fix(copy): replace legally risky terms with safer alternatives

index.html

@@ -7,21 +7,21 @@
     <meta name="viewport" content="width=device-width, initial-scale=1.0" />
 
     <!-- Primary SEO -->
-    <title>GreenLight — Financial Planning Tool</title>
-    <meta name="description" content="GreenLight — Free, privacy-first financial planning tool. See your complete financial picture, plan purchases, compare mortgages, and understand your tax situation. No account needed, runs entirely in your browser." />
-    <meta name="keywords" content="financial planning, mortgage calculator, purchase planning, tax calculator, asset management, net worth, capital gains, liquidation planner" />
+    <title>GreenLight — Personal Finance Calculator</title>
+    <meta name="description" content="GreenLight — Free, privacy-first personal finance calculator. See your complete financial picture, plan purchases, compare mortgages, and understand your tax situation. No account needed, runs entirely in your browser." />
+    <meta name="keywords" content="personal finance, mortgage calculator, purchase planning, tax calculator, asset tracking, net worth, capital gains, purchase readiness" />
     <link rel="canonical" href="https://gotthegreenlight.com/" />
 
     <!-- Open Graph -->
     <meta property="og:type" content="website" />
     <meta property="og:url" content="https://gotthegreenlight.com/" />
-    <meta property="og:title" content="GreenLight — Financial Planning Tool" />
-    <meta property="og:description" content="Know exactly when all the math turns green. Free, private, browser-only financial planning." />
+    <meta property="og:title" content="GreenLight — Personal Finance Calculator" />
+    <meta property="og:description" content="Know exactly when all the math turns green. Free, private, browser-only financial calculator." />
     <meta property="og:image" content="https://gotthegreenlight.com/og-image.png" />
 
     <!-- Twitter Card -->
     <meta name="twitter:card" content="summary_large_image" />
-    <meta name="twitter:title" content="GreenLight — Financial Planning Tool" />
+    <meta name="twitter:title" content="GreenLight — Personal Finance Calculator" />
     <meta name="twitter:description" content="Know exactly when all the math turns green." />
     <meta name="twitter:image" content="https://gotthegreenlight.com/og-image.png" />
 
@@ -31,7 +31,7 @@
       "@context": "https://schema.org",
       "@type": "SoftwareApplication",
       "name": "GreenLight",
-      "description": "Privacy-first financial planning tool that runs entirely in your browser. No account required.",
+      "description": "Privacy-first personal finance calculator that runs entirely in your browser. No account required.",
       "applicationCategory": "FinanceApplication",
       "operatingSystem": "Web",
       "url": "https://gotthegreenlight.com/",

src/components/ConformingStatus.jsx

@@ -1,28 +1,28 @@
 import { useMemo } from "react";
 import { colors, styles } from "../theme.js";
 import { fmt } from "../lib/calculations.js";
-import { detectJumbo, suggestConformingDown, calcJumboImpact, calcEffectiveRate } from "../lib/loanLimits.js";
+import { detectJumbo, calcConformingDown, calcJumboImpact, calcEffectiveRate } from "../lib/loanLimits.js";
 import { YEAR } from "../data/conformingLimits.js";
 
 
 /**
  * Conforming Loan Status card — shows whether the loan is conforming or jumbo,
- * with rate impact analysis and a suggestion to increase down payment.
+ * with rate impact analysis and a conforming down-payment option.
  */
 export default function ConformingStatus({
   zipCode, loanAmount, homePrice, currentDownPercent,
   baseRate, termYears, jumboSpread, zipInfo,
-  onZipChange, onSpreadChange, onApplySuggestion,
+  onZipChange, onSpreadChange, onApplyConformingDown,
 }) {
-  const hasZip = zipCode && zipCode.length === 5;
+  const hasZip = zipCode?.length === 5;
 
   const jumbo = useMemo(
     () => hasZip ? detectJumbo(loanAmount, zipCode, !!zipInfo) : null,
     [hasZip, loanAmount, zipCode, zipInfo],
   );
 
-  const suggestion = useMemo(
-    () => jumbo?.isJumbo ? suggestConformingDown(homePrice, jumbo.conformingLimit, currentDownPercent) : null,
+  const conformingOption = useMemo(
+    () => jumbo?.isJumbo ? calcConformingDown(homePrice, jumbo.conformingLimit, currentDownPercent) : null,
     [jumbo, homePrice, currentDownPercent],
   );
 
@@ -35,9 +35,9 @@ export default function ConformingStatus({
     ? calcEffectiveRate(baseRate, true, jumboSpread)
     : baseRate;
 
-  const locationLabel = zipInfo
-    ? `${zipInfo.city}, ${zipInfo.county} Co., ${zipInfo.state}`
-    : hasZip ? "Looking up..." : null;
+  let locationLabel = null;
+  if (zipInfo) locationLabel = `${zipInfo.city}, ${zipInfo.county} Co., ${zipInfo.state}`;
+  else if (hasZip) locationLabel = "Looking up...";
 
   return (
     <div style={{ ...styles.card, marginBottom: 14 }}>
@@ -124,7 +124,7 @@ export default function ConformingStatus({
                   <input
                     type="number" step="0.125" min="0" max="2"
                     value={jumboSpread}
-                    onChange={e => onSpreadChange(parseFloat(e.target.value) || 0)}
+                    onChange={e => onSpreadChange(Number.parseFloat(e.target.value) || 0)}
                     style={{ ...styles.input, width: 80, padding: "4px 8px", fontSize: 13 }}
                   />
                   <div style={{ fontSize: 10, color: colors.dim, marginTop: 1 }}>% above conforming</div>
@@ -151,25 +151,25 @@ export default function ConformingStatus({
                 )}
               </div>
 
-              {/* Suggestion to increase down payment */}
-              {suggestion && (
+              {/* Conforming option — down payment to avoid jumbo */}
+              {conformingOption && (
                 <div style={{
                   background: colors.card, border: `1px solid ${colors.border}`,
                   borderRadius: 6, padding: 12, marginTop: 8,
                   display: "flex", justifyContent: "space-between", alignItems: "center",
                 }}>
                   <div style={{ fontSize: 13, color: colors.text }}>
-                    Increase down payment to{" "}
+                    A down payment of{" "}
                     <span style={{ color: colors.green, fontWeight: 600 }}>
-                      {suggestion.requiredDownPercent.toFixed(1)}%
+                      {conformingOption.requiredDownPercent.toFixed(1)}%
                     </span>
-                    {" "}({fmt(suggestion.requiredDownAmount)}) to stay conforming.
+                    {" "}({fmt(conformingOption.requiredDownAmount)}) would keep the loan conforming.
                     <span style={{ color: colors.dim, marginLeft: 8 }}>
-                      +{fmt(suggestion.additionalDown)} more needed
+                      +{fmt(conformingOption.additionalDown)} more needed
                     </span>
                   </div>
                   <button
-                    onClick={() => onApplySuggestion(suggestion.requiredDownPercent)}
+                    onClick={() => onApplyConformingDown(conformingOption.requiredDownPercent)}
                     style={{
                       ...styles.btn, fontSize: 11, padding: "5px 12px",
                       color: colors.green, borderColor: colors.greenDim,

src/components/Layout.jsx

@@ -74,7 +74,7 @@ export default function Layout({ sellDate, onSellDateChange, purchaseDate, onPur
             letterSpacing: 1,
             textTransform: "uppercase",
           }}>
-            Financial Planning
+            Personal Finance
           </div>
         </div>
 

src/lib/__tests__/loanLimits.test.js

@@ -1,7 +1,7 @@
 import { describe, it, expect } from "vitest";
 import { getConformingLimit, BASELINE_LIMIT } from "../../data/conformingLimits.js";
 import {
-  detectJumbo, calcEffectiveRate, suggestConformingDown, calcJumboImpact,
+  detectJumbo, calcEffectiveRate, calcConformingDown, calcJumboImpact,
   DEFAULT_JUMBO_PREMIUM,
 } from "../loanLimits.js";
 
@@ -104,21 +104,21 @@ describe("calcEffectiveRate", () => {
   });
 });
 
-// ── suggestConformingDown ────────────────────────────────────────────────────
+// ── calcConformingDown ────────────────────────────────────────────────────
 
-describe("suggestConformingDown", () => {
+describe("calcConformingDown", () => {
   it("returns null when loan is already conforming", () => {
     // 500K home, 20% down = 400K loan, well under 832,750
-    expect(suggestConformingDown(500000, BASELINE_LIMIT, 20)).toBeNull();
+    expect(calcConformingDown(500000, BASELINE_LIMIT, 20)).toBeNull();
   });
 
   it("returns null when home price is below limit", () => {
-    expect(suggestConformingDown(700000, BASELINE_LIMIT, 0)).toBeNull();
+    expect(calcConformingDown(700000, BASELINE_LIMIT, 0)).toBeNull();
   });
 
-  it("suggests increased down payment for jumbo loan", () => {
+  it("calculates required down payment for jumbo loan", () => {
     // 1M home, 832,750 limit, 10% down = 900K loan (67,250 over limit)
-    const result = suggestConformingDown(1000000, BASELINE_LIMIT, 10);
+    const result = calcConformingDown(1000000, BASELINE_LIMIT, 10);
     expect(result).not.toBeNull();
     // Required down = 1M - 832,750 = 167,250 = 16.725% → rounds up to 16.8%
     expect(result.requiredDownPercent).toBeCloseTo(16.8, 0);
@@ -127,8 +127,8 @@ describe("suggestConformingDown", () => {
   });
 
   it("returns null for zero/invalid inputs", () => {
-    expect(suggestConformingDown(0, BASELINE_LIMIT, 20)).toBeNull();
-    expect(suggestConformingDown(-100, BASELINE_LIMIT, 20)).toBeNull();
+    expect(calcConformingDown(0, BASELINE_LIMIT, 20)).toBeNull();
+    expect(calcConformingDown(-100, BASELINE_LIMIT, 20)).toBeNull();
   });
 });
 

src/lib/__tests__/purchasePlanner.test.js

@@ -148,20 +148,20 @@ describe("calcLiquidationAnalysis", () => {
     cashFlow: { net: cfNet },
   });
 
-  it("returns canAfford=true when surplus", () => {
+  it("returns isCovered=true when surplus", () => {
     const summary = makeSummary(20000, 80000, 5000, 10000, 5000);
     // Available: 20k + (80k - 5k) + 10k + 5k = 110k
     const result = calcLiquidationAnalysis(90000, summary);
-    expect(result.canAfford).toBe(true);
+    expect(result.isCovered).toBe(true);
     expect(result.surplus).toBe(20000);
     expect(result.shortfall).toBe(0);
   });
 
-  it("returns canAfford=false when shortfall", () => {
+  it("returns isCovered=false when shortfall", () => {
     const summary = makeSummary(5000, 20000, 3000, 0, 2000);
     // Available: 5k + (20k - 3k) + 0 + 2k = 24k
     const result = calcLiquidationAnalysis(50000, summary);
-    expect(result.canAfford).toBe(false);
+    expect(result.isCovered).toBe(false);
     expect(result.shortfall).toBe(26000);
     expect(result.surplus).toBe(0);
   });
@@ -177,7 +177,7 @@ describe("calcLiquidationAnalysis", () => {
   it("handles zero values gracefully", () => {
     const summary = makeSummary(0, 0, 0, 0, 0);
     const result = calcLiquidationAnalysis(10000, summary);
-    expect(result.canAfford).toBe(false);
+    expect(result.isCovered).toBe(false);
     expect(result.totalAvailable).toBe(0);
     expect(result.shortfall).toBe(10000);
   });
@@ -186,7 +186,7 @@ describe("calcLiquidationAnalysis", () => {
     // Simulate summary with missing nested properties
     const sparse = { cashTotal: 5000 };
     const result = calcLiquidationAnalysis(10000, sparse);
-    expect(result.canAfford).toBe(false);
+    expect(result.isCovered).toBe(false);
     expect(result.totalAvailable).toBe(5000);
     expect(Number.isNaN(result.totalAvailable)).toBe(false);
     expect(Number.isNaN(result.shortfall)).toBe(false);

src/lib/loanLimits.js

@@ -5,10 +5,9 @@
  * conforming loan limit) and calculates the rate/payment impact.
  */
 
-import { getConformingLimit, BASELINE_LIMIT } from "../data/conformingLimits.js";
+import { getConformingLimit } from "../data/conformingLimits.js";
+export { BASELINE_LIMIT } from "../data/conformingLimits.js";
 import { calcMonthlyPI } from "./mortgageCalc.js";
-
-export { BASELINE_LIMIT };
 export const DEFAULT_JUMBO_PREMIUM = 0.25; // percentage points above conforming rate
 
 /**
@@ -43,14 +42,14 @@ export function calcEffectiveRate(baseRatePercent, isJumbo, jumboSpreadPercent =
 }
 
 /**
- * Suggest a down payment increase to stay under the conforming limit.
+ * Calculate the down payment needed to stay under the conforming limit.
  * Returns null if the loan is already conforming.
  * @param {number} homePrice
  * @param {number} conformingLimit
  * @param {number} currentDownPercent
  * @returns {{ requiredDownPercent: number, requiredDownAmount: number, additionalDown: number } | null}
  */
-export function suggestConformingDown(homePrice, conformingLimit, currentDownPercent) {
+export function calcConformingDown(homePrice, conformingLimit, currentDownPercent) {
   if (!homePrice || homePrice <= 0 || !conformingLimit) return null;
 
   const currentDown = homePrice * (currentDownPercent / 100);

src/lib/mortgageCalc.js

@@ -144,18 +144,18 @@ export function calcPointsBreakEven(pointsCost, monthlySavings, opportunityRateP
 }
 
 /**
- * Buy-down recommendation signal based on break-even vs expected stay.
+ * Buy-down break-even signal based on break-even vs expected stay.
  * green: adjusted break-even <= 60% of stay (clear win)
  * yellow: 60-100% of stay (marginal)
- * red: > stay or Infinity (don't buy down)
+ * red: > stay or Infinity (unlikely to break even)
  */
 export function calcBuyDownSignal(adjustedBreakEvenMonths, expectedStayYears) {
   const stayMonths = expectedStayYears * 12;
   if (adjustedBreakEvenMonths === Infinity || adjustedBreakEvenMonths > stayMonths) {
-    return { signal: "red", label: "Skip the buy-down, invest instead" };
+    return { signal: "red", label: "Buy-down unlikely to break even" };
   }
   if (adjustedBreakEvenMonths <= stayMonths * 0.6) {
-    return { signal: "green", label: "Buy down the rate" };
+    return { signal: "green", label: "Buy-down likely to break even" };
   }
   return { signal: "yellow", label: "Marginal \u2014 depends on priorities" };
 }

src/lib/purchasePlanner.js

@@ -101,12 +101,12 @@ function fmtShortfall(n) {
 // ─── Public API ───────────────────────────────────────────────────────────────
 
 /**
- * Liquidation analysis — can the user afford the purchase with current assets?
+ * Liquidation analysis — do available funds cover the purchase at current asset values?
  * Uses calcSummary output to determine available cash from all sources.
  *
  * @param {number} cashNeeded - total cash needed from calcTotalCashNeeded
  * @param {Object} summary - result of calcSummary(state, prices)
- * @returns {{ canAfford, surplus, shortfall, cashContribution, assetContribution, retirementContribution, cashFlowContribution, totalAvailable }}
+ * @returns {{ isCovered, surplus, shortfall, cashContribution, assetContribution, retirementContribution, cashFlowContribution, totalAvailable }}
  */
 export function calcLiquidationAnalysis(cashNeeded, summary) {
   const cashAvailable = summary.cashTotal || 0;
@@ -120,7 +120,7 @@ export function calcLiquidationAnalysis(cashNeeded, summary) {
   const surplus = totalAvailable - cashNeeded;
 
   return {
-    canAfford: surplus >= 0,
+    isCovered: surplus >= 0,
     surplus: Math.max(0, surplus),
     shortfall: Math.max(0, -surplus),
     cashContribution: cashAvailable,

src/lib/readiness.js

@@ -1,6 +1,6 @@
-// Financial readiness projection engine
-// Projects cash position forward month-by-month to determine when the user
-// can afford a target purchase amount. Default: 0% growth (pure linear).
+// Purchase readiness projection engine
+// Projects cash position forward month-by-month to determine when available
+// funds meet a target purchase amount. Default: 0% growth (pure linear).
 
 import { calcSummary, calcMonthlySavings, isLongTerm } from "./calculations.js";
 

src/pages/Dashboard.jsx

@@ -332,10 +332,10 @@ function ReadinessWidget({ state, projections, statusResult, cashNeeded, monthly
             <div style={{ fontSize: 13, color: colors.dim, textTransform: "uppercase", letterSpacing: 1 }}>{label}</div>
             <div style={{ fontSize: 18, fontWeight: 700, color: signalColor, marginTop: 2 }}>
               {isReady
-                ? "Ready now"
+                ? "Funds available"
                 : readinessDate
-                  ? `Ready in ~${readinessDate.month} months`
-                  : "Not reachable in 5 years"}
+                  ? `Estimated in ~${readinessDate.month} months`
+                  : "Not estimated within 5 years"}
             </div>
           </div>
         </div>