CLDC-3664 Extract income and benefits copy (#2709)

* Refactor sales household pages and questions

* Refactor sales income and benefits soft validations

* Update subsection test

* Fix income copy keys

* Update subsection test

* Add missing question to translations

* Fix typo

* Add prevshared for 2024

app/models/form/sales/pages/buyer1_income.rb

@@ -2,6 +2,7 @@ class Form::Sales::Pages::Buyer1Income < ::Form::Page
   def initialize(id, hsh, subsection)
     super
     @id = "buyer_1_income"
+    @copy_key = "sales.income_benefits_and_savings.buyer_1_income"
   end
 
   def questions

app/models/form/sales/pages/buyer1_income_max_value_check.rb

@@ -6,8 +6,9 @@ class Form::Sales::Pages::Buyer1IncomeMaxValueCheck < ::Form::Page
         "income1_over_soft_max?" => true,
       },
     ]
+    @copy_key = "sales.soft_validations.income1_value_check.max"
     @title_text = {
-      "translation" => "soft_validations.income.over_soft_max_for_la_buyer_1",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",

app/models/form/sales/pages/buyer1_income_min_value_check.rb

@@ -6,8 +6,9 @@ class Form::Sales::Pages::Buyer1IncomeMinValueCheck < ::Form::Page
         "income1_under_soft_min?" => true,
       },
     ]
+    @copy_key = "sales.soft_validations.income1_value_check.min"
     @title_text = {
-      "translation" => "soft_validations.income.under_soft_min_for_economic_status.title_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",
@@ -22,7 +23,7 @@ class Form::Sales::Pages::Buyer1IncomeMinValueCheck < ::Form::Page
       ],
     }
     @informative_text = {
-      "translation" => "soft_validations.income.under_soft_min_for_economic_status.hint_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.informative_text",
       "arguments" => [],
     }
   end

app/models/form/sales/pages/buyer2_income.rb

@@ -2,6 +2,7 @@ class Form::Sales::Pages::Buyer2Income < ::Form::Page
   def initialize(id, hsh, subsection)
     super
     @id = "buyer_2_income"
+    @copy_key = "sales.income_benefits_and_savings.buyer_2_income"
     @depends_on = [{
       "joint_purchase?" => true,
     }]

app/models/form/sales/pages/buyer2_income_max_value_check.rb

@@ -6,8 +6,9 @@ class Form::Sales::Pages::Buyer2IncomeMaxValueCheck < ::Form::Page
         "income2_over_soft_max?" => true,
       },
     ]
+    @copy_key = "sales.soft_validations.income2_value_check.max"
     @title_text = {
-      "translation" => "soft_validations.income.over_soft_max_for_la_buyer_2",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",

app/models/form/sales/pages/buyer2_income_min_value_check.rb

@@ -6,8 +6,9 @@ class Form::Sales::Pages::Buyer2IncomeMinValueCheck < ::Form::Page
         "income2_under_soft_min?" => true,
       },
     ]
+    @copy_key = "sales.soft_validations.income2_value_check.min"
     @title_text = {
-      "translation" => "soft_validations.income.under_soft_min_for_economic_status.title_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",
@@ -22,7 +23,7 @@ class Form::Sales::Pages::Buyer2IncomeMinValueCheck < ::Form::Page
       ],
     }
     @informative_text = {
-      "translation" => "soft_validations.income.under_soft_min_for_economic_status.hint_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.informative_text",
       "arguments" => [],
     }
   end

app/models/form/sales/pages/combined_income_max_value_check.rb

@@ -6,8 +6,9 @@ class Form::Sales::Pages::CombinedIncomeMaxValueCheck < ::Form::Page
         "combined_income_over_soft_max?" => true,
       },
     ]
+    @copy_key = "sales.soft_validations.combined_income_value_check"
     @title_text = {
-      "translation" => "soft_validations.income.over_soft_max_for_la_combined",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",

app/models/form/sales/pages/deposit_value_check.rb

@@ -1,12 +1,13 @@
 class Form::Sales::Pages::DepositValueCheck < ::Form::Page
   def initialize(id, hsh, subsection, joint_purchase:)
     super(id, hsh, subsection)
+    @copy_key = "sales.soft_validations.deposit_value_check.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
     @informative_text = {
-      "translation" => "soft_validations.deposit.hint_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.informative_text",
       "arguments" => [],
     }
     @title_text = {
-      "translation" => "soft_validations.deposit.title_text.#{joint_purchase ? 'two' : 'one'}",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",

app/models/form/sales/pages/housing_benefits.rb

@@ -2,6 +2,7 @@ class Form::Sales::Pages::HousingBenefits < ::Form::Page
   def initialize(id, hsh, subsection, joint_purchase:)
     super(id, hsh, subsection)
     @joint_purchase = joint_purchase
+    @copy_key = "sales.income_benefits_and_savings.housing_benefits.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
   end
 
   def questions

app/models/form/sales/pages/mortgage_value_check.rb

@@ -2,10 +2,10 @@ class Form::Sales::Pages::MortgageValueCheck < ::Form::Page
   def initialize(id, hsh, subsection, person_index = nil)
     super(id, hsh, subsection)
     @depends_on = depends_on
-    @informative_text = {}
     @person_index = person_index
+    @copy_key = "sales.soft_validations.mortgage_value_check"
     @title_text = {
-      "translation" => "soft_validations.mortgage.title_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",
@@ -15,7 +15,7 @@ class Form::Sales::Pages::MortgageValueCheck < ::Form::Page
       ],
     }
     @informative_text = {
-      "translation" => "soft_validations.mortgage.hint_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.informative_text",
       "arguments" => [],
     }
   end

app/models/form/sales/pages/previous_ownership.rb

@@ -3,6 +3,7 @@ class Form::Sales::Pages::PreviousOwnership < ::Form::Page
     super(id, hsh, subsection)
     @joint_purchase = joint_purchase
     @depends_on = [{ "joint_purchase?" => @joint_purchase }]
+    @copy_key = "sales.income_benefits_and_savings.prevown.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
   end
 
   def questions

app/models/form/sales/pages/savings.rb

@@ -2,6 +2,7 @@ class Form::Sales::Pages::Savings < ::Form::Page
   def initialize(id, hsh, subsection, joint_purchase:)
     super(id, hsh, subsection)
     @joint_purchase = joint_purchase
+    @copy_key = "sales.income_benefits_and_savings.savings.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
   end
 
   def questions

app/models/form/sales/pages/savings_value_check.rb

@@ -1,8 +1,9 @@
 class Form::Sales::Pages::SavingsValueCheck < ::Form::Page
   def initialize(id, hsh, subsection, joint_purchase:)
     super(id, hsh, subsection)
+    @copy_key = "sales.soft_validations.savings_value_check.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
     @title_text = {
-      "translation" => "soft_validations.savings.title_text.#{joint_purchase ? 'two' : 'one'}",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.title_text",
       "arguments" => [
         {
           "key" => "field_formatted_as_currency",
@@ -12,7 +13,7 @@ class Form::Sales::Pages::SavingsValueCheck < ::Form::Page
       ],
     }
     @informative_text = {
-      "translation" => "soft_validations.savings.hint_text",
+      "translation" => "forms.#{form.start_date.year}.#{@copy_key}.informative_text",
       "arguments" => [],
     }
     @joint_purchase = joint_purchase

app/models/form/sales/questions/buyer1_income.rb

@@ -2,9 +2,7 @@ class Form::Sales::Questions::Buyer1Income < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "income1"
-    @check_answer_label = "Buyer 1’s gross annual income"
+    @copy_key = "sales.income_benefits_and_savings.buyer_1_income.income1"
-    @header = "Buyer 1’s gross annual income"
-    @hint_text = "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
     @type = "numeric"
     @min = 0
     @max = 999_999

app/models/form/sales/questions/buyer1_income_known.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Buyer1IncomeKnown < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "income1nk"
-    @check_answer_label = "Buyer 1’s gross annual income known?"
+    @copy_key = "sales.income_benefits_and_savings.buyer_1_income.income1nk"
-    @header = "Do you know buyer 1’s annual income?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @conditional_for = {

app/models/form/sales/questions/buyer1_income_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Buyer1IncomeValueCheck < ::Form::Question
   def initialize(id, hsh, page, check_answers_card_number:)
     super(id, hsh, page)
     @id = "income1_value_check"
-    @check_answer_label = "Buyer 1 income confirmation"
+    @copy_key = "sales.soft_validations.income1_value_check"
-    @header = "Are you sure this is correct?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

app/models/form/sales/questions/buyer1_mortgage.rb

@@ -2,8 +2,6 @@ class Form::Sales::Questions::Buyer1Mortgage < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "inc1mort"
-    @check_answer_label = "Buyer 1’s income used for mortgage application"
-    @header = "Was buyer 1’s income used for a mortgage application?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @check_answers_card_number = 1

app/models/form/sales/questions/buyer2_income.rb

@@ -2,10 +2,8 @@ class Form::Sales::Questions::Buyer2Income < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "income2"
-    @check_answer_label = "Buyer 2’s gross annual income"
+    @copy_key = "sales.income_benefits_and_savings.buyer_2_income.income2"
-    @header = "Buyer 2’s gross annual income"
     @type = "numeric"
-    @hint_text = "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
     @min = 0
     @max = 999_999
     @step = 1

app/models/form/sales/questions/buyer2_income_known.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Buyer2IncomeKnown < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "income2nk"
-    @check_answer_label = "Buyer 2’s gross annual income known?"
+    @copy_key = "sales.income_benefits_and_savings.buyer_2_income.income2"
-    @header = "Do you know buyer 2’s annual income?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @conditional_for = {

app/models/form/sales/questions/buyer2_income_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Buyer2IncomeValueCheck < ::Form::Question
   def initialize(id, hsh, page, check_answers_card_number:)
     super(id, hsh, page)
     @id = "income2_value_check"
-    @check_answer_label = "Buyer 2 income confirmation"
+    @copy_key = "sales.soft_validations.income2_value_check"
-    @header = "Are you sure this is correct?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

app/models/form/sales/questions/buyer2_mortgage.rb

@@ -2,8 +2,6 @@ class Form::Sales::Questions::Buyer2Mortgage < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "inc2mort"
-    @check_answer_label = "Buyer 2’s income used for mortgage application"
-    @header = "Was buyer 2’s income used for a mortgage application?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @check_answers_card_number = 2

app/models/form/sales/questions/combined_income_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::CombinedIncomeValueCheck < ::Form::Question
   def initialize(id, hsh, page, check_answers_card_number:)
     super(id, hsh, page)
     @id = "combined_income_value_check"
-    @check_answer_label = "Combined income confirmation"
+    @copy_key = "sales.soft_validations.combined_income_value_check"
-    @header = "Are you sure this is correct?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

app/models/form/sales/questions/deposit_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::DepositValueCheck < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "deposit_value_check"
-    @check_answer_label = "Deposit confirmation"
+    @copy_key = "sales.soft_validations.deposit_value_check"
-    @header = "Are you sure that the deposit is this much higher than the buyer's savings?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

app/models/form/sales/questions/housing_benefits.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::HousingBenefits < ::Form::Question
   def initialize(id, hsh, page, joint_purchase:)
     super(id, hsh, page)
     @id = "hb"
-    @check_answer_label = "Housing-related benefits #{joint_purchase ? 'buyers' : 'buyer'} received before buying this property"
+    @copy_key = "sales.income_benefits_and_savings.housing_benefits.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
-    @header = "#{joint_purchase ? 'Were the buyers' : 'Was the buyer'} receiving any of these housing-related benefits immediately before buying this property?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]

app/models/form/sales/questions/mortgage_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::MortgageValueCheck < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "mortgage_value_check"
-    @check_answer_label = "Mortgage confirmation"
+    @copy_key = "sales.soft_validations.mortgage_value_check"
-    @header = "Are you sure that the mortgage is more than 5 times the income used for the mortgage application?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

app/models/form/sales/questions/prevown.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Prevown < ::Form::Question
   def initialize(id, hsh, page, joint_purchase:)
     super(id, hsh, page)
     @id = "prevown"
-    @check_answer_label = I18n.t("check_answer_labels.prevown", count: joint_purchase ? 2 : 1)
+    @copy_key = "sales.income_benefits_and_savings.prevown.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}"
-    @header = I18n.t("questions.prevown", count: joint_purchase ? 2 : 1)
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]

app/models/form/sales/questions/prevshared.rb

@@ -2,11 +2,8 @@ class Form::Sales::Questions::Prevshared < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "prevshared"
-    @check_answer_label = "Previous property shared ownership?"
-    @header = "Was the previous property under shared ownership?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
-    @hint_text = "For any buyer"
     @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]
   end
 

app/models/form/sales/questions/savings.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::Savings < ::Form::Question
   def initialize(id, hsh, page, joint_purchase:)
     super(id, hsh, page)
     @id = "savings"
-    @check_answer_label = "#{joint_purchase ? 'Buyers’' : 'Buyer’s'} total savings before any deposit paid"
+    @copy_key = "sales.income_benefits_and_savings.savings.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}.savings"
-    @header = "Enter their total savings to the nearest £10"
     @type = "numeric"
     @width = 5
     @prefix = "£"

app/models/form/sales/questions/savings_nk.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::SavingsNk < ::Form::Question
   def initialize(id, hsh, page, joint_purchase:)
     super(id, hsh, page)
     @id = "savingsnk"
-    @check_answer_label = "#{joint_purchase ? 'Buyers’' : 'Buyer’s'} total savings known?"
+    @copy_key = "sales.income_benefits_and_savings.savings.#{joint_purchase ? 'joint_purchase' : 'not_joint_purchase'}.savingsnk"
-    @header = "Do you know how much the #{joint_purchase ? 'buyers' : 'buyer'} had in savings before they paid any deposit for the property?"
     @type = "radio"
     @answer_options = ANSWER_OPTIONS
     @conditional_for = {

app/models/form/sales/questions/savings_value_check.rb

@@ -2,8 +2,7 @@ class Form::Sales::Questions::SavingsValueCheck < ::Form::Question
   def initialize(id, hsh, page)
     super
     @id = "savings_value_check"
-    @check_answer_label = "Savings confirmation"
+    @copy_key = "sales.soft_validations.savings_value_check"
-    @header = "Are you sure the savings are higher than £100,000?"
     @type = "interruption_screen"
     @answer_options = {
       "0" => { "value" => "Yes" },

config/locales/en.yml

@@ -703,13 +703,6 @@ en:
         message: "Net income is lower than expected based on the household’s working situation. Are you sure this is correct?"
       in_soft_max_range:
         message: "Net income is higher than expected based on the household’s working situation. Are you sure this is correct?"
-    income:
-      under_soft_min_for_economic_status:
-        title_text: "You told us income was %{income}."
-        hint_text: "This is less than we would expect for someone in this working situation."
-      over_soft_max_for_la_buyer_1: "You told us the income of buyer 1 is %{income}. This seems high.  Are you sure this is correct?"
-      over_soft_max_for_la_buyer_2: "You told us the income of buyer 2 is %{income}. This seems high.  Are you sure this is correct?"
-      over_soft_max_for_la_combined: "You told us the combined income of this household is %{combined_income}. This seems high.  Are you sure this is correct?"
     rent:
       outside_range_title: "You told us the rent is %{brent}."
       informative_text: "This is %{higher_or_lower} than we would expect."
@@ -772,24 +765,11 @@ Make sure these answers are correct."
     percentage_discount_value:
       title_text: "You told us that the percentage discount is %{discount}."
       hint_text: "This is higher than we would expect."
-    savings:
-      title_text:
-        one: "You told us the buyer’s savings were %{savings}."
-        two: "You told us the buyers’ savings were %{savings}."
-      hint_text: "This is higher than we would expect."
-    deposit:
-      title_text:
-        one: "You told us the buyer’s deposit was %{deposit} and their savings were %{savings}."
-        two: "You told us the buyers’ deposit was %{deposit} and their savings were %{savings}."
-      hint_text: "The deposit amount is higher than we would expect for the amount of savings they have."
     grant:
       title_text: "You told us that the grant amount is %{grant}."
       hint_text: "Loans, grants and subsidies are usually between £9,000 and £16,000."
     wheelchair:
       title_text: "You told us that someone in the household uses a wheelchair."
-    mortgage:
-      title_text: "You told us that the mortgage amount is %{mortgage}."
-      hint_text: "This is more than 5 times the income, which is higher than we would expect."
     referral:
       title_text: "Are you sure?"
       hint_text: "This is a general needs log, and this referral type is for supported housing."
@@ -859,9 +839,6 @@ Make sure these answers are correct."
     soctenant:
       one: "Was the buyer a private registered provider, housing association or local authority tenant immediately before this sale?"
       other: "Were any of the buyers private registered providers, housing association or local authority tenants immediately before this sale?"
-    prevown:
-      one: "Has the buyer previously owned a property?"
-      other: "Have any of the buyers previously owned a property?"
     stairowned:
       one: "What percentage of the property does the buyer now own in total?"
       other: "What percentage of the property do the buyers now own in total?"
@@ -884,9 +861,6 @@ Make sure these answers are correct."
     soctenant:
       one: "Buyer was a registered provider, housing association or local authority tenant immediately before this sale?"
       other: "Any buyers were registered providers, housing association or local authority tenants immediately before this sale?"
-    prevown:
-      one: "Buyer previously owned a property."
-      other: "Buyers previously owned a property."
     stairowned:
       one: "Percentage the buyer now owns in total."
       other: "Percentage the buyers now own in total."

config/locales/forms/2023/sales/income_benefits_and_savings.en.yml

@@ -0,0 +1,90 @@
+en:
+  forms:
+    2023:
+      sales:
+        income_benefits_and_savings:
+          buyer_1_income:
+            page_header: ""
+            income1nk:
+              check_answer_label: "Buyer 1’s gross annual income known?"
+              hint_text: ""
+              question_text: "Do you know buyer 1’s annual income?"
+            income1:
+              check_answer_label: "Buyer 1’s gross annual income"
+              hint_text: "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
+              question_text: "Buyer 1’s gross annual income"
+        
+          inc1mort:
+            page_header: ""
+            check_answer_label: "Buyer 1’s income used for mortgage application"
+            hint_text: ""
+            question_text: "Was buyer 1’s income used for a mortgage application?"
+
+          buyer_2_income:
+            page_header: ""
+            income2nk:
+              check_answer_label: "Buyer 2’s gross annual income known?"
+              hint_text: ""
+              question_text: "Do you know buyer 2’s annual income?"
+            income2:
+              check_answer_label: "Buyer 2’s gross annual income"
+              hint_text: "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
+              question_text: "Buyer 2’s gross annual income"
+
+          inc2mort:
+            page_header: ""
+            check_answer_label:  "Buyer 2’s income used for mortgage application"
+            hint_text: ""
+            question_text: "Was buyer 2’s income used for a mortgage application?"
+
+          housing_benefits:
+            joint_purchase:
+              page_header: ""
+              check_answer_label: "Housing-related benefits buyers received before buying this property"
+              hint_text: ""
+              question_text:  "Were the buyers receiving any of these housing-related benefits immediately before buying this property?"
+            not_joint_purchase:
+              page_header: ""
+              check_answer_label: "Housing-related benefits buyer received before buying this property"
+              hint_text: ""
+              question_text:  "Was the buyer receiving any of these housing-related benefits immediately before buying this property?"
+            
+          savings:
+            joint_purchase:
+              page_header: ""
+              savingsnk:
+                check_answer_label:  "Buyers’ total savings known?"
+                hint_text: ""
+                question_text: "Do you know how much the 'buyers' had in savings before they paid any deposit for the property?"
+              savings:
+                check_answer_label: "Buyers’ total savings before any deposit paid"
+                hint_text: "Include any savings, investments, ISAs, premium bonds, shares, or money held in a bank or building society account."
+                question_text: "Enter their total savings to the nearest £10"
+            not_joint_purchase:
+              page_header: ""
+              savingsnk:
+                check_answer_label:  "Buyer’s total savings known?"
+                hint_text: ""
+                question_text: "Do you know how much the buyer had in savings before they paid any deposit for the property?"
+              savings:
+                check_answer_label: "Buyer’s total savings before any deposit paid"
+                hint_text: "Include any savings, investments, ISAs, premium bonds, shares, or money held in a bank or building society account."
+                question_text: "Enter their total savings to the nearest £10"
+
+          prevown:
+            joint_purchase:
+              page_header: ""
+              check_answer_label: "Buyers previously owned a property."
+              hint_text: ""
+              question_text: "Have any of the buyers previously owned a property?"
+            not_joint_purchase:
+              page_header: ""
+              check_answer_label: "Buyer previously owned a property."
+              hint_text: ""
+              question_text: "Has the buyer previously owned a property?"
+
+          prevshared:
+            page_header: ""
+            check_answer_label: "Previous property shared ownership?"
+            hint_text: "For any buyer"
+            question_text: "Was the previous property under shared ownership?"

config/locales/forms/2023/sales/soft_validations.en.yml

@@ -0,0 +1,60 @@
+en:
+  forms:
+    2023:
+      sales:
+        soft_validations:
+          income1_value_check:
+            page_header: ""
+            check_answer_label: "Buyer 1 income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            min:
+              title_text: "You told us income was %{income}."
+              informative_text: "This is less than we would expect for someone in this working situation."
+            max:
+              title_text: "You told us the income of buyer 1 is %{income}. This seems high. Are you sure this is correct?"
+          income2_value_check:
+            page_header: ""
+            check_answer_label: "Buyer 2 income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            min:
+              title_text: "You told us income was %{income}."
+              informative_text: "This is less than we would expect for someone in this working situation."
+            max:
+              title_text: "You told us the income of buyer 2 is %{income}. This seems high. Are you sure this is correct?"
+          combined_income_value_check:
+            page_header: ""
+            check_answer_label: "Combined income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            title_text: "You told us the combined income of this household is %{combined_income}. This seems high.  Are you sure this is correct?"
+          mortgage_value_check:
+            page_header: ""
+            check_answer_label: "Mortgage confirmation"
+            hint_text: ""
+            question_text: "Are you sure that the mortgage is more than 5 times the income used for the mortgage application?"
+            title_text: "You told us that the mortgage amount is %{mortgage}."
+            informative_text: "This is more than 5 times the income, which is higher than we would expect."
+          savings_value_check:
+            page_header: ""
+            check_answer_label: "Savings confirmation"
+            hint_text: ""
+            question_text: "Are you sure the savings are higher than £100,000?"
+            joint_purchase:
+              title_text: You told us the buyers’ savings were %{savings}."
+              informative_text: "This is higher than we would expect."
+            not_joint_purchase:
+              title_text: "You told us the buyer’s savings were %{savings}."
+              informative_text: "This is higher than we would expect."
+          deposit_value_check::
+            page_header: ""
+            check_answer_label: "Deposit confirmation"
+            hint_text: ""
+            question_text: "Are you sure that the deposit is this much higher than the buyer's savings?"
+            joint_purchase:
+              title_text: "You told us the buyers’ deposit was %{deposit} and their savings were %{savings}."
+              informative_text: "The deposit amount is higher than we would expect for the amount of savings they have."
+            not_joint_purchase:
+              title_text: "You told us the buyer’s deposit was %{deposit} and their savings were %{savings}."
+              informative_text: "The deposit amount is higher than we would expect for the amount of savings they have."

config/locales/forms/2024/sales/income_benefits_and_savings.en.yml

@@ -0,0 +1,90 @@
+en:
+  forms:
+    2024:
+      sales:
+        income_benefits_and_savings:
+          buyer_1_income:
+            page_header: ""
+            income1nk:
+              check_answer_label: "Buyer 1’s gross annual income known?"
+              hint_text: ""
+              question_text: "Do you know buyer 1’s annual income?"
+            income1:
+              check_answer_label: "Buyer 1’s gross annual income"
+              hint_text: "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
+              question_text: "Buyer 1’s gross annual income"
+        
+          inc1mort:
+            page_header: ""
+            check_answer_label: "Buyer 1’s income used for mortgage application"
+            hint_text: ""
+            question_text: "Was buyer 1’s income used for a mortgage application?"
+
+          buyer_2_income:
+            page_header: ""
+            income2nk:
+              check_answer_label: "Buyer 2’s gross annual income known?"
+              hint_text: ""
+              question_text: "Do you know buyer 2’s annual income?"
+            income2:
+              check_answer_label: "Buyer 2’s gross annual income"
+              hint_text: "Provide the gross annual income (i.e. salary before tax) plus the annual amount of benefits, Universal Credit or pensions, and income from investments."
+              question_text: "Buyer 2’s gross annual income"
+
+          inc2mort:
+            page_header: ""
+            check_answer_label:  "Buyer 2’s income used for mortgage application"
+            hint_text: ""
+            question_text: "Was buyer 2’s income used for a mortgage application?"
+
+          housing_benefits:
+            joint_purchase:
+              page_header: ""
+              check_answer_label: "Housing-related benefits buyers received before buying this property"
+              hint_text: ""
+              question_text:  "Were the buyers receiving any of these housing-related benefits immediately before buying this property?"
+            not_joint_purchase:
+              page_header: ""
+              check_answer_label: "Housing-related benefits buyer received before buying this property"
+              hint_text: ""
+              question_text:  "Was the buyer receiving any of these housing-related benefits immediately before buying this property?"
+            
+          savings:
+            joint_purchase:
+              page_header: ""
+              savingsnk:
+                check_answer_label:  "Buyers’ total savings known?"
+                hint_text: ""
+                question_text: "Do you know how much the 'buyers' had in savings before they paid any deposit for the property?"
+              savings:
+                check_answer_label: "Buyers’ total savings before any deposit paid"
+                hint_text: "Include any savings, investments, ISAs, premium bonds, shares, or money held in a bank or building society account."
+                question_text: "Enter their total savings to the nearest £10"
+            not_joint_purchase:
+              page_header: ""
+              savingsnk:
+                check_answer_label:  "Buyer’s total savings known?"
+                hint_text: ""
+                question_text: "Do you know how much the buyer had in savings before they paid any deposit for the property?"
+              savings:
+                check_answer_label: "Buyer’s total savings before any deposit paid"
+                hint_text: "Include any savings, investments, ISAs, premium bonds, shares, or money held in a bank or building society account."
+                question_text: "Enter their total savings to the nearest £10"
+
+          prevown:
+            joint_purchase:
+              page_header: ""
+              check_answer_label: "Buyers previously owned a property."
+              hint_text: ""
+              question_text: "Have any of the buyers previously owned a property?"
+            not_joint_purchase:
+              page_header: ""
+              check_answer_label: "Buyer previously owned a property."
+              hint_text: ""
+              question_text: "Has the buyer previously owned a property?"
+
+          prevshared:
+            page_header: ""
+            check_answer_label: "Previous property shared ownership?"
+            hint_text: "For any buyer"
+            question_text: "Was the previous property under shared ownership?"

config/locales/forms/2024/sales/soft_validations.en.yml

@@ -0,0 +1,60 @@
+en:
+  forms:
+    2024:
+      sales:
+        soft_validations:
+          income1_value_check:
+            page_header: ""
+            check_answer_label: "Buyer 1 income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            min:
+              title_text: "You told us income was %{income}."
+              informative_text: "This is less than we would expect for someone in this working situation."
+            max:
+              title_text: "You told us the income of buyer 1 is %{income}. This seems high. Are you sure this is correct?"
+          income2_value_check:
+            page_header: ""
+            check_answer_label: "Buyer 2 income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            min:
+              title_text: "You told us income was %{income}."
+              informative_text: "This is less than we would expect for someone in this working situation."
+            max:
+              title_text: "You told us the income of buyer 2 is %{income}. This seems high. Are you sure this is correct?"
+          combined_income_value_check:
+            page_header: ""
+            check_answer_label: "Combined income confirmation"
+            hint_text: ""
+            question_text: "Are you sure this is correct?"
+            title_text: "You told us the combined income of this household is %{combined_income}. This seems high.  Are you sure this is correct?"
+          mortgage_value_check:
+            page_header: ""
+            check_answer_label: "Mortgage confirmation"
+            hint_text: ""
+            question_text: "Are you sure that the mortgage is more than 5 times the income used for the mortgage application?"
+            title_text: "You told us that the mortgage amount is %{mortgage}."
+            informative_text: "This is more than 5 times the income, which is higher than we would expect."
+          savings_value_check:
+            page_header: ""
+            check_answer_label: "Savings confirmation"
+            hint_text: ""
+            question_text: "Are you sure the savings are higher than £100,000?"
+            joint_purchase:
+              title_text: You told us the buyers’ savings were %{savings}."
+              informative_text: "This is higher than we would expect."
+            not_joint_purchase:
+              title_text: "You told us the buyer’s savings were %{savings}."
+              informative_text: "This is higher than we would expect."
+          deposit_value_check:
+            page_header: ""
+            check_answer_label: "Deposit confirmation"
+            hint_text: ""
+            question_text: "Are you sure that the deposit is this much higher than the buyer's savings?"
+            joint_purchase:
+              title_text: "You told us the buyers’ deposit was %{deposit} and their savings were %{savings}."
+              informative_text: "The deposit amount is higher than we would expect for the amount of savings they have."
+            not_joint_purchase:
+              title_text: "You told us the buyer’s deposit was %{deposit} and their savings were %{savings}."
+              informative_text: "The deposit amount is higher than we would expect for the amount of savings they have."

spec/models/form/sales/pages/buyer1_income_max_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::Buyer1IncomeMaxValueCheck, type: :model do
 
   let(:page_id) { "prefix_buyer_1_income_max_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/buyer1_income_min_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::Buyer1IncomeMinValueCheck, type: :model do
 
   let(:page_id) { "prefix_buyer_1_income_min_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/buyer2_income_max_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::Buyer2IncomeMaxValueCheck, type: :model do
 
   let(:page_id) { "prefix_buyer_2_income_max_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/buyer2_income_min_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::Buyer2IncomeMinValueCheck, type: :model do
 
   let(:page_id) { "prefix_buyer_2_income_min_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/combined_income_max_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::CombinedIncomeMaxValueCheck, type: :model do
 
   let(:page_id) { "prefix_combined_income_max_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/deposit_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::DepositValueCheck, type: :model do
 
   let(:page_id) { "deposit_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/mortgage_value_check_spec.rb

@@ -6,7 +6,8 @@ RSpec.describe Form::Sales::Pages::MortgageValueCheck, type: :model do
   let(:page_id) { "buyer_1_income_mortgage_value_check" }
   let(:page_definition) { nil }
   let(:index) { 1 }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/pages/savings_value_check_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Pages::SavingsValueCheck, type: :model do
 
   let(:page_id) { "savings_value_check" }
   let(:page_definition) { nil }
-  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:subsection) { instance_double(Form::Subsection, form:) }
 
   it "has correct subsection" do
     expect(page.subsection).to eq(subsection)

spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb

@@ -5,7 +5,8 @@ RSpec.describe Form::Sales::Subsections::DiscountedOwnershipScheme, type: :model
 
   let(:subsection_id) { nil }
   let(:subsection_definition) { nil }
-  let(:section) { instance_double(Form::Sales::Sections::SaleInformation) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:section) { instance_double(Form::Sales::Sections::SaleInformation, form:) }
 
   it "has correct section" do
     expect(discounted_ownership_scheme.section).to eq(section)

spec/models/form/sales/subsections/shared_ownership_scheme_spec.rb

@@ -8,7 +8,7 @@ RSpec.describe Form::Sales::Subsections::SharedOwnershipScheme, type: :model do
   let(:section) { instance_double(Form::Sales::Sections::SaleInformation) }
 
   before do
-    allow(section).to receive(:form).and_return(instance_double(Form, start_year_after_2024?: false))
+    allow(section).to receive(:form).and_return(instance_double(Form, start_year_after_2024?: false, start_date: Time.zone.local(2023, 4, 1)))
   end
 
   it "has correct section" do