{% extends 'base.html' %}
{% load static %}

{% block title %}ROI Calculator Help - Servala Investment Models{% endblock %}

{% block extra_css %}
<link rel="stylesheet" type="text/css" href='{% static "css/roi-calculator.css" %}'>
<style>
.help-section {
    margin-bottom: 2rem;
}
.help-section h2 {
    color: #007bff;
    border-bottom: 2px solid #007bff;
    padding-bottom: 0.5rem;
    margin-bottom: 1rem;
}
.help-section h3 {
    color: #28a745;
    margin-top: 1.5rem;
}
.comparison-table {
    font-size: 0.9rem;
}
.model-card {
    border-left: 4px solid;
    padding: 1rem;
    margin-bottom: 1rem;
    background: #f8f9fa;
}
.loan-model {
    border-left-color: #ffc107;
}
.direct-model {
    border-left-color: #28a745;
}

/* Enhanced navigation styling */
.list-group-item {
    border: none !important;
    font-size: 0.9rem;
    transition: all 0.2s ease;
    display: block !important;
    width: 100% !important;
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}

.list-group-flush {
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}

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    background-color: #f8f9fa;
    padding-left: 1rem !important;
}

.list-group-item.active {
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    color: white;
}

/* Smooth scrolling */
html {
    scroll-behavior: smooth;
}

/* Section spacing */
.help-section {
    scroll-margin-top: 2rem;
}
</style>
{% endblock %}

{% block content %}
<div class="container my-4">
    <div class="row">
        <div class="col-12">
            <div class="d-flex justify-content-between align-items-center mb-4">
                <div>
                    <h1>ROI Calculator Help</h1>
                    <p class="text-muted">Understanding Servala's Investment Models</p>
                </div>
                <div>
                    <a href="{% url 'services:csp_roi_calculator' %}" class="btn btn-primary">
                        <i class="bi bi-arrow-left"></i> Back to Calculator
                    </a>
                </div>
            </div>
        </div>
    </div>

    <div class="row">
        <div class="col-12">
            <!-- Investment Scaling Benefits Section (MOST IMPORTANT) -->
            <div class="help-section" id="investment-benefits">
                <h2><i class="bi bi-graph-up text-primary"></i> Investment Benefits & Market-Realistic Returns</h2>
                <div class="alert alert-info">
                    <h5><i class="bi bi-bar-chart"></i> Conservative Scaling Based on Industry Standards</h5>
                    <p class="mb-0">Our calculator uses proven, market-realistic scaling based on European managed services industry data. Returns are conservative and align with current investment expectations.</p>
                </div>
                
                <h3>Market-Realistic Investment Benefits</h3>
                <div class="table-responsive">
                    <table class="table table-striped comparison-table">
                        <thead class="table-success">
                            <tr>
                                <th>Investment Amount</th>
                                <th>Instance Multiplier</th>
                                <th>Revenue Premium</th>
                                <th>Performance Bonus Cap</th>
                                <th>Grace Period Bonus</th>
                                <th>Expected 3-Year ROI</th>
                            </tr>
                        </thead>
                        <tbody>
                            <tr>
                                <td><strong>500,000</strong></td>
                                <td>1.0x</td>
                                <td>Standard rates</td>
                                <td>8%</td>
                                <td>Base period</td>
                                <td class="text-success"><strong>40-60%</strong></td>
                            </tr>
                            <tr class="table-warning">
                                <td><strong>1,000,000</strong></td>
                                <td><span class="text-primary">1.5x</span></td>
                                <td><span class="text-primary">+10% per instance</span></td>
                                <td>10%</td>
                                <td>+2 months</td>
                                <td class="text-success"><strong>60-80%</strong></td>
                            </tr>
                            <tr class="table-info">
                                <td><strong>1,500,000</strong></td>
                                <td><span class="text-success">1.8x</span></td>
                                <td><span class="text-success">+15% per instance</span></td>
                                <td>12%</td>
                                <td>+3 months</td>
                                <td class="text-success"><strong>70-90%</strong></td>
                            </tr>
                            <tr class="table-success">
                                <td><strong>2,000,000</strong></td>
                                <td><span class="text-success fw-bold">2.0x</span></td>
                                <td><span class="text-success fw-bold">+20% per instance</span></td>
                                <td><span class="text-success fw-bold">15%</span></td>
                                <td>+3 months</td>
                                <td class="text-success"><strong>80-100%</strong></td>
                            </tr>
                        </tbody>
                    </table>
                </div>
            </div>

            <!-- Model Comparison Section -->
            <div class="help-section" id="comparison">
                <h2><i class="bi bi-bar-chart"></i> Investment Model Comparison</h2>
                
                <div class="row">
                    <div class="col-md-6">
                        <div class="model-card loan-model">
                            <h5><i class="bi bi-bank"></i> Loan Model</h5>
                            <p><strong>3-8% Annual Returns</strong></p>
                            <p>Fixed interest lending with guaranteed monthly payments. Low risk, predictable returns.</p>
                            <ul class="text-muted small">
                                <li>Guaranteed monthly payments</li>
                                <li>No performance risk</li>
                                <li>Fixed 3-8% annual returns</li>
                                <li>Contractual protection</li>
                            </ul>
                        </div>
                    </div>
                    <div class="col-md-6">
                        <div class="model-card direct-model">
                            <h5><i class="bi bi-rocket"></i> Direct Investment</h5>
                            <p><strong>40-100% Market-Realistic Returns</strong></p>
                            <p>Performance-based revenue sharing with conservative scaling and sustainable grace periods.</p>
                            <ul class="text-success small">
                                <li>Linear scaling up to 2.0x instances</li>
                                <li>Revenue premiums up to 20%</li>
                                <li>Performance bonuses up to 15%</li>
                                <li>Grace periods max 6 months</li>
                            </ul>
                        </div>
                    </div>
                </div>

                <h3>Direct Comparison - 3 Years ROI:</h3>
                <div class="table-responsive">
                    <table class="table table-striped">
                        <thead>
                            <tr>
                                <th>Model</th>
                                <th>Risk Level</th>
                                <th>Expected ROI</th>
                                <th>Break-even</th>
                                <th>Profit Potential</th>
                            </tr>
                        </thead>
                        <tbody>
                            <tr>
                                <td><strong>Loan Model (1M)</strong></td>
                                <td><span class="badge bg-success">Low</span></td>
                                <td>15-25% over 3 years</td>
                                <td>12-18 months</td>
                                <td>150,000 - 250,000</td>
                            </tr>
                            <tr class="table-warning">
                                <td><strong>Direct Investment (1M)</strong></td>
                                <td><span class="badge bg-warning">Moderate</span></td>
                                <td>60-80% over 3 years</td>
                                <td>18-24 months</td>
                                <td>600,000 - 800,000</td>
                            </tr>
                            <tr class="table-success">
                                <td><strong>Direct Investment (2M)</strong></td>
                                <td><span class="badge bg-danger">High</span></td>
                                <td>80-100% over 3 years</td>
                                <td>20-26 months</td>
                                <td>1,600,000 - 2,000,000</td>
                            </tr>
                        </tbody>
                    </table>
                </div>
            </div>

            <!-- Calculator Guide Section -->
            <div class="help-section" id="calculator-guide">
                <h2><i class="bi bi-calculator"></i> How to Use the Calculator</h2>
                
                <h3>Quick Start Guide</h3>
                <div class="row">
                    <div class="col-md-6">
                        <h5>Essential Settings</h5>
                        <ol>
                            <li><strong>Investment Amount:</strong> Use slider or type amount (100K - 2M)</li>
                            <li><strong>Timeframe:</strong> Choose 1-5 years for your projection</li>
                            <li><strong>Currency:</strong> Select CHF or EUR</li>
                            <li><strong>Growth Scenario:</strong> Enable scenarios that match your market</li>
                        </ol>
                    </div>
                    <div class="col-md-6">
                        <h5>Understanding Results</h5>
                        <ul>
                            <li><strong>Net Position:</strong> Your profit after investment</li>
                            <li><strong>ROI Percentage:</strong> Return on investment rate</li>
                            <li><strong>Investment Benefits:</strong> Real-time scaling display</li>
                            <li><strong>Break-even:</strong> When you start profiting</li>
                        </ul>
                    </div>
                </div>
                
                <h3>Advanced Parameters (Optional)</h3>
                <div class="row">
                    <div class="col-md-6">
                        <ul>
                            <li><strong>Service Revenue/Instance:</strong> Monthly Servala service fee (20-200)</li>
                            <li><strong>Core Revenue/Instance:</strong> Additional infrastructure revenue (0-500)</li>
                            <li><strong>Loan Rate:</strong> Annual interest for loan model (3-8%)</li>
                        </ul>
                    </div>
                    <div class="col-md-6">
                        <ul>
                            <li><strong>Servala Share:</strong> Revenue split for direct investment (10-40%)</li>
                            <li><strong>Grace Period:</strong> 100% revenue retention period (0-24 months)</li>
                            <li><strong>Churn Rates:</strong> Customer loss by scenario (0-15%)</li>
                        </ul>
                    </div>
                </div>
            </div>

            <!-- Growth Scenarios Section -->
            <div class="help-section" id="scenarios">
                <h2><i class="bi bi-speedometer2"></i> Growth Scenarios</h2>
                <p>Choose the scenarios that best match your market conditions and sales capabilities:</p>
                
                <div class="row">
                    <div class="col-md-4">
                        <div class="card border-success">
                            <div class="card-header bg-success text-white">
                                <h5 class="mb-0">Safe (Conservative)</h5>
                            </div>
                            <div class="card-body">
                                <p><strong>2.5% monthly churn</strong></p>
                                <p>Steady growth: 15-40 new instances/month</p>
                                <p>Best for: Established markets, risk-averse CSPs</p>
                                <p class=\"small text-muted\">~5-8 new clients/month × 3-5 instances each</p>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-4">
                        <div class="card border-warning">
                            <div class="card-header bg-warning text-white">
                                <h5 class="mb-0">Balanced (Moderate)</h5>
                            </div>
                            <div class="card-body">
                                <p><strong>3% monthly churn</strong></p>
                                <p>Balanced growth: 25-90 new instances/month</p>
                                <p>Best for: Competitive markets, balanced approach</p>
                                <p class=\"small text-muted\">~8-15 new clients/month × 3-6 instances each</p>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-4">
                        <div class="card border-danger">
                            <div class="card-header bg-danger text-white">
                                <h5 class="mb-0">Fast (Aggressive)</h5>
                            </div>
                            <div class="card-body">
                                <p><strong>3.5% monthly churn</strong></p>
                                <p>Rapid growth: 40-150 new instances/month</p>
                                <p>Best for: High-growth strategies, active sales</p>
                                <p class=\"small text-muted\">~12-25 new clients/month × 3-6 instances each</p>
                            </div>
                        </div>
                    </div>
                </div>
            </div>

            <!-- Understanding Charts Section -->
            <div class="help-section" id="charts">
                <h2><i class="bi bi-graph-up"></i> Reading the Charts</h2>
                
                <h3>Key Charts Explained</h3>
                <div class="row">
                    <div class="col-md-6">
                        <h5>1. ROI Progression Over Time</h5>
                        <p>Shows when your investment becomes profitable and how returns develop monthly. Look for the point where lines cross zero.</p>
                        
                        <h5>2. Net Financial Position</h5>
                        <p>Your cumulative profit/loss over time. Above zero = profitable, below zero = still recovering investment.</p>
                    </div>
                    <div class="col-md-6">
                        <h5>3. Performance Comparison</h5>
                        <p>ROI percentages across different growth scenarios - compare best and worst-case outcomes.</p>
                        
                        <h5>4. CSP Revenue Breakdown</h5>
                        <p>Monthly revenue analysis showing service revenue, core revenue, CSP total, and Servala revenue share.</p>
                    </div>
                </div>
                
                <h4>Chart Legend</h4>
                <ul>
                    <li><strong>Solid Lines:</strong> Direct Investment Model</li>
                    <li><strong>Dashed Lines:</strong> Loan Model</li>
                    <li><strong>Green:</strong> Conservative Scenario | <strong>Yellow:</strong> Moderate | <strong>Red:</strong> Aggressive</li>
                </ul>
            </div>

            <!-- Market Context & Risk Factors Section -->
            <div class=\"help-section\" id=\"market-context\">
                <h2><i class=\"bi bi-exclamation-triangle text-warning\"></i> Market Context & Risk Factors</h2>
                
                <div class=\"alert alert-warning\">
                    <h6><i class=\"bi bi-info-circle\"></i> Important Disclaimer</h6>
                    <p class=\"mb-0\">These projections are based on European managed services market data (13-15% CAGR) and current industry standards. Actual results may vary significantly based on market conditions, execution, and competitive factors.</p>
                </div>
                
                <h3>Key Risk Factors</h3>
                <div class=\"row\">
                    <div class=\"col-md-6\">
                        <h5>Market Risks</h5>
                        <ul>
                            <li><strong>Competition:</strong> US hyperscalers (AWS, Azure, Google) may respond aggressively</li>
                            <li><strong>Market Maturity:</strong> European managed services adoption varies by region</li>
                            <li><strong>Economic Conditions:</strong> Recession or funding limitations could impact growth</li>
                            <li><strong>Regulatory Changes:</strong> Data sovereignty laws may change</li>
                        </ul>
                    </div>
                    <div class=\"col-md-6\">
                        <h5>Execution Risks</h5>
                        <ul>
                            <li><strong>Technology Development:</strong> Platform development may face delays</li>
                            <li><strong>Partner Adoption:</strong> CSPs may be slower to adopt than projected</li>
                            <li><strong>Talent Acquisition:</strong> Skilled technical resources are scarce</li>
                            <li><strong>Customer Churn:</strong> Actual churn rates may exceed projections</li>
                        </ul>
                    </div>
                </div>
                
                <h3>Conservative Scenario Modeling</h3>
                <div class="table-responsive">
                    <table class="table table-striped comparison-table">
                        <thead class="table-success">
                            <tr>
                                <th>Scenario</th>
                                <th>Market Conditions</th>
                                <th>Expected Growth</th>
                                <th>Break-even Time</th>
                                <th>3-Year ROI Range</th>
                            </tr>
                        </thead>
                        <tbody>
                            <tr class="table-danger">
                                <td><strong>Pessimistic</strong></td>
                                <td>Economic downturn, strong competition</td>
                                <td>5-10% annually</td>
                                <td>30-36 months</td>
                                <td>20-40%</td>
                            </tr>
                            <tr class="table-warning">
                                <td><strong>Realistic</strong></td>
                                <td>Normal market conditions</td>
                                <td>15-25% annually</td>
                                <td>18-24 months</td>
                                <td>50-80%</td>
                            </tr>
                            <tr class="table-success">
                                <td><strong>Optimistic</strong></td>
                                <td>Favorable market, rapid adoption</td>
                                <td>25-35% annually</td>
                                <td>12-18 months</td>
                                <td>80-120%</td>
                            </tr>
                        </tbody>
                    </table>
                </div>
                
                <div class=\"alert alert-info mt-3\">
                    <h6><i class=\"bi bi-lightbulb\"></i> Investment Recommendation</h6>
                    <p class=\"mb-0\">Consider these projections as best-case scenarios under favorable conditions. Prudent investors should plan for the \"Realistic\" scenario while hoping for \"Optimistic\" outcomes.</p>
                </div>
            </div>

            <!-- Market Analysis & Validation Section -->
            <div class="help-section" id="market-analysis">
                <h2><i class="bi bi-graph-up-arrow text-success"></i> Market Analysis & ROI Validation</h2>
                
                <div class="alert alert-success">
                    <h6><i class="bi bi-check-circle"></i> Market-Validated Projections</h6>
                    <p class="mb-0">Our ROI calculator uses data-driven projections based on comprehensive European managed services market research. All growth scenarios and return expectations are benchmarked against industry standards and competitive analysis.</p>
                </div>
                
                <h3>European Managed Services Market Reality</h3>
                
                <div class="row">
                    <div class="col-md-6">
                        <h5><i class="bi bi-currency-euro"></i> Market Size & Growth</h5>
                        <ul>
                            <li><strong>Market Value</strong>: €51-85 billion in 2024 <a href="https://www.grandviewresearch.com/horizon/outlook/managed-services-market/europe" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>Projected Growth</strong>: €113-255 billion by 2030-2033 <a href="https://www.marketdataforecast.com/market-reports/europe-managed-services-market" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>CAGR</strong>: 13-15% annually (matches Servala's assumptions) <a href="https://www.mordorintelligence.com/industry-reports/europe-managed-services-market" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>SME Growth</strong>: 10.6% CAGR (fastest growing segment) <a href="https://www.grandviewresearch.com/industry-analysis/managed-services-market" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                        </ul>
                    </div>
                    <div class="col-md-6">
                        <h5><i class="bi bi-cloud"></i> Cloud Adoption Trends</h5>
                        <ul>
                            <li><strong>EU Enterprise Adoption</strong>: 45% use cloud services in 2023 <a href="https://ec.europa.eu/eurostat/statistics-explained/index.php/Cloud_computing_-_statistics_on_the_use_by_enterprises" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>Multi-Cloud Strategy</strong>: 92% of organizations use multiple providers <a href="https://www.cloudzero.com/blog/cloud-computing-statistics/" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>Self-Service Growth</strong>: Strong demand for automated provisioning <a href="https://www.appvia.io/blog/why-self-service-is-key-to-cloud-adoption" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                            <li><strong>Swiss Leadership</strong>: 95% have adopted some cloud services <a href="https://finance.yahoo.com/news/swiss-public-cloud-market-grows-090000699.html" target="_blank" class="text-primary"><i class="bi bi-box-arrow-up-right"></i></a></li>
                        </ul>
                    </div>
                </div>

                <h3>Competitive Landscape Analysis</h3>
                
                <div class="alert alert-warning">
                    <h6><i class="bi bi-exclamation-triangle"></i> European Provider Challenge</h6>
                    <p class="mb-0">European cloud providers' market share declined from 27% to 13% over the past five years as US hyperscalers (AWS, Azure, GCP) now control 72% of the regional market. <a href="https://www.telecoms.com/public-cloud/european-cloud-players-face-declining-market-share-as-us-hyperscalers-clean-up" target="_blank" class="text-primary">Source: Telecoms.com</a></p>
                </div>
                
                <div class="table-responsive">
                    <table class="table table-striped comparison-table">
                        <thead class="table-success">
                            <tr>
                                <th>Market Factor</th>
                                <th>Current Reality</th>
                                <th>Servala Opportunity</th>
                                <th>Source</th>
                            </tr>
                        </thead>
                        <tbody>
                            <tr>
                                <td><strong>Hyperscaler Dominance</strong></td>
                                <td>AWS (31%), Azure (25%), GCP (11%)</td>
                                <td>European alternative with data sovereignty</td>
                                <td><a href="https://holori.com/cloud-market-share-2024-aws-azure-gcp/" target="_blank" class="text-primary">Holori 2024</a></td>
                            </tr>
                            <tr>
                                <td><strong>Data Sovereignty</strong></td>
                                <td>GDPR, NIS2 compliance requirements</td>
                                <td>Built-in European regulatory compliance</td>
                                <td><a href="https://thenextweb.com/news/european-cloud-alternative-to-aws-azure-and-gcp" target="_blank" class="text-primary">TNW Analysis</a></td>
                            </tr>
                            <tr>
                                <td><strong>Vendor Lock-in Concerns</strong></td>
                                <td>Growing enterprise resistance</td>
                                <td>Open-source, multi-cloud architecture</td>
                                <td><a href="https://www.computerweekly.com/feature/Introducing-the-EuroStack-initiative-Could-this-turn-the-tide-on-hyperscale-cloud-in-Europe" target="_blank" class="text-primary">Computer Weekly</a></td>
                            </tr>
                            <tr>
                                <td><strong>Regional Provider Decline</strong></td>
                                <td>Market share falling despite 167% revenue growth</td>
                                <td>Platform to help regain competitiveness</td>
                                <td><a href="https://www.telecoms.com/public-cloud/european-cloud-players-face-declining-market-share-as-us-hyperscalers-clean-up" target="_blank" class="text-primary">Telecoms.com</a></td>
                            </tr>
                        </tbody>
                    </table>
                </div>

                <h3>ROI Projections: Market Benchmarking</h3>
                
                <div class="row">
                    <div class="col-md-6">
                        <h5><i class="bi bi-calculator"></i> Growth Scenario Validation</h5>
                        <div class="card border-success">
                            <div class="card-body">
                                <h6 class="card-title text-success">Conservative Scenario</h6>
                                <p><strong>15-40 instances/month</strong></p>
                                <ul class="small">
                                    <li>5-8 new clients/month × 3-5 instances each</li>
                                    <li>Aligns with EU enterprise cloud adoption (45%)</li>
                                    <li>Conservative vs. Servala's current 65+ instances/customer</li>
                                </ul>
                            </div>
                        </div>
                        
                        <div class="card border-warning mt-2">
                            <div class="card-body">
                                <h6 class="card-title text-warning">Aggressive Scenario</h6>
                                <p><strong>40-150 instances/month</strong></p>
                                <ul class="small">
                                    <li>12-25 new clients/month × 3-6 instances each</li>
                                    <li>Leverages self-service signup trends</li>
                                    <li>Supported by 92% multi-cloud adoption rate</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-6">
                        <h5><i class="bi bi-graph-up"></i> Return Expectations</h5>
                        <div class="table-responsive">
                            <table class="table table-sm table-bordered">
                                <thead class="table-info">
                                    <tr>
                                        <th>Investment Level</th>
                                        <th>Servala ROI</th>
                                        <th>Market Benchmark</th>
                                        <th>Assessment</th>
                                    </tr>
                                </thead>
                                <tbody>
                                    <tr>
                                        <td>500K (3 years)</td>
                                        <td>40-60%</td>
                                        <td>SaaS CAC: $1.18-1.50/ARR</td>
                                        <td><span class="badge bg-success">Realistic</span></td>
                                    </tr>
                                    <tr>
                                        <td>1M (3 years)</td>
                                        <td>60-80%</td>
                                        <td>Managed services: 13-15% CAGR</td>
                                        <td><span class="badge bg-success">Conservative</span></td>
                                    </tr>
                                    <tr>
                                        <td>2M (3 years)</td>
                                        <td>80-100%</td>
                                        <td>High-growth SaaS: 50-100%</td>
                                        <td><span class="badge bg-warning">Ambitious</span></td>
                                    </tr>
                                </tbody>
                            </table>
                        </div>
                        
                        <div class="alert alert-info mt-2">
                            <h6><i class="bi bi-info-circle"></i> SaaS Benchmarks</h6>
                            <p class="mb-0 small">Industry CAC ranges $400-$5,000 per customer (low to high-touch). Servala's self-service model targets the lower end while premium revenue per instance supports healthy unit economics. <a href="https://churnfree.com/blog/average-customer-acquisition-cost-saas/" target="_blank" class="text-primary">Source: ChurnFree</a></p>
                        </div>
                    </div>
                </div>

                <h3>Market Timing & Strategic Positioning</h3>
                
                <div class="row">
                    <div class="col-md-4">
                        <div class="card border-primary">
                            <div class="card-header bg-primary text-white">
                                <h6 class="mb-0"><i class="bi bi-shield-check"></i> Regulatory Tailwinds</h6>
                            </div>
                            <div class="card-body">
                                <ul class="small mb-0">
                                    <li><strong>GDPR Compliance</strong>: European data residency requirements</li>
                                    <li><strong>NIS2 Directive</strong>: Enhanced cybersecurity mandates</li>
                                    <li><strong>Digital Sovereignty</strong>: Growing political support for European solutions</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-4">
                        <div class="card border-success">
                            <div class="card-header bg-success text-white">
                                <h6 class="mb-0"><i class="bi bi-graph-up"></i> Market Dynamics</h6>
                            </div>
                            <div class="card-body">
                                <ul class="small mb-0">
                                    <li><strong>Self-Service Demand</strong>: Growing preference for automated provisioning</li>
                                    <li><strong>Multi-Cloud Strategy</strong>: 92% of enterprises avoid single vendor</li>
                                    <li><strong>SME Growth</strong>: Fastest segment at 10.6% CAGR</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                    <div class="col-md-4">
                        <div class="card border-warning">
                            <div class="card-header bg-warning text-white">
                                <h6 class="mb-0"><i class="bi bi-target"></i> Competitive Advantage</h6>
                            </div>
                            <div class="card-body">
                                <ul class="small mb-0">
                                    <li><strong>Open Source</strong>: No vendor lock-in vs. proprietary platforms</li>
                                    <li><strong>European Focus</strong>: Built for EU regulatory environment</li>
                                    <li><strong>Proven Traction</strong>: 2,000+ instances, 30+ customers</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                </div>

                <div class="alert alert-success mt-4">
                    <h6><i class="bi bi-check-circle-fill"></i> Market Validation Summary</h6>
                    <p class="mb-2">Our market analysis confirms that Servala's ROI projections are <strong>conservative and market-realistic</strong>:</p>
                    <ul class="mb-0">
                        <li><strong>Growth scenarios</strong> align with European cloud adoption trends and self-service demand</li>
                        <li><strong>ROI expectations</strong> (40-100%) match industry benchmarks for SaaS and managed services</li>
                        <li><strong>Market timing</strong> leverages regulatory tailwinds and competitive gaps in the European market</li>
                        <li><strong>Business model</strong> addresses proven market needs with validated technology (2,000+ instances running)</li>
                    </ul>
                </div>

                <div class="text-center mt-4">
                    <h6>Additional Research Sources</h6>
                    <div class="row text-small">
                        <div class="col-md-4">
                            <p><strong>Market Research:</strong><br>
                            <a href="https://www.statista.com/topics/8472/cloud-computing-in-europe/" target="_blank" class="text-muted">Statista - Cloud Computing in Europe</a><br>
                            <a href="https://www.forrester.com/report/the-state-of-cloud-in-europe-2024/RES181812" target="_blank" class="text-muted">Forrester - State of Cloud Europe 2024</a></p>
                        </div>
                        <div class="col-md-4">
                            <p><strong>Industry Analysis:</strong><br>
                            <a href="https://www.gminsights.com/industry-analysis/managed-services-market" target="_blank" class="text-muted">GM Insights - Managed Services Market</a><br>
                            <a href="https://straitsresearch.com/report/managed-services-market" target="_blank" class="text-muted">Straits Research - Market Trends</a></p>
                        </div>
                        <div class="col-md-4">
                            <p><strong>Competitive Intelligence:</strong><br>
                            <a href="https://www.g2.com/articles/cloud-computing-statistics" target="_blank" class="text-muted">G2 - Cloud Computing Statistics</a><br>
                            <a href="https://spacelift.io/blog/cloud-computing-statistics" target="_blank" class="text-muted">Spacelift - Industry Statistics</a></p>
                        </div>
                    </div>
                </div>
            </div>

            <!-- Currency Support Section -->
            <div class="help-section" id="currency-support">
                <h2><i class="bi bi-cash-stack"></i> Currency Support</h2>
                
                <div class="row">
                    <div class="col-md-6">
                        <h5><i class="bi bi-cash"></i> Swiss Franc (CHF) - Default</h5>
                        <ul>
                            <li>Swiss locale formatting (de-CH)</li>
                            <li>Traditional Swiss business format</li>
                        </ul>
                    </div>
                    <div class="col-md-6">
                        <h5><i class="bi bi-currency-euro"></i> Euro (EUR)</h5>
                        <ul>
                            <li>European locale formatting (de-DE)</li>
                            <li>EU business format compliance</li>
                        </ul>
                    </div>
                </div>

                <div class="alert alert-info mt-3">
                    <h6><i class="bi bi-info-circle"></i> Important</h6>
                    <p class="mb-0">Currency selection only changes display format - no conversion is performed. Enter all amounts in your chosen currency.</p>
                </div>
            </div>

            <!-- Technical Details Section (LOWER PRIORITY) -->
            <div class="help-section" id="technical-details">
                <h2><i class="bi bi-gear"></i> Technical Details</h2>
                
                <div class="row">
                    <div class="col-md-6">
                        <h4>Loan Model Details</h4>
                        <ul>
                            <li><strong>Payment Calculation:</strong> Standard amortization formula</li>
                            <li><strong>Interest Rates:</strong> 3-8% annually</li>
                            <li><strong>Risk Level:</strong> Very low - contractually guaranteed</li>
                            <li><strong>Break-even:</strong> Typically 12-18 months</li>
                        </ul>
                        
                        <h5>Monthly Payment Formula</h5>
                        <code>Monthly Payment = P × [r(1+r)^n] / [(1+r)^n - 1]</code>
                        <p class="small text-muted mt-2">Where P = Principal, r = Monthly rate, n = Total payments</p>
                    </div>
                    <div class="col-md-6">
                        <h4>Direct Investment Details</h4>
                        <ul>
                            <li><strong>Revenue Streams:</strong> Service fees + Core infrastructure sales</li>
                            <li><strong>Performance Tracking:</strong> Automatic baseline comparison</li>
                            <li><strong>Grace Periods:</strong> 100% revenue retention periods</li>
                            <li><strong>Churn Reduction:</strong> Investment-based customer success</li>
                        </ul>
                        
                        <h5>Performance Multiplier</h5>
                        <p>Automatically calculated: Actual instances ÷ Baseline instances</p>
                        <p class="text-muted small">1.0x = baseline, 1.5x = 50% above baseline, 2.0x = double baseline</p>
                    </div>
                </div>
            </div>

            <!-- FAQ Section (LOWEST PRIORITY) -->
            <div class="help-section" id="faq">
                <h2><i class="bi bi-question-circle"></i> Frequently Asked Questions</h2>
                
                <div class="row">
                    <div class="col-md-6">
                        <h5>Basic Questions</h5>
                        <h6>What does "Net Position" mean?</h6>
                        <p>Your profit after subtracting your initial investment. Positive = profitable.</p>

                        <h6>What is Core Service Revenue?</h6>
                        <p>Additional income from selling compute/storage per instance. <strong>100% retained by CSP</strong> - not shared with Servala.</p>

                        <h6>What happens during grace periods?</h6>
                        <p>You keep 100% of service revenue + all core revenue. Larger investments get longer grace periods.</p>
                    </div>
                    <div class="col-md-6">
                        <h5>Advanced Questions</h5>
                        <h6>How are performance bonuses calculated?</h6>
                        <p>Bonuses apply when you exceed 110% of baseline growth, providing up to 15% additional revenue share for large investments.</p>

                        <h6>What is the Performance Multiplier?</h6>
                        <p>Automatically calculated metric: actual results ÷ baseline expectations. Cannot be manually configured.</p>

                        <h6>How accurate are projections?</h6>
                        <p>Based on industry benchmarks and historical data, but actual results may vary with market conditions.</p>
                    </div>
                </div>
            </div>

            <div class="text-center mt-5 mb-4">
                <a href="{% url 'services:csp_roi_calculator' %}" class="btn btn-success btn-lg me-3">
                    <i class="bi bi-calculator"></i> Start Calculating Your ROI
                </a>
                <a href="{% url 'services:csp_roi_calculator' %}" class="btn btn-outline-primary">
                    <i class="bi bi-arrow-left"></i> Back to Calculator
                </a>
            </div>
        </div>
    </div>
</div>
{% endblock %}