Mini Due Diligence v1.0<\/title>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2canvas\/1.4.1\/html2canvas.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/pdf.js\/3.11.174\/pdf.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/mammoth\/1.6.0\/mammoth.browser.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/xlsx\/0.18.5\/xlsx.full.min.js\"><\/script>\n <style>\n :root{\n --black:#0f0f0f;\n --black2:#181818;\n --gold:#c9a227;\n --gold2:#e4c763;\n --white:#ffffff;\n --paper:#f8f7f2;\n --muted:#666666;\n --line:#ded6bd;\n --red:#a83232;\n --orange:#a66a00;\n --green:#27733d;\n --blue:#2d5b8a;\n --shadow:0 14px 35px rgba(0,0,0,.12);\n --radius:18px;\n }\n *{box-sizing:border-box}\n body{margin:0;font-family:Georgia,'Times New 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solid #eee;padding:8px 0;font-family:Arial,sans-serif;font-size:13px}.checkhead{font-weight:800;background:#111;color:#fff;padding:9px;border-radius:10px;margin-top:12px}\n .risk{border:1px solid var(--line);border-radius:14px;padding:13px;margin-bottom:10px;background:#fff;font-family:Arial,sans-serif}.risk-title{display:flex;justify-content:space-between;gap:10px;font-weight:800}.risk p{margin:7px 0}\n .chatbox{height:330px;overflow:auto;border:1px solid var(--line);border-radius:16px;background:#fbfbfb;padding:12px}.msg{padding:10px 12px;border-radius:14px;margin:8px 0;font-family:Arial,sans-serif;font-size:14px}.user{background:#111;color:white;margin-left:25%}.ai{background:#fff3cb;border:1px solid var(--gold);margin-right:20%}\n #reportPreview{background:white;color:#111;padding:30px;border-radius:18px;border:1px solid var(--line)}.report-cover{background:#111;color:white;border-radius:16px;padding:24px;margin-bottom:20px;border-bottom:5px solid var(--gold)}.report-cover h2{color:white;border-bottom:none;padding:0;margin:0 0 6px}.broker-box{display:grid;grid-template-columns:90px 1fr;gap:14px;align-items:center;border:1px solid var(--line);border-radius:14px;padding:12px;background:#fff}.broker-box img{width:80px;height:80px;border-radius:12px;object-fit:cover;border:2px solid var(--gold)}\n .toast{position:fixed;right:18px;bottom:18px;background:#111;color:white;border-left:5px solid var(--gold);padding:13px 16px;border-radius:12px;box-shadow:var(--shadow);display:none;z-index:50;font-family:Arial,sans-serif}.loading{display:none;align-items:center;gap:8px;font-family:Arial,sans-serif;font-weight:800}.spinner{width:18px;height:18px;border:3px solid #ddd;border-top-color:var(--gold);border-radius:50%;animation:spin 1s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}\n @media(max-width:850px){.hero-inner,.two,.three{grid-template-columns:1fr}.span-8,.span-6,.span-4{grid-column:span 12}.file-item{grid-template-columns:1fr}.checkrow{grid-template-columns:1fr}.hero h1{font-size:32px}}\n @media print{body{background:white}.nav,.no-print,.hero,.btnrow{display:none!important}.app{max-width:none;padding:0}.card{box-shadow:none;border:none;padding:0}.report-only{display:block!important}#reportPreview{border:none;padding:0}.page-break{page-break-before:always}}\n <\/style>\n<\/head>\n<body>\n <div class=\"hero\">\n <div class=\"hero-inner\">\n <div>\n <div class=\"eyebrow\">Business Broker AI Review Tool<\/div>\n <h1>Mini Due Diligence v1.0<\/h1>\n <p>AI-assisted preliminary document review for listings, buyer pre-analysis, red flags, missing information, follow-up questions, and polished broker reports.<\/p>\n <\/div>\n <div class=\"hero-card\">\n <strong>Important<\/strong>\n This tool performs a preliminary review only. It does not replace full legal, tax, accounting, lending, environmental, valuation, or professional due diligence.\n <\/div>\n <\/div>\n <\/div>\n <div class=\"app\">\n <div class=\"nav no-print\" id=\"nav\">\n <button data-target=\"intake\" class=\"active\">1. Intake<\/button><button data-target=\"upload\">2. Documents<\/button><button data-target=\"review\">3. AI Review<\/button><button data-target=\"checklist\">4. Checklist<\/button><button data-target=\"redflags\">5. Red Flags<\/button><button data-target=\"questions\">6. Questions<\/button><button data-target=\"assist\">7. AI Assist<\/button><button data-target=\"report\">8. Report<\/button><button data-target=\"exports\">9. Export<\/button>\n <\/div>\n\n <section id=\"intake\" class=\"card\">\n <h2>Business Information Intake<\/h2>\n <div class=\"three\">\n <div class=\"field\"><label>Business Name<\/label><input id=\"businessName\"><\/div>\n <div class=\"field\"><label>Industry<\/label><input id=\"industry\"><\/div>\n <div class=\"field\"><label>Location<\/label><input id=\"location\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Asking Price<\/label><input id=\"askingPrice\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>Gross Revenue<\/label><input id=\"grossRevenue\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>SDE \/ Adjusted Cash Flow<\/label><input id=\"sde\" placeholder=\"$\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>EBITDA<\/label><input id=\"ebitda\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>Inventory Treatment<\/label><input id=\"inventory\" placeholder=\"Included, excluded, estimated value...\"><\/div>\n <div class=\"field\"><label>Real Estate<\/label><select id=\"realEstate\"><option>Leased<\/option><option>Included<\/option><option>Available Separately<\/option><option>Unknown<\/option><\/select><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Number of Employees<\/label><input id=\"employees\"><\/div>\n <div class=\"field\"><label>Years in Business<\/label><input id=\"years\"><\/div>\n <div class=\"field\"><label>Reason for Sale<\/label><input id=\"reason\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>User Role<\/label><select id=\"userRole\"><option>Listing Broker<\/option><option>Buyer Broker<\/option><option>Buyer<\/option><option>Seller<\/option><option>Advisor<\/option><\/select><\/div>\n <div class=\"field\"><label>Review Purpose<\/label><select id=\"purpose\"><option>New Listing Review<\/option><option>Buyer Pre-Analysis<\/option><option>Document Review<\/option><option>Offer Preparation<\/option><option>Other<\/option><\/select><\/div>\n <div class=\"field\"><label>Prepared By<\/label><input id=\"preparedBy\"><\/div>\n <\/div>\n <h3>Broker Branding<\/h3>\n <div class=\"three\">\n <div class=\"field\"><label>Broker Name<\/label><input id=\"brokerName\"><\/div>\n <div class=\"field\"><label>Broker Company<\/label><input id=\"brokerCompany\"><\/div>\n <div class=\"field\"><label>Broker Email<\/label><input id=\"brokerEmail\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Broker Phone<\/label><input id=\"brokerPhone\"><\/div>\n <div class=\"field\"><label>Broker Website<\/label><input id=\"brokerWebsite\"><\/div>\n <div class=\"field\"><label>Broker Headshot \/ Logo<\/label><input id=\"brokerImage\" type=\"file\" accept=\"image\/*\"><\/div>\n <\/div>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"saveDraft()\">Save Draft Locally<\/button><button class=\"secondary\" onclick=\"loadDraft()\">Load Draft<\/button><\/div>\n <\/section>\n\n <section id=\"upload\" class=\"card\">\n <h2>Document Upload Center<\/h2>\n <div class=\"upload no-print\" id=\"dropZone\"><strong>Drag and drop documents here<\/strong><br><span class=\"small\">PDF, Word, Excel, CSV, TXT, PNG, JPG, JPEG, WEBP<\/span><input id=\"fileInput\" type=\"file\" multiple accept=\".pdf,.doc,.docx,.xls,.xlsx,.csv,.txt,.png,.jpg,.jpeg,.webp\" style=\"display:none\"><\/div>\n <div class=\"file-list\" id=\"fileList\"><\/div>\n <div class=\"small\">Text extraction works in-browser where supported. Image OCR is not included in this self-contained version; image file names will still be listed in the report.<\/div>\n <\/section>\n\n <section id=\"review\" class=\"card\">\n <h2>AI Document Review<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"runAnalysis()\">Generate Mini Due Diligence Review<\/button><div class=\"loading\" id=\"loadingReview\"><span class=\"spinner\"><\/span>Reviewing information...<\/div><\/div>\n <div id=\"aiReview\" class=\"output\">Your AI-assisted review will appear here.<\/div>\n <\/section>\n\n <section id=\"checklist\" class=\"card checklist\">\n <h2>Missing Information Checklist<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"buildChecklist()\">Refresh Checklist<\/button><button class=\"light\" onclick=\"copySection('checklistContent')\">Copy Missing Items<\/button><\/div>\n <div id=\"checklistContent\"><\/div>\n <\/section>\n\n <section id=\"redflags\" class=\"card\">\n <h2>Preliminary Red Flag Detector<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"generateRedFlags()\">Generate Red Flags<\/button><\/div>\n <div id=\"riskScore\" class=\"output\"><\/div>\n <div id=\"redFlagList\"><\/div>\n <\/section>\n\n <section id=\"questions\" class=\"card\">\n <h2>Broker \/ Buyer Questions Generator<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"generateQuestions()\">Generate Questions<\/button><button class=\"light\" onclick=\"copySection('questionsOutput')\">Copy Questions<\/button><\/div>\n <div id=\"questionsOutput\" class=\"output\"><\/div>\n <\/section>\n\n <section id=\"assist\" class=\"card\">\n <h2>AI Assist Chat<\/h2>\n <div class=\"chatbox\" id=\"chatbox\"><div class=\"msg ai\">Ask questions about the uploaded documents and business information. Example: \u201cWhat should I ask the seller next?\u201d<\/div><\/div>\n <div class=\"two no-print\" style=\"margin-top:12px\"><input id=\"chatInput\" placeholder=\"Ask AI Assist a question...\"><button class=\"primary\" onclick=\"sendChat()\">Ask AI<\/button><\/div>\n <div class=\"small\">AI answers should be based on uploaded\/user-provided information unless clearly stated as general broker guidance.<\/div>\n <\/section>\n\n <section id=\"report\" class=\"card\">\n <h2>Report Generator<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"renderReport()\">Preview \/ Refresh Report<\/button><\/div>\n <div id=\"reportPreview\"><\/div>\n <\/section>\n\n <section id=\"exports\" class=\"card no-print\">\n <h2>Export Options<\/h2>\n <div class=\"btnrow\"><button class=\"primary\" onclick=\"exportPDF()\">Export PDF Report<\/button><button class=\"secondary\" onclick=\"copySection('aiReview')\">Copy Summary<\/button><button class=\"secondary\" onclick=\"copySection('questionsOutput')\">Copy Questions<\/button><button class=\"light\" onclick=\"window.print()\">Print Report<\/button><button class=\"primary\" onclick=\"saveDraft()\">Save Draft Locally<\/button><button class=\"danger\" onclick=\"resetReview()\">Reset Review<\/button><\/div>\n <p class=\"disclaimer\" id=\"disclaimerText\">This preliminary review is for informational purposes only and is not a substitute for full due diligence, legal advice, tax advice, accounting advice, valuation advice, environmental review, lending review, or professional consulting. All information should be independently verified by the buyer, broker, attorney, CPA, lender, landlord, franchisor, and other appropriate professionals before making any business decision.<\/p>\n <\/section>\n <\/div>\n <div class=\"toast\" id=\"toast\"><\/div>\n\n<script>\nconst AI_ENDPOINT = window.BROKERS_PRO_AI_ENDPOINT || (window.wpApiSettings?.root ? window.wpApiSettings.root.replace(\/\\\/$\/,'') + '\/brokers-pro\/v1\/ai-assist' : '\/wp-json\/brokers-pro\/v1\/ai-assist');\nconst AI_NONCE = window.BROKERS_PRO_AI_NONCE || window.wpApiSettings?.nonce || '';\nlet lastAIError = '';\nlet uploadedDocs = [];\nlet brokerImageData = '';\nconst qs = id => document.getElementById(id);\nconst intakeIds = ['businessName','industry','location','askingPrice','grossRevenue','sde','ebitda','inventory','realEstate','employees','years','reason','userRole','purpose','preparedBy','brokerName','brokerCompany','brokerEmail','brokerPhone','brokerWebsite'];\nconst disclaimer = 'This preliminary review is for informational purposes only and is not a substitute for full due diligence, legal advice, tax advice, accounting advice, valuation advice, environmental review, lending review, or professional consulting. All information should be independently verified by the buyer, broker, attorney, CPA, lender, landlord, franchisor, and other appropriate professionals before making any business decision.';\n\nfunction toast(msg){const t=qs('toast');t.textContent=msg;t.style.display='block';setTimeout(()=>t.style.display='none',2800)}\nfunction val(id){return qs(id)?.value?.trim() || ''}\nfunction intake(){const o={};intakeIds.forEach(id=>o[id]=val(id));return o}\nfunction moneyText(v){return v || 'Not provided'}\nfunction today(){return new Date().toLocaleDateString()}\n\nqs('nav').addEventListener('click',e=>{if(e.target.tagName==='BUTTON'){document.querySelectorAll('.nav button').forEach(b=>b.classList.remove('active'));e.target.classList.add('active');qs(e.target.dataset.target).scrollIntoView({behavior:'smooth',block:'start'});}});\n\nconst dz=qs('dropZone'), fi=qs('fileInput');\ndz.onclick=()=>fi.click();\ndz.ondragover=e=>{e.preventDefault();dz.classList.add('drag')};\ndz.ondragleave=()=>dz.classList.remove('drag');\ndz.ondrop=e=>{e.preventDefault();dz.classList.remove('drag');handleFiles(e.dataTransfer.files)};\nfi.onchange=e=>handleFiles(e.target.files);\nqs('brokerImage').onchange=e=>{const f=e.target.files[0]; if(!f)return; const r=new FileReader(); r.onload=()=>{brokerImageData=r.result;toast('Broker image loaded')}; r.readAsDataURL(f)};\n\nasync function handleFiles(files){for(const file of files){const doc={id:Date.now()+Math.random(),name:file.name,type:file.type||file.name.split('.').pop(),size:file.size,category:'Other Documents',label:file.name,text:'',status:'Extracting...'};uploadedDocs.push(doc);renderFiles();try{doc.text=await extractText(file);doc.status=doc.text?'Extracted':'No text extracted';}catch(err){doc.status='Extraction failed';doc.text='';}renderFiles();}toast('Documents added')}\nasync function extractText(file){const name=file.name.toLowerCase(); if(name.endsWith('.txt')||name.endsWith('.csv')) return await file.text(); if(name.endsWith('.pdf')) return await extractPDF(file); if(name.endsWith('.docx')){const buf=await file.arrayBuffer(); const res=await mammoth.extractRawText({arrayBuffer:buf}); return res.value||'';} if(name.endsWith('.xlsx')||name.endsWith('.xls')){const buf=await file.arrayBuffer(); const wb=XLSX.read(buf,{type:'array'}); let out=''; wb.SheetNames.forEach(s=>{out+='\\nSheet: '+s+'\\n'+XLSX.utils.sheet_to_csv(wb.Sheets[s]);}); return out;} return '';}\nasync function extractPDF(file){pdfjsLib.GlobalWorkerOptions.workerSrc='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/pdf.js\/3.11.174\/pdf.worker.min.js'; const data=await file.arrayBuffer(); const pdf=await pdfjsLib.getDocument({data}).promise; let text=''; for(let i=1;i<=pdf.numPages;i++){const page=await pdf.getPage(i); const content=await page.getTextContent(); text+='\\n--- Page '+i+' ---\\n'+content.items.map(x=>x.str).join(' ');} return text;}\nfunction renderFiles(){const list=qs('fileList'); list.innerHTML=''; uploadedDocs.forEach(doc=>{const div=document.createElement('div');div.className='file-item';div.innerHTML=`<div><strong>${doc.name}<\/strong><br><span class=\"small\">${Math.round(doc.size\/1024)} KB \u00b7 ${doc.status}<\/span><\/div><select onchange=\"setDocCat('${doc.id}',this.value)\">${categories().map(c=>`<option ${doc.category===c?'selected':''}>${c}<\/option>`).join('')}<\/select><input value=\"${escapeHtml(doc.label)}\" onchange=\"setDocLabel('${doc.id}',this.value)\"><button class=\"danger\" onclick=\"removeDoc('${doc.id}')\">Remove<\/button>`;list.appendChild(div);});}\nfunction categories(){return ['Financial Statements','Tax Returns','Lease Documents','CIM \/ Offering Memorandum','Seller Questionnaire','Equipment List','Inventory Report','Payroll \/ Employee Information','Franchise Documents','Licenses \/ Permits','Contracts','Photos','Other Documents']}\nfunction setDocCat(id,v){const d=uploadedDocs.find(x=>String(x.id)===String(id)); if(d)d.category=v} function setDocLabel(id,v){const d=uploadedDocs.find(x=>String(x.id)===String(id)); if(d)d.label=v} function removeDoc(id){uploadedDocs=uploadedDocs.filter(x=>String(x.id)!==String(id));renderFiles()}\nfunction escapeHtml(s){return String(s||'').replace(\/[&<>\"]\/g,c=>({'&':'&','<':'<','>':'>','\"':'"'}[c]))}\n\nfunction contextText(){const i=intake();return `Business Intake:\\n${Object.entries(i).map(([k,v])=>`${k}: ${v||'Not provided'}`).join('\\n')}\\n\\nDocuments:\\n${uploadedDocs.map(d=>`File: ${d.name}\\nCategory: ${d.category}\\nLabel: ${d.label}\\nExtracted Text:\\n${(d.text||'').slice(0,12000)}`).join('\\n\\n')}`}\nfunction extractAIAnswer(data){\n if(!data || typeof data !== 'object') return '';\n const answer = data.answer || data.response || data.message || data.result || data.content || '';\n const note = data.note || data.error || data.code || '';\n const combined = (String(answer) + ' ' + String(note)).toLowerCase();\n if(combined.includes('api key is not configured') || combined.includes('brokers_pro_openai_api_key') || combined.includes('missing api key')){\n lastAIError = 'AI Assist reached the WordPress endpoint, but the OpenAI API key is not configured on the server.';\n return '';\n }\n if(typeof answer === 'string' && answer.trim()) return answer.trim();\n lastAIError = 'AI Assist returned an unexpected response format.';\n return '';\n}\nasync function callAI(prompt){\n lastAIError = '';\n const headers = {'Content-Type':'application\/json'};\n if(AI_NONCE) headers['X-WP-Nonce'] = AI_NONCE;\n try{\n const res = await fetch(AI_ENDPOINT,{\n method:'POST',\n credentials:'same-origin',\n headers,\n body:JSON.stringify({message:prompt,context:contextText(),tool:'mini_due_diligence_v1'})\n });\n let data = null;\n try{ data = await res.json(); }catch(jsonErr){}\n if(!res.ok){\n lastAIError = data?.message || data?.error || `AI endpoint error ${res.status}`;\n return '';\n }\n return extractAIAnswer(data);\n }catch(e){\n lastAIError = e?.message || 'AI endpoint did not respond.';\n return '';\n }\n}\nfunction aiSetupNotice(){\n return 'AI Assist connection needs server setup: ' + (lastAIError || 'OpenAI API key is missing or the endpoint is unavailable.') + '\\n\\nWordPress fix: add BROKERS_PRO_OPENAI_API_KEY in wp-config.php or save it as the brokers_pro_openai_api_key option. Until that is configured, this page will use the built-in local review fallback.\\n\\n';\n}\nasync function runAnalysis(){qs('loadingReview').style.display='flex';const prompt=`Use the Mini Due Diligence system prompt. Analyze the provided business intake and documents. Produce: Executive Summary, Business Overview, Documents Reviewed, Key Facts Found, Financial Snapshot, Operational Summary, Lease\/Real Estate Summary, Assets\/Equipment\/Inventory Summary, Missing Information, Preliminary Red Flags, Suggested Follow-Up Questions, Broker\/Buyer Next Steps, and Disclaimer. Clearly separate confirmed facts from assumptions.`;let ai=await callAI(prompt); if(!ai) ai=aiSetupNotice()+localAnalysis(); qs('aiReview').textContent=ai; qs('loadingReview').style.display='none'; buildChecklist(); generateRedFlags(); generateQuestions(); renderReport();}\nfunction localAnalysis(){const i=intake();const docs=uploadedDocs.map(d=>`${d.name} (${d.category})`).join(', ')||'No documents uploaded';return `EXECUTIVE SUMMARY\\n${i.businessName||'The business'} is being reviewed for ${i.purpose||'preliminary due diligence'}. Based on the information currently entered and documents uploaded, this review is preliminary and should be verified by appropriate professionals.\\n\\nBUSINESS OVERVIEW\\nIndustry: ${i.industry||'Not provided'}\\nLocation: ${i.location||'Not provided'}\\nAsking Price: ${moneyText(i.askingPrice)}\\nGross Revenue: ${moneyText(i.grossRevenue)}\\nSDE \/ Adjusted Cash Flow: ${moneyText(i.sde)}\\nEBITDA: ${moneyText(i.ebitda)}\\nEmployees: ${i.employees||'Not provided'}\\nYears in Business: ${i.years||'Not provided'}\\nReason for Sale: ${i.reason||'Not provided'}\\n\\nDOCUMENTS REVIEWED\\n${docs}\\n\\nKEY FACTS FOUND\\nThe tool found the user-entered information above and ${uploadedDocs.length} uploaded document(s). Use AI endpoint connection for deeper document reasoning across the extracted text.\\n\\nFINANCIAL SNAPSHOT\\nRevenue, SDE, EBITDA, tax returns, P&L statements, balance sheets, add-back support, payroll, and bank records should be verified.\\n\\nMISSING INFORMATION\\nReview the checklist below for missing or unclear items. Common missing items include tax returns, P&L statements, lease, add-back support, equipment list, payroll, inventory, licenses, and reason for sale support.\\n\\nPRELIMINARY RED FLAGS\\nPotential concerns may include incomplete financial package, missing tax returns, unsupported asking price, unclear lease assignment, owner dependency, and unclear inventory treatment.\\n\\nSUGGESTED FOLLOW-UP QUESTIONS\\nAsk the seller for complete financials, add-back support, lease assignment terms, owner role, employee details, inventory treatment, customer concentration, vendor concentration, and transition support.\\n\\nBROKER \/ BUYER NEXT STEPS\\nCollect missing documents, verify numbers, clarify lease and operational dependencies, and involve attorney, CPA, lender, landlord, franchisor, and other professionals as appropriate.\\n\\nDISCLAIMER\\n${disclaimer}`}\n\nconst checks={\n'Financial Information':['Three years of tax returns','Three years of P&L statements','Current year-to-date P&L','Balance sheet','Sales by month','Bank statements','Add-back support','Payroll records','Debt schedule'],\n'Business Operations':['Owner role and weekly hours','Employee list','Key manager information','Vendor list','Customer concentration information','Licenses and permits','Standard operating procedures','Inventory details','Equipment list'],\n'Real Estate \/ Lease':['Lease agreement','Lease expiration date','Renewal options','Rent amount','CAM charges','Assignment clause','Landlord approval requirements','Real estate ownership details, if applicable'],\n'Deal Information':['Asking price','Included assets','Excluded assets','Inventory treatment','Seller financing terms','Training and transition support','Non-compete details','Reason for sale'],\n'Legal \/ Compliance':['Franchise agreement, if applicable','Material contracts','Litigation disclosures','Licenses and permits','Environmental concerns','Insurance information']\n};\nfunction docCorpus(){return (uploadedDocs.map(d=>(d.name+' '+d.category+' '+d.label+' '+d.text)).join(' ')+' '+Object.values(intake()).join(' ')).toLowerCase()}\nfunction statusFor(item){const c=docCorpus(); const t=item.toLowerCase(); let keys=t.split(\/\\W+\/).filter(w=>w.length>4); if(t.includes('asking price')&&val('askingPrice'))return 'Provided'; if(t.includes('reason')&&val('reason'))return 'Provided'; if(t.includes('inventory')&&val('inventory'))return 'Provided'; if(t.includes('employee')&&val('employees'))return 'Needs Confirmation'; if(keys.some(k=>c.includes(k)))return 'Needs Confirmation'; return 'Missing'}\nfunction buildChecklist(){let html=''; Object.entries(checks).forEach(([cat,items])=>{html+=`<div class=\"checkhead\">${cat}<\/div><div class=\"checkrow\"><strong>Item<\/strong><strong>Status<\/strong><strong>Notes<\/strong><\/div>`;items.forEach(item=>{const s=statusFor(item); const cls=s==='Provided'?'provided':s==='Missing'?'missing':s==='Needs Confirmation'?'confirm':'unclear'; html+=`<div class=\"checkrow\"><div>${item}<\/div><div><span class=\"badge ${cls}\">${s}<\/span><\/div><div>${s==='Provided'?'Appears to be provided from intake or documents.':s==='Needs Confirmation'?'A related reference was found or entered, but details should be verified.':'Not clearly found in the current intake or uploaded text.'}<\/div><\/div>`;});}); qs('checklistContent').innerHTML=html;}\nfunction generateRedFlags(){const flags=[]; const c=docCorpus(); if(!c.includes('tax return')) flags.push(['Missing tax returns','Tax returns help verify reported revenue and profit.','High','Can you provide the last three years of complete business tax returns?','Request tax returns before relying on seller-provided financials.']); if(!val('grossRevenue')||!val('sde')) flags.push(['Incomplete financial snapshot','Revenue and cash flow are essential for preliminary analysis.','High','What are the trailing twelve-month revenue and SDE figures?','Collect P&L, tax returns, and add-back support.']); if(!c.includes('lease')) flags.push(['Lease not clearly provided','Lease terms can materially affect transferability and buyer financing.','High','Can you provide the full lease, renewal options, and assignment clause?','Review lease with landlord and attorney.']); if(!c.includes('equipment')) flags.push(['Missing equipment list','Buyers need to know what assets are included and their condition.','Medium','Can you provide a detailed equipment list with included\/excluded items?','Request equipment list and confirm ownership\/liens.']); if(!val('reason')) flags.push(['Unclear reason for sale','Reason for sale affects buyer confidence and negotiation.','Medium','Why is the owner selling now?','Document seller explanation and verify consistency.']); if(!c.includes('payroll')) flags.push(['Payroll records not clearly provided','Payroll verifies labor cost, staffing, and operational dependencies.','Medium','Can you provide payroll reports and employee roster?','Review payroll and key employee dependency.']); if(!c.includes('customer')) flags.push(['Customer concentration unclear','A few major customers can create revenue risk.','Medium','What percentage of revenue comes from the top 5 customers?','Request customer concentration summary.']);\nlet score=Math.min(100,flags.reduce((s,f)=>s+(f[2]==='High'?18:f[2]==='Medium'?10:5),0)); let level=score<25?'Low Risk':score<50?'Moderate Risk':score<75?'Elevated Risk':'High Risk'; qs('riskScore').textContent=`Preliminary Risk Score: ${score}\/100 (${level})\\nThis score is directional only and depends on document completeness and verification.`; qs('redFlagList').innerHTML=flags.map(f=>`<div class=\"risk\"><div class=\"risk-title\"><span>${f[0]}<\/span><span class=\"badge ${f[2].toLowerCase()}\">${f[2]}<\/span><\/div><p><strong>Why it matters:<\/strong> ${f[1]}<\/p><p><strong>Suggested question:<\/strong> ${f[3]}<\/p><p><strong>Suggested next step:<\/strong> ${f[4]}<\/p><\/div>`).join('')||'<div class=\"output\">No major automatic red flags detected. Professional verification is still required.<\/div>'}\nfunction generateQuestions(){const text=`SELLER QUESTIONS\\n- Why are you selling the business now?\\n- What transition support are you willing to provide?\\n- What is your weekly role and time commitment?\\n\\nFINANCIAL QUESTIONS\\n- Please provide three years of tax returns, P&Ls, and current year-to-date P&L.\\n- What add-backs are included in SDE and what support exists for each?\\n- Are there any debts, liens, or unusual one-time expenses?\\n\\nLEASE QUESTIONS\\n- What is the lease expiration date and are there renewal options?\\n- Does the lease allow assignment to a buyer?\\n- Is landlord approval required?\\n\\nOPERATIONS QUESTIONS\\n- Who runs the business when the owner is absent?\\n- Are there written SOPs?\\n- Which employees are critical?\\n\\nCUSTOMER \/ VENDOR QUESTIONS\\n- What percentage of revenue comes from the top customers?\\n- Are any vendor relationships exclusive or hard to replace?\\n\\nLEGAL \/ COMPLIANCE QUESTIONS\\n- Are all licenses and permits current and transferable?\\n- Are there any lawsuits, claims, environmental issues, or compliance concerns?\\n\\nVALUATION \/ FINANCING QUESTIONS\\n- How was the asking price determined?\\n- Is seller financing available?\\n- What assets and inventory are included?\\n\\nCLOSING PREPARATION QUESTIONS\\n- What documents are still needed before LOI or closing?\\n- Who must approve transfer: landlord, franchisor, lender, licensing agency, or others?`; qs('questionsOutput').textContent=text;}\nasync function sendChat(){const input=qs('chatInput'); const q=input.value.trim(); if(!q)return; addMsg(q,'user'); input.value=''; const prompt=`Answer this Mini Due Diligence AI Assist question based on the provided business intake, uploaded document text, generated review, checklist, and red flags. If using general broker guidance, clearly say so. Question: ${q}`; let ans=await callAI(prompt); if(!ans) ans=aiSetupNotice()+'Based on the current local review, verify the financials, lease terms, owner role, add-backs, employee information, inventory treatment, customer concentration, and missing documents before making any decision.\\n\\n'+disclaimer; addMsg(ans,'ai');}\nfunction addMsg(text,cls){const d=document.createElement('div');d.className='msg '+cls;d.textContent=text;qs('chatbox').appendChild(d);qs('chatbox').scrollTop=qs('chatbox').scrollHeight;}\nfunction renderReport(){const i=intake();const docs=uploadedDocs.map(d=>`<li>${escapeHtml(d.name)} \u2014 ${escapeHtml(d.category)} \u2014 ${escapeHtml(d.status)}<\/li>`).join('')||'<li>No documents uploaded.<\/li>';qs('reportPreview').innerHTML=`<div class=\"report-cover\"><h2>Mini Due Diligence Review Report<\/h2><div>${escapeHtml(i.businessName||'Business Name Not Provided')}<\/div><div>Date: ${today()}<\/div><div>Prepared By: ${escapeHtml(i.preparedBy||i.brokerName||'Not provided')}<\/div><\/div>${brokerImageData||i.brokerName||i.brokerCompany?`<div class=\"broker-box\">${brokerImageData?`<img decoding=\"async\" src=\"${brokerImageData}\">`:'<div><\/div>'}<div><strong>${escapeHtml(i.brokerName||'Broker Name')}<\/strong><br>${escapeHtml(i.brokerCompany||'Broker Company')}<br>${escapeHtml(i.brokerEmail||'')} ${escapeHtml(i.brokerPhone||'')}<br>${escapeHtml(i.brokerWebsite||'')}<\/div><\/div>`:''}<h3>Business Overview<\/h3><p><strong>Industry:<\/strong> ${escapeHtml(i.industry||'Not provided')}<br><strong>Location:<\/strong> ${escapeHtml(i.location||'Not provided')}<br><strong>Role:<\/strong> ${escapeHtml(i.userRole)}<br><strong>Review Purpose:<\/strong> ${escapeHtml(i.purpose)}<\/p><h3>Financial Summary<\/h3><p><strong>Asking Price:<\/strong> ${escapeHtml(moneyText(i.askingPrice))}<br><strong>Gross Revenue:<\/strong> ${escapeHtml(moneyText(i.grossRevenue))}<br><strong>SDE:<\/strong> ${escapeHtml(moneyText(i.sde))}<br><strong>EBITDA:<\/strong> ${escapeHtml(moneyText(i.ebitda))}<\/p><h3>Uploaded Documents Reviewed<\/h3><ul>${docs}<\/ul><h3>AI Review Summary<\/h3><div style=\"white-space:pre-wrap\">${escapeHtml(qs('aiReview').textContent)}<\/div><h3>Missing Information Checklist<\/h3>${qs('checklistContent').innerHTML||'<p>Checklist not generated.<\/p>'}<h3>Preliminary Red Flags<\/h3><div style=\"white-space:pre-wrap\">${escapeHtml(qs('riskScore').textContent)}<\/div>${qs('redFlagList').innerHTML}<h3>Questions to Ask<\/h3><div style=\"white-space:pre-wrap\">${escapeHtml(qs('questionsOutput').textContent)}<\/div><h3>Disclaimer<\/h3><p class=\"disclaimer\">${disclaimer}<\/p>`;}\nasync function exportPDF(){renderReport();const {jsPDF}=window.jspdf;const element=qs('reportPreview');const canvas=await html2canvas(element,{scale:2,useCORS:true});const img=canvas.toDataURL('image\/png');const pdf=new jsPDF('p','pt','a4');const pageW=pdf.internal.pageSize.getWidth(), pageH=pdf.internal.pageSize.getHeight();const imgW=pageW-40, imgH=canvas.height*imgW\/canvas.width;let y=20, heightLeft=imgH;pdf.addImage(img,'PNG',20,y,imgW,imgH);heightLeft-=pageH;while(heightLeft>0){pdf.addPage();y=heightLeft-imgH+20;pdf.addImage(img,'PNG',20,y,imgW,imgH);heightLeft-=pageH;}pdf.save((val('businessName')||'Mini_Due_Diligence')+'_Report.pdf');}\nfunction copySection(id){navigator.clipboard.writeText(qs(id).innerText||qs(id).textContent).then(()=>toast('Copied to clipboard'))}\nfunction saveDraft(){const data={intake:intake(),uploadedDocs,brokerImageData,aiReview:qs('aiReview').textContent,questions:qs('questionsOutput').textContent,checklist:qs('checklistContent').innerHTML,redflags:qs('redFlagList').innerHTML,riskScore:qs('riskScore').textContent};localStorage.setItem('miniDueDiligenceV1',JSON.stringify(data));toast('Draft saved locally')}\nfunction loadDraft(){const raw=localStorage.getItem('miniDueDiligenceV1'); if(!raw)return toast('No saved draft found'); const data=JSON.parse(raw); Object.entries(data.intake||{}).forEach(([k,v])=>{if(qs(k))qs(k).value=v}); uploadedDocs=data.uploadedDocs||[]; brokerImageData=data.brokerImageData||''; qs('aiReview').textContent=data.aiReview||''; qs('questionsOutput').textContent=data.questions||''; qs('checklistContent').innerHTML=data.checklist||''; qs('redFlagList').innerHTML=data.redflags||''; qs('riskScore').textContent=data.riskScore||''; renderFiles(); renderReport(); toast('Draft loaded')}\nfunction resetReview(){if(!confirm('Reset this review?'))return; localStorage.removeItem('miniDueDiligenceV1'); location.reload()}\n['businessName','industry','location','askingPrice','grossRevenue','sde','ebitda','inventory','employees','years','reason'].forEach(id=>qs(id).addEventListener('input',()=>{}));\nbuildChecklist(); generateRedFlags(); generateQuestions(); 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\n\t\t\t\t\t\n\n\n \n \n Mini Due Diligence v1.0<\/title>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2canvas\/1.4.1\/html2canvas.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/pdf.js\/3.11.174\/pdf.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/mammoth\/1.6.0\/mammoth.browser.min.js\"><\/script>\n <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/xlsx\/0.18.5\/xlsx.full.min.js\"><\/script>\n <style>\n :root{\n --black:#0f0f0f;\n --black2:#181818;\n --gold:#c9a227;\n --gold2:#e4c763;\n --white:#ffffff;\n --paper:#f8f7f2;\n --muted:#666666;\n --line:#ded6bd;\n --red:#a83232;\n --orange:#a66a00;\n --green:#27733d;\n --blue:#2d5b8a;\n --shadow:0 14px 35px rgba(0,0,0,.12);\n --radius:18px;\n }\n *{box-sizing:border-box}\n body{margin:0;font-family:Georgia,'Times New 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label{display:block;font-family:Arial,sans-serif;font-weight:700;font-size:13px;margin-bottom:6px;color:#242424}\n input,select,textarea{width:100%;border:1px solid #cfc6aa;border-radius:12px;padding:11px 12px;background:#fff;color:#111;font-family:Arial,sans-serif;font-size:14px}\n textarea{min-height:92px;resize:vertical}\n .field{margin-bottom:14px}\n .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}\n .btnrow{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}\n button.primary,.primary{background:var(--gold);border:1px solid var(--gold);color:#050505;font-weight:800;border-radius:12px;padding:12px 16px;cursor:pointer;font-family:Arial,sans-serif;text-decoration:none;display:inline-block}\n button.secondary{background:var(--black);border:1px solid var(--black);color:white;font-weight:800;border-radius:12px;padding:12px 16px;cursor:pointer;font-family:Arial,sans-serif}\n button.light{background:white;border:1px solid var(--line);color:#111;font-weight:800;border-radius:12px;padding:12px 16px;cursor:pointer;font-family:Arial,sans-serif}\n button.danger{background:#641818;border:1px solid #641818;color:white;font-weight:800;border-radius:12px;padding:12px 16px;cursor:pointer;font-family:Arial,sans-serif}\n .upload{border:2px dashed var(--gold);background:#fffaf0;border-radius:18px;padding:26px;text-align:center;cursor:pointer;margin-bottom:14px}\n .upload.drag{background:#fff2c5}\n .file-list{display:grid;gap:10px}.file-item{border:1px solid var(--line);border-radius:14px;padding:12px;background:#fff;display:grid;grid-template-columns:1.3fr .7fr .6fr auto;gap:10px;align-items:center;font-family:Arial,sans-serif;font-size:13px}\n .badge{display:inline-block;border-radius:999px;padding:5px 9px;font-family:Arial,sans-serif;font-size:12px;font-weight:800;border:1px solid transparent}.provided{background:#e8f5ec;color:var(--green);border-color:#b8dfc3}.missing{background:#fae8e8;color:var(--red);border-color:#e1b2b2}.unclear{background:#fff5d8;color:var(--orange);border-color:#ead38e}.confirm{background:#e8f0fb;color:var(--blue);border-color:#b9cee8}.na{background:#eeeeee;color:#444;border-color:#d4d4d4}.low{background:#e8f5ec;color:var(--green)}.medium{background:#fff5d8;color:var(--orange)}.high{background:#fae8e8;color:var(--red)}\n .output{background:#fff;border-left:5px solid var(--gold);padding:16px;border-radius:12px;white-space:pre-wrap;font-family:Arial,sans-serif;font-size:14px;min-height:90px}\n .small{font-family:Arial,sans-serif;color:var(--muted);font-size:12px}.disclaimer{font-size:12px;color:#333;background:#fff8e3;border:1px solid var(--gold);padding:12px;border-radius:12px;font-family:Arial,sans-serif}\n .checklist{overflow:auto}.checkrow{display:grid;grid-template-columns:1.1fr .55fr 1.4fr;gap:10px;align-items:center;border-bottom:1px solid #eee;padding:8px 0;font-family:Arial,sans-serif;font-size:13px}.checkhead{font-weight:800;background:#111;color:#fff;padding:9px;border-radius:10px;margin-top:12px}\n .risk{border:1px solid var(--line);border-radius:14px;padding:13px;margin-bottom:10px;background:#fff;font-family:Arial,sans-serif}.risk-title{display:flex;justify-content:space-between;gap:10px;font-weight:800}.risk p{margin:7px 0}\n .chatbox{height:330px;overflow:auto;border:1px solid var(--line);border-radius:16px;background:#fbfbfb;padding:12px}.msg{padding:10px 12px;border-radius:14px;margin:8px 0;font-family:Arial,sans-serif;font-size:14px}.user{background:#111;color:white;margin-left:25%}.ai{background:#fff3cb;border:1px solid var(--gold);margin-right:20%}\n #reportPreview{background:white;color:#111;padding:30px;border-radius:18px;border:1px solid var(--line)}.report-cover{background:#111;color:white;border-radius:16px;padding:24px;margin-bottom:20px;border-bottom:5px solid var(--gold)}.report-cover h2{color:white;border-bottom:none;padding:0;margin:0 0 6px}.broker-box{display:grid;grid-template-columns:90px 1fr;gap:14px;align-items:center;border:1px solid var(--line);border-radius:14px;padding:12px;background:#fff}.broker-box img{width:80px;height:80px;border-radius:12px;object-fit:cover;border:2px solid var(--gold)}\n .toast{position:fixed;right:18px;bottom:18px;background:#111;color:white;border-left:5px solid var(--gold);padding:13px 16px;border-radius:12px;box-shadow:var(--shadow);display:none;z-index:50;font-family:Arial,sans-serif}.loading{display:none;align-items:center;gap:8px;font-family:Arial,sans-serif;font-weight:800}.spinner{width:18px;height:18px;border:3px solid #ddd;border-top-color:var(--gold);border-radius:50%;animation:spin 1s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}\n @media(max-width:850px){.hero-inner,.two,.three{grid-template-columns:1fr}.span-8,.span-6,.span-4{grid-column:span 12}.file-item{grid-template-columns:1fr}.checkrow{grid-template-columns:1fr}.hero h1{font-size:32px}}\n @media print{body{background:white}.nav,.no-print,.hero,.btnrow{display:none!important}.app{max-width:none;padding:0}.card{box-shadow:none;border:none;padding:0}.report-only{display:block!important}#reportPreview{border:none;padding:0}.page-break{page-break-before:always}}\n <\/style>\n<\/head>\n<body>\n <div class=\"hero\">\n <div class=\"hero-inner\">\n <div>\n <div class=\"eyebrow\">Business Broker AI Review Tool<\/div>\n <h1>Mini Due Diligence v1.0<\/h1>\n <p>AI-assisted preliminary document review for listings, buyer pre-analysis, red flags, missing information, follow-up questions, and polished broker reports.<\/p>\n <\/div>\n <div class=\"hero-card\">\n <strong>Important<\/strong>\n This tool performs a preliminary review only. It does not replace full legal, tax, accounting, lending, environmental, valuation, or professional due diligence.\n <\/div>\n <\/div>\n <\/div>\n <div class=\"app\">\n <div class=\"nav no-print\" id=\"nav\">\n <button data-target=\"intake\" class=\"active\">1. Intake<\/button><button data-target=\"upload\">2. Documents<\/button><button data-target=\"review\">3. AI Review<\/button><button data-target=\"checklist\">4. Checklist<\/button><button data-target=\"redflags\">5. Red Flags<\/button><button data-target=\"questions\">6. Questions<\/button><button data-target=\"assist\">7. AI Assist<\/button><button data-target=\"report\">8. Report<\/button><button data-target=\"exports\">9. Export<\/button>\n <\/div>\n\n <section id=\"intake\" class=\"card\">\n <h2>Business Information Intake<\/h2>\n <div class=\"three\">\n <div class=\"field\"><label>Business Name<\/label><input id=\"businessName\"><\/div>\n <div class=\"field\"><label>Industry<\/label><input id=\"industry\"><\/div>\n <div class=\"field\"><label>Location<\/label><input id=\"location\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Asking Price<\/label><input id=\"askingPrice\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>Gross Revenue<\/label><input id=\"grossRevenue\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>SDE \/ Adjusted Cash Flow<\/label><input id=\"sde\" placeholder=\"$\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>EBITDA<\/label><input id=\"ebitda\" placeholder=\"$\"><\/div>\n <div class=\"field\"><label>Inventory Treatment<\/label><input id=\"inventory\" placeholder=\"Included, excluded, estimated value...\"><\/div>\n <div class=\"field\"><label>Real Estate<\/label><select id=\"realEstate\"><option>Leased<\/option><option>Included<\/option><option>Available Separately<\/option><option>Unknown<\/option><\/select><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Number of Employees<\/label><input id=\"employees\"><\/div>\n <div class=\"field\"><label>Years in Business<\/label><input id=\"years\"><\/div>\n <div class=\"field\"><label>Reason for Sale<\/label><input id=\"reason\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>User Role<\/label><select id=\"userRole\"><option>Listing Broker<\/option><option>Buyer Broker<\/option><option>Buyer<\/option><option>Seller<\/option><option>Advisor<\/option><\/select><\/div>\n <div class=\"field\"><label>Review Purpose<\/label><select id=\"purpose\"><option>New Listing Review<\/option><option>Buyer Pre-Analysis<\/option><option>Document Review<\/option><option>Offer Preparation<\/option><option>Other<\/option><\/select><\/div>\n <div class=\"field\"><label>Prepared By<\/label><input id=\"preparedBy\"><\/div>\n <\/div>\n <h3>Broker Branding<\/h3>\n <div class=\"three\">\n <div class=\"field\"><label>Broker Name<\/label><input id=\"brokerName\"><\/div>\n <div class=\"field\"><label>Broker Company<\/label><input id=\"brokerCompany\"><\/div>\n <div class=\"field\"><label>Broker Email<\/label><input id=\"brokerEmail\"><\/div>\n <\/div>\n <div class=\"three\">\n <div class=\"field\"><label>Broker Phone<\/label><input id=\"brokerPhone\"><\/div>\n <div class=\"field\"><label>Broker Website<\/label><input id=\"brokerWebsite\"><\/div>\n <div class=\"field\"><label>Broker Headshot \/ Logo<\/label><input id=\"brokerImage\" type=\"file\" accept=\"image\/*\"><\/div>\n <\/div>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"saveDraft()\">Save Draft Locally<\/button><button class=\"secondary\" onclick=\"loadDraft()\">Load Draft<\/button><\/div>\n <\/section>\n\n <section id=\"upload\" class=\"card\">\n <h2>Document Upload Center<\/h2>\n <div class=\"upload no-print\" id=\"dropZone\"><strong>Drag and drop documents here<\/strong><br><span class=\"small\">PDF, Word, Excel, CSV, TXT, PNG, JPG, JPEG, WEBP<\/span><input id=\"fileInput\" type=\"file\" multiple accept=\".pdf,.doc,.docx,.xls,.xlsx,.csv,.txt,.png,.jpg,.jpeg,.webp\" style=\"display:none\"><\/div>\n <div class=\"file-list\" id=\"fileList\"><\/div>\n <div class=\"small\">Text extraction works in-browser where supported. Image OCR is not included in this self-contained version; image file names will still be listed in the report.<\/div>\n <\/section>\n\n <section id=\"review\" class=\"card\">\n <h2>AI Document Review<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"runAnalysis()\">Generate Mini Due Diligence Review<\/button><div class=\"loading\" id=\"loadingReview\"><span class=\"spinner\"><\/span>Reviewing information...<\/div><\/div>\n <div id=\"aiReview\" class=\"output\">Your AI-assisted review will appear here.<\/div>\n <\/section>\n\n <section id=\"checklist\" class=\"card checklist\">\n <h2>Missing Information Checklist<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"buildChecklist()\">Refresh Checklist<\/button><button class=\"light\" onclick=\"copySection('checklistContent')\">Copy Missing Items<\/button><\/div>\n <div id=\"checklistContent\"><\/div>\n <\/section>\n\n <section id=\"redflags\" class=\"card\">\n <h2>Preliminary Red Flag Detector<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"generateRedFlags()\">Generate Red Flags<\/button><\/div>\n <div id=\"riskScore\" class=\"output\"><\/div>\n <div id=\"redFlagList\"><\/div>\n <\/section>\n\n <section id=\"questions\" class=\"card\">\n <h2>Broker \/ Buyer Questions Generator<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"generateQuestions()\">Generate Questions<\/button><button class=\"light\" onclick=\"copySection('questionsOutput')\">Copy Questions<\/button><\/div>\n <div id=\"questionsOutput\" class=\"output\"><\/div>\n <\/section>\n\n <section id=\"assist\" class=\"card\">\n <h2>AI Assist Chat<\/h2>\n <div class=\"chatbox\" id=\"chatbox\"><div class=\"msg ai\">Ask questions about the uploaded documents and business information. Example: \u201cWhat should I ask the seller next?\u201d<\/div><\/div>\n <div class=\"two no-print\" style=\"margin-top:12px\"><input id=\"chatInput\" placeholder=\"Ask AI Assist a question...\"><button class=\"primary\" onclick=\"sendChat()\">Ask AI<\/button><\/div>\n <div class=\"small\">AI answers should be based on uploaded\/user-provided information unless clearly stated as general broker guidance.<\/div>\n <\/section>\n\n <section id=\"report\" class=\"card\">\n <h2>Report Generator<\/h2>\n <div class=\"btnrow no-print\"><button class=\"primary\" onclick=\"renderReport()\">Preview \/ Refresh Report<\/button><\/div>\n <div id=\"reportPreview\"><\/div>\n <\/section>\n\n <section id=\"exports\" class=\"card no-print\">\n <h2>Export Options<\/h2>\n <div class=\"btnrow\"><button class=\"primary\" onclick=\"exportPDF()\">Export PDF Report<\/button><button class=\"secondary\" onclick=\"copySection('aiReview')\">Copy Summary<\/button><button class=\"secondary\" onclick=\"copySection('questionsOutput')\">Copy Questions<\/button><button class=\"light\" onclick=\"window.print()\">Print Report<\/button><button class=\"primary\" onclick=\"saveDraft()\">Save Draft Locally<\/button><button class=\"danger\" onclick=\"resetReview()\">Reset Review<\/button><\/div>\n <p class=\"disclaimer\" id=\"disclaimerText\">This preliminary review is for informational purposes only and is not a substitute for full due diligence, legal advice, tax advice, accounting advice, valuation advice, environmental review, lending review, or professional consulting. All information should be independently verified by the buyer, broker, attorney, CPA, lender, landlord, franchisor, and other appropriate professionals before making any business decision.<\/p>\n <\/section>\n <\/div>\n <div class=\"toast\" id=\"toast\"><\/div>\n\n<script>\nconst AI_ENDPOINT = window.BROKERS_PRO_AI_ENDPOINT || (window.wpApiSettings?.root ? window.wpApiSettings.root.replace(\/\\\/$\/,'') + '\/brokers-pro\/v1\/ai-assist' : '\/wp-json\/brokers-pro\/v1\/ai-assist');\nconst AI_NONCE = window.BROKERS_PRO_AI_NONCE || window.wpApiSettings?.nonce || '';\nlet lastAIError = '';\nlet uploadedDocs = [];\nlet brokerImageData = '';\nconst qs = id => document.getElementById(id);\nconst intakeIds = ['businessName','industry','location','askingPrice','grossRevenue','sde','ebitda','inventory','realEstate','employees','years','reason','userRole','purpose','preparedBy','brokerName','brokerCompany','brokerEmail','brokerPhone','brokerWebsite'];\nconst disclaimer = 'This preliminary review is for informational purposes only and is not a substitute for full due diligence, legal advice, tax advice, accounting advice, valuation advice, environmental review, lending review, or professional consulting. All information should be independently verified by the buyer, broker, attorney, CPA, lender, landlord, franchisor, and other appropriate professionals before making any business decision.';\n\nfunction toast(msg){const t=qs('toast');t.textContent=msg;t.style.display='block';setTimeout(()=>t.style.display='none',2800)}\nfunction val(id){return qs(id)?.value?.trim() || ''}\nfunction intake(){const o={};intakeIds.forEach(id=>o[id]=val(id));return o}\nfunction moneyText(v){return v || 'Not provided'}\nfunction today(){return new Date().toLocaleDateString()}\n\nqs('nav').addEventListener('click',e=>{if(e.target.tagName==='BUTTON'){document.querySelectorAll('.nav button').forEach(b=>b.classList.remove('active'));e.target.classList.add('active');qs(e.target.dataset.target).scrollIntoView({behavior:'smooth',block:'start'});}});\n\nconst dz=qs('dropZone'), fi=qs('fileInput');\ndz.onclick=()=>fi.click();\ndz.ondragover=e=>{e.preventDefault();dz.classList.add('drag')};\ndz.ondragleave=()=>dz.classList.remove('drag');\ndz.ondrop=e=>{e.preventDefault();dz.classList.remove('drag');handleFiles(e.dataTransfer.files)};\nfi.onchange=e=>handleFiles(e.target.files);\nqs('brokerImage').onchange=e=>{const f=e.target.files[0]; if(!f)return; const r=new FileReader(); r.onload=()=>{brokerImageData=r.result;toast('Broker image loaded')}; r.readAsDataURL(f)};\n\nasync function handleFiles(files){for(const file of files){const doc={id:Date.now()+Math.random(),name:file.name,type:file.type||file.name.split('.').pop(),size:file.size,category:'Other Documents',label:file.name,text:'',status:'Extracting...'};uploadedDocs.push(doc);renderFiles();try{doc.text=await extractText(file);doc.status=doc.text?'Extracted':'No text extracted';}catch(err){doc.status='Extraction failed';doc.text='';}renderFiles();}toast('Documents added')}\nasync function extractText(file){const name=file.name.toLowerCase(); if(name.endsWith('.txt')||name.endsWith('.csv')) return await file.text(); if(name.endsWith('.pdf')) return await extractPDF(file); if(name.endsWith('.docx')){const buf=await file.arrayBuffer(); const res=await mammoth.extractRawText({arrayBuffer:buf}); return res.value||'';} if(name.endsWith('.xlsx')||name.endsWith('.xls')){const buf=await file.arrayBuffer(); const wb=XLSX.read(buf,{type:'array'}); let out=''; wb.SheetNames.forEach(s=>{out+='\\nSheet: '+s+'\\n'+XLSX.utils.sheet_to_csv(wb.Sheets[s]);}); return out;} return '';}\nasync function extractPDF(file){pdfjsLib.GlobalWorkerOptions.workerSrc='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/pdf.js\/3.11.174\/pdf.worker.min.js'; const data=await file.arrayBuffer(); const pdf=await pdfjsLib.getDocument({data}).promise; let text=''; for(let i=1;i<=pdf.numPages;i++){const page=await pdf.getPage(i); const content=await page.getTextContent(); text+='\\n--- Page '+i+' ---\\n'+content.items.map(x=>x.str).join(' ');} return text;}\nfunction renderFiles(){const list=qs('fileList'); list.innerHTML=''; uploadedDocs.forEach(doc=>{const div=document.createElement('div');div.className='file-item';div.innerHTML=`<div><strong>${doc.name}<\/strong><br><span class=\"small\">${Math.round(doc.size\/1024)} KB \u00b7 ${doc.status}<\/span><\/div><select onchange=\"setDocCat('${doc.id}',this.value)\">${categories().map(c=>`<option ${doc.category===c?'selected':''}>${c}<\/option>`).join('')}<\/select><input value=\"${escapeHtml(doc.label)}\" onchange=\"setDocLabel('${doc.id}',this.value)\"><button class=\"danger\" onclick=\"removeDoc('${doc.id}')\">Remove<\/button>`;list.appendChild(div);});}\nfunction categories(){return ['Financial Statements','Tax Returns','Lease Documents','CIM \/ Offering Memorandum','Seller Questionnaire','Equipment List','Inventory Report','Payroll \/ Employee Information','Franchise Documents','Licenses \/ Permits','Contracts','Photos','Other Documents']}\nfunction setDocCat(id,v){const d=uploadedDocs.find(x=>String(x.id)===String(id)); if(d)d.category=v} function setDocLabel(id,v){const d=uploadedDocs.find(x=>String(x.id)===String(id)); if(d)d.label=v} function removeDoc(id){uploadedDocs=uploadedDocs.filter(x=>String(x.id)!==String(id));renderFiles()}\nfunction escapeHtml(s){return String(s||'').replace(\/[&<>\"]\/g,c=>({'&':'&','<':'<','>':'>','\"':'"'}[c]))}\n\nfunction contextText(){const i=intake();return `Business Intake:\\n${Object.entries(i).map(([k,v])=>`${k}: ${v||'Not provided'}`).join('\\n')}\\n\\nDocuments:\\n${uploadedDocs.map(d=>`File: ${d.name}\\nCategory: ${d.category}\\nLabel: ${d.label}\\nExtracted Text:\\n${(d.text||'').slice(0,12000)}`).join('\\n\\n')}`}\nfunction extractAIAnswer(data){\n if(!data || typeof data !== 'object') return '';\n const answer = data.answer || data.response || data.message || data.result || data.content || '';\n const note = data.note || data.error || data.code || '';\n const combined = (String(answer) + ' ' + String(note)).toLowerCase();\n if(combined.includes('api key is not configured') || combined.includes('brokers_pro_openai_api_key') || combined.includes('missing api key')){\n lastAIError = 'AI Assist reached the WordPress endpoint, but the OpenAI API key is not configured on the server.';\n return '';\n }\n if(typeof answer === 'string' && answer.trim()) return answer.trim();\n lastAIError = 'AI Assist returned an unexpected response format.';\n return '';\n}\nasync function callAI(prompt){\n lastAIError = '';\n const headers = {'Content-Type':'application\/json'};\n if(AI_NONCE) headers['X-WP-Nonce'] = AI_NONCE;\n try{\n const res = await fetch(AI_ENDPOINT,{\n method:'POST',\n credentials:'same-origin',\n headers,\n body:JSON.stringify({message:prompt,context:contextText(),tool:'mini_due_diligence_v1'})\n });\n let data = null;\n try{ data = await res.json(); }catch(jsonErr){}\n if(!res.ok){\n lastAIError = data?.message || data?.error || `AI endpoint error ${res.status}`;\n return '';\n }\n return extractAIAnswer(data);\n }catch(e){\n lastAIError = e?.message || 'AI endpoint did not respond.';\n return '';\n }\n}\nfunction aiSetupNotice(){\n return 'AI Assist connection needs server setup: ' + (lastAIError || 'OpenAI API key is missing or the endpoint is unavailable.') + '\\n\\nWordPress fix: add BROKERS_PRO_OPENAI_API_KEY in wp-config.php or save it as the brokers_pro_openai_api_key option. Until that is configured, this page will use the built-in local review fallback.\\n\\n';\n}\nasync function runAnalysis(){qs('loadingReview').style.display='flex';const prompt=`Use the Mini Due Diligence system prompt. Analyze the provided business intake and documents. Produce: Executive Summary, Business Overview, Documents Reviewed, Key Facts Found, Financial Snapshot, Operational Summary, Lease\/Real Estate Summary, Assets\/Equipment\/Inventory Summary, Missing Information, Preliminary Red Flags, Suggested Follow-Up Questions, Broker\/Buyer Next Steps, and Disclaimer. Clearly separate confirmed facts from assumptions.`;let ai=await callAI(prompt); if(!ai) ai=aiSetupNotice()+localAnalysis(); qs('aiReview').textContent=ai; qs('loadingReview').style.display='none'; buildChecklist(); generateRedFlags(); generateQuestions(); renderReport();}\nfunction localAnalysis(){const i=intake();const docs=uploadedDocs.map(d=>`${d.name} (${d.category})`).join(', ')||'No documents uploaded';return `EXECUTIVE SUMMARY\\n${i.businessName||'The business'} is being reviewed for ${i.purpose||'preliminary due diligence'}. Based on the information currently entered and documents uploaded, this review is preliminary and should be verified by appropriate professionals.\\n\\nBUSINESS OVERVIEW\\nIndustry: ${i.industry||'Not provided'}\\nLocation: ${i.location||'Not provided'}\\nAsking Price: ${moneyText(i.askingPrice)}\\nGross Revenue: ${moneyText(i.grossRevenue)}\\nSDE \/ Adjusted Cash Flow: ${moneyText(i.sde)}\\nEBITDA: ${moneyText(i.ebitda)}\\nEmployees: ${i.employees||'Not provided'}\\nYears in Business: ${i.years||'Not provided'}\\nReason for Sale: ${i.reason||'Not provided'}\\n\\nDOCUMENTS REVIEWED\\n${docs}\\n\\nKEY FACTS FOUND\\nThe tool found the user-entered information above and ${uploadedDocs.length} uploaded document(s). Use AI endpoint connection for deeper document reasoning across the extracted text.\\n\\nFINANCIAL SNAPSHOT\\nRevenue, SDE, EBITDA, tax returns, P&L statements, balance sheets, add-back support, payroll, and bank records should be verified.\\n\\nMISSING INFORMATION\\nReview the checklist below for missing or unclear items. Common missing items include tax returns, P&L statements, lease, add-back support, equipment list, payroll, inventory, licenses, and reason for sale support.\\n\\nPRELIMINARY RED FLAGS\\nPotential concerns may include incomplete financial package, missing tax returns, unsupported asking price, unclear lease assignment, owner dependency, and unclear inventory treatment.\\n\\nSUGGESTED FOLLOW-UP QUESTIONS\\nAsk the seller for complete financials, add-back support, lease assignment terms, owner role, employee details, inventory treatment, customer concentration, vendor concentration, and transition support.\\n\\nBROKER \/ BUYER NEXT STEPS\\nCollect missing documents, verify numbers, clarify lease and operational dependencies, and involve attorney, CPA, lender, landlord, franchisor, and other professionals as appropriate.\\n\\nDISCLAIMER\\n${disclaimer}`}\n\nconst checks={\n'Financial Information':['Three years of tax returns','Three years of P&L statements','Current year-to-date P&L','Balance sheet','Sales by month','Bank statements','Add-back support','Payroll records','Debt schedule'],\n'Business Operations':['Owner role and weekly hours','Employee list','Key manager information','Vendor list','Customer concentration information','Licenses and permits','Standard operating procedures','Inventory details','Equipment list'],\n'Real Estate \/ Lease':['Lease agreement','Lease expiration date','Renewal options','Rent amount','CAM charges','Assignment clause','Landlord approval requirements','Real estate ownership details, if applicable'],\n'Deal Information':['Asking price','Included assets','Excluded assets','Inventory treatment','Seller financing terms','Training and transition support','Non-compete details','Reason for sale'],\n'Legal \/ Compliance':['Franchise agreement, if applicable','Material contracts','Litigation disclosures','Licenses and permits','Environmental concerns','Insurance information']\n};\nfunction docCorpus(){return (uploadedDocs.map(d=>(d.name+' '+d.category+' '+d.label+' '+d.text)).join(' ')+' '+Object.values(intake()).join(' ')).toLowerCase()}\nfunction statusFor(item){const c=docCorpus(); const t=item.toLowerCase(); let keys=t.split(\/\\W+\/).filter(w=>w.length>4); if(t.includes('asking price')&&val('askingPrice'))return 'Provided'; if(t.includes('reason')&&val('reason'))return 'Provided'; if(t.includes('inventory')&&val('inventory'))return 'Provided'; if(t.includes('employee')&&val('employees'))return 'Needs Confirmation'; if(keys.some(k=>c.includes(k)))return 'Needs Confirmation'; return 'Missing'}\nfunction buildChecklist(){let html=''; Object.entries(checks).forEach(([cat,items])=>{html+=`<div class=\"checkhead\">${cat}<\/div><div class=\"checkrow\"><strong>Item<\/strong><strong>Status<\/strong><strong>Notes<\/strong><\/div>`;items.forEach(item=>{const s=statusFor(item); const cls=s==='Provided'?'provided':s==='Missing'?'missing':s==='Needs Confirmation'?'confirm':'unclear'; html+=`<div class=\"checkrow\"><div>${item}<\/div><div><span class=\"badge ${cls}\">${s}<\/span><\/div><div>${s==='Provided'?'Appears to be provided from intake or documents.':s==='Needs Confirmation'?'A related reference was found or entered, but details should be verified.':'Not clearly found in the current intake or uploaded text.'}<\/div><\/div>`;});}); qs('checklistContent').innerHTML=html;}\nfunction generateRedFlags(){const flags=[]; const c=docCorpus(); if(!c.includes('tax return')) flags.push(['Missing tax returns','Tax returns help verify reported revenue and profit.','High','Can you provide the last three years of complete business tax returns?','Request tax returns before relying on seller-provided financials.']); if(!val('grossRevenue')||!val('sde')) flags.push(['Incomplete financial snapshot','Revenue and cash flow are essential for preliminary analysis.','High','What are the trailing twelve-month revenue and SDE figures?','Collect P&L, tax returns, and add-back support.']); if(!c.includes('lease')) flags.push(['Lease not clearly provided','Lease terms can materially affect transferability and buyer financing.','High','Can you provide the full lease, renewal options, and assignment clause?','Review lease with landlord and attorney.']); if(!c.includes('equipment')) flags.push(['Missing equipment list','Buyers need to know what assets are included and their condition.','Medium','Can you provide a detailed equipment list with included\/excluded items?','Request equipment list and confirm ownership\/liens.']); if(!val('reason')) flags.push(['Unclear reason for sale','Reason for sale affects buyer confidence and negotiation.','Medium','Why is the owner selling now?','Document seller explanation and verify consistency.']); if(!c.includes('payroll')) flags.push(['Payroll records not clearly provided','Payroll verifies labor cost, staffing, and operational dependencies.','Medium','Can you provide payroll reports and employee roster?','Review payroll and key employee dependency.']); if(!c.includes('customer')) flags.push(['Customer concentration unclear','A few major customers can create revenue risk.','Medium','What percentage of revenue comes from the top 5 customers?','Request customer concentration summary.']);\nlet score=Math.min(100,flags.reduce((s,f)=>s+(f[2]==='High'?18:f[2]==='Medium'?10:5),0)); let level=score<25?'Low Risk':score<50?'Moderate Risk':score<75?'Elevated Risk':'High Risk'; qs('riskScore').textContent=`Preliminary Risk Score: ${score}\/100 (${level})\\nThis score is directional only and depends on document completeness and verification.`; qs('redFlagList').innerHTML=flags.map(f=>`<div class=\"risk\"><div class=\"risk-title\"><span>${f[0]}<\/span><span class=\"badge ${f[2].toLowerCase()}\">${f[2]}<\/span><\/div><p><strong>Why it matters:<\/strong> ${f[1]}<\/p><p><strong>Suggested question:<\/strong> ${f[3]}<\/p><p><strong>Suggested next step:<\/strong> ${f[4]}<\/p><\/div>`).join('')||'<div class=\"output\">No major automatic red flags detected. Professional verification is still required.<\/div>'}\nfunction generateQuestions(){const text=`SELLER QUESTIONS\\n- Why are you selling the business now?\\n- What transition support are you willing to provide?\\n- What is your weekly role and time commitment?\\n\\nFINANCIAL QUESTIONS\\n- Please provide three years of tax returns, P&Ls, and current year-to-date P&L.\\n- What add-backs are included in SDE and what support exists for each?\\n- Are there any debts, liens, or unusual one-time expenses?\\n\\nLEASE QUESTIONS\\n- What is the lease expiration date and are there renewal options?\\n- Does the lease allow assignment to a buyer?\\n- Is landlord approval required?\\n\\nOPERATIONS QUESTIONS\\n- Who runs the business when the owner is absent?\\n- Are there written SOPs?\\n- Which employees are critical?\\n\\nCUSTOMER \/ VENDOR QUESTIONS\\n- What percentage of revenue comes from the top customers?\\n- Are any vendor relationships exclusive or hard to replace?\\n\\nLEGAL \/ COMPLIANCE QUESTIONS\\n- Are all licenses and permits current and transferable?\\n- Are there any lawsuits, claims, environmental issues, or compliance concerns?\\n\\nVALUATION \/ FINANCING QUESTIONS\\n- How was the asking price determined?\\n- Is seller financing available?\\n- What assets and inventory are included?\\n\\nCLOSING PREPARATION QUESTIONS\\n- What documents are still needed before LOI or closing?\\n- Who must approve transfer: landlord, franchisor, lender, licensing agency, or others?`; qs('questionsOutput').textContent=text;}\nasync function sendChat(){const input=qs('chatInput'); const q=input.value.trim(); if(!q)return; addMsg(q,'user'); input.value=''; const prompt=`Answer this Mini Due Diligence AI Assist question based on the provided business intake, uploaded document text, generated review, checklist, and red flags. If using general broker guidance, clearly say so. Question: ${q}`; let ans=await callAI(prompt); if(!ans) ans=aiSetupNotice()+'Based on the current local review, verify the financials, lease terms, owner role, add-backs, employee information, inventory treatment, customer concentration, and missing documents before making any decision.\\n\\n'+disclaimer; addMsg(ans,'ai');}\nfunction addMsg(text,cls){const d=document.createElement('div');d.className='msg '+cls;d.textContent=text;qs('chatbox').appendChild(d);qs('chatbox').scrollTop=qs('chatbox').scrollHeight;}\nfunction renderReport(){const i=intake();const docs=uploadedDocs.map(d=>`<li>${escapeHtml(d.name)} \u2014 ${escapeHtml(d.category)} \u2014 ${escapeHtml(d.status)}<\/li>`).join('')||'<li>No documents uploaded.<\/li>';qs('reportPreview').innerHTML=`<div class=\"report-cover\"><h2>Mini Due Diligence Review Report<\/h2><div>${escapeHtml(i.businessName||'Business Name Not Provided')}<\/div><div>Date: ${today()}<\/div><div>Prepared By: ${escapeHtml(i.preparedBy||i.brokerName||'Not provided')}<\/div><\/div>${brokerImageData||i.brokerName||i.brokerCompany?`<div class=\"broker-box\">${brokerImageData?`<img decoding=\"async\" src=\"${brokerImageData}\">`:'<div><\/div>'}<div><strong>${escapeHtml(i.brokerName||'Broker Name')}<\/strong><br>${escapeHtml(i.brokerCompany||'Broker Company')}<br>${escapeHtml(i.brokerEmail||'')} ${escapeHtml(i.brokerPhone||'')}<br>${escapeHtml(i.brokerWebsite||'')}<\/div><\/div>`:''}<h3>Business Overview<\/h3><p><strong>Industry:<\/strong> ${escapeHtml(i.industry||'Not provided')}<br><strong>Location:<\/strong> ${escapeHtml(i.location||'Not provided')}<br><strong>Role:<\/strong> ${escapeHtml(i.userRole)}<br><strong>Review Purpose:<\/strong> ${escapeHtml(i.purpose)}<\/p><h3>Financial Summary<\/h3><p><strong>Asking Price:<\/strong> ${escapeHtml(moneyText(i.askingPrice))}<br><strong>Gross Revenue:<\/strong> ${escapeHtml(moneyText(i.grossRevenue))}<br><strong>SDE:<\/strong> ${escapeHtml(moneyText(i.sde))}<br><strong>EBITDA:<\/strong> 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