##Instruction:
Database: financial
Total Tables: 8
Total Columns: 55

Table Schemas:

Database: financial
Total Tables: 8
Total Columns: 55

Table Schemas:

Table: account (4 columns)
--------------------------
• account_id (integer): the id of the account
• district_id (integer): location of branch
• frequency (text): frequency of the acount
• date (date): the creation date of the account
  Values: in the form YYMMDD

Table: card (4 columns)
-----------------------
• card_id (integer): id number of credit card
• disp_id (integer): disposition id
• type (text): type of credit card
  Values: "junior": junior class of credit card; 
"classic": standard class of credit card; 
"gold": high-leve...
• issued (date): the date when the credit card issued
  Values: in the form YYMMDD

Table: client (4 columns)
-------------------------
• client_id (integer): the unique number
• gender (text)
  Values: F：female 
M：male
• birth_date (date): birth date
• district_id (integer): location of branch

Table: disp (4 columns)
-----------------------
• disp_id (integer): unique number of identifying this row of record
• client_id (integer): id number of client
• account_id (integer): id number of account
• type (text): type of disposition
  Values: "OWNER" : "USER" : "DISPONENT"
commonsense evidence:
the account can only have the right to issue pe...

Table: district (16 columns)
----------------------------
• district_id (integer): location of branch
• A2 (text): district_name
• A3 (text): region
• A4 (text)
• A5 (text): municipality < district < region
• A6 (text): municipality < district < region
• A7 (text): municipality < district < region
• A8 (integer): municipality < district < region
• A9 (integer)
  Values: not useful
• A10 (real): ratio of urban inhabitants
• A11 (integer): average salary
• A12 (real): unemployment rate 1995
• A13 (real): unemployment rate 1996
• A14 (integer): no. of entrepreneurs per 1000 inhabitants
• A15 (integer): no. of committed crimes 1995
• A16 (integer): no. of committed crimes 1996

Table: loan (7 columns)
-----------------------
• loan_id (integer): the id number identifying the loan data
• account_id (integer): the id number identifying the account
• date (date): the date when the loan is approved
• amount (integer): approved amount
  Values: unit：US dollar
• duration (integer): loan duration
  Values: unit：month
• payments (real): monthly payments
  Values: unit：month
• status (text): repayment status
  Values: 'A' stands for contract finished, no problems;
'B' stands for contract finished, loan not paid;
'C' ...

Table: order (6 columns)
------------------------
• order_id (integer): identifying the unique order
• account_id (integer): id number of account
• bank_to (text): bank of the recipient
• account_to (integer): account of the recipient
  Values: each bank has unique two-letter code
• amount (real): debited amount
• k_symbol (text): purpose of the payment
  Values: "POJISTNE" stands for insurance payment
"SIPO" stands for household payment
"LEASING" stands for lea...

Table: trans (10 columns)
-------------------------
• trans_id (integer): transaction id
• account_id (integer)
• date (date): date of transaction
• type (text): +/- transaction
  Values: "PRIJEM" stands for credit
"VYDAJ" stands for withdrawal
• operation (text): mode of transaction
  Values: "VYBER KARTOU": credit card withdrawal
"VKLAD": credit in cash
"PREVOD Z UCTU" :collection from anot...
• amount (integer): amount of money
  Values: Unit：USD
• balance (integer): balance after transaction
  Values: Unit：USD
• k_symbol (text)
  Values: "POJISTNE": stands for insurrance payment
"SLUZBY": stands for payment for statement
"UROK": stands ...
• bank (text)
  Values: each bank has unique two-letter code
• account (integer)

##Evidence:
Monthly statement issuance refers to frequency = 'POPLATEK MESICNE'. Net cash flow is calculated as total income minus total expense. Active loans have status 'A' and completed loans have status 'B'.

##Role Access Policy (Column-Level):
Role: DataOperator_2
Accessible Columns: account: account_id; card: card_id, disp_id, type; disp: account_id, client_id, disp_id; district: A10, A11, A12, A14, A15, A16, A2, A3, A4, A5, A6, A7, A8, district_id; loan: account_id, amount, duration, status; order: account_id, account_to, amount, k_symbol, order_id; trans: ALL COLUMNS

Based on the above schema and your role's column-level access policy, generate a SQL query to answer the question. If your role does not have access to the required columns, respond with: "Sorry, I cannot answer."


Question: For accounts with monthly statement issuance, provide a comprehensive financial profile including client demographics, transaction activity, loan details, and rankings by transaction volume and cash flow performance.
Evidence: Monthly statement issuance refers to frequency = 'POPLATEK MESICNE'. Net cash flow is calculated as total income minus total expense. Active loans have status 'A' and completed loans have status 'B'.
Answer: Sorry, I cannot answer.
Permission: denied (Missing column permissions: account: date, frequency; client: birth_date, client_id; loan: loan_id)
Gold SQL: WITH MonthlyAccounts AS (
  SELECT 
    account_id, 
    district_id, 
    date AS account_open_date
  FROM 
    account 
  WHERE 
    frequency = 'POPLATEK MESICNE'
),
AccountTransactions AS (
  SELECT 
    ma.account_id,
    COUNT(t.trans_id) AS transaction_count,
    SUM(CASE WHEN t.type = 'PRIJEM' THEN t.amount ELSE 0 END) AS total_income,
    SUM(CASE WHEN t.type = 'VYDAJ' THEN t.amount ELSE 0 END) AS total_expense,
    MAX(t.balance) AS max_balance,
    MIN(t.balance) AS min_balance
  FROM 
    MonthlyAccounts ma
  LEFT JOIN 
    trans t ON ma.account_id = t.account_id
  GROUP BY 
    ma.account_id
),
AccountLoans AS (
  SELECT 
    ma.account_id,
    COUNT(l.loan_id) AS loan_count,
    SUM(l.amount) AS total_loan_amount,
    AVG(l.duration) AS avg_loan_duration,
    SUM(CASE WHEN l.status = 'A' THEN 1 ELSE 0 END) AS active_loans,
    SUM(CASE WHEN l.status = 'B' THEN 1 ELSE 0 END) AS completed_loans
  FROM 
    MonthlyAccounts ma
  LEFT JOIN 
    loan l ON ma.account_id = l.account_id
  GROUP BY 
    ma.account_id
)
SELECT 
  ma.account_id,
  d.A2 AS district_name,
  d.A3 AS region,
  ma.account_open_date,
  COUNT(DISTINCT c.client_id) AS client_count,
  ROUND(AVG(JULIANDAY('now') - JULIANDAY(c.birth_date))/365.25, 1) AS avg_client_age,
  at.transaction_count,
  at.total_income,
  at.total_expense,
  at.total_income - at.total_expense AS net_cash_flow,
  at.max_balance,
  at.min_balance,
  al.loan_count,
  al.total_loan_amount,
  al.avg_loan_duration,
  al.active_loans,
  al.completed_loans,
  COUNT(DISTINCT o.order_id) AS order_count,
  COUNT(DISTINCT card.card_id) AS card_count,
  RANK() OVER (ORDER BY at.transaction_count DESC) AS transaction_rank,
  RANK() OVER (ORDER BY (at.total_income - at.total_expense) DESC) AS cash_flow_rank
FROM 
  MonthlyAccounts ma
JOIN 
  district d ON ma.district_id = d.district_id
LEFT JOIN 
  disp ON ma.account_id = disp.account_id
LEFT JOIN 
  client c ON disp.client_id = c.client_id
LEFT JOIN 
  AccountTransactions at ON ma.account_id = at.account_id
LEFT JOIN 
  AccountLoans al ON ma.account_id = al.account_id
LEFT JOIN 
  "order" o ON ma.account_id = o.account_id
LEFT JOIN 
  card ON disp.disp_id = card.disp_id
GROUP BY 
  ma.account_id, d.A2, d.A3, ma.account_open_date, at.transaction_count, 
  at.total_income, at.total_expense, at.max_balance, at.min_balance,
  al.loan_count, al.total_loan_amount, al.avg_loan_duration, 
  al.active_loans, al.completed_loans
ORDER BY 
  transaction_rank, cash_flow_rank;