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PRODUCT.md

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+# Product
+
+<!-- impeccable:product-schema 1 -->
+
+## Platform
+
+web
+
+## Stack
+
+PHP 8.1 native (no framework) + MySQL 8 on Laragon (`http://localhost/calcserubi`, MySQL `localhost:3309`). Chosen by the user over Laravel / Node.
+
+## Users
+
+Branch staff of Bank Papua (customer service and marketing) who offer the SERUBI cashback program to prospective customers. They run simulations at the desk or in the field, often turning the screen toward the customer (PC, tablet, or phone). A small number of head-office/branch admins maintain the calculation parameters when ALCO rates or bank parameters change.
+
+## Product Purpose
+
+Simulate how much a customer receives when placing funds in Giro / Tabungan SIMANJA / Tabungan SIMPEDA plus the SERUBI cashback, compared with placing the same funds in a Deposito. Success: staff can produce a correct, explainable number in seconds that matches the official branch Excel calculator, and admins can update rates without editing code.
+
+## Positioning
+
+The single source of the official SERUBI formula: the same spread-sharing calculation as the branch Excel file (`CALCULATOR CASHBACK SERUB KANTOR CABANG 22092026.xlsx`), with ALCO rate tables and bank parameters managed centrally in a database instead of copied spreadsheets.
+
+## Operating Context
+
+- Input: nominal placement (Rupiah), tenor (1/3/6/12/24 months), customer type (perorangan / badan usaha).
+- Output: cashback bruto/neto, annual equivalent rate, per-product comparison vs. deposito, cashback penalty on early withdrawal.
+- Parameters come from ALCO decisions (deposito, SIMANJA, SIMPEDA, Giro rate tiers) and bank-level parameters (GWM, Kas, PUAB, credit rate, overhead cost, LPS premium, taxes, cashback sharing tiers).
+- Language: Bahasa Indonesia, Rupiah formatting (`id-ID`).
+
+## Capabilities and Constraints
+
+- Cashback applies only to tenors 3, 6, 12, 24 months and nominal ≥ Rp50.000.000.
+- Admin access requires login (hashed passwords, multiple admin users) and every parameter change is logged.
+- Results are internal estimates; the Excel workbook is the validation reference.
+
+## Brand Commitments
+
+Bank Papua identity: deep navy/blue and gold. Program name "SERUBI".
+
+## Evidence on Hand
+
+- Reference workbook: `C:\Users\corer\Downloads\CALCULATOR CASHBACK SERUB KANTOR CABANG 22092026.xlsx` (sheets `COB`, `CALCULATOR CASHBACK SERUBI`).
+- No logo file in the project; do not fabricate one.
+
+## Product Principles
+
+1. The number must match the official Excel; correctness over decoration.
+2. Explainable: every figure can be traced to its parameter.
+3. Fast to present across the desk: the headline answer is readable at arm's length.
+4. Parameters change by data, never by code.
+
+## Accessibility & Inclusion
+
+Used on older branch PCs and budget Android phones; must work at 320px width, keyboard-only, and WCAG AA contrast.