@delegance/cli 0.2.1 → 0.3.0

package/dist/bin/delegance.js

@@ -24,20 +24,20 @@ var __toESM = (mod, isNodeMode, target) => (target = mod != null ? __create(__ge
 ));
 
 // src/bin/delegance.ts
-var import_chalk3 = __toESM(require("chalk"));
+var import_chalk4 = __toESM(require("chalk"));
 
 // src/program.ts
-var import_commander19 = require("commander");
+var import_commander20 = require("commander");
 
 // src/version.ts
-var CLI_VERSION = "0.2.1";
+var CLI_VERSION = "0.3.0";
 
 // src/commands/auth.ts
 var os4 = __toESM(require("os"));
-var import_commander2 = require("commander");
-var import_inquirer2 = __toESM(require("inquirer"));
+var import_commander3 = require("commander");
+var import_inquirer3 = __toESM(require("inquirer"));
 var import_ora2 = __toESM(require("ora"));
-var import_sdk3 = require("@delegance/sdk");
+var import_sdk4 = require("@delegance/sdk");
 
 // src/utils/config.ts
 var import_conf = __toESM(require("conf"));
@@ -235,12 +235,28 @@ function formatValue(value) {
   }
   return String(value);
 }
+function visibleWidth(s) {
+  return s.replace(/\x1b\[[0-9;]*m/g, "").length;
+}
+function renderCompactTable(headers, rows) {
+  const cells = rows.map((r) => headers.map((_, i) => r[i] === null || r[i] === void 0 ? "-" : String(r[i])));
+  const widths = headers.map((h, i) => Math.max(visibleWidth(h), ...cells.map((r) => visibleWidth(r[i]))));
+  const line = (parts) => `  ${parts.map((p, i) => p + " ".repeat(widths[i] - visibleWidth(p))).join("  ")}`.replace(/\s+$/, "");
+  return [
+    line(headers.map((h) => import_chalk.default.bold(h))),
+    import_chalk.default.dim(line(widths.map((w) => "\u2500".repeat(w)))),
+    ...cells.map(line)
+  ].join("\n");
+}
 function table(headers, rows, options = {}) {
+  if (options.compact) {
+    console.log(renderCompactTable(headers, rows));
+    return;
+  }
   const tbl = new import_cli_table3.default({
     head: headers.map((h) => import_chalk.default.bold(h)),
     style: {
-      head: ["cyan"],
-      compact: options.compact
+      head: ["cyan"]
     }
   });
   for (const row of rows) {
@@ -262,6 +278,15 @@ function formatDate(dateStr) {
     minute: "2-digit"
   });
 }
+var MONTHS = ["Jan", "Feb", "Mar", "Apr", "May", "Jun", "Jul", "Aug", "Sep", "Oct", "Nov", "Dec"];
+function formatDateOnly(iso) {
+  if (!iso) return "";
+  const m = /^(\d{4})-(\d{2})-(\d{2})/.exec(iso);
+  if (!m) return iso;
+  const month = MONTHS[Number(m[2]) - 1];
+  if (!month) return iso;
+  return `${month} ${Number(m[3])}, ${m[1]}`;
+}
 function formatFileSize(bytes) {
   if (bytes === void 0) return import_chalk.default.gray("(unknown)");
   const units = ["B", "KB", "MB", "GB"];
@@ -371,14 +396,26 @@ function installLastCommandRecorder(program2) {
   });
 }
 
+// src/utils/invocation.ts
+var NPX_INVOCATION = "npx -y @delegance/cli";
+function cliInvocation(env = process.env, argv = process.argv) {
+  const entry = (argv[1] ?? "").replace(/\\/g, "/");
+  if (entry.includes("/_npx/")) return NPX_INVOCATION;
+  if (env.npm_command === "exec" && /(^|\/)delegance(\.[cm]?js)?$/.test(entry)) return NPX_INVOCATION;
+  return "delegance";
+}
+function cliCommand(rest) {
+  return `${cliInvocation()} ${rest}`;
+}
+
 // src/utils/client.ts
 var PORTAL_URL = "https://portal.delegancebrokerage.com";
 function getClient() {
   const apiKey = getApiKey();
   if (!apiKey) {
     error("Not authenticated");
-    info('New to Delegance? Run "delegance signup" to create an account.');
-    info('Have an API key? Run "delegance auth login", or set DELEGANCE_API_KEY.');
+    info(`New to Delegance? Run "${cliInvocation()} signup" to create an account.`);
+    info(`Have an API key? Run "${cliInvocation()} auth login", or set DELEGANCE_API_KEY.`);
     process.exit(1);
   }
   return new import_sdk.DeleganceClient({
@@ -390,7 +427,7 @@ function getCompanyId(options) {
   const companyId = options.company || getConfigValue("defaultCompanyId");
   if (!companyId) {
     error("No company specified");
-    info('Use --company <id> or set a default with "delegance company use <id>"');
+    info(`Use --company <id> or set a default with "${cliInvocation()} company use <id>"`);
     process.exit(1);
   }
   return companyId;
@@ -402,9 +439,9 @@ function describeApiError(err) {
   }
   if (err instanceof import_sdk.AuthenticationError) {
     if (err.reason === "key_expired" || err.reason === "key_membership_revoked") {
-      return { message: `${err.message}${traceSuffix}`, hint: 'Run "delegance auth login" to sign in again.' };
+      return { message: `${err.message}${traceSuffix}`, hint: `Run "${cliInvocation()} auth login" to sign in again.` };
     }
-    return { message: `${err.message}${traceSuffix}`, hint: 'Check your key with "delegance auth status", or log in again.' };
+    return { message: `${err.message}${traceSuffix}`, hint: `Check your key with "${cliInvocation()} auth status", or log in again.` };
   }
   if (err instanceof import_sdk.ForbiddenError) {
     return { message: `${err.message}${traceSuffix}`, hint: "Your API key lacks the scope for this command. Create a key with the right scope in the portal." };
@@ -465,10 +502,10 @@ function openInBrowser(url, platform = process.platform) {
 
 // src/commands/signup.ts
 var import_crypto = require("crypto");
-var import_commander = require("commander");
-var import_inquirer = __toESM(require("inquirer"));
+var import_commander2 = require("commander");
+var import_inquirer2 = __toESM(require("inquirer"));
 var import_ora = __toESM(require("ora"));
-var import_sdk2 = require("@delegance/sdk");
+var import_sdk3 = require("@delegance/sdk");
 
 // src/utils/pending-signup.ts
 var fs3 = __toESM(require("fs"));
@@ -509,6 +546,82 @@ function clearPendingSignup(home) {
   }
 }
 
+// src/commands/terms.ts
+var import_commander = require("commander");
+var import_inquirer = __toESM(require("inquirer"));
+var import_sdk2 = require("@delegance/sdk");
+function termsAcceptRefusal(prompted) {
+  if (!prompted) {
+    return { kind: "error", message: `No prompt to answer. Read the Terms, then run "${cliCommand("terms accept --yes")}".` };
+  }
+  return { kind: "warn", message: "Not accepted. You can still quote; binding needs the current Terms." };
+}
+function termsLines(t) {
+  return [
+    `Delegance Terms of Service (version ${t.version}): ${t.termsUrl}`,
+    `Privacy Policy: ${t.privacyUrl}`,
+    ...t.summaries
+  ];
+}
+async function confirmTerms(t, opts) {
+  termsLines(t).forEach((l) => (opts.print ?? info)(l));
+  if (opts.flag) return true;
+  if (!opts.interactive) return false;
+  const ask = opts.ask ?? (async () => {
+    const a = await import_inquirer.default.prompt([{
+      type: "confirm",
+      name: "ok",
+      message: "Do you accept the Terms of Service and Privacy Policy?",
+      default: false
+    }]);
+    return a.ok === true;
+  });
+  return ask();
+}
+function createTermsCommand() {
+  const cmd = new import_commander.Command("terms").description("Show the Delegance Terms of Service, or accept the current version").option("--json", "Output as JSON").action(async (options) => {
+    try {
+      const t = await (0, import_sdk2.createSignup)({ baseUrl: getBaseUrl() }).getTerms();
+      if (options.json) {
+        json(t);
+        return;
+      }
+      termsLines(t).forEach((l) => info(l));
+      info(`Broker review before you bind: ${t.brokerReview.command}, or email ${t.brokerReview.email}`);
+    } catch (err) {
+      failWith("Could not load the Terms", err);
+    }
+  });
+  cmd.command("accept").description("Accept the current Terms of Service for your account (a bind can require it)").option("-y, --yes", "Accept without the prompt (you have read the Terms)").option("--json", "Output as JSON").action(async (options) => {
+    const client = getClient();
+    try {
+      const t = await client.terms.get();
+      const interactive = Boolean(process.stdin.isTTY && process.stdout.isTTY) && !options.json;
+      const ok = await confirmTerms(t, {
+        flag: options.yes === true,
+        interactive,
+        // --json keeps stdout to one JSON document; the Terms still print, on stderr.
+        ...options.json ? { print: (l) => console.error(l) } : {}
+      });
+      if (!ok) {
+        const refusal = termsAcceptRefusal(interactive);
+        if (refusal.kind === "error") error(refusal.message);
+        else warn(refusal.message);
+        process.exit(1);
+      }
+      const r = await client.terms.accept(t.version);
+      if (options.json) {
+        json(r);
+        return;
+      }
+      success(`Accepted the Terms of Service, version ${r.version}.`);
+    } catch (err) {
+      failWith("Could not record your acceptance", err);
+    }
+  });
+  return cmd;
+}
+
 // src/commands/signup.ts
 var EMAIL_RE = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
 var COMPANY_SIZES = ["0", "1", "2-10", "11-25", "26-50", "51-100", "100-499", "500+"];
@@ -533,34 +646,72 @@ function addressProblem(a) {
   if (!/^\d{5}(-\d{4})?$/.test(a.zip.trim())) return "ZIP must be 5 digits (or ZIP+4).";
   return null;
 }
+var TERMS_REASONS = /* @__PURE__ */ new Set(["terms_not_accepted", "terms_version_outdated"]);
+function isTermsRefusal(err) {
+  return err instanceof import_sdk3.DeleganceError && TERMS_REASONS.has(String(err.reason ?? ""));
+}
+async function loadSignupTerms(get) {
+  try {
+    return await get();
+  } catch (err) {
+    if (err instanceof import_sdk3.DeleganceError && err.statusCode === 404) return null;
+    throw err;
+  }
+}
+async function loadSignupTermsOrExit(baseUrl) {
+  try {
+    return await loadSignupTerms(() => (0, import_sdk3.createSignup)({ baseUrl }).getTerms());
+  } catch (err) {
+    failWith("Could not load the Terms of Service", err);
+  }
+}
+function nonInteractiveMissing(options, terms) {
+  const missing = missingSignupFields(options);
+  if (terms && options.acceptTerms !== true) missing.push("--accept-terms");
+  return missing;
+}
+async function acceptTermsOrExit(baseUrl, flag, preloaded) {
+  const interactive = Boolean(process.stdin.isTTY && process.stdout.isTTY);
+  const terms = preloaded === void 0 ? await loadSignupTermsOrExit(baseUrl) : preloaded;
+  if (!terms) return "";
+  const ok = await confirmTerms(terms, { flag, interactive });
+  if (!ok) {
+    if (interactive) warn("Not signed up. Delegance needs your acceptance of the Terms and Privacy Policy to open an account.");
+    else error("No terminal to ask in. Read the Terms and Privacy Policy above, then pass --accept-terms.");
+    process.exit(1);
+  }
+  return terms.version;
+}
 function exchangeRefusal(err) {
-  if (!(err instanceof import_sdk2.DeleganceError)) return null;
+  if (!(err instanceof import_sdk3.DeleganceError)) return null;
   switch (err.reason) {
     case "account_exists":
       return `This email already has a Delegance account, so signup did not attach it to a new one. Sign in and create a key at ${PORTAL_URL}/portal/settings/api-keys`;
     case "already_collected":
       return `The key for this signup was already collected. If you lost it, create a new key at ${PORTAL_URL}/portal/settings/api-keys`;
     case "expired":
-      return 'This signup expired (24 hours). Run "delegance signup" again.';
+      return `This signup expired (24 hours). Run "${cliInvocation()} signup" again.`;
     default:
       return null;
   }
 }
 async function ensureEnrolled(pending) {
   if (pending.enrollmentId) return pending;
-  const signup = (0, import_sdk2.createSignup)({ baseUrl: pending.baseUrl });
+  const signup = (0, import_sdk3.createSignup)({ baseUrl: pending.baseUrl });
   const hash = (0, import_crypto.createHash)("sha256").update(pending.deviceSecret).digest("hex");
   const enrollment = await signup.enroll(pending.bootstrapKey, {
     deviceSecretHash: hash,
     firstName: pending.firstName ?? "",
-    lastName: pending.lastName ?? ""
+    lastName: pending.lastName ?? "",
+    termsAccepted: true,
+    termsVersion: pending.termsVersion ?? ""
   });
   const next = { ...pending, enrollmentId: enrollment.enrollmentId, verificationSent: false };
   savePendingSignup(next);
   return sendVerification(next);
 }
 async function sendVerification(pending) {
-  await (0, import_sdk2.createSignup)({ baseUrl: pending.baseUrl }).requestVerification(pending.bootstrapKey);
+  await (0, import_sdk3.createSignup)({ baseUrl: pending.baseUrl }).requestVerification(pending.bootstrapKey);
   const next = { ...pending, verificationSent: true };
   savePendingSignup(next);
   return next;
@@ -571,14 +722,14 @@ function storeOrPrintKey(apiKey, store = storeApiKey) {
     return true;
   } catch (err) {
     error(`Could not save the key to ~/.delegance/credentials: ${err.message}`);
-    warn('Your key is below. It is shown once. Save it now, then run "delegance auth login --key <key>".');
+    warn(`Your key is below. It is shown once. Save it now, then run "${cliInvocation()} auth login --key <key>".`);
     console.log(apiKey);
     return false;
   }
 }
 async function waitAndStore(pending, timeoutMs) {
-  const signup = (0, import_sdk2.createSignup)({ baseUrl: pending.baseUrl });
-  const spinner = (0, import_ora.default)(`Waiting for you to click the link sent to ${pending.email} (Ctrl-C is safe: resume with "delegance verify")`).start();
+  const signup = (0, import_sdk3.createSignup)({ baseUrl: pending.baseUrl });
+  const spinner = (0, import_ora.default)(`Waiting for you to click the link sent to ${pending.email} (Ctrl-C is safe: resume with "${cliInvocation()} verify")`).start();
   const started = Date.now();
   try {
     const result = await signup.waitForKey(pending.enrollmentId, pending.deviceSecret, {
@@ -590,7 +741,7 @@ async function waitAndStore(pending, timeoutMs) {
     });
     if (result.status !== "ready") {
       spinner.warn("Still waiting on the email confirmation.");
-      info('Run "delegance verify" after you click the link.');
+      info(`Run "${cliInvocation()} verify" after you click the link.`);
       return;
     }
     spinner.stop();
@@ -598,7 +749,7 @@ async function waitAndStore(pending, timeoutMs) {
     setConfig("defaultCompanyId", result.companyId);
     clearPendingSignup();
     if (stored) success(`Verified. API key ${maskApiKey(result.apiKey)} saved to ~/.delegance/credentials`);
-    success("You can quote now: delegance quote start --coverage gl");
+    success(`You can quote now: ${cliInvocation()} quote start --coverage gl`);
   } catch (err) {
     spinner.stop();
     const why = exchangeRefusal(err);
@@ -628,21 +779,24 @@ function signupPrompts(options, interactive) {
   return all.filter((q) => q.when !== false).map(({ when: _when, ...q }) => q);
 }
 function createSignupCommand() {
-  return new import_commander.Command("signup").description("Create a Delegance account and get an API key, from the terminal").option("-e, --email <email>", "Your work email (the confirm link goes here)").option("-b, --business <name>", "Business name").option("--first <name>", "Your first name").option("--last <name>", "Your last name").option("-i, --industry <industry>", 'What the business does, e.g. "commercial bakery"').option("--size <size>", `Employees: ${COMPANY_SIZES.join(", ")}`).option("-w, --website <url>", "Website (full URL)").option("--street <street>", "Business street address").option("--city <city>", "City").option("--state <state>", "State, 2-letter code (carriers quote by state)").option("--zip <zip>", "ZIP code").option("-d, --description <text>", "A sentence on what the business does (helps carriers classify it)").option("--timeout <minutes>", "How long to wait for the email click", "15").option("--no-wait", 'Send the email and exit; collect later with "delegance verify"').action(async (options) => {
+  return new import_commander2.Command("signup").description("Create a Delegance account and get an API key, from the terminal").option("-e, --email <email>", "Your work email (the confirm link goes here)").option("-b, --business <name>", "Business name").option("--first <name>", "Your first name").option("--last <name>", "Your last name").option("-i, --industry <industry>", 'What the business does, e.g. "commercial bakery"').option("--size <size>", `Employees: ${COMPANY_SIZES.join(", ")}`).option("-w, --website <url>", "Website (full URL)").option("--street <street>", "Business street address").option("--city <city>", "City").option("--state <state>", "State, 2-letter code (carriers quote by state)").option("--zip <zip>", "ZIP code").option("-d, --description <text>", "A sentence on what the business does (helps carriers classify it)").option("--accept-terms", "Accept the Terms of Service and Privacy Policy (shown before the account is created)").option("--timeout <minutes>", "How long to wait for the email click", "15").option("--no-wait", 'Send the email and exit; collect later with "delegance verify"').action(async (options) => {
     const existing = loadPendingSignup();
     if (existing) {
       warn(`A signup for ${existing.email} is already waiting for its email confirmation.`);
-      info('Run "delegance verify" to finish it, or "delegance verify --cancel" to start over.');
+      info(`Run "${cliInvocation()} verify" to finish it, or "${cliInvocation()} verify --cancel" to start over.`);
       process.exit(1);
     }
+    const baseUrl = getBaseUrl();
+    let preloadedTerms;
     if (!(process.stdin.isTTY && process.stdout.isTTY)) {
-      const missing = missingSignupFields(options);
+      preloadedTerms = await loadSignupTermsOrExit(baseUrl);
+      const missing = nonInteractiveMissing(options, preloadedTerms);
       if (missing.length) {
         error(`No terminal to ask in. Missing: ${missing.join(" ")}`);
         process.exit(1);
       }
     }
-    const answers = await import_inquirer.default.prompt(signupPrompts(options, Boolean(process.stdin.isTTY && process.stdout.isTTY)));
+    const answers = await import_inquirer2.default.prompt(signupPrompts(options, Boolean(process.stdin.isTTY && process.stdout.isTTY)));
     const address = {
       street: String(options.street ?? answers.street).trim(),
       city: String(options.city ?? answers.city).trim(),
@@ -665,8 +819,8 @@ function createSignupCommand() {
       error(`--size must be one of: ${COMPANY_SIZES.join(", ")}`);
       process.exit(1);
     }
-    const baseUrl = getBaseUrl();
-    const signup = (0, import_sdk2.createSignup)({ baseUrl });
+    const termsVersion = await acceptTermsOrExit(baseUrl, options.acceptTerms === true, preloadedTerms);
+    const signup = (0, import_sdk3.createSignup)({ baseUrl });
     const spinner = (0, import_ora.default)("Creating your account...").start();
     try {
       const account = await signup.createAccount({
@@ -678,7 +832,7 @@ function createSignupCommand() {
         ...description ? { description } : {},
         ...options.website ? { website: options.website } : {}
       });
-      const device = (0, import_sdk2.newDeviceSecret)();
+      const device = (0, import_sdk3.newDeviceSecret)();
       let pending = {
         enrollmentId: "",
         deviceSecret: device.secret,
@@ -687,6 +841,7 @@ function createSignupCommand() {
         email,
         firstName: String(options.first ?? answers.first).trim(),
         lastName: String(options.last ?? answers.last).trim(),
+        termsVersion,
         baseUrl,
         createdAt: (/* @__PURE__ */ new Date()).toISOString()
       };
@@ -697,7 +852,7 @@ function createSignupCommand() {
         warn("We could not save your business address. Add it in the portal before quoting, or carriers cannot price you.");
       }
       if (options.wait === false) {
-        info('After you click it, run "delegance verify" to collect your API key.');
+        info(`After you click it, run "${cliInvocation()} verify" to collect your API key.`);
         return;
       }
       await waitAndStore(pending, Number(options.timeout) * 6e4 || 15 * 6e4);
@@ -708,17 +863,17 @@ function createSignupCommand() {
   });
 }
 function resendFailureMessage(err) {
-  if (err instanceof import_sdk2.DeleganceError && (err.statusCode === 401 || err.statusCode === 403)) {
+  if (err instanceof import_sdk3.DeleganceError && (err.statusCode === 401 || err.statusCode === 403)) {
     return "Your email is already confirmed, so there is nothing to re-send. Collecting your key now.";
   }
   const why = err instanceof Error ? err.message : String(err);
   return `Could not re-send the email (${why}). Still waiting for the link you already have.`;
 }
 function createVerifyCommand() {
-  return new import_commander.Command("verify").description("Finish a signup: wait for the email click and store your API key").option("--resend", "Send the confirm email again").option("--cancel", "Forget the in-progress signup on this machine").option("--timeout <minutes>", "How long to wait", "15").action(async (options) => {
+  return new import_commander2.Command("verify").description("Finish a signup: wait for the email click and store your API key").option("--resend", "Send the confirm email again").option("--cancel", "Forget the in-progress signup on this machine").option("--accept-terms", "Accept the Terms of Service, if this signup has not recorded an acceptance yet").option("--timeout <minutes>", "How long to wait", "15").action(async (options) => {
     const pending = loadPendingSignup();
     if (!pending) {
-      info('No signup is waiting on this machine. Start one with "delegance signup".');
+      info(`No signup is waiting on this machine. Start one with "${cliInvocation()} signup".`);
       return;
     }
     if (options.cancel) {
@@ -735,8 +890,21 @@ function createVerifyCommand() {
         failWith("Could not send the confirm email", err);
       }
     } else if (!pending.enrollmentId) {
+      let toEnroll = pending;
+      if (!pending.termsVersion) {
+        toEnroll = { ...pending, termsVersion: await acceptTermsOrExit(pending.baseUrl, options.acceptTerms === true) };
+        savePendingSignup(toEnroll);
+      }
       try {
-        resumed = await ensureEnrolled(pending);
+        try {
+          resumed = await ensureEnrolled(toEnroll);
+        } catch (err) {
+          if (!isTermsRefusal(err)) throw err;
+          warn("The Terms of Service changed since this signup started. Review them again.");
+          toEnroll = { ...toEnroll, termsVersion: await acceptTermsOrExit(pending.baseUrl, options.acceptTerms === true) };
+          savePendingSignup(toEnroll);
+          resumed = await ensureEnrolled(toEnroll);
+        }
         success(`Finished setting up the signup. We emailed a confirm link to ${pending.email}.`);
       } catch (err) {
         failWith("Could not finish the signup", err);
@@ -744,7 +912,7 @@ function createVerifyCommand() {
     }
     if (options.resend && resumed === pending) {
       try {
-        await (0, import_sdk2.createSignup)({ baseUrl: pending.baseUrl }).requestVerification(pending.bootstrapKey);
+        await (0, import_sdk3.createSignup)({ baseUrl: pending.baseUrl }).requestVerification(pending.bootstrapKey);
         success(`Sent the confirm link to ${pending.email} again.`);
       } catch (err) {
         info(resendFailureMessage(err));
@@ -775,27 +943,27 @@ function describeExpiry(expiresAt, now = /* @__PURE__ */ new Date()) {
   return `${date} (in ${days} day${days === 1 ? "" : "s"})`;
 }
 function deviceLoginRefusal(err) {
-  if (!(err instanceof import_sdk3.DeleganceError)) return null;
+  if (!(err instanceof import_sdk4.DeleganceError)) return null;
   switch (err.reason) {
     case "access_denied":
       return "The request was denied in the portal. Nothing was stored.";
     case "expired":
-      return 'The code expired before it was approved. Run "delegance auth login" again.';
+      return `The code expired before it was approved. Run "${cliInvocation()} auth login" again.`;
     case "already_collected":
-      return 'This login was already used. Run "delegance auth login" again.';
+      return `This login was already used. Run "${cliInvocation()} auth login" again.`;
     default:
       return null;
   }
 }
 function notAvailable(err) {
-  return err instanceof import_sdk3.DeleganceError && (err.statusCode === 404 || err.reason === "not_available");
+  return err instanceof import_sdk4.DeleganceError && (err.statusCode === 404 || err.reason === "not_available");
 }
 function pasteFallbackHint() {
-  info(`Create a key at ${PORTAL_URL}/portal/settings/api-keys, then run "delegance auth login --key <key>".`);
+  info(`Create a key at ${PORTAL_URL}/portal/settings/api-keys, then run "${cliInvocation()} auth login --key <key>".`);
 }
 async function readKeyInfo(apiKey, timeoutMs = 5e3) {
   try {
-    const client = new import_sdk3.DeleganceClient({ apiKey, baseUrl: getBaseUrl(), timeout: timeoutMs, retries: 0 });
+    const client = new import_sdk4.DeleganceClient({ apiKey, baseUrl: getBaseUrl(), timeout: timeoutMs, retries: 0 });
     return await client.auth.keyInfo();
   } catch {
     return null;
@@ -816,7 +984,7 @@ async function loginWithKey(apiKey, skipVerify) {
   }
   const spinner = (0, import_ora2.default)("Verifying API key...").start();
   try {
-    const client = new import_sdk3.DeleganceClient({ apiKey, baseUrl: getBaseUrl() });
+    const client = new import_sdk4.DeleganceClient({ apiKey, baseUrl: getBaseUrl() });
     const isValid = await client.verifyApiKey();
     if (!isValid) {
       spinner.fail("API key verification failed");
@@ -837,8 +1005,8 @@ async function loginWithKey(apiKey, skipVerify) {
   }
 }
 async function loginWithBrowser(openBrowser) {
-  const login = (0, import_sdk3.createDeviceLogin)({ baseUrl: getBaseUrl() });
-  const device = (0, import_sdk3.newDeviceSecret)();
+  const login = (0, import_sdk4.createDeviceLogin)({ baseUrl: getBaseUrl() });
+  const device = (0, import_sdk4.newDeviceSecret)();
   let start;
   try {
     start = await login.start({ deviceSecretHash: device.hash, deviceName: defaultDeviceName() });
@@ -868,7 +1036,7 @@ async function loginWithBrowser(openBrowser) {
     });
     if (result.status !== "ready") {
       spinner.fail("The code expired before it was approved.");
-      info('Run "delegance auth login" again.');
+      info(`Run "${cliInvocation()} auth login" again.`);
       process.exit(1);
     }
     spinner.stop();
@@ -892,7 +1060,7 @@ async function loginWithBrowser(openBrowser) {
   }
 }
 function createAuthCommand() {
-  const auth = new import_commander2.Command("auth").description("Manage authentication");
+  const auth = new import_commander3.Command("auth").description("Manage authentication");
   auth.command("login").description("Sign in: approve this terminal in the portal, or store an API key").option("-k, --key <apiKey>", "Store this API key instead of signing in with the browser").option("--paste", "Prompt for an API key instead of signing in with the browser").option("--no-browser", "Print the approval link without opening a browser").option("--skip-verify", "With --key or --paste: store without verification (useful when API is not reachable)").action(async (options) => {
     try {
       if (options.key) {
@@ -900,7 +1068,7 @@ function createAuthCommand() {
         return;
       }
       if (options.paste) {
-        const answers = await import_inquirer2.default.prompt([
+        const answers = await import_inquirer3.default.prompt([
           {
             type: "password",
             name: "apiKey",
@@ -925,7 +1093,7 @@ function createAuthCommand() {
     header("Authentication Status");
     if (!isAuthenticated()) {
       warn("Not authenticated");
-      info('Run "delegance auth login" to sign in, or "delegance signup" to create an account');
+      info(`Run "${cliInvocation()} auth login" to sign in, or "${cliInvocation()} signup" to create an account`);
       return;
     }
     const apiKey = getApiKey() || "";
@@ -935,20 +1103,20 @@ function createAuthCommand() {
     let origin = null;
     let refused = null;
     try {
-      const client = new import_sdk3.DeleganceClient({ apiKey, baseUrl: getBaseUrl(), timeout: 5e3, retries: 0 });
+      const client = new import_sdk4.DeleganceClient({ apiKey, baseUrl: getBaseUrl(), timeout: 5e3, retries: 0 });
       const keyInfo = await client.auth.keyInfo();
       origin = keyInfo.origin;
       expiryLine = describeExpiry(keyInfo.expiresAt);
       if (!fromEnv) setStoredKeyExpiry(keyInfo.expiresAt);
     } catch (err) {
-      if (err instanceof import_sdk3.DeleganceError && err.statusCode === 401) {
+      if (err instanceof import_sdk4.DeleganceError && err.statusCode === 401) {
         refused = err.reason === "key_expired" ? "Your API key expired" : err.reason === "key_membership_revoked" ? "Your API key was revoked: its user is no longer an active member of the company" : "Your API key was rejected by the server";
         expiryLine = err.reason === "key_expired" ? "Expired" : "Not valid";
       }
     }
     if (refused) {
       warn(refused);
-      info('Run "delegance auth login" to sign in again.');
+      info(`Run "${cliInvocation()} auth login" to sign in again.`);
     } else {
       success("Authenticated");
     }
@@ -966,18 +1134,18 @@ function createAuthCommand() {
     const apiKey = getApiKey();
     if (!apiKey) {
       error("Not authenticated");
-      info('Run "delegance auth login" to sign in');
+      info(`Run "${cliInvocation()} auth login" to sign in`);
       process.exit(1);
     }
     const spinner = (0, import_ora2.default)("Refreshing your key...").start();
     try {
-      const client = new import_sdk3.DeleganceClient({ apiKey, baseUrl: getBaseUrl() });
+      const client = new import_sdk4.DeleganceClient({ apiKey, baseUrl: getBaseUrl() });
       const { expiresAt } = await client.auth.refresh();
       if (!process.env.DELEGANCE_API_KEY) setStoredKeyExpiry(expiresAt);
       spinner.succeed(`Key refreshed. Expires ${describeExpiry(expiresAt)}.`);
     } catch (err) {
       spinner.stop();
-      if (err instanceof import_sdk3.DeleganceError && err.reason === "not_refreshable") {
+      if (err instanceof import_sdk4.DeleganceError && err.reason === "not_refreshable") {
         info("This key came from the portal and keeps the expiry it was created with. Nothing changed.");
         return;
       }
@@ -994,7 +1162,7 @@ function createAuthCommand() {
       return;
     }
     if (!options.force) {
-      const { confirm } = await import_inquirer2.default.prompt([
+      const { confirm } = await import_inquirer3.default.prompt([
         {
           type: "confirm",
           name: "confirm",
@@ -1014,7 +1182,7 @@ function createAuthCommand() {
   auth.command("whoami").description("Show current authenticated identity").action(async () => {
     if (!isAuthenticated()) {
       error("Not authenticated");
-      info('Run "delegance auth login" to authenticate');
+      info(`Run "${cliInvocation()} auth login" to authenticate`);
       process.exit(1);
     }
     const apiKey = getApiKey();
@@ -1024,7 +1192,7 @@ function createAuthCommand() {
     }
     const spinner = (0, import_ora2.default)("Fetching account info...").start();
     try {
-      const client = new import_sdk3.DeleganceClient({
+      const client = new import_sdk4.DeleganceClient({
         apiKey,
         baseUrl: getBaseUrl()
       });
@@ -1052,11 +1220,11 @@ function createAuthCommand() {
 }
 
 // src/commands/company.ts
-var import_commander3 = require("commander");
-var import_inquirer3 = __toESM(require("inquirer"));
+var import_commander4 = require("commander");
+var import_inquirer4 = __toESM(require("inquirer"));
 var import_ora3 = __toESM(require("ora"));
 function createCompanyCommand() {
-  const company = new import_commander3.Command("company").alias("companies").description("Manage companies");
+  const company = new import_commander4.Command("company").alias("companies").description("Manage companies");
   company.command("list").description("List companies").option("--include-created", "Include companies created via this API key").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora3.default)("Fetching companies...").start();
@@ -1092,7 +1260,7 @@ function createCompanyCommand() {
   company.command("create").description("Create a new company").option("-n, --name <name>", "Company name").option("-i, --industry <industry>", "Industry").option("-s, --size <size>", "Company size (1, 2-10, 11-25, 26-50, 51-100, 100-499, 500+)").option("-e, --email <email>", "Contact email").option("--fein <fein>", "FEIN (XX-XXXXXXX)").option("--website <url>", "Website URL").option("--external-id <id>", "External ID for deduplication").option("--interactive", "Interactive mode with prompts").option("--json", "Output as JSON").action(async (options) => {
     let companyData;
     if (options.interactive || !options.name && !options.industry) {
-      const answers = await import_inquirer3.default.prompt([
+      const answers = await import_inquirer4.default.prompt([
         {
           type: "input",
           name: "name",
@@ -1210,7 +1378,7 @@ function createCompanyCommand() {
     const companyId = getConfigValue("defaultCompanyId");
     if (!companyId) {
       info("No default company set");
-      info('Use "delegance company use <id>" to set one');
+      info(`Use "${cliInvocation()} company use <id>" to set one`);
       return;
     }
     const client = getClient();
@@ -1238,7 +1406,7 @@ function createCompanyCommand() {
 }
 
 // src/commands/document.ts
-var import_commander4 = require("commander");
+var import_commander5 = require("commander");
 var import_ora4 = __toESM(require("ora"));
 var fs4 = __toESM(require("fs"));
 var path4 = __toESM(require("path"));
@@ -1249,7 +1417,7 @@ function extractionOutcome(status) {
   return "pending";
 }
 function createDocumentCommand() {
-  const doc = new import_commander4.Command("doc").alias("docs").alias("document").alias("documents").description("Manage documents");
+  const doc = new import_commander5.Command("doc").alias("docs").alias("document").alias("documents").description("Manage documents");
   doc.command("upload <files...>").description("Upload one or more documents").option("-c, --company <id>", "Company ID (or use default)").option("-t, --type <type>", "Document type (policy, loss_run, financial_statement, sov, application, certificate, endorsement, bor, other)").option("--external-id <id>", "External ID for reference").option("-w, --wait", "Wait for extraction to complete").option("--timeout <ms>", "Timeout for waiting (default: 120000)", "120000").option("--json", "Output as JSON").action(async (filePatterns, options) => {
     const companyId = getCompanyId(options);
     const client = getClient();
@@ -1484,7 +1652,7 @@ function createDocumentCommand() {
           process.exit(1);
         } else {
           waitSpinner.warn(`Extraction still ${finished.status}`);
-          if (!options.json) info(`Run "delegance doc wait ${documentId}" to keep following it`);
+          if (!options.json) info(`Run "${cliInvocation()} doc wait ${documentId}" to keep following it`);
         }
         return;
       }
@@ -1492,7 +1660,7 @@ function createDocumentCommand() {
         json(result);
       } else {
         info(`${result.reprocessesRemaining} reprocess attempts left today`);
-        info(`Run "delegance doc wait ${documentId}" to follow it`);
+        info(`Run "${cliInvocation()} doc wait ${documentId}" to follow it`);
       }
     } catch (err) {
       spinner.fail("Failed to reprocess document");
@@ -1527,11 +1695,11 @@ function createDocumentCommand() {
 }
 
 // src/commands/chat.ts
-var import_commander5 = require("commander");
+var import_commander6 = require("commander");
 var import_ora5 = __toESM(require("ora"));
-var import_inquirer4 = __toESM(require("inquirer"));
+var import_inquirer5 = __toESM(require("inquirer"));
 function createChatCommand() {
-  const chat = new import_commander5.Command("ask").alias("chat").description("Ask the Orin insurance assistant a question");
+  const chat = new import_commander6.Command("ask").alias("chat").description("Ask the Orin insurance assistant a question");
   chat.command("query <question...>").alias("q").description("Ask a single question").option("-c, --conversation <id>", "Continue a previous conversation").option("--json", "Output as JSON").action(async (questionParts, options) => {
     const question = questionParts.join(" ");
     const client = getClient();
@@ -1567,7 +1735,7 @@ function createChatCommand() {
     console.log('Type your questions. Enter "exit" or "quit" to end the session.');
     console.log();
     while (true) {
-      const { question } = await import_inquirer4.default.prompt([
+      const { question } = await import_inquirer5.default.prompt([
         {
           type: "input",
           name: "question",
@@ -1627,18 +1795,102 @@ function createChatCommand() {
 }
 
 // src/commands/quote.ts
-var import_commander6 = require("commander");
+var import_commander7 = require("commander");
 var import_ora7 = __toESM(require("ora"));
-var import_inquirer6 = __toESM(require("inquirer"));
-var import_sdk5 = require("@delegance/sdk");
+var import_inquirer7 = __toESM(require("inquirer"));
+var import_sdk6 = require("@delegance/sdk");
 
 // src/commands/instant-quote.ts
 var fs5 = __toESM(require("fs"));
 var import_crypto2 = require("crypto");
 var import_chalk2 = __toESM(require("chalk"));
-var import_inquirer5 = __toESM(require("inquirer"));
+var import_inquirer6 = __toESM(require("inquirer"));
 var import_ora6 = __toESM(require("ora"));
-var import_sdk4 = require("@delegance/sdk");
+var import_sdk5 = require("@delegance/sdk");
+
+// src/utils/coverage-names.ts
+var NAMES = {
+  // General liability
+  cgl: "General Liability",
+  gl: "General Liability",
+  general_liability: "General Liability",
+  // Workers' comp
+  wc: "Workers' Comp",
+  workers_comp: "Workers' Comp",
+  workers_compensation: "Workers' Comp",
+  // Business owner's policy
+  bop: "Business Owner's Policy",
+  business_owners: "Business Owner's Policy",
+  business_owners_policy: "Business Owner's Policy",
+  // Cyber
+  cyber: "Cyber",
+  cyber_liability: "Cyber",
+  // Professional liability (E&O)
+  mpl: "Professional Liability (E&O)",
+  pl: "Professional Liability (E&O)",
+  pro_liab: "Professional Liability (E&O)",
+  professional_liability: "Professional Liability (E&O)",
+  eo: "Professional Liability (E&O)",
+  e_o: "Professional Liability (E&O)",
+  tech_eo: "Tech E&O",
+  errors_omissions: "Tech E&O",
+  // Auto
+  ca: "Commercial Auto",
+  auto: "Commercial Auto",
+  commercial_auto: "Commercial Auto",
+  // Property
+  cp: "Commercial Property",
+  property: "Commercial Property",
+  commercial_property: "Commercial Property",
+  // Umbrella
+  umbrella: "Umbrella",
+  excess: "Umbrella",
+  commercial_umbrella: "Umbrella",
+  // Builders risk
+  br: "Builders' Risk",
+  builders_risk: "Builders' Risk",
+  // Inland marine and marine
+  im: "Inland Marine",
+  inland_marine: "Inland Marine",
+  marine: "Marine",
+  // Management liability family
+  ml: "Management Liability",
+  management_liability: "Management Liability",
+  do: "Directors and Officers (D&O)",
+  d_o: "Directors and Officers (D&O)",
+  directors_officers: "Directors and Officers (D&O)",
+  epli: "Employment Practices Liability",
+  employment_practices: "Employment Practices Liability",
+  crime: "Crime",
+  fiduciary: "Fiduciary Liability",
+  fiduciary_liability: "Fiduciary Liability",
+  // Everything else on the canonical list
+  product_liability: "Product Liability",
+  liquor_liability: "Liquor Liability",
+  contractors_liability: "Contractors' Liability",
+  equipment_breakdown: "Equipment Breakdown",
+  environmental_liability: "Environmental Liability",
+  healthcare_medical: "Healthcare Medical Liability",
+  life_sciences: "Life Sciences",
+  hospitality_programs: "Hospitality Program",
+  commercial_flood: "Commercial Flood",
+  home_based_business: "Home-Based Business",
+  foreign_package: "Foreign Package",
+  multinational_package: "Multinational Package",
+  political_risk: "Political Risk",
+  trade_credit: "Trade Credit",
+  kidnap_ransom: "Kidnap and Ransom",
+  product_recall: "Product Recall",
+  railroad_liability: "Railroad Liability"
+};
+function coverageName(code) {
+  if (code === null || code === void 0) return "";
+  const key = code.trim().toLowerCase().replace(/[^a-z0-9]+/g, "_").replace(/^_+|_+$/g, "");
+  return NAMES[key] ?? code;
+}
+function coverageNames(codes) {
+  return codes.map(coverageName).filter(Boolean).join(", ");
+}
 
 // src/commerce/questions.ts
 var COVERAGE_ALIASES = {
@@ -1718,14 +1970,23 @@ function validateAnswers(questions, provided) {
   }
   return { answers, problems };
 }
+function rowStatus(q) {
+  if (String(q.state).toUpperCase() === "REFERRED") {
+    return q.resultStatus === "needs_info" ? "needs_info" : "referred";
+  }
+  return q.marketStatus || q.state;
+}
 function sortQuoteRows(quotes) {
   return quotes.map((q) => ({
     carrier: q.carrierName || q.carrierId,
     coverage: q.coverage ?? "",
     premium: q.premium,
-    status: q.marketStatus || q.state,
+    status: rowStatus(q),
     bindable: q.bindable === true && q.state === "QUOTED",
-    opportunityId: q.opportunityId
+    opportunityId: q.opportunityId,
+    limits: typeof q.limits === "string" && q.limits.trim() ? q.limits : null,
+    deductible: typeof q.deductible === "number" && Number.isFinite(q.deductible) ? q.deductible : null,
+    message: typeof q.message === "string" && q.message.trim() ? q.message.trim() : null
   })).sort((a, b) => {
     if (a.bindable !== b.bindable) return a.bindable ? -1 : 1;
     if (a.premium === null && b.premium === null) return 0;
@@ -1734,8 +1995,50 @@ function sortQuoteRows(quotes) {
     return a.premium - b.premium;
   });
 }
-function cheapestBindable(rows) {
-  return rows.find((r) => r.bindable && r.premium !== null) ?? null;
+function bestPerCoverage(rows) {
+  const best = /* @__PURE__ */ new Map();
+  for (const r of rows) {
+    if (!r.bindable || r.premium === null) continue;
+    const key = coverageName(r.coverage);
+    const cur = best.get(key);
+    if (!cur || r.premium < cur.premium) best.set(key, r);
+  }
+  return [...best.values()].sort((a, b) => a.premium - b.premium);
+}
+function groupRowsByCoverage(rows) {
+  const order = /* @__PURE__ */ new Map();
+  rows.forEach((r) => {
+    const key = coverageName(r.coverage);
+    if (!order.has(key)) order.set(key, order.size);
+  });
+  const rank = (r) => order.get(coverageName(r.coverage));
+  return rows.map((r, i) => ({ r, i })).sort((a, b) => rank(a.r) - rank(b.r) || a.i - b.i).map((x) => x.r);
+}
+var STATUS_WORDS = {
+  quote: "Quoted",
+  quoted: "Quoted",
+  declined: "Declined",
+  decline: "Declined",
+  quoting: "Pricing",
+  pending: "Pricing",
+  submitted: "Pricing",
+  in_progress: "Pricing",
+  referred: "Referred to an underwriter",
+  refer: "Referred to an underwriter",
+  needs_info: "Needs more info",
+  awaiting_broker_review: "With a broker",
+  broker_review: "With a broker",
+  bind_requested: "Bind requested",
+  bound: "Bound",
+  expired: "Expired",
+  error: "Failed",
+  failed: "Failed"
+};
+function quoteStatusWord(status) {
+  const key = status.trim().toLowerCase().replace(/[^a-z0-9]+/g, "_");
+  if (STATUS_WORDS[key]) return STATUS_WORDS[key];
+  const words = key.replace(/_/g, " ").trim();
+  return words ? words.charAt(0).toUpperCase() + words.slice(1) : status;
 }
 function summarizeStatus(s) {
   const quoted = s.carrierQuotes.filter((q) => q.premium !== null).length;
@@ -1785,7 +2088,14 @@ function formatKnown(q, value) {
 }
 
 // src/commerce/demo.ts
-var DEMO_BUSINESS = "Riverbend Bakery (demo), Austin TX, 6 employees";
+var DEMO_BUSINESS = "Riverbend Bakery (demo), Austin TX";
+var DEMO_SHORT_LABELS = {
+  annual_revenue: "Annual revenue",
+  employees: "Full-time employees",
+  delivery: "Delivers orders",
+  delivery_vehicles: "Delivery vehicles",
+  claims_5y: "Claims in last 5 years"
+};
 var DEMO_QUESTIONS = [
   { id: "annual_revenue", label: "Annual revenue (USD)", type: "currency", required: true, prefill: 85e4 },
   { id: "employees", label: "Full-time employees", type: "number", required: true, prefill: 6 },
@@ -1819,6 +2129,7 @@ var DEMO_QUESTIONS = [
 ];
 var DEMO_STATUS = {
   submissionId: "demo-submission",
+  effectiveDate: "2026-11-01",
   coverages: ["general_liability", "workers_comp"],
   expiresAt: null,
   submitted: true,
@@ -1826,19 +2137,19 @@ var DEMO_STATUS = {
   allCarriersResolved: true,
   awaitingBrokerReviewCount: 0,
   carrierQuotes: [
-    { opportunityId: "demo-1", carrierId: "CARRIER_A", carrierName: "Carrier A", coverage: "CGL", state: "QUOTED", marketStatus: "quote", premium: 612, quoteNumber: "DEMO-GL-1", bindable: true },
-    { opportunityId: "demo-2", carrierId: "CARRIER_B", carrierName: "Carrier B", coverage: "CGL", state: "QUOTED", marketStatus: "quote", premium: 748, quoteNumber: "DEMO-GL-2", bindable: true },
-    { opportunityId: "demo-3", carrierId: "CARRIER_C", carrierName: "Carrier C", coverage: "WC", state: "QUOTED", marketStatus: "quote", premium: 1184, quoteNumber: "DEMO-WC-1", bindable: true },
-    { opportunityId: "demo-4", carrierId: "CARRIER_D", carrierName: "Carrier D", coverage: "WC", state: "DECLINED", marketStatus: "declined", premium: null, quoteNumber: null, bindable: false }
+    { opportunityId: "demo-1", carrierId: "CARRIER_A", carrierName: "Carrier A", coverage: "CGL", state: "QUOTED", marketStatus: "quote", premium: 612, quoteNumber: "DEMO-GL-1", bindable: true, limits: "$1M per occurrence / $2M aggregate", deductible: 500 },
+    { opportunityId: "demo-2", carrierId: "CARRIER_B", carrierName: "Carrier B", coverage: "CGL", state: "QUOTED", marketStatus: "quote", premium: 748, quoteNumber: "DEMO-GL-2", bindable: true, limits: "$1M per occurrence / $2M aggregate", deductible: 1e3 },
+    { opportunityId: "demo-3", carrierId: "CARRIER_C", carrierName: "Carrier C", coverage: "WC", state: "QUOTED", marketStatus: "quote", premium: 1184, quoteNumber: "DEMO-WC-1", bindable: true, limits: "Statutory / $1M employers liability", deductible: 0 },
+    { opportunityId: "demo-4", carrierId: "CARRIER_D", carrierName: "Carrier D", coverage: "WC", state: "DECLINED", marketStatus: "declined", premium: null, quoteNumber: null, bindable: false, limits: null, deductible: null }
   ]
 };
 
 // src/commands/instant-quote.ts
 function activeRequestLines(err, coverageFlag) {
-  if (!(err instanceof import_sdk4.DeleganceError) || err.statusCode !== 409 || !err.body) return null;
+  if (!(err instanceof import_sdk5.DeleganceError) || err.statusCode !== 409 || !err.body) return null;
   const { body } = err;
   const code = body.message;
-  const requote = `delegance quote start --coverage ${coverageFlag} --replace`;
+  const requote = `${cliInvocation()} quote start --coverage ${coverageFlag} --replace`;
   if (code === "active_request_exists") {
     const active = Array.isArray(body.active) ? body.active : [];
     const first = active[0];
@@ -1846,7 +2157,7 @@ function activeRequestLines(err, coverageFlag) {
     const carriers = Array.isArray(first?.carriers) ? first.carriers.map((c) => `${c.carrierId}${c.state ? ` (${c.state.toLowerCase()})` : ""}`).join(", ") : "";
     return [
       `Already with carriers${id ? `: ${id}` : ""}${carriers ? `, ${carriers}` : ""}.`,
-      `Check it: ${id ? `delegance quote status ${id}` : "delegance quote status <id>"}   Replace it: ${requote}`
+      `Check it: ${id ? `${cliInvocation()} quote status ${id}` : `${cliInvocation()} quote status <id>`}   Replace it: ${requote}`
     ];
   }
   if (code === "replace_conflict") {
@@ -1898,7 +2209,7 @@ async function askOne(q, answers, fallback) {
       }
     };
   }
-  const { v } = await import_inquirer5.default.prompt([prompt]);
+  const { v } = await import_inquirer6.default.prompt([prompt]);
   const c = coerceAnswer(q, v);
   if (c.ok && c.value !== void 0) answers[q.id] = c.value;
 }
@@ -1909,7 +2220,7 @@ async function askQuestions(questions, answers = {}) {
     const round = planQuestionRound(questions, answers, handled);
     if (round.confirm.length + round.checklist.length + round.ask.length === 0) break;
     if (round.confirm.length) {
-      const { keep } = await import_inquirer5.default.prompt([
+      const { keep } = await import_inquirer6.default.prompt([
         {
           type: "checkbox",
           name: "keep",
@@ -1938,7 +2249,7 @@ async function askQuestions(questions, answers = {}) {
       }
     }
     if (round.checklist.length) {
-      const { yes } = await import_inquirer5.default.prompt([
+      const { yes } = await import_inquirer6.default.prompt([
         {
           type: "checkbox",
           name: "yes",
@@ -1949,7 +2260,7 @@ async function askQuestions(questions, answers = {}) {
       ]);
       const yn = checklistAnswers(round.checklist, yes);
       const yesCount = Object.values(yn).filter((v) => v === "yes").length;
-      const { ok } = await import_inquirer5.default.prompt([
+      const { ok } = await import_inquirer6.default.prompt([
         { type: "confirm", name: "ok", message: `Yes to ${yesCount}, No to ${round.checklist.length - yesCount}. Correct?`, default: true }
       ]);
       if (ok) {
@@ -1973,7 +2284,7 @@ function handoffLines(r) {
   if (!r.alreadyHandedOff && r.unansweredRequired > 0) {
     lines.push(`The broker will email you for the ${r.unansweredRequired} answer(s) still missing.`);
   }
-  lines.push(`Check it: delegance quote status ${r.submissionId}`);
+  lines.push(`Check it: ${cliInvocation()} quote status ${r.submissionId}`);
   return lines;
 }
 async function runBrokerHandoff(submissionId, instantAnswers, opts) {
@@ -1983,7 +2294,7 @@ async function runBrokerHandoff(submissionId, instantAnswers, opts) {
   try {
     plan = await client.instantQuotes.brokerHandoffQuestions(submissionId, instantAnswers);
   } catch (err) {
-    if (err instanceof import_sdk4.DeleganceError && err.statusCode === 503) {
+    if (err instanceof import_sdk5.DeleganceError && err.statusCode === 503) {
       say("A broker can still market it: reply to the confirmation email, or start in the portal.");
       return;
     }
@@ -2014,7 +2325,7 @@ async function runBrokerHandoff(submissionId, instantAnswers, opts) {
       process.exit(1);
     }
   } else if (!opts.json && isInteractive() && plan.questions.length > 0) {
-    info(`A broker can place ${plan.coverages.join(", ")} with a market that quotes by hand. ${plan.questions.length} application question(s) left.`);
+    info(`A broker can place ${coverageNames(plan.coverages)} with a market that quotes by hand. ${plan.questions.length} application question(s) left.`);
     info("Press Ctrl-C to stop at any point; what you have answered goes to the broker.");
     const onInterrupt = () => {
       complete = false;
@@ -2046,7 +2357,7 @@ async function sendHandoff(submissionId, input, idempotencyKey, asJson) {
     else handoffLines(result).forEach((l) => info(l));
   } catch (err) {
     spinner?.fail("Could not reach a broker");
-    console.error(`Try again: delegance quote handoff ${submissionId}`);
+    console.error(`Try again: ${cliInvocation()} quote handoff ${submissionId}`);
     failWith("API error", err);
   }
 }
@@ -2057,8 +2368,34 @@ function printFloorDrops(failures) {
   floors.forEach((f) => console.log(`  - ${f.carrierId}: ${f.missing}`));
   info("Add it to your business profile in the portal, then run the quote again.");
 }
+var AGENT_TIP = "Tip: your AI agent can do this for you. Open Claude Code, Codex, Gemini CLI or any coding agent in a folder with your insurance documents and ask it to get you a quote with npx -y @delegance/cli.";
+var premiumText = (n) => n === null ? "-" : formatCurrency(n);
+var deductibleText = (n) => n === null ? "-" : n === 0 ? "None" : formatCurrency(n);
+function bestPriceLines(best) {
+  if (best.length === 0) return [];
+  const names = best.map((r) => coverageName(r.coverage));
+  const nameW = Math.max(...names.map((n) => n.length));
+  const carrierW = Math.max(...best.map((r) => r.carrier.length));
+  return [
+    "Best price per coverage:",
+    ...best.map((r, i) => `  ${names[i].padEnd(nameW)}   ${r.carrier.padEnd(carrierW)}   ${formatCurrency(r.premium)}/yr`)
+  ];
+}
+function bindHintLines(submissionId, best) {
+  if (best.length === 1) return [`Bind it: ${cliCommand(`bind ${submissionId} ${best[0].opportunityId}`)}`];
+  return best.map((r) => `Bind ${coverageName(r.coverage)}: ${cliCommand(`bind ${submissionId} ${r.opportunityId}`)}`);
+}
+function demoClosingLines(best) {
+  const example = best[0] ? `   (e.g. bind ... ${best[0].opportunityId})` : "";
+  return [
+    `Next, on a real quote: ${cliCommand("bind <quote id> <offer>")}${example}`,
+    "DEMO: sample premiums, nothing went to a carrier.",
+    `Get real quotes: ${cliCommand("signup")}`,
+    AGENT_TIP
+  ];
+}
 function printQuoteTable(status, opts = {}) {
-  const rows = sortQuoteRows(status.carrierQuotes);
+  const rows = groupRowsByCoverage(sortQuoteRows(status.carrierQuotes));
   if (rows.length === 0) {
     if (status.brokerReview) {
       info(`A broker has this request (${status.brokerReview.status.replace(/_/g, " ")}). They place it by hand and email you with quotes or questions.`);
@@ -2068,25 +2405,67 @@ function printQuoteTable(status, opts = {}) {
     if (status.awaitingBrokerReviewCount > 0) info(`${status.awaitingBrokerReviewCount} quote(s) are with a broker for review.`);
     return;
   }
-  const best = cheapestBindable(rows);
-  if (best) {
-    console.log(import_chalk2.default.bold(`${opts.demo ? "[DEMO] " : ""}Cheapest bindable: ${best.carrier} ${best.coverage} at ${formatCurrency(best.premium)}/yr`));
+  const best = bestPerCoverage(rows);
+  const bestIds = new Set(best.map((r) => r.opportunityId));
+  const effectiveDate = status.effectiveDate;
+  console.log();
+  if (effectiveDate && opts.showStartDate !== false) {
+    console.log(`Coverage starts ${formatDateOnly(effectiveDate)}`);
+  }
+  const bestLines = bestPriceLines(best);
+  if (bestLines.length) {
+    console.log(import_chalk2.default.bold(bestLines[0]));
+    bestLines.slice(1).forEach((l) => console.log(l));
+    console.log();
   }
   table(
-    ["Carrier", "Coverage", "Premium/yr", "Status", "Bindable", "Offer id"],
+    ["Carrier", "Coverage", "Premium/yr", "Limits", "Deductible", "Status", "Offer"],
     rows.map((r) => {
-      const cells = [r.carrier, r.coverage, r.premium === null ? "-" : formatCurrency(r.premium), r.status, r.bindable ? "yes" : "no", r.opportunityId];
-      return r === best ? cells.map((c) => import_chalk2.default.bold(String(c))) : cells;
-    })
+      const cells = [
+        r.carrier,
+        coverageName(r.coverage),
+        premiumText(r.premium),
+        r.limits ?? "-",
+        deductibleText(r.deductible),
+        quoteStatusWord(r.status),
+        r.opportunityId
+      ];
+      return bestIds.has(r.opportunityId) ? cells.map((c) => import_chalk2.default.bold(c)) : cells;
+    }),
+    { compact: true }
   );
-  console.log(import_chalk2.default.dim(summarizeStatus(status)));
-  if (best && !opts.demo) {
-    console.log(import_chalk2.default.green(`Bind it: delegance bind ${status.submissionId} ${best.opportunityId}`));
+  const reasons = rows.filter((r) => r.message);
+  if (reasons.length) {
+    console.log();
+    reasons.forEach((r) => console.log(`${r.carrier} (${quoteStatusWord(r.status)}): ${r.message}`));
   }
-  if (opts.demo) console.log(import_chalk2.default.yellow('DEMO: sample premiums, nothing was sent to a carrier. Run "delegance signup" for real quotes.'));
+  console.log();
+  console.log(import_chalk2.default.dim(`${summarizeStatus(status)}.`));
+  if (opts.demo) {
+    const [next, notice, signup, tip] = demoClosingLines(best);
+    console.log(import_chalk2.default.green(next));
+    console.log(import_chalk2.default.yellow(notice));
+    console.log(import_chalk2.default.yellow(signup));
+    console.log(import_chalk2.default.dim(tip));
+    return;
+  }
+  bindHintLines(status.submissionId, best).forEach((l) => console.log(import_chalk2.default.green(l)));
+}
+function demoAnswerLines(answers, effectiveDate) {
+  const pairs = [];
+  for (const q of DEMO_QUESTIONS) {
+    if (answers[q.id] === void 0) continue;
+    const v = answers[q.id];
+    const shown = q.type === "currency" && typeof v === "number" ? formatCurrency(v) : formatKnown(q, v);
+    pairs.push([DEMO_SHORT_LABELS[q.id] ?? q.label, shown]);
+  }
+  if (effectiveDate) pairs.push(["Coverage starts", formatDateOnly(effectiveDate)]);
+  const w = Math.max(...pairs.map(([k]) => k.length));
+  return ["Sample answers (a real quote asks you these):", ...pairs.map(([k, v]) => `  ${k.padEnd(w)}   ${v}`)];
 }
 async function runDemo(asJson, answersFile) {
   (asJson ? console.error : console.log)(import_chalk2.default.yellow(`DEMO quote for ${DEMO_BUSINESS}. Nothing leaves this machine.`));
+  let printedStart = false;
   if (answersFile) {
     let provided;
     try {
@@ -2104,15 +2483,19 @@ async function runDemo(asJson, answersFile) {
     const mode = answerMode({ demo: true, hasAnswersFile: false, json: asJson, isTTY: isInteractive() });
     if (mode === "prompt") await askQuestions(DEMO_QUESTIONS);
     else {
-      suggestedAnswers(DEMO_QUESTIONS);
-      if (!asJson) info("No terminal to ask in, so the demo uses its suggested answers.");
+      const assumed = suggestedAnswers(DEMO_QUESTIONS);
+      if (!asJson) {
+        demoAnswerLines(assumed, DEMO_STATUS.effectiveDate).forEach((l) => console.log(l));
+        printedStart = true;
+      }
     }
   }
-  const spinner = asJson ? null : (0, import_ora6.default)("Asking carriers (demo)...").start();
+  const spinner = asJson ? null : (0, import_ora6.default)("Asking carriers (demo)...");
+  if (spinner && process.stderr.isTTY) spinner.start();
   await new Promise((resolve) => setTimeout(resolve, asJson ? 0 : 1200));
   spinner?.succeed("4 carriers answered (demo)");
   if (asJson) json({ demo: true, ...DEMO_STATUS });
-  else printQuoteTable(DEMO_STATUS, { demo: true });
+  else printQuoteTable(DEMO_STATUS, { demo: true, showStartDate: !printedStart });
 }
 function addInstantQuoteCommands(quote) {
   quote.command("start").description("Get instant quotes from real carriers: answers the questions, files them, waits for premiums").option("-c, --coverage <list>", "Coverages, comma-separated: gl, wc, bop, cyber, pl (E&O), auto, property, umbrella", "gl").option("-a, --answers <file>", "JSON file of answers keyed by question id (skips the prompts)").option("--demo", "Walk the flow on sample data; nothing is sent anywhere").option("--no-wait", 'File the quote and exit; check later with "quote status"').option("--timeout <minutes>", "How long to wait for premiums", "10").option("--replace", "Close the request already with carriers for this coverage and re-quote").option("--json", "Output as JSON").action(async (options) => {
@@ -2184,7 +2567,7 @@ function addInstantQuoteCommands(quote) {
         process.exit(1);
       }
       submitSpinner.fail("Submit failed");
-      console.error(`Before trying again, check whether it went through: delegance quote status ${session.submissionId}`);
+      console.error(`Before trying again, check whether it went through: ${cliInvocation()} quote status ${session.submissionId}`);
       failWith("API error", err);
     }
     if (submitted.status === "no_carriers") {
@@ -2200,14 +2583,14 @@ function addInstantQuoteCommands(quote) {
     }
     if (submitted.status === "acord_pending") {
       submitSpinner.succeed("Sent to a broker: these coverages need a person, not an instant quote.");
-      info(`Track it with: delegance quote status ${session.submissionId}`);
+      info(`Track it with: ${cliInvocation()} quote status ${session.submissionId}`);
       return;
     }
     submitSpinner.succeed(`Filed with ${submitted.quotes.filter((q) => q.status === "submitted").length} carrier(s).`);
     printFloorDrops(submitted.partialFailures);
     if (submitted.replaceNotice && !options.json) info(submitted.replaceNotice);
     if (options.wait === false) {
-      info(`Check premiums with: delegance quote status ${session.submissionId} --wait`);
+      info(`Check premiums with: ${cliInvocation()} quote status ${session.submissionId} --wait`);
       return;
     }
     await waitAndPrint(session.submissionId, Number(options.timeout) * 6e4 || 6e5, !!options.json);
@@ -2236,11 +2619,11 @@ function addInstantQuoteCommands(quote) {
       }
       if (submitted.status !== "submitted") {
         info("Sent to a broker for these coverages.");
-        info(`Check it: delegance quote status ${submissionId}`);
+        info(`Check it: ${cliInvocation()} quote status ${submissionId}`);
         return;
       }
       if (options.wait === false) {
-        info(`Check premiums with: delegance quote status ${submissionId} --wait`);
+        info(`Check premiums with: ${cliInvocation()} quote status ${submissionId} --wait`);
         return;
       }
       await waitAndPrint(submissionId, Number(options.timeout) * 6e4 || 6e5, !!options.json);
@@ -2251,7 +2634,7 @@ function addInstantQuoteCommands(quote) {
         guardLines.forEach((l) => options.json ? console.error(l) : info(l));
         process.exit(1);
       }
-      console.error(`Before trying again, check whether it went through: delegance quote status ${submissionId}`);
+      console.error(`Before trying again, check whether it went through: ${cliInvocation()} quote status ${submissionId}`);
       failWith("Submit failed", err);
     }
   });
@@ -2287,7 +2670,7 @@ async function waitAndPrint(submissionId, timeoutMs, asJson) {
     spinner?.stop();
     if (asJson) json(status);
     else printQuoteTable(status);
-    if (!status.allCarriersResolved && !asJson) info(`Some carriers are still working. Check again: delegance quote status ${submissionId} --wait`);
+    if (!status.allCarriersResolved && !asJson) info(`Some carriers are still working. Check again: ${cliInvocation()} quote status ${submissionId} --wait`);
   } catch (err) {
     spinner?.fail("Could not read the quote");
     failWith("API error", err);
@@ -2297,7 +2680,7 @@ async function waitAndPrint(submissionId, timeoutMs, asJson) {
 // src/commands/quote.ts
 var QUOTE_SUBMISSION_UNAVAILABLE = "Quote submission via API isn't available yet";
 function createQuoteCommand() {
-  const quote = new import_commander6.Command("quote").alias("quotes").description("Request and manage insurance quotes");
+  const quote = new import_commander7.Command("quote").alias("quotes").description("Request and manage insurance quotes");
   quote.command("carriers").description("List available carriers for quoting").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora7.default)("Fetching carriers...").start();
@@ -2344,7 +2727,7 @@ function createQuoteCommand() {
       process.exit(1);
     }
     if (options.interactive || carrierIds.length === 0 && !options.all) {
-      const { selectedCarriers } = await import_inquirer6.default.prompt([
+      const { selectedCarriers } = await import_inquirer7.default.prompt([
         {
           type: "checkbox",
           name: "selectedCarriers",
@@ -2400,13 +2783,13 @@ function createQuoteCommand() {
         }
         console.log();
         info(`Queue IDs: ${result.queueIds.join(", ")}`);
-        info('Use "delegance quote list" to check status');
+        info(`Use "${cliInvocation()} quote list" to check status`);
       }
     } catch (err) {
       spinner.fail("Failed to submit quote request");
-      if (err instanceof import_sdk5.NotImplementedError) {
+      if (err instanceof import_sdk6.NotImplementedError) {
         error(QUOTE_SUBMISSION_UNAVAILABLE);
-        info("For an instant quote from the terminal: delegance quote start --coverage gl");
+        info(`For an instant quote from the terminal: ${cliInvocation()} quote start --coverage gl`);
         info(`Or start a quote at ${PORTAL_URL}`);
         process.exit(1);
       }
@@ -2537,11 +2920,11 @@ function formatQuoteStatus(status) {
 }
 
 // src/commands/policy.ts
-var import_commander7 = require("commander");
-var import_inquirer7 = __toESM(require("inquirer"));
+var import_commander8 = require("commander");
+var import_inquirer8 = __toESM(require("inquirer"));
 var import_ora8 = __toESM(require("ora"));
 function createPolicyCommand() {
-  const policy = new import_commander7.Command("policy").alias("policies").description("Manage insurance policies");
+  const policy = new import_commander8.Command("policy").alias("policies").description("Manage insurance policies");
   policy.command("list").alias("ls").description("List all policies").option("-s, --status <status>", "Filter by status (active, expired, all)", "active").option("-t, --type <type>", "Filter by policy type").option("-l, --limit <n>", "Maximum results", "50").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora8.default)("Fetching policies...").start();
@@ -2564,7 +2947,7 @@ function createPolicyCommand() {
           ["Carrier", "Type", "Policy #", "Expiry", "Status", "Premium"],
           policies.map((p) => [
             p.carrier || "Unknown",
-            p.policyType || p.name || "-",
+            (p.policyType ? coverageName(p.policyType) : p.name) || "-",
             p.policyNumber || "-",
             p.expiryDate ? formatDate(p.expiryDate) : "-",
             formatPolicyStatus(p.isActive, p.daysUntilExpiry),
@@ -2598,21 +2981,21 @@ function createPolicyCommand() {
         if (urgent.length > 0) {
           warn(`\u26A0\uFE0F  Expiring within 7 days (${urgent.length}):`);
           for (const p of urgent) {
-            console.log(`   - ${p.carrier} ${p.policyType || p.name} - expires ${formatDate(p.expiryDate)}`);
+            console.log(`   - ${p.carrier} ${p.policyType ? coverageName(p.policyType) : p.name} - expires ${formatDate(p.expiryDate)}`);
           }
           console.log();
         }
         if (soon.length > 0) {
           info(`\u{1F4C5} Expiring within 30 days (${soon.length}):`);
           for (const p of soon) {
-            console.log(`   - ${p.carrier} ${p.policyType || p.name} - expires ${formatDate(p.expiryDate)}`);
+            console.log(`   - ${p.carrier} ${p.policyType ? coverageName(p.policyType) : p.name} - expires ${formatDate(p.expiryDate)}`);
           }
           console.log();
         }
         if (later.length > 0) {
           console.log(`\u{1F4C6} Expiring later (${later.length}):`);
           for (const p of later) {
-            console.log(`   - ${p.carrier} ${p.policyType || p.name} - ${p.daysUntilExpiry} days`);
+            console.log(`   - ${p.carrier} ${p.policyType ? coverageName(p.policyType) : p.name} - ${p.daysUntilExpiry} days`);
           }
         }
       }
@@ -2636,11 +3019,11 @@ function createPolicyCommand() {
       } else {
         const { policy: p, coverages } = found;
         console.log();
-        header(`${p.carrier} - ${p.policyType || p.name}`);
+        header(`${p.carrier} - ${p.policyType ? coverageName(p.policyType) : p.name}`);
         console.log();
         console.log(`  Policy #:       ${p.policyNumber || "N/A"}`);
         console.log(`  Carrier:        ${p.carrier}`);
-        console.log(`  Type:           ${p.policyType || "N/A"}`);
+        console.log(`  Type:           ${p.policyType ? coverageName(p.policyType) : "N/A"}`);
         console.log(`  Effective:      ${p.effectiveDate ? formatDate(p.effectiveDate) : "N/A"}`);
         console.log(`  Expiry:         ${p.expiryDate ? formatDate(p.expiryDate) : "N/A"}`);
         console.log(`  Status:         ${formatPolicyStatus(p.isActive, p.daysUntilExpiry)}`);
@@ -2691,14 +3074,14 @@ function createPolicyCommand() {
         return;
       }
       if (docs.length === 0) {
-        info("No source documents are linked to this policy yet. Upload one with: delegance document upload <file>");
+        info(`No source documents are linked to this policy yet. Upload one with: ${cliInvocation()} document upload <file>`);
         return;
       }
       table(
         ["Document", "File", "Type", "Status", "Added"],
         docs.map((d) => [d.id, d.fileName ?? "-", d.documentType ?? "-", d.status, d.createdAt ? formatDate(d.createdAt) : "-"])
       );
-      info("Download one with: delegance document status <documentId>");
+      info(`Download one with: ${cliInvocation()} document status <documentId>`);
     } catch (err) {
       failWith("API error", err);
     }
@@ -2731,9 +3114,9 @@ function createPolicyCommand() {
         await signWithStepUp(client, out.request.id, sig, void 0, void 0);
       } else {
         info(`Sign here: ${out.signatureUrl}`);
-        info(`Or sign from here: delegance policy sign ${out.request.id} --signer-name "..." --signer-title "..." --attest`);
+        info(`Or sign from here: ${cliInvocation()} policy sign ${out.request.id} --signer-name "..." --signer-title "..." --attest`);
       }
-      info(`Check progress with "delegance policy cancellation ${out.request.id}"`);
+      info(`Check progress with "${cliInvocation()} policy cancellation ${out.request.id}"`);
     } catch (err) {
       spinner.fail("Could not request the cancellation");
       failWith("API error", err);
@@ -2790,10 +3173,10 @@ async function signWithStepUp(client, requestId, sig, stepUpId, presetCode) {
   let code = presetCode;
   if (!code) {
     if (!process.stdin.isTTY) {
-      warn(`No terminal to type the code in. Finish with: delegance policy sign ${requestId} --signer-name "${sig.signerName}" --signer-title "${sig.signerTitle}" --attest --step-up ${id} --code <code>`);
+      warn(`No terminal to type the code in. Finish with: ${cliInvocation()} policy sign ${requestId} --signer-name "${sig.signerName}" --signer-title "${sig.signerTitle}" --attest --step-up ${id} --code <code>`);
       return;
     }
-    const answer = await import_inquirer7.default.prompt([{
+    const answer = await import_inquirer8.default.prompt([{
       type: "input",
       name: "code",
       message: "Code from your email:",
@@ -2820,11 +3203,11 @@ function formatPolicyStatus(isActive, daysUntilExpiry) {
 }
 
 // src/commands/coi.ts
-var import_commander8 = require("commander");
+var import_commander9 = require("commander");
 var import_ora9 = __toESM(require("ora"));
-var import_inquirer8 = __toESM(require("inquirer"));
+var import_inquirer9 = __toESM(require("inquirer"));
 function createCOICommand() {
-  const coi = new import_commander8.Command("coi").description("Generate and manage Certificates of Insurance");
+  const coi = new import_commander9.Command("coi").description("Generate and manage Certificates of Insurance");
   coi.command("generate").alias("create").description("Generate a Certificate of Insurance").option("-p, --policies <ids...>", "Policy IDs to include").option("-n, --holder-name <name>", "Certificate holder name").option("-a, --holder-address <address>", "Certificate holder address").option("--city <city>", "Certificate holder city").option("--state <state>", "Certificate holder state (2-letter)").option("--zip <zip>", "Certificate holder ZIP").option("-t, --type <type>", "Certificate type (additional_insured, certificate_holder)", "certificate_holder").option("-i, --interactive", "Interactive mode").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     let policyIds = options.policies || [];
@@ -2840,16 +3223,16 @@ function createCOICommand() {
       policiesSpinner.stop();
       if (policies.length === 0) {
         error("No active policies found");
-        info('Upload policy documents first with "delegance doc upload"');
+        info(`Upload policy documents first with "${cliInvocation()} doc upload"`);
         process.exit(1);
       }
-      const answers = await import_inquirer8.default.prompt([
+      const answers = await import_inquirer9.default.prompt([
         {
           type: "checkbox",
           name: "selectedPolicies",
           message: "Select policies to include:",
           choices: policies.map((p) => ({
-            name: `${p.carrier} - ${p.policyType || p.name} (${p.policyNumber || "No #"})`,
+            name: `${p.carrier} - ${p.policyType ? coverageName(p.policyType) : p.name} (${p.policyNumber || "No #"})`,
             value: p.id,
             checked: policyIds.includes(p.id)
           })),
@@ -2936,7 +3319,7 @@ function createCOICommand() {
         console.log();
         console.log("Policies included:");
         for (const p of result.policiesIncluded) {
-          console.log(`  - ${p.carrier} (${p.policyType})`);
+          console.log(`  - ${p.carrier} (${coverageName(p.policyType)})`);
         }
       }
     } catch (err) {
@@ -2952,7 +3335,7 @@ function createCOICommand() {
       spinner.succeed(`Found ${count} COIs`);
       if (cois.length === 0) {
         info("No COIs generated yet");
-        info('Generate one with "delegance coi generate --interactive"');
+        info(`Generate one with "${cliInvocation()} coi generate --interactive"`);
         return;
       }
       if (options.json) {
@@ -2979,12 +3362,12 @@ function createCOICommand() {
 }
 
 // src/commands/sov.ts
-var import_commander9 = require("commander");
+var import_commander10 = require("commander");
 var import_ora10 = __toESM(require("ora"));
 var import_fs = __toESM(require("fs"));
 var import_path = __toESM(require("path"));
 function createSOVCommand() {
-  const sov = new import_commander9.Command("sov").description("Manage Schedules of Values (property schedules)");
+  const sov = new import_commander10.Command("sov").description("Manage Schedules of Values (property schedules)");
   sov.command("upload <file>").description("Upload a Schedule of Values file").option("-l, --line <line>", "Line of business (property, inland_marine, etc)", "property").option("--effective <date>", "Effective date (YYYY-MM-DD)").option("--expiration <date>", "Expiration date (YYYY-MM-DD)").option("-w, --wait", "Wait for parsing to complete").option("--json", "Output as JSON").action(async (file, options) => {
     const client = getClient();
     const filePath = import_path.default.resolve(file);
@@ -3029,7 +3412,7 @@ function createSOVCommand() {
         info(`SOV ID: ${result.sovId}`);
         info(`Status: ${result.status}`);
         if (!options.wait) {
-          info('Use "delegance sov status <id>" to check parsing progress');
+          info(`Use "${cliInvocation()} sov status <id>" to check parsing progress`);
         }
       }
     } catch (err) {
@@ -3048,7 +3431,7 @@ function createSOVCommand() {
       spinner.succeed(`Found ${count} SOVs`);
       if (sovs.length === 0) {
         info("No SOVs found");
-        info('Upload one with "delegance sov upload schedule.xlsx"');
+        info(`Upload one with "${cliInvocation()} sov upload schedule.xlsx"`);
         return;
       }
       if (options.json) {
@@ -3142,7 +3525,7 @@ function showSOVDetails(s) {
 }
 
 // src/commands/appetite.ts
-var import_commander10 = require("commander");
+var import_commander11 = require("commander");
 var import_ora11 = __toESM(require("ora"));
 function num(value) {
   if (value === void 0) return void 0;
@@ -3190,7 +3573,7 @@ function printResult(result) {
   for (const w of result.warnings) warn(w);
 }
 function createAppetiteCommand() {
-  const appetite = new import_commander10.Command("appetite").description("Check which carriers will write a risk");
+  const appetite = new import_commander11.Command("appetite").description("Check which carriers will write a risk");
   appetite.command("match").description("Match a business to carrier appetite").requiredOption("-s, --state <state>", "Two-letter state code").option("-i, --industry <industry>", 'Industry, e.g. "bakery"').option("-d, --description <text>", "What the business does").option("--naics <code>", "NAICS code").option("--sic <code>", "SIC code").option("-c, --coverage <types>", "Comma-separated coverage types, e.g. general_liability,workers_comp").option("--carriers <names>", "Comma-separated carriers to limit the match to").option("--market-size <size>", '"Small Business" or "Middle Market"').option("--revenue <usd>", "Annual revenue").option("--payroll <usd>", "Annual payroll").option("--property-value <usd>", "Total property value").option("--min-fit <fit>", "Raise the quality floor: possible or strong").option("--top <n>", "Maximum matches (1-50)").option("--no-wait", "Return the job id instead of waiting for a cold match").option("--timeout <ms>", "How long to wait for a cold match", "120000").option("--json", "Output as JSON").action(async (options) => {
     const input = buildMatchInput(options);
     const timeoutMs = positiveInt(options.timeout, "--timeout");
@@ -3212,7 +3595,7 @@ function createAppetiteCommand() {
       if (!options.wait) {
         spinner.succeed(`Match queued: ${start.jobId}`);
         if (options.json) json(start);
-        else info(`Check it with "delegance appetite status ${start.jobId}"`);
+        else info(`Check it with "${cliInvocation()} appetite status ${start.jobId}"`);
         return;
       }
       spinner.text = `Matching appetite (about ${start.estimatedSeconds}s)...`;
@@ -3251,7 +3634,7 @@ function createAppetiteCommand() {
 }
 
 // src/commands/lead.ts
-var import_commander11 = require("commander");
+var import_commander12 = require("commander");
 var import_ora12 = __toESM(require("ora"));
 function buildLeadInput(options) {
   const input = {
@@ -3282,7 +3665,7 @@ function buildLeadInput(options) {
   return input;
 }
 function createLeadCommand() {
-  const lead = new import_commander11.Command("lead").alias("leads").description("Send prospect businesses to Delegance");
+  const lead = new import_commander12.Command("lead").alias("leads").description("Send prospect businesses to Delegance");
   lead.command("create").description("Create a lead (idempotent on --external-id and contact email)").requiredOption("-n, --name <name>", "Business name").requiredOption("-e, --email <email>", "Contact email").option("--legal-name <name>", "Legal name, if different").option("-i, --industry <industry>", "Industry").option("-p, --phone <phone>", "Contact phone").option("-w, --website <url>", "Website (full URL)").option("--size <size>", "Company size").option("-d, --description <text>", "What the business does").option("--naics <code>", "NAICS code").option("--sic <code>", "SIC code").option("-s, --state <state>", "Two-letter state code").option("--street <street>", "Street address").option("--suite <suite>", "Suite").option("--city <city>", "City").option("--address-state <state>", "Address state (defaults to --state)").option("--zip <zip>", "ZIP code").option("--external-id <id>", "Your id for this lead").option("--source <source>", "Lead source label").option("--notes <notes>", "Notes for the broker").option("--json", "Output as JSON").action(async (options) => {
     const input = buildLeadInput(options);
     if (input.address && (!input.address.street || !input.address.city || !input.address.state || !input.address.zip)) {
@@ -3305,11 +3688,11 @@ function createLeadCommand() {
 }
 
 // src/commands/knowledge.ts
-var import_commander12 = require("commander");
+var import_commander13 = require("commander");
 var import_ora13 = __toESM(require("ora"));
 var SEARCH_TYPES = ["notecard", "document_chunk"];
 function createKnowledgeCommand() {
-  const knowledge = new import_commander12.Command("knowledge").alias("kb").description("Search notecards and document facts");
+  const knowledge = new import_commander13.Command("knowledge").alias("kb").description("Search notecards and document facts");
   knowledge.command("search <query...>").description("Search notecards and document text").option("-t, --type <type>", `Limit to one result type (${SEARCH_TYPES.join(", ")})`).option("-l, --limit <n>", "Maximum results", "10").option("--json", "Output as JSON").action(async (queryParts, options) => {
     const client = getClient();
     const query = queryParts.join(" ");
@@ -3358,7 +3741,7 @@ function createKnowledgeCommand() {
         );
       }
       if (pagination.hasMore && pagination.nextCursor) {
-        info(`More: delegance knowledge notecards --cursor ${pagination.nextCursor}`);
+        info(`More: ${cliInvocation()} knowledge notecards --cursor ${pagination.nextCursor}`);
       }
     } catch (err) {
       spinner.fail("Failed to list notecards");
@@ -3411,7 +3794,7 @@ function createKnowledgeCommand() {
 }
 
 // src/commands/onboarding.ts
-var import_commander13 = require("commander");
+var import_commander14 = require("commander");
 var import_ora14 = __toESM(require("ora"));
 var ONBOARDING_STATES = [
   "created",
@@ -3421,7 +3804,7 @@ var ONBOARDING_STATES = [
   "ready"
 ];
 function createOnboardingCommand() {
-  const onboarding = new import_commander13.Command("onboarding").alias("onboard").description("Check account setup and onboarding state");
+  const onboarding = new import_commander14.Command("onboarding").alias("onboard").description("Check account setup and onboarding state");
   onboarding.command("status").description("Show the setup checklist and the next step").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora14.default)("Fetching onboarding status...").start();
@@ -3482,7 +3865,7 @@ function createOnboardingCommand() {
       const result = await client.onboarding.requestVerification();
       spinner.succeed(`Verification sent to ${result.sentTo}`);
       if (options.json) json(result);
-      else info('Open the link in that email, then check progress with "delegance onboarding state"');
+      else info(`Open the link in that email, then check progress with "${cliInvocation()} onboarding state"`);
     } catch (err) {
       spinner.fail("Failed to request verification");
       failWith("API error", err);
@@ -3512,7 +3895,7 @@ function createOnboardingCommand() {
 }
 
 // src/commands/usage.ts
-var import_commander14 = require("commander");
+var import_commander15 = require("commander");
 var import_ora15 = __toESM(require("ora"));
 function isoDay(daysAgo, now = /* @__PURE__ */ new Date()) {
   const d = new Date(now.getTime() - daysAgo * 24 * 60 * 60 * 1e3);
@@ -3522,7 +3905,7 @@ function cents(n) {
   return `$${(n / 100).toFixed(2)}`;
 }
 function createUsageCommand() {
-  const usage = new import_commander14.Command("usage").description("Show API usage, billing, and rate limits");
+  const usage = new import_commander15.Command("usage").description("Show API usage, billing, and rate limits");
   usage.command("summary").description("Usage for the current billing period").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora15.default)("Fetching usage summary...").start();
@@ -3602,21 +3985,30 @@ function createUsageCommand() {
 }
 
 // src/commands/keys.ts
-var import_commander15 = require("commander");
+var import_commander16 = require("commander");
 var import_ora16 = __toESM(require("ora"));
 var import_crypto3 = require("crypto");
-var import_sdk6 = require("@delegance/sdk");
+var import_sdk7 = require("@delegance/sdk");
 var KEYS_PORTAL_URL = `${PORTAL_URL}/portal/settings/api-keys`;
+function parseExpiresInDays(raw) {
+  if (raw === void 0 || raw === "") return void 0;
+  if (raw.trim().toLowerCase() === "never") return "never";
+  return parseInt(raw, 10);
+}
 function parseScopes(raw) {
   const parts = (Array.isArray(raw) ? raw : [raw ?? "read,write"]).flatMap((p) => p.split(/[\s,]+/)).map((p) => p.trim()).filter(Boolean);
-  const unknown = parts.filter((p) => !import_sdk6.API_KEY_SCOPES.includes(p));
+  const unknown = parts.filter((p) => !import_sdk7.API_KEY_SCOPES.includes(p));
   if (unknown.length > 0) {
-    throw new Error(`Unknown scope(s): ${unknown.join(", ")}. Allowed: ${import_sdk6.API_KEY_SCOPES.join(", ")}`);
+    throw new Error(`Unknown scope(s): ${unknown.join(", ")}. Allowed: ${import_sdk7.API_KEY_SCOPES.join(", ")}`);
   }
   return Array.from(new Set(parts));
 }
-function replacementExpiryDays(expiresAt, now = /* @__PURE__ */ new Date()) {
-  if (!expiresAt) return void 0;
+var EXPIRING_SCOPES = /* @__PURE__ */ new Set(["write", "admin", "claims:write"]);
+function isReadOnlyScopeSet(scopes) {
+  return !scopes.some((s) => EXPIRING_SCOPES.has(s));
+}
+function replacementExpiryDays(expiresAt, now = /* @__PURE__ */ new Date(), scopes = []) {
+  if (!expiresAt) return isReadOnlyScopeSet(scopes) ? "never" : void 0;
   const ms = new Date(expiresAt).getTime() - now.getTime();
   if (!Number.isFinite(ms)) throw new Error(`Cannot read the old key's expiry "${expiresAt}"; not rotating`);
   const days = Math.ceil(ms / (24 * 60 * 60 * 1e3));
@@ -3636,7 +4028,7 @@ function printCreatedKey(created) {
   console.log(`  ${created.key}`);
 }
 function createKeysCommand() {
-  const keys = new import_commander15.Command("keys").alias("api-keys").description("Manage API keys");
+  const keys = new import_commander16.Command("keys").alias("api-keys").description("Manage API keys");
   keys.command("list").alias("ls").description("List API keys for your company").option("-l, --limit <n>", "Maximum results", "50").option("--cursor <cursor>", "Page cursor from a previous list").option("--json", "Output as JSON").action(async (options) => {
     const client = getClient();
     const spinner = (0, import_ora16.default)("Fetching API keys...").start();
@@ -3665,14 +4057,14 @@ function createKeysCommand() {
         ])
       );
       if (pagination?.hasMore && pagination.nextCursor) {
-        info(`More keys: delegance keys list --cursor ${pagination.nextCursor}`);
+        info(`More keys: ${cliInvocation()} keys list --cursor ${pagination.nextCursor}`);
       }
     } catch (err) {
       spinner.fail("Failed to list API keys");
       failWith("API error", err);
     }
   });
-  keys.command("create <name>").description("Create an API key (needs a key with the admin scope)").option("-s, --scopes <scopes>", `Comma-separated scopes (${import_sdk6.API_KEY_SCOPES.join(", ")})`, "read,write").option("-e, --expires-in-days <days>", "Expire the key after N days (1-365)").option("--json", "Output as JSON").action(async (name, options) => {
+  keys.command("create <name>").description("Create an API key (needs a key with the admin scope)").option("-s, --scopes <scopes>", `Comma-separated scopes (${import_sdk7.API_KEY_SCOPES.join(", ")})`, "read,write").option("-e, --expires-in-days <days>", 'Expire the key after N days (1-365; default 90), or "never" for a read-only key').option("--json", "Output as JSON").action(async (name, options) => {
     let scopes;
     try {
       scopes = parseScopes(options.scopes);
@@ -3687,7 +4079,7 @@ function createKeysCommand() {
         {
           name,
           scopes,
-          expiresInDays: options.expiresInDays ? parseInt(options.expiresInDays) : void 0
+          expiresInDays: parseExpiresInDays(options.expiresInDays)
         },
         { idempotencyKey: (0, import_crypto3.randomUUID)() }
       );
@@ -3722,7 +4114,7 @@ function createKeysCommand() {
         {
           name: `${current2.name} (rotated)`,
           scopes: current2.scopes,
-          expiresInDays: replacementExpiryDays(current2.expiresAt)
+          expiresInDays: replacementExpiryDays(current2.expiresAt, /* @__PURE__ */ new Date(), current2.scopes)
         },
         { idempotencyKey: (0, import_crypto3.randomUUID)() }
       );
@@ -3733,6 +4125,9 @@ function createKeysCommand() {
       }
       printCreatedKey(created);
       console.log();
+      if (!current2.expiresAt && !isReadOnlyScopeSet(current2.scopes)) {
+        warn("The old key never expired. Keys that can write must expire now, so the new key lasts 90 days.");
+      }
       warn(`The old key ${current2.prefix} is still active.`);
       info(`Switch your integrations to the new key, then revoke the old one at ${KEYS_PORTAL_URL}`);
     } catch (err) {
@@ -3748,7 +4143,7 @@ function createKeysCommand() {
       spinner.succeed("API key revoked");
     } catch (err) {
       spinner.fail("Failed to revoke API key");
-      if (err instanceof import_sdk6.AuthenticationError) {
+      if (err instanceof import_sdk7.AuthenticationError) {
         error("Revoking a key needs a signed-in portal session today");
         info(`Revoke it at ${KEYS_PORTAL_URL}`);
         process.exit(1);
@@ -3760,10 +4155,10 @@ function createKeysCommand() {
 }
 
 // src/commands/config.ts
-var import_commander16 = require("commander");
-var import_inquirer9 = __toESM(require("inquirer"));
+var import_commander17 = require("commander");
+var import_inquirer10 = __toESM(require("inquirer"));
 function createConfigCommand() {
-  const config2 = new import_commander16.Command("config").description("Manage CLI configuration");
+  const config2 = new import_commander17.Command("config").description("Manage CLI configuration");
   config2.command("show").alias("list").description("Show current configuration").option("--json", "Output as JSON").action((options) => {
     const currentConfig = getConfig();
     const apiKey = getApiKey();
@@ -3807,7 +4202,7 @@ function createConfigCommand() {
   });
   config2.command("reset").description("Reset all configuration to defaults").option("-f, --force", "Skip confirmation").action(async (options) => {
     if (!options.force) {
-      const { confirm } = await import_inquirer9.default.prompt([
+      const { confirm } = await import_inquirer10.default.prompt([
         {
           type: "confirm",
           name: "confirm",
@@ -3824,7 +4219,7 @@ function createConfigCommand() {
     currentConfig.clear();
     clearCredentials();
     success("Configuration reset to defaults");
-    info('You will need to run "delegance auth login" again');
+    info(`You will need to run "${cliInvocation()} auth login" again`);
   });
   config2.command("env").description("Show environment information").action(() => {
     header("Environment");
@@ -3850,7 +4245,7 @@ function createConfigCommand() {
       info("No profiles configured");
       info("Profiles allow you to switch between different accounts/environments");
       console.log();
-      info("Example: delegance config set-profile production --url https://portal.delegancebrokerage.com");
+      info(`Example: ${cliInvocation()} config set-profile production --url https://portal.delegancebrokerage.com`);
     } else {
       for (const [name, profile] of Object.entries(profiles)) {
         const isActive = name === activeProfile;
@@ -3866,7 +4261,7 @@ function createConfigCommand() {
     const profiles = currentConfig.get("profiles") || {};
     if (!profiles[name] && name !== "default") {
       error(`Profile "${name}" not found`);
-      info("Create it with: delegance config set-profile <name> --url <base-url>");
+      info(`Create it with: ${cliInvocation()} config set-profile <name> --url <base-url>`);
       process.exit(1);
     }
     currentConfig.set("activeProfile", name);
@@ -3892,12 +4287,12 @@ function createConfigCommand() {
 }
 
 // src/commands/feedback.ts
-var import_commander17 = require("commander");
-var import_inquirer10 = __toESM(require("inquirer"));
-var import_sdk7 = require("@delegance/sdk");
+var import_commander18 = require("commander");
+var import_inquirer11 = __toESM(require("inquirer"));
+var import_sdk8 = require("@delegance/sdk");
 var TYPES = ["bug", "idea", "question"];
 var MESSAGE_MAX = 500;
-var USAGE = 'delegance feedback "what happened" [--type bug|idea|question] [--include-last]';
+var USAGE = `${cliInvocation()} feedback "what happened" [--type bug|idea|question] [--include-last]`;
 function feedbackInputMode(o) {
   if (o.message && o.message.trim()) return "given";
   return o.isTTY ? "prompt" : "usage_error";
@@ -3911,7 +4306,7 @@ function buildFeedbackContext(last) {
     ctx.at = last.at;
   }
   ctx.cliVersion = CLI_VERSION;
-  ctx.sdkVersion = import_sdk7.SDK_VERSION;
+  ctx.sdkVersion = import_sdk8.SDK_VERSION;
   return ctx;
 }
 function usageError(message) {
@@ -3920,14 +4315,14 @@ function usageError(message) {
   process.exit(2);
 }
 function createFeedbackCommand() {
-  return new import_commander17.Command("feedback").alias("bug").description("Report a bug, an idea, or a question to Delegance").argument("[message...]", "What happened (asked for when left out on a terminal)").option("-t, --type <type>", "bug, idea, or question", "bug").option("--include-last", "Attach the last command name, exit code, trace id, and CLI/SDK versions (never its arguments)").option("--json", "Output as JSON").action(async (words, options) => {
+  return new import_commander18.Command("feedback").alias("bug").description("Report a bug, an idea, or a question to Delegance").argument("[message...]", "What happened (asked for when left out on a terminal)").option("-t, --type <type>", "bug, idea, or question", "bug").option("--include-last", "Attach the last command name, exit code, trace id, and CLI/SDK versions (never its arguments)").option("--json", "Output as JSON").action(async (words, options) => {
     const type = String(options.type ?? "bug").toLowerCase();
     if (!TYPES.includes(type)) usageError(`--type must be bug, idea, or question, got "${options.type}"`);
     let message = (words ?? []).join(" ").trim();
     const mode = feedbackInputMode({ message, isTTY: Boolean(process.stdin.isTTY && process.stdout.isTTY) });
     if (mode === "usage_error") usageError(`Say what happened: ${USAGE}`);
     if (mode === "prompt") {
-      const answer = await import_inquirer10.default.prompt([
+      const answer = await import_inquirer11.default.prompt([
         { type: "input", name: "message", message: type === "bug" ? "What went wrong?" : "What would you like to tell us?" }
       ]);
       message = String(answer.message ?? "").trim();
@@ -3948,12 +4343,42 @@ function createFeedbackCommand() {
   });
 }
 
+// src/utils/checkbox-prompt.ts
+var import_inquirer12 = __toESM(require("inquirer"));
+var import_chalk3 = __toESM(require("chalk"));
+var CHECKBOX_HINT = "(space to select, Enter to continue)";
+var registered = false;
+function minimalCheckboxPrompt(Base) {
+  return class MinimalCheckboxPrompt extends Base {
+    constructor(...args) {
+      super(...args);
+      this.dontShowHints = true;
+    }
+    getQuestion() {
+      const question = super.getQuestion();
+      return this.status === "answered" ? question : `${question}${import_chalk3.default.dim(CHECKBOX_HINT)} `;
+    }
+    onAllKey() {
+    }
+    onInverseKey() {
+    }
+  };
+}
+function registerMinimalCheckbox() {
+  if (registered) return;
+  const prompts = import_inquirer12.default.prompt.prompts;
+  const Base = prompts?.checkbox;
+  if (!Base) return;
+  import_inquirer12.default.registerPrompt("checkbox", minimalCheckboxPrompt(Base));
+  registered = true;
+}
+
 // src/commands/commerce.ts
-var import_commander18 = require("commander");
+var import_commander19 = require("commander");
 var fs7 = __toESM(require("fs"));
-var import_inquirer11 = __toESM(require("inquirer"));
+var import_inquirer13 = __toESM(require("inquirer"));
 var import_ora17 = __toESM(require("ora"));
-var import_sdk8 = require("@delegance/sdk");
+var import_sdk9 = require("@delegance/sdk");
 function formatCents(cents2, currency = "usd") {
   return currency.toLowerCase() === "usd" ? formatCurrency(cents2 / 100) : `${(cents2 / 100).toFixed(2)} ${currency.toUpperCase()}`;
 }
@@ -3979,9 +4404,58 @@ function describeBindResult(r) {
   lines.push(r.next);
   return lines;
 }
+var BROKER_REVIEW_EMAIL = "support@delegancebrokerage.com";
+function selfDirectedAckLines(submissionId, offerId) {
+  return [
+    "This is a self-directed placement: Delegance binds the coverage you chose and does not advise on whether it fits your needs (Terms Section 9A).",
+    `Want a licensed broker to review it first? Run: ${cliInvocation()} bind ${submissionId} ${offerId} --broker-review`
+  ];
+}
+function brokerReviewMailto(submissionId, offerId) {
+  const subject = encodeURIComponent(`Broker review before bind: submission ${submissionId}, offer ${offerId}`);
+  return `mailto:${BROKER_REVIEW_EMAIL}?subject=${subject}`;
+}
+function brokerReviewLines(submissionId, offerId) {
+  return [
+    "Nothing was bound, and no review has been requested yet.",
+    `To request a review by a licensed Delegance broker, send an email to ${BROKER_REVIEW_EMAIL}`,
+    `naming submission ${submissionId} and offer ${offerId}: ${brokerReviewMailto(submissionId, offerId)}`,
+    "Wait for the broker to reply before you bind. A reviewed placement is not self-directed."
+  ];
+}
+function brokerReviewResult(submissionId, offerId) {
+  return {
+    bound: false,
+    reviewRequested: false,
+    submissionId,
+    offerId,
+    brokerReview: { email: BROKER_REVIEW_EMAIL, mailto: brokerReviewMailto(submissionId, offerId) },
+    message: brokerReviewLines(submissionId, offerId)
+  };
+}
+function exactDollars(cents2) {
+  return `$${(cents2 / 100).toLocaleString("en-US", { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+}
+function describeFinancing(f) {
+  if (!f || !f.available) return [];
+  const lines = [];
+  if (f.checkoutUrl) {
+    lines.push(`Pay over time with ${f.lender}: ${f.checkoutUrl}`);
+  } else {
+    lines.push(`Financing with ${f.lender} opens once your broker confirms the final premium.`);
+  }
+  const t = f.terms;
+  if (t && t.aprBps !== null && t.downPaymentCents !== null && t.installmentCents !== null && t.numberOfInstallments !== null) {
+    lines.push(
+      `Lender terms: ${(t.aprBps / 100).toFixed(2)}% APR, ${exactDollars(t.downPaymentCents)} down, ${t.numberOfInstallments} payments of ${exactDollars(t.installmentCents)}.`
+    );
+  }
+  lines.push(f.disclosure);
+  return lines;
+}
 async function askCode() {
   if (!process.stdin.isTTY) return null;
-  const answer = await import_inquirer11.default.prompt([{
+  const answer = await import_inquirer13.default.prompt([{
     type: "input",
     name: "code",
     message: "Code from your email:",
@@ -3990,11 +4464,19 @@ async function askCode() {
   return String(answer.code).trim();
 }
 function createBindCommand() {
-  return new import_commander18.Command("bind").description('Bind one offer from "quote status": the carrier checkout when the carrier offers it, otherwise a broker review').argument("<submissionId>", "The quote submission id").argument("<offerId>", "The offer id from the quote table").option("--attest", "Confirm the application answers are accurate (asked interactively when omitted)").option("--step-up <id>", "Finish an earlier attempt: the stepUpId the code email belongs to").option("--code <code>", "The 6-digit code from the email").option("--json", "Output as JSON").action(async (submissionId, offerId, options) => {
+  return new import_commander19.Command("bind").description('Bind one offer from "quote status": the carrier checkout when the carrier offers it, otherwise a broker review').argument("<submissionId>", "The quote submission id").argument("<offerId>", "The offer id from the quote table").option("--attest", "Confirm the application answers are accurate (asked interactively when omitted)").option("--broker-review", "Do not bind; ask a licensed broker to review this coverage first").option("--step-up <id>", "Finish an earlier attempt: the stepUpId the code email belongs to").option("--code <code>", "The 6-digit code from the email").option("--json", "Output as JSON").action(async (submissionId, offerId, options) => {
+    if (options.brokerReview) {
+      if (options.json) json(brokerReviewResult(submissionId, offerId));
+      else brokerReviewLines(submissionId, offerId).forEach((l) => info(l));
+      return;
+    }
     const client = getClient();
+    const ack = selfDirectedAckLines(submissionId, offerId);
+    if (options.json) ack.forEach((l) => console.error(l));
+    else ack.forEach((l) => info(l));
     let attest = options.attest === true;
     if (!attest && process.stdin.isTTY && !options.json) {
-      const a = await import_inquirer11.default.prompt([{
+      const a = await import_inquirer13.default.prompt([{
         type: "confirm",
         name: "ok",
         message: "Are the answers on this application accurate? Binding relies on them.",
@@ -4002,7 +4484,7 @@ function createBindCommand() {
       }]);
       attest = a.ok === true;
       if (!attest) {
-        warn('Not bound. Fix the answers with "delegance quote start", then bind again.');
+        warn(`Not bound. Fix the answers with "${cliInvocation()} quote start", then bind again.`);
         return;
       }
     }
@@ -4018,7 +4500,7 @@ function createBindCommand() {
         info(`We emailed a 6-digit code to ${r.sentTo}. It expires in 10 minutes.`);
         const code = options.code ? String(options.code) : await askCode();
         if (!code) {
-          warn(`Finish with: delegance bind ${submissionId} ${offerId} --attest --step-up ${stepUpId} --code <code>`);
+          warn(`Finish with: ${cliInvocation()} bind ${submissionId} ${offerId} --attest --step-up ${stepUpId} --code <code>`);
           return;
         }
         r = await client.instantQuotes.bindWithStepUp(submissionId, offerId, { ...attest ? { attest: true } : {}, stepUpId, code });
@@ -4028,16 +4510,17 @@ function createBindCommand() {
         }
       }
       if (options.json) {
-        json(r);
+        json({ ...r, selfDirected: true, disclosure: ack[0] });
         return;
       }
       if (r.existing) warn(`A bind for this coverage is already open (${r.carrierName}). Showing it.`);
-      else if (r.tier !== "A") success(`Bind requested: ${r.carrierName} ${r.coverage}${r.premium === null ? "" : ` at ${formatCurrency(r.premium)}/yr`}`);
+      else if (r.tier !== "A") success(`Bind requested: ${r.carrierName} ${coverageName(r.coverage)}${r.premium === null ? "" : ` at ${formatCurrency(r.premium)}/yr`}`);
       keyValue({ "Bind request": r.bindRequestId, Status: r.status });
       describeBindResult(r).forEach((l) => info(l));
+      describeFinancing(r.financing).forEach((l) => info(l));
     } catch (err) {
       spinner?.stop();
-      if (err instanceof import_sdk8.DeleganceError && [400, 403, 409].includes(err.statusCode ?? 0)) {
+      if (err instanceof import_sdk9.DeleganceError && [400, 403, 409].includes(err.statusCode ?? 0)) {
         error(err.message);
         process.exit(1);
       }
@@ -4058,7 +4541,7 @@ function summarizeBilling(payments) {
   return { openCents, paidCents, openCount };
 }
 function createBillingCommand() {
-  return new import_commander18.Command("billing").description("What you owe and what you paid: every premium payment request on the account").option("--json", "Output as JSON").action(async (options) => {
+  return new import_commander19.Command("billing").description("What you owe and what you paid: every premium payment request on the account").option("--json", "Output as JSON").action(async (options) => {
     try {
       const payments = await getClient().payments.list();
       const sum = summarizeBilling(payments);
@@ -4075,14 +4558,14 @@ function createBillingCommand() {
         payments.map((p) => [p.id, formatCents(p.amount, p.currency), p.status, p.dueDate ? formatDate(p.dueDate) : "-", p.description ?? "-"])
       );
       keyValue({ "Open": `${formatCents(sum.openCents)} (${sum.openCount})`, "Paid": formatCents(sum.paidCents) });
-      if (sum.openCount > 0) info("Pay one with: delegance pay <paymentId>");
+      if (sum.openCount > 0) info(`Pay one with: ${cliInvocation()} pay <paymentId>`);
     } catch (err) {
       failWith("API error", err);
     }
   });
 }
 function createPayCommand() {
-  return new import_commander18.Command("pay").description("Pay a premium: list payment requests, or get a checkout link for one").argument("[paymentId]", "Payment request to pay (omit to list them)").option("--json", "Output as JSON").action(async (paymentId, options) => {
+  return new import_commander19.Command("pay").description("Pay a premium: list payment requests, or get a checkout link for one").argument("[paymentId]", "Payment request to pay (omit to list them)").option("--json", "Output as JSON").action(async (paymentId, options) => {
     const client = getClient();
     try {
       if (!paymentId) {
@@ -4100,7 +4583,7 @@ function createPayCommand() {
           payments.map((p) => [p.id, formatCents(p.amount, p.currency), p.description ?? "", p.payable ? `${p.status} (payable)` : p.status, p.dueDate ? formatDate(p.dueDate) : "-"])
         );
         const next = payments.find((p) => p.payable);
-        if (next) info(`Pay it: delegance pay ${next.id}`);
+        if (next) info(`Pay it: ${cliInvocation()} pay ${next.id}`);
         return;
       }
       const { checkoutUrl } = await client.payments.checkout(paymentId);
@@ -4130,14 +4613,14 @@ function bondStartLines(r, ctx = {}) {
         out.push(`  ${str(q.key)}: ${str(q.label)}${q.required ? " (required)" : ""}${opts}`);
       });
     }
-    out.push(`Answer with: delegance bond answer ${str(r.session_id)} --answers answers.json`);
+    out.push(`Answer with: ${cliInvocation()} bond answer ${str(r.session_id)} --answers answers.json`);
     return out;
   }
   if (Array.isArray(r.candidates) && r.candidates.length) {
     out.push("That name fits more than one bond. Rerun with the exact name:");
     const rawState = (ctx.state ?? "").trim();
     const state = !rawState ? null : /^[A-Za-z]{2}$/.test(rawState) ? rawState.toUpperCase() : shellQuote(rawState);
-    r.candidates.forEach((name) => out.push(state ? `  delegance bond quote --state ${state} --bond ${shellQuote(str(name))}` : `  --bond ${shellQuote(str(name))}`));
+    r.candidates.forEach((name) => out.push(state ? `  ${cliInvocation()} bond quote --state ${state} --bond ${shellQuote(str(name))}` : `  --bond ${shellQuote(str(name))}`));
     return out;
   }
   if (r.needsAmount) {
@@ -4167,7 +4650,7 @@ function bondStartLines(r, ctx = {}) {
   return out;
 }
 function createBondCommand() {
-  const bond = new import_commander18.Command("bond").alias("bonds").description("Surety bond quotes");
+  const bond = new import_commander19.Command("bond").alias("bonds").description("Surety bond quotes");
   bond.command("quote").description("Start a bond quote and list its questions").requiredOption("-s, --state <state>", "Two-letter state, e.g. TX").option("-b, --bond <name>", 'Bond name or keyword, e.g. "notary", "contractor license"').option("--entity-id <id>", "Exact bond id, when you have it").option("--contract-amount <amount>", "Contract value, for contract bonds").option("--bond-amount <amount>", "Bond penal sum").option("--json", "Output as JSON").action(async (options) => {
     try {
       const r = await getClient().bonds.start({
@@ -4192,7 +4675,7 @@ function createBondCommand() {
       if (options.json) json(r);
       else {
         console.log(JSON.stringify(r, null, 2));
-        info(`Check it: delegance bond status ${sessionId}`);
+        info(`Check it: ${cliInvocation()} bond status ${sessionId}`);
       }
     } catch (err) {
       failWith("Could not submit the answers", err);
@@ -4213,7 +4696,7 @@ function createBondCommand() {
   return bond;
 }
 function createClaimCommand() {
-  const claim = new import_commander18.Command("claim").alias("claims").description("File and track claims");
+  const claim = new import_commander19.Command("claim").alias("claims").description("File and track claims");
   claim.command("file").description("File a claim. The first time, accept the claims disclaimer in the portal").option("-d, --description <text>", "What happened (visible in shell history; prefer --description-file)").option("--description-file <file>", "Read what happened from a file, or - for stdin").option("--date <yyyy-mm-dd>", "When it happened").option("--policy <id>", "Policy id, if you know it").option("--json", "Output as JSON").action(async (options) => {
     let description = options.description;
     if (options.descriptionFile) {
@@ -4237,7 +4720,7 @@ function createClaimCommand() {
       success(r.message);
       keyValue({ Claim: r.claimId, Status: r.status, Portal: r.portalUrl });
     } catch (err) {
-      if (err instanceof import_sdk8.DeleganceError && err.reason === "gate_not_acknowledged") {
+      if (err instanceof import_sdk9.DeleganceError && err.reason === "gate_not_acknowledged") {
         error("Accept the claims disclaimer once in the portal, then file again. It cannot be accepted for you.");
         info(String(err.body?.portalUrl ?? ""));
         process.exit(1);
@@ -4269,7 +4752,8 @@ function createClaimCommand() {
 
 // src/program.ts
 function createProgram() {
-  const program2 = new import_commander19.Command();
+  registerMinimalCheckbox();
+  const program2 = new import_commander20.Command();
   program2.name("delegance").description("CLI for the Delegance Brokerage platform").version(CLI_VERSION).enablePositionalOptions().option("-v, --verbose", "Enable verbose output").option("--json", "Output in JSON format").hook("preAction", () => {
     migrateLegacyConfigKey();
   });
@@ -4295,6 +4779,7 @@ function createProgram() {
   program2.addCommand(createBondCommand());
   program2.addCommand(createClaimCommand());
   program2.addCommand(createFeedbackCommand());
+  program2.addCommand(createTermsCommand());
   program2.addCommand(createConfigCommand());
   return program2;
 }
@@ -4303,9 +4788,9 @@ function createProgram() {
 var program = createProgram();
 installLastCommandRecorder(program);
 program.on("command:*", () => {
-  console.error(import_chalk3.default.red(`Unknown command: ${program.args.join(" ")}`));
+  console.error(import_chalk4.default.red(`Unknown command: ${program.args.join(" ")}`));
   console.log();
-  console.log('Run "delegance --help" for a list of available commands.');
+  console.log(`Run "${cliInvocation()} --help" for a list of available commands.`);
   process.exit(1);
 });
 if (process.argv.length === 2) {