"""UK FCA compliance rules for marketing materials"""

FCA_RULES = {
    "required_disclaimers": [
        {
            "type": "capital_risk",
            "text": ["capital at risk",
                    "you may lose some or all of your investment",
                    "your capital is at risk"],
            "severity": "high"
        },
        {
            "type": "regulatory_status",
            "text": ["regulated by the Financial Conduct Authority",
                    "authorised and regulated by the FCA",
                    "FCA regulated"],
            "severity": "high"
        },
        {
            "type": "past_performance",
            "text": ["past performance is not a reliable indicator of future results",
                    "past performance does not guarantee future returns"],
            "severity": "high"
        }
    ],
    "prohibited_terms": [
        {
            "term": "guaranteed profit",
            "variations": ["secure profit", "assured gains", "guaranteed returns"],
            "severity": "high",
            "context_check": True
        },
        {
            "term": "no risk",
            "variations": ["risk free", "zero risk", "safe investment"],
            "severity": "high",
            "context_check": True
        },
        {
            "term": "secured returns",
            "variations": ["protected returns", "guaranteed income"],
            "severity": "high",
            "context_check": True
        }
    ],
    "channel_specific_rules": {
        "email": {
            "required": ["opt-out mechanism", "firm details"],
            "character_limit": None
        },
        "social": {
            "required": ["#ad", "#financial promotion"],
            "risk_warning_placement": "prominent"
        },
        "print": {
            "required": ["risk warning", "firm details"],
            "font_size_minimum": "10pt",
            "risk_warning_prominence": "no less prominent than main message"
        }
    },
    "risk_scoring": {
        "missing_disclaimer": 4,
        "prohibited_term": 5,
        "misleading_statement": 4,
        "risk_thresholds": {
            "low": 3,
            "medium": 6,
            "high": 9
        }
    },
    "specific_requirements": {
        "retail_investment": {
            "required_elements": ["past performance warning", "balanced message"],
            "restricted_terms": ["tax-free", "guaranteed"]
        },
        "pension_products": {
            "required_elements": ["tax treatment warning", "age restrictions"],
            "restricted_terms": ["pension liberation", "pension loan"]
        }
    }
}