add blur detection + Ollama ID validation + corporate check for all carriers

- Client-side: Laplacian variance blur detection in photo quality check
  (very blurry / somewhat blurry / acceptable / good)
- Server-side: async Ollama vision model validates uploaded image is a
  real government ID (minicpm-v:8b), flags non-ID uploads
- Corporate check: sole proprietors now get yellow 'form an LLC' upsell,
  formal entities get annual report/RA reminder

api/src/routes/dot-lookup.ts

@@ -431,7 +431,7 @@ router.get("/api/v1/dot/lookup", async (req, res) => {
       }
     }
 
-    // ── Check 15: Corporate / LLC Compliance ──
+    // ── Check 15: Corporate / Entity Compliance ──
     {
       const entityName = (name || "").toUpperCase();
       const isLLC = /\bLLC\b|\bL\.L\.C\b/.test(entityName);
@@ -439,10 +439,10 @@ router.get("/api/v1/dot/lookup", async (req, res) => {
       const isLTD = /\bLTD\b|\bLTD\.\b|\bLIMITED\b/.test(entityName);
       const isLP = /\bLP\b|\bL\.P\.\b|\bLLP\b/.test(entityName);
       const isFormalEntity = isLLC || isCorp || isLTD || isLP;
+      const state = carrier?.phyState || census?.phy_state || "";
 
       if (isFormalEntity) {
         const entityType = isLLC ? "LLC" : isCorp ? "Corporation" : isLTD ? "Ltd" : "LP/LLP";
-        const state = carrier?.phyState || census?.phy_state || "";
         checks.push({
           id: "corporate_compliance",
           label: "Corporate / Entity Compliance",
@@ -452,6 +452,17 @@ router.get("/api/v1/dot/lookup", async (req, res) => {
             + `administrative dissolution and loss of liability protection. `
             + `Performance West can handle your annual filings and registered agent service.`,
         });
+      } else {
+        // Sole proprietor / no formal entity — suggest forming one
+        checks.push({
+          id: "corporate_compliance",
+          label: "Business Entity & Liability Protection",
+          status: "yellow",
+          detail: `Operating as a sole proprietor in ${state || "your state"} means your personal assets `
+            + `are not protected from business liabilities, lawsuits, or accidents. `
+            + `Forming an LLC or Corporation separates your personal and business assets. `
+            + `Performance West can form your LLC in as little as 24 hours and serve as your registered agent.`,
+        });
       }
     }
 

api/src/routes/id-upload.ts

@@ -185,6 +185,9 @@ router.post("/api/v1/id-upload/:token", async (req: Request, res: Response) => {
       thumbnailUrl = (await presign(minioPath, "GET", 3600)) || "";
     }
 
+    // Kick off async Ollama ID validation (non-blocking)
+    validateIdWithOllama(base64Data, tokenData.order_number as string, token).catch(() => {});
+
     res.json({
       success: true,
       uploaded: true,
@@ -227,4 +230,93 @@ router.get("/api/v1/id-upload/:token/status", async (req: Request, res: Response
   }
 });
 
+
+// ── Ollama Vision ID Validation ────────────────────────────────────
+
+const OLLAMA_URL = process.env.OLLAMA_URL || "http://ollama:11434";
+const OLLAMA_MODEL = process.env.OLLAMA_VISION_MODEL || "minicpm-v:8b";
+
+async function validateIdWithOllama(
+  base64Image: string,
+  orderNumber: string,
+  token: string,
+): Promise<void> {
+  try {
+    const prompt = `Analyze this image. Is this a government-issued photo ID (driver's license, passport, state ID, or military ID)?
+
+Reply in this exact JSON format:
+{"is_id": true/false, "id_type": "driver_license/passport/state_id/military_id/unknown", "readable": true/false, "issues": ["list of issues if any"], "confidence": 0.0-1.0}
+
+Rules:
+- "is_id" = true only if this clearly shows a government photo ID
+- "readable" = true only if text on the ID appears legible
+- List issues like "blurry", "too dark", "partial/cropped", "glare", "wrong document"
+- Be strict: a photo of a credit card, insurance card, or random document is NOT an ID`;
+
+    const resp = await fetch(`${OLLAMA_URL}/api/generate`, {
+      method: "POST",
+      headers: { "Content-Type": "application/json" },
+      body: JSON.stringify({
+        model: OLLAMA_MODEL,
+        prompt,
+        images: [base64Image.substring(0, 500000)], // Cap at ~375KB decoded
+        stream: false,
+      }),
+    });
+
+    if (!resp.ok) {
+      console.warn("[id-validate] Ollama returned", resp.status);
+      return;
+    }
+
+    const data = (await resp.json()) as { response?: string };
+    const raw = data.response || "";
+    console.log("[id-validate] Ollama response:", raw.substring(0, 300));
+
+    // Parse JSON from response
+    const jsonMatch = raw.match(/\{[\s\S]*?\}/);
+    if (!jsonMatch) return;
+
+    let validation: Record<string, unknown>;
+    try {
+      validation = JSON.parse(jsonMatch[0]);
+    } catch {
+      return;
+    }
+
+    // Store validation result in the token record
+    await pool.query(
+      `UPDATE id_upload_tokens SET minio_paths = jsonb_set(
+         COALESCE(minio_paths, '{}'::jsonb),
+         '{validation}',
+         $1::jsonb
+       ) WHERE token = $2`,
+      [JSON.stringify(validation), token],
+    ).catch(() => {});
+
+    // If it's clearly not an ID, flag it in the order
+    if (validation.is_id === false) {
+      await pool.query(
+        `UPDATE compliance_orders SET intake_data = jsonb_set(
+           COALESCE(intake_data, '{}'::jsonb),
+           '{photo_id_validation}',
+           $1::jsonb
+         ) WHERE order_number = $2`,
+        [JSON.stringify({
+          valid: false,
+          reason: "Uploaded image does not appear to be a government-issued photo ID",
+          issues: validation.issues || [],
+          checked_at: new Date().toISOString(),
+        }), orderNumber],
+      ).catch(() => {});
+
+      console.warn(`[id-validate] Order ${orderNumber}: uploaded image is NOT a valid ID`);
+    } else {
+      console.log(`[id-validate] Order ${orderNumber}: valid ${validation.id_type}, readable=${validation.readable}`);
+    }
+  } catch (err) {
+    console.warn("[id-validate] Ollama validation failed:", err);
+  }
+}
+
 export default router;