estimate wizard display dec for ggod better best packages

src/modules/estimateWizard/components/steps/RecommendationStep.jsx

@@ -9,16 +9,47 @@
  * The recommendation record is frozen into the session (spec §12 recommendations).
  */
 import React, { useEffect, useMemo, useState } from 'react';
-import { Sparkles, Loader2, Check, ShieldCheck } from 'lucide-react';
+import { Sparkles, Loader2, Check, ShieldCheck, Info } from 'lucide-react';
 import { useEstimateWizard } from '../../EstimateWizardContext';
 import { score } from '../../engine/scoringEngine';
 import { computeTenYearValue } from '../../engine/valueModel';
 import { generateExplanation } from '../../ai/explain';
+import { formatUSD } from '../../engine/pricing';
 import GoodBetterBestCards from '../GoodBetterBestCards';
 import TenYearValueChart from '../TenYearValueChart';
 
 const PKG_LABEL = { GOOD: 'Good', BETTER: 'Better', BEST: 'Best' };
 
+/**
+ * Deterministic, manufacturer-neutral description for a package the customer
+ * clicked that is NOT the recommended highlight. Built purely from the tenant
+ * config package fields (+ the value model for the savings line) — no AI call,
+ * so it's instant and always on-message. Mirrors the guardrailed tone of the
+ * recommendation copy ("illustrative", "confirm with your carrier").
+ */
+function describePackage(pkg, valueModel) {
+    const label = PKG_LABEL[pkg.type];
+    const row = valueModel?.rows?.find((r) => r.type === pkg.type);
+
+    const paragraph =
+        `The ${label} option — ${pkg.name} — is our "${(pkg.position || '').toLowerCase()}" choice` +
+        `${pkg.fit ? `. It tends to fit best when: ${pkg.fit}` : '.'}`;
+
+    const bullets = [];
+    if (pkg.warrantyLabel) bullets.push(pkg.warrantyLabel);
+    if (pkg.serviceLifeYears) bullets.push(`~${pkg.serviceLifeYears}-year expected service life`);
+    if (pkg.hailResistance) bullets.push(`${pkg.hailResistance} hail resistance`);
+    if (valueModel?.premiumKnown && row?.savings) {
+        bullets.push(
+            `Illustrative 10-yr insurance savings ${formatUSD(row.savings.low)}–${formatUSD(row.savings.high)} — confirm with your carrier`
+        );
+    } else if (pkg.insuranceDiscountPct > 0) {
+        bullets.push('May qualify for an insurance discount — confirm with your carrier');
+    }
+
+    return { paragraph, bullets };
+}
+
 const RecommendationStep = () => {
     const { inputs, session, patchSession, tenantConfig, logEvent } = useEstimateWizard();
 
@@ -69,50 +100,84 @@ const RecommendationStep = () => {
     }, []);
 
     const highlight = recommendation.selectedPackage;
+    const selectedType = session.selectedPackage || highlight;
+    const isRecommendedSelected = selectedType === highlight;
+    const selectedPkg = tenantConfig.packages.find((p) => p.type === selectedType);
+    const selectedDesc = !isRecommendedSelected && selectedPkg ? describePackage(selectedPkg, value) : null;
 
     return (
         <div className="space-y-5">
             <GoodBetterBestCards
                 packages={tenantConfig.packages}
                 pricing={tenantConfig.pricing}
-                selectedType={session.selectedPackage || highlight}
+                selectedType={selectedType}
                 highlightedType={highlight}
                 onSelect={(t) => { patchSession({ selectedPackage: t }); logEvent('package_selected', { package: t, after: 'recommendation' }); }}
             />
 
-            {/* AI explanation */}
-            <div className="rounded-2xl border border-amber-200 dark:border-amber-500/20 bg-amber-50/60 dark:bg-amber-500/5 p-4">
-                <div className="flex items-center gap-2 mb-2">
-                    <Sparkles size={16} className="text-amber-500" />
-                    <span className="font-semibold text-zinc-900 dark:text-white">
-                        Why we highlighted {PKG_LABEL[highlight]}
-                    </span>
-                    {explanation && (
-                        <span className="ml-auto text-[10px] font-semibold uppercase tracking-wide text-emerald-600 dark:text-emerald-400 inline-flex items-center gap-1">
-                            <ShieldCheck size={11} /> {explanation.aiUsed ? 'AI-assisted' : 'Reviewed'}
+            {/* Explanation — describes the RECOMMENDED package (AI-assisted) while it's
+                selected, and switches to a deterministic per-package description when the
+                customer clicks one of the other options. */}
+            {isRecommendedSelected ? (
+                <div className="rounded-2xl border border-amber-200 dark:border-amber-500/20 bg-amber-50/60 dark:bg-amber-500/5 p-4">
+                    <div className="flex items-center gap-2 mb-2">
+                        <Sparkles size={16} className="text-amber-500" />
+                        <span className="font-semibold text-zinc-900 dark:text-white">
+                            Why we highlighted {PKG_LABEL[highlight]}
                         </span>
+                        {explanation && (
+                            <span className="ml-auto text-[10px] font-semibold uppercase tracking-wide text-emerald-600 dark:text-emerald-400 inline-flex items-center gap-1">
+                                <ShieldCheck size={11} /> {explanation.aiUsed ? 'AI-assisted' : 'Reviewed'}
+                            </span>
+                        )}
+                    </div>
+
+                    {loadingAI && !explanation ? (
+                        <div className="flex items-center gap-2 text-sm text-zinc-500 dark:text-zinc-400 py-2">
+                            <Loader2 size={15} className="animate-spin" /> Preparing your explanation…
+                        </div>
+                    ) : (
+                        <>
+                            <p className="text-sm text-zinc-700 dark:text-zinc-200 leading-relaxed">
+                                {explanation?.customerExplanation}
+                            </p>
+                            <ul className="mt-3 space-y-1.5">
+                                {recommendation.reasons.map((r) => (
+                                    <li key={r} className="flex items-start gap-2 text-sm text-zinc-600 dark:text-zinc-300">
+                                        <Check size={14} className="text-amber-500 mt-0.5 shrink-0" /> {r}
+                                    </li>
+                                ))}
+                            </ul>
+                        </>
                     )}
                 </div>
-
-                {loadingAI && !explanation ? (
-                    <div className="flex items-center gap-2 text-sm text-zinc-500 dark:text-zinc-400 py-2">
-                        <Loader2 size={15} className="animate-spin" /> Preparing your explanation…
+            ) : (
+                <div className="rounded-2xl border border-zinc-200 dark:border-white/10 bg-white dark:bg-zinc-900 p-4">
+                    <div className="flex items-center gap-2 mb-2">
+                        <Info size={16} className="text-blue-500" />
+                        <span className="font-semibold text-zinc-900 dark:text-white">
+                            About the {PKG_LABEL[selectedType]} option
+                        </span>
+                        <span className="ml-auto text-[10px] font-semibold uppercase tracking-wide text-amber-600 dark:text-amber-400">
+                            {PKG_LABEL[highlight]} recommended
+                        </span>
                     </div>
-                ) : (
-                    <>
-                        <p className="text-sm text-zinc-700 dark:text-zinc-200 leading-relaxed">
-                            {explanation?.customerExplanation}
-                        </p>
-                        <ul className="mt-3 space-y-1.5">
-                            {recommendation.reasons.map((r) => (
-                                <li key={r} className="flex items-start gap-2 text-sm text-zinc-600 dark:text-zinc-300">
-                                    <Check size={14} className="text-amber-500 mt-0.5 shrink-0" /> {r}
-                                </li>
-                            ))}
-                        </ul>
-                    </>
-                )}
-            </div>
+
+                    <p className="text-sm text-zinc-700 dark:text-zinc-200 leading-relaxed">
+                        {selectedDesc.paragraph}
+                    </p>
+                    <ul className="mt-3 space-y-1.5">
+                        {selectedDesc.bullets.map((b) => (
+                            <li key={b} className="flex items-start gap-2 text-sm text-zinc-600 dark:text-zinc-300">
+                                <Check size={14} className="text-blue-500 mt-0.5 shrink-0" /> {b}
+                            </li>
+                        ))}
+                    </ul>
+                    <p className="mt-3 text-xs text-zinc-400">
+                        We still suggest {PKG_LABEL[highlight]} based on your answers — but every option stays available.
+                    </p>
+                </div>
+            )}
 
             <TenYearValueChart valueModel={value} />
 

src/modules/estimateWizard/components/steps/ReportStep.jsx

@@ -5,7 +5,7 @@
  * compliance record (spec §18 G1).
  */
 import React, { useEffect, useRef, useState } from 'react';
-import { Download, Printer, Mail, Share2, CalendarCheck, FileText, Loader2, Check } from 'lucide-react';
+import { Download, Printer, Mail, Share2, FileText, Loader2 } from 'lucide-react';
 import { useEstimateWizard } from '../../EstimateWizardContext';
 import { useMockStore } from '../../../../data/mockStore';
 import { buildReportModel, downloadReportPdf, getReportBlobUrl } from '../../utils/wizardReportExport';
@@ -33,7 +33,6 @@ const ReportStep = () => {
     const { addWizardLead } = useMockStore();
     const model = buildReportModel(session, tenantConfig);
     const [busy, setBusy] = useState(null);
-    const [booked, setBooked] = useState(!!session.report?.appointmentBooked);
     const firedRef = useRef(false);
 
     // Fire CRM + nurture handoff once (spec §13 / §17 E2). The ref guard prevents a
@@ -99,12 +98,6 @@ const ReportStep = () => {
         } catch { /* user cancelled */ }
     };
 
-    const handleBook = () => {
-        setBooked(true);
-        patchSession({ report: { ...session.report, appointmentBooked: true, bookedAt: new Date().toISOString() } });
-        logEvent('appointment_booked', { reportId: model.reportId });
-    };
-
     return (
         <div className="space-y-4">
             {/* Report summary card */}
@@ -132,18 +125,6 @@ const ReportStep = () => {
                 <ActionButton icon={Mail} label="Email" onClick={handleEmail} />
                 <ActionButton icon={Share2} label="Share" onClick={handleShare} />
             </div>
-
-            {/* Next step CTA */}
-            {booked ? (
-                <div className="rounded-2xl border border-emerald-200 dark:border-emerald-500/20 bg-emerald-50 dark:bg-emerald-500/10 p-4 flex items-center gap-3">
-                    <Check size={20} className="text-emerald-500" />
-                    <div className="text-sm text-emerald-700 dark:text-emerald-300">
-                        Inspection requested — your rep will reach out via {session.inputs.contactMethod}. Thank you!
-                    </div>
-                </div>
-            ) : (
-                <ActionButton icon={CalendarCheck} label="Book my free inspection" onClick={handleBook} primary />
-            )}
         </div>
     );
 };

src/modules/estimateWizard/engine/hailProbability.js

@@ -55,6 +55,15 @@ export function computeHailRisk(input) {
     const p10Low = prob(lambdaLow, 10);
     const p10High = prob(lambdaHigh, 10);
 
+    // Never present a 100% historical probability — that reads as a certainty/guarantee,
+    // which this model explicitly is not (spec §6). High-activity areas push p10High to
+    // ~1.0, so cap the DISPLAYED band just under certainty. Underlying p10* values still
+    // drive the exposure tier and scoring unchanged.
+    const MAX_DISPLAY_PROB = 0.95;
+    const dispLow = Math.min(p10Low, MAX_DISPLAY_PROB);
+    const dispBase = Math.min(p10Base, MAX_DISPLAY_PROB);
+    const dispHigh = Math.min(p10High, MAX_DISPLAY_PROB);
+
     // Confidence score (0..1): sample size + window length + geocode precision.
     const sampleScore = clamp(count / 8, 0, 1);          // ~8+ events → strong
     const windowScore = clamp(years / 10, 0, 1);         // 10y window → full
@@ -74,7 +83,7 @@ export function computeHailRisk(input) {
         annualRate: +lambda.toFixed(3),
         maxHailInches,
         lastEventDate,
-        probability10yr: { low: pct(p10Low), base: pct(p10Base), high: pct(p10High) },
+        probability10yr: { low: pct(dispLow), base: pct(dispBase), high: pct(dispHigh) },
         confidence: confidenceLabel,
         confidenceValue,
         exposureTier,
@@ -87,7 +96,7 @@ export function computeHailRisk(input) {
                 : `This area has averaged about ${lambda.toFixed(1)} observed hail event(s) per year in the available dataset.`,
             probability: count === 0
                 ? 'There is not enough historical hail activity nearby to estimate a meaningful probability.'
-                : `Based on historical reports, the chance of at least one hail event in the next 10 years is estimated at ${pct(p10Low)}–${pct(p10High)}%, assuming future patterns resemble the past.`,
+                : `Based on historical reports, the chance of at least one hail event in the next 10 years is estimated at ${pct(dispLow)}–${pct(dispHigh)}%, assuming future patterns resemble the past.`,
             confidence: `Confidence: ${confidenceLabel}. This is based on county-level and nearby reports within ~${radiusMiles} miles, not a roof-specific inspection.`,
             lastUpdated: `Storm data reflects reports through ${new Date(generatedAt).toLocaleDateString()}.`,
         },