@hyperscale0/hsx 5.1.0 → 5.2.0

package/dist/src/examples-bundle.js

@@ -3,7 +3,7 @@ export const examples = [
     { "id": "collections", "title": "Small business collections", "summary": "A business lender refers overdue instalments to an agency with limits on collection contacts.", "headers": ["collections", "financing"], "source": "// A business lender refers overdue instalments to an agency with limits on collection contacts.\nprogram business_collections \"Small business collections\"\nuse collections\nuse financing\nparty agency: business\n\nobject facility \"Business loan\" {\n  fields { businessName: text, purpose: text, price: money }\n  columns: [businessName, purpose, price]\n  attach allowance = financing.limits { borrower: owner, per_borrower: 100000 SAR }\n  attach budget = financing.portfolio_limit { limit: 2000000 SAR }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_loan\n    expose disburse as release_loan\n  }\n  attach recovery = collections.case {\n    on: loan, agency: agency\n    expose assign as assign_case\n    expose recover as recover_payment\n    expose recall as recall_case\n  }\n  attach contact = collections.contact {\n    case: recovery, agency: agency\n  }\n}\n" },
     { "id": "escrow", "title": "Used device sales", "summary": "Buyers fund a used device purchase, then accept delivery or raise a dispute before release.", "headers": ["escrow"], "source": "// Buyers fund a used device purchase, then accept delivery or raise a dispute before release.\nprogram used_device_sales \"Used device sales\"\nuse escrow\n\nobject device \"Device\" {\n  fields {\n    model: text\n    condition: text\n    serialNumber: text\n    price: money\n  }\n  columns: [model, condition, price]\n  attach sale = escrow.hold {\n    payer: actor, payee: owner\n    expose fund as pay_for_device\n    expose deliver as confirm_delivery\n    expose accept as accept_device\n    expose dispute as report_problem\n    expose verify_return as verify_return\n    expose refund as refund_buyer\n  }\n}\n" },
     { "id": "financing", "title": "Tuition instalments", "summary": "A tuition lender funds a student's fees over three interest-free instalments with borrowing limits.", "headers": ["financing"], "source": "// A tuition lender funds a student's fees over three interest-free instalments with borrowing limits.\nprogram tuition_instalments \"Tuition instalments\"\nuse financing\n\nobject enrolment \"Enrolment\" {\n  fields { student: text, course: text, price: money }\n  columns: [student, course, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 12000 SAR\n    expose approve as approve_student\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 500000 SAR\n    expose approve as approve_budget\n  }\n  attach tuition = financing.installments {\n    borrower: owner, capital: operator\n    months: 3, profit: 0%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_tuition_plan\n    expose disburse as fund_tuition\n    expose payoff as repay_early\n  }\n}\n" },
-    { "id": "insurance", "title": "Device insurance", "summary": "A device retailer collects the purchase price and attaches cover with a claim review process.", "headers": ["insurance", "money"], "source": "// A device retailer collects the purchase price and attaches cover with a claim review process.\nprogram device_insurance \"Device insurance\"\nuse insurance\nuse money\nparty inspector: staff role claims\n\nobject device \"Insured device\" {\n  fields { model: text, serialNumber: text, purchaseDate: date }\n  columns: [model, serialNumber, purchaseDate]\n  attach purchase = money.transfer {\n    payer: owner, payee: operator\n    expose pay as pay_for_device\n  }\n  // Bind device_insurer to an ADL adapter before activating cover.\n  attach protection = insurance.cover {\n    holder: owner, adapter: \"device_insurer\", covers: purchase\n    expose activate as activate_cover\n    expose cancel as cancel_cover\n  }\n  attach claim = insurance.claim {\n    cover: protection, inspector: inspector\n    expose approve as approve_claim\n    expose deny as deny_claim\n    expose pay as pay_claim\n  }\n}\n" },
+    { "id": "insurance", "title": "Device insurance", "summary": "A device retailer collects the purchase price and attaches cover with a claim review process.", "headers": ["insurance", "money"], "source": "// A device retailer collects the purchase price and attaches cover with a claim review process.\nprogram device_insurance \"Device insurance\"\nuse insurance\nuse money\nparty inspector: staff role claims\n\nobject device \"Insured device\" {\n  fields { model: text, serialNumber: text, purchaseDate: date }\n  columns: [model, serialNumber, purchaseDate]\n  attach purchase = money.transfer {\n    payer: owner, payee: operator\n    expose pay as pay_for_device\n  }\n  // Bind device_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.\n  attach protection = insurance.cover {\n    holder: owner, adapter: \"device_insurer\", commission: 10%, covers: purchase\n    expose activate as activate_cover\n    expose cancel as cancel_cover\n  }\n  attach claim = insurance.claim {\n    cover: protection, inspector: inspector\n    expose approve as approve_claim\n    expose deny as deny_claim\n    expose pay as pay_claim\n  }\n}\n" },
     { "id": "lending", "title": "Community business lending", "summary": "A lending composition with limit approvals, wallet commitments and cash distribution transitions. Repayment and distribution-share child actions still need an execution path; this is not a complete public repayment flow.", "headers": ["lending", "financing", "wallet"], "source": "// A lending composition with limit approvals, wallet commitments and cash distribution transitions.\n// Repayment and distribution-share child actions still need an execution path; this is not a complete public repayment flow.\nprogram community_business_lending \"Community business lending\"\nuse lending\nuse financing\nuse wallet\n\nobject business \"Business funding\" {\n  fields { businessName: text, purpose: text, price: money }\n  columns: [businessName, purpose, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 100000 SAR\n    expose approve as approve_borrower\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 2000000 SAR\n    expose approve as approve_budget\n  }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_loan\n    expose disburse as release_loan\n  }\n  attach investor_balance = wallet.balance {\n    holder: actor\n    expose activate as open_wallet\n    expose topup as add_funds\n  }\n  attach funding = lending.round {\n    borrower: owner, plan: loan\n    expose create as open_funding\n    expose close as close_funding\n  }\n  attach investment = lending.commitment {\n    round: funding, wallet: investor_balance, investor: actor\n    expose create as invest\n    expose withdraw as withdraw_investment\n  }\n  attach returns = lending.distribution {\n    round: funding, receipt: loan.settlement\n    expose prepare_cash as prepare_returns\n    expose distribute_cash as distribute_returns\n  }\n}\n" },
     { "id": "library", "title": "Financed car sales", "summary": "A minimal financed car sale connects escrow to a three-instalment plan and lending limits.", "headers": ["escrow", "financing"], "source": "// A minimal financed car sale connects escrow to a three-instalment plan and lending limits.\nprogram cars \"Financed car sales\"\nuse escrow\nuse financing\nobject car \"Cars\" {\n fields { make: text, model: text, year: integer }\n attach sale = escrow.hold { payer: actor, payee: owner, expose fund as sell }\n attach limits = financing.limits { borrower: actor, per_borrower: 60000 SAR }\n attach ceiling = financing.portfolio_limit { limit: 1500000 SAR }\n attach plan = financing.installments {\n  borrower: actor, capital: operator, share: 25%\n  months: 3, profit: 2.5%, funds: sale, limits: limits, portfolio: ceiling\n  expose create as finance\n }\n}\n" },
     { "id": "marketplace", "title": "Freelance marketplace", "summary": "Freelancers publish offers and clients place orders with funds held until work is accepted.", "headers": ["marketplace", "escrow"], "source": "// Freelancers publish offers and clients place orders with funds held until work is accepted.\nprogram freelance_marketplace \"Freelance marketplace\"\nuse marketplace\nuse escrow\n\nobject project \"Project\" {\n  fields { brief: text, deliverable: text, price: money }\n  columns: [brief, deliverable, price]\n  attach offer = marketplace.listing {\n    seller: owner\n    expose publish as publish_offer\n    expose withdraw as withdraw_offer\n  }\n  attach order = marketplace.order {\n    listing: offer, buyer: actor\n    expose commit as place_order\n    expose fulfill as finish_order\n  }\n  attach payment = escrow.hold {\n    payer: actor, payee: owner\n    expose fund as fund_project\n    expose deliver as submit_work\n    expose accept as accept_work\n    expose dispute as dispute_work\n  }\n}\n" },
@@ -12,7 +12,7 @@ export const examples = [
     { "id": "reporting", "title": "Equipment loan reports", "summary": "An equipment lender keeps an ageing report over its financed purchases and recorded repayments.", "headers": ["reporting", "financing"], "source": "// An equipment lender keeps an ageing report over its financed purchases and recorded repayments.\nprogram equipment_loan_reports \"Equipment loan reports\"\nuse reporting\nuse financing\n\nobject purchase \"Equipment loan\" {\n  fields { businessName: text, equipment: text, price: money }\n  columns: [businessName, equipment, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 200000 SAR\n    expose approve as approve_business\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 5000000 SAR\n    expose approve as approve_budget\n  }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_purchase_loan\n    expose disburse as fund_purchase\n  }\n  attach reports = reporting.portfolio { on: loan }\n}\n" },
     { "id": "savings", "title": "Savings circle", "summary": "Six members contribute to a shared pot and receive it in their agreed calendar order.", "headers": ["savings"], "source": "// Six members contribute to a shared pot and receive it in their agreed calendar order.\nprogram neighbourhood_savings \"Savings circle\"\nuse savings\n\nobject group \"Savings group\" {\n  fields { groupName: text, purpose: text }\n  columns: [groupName, purpose]\n  attach circle = savings.circle {\n    contribution: 500 SAR, members: 6, starts: 2027-01-01\n    expose disband as disband_circle\n    expose close as close_circle\n  }\n  attach membership = savings.membership {\n    circle: circle, member: actor\n    expose activate as confirm_membership\n    expose withdraw as leave_circle\n  }\n  // Contributions and each member's payout follow the declared calendar.\n}\n" },
     { "id": "serviced", "title": "Car financing", "summary": "A car finance company services loans with late charges, payment reminders and early repayment.", "headers": ["escrow", "financing", "collections"], "source": "// A car finance company services loans with late charges, payment reminders and early repayment.\nprogram car_financing \"Car financing\"\nuse escrow\nuse financing\nuse collections\nobject car \"Car\" {\n fields { make: text, model: text, year: integer, vin: text, price: money }\n columns: [make, model, year, vin, price]\n attach sale = escrow.hold { payer: actor, payee: operator, expose fund as purchase }\n attach limits = financing.limits { borrower: actor, per_borrower: 250000 SAR }\n attach ceiling = financing.portfolio_limit { limit: 10000000 SAR }\n attach plan = financing.installments {\n  borrower: actor, capital: operator\n  months: 36, profit: 8.5%, down_payment: 10%\n  apply: fines_profit_principal, payoff_rebate: 100%, write_off_after: 90d\n  funds: sale, limits: limits, portfolio: ceiling\n  expose create as finance, expose sign as sign_contract, expose payoff as payoff\n }\n attach late = financing.late_charge {\n  on: plan, grace: 3d, fine: 50 SAR, cap: 25 SAR\n  fines_to: operator, costs_to: operator, borrower: actor\n }\n attach reminders = collections.reminder { on: plan, operator: operator, before_days: 3, overdue_days: 1 }\n}\n" },
-    { "id": "travel", "title": "Travel agency", "summary": "A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.", "headers": ["travel", "insurance"], "source": "// A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.\nprogram travel_agency \"Travel agency\"\nuse travel\nuse insurance\nparty hotel: business\n\nobject holiday \"Holiday booking\" {\n  fields { destination: text, leadTraveller: text }\n  columns: [destination, leadTraveller]\n  attach trip = travel.package {\n    price: 5000 SAR, supplier_cost: 3500 SAR, departure: 2027-07-01\n    expose publish as publish_trip\n  }\n  // Bind travel_insurer to an ADL adapter before activating cover.\n  attach protection = insurance.cover {\n    holder: actor, adapter: \"travel_insurer\", covers: reservation\n    expose activate as activate_cover\n  }\n  attach reservation = travel.booking {\n    package: trip, buyer: actor, supplier: hotel, cover: protection\n    expose deposit as pay_deposit\n    expose balance as pay_balance\n    expose confirm as confirm_completion\n    expose cancel_early as cancel_booking\n  }\n}\n" },
+    { "id": "travel", "title": "Travel agency", "summary": "A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.", "headers": ["travel", "insurance"], "source": "// A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.\nprogram travel_agency \"Travel agency\"\nuse travel\nuse insurance\nparty hotel: business\n\nobject holiday \"Holiday booking\" {\n  fields { destination: text, leadTraveller: text }\n  columns: [destination, leadTraveller]\n  attach trip = travel.package {\n    price: 5000 SAR, supplier_cost: 3500 SAR, departure: 2027-07-01\n    expose publish as publish_trip\n  }\n  // Bind travel_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.\n  attach protection = insurance.cover {\n    holder: actor, adapter: \"travel_insurer\", commission: 10%, covers: reservation\n    expose activate as activate_cover\n  }\n  attach reservation = travel.booking {\n    package: trip, buyer: actor, supplier: hotel, cover: protection\n    expose deposit as pay_deposit\n    expose balance as pay_balance\n    expose confirm as confirm_completion\n    expose cancel_early as cancel_booking\n  }\n}\n" },
     { "id": "wallet", "title": "Workshop credits", "summary": "Members prepay for workshop visits and the studio reserves each spend before charging it.", "headers": ["wallet"], "source": "// Members prepay for workshop visits and the studio reserves each spend before charging it.\nprogram workshop_credits \"Workshop credits\"\nuse wallet\n\nobject membership \"Membership\" {\n  fields { memberName: text, membershipNumber: text }\n  columns: [memberName, membershipNumber]\n  attach balance = wallet.balance {\n    holder: owner\n    expose activate as open_balance\n    expose topup as add_credit\n    expose withdraw as withdraw_credit\n    expose close as close_balance\n  }\n  attach visit = wallet.spend {\n    wallet: balance, payee: operator\n    expose reserve as reserve_visit\n    expose pay as charge_visit\n    expose cancel as cancel_visit\n  }\n}\n" },
 ];
 //# sourceMappingURL=examples-bundle.js.map

package/dist/src/examples-bundle.js.map

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package/dist/src/std-bundle.js

@@ -4,7 +4,7 @@ export const BUNDLED_STD_FILES = new Map([
     ["collections.hsx", "header collections\n\ninstrument case(on: ref<financing.installments>[], agency: party, capital: party = programOperator, overdue: duration = 3d, fee: percent = 20%) {\n  revisioned: true\n  summary: \"Refer an overdue installment without creating another debt.\"\n  fields { assignedAgency: account of agency, plan: ref<on>, slice: ref<on.slice>, payment: ref<on.payment>, eligibleAt: date = after(self.slice.dueAt, overdue), agencyFee: money = rate(self.payment.amount, fee) }\n  lifecycle { states: [opened, assigned, recovered, recalled, returned_uncollected], initial: opened }\n  action create {\n    due: { at: self.eligibleAt }\n    requires self.plan == self.slice.plan\n    requires self.slice.principalReceivable.balance > \"0\"\n    requires unique \"overdue_referral\" on [self.slice]\n  }\n  action assign { from: opened, to: assigned, actor: { party: capital } }\n  action recover { expansionLimit: 8192, from: assigned, to: recovered, actor: { party: agency }, requires self.payment.plan == self.plan, invoke: [{ reference: self.payment, action: pay, input: {} }, { reference: self.id, action: pay_fee, input: {} }] }\n  action pay_fee { allowZero: true, from: recovered, to: recovered, actor: { parent: current() }, moves self.agencyFee from self.plan.capital to agency }\n  action recall { from: [opened, assigned], to: recalled, actor: { party: capital } }\n  action return_uncollected { from: assigned, to: returned_uncollected, actor: { party: agency } }\n}\n\ninstrument contact(case: ref<collections.case>[], agency: party, max_contacts: integer = 10, window: duration = 30d, contact_from: integer(0, 23) = 8, contact_until: integer(1, 23) = 20, timezone: text = \"Asia/Riyadh\") {\n  constraints { contact_from: less_than(contact_until) }\n  summary: \"An agency contact admitted against the locked rolling count and local hours.\"\n  fields { agency: account of agency, case: ref<case>, attemptedAt: date?, evidence: text, maximum: integer = max_contacts }\n  lifecycle { states: [recorded], initial: recorded }\n  invariants count of { instrument: current(), reference: \"case\", anchor: self.case, states: [recorded], limit: 366, window: { field: attemptedAt, milliseconds: window } } <= self.maximum\n  action create {\n    actor: { party: agency }\n    set: { attemptedAt: { field: self.now } }\n    requires self.agency == self.case.assignedAgency; requires self.case in [assigned]; requires hours self.now between contact_from and contact_until timezone timezone\n  }\n  records {\n    outcome: {\n      fields { contact: ref<parent>, agency: account of agency, outcome: enum(reached, no_answer, promise_to_pay, disputed, wrong_contact, refused), evidence: text, recordedAt: date? }\n      lifecycle { states: [recorded], initial: recorded }\n      action create {\n        actor: { party: agency }\n        requires self.agency == self.contact.case.assignedAgency\n        set: { recordedAt: { field: self.now } }\n      }\n    }\n  }\n}\n\n\ninstrument reminder(on: ref<financing.installments>[], operator: party = programOperator, before_days: integer(0, 366) = 3, overdue_days: integer(1, 366) = 1, max_per_day: integer(1, 10) = 1, send_from: integer(0, 23) = 8, send_until: integer(1, 24) = 20, timezone: text = \"Asia/Riyadh\") {\n  constraints { send_from: less_than(send_until) }\n  summary: \"Send an email to the installment borrower's stored contact address.\"\n  fields { slice: ref<on.slice> }\n  lifecycle { states: [ready], initial: ready }\n  action create { requires unique \"installment_reminder\" on [self.slice] }\n  action dispatch {\n    from: ready, to: ready, actor: { party: operator }\n    invoke: [{ reference: self.id, action: send, input: {} }]\n  }\n  action before_due {\n    from: ready, to: ready, actor: clock\n    due: { at: self.slice.dueAt, localDay: { days: before_days, direction: \"before\", hour: send_from, timezone: timezone } }\n    invoke: [{ selection: { instrument: current(), reference: \"slice\", anchor: self.slice, states: [ready], limit: 1, where: { slice.plan.status: { literal: \"active\" } } }, action: send, guard: { kind: compare, left: { field: self.slice.principalReceivable.balance }, operator: \">\", right: { literal: \"0\" } }, input: {} }]\n  }\n  action overdue {\n    from: ready, to: ready, actor: clock\n    due: { at: self.slice.dueAt, localDay: { days: overdue_days, direction: \"after\", hour: send_from, timezone: timezone } }\n    invoke: [{ selection: { instrument: current(), reference: \"slice\", anchor: self.slice, states: [ready], limit: 1, where: { slice.plan.status: { literal: \"active\" } } }, action: send, guard: { kind: compare, left: { field: self.slice.principalReceivable.balance }, operator: \">\", right: { literal: \"0\" } }, input: {} }]\n  }\n  action send {\n    from: ready, to: ready, actor: { parent: current() }\n    requires self.slice.plan in [active]\n    requires self.slice.principalReceivable.balance > \"0\"\n    reminder: { installment: self.slice, recipient: self.slice.plan.borrower, dueAt: self.slice.dueAt, channel: \"email\", template: \"payment_reminder\", beforeDays: before_days, overdueDays: overdue_days, maxPerDay: max_per_day, startHour: send_from, endHour: send_until, timezone: timezone }\n  }\n}\n"],
     ["escrow.hsx", "header escrow\n\ninstrument hold(payer: party = party(person), payee: party = programOperator, accept_within: duration = 48h, fee: fee = { seller: 0%, tax: 0% }, dispute: policy = { refund_after: return_verified }) {\n  revisioned: true\n  summary: \"Hold the subject price through delivery, acceptance and verified return.\"\n  fields {\n    payer: account of payer, payee: account of payee\n    held: account of self, deliveredAt: date?\n    price: money = subject.price\n  }\n  lifecycle { states: [pending, funded, delivered, disputed, return_verified, released, refunded, cancelled], initial: pending }\n  action create {\n    subject { price: money }\n    actor: { party: payer }\n  }\n  action fund {\n    from: pending, to: funded, actor: { party: payer }\n    subject { price: money }\n    moves subject.price from payer to self.held\n  }\n  action confirm {\n    from: pending, to: funded\n    requires self.held.balance == self.price\n  }\n  action deliver {\n    from: funded, to: delivered, actor: { party: payee }\n    set: { deliveredAt: { field: self.now } }\n  }\n  action accept { allowZero: true, requires self.price > \"0\";\n    from: delivered, to: released, actor: { party: payer }\n    input { acceptanceReference: text }\n    deadline: { at: self.deliveredAt, offset: accept_within }\n    moves self.price from self.held to payee fee fee\n  }\n  action expire_acceptance {\n    from: delivered, to: disputed, actor: clock\n    due: { at: self.deliveredAt, offset: accept_within }\n  }\n  action dispute {\n    from: delivered, to: disputed, actor: { party: payer }\n    deadline: { at: self.deliveredAt, offset: accept_within }\n  }\n  action verify_return {\n    from: disputed, to: return_verified, actor: { party: payee }\n    input { returnEvidence: text }\n  }\n  action refund {\n    from: dispute.refund_after, to: refunded, actor: { party: payee }\n    moves self.price from self.held to payer\n  }\n  action cancel { from: pending, to: cancelled }\n}\n"],
     ["financing.hsx", "header financing\n\ninstrument installments(months: integer(1, 366), charge_limit: integer(1, 3) = 3, profit: percent, disburse_to: enum(funds, borrower) = funds, profit_earned: enum(on_payment, by_schedule, at_disbursement) = on_payment, apply: enum(fines_profit_principal, principal_profit, pro_rata) = fines_profit_principal, payoff_rebate: percent = 100%, write_off_after: duration = 90d, max_extension: duration = 90d, max_amendments: integer(0, 366) = 2, waiver_limit: percent = 100%, amendment_expiry: duration = 7d, payoff_quote_expiry: duration = 1h, allow_overdue: enum(allowed, blocked) = allowed, assessed_fines: enum(carry, require_waiver) = carry, down_payment: percent = 0%, funds: ref<escrow.hold>?, borrower: party = party(person), capital: party = programOperator, share: percent = 0%, limits: ref<financing.limits> = object(financing.limits), portfolio: ref<financing.portfolio_limit> = object(financing.portfolio_limit)) {\n  dependencies {\n    funds {\n      selector: disburse_to, is: funds\n      message: \"Attachment `{attachment}` disburses into a hold, but `funds` is not bound.\"\n      fix: \"Bind `funds: sale` to an escrow attachment. Choose `disburse_to: borrower` only if the borrower should receive the money directly.\"\n    }\n  }\n  revisioned: true\n  familyRevision: 1\n  summary: \"Funding, profit recognition and payment order chosen by the program.\"\n  fields {\n    funds: ref<funds>?, borrower: account of borrower, settlementIdentity: text, borrowerLimit: ref<limits>, portfolioLimit: ref<portfolio>\n    months: integer = months, dates: list(date, months)\n    allocatedPayable: account(capital, cash, \"allocatedProfitPayable\"), capital: account(capital, cash, \"capital\"), profitIncome: account(capital, cash, \"profitIncome\"), loss: account(capital, claim, \"loss\")\n    downPaymentRemaining: money?, downPaymentCredit: money?, principalReturned: money?, profitReturned: money?, lossRecorded: money?\n    price: money = subject.price\n    downPayment: money = rate(self.price, down_payment)\n    principal: money = subtract(self.price, self.downPayment)\n    profit: money = rate(self.principal, profit)\n    total: money = sum(self.principal, self.profit)\n  }\n  lifecycle { states: [quoted, signed, active, paid, written_off, cancelled], initial: quoted }\n  invariants count of { instrument: all(financing.installments), reference: \"borrowerLimit\", anchor: self.borrowerLimit, states: [active], limit: 366 } <= self.borrowerLimit.activePlans\n  invariants sum \"principalReceivable.balance\" of { instrument: all(financing.installments.slice), reference: \"borrowerLimit\", anchor: self.borrowerLimit, states: [pending, due, paid], limit: 366 } <= self.borrowerLimit.limit\n  invariants sum \"principalReceivable.balance\" of { instrument: all(financing.installments.slice), reference: \"portfolioLimit\", anchor: self.portfolioLimit, states: [pending, due, paid], limit: 366 } <= self.portfolioLimit.limit\n  action create {\n    subject { price: money }\n    requires self.borrowerLimit.borrower == self.borrower\n    when disburse_to is funds { requires self.borrower == self.funds.payer }\n    invoke: [{ range: { count: { literal: months }, maximum: months, bind: position }, instrument: slice, action: create, input: { plan: { field: self.id }, borrowerLimit: { field: self.borrowerLimit }, portfolioLimit: { field: self.portfolioLimit }, position: { field: position } } }]\n  }\n  action sign {\n    from: quoted, to: signed, actor: { party: borrower }, input { signedOffer: text, affordabilityReference: text }\n    requires count of { instrument: slice, reference: \"plan\", anchor: self.id, states: [draft], limit: 366 } == self.months\n  }\n  action disburse { allowZero: true,\n    from: signed, to: active, actor: { party: capital }\n    requires self.borrowerLimit in [approved]\n    requires self.portfolioLimit in [approved]\n    when disburse_to is funds {\n      requires self.funds in [pending]\n      invoke: [{ reference: self.id, action: fund_down_payment, input: {} }]\n    }\n    when disburse_to is borrower { moves self.principal from self.capital to self.borrower }\n    invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [draft], limit: 366, order: [position] }, action: activate, input: {} }]\n    when disburse_to is funds { invoke: [{ reference: self.funds, action: confirm, input: {} }] }\n  }\n  action fund_down_payment { allowZero: true,\n    from: active, to: active, actor: { parent: current() }\n    when disburse_to is funds {\n      calculate: [{ target: downPaymentCredit, op: minimum, values: [{ field: self.funds.held.balance }, { field: self.downPayment }] }, { target: downPaymentRemaining, op: subtract, base: { field: self.downPayment }, subtract: [{ field: self.downPaymentCredit }] }]\n      moves self.downPaymentRemaining from self.funds.payer to self.funds.held\n      moves self.principal from self.capital to self.funds.held\n    }\n  }\n  action complete {\n    from: active, to: paid\n    requires count of { instrument: slice, reference: \"plan\", anchor: self.id, states: [pending, due], limit: 366 } == 0\n    requires sum \"receivable.balance\" of { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.id, states: [assessed, collected], limit: 366 } == \"0\"\n    requires sum \"receivable.balance\" of { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.id, states: [assessed, collected], limit: 366 } == \"0\"\n  }\n  action restore { from: [active, paid], to: active, actor: { parent: payment } }\n  action payoff {\n    from: active, to: paid, actor: { party: borrower }\n    input { quote: ref<payoff_quote> }\n    requires input.quote.plan == self.id; requires input.quote.revision == self.productRevision\n    deadline: { at: input.quote.expiresAt }\n    calculate: [\n      { target: \"principalReturned\", op: \"aggregate\", selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [pending, due], limit: 366 }, measure: { sum: \"principalReceivable.balance\" } }\n    ]\n    invoke: [{ selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.id, states: [assessed, collected], limit: 366, order: [overdueAt] }, action: payoff, input: {} }, { selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.id, states: [assessed, collected], limit: 366, order: [overdueAt] }, action: payoff, input: {} }]\n    invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [pending, due], limit: 366, order: [position] }, action: payoff, input: { identity: { field: self.settlementIdentity } } }, { reference: self.id, action: record_payoff, input: {} }]\n  }\n  action record_payoff {\n    from: paid, to: paid, actor: { parent: current() }\n    calculate: [{ target: profitReturned, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [paid], limit: 366, where: { payoffIdentity: { field: self.settlementIdentity } } }, measure: { sum: \"payoffProfit\" } }]\n    invoke: [{ instrument: settlement, action: create, input: { plan: { field: self.id }, identity: { field: self.settlementIdentity }, principal: { field: self.principalReturned }, profit: { field: self.profitReturned }, loss: { literal: \"0\" }, kind: { literal: \"cash\" } } }]\n  }\n  action write_off {\n    from: active, to: written_off, actor: { parent: write_off_request }\n    input { overdueSlice: ref<slice> }\n    calculate: [{ target: \"lossRecorded\", op: \"aggregate\", selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [pending, due], limit: 366 }, measure: { sum: \"principalReceivable.balance\" } }]\n    due: { at: input.overdueSlice.lossEligibleAt }\n    requires input.overdueSlice.plan == self.id; requires input.overdueSlice.principalReceivable.balance > \"0\"\n    invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.id, states: [pending, due], limit: 366, order: [position] }, action: write_off, input: {} }, { instrument: settlement, action: create, input: { plan: { field: self.id }, identity: { field: self.settlementIdentity }, principal: { literal: \"0\" }, profit: { literal: \"0\" }, loss: { field: self.lossRecorded }, kind: { literal: \"loss\" } } }]\n  }\n  action record_payment {\n    from: active, to: active, actor: { parent: payment }\n    input { identity: text, principal: money, profit: money }\n    invoke: [{ instrument: settlement, action: create, input: { plan: { field: self.id }, identity: { field: input.identity }, principal: { field: input.principal }, profit: { field: input.profit }, loss: { literal: \"0\" }, kind: { literal: \"cash\" } } }]\n  }\n  action cancel { from: quoted, to: cancelled }\n  action void { from: signed, to: cancelled, actor: { party: borrower } }\n  records {\n    write_off_request: {\n      fields { plan: ref<parent>, overdueSlice: ref<slice> }\n      lifecycle { states: [requested, applied, cancelled], initial: requested }\n      action create { requires self.overdueSlice.plan == self.plan; requires self.plan in [active] }\n      action apply {\n        from: requested, to: applied, actor: { party: capital }\n        invoke: [{ reference: self.plan, action: write_off, input: { overdueSlice: { field: self.overdueSlice } } }]\n      }\n      action cancel { from: requested, to: cancelled }\n    }\n    payoff_quote: {\n      fields {\n        plan: ref<parent>, revision: text?, effectiveAt: date?, expiresAt: date = after(self.createdAt, payoff_quote_expiry)\n        principal: money?, earnedProfit: money?, unearnedProfit: money?, rebate: money?, fines: money?, costs: money?, gross: money?, amount: money?\n      }\n      lifecycle { states: [quoted], initial: quoted }\n      action create {\n        requires self.plan in [active]\n        set: { revision: { field: self.productRevision }, effectiveAt: { field: self.now } }\n        invoke: [\n          { selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending], limit: 366 }, action: quote_pending, input: { quote: { field: self.id } } }\n          { selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [due], limit: 366 }, action: quote_due, input: { quote: { field: self.id } } }\n          { reference: self.id, action: record, input: {} }\n        ]\n      }\n      action record {\n        from: quoted, to: quoted, actor: { parent: current() }\n        calculate: [\n          { target: principal, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"principalReceivable.balance\" } }\n          { target: earnedProfit, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"profitEarned.balance\" } }\n          { target: unearnedProfit, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"profitReceivable.balance\" } }\n          { target: rebate, op: aggregate, selection: { instrument: quote_piece, reference: \"quote\", anchor: self.id, states: [recorded], limit: 366 }, measure: { sum: \"rebate\" } }\n          { target: fines, op: aggregate, selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, measure: { sum: \"receivable.balance\" } }\n          { target: costs, op: aggregate, selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, measure: { sum: \"receivable.balance\" } }\n          { target: gross, op: sum, values: [{ field: self.principal }, { field: self.earnedProfit }, { field: self.unearnedProfit }, { field: self.fines }, { field: self.costs }] }\n          { target: amount, op: subtract, base: { field: self.gross }, subtract: [{ field: self.rebate }] }\n        ]\n      }\n    }\n    quote_piece: {\n      fields { quote: ref<payoff_quote>, slice: ref<slice>, rebate: money = rate(self.slice.profitReceivable.balance, payoff_rebate) }\n      lifecycle { states: [recorded], initial: recorded }\n      action create { actor: { parent: slice }, input { quote: ref<payoff_quote>, slice: ref<slice> }, requires unique \"payoff_slice_quote\" on [self.quote, self.slice] }\n    }\n    amendment: {\n      fields {\n        plan: ref<parent>, dates: list(date, months), agreement: text, waiverPercent: percent, waiverEvidence: text, maximumWaiver: percent = waiver_limit\n        revision: text?, acceptedAt: date?, staleReason: text?, expiresAt: date = after(self.createdAt, amendment_expiry)\n        fineDisposition: enum(carry, require_waiver) = assessed_fines, addedProfit: money = 0 SAR\n        principalSnapshot: money?, earnedProfitSnapshot: money?, unearnedProfitSnapshot: money?, finesSnapshot: money?, costsSnapshot: money?\n        extension: duration = max_extension, maximum: integer = max_amendments\n      }\n      lifecycle { states: [proposed, applied, declined, withdrawn, expired, superseded], initial: proposed }\n      action create {\n        actor: { party: capital }\n        requires self.plan in [active]; requires self.waiverPercent <= self.maximumWaiver\n        set: { revision: { field: self.productRevision } }\n        calculate: [\n          { target: principalSnapshot, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"principalReceivable.balance\" } }\n          { target: earnedProfitSnapshot, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"profitEarned.balance\" } }\n          { target: unearnedProfitSnapshot, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, measure: { sum: \"profitReceivable.balance\" } }\n          { target: finesSnapshot, op: aggregate, selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, measure: { sum: \"receivable.balance\" } }\n          { target: costsSnapshot, op: aggregate, selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, measure: { sum: \"receivable.balance\" } }\n        ]\n        requires count of { instrument: current(), reference: \"plan\", anchor: self.plan, states: [applied], limit: 366 } < self.maximum\n        invoke: [{ range: { count: { literal: months }, maximum: months, bind: position }, instrument: proposed_date, action: create, input: { amendment: { field: self.id }, position: { field: position } } }, { selection: { instrument: proposed_date, reference: \"amendment\", anchor: self.id, states: [recorded], limit: 366, where: { first: { literal: 0 } } }, action: check_order, input: {} }]\n      }\n      action accept {\n        from: proposed, to: applied, actor: { party: borrower }, deadline: { at: self.expiresAt }\n        requires self.plan in [active]; requires self.revision == self.productRevision\n        requires count of { instrument: current(), reference: \"plan\", anchor: self.plan, states: [applied], limit: 366 } < self.maximum\n        set: { acceptedAt: { field: self.now } }\n        when assessed_fines is require_waiver { requires self.waiverPercent == 10000 }\n        invoke: [{ selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, action: waive_for_amendment, input: { amendment: { field: self.id } } }, { selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366 }, action: waive_for_amendment, input: { amendment: { field: self.id } } }]\n        invoke: [{ selection: { instrument: all(collections.case), reference: \"plan\", anchor: self.plan, states: [opened, assigned], limit: 366 }, action: recall, input: {} }, { selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [proposed], limit: 366 }, action: cancel, input: {} }, { selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [proposed], limit: 366 }, action: cancel, input: {} }]\n        invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 366, order: [position] }, action: amend, input: { amendment: { field: self.id } } }]\n        invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [paid], limit: 366 }, action: verify_fixed_date, input: { amendment: { field: self.id } } }]\n      }\n      action withdraw { from: proposed, to: withdrawn, actor: { party: capital } }\n      action decline { from: proposed, to: declined, actor: { party: borrower } }\n      action expire { from: proposed, to: expired, actor: clock, due: { at: self.expiresAt } }\n      action supersede { from: proposed, to: superseded, requires self.revision != self.productRevision, set: { staleReason: { literal: \"economic_revision_changed\" } } }\n    }\n    proposed_date: {\n      fields { amendment: ref<amendment>, position: integer(1, months), date: date = at(self.amendment.dates, self.position), first: integer = divide(1, self.position), prior: integer = subtract(self.position, 1), previousPosition: integer = sum(self.prior, self.first), previous: date = at(self.amendment.dates, self.previousPosition) }\n      lifecycle { states: [recorded], initial: recorded }\n      action create { actor: { parent: amendment }, input { amendment: ref<amendment>, position: integer(1, months) }, requires self.date >= self.previous }\n      action check_order { from: recorded, to: recorded, actor: { parent: amendment }, requires self.date > self.previous }\n    }\n    date_change: {\n      fields { amendment: ref<amendment>, slice: ref<slice>, oldDate: date, newDate: date }\n      lifecycle { states: [recorded], initial: recorded }\n      action create { actor: { parent: slice }, input { amendment: ref<amendment>, slice: ref<slice>, oldDate: date, newDate: date }, requires unique \"amended_slice\" on [self.amendment, self.slice] }\n    }\n    settlement: {\n      fields { plan: ref<parent>, identity: text, principal: money, profit: money, loss: money, kind: enum(cash, loss), share: money?, retainedProfit: money?\n        allocatedPayable: account(capital, cash, \"allocatedProfitPayable\"), capital: account(capital, cash, \"capital\"), profitIncome: account(capital, cash, \"profitIncome\"), lossAccount: account(capital, claim, \"loss\") }\n      lifecycle { states: [recorded, refunded], initial: recorded }\n      action create { allowZero: true,\n        actor: { parent: parent }\n        input { plan: ref<parent>, identity: text, principal: money, profit: money, loss: money, kind: enum(cash, loss) }\n        requires unique \"settlement_identity\" on [self.plan, self.identity]\n        calculate: [{ target: \"share\", op: \"rate\", base: { field: self.profit }, bps: { literal: share }, rounding: \"floor\" }, { target: retainedProfit, op: \"subtract\", base: { field: self.profit }, subtract: [{ field: self.share }] }]\n        moves self.share from self.profitIncome to self.allocatedPayable\n      }\n      action refund { allowZero: true,\n        from: recorded, to: refunded, actor: { parent: payment }\n        moves self.share from self.allocatedPayable to self.profitIncome\n      }\n    }\n    slice: {\n      revisioned: true\n      fields {\n        plan: ref<parent>, borrowerLimit: ref<limits>, portfolioLimit: ref<portfolio>, position: integer(1, months)\n        originalDueAt: date = at(self.plan.dates, self.position), dueAt: date?, nextDueAt: date?, previousDueAt: date?, previousPosition: integer?, previousDate: date?, extensionLimit: date = after(self.originalDueAt, max_extension), lossEligibleAt: date?\n        principalBase: money = divide(self.plan.principal, months)\n        principalAllocated: money = multiply(self.principalBase, months)\n        principalRemainder: money = subtract(self.plan.principal, self.principalAllocated)\n        profitBase: money = divide(self.plan.profit, months)\n        profitAllocated: money = multiply(self.profitBase, months)\n        profitRemainder: money = subtract(self.plan.profit, self.profitAllocated)\n        first: integer = divide(1, self.position)\n        principalAdjustment: money = multiply(self.principalRemainder, self.first)\n        profitAdjustment: money = multiply(self.profitRemainder, self.first)\n        principal: money = sum(self.principalBase, self.principalAdjustment)\n        profit: money = sum(self.profitBase, self.profitAdjustment)\n        principalReceivable: account(self, claim), profitReceivable: account(self, claim), profitEarned: account(self, claim)\n        payoffIdentity: text?, payoffRebate: money?, payoffProfitTotal: money?, payoffProfit: money?\n        paymentBudget: money?, principalPayment: money?, principalBasePayment: money?, principalRatio: money?, profitPayment: money?, profitBudget: money?, collectibleProfit: money?, collectibleTotal: money?, ratioDenominator: integer = sum(10000, profit)\n        debt: account(borrower, claim, contra, \"debt\"), loss: account(capital, claim, \"loss\")\n      }\n      lifecycle { states: [draft, pending, due, paid, written_off], initial: draft }\n      action create {\n        actor: { parent: parent }\n        input { plan: ref<parent>, borrowerLimit: ref<limits>, portfolioLimit: ref<portfolio>, position: integer(1, months) }\n        set: { dueAt: { field: self.originalDueAt } }\n        invoke: [{ reference: self.id, action: refresh_loss_date, input: {} }]\n        requires self.plan in [quoted]; requires unique \"signed_position\" on [self.plan, self.position]; requires self.borrowerLimit == self.plan.borrowerLimit; requires self.portfolioLimit == self.plan.portfolioLimit\n      }\n      action quote_pending {\n        from: pending, to: pending, actor: { parent: payoff_quote }, input { quote: ref<payoff_quote> }\n        requires input.quote.plan == self.plan\n        invoke: [{ instrument: quote_piece, action: create, input: { quote: { field: input.quote }, slice: { field: self.id } } }]\n      }\n      action quote_due {\n        from: due, to: due, actor: { parent: payoff_quote }, input { quote: ref<payoff_quote> }\n        requires input.quote.plan == self.plan\n        invoke: [{ instrument: quote_piece, action: create, input: { quote: { field: input.quote }, slice: { field: self.id } } }]\n      }\n      action refresh_loss_date {\n        from: [draft, pending, due], to: draft, actor: { parent: current() }\n        calculate: [{ target: lossEligibleAt, op: shift, date: { field: self.dueAt }, milliseconds: { literal: write_off_after }, direction: after }]\n      }\n      action amend {\n        from: [pending, due], to: pending, actor: { parent: amendment }, input { amendment: ref<amendment> }\n        requires input.amendment.plan == self.plan\n        when allow_overdue is blocked { requires self.dueAt > self.now }\n        calculate: [\n          { target: nextDueAt, op: at, list: input.amendment.dates, position: { field: self.position } }\n          { target: lossEligibleAt, op: shift, date: { field: self.nextDueAt }, milliseconds: { literal: write_off_after }, direction: after }\n        ]\n        requires self.nextDueAt > self.now; requires self.nextDueAt >= self.dueAt; requires self.nextDueAt <= self.extensionLimit\n        set: { previousDueAt: { field: self.dueAt }, dueAt: { field: self.nextDueAt } }\n        invoke: [{ instrument: date_change, action: create, input: { amendment: { field: input.amendment }, slice: { field: self.id }, oldDate: { field: self.previousDueAt }, newDate: { field: self.nextDueAt } } }]\n        when profit_earned is by_schedule { invoke: [{ selection: { instrument: recognition, reference: \"slice\", anchor: self.id, states: [pending], limit: 1 }, action: reschedule, input: {} }] }\n      }\n      action verify_fixed_date {\n        from: paid, to: paid, actor: { parent: amendment }, input { amendment: ref<amendment> }\n        calculate: [{ target: nextDueAt, op: at, list: input.amendment.dates, position: { field: self.position } }]\n        requires self.nextDueAt == self.dueAt\n      }\n      action activate { allowZero: true,\n        from: draft, to: pending, actor: { parent: parent }\n        moves self.principal from self.debt to self.principalReceivable\n        moves self.profit from self.debt to self.profitReceivable\n        when profit_earned is at_disbursement { moves self.profit from self.profitReceivable to self.profitEarned }\n        when profit_earned is by_schedule { invoke: [{ instrument: recognition, action: create, input: { slice: { field: self.id } } }] }\n      }\n      action mature {\n        from: pending, to: due, actor: clock, due: { at: self.dueAt }\n      }\n      action collect {\n        from: [pending, due], to: preserve, actor: { parent: payment }\n        input { payment: ref<payment> }\n        requires input.payment.plan == self.plan\n        when profit_earned is on_payment { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitReceivable.balance }] }] }\n        when profit_earned is by_schedule { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        when profit_earned is at_disbursement { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        when apply is principal_profit {\n          invoke: [\n            { instrument: principal_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.principalReceivable.balance } } }\n            { instrument: profit_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.collectibleProfit } } }\n            { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 1, where: { id: { field: self.id }, principalReceivable.balance: { literal: \"0\" }, profitReceivable.balance: { literal: \"0\" }, profitEarned.balance: { literal: \"0\" } } }, action: complete, input: {} }\n          ]\n        }\n      }\n      action collect_waterfall {\n        from: [pending, due], to: preserve, actor: { parent: payment }, input { payment: ref<payment> }\n        requires input.payment.plan == self.plan\n        when profit_earned is on_payment { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitReceivable.balance }] }] }\n        when profit_earned is by_schedule { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        when profit_earned is at_disbursement { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        invoke: [\n          { selection: { instrument: all(financing.late_charge), reference: \"slice\", anchor: self.id, states: [assessed], limit: charge_limit, order: [overdueAt] }, action: collect, input: { payment: { field: input.payment } } }\n          { selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed], limit: charge_limit, order: [overdueAt], where: { assessment.slice: { field: self.id } } }, action: collect, input: { payment: { field: input.payment } } }\n          { instrument: profit_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.collectibleProfit } } }\n          { instrument: principal_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.principalReceivable.balance } } }\n          { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 1, where: { id: { field: self.id }, principalReceivable.balance: { literal: \"0\" }, profitReceivable.balance: { literal: \"0\" }, profitEarned.balance: { literal: \"0\" } } }, action: complete, input: {} }\n        ]\n      }\n      action collect_pro_rata {\n        from: [pending, due], to: preserve, actor: { parent: payment }, input { payment: ref<payment> }\n        requires input.payment.plan == self.plan\n        when profit_earned is on_payment { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitReceivable.balance }] }] }\n        when profit_earned is by_schedule { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        when profit_earned is at_disbursement { calculate: [{ target: collectibleProfit, op: sum, values: [{ field: self.profitEarned.balance }] }] }\n        calculate: [\n          { target: collectibleTotal, op: sum, values: [{ field: self.principalReceivable.balance }, { field: self.collectibleProfit }] }\n          { target: paymentBudget, op: minimum, values: [{ field: input.payment.held.balance }, { field: self.collectibleTotal }] }\n          { target: principalRatio, op: ratio, amount: { field: self.paymentBudget }, numerator: { literal: 10000 }, denominator: { field: self.ratioDenominator }, rounding: floor }\n          { target: principalBasePayment, op: minimum, values: [{ field: self.principalRatio }, { field: self.principalReceivable.balance }] }\n          { target: profitBudget, op: subtract, base: { field: self.paymentBudget }, subtract: [{ field: self.principalBasePayment }] }\n          { target: profitPayment, op: minimum, values: [{ field: self.profitBudget }, { field: self.collectibleProfit }] }\n          { target: principalPayment, op: subtract, base: { field: self.paymentBudget }, subtract: [{ field: self.profitPayment }] }\n        ]\n        invoke: [\n          { instrument: principal_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.principalPayment } } }\n          { instrument: profit_piece, action: create, input: { slice: { field: self.id }, payment: { field: input.payment }, limit: { field: self.profitPayment } } }\n          { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 1, where: { id: { field: self.id }, principalReceivable.balance: { literal: \"0\" }, profitReceivable.balance: { literal: \"0\" }, profitEarned.balance: { literal: \"0\" } } }, action: complete, input: {} }\n        ]\n      }\n      action complete {\n        from: [pending, due], to: paid\n        requires self.principalReceivable.balance == \"0\"; requires self.profitReceivable.balance == \"0\"; requires self.profitEarned.balance == \"0\"\n      }\n      action restore { from: [pending, due, paid], to: pending, actor: { parent: payment } }\n      action payoff { allowZero: true,\n        from: [pending, due], to: paid, actor: { parent: parent }, input { identity: text }\n        set: { payoffIdentity: { field: input.identity } }\n        calculate: [{ target: payoffRebate, op: rate, base: { field: self.profitReceivable.balance }, bps: { literal: payoff_rebate }, rounding: floor }, { target: payoffProfitTotal, op: sum, values: [{ field: self.profitReceivable.balance }, { field: self.profitEarned.balance }] }, { target: payoffProfit, op: subtract, base: { field: self.payoffProfitTotal }, subtract: [{ field: self.payoffRebate }] }]\n        moves self.principalReceivable.balance from self.plan.borrower to self.plan.capital\n        moves self.payoffProfit from self.plan.borrower to self.plan.profitIncome\n        moves self.principalReceivable.balance from self.principalReceivable to self.debt\n        moves self.profitReceivable.balance from self.profitReceivable to self.debt\n        moves self.profitEarned.balance from self.profitEarned to self.debt\n      }\n      action write_off { allowZero: true,\n        from: [pending, due], to: written_off, actor: { parent: parent }\n        moves self.principalReceivable.balance from self.principalReceivable to self.loss; moves self.profitReceivable.balance from self.profitReceivable to self.debt; moves self.profitEarned.balance from self.profitEarned to self.loss\n      }\n    }\n    recognition: {\n      fields { slice: ref<slice>, dueAt: date = after(self.slice.dueAt, 0) }\n      lifecycle { states: [pending, recognised], initial: pending }\n      action create { actor: { parent: slice }, input { slice: ref<slice> }, requires unique \"profit_recognition\" on [self.slice] }\n      action reschedule { from: pending, to: pending, actor: { parent: slice } }\n      action mature { allowZero: true, from: pending, to: recognised, actor: clock, due: { at: self.dueAt }, moves self.slice.profitReceivable.balance from self.slice.profitReceivable to self.slice.profitEarned }\n    }\n    payment: {\n      revisioned: true\n      fields { plan: ref<parent>, amount: money, paymentIdentity: text, held: account of self\n        outstandingPrincipal: money?, outstandingProfit: money?, outstandingFines: money?, outstandingCosts: money?, outstandingTotal: money?, principalReturned: money?, profitReturned: money?, lossRecorded: money? }\n\n      lifecycle { states: [pending, paid, refunded], initial: pending }\n      action create { input { plan: ref<parent>, amount: money, paymentIdentity: text } requires self.plan in [active]; requires unique \"payment_identity\" on [self.plan, self.paymentIdentity] }\n      action pay {\n        expansionLimit: 8192\n        from: pending, to: paid, actor: { party: borrower }\n        calculate: [{ target: outstandingPrincipal, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366, order: [position] }, measure: { sum: \"principalReceivable.balance\" } }]\n        when profit_earned is on_payment { calculate: [{ target: outstandingProfit, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366, order: [position] }, measure: { sum: \"profitReceivable.balance\" } }] }\n        when profit_earned is by_schedule { calculate: [{ target: outstandingProfit, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366, order: [position] }, measure: { sum: \"profitEarned.balance\" } }] }\n        when profit_earned is at_disbursement { calculate: [{ target: outstandingProfit, op: aggregate, selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366, order: [position] }, measure: { sum: \"profitEarned.balance\" } }] }\n        when apply is fines_profit_principal {\n          calculate: [{ target: outstandingFines, op: aggregate, selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366, order: [overdueAt] }, measure: { sum: \"receivable.balance\" } }, { target: outstandingCosts, op: aggregate, selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366, order: [overdueAt] }, measure: { sum: \"receivable.balance\" } }, { target: outstandingTotal, op: sum, values: [{ field: self.outstandingPrincipal }, { field: self.outstandingProfit }, { field: self.outstandingFines }, { field: self.outstandingCosts }] }]\n        }\n        when apply is principal_profit { calculate: [{ target: outstandingTotal, op: sum, values: [{ field: self.outstandingPrincipal }, { field: self.outstandingProfit }] }] }\n        when apply is pro_rata { calculate: [{ target: outstandingTotal, op: sum, values: [{ field: self.outstandingPrincipal }, { field: self.outstandingProfit }] }] }\n        requires self.plan in [active]; requires self.amount <= self.outstandingTotal\n        moves self.amount from self.plan.borrower to self.held\n        when apply is principal_profit {\n          invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 366, order: [position] }, action: collect, guard: { kind: compare, left: { field: self.held.balance }, operator: \">\", right: { literal: \"0\" } }, input: { payment: { field: self.id } } }]\n        }\n        when apply is fines_profit_principal {\n          invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 366, order: [position] }, action: collect_waterfall, guard: { kind: compare, left: { field: self.held.balance }, operator: \">\", right: { literal: \"0\" } }, input: { payment: { field: self.id } } }]\n        }\n        when apply is pro_rata {\n          invoke: [{ selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due], limit: 366, order: [position] }, action: collect_pro_rata, guard: { kind: compare, left: { field: self.held.balance }, operator: \">\", right: { literal: \"0\" } }, input: { payment: { field: self.id } } }]\n        }\n        invoke: [{ reference: self.id, action: record, input: {} }]\n      }\n      action record {\n        from: paid, to: paid, actor: { parent: current() }\n        requires self.held.balance == \"0\"\n        calculate: [{ target: principalReturned, op: aggregate, selection: { instrument: principal_piece, reference: \"payment\", anchor: self.id, states: [paid], limit: 366 }, measure: { sum: \"amount\" } }, { target: profitReturned, op: aggregate, selection: { instrument: profit_piece, reference: \"payment\", anchor: self.id, states: [paid], limit: 366 }, measure: { sum: \"amount\" } }]\n        invoke: [{ reference: self.plan, action: record_payment, input: { identity: { field: self.paymentIdentity }, principal: { field: self.principalReturned }, profit: { field: self.profitReturned } } }]\n      }\n      action refund {\n        from: paid, to: refunded, actor: { party: capital }\n        requires unique \"settlement_consumption\" on [self.plan, self.paymentIdentity]; requires self.plan in [active, paid]\n        requires count of { instrument: settlement, reference: \"plan\", anchor: self.plan, states: [recorded], limit: 366, where: { identity: { field: self.paymentIdentity } } } == 1\n        invoke: [{ selection: { instrument: settlement, reference: \"plan\", anchor: self.plan, states: [recorded], limit: 366, where: { identity: { field: self.paymentIdentity } } }, action: refund, input: {} }]\n        when apply is fines_profit_principal {\n          invoke: [{ selection: { instrument: all(financing.late_charge), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366, order: [overdueAt] }, action: refund, input: { payment: { field: self.id } } }, { selection: { instrument: all(financing.late_charge.cost), reference: \"plan\", anchor: self.plan, states: [assessed, collected], limit: 366, order: [overdueAt] }, action: refund, input: { payment: { field: self.id } } }]\n        }\n        invoke: [{ reference: self.plan, action: restore, input: {} }, { selection: { instrument: slice, reference: \"plan\", anchor: self.plan, states: [pending, due, paid], limit: 366 }, action: restore, input: {} }, { selection: { instrument: principal_piece, reference: \"payment\", anchor: self.id, states: [paid], limit: 366 }, action: refund, input: {} }, { selection: { instrument: profit_piece, reference: \"payment\", anchor: self.id, states: [paid], limit: 366 }, action: refund, input: {} }]\n      }\n    }\n    principal_piece: {\n      fields { slice: ref<slice>, payment: ref<payment>, limit: money, amount: money? }\n      lifecycle { states: [paid, refunded], initial: paid }\n      action create { allowZero: true,\n        calculate: [{ target: amount, op: minimum, values: [{ field: self.payment.held.balance }, { field: self.slice.principalReceivable.balance }, { field: self.limit }] }]\n        actor: { parent: slice }\n        input { slice: ref<slice>, payment: ref<payment>, limit: money }\n        requires unique \"principal_receipt\" on [self.slice, self.payment]\n        moves self.amount from self.payment.held to self.slice.plan.capital; moves self.amount from self.slice.principalReceivable to self.slice.debt\n      }\n      action refund { allowZero: true,\n        from: paid, to: refunded, actor: { parent: payment }\n        moves self.amount from self.slice.plan.capital to self.slice.plan.borrower; moves self.amount from self.slice.debt to self.slice.principalReceivable\n      }\n    }\n    profit_piece: {\n      fields { slice: ref<slice>, payment: ref<payment>, limit: money, amount: money? }\n      lifecycle { states: [paid, refunded], initial: paid }\n      action create { allowZero: true,\n        calculate: [{ target: amount, op: minimum, values: [{ field: self.payment.held.balance }, { field: self.limit }] }]\n        actor: { parent: slice }\n        input { slice: ref<slice>, payment: ref<payment>, limit: money }\n        requires unique \"profit_receipt\" on [self.slice, self.payment]\n        moves self.amount from self.payment.held to self.slice.plan.profitIncome\n        when profit_earned is on_payment { moves self.amount from self.slice.profitReceivable to self.slice.debt }\n        when profit_earned is by_schedule { moves self.amount from self.slice.profitEarned to self.slice.debt }\n        when profit_earned is at_disbursement { moves self.amount from self.slice.profitEarned to self.slice.debt }\n      }\n      action refund { allowZero: true,\n        from: paid, to: refunded, actor: { parent: payment }\n        moves self.amount from self.slice.plan.profitIncome to self.slice.plan.borrower\n        when profit_earned is on_payment { moves self.amount from self.slice.debt to self.slice.profitReceivable }\n        when profit_earned is by_schedule { moves self.amount from self.slice.debt to self.slice.profitEarned }\n        when profit_earned is at_disbursement { moves self.amount from self.slice.debt to self.slice.profitEarned }\n      }\n    }\n  }\n}\n\ninstrument late_charge(on: ref<financing.installments>[], grace: duration = 3d, fine: money = 50 SAR, cap: money = 25 SAR, fines_to: party = programOperator, costs_to: party = programOperator, borrower: party = party(person)) {\n  parameterDiagnostics {\n    fine {\n      accepts: \"a fixed amount\"\n      percentage: \"a percentage of overdue debt\"\n      fix: \"Use a fixed amount only if that is the intended policy. A percentage charge needs an authored rate calculation; do not approximate it with a cash amount.\"\n    }\n  }\n  revisioned: true\n  familyRevision: 1\n  summary: \"Separate approved fine and evidenced recovery claims on an overdue installment.\"\n  fields {\n    plan: ref<on>, slice: ref<on.slice>, borrower: account of borrower, fine: money = fine, overdueAt: date?\n    receivable: account(self, claim), debt: account(borrower, claim, contra, \"debt\")\n  }\n  lifecycle { states: [proposed, assessed, collected, waived, refunded], initial: proposed }\n  action create { calculate: [{ target: overdueAt, op: shift, date: { field: self.slice.dueAt }, milliseconds: { literal: grace }, direction: after }], requires unique \"late_assessment\" on [self.slice, self.overdueAt]; requires self.borrower == self.slice.plan.borrower; requires self.plan == self.slice.plan }\n  action assess { allowZero: true,\n    from: proposed, to: assessed, actor: clock, due: { at: self.overdueAt }\n    requires self.slice.principalReceivable.balance > \"0\"\n    moves self.fine from self.debt to self.receivable\n  }\n  action collect {\n    from: [assessed, collected], to: assessed, actor: { parent: child(on, slice) }, input { payment: ref<on.payment> }\n    requires input.payment in [paid]\n    requires input.payment.plan == self.plan\n    invoke: [{ instrument: receipt, action: create, input: { assessment: { field: self.id }, payment: { field: input.payment } } }, { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [assessed], limit: 1, where: { id: { field: self.id }, receivable.balance: { literal: \"0\" } } }, action: finish, input: {} }]\n  }\n  action payoff { allowZero: true,\n    from: [assessed, collected], to: collected, actor: { parent: on }\n    requires self.plan in [paid]\n    moves self.receivable.balance from self.plan.borrower to fines_to\n    moves self.receivable.balance from self.receivable to self.debt\n  }\n  action finish { from: assessed, to: collected, actor: { parent: current() }, requires self.receivable.balance == \"0\" }\n  action cancel { from: proposed, to: waived }\n  action waive_for_amendment {\n    from: [assessed, collected], to: assessed, actor: { parent: child(on, amendment) }, input { amendment: ref<on.amendment> }\n    requires input.amendment.plan == self.plan; requires input.amendment in [applied]\n    invoke: [{ instrument: waiver, action: create, input: { assessment: { field: self.id }, amendment: { field: input.amendment } } }]\n  }\n  action waive { allowZero: true, from: [assessed, collected], to: waived, actor: { parent: waiver_request }, input { reason: text, evidence: text }, moves self.receivable.balance from self.receivable to self.debt }\n  action refund {\n    from: [assessed, collected], to: assessed, actor: { party: fines_to }, input { payment: ref<on.payment> }\n    requires input.payment in [paid, refunded]\n    requires input.payment.plan == self.plan\n    invoke: [{ selection: { instrument: receipt, reference: \"payment\", anchor: input.payment, states: [paid], limit: 1, where: { assessment: { field: self.id } } }, action: refund, input: {} }, { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [assessed], limit: 1, where: { id: { field: self.id }, receivable.balance: { literal: \"0\" } } }, action: finish, input: {} }]\n  }\n  records {\n    waiver_request: {\n      fields { assessment: ref<parent>, reason: text, evidence: text }\n      lifecycle { states: [requested, applied, cancelled], initial: requested }\n      action create { requires self.assessment in [assessed, collected] }\n      action apply {\n        from: requested, to: applied, actor: { party: fines_to }, input { reason: text, evidence: text }\n        invoke: [{ reference: self.assessment, action: waive, input: { reason: { field: input.reason }, evidence: { field: input.evidence } } }]\n      }\n      action cancel { from: requested, to: cancelled }\n    }\n    waiver: {\n      fields { assessment: ref<parent>, amendment: ref<on.amendment>, amount: money? }\n      lifecycle { states: [recorded], initial: recorded }\n      action create { allowZero: true,\n        actor: { parent: parent }, input { assessment: ref<parent>, amendment: ref<on.amendment> }\n        calculate: [{ target: amount, op: rate, base: { field: self.assessment.receivable.balance }, bps: { field: self.amendment.waiverPercent }, rounding: floor }]\n        requires unique \"amendment_waiver\" on [self.assessment, self.amendment]\n        moves self.amount from self.assessment.receivable to self.assessment.debt\n      }\n    }\n    receipt: {\n      fields { assessment: ref<parent>, payment: ref<on.payment>, amount: money? }\n      lifecycle { states: [paid, refunded], initial: paid }\n      action create { allowZero: true, calculate: [{ target: amount, op: minimum, values: [{ field: self.payment.held.balance }, { field: self.assessment.receivable.balance }] }], actor: { parent: parent }, input { assessment: ref<parent>, payment: ref<on.payment> }, requires input.payment.plan == self.assessment.plan; requires unique \"fine_receipt\" on [self.assessment, self.payment]; moves self.amount from self.payment.held to fines_to; moves self.amount from self.assessment.receivable to self.assessment.debt }\n      action refund { allowZero: true, from: paid, to: refunded, actor: { parent: parent }, moves self.amount from fines_to to self.payment.plan.borrower; moves self.amount from self.assessment.debt to self.assessment.receivable }\n    }\n\n    cost: {\n      revisioned: true\n      fields {\n        plan: ref<on>, assessment: ref<parent>, overdueAt: date?, evidence: text, evidencedCost: money, amount: money = minimum(self.evidencedCost, cap)\n        receivable: account(self, claim), debt: account(borrower, claim, contra, \"debt\")\n      }\n      lifecycle { states: [proposed, assessed, collected, waived, refunded], initial: proposed }\n      action create { calculate: [{ target: overdueAt, op: shift, date: { field: self.assessment.overdueAt }, milliseconds: { literal: 0 }, direction: after }], requires unique \"recovery_assessment\" on [self.assessment]; requires self.plan == self.assessment.plan }\n      action assess { allowZero: true,\n        from: proposed, to: assessed, actor: clock, due: { at: self.assessment.overdueAt }\n        requires self.assessment.slice.principalReceivable.balance > \"0\"\n        moves self.amount from self.debt to self.receivable\n      }\n      action collect {\n        from: [assessed, collected], to: assessed, actor: { parent: child(on, slice) }, input { payment: ref<on.payment> }\n        requires input.payment in [paid]\n        requires input.payment.plan == self.plan\n        invoke: [{ instrument: receipt, action: create, input: { assessment: { field: self.id }, payment: { field: input.payment } } }, { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [assessed], limit: 1, where: { id: { field: self.id }, receivable.balance: { literal: \"0\" } } }, action: finish, input: {} }]\n      }\n      action payoff { allowZero: true,\n        from: [assessed, collected], to: collected, actor: { parent: on }\n        requires self.plan in [paid]\n        moves self.receivable.balance from self.plan.borrower to costs_to\n        moves self.receivable.balance from self.receivable to self.debt\n      }\n      action finish { from: assessed, to: collected, actor: { parent: current() }, requires self.receivable.balance == \"0\" }\n      action cancel { from: proposed, to: waived }\n      action waive_for_amendment {\n        from: [assessed, collected], to: assessed, actor: { parent: child(on, amendment) }, input { amendment: ref<on.amendment> }\n        requires input.amendment.plan == self.plan; requires input.amendment in [applied]\n        invoke: [{ instrument: waiver, action: create, input: { assessment: { field: self.id }, amendment: { field: input.amendment } } }]\n      }\n      action waive { allowZero: true, from: [assessed, collected], to: waived, actor: { parent: waiver_request }, input { reason: text, evidence: text }, moves self.receivable.balance from self.receivable to self.debt }\n      action refund {\n        from: [assessed, collected], to: assessed, actor: { party: costs_to }, input { payment: ref<on.payment> }\n        requires input.payment in [paid, refunded]\n        requires input.payment.plan == self.plan\n        invoke: [{ selection: { instrument: receipt, reference: \"payment\", anchor: input.payment, states: [paid], limit: 1, where: { assessment: { field: self.id } } }, action: refund, input: {} }, { selection: { instrument: current(), reference: \"plan\", anchor: self.plan, states: [assessed], limit: 1, where: { id: { field: self.id }, receivable.balance: { literal: \"0\" } } }, action: finish, input: {} }]\n      }\n      records {\n        waiver_request: {\n          fields { assessment: ref<parent>, reason: text, evidence: text }\n          lifecycle { states: [requested, applied, cancelled], initial: requested }\n          action create { requires self.assessment in [assessed, collected] }\n          action apply {\n            from: requested, to: applied, actor: { party: costs_to }, input { reason: text, evidence: text }\n            invoke: [{ reference: self.assessment, action: waive, input: { reason: { field: input.reason }, evidence: { field: input.evidence } } }]\n          }\n          action cancel { from: requested, to: cancelled }\n        }\n        waiver: {\n          fields { assessment: ref<parent>, amendment: ref<on.amendment>, amount: money? }\n          lifecycle { states: [recorded], initial: recorded }\n          action create { allowZero: true,\n            actor: { parent: parent }, input { assessment: ref<parent>, amendment: ref<on.amendment> }\n            calculate: [{ target: amount, op: rate, base: { field: self.assessment.receivable.balance }, bps: { field: self.amendment.waiverPercent }, rounding: floor }]\n            requires unique \"amendment_waiver\" on [self.assessment, self.amendment]\n            moves self.amount from self.assessment.receivable to self.assessment.debt\n          }\n        }\n        receipt: {\n          fields { assessment: ref<parent>, payment: ref<on.payment>, amount: money? }\n          lifecycle { states: [paid, refunded], initial: paid }\n          action create { allowZero: true, calculate: [{ target: amount, op: minimum, values: [{ field: self.payment.held.balance }, { field: self.assessment.receivable.balance }] }], actor: { parent: parent }, input { assessment: ref<parent>, payment: ref<on.payment> }, requires input.payment.plan == self.assessment.plan; requires unique \"cost_receipt\" on [self.assessment, self.payment]; moves self.amount from self.payment.held to costs_to; moves self.amount from self.assessment.receivable to self.assessment.debt }\n          action refund { allowZero: true, from: paid, to: refunded, actor: { parent: parent }, moves self.amount from costs_to to self.payment.plan.borrower; moves self.amount from self.assessment.debt to self.assessment.receivable }\n        }\n      }\n    }\n  }\n}\n\ninstrument limits(per_borrower: money, borrower: party = party(person), active_plans: integer = 1) {\n  familyRevision: 1\n  summary: \"One outstanding balance ceiling per borrower.\"\n  fields { borrower: account of borrower, limit: money = per_borrower, activePlans: integer = active_plans }\n  lifecycle { states: [pending, approved], initial: pending }\n  action create { requires unique \"borrower_limit\" on [self.borrower] }\n  action approve { from: pending, to: approved }\n}\n\ninstrument portfolio_limit(limit: money) {\n  familyRevision: 1\n  summary: \"One shared ceiling on the principal the product may hold.\"\n  fields { key: text = \"portfolio\", limit: money = limit }\n  lifecycle { states: [pending, approved], initial: pending }\n  action create { requires unique \"portfolio_limit\" on [self.key] }\n  action approve { from: pending, to: approved }\n}\n\ninstrument credit_line(borrower: party = programOperator, adapter: text, limit: money, expires: date) {\n  familyRevision: 1\n  summary: \"A revolving facility from an outside lender; each draw is a separate immutable advance.\"\n  fields { borrower: account of borrower, facility: account(borrower, cash, \"facility\"), debt: account(borrower, claim, contra, \"debt\"), limit: money = limit, expiresAt: date = expires }\n  lifecycle { states: [pending, active, suspended, closed], initial: pending }\n  action create {}\n  action activate {\n    from: pending, to: active, actor: { party: borrower }\n    subject { adapter: adapter }\n  }\n  action suspend { from: active, to: suspended, actor: { party: borrower } }\n  action resume { from: suspended, to: active, actor: { party: borrower } }\n  action close { from: [active, suspended], to: closed, due: { at: self.expiresAt }, requires count of { instrument: all(financing.advance), reference: \"line\", anchor: self.id, states: [drawn], limit: 366 } == 0 }\n}\n\ninstrument advance(line: ref<financing.credit_line>, amount: money = runtime) {\n  familyRevision: 1\n  summary: \"A single facility draw with an immutable principal and full repayment.\"\n  fields { line: ref<line>, amount: money = amount, principalReceivable: account(self, claim) }\n  lifecycle { states: [pending, drawn, repaid, cancelled], initial: pending }\n  action create { requires self.amount <= self.line.limit }\n  invariants sum \"principalReceivable.balance\" of { instrument: all(financing.advance), reference: \"line\", anchor: self.line, states: [drawn], limit: 366 } <= self.line.limit\n  action draw {\n    from: pending, to: drawn\n    requires self.line in [active]\n    deadline: { at: self.line.expiresAt }\n    moves self.amount from self.line.facility to self.line.borrower; moves self.amount from self.line.debt to self.principalReceivable\n  }\n  action repay { from: drawn, to: repaid, moves self.amount from self.line.borrower to self.line.facility; moves self.amount from self.principalReceivable to self.line.debt }\n  action cancel { from: pending, to: cancelled }\n}\n"],
-    ["insurance.hsx", "header insurance\n\ninstrument cover(holder: party, adapter: text, commission: percent = 0%, covers: ref, premium: money = runtime) {\n  summary: \"Recurring cover bound to an outside insurer across an ADL boundary.\"\n  fields { covers: ref<covers>, holder: account of holder, expiresAt: date }\n  lifecycle { states: [pending, active, cancelled, expired], initial: pending }\n  action create {}\n  action activate {\n    from: pending, to: active, actor: { party: programOperator }\n    subject { adapter: adapter }\n  }\n  action cancel {\n    from: active, to: cancelled, actor: { party: holder }\n    invoke: [{ selection: { instrument: slice, reference: \"cover\", anchor: self.id, states: [paid], limit: 366 }, action: refund, input: {} }]\n  }\n  action expire { from: active, to: expired, actor: clock, due: { at: self.expiresAt } }\n  records {\n    slice: {\n      summary: \"A whole premium period, collected once and refundable only before it starts.\"\n      fields {\n        cover: ref<parent>, covers: ref<covers>, premium: money = premium, startsAt: date, endsAt: date\n        commission: money = rate(self.premium, commission)\n      }\n      lifecycle { states: [pending, paid, active, expired, refunded], initial: pending }\n      action create {\n        requires self.covers == self.cover.covers\n        requires self.startsAt < self.endsAt\n        requires unique \"premium_period\" on [self.cover, self.startsAt, self.endsAt]\n      }\n      action collect {\n        from: pending, to: paid, actor: { party: holder }\n        requires self.cover in [active]\n        moves self.premium from holder to programOperator\n      }\n      action start { from: paid, to: active, actor: clock, due: { at: self.startsAt } }\n      action expire { from: active, to: expired, actor: clock, due: { at: self.endsAt } }\n      action refund {\n        from: paid, to: refunded, actor: { parent: parent }, deadline: { at: self.startsAt }\n        moves self.premium from programOperator to holder\n      }\n    }\n  }\n}\n\ninstrument claim(cover: ref<insurance.cover>, inspector: party) {\n  summary: \"A claim decision reserves one claim payment before settlement.\"\n  fields { cover: ref<cover>, amount: money, expiresAt: date, evidence: text, reservation: text? }\n  lifecycle { states: [submitted, approved, paid, denied, expired], initial: submitted }\n  action create { requires self.cover in [active] }\n  action approve {\n    from: submitted, to: approved\n    actor: { party: inspector }\n    deadline: { at: self.expiresAt }\n    moves reserve self.amount from programOperator to self.cover.holder capture \"reservation\"\n  }\n  action pay { from: approved, to: paid, actor: { party: inspector }, deadline: { at: self.expiresAt }, moves post self.reservation }\n  action deny { from: submitted, to: denied, actor: { party: inspector } }\n  action expire { from: approved, to: expired, actor: clock, due: { at: self.expiresAt }, moves void self.reservation }\n}\n"],
+    ["insurance.hsx", "header insurance\n\ninstrument cover(holder: party, adapter: text, commission: percent = 0%, covers: ref, premium: money = runtime) {\n  summary: \"Recurring cover bound to an outside insurer across an ADL boundary.\"\n  fields { covers: ref<covers>, holder: account of holder, insurer: account(adapter(adapter), cash, \"premium\"), expiresAt: date }\n  lifecycle { states: [pending, active, cancelled, expired], initial: pending }\n  action create {}\n  action activate {\n    from: pending, to: active, actor: { party: programOperator }\n    subject { adapter: adapter }\n  }\n  action cancel {\n    from: active, to: cancelled, actor: { party: holder }\n    invoke: [{ selection: { instrument: slice, reference: \"cover\", anchor: self.id, states: [paid], limit: 366 }, action: refund, input: {} }]\n  }\n  action expire { from: active, to: expired, actor: clock, due: { at: self.expiresAt } }\n  records {\n    slice: {\n      summary: \"A whole premium period, collected once and refundable only before it starts.\"\n      fields {\n        cover: ref<parent>, covers: ref<covers>, premium: money = premium, startsAt: date, endsAt: date\n        commission: money = rate(self.premium, commission)\n        insurerPremium: money = subtract(self.premium, self.commission)\n      }\n      lifecycle { states: [pending, paid, active, expired, refunded], initial: pending }\n      action create {\n        requires self.covers == self.cover.covers\n        requires self.startsAt < self.endsAt\n        requires unique \"premium_period\" on [self.cover, self.startsAt, self.endsAt]\n      }\n      action collect {\n        allowZero: true\n        requires self.premium > \"0\"\n        from: pending, to: paid, actor: { party: holder }\n        requires self.cover in [active]\n        moves self.premium from holder to programOperator\n        moves self.insurerPremium from programOperator to self.cover.insurer\n      }\n      action start { from: paid, to: active, actor: clock, due: { at: self.startsAt } }\n      action expire { from: active, to: expired, actor: clock, due: { at: self.endsAt } }\n      action refund {\n        allowZero: true\n        requires self.premium > \"0\"\n        from: paid, to: refunded, actor: { parent: parent }, deadline: { at: self.startsAt }\n        moves self.insurerPremium from self.cover.insurer to programOperator\n        moves self.premium from programOperator to holder\n      }\n    }\n  }\n}\n\ninstrument claim(cover: ref<insurance.cover>, inspector: party) {\n  summary: \"A claim decision reserves one claim payment before settlement.\"\n  fields { cover: ref<cover>, amount: money, expiresAt: date, evidence: text, reservation: text? }\n  lifecycle { states: [submitted, approved, paid, denied, expired], initial: submitted }\n  action create { requires self.cover in [active] }\n  action approve {\n    from: submitted, to: approved\n    actor: { party: inspector }\n    deadline: { at: self.expiresAt }\n    moves reserve self.amount from self.cover.insurer to self.cover.holder capture \"reservation\"\n  }\n  action pay { from: approved, to: paid, actor: { party: inspector }, deadline: { at: self.expiresAt }, moves post self.reservation }\n  action deny { from: submitted, to: denied, actor: { party: inspector } }\n  action expire { from: approved, to: expired, actor: clock, due: { at: self.expiresAt }, moves void self.reservation }\n}\n"],
     ["lending.hsx", "header lending\n\ninstrument round(borrower: party, plan: ref<financing.installments> = object(financing.installments), operator: party = programOperator, minimum_ticket: money = 100 SAR, investor_cap: percent = 20%, commitments: ref<lending.commitment> = object(lending.commitment)) {\n  summary: \"A threshold funding round; failed rounds return each original wallet contribution.\"\n  fields {\n    borrower: account of borrower, plan: ref<plan>, price: money = self.plan.principal, closesAt: date\n    minimumTicket: money = minimum_ticket, maximumTicket: money = rate(self.price, investor_cap)\n    held: account of self\n  }\n  lifecycle { states: [open, funded, failed], initial: open }\n  action create { requires unique \"funding_plan\" on [self.plan]; requires self.borrower == self.plan.borrower }\n  action close {\n    from: open, to: funded, actor: { party: operator }\n    requires sum \"amount\" of { instrument: commitments, reference: \"round\", anchor: self.id, states: [committed], limit: 366 } == self.price\n    requires self.held.balance == self.price\n    moves self.price from self.held to self.plan.capital\n    invoke: [{ selection: { instrument: commitments, reference: \"round\", anchor: self.id, states: [committed], limit: 366 }, action: fund, input: {} }]\n  }\n  action fail {\n    from: open, to: failed, actor: clock, due: { at: self.closesAt }\n    requires self.held.balance < self.price\n    invoke: [{ selection: { instrument: commitments, reference: \"round\", anchor: self.id, states: [committed], limit: 366 }, action: refund, input: {} }]\n  }\n}\n\ninstrument commitment(round: ref<lending.round>, wallet: ref<wallet.balance>, investor: party = party(person)) {\n  summary: \"One investor's original-wallet contribution, capped cumulatively within the round.\"\n  fields { round: ref<round>, wallet: ref<wallet>, investor: account of investor, amount: money, loss: account(investor, claim, \"loss\") }\n  lifecycle { states: [committed, funded, withdrawn, refunded], initial: committed }\n  invariants sum \"amount\" of { instrument: all(lending.commitment), reference: \"round\", anchor: self.round, states: [committed, funded], limit: 366, where: { investor: { field: self.investor } } } <= self.round.maximumTicket\n  invariants sum \"amount\" of { instrument: all(lending.commitment), reference: \"round\", anchor: self.round, states: [committed, funded], limit: 366 } <= self.round.price\n  action create {\n    actor: { party: investor }\n    requires self.round in [open]\n    requires self.wallet in [active]\n    requires self.wallet.holder == self.investor\n    requires self.amount >= self.round.minimumTicket\n    deadline: { at: self.round.closesAt }\n    moves self.amount from self.wallet.held to self.round.held\n  }\n  action fund { from: committed, to: funded, actor: { parent: round } }\n  action withdraw {\n    from: committed, to: withdrawn, actor: { party: investor }\n    requires self.round in [open]\n    deadline: { at: self.round.closesAt }\n    moves self.amount from self.round.held to self.wallet.held\n  }\n  action refund {\n    from: committed, to: refunded, actor: { parent: round }\n    moves self.amount from self.round.held to self.wallet.held\n  }\n}\n\ninstrument distribution(round: ref<lending.round>, receipt: ref, commitments: ref<lending.commitment> = object(lending.commitment), mode: enum(cash, loss) = cash, residual_to: party = programOperator, operator: party = programOperator, fee: percent = 1%, tax: percent = 15%) {\n  summary: \"Frozen weighted shares, floored once, with residual assigned to the chosen party.\"\n  fields {\n    round: ref<round>, source: ref<receipt>, mode: enum(cash, loss) = mode\n    principal: money?, profit: money?, grossTotal: money?, charge: money?, vat: money?, net: money?\n    held: account of self, losses: account(self, claim), residualLoss: account(residual_to, claim, \"loss\")\n  }\n  lifecycle { states: [pending, cash_ready, loss_ready, distributed], initial: pending }\n  action create { requires self.round in [funded]; requires self.source in [recorded]; requires self.source.plan == self.round.plan; requires unique \"settlement_consumption\" on [self.source.plan, self.source.identity] }\n  action prepare_cash {\n    from: pending, to: cash_ready\n    requires self.mode == \"cash\"; requires self.source.kind == \"cash\"; requires self.source in [recorded]\n    calculate: [\n      { target: \"principal\", op: \"sum\", values: [{ field: self.source.principal }] }\n      { target: \"profit\", op: \"sum\", values: [{ field: self.source.retainedProfit }] }\n      { target: \"charge\", op: \"rate\", base: { field: self.profit }, bps: { literal: fee }, rounding: \"floor\" }\n      { target: \"vat\", op: \"rate\", base: { field: self.charge }, bps: { literal: tax }, rounding: \"floor\" }\n      { target: \"grossTotal\", op: \"sum\", values: [{ field: self.principal }, { field: self.profit }] }\n      { target: \"net\", op: \"subtract\", base: { field: self.grossTotal }, subtract: [{ field: self.charge }, { field: self.vat }] }\n    ]\n  }\n  action prepare_loss {\n    from: pending, to: loss_ready\n    requires self.mode == \"loss\"; requires self.source.kind == \"loss\"; requires self.source in [recorded]\n    calculate: [{ target: \"net\", op: \"sum\", values: [{ field: self.source.loss }] }]\n  }\n  action distribute_cash { allowZero: true,\n    from: cash_ready, to: distributed, actor: { party: operator }\n    requires sum \"weight\" of { instrument: share, reference: \"distribution\", anchor: self.id, states: [pending], limit: 366 } == self.round.price\n    moves self.principal from self.source.capital to self.held; moves self.profit from self.source.profitIncome to self.held; moves self.charge from self.held to programOperator; moves self.vat from self.held to programTax\n    invoke: [{ selection: { instrument: share, reference: \"distribution\", anchor: self.id, states: [pending], limit: 366 }, action: cash, input: {} }, { reference: self.id, action: residual_cash, input: {} }]\n  }\n  action residual_cash { allowZero: true,\n    from: distributed, to: distributed, actor: { parent: current() }\n    moves self.held.balance from self.held to residual_to\n  }\n  action distribute_loss { allowZero: true,\n    from: loss_ready, to: distributed, actor: { party: operator }\n    requires sum \"weight\" of { instrument: share, reference: \"distribution\", anchor: self.id, states: [pending], limit: 366 } == self.round.price\n    moves self.net from self.source.lossAccount to self.losses\n    invoke: [{ selection: { instrument: share, reference: \"distribution\", anchor: self.id, states: [pending], limit: 366 }, action: loss, input: {} }, { reference: self.id, action: residual_loss, input: {} }]\n  }\n  action residual_loss { allowZero: true,\n    from: distributed, to: distributed, actor: { parent: current() }\n    moves self.losses.balance from self.losses to self.residualLoss\n  }\n  records {\n    share: {\n      fields {\n        distribution: ref<parent>, commitment: ref<commitments>\n        weight: money = self.commitment.amount\n        gross: money = ratio(self.distribution.net, self.weight, self.distribution.round.price)\n      }\n      lifecycle { states: [pending, paid], initial: pending }\n      action create { requires self.distribution in [cash_ready, loss_ready]; requires self.commitment in [funded]; requires unique \"distribution_weight\" on [self.distribution, self.commitment]; requires self.commitment.round == self.distribution.round }\n      action cash { allowZero: true,\n        from: pending, to: paid, actor: { parent: parent }\n        moves self.gross from self.distribution.held to self.commitment.wallet.held\n      }\n      action loss { allowZero: true, from: pending, to: paid, actor: { parent: parent }, moves self.gross from self.distribution.losses to self.commitment.loss }\n    }\n  }\n}\n"],
     ["marketplace.hsx", "header marketplace\n\ninstrument listing(seller: party) {\n  revisioned: true\n  summary: \"A seller's offer and its asking price.\"\n  fields { seller: account of seller, title: text, price: money }\n  lifecycle { states: [draft, active, withdrawn, sold], initial: draft }\n  action create { actor: { party: seller } }\n  action publish {\n    from: draft, to: active, actor: { party: seller }\n  }\n  action withdraw { from: active, to: withdrawn, actor: { party: seller }, requires count of { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.id, states: [active], limit: 366 } == 0 }\n  action sell { from: active, to: sold, actor: { party: seller }, requires count of { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.id, states: [active], limit: 366 } == 0 }\n}\n\ninstrument order(listing: ref<marketplace.listing>, buyer: party) {\n  revisioned: true\n  summary: \"A buyer's order for one listing at its declared price.\"\n  fields { listing: ref<listing>, buyer: account of buyer, price: money, reservations: integer?, ownReservations: integer?, blockingQuotes: integer?, ownBlockingQuotes: integer? }\n  lifecycle { states: [quoted, placed, fulfilled, cancelled], initial: quoted }\n  action create {\n    actor: { party: buyer }\n    requires self.listing in [active]\n    calculate: [\n      { target: blockingQuotes, op: aggregate, selection: { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.listing, states: [active], limit: 366, where: { quotePolicy: { literal: \"blocked\" } } }, measure: count }\n      { target: ownBlockingQuotes, op: aggregate, selection: { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.listing, states: [active], limit: 366, where: { quotePolicy: { literal: \"blocked\" }, buyer: { field: self.buyer } } }, measure: count }\n    ]\n    requires self.blockingQuotes == self.ownBlockingQuotes\n    requires self.price == self.listing.price\n  }\n  action commit {\n    from: [quoted, placed], to: placed\n    requires self.listing in [active]\n    calculate: [\n      { target: reservations, op: aggregate, selection: { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.listing, states: [active], limit: 366 }, measure: count }\n      { target: ownReservations, op: aggregate, selection: { instrument: all(marketplace.reservation), reference: \"listing\", anchor: self.listing, states: [active], limit: 366, where: { buyer: { field: self.buyer } } }, measure: count }\n    ]\n    requires self.reservations == self.ownReservations\n    requires count of { instrument: current(), reference: \"listing\", anchor: self.listing, states: [placed, fulfilled], limit: 366 } <= 1\n  }\n  invariants count of { instrument: current(), reference: \"listing\", anchor: self.listing, states: [placed, fulfilled], limit: 366 } <= 1\n  action fulfill { from: placed, to: fulfilled }\n  action cancel { from: [quoted, placed], to: cancelled, actor: { party: buyer } }\n}\n\ninstrument reservation(listing: ref<marketplace.listing>, funds: ref<escrow.hold>, plans: ref<financing.installments>[], converters: ref[], buyer: party, seller: party, expires_after: duration = 48h, deposit: money = 1000 SAR, cancellation_refund: percent = 100%, expiry_refund: percent = 100%, retained_to: party = programOperator, operator: party = programOperator, competing_quotes: enum(allowed, blocked) = allowed) {\n  revisioned: true\n  summary: \"Exclusive timed listing hold with explicit deposit credit and refund.\"\n  fields {\n    listing: ref<listing>, funds: ref<funds>, buyer: account of buyer, seller: account of seller, price: money, terms: text\n    held: account of self, quotePolicy: enum(allowed, blocked) = competing_quotes, deposit: money = deposit, proposalExpiresAt: date = after(self.createdAt, expires_after), expiresAt: date?\n    credit: money?, refund: money?, retained: money?, dispositionAt: date?, reason: text?\n  }\n  lifecycle { states: [proposed, active, converted, cancelled, expired], initial: proposed }\n  invariants count of { instrument: current(), reference: \"listing\", anchor: self.listing, states: [active], limit: 366 } <= 1\n  action create { actor: { party: buyer }, requires self.listing in [active]; requires self.seller == self.listing.seller; requires self.price == self.listing.price }\n  action activate {\n    from: proposed, to: active, actor: { party: buyer }, deadline: { at: self.proposalExpiresAt }\n    calculate: [{ target: expiresAt, op: shift, date: { field: self.now }, milliseconds: { literal: expires_after }, direction: after }]\n    requires self.listing in [active]; requires self.price == self.listing.price\n    requires count of { instrument: all(marketplace.order), reference: \"listing\", anchor: self.listing, states: [placed, fulfilled], limit: 366 } == 0\n    moves self.deposit from self.buyer to self.held\n  }\n  action convert_financed {\n    from: active, to: active, actor: { party: buyer }, deadline: { at: self.expiresAt }\n    input { plan: ref<plans> }\n    requires input.plan.funds == self.funds; requires input.plan.borrower == self.buyer\n    invoke: [{ reference: input.plan, action: disburse, input: {} }]\n  }\n  action convert_cash {\n    from: active, to: active, actor: { party: buyer }, deadline: { at: self.expiresAt }\n    invoke: [{ reference: self.funds, action: fund, input: {} }]\n  }\n  action credit { allowZero: true,\n    from: active, to: converted, actor: { parent: converters }, deadline: { at: self.expiresAt }\n    input { funds: ref<funds>, contribution: money }\n    requires input.funds == self.funds; requires input.funds in [pending, funded]; requires input.funds.payer == self.buyer; requires input.funds.price == self.price\n    requires input.contribution <= self.price\n    calculate: [{ target: credit, op: minimum, values: [{ field: self.held.balance }, { field: input.contribution }] }, { target: refund, op: subtract, base: { field: self.held.balance }, subtract: [{ field: self.credit }] }]\n    set: { dispositionAt: { field: self.now } }\n    moves self.credit from self.held to input.funds.held\n    moves self.refund from self.held to self.buyer\n  }\n  action cancel { allowZero: true,\n    from: active, to: cancelled, actor: { party: buyer }, input { reason: text }\n    calculate: [{ target: refund, op: rate, base: { field: self.held.balance }, bps: { literal: cancellation_refund }, rounding: floor }, { target: retained, op: subtract, base: { field: self.held.balance }, subtract: [{ field: self.refund }] }]\n    set: { reason: { field: input.reason }, dispositionAt: { field: self.now } }\n    moves self.refund from self.held to self.buyer; moves self.retained from self.held to retained_to\n  }\n  action seller_cancel {\n    from: active, to: cancelled, actor: { party: seller }, input { reason: text }\n    set: { reason: { field: input.reason }, dispositionAt: { field: self.now } }\n    moves self.held.balance from self.held to self.buyer\n  }\n  action operator_cancel {\n    from: active, to: cancelled, actor: { party: operator }, input { reason: text }\n    set: { reason: { field: input.reason }, dispositionAt: { field: self.now } }\n    moves self.held.balance from self.held to self.buyer\n  }\n  action withdraw { from: proposed, to: cancelled, actor: { party: buyer } }\n  action expire { allowZero: true,\n    from: active, to: expired, actor: clock, due: { at: self.expiresAt }\n    calculate: [{ target: refund, op: rate, base: { field: self.held.balance }, bps: { literal: expiry_refund }, rounding: floor }, { target: retained, op: subtract, base: { field: self.held.balance }, subtract: [{ field: self.refund }] }]\n    set: { dispositionAt: { field: self.now } }\n    moves self.refund from self.held to self.buyer; moves self.retained from self.held to retained_to\n  }\n  action expire_proposal { from: proposed, to: expired, actor: clock, due: { at: self.proposalExpiresAt } }\n}\n"],
     ["money.hsx", "header money\n\ninstrument transfer(payer: party, payee: party, amount: money = runtime) {\n  summary: \"One transfer between the bound parties.\"\n  fields { amount: money = amount }\n  lifecycle { states: [pending, paid, cancelled], initial: pending }\n  action create { actor: { party: payer }, requires self.amount > \"0\" }\n  action pay {\n    from: pending, to: paid, actor: { party: payer }\n    moves self.amount from payer to payee\n  }\n  action cancel { from: pending, to: cancelled, actor: { party: payer } }\n}\n\ninstrument hold(payer: party, payee: party, amount: money = runtime) {\n  summary: \"Hold the declared amount until release or refund.\"\n  fields { payer: account of payer, payee: account of payee, amount: money = amount, price: money = self.amount, held: account of self }\n  lifecycle { states: [pending, funded, released, refunded, cancelled], initial: pending }\n  action create { }\n  action fund {\n    from: pending, to: funded, actor: { party: payer }\n    moves self.amount from payer to self.held\n  }\n  action confirm {\n    from: pending, to: funded\n    requires self.held.balance == self.amount\n  }\n  action release {\n    from: funded, to: released, actor: { party: payer }\n    moves self.amount from self.held to payee\n  }\n  action refund {\n    from: funded, to: refunded, actor: { party: payee }\n    moves self.amount from self.held to payer\n  }\n  action cancel { from: pending, to: cancelled }\n}\n\ninstrument split(payer: party, amount: money = runtime, shares: split = { programOperator: 100% }) {\n  summary: \"Split one amount; the last declared recipient receives the rounding remainder.\"\n  fields { amount: money = amount }\n  lifecycle { states: [pending, paid, cancelled], initial: pending }\n  action create {}\n  action pay { allowZero: true, requires self.amount > \"0\"; from: pending, to: paid, actor: { party: payer }, moves self.amount from payer shares shares }\n  action cancel { from: pending, to: cancelled }\n}\n\ninstrument schedule(payer: party, payee: party, amount: money = runtime, count: integer(1, 366) = 12) {\n  summary: \"A finite schedule whose dated pieces sum exactly to the declared total.\"\n  fields { amount: money = amount, count: integer = count, dates: list(date, count) }\n  lifecycle { states: [draft, active, complete, cancelled], initial: draft }\n  action create {}\n  action activate {\n    from: draft, to: active\n    requires count of { instrument: occurrence, reference: \"schedule\", anchor: self.id, states: [pending], limit: 366 } == self.count\n  }\n  action complete {\n    from: active, to: complete\n    requires count of { instrument: occurrence, reference: \"schedule\", anchor: self.id, states: [pending], limit: 366 } == 0\n  }\n  action cancel { from: [draft, active], to: cancelled }\n  records {\n    occurrence: {\n      fields {\n        schedule: ref<parent>, position: integer(1, count), dueAt: date = at(self.schedule.dates, self.position)\n        base: money = divide(self.schedule.amount, count)\n        allocated: money = multiply(self.base, count)\n        remainder: money = subtract(self.schedule.amount, self.allocated)\n        first: integer = divide(1, self.position)\n        adjustment: money = multiply(self.remainder, self.first)\n        amount: money = sum(self.base, self.adjustment)\n      }\n      lifecycle { states: [pending, paid, cancelled], initial: pending }\n      action create { requires self.schedule in [draft]; requires unique \"scheduled_position\" on [self.schedule, self.position] }\n      action pay { allowZero: true, from: pending, to: paid, actor: clock, due: { at: self.dueAt }, requires self.schedule in [active], moves self.amount from payer to payee }\n      action cancel { from: pending, to: cancelled, requires self.schedule in [cancelled] }\n    }\n  }\n}\n\ninstrument pool(payer: party, payee: party, target: money, closes: date) {\n  summary: \"Contributions fund one threshold or return to their original contributor.\"\n  fields { target: money = target, closesAt: date = closes, held: account of self }\n  lifecycle { states: [open, paid, failed], initial: open }\n  action create { }\n  action pay {\n    from: open, to: paid, actor: { party: payee }\n    requires self.held.balance == self.target\n    moves self.target from self.held to payee\n  }\n  action fail {\n    from: open, to: failed, actor: clock, due: { at: self.closesAt }\n    requires self.held.balance < self.target\n    invoke: [{ selection: { instrument: contribution, reference: \"pool\", anchor: self.id, states: [paid], limit: 366 }, action: refund, input: {} }]\n  }\n  records {\n    contribution: {\n      fields { pool: ref<parent>, payer: account of payer, amount: money, remaining: money? }\n      lifecycle { states: [pending, paid, refunded], initial: pending }\n      invariants count of { instrument: current(), reference: \"pool\", anchor: self.pool, states: [paid], limit: 366 } <= 366\n      action create { requires self.pool in [open] }\n      action pay { from: pending, to: paid, actor: { party: payer }, deadline: { at: self.pool.closesAt }, requires self.pool in [open], calculate: [{ target: remaining, op: subtract, base: { field: self.pool.target }, subtract: [{ field: self.pool.held.balance }] }], requires self.amount <= self.remaining, moves self.amount from self.payer to self.pool.held }\n      action refund { from: paid, to: refunded, actor: { parent: parent }, moves self.amount from self.pool.held to self.payer }\n    }\n  }\n}\n\ninstrument swap(first: party, second: party, first_amount: money, second_amount: money, expires: date) {\n  summary: \"Two reservations settle together or both return.\"\n  fields { firstAmount: money = first_amount, secondAmount: money = second_amount, expiresAt: date = expires, firstReceipt: text?, secondReceipt: text? }\n  lifecycle { states: [pending, first_ready, second_ready, both_ready, exchanged, cancelled], initial: pending }\n  action create {}\n  action fund_first { from: pending, to: first_ready, actor: { party: first }, deadline: { at: self.expiresAt }, moves reserve self.firstAmount from first to second capture \"firstReceipt\" }\n  action fund_second { from: first_ready, to: both_ready, actor: { party: second }, deadline: { at: self.expiresAt }, moves reserve self.secondAmount from second to first capture \"secondReceipt\" }\n  action start_second { from: pending, to: second_ready, actor: { party: second }, deadline: { at: self.expiresAt }, moves reserve self.secondAmount from second to first capture \"secondReceipt\" }\n  action finish_first { from: second_ready, to: both_ready, actor: { party: first }, deadline: { at: self.expiresAt }, moves reserve self.firstAmount from first to second capture \"firstReceipt\" }\n  action expire_second { from: second_ready, to: cancelled, actor: clock, due: { at: self.expiresAt }, moves void self.secondReceipt }\n  action exchange { from: both_ready, to: exchanged, actor: { party: first }, moves post self.firstReceipt; moves post self.secondReceipt }\n  action cancel { from: pending, to: cancelled }\n  action expire_first { from: first_ready, to: cancelled, actor: clock, due: { at: self.expiresAt }, moves void self.firstReceipt }\n  action expire_both { from: both_ready, to: cancelled, actor: clock, due: { at: self.expiresAt }, moves void self.firstReceipt; moves void self.secondReceipt }\n}\n\ninstrument payout(payer: party, payee: party, adapter: text, max_age: duration, amount: money = runtime) {\n  summary: \"Reserve funds until matching terminal boundary evidence permits posting.\"\n  fields { amount: money = amount, receipt: text? }\n  lifecycle { states: [pending, instructed, settled, rejected], initial: pending }\n  action create {}\n  action instruct {\n    from: pending, to: instructed, actor: { party: payer }\n    moves reserve self.amount from payer to payee capture \"receipt\" boundary adapter\n  }\n  action confirm {\n    from: instructed, to: settled\n    requires evidence self.id family boundary check outcome result confirmed maxAge max_age instruction self.receipt\n    moves post self.receipt\n  }\n  action reject {\n    from: instructed, to: rejected\n    requires evidence self.id family boundary check outcome result rejected maxAge max_age instruction self.receipt\n    moves void self.receipt\n  }\n}\n\ninstrument metered(payer: party, payee: party, unit_price: money, units: integer = 1, fee: fee = { seller: 0% }) {\n  summary: \"A unique usage event priced once at the fixed unit price.\"\n  fields { usageIdentity: text, unitPrice: money = unit_price, units: integer = units, amount: money = multiply(self.unitPrice, self.units) }\n  lifecycle { states: [recorded, billed, cancelled], initial: recorded }\n  action create { requires unique \"usage_event\" on [self.usageIdentity] }\n  action bill { allowZero: true, requires self.amount > \"0\"; from: recorded, to: billed, actor: { party: payee }, moves self.amount from payer to payee fee fee }\n  action cancel { from: recorded, to: cancelled }\n}\n"],

package/dist/src/std-bundle.js.map

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package/dist/src/version.d.ts

@@ -1,3 +1,3 @@
-export declare const HSX_VERSION = "5.1.0";
+export declare const HSX_VERSION = "5.2.0";
 export declare const HSX_TARGET_UDL_VERSION = 4;
 //# sourceMappingURL=version.d.ts.map

package/dist/src/version.js

@@ -1,3 +1,3 @@
-export const HSX_VERSION = "5.1.0";
+export const HSX_VERSION = "5.2.0";
 export const HSX_TARGET_UDL_VERSION = 4;
 //# sourceMappingURL=version.js.map

package/docs/README.md

@@ -69,6 +69,18 @@ keeps it internal. Callers create objects and run their attached actions.
 Accounts use cash or claim books. A move stays in one book. `account of buyer`
 aliases the default cash account; `account of self` provisions an owned account.
 `account(lender, cash, "capital")` binds a named account.
+`account(adapter(insurer), cash, "premium")` binds the account of the provider
+selected by `insurer`. Declare that binding with `subject { adapter: insurer }`
+in an action of the same instrument. A text tunable may supply its binding name.
+The agreement retains the provider identity; aliases for that provider share the
+same book and key within the Product. Providers remain outside parties.
+A missing binding refuses before money moves. Reference paths such as
+`self.cover.insurer` use the referenced agreement's account.
+
+Insurance collection credits the premium to the operator, then moves the premium
+net of commission to the insurer account. Refunds reverse those two portions.
+Claims reserve from the cover's insurer account. These moves record ledger money;
+external confirmation still needs the boundary protocol.
 `account(buyer, claim, contra, "debt")` declares the borrower's claim contra account.
 Provider confirmation belongs on a reserved move with `boundary adapter`,
 followed by instruction-bound evidence and a post or void. External account
@@ -255,7 +267,7 @@ adapters are bound, participants have funds, or the flow can finish.
 | `financing.limits`                         | `per_borrower` caps outstanding principal. Both borrower and portfolio limits must be approved before disbursement; attaching them does not approve them.                                                                                                                                                                    |
 | `lending.round`                            | The target is the linked plan's principal. Closing requires commitments and held funds to equal that amount.                                                                                                                                                                                                                 |
 | `lending.distribution`                     | Cash distribution needs an eligible recorded settlement, `prepare_cash`, one share record per funded commitment, then `distribute_cash`. Attaching it moves nothing.                                                                                                                                                         |
-| `insurance.cover.slice`                    | `collect` credits the whole premium to the tenant. The required insurer payout of premium minus commission is blocked on generic adapter-owned account binding. This header does not yet implement insurer settlement.                                                                                                       |
+| `insurance.cover.slice`                    | `collect` credits premium net of commission to the insurer account. The tenant retains commission. `refund` returns both portions; claims reserve insurer funds. External settlement uses the boundary protocol.                                                                                                             |
 | `travel.booking`                           | From `deposit_paid` or `paid`, early cancellation returns the full held balance, middle returns held balance minus deposit, and late has no buyer refund transfer. State, time and balance requirements still apply. A deposit-only early cancellation refunds the deposit; a deposit-only middle cancellation refunds zero. |
 | `financing.installments`, `savings.circle` | Supply explicit date lists when creating agreements. A term count does not generate a monthly calendar. Savings supports at most 60 distinct member positions.                                                                                                                                                               |
 | `escrow.hold`                              | `fund` takes the whole price. Financing into pending escrow collects the remaining down payment and adds capital principal at disbursement; `fund` is not a down-payment checkout.                                                                                                                                           |
@@ -268,9 +280,3 @@ commitment creation, and cash prepare/distribute actions. Its repayment and shar
 child actions still lack a public execution path. It is a composition example,
 not a complete public repayment flow. Callers still need dates, agreement inputs,
 funded wallets, eligible settlements and the distribution's share records.
-
-Insurance providers are adapters, never party declarations. The tenant must retain
-commission and pay the insurer the remaining premium through a confirmed move.
-The current account ABI cannot bind an adapter-owned destination. Do not treat
-`insurance.cover` or `insurance.claim` as a complete insurer integration; claims
-currently reserve tenant funds.

package/examples/insurance.hsx

@@ -11,9 +11,9 @@ object device "Insured device" {
     payer: owner, payee: operator
     expose pay as pay_for_device
   }
-  // Bind device_insurer to an ADL adapter before activating cover.
+  // Bind device_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.
   attach protection = insurance.cover {
-    holder: owner, adapter: "device_insurer", covers: purchase
+    holder: owner, adapter: "device_insurer", commission: 10%, covers: purchase
     expose activate as activate_cover
     expose cancel as cancel_cover
   }

package/examples/travel.hsx

@@ -11,9 +11,9 @@ object holiday "Holiday booking" {
     price: 5000 SAR, supplier_cost: 3500 SAR, departure: 2027-07-01
     expose publish as publish_trip
   }
-  // Bind travel_insurer to an ADL adapter before activating cover.
+  // Bind travel_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.
   attach protection = insurance.cover {
-    holder: actor, adapter: "travel_insurer", covers: reservation
+    holder: actor, adapter: "travel_insurer", commission: 10%, covers: reservation
     expose activate as activate_cover
   }
   attach reservation = travel.booking {

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@hyperscale0/hsx",
-  "version": "5.1.0",
+  "version": "5.2.0",
   "description": "The strictly typed HSX language: compile total financial programs into canonical UDL.",
   "keywords": [
     "hsx",
@@ -86,7 +86,7 @@
   },
   "dependencies": {
     "@hyperscale0/adl": "1.0.0-beta.8",
-    "@hyperscale0/udl": "4.3.0",
+    "@hyperscale0/udl": "4.4.0",
     "fast-sha256": "1.3.0"
   },
   "devDependencies": {
@@ -98,5 +98,5 @@
     "Amir Ayub",
     "Sara AlBakaawi"
   ],
-  "gitHead": "5bb82154896feeb7fa002d3bff439a6f90ed91e1"
+  "gitHead": "f8eb5c255acd23edba069d63962611b81280c85d"
 }

package/src/compile.ts

@@ -1711,7 +1711,16 @@ export function compile(
                   "account needs an owner, optional book, mode and key",
                   "write account(buyer, claim, contra)",
                 );
-              f.owner = text(resolve(t.args[0]!));
+              const owner = t.args[0]!;
+              if (owner.kind === "call" && owner.name === "adapter") {
+                if (owner.args.length !== 1)
+                  fail(
+                    owner,
+                    "adapter needs one binding",
+                    'write account(adapter(binding), cash, "premium")',
+                  );
+                f.owner = { adapter: text(resolve(owner.args[0]!)) };
+              } else f.owner = text(resolve(owner));
               f.book = t.args[1] ? text(t.args[1]) : "cash";
               if (t.args[2]) {
                 const mode = text(t.args[2]);

package/src/examples-bundle.ts

@@ -5,7 +5,7 @@ export const examples: HsxExample[] = [
   {"id":"collections","title":"Small business collections","summary":"A business lender refers overdue instalments to an agency with limits on collection contacts.","headers":["collections","financing"],"source":"// A business lender refers overdue instalments to an agency with limits on collection contacts.\nprogram business_collections \"Small business collections\"\nuse collections\nuse financing\nparty agency: business\n\nobject facility \"Business loan\" {\n  fields { businessName: text, purpose: text, price: money }\n  columns: [businessName, purpose, price]\n  attach allowance = financing.limits { borrower: owner, per_borrower: 100000 SAR }\n  attach budget = financing.portfolio_limit { limit: 2000000 SAR }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_loan\n    expose disburse as release_loan\n  }\n  attach recovery = collections.case {\n    on: loan, agency: agency\n    expose assign as assign_case\n    expose recover as recover_payment\n    expose recall as recall_case\n  }\n  attach contact = collections.contact {\n    case: recovery, agency: agency\n  }\n}\n"},
   {"id":"escrow","title":"Used device sales","summary":"Buyers fund a used device purchase, then accept delivery or raise a dispute before release.","headers":["escrow"],"source":"// Buyers fund a used device purchase, then accept delivery or raise a dispute before release.\nprogram used_device_sales \"Used device sales\"\nuse escrow\n\nobject device \"Device\" {\n  fields {\n    model: text\n    condition: text\n    serialNumber: text\n    price: money\n  }\n  columns: [model, condition, price]\n  attach sale = escrow.hold {\n    payer: actor, payee: owner\n    expose fund as pay_for_device\n    expose deliver as confirm_delivery\n    expose accept as accept_device\n    expose dispute as report_problem\n    expose verify_return as verify_return\n    expose refund as refund_buyer\n  }\n}\n"},
   {"id":"financing","title":"Tuition instalments","summary":"A tuition lender funds a student's fees over three interest-free instalments with borrowing limits.","headers":["financing"],"source":"// A tuition lender funds a student's fees over three interest-free instalments with borrowing limits.\nprogram tuition_instalments \"Tuition instalments\"\nuse financing\n\nobject enrolment \"Enrolment\" {\n  fields { student: text, course: text, price: money }\n  columns: [student, course, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 12000 SAR\n    expose approve as approve_student\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 500000 SAR\n    expose approve as approve_budget\n  }\n  attach tuition = financing.installments {\n    borrower: owner, capital: operator\n    months: 3, profit: 0%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_tuition_plan\n    expose disburse as fund_tuition\n    expose payoff as repay_early\n  }\n}\n"},
-  {"id":"insurance","title":"Device insurance","summary":"A device retailer collects the purchase price and attaches cover with a claim review process.","headers":["insurance","money"],"source":"// A device retailer collects the purchase price and attaches cover with a claim review process.\nprogram device_insurance \"Device insurance\"\nuse insurance\nuse money\nparty inspector: staff role claims\n\nobject device \"Insured device\" {\n  fields { model: text, serialNumber: text, purchaseDate: date }\n  columns: [model, serialNumber, purchaseDate]\n  attach purchase = money.transfer {\n    payer: owner, payee: operator\n    expose pay as pay_for_device\n  }\n  // Bind device_insurer to an ADL adapter before activating cover.\n  attach protection = insurance.cover {\n    holder: owner, adapter: \"device_insurer\", covers: purchase\n    expose activate as activate_cover\n    expose cancel as cancel_cover\n  }\n  attach claim = insurance.claim {\n    cover: protection, inspector: inspector\n    expose approve as approve_claim\n    expose deny as deny_claim\n    expose pay as pay_claim\n  }\n}\n"},
+  {"id":"insurance","title":"Device insurance","summary":"A device retailer collects the purchase price and attaches cover with a claim review process.","headers":["insurance","money"],"source":"// A device retailer collects the purchase price and attaches cover with a claim review process.\nprogram device_insurance \"Device insurance\"\nuse insurance\nuse money\nparty inspector: staff role claims\n\nobject device \"Insured device\" {\n  fields { model: text, serialNumber: text, purchaseDate: date }\n  columns: [model, serialNumber, purchaseDate]\n  attach purchase = money.transfer {\n    payer: owner, payee: operator\n    expose pay as pay_for_device\n  }\n  // Bind device_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.\n  attach protection = insurance.cover {\n    holder: owner, adapter: \"device_insurer\", commission: 10%, covers: purchase\n    expose activate as activate_cover\n    expose cancel as cancel_cover\n  }\n  attach claim = insurance.claim {\n    cover: protection, inspector: inspector\n    expose approve as approve_claim\n    expose deny as deny_claim\n    expose pay as pay_claim\n  }\n}\n"},
   {"id":"lending","title":"Community business lending","summary":"A lending composition with limit approvals, wallet commitments and cash distribution transitions. Repayment and distribution-share child actions still need an execution path; this is not a complete public repayment flow.","headers":["lending","financing","wallet"],"source":"// A lending composition with limit approvals, wallet commitments and cash distribution transitions.\n// Repayment and distribution-share child actions still need an execution path; this is not a complete public repayment flow.\nprogram community_business_lending \"Community business lending\"\nuse lending\nuse financing\nuse wallet\n\nobject business \"Business funding\" {\n  fields { businessName: text, purpose: text, price: money }\n  columns: [businessName, purpose, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 100000 SAR\n    expose approve as approve_borrower\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 2000000 SAR\n    expose approve as approve_budget\n  }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_loan\n    expose disburse as release_loan\n  }\n  attach investor_balance = wallet.balance {\n    holder: actor\n    expose activate as open_wallet\n    expose topup as add_funds\n  }\n  attach funding = lending.round {\n    borrower: owner, plan: loan\n    expose create as open_funding\n    expose close as close_funding\n  }\n  attach investment = lending.commitment {\n    round: funding, wallet: investor_balance, investor: actor\n    expose create as invest\n    expose withdraw as withdraw_investment\n  }\n  attach returns = lending.distribution {\n    round: funding, receipt: loan.settlement\n    expose prepare_cash as prepare_returns\n    expose distribute_cash as distribute_returns\n  }\n}\n"},
   {"id":"library","title":"Financed car sales","summary":"A minimal financed car sale connects escrow to a three-instalment plan and lending limits.","headers":["escrow","financing"],"source":"// A minimal financed car sale connects escrow to a three-instalment plan and lending limits.\nprogram cars \"Financed car sales\"\nuse escrow\nuse financing\nobject car \"Cars\" {\n fields { make: text, model: text, year: integer }\n attach sale = escrow.hold { payer: actor, payee: owner, expose fund as sell }\n attach limits = financing.limits { borrower: actor, per_borrower: 60000 SAR }\n attach ceiling = financing.portfolio_limit { limit: 1500000 SAR }\n attach plan = financing.installments {\n  borrower: actor, capital: operator, share: 25%\n  months: 3, profit: 2.5%, funds: sale, limits: limits, portfolio: ceiling\n  expose create as finance\n }\n}\n"},
   {"id":"marketplace","title":"Freelance marketplace","summary":"Freelancers publish offers and clients place orders with funds held until work is accepted.","headers":["marketplace","escrow"],"source":"// Freelancers publish offers and clients place orders with funds held until work is accepted.\nprogram freelance_marketplace \"Freelance marketplace\"\nuse marketplace\nuse escrow\n\nobject project \"Project\" {\n  fields { brief: text, deliverable: text, price: money }\n  columns: [brief, deliverable, price]\n  attach offer = marketplace.listing {\n    seller: owner\n    expose publish as publish_offer\n    expose withdraw as withdraw_offer\n  }\n  attach order = marketplace.order {\n    listing: offer, buyer: actor\n    expose commit as place_order\n    expose fulfill as finish_order\n  }\n  attach payment = escrow.hold {\n    payer: actor, payee: owner\n    expose fund as fund_project\n    expose deliver as submit_work\n    expose accept as accept_work\n    expose dispute as dispute_work\n  }\n}\n"},
@@ -14,6 +14,6 @@ export const examples: HsxExample[] = [
   {"id":"reporting","title":"Equipment loan reports","summary":"An equipment lender keeps an ageing report over its financed purchases and recorded repayments.","headers":["reporting","financing"],"source":"// An equipment lender keeps an ageing report over its financed purchases and recorded repayments.\nprogram equipment_loan_reports \"Equipment loan reports\"\nuse reporting\nuse financing\n\nobject purchase \"Equipment loan\" {\n  fields { businessName: text, equipment: text, price: money }\n  columns: [businessName, equipment, price]\n  attach allowance = financing.limits {\n    borrower: owner, per_borrower: 200000 SAR\n    expose approve as approve_business\n  }\n  attach budget = financing.portfolio_limit {\n    limit: 5000000 SAR\n    expose approve as approve_budget\n  }\n  attach loan = financing.installments {\n    borrower: owner, capital: operator\n    months: 12, profit: 6%, disburse_to: borrower\n    limits: allowance, portfolio: budget\n    expose sign as sign_purchase_loan\n    expose disburse as fund_purchase\n  }\n  attach reports = reporting.portfolio { on: loan }\n}\n"},
   {"id":"savings","title":"Savings circle","summary":"Six members contribute to a shared pot and receive it in their agreed calendar order.","headers":["savings"],"source":"// Six members contribute to a shared pot and receive it in their agreed calendar order.\nprogram neighbourhood_savings \"Savings circle\"\nuse savings\n\nobject group \"Savings group\" {\n  fields { groupName: text, purpose: text }\n  columns: [groupName, purpose]\n  attach circle = savings.circle {\n    contribution: 500 SAR, members: 6, starts: 2027-01-01\n    expose disband as disband_circle\n    expose close as close_circle\n  }\n  attach membership = savings.membership {\n    circle: circle, member: actor\n    expose activate as confirm_membership\n    expose withdraw as leave_circle\n  }\n  // Contributions and each member's payout follow the declared calendar.\n}\n"},
   {"id":"serviced","title":"Car financing","summary":"A car finance company services loans with late charges, payment reminders and early repayment.","headers":["escrow","financing","collections"],"source":"// A car finance company services loans with late charges, payment reminders and early repayment.\nprogram car_financing \"Car financing\"\nuse escrow\nuse financing\nuse collections\nobject car \"Car\" {\n fields { make: text, model: text, year: integer, vin: text, price: money }\n columns: [make, model, year, vin, price]\n attach sale = escrow.hold { payer: actor, payee: operator, expose fund as purchase }\n attach limits = financing.limits { borrower: actor, per_borrower: 250000 SAR }\n attach ceiling = financing.portfolio_limit { limit: 10000000 SAR }\n attach plan = financing.installments {\n  borrower: actor, capital: operator\n  months: 36, profit: 8.5%, down_payment: 10%\n  apply: fines_profit_principal, payoff_rebate: 100%, write_off_after: 90d\n  funds: sale, limits: limits, portfolio: ceiling\n  expose create as finance, expose sign as sign_contract, expose payoff as payoff\n }\n attach late = financing.late_charge {\n  on: plan, grace: 3d, fine: 50 SAR, cap: 25 SAR\n  fines_to: operator, costs_to: operator, borrower: actor\n }\n attach reminders = collections.reminder { on: plan, operator: operator, before_days: 3, overdue_days: 1 }\n}\n"},
-  {"id":"travel","title":"Travel agency","summary":"A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.","headers":["travel","insurance"],"source":"// A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.\nprogram travel_agency \"Travel agency\"\nuse travel\nuse insurance\nparty hotel: business\n\nobject holiday \"Holiday booking\" {\n  fields { destination: text, leadTraveller: text }\n  columns: [destination, leadTraveller]\n  attach trip = travel.package {\n    price: 5000 SAR, supplier_cost: 3500 SAR, departure: 2027-07-01\n    expose publish as publish_trip\n  }\n  // Bind travel_insurer to an ADL adapter before activating cover.\n  attach protection = insurance.cover {\n    holder: actor, adapter: \"travel_insurer\", covers: reservation\n    expose activate as activate_cover\n  }\n  attach reservation = travel.booking {\n    package: trip, buyer: actor, supplier: hotel, cover: protection\n    expose deposit as pay_deposit\n    expose balance as pay_balance\n    expose confirm as confirm_completion\n    expose cancel_early as cancel_booking\n  }\n}\n"},
+  {"id":"travel","title":"Travel agency","summary":"A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.","headers":["travel","insurance"],"source":"// A travel agency takes deposits for an insured holiday and pays its supplier after confirmation.\nprogram travel_agency \"Travel agency\"\nuse travel\nuse insurance\nparty hotel: business\n\nobject holiday \"Holiday booking\" {\n  fields { destination: text, leadTraveller: text }\n  columns: [destination, leadTraveller]\n  attach trip = travel.package {\n    price: 5000 SAR, supplier_cost: 3500 SAR, departure: 2027-07-01\n    expose publish as publish_trip\n  }\n  // Bind travel_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.\n  attach protection = insurance.cover {\n    holder: actor, adapter: \"travel_insurer\", commission: 10%, covers: reservation\n    expose activate as activate_cover\n  }\n  attach reservation = travel.booking {\n    package: trip, buyer: actor, supplier: hotel, cover: protection\n    expose deposit as pay_deposit\n    expose balance as pay_balance\n    expose confirm as confirm_completion\n    expose cancel_early as cancel_booking\n  }\n}\n"},
   {"id":"wallet","title":"Workshop credits","summary":"Members prepay for workshop visits and the studio reserves each spend before charging it.","headers":["wallet"],"source":"// Members prepay for workshop visits and the studio reserves each spend before charging it.\nprogram workshop_credits \"Workshop credits\"\nuse wallet\n\nobject membership \"Membership\" {\n  fields { memberName: text, membershipNumber: text }\n  columns: [memberName, membershipNumber]\n  attach balance = wallet.balance {\n    holder: owner\n    expose activate as open_balance\n    expose topup as add_credit\n    expose withdraw as withdraw_credit\n    expose close as close_balance\n  }\n  attach visit = wallet.spend {\n    wallet: balance, payee: operator\n    expose reserve as reserve_visit\n    expose pay as charge_visit\n    expose cancel as cancel_visit\n  }\n}\n"},
 ];