@claritylabs/cl-sdk 0.7.2 → 0.7.4

package/dist/index.mjs

@@ -77,14 +77,70 @@ function sanitizeNulls(obj) {
   return obj;
 }
 
+// src/core/strict-schema.ts
+import { z } from "zod";
+function toStrictSchema(schema) {
+  const def = schema._zod?.def;
+  const typeName = def?.type ?? schema.type;
+  if (typeName === "object") {
+    const shape = schema.shape;
+    if (!shape) return schema;
+    const newShape = {};
+    for (const [key, value] of Object.entries(shape)) {
+      const field = value;
+      const fieldDef = field._zod?.def;
+      const fieldType = fieldDef?.type ?? field.type;
+      if (fieldType === "optional") {
+        const innerType = fieldDef?.innerType;
+        const description = field.description ?? fieldDef?.description ?? field._zod?.def?.description;
+        if (innerType) {
+          const transformed = toStrictSchema(innerType);
+          let nullable = z.nullable(transformed);
+          if (description) nullable = nullable.describe(description);
+          newShape[key] = nullable;
+        } else {
+          let nullable = z.nullable(field);
+          if (description) nullable = nullable.describe(description);
+          newShape[key] = nullable;
+        }
+      } else {
+        newShape[key] = toStrictSchema(field);
+      }
+    }
+    const objDesc = schema.description ?? def?.description ?? schema._zod?.def?.description;
+    const result = z.object(newShape);
+    return objDesc ? result.describe(objDesc) : result;
+  }
+  if (typeName === "array") {
+    const element = def?.element ?? schema.element;
+    if (element) {
+      const arrDesc = schema.description ?? def?.description ?? schema._zod?.def?.description;
+      const result = z.array(toStrictSchema(element));
+      return arrDesc ? result.describe(arrDesc) : result;
+    }
+    return schema;
+  }
+  if (typeName === "nullable") {
+    const innerType = def?.innerType;
+    if (innerType) {
+      const nullDesc = schema.description ?? def?.description ?? schema._zod?.def?.description;
+      const result = z.nullable(toStrictSchema(innerType));
+      return nullDesc ? result.describe(nullDesc) : result;
+    }
+    return schema;
+  }
+  return schema;
+}
+
 // src/core/safe-generate.ts
 async function safeGenerateObject(generateObject, params, options) {
   const maxRetries = options?.maxRetries ?? 1;
   let lastError;
+  const strictParams = { ...params, schema: toStrictSchema(params.schema) };
   for (let attempt = 0; attempt <= maxRetries; attempt++) {
     try {
       const result = await withRetry(
-        () => generateObject(params),
+        () => generateObject(strictParams),
         options?.log
       );
       return result;
@@ -141,8 +197,8 @@ function createPipelineContext(opts) {
 }
 
 // src/schemas/enums.ts
-import { z } from "zod";
-var PolicyTypeSchema = z.enum([
+import { z as z2 } from "zod";
+var PolicyTypeSchema = z2.enum([
   // Commercial lines
   "general_liability",
   "commercial_property",
@@ -189,7 +245,7 @@ var PolicyTypeSchema = z.enum([
   "other"
 ]);
 var POLICY_TYPES = PolicyTypeSchema.options;
-var EndorsementTypeSchema = z.enum([
+var EndorsementTypeSchema = z2.enum([
   "additional_insured",
   "waiver_of_subrogation",
   "primary_noncontributory",
@@ -210,7 +266,7 @@ var EndorsementTypeSchema = z.enum([
   "other"
 ]);
 var ENDORSEMENT_TYPES = EndorsementTypeSchema.options;
-var ConditionTypeSchema = z.enum([
+var ConditionTypeSchema = z2.enum([
   "duties_after_loss",
   "notice_requirements",
   "other_insurance",
@@ -230,7 +286,7 @@ var ConditionTypeSchema = z.enum([
   "other"
 ]);
 var CONDITION_TYPES = ConditionTypeSchema.options;
-var PolicySectionTypeSchema = z.enum([
+var PolicySectionTypeSchema = z2.enum([
   "declarations",
   "insuring_agreement",
   "policy_form",
@@ -245,7 +301,7 @@ var PolicySectionTypeSchema = z.enum([
   "other"
 ]);
 var POLICY_SECTION_TYPES = PolicySectionTypeSchema.options;
-var QuoteSectionTypeSchema = z.enum([
+var QuoteSectionTypeSchema = z2.enum([
   "terms_summary",
   "premium_indication",
   "underwriting_condition",
@@ -255,13 +311,13 @@ var QuoteSectionTypeSchema = z.enum([
   "other"
 ]);
 var QUOTE_SECTION_TYPES = QuoteSectionTypeSchema.options;
-var CoverageFormSchema = z.enum(["occurrence", "claims_made", "accident"]);
+var CoverageFormSchema = z2.enum(["occurrence", "claims_made", "accident"]);
 var COVERAGE_FORMS = CoverageFormSchema.options;
-var PolicyTermTypeSchema = z.enum(["fixed", "continuous"]);
+var PolicyTermTypeSchema = z2.enum(["fixed", "continuous"]);
 var POLICY_TERM_TYPES = PolicyTermTypeSchema.options;
-var CoverageTriggerSchema = z.enum(["occurrence", "claims_made", "accident"]);
+var CoverageTriggerSchema = z2.enum(["occurrence", "claims_made", "accident"]);
 var COVERAGE_TRIGGERS = CoverageTriggerSchema.options;
-var LimitTypeSchema = z.enum([
+var LimitTypeSchema = z2.enum([
   "per_occurrence",
   "per_claim",
   "aggregate",
@@ -272,7 +328,7 @@ var LimitTypeSchema = z.enum([
   "scheduled"
 ]);
 var LIMIT_TYPES = LimitTypeSchema.options;
-var DeductibleTypeSchema = z.enum([
+var DeductibleTypeSchema = z2.enum([
   "per_occurrence",
   "per_claim",
   "aggregate",
@@ -280,16 +336,16 @@ var DeductibleTypeSchema = z.enum([
   "waiting_period"
 ]);
 var DEDUCTIBLE_TYPES = DeductibleTypeSchema.options;
-var ValuationMethodSchema = z.enum([
+var ValuationMethodSchema = z2.enum([
   "replacement_cost",
   "actual_cash_value",
   "agreed_value",
   "functional_replacement"
 ]);
 var VALUATION_METHODS = ValuationMethodSchema.options;
-var DefenseCostTreatmentSchema = z.enum(["inside_limits", "outside_limits", "supplementary"]);
+var DefenseCostTreatmentSchema = z2.enum(["inside_limits", "outside_limits", "supplementary"]);
 var DEFENSE_COST_TREATMENTS = DefenseCostTreatmentSchema.options;
-var EntityTypeSchema = z.enum([
+var EntityTypeSchema = z2.enum([
   "corporation",
   "llc",
   "partnership",
@@ -303,9 +359,9 @@ var EntityTypeSchema = z.enum([
   "other"
 ]);
 var ENTITY_TYPES = EntityTypeSchema.options;
-var AdmittedStatusSchema = z.enum(["admitted", "non_admitted", "surplus_lines"]);
+var AdmittedStatusSchema = z2.enum(["admitted", "non_admitted", "surplus_lines"]);
 var ADMITTED_STATUSES = AdmittedStatusSchema.options;
-var AuditTypeSchema = z.enum([
+var AuditTypeSchema = z2.enum([
   "annual",
   "semi_annual",
   "quarterly",
@@ -315,7 +371,7 @@ var AuditTypeSchema = z.enum([
   "none"
 ]);
 var AUDIT_TYPES = AuditTypeSchema.options;
-var EndorsementPartyRoleSchema = z.enum([
+var EndorsementPartyRoleSchema = z2.enum([
   "additional_insured",
   "loss_payee",
   "mortgage_holder",
@@ -324,13 +380,13 @@ var EndorsementPartyRoleSchema = z.enum([
   "other"
 ]);
 var ENDORSEMENT_PARTY_ROLES = EndorsementPartyRoleSchema.options;
-var ClaimStatusSchema = z.enum(["open", "closed", "reopened"]);
+var ClaimStatusSchema = z2.enum(["open", "closed", "reopened"]);
 var CLAIM_STATUSES = ClaimStatusSchema.options;
-var SubjectivityCategorySchema = z.enum(["pre_binding", "post_binding", "information"]);
+var SubjectivityCategorySchema = z2.enum(["pre_binding", "post_binding", "information"]);
 var SUBJECTIVITY_CATEGORIES = SubjectivityCategorySchema.options;
-var DocumentTypeSchema = z.enum(["policy", "quote", "binder", "endorsement", "certificate"]);
+var DocumentTypeSchema = z2.enum(["policy", "quote", "binder", "endorsement", "certificate"]);
 var DOCUMENT_TYPES = DocumentTypeSchema.options;
-var ChunkTypeSchema = z.enum([
+var ChunkTypeSchema = z2.enum([
   "declarations",
   "coverage_form",
   "endorsement",
@@ -339,7 +395,7 @@ var ChunkTypeSchema = z.enum([
   "mixed"
 ]);
 var CHUNK_TYPES = ChunkTypeSchema.options;
-var RatingBasisTypeSchema = z.enum([
+var RatingBasisTypeSchema = z2.enum([
   "payroll",
   "revenue",
   "area",
@@ -353,7 +409,7 @@ var RatingBasisTypeSchema = z.enum([
   "other"
 ]);
 var RATING_BASIS_TYPES = RatingBasisTypeSchema.options;
-var VehicleCoverageTypeSchema = z.enum([
+var VehicleCoverageTypeSchema = z2.enum([
   "liability",
   "collision",
   "comprehensive",
@@ -366,32 +422,32 @@ var VehicleCoverageTypeSchema = z.enum([
   "physical_damage"
 ]);
 var VEHICLE_COVERAGE_TYPES = VehicleCoverageTypeSchema.options;
-var HomeownersFormTypeSchema = z.enum(["HO-3", "HO-5", "HO-4", "HO-6", "HO-7", "HO-8"]);
+var HomeownersFormTypeSchema = z2.enum(["HO-3", "HO-5", "HO-4", "HO-6", "HO-7", "HO-8"]);
 var HOMEOWNERS_FORM_TYPES = HomeownersFormTypeSchema.options;
-var DwellingFireFormTypeSchema = z.enum(["DP-1", "DP-2", "DP-3"]);
+var DwellingFireFormTypeSchema = z2.enum(["DP-1", "DP-2", "DP-3"]);
 var DWELLING_FIRE_FORM_TYPES = DwellingFireFormTypeSchema.options;
-var FloodZoneSchema = z.enum(["A", "AE", "AH", "AO", "AR", "V", "VE", "B", "C", "X", "D"]);
+var FloodZoneSchema = z2.enum(["A", "AE", "AH", "AO", "AR", "V", "VE", "B", "C", "X", "D"]);
 var FLOOD_ZONES = FloodZoneSchema.options;
-var ConstructionTypeSchema = z.enum(["frame", "masonry", "superior", "mixed", "other"]);
+var ConstructionTypeSchema = z2.enum(["frame", "masonry", "superior", "mixed", "other"]);
 var CONSTRUCTION_TYPES = ConstructionTypeSchema.options;
-var RoofTypeSchema = z.enum(["asphalt_shingle", "tile", "metal", "slate", "flat", "wood_shake", "other"]);
+var RoofTypeSchema = z2.enum(["asphalt_shingle", "tile", "metal", "slate", "flat", "wood_shake", "other"]);
 var ROOF_TYPES = RoofTypeSchema.options;
-var FoundationTypeSchema = z.enum(["basement", "crawl_space", "slab", "pier", "other"]);
+var FoundationTypeSchema = z2.enum(["basement", "crawl_space", "slab", "pier", "other"]);
 var FOUNDATION_TYPES = FoundationTypeSchema.options;
-var PersonalAutoUsageSchema = z.enum(["pleasure", "commute", "business", "farm"]);
+var PersonalAutoUsageSchema = z2.enum(["pleasure", "commute", "business", "farm"]);
 var PERSONAL_AUTO_USAGES = PersonalAutoUsageSchema.options;
-var LossSettlementSchema = z.enum([
+var LossSettlementSchema = z2.enum([
   "replacement_cost",
   "actual_cash_value",
   "extended_replacement_cost",
   "guaranteed_replacement_cost"
 ]);
 var LOSS_SETTLEMENTS = LossSettlementSchema.options;
-var BoatTypeSchema = z.enum(["sailboat", "powerboat", "pontoon", "jet_ski", "kayak_canoe", "yacht", "other"]);
+var BoatTypeSchema = z2.enum(["sailboat", "powerboat", "pontoon", "jet_ski", "kayak_canoe", "yacht", "other"]);
 var BOAT_TYPES = BoatTypeSchema.options;
-var RVTypeSchema = z.enum(["rv_motorhome", "travel_trailer", "atv", "snowmobile", "golf_cart", "dirt_bike", "other"]);
+var RVTypeSchema = z2.enum(["rv_motorhome", "travel_trailer", "atv", "snowmobile", "golf_cart", "dirt_bike", "other"]);
 var RV_TYPES = RVTypeSchema.options;
-var ScheduledItemCategorySchema = z.enum([
+var ScheduledItemCategorySchema = z2.enum([
   "jewelry",
   "fine_art",
   "musical_instruments",
@@ -404,691 +460,691 @@ var ScheduledItemCategorySchema = z.enum([
   "other"
 ]);
 var SCHEDULED_ITEM_CATEGORIES = ScheduledItemCategorySchema.options;
-var TitlePolicyTypeSchema = z.enum(["owners", "lenders"]);
+var TitlePolicyTypeSchema = z2.enum(["owners", "lenders"]);
 var TITLE_POLICY_TYPES = TitlePolicyTypeSchema.options;
-var PetSpeciesSchema = z.enum(["dog", "cat", "other"]);
+var PetSpeciesSchema = z2.enum(["dog", "cat", "other"]);
 var PET_SPECIES = PetSpeciesSchema.options;
 
 // src/schemas/shared.ts
-import { z as z2 } from "zod";
-var AddressSchema = z2.object({
-  street1: z2.string(),
-  street2: z2.string().optional(),
-  city: z2.string(),
-  state: z2.string(),
-  zip: z2.string(),
-  country: z2.string().optional()
+import { z as z3 } from "zod";
+var AddressSchema = z3.object({
+  street1: z3.string(),
+  street2: z3.string().optional(),
+  city: z3.string(),
+  state: z3.string(),
+  zip: z3.string(),
+  country: z3.string().optional()
 });
-var ContactSchema = z2.object({
-  name: z2.string().optional(),
-  title: z2.string().optional(),
-  type: z2.string().optional(),
-  phone: z2.string().optional(),
-  fax: z2.string().optional(),
-  email: z2.string().optional(),
+var ContactSchema = z3.object({
+  name: z3.string().optional(),
+  title: z3.string().optional(),
+  type: z3.string().optional(),
+  phone: z3.string().optional(),
+  fax: z3.string().optional(),
+  email: z3.string().optional(),
   address: AddressSchema.optional(),
-  hours: z2.string().optional()
+  hours: z3.string().optional()
 });
-var FormReferenceSchema = z2.object({
-  formNumber: z2.string(),
-  editionDate: z2.string().optional(),
-  title: z2.string().optional(),
-  formType: z2.enum(["coverage", "endorsement", "declarations", "application", "notice", "other"])
+var FormReferenceSchema = z3.object({
+  formNumber: z3.string(),
+  editionDate: z3.string().optional(),
+  title: z3.string().optional(),
+  formType: z3.enum(["coverage", "endorsement", "declarations", "application", "notice", "other"])
 });
-var TaxFeeItemSchema = z2.object({
-  name: z2.string(),
-  amount: z2.string(),
-  type: z2.enum(["tax", "fee", "surcharge", "assessment"]).optional(),
-  description: z2.string().optional()
+var TaxFeeItemSchema = z3.object({
+  name: z3.string(),
+  amount: z3.string(),
+  type: z3.enum(["tax", "fee", "surcharge", "assessment"]).optional(),
+  description: z3.string().optional()
 });
-var RatingBasisSchema = z2.object({
+var RatingBasisSchema = z3.object({
   type: RatingBasisTypeSchema,
-  amount: z2.string().optional(),
-  description: z2.string().optional()
+  amount: z3.string().optional(),
+  description: z3.string().optional()
 });
-var SublimitSchema = z2.object({
-  name: z2.string(),
-  limit: z2.string(),
-  appliesTo: z2.string().optional(),
-  deductible: z2.string().optional()
+var SublimitSchema = z3.object({
+  name: z3.string(),
+  limit: z3.string(),
+  appliesTo: z3.string().optional(),
+  deductible: z3.string().optional()
 });
-var SharedLimitSchema = z2.object({
-  description: z2.string(),
-  limit: z2.string(),
-  coverageParts: z2.array(z2.string())
+var SharedLimitSchema = z3.object({
+  description: z3.string(),
+  limit: z3.string(),
+  coverageParts: z3.array(z3.string())
 });
-var ExtendedReportingPeriodSchema = z2.object({
-  basicDays: z2.number().optional(),
-  supplementalYears: z2.number().optional(),
-  supplementalPremium: z2.string().optional()
+var ExtendedReportingPeriodSchema = z3.object({
+  basicDays: z3.number().optional(),
+  supplementalYears: z3.number().optional(),
+  supplementalPremium: z3.string().optional()
 });
-var NamedInsuredSchema = z2.object({
-  name: z2.string(),
-  relationship: z2.string().optional(),
+var NamedInsuredSchema = z3.object({
+  name: z3.string(),
+  relationship: z3.string().optional(),
   address: AddressSchema.optional()
 });
 
 // src/schemas/coverage.ts
-import { z as z3 } from "zod";
-var CoverageSchema = z3.object({
-  name: z3.string(),
-  limit: z3.string(),
-  deductible: z3.string().optional(),
-  pageNumber: z3.number().optional(),
-  sectionRef: z3.string().optional()
+import { z as z4 } from "zod";
+var CoverageSchema = z4.object({
+  name: z4.string(),
+  limit: z4.string(),
+  deductible: z4.string().optional(),
+  pageNumber: z4.number().optional(),
+  sectionRef: z4.string().optional()
 });
-var EnrichedCoverageSchema = z3.object({
-  name: z3.string(),
-  coverageCode: z3.string().optional(),
-  formNumber: z3.string().optional(),
-  formEditionDate: z3.string().optional(),
-  limit: z3.string(),
+var EnrichedCoverageSchema = z4.object({
+  name: z4.string(),
+  coverageCode: z4.string().optional(),
+  formNumber: z4.string().optional(),
+  formEditionDate: z4.string().optional(),
+  limit: z4.string(),
   limitType: LimitTypeSchema.optional(),
-  deductible: z3.string().optional(),
+  deductible: z4.string().optional(),
   deductibleType: DeductibleTypeSchema.optional(),
-  sir: z3.string().optional(),
-  sublimit: z3.string().optional(),
-  coinsurance: z3.string().optional(),
+  sir: z4.string().optional(),
+  sublimit: z4.string().optional(),
+  coinsurance: z4.string().optional(),
   valuation: ValuationMethodSchema.optional(),
-  territory: z3.string().optional(),
+  territory: z4.string().optional(),
   trigger: CoverageTriggerSchema.optional(),
-  retroactiveDate: z3.string().optional(),
-  included: z3.boolean(),
-  premium: z3.string().optional(),
-  pageNumber: z3.number().optional(),
-  sectionRef: z3.string().optional()
+  retroactiveDate: z4.string().optional(),
+  included: z4.boolean(),
+  premium: z4.string().optional(),
+  pageNumber: z4.number().optional(),
+  sectionRef: z4.string().optional()
 });
 
 // src/schemas/endorsement.ts
-import { z as z4 } from "zod";
-var EndorsementPartySchema = z4.object({
-  name: z4.string(),
+import { z as z5 } from "zod";
+var EndorsementPartySchema = z5.object({
+  name: z5.string(),
   role: EndorsementPartyRoleSchema,
   address: AddressSchema.optional(),
-  relationship: z4.string().optional(),
-  scope: z4.string().optional()
+  relationship: z5.string().optional(),
+  scope: z5.string().optional()
 });
-var EndorsementSchema = z4.object({
-  formNumber: z4.string(),
-  editionDate: z4.string().optional(),
-  title: z4.string(),
+var EndorsementSchema = z5.object({
+  formNumber: z5.string(),
+  editionDate: z5.string().optional(),
+  title: z5.string(),
   endorsementType: EndorsementTypeSchema,
-  effectiveDate: z4.string().optional(),
-  affectedCoverageParts: z4.array(z4.string()).optional(),
-  namedParties: z4.array(EndorsementPartySchema).optional(),
-  keyTerms: z4.array(z4.string()).optional(),
-  premiumImpact: z4.string().optional(),
-  content: z4.string(),
-  pageStart: z4.number(),
-  pageEnd: z4.number().optional()
+  effectiveDate: z5.string().optional(),
+  affectedCoverageParts: z5.array(z5.string()).optional(),
+  namedParties: z5.array(EndorsementPartySchema).optional(),
+  keyTerms: z5.array(z5.string()).optional(),
+  premiumImpact: z5.string().optional(),
+  content: z5.string(),
+  pageStart: z5.number(),
+  pageEnd: z5.number().optional()
 });
 
 // src/schemas/exclusion.ts
-import { z as z5 } from "zod";
-var ExclusionSchema = z5.object({
-  name: z5.string(),
-  formNumber: z5.string().optional(),
-  excludedPerils: z5.array(z5.string()).optional(),
-  isAbsolute: z5.boolean().optional(),
-  exceptions: z5.array(z5.string()).optional(),
-  buybackAvailable: z5.boolean().optional(),
-  buybackEndorsement: z5.string().optional(),
-  appliesTo: z5.array(z5.string()).optional(),
-  content: z5.string(),
-  pageNumber: z5.number().optional()
+import { z as z6 } from "zod";
+var ExclusionSchema = z6.object({
+  name: z6.string(),
+  formNumber: z6.string().optional(),
+  excludedPerils: z6.array(z6.string()).optional(),
+  isAbsolute: z6.boolean().optional(),
+  exceptions: z6.array(z6.string()).optional(),
+  buybackAvailable: z6.boolean().optional(),
+  buybackEndorsement: z6.string().optional(),
+  appliesTo: z6.array(z6.string()).optional(),
+  content: z6.string(),
+  pageNumber: z6.number().optional()
 });
 
 // src/schemas/condition.ts
-import { z as z6 } from "zod";
-var ConditionKeyValueSchema = z6.object({
-  key: z6.string(),
-  value: z6.string()
+import { z as z7 } from "zod";
+var ConditionKeyValueSchema = z7.object({
+  key: z7.string(),
+  value: z7.string()
 });
-var PolicyConditionSchema = z6.object({
-  name: z6.string(),
+var PolicyConditionSchema = z7.object({
+  name: z7.string(),
   conditionType: ConditionTypeSchema,
-  content: z6.string(),
-  keyValues: z6.array(ConditionKeyValueSchema).optional(),
-  pageNumber: z6.number().optional()
+  content: z7.string(),
+  keyValues: z7.array(ConditionKeyValueSchema).optional(),
+  pageNumber: z7.number().optional()
 });
 
 // src/schemas/parties.ts
-import { z as z7 } from "zod";
-var InsurerInfoSchema = z7.object({
-  legalName: z7.string(),
-  naicNumber: z7.string().optional(),
-  amBestRating: z7.string().optional(),
-  amBestNumber: z7.string().optional(),
+import { z as z8 } from "zod";
+var InsurerInfoSchema = z8.object({
+  legalName: z8.string(),
+  naicNumber: z8.string().optional(),
+  amBestRating: z8.string().optional(),
+  amBestNumber: z8.string().optional(),
   admittedStatus: AdmittedStatusSchema.optional(),
-  stateOfDomicile: z7.string().optional()
+  stateOfDomicile: z8.string().optional()
 });
-var ProducerInfoSchema = z7.object({
-  agencyName: z7.string(),
-  contactName: z7.string().optional(),
-  licenseNumber: z7.string().optional(),
-  phone: z7.string().optional(),
-  email: z7.string().optional(),
+var ProducerInfoSchema = z8.object({
+  agencyName: z8.string(),
+  contactName: z8.string().optional(),
+  licenseNumber: z8.string().optional(),
+  phone: z8.string().optional(),
+  email: z8.string().optional(),
   address: AddressSchema.optional()
 });
 
 // src/schemas/financial.ts
-import { z as z8 } from "zod";
-var PaymentInstallmentSchema = z8.object({
-  dueDate: z8.string(),
-  amount: z8.string(),
-  description: z8.string().optional()
+import { z as z9 } from "zod";
+var PaymentInstallmentSchema = z9.object({
+  dueDate: z9.string(),
+  amount: z9.string(),
+  description: z9.string().optional()
 });
-var PaymentPlanSchema = z8.object({
-  installments: z8.array(PaymentInstallmentSchema),
-  financeCharge: z8.string().optional()
+var PaymentPlanSchema = z9.object({
+  installments: z9.array(PaymentInstallmentSchema),
+  financeCharge: z9.string().optional()
 });
-var LocationPremiumSchema = z8.object({
-  locationNumber: z8.number(),
-  premium: z8.string(),
-  description: z8.string().optional()
+var LocationPremiumSchema = z9.object({
+  locationNumber: z9.number(),
+  premium: z9.string(),
+  description: z9.string().optional()
 });
 
 // src/schemas/loss-history.ts
-import { z as z9 } from "zod";
-var ClaimRecordSchema = z9.object({
-  dateOfLoss: z9.string(),
-  claimNumber: z9.string().optional(),
-  description: z9.string(),
+import { z as z10 } from "zod";
+var ClaimRecordSchema = z10.object({
+  dateOfLoss: z10.string(),
+  claimNumber: z10.string().optional(),
+  description: z10.string(),
   status: ClaimStatusSchema,
-  paid: z9.string().optional(),
-  reserved: z9.string().optional(),
-  incurred: z9.string().optional(),
-  claimant: z9.string().optional(),
-  coverageLine: z9.string().optional()
+  paid: z10.string().optional(),
+  reserved: z10.string().optional(),
+  incurred: z10.string().optional(),
+  claimant: z10.string().optional(),
+  coverageLine: z10.string().optional()
 });
-var LossSummarySchema = z9.object({
-  period: z9.string().optional(),
-  totalClaims: z9.number().optional(),
-  totalIncurred: z9.string().optional(),
-  totalPaid: z9.string().optional(),
-  totalReserved: z9.string().optional(),
-  lossRatio: z9.string().optional()
+var LossSummarySchema = z10.object({
+  period: z10.string().optional(),
+  totalClaims: z10.number().optional(),
+  totalIncurred: z10.string().optional(),
+  totalPaid: z10.string().optional(),
+  totalReserved: z10.string().optional(),
+  lossRatio: z10.string().optional()
 });
-var ExperienceModSchema = z9.object({
-  factor: z9.number(),
-  effectiveDate: z9.string().optional(),
-  state: z9.string().optional()
+var ExperienceModSchema = z10.object({
+  factor: z10.number(),
+  effectiveDate: z10.string().optional(),
+  state: z10.string().optional()
 });
 
 // src/schemas/underwriting.ts
-import { z as z10 } from "zod";
-var EnrichedSubjectivitySchema = z10.object({
-  description: z10.string(),
+import { z as z11 } from "zod";
+var EnrichedSubjectivitySchema = z11.object({
+  description: z11.string(),
   category: SubjectivityCategorySchema.optional(),
-  dueDate: z10.string().optional(),
-  status: z10.enum(["open", "satisfied", "waived"]).optional(),
-  pageNumber: z10.number().optional()
+  dueDate: z11.string().optional(),
+  status: z11.enum(["open", "satisfied", "waived"]).optional(),
+  pageNumber: z11.number().optional()
 });
-var EnrichedUnderwritingConditionSchema = z10.object({
-  description: z10.string(),
-  category: z10.string().optional(),
-  pageNumber: z10.number().optional()
+var EnrichedUnderwritingConditionSchema = z11.object({
+  description: z11.string(),
+  category: z11.string().optional(),
+  pageNumber: z11.number().optional()
 });
-var BindingAuthoritySchema = z10.object({
-  authorizedBy: z10.string().optional(),
-  method: z10.string().optional(),
-  expiration: z10.string().optional(),
-  conditions: z10.array(z10.string()).optional()
+var BindingAuthoritySchema = z11.object({
+  authorizedBy: z11.string().optional(),
+  method: z11.string().optional(),
+  expiration: z11.string().optional(),
+  conditions: z11.array(z11.string()).optional()
 });
 
 // src/schemas/declarations/index.ts
-import { z as z14 } from "zod";
+import { z as z15 } from "zod";
 
 // src/schemas/declarations/personal.ts
-import { z as z12 } from "zod";
+import { z as z13 } from "zod";
 
 // src/schemas/declarations/shared.ts
-import { z as z11 } from "zod";
-var EmployersLiabilityLimitsSchema = z11.object({
-  eachAccident: z11.string(),
-  diseasePolicyLimit: z11.string(),
-  diseaseEachEmployee: z11.string()
+import { z as z12 } from "zod";
+var EmployersLiabilityLimitsSchema = z12.object({
+  eachAccident: z12.string(),
+  diseasePolicyLimit: z12.string(),
+  diseaseEachEmployee: z12.string()
 });
-var LimitScheduleSchema = z11.object({
-  perOccurrence: z11.string().optional(),
-  generalAggregate: z11.string().optional(),
-  productsCompletedOpsAggregate: z11.string().optional(),
-  personalAdvertisingInjury: z11.string().optional(),
-  eachEmployee: z11.string().optional(),
-  fireDamage: z11.string().optional(),
-  medicalExpense: z11.string().optional(),
-  combinedSingleLimit: z11.string().optional(),
-  bodilyInjuryPerPerson: z11.string().optional(),
-  bodilyInjuryPerAccident: z11.string().optional(),
-  propertyDamage: z11.string().optional(),
-  eachOccurrenceUmbrella: z11.string().optional(),
-  umbrellaAggregate: z11.string().optional(),
-  umbrellaRetention: z11.string().optional(),
-  statutory: z11.boolean().optional(),
+var LimitScheduleSchema = z12.object({
+  perOccurrence: z12.string().optional(),
+  generalAggregate: z12.string().optional(),
+  productsCompletedOpsAggregate: z12.string().optional(),
+  personalAdvertisingInjury: z12.string().optional(),
+  eachEmployee: z12.string().optional(),
+  fireDamage: z12.string().optional(),
+  medicalExpense: z12.string().optional(),
+  combinedSingleLimit: z12.string().optional(),
+  bodilyInjuryPerPerson: z12.string().optional(),
+  bodilyInjuryPerAccident: z12.string().optional(),
+  propertyDamage: z12.string().optional(),
+  eachOccurrenceUmbrella: z12.string().optional(),
+  umbrellaAggregate: z12.string().optional(),
+  umbrellaRetention: z12.string().optional(),
+  statutory: z12.boolean().optional(),
   employersLiability: EmployersLiabilityLimitsSchema.optional(),
-  sublimits: z11.array(SublimitSchema).optional(),
-  sharedLimits: z11.array(SharedLimitSchema).optional(),
+  sublimits: z12.array(SublimitSchema).optional(),
+  sharedLimits: z12.array(SharedLimitSchema).optional(),
   defenseCostTreatment: DefenseCostTreatmentSchema.optional()
 });
-var DeductibleScheduleSchema = z11.object({
-  perClaim: z11.string().optional(),
-  perOccurrence: z11.string().optional(),
-  aggregateDeductible: z11.string().optional(),
-  selfInsuredRetention: z11.string().optional(),
-  corridorDeductible: z11.string().optional(),
-  waitingPeriod: z11.string().optional(),
-  appliesTo: z11.enum(["damages_only", "damages_and_defense", "defense_only"]).optional()
+var DeductibleScheduleSchema = z12.object({
+  perClaim: z12.string().optional(),
+  perOccurrence: z12.string().optional(),
+  aggregateDeductible: z12.string().optional(),
+  selfInsuredRetention: z12.string().optional(),
+  corridorDeductible: z12.string().optional(),
+  waitingPeriod: z12.string().optional(),
+  appliesTo: z12.enum(["damages_only", "damages_and_defense", "defense_only"]).optional()
 });
-var InsuredLocationSchema = z11.object({
-  number: z11.number(),
+var InsuredLocationSchema = z12.object({
+  number: z12.number(),
   address: AddressSchema,
-  description: z11.string().optional(),
-  buildingValue: z11.string().optional(),
-  contentsValue: z11.string().optional(),
-  businessIncomeValue: z11.string().optional(),
-  constructionType: z11.string().optional(),
-  yearBuilt: z11.number().optional(),
-  squareFootage: z11.number().optional(),
-  protectionClass: z11.string().optional(),
-  sprinklered: z11.boolean().optional(),
-  alarmType: z11.string().optional(),
-  occupancy: z11.string().optional()
+  description: z12.string().optional(),
+  buildingValue: z12.string().optional(),
+  contentsValue: z12.string().optional(),
+  businessIncomeValue: z12.string().optional(),
+  constructionType: z12.string().optional(),
+  yearBuilt: z12.number().optional(),
+  squareFootage: z12.number().optional(),
+  protectionClass: z12.string().optional(),
+  sprinklered: z12.boolean().optional(),
+  alarmType: z12.string().optional(),
+  occupancy: z12.string().optional()
 });
-var VehicleCoverageSchema = z11.object({
+var VehicleCoverageSchema = z12.object({
   type: VehicleCoverageTypeSchema,
-  limit: z11.string().optional(),
-  deductible: z11.string().optional(),
-  included: z11.boolean()
+  limit: z12.string().optional(),
+  deductible: z12.string().optional(),
+  included: z12.boolean()
 });
-var InsuredVehicleSchema = z11.object({
-  number: z11.number(),
-  year: z11.number(),
-  make: z11.string(),
-  model: z11.string(),
-  vin: z11.string(),
-  costNew: z11.string().optional(),
-  statedValue: z11.string().optional(),
-  garageLocation: z11.number().optional(),
-  coverages: z11.array(VehicleCoverageSchema).optional(),
-  radius: z11.string().optional(),
-  vehicleType: z11.string().optional()
+var InsuredVehicleSchema = z12.object({
+  number: z12.number(),
+  year: z12.number(),
+  make: z12.string(),
+  model: z12.string(),
+  vin: z12.string(),
+  costNew: z12.string().optional(),
+  statedValue: z12.string().optional(),
+  garageLocation: z12.number().optional(),
+  coverages: z12.array(VehicleCoverageSchema).optional(),
+  radius: z12.string().optional(),
+  vehicleType: z12.string().optional()
 });
-var ClassificationCodeSchema = z11.object({
-  code: z11.string(),
-  description: z11.string(),
-  premiumBasis: z11.string(),
-  basisAmount: z11.string().optional(),
-  rate: z11.string().optional(),
-  premium: z11.string().optional(),
-  locationNumber: z11.number().optional()
+var ClassificationCodeSchema = z12.object({
+  code: z12.string(),
+  description: z12.string(),
+  premiumBasis: z12.string(),
+  basisAmount: z12.string().optional(),
+  rate: z12.string().optional(),
+  premium: z12.string().optional(),
+  locationNumber: z12.number().optional()
 });
-var DwellingDetailsSchema = z11.object({
+var DwellingDetailsSchema = z12.object({
   constructionType: ConstructionTypeSchema.optional(),
-  yearBuilt: z11.number().optional(),
-  squareFootage: z11.number().optional(),
-  stories: z11.number().optional(),
+  yearBuilt: z12.number().optional(),
+  squareFootage: z12.number().optional(),
+  stories: z12.number().optional(),
   roofType: RoofTypeSchema.optional(),
-  roofAge: z11.number().optional(),
-  heatingType: z11.enum(["central", "baseboard", "radiant", "space_heater", "heat_pump", "other"]).optional(),
+  roofAge: z12.number().optional(),
+  heatingType: z12.enum(["central", "baseboard", "radiant", "space_heater", "heat_pump", "other"]).optional(),
   foundationType: FoundationTypeSchema.optional(),
-  plumbingType: z11.enum(["copper", "pex", "galvanized", "polybutylene", "cpvc", "other"]).optional(),
-  electricalType: z11.enum(["circuit_breaker", "fuse_box", "knob_and_tube", "other"]).optional(),
-  electricalAmps: z11.number().optional(),
-  hasSwimmingPool: z11.boolean().optional(),
-  poolType: z11.enum(["in_ground", "above_ground"]).optional(),
-  hasTrampoline: z11.boolean().optional(),
-  hasDog: z11.boolean().optional(),
-  dogBreed: z11.string().optional(),
-  protectiveDevices: z11.array(z11.string()).optional(),
-  distanceToFireStation: z11.string().optional(),
-  distanceToHydrant: z11.string().optional(),
-  fireProtectionClass: z11.string().optional()
+  plumbingType: z12.enum(["copper", "pex", "galvanized", "polybutylene", "cpvc", "other"]).optional(),
+  electricalType: z12.enum(["circuit_breaker", "fuse_box", "knob_and_tube", "other"]).optional(),
+  electricalAmps: z12.number().optional(),
+  hasSwimmingPool: z12.boolean().optional(),
+  poolType: z12.enum(["in_ground", "above_ground"]).optional(),
+  hasTrampoline: z12.boolean().optional(),
+  hasDog: z12.boolean().optional(),
+  dogBreed: z12.string().optional(),
+  protectiveDevices: z12.array(z12.string()).optional(),
+  distanceToFireStation: z12.string().optional(),
+  distanceToHydrant: z12.string().optional(),
+  fireProtectionClass: z12.string().optional()
 });
-var DriverRecordSchema = z11.object({
-  name: z11.string(),
-  dateOfBirth: z11.string().optional(),
-  licenseNumber: z11.string().optional(),
-  licenseState: z11.string().optional(),
-  relationship: z11.enum(["named_insured", "spouse", "child", "other_household", "other"]).optional(),
-  yearsLicensed: z11.number().optional(),
-  gender: z11.string().optional(),
-  maritalStatus: z11.string().optional(),
-  goodStudentDiscount: z11.boolean().optional(),
-  defensiveDriverDiscount: z11.boolean().optional(),
-  violations: z11.array(z11.object({
-    date: z11.string().optional(),
-    type: z11.string().optional(),
-    description: z11.string().optional()
+var DriverRecordSchema = z12.object({
+  name: z12.string(),
+  dateOfBirth: z12.string().optional(),
+  licenseNumber: z12.string().optional(),
+  licenseState: z12.string().optional(),
+  relationship: z12.enum(["named_insured", "spouse", "child", "other_household", "other"]).optional(),
+  yearsLicensed: z12.number().optional(),
+  gender: z12.string().optional(),
+  maritalStatus: z12.string().optional(),
+  goodStudentDiscount: z12.boolean().optional(),
+  defensiveDriverDiscount: z12.boolean().optional(),
+  violations: z12.array(z12.object({
+    date: z12.string().optional(),
+    type: z12.string().optional(),
+    description: z12.string().optional()
   })).optional(),
-  accidents: z11.array(z11.object({
-    date: z11.string().optional(),
-    atFault: z11.boolean().optional(),
-    description: z11.string().optional(),
-    amountPaid: z11.string().optional()
+  accidents: z12.array(z12.object({
+    date: z12.string().optional(),
+    atFault: z12.boolean().optional(),
+    description: z12.string().optional(),
+    amountPaid: z12.string().optional()
   })).optional(),
-  sr22Required: z11.boolean().optional()
+  sr22Required: z12.boolean().optional()
 });
-var PersonalVehicleDetailsSchema = z11.object({
-  number: z11.number().optional(),
-  year: z11.number().optional(),
-  make: z11.string().optional(),
-  model: z11.string().optional(),
-  vin: z11.string().optional(),
-  bodyType: z11.string().optional(),
+var PersonalVehicleDetailsSchema = z12.object({
+  number: z12.number().optional(),
+  year: z12.number().optional(),
+  make: z12.string().optional(),
+  model: z12.string().optional(),
+  vin: z12.string().optional(),
+  bodyType: z12.string().optional(),
   garagingAddress: AddressSchema.optional(),
   usage: PersonalAutoUsageSchema.optional(),
-  annualMileage: z11.number().optional(),
-  odometerReading: z11.number().optional(),
-  driverAssignment: z11.string().optional(),
+  annualMileage: z12.number().optional(),
+  odometerReading: z12.number().optional(),
+  driverAssignment: z12.string().optional(),
   lienHolder: EndorsementPartySchema.optional(),
-  collisionDeductible: z11.string().optional(),
-  comprehensiveDeductible: z11.string().optional(),
-  rentalReimbursement: z11.boolean().optional(),
-  towing: z11.boolean().optional()
+  collisionDeductible: z12.string().optional(),
+  comprehensiveDeductible: z12.string().optional(),
+  rentalReimbursement: z12.boolean().optional(),
+  towing: z12.boolean().optional()
 });
 
 // src/schemas/declarations/personal.ts
-var HomeownersDeclarationsSchema = z12.object({
-  line: z12.literal("homeowners"),
+var HomeownersDeclarationsSchema = z13.object({
+  line: z13.literal("homeowners"),
   formType: HomeownersFormTypeSchema,
-  coverageA: z12.string().optional(),
-  coverageB: z12.string().optional(),
-  coverageC: z12.string().optional(),
-  coverageD: z12.string().optional(),
-  coverageE: z12.string().optional(),
-  coverageF: z12.string().optional(),
-  allPerilDeductible: z12.string().optional(),
-  windHailDeductible: z12.string().optional(),
-  hurricaneDeductible: z12.string().optional(),
+  coverageA: z13.string().optional(),
+  coverageB: z13.string().optional(),
+  coverageC: z13.string().optional(),
+  coverageD: z13.string().optional(),
+  coverageE: z13.string().optional(),
+  coverageF: z13.string().optional(),
+  allPerilDeductible: z13.string().optional(),
+  windHailDeductible: z13.string().optional(),
+  hurricaneDeductible: z13.string().optional(),
   lossSettlement: LossSettlementSchema.optional(),
   dwelling: DwellingDetailsSchema,
   mortgagee: EndorsementPartySchema.optional(),
-  additionalMortgagees: z12.array(EndorsementPartySchema).optional()
+  additionalMortgagees: z13.array(EndorsementPartySchema).optional()
 });
-var PersonalAutoDeclarationsSchema = z12.object({
-  line: z12.literal("personal_auto"),
-  vehicles: z12.array(PersonalVehicleDetailsSchema),
-  drivers: z12.array(DriverRecordSchema),
-  liabilityLimits: z12.object({
-    bodilyInjuryPerPerson: z12.string().optional(),
-    bodilyInjuryPerAccident: z12.string().optional(),
-    propertyDamage: z12.string().optional(),
-    combinedSingleLimit: z12.string().optional()
+var PersonalAutoDeclarationsSchema = z13.object({
+  line: z13.literal("personal_auto"),
+  vehicles: z13.array(PersonalVehicleDetailsSchema),
+  drivers: z13.array(DriverRecordSchema),
+  liabilityLimits: z13.object({
+    bodilyInjuryPerPerson: z13.string().optional(),
+    bodilyInjuryPerAccident: z13.string().optional(),
+    propertyDamage: z13.string().optional(),
+    combinedSingleLimit: z13.string().optional()
   }).optional(),
-  umLimits: z12.object({
-    bodilyInjuryPerPerson: z12.string().optional(),
-    bodilyInjuryPerAccident: z12.string().optional()
+  umLimits: z13.object({
+    bodilyInjuryPerPerson: z13.string().optional(),
+    bodilyInjuryPerAccident: z13.string().optional()
   }).optional(),
-  uimLimits: z12.object({
-    bodilyInjuryPerPerson: z12.string().optional(),
-    bodilyInjuryPerAccident: z12.string().optional()
+  uimLimits: z13.object({
+    bodilyInjuryPerPerson: z13.string().optional(),
+    bodilyInjuryPerAccident: z13.string().optional()
   }).optional(),
-  pipLimit: z12.string().optional(),
-  medPayLimit: z12.string().optional()
+  pipLimit: z13.string().optional(),
+  medPayLimit: z13.string().optional()
 });
-var DwellingFireDeclarationsSchema = z12.object({
-  line: z12.literal("dwelling_fire"),
+var DwellingFireDeclarationsSchema = z13.object({
+  line: z13.literal("dwelling_fire"),
   formType: DwellingFireFormTypeSchema,
-  dwellingLimit: z12.string().optional(),
-  otherStructuresLimit: z12.string().optional(),
-  personalPropertyLimit: z12.string().optional(),
-  fairRentalValueLimit: z12.string().optional(),
-  liabilityLimit: z12.string().optional(),
-  medicalPaymentsLimit: z12.string().optional(),
-  deductible: z12.string().optional(),
+  dwellingLimit: z13.string().optional(),
+  otherStructuresLimit: z13.string().optional(),
+  personalPropertyLimit: z13.string().optional(),
+  fairRentalValueLimit: z13.string().optional(),
+  liabilityLimit: z13.string().optional(),
+  medicalPaymentsLimit: z13.string().optional(),
+  deductible: z13.string().optional(),
   dwelling: DwellingDetailsSchema
 });
-var FloodDeclarationsSchema = z12.object({
-  line: z12.literal("flood"),
-  programType: z12.enum(["nfip", "private"]),
+var FloodDeclarationsSchema = z13.object({
+  line: z13.literal("flood"),
+  programType: z13.enum(["nfip", "private"]),
   floodZone: FloodZoneSchema.optional(),
-  communityNumber: z12.string().optional(),
-  communityRating: z12.number().optional(),
-  buildingCoverage: z12.string().optional(),
-  contentsCoverage: z12.string().optional(),
-  iccCoverage: z12.string().optional(),
-  deductible: z12.string().optional(),
-  waitingPeriodDays: z12.number().optional(),
-  elevationCertificate: z12.boolean().optional(),
-  elevationDifference: z12.string().optional(),
-  buildingDiagramNumber: z12.number().optional(),
-  basementOrEnclosure: z12.boolean().optional(),
-  postFirmConstruction: z12.boolean().optional()
+  communityNumber: z13.string().optional(),
+  communityRating: z13.number().optional(),
+  buildingCoverage: z13.string().optional(),
+  contentsCoverage: z13.string().optional(),
+  iccCoverage: z13.string().optional(),
+  deductible: z13.string().optional(),
+  waitingPeriodDays: z13.number().optional(),
+  elevationCertificate: z13.boolean().optional(),
+  elevationDifference: z13.string().optional(),
+  buildingDiagramNumber: z13.number().optional(),
+  basementOrEnclosure: z13.boolean().optional(),
+  postFirmConstruction: z13.boolean().optional()
 });
-var EarthquakeDeclarationsSchema = z12.object({
-  line: z12.literal("earthquake"),
-  dwellingCoverage: z12.string().optional(),
-  contentsCoverage: z12.string().optional(),
-  lossOfUseCoverage: z12.string().optional(),
-  deductiblePercent: z12.number().optional(),
-  retrofitDiscount: z12.boolean().optional(),
-  masonryVeneerCoverage: z12.boolean().optional()
+var EarthquakeDeclarationsSchema = z13.object({
+  line: z13.literal("earthquake"),
+  dwellingCoverage: z13.string().optional(),
+  contentsCoverage: z13.string().optional(),
+  lossOfUseCoverage: z13.string().optional(),
+  deductiblePercent: z13.number().optional(),
+  retrofitDiscount: z13.boolean().optional(),
+  masonryVeneerCoverage: z13.boolean().optional()
 });
-var PersonalUmbrellaDeclarationsSchema = z12.object({
-  line: z12.literal("personal_umbrella"),
-  perOccurrenceLimit: z12.string().optional(),
-  aggregateLimit: z12.string().optional(),
-  retainedLimit: z12.string().optional(),
-  underlyingPolicies: z12.array(z12.object({
-    carrier: z12.string().optional(),
-    policyNumber: z12.string().optional(),
-    policyType: z12.string().optional(),
-    limits: z12.string().optional()
+var PersonalUmbrellaDeclarationsSchema = z13.object({
+  line: z13.literal("personal_umbrella"),
+  perOccurrenceLimit: z13.string().optional(),
+  aggregateLimit: z13.string().optional(),
+  retainedLimit: z13.string().optional(),
+  underlyingPolicies: z13.array(z13.object({
+    carrier: z13.string().optional(),
+    policyNumber: z13.string().optional(),
+    policyType: z13.string().optional(),
+    limits: z13.string().optional()
   }))
 });
-var PersonalArticlesDeclarationsSchema = z12.object({
-  line: z12.literal("personal_articles"),
-  scheduledItems: z12.array(z12.object({
-    itemNumber: z12.number().optional(),
+var PersonalArticlesDeclarationsSchema = z13.object({
+  line: z13.literal("personal_articles"),
+  scheduledItems: z13.array(z13.object({
+    itemNumber: z13.number().optional(),
     category: ScheduledItemCategorySchema.optional(),
-    description: z12.string(),
-    appraisedValue: z12.string(),
-    appraisalDate: z12.string().optional()
+    description: z13.string(),
+    appraisedValue: z13.string(),
+    appraisalDate: z13.string().optional()
   })),
-  blanketCoverage: z12.string().optional(),
-  deductible: z12.string().optional(),
-  worldwideCoverage: z12.boolean().optional(),
-  breakageCoverage: z12.boolean().optional()
+  blanketCoverage: z13.string().optional(),
+  deductible: z13.string().optional(),
+  worldwideCoverage: z13.boolean().optional(),
+  breakageCoverage: z13.boolean().optional()
 });
-var WatercraftDeclarationsSchema = z12.object({
-  line: z12.literal("watercraft"),
+var WatercraftDeclarationsSchema = z13.object({
+  line: z13.literal("watercraft"),
   boatType: BoatTypeSchema.optional(),
-  year: z12.number().optional(),
-  make: z12.string().optional(),
-  model: z12.string().optional(),
-  length: z12.string().optional(),
-  hullMaterial: z12.enum(["fiberglass", "aluminum", "wood", "steel", "inflatable", "other"]).optional(),
-  hullValue: z12.string().optional(),
-  motorHorsepower: z12.number().optional(),
-  motorType: z12.enum(["outboard", "inboard", "inboard_outboard", "jet"]).optional(),
-  navigationLimits: z12.string().optional(),
-  layupPeriod: z12.string().optional(),
-  liabilityLimit: z12.string().optional(),
-  medicalPaymentsLimit: z12.string().optional(),
-  physicalDamageDeductible: z12.string().optional(),
-  uninsuredBoaterLimit: z12.string().optional(),
-  trailerCovered: z12.boolean().optional(),
-  trailerValue: z12.string().optional()
+  year: z13.number().optional(),
+  make: z13.string().optional(),
+  model: z13.string().optional(),
+  length: z13.string().optional(),
+  hullMaterial: z13.enum(["fiberglass", "aluminum", "wood", "steel", "inflatable", "other"]).optional(),
+  hullValue: z13.string().optional(),
+  motorHorsepower: z13.number().optional(),
+  motorType: z13.enum(["outboard", "inboard", "inboard_outboard", "jet"]).optional(),
+  navigationLimits: z13.string().optional(),
+  layupPeriod: z13.string().optional(),
+  liabilityLimit: z13.string().optional(),
+  medicalPaymentsLimit: z13.string().optional(),
+  physicalDamageDeductible: z13.string().optional(),
+  uninsuredBoaterLimit: z13.string().optional(),
+  trailerCovered: z13.boolean().optional(),
+  trailerValue: z13.string().optional()
 });
-var RecreationalVehicleDeclarationsSchema = z12.object({
-  line: z12.literal("recreational_vehicle"),
+var RecreationalVehicleDeclarationsSchema = z13.object({
+  line: z13.literal("recreational_vehicle"),
   vehicleType: RVTypeSchema,
-  year: z12.number().optional(),
-  make: z12.string().optional(),
-  model: z12.string().optional(),
-  vin: z12.string().optional(),
-  value: z12.string().optional(),
-  liabilityLimit: z12.string().optional(),
-  collisionDeductible: z12.string().optional(),
-  comprehensiveDeductible: z12.string().optional(),
-  personalEffectsCoverage: z12.string().optional(),
-  fullTimerCoverage: z12.boolean().optional()
+  year: z13.number().optional(),
+  make: z13.string().optional(),
+  model: z13.string().optional(),
+  vin: z13.string().optional(),
+  value: z13.string().optional(),
+  liabilityLimit: z13.string().optional(),
+  collisionDeductible: z13.string().optional(),
+  comprehensiveDeductible: z13.string().optional(),
+  personalEffectsCoverage: z13.string().optional(),
+  fullTimerCoverage: z13.boolean().optional()
 });
-var FarmRanchDeclarationsSchema = z12.object({
-  line: z12.literal("farm_ranch"),
-  dwellingCoverage: z12.string().optional(),
-  farmPersonalPropertyCoverage: z12.string().optional(),
-  farmLiabilityLimit: z12.string().optional(),
-  farmAutoIncluded: z12.boolean().optional(),
-  livestock: z12.array(z12.object({
-    type: z12.string(),
-    headCount: z12.number(),
-    value: z12.string().optional()
+var FarmRanchDeclarationsSchema = z13.object({
+  line: z13.literal("farm_ranch"),
+  dwellingCoverage: z13.string().optional(),
+  farmPersonalPropertyCoverage: z13.string().optional(),
+  farmLiabilityLimit: z13.string().optional(),
+  farmAutoIncluded: z13.boolean().optional(),
+  livestock: z13.array(z13.object({
+    type: z13.string(),
+    headCount: z13.number(),
+    value: z13.string().optional()
   })).optional(),
-  equipmentSchedule: z12.array(z12.object({
-    description: z12.string(),
-    value: z12.string()
+  equipmentSchedule: z13.array(z13.object({
+    description: z13.string(),
+    value: z13.string()
   })).optional(),
-  acreage: z12.number().optional(),
+  acreage: z13.number().optional(),
   dwelling: DwellingDetailsSchema.optional()
 });
-var TitleDeclarationsSchema = z12.object({
-  line: z12.literal("title"),
+var TitleDeclarationsSchema = z13.object({
+  line: z13.literal("title"),
   policyType: TitlePolicyTypeSchema,
-  policyAmount: z12.string(),
-  legalDescription: z12.string().optional(),
+  policyAmount: z13.string(),
+  legalDescription: z13.string().optional(),
   propertyAddress: AddressSchema.optional(),
-  effectiveDate: z12.string().optional(),
-  exceptions: z12.array(z12.object({
-    number: z12.number(),
-    description: z12.string()
+  effectiveDate: z13.string().optional(),
+  exceptions: z13.array(z13.object({
+    number: z13.number(),
+    description: z13.string()
   })).optional(),
-  underwriter: z12.string().optional()
+  underwriter: z13.string().optional()
 });
-var PetDeclarationsSchema = z12.object({
-  line: z12.literal("pet"),
+var PetDeclarationsSchema = z13.object({
+  line: z13.literal("pet"),
   species: PetSpeciesSchema,
-  breed: z12.string().optional(),
-  petName: z12.string().optional(),
-  age: z12.number().optional(),
-  annualLimit: z12.string().optional(),
-  perIncidentLimit: z12.string().optional(),
-  deductible: z12.string().optional(),
-  reimbursementPercent: z12.number().optional(),
-  waitingPeriodDays: z12.number().optional(),
-  preExistingConditionsExcluded: z12.boolean().optional(),
-  wellnessCoverage: z12.boolean().optional()
+  breed: z13.string().optional(),
+  petName: z13.string().optional(),
+  age: z13.number().optional(),
+  annualLimit: z13.string().optional(),
+  perIncidentLimit: z13.string().optional(),
+  deductible: z13.string().optional(),
+  reimbursementPercent: z13.number().optional(),
+  waitingPeriodDays: z13.number().optional(),
+  preExistingConditionsExcluded: z13.boolean().optional(),
+  wellnessCoverage: z13.boolean().optional()
 });
-var TravelDeclarationsSchema = z12.object({
-  line: z12.literal("travel"),
-  tripDepartureDate: z12.string().optional(),
-  tripReturnDate: z12.string().optional(),
-  destinations: z12.array(z12.string()).optional(),
-  travelers: z12.array(z12.object({
-    name: z12.string(),
-    age: z12.number().optional()
+var TravelDeclarationsSchema = z13.object({
+  line: z13.literal("travel"),
+  tripDepartureDate: z13.string().optional(),
+  tripReturnDate: z13.string().optional(),
+  destinations: z13.array(z13.string()).optional(),
+  travelers: z13.array(z13.object({
+    name: z13.string(),
+    age: z13.number().optional()
   })).optional(),
-  tripCost: z12.string().optional(),
-  tripCancellationLimit: z12.string().optional(),
-  medicalLimit: z12.string().optional(),
-  evacuationLimit: z12.string().optional(),
-  baggageLimit: z12.string().optional()
+  tripCost: z13.string().optional(),
+  tripCancellationLimit: z13.string().optional(),
+  medicalLimit: z13.string().optional(),
+  evacuationLimit: z13.string().optional(),
+  baggageLimit: z13.string().optional()
 });
-var IdentityTheftDeclarationsSchema = z12.object({
-  line: z12.literal("identity_theft"),
-  coverageLimit: z12.string().optional(),
-  expenseReimbursement: z12.string().optional(),
-  creditMonitoring: z12.boolean().optional(),
-  restorationServices: z12.boolean().optional(),
-  lostWagesLimit: z12.string().optional()
+var IdentityTheftDeclarationsSchema = z13.object({
+  line: z13.literal("identity_theft"),
+  coverageLimit: z13.string().optional(),
+  expenseReimbursement: z13.string().optional(),
+  creditMonitoring: z13.boolean().optional(),
+  restorationServices: z13.boolean().optional(),
+  lostWagesLimit: z13.string().optional()
 });
 
 // src/schemas/declarations/commercial.ts
-import { z as z13 } from "zod";
-var GLDeclarationsSchema = z13.object({
-  line: z13.literal("gl"),
+import { z as z14 } from "zod";
+var GLDeclarationsSchema = z14.object({
+  line: z14.literal("gl"),
   coverageForm: CoverageFormSchema.optional(),
-  perOccurrenceLimit: z13.string().optional(),
-  generalAggregate: z13.string().optional(),
-  productsCompletedOpsAggregate: z13.string().optional(),
-  personalAdvertisingInjury: z13.string().optional(),
-  fireDamage: z13.string().optional(),
-  medicalExpense: z13.string().optional(),
+  perOccurrenceLimit: z14.string().optional(),
+  generalAggregate: z14.string().optional(),
+  productsCompletedOpsAggregate: z14.string().optional(),
+  personalAdvertisingInjury: z14.string().optional(),
+  fireDamage: z14.string().optional(),
+  medicalExpense: z14.string().optional(),
   defenseCostTreatment: DefenseCostTreatmentSchema.optional(),
-  deductible: z13.string().optional(),
-  classifications: z13.array(ClassificationCodeSchema).optional(),
-  retroactiveDate: z13.string().optional()
+  deductible: z14.string().optional(),
+  classifications: z14.array(ClassificationCodeSchema).optional(),
+  retroactiveDate: z14.string().optional()
 });
-var CommercialPropertyDeclarationsSchema = z13.object({
-  line: z13.literal("commercial_property"),
-  causesOfLossForm: z13.enum(["basic", "broad", "special"]).optional(),
-  coinsurancePercent: z13.number().optional(),
+var CommercialPropertyDeclarationsSchema = z14.object({
+  line: z14.literal("commercial_property"),
+  causesOfLossForm: z14.enum(["basic", "broad", "special"]).optional(),
+  coinsurancePercent: z14.number().optional(),
   valuationMethod: ValuationMethodSchema.optional(),
-  locations: z13.array(InsuredLocationSchema),
-  blanketLimit: z13.string().optional(),
-  businessIncomeLimit: z13.string().optional(),
-  extraExpenseLimit: z13.string().optional()
+  locations: z14.array(InsuredLocationSchema),
+  blanketLimit: z14.string().optional(),
+  businessIncomeLimit: z14.string().optional(),
+  extraExpenseLimit: z14.string().optional()
 });
-var CommercialAutoDeclarationsSchema = z13.object({
-  line: z13.literal("commercial_auto"),
-  vehicles: z13.array(InsuredVehicleSchema),
-  coveredAutoSymbols: z13.array(z13.number()).optional(),
-  liabilityLimit: z13.string().optional(),
-  umLimit: z13.string().optional(),
-  uimLimit: z13.string().optional(),
-  hiredAutoLiability: z13.boolean().optional(),
-  nonOwnedAutoLiability: z13.boolean().optional()
+var CommercialAutoDeclarationsSchema = z14.object({
+  line: z14.literal("commercial_auto"),
+  vehicles: z14.array(InsuredVehicleSchema),
+  coveredAutoSymbols: z14.array(z14.number()).optional(),
+  liabilityLimit: z14.string().optional(),
+  umLimit: z14.string().optional(),
+  uimLimit: z14.string().optional(),
+  hiredAutoLiability: z14.boolean().optional(),
+  nonOwnedAutoLiability: z14.boolean().optional()
 });
-var WorkersCompDeclarationsSchema = z13.object({
-  line: z13.literal("workers_comp"),
-  coveredStates: z13.array(z13.string()).optional(),
-  classifications: z13.array(ClassificationCodeSchema),
+var WorkersCompDeclarationsSchema = z14.object({
+  line: z14.literal("workers_comp"),
+  coveredStates: z14.array(z14.string()).optional(),
+  classifications: z14.array(ClassificationCodeSchema),
   experienceMod: ExperienceModSchema.optional(),
   employersLiability: EmployersLiabilityLimitsSchema.optional()
 });
-var UmbrellaExcessDeclarationsSchema = z13.object({
-  line: z13.literal("umbrella_excess"),
-  perOccurrenceLimit: z13.string().optional(),
-  aggregateLimit: z13.string().optional(),
-  retention: z13.string().optional(),
-  underlyingPolicies: z13.array(z13.object({
-    carrier: z13.string().optional(),
-    policyNumber: z13.string().optional(),
-    policyType: z13.string().optional(),
-    limits: z13.string().optional()
+var UmbrellaExcessDeclarationsSchema = z14.object({
+  line: z14.literal("umbrella_excess"),
+  perOccurrenceLimit: z14.string().optional(),
+  aggregateLimit: z14.string().optional(),
+  retention: z14.string().optional(),
+  underlyingPolicies: z14.array(z14.object({
+    carrier: z14.string().optional(),
+    policyNumber: z14.string().optional(),
+    policyType: z14.string().optional(),
+    limits: z14.string().optional()
   }))
 });
-var ProfessionalLiabilityDeclarationsSchema = z13.object({
-  line: z13.literal("professional_liability"),
-  perClaimLimit: z13.string().optional(),
-  aggregateLimit: z13.string().optional(),
-  retroactiveDate: z13.string().optional(),
+var ProfessionalLiabilityDeclarationsSchema = z14.object({
+  line: z14.literal("professional_liability"),
+  perClaimLimit: z14.string().optional(),
+  aggregateLimit: z14.string().optional(),
+  retroactiveDate: z14.string().optional(),
   defenseCostTreatment: DefenseCostTreatmentSchema.optional(),
   extendedReportingPeriod: ExtendedReportingPeriodSchema.optional()
 });
-var CyberDeclarationsSchema = z13.object({
-  line: z13.literal("cyber"),
-  aggregateLimit: z13.string().optional(),
-  retroactiveDate: z13.string().optional(),
-  waitingPeriodHours: z13.number().optional(),
-  sublimits: z13.array(z13.object({
-    coverageName: z13.string(),
-    limit: z13.string()
+var CyberDeclarationsSchema = z14.object({
+  line: z14.literal("cyber"),
+  aggregateLimit: z14.string().optional(),
+  retroactiveDate: z14.string().optional(),
+  waitingPeriodHours: z14.number().optional(),
+  sublimits: z14.array(z14.object({
+    coverageName: z14.string(),
+    limit: z14.string()
   })).optional()
 });
-var DODeclarationsSchema = z13.object({
-  line: z13.literal("directors_officers"),
-  sideALimit: z13.string().optional(),
-  sideBLimit: z13.string().optional(),
-  sideCLimit: z13.string().optional(),
-  sideARetention: z13.string().optional(),
-  sideBRetention: z13.string().optional(),
-  sideCRetention: z13.string().optional(),
-  continuityDate: z13.string().optional()
+var DODeclarationsSchema = z14.object({
+  line: z14.literal("directors_officers"),
+  sideALimit: z14.string().optional(),
+  sideBLimit: z14.string().optional(),
+  sideCLimit: z14.string().optional(),
+  sideARetention: z14.string().optional(),
+  sideBRetention: z14.string().optional(),
+  sideCRetention: z14.string().optional(),
+  continuityDate: z14.string().optional()
 });
-var CrimeDeclarationsSchema = z13.object({
-  line: z13.literal("crime"),
-  formType: z13.enum(["discovery", "loss_sustained"]).optional(),
-  agreements: z13.array(z13.object({
-    agreement: z13.string(),
-    coverageName: z13.string(),
-    limit: z13.string(),
-    deductible: z13.string()
+var CrimeDeclarationsSchema = z14.object({
+  line: z14.literal("crime"),
+  formType: z14.enum(["discovery", "loss_sustained"]).optional(),
+  agreements: z14.array(z14.object({
+    agreement: z14.string(),
+    coverageName: z14.string(),
+    limit: z14.string(),
+    deductible: z14.string()
   }))
 });
 
 // src/schemas/declarations/index.ts
-var DeclarationsSchema = z14.discriminatedUnion("line", [
+var DeclarationsSchema = z15.discriminatedUnion("line", [
   // Personal lines
   HomeownersDeclarationsSchema,
   PersonalAutoDeclarationsSchema,
@@ -1117,137 +1173,137 @@ var DeclarationsSchema = z14.discriminatedUnion("line", [
 ]);
 
 // src/schemas/document.ts
-import { z as z15 } from "zod";
-var SubsectionSchema = z15.object({
-  title: z15.string(),
-  sectionNumber: z15.string().optional(),
-  pageNumber: z15.number().optional(),
-  content: z15.string()
+import { z as z16 } from "zod";
+var SubsectionSchema = z16.object({
+  title: z16.string(),
+  sectionNumber: z16.string().optional(),
+  pageNumber: z16.number().optional(),
+  content: z16.string()
 });
-var SectionSchema = z15.object({
-  title: z15.string(),
-  sectionNumber: z15.string().optional(),
-  pageStart: z15.number(),
-  pageEnd: z15.number().optional(),
-  type: z15.string(),
-  coverageType: z15.string().optional(),
-  content: z15.string(),
-  subsections: z15.array(SubsectionSchema).optional()
+var SectionSchema = z16.object({
+  title: z16.string(),
+  sectionNumber: z16.string().optional(),
+  pageStart: z16.number(),
+  pageEnd: z16.number().optional(),
+  type: z16.string(),
+  coverageType: z16.string().optional(),
+  content: z16.string(),
+  subsections: z16.array(SubsectionSchema).optional()
 });
-var SubjectivitySchema = z15.object({
-  description: z15.string(),
-  category: z15.string().optional()
+var SubjectivitySchema = z16.object({
+  description: z16.string(),
+  category: z16.string().optional()
 });
-var UnderwritingConditionSchema = z15.object({
-  description: z15.string()
+var UnderwritingConditionSchema = z16.object({
+  description: z16.string()
 });
-var PremiumLineSchema = z15.object({
-  line: z15.string(),
-  amount: z15.string()
+var PremiumLineSchema = z16.object({
+  line: z16.string(),
+  amount: z16.string()
 });
 var BaseDocumentFields = {
-  id: z15.string(),
-  carrier: z15.string(),
-  security: z15.string().optional(),
-  insuredName: z15.string(),
-  premium: z15.string().optional(),
-  summary: z15.string().optional(),
-  policyTypes: z15.array(z15.string()).optional(),
-  coverages: z15.array(CoverageSchema),
-  sections: z15.array(SectionSchema).optional(),
+  id: z16.string(),
+  carrier: z16.string(),
+  security: z16.string().optional(),
+  insuredName: z16.string(),
+  premium: z16.string().optional(),
+  summary: z16.string().optional(),
+  policyTypes: z16.array(z16.string()).optional(),
+  coverages: z16.array(CoverageSchema),
+  sections: z16.array(SectionSchema).optional(),
   // Enriched fields (v1.2+)
-  carrierLegalName: z15.string().optional(),
-  carrierNaicNumber: z15.string().optional(),
-  carrierAmBestRating: z15.string().optional(),
-  carrierAdmittedStatus: z15.string().optional(),
-  mga: z15.string().optional(),
-  underwriter: z15.string().optional(),
-  brokerAgency: z15.string().optional(),
-  brokerContactName: z15.string().optional(),
-  brokerLicenseNumber: z15.string().optional(),
-  priorPolicyNumber: z15.string().optional(),
-  programName: z15.string().optional(),
-  isRenewal: z15.boolean().optional(),
-  isPackage: z15.boolean().optional(),
-  insuredDba: z15.string().optional(),
+  carrierLegalName: z16.string().optional(),
+  carrierNaicNumber: z16.string().optional(),
+  carrierAmBestRating: z16.string().optional(),
+  carrierAdmittedStatus: z16.string().optional(),
+  mga: z16.string().optional(),
+  underwriter: z16.string().optional(),
+  brokerAgency: z16.string().optional(),
+  brokerContactName: z16.string().optional(),
+  brokerLicenseNumber: z16.string().optional(),
+  priorPolicyNumber: z16.string().optional(),
+  programName: z16.string().optional(),
+  isRenewal: z16.boolean().optional(),
+  isPackage: z16.boolean().optional(),
+  insuredDba: z16.string().optional(),
   insuredAddress: AddressSchema.optional(),
   insuredEntityType: EntityTypeSchema.optional(),
-  additionalNamedInsureds: z15.array(NamedInsuredSchema).optional(),
-  insuredSicCode: z15.string().optional(),
-  insuredNaicsCode: z15.string().optional(),
-  insuredFein: z15.string().optional(),
-  enrichedCoverages: z15.array(EnrichedCoverageSchema).optional(),
-  endorsements: z15.array(EndorsementSchema).optional(),
-  exclusions: z15.array(ExclusionSchema).optional(),
-  conditions: z15.array(PolicyConditionSchema).optional(),
+  additionalNamedInsureds: z16.array(NamedInsuredSchema).optional(),
+  insuredSicCode: z16.string().optional(),
+  insuredNaicsCode: z16.string().optional(),
+  insuredFein: z16.string().optional(),
+  enrichedCoverages: z16.array(EnrichedCoverageSchema).optional(),
+  endorsements: z16.array(EndorsementSchema).optional(),
+  exclusions: z16.array(ExclusionSchema).optional(),
+  conditions: z16.array(PolicyConditionSchema).optional(),
   limits: LimitScheduleSchema.optional(),
   deductibles: DeductibleScheduleSchema.optional(),
-  locations: z15.array(InsuredLocationSchema).optional(),
-  vehicles: z15.array(InsuredVehicleSchema).optional(),
-  classifications: z15.array(ClassificationCodeSchema).optional(),
-  formInventory: z15.array(FormReferenceSchema).optional(),
+  locations: z16.array(InsuredLocationSchema).optional(),
+  vehicles: z16.array(InsuredVehicleSchema).optional(),
+  classifications: z16.array(ClassificationCodeSchema).optional(),
+  formInventory: z16.array(FormReferenceSchema).optional(),
   declarations: DeclarationsSchema.optional(),
   coverageForm: CoverageFormSchema.optional(),
-  retroactiveDate: z15.string().optional(),
+  retroactiveDate: z16.string().optional(),
   extendedReportingPeriod: ExtendedReportingPeriodSchema.optional(),
   insurer: InsurerInfoSchema.optional(),
   producer: ProducerInfoSchema.optional(),
-  claimsContacts: z15.array(ContactSchema).optional(),
-  regulatoryContacts: z15.array(ContactSchema).optional(),
-  thirdPartyAdministrators: z15.array(ContactSchema).optional(),
-  additionalInsureds: z15.array(EndorsementPartySchema).optional(),
-  lossPayees: z15.array(EndorsementPartySchema).optional(),
-  mortgageHolders: z15.array(EndorsementPartySchema).optional(),
-  taxesAndFees: z15.array(TaxFeeItemSchema).optional(),
-  totalCost: z15.string().optional(),
-  minimumPremium: z15.string().optional(),
-  depositPremium: z15.string().optional(),
+  claimsContacts: z16.array(ContactSchema).optional(),
+  regulatoryContacts: z16.array(ContactSchema).optional(),
+  thirdPartyAdministrators: z16.array(ContactSchema).optional(),
+  additionalInsureds: z16.array(EndorsementPartySchema).optional(),
+  lossPayees: z16.array(EndorsementPartySchema).optional(),
+  mortgageHolders: z16.array(EndorsementPartySchema).optional(),
+  taxesAndFees: z16.array(TaxFeeItemSchema).optional(),
+  totalCost: z16.string().optional(),
+  minimumPremium: z16.string().optional(),
+  depositPremium: z16.string().optional(),
   paymentPlan: PaymentPlanSchema.optional(),
   auditType: AuditTypeSchema.optional(),
-  ratingBasis: z15.array(RatingBasisSchema).optional(),
-  premiumByLocation: z15.array(LocationPremiumSchema).optional(),
+  ratingBasis: z16.array(RatingBasisSchema).optional(),
+  premiumByLocation: z16.array(LocationPremiumSchema).optional(),
   lossSummary: LossSummarySchema.optional(),
-  individualClaims: z15.array(ClaimRecordSchema).optional(),
+  individualClaims: z16.array(ClaimRecordSchema).optional(),
   experienceMod: ExperienceModSchema.optional(),
-  cancellationNoticeDays: z15.number().optional(),
-  nonrenewalNoticeDays: z15.number().optional()
+  cancellationNoticeDays: z16.number().optional(),
+  nonrenewalNoticeDays: z16.number().optional()
 };
-var PolicyDocumentSchema = z15.object({
+var PolicyDocumentSchema = z16.object({
   ...BaseDocumentFields,
-  type: z15.literal("policy"),
-  policyNumber: z15.string(),
-  effectiveDate: z15.string(),
-  expirationDate: z15.string().optional(),
+  type: z16.literal("policy"),
+  policyNumber: z16.string(),
+  effectiveDate: z16.string(),
+  expirationDate: z16.string().optional(),
   policyTermType: PolicyTermTypeSchema.optional(),
-  nextReviewDate: z15.string().optional(),
-  effectiveTime: z15.string().optional()
+  nextReviewDate: z16.string().optional(),
+  effectiveTime: z16.string().optional()
 });
-var QuoteDocumentSchema = z15.object({
+var QuoteDocumentSchema = z16.object({
   ...BaseDocumentFields,
-  type: z15.literal("quote"),
-  quoteNumber: z15.string(),
-  proposedEffectiveDate: z15.string().optional(),
-  proposedExpirationDate: z15.string().optional(),
-  quoteExpirationDate: z15.string().optional(),
-  subjectivities: z15.array(SubjectivitySchema).optional(),
-  underwritingConditions: z15.array(UnderwritingConditionSchema).optional(),
-  premiumBreakdown: z15.array(PremiumLineSchema).optional(),
+  type: z16.literal("quote"),
+  quoteNumber: z16.string(),
+  proposedEffectiveDate: z16.string().optional(),
+  proposedExpirationDate: z16.string().optional(),
+  quoteExpirationDate: z16.string().optional(),
+  subjectivities: z16.array(SubjectivitySchema).optional(),
+  underwritingConditions: z16.array(UnderwritingConditionSchema).optional(),
+  premiumBreakdown: z16.array(PremiumLineSchema).optional(),
   // Enriched quote fields (v1.2+)
-  enrichedSubjectivities: z15.array(EnrichedSubjectivitySchema).optional(),
-  enrichedUnderwritingConditions: z15.array(EnrichedUnderwritingConditionSchema).optional(),
-  warrantyRequirements: z15.array(z15.string()).optional(),
-  lossControlRecommendations: z15.array(z15.string()).optional(),
+  enrichedSubjectivities: z16.array(EnrichedSubjectivitySchema).optional(),
+  enrichedUnderwritingConditions: z16.array(EnrichedUnderwritingConditionSchema).optional(),
+  warrantyRequirements: z16.array(z16.string()).optional(),
+  lossControlRecommendations: z16.array(z16.string()).optional(),
   bindingAuthority: BindingAuthoritySchema.optional()
 });
-var InsuranceDocumentSchema = z15.discriminatedUnion("type", [
+var InsuranceDocumentSchema = z16.discriminatedUnion("type", [
   PolicyDocumentSchema,
   QuoteDocumentSchema
 ]);
 
 // src/schemas/platform.ts
-import { z as z16 } from "zod";
-var PlatformSchema = z16.enum(["email", "chat", "sms", "slack", "discord"]);
-var CommunicationIntentSchema = z16.enum(["direct", "mediated", "observed"]);
+import { z as z17 } from "zod";
+var PlatformSchema = z17.enum(["email", "chat", "sms", "slack", "discord"]);
+var CommunicationIntentSchema = z17.enum(["direct", "mediated", "observed"]);
 var PLATFORM_CONFIGS = {
   email: {
     supportsMarkdown: false,
@@ -1475,10 +1531,11 @@ async function runExtractor(params) {
 [Document pages ${startPage}-${endPage} are provided as images above.]` : `${prompt}
 
 [Document pages ${startPage}-${endPage} are provided as a PDF file above.]`;
+  const strictSchema = toStrictSchema(schema);
   const result = await withRetry(
     () => generateObject({
       prompt: fullPrompt,
-      schema,
+      schema: strictSchema,
       maxTokens,
       providerOptions
     })
@@ -2557,11 +2614,11 @@ function getTemplate(policyType) {
 }
 
 // src/prompts/coordinator/classify.ts
-import { z as z17 } from "zod";
-var ClassifyResultSchema = z17.object({
-  documentType: z17.enum(["policy", "quote"]),
-  policyTypes: z17.array(PolicyTypeSchema),
-  confidence: z17.number()
+import { z as z18 } from "zod";
+var ClassifyResultSchema = z18.object({
+  documentType: z18.enum(["policy", "quote"]),
+  policyTypes: z18.array(PolicyTypeSchema),
+  confidence: z18.number()
 });
 function buildClassifyPrompt() {
   return `You are classifying an insurance document. Examine the first few pages and determine:
@@ -2585,20 +2642,20 @@ Respond with JSON only.`;
 }
 
 // src/prompts/coordinator/plan.ts
-import { z as z18 } from "zod";
-var ExtractionTaskSchema = z18.object({
-  extractorName: z18.string(),
-  startPage: z18.number(),
-  endPage: z18.number(),
-  description: z18.string()
+import { z as z19 } from "zod";
+var ExtractionTaskSchema = z19.object({
+  extractorName: z19.string(),
+  startPage: z19.number(),
+  endPage: z19.number(),
+  description: z19.string()
 });
-var PageMapEntrySchema = z18.object({
-  section: z18.string(),
-  pages: z18.string()
+var PageMapEntrySchema = z19.object({
+  section: z19.string(),
+  pages: z19.string()
 });
-var ExtractionPlanSchema = z18.object({
-  tasks: z18.array(ExtractionTaskSchema),
-  pageMap: z18.array(PageMapEntrySchema).optional()
+var ExtractionPlanSchema = z19.object({
+  tasks: z19.array(ExtractionTaskSchema),
+  pageMap: z19.array(PageMapEntrySchema).optional()
 });
 function buildPlanPrompt(templateHints) {
   return `You are planning the extraction of an insurance document. You have already classified this document. Now scan the full document and create a page map + extraction plan.
@@ -2639,15 +2696,15 @@ Respond with JSON only.`;
 }
 
 // src/prompts/coordinator/review.ts
-import { z as z19 } from "zod";
-var ReviewResultSchema = z19.object({
-  complete: z19.boolean(),
-  missingFields: z19.array(z19.string()),
-  additionalTasks: z19.array(z19.object({
-    extractorName: z19.string(),
-    startPage: z19.number(),
-    endPage: z19.number(),
-    description: z19.string()
+import { z as z20 } from "zod";
+var ReviewResultSchema = z20.object({
+  complete: z20.boolean(),
+  missingFields: z20.array(z20.string()),
+  additionalTasks: z20.array(z20.object({
+    extractorName: z20.string(),
+    startPage: z20.number(),
+    endPage: z20.number(),
+    description: z20.string()
   }))
 });
 function buildReviewPrompt(templateExpected, extractedKeys) {
@@ -2679,20 +2736,20 @@ Respond with JSON only.`;
 }
 
 // src/prompts/extractors/carrier-info.ts
-import { z as z20 } from "zod";
-var CarrierInfoSchema = z20.object({
-  carrierName: z20.string().describe("Primary insurance company name for display"),
-  carrierLegalName: z20.string().optional().describe("Legal entity name of insurer"),
-  naicNumber: z20.string().optional().describe("NAIC company code"),
-  amBestRating: z20.string().optional().describe("AM Best rating, e.g. 'A+ XV'"),
-  admittedStatus: z20.enum(["admitted", "non_admitted", "surplus_lines"]).optional().describe("Admitted status of the carrier"),
-  mga: z20.string().optional().describe("Managing General Agent or Program Administrator name"),
-  underwriter: z20.string().optional().describe("Named individual underwriter"),
-  policyNumber: z20.string().optional().describe("Policy or quote reference number"),
-  effectiveDate: z20.string().optional().describe("Policy effective date (MM/DD/YYYY)"),
-  expirationDate: z20.string().optional().describe("Policy expiration date (MM/DD/YYYY)"),
-  quoteNumber: z20.string().optional().describe("Quote or proposal reference number"),
-  proposedEffectiveDate: z20.string().optional().describe("Proposed effective date for quotes (MM/DD/YYYY)")
+import { z as z21 } from "zod";
+var CarrierInfoSchema = z21.object({
+  carrierName: z21.string().describe("Primary insurance company name for display"),
+  carrierLegalName: z21.string().optional().describe("Legal entity name of insurer"),
+  naicNumber: z21.string().optional().describe("NAIC company code"),
+  amBestRating: z21.string().optional().describe("AM Best rating, e.g. 'A+ XV'"),
+  admittedStatus: z21.enum(["admitted", "non_admitted", "surplus_lines"]).optional().describe("Admitted status of the carrier"),
+  mga: z21.string().optional().describe("Managing General Agent or Program Administrator name"),
+  underwriter: z21.string().optional().describe("Named individual underwriter"),
+  policyNumber: z21.string().optional().describe("Policy or quote reference number"),
+  effectiveDate: z21.string().optional().describe("Policy effective date (MM/DD/YYYY)"),
+  expirationDate: z21.string().optional().describe("Policy expiration date (MM/DD/YYYY)"),
+  quoteNumber: z21.string().optional().describe("Quote or proposal reference number"),
+  proposedEffectiveDate: z21.string().optional().describe("Proposed effective date for quotes (MM/DD/YYYY)")
 });
 function buildCarrierInfoPrompt() {
   return `You are an expert insurance document analyst. Extract carrier and policy identification information from this document.
@@ -2712,18 +2769,18 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/named-insured.ts
-import { z as z21 } from "zod";
-var AddressSchema2 = z21.object({
-  street1: z21.string(),
-  city: z21.string(),
-  state: z21.string(),
-  zip: z21.string()
+import { z as z22 } from "zod";
+var AddressSchema2 = z22.object({
+  street1: z22.string(),
+  city: z22.string(),
+  state: z22.string(),
+  zip: z22.string()
 });
-var NamedInsuredSchema2 = z21.object({
-  insuredName: z21.string().describe("Name of primary named insured"),
-  insuredDba: z21.string().optional().describe("Doing-business-as name"),
+var NamedInsuredSchema2 = z22.object({
+  insuredName: z22.string().describe("Name of primary named insured"),
+  insuredDba: z22.string().optional().describe("Doing-business-as name"),
   insuredAddress: AddressSchema2.optional().describe("Primary insured mailing address"),
-  insuredEntityType: z21.enum([
+  insuredEntityType: z22.enum([
     "corporation",
     "llc",
     "partnership",
@@ -2736,13 +2793,13 @@ var NamedInsuredSchema2 = z21.object({
     "married_couple",
     "other"
   ]).optional().describe("Legal entity type of the insured"),
-  insuredFein: z21.string().optional().describe("Federal Employer Identification Number"),
-  insuredSicCode: z21.string().optional().describe("SIC code"),
-  insuredNaicsCode: z21.string().optional().describe("NAICS code"),
-  additionalNamedInsureds: z21.array(
-    z21.object({
-      name: z21.string(),
-      relationship: z21.string().optional().describe("e.g. subsidiary, affiliate"),
+  insuredFein: z22.string().optional().describe("Federal Employer Identification Number"),
+  insuredSicCode: z22.string().optional().describe("SIC code"),
+  insuredNaicsCode: z22.string().optional().describe("NAICS code"),
+  additionalNamedInsureds: z22.array(
+    z22.object({
+      name: z22.string(),
+      relationship: z22.string().optional().describe("e.g. subsidiary, affiliate"),
       address: AddressSchema2.optional()
     })
   ).optional().describe("Additional named insureds listed on the policy")
@@ -2763,19 +2820,19 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/coverage-limits.ts
-import { z as z22 } from "zod";
-var CoverageLimitsSchema = z22.object({
-  coverages: z22.array(
-    z22.object({
-      name: z22.string().describe("Coverage name"),
-      limit: z22.string().describe("Coverage limit, e.g. '$1,000,000'"),
-      deductible: z22.string().optional().describe("Deductible amount"),
-      coverageCode: z22.string().optional().describe("Coverage code or class code"),
-      formNumber: z22.string().optional().describe("Associated form number, e.g. 'CG 00 01'")
+import { z as z23 } from "zod";
+var CoverageLimitsSchema = z23.object({
+  coverages: z23.array(
+    z23.object({
+      name: z23.string().describe("Coverage name"),
+      limit: z23.string().describe("Coverage limit, e.g. '$1,000,000'"),
+      deductible: z23.string().optional().describe("Deductible amount"),
+      coverageCode: z23.string().optional().describe("Coverage code or class code"),
+      formNumber: z23.string().optional().describe("Associated form number, e.g. 'CG 00 01'")
     })
   ).describe("All coverages with their limits"),
-  coverageForm: z22.enum(["occurrence", "claims_made", "accident"]).optional().describe("Primary coverage trigger type"),
-  retroactiveDate: z22.string().optional().describe("Retroactive date for claims-made policies (MM/DD/YYYY)")
+  coverageForm: z23.enum(["occurrence", "claims_made", "accident"]).optional().describe("Primary coverage trigger type"),
+  retroactiveDate: z23.string().optional().describe("Retroactive date for claims-made policies (MM/DD/YYYY)")
 });
 function buildCoverageLimitsPrompt() {
   return `You are an expert insurance document analyst. Extract all coverage limits and deductibles from this document.
@@ -2796,31 +2853,75 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/endorsements.ts
-import { z as z23 } from "zod";
-var EndorsementsSchema = z23.object({
-  endorsements: z23.array(
-    z23.object({
-      formNumber: z23.string().optional().describe("Form number, e.g. 'CG 21 47'"),
-      title: z23.string().optional().describe("Endorsement title"),
-      type: z23.enum(["broadening", "restrictive", "informational"]).optional().describe("Effect type: broadening adds coverage, restrictive limits it"),
-      content: z23.string().optional().describe("Full verbatim text of the endorsement"),
-      effectiveDate: z23.string().optional().describe("Endorsement effective date"),
-      premium: z23.string().optional().describe("Additional premium or credit"),
-      parties: z23.array(z23.string()).optional().describe("Named parties (additional insureds, loss payees, etc.)")
+import { z as z24 } from "zod";
+var EndorsementsSchema = z24.object({
+  endorsements: z24.array(
+    z24.object({
+      formNumber: z24.string().describe("Form number, e.g. 'CG 21 47'"),
+      editionDate: z24.string().optional().describe("Edition date, e.g. '12 07'"),
+      title: z24.string().describe("Endorsement title"),
+      endorsementType: z24.enum([
+        "additional_insured",
+        "waiver_of_subrogation",
+        "primary_noncontributory",
+        "blanket_additional_insured",
+        "loss_payee",
+        "mortgage_holder",
+        "broadening",
+        "restriction",
+        "exclusion",
+        "amendatory",
+        "notice_of_cancellation",
+        "designated_premises",
+        "classification_change",
+        "schedule_update",
+        "deductible_change",
+        "limit_change",
+        "territorial_extension",
+        "other"
+      ]).describe("Endorsement type classification"),
+      effectiveDate: z24.string().optional().describe("Endorsement effective date"),
+      affectedCoverageParts: z24.array(z24.string()).optional().describe("Coverage parts affected by this endorsement"),
+      namedParties: z24.array(
+        z24.object({
+          name: z24.string().describe("Party name"),
+          role: z24.enum([
+            "additional_insured",
+            "loss_payee",
+            "mortgage_holder",
+            "certificate_holder",
+            "waiver_beneficiary",
+            "designated_person",
+            "other"
+          ]).describe("Party role"),
+          relationship: z24.string().optional().describe("Relationship to insured"),
+          scope: z24.string().optional().describe("Scope of coverage for this party")
+        })
+      ).optional().describe("Named parties (additional insureds, loss payees, etc.)"),
+      keyTerms: z24.array(z24.string()).optional().describe("Key terms or notable provisions in the endorsement"),
+      premiumImpact: z24.string().optional().describe("Additional premium or credit"),
+      content: z24.string().describe("Full verbatim text of the endorsement"),
+      pageStart: z24.number().describe("Starting page number of this endorsement"),
+      pageEnd: z24.number().optional().describe("Ending page number of this endorsement")
     })
   ).describe("All endorsements found in the document")
 });
 function buildEndorsementsPrompt() {
   return `You are an expert insurance document analyst. Extract ALL endorsements from this document. Preserve original language verbatim.
 
-Focus on:
-- Every endorsement listed in the forms schedule or endorsement schedule
-- Standalone endorsements modifying the base policy
-- Form number and edition date (e.g. "CG 21 47 12 07")
-- Endorsement title and full verbatim content
-- Effect type: "broadening" if it adds or expands coverage, "restrictive" if it limits or excludes coverage, "informational" if it changes administrative terms only
-- Additional premium or credit shown on the endorsement
-- Named parties: additional insureds, loss payees, certificate holders, mortgagees
+For EACH endorsement, extract:
+- formNumber: the form identifier (e.g. "CG 21 47") \u2014 REQUIRED
+- editionDate: the edition date if present (e.g. "12 07")
+- title: endorsement title \u2014 REQUIRED
+- endorsementType: classify as one of: additional_insured, waiver_of_subrogation, primary_noncontributory, blanket_additional_insured, loss_payee, mortgage_holder, broadening, restriction, exclusion, amendatory, notice_of_cancellation, designated_premises, classification_change, schedule_update, deductible_change, limit_change, territorial_extension, other
+- effectiveDate: endorsement effective date if shown
+- affectedCoverageParts: which coverage parts are modified
+- namedParties: for each party, extract name, role (additional_insured, loss_payee, mortgage_holder, certificate_holder, waiver_beneficiary, designated_person, other), relationship, and scope
+- keyTerms: notable provisions or key terms
+- premiumImpact: additional premium or credit if shown
+- content: full verbatim text \u2014 REQUIRED
+- pageStart: page number where endorsement begins \u2014 REQUIRED
+- pageEnd: page number where endorsement ends
 
 PERSONAL LINES ENDORSEMENT RECOGNITION:
 - HO 04 XX series: homeowners endorsements
@@ -2832,27 +2933,43 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/exclusions.ts
-import { z as z24 } from "zod";
-var ExclusionsSchema = z24.object({
-  exclusions: z24.array(
-    z24.object({
-      title: z24.string().describe("Exclusion title or short description"),
-      content: z24.string().optional().describe("Full verbatim exclusion text"),
-      formNumber: z24.string().optional().describe("Form number if part of a named endorsement"),
-      appliesTo: z24.string().optional().describe("Coverage type this exclusion applies to")
+import { z as z25 } from "zod";
+var ExclusionsSchema = z25.object({
+  exclusions: z25.array(
+    z25.object({
+      name: z25.string().describe("Exclusion title or short description"),
+      formNumber: z25.string().optional().describe("Form number if part of a named endorsement"),
+      excludedPerils: z25.array(z25.string()).optional().describe("Specific perils excluded"),
+      isAbsolute: z25.boolean().optional().describe("Whether the exclusion is absolute (no exceptions)"),
+      exceptions: z25.array(z25.string()).optional().describe("Exceptions to the exclusion, if any"),
+      buybackAvailable: z25.boolean().optional().describe("Whether coverage can be bought back via endorsement"),
+      buybackEndorsement: z25.string().optional().describe("Form number of the buyback endorsement if available"),
+      appliesTo: z25.array(z25.string()).optional().describe("Coverage types this exclusion applies to"),
+      content: z25.string().describe("Full verbatim exclusion text"),
+      pageNumber: z25.number().optional().describe("Page number where exclusion appears")
     })
   ).describe("All exclusions found in the document")
 });
 function buildExclusionsPrompt() {
   return `You are an expert insurance document analyst. Extract ALL exclusions from this document. Preserve original language verbatim.
 
+For EACH exclusion, extract:
+- name: exclusion title or short description \u2014 REQUIRED
+- formNumber: form number if the exclusion is part of a named endorsement
+- excludedPerils: specific perils being excluded
+- isAbsolute: true if the exclusion has no exceptions, false if exceptions exist
+- exceptions: any exceptions to the exclusion (things still covered despite the exclusion)
+- buybackAvailable: whether coverage can be purchased back via endorsement
+- buybackEndorsement: the form number of the buyback endorsement if known
+- appliesTo: which coverage types or lines this exclusion applies to (as an array)
+- content: full verbatim exclusion text \u2014 REQUIRED
+- pageNumber: page number where the exclusion appears
+
 Focus on:
 - Named exclusions from exclusion schedules
 - Exclusions embedded within endorsements
 - Exclusions within insuring agreements or conditions if clearly labeled
 - Full verbatim exclusion text \u2014 do not summarize
-- Form number if the exclusion is part of a named endorsement
-- Which coverage line the exclusion applies to, if specific
 
 Common personal lines exclusion patterns: animal liability, business pursuits, home daycare, watercraft, aircraft.
 
@@ -2860,73 +2977,92 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/conditions.ts
-import { z as z25 } from "zod";
-var ConditionsSchema = z25.object({
-  conditions: z25.array(
-    z25.object({
-      type: z25.enum([
+import { z as z26 } from "zod";
+var ConditionsSchema = z26.object({
+  conditions: z26.array(
+    z26.object({
+      name: z26.string().describe("Condition title"),
+      conditionType: z26.enum([
         "duties_after_loss",
-        "cooperation",
+        "notice_requirements",
+        "other_insurance",
         "cancellation",
         "nonrenewal",
-        "subrogation",
-        "other_insurance",
         "transfer_of_rights",
-        "examination_under_oath",
-        "arbitration",
-        "suit_against_us",
         "liberalization",
+        "arbitration",
+        "concealment_fraud",
+        "examination_under_oath",
+        "legal_action",
+        "loss_payment",
+        "appraisal",
+        "mortgage_holders",
+        "policy_territory",
+        "separation_of_insureds",
         "other"
-      ]).optional().describe("Condition category"),
-      title: z25.string().describe("Condition title"),
-      content: z25.string().optional().describe("Full verbatim condition text"),
-      noticeDays: z25.number().optional().describe("Notice period in days if specified (e.g. cancellation notice)")
+      ]).describe("Condition category"),
+      content: z26.string().describe("Full verbatim condition text"),
+      keyValues: z26.array(
+        z26.object({
+          key: z26.string().describe("Key name (e.g. 'noticePeriod', 'suitDeadline')"),
+          value: z26.string().describe("Value (e.g. '30 days', '2 years')")
+        })
+      ).optional().describe("Key values extracted from the condition (notice periods, deadlines, etc.)"),
+      pageNumber: z26.number().optional().describe("Page number where condition appears")
     })
   ).describe("All policy conditions found in the document")
 });
 function buildConditionsPrompt() {
   return `You are an expert insurance document analyst. Extract ALL policy conditions from this document. Preserve original language verbatim.
 
+For EACH condition, extract:
+- name: condition title \u2014 REQUIRED
+- conditionType: classify as one of: duties_after_loss, notice_requirements, other_insurance, cancellation, nonrenewal, transfer_of_rights, liberalization, arbitration, concealment_fraud, examination_under_oath, legal_action, loss_payment, appraisal, mortgage_holders, policy_territory, separation_of_insureds, other \u2014 REQUIRED
+- content: full verbatim condition text \u2014 REQUIRED
+- keyValues: extract specific values as key-value pairs (e.g. noticePeriod: "30 days", suitDeadline: "2 years")
+- pageNumber: page number where the condition appears
+
 Focus on:
 - Duties after loss / notice of occurrence conditions
-- Cooperation clause
-- Cancellation and nonrenewal conditions (extract notice period in days)
-- Subrogation / transfer of rights
+- Notice requirements (extract notice period as keyValue)
+- Cancellation and nonrenewal conditions (extract notice period in days as keyValue)
 - Other insurance clause
+- Subrogation / transfer of rights
 - Examination under oath
 - Arbitration or appraisal provisions
 - Suit against us / legal action conditions
 - Liberalization clause
+- Concealment or fraud clause
+- Loss payment conditions
+- Mortgage holders clause
 - Any other named conditions
 
-For cancellation and nonrenewal conditions, extract the specific notice period in days if stated.
-
 Return JSON only.`;
 }
 
 // src/prompts/extractors/premium-breakdown.ts
-import { z as z26 } from "zod";
-var PremiumBreakdownSchema = z26.object({
-  premium: z26.string().optional().describe("Total premium amount, e.g. '$5,000'"),
-  totalCost: z26.string().optional().describe("Total cost including taxes and fees, e.g. '$5,250'"),
-  premiumBreakdown: z26.array(
-    z26.object({
-      line: z26.string().describe("Coverage line name"),
-      amount: z26.string().describe("Premium amount for this line")
+import { z as z27 } from "zod";
+var PremiumBreakdownSchema = z27.object({
+  premium: z27.string().optional().describe("Total premium amount, e.g. '$5,000'"),
+  totalCost: z27.string().optional().describe("Total cost including taxes and fees, e.g. '$5,250'"),
+  premiumBreakdown: z27.array(
+    z27.object({
+      line: z27.string().describe("Coverage line name"),
+      amount: z27.string().describe("Premium amount for this line")
     })
   ).optional().describe("Per-coverage-line premium breakdown"),
-  taxesAndFees: z26.array(
-    z26.object({
-      name: z26.string().describe("Fee or tax name"),
-      amount: z26.string().describe("Dollar amount"),
-      type: z26.enum(["tax", "fee", "surcharge", "assessment"]).optional().describe("Fee category")
+  taxesAndFees: z27.array(
+    z27.object({
+      name: z27.string().describe("Fee or tax name"),
+      amount: z27.string().describe("Dollar amount"),
+      type: z27.enum(["tax", "fee", "surcharge", "assessment"]).optional().describe("Fee category")
     })
   ).optional().describe("Taxes, fees, surcharges, and assessments"),
-  minimumPremium: z26.string().optional().describe("Minimum premium if stated"),
-  depositPremium: z26.string().optional().describe("Deposit premium if stated"),
-  paymentPlan: z26.string().optional().describe("Payment plan description"),
-  auditType: z26.enum(["annual", "semi_annual", "quarterly", "monthly", "final", "self"]).optional().describe("Premium audit type"),
-  ratingBasis: z26.string().optional().describe("Rating basis, e.g. payroll, revenue, area, units")
+  minimumPremium: z27.string().optional().describe("Minimum premium if stated"),
+  depositPremium: z27.string().optional().describe("Deposit premium if stated"),
+  paymentPlan: z27.string().optional().describe("Payment plan description"),
+  auditType: z27.enum(["annual", "semi_annual", "quarterly", "monthly", "final", "self"]).optional().describe("Premium audit type"),
+  ratingBasis: z27.string().optional().describe("Rating basis, e.g. payroll, revenue, area, units")
 });
 function buildPremiumBreakdownPrompt() {
   return `You are an expert insurance document analyst. Extract all premium and cost information from this document.
@@ -2946,14 +3082,14 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/declarations.ts
-import { z as z27 } from "zod";
-var DeclarationsFieldSchema = z27.object({
-  field: z27.string().describe("Descriptive field name (e.g. 'policyNumber', 'effectiveDate', 'coverageALimit')"),
-  value: z27.string().describe("Extracted value exactly as it appears in the document"),
-  section: z27.string().optional().describe("Section or grouping this field belongs to (e.g. 'Coverage Limits', 'Vehicle Schedule')")
+import { z as z28 } from "zod";
+var DeclarationsFieldSchema = z28.object({
+  field: z28.string().describe("Descriptive field name (e.g. 'policyNumber', 'effectiveDate', 'coverageALimit')"),
+  value: z28.string().describe("Extracted value exactly as it appears in the document"),
+  section: z28.string().optional().describe("Section or grouping this field belongs to (e.g. 'Coverage Limits', 'Vehicle Schedule')")
 });
-var DeclarationsExtractSchema = z27.object({
-  fields: z27.array(DeclarationsFieldSchema).describe("All declarations page fields extracted as key-value pairs. Structure varies by line of business.")
+var DeclarationsExtractSchema = z28.object({
+  fields: z28.array(DeclarationsFieldSchema).describe("All declarations page fields extracted as key-value pairs. Structure varies by line of business.")
 });
 function buildDeclarationsPrompt() {
   return `You are an expert insurance document analyst. Extract all declarations page data from this document into a flexible key-value structure.
@@ -2993,21 +3129,21 @@ Preserve original values exactly as they appear. Return JSON only.`;
 }
 
 // src/prompts/extractors/loss-history.ts
-import { z as z28 } from "zod";
-var LossHistorySchema = z28.object({
-  lossSummary: z28.string().optional().describe("Summary of loss history, e.g. '3 claims in past 5 years totaling $125,000'"),
-  individualClaims: z28.array(
-    z28.object({
-      date: z28.string().optional().describe("Date of loss or claim"),
-      type: z28.string().optional().describe("Type of claim, e.g. 'property damage', 'bodily injury'"),
-      description: z28.string().optional().describe("Brief description of the claim"),
-      amountPaid: z28.string().optional().describe("Amount paid"),
-      amountReserved: z28.string().optional().describe("Amount reserved"),
-      status: z28.enum(["open", "closed", "reopened"]).optional().describe("Claim status"),
-      claimNumber: z28.string().optional().describe("Claim reference number")
+import { z as z29 } from "zod";
+var LossHistorySchema = z29.object({
+  lossSummary: z29.string().optional().describe("Summary of loss history, e.g. '3 claims in past 5 years totaling $125,000'"),
+  individualClaims: z29.array(
+    z29.object({
+      date: z29.string().optional().describe("Date of loss or claim"),
+      type: z29.string().optional().describe("Type of claim, e.g. 'property damage', 'bodily injury'"),
+      description: z29.string().optional().describe("Brief description of the claim"),
+      amountPaid: z29.string().optional().describe("Amount paid"),
+      amountReserved: z29.string().optional().describe("Amount reserved"),
+      status: z29.enum(["open", "closed", "reopened"]).optional().describe("Claim status"),
+      claimNumber: z29.string().optional().describe("Claim reference number")
     })
   ).optional().describe("Individual claim records"),
-  experienceMod: z28.string().optional().describe("Experience modification factor for workers comp, e.g. '0.85'")
+  experienceMod: z29.string().optional().describe("Experience modification factor for workers comp, e.g. '0.85'")
 });
 function buildLossHistoryPrompt() {
   return `You are an expert insurance document analyst. Extract all loss history and claims information from this document.
@@ -3024,18 +3160,18 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/sections.ts
-import { z as z29 } from "zod";
-var SubsectionSchema2 = z29.object({
-  title: z29.string().describe("Subsection title"),
-  sectionNumber: z29.string().optional().describe("Subsection number"),
-  pageNumber: z29.number().optional().describe("Page number"),
-  content: z29.string().describe("Full verbatim text")
+import { z as z30 } from "zod";
+var SubsectionSchema2 = z30.object({
+  title: z30.string().describe("Subsection title"),
+  sectionNumber: z30.string().optional().describe("Subsection number"),
+  pageNumber: z30.number().optional().describe("Page number"),
+  content: z30.string().describe("Full verbatim text")
 });
-var SectionsSchema = z29.object({
-  sections: z29.array(
-    z29.object({
-      title: z29.string().describe("Section title"),
-      type: z29.enum([
+var SectionsSchema = z30.object({
+  sections: z30.array(
+    z30.object({
+      title: z30.string().describe("Section title"),
+      type: z30.enum([
         "declarations",
         "insuring_agreement",
         "policy_form",
@@ -3049,10 +3185,10 @@ var SectionsSchema = z29.object({
         "regulatory",
         "other"
       ]).describe("Section type classification"),
-      content: z29.string().describe("Full verbatim text of the section"),
-      pageStart: z29.number().describe("Starting page number"),
-      pageEnd: z29.number().optional().describe("Ending page number"),
-      subsections: z29.array(SubsectionSchema2).optional().describe("Subsections within this section")
+      content: z30.string().describe("Full verbatim text of the section"),
+      pageStart: z30.number().describe("Starting page number"),
+      pageEnd: z30.number().optional().describe("Ending page number"),
+      subsections: z30.array(SubsectionSchema2).optional().describe("Subsections within this section")
     })
   ).describe("All document sections")
 });
@@ -3076,20 +3212,20 @@ Return JSON only.`;
 }
 
 // src/prompts/extractors/supplementary.ts
-import { z as z30 } from "zod";
-var ContactSchema2 = z30.object({
-  name: z30.string().optional().describe("Organization or person name"),
-  phone: z30.string().optional().describe("Phone number"),
-  email: z30.string().optional().describe("Email address"),
-  address: z30.string().optional().describe("Mailing address"),
-  type: z30.string().optional().describe("Contact type, e.g. 'State Department of Insurance'")
+import { z as z31 } from "zod";
+var ContactSchema2 = z31.object({
+  name: z31.string().optional().describe("Organization or person name"),
+  phone: z31.string().optional().describe("Phone number"),
+  email: z31.string().optional().describe("Email address"),
+  address: z31.string().optional().describe("Mailing address"),
+  type: z31.string().optional().describe("Contact type, e.g. 'State Department of Insurance'")
 });
-var SupplementarySchema = z30.object({
-  regulatoryContacts: z30.array(ContactSchema2).optional().describe("Regulatory body contacts (state department of insurance, ombudsman)"),
-  claimsContacts: z30.array(ContactSchema2).optional().describe("Claims reporting contacts and instructions"),
-  thirdPartyAdministrators: z30.array(ContactSchema2).optional().describe("Third-party administrators for claims handling"),
-  cancellationNoticeDays: z30.number().optional().describe("Required notice period for cancellation in days"),
-  nonrenewalNoticeDays: z30.number().optional().describe("Required notice period for nonrenewal in days")
+var SupplementarySchema = z31.object({
+  regulatoryContacts: z31.array(ContactSchema2).optional().describe("Regulatory body contacts (state department of insurance, ombudsman)"),
+  claimsContacts: z31.array(ContactSchema2).optional().describe("Claims reporting contacts and instructions"),
+  thirdPartyAdministrators: z31.array(ContactSchema2).optional().describe("Third-party administrators for claims handling"),
+  cancellationNoticeDays: z31.number().optional().describe("Required notice period for cancellation in days"),
+  nonrenewalNoticeDays: z31.number().optional().describe("Required notice period for nonrenewal in days")
 });
 function buildSupplementaryPrompt() {
   return `You are an expert insurance document analyst. Extract supplementary and regulatory information from this document.
@@ -3591,8 +3727,8 @@ Respond with JSON only:
 }`;
 
 // src/schemas/application.ts
-import { z as z31 } from "zod";
-var FieldTypeSchema = z31.enum([
+import { z as z32 } from "zod";
+var FieldTypeSchema = z32.enum([
   "text",
   "numeric",
   "currency",
@@ -3601,100 +3737,100 @@ var FieldTypeSchema = z31.enum([
   "table",
   "declaration"
 ]);
-var ApplicationFieldSchema = z31.object({
-  id: z31.string(),
-  label: z31.string(),
-  section: z31.string(),
+var ApplicationFieldSchema = z32.object({
+  id: z32.string(),
+  label: z32.string(),
+  section: z32.string(),
   fieldType: FieldTypeSchema,
-  required: z31.boolean(),
-  options: z31.array(z31.string()).optional(),
-  columns: z31.array(z31.string()).optional(),
-  requiresExplanationIfYes: z31.boolean().optional(),
-  condition: z31.object({
-    dependsOn: z31.string(),
-    whenValue: z31.string()
+  required: z32.boolean(),
+  options: z32.array(z32.string()).optional(),
+  columns: z32.array(z32.string()).optional(),
+  requiresExplanationIfYes: z32.boolean().optional(),
+  condition: z32.object({
+    dependsOn: z32.string(),
+    whenValue: z32.string()
   }).optional(),
-  value: z31.string().optional(),
-  source: z31.string().optional().describe("Where the value came from: auto-fill, user, lookup"),
-  confidence: z31.enum(["confirmed", "high", "medium", "low"]).optional()
+  value: z32.string().optional(),
+  source: z32.string().optional().describe("Where the value came from: auto-fill, user, lookup"),
+  confidence: z32.enum(["confirmed", "high", "medium", "low"]).optional()
 });
-var ApplicationClassifyResultSchema = z31.object({
-  isApplication: z31.boolean(),
-  confidence: z31.number().min(0).max(1),
-  applicationType: z31.string().nullable()
+var ApplicationClassifyResultSchema = z32.object({
+  isApplication: z32.boolean(),
+  confidence: z32.number().min(0).max(1),
+  applicationType: z32.string().nullable()
 });
-var FieldExtractionResultSchema = z31.object({
-  fields: z31.array(ApplicationFieldSchema)
+var FieldExtractionResultSchema = z32.object({
+  fields: z32.array(ApplicationFieldSchema)
 });
-var AutoFillMatchSchema = z31.object({
-  fieldId: z31.string(),
-  value: z31.string(),
-  confidence: z31.enum(["confirmed"]),
-  contextKey: z31.string()
+var AutoFillMatchSchema = z32.object({
+  fieldId: z32.string(),
+  value: z32.string(),
+  confidence: z32.enum(["confirmed"]),
+  contextKey: z32.string()
 });
-var AutoFillResultSchema = z31.object({
-  matches: z31.array(AutoFillMatchSchema)
+var AutoFillResultSchema = z32.object({
+  matches: z32.array(AutoFillMatchSchema)
 });
-var QuestionBatchResultSchema = z31.object({
-  batches: z31.array(z31.array(z31.string()).describe("Array of field IDs in this batch"))
+var QuestionBatchResultSchema = z32.object({
+  batches: z32.array(z32.array(z32.string()).describe("Array of field IDs in this batch"))
 });
-var LookupRequestSchema = z31.object({
-  type: z31.string().describe("Type of lookup: 'records', 'website', 'policy'"),
-  description: z31.string(),
-  url: z31.string().optional(),
-  targetFieldIds: z31.array(z31.string())
+var LookupRequestSchema = z32.object({
+  type: z32.string().describe("Type of lookup: 'records', 'website', 'policy'"),
+  description: z32.string(),
+  url: z32.string().optional(),
+  targetFieldIds: z32.array(z32.string())
 });
-var ReplyIntentSchema = z31.object({
-  primaryIntent: z31.enum(["answers_only", "question", "lookup_request", "mixed"]),
-  hasAnswers: z31.boolean(),
-  questionText: z31.string().optional(),
-  questionFieldIds: z31.array(z31.string()).optional(),
-  lookupRequests: z31.array(LookupRequestSchema).optional()
+var ReplyIntentSchema = z32.object({
+  primaryIntent: z32.enum(["answers_only", "question", "lookup_request", "mixed"]),
+  hasAnswers: z32.boolean(),
+  questionText: z32.string().optional(),
+  questionFieldIds: z32.array(z32.string()).optional(),
+  lookupRequests: z32.array(LookupRequestSchema).optional()
 });
-var ParsedAnswerSchema = z31.object({
-  fieldId: z31.string(),
-  value: z31.string(),
-  explanation: z31.string().optional()
+var ParsedAnswerSchema = z32.object({
+  fieldId: z32.string(),
+  value: z32.string(),
+  explanation: z32.string().optional()
 });
-var AnswerParsingResultSchema = z31.object({
-  answers: z31.array(ParsedAnswerSchema),
-  unanswered: z31.array(z31.string()).describe("Field IDs that were not answered")
+var AnswerParsingResultSchema = z32.object({
+  answers: z32.array(ParsedAnswerSchema),
+  unanswered: z32.array(z32.string()).describe("Field IDs that were not answered")
 });
-var LookupFillSchema = z31.object({
-  fieldId: z31.string(),
-  value: z31.string(),
-  source: z31.string().describe("Specific citable reference, e.g. 'GL Policy #POL-12345 (Hartford)'")
+var LookupFillSchema = z32.object({
+  fieldId: z32.string(),
+  value: z32.string(),
+  source: z32.string().describe("Specific citable reference, e.g. 'GL Policy #POL-12345 (Hartford)'")
 });
-var LookupFillResultSchema = z31.object({
-  fills: z31.array(LookupFillSchema),
-  unfillable: z31.array(z31.string()),
-  explanation: z31.string().optional()
+var LookupFillResultSchema = z32.object({
+  fills: z32.array(LookupFillSchema),
+  unfillable: z32.array(z32.string()),
+  explanation: z32.string().optional()
 });
-var FlatPdfPlacementSchema = z31.object({
-  fieldId: z31.string(),
-  page: z31.number(),
-  x: z31.number().describe("Percentage from left edge (0-100)"),
-  y: z31.number().describe("Percentage from top edge (0-100)"),
-  text: z31.string(),
-  fontSize: z31.number().optional(),
-  isCheckmark: z31.boolean().optional()
+var FlatPdfPlacementSchema = z32.object({
+  fieldId: z32.string(),
+  page: z32.number(),
+  x: z32.number().describe("Percentage from left edge (0-100)"),
+  y: z32.number().describe("Percentage from top edge (0-100)"),
+  text: z32.string(),
+  fontSize: z32.number().optional(),
+  isCheckmark: z32.boolean().optional()
 });
-var AcroFormMappingSchema = z31.object({
-  fieldId: z31.string(),
-  acroFormName: z31.string(),
-  value: z31.string()
+var AcroFormMappingSchema = z32.object({
+  fieldId: z32.string(),
+  acroFormName: z32.string(),
+  value: z32.string()
 });
-var ApplicationStateSchema = z31.object({
-  id: z31.string(),
-  pdfBase64: z31.string().optional().describe("Original PDF, omitted after extraction"),
-  title: z31.string().optional(),
-  applicationType: z31.string().nullable().optional(),
-  fields: z31.array(ApplicationFieldSchema),
-  batches: z31.array(z31.array(z31.string())).optional(),
-  currentBatchIndex: z31.number().default(0),
-  status: z31.enum(["classifying", "extracting", "auto_filling", "batching", "collecting", "confirming", "mapping", "complete"]),
-  createdAt: z31.number(),
-  updatedAt: z31.number()
+var ApplicationStateSchema = z32.object({
+  id: z32.string(),
+  pdfBase64: z32.string().optional().describe("Original PDF, omitted after extraction"),
+  title: z32.string().optional(),
+  applicationType: z32.string().nullable().optional(),
+  fields: z32.array(ApplicationFieldSchema),
+  batches: z32.array(z32.array(z32.string())).optional(),
+  currentBatchIndex: z32.number().default(0),
+  status: z32.enum(["classifying", "extracting", "auto_filling", "batching", "collecting", "confirming", "mapping", "complete"]),
+  createdAt: z32.number(),
+  updatedAt: z32.number()
 });
 
 // src/application/agents/classifier.ts
@@ -4722,73 +4858,73 @@ Respond with the final answer, deduplicated citations array, overall confidence
 }
 
 // src/schemas/query.ts
-import { z as z32 } from "zod";
-var QueryIntentSchema = z32.enum([
+import { z as z33 } from "zod";
+var QueryIntentSchema = z33.enum([
   "policy_question",
   "coverage_comparison",
   "document_search",
   "claims_inquiry",
   "general_knowledge"
 ]);
-var SubQuestionSchema = z32.object({
-  question: z32.string().describe("Atomic sub-question to retrieve and answer independently"),
+var SubQuestionSchema = z33.object({
+  question: z33.string().describe("Atomic sub-question to retrieve and answer independently"),
   intent: QueryIntentSchema,
-  chunkTypes: z32.array(z32.string()).optional().describe("Chunk types to filter retrieval (e.g. coverage, endorsement, declaration)"),
-  documentFilters: z32.object({
-    type: z32.enum(["policy", "quote"]).optional(),
-    carrier: z32.string().optional(),
-    insuredName: z32.string().optional(),
-    policyNumber: z32.string().optional(),
-    quoteNumber: z32.string().optional()
+  chunkTypes: z33.array(z33.string()).optional().describe("Chunk types to filter retrieval (e.g. coverage, endorsement, declaration)"),
+  documentFilters: z33.object({
+    type: z33.enum(["policy", "quote"]).optional(),
+    carrier: z33.string().optional(),
+    insuredName: z33.string().optional(),
+    policyNumber: z33.string().optional(),
+    quoteNumber: z33.string().optional()
   }).optional().describe("Structured filters to narrow document lookup")
 });
-var QueryClassifyResultSchema = z32.object({
+var QueryClassifyResultSchema = z33.object({
   intent: QueryIntentSchema,
-  subQuestions: z32.array(SubQuestionSchema).min(1).describe("Decomposed atomic sub-questions"),
-  requiresDocumentLookup: z32.boolean().describe("Whether structured document lookup is needed"),
-  requiresChunkSearch: z32.boolean().describe("Whether semantic chunk search is needed"),
-  requiresConversationHistory: z32.boolean().describe("Whether conversation history is relevant")
+  subQuestions: z33.array(SubQuestionSchema).min(1).describe("Decomposed atomic sub-questions"),
+  requiresDocumentLookup: z33.boolean().describe("Whether structured document lookup is needed"),
+  requiresChunkSearch: z33.boolean().describe("Whether semantic chunk search is needed"),
+  requiresConversationHistory: z33.boolean().describe("Whether conversation history is relevant")
 });
-var EvidenceItemSchema = z32.object({
-  source: z32.enum(["chunk", "document", "conversation"]),
-  chunkId: z32.string().optional(),
-  documentId: z32.string().optional(),
-  turnId: z32.string().optional(),
-  text: z32.string().describe("Text excerpt from the source"),
-  relevance: z32.number().min(0).max(1),
-  metadata: z32.array(z32.object({ key: z32.string(), value: z32.string() })).optional()
+var EvidenceItemSchema = z33.object({
+  source: z33.enum(["chunk", "document", "conversation"]),
+  chunkId: z33.string().optional(),
+  documentId: z33.string().optional(),
+  turnId: z33.string().optional(),
+  text: z33.string().describe("Text excerpt from the source"),
+  relevance: z33.number().min(0).max(1),
+  metadata: z33.array(z33.object({ key: z33.string(), value: z33.string() })).optional()
 });
-var RetrievalResultSchema = z32.object({
-  subQuestion: z32.string(),
-  evidence: z32.array(EvidenceItemSchema)
+var RetrievalResultSchema = z33.object({
+  subQuestion: z33.string(),
+  evidence: z33.array(EvidenceItemSchema)
 });
-var CitationSchema = z32.object({
-  index: z32.number().describe("Citation number [1], [2], etc."),
-  chunkId: z32.string().describe("Source chunk ID, e.g. doc-123:coverage:2"),
-  documentId: z32.string(),
-  documentType: z32.enum(["policy", "quote"]).optional(),
-  field: z32.string().optional().describe("Specific field path, e.g. coverages[0].deductible"),
-  quote: z32.string().describe("Exact text from source that supports the claim"),
-  relevance: z32.number().min(0).max(1)
+var CitationSchema = z33.object({
+  index: z33.number().describe("Citation number [1], [2], etc."),
+  chunkId: z33.string().describe("Source chunk ID, e.g. doc-123:coverage:2"),
+  documentId: z33.string(),
+  documentType: z33.enum(["policy", "quote"]).optional(),
+  field: z33.string().optional().describe("Specific field path, e.g. coverages[0].deductible"),
+  quote: z33.string().describe("Exact text from source that supports the claim"),
+  relevance: z33.number().min(0).max(1)
 });
-var SubAnswerSchema = z32.object({
-  subQuestion: z32.string(),
-  answer: z32.string(),
-  citations: z32.array(CitationSchema),
-  confidence: z32.number().min(0).max(1),
-  needsMoreContext: z32.boolean().describe("True if evidence was insufficient to answer fully")
+var SubAnswerSchema = z33.object({
+  subQuestion: z33.string(),
+  answer: z33.string(),
+  citations: z33.array(CitationSchema),
+  confidence: z33.number().min(0).max(1),
+  needsMoreContext: z33.boolean().describe("True if evidence was insufficient to answer fully")
 });
-var VerifyResultSchema = z32.object({
-  approved: z32.boolean().describe("Whether all sub-answers are adequately grounded"),
-  issues: z32.array(z32.string()).describe("Specific grounding or consistency issues found"),
-  retrySubQuestions: z32.array(z32.string()).optional().describe("Sub-questions that need additional retrieval or re-reasoning")
+var VerifyResultSchema = z33.object({
+  approved: z33.boolean().describe("Whether all sub-answers are adequately grounded"),
+  issues: z33.array(z33.string()).describe("Specific grounding or consistency issues found"),
+  retrySubQuestions: z33.array(z33.string()).optional().describe("Sub-questions that need additional retrieval or re-reasoning")
 });
-var QueryResultSchema = z32.object({
-  answer: z32.string(),
-  citations: z32.array(CitationSchema),
+var QueryResultSchema = z33.object({
+  answer: z33.string(),
+  citations: z33.array(CitationSchema),
   intent: QueryIntentSchema,
-  confidence: z32.number().min(0).max(1),
-  followUp: z32.string().optional().describe("Suggested follow-up question if applicable")
+  confidence: z33.number().min(0).max(1),
+  followUp: z33.string().optional().describe("Suggested follow-up question if applicable")
 });
 
 // src/query/retriever.ts
@@ -5669,6 +5805,7 @@ export {
   safeGenerateObject,
   sanitizeNulls,
   stripFences,
+  toStrictSchema,
   withRetry
 };
 //# sourceMappingURL=index.mjs.map