Added value: +{
+  "format": "date",
+  "type": "string"
+}

Added value: +{
+  "format": "uri",
+  "type": "string"
+}

Added value: +{
+  "format": "date",
+  "type": "string"
+}

Added value: +{
+  "format": "uri",
+  "type": "string"
+}

Added value: +{
+  "format": "date",
+  "type": "string"
+}

Added value: +{
+  "format": "uri",
+  "type": "string"
+}

Added value: +{
+  "additionalProperties": false,
+  "description": "Versioned Monoline-specific text that must be shown verbatim with its source URL; echo version and text_hash with the user's response.",
+  "properties": {
+    "kind": {
+      "const": "monoline_mvr",
+      "type": "string"
+    },
+    "source_updated_at": {
+      "format": "date",
+      "type": "string"
+    },
+    "source_url": {
+      "format": "uri",
+      "type": "string"
+    },
+    "text": {
+      "minLength": 1,
+      "type": "string"
+    },
+    "text_hash": {
+      "pattern": "^[a-f0-9]{64}$",
+      "type": "string"
+    },
+    "version": {
+      "minLength": 1,
+      "type": "string"
+    }
+  },
+  "required": [
+    "kind",
+    "version",
+    "text",
+    "text_hash",
+    "source_url",
+    "source_updated_at"
+  ],
+  "type": "object"
+}

Added value: +{
+  "type": "string"
+}

Previous value: -[
-  "abandoned",
-  "blocked",
-  "bound",
-  "cancelled",
-  "chosen",
-  "credit_consent_pending",
-  "credit_consent_required",
-  "dev_success",
-  "documents_needed",
-  "documents_pending_review",
-  "email_sent",
-  "in_review",
-  "ineligible",
-  "info_requested",
-  "needs_more_info",
-  "needs_more_info_to_bind",
-  "no_policy",
-  "no_chosen_offer",
-  "no_quotes",
-  "no_selection",
-  "ok",
-  "payment_collection_ready",
-  "payment_needed",
-  "pending",
-  "pending_quotes",
-  "queued",
-  "quote_rate_limited",
-  "quoted",
-  "ready_for_review",
-  "ready_for_submission",
-  "ready_to_finalize",
-  "review_pending",
-  "service_preview",
-  "service_requested",
-  "sandbox_unsupported",
-  "stale_selection",
-  "verifying_documents",
-  "waiting_on_carrier",
-  "waiting_on_documents",
-  "waiting_on_payment"
-]New value: +[
+  "abandoned",
+  "blocked",
+  "bound",
+  "cancelled",
+  "chosen",
+  "credit_consent_pending",
+  "credit_consent_required",
+  "monoline_mvr_consent_required",
+  "dev_success",
+  "documents_needed",
+  "documents_pending_review",
+  "email_sent",
+  "in_review",
+  "ineligible",
+  "info_requested",
+  "needs_more_info",
+  "needs_more_info_to_bind",
+  "no_policy",
+  "no_chosen_offer",
+  "no_quotes",
+  "no_selection",
+  "ok",
+  "payment_collection_ready",
+  "payment_needed",
+  "pending",
+  "pending_quotes",
+  "queued",
+  "quote_rate_limited",
+  "quoted",
+  "ready_for_review",
+  "ready_for_submission",
+  "ready_to_finalize",
+  "review_pending",
+  "service_preview",
+  "service_requested",
+  "sandbox_unsupported",
+  "stale_selection",
+  "verifying_documents",
+  "waiting_on_carrier",
+  "waiting_on_documents",
+  "waiting_on_payment"
+]

Previous value: -"Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now. Coverage Cat requests that consent on `umbrella_consumer_select`, once the shopper picks an offer."New value: +"Declares that this handoff starts before the shopper has given consumer-report authorization for insurance underwriting, so do not ask about it now. Coverage Cat requests that authorization on `umbrella_consumer_select`, once the shopper picks an offer."

Added value: +{
+  "additionalProperties": false,
+  "description": "Optional versioned service-contact disclosures for the phone number on file; no marketing consent and no purchase requirement.",
+  "properties": {
+    "service_call": {
+      "additionalProperties": false,
+      "description": "Optional service-call disclosure; show its text verbatim before recording a choice.",
+      "properties": {
+        "kind": {
+          "const": "service_call",
+          "type": "string"
+        },
+        "text": {
+          "minLength": 1,
+          "type": "string"
+        },
+        "text_hash": {
+          "pattern": "^[a-f0-9]{64}$",
+          "type": "string"
+        },
+        "version": {
+          "minLength": 1,
+          "type": "string"
+        }
+      },
+      "required": [
+        "kind",
+        "version",
+        "text",
+        "text_hash"
+      ],
+      "type": "object"
+    },
+    "service_sms": {
+      "additionalProperties": false,
+      "description": "Optional service-text disclosure; show its text verbatim before recording a choice.",
+      "properties": {
+        "kind": {
+          "const": "service_sms",
+          "type": "string"
+        },
+        "text": {
+          "minLength": 1,
+          "type": "string"
+        },
+        "text_hash": {
+          "pattern": "^[a-f0-9]{64}$",
+          "type": "string"
+        },
+        "version": {
+          "minLength": 1,
+          "type": "string"
+        }
+      },
+      "required": [
+        "kind",
+        "version",
+        "text",
+        "text_hash"
+      ],
+      "type": "object"
+    }
+  },
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "description": "Versioned canonical text that must be shown verbatim; echo version and text_hash with the user's response.",
+  "properties": {
+    "kind": {
+      "const": "credit_report",
+      "type": "string"
+    },
+    "text": {
+      "minLength": 1,
+      "type": "string"
+    },
+    "text_hash": {
+      "pattern": "^[a-f0-9]{64}$",
+      "type": "string"
+    },
+    "version": {
+      "minLength": 1,
+      "type": "string"
+    }
+  },
+  "required": [
+    "kind",
+    "version",
+    "text",
+    "text_hash"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "instructions": {
+      "type": "string"
+    },
+    "request_tool": {
+      "type": "string"
+    },
+    "required": {
+      "type": "boolean"
+    },
+    "retry_after_seconds": {
+      "minimum": 0,
+      "type": "integer"
+    },
+    "status": {
+      "enum": [
+        "required",
+        "pending",
+        "verified",
+        "not_required"
+      ],
+      "type": "string"
+    },
+    "status_tool": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "status",
+    "required",
+    "retry_after_seconds",
+    "request_tool",
+    "status_tool",
+    "instructions"
+  ],
+  "type": "object"
+}

Previous value: -"Acknowledges that the shopper has not given soft-credit-check consent yet. Coverage Cat collects that consent on `umbrella_consumer_select`, after an umbrella offer is chosen."New value: +"Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now. Coverage Cat requests that consent on `umbrella_consumer_select`, once the shopper picks an offer."

Previous value: -"Provenance rows for intake values you inferred rather than heard from the shopper. Each row names the inferred `field` path, its `source`, and a `confidence` of low, medium, or high. On the initial umbrella handoff, send rows only when each field path already matches a current umbrella review field."New value: +"Provenance for intake values you inferred from context rather than heard from the shopper, one row per inferred value. On the initial umbrella handoff, add rows only for fields that already appear in the current umbrella review; otherwise send `intake` alone."

Added value: +{
+  "confidence": {
+    "description": "How strongly your source supports the inferred value.",
+    "enum": [
+      "low",
+      "medium",
+      "high"
+    ],
+    "type": "string"
+  },
+  "field": {
+    "description": "Intake dot-path of the inferred value, matching the key you sent under `intake`, such as `address.zip`.",
+    "type": "string"
+  },
+  "source": {
+    "description": "Free-form label for where the inferred value came from, such as `policy_declarations`, `email_thread`, or a property-data provider.",
+    "type": "string"
+  }
+}

Added value: +[
+  "field",
+  "source",
+  "confidence"
+]

Previous value: -"Retry key you generate for one logical umbrella_consumer_prefill request. If you retry after a timeout or transport failure, resend the identical arguments with the same idempotency_key. Coverage Cat replays the cached successful result for 24 hours and rejects a changed payload under the same key."New value: +"Key you generate to identify one logical umbrella_consumer_prefill request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to get the original result back; Coverage Cat keeps that result for 24 hours and rejects different arguments sent under a used key."

Previous value: -"Band for the shopper's current underlying auto liability limits: `unsure` means I'm not sure; `500k/1m` means $500k/$1 Million/$100k or higher; `500k/500k` means $500k/$500k/$100k or $500k CSL; `300k/300k` means $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; `100k/300k` means $100k/$300k/$100k or lower. Choose the strongest band the shopper's actual limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve `unsure` for limits the shopper genuinely does not know."New value: +"Which band the shopper's current underlying auto liability limits fall into: `500k/1m` covers $500k/$1 Million/$100k or higher; `500k/500k` covers $500k/$500k/$100k or $500k CSL; `300k/300k` covers $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; `100k/300k` covers $100k/$300k/$100k or lower. Pick the strongest band the shopper's actual limits fully satisfy. Underlying auto limits gate umbrella eligibility, so use `unsure` only when the shopper genuinely does not know their limits."

Previous value: -"Must be true. Coverage Cat collects consent for a soft credit check only after an umbrella offer is chosen."New value: +"Acknowledges that the shopper has not given soft-credit-check consent yet. Coverage Cat collects that consent on `umbrella_consumer_select`, after an umbrella offer is chosen."

Previous value: -"Optional estimate metadata. On the initial consumer umbrella handoff, prefer omitting this unless each field path already matches a current umbrella review field."New value: +"Provenance rows for intake values you inferred rather than heard from the shopper. Each row names the inferred `field` path, its `source`, and a `confidence` of low, medium, or high. On the initial umbrella handoff, send rows only when each field path already matches a current umbrella review field."

Previous value: -"Optional retry key for umbrella_consumer_prefill. If you retry after a timeout or transport failure, resend the identical arguments with the same idempotency_key. Coverage Cat replays the cached successful result for 24 hours and rejects a changed payload under the same key."New value: +"Retry key you generate for one logical umbrella_consumer_prefill request. If you retry after a timeout or transport failure, resend the identical arguments with the same idempotency_key. Coverage Cat replays the cached successful result for 24 hours and rejects a changed payload under the same key."

Previous value: -"Fullest currently known consumer umbrella application patch. Use canonical keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count for umbrella counts. Do not send vehicles rows before submission. current_auto_coverages is a banded enum, not free text: send one of unsure for I'm not sure; 500k/1m for $500k/$1 Million/$100k or higher; 500k/500k for $500k/$500k/$100k or $500k CSL; 300k/300k for $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; 100k/300k for $100k/$300k/$100k or lower. Coverage Cat rejects the shopper's raw limits, so translate them into the strongest band those limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve unsure for limits the shopper genuinely does not know rather than using it to skip the translation."New value: +"Fullest currently known consumer umbrella application patch. Use canonical keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count for umbrella counts. Do not send vehicles rows before submission."

Previous value: -"`current_auto_coverages` is a banded enum, not free text: send one of `unsure` for I'm not sure; `500k/1m` for $500k/$1 Million/$100k or higher; `500k/500k` for $500k/$500k/$100k or $500k CSL; `300k/300k` for $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; `100k/300k` for $100k/$300k/$100k or lower. Coverage Cat rejects the shopper's raw limits, so translate them into the strongest band those limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve `unsure` for limits the shopper genuinely does not know rather than using it to skip the translation."New value: +"Band for the shopper's current underlying auto liability limits: `unsure` means I'm not sure; `500k/1m` means $500k/$1 Million/$100k or higher; `500k/500k` means $500k/$500k/$100k or $500k CSL; `300k/300k` means $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; `100k/300k` means $100k/$300k/$100k or lower. Choose the strongest band the shopper's actual limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve `unsure` for limits the shopper genuinely does not know."

Previous value: -"Optional. Set true only on the first consumer umbrella prefill call when you want a fully synthetic shopper rehearsal that continues on the same consumer tool set."New value: +"Set true on this first prefill call to run a fully synthetic shopper rehearsal instead of a live application. The returned sandbox uid continues through the same consumer tool set."