// Is part ko db.php mein replace karo - ek ek table alag exec mein
if(empty($tables)) {
    $pdo->exec("CREATE TABLE IF NOT EXISTS users (
      id INT AUTO_INCREMENT PRIMARY KEY,
      name VARCHAR(100) NOT NULL,
      email VARCHAR(100) UNIQUE NOT NULL,
      password VARCHAR(255) NOT NULL,
      mobile VARCHAR(15), city VARCHAR(100),
      role ENUM('admin','branch','agent','member') DEFAULT 'member',
      branch_id INT DEFAULT NULL,
      status ENUM('active','inactive','blocked') DEFAULT 'active',
      last_login DATETIME,
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
      updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS branches (
      id INT AUTO_INCREMENT PRIMARY KEY,
      name VARCHAR(100) NOT NULL, address TEXT, city VARCHAR(100),
      mobile VARCHAR(15), manager_id INT DEFAULT NULL,
      status ENUM('active','inactive') DEFAULT 'active',
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS members (
      id INT AUTO_INCREMENT PRIMARY KEY,
      user_id INT, branch_id INT, agent_id INT,
      member_no VARCHAR(20) UNIQUE, name VARCHAR(100) NOT NULL,
      email VARCHAR(100), mobile VARCHAR(15), aadhaar VARCHAR(12), pan VARCHAR(10),
      dob DATE, address TEXT, city VARCHAR(100),
      member_type ENUM('savings','fd','rd','loan') DEFAULT 'savings',
      sponsor_id INT DEFAULT NULL, mlm_level INT DEFAULT 1,
      kyc_status ENUM('pending','verified','rejected') DEFAULT 'pending',
      status ENUM('active','inactive','blocked') DEFAULT 'active',
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS deposits (
      id INT AUTO_INCREMENT PRIMARY KEY,
      member_id INT NOT NULL, branch_id INT,
      deposit_type ENUM('savings','fd','rd') DEFAULT 'savings',
      amount DECIMAL(12,2) NOT NULL, interest_rate DECIMAL(5,2),
      duration_months INT, maturity_date DATE,
      status ENUM('active','matured','closed') DEFAULT 'active',
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS loans (
      id INT AUTO_INCREMENT PRIMARY KEY,
      member_id INT NOT NULL, branch_id INT,
      loan_type ENUM('personal','business','home','gold','vehicle','education') DEFAULT 'personal',
      amount DECIMAL(12,2) NOT NULL, interest_rate DECIMAL(5,2),
      duration_months INT, emi_amount DECIMAL(12,2),
      status ENUM('pending','active','closed','overdue') DEFAULT 'pending',
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS settings (
      id INT AUTO_INCREMENT PRIMARY KEY,
      key_name VARCHAR(100) UNIQUE NOT NULL, value TEXT,
      updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP
    )");

    $pdo->exec("CREATE TABLE IF NOT EXISTS password_resets (
      email VARCHAR(100) PRIMARY KEY, token VARCHAR(64) NOT NULL,
      expires_at DATETIME NOT NULL,
      created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
    )");

    // Admin user
    $pdo->exec("INSERT IGNORE INTO users (name, email, password, role, status) VALUES
    ('Admin User', 'admin@nidhipro.in', '\$2y\$10\$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 'admin', 'active')");

    // Settings
    $pdo->exec("INSERT IGNORE INTO settings (key_name, value) VALUES
    ('commission_level_1','10'),('commission_level_2','5'),('commission_level_3','3'),
    ('commission_level_4','2'),('commission_level_5','1'),('commission_level_6','1'),
    ('commission_level_7','0.5'),('commission_level_8','0.5'),
    ('commission_level_9','0.25'),('commission_level_10','0.25'),
    ('smtp_host','smtp.zeptomail.in'),('smtp_port','587'),
    ('smtp_from','no-reply@shrilife.co'),('smtp_from_name','Nidhi Pro'),
    ('wa_api_url','https://xsender.shronix.in/api/whatsapp/send')");
}