0E.1 — Defaults (knobs and bands)
Bounded, executive-friendly, and reproducible from day one.
# Lane bounds (always)
a in (-1,+1)
a := clamp(a, -1+eps_a, +1-eps_a) # eps_a = 1e-6
# Bands (executive-friendly)
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
# Hysteresis (stop flicker)
promote only if delta_a >= 0.05
demote only if delta_a <= -0.05
# Order-invariance (declared later)
# use the same fusion so batch == stream == shuffled
# Manifest essentials (pin once)
schema_version, build_id, date_utc,
eps_a, eps_w=1e-12, gamma=1.0, division_policy=strict,
bands{...}, hysteresis{...}, mappings{...}, conformance_checksum
0E.2 — AR / Collections health
Classical KPI (unchanged).
m := collected_total / issued_total # for the period
Lane (Level-1: coverage within policy window).
q := collected_within_window / issued_total # window e.g., <= 30 days
a_cov := 2*q - 1
Interpretation. Identical m across months can carry very different a_cov if within-window coverage weakens (growing long tail).
Optional Level-2 (blend coverage + tails).
p_tail := past_due_>window / issued_total
a_tail := 1 - 2*p_tail
# rapidity blend with weight beta in [0,1]
a := tanh( (atanh(a_cov) + beta*atanh(a_tail)) / max(1, beta) )
# default: beta = 0.5
Clamp + parity (always).
a := clamp(a, -1+eps_a, +1-eps_a)
phi((m,a)) = m
Worked examples.
# Healthy but honest
issued_total = 100
collected_total = 96 -> m = 0.96
collected_within_window = 92 -> q = 0.92
a_cov = 2*0.92 - 1 = 0.84 -> band A++
# Same m, risk rising
m = 0.96 again, but q = 0.83
a_cov = 2*0.83 - 1 = 0.66 -> band A+
CSV row sketch (read-only pilot).
2025-10-01, AR_collected_issued, 0.9600, 0.8400, A++, abcd1234, pilotW1, SSMCLOCK1|...
0E.3 — Refunds / Chargebacks reconciliation
Classical KPI choices (unchanged).
Use the rate you already report or a normalized value.
# Example (rate)
m := refunds_total / shipments_total
# Example (value)
m := refunds_total_currency
Lane (agreement quality across systems).
d := |m_platform - m_bank|
a_agree := tanh( 1 - d / b ) # b > 0 is your declared bound
Tuning tip. Set b near acceptable daily reconciliation noise (e.g., b = 0.005 for 0.5% rate difference).
Worked example (rate).
m_platform = 0.021, m_bank = 0.020, b = 0.005
d = 0.001
1 - d/b = 0.8
a_agree = tanh(0.8) ≈ 0.664 -> band A+
# A week later
d = 0.003
1 - d/b = 0.4
a_agree = tanh(0.4) ≈ 0.380 -> band A0
Clamp + parity (always).
a := clamp(a, -1+eps_a, +1-eps_a)
phi((m,a)) = m
CSV row sketch.
2025-10-01, Refunds_agreement, 0.0200, 0.6640, A+, abcd1234, pilotW1, SSMCLOCK1|...
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