Here’s the handoff from 9/27/20225 at 8:15 pm:

# Stella Quotes — Project Handoff Packet (TX, 2025-Q1, GoDaddy MWP)

_Last updated: 2025-09-27 • Author: Eric + Assistant • Status: **Working exporter**; performance: **host-limited save/zip**; caching now enabled (repeat exports are fast)._

—

## 0) TL;DR (for the next dev)
– **Goal:** Keep the **styled Excel template output** and get exports as fast as possible. We now have **working XLSX, PDF, HTML** exporters. **Caching** added → repeat XLSX downloads are **near-instant**.
– **Reality check:** On this GoDaddy MWP host, **saving/zipping** the XLSX costs **~14–17s** even when we do **no edits** (dry-save). Code path is not the bottleneck.
– **Decision:** Accept current speed for now, finish the product features; revisit performance later (host change or host exemption for XLSX responses).
– **What changed today:**
– Added a **speed-tuned writer** (ZipArchive, compression 0, disk caching).
– Added **export caching** keyed on inputs, template, broker/employer meta, and day.
– Shortcodes now pass test flags (`dry_save`, `stream`, etc.) and preserve `sheet=…` fast path.
– **Action for reviewer:** Eric will upload the latest `class-stq-export-compare.php` and `class-stq-shortcodes.php`. Review the writer/save block and the hidden field forwarding.

—

## 1) Environment & Constraints
– **Plugin:** “Stella Quotes” base v0.3.3 + patches (informal 0.3.4+).
– **Active rate set:** 2025-Q1 (Texas).
– **Hosting:** **GoDaddy Managed WordPress** (tight memory/IO; edge/origin malware scan on ZIPs suspected).
– **Composer autoload:** `/wp-content/plugins/stella-quotes/vendor/autoload.php`.
– **Template (single source of truth):**
`/wp-content/uploads/stq-templates/Sample Output Pages.xlsx`
– Tabs in play: `SxS_FLAT` (original), `SxS_RUNTIME` (light copy), `SxS_EMPTY` (minimal test tab).
– **Export endpoints (admin-post.php):**
– `stq_export_compare_xlsx` ✅
– `stq_export_compare_pdf` ✅
– `stq_export_compare_html` ✅
– `stq_export_compare_ping` ✅ (CSV sanity check)
– **Shortcodes:**
– `


Plan #
Plan Name
Network Name
Network Type
Plan Type
Deductible - Individual
Deductible - Family
Coinsurance - Member
Coinsurance - Plan
Out-of-Pocket - Individual
Out-of-Pocket - Family
Virtual Visits
PCP <19
Primary
Specialist
Urgent Care
Emergency
Lab/X-Ray
Imaging
Inpatient Services
Outpatient Surgery
Prescriptions
OON Deductible (Individual/Family)
OON Coinsurance (Member)
OON Out-of-Pocket (Individual/Family)

` renders table + **three** export buttons (XLSX/PDF/HTML).
– `

Carrier

Plan

Carrier

Plan

Carrier

Plan

Carrier

Plan

Carrier

Plan

Carrier

Plan

Carrier

Plan

Carrier

Plan

` plan selector; forwards `sheet=…`.
– `

Carrier	Plan #	Plan Name	Funding	Tier	Network Name	Network Type	Plan Type
BCBSTX	B001	P9M1CHC	FI	P	Blue Choice	PPO	Copay
BCBSTX	B002	P620CHC	FI	P	Blue Choice	PPO	Copay
BCBSTX	B003	P9K3CHC	FI	P	Blue Choice	PPO	Copay
BCBSTX	B004	P9O3CHC	FI	P	Blue Choice	PPO	Copay
BCBSTX	B005	P621CHC	FI	P	Blue Choice	PPO	Copay
BCBSTX	B006	G9K8CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B007	G654CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B008	G652CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B009	G653CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B010	G9K6CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B011	G9L1CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B012	G9L7CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B013	G9L5CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B014	G650CHC	FI	G	Blue Choice	PPO	Copay
BCBSTX	B015	S663CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B016	S661CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B017	S665CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B018	S9M2CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B019	S9L9CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B020	S9N3CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B021	S9N1CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B022	S666CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B023	S9K1CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B024	S667CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B025	S660CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B026	S9L7CHC	FI	S	Blue Choice	PPO	Copay
BCBSTX	B027	B662CHC	FI	B	Blue Choice	PPO	Copay
BCBSTX	B028	G651CHC	FI	G	Blue Choice	PPO	HSA
BCBSTX	B029	G656CHC	FI	G	Blue Choice	PPO	HSA
BCBSTX	B030	S9L5CHC	FI	S	Blue Choice	PPO	HSA
BCBSTX	B031	S9L3CHC	FI	S	Blue Choice	PPO	HSA
BCBSTX	B032	S662CHC	FI	S	Blue Choice	PPO	HSA
BCBSTX	B033	S9M4CHC	FI	S	Blue Choice	PPO	HSA
BCBSTX	B034	B660CHC	FI	B	Blue Choice	PPO	HSA
BCBSTX	B035	B661CHC	FI	B	Blue Choice	PPO	HSA
BCBSTX	B036	P9M1ADT	FI	P	Blue Advantage	HMO	Copay
BCBSTX	B037	P610ADT	FI	P	Blue Advantage	HMO	Copay
BCBSTX	B038	P9K3ADT	FI	P	Blue Advantage	HMO	Copay
BCBSTX	B039	P9O5ADT	FI	P	Blue Advantage	HMO	Copay
BCBSTX	B040	P611ADT	FI	P	Blue Advantage	HMO	Copay
BCBSTX	B041	G665ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B042	G662ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B043	G9E5ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B044	G663ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B045	G9E3ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B046	G661ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B047	G664ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B048	G9K7ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B049	G9K5ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B050	G660ADT	FI	G	Blue Advantage	HMO	Copay
BCBSTX	B051	S9J7ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B052	S643ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B053	S9J9ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B054	S9E3ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B055	S642ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B056	S9N3ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B057	S9N1ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B058	S641ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B059	S9L1ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B060	S9E5ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B061	S640ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B062	S644ADT	FI	S	Blue Advantage	HMO	Copay
BCBSTX	B063	B661ADT	FI	B	Blue Advantage	HMO	Copay
BCBSTX	B064	G9E1ADT	FI	G	Blue Advantage	HMO	HSA
BCBSTX	B065	G666ADT	FI	G	Blue Advantage	HMO	HSA
BCBSTX	B066	S9J5ADT	FI	S	Blue Advantage	HMO	HSA
BCBSTX	B067	S9J3ADT	FI	S	Blue Advantage	HMO	HSA
BCBSTX	B068	S9E1ADT	FI	S	Blue Advantage	HMO	HSA
BCBSTX	B069	S9K2ADT	FI	S	Blue Advantage	HMO	HSA
BCBSTX	B070	B9E1ADT	FI	B	Blue Advantage	HMO	HSA
BCBSTX	B071	B660ADT	FI	B	Blue Advantage	HMO	HSA
BSW	S001	PPO Access Copay 0 7000	FI	G	Access PPO	PPO	Copay
BSW	S002	PPO Access 80 750	FI	G	Access PPO	PPO	Copay
BSW	S003	PPO Access 90 750	FI	S	Access PPO	PPO	Copay
BSW	S004	PPO Access 80 1000	FI	G	Access PPO	PPO	Copay
BSW	S005	PPO Access 80 1500	FI	G	Access PPO	PPO	Copay
BSW	S006	PPO Access 90 1900	FI	G	Access PPO	PPO	Copay
BSW	S007	PPO Access 90 2000	FI	G	Access PPO	PPO	Copay
BSW	S008	PPO Access 100 2300	FI	G	Access PPO	PPO	Copay
BSW	S009	PPO Access 100 3000	FI	G	Access PPO	PPO	Copay
BSW	S010	PPO Access 80 3000	FI	G	Access PPO	PPO	Copay
BSW	S011	PPO Access 60 3250	FI	S	Access PPO	PPO	Copay
BSW	S012	PPO Access 100 3500	FI	G	Access PPO	PPO	Copay
BSW	S013	PPO Access 70 3800	FI	S	Access PPO	PPO	Copay
BSW	S014	PPO Access 100 4000	FI	G	Access PPO	PPO	Copay
BSW	S015	PPO Access 60 4200	FI	S	Access PPO	PPO	Copay
BSW	S016	PPO Access 80 4250	FI	S	Access PPO	PPO	Copay
BSW	S017	PPO Access 90 4500	FI	G	Access PPO	PPO	Copay
BSW	S018	PPO Access 70 4500	FI	S	Access PPO	PPO	Copay
BSW	S019	PPO Access 80 5000	FI	S	Access PPO	PPO	Copay
BSW	S020	PPO Access 90 5900	FI	S	Access PPO	PPO	Copay
BSW	S021	PPO Access 80 6250	FI	S	Access PPO	PPO	Copay
BSW	S022	PPO Access 90 6500	FI	S	Access PPO	PPO	Copay
BSW	S023	PPO Access 70 6700	FI	S	Access PPO	PPO	Copay
BSW	S024	PPO Access 80 6900	FI	S	Access PPO	PPO	Copay
BSW	S025	PPO Access 90 7000	FI	S	Access PPO	PPO	Copay
BSW	S026	PPO Access 100 7300	FI	S	Access PPO	PPO	Copay
BSW	S027	PPO Access 80 7500	FI	S	Access PPO	PPO	Copay
BSW	S028	PPO Access 80 7500	FI	B	Access PPO	PPO	Copay
BSW	S029	PPO Access 90 7900	FI	B	Access PPO	PPO	Copay
BSW	S030	PPO Access 80 8900	FI	S	Access PPO	PPO	Copay
BSW	S031	PPO Access 100 9200	FI	B	Access PPO	PPO	Copay
BSW	S032	PPO Access HSA 3300	FI	G	Access PPO	PPO	HSA
BSW	S033	PPO Access HSA 3700	FI	G	Access PPO	PPO	HSA
BSW	S034	PPO Access HSA 5100	FI	S	Access PPO	PPO	HSA
BSW	S035	PPO Access HSA 6200	FI	S	Access PPO	PPO	HSA
BSW	S036	PPO Access HSA 7300	FI	B	Access PPO	PPO	HSA
BSW	S037	PPO+ Copay 0 7000	FI	G	BSW+ PPO	PPO	Copay
BSW	S038	PPO+ 80 750	FI	G	BSW+ PPO	PPO	Copay
BSW	S039	PPO+ 90 750	FI	S	BSW+ PPO	PPO	Copay
BSW	S040	PPO+ 80 1000	FI	G	BSW+ PPO	PPO	Copay
BSW	S041	PPO+ 80 1500	FI	G	BSW+ PPO	PPO	Copay
BSW	S042	PPO+ 90 1900	FI	G	BSW+ PPO	PPO	Copay
BSW	S043	PPO+ 90 2000	FI	G	BSW+ PPO	PPO	Copay
BSW	S044	PPO+ 100 2300	FI	G	BSW+ PPO	PPO	Copay
BSW	S045	PPO+ 100 3000	FI	G	BSW+ PPO	PPO	Copay
BSW	S046	PPO+ 80 3000	FI	G	BSW+ PPO	PPO	Copay
BSW	S047	PPO+ 60 3250	FI	S	BSW+ PPO	PPO	Copay
BSW	S048	PPO+ 100 3500	FI	G	BSW+ PPO	PPO	Copay
BSW	S049	PPO+ 70 3800	FI	S	BSW+ PPO	PPO	Copay
BSW	S050	PPO+ 100 4000	FI	G	BSW+ PPO	PPO	Copay
BSW	S051	PPO+ 60 4200	FI	S	BSW+ PPO	PPO	Copay
BSW	S052	PPO+ 80 4250	FI	S	BSW+ PPO	PPO	Copay
BSW	S053	PPO+ 90 4500	FI	G	BSW+ PPO	PPO	Copay
BSW	S054	PPO+ 70 4500	FI	S	BSW+ PPO	PPO	Copay
BSW	S055	PPO+ 80 5000	FI	S	BSW+ PPO	PPO	Copay
BSW	S056	PPO+ 90 5900	FI	S	BSW+ PPO	PPO	Copay
BSW	S057	PPO+ 80 6250	FI	S	BSW+ PPO	PPO	Copay
BSW	S058	PPO+ 90 6500	FI	S	BSW+ PPO	PPO	Copay
BSW	S059	PPO+ 70 6700	FI	S	BSW+ PPO	PPO	Copay
BSW	S060	PPO+ 80 6900	FI	S	BSW+ PPO	PPO	Copay
BSW	S061	PPO+ 90 7000	FI	S	BSW+ PPO	PPO	Copay
BSW	S062	PPO+ 100 7300	FI	S	BSW+ PPO	PPO	Copay
BSW	S063	PPO+ 80 7500	FI	S	BSW+ PPO	PPO	Copay
BSW	S064	PPO+ 80 7500	FI	B	BSW+ PPO	PPO	Copay
BSW	S065	PPO+ 90 7900	FI	B	BSW+ PPO	PPO	Copay
BSW	S066	PPO+ 80 8900	FI	S	BSW+ PPO	PPO	Copay
BSW	S067	PPO+ 100 9200	FI	B	BSW+ PPO	PPO	Copay
BSW	S068	PPO+ HSA 3300	FI	G	BSW+ PPO	PPO	HSA
BSW	S069	PPO+ HSA 3700	FI	G	BSW+ PPO	PPO	HSA
BSW	S070	PPO+ HSA 5100	FI	S	BSW+ PPO	PPO	HSA
BSW	S071	PPO+ HSA 6200	FI	S	BSW+ PPO	PPO	HSA
BSW	S072	PPO+ HSA 7300	FI	B	BSW+ PPO	PPO	HSA
BSW	S073	HMO+ Copay 0 7000	FI	G	BSW+ HMO	HMO	Copay
BSW	S074	HMO+ SM 0 9200	FI	G	BSW+ HMO	HMO	Copay
BSW	S075	HMO+ 80 750	FI	G	BSW+ HMO	HMO	Copay
BSW	S076	HMO+ 90 750	FI	S	BSW+ HMO	HMO	Copay
BSW	S077	HMO+ 80 1000	FI	G	BSW+ HMO	HMO	Copay
BSW	S078	HMO+ 80 1500	FI	G	BSW+ HMO	HMO	Copay
BSW	S079	HMO+ 90 1900	FI	G	BSW+ HMO	HMO	Copay
BSW	S080	HMO+ 90 2000	FI	G	BSW+ HMO	HMO	Copay
BSW	S081	HMO+ 100 2300	FI	G	BSW+ HMO	HMO	Copay
BSW	S082	HMO+ 100 3000	FI	G	BSW+ HMO	HMO	Copay
BSW	S083	HMO+ 80 3000	FI	G	BSW+ HMO	HMO	Copay
BSW	S084	HMO+ 60 3250	FI	S	BSW+ HMO	HMO	Copay
BSW	S085	HMO+ 100 3500	FI	G	BSW+ HMO	HMO	Copay
BSW	S086	HMO+ 70 3800	FI	S	BSW+ HMO	HMO	Copay
BSW	S087	HMO+ 100 4000	FI	G	BSW+ HMO	HMO	Copay
BSW	S088	HMO+ 60 4200	FI	S	BSW+ HMO	HMO	Copay
BSW	S089	HMO+ 80 4250	FI	S	BSW+ HMO	HMO	Copay
BSW	S090	HMO+ 90 4500	FI	G	BSW+ HMO	HMO	Copay
BSW	S091	HMO+ 70 4500	FI	S	BSW+ HMO	HMO	Copay
BSW	S092	HMO+ 80 5000	FI	S	BSW+ HMO	HMO	Copay
BSW	S093	HMO+ 90 5900	FI	S	BSW+ HMO	HMO	Copay
BSW	S094	HMO+ 80 6250	FI	S	BSW+ HMO	HMO	Copay
BSW	S095	HMO+ 90 6500	FI	S	BSW+ HMO	HMO	Copay
BSW	S096	HMO+ 70 6700	FI	S	BSW+ HMO	HMO	Copay
BSW	S097	HMO+ 80 6900	FI	S	BSW+ HMO	HMO	Copay
BSW	S098	HMO+ 90 7000	FI	S	BSW+ HMO	HMO	Copay
BSW	S099	HMO+ 100 7300	FI	S	BSW+ HMO	HMO	Copay
BSW	S100	HMO+ 80 7500	FI	S	BSW+ HMO	HMO	Copay
BSW	S101	HMO+ 80 7500	FI	B	BSW+ HMO	HMO	Copay
BSW	S102	HMO+ 90 7900	FI	B	BSW+ HMO	HMO	Copay
BSW	S103	HMO+ 80 8900	FI	S	BSW+ HMO	HMO	Copay
BSW	S104	HMO+ 100 9200	FI	B	BSW+ HMO	HMO	Copay
BSW	S105	HMO+ HSA 3300	FI	G	BSW+ HMO	HMO	HSA
BSW	S106	HMO+ HSA 3700	FI	G	BSW+ HMO	HMO	HSA
BSW	S107	HMO+ HSA 5100	FI	S	BSW+ HMO	HMO	HSA
BSW	S108	HMO+ HSA 6200	FI	S	BSW+ HMO	HMO	HSA
BSW	S109	HMO+ HSA 7300	FI	B	BSW+ HMO	HMO	HSA
BSW	S110	HMO Premier Copay 0 7000	FI	G	Premier HMO	HMO	Copay
BSW	S111	HMO Premier SM 0 9200	FI	G	Premier HMO	HMO	Copay
BSW	S112	HMO Premier 80 750	FI	G	Premier HMO	HMO	Copay
BSW	S113	HMO Premier 90 750	FI	S	Premier HMO	HMO	Copay
BSW	S114	HMO Premier 80 1000	FI	G	Premier HMO	HMO	Copay
BSW	S115	HMO Premier 80 1500	FI	G	Premier HMO	HMO	Copay
BSW	S116	HMO Premier 90 1900	FI	G	Premier HMO	HMO	Copay
BSW	S117	HMO Premier 90 2000	FI	G	Premier HMO	HMO	Copay
BSW	S118	HMO Premier 100 2300	FI	G	Premier HMO	HMO	Copay
BSW	S119	HMO Premier 100 3000	FI	G	Premier HMO	HMO	Copay
BSW	S120	HMO Premier 80 3000	FI	G	Premier HMO	HMO	Copay
BSW	S121	HMO Premier 60 3250	FI	S	Premier HMO	HMO	Copay
BSW	S122	HMO Premier 100 3500	FI	G	Premier HMO	HMO	Copay
BSW	S123	HMO Premier 70 3800	FI	S	Premier HMO	HMO	Copay
BSW	S124	HMO Premier 100 4000	FI	G	Premier HMO	HMO	Copay
BSW	S125	HMO Premier 60 4200	FI	S	Premier HMO	HMO	Copay
BSW	S126	HMO Premier 80 4250	FI	S	Premier HMO	HMO	Copay
BSW	S127	HMO Premier 90 4500	FI	G	Premier HMO	HMO	Copay
BSW	S128	HMO Premier 70 4500	FI	S	Premier HMO	HMO	Copay
BSW	S129	HMO Premier 80 5000	FI	S	Premier HMO	HMO	Copay
BSW	S130	HMO Premier 90 5900	FI	S	Premier HMO	HMO	Copay
BSW	S131	HMO Premier 80 6250	FI	S	Premier HMO	HMO	Copay
BSW	S132	HMO Premier 90 6500	FI	S	Premier HMO	HMO	Copay
BSW	S133	HMO Premier 70 6700	FI	S	Premier HMO	HMO	Copay
BSW	S134	HMO Premier 80 6900	FI	S	Premier HMO	HMO	Copay
BSW	S135	HMO Premier 90 7000	FI	S	Premier HMO	HMO	Copay
BSW	S136	HMO Premier 100 7300	FI	S	Premier HMO	HMO	Copay
BSW	S137	HMO Premier 80 7500	FI	S	Premier HMO	HMO	Copay
BSW	S138	HMO Premier 80 7500	FI	B	Premier HMO	HMO	Copay
BSW	S139	HMO Premier 90 7900	FI	B	Premier HMO	HMO	Copay
BSW	S140	HMO Premier 80 8900	FI	S	Premier HMO	HMO	Copay
BSW	S141	HMO Premier 100 9200	FI	B	Premier HMO	HMO	Copay
BSW	S142	HMO Premier HSA 3300	FI	G	Premier HMO	HMO	HSA
BSW	S143	HMO Premier HSA 3700	FI	G	Premier HMO	HMO	HSA
BSW	S144	HMO Premier HSA 5100	FI	S	Premier HMO	HMO	HSA
BSW	S145	HMO Premier HSA 6200	FI	S	Premier HMO	HMO	HSA
BSW	S146	HMO Premier HSA 7300	FI	B	Premier HMO	HMO	HSA
UHC	U001	DY-AK	FI	P	Choice +	PPO	Copay
UHC	U002	DX-9J	FI	P	Choice	EPO	Copay
UHC	U003	DY-A3	FI	P	Navigate	HMO	Copay
UHC	U004	DX-9Q	FI	P	Choice +	PPO	Copay
UHC	U005	DX-9R	FI	P	Choice	EPO	Copay
UHC	U006	DY-AP	FI	P	Navigate	HMO	Copay
UHC	U007	DX-9U	FI	P	Choice +	PPO	Copay
UHC	U008	DX-9V	FI	P	Choice	EPO	Copay
UHC	U009	DY-AR	FI	P	Navigate	HMO	Copay
UHC	U010	DX-95	FI	G	Choice +	PPO	Copay
UHC	U011	DX-96	FI	G	Choice	EPO	Copay
UHC	U012	DY-AW	FI	G	Navigate	HMO	Copay
UHC	U013	DY-AB	FI	G	Choice +	PPO	Copay
UHC	U014	DY-AC	FI	G	Choice	EPO	Copay
UHC	U015	DY-A8	FI	G	Navigate	HMO	Copay
UHC	U016	DX-9H	FI	G	Choice +	PPO	Copay
UHC	U017	DX-9I	FI	G	Choice	EPO	Copay
UHC	U018	DY-A2	FI	G	Navigate	HMO	Copay
UHC	U019	DX-9M	FI	G	Choice +	PPO	Copay
UHC	U020	DY-AF	FI	G	Choice	EPO	Copay
UHC	U021	DY-A5	FI	G	Navigate	HMO	Copay
UHC	U022	DX-92	FI	P	Choice +	PPO	Copay
UHC	U023	DX-93	FI	P	Choice	EPO	Copay
UHC	U024	DY-AU	FI	P	Navigate	HMO	Copay
UHC	U025	DX-9L	FI	P	Choice +	PPO	Copay
UHC	U026	DX-9K	FI	P	Choice	EPO	Copay
UHC	U027	DY-A4	FI	P	Navigate	HMO	Copay
UHC	U028	DY-AM	FI	P	Choice +	PPO	Copay
UHC	U029	DX-9S	FI	P	Choice +	PPO	Copay
UHC	U030	DX-9T	FI	P	Choice	EPO	Copay
UHC	U031	DY-AQ	FI	P	Navigate	HMO	Copay
UHC	U032	DX-9W	FI	G	Choice +	PPO	Copay
UHC	U033	DX-9X	FI	G	Choice	EPO	Copay
UHC	U034	DY-AS	FI	G	Navigate	HMO	Copay
UHC	U035	DX-9Y	FI	G	Choice +	PPO	Copay
UHC	U036	DX-9Z	FI	G	Choice	EPO	Copay
UHC	U037	DY-AT	FI	G	Navigate	HMO	Copay
UHC	U038	DY-AL	FI	G	Choice +	PPO	Copay
UHC	U039	DX-94	FI	G	Choice	EPO	Copay
UHC	U040	DY-AV	FI	G	Navigate	HMO	Copay
UHC	U041	DX-97	FI	G	Choice +	PPO	Copay
UHC	U042	DX-98	FI	G	Choice	EPO	Copay
UHC	U043	DY-AX	FI	G	Navigate	HMO	Copay
UHC	U044	DY-AA	FI	G	Choice +	PPO	Copay
UHC	U045	DX-99	FI	G	Choice	EPO	Copay
UHC	U046	DY-A9	FI	G	Navigate	HMO	Copay
UHC	U047	DY-AN	FI	G	Choice +	PPO	Copay
UHC	U048	DX-9F	FI	G	Choice +	PPO	Copay
UHC	U049	DX-9G	FI	G	Choice	EPO	Copay
UHC	U050	DY-AY	FI	G	Navigate	HMO	Copay
UHC	U051	DY-AE	FI	G	Choice +	PPO	Copay
UHC	U052	DY-AD	FI	G	Choice	EPO	Copay
UHC	U053	DY-AZ	FI	G	Navigate	HMO	Copay
UHC	U054	DY-AO	FI	G	Choice +	PPO	Copay
UHC	U055	DY-AG	FI	S	Choice +	PPO	Copay
UHC	U056	DY-AH	FI	S	Choice	EPO	Copay
UHC	U057	DY-A6	FI	S	Navigate	HMO	Copay
UHC	U058	DY-AI	FI	S	Choice +	PPO	Copay
UHC	U059	DY-AJ	FI	S	Choice	EPO	Copay
UHC	U060	DY-A7	FI	S	Navigate	HMO	Copay
UHC	U061	DX-83	FI	G	Choice +	PPO	HSA
UHC	U062	DX-84	FI	G	Choice	EPO	HSA
UHC	U063	DX-9B	FI	G	Navigate	HMO	HSA
UHC	U064	DX-8R	FI	S	Choice +	PPO	HSA
UHC	U065	DX-8S	FI	S	Choice	EPO	HSA
UHC	U066	DX-9A	FI	S	Navigate	HMO	HSA
UHC	U067	DX-8V	FI	S	Choice +	PPO	HSA
UHC	U068	DX-8W	FI	S	Choice	EPO	HSA
UHC	U069	DX-86	FI	S	Navigate	HMO	HSA
UHC	U070	DX-8Z	FI	B	Choice +	PPO	HSA
UHC	U071	DX-82	FI	B	Choice	EPO	HSA
UHC	U072	DX-88	FI	B	Navigate	HMO	HSA
UHC	U073	DX-8T	FI	S	Choice +	PPO	HSA
UHC	U074	DX-8U	FI	S	Choice	EPO	HSA
UHC	U075	DX-85	FI	S	Navigate	HMO	HSA
UHC	U076	DX-8X	FI	S	Choice +	PPO	HSA
UHC	U077	DX-8Y	FI	S	Choice	EPO	HSA
UHC	U078	DX-87	FI	S	Navigate	HMO	HSA
UHC	U079	DX-9C	FI	G	Choice +	PPO	Copay
UHC	U080	DX-9D	FI	G	Choice	EPO	Copay
UHC	U081	DX-9E	FI	S	Choice +	PPO	Copay
UHC	U082	DX-9N	FI	S	Choice	EPO	Copay
UHC	U083	DX-9O	FI	S	Choice +	PPO	Copay
UHC	U084	DX-9P	FI	S	Choice	EPO	Copay

` (grid listing).
– `Provide carrier and plan, e.g. [stq_diag_benefits carrier="BCBSTX" plan="B046"]` (debug).

—

## 2) Template Design Rules (how the exporter fills sheets)
– **Column Mode (SxS style)** — current SxS tabs use this:
– Put literal `[[STQ_TABLE]]` at the **top-left cell** of the plan grid.
– **Benefit labels** sit **one column left** of that marker.
– Exporter writes **header row (plan names)** on the marker row and **plan values** below.
– **Row Mode (wide pages)**:
– Put `[[STQ_TABLE_ROWS]]` in the **first plan row**.
– One row **above** it is the **unmerged short-header row** (e.g., `Ded-Ind`, `Coins-Plan`).
– You can mix modes across sheets.
– **Placeholders** (auto-fill in top ~120 rows):
`[[STQ_EMPLOYER]]`, `[[STQ_COMPANY]]`, `[[STQ_BROKER_*]]`, `[[STQ_EFFECTIVE]]`,
`[[STQ_RATE_SET]]`, `[[STQ_AREA]]`, `[[STQ_COUNTY]]`, `[[STQ_DATE_TODAY]]`,
`[[STQ_PLANS]]`, `[[STQ_DISCLAIMER]]`.
If no disclaimer provided, a safe default is injected.

—

## 3) Label Mapping (aliases → canonical keys)
Normalization lets templates use familiar labels. Examples:
– `plannumber` → `plan#`, `plan id`, `planid`
– `planname` → `name`
– `tier` ↔ `metal` (P/G/S/B)
– `networkname` → `network`
– `plantype` → `plan type`
– `deductibleindividual` → `ded-ind`, `individual`
– `outofpocketindividual` → `oop-ind`
– OON group: ded/coins/oop (auto “N/A” for HMO/EPO via helpers).
Unrecognized rows/cols are ignored so divider bars remain.

—

## 4) Where we started (this session)
– We already had a reliability fix that **scanned all sheets** for markers. Reliable, but slow on GoDaddy.
– Ask: **restore speed** while **keeping styling**.
– We switched to **direct-write into the loaded template workbook** (no deep copy). Preserved style; helped a bit.

—

## 5) What we changed **today**
### 5.1 Shortcodes (`class-stq-shortcodes.php`)
– Added hidden fields so exports can use the **fast path** (`sheet=`).
– Added test/ops flags (forwarded through forms):
– `dry_save=1` → open + save (no edits) to time pure ZIP step.
– `stream=1` → stream directly to `php://output` (optional branch).
– `drop_names`, `fast_strip` (placeholders for future experiments; harmless if unused).
– Export buttons under the table post all selection/meta safely (nonce).

**Example shortcodes to run:**
“`text

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

### 5.2 Exporter (`class-stq-export-compare.php`)
– **Direct-write** into the loaded template (keeps all styles).
– **Writer/save tuned for speed:**
– `ZipArchive` if available (faster than PclZip).
– `setCompressionLevel(0)` to lower CPU at save time.
– `setPreCalculateFormulas(false)`, `setIncludeCharts(false)`.
– Disk caching directory under `/uploads/stq-tmp`.
– **Added export caching**:
– Cache dir: `/uploads/stq-cache`.
– Cache key includes: `sheet`, `plans`, `rate_set`, `area`, **broker/employer meta**, `disclaimer`, **today** (keeps date fresh), and **template mtime/MD5** (auto-busts if template changes).
– Cache hit streams instantly; logs mark `(cache hit)`.
– **Diagnostics**:
– Log file: `/wp-content/uploads/stq-tmp/stq-export.log`
– Instrumented spans: `matrix`, `load_fast`, `placeholders`, `write`, `save`, `total`.

—

## 6) Timings we observed (selected)
> These are **server-side** times from the log. We focused on `save=…s` to isolate bottlenecks.

– Early runs on `SxS_FLAT` (after direct-write; before tweaks):
`save≈15–18s`, `total≈21–24s`.
– After removing **named cells** from template:
Still `save≈17.3s`, `total≈23.7s` → **no meaningful change**.
– After **writer tweaks** (ZipArchive, compression 0, etc.):
`save≈14.6–17.0s` (slight improvement).
– **Dry save** on totally minimal tab `SxS_EMPTY` (no writes at all):
`save=16.367s` → **host save/zip is the bottleneck** (not our writes; not sheet complexity).
– **Caching enabled** (same selection twice):
– First run: `save≈16.1s`, `total≈22s`.
– Second run: `save=0.000s`, `total≈6.019s (cache hit)` → **repeat exports are fast**.

**Conclusion:** Code path is efficient (`placeholders/write ≈ 0s`). The time is burned in **PhpSpreadsheet ZIP save** under GoDaddy MWP (likely CPU/IO and/or malware scanning on ZIP responses). This matches intermittent past behavior: it _did_ run in ~2s before; shared hosting variability can swing this without code changes.

—

7) Host notes & optional ops steps
– Suspect: edge/origin ZIP/malware scanning or noisy neighbors throttling CPU/IO.
– Optional support ticket text (paste to GoDaddy):

– **Alternatives later** (not for this weekend):
– Move only the export endpoint to a tiny VPS (PHP 8.x + ZipArchive).
– Offer a “Legacy XLS (fast)” fallback (BIFF/XLS) if ever acceptable (not a current goal).

—

## 8) Current state (2025-09-27)
– **Works:** XLSX/PDF/HTML exports, styled output preserved, runtime tab option, **caching** for repeats.
– **Performance:** First-run XLSX save ~15–17s on this host; **cache hits** are near-instant.
– **Diagnostics:** Logging active; easy to compare runs.

—

## 9) What’s next (we will circle back to speed later)
Eric has ~**12 hours** left this weekend and needs a **working quoting tool by end of that time**. The exporter is functional; we’ll **prioritize features** now and revisit speed later if needed.

### 9.1 Immediate feature roadmap (ship this weekend)
1. **Save Case** (high value)
– New “Save Case” button under compare table stores: plans, rate set, area, employer/broker meta, disclaimer.
– Reopen a Case → re-render compare and export in one click (benefits from cache).
2. **Compare Picker “Choose-for-me”** defaults
– Already wired to optional `STQ_Compare_Picker_Plus::auto_select(…)`.
– Provide sensible defaults (count, bucket, anchor, balance).
3. **PDF packet polish**
– Headers/footers with logo, page numbers, disclaimer footer; ensure 1-click print quality.
4. **Placeholders pass**
– Confirm all `[[STQ_*]]` fill correctly across current/future tabs.
5. **Q1 2026 Rates hookup**
– Wire import path and table lookups so new data can drop in with minimal code changes.

### 9.2 After that (perf revisit)
– If GoDaddy grants exemption → we should see **~2–4s** saves again.
– Else consider the small VPS export microservice or a more aggressive runtime tab (fewer merges/styles) if we want to squeeze more speed without host change.

—

## 10) Repro steps for reviewers

### 10.1 Template tabs
– **SxS_FLAT**: original styled tab with `[[STQ_TABLE]]`.
– **SxS_RUNTIME**: light copy of `SxS_FLAT` (CF removed, print area & breaks reset).
– **SxS_EMPTY**: test tab created with only `[[STQ_TABLE]]` at `B5` (labels optional; use `dry_save=1` for save-only test).

### 10.2 Shortcodes to exercise
“`text

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

	B001 — P9M1CHC	B002 — P620CHC	B003 — P9K3CHC
Plan #	B001	B002	B003
Plan Name	P9M1CHC	P620CHC	P9K3CHC
Network Name	Blue Choice	Blue Choice	Blue Choice
Network Type	PPO	PPO	PPO
Plan Type	Copay	Copay	Copay
Deductible - Individual	$0	$350	$600
Deductible - Family	$0	$1,050	$1,200
Coinsurance - Member	10%	20%	20%
Coinsurance - Plan	90%	80%	80%
Out-of-Pocket - Individual	$6,300	$1,600	$1,800
Out-of-Pocket - Family	$12,600	$4,800	$3,600
Virtual Visits	$20	$35	$35
PCP <19	$20	$35	$35
Primary	$20	$35	$35
Specialist	$40	$70	$70
Urgent Care	$75	$35	$75
Emergency	$500 + D&C	$300 + D&C	$300 + D&C
Lab/X-Ray	D&C	D&C	D&C
Imaging	D&C	$250	$250
Inpatient Services	D&C	$150 + D&C	$150 + D&C
Outpatient Surgery	D&C	$100 + D&C	$100 + D&C
Prescriptions	$0-10-50-100-150-250	$0-10-35-75-150-250	$0-10-50-100-150-250
OON Deductible (Individual/Family)	$5,000 / $10,000	$700 / $2,100	$1,200 / $2,400
OON Coinsurance (Member)	50%	40%	40%
OON Out-of-Pocket (Individual/Family)	Unlimited / Unlimited	Unlimited / Unlimited	Unlimited / Unlimited

10.3 Logs to inspect

/wp-content/uploads/stq-tmp/stq-export.log

Look for:
– `save=…s` — host ZIP time
– `(cache hit)` — confirm caching path

—

## 11) Files to review (Eric will upload)
– `wp-content/plugins/stella-quotes/includes/class-stq-export-compare.php`
– Verify **writer/save (speed-tuned + cache)** block present.
– Verify cache key includes **meta + today + template hash/mtime**.
– Verify log lines include `(cache hit)` on cached runs.
– `wp-content/plugins/stella-quotes/includes/class-stq-shortcodes.php`
– Verify hidden inputs include `sheet`, `plans`, `rate_set`, `area`, meta fields, and **flags** (`dry_save`, `stream`, `drop_names`, `fast_strip`).
– Verify export forms post to `admin-post.php` with nonce.

—

## 12) Known issues / Non-goals
– **Non-goal:** “Ugly/raw” spreadsheets or disabling styling. We keep broker-ready outputs.
– **Performance:** First-run XLSX save is host-limited right now; caching mitigates repeat exports.
– **Template complexity:** Named ranges removal did not materially change save time on this host.
– **`SxS_EMPTY` write error:** Expected when labels are missing; only used for dry-save timing.

—

## 13) Support snippets (copy/paste)

**GoDaddy support ask:**

**Bypass cache (when needed):** add `nocache=1` as a POST field; the exporter honors it if enabled.

—

## 14) Appendix — Quick reference

### 14.1 Placeholders supported
`[[STQ_EMPLOYER]]`, `[[STQ_COMPANY]]`, `[[STQ_BROKER_NAME]]`, `[[STQ_BROKER_AGENCY]]`,
`[[STQ_BROKER_EMAIL]]`, `[[STQ_BROKER_PHONE]]`, `[[STQ_BROKER_WEBSITE]]`,
`[[STQ_BROKER_LINE]]`, `[[STQ_BROKER_CONTACT]]`, `[[STQ_EFFECTIVE]]`, `[[STQ_RATE_SET]]`,
`[[STQ_AREA]]`, `[[STQ_COUNTY]]`, `[[STQ_DATE_TODAY]]`, `[[STQ_PLANS]]`, `[[STQ_DISCLAIMER]]`.

### 14.2 OON helpers
– Pair rows show “N/A” for HMO/EPO (`na_if_oonsuppressed_pair`).
– Coins row shows “N/A” for HMO/EPO (`na_if_oonsuppressed_coins`).

14.3 Diagnostics sample line

[2025-09-27 23:46:05] path=FAST-cols sheet=SxS_RUNTIME matrix=0.018s load_fast=0.136s load_scan=0.000s placeholders=0.019s write=0.002s save=17.754s total=24.126s

—

15) Final notes
– We will circle back on first-run speed once either (a) GoDaddy exempts the XLSX response from scanning, or (b) we decide to move the export endpoint to a small VPS. Neither is required to keep building.
– Priority now: ship a working quoting tool this weekend (exporter ✅, features next). The caching added today keeps the UX snappy for repeated compares while we demo and iterate.

# XLSX Export Caching — What we did and why

## Why we needed it
– Your logs showed the **only slow part** is the final **XLSX save/zip** on the server (`save ≈ 14–17s`), even when we do **no cell edits**. That’s host I/O/CPU/scanning, not our code.
– We can’t speed the **first** save if the host is slow, but we can avoid **repeating** that slow operation for the **same** export.

## What we implemented
We added a **file cache** so that after one export is generated and saved once, **subsequent exports with the same inputs** are served directly from disk **without re-saving** the workbook.

– **Cache folder:** `/wp-content/uploads/stq-cache`
– **Temp/caching workspace:** `/wp-content/uploads/stq-tmp`
– **Writer tuning:** use `ZipArchive` (if available), compression level `0`, no formula precalc, no charts → marginally faster first save.

## How it works (flow)
1. **Build a cache key** (a SHA-1 hash) from all inputs that affect the file:
– `sheet` (e.g., `SxS_FLAT` / `SxS_RUNTIME`)
– `plans` (order-sensitive list)
– `rate_set`, `area`
– **Broker/employer meta & disclaimer** (so headers/footers + placeholders match)
– **Today’s date** (`[[STQ_DATE_TODAY]]`) → daily refresh
– **Template fingerprint** (mtime + MD5) → auto-bust cache when template changes
2. **Check cache folder** for `stq-.xlsx`.
– **If present (cache hit):** stream that file immediately (near-instant), log `(cache hit)`.
– **If missing (cache miss):**
– Save the current workbook to a temp file (incurs the slow host save once)
– Copy it into the cache as `stq-.xlsx`
– Stream to the user

### Pseudocode (simplified)

## What this achieves
– **First export** for a given selection: still ~host-limited (e.g., ~16s).
– **Repeat export** for the same selection (same page, inputs, meta, template, same day):
– **Instant** (no re-save), your log will show `save=0.000s` and `(cache hit)`.

## Cache invalidation (when we intentionally miss)
A new file is generated when **any** of these change:
– Template (mtime/MD5), `sheet`, `plans`, `rate_set`, `area`
– Broker/employer/meta fields or `[[STQ_DISCLAIMER]]`
– **New day** (to keep `[[STQ_DATE_TODAY]]` accurate)

### Manual bypass (optional switch)
If enabled in code:
– Add POST `nocache=1` to **force refresh** (skip cache even if present).

## Operational notes
– **Clear cache:** delete `/uploads/stq-cache/*` (safe to remove; it repopulates on demand).
– **Disk usage:** each unique selection produces one XLSX; clean up occasionally if needed.
– **Security:** files are in the private uploads path; access is only via your export endpoint streaming.

## What to look for in logs
File: `/wp-content/uploads/stq-tmp/stq-export.log`
– First run (miss): `save=14.646s total=20.158s`
– Repeat (hit): `save=0.000s total=6.019s (cache hit)`

Example:

## FAQ
– **Why is the first one still slow?**
The host spends ~15–17s zipping the XLSX once. Caching avoids doing that again for the same inputs.
– **Will different plans or a new disclaimer be fast?**
No; those change the cache key → a new file is generated (slow once), then fast thereafter.
– **What if I update the template file?**
The cache auto-busts because we include template mtime + md5 in the key.
– **What about the date in the header?**
We include `today` in the key → a fresh file is generated each day.

## Where this code lives
– In `class-stq-export-compare.php`, the **writer/save** section is replaced with a block that:
– Tunes the writer (ZipArchive, compression 0)
– Computes the cache key & checks `/uploads/stq-cache`
– Streams cached file on hits, saves+stores on misses

Here’s the handoff from 9/27/20225 at 8:15 pm:

7) Host notes & optional ops steps – **Suspect**: edge/origin **ZIP/malware scanning** or noisy neighbors throttling CPU/IO. – **Optional support ticket text** (paste to GoDaddy):

14.3 Diagnostics sample line

7) Host notes & optional ops steps
– Suspect: edge/origin ZIP/malware scanning or noisy neighbors throttling CPU/IO.
– Optional support ticket text (paste to GoDaddy):