feat(sc-coc): SC intrastate Certificate of Compliance flow (insurance gate -> $25 fee -> file)

Routes SC intrastate-authority orders to the real SCDMV COC product instead of a
PSC certificate (which doesn't apply to property carriers):

  - sc_coc_filing.py: emails the carrier a one-click yes/no — does your insurer
    have / can they file a Form E (SC intrastate liability, $750k or $300k by
    GVWR) with SCDMV? Records the answer; builds the filled COC package.
  - state_trucking._handle_sc_coc_gate: SC intrastate gate —
      no answer  -> email the question once, HOLD
      answered no -> broker referral opened, HOLD (ops todo)
      answered yes-> proceed to bill the exact $25 SCDMV COC fee (at cost) + file
  - API POST /compliance-orders/:id/sc-insurance: records yes/no in intake_data
    (no schema change); NO opens an insurance_lead broker-referral ticket +
    Telegram; YES re-dispatches the worker to bill the $25 + file.
  - site/order/sc-insurance: customer one-click yes/no page (auto-submits when
    the email links straight to ?have=yes|no).

Non-SC intrastate still uses the PSC/PUC email path or a manual todo.

api/src/routes/compliance-orders.ts

@@ -1726,7 +1726,6 @@ router.post("/api/v1/compliance-orders/:id/usac-delegation", async (req, res) =>
   const id = req.params.id;
 
   try {
-    // Support both batch ID (CB-) and order number (CO-)
     const whereCol = id.startsWith("CB-") ? "batch_id" : "order_number";
     const result = await pool.query(
       `UPDATE compliance_orders
@@ -1760,6 +1759,117 @@ router.post("/api/v1/compliance-orders/:id/usac-delegation", async (req, res) =>
   }
 });
 
+// ── POST /api/v1/compliance-orders/:id/sc-insurance ──────────────────────────
+// SC intrastate Certificate of Compliance (COC) flow. The carrier answers a
+// one-click yes/no from their email: does their insurer have / can they file a
+// Form E (SC intrastate liability) with SCDMV?
+//   have=yes -> record it; the worker proceeds to bill the $25 COC fee + file.
+//   have=no  -> record it + open a broker-referral ticket so we connect them
+//               with an insurer that writes SC intrastate liability.
+// Stored in intake_data.sc_coc_insurance so no schema change is needed.
+router.post("/api/v1/compliance-orders/:id/sc-insurance", async (req, res) => {
+  const id = req.params.id;
+  const have = String((req.query.have ?? req.body?.have ?? "")).toLowerCase();
+  if (have !== "yes" && have !== "no") {
+    res.status(400).json({ error: "have must be 'yes' or 'no'." });
+    return;
+  }
+  try {
+    const { rows } = await pool.query(
+      `UPDATE compliance_orders
+          SET intake_data = jsonb_set(
+                jsonb_set(COALESCE(intake_data, '{}'::jsonb),
+                          '{sc_coc_insurance}', to_jsonb($2::text)),
+                '{sc_coc_insurance_at}', to_jsonb(now()::text)),
+              updated_at = NOW()
+        WHERE order_number = $1
+        RETURNING order_number, service_slug, customer_email, customer_name,
+                  intake_data->>'entity_name' AS entity_name`,
+      [id, have],
+    );
+    if (rows.length === 0) {
+      res.status(404).json({ error: "Order not found." });
+      return;
+    }
+    const o = rows[0];
+    console.log(`[compliance-orders] SC COC insurance answer for ${id}: ${have}`);
+
+    // NO -> open a broker-referral support ticket so ops connects them.
+    if (have === "no") {
+      try {
+        await pool.query(
+          `INSERT INTO tickets (category, subject, message, email, name, page, ip_address)
+           VALUES ($1, $2, $3, $4, $5, $6, $7)`,
+          [
+            "insurance_lead",
+            `SC intrastate insurance referral — ${o.entity_name || o.customer_name || o.order_number}`,
+            `Carrier needs an insurer that writes SC intrastate liability and can file a Form E with SCDMV.\n\n`
+              + `Order: ${o.order_number}\nService: ${o.service_slug}\n`
+              + `Customer: ${o.customer_name || ""} <${o.customer_email || ""}>\n\n`
+              + `They answered NO to "does your insurer have/can file a Form E for SC intrastate?" `
+              + `Connect them with a broker for SC intrastate trucking liability, then resume the COC filing.`,
+            o.customer_email || null,
+            o.customer_name || null,
+            `sc-insurance:${o.order_number}`,
+            (req as any).clientIp || req.ip || "",
+          ],
+        );
+      } catch (tErr) {
+        console.error("[compliance-orders] SC insurance referral ticket failed:", tErr);
+      }
+      // Telegram alert (best-effort)
+      try {
+        const botToken = process.env.TELEGRAM_BOT_TOKEN;
+        const chatId = process.env.TELEGRAM_CHAT_ID;
+        if (botToken && chatId) {
+          fetch(`https://api.telegram.org/bot${botToken}/sendMessage`, {
+            method: "POST",
+            headers: { "Content-Type": "application/json" },
+            body: JSON.stringify({
+              chat_id: chatId,
+              text: `🛟 SC intrastate insurance referral needed\n${o.entity_name || o.customer_name || ""} (${o.order_number})\nCustomer has no Form E — connect them with a broker.`,
+            }),
+          }).catch(() => {});
+        }
+      } catch {}
+    }
+
+    res.json({
+      success: true,
+      have,
+      message:
+        have === "yes"
+          ? "Thank you! We'll complete your SCDMV Certificate of Compliance and confirm your Form E is on file. You'll get a payment link for the $25 state fee shortly."
+          : "No problem — we'll connect you with an insurance broker who can write SC intrastate liability and file your Form E. We'll be in touch within one business day.",
+    });
+
+    // YES -> re-dispatch the worker so it proceeds to bill the $25 COC fee + file.
+    if (have === "yes") {
+      const workerUrl = process.env.WORKER_URL || "http://workers:8090";
+      setImmediate(async () => {
+        try {
+          await fetch(`${workerUrl}/jobs`, {
+            method: "POST",
+            headers: { "Content-Type": "application/json" },
+            body: JSON.stringify({
+              action: "process_compliance_service",
+              order_name: o.order_number,
+              order_number: o.order_number,
+              service_slug: o.service_slug,
+            }),
+          });
+          console.log(`[compliance-orders] Worker re-dispatched after SC insurance YES: ${o.order_number}`);
+        } catch (err) {
+          console.warn(`[compliance-orders] Worker dispatch failed for ${o.order_number}:`, err);
+        }
+      });
+    }
+  } catch (err) {
+    console.error("[compliance-orders] SC insurance answer error:", err);
+    res.status(500).json({ error: "Could not record your answer. Please try again." });
+  }
+});
+
 // ── POST /api/v1/admin/compliance-orders/:id/approve-submit ──────────────────
 // Admin verification gate: an order that has been prepared + (if needed) signed
 // is held at fulfillment_status='ready_to_file'. The admin reviews the prepared

scripts/workers/services/sc_coc_filing.py

@@ -0,0 +1,164 @@
+"""South Carolina intrastate Certificate of Compliance (COC) flow.
+
+For-hire PROPERTY carriers based in / operating intrastate in SC register via the
+SCDMV Certificate of Compliance (COC) — NOT a PSC certificate (which only covers
+passenger, household-goods, and hazardous-waste-for-disposal carriers).
+
+Compliance steps we automate for an SC intrastate property carrier:
+  1. Confirm the carrier's liability insurance is (or will be) filed with SCDMV
+     on a Form E by their INSURANCE COMPANY (SCDMV does not accept an ACORD cert).
+     We email a simple yes/no question with a one-click response page.
+       - YES -> proceed to bill the $25 COC fee + file the COC application.
+       - NO  -> open a broker-referral ticket so we connect them with an insurer
+         that writes SC intrastate liability and can file the Form E.
+  2. Bill the exact $25 SCDMV COC new-application fee at cost (gov-fee child),
+     reusing the standard payment-link flow.
+  3. Fill + submit the SCDMV Form COC (mail w/ $25 check to Blythewood, or fax),
+     and confirm the Form E is on record.
+
+Coverage class (drives whether cargo insurance / Form H is needed, and is the
+basis for the state fee determination):
+  - E-L  : low-value commodities (scrap metal, dump-truck aggregates) — Form E
+           liability only, no cargo insurance.
+  - E-LC : property properly insured for any cargo — Form E + Form H.
+
+Insurance minimums (intrastate, non-hazmat liability):
+  - GVWR >= 10,000 lbs: $750,000
+  - GVWR <  10,000 lbs: $300,000
+"""
+
+from __future__ import annotations
+
+import json
+import logging
+import os
+import smtplib
+from email.mime.text import MIMEText
+
+LOG = logging.getLogger("workers.services.sc_coc_filing")
+
+SITE = os.getenv("PUBLIC_SITE_URL", "https://performancewest.net").rstrip("/")
+SMTP_HOST = os.getenv("SMTP_HOST", "co.carrierone.com")
+SMTP_PORT = int(os.getenv("SMTP_PORT", "587"))
+SMTP_USER = os.getenv("SMTP_USER", "")
+SMTP_PASS = os.getenv("SMTP_PASS", "")
+SMTP_FROM = os.getenv("SMTP_FROM", "Performance West <noreply@performancewest.net>")
+FROM_ADDR = "noreply@performancewest.net"
+
+# SCDMV COC submission coordinates (from SCDMV Form COC, rev 11/2025).
+SCDMV_COC = {
+    "mail": "SCDMV, P.O. Box 1498, Blythewood, SC 29016-0027",
+    "fax": "(803) 896-2698",
+    "phone": "(803) 896-3870",
+    "new_fee_usd": 25,
+}
+
+
+def liability_minimum_usd(intake: dict) -> int:
+    """SC intrastate non-hazmat liability minimum by GVWR bracket."""
+    bracket = (intake.get("gross_weight_bracket") or "").lower()
+    # Treat unknown / 26k / 80k brackets as the >=10k bucket (the common case).
+    if bracket in ("under_10k", "lt_10k"):
+        return 300_000
+    return 750_000
+
+
+def insurance_response_url(order_number: str, answer: str) -> str:
+    """One-click yes/no link the customer clicks from the email."""
+    return f"{SITE}/order/sc-insurance?order={order_number}&have={answer}"
+
+
+def send_insurance_question_email(order_number: str, customer_email: str,
+                                  customer_name: str, entity_name: str,
+                                  intake: dict) -> bool:
+    """Email the carrier a simple yes/no: do they have SC intrastate liability
+    insurance their insurer can file on a Form E with SCDMV?"""
+    if not customer_email:
+        return False
+    minimum = liability_minimum_usd(intake)
+    yes_url = insurance_response_url(order_number, "yes")
+    no_url = insurance_response_url(order_number, "no")
+    body = (
+        f"Hi {customer_name or 'there'},\n\n"
+        f"We're getting your South Carolina intrastate authority set up for "
+        f"{entity_name}. In SC, a for-hire carrier like yours registers with the "
+        f"SCDMV (Certificate of Compliance) — and the one thing the state requires "
+        f"from your insurance company is a liability filing called a \"Form E.\"\n\n"
+        f"Quick question so we know how to proceed:\n\n"
+        f"Does your current insurance company have (or can they file) a Form E "
+        f"showing at least ${minimum:,} in liability coverage for South Carolina "
+        f"intrastate operation?\n\n"
+        f"(Note: this must be a Form E filed by your insurance COMPANY directly "
+        f"with SCDMV — a regular ACORD certificate of insurance is not accepted.)\n\n"
+        f"✅ YES — my insurer can file the Form E:\n{yes_url}\n\n"
+        f"❌ NO / NOT SURE — I need help getting the right insurance:\n{no_url}\n\n"
+        f"If you click NO, no problem — we'll connect you with a broker who writes "
+        f"SC intrastate trucking liability and can file the Form E for you.\n\n"
+        f"Once your Form E is on file, we complete your SCDMV Certificate of "
+        f"Compliance and you're cleared to operate.\n\n"
+        f"Order: {order_number}\n"
+        f"Questions? Just reply here or call (888) 411-0383.\n\n"
+        f"Performance West Inc.\nDOT / State Motor Carrier Compliance\n"
+    )
+    try:
+        msg = MIMEText(body)
+        msg["Subject"] = f"Quick question about your SC insurance — {entity_name}"
+        msg["From"] = SMTP_FROM
+        msg["To"] = customer_email
+        with smtplib.SMTP(SMTP_HOST, SMTP_PORT, timeout=30) as s:
+            s.starttls()
+            if SMTP_USER and SMTP_PASS:
+                s.login(SMTP_USER, SMTP_PASS)
+            s.sendmail(FROM_ADDR, [customer_email], msg.as_string())
+        LOG.info("[%s] SC insurance question emailed to %s", order_number, customer_email)
+        return True
+    except Exception as exc:  # noqa: BLE001
+        LOG.error("[%s] Failed to send SC insurance question: %s", order_number, exc)
+        return False
+
+
+def record_insurance_answer(order_number: str, have_insurance: bool) -> bool:
+    """Persist the carrier's yes/no into intake_data.sc_coc_insurance. Returns
+    True on success. Idempotent."""
+    try:
+        import psycopg2
+        conn = psycopg2.connect(os.environ.get("DATABASE_URL", ""))
+        with conn.cursor() as cur:
+            cur.execute(
+                "SELECT intake_data FROM compliance_orders WHERE order_number = %s",
+                (order_number,),
+            )
+            row = cur.fetchone()
+            if not row:
+                conn.close()
+                return False
+            intake = row[0] or {}
+            if isinstance(intake, str):
+                intake = json.loads(intake)
+            intake["sc_coc_insurance"] = "yes" if have_insurance else "no"
+            from datetime import datetime, timezone
+            intake["sc_coc_insurance_at"] = datetime.now(timezone.utc).isoformat()
+            cur.execute(
+                "UPDATE compliance_orders SET intake_data = %s, updated_at = now() "
+                "WHERE order_number = %s",
+                (json.dumps(intake), order_number),
+            )
+            conn.commit()
+            conn.close()
+        LOG.info("[%s] Recorded SC COC insurance answer: %s", order_number,
+                 "yes" if have_insurance else "no")
+        return True
+    except Exception as exc:  # noqa: BLE001
+        LOG.error("[%s] Failed to record insurance answer: %s", order_number, exc)
+        return False
+
+
+def build_coc_package(order_number: str, intake: dict,
+                      coverage_class: str | None = None) -> str | None:
+    """Fill the SCDMV Form COC for this order. Returns the filled PDF path."""
+    try:
+        from scripts.document_gen.templates.sc_coc_pdf_filler import fill_sc_coc
+        return fill_sc_coc(intake, order_number=order_number, coverage_class=coverage_class)
+    except Exception as exc:  # noqa: BLE001
+        LOG.error("[%s] Failed to build COC package: %s", order_number, exc)
+        return None

scripts/workers/services/state_trucking.py

@@ -713,6 +713,94 @@ class StateTruckingHandler:
             LOG.warning("[%s] Could not check gov-fee settlement: %s", order_number, exc)
             return False
 
+    def _handle_sc_coc_gate(self, order_number, entity_name, customer_email,
+                            customer_phone, intake) -> bool:
+        """SC intrastate Certificate of Compliance insurance gate.
+
+        SC for-hire property carriers register via the SCDMV COC, which requires
+        their INSURER to file a Form E (liability). We ask the carrier a one-click
+        yes/no first:
+          - no answer yet -> email the question, HOLD (return True)
+          - answered 'no'  -> broker referral is in progress, HOLD (return True)
+          - answered 'yes' -> insurance confirmed, PROCEED to bill the $25 COC
+            fee (return False so the caller falls through to fee billing)
+        """
+        answer = str(intake.get("sc_coc_insurance", "")).lower()
+
+        if answer == "yes":
+            LOG.info("[%s] SC COC: insurance confirmed — proceeding to $25 COC fee", order_number)
+            return False  # proceed to bill the COC fee
+
+        if answer == "no":
+            # Broker referral opened (by the response endpoint). Hold until ops
+            # gets them covered, then they re-answer yes.
+            LOG.info("[%s] SC COC: carrier needs insurance — broker referral, holding", order_number)
+            try:
+                notify_fulfillment_todo(
+                    title=f"SC COC — carrier needs insurance broker — {entity_name}",
+                    order_number=order_number,
+                    service_slug="intrastate-authority",
+                    priority="normal",
+                    description=(f"{entity_name} answered NO to the SC intrastate Form E "
+                                 f"insurance question. A broker-referral ticket was opened.\n"
+                                 f"Connect them with an SC intrastate liability insurer who can "
+                                 f"file a Form E with SCDMV, then they re-confirm and we file the "
+                                 f"$25 Certificate of Compliance.\nCustomer: {customer_email}"),
+                )
+            except Exception:
+                pass
+            return True  # hold
+
+        # No answer yet: send the yes/no insurance question (once).
+        try:
+            from scripts.workers.services.sc_coc_filing import send_insurance_question_email
+        except Exception as exc:  # noqa: BLE001
+            LOG.error("[%s] sc_coc_filing import failed: %s", order_number, exc)
+            return True  # hold safely rather than mis-bill
+        already = str(intake.get("sc_coc_insurance_asked", "")).lower() in ("1", "true", "yes")
+        if not already:
+            send_insurance_question_email(order_number, customer_email,
+                                          intake.get("customer_name", ""), entity_name, intake)
+            self._mark_intake_flag(order_number, "sc_coc_insurance_asked", "true")
+            try:
+                notify_fulfillment_todo(
+                    title=f"SC COC — insurance question sent — {entity_name}",
+                    order_number=order_number,
+                    service_slug="intrastate-authority",
+                    priority="low",
+                    description=(f"Asked {entity_name} whether their insurer can file a Form E "
+                                 f"for SC intrastate. When they confirm YES we bill the $25 SCDMV "
+                                 f"Certificate of Compliance fee and file; if NO we open a broker "
+                                 f"referral.\nCustomer: {customer_email}"),
+                )
+            except Exception:
+                pass
+        return True  # hold pending their answer
+
+    def _mark_intake_flag(self, order_number: str, key: str, value: str) -> None:
+        """Best-effort set intake_data[key]=value on the order (no schema change)."""
+        try:
+            import json as _json
+            import psycopg2
+            conn = psycopg2.connect(os.environ.get("DATABASE_URL", ""))
+            with conn.cursor() as cur:
+                cur.execute("SELECT intake_data FROM compliance_orders WHERE order_number = %s",
+                            (order_number,))
+                row = cur.fetchone()
+                if not row:
+                    conn.close()
+                    return
+                data = row[0] or {}
+                if isinstance(data, str):
+                    data = _json.loads(data)
+                data[key] = value
+                cur.execute("UPDATE compliance_orders SET intake_data = %s, updated_at = now() "
+                            "WHERE order_number = %s", (_json.dumps(data), order_number))
+                conn.commit()
+            conn.close()
+        except Exception as exc:  # noqa: BLE001
+            LOG.warning("[%s] Could not set intake flag %s: %s", order_number, key, exc)
+
     def _request_gov_fee_payment(self, order_number, service_slug, service_name,
                                  entity_name, customer_email, customer_phone, intake,
                                  signed_auth_key=None) -> bool:
@@ -751,39 +839,53 @@ class StateTruckingHandler:
                     pass
             return sent
 
-        # ── Intrastate authority: email the PSC/PUC, wait for the fee invoice ──
+        # ── Intrastate authority ──────────────────────────────────────────────
-        # (Falls through to manual todo when the state has no email submission
+        # Per-state: figure out what the carrier actually needs and route to it.
-        # path — handled by returning False below.)
+        # SC for-hire PROPERTY carriers register via the SCDMV Certificate of
+        # Compliance (COC) — gated on a Form E liability filing by their insurer.
+        # We email a yes/no insurance question first; once they confirm (or we've
+        # referred them to a broker) we bill the exact $25 COC fee + file. Other
+        # states fall through to the PSC/PUC email path or a manual todo.
         if service_slug == "intrastate-authority":
-            try:
-                from scripts.workers.services.intrastate_filing import (
-                    send_intrastate_submission, state_isa_contact,
-                )
-            except Exception as exc:  # noqa: BLE001
-                LOG.error("[%s] intrastate_filing import failed: %s", order_number, exc)
-                return False
             base_state = (intake.get("base_state") or intake.get("address_state") or "").upper()
-            if not state_isa_contact(base_state):
+
-                LOG.info("[%s] No intrastate email contact for %s — manual todo", order_number, base_state)
+            if base_state == "SC":
-                return False
+                if self._handle_sc_coc_gate(order_number, entity_name, customer_email,
-            sent = send_intrastate_submission(order_number, entity_name,
+                                            customer_phone, intake):
-                                              intake.get("dot_number", ""), base_state, intake,
+                    return True   # hold pending insurance answer / broker referral
-                                              signed_auth_key=signed_auth_key)
+                # else: insurance confirmed -> fall through to bill the $25 COC fee
-            if sent:
+
+            else:
+                # Non-SC: email the state PSC/PUC if we have a submission contact;
+                # otherwise fall back to a manual todo.
                 try:
-                    notify_fulfillment_todo(
+                    from scripts.workers.services.intrastate_filing import (
-                        title=f"Intrastate authority submitted to {base_state} PSC — awaiting fee — {entity_name}",
+                        send_intrastate_submission, state_isa_contact,
-                        order_number=order_number,
-                        service_slug=service_slug,
-                        priority="normal",
-                        description=(f"Intrastate authority application emailed to the {base_state} "
-                                     f"PSC/PUC with the signed POA.\nWaiting on their requirements + "
-                                     f"fee invoice; when it arrives we auto-bill the customer the exact "
-                                     f"amount and you'll get a Telegram alert.\nCustomer: {customer_email}"),
                     )
-                except Exception:
+                except Exception as exc:  # noqa: BLE001
-                    pass
+                    LOG.error("[%s] intrastate_filing import failed: %s", order_number, exc)
-            return sent
+                    return False
+                if not state_isa_contact(base_state):
+                    LOG.info("[%s] No intrastate email contact for %s — manual todo", order_number, base_state)
+                    return False
+                sent = send_intrastate_submission(order_number, entity_name,
+                                                  intake.get("dot_number", ""), base_state, intake,
+                                                  signed_auth_key=signed_auth_key)
+                if sent:
+                    try:
+                        notify_fulfillment_todo(
+                            title=f"Intrastate authority submitted to {base_state} PSC — awaiting fee — {entity_name}",
+                            order_number=order_number,
+                            service_slug=service_slug,
+                            priority="normal",
+                            description=(f"Intrastate authority application emailed to the {base_state} "
+                                         f"PSC/PUC with the signed POA.\nWaiting on their requirements + "
+                                         f"fee invoice; when it arrives we auto-bill the customer the exact "
+                                         f"amount and you'll get a Telegram alert.\nCustomer: {customer_email}"),
+                        )
+                    except Exception:
+                        pass
+                return sent
         # ── IFTA / intrastate: published fee, bill the estimate now ───────────
         try:
             from scripts.workers.services.gov_fee import (

site/public/order/sc-insurance/index.html

@@ -0,0 +1,120 @@
+<!DOCTYPE html>
+<html lang="en">
+<head>
+  <meta charset="UTF-8" />
+  <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+  <meta name="robots" content="noindex, nofollow" />
+  <title>South Carolina insurance | Performance West</title>
+  <script>
+    window.__PW_API = (function () {
+      var h = window.location.hostname;
+      if (h === "localhost" || h === "127.0.0.1") return "http://" + h + ":3001";
+      if (h === "dev.performancewest.net") return "https://api.dev.performancewest.net";
+      return "https://api.performancewest.net";
+    })();
+  </script>
+  <link rel="preconnect" href="https://fonts.googleapis.com" />
+  <link href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap" rel="stylesheet" />
+  <style>
+    :root { --pw600:#3a6192; --pw700:#2d4e78; --pw800:#213b5c; --pw900:#182c45;
+      --g100:#f3f4f6; --g200:#e5e7eb; --g300:#d1d5db; --g500:#6b7280; --g700:#374151; --g900:#111827; }
+    * { box-sizing: border-box; }
+    body { margin:0; font-family:'Inter',system-ui,sans-serif; background:#f7f8fa; color:var(--g700); }
+    .wrap { max-width:560px; margin:0 auto; padding:32px 16px; }
+    .card { background:#fff; border:1px solid var(--g200); border-radius:14px; overflow:hidden; box-shadow:0 1px 3px rgba(0,0,0,.06); }
+    .head { background:var(--pw900); color:#fff; padding:20px 24px; }
+    .head h1 { margin:6px 0 0; font-size:18px; font-weight:700; }
+    .head p { margin:4px 0 0; font-size:13px; color:#b8cde5; }
+    .logo { font-weight:700; color:#fff; font-size:15px; }
+    .body { padding:24px; }
+    .muted { color:var(--g500); font-size:13px; line-height:1.5; }
+    .q { font-size:15px; font-weight:600; color:var(--g900); margin:14px 0; line-height:1.45; }
+    .btn { display:block; width:100%; margin-top:12px; padding:14px; border:none; border-radius:10px; font-size:15px; font-weight:600; cursor:pointer; text-align:center; }
+    .btn-yes { background:#166534; color:#fff; } .btn-yes:hover { background:#14532d; }
+    .btn-no { background:#fff; color:var(--g700); border:1px solid var(--g300); } .btn-no:hover { background:var(--g100); }
+    .btn:disabled { opacity:.55; cursor:not-allowed; }
+    .note { margin-top:16px; font-size:12px; color:var(--g500); background:var(--g100); border-radius:8px; padding:10px 12px; }
+    .err { margin-top:12px; font-size:13px; color:#b91c1c; background:#fef2f2; border:1px solid #fecaca; border-radius:8px; padding:10px 12px; }
+    .ok { margin-top:12px; font-size:14px; color:#166534; background:#dcfce7; border:1px solid #bbf7d0; border-radius:8px; padding:14px; }
+  </style>
+</head>
+<body>
+  <div class="wrap">
+    <div class="card">
+      <div class="head">
+        <div class="logo">Performance West</div>
+        <h1>South Carolina intrastate insurance</h1>
+        <p id="subtitle">Loading…</p>
+      </div>
+      <div class="body">
+        <div id="content">
+          <p class="muted">In South Carolina, a for-hire carrier registers with the SCDMV
+            (Certificate of Compliance). The one thing the state needs from your insurance
+            company is a liability filing called a <strong>Form E</strong>.</p>
+          <p class="q">Does your insurance company have (or can they file) a Form E showing
+            at least <span id="minimum">$750,000</span> in liability coverage for South
+            Carolina intrastate operation?</p>
+          <button id="yes" class="btn btn-yes">✅ Yes — my insurer can file the Form E</button>
+          <button id="no" class="btn btn-no">❌ No / not sure — I need the right insurance</button>
+          <div class="note">A Form E must be filed by your insurance <strong>company</strong>
+            directly with SCDMV. A regular ACORD certificate of insurance is not accepted.
+            If you choose "No," we'll connect you with a broker who can write SC intrastate
+            liability and file the Form E for you.</div>
+          <div id="err" class="err" style="display:none;"></div>
+        </div>
+        <div id="done" class="ok" style="display:none;"></div>
+        <div id="notfound" class="muted" style="display:none;">This link is invalid or the order was already handled.</div>
+      </div>
+    </div>
+  </div>
+
+  <script>
+    const API = window.__PW_API;
+    const $ = (id) => document.getElementById(id);
+    const params = new URLSearchParams(location.search);
+    const orderId = params.get("order") || "";
+    const preset = (params.get("have") || "").toLowerCase();
+
+    async function load() {
+      if (!orderId) { $("content").style.display = "none"; $("notfound").style.display = "block"; return; }
+      try {
+        const r = await fetch(API + "/api/v1/compliance-orders/" + encodeURIComponent(orderId));
+        if (!r.ok) throw new Error("nf");
+        const order = await r.json();
+        const intake = (order.intake_data && typeof order.intake_data === "object") ? order.intake_data : {};
+        const name = intake.entity_name || order.customer_name || "";
+        $("subtitle").textContent = `${name} · ${order.order_number}`;
+        const bracket = (intake.gross_weight_bracket || "").toLowerCase();
+        $("minimum").textContent = (bracket === "under_10k" || bracket === "lt_10k") ? "$300,000" : "$750,000";
+      } catch (e) {
+        // Still allow answering even if lookup fails.
+        $("subtitle").textContent = orderId;
+      }
+      // If the email linked directly to a yes/no, auto-submit it.
+      if (preset === "yes" || preset === "no") submit(preset);
+    }
+
+    async function submit(answer) {
+      $("err").style.display = "none";
+      $("yes").disabled = true; $("no").disabled = true;
+      try {
+        const r = await fetch(API + "/api/v1/compliance-orders/" + encodeURIComponent(orderId) + "/sc-insurance?have=" + answer, {
+          method: "POST", headers: { "Content-Type": "application/json" }, body: "{}",
+        });
+        const d = await r.json();
+        if (!r.ok) throw new Error(d.error || "Could not record your answer");
+        $("content").style.display = "none";
+        $("done").style.display = "block";
+        $("done").textContent = d.message || "Thank you — we've recorded your answer.";
+      } catch (e) {
+        $("err").textContent = e.message; $("err").style.display = "block";
+        $("yes").disabled = false; $("no").disabled = false;
+      }
+    }
+
+    $("yes").addEventListener("click", () => submit("yes"));
+    $("no").addEventListener("click", () => submit("no"));
+    load();
+  </script>
+</body>
+</html>