agent3_underwriting.py

"""
══════════════════════════════════════════════════════════════════════════════
AGENT 3 — Underwriting Agent  (Step 3 of 5)
══════════════════════════════════════════════════════════════════════════════
PURPOSE  : Apply carrier underwriting guidelines, state compliance checks,
           reinsurance eligibility, and coverage adequacy validation.
           Reads Property Risk output from Agent 2.

INPUT    : silver/property_risk/{sub_id}_property.json
OUTPUT   : silver/uw_decisions/{sub_id}_uw.json

DECISION : UW_APPROVED      → pipeline continues to Agent 4 (ML Pricing)
           UW_DECLINED      → pipeline halts, submission DECLINED
           UW_REFERRAL      → manual referral (edge cases)

TRAINING : XGBoost binary classifier + rules engine.
           Features combine KYC signals (credit), property risk scores,
           coverage parameters, and actuarial portfolio factors.

UW RULES APPLIED:
    ① Coverage limit adequacy   — limit must be >= 80% of estimated RCV
    ② Deductible reasonableness — deductible cannot exceed 10% of limit
    ③ State compliance          — state-specific exclusions and endorsements
    ④ Reinsurance eligibility   — limits above $2M require reinsurance sign-off
    ⑤ Combined ratio guard      — portfolio ELR + risk score must be within band
    ⑥ Coverage-property match   — HO-4 only for renters; HO-6 only for condos
══════════════════════════════════════════════════════════════════════════════
"""

import json
import pickle
import datetime
import numpy as np
import pandas as pd
# mysql.connector kept as fallback; primary driver is PyMySQL via SQLAlchemy
import mysql.connector
try:
    from sqlalchemy import create_engine, text
    from urllib.parse import quote_plus as _qp
    SQLALCHEMY_AVAILABLE = True
except ImportError:
    SQLALCHEMY_AVAILABLE = False
from pathlib import Path
from sklearn.model_selection import train_test_split
from sklearn.metrics import roc_auc_score, classification_report
import xgboost as xgb

# ─── CONFIG ──────────────────────────────────────────────────────────────────
# ─── DB CONFIG — supports local MySQL and HuggingFace + Clever Cloud ─────────
import os as _os

def _is_huggingface() -> bool:
    return (
        _os.environ.get("SPACE_ID")            is not None
        or _os.environ.get("HUGGINGFACE_SPACE") is not None
        or _os.environ.get("MYSQL_ADDON_HOST")  is not None
        or _os.environ.get("MYSQL_HOST")        is not None
    )

def _env(addon_key: str, generic_key: str, default: str = "") -> str:
    """Reads MYSQL_ADDON_* first (Clever Cloud), then MYSQL_* (generic), then default."""
    return _os.environ.get(addon_key) or _os.environ.get(generic_key) or default

if _is_huggingface():
    DB = dict(
        host     = _env("MYSQL_ADDON_HOST",     "MYSQL_HOST"),
        port     = int(_env("MYSQL_ADDON_PORT", "MYSQL_PORT", "3306")),
        user     = _env("MYSQL_ADDON_USER",     "MYSQL_USER"),
        password = _env("MYSQL_ADDON_PASSWORD", "MYSQL_PASSWORD"),
        database = _env("MYSQL_ADDON_DB",       "MYSQL_DATABASE"),
    )
else:
    DB = dict(host="localhost", port=3306, user="root", password="root@123", database="bronze")

def T(layer: str, table: str) -> str:
    """
    Returns the correct table reference for the active environment.
    HuggingFace (single schema):  `bronze_submissions`
    Local (separate schemas):     `bronze`.`submissions`
    """
    return f"`{layer}_{table}`" if _is_huggingface() else f"`{layer}`.`{table}`"
MODEL_PATH  = Path("models/agent3_underwriting.pkl")
SILVER_IN   = Path("silver/property_risk")
SILVER_OUT  = Path("silver/uw_decisions")
MODEL_PATH.parent.mkdir(exist_ok=True)
SILVER_OUT.mkdir(parents=True, exist_ok=True)

# ── State-specific underwriting rules ──────────────────────────────────────
STATE_RULES = {
    "FL": {"min_wind_deductible_pct": 2.0, "requires_flood_endorsement": True,
           "max_limit": 5_000_000, "surplus_lines_above": 3_000_000},
    "TX": {"requires_windstorm_exclusion_coast": True, "max_limit": 5_000_000},
    "CA": {"requires_earthquake_endorsement": False, "wildfire_exclusion_zones": True,
           "max_limit": 4_000_000},
    "LA": {"requires_flood_endorsement": True,  "max_limit": 3_000_000},
    "NY": {"requires_lead_paint_inspection": True, "max_limit": 6_000_000},
}

# ── Coverage type eligibility rules ───────────────────────────────────────
COVERAGE_ELIGIBILITY = {
    "HO-3": {"eligible_types": ["Single Family", "Townhouse"],          "min_credit": 580},
    "HO-5": {"eligible_types": ["Single Family", "Townhouse"],          "min_credit": 650},
    "HO-4": {"eligible_types": ["Condo Unit", "Multi-Family", "Single Family"], "min_credit": 560},  # renters
    "HO-6": {"eligible_types": ["Condo Unit"],                          "min_credit": 570},
    "DP-3": {"eligible_types": ["Single Family", "Multi-Family"],       "min_credit": 560},
    "DP-1": {"eligible_types": ["Single Family", "Multi-Family", "Vacation / Seasonal"], "min_credit": 540},
    "BOP":  {"eligible_types": ["Commercial Building"],                 "min_credit": 620},
    "FARM": {"eligible_types": ["Single Family", "Commercial Building"],"min_credit": 560},
    "WC-3": {"eligible_types": ["Single Family", "Vacation / Seasonal","Townhouse"], "min_credit": 560},
}

# ── Carrier portfolio load factors ────────────────────────────────────────
EXPECTED_LOSS_RATIO = {
    "HO-3": 0.58, "HO-5": 0.55, "HO-4": 0.45, "HO-6": 0.48,
    "DP-3": 0.62, "DP-1": 0.65, "BOP":  0.60, "FARM": 0.68, "WC-3": 0.70,
}
REINSURANCE_THRESHOLD = 2_000_000   # limits above this need re sign-off
DEDUCTIBLE_MAX_PCT    = 10.0        # deductible cannot exceed 10% of limit

# ─── FEATURE ENGINEERING ─────────────────────────────────────────────────────
def extract_uw_features(df: pd.DataFrame, risk_df: pd.DataFrame = None) -> pd.DataFrame:
    """
    Combine Bronze submission fields + Agent 2 peril scores into UW features.
    risk_df is the parsed Silver property-risk output (if available).
    """
    feats = pd.DataFrame()
    n     = len(df)

    # ── From Bronze ──
    feats["credit_score"]        = pd.to_numeric(df.get("credit_score", pd.Series([650]*n)), errors="coerce").fillna(650)
    feats["coverage_limit"]      = pd.to_numeric(df.get("requested_coverage_limit", pd.Series([300_000]*n)), errors="coerce").fillna(300_000)
    feats["deductible"]          = pd.to_numeric(df.get("requested_deductible", pd.Series([1_000]*n)), errors="coerce").fillna(1_000)
    feats["property_age"]        = (2024 - pd.to_numeric(df.get("year_built", pd.Series([1990]*n)), errors="coerce").fillna(1990)).clip(0, 150)
    feats["roof_age"]            = (2024 - pd.to_numeric(df.get("roof_year",  pd.Series([2010]*n)), errors="coerce").fillna(2010)).clip(0, 50)

    # Coverage type encoded
    cov_map  = {c: i for i, c in enumerate(COVERAGE_ELIGIBILITY.keys())}
    feats["coverage_type_enc"]   = df.get("coverage_type_code", pd.Series(["HO-3"]*n)).map(cov_map).fillna(0).astype(int)

    # ELR for selected coverage
    feats["expected_loss_ratio"] = df.get("coverage_type_code", pd.Series(["HO-3"]*n))\
                                      .map(EXPECTED_LOSS_RATIO).fillna(0.60)

    # Deductible as % of limit
    feats["deductible_pct"]      = (feats["deductible"] / feats["coverage_limit"].clip(lower=1) * 100).clip(0, 20)

    # Limit per sq-ft (over-insurance detector)
    sqft = pd.to_numeric(df.get("square_footage", pd.Series([1800]*n)), errors="coerce").fillna(1800).clip(500, 15000)
    feats["limit_per_sqft"]      = (feats["coverage_limit"] / sqft).clip(0, 2000)

    # ── From Agent 2 Silver (peril scores) ──
    if risk_df is not None:
        feats["wind_score"]      = pd.to_numeric(risk_df.get("wind_score",  pd.Series([30]*n)), errors="coerce").fillna(30)
        feats["flood_score"]     = pd.to_numeric(risk_df.get("flood_score", pd.Series([30]*n)), errors="coerce").fillna(30)
        feats["fire_score"]      = pd.to_numeric(risk_df.get("fire_score",  pd.Series([30]*n)), errors="coerce").fillna(30)
        feats["overall_risk"]    = pd.to_numeric(risk_df.get("overall_risk",pd.Series([30]*n)), errors="coerce").fillna(30)
    else:
        # Derive approximate peril scores from state when Silver not yet populated
        feats["wind_score"]  = pd.Series([30.0]*n)
        feats["flood_score"] = pd.Series([30.0]*n)
        feats["fire_score"]  = pd.Series([30.0]*n)
        feats["overall_risk"]= pd.Series([30.0]*n)

    # ── Derived UW signals ──
    feats["above_reinsurance_threshold"] = (feats["coverage_limit"] > REINSURANCE_THRESHOLD).astype(int)
    feats["excess_deductible"]           = (feats["deductible_pct"] > DEDUCTIBLE_MAX_PCT).astype(int)
    feats["old_roof_high_wind"]          = ((feats["roof_age"] > 20) & (feats["wind_score"] > 50)).astype(int)
    feats["combined_uw_risk"]            = (feats["overall_risk"] * (1 + feats["expected_loss_ratio"])).clip(0, 150)

    return feats

# ─── DATA LOADING ────────────────────────────────────────────────────────────
def load_bronze_uw_data() -> pd.DataFrame:
    print("Connecting to Bronze MySQL...")
    if SQLALCHEMY_AVAILABLE:
        _pwd = _qp(DB['password'])
        eng  = create_engine(
            f"mysql+pymysql://{DB['user']}:{_pwd}@{DB['host']}:{DB['port']}/{DB['database']}?charset=utf8mb4",
            pool_pre_ping=True, pool_recycle=280
        )
        conn = eng.connect()
    else:
        conn = mysql.connector.connect(**DB)
    query = f"""
        
        SELECT
            s.submission_id,
            s.coverage_type_code,
            s.requested_coverage_limit,
            s.requested_deductible,
            s.final_outcome,
            s.pipeline_status,
            s.halt_reason,
            s.raw_payload,
            pr.property_type,
            pr.construction_type,
            pr.year_built,
            pr.roof_year,
            pr.square_footage,
            pr.state_code
        FROM {T('bronze','submissions')}  s
        JOIN {T('bronze','properties')}   pr ON s.property_id = pr.property_id
        WHERE s.submitted_at BETWEEN '2024-01-01' AND '2024-12-31 23:59:59'
        ORDER BY s.submitted_at
    """
    df = pd.read_sql(query, conn)
    conn.close()
    print(f"  Loaded {len(df)} Bronze records")

    # Extract credit_score from JSON
    def get_credit(row):
        try:
            return json.loads(row["raw_payload"]).get("insured", {}).get("credit_score", 650)
        except Exception:
            return 650
    df["credit_score"] = df.apply(get_credit, axis=1)

    # ── UW training label strategy ──────────────────────────────────────────
    # In our Bronze data, all submissions that reached the UW step were APPROVED
    # (KYC declines and property declines stopped earlier). There are no UW_DECLINED
    # records in training data because the simulation didn't model UW-level declines.
    #
    # Strategy: Use the full dataset (all 500 records) as UW training universe.
    # Generate synthetic UW decline labels based on UW rules that WOULD have fired:
    #   - Roof age > 25 years                          → 0 (UW_DECLINED)
    #   - Frame construction + property age > 75 years → 0 (UW_DECLINED)
    #   - Deductible > 10% of limit                    → 0 (UW_DECLINED)
    #   - Coverage limit > $2M                         → 0 (UW_DECLINED / REFERRAL)
    #   - All others                                   → 1 (UW_APPROVED)
    #
    # This gives the model realistic positive/negative examples aligned with rules.

    df["roof_age"]      = 2024 - pd.to_numeric(df["roof_year"],  errors="coerce").fillna(2010)
    df["property_age"]  = 2024 - pd.to_numeric(df["year_built"], errors="coerce").fillna(1990)
    df["deductible_pct"] = df["requested_deductible"] / df["requested_coverage_limit"].clip(lower=1) * 100

    roof_fail     = df["roof_age"]      > 25
    frame_old     = (df["roof_age"] > 60) & (df["construction_type"] == "Frame")
    ded_excess    = df["deductible_pct"] > 10.0
    limit_excess  = df["requested_coverage_limit"] > 2_000_000

    df["uw_label"] = (~(roof_fail | frame_old | ded_excess | limit_excess)).astype(int)

    n_approved = df["uw_label"].sum()
    n_declined = (df["uw_label"] == 0).sum()
    print(f"  UW records: {len(df)} | APPROVED: {n_approved} | DECLINED (synthetic): {n_declined}")

    if n_declined == 0:
        # Absolute fallback: force ~15% decline rate on oldest-roof records
        roof_ages   = df["roof_age"].sort_values(ascending=False)
        decline_idx = roof_ages.head(int(len(df) * 0.15)).index
        df.loc[decline_idx, "uw_label"] = 0
        print(f"  Fallback labels applied — DECLINED: {(df['uw_label']==0).sum()}")

    return df

# ─── TRAINING ────────────────────────────────────────────────────────────────
def train_uw_model():
    print("\n" + "═"*60)
    print("AGENT 3 — Underwriting Model Training")
    print("═"*60)

    df   = load_bronze_uw_data()
    X    = extract_uw_features(df)
    y    = df["uw_label"]

    FEATURES = X.columns.tolist()
    print(f"\nFeatures ({len(FEATURES)}): {FEATURES}")

    X_train, X_test, y_train, y_test = train_test_split(
        X, y, test_size=0.2, stratify=y, random_state=42
    )

    model = xgb.XGBClassifier(
        n_estimators          = 300,
        max_depth             = 5,
        learning_rate         = 0.04,
        subsample             = 0.80,
        colsample_bytree      = 0.75,
        reg_alpha             = 0.1,
        reg_lambda            = 1.2,
        eval_metric           = "auc",
        early_stopping_rounds = 20,
        random_state          = 42,
        verbosity             = 0,
    )
    model.fit(X_train, y_train, eval_set=[(X_test, y_test)], verbose=False)

    y_prob = model.predict_proba(X_test)[:, 1]
    y_pred = model.predict(X_test)
    auc    = roc_auc_score(y_test, y_prob)

    print(f"\n  ROC-AUC : {auc:.4f}")
    print(f"  Gini    : {2*auc-1:.4f}")
    print("\n  Classification Report:")
    print(classification_report(y_test, y_pred, target_names=["UW_DECLINED", "UW_APPROVED"]))

    imp = pd.Series(model.feature_importances_, index=FEATURES).sort_values(ascending=False)
    print("\n  Top Feature Importances:")
    for feat, val in imp.head(8).items():
        print(f"    {feat:<35} {val:.4f}")

    artefact = {
        "model":      model,
        "features":   FEATURES,
        "thresholds": {"uw_approve_threshold": 0.50, "referral_band": (0.40, 0.65)},
        "trained_at": datetime.datetime.now().isoformat(),
        "version":    "1.0",
    }
    with open(MODEL_PATH, "wb") as f:
        pickle.dump(artefact, f)
    print(f"\n  Model saved → {MODEL_PATH}")
    return artefact

# ─── RULE ENGINE ─────────────────────────────────────────────────────────────
def apply_uw_rules(submission_json: dict, property_risk: dict) -> list:
    """
    Hard underwriting rules — checked BEFORE the ML model.
    Returns a list of rule-violation strings (empty = all rules passed).
    """
    violations = []
    prop    = submission_json.get("property", {})
    policy  = submission_json.get("policy_request", {})
    insured = submission_json.get("insured", {})

    limit      = float(policy.get("limit", 0) or 0)
    deductible = float(policy.get("deductible", 0) or 0)
    cov_type   = policy.get("coverage_type", "HO-3")
    prop_type  = prop.get("property_type", "Single Family")
    state      = prop.get("state", "XX").upper()
    credit     = float(insured.get("credit_score", 650) or 650)
    year_built = int(prop.get("year_built", 1990) or 1990)
    roof_year  = int(prop.get("roof_year", 2010) or 2010)
    roof_age   = 2024 - roof_year

    # ① Coverage-property type mismatch
    eligible = COVERAGE_ELIGIBILITY.get(cov_type, {})
    eligible_types = eligible.get("eligible_types", [])
    if eligible_types and prop_type not in eligible_types:
        violations.append(
            f"UW-RULE-01: {cov_type} is not eligible for property type '{prop_type}'. "
            f"Eligible types: {eligible_types}"
        )

    # ② Minimum credit for coverage type
    min_credit = eligible.get("min_credit", 550)
    if credit < min_credit:
        violations.append(
            f"UW-RULE-02: Credit score {credit:.0f} below minimum {min_credit} for {cov_type}"
        )

    # ③ Deductible exceeds 10% of coverage limit
    if limit > 0 and (deductible / limit * 100) > DEDUCTIBLE_MAX_PCT:
        violations.append(
            f"UW-RULE-03: Deductible ${deductible:,.0f} exceeds {DEDUCTIBLE_MAX_PCT}% "
            f"of coverage limit ${limit:,.0f}"
        )

    # ④ Reinsurance threshold
    if limit > REINSURANCE_THRESHOLD:
        violations.append(
            f"UW-RULE-04: Coverage limit ${limit:,.0f} exceeds reinsurance threshold "
            f"${REINSURANCE_THRESHOLD:,.0f}. Manual reinsurance sign-off required. → UW_REFERRAL"
        )

    # ⑤ Property age > 75 years with Frame construction
    if (2024 - year_built) > 75 and prop.get("construction_type") == "Frame":
        violations.append(
            f"UW-RULE-05: Frame construction property built {year_built} "
            f"({2024-year_built} years old) exceeds 75-year guideline"
        )

    # ⑥ Roof age > 25 years
    if roof_age > 25:
        violations.append(
            f"UW-RULE-06: Roof age {roof_age} years exceeds 25-year maximum. "
            f"Roof replacement or inspection report required."
        )

    # ⑦ State max limit check
    state_rules = STATE_RULES.get(state, {})
    state_max   = state_rules.get("max_limit", 10_000_000)
    if limit > state_max:
        violations.append(
            f"UW-RULE-07: Coverage limit ${limit:,.0f} exceeds {state} state maximum "
            f"${state_max:,.0f}"
        )

    # ⑧ High wind area with wood shake roof
    wind_score = property_risk.get("peril_scores", {}).get("wind_score", 0) if property_risk else 0
    if wind_score > 55 and prop.get("roof_type") == "Wood Shake":
        violations.append(
            f"UW-RULE-08: Wood Shake roof not eligible in high-wind zones "
            f"(wind score {wind_score:.0f}/100)"
        )

    return violations

# ─── INFERENCE ───────────────────────────────────────────────────────────────
def run_underwriting_agent(property_risk: dict, submission_json: dict) -> dict:
    """
    Parameters
    ----------
    property_risk   : dict  Output from Agent 2 (silver/property_risk/)
    submission_json : dict  Full Bronze JSON payload

    Returns
    -------
    dict  UW decision written to silver/uw_decisions/
    """
    sub_id = submission_json.get("submission_id", "UNKNOWN")

    # Guard: skip if property risk declined
    if property_risk.get("status") in ("RISK_DECLINED", "SKIPPED"):
        return {"submission_id": sub_id, "status": "SKIPPED",
                "skip_reason": "RISK_DECLINED — pipeline halted at Step 2"}

    # ── Rule engine (hard gates first) ──
    rule_violations = apply_uw_rules(submission_json, property_risk)

    # Separate referrals (reinsurance) from outright declines
    referrals = [v for v in rule_violations if "REFERRAL" in v]
    declines  = [v for v in rule_violations if "REFERRAL" not in v]

    if declines:
        return _build_uw_output(sub_id, "UW_DECLINED", declines[0], rule_violations,
                                 None, None, submission_json, property_risk)

    if referrals:
        return _build_uw_output(sub_id, "UW_REFERRAL", referrals[0], rule_violations,
                                 None, None, submission_json, property_risk)

    # ── ML model ──
    prop   = submission_json.get("property", {})
    policy = submission_json.get("policy_request", {})
    peril  = property_risk.get("peril_scores", {})

    row = pd.DataFrame([{
        "credit_score":           submission_json.get("insured", {}).get("credit_score", 650),
        "requested_coverage_limit": policy.get("limit", 300_000),
        "requested_deductible":   policy.get("deductible", 1_000),
        "coverage_type_code":     policy.get("coverage_type", "HO-3"),
        "year_built":             prop.get("year_built", 1990),
        "roof_year":              prop.get("roof_year",  2010),
        "square_footage":         prop.get("square_footage", 1800),
    }])
    risk_row = pd.DataFrame([peril]) if peril else None

    feats = extract_uw_features(row, risk_row)

    try:
        with open(MODEL_PATH, "rb") as f:
            art = pickle.load(f)
        uw_prob = float(art["model"].predict_proba(feats[art["features"]])[0, 1])
        thres   = art["thresholds"]["uw_approve_threshold"]
        ref_lo, ref_hi = art["thresholds"]["referral_band"]
    except FileNotFoundError:
        uw_prob, thres, ref_lo, ref_hi = 0.80, 0.50, 0.40, 0.65

    if uw_prob >= thres:
        return _build_uw_output(sub_id, "UW_APPROVED", None, [], uw_prob, thres,
                                 submission_json, property_risk)
    elif ref_lo <= uw_prob < thres:
        return _build_uw_output(sub_id, "UW_REFERRAL",
                                 f"ML-UW-009 — Model probability {uw_prob:.2%} in referral band. Manual review required.",
                                 [], uw_prob, thres, submission_json, property_risk)
    else:
        return _build_uw_output(sub_id, "UW_DECLINED",
                                 f"ML-UW-010 — Underwriting model probability {uw_prob:.2%} below threshold {thres:.0%}",
                                 [], uw_prob, thres, submission_json, property_risk)

def _build_uw_output(sub_id, status, primary_reason, all_violations, uw_prob, threshold,
                      submission_json, property_risk):
    policy = submission_json.get("policy_request", {}) if submission_json else {}
    cov    = policy.get("coverage_type", "HO-3")
    output = {
        "submission_id":        sub_id,
        "agent":                "Underwriting_Agent",
        "step":                 3,
        "status":               status,         # UW_APPROVED | UW_DECLINED | UW_REFERRAL
        "decision":             "APPROVE" if status == "UW_APPROVED" else ("REFERRAL" if "REFERRAL" in status else "DECLINE"),
        "primary_decline_reason": primary_reason,
        "all_rule_violations":  all_violations,
        "uw_approval_probability": round(uw_prob, 4) if uw_prob is not None else None,
        "decision_threshold":   threshold,
        "coverage_type":        cov,
        "expected_loss_ratio":  EXPECTED_LOSS_RATIO.get(cov, 0.60),
        "reinsurance_required": float(policy.get("limit", 0) or 0) > REINSURANCE_THRESHOLD,
        "processed_at":         datetime.datetime.now().isoformat(),
        "next_step":            "ML_Pricing_Agent" if status == "UW_APPROVED" else "PIPELINE_HALTED",
        "s3_output_uri":        f"s3://pcins-silver/uw_decisions/{sub_id}_uw.json",
    }
    out_file = SILVER_OUT / f"{sub_id}_uw.json"
    with open(out_file, "w") as f:
        json.dump(output, f, indent=2)
    return output

# ─── MAIN ────────────────────────────────────────────────────────────────────
if __name__ == "__main__":
    train_uw_model()

    print("\n" + "─"*60)
    print("SMOKE TESTS")
    print("─"*60)

    prop_risk_pass = {"status": "RISK_ACCEPTABLE", "risk_band": "LOW",
                      "peril_scores": {"wind_score": 30, "flood_score": 25, "fire_score": 20, "overall_risk": 28}}

    tests = [
        {   # Should APPROVE — clean profile
            "sub": {"submission_id": "SUB-TEST-001", "insured": {"credit_score": 760},
                    "property": {"state": "PA", "property_type": "Single Family",
                                 "construction_type": "Masonry", "roof_type": "Tile",
                                 "year_built": 2005, "roof_year": 2005, "square_footage": 2200},
                    "policy_request": {"coverage_type": "HO-3", "limit": 380_000, "deductible": 2_500}},
        },
        {   # Should DECLINE — roof age 32 years
            "sub": {"submission_id": "SUB-TEST-002", "insured": {"credit_score": 680},
                    "property": {"state": "TX", "property_type": "Single Family",
                                 "construction_type": "Frame", "roof_type": "Asphalt Shingles",
                                 "year_built": 1960, "roof_year": 1992, "square_footage": 1600},
                    "policy_request": {"coverage_type": "HO-3", "limit": 220_000, "deductible": 1_500}},
        },
        {   # Should REFERRAL — above reinsurance threshold
            "sub": {"submission_id": "SUB-TEST-003", "insured": {"credit_score": 810},
                    "property": {"state": "NY", "property_type": "Single Family",
                                 "construction_type": "Masonry", "roof_type": "Slate",
                                 "year_built": 2018, "roof_year": 2018, "square_footage": 6000},
                    "policy_request": {"coverage_type": "HO-5", "limit": 3_500_000, "deductible": 10_000}},
        },
    ]

    for t in tests:
        r = run_underwriting_agent(prop_risk_pass, t["sub"])
        print(f"  {t['sub']['submission_id']} | {t['sub']['policy_request']['coverage_type']} "
              f"| Limit ${t['sub']['policy_request']['limit']:,.0f} "
              f"→ {r['status']}  {r['primary_decline_reason'] or ''}")