import React, { useState, useEffect } from 'react'; // Buyer Path v0.3: versioned pre-screen -> priced paths -> diagnostic findings -> navigator review. // The standalone page is the canonical release. It embeds this exact source and its SHA-256. export const VERSION = '0.4'; const SOURCE_DATE = 'September 19, 2026'; export const SOURCES = { fha: 'https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf', fhaCalculation: 'https://www.hud.gov/hud-partners/housing-premium-calculation', fhaLimits: 'https://entp.hud.gov/idapp/html/hicostlook.cfm', programs: 'https://www.ihdamortgage.org/homebuyers', limits: 'https://www.ihdamortgage.org/limits', limitsPDF: 'https://www.ihdamortgage.org/_files/ugd/62f289_50ffad17b3374c8184842c02389203d7.pdf', factSheets: 'https://www.ihdamortgage.org/_files/ugd/28acfb_abfea47824714dbd972cd5e092692bab.pdf', estimates: 'https://www.consumerfinance.gov/owning-a-home/loan-estimate/', mi: 'https://www.mgic.com/-/media/mi/rates/rate-cards/71-61286-rate-card-cu-bpmi-monthly_archive.pdf?v=1', miCurrent: 'https://www.mgic.com/rates' }; export const PROGRAMS = [ { id: 'forgivable', name: 'IHDAccess Forgivable', short: 'Forgivable', pct: .04, cap: 6000, kind: 'forgiven', tag: 'Forgiveness over time', terms: 'No monthly assistance payment. Forgiven monthly over 10 years; sale or refinance can require the remaining balance to be repaid.' }, { id: 'deferred', name: 'IHDAccess Deferred', short: 'Deferred', pct: .05, cap: 7500, kind: 'deferred', tag: 'Pay back later', terms: 'No monthly assistance payment. Repayment is deferred; confirm sale, refinance, payoff, and maturity triggers in the note.' }, { id: 'repayable', name: 'IHDAccess Repayable', short: 'Repayable', pct: .10, cap: 10000, kind: 'repayable', tag: 'Monthly repayment', terms: 'Zero-interest assistance repaid monthly over 10 years. The comparison includes this second-lien payment.' }, { id: 'accesshome', name: 'IHDAccess Home', short: 'Access Home', pct: .06, cap: 15000, kind: 'deferred', tag: 'Separate income & price limits', terms: 'Repay at sale, refinance, or 30 years; no monthly assistance payment. First-time, veteran, or targeted-area conditions apply to borrowers and spouses.' }, ]; // Official PDF pp.1-2, effective July 1, 2026. Membership lists are explicit: no unknown-county fallback. const split = s => s.split('|'); const NT_GROUPS = [ [split('Cook|DuPage|Kane|Lake|McHenry|Will'),170100,121500,139725], [split('Grundy|McLean'),166320,118800,136620], [split('Calhoun|Clinton|Jersey|Madison|Monroe|St. Clair'),158900,113500,130525], [split('Menard|Sangamon'),160860,114900,132135], [['Kendall'],190120,135800,156170], [split('Adams|Alexander|Bond|Boone|Brown|Bureau|Carroll|Cass|Champaign|Christian|Clark|Clay|Coles|Crawford|Cumberland|De Witt|DeKalb|Douglas|Edgar|Edwards|Effingham|Fayette|Ford|Franklin|Fulton|Gallatin|Greene|Hamilton|Hancock|Hardin|Henderson|Henry|Iroquois|Jackson|Jasper|Jefferson|Jo Daviess|Johnson|Kankakee|Knox|LaSalle|Lawrence|Lee|Livingston|Logan|Macon|Macoupin|Marion|Marshall|Mason|Massac|McDonough|Mercer|Montgomery|Morgan|Moultrie|Ogle|Peoria|Perry|Piatt|Pike|Pope|Pulaski|Putnam|Randolph|Richland|Rock Island|Saline|Schuyler|Scott|Shelby|Stark|Stephenson|Tazewell|Union|Vermilion|Wabash|Warren|Washington|Wayne|White|Whiteside|Williamson|Winnebago|Woodford'),157640,112600,129490] ]; const T_GROUPS = [ [split('Cook|Kane|Lake|Will'),170100,145800,170100], [['McLean'],166320,142560,166320], [split('Madison|St. Clair'),158900,136200,158900], [['Sangamon'],160860,137880,160860], [split('Adams|Alexander|Boone|Champaign|Christian|Coles|DeKalb|DuPage|Franklin|Greene|Henry|Iroquois|Jackson|Jefferson|Johnson|Kankakee|Knox|LaSalle|Lawrence|Macon|Macoupin|Marion|McDonough|Morgan|Peoria|Perry|Pope|Pulaski|Richland|Rock Island|Saline|Schuyler|Stephenson|Tazewell|Union|Vermilion|Wabash|Whiteside|Williamson|Winnebago'),157640,135120,157640] ]; const countyData = {}; for (const [counties,income,home12,home3] of NT_GROUPS) for (const county of counties) countyData[county] = { nt:{income,home12,home3,price:666354,homePrice:566354},targeted:null }; for (const [counties,income,home12,home3] of T_GROUPS) for (const county of counties) countyData[county].targeted = {income,home12,home3,price:792211,homePrice:692211}; export const RULES = { version:'IHDA-2026-07-01-reviewed-2026-09-19', effective:'2026-07-01', reviewed:'2026-09-19', reviewBy:'2026-10-19', verified:true, source:SOURCES.limitsPDF, counties:countyData, scope:'One-unit, owner-occupied, non-manufactured Illinois purchases. Two-unit cases require review: PDF/web discrepancies and loan-product limits are unresolved.' }; export const COUNTIES = Object.keys(countyData).sort((a,b)=>a.localeCompare(b)); // Historical insurer rate-card examples, NOT 2026 pricing. 30-year fixed standard-coverage rows. // Assisted path intentionally uses standard MI until a lender verifies eligibility for reduced coverage. const MI_RATES = { '760+':[.55,.37], '740–759':[.69,.44], '720–739':[.76,.52], '700–719':[.90,.60], '680–699':[1.20,.74], '660–679':[1.65,1.05], '640–659':[1.80,1.15], '620–639':[1.95,1.30], '660–699':[1.65,1.05], '700+':[.90,.60], unknown:[1.95,1.30], under620:[1.95,1.30] }; export const CREDIT_OPTIONS = [['unknown','Not sure'],['under620','Under 620'],'620–639','640–659','660–679','680–699','700–719','720–739','740–759','760+',['660–699','660–699 (saved broad band)'],['700+','700+ (saved broad band)']]; const money = n => Number.isFinite(n) ? new Intl.NumberFormat('en-US',{style:'currency',currency:'USD',maximumFractionDigits:0}).format(n) : 'Unknown'; const num = x => Number(x); const pct = n => `${n.toFixed(1)}%`; const provided = x => x !== '' && x != null && Number.isFinite(Number(x)); export const EXAMPLE = {name:'',stage:'post',told:'I was told I need more cash to close.',loWho:'A lender',loNumber:'About $3,000 short after keeping my emergency fund.',loDPA:'generic',loIHDA:'no',loTypes:'Conventional',loChanged:'no',loDate:'2026-09-10',county:'Cook',targeted:'unknown',targetEvidence:'',property:'one',occupancy:'yes',price:'250000',cash:'22000',reserve:'10000',comfort:'2400',income1:'82000',income2:'',borrowers:'1',debts:'350',credit:'700–719',first:'yes',spouse:'no',veteran:'no',household:'2',incomeType:'w2',timeline:'3–6 months',priority:'cash',rate:'6.5',fhaRate:'6.5',fhaMiMode:'example',fhaMi:'',assistRate:'6.75',term:'30',taxes:'6000',insurance:'1500',hoa:'0',mi:'120',mi5:'105',assistMi:'120',miMode:'example',costs:'3',program:'auto',showConditional:false}; export const EMPTY = {...EXAMPLE,stage:'',told:'',loWho:'',loNumber:'',loDPA:'',loIHDA:'',loTypes:'',loChanged:'',loDate:'',county:'',targeted:'unknown',price:'',cash:'',reserve:'',comfort:'',income1:'',income2:'',debts:'',credit:'unknown',first:'unknown',spouse:'unknown',veteran:'unknown',occupancy:'unknown',property:'one',timeline:'Exploring',priority:''}; export function normalizeData(old) { const d={...EMPTY,...old}; if(old.fhaRate===undefined)d.fhaRate=old.rate??EMPTY.fhaRate; if (!old.miMode) d.miMode='manual'; if (!['cash','monthly','undecided'].includes(d.priority)) d.priority=''; if (!old.loIHDA) d.loIHDA='unknown'; if (!old.loDPA) d.loDPA='unknown'; if (!old.loChanged) d.loChanged='unknown'; d.program='auto'; return d; } export function payment(principal,rate,years) { const r=rate/1200,n=years*12; return r===0?principal/n:principal*r/(1-Math.pow(1+r,-n)); } export function miExample(d,downPct=.03) { const pair=MI_RATES[d.credit]||MI_RATES.unknown; const annual=pair[downPct===.05?1:0]; return {annual,monthly:num(d.price)*(1-downPct)*annual/1200,source:'MGIC archived rate-card example; effective 2017, not a current quote',fallback:['unknown','under620'].includes(d.credit)}; } // FHA schedule: HUD ML 2023-05, Appendix 1.0; scope is a 96.5% LTV purchase. export const FHA_RULES = {version:'HUD-2023-05-reviewed-2026-09-19',reviewed:'2026-09-19',effective:'2023-03-20',upfront:.0175,threshold:726200,source:SOURCES.fha}; const cents = n => Math.round((n+Number.EPSILON)*100)/100; export function fhaMonthlyPremium(principal,rate,pi,annualRate,upfrontFactor=FHA_RULES.upfront) { // HUD's first amortization year: opening balance plus eleven scheduled balances. let balance=principal,total=balance; for(let month=1;month<12;month++) { const interest=cents(cents(balance*rate)/1200); balance=cents(balance+interest-pi); total+=balance; } return cents(cents(cents(total/12*annualRate)/(1+upfrontFactor))/12); } export function fhaExample(d) { const basePrincipal=cents(num(d.price)*.965),upfront=cents(basePrincipal*FHA_RULES.upfront); const principal=cents(basePrincipal+upfront),years=num(d.term),rate=num(d.fhaRate??d.rate); const annual=years<=15?(basePrincipal<=FHA_RULES.threshold?.40:.65):(basePrincipal<=FHA_RULES.threshold?.55:.75); const pi=cents(payment(principal,rate,years)); return {basePrincipal,upfront,principal,annual,pi,monthly:fhaMonthlyPremium(principal,rate,pi,annual/100),duration:'Mortgage term',source:FHA_RULES.version}; } function pricePath(d,program=null,downPct=.03,fha=false) { const p=num(d.price),down=p*downPct,costs=p*num(d.costs)/100,gross=down+costs; const fhaDetail=fha?fhaExample(d):null,principal=fha?fhaDetail.principal:p-down; const offered=program?Math.min(p*program.pct,program.cap):0; const contribution=program?Math.max(1000,p*.01):0; const assistance=Math.max(0,Math.min(offered,gross-contribution)); const second=program?.kind==='repayable'?assistance/120:0; const rate=num(program?d.assistRate:fha?d.fhaRate:d.rate),years=program?30:num(d.term); const mi=fha?(d.fhaMiMode==='manual'?num(d.fhaMi):fhaDetail.monthly):d.miMode==='example'?miExample(d,downPct).monthly:num(program?d.assistMi:downPct===.05?d.mi5:d.mi); const pi=fha?fhaDetail.pi:payment(principal,rate,years),monthly=pi+num(d.taxes)/12+num(d.insurance)/12+num(d.hoa)+mi+second; const income=num(d.income1)+(d.borrowers==='2'?num(d.income2):0),needed=gross-assistance,remaining=num(d.cash)-needed; const gap=Math.max(0,needed-Math.max(0,num(d.cash)-num(d.reserve))),over=Math.max(0,monthly-num(d.comfort)); const loanNote=fha?'FHA loan eligibility, county loan limit, appraisal, credit and underwriting are not screened.':'Conventional loan eligibility and loan limits are not screened.'; return {id:program?`assisted-${program.id}`:fha?'fha':downPct===.05?'higher':'standard',programId:program?.id||null,program,fha,fhaDetail,loanNote:program?'':loanNote,title:program?`3% down + ${program.short}`:fha?'FHA 3.5% down':downPct===.05?'5% down':'3% down',subtitle:program?program.name:fha?'Without assistance · financed upfront MIP':'Conventional · without assistance',downPct,rate,years,mi,down,principal,costs,offered,assistance,second,pi,monthly,needed,remaining,gap,over,fits:gap<=.01&&remaining>=num(d.reserve)&&over<=.01,dti:income>0?(monthly+num(d.debts))/(income/12)*100:null}; } const STATUS = {match:'Potential match',conditional:'Conditional — verify',outside:'Outside screen',needs_info:'More information needed',blocked_data:'Data needs review'}; export function screenPrograms(d,rules=RULES,asOf=new Date().toISOString().slice(0,10)) { const county=rules.counties?.[d.county]; const income=provided(d.income1)&&(d.borrowers!=='2'||provided(d.income2))?num(d.income1)+(d.borrowers==='2'?num(d.income2):0):null; const dataOK=rules.verified&&rules.effective<=asOf&&asOf<=rules.reviewBy&&!!county; const results=PROGRAMS.map(p=>{ const fail=[],missing=[],conditions=[]; if (!dataOK) missing.push(!county?'Select a supported county.':'The dated limits need verification before screening.'); if (income===null||income<0) missing.push('Annual income is required for each borrower.'); if (!provided(d.price)||num(d.price)<=0) missing.push('A valid purchase price is required.'); if (d.credit==='unknown'||!d.credit) missing.push('Mortgage credit score band is unknown.'); if (['under620','620–639'].includes(d.credit)) fail.push('Reported credit band is below the published 640 minimum.'); if (d.occupancy==='no') fail.push('IHDA requires an owner-occupied primary residence.'); else if (d.occupancy!=='yes') missing.push('Primary-residence occupancy needs confirmation.'); if (d.property==='manufactured') fail.push('Manufactured homes are excluded by the program fact sheets.'); else if (d.property!=='one') missing.push('Two-unit or other property: source discrepancies and loan-product rules require a lender review.'); if (num(d.term)!==30) conditions.push('IHDA requires a 30-year first mortgage; change the term to compare assistance.'); const incomeKnown=income!==null&&provided(d.price), hh=Number.parseInt(d.household,10); if(p.id==='accesshome'&&(!hh||hh<1)) missing.push('Household size is required for Access Home limits.'); const validTarget=['yes','no','unknown'].includes(d.targeted)?d.targeted:'unknown'; if (validTarget==='yes'&&county&&!county.targeted) missing.push('This county has no targeted areas in the verified list. Recheck the reported map result.'); const modes=validTarget==='yes'?['targeted']:validTarget==='no'?['nt']:county?.targeted?['nt','targeted']:['nt']; const scenarios=dataOK&&incomeKnown&&d.property==='one'?modes.map(mode=>{ const L=county[mode]; if(!L)return {mode,pass:false,unknown:true,notes:['No verified targeted-area limits for this county.']}; const incLimit=p.id==='accesshome'?(hh>=3?L.home3:L.home12):L.income; const priceLimit=p.id==='accesshome'?L.homePrice:L.price; if(!Number.isFinite(incLimit)||incLimit<=0||!Number.isFinite(priceLimit)||priceLimit<=0)return {mode,pass:false,unknown:true,dataMissing:true,notes:['Required numeric limits are missing or invalid.']}; const notes=[]; if(income>incLimit)notes.push(`Income ${money(income)} exceeds ${money(incLimit)}.`); if(num(d.price)>priceLimit)notes.push(`Price ${money(num(d.price))} exceeds ${money(priceLimit)}.`); let statusKnown=true; if(p.id==='accesshome'&&mode==='nt') { // 'yes' veteran means ALL applicable borrowers/spouses meet a qualifying exception, subject to documentation. const qualifies=d.first==='yes'&&d.spouse==='no'||d.veteran==='yes'; if(!qualifies) { if((d.first==='no'||d.spouse==='yes')&&d.veteran==='no')notes.push('Non-targeted Access Home first-time/spouse conditions are not met; no veteran exception reported.'); else {statusKnown=false;notes.push('First-time/spouse or veteran exception needs confirmation.');} } } return {mode,incLimit,priceLimit,pass:notes.length===0,unknown:!statusKnown,notes}; }):[]; const passed=scenarios.filter(s=>s.pass),uncertain=scenarios.filter(s=>s.unknown); if(scenarios.length&&!passed.length&&!uncertain.length) fail.push(...scenarios.flatMap(s=>s.notes.map(n=>`${s.mode==='nt'?'Non-targeted':'Targeted'}: ${n}`))); if(passed.length&&passed.lengths.mode==='nt'?'non-targeted':'targeted').join('/')} scenario passes; confirm the property's classification.`); if(!passed.length&&uncertain.length) missing.push(...uncertain.flatMap(s=>s.notes)); if(validTarget==='yes'&&!d.targetEvidence?.trim()) conditions.push('Record the property/map check that supports targeted status.'); const canPrice=['price','cash','reserve','comfort','rate','assistRate','term','taxes','insurance','hoa','costs','income1','debts'].every(k=>provided(d[k]))&&(d.borrowers!=='2'||provided(d.income2))&&(d.miMode==='example'||provided(d.assistMi)); const path=canPrice?pricePath(d,p):null; if(!path) missing.push('Complete rate, cost, and income assumptions to check the path DTI.'); if(path?.dti>50) fail.push(`Illustrated DTI ${pct(path.dti)} exceeds 50%; lender-calculated qualifying income may differ.`); if(!provided(d.debts)) missing.push('Monthly debt payments are needed for the DTI check.'); let status=!dataOK||d.property==='two'||scenarios.some(s=>s.dataMissing)?'blocked_data':fail.length?'outside':missing.length?'needs_info':conditions.length?'conditional':'match'; return {...p,status,label:STATUS[status],notes:[...new Set([...fail,...missing,...conditions])],scenarios,income,assistance:provided(d.price)?Math.min(num(d.price)*p.pct,p.cap):null,incLimit:passed[0]?.incLimit??scenarios[0]?.incLimit??null,path,canIllustrate:['match','conditional'].includes(status)&&num(d.term)===30,match:status==='match'}; }); return {results,income,county,dataOK,asOf,rulesVersion:rules.version,reviewBy:rules.reviewBy,scope:rules.scope}; } export function calculate(d,rules=RULES,asOf) { const errors=validate(d); if(Object.keys(errors).length) throw new Error('Invalid buyer inputs: '+Object.keys(errors).join(', ')); const screen=screenPrograms(d,rules,asOf); let rows=[pricePath(d),pricePath(d,null,.05),pricePath(d,null,.035,true)]; const assisted=screen.results.filter(r=>r.canIllustrate&&(r.status==='match'||d.showConditional===true)).map(r=>({...r.path,screenStatus:r.status,screenNotes:r.notes})); rows=[...rows,...assisted].map(r=>({...r,caution:r.screenStatus==='conditional'?'Conditional: verify before relying on assistance.':'',screenStatus:r.screenStatus||'not_screened'})); const sort=(a,b)=>d.priority==='cash'?a.needed-b.needed||a.monthly-b.monthly||a.assistance-b.assistance:d.priority==='monthly'?a.monthly-b.monthly||a.needed-b.needed||a.assistance-b.assistance:0; if(['cash','monthly'].includes(d.priority)) rows.sort(sort); const fitting=rows.filter(r=>r.fits&&r.screenStatus!=='conditional'); const best=['cash','monthly'].includes(d.priority)?fitting[0]||null:null; const calc={rows,screen,income:screen.income,best,backup:best?fitting.find(r=>r.id!==best.id)||null:null,program:best?.program||PROGRAMS[0],conditionalCount:screen.results.filter(r=>r.status==='conditional'&&r.canIllustrate).length}; calc.flags=buildFlags(d,calc,rules,asOf); return calc; } export function buildFlags(d,calc,rules=RULES,asOf) { const flags=[],screen=calc.screen; if(d.borrowers==='2'&&screen.dataOK&&screen.income!==null) { const structural=[]; for(const result of screen.results) { const exceeds=result.scenarios.some(s=>s.incLimit&&screen.income>s.incLimit); if(!exceeds)continue; for(const who of ['1','2']) { const single={...d,borrowers:'1',income1:who==='1'?d.income1:d.income2,income2:''}; // Isolate the income-limit crossing. Do not call a one-borrower deal qualified from this comparison. const pass=result.scenarios.find(s=>s.incLimit&&num(single.income1)<=s.incLimit&&num(d.price)<=s.priceLimit); if(pass) structural.push(`${result.short}, borrower ${who}: ${money(num(single.income1))} vs ${money(pass.incLimit)} ${pass.mode==='nt'?'non-targeted':'targeted'} income cap`); } } if(structural.length)flags.push({k:'STRUCTURAL',title:'A single-borrower review may change the income screen.',t:`Combined income is ${money(screen.income)}. ${structural.join('; ')}. This is an income-only finding. Ask the lender to model qualification, debts, credit, spouse rules, and title implications; household size does not shrink when a borrower is removed.`}); } if(d.stage==='post'&&d.loIHDA==='no') { const matches=screen.results.filter(r=>r.status==='match'); const conditional=screen.results.filter(r=>r.status==='conditional'); if(matches.length||conditional.length)flags.push({k:'COVERAGE',title:'IHDA may be missing from the conversation.',t:`You reported that IHDA was not mentioned. ${matches.length?matches.map(r=>r.short).join(', ')+' passed the modeled pre-screen. ':''}${conditional.length?conditional.map(r=>r.short).join(', ')+' needs a conditional check. ':''}Ask what was considered and why. This does not establish that the lender made an error.`}); } if(d.stage==='post'&&(d.loChanged==='yes'||d.loDate&&d.loDater.id==='standard'); if(baseline&&baseline.needed<=num(d.cash)&&baseline.gap>0)flags.push({k:'RESERVE',title:'The cash issue is the cushion, not just closing.',t:`The unassisted 3% path can use existing savings but leaves ${money(baseline.remaining)}, below the ${money(num(d.reserve))} reserve goal. The reserve-preserving shortfall is ${money(baseline.gap)}.`}); if(!screen.dataOK)flags.push({k:'DATA',title:'The screening data needs review.',t:'Assisted paths are blocked until the county and dated data are verified. No default county limits are substituted.'}); return flags; } export function validate(d,part=0) { const errors={}; const required=keys=>keys.forEach(k=>{if(!provided(d[k])||num(d[k])<0)errors[k]='Enter a number of zero or more.';}); if(!part||part===1) { if(!d.stage)errors.stage='Choose where you are in the process.'; if(!COUNTIES.includes(d.county))errors.county='Select the Illinois county where you plan to buy.'; if(d.stage==='post')for(const k of ['loDPA','loIHDA','loChanged'])if(!d[k])errors[k]='Choose an answer, including “Not sure” if needed.'; } if(!part||part===2) {required(['price','cash','reserve','comfort']);if(!(num(d.price)>0))errors.price='Enter a positive purchase price.';if(!(num(d.comfort)>0))errors.comfort='Enter a positive monthly budget.';if(num(d.reserve)>num(d.cash))errors.reserve='Protected savings cannot exceed available savings.';if(!['cash','monthly','undecided'].includes(d.priority))errors.priority='Choose a priority, or explicitly note that you cannot choose.';} if(!part||part===3){required(['income1','debts']);if(d.borrowers==='2')required(['income2']);if(num(d.income1)+(d.borrowers==='2'?num(d.income2):0)<=0)errors.income1='Enter the borrowers’ annual income.';} if(!part){required(['rate','fhaRate','assistRate','taxes','insurance','hoa','costs']);if(d.fhaMiMode==='manual')required(['fhaMi']);if(d.miMode!=='example')required(['mi','mi5','assistMi']);for(const k of ['rate','fhaRate','assistRate'])if(num(d[k])>25)errors[k]='Use a rate from 0% to 25%.';if(num(d.costs)>15)errors.costs='Use closing costs from 0% to 15%.';if(![15,20,30].includes(num(d.term)))errors.term='Select a supported term.';} return errors; } export function getQuestions(d,calc) { const q=[`Please compare written quotes that keep monthly housing within ${money(num(d.comfort))} and preserve ${money(num(d.reserve))} after purchase.`, `My stated priority is ${d.priority==='cash'?'lower cash up front':d.priority==='monthly'?'lower monthly payment':'unresolved; help me choose between cash and payment'}. Please show how the recommendation honors it.`]; q.push('Please compare FHA 3.5%, conventional 3% and 5%, and screened assistance using written quotes for the same home, date, term and lock period. Separate upfront mortgage insurance, monthly insurance and points. Confirm FHA county loan limits and credit requirements; this worksheet does not screen unassisted loan eligibility.'); const programs=calc.screen.results.filter(r=>['match','conditional'].includes(r.status)); if(programs.length)q.push(`Can you originate and verify these pre-screen candidates: ${programs.map(r=>r.name+(r.status==='conditional'?' (conditional)':'')).join(', ')}? Confirm funding and quote each alongside an unassisted loan.`); if(d.stage==='post')q.push(`Previously I was told: “${d.told||'not recorded'}”. The specific limiting number was “${d.loNumber||'not identified'}”. Is that still the binding constraint?`); if(calc.flags.some(f=>f.k==='STRUCTURAL'))q.push('Please model each possible single-borrower structure against the joint application, including qualification, debts, spouse conditions, and ownership implications.'); q.push('Please run the IHDA Income Calculator using all note-borrower income, and verify the county, household, property, and targeted-area rules.','Please confirm mortgage insurance, all housing costs, and the assistance payment and repayment triggers at sale or refinance.','What would rule out the preferred path, and what is the backup?'); return q; } export function buildSummary(d,calc,demo) { return `BUYER PATH — ${demo?'FICTIONAL EXAMPLE':d.name||'Buyer worksheet'}\nVersion ${VERSION} · ${new Date().toLocaleDateString()}\nPre-screen only, not approval. Lender verification required.\n\nBOUNDARIES\n${d.county} County · Price ${money(num(d.price))} · Timeline ${d.timeline}\nMonthly ceiling ${money(num(d.comfort))} · Savings ${money(num(d.cash))} · Protected reserve ${money(num(d.reserve))}\nForced choice: ${d.priority||'not selected'}\n\nFINDINGS\n${calc.flags.map(f=>`[${f.k}] ${f.title} ${f.t}`).join('\n')}\n\nPROGRAM PRE-SCREEN\n${calc.screen.results.map(r=>`${r.name}: ${r.label}${r.notes.length?' — '+r.notes.join(' '):''}`).join('\n')}\n\nPRICED PATHS\n${calc.rows.map(r=>`${r.title}: ${money(r.monthly)}/month; purchase cash ${money(r.needed)}; savings left ${money(r.remaining)}; DTI ${r.dti===null?'unknown':pct(r.dti)}; ${r.screenStatus==='conditional'?'CONDITIONAL — excluded from recommendation':'lender verification required'}.\n ${r.years} years at ${r.rate}%; P&I ${money(r.pi)}; MI/MIP ${money(r.mi)}; second payment ${money(r.second)}; assistance used ${money(r.assistance)}; down payment ${money(r.down)}; costs ${money(r.costs)}; mortgage principal ${money(r.principal)}.${r.fha?` Financed upfront MIP ${money(r.fhaDetail.upfront)} (added to loan, not purchase cash); ${d.fhaMiMode==='manual'?'entered monthly MIP':r.fhaDetail.annual+'% annual MIP, first-year schedule estimate'}; MIP duration: mortgage term.`:''}${r.loanNote?' '+r.loanNote:''}`).join('\n')}\nPriority lead: ${calc.best?.title||'No path selected'}\nBackup: ${calc.backup?.title||'Navigator to identify'}\n\nASSUMPTIONS\nRates ${d.rate}% conventional / ${d.fhaRate}% FHA / ${d.assistRate}% assisted; unassisted term ${d.term} years; IHDA 30 years. Example rates, not current quotes.\nAnnual taxes ${money(num(d.taxes))}; insurance ${money(num(d.insurance))}; monthly HOA ${money(num(d.hoa))}; costs/prepaids ${d.costs}% of price.\nMI: ${d.miMode==='example'?miExample(d).source+'; varies with credit band and loan amount. No automatic HFA discount.':'Manually entered per path.'}\nFHA: 3.5% down; 1.75% upfront MIP fully financed. Monthly MIP uses the first-year amortization average and HUD rate tiers unless manually overridden. This comparison does not rank lifetime cost or model PMI cancellation.\nNo moving/repair costs, seller credits, earnest-money offsets, or separate maintenance budget included. All loan product rules and actual assistance usage need lender confirmation.\n\nLENDER QUESTIONS\n${getQuestions(d,calc).map((q,i)=>`${i+1}. ${q}`).join('\n')}\n\nSources reviewed ${SOURCE_DATE}\n${SOURCES.limitsPDF}\n${SOURCES.programs}\n${SOURCES.mi}\n${SOURCES.fha}\n${SOURCES.fhaCalculation}\n${SOURCES.estimates}`; } export function buildCaseFile(d,calc,demo,review={}) { const screen=calc.screen; return `NAVIGATOR CASE FILE — ${demo?'FICTIONAL EXAMPLE':d.name||'Unnamed buyer'}\nBuyer Path v${VERSION} · ${new Date().toISOString()}\nDecision support only. Human finding and lender verification are required.\n\nBLOCK 1 — PRIOR CONVERSATION\nStage: ${d.stage}\nWho: ${d.loWho||'not recorded'} · Date: ${d.loDate||'not recorded'}\nWhat was said: ${d.told||'not recorded'}\nSpecific limiting number: ${d.loNumber||'not identified'}\nDPA named: ${d.loDPA||'unknown'} · IHDA mentioned: ${d.loIHDA||'unknown'}\nLoan types discussed: ${d.loTypes||'not recorded'} · Changed since: ${d.loChanged||'unknown'}\n\nBLOCK 2 — BORROWERS & BOUNDARIES\nBorrowers: ${d.borrowers} · Income 1: ${money(num(d.income1))}${d.borrowers==='2'?' · Income 2: '+money(num(d.income2)):''} · Type: ${d.incomeType}\nCombined reported note income: ${money(screen.income)} · Monthly debts: ${money(num(d.debts))} · Credit band: ${d.credit}\nHousehold: ${d.household} · First-time (all borrowers): ${d.first} · Spouse recent ownership: ${d.spouse} · All-person veteran exception: ${d.veteran}\nCounty: ${d.county} · Targeted: ${d.targeted} · Map evidence: ${d.targetEvidence||'not supplied'}\nProperty: ${d.property} · Primary residence: ${d.occupancy}\nPrice: ${money(num(d.price))} · Cash: ${money(num(d.cash))} · Reserve: ${money(num(d.reserve))} · Monthly ceiling: ${money(num(d.comfort))} · Timeline: ${d.timeline}\n\nBLOCK 3 — FORCED CHOICE\n${d.priority==='cash'?'LOWER CASH UP FRONT':d.priority==='monthly'?'LOWER MONTHLY PAYMENT':'EXPLICITLY CANNOT CHOOSE — FOLLOW UP; NO DEFAULT SORT'}\n\nBLOCK 4 — PROGRAM SCREEN & EXACT LIMIT BASIS\nRules: ${screen.rulesVersion} · As of: ${screen.asOf} · Review by: ${screen.reviewBy} · Data valid: ${screen.dataOK}\n${screen.results.map(r=>`${r.name}: ${r.label}\n${r.scenarios.map(s=>` ${s.mode}: income cap ${money(s.incLimit)}, price cap ${money(s.priceLimit)}, pass ${s.pass}; ${s.notes.join(' ')}`).join('\n')}\n Reasons: ${r.notes.join(' ')||'Reported inputs pass the modeled checks; full lender verification remains.'}`).join('\n')}\n\nBLOCK 5 — STRUCTURAL / COVERAGE / FRESHNESS / PRIORITY FLAGS\n${calc.flags.map(f=>`[${f.k}] ${f.title}\n${f.t}`).join('\n\n')}\n\nBLOCK 6 — COMPARISON & ASSUMPTIONS\n${buildSummary(d,calc,demo).split('PRICED PATHS\n')[1]}\n\nBLOCK 7 — NAVIGATOR FINDING (HUMAN REVIEW)\nStatus: ${review.status||'Draft — review pending'}\nHeadline: ${review.headline||'[To complete]'}\nWhat appears missed / evidence: ${review.missed||'[To complete; do not infer lender error solely from buyer recollection]'}\nRecommended path: ${review.path||'[To complete]'}\nBackup: ${review.backup||'[To complete]'}\nConfidence: ${review.confidence||'Not assessed'}\nWhat would change this finding: ${review.change||'[To complete]'}\nNext action: ${review.action||'[To complete]'}\n\nSOURCE SCOPE\n${screen.scope}\nAll inputs self-reported; pricing illustrative; funding not reserved; no underwriting approval.`; } const css = ` 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.bp-pill{flex-shrink:0}.bp-diagnostics{margin-top:28px}@media(max-width:600px){.bp-screen-row,.bp-finding{flex-direction:column;gap:10px}.bp-tradeoff .bp-grid{grid-template-columns:1fr}.bp-side nav{gap:2px}.bp-nav{font-size:11px;padding:9px 6px}.bp-pill{white-space:normal}} @media print{.bp{background:white;min-height:0;font-size:11px}.bp-shell{display:block}.bp-side,.bp-top,.bp-no-print,.bp-foot{display:none!important}.bp-main{padding:0}.bp-print-only{display:block}.bp-card,.bp-callout,.bp-table-wrap{break-inside:avoid}.bp h1{font-size:30px}.bp-metrics{grid-template-columns:repeat(3,1fr)}.bp-table-wrap{overflow:visible}.bp-table-wrap table{min-width:0}.bp-bottom{grid-template-columns:1fr 1fr}.bp th,.bp td{padding:10px}.bp-programs{grid-template-columns:1fr 1fr}} `; function Field({ id, label, value, onChange, error, hint, options, type = 'number', wide = false }) { return {label}{options ? : type === 'textarea' ?

onChange(e.target.value)} /> : <input id={'bp-' + id} aria-labelledby={'label-' + id} type={type} min={type === 'number' ? '0' : undefined} step={type === 'number' ? 'any' : undefined} value={value} onChange={e => onChange(e.target.value)} aria-invalid={!!error} aria-describedby={error ? 'err-' + id : undefined} />}{hint && <small>{hint}</small>}{error && <small className="err" id={'err-' + id}>{error}</small>}</label>;
}
function Tradeoff({value,onChange,error}) { return <div className="bp-wide bp-tradeoff"><div className="bp-eyebrow">NOW, THE TRADEOFF</div><h3>If you had to choose one, which matters more?</h3><p className="bp-small">Your payment ceiling and protected savings stay in place. This choice decides the order of paths that fit both.</p><div className="bp-grid" style={{marginTop:15}}>{[['cash','Lower cash up front','Use less at the closing table, even if the monthly payment is higher.'],['monthly','Lower monthly payment','More room each month, even if the purchase uses more cash.']].map(([v,title,desc])=><button type="button" key={v} className={'bp-choice'+(value===v?' chosen':'')} aria-pressed={value===v} onClick={()=>onChange(v)}><strong>{title}</strong><span>{desc}</span></button>)}</div><button type="button" className="bp-cant" onClick={()=>onChange('undecided')} aria-pressed={value==='undecided'}>I can’t choose — record this for my navigator</button>{value==='undecided'&&<p className="bp-small" role="status">Recorded as an explicit unresolved choice. No default sort or lead recommendation.</p>}{error&&<p className="bp-error" role="alert">{error}</p>}</div>; }
function Diagnostics({calc,compact=false}) { const flags=compact?calc.flags.filter(f=>f.k!=='PRIORITY').slice(0,3):calc.flags; return <section className="bp-diagnostics"><div className="bp-section-head"><div><div className="bp-eyebrow">THE DIAGNOSTIC LAYER</div><h2>What deserves a second look.</h2><p>Findings from your reported conversation, inputs, and program rules—not a judgment about your lender.</p></div></div>{flags.length?flags.map((f,i)=><div key={f.k+i} className="bp-card bp-finding"><span className="bp-pill">{f.k}</span><div><h3>{f.title}</h3><p>{f.t}</p></div></div>):<div className="bp-card"><p>No structural or coverage flags were detected from the supplied answers. A navigator can still review the case.</p></div>}</section>; }
function Screening({calc}) { return <div className="bp-card" style={{marginTop:22}}><div className="bp-section-head" style={{marginTop:0}}><div><div className="bp-eyebrow">PROGRAM PRE-SCREEN</div><h2>What may be available to you.</h2></div><span className={'bp-pill'+(!calc.screen.dataOK?' warn':'')}>{calc.screen.dataOK?'Verified rules · reported inputs':'Data review required'}</span></div>{calc.screen.results.map(r=><div className="bp-screen-row" key={r.id}><div><h3>{r.name}</h3><p className="bp-small">{r.scenarios.map(s=>`${s.mode==='nt'?'Non-targeted':'Targeted'}: income ${money(s.incLimit)} · price ${money(s.priceLimit)}`).join(' / ')||'Limit basis unavailable'}{r.notes.length?' — '+r.notes.join(' '):' · Reported inputs pass the modeled checks.'}</p></div><span className={'bp-pill'+(r.status!=='match'?' warn':'')}>{r.label}</span></div>)}<p className="bp-small" style={{marginTop:16}}>Lender verification, documentation, property approval, and funding reservation are still required. Passing this screen is not a loan approval.</p></div>; }

export default function BuyerPathIntake() {
  const [d,setD] = useState({...EXAMPLE}), [demo,setDemo] = useState(true), [view,setView] = useState('plan'), [step,setStep] = useState(1), [errors,setErrors] = useState({}), [toast,setToast] = useState(''), [cases,setCases] = useState([]), [consent,setConsent] = useState(false), [checks,setChecks] = useState({}), [storageError,setStorageError] = useState(''), [review,setReview] = useState({}), [focusPath,setFocusPath] = useState('');
  useEffect(() => { try { const v = localStorage.getItem('buyer-path-cases-v2'); if (v) { const parsed = JSON.parse(v); if (!Array.isArray(parsed) || parsed.some(c => !c.id || !c.data || !Array.isArray(c.followups))) throw Error(); setCases(parsed); } } catch { setStorageError('Saved cases could not be loaded. No existing data was changed. You can still download your worksheet.'); } }, []);
  const set = key => value => { setD(prev => ({...prev,[key]:value})); setErrors(prev => ({...prev,[key]:undefined})); setToast(''); setReview({}); setFocusPath(''); };
  const allErrors = validate(d), valid = !Object.keys(allErrors).length;
  const calc = valid ? calculate(d) : null;
  const selected = calc ? (calc.rows.find(r=>r.id===focusPath) || calc.best || calc.rows.find(r=>r.id==='standard') || calc.rows[0]) : null;
  function go(next) { setView(next); setToast(''); window.scrollTo({top:0,behavior:'instant'}); }
  function start() { setD({...EMPTY}); setReview({}); setFocusPath(''); setDemo(false); setChecks({}); setErrors({}); setStep(1); go('intake'); }
  function example() { setD({...EXAMPLE}); setReview({}); setFocusPath(''); setDemo(true); setChecks({}); setErrors({}); go('plan'); }
  function advance() { const err = validate(d,step); setErrors(err); if (Object.keys(err).length) return; if (step < 3) { setStep(step+1); window.scrollTo(0,0); } else go('plan'); }
  function download(navigatorFile=false) { if (!calc) return; const blob = new Blob([navigatorFile===true?buildCaseFile(d,calc,demo,review):buildSummary(d,calc,demo)],{type:'text/plain;charset=utf-8'}); const url = URL.createObjectURL(blob); const a=document.createElement('a'); a.href=url; a.download=navigatorFile===true?'buyer-path-navigator-case.txt':'buyer-path-worksheet.txt'; a.click(); setTimeout(()=>URL.revokeObjectURL(url),1000); setToast('Worksheet downloaded. It contains your financial inputs; share it only with people you choose.'); }
  function persist(next) { try { localStorage.setItem('buyer-path-cases-v2',JSON.stringify(next)); setCases(next); setStorageError(''); return true; } catch { setStorageError('Could not save on this browser. Download the worksheet to keep a copy.'); return false; } }
  function saveCase() { if (!calc || !consent) return; const now = new Date(); const followups=[30,90,180].map(days=>{const date=new Date(now);date.setDate(date.getDate()+days);return {days,date:date.toLocaleDateString(),done:false};}); const c={id:globalThis.crypto?.randomUUID?.() || String(Date.now()), created:now.toLocaleDateString(), demo, data:{...d}, summary:buildSummary(d,calc,demo), navigatorFile:buildCaseFile(d,calc,demo,review), review:{...review}, screenSnapshot:calc.screen, flagsSnapshot:calc.flags, comparisonSnapshot:calc.rows, rulesVersion:RULES.version, appVersion:VERSION, rulesDate:SOURCE_DATE, checks:{...checks}, status:'Review pending', reason:'', notes:'', followups}; if(persist([c,...cases])) setToast('Case saved on this browser, including this version of your worksheet. Follow-up dates are checklist reminders only.'); }
  function downloadSource() { const el=document.getElementById('buyer-path-source'); if(!el)return; const source=JSON.parse(el.textContent); const url=URL.createObjectURL(new Blob([source],{type:'text/plain'})); const a=document.createElement('a');a.href=url;a.download='buyer-path-intake.jsx';a.click();setTimeout(()=>URL.revokeObjectURL(url),1000); }
  function downloadAgent() { const content=`AGENT SNAPSHOT — Searching in ${d.county} County · Target price ${money(num(d.price))} · Timeline: ${d.timeline}. Financing illustrations prepared; lender and program verification pending.`; const url=URL.createObjectURL(new Blob([content],{type:'text/plain;charset=utf-8'})); const a=document.createElement('a');a.href=url;a.download='buyer-path-agent-snapshot.txt';a.click();setTimeout(()=>URL.revokeObjectURL(url),1000); }
  function updateCase(id,patch) { persist(cases.map(c=>c.id===id?{...c,...patch}:c)); }
  const field = (key,label,extra={}) => <Field key={key} id={key} label={label} value={d[key]} onChange={set(key)} error={errors[key] || (view==='lab' ? allErrors[key] : undefined)} {...extra}/>;
  const nav=[['plan','◈','Your plan'],['lab','≋','Budget lab'],['programs','⌂','Assistance'],['navigator','◉','Navigator'],['cases','▤','Case notes'],['data','≔','Data']];
  const comparison = calc && <div className="bp-table-wrap"><table><caption className="bp-small" style={{textAlign:'left',padding:'12px 18px'}}>FHA + conventional + pre-screen candidates · first-year estimates, not approvals</caption><thead><tr><th>PATH</th><th>MONTHLY TOTAL</th><th>PURCHASE CASH</th><th>SAVINGS LEFT</th><th>YOUR BOUNDARIES</th></tr></thead><tbody>{calc.rows.map(r=><tr key={r.id} className={calc.best?.id===r.id?'highlight':''}><td><strong>{r.title}</strong><small>{r.subtitle}</small>{!r.programId&&<small>Loan eligibility not screened</small>}{r.programId&&<small>{r.screenStatus==='conditional'?'Conditional scenario':'Pre-screen potential match'}</small>}</td><td className="num" data-label="Monthly total"><strong>{money(r.monthly)}</strong><small>{r.rate}% assumed rate · {r.years} years</small>{r.second>0&&<small>Includes {money(r.second)}/mo assistance repayment</small>}{r.fha&&<small>{money(r.fhaDetail.upfront)} upfront MIP financed</small>}<small>DTI {r.dti==null?'unknown':pct(r.dti)} · estimate</small></td><td className="num" data-label="Purchase cash">{money(r.needed)}<small>{r.assistance ? `${money(r.assistance)} assistance modeled` : 'No assistance modeled'}</small></td><td className="num" data-label="Savings left">{money(r.remaining)}<small>{r.remaining < 0 ? 'Purchase cash shortfall' : `${money(num(d.reserve))} reserve goal`}</small></td><td data-label="Your boundaries"><span className={'bp-status'+(r.fits?'':' bad')}>{r.caution?'Lender review needed':r.fits?'Fits your inputs':r.over>0?'Above payment goal':'More cash needed'}</span><small>{r.caution?`${r.caution}. `:''}{r.gap>0?`${money(r.gap)} needed to protect reserve. `:''}{r.over>0?`${money(r.over)}/mo over budget.`:''}{r.fits?'Needs a lender quote.':''}</small></td></tr>)}</tbody></table></div>;
  return <div className="bp"><style>{css}</style><div className="bp-shell"><aside className="bp-side bp-no-print"><div className="bp-brand"><span className="bp-logo" aria-hidden="true">⌂</span>buyer path<span style={{color:'#b7d098'}}>.</span></div><small>A little clarity. A big next step.</small><nav aria-label="Main navigation">{nav.map(([id,icon,label])=><button key={id} className="bp-nav" aria-current={view===id?'page':undefined} onClick={()=>go(id)}><span aria-hidden="true">{icon}</span><span>{label}</span></button>)}</nav><div className="bp-side-note"><strong>Your home. Your pace.</strong>Start with the payment and savings cushion that work for your life.<div className="bp-divider" style={{background:'#365e50'}}/>Illinois planning prototype<br/>No account or credit pull.</div></aside><main className="bp-main"><div className="bp-top bp-no-print"><span>HOMEOWNERSHIP, WITH A PLAN</span><div className="bp-actions"><span className={'bp-pill'+(demo?' warn':'')}>{demo?'● Fictional example':'● Your worksheet'}</span><button className="bp-btn" onClick={demo?start:example}>{demo?'Start my plan':'View example'}</button></div></div>{toast&&<div className="bp-toast" role="status">{toast}</div>}{storageError&&<div className="bp-error" role="alert">{storageError}</div>}
  {view==='intake' && <div className="bp-step"><div className="bp-eyebrow">YOUR STARTING POINT · STEP {step} OF 3</div><h1>{step===1?'Let’s meet you where you are.':step===2?'A home should leave room to live.':'A little context for your lender.'}</h1><p className="bp-small" style={{marginTop:14}}>{step===1?'No account or credit pull. Initials are enough for your case file.':step===2?'Set your own boundaries before exploring mortgage options.':'Approximate figures are fine. This supports a program pre-screen and navigator review; it does not approve a loan.'}</p><div className="bp-progress" aria-label={`Step ${step} of 3`}>{[1,2,3].map(n=><span key={n} className={n<=step?'active':''}/>)}</div><form className="bp-card" onSubmit={e=>{e.preventDefault();advance();}} noValidate><div className="bp-grid">
  {step===1&&<>{field('name','Name or initials (optional)',{type:'text'})}{field('county','Illinois county',{options:[['','Select county…'],...COUNTIES],hint:'The county where you want to buy. All 102 are mapped explicitly.'})}{field('stage','Where are you in the process?',{wide:true,options:[['','Choose one'],['pre','Preparing for my first lender conversation'],['post','I have already spoken with a lender']]})}{d.stage==='post'&&<>{field('loWho','Who did you speak with?',{type:'text',hint:'Lender, broker, credit union, or loan officer; no contact details needed.'})}{field('loDate','When was that conversation? (optional)',{type:'date'})}{field('told','What were you told?',{type:'textarea',wide:true})}{field('loNumber','What specific limiting number was identified?',{type:'text',wide:true,hint:'For example: $5,000 cash shortfall, DTI 52%, or no number given.'})}{field('loDPA','Was down payment assistance mentioned by name?',{options:[['','Choose an answer'],['yes','Yes, by name'],['generic','Only generally'],['no','No'],['unknown','Not sure']]})}{field('loIHDA','Was IHDA mentioned specifically?',{options:[['','Choose an answer'],['yes','Yes'],['no','No'],['unknown','Not sure']]})}{field('loTypes','Which loan types were discussed?',{type:'text',hint:'For example: conventional, FHA, VA, USDA, or not sure.'})}{field('loChanged','Has anything changed since?',{options:[['','Choose an answer'],['yes','Yes'],['no','No'],['unknown','Not sure']]})}</>}{field('timeline','When would you like to buy?',{wide:true,options:['Exploring','Within 3 months','3–6 months','6–12 months','More than a year']})}</>}
  {step===2&&<>{field('price','Target home price ($)')}{field('comfort','Comfortable housing payment / month ($)',{hint:'Include principal, interest, taxes, insurance, and HOA.'})}{field('cash','Savings available before purchase ($)',{hint:'Include the reserve you want to keep.'})}{field('reserve','Savings to keep after purchase ($)',{hint:'An emergency cushion you do not want to spend.'})}<Tradeoff value={d.priority} onChange={set('priority')} error={errors.priority}/></>}
  {step===3&&<>{field('borrowers','How many borrowers?',{options:[['1','One'],['2','Two']]})}{field('incomeType','Income type',{options:[['w2','W-2 employment'],['self','Self-employed'],['mixed','Mixed income']]})}{field('income1','Borrower 1 annual gross income ($)')}{d.borrowers==='2'&&field('income2','Borrower 2 annual gross income ($)',{hint:'Required for two borrowers; never treated as zero if missing.'})}{field('debts','Combined monthly debt payments ($)',{hint:'Exclude current rent; include auto, student loan, credit-card minimums, etc.'})}{field('credit','Mortgage credit score band',{options:CREDIT_OPTIONS,hint:'For two borrowers, use the lower applicable band as a planning flag. The lender determines the score.'})}{field('first','All borrowers first-time buyers?',{options:[['unknown','Not sure'],['yes','Yes'],['no','No']],hint:'No primary-residence ownership in the last 3 years.'})}{field('spouse','Has a non-borrowing spouse owned a primary home in the last 3 years?',{options:[['unknown','Not sure'],['no','No / not applicable'],['yes','Yes']]})}{field('veteran','Do all applicable borrowers/spouses qualify for the veteran exception?',{options:[['unknown','Not sure'],['no','No'],['yes','Yes — lender to confirm']]})}{field('household','People who will live in the home',{options:['1','2','3','4','5+']})}{field('occupancy','Will this be your primary residence?',{options:[['unknown','Not sure'],['yes','Yes'],['no','No']]})}{field('property','Property type',{options:[['one','One-unit home / condo / townhome'],['two','Two-unit property — lender review'],['manufactured','Manufactured home'],['other','Other / not sure']]})}{field('targeted','Is the property in an IHDA targeted area?',{options:[['unknown','Not checked / no property yet'],['no','Map checked — non-targeted'],['yes','Map checked — targeted']],hint:'A county can contain both types. Use the official property map.'})}{d.targeted==='yes'&&field('targetEvidence','Property/map check reference',{type:'text',wide:true,hint:'Record the address or a private case reference and the check date. This appears only in the navigator case file.'})}<p className="bp-small bp-wide"><a href={SOURCES.limits} target="_blank" rel="noreferrer">Open the official IHDA property map and limits ↗</a></p></>}
  </div>{step===3&&<details className="bp-agent"><summary><strong>Review starting cost assumptions</strong></summary><p className="bp-small" style={{margin:'10px 0'}}>These are examples, not estimates for your property. Replace them now or in Budget lab. The first comparison includes them.</p><div className="bp-grid">{field('taxes','Property taxes / year ($)')}{field('insurance','Home insurance / year ($)')}{field('hoa','HOA / month ($)')}{field('rate','Conventional interest rate (%)')}{field('fhaRate','FHA interest rate (%)')}{field('assistRate','Assisted interest rate (%)')}</div></details>}{Object.values(errors).some(Boolean)&&<p className="bp-error" role="alert">Please check the highlighted fields before continuing.</p>}<div className="bp-step-footer"><button type="button" className="bp-btn" onClick={()=>step>1?setStep(step-1):example()}>{step>1?'← Back':'View example'}</button><button className="bp-btn primary" type="submit">{step===3?'Build my plan →':'Continue →'}</button></div>{step===3&&<p className="bp-small" style={{marginTop:16}}>The pre-screen uses verified, dated rules and your reported answers. Pricing starts with example rates and credit-band MI estimates; update these when you have lender quotes.</p>}</form></div>}
  {!['intake','data'].includes(view)&&!valid&&<div className="bp-callout orange" role="status"><span className="symbol">!</span><div><h2>Your worksheet needs a few details.</h2><p>Complete the inputs to calculate a comparison. Missing numbers never become a zero-dollar estimate. You can edit rates and costs in Budget lab.</p><button className="bp-btn" style={{marginTop:12}} onClick={()=>{setStep(1);setErrors({});go('intake');}}>Complete my inputs</button></div></div>}
  {view==='plan'&&calc&&<><div className="bp-intro"><div><div className="bp-eyebrow">{demo?'MEET YOUR EXAMPLE PLAN':d.name?`${d.name}’S BUYER PLAN`:'YOUR BUYER PLAN'}</div><h1>A clearer path<br/>to your front door.</h1><p>{d.county} County, Illinois · {money(num(d.price))} target home · {d.timeline.toLowerCase()}</p></div><div className="bp-actions bp-no-print"><button className="bp-btn" onClick={()=>{setStep(1);setErrors({});go('intake');}}>Edit my inputs</button><button className="bp-btn primary" onClick={download}>Download my plan ↓</button></div></div><div className={'bp-callout'+(!calc.best?' orange':'')}><span className="symbol" aria-hidden="true">{calc.best?'↗':'↔'}</span><div><h2>{calc.best?!!calc.best.programId?'Assistance could help protect your savings.':'A path fits your boundaries and stated priority.':d.priority==='undecided'?'Your navigator can help resolve the tradeoff.':'Let’s review the obstacles before stretching your budget.'}</h2><p>{calc.best?`${calc.best.title} fits your cash and payment inputs in this illustration. ${!!calc.best.programId?'Its reported inputs pass the modeled program screen. Confirm eligibility and obtain a written quote.':'Ask a lender to confirm the numbers and loan eligibility.'}`:'No lead recommendation is assigned. Check the program results and diagnostic findings, then resolve the priority or remaining budget barriers with your navigator.'}</p><div className="bp-small" style={{marginTop:8}}>Planning estimate · {demo?'fictional buyer and assumptions':'editable rate and cost assumptions'} · pre-screen only; lender confirms</div></div></div><div className="bp-metrics"><div className="bp-card bp-metric"><span className="label">{calc.best?'Illustrated monthly total':'3% path monthly total'}</span><strong>{money(selected.monthly)}<small> / mo</small></strong><p>Your comfort limit: {money(num(d.comfort))}</p></div><div className="bp-card bp-metric"><span className="label">Cash needed for purchase</span><strong>{money(selected.needed)}</strong><p>Down payment + costs − assistance</p></div><div className="bp-card bp-metric"><span className="label">Savings left afterward</span><strong>{money(selected.remaining)}</strong><p>Your protected reserve: {money(num(d.reserve))}</p></div></div><div className="bp-section-head"><div><h2>Screen first. Compare the paths that remain.</h2><p>Monthly totals include taxes, insurance, HOA, mortgage insurance, and assistance payments.</p></div><button className="bp-btn soft bp-no-print" onClick={()=>go('lab')}>Adjust assumptions →</button></div>{comparison}<Diagnostics calc={calc} compact/><Screening calc={calc}/><div className="bp-bottom"><div className="bp-card"><div className="bp-eyebrow">YOUR NEXT CONVERSATION</div><h2>Turn uncertainty into three answers.</h2><ol className="bp-list"><li><span className="n">1</span><div><strong>Get comparable written quotes.</strong><p>Ask for the same home, date, and lock period. Include an option without assistance.</p></div></li><li><span className="n">2</span><div><strong>Verify the assistance details.</strong><p>Confirm county limits, borrower and spouse rules, funding, property eligibility, and repayment triggers.</p></div></li><li><span className="n">3</span><div><strong>Keep your cushion in the conversation.</strong><p>Tell your lender you want {money(num(d.reserve))} left over and a payment around {money(num(d.comfort))} or less.</p></div></li></ol><button className="bp-btn bp-no-print" onClick={()=>go('navigator')}>Open navigator case file →</button></div><div className="bp-card"><div className="bp-eyebrow">THE PART TO DOUBLE-CHECK</div><h2>A smaller cash bill has tradeoffs.</h2><p style={{fontSize:14,color:'var(--muted)',marginTop:14}}>{calc.best?.program?.terms||'Review the screened program terms with your navigator. No assistance is assumed for a path that did not pass the screen.'}</p><div className="bp-divider"/><p className="bp-small">The assisted rate is modeled separately. Your forced choice drives the order; repayment obligations still need a human review.</p><button className="bp-btn soft bp-no-print" style={{marginTop:17}} onClick={()=>go('programs')}>Explore assistance →</button></div></div></>}
  {view==='lab'&&<><div className="bp-intro"><div><div className="bp-eyebrow">BUDGET LAB</div><h1>Find your breathing room.</h1><p>Change the assumptions. See what happens to your payment and your savings.</p></div></div><div className="bp-lab"><div className="bp-card"><h2>Your boundaries</h2><div className="bp-grid" style={{marginTop:20}}>{field('price','Home price ($)')}{field('comfort','Comfortable monthly total ($)')}{field('cash','Savings before purchase ($)')}{field('reserve','Protected savings ($)')}</div><div className="bp-range-label"><label htmlFor="bp-price-range">Explore a different home price</label><strong>{d.price?money(num(d.price)):'—'}</strong></div><input id="bp-price-range" type="range" min="50000" max="700000" step="5000" value={d.price||50000} onChange={e=>set('price')(e.target.value)} aria-valuetext={d.price?money(num(d.price)):'No price entered'}/><Tradeoff value={d.priority} onChange={set('priority')} error={allErrors.priority}/><div className="bp-divider"/><h3>Editable assumptions, not live quotes</h3><p className="bp-small" style={{margin:'6px 0 18px'}}>Rates are examples. Mortgage insurance follows the credit band and loan amount unless you enter a lender quote.</p><div className="bp-grid">{field('rate','Conventional interest rate (%)')}{field('fhaRate','FHA interest rate (%)')}{field('assistRate','Assisted interest rate (%)')}{field('term','Unassisted term (years)',{options:['15','20','30'],hint:'IHDA uses 30 years; choosing 15 or 20 hides the assistance illustration.'})}{field('costs','Closing costs + prepaids (%)',{hint:'Percent of price; include applicable points and fees here.'})}{field('taxes','Property taxes / year ($)')}{field('insurance','Home insurance / year ($)')}{field('hoa','HOA / month ($)')}{field('credit','Mortgage credit band for MI examples',{options:CREDIT_OPTIONS})}{field('miMode','Mortgage insurance assumptions',{options:[['example','Use credit-band examples'],['manual','Enter lender-quoted monthly MI']]})}{d.miMode==='manual'?<>{field('mi','3% path mortgage insurance / month ($)')}{field('mi5','5% path mortgage insurance / month ($)')}{field('assistMi','Assisted mortgage insurance / month ($)')}</>:<div className="bp-wide bp-agent"><h3>Examples, not an insurance quote</h3><p className="bp-small">3% down: {money(miExample(d).monthly)}/mo ({miExample(d).annual}% annual MI); 5% down: {money(miExample(d,.05).monthly)}/mo. Updates with price and credit band. Assisted loans use the same standard-coverage example until a lender confirms any reduction.</p><p className="bp-small">Based on an <a href={SOURCES.mi} target="_blank" rel="noreferrer">archived MGIC rate card (2017)</a>, not 2026 pricing. Actual MI is risk-priced. {miExample(d).fallback?'Unknown or under-620 credit uses the 620–639 illustration; loan availability is not implied.':''}</p></div>}<div className="bp-wide bp-agent"><h3>FHA mortgage insurance</h3><p className="bp-small">The 1.75% upfront premium is added to the mortgage, not charged again in purchase cash. Monthly MIP uses HUD’s first-year schedule and varies with loan size and term. At 3.5% down it lasts for the mortgage term; future monthly amounts can change.</p><div style={{marginTop:12}}>{field('fhaMiMode','FHA monthly MIP',{options:[['example','Calculate first-year estimate'],['manual','Enter lender-quoted monthly MIP']]})}</div>{d.fhaMiMode==='manual'&&field('fhaMi','FHA mortgage insurance / month ($)')}<p className="bp-small" style={{marginTop:12}}><a href={SOURCES.fha} target="_blank" rel="noreferrer">HUD premium schedule</a> · <a href={SOURCES.fhaCalculation} target="_blank" rel="noreferrer">Calculation method</a></p></div><label className="bp-checkbox bp-wide"><input type="checkbox" checked={d.showConditional===true} onChange={e=>set('showConditional')(e.target.checked)}/><span>Show conditional assistance scenarios ({calc?.conditionalCount||0})<small className="bp-small" style={{display:'block'}}>Unresolved conditions stay visible. These paths cannot lead the recommendation.</small></span></label></div><p className="bp-small" style={{marginTop:18}}>Unassisted FHA and conventional loan eligibility is not screened. FHA assistance pairings, VA, USDA, credits, repairs, moving costs, and maintenance need separate review. This compares initial costs, not lifetime value.</p></div><div>{calc?<><div className="bp-card" aria-live="polite"><Field id="focus-path" label="Inspect a priced path" value={selected.id} options={calc.rows.map(r=>[r.id,r.title])} onChange={setFocusPath}/><span className="bp-pill" style={{marginTop:12}}>{selected.screenStatus==='conditional'?'Conditional — not recommended':selected.programId?'Pre-screen potential match':'Unassisted illustration'}</span><h2 style={{marginTop:18,fontSize:35}}>{money(selected.monthly)} <span className="bp-small">/ month</span></h2><p className="bp-small">{selected.fits?'Fits your budget inputs; lender verification remains.':'This path exceeds a budget boundary.'}</p><div className="bp-bar" role="img" aria-label="Monthly housing cost composition">{[[selected.pi,'#226354'],[num(d.taxes)/12,'#8faa79'],[num(d.insurance)/12,'#c3d7b3'],[selected.mi,'#e8bd88'],[num(d.hoa)+selected.second,'#bb6a4d']].map(([v,c],i)=><span key={i} style={{width:`${v/selected.monthly*100}%`,background:c}}/>)}</div><div className="bp-breakdown">{[['Principal & interest',selected.pi],['Property taxes',num(d.taxes)/12],['Home insurance',num(d.insurance)/12],[selected.fha?'FHA MIP — first year':'Mortgage insurance',selected.mi],['HOA',num(d.hoa)],['Assistance repayment',selected.second],['Total monthly housing',selected.monthly]].map(([k,v])=><div key={k}><span>{k}</span><strong>{money(v)}</strong></div>)}</div>{selected.fha&&<div className="bp-agent"><h3>How the FHA loan is built</h3><p className="bp-small">Base loan {money(selected.fhaDetail.basePrincipal)} + financed upfront MIP {money(selected.fhaDetail.upfront)} = mortgage {money(selected.principal)}. The upfront premium is included in P&I, not added again to purchase cash.</p><p className="bp-small">{selected.loanNote} <a href={SOURCES.fhaLimits} target="_blank" rel="noreferrer">Check the FHA county limit ↗</a></p></div>}<div className="bp-divider"/><div className="bp-breakdown">{[['Down payment',selected.down],['Estimated costs + prepaids',selected.costs],['Assistance modeled',-selected.assistance],['Purchase cash needed',selected.needed],['Savings after purchase',selected.remaining]].map(([k,v])=><div key={k}><span>{k}</span><strong>{money(v)}</strong></div>)}</div><p className="bp-small" style={{marginTop:16}}>Approximate debt-to-income ratio: {selected.dti==null?'unknown':pct(selected.dti)}. This uses reported income and debts, not an underwriting calculation.</p></div><div className="bp-callout orange" style={{marginTop:18}}><div><h3>What this estimate leaves open</h3><p style={{marginTop:8}}>Actual rates, insurance, taxes, qualifying income, and loan eligibility can change the result. Any assistance is conditional. Modeled assistance is capped at eligible costs after a minimum contribution; the lender confirms actual usage.</p></div></div></>:<div className="bp-card"><h2>Check your inputs</h2><ul>{Object.entries(allErrors).map(([k,v])=><li key={k} className="bp-small">{k}: {v}</li>)}</ul></div>}</div></div>{calc&&<><div className="bp-section-head"><h2>Your updated comparison</h2></div>{comparison}</>}</>}
  {view==='programs'&&<><div className="bp-intro"><div><div className="bp-eyebrow">ILLINOIS ASSISTANCE · PRE-SCREEN</div><h1>Which programs deserve a look?</h1><p>Each program is screened before it can appear in the comparison. A potential match still needs lender verification.</p></div></div>{calc&&<Screening calc={calc}/>}<div className="bp-programs" style={{marginTop:22}}>{PROGRAMS.map(p=>{const result=calc?.screen.results.find(r=>r.id===p.id);return <div className="bp-card bp-program" key={p.id}><span className={'bp-pill'+(result?.status!=='match'?' warn':'')}>{result?.label||'Complete intake first'}</span><h2>{p.name}</h2><div className="amount">Up to {money(p.cap)}</div><p>{p.terms}</p><div className="bp-divider"/><p className="bp-small">{result?.notes.join(' ')||'Full lender verification and funding reservation still required.'}</p><button className="bp-btn" disabled={!result?.canIllustrate} onClick={()=>{if(result.status==='conditional')setD(prev=>({...prev,showConditional:true}));setFocusPath('assisted-'+p.id);go('lab');}}>{result?.status==='conditional'?'Inspect conditional scenario →':'Inspect screened path →'}</button></div>})}</div><div className="bp-card" style={{marginTop:22}}><h3>Data scope and freshness</h3><p className="bp-small">{RULES.scope} Limits effective {RULES.effective}; reviewed {RULES.reviewed}; next review by {RULES.reviewBy}. After that date, screening blocks until the data is reviewed.</p><p className="bp-small"><a href={SOURCES.limitsPDF} target="_blank" rel="noreferrer">Official limits PDF</a> · <a href={SOURCES.factSheets} target="_blank" rel="noreferrer">Program fact sheets</a> · <a href={SOURCES.limits} target="_blank" rel="noreferrer">Property map</a></p></div></>}
  {view==='navigator'&&<><div className="bp-intro"><div><div className="bp-eyebrow">NAVIGATOR WORKSPACE</div><h1>The finding is the product.</h1><p>Connect what the buyer was told to what the screen and comparison actually show. Complete the human review before delivering a finding.</p></div>{calc&&<button className="bp-btn primary" onClick={()=>download(true)}>Download navigator case ↓</button>}</div>{calc&&<><Diagnostics calc={calc}/><Screening calc={calc}/><div className="bp-card" style={{marginTop:24}}><h2>Draft the one-page finding.</h2><p className="bp-small" style={{margin:'8px 0 20px'}}>A calculated flag is evidence to investigate. Record the finding, a primary path and backup, and what could change the conclusion. Editing buyer inputs clears this unsaved draft.</p><div className="bp-grid">{[['headline','Headline finding'],['missed','What appears missed / evidence'],['path','Recommended path'],['backup','One backup'],['change','What would change the finding?'],['action','Next action']].map(([key,label])=><Field key={key} id={'review-'+key} label={label} value={review[key]||''} onChange={value=>setReview(prev=>({...prev,[key]:value}))} type="textarea"/>)}<Field id="review-confidence" label="Confidence" value={review.confidence||'Not assessed'} options={['Not assessed','Low — key facts missing','Moderate — pre-screen supported','High — lender evidence obtained']} onChange={value=>setReview(prev=>({...prev,confidence:value}))}/><Field id="review-status" label="Finding status" value={review.status||'Draft — review pending'} options={['Draft — review pending','Reviewed — ready to discuss','Delivered to buyer']} onChange={value=>setReview(prev=>({...prev,status:value}))}/></div><div className="bp-actions" style={{marginTop:20}}><button className="bp-btn primary" onClick={()=>download(true)}>Download full case file</button><button className="bp-btn" onClick={()=>go('cases')}>Save with case notes →</button></div></div><details className="bp-card" style={{marginTop:22}}><summary><strong>Navigator case file preview</strong></summary><div className="bp-notes">{buildCaseFile(d,calc,demo,review)}</div></details><details className="bp-card" style={{marginTop:20}}><summary><strong>Program data and provenance — {d.county} County</strong></summary><p className="bp-small" style={{margin:'15px 0'}}>Version {RULES.version}. Explicit mapping: {COUNTIES.length} counties. PDF spelling normalized: La Salle → LaSalle; Vermillion → Vermilion. Targeted-area membership is separate from non-targeted groups.</p><div className="bp-table-wrap"><table><thead><tr><th>LIMIT BASIS</th><th>NON-TARGETED</th><th>TARGETED</th></tr></thead><tbody>{[['General income','income'],['Access Home, 1–2 people','home12'],['Access Home, 3+ people','home3'],['General 1-unit price','price'],['Access Home 1-unit price','homePrice']].map(([label,key])=><tr key={key}><td>{label}</td><td>{money(calc.screen.county?.nt?.[key])}</td><td>{calc.screen.county?.targeted?money(calc.screen.county.targeted[key]):'No targeted areas listed'}</td></tr>)}</tbody></table></div><p className="bp-small" style={{marginTop:14}}>Two-unit discrepancies: the official PDF gives general non-targeted $825,145 (web: $825,146), and Access Home targeted $886,289 (web: $866,289). Two-unit screening is blocked rather than silently choosing a source. One-unit tables agree with the verified Cook page.</p><a className="bp-small" href={SOURCES.limitsPDF} target="_blank" rel="noreferrer">Open source PDF ↗</a></details></>}</>}
  {view==='data'&&<RuleData initialCounty={d.county}/>}
  {view==='cases'&&<><div className="bp-intro"><div><div className="bp-eyebrow">CASE NOTES & NEXT STEPS</div><h1>Walk in with better questions.</h1><p>Your worksheet brings the numbers, tradeoffs, and open questions into one conversation.</p></div>{calc&&<button className="bp-btn primary" onClick={download}>Download lender prep ↓</button>}</div>{calc&&<div className="bp-bottom" style={{marginTop:0}}><div className="bp-card"><h2>Questions for your lender</h2>{getQuestions(d,calc).map((q,i)=><label className="bp-checkbox" key={q}><input type="checkbox" checked={!!checks[q]} onChange={e=>setChecks(prev=>({...prev,[q]:e.target.checked}))}/><span>{q}<small className="bp-small" style={{display:'block'}}>Mark when discussed; this does not verify eligibility.</small></span></label>)}<div className="bp-divider"/><a href={SOURCES.estimates} target="_blank" rel="noreferrer" className="bp-small">How to read an official Loan Estimate ↗</a></div><div className="bp-card"><h2>Keep a record, on your terms.</h2><p className="bp-small" style={{marginTop:12}}>Saving keeps financial inputs on this browser. Anyone with access to this browser profile may be able to open them. Nothing is sent to a lender or agent.</p><label className="bp-checkbox"><input type="checkbox" checked={consent} onChange={e=>setConsent(e.target.checked)}/><span>Save this case on this browser.</span></label><button className="bp-btn primary" onClick={saveCase} disabled={!consent}>Save current case</button><p className="bp-small" style={{marginTop:14}}>Prefer no browser storage? Download your worksheet instead. Follow-up dates are a manual checklist; no messages or reminders are sent.</p><div className="bp-divider"/><h3>Agent-safe snapshot</h3><p className="bp-small" style={{marginTop:5}}>Exact income, credit, and savings are left out.</p><div className="bp-agent bp-small">Searching in {d.county} County · Target price {money(num(d.price))} · Timeline: {d.timeline}. Program pre-screen and financing illustrations prepared; lender verification pending.</div><button className="bp-btn" style={{marginTop:12}} onClick={downloadAgent}>Download agent snapshot</button><p className="bp-small" style={{marginTop:12}}>Share only the information you choose.</p></div></div>}<div className="bp-section-head"><h2>Saved cases <span className="bp-small">({cases.length})</span></h2></div>{!cases.length&&<div className="bp-card bp-empty"><h3>No saved cases yet.</h3><p className="bp-small" style={{marginTop:7}}>Save a worksheet to track lender feedback and your next step.</p></div>}{cases.map(c=><div key={c.id} className="bp-card bp-case"><header><div><h3>{c.demo?'Example case':c.data.name||'Buyer case'}</h3><p className="bp-small">{c.created} · {c.data.county} County · {money(num(c.data.price))}</p></div><div className="bp-actions"><button className="bp-btn" onClick={()=>{setD(normalizeData(c.data));setReview(c.review||{});setFocusPath('');setDemo(c.demo);setChecks(c.checks||{});go('plan');}}>Open</button><button className="bp-btn" aria-label={`Delete ${c.demo?'example':c.data.name||'buyer'} case`} onClick={()=>{if(window.confirm('Delete this saved case from this browser?'))persist(cases.filter(x=>x.id!==c.id));}}>Delete</button></div></header><div className="bp-grid" style={{marginTop:17}}><Field id={'status-'+c.id} label="Current status" value={c.status} onChange={v=>updateCase(c.id,{status:v})} options={['Review pending','Finding delivered','Lender reviewed','Applied','Closed','Paused','Fell through']}/>{['Paused','Fell through'].includes(c.status)&&<Field id={'reason-'+c.id} label="What happened?" value={c.reason} onChange={v=>updateCase(c.id,{reason:v})} options={['','Funding unavailable','Income or credit rules','Monthly payment too high','Cash shortfall','Property or offer issue','Chose another path','Personal timing','Program waitlist','Lender would not originate program','DTI at underwriting','Lost home / offer not accepted','Other']}/>}<Field id={'note-'+c.id} label="Lender feedback / next step" value={c.notes} type="textarea" wide onChange={v=>updateCase(c.id,{notes:v})}/></div><div className="bp-actions">{c.followups.map((f,i)=><label className="bp-checkbox" key={f.days}><input type="checkbox" checked={f.done} onChange={e=>updateCase(c.id,{followups:c.followups.map((a,j)=>j===i?{...a,done:e.target.checked}:a)})}/>{f.days}-day check · {f.date}</label>)}</div><details><summary className="bp-small" style={{cursor:'pointer'}}>View the worksheet saved on {c.created}</summary><div className="bp-notes">{c.summary}</div></details>{c.navigatorFile&&<details><summary className="bp-small">View saved navigator finding and rule snapshot</summary><div className="bp-notes">{c.navigatorFile}</div></details>}</div>)}</>}
  <footer className="bp-foot"><span>Buyer Path · Diagnostic prototype v{VERSION} · Pre-screen only · no approval.</span><span><a href={SOURCES.programs} target="_blank" rel="noreferrer">IHDA</a> · <a href={SOURCES.estimates} target="_blank" rel="noreferrer">Loan Estimate guide</a>{typeof document!=="undefined"&&document.getElementById("buyer-path-source")&&<> · <button className="bp-cant" style={{padding:0}} onClick={downloadSource}>Source for this page ↓</button></>}</span></footer></main></div></div>;
}
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