Finacial disclaimer and SOC fix between Explorer and Education pages

.env

@@ -2,7 +2,7 @@ CORS_ALLOWED_ORIGINS=https://dev1.aptivaai.com,http://34.16.120.118:3000,http://
 SERVER1_PORT=5000
 SERVER2_PORT=5001
 SERVER3_PORT=5002
-IMG_TAG=4cfdf84-202508101351
+IMG_TAG=b0cbb65-202508101532
 
 ENV_NAME=dev
 PROJECT=aptivaai-dev

src/components/CareerExplorer.js

@@ -384,11 +384,11 @@ const handleCareerClick = useCallback(
       const s = salaryRes.data;
       const salaryData = s && Object.keys(s).length
         ? [
-            { percentile: '10th Percentile', regionalSalary: +s.regional?.regional_PCT10 || 0, nationalSalary: +s.national?.national_PCT10 || 0 },
+            { percentile: '10th Percentile', regionalSalary: +s.regional?.regional_PCT10 || 0, nationalSalary: +s.national?.national_PCT10 || 0 },
-            { percentile: '25th Percentile', regionalSalary: +s.regional?.regional_PCT25 || 0, nationalSalary: +s.national?.national_PCT25 || 0 },
+            { percentile: '25th Percentile', regionalSalary: +s.regional?.regional_PCT25 || 0, nationalSalary: +s.national?.national_PCT25 || 0 },
             { percentile: 'Median',          regionalSalary: +s.regional?.regional_MEDIAN || 0, nationalSalary: +s.national?.national_MEDIAN || 0 },
-            { percentile: '75th Percentile', regionalSalary: +s.regional?.regional_PCT75 || 0, nationalSalary: +s.national?.national_PCT75 || 0 },
+            { percentile: '75th Percentile', regionalSalary: +s.regional?.regional_PCT75 || 0, nationalSalary: +s.national?.national_PCT75 || 0 },
-            { percentile: '90th Percentile', regionalSalary: +s.regional?.regional_PCT90 || 0, nationalSalary: +s.national?.national_PCT90 || 0 },
+            { percentile: '90th Percentile', regionalSalary: +s.regional?.regional_PCT90 || 0, nationalSalary: +s.national?.national_PCT90 || 0 },
           ]
         : [];
 
@@ -618,7 +618,6 @@ useEffect(() => {
         : 
           3;
 
-    
     const defaultMeaningValue = 3;
 
     // 4) open the InterestMeaningModal instead of using prompt()
@@ -684,44 +683,72 @@ useEffect(() => {
     });
   };
 
+  const stripSoc = (s = '') => s.split('.')[0];
   // ------------------------------------------------------
   //  "Select for Education" => navigate with CIP codes
   // ------------------------------------------------------
 // CareerExplorer.js
-const handleSelectForEducation = (career) => {
+// CareerExplorer.js
+const handleSelectForEducation = async (career) => {
   if (!career) return;
 
-  // ─── 1. Ask first ─────────────────────────────────────────────
   const ok = window.confirm(
     `Are you sure you want to move on to Educational Programs for “${career.title}”?`
   );
   if (!ok) return;
 
-  // ─── 2. Make sure we have a full SOC code ─────────────────────
   const fullSoc = career.soc_code || career.code || '';
-  if (!fullSoc) {
+  const baseSoc = stripSoc(fullSoc);
+  if (!baseSoc) {
     alert('Sorry – this career is missing a valid SOC code.');
     return;
   }
 
-  // ─── 3. Find & clean CIP codes (may be empty) ─────────────────
+  // 1) try local JSON by base SOC (tolerates .00 vs none)
-  const match       = masterCareerRatings.find(r => r.soc_code === fullSoc);
+  const match       = masterCareerRatings.find(r => stripSoc(r.soc_code) === baseSoc);
-  const rawCips     = match?.cip_codes ?? [];               // original array
+  let   rawCips     = Array.isArray(match?.cip_codes) ? match.cip_codes : [];
-  const cleanedCips = cleanCipCodes(rawCips);               // “0402”, “1409”, …
+  let   cleanedCips = cleanCipCodes(rawCips);
 
-  // ─── 4. Persist ONE tidy object for later pages ───────────────
+  // 2) fallback: ask server2 to map SOC→CIP if local didn’t have any
+  if (!cleanedCips.length) {
+    try {
+      const candidates = [
+        fullSoc,         // as-is
+        baseSoc,         // stripped
+        fullSoc.includes('.') ? null : `${fullSoc}.00`  // add .00 if missing
+      ].filter(Boolean);
+
+      let fromApi = null;
+      for (const soc of candidates) {
+        const res = await fetch(`/api/cip/${soc}`);
+        if (res.ok) {
+          const { cipCode } = await res.json();
+          if (cipCode) { fromApi = cipCode; break; }
+        }
+      }
+
+      if (fromApi) {
+        rawCips     = [fromApi];
+        cleanedCips = cleanCipCodes(rawCips);
+      }
+    } catch {
+      // best-effort fallback; continue
+    }
+  }
+
+  // Persist for the next page (keep raw list if we have it)
   const careerForStorage = {
     ...career,
     soc_code : fullSoc,
-    cip_code : rawCips        // keep the raw list; page cleans them again if needed
+    cip_code : rawCips
   };
   localStorage.setItem('selectedCareer', JSON.stringify(careerForStorage));
 
-  // ─── 5. Off we go ─────────────────────────────────────────────
+  // Navigate with the robust base SOC + cleaned CIP prefixes
   navigate('/educational-programs', {
     state: {
-      socCode     : fullSoc,
+      socCode     : baseSoc,
-      cipCodes    : cleanedCips,   // can be [], page handles it
+      cipCodes    : cleanedCips,   // can be [] if absolutely nothing found
       careerTitle : career.title,
       userZip     : userZipcode,
       userState   : userState
@@ -729,7 +756,6 @@ const handleSelectForEducation = (career) => {
   });
 };
 
-
   // ------------------------------------------------------
   //  Filter logic for jobZone, Fit
   // ------------------------------------------------------

src/components/CareerRoadmap.js

@@ -29,6 +29,7 @@ import parseFloatOrZero from '../utils/ParseFloatorZero.js';
 import { getFullStateName } from '../utils/stateUtils.js';
 import CareerCoach from "./CareerCoach.js";
 import ChatCtx from '../contexts/ChatCtx.js';
+import FinancialDisclaimer from './FinancialDisclaimer.js';
 
 import { Button } from './ui/button.js';
 import { Pencil } from 'lucide-react';
@@ -78,6 +79,7 @@ async function createCareerProfileFromSearch(selCareer) {
     throw new Error('createCareerProfileFromSearch: selCareer.title is required');
   }
 
+  
   /* -----------------------------------------------------------
    * 1)  Do we already have that title?
    * --------------------------------------------------------- */
@@ -1497,7 +1499,8 @@ const handleMilestonesCreated = useCallback(
             <InfoTooltip message="This projection uses the salary, expense, loan and contribution inputs you’ve set below. Click “Edit Simulation Inputs” to adjust them, or edit your financial information in Profile -> Financial Profile." />
           </h3>
 
-
+{/* Legal/assumptions disclaimer (static, matches simulator) */}
+       <FinancialDisclaimer />
           {projectionData.length ? (
               <div>
                     {/* Chart – now full width */}
@@ -1526,7 +1529,7 @@ const handleMilestonesCreated = useCallback(
                   >
                     Reset Zoom
                   </Button>
-
+                
                 {loanPayoffMonth && hasStudentLoan && (
                   <p className="font-semibold text-sm mt-2">
                     Loan Paid Off:&nbsp;

src/components/FinancialDisclaimer.js

@@ -0,0 +1,29 @@
+export default function FinancialDisclaimer() {
+  return (
+    <div className="mt-3 text-xs text-gray-600 border-t pt-3 leading-snug">
+      <p>
+        <strong>Important:</strong> These projections are educational estimates and <strong>not</strong> financial, tax,
+        legal, or investment advice. Federal tax is approximated using the <strong>single‑filer standard deduction
+        ($13,850)</strong> and <strong>2023 federal brackets</strong>; state tax is a <strong>flat percentage by
+        state</strong> from an internal table. Estimates <strong>exclude</strong> Social Security/Medicare (FICA),
+        local taxes, itemized deductions, credits, AMT, capital‑gains rules, and self‑employment taxes. Actual outcomes
+        vary.
+      </p>
+
+      <details className="mt-2">
+        <summary className="cursor-pointer select-none">Assumptions & limitations</summary>
+        <ul className="list-disc pl-5 mt-2 space-y-1">
+          <li><strong>Filing model:</strong> W‑2 wages, single filer, standard deduction only; no dependents, credits, or adjustments.</li>
+          <li><strong>Federal tax calc:</strong> Monthly estimate = (annualized income − $13,850) through 2023 bands (10/12/22/24/32/35/37%), divided by 12.</li>
+          <li><strong>State tax:</strong> Single flat rate per state from a fixed lookup; local/city taxes not modeled.</li>
+          <li><strong>Payroll taxes:</strong> FICA is <strong>not</strong> included.</li>
+          <li><strong>Education & loans:</strong> Tuition follows the chosen academic calendar; if deferring, tuition is added to loan principal and interest accrues monthly at the specified APR. No IDR/PSLF/forbearance nuances.</li>
+          <li><strong>Income changes:</strong> Expected salary replaces current salary starting at/after the provided graduation date; other changes come from user‑defined milestones.</li>
+          <li><strong>Contributions & withdrawals:</strong> Retirement/emergency contributions treated as post‑tax outflows. Retirement withdrawals treated as taxable ordinary income; no early‑withdrawal penalties/RMD rules modeled.</li>
+          <li><strong>Returns:</strong> Retirement balances use the selected strategy (none / flat annual rate / random monthly range). No general inflation is applied unless you model it via milestones.</li>
+          <li><strong>Data sources:</strong> Public datasets (e.g., BLS/NCES) may change without notice. COL adjustments not applied unless explicitly labeled.</li>
+        </ul>
+      </details>
+    </div>
+  );
+}