Intent Spec — auto.book_major_service

FULL ID:       auto.book_major_service
VERSION:       v1.0.0
STATUS:        draft
LAST UPDATED:  2026-05-11
DOMAIN:        auto
PRIMARY AGENT: AutoServicesAgent
TTBS WEIGHTS:  time=0.15 taste=0.20 budget=0.25 safety=0.40

User books a major service — engine work, transmission overhaul, clutch replacement, accident-damage repair, AC compressor work, suspension overhaul, electrical-system diagnostics. Higher cost band (typically ₹5,000–₹2,00,000+), longer turnaround (1-15 days), and SAFETY-dominant TTBS weighting because mis-done major repairs have serious consequences.

Partner exemplars: OEM-authorised workshops (Maruti Authorised, Hyundai Workshop, Tata Motors), Carnation Auto, GoMechanic Major, Spinny Workshops, independent specialist workshops.

SECTION 1 — INTENT IDENTITY

This intent fires for any service that is not a periodic / scheduled service. Goes beyond oil change, filter swap, basic inspection. Distinct from:

• auto.book_general_service — periodic / preventive, lower cost, faster turnaround
• auto.book_breakdown_assist — emergency on-spot, vehicle dead at roadside
• auto.book_battery_replacement — single-part replacement
• auto.book_paint_job — cosmetic-only
• auto.book_tyre_alignment — single-service

Major service typically involves a diagnostic phase, an itemized quote with multiple line items, a customer-approval gate, and a multi-day workshop stay. The completion contract reflects this longer lifecycle.

SECTION 2 — NATURAL LANGUAGE COVERAGE

CLASSIFIES IN

• "Engine making noise, need overhaul"
• "Clutch replacement for my car"
• "Transmission service / repair"
• "AC compressor not working, needs replacement"
• "Suspension overhaul"
• "Accident repair, body shop work needed"
• "Diagnose why my car is jerking"
• "Major service for my 5-year-old Innova"
• "Engine seized, can it be rebuilt"
• "Electrical fault — wiring problem, need diagnosis"

CLASSIFIES OUT — BORDERLINE NO

• "10K km service" → auto.book_general_service
• "Car broke down right now" → auto.book_breakdown_assist
• "Just a battery swap" → auto.book_battery_replacement
• "Repaint my bumper" → auto.book_paint_job
• "Wheels need alignment" → auto.book_tyre_alignment

MULTI-INTENT TRIGGERS

• "Major repair + body work" → auto.book_major_service + auto.book_paint_job (at same workshop when possible)
• "Engine work + insurance claim" → auto.book_major_service + future auto.file_insurance_claim (v2; today routes both through major_service with a insurance_claim_intended=true hint)

SECTION 3 — INPUT (TOMO → PROVIDER)

{
  "intent": "auto.book_major_service",
  "request_id": "req_01J9Z...",
  "user_locale": "en-IN",
  "user_currency": "INR",
  "user_location": { "lat": 17.4475, "lng": 78.3563, "max_radius_km": 20, "city": "Hyderabad" },
  "vehicle": {
    "type": "car",
    "make": "Toyota",
    "model": "Innova Crysta",
    "variant": "GX",
    "fuel_type": "diesel",
    "year_of_manufacture": 2019,
    "registration_number_last4": "1234",
    "current_odometer_km": 78000,
    "is_under_oem_warranty": false
  },
  "issue": {
    "category": "engine_repair",            // STRICT ENUM §6
    "user_description": "Engine making knocking sound at idle, oil light flickers occasionally",
    "is_in_accident": false,
    "estimated_severity": "high",           // STRICT ENUM §6: low | medium | high | unknown
    "tomo_diagnostic_priority": true        // user wants formal diagnosis before any work
  },
  "service_preferences": {
    "preferred_window": {
      "earliest_drop_off": "2026-05-13T09:00:00+05:30",
      "latest_pickup":     "2026-05-25T18:00:00+05:30"
    },
    "max_acceptable_cost_inr": 75000,       // user-declared budget ceiling; partner respects
    "authorised_only": true,
    "loaner_vehicle_required": true,
    "insurance_claim_intended": false
  },
  "ttbs_user_band": {
    "time":   "flexible",
    "taste":  "balanced",
    "budget": "good",
    "safety": "great"
  },
  "session_context": {
    "tomo_session_id": "ses_01J9Z...",
    "user_dna_hash":   "dna_v3_a7c9..."
  }
}

Anti-fabrication preamble: Provider may not over-recommend work beyond declared issue. Diagnostic findings must be evidence-backed (photos / video / readings). Estimated cost ranges may not be padded with non-essential work.

SECTION 4 — PROVIDER TOOLS

Tool 1: search_major_service_workshops

PURPOSE:      Return up to 15 workshops capable of handling the declared issue category
INPUT:        §3
OUTPUT:       array<MajorServiceWorkshop> per §5
SLA:          p50 ≤ 800ms, p95 ≤ 2000ms, p99 ≤ 4000ms
RATE LIMIT:   60 req/min
IDEMPOTENCY:  request_id; 60s cache
RETRY:        1 on 429, 2 on 5xx

Tool 2: create_diagnostic_appointment

PURPOSE:      Book a diagnostic visit (with or without commitment to subsequent repair)
INPUT:        { request_id, workshop_id, slot_id, vehicle.*, issue.*, contact_phone, loaner_required }
OUTPUT:       DiagnosticAppointment per §5
SLA:          p50 ≤ 1500ms, p95 ≤ 4000ms
RATE LIMIT:   30 req/min
IDEMPOTENCY:  request_id
RETRY:        No retry on create

Tool 3: get_diagnostic_report_and_quote

PURPOSE:      Pull the post-diagnostic itemized quote partner generated
INPUT:        { request_id, diagnostic_id }
OUTPUT:       DiagnosticReport per §5
SLA:          p50 ≤ 600ms, p95 ≤ 1800ms
RATE LIMIT:   60 req/min
IDEMPOTENCY:  diagnostic_id; 5-min cache
RETRY:        1 on 5xx

Tool 4: approve_and_book_repair

PURPOSE:      User has reviewed the quote; book the repair (locks parts, schedules bay)
INPUT:        { request_id, diagnostic_id, approved_line_item_skus[], declined_line_item_skus[], loaner_required }
OUTPUT:       RepairBooking per §5
SLA:          p50 ≤ 2000ms, p95 ≤ 5000ms
RATE LIMIT:   30 req/min
IDEMPOTENCY:  request_id
RETRY:        No retry

Tool 5: cancel_appointment

PURPOSE:      Cancel diagnostic or repair pre-intake; honour cancellation policy
INPUT:        { request_id, appointment_id, reason_code }
OUTPUT:       CancellationResult per §5
SLA:          p50 ≤ 800ms, p95 ≤ 2000ms
RATE LIMIT:   30 req/min
RETRY:        1 on 5xx

SECTION 5 — RESPONSE SHAPE

MajorServiceWorkshop

MajorServiceWorkshop:
  workshop_id: { type: string, constraint: REQUIRED }
  name: { type: string, constraint: REQUIRED }
  workshop_type:
    type: enum
    constraint: REQUIRED, STRICT ENUM §6
    values: [oem_authorised, multi_brand_specialist, body_shop, electrical_specialist]
  specialisations:
    type: array<enum>
    constraint: REQUIRED, ≥1 entry, STRICT ENUM §6
    values: [engine, transmission, suspension, brakes, ac_system, electrical, body_paint, accident_repair, ev_specialist]
  address: { type: string, constraint: REQUIRED }
  location: { type: object, shape: { lat, lng }, constraint: REQUIRED }
  distance_from_user_km: { type: float, constraint: REQUIRED, 0-50 }

  capacity:
    next_diagnostic_slot: { type: string, constraint: REQUIRED, ISO_DATETIME }
    typical_repair_turnaround_days:
      type: object
      constraint: REQUIRED
      shape:
        min: { type: int, constraint: REQUIRED, 1-30 }
        max: { type: int, constraint: REQUIRED, 1-60 }
        median: { type: int, constraint: REQUIRED, 1-45 }
    loaner_vehicle_available: { type: boolean, constraint: REQUIRED }
    loaner_per_day_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }

  diagnostic:
    diagnostic_fee_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    diagnostic_fee_waived_if_repair: { type: boolean, constraint: REQUIRED }
    typical_diagnostic_hours: { type: float, constraint: REQUIRED, 0.5-8 }
    diagnostic_report_includes:
      type: array<string>
      constraint: REQUIRED, ≥2 entries
      example: ["computer_obd_scan", "physical_inspection_photos", "video_walkthrough"]

  estimated_cost_range:
    low_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    high_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
    semantics:
      type: string
      constraint: REQUIRED
      example: "Engine repair for Innova Crysta diesel, ₹40K–₹1.2L depending on actual root cause"

  insurance_handling:
    cashless_network_partner_for: { type: array<string>, constraint: REQUIRED, may be empty }
    handles_claim_paperwork: { type: boolean, constraint: REQUIRED }
    insurance_cashless_settlement_days: { type: int, constraint: REQUIRED, 0-60 }

  warranty:
    parts_warranty_months: { type: int, constraint: REQUIRED, 0-60 }
    labour_warranty_months: { type: int, constraint: REQUIRED, 0-12 }
    warranty_terms_url: { type: string, constraint: REQUIRED, HTTPS URL }

  accreditations:
    type: array<enum>
    constraint: REQUIRED, may be empty
    values: [iso_9001, oem_certified, body_shop_certified, electrical_certified, ev_certified]

  ratings:
    avg_rating: { type: float, constraint: REQUIRED, 0-5 }
    review_count: { type: int, constraint: REQUIRED, ≥0 }
    repeat_visit_rate_pct: { type: int, constraint: REQUIRED, 0-100 }
    redo_rate_pct_last_90d:
      type: int
      constraint: REQUIRED, 0-100
      semantics: percentage of major repairs that came back within 90 days for redo (lower = better; safety signal)

  partner_reference:
    source: { type: string, constraint: REQUIRED }
    deeplink: { type: string, constraint: REQUIRED, HTTPS URL }

DiagnosticAppointment

DiagnosticAppointment:
  diagnostic_id: { type: string, constraint: REQUIRED, immutable }
  workshop_id: { type: string, constraint: REQUIRED }
  scheduled_start: { type: string, constraint: REQUIRED, ISO_DATETIME }
  estimated_diagnostic_completion: { type: string, constraint: REQUIRED, ISO_DATETIME }
  diagnostic_fee_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
  loaner_arranged: { type: boolean, constraint: REQUIRED }
  service_advisor_name: { type: string, constraint: REQUIRED }
  service_advisor_phone: { type: string, constraint: REQUIRED, E.164 }
  partner_diagnostic_reference: { type: string, constraint: REQUIRED }

DiagnosticReport

DiagnosticReport:
  diagnostic_id: { type: string, constraint: REQUIRED }
  completed_at: { type: string, constraint: REQUIRED, ISO_DATETIME }
  findings:
    type: array<Finding>
    constraint: REQUIRED, ≥1
    shape:
      finding_id: { type: string, constraint: REQUIRED }
      component: { type: string, constraint: REQUIRED, e.g. "Engine timing chain" }
      severity: { type: enum, constraint: REQUIRED, STRICT ENUM §6, values: [advisory, recommended, required_for_safety, immediate] }
      evidence:
        type: array<EvidenceItem>
        constraint: REQUIRED, ≥1
        shape:
          type: { type: enum, constraint: REQUIRED, STRICT ENUM §6, values: [obd_code, photo, video, sensor_reading, advisor_note] }
          url_or_value: { type: string, constraint: REQUIRED }
          description: { type: string, constraint: REQUIRED, ≤300 chars }
  recommended_line_items:
    type: array<LineItem>
    constraint: REQUIRED, ≥1
    shape:
      sku: { type: string, constraint: REQUIRED }
      description: { type: string, constraint: REQUIRED }
      category: { type: enum, constraint: REQUIRED, STRICT ENUM §6, values: [labour, part, consumable, sublet] }
      quantity: { type: int, constraint: REQUIRED, ≥1 }
      unit_price_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
      total_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
      necessity:
        type: enum
        constraint: REQUIRED, STRICT ENUM §6
        values: [advisory, recommended, required_for_safety, mandatory_for_repair]
      linked_finding_id: { type: string, constraint: REQUIRED, references findings.finding_id }
  totals:
    subtotal_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
    gst_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
    total_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
  quote_validity_until: { type: string, constraint: REQUIRED, ISO_DATETIME, ≥48h from completion }

RepairBooking

RepairBooking:
  repair_id: { type: string, constraint: REQUIRED, immutable }
  diagnostic_id: { type: string, constraint: REQUIRED }
  workshop_id: { type: string, constraint: REQUIRED }
  approved_line_items: { type: array<string>, constraint: REQUIRED, list of sku }
  declined_line_items: { type: array<string>, constraint: REQUIRED, may be empty }
  scheduled_start: { type: string, constraint: REQUIRED, ISO_DATETIME }
  estimated_completion: { type: string, constraint: REQUIRED, ISO_DATETIME }
  loaner_arranged: { type: boolean, constraint: REQUIRED }
  total_approved_inr: { type: int, constraint: REQUIRED, INR_INTEGER }
  payment_due_at: { type: enum, constraint: REQUIRED, STRICT ENUM §6, values: [50_percent_now_balance_on_pickup, on_pickup, on_completion, insurance_cashless] }
  service_advisor_phone: { type: string, constraint: REQUIRED, E.164 }

CancellationResult

CancellationResult:
  appointment_id: { type: string, constraint: REQUIRED }
  cancelled_at: { type: string, constraint: REQUIRED, ISO_DATETIME }
  cancellation_fee_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
  refund_amount_inr: { type: int, constraint: REQUIRED, INR_INTEGER, ≥0 }
  refund_eta_days: { type: int, constraint: REQUIRED, 0-21 }

FORBIDDEN FIELDS

• paid_placement_score, ad_bid, sponsored_rank, promotion_priority
• kickback_amount, referral_fee_kickback, _partner_revenue_share
• artificial_urgency_text ("Engine will fail any moment!" without evidence)
• ai_generated_photo for workshop / vehicle / diagnostic imagery
• commission_padded_price
• unnecessary_upsell_line_items — partner-side flag for "we recommended this but it wasn't tied to a finding"

SECTION 6 — CONTROLLED VOCABULARIES

issue.category:
  values:
    engine_repair:        "Engine work — overhaul, head gasket, timing, etc."
    transmission_repair:  "Gearbox / clutch / transmission"
    suspension_overhaul:  "Shocks, struts, bushes, alignment after major fix"
    ac_system:            "AC compressor, condenser, refrigerant, electrical"
    electrical_diagnostic: "Wiring, ECU, sensors, battery-not-charging"
    accident_repair:      "Body work + mechanical after collision"
    brake_overhaul:       "Master cylinder, calipers, drums, full brake system"
    ev_battery_pack:      "EV battery pack diagnostic / replacement"
    multiple_systems:     "Multiple categories — partner determines scope"

issue.estimated_severity:
  values:
    low:     "User thinks it's a minor issue but wants expert opinion"
    medium:  "Something is wrong, vehicle drives but compromised"
    high:    "Major symptom — knocking, smoke, brake failure threat, etc."
    unknown: "User can't characterise severity"

workshop_type:
  values:
    oem_authorised:        "Vehicle manufacturer's authorised major-service workshop"
    multi_brand_specialist: "Independent specialist in this category"
    body_shop:             "Specialised in accident / body / paint repair"
    electrical_specialist: "Specialised in auto-electrical diagnostics"

specialisations:
  values:
    engine, transmission, suspension, brakes, ac_system, electrical,
    body_paint, accident_repair, ev_specialist

finding.severity:
  values:
    advisory:           "Note for future, no action needed now"
    recommended:        "Should fix in next 6 months"
    required_for_safety: "Must fix before safe to drive"
    immediate:          "Vehicle should not leave workshop without this fix"

line_item.necessity:
  values:
    advisory:             "Optional, future consideration"
    recommended:          "Should be done with this repair for value"
    required_for_safety:  "Must be done; safety implication"
    mandatory_for_repair: "Cannot complete the declared issue fix without this"

line_item.category:
  values:
    labour:     "Mechanic time"
    part:       "Replaced part"
    consumable: "Oil, fluid, gasket, etc."
    sublet:     "Sub-contracted work (e.g. machining at external shop)"

evidence.type:
  values:
    obd_code:        "OBD-II fault code with description"
    photo:           "Photograph of the issue"
    video:           "Video walkthrough"
    sensor_reading:  "Readout from diagnostic equipment"
    advisor_note:    "Service advisor's written observation"

payment_due_at:
  values:
    50_percent_now_balance_on_pickup: "Half up-front, balance on pickup (common for parts-heavy jobs)"
    on_pickup:           "Full payment when vehicle handed back"
    on_completion:       "Full payment after pickup confirmed by user"
    insurance_cashless:  "Insurance settles directly with partner"

SECTION 7 — TTBS DIMENSIONS

TIME (weight = 0.15):
  signals_used:
    - capacity.next_diagnostic_slot
    - capacity.typical_repair_turnaround_days.median
    - distance_from_user_km
  weighting:
    diagnostic_speed: 0.40
    repair_speed: 0.40
    distance: 0.20
  user_band_handling:
    fast: prefer quickest diagnostic + shortest turnaround
    balanced: standard
    flexible: any in window (the common case for major service)

TASTE (weight = 0.20):
  signals_used:
    - workshop_type matching user preference (authorised_only=true filters non-OEM out)
    - specialisations matching issue.category
    - chain familiarity (DNA)
  weighting:
    type: 0.40
    specialisation_match: 0.45
    familiarity: 0.15
  user_band_handling: standard

BUDGET (weight = 0.25):
  signals_used:
    - estimated_cost_range.low_inr to high_inr midpoint
    - diagnostic.diagnostic_fee_inr (negative if waived_if_repair=true)
    - capacity.loaner_per_day_inr (factored if user requires loaner)
  weighting:
    cost_range: 0.65
    diagnostic_fee_net: 0.20
    loaner: 0.15
  user_band_handling:
    ok: prefer cheapest within max_acceptable_cost_inr
    good: balance cost vs warranty + redo_rate
    great: prefer OEM-authorised + low redo_rate even at premium

SAFETY (weight = 0.40):
  signals_used:
    - ratings.redo_rate_pct_last_90d (lower = better; weighted heavily)
    - accreditations
    - warranty.parts_warranty_months
    - warranty.labour_warranty_months
    - diagnostic.diagnostic_report_includes (more evidence types = higher safety score)
  weighting:
    redo_rate: 0.35
    accreditations: 0.20
    warranty: 0.25
    diagnostic_quality: 0.20
  user_band_handling:
    fast: relax warranty floor
    balanced: standard
    flexible: prioritise lowest redo_rate workshops even at higher cost / longer wait

SECTION 8 — COMPLETION CONTRACT

The major-service intent has TWO completion events:

(a) Diagnostic completed — partner POSTs once when DiagnosticReport is finalised (status="diagnostic_completed"), even if user hasn't approved repair yet. This closes the diagnostic phase of CPRI.

(b) Repair completed — partner POSTs again when vehicle is handed back (status="completed" or terminal failure). This is the billable CPC event.

POST /api/v1/cpc/mcp_provider/<your_partner_id>
Body (repair completion):
{
  "intent":           "auto.book_major_service",
  "external_id":      "<repair_id>",
  "request_id":       "<request_id>",
  "diagnostic_id":    "<diagnostic_id>",
  "amount_inr":       42000,    // NET — labour + supplier-margin on parts + sublet markup partner keeps
  "gst_inr":          7560,     // government — excluded
  "tips_inr":         0,
  "pass_through_inr": 0,        // any third-party sublet partner doesn't keep
  "closed_at":        "2026-05-20T16:00:00+05:30",
  "status":           "completed",   // STRICT ENUM: completed | cancelled_by_user | cancelled_by_partner | partial_repair | aborted_post_diagnostic
  "issue_category":   "engine_repair",
  "approved_line_items_count": 7,
  "declined_line_items_count": 2,
  "insurance_settled": false,
  "warranty_card_issued": true
}

HMAC, 5-min replay, NET-only commission base. Locked.

SECTION 9 — WIDGET

MajorServiceWidget (planned). Renders diagnostic report inline; user approves/declines line items per-item.

Field mapping:
  - MajorServiceWorkshop.name → header
  - MajorServiceWorkshop.workshop_type + distance_from_user_km → subline 1
  - MajorServiceWorkshop.capacity.typical_repair_turnaround_days.median + loaner_vehicle_available → subline 2
  - MajorServiceWorkshop.estimated_cost_range.low/high_inr → "₹40K–₹1.2L" range row
  - MajorServiceWorkshop.ratings.redo_rate_pct_last_90d → "Redo rate: X%" pill (color-coded; lower=green)
  - MajorServiceWorkshop.warranty.parts/labour → warranty pill
Post-diagnostic:
  - DiagnosticReport.findings rendered as expandable cards with evidence (photo/video/OBD)
  - DiagnosticReport.recommended_line_items rendered as approve/decline list
  - DiagnosticReport.totals updates live as user toggles items

SECTION 10 — CACHING POLICY

SECTION 11 — ERROR CODES

SECTION 12 — SANDBOX → PRODUCTION CHECKLIST

[ ] All five tools implemented; shapes per §5
[ ] At least 3 workshops covering different specialisations (engine, transmission, ac, electrical)
[ ] estimated_cost_range.low/high_inr returned with semantics string explaining the range
[ ] DiagnosticReport.findings include real evidence (OBD scan, photo, video) — not placeholder
[ ] DiagnosticReport.recommended_line_items each linked to a finding_id (no orphan upsells)
[ ] All controlled vocabularies respected
[ ] HMAC signing verified on both diagnostic_completed and repair_completion CPC webhooks
[ ] amount_inr is NET in both webhook events
[ ] No forbidden fields in any responses
[ ] SLA p95 met: search ≤2000ms, create_diagnostic ≤4000ms, get_report ≤1800ms, approve_repair ≤5000ms
[ ] Idempotency tested
[ ] Loaner vehicle workflow tested (when loaner_required=true returns loaner_arranged=true OR LOANER_UNAVAILABLE)
[ ] Insurance cashless workflow tested (when insurance_claim_intended=true)
[ ] Mid-repair scope expansion event tested (user re-approval gate works)
[ ] redo_rate_pct_last_90d field computed from real data (not flat marketing value)
[ ] Compliance docs: GSTIN, OEM authorisation (when claimed), specialist certifications, privacy policy URL
[ ] Service advisor reachable during work-hours; advisor name not generic

SECTION 13 — ANTI-FABRICATION RULES

RULE 1: No paid_placement / ad / kickback. Single occurrence rejects response.
        In major-service especially harmful (high-cost decisions).

RULE 2: estimated_cost_range.low_inr to high_inr must reflect realistic
        bounds for the issue.category + vehicle make/model/year. Padded
        ranges to look competitive at the bottom but inflate at the top
        are forbidden. TOMO cross-checks via actual CPC amount_inr
        distribution per workshop.

RULE 3: DiagnosticReport.findings MUST be evidence-backed. Each finding
        must have ≥1 evidence item (photo / video / OBD / sensor reading
        / advisor note). Findings without evidence are rejected by TOMO ingest.

RULE 4: recommended_line_items must each link to a finding_id. Orphan
        line items (recommended without an underlying finding) are
        rejected. This prevents upselling unrelated work.

RULE 5: line_item.necessity must be honest. Marking advisory items as
        required_for_safety or mandatory_for_repair to scare the user
        into approving is forbidden. TOMO samples user post-repair
        questionnaires; sustained deviation flags review.

RULE 6: ratings.redo_rate_pct_last_90d must be computed from real return
        visits within 90 days for the SAME issue.category. Partners
        cannot mask redo rate by reclassifying returns under different
        categories. TOMO maintains its own redo-rate ledger from CPC
        timestamps.

RULE 7: warranty.parts_warranty_months and labour_warranty_months MUST
        be honoured. If partner declines a warranty claim on a TOMO-routed
        repair (verified via user dispute), that is a suspension trigger.

RULE 8: accreditations claims (iso_9001, oem_certified, body_shop_certified)
        require uploaded certificates during compliance review.

RULE 9: insurance_handling.cashless_network_partner_for[] must reflect
        real network agreements with named insurers. Cannot claim
        cashless and then bill direct.

RULE 10: AI-generated workshop / vehicle / damage photos forbidden.
         All imagery must be real and from current operations.

RULE 11: Mid-repair scope expansions must include new findings + evidence
         and re-trigger user approval. Bypassing the re-approval gate
         (e.g. just adding line items to invoice) is grounds for
         immediate suspension.

RULE 12: No "Top Pick" / "TOMO Recommended" badges. Source-blind TTBS only.

RULE 13: artificial_urgency_text forbidden in any field. Severity-based
         language ("required_for_safety", "immediate") is permitted only
         when the finding is genuinely safety-critical. Crying-wolf on
         severity is grounds for review.

VERSION HISTORY

v1.0.0 — 2026-05-11 — Initial spec. NET commission base in §8. Safety-dominant
                       TTBS (0.40) — appropriate for major repairs where mis-done
                       work has serious consequences.