return {
    -- Billing app configuration
    Enable = true, -- Enable or disable the billing app

    -- Maximum distance to create an invoice (in meters)
    -- Set to 0 or false to disable distance check
    MaxBillingDistance = 10.0,
    -- Tax rate for invoice payments via BananaPay (decimal format like Selly)
    -- 0.05 = 5%, 0.10 = 10%, 0.20 = 20%, 0 = no tax
    TaxRate = 0.2,

    -- Default commission rate for new businesses (percentage)
    DefaultCommissionRate = 10, -- 10% default

    -- Default can_invoice setting for new businesses
    DefaultCanInvoice = true, -- true = enabled by default

    DefaultTaxDueDays = 7,    -- Number of days before an invoice is due

    -- Authorized Businesses (Jobs that can create invoices)
    -- These will be automatically added to database on server start
    -- You can also manage them via admin panel
    -- Format: { job_name = "Job Label" }
    AuthorizedBusinesses = {
        -- Example:
        -- Example: ["ambulance"] = "Medical Services",
        ["police"] = "Police Department",
        ["ambulance"] = "LSMD",
        
    },

    -- Authorized Citizens (Individual citizens who can create invoices)
    -- These will be automatically added to database on server start
    -- You can also manage them via admin panel
    -- Format: list of identifiers
    AuthorizedCitizens = {
        -- Example: "license:abc123",
        -- Example: "license:def456",
    },

    -- Default Employee Permissions
    -- These permissions will be given to new employees when they join a job
    DefaultEmployeePermissions = {
        can_access_business = true,  -- Access to business settings
        can_create_invoices = true,  -- Create invoices
        can_cancel_invoices = true, -- Cancel invoices
        can_pay_taxes = true,       -- Pay business taxes
    },

    -- ========================================
    -- HOUSE & VEHICLE TAX SETTINGS
    -- ========================================

    -- Vehicle Tax Settings
    -- If enabled, automatically creates tax invoices for each vehicle owned by online players
    VehicleTax = {
        enabled = false,
        amount = 100,           -- Tax amount per vehicle
        intervalHours = 24,     -- How often to charge (in hours)
        reason = "Vehicle Tax", -- Invoice reason
    },

    -- House Tax Settings
    -- If enabled, automatically creates tax invoices for each house owned by online players
    HouseTax = {
        enabled = false,
        amount = 150,         -- Tax amount per house
        intervalHours = 24,   -- How often to charge (in hours)
        reason = "House Tax", -- Invoice reason
    },

    -- House script configuration
    UseHouseScript = false,
    HouseScript = "qb-houses", -- Select which house script you use

    -- House script database configurations
    -- Add your own house script configuration here if not listed
    HouseScriptConfigs = {
        ["qb-houses"] = {
            table = "player_houses",
            ownerField = "citizenid",
            nameField = "house"
        },
        ["origen-housing"] = {
            table = "origen_housing",
            ownerField = "citizenid",
            nameField = "name"
        },
        ["0r-houses"] = {
            table = "properties",
            ownerField = "owner",
            nameField = "name"
        },
        ["tgiann-houses"] = {
            table = "tgiann_housing",
            ownerField = "owner",
            nameField = "name"
        },
    },

    -- Vehicles to exclude from tax (by model name)
    DisableTaxesVehicles = {
        ['police'] = true,
        ['police2'] = true,
        ['police3'] = true,
        ['police4'] = true,
        ['ambulance'] = true,
        ['firetruk'] = true,
    },
}