Self-Serve tier

Medicare A/B/C/D + Medigap decision framework — Original Medicare with Medigap Plan G/N + Part D vs Medicare Advantage (Part C) — including IEP/SEP/AEP timing, IRMAA brackets (42 USC §1395r), and Medigap guaranteed-issue protections. T2 tier.

Decision framework for Medicare Part C (Medicare Advantage) vs Original Medicare (Part A + B + standalone Part D + optional Medigap). Maps drug coverage path (MA-PD bundled vs standalone PDP), provider network architecture (MA HMO/PPO networks vs Original Medicare's national acce

Render a Medicare IRMAA Life-Changing Event appeal on Form SSA-44 to use a more recent (lower) tax year as the basis for Part B / Part D Income-Related Monthly Adjustment Amount, overriding the 2-year-prior MAGI lookback. Maps the 8 qualifying LCEs (death of spouse, marriage, div

Apply Mental Health Parity and Addiction Equity Act (MHPAEA, 29 USC §1185a / 42 USC §300gg-26 / 26 USC §9812) — Non-Quantitative Treatment Limit (NQTL) comparative analysis to challenge any restriction on mental-health or substance-use disorder benefits that is more restrictive t

Document and validate down-payment gift funds under Fannie Mae Selling Guide B3-4.3-04 / B3-4.4 (gift documentation), Freddie Mac Single-Family Seller/Servicer Guide §5501.3, FHA Handbook 4000.1 II.A.5.b.iv (acceptable sources), and VA Pamphlet 26-7 Ch. 4. Embedded donor-relation

Apply FHA Single Family Housing Policy Handbook 4000.1 underwriting rules for 3.5% down purchase loans. Embedded credit-score thresholds (580 = 3.5% down, 500-579 = 10% down per HUD Handbook 4000.1 II.A.1.b), Mortgage Insurance Premium structure (UFMIP 1.75% + annual MIP per Mort

Distinguish mortgage pre-qualification (soft, non-underwritten) from pre-approval (formal underwritten) and from a Loan Estimate or commitment letter. Embedded RESPA / TILA timeline under 12 CFR §1024.7 (Loan Estimate within 3 business days), §1026.19(e) (Loan Estimate disclosure

Verify VA home loan eligibility under VA Pamphlet 26-7 (Lender's Handbook). Embedded service-eligibility matrix, Certificate of Eligibility (COE) pathways, 2025 funding fee schedule (Public Law 116-23 + VA Circular 26-23-26), entitlement / bonus entitlement / partial entitlement

Petition for an adult legal name change in state court — petition contents, residency, publication notice (state-specific), background-check / fingerprint requirements, and concurrent paths through marriage / divorce / USCIS naturalization (8 USC §1448 + 8 CFR §337.1). Embeds sta

Apply No Surprises Act (NSA, Pub.L. 116-260 Div. BB Title I, effective Jan 1 2022) protections against out-of-network (OON) balance billing for emergency services, OON services at in-network facilities, and air-ambulance. Computes patient cost-share cap (in-network rate equivalen

Compute Schedule C net for OnlyFans / Fansly / ManyVids / JustForFans creator. Embedded SE tax + state nexus + privacy / dependent-disclosure + AB-5 ABC test + payment-processor 1099-K phase-in + LLC entity layer + state morality-clause + IRS Pub 535. Self-contained.

Replace a U.S. passport in an emergency — lost/stolen DS-64 + DS-11 path, U.S. Department of State expedited service, life-or-death emergency exception (24–72 hour passport at agency or U.S. embassy/consulate abroad), and the international Emergency Limited Validity Passport. Emb

Pension rollover + RMD compliance framework — defined-benefit lump-sum vs annuity election, IRC §401(a)(9) RMD computation under SECURE 2.0 §107 (age 73/75), Uniform Lifetime Table, QLAC carve-out, and missed-RMD §4974 penalty (reduced to 25%/10%). T2 tier.

Determine when a residential building permit is required for a homeowner project (electrical, plumbing, HVAC, structural, roofing, decks, fences, sheds). Embedded IRC 2021 + IBC 2021 + NEC 2023 trigger thresholds + jurisdictional adoption-status notes for top 50 metros. Refuses t

Decision framework for buying or skipping pet insurance. Maps the three product tiers (accident-only, accident + illness, comprehensive with wellness), the pre-existing condition exclusion as the central buy-early-or-not-at-all driver (per NAIC Pet Insurance Model Act §6 — "pre-e

Distinguish plumbing emergencies that require immediate code-compliant repair (active leak, sewer backup, gas, frozen pipe, hot water failure in winter) from cosmetic / non-emergency repairs. Embedded UPC 2021 + IPC 2021 trigger map; gas-line emergency procedures; cross-connectio

Compare prescription drug coverage paths — Medicare Part D (with 2025 IRA $2,000 OOP cap, IRA negotiated drugs, donut-hole closure, LIS/Extra Help) vs commercial formulary tier structure — and route a step-therapy override or non-formulary exception under 42 CFR §423.578 (Part D)

Stage a four-level appeal against a prior-authorization or coverage denial — internal level 1, internal level 2, state external review (or federal IRO for self-funded ERISA plans), and ERISA §503 civil action. Computes the urgent-care 72-hour expedited window vs. standard 30-day

Resolve a residential property-line dispute using recorded plat / deed / metes-and-bounds, ALTA/NSPS land-title survey, adverse possession by state, prescriptive easement, fence presumption, and boundary-by-acquiescence. Embedded 50-state adverse-possession period map, color-of-t

Build a residential property tax assessment appeal using comparable-sales (sales-comparison) approach. Embedded state-by-state appeal-deadline map, comp-selection rules under USPAP / IAAO standards, and adjustment grid construction (size / age / quality / location / time / amenit

Petition to renew a state civil protective order / restraining order (TRO, DVRO, stalking order, harassment order) before expiration, embedding the federal Lautenberg Amendment / 18 USC §922(g)(8) firearm prohibition trigger, the §922(g)(9) lifetime ban (DV misdemeanor), the Viol

Analyze a denied or adversely-affected rental application under the Fair Credit Reporting Act. Embedded FCRA adverse-action notice taxonomy under 15 USC §1681b(b)(2), §1681m(a), and §1681g(c). Refuses to clear a landlord/screener as compliant when notice is missing, late, or omit

Apply NYC FARE Act broker-fee rules and survey state-by-state broker-fee allocation rules for residential rentals. Embedded landlord-pays-broker rule under NYC Local Law 18 of 2024 (FARE Act, eff June 11, 2025). Embedded state map of who pays the broker fee, fee caps, and disclos

Distinguish co-signer (joint and several liability primary obligor) from guarantor (secondary liability) for residential lease. Embedded state-by-state distinction map covering primary vs secondary liability, statute of frauds writing requirement, notice-of-default duty, and disc

Size HO-4 (renters insurance) coverage by household — personal property limit, replacement cost (RC) vs actual cash value (ACV) election, liability limit, additional living expense (ALE), and named-peril vs broad-form. Maps the 16 standard HO-4 covered perils, sub-limits on jewel

Render the state-mandated roofing-contract disclosures + cancellation rights for a residential roofing project (especially after storm damage and insurance-claim-tied work). Embedded multi-state map (FL §501.137 + §489.147 hurricane-tied; TX Ins. Code §4102 public adjuster vs roo

Map second-opinion coverage entitlement across Medicare (42 CFR §405.515 / Medicare Benefit Policy Manual Ch. 15 §90.4), Medicaid (varies by state plan; some states mandate second-opinion before elective surgery), commercial ACA-regulated plans (45 CFR §147.136 medical-necessity

Side-hustle screen against W-2 employer non-compete + IP-assignment + moonlighting + duty-of-loyalty. Embedded state non-compete grid + FTC 16 CFR §910 status + employee invention assignment + holdover (trailer) clauses + state moonlighting carve-outs + whistleblower / contractor

Social Security claim-age decision framework — PIA + early reduction + delayed retirement credits (DRC) + earnings test + spousal/survivor coordination — keyed to 42 USC §415 / §402 / §403 and SSA POMS. T2 tier.

Run the residential solar PV go / no-go decision using net-metering rate, IRC §25D 30% Residential Clean Energy Credit, system size sized to consumption, payback computation, roof condition, shading, monitoring, and warranty layers. Embedded state net-metering / NEM 3.0 (CA) / VO

SSI eligibility + resource-test spend-down framework — 20 CFR §416.1201 $2K/$3K resource limit, countable vs. non-countable resources, ABLE account 26 USC §529A, special needs trust (d)(4)(A) and pooled trusts, Medicaid 5-year look-back interaction. T2 tier.

File a Borrower Defense to Repayment claim under HEA §455(h) and 34 C.F.R. §685.222 for federal Direct loans tied to a school's misrepresentation, omission, or breach. Embeds Sweet v. Cardona settlement (2022/2023) auto-discharge for class-listed schools, post-2022 final rule (Au

Choose between Department of Education income-driven repayment plans for federal Direct loans: IBR (20-25 yr), Pay-As-You-Earn (PAYE, 20 yr), Income-Contingent Repayment (ICR, 25 yr), and Saving on a Valuable Education (SAVE) — currently subject to 8th Cir. injunction with portio

Build a Public Service Loan Forgiveness eligibility, payment-count, and application package under HEA §455(m) and 34 C.F.R. §685.219. Embeds 120 qualifying-payment count, qualifying-employment criteria (501(c)(3) full-time + government + AmeriCorps + Peace Corps), Employment Cert

Compute Schedule C net profit and self-employment tax under IRC §1402 for sole proprietors and single-member LLCs. Embeds gross-receipts intake, deductible business expense screen, hobby-loss §183 challenge, SE tax (15.3% on 92.35% of net earnings) plus the §164(f) above-the-line

Distinguish Form 1099-NEC (nonemployee compensation under §6041A) from Form 1099-MISC (other reportable income under §6041) by payment category. Maps each payment type (services / rent / royalty / prizes / medical / attorney / crop / fishing) to the correct form and box. Embeds t

Stack the IRC §21 Child and Dependent Care Credit (Form 2441) with the IRC §129 Dependent Care FSA (DCFSA) without double-dipping. Computes the §21(c) expense ceiling reduction by §129 exclusions, the §21(b)(2) earned-income floor, the §21(d)(2) two-spouse earned-income limit, an

File a U.S. Tax Court petition within the 90-day jurisdictional window after a Statutory Notice of Deficiency under IRC §6213(a) (150 days if outside U.S.). Embeds petition contents per Tax Court Rule 34, small-tax-case (S) election under IRC §7463 / Rule 170, filing fee, electro

Report cryptocurrency capital gains under Notice 2014-21 (digital asset = property) on Form 8949 + Schedule D, with hard-fork / airdrop ordinary income under Rev. Rul. 2019-24, staking rewards income under Rev. Rul. 2023-14, and DeFi (lend/borrow/LP-token/yield-farm) basis tracki

Health Savings Account (HSA) qualified-medical-expense screen under IRC §223 + §213(d) and Pub 502. Determines HSA-eligibility (HDHP + no other coverage), computes contribution limit (self-only / family + age 55 catch-up), validates expense as qualified, and embeds receipt-retent

Personal-tax First-Time Abatement (FTA) request under IRM 20.1.1.3.6.1 for individual failure-to-file (§6651(a)(1)) or failure-to-pay (§6651(a)(2)) penalties. Embeds 3-year clean-compliance check, current-compliance gate, FTA vs reasonable-cause comparison, phone-vs-Form-843 stra

Choose and file the correct IRS installment agreement under IRC §6159 for a balance owed. Maps Form 9465 to streamlined (≤$50K, no financial disclosure), simple (≤$25K direct debit), short-term payment plan (≤180 days), full-pay (>$50K up to $250K), and routine (>$50K with Form 4

Compute deductible home-mortgage interest under IRC §163(h)(3) with the TCJA $750,000 acquisition-debt cap (post-Dec 15, 2017) and the grandfathered $1,000,000 cap (pre-Dec 16, 2017). Embeds the §163(h)(3)(F) home-equity-interest suspension (2018–2025), the qualified-residence de

Backdoor Roth IRA conversion analysis under IRC §408(d)(2) aggregation rule and the pro-rata trap. Computes taxable share of any Roth conversion across all traditional, SEP, and SIMPLE IRAs (the "cream-in-the-coffee" rule). Cross-flags Form 8606 basis tracking, the §408(d)(3)(H)