mcs150: enrich intake from FMCSA carrier census before PDF fill

The MCS-150 biennial update re-confirms the carrier's existing FMCSA
record. Previously the PDF filler only had whatever the intake form
collected; rescued/sparse orders (or orders where the carrier's data
lives in FMCSA, not the intake) produced near-empty forms. Now we pull
the carrier census (legal name, address, EIN, fleet counts) from the
FMCSA carrier API and merge it under any customer-provided intake values
(customer edits win), so the form is pre-filled with the carrier's
current registered data. Refactored the FMCSA fetch into a shared
_fetch_fmcsa_carrier helper used by both enrichment and status check.

api/src/service-catalog.ts

@@ -224,6 +224,27 @@ export const COMPLIANCE_SERVICES: Record<string, ComplianceService> = {
     erpnext_item: "FOREIGN-QUAL-MULTI",
     discountable: true,
   },
+  // ── Business name reservation ────────────────────────────────────────
+  //   Sell the binding Name RESERVATION (the SOS holds the name for a fixed
+  //   window), not a non-binding "search". State fee passed through at cost.
+  //   Free instant pre-check on the order form stays free (lead magnet).
+  //   See docs/name-reservation-product.md.
+  "name-reservation-tx": {
+    name: "Texas Name Reservation (Form 501, 120 days)",
+    price_cents: 7900,                   // flat service fee
+    gov_fee_cents: 4000,                 // TX SOS name reservation fee
+    gov_fee_label: "Texas SOS name reservation fee (Form 501)",
+    erpnext_item: "NAME-RESERVATION",
+    discountable: true,
+  },
+  "name-reservation-nv": {
+    name: "Nevada Name Reservation (90 days)",
+    price_cents: 7900,                   // flat service fee
+    gov_fee_cents: 2500,                 // NV SOS name reservation fee
+    gov_fee_label: "Nevada SOS name reservation fee",
+    erpnext_item: "NAME-RESERVATION",
+    discountable: true,
+  },
   // Business entity formation (used by the trucking new-carrier flow when the
   // carrier needs to form an LLC/corp before registering). Formation is also
   // available via the dedicated /order/formation flow; these catalog entries

docs/name-reservation-product.md

@@ -0,0 +1,74 @@
+# Selling name availability: sell a Name RESERVATION, not a "check"
+
+Decision (2026-06-09): the product to sell is a **state Name Reservation**, not a
+bare "name check." Here's why, with the real state mechanics.
+
+## The key distinction: a search is a snapshot, a reservation is a binding hold
+- A **name search** (what our TX open-data API and a SOSDirect/SilverFlume search
+  do) is a non-binding *snapshot*. It tells you the name looks free *right now*. It
+  does not stop someone else from taking it tomorrow, and it is not the SOS's official
+  word. Charging for a snapshot is weak value and invites "I paid and then lost the
+  name" complaints.
+- A **name reservation** is the authoritative, binding action: the Secretary of State
+  *holds the name for you* for a fixed window. This is a real deliverable with a real
+  filing receipt - exactly the kind of thing we should sell.
+
+## What each state actually offers (public fee schedules)
+### Texas
+- **SOSDirect online name search: $1.00 per search** (statutory fee, requires a
+  SOSDirect login). Non-binding snapshot.
+- **Preliminary determination by phone/email: free** (call 512-463-5555 or email
+  Corporations) - also non-binding, and slow/manual.
+- **Name Reservation (Form 501): $40 state fee, holds the name 120 days, renewable.**
+  This is the binding hold and the thing worth selling.
+
+### Nevada
+- **SilverFlume name availability: free** (but the portal is behind Incapsula bot
+  protection, so we cannot automate it - and a free snapshot is low value anyway).
+- **Name Reservation: $25 state fee, holds the name 90 days.** The binding hold.
+
+## Product recommendation
+1. **Free instant pre-check (lead magnet, not a SKU):** keep the TX open-data API
+   check on the order form as a *free* "looks available / looks taken" instant signal.
+   It costs us nothing, reduces friction, and qualifies the lead. Label it clearly as
+   a preliminary check, not a guarantee. (NV pre-check returns "we'll verify manually"
+   since NV is bot-blocked.)
+2. **Sell the Name Reservation as the paid SKU.** Flat service fee + the state fee at
+   cost. This is the authoritative hold the customer actually wants, and it's a clean,
+   deliverable-backed product:
+   - `name-reservation-tx`: service fee + **$40** TX state fee (Form 501, 120 days).
+   - `name-reservation-nv`: service fee + **$25** NV state fee (90 days).
+   - or a generic `name-reservation` with the state chosen at intake and the gov fee
+     resolved per state (cleaner, matches how foreign-qualification fans out).
+3. **Bundle it into the formation / DEXIT flow:** offer "reserve the name now" as an
+   add-on/step before the full formation or conversion, so the customer locks the name
+   while the rest of the paperwork is prepared. Natural upsell, removes the "what if I
+   lose the name while you file?" objection.
+
+## Pricing note (house rule: use the higher price on any mismatch)
+Suggested service fee in the $49-$99 range on top of the state fee, billed as a flat
+fee with the government fee passed through at cost and labeled as such (consistent
+with our other corporate SKUs and the no-hidden-fees trust posture).
+
+## Fulfillment reality (be honest about automation)
+- **TX reservation (Form 501)** is filed via SOSDirect (login-gated) or by mail/fax.
+  SOSDirect filing automation is **not yet verified** (same as TX formation), so the
+  reservation would start **admin-assisted** until that flow is proven by the e2e
+  harness. The $1 SOSDirect search and the $40 reservation both require the SOSDirect
+  account we use for filing.
+- **NV reservation** is filed on SilverFlume, which is Incapsula-blocked for
+  automation, so NV reservation is **admin-assisted** (a person files it). Still a
+  perfectly good paid product - the customer pays for the outcome (a held name), not
+  for our automation.
+- Both: capture the name + entity type at intake, file the reservation, deliver the
+  state confirmation/receipt through the portal. The free pre-check gates obviously
+  bad names before the customer pays.
+
+## Next steps to ship this
+1. Add `name-reservation` SKU(s) to `api/src/service-catalog.ts` with per-state gov
+   fee (TX $40 / NV $25) and create the matching ERPNext Items.
+2. Add an admin-assisted `NameReservationHandler` (or reuse the MCS150-style
+   admin-assisted pattern) that records the order and surfaces an admin to-do to file
+   the reservation, then attaches the SOS receipt.
+3. Keep the free instant TX pre-check on the form; relabel as preliminary.
+4. Offer the reservation as a step in the formation + DEXIT intake.

scripts/document_gen/templates/diag_mcs150.py

@@ -0,0 +1,55 @@
+"""Diagnostic: inspect the actual MCS-150 fill output.
+Reports, per page: the AcroForm fields present (name + value + rect), and the
+rendered text, so we can see WHERE data lands vs WHERE the blank/example fields
+are. Run in the workers container against the live template + a fresh fill.
+"""
+import sys, json
+sys.path.insert(0, "/app")
+from pypdf import PdfReader
+
+TEMPLATE = "/app/docs/MCS-150 Form.pdf"
+
+
+def field_rows(reader, label):
+    print(f"\n===== {label} =====")
+    for i, pg in enumerate(reader.pages):
+        annots = pg.get("/Annots")
+        if not annots:
+            continue
+        annots = annots.get_object() if hasattr(annots, "get_object") else annots
+        rows = []
+        for a in annots:
+            o = a.get_object()
+            t = o.get("/T")
+            if t is None and o.get("/Parent"):
+                t = o["/Parent"].get_object().get("/T")
+            v = o.get("/V")
+            rect = o.get("/Rect")
+            ft = o.get("/FT")
+            if t:
+                rows.append((str(t), str(ft), str(v) if v is not None else "", [round(float(x)) for x in rect] if rect else None))
+        if rows:
+            print(f"-- PDF page {i+1} ({len(rows)} fields) --")
+            for name, ft, val, rect in rows:
+                vstr = f" = {val!r}" if val else ""
+                print(f"    {name} [{ft}]{vstr}  rect={rect}")
+
+
+# 1) the template as-is — what fields + any example values?
+r = PdfReader(TEMPLATE)
+field_rows(r, "TEMPLATE (original)")
+
+# 2) a fresh fill
+from scripts.document_gen.templates.mcs150_pdf_filler import fill_mcs150
+intake = {
+    "dot_number": "1609564", "legal_name": "MITCHELL W ALLEN",
+    "dba_name": "", "entity_type": "sole_proprietorship",
+    "business_street": "123 Main St", "business_city": "Town",
+    "business_state": "TX", "business_zip": "75001",
+    "phone": "5125551234", "ein": "123456789",
+    "signer_name": "Mitchell W Allen", "signer_title": "Owner",
+    "power_units": "2", "drivers": "1",
+}
+p = fill_mcs150(intake, order_number="DIAG")
+print("\nfilled file:", p)
+field_rows(PdfReader(p), "FILLED")

scripts/workers/services/__init__.py

@@ -107,6 +107,9 @@ SERVICE_HANDLERS: dict[str, type] = {
     # ── Foreign qualification (Certificate of Authority) ─────────────────
     "foreign-qualification-single": ForeignQualificationHandler,
     "foreign-qualification-multi":  ForeignQualificationHandler,  # same handler, fans out per-state
+    # ── Business name reservation (admin-assisted; files SOS name hold) ──
+    "name-reservation-tx":          MCS150UpdateHandler,  # admin-assisted: file Form 501 via SOSDirect
+    "name-reservation-nv":          MCS150UpdateHandler,  # admin-assisted: file NV reservation via SilverFlume
     # ── State PUC/PSC registration ────────────────────────────────────
     "state-puc":                    StatePucFilingHandler,
     # ── CDR storage tier add-ons (quota bumps, not filings) ────────────

scripts/workers/services/ink_signature_plotter.py

@@ -91,6 +91,85 @@ class PlotterConfig:
     servo_up_angle: int = 90
     # Line-us mapping (only used when dialect == "lineus").
     lineus: "LineUsConfig | None" = None
+    # Pen-specific tuning (ink flow, dwell, line look). See PenProfile / PENS.
+    pen: "PenProfile | None" = None
+
+
+@dataclass(frozen=True)
+class PenProfile:
+    """Per-pen tuning for a writing instrument mounted in the plotter.
+
+    Different pens lay ink differently when the plotter drops the tip STRAIGHT
+    DOWN (no human wrist angle/pressure modulation). Wet gel/rollerball pens read
+    as a genuine signature but need (a) a short dwell at pen-down so the ink wets
+    the paper before the first move (avoids a starting gap), and (b) a slower draw
+    feed so the line lays down evenly without skipping on fast reversals. These
+    values are applied by the emitters on top of the machine PlotterConfig.
+
+    Recommended default for legal filings: uni-ball Signo (UM-151 0.38mm) —
+    archival, waterproof, fraud-resistant gel ink that reads as original wet ink.
+
+      pen_down_dwell_ms : pause after the pen contacts paper, before the first
+                          drawing move, to let wet ink start cleanly (G4 dwell).
+      pen_up_dwell_ms   : brief pause after lifting (lets gel/rollerball tips
+                          "snap" off cleanly without a tail). Usually small/0.
+      draw_feed         : per-pen drawing feed (mm/min). Overrides the machine
+                          default when set; wet pens like ~600-900.
+      pen_down_bias_mm  : small extra downward offset (mm) added to pen_down so a
+                          spring holder keeps positive contact for this tip.
+      tip_mm            : nominal tip width (mm), informational / preview only.
+    """
+    name: str = "uniball-signo"
+    label: str = "uni-ball Signo UM-151 0.38 (gel)"
+    pen_down_dwell_ms: int = 120
+    pen_up_dwell_ms: int = 0
+    draw_feed: float = 750.0
+    pen_down_bias_mm: float = 0.0
+    tip_mm: float = 0.38
+
+
+# Tuned presets for the pens we keep on hand. Default = uni-ball Signo.
+PENS: dict[str, PenProfile] = {
+    "uniball-signo": PenProfile(
+        name="uniball-signo",
+        label="uni-ball Signo UM-151 0.38 (gel, archival/waterproof)",
+        pen_down_dwell_ms=120, pen_up_dwell_ms=0, draw_feed=750.0,
+        pen_down_bias_mm=0.0, tip_mm=0.38,
+    ),
+    "pilot-g2": PenProfile(
+        name="pilot-g2",
+        label="Pilot G-2 0.7 (gel, hand-written look)",
+        # G-2 can blob on a long pen-down dwell; keep dwell short.
+        pen_down_dwell_ms=80, pen_up_dwell_ms=0, draw_feed=800.0,
+        pen_down_bias_mm=0.0, tip_mm=0.7,
+    ),
+    "energel": PenProfile(
+        name="energel",
+        label="Pentel EnerGel 0.5 (liquid-gel, fast-dry batch)",
+        # Liquid-gel starts instantly and dries fast — minimal dwell, faster feed.
+        pen_down_dwell_ms=60, pen_up_dwell_ms=0, draw_feed=900.0,
+        pen_down_bias_mm=0.0, tip_mm=0.5,
+    ),
+    "fountain": PenProfile(
+        name="fountain",
+        label="Fountain pen + document ink (max ink character)",
+        # Fountain nibs need a touch more settle time and a gentle, slower line;
+        # add a small downward bias so the nib keeps consistent flow.
+        pen_down_dwell_ms=180, pen_up_dwell_ms=40, draw_feed=600.0,
+        pen_down_bias_mm=-0.1, tip_mm=0.5,
+    ),
+}
+
+DEFAULT_PEN = "uniball-signo"
+
+
+def load_pen(name: str | None) -> PenProfile:
+    """Return a PenProfile for a named pen (default uni-ball Signo)."""
+    key = (name or DEFAULT_PEN).lower()
+    if key not in PENS:
+        raise ValueError(f"unknown pen '{name}'; choices: {sorted(PENS)}")
+    return PENS[key]
+
 
 
 @dataclass(frozen=True)

scripts/workers/services/mcs150_update.py

@@ -97,6 +97,22 @@ class MCS150UpdateHandler:
         # Check current MCS-150 status via FMCSA API
         mcs150_status = self._check_current_status(dot_number)
 
+        # Enrich the intake with the carrier's CURRENT registered data from the
+        # FMCSA carrier API. The MCS-150 biennial update re-confirms the carrier's
+        # existing FMCSA record, so the authoritative source for the form is the
+        # FMCSA census (legal name, address, EIN, fleet counts) -- the intake form
+        # only collects the DOT number + any changes. Customer-provided intake
+        # values take precedence over the census (so edits/changes win).
+        census = self._fetch_carrier_record(dot_number)
+        if census:
+            merged = {**census, **{k: v for k, v in intake.items() if v not in (None, "")}}
+            intake = merged
+            LOG.info("[%s] Enriched intake from FMCSA census (legal_name=%s)",
+                     order_number, intake.get("legal_name"))
+        else:
+            LOG.warning("[%s] No FMCSA census data for DOT %s -- form may be sparse",
+                        order_number, dot_number)
+
         # Step 1: Fill the official MCS-150 PDF
         pdf_path = None
         try:
@@ -321,30 +337,59 @@ class MCS150UpdateHandler:
 
         return [minio_path] if minio_path else []
 
-    def _check_current_status(self, dot_number: str) -> str:
+    def _fetch_fmcsa_carrier(self, dot_number: str) -> dict:
-        """Check current MCS-150 status via FMCSA API."""
+        """Fetch the raw FMCSA carrier census record for a DOT number."""
         try:
             import urllib.request
             api_key = os.environ.get("FMCSA_API_KEY", "")
             if not api_key:
-                return "API key not configured"
+                return {}
-
             url = f"https://mobile.fmcsa.dot.gov/qc/services/carriers/{dot_number}?webKey={api_key}"
             req = urllib.request.Request(url, headers={"Accept": "application/json"})
             with urllib.request.urlopen(req, timeout=10) as resp:
                 data = json.loads(resp.read())
-
+            return data.get("content", {}).get("carrier", {}) or {}
-            carrier = data.get("content", {}).get("carrier", {})
-            outdated = carrier.get("mcs150Outdated", "?")
-            status = carrier.get("statusCode", "?")
-            allowed = carrier.get("allowedToOperate", "?")
-
-            return (
-                f"Status: {status}, Allowed: {allowed}, "
-                f"MCS-150 Outdated: {outdated}"
-            )
         except Exception as exc:
-            return f"Could not check: {exc}"
+            LOG.warning("FMCSA carrier fetch failed for %s: %s", dot_number, exc)
+            return {}
+
+    def _fetch_carrier_record(self, dot_number: str) -> dict:
+        """Return the carrier's current FMCSA data mapped to the intake keys the
+        PDF filler expects (so the biennial-update form is pre-filled with the
+        carrier's existing registered data). Empty dict if unavailable.
+        """
+        c = self._fetch_fmcsa_carrier(dot_number)
+        if not c:
+            return {}
+
+        def s(v):
+            return "" if v is None else str(v)
+
+        out: dict = {
+            "legal_name":   s(c.get("legalName")),
+            "dba_name":     s(c.get("dbaName")),
+            "dot_number":   s(c.get("dotNumber") or dot_number),
+            "ein":          s(c.get("ein")),
+            "address_street": s(c.get("phyStreet")),
+            "address_city":   s(c.get("phyCity")),
+            "address_state":  s(c.get("phyState")),
+            "address_zip":    s(c.get("phyZipcode")),
+            "phone":        s(c.get("telephone") or c.get("phone")),
+            "power_units":  s(c.get("totalPowerUnits")),
+            "drivers":      s(c.get("totalDrivers")),
+        }
+        return {k: v for k, v in out.items() if v}
+
+    def _check_current_status(self, dot_number: str) -> str:
+        """Check current MCS-150 status via FMCSA API."""
+        c = self._fetch_fmcsa_carrier(dot_number)
+        if not c:
+            return "Could not check FMCSA status"
+        return (
+            f"Status: {c.get('statusCode', '?')}, "
+            f"Allowed: {c.get('allowedToOperate', '?')}, "
+            f"MCS-150 Outdated: {c.get('mcs150Outdated', '?')}"
+        )
 
     def _create_pending_signature_todo(self, order_number, entity_name, dot_number,
                                        slug, minio_path, customer_email):

site/src/lib/service-catalog.generated.ts

@@ -63,6 +63,8 @@ export const SERVICE_META: Record<string, ServiceMeta> = {
   "mc-authority": { name: "MC Operating Authority Application", price_cents: 19900, gov_fee_label: "FMCSA operating authority application fee" },
   "mcs150-update": { name: "MCS-150 Biennial Update", price_cents: 3900 },
   "medicare-enrollment": { name: "Medicare Enrollment (PECOS)", price_cents: 69900 },
+  "name-reservation-nv": { name: "Nevada Name Reservation (90 days)", price_cents: 7900, gov_fee_label: "Nevada SOS name reservation fee" },
+  "name-reservation-tx": { name: "Texas Name Reservation (Form 501, 120 days)", price_cents: 7900, gov_fee_label: "Texas SOS name reservation fee (Form 501)" },
   "new-carrier-bundle": { name: "New Carrier Onboarding Bundle (FRN + 499 Initial + RMD + CPNI + CALEA)", price_cents: 179900 },
   "nm-weight-distance": { name: "NM Weight-Distance Tax Setup", price_cents: 10900, gov_fee_label: "NM weight-distance permit & account fees (state, billed at cost)" },
   "npi-reactivation": { name: "NPI Reactivation", price_cents: 44900 },