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

site/src/components/intake/steps/DOTIntakeStep.astro

@@ -624,6 +624,51 @@
         checks.push({ok: false, text: "Aspect ratio: " + ratio.toFixed(1) + ":1 — doesn't look like a standard ID"});
         warnings.push("This doesn't appear to be a photo of an ID card. Please upload a clear photo of the front of your government-issued ID.");
       }
+
+      // Blur detection — Laplacian variance on grayscale canvas
+      try {
+        var canvas = document.createElement("canvas");
+        var sz = 300; // downsample for speed
+        var scale = Math.min(sz / w, sz / h, 1);
+        canvas.width = Math.round(w * scale);
+        canvas.height = Math.round(h * scale);
+        var ctx = canvas.getContext("2d");
+        if (ctx) {
+          ctx.drawImage(imgEl, 0, 0, canvas.width, canvas.height);
+          var imgData = ctx.getImageData(0, 0, canvas.width, canvas.height);
+          var gray = new Float32Array(canvas.width * canvas.height);
+          for (var p = 0; p < gray.length; p++) {
+            gray[p] = imgData.data[p * 4] * 0.299 + imgData.data[p * 4 + 1] * 0.587 + imgData.data[p * 4 + 2] * 0.114;
+          }
+          // 3x3 Laplacian kernel: [0,-1,0,-1,4,-1,0,-1,0]
+          var cw = canvas.width;
+          var laplacianSum = 0;
+          var laplacianCount = 0;
+          for (var y = 1; y < canvas.height - 1; y++) {
+            for (var x = 1; x < cw - 1; x++) {
+              var idx = y * cw + x;
+              var lap = 4 * gray[idx] - gray[idx - 1] - gray[idx + 1] - gray[idx - cw] - gray[idx + cw];
+              laplacianSum += lap * lap;
+              laplacianCount++;
+            }
+          }
+          var blurScore = laplacianSum / laplacianCount;
+          // Typical thresholds: <100 = very blurry, 100-300 = moderate, >300 = sharp
+          if (blurScore < 50) {
+            checks.push({ok: false, text: "Sharpness: very blurry — text will be unreadable"});
+            warnings.push("Your photo is too blurry. Hold the camera steady and make sure the ID is in focus before taking the picture.");
+          } else if (blurScore < 150) {
+            checks.push({ok: false, text: "Sharpness: somewhat blurry — try retaking"});
+            warnings.push("Your photo may be slightly blurry. For best results, hold the camera steady and ensure good lighting.");
+          } else if (blurScore < 400) {
+            checks.push({ok: true, text: "Sharpness: acceptable"});
+          } else {
+            checks.push({ok: true, text: "Sharpness: good, text should be readable"});
+          }
+        }
+      } catch (blurErr) {
+        // Blur check failed silently — not critical
+      }
     }
 
     // Render checks