let name = inputData.namedInsured;

if (name && name.includes(',')) {
  const [last, first] = name.split(',');
  return {
    normalizedName: `${first.trim()} ${last.trim()}`,
    firstName: first.trim(),
    lastName: last.trim()
  };
}

if (name && name.includes(' ')) {
  const [first, ...rest] = name.trim().split(' ');
  const last = rest.join(' ');
  return {
    normalizedName: name.trim(),
    firstName: first,
    lastName: last
  };
}

// fallback if name is missing or only one word
return {
  normalizedName: name || '',
  firstName: name || '',
  lastName: ''
};