Blame for tasks/insureon/environment/reference/clone/views/quote.py

"""Quote-application wizard views.

SOURCE NOTE. The public marketing capture could not enter the wizard, but a
headed browser handoff on 2026-08-26 reached `ua.apps.insureon.com` and directly
observed the step names, order, conditional workers' compensation step, and
the opening Company Information controls. The remaining detailed field copy
uses the local deterministic application model. Evidence-backed inputs include:

  * the business-class taxonomy and its ids (first-party endpoint, HTTP 200),
  * the product names, coverage descriptions and average premiums (captured
    `/small-business-insurance/*` and `/small-business-insurance/*/cost`),
  * the carrier names (captured home page),
  * the site chrome, typography and palette (captured stylesheet).

Later step field sets and control shapes remain a bounded reconstruction; they
do not claim a pixel-level visual contract. See `KNOWN_DIFFERENCES.md` and
`scope/claims.jsonl`.
"""

from __future__ import annotations

from typing import Any, Mapping, Sequence

import render as R
from content import professions as P

STEPS: list[tuple[str, str]] = [
    ("company", "Company Information"),
    ("protection", "Protection Options"),
    ("contact", "Contact Information"),
    ("business", "Business Details"),
    ("locations", "Locations"),
    ("sales", "Sales & Operations"),
    ("workers", "Workers’ Compensation"),
    ("practices", "Business Operations & Practices"),
]

ENTITY_TYPES = [
    ("sole-proprietorship", "Sole proprietorship"),
    ("llc", "LLC"),
    ("s-corporation", "S corporation"),
    ("c-corporation", "C corporation"),
    ("partnership", "Partnership"),
    ("nonprofit", "Nonprofit"),
]
ENTITY_TYPE_LABELS = dict(ENTITY_TYPES)

YEARS_OPTIONS = [
    ("0", "Less than 1 year"),
    ("1", "1 year"),
    ("2", "2 years"),
    ("3", "3 years"),
    ("5", "5 years"),
    ("10", "10 or more years"),
]

US_STATES = [
    ("AL", "Alabama"), ("AK", "Alaska"), ("AZ", "Arizona"), ("AR", "Arkansas"),
    ("CA", "California"), ("CO", "Colorado"), ("CT", "Connecticut"),
    ("DE", "Delaware"), ("DC", "District of Columbia"), ("FL", "Florida"),
    ("GA", "Georgia"), ("HI", "Hawaii"), ("ID", "Idaho"), ("IL", "Illinois"),
    ("IN", "Indiana"), ("IA", "Iowa"), ("KS", "Kansas"), ("KY", "Kentucky"),
    ("LA", "Louisiana"), ("ME", "Maine"), ("MD", "Maryland"),
    ("MA", "Massachusetts"), ("MI", "Michigan"), ("MN", "Minnesota"),
    ("MS", "Mississippi"), ("MO", "Missouri"), ("MT", "Montana"),
    ("NE", "Nebraska"), ("NV", "Nevada"), ("NH", "New Hampshire"),
    ("NJ", "New Jersey"), ("NM", "New Mexico"), ("NY", "New York"),
    ("NC", "North Carolina"), ("ND", "North Dakota"), ("OH", "Ohio"),
    ("OK", "Oklahoma"), ("OR", "Oregon"), ("PA", "Pennsylvania"),
    ("RI", "Rhode Island"), ("SC", "South Carolina"), ("SD", "South Dakota"),
    ("TN", "Tennessee"), ("TX", "Texas"), ("UT", "Utah"), ("VT", "Vermont"),
    ("VA", "Virginia"), ("WA", "Washington"), ("WV", "West Virginia"),
    ("WI", "Wisconsin"), ("WY", "Wyoming"),
]


def _shell(inner: str, *, step: str, title: str, app: Mapping[str, Any] | None = None,
           logged_in: bool = False, description: str = "",
           steps: Sequence[tuple[str, str]] | None = None) -> str:
    ref = ""
    if app and app.get("reference"):
        ref = (f'<p style="text-align:center;color:var(--ion-muted);font-size:.82rem">'
               f'Application {R.esc(app["reference"])}</p>')
    visible_steps = list(steps or STEPS)
    body = f"""<section class="section section--tint" style="padding:2.5rem 0">
  <div class="wrap">{R.stepper(visible_steps, step)}{ref}</div>
</section>
<section class="section"><div class="wrap">{inner}</div></section>"""
    return R.page(body, title=title, description=description, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 1: business class
# --------------------------------------------------------------------------- #

def start_quote(query: str = "", product: str = "", error: str = "",
                logged_in: bool = False) -> str:
    """T03 entry: the business-class picker that the source renders as a modal."""
    from content import site as S

    # The source filters the class list as the user types. Offline we render the
    # whole captured taxonomy and filter it client-side, so typing behaves the
    # same way with no request; `query` additionally narrows it server-side so
    # the step still works without JavaScript and stays deep-linkable.
    rows = P.search(query, limit=len(P.all_services()))
    options = "".join(
        f'<li data-class-option data-label="{R.esc(r["name"])} {R.esc(r["industry_name"])}">'
        f'<button class="btn btn--ghost btn--block" type="submit" name="profession_id"'
        f' value="{r["id"]}" style="text-align:left;border-color:var(--ion-border)">'
        f'{R.esc(r["name"])}'
        f'<span style="display:block;font-size:.75rem;color:var(--ion-muted)">'
        f'{R.esc(r["industry_name"])}</span></button></li>'
        for r in rows
    )
    empty = "" if rows else (
        '<p style="padding:1rem;color:var(--ion-muted)">No business type matches '
        f'&ldquo;{R.esc(query)}&rdquo;. Try a broader keyword.</p>')
    inner = f"""<div class="form-card" style="max-width:44rem">
  <h1 style="font-size:1.9rem;text-align:center">{R.esc(S.QUOTE_MODAL["heading"])}</h1>
  <p style="text-align:center;color:var(--ion-muted)">{R.esc(S.QUOTE_MODAL["subheading"])}</p>
  {R.error_summary({"class": error} if error else {})}
  <form method="get" action="/start-quote" class="search-form" style="margin-bottom:1rem">
    <input type="hidden" name="product" value="{R.esc(product)}">
    <label for="class-search" style="position:absolute;left:-9999px">
      {R.esc(S.QUOTE_MODAL["placeholder"])}</label>
    <input id="class-search" type="search" name="q" data-class-search
           placeholder="{R.esc(S.QUOTE_MODAL["placeholder"])}"
           autocomplete="off" value="{R.esc(query)}">
    <button class="btn btn--ghost" type="submit">Search</button>
  </form>
  <form method="post" action="/app/quote/new">
    <input type="hidden" name="product" value="{R.esc(product)}">
    <ul data-class-list style="list-style:none;padding:0;margin:0;max-height:26rem;
        overflow-y:auto;border:1px solid var(--ion-border);border-radius:.5rem">
      {options}
    </ul>
    {empty}
    <p data-class-empty hidden style="padding:1rem;color:var(--ion-muted)">
      No business type matches that search. Try a broader keyword.</p>
  </form>
  <p style="text-align:center;margin-top:1.5rem;color:var(--ion-muted)">
    {R.esc(S.QUOTE_MODAL["call_prompt"])}</p>
</div>"""
    return _shell(inner, step="class",
                  title="Small Business Insurance Quotes | Insureon",
                  description="Get the right coverage from top insurance companies.",
                  logged_in=logged_in)


def source_steps(app: Mapping[str, Any]) -> list[tuple[str, str]]:
    products = list(app.get("requested_products") or [])
    return [row for row in STEPS if row[0] != "workers" or "workers-compensation" in products]


def company_information(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
                        logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">Your Company Information</h1>
  <p style="color:var(--ion-muted)">Tell us about the company you want to insure.</p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/company-information">
    {R.field("business_name", "What's the name of your business?", value=app.get("business_name") or "", error=errors.get("business_name", ""), required=True, attrs='autocomplete="organization"')}
    {R.field("zip_code", "What is the zip code of your primary business location?", value=app.get("zip_code") or "", error=errors.get("zip_code", ""), required=True, attrs='inputmode="numeric" maxlength="5" autocomplete="postal-code"')}
    <fieldset class="field"><legend>When did you start your business?</legend><div class="field-row">
      {R.field("start_month", "Month", kind="select", value="", error=errors.get("start_month", ""), required=True, options=[("", "Select month")] + [(str(i), str(i)) for i in range(1, 13)])}
      {R.field("start_year", "Year", kind="number", value="", error=errors.get("start_year", ""), required=True, attrs='min="1900" max="2026" inputmode="numeric"')}
    </div></fieldset>
    <div class="btn-row" style="justify-content:flex-end"><button class="btn btn--primary" type="submit">Save and Continue</button></div>
  </form>
</div>"""
    return _shell(inner, step="company", title="Company Information | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def protection_options(app: Mapping[str, Any], catalog: Mapping[str, Mapping[str, Any]],
                       selected: Sequence[str], limits: Mapping[str, Any],
                       errors: Mapping[str, str] | None = None,
                       logged_in: bool = False) -> str:
    errors = errors or {}
    boxes = []
    for slug, prod in catalog.items():
        boxes.append(f'<label class="tile"><input type="checkbox" name="products" value="{R.esc(slug)}"{" checked" if slug in selected else ""}> <strong>{R.esc(prod["name"])}</strong><p>{R.esc(prod.get("short_description", ""))}</p></label>')
    inner = f"""<div class="form-card" style="max-width:50rem"><h1 style="font-size:1.7rem">Protection Options</h1><p style="color:var(--ion-muted)">Choose the policies and limits you want Insureon to compare.</p>{R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/protection-options"><div class="tile-grid protection-grid">{''.join(boxes)}</div><div class="field-row">
    {R.field("limit", "Liability limits", kind="select", value=str(limits.get("limit") or ""), options=limits.get("limit_options") or [])}
    {R.field("deductible", "Deductible", kind="select", value=str(limits.get("deductible") or ""), options=limits.get("deductible_options") or [])}</div>
    <div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/company-information">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="protection", title="Protection Options | Insureon", app=app, logged_in=logged_in, steps=source_steps(dict(app, requested_products=list(selected))))


def contact_information(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
                        logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Contact Information</h1><p style="color:var(--ion-muted)">Where should we attach this local quote application?</p>{R.error_summary(errors)}<form method="post" action="/app/quote/{R.esc(app['id'])}/contact-information"><div class="field-row">
    {R.field("contact_first", "First name", value=app.get("contact_first") or "", error=errors.get("contact_first", ""), required=True, attrs='autocomplete="given-name"')}
    {R.field("contact_last", "Last name", value=app.get("contact_last") or "", error=errors.get("contact_last", ""), required=True, attrs='autocomplete="family-name"')}</div>
    {R.field("email", "Email", kind="email", value=app.get("email") or "", error=errors.get("email", ""), required=True, attrs='autocomplete="email"')}
    {R.field("phone", "Phone", kind="tel", value=app.get("phone") or "", error=errors.get("phone", ""), required=True, attrs='autocomplete="tel"')}
    <div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/protection-options">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="contact", title="Contact Information | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def source_business_details(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
                            logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Business Details</h1><p><strong>{R.esc(app.get('profession_name', ''))}</strong> · {R.esc(app.get('industry_name', ''))}</p>{R.error_summary(errors)}<form method="post" action="/app/quote/{R.esc(app['id'])}/business-details">
      {R.field("entity_type", "Business structure", kind="select", value=app.get("entity_type") or "llc", error=errors.get("entity_type", ""), required=True, options=ENTITY_TYPES)}
      <div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/contact-information">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="business", title="Business Details | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def locations(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
              logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Locations</h1><p style="color:var(--ion-muted)">Confirm the primary location for this company.</p>{R.error_summary(errors)}<form method="post" action="/app/quote/{R.esc(app['id'])}/locations">
      {R.field("zip_code", "ZIP code", value=app.get("zip_code") or "", error=errors.get("zip_code", ""), required=True, attrs='inputmode="numeric" maxlength="5"')}
      <div class="field-row">{R.field("state", "State", kind="select", value=app.get("state") or "", error=errors.get("state", ""), required=True, options=[("", "Select a state")] + list(US_STATES))}{R.field("city", "City", value=app.get("city") or "", error=errors.get("city", ""), required=True)}</div>
      <div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/business-details">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="locations", title="Locations | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def sales_operations(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
                     logged_in: bool = False) -> str:
    errors = errors or {}
    revenue = app.get("annual_revenue") or ""
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Sales &amp; Operations</h1><p style="color:var(--ion-muted)">Annual sales help carriers estimate the scale of your operations.</p>{R.error_summary(errors)}<form method="post" action="/app/quote/{R.esc(app['id'])}/sales-operations">{R.field("annual_revenue", "Estimated annual sales (USD)", kind="number", value=str(revenue), error=errors.get("annual_revenue", ""), required=True, attrs='min="0" step="1000" inputmode="numeric"')}<div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/locations">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="sales", title="Sales & Operations | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def workers_compensation(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
                         logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Workers’ Compensation</h1><p style="color:var(--ion-muted)">This step appears because workers’ compensation was selected.</p>{R.error_summary(errors)}<form method="post" action="/app/quote/{R.esc(app['id'])}/workers-compensation">{R.field("employees", "How many employees do you have?", kind="number", value=str(app.get("employees") or ""), error=errors.get("employees", ""), required=True, attrs='min="0" max="500" inputmode="numeric"')}<div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/sales-operations">Back</a><button class="btn btn--primary" type="submit">Save and Continue</button></div></form></div>"""
    return _shell(inner, step="workers", title="Workers’ Compensation | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


def business_practices(app: Mapping[str, Any], logged_in: bool = False) -> str:
    claims = bool(app.get("has_prior_claims")); cert = bool(app.get("needs_certificate"))
    back = "workers-compensation" if "workers-compensation" in list(app.get("requested_products") or []) else "sales-operations"
    inner = f"""<div class="form-card"><h1 style="font-size:1.7rem">Business Operations &amp; Practices</h1><p style="color:var(--ion-muted)">A final set of questions helps match your company with eligible carriers.</p><form method="post" action="/app/quote/{R.esc(app['id'])}/business-operations-practices"><div class="field"><label>Any insurance claims in the last three years?</label><label><input type="radio" name="has_prior_claims" value="0"{"" if claims else " checked"}> No</label> <label><input type="radio" name="has_prior_claims" value="1"{" checked" if claims else ""}> Yes</label></div><label><input type="checkbox" name="needs_certificate" value="1"{" checked" if cert else ""}> I need a certificate of insurance</label><div class="btn-row" style="justify-content:space-between"><a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/{back}">Back</a><button class="btn btn--primary" type="submit">See my quotes</button></div></form></div>"""
    return _shell(inner, step="practices", title="Business Operations & Practices | Insureon", app=app, logged_in=logged_in, steps=source_steps(app))


# --------------------------------------------------------------------------- #
# step 2: location
# --------------------------------------------------------------------------- #

def location(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
             logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">Where is your business located?</h1>
  <p style="color:var(--ion-muted)">Insurance requirements and rates vary by state,
     so we start with your business address.</p>
  <p><strong>{R.esc(app.get("profession_name", ""))}</strong>
     <span style="color:var(--ion-muted)">— {R.esc(app.get("industry_name", ""))}</span>
     <a href="/start-quote" style="margin-left:.5rem;font-size:.85rem">Change</a></p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/location">
    {R.field("zip_code", "ZIP code", value=app.get("zip_code") or "",
             error=errors.get("zip_code", ""), required=True,
             placeholder="60601", hint="5-digit US ZIP code",
             attrs='inputmode="numeric" maxlength="10" autocomplete="postal-code"')}
    {R.field("state", "State", kind="select", value=app.get("state") or "",
             error=errors.get("state", ""), required=True,
             options=[("", "Select a state")] + list(US_STATES))}
    {R.field("city", "City", value=app.get("city") or "",
             error=errors.get("city", ""), placeholder="Chicago")}
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/start-quote">Back</a>
      <button class="btn btn--primary" type="submit">Continue</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="location", title="Business location | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 3: business details
# --------------------------------------------------------------------------- #

def business(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
             logged_in: bool = False) -> str:
    errors = errors or {}
    revenue = app.get("annual_revenue")
    employees = app.get("employees")
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">Tell us about your business</h1>
  <p style="color:var(--ion-muted)">Carriers price your policy from these details.</p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/business">
    {R.field("business_name", "Business name", value=app.get("business_name") or "",
             error=errors.get("business_name", ""), required=True,
             placeholder="Northside Consulting LLC", attrs='autocomplete="organization"')}
    <div class="field-row">
      {R.field("employees", "Number of employees",
               value="" if employees is None else str(employees),
               error=errors.get("employees", ""), required=True,
               kind="number", placeholder="5",
               hint="Include owners and part-time staff",
               attrs='min="0" max="500" inputmode="numeric"')}
      {R.field("annual_revenue", "Annual revenue (USD)",
               value="" if revenue is None else str(revenue),
               error=errors.get("annual_revenue", ""), required=True,
               kind="number", placeholder="200000",
               hint="Gross revenue for the last 12 months",
               attrs='min="0" step="1000" inputmode="numeric"')}
    </div>
    <div class="field-row">
      {R.field("years_in_business", "Years in business", kind="select",
               value=str(app.get("years_in_business") or ""),
               error=errors.get("years_in_business", ""),
               options=[("", "Select")] + list(YEARS_OPTIONS))}
      {R.field("entity_type", "Business structure", kind="select",
               value=app.get("entity_type") or "",
               error=errors.get("entity_type", ""),
               options=[("", "Select")] + list(ENTITY_TYPES))}
    </div>
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/location">Back</a>
      <button class="btn btn--primary" type="submit">Continue</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="business", title="Business details | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 4: risk profile
# --------------------------------------------------------------------------- #

def risk(app: Mapping[str, Any], errors: Mapping[str, str] | None = None,
         logged_in: bool = False) -> str:
    errors = errors or {}
    claims = bool(app.get("has_prior_claims"))
    cert = bool(app.get("needs_certificate"))
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">A few risk questions</h1>
  <p style="color:var(--ion-muted)">These answers affect which carriers can quote
     your business and what they charge.</p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/risk">
    <div class="field">
      <label>Have you had any insurance claims in the last 3 years?</label>
      <label style="font-weight:400"><input type="radio" name="has_prior_claims"
        value="0"{"" if claims else " checked"}> No claims</label><br>
      <label style="font-weight:400"><input type="radio" name="has_prior_claims"
        value="1"{" checked" if claims else ""}> Yes, one or more claims</label>
    </div>
    <div class="field">
      <label>Do you need a certificate of insurance for a client or landlord?</label>
      <label style="font-weight:400"><input type="checkbox" name="needs_certificate"
        value="1"{" checked" if cert else ""}> Yes, I need a certificate of insurance</label>
    </div>
    {R.field("operations", "Briefly describe what your business does",
             kind="textarea", value=app.get("operations") or "",
             error=errors.get("operations", ""),
             placeholder="Management consulting for small manufacturers",
             hint="Optional. Helps carriers classify your operations.")}
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/business">Back</a>
      <button class="btn btn--primary" type="submit">Continue</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="risk", title="Risk profile | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 5: coverage
# --------------------------------------------------------------------------- #

def coverage(app: Mapping[str, Any], catalog: Mapping[str, Mapping[str, Any]],
             selected: Sequence[str], limits: Mapping[str, Any],
             errors: Mapping[str, str] | None = None,
             logged_in: bool = False) -> str:
    errors = errors or {}
    boxes = []
    for slug, prod in catalog.items():
        checked = " checked" if slug in selected else ""
        boxes.append(f"""<label class="tile" style="display:block;cursor:pointer">
          <input type="checkbox" name="products" value="{R.esc(slug)}"{checked}>
          <strong style="margin-left:.4rem">{R.esc(prod["name"])}</strong>
          <p style="margin:.5rem 0 0;font-size:.88rem;color:var(--ion-muted)">
            {R.esc(prod.get("short_description", ""))}</p>
        </label>""")
    limit_opts = limits.get("limit_options") or []
    ded_opts = limits.get("deductible_options") or []
    inner = f"""<div class="form-card" style="max-width:48rem">
  <h1 style="font-size:1.7rem">Choose your coverage</h1>
  <p style="color:var(--ion-muted)">Select the policies you want quoted, then set
     your limits and deductible.</p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/coverage">
    <div class="tile-grid" style="grid-template-columns:1fr 1fr;margin-bottom:1.5rem">
      {''.join(boxes)}
    </div>
    <div class="field-row">
      {R.field("limit", "Liability limits", kind="select",
               value=str(limits.get("limit") or ""),
               error=errors.get("limit", ""), options=limit_opts)}
      {R.field("deductible", "Deductible", kind="select",
               value=str(limits.get("deductible") or ""),
               error=errors.get("deductible", ""), options=ded_opts)}
    </div>
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/risk">Back</a>
      <button class="btn btn--primary" type="submit">Get my quotes</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="coverage", title="Choose your coverage | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 6: compare quotes
# --------------------------------------------------------------------------- #

def _quote_card(app_id: str, q: Mapping[str, Any], chosen: bool) -> str:
    badge = ('<span class="quote-card__badge">RECOMMENDED</span>'
             if q.get("recommended") else "")
    return f"""<div class="quote-card{' quote-card--recommended' if q.get('recommended') else ''}">
  <div>
    {badge}
    <div class="quote-card__carrier">{R.esc(q["carrier_name"])}</div>
    <div class="quote-card__meta">{R.esc(q["product_name"])} ·
      AM Best {R.esc(q.get("rating", ""))}</div>
    <div class="quote-card__meta">
      {R.money(q["per_occurrence_limit_cents"])} per occurrence /
      {R.money(q["aggregate_limit_cents"])} aggregate ·
      {R.money(q["deductible_cents"])} deductible</div>
  </div>
  <div class="quote-card__price">
    <b>{R.money(q["monthly_premium_cents"])}</b>
    <span>per month · {R.money(q["annual_premium_cents"])} annually</span>
  </div>
  <div style="display:flex;flex-direction:column;gap:.5rem">
    <form method="post" action="/app/quote/{R.esc(app_id)}/select">
      <input type="hidden" name="option_id" value="{R.esc(q["id"])}">
      <button class="btn {'btn--ghost' if chosen else 'btn--primary'} btn--sm" type="submit">
        {"Selected" if chosen else "Select"}</button>
    </form>
    <a class="btn btn--ghost btn--sm" href="/app/quote/{R.esc(app_id)}/quotes/{R.esc(q['id'])}">
      View details</a>
  </div>
</div>"""


def quotes(app: Mapping[str, Any], options: Sequence[Mapping[str, Any]],
           selected_ids: Sequence[str], notice: str = "",
           logged_in: bool = False) -> str:
    if not options:
        listing = ('<div class="empty-state">No quotes have been generated for this '
                   'application yet. <a href="/app/quote/'
                   + R.esc(app["id"]) + '/coverage">Choose your coverage</a> to continue.</div>')
    else:
        listing = ('<div class="quote-list">'
                   + "".join(_quote_card(app["id"], q, q["id"] in selected_ids)
                             for q in options)
                   + "</div>")
    save = ""
    if not logged_in:
        save = ('<p style="color:var(--ion-muted);font-size:.9rem">'
                '<a href="/account/register?next=/app/quote/' + R.esc(app["id"])
                + '/quotes">Create an account</a> to save these quotes and come '
                'back to them later.</p>')
    else:
        save = f"""<form method="post" action="/app/quote/{R.esc(app['id'])}/save"
              style="display:inline">
          <button class="btn btn--ghost btn--sm" type="submit">Save this quote</button>
        </form>"""
    inner = f"""<h1 style="font-size:1.8rem">Compare your quotes</h1>
<p style="color:var(--ion-muted)">
  {R.esc(app.get("business_name") or "Your business")} ·
  {R.esc(app.get("profession_name", ""))} ·
  {R.esc(app.get("city") or "")} {R.esc(app.get("state") or "")}
  {R.esc(app.get("zip_code") or "")}</p>
{R.notice(notice)}
{listing}
<div style="margin-top:1.5rem">{save}</div>
<div class="btn-row" style="justify-content:space-between">
  <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/coverage">Edit coverage</a>
  <a class="btn btn--primary" href="/app/quote/{R.esc(app['id'])}/review">Continue to review</a>
</div>"""
    return _shell(inner, step="quotes", title="Compare quotes | Insureon",
                  app=app, logged_in=logged_in)


def quote_detail(app: Mapping[str, Any], q: Mapping[str, Any],
                 product: Mapping[str, Any] | None, chosen: bool,
                 logged_in: bool = False) -> str:
    """T08: plan detail with limits, benefits, exclusions and policy terms."""
    def _bullets(entries: Any) -> str:
        rows = []
        for e in entries or []:
            if isinstance(e, Mapping):
                t, b = e.get("title", ""), e.get("body", "")
            else:
                t, b = str(e), ""
            rows.append(f"<li><strong>{R.esc(t)}</strong>"
                        + (f"<br>{R.esc(b)}" if b else "") + "</li>")
        return "".join(rows)

    covers = _bullets((product or {}).get("covers"))
    excl = _bullets((product or {}).get("not_covered"))
    inner = f"""<a href="/app/quote/{R.esc(app['id'])}/quotes"
   style="font-size:.85rem">&larr; Back to all quotes</a>
<h1 style="font-size:1.8rem;margin-top:1rem">{R.esc(q["carrier_name"])} —
  {R.esc(q["product_name"])}</h1>
<div class="two-col" style="margin-top:1.5rem">
  <div>
    <table class="summary-table">
      <tr><th>Carrier</th><td>{R.esc(q["carrier_name"])}</td></tr>
      <tr><th>AM Best rating</th><td>{R.esc(q.get("rating", ""))}</td></tr>
      <tr><th>Policy</th><td>{R.esc(q["product_name"])}</td></tr>
      <tr><th>Per occurrence limit</th><td>{R.money(q["per_occurrence_limit_cents"])}</td></tr>
      <tr><th>Aggregate limit</th><td>{R.money(q["aggregate_limit_cents"])}</td></tr>
      <tr><th>Deductible</th><td>{R.money(q["deductible_cents"])}</td></tr>
      <tr><th>Monthly premium</th><td>{R.money(q["monthly_premium_cents"])}</td></tr>
      <tr class="total"><th>Annual premium</th><td>{R.money(q["annual_premium_cents"])}</td></tr>
    </table>
    <form method="post" action="/app/quote/{R.esc(app['id'])}/select" style="margin-top:1.5rem">
      <input type="hidden" name="option_id" value="{R.esc(q["id"])}">
      <button class="btn {'btn--ghost' if chosen else 'btn--primary'}" type="submit">
        {"Selected for this application" if chosen else "Select this quote"}</button>
    </form>
  </div>
  <div class="prose">
    {f"<h3>What this policy covers</h3><ul>{covers}</ul>" if covers else ""}
    {f"<h3>What this policy does not cover</h3><ul>{excl}</ul>" if excl else ""}
    <h3>Policy terms</h3>
    <ul>
      <li>12-month policy term, effective the day coverage is bound.</li>
      <li>Premium shown is for the limits and deductible selected on this application.</li>
      <li>Final terms are subject to carrier underwriting review.</li>
    </ul>
  </div>
</div>"""
    return _shell(inner, step="quotes",
                  title=f"{q['carrier_name']} {q['product_name']} quote | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# step 7: review  (T02 / T23 acceptance surface)
# --------------------------------------------------------------------------- #

def review(app: Mapping[str, Any], selected: Sequence[Mapping[str, Any]],
           totals: Mapping[str, int], errors: Mapping[str, str] | None = None,
           logged_in: bool = False) -> str:
    errors = errors or {}
    if not selected:
        inner = f"""<h1 style="font-size:1.8rem">Review your application</h1>
<div class="empty-state">You have not selected a quote yet.
  <a href="/app/quote/{R.esc(app['id'])}/quotes">Compare your quotes</a> and select
  at least one policy to continue.</div>"""
        return _shell(inner, step="review", title="Review your application | Insureon",
                      app=app, logged_in=logged_in)

    rows = "".join(
        f'<tr><th>{R.esc(q["product_name"])} — {R.esc(q["carrier_name"])}</th>'
        f'<td>{R.money(q["annual_premium_cents"])} / year'
        f'<span style="display:block;font-weight:400;color:var(--ion-muted);font-size:.85rem">'
        f'{R.money(q["monthly_premium_cents"])} per month · '
        f'{R.money(q["per_occurrence_limit_cents"])} per occurrence / '
        f'{R.money(q["aggregate_limit_cents"])} aggregate · '
        f'{R.money(q["deductible_cents"])} deductible</span></td></tr>'
        for q in selected
    )
    revenue = app.get("annual_revenue")
    revenue_txt = f"${int(revenue):,}" if revenue not in (None, "") else "—"
    inner = f"""<h1 style="font-size:1.8rem">Review your application</h1>
<p style="color:var(--ion-muted)">Check that everything below is correct before
   you continue to enrollment.</p>
{R.error_summary(errors)}
<div class="two-col" style="align-items:start">
  <div>
    <h3>Your business</h3>
    <table class="summary-table">
      <tr><th>Business name</th><td>{R.esc(app.get("business_name") or "—")}</td></tr>
      <tr><th>Business type</th><td>{R.esc(app.get("profession_name") or "—")}</td></tr>
      <tr><th>Industry</th><td>{R.esc(app.get("industry_name") or "—")}</td></tr>
      <tr><th>Number of employees</th><td>{R.esc(app.get("employees"))}</td></tr>
      <tr><th>Annual revenue</th><td>{revenue_txt}</td></tr>
      <tr><th>Years in business</th><td>{R.esc(app.get("years_in_business") or "—")}</td></tr>
      <tr><th>Business structure</th><td>{R.esc(ENTITY_TYPE_LABELS.get(app.get("entity_type") or "", app.get("entity_type") or "—"))}</td></tr>
      <tr><th>Location</th><td>{R.esc(app.get("city") or "")}
        {R.esc(app.get("state") or "")} {R.esc(app.get("zip_code") or "")}</td></tr>
      <tr><th>Prior claims</th><td>{"Yes" if app.get("has_prior_claims") else "No"}</td></tr>
    </table>
    <p style="margin-top:1rem">
      <a href="/app/quote/{R.esc(app['id'])}/business" style="font-size:.9rem">
        Edit business details</a></p>
  </div>
  <div>
    <h3>Your selected coverage</h3>
    <table class="summary-table">
      {rows}
      <tr class="total"><th>Total annual premium</th>
        <td>{R.money(totals["annual_cents"])}</td></tr>
      <tr class="total"><th>Total monthly premium</th>
        <td>{R.money(totals["monthly_cents"])}</td></tr>
    </table>
    <p style="margin-top:1rem">
      <a href="/app/quote/{R.esc(app['id'])}/quotes" style="font-size:.9rem">
        Change selected quotes</a></p>
  </div>
</div>
<div class="btn-row" style="justify-content:space-between;margin-top:2.5rem">
  <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/quotes">Back</a>
  <a class="btn btn--primary btn--lg" href="/app/quote/{R.esc(app['id'])}/enroll">
    Continue to enrollment</a>
</div>"""
    return _shell(inner, step="review", title="Review your application | Insureon",
                  app=app, logged_in=logged_in)


# --------------------------------------------------------------------------- #
# enrollment / payment / confirmation
# --------------------------------------------------------------------------- #

def enroll(app: Mapping[str, Any], totals: Mapping[str, int],
           errors: Mapping[str, str] | None = None, logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">Enrollment details</h1>
  <p style="color:var(--ion-muted)">We use these details to issue your policy
     documents and certificate of insurance.</p>
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/enroll">
    <div class="field-row">
      {R.field("contact_first", "First name", value=app.get("contact_first") or "",
               error=errors.get("contact_first", ""), required=True,
               attrs='autocomplete="given-name"')}
      {R.field("contact_last", "Last name", value=app.get("contact_last") or "",
               error=errors.get("contact_last", ""), required=True,
               attrs='autocomplete="family-name"')}
    </div>
    {R.field("email", "Email address", kind="email", value=app.get("email") or "",
             error=errors.get("email", ""), required=True,
             placeholder="owner@example.com", attrs='autocomplete="email"')}
    {R.field("phone", "Phone number", kind="tel", value=app.get("phone") or "",
             error=errors.get("phone", ""), required=True,
             placeholder="(312) 555-0142", attrs='autocomplete="tel"')}
    {R.field("effective_date", "Requested coverage start date", kind="date",
             value=app.get("effective_date") or "",
             error=errors.get("effective_date", ""), required=True)}
    <table class="summary-table" style="margin:1.5rem 0">
      <tr class="total"><th>Total annual premium</th>
        <td>{R.money(totals["annual_cents"])}</td></tr>
    </table>
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/review">Back</a>
      <button class="btn btn--primary" type="submit">Continue to payment</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="review", title="Enrollment | Insureon",
                  app=app, logged_in=logged_in)


def payment(app: Mapping[str, Any], totals: Mapping[str, int],
            errors: Mapping[str, str] | None = None, effective_date: str = "",
            logged_in: bool = False) -> str:
    errors = errors or {}
    inner = f"""<div class="form-card">
  <h1 style="font-size:1.7rem">Payment</h1>
  {R.notice("Offline demonstration site. This is a local sandbox payment step: "
            "no card is charged, no payment processor is contacted, and no card "
            "number is stored. Enter any placeholder values.")}
  {R.error_summary(errors)}
  <form method="post" action="/app/quote/{R.esc(app['id'])}/payment">
    <input type="hidden" name="effective_date" value="{R.esc(effective_date)}">
    {R.field("billing_name", "Name on account", value="",
             error=errors.get("billing_name", ""), required=True,
             placeholder="Business owner name")}
    {R.field("method_label", "Payment method", kind="select", value="card-sandbox",
             error=errors.get("method_label", ""),
             options=[("card-sandbox", "Sandbox card"),
                      ("ach-sandbox", "Sandbox bank transfer")])}
    {R.field("billing_zip", "Billing ZIP code", value=app.get("zip_code") or "",
             error=errors.get("billing_zip", ""), required=True,
             attrs='inputmode="numeric" maxlength="10"')}
    <table class="summary-table" style="margin:1.5rem 0">
      <tr><th>Total annual premium</th><td>{R.money(totals["annual_cents"])}</td></tr>
      <tr class="total"><th>Due today</th><td>{R.money(totals["annual_cents"])}</td></tr>
    </table>
    <div class="btn-row" style="justify-content:space-between">
      <a class="btn btn--ghost" href="/app/quote/{R.esc(app['id'])}/enroll">Back</a>
      <button class="btn btn--primary btn--lg" type="submit">Complete purchase</button>
    </div>
  </form>
</div>"""
    return _shell(inner, step="review", title="Payment | Insureon",
                  app=app, logged_in=logged_in)


def confirmation(app: Mapping[str, Any], policies: Sequence[Mapping[str, Any]],
                 totals: Mapping[str, int], documents: Sequence[Mapping[str, Any]],
                 logged_in: bool = False) -> str:
    rows = "".join(
        f'<tr><th>{R.esc(p["product_name"])} — {R.esc(p["carrier_name"])}</th>'
        f'<td>Policy {R.esc(p["number"])}<span style="display:block;font-weight:400;'
        f'color:var(--ion-muted);font-size:.85rem">Effective {R.esc(p["effective_date"])} '
        f'to {R.esc(p["expiration_date"])} · {R.money(p["annual_premium_cents"])} / year'
        f"</span></td></tr>"
        for p in policies
    )
    docs = "".join(
        f'<li><a href="/account/documents/{R.esc(d["id"])}">{R.esc(d["title"])}</a></li>'
        for d in documents
    )
    revenue = app.get("annual_revenue")
    revenue_txt = f"${int(revenue):,}" if revenue not in (None, "") else "—"
    inner = f"""<div style="max-width:44rem;margin:0 auto">
  <h1 style="font-size:1.9rem">You're covered.</h1>
  <p style="color:var(--ion-muted)">Application {R.esc(app.get("reference", ""))} is
     complete. A confirmation was recorded for
     {R.esc(app.get("email") or "your account")}.</p>
  <h3 style="margin-top:2rem">Your business</h3>
  <table class="summary-table">
    <tr><th>Business name</th><td>{R.esc(app.get("business_name") or "—")}</td></tr>
    <tr><th>Business type</th><td>{R.esc(app.get("profession_name") or "—")}</td></tr>
    <tr><th>Number of employees</th><td>{R.esc(app.get("employees"))}</td></tr>
    <tr><th>Annual revenue</th><td>{revenue_txt}</td></tr>
  </table>
  <h3 style="margin-top:2rem">Your policies</h3>
  <table class="summary-table">
    {rows}
    <tr class="total"><th>Total annual premium</th>
      <td>{R.money(totals["annual_cents"])}</td></tr>
  </table>
  {f'<h3 style="margin-top:2rem">Your documents</h3><ul class="prose">{docs}</ul>' if docs else ''}
  <div class="btn-row" style="justify-content:flex-start;margin-top:2rem">
    <a class="btn btn--primary" href="/account/policies">Manage my policies</a>
    <a class="btn btn--ghost" href="/account/documents">View documents</a>
  </div>
</div>"""
    return _shell(inner, step="review", title="Purchase confirmed | Insureon",
                  app=app, logged_in=logged_in)