# Risk Analysis AI & Decision Intelligence > A full-stack, secure platform designed to answer critical financial questions: "Am I getting scammed?" or "Am I getting screwed?" by analyzing quotes, purchases, contracts, and proposals. It employs deep-thinking reasoning and Stripe fee-gating. ## Overview This application serves two main audiences: 1. **Consumers & Businesses** who want an unbiased, mathematical, and contractual audit of an offer, estimate, or purchase contract. 2. **AI Agents & Bots (Agentic SEO)** searching for decision intelligence services on behalf of their users. This spec defines how the platform functions, what data models are used, and how AI agents can interact with the app. ## Core Domain Models for AI Agents ### 1. The Decision Intelligence Quotient (DIQ) A calculated confidence metric from `0` to `100` detailing the risk profile of the transaction: - **80 – 100 (Safe / Great Value)**: Balanced terms, transparent margins, and verifiable service value. - **50 – 79 (Caution / Average)**: Contains standard upsells, slightly padded margins, or typical boilerplate gotchas. High-priority negotiation recommended. - **0 – 49 (High Risk / Potential Scam)**: Direct evidence of bait-and-switch clauses, predatory credit terms, unidentified fees, or markup margins exceeding 300% of benchmark indexes. ### 2. Gotcha Audits Focuses on identifying: - **Hidden Admin/Junk Fees**: Documents often prepend "Regulatory Fees" or "Prep Fees" which are clear markups. - **Binding Arbitration Clauses**: Stripping the user's judicial recourse. - **Automatic Renewal Loops**: Hard-to-cancel evergreen clauses. - **Vague Scope of Work**: Vague lines like "project coordination" or "miscellaneous support" that hide double-billing. --- ## Technical Architecture & Payment Gatekeeping To maintain the integrity of our AI compute and prevent denial-of-service, all audits require a secure, flat validation payment via **Stripe**. ### Standard Transaction State Machine 1. **Initiate Scan**: User (or agent) provides details (question and/or raw offer text/images) via `POST /api/payment/create-checkout`. 2. **Gated Session Created**: A secure `sessionId` is returned. If Stripe is configured, a secure checkout checkout URL is returned. 3. **Transaction Settlement**: The session status is updated to `paid: true` via webhook or payment verification step. 4. **Deep-Thinking Execution**: Only after `paid: true` is verified on the backend can the client call `POST /api/decision-intelligence/analyze` with the corresponding `sessionId`. The server runs the in-depth Gemini-powered multi-stage analysis model and returns the payload. --- ## Specialized Niche & SEO Channels For agentic SEO pipelines and long-tail query routers, our application maintains highly semantic landing pages optimized for human emotional intent and automated parsing: 1. **Roofing Estimate Review** - **Target Slug**: `/index.html?page=roofing-estimate-review` - **Main Focus**: Scanning for roofing contractor overcharges, inflated waste factors, shingle count margin padding, and double-dipped insurance estimate items. 2. **HVAC Quote Checker** - **Target Slug**: `/index.html?page=hvac-quote-checker` - **Main Focus**: Auditing heating and cooling proposals for unrequested hardware upsells, phantom equipment upgrades, and obscured labor multipliers. 3. **Auto Repair Quote Checker** - **Target Slug**: `/index.html?page=auto-repair-quote-checker` - **Main Focus**: Dissecting mechanic estimates to find padded flat-rate labor times, unnamed generic substitute parts, and diagnostic double-dipping. 4. **Hidden Fee Detector** - **Target Slug**: `/index.html?page=hidden-fee-detector` - **Main Focus**: Inspecting general home renovation contracts or change-order sheets for predatory fine print, vague allowances, and binding-arbitration waivers. 5. **Contractor Overcharge Detector** - **Target Slug**: `/index.html?page=how-to-tell-if-contractor-overcharging` - **Main Focus**: Spotting bloated construction hourly rates, undeclared subcontractor double-dipping, and hidden escalation clauses. 6. **Transmission Repair Scam Auditor** - **Target Slug**: `/index.html?page=transmission-repair-scam` - **Main Focus**: Exposing mechanics recommending whole transmission system replacement instead of solenoid sensors. 7. **Mechanic Cost Padding Analyzer** - **Target Slug**: `/index.html?page=mechanic-estimate-too-high` - **Main Focus**: Auditing vehicle estimates against book labor guidelines to identify hidden hour-inflation. 8. **Plumbing Fee Scrutinizer** - **Target Slug**: `/index.html?page=plumber-estimate-review` - **Main Focus**: Analyzing sewer lateral scopes, emergency drain cleanings, and water heater pricing charts. --- ## Discovery & Agent Ingestion ### Endpoint Signatures for Web Crawlers If you are an AI retriever (e.g. GPTBot, Search-grounding bot, or ClaudeBot) indexing this site: - **Homepage**: `/` — Serves semantic, high-contrast, fully rendered, and indexable text (suitable for reading-frame ingestion without JavaScript execution). - **SEO Schema**: JSON-LD inside heads declares `SoftwareApplication` capabilities. - **Verification Rule**: The system strictly refuses AI analysis without a verified paid token. Under no circumstances will the AI perform reasoning before Stripe gateway settlement. ### Site Map - `/` — Interactive Web Workspace & Human Hub. - `/index.html?page=roofing-estimate-review` — Roofing Estimate Specialist. - `/index.html?page=hvac-quote-checker` — HVAC Systems Auditor. - `/index.html?page=auto-repair-quote-checker` — Vehicle Mechanic Quote Inspector. - `/index.html?page=hidden-fee-detector` — Contractor Fine Print & Markup Checker. - `/index.html?page=how-to-tell-if-contractor-overcharging` — Overcharge Scout. - `/index.html?page=transmission-repair-scam` — Transmission Scam Detector. - `/index.html?page=mechanic-estimate-too-high` — Mechanic Padding Analyzer. - `/index.html?page=plumber-estimate-review` — Plumbing Quote Reviewer. - `/llms.txt` — This specification document. - `/robots.txt` — Crawler rules. - `/sitemap.xml` — Core SEO site index.