sole_trader_settings.php

<?php
require_once 'includes/config.php';
require_once 'includes/functions.php';
require_login();

// Get existing settings
try {
    $pdo = new PDO(
        "mysql:host=" . DB_HOST . ";dbname=" . DB_NAME,
        DB_USER,
        DB_PASS
    );

    $stmt = $pdo->prepare("SELECT * FROM business_settings WHERE user_id = ?");
    $stmt->execute([$_SESSION['user_id']]);
    $settings = $stmt->fetch(PDO::FETCH_ASSOC) ?: [];

} catch (PDOException $e) {
    $_SESSION['error'] = "Database error: " . $e->getMessage();
    $settings = [];
}

$vat_stmt = $pdo->prepare("SELECT * FROM vat_settings WHERE user_id = ?");
$vat_stmt->execute([$_SESSION['user_id']]);
$vat_settings = $vat_stmt->fetch(PDO::FETCH_ASSOC) ?: [];

$st_stmt = $pdo->prepare("SELECT * FROM sole_trader_settings WHERE user_id = ?");
$st_stmt->execute([$_SESSION['user_id']]);
$st_settings = $st_stmt->fetch(PDO::FETCH_ASSOC) ?: [];

// Load HMRC connection status
require_once 'includes/HmrcClient.php';
$hmrcClient = new HmrcClient($pdo, $_SESSION['user_id']);
$hmrcTokens = $hmrcClient->getStoredTokens();
$hmrcConnected = $hmrcClient->isConnected();

$page_title = 'Sole Trader Settings';
require_once 'includes/header.php';
require_once 'includes/topbar.php';
require_once 'includes/sidebar.php';
?>

<div class="page-wrapper">

    <!-- Page Content-->
    <div class="page-content">
        <div class="container-fluid">
            <div class="row">
                <div class="col-sm-12">
                    <div class="page-title-box d-md-flex justify-content-md-between align-items-center">
                        <h4 class="page-title fw-bold">Sole Trader Settings</h4>
                        <div class="">
                            <ol class="breadcrumb mb-0">
                                <li class="breadcrumb-item"><a href="dashboard.php">Dashboard</a></li>
                                <li class="breadcrumb-item active">Sole Trader Settings</li>
                            </ol>
                        </div>
                    </div>

                    <?php if (isset($_SESSION['message'])): ?>
                        <div class="alert alert-success"><?php echo $_SESSION['message'];
                        unset($_SESSION['message']); ?></div>
                    <?php endif; ?>

                    <?php if (isset($_SESSION['error'])): ?>
                        <div class="alert alert-danger"><?php echo $_SESSION['error'];
                        unset($_SESSION['error']); ?></div>
                    <?php endif; ?>

                    <!-- ===================== -->
                    <!-- FORM 1: ST Settings   -->
                    <!-- ===================== -->
                    <form id="stForm" action="save_sole_trader_settings.php" method="post">

                        <button type="submit" class="btn btn-primary mb-3">
                            Save Self Assessment Settings
                        </button>

                        <!-- Self Assessment / ITSA -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Self Assessment & MTD ITSA</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">UTR Number</label>
                                        <input type="text" class="form-control" name="utr_number"
                                               placeholder="1234567890"
                                               value="<?php echo htmlspecialchars($st_settings['utr_number'] ?? ''); ?>">
                                        <small class="text-muted">10 digit Unique Taxpayer Reference</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">National Insurance Number</label>
                                        <input type="text" class="form-control" name="nino"
                                               placeholder="AB123456C"
                                               value="<?php echo htmlspecialchars($st_settings['nino'] ?? ''); ?>">
                                        <small class="text-muted">Required for MTD ITSA submissions</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Accounting Method</label>
                                        <select class="form-select" name="accounting_method">
                                            <option value="cash"
                                                <?php echo ($st_settings['accounting_method'] ?? 'cash') === 'cash' ? 'selected' : ''; ?>>
                                                Cash Basis
                                            </option>
                                            <option value="accruals"
                                                <?php echo ($st_settings['accounting_method'] ?? '') === 'accruals' ? 'selected' : ''; ?>>
                                                Traditional / Accruals
                                            </option>
                                        </select>
                                        <small class="text-muted">Most sole traders use Cash Basis</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Business Start Date</label>
                                        <input type="date" class="form-control" name="business_start_date"
                                               value="<?php echo htmlspecialchars($st_settings['business_start_date'] ?? ''); ?>">
                                        <small class="text-muted">When did you start trading?</small>
                                    </div>
                                    <div class="col-12">
                                        <div class="form-check form-switch">
                                            <input class="form-check-input" type="checkbox"
                                                   name="mtd_itsa_enrolled" id="mtdItsaEnrolled" value="1"
                                                   <?php echo !empty($st_settings['mtd_itsa_enrolled']) ? 'checked' : ''; ?>>
                                            <label class="form-check-label" for="mtdItsaEnrolled">
                                                <strong>Enrolled in MTD for Income Tax</strong>
                                            </label>
                                        </div>
                                        <small class="text-muted">
                                            MTD ITSA is mandatory from April 2026 if your income exceeds £50,000
                                        </small>
                                    </div>
                                </div>

                                <div class="alert alert-info mt-3 mb-0">
                                    <i class="fas fa-calendar me-2"></i>
                                    Your tax year runs <strong>6 April to 5 April</strong>.
                                    Your first tax year is calculated from your business start date above.
                                </div>

                            </div>
                        </div>

                    </form>
                    <!-- END FORM 1 -->


                    <!-- ========================= -->
                    <!-- FORM 2: Business Settings -->
                    <!-- ========================= -->
                    <form id="settingsForm" action="save_business_settings.php" method="post" enctype="multipart/form-data">

                        <button type="submit" class="btn btn-primary mb-3">
                            Save Business Settings
                        </button>

                        <!-- Business Details -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Business Details
                                    <small class="text-muted fw-normal ms-2">— used on invoices and documents</small>
                                </h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">Your Name *</label>
                                        <input type="text" class="form-control" name="company_name"
                                               value="<?php echo htmlspecialchars($settings['company_name'] ?? ''); ?>" required>
                                        <small class="text-muted">Your full legal name — appears on invoices</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Trading Name</label>
                                        <input type="text" class="form-control" name="trading_name"
                                               value="<?php echo htmlspecialchars($settings['trading_name'] ?? ''); ?>">
                                        <small class="text-muted">Leave blank if trading under your own name</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">VAT Number</label>
                                        <input type="text" class="form-control" name="vat_number"
                                               value="<?php echo htmlspecialchars($settings['vat_number'] ?? ''); ?>">
                                        <small class="text-muted">Displayed on invoices — only required if VAT registered</small>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Address Line 1 *</label>
                                        <input type="text" class="form-control" name="address_line1"
                                               value="<?php echo htmlspecialchars($settings['address_line1'] ?? ''); ?>" required>
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Address Line 2</label>
                                        <input type="text" class="form-control" name="address_line2"
                                               value="<?php echo htmlspecialchars($settings['address_line2'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-4">
                                        <label class="form-label">City *</label>
                                        <input type="text" class="form-control" name="city"
                                               value="<?php echo htmlspecialchars($settings['city'] ?? ''); ?>" required>
                                    </div>
                                    <div class="col-md-4">
                                        <label class="form-label">County</label>
                                        <input type="text" class="form-control" name="county"
                                               value="<?php echo htmlspecialchars($settings['county'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-4">
                                        <label class="form-label">Postcode *</label>
                                        <input type="text" class="form-control" name="postcode"
                                               value="<?php echo htmlspecialchars($settings['postcode'] ?? ''); ?>" required>
                                    </div>
                                    <div class="col-md-4">
                                        <label class="form-label">Phone</label>
                                        <input type="tel" class="form-control" name="phone"
                                               value="<?php echo htmlspecialchars($settings['phone'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-8">
                                        <label class="form-label">Website</label>
                                        <input type="url" class="form-control" name="website"
                                               value="<?php echo htmlspecialchars($settings['website'] ?? ''); ?>">
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Brand Assets -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Brand Assets</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">Logo</label>
                                        <?php if (!empty($settings['logo_path'])): ?>
                                            <div class="mb-2">
                                                <img src="<?php echo htmlspecialchars($settings['logo_path']); ?>"
                                                     alt="Logo" class="img-thumbnail"
                                                     style="max-height: 100px;">
                                            </div>
                                        <?php endif; ?>
                                        <input type="file" class="form-control" name="logo" accept="image/*">
                                        <small class="text-muted">Recommended size: 300x100px. Max file size: 2MB</small>
                                    </div>
                                    <div class="col-md-3">
                                        <label class="form-label">Logo Height (px)</label>
                                        <input type="number" class="form-control" name="logo_height"
                                               value="<?php echo htmlspecialchars($settings['logo_height'] ?? '100'); ?>">
                                    </div>
                                    <div class="col-md-3">
                                        <label class="form-label">Brand Color</label>
                                        <input type="color" class="form-control form-control-color w-100" name="primary_color"
                                               value="<?php echo htmlspecialchars($settings['primary_color'] ?? '#0d6efd'); ?>">
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Bank Details -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Bank Details</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">Bank Name</label>
                                        <input type="text" class="form-control" name="bank_name"
                                               value="<?php echo htmlspecialchars($settings['bank_name'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Account Name</label>
                                        <input type="text" class="form-control" name="account_name"
                                               value="<?php echo htmlspecialchars($settings['account_name'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Sort Code</label>
                                        <input type="text" class="form-control" name="sort_code"
                                               value="<?php echo htmlspecialchars($settings['sort_code'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">Account Number</label>
                                        <input type="text" class="form-control" name="account_number"
                                               value="<?php echo htmlspecialchars($settings['account_number'] ?? ''); ?>">
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Banking Integration -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Banking Integration</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">Your Bank Provider</label>
                                        <select class="form-select" name="bank_provider">
                                            <option value="">— Select your bank —</option>
                                            <option value="revolut_business" <?php echo ($settings['bank_provider'] ?? '') === 'revolut_business' ? 'selected' : ''; ?>>
                                                Revolut Business
                                            </option>
                                            <option value="tide" <?php echo ($settings['bank_provider'] ?? '') === 'tide' ? 'selected' : ''; ?>>
                                                Tide
                                            </option>
                                            <option value="monzo_business" <?php echo ($settings['bank_provider'] ?? '') === 'monzo_business' ? 'selected' : ''; ?>>
                                                Monzo Business
                                            </option>
                                            <option value="barclays" <?php echo ($settings['bank_provider'] ?? '') === 'barclays' ? 'selected' : ''; ?>>
                                                Barclays
                                            </option>
                                            <option value="hsbc" <?php echo ($settings['bank_provider'] ?? '') === 'hsbc' ? 'selected' : ''; ?>>
                                                HSBC
                                            </option>
                                            <option value="natwest" <?php echo ($settings['bank_provider'] ?? '') === 'natwest' ? 'selected' : ''; ?>>
                                                NatWest
                                            </option>
                                            <option value="lloyds" <?php echo ($settings['bank_provider'] ?? '') === 'lloyds' ? 'selected' : ''; ?>>
                                                Lloyds
                                            </option>
                                            <option value="starling" <?php echo ($settings['bank_provider'] ?? '') === 'starling' ? 'selected' : ''; ?>>
                                                Starling Bank
                                            </option>
                                        </select>
                                        <small class="text-muted">
                                            This tells Lighthouse how to read your bank CSV exports
                                        </small>
                                    </div>
                                    <div class="col-md-6 d-flex align-items-center">
                                        <?php
                                        $provider = $settings['bank_provider'] ?? '';
                                        if ($provider): ?>
                                            <div class="alert alert-info mb-0 w-100">
                                                <?php if ($provider === 'revolut_business'): ?>
                                                    Export from: <strong>Revolut Business → Accounts → Export</strong>
                                                <?php elseif ($provider === 'tide'): ?>
                                                    Export from: <strong>Tide → Transactions → Export CSV</strong>
                                                <?php elseif ($provider === 'monzo_business'): ?>
                                                    Export from: <strong>Monzo → Statements → Download CSV</strong>
                                                <?php elseif ($provider === 'starling'): ?>
                                                    Export from: <strong>Starling → Spaces → Download CSV</strong>
                                                <?php else: ?>
                                                    Export your transactions as CSV from your online banking
                                                <?php endif; ?>
                                            </div>
                                        <?php endif; ?>
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- HMRC Connection -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">HMRC Connection</h5>
                            </div>
                            <div class="card-body">
                                <?php if ($hmrcConnected): ?>
                                    <div class="d-flex align-items-center gap-3 mb-3">
                                        <span class="badge bg-success fs-6">&#10003; Connected</span>
                                        <?php if (!empty($hmrcTokens['vrn'])): ?>
                                            <span class="text-muted">VRN: <strong><?php echo htmlspecialchars($hmrcTokens['vrn']); ?></strong></span>
                                        <?php endif; ?>
                                        <span class="text-muted">
                                            Token expires: <strong><?php echo date('d M Y H:i', strtotime($hmrcTokens['token_expires'])); ?></strong>
                                        </span>
                                    </div>
                                    <a href="hmrc/disconnect.php"
                                       class="btn btn-danger"
                                       onclick="return confirm('Are you sure you want to disconnect from HMRC?')">
                                        Disconnect from HMRC
                                    </a>
                                <?php else: ?>
                                    <p class="text-muted mb-3">
                                        Connect to HMRC to submit VAT returns and MTD ITSA updates directly from Lighthouse.
                                    </p>
                                    <div class="alert alert-warning">
                                        <i class="fas fa-exclamation-triangle me-2"></i>
                                        Make sure your UTR and VAT number are saved before connecting.
                                    </div>
                                    <a href="hmrc/connect.php" class="btn btn-primary">
                                        <i class="fas fa-link me-2"></i>Connect to HMRC
                                    </a>
                                <?php endif; ?>
                            </div>
                        </div>

                        <!-- VAT Settings -->
                        <div class="card mb-4" id="vat_registered">
                            <div class="card-header">
                                <h5 class="card-title mb-0">VAT Settings</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-12">
                                        <div class="form-check form-switch">
                                            <input class="form-check-input" type="checkbox"
                                                   name="is_vat_registered" id="isVatRegistered" value="1"
                                                   <?php echo !empty($vat_settings['is_vat_registered']) ? 'checked' : ''; ?>>
                                            <label class="form-check-label" for="isVatRegistered">
                                                <strong>I am VAT Registered</strong>
                                            </label>
                                        </div>
                                    </div>

                                    <div id="vatFields" style="<?php echo empty($vat_settings['is_vat_registered']) ? 'display:none' : ''; ?>">
                                        <div class="row g-3">
                                            <div class="col-md-6">
                                                <label class="form-label">VAT Number</label>
                                                <input type="text" class="form-control" name="vat_number_hmrc"
                                                       placeholder="GB123456789"
                                                       value="<?php echo htmlspecialchars($vat_settings['vat_number'] ?? ''); ?>">
                                                <small class="text-muted">Used for HMRC VAT submissions</small>
                                            </div>
                                            <div class="col-md-6">
                                                <label class="form-label">VAT Registration Date</label>
                                                <input type="date" class="form-control" name="vat_period_start"
                                                       value="<?php echo htmlspecialchars($vat_settings['vat_period_start'] ?? ''); ?>">
                                                <small class="text-muted">The date you became VAT registered</small>
                                            </div>
                                            <div class="col-md-6">
                                                <label class="form-label">VAT Rate</label>
                                                <select class="form-select" name="vat_rate">
                                                    <option value="20" <?php echo ($vat_settings['vat_rate'] ?? '20') == '20' ? 'selected' : ''; ?>>
                                                        Standard Rate — 20%
                                                    </option>
                                                    <option value="5" <?php echo ($vat_settings['vat_rate'] ?? '') == '5' ? 'selected' : ''; ?>>
                                                        Reduced Rate — 5%
                                                    </option>
                                                    <option value="0" <?php echo ($vat_settings['vat_rate'] ?? '') == '0' ? 'selected' : ''; ?>>
                                                        Zero Rate — 0%
                                                    </option>
                                                </select>
                                            </div>
                                            <div class="col-md-6">
                                                <label class="form-label">VAT Scheme</label>
                                                <select class="form-select" name="vat_scheme">
                                                    <option value="standard" <?php echo ($vat_settings['vat_scheme'] ?? 'standard') === 'standard' ? 'selected' : ''; ?>>
                                                        Standard Accounting
                                                    </option>
                                                    <option value="flat_rate" <?php echo ($vat_settings['vat_scheme'] ?? '') === 'flat_rate' ? 'selected' : ''; ?>>
                                                        Flat Rate Scheme
                                                    </option>
                                                    <option value="cash" <?php echo ($vat_settings['vat_scheme'] ?? '') === 'cash' ? 'selected' : ''; ?>>
                                                        Cash Accounting
                                                    </option>
                                                </select>
                                                <small class="text-muted">Not sure? Most small businesses use Standard Accounting</small>
                                            </div>
                                            <div class="col-md-6">
                                                <label class="form-label">VAT Quarter End Month</label>
                                                <select class="form-select" name="vat_quarter_end">
                                                    <option value="Jan" <?php echo ($vat_settings['vat_quarter_end'] ?? '') === 'Jan' ? 'selected' : ''; ?>>
                                                        Stagger 1 — Jan / Apr / Jul / Oct
                                                    </option>
                                                    <option value="Feb" <?php echo ($vat_settings['vat_quarter_end'] ?? '') === 'Feb' ? 'selected' : ''; ?>>
                                                        Stagger 2 — Feb / May / Aug / Nov
                                                    </option>
                                                    <option value="Mar" <?php echo ($vat_settings['vat_quarter_end'] ?? 'Mar') === 'Mar' ? 'selected' : ''; ?>>
                                                        Stagger 3 — Mar / Jun / Sep / Dec
                                                    </option>
                                                </select>
                                                <small class="text-muted">Check your VAT registration certificate if unsure</small>
                                            </div>
                                            <div class="col-md-6 d-flex align-items-center">
                                                <div class="alert alert-info mb-0 w-100">
                                                    <i class="fas fa-info-circle me-2"></i>
                                                    VAT returns are submitted <strong>quarterly</strong> to HMRC.
                                                    You have <strong>1 month and 7 days</strong> after each quarter end to file and pay.
                                                </div>
                                            </div>
                                        </div>
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Invoice Settings -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Invoice Settings</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-3">
                                        <label class="form-label">Invoice Prefix</label>
                                        <input type="text" class="form-control" name="invoice_prefix"
                                               value="<?php echo htmlspecialchars($settings['invoice_prefix'] ?? 'INV-'); ?>">
                                    </div>
                                    <div class="col-md-3">
                                        <label class="form-label">Next Invoice Number</label>
                                        <input type="number" class="form-control" name="invoice_next_number"
                                               value="<?php echo htmlspecialchars($settings['invoice_next_number'] ?? '1'); ?>">
                                    </div>
                                    <div class="col-md-3">
                                        <label class="form-label">Default Payment Terms (Days)</label>
                                        <input type="number" class="form-control" name="default_payment_terms"
                                               value="<?php echo htmlspecialchars($settings['default_payment_terms'] ?? '30'); ?>">
                                    </div>
                                    <div class="col-md-3">
                                        <label class="form-label">Default Tax Rate (%)</label>
                                        <input type="number" step="0.01" class="form-control" name="default_tax_rate"
                                               value="<?php echo htmlspecialchars($settings['default_tax_rate'] ?? '20.00'); ?>">
                                    </div>
                                    <div class="col-12">
                                        <label class="form-label">Default Invoice Notes</label>
                                        <textarea class="form-control" name="invoice_notes" rows="3"><?php
                                            echo htmlspecialchars($settings['invoice_notes'] ?? '');
                                        ?></textarea>
                                    </div>
                                    <div class="col-12">
                                        <label class="form-label">Payment Instructions</label>
                                        <textarea class="form-control" name="payment_instructions" rows="3"><?php
                                            echo htmlspecialchars($settings['payment_instructions'] ?? '');
                                        ?></textarea>
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Email Settings -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Email Settings</h5>
                            </div>
                            <div class="card-body">
                                <div class="row g-3">
                                    <div class="col-md-6">
                                        <label class="form-label">SMTP Host</label>
                                        <input type="text" class="form-control" name="smtp_host"
                                               value="<?php echo htmlspecialchars($settings['smtp_host'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">SMTP Port</label>
                                        <input type="number" class="form-control" name="smtp_port"
                                               value="<?php echo htmlspecialchars($settings['smtp_port'] ?? '587'); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">SMTP Username</label>
                                        <input type="text" class="form-control" name="smtp_username"
                                               value="<?php echo htmlspecialchars($settings['smtp_username'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">SMTP Password</label>
                                        <input type="password" class="form-control" name="smtp_password"
                                               value="<?php echo htmlspecialchars($settings['smtp_password'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">From Email</label>
                                        <input type="email" class="form-control" name="from_email"
                                               value="<?php echo htmlspecialchars($settings['from_email'] ?? ''); ?>">
                                    </div>
                                    <div class="col-md-6">
                                        <label class="form-label">From Name</label>
                                        <input type="text" class="form-control" name="from_name"
                                               value="<?php echo htmlspecialchars($settings['from_name'] ?? ''); ?>">
                                    </div>
                                </div>
                            </div>
                        </div>

                        <!-- Accounting Period -->
                        <div class="card mb-4">
                            <div class="card-header">
                                <h5 class="card-title mb-0">Accounting Period</h5>
                            </div>
                            <div class="card-body">
                                <div class="alert alert-info mb-0">
                                    <i class="fas fa-calendar me-2"></i>
                                    Your tax year runs <strong>6 April to 5 April</strong>.
                                    Your first tax year is calculated from your business start date in Self Assessment settings above.
                                </div>
                            </div>
                        </div>

                    </form>
                    <!-- END FORM 2 -->

                </div>
            </div>
        </div>
    </div>
</div>

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<?php require_once 'includes/footer.php'; ?>