MainWindow.cpp

//main function
#include "MainWindow.h"

#include <QVBoxLayout>
#include <QGridLayout>
#include <QMessageBox>
#include <QListWidgetItem>
#include <algorithm>

using std::vector;
using std::string;

MainWindow::MainWindow(QWidget *parent) : QMainWindow(parent) {
    QWidget *central = new QWidget(this);
    setCentralWidget(central);
    setWindowTitle("Credit Card Optimizer 💳");
    resize(980, 720);

    cardTypeBox = new QComboBox();
    cardTypeBox->addItems({"Travel", "Cashback", "Low Interest", "Student"});

    creditTierBox = new QComboBox();
    creditTierBox->addItems({
        "Poor (300–579)",
        "Fair (580–669)",
        "Good (670–739)",
        "Very Good (740–799)",
        "Excellent (800–850)"
    });
    creditTierBox->setCurrentIndex(2);

    feeTierBox = new QComboBox();
    feeTierBox->addItems({"$0", "Up to $100", "Up to $500", "Up to $1000"});
    feeTierBox->setCurrentIndex(1);

    spendBox = new QComboBox();
    spendBox->addItems({"Groceries", "Dining", "Travel", "Gas", "Online"});

    travelCheck = new QCheckBox("Travel 2+ times per year");
    loungeCheck = new QCheckBox("Lounge access is important");

    showButton = new QPushButton("Show Cards");
    compareButton = new QPushButton("Compare Selected (2–3)");

    detailsHintLabel = new QLabel("(Double click on the name of the card to see details)");
    detailsHintLabel->setWordWrap(true);

    resultsList = new QListWidget();
    resultsList->setSelectionMode(QAbstractItemView::MultiSelection);

    disclaimerLabel = new QLabel(
        "Disclaimer: Results are estimates only. Offers/benefits change and vary by person. "
        "Point transfers may increase value. This app is not affiliated with any issuer."
    );
    disclaimerLabel->setWordWrap(true);

    auto *grid = new QGridLayout();
    int r = 0;

    grid->addWidget(new QLabel("Card Type:"), r, 0);
    grid->addWidget(cardTypeBox, r++, 1);

    grid->addWidget(new QLabel("Credit Tier:"), r, 0);
    grid->addWidget(creditTierBox, r++, 1);

    grid->addWidget(new QLabel("Max Annual Fee:"), r, 0);
    grid->addWidget(feeTierBox, r++, 1);

    grid->addWidget(new QLabel("Biggest Spend:"), r, 0);
    grid->addWidget(spendBox, r++, 1);

    grid->addWidget(travelCheck, r++, 0, 1, 2);
    grid->addWidget(loungeCheck, r++, 0, 1, 2);

    auto *layout = new QVBoxLayout();
    layout->addLayout(grid);
    layout->addWidget(showButton);
    layout->addWidget(detailsHintLabel);
    layout->addWidget(resultsList);
    layout->addWidget(compareButton);
    layout->addWidget(disclaimerLabel);

    central->setLayout(layout);

    connect(showButton, &QPushButton::clicked, this, &MainWindow::showAllCards);
    connect(compareButton, &QPushButton::clicked, this, &MainWindow::compareCards);
    connect(resultsList, &QListWidget::itemDoubleClicked,
            this, &MainWindow::viewDetailsFromItem);

    loadCards();
    resultsList->clear();
}


int MainWindow::userCreditScore() const {
    static int scores[] = {560, 640, 700, 760, 820};
    return scores[creditTierBox->currentIndex()];
}

double MainWindow::userMaxAnnualFee() const {
    static double fees[] = {0, 100, 500, 1000};
    return fees[feeTierBox->currentIndex()];
}

CardType MainWindow::userGoal() const {
    return static_cast<CardType>(cardTypeBox->currentIndex());
}

int MainWindow::userMainSpend() const {
    return spendBox->currentIndex();
}

bool MainWindow::userTravelsOften() const {
    return travelCheck->isChecked();
}

bool MainWindow::userWantsLounge() const {
    return loungeCheck->isChecked();
}

bool MainWindow::isTypeRelevant(const CreditCard &card) const {
    return card.type == userGoal();
}

bool MainWindow::isOptimalForUser(const CreditCard &card) const {
    if (!isTypeRelevant(card)) return false;
    if (card.annualFee > userMaxAnnualFee()) return false;
    if (userCreditScore() < card.creditRange.minScore) return false;
    return true;
}

QString MainWindow::cardTypeToString(CardType t) const {
    switch (t) {
        case TRAVEL: return "Travel";
        case CASHBACK: return "Cashback";
        case LOW_INTEREST: return "Low Interest";
        case STUDENT: return "Student";
        default: return "Unknown";
    }
}

QString MainWindow::buildCardDetailsText(const CreditCard &card) const {
    QString text;

    text += "💳 " + QString::fromStdString(card.name) + "\n";
    text += "Type: " + cardTypeToString(card.type) + "\n";
    text += "Annual Fee: $" + QString::number(card.annualFee, 'f', 0) + "\n";
    text += "Typical Credit Range: " + QString::number(card.creditRange.minScore)
            + "–" + QString::number(card.creditRange.maxScore) + "\n";

    if (!card.minCreditLimit.empty())
        text += "Min Credit Limit: " + QString::fromStdString(card.minCreditLimit) + "\n";
    else
        text += "Min Credit Limit: —\n";

    text += "\nSignup Bonus: " + QString::fromStdString(card.signupBonus) + "\n";
    text += "Cash Equivalent: ~$" + QString::number(card.bonusCashValue, 'f', 0)
            + " (can be higher via transfers)\n\n";

    text += "Rewards Summary: " + QString::fromStdString(card.rewardsSummary) + "\n\n";
    text += "Lounge Access: " + QString(card.loungeAccess ? "Yes" : "No") + "\n";
    text += "Foreign Transaction Fee: " + QString(card.foreignTransactionFee ? "Yes" : "No") + "\n\n";

    text += "Perks:\n";
    for (const auto &perk : card.perks)
        text += " - " + QString::fromStdString(perk) + "\n";

    text += "\nDisclaimer: Verify current terms/benefits on the issuer’s website.\n";
    return text;
}

int MainWindow::scoreCard(const CreditCard &card) const {
    int score = 0;

    const int userScore = userCreditScore();
    const double maxFee = userMaxAnnualFee();

    if (isTypeRelevant(card)) score += 500;
    else score -= 500;

    if (userScore >= card.creditRange.minScore) score += 40;
    else score -= 70;

    if (card.annualFee <= maxFee) score += 35;
    else score -= 60;

    score += static_cast<int>(card.bonusCashValue / 100.0);

    const int spend = userMainSpend();
    auto contains = [&](const string &kw) { return card.rewardsSummary.find(kw) != string::npos; };

    if (spend == 0 && (contains("grocery") || contains("Grocer"))) score += 14;
    if (spend == 1 && (contains("dining") || contains("Dining") || contains("restaurant"))) score += 14;
    if (spend == 2 && (contains("travel") || contains("Travel") || contains("hotel") || contains("flight"))) score += 14;
    if (spend == 3 && (contains("gas") || contains("Gas"))) score += 12;
    if (spend == 4 && (contains("online") || contains("Online") || contains("Amazon"))) score += 10;

    if (card.type == TRAVEL) {
        if (userTravelsOften() && !card.foreignTransactionFee) score += 10;
        if (userTravelsOften() && card.loungeAccess) score += 6;

        if (userWantsLounge()) {
            if (card.loungeAccess) score += 14;
            else score -= 10;
        }
    }

    return score;
}


void MainWindow::showAllCards() {
    resultsList->clear();

    vector<std::pair<int,int>> ranked;
    ranked.reserve(cards.size());

    for (int i = 0; i < (int)cards.size(); i++) {
        ranked.push_back({scoreCard(cards[i]), i});
    }

    std::sort(ranked.begin(), ranked.end(),
              [](const auto &a, const auto &b) { return a.first > b.first; });

    for (const auto &p : ranked) {
        const CreditCard &card = cards[p.second];

        bool relevant = isTypeRelevant(card);
        bool optimal  = isOptimalForUser(card);

        QString label = QString::fromStdString(card.name)
                        + " | Type: " + cardTypeToString(card.type)
                        + " | Fee: $" + QString::number(card.annualFee, 'f', 0);

        if (!relevant) label += " (Irrelevant)";
        else if (!optimal) label += " (Not optimal)";

        auto *item = new QListWidgetItem(label);
        item->setData(Qt::UserRole, p.second);

        if (!relevant || !optimal) item->setForeground(Qt::red);

        resultsList->addItem(item);
    }
}

void MainWindow::viewDetailsFromItem(QListWidgetItem* item) {
    if (!item) return;
    int idx = item->data(Qt::UserRole).toInt();
    if (idx < 0 || idx >= (int)cards.size()) return;

    QMessageBox::information(this, "Card Details", buildCardDetailsText(cards[idx]));
}

void MainWindow::compareCards() {
    auto selected = resultsList->selectedItems();
    if (selected.size() < 2 || selected.size() > 3) {
        QMessageBox::warning(this, "Selection Error", "Please select 2 or 3 cards to compare.");
        return;
    }

    QString text;
    text += "Selected Card Type: " + cardTypeToString(userGoal()) + "\n";
    text += "Credit Tier: " + creditTierBox->currentText() + "\n";
    text += "Max Fee: " + feeTierBox->currentText() + "\n";
    text += "Biggest Spend: " + spendBox->currentText() + "\n\n";

    for (auto *it : selected) {
        int idx = it->data(Qt::UserRole).toInt();
        if (idx < 0 || idx >= (int)cards.size()) continue;

        text += buildCardDetailsText(cards[idx]);
        text += "\n----------------------------------------\n\n";
    }

    text += "Thank you for choosing us.\n";
    QMessageBox::information(this, "Card Comparison", text);
}


void MainWindow::loadCards() {
    cards.clear();



    cards.emplace_back("Chase Sapphire Preferred®", TRAVEL, 95, CreditRange{700,850},
                       "$5,000+ (often Visa Signature tier)",
                       "Points bonus (offer varies)", 750,
                       "Travel + dining rewards", false, false,
                       vector<string>{"Primary rental car coverage", "Trip protections", "Transfer partners"});

    cards.emplace_back("Chase Sapphire Reserve®", TRAVEL, 550, CreditRange{720,850},
                       "$10,000+ (often Visa Infinite tier)",
                       "Points bonus (offer varies)", 900,
                       "Premium travel rewards", true, false,
                       vector<string>{"Travel credit (varies)", "Priority Pass", "Premium protections"});

    cards.emplace_back("Capital One Venture Rewards", TRAVEL, 95, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 750,
                       "Simple travel miles", false, false,
                       vector<string>{"Flexible redemptions", "Transfer options (may apply)"});

    cards.emplace_back("Capital One Venture X", TRAVEL, 395, CreditRange{720,850},
                       "$10,000+ (often Visa Infinite tier)",
                       "Miles bonus (offer varies)", 900,
                       "Premium travel miles + credits", true, false,
                       vector<string>{"Travel credits (varies)", "Lounge access", "Premium perks"});

    cards.emplace_back("American Express® Gold Card", TRAVEL, 325, CreditRange{700,850},
                       "N/A (charge card)",
                       "Points bonus (offer varies)", 900,
                       "Dining + groceries (points)", false, true,
                       vector<string>{"Credits (varies)", "Strong earn on food categories"});

    cards.emplace_back("American Express Platinum Card®", TRAVEL, 895, CreditRange{700,850},
                       "N/A (charge card)",
                       "Points bonus (offer varies)", 1400,
                       "Premium travel perks + lounge focus", true, true,
                       vector<string>{"Airport lounge access", "Credits (varies)", "Premium protections"});

    cards.emplace_back("Wells Fargo Autograph®", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Cash/points bonus (offer varies)", 200,
                       "Broad bonus categories (includes travel)", false, true,
                       vector<string>{"No annual fee", "Broad category rewards"});

    cards.emplace_back("Bilt Mastercard®", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Points on rent (terms vary)", 250,
                       "Rent + travel partners", false, true,
                       vector<string>{"Earn on rent (rules apply)", "Transfer partners (may apply)"});

    cards.emplace_back("Citi Premier® Card", TRAVEL, 95, CreditRange{700,850},
                       "",
                       "Points bonus (offer varies)", 600,
                       "Travel + dining + gas rewards", false, true,
                       vector<string>{"Transfer partners (may apply)", "Good all-round travel card"});

    cards.emplace_back("Bank of America® Premium Rewards®", TRAVEL, 95, CreditRange{700,850},
                       "",
                       "Points bonus (offer varies)", 500,
                       "Simple travel points + credits", false, true,
                       vector<string>{"Travel credit (varies)", "Flexible redemption options"});

    cards.emplace_back("Bank of America® Travel Rewards", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Points bonus (offer varies)", 250,
                       "No annual fee travel points", false, false,
                       vector<string>{"No annual fee", "No foreign transaction fee"});

    cards.emplace_back("U.S. Bank Altitude® Reserve", TRAVEL, 400, CreditRange{720,850},
                       "$10,000+ (often Visa Infinite tier)",
                       "Points bonus (offer varies)", 750,
                       "Travel + mobile wallet rewards", true, false,
                       vector<string>{"Premium perks", "Strong mobile wallet earning"});

    cards.emplace_back("U.S. Bank Altitude® Connect", TRAVEL, 0, CreditRange{700,850},
                       "",
                       "Points bonus (offer varies)", 250,
                       "Travel + gas oriented rewards", false, true,
                       vector<string>{"Travel perks vary", "Good for some travel categories"});

    cards.emplace_back("Capital One VentureOne", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Miles bonus (offer varies)", 200,
                       "No annual fee travel miles", false, true,
                       vector<string>{"No annual fee", "Simple miles structure"});

    cards.emplace_back("Wells Fargo Autograph Journey℠", TRAVEL, 95, CreditRange{700,850},
                       "",
                       "Points bonus (offer varies)", 600,
                       "Travel + dining rewards", false, true,
                       vector<string>{"Travel protections may vary", "Good mid-fee travel option"});

    cards.emplace_back("Chase United℠ Explorer Card", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Miles bonus (offer varies)", 500,
                       "United miles + travel perks", false, true,
                       vector<string>{"Airline perks vary", "Better for loyal flyers"});

    cards.emplace_back("Chase United℠ Quest Card", TRAVEL, 250, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 650,
                       "United-focused travel perks", false, true,
                       vector<string>{"Better for loyal flyers", "Credits/perks vary"});

    cards.emplace_back("Chase United Club℠ Infinite Card", TRAVEL, 525, CreditRange{720,850},
                       "$10,000+ (often Visa Infinite tier)",
                       "Miles bonus (offer varies)", 800,
                       "Premium airline perks + lounge style benefits", true, true,
                       vector<string>{"Premium perks", "Best for heavy airline loyalty"});

    cards.emplace_back("Delta SkyMiles® Gold American Express", TRAVEL, 150, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 450,
                       "Airline miles rewards", false, true,
                       vector<string>{"Airline perks vary", "Good for loyal flyers"});

    cards.emplace_back("Delta SkyMiles® Platinum American Express", TRAVEL, 350, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 650,
                       "Airline perks + miles", false, true,
                       vector<string>{"Benefits vary", "Better for frequent flyers"});

    cards.emplace_back("Citi® / AAdvantage® Platinum Select®", TRAVEL, 99, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 450,
                       "Airline miles rewards", false, true,
                       vector<string>{"Airline perks vary", "Good if loyal to that airline"});

    cards.emplace_back("Barclays AAdvantage® Aviator Red", TRAVEL, 99, CreditRange{700,850},
                       "",
                       "Miles bonus (offer varies)", 500,
                       "Airline miles oriented", false, true,
                       vector<string>{"Airline perks vary", "Good for loyal flyers"});

    cards.emplace_back("JetBlue Plus Card", TRAVEL, 99, CreditRange{700,850},
                       "",
                       "Points bonus (offer varies)", 350,
                       "Airline points rewards", false, true,
                       vector<string>{"Airline perks vary", "Best for loyal flyers"});

    cards.emplace_back("Chase Southwest Rapid Rewards® Plus", TRAVEL, 69, CreditRange{670,850},
                       "",
                       "Points bonus (offer varies)", 400,
                       "Airline co-branded rewards", false, true,
                       vector<string>{"Airline perks vary", "Best if loyal to that airline"});

    cards.emplace_back("Chase Marriott Bonvoy Boundless®", TRAVEL, 95, CreditRange{670,850},
                       "",
                       "Hotel bonus (offer varies)", 450,
                       "Hotel co-branded rewards", false, true,
                       vector<string>{"Hotel perks vary", "Best if you use that brand"});

    cards.emplace_back("Chase World of Hyatt®", TRAVEL, 95, CreditRange{670,850},
                       "",
                       "Hotel bonus (offer varies)", 450,
                       "Hotel co-branded rewards", false, true,
                       vector<string>{"Hotel perks vary", "Best if loyal to that brand"});

    cards.emplace_back("IHG One Rewards Premier", TRAVEL, 99, CreditRange{700,850},
                       "",
                       "Hotel bonus (offer varies)", 450,
                       "Hotel points + perks", false, true,
                       vector<string>{"Better for hotel loyalists", "Benefits vary"});

    cards.emplace_back("Hilton Honors American Express Card", TRAVEL, 0, CreditRange{670,850},
                       "",
                       "Hotel points bonus (offer varies)", 300,
                       "Hotel points rewards", false, true,
                       vector<string>{"No annual fee", "Good entry hotel card"});

    cards.emplace_back("Hilton Honors American Express Surpass®", TRAVEL, 150, CreditRange{700,850},
                       "",
                       "Hotel points bonus (offer varies)", 450,
                       "Hotel points rewards", false, true,
                       vector<string>{"Hotel perks vary", "Better for that ecosystem"});

    // CASHBACK
    cards.emplace_back("Chase Freedom Unlimited®", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Everyday cashback + bonus categories", false, true,
                       vector<string>{"No annual fee", "Simple daily driver"});

    cards.emplace_back("Chase Freedom Flex®", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Rotating cashback categories", false, true,
                       vector<string>{"No annual fee", "Strong when categories match"});

    cards.emplace_back("Discover it® Cash Back", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cashback match/bonus (varies)", 250,
                       "Rotating 5% categories", false, true,
                       vector<string>{"No annual fee", "Rotating categories"});

    cards.emplace_back("Wells Fargo Active Cash®", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Flat-rate cashback style", false, true,
                       vector<string>{"No annual fee", "Simple flat rewards"});

    cards.emplace_back("Citi® Double Cash", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "No bonus (often)", 0,
                       "Flat-rate cashback style", false, true,
                       vector<string>{"No annual fee", "Simple flat rewards"});

    cards.emplace_back("Citi Custom Cash®", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "5% back on top eligible category", false, true,
                       vector<string>{"No annual fee", "Great if one category dominates"});

    cards.emplace_back("Capital One SavorOne", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Dining/entertainment cashback", false, true,
                       vector<string>{"No annual fee", "Good for dining/entertainment"});

    cards.emplace_back("Capital One Quicksilver", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Simple flat cashback", false, true,
                       vector<string>{"No annual fee", "Easy flat rewards"});

    cards.emplace_back("Blue Cash Everyday® (Amex)", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Everyday cashback categories", false, true,
                       vector<string>{"No annual fee", "Everyday category rewards"});

    cards.emplace_back("Blue Cash Preferred® (Amex)", CASHBACK, 95, CreditRange{700,850},
                       "",
                       "Cash bonus (offer varies)", 250,
                       "Strong grocery/streaming cashback", false, true,
                       vector<string>{"Grocery earn cap may apply", "Popular cashback card"});

    cards.emplace_back("U.S. Bank Cash+®", CASHBACK, 0, CreditRange{670,850},
                       "$5,000+ (Visa Signature typical if approved at that tier)",
                       "Cash bonus (offer varies)", 200,
                       "Choose-your-category cashback (terms vary)", false, true,
                       vector<string>{"No annual fee", "Customizable categories (terms vary)"});

    cards.emplace_back("Bank of America® Customized Cash Rewards", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Choose-a-category cashback (terms vary)", false, true,
                       vector<string>{"No annual fee", "Good if one category dominates"});

    cards.emplace_back("Bank of America® Unlimited Cash Rewards", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Flat cashback style", false, true,
                       vector<string>{"No annual fee", "Simple flat rewards"});

    cards.emplace_back("Fidelity® Rewards Visa Signature®", CASHBACK, 0, CreditRange{670,850},
                       "$5,000+ (Visa Signature typical)",
                       "Bonus (offer varies)", 150,
                       "Flat cashback (often 2% style)", false, true,
                       vector<string>{"No annual fee", "Simple flat rewards"});

    cards.emplace_back("PayPal Cashback Mastercard", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Bonus (offer varies)", 100,
                       "Flat cashback style", false, true,
                       vector<string>{"No annual fee", "Simple cashback approach"});

    cards.emplace_back("Apple Card", CASHBACK, 0, CreditRange{660,850},
                       "",
                       "No typical bonus", 0,
                       "Apple Pay oriented cashback", false, true,
                       vector<string>{"Simple UX if in Apple ecosystem", "Cashback varies by purchase type"});

    cards.emplace_back("Amazon Prime Visa", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Gift card/bonus (offer varies)", 150,
                       "Online/Amazon-focused rewards", false, true,
                       vector<string>{"Best for Amazon shoppers", "Rewards depend on program terms"});

    cards.emplace_back("PNC Cash Unlimited®", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cash bonus (offer varies)", 200,
                       "Flat cashback style", false, true,
                       vector<string>{"No annual fee", "Simple flat rewards"});

    cards.emplace_back("Venmo Credit Card", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Bonus (offer varies)", 100,
                       "Top category cashback (terms vary)", false, true,
                       vector<string>{"No annual fee", "Best if one category dominates"});

    cards.emplace_back("Discover it® Chrome", CASHBACK, 0, CreditRange{670,850},
                       "",
                       "Cashback match/bonus (varies)", 200,
                       "Gas + dining oriented cashback", false, true,
                       vector<string>{"No annual fee", "Simple category rewards"});

    cards.emplace_back("U.S. Bank Shopper Cash Rewards®", CASHBACK, 95, CreditRange{700,850},
                       "",
                       "Cash bonus (offer varies)", 250,
                       "Retail-focused cashback (terms vary)", false, true,
                       vector<string>{"Better for specific shopping patterns", "Category terms vary"});

    // LOW INTEREST
    cards.emplace_back("Chase Slate Edge®", LOW_INTEREST, 0, CreditRange{670,850},
                       "",
                       "Intro APR (varies)", 0,
                       "Low interest / intro APR focused", false, true,
                       vector<string>{"Intro APR terms vary", "Useful for balance management"});

    cards.emplace_back("Citi Simplicity®", LOW_INTEREST, 0, CreditRange{670,850},
                       "",
                       "Intro APR (varies)", 0,
                       "Balance transfer / intro APR focus", false, true,
                       vector<string>{"Intro APR terms vary", "Balance transfer terms may apply"});

    cards.emplace_back("Wells Fargo Reflect®", LOW_INTEREST, 0, CreditRange{670,850},
                       "",
                       "Intro APR (varies)", 0,
                       "Long intro APR focus", false, true,
                       vector<string>{"Intro APR terms vary", "Balance transfer may apply"});

    cards.emplace_back("BankAmericard®", LOW_INTEREST, 0, CreditRange{670,850},
                       "",
                       "Intro APR (varies)", 0,
                       "Intro APR + balance transfer focus", false, true,
                       vector<string>{"Intro APR terms vary", "Simple low-interest design"});

    cards.emplace_back("Discover it® Balance Transfer", LOW_INTEREST, 0, CreditRange{670,850},
                       "",
                       "Intro APR (varies)", 0,
                       "Balance transfer + intro APR focus", false, true,
                       vector<string>{"Intro APR terms vary", "Balance transfer fees may apply"});

    // STUDENT
    cards.emplace_back("Discover it® Student Cash Back", STUDENT, 0, CreditRange{620,850},
                       "",
                       "Student bonus/match (varies)", 150,
                       "Student-friendly cashback", false, true,
                       vector<string>{"Student focused", "Free score tools (varies)"});

    cards.emplace_back("Discover it® Student Chrome", STUDENT, 0, CreditRange{620,850},
                       "",
                       "Student match/bonus (varies)", 120,
                       "Student gas + dining cashback", false, true,
                       vector<string>{"Student oriented", "No annual fee"});

    cards.emplace_back("Capital One Quicksilver Student", STUDENT, 0, CreditRange{620,850},
                       "",
                       "Student bonus (varies)", 120,
                       "Student-friendly cashback", false, true,
                       vector<string>{"Student oriented", "Simple rewards"});

    cards.emplace_back("Chase Freedom Rise®", STUDENT, 0, CreditRange{620,850},
                       "",
                       "Bonus (offer varies)", 100,
                       "Entry-level cashback style", false, true,
                       vector<string>{"Good starter card", "No annual fee"});
}