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DEEPSEEK V3 MASTER UPGRADE PROMPT — ELITE TAX ANALYSIS WORKSPACE

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================================================================
Role:
You are DEEPSEEK V3 — senior full-stack engineer, data scientist, and financial-forensics integrator.
Upgrade the existing “QuantumLedger Pro | Forensic Suite” by adding an **Elite Tax Analysis Workspace (E-TAW)** and enhancing CUSIP/Surety modules, ingestion, analytics, and reporting to a diplomatic/presidential standard.

Critical constraints (must be enforced in code and README):
• ALL analysis runs ONLY over operator-uploaded data or public feeds with licensed API keys.
• Do NOT access IRS IMF/BMF or Federal masterfiles without authorization — instead return FOIA templates and lawful channel instructions.
• All form outputs are advisory for CPA/Attorney review only. Banner:
**“FOR CPA/ATTORNEY REVIEW — NOT A FILING OR LEGAL ADVICE.”**
• Pay-walled vendor keys (BLOOMBERG_API_KEY, FIDELITY_API_KEY, SCHWAB_API_KEY, JPM_API_KEY) server-side only; mock data if missing.

High-level objective:
Build an enterprise-grade workspace that ingests contracts, promissory notes, invoices, statements, bank data, transcripts, prospectuses, and other financial docs; extracts structured data; computes forensic analytics (accrued interest, yields, amortization, fractionalization estimates, insurance value ranges); maps parties and roles; and generates CPA-ready exports and IRS form guidance. Everything organized, professional, and user-friendly.

FEATURE SUMMARY
• Frontend component → `components/TaxWorkspaceElite.jsx`
• APIs → `/api/parse-doc`, `/api/reconcile-ledger`, `/api/fraction-estimate`, `/api/party-mapping`, `/api/insurance-estimate`, `/api/generate-cpa-bundle`
• Enhanced CUSIP/Bond Search aggregating MERS, FINRA, TreasuryDirect, OpenFIGI, EDGAR, Fidelity, Bloomberg, Schwab, JPM
• Redis provenance cache layer
• Playwright + Jest testing for all modules

──────────────────────────────
1️⃣ DOCUMENT INGESTION
──────────────────────────────
Accept uploads (PDF, DOCX, TXT, CSV, OFX/QFX, MT940, XLSX).
Pipeline: store → virus/size check → text extraction (pdf-parse + Tesseract OCR) → language detect → normalize.
Store with provenance {uploaderId, filename, sha256, uploadedAt}.

──────────────────────────────
2️⃣ STRUCTURED EXTRACTION & PARSERS
──────────────────────────────
Modular parsers:
• Contract/Note → parties, dates, principal, rate, collateral clauses, assignment clauses, law.
• Invoice/Receipt → vendor, invoice #, date, line items.
• Bank Stmt → ledger (date, type, amount, balance).
• Loan/Mortgage → principal, amortization, servicer, pool ID.
• Insurance Policy → policy #, insured value, beneficiary, claims.
• Prospectus/PSA → CUSIP tables, tranche mapping.
Outputs normalized JSON {document_type, parties[], amounts[], dates[], identifiers[]}.

──────────────────────────────
3️⃣ PARTY/ENTITY EXTRACTION & RELATIONSHIP GRAPH
──────────────────────────────
Use NER + role detection (spaCy logic or JS NLP): roles = owner, trustee, beneficiary, custodian, nominee, POA, issuer, underwriter, CEO/CFO, judge, prosecutor, officer etc.
Build graph (Neo4j or JS) linking docs → parties → CUSIPs/trusts.
UI = interactive Entity Map with expandable nodes and provenance links.

──────────────────────────────
4️⃣ TRANSACTION RECONCILIATION & FRACTIONALIZATION ESTIMATOR
──────────────────────────────
Match bank ledger vs docs (fuzzy matching on date/amount/ref).
Compute rolling metrics (sum, count, mean, std dev).
Heuristic fractionalization logic:
• Detect repeated amounts & counterparties → fraction events.
• Cluster (transfers, window analysis, silhouette score).
• Bound min & max (9× – 33× range).
• Return interval + confidence score + evidence transactions.

──────────────────────────────
5️⃣ INSURANCE EXPOSURE & CLAIM VALUE (ADVISORY)
──────────────────────────────
Identify insurer & policy numbers.
Estimate insured value (low/mid/high) from limits, par value, historic payouts.
Compute claim frequency based on uploaded history + public data.
Output insuredValueEstimate + claimFrequencyEstimate + evidence.
⚠️ Produces checklists only — no claim instructions; banner applied.

──────────────────────────────
6️⃣ TAX-RELEVANT ANALYTICS & CALCULATIONS
──────────────────────────────
Compute accrued interest, coupon accrual, current yield, YTM, gain/loss, amortization, payment waterfalls.
Loans/notes → principal outstanding, delinquency, recoverable amount.
Securitizations → map loan to trust via CUSIP/PSA.
All math deterministic + unit-tested for edge cases.

──────────────────────────────
7️⃣ IRS FORM ADVISORY & CPA BUNDLE GENERATION
──────────────────────────────
Generate Recommendation Cards per issue: rationale + provenance + confidence.
Provide three CPA paths (conservative, balanced, aggressive).
Suggest forms for review — 1099-OID, 1099-B, 1040X, 1041/X, 843, 8275, 4506-T, 2848.
CPA Bundle export → CSV, JSON, PDF brief + checklist (show lines but no auto-fill).
Banner displayed on every output.

Files changed (3) hide show
  1. enterprise.html +2 -2
  2. index.html +3 -3
  3. tax-workspace.html +358 -0
enterprise.html CHANGED
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  </div>
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  <div class="hidden md:flex space-x-6">
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  <a href="index.html" class="hover:text-green-400 transition">Home</a>
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- <a href="#" class="hover:text-green-400 transition">Tax Forms</a>
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  <a href="#" class="hover:text-green-400 transition">Documents</a>
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  <a href="#" class="hover:text-green-400 transition">Analytics</a>
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  <a href="enterprise.html" class="text-green-400 font-medium">Enterprise</a>
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  <a href="#" class="hover:text-green-400 transition">Support</a>
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- </div>
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  <div class="flex items-center space-x-4">
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  <i data-feather="user" class="inline mr-1"></i> Account
 
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  </div>
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  <div class="hidden md:flex space-x-6">
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  <a href="index.html" class="hover:text-green-400 transition">Home</a>
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+ <a href="tax-workspace.html" class="hover:text-green-400 transition">Tax Workspace</a>
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  <a href="#" class="hover:text-green-400 transition">Documents</a>
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  <a href="#" class="hover:text-green-400 transition">Analytics</a>
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  <a href="enterprise.html" class="text-green-400 font-medium">Enterprise</a>
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  <a href="#" class="hover:text-green-400 transition">Support</a>
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+ </div>
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  <div class="flex items-center space-x-4">
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  <button id="enterpriseAccountBtn" class="bg-gradient-to-r from-green-500 to-blue-500 px-4 py-2 rounded-full hover:opacity-90 transition">
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  <i data-feather="user" class="inline mr-1"></i> Account
index.html CHANGED
@@ -42,13 +42,13 @@
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  <span class="text-xl font-bold bg-clip-text text-transparent bg-gradient-to-r from-green-400 to-blue-500">TurboTax Titanium</span>
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  </div>
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  <div class="hidden md:flex space-x-6">
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- <a href="#" class="hover:text-green-400 transition">Dashboard</a>
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- <a href="#" class="hover:text-green-400 transition">Tax Forms</a>
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  <a href="#" class="hover:text-green-400 transition">Documents</a>
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  <a href="#" class="hover:text-green-400 transition">Analytics</a>
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  <a href="enterprise.html" class="hover:text-green-400 transition">Enterprise</a>
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  <a href="#" class="hover:text-green-400 transition">Support</a>
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- </div>
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  <div class="flex items-center space-x-4">
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  <button id="accountBtn" class="bg-gradient-to-r from-green-500 to-blue-500 px-4 py-2 rounded-full hover:opacity-90 transition">
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  <i data-feather="user" class="inline mr-1"></i> Account
 
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  <span class="text-xl font-bold bg-clip-text text-transparent bg-gradient-to-r from-green-400 to-blue-500">TurboTax Titanium</span>
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  </div>
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  <div class="hidden md:flex space-x-6">
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+ <a href="index.html" class="hover:text-green-400 transition">Dashboard</a>
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+ <a href="tax-workspace.html" class="hover:text-green-400 transition">Tax Workspace</a>
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  <a href="#" class="hover:text-green-400 transition">Documents</a>
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  <a href="#" class="hover:text-green-400 transition">Analytics</a>
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  <a href="enterprise.html" class="hover:text-green-400 transition">Enterprise</a>
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  <a href="#" class="hover:text-green-400 transition">Support</a>
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+ </div>
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  <div class="flex items-center space-x-4">
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  <button id="accountBtn" class="bg-gradient-to-r from-green-500 to-blue-500 px-4 py-2 rounded-full hover:opacity-90 transition">
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  <i data-feather="user" class="inline mr-1"></i> Account
tax-workspace.html ADDED
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+ <!DOCTYPE html>
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+ <html lang="en">
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+ <head>
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+ <meta charset="UTF-8">
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+ <meta name="viewport" content="width=device-width, initial-scale=1.0">
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+ <title>Elite Tax Analysis Workspace | TurboTax Titanium</title>
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+ <script src="https://cdn.tailwindcss.com"></script>
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+ <script src="https://unpkg.com/feather-icons"></script>
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+ <style>
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+ .glass-morphism {
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+ background: rgba(255, 255, 255, 0.1);
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+ backdrop-filter: blur(10px);
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+ border-radius: 20px;
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+ border: 1px solid rgba(255, 255, 255, 0.2);
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+ }
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+ .workspace-card {
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+ transition: all 0.3s ease;
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+ }
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+ .workspace-card:hover {
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+ transform: translateY(-5px);
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+ box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
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+ }
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+ .warning-banner {
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+ background: linear-gradient(90deg, #f59e0b, #ef4444);
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+ animation: pulse 2s infinite;
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+ }
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+ @keyframes pulse {
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+ 0% { opacity: 0.8; }
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+ 50% { opacity: 1; }
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+ 100% { opacity: 0.8; }
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+ }
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+ </style>
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+ </head>
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+ <body class="min-h-screen bg-gradient-to-br from-gray-900 to-gray-800 text-white">
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+ <!-- Navigation -->
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+ <nav class="glass-morphism mx-4 mt-4 rounded-full px-6 py-3 flex justify-between items-center">
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+ <div class="flex items-center space-x-2">
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+ <i data-feather="dollar-sign" class="text-green-400"></i>
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+ <span class="text-xl font-bold bg-clip-text text-transparent bg-gradient-to-r from-green-400 to-blue-500">TurboTax Titanium</span>
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+ </div>
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+ <div class="hidden md:flex space-x-6">
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+ <a href="index.html" class="hover:text-green-400 transition">Dashboard</a>
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+ <a href="tax-workspace.html" class="text-green-400 font-medium">Tax Workspace</a>
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+ <a href="#" class="hover:text-green-400 transition">Documents</a>
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+ <a href="#" class="hover:text-green-400 transition">Analytics</a>
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+ <a href="enterprise.html" class="hover:text-green-400 transition">Enterprise</a>
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+ <a href="#" class="hover:text-green-400 transition">Support</a>
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+ </div>
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+ <div class="flex items-center space-x-4">
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+ <button id="accountBtn" class="bg-gradient-to-r from-green-500 to-blue-500 px-4 py-2 rounded-full hover:opacity-90 transition">
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+ <i data-feather="user" class="inline mr-1"></i> Account
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+ </button>
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+ <button class="md:hidden">
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+ <i data-feather="menu"></i>
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+ </button>
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+ </div>
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+ </nav>
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+
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+ <!-- Main Content -->
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+ <main class="container mx-auto px-4 py-8">
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+ <!-- Warning Banner -->
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+ <div class="warning-banner text-white text-center p-4 mb-8 rounded-lg">
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+ <strong>FOR CPA/ATTORNEY REVIEW — NOT A FILING OR LEGAL ADVICE</strong>
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+ </div>
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+
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+ <!-- Workspace Header -->
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+ <section class="text-center mb-12">
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+ <h1 class="text-4xl md:text-5xl font-extrabold mb-4">
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+ <span class="bg-clip-text text-transparent bg-gradient-to-r from-green-400 to-blue-500">
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+ Elite Tax Analysis Workspace
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+ </span>
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+ </h1>
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+ <p class="text-lg text-gray-300 max-w-3xl mx-auto">
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+ Forensic-grade document processing, structured extraction, and CPA-ready analytics
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+ </p>
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+ </section>
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+
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+ <!-- Document Upload Section -->
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+ <section class="glass-morphism p-8 rounded-2xl mb-12">
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+ <h2 class="text-2xl font-bold mb-6">Document Ingestion</h2>
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+ <div class="border-2 border-dashed border-gray-600 rounded-xl p-8 text-center">
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+ <i data-feather="upload" class="w-12 h-12 mx-auto text-blue-400 mb-4"></i>
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+ <p class="mb-4">Drag & drop or click to upload financial documents</p>
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+ <p class="text-sm text-gray-400 mb-6">Supported formats: PDF, DOCX, TXT, CSV, OFX/QFX, MT940, XLSX</p>
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+ <button id="uploadBtn" class="bg-gradient-to-r from-blue-500 to-purple-500 px-6 py-3 rounded-full font-medium hover:opacity-90 transition">
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+ Select Files
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+ </button>
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+ </div>
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+ </section>
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+
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+ <!-- Analysis Modules Grid -->
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+ <section class="mb-12">
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+ <h2 class="text-2xl font-bold mb-6">Analysis Modules</h2>
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+ <div class="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
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+ <!-- Module 1 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-green-400 mb-4">
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+ <i data-feather="file-text" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">Structured Extraction</h3>
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+ <p class="text-gray-300 mb-4">Extract entities, amounts, dates and identifiers from financial documents</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ Run Analysis <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+
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+ <!-- Module 2 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-purple-400 mb-4">
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+ <i data-feather="users" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">Party Relationship Graph</h3>
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+ <p class="text-gray-300 mb-4">Visualize connections between entities across documents</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ View Network <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+
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+ <!-- Module 3 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-yellow-400 mb-4">
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+ <i data-feather="dollar-sign" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">Fractionalization Estimator</h3>
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+ <p class="text-gray-300 mb-4">Detect potential transaction clusters with confidence scoring</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ Calculate <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+
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+ <!-- Module 4 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-red-400 mb-4">
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+ <i data-feather="shield" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">Insurance Exposure</h3>
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+ <p class="text-gray-300 mb-4">Estimate policy values and claim frequency from documents</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ Assess <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+
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+ <!-- Module 5 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-blue-400 mb-4">
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+ <i data-feather="cpu" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">Tax Calculations</h3>
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+ <p class="text-gray-300 mb-4">Accrued interest, yields, amortization, and gain/loss</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ Compute <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+
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+ <!-- Module 6 -->
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+ <div class="glass-morphism p-6 rounded-xl workspace-card">
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+ <div class="text-pink-400 mb-4">
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+ <i data-feather="file-plus" class="w-10 h-10"></i>
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+ </div>
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+ <h3 class="text-xl font-bold mb-3">CPA Bundle Generator</h3>
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+ <p class="text-gray-300 mb-4">Export all findings with evidence for professional review</p>
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+ <button class="text-blue-400 text-sm font-medium flex items-center">
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+ Generate <i data-feather="arrow-right" class="w-4 h-4 ml-1"></i>
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+ </button>
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+ </div>
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+ </div>
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+ </section>
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+
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+ <!-- CUSIP/Bond Search -->
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+ <section class="glass-morphism p-8 rounded-2xl mb-12">
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+ <h2 class="text-2xl font-bold mb-6">CUSIP/Bond Search</h2>
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+ <div class="flex mb-6">
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+ <input type="text" placeholder="Search by CUSIP, ISIN, or description..." class="flex-grow bg-gray-700 rounded-l-lg px-4 py-3 focus:outline-none focus:ring-2 focus:ring-blue-500">
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+ <button class="bg-gradient-to-r from-blue-500 to-purple-500 px-6 rounded-r-lg font-medium">
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+ Search
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+ </button>
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+ </div>
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+ <div class="grid grid-cols-1 md:grid-cols-2 gap-6" id="cusipResults">
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+ <!-- Results will be populated here -->
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+ </div>
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+ </section>
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+
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+ <!-- IRS Form Advisory -->
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+ <section class="glass-morphism p-8 rounded-2xl mb-12">
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+ <h2 class="text-2xl font-bold mb-6">IRS Form Advisory</h2>
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+ <div class="space-y-6">
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+ <!-- Advisory Card 1 -->
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+ <div class="bg-gray-800 bg-opacity-50 p-6 rounded-xl">
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+ <div class="flex justify-between items-start mb-4">
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+ <h3 class="text-xl font-bold text-green-400">Potential 1099-OID Requirement</h3>
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+ <span class="bg-green-900 text-green-400 px-3 py-1 rounded-full text-sm">High Confidence</span>
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+ </div>
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+ <p class="text-gray-300 mb-4">Documents indicate original issue discount instruments with $4,200 in accrued interest across 3 notes.</p>
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+ <div class="flex flex-wrap gap-2 mb-4">
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+ <span class="bg-gray-700 px-3 py-1 rounded-full text-sm">Document: Promissory Note #1234</span>
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+ <span class="bg-gray-700 px-3 py-1 rounded-full text-sm">Document: Bank Statement 03/2023</span>
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+ </div>
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+ <div>
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+ <h4 class="font-bold mb-2">Action Options:</h4>
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+ <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-blue-400 mb-2">Conservative</h5>
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+ <p class="text-sm text-gray-300 mb-2">Report all accrued interest</p>
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+ <button class="text-xs bg-blue-900 text-blue-400 px-3 py-1 rounded">Select</button>
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+ </div>
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-purple-400 mb-2">Balanced</h5>
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+ <p class="text-sm text-gray-300 mb-2">Report with conservative yield adjustment</p>
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+ <button class="text-xs bg-purple-900 text-purple-400 px-3 py-1 rounded">Select</button>
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+ </div>
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-pink-400 mb-2">Aggressive</h5>
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+ <p class="text-sm text-gray-300 mb-2">Defer reporting pending legal opinion</p>
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+ <button class="text-xs bg-pink-900 text-pink-400 px-3 py-1 rounded">Select</button>
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+ </div>
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+ </div>
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+ </div>
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+ </div>
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+
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+ <!-- Advisory Card 2 -->
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+ <div class="bg-gray-800 bg-opacity-50 p-6 rounded-xl">
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+ <div class="flex justify-between items-start mb-4">
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+ <h3 class="text-xl font-bold text-yellow-400">Potential 1099-B Consideration</h3>
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+ <span class="bg-yellow-900 text-yellow-400 px-3 py-1 rounded-full text-sm">Medium Confidence</span>
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+ </div>
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+ <p class="text-gray-300 mb-4">Transaction clusters suggest possible security sales totaling ~$18,500 with estimated cost basis of $12,200.</p>
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+ <div class="flex flex-wrap gap-2 mb-4">
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+ <span class="bg-gray-700 px-3 py-1 rounded-full text-sm">Document: Bank Wire Confirmations</span>
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+ <span class="bg-gray-700 px-3 py-1 rounded-full text-sm">Document: Brokerage Statement Q2</span>
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+ </div>
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+ <div>
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+ <h4 class="font-bold mb-2">Action Options:</h4>
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+ <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-blue-400 mb-2">Conservative</h5>
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+ <p class="text-sm text-gray-300 mb-2">Report all as short-term capital gains</p>
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+ <button class="text-xs bg-blue-900 text-blue-400 px-3 py-1 rounded">Select</button>
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+ </div>
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-purple-400 mb-2">Balanced</h5>
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+ <p class="text-sm text-gray-300 mb-2">Report with long-term/short-term split</p>
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+ <button class="text-xs bg-purple-900 text-purple-400 px-3 py-1 rounded">Select</button>
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+ <div class="bg-gray-800 p-4 rounded-lg">
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+ <h5 class="font-bold text-pink-400 mb-2">Aggressive</h5>
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+ <p class="text-sm text-gray-300 mb-2">Document as return of principal</p>
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