<?php

/** Server-owned plan terms. Client input is never trusted for rates or duration. */
function investment_plans(): array {
    return [
        'digital-assets' => ['name' => 'Digital assets', 'minimum' => 500.00, 'months' => 4, 'rate' => 1.00, 'risk' => 'Higher', 'methodology' => 'Strategy-dependent'],
        'precious-metals' => ['name' => 'Precious metals', 'minimum' => 1000.00, 'months' => 6, 'rate' => 1.00, 'risk' => 'Moderate', 'methodology' => 'Market-linked'],
        'real-assets' => ['name' => 'Real assets', 'minimum' => 2500.00, 'months' => 8, 'rate' => 0.75, 'risk' => 'Moderate-higher', 'methodology' => 'Asset performance'],
    ];
}