How the roll-up gate works
This tool grades each AI-drafted quote against a weighted soft score plus a two-trigger gate, then rolls the batch up to its weakest quote. It reads 4 quotes and rolls them into one verdict — the worst, never the average — then a gate that can only make it worse.
The 4 quotes
A weighted soft score (30/25/25/20) sets each quote's band — QUOTE-READY at 75+, SHORE UP at 50+, DON'T QUOTE below. But a fabricated benchmark, or a price whose margin sits under your own floor, forces that quote to DON'T QUOTE no matter how high the score. A single DON'T QUOTE quote pulls the whole batch to PULL A QUOTE — a good average never releases a quote resting on an invented benchmark or one that loses money.
Why: Two of four quotes read QUOTE-READY, and one of the pulled quotes — SMB onboarding — scores a perfect 100 on all four soft signals. But the gate fires twice: SMB's benchmark is fabricated, and the Starter plan's margin of 70 sits under its 100 floor. Either trigger forces DON'T QUOTE regardless of the score, and one pulled quote drops the batch to PULL A QUOTE. The soft score alone would have sent both.
No single quote is the crisis — the clustering is. The roll-up takes the worst, the gate escalates when trouble compounds, and it names the one thing to fix first. A defensibility working aid that grades a drafted quote — an artifact — from your own numbers and marks. It sets no price, applies no industry multiplier, sends nothing, and scores no person. Not financial advice. Competitive and savings claims can carry FTC substantiation obligations — keep every comparator real and cited.