-- ============================================================================
-- Phase 7 Task 2: Remaining Payment Reminder Templates (Part 2)
-- ============================================================================
-- Templates 4 & 5: 7 days overdue and 30 days overdue (final notice)
-- ============================================================================

-- Template 4: 7 Days Overdue (Second Overdue Reminder)
INSERT INTO email_templates (
    template_name,
    template_type,
    stage,
    subject_line,
    html_body,
    text_body,
    description,
    available_variables,
    preview_data,
    is_default,
    priority,
    footer_text,
    brand_color
) VALUES (
    'payment_reminder_7_days_after',
    'payment_reminder',
    '7_days_after',
    '🚨 URGENT: Invoice {{invoice_number}} - {{days_overdue}} Days Overdue - Action Required',
    '<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Urgent Overdue Payment</title>
    <style>
        body { font-family: -apple-system, BlinkMacSystemFont, ''Segoe UI'', Roboto, ''Helvetica Neue'', Arial, sans-serif; line-height: 1.6; color: #333; margin: 0; padding: 0; background-color: #f5f5f5; }
        .container { max-width: 600px; margin: 20px auto; background: #ffffff; border-radius: 8px; box-shadow: 0 4px 6px rgba(0,0,0,0.15); overflow: hidden; border: 3px solid #b91c1c; }
        .header { background: linear-gradient(135deg, #b91c1c 0%, #7f1d1d 100%); color: #ffffff; padding: 30px 20px; text-align: center; }
        .header h1 { margin: 0; font-size: 26px; font-weight: 700; }
        .urgent-banner { background: #fee2e2; color: #7f1d1d; padding: 15px; text-align: center; font-weight: 700; font-size: 18px; border-bottom: 2px solid #fecaca; }
        .content { padding: 30px 20px; }
        .greeting { font-size: 18px; font-weight: 500; margin-bottom: 20px; }
        .message { margin-bottom: 20px; }
        .invoice-details { background: #fef2f2; border: 3px solid #fecaca; padding: 25px; margin: 25px 0; border-radius: 8px; }
        .invoice-details table { width: 100%; }
        .invoice-details td { padding: 12px 0; font-size: 15px; }
        .invoice-details td:first-child { font-weight: 600; width: 45%; }
        .amount { font-size: 36px; font-weight: 700; color: #b91c1c; }
        .total-owing { background: #7f1d1d; color: #ffffff; padding: 15px; border-radius: 6px; text-align: center; margin: 20px 0; }
        .total-owing .label { font-size: 14px; margin-bottom: 5px; }
        .total-owing .amount { color: #ffffff; font-size: 40px; }
        .button { display: inline-block; padding: 16px 40px; background: #b91c1c; color: #ffffff !important; text-decoration: none; border-radius: 6px; font-weight: 700; margin: 20px 0; font-size: 18px; box-shadow: 0 4px 6px rgba(0,0,0,0.1); }
        .button:hover { background: #991b1b; transform: translateY(-2px); }
        .consequences-box { background: #fef3c7; border: 2px solid #f59e0b; padding: 20px; margin: 25px 0; border-radius: 6px; }
        .consequences-box h3 { margin-top: 0; color: #92400e; }
        .consequences-box ul { margin: 10px 0; padding-left: 20px; }
        .consequences-box li { margin: 8px 0; color: #92400e; font-weight: 500; }
        .contact-box { background: #e0f2fe; border-left: 4px solid #0284c7; padding: 20px; margin: 25px 0; border-radius: 4px; }
        .footer { background: #f8f9fa; padding: 20px; text-align: center; font-size: 12px; color: #6c757d; border-top: 1px solid #e9ecef; }
        .footer a { color: #b91c1c; text-decoration: none; }
    </style>
</head>
<body>
    <div class="container">
        <div class="urgent-banner">
            🚨 URGENT ACTION REQUIRED - ACCOUNT AT RISK 🚨
        </div>
        
        <div class="header">
            <h1>PAYMENT SERIOUSLY OVERDUE</h1>
        </div>
        
        <div class="content">
            <div class="greeting">URGENT NOTICE TO: {{customer_name}},</div>
            
            <div class="message">
                <p style="font-size: 16px; font-weight: 600; color: #b91c1c;">
                    Your payment is now <strong>{{days_overdue}} DAYS OVERDUE</strong>. This is a final reminder before collection proceedings begin.
                </p>
            </div>
            
            <div class="invoice-details">
                <table>
                    <tr>
                        <td>Invoice Number:</td>
                        <td><strong style="font-size: 18px;">{{invoice_number}}</strong></td>
                    </tr>
                    <tr>
                        <td>Original Due Date:</td>
                        <td><strong style="color: #b91c1c;">{{due_date}}</strong></td>
                    </tr>
                    <tr>
                        <td>Original Amount:</td>
                        <td><strong>{{currency_symbol}}{{original_amount}}</strong></td>
                    </tr>
                    <tr>
                        <td>Late Fees:</td>
                        <td><strong style="color: #b91c1c;">{{currency_symbol}}{{late_fees}}</strong></td>
                    </tr>
                    <tr>
                        <td colspan="2"><hr style="border: 1px solid #fecaca;"></td>
                    </tr>
                    <tr>
                        <td><strong style="font-size: 16px;">TOTAL AMOUNT DUE:</strong></td>
                        <td class="amount">{{currency_symbol}}{{total_amount}}</td>
                    </tr>
                    <tr>
                        <td>Days Overdue:</td>
                        <td><strong style="color: #b91c1c; font-size: 20px;">{{days_overdue}} DAYS</strong></td>
                    </tr>
                </table>
            </div>
            
            <center>
                <a href="{{payment_link}}" class="button">PAY {{currency_symbol}}{{total_amount}} NOW</a>
            </center>
            
            <div class="consequences-box">
                <h3>⚠️ IMMEDIATE ACTION REQUIRED</h3>
                <p><strong>If full payment is not received within {{final_grace_days}} business days, the following actions will be taken:</strong></p>
                <ul>
                    <li>Account will be placed on HOLD - No further services</li>
                    <li>Additional penalty fees will be applied</li>
                    <li>Account will be referred to collections agency</li>
                    <li>Legal proceedings may be initiated</li>
                    <li>Credit rating may be negatively affected</li>
                </ul>
            </div>
            
            <div class="contact-box">
                <h4 style="margin-top: 0; color: #0369a1;">💬 Need to Discuss Payment Arrangements?</h4>
                <p style="margin-bottom: 10px;">We understand that financial difficulties can arise. If you need to discuss payment options, please contact our accounts team IMMEDIATELY:</p>
                <p style="margin: 5px 0;"><strong>Email:</strong> <a href="mailto:{{accounts_email}}" style="color: #0284c7;">{{accounts_email}}</a></p>
                <p style="margin: 5px 0;"><strong>Phone:</strong> {{accounts_phone}}</p>
                <p style="margin: 5px 0;"><strong>Hours:</strong> {{business_hours}}</p>
                <p style="margin-top: 15px; font-size: 14px; color: #64748b;">Payment plans may be available for approved customers. Contact us before {{final_deadline_date}} to discuss options.</p>
            </div>
            
            <div class="message" style="margin-top: 30px; padding: 15px; background: #fef2f2; border-radius: 4px;">
                <p style="font-weight: 600; color: #991b1b; margin-bottom: 5px;">Please Note:</p>
                <p style="font-size: 14px; margin: 0;">If you have recently made this payment or sent payment, please contact us immediately with your payment reference to avoid unnecessary collection actions.</p>
            </div>
        </div>
        
        <div class="footer">
            <p>{{footer_text}}</p>
            <p style="font-weight: 600; color: #b91c1c;">This is a final reminder before collections. Immediate payment required.</p>
            <p>
                <a href="{{company_website}}">Visit Website</a> | 
                <a href="mailto:{{accounts_email}}">Contact Accounts</a>
            </p>
        </div>
    </div>
    
    <!-- Tracking Pixel -->
    <img src="{{tracking_pixel_url}}" width="1" height="1" style="display:none;" alt="">
</body>
</html>',
    'URGENT NOTICE TO: {{customer_name}}

🚨 PAYMENT SERIOUSLY OVERDUE - IMMEDIATE ACTION REQUIRED 🚨

Your payment is now {{days_overdue}} DAYS OVERDUE. This is a final reminder before collection proceedings begin.

Invoice Number: {{invoice_number}}
Original Due Date: {{due_date}}
Original Amount: {{currency_symbol}}{{original_amount}}
Late Fees: {{currency_symbol}}{{late_fees}}
────────────────────────────
TOTAL AMOUNT DUE: {{currency_symbol}}{{total_amount}}
Days Overdue: {{days_overdue}} DAYS

PAY NOW: {{payment_link}}

⚠️ IMMEDIATE ACTION REQUIRED
If full payment is not received within {{final_grace_days}} business days, the following actions will be taken:

- Account will be placed on HOLD - No further services
- Additional penalty fees will be applied
- Account will be referred to collections agency
- Legal proceedings may be initiated
- Credit rating may be negatively affected

NEED TO DISCUSS PAYMENT ARRANGEMENTS?
We understand that financial difficulties can arise. Contact our accounts team IMMEDIATELY:

Email: {{accounts_email}}
Phone: {{accounts_phone}}
Hours: {{business_hours}}

Payment plans may be available. Contact us before {{final_deadline_date}}.

PLEASE NOTE: If you have recently made this payment, contact us immediately with your payment reference.

{{footer_text}}',
    'Second overdue reminder sent 7 days after due date - urgent tone',
    '["customer_name", "invoice_number", "original_amount", "late_fees", "total_amount", "due_date", "days_overdue", "currency_symbol", "payment_link", "final_grace_days", "final_deadline_date", "accounts_email", "accounts_phone", "business_hours", "tracking_pixel_url", "company_website", "footer_text"]'::JSONB,
    '{
        "customer_name": "John Doe",
        "invoice_number": "INV-2025-001",
        "original_amount": "1,250.00",
        "late_fees": "125.00",
        "total_amount": "1,375.00",
        "due_date": "October 11, 2025",
        "days_overdue": "7",
        "currency_symbol": "$",
        "final_grace_days": "3",
        "final_deadline_date": "October 21, 2025",
        "accounts_email": "accounts@example.com",
        "accounts_phone": "(555) 123-4567",
        "business_hours": "Mon-Fri 9am-5pm EST"
    }'::JSONB,
    true,
    100,
    'This is a final reminder before collections. Immediate payment required to avoid legal action.',
    '#b91c1c'
);

-- Template 5: 30 Days Overdue (Final Notice Before Collections)
INSERT INTO email_templates (
    template_name,
    template_type,
    stage,
    subject_line,
    html_body,
    text_body,
    description,
    available_variables,
    preview_data,
    is_default,
    priority,
    footer_text,
    brand_color
) VALUES (
    'payment_reminder_30_days_after',
    'payment_reminder',
    '30_days_after',
    '⛔ FINAL NOTICE: Invoice {{invoice_number}} - Account Referred to Collections',
    '<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Final Notice - Collections</title>
    <style>
        body { font-family: -apple-system, BlinkMacSystemFont, ''Segoe UI'', Roboto, ''Helvetica Neue'', Arial, sans-serif; line-height: 1.6; color: #333; margin: 0; padding: 0; background-color: #f5f5f5; }
        .container { max-width: 600px; margin: 20px auto; background: #ffffff; border-radius: 8px; box-shadow: 0 4px 8px rgba(0,0,0,0.2); overflow: hidden; border: 4px solid #7f1d1d; }
        .critical-banner { background: #7f1d1d; color: #ffffff; padding: 20px; text-align: center; font-weight: 700; font-size: 20px; }
        .header { background: #000000; color: #ffffff; padding: 30px 20px; text-align: center; }
        .header h1 { margin: 0; font-size: 28px; font-weight: 700; text-transform: uppercase; }
        .collections-notice { background: #fee2e2; color: #7f1d1d; padding: 20px; text-align: center; font-weight: 700; font-size: 16px; border: 2px solid #b91c1c; margin: 20px; border-radius: 6px; }
        .content { padding: 30px 20px; }
        .formal-greeting { font-size: 16px; font-weight: 600; margin-bottom: 20px; text-transform: uppercase; }
        .message { margin-bottom: 20px; }
        .invoice-details { background: #fef2f2; border: 3px solid #b91c1c; padding: 25px; margin: 25px 0; border-radius: 8px; }
        .invoice-details table { width: 100%; }
        .invoice-details td { padding: 12px 0; font-size: 15px; }
        .invoice-details td:first-child { font-weight: 700; width: 50%; }
        .amount { font-size: 40px; font-weight: 700; color: #7f1d1d; }
        .deadline-box { background: #7f1d1d; color: #ffffff; padding: 25px; border-radius: 8px; text-align: center; margin: 25px 0; }
        .deadline-box .title { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
        .deadline-box .date { font-size: 32px; font-weight: 700; margin: 10px 0; }
        .button { display: inline-block; padding: 18px 45px; background: #7f1d1d; color: #ffffff !important; text-decoration: none; border-radius: 6px; font-weight: 700; margin: 20px 0; font-size: 18px; box-shadow: 0 4px 6px rgba(0,0,0,0.2); text-transform: uppercase; }
        .button:hover { background: #991b1b; }
        .legal-box { background: #fef3c7; border: 3px solid #f59e0b; padding: 25px; margin: 25px 0; border-radius: 6px; }
        .legal-box h3 { margin-top: 0; color: #78350f; font-size: 18px; }
        .legal-box ol { margin: 15px 0; padding-left: 25px; }
        .legal-box li { margin: 12px 0; color: #78350f; font-weight: 600; line-height: 1.8; }
        .contact-urgent { background: #fee2e2; border: 2px solid #b91c1c; padding: 20px; margin: 25px 0; border-radius: 6px; text-align: center; }
        .footer { background: #f8f9fa; padding: 20px; text-align: center; font-size: 11px; color: #6c757d; border-top: 2px solid #7f1d1d; }
        .footer p { margin: 8px 0; }
        .footer .legal { font-weight: 600; color: #7f1d1d; }
    </style>
</head>
<body>
    <div class="container">
        <div class="critical-banner">
            ⛔ CRITICAL: FINAL NOTICE BEFORE LEGAL ACTION ⛔
        </div>
        
        <div class="header">
            <h1>⚖️ FINAL DEMAND FOR PAYMENT ⚖️</h1>
        </div>
        
        <div class="collections-notice">
            THIS ACCOUNT HAS BEEN FLAGGED FOR COLLECTIONS PROCEEDINGS
        </div>
        
        <div class="content">
            <div class="formal-greeting">RE: {{customer_name}} - Account #{{customer_account_number}}</div>
            
            <div class="message">
                <p style="font-size: 16px; font-weight: 700; color: #7f1d1d;">
                    This is your <strong>FINAL NOTICE</strong> regarding invoice {{invoice_number}}, which is now <strong>{{days_overdue}} DAYS OVERDUE</strong>.
                </p>
                <p style="font-size: 15px; margin-top: 15px;">
                    Despite multiple previous attempts to contact you regarding this outstanding debt, we have not received payment or communication from you. Your account is now in serious default and will be referred to our collections department and/or external collections agency if not resolved immediately.
                </p>
            </div>
            
            <div class="invoice-details">
                <table>
                    <tr>
                        <td>INVOICE NUMBER:</td>
                        <td><strong style="font-size: 20px;">{{invoice_number}}</strong></td>
                    </tr>
                    <tr>
                        <td>ORIGINAL DUE DATE:</td>
                        <td><strong style="color: #7f1d1d;">{{due_date}}</strong></td>
                    </tr>
                    <tr>
                        <td>ORIGINAL INVOICE AMOUNT:</td>
                        <td><strong>{{currency_symbol}}{{original_amount}}</strong></td>
                    </tr>
                    <tr>
                        <td>ACCUMULATED LATE FEES:</td>
                        <td><strong style="color: #b91c1c;">{{currency_symbol}}{{late_fees}}</strong></td>
                    </tr>
                    <tr>
                        <td>COLLECTION FEES:</td>
                        <td><strong style="color: #b91c1c;">{{currency_symbol}}{{collection_fees}}</strong></td>
                    </tr>
                    <tr>
                        <td colspan="2"><hr style="border: 2px solid #b91c1c; margin: 15px 0;"></td>
                    </tr>
                    <tr>
                        <td><strong style="font-size: 18px;">TOTAL AMOUNT NOW DUE:</strong></td>
                        <td class="amount">{{currency_symbol}}{{total_amount}}</td>
                    </tr>
                    <tr>
                        <td>DAYS OVERDUE:</td>
                        <td><strong style="color: #7f1d1d; font-size: 24px;">{{days_overdue}} DAYS</strong></td>
                    </tr>
                </table>
            </div>
            
            <div class="deadline-box">
                <div class="title">⏰ PAYMENT MUST BE RECEIVED BY:</div>
                <div class="date">{{final_deadline_date}}</div>
                <div style="font-size: 14px; margin-top: 10px;">({{deadline_days_remaining}} business days remaining)</div>
            </div>
            
            <center>
                <a href="{{payment_link}}" class="button">Pay {{currency_symbol}}{{total_amount}} Immediately</a>
            </center>
            
            <div class="legal-box">
                <h3>⚖️ LEGAL NOTICE: ACTIONS TO BE TAKEN</h3>
                <p><strong>If payment is not received by {{final_deadline_date}}, the following actions will be taken without further notice:</strong></p>
                <ol>
                    <li><strong>COLLECTIONS REFERRAL:</strong> Your account will be immediately referred to {{collections_agency_name}}, our authorized collections agency. Additional fees will apply.</li>
                    <li><strong>CREDIT REPORTING:</strong> This delinquent account will be reported to major credit bureaus, which will negatively impact your credit score and rating.</li>
                    <li><strong>LEGAL PROCEEDINGS:</strong> We reserve the right to initiate legal proceedings to recover the full amount owed, plus all legal fees, court costs, and interest.</li>
                    <li><strong>ASSET LIENS:</strong> A judgment may be filed against you, which could result in wage garnishment, bank account levies, or liens on property.</li>
                    <li><strong>SERVICE TERMINATION:</strong> All services will be permanently terminated. Future business will require advance payment only.</li>
                </ol>
                <p style="margin-top: 20px; font-weight: 700; color: #78350f;">
                    These are not idle threats. Legal action WILL be taken if this matter is not resolved immediately.
                </p>
            </div>
            
            <div class="contact-urgent">
                <h4 style="margin-top: 0; color: #7f1d1d; font-size: 18px;">⚠️ LAST CHANCE TO AVOID COLLECTIONS</h4>
                <p style="font-weight: 600; margin-bottom: 15px;">If you wish to discuss payment arrangements or dispute this debt, you must contact us IMMEDIATELY:</p>
                <p style="margin: 8px 0; font-size: 16px;"><strong>Collections Department:</strong></p>
                <p style="margin: 5px 0;"><strong>Email:</strong> <a href="mailto:{{collections_email}}" style="color: #7f1d1d; font-weight: 700;">{{collections_email}}</a></p>
                <p style="margin: 5px 0;"><strong>Phone:</strong> <span style="font-size: 18px; font-weight: 700;">{{collections_phone}}</span></p>
                <p style="margin: 5px 0;"><strong>Reference:</strong> {{invoice_number}} / {{customer_account_number}}</p>
                <p style="margin-top: 15px; font-size: 13px; color: #64748b;">Office Hours: {{business_hours}}. After-hours inquiries will be responded to the next business day.</p>
            </div>
            
            <div class="message" style="margin-top: 30px; padding: 20px; background: #fef2f2; border: 2px solid #fecaca; border-radius: 6px;">
                <p style="font-weight: 700; color: #7f1d1d; margin-bottom: 10px; font-size: 15px;">DEBT VALIDATION NOTICE:</p>
                <p style="font-size: 13px; margin: 0; line-height: 1.8;">
                    This is an attempt to collect a debt. Any information obtained will be used for that purpose. If you believe this debt is not valid, you have the right to dispute it in writing within 30 days of receiving this notice. Upon receipt of a written dispute, we will provide verification of the debt.
                </p>
            </div>
        </div>
        
        <div class="footer">
            <p class="legal">{{footer_text}}</p>
            <p class="legal">THIS IS A FINAL DEMAND FOR PAYMENT. FAILURE TO RESPOND WILL RESULT IN LEGAL ACTION.</p>
            <p>{{company_legal_name}} | {{company_address}}</p>
            <p>Tax ID: {{company_tax_id}} | Business License: {{business_license}}</p>
        </div>
    </div>
    
    <!-- Tracking Pixel -->
    <img src="{{tracking_pixel_url}}" width="1" height="1" style="display:none;" alt="">
</body>
</html>',
    'FINAL NOTICE: COLLECTIONS PROCEEDINGS

RE: {{customer_name}} - Account #{{customer_account_number}}

⛔ CRITICAL: FINAL NOTICE BEFORE LEGAL ACTION ⛔

This is your FINAL NOTICE regarding invoice {{invoice_number}}, which is now {{days_overdue}} DAYS OVERDUE.

Despite multiple previous attempts to contact you, we have not received payment. Your account is now in serious default and will be referred to collections if not resolved immediately.

INVOICE DETAILS:
Invoice Number: {{invoice_number}}
Original Due Date: {{due_date}}
Original Amount: {{currency_symbol}}{{original_amount}}
Late Fees: {{currency_symbol}}{{late_fees}}
Collection Fees: {{currency_symbol}}{{collection_fees}}
───────────────────────────────────
TOTAL AMOUNT NOW DUE: {{currency_symbol}}{{total_amount}}
Days Overdue: {{days_overdue}} DAYS

⏰ PAYMENT MUST BE RECEIVED BY: {{final_deadline_date}}
({{deadline_days_remaining}} business days remaining)

PAY NOW: {{payment_link}}

⚖️ LEGAL NOTICE: ACTIONS TO BE TAKEN

If payment is not received by {{final_deadline_date}}, the following actions will be taken:

1. COLLECTIONS REFERRAL: Account referred to {{collections_agency_name}}. Additional fees will apply.

2. CREDIT REPORTING: Reported to major credit bureaus, negatively impacting your credit score.

3. LEGAL PROCEEDINGS: Legal action to recover full amount plus legal fees, court costs, and interest.

4. ASSET LIENS: Judgment may result in wage garnishment, bank levies, or property liens.

5. SERVICE TERMINATION: All services permanently terminated.

These are not idle threats. Legal action WILL be taken if not resolved immediately.

⚠️ LAST CHANCE TO AVOID COLLECTIONS

Collections Department:
Email: {{collections_email}}
Phone: {{collections_phone}}
Reference: {{invoice_number}} / {{customer_account_number}}
Hours: {{business_hours}}

DEBT VALIDATION NOTICE:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. If you believe this debt is not valid, you have the right to dispute it in writing within 30 days.

{{footer_text}}

THIS IS A FINAL DEMAND FOR PAYMENT. FAILURE TO RESPOND WILL RESULT IN LEGAL ACTION.

{{company_legal_name}} | {{company_address}}
Tax ID: {{company_tax_id}} | Business License: {{business_license}}',
    'Final notice sent 30 days after due date - collections warning',
    '["customer_name", "customer_account_number", "invoice_number", "original_amount", "late_fees", "collection_fees", "total_amount", "due_date", "days_overdue", "currency_symbol", "payment_link", "final_deadline_date", "deadline_days_remaining", "collections_agency_name", "collections_email", "collections_phone", "business_hours", "company_legal_name", "company_address", "company_tax_id", "business_license", "tracking_pixel_url", "footer_text"]'::JSONB,
    '{
        "customer_name": "John Doe",
        "customer_account_number": "CUST-2025-123",
        "invoice_number": "INV-2025-001",
        "original_amount": "1,250.00",
        "late_fees": "187.50",
        "collection_fees": "125.00",
        "total_amount": "1,562.50",
        "due_date": "September 18, 2025",
        "days_overdue": "30",
        "currency_symbol": "$",
        "final_deadline_date": "October 25, 2025",
        "deadline_days_remaining": "3",
        "collections_agency_name": "Professional Collections Services Inc.",
        "collections_email": "collections@example.com",
        "collections_phone": "(555) 999-8888",
        "business_hours": "Mon-Fri 8am-6pm EST",
        "company_legal_name": "ABC Company LLC",
        "company_address": "123 Business St, City, State 12345",
        "company_tax_id": "XX-XXXXXXX",
        "business_license": "BL-123456"
    }'::JSONB,
    true,
    100,
    'FINAL DEMAND FOR PAYMENT. Legal action will be taken if payment is not received by the deadline stated above.',
    '#7f1d1d'
);

-- ============================================================================
-- End of template inserts
-- ============================================================================
