Compare home and auto insurance renewal quotes and pick the cheapest one that isn't a downgrade

# Compare home and auto insurance renewal quotes against your current coverage and pick the cheapest one that isn't a downgrade All policies, quotes and carriers here are synthetic. Inputs: `current.json` (for `home` and `auto`: `annual_premium`, `limits` {item: dollars} and `deductibles` {item: dollars}), `quotes.csv` (quote_id, line, carrier, annual_premium) and `quote_terms.csv` (quote_id, item, kind, amount), where kind is `limit` or `deductible`. Amounts and premiums are in dollars. `broker-notes.txt` is a broker's summary; where it disagrees with the rules below, the rules win. Rules: - Downgrades: compare each quote with the current policy for its line. A quote has the reason `missing_line` when an item in the current `limits` has no `limit` row in the quote, `lower_limit` when any quoted limit is below the current limit for that item, and `higher_deductible` when any quoted deductible is above the current deductible for that item. Equal amounts are not a downgrade, and an extra item the current policy doesn't have is fine. A quote with at least one reason is a downgrade. - Picks: for each line, pick the quote with the lowest `annual_premium` among that line's quotes that are not downgrades. - Savings: a line's saving is the current `annual_premium` minus the picked quote's `annual_premium` (it can be negative); `total_annual_savings` is the sum over both lines. - Write `out/decision.json`: `{"picks": {"home": <quote_id>, "auto": <quote_id>}, "downgrade_quotes": [<sorted quote_ids>], "annual_savings": {"home": <dollars>, "auto": <dollars>}, "total_annual_savings": <dollars>, "downgrades_by_reason": {"<reason>": <number of quotes with that reason>, ...}}`. - Roll-ups: Reasons among missing_line, lower_limit and higher_deductible with no downgraded quote are included at 0. ## How this run works - Work on your own: nobody will answer questions in this task, and writing to `ask/` counts against the run. - Write only under `out/`. Create `out/` if it is missing. Inputs are synthetic; don't fetch anything from the network. - Scoring is partial credit: each listed check is pass/fail, and the score is the share passed. Numbers are compared to within 0.005 unless the task says otherwise.