@i4e/invest4edu-access-core 0.34.0 → 0.36.0

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@i4e/invest4edu-access-core",
-  "version": "0.34.0",
+  "version": "0.36.0",
   "description": "Shared access-control primitives for NeoFindesk: tenant keystone, role capabilities, reportee tree, entity/role vocabulary, feature flags, and the unified access engine (registry schema, snapshot resolver, visibleWhen).",
   "type": "module",
   "exports": {

package/src/report-audience.js

@@ -58,6 +58,17 @@ export const AUDIENCE = Object.freeze({
  */
 export const SECTION_KEYS = Object.freeze([
   "actions", // the 3-step action plan / recommendations
+  /*
+   * The per-holding VERDICT — a fund's Buy/Hold/Watch/Exit chip and a stock's signal.
+   *
+   * Separate from `actions` because they are withheld for the same reason but live in different
+   * places: `actions` is one panel, this is a chip on every fund row and every stock row across
+   * several tabs. A client who cannot see the action plan but can see "EXIT" against a fund has
+   * been given the recommendation anyway, just without the reasoning.
+   *
+   * Covers BOTH vocabularies — funds carry `action`, stocks carry `signal`.
+   */
+  "fundActions",
   "phc", // portfolio health-check detail body
   "chat", // AI chat
   "performance", // performance / gains
@@ -70,6 +81,7 @@ export const SECTION_KEYS = Object.freeze([
 /** Everything on. The answer whenever we cannot prove a narrower one is correct. */
 export const ALL_VISIBLE = Object.freeze({
   actions: true,
+  fundActions: true,
   phc: true,
   chat: true,
   performance: true,
@@ -81,17 +93,36 @@ export const ALL_VISIBLE = Object.freeze({
   tone: "adviser",
 });
 
-/** The reduced view. Partner and RM-E1 clients get exactly this; direct adds the CTA. */
+/**
+ * The reduced view — REVISED 21 Sep 2026.
+ *
+ * It used to withhold almost the whole report. It now withholds exactly the RECOMMENDATION and
+ * nothing else, because the reason for withholding was never "this client should see less": it is
+ * that an employee services them and that conversation belongs to the RM. Everything the client
+ * can read for themselves — the health detail, performance, fund analysis, the score breakdown,
+ * per-fund detail — tells them where they stand without telling them what to do.
+ *
+ * Two keys carry it, and both are needed: the action plan is one panel, but the per-holding
+ * verdict is a chip on every fund and stock row. Withholding the panel alone would hand over the
+ * recommendation anyway, minus the reasoning.
+ *
+ * `chat` stays locked for the same reason, and it is the subtle one: a client can simply ASK the
+ * chat whether to sell a fund. Leaving it open would route around both keys above.
+ *
+ * `tone: b2c` stays: the narrative still speaks to a client rather than an adviser, and it must
+ * keep describing rather than prescribing now that it is the main thing they read.
+ */
 const REDUCED = Object.freeze({
   actions: false,
-  phc: false,
+  fundActions: false,
   chat: false,
-  performance: false,
-  keyInsights: false,
-  fundAnalysis: false,
-  scoreBreakdownFunds: false,
+  phc: true,
+  performance: true,
+  keyInsights: true,
+  fundAnalysis: true,
+  scoreBreakdownFunds: true,
   advisorCta: false,
-  fundDetail: "minimal",
+  fundDetail: "full",
   tone: "b2c",
 });
 
@@ -103,17 +134,32 @@ const REDUCED = Object.freeze({
 export const AUDIENCE_DEFAULTS = Object.freeze({
   [AUDIENCE.FULL]: ALL_VISIBLE,
 
-  // "Don't show for Partner clients & RM clients where RM is E1. Actions will not come.
-  //  Portfolio Health Score component — don't show; only show Health Score, no recommendations.
-  //  Hide the AI chatbot. Remove Key / Fund Analysis. Hide Performance. Less fund details.
-  //  Score breakdown — remove underlying fund. Language B2C / neutral."
-  [AUDIENCE.PARTNER]: REDUCED,
+  /*
+   * REVISED 12 Sep 2026 (Peeyush). The first cut reduced all three audiences and differed only by
+   * a CTA. It now reduces ONE.
+   *
+   *   partner  full — unlocking a partner's client is out of scope, so gating them would leave a
+   *            reduced report with no way to ever open it.
+   *   direct   full — a direct client has no partner and no servicing RM, so there is nobody for
+   *            "ask your advisor" to point at.
+   *   rm_e1    reduced — an employee services this client, so the withheld sections have an owner
+   *            who can walk the client through them.
+   *
+   * Measured on prod the day this changed: 13,327 partner, 2,121 e1, 232 direct of 15,680. So the
+   * feature applies to ~13.5% of the book and 86.5% is untouched.
+   */
+  [AUDIENCE.PARTNER]: ALL_VISIBLE,
 
-  // Same treatment as a partner client — the review grouped them in one line.
-  [AUDIENCE.RM_E1]: REDUCED,
+  // "Don't show for RM clients where RM is E1. Actions will not come. Portfolio Health Score
+  //  component — don't show; only show Health Score, no recommendations. Hide the AI chatbot.
+  //  Remove Key / Fund Analysis. Hide Performance. Less fund details. Score breakdown — remove
+  //  underlying fund. Language B2C / neutral."
+  //
+  // The CTA rides HERE rather than on `direct`, inverting the first cut: this is the audience
+  // with an adviser to talk to, and the one whose sections are withheld.
+  [AUDIENCE.RM_E1]: Object.freeze({ ...REDUCED, advisorCta: true }),
 
-  // "Direct Clients — call advisor to get details to know the plan. Same storytelling."
-  [AUDIENCE.DIRECT]: Object.freeze({ ...REDUCED, advisorCta: true }),
+  [AUDIENCE.DIRECT]: ALL_VISIBLE,
 });
 
 const E1_TYPE_DISTRIBUTOR = "distributor";