<!DOCTYPE html>
<html>
<head><meta charset="utf-8"></head>
<body style="font-family: system-ui, sans-serif; max-width: 600px; margin: 40px auto; padding: 20px; color: #333;">
    <p>Hi {{ to_name }},</p>

    <p>Your monthly auto top-up limit of <strong>${{ monthly_limit }}</strong> has been reached for this month.</p>

    <p>Auto top-ups are paused until the start of next month. Your current balance is <strong>${{ balance }}</strong>.</p>

    <p>You can <a href="{{ dashboard_link }}">add funds manually</a> or <a href="{{ profile_link }}">increase your monthly limit</a> if you'd like to continue using auto top-up this month.</p>

    <p style="font-size: 12px; color: #888; margin-top: 30px; border-top: 1px solid #eee; padding-top: 15px;">
        You're receiving this because you have auto top-up enabled on your account.
        <a href="{{ profile_link }}">Manage notification preferences</a>
    </p>
</body>
</html>
