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    <title>Annual Dues Payment Reminder - MonacoUSA</title>
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                                        <img src="{{logoUrl}}" alt="MonacoUSA" width="80" height="80" style="border-radius: 8px; margin-bottom: 15px;">
                                        <h1 style="color: #ffffff; font-size: 28px; font-weight: bold; margin: 0 0 8px 0;">MonacoUSA</h1>
                                        <p style="color: #ffffff; font-size: 16px; margin: 0; opacity: 0.9;">Annual Dues Payment Reminder</p>
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                    <!-- Main Content -->
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                                <!-- Alert Banner -->
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                                                <td style="background-color: #fff3cd; border-left: 4px solid #ffc107; padding: 20px; border-radius: 4px;">
                                                    <h3 style="color: #856404; font-size: 18px; font-weight: bold; margin: 0 0 10px 0;">⏰ Payment Due Soon!</h3>
                                                    <p style="color: #333333; font-size: 16px; line-height: 1.6; margin: 0;">
                                                        Your annual membership dues will be due in <strong>{{daysUntilDue}} days</strong>.
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                                <!-- Greeting -->
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                                        <h2 style="color: #a31515; font-size: 20px; font-weight: bold; margin: 0;">Dear {{memberName}},</h2>
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                                <!-- Message -->
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                                    <td style="padding-bottom: 30px;">
                                        <p style="color: #333333; font-size: 16px; line-height: 1.6; margin: 0;">
                                            This is a friendly reminder that your annual MonacoUSA membership dues will be due soon. 
                                            To ensure uninterrupted access to MonacoUSA benefits and avoid any service disruption, 
                                            please submit your payment before the due date.
                                        </p>
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                                <!-- Member Information Box -->
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                                                                <span style="background-color: #17a2b8; color: #ffffff; padding: 8px 16px; border-radius: 20px; font-weight: bold; font-size: 14px;">📋 Member Information</span>
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                                                                        <td width="50%" style="vertical-align: top; padding-right: 10px; padding-bottom: 10px;">
                                                                            <p style="margin: 0 0 5px 0; color: #333333; font-weight: bold;">Name:</p>
                                                                            <p style="margin: 0; color: #a31515; font-weight: bold; font-size: 16px;">{{memberName}}</p>
                                                                        </td>
                                                                        <td width="50%" style="vertical-align: top; padding-left: 10px; padding-bottom: 10px;">
                                                                            <p style="margin: 0 0 5px 0; color: #333333; font-weight: bold;">Member ID:</p>
                                                                            <p style="margin: 0; color: #a31515; font-weight: bold; font-size: 16px;">{{memberId}}</p>
                                                                        </td>
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                                                                        <td width="50%" style="vertical-align: top; padding-right: 10px; padding-bottom: 10px;">
                                                                            <p style="margin: 0 0 5px 0; color: #333333; font-weight: bold;">Email:</p>
                                                                            <p style="margin: 0; color: #333333; font-size: 14px;">{{memberEmail}}</p>
                                                                        </td>
                                                                        <td width="50%" style="vertical-align: top; padding-left: 10px; padding-bottom: 10px;">
                                                                            <p style="margin: 0 0 5px 0; color: #333333; font-weight: bold;">Member Since:</p>
                                                                            <p style="margin: 0; color: #333333; font-size: 14px;">{{memberSince}}</p>
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                                <!-- Amount Due Section -->
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                                    <td style="padding-bottom: 30px;">
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                                                    <h3 style="color: #1976d2; font-size: 24px; font-weight: bold; margin: 0 0 10px 0;">Annual Dues: {{amount}}</h3>
                                                    <p style="color: #333333; font-size: 16px; margin: 0;">
                                                        <strong>Due Date:</strong> {{dueDate}}
                                                    </p>
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                                <!-- Payment Information -->
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                                    <td style="padding-bottom: 30px;">
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                                                <td style="background-color: #d1ecf1; border-left: 4px solid #17a2b8; padding: 20px; border-radius: 4px;">
                                                    <h3 style="color: #0c5460; font-size: 18px; font-weight: bold; margin: 0 0 15px 0;">💳 Payment Information</h3>
                                                    <p style="color: #333333; font-size: 16px; line-height: 1.6; margin: 0 0 15px 0;">
                                                        Membership fee is {{amount}}/yr per person, paid using the IBAN below:
                                                    </p>
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                                                            <td style="padding: 5px 0;">
                                                                <p style="margin: 0; color: #333333; font-weight: bold;">IBAN Euro:</p>
                                                                <p style="margin: 0; color: #333333; font-family: 'Courier New', monospace; font-size: 16px; background-color: #ffffff; padding: 8px; border-radius: 4px; border: 1px solid #dee2e6;">{{paymentIban}}</p>
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                                                            <td style="padding: 5px 0;">
                                                                <p style="margin: 0; color: #333333; font-weight: bold;">Account Holder:</p>
                                                                <p style="margin: 0; color: #333333; font-size: 16px;">{{accountHolder}}</p>
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                                                            <td style="padding: 5px 0;">
                                                                <p style="margin: 0; color: #333333; font-weight: bold;">Payment Reference:</p>
                                                                <p style="margin: 0; color: #a31515; font-family: 'Courier New', monospace; font-size: 16px; font-weight: bold; background-color: #ffffff; padding: 8px; border-radius: 4px; border: 1px solid #dee2e6;">{{memberId}} - Annual Dues</p>
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                                                    <p style="color: #666666; font-size: 14px; font-style: italic; margin: 15px 0 0 0;">
                                                        <strong>Important:</strong> Please include your member ID ({{memberId}}) in the payment reference to ensure proper credit to your account.
                                                    </p>
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                                <!-- Help Message -->
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                                    <td style="padding-bottom: 20px;">
                                        <p style="color: #333333; font-size: 16px; line-height: 1.6; margin: 0;">
                                            If you have already made your payment, please disregard this reminder. 
                                            If you have any questions about your membership or payment, please contact us at 
                                            <a href="mailto:info@monacousa.org" style="color: #a31515; text-decoration: none; font-weight: bold;">info@monacousa.org</a>.
                                        </p>
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                                <!-- Closing -->
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                                    <td style="padding-bottom: 20px;">
                                        <p style="color: #333333; font-size: 16px; line-height: 1.6; margin: 0;">
                                            Thank you for your continued membership with MonacoUSA!
                                        </p>
                                        <p style="color: #333333; font-size: 16px; margin: 15px 0 0 0;">
                                            Best regards,<br>
                                            <strong>The MonacoUSA Team</strong>
                                        </p>
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                            </table>
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                    <!-- Footer -->
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                        <td style="background-color: #f8f9fa; padding: 30px; text-align: center; border-top: 1px solid #e9ecef;">
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                                    <td>
                                        <h4 style="color: #333333; font-size: 18px; font-weight: bold; margin: 0 0 8px 0;">MonacoUSA Association</h4>
                                        <p style="color: #666666; font-size: 14px; margin: 0 0 15px 0;">Connecting Monaco and the United States</p>
                                        
                                        <!-- Links -->
                                        <table cellpadding="0" cellspacing="0" border="0" style="margin: 0 auto;">
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                                                <td style="padding: 0 10px;">
                                                    <a href="{{portalUrl}}" style="color: #a31515; text-decoration: none; font-size: 14px;">Portal</a>
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                                                <td style="padding: 0 10px; color: #cccccc;">|</td>
                                                <td style="padding: 0 10px;">
                                                    <a href="mailto:info@monacousa.org" style="color: #a31515; text-decoration: none; font-size: 14px;">Contact Us</a>
                                                </td>
                                                <td style="padding: 0 10px; color: #cccccc;">|</td>
                                                <td style="padding: 0 10px;">
                                                    <a href="https://monacousa.org" style="color: #a31515; text-decoration: none; font-size: 14px;">Website</a>
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                                        <!-- Email Info -->
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                                                <td style="padding-top: 15px; border-top: 1px solid #dddddd;">
                                                    <p style="color: #999999; font-size: 12px; margin: 0;">
                                                        This is an automated message from MonacoUSA. Please do not reply to this email.<br>
                                                        © {{currentYear}} MonacoUSA. All rights reserved.<br>
                                                        If you no longer wish to receive these reminders, please contact us at info@monacousa.org
                                                    </p>
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