Two-stage eligibility — pre-flight then price

The /v1/pricing/eligibility endpoint is fast (sub-50ms warm) and returns the eligible/ineligible split. Use it on every form change so the LO sees survivors update live. Then run /v1/pricing/mode with BEST_EX only when the LO is ready to commit.

async function handleFormChange(input: LoanInput) {
  const elig = await api.eligibility(input);
  setEligible(elig.eligible);
  setIneligible(elig.ineligible);
  // The LO sees real-time survivor list as they type. No pricing yet.
}

async function handleGetQuotes(input: LoanInput) {
  // Now fire the full ladder. The engine internally runs Stage 1 again
  // for safety, but the survivor set is the same — no extra work.
  const quotes = await api.pricing(input, "BEST_EX");
  setQuotes(quotes);
}