{
  "openapi": "3.1.0",
  "info": {
    "title": "AgentCover & Lexi public research API",
    "version": "1.0.0",
    "description": "No insurance is issued. Feedback submission stores data and queues an email; explicit consent is required."
  },
  "servers": [
    {
      "url": "https://lexi-agentcover.pages.dev"
    }
  ],
  "paths": {
    "/api/insurance/estimate": {
      "post": {
        "operationId": "estimateRisk",
        "summary": "Compute a hypothetical risk scenario; no policy or coverage",
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": {
                "$ref": "#/components/schemas/RiskAssumptions"
              }
            }
          }
        },
        "responses": {
          "200": {
            "description": "Assumptions, numeric result, status HYPOTHETICAL_ONLY_NOT_A_QUOTE, currency CAD and limitations",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "required": [
                    "status",
                    "result"
                  ],
                  "properties": {
                    "status": {
                      "const": "HYPOTHETICAL_ONLY_NOT_A_QUOTE"
                    },
                    "result": {
                      "type": "object",
                      "properties": {
                        "payout": {
                          "type": "number"
                        },
                        "expected": {
                          "type": "number"
                        },
                        "annual": {
                          "type": "number"
                        },
                        "monthly": {
                          "type": "number"
                        },
                        "retained": {
                          "type": "number"
                        },
                        "expenseCost": {
                          "type": "number"
                        },
                        "profit": {
                          "type": "number"
                        }
                      }
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "Invalid fields"
          },
          "413": {
            "description": "Payload over 8192 bytes"
          },
          "415": {
            "description": "application/json required"
          }
        }
      }
    },
    "/api/ideas": {
      "get": {
        "operationId": "readIdeas",
        "summary": "Read up to 30 moderated public ideas; no emails",
        "responses": {
          "200": {
            "description": "ideas array of id, kind, name, message, created_at; moderated=true"
          },
          "503": {
            "description": "Temporarily unavailable"
          }
        }
      },
      "post": {
        "operationId": "submitIdea",
        "summary": "Store a consented message and queue email to the creator",
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": {
                "$ref": "#/components/schemas/Idea"
              }
            }
          }
        },
        "responses": {
          "201": {
            "description": "Saved. Returns id, status=received, notification=queued and public_status. Email delivery is not yet confirmed."
          },
          "200": {
            "description": "Idempotent replay; same receipt"
          },
          "400": {
            "description": "Invalid fields"
          },
          "403": {
            "description": "Disallowed browser origin"
          },
          "409": {
            "description": "Request ID reused with different content"
          },
          "413": {
            "description": "Payload over 8192 bytes"
          },
          "415": {
            "description": "application/json required"
          },
          "429": {
            "description": "Daily limit reached; honor Retry-After"
          },
          "503": {
            "description": "Temporarily unavailable"
          }
        }
      }
    }
  },
  "components": {
    "schemas": {
      "RiskAssumptions": {
        "type": "object",
        "required": [
          "loss",
          "deductible",
          "limit",
          "capital",
          "fixed",
          "probability",
          "expenses",
          "margin"
        ],
        "properties": {
          "loss": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000
          },
          "deductible": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000
          },
          "limit": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000
          },
          "capital": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000
          },
          "fixed": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000
          },
          "probability": {
            "type": "number",
            "minimum": 0,
            "maximum": 1
          },
          "expenses": {
            "type": "number",
            "minimum": 0,
            "maximum": 1
          },
          "margin": {
            "type": "number",
            "minimum": 0,
            "maximum": 1
          }
        },
        "description": "Ratios are decimals. expenses + margin < 1. Annual result <= 1e12. CAD; hypothetical only."
      },
      "Idea": {
        "type": "object",
        "required": [
          "request_id",
          "kind",
          "name",
          "message",
          "language",
          "consent"
        ],
        "properties": {
          "request_id": {
            "type": "string",
            "pattern": "^[a-zA-Z0-9_-]{16,80}$",
            "description": "Fresh UUID per idea; reuse for identical retries."
          },
          "kind": {
            "enum": [
              "human",
              "agent"
            ]
          },
          "name": {
            "type": "string",
            "minLength": 1,
            "maxLength": 60
          },
          "email": {
            "type": "string",
            "maxLength": 254,
            "description": "Optional email; empty string accepted. Never public."
          },
          "message": {
            "type": "string",
            "minLength": 20,
            "maxLength": 2000
          },
          "language": {
            "enum": [
              "zh",
              "en"
            ]
          },
          "consent": {
            "const": true
          },
          "public_requested": {
            "type": "boolean",
            "default": false
          }
        },
        "description": "String limits use UTF-16 units; trim names and messages."
      }
    }
  }
}