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Anna · returning DIY Premier · new homeowner · Atlanta, GA

Four onboarding worlds, one filer.

Same Anna. Same intelligence engine. Two surface treatments × two filing-window pressures = four experiences. Pick a card to walk through it. Each variant is a fully clickable prototype.

Refined classic — 4-screen Detect → Decide → Disclose → De-risk

Anna · early season

Early · ~70 days to Apr 15

Relaxed value-led pitch. Pre-warmed life-event chip + Bank-of-America confirmation. Live Assisted Premier as the default match — the augmented-DIY landing for the awareness motion.

  • Red TT brand mark + expert headshot in match card
  • Chip-triggered confidence-building copy
  • Engine reflection: 5-task signal read on Screen 2

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Anna · late season

Late · 8 days to Apr 15

Same flow under time pressure. Countdown banner, social proof ("67% of Georgia filers like you have already filed"), default shifted to Full Service, same-day store appointment.

  • April-15 countdown + cohort comparison
  • SKU default flips: Live Assisted → Full Service
  • 3-day timeline → 48-hour express turnaround

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Chat-style variant — agent-presence, streaming reasoning

Anna · early season

Conversational · early

Aisha is already reading the file when Anna arrives. First message isn't a question — it's a card showing what we already know. Streaming reasoning panel reveals the engine's logic before the recommendation lands.

  • Mirror-opening pattern (Stripe × Apple Quick Start)
  • Streaming thought log (Replit Agent × Cursor 2.0)
  • Two-question wow placement test (Duolingo)
  • Reverse-trial frame: "free until you file"

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Anna · late season

Conversational · late

Same conversational engine, urgency-tinted. Aisha leads with "April 15 is 8 days away — let's move fast." Quick replies shift from emotional ("how does this feel?") to operational ("I'll drive / hand it off / same-day in-person").

  • Concierge bar tinted amber for time pressure
  • Operational quick replies (handoff vs. drive vs. store)
  • 48-hour FS turnaround surfaced in reasoning
  • Same-day Lenox Square option appears in CTAs

Walk through →

Design rationale → Research synthesis on the patterns lifted from leading consumer products, with screenshots and references: read the rationale.