@php
    $notifType = $notifType ?? '';
    $details   = $details   ?? [];
    $amountFmt = 'CA$' . number_format((float) ($details['amount'] ?? 0), 2);
    $meta = [
        'invoice_created'  => ['heading' => 'New Invoice',      'intro' => 'A new invoice has been created for your child\'s classes at ' . config('company.short') . '.', 'cta' => 'View & Pay'],
        'payment_reminder' => ['heading' => 'Payment Reminder', 'intro' => 'This is a friendly reminder that you have an outstanding payment due.', 'cta' => 'Pay Now'],
        'payment_received' => ['heading' => 'Payment Received', 'intro' => 'We\'ve received your payment. Thank you!', 'cta' => null],
    ];
    $m = $meta[$notifType] ?? ['heading' => config('company.short') . ' Notification', 'intro' => '', 'cta' => null];

    $rows = [];
    if (!empty($details['invoiceNumber'])) $rows[] = ['label' => 'Invoice #',   'value' => $details['invoiceNumber']];
    if (!empty($details['studentName']))   $rows[] = ['label' => 'Student',     'value' => $details['studentName']];
    $rows[] = ['label' => 'Amount',      'value' => $amountFmt];
    if (isset($details['remaining']))      $rows[] = ['label' => 'Balance Due', 'value' => 'CA$' . number_format((float) $details['remaining'], 2)];
    if (!empty($details['dueDate']))       $rows[] = ['label' => 'Due Date',    'value' => $details['dueDate']];
    if (!empty($details['transactionId']))$rows[] = ['label' => 'Reference',   'value' => $details['transactionId']];
@endphp
Hi {{ $recipientName }},

@include('emails.plain.generic', [
    'heading'  => $m['heading'],
    'intro'    => $m['intro'],
    'rows'     => $rows,
    'ctaLabel' => $m['cta'],
    'ctaUrl'   => $details['portalUrl'] ?? null,
])