##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:
Young clients are under 30 years old, Middle-aged clients are between 30 and 50 years old, and Senior clients are over 50 years old. Status 'A' indicates good loans and status 'B' indicates bad loans. PRIJEM represents income transactions and VYDAJ represents expense transactions.

##Role Access Policy (Column-Level):
Role: RiskAnalyst
Accessible Columns: account: account_id, district_id, frequency; client: client_id, birth_date, district_id; district: ALL COLUMNS; loan: loan_id, account_id, date, amount, duration, payments, status; trans: account_id, date, type, operation, amount, balance, k_symbol

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: What is the financial profile and banking behavior of male clients in Prague district, broken down by age groups (Young, Middle-aged, and Senior)?
Evidence: Young clients are under 30 years old, Middle-aged clients are between 30 and 50 years old, and Senior clients are over 50 years old. Status 'A' indicates good loans and status 'B' indicates bad loans. PRIJEM represents income transactions and VYDAJ represents expense transactions.
Answer: Sorry, I cannot answer.
Permission: denied (Missing column permissions: trans: trans_id; disp: account_id, client_id, disp_id, type; card: birth_date, card_id, client_id, disp_id, district_id, gender)
Gold SQL: WITH PrahaClients AS (
    SELECT 
        c.client_id,
        c.gender,
        c.birth_date,
        d.A2 AS district_name,
        CASE 
            WHEN strftime('%Y', 'now') - strftime('%Y', c.birth_date) - (strftime('%m-%d', 'now') < strftime('%m-%d', c.birth_date)) < 30 THEN 'Young'
            WHEN strftime('%Y', 'now') - strftime('%Y', c.birth_date) - (strftime('%m-%d', 'now') < strftime('%m-%d', c.birth_date)) BETWEEN 30 AND 50 THEN 'Middle-aged'
            ELSE 'Senior'
        END AS age_category
    FROM client AS c
    INNER JOIN district AS d ON c.district_id = d.district_id
    WHERE c.gender = 'M' AND d.A2 = 'Hl.m. Praha'
),
ClientAccounts AS (
    SELECT 
        pc.client_id,
        pc.gender,
        pc.age_category,
        a.account_id,
        COUNT(DISTINCT l.loan_id) AS loan_count,
        SUM(CASE WHEN l.status = 'A' THEN 1 ELSE 0 END) AS good_loans,
        SUM(CASE WHEN l.status = 'B' THEN 1 ELSE 0 END) AS bad_loans,
        COUNT(DISTINCT c.card_id) AS card_count,
        COUNT(DISTINCT 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
    FROM PrahaClients pc
    INNER JOIN disp AS dp ON pc.client_id = dp.client_id AND dp.type = 'OWNER'
    INNER JOIN account AS a ON dp.account_id = a.account_id
    LEFT JOIN loan AS l ON a.account_id = l.account_id
    LEFT JOIN disp AS dp2 ON a.account_id = dp2.account_id
    LEFT JOIN card AS c ON dp2.disp_id = c.disp_id
    LEFT JOIN trans AS t ON a.account_id = t.account_id
    GROUP BY pc.client_id, pc.gender, pc.age_category, a.account_id
)
SELECT 
    age_category,
    COUNT(DISTINCT client_id) AS client_count,
    AVG(loan_count) AS avg_loans_per_client,
    SUM(good_loans) AS total_good_loans,
    SUM(bad_loans) AS total_bad_loans,
    AVG(card_count) AS avg_cards_per_client,
    AVG(transaction_count) AS avg_transactions_per_client,
    SUM(total_income) AS total_income_all_clients,
    SUM(total_expense) AS total_expense_all_clients,
    SUM(total_income - total_expense) AS net_balance_all_clients
FROM ClientAccounts
GROUP BY age_category
HAVING COUNT(DISTINCT client_id) > 0
ORDER BY 
    CASE 
        WHEN age_category = 'Young' THEN 1
        WHEN age_category = 'Middle-aged' THEN 2
        WHEN age_category = 'Senior' THEN 3
    END;