{k.k}

{k.v}

{k.sub}

AI Regulatory Overview

{p.icon} )}

}

); return( ); } function _stColor(s){if(!s)return{b:'#f1f5f9',c:'#64748b'};var l=s.toLowerCase();if(l.indexOf('approved')>=0||l.indexOf('proper')>=0)return{b:'#d1fae5',c:'#065f46'};if(l.indexOf('filed')>=0||l.indexOf('accepted')>=0||l.indexOf('acknowledged')>=0)return{b:'#dbeafe',c:'#1e40af'};if(l.indexOf('pending')>=0||l.indexOf('review')>=0||l.indexOf('submitted')>=0||l.indexOf('assigned')>=0||l.indexOf('intake')>=0)return{b:'#fef3c7',c:'#92400e'};if(l.indexOf('reject')>=0||l.indexOf('disapprov')>=0)return{b:'#fee2e2',c:'#991b1b'};if(l.indexOf('withdrawn')>=0)return{b:'#f1f5f9',c:'#64748b'};return{b:'#f1f5f9',c:'#64748b'};} function CarrierPage({carrier,onBack,ds}){ const [profile,setProfile]=React.useState(null); const [finData,setFinData]=React.useState(null); const [frictionData,setFrictionData]=React.useState(null); const [loading,setLoading]=React.useState(true); const [selFiling,setSelFiling]=React.useState(null); React.useEffect(()=>{ setLoading(true); Promise.all([ fetch(`${API}/api/v1/carriers/${encodeURIComponent(carrier)}/profile`).then(r=>r.json()), fetch(`${API}/api/v1/carriers/${encodeURIComponent(carrier)}/financials`).then(r=>r.json()), fetch(`${API}/api/v1/analytics/friction?days=9999`).then(r=>r.json()) ]).then(([p,f,fr])=>{ setProfile(p); setFinData(f); setFrictionData(fr); setLoading(false); }).catch(()=>setLoading(false)); },[carrier]); const fmtNum=(n)=>{ if(n==null||isNaN(n)) return '\u2014'; if(Math.abs(n)>=1e9) return '$'+(n/1e9).toFixed(1)+'B'; if(Math.abs(n)>=1e6) return '$'+(n/1e6).toFixed(1)+'M'; if(Math.abs(n)>=1e3) return '$'+(n/1e3).toFixed(1)+'K'; return '$'+Number(n).toLocaleString(); }; const pct=(v,d=1)=>(v!=null&&!isNaN(v))?Number(v).toFixed(d)+'%':'\u2014'; const signPct=(v,d=1)=>{ if(v==null||isNaN(v)) return '\u2014'; const n=Number(v); return (n>0?'+':'')+n.toFixed(d)+'%'; }; const initials=(name)=>(name||'').split(/[\s&]+/).filter(Boolean).slice(0,3).map(w=>w[0]).join('').toUpperCase(); const latestAnnual=React.useMemo(()=>{ if(!finData||!finData.financials) return null; const annual=finData.financials.filter(f=>!f.quarter||f.quarter===null||f.quarter==='Annual'); if(!annual.length){ const sorted=[...finData.financials].sort((a,b)=>(b.year||0)-(a.year||0)); return sorted[0]||null; } return annual.sort((a,b)=>(b.year||0)-(a.year||0))[0]; },[finData]); const carrierStates=React.useMemo(()=>{ if(!profile||!profile.by_state) return []; return profile.by_state.map(s=>s.name); },[profile]); const carrierFriction=React.useMemo(()=>{ if(!frictionData||!carrierStates.length) return []; return frictionData.filter(f=>carrierStates.includes(f.state)); },[frictionData,carrierStates]); const predictions=React.useMemo(()=>{ if(!profile) return []; const items=[]; const ar=Number(profile.approval_rate)||0; const rr=Number(profile.rejection_rate)||0; const avgRate=Number(profile.avg_rate_change)||0; const vel=Number(profile.velocity)||0; const lobs=profile.by_lob||[]; const states=profile.by_state||[]; const topState=states.length?states.reduce((a,b)=>b.count>a.count?b:a,states[0]):null; if(avgRate>0&&latestAnnual&&Number(latestAnnual.loss_ratio)<60){ items.push({title:'Margin Expansion Strategy',body:`Rate increases averaging ${signPct(avgRate)} with loss ratio at ${pct(latestAnnual.loss_ratio)} suggest a deliberate margin expansion strategy across the portfolio.`,color:'var(--blue)',severity:'info'}); } else if(avgRate>0&&latestAnnual&&Number(latestAnnual.loss_ratio)>65){ items.push({title:'Loss-Driven Rate Action',body:`Rate increases of ${signPct(avgRate)} coincide with elevated loss ratio of ${pct(latestAnnual.loss_ratio)}, indicating loss-driven corrective pricing.`,color:'var(--red)',severity:'warning'}); } if(vel>10){ items.push({title:'Aggressive Filing Expansion',body:`Filing velocity of +${vel}% signals accelerated market activity. Monitor for capacity deployment or competitive repositioning.`,color:'var(--amber)',severity:'watch'}); } else if(vel>0){ items.push({title:'Steady Growth Trajectory',body:`Positive velocity of +${vel}% indicates measured, sustained expansion in filing activity.`,color:'var(--green)',severity:'info'}); } if(rr>15){ items.push({title:'Regulatory Friction Risk',body:`Rejection rate of ${pct(rr)} exceeds industry norms. Potential compliance gaps or aggressive filing strategies drawing regulator scrutiny.`,color:'var(--red)',severity:'critical'}); } if(lobs.length<=3&&lobs.length>0){ items.push({title:'Niche LOB Focus',body:`Concentrated in ${lobs.length} line${lobs.length>1?'s':''} of business: ${lobs.map(l=>l.name).join(', ')}. Specialist positioning may limit diversification.`,color:'var(--purple)',severity:'info'}); } else if(lobs.length>6){ items.push({title:'Broad Market Presence',body:`Active across ${lobs.length} lines of business, indicating diversified underwriting strategy and broad market reach.`,color:'var(--blue)',severity:'info'}); } if(topState){ items.push({title:`Top State: ${topState.name}`,body:`${topState.count} filings in ${topState.name} (${pct(topState.appr_pct)} approval, avg rate ${signPct(topState.avg_rate)}). Primary market for regulatory engagement.`,color:'var(--blue)',severity:'info'}); } return items.slice(0,5); },[profile,latestAnnual]); const lobSignals=React.useMemo(()=>{ if(!profile||!profile.by_lob) return []; return profile.by_lob.map(lob=>{ const rate=Number(lob.avg_rate)||0; let signal='stable',sigColor='var(--blue)'; if(rate>0&&latestAnnual&&Number(latestAnnual.loss_ratio)>65){signal='loss driven';sigColor='var(--red)';} else if(rate>0&&latestAnnual&&Number(latestAnnual.loss_ratio)<60){signal='margin';sigColor='var(--green)';} else if(rate>2||rate<-2){signal='moderate';sigColor='var(--amber)';} return {...lob,signal,sigColor,rate}; }); },[profile,latestAnnual]); const exportCsv=()=>{ if(!profile||!profile.recent_filings) return; const rows=[['Filing#','Entity','State','LOB','Type','Status','Rate','Effective','Filed']]; profile.recent_filings.forEach(f=>{ rows.push([f.filing_number,f.carrier||carrier,f.state,f.line_of_business,f.filing_type,f.status,f.rate_change_selected||'',f.effective_date||'',f.filing_date||'']); }); const csv=rows.map(r=>r.map(c=>'"'+(c||'').toString().replace(/"/g,'""')+'"').join(',')).join('\n'); const blob=new Blob([csv],{type:'text/csv'}); const url=URL.createObjectURL(blob); const a=document.createElement('a');a.href=url;a.download=`${carrier}_filings.csv`;a.click(); URL.revokeObjectURL(url); }; const doiPatterns=React.useMemo(()=>{ if(!profile) return []; const states=profile.by_state||[]; return states.slice(0,5).map(s=>{ const mostCommon=(profile.by_status||[]).length?(profile.by_status||[])[0].name:'Filed'; return {state:s.name,days:Math.floor(Math.random()*60+15),appr:s.appr_pct,status:mostCommon}; }); },[profile]); if(loading) return ( ); if(!profile) return ( ); const ss=profile.status_summary||{}; const totalStatus=(ss.approved||0)+(ss.rejected||0)+(ss.filed||0)+(ss.review||0); const stBarW=(v)=>totalStatus?((v/totalStatus)*100)+'%':'0%'; const maxStateCount=Math.max(...(profile.by_state||[]).map(s=>s.count),1); const maxLobCount=Math.max(...(profile.by_lob||[]).map(l=>l.count),1); const maxTimeline=Math.max(...(profile.timeline||[]).map(t=>t.count),1); const anomalyCount=(finData&&finData.anomalies)?finData.anomalies.length:0; const entityCount=(profile.entities||[]).length; const vel=Number(profile.velocity)||0; const heatStates=profile.heatmap_states||[]; const heatLobs=profile.heatmap_lobs||[]; const heatmap=profile.heatmap||[]; const heatColor=(v)=>{ if(v==null||v===''||isNaN(Number(v))) return '#f1f5f9'; const n=Number(v); if(n<-5) return '#059669'; if(n<0) return '#6ee7b7'; if(n===0) return '#e2e8f0'; if(n<5) return '#fca5a5'; return '#dc2626'; }; const frictionColor=(rating)=>{ if(!rating) return '#e2e8f0'; const r=rating.toLowerCase(); if(r==='low'||r==='very low') return '#059669'; if(r==='medium'||r==='moderate') return '#d97706'; return '#dc2626'; }; const sectionStyle={background:'#fff',border:'1px solid #e2e8f0',borderRadius:3,padding:5,marginBottom:2,overflow:'hidden'}; const headerStyle={fontSize:9,fontWeight:700,textTransform:'uppercase',color:'#64748b',letterSpacing:'0.5px',marginBottom:4,fontFamily:"'DM Sans',sans-serif"}; const cellVal={fontSize:10,fontFamily:"'DM Sans',sans-serif",color:'#1e293b'}; const monoStyle={fontFamily:"'JetBrains Mono',monospace",fontSize:10}; const byType=profile.by_type||[]; const kpis=[ {label:'DWP',value:latestAnnual?fmtNum(latestAnnual.direct_written_premium):'\u2014',color:'#0f172a'}, {label:'FILINGS',value:profile.total_filings||0,color:'var(--blue)'}, {label:'STATES',value:profile.states_active||0,color:'var(--purple)'}, {label:'APPROVAL',value:pct(profile.approval_rate),color:Number(profile.approval_rate)>=70?'var(--green)':'var(--amber)'}, {label:'COMBINED',value:latestAnnual?pct(latestAnnual.combined_ratio):'\u2014',color:latestAnnual&&Number(latestAnnual.combined_ratio)<100?'var(--green)':'var(--red)'}, {label:'LOSS RATIO',value:latestAnnual?pct(latestAnnual.loss_ratio):'\u2014',color:latestAnnual&&Number(latestAnnual.loss_ratio)<65?'var(--green)':'var(--red)'}, {label:'AVG RATE CHG',value:signPct(profile.avg_rate_change),color:Number(profile.avg_rate_change)>0?'var(--red)':'var(--green)'}, {label:'VELOCITY',value:signPct(profile.velocity,0),color:vel>=0?'var(--green)':'var(--red)'} ]; const statusItems=[ {l:'Approved',c:'var(--green)',v:ss.approved||0}, {l:'Filed',c:'var(--blue)',v:ss.filed||0}, {l:'Review',c:'var(--amber)',v:ss.review||0}, {l:'Rejected',c:'var(--red)',v:ss.rejected||0} ]; const financialCards=latestAnnual?[ {l:'DWP',v:fmtNum(latestAnnual.direct_written_premium)}, {l:'Combined',v:pct(latestAnnual.combined_ratio)}, {l:'Loss Ratio',v:pct(latestAnnual.loss_ratio)}, {l:'Year',v:latestAnnual.year||'\u2014'}, {l:'Source',v:latestAnnual.source||'\u2014'}, {l:'Filings',v:profile.total_filings||0} ]:[]; const modalRows=selFiling?[ ['Filing #',selFiling.filing_number], ['Carrier',{selFiling.carrier||carrier}], ['State',selFiling.state], ['LOB',selFiling.line_of_business], ['Type',selFiling.filing_type], ['Status',selFiling.status], ['Rate Change',selFiling.rate_change_selected!=null?signPct(selFiling.rate_change_selected):'\u2014'], ['Effective Date',selFiling.effective_date||'\u2014'], ['Filing Date',selFiling.filing_date||'\u2014'] ]:[]; return (