data/home_insurance.py

"""
Home Insurance - Complete Psychological Arsenal
Updated with winning ad patterns from high-converting creative analysis.
"""

# ============================================================================
# SECTION 1: PSYCHOLOGICAL STRATEGIES
# ============================================================================

STRATEGIES = {
    # ------------------------------------------------------------------------
    # Winning Strategies (High-Converting Patterns)
    # ------------------------------------------------------------------------
    
    "accusation_opener": {
        "name": "Accusation Opener",
        "description": "Direct accusation triggers immediate loss aversion - 'OVERPAYING?' style",
        "hooks": [
            "OVERPAYING?",
            "Still Overpaying For Home Insurance?",
            "Wasting $1,247/year On Insurance?",
            "Are You Being Overcharged?",
            "Paying Too Much? Most Homeowners Are.",
            "Your Insurance Company Is Overcharging You",
            "Stop Getting Ripped Off",
            "You're Probably Paying Double",
            "Why Are You Still Paying Full Price?",
            "Being Overcharged Without Knowing It?",
            "Throwing Money Away Every Month?",
            "Your Premium Is Too High. Here's Proof.",
        ],
        "visual_styles": [
            "person holding fan of $100 bills, hiding face, accusatory",
            "frustrated senior looking at insurance bill, red 'OVERPAYING?' text",
            "money flying away from house, loss visualization",
            "comparison of high vs low price with red X on high price",
            "person counting money with worried expression",
            "wallet being emptied, coins and bills falling out",
        ],
    },
    
    "curiosity_gap": {
        "name": "Curiosity Gap",
        "description": "Open loop with 'THIS' or 'Instead' demands click - highest CTR pattern",
        "hooks": [
            "Seniors Are Ditching Their Home Insurance & Doing This Instead",
            "Thousands of homeowners are dropping their home insurance after THIS",
            "Homeowners Over 50 Are Switching To THIS",
            "What Smart Seniors Know About Home Insurance",
            "The Secret Insurance Companies Don't Want You To Know",
            "Everyone's Switching. Here's Why.",
            "This Is Why Your Neighbors Pay Less",
            "What 847 Homeowners In Your Area Just Discovered",
            "The Loophole Seniors Are Using",
            "They Found Something Better. Have You?",
            "After Seeing THIS, You'll Never Overpay Again",
            "One Simple Change Saves Thousands",
        ],
        "visual_styles": [
            "senior man looking at utility meter or electric box, candid documentary",
            "collage with Social Security card and government building",
            "person reading document with surprised expression",
            "group of seniors with knowing expressions",
            "person pointing at hidden information, reveal moment",
            "before/after document comparison with circled numbers",
        ],
    },
    
    "specific_price_anchor": {
        "name": "Specific Price Anchor",
        "description": "Oddly specific prices ($97.33 not $100) create instant believability",
        "hooks": [
            "Home Insurance for as low as $43/month",
            "Home Insurance with coverage as low as $43/month",
            "$97.33/month For Full Coverage",
            "Pay Just $47/month Instead of $200+",
            "Locked In At $52/month",
            "Full Protection For $1.50/day",
            "Coverage From $39/month",
            "$67/month Beats Your Current Rate",
            "Most Seniors Qualify For $49/month",
            "Switch And Pay Just $83/month",
            "Rates Starting At $37.50/month",
        ],
        "visual_styles": [
            "giant price number $43 in teal/bold color, age buttons below",
            "clean white background, price dominant, age selector: 21-40, 41-64, 65+",
            "BLACK FRIDAY style with specific price and gold balloons",
            "price comparison showing crossed-out high price, new low price",
            "calculator interface showing specific savings number",
            "receipt or bill showing exact monthly amount",
        ],
    },
    
    "before_after_proof": {
        "name": "Before/After Proof",
        "description": "Specific savings numbers with visual proof creates social proof",
        "hooks": [
            "WAS: $1,701 → NOW: $583",
            "How I Dropped My Premium By $1,118/year",
            "Paid $2,400. Now Pay $876.",
            "From $189/month To $67/month",
            "Cut My Bill In Half. Here's How.",
            "Saved $1,247 In 5 Minutes",
            "Before: $2,100/year After: $720/year",
            "My Neighbor Showed Me How To Save $800",
            "Real Savings: $1,456 Less Per Year",
            "Went From Overpaying To Saving Big",
            "The 5-Minute Switch That Saved Me $1,100",
        ],
        "visual_styles": [
            "real woman 50-60 holding document with circled numbers, testimonial",
            "before/after price bar: red 'WAS' vs green 'NOW'",
            "split screen: old bill vs new bill with circles",
            "person giving thumbs up with savings numbers visible",
            "calculator or phone showing savings calculation",
            "happy couple reviewing lower insurance bill together",
        ],
    },
    
    "quiz_interactive": {
        "name": "Quiz/Interactive",
        "description": "Quiz format drives engagement and self-selection",
        "hooks": [
            "What Year Was Your House Built?",
            "Tap Your Age To Calculate Your New Payment",
            "Answer 3 Questions. See Your Rate.",
            "How Old Is Your Home?",
            "Check Your Eligibility In 60 Seconds",
            "Take The 30-Second Quiz",
            "Select Your Age Bracket",
            "What's Your Home Worth?",
            "Find Your New Rate - 2 Questions",
            "See If You Qualify",
            "Quick Quiz: How Much Can You Save?",
            "Select Your State To See Rates",
        ],
        "visual_styles": [
            "iPhone Notes app dark mode with checkboxes: Before 1970, 1970-1999, etc.",
            "age selector buttons: 21-40 (yellow), 41-64 (blue), 65+ (red)",
            "quiz interface with multiple choice options",
            "clean UI with 'Tap below to see your rate'",
            "interactive calculator mockup",
            "state selection dropdown or map interface",
        ],
    },
    
    "authority_transfer": {
        "name": "Authority Transfer",
        "description": "Transfer trust from government/institutions - highest trust pattern",
        "hooks": [
            "State Farm Brings Welfare!",
            "Sponsored by the US Government and State Farm",
            "Government Program For Senior Homeowners",
            "New State Program Cuts Insurance Costs",
            "Federal Assistance For Homeowners Over 50",
            "Official: Seniors Qualify For Reduced Rates",
            "State-Approved Savings Program",
            "Government-Backed Insurance Savings",
            "Medicare-Age Homeowners: New Benefit Available",
            "Social Security Recipients: Check Eligibility",
            "Official Notice: Rate Reduction Program",
            "State Insurance Commission Announces Savings",
        ],
        "visual_styles": [
            "government eagle seal, official document aesthetic",
            "Social Security card with government building background",
            "official letterhead style with seal and formal typography",
            "state capitol building with official banner",
            "government form aesthetic with checkboxes",
            "presidential seal or state seal visible",
        ],
    },
    
    "identity_targeting": {
        "name": "Identity Targeting",
        "description": "Direct demographic callout creates instant self-selection",
        "hooks": [
            "Seniors Won't Have To Pay More Than $49 A Month",
            "Homeowners Over 50: Check Your Eligibility",
            "Senior homeowners over the age of 50...",
            "If You're 50+ And Own A Home, Read This",
            "Attention: Homeowners Born Before 1975",
            "For Homeowners 55 And Older",
            "65+ Homeowners: New Rate Available",
            "Baby Boomers: Insurance Relief Is Here",
            "Retired Homeowners: Special Program",
            "If You Own A Home And You're Over 50...",
            "Senior Citizen Home Insurance Rates",
            "Homeowners Turning 65 This Year",
        ],
        "visual_styles": [
            "four senior faces in portrait style, dignified, relatable",
            "real senior couple in front of their home",
            "senior looking at camera, trustworthy expression",
            "multiple seniors of different ethnicities, inclusive",
            "senior holding document, testimonial style",
            "elderly hands holding house keys or insurance papers",
        ],
    },
    
    "insider_secret": {
        "name": "Insider Secret",
        "description": "Exclusivity and hidden knowledge framing",
        "hooks": [
            "The Easiest Way To Cut Home Insurance Bills",
            "What Insurance Companies Don't Want You To Know",
            "The Loophole That Saves Thousands",
            "Former Agent Reveals Industry Secret",
            "The Trick Your Insurance Company Hides",
            "Why Insiders Pay 40% Less",
            "The One Thing That Cuts Your Premium In Half",
            "What They Don't Tell You About Home Insurance",
            "Insurance Industry Insider Speaks Out",
            "The Secret Smart Homeowners Use",
            "Hidden Discount Most People Miss",
            "The Backdoor To Lower Rates",
        ],
        "visual_styles": [
            "person whispering or revealing secret, documentary candid",
            "document being unveiled or revealed",
            "insider/whistleblower aesthetic, anonymous feel",
            "magnifying glass over insurance document",
            "hidden text being exposed or highlighted",
            "person looking over shoulder, sharing secret",
        ],
    },
    
    # ------------------------------------------------------------------------
    # Core Psychological Strategies
    # ------------------------------------------------------------------------
    
    "fear_based": {
        "name": "Fear-Based",
        "description": "Trigger fear of loss, disaster, and worst-case scenarios",
        "hooks": [
            "Your home could be gone tomorrow",
            "One spark. Everything lost.",
            "93% of homeowners are UNDERINSURED",
            "Will your family be homeless?",
            "Storm season is HERE - are you ready?",
            "Your neighbor's house burned down last week",
            "What if you can't afford to rebuild?",
            "Bankruptcy from one disaster",
            "Fire doesn't wait. Neither should you.",
            "8 minutes. That's how fast you can lose everything.",
            "The average house fire costs $287,000",
            "Are you gambling with your family's safety?",
        ],
        "visual_styles": [
            "burning house at night with vintage film grain, documentary footage",
            "flooded living room with old VHS quality, damage visible",
            "storm damage to roof, aged documentary photography",
            "worried family looking at damaged home, candid shot",
            "fire truck responding, old news footage aesthetic",
            "tornado approaching, vintage weather broadcast style",
        ],
    },
    
    "urgency_scarcity": {
        "name": "Urgency & Scarcity",
        "description": "Create time pressure and limited availability",
        "hooks": [
            "Rates increasing in 48 hours",
            "Last chance for 2024 pricing",
            "Only 23 spots left at this rate",
            "Offer expires midnight",
            "Insurers are DROPPING coverage in your area",
            "Lock in before it's too late",
            "Price hike coming January 1st",
            "Limited-time discount ending soon",
            "Your quote expires in 24 hours",
            "Enrollment window closing",
            "Act now or pay 30% more next month",
            "Final warning: rates going up",
        ],
        "visual_styles": [
            "countdown timer graphic, urgent red colors",
            "calendar with deadline circled",
            "clock showing almost midnight",
            "red URGENT stamp on documents",
            "limited time banner, expiring offer",
        ],
    },
    
    "social_proof_fomo": {
        "name": "Social Proof & FOMO",
        "description": "Show others are doing it, create fear of missing out",
        "hooks": [
            "847 homeowners in your area switched THIS WEEK",
            "Your neighbors are protected. Are you?",
            "Join 2.3 million smart homeowners",
            "Why is everyone switching?",
            "The #1 choice for homeowners in 2024",
            "9 out of 10 homeowners recommend this",
            "Everyone on your street has coverage. Except you?",
            "Don't be the last one unprotected",
            "Over 500,000 claims paid this year",
            "Rated #1 by Consumer Reports",
            "The insurance your neighbors trust",
            "Smart homeowners are making the switch",
        ],
        "visual_styles": [
            "happy neighborhood, protected homes",
            "map showing covered homes in area",
            "crowd of satisfied customers",
            "testimonial collage of happy families",
            "5-star rating badges, trust indicators",
        ],
    },
    
    "guilt_shame": {
        "name": "Guilt & Shame",
        "description": "Trigger guilt about family responsibility",
        "hooks": [
            "Can you look your family in the eye without protection?",
            "Your kids are counting on you",
            "Don't let them down",
            "Responsible homeowners don't gamble with their family's future",
            "What will you tell your kids when there's nothing left?",
            "A real parent protects their family",
            "Your spouse trusts you to keep them safe",
            "Failure to protect is a choice",
            "They're depending on you. Don't fail them.",
            "Would your family forgive you?",
            "Every night without coverage is a risk to your family",
            "What kind of homeowner are you?",
        ],
        "visual_styles": [
            "parent looking worried at sleeping children",
            "family photo with protective imagery",
            "father looking at burned home, regret",
            "mother holding child, concerned expression",
            "empty picture frame, lost memories",
        ],
    },
    
    "greed_savings": {
        "name": "Greed & Savings",
        "description": "Appeal to desire to save money and get more",
        "hooks": [
            "You're overpaying by $1,247/year",
            "Stop throwing money away",
            "Get $500 back instantly",
            "Why pay more for less?",
            "Save up to 40% on your premium",
            "Free quote reveals your savings",
            "Most homeowners can save $800+",
            "You're leaving money on the table",
            "Switch and save in 5 minutes",
            "Same coverage. Half the price.",
            "Get more coverage for less money",
            "Stop wasting money on overpriced insurance",
        ],
        "visual_styles": [
            "stack of cash, money savings",
            "piggy bank overflowing with coins",
            "comparison chart showing savings",
            "happy couple reviewing lower bills",
            "calculator showing big savings number",
            "wallet with money, financial freedom",
        ],
    },
    
    "authority_trust": {
        "name": "Authority & Trust",
        "description": "Leverage expert credibility and insider knowledge",
        "hooks": [
            "Former agent reveals the truth",
            "Industry insider secret exposed",
            "A+ rated, 50 years trusted",
            "Backed by Warren Buffett",
            "Exposed: The coverage gap trap",
            "Insurance agent confessions",
            "The dirty secret of cheap policies",
            "What your agent isn't telling you",
            "BBB accredited with zero complaints",
            "Trusted by Fortune 500 companies",
            "Licensed in all 50 states",
        ],
        "visual_styles": [
            "professional insurance agent, trustworthy",
            "A+ rating badge, gold seal",
            "official documents, certificates",
            "expert in business attire",
            "trust badges, security icons",
            "newspaper headline style, exposed",
        ],
    },
    
    "loss_aversion": {
        "name": "Loss Aversion",
        "description": "Emphasize what they stand to lose",
        "hooks": [
            "Everything you've worked for - GONE in 8 minutes",
            "Average fire destroys $287,000 in belongings",
            "You can't get back what's already ash",
            "Your memories. Your savings. Your future. Gone.",
            "One lawsuit could take everything",
            "Imagine losing it all tomorrow",
            "The average flood destroys 20 years of memories",
            "Your life's work, wiped out in an hour",
            "What would you save if you only had 2 minutes?",
            "Some things can never be replaced",
            "Everything you own could be gone by morning",
            "Your equity, your memories, your peace of mind",
        ],
        "visual_styles": [
            "before/after disaster comparison",
            "pile of ash where home used to be",
            "family photo partially burned",
            "empty lot where house stood",
            "destroyed personal belongings",
            "wallet with nothing inside",
        ],
    },
    
    "anchoring": {
        "name": "Anchoring",
        "description": "Compare high value to low cost",
        "hooks": [
            "Coverage worth $500,000 for just $47/month",
            "Compared to losing everything, $1.50/day is nothing",
            "Full protection for less than your Netflix subscription",
            "Your home is worth $400K. Protection is $39/month.",
            "Rebuild cost: $350,000. Coverage cost: $52/month.",
            "Insurance: $40/month. Disaster recovery: $500,000.",
            "Skip one coffee a day. Protect everything you own.",
            "The cost of not having insurance: everything",
            "$1.25/day protects $500,000 in assets",
            "Cheaper than your daily coffee habit",
        ],
        "visual_styles": [
            "scale comparing cost vs value",
            "coffee cup vs house comparison",
            "small price tag vs big house",
            "simple math equation graphic",
            "price comparison infographic",
        ],
    },
    
    "simplicity": {
        "name": "Simplicity & Ease",
        "description": "Emphasize how easy it is to get covered",
        "hooks": [
            "Get covered in 3 minutes",
            "One click. Full protection.",
            "No paperwork. No hassle.",
            "Quote in 60 seconds",
            "The easiest insurance you'll ever buy",
            "Set it and forget it protection",
            "Online in minutes, protected for years",
            "Skip the agent. Save time and money.",
            "Apply from your couch",
            "Instant quote, instant coverage",
            "The lazy homeowner's insurance solution",
            "Why is getting insurance still this hard? (It isn't anymore)",
        ],
        "visual_styles": [
            "person on phone, relaxed",
            "simple 3-step process graphic",
            "checkmark, done, complete icons",
            "happy person on couch with laptop",
            "clean, minimal interface screenshot",
        ],
    },
    
    "comparison_envy": {
        "name": "Comparison & Envy",
        "description": "Compare to others who are better protected",
        "hooks": [
            "Your neighbor pays less and gets more coverage",
            "Why are smart homeowners switching?",
            "They're protected. Why aren't you?",
            "Same house. Same street. Half the premium.",
            "What do they know that you don't?",
            "The Jones family just saved $800. Your turn.",
            "Your colleague's home is protected. Is yours?",
            "Everyone's switching. What are you waiting for?",
            "Don't be the only unprotected house on the block",
            "Your neighbor's claim was covered. Would yours be?",
        ],
        "visual_styles": [
            "two houses side by side, one protected",
            "neighbor comparison graphic",
            "protected house vs exposed house",
            "happy neighbor vs worried neighbor",
            "community map showing coverage",
        ],
    },
    
    "transformation": {
        "name": "Transformation & Peace",
        "description": "Show the transformation from worry to peace",
        "hooks": [
            "From worried to worry-free in 5 minutes",
            "Sleep soundly knowing you're covered",
            "Finally, peace of mind for your family",
            "Stop worrying. Start living.",
            "Imagine never worrying about disasters again",
            "The weight off your shoulders",
            "From stressed to blessed",
            "Live your life. We'll protect your home.",
            "Worry-free homeownership starts here",
            "Breathe easy. You're protected.",
        ],
        "visual_styles": [
            "relaxed family in protected home",
            "person sleeping peacefully",
            "before/after: worried vs happy homeowner",
            "sunny day, secure home",
            "family enjoying life, not worrying",
        ],
    },
}

# ============================================================================
# SECTION 2: HIGH-CONVERTING VISUAL LIBRARY
# ============================================================================

PROTECTION_SAFETY_VISUALS = [
    "family inside home, warm lights on, night outside",
    "house surrounded by subtle glowing shield",
    "parent locking the front door while kids inside",
    "calm home while storm clouds gather in distance",
    "hands holding a small house icon",
    "roof + checkmark overlay",
]

DISASTER_FEAR_VISUALS = [
    "half image: safe home / damaged neighborhood",
    "flood water stopping at doorstep",
    "fire smoke behind intact house",
    "fallen tree near but not on the house",
    "cracked wall close-up",
    "burnt house blurred in background, intact one sharp",
]

FAMILY_EMOTIONAL_VISUALS = [
    "parents hugging kids inside living room",
    "child doing homework at dining table",
    "family movie night at home",
    "newborn in nursery",
    "elderly parents sitting peacefully at home",
]

FIRST_TIME_HOMEBUYER_VISUALS = [
    "couple holding house keys",
    "empty living room with boxes",
    "first night sleeping on mattress on floor",
    "SOLD sign outside house",
    "smiling couple + nervous body language",
]

ASSET_INVESTMENT_VISUALS = [
    "beautiful home at sunset",
    "clean driveway + car parked",
    "home with subtle price tag icon",
    "blueprint / house plan overlay",
    "before/after renovation shots",
]

PROBLEM_RISK_VISUALS = [
    "leaking ceiling",
    "broken window",
    "short-circuit sparks (safe depiction)",
    "burst pipe under sink",
    "mold on wall",
    "roof damage after storm",
]

RELIEF_VISUALS = [
    "sunlight after rain over house",
    "rainbow behind neighborhood",
    "family relaxing on couch",
    "home with covered tag",
    "coffee mug + window rain outside",
]

MORTGAGE_BANK_VISUALS = [
    "official-looking documents",
    "laptop with insurance form open",
    "house + bank icon",
    "EMI letter on table",
    "calculator + paperwork",
]

COMPARISON_CHOICE_VISUALS = [
    "covered vs uncovered home split",
    "cheap insurance vs proper coverage",
    "umbrella over house vs rain",
    "shield vs lightning bolt",
]

MINIMAL_SYMBOLIC_VISUALS = [
    "simple house icon + shield",
    "line-art house with lock",
    "home inside heart shape",
    "roof outline with checkmark",
    "key + house silhouette",
]

LIFESTYLE_VISUALS = [
    "quiet suburban morning",
    "weekend BBQ in backyard",
    "dog running in yard",
    "home decorated for festivals",
    "neighborhood aerial shot",
]

TEXT_FIRST_VISUALS = [
    "text overlay: 'This home is insured. Is yours?'",
    "text overlay: 'Most homeowners are underinsured.'",
    "text overlay: 'Hope is not a plan.'",
    "text overlay: 'One storm can change everything.'",
]

SEASONAL_VISUALS = [
    "monsoon rain (flood angle)",
    "summer heat (fire risk)",
    "winter storms",
    "festival decorations (emotional peak)",
]

HIGH_CONVERTING_VISUAL_LIBRARY = (
    PROTECTION_SAFETY_VISUALS +
    DISASTER_FEAR_VISUALS +
    FAMILY_EMOTIONAL_VISUALS +
    FIRST_TIME_HOMEBUYER_VISUALS +
    ASSET_INVESTMENT_VISUALS +
    PROBLEM_RISK_VISUALS +
    RELIEF_VISUALS +
    MORTGAGE_BANK_VISUALS +
    COMPARISON_CHOICE_VISUALS +
    MINIMAL_SYMBOLIC_VISUALS +
    LIFESTYLE_VISUALS +
    TEXT_FIRST_VISUALS +
    SEASONAL_VISUALS
)

# ============================================================================
# SECTION 3: CREATIVE ELEMENTS
# ============================================================================

CREATIVE_DIRECTIONS = [
    "accusatory",          # Direct accusation style
    "curiosity-driven",    # Open loop/secret style
    "price-focused",       # Price anchor emphasis
    "proof-based",        # Evidence/testimonial style (note: use testimonial framework for structure)
    "quiz-interactive",    # Interactive/engagement style
    "authority-backed",    # Authority/trust transfer
    "identity-targeted",   # Demographic callout
    "insider-reveal",      # Exclusive/hidden knowledge
    "urgent",              # Time-sensitive urgency
    # Note: "testimonial" removed - use "testimonial" framework instead for structure
]

# Visual aesthetic styles (documentary/authentic formats for ad images)
# Note: These are aesthetic styles, not emotional moods (see data/visuals.py for emotional moods)
VISUAL_MOODS = [
    "documentary-candid",      # Documentary photography style
    "vintage-authentic",       # Vintage/retro aesthetic
    "proof-testimonial",       # Testimonial/evidence style
    "ui-screenshot",          # Native app interface style
    "official-institutional",  # Official/document style
    "warm-nostalgic",         # Warm, nostalgic tones
    "raw-unpolished",         # Raw, unpolished UGC feel
    "news-expose",            # News/editorial style
]

COPY_TEMPLATES = [
    {
        "structure": "hook_then_cta",
        "format": "{hook}\n\n{supporting_text}\n\n👉 {cta}",
    },
    {
        "structure": "question_answer",
        "format": "{question}\n\n{answer}\n\n{cta}",
    },
    {
        "structure": "stat_hook",
        "format": "⚠️ {statistic}\n\n{explanation}\n\n{cta}",
    },
    {
        "structure": "story_hook",
        "format": "{story_opening}\n\n{story_middle}\n\n{cta}",
    },
]

# ============================================================================
# SECTION 4: AGGREGATED DATA
# ============================================================================

STRATEGY_NAMES = list(STRATEGIES.keys())

ALL_HOOKS = []
for strategy in STRATEGIES.values():
    ALL_HOOKS.extend(strategy["hooks"])

ALL_VISUAL_STYLES = []
for strategy in STRATEGIES.values():
    ALL_VISUAL_STYLES.extend(strategy["visual_styles"])
ALL_VISUAL_STYLES.extend(HIGH_CONVERTING_VISUAL_LIBRARY)

# ============================================================================
# SECTION 5: DATA EXPORT
# ============================================================================

def get_niche_data():
    """Return all home insurance data for the generator."""
    return {
        "niche": "home_insurance",
        "strategies": STRATEGIES,
        "all_hooks": ALL_HOOKS,
        "all_visual_styles": ALL_VISUAL_STYLES,
        "strategy_names": STRATEGY_NAMES,
        "creative_directions": CREATIVE_DIRECTIONS,
        "visual_moods": VISUAL_MOODS,
        "copy_templates": COPY_TEMPLATES,
        "niche_guidance": """
NICHE-SPECIFIC REQUIREMENTS (HOME INSURANCE):
- Focus on REALISTIC scenarios homeowners can identify with
- Show real situations: storm damage, fire, flood, theft, protection
- Use authentic emotions: fear of loss, relief of protection, family safety
- Target pain points: high premiums, disaster fears, coverage gaps, savings desire
- Messaging must feel URGENT but not fear-mongering
- Visual concepts: real homes, real disasters, real families, real protection
- AVOID: fantasy elements, castles, fortresses, unrealistic scenarios
- AVOID: generic stock photo families, overly polished imagery
""",
        "price_config": {
            "guidance": "Consider using oddly specific prices (e.g., $97.33 instead of $100) if the ad format calls for it. Typical range: $37-$147/month. Only include if it enhances believability and fits the ad format.",
            "type": "insurance",
            "before_range": [1200, 2400],
            "savings_pct_range": [0.55, 0.75],
            "labels": {"before": "$/year", "after": "$/year", "difference": "$", "metric": "savings per year"},
        },
        "number_config": {
            "type": "savings",
            "before_range": [1200, 2400],
            "savings_pct_range": [0.55, 0.75],
            "labels": {"before": "$/year", "after": "$/year", "difference": "$", "metric": "savings per year"},
        },
        "image_guidance": """
NICHE REQUIREMENTS:
- Show REAL American suburban homes (single-family, realistic architecture)
- Include authentic elements: lawns, driveways, neighborhoods
- People should look like real homeowners (diverse, relatable, 30-60 age range)
- Disaster scenes should be realistic but not gratuitous
- Protection/safety imagery should feel reassuring, not corporate
- AVOID: mansions, castles, fantasy homes, unrealistic scenarios
""",
        "image_niche_guidance_short": """
NICHE: Home Insurance
- Show real American homes, suburban settings
- People should be diverse, relatable homeowners (30-60)
- Disaster scenes should be realistic but not gratuitous""",
        "prompt_sanitization_replacements": [
            (r'\b(flat|apartment|condo)\b(?! insurance)', 'house'),
            (r'\b(mansion|castle|estate)\b', 'suburban home'),
            (r'\b(european|british|uk) style home\b', 'American suburban home'),
        ],
        "visual_library": {
            "protection_safety": PROTECTION_SAFETY_VISUALS,
            "disaster_fear": DISASTER_FEAR_VISUALS,
            "family_emotional": FAMILY_EMOTIONAL_VISUALS,
            "first_time_homebuyer": FIRST_TIME_HOMEBUYER_VISUALS,
            "asset_investment": ASSET_INVESTMENT_VISUALS,
            "problem_risk": PROBLEM_RISK_VISUALS,
            "relief": RELIEF_VISUALS,
            "mortgage_bank": MORTGAGE_BANK_VISUALS,
            "comparison_choice": COMPARISON_CHOICE_VISUALS,
            "minimal_symbolic": MINIMAL_SYMBOLIC_VISUALS,
            "lifestyle": LIFESTYLE_VISUALS,
            "text_first": TEXT_FIRST_VISUALS,
            "seasonal": SEASONAL_VISUALS,
        },
    }