feat(pricing): implement regulatory discounts (Articles 97-102, 110)

Full-cycle implementation of club bylaw discount rules:
- Art 97: Cross-branch member discounts (50% Sheraton↔6th Oct, 25% →Admin Capital)
- Art 98: Government employees 50%, Ministry of Youth 62.5% at Admin Capital
- Art 99: Ministry of Youth 25% at Sheraton/6th Oct
- Art 100: Board of Trustees 50% + 2yr interest-free installment
- Art 101: Ministry employees installment-only (no discount)
- Art 102: Club employees (5+ yrs) up to 15%
- Art 110: Group membership tiered (5-10→3%, 11-20→7%, 21+→10%)

Includes: migration, seed data, model, service with eligibility engine,
controller (CRUD + eligibility check API + application workflow),
views (index, form, applications), routes, permissions, menu entry,
and PricingEngine integration.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

app/Modules/Pricing/Models/RegulatoryDiscount.php

+<?php
+declare(strict_types=1);
+
+namespace App\Modules\Pricing\Models;
+
+use App\Core\Model;
+
+class RegulatoryDiscount extends Model
+{
+    protected string $table = 'regulatory_discounts';
+    protected array $fillable = [
+        'article_number', 'name_ar', 'name_en', 'description',
+        'discount_percentage', 'max_discount_percentage',
+        'eligibility_type', 'source_branch_id', 'target_branch_id',
+        'min_service_years', 'allows_installment', 'installment_max_years',
+        'installment_interest_rate', 'applies_to', 'is_active',
+        'effective_from', 'effective_to', 'board_decision_number',
+        'board_decision_date', 'notes', 'created_by', 'updated_by',
+    ];
+
+    public static function search(array $filters, int $perPage = 25, int $page = 1): array
+    {
+        $query = static::query();
+        if (!empty($filters['search'])) {
+            $query->where('name_ar', 'LIKE', '%' . $filters['search'] . '%');
+        }
+        if ($filters['is_active'] !== '') {
+            $query->where('is_active', '=', (int) $filters['is_active']);
+        }
+        if (!empty($filters['eligibility_type'])) {
+            $query->where('eligibility_type', '=', $filters['eligibility_type']);
+        }
+        return $query->orderBy('article_number', 'ASC')->paginate($perPage, $page);
+    }
+
+    public static function getActiveByType(string $eligibilityType, ?int $targetBranchId = null): array
+    {
+        $db = \App\Core\App::getInstance()->db();
+        $sql = "SELECT * FROM regulatory_discounts WHERE eligibility_type = ? AND is_active = 1 AND (effective_from IS NULL OR effective_from <= CURDATE()) AND (effective_to IS NULL OR effective_to >= CURDATE())";
+        $params = [$eligibilityType];
+
+        if ($targetBranchId !== null) {
+            $sql .= " AND (target_branch_id = ? OR target_branch_id IS NULL)";
+            $params[] = $targetBranchId;
+        }
+
+        return $db->select($sql, $params);
+    }
+}

app/Modules/Pricing/Routes.php

@@ -33,4 +33,16 @@ return [
     ['GET',  '/pricing/special-discounts/{id:\d+}/edit',    'Pricing\Controllers\SpecialDiscountController@edit',         ['auth'], 'pricing.special_discounts.edit'],
     ['POST', '/pricing/special-discounts/{id:\d+}',         'Pricing\Controllers\SpecialDiscountController@update',       ['auth', 'csrf'], 'pricing.special_discounts.edit'],
     ['POST', '/pricing/special-discounts/{id:\d+}/toggle',  'Pricing\Controllers\SpecialDiscountController@toggleActive', ['auth', 'csrf'], 'pricing.special_discounts.edit'],
+
+    // Regulatory Discounts (Articles 97-102, 110)
+    ['GET',  '/pricing/regulatory-discounts',                              'Pricing\Controllers\RegulatoryDiscountController@index',              ['auth'], 'pricing.regulatory_discounts.view'],
+    ['GET',  '/pricing/regulatory-discounts/create',                       'Pricing\Controllers\RegulatoryDiscountController@create',             ['auth'], 'pricing.regulatory_discounts.create'],
+    ['POST', '/pricing/regulatory-discounts',                              'Pricing\Controllers\RegulatoryDiscountController@store',              ['auth', 'csrf'], 'pricing.regulatory_discounts.create'],
+    ['GET',  '/pricing/regulatory-discounts/{id:\d+}/edit',                'Pricing\Controllers\RegulatoryDiscountController@edit',               ['auth'], 'pricing.regulatory_discounts.edit'],
+    ['POST', '/pricing/regulatory-discounts/{id:\d+}',                     'Pricing\Controllers\RegulatoryDiscountController@update',             ['auth', 'csrf'], 'pricing.regulatory_discounts.edit'],
+    ['POST', '/pricing/regulatory-discounts/{id:\d+}/toggle',              'Pricing\Controllers\RegulatoryDiscountController@toggleActive',       ['auth', 'csrf'], 'pricing.regulatory_discounts.edit'],
+    ['POST', '/pricing/regulatory-discounts/check-eligibility',            'Pricing\Controllers\RegulatoryDiscountController@checkEligibility',   ['auth', 'csrf'], 'pricing.regulatory_discounts.view'],
+    ['GET',  '/pricing/regulatory-discounts/applications',                 'Pricing\Controllers\RegulatoryDiscountController@applications',       ['auth'], 'pricing.regulatory_discounts.approve'],
+    ['POST', '/pricing/regulatory-discounts/applications/{id:\d+}/approve','Pricing\Controllers\RegulatoryDiscountController@approveApplication', ['auth', 'csrf'], 'pricing.regulatory_discounts.approve'],
+    ['POST', '/pricing/regulatory-discounts/applications/{id:\d+}/reject', 'Pricing\Controllers\RegulatoryDiscountController@rejectApplication',  ['auth', 'csrf'], 'pricing.regulatory_discounts.approve'],
 ];
\ No newline at end of file

app/Modules/Pricing/Services/PricingEngine.php

@@ -213,6 +213,35 @@ final class PricingEngine
         ];
     }
 
+    public static function applyRegulatoryDiscount(string $membershipFee, array $context): array
+    {
+        $best = RegulatoryDiscountService::getBestDiscount(array_merge($context, ['membership_fee' => $membershipFee]));
+
+        if (!$best) {
+            return [
+                'original_amount'     => $membershipFee,
+                'discount_amount'     => '0.00',
+                'final_amount'        => $membershipFee,
+                'discount_percentage' => '0.00',
+                'rule_applied'        => null,
+                'allows_installment'  => false,
+            ];
+        }
+
+        return [
+            'original_amount'         => $best['original_amount'],
+            'discount_amount'         => $best['discount_amount'],
+            'final_amount'            => $best['final_amount'],
+            'discount_percentage'     => $best['discount_percentage'],
+            'rule_applied'            => $best['name_ar'],
+            'article_number'          => $best['article_number'],
+            'rule_id'                 => $best['rule_id'],
+            'allows_installment'      => $best['allows_installment'],
+            'installment_max_years'   => $best['installment_max_years'],
+            'installment_interest_rate' => $best['installment_interest_rate'],
+        ];
+    }
+
     public static function getServiceFee(string $serviceCode, ?int $branchId = null): ?array
     {
         $db = App::getInstance()->db();

app/Modules/Pricing/Services/RegulatoryDiscountService.php

+<?php
+declare(strict_types=1);
+
+namespace App\Modules\Pricing\Services;
+
+use App\Core\App;
+use App\Core\Logger;
+use App\Modules\Pricing\Models\RegulatoryDiscount;
+
+final class RegulatoryDiscountService
+{
+    /**
+     * Evaluate all applicable regulatory discounts for a membership application.
+     *
+     * @param array $context Keys: target_branch_id, source_branch_id (if existing member),
+     *                       is_government_employee, is_ministry_youth_employee,
+     *                       is_board_of_trustees, is_club_employee, employee_years,
+     *                       group_quantity, membership_fee
+     * @return array List of applicable discounts with calculated amounts
+     */
+    public static function evaluateEligibility(array $context): array
+    {
+        $applicable = [];
+
+        $targetBranchId = (int) ($context['target_branch_id'] ?? 0);
+        $sourceBranchId = (int) ($context['source_branch_id'] ?? 0);
+        $membershipFee = (string) ($context['membership_fee'] ?? '0');
+
+        // Cross-branch member discount (Article 97)
+        if ($sourceBranchId > 0 && $targetBranchId > 0 && $sourceBranchId !== $targetBranchId) {
+            $rules = RegulatoryDiscount::getActiveByType('cross_branch_member', $targetBranchId);
+            foreach ($rules as $rule) {
+                if ((int) $rule['source_branch_id'] === $sourceBranchId) {
+                    $applicable[] = self::buildResult($rule, $membershipFee);
+                }
+            }
+        }
+
+        // Government employee discount (Article 98)
+        if (!empty($context['is_government_employee'])) {
+            $rules = RegulatoryDiscount::getActiveByType('government_employee', $targetBranchId);
+            foreach ($rules as $rule) {
+                $applicable[] = self::buildResult($rule, $membershipFee);
+            }
+        }
+
+        // Ministry of Youth employee discount (Articles 98, 99)
+        if (!empty($context['is_ministry_youth_employee'])) {
+            $rules = RegulatoryDiscount::getActiveByType('ministry_youth_employee', $targetBranchId);
+            foreach ($rules as $rule) {
+                $applicable[] = self::buildResult($rule, $membershipFee);
+            }
+        }
+
+        // Board of Trustees discount (Article 100)
+        if (!empty($context['is_board_of_trustees'])) {
+            $rules = RegulatoryDiscount::getActiveByType('board_of_trustees', $targetBranchId);
+            foreach ($rules as $rule) {
+                $applicable[] = self::buildResult($rule, $membershipFee);
+            }
+        }
+
+        // Club employee discount (Article 102)
+        if (!empty($context['is_club_employee'])) {
+            $employeeYears = (int) ($context['employee_years'] ?? 0);
+            $rules = RegulatoryDiscount::getActiveByType('club_employee', $targetBranchId);
+            foreach ($rules as $rule) {
+                $minYears = (int) ($rule['min_service_years'] ?? 0);
+                if ($employeeYears >= $minYears) {
+                    $applicable[] = self::buildResult($rule, $membershipFee);
+                }
+            }
+        }
+
+        // Group membership discount (Article 110)
+        $groupQty = (int) ($context['group_quantity'] ?? 0);
+        if ($groupQty >= 5) {
+            $rules = RegulatoryDiscount::getActiveByType('group_membership', $targetBranchId);
+            foreach ($rules as $rule) {
+                $tier = self::getGroupTier((int) $rule['id'], $groupQty);
+                if ($tier) {
+                    $result = self::buildResult($rule, $membershipFee, (string) $tier['discount_percentage']);
+                    $result['tier'] = $tier;
+                    $result['group_quantity'] = $groupQty;
+                    $applicable[] = $result;
+                }
+            }
+        }
+
+        return $applicable;
+    }
+
+    /**
+     * Get the best single discount for a given context (non-stackable — take highest).
+     */
+    public static function getBestDiscount(array $context): ?array
+    {
+        $applicable = self::evaluateEligibility($context);
+        if (empty($applicable)) {
+            return null;
+        }
+
+        usort($applicable, function ($a, $b) {
+            return bccomp($b['discount_amount'], $a['discount_amount'], 2);
+        });
+
+        return $applicable[0];
+    }
+
+    /**
+     * Create an application record for audit trail.
+     */
+    public static function createApplication(array $data): int
+    {
+        $db = App::getInstance()->db();
+        return $db->insert('regulatory_discount_applications', [
+            'regulatory_discount_id' => $data['regulatory_discount_id'],
+            'member_id'              => $data['member_id'] ?? null,
+            'applicant_name'         => $data['applicant_name'] ?? null,
+            'discount_percentage'    => $data['discount_percentage'],
+            'original_amount'        => $data['original_amount'],
+            'discount_amount'        => $data['discount_amount'],
+            'final_amount'           => $data['final_amount'],
+            'status'                 => $data['status'] ?? 'pending',
+            'verification_data'      => isset($data['verification_data']) ? json_encode($data['verification_data']) : null,
+            'notes'                  => $data['notes'] ?? null,
+            'created_by'             => $data['created_by'] ?? null,
+        ]);
+    }
+
+    /**
+     * Approve a pending discount application.
+     */
+    public static function approveApplication(int $applicationId, int $approvedBy): bool
+    {
+        $db = App::getInstance()->db();
+        $app = $db->selectOne("SELECT * FROM regulatory_discount_applications WHERE id = ?", [$applicationId]);
+        if (!$app || $app['status'] !== 'pending') {
+            return false;
+        }
+
+        $db->update('regulatory_discount_applications', [
+            'status'      => 'approved',
+            'approved_by' => $approvedBy,
+            'approved_at' => date('Y-m-d H:i:s'),
+        ], 'id = ?', [$applicationId]);
+
+        return true;
+    }
+
+    /**
+     * Verify club employee eligibility by checking HR records.
+     */
+    public static function verifyClubEmployee(int $employeeId): array
+    {
+        $db = App::getInstance()->db();
+        $profile = $db->selectOne(
+            "SELECT employee_id, first_name_ar, last_name_ar, hire_date, employment_status FROM hr_employee_profiles WHERE employee_id = ? AND is_archived = 0",
+            [$employeeId]
+        );
+
+        if (!$profile || $profile['employment_status'] !== 'active') {
+            return ['eligible' => false, 'reason' => 'الموظف غير نشط أو غير موجود'];
+        }
+
+        $hireDate = new \DateTime($profile['hire_date']);
+        $now = new \DateTime();
+        $years = (int) $now->diff($hireDate)->y;
+
+        return [
+            'eligible'      => true,
+            'employee_name' => $profile['first_name_ar'] . ' ' . $profile['last_name_ar'],
+            'hire_date'     => $profile['hire_date'],
+            'service_years' => $years,
+        ];
+    }
+
+    /**
+     * Verify existing membership in another branch (for cross-branch discount).
+     */
+    public static function verifyCrossBranchMembership(int $memberId, int $sourceBranchId): array
+    {
+        $db = App::getInstance()->db();
+        $member = $db->selectOne(
+            "SELECT m.id, m.member_number, m.full_name_ar, m.branch_id, b.name_ar as branch_name FROM members m LEFT JOIN branches b ON b.id = m.branch_id WHERE m.id = ? AND m.branch_id = ? AND m.status = 'active'",
+            [$memberId, $sourceBranchId]
+        );
+
+        if (!$member) {
+            return ['eligible' => false, 'reason' => 'لا توجد عضوية نشطة في الفرع المصدر'];
+        }
+
+        return [
+            'eligible'      => true,
+            'member_number' => $member['member_number'],
+            'member_name'   => $member['full_name_ar'],
+            'branch_name'   => $member['branch_name'],
+        ];
+    }
+
+    private static function buildResult(array $rule, string $membershipFee, ?string $overridePercentage = null): array
+    {
+        $pct = $overridePercentage ?? $rule['discount_percentage'];
+
+        if ($rule['max_discount_percentage'] !== null) {
+            $pct = min((float) $pct, (float) $rule['max_discount_percentage']);
+            $pct = number_format($pct, 2, '.', '');
+        }
+
+        $discountAmount = bcmul($membershipFee, bcdiv($pct, '100', 4), 2);
+        $finalAmount = bcsub($membershipFee, $discountAmount, 2);
+
+        return [
+            'rule_id'             => (int) $rule['id'],
+            'article_number'      => $rule['article_number'],
+            'name_ar'             => $rule['name_ar'],
+            'eligibility_type'    => $rule['eligibility_type'],
+            'discount_percentage' => $pct,
+            'original_amount'     => $membershipFee,
+            'discount_amount'     => $discountAmount,
+            'final_amount'        => $finalAmount,
+            'allows_installment'  => (bool) $rule['allows_installment'],
+            'installment_max_years' => $rule['installment_max_years'] ? (int) $rule['installment_max_years'] : null,
+            'installment_interest_rate' => $rule['installment_interest_rate'],
+        ];
+    }
+
+    private static function getGroupTier(int $discountId, int $quantity): ?array
+    {
+        $db = App::getInstance()->db();
+        return $db->selectOne(
+            "SELECT * FROM regulatory_discount_group_tiers WHERE regulatory_discount_id = ? AND is_active = 1 AND min_quantity <= ? AND (max_quantity IS NULL OR max_quantity >= ?) ORDER BY min_quantity DESC LIMIT 1",
+            [$discountId, $quantity, $quantity]
+        );
+    }
+}

app/Modules/Pricing/Views/regulatory_discounts/applications.php

+<?php $__template->layout('Layout.main'); ?>
+<?php $__template->section('title'); ?>طلبات الخصم اللائحي<?php $__template->endSection(); ?>
+
+<?php $__template->section('page_actions'); ?>
+<a href="/pricing/regulatory-discounts" class="btn btn-outline">
+    <i data-lucide="arrow-right" style="width:15px;height:15px;vertical-align:middle;margin-left:4px;"></i> العودة للخصومات
+</a>
+<?php $__template->endSection(); ?>
+
+<?php $__template->section('content'); ?>
+
+<!-- Filters -->
+<div class="card" style="margin-bottom:15px;padding:15px;">
+    <form method="GET" action="/pricing/regulatory-discounts/applications" style="display:flex;gap:10px;align-items:end;">
+        <div class="form-group" style="min-width:180px;">
+            <label class="form-label">الحالة</label>
+            <select name="status" class="form-input">
+                <option value="">— الكل —</option>
+                <option value="pending" <?= ($statusFilter ?? '') === 'pending' ? 'selected' : '' ?>>معلق</option>
+                <option value="approved" <?= ($statusFilter ?? '') === 'approved' ? 'selected' : '' ?>>معتمد</option>
+                <option value="rejected" <?= ($statusFilter ?? '') === 'rejected' ? 'selected' : '' ?>>مرفوض</option>
+            </select>
+        </div>
+        <button type="submit" class="btn btn-primary" style="padding:8px 20px;">
+            <i data-lucide="filter" style="width:14px;height:14px;vertical-align:middle;"></i> تصفية
+        </button>
+    </form>
+</div>
+
+<!-- Table -->
+<div class="card">
+    <div style="padding:15px 20px;border-bottom:1px solid #E5E7EB;display:flex;align-items:center;gap:8px;">
+        <i data-lucide="file-check" style="width:18px;height:18px;color:#0D7377;"></i>
+        <h3 style="margin:0;color:#0D7377;font-size:15px;">طلبات تطبيق الخصم اللائحي</h3>
+        <?php if (!empty($pagination['total'])): ?>
+        <span style="margin-right:auto;background:#F3F4F6;padding:2px 10px;border-radius:10px;font-size:12px;color:#6B7280;"><?= $pagination['total'] ?> طلب</span>
+        <?php endif; ?>
+    </div>
+    <?php if (!empty($rows)): ?>
+    <div class="table-responsive">
+        <table class="data-table">
+            <thead>
+                <tr>
+                    <th>#</th>
+                    <th>المادة / القاعدة</th>
+                    <th>مقدم الطلب</th>
+                    <th>المبلغ الأصلي</th>
+                    <th>الخصم</th>
+                    <th>المبلغ النهائي</th>
+                    <th>الحالة</th>
+                    <th>التاريخ</th>
+                    <th></th>
+                </tr>
+            </thead>
+            <tbody>
+                <?php foreach ($rows as $row): ?>
+                <tr>
+                    <td style="color:#9CA3AF;font-size:12px;"><?= (int) $row['id'] ?></td>
+                    <td>
+                        <div style="font-weight:600;font-size:13px;"><?= e($row['rule_name'] ?? '—') ?></div>
+                        <div style="font-size:11px;color:#6B7280;">مادة <?= e($row['article_number'] ?? '') ?></div>
+                    </td>
+                    <td style="font-size:13px;"><?= e($row['applicant_name'] ?? '—') ?></td>
+                    <td style="font-size:13px;direction:ltr;text-align:right;"><?= money($row['original_amount'] ?? 0) ?></td>
+                    <td style="font-weight:700;color:#DC2626;font-size:13px;direction:ltr;text-align:right;">
+                        -<?= money($row['discount_amount'] ?? 0) ?>
+                        <div style="font-size:11px;color:#6B7280;">(<?= e($row['discount_percentage'] ?? 0) ?>%)</div>
+                    </td>
+                    <td style="font-weight:700;color:#059669;font-size:13px;direction:ltr;text-align:right;"><?= money($row['final_amount'] ?? 0) ?></td>
+                    <td>
+                        <?= match($row['status']) {
+                            'pending'  => '<span style="display:inline-block;padding:3px 10px;border-radius:10px;font-size:12px;font-weight:600;background:#FEF3C7;color:#92400E;">معلق</span>',
+                            'approved' => '<span style="display:inline-block;padding:3px 10px;border-radius:10px;font-size:12px;font-weight:600;background:#ECFDF5;color:#059669;">معتمد</span>',
+                            'rejected' => '<span style="display:inline-block;padding:3px 10px;border-radius:10px;font-size:12px;font-weight:600;background:#FEF2F2;color:#DC2626;">مرفوض</span>',
+                            default    => $row['status']
+                        } ?>
+                    </td>
+                    <td style="font-size:12px;color:#6B7280;"><?= e(substr($row['created_at'] ?? '', 0, 10)) ?></td>
+                    <td style="white-space:nowrap;">
+                        <?php if ($row['status'] === 'pending'): ?>
+                            <form method="POST" action="/pricing/regulatory-discounts/applications/<?= (int) $row['id'] ?>/approve" style="display:inline;">
+                                <?= csrf_field() ?>
+                                <button type="submit" class="btn btn-sm" style="font-size:11px;padding:3px 8px;background:#ECFDF5;color:#059669;border:1px solid #A7F3D0;">اعتماد</button>
+                            </form>
+                            <button type="button" class="btn btn-sm" style="font-size:11px;padding:3px 8px;background:#FEF2F2;color:#DC2626;border:1px solid #FECACA;" onclick="rejectApp(<?= (int) $row['id'] ?>)">رفض</button>
+                        <?php elseif ($row['status'] === 'rejected' && $row['rejection_reason']): ?>
+                            <span title="<?= e($row['rejection_reason']) ?>" style="cursor:help;color:#DC2626;font-size:11px;">سبب الرفض</span>
+                        <?php endif; ?>
+                    </td>
+                </tr>
+                <?php endforeach; ?>
+            </tbody>
+        </table>
+    </div>
+    <?php if ($pagination['last_page'] > 1): ?>
+    <div style="padding:15px 20px;border-top:1px solid #E5E7EB;text-align:center;">
+        <?php for ($i = 1; $i <= $pagination['last_page']; $i++): ?>
+            <?php if ($i == $pagination['current_page']): ?>
+                <span style="display:inline-block;padding:4px 12px;background:#0D7377;color:#fff;border-radius:4px;font-size:13px;margin:0 2px;"><?= $i ?></span>
+            <?php else: ?>
+                <a href="?page=<?= $i ?>&status=<?= urlencode($statusFilter ?? '') ?>" style="display:inline-block;padding:4px 12px;color:#0D7377;text-decoration:none;font-size:13px;margin:0 2px;"><?= $i ?></a>
+            <?php endif; ?>
+        <?php endfor; ?>
+    </div>
+    <?php endif; ?>
+    <?php else: ?>
+    <div style="padding:60px 20px;text-align:center;">
+        <div style="margin-bottom:15px;"><i data-lucide="file-check" style="width:48px;height:48px;color:#D1D5DB;"></i></div>
+        <h3 style="color:#6B7280;margin:0 0 8px;">لا توجد طلبات خصم</h3>
+        <p style="color:#9CA3AF;font-size:14px;margin:0;">تظهر هنا طلبات تطبيق الخصم اللائحي عند تقديمها من شاشة العضويات.</p>
+    </div>
+    <?php endif; ?>
+</div>
+
+<!-- Rejection Modal -->
+<div id="reject-modal" style="display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,0.5);z-index:9999;align-items:center;justify-content:center;">
+    <div style="background:#fff;border-radius:12px;padding:25px;max-width:400px;width:90%;">
+        <h4 style="margin:0 0 15px;color:#DC2626;">رفض طلب الخصم</h4>
+        <form method="POST" id="reject-form">
+            <?= csrf_field() ?>
+            <div class="form-group" style="margin-bottom:15px;">
+                <label class="form-label">سبب الرفض (اختياري)</label>
+                <textarea name="rejection_reason" class="form-input" rows="3" placeholder="أدخل سبب الرفض..."></textarea>
+            </div>
+            <div style="display:flex;gap:10px;">
+                <button type="submit" class="btn" style="background:#DC2626;color:#fff;padding:8px 20px;">تأكيد الرفض</button>
+                <button type="button" class="btn btn-outline" onclick="closeRejectModal()">إلغاء</button>
+            </div>
+        </form>
+    </div>
+</div>
+
+<script>
+document.addEventListener('DOMContentLoaded', function() { if (typeof lucide !== 'undefined') lucide.createIcons(); });
+
+function rejectApp(id) {
+    document.getElementById('reject-form').action = '/pricing/regulatory-discounts/applications/' + id + '/reject';
+    document.getElementById('reject-modal').style.display = 'flex';
+}
+function closeRejectModal() {
+    document.getElementById('reject-modal').style.display = 'none';
+}
+</script>
+<?php $__template->endSection(); ?>

app/Modules/Pricing/bootstrap.php

@@ -17,6 +17,7 @@ MenuRegistry::register('pricing', [
         ['label_ar' => 'لوحة التسعير',       'label_en' => 'Pricing Dashboard',   'route' => '/pricing',                    'permission' => 'pricing.view',                  'order' => 1],
         ['label_ar' => 'عروض مجلس الإدارة',  'label_en' => 'Board Offers',        'route' => '/pricing/board-offers',       'permission' => 'pricing.board_offers.view',     'order' => 2],
         ['label_ar' => 'الخصومات الخاصة',    'label_en' => 'Special Discounts',   'route' => '/pricing/special-discounts',  'permission' => 'pricing.special_discounts.view', 'order' => 3],
+        ['label_ar' => 'الخصومات اللائحية',  'label_en' => 'Regulatory Discounts','route' => '/pricing/regulatory-discounts','permission' => 'pricing.regulatory_discounts.view', 'order' => 4],
     ],
 ]);
 
@@ -29,6 +30,10 @@ PermissionRegistry::register('pricing', [
     'pricing.special_discounts.view'   => ['ar' => 'عرض الخصومات الخاصة',    'en' => 'View Special Discounts'],
     'pricing.special_discounts.create' => ['ar' => 'إنشاء خصم خاص',          'en' => 'Create Special Discount'],
     'pricing.special_discounts.edit'   => ['ar' => 'تعديل الخصومات الخاصة',  'en' => 'Edit Special Discounts'],
+    'pricing.regulatory_discounts.view'    => ['ar' => 'عرض الخصومات اللائحية',    'en' => 'View Regulatory Discounts'],
+    'pricing.regulatory_discounts.create'  => ['ar' => 'إنشاء خصم لائحي',          'en' => 'Create Regulatory Discount'],
+    'pricing.regulatory_discounts.edit'    => ['ar' => 'تعديل الخصومات اللائحية',  'en' => 'Edit Regulatory Discounts'],
+    'pricing.regulatory_discounts.approve' => ['ar' => 'اعتماد طلبات الخصم اللائحي','en' => 'Approve Regulatory Discount Applications'],
 ]);
 
 // When a member is activated, check if their discount includes free subscription bonus

database/migrations/Phase_99_003_create_regulatory_discounts.php

+<?php
+declare(strict_types=1);
+
+return function (\App\Core\Database $db): void {
+    $db->raw("
+        CREATE TABLE IF NOT EXISTS `regulatory_discounts` (
+            `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
+            `article_number` VARCHAR(20) NOT NULL COMMENT 'رقم المادة في اللائحة',
+            `name_ar` VARCHAR(300) NOT NULL,
+            `name_en` VARCHAR(300) NULL,
+            `description` TEXT NULL,
+            `discount_percentage` DECIMAL(5,2) NOT NULL DEFAULT 0.00,
+            `max_discount_percentage` DECIMAL(5,2) NULL COMMENT 'الحد الأقصى للخصم (لمادة 102)',
+            `eligibility_type` ENUM(
+                'cross_branch_member',
+                'government_employee',
+                'ministry_youth_employee',
+                'board_of_trustees',
+                'club_employee',
+                'group_membership'
+            ) NOT NULL,
+            `source_branch_id` BIGINT UNSIGNED NULL COMMENT 'فرع العضو الحالي (لمادة 97)',
+            `target_branch_id` BIGINT UNSIGNED NULL COMMENT 'الفرع المستهدف بالخصم',
+            `min_service_years` INT UNSIGNED NULL COMMENT 'الحد الأدنى لسنوات الخدمة (لمادة 102)',
+            `allows_installment` TINYINT(1) NOT NULL DEFAULT 0,
+            `installment_max_years` INT UNSIGNED NULL COMMENT 'أقصى مدة تقسيط بالسنوات',
+            `installment_interest_rate` DECIMAL(5,2) NOT NULL DEFAULT 0.00 COMMENT 'نسبة الفائدة على التقسيط',
+            `applies_to` ENUM('membership_fee','subscription','all') NOT NULL DEFAULT 'membership_fee',
+            `is_active` TINYINT(1) NOT NULL DEFAULT 1,
+            `effective_from` DATE NULL,
+            `effective_to` DATE NULL,
+            `board_decision_number` VARCHAR(50) NULL,
+            `board_decision_date` DATE NULL,
+            `notes` TEXT NULL,
+            `created_at` TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+            `updated_at` TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+            `created_by` BIGINT UNSIGNED NULL,
+            `updated_by` BIGINT UNSIGNED NULL,
+            INDEX `idx_regulatory_eligibility` (`eligibility_type`, `is_active`),
+            INDEX `idx_regulatory_target_branch` (`target_branch_id`, `is_active`),
+            INDEX `idx_regulatory_article` (`article_number`)
+        ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+    ");
+
+    $db->raw("
+        CREATE TABLE IF NOT EXISTS `regulatory_discount_group_tiers` (
+            `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
+            `regulatory_discount_id` BIGINT UNSIGNED NOT NULL,
+            `min_quantity` INT UNSIGNED NOT NULL,
+            `max_quantity` INT UNSIGNED NULL,
+            `discount_percentage` DECIMAL(5,2) NOT NULL,
+            `is_active` TINYINT(1) NOT NULL DEFAULT 1,
+            `created_at` TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+            INDEX `idx_group_tier_discount` (`regulatory_discount_id`),
+            CONSTRAINT `fk_group_tier_discount` FOREIGN KEY (`regulatory_discount_id`) REFERENCES `regulatory_discounts`(`id`) ON DELETE CASCADE
+        ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+    ");
+
+    $db->raw("
+        CREATE TABLE IF NOT EXISTS `regulatory_discount_applications` (
+            `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
+            `regulatory_discount_id` BIGINT UNSIGNED NOT NULL,
+            `member_id` BIGINT UNSIGNED NULL,
+            `applicant_name` VARCHAR(200) NULL COMMENT 'الاسم (قبل إنشاء العضوية)',
+            `discount_percentage` DECIMAL(5,2) NOT NULL,
+            `original_amount` DECIMAL(15,2) NOT NULL,
+            `discount_amount` DECIMAL(15,2) NOT NULL,
+            `final_amount` DECIMAL(15,2) NOT NULL,
+            `status` ENUM('pending','approved','rejected','applied') NOT NULL DEFAULT 'pending',
+            `approved_by` BIGINT UNSIGNED NULL,
+            `approved_at` TIMESTAMP NULL,
+            `rejection_reason` TEXT NULL,
+            `verification_data` JSON NULL COMMENT 'بيانات التحقق (HR، فرع المصدر، إلخ)',
+            `installment_plan_id` BIGINT UNSIGNED NULL,
+            `notes` TEXT NULL,
+            `created_at` TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+            `updated_at` TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+            `created_by` BIGINT UNSIGNED NULL,
+            INDEX `idx_rda_discount` (`regulatory_discount_id`),
+            INDEX `idx_rda_member` (`member_id`),
+            INDEX `idx_rda_status` (`status`)
+        ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+    ");
+};