v0.15.4: risk_agent plain_verdict empty for zh + ar — language fix

v0.15.3: make non-English dossiers actually work end-to-end

v0.15.2: detect commercial properties, skip homeowner advice

v0.15: dual-mode (Cloud + Edge) + expert-briefing dossier reframe

v0.14: regional_risk_agent — FEMA NRI multi-hazard at county level

v0.13: Tier-1 multi-city expansion — Chicago + NYC + SF + LA + Austin

v0.12: building permits as flood-risk leading indicator (Chicago)

v0.11: dedicated satellite-analysis agent with bbox detection

v0.10: 3-image multimodal — satellite + wider-area + street view in one Gemma 4 call

v0.9: multimodal risk analyst — vision + reasoning + 6 data sources in one Gemma 4 call

v0.8: Gemma 4 bounding-box detection on Street View

feature: streetview agent — multimodal Gemma 4 vision

feature: multi-language dossier (es, zh, vi, ht, ar, tl)

rename FloodIQ → FlutIQ across the codebase

advisor: stop inventing insurance products — drive from a verified catalog

backend: full 7-agent pipeline working end-to-end

backend: vertical slice — geocoder + FEMA agent + SSE end-to-end