || '0');
+          const cost = parseFloat(c.replacement_cost || c.estimated_cost || '0');
           const funded = parseFloat(c.current_fund_balance || '0');
           const gap = cost - funded;
           return `- ${c.name}: ${c.remaining_life_years} years remaining, $${gap.toFixed(0)} funding gap`;
@@ -997,8 +1022,8 @@ Reserve Cash (bank accounts): $${data.reserveCash.toFixed(2)}
 Reserve Investments: $${data.totalInvestments.toFixed(2)}
 Total Reserve Fund: $${data.totalReserveFund.toFixed(2)}
 
-Total Replacement Cost (all components): $${data.totalReplacementCost.toFixed(2)}
+Total Replacement Cost (all components): ${data.totalReplacementCost > 0 ? '$' + data.totalReplacementCost.toFixed(2) : '$0.00 (no reserve components entered — funded ratio cannot be calculated)'}
-Percent Funded: ${data.percentFunded.toFixed(1)}%
+Percent Funded: ${data.totalReplacementCost > 0 ? data.percentFunded.toFixed(1) + '%' : 'N/A — no reserve components with replacement costs have been entered. Do NOT report a 0% funded ratio; instead note that funded ratio is unavailable due to missing component data.'}
 
 Annual Reserve Contribution (budgeted income): $${data.annualReserveContribution.toFixed(2)}
 Annual Reserve Expenses (budgeted): $${data.annualReserveExpenses.toFixed(2)}