Changelog

What shipped — in plain language

Parity grows in product waves. Each one makes coverage easier to understand, switching safer, and demand fairer for serious agents. This is a demo product — no real insurance sales.

Full history

Consumer-friendly narrative for every wave — same stories as the founder release index.

1. Wave 230

   v8.00 commercial milestone freeze

   First 8.x freeze — moat live counters, agent earnings forecast, carrier SLA badges, double-sided referral rewards

   • RELEASE_NOTES_v8.00.md; release:check === 230; package 8.0.0.
   • Dual tarball latest + parity-marketplace-v8.00.tar.gz (v0.50–v7.50 kept).
   • Health lib paths untouched.

   Moat story →Agent earnings →Carrier portal →Referral rewards →Release index →
2. Wave 229

   Waitlist referral double-sided

   Growth waitlist referrer + referee SAMPLE reward stub

   • waitlistReferralRewards lib with SAMPLE copy for both sides.
   • Panel on /growth#referral-rewards — no cash value; educational only.

   Referral rewards →Growth waitlist →Referral leaderboard →
3. Wave 228

   Carrier quote SLA badges

   Badge strip on carrier portal from quote SLO status

   • carrierSloBadges builds SAMPLE chips for carrier_fill SLOs.
   • Surfaced on /carriers with links to /carriers/sla and /internal/slo.

   Carrier portal →SLA scorecard →Quote SLOs →
4. Wave 227

   Agent earnings forecast

   /agents/earnings forward SAMPLE forecast from pipeline stage mix

   • agentEarningsForecast projects expected binds × stub commission per bind.
   • Four-week SAMPLE table with stage chips; links deal pipeline.

   Earnings →Deal pipeline →
5. Wave 226

   Network effects public story deepen

   Expand /moat with live SAMPLE counters from moatLoops when present

   • moatStoryCounters reads coverage edges, intent quality, and network graph.
   • Six SAMPLE chips (edges, nodes, intents, referrals, trust, density) + founder pulse link.

   Moat story →Founder moat pulse →
6. Wave 218

   Savings guarantee explainer

   Marketing /guarantee — same-or-better for less without increasing exposure, plain language + CTAs

   • Three pillars: same-or-better coverage, lower premium, no extra exposure.
   • savingsGuarantee lib + markdown export stub; CTAs to demo, compare, brief, learn, trust.
   • Package 7.1.0 tip; release:check === 218; latest tarball only (v7.00 freeze kept).

   Savings guarantee →Founder demo →Compare →Parity promise →
7. Wave 217

   Quote timeline viz

   Simple quote-event timeline on agent inbox deal detail stub

   • Intent opened → request → contact → quote sent → consumer viewed (demo) with declined/expired terminals.
   • quoteTimeline lib; expands with ranking explanation as deal detail on /agents/inbox.

   Agent inbox →Agent quotes →Deal pipeline →
8. Wave 216

   Scenario packs UI

   Household scenario packs picker on /demo and household switcher — young family, empty nest, landlord

   • Three new scenarioPacks (young_family, empty_nest, landlord) plus householdScenarioPacks featured picker.
   • Surfaced on /demo and /app/household; full catalog still on /internal/scenarios.

   Founder demo →Household switcher →All scenario packs →
9. Wave 203

   Sitemap HTML polish

   Public HTML sitemap lists major marketing + app entry routes; noindex internals stay in the labeled internal group only

   • Major public paths asserted (/faq, /demo, /agents/join, /marketplace/search, …).
   • htmlSitemapPublicGroups / missingHtmlSitemapPublicPaths helpers; package 6.1.0 tip.

   HTML sitemap →FAQ →XML sitemap →
10. Wave 202

    FAQ expand

    Public /faq commercial FAQ with 8–10 Q&As linking product routes; pricing FAQ deepened

    • Answers cover parity, pricing, compare, agents, carriers, partners, growth, health, demo honesty, trust.
    • JSON-LD FAQPage + deep-link chips into /app/compare, /agents/join, /carriers/join, and more.

    Commercial FAQ →Pricing →Investors FAQ →
11. Wave 201

    Customer success playbook

    /internal/cs playbook for first 10 households / 5 agents with localStorage checklists

    • Tracks: prep · households H1–H10 · agents A1–A5 · retention loops.
    • Markdown export; links support, outreach, first-week, and command.

    CS playbook →Support →First-week →
12. Wave 200

    v6.00 milestone freeze

    RELEASE_NOTES_v6.00.md; release:check === 200; dual tarball latest + parity-marketplace-v6.00.tar.gz; package 6.0.0

    • Demand forecast + economics take-rate + compliance calendar + brand kit deepen packaged as v6.00 commercial / first 6.x freeze.
    • Older freezes v0.50–v5.50 kept intact; health lane untouched.

    Demand forecast →Economics →Brand kit →Release index →
13. Wave 199

    Brand kit deepen

    Deepen /brand logos, colors, voice guidelines; asset checklist + press/sales links; markdown export stub

    • Press kit and sales one-pager linked from brand kit CTAs.
    • Logo/PWA/OG asset checklist with downloadable brand markdown.

    Brand kit →Press →Sales →
14. Wave 198

    Compliance calendar

    /internal/compliance renewal dates for licenses, E&O, SOC roadmap; ICS export stub

    • Seeded SAMPLE renewals for producer license, E&O, privacy review, SOC phases.
    • Downloadable .ics stub for founder ops calendars.

    Compliance calendar →Trust center →Agent cert →
15. Wave 197

    Margin / take-rate stub

    /internal/economics SAMPLE take-rate scenarios for marketplace GMV; links revenue funnel

    • Conservative / base / aggressive take-rate scenarios with SAMPLE labels.
    • Lane mix: agent seats, partner API, consumer free — linked to /internal/revenue.

    Economics →Revenue →
16. Wave 196

    Demand forecast stub

    /internal/forecast simple forward look at intents/waitlist growth from local history; SAMPLE labeled

    • Weekly history buckets from demo intents + growth waitlist createdAt.
    • Forward look projections always labeled SAMPLE.

    Demand forecast →Demand heat →
17. Wave 195

    v5.50 milestone freeze

    RELEASE_NOTES_v5.50.md; release:check === 195; dual tarball latest + parity-marketplace-v5.50.tar.gz; package 5.5.0

    • Marketplace search + saved searches + carrier invite packaged as v5.50 commercial freeze.
    • Older freezes v0.50–v5.00 kept intact; health lane untouched.

    Marketplace search →Carrier join →Release index →
18. Wave 194

    Carrier invite flow

    /carriers/join public invite stub mirroring /agents/join; waitlist source=carriers

    • carrierJoin lib — applications in localStorage + waitlist source carriers.
    • Invite link + appetite lines + ZIP footprint on the public join page.

    Join as carrier →Join as agent →Carrier portal →
19. Wave 193

    Saved marketplace searches

    Persist saved marketplace searches in localStorage; alert stub when new matches appear

    • marketplaceSavedSearches lib — save line+ZIP filters; on-page new-match alerts.
    • Surfaced on /marketplace/search alongside live filter results.

    Marketplace search →
20. Wave 192

    Marketplace search

    Consumer /marketplace/search filters RFPs + intents by coverage line + ZIP; links matches

    • marketplaceSearch lib — open RFPs and demo/live intents by line + ZIP.
    • Match cards link to RFP board, carrier matches, and demand.

    Marketplace search →RFP board →
21. Wave 191

    Coverage gap digest email preview

    Consumer digest section for cross-sell gaps; would-send via email stub if configured; package 5.2.0

    • coverageGapDigest lib — umbrella/flood/life/pet gap section on /app/digest.
    • emailProviderStub coverage_gap_would_send preview when ESP stub configured.

    Household digest →Email stub →Advisor →
22. Wave 190

    Agent certification stub

    /agents/cert checklist (license, E&O, product training) gates verified chip on trust leaderboard

    • agentCert lib — three-item localStorage checklist + verified gate.
    • Verified chip on /agents/leaderboard for your profile when complete.

    Certification →Trust leaderboard →
23. Wave 189

    Referral leaderboard

    /growth/leaderboard (+ panel on /growth) ranks top invite codes by attribution count; privacy-safe

    • referralLeaderboard lib — ranks by redemptions/waitlist/UTM; masks emails & names.
    • Panel on /growth + full board route; health lane untouched.

    Referral leaderboard →Growth hub →
24. Wave 188

    Demo reset panel

    /internal/reset danger panel clears selected parity_* namespaces (or all) with confirm; links privacy/settings; package 5.1.0

    • demoReset lib — consumer/growth/agents/carriers/founder/prefs/all namespaces; type RESET to confirm.
    • Command palette + sitemap + smoke route; health lane untouched; latest tarball only.

    Demo reset →Consumer privacy →Settings →
25. Wave 187

    Print styles

    Print CSS + print-one-pager for /sales, /investors, /internal/brief, /compare-parity so one-pagers print clean

    • printStyles lib — route list + class hooks; globals.css @media print tighten.
    • PrintButton toolbars on investors, founder brief, and battlecard.

    Sales one-pager →Investors →Battlecard →
26. Wave 186

    Search command deepen

    ⌘K command palette indexes learn hub + remaining learn articles, missing internal founder routes, investors fundraising keywords, /internal/reset

    • Smoke filter helpers for learn / internal / investors queries.
    • Post-v5 QoL — no sprawl; health lane untouched.

    Docs search →Learn hub →Route inventory →
27. Wave 185

    v5.00 milestone freeze

    RELEASE_NOTES_v5.00.md, release:check === 185, dual tarball latest + parity-marketplace-v5.00.tar.gz

    • Package 5.0.0; DEMO_MILESTONE_WAVE_500 = 185; PRODUCT_STATUS / WAVE_INDEX / README / LAUNCH / GROWTH / INSTALL updated.
    • Older freezes (v0.50–v1.00 + v1.70 + v2.00 + v2.50 + v3.00 + v3.50 + v4.00 + v4.50) kept intact.

    Release index →Founder weekly brief →Changelog →
28. Wave 184

    Founder weekly brief

    /internal/brief auto-assembled weekly founder brief from moat/liquidity/funnel/KPIs/readiness (SAMPLE where needed); markdown export

    • founderWeeklyBrief lib — five sections, SAMPLE fallbacks when counters cold, markdown copy/download.
    • Command palette + sitemap + footer link; health lane untouched.

    Weekly brief →Command center →KPI scoreboard →
29. Wave 183

    Architecture map

    /internal/architecture mermaid + structured map of consumer/agent/carrier/partner/founder surfaces + moat loops; markdown export

    • architectureMap lib — surfaces, moat loops, mermaid flowchart, markdown download.
    • Package 4.6.0; release:check === 183; latest tarball only — freezes untouched.

    Architecture map →Moat pulse →Moat story →
30. Wave 182

    Dependency audit notes

    /internal/deps summarizes package.json key deps + known stub boundaries; links SECURITY

    • depsAudit lib — runtime/dev notes + stub boundaries (Stripe, email/CRM/Slack, health lane, OpenAPI).
    • Markdown export for founder handoff.

    Deps audit →Security checklist →Public security →
31. Wave 181

    Healthcheck endpoint stub

    GET /api/health returns JSON ok + version + wave count (no secrets); Vercel probe docs

    • opsHealthcheck lib — safe payload shape, Vercel markdown snippet in SECURITY.md / LAUNCH.
    • Not the consumer health-insurance lane — health lib paths untouched.

    Healthcheck JSON →Status page →Deps audit →
32. Wave 180

    v4.50 milestone freeze

    RELEASE_NOTES_v4.50.md, release:check === 180, dual tarball latest + parity-marketplace-v4.50.tar.gz

    • Package 4.5.0; older freezes (v0.50–v4.00) kept intact.
    • DEMO_MILESTONE_WAVE_450 = 180; PRODUCT_STATUS / WAVE_INDEX / README / LAUNCH / GROWTH / INSTALL updated.

    Release index →Stripe billing →Flags / A/B →
33. Wave 179

    Experiment A/B stub

    Sticky homepage hero CTA A/B (demo vs waitlist) persisted; log assign + clicks to analytics dictionary

    • Deepen experiments — experiment_assign + experiment_hero_cta_click in analyticsEvents.
    • Landing hero CTA emits when growthExperiments flag is on.

    Flags / experiments →Events dictionary →Homepage hero →
34. Wave 178

    Feature flags

    /internal/flags growth-experiment toggles (growthExperiments, homepageNewCta, savingsProofWidget) + homepage/growth read helpers

    • Deepen featureFlags — getHomepageGrowthFlags / getGrowthPageFlags.
    • Homepage new CTA strip + savings proof gated by flags.

    Feature flags →Homepage →Growth →
35. Wave 177

    Billing Stripe stub

    /internal/integrations/billing Stripe-style checkout session stub for agent Pro seat; plan state ties to billingStub; SAMPLE only

    • stripeCheckoutStub lib — create/complete/cancel SAMPLE sessions; complete → billingStub Pro.
    • Links pricing + revenue founder surfaces.

    Stripe billing →Pricing →Revenue →
36. Wave 176

    Slack notify stub

    /internal/integrations/slack webhook URL stub; emit SAMPLE waitlist signup / SLA breach events to local log

    • slackNotifyStub lib — masked webhook, waitlist_signup + sla_breach catalog, logged_noop event log.
    • Package 4.2.0; release:check === 176; latest tarball only — freezes untouched.

    Slack notify →Email provider →CRM sync →
37. Wave 175

    CRM sync stub

    /internal/integrations/crm HubSpot/Salesforce field-map stub; push agent pipeline row → sync log

    • crmSyncStub lib — field map + overrides; SAMPLE pipeline push; logged_noop sync log.
    • Links agent pipeline surface.

    CRM sync →Agent pipeline →
38. Wave 174

    Email provider stub

    /internal/integrations/email Resend/SendGrid-style config (API key masked localStorage); test-send log; retention digest would-send preview

    • emailProviderStub lib — masked API key, test-send + retention would-send previews, never leaves browser.
    • Wires /app/digest retention path.

    Email provider →Retention digest →
39. Wave 173

    KPI scoreboard

    /internal/kpis target vs actual stubs (waitlist · agents · fill rate · NPS) with SAMPLE labels; light command feed

    • kpiScoreboard lib — editable SAMPLE targets/actuals, attainment %, markdown export.
    • Command center KPI tile; package 4.1.0; release:check === 173.

    KPI scoreboard →Command center →First-week calendar →
40. Wave 172

    Outreach templates

    /internal/outreach email/SMS/LinkedIn templates for waitlist, agents, and partners — clipboard + markdown

    • outreachTemplates lib — nine macros with {{placeholders}}; catalog export.
    • Linked from first-week D1–D3 gates.

    Outreach templates →First-week calendar →
41. Wave 171

    First-week growth calendar

    /internal/first-week day-by-day playbook (D1 waitlist · D2 agents · D3 partners · … · D7 KPIs) with localStorage checkmarks

    • firstWeekGrowth lib — assumes live demo URL; links readiness + command.
    • Post-v4 growth playbooks still localStorage demo.

    First-week calendar →Go-live readiness →Command center →
42. Wave 170

    v4.00 milestone freeze

    First 4.x commercial freeze — RELEASE_NOTES_v4.00.md, release:check === 170, dual tarball

    • Package 4.0.0; parity-marketplace-v4.00.tar.gz + latest refresh; older freezes kept.
    • DEMO_MILESTONE_WAVE_400 = 170; PRODUCT_STATUS / WAVE_INDEX / README / LAUNCH / GROWTH / INSTALL updated.

    Release index →Go-live readiness →
43. Wave 169

    Go-live readiness score

    /internal/readiness aggregates launch · security · a11y · PWA · funnel · moat into 0–100 + blockers

    • goLiveReadiness lib — equal-weight pillars with gate + markdown export.
    • Linked from /internal/command and /internal/launch.

    Go-live readiness →Command center →Launch checklist →
44. Wave 168

    Competitive win/loss log

    Founder /internal/winloss deal outcomes vs aggregators; optional chip on /compare-parity

    • winLossLog lib — win / loss / push vs quote aggregator · lead mill · carrier direct · incumbent.
    • Battlecard optional chip when decisive sample exists; markdown export; package 3.6.0.

    Win/loss log →Battlecard →
45. Wave 167

    Partner onboarding wizard

    /partners/onboard multi-step stub — API key, webhook URL, embed snippet, first attribution test

    • partnerOnboard lib — localStorage progress; mint stub key; growthEngine attribution test.
    • Linked from partners hub, API, webhooks, embed preview.

    Onboard wizard →Partners →
46. Wave 166

    Funnel mirror

    /internal/funnel mirrors demo→waitlist→agent-join→bind-ready from analytics emits + growthEngine

    • funnelMirror lib — stub counts + conversion vs prior + markdown export.
    • Complements Wave 35 step bars; links to events dictionary and growth.

    Funnel mirror →Events →
47. Wave 165

    v3.50 milestone freeze

    Package 3.5.0 — RELEASE_NOTES_v3.50.md, release:check === 165, dual tarball latest + v3.50 (older freezes kept)

    • Waves 160–164: rate shop alerts, household score share, agent territory, carrier sandbox, investor one-pager.
    • Health untouched; v0.50–v1.00 + v1.70 + v2.00 + v2.50 + v3.00 archives not overwritten.

    Release index →Investor one-pager →Wave 160 →
48. Wave 164

    Investor one-pager

    Deepen /investors with moat narrative + SAMPLE metrics for fundraising

    • investorOnePager lib — every metric labeled SAMPLE; markdown export narrative.
    • CTAs to demo, sales, dataroom; pairs with Wave 42 FAQ.

    Investors →Sales one-pager →
49. Wave 163

    Carrier sandbox quotes

    /carriers/sandbox quote response simulator feeds fill-rate + match outcomes

    • carrierSandboxQuotes lib — responded / declined / bound paths append local fill events.
    • Linked from carriers portal + fill dashboard.

    Sandbox →Fill-rate →
50. Wave 162

    Agent territory map stub

    /agents/territory ZIP footprint editor; density chip lightly feeds liquidity pulse

    • agentTerritory lib — localStorage footprints + density band.
    • ~10% blend into liquidity when territory present.

    Territory →Liquidity →
51. Wave 161

    Household score sharing

    /app/score-share anonymized household coverage-score card with invite CTA

    • householdScoreShare lib — PII-stripped share text + SVG card (like growth score).
    • Prefs in localStorage; CTA to /app/join.

    Score share →Join household →
52. Wave 160

    Rate shop alerts deepen

    Seeded rate-change alerts when lifts exceed threshold — CTA compare; localStorage prefs

    • rateShopAlerts lib + panel on /app/alerts (complements Wave 67 rules).
    • Demo seeded renewals — not carrier notices.

    Alerts →Compare →
53. Wave 159

    Blog / seed content hub

    Three /learn seed articles — parity promise, how compare works, agent network — with product CTAs; package 3.3.0

    • learnSeedContent TS module; routes on sitemap + smoke + docs search.
    • release:check === 159; latest tarball only — v3.00 and earlier freezes untouched.

    Learn hub →Parity promise →How compare works →Agent network →
54. Wave 158

    Structured data

    JSON-LD Organization + SoftwareApplication on homepage/layout; FAQPage helper for pricing

    • structuredData lib powers RootJsonLd; demo-honest — not an insurer claim.
    • SEO depth for broader commercial reach alongside Wave 107 seoMeta.

    Homepage →Pricing FAQ →
55. Wave 157

    Locale / copy catalog stub

    English-first marketing copy catalog (hero, CTAs, parity promise) with /internal/copy browser

    • copyCatalog lib; es reserved empty; i18n path = Wave 22 chrome + Wave 157 marketing.
    • Structure ready for future locales — no fake translations.

    Copy catalog →Learn hub →
56. Wave 153

    Support macros

    /internal/support first-week ops macros — coverage parity, how to upload, agent join — with markdown copy; package 3.1.0

    • Three product macros deepen the Wave 45 inbox; Copy + Markdown clipboard for founder replies.
    • release:check === 153; latest tarball only — v3.00 and earlier freezes untouched.

    Support inbox →Contact →Agent join →
57. Wave 152

    Analytics event dictionary

    /internal/events catalog of demo analytics names for waitlist, tour, compare, bind-ready, referral — export JSON + emit stubs

    • Founder dictionary with local emit stream; not Mixpanel/Segment.
    • Stubs wired on compare, growth waitlist, demo tour, referral share, bind-ready.

    Event dictionary →Onboarding funnel →Analytics →
58. Wave 151

    Error / empty-state audit

    Shared empty-state patterns on policies, shortlist, and shop with consistent CTAs to demo tour and inventory

    • emptyStatePatterns lib; EmptyState secondaryHref; error/404 recovery links to /demo and inventory.
    • First-week live ops consistency — not feature sprawl.

    Inventory →Shortlist →Shop →Demo tour →
59. Wave 148

    Incident status page

    Public /status polish — all systems operational + history seed trust signal; package 2.6.0

    • Seeded resolved incident history when the board is empty; demo uptime % trust signal.
    • Footer + trust center links; statusPage helpers; release:check === 148; latest tarball only — freezes untouched.

    System status →Trust center →
60. Wave 147

    Cohort retention stub

    Founder /internal/cohorts weekly retention from tour visits, waitlist, and agent join

    • Sync from growthEngine + agentJoin + funnel; seed demo cohorts; markdown export.
    • Optional feed into /internal/revenue and command center tile; cohortRetention lib.

    Cohorts →Command center →Revenue →
61. Wave 146

    Moat story marketing

    Public /moat — compounding loops in plain language with CTAs to growth, agents, and Why Parity

    • Coverage graph, intent quality, referrals, and liquidity explained for marketing sharpness.
    • Linked from footer and home; moatStory lib; distinct from founder /internal/moat pulse.

    Moat story →Growth →Agent join →Why Parity →
62. Wave 139

    Quote pack polish

    Deepen /agents/quote-pack — parity narrative, match quality chip, one-click insured email markdown; package 2.3.0

    • quotePackPolish helpers compose risk narrative + shop-quote diffs and MQ chip from linked intents.
    • release:check === 139; latest tarball only — v2.00 and earlier freezes untouched.

    Quote pack →Book of business →Match quality →
63. Wave 138

    Book of business snapshot

    /agents/book — open deals, bind-ready %, estimated commissions, retention risk from household renewals

    • Snapshot compounds pipeline + bind-ready progress + commission stub + renewal calendar.
    • Markdown export for book review; linked from pipeline, inbox, quote pack, agent nav.

    Book of business →Pipeline →Earnings →Renewals →
64. Wave 137

    Follow-up cadences

    Pipeline/inbox follow-up cadence — overdue, snooze, next-touch in localStorage; on-time completions compound agent trust

    • Seeds from open pipeline cards and intents; snooze 1/3/7d; Done on-time bumps local trust boost.
    • Lib agentFollowUp + FollowUpCadencePanel on /agents/pipeline and /agents/inbox.

    Pipeline →Intent inbox →Book snapshot →
65. Wave 136

    Capacity alerts

    Open intents vs capacity stub — alerts on /carriers + /internal/liquidity; ops markdown export; package 2.2.0

    • Severity near/over when utilization ≥ 80% or over max; carrierCapacity lib.
    • release:check === 136; latest tarball only — v2.00 and earlier freezes untouched.

    Carrier portal →Liquidity pulse →Appetite editor →
66. Wave 135

    Appetite self-serve stub

    /carriers/appetite — lines, ZIP footprints, min premium in localStorage; feeds matchQuality

    • Hard-gate ZIP prefixes + appetite leg boost in match scoring.
    • Extends carrierAppetite; linked from portal and coverage panel.

    Appetite editor →Match board →Carrier portal →
67. Wave 134

    Carrier portal home

    Deepen /carriers — appetite summary, fill-rate chip, open RFPs, SLA status; CTAs to matches/fill/quote packs

    • Supply-side portal home compounds with demand (RFP + intents).
    • carrierPortal lib aggregates fill, SLA, appetite, and capacity alert.

    Carrier portal →Fill-rate →Quote pack →
68. Wave 133

    Press / launch kit

    /press deepen — brand blurb, screenshot placeholders, founder contact stub, markdown export; package 2.1.0

    • Sales + brand one-pager links; launch kit markdown copy/download.
    • release:check === 133; latest tarball only — v2.00 and earlier freezes untouched.

    Press kit →Sales one-pager →Brand kit →
69. Wave 132

    Savings proof widget

    Homepage + /growth anonymized aggregate savings from win-story seeds — CTA into /demo

    • Illustrative annual totals from agentWinStories seeds — no PII.
    • Lib savingsProof + tests; first-session social proof without testimonials theater.

    Homepage →Growth →Demo →
70. Wave 131

    Demo seed tour

    4-step first-session tour on /demo + first /app visit: inventory → compare → shortlist → growth invite

    • Persists completion; feeds onboardingConversion for mapped steps.
    • Lib demoSeedTour + tests — unmistakable first-session value path.

    Founder demo →Consumer app →Growth invite →
71. Wave 130

    v2.00 commercial milestone freeze

    Package 2.0.0 — RELEASE_NOTES_v2.00.md, release:check === 130, dual tarball v2.00 (older freezes kept)

    • First 2.x commercial freeze after command center, changelog marketing, and a11y/perf pass.
    • parity-marketplace-v2.00.tar.gz + latest refresh; v0.50–v1.00 + v1.70 tagged archives untouched.

    Release index →Command center →Changelog →Sales one-pager →
72. Wave 129

    Accessibility & perf pass stubs

    /internal/a11y checklist — skip links, axe smoke, soft perf skim; A11Y.md / PERF.md deepened

    • Founder hygiene surface with localStorage ticks; smoke route; no heavy chrome rewrites.
    • Lib a11yPerfPass + tests; links to /accessibility and /internal/perf.

    A11y & perf pass →Accessibility statement →Perf budget →
73. Wave 128

    Public changelog marketing

    Marketing strip on /changelog — recent waves from WAVE_INDEX + trust/transparency CTAs

    • changelogMarketing lib builds newest-first summaries and RELEASE notes stubs for freeze waves.
    • Trust center, growth waitlist, sales one-pager, and release-index CTAs for outsiders.

    Changelog →Trust center →Growth waitlist →Release index →
74. Wave 127

    Founder command center

    /internal/command pulse page — moat, liquidity, revenue, virality, ops, launch, SLO, demand-heat, feedback + demo-compound

    • One founder dashboard linking sibling pulse surfaces with pin + markdown export.
    • Load demo compound buttons where natural (moat / liquidity / demand-heat).

    Command center →Ops runbook →Moat pulse →
75. Wave 126

    Sales one-pager

    Package 1.9.0 — /sales (alias /one-pager) printable pitch: parity promise, moat loops, CTAs + markdown export

    • Founder-facing sales surface with Print / Save PDF and copy/download markdown stub.
    • Lib salesOnePager + tests; nav / palette / sitemap / smoke; release:check === 126; latest tarball only (v1.70 tagged freeze untouched).

    Sales one-pager →Alias /one-pager →Trust center →Employers hub →
76. Wave 125

    Compliance / trust center

    /trust deepened — privacy, security practices, data retention, SOC 2 roadmap stub, legal links; footer/nav CTA

    • Trust center sections + illustrative SOC 2 phases for enterprise / employer GTM diligence (not an attestation).
    • Lib trustCenter + tests; CTAs to employers, sales, growth, contact.

    Trust center →Privacy →Security →Sales one-pager →
77. Wave 124

    Employer benefits hub

    Deepen /employers — census stub, group quote interest, benefits admin checklist; growthEngine audience=employer

    • HR OE checklist + group quote waitlist dual-write to growthEngine and CRM source employers.
    • Lib employerBenefitsHub + tests; census upload stub retained.

    Employers hub →Growth loops →RFP board →
78. Wave 123

    Ops runbook in-app

    Package 1.8.0 — /internal/ops daily checklist (smoke, moat, fill, SLO, waitlist) with last-run timestamps

    • Founder daily hygiene surface with localStorage checkmarks + last-run stamps; links into routes/moat/fill/slo/waitlist.
    • Lib opsRunbook + tests; nav / palette / sitemap / smoke; release:check === 123; latest tarball only (v1.70 tagged freeze untouched).

    Ops runbook →Virality →Quote SLOs →Moat pulse →
79. Wave 122

    Agent win stories

    Anonymized savings/bind case-study cards on /agents and /compare-parity — CTA join

    • localStorage-seeded win stories (no PII); illustrative savings + days-to-bind stubs; CTAs to /agents/join and /growth.
    • Lib agentWinStories + tests; surfaces on agent hub + battlecard page.

    Agents hub →Why Parity →Join as agent →
80. Wave 121

    Invite virality loop

    One-tap share from growth score card + household invite; invite→waitlist conversion; /internal/virality chart stub

    • Web Share API with clipboard fallback; share events stored in growthEngine; founder 14-day chart + markdown export.
    • Conversion: shares → waitlist entries that carry an invite code.

    Growth loops →Virality chart →Household invite →
81. Wave 120

    v1.70 commercial milestone freeze

    Package 1.7.0 — RELEASE_NOTES_v1.70.md, release:check === 120, dual tarball v1.70 + latest (v0.50–v1.00 kept)

    • Commercial milestone freeze after waves 117–119 demand heat, quote SLOs, and competitive battlecard on top of 1.6.x.
    • New tagged archive parity-marketplace-v1.70.tar.gz; refresh latest parity-marketplace.tar.gz only — do not overwrite v0.50–v1.00.
    • Health lib paths untouched.

    Release index →Why Parity →Demand heat →Quote SLOs →
82. Wave 119

    Competitive battlecard

    Marketing /compare-parity (alias /why-parity) vs generic aggregators — parity promise, exposure-safe, transparency, agent network

    • Battlecard pillars + scorecard vs quote aggregators / lead mills / carrier direct; CTAs to /growth and /agents/join.
    • Lib competitiveBattlecard + tests; nav / palette / sitemap / smoke.

    Why Parity battlecard →Alias /why-parity →Growth →Agents join →
83. Wave 118

    Quote SLA SLOs

    SLO targets (time-to-first-quote, carrier turnaround, fill, inbox on-track) + breach alerts on /internal/slo

    • Surfaced on /agents/inbox and /carriers/fill via SLO status chip; acknowledge alerts in localStorage.
    • Lib quoteSlo + tests; nav / palette / sitemap / smoke.

    Quote SLOs →Agent inbox →Carrier fill →
84. Wave 117

    Demand heat map

    ZIP/region demand density from localStorage intents/referrals on /demand + /internal/demand-heat — feeds liquidity pulse

    • Heat signal blends into liquidity coverage density; markdown snapshot stub.
    • Lib demandHeatMap + tests; nav / palette / sitemap / smoke.

    Demand heat →Demand →Liquidity pulse →
85. Wave 116

    Launch readiness checklist

    In-app /internal/launch checklist (LAUNCH.md + GROWTH.md) with localStorage checkmarks — package 1.6.0

    • Checklist mirrors Origin repo, Vercel, smoke routes, waitlist on, agents join on; progress persists locally.
    • Linked from /internal/moat and /internal/revenue; LAUNCH.md status note updated for 1.6.x.
    • Lib launchChecklist + tests; nav / palette / sitemap / smoke; latest tarball only; health untouched.

    Launch checklist →Moat pulse →Revenue funnel →Growth →
86. Wave 115

    Embed & affiliate

    Deepen gap embed + affiliate ?ref= into growthEngine; preview /partners/embed

    • Affiliate iframe snippet builder; /embed/gap records UTM + partner attribution into growthEngine.
    • Preview page /partners/embed with live iframe + copy snippet + record-attribution stub.
    • embedGap affiliate helpers + tests; health untouched.

    Embed preview →Gap widget →Partners →Growth →
87. Wave 114

    Partner API surface

    OpenAPI-style /partners/api — auth key, rate limits, intent/quote/referral samples; webhooks → growth

    • Stub endpoints for intent create, quote status, referral.attributed with sample JSON + rate-limit headers.
    • Webhook catalog wired to growth attribution list on the partners API page.
    • Lib partnerApi + tests; health untouched.

    Partner API →Partner webhooks →Partners →Open API roadmap →
88. Wave 113

    NPS / feedback loop

    Feedback widgets on /app + /agents; scores feed trustSocial / moat; founder CSV — package 1.5.0

    • NpsFeedbackWidget on consumer and agent layouts; scores → npsTrustChip + moat contribution via feedbackLoop.
    • Founder /internal/feedback shows moat/trust signal + CSV export stub (parity-nps-feedback-*.csv).
    • Lib feedbackLoop + tests; nav / palette / sitemap / smoke; latest tarball only (v0.50–v1.00 tagged freezes kept); health untouched.

    Feedback / NPS →Consumer app →Agents →Moat pulse →
89. Wave 112

    Monetization path

    Soft paywall + billingStub (free/pro/partner) + founder /internal/revenue funnel

    • billingStub localStorage plan state; soft paywall for agent seats / partner API with upgrade CTAs to /agents/join and /partners from /pricing.
    • Founder /internal/revenue: waitlist→signup funnel counts from growthEngine + agentJoin; markdown export.
    • Lib billingStub + tests; SoftPaywallStub on pricing; health untouched.

    Revenue funnel →Soft paywall →Agent join →Partners →
90. Wave 111

    Retention digests

    Weekly retention nudge on /app/digest — churn-risk + open-rates → moat/liquidity signal

    • Churn-risk flag when inventory stale / renewals soon; CTA back into compare/shop; retention appendix on digest email body.
    • Persist digest open-rates stub (localStorage) as optional liquidity/moat engagement signal.
    • Lib retentionDigest + tests; digest page wiring; health untouched.

    Weekly digest →Compare →Shop →Liquidity pulse →
91. Wave 110

    Liquidity pulse

    Founder liquidity view — open intents, filled quotes, time-to-quote, agent coverage density — package 1.4.0

    • New /internal/liquidity scorecard compounds match quality + carrier fill-rate into a two-sided liquidity pulse with WoW deltas and markdown export.
    • Wired from /internal/moat, carriers fill/matches, RFP board; GROWTH.md + STRATEGY.md brief notes on liquidity as commercial moat.
    • Lib liquidityPulse + tests; nav / palette / sitemap / smoke; latest tarball only (v0.50–v1.00 tagged freezes kept); health untouched.

    Liquidity pulse →Moat pulse →Fill-rate loop →Match quality →
92. Wave 109

    Carrier fill rate loop

    SLA + quote response → fill-rate dashboard at /carriers/fill; WoW history nudges appetite ranking

    • carrierFillRate lib: demo SLA seed + local quote/SLA/bound events → fill %, response %, SLA hit %, appetite boost (−5…+15).
    • Dashboard stub /carriers/fill (alias /internal/fill); markdown export; compounds into match-board fit via fill boost.
    • Lib + tests; nav / palette / sitemap / smoke; health untouched.

    Fill-rate loop →SLA scorecard →Appetite match board →Alias /internal/fill →
93. Wave 108

    Match quality score

    Intent × appetite × trust → 0–100 match quality on RFP, carrier matches, agent inbox/pipeline

    • matchQuality lib composites consumer intent, carrier appetite fit, and agent trust into bands (excellent / strong / fair / thin).
    • Surfaced on /marketplace/rfp, /carriers/matches, /agents/inbox (+ pipeline links); Record outcome persists anonymized scores and densifies moat coverage edges.
    • Lib + tests; compounds into liquidity pulse; health untouched.

    Match board + MQ →RFP / bid board →Intent inbox →Moat pulse →
94. Wave 107

    SEO & share

    OG/Twitter defaults, sitemap completeness, /internal/moat noindex, growth invite share copy — package 1.3.0

    • seoMeta lib: Open Graph / Twitter defaults, pageSeoMeta helper, SEO_SITEMAP_REQUIRED_PATHS (includes /growth, /agents/join, /pricing).
    • robots.txt disallows /internal/ and /embed/; internal layout noindex (moat included); sitemap omits founder/internal routes.
    • Growth invite share pack (SMS / email / Twitter / LinkedIn / generic) on /growth; wired through buildGrowthInviteLink; latest tarball only (v0.50–v1.00 tagged freezes kept); health untouched.

    Growth →Pricing →Join as agent →HTML sitemap →
95. Wave 106

    Trust & social proof stubs

    Trust strip, testimonials stubs, security badges, legal/privacy links, agent trust chips from moat loops

    • Marketing trust strip + security badges + illustrative testimonials on home and /pricing; legal links to /trust /privacy /terms /security.
    • Agent trust chips derived from moat-loop / network graph signals on home, /growth, /agents/join.
    • trustSocial lib + tests; demo stubs clearly labeled — not third-party audits.

    Trust →Privacy →Security →Pricing →
96. Wave 105

    Pricing & conversion

    /pricing consumer vs agent vs partner tiers + FAQ; homepage hero CTA path demo → growth waitlist

    • Strengthened /pricing with clear consumer (free), agent seat, and partner tiers (demo pricing OK), FAQ, CTAs to /growth waitlist and /agents/join.
    • Homepage hero A/B path: Try the demo → Join growth waitlist (experiments variants updated).
    • pricingTiers lib + tests; conversion footer CTAs demo → growth → agents/join.

    Pricing →Demo →Growth waitlist →Join as agent →
97. Wave 104

    Agent acquisition loop

    Public /agents/join — signup stub, pipeline seed, earnings teaser, agent referrals

    • Public agent signup stub with license state, lines, metro, and optional referral code; applications persist in localStorage.
    • Apply seeds a New-stage pipeline override and mirrors into waitlist source=agents; earnings teaser links to /agents/earnings.
    • Agent-to-agent referral codes + share links (utm_campaign=agent_recruit); agentJoin lib + tests; package 1.2.0; latest tarball only.

    Join as agent →Pipeline →Earnings →Growth →
98. Wave 103

    Onboarding conversion

    First-run checklist + progress bar — inventory → compare → shortlist compounds into moat

    • First-run conversion checklist and progress bar on /app home and /app/advisor.
    • Empty-state CTAs drive inventory upload → parity compare → shortlist; completion % persists locally.
    • Step completion records coverage edges and refreshes moat pulse; onboardingConversion lib + tests.

    App home →Advisor →Shortlist →Moat pulse →
99. Wave 102

    Growth engine stub

    /growth — waitlist, invite codes, parity-score card, UTM store wired to demand/referral compounder

    • Consumer+founder /growth: waitlist capture (localStorage + store source=growth), referral invite codes (PARITY-XXXX), shareable parity-score card stub, UTM attribution store.
    • Wires into demand/referral compounder (recordAttribution + networkGraph); ReferralCompoundPanel on /growth.
    • growthEngine lib + tests; nav / footer / palette / sitemap; GROWTH.md live playbook.

    Growth →Demand →Waitlist CRM →Moat pulse →
100. Wave 101

     Compounding moat loops

     Coverage · intent quality · referral · founder moat pulse — advantage compounds over sessions

     • Coverage graph compounder: inventory/compare/shop/advisor actions append anonymized edges; growth on /internal/moat + network effects chip on demand/agents/graph panels.
     • Intent quality loop: quote outcomes, SLA hit/miss, bind-ready progress, and ratings feed local quality/trust boosts; leaderboard + intent scorer reflect them.
     • Referral / partner attribution compounder: attributions bump networkGraph; webhook stub auto-emits referral.attributed; cumulative panel on /demand.
     • Founder moat pulse: this-week vs last scorecard (coverage nodes, intents, referrals, agent trust, demand density) + exportable markdown; moatLoops lib + tests; package 1.1.0; latest tarball only (v0.50–v1.00 tagged archives kept); health untouched.

     Moat pulse →Demand →Agent leaderboard →Partners →
101. Wave 100

     v1.00 demo milestone freeze

     Milestone freeze — release notes, release:check === 100, dual v1.00 tarball (first 1.x)

     • v1.00 demo milestone: RELEASE_NOTES_v1.00.md summarizing waves 91–100 on top of v0.90 (flood/CAT → life needs → renters/condo → telematics → pet → cyber/identity → valuables → move → teen driver → freeze); /internal/release highlights v1.00 (v0.90 / v0.80 / v0.70 / v0.60 / v0.50 still listed); npm run release:check asserts wave count === 100.
     • WAVE_INDEX / waveIndex 1–100; DEMO_MILESTONE_WAVE_100 = 100 with DEMO_MILESTONE_WAVE_90 = 90 and prior milestones kept; dual tarball parity-marketplace.tar.gz + parity-marketplace-v1.00.tar.gz (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 archives untouched); package 1.0.0; health lib paths left untouched; LAUNCH.md for Origin/Vercel checklist.

     Release index →Founder demo →Changelog →Docs →
102. Wave 99

     Teen / new driver onboarding guide

     Consumer teen / new driver coverage guide — checklist, illustrative premium impact, shop/telematics/umbrella/advisor CTAs

     • New /app/teen-driver educational surface: onboarding checklist for add to policy, good-student discount, telematics, liability limits, and umbrella bump; progress in localStorage.
     • Illustrative premium impact stub driven by checklist toggles; CTAs to shop, telematics, umbrella, and advisor; lib + tests (teenDriverGuide); nav / palette / sitemap / smoke / docs / waveIndex; package 0.99.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone; not a v1.00 freeze.

     Teen / new driver →Shop auto →Telematics / UBI →Umbrella needs →Needs advisor →
103. Wave 98

     Move / relocation coverage checklist

     Consumer move / relocation coverage checklist — timeline tasks, localStorage progress, insurance touchpoints

     • New /app/move educational surface: timeline checklist for notify carriers, update address, renters↔home switch, auto garaging, lender letter, and flood check (plus overlap / shop-gaps helpers).
     • Progress persists in localStorage; CTAs to policies, renewals, housing, flood, lender-letter, and shop; lib + tests (moveChecklist); nav / palette / sitemap / smoke / docs / waveIndex; package 0.98.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Move checklist →Policies →Renewals →Renters vs condo →Flood & CAT →Lender letter →Shop →
104. Wave 97

     Jewelry / valuables schedule stub

     Consumer jewelry & valuables schedule — HO sublimits, schedule vs blanket, localStorage list

     • New /app/valuables educational surface: add personal-property valuables (description, category, value), compare to typical HO theft sublimits, and get a schedule vs blanket recommendation stub.
     • List persists in localStorage; CTAs to shop, advisor, policies, and brief; lib + tests (valuablesSchedule); nav / palette / sitemap / smoke / docs / waveIndex; package 0.97.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Jewelry / valuables →Shop home →Advisor →Policies →Coverage brief →Claims-ready / inventory →
105. Wave 96

     Cyber / identity theft coverage guide

     Consumer cyber & identity theft coverage guide — home riders vs standalone, fraud / ransomware / social engineering, gap checklist

     • New /app/cyber educational surface: home/renters identity riders vs standalone personal cyber, with pillars for fraud reimbursement, ransomware, and social engineering, plus a checklist of common gaps.
     • Gap stub from advisor identity/cyber concern + cyber policy / thin HO rider; CTAs to shop, advisor, umbrella, and brief; lib + tests (cyberIdentityGuide); nav / palette / sitemap / smoke / docs / waveIndex; package 0.96.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Cyber / identity guide →Shop cyber →Advisor →Umbrella needs →Coverage brief →Learn: cyber / identity →
106. Wave 95

     Pet insurance explainer + gap stub

     Consumer pet insurance explainer — accident-only vs accident+illness, waits, exclusions, cost vs vet bills, add-pet stub

     • New /app/pet educational surface: accident-only vs accident+illness compare, waiting periods, common exclusions, illustrative annual premium vs vet bill scenarios, and a coverage gap stub (pets signaled vs pet policy on file).
     • Optional add-pet profiles saved to localStorage; CTAs to shop, advisor, and brief; lib + tests (petInsuranceExplainer); nav / palette / sitemap / smoke / docs / waveIndex; package 0.95.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; not health MRF lane; Wave 90 freeze not redone.

     Pet insurance explainer →Shop pet →Advisor →Coverage brief →
107. Wave 94

     Auto telematics / UBI tradeoff

     Consumer telematics / UBI tradeoff explorer — privacy vs discount slider, savings range, shared-data callouts

     • New /app/telematics educational surface: privacy vs discount slider with privacy-first / balanced UBI / discount-seeker presets; illustrative annual savings range vs a demo auto premium; what data is typically shared at each level.
     • CTAs to shop, advisor, and deductibles (+ learn/telematics); lib + tests (telematicsTradeoff); nav / palette / sitemap / smoke / docs / waveIndex; package 0.94.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Telematics tradeoff →Learn article →Shop auto →Advisor →Deductibles →
108. Wave 93

     Renters vs condo (HO-6) decision guide

     Consumer renters vs condo (HO-6) decision guide — coverage compare, lease/HOA checklist, shop CTAs

     • New /app/housing educational surface (+ /learn/renters-condo): side-by-side what renters vs condo cover (personal property, liability, loss assessment, building/improvements); situation picker; lease/HOA requirements checklist.
     • CTAs to shop, advisor, and policies; lib + tests (rentersCondoGuide); nav / palette / sitemap / smoke / docs / waveIndex; package 0.93.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Housing guide →Learn article →Shop renters →Advisor →Policies →
109. Wave 92

     Life insurance needs / gap calculator

     Consumer life insurance needs / gap calculator — income, debts, education vs existing coverage

     • New /app/life educational surface: income replacement years, debts, education funding, and existing coverage → recommended face amount + gap (demo math, clearly labeled). Distinct from the health transparency lane.
     • CTAs to shop, advisor, and brief; checklist into exposure; lib + tests (lifeNeeds gap calculator); nav / palette / sitemap / smoke / docs / waveIndex; package 0.92.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Life needs →Shop life →Advisor →Brief →
110. Wave 91

     Flood / CAT risk explainer

     Consumer flood & catastrophe risk explainer — demo ZIP zones, NFIP vs private, HO water exclusions

     • New /app/flood educational surface: demo ZIP→zone stub (seeded metros), NFIP vs private flood comparison, home policy water exclusions callout (flood vs water-backup vs plumbing), and a checklist with CTAs to shop, advisor, exposure, and brief.
     • Lib + tests (floodRiskExplainer); nav / palette / sitemap / smoke / docs / waveIndex; package 0.91.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 tagged archives kept); health lib paths left untouched; Wave 90 freeze not redone.

     Flood & CAT →Shop flood →Exposure map →Coverage brief →
111. Wave 90

     v0.90 demo milestone freeze

     Milestone freeze — release notes, release:check === 90, dual v0.90 tarball

     • v0.90 demo milestone: RELEASE_NOTES_v0.90.md summarizing waves 81–90 on top of v0.80 (household invite → webhooks → bind-ready → carrier SLA → lender letter → agent digest → deductibles → RFP board → umbrella → freeze); /internal/release highlights v0.90 (v0.80 / v0.70 / v0.60 / v0.50 still listed); npm run release:check asserts wave count === 90.
     • WAVE_INDEX / waveIndex 1–90; DEMO_MILESTONE_WAVE_90 = 90 with DEMO_MILESTONE_WAVE_80 = 80, DEMO_MILESTONE_WAVE_70 = 70, DEMO_MILESTONE_WAVE_60 = 60, and DEMO_MILESTONE_WAVE = 50 kept; dual tarball parity-marketplace.tar.gz + parity-marketplace-v0.90.tar.gz (v0.50 / v0.60 / v0.70 / v0.80 archives untouched); package 0.90.0; health lib paths left untouched.

     Release index →Changelog →Founder demo →
112. Wave 89

     Umbrella needs calculator

     Size excess liability from net worth + risk toggles

     • Consumer umbrella / excess liability needs calculator at /app/umbrella: inputs for net worth, auto/home liability limits, and risk-factor toggles (teen drivers, swimming pool, rental property); recommends an illustrative umbrella limit and shows the gap vs current (demo math, clearly labeled).
     • CTAs to shop, advisor, brief, and exposure; lib + tests (umbrellaNeeds); nav / palette / sitemap / smoke / docs / waveIndex; package 0.89.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Umbrella needs →Shop umbrella →Needs advisor →Coverage brief →Exposure heat map →
113. Wave 88

     Marketplace RFP / bid board

     Multi-sided RFP board — post coverage needs, stub quote interest

     • RFP / bid board stub at /marketplace/rfp (alias /rfp): employers/consumers post a coverage need; agents/carriers browse open RFPs and respond with stub quote interest saved to localStorage; seeded demo RFPs so the board is never empty.
     • Links from employers, carriers, agents hub, and demand; lib + tests (marketplaceRfp); nav / palette / sitemap / smoke / docs / waveIndex; package 0.88.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     RFP / bid board →Employers →Carriers →Agents →Demand →
114. Wave 87

     Deductible scenario explorer

     Auto/home deductible explorer — premium tradeoff vs sample-claim OOP

     • Consumer deductible scenario explorer at /app/deductibles: auto/home line toggle, cash-thin / balanced / cash-cushion presets, and a deductible slider showing illustrative premium vs out-of-pocket on a sample claim (demo math, clearly labeled).
     • CTAs from shop, compare, advisor, and brief; DeductibleTradeoffPanel links into the explorer; lib + tests (deductibleScenarios); nav / palette / sitemap / smoke / docs / waveIndex; package 0.87.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Deductible explorer →Shop →Compare →Advisor →Coverage brief →
115. Wave 86

     Agent activity digest

     Weekly agent activity digest — pipeline, quotes, SLA risks, new intents

     • Agent weekly activity digest stub at /agents/digest: summarizes pipeline moves (localStorage overlays), open quotes, SLA at-risk/breached intents, and new intents from existing seed/localStorage into a printable/email-draft markdown block with copy CTA (no send).
     • Linked from agents hub, inbox, pipeline, and performance; lib + tests (agentActivityDigest); nav / palette / sitemap / smoke / docs / waveIndex; package 0.86.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Activity digest →Agents hub →Intent inbox →Deal pipeline →Performance →
116. Wave 85

     Lender coverage letter

     Proof-of-insurance / lender coverage letter stub for mortgage & landlords

     • Consumer fillable proof-of-insurance stub at /app/lender-letter: lender name, loan #, property address; printable/downloadable markdown + text generated from home/renters policy inventory; copyable demo-only disclaimer (not a real COI or mortgagee endorsement).
     • CTAs from /app/policies (vault), /app/renewals, and docs; lib + tests (lenderLetter); nav / palette / sitemap / smoke / docs / waveIndex; package 0.85.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Lender coverage letter →Policies / vault →Renewals →Docs →Bind ready →
117. Wave 84

     Carrier SLA scorecard

     Carrier responsiveness scorecard — quote, bind, endorsement, NPS-ish trust

     • Carrier SLA / responsiveness scorecard stub at /carriers/sla: demo metrics for quote turnaround, bind time, endorsement lag, and NPS-ish trust with ranked table and optional line filter. Methodology + composite weights; educational seed only.
     • Linked from /carriers, /carriers/matches, /agents/quotes, and /agents/pipeline; lib + tests (carrierSla); nav / palette / sitemap / smoke / docs / waveIndex; package 0.84.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Carrier SLA scorecard →Carriers →Appetite match board →Agent quotes →Deal pipeline →
118. Wave 83

     Bind readiness checklist

     Pre-bind checklist for agents and consumers — ID, payment, loss runs, e-sign

     • Agent/consumer bind readiness checklist stub at /app/bind-ready and /agents/bind-ready: docs/ID, payment method, prior-carrier loss runs / CLUE, e-sign, named parties, plus agent subjectivities / binding authority. Progress persists in localStorage (parity_app_v1). Distinct from claims-ready (post-loss prep).
     • CTAs from /agents/quotes, /agents/pipeline, and /app/compare; lib + tests (bindReady); nav / palette / sitemap / smoke / docs / waveIndex; package 0.83.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Consumer bind ready →Agent bind ready →Claims ready (distinct) →Deal pipeline →Compare →
119. Wave 82

     Partner webhook events

     Demo webhook event catalog + copyable JSON + deliver-to-URL localStorage stub

     • Partner/developer webhook events stub: catalog of demo types (waitlist.signup, referral.attributed, quote.requested, intent.opted_in, partner.interest, coverage.gap_reported), sample payloads, /developers/webhooks and /partners/webhooks with copyable JSON and deliver-to-URL no-op that logs to parity_webhook_deliveries_v1.
     • Linked from /developers and /partners; lib + tests (webhookEvents); nav / palette / sitemap / smoke / docs / waveIndex; package 0.82.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Developer webhooks →Partner webhooks →Developers →Partners →Open API roadmap →
120. Wave 81

     Spouse / share household invite

     Shareable household invite link/code + /app/join co-viewer accept

     • Generate a shareable stub link/code with copy CTA; /app/join accept screen explains co-viewer of policies and needs-advisor answers (parity_household_invite_v1 localStorage demo only — no email).
     • Surfaced from /app/household, settings, and coverage brief; lib + tests (householdInvite); nav / palette / sitemap / smoke / docs / waveIndex; package 0.81.0; latest tarball refresh (v0.50 / v0.60 / v0.70 / v0.80 tagged archives kept); health lib paths left untouched.

     Join household →Household sharing →Settings →Coverage brief →Needs advisor →
121. Wave 80

     v0.80 demo milestone freeze

     Milestone freeze — release notes, release:check === 80, dual v0.80 tarball

     • v0.80 demo milestone: RELEASE_NOTES_v0.80.md summarizing waves 71–80 on top of v0.70 (carrier match → employer census → partners → embed → earnings → renewals ICS → quote-pack → brief → pipeline → freeze); /internal/release highlights v0.80 (v0.70 / v0.60 / v0.50 still listed); npm run release:check asserts wave count === 80.
     • WAVE_INDEX / waveIndex 1–80; DEMO_MILESTONE_WAVE_80 = 80 with DEMO_MILESTONE_WAVE_70 = 70, DEMO_MILESTONE_WAVE_60 = 60, and DEMO_MILESTONE_WAVE = 50 kept; dual tarball parity-marketplace.tar.gz + parity-marketplace-v0.80.tar.gz (v0.50 / v0.60 / v0.70 archives untouched); package 0.80.0; health lib paths left untouched.

     Release index →Founder demo →Changelog →
122. Wave 79

     Agent pipeline kanban

     Agent deal pipeline kanban under /agents/pipeline

     • Kanban columns New → Contacted → Quoting → Quoted → Bound; cards seeded from intent inbox, submitted quotes, and agent CRM rows; drag-or-click stage moves persisted in parity_agent_pipeline_v1 localStorage.
     • Lib + tests (agentPipeline); wired from agents hub, inbox, and CRM; agent nav, footer, palette, sitemap, smoke, docs, waveIndex; package 0.79.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Deal pipeline →Intent inbox →Agent CRM →Submit quotes →Agents hub →
123. Wave 78

     Household coverage brief

     Printable household coverage brief under /app/brief

     • Consumer one-pager summarizing policies on file, exposure gaps (thin/missing), coverage score, optional gap-report stub from localStorage, and same-or-better-for-less illustrative shop quotes — download markdown, print-friendly HTML, or plain text; print stylesheet on-page.
     • Lib + tests (householdBrief); CTAs from advisor, coverage gap report, and policies; consumer nav, footer, palette, sitemap, smoke, docs, waveIndex; package 0.78.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Coverage brief →Needs advisor →Gap report →Policies →Exposure heat map →
124. Wave 77

     Carrier quote request pack

     Agent→carrier quote request pack under /agents/quote-pack

     • Assemble household + risk/exposure summary and requested lines into a printable/downloadable pack (markdown, JSON, or PDF-stub text) an agent can send to a carrier underwriter; auto-derive lines from intents + missing/thin exposure or pick manually.
     • Lib + tests (carrierQuoteRequestPack); CTAs from agents quotes/inbox and carriers; agent nav, footer, palette, sitemap, smoke, docs, waveIndex; package 0.77.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Quote request pack →Intent inbox →Submit quotes →Carriers →
125. Wave 76

     Consumer renewal calendar export

     Downloadable .ics renewal calendar + Google/Outlook add-to-calendar on /app/renewals

     • Wave 76 surfaces a clear Add renewals to your calendar card: download .ics with shop-window reminders and expiration-day events, plus Google Calendar / Outlook deep links for the next shop reminder; per-task Google shortcut; policies page CTA.
     • Lib + tests (renewalCalendarExport); renewals page, policies link, command palette keywords, docs, waveIndex; package 0.76.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Renewals calendar →Policies →Policy timeline →
126. Wave 75

     Agent commission estimator

     Agent commission / earnings estimator under /agents/earnings

     • New /agents/earnings stub: premium × illustrative new/renewal rates by line (auto/home/life/umbrella/renters/business), lean/balanced/growth presets, new-vs-renewal mix + volume scale sliders.
     • Lib + tests (agentCommission); agents hub card, agent nav, footer, command palette, sitemap, smoke, docs, waveIndex; package 0.75.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Earnings estimator →Agent portal →Performance →
127. Wave 74

     Embeddable gap widget

     Standalone /embed/gap coverage-gap teaser + iframe snippet for partners

     • New /embed/gap minimal standalone page: tiny illustrative coverage-gap teaser (umbrella / BI / life) with CTAs to /report and /app/advisor (open in new tab). Site chrome skipped under /embed/*; only /embed/* is frameable (CSP frame-ancestors *).
     • Iframe snippet documented on /partners#embed and /developers#embed-gap. Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + embedGap tests; package 0.74.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Embed gap widget →Partners iframe docs →Developers embed docs →Coverage Gap Report →
128. Wave 73

     Partner portal stub

     Public /partners affiliate & referral portal + interest waitlist

     • New /partners public landing: affiliate/referral value prop (attribution, coverage honesty, shaped demand, channels), how-it-works steps, and a clear link to existing /internal/partners referral codes (/?ref= + /report?ref=).
     • Interest capture → local waitlist source partners (CRM filter, export, nurture stubs). Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + partnersKit tests; package 0.73.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Partners portal →Partner codes →Changelog →
129. Wave 72

     Employer census stub

     CSV census → educational benefits gap summary on /employers

     • On /employers, paste or upload a small CSV of employee age bands + ZIP counts to get an educational benefits gap summary that extends the existing calculator (weighted age band, ZIP rollups, gap score). Stored in localStorage (parity_employer_census_v1); clear NOT advice label.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + employerBenefitsGap census tests; package 0.72.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Employers / census →Sample census CSV →Changelog →
130. Wave 71

     Carrier appetite match board

     Ranked appetite matches with fit reasons — educational carrier board

     • New /carriers/matches: given saved carrier appetite (or demo default) + demo/live intents, list matching intents ranked by fit score with hard-gate reasons and soft-signal fit reasons (timeline, quality, parity gap, budget headroom). Strong / good / thin bands; methodology card; linked from /carriers appetite panel.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + carrierAppetite rank tests; package 0.71.0; latest tarball refresh (v0.50 / v0.60 / v0.70 tagged archives kept); health lib paths left untouched.

     Appetite match board →Carriers / appetite →Changelog →
131. Wave 70

     v0.70 milestone freeze

     Milestone freeze — release notes, release:check === 70, dual v0.70 tarball

     • v0.70 milestone: RELEASE_NOTES_v0.70.md summarizing waves 61–70 on top of v0.60; /internal/release highlights v0.70 (v0.60 and v0.50 still listed); npm run release:check asserts wave count === 70.
     • WAVE_INDEX / waveIndex 1–70; DEMO_MILESTONE_WAVE_70 = 70 with DEMO_MILESTONE_WAVE_60 = 60 and DEMO_MILESTONE_WAVE = 50 kept; dual tarball parity-marketplace.tar.gz + parity-marketplace-v0.70.tar.gz (v0.50 and v0.60 archives untouched); package 0.70.0; health lib paths left untouched.

     Release index →Founder demo →Docs →This wave →
132. Wave 69

     ACORD-ish JSON import stub

     Paste simplified ACORD-like policy JSON on Policies — maps into inventory (not real ACORD)

     • On /app/policies, paste a simplified “ACORD-like” policy object (documented parity-acord-like schema) that maps into a Parity Policy. Sample JSON is downloadable; UI carries a clear NOT real ACORD label — not Forms/AL3/XML/carrier feed.
     • Changelog, docs, command palette, waveIndex + acordImport mapper tests; package 0.69.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Policies inventory →Sample ACORD-like JSON →Changelog →
133. Wave 68

     Household score history

     Coverage score + exposure snapshots whenever demo loads or policies change

     • New /app/score-history: snapshots coverage score and exposure summary into local history (parity_score_history_v1) whenever the demo loads or policies change (also advisor updates / import). Chart + list of snapshots; manual snapshot and clear; dashboard widget.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + scoreHistory tests; package 0.68.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Score history →Exposure heat map →Dashboard →
134. Wave 67

     Rate change alerts stub

     Local renewal & better_cheaper alert rules — demo evaluate, never push

     • New /app/alerts: create local rules to notify 45 days before renewal and flag when shop finds better_cheaper ≥ $X/year (parity_rate_alerts_v1). List active alerts; run a demo evaluation against current policies + shop quotes. Nothing is pushed (no email/SMS/browser notifications).
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + rateChangeAlerts tests; package 0.67.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Rate change alerts →Renewals →Shop →
135. Wave 66

     Document vault labels

     Tag policies with declarations / endorsement / ID card / binder — filter locally

     • On /app/policies, each policy card can be tagged with local document vault labels: declarations, endorsement, ID card, and binder (parity_document_vault_v1). Filter the inventory by label; empty-state tip when no policies are on file (and when a filter matches nothing).
     • Changelog, docs, command palette, waveIndex + documentVaultLabels tests; package 0.66.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Policies inventory →Glossary →Changelog →
136. Wave 65

     Policy Q&A stub

     Local keyword Q&A — glossary + household policy snippets with citations; no LLM

     • New /app/ask: ask about deductibles, UM/UIM, dwelling, liability, OOP max, water backup, and more. A pattern-match keyword router answers from the coverage glossary plus numbers from loaded household policies, with citations labeled “glossary” or “from your HO/auto/health policy.” Clearly not advice; no LLM required.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + policyAsk router tests; package 0.65.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Policy Q&A →Glossary →Policies →Changelog →
137. Wave 64

     Advisor explainability

     Because you said… — answer → rationale mapping plus next action on each advisor line

     • On /app/advisor, each recommended stack line expands with a structured Because you said… mapping from household answers to rationale (beyond the existing why string), plus a suggested next action: upload policy, shop, or learn.
     • Changelog, docs, command palette, waveIndex + advisorExplainability tests; package 0.64.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Needs advisor →Shop →Policies →Changelog →
138. Wave 63

     Shop smart filter presets

     One-click shop presets — better & cheaper, no exposure increase, bundles, telematics, hide traps

     • On /app/shop, smart presets compose existing parity verdicts and marketplace flags: Better & cheaper only, No exposure increase, Bundles, Telematics OK, and Hide traps (liability-only / ACV dwelling / worse).
     • Changelog, docs, waveIndex + shopSmartPresets tests; package 0.63.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Shop marketplace →Compare →Changelog →
139. Wave 62

     Exposure heat map

     Coverage-line heat map vs advisor stack — covered / thin / missing / n/a

     • /app/exposure shows a grid of coverage lines (auto, home, life, health, umbrella, and specialty) colored by adequacy versus the needs-advisor recommended stack, with an on-page methodology explainer and CTAs into advisor and shop.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + exposureHeatMap tests; package 0.62.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Exposure heat map →Needs advisor →Shop →Changelog →
140. Wave 61

     Decision journal

     Log why you kept or switched — free text, optional quote id, date; export JSON

     • /app/journal lets households record keep vs switch decisions with free-text reasons, optional quote id, and a decision date — listed locally and exportable as JSON (parity_journal_v1).
     • Compounds trust/learning in-browser. Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + decisionJournal tests; package 0.61.0; latest tarball refresh (v0.50 and v0.60 archives kept); health lib paths left untouched.

     Decision journal →Compare →Changelog →
141. Wave 60

     v0.60 milestone freeze

     Milestone freeze — release notes, release:check === 60, dual v0.60 tarball

     • v0.60 milestone: RELEASE_NOTES_v0.60.md summarizing waves 51–60 on top of v0.50; /internal/release highlights v0.60 (v0.50 still listed); npm run release:check asserts wave count === 60.
     • WAVE_INDEX / waveIndex 1–60; DEMO_MILESTONE_WAVE_60 = 60 with DEMO_MILESTONE_WAVE = 50 kept; dual tarball parity-marketplace.tar.gz + parity-marketplace-v0.60.tar.gz (v0.50 archive untouched); package 0.60.0; health lib paths left untouched.

     Release index →Founder demo →Docs →This wave →
142. Wave 59

     Policy timeline

     Visual household policy timeline — effective/expiry dates with renewals shop-window markers

     • /app/timeline charts household policies by effective and expiry dates, with amber shop-window bands and markers for the 30–45 day renewals shopping window; empty state when no policies.
     • policyTimeline builder + tests; dashboard widget; nav, footer, sitemap, smoke, command palette, waveIndex. Changelog, docs; package 0.59.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Policy timeline →Renewals →Policies →This wave →
143. Wave 58

     Coverage glossary

     A–Z plain-English coverage terms — deductible, ACV, UM, OOP max, binder, endorsement

     • /learn/glossary ships an A–Z coverage glossary with plain-English definitions and links into relevant learn/app pages (parity, replacement vs ACV, deductible vs OOP, shop, compare, health hub, and more).
     • coverageGlossary data + filter helpers + tests; client filter UI; LEARN_ARTICLES, footer, sitemap, smoke, docs search, command palette. Changelog, docs, waveIndex; package 0.58.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Coverage glossary →Learn hub →Coverage parity →This wave →
144. Wave 57

     Quote diff narrative

     Plain-language “what changes” — shop/compare narrative from parity regressions & improvements

     • On /app/shop and /app/compare, a selected quote vs your current policy now shows a What changes paragraph built from the parity engine’s improvements and exposure regressions — not just verdict badges.
     • quoteDiffNarrative builder + tests; shared QuoteDiffNarrative component. Changelog, docs, waveIndex; package 0.57.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Shop →Compare →Coverage parity →This wave →
145. Wave 56

     Agent trust leaderboard

     Rank cohort agents by ratings × SLA hit × response — local/demo composite

     • /agents/leaderboard ranks demo/cohort agents (plus onboarded profile) by a composite of consumer ratings, SLA hit rate, and median response — local events when present, deterministic demo seeds otherwise — with an on-page methodology explainer.
     • Linked from the agents hub, agent nav, footer, sitemap, smoke, and command palette. Changelog, docs, waveIndex + agentLeaderboard tests; package 0.56.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Trust leaderboard →Agents hub →Performance →Metro cohort →This wave →
146. Wave 55

     Compare share card

     Download share card — branded SVG/PNG of best better & cheaper verdict + savings

     • /app/compare adds Download share card: generates a simple branded SVG (canvas PNG when available) summarizing the best better_cheaper verdict and annual savings, with navy/teal/emerald brand colors and an honest demo watermark (not a quote).
     • Clipboard copy share card still available; prefers best better_cheaper among candidates when present. Changelog, docs, waveIndex + compareShareCard tests; package 0.55.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Compare →Brand kit →Savings ledger →This wave →
147. Wave 54

     Weekly digest draft

     Weekly household digest — copy-to-clipboard email body from local state

     • /app/digest builds a weekly snapshot from policies count, renewals due (overdue / shop window), savings ledger total, open agent requests, and shortlist count — copy subject + body to clipboard; Parity never sends email.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + householdDigest tests; package 0.54.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Weekly digest →Savings ledger →Renewals →My requests →This wave →
148. Wave 53

     Consumer savings ledger

     Local savings ledger — better & cheaper shortlists and completed switch checklists

     • /app/savings records optional estimated annual savings (parity_savings_v1) when you shortlist a better_cheaper quote or finish its switch checklist (auto-record toggle). Dashboard widget shows cumulative demo savings.
     • Changelog, docs, nav, sitemap, smoke, command palette, waveIndex + savingsLedger tests; package 0.53.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Savings ledger →Dashboard →Shortlist →Shop →This wave →
149. Wave 52

     Quote SLA timer UI

     Agent inbox SLA countdown — on-track / at-risk / breached vs committed window

     • Intent inbox shows live countdown or elapsed time against the agent's committed response SLA (from /agents/onboard profile, or 4h demo default) with color states: on-track, at-risk (≥75% of window), breached.
     • Logged SLA events (already recorded on request/contact) surface on the card when present. Changelog, docs, waveIndex + agentTrust timer tests; package 0.52.0; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Intent inbox →Agent onboard (SLA) →Agent performance →This wave →
150. Wave 51

     Agent CRM lite

     Local agent CRM — cohort + onboarded profile, stages, notes, metro filter

     • /agents/crm — CRM of metro cohort agents plus any onboarded profile: stage (prospect / active / paused), notes, last touch; filter by metro; CSV export. Overlay stored in parity_agent_crm_v1 (does not rewrite the cohort board).
     • Light tie-in to the cohort board (funnel chips + cross-links). Changelog, footer, docs, sitemap, smoke, command palette, agent nav, waveIndex + agentCrm tests; latest tarball refresh (v0.50 archive kept); health lib paths left untouched.

     Agent CRM →Metro cohort →Agent onboard →Waitlist CRM →This wave →
151. Wave 50

     v0.50 demo milestone freeze

     Milestone freeze — release notes, release:check, dual v0.50 tarball

     • v0.50 demo milestone: RELEASE_NOTES_v0.50.md for outsiders; /internal/release highlights the freeze; npm run release:check runs verify then asserts wave count === 50.
     • WAVE_INDEX / waveIndex 1–50; dual tarball parity-marketplace.tar.gz + parity-marketplace-v0.50.tar.gz; package 0.50.0; health lib paths left untouched.

     Release index →Founder demo →Docs →This wave →
152. Wave 49

     Docs search

     Public /search — client-side docs search over curated titles & descriptions

     • /search — filter-as-you-type over a curated index built from the HTML sitemap, learn article titles/blurbs, and key internal pages; no server round-trip.
     • Changelog, footer, docs, sitemap.xml, smoke, command palette, waveIndex + docsSearch tests; tarball refresh; health lib paths left untouched.

     Docs search →HTML sitemap →Learn hub →Docs →This wave →
153. Wave 48

     HTML sitemap

     Public /sitemap-page — human-readable grouped link directory (internal labeled)

     • /sitemap-page (alias /site-map) — grouped directory of major public, consumer app, agents/demand, and clearly labeled internal/founder demo routes; complements /sitemap.xml and /internal/routes.
     • Changelog, footer, docs, sitemap.xml, smoke, command palette, waveIndex + htmlSitemap tests; tarball refresh; health lib paths left untouched.

     HTML sitemap →XML sitemap →Route inventory →This wave →
154. Wave 47

     Accessibility statement

     Public /accessibility — WCAG-oriented statement + contact for barriers

     • /accessibility — what’s done (landmarks & skip link, focus management, axe-core smoke, dialog/palette wiring); known limits (no full screen-reader audit, contrast not in smoke, no full route crawl, English-first); how to report issues via /contact.
     • Changelog, footer, docs, sitemap, smoke, command palette, waveIndex + accessibilityStatement tests; A11Y.md pointer; tarball refresh; health lib paths left untouched.

     Accessibility →Contact →Privacy →Trust →This wave →
155. Wave 46

     Legal pages

     Public /terms + /cookies + one-time cookie preference stub banner

     • /terms — clear demo-product terms: not legal advice, educational tool, no brokerage/binding, local browser data, acceptable use, as-is disclaimer.
     • /cookies — localStorage inventory pointer, first-party vs no ad cookies, optional shell-only service worker, no third-party ad trackers in v1; preference stub banner (dismiss once per browser → parity_cookies_v1_dismissed) with link to /cookies.
     • Changelog, footer, docs, sitemap, smoke, command palette, waveIndex + legalPages tests; tarball refresh; health lib paths left untouched.

     Terms →Cookies & storage →Privacy center →Trust →This wave →
156. Wave 45

     Contact + support macros

     Public /contact form + /internal/support inbox with canned reply macros

     • /contact — name, email, topic (product / press / partnerships / other), message; saved to local support inbox (parity_support_v1). No outbound email.
     • /internal/support — inbox list with topic/status filters, mark resolved / reopen, canned reply macros with clipboard copy ({{name}} fill-in).
     • Changelog, footer, docs, sitemap, smoke, privacy note, waveIndex + supportInbox tests; tarball refresh; health lib paths left untouched.

     Contact →Support inbox →Press kit →Careers →This wave →
157. Wave 44

     Careers

     Public /careers — culture, illustrative roles, interest → waitlist careers

     • /careers — brand-aligned culture blurb; 4 example roles (product, eng, design, ops) clearly marked illustrative / not hiring yet; email interest capture to local waitlist source careers.
     • Changelog, footer, docs, sitemap, smoke, waveIndex + careersKit + waitlist source plumbing; tarball refresh; health lib paths left untouched.

     Careers →About →Brand kit →Waitlist CRM →This wave →
158. Wave 43

     Press kit

     Public /press — boilerplate, bios, fact sheet, SVG logos, brand contact

     • /press — company boilerplate, short + long bios, fact sheet, SVG logo download links (mark / wordmark / app icon), brand contact placeholder (press@parity.demo), link to printable one-pager.
     • Changelog, footer, docs, sitemap, smoke, waveIndex + pressKit tests; tarball refresh; health lib paths left untouched.

     Press kit →Brand kit →One-pager →Investors FAQ →This wave →
159. Wave 42

     Investor FAQ + data room stub

     Public /investors calm FAQ + /internal/dataroom founder checklist

     • /investors — calm FAQ (what we are, market, moat, business model, demo vs production, risks) + links to one-pager, STRATEGY, PRODUCT_STATUS, moat scorecard, GTM.
     • /internal/dataroom — checklist of pitch/strategy/product/trust/ops docs with local “reviewed” toggles (parity_dataroom_v1). Not a real VDR.
     • Changelog, footer, docs, sitemap, smoke, waveIndex + investorFaq + dataRoom tests; tarball refresh; health lib paths left untouched.

     Investor FAQ →Data room stub →One-pager →Moat scorecard →This wave →
160. Wave 41

     Brand kit + one-pager

     Public /brand kit and printable /brand/one-pager pitch

     • /brand — logo SVG (mark + wordmark), navy/cream/teal/emerald (+ amber) swatches, Fraunces + DM Sans type, voice do/don’t examples, usage guidelines.
     • /brand/one-pager — print-optimized founder pitch: promise, three marketplace sides, moat bullets, CTA (Print / Save PDF).
     • Changelog, footer, docs, sitemap, smoke, waveIndex + brandKit tests; tarball refresh; health lib paths left untouched.

     Brand kit →One-pager →About →Component gallery →This wave →
161. Wave 40

     Release index milestone

     WAVE_INDEX.md + /internal/release — verify commands and tarball path

     • WAVE_INDEX.md — one-line summaries of waves 1–40 (inferred from changelog + PRODUCT_STATUS).
     • /internal/release — friendly HTML view of the wave index, npm verify command list, and parity-marketplace.tar.gz path note.
     • Changelog, docs, footer, sitemap, smoke, waveIndex tests; /demo and Start-here tour left accurate; health lib paths left untouched.

     Release index →Founder demo →Start here tour →Docs →This wave →
162. Wave 39

     Component gallery

     Visual inventory of UI primitives with brand notes — no Storybook

     • /internal/gallery showcases buttons, badges, parity verdicts, empty states, cards, inputs, and skeletons with navy/cream/teal brand guidance.
     • Linked from docs + founder analytics; footer, sitemap, smoke; health lib paths left untouched.

     Component gallery →Analytics →Docs →This wave →
163. Wave 38

     PWA offline shell

     Installable manifest + shell-only service worker — no offline insurance sync

     • Web app manifest (/manifest.webmanifest) + simple brand icons (SVG/PNG 192/512); theme #0B1220; linked from root metadata for Add to Home Screen.
     • Optional /sw.js precaches the app shell only (/offline, manifest, icons, favicon) and falls back to /offline on navigation failure — does not cache Next hashed chunks or claim to sync policies/quotes/health data.
     • /offline honesty page; PWA.md; CSP worker-src 'self'; pwa helper tests; smoke + sitemap; health lib paths left untouched.

     Offline shell →Manifest →Security →This wave →
164. Wave 37

     Dark mode

     Light / dark / system appearance with warm navy dark surfaces

     • Theme toggle in site header + /app/settings (light, dark, system); persists parity_theme_v1; applies class=dark on <html> with FOUC-safe boot script.
     • CSS variables remap ink/cream (and teal/emerald text) so the navy/cream/emerald brand works in both modes — dark uses warm surfaces, not pure black.
     • Spot-fixed landing + app shell contrast (cards, badges, on-accent navy text); theme helper tests; health lib paths left untouched.

     Settings →Landing →Consumer app →This wave →
165. Wave 36

     Command palette

     Global Cmd/Ctrl-K jump palette with fuzzy title filter

     • ⌘K / Ctrl+K opens a sitewide command palette (root layout) — jump to dashboard, policies, compare, shop, health, renewals, agents, demand, analytics, scenarios, flags, demo, docs, status.
     • Fuzzy filter by title (keywords/href assist); Esc closes; a11y dialog + combobox/listbox pattern with focus trap and arrow/Enter navigation.
     • Mentioned on the in-app shortcuts help sheet and /app/help; commandPalette helper tests; health lib paths left untouched.

     Dashboard →Keyboard help →Demo →Docs →This wave →
166. Wave 35

     Onboarding funnel visualization

     Local funnel events + /internal/funnel bar/step viz with reset

     • Track land, load_demo | start_advisor, add_policy, compare, shop_view, request_agent into parity_funnel_v1 (light instrumentation; view events once per tab session).
     • /internal/funnel — step bars, activation (demo|advisor) summary, recent event log, reset button.
     • Changelog, footer/analytics/docs links, sitemap, smoke, onboardingFunnel tests; health lib paths left untouched.

     Onboarding funnel →Analytics →Landing →Consumer app →This wave →
167. Wave 34

     Scenario packs

     Founder tool to load four deterministic households beyond Dallas demo

     • /internal/scenarios — load young urban renter, coastal flood homeowner, family life gap, or small business owner packs.
     • Each pack sets household + policies + advisor answers deterministically (src/lib/scenarioPacks.ts); store.loadScenarioPack + audit load_scenario.
     • PRODUCT_STATUS documents the four packs; restore default Dallas demo from the same page.
     • Changelog, footer/analytics/docs links, sitemap, smoke, pack-builder tests; health lib paths left untouched.

     Scenario packs →Advisor →Policies →Founder demo →This wave →
168. Wave 33

     Feature flags + experiments stub

     Local flags to toggle optional surfaces; sticky A/B hero CTA on /

     • src/lib/featureFlags.ts — shortlistV2, renewalsIcs, npsWidget, partnerCodes (defaults ON); persist in parity_feature_flags_v1.
     • /internal/flags — toggle flags, reset defaults; experiments stub for landing hero CTA (A/B) with force/clear in parity_experiments_v1.
     • Gates: NPS widget behind npsWidget; renewals .ics download behind renewalsIcs; shortlist V2 summary behind shortlistV2; partner ?ref= enrichment behind partnerCodes.
     • Landing / shows sticky A/B hero CTA copy only; changelog, footer/analytics/docs, sitemap, smoke, tests; health lib paths left untouched.

     Feature flags →Landing →Renewals →Shortlist →This wave →
169. Wave 32

     NPS + product feedback

     In-app 0–10 pulse after demo load, local store, founder review + CSV

     • Subtle NPS widget on /app (consumer shell) after demo household loads — 0–10 + optional comment; dismissible; never modal / never blocks UX.
     • Responses in parity_feedback_v1; widget one-shot dismiss/submit in parity_feedback_widget_v1.
     • /internal/feedback — list responses, average score, classic NPS (%P−%D), promoters/passives/detractors, CSV export, re-show widget.
     • Changelog, footer/analytics/docs links, sitemap, smoke, feedback tests; health lib paths left untouched.

     Feedback / NPS →Analytics →Consumer app →This wave →
170. Wave 31

     Partner referral codes

     Founder partner codes, ?ref= attribution, waitlist metadata, CSV report

     • /internal/partners — create referral codes (name, code, channel) stored in parity_partner_codes_v1; copy /?ref=CODE and /report?ref=CODE landings.
     • Landings attribute into networkGraph.referralsAttributed + attributions[] with partner metadata; waitlist signups inherit partnerCode/channel/name from sticky session ref.
     • Attribution report table on partners page with summary + detail CSV export.
     • Changelog, footer/analytics links, sitemap, smoke, partnerCodes tests; health lib paths left untouched.

     Partner codes →Analytics →Waitlist CRM →Gap report →This wave →
171. Wave 30

     Product status + open API stub

     PRODUCT_STATUS.md, OpenAPI 3 stub, /api/v1 roadmap, /developers landing

     • PRODUCT_STATUS.md — executive snapshot: what Parity is, surfaces (consumer/agent/demand/health/founder), demo limits, how to run, moat, next milestones (Origin, live MRF, auth, licensed agents).
     • /api/v1/openapi.json — static OpenAPI 3 describing future quotes search, intents, health transparency — marked x-parity-status: unimplemented-stub.
     • /api/v1 — human roadmap page; /developers — partner landing linking OpenAPI + trust/security/privacy.
     • Changelog, footer, sitemap, smoke, docs, README; openapiSpec tests; health lib paths (src/lib/health*, /app/health/**) left untouched.

     Developers →Open API v1 →openapi.json →This wave →
172. Wave 29

     Status page + incident stub

     Public /status board and /internal/incidents for demo storytelling

     • /status — App, Shop, Health hub, Agent inbox always-green by default with last-checked timestamps; founder can flip degraded/outage in localStorage (parity_status_v1).
     • /internal/incidents — create/resolve demo incidents that surface on /status and sync component health.
     • Footer link to Status; changelog, sitemap, smoke, docs, README; tests for status helpers.
     • Health lib paths (src/lib/health*, /app/health/**) left untouched.

     System status →Incidents (demo) →This wave →
173. Wave 28

     Security headers + privacy center

     Next.js security headers, /privacy center, /security posture for founders

     • next.config headers: CSP (enforcing, relaxed for Next/inline + next dev eval), X-Frame-Options DENY, nosniff, Referrer-Policy, Permissions-Policy, COOP.
     • /privacy — localStorage-only v1 inventory, what isn’t collected, waitlist emails stay local, no sale of data, agent opt-in; linked from footer + trust.
     • /security — short founder/partner posture page documenting header checklist and CSP tradeoffs.
     • Changelog, sitemap, smoke, docs, README; health lib paths (src/lib/health*, /app/health/**) left untouched.

     Privacy center →Security posture →Trust & compliance →This wave →
174. Wave 27

     Performance budget

     First Load JS analyze, /internal/perf table, dynamic panels, PERF.md

     • npm run analyze — parses .next/diagnostics/route-bundle-stats.json into scripts/perf-manifest.json; founder console table of heaviest routes.
     • /internal/perf — heaviest-routes table with soft warn/critical budgets; shared-chunk snapshot; linked from analytics / routes / footer.
     • Easy-win dynamic imports (ssr:false where client): network graph, demand density map, demo script panel, benefits gap calculator, carrier appetite, life needs + term/whole panels (shop/advisor). Parity matrix already split.
     • PERF.md documents soft targets (aim keep shared JS reasonable; warn ≥650 KB / critical ≥750 KB uncompressed First Load). verify runs analyze after build.
     • Changelog, smoke, sitemap; health lib paths (src/lib/health*, /app/health/**) left untouched.

     Perf budget →Analytics →Route inventory →This wave →
175. Wave 26

     Waitlist CRM lite + nurture

     Unified waitlist CRM, CSV export, local status, nurture stubs

     • /internal/waitlist — unified employer / carrier / report waitlist view with source + status filters; CSV export; mark contacted / nurturing / won in localStorage (separate from parity_app_v1).
     • Nurture sequence stub — 3-step email subject/body templates per audience (employer, carrier, consumer report); copy-to-clipboard; schedule dates computed locally (+3 / +7 / +14 days) as a plan — no sending.
     • Wired from analytics + employers/carriers success states (+ report lead note).
     • Changelog, smoke, sitemap, footer, docs, tests; health lib paths (src/lib/health*, /app/health/**) left untouched.

     Waitlist CRM →Analytics →Employers →Carriers →This wave →
176. Wave 25

     Competitive moat scorecard

     Founder moat ratings, competitor teardown, JSON export

     • /internal/moat — interactive scorecard of compounding advantages (coverage graph, intent graph, trust, health transparency honesty, agent cohort, renewals) with 1–5 ratings + notes editable in localStorage. Defaults seeded from STRATEGY.md.
     • Competitor teardown — educational table vs typical aggregators / lead mills / carrier sites (archetypes only, fair, not defamatory) on the moat page and /internal/competitors.
     • Export scorecard JSON for founder notes; linked from analytics + docs; smoke + sitemap + tests for score helpers.
     • Health lib paths (src/lib/health*, /app/health/**) left untouched.

     Moat scorecard →Competitor teardown →Analytics →Docs · Strategy →This wave →
177. Wave 24

     Claims readiness

     Claims-ready checklists, home inventory stub, after-a-loss education

     • /app/claims-ready — educational checklist per policy type (photos, VIN/registration, inventory, agent contacts). Checkmarks persist in local store. Not claims filing.
     • Home inventory stub (name + value estimate) local-only; totals roll into dwelling/contents adequacy context educationally.
     • /learn/after-a-loss — calm first steps after a loss (safety, document, call carrier). Not legal advice.
     • Changelog, nav, footer, sitemap, smoke; health lib paths left untouched.

     Claims readiness →After a loss →Policies →This wave →
178. Wave 23

     Renewals & shopping calendar

     Renewal calendar, shop-window tasks, opt-in soft intents, ICS export

     • /app/renewals lists policies with renewal/expiration dates — optional expiresOn on policies (demo seeded) or derived from effectiveDate anniversary.
     • Suggested “shop 30–45 days before” tasks; mark done locally (persists in this browser).
     • Demand shaping opt-in: creating a renewal task can spawn an anonymized soft intent for agents (ZIP + line + window — no name/policy number).
     • Download .ics for next renewal shop reminders (calendar import).
     • Nav + footer + sitemap + smoke updated; health lib paths left untouched.

     Renewal calendar →Policies →Agent intent inbox →This wave →
179. Wave 22

     A11y smoke + i18n stub

     axe-core vitest smoke, English chrome dictionary, Español coming soon

     • npm run a11y:smoke runs axe-core over landmark/nav HTML fixtures and a few React chrome components (VerdictBadge, EmptyState) in happy-dom — no Playwright. Color-contrast disabled; not a full route crawl.
     • src/lib/i18n.ts English dictionary for common chrome/nav strings; optional locale in Settings (default en). es key reserved with empty dict — no fake translations.
     • Settings language card notes “Español coming soon”; nav chrome (site header, app nav, agent nav) reads labels through t().
     • Easy layout a11y polish: aria-current + focus rings on agent nav / marketing header; label↔input associations on Settings; footer focus rings.

     Language settings →Docs / a11y notes →This wave →
180. Wave 21

     Founder demo polish

     90-second timed demo script, demo-mode banner, print polish, npm run verify

     • /demo upgraded to a timed 90-second script with checkable steps that persist in localStorage; each stop deep-links with query hints (zip, metro, type, hint).
     • Demo mode banner when the seeded household is loaded — Reset + Export shortcuts from any page.
     • Print stylesheet improvements for /report, /agents/demand-report, and health annual care print sheets.
     • npm run verify runs test + build + smoke in sequence; documented in README and INSTALL.txt.

     Founder demo (90s) →Coverage Gap Report →Agent demand digest →Health hub →Docs →This wave →
181. Wave 20

     Cyber / identity + consolidation

     Cyber identity light line, route inventory, docs and footer polish

     • PolicyType cyber (identity): optional advisor identity/cyber concern; 3 demo quotes (Aura / Norton / trap); shop & compare filters; limit guidance on restoration + fraud expense.
     • Learn guide at /learn/cyber-identity — restoration vs monitoring, cheap-cap trap.
     • Founder route inventory at /internal/routes from scripts/routes-manifest.json (demo-internal).
     • Consolidation: changelog lists waves 17–20; footer docs / demo / start / learn / internal links current; smoke + sitemap updated.

     Shop (Cyber) →Cyber / identity guide →Route inventory →Needs advisor →Docs →Founder demo →Quick start →
182. Wave 19

     Home depth

     Replacement vs ACV education, deeper home/renters quotes, dwelling adequacy

     • Replacement cost vs ACV: /learn/replacement-vs-acv + shop/compare panels; ACV dwelling badge (demo flag acvDwelling) with exposure warning vs RC.
     • Home quotes deepen: 5+ home/renters quotes with varied AOP deductibles, wind/hail deductibles, and water backup riders — dropping water backup when current has it is a parity regression.
     • Dwelling adequacy: optional homeValue on Settings/Start; warn when dwelling limit is under ~80% of home value.

     Shop (Home) →Compare (Home) →Replacement vs ACV →Home value →Start · home value →
183. Wave 18

     Auto deepen + telematics education

     Full vs liability-only, deductible tradeoffs, UM adequacy, telematics privacy, garage ZIP warnings

     • Auto deepen: full-coverage vs liability-only education on Shop/Compare; deductible tradeoff explainer; liability-only trap quote in the marketplace.
     • Uninsured motorist adequacy flags on parity dimensions when UM is missing or thin vs BI.
     • Telematics: /learn/telematics guide + shop badge when a quote is telematics-discounted (demo flag) — honest privacy tradeoff.
     • Garage ZIP: optional garageZip on auto policies; warning when it differs from household ZIP (demo GEICO policy uses 75001 vs 75201).

     Shop (Auto) →Compare (Auto) →Telematics & privacy →Policies · garage ZIP →When to shop auto →
184. Wave 17

     Life deepen + bind checklist + agent templates

     Life needs calculator, persisted switch checklist, one-click agent quote templates

     • Life deepen: term vs whole education on Shop/Advisor (+ /learn/term-vs-whole-life); 7 marketplace life quotes spanning 10/15/20/30-year term and whole life.
     • Needs calculator (income × years − assets) with tests; exposure warning when death benefit sits below the educational target.
     • Bind/switch checklist progress persists in the store and surfaces on the shortlist for saved better_cheaper quotes.
     • Agent /agents/quotes: three one-click templates — competitive auto, home match, life term.

     Shop (Life) →Shortlist + checklist →Agent quote templates →Term vs whole →Needs advisor →
185. Wave 16

     Umbrella depth + household + audit

     Richer umbrella guidance, household sharing stub, local audit log

     • Umbrella marketplace: 5 demo quotes with liability-gap whyFits; advisor rationale ties to auto BI / home liability floors.
     • Compare highlights when an umbrella quote closes (or only partially closes) catastrophic exposure above primary lines.
     • Household sharing stub at /app/household — invite by email (local only), viewer/editor roles, surfaced in Settings.
     • Append-only audit log (load demo, export, import, request agent, submit quote) at /internal/audit.

     Compare (Umbrella) →Household sharing →Audit log →Needs advisor →
186. Wave 15

     Specialty P&C + docs

     Flood & earthquake light lines, in-app docs, keyboard shortcuts

     • Advisor asks flood-zone concern and seismic region — recommends NFIP-style flood and earthquake stacks with limit guidance.
     • Marketplace: 3 flood + 3 earthquake demo quotes (solid / mid / trap); shop & compare filters; agent quote submit fields.
     • Docs index at /docs — readable summaries of README themes, STRATEGY, GO_TO_MARKET, HEALTH_DATA, TRUST, and changelog.
     • Press ? in the consumer app for keyboard shortcuts (g d dashboard, g s shop, g h health, g c compare); /app/help fallback.

     Docs →Shop (Flood / EQ) →Needs advisor →Shortcuts help →
187. Wave 14

     Carrier appetite + compare polish

     Coverage appetite demo, smarter compare, local notification center

     • Carrier portal: educational coverage appetite form (lines, states, min premium) saved locally — shows how many demo/live intents would match.
     • Compare: pinned current-policy column, “hide worse quotes” toggle, and CSV export of parity dimensions.
     • Notification center at /app/notifications — intent created, quote bridged, cohort funnel events with mark-read and a bell badge in app nav.

     Carriers / appetite →Compare →Notifications →
188. Wave 13

     Business demand + personal use-now

     Small-business / BOP light, personal quick-start, sample policy PDFs

     • Advisor asks “Own a business?” — recommends a BOP-style stack with GL + business personal property floors.
     • Marketplace: Hartford / Hiscox / trap business quotes + Nationwide BOP; shop & compare filters; limit guidance.
     • Agent demand-gen: onboard lines, quote submit, and metro demand seeds include business / BOP.
     • Personal quick-start at /app/start — ZIP + household basics → advisor with prefilled answers (saved locally).
     • Sample auto/home PDFs under /samples/ with one-click mock parse on Policies.

     Quick start →Needs advisor →Shop (Business) →Policies / samples →
189. Wave 12

     Demo pack & metro parity

     Founder walkthrough, distributable demo, more metro seeds

     • Cohort hydrate seed bump is Strict Mode–safe (ref guard) so agentsCohorted does not double-count.
     • Seeded boards for Los Angeles 90012 and Atlanta 30303 (6 agents each) — aligned with health transparency metros.
     • Founder /demo walkthrough: ordered links + 60-second script (consumer → health → agent → demand → analytics).
     • Distributable archive with INSTALL.txt for npm install && npm run dev.

     Founder demo →Metro cohort →Analytics (demo) →
190. Wave 11

     Cohort portability

     Metro cohorts travel with your Parity data

     • Agent cohort plan + funnel board live in parity_app_v1 — Settings reset and export/import include them.
     • Lightweight seeded boards for NYC 10001 and Chicago 60611 (6 agents each) alongside Dallas 75201.
     • Funnel checkbox toggles append a small event log on founder analytics.

     Metro cohort →Analytics (demo) →Settings / export →
191. Wave 10

     Agent cohort GTM

     Recruit a metro of serious independents

     • Founder cohort tool: pick a metro, target 10–25 agents, lines of authority, and SLA→quote→shortlist metrics.
     • Outreach pack with copy-to-clipboard email/LinkedIn that pitches high-intent leads — not dialer spam.
     • Funnel board (Dallas 75201 seed of 12 fictional agents) feeds networkGraph for founder analytics.

     Metro cohort →Agent onboard →Analytics (demo) →
192. Wave 9

     Harden & consolidate

     Easier to demo, clearer to trust

     • Start-here guided tour on the landing page and in the app — five stops from advisor to agents.
     • This changelog, plus footer and header links so every surface stays discoverable.
     • Go-to-market narrative for founders: who we serve, how demand compounds, and why the moat holds.
     • Polish pass on copy and smoke-tested routes so demos don’t hit dead ends.

     Start here tour →Open app →
193. Wave 8

     Growth surfaces

     Employers, founders, and shareable compares

     • Employer benefits-gap calculator — see where plans leave households exposed.
     • Founder analytics (demo) for network health, waitlists, intents, and referrals.
     • Coverage Gap Report can capture optional email; compare share cards for quick snapshots.

     Employers →Analytics (demo) →Gap report →
194. Wave 7

     Agent trust

     Serious agents, protected consumers

     • Agent onboarding with license stub, lines, service ZIPs, and response SLAs.
     • Decline / expire intents and a consumer requests view — contact stays opt-in.
     • Bundle savings hints that still keep parity honest line by line.

     Agent onboard →Trust & compliance →Your requests →
195. Wave 6

     Marketplace loop

     Shortlists, referrals, and competing agents

     • Save quotes to a shortlist; see how many agents are competing in your ZIP (demo math).
     • Educational switch checklist after better-and-cheaper verdicts.
     • Referral invites and a printable agent demand digest.

     Shop →Shortlist →Demand report →
196. Wave 5

     Production polish

     Feels finished when you click around

     • Welcome strip on landing, focus traps on modals, hydrate skeletons, branded error pages.
     • Pet fields on agent quotes; smoke route manifest for demo confidence.

     Landing →
197. Wave 4

     Demand you can see

     Regional density + GTM clarity

     • Demand density map for metros and ZIPs — shaped intent, not cold-lead spam.
     • Pet insurance in advisor and shop; transparent pricing and about pages.
     • Mobile bottom nav so the workspace stays reachable on small screens.

     Demand →Pricing →About →
198. Wave 3

     Durable product value

     SEO, a11y, and your data traveling with you

     • Sitemap, robots, Open Graph, and structured data for discoverability.
     • Export / import Parity JSON; disability line; onboarding checklist; agent ratings.

     Learn →Settings / export →
199. Health transparency

     Ongoing

     Total cost, filed vs modeled — said out loud

     • Health hub models deductible, coinsurance, and OOP against light / moderate / heavy care years.
     • Facility price samples with explicit filed vs modeled labels across metros.
     • Drug and procedure search against sample transparency data — educational, not advice.

     Health hub →Deductible vs OOP →
200. Foundations

     Core promise

     Same or better coverage for less — without increasing exposure

     • Needs advisor → policy inventory → parity compare → shop or opt-in agent contact.
     • Verdicts that surface exposure regressions instead of burying them for placement fees.
     • Consumers free; agents and partners pay for shaped demand.

     Advisor →Compare →Agents →

Not insurance advice · Data stays in your browser · Trust & compliance