SSM-Audit – Deeper Finance Modules (3.6–3.7)

# Manifest snippet (illustrative)
mappings = {
  AR:       coverage(window=30d, tail_weight=0.5),
  Revenue:  { adj_ratio(b=0.02), agree(b2=0.005), realization(b3=0.05),
              zeozo(c=?, Z_ref=pilot_median) },
  Cash:     { schedule(due=on_or_before), resid(s=?, k=?),
              zeozo(c=?, Z_ref=?), syasys(rho=0.90, kappa=0.50, R=8.0) },
  Cohort:   { retention(window=90d), hazard(b=?), refunds(b=?), zeozo(c=?) }
}

# Note: each symbol in mappings must be pinned once and feeds the hash:
#   {b, b2, b3, s, k, c, Z_ref, rho, kappa, R, ...}
# knobs_hash := sha256( ascii(canonical_json({declared knobs & mappings})) )

A++: a>=0.75
A+ : 0.50<=a<0.75
A0 : 0.25<=a<0.50
A- : 0.10<=a<0.25
A--: a<0.10
promote if delta_a >= +0.05
demote  if delta_a <= -0.05

Yellow: any lane drops by 1 band for 2 consecutive days     -> owner RCA + note
Orange: 2+ lanes drop within the same module                 -> director review
Red:    cross-module drop (e.g., a_agree & a_cash/a_gap)     -> CFO stand-up

After ~2 weeks with benefits:
- add 2–3 more KPIs or a new slice (region/segment)
- keep the same knobs until the quarterly review

- Stamped pilot CSVs + manifest (ASCII) + knobs_hash
- CI report (PASS/WARN/FAIL per check)
- 1–2 page executive brief (band movements, early warnings, actions)