feat: add L1 platform overview for Agent Assisted Application Funnel (AAA)

.github/CODEOWNERS

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+* @getethos/ipp

layer-01/README.md

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+# Layer 01 — Platform Knowledge
+
+Loaded by every agent, on every product.
+
+| Folder | What belongs here |
+|--------|-------------------|
+| platform-systems/ | One file per platform system. Use platform-system-template_v2_0.md as scaffold. |
+| acord-patterns/ | Standard ACORD transaction patterns — TX103, TX1203, TX1228, TX111. |
+| standard-decisions/ | Platform-level decisions true on every product. |
+| reusable-features/ | Feature specs shared across products — IDV, Flexible Billing, eSignature, Product Bundling. |

layer-01/acord-patterns/README.md

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+# ACORD Patterns
+
+| Transaction | Description | File | Status |
+|-------------|-------------|------|--------|
+| TX103 | New business submission — outbound to carrier | tx103_v2_0.md | Outstanding |
+| TX1203 | Policy status / UW decision — inbound from carrier | tx1203_v2_0.md | Outstanding |
+| TX1228 | Premium / billing — inbound from carrier | tx1228_v2_0.md | Outstanding |
+| TX111 | Cancellation / lapse — bidirectional | tx111_v2_0.md | Outstanding |

layer-01/platform-systems/README.md

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+# Platform Systems
+
+| System | File | IPP Role | Status |
+|--------|------|----------|--------|
+| Policy Configuration Service (PCS) | pcs_v2_0.md | IPP owns | Outstanding |
+| Product Routing Service (PRS) | prs_v2_0.md | IPP owns | Outstanding |
+| Document Generation Service | doc-gen_v2_0.md | IPP owns | Outstanding |
+| eSignature Service | esignature-service_v2_0.md | IPP owns | Draft |
+| ACORD Feed Framework | acord-feed-framework_v2_0.md | IPP owns | Outstanding |
+| Carrier Data Feeds | carrier-data-feeds_v2_0.md | IPP owns | Outstanding |
+| DTC Application Funnel | dtc-funnel_v2_0.md | IPP integrates | Outstanding |
+| Agent Assisted App Funnel | agent-assist-funnel_v2_0.md | IPP integrates | Draft |
+| Microsite Funnel | microsite-funnel_v2_0.md | IPP integrates | Outstanding |
+| LOB.com | lob_v2_0.md | IPP integrates | Outstanding |
+| Agent Portal | agent-portal_v2_0.md | IPP integrates | Outstanding |
+| Member Portal | member-portal_v2_0.md | IPP integrates | Outstanding |
+| Main App (policy flow) | main-app_v2_0.md | IPP integrates | Outstanding |
+| Policy Admin System (PAS2) | pas2_v2_0.md | IPP integrates | Outstanding |
+| Underwriting (UW 2.0) | uw2_v2_0.md | IPP integrates | Outstanding |
+| Payment Platform / Stripe | payments-stripe_v2_0.md | IPP integrates | Outstanding |
+| Profile Service | profile-service_v2_0.md | IPP integrates | Outstanding |
+| Iterable | iterable_v2_0.md | IPP integrates | Outstanding |
+| NetSuite | netsuite_v2_0.md | IPP integrates | Outstanding |
+| Commission Feeds / Validation | commission-feeds_v2_0.md | IPP integrates | Outstanding |
+| OTP Service | otp-service_v2_0.md | PRT owns | Outstanding |
+| Partnerships System | partnerships_v2_0.md | PRT owns | Outstanding |
+| Error Classification Pipeline | error-classification_v2_0.md | IPP integrates | Needs Validation |
+
+Note — Error Classification Pipeline: Confirmed as built (Pankaj). Rules and logic require validation before documenting as confirmed behavior.

layer-01/platform-systems/platform-system-template_v2_0.md

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+# [System Name] — Platform System Context
+
+**Version:** v2.0
+**Last updated:** YYYY-MM-DD
+**Context owner:** [Name]
+**IPP relationship:** [IPP owns / IPP integrates / PRT owns]
+**Status:** [Outstanding / Draft / In Review / Certified]
+
+## 1. System Overview
+None documented.
+
+## 2. IPP Touchpoints
+None documented.
+
+## 3. Key Behaviors
+None documented.
+
+## 4. ACORD Transactions
+None documented.
+
+## 5. Data Inputs / Outputs
+None documented.
+
+## 6. Standard Decisions
+None documented.
+
+## 7. Known Constraints
+None documented.
+
+## 8. Carrier-Specific Variations
+None documented.
+
+## 9. Needs Validation
+None.
+
+## 10. Source Documents
+| Document | Type | Date | Notes |
+|----------|------|------|-------|
+
+## 11. Change Log
+| Version | Date | Author | Summary |
+|---------|------|--------|---------|
+| v2.0 | YYYY-MM-DD | | Initial draft |

layer-01/reusable-features/README.md

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+# Reusable Features
+
+| Feature | File | Status |
+|---------|------|--------|
+| Identity Verification (IDV) | idv-standard_v2_0.md | Outstanding |
+| Flexible Billing | flexible-billing_v2_0.md | Outstanding |
+| eSignature | esignature_v2_0.md | Draft |
+| Product Bundling | product-bundling_v2_0.md | Outstanding |

layer-01/standard-decisions/README.md

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+# Standard Decisions
+
+| File | Coverage | Status |
+|------|----------|--------|
+| standard-decisions_v2_0.md | NY exclusion, no replacements at P0, JIT contracting, Stripe, TX103 | Outstanding |
+| codenames_v2_0.md | Project codename registry — active and retired | Outstanding |

layer-02/README.md

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+# Layer 02 — Product Contexts
+
+First stop when a new initiative begins. One folder per shipped product.
+
+| Product | Folder | Integration Model | PAS Model | Status |
+|---------|--------|-------------------|-----------|--------|
+| Sahara IUL | sahara-iul/ | Native | Carrier Administration | Outstanding |
+| Beacon FE WL | beacon-fe-wl/ | Native | Ethos Administration | Outstanding |
+| JH ROP Linkout | jh-rop-linkout/ | Linkout | N/A | Outstanding |

layer-02/beacon-fe-wl/README.md

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+# Beacon FE WL — Product Context
+
+**Integration model:** Native | **PAS model:** Ethos Administration | **Product type:** Final Expense Whole Life
+
+Reference product for new FE WL carriers. Load this folder first.
+
+| File | Status |
+|------|--------|
+| master_context_v2_0.md | Outstanding |
+| carrier_notes_v2_0.md | Outstanding |
+| key_decisions_v2_0.md | Outstanding |
+| lessons_learned_v2_0.md | Outstanding |
+| product_performance_v2_0.md | Outstanding |

layer-02/jh-rop-linkout/README.md

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+# JH ROP Linkout — Product Context
+
+**Integration model:** Linkout | **PAS model:** N/A | **Product type:** Return of Premium Term
+
+Reference product for Linkout integrations.
+
+| File | Status |
+|------|--------|
+| master_context_v2_0.md | Outstanding |
+| carrier_notes_v2_0.md | Outstanding |
+| key_decisions_v2_0.md | Outstanding |
+| lessons_learned_v2_0.md | Outstanding |
+| product_performance_v2_0.md | Outstanding |

layer-02/sahara-iul/README.md

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+# Sahara IUL — Product Context
+
+**Integration model:** Native | **PAS model:** Carrier Administration | **Product type:** IUL
+
+Reference product for new IUL carriers. Load this folder first.
+
+| File | Status |
+|------|--------|
+| master_context_v2_0.md | Outstanding |
+| carrier_notes_v2_0.md | Outstanding |
+| key_decisions_v2_0.md | Outstanding |
+| lessons_learned_v2_0.md | Outstanding |
+| product_performance_v2_0.md | Outstanding |

layer-03/README.md

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+# Layer 03 — Integration Playbooks
+
+Selected once product type is confirmed from Layer 02.
+
+| PAS Model | Folder | When to use |
+|-----------|--------|-------------|
+| Ethos Administration | native-ethos-admin/ | Term and WL. Ethos PAS owns all post-activation. Preferred. |
+| Shadow Administration | native-shadow-admin/ | Same as Ethos Admin plus TX103 flows to carrier financials. |
+| Carrier Administration | native-carrier-admin/ | IUL. TX103 submission; carrier owns post-activation. |
+| Direct Admin Integration | native-direct-admin/ | Legacy — do not replicate. Reference only. |
+| Linkout | linkout/ | Ethos owns quoting only. Carrier handles UW, application, policy admin. |

layer-03/linkout/README.md

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+# Linkout Integration Playbook
+
+**When to use:** Ethos owns quoting only. Carrier handles UW, application, and policy admin.
+**PRD scope:** Quoting and URL param spec, attribution and analytics, inforce feed, commission feed.
+**Example product:** JH ROP
+
+| File | Status |
+|------|--------|
+| playbook_v2_0.md | Outstanding |
+| data-feed-architecture_v2_0.md | Outstanding |
+| raci_v2_0.md | Outstanding |

layer-03/native-carrier-admin/README.md

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+# Native — Carrier Administration Playbook
+
+**When to use:** IUL. TX103 submission; carrier owns post-activation. Ethos ingests TX1203 and premium feeds.
+
+| File | Status |
+|------|--------|
+| playbook_v2_0.md | Outstanding |
+| data-feed-architecture_v2_0.md | Outstanding |
+| raci_v2_0.md | Outstanding |

layer-03/native-direct-admin/README.md

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+# Native — Direct Admin Integration Playbook
+
+Legacy — do not replicate. Custom multi-feed pipeline, high maintenance. Reference only.
+
+| File | Status |
+|------|--------|
+| playbook_v2_0.md | Outstanding — reference only |

layer-03/native-ethos-admin/README.md

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+# Native — Ethos Administration Playbook
+
+**When to use:** Term and WL. Ethos PAS owns all post-activation. Preferred model.
+**ACORD:** TX103 outbound, TX1203 inbound UW, TX111 cancellation.
+
+| File | Status |
+|------|--------|
+| playbook_v2_0.md | Outstanding |
+| data-feed-architecture_v2_0.md | Outstanding |
+| raci_v2_0.md | Outstanding |

layer-03/native-shadow-admin/README.md

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+# Native — Shadow Administration Playbook
+
+**When to use:** Same as Ethos Admin but TX103 also flows to carrier financials/actuarial.
+
+| File | Status |
+|------|--------|
+| playbook_v2_0.md | Outstanding |
+| data-feed-architecture_v2_0.md | Outstanding |
+| raci_v2_0.md | Outstanding |

layer-04/README.md

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+# Layer 04 — Role Context
+
+Assembled by IPP, handed off before build begins.
+
+## Draft Child PRD roles (7)
+
+| Role | PRD |
+|------|-----|
+| Engineering | ERD Writer PRD |
+| Compliance | TPA Controls PRD |
+| Marketing / CX | Lifecycle Comms PRD |
+| Underwriting | UW Foundations PRD |
+| PRT | Agent Contracting PRD |
+| Analytics | Analytics PRD |
+| Policy Admin | PAS2 Implementation PRD |
+
+## Structured Brief roles (7)
+
+| Role | Brief |
+|------|-------|
+| Designer / UX | Agent Assisted App Experience brief |
+| TPM | Project plan and stakeholder brief |
+| Finance | Unit economics brief |
+| Insurance Team | Product design and filing brief |
+| Legal | TPA and carrier contract brief |
+| Go-to-Market | CX, Sales and partner training brief |
+| CX Ops | Error identification and escalation brief |
+
+## Core PRDs — all native products
+1. Agent Assisted App Experience
+2. Identity Verification (IDV)
+3. UW Foundations
+4. UW Refinement
+5. Policy Admin — Pre Activation
+6. Policy Admin — Post Activation
+7. Agent Portal / Journey
+8. Lifecycle / Marketing Comms
+9. Agent Contracting and Appointments
+10. Agent Comp System
+11. Analytics
+12. Compliance / TPA Controls
+13. Data Feeds
+
+## Conditional PRDs
+
+| PRD | Trigger |
+|-----|---------|
+| Consumer (DTC) App Experience | If DTC in scope |
+| Illustration | IUL only |
+| Flexible Billing | If applicable |
+| Post-Activation Increases | P1 — confirm before including |
+
+## Archived
+| PRD | Note |
+|-----|------|
+| Claims | Explored in Beacon, not implemented. Do not include. |

layer-05/README.md

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+# Layer 05 — PRD Templates
+
+Used by the PRD Writer once all upstream layers are loaded.
+
+| File | Description | Status |
+|------|-------------|--------|
+| master-prd-template_v2_0.md | Master PRD with standard sections and RACI scaffold | Outstanding |
+| product-type-triggers_v2_0.md | Maps product type and PAS model to which child PRDs fire | Outstanding |
+| context-template_v2_0.md | Filled post-launch to seed Layer 02 for the next product | Outstanding |
+
+## Child PRD Templates
+
+| Template | Role |
+|----------|------|
+| erd-writer_v2_0.md | Engineering |
+| tpa-controls_v2_0.md | Compliance |
+| lifecycle-comms_v2_0.md | Marketing / CX |
+| uw-foundations_v2_0.md | Underwriting |
+| uw-refinement_v2_0.md | Underwriting |
+| agent-contracting_v2_0.md | PRT |
+| analytics_v2_0.md | Analytics |
+| policy-admin-pre-activation_v2_0.md | Policy Admin |
+| policy-admin-post-activation_v2_0.md | Policy Admin |
+| agent-portal_v2_0.md | Engineering / Product |
+| agent-comp_v2_0.md | PRT / Finance |
+| data-feeds_v2_0.md | Engineering |
+| idv_v2_0.md | Engineering / Compliance |
+| dtc-app-experience_v2_0.md | Conditional — DTC only |
+| illustration_v2_0.md | Conditional — IUL only |
+| flexible-billing_v2_0.md | Conditional — if applicable |
+| post-activation-increases_v2_0.md | Conditional — P1, confirm before including |