// chat.jsx - VaultCova natural-language assistant: engine + UI (exported to window)
const { useState: useStateC, useEffect: useEffectC, useRef: useRefC } = React;
/* ============ NL parsing helpers ============ */
function parseAmount(str) {
if (!str) return null;
const s = str.toLowerCase().replace(/[,₦n]/g, " ");
// 52m / 52 million / 1.2b / 52000000
let m = s.match(/(\d+(?:\.\d+)?)\s*(b|bn|billion)/);
if (m) return Math.round(parseFloat(m[1]) * 1e9);
m = s.match(/(\d+(?:\.\d+)?)\s*(m|mn|million)/);
if (m) return Math.round(parseFloat(m[1]) * 1e6);
m = s.match(/(\d+(?:\.\d+)?)\s*(k|thousand)/);
if (m) return Math.round(parseFloat(m[1]) * 1e3);
m = s.match(/(\d{4,})/);
if (m) return parseInt(m[1], 10);
return null;
}
function detectCategory(s) {
s = s.toLowerCase();
if (/\b(car|truck|hilux|toyota|lexus|vehicle|van|bus|fleet|land cruiser|suv|motor)\b/.test(s)) return "vehicle";
if (/\b(house|home|apartment|building|warehouse|property|shop|office|flat|duplex|land)\b/.test(s)) return "property";
if (/\b(machine|equipment|generator|forklift|fridge|refriger|plant|tools|machinery)\b/.test(s)) return "equipment";
if (/\b(laptop|macbook|phone|iphone|camera|tv|electronic|computer|console|gadget)\b/.test(s)) return "electronics";
if (/\b(stock|inventory|goods|cargo|produce|merchandise)\b/.test(s)) return "inventory";
if (/\b(watch|rolex|jewel|jewell|ring|gold|art|painting|valuable|collection|necklace)\b/.test(s)) return "jewelry";
if (/\b(ship|vessel|boat|marine|shipment|container)\b/.test(s)) return "marine";
return "equipment";
}
function cleanName(raw) {
let n = " " + raw + " ";
// 1. money amounts + units (longest-first so "million" isn't clipped to "illion")
n = n.replace(/₦?\s*\d[\d,.]*\s*(billion|bn|million|mn|thousand|naira|b|m|k)?\b/gi, " ");
// 2. value / price phrases
n = n.replace(/\b(worth|valued? at|priced? at|replacement( cost)?( of)?|cost(ing)?( of)?|costs?)\b/gi, " ");
// 3. cut trailing context clauses on strong connectors only (keeps "valued at" intact)
n = n.replace(/\b(for|that|which|because|since|so that|used? for|that i|which i)\b.*$/i, " ");
// 4. lead-in verbs / filler
n = n.replace(/\b(add|register|i (just )?(bought|got|own|have|acquired|recently bought)|my|a|an|new|insure|please|to vault ?log|of|about|around)\b/gi, " ");
// 5. tidy punctuation, stray hyphens, whitespace
n = n.replace(/[^\w\s-]/g, " ").replace(/\s*-\s*/g, "-").replace(/^[\s-]+|[\s-]+$/g, "").replace(/\s+/g, " ").trim();
if (!n) return "New asset";
return n.split(" ").map((w) => w.length > 2 ? w[0].toUpperCase() + w.slice(1) : w).join(" ").slice(0, 40).trim();
}
/* ============ The engine ============ */
let _pendingAssess = null; // awaiting additional underwriting info
// returns { msgs:[{text, card, chips}], actions:[{type,...}] }
function interpret(text, ctx) {
const t = text.toLowerCase().trim();
const D = window.VC_DATA;
const reply = (msgs, actions = []) => ({ msgs: Array.isArray(msgs) ? msgs : [msgs], actions });
// ---- pending underwriting info answer ----
if (_pendingAssess && !/\b(add|insure|claim|dashboard|vault|bundle|reward|download|covered)\b/.test(t)) {
const pa = _pendingAssess;
_pendingAssess = null;
const improved = Math.max(18, pa.assess.score - 9);
const newLevel = improved >= 66 ? "High" : improved >= 48 ? "Medium" : "Low";
const est = Math.round(pa.asset.replacement * pa.assess.premiumRate * (newLevel === pa.assess.level ? 1 : 0.88) / 1000) * 1000;
if (pa.assess.flag) {
return reply([
{ text: `Noted - **“${text}”** added to the underwriting file.`, delay: 400 },
{ text: `Because of the value and risk profile, I've **flagged this to our underwriting team** for a final check. Most reviews complete within **4 business hours** - I'll notify you. Meanwhile, the indicative premium is **${D.fmtFull(est)}/yr**.`, card: { type: "assessment", assess: { ...pa.assess, score: improved, level: newLevel, factors: [...pa.assess.factors.slice(0, 2), "Your answer: " + text] }, asset: pa.asset, flagged: true }, chips: ["Open Cova Insight", "Add another asset"], delay: 900 },
], [{ type: "addFlag", flag: { kind: "underwriting", subject: pa.asset.name + " - " + D.fmtNaira(pa.asset.replacement), detail: "Cova assessment " + improved + "/100 (" + newLevel + "). User answered: \"" + text + "\"", risk: newLevel } }]);
}
return reply([
{ text: `Perfect - that improves your profile. Risk re-scored to **${improved}/100 (${newLevel})**.`, delay: 400 },
{ text: `I can bind cover at an estimated **${D.fmtFull(est)}/yr**. Want me to compare insurer quotes?`, card: { type: "assessment", assess: { ...pa.assess, score: improved, level: newLevel, factors: [...pa.assess.factors.slice(0, 2), "Your answer: " + text] }, asset: pa.asset }, chips: ["Compare quotes", "Not yet"], delay: 900 },
]);
}
// greeting / help
if (/^(hi|hello|hey|good (morning|afternoon|evening)|what can you do|help|menu)/.test(t)) {
return reply([{
text: `I'm your VaultCova co-pilot. I can do all of this just from chat:`,
chips: ["Add an asset to VaultLog", "Am I fully covered?", "Insure something", "Show my dashboard"],
}]);
}
// add asset
if (/\b(add|register|i (just )?(bought|got|acquired|own|have)|put .* (in|into) vault)/.test(t) || (/\b(worth|valued|replacement|cost)\b/.test(t) && parseAmount(t))) {
const amount = parseAmount(t);
const cat = detectCategory(t);
const name = cleanName(text);
const replacement = amount || Math.round((D.CATEGORIES[cat] ? 1 : 1) * 5000000);
const asset = {
id: D.nextId(), name, category: cat,
purchase: Math.round(replacement * 0.86), replacement,
sumInsured: 0, status: "uninsured", bundle: null, insurer: null, premium: 0, renews: null,
note: "Added via chat",
};
const assess = D.assessRisk(asset);
_pendingAssess = assess.infoNeeded.length ? { asset, assess } : null;
const msgs = [
{ text: `Got it - adding **${name}** to your VaultLog.`, delay: 500 },
{
text: amount
? `Recorded at **${D.fmtFull(replacement)}** replacement. It's currently **uninsured** - here's my instant risk read:`
: `Added. I've assumed a placeholder value - tell me the replacement cost anytime. Here's my instant risk read:`,
card: { type: "asset", asset },
delay: 850,
},
{
text: assess.recommendation + (assess.infoNeeded.length ? ` One quick question:` : ``),
card: { type: "assessment", assess, asset, flagged: assess.flag },
chips: assess.infoNeeded.length ? assess.infoNeeded : ["Insure it now", "Bundle with others"],
delay: 1300,
},
];
const actions = [{ type: "addAsset", asset, flash: true }];
if (assess.flag) actions.push({ type: "addFlag", flag: { kind: "underwriting", subject: asset.name + " - " + D.fmtNaira(asset.replacement), detail: "Cova assessment " + assess.score + "/100 (" + assess.level + "). Awaiting user answers.", risk: assess.level } });
return reply(msgs, actions);
}
// migrate existing policy (must run before coverage/insure - "policy" overlaps)
if (/\b(already (have|insured|covered)|existing polic|move (my |a )?polic|transfer (my |a )?polic|migrate|bring my polic|manage my polic)/.test(t)) {
return reply([
{ text: `Great - you don't need to start over. Tell me the insurer and policy number, and I'll **move it into VaultCova for management**: renewals, claims, rewards and gap analysis, with your cover untouched.`, delay: 500 },
{ text: `Opening the migration form now…`, delay: 800 },
], [{ type: "openMigrate" }]);
}
// coverage / gap
if (/\b(covered|coverage|gap|underinsur|exposed|protect|enough cover|am i (fully )?(safe|protected))/.test(t)) {
const p = D.portfolio(ctx.assets);
return reply([{
text: `Here's your live coverage picture across **${ctx.assets.length} assets**:`,
card: { type: "coverage", p },
chips: p.gap > 0 ? ["Close the gap", "Show uninsured assets", "Open VaultLog"] : ["Open VaultLog", "Get a renewal quote"],
}]);
}
// insure / quotes — offers reflect the LIVE ops-managed underwriter panel
if (/\b(insure|cover|quote|policy|policies|premium|protect it|get cover)/.test(t)) {
const live = Array.isArray(ctx.panel) && ctx.panel.length
? ctx.panel.map((p2, i) => ({ insurer: p2.insurer, rating: p2.rating || 4.5, features: (p2.features || []).slice(0, 4), claimDays: 10 + (i % 4) * 2, premium: D.QUOTES[i % D.QUOTES.length].premium, badge: i === 0 ? "Best value" : null }))
: D.QUOTES;
return reply([
{ text: `I'll compare live quotes from our insurer panel. Reading your asset details…`, delay: 500 },
{ text: `Here ${live.length === 1 ? "is 1 matched offer" : `are ${live.length} matched offers`}. I've highlighted the best value:`, card: { type: "quotes", quotes: live }, delay: 1100 },
], [{ type: "navigateSoon", tab: "quotes" }]);
}
// bundle
if (/\b(bundle|group|together|combine|portfolio cover)/.test(t)) {
return reply([{
text: `Bundling lowers your premium and removes overlap. I can group related assets into one policy:`,
card: { type: "bundleSuggest" },
chips: ["Create Fleet bundle", "Create Premises bundle", "Open Insure"],
}], [{ type: "navigateSoon", tab: "insure" }]);
}
// claim
if (/\b(claim|damaged|accident|stolen|loss|incident|file a)/.test(t)) {
const insuredAssets = ctx.assets.filter((a) => a.insurer);
// Did they name a specific asset? Match on any meaningful word of its name.
const named = ctx.assets.find((a) => a.name.toLowerCase().split(/\s+/).some((w) => w.length > 2 && t.includes(w)));
// No cover means no claim — say so plainly and offer to insure instead.
if (named && !named.insurer) {
return reply([{
text: `**${named.name}** isn't insured, so there's no cover to claim against yet. The good news: I can get it protected in about a minute - want me to set up cover?`,
chips: [`Insure ${named.name}`, "Am I fully covered?"],
}]);
}
if (!insuredAssets.length) {
return reply([{
text: `You don't have any insured assets yet, so there's no cover to claim against. Let's fix that - I can find you cover in minutes.`,
chips: ["Insure an asset", "Am I fully covered?"],
}]);
}
return reply([{
text: `Sorry to hear that. I'll triage this instantly - most claims under **₦5M** on active policies are **auto-approved for settlement**; larger or unusual ones go to a human adjuster. Which asset is affected?`,
chips: insuredAssets.slice(0, 3).map((a) => a.name),
}], [{ type: "navigateSoon", tab: "claims" }]);
}
// plans / subscription
if (/\b(plans?|subscription|upgrade|pricing|see plans)\b/.test(t)) {
return reply([{
text: `Your policies, vault, claims and my guidance are **free forever**. The paid plans add business risk management on top - I'll show you in Settings.`,
}], [{ type: "navigateSoon", tab: "settings" }]);
}
// risk profile / what do you know
if (/\b(what do you know|my (risk )?profile|risk graph|knowledge graph|what have you learn|about me)\b/.test(t)) {
const facts = Object.entries((ctx.graph || {}).facts || {});
return reply([{
text: facts.length
? `Here's what I've learned about you so far - always growing, never reset, and only used to protect you better:`
: `I'm still learning about you. Just chat with me about what you own and do - I'll build your risk profile naturally.`,
card: facts.length ? { type: "graph", graph: ctx.graph } : null,
chips: ["What am I exposed to?", "Open Cova Insight"],
}]);
}
// insight / risk overview — explain the score with the real engine, don't just navigate
if (/\b(insight|risk (score|overview|profile)|how risky|my risk|recommendation|explain my (risk )?score)/.test(t)) {
const ins = window.buildInsight ? window.buildInsight(ctx.assets, []) : null;
if (ins && ctx.assets.length) {
const f = ins.factors;
const parts = [
`**${f.base} pts** base - every portfolio starts here`,
`**+${f.gapPoints} pts** coverage gap - ${Math.round(ins.p.covered * 100)}% of your ${D.fmtNaira(ins.p.replacement)} portfolio is insured (the gap is weighted heaviest)`,
];
if (f.mixPoints) parts.push(`**+${f.mixPoints} pts** high-risk mix - ${f.highRiskCount} asset${f.highRiskCount > 1 ? "s" : ""} Cova treats as high-risk (marine, jewellery or ₦100M+)`);
if (f.lapsingPoints) parts.push(`**+${f.lapsingPoints} pts** lapsing - ${f.lapsingCount} polic${f.lapsingCount > 1 ? "ies" : "y"} about to expire`);
const top = ins.recs[0];
return reply([{
text: `Your risk score is **${ins.score}/100 (${ins.level})**. Here's exactly how I computed it:\n\n${parts.map((x) => "• " + x).join("\n")}\n\n${top ? `Fastest way to bring it down: **${top.title}** - ${top.detail}` : "Keep renewals on time to stay here."}`,
chips: top ? [top.chat, "Open Cova Insight"] : ["Open Cova Insight"],
}], [{ type: "navigateSoon", tab: "insight" }]);
}
return reply([{
text: `**Cova Insight** scores your whole portfolio and tells you exactly what to fix first. Opening it now…`,
}], [{ type: "navigate", tab: "insight" }]);
}
// rewards / cashback
if (/\b(reward|cashback|cash back|premium back|loyalty|claim.?free|get money back|bonus)\b/.test(t)) {
return reply([{
text: `**VaultRewards** pays you back for staying claim-free, accrued **every month**:\n\n• **Bronze** from day one - up to **5%** of your annual premium\n• **Silver** after 2 claim-free years - up to **7%**\n• **Gold** after 5 claim-free years - up to **9%**\n\nA claim resets you to Bronze, but everything you've already accrued stays yours.`,
chips: ["Open VaultRewards", "How is it calculated?", "Redeem my cashback"],
}], [{ type: "navigateSoon", tab: "rewards" }]);
}
// documents / downloads
if (/\b(download|certificate|schedule of asset|policy document|pdf|export|proof of cover)\b/.test(t)) {
if (/schedule/.test(t)) {
return reply([{ text: `Generating your **Schedule of Assets** - a full register with values and coverage. Opening it now…` }], [{ type: "downloadSchedule" }]);
}
return reply([{
text: `I can generate official PDFs for you: a **Schedule of Assets** for your whole VaultLog, or a **Policy Certificate** for any insured asset or bundle.`,
chips: ["Download schedule of assets", "Open VaultLog"],
}]);
}
// dashboard / navigate
if (/\b(dashboard|overview|home|summary)\b/.test(t)) return reply([{ text: "Opening your dashboard…" }], [{ type: "navigate", tab: "dashboard" }]);
if (/\bvault ?log|my assets|asset register\b/.test(t)) return reply([{ text: "Here's your VaultLog." }], [{ type: "navigate", tab: "vaultlog" }]);
// fallback
return reply([{
text: `I can help with that. Try one of these - or just describe what you own in plain words:`,
chips: ["Add my car worth ₦52M", "Am I fully covered?", "Bundle my assets", "Start a claim"],
}]);
}
/* ============ rich message cards ============ */
function MsgCard({ card, onAction }) {
const D = window.VC_DATA;
if (!card) return null;
if (card.type === "asset") {
const a = card.asset;
return (
{a.name}
{D.fmtFull(a.replacement)} replacement
);
}
if (card.type === "coverage") {
const p = card.p;
return (