Shortcodes as of 10/2 1 am

<?php
// File: wp-content/plugins/stella-quotes/includes/class-stq-shortcodes.php
if (!defined(‘ABSPATH’)) exit;

class STQ_Shortcodes {

/* ===== STQ_Shortcodes::init ===== */
public static function init(){
add_shortcode(‘stq_market’, [__CLASS__,’market’]);
add_shortcode(‘stq_compare_picker’, [__CLASS__,’compare_picker’]);
add_shortcode(‘stq_compare’, [__CLASS__,’compare’]);
add_shortcode(‘stq_diag_benefits’, [__CLASS__,’diag_benefits’]);
// NEW: intake form for starting a quote
add_shortcode(‘stq_quote_intake’, [__CLASS__,’quote_intake’]);
}
/* ===== /STQ_Shortcodes::init ===== */

/* ———- Day 2 format helpers (mirror export) ———- */
private static function fmt_benefit($v){
if ($v === ” || $v === null) return ”;
if (is_string($v)) {
if (preg_match(‘/[A-Za-z&]/’, $v)) return (string)$v; // pass through mixed strings
if (preg_match(‘/^\s*0+(\.0+)?\s*$/’, $v)) return ‘$0’; // “$0” no decimals
}
if (is_numeric($v)) {
if (floatval($v) == 0.0) return ‘$0’;
return STQ_Format::money($v);
}
return (string)$v;
}
private static function fmt_coins($v){
if ($v === ” || $v === null) return ”;
if (is_string($v) && preg_match(‘/[A-Za-z]/’, $v)) return (string)$v;
return STQ_Format::coins($v);
}

/* ———- SAFE census-count parser ———- */
/**
* Parse EO/ES/EC/EF counts from a CSV file path or the current upload.
* – If $path is provided and readable, use it.
* – Else, if an upload exists at $_FILES[‘stq_census’][‘tmp_name’], use that.
* – Always guard file reads; return null on failure.
*/
private static function parse_counts_from_upload(string $path = ”){
$file = ”;
if ($path && is_readable($path)) {
$file = $path;
} elseif (!empty($_FILES[‘stq_census’][‘tmp_name’]) && is_uploaded_file($_FILES[‘stq_census’][‘tmp_name’]) && is_readable($_FILES[‘stq_census’][‘tmp_name’])) {
$file = $_FILES[‘stq_census’][‘tmp_name’];
} else {
return null;
}

$fh = @fopen($file, ‘r’);
if (!$fh) return null;

$hdr = fgetcsv($fh);
if (!$hdr || !is_array($hdr)) { fclose($fh); return null; }
$idx = array_flip($hdr);

// find relationship and tier field(s)
$relKey = null;
foreach ([‘Relationship’,’relationship’,’RELATIONSHIP’] as $k) { if (isset($idx[$k])) { $relKey = $k; break; } }

$tierField = null;
foreach ([‘Coverage Tier for Employees’,’Coverage Tier’,’coverage tier’,’Tier’,’tier’] as $k) { if (isset($idx[$k])) { $tierField = $k; break; } }

$waiveField = null;
foreach ([‘Waive’,’waive’,’Waived’,’waived’,’Decline’,’decline’] as $k) { if (isset($idx[$k])) { $waiveField = $k; break; } }

$counts = [‘EO’=>0,’ES’=>0,’EC’=>0,’EF’=>0,’TOTAL’=>0];

while (($r = fgetcsv($fh)) !== false) {
if (!is_array($r)) continue;

$isEmployee = true; // default to employee if we lack a relationship column
if ($relKey !== null) {
$rel = strtolower(trim((string)($r[$idx[$relKey]] ?? ”)));
$isEmployee = in_array($rel, [’employee’,’emp’,’subscriber’,’self’], true);
}
if (!$isEmployee) continue;

// skip waived
if ($waiveField !== null) {
$wv = strtolower(trim((string)($r[$idx[$waiveField]] ?? ”)));
if (in_array($wv, [‘y’,’yes’,’waive’,’waived’,’true’,’1′], true)) continue;
}

if ($tierField === null) continue;
$raw = strtoupper(trim((string)($r[$idx[$tierField]] ?? ”)));
if ($raw === ”) continue;

// normalize into EO/ES/EC/EF
$map = [
‘EMPLOYEE ONLY’ => ‘EO’,
‘EMPLOYEE+SPOUSE’ => ‘ES’,
‘EMPLOYEE + SPOUSE’ => ‘ES’,
‘EMPLOYEE+CHILD’ => ‘EC’,
‘EMPLOYEE + CHILD’ => ‘EC’,
‘EMPLOYEE+CHILDREN’ => ‘EC’,
‘EMPLOYEE + CHILDREN’=> ‘EC’,
‘EMPLOYEE+FAMILY’ => ‘EF’,
‘EMPLOYEE + FAMILY’ => ‘EF’,
];
$tier = $map[$raw] ?? $raw;
if (in_array($tier, [‘EO’,’ES’,’EC’,’EF’], true)) {
$counts[$tier] += 1;
$counts[‘TOTAL’] += 1;
}
}
fclose($fh);
return $counts;
}

private static function header_counts($c){
if(!$c) return ”;
$parts=[]; foreach([‘EO’,’ES’,’EC’,’EF’] as $t){ $parts[]=$t.’ ‘.intval($c[$t]); }
$parts[]=’Total ‘.intval($c[‘TOTAL’]);
return ‘<div style=”font-size:12px;opacity:.8;margin:.25rem 0″>Counts: ‘.implode(‘ | ‘,$parts).'</div>’;
}

public static function market($atts){
$a = shortcode_atts([
‘plans’ => ”,
‘rate_set’ => ”,
‘area’ => ‘1’,
‘sheet’ => ‘SxS_FLAT’,
// meta fields (all optional)
’employer’ => ”,
‘county’ => ”,
‘broker_name’ => ”,
‘broker_agency’ => ”,
‘broker_email’ => ”,
‘broker_phone’ => ”,
‘broker_website’ => ”,
‘disclaimer’ => ”,
// derive amounts (optional anchors)
‘known_plan’ => ”,
‘known_eo’ => ”,
], $atts);
$rate_set_id=STQ_Calc::rate_set_id($a[‘rate_set’]); $area=intval($a[‘area’]);
$plans=STQ_Calc::get_plans($rate_set_id,$area,null);
$rate21=STQ_Calc::rate21($rate_set_id,$area);
$amounts=[]; if($a[‘known_plan’] && $a[‘known_eo’]!==”) $amounts=STQ_Calc::derive_amounts($a[‘known_plan’], floatval($a[‘known_eo’]), $rate21);

// allow preview counts from a freshly uploaded census (safe)
$counts=self::parse_counts_from_upload();

ob_start();
echo ‘<form method=”post” enctype=”multipart/form-data” style=”margin:0 0 1rem 0″><label>Optional census CSV: <input type=”file” name=”stq_census” accept=”.csv”></label> <button class=”button”>Apply Counts</button></form>’;
if($counts) echo self::header_counts($counts);

echo ‘<div style=”overflow:auto”><table class=”widefat striped”>’;
$hdrs=[“Carrier”,”Plan #”,”Plan Name”,”Funding”,”Tier”,”Network Name”,”Network Type”,”Plan Type”,”Deductible – Individual”,”Deductible – Family”,”Coinsurance – Member”,”Coinsurance – Plan”,”Out-of-Pocket – Individual”,”Out-of-Pocket – Family”,”Virtual Visits”,”PCP <19″,”Primary”,”Specialist”,”Prescriptions”,”EO”,”ES”,”EC”,”EF”,”Total”];
if($counts){ $hdrs[19]=’EO (‘.$counts[‘EO’].’)’;$hdrs[20]=’ES (‘.$counts[‘ES’].’)’;$hdrs[21]=’EC (‘.$counts[‘EC’].’)’;$hdrs[22]=’EF (‘.$counts[‘EF’].’)’;$hdrs[23]=’Total (‘.$counts[‘TOTAL’].’)’;}
echo ‘<thead><tr>’; foreach($hdrs as $h){ echo ‘<th>’.esc_html($h).'</th>’; } echo ‘</tr></thead><tbody>’;

foreach($plans as $p){
$b=STQ_Calc::benefits($p[‘carrier’],$p[‘plan_code’]);
echo ‘<tr>’;
echo ‘<td>’.esc_html($p[‘carrier’]).'</td>’;
echo ‘<td>’.esc_html($p[‘plan_code’]).'</td>’;
echo ‘<td>’.esc_html($p[‘marketing_name’]).'</td>’;
echo ‘<td>’.esc_html($p[‘funding’]).'</td>’;
echo ‘<td>’.esc_html($p[‘metal’]).'</td>’;
echo ‘<td>’.esc_html($p[‘network_name’]).'</td>’;
echo ‘<td>’.esc_html($p[‘network_type’]).'</td>’;
echo ‘<td>’.esc_html($p[‘plan_type’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘deductible_individual’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘deductible_family’]).'</td>’;
echo ‘<td>’.self::fmt_coins($b[‘coinsurance_member’]).'</td>’;
echo ‘<td>’.self::fmt_coins($b[‘coinsurance_plan’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘oop_individual’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘oop_family’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘virtual_visits’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘pcp_under19′]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘primary_adult’]).'</td>’;
echo ‘<td>’.self::fmt_benefit($b[‘specialist’]).'</td>’;
echo ‘<td>’.esc_html($b[‘rx_string’]).'</td>’;
if(isset($amounts[$p[‘plan_code’]])){
echo ‘<td>’.STQ_Format::plain_money($amounts[$p[‘plan_code’]][‘EO’]).'</td>’;
echo ‘<td>’.STQ_Format::plain_money($amounts[$p[‘plan_code’]][‘ES’]).'</td>’;
echo ‘<td>’.STQ_Format::plain_money($amounts[$p[‘plan_code’]][‘EC’]).'</td>’;
echo ‘<td>’.STQ_Format::plain_money($amounts[$p[‘plan_code’]][‘EF’]).'</td>’;
echo ‘<td>’.STQ_Format::plain_money(array_sum($amounts[$p[‘plan_code’]])).'</td>’;
} else { echo ‘<td></td><td></td><td></td><td></td><td></td>’; }
echo ‘</tr>’;
}
echo ‘</tbody></table></div>’;

return ob_get_clean();
}

/* ===== START:

— census-aware renderer ===== */
public static function compare($atts){
$a = shortcode_atts([
‘plans’ => ”,
‘rate_set’ => ”,
‘area’ => ‘1’,
‘sheet’ => ”,
‘fast_strip’ => ‘0’,
‘stream’ => ‘0’,
‘drop_names’ => ‘0’,
‘dry_save’ => ‘0’,
‘nocache’ => ‘0’,

// optional meta (forwarded if present)
’employer’ => ”,
‘county’ => ”,
‘effective’ => ”,
‘rate_style’ => ”,
‘how’ => ”,
‘renewal_carrier’ => ”,
‘renewal_plan’ => ”,
‘renewal_eo’ => ”,
‘cnt_eo’ => ”,
‘cnt_es’ => ”,
‘cnt_ec’ => ”,
‘cnt_ef’ => ”,

// NEW: persisted census file path (absolute on server)
‘census_path’ => ”,

// broker/meta
‘broker_name’ => ”,
‘broker_agency’ => ”,
‘broker_email’ => ”,
‘broker_phone’ => ”,
‘broker_website’ => ”,
‘disclaimer’ => ”,
], $atts);

$plan_list = array_filter(array_map(‘trim’, explode(‘,’, $a[‘plans’])));

// —– Load plan columns (benefits + plan meta)
global $wpdb; $cols=[];
foreach($plan_list as $pc){
$p=$wpdb->get_row($wpdb->prepare(“SELECT * FROM {$wpdb->prefix}stq_plans WHERE year=%d AND plan_code=%s”,2025,$pc),ARRAY_A);
if(!$p) continue; $b=STQ_Calc::benefits($p[‘carrier’],$pc); $cols[$pc]=[‘plan’=>$p,’benefits’=>$b];
}

// —– Compute composite rates if we have an anchor (renewal EO or census file)
$amounts = []; // plan_code => [‘EO’=>..,’ES’=>..,’EC’=>..,’EF’=>..]
$rate_set_id = STQ_Calc::rate_set_id($a[‘rate_set’]);
$area = intval($a[‘area’]);

// Priority 1: explicit renewal EO
$renewalEO = is_numeric($a[‘renewal_eo’]) ? floatval($a[‘renewal_eo’]) : 0.0;
if ($renewalEO > 0 && !empty($plan_list)) {
$anchor = !empty($a[‘renewal_plan’]) ? $a[‘renewal_plan’] : $plan_list[0];
$r21map = STQ_Calc::rate21($rate_set_id, $area);
if (isset($r21map[$anchor]) && $r21map[$anchor] > 0) {
$amounts = STQ_Calc::derive_amounts($anchor, $renewalEO, $r21map);
}
}
// Priority 2: census anchor (if no renewal EO-derived amounts)
if (empty($amounts) && !empty($a[‘census_path’]) && is_readable($a[‘census_path’]) && !empty($plan_list)) {
$res = STQ_Calc::anchor_from_census_file(
$rate_set_id,
$area,
$plan_list,
$a[‘census_path’],
$a[‘effective’] ?: ”
);
if (!empty($res[‘amounts’]) && is_array($res[‘amounts’])) {
$amounts = $res[‘amounts’];
}
}

// Helper to compute group totals if counts present
$cntEO = intval($a[‘cnt_eo’] ?: 0);
$cntES = intval($a[‘cnt_es’] ?: 0);
$cntEC = intval($a[‘cnt_ec’] ?: 0);
$cntEF = intval($a[‘cnt_ef’] ?: 0);
$haveCounts = ($cntEO+$cntES+$cntEC+$cntEF) > 0;

ob_start();
echo ‘<div style=”overflow:auto”><table class=”widefat striped”><thead><tr><th>&nbsp;</th>’;
foreach($cols as $pc=>$col){ echo ‘<th>’.esc_html($pc.’ — ‘.$col[‘plan’][‘marketing_name’]).'</th>’; }
echo ‘</tr></thead><tbody>’;

$rows=[
‘Plan #’ => function($c,$pc){return esc_html($pc);},
‘Plan Name’ => function($c){return esc_html($c[‘plan’][‘marketing_name’]);},
‘Network Name’ => function($c){return esc_html($c[‘plan’][‘network_name’]);},
‘Network Type’ => function($c){return esc_html($c[‘plan’][‘network_type’]);},
‘Plan Type’ => function($c){return esc_html($c[‘plan’][‘plan_type’]);},
‘Deductible – Individual’ => function($c){return STQ_Format::money($c[‘benefits’][‘deductible_individual’]);},
‘Deductible – Family’ => function($c){return STQ_Format::money($c[‘benefits’][‘deductible_family’]);},
‘Coinsurance – Member’ => function($c){return STQ_Format::coins($c[‘benefits’][‘coinsurance_member’]);},
‘Coinsurance – Plan’ => function($c){return STQ_Format::coins($c[‘benefits’][‘coinsurance_plan’]);},
‘Out-of-Pocket – Individual’ => function($c){return STQ_Format::money($c[‘benefits’][‘oop_individual’]);},
‘Out-of-Pocket – Family’ => function($c){return STQ_Format::money($c[‘benefits’][‘oop_family’]);},
‘Virtual Visits’ => function($c){return STQ_Format::money($c[‘benefits’][‘virtual_visits’]);},
‘PCP <19’ => function($c){return STQ_Format::money($c[‘benefits’][‘pcp_under19’]);},
‘Primary’ => function($c){return STQ_Format::money($c[‘benefits’][‘primary_adult’]);},
‘Specialist’ => function($c){return STQ_Format::money($c[‘benefits’][‘specialist’]);},
‘Urgent Care’ => function($c){return STQ_Format::money($c[‘benefits’][‘urgent_care’]);},
‘Emergency’ => function($c){return STQ_Format::money($c[‘benefits’][’emergency’]);},
‘Lab/X-Ray’ => function($c){return STQ_Format::money($c[‘benefits’][‘lab_xray’]);},
‘Imaging’ => function($c){return STQ_Format::money($c[‘benefits’][‘imaging’]);},
‘Inpatient Services’ => function($c){return STQ_Format::money($c[‘benefits’][‘inpatient’]);},
‘Outpatient Surgery’ => function($c){return STQ_Format::money($c[‘benefits’][‘outpatient_surgery’]);},
‘Prescriptions’ => function($c){return esc_html($c[‘benefits’][‘rx_string’]);},
‘OON Deductible (Individual/Family)’ => function($c){
return STQ_Format::na_if_oonsuppressed_pair(
$c[‘benefits’][‘oon_ded_individual’] ?? ”,
$c[‘benefits’][‘oon_ded_family’] ?? ”,
$c[‘plan’][‘network_type’]
);
},
‘OON Coinsurance (Member)’ => function($c){
return STQ_Format::na_if_oonsuppressed_coins(
$c[‘benefits’][‘oon_coins_member’] ?? ”,
$c[‘plan’][‘network_type’]
);
},
‘OON Out-of-Pocket (Individual/Family)’ => function($c){
return STQ_Format::na_if_oonsuppressed_pair(
$c[‘benefits’][‘oon_oop_individual’] ?? ”,
$c[‘benefits’][‘oon_oop_family’] ?? ”,
$c[‘plan’][‘network_type’]
);
},
];

if (!empty($amounts)) {
$rows[‘Monthly Rate — EO’] = function($c,$pc) use ($amounts){ return isset($amounts[$pc][‘EO’]) ? STQ_Format::plain_money($amounts[$pc][‘EO’]) : ”; };
$rows[‘Monthly Rate — ES’] = function($c,$pc) use ($amounts){ return isset($amounts[$pc][‘ES’]) ? STQ_Format::plain_money($amounts[$pc][‘ES’]) : ”; };
$rows[‘Monthly Rate — EC’] = function($c,$pc) use ($amounts){ return isset($amounts[$pc][‘EC’]) ? STQ_Format::plain_money($amounts[$pc][‘EC’]) : ”; };
$rows[‘Monthly Rate — EF’] = function($c,$pc) use ($amounts){ return isset($amounts[$pc][‘EF’]) ? STQ_Format::plain_money($amounts[$pc][‘EF’]) : ”; };
if ($haveCounts) {
$rows[‘Monthly Total (group)’] = function($c,$pc) use ($amounts,$cntEO,$cntES,$cntEC,$cntEF){
if (empty($amounts[$pc])) return ”;
$m = $amounts[$pc];
$tot = ($m[‘EO’]*$cntEO) + ($m[‘ES’]*$cntES) + ($m[‘EC’]*$cntEC) + ($m[‘EF’]*$cntEF);
return STQ_Format::plain_money($tot);
};
}
}

foreach($rows as $label=>$fn){
echo ‘<tr><th>’.esc_html($label).'</th>’;
foreach($cols as $pc=>$col){ echo ‘<td>’.$fn($col,$pc).'</td>’; }
echo ‘</tr>’;
}

echo ‘</tbody></table></div>’;

/* ===== Export buttons ===== */
$final_plans = array_keys($cols);
if (!empty($final_plans)) {
$plans_csv = implode(‘,’, $final_plans);
$export_nonce = wp_create_nonce(‘stq_export_compare’);
$post_url = admin_url(‘admin-post.php’);

$hiddenMeta = function() use ($a, $plans_csv, $export_nonce) {
$h = ‘<input type=”hidden” name=”plans” value=”‘.esc_attr($plans_csv).'”>’;
$h .= ‘<input type=”hidden” name=”rate_set” value=”‘.esc_attr($a[‘rate_set’]).'”>’;
$h .= ‘<input type=”hidden” name=”area” value=”‘.esc_attr($a[‘area’]).'”>’;
if (!empty($a[‘sheet’])) {
$h .= ‘<input type=”hidden” name=”sheet” value=”‘.esc_attr($a[‘sheet’]).'”>’;
}
if (!empty($a[‘effective’])) {
$h .= ‘<input type=”hidden” name=”effective” value=”‘.esc_attr($a[‘effective’]).'”>’;
}
$h .= ‘<input type=”hidden” name=”_stq_export_nonce” value=”‘.esc_attr($export_nonce).'”>’;

foreach ([
’employer’,’county’,’effective’,’rate_style’,
‘how’,’renewal_carrier’,’renewal_plan’,’renewal_eo’,
‘cnt_eo’,’cnt_es’,’cnt_ec’,’cnt_ef’,
‘broker_name’,’broker_agency’,’broker_email’,’broker_phone’,’broker_website’,’disclaimer’,
‘census_path’
] as $k) {
if (isset($a[$k]) && $a[$k] !== ”) {
$h .= ‘<input type=”hidden” name=”‘.esc_attr($k).'” value=”‘.esc_attr($a[$k]).'”>’;
}
}

if ($a[‘fast_strip’] === ‘1’) $h .= ‘<input type=”hidden” name=”fast_strip” value=”1″>’;
if ($a[‘stream’] === ‘1’) $h .= ‘<input type=”hidden” name=”stream” value=”1″>’;
if ($a[‘drop_names’] === ‘1’) $h .= ‘<input type=”hidden” name=”drop_names” value=”1″>’;
if ($a[‘dry_save’] === ‘1’) $h .= ‘<input type=”hidden” name=”dry_save” value=”1″>’;
if ($a[‘nocache’] === ‘1’) $h .= ‘<input type=”hidden” name=”nocache” value=”1″>’;

return $h;
};

echo ‘<div style=”margin:12px 0; display:flex; gap:8px; flex-wrap:wrap;”>’;

echo ‘<form method=”post” action=”‘.esc_url($post_url).'”>’;
echo ‘<input type=”hidden” name=”action” value=”stq_export_compare_xlsx”>’;
echo $hiddenMeta();
echo ‘<button class=”button button-primary” type=”submit”>Download Excel</button>’;
echo ‘</form>’;

echo ‘<form method=”post” action=”‘.esc_url($post_url).'”>’;
echo ‘<input type=”hidden” name=”action” value=”stq_export_compare_pdf”>’;
echo $hiddenMeta();
echo ‘<button class=”button” type=”submit”>Download PDF</button>’;
echo ‘</form>’;

echo ‘<form method=”post” action=”‘.esc_url($post_url).'”>’;
echo ‘<input type=”hidden” name=”action” value=”stq_export_compare_html”>’;
echo $hiddenMeta();
echo ‘<button class=”button” type=”submit”>Download HTML</button>’;
echo ‘</form>’;

echo ‘<form method=”post” action=”‘.esc_url($post_url).'”>’;
echo ‘<input type=”hidden” name=”action” value=”stq_save_case”>’;
echo ‘<input type=”hidden” name=”_stq_save_case_nonce” value=”‘.esc_attr(wp_create_nonce(‘stq_save_case’)).'”>’;
echo $hiddenMeta();
echo ‘<button class=”button” type=”submit”>Save Quote</button>’;
echo ‘</form>’;

echo ‘</div>’;
}

return ob_get_clean();
}
/* ===== END:

===== */

/* ===== compare_picker — saves census + forwards to

===== */
public static function compare_picker($atts){
$a = shortcode_atts([
‘rate_set’ => ”,
‘area’ => ‘1’,
‘max_cols’ => ‘6’,
‘choose_for_me’ => ”,
‘bucket’ => ”,
‘anchor_plan’ => ”,
‘balance_by’ => ‘carrier’,
‘sheet’ => ”,
], $atts);

$rate_set_id = STQ_Calc::rate_set_id($a[‘rate_set’]);
$area = intval($a[‘area’]);
$max_cols = max(2, intval($a[‘max_cols’]));

// Persist census upload exactly once (to /stq-data/census)
$saved_census_path = ”;
if (!empty($_FILES[‘stq_census’][‘tmp_name’]) && is_uploaded_file($_FILES[‘stq_census’][‘tmp_name’])) {
$upload = function_exists(‘wp_get_upload_dir’) ? wp_get_upload_dir() : [‘basedir’=>WP_CONTENT_DIR.’/uploads’];
$base = rtrim($upload[‘basedir’],’/\\’).’/stq-data/census’;
if (!is_dir($base)) @wp_mkdir_p($base);
$fname = ‘census-‘.date(‘Ymd-His’).’-‘.wp_generate_password(6, false, false).’.csv’;
$dest = $base.’/’.$fname;
if (@move_uploaded_file($_FILES[‘stq_census’][‘tmp_name’], $dest)) {
@chmod($dest, 0644);
$saved_census_path = $dest;
}
}
// Prefer a previously forwarded census_path if present
$census_path = isset($_POST[‘census_path’]) && $_POST[‘census_path’] !== ”
? sanitize_text_field($_POST[‘census_path’])
: $saved_census_path;

global $wpdb;
$carriers=$wpdb->get_col($wpdb->prepare(
“SELECT DISTINCT carrier FROM {$wpdb->prefix}stq_plan_rates WHERE rate_set_id=%d AND rating_area_id=%d ORDER BY carrier”,
$rate_set_id,$area
));
$plans_by_c=[];
foreach($carriers as $c){
$rows=$wpdb->get_results($wpdb->prepare(
“SELECT r.plan_code, p.marketing_name
FROM {$wpdb->prefix}stq_plan_rates r
JOIN {$wpdb->prefix}stq_plans p
ON p.year=%d AND p.carrier=r.carrier AND p.plan_code=r.plan_code
WHERE r.rate_set_id=%d AND r.rating_area_id=%d AND r.carrier=%s
ORDER BY CAST(SUBSTRING(r.plan_code,2) AS UNSIGNED) ASC”,
2025,$rate_set_id,$area,$c
),ARRAY_A);
$plans_by_c[$c]=$rows;
}

// Prefill via Compare Picker Plus (if available)
$prefill = [];
$chooseN = intval($a[‘choose_for_me’]);
$bucket = sanitize_text_field($a[‘bucket’]);
$anchor = sanitize_text_field($a[‘anchor_plan’]);
$balance = sanitize_text_field($a[‘balance_by’]);

if ($chooseN > 0 && $bucket && class_exists(‘STQ_Compare_Picker_Plus’) && method_exists(‘STQ_Compare_Picker_Plus’,’auto_select’)) {
$picked = STQ_Compare_Picker_Plus::auto_select([
‘count’ => $chooseN,
‘bucket’ => $bucket,
‘rating_area_id’ => $area,
‘rate_set’ => $a[‘rate_set’],
‘anchor_plan’ => $anchor,
‘balance_by’ => $balance ?: ‘carrier’,
]);
if (!empty($picked)) {
$prefill = array_slice(array_values(array_unique($picked)), 0, $max_cols);
}
}

ob_start(); ?>
<div class=”stq-compare-picker-root”>
<form method=”post”>
<?php if ($census_path): ?>
<div style=”font-size:12px;opacity:.8;margin-bottom:8px;”>Census attached ✓</div>
<?php endif; ?>
<div style=”display:flex;gap:12px;flex-wrap:wrap;”>
<?php for($i=0;$i<$max_cols;$i++): ?>
<div style=”min-width:260px;border:1px solid #ddd;padding:8px;border-radius:8px;”>
<div><label>Carrier<br>
<select name=”carrier[]” class=”stq-carrier” data-slot=”<?php echo $i; ?>”>
<option value=””>— Select Carrier —</option>
<?php foreach($carriers as $c): ?>
<option value=”<?php echo esc_attr($c); ?>”><?php echo esc_html($c); ?></option>
<?php endforeach; ?>
</select></label>
</div>
<div style=”margin-top:6px;”><label>Plan<br>
<select name=”plan_code[]” class=”stq-plan” data-slot=”<?php echo $i; ?>”>
<option value=””>— Select Plan —</option>
</select></label>
</div>
</div>
<?php endfor; ?>
</div>
<div style=”margin-top:10px;”>
<button class=”button button-primary” name=”stq_compare_submit” value=”1″>Compare</button>
</div>

<!– meta forwarded from intake (if present) –>
<input type=”hidden” name=”employer” value=”<?php echo esc_attr($_POST[’employer’] ?? ”); ?>”>
<input type=”hidden” name=”county” value=”<?php echo esc_attr($_POST[‘county’] ?? ”); ?>”>
<input type=”hidden” name=”sheet” value=”<?php echo esc_attr($a[‘sheet’]); ?>”>

<!– ensure rate_set/area are present even if picker is used standalone –>
<input type=”hidden” name=”rate_set” value=”<?php echo esc_attr($_POST[‘rate_set’] ?? $a[‘rate_set’]); ?>”>
<input type=”hidden” name=”area” value=”<?php echo esc_attr($_POST[‘area’] ?? $a[‘area’]); ?>”>

<!– new fields carried from intake –>
<input type=”hidden” name=”effective” value=”<?php echo esc_attr($_POST[‘effective’] ?? ”); ?>”>
<input type=”hidden” name=”rate_style” value=”<?php echo esc_attr($_POST[‘rate_style’] ?? ”); ?>”>
<input type=”hidden” name=”how” value=”<?php echo esc_attr($_POST[‘how’] ?? ”); ?>”>
<input type=”hidden” name=”renewal_carrier” value=”<?php echo esc_attr($_POST[‘renewal_carrier’] ?? ”); ?>”>
<input type=”hidden” name=”renewal_plan” value=”<?php echo esc_attr($_POST[‘renewal_plan’] ?? ”); ?>”>
<input type=”hidden” name=”renewal_eo” value=”<?php echo esc_attr($_POST[‘renewal_eo’] ?? ”); ?>”>
<input type=”hidden” name=”cnt_eo” value=”<?php echo esc_attr($_POST[‘cnt_eo’] ?? ”); ?>”>
<input type=”hidden” name=”cnt_es” value=”<?php echo esc_attr($_POST[‘cnt_es’] ?? ”); ?>”>
<input type=”hidden” name=”cnt_ec” value=”<?php echo esc_attr($_POST[‘cnt_ec’] ?? ”); ?>”>
<input type=”hidden” name=”cnt_ef” value=”<?php echo esc_attr($_POST[‘cnt_ef’] ?? ”); ?>”>
<!– NEW: forward persisted census path –>
<input type=”hidden” name=”census_path” value=”<?php echo esc_attr($census_path); ?>”>
</form>
</div>

<script>(function(){
const M=<?php echo json_encode($plans_by_c); ?>;

function fill(slot,carrier){
const sel=document.querySelector(‘.stq-plan[data-slot=”‘+slot+'”]’);
if(!sel) return;
sel.innerHTML='<option value=””><?php echo esc_js(‘— Select Plan —’); ?></option>’;
if(!carrier||!M[carrier]) return;
M[carrier].forEach(function(p){
const opt=document.createElement(‘option’); opt.value=p.plan_code; opt.textContent=p.marketing_name; sel.appendChild(opt);
});
}
document.querySelectorAll(‘.stq-carrier’).forEach(function(c){
c.addEventListener(‘change’,function(){ fill(c.getAttribute(‘data-slot’),c.value); });
});

const PLAN2CARRIER = {};
Object.keys(M).forEach(function(carrier){
(M[carrier]||[]).forEach(function(p){ PLAN2CARRIER[p.plan_code]=carrier; });
});

const PREFILL = <?php echo json_encode(array_values($prefill)); ?>;
if (Array.isArray(PREFILL) && PREFILL.length){
PREFILL.forEach(function(code, idx){
const slot = idx;
const carrier = PLAN2CARRIER[code] || ”;
const carrierSel = document.querySelector(‘.stq-carrier[data-slot=”‘+slot+'”]’);
if (!carrierSel || !carrier) return;
carrierSel.value = carrier;
fill(slot, carrier);
const planSel = document.querySelector(‘.stq-plan[data-slot=”‘+slot+'”]’);
if (planSel){ planSel.value = code; }
});
}
})();</script>
<?php
if($_SERVER[‘REQUEST_METHOD’]===’POST’ && isset($_POST[‘stq_compare_submit’])){
$plans=isset($_POST[‘plan_code’])?array_filter(array_map(‘sanitize_text_field’,(array)$_POST[‘plan_code’])):[];
if(!empty($plans)){
$employer = isset($_POST[’employer’]) ? sanitize_text_field($_POST[’employer’]) : ”;
$county = isset($_POST[‘county’]) ? sanitize_text_field($_POST[‘county’]) : ”;
$rate_set = isset($_POST[‘rate_set’]) ? sanitize_text_field($_POST[‘rate_set’]) : (isset($a[‘rate_set’]) ? $a[‘rate_set’] : ”);
$area = isset($_POST[‘area’]) ? intval($_POST[‘area’]) : (isset($a[‘area’]) ? intval($a[‘area’]) : 1);
$effective = isset($_POST[‘effective’]) ? sanitize_text_field($_POST[‘effective’]) : ”;
$census_path = isset($_POST[‘census_path’]) ? sanitize_text_field($_POST[‘census_path’]) : ”;

$sc = ‘

) ? ‘ sheet=”‘.esc_attr($a[‘sheet’]).'”‘ : ”).
($effective!==” ? ‘ effective=”‘.esc_attr($effective).'”‘ : ”).
(isset($_POST[‘rate_style’]) && $_POST[‘rate_style’]!==”
? ‘ rate_style=”‘.esc_attr(sanitize_text_field($_POST[‘rate_style’])).'”‘
: ”).
($employer!==” ? ‘ employer=”‘.esc_attr($employer).'”‘ : ”).
($county!==” ? ‘ county=”‘.esc_attr($county).'”‘ : ”).
(isset($_POST[‘how’]) && $_POST[‘how’]!==” ? ‘ how=”‘.esc_attr(sanitize_text_field($_POST[‘how’])).'”‘ : ”).
(isset($_POST[‘renewal_carrier’]) ? ‘ renewal_carrier=”‘.esc_attr(sanitize_text_field($_POST[‘renewal_carrier’])).'”‘ : ”).
(isset($_POST[‘renewal_plan’]) ? ‘ renewal_plan=”‘.esc_attr(sanitize_text_field($_POST[‘renewal_plan’])).'”‘ : ”).
(isset($_POST[‘renewal_eo’]) ? ‘ renewal_eo=”‘.esc_attr(sanitize_text_field($_POST[‘renewal_eo’])).'”‘ : ”).
(isset($_POST[‘cnt_eo’]) ? ‘ cnt_eo=”‘.esc_attr(sanitize_text_field($_POST[‘cnt_eo’])).'”‘ : ”).
(isset($_POST[‘cnt_es’]) ? ‘ cnt_es=”‘.esc_attr(sanitize_text_field($_POST[‘cnt_es’])).'”‘ : ”).
(isset($_POST[‘cnt_ec’]) ? ‘ cnt_ec=”‘.esc_attr(sanitize_text_field($_POST[‘cnt_ec’])).'”‘ : ”).
(isset($_POST[‘cnt_ef’]) ? ‘ cnt_ef=”‘.esc_attr(sanitize_text_field($_POST[‘cnt_ef’])).'”‘ : ”).
($census_path!==” ? ‘ census_path=”‘.esc_attr($census_path).'”‘ : ”).
‘]’;

echo do_shortcode($sc);
}
}
return ob_get_clean();
}
/* ===== /compare_picker ===== */

/* =====

Employer Name

Effective Date Jul 1, 2026 Jul 15, 2026 Aug 1, 2026 Aug 15, 2026 Sep 1, 2026 Sep 15, 2026 Oct 1, 2026 Oct 15, 2026 Nov 1, 2026 Nov 15, 2026 Dec 1, 2026 Dec 15, 2026

(Only 1st or 15th of a month)

County — Select County — Anderson Andrews Angelina Aransas Archer Armstrong Atascosa Austin Bailey Bandera Bastrop Baylor Bee Bell Bexar Blanco Borden Bosque Bowie Brazoria Brazos Brewster Briscoe Brooks Brown Burleson Burnet Caldwell Calhoun Callahan Cameron Camp Carson Cass Castro Chambers Cherokee Childress Clay Cochran Coke Coleman Collin Collingsworth Colorado Comal Comanche Concho Cooke Coryell Cottle Crane Crockett Crosby Culberson Dallam Dallas Dawson Deaf Smith Delta Denton DeWitt Dickens Dimmit Donley Duval Eastland Ector Edwards El Paso Ellis Erath Falls Fannin Fayette Fisher Floyd Foard Fort Bend Franklin Freestone Frio Gaines Galveston Garza Gillespie Glasscock Goliad Gonzales Gray Grayson Gregg Grimes Guadalupe Hale Hall Hamilton Hansford Hardeman Hardin Harris Harrison Hartley Haskell Hays Hemphill Henderson Hidalgo Hill Hockley Hood Hopkins Houston Howard Hudspeth Hunt Hutchinson Irion Jack Jackson Jasper Jeff Davis Jefferson Jim Hogg Jim Wells Johnson Jones Karnes Kaufman Kendall Kenedy Kent Kerr Kimble King Kinney Kleberg Knox La Salle Lamar Lamb Lampasas Lavaca Lee Leon Liberty Limestone Lipscomb Live Oak Llano Loving Lubbock Lynn Madison Marion Martin Mason Matagorda Maverick McCulloch McLennan McMullen Medina Menard Midland Milam Mills Mitchell Montague Montgomery Moore Morris Motley Nacogdoches Navarro Newton Nolan Nueces Ochiltree Oldham Orange Palo Pinto Panola Parker Parmer Pecos Polk Potter Presidio Rains Randall Reagan Real Red River Reeves Refugio Roberts Robertson Rockwall Runnels Rusk Sabine San Augustine San Jacinto San Patricio San Saba Schleicher Scurry Shackelford Shelby Sherman Smith Somervell Starr Stephens Sterling Stonewall Sutton Swisher Tarrant Taylor Terrell Terry Throckmorton Titus Tom Green Travis Trinity Tyler Upshur Upton Uvalde Val Verde Van Zandt Victoria Walker Waller Ward Washington Webb Wharton Wheeler Wichita Wilbarger Willacy Williamson Wilson Winkler Wise Wood Yoakum Young Zapata Zavala

Rating Area:

Initial View Side-by-side Runtime (Lite)

How do you want to quote?

Renewal only (composite) Census only Both (renewal + census)

Which option should I choose?

Quote from Renewal (Composite): Use when the employer has a fully-insured, composite-rated small group plan. No census is needed—enter the employee-only renewal rate for any plan they offer (it doesn’t have to be the current plan).

Quote from Census: Use for new groups, groups without a fully-insured plan (e.g., level-funded), or when you want age-rate detail on the side-by-side.

Both: Use when the group is composite-rated but the enrollment census has changed since the carrier issued renewal.

How is the group currently rated?

Composite (tiered) Age-rated (per member)

This is used to calculate the renewal increase; it doesn’t limit what you compare.

Optional Census CSV:

Current Carrier — Select Carrier — BCBSTX BSW UHC Memorial Hermann (MH)

Select Any Renewal Plan — Select Plan —

Renewal EO Rate

Current Plans (optional)

Add the group’s current plan(s) to enable auto-recommendations and current→renewal views.

Current Carrier — Select Carrier — BCBSTX BSW UHC

Current Rating Composite Age-rated

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

EO Count

ES Count

EC Count

EF Count

NEXT: CHOOSE PLANS

— intake form + picker hand-off ===== */
public static function quote_intake($atts){
$a = shortcode_atts([
‘sheet’ => ‘SxS_FLAT’,
‘rate_set’ => ‘2025-Q1’,
], $atts);

/* ———- Load counties/areas from CSV (TX-only) ———- */
$COUNTY_OPTIONS = [];
$COUNTY_AREA_MAP = [];
try {
$upload = function_exists(‘wp_get_upload_dir’) ? wp_get_upload_dir() : [‘basedir’ => WP_CONTENT_DIR . ‘/uploads’];
$basedir = rtrim($upload[‘basedir’], ‘/\\’);
$candidates = [
$basedir . ‘/stq-data/county_areas_tx.csv’,
$basedir . ‘/stq-data/county_areas.csv’,
];
foreach ($candidates as $csvPath) {
if (!is_readable($csvPath)) continue;
if (($fh = fopen($csvPath, ‘r’)) === false) continue;
$hdr = fgetcsv($fh);
if (!$hdr) { fclose($fh); continue; }
$idx = array_change_key_case(array_flip($hdr), CASE_LOWER);
$col_county = $idx[‘county’] ?? null;
$col_area = $idx[‘area’] ?? $idx[‘rating area’] ?? $idx[‘rating_area’] ?? null;
if ($col_county === null || $col_area === null) { fclose($fh); continue; }

while (($row = fgetcsv($fh)) !== false) {
$co = trim((string)$row[$col_county]);
$ar = (int)trim((string)$row[$col_area]);
if ($co !== ” && $ar > 0) $COUNTY_AREA_MAP[$co] = $ar;
}
fclose($fh);
break;
}
} catch (\Throwable $e) { /* ignore */ }

if (empty($COUNTY_AREA_MAP)) {
$COUNTY_OPTIONS = apply_filters(‘stq_county_options’, []);
$COUNTY_AREA_MAP = apply_filters(‘stq_county_area_map’, []);
} else {
$COUNTY_OPTIONS = array_keys($COUNTY_AREA_MAP);
}

/* ———- Effective dates (1st/15th only) ———- */
$EFFECTIVE_OPTIONS = apply_filters(‘stq_effective_options’, []);
if (empty($EFFECTIVE_OPTIONS) && class_exists(‘STQ_Calc’) && method_exists(‘STQ_Calc’,’effective_options’)) {
$EFFECTIVE_OPTIONS = (array) STQ_Calc::effective_options();
}
if (empty($EFFECTIVE_OPTIONS)) {
$out = [];
$y = (int)date(‘Y’);
$m = (int)date(‘n’);
$q = intdiv(($m-1),3) + 1;
$qStartMonth = ($q-1)*3 + 1;
for ($i=0;$i<3;$i++) {
$mm = $qStartMonth + $i;
$out[] = sprintf(‘%04d-%02d-01’,$y,$mm);
$out[] = sprintf(‘%04d-%02d-15’,$y,$mm);
}
$nextQ = ($q==4)?1:$q+1;
$nextY = ($q==4)?$y+1:$y;
$nextQStartMonth = ($nextQ-1)*3 + 1;
$nextRateSet = sprintf(‘%04dQ%d’,$nextY,$nextQ);
if (class_exists(‘STQ_Calc’) && method_exists(‘STQ_Calc’,’rate_set_exists’) && STQ_Calc::rate_set_exists($nextRateSet)) {
for ($i=0;$i<3;$i++) {
$mm = $nextQStartMonth + $i;
$out[] = sprintf(‘%04d-%02d-01’,$nextY,$mm);
$out[] = sprintf(‘%04d-%02d-15’,$nextY,$mm);
}
}
$EFFECTIVE_OPTIONS = $out;
}

// TEMP: lock to 2025 Q1
$EFFECTIVE_OPTIONS = [
‘2025-01-01′,’2025-01-15’,
‘2025-02-01′,’2025-02-15’,
‘2025-03-01′,’2025-03-15’,
];

/* ———- Derivers ———- */
$rate_set_for_effective = function($effective, $defaultRS){
if (class_exists(‘STQ_Calc’) && method_exists(‘STQ_Calc’,’rate_set_for_effective’)) {
$rs = STQ_Calc::rate_set_for_effective($effective);
if (!empty($rs)) return $rs;
}
return $defaultRS;
};
$area_for = function($rate_set, $county) use ($COUNTY_AREA_MAP){
if (class_exists(‘STQ_Calc’) && method_exists(‘STQ_Calc’,’rating_area_for_county’)) {
$d = STQ_Calc::rating_area_for_county($rate_set, $county);
if (!empty($d)) return intval($d);
}
if ($county && isset($COUNTY_AREA_MAP[$county])) return intval($COUNTY_AREA_MAP[$county]);
return 1;
};

/* ———- Carriers & renewal plan list ———- */
$CARRIERS = [‘BCBSTX’=>’BCBSTX’,’BSW’=>’BSW’,’UHC’=>’UHC’,’MH’=>’Memorial Hermann (MH)’];
$plans_by_carrier = [];
if (class_exists(‘STQ_Calc’)) {
global $wpdb;
$rate_set_id = STQ_Calc::rate_set_id($a[‘rate_set’]);
$rows = $wpdb->get_results($wpdb->prepare(
“SELECT r.carrier, r.plan_code, p.marketing_name
FROM {$wpdb->prefix}stq_plan_rates r
JOIN {$wpdb->prefix}stq_plans p
ON p.year=%d AND p.carrier=r.carrier AND p.plan_code=r.plan_code
WHERE r.rate_set_id=%d
GROUP BY r.carrier, r.plan_code, p.marketing_name
ORDER BY r.carrier ASC, CAST(SUBSTRING(r.plan_code,2) AS UNSIGNED) ASC”,
2025, $rate_set_id
), ARRAY_A);
foreach ((array)$rows as $row){
$c = (string)$row[‘carrier’];
$plans_by_carrier[$c][] = [‘plan_code’=>$row[‘plan_code’], ‘marketing_name’=>$row[‘marketing_name’]];
}
}

/* ———- View labels → sheet ———- */
$VIEW_MAP = [
‘Side-by-side’ => ‘SxS_FLAT’,
‘Runtime (Lite)’ => ‘SxS_RUNTIME’,
];
$initial_view_label = array_search($a[‘sheet’], $VIEW_MAP, true);
if ($initial_view_label===false) $initial_view_label = ‘Side-by-side’;

/* ———- Handle submit ———- */
if ($_SERVER[‘REQUEST_METHOD’]===’POST’ && ( isset($_POST[‘stq_intake_submit’]) || isset($_POST[‘stq_compare_submit’]) )) {
$employer = sanitize_text_field($_POST[’employer’] ?? ”);
$state = strtoupper(sanitize_text_field($_POST[‘state’] ?? ($GLOBALS[‘__STQ_STATE_NOW__’] ?? ‘TX’)));
$county = sanitize_text_field($_POST[‘county’] ?? ”);
$effective = sanitize_text_field($_POST[‘effective’]?? ”);
$how = sanitize_text_field($_POST[‘how’] ?? ‘both’);
$rate_style = sanitize_text_field($_POST[‘rate_style’] ?? ‘composite’);
$sheetLbl = sanitize_text_field($_POST[‘sheet_label’] ?? $initial_view_label);
$sheet = $VIEW_MAP[$sheetLbl] ?? $a[‘sheet’];

$rate_set = $rate_set_for_effective($effective, $a[‘rate_set’]);
$map_by_state = $GLOBALS[‘__STQ_COUNTY_MAP_BY_STATE__’] ?? [];
$area = 1;
if (!empty($map_by_state[$state]) && !empty($map_by_state[$state][$county])) {
$area = intval($map_by_state[$state][$county]);
} else {
$area = $area_for($rate_set, $county);
}

// ===== Persist census upload ONCE and compute counts safely =====
$census_path = ”;
if (!empty($_FILES[‘stq_census’][‘tmp_name’]) && is_uploaded_file($_FILES[‘stq_census’][‘tmp_name’])) {
$upload = function_exists(‘wp_get_upload_dir’) ? wp_get_upload_dir() : [‘basedir’=>WP_CONTENT_DIR.’/uploads’];
$base = rtrim($upload[‘basedir’],’/\\’).’/stq-data/census’;
if (!is_dir($base)) @wp_mkdir_p($base);
$fn = ‘census-‘.date(‘Ymd-His’).’-‘.wp_generate_password(8,false,false).’.csv’;
$dest = $base.’/’.$fn;
if (@move_uploaded_file($_FILES[‘stq_census’][‘tmp_name’], $dest)) {
@chmod($dest, 0644);
$census_path = $dest;
}
}

// renewal (optional) + counts
$renewal = [
‘carrier’ => sanitize_text_field($_POST[‘renewal_carrier’] ?? ”),
‘plan’ => sanitize_text_field($_POST[‘renewal_plan’] ?? ”),
‘eo’ => floatval($_POST[‘renewal_eo’] ?? 0),
‘EO’ => intval($_POST[‘cnt_eo’] ?? 0),
‘ES’ => intval($_POST[‘cnt_es’] ?? 0),
‘EC’ => intval($_POST[‘cnt_ec’] ?? 0),
‘EF’ => intval($_POST[‘cnt_ef’] ?? 0),
];

// If we have a saved census, prefer its counts
$counts_from_csv = self::parse_counts_from_upload($census_path);
if (is_array($counts_from_csv) && !empty($counts_from_csv[‘TOTAL’])) {
$renewal[‘EO’] = intval($counts_from_csv[‘EO’] ?? $renewal[‘EO’]);
$renewal[‘ES’] = intval($counts_from_csv[‘ES’] ?? $renewal[‘ES’]);
$renewal[‘EC’] = intval($counts_from_csv[‘EC’] ?? $renewal[‘EC’]);
$renewal[‘EF’] = intval($counts_from_csv[‘EF’] ?? $renewal[‘EF’]);
}

echo ‘<div id=”stq-picker-anchor”></div>’;

// Confirmation strip
echo ‘<div style=”margin:8px 0 12px 0;padding:10px;border:1px solid #e5e7eb;border-radius:6px;background:#fafafa”>’;
echo ‘<div><strong>Employer:</strong> ‘.esc_html($employer ?: ‘(not set)’).'</div>’;
echo ‘<div><strong>Effective:</strong> ‘.esc_html($effective ?: ‘(not set)’).’ &nbsp; <strong>Area:</strong> ‘.esc_html($area ?: ‘(n/a)’).’ &nbsp; <strong>Rating:</strong> ‘.esc_html($rate_style ?: ‘(n/a)’).'</div>’;
if (!empty($renewal[‘EO’]) || !empty($renewal[‘ES’]) || !empty($renewal[‘EC’]) || !empty($renewal[‘EF’])) {
$tot = intval($renewal[‘EO’]) + intval($renewal[‘ES’]) + intval($renewal[‘EC’]) + intval($renewal[‘EF’]);
echo ‘<div style=”opacity:.9;margin-top:4px”>Counts → EO ‘.intval($renewal[‘EO’]).’ / ES ‘.intval($renewal[‘ES’]).’ / EC ‘.intval($renewal[‘EC’]).’ / EF ‘.intval($renewal[‘EF’]).’ &nbsp; (Total ‘.$tot.’)</div>’;
}
if ($census_path !== ”) {
echo ‘<div style=”opacity:.8;margin-top:4px;font-size:12px”>Census attached ✓</div>’;
}
echo ‘</div>’;

// Render the picker (passes effective + rate_style as before)
echo do_shortcode(
‘

‘
);
?>
<script>
// Inject hidden fields into the picker form
(function(){
function input(n,v){ const i=document.createElement(‘input’); i.type=’hidden’; i.name=n; i.value=v; return i; }
const btn = document.querySelector(‘button[name=”stq_compare_submit”]’);
if (!btn || !btn.form) return;
const f = btn.form;
f.appendChild(input(’employer’, <?php echo json_encode($employer); ?>));
f.appendChild(input(‘state’, <?php echo json_encode($state); ?>));
f.appendChild(input(‘county’, <?php echo json_encode($county); ?>));
f.appendChild(input(‘sheet’, <?php echo json_encode($sheet); ?>));
f.appendChild(input(‘rate_set’, <?php echo json_encode($rate_set); ?>));
f.appendChild(input(‘effective’, <?php echo json_encode($effective); ?>));
f.appendChild(input(‘area’, <?php echo json_encode($area); ?>));
f.appendChild(input(‘how’, <?php echo json_encode($how); ?>));
f.appendChild(input(‘rate_style’, <?php echo json_encode($rate_style); ?>));
f.appendChild(input(‘renewal_carrier’, <?php echo json_encode($renewal[‘carrier’]); ?>));
f.appendChild(input(‘renewal_plan’, <?php echo json_encode($renewal[‘plan’]); ?>));
f.appendChild(input(‘renewal_eo’, <?php echo json_encode($renewal[‘eo’]); ?>));
f.appendChild(input(‘cnt_eo’, <?php echo json_encode($renewal[‘EO’]); ?>));
f.appendChild(input(‘cnt_es’, <?php echo json_encode($renewal[‘ES’]); ?>));
f.appendChild(input(‘cnt_ec’, <?php echo json_encode($renewal[‘EC’]); ?>));
f.appendChild(input(‘cnt_ef’, <?php echo json_encode($renewal[‘EF’]); ?>));
// Pass the persisted census file (if any)
f.appendChild(input(‘census_path’, <?php echo json_encode($census_path); ?>));
})();
</script>
<?php
return ”;
}

/* ———- Render intake form ———- */
ob_start();
?>
<style>
.stq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.stq-card{border:1px solid #e2e4e7;padding:14px;border-radius:10px;margin:12px 0;}
.stq-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:end;}
.stq-row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;align-items:end;}
.stq-row-4{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;align-items:end;}
@media (max-width: 860px){
.stq-grid{grid-template-columns:1fr;}
.stq-row,.stq-row-3,.stq-row-4{grid-template-columns:1fr;}
}
.stq-wide input,.stq-wide select{width:100%;}
.stq-label{font-weight:600;margin-bottom:6px;display:block;}
.stq-muted{color:#6b7280;font-size:12px;margin-top:4px;}
.stq-btn-primary{background:#d7263d;color:#fff;border:none;border-radius:8px;padding:12px 18px;font-weight:700;cursor:pointer;}
.stq-radios{display:flex;gap:28px;align-items:center;flex-wrap:wrap;margin:6px 0 10px;}
.stq-radio{display:flex;gap:8px;align-items:center;}
.stq-radio span{white-space:nowrap;}
</style>

<form method=”post” enctype=”multipart/form-data” class=”stq-wide”>
<div class=”stq-grid”>
<div>
<label class=”stq-label”>Employer Name</label>
<input type=”text” name=”employer” placeholder=”Company Inc.” />
</div>
<div>
<label class=”stq-label”>Effective Date</label>
<select name=”effective”>
<?php foreach($EFFECTIVE_OPTIONS as $d): ?>
<option value=”<?php echo esc_attr($d); ?>”><?php echo esc_html(date(‘M j, Y’, strtotime($d))); ?></option>
<?php endforeach; ?>
</select>
<div class=”stq-muted”>(Only 1st or 15th of a month)</div>
</div>

<div>
<label class=”stq-label”>County</label>
<?php if (!empty($COUNTY_OPTIONS)): ?>
<select name=”county” id=”stq-county”>
<option value=””>— Select County —</option>
<?php foreach($COUNTY_OPTIONS as $co): ?>
<option value=”<?php echo esc_attr($co); ?>”><?php echo esc_html($co); ?></option>
<?php endforeach; ?>
</select>
<?php else: ?>
<input type=”text” id=”stq-county” name=”county” placeholder=”County” />
<?php endif; ?>
<div id=”stq-area-line” class=”stq-muted” style=”display:none;”>
Rating Area: <span id=”stq-area-val”></span>
</div>
<input type=”hidden” name=”stq_area” id=”stq-area-hidden” value=””>
</div>

<div>
<label class=”stq-label”>Initial View</label>
<select name=”sheet_label”>
<?php foreach($VIEW_MAP as $label=>$sheetName): ?>
<option value=”<?php echo esc_attr($label); ?>” <?php selected($label,$initial_view_label); ?>>
<?php echo esc_html($label); ?>
</option>
<?php endforeach; ?>
</select>
</div>
</div>

<div class=”stq-card”>
<div class=”stq-label”>How do you want to quote?</div>
<div class=”stq-radios”>
<label class=”stq-radio”><input type=”radio” name=”how” value=”renewal” /> <span>Renewal only (composite)</span></label>
<label class=”stq-radio”><input type=”radio” name=”how” value=”census” /> <span>Census only</span></label>
<label class=”stq-radio”><input type=”radio” name=”how” value=”both” checked /> <span>Both (renewal + census)</span></label>
</div>

<div class=”stq-muted” style=”margin-top:6px;”>
<details>
<summary style=”cursor:pointer;font-weight:600;”>Which option should I choose?</summary>
<div style=”margin-top:8px;line-height:1.45;”>
<p><strong>Quote from Renewal (Composite):</strong> Use when the employer has a fully-insured, composite-rated small group plan. No census is needed—enter the employee-only renewal rate for any plan they offer (it doesn’t have to be the current plan).</p>
<p><strong>Quote from Census:</strong> Use for new groups, groups without a fully-insured plan (e.g., level-funded), or when you want age-rate detail on the side-by-side.</p>
<p><strong>Both:</strong> Use when the group is composite-rated but the enrollment census has changed since the carrier issued renewal.</p>
</div>
</details>
</div>

<div class=”stq-label” style=”margin-top:12px;”><strong>How is the group currently rated?</strong></div>
<div class=”stq-radios” style=”margin-top:4px;”>
<label class=”stq-radio”>
<input type=”radio” name=”rate_style” value=”composite” checked />
<span>Composite (tiered)</span>
</label>
<label class=”stq-radio”>
<input type=”radio” name=”rate_style” value=”age” />
<span>Age-rated (per member)</span>
</label>
</div>
<div class=”stq-muted” style=”margin-top:4px;”>
This is used to calculate the renewal increase; it doesn’t limit what you compare.
</div>

<div id=”stq-census-row” style=”margin-top:6px; display:none;”>
<span class=”stq-label”>Optional Census CSV:</span>
<input type=”file” name=”stq_census” accept=”.csv”>
</div>
</div>

<div class=”stq-card” id=”stq-renewal-block”>
<div class=”stq-row-3″>
<div>
<label class=”stq-label”>Current Carrier</label>
<select name=”renewal_carrier” id=”stq-renewal-carrier”>
<option value=””>— Select Carrier —</option>
<?php foreach($CARRIERS as $key=>$label): ?>
<option value=”<?php echo esc_attr($key); ?>”><?php echo esc_html($label); ?></option>
<?php endforeach; ?>
</select>
</div>
<div>
<label class=”stq-label”>Select Any Renewal Plan</label>
<select name=”renewal_plan” id=”stq-renewal-plan”>
<option value=””>— Select Plan —</option>
</select>
</div>
<div>
<label class=”stq-label”>Renewal EO Rate</label>
<input type=”number” step=”0.01″ name=”renewal_eo” placeholder=”e.g., 475.00″ />
</div>
</div>

<div class=”stq-row-4″ style=”margin-top:10px;”>
<div><label class=”stq-label”>EO Count</label><input type=”number” name=”cnt_eo” value=”0″ min=”0″ /></div>
<div><label class=”stq-label”>ES Count</label><input type=”number” name=”cnt_es” value=”0″ min=”0″ /></div>
<div><label class=”stq-label”>EC Count</label><input type=”number” name=”cnt_ec” value=”0″ min=”0″ /></div>
<div><label class=”stq-label”>EF Count</label><input type=”number” name=”cnt_ef” value=”0″ min=”0″ /></div>
</div>
</div>

<div style=”margin-top:12px;”>
<button class=”stq-btn-primary” type=”submit” name=”stq_intake_submit” value=”1″>NEXT: CHOOSE PLANS</button>
</div>
</form>

<script>
// County → Area preview + hidden (TX-only)
(function(){
const countyEl = document.getElementById(‘stq-county’);
const line = document.getElementById(‘stq-area-line’);
const out = document.getElementById(‘stq-area-val’);
const hidden = document.getElementById(‘stq-area-hidden’);
if (!countyEl) return;

const MAP = <?php echo json_encode($COUNTY_AREA_MAP ?: new stdClass()); ?>;

function updateArea(){
const co = countyEl.value || ”;
const area = MAP && MAP[co] ? MAP[co] : ”;
if (area){
line.style.display = ‘block’;
out.textContent = area;
hidden.value = area;
} else {
line.style.display = ‘none’;
out.textContent = ”;
hidden.value = ”;
}
}

countyEl.addEventListener(‘change’, updateArea);
updateArea();
})();

// Renewal plan dropdown depends on carrier
(function(){
const M = <?php echo json_encode($plans_by_carrier); ?>;
const cSel = document.getElementById(‘stq-renewal-carrier’);
const pSel = document.getElementById(‘stq-renewal-plan’);
function fill(){
if(!cSel||!pSel) return;
const c = cSel.value || ”;
pSel.innerHTML = ‘<option value=””>— Select Plan —</option>’;
if(!c || !M[c]) return;
M[c].forEach(function(row){
const opt=document.createElement(‘option’);
opt.value=row.plan_code; opt.textContent=row.marketing_name;
pSel.appendChild(opt);
});
}
if (cSel){ cSel.addEventListener(‘change’, fill); fill(); }
})();

// Radios: toggle renewal block & census row
(function(){
const renewalBlock = document.getElementById(‘stq-renewal-block’);
const censusRow = document.getElementById(‘stq-census-row’);
function update(){
const v = (document.querySelector(‘input[name=”how”]:checked’)||{}).value || ‘both’;
if (renewalBlock) renewalBlock.style.display = (v === ‘census’) ? ‘none’ : ‘block’;
if (censusRow) censusRow.style.display = (v === ‘census’ || v === ‘both’) ? ‘block’ : ‘none’;
}
document.querySelectorAll(‘input[name=”how”]’).forEach(r=>r.addEventListener(‘change’, update));
update();
})();
</script>
<?php
return ob_get_clean();
}
/* =====

Employer Name

Effective Date Jul 1, 2026 Jul 15, 2026 Aug 1, 2026 Aug 15, 2026 Sep 1, 2026 Sep 15, 2026 Oct 1, 2026 Oct 15, 2026 Nov 1, 2026 Nov 15, 2026 Dec 1, 2026 Dec 15, 2026

(Only 1st or 15th of a month)

County — Select County — Anderson Andrews Angelina Aransas Archer Armstrong Atascosa Austin Bailey Bandera Bastrop Baylor Bee Bell Bexar Blanco Borden Bosque Bowie Brazoria Brazos Brewster Briscoe Brooks Brown Burleson Burnet Caldwell Calhoun Callahan Cameron Camp Carson Cass Castro Chambers Cherokee Childress Clay Cochran Coke Coleman Collin Collingsworth Colorado Comal Comanche Concho Cooke Coryell Cottle Crane Crockett Crosby Culberson Dallam Dallas Dawson Deaf Smith Delta Denton DeWitt Dickens Dimmit Donley Duval Eastland Ector Edwards El Paso Ellis Erath Falls Fannin Fayette Fisher Floyd Foard Fort Bend Franklin Freestone Frio Gaines Galveston Garza Gillespie Glasscock Goliad Gonzales Gray Grayson Gregg Grimes Guadalupe Hale Hall Hamilton Hansford Hardeman Hardin Harris Harrison Hartley Haskell Hays Hemphill Henderson Hidalgo Hill Hockley Hood Hopkins Houston Howard Hudspeth Hunt Hutchinson Irion Jack Jackson Jasper Jeff Davis Jefferson Jim Hogg Jim Wells Johnson Jones Karnes Kaufman Kendall Kenedy Kent Kerr Kimble King Kinney Kleberg Knox La Salle Lamar Lamb Lampasas Lavaca Lee Leon Liberty Limestone Lipscomb Live Oak Llano Loving Lubbock Lynn Madison Marion Martin Mason Matagorda Maverick McCulloch McLennan McMullen Medina Menard Midland Milam Mills Mitchell Montague Montgomery Moore Morris Motley Nacogdoches Navarro Newton Nolan Nueces Ochiltree Oldham Orange Palo Pinto Panola Parker Parmer Pecos Polk Potter Presidio Rains Randall Reagan Real Red River Reeves Refugio Roberts Robertson Rockwall Runnels Rusk Sabine San Augustine San Jacinto San Patricio San Saba Schleicher Scurry Shackelford Shelby Sherman Smith Somervell Starr Stephens Sterling Stonewall Sutton Swisher Tarrant Taylor Terrell Terry Throckmorton Titus Tom Green Travis Trinity Tyler Upshur Upton Uvalde Val Verde Van Zandt Victoria Walker Waller Ward Washington Webb Wharton Wheeler Wichita Wilbarger Willacy Williamson Wilson Winkler Wise Wood Yoakum Young Zapata Zavala

Rating Area:

Initial View Side-by-side Runtime (Lite)

How do you want to quote?

Renewal only (composite) Census only Both (renewal + census)

Which option should I choose?

Quote from Renewal (Composite): Use when the employer has a fully-insured, composite-rated small group plan. No census is needed—enter the employee-only renewal rate for any plan they offer (it doesn’t have to be the current plan).

Quote from Census: Use for new groups, groups without a fully-insured plan (e.g., level-funded), or when you want age-rate detail on the side-by-side.

Both: Use when the group is composite-rated but the enrollment census has changed since the carrier issued renewal.

How is the group currently rated?

Composite (tiered) Age-rated (per member)

This is used to calculate the renewal increase; it doesn’t limit what you compare.

Optional Census CSV:

Current Carrier — Select Carrier — BCBSTX BSW UHC Memorial Hermann (MH)

Select Any Renewal Plan — Select Plan —

Renewal EO Rate

Current Plans (optional)

Add the group’s current plan(s) to enable auto-recommendations and current→renewal views.

Current Carrier — Select Carrier — BCBSTX BSW UHC

Current Rating Composite Age-rated

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

Plan — Select Plan —

Current Amount

EO Count

ES Count

EC Count

EF Count

NEXT: CHOOSE PLANS

— END ===== */

/* ===== STQ_Shortcodes::diag_benefits (diagnostic) ===== */
public static function diag_benefits($atts){
$a = shortcode_atts([‘carrier’=>”,’plan’=>”], $atts);
if (!$a[‘carrier’] || !$a[‘plan’]) {
return ‘<em>Provide carrier and plan, e.g.

</em>’;
}

$b = STQ_Calc::benefits($a[‘carrier’], $a[‘plan’]);
global $wpdb;
$p = $wpdb->get_row($wpdb->prepare(
“SELECT marketing_name, network_type FROM {$wpdb->prefix}stq_plans WHERE year=%d AND carrier=%s AND plan_code=%s”,
2025, $a[‘carrier’], $a[‘plan’]
), ARRAY_A);
$networkType = (string)($p[‘network_type’] ?? ”);
$marketingName = (string)($p[‘marketing_name’] ?? ”);

$fmt_money = function($val){
if ($val === ” || $val === null) return ”;
if ($val === ‘0’ || $val === 0 || $val === ‘$0’) return ‘$0’;
if (is_string($val) && preg_match(‘/[\$\%A-Za-z]/’, $val)) return (string)$val;
return STQ_Format::money($val);
};
$fmt_coins = function($val){
if ($val === ” || $val === null) return ”;
if (is_string($val) && strpos($val, ‘%’) !== false) return (string)$val;
return STQ_Format::coins($val);
};

ob_start();
echo ‘<div class=”stq-diag”>’;
echo ‘<div style=”margin-bottom:6px;”><strong>’.esc_html($a[‘carrier’].’ ‘.$a[‘plan’]).'</strong>’;
if ($marketingName) echo ‘ — ‘.esc_html($marketingName);
echo ‘</div>’;

echo ‘<table class=”widefat striped” style=”max-width:820px”>’;
echo ‘<thead><tr><th style=”width:45%;”>Benefit</th><th>Value</th></tr></thead><tbody>’;

$rows = [
‘Deductible – Individual’ => $fmt_money($b[‘deductible_individual’] ?? ”),
‘Deductible – Family’ => $fmt_money($b[‘deductible_family’] ?? ”),
‘Coinsurance – Member’ => $fmt_coins($b[‘coinsurance_member’] ?? ”),
‘Coinsurance – Plan’ => $fmt_coins($b[‘coinsurance_plan’] ?? ”),
‘Out-of-Pocket – Individual’ => $fmt_money($b[‘oop_individual’] ?? ”),
‘Out-of-Pocket – Family’ => $fmt_money($b[‘oop_family’] ?? ”),
‘Virtual Visits’ => $fmt_money($b[‘virtual_visits’] ?? ”),
‘PCP <19’ => $fmt_money($b[‘pcp_under19’] ?? ”),
‘Primary’ => $fmt_money($b[‘primary_adult’] ?? ”),
‘Specialist’ => $fmt_money($b[‘specialist’] ?? ”),
‘Urgent Care’ => $fmt_money($b[‘urgent_care’] ?? ”),
‘Emergency’ => $fmt_money($b[’emergency’] ?? ”),
‘Lab/X-Ray’ => $fmt_money($b[‘lab_xray’] ?? ”),
‘Imaging’ => $fmt_money($b[‘imaging’] ?? ”),
‘Inpatient Services’ => $fmt_money($b[‘inpatient’] ?? ”),
‘Outpatient Surgery’ => $fmt_money($b[‘outpatient_surgery’] ?? ”),
‘Prescriptions’ => (string)($b[‘rx_string’] ?? ”),
‘OON Deductible (Individual/Family)’ => STQ_Format::na_if_oonsuppressed_pair(
$b[‘oon_ded_individual’] ?? ”,
$b[‘oon_ded_family’] ?? ”,
$networkType
),
‘OON Coinsurance (Member)’ => STQ_Format::na_if_oonsuppressed_coins(
$b[‘oon_coins_member’] ?? ”,
$networkType
),
‘OON Out-of-Pocket (Individual/Family)’ => STQ_Format::na_if_oonsuppressed_pair(
$b[‘oon_oop_individual’] ?? ”,
$b[‘oon_oop_family’] ?? ”,
$networkType
),
];

foreach ($rows as $label => $val){
echo ‘<tr><th>’.esc_html($label).'</th><td>’.esc_html((string)$val).'</td></tr>’;
}

echo ‘</tbody></table></div>’;
return ob_get_clean();
}

}

STQ_Shortcodes::init();