<!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 account has been automatically topped up with <strong>${{ amount }}</strong> because your balance dropped below your ${{ threshold }} threshold.</p>

    <p>Your new balance is approximately <strong>${{ new_balance }}</strong>.</p>

    <p>You can <a href="{{ dashboard_link }}">view your transaction history</a> or <a href="{{ profile_link }}">manage your auto top-up settings</a>.</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>
