Documentation
Docs — readable in-app
Summaries of README themes, STRATEGY, GO_TO_MARKET, HEALTH_DATA, TRUST, and the product changelog. You do not need to open markdown files in the repo to understand the product.
Wave 726 · Docs hub ladder deepen · SAMPLE
5 rungs
SAMPLE Docs hub ladder deepen · 5 rungs · Wave 726
SAMPLE deepen — hub · nav · api · search · deeper ladder on /docs.
Wave 726 · Docs hub ladder deepen on /docs (≠ docsNavDeepen).
Rungs
5
≠ docsNavDeepen
Kinds
5
Ladder variety
Wave
726
Post-v32.50 deepen
- Rung 1hubHub · SAMPLE
SAMPLE hub ladder stub.
- Rung 2navNav · SAMPLE
SAMPLE nav ladder stub.
- Rung 3apiApi · SAMPLE
SAMPLE api ladder stub.
- Rung 4searchSearch · SAMPLE
SAMPLE search ladder stub.
- Rung 5deeperDeeper · SAMPLE
SAMPLE deeper ladder stub.
SAMPLE Docs hub ladder deepen — ladder on /docs. Distinct from related packs (docsNavDeepen). Not live payments, production CRM, claims filing, or licensed advice.
Wave 912 · Docs page hub ladder · SAMPLE
5 rungs
SAMPLE Docs page hub ladder deepen · 5 rungs · Wave 912
SAMPLE deepen — hub · assess · share · tradeoff · deeper ladder on /docs.
Wave 912 · Docs page hub ladder deepen on /docs (≠ docsHubLadderDeepen / docsNavDeepen).
Rungs
5
≠ docsHubLadderDeepen
Kinds
5
Ladder variety
Wave
912
Package 42.0.0 tip
- Rung 1hubHub · SAMPLE
SAMPLE hub ladder stub.
- Rung 2assessAssess · SAMPLE
SAMPLE assess ladder stub.
- Rung 3shareShare · SAMPLE
SAMPLE share ladder stub.
- Rung 4tradeoffTradeoff · SAMPLE
SAMPLE tradeoff ladder stub.
- Rung 5deeperDeeper · SAMPLE
SAMPLE deeper ladder stub.
SAMPLE Docs page hub ladder deepen — ladder on /docs. Distinct from related packs (docsHubLadderDeepen / docsNavDeepen). Not live payments, production CRM, claims filing, or licensed advice.
Wave 481 · Docs hub · SAMPLE
6 sections
SAMPLE docs hub deepen · 6 sections
SAMPLE deepen — README · strategy · GTM · health-data · trust · changelog ladder on /docs.
Wave 481 · 6-rung reading ladder on /docs (≠ docsSearch / learn hub). Educational demo only.
Sections
6
in-app reading ladder
Search
/search
docsSearch index
Learn hub
/learn
seed guides
SAMPLE docs hub deepen — section metrics, reading ladder, and product CTAs on /docs. Distinct from docsSearch / learnHubDeepen. Not a CMS, binder, underwriting guide, or production knowledge base.
Wave 555 · Docs API · SAMPLE · 24.1.0
4 surfaces
SAMPLE docs API · 4 surfaces · 24.1.0
SAMPLE deepen — OpenAPI · webhooks · examples · trust ladder on /docs.
Wave 555 · API / OpenAPI / webhook reading ladder on /docs (≠ docsHubDeepen). Package tip 24.1.0.
API surfaces
4
≠ docsHubDeepen
Package
24.1.0
tip 24.1.0
Wave
555
post-v24.00
- Rung 1OpenAPI stub · SAMPLE
Machine-readable future quotes / intents surface — honesty-labeled.
/api/v1/openapi.json - Rung 2Webhook catalog · SAMPLE
Partner event names + sample JSON deliver stubs.
/developers/webhooks - Rung 3API examples · SAMPLE
Curl / fetch examples deepen on /developers (≠ docs hub).
/developers#api-examples - Rung 4Trust + security · SAMPLE
Cross-link trust center + security controls for integrators.
/trust
SAMPLE docs API deepen — API / OpenAPI / webhook reading ladder on /docs. Distinct from docsHubDeepen section hub. Links /developers. Not live partner credentials, production APIs, or a CMS. Package tip 24.1.0.
README themes
Product
Parity is a multi-sided insurance marketplace demo: consumers inventory and compare coverage with exposure-aware parity scoring; agents receive quality-scored intent; carriers and employers get early-access demand surfaces. Client-first, localStorage persistence, seeded Dallas dual-income household — no real backend auth.
- Promise: same or better coverage for less — without increasing exposure.
- Engines: parityEngine, recommendationEngine, healthCostShare, intentScorer, demandDensity, coverageGraph, and marketplace helpers (competition, referral, switch checklist, bundle savings).
- Run: npm install && npm run dev · tests via vitest · smoke via scripts/routes-manifest.json.
- PRODUCT_STATUS.md — executive snapshot (surfaces, demo limits, moat, Origin/MRF/auth/licensed-agent milestones).
- Specialty P&C lines include disability, pet, business/BOP, flood, earthquake, and cyber/identity alongside core home/auto/life/umbrella/health.
Strategy
STRATEGY
Coverage comparison is broken when households shop on premium alone. Health is opacity-as-a-product. Lead markets are adversarial. Parity’s moat is compounding graphs: normalized coverage, longitudinal intent, agent trust, and regional demand density — not paid acquisition alone.
- Problem set: silent exposure increases, switching fear, spammy leads, opaque carrier demand.
- Multi-sided model: free consumers; agent seats/workflow; partner early-access demand.
- Wedge: advisor → inventory → parity compare → shop with honest verdicts → opt-in agent contact.
- Late capital can buy traffic; it cannot instantly recreate coverage + intent + trust graphs.
- Founder tool: /internal/moat rates compounding advantages 1–5 (local); /internal/competitors compares archetypal aggregators / lead mills / carrier sites.
Go to market
GO_TO_MARKET
Beachhead: dual-income households in competitive P&C metros (DFW demo) plus independent agents tired of cold-lead auctions. Funnel is education → advisor → inventory → parity → shop/shortlist → opt-in intent — demand shaping, not dialers.
- ICP: household decision-makers; boutique agents; employers & carriers (early access).
- Agent recruitment: metro cohorts, outreach packs, SLA → quote → shortlist metrics.
- Health wedge: total-cost education and filed-vs-modeled honesty as distribution fuel.
- Monetization aligned with trust: no burying exposure for placement fees.
Health data honesty
HEALTH_DATA
Facility prices and plan cost-share samples are educational — not insurance advice, live quotes, or EOBs. Every facility price point carries explicit provenance: filed (CMS-like illustrative charges) or modeled (estimates / cost-share math).
- UI must badge Filed vs Modeled; never present numbers as live hospital rates or guarantees.
- Bundled CMS MRF sample loader reads in-repo fixtures only — not a live hospital crawl.
- Seven metro ZIP scopes ship in the demo; favorites and annual care scenarios stay local.
- Canonical methodology string lives in healthTransparency (see /app/health).
Trust & compliance
TRUST
Parity does not sell or bind insurance. Leads are opt-in only; agents see anonymized intent until contact is accepted. Demo data stays in the browser. Confidence labels (parsed / estimated / manual) keep inventory honest before parity scores are trusted. Privacy center + security posture pages document the local-first contract and HTTP headers.
- Parity scoring compares limits dimension-by-dimension — cheaper with thinner BI is labeled worse.
- Marketplace quotes in this build are illustrative, not live carrier binds.
- Decline / expire intents; consumer protections on /trust#how-leads-work and /app/requests.
- Export/import Parity JSON supports portability without lock-in theater.
- /privacy inventories localStorage-only v1; /app/privacy exports/deletes parity_* keys; /security + SECURITY.md + /internal/security document CSP/headers; /accessibility states a11y posture + /contact for barriers; /sitemap-page is the human HTML directory (internal labeled); /search filters curated titles/descriptions client-side.
Changelog
Waves
Product waves ship in plain language on /changelog — from harden/consolidate through marketplace extras, specialty lines, and cyber/identity.
- Wave 116: Launch readiness — /internal/launch checklist (LAUNCH.md + GROWTH.md) localStorage checkmarks; moat/revenue links; package 1.6.0.
- Wave 115: Embed & affiliate — deepen /embed/gap + ?ref= into growthEngine; preview /partners/embed.
- Wave 114: Partner API surface — /partners/api auth key + rate limits + intent/quote/referral samples; webhooks → growth; partnerApi.
- Wave 113: NPS / feedback loop — widget on /app + /agents; scores feed trustSocial / moat; founder CSV; feedbackLoop; package 1.5.0.
- Wave 195: v5.50 milestone freeze — RELEASE_NOTES_v5.50.md; release:check === 195; dual tarball + package 5.5.0 (older freezes kept).
- Wave 194: /carriers/join public carrier invite stub — waitlist source=carriers; carrierJoin lib.
- Wave 193: Saved marketplace searches — localStorage + new-match alert stub on /marketplace/search; marketplaceSavedSearches.
- Wave 192: /marketplace/search — filter RFPs + intents by line + ZIP; marketplaceSearch lib.
- Wave 112: Monetization path — soft paywall + billingStub (free/pro/partner); /pricing CTAs → /agents/join + /partners; founder /internal/revenue funnel.
- Wave 111: Retention digests — /app/digest churn-risk nudge + open-rates stub → moat/liquidity signal; retentionDigest lib.
- Wave 110: Liquidity pulse — /internal/liquidity open intents × filled quotes × TTQ × agent density; liquidityPulse; package 1.4.0.
- Wave 107: SEO & share — seoMeta OG/Twitter defaults, sitemap completeness (/growth, /agents/join, /pricing), /internal/moat noindex, growth invite share copy; package 1.3.0.
- Wave 106: Trust & social proof stubs — trust strip, testimonials, security badges, legal/privacy links, agent trust chips from moat loops; trustSocial lib.
- Wave 105: Pricing & conversion — /pricing consumer vs agent vs partner tiers + FAQ; homepage hero CTA path demo → growth waitlist; pricingTiers lib.
- Wave 104: /agents/join public agent signup stub — pipeline seed, earnings teaser, agent referral codes; agentJoin lib (demo localStorage).
- Wave 103: Onboarding conversion — first-run checklist + progress bar on home/advisor; empty-state CTAs inventory → compare → shortlist; completion % compounds into moat pulse; onboardingConversion lib.
- Wave 102: /growth growth engine — waitlist capture, referral invite codes, shareable parity-score card, UTM attribution store; wired to demand/referral compounder; growthEngine lib.
- Wave 101: Compounding moat loops — coverage edges (inventory/compare/shop/advisor), intent quality (quote/SLA/bind-ready → scores + trust), referral compounder + referral.attributed webhook stub, founder moat pulse on /internal/moat (this week vs last + markdown export), network effects chip; moatLoops lib (demo localStorage).
- Wave 100: v1.00 demo milestone freeze — RELEASE_NOTES_v1.00.md (waves 91–100 on v0.90), npm run release:check (wave count === 100), dual tarball v1.00 (v0.50 / v0.60 / v0.70 / v0.80 / v0.90 kept); /internal/release highlight; first 1.x; LAUNCH.md.
- Wave 99: Teen / new driver onboarding guide — /app/teen-driver checklist (add to policy, good-student discount, telematics, liability limits, umbrella bump), illustrative premium impact stub, CTAs to shop/telematics/umbrella/advisor; teenDriverGuide lib (demo educational only).
- Wave 98: Move / relocation coverage checklist — /app/move timeline tasks (notify carriers, update address, renters↔home switch, auto garaging, lender letter, flood check); progress in localStorage; CTAs to policies/renewals/housing/flood/lender-letter/shop; moveChecklist lib (demo educational only).
- Wave 97: Jewelry / valuables schedule stub — /app/valuables add items (description, category, value), compare to typical HO sublimits, recommend schedule vs blanket; localStorage; CTAs to shop/advisor/policies/brief; valuablesSchedule lib (demo educational only).
- Wave 96: Cyber / identity theft coverage guide — /app/cyber home riders vs standalone (fraud reimbursement, ransomware, social engineering), common-gap checklist, CTAs to shop/advisor/umbrella/brief; cyberIdentityGuide lib (demo educational only).
- Wave 95: Pet insurance explainer + gap stub — /app/pet accident-only vs accident+illness, waiting periods, exclusions, illustrative annual cost vs vet bill scenarios; optional add-pet localStorage stub; CTAs to shop/advisor/brief; petInsuranceExplainer lib (not health MRF).
- Wave 94: Auto telematics / UBI tradeoff — /app/telematics privacy vs discount slider + privacy-first/balanced/discount-seeker presets, illustrative savings range, typical shared-data categories; CTAs to shop/advisor/deductibles; telematicsTradeoff lib.
- Wave 93: Renters vs condo (HO-6) decision guide — /app/housing (+ /learn/renters-condo) side-by-side personal property, liability, loss assessment, building; lease/HOA checklist; CTAs to shop/advisor/policies; rentersCondoGuide lib.
- Wave 92: Life insurance needs / gap calculator — /app/life income replacement years, debts, education, existing coverage → recommended face + gap; CTAs to shop/advisor/brief; lifeNeeds gap calculator.
- Wave 91: Flood / CAT risk explainer — /app/flood demo ZIP→zone stub, NFIP vs private flood education, home policy water exclusions callout, checklist + CTAs to shop/advisor/exposure/brief; floodRiskExplainer lib.
- Wave 90: v0.90 demo milestone freeze — RELEASE_NOTES_v0.90.md (waves 81–90 on v0.80), npm run release:check (wave count === 90), dual tarball v0.90 (v0.50 / v0.60 / v0.70 / v0.80 kept); /internal/release highlight.
- Wave 89: Umbrella needs calculator — /app/umbrella net worth + auto/home liability + risk toggles (teen drivers, pool, rental); illustrative recommended limit + gap vs current; CTAs to shop/advisor/brief/exposure; umbrellaNeeds lib.
- Wave 88: Marketplace RFP / bid board — /marketplace/rfp (alias /rfp) employers/consumers post coverage needs; agents/carriers respond with stub quote interest in localStorage; seeded demo RFPs; linked from employers/carriers/agents/demand; marketplaceRfp lib.
- Wave 87: Deductible scenario explorer — /app/deductibles auto/home slider + cash-thin/balanced/cash-cushion presets showing illustrative premium tradeoff vs out-of-pocket on a sample claim; CTAs from shop/compare/advisor/brief; deductibleScenarios lib.
- Wave 86: Agent activity digest — /agents/digest weekly pipeline moves, open quotes, SLA risks, new intents from localStorage/seed as printable/email-draft markdown + copy CTA; hub/inbox/pipeline/performance links; agentActivityDigest lib.
- Wave 85: Lender coverage letter — /app/lender-letter fillable proof-of-insurance stub (lender name, loan #, property address); markdown + text from home/renters policies; demo-only disclaimer; CTAs from policies/vault/renewals/docs; lenderLetter lib.
- Wave 84: Carrier SLA / responsiveness scorecard — /carriers/sla demo quote turnaround, bind time, endorsement lag, NPS-ish trust; table + rank + line filter; carrierSla lib.
- Wave 83: Bind readiness checklist — /app/bind-ready + /agents/bind-ready (docs/ID, payment, prior-carrier loss runs, e-sign, agent subjectivities); progress in localStorage; CTAs from quotes/pipeline/compare; distinct from claims-ready; bindReady lib.
- Wave 82: Partner webhook events — catalog of demo types (waitlist.signup, referral.attributed, quote.requested, …), sample payloads, /developers/webhooks + /partners/webhooks with copyable JSON + deliver-to-URL localStorage no-op; webhookEvents lib.
- Wave 81: Spouse / share household invite — generate shareable link/code + copy CTA; /app/join accept as co-viewer of policies/advisor (localStorage); CTAs from household/settings/brief; householdInvite lib.
- Wave 80: v0.80 demo milestone freeze — RELEASE_NOTES_v0.80.md (waves 71–80 on v0.70), npm run release:check (wave count === 80), dual tarball v0.80 (v0.50 / v0.60 / v0.70 kept); /internal/release highlight.
- Wave 79: Agent pipeline / deal kanban — /agents/pipeline columns New→Contacted→Quoting→Quoted→Bound; cards from inbox intents, quotes, and CRM; drag-or-click stage moves in localStorage; agentPipeline lib.
- Wave 78: Household coverage brief — /app/brief printable/downloadable one-pager (markdown + HTML + text) of policies, gaps, and same-or-better-for-less snapshot; CTAs from advisor/report/policies; householdBrief lib.
- Wave 77: Carrier quote request pack — /agents/quote-pack household/risk summary + requested lines → markdown/JSON/PDF-stub for carrier underwriters; CTAs from quotes/inbox/carriers; carrierQuoteRequestPack lib.
- Wave 76: Consumer renewal calendar export — /app/renewals downloadable .ics (shop windows + expirations) + Google/Outlook add-to-calendar; policies CTA; renewalCalendarExport lib.
- Wave 75: Agent commission / earnings estimator — /agents/earnings premium × rate by line, new vs renewal mix, scenario volume slider (illustrative stub); wired into agent nav/palette/smoke.
- Wave 74: Embeddable gap widget — /embed/gap minimal coverage-gap teaser + CTA to /report and /app/advisor; iframe snippet on /partners and /developers; frameable only under /embed/*.
- Wave 73: Partner portal stub — public /partners affiliate/referral value prop + link to /internal/partners codes; interest waitlist source partners.
- Wave 72: Employer census stub — /employers CSV paste/upload age bands + ZIP counts → educational benefits gap summary (extends calculator); local store; NOT advice label.
- Wave 71: Carrier appetite match board — /carriers/matches ranked intents vs saved appetite with hard-gate + fit-score reasons (educational demo).
- Wave 70: v0.70 milestone freeze — RELEASE_NOTES_v0.70.md (waves 61–70 on v0.60), npm run release:check (wave count === 70), dual tarball v0.70 (v0.50 and v0.60 kept); /internal/release highlight.
- Wave 69: ACORD-ish JSON import stub — /app/policies paste simplified ACORD-like policy JSON (documented schema) → Policy; sample downloadable; NOT real ACORD label.
- Wave 68: Household score history — /app/score-history snapshots coverage score + exposure summary into local history on demo load or policy change; chart/list.
- Wave 67: Rate change alerts stub — /app/alerts local rules (45 days before renewal; better_cheaper ≥ $X/year); list active; demo evaluation against current state (no push).
- Wave 66: Document vault labels — /app/policies tag each policy with local labels (declarations, endorsement, ID card, binder); filter by label; empty-state tip.
- Wave 65: Policy Q&A stub — /app/ask local keyword router answers deductibles/UM/etc. from glossary + household policy snippets with citations (from your HO policy / glossary); not advice; no LLM.
- Wave 64: Advisor explainability — /app/advisor each recommended line expands with structured Because you said… mapping from answers → rationale (beyond why) plus suggested next action (upload policy / shop / learn).
- Wave 63: Shop smart filter presets — /app/shop one-click Better & cheaper only, No exposure increase, Bundles, Telematics OK, Hide traps (compose parity verdicts + trap/bundle/telematics flags).
- Wave 62: Exposure heat map — /app/exposure grid of coverage lines colored covered/thin/missing/n/a vs advisor recommendations; methodology + advisor/shop CTAs.
- Wave 61: Decision journal — /app/journal log why kept/switched a policy (free text + optional quote id + date); list entries; export JSON; compounds trust/learning locally.
- Wave 60: v0.60 milestone freeze — RELEASE_NOTES_v0.60.md (waves 51–60 on v0.50), npm run release:check (wave count === 60), dual tarball v0.60 (v0.50 kept); /internal/release highlight.
- Wave 59: Policy timeline — /app/timeline visual timeline of household policies by effective/expiry dates with renewals shop-window markers; empty state.
- Wave 58: Coverage glossary — /learn/glossary A–Z plain-English terms (deductible, ACV, UM, OOP max, binder, endorsement) with links into learn/app pages.
- Wave 57: Quote diff narrative — shop/compare plain-language What changes paragraph from parity engine regressions/improvements (not just badges).
- Wave 56: Agent trust leaderboard — /agents/leaderboard ranks demo/cohort agents by composite of ratings, SLA hit rate, and response (local/demo math) with methodology; linked from agents hub.
- Wave 55: Compare share card — /app/compare Download share card generates branded SVG/PNG summarizing best better_cheaper verdict + savings with honest demo watermark.
- Wave 54: Weekly digest draft — /app/digest household snapshot (policies, renewals due, savings total, open requests, shortlist) as copy-to-clipboard email body; no send.
- Wave 53: Consumer savings ledger — /app/savings local estimated annual savings from better_cheaper shortlists + completed switch checklists; dashboard cumulative widget.
- Wave 52: Quote SLA timer UI — agent inbox countdown/elapsed vs committed SLA (profile or 4h demo); on-track / at-risk / breached; logged SLA events when present.
- Wave 51: /agents/crm Agent CRM lite — cohort agents + onboarded profile; prospect/active/paused, notes, last touch; filter by metro; light cohort board tie-in.
- Wave 50: v0.50 demo milestone freeze — RELEASE_NOTES_v0.50.md, npm run release:check (verify + wave count === 50), dual tarball; /internal/release highlight.
- Wave 49: /search client-side docs search over curated titles/descriptions (HTML sitemap + learn + key internal); filter as you type; no server.
- Wave 48: /sitemap-page (alias /site-map) human-readable grouped link directory; internal routes labeled clearly.
- Wave 47: /accessibility WCAG-oriented statement (landmarks, focus, axe smoke; known limits; contact /contact).
- Wave 46: /terms demo-product terms; /cookies localStorage/SW + no ad trackers; one-time cookie preference stub banner.
- Wave 45: /contact form → local support inbox; /internal/support list + canned reply macros (clipboard) + mark resolved.
- Wave 44: /careers — culture blurb, illustrative product/eng/design/ops roles (not hiring yet), interest → waitlist source careers.
- Wave 43: /press kit — boilerplate, short/long bios, fact sheet, SVG logo downloads, brand contact placeholder, one-pager link.
- Wave 42: /investors calm FAQ + /internal/dataroom local reviewed checklist (not a real VDR).
- Wave 41: /brand kit (logo, colors, type, voice, do/don’t) + printable /brand/one-pager pitch.
- Wave 40: WAVE_INDEX.md + /internal/release — waves 1–40 one-liners, verify commands, tarball path note (milestone).
- Wave 39: /internal/gallery visual inventory of UI primitives (buttons, badges/verdicts, empty states, cards, inputs) with brand notes — no Storybook.
- Wave 38: web app manifest + icons; optional shell-only SW → /offline (no insurance data sync); PWA.md.
- Wave 37: light / dark / system theme toggle (header + settings); parity_theme_v1; class=dark on html; warm navy dark surfaces.
- Wave 36: global Cmd/Ctrl-K command palette (fuzzy title filter) — jump to dashboard, policies, compare, shop, health, renewals, agents, demand, analytics, scenarios, flags, demo, docs, status.
- Wave 35: /internal/funnel local onboarding funnel (land → demo|advisor → policy → compare → shop → request agent) with bar viz + reset.
- Wave 34: /internal/scenarios founder packs (urban renter, coastal flood, family life gap, SMB) — deterministic household + policies + advisor answers.
- Wave 33: /internal/flags local feature flags (shortlistV2, renewalsIcs, npsWidget, partnerCodes) + sticky A/B landing hero CTA experiment stub. Wave 178 deepens growth toggles; Wave 179 logs A/B to analytics; Wave 177 adds /internal/integrations/billing Stripe Pro seat stub; Wave 180 = v4.50 freeze.
- Wave 32: in-app NPS widget + /internal/feedback (classic NPS, CSV); local only.
- Wave 31: /internal/partners referral codes (name/code/channel); /?ref= + /report?ref= → networkGraph + waitlist metadata; attribution CSV.
- Wave 30: PRODUCT_STATUS.md; /api/v1 OpenAPI stub + roadmap; /developers partner landing.
- Wave 29: /status public board (always-green demo components + last-checked); /internal/incidents create/resolve stub.
- Wave 156: SECURITY.md + /internal/security headers checklist (Vercel/Next); next.config safe defaults kept.
- Wave 157–159: copyCatalog (/internal/copy) + structuredData JSON-LD + /learn seed articles (parity promise, compare, agent network); package 3.3.0.
- Wave 155: consent banner preference localStorage (essential|all); links privacy/cookies/app privacy.
- Wave 154: /app/privacy household JSON export stub + delete parity_* keys with confirm.
- Wave 28: next.config security headers; /privacy center; /security posture (CSP tradeoffs documented).
- Wave 27: npm run analyze + /internal/perf First Load JS table; PERF.md soft budgets; dynamic-import heavy client panels.
- Wave 26: /internal/waitlist CRM lite (source filters, CSV, contacted/nurturing/won local) + 3-step nurture stubs (+3/+7/+14, copy-only).
- Wave 25: /internal/moat competitive moat scorecard (STRATEGY defaults, local 1–5 + notes, JSON export) + /internal/competitors teardown.
- Wave 24: /app/claims-ready checklists + inventory stub; /learn/after-a-loss calm first steps (not filing/legal advice).
- Wave 23: /app/renewals calendar (expiresOn / anniversary), shop 30–45d tasks + local done, opt-in soft intents, ICS export.
- Wave 22: axe-core a11y:smoke (happy-dom, no Playwright); i18n en chrome stub + Settings locale; Español coming soon (no fake es).
- Wave 21: 90s timed /demo script with persisted checks + query hints; demo-mode banner (Reset/Export); print polish; npm run verify.
- Wave 20: cyber/identity light line + /learn/cyber-identity; /internal/routes inventory; footer/docs consolidation.
- Wave 19: home depth — replacement vs ACV education + ACV badge, water backup parity regression, dwelling adequacy vs homeValue.
- Wave 18: auto deepen (full vs liability-only, deductible tradeoff, UM adequacy), telematics education + shop badge, garage ZIP mismatch warning.
- Wave 17: life needs calculator + term/whole education, persisted bind/switch checklist, agent quote templates.
- Wave 16: umbrella liability-gap depth, /app/household sharing stub, /internal/audit log.
- Wave 15: flood + earthquake light lines, /docs index, keyboard shortcuts in the app shell.
- Recent: carrier appetite demo, compare polish, notifications; business/BOP + quick-start; demo pack metros.
- Smoke routes and sitemap stay in sync with public surfaces.
Educational demo — not insurance advice. Source markdown remains in the repo for founders; this page is the in-product reading surface.