describe("business application service", () => {
  beforeEach(() => jest.resetModules());
  const setup = ({ active = null } = {}) => {
    const created={id:"app-1",user_id:"usr-1",status:"PENDING"};
    const models={sequelize:{transaction:jest.fn(async cb=>cb({LOCK:{UPDATE:"UPDATE"}}))},User:{findByPk:jest.fn().mockResolvedValue({id:"usr-1",accountStatus:"ACTIVE",emailVerifiedAt:new Date(),accountType:"customer"})},BusinessApplication:{findOne:jest.fn().mockResolvedValue(active),create:jest.fn().mockResolvedValue(created)}};
    jest.doMock("../../app/models",()=>models);jest.doMock("../../app/utils/referenceNumber.util",()=>({nextSequence:jest.fn()}));jest.doMock("../../app/services/auth/session.service",()=>({revokeAllUserSessions:jest.fn()}));
    return {service:require("../../app/services/business/business.service"),models,created};
  };
  test("verified active customer can submit an application",async()=>{const {service,models,created}=setup();const result=await service.apply("usr-1",{businessName:"Acme",legalName:"Acme Ltd",registrationNumber:"PV1",businessType:"Retail",contactEmail:"a@example.com",contactPhone:"+94770000000"});expect(result).toBe(created);expect(models.BusinessApplication.create).toHaveBeenCalledWith(expect.objectContaining({user_id:"usr-1",status:"PENDING"}),expect.anything());});
  test("duplicate active application is prevented",async()=>{const {service}=setup({active:{id:"existing"}});await expect(service.apply("usr-1",{})).rejects.toMatchObject({code:"ACTIVE_APPLICATION_EXISTS",status:409});});
});