@hyperscale0/hsx 5.8.0 → 6.1.0

package/dist/src/std-bundle.js

@@ -8,9 +8,8 @@ export const BUNDLED_STD_FILES = new Map([
     ["lending.hsx", "header lending\n\n// Economics: Funding and commitment returns are principal. Distribution tax is\n// pass-through; own-account fee and claim allocations are internal. Mixed\n// principal/profit distributions and unbound source owners remain unclassified.\n\n// Round target is plan.principal from runtime subject.price, not its credit limit.\n// Expose round.create and close plus commitment.create and withdraw. A commitment\n// debits the bound investor's original active wallet before closesAt. Investor cap\n// aggregates by investor across wallets. Failure refunds those original wallets.\n// Closing needs the exact target; it funds plan.capital and does not disburse the\n// loan. Expose plan.disburse separately after signing and limit approval.\n// Distribution.create needs a recorded, unconsumed settlement matching the plan.\n// Prepare cash or loss first, then create shares against funded commitments of\n// that round. Distribution needs pending share weights equal to the round target.\n// Cash fee is a percentage of retained profit, VAT a percentage of that fee.\n// Principal plus retained profit less fee and VAT goes to weighted wallets;\n// floored residual goes to residual_to. Loss mode moves claim balances, not cash.\n// Child share execution is parent-owned. No report or clock proves outside payout.\n\n// Cost: round.create declares one owned account. Close transfers its balance\n// and invokes commitments; failure invokes their refunds. Distribution adds moves\n// and bounded share invocations. Run hsx cost for counts after policy selection.\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 economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: principal, sourceParty: programOperator }\n  }\n  action refund {\n    from: committed, to: refunded, actor: { parent: round }\n    moves self.amount from self.round.held to self.wallet.held economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: internal, sourceParty: programOperator }; moves self.vat from self.held to programTax economics { purpose: pass_through, sourceParty: programOperator }\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 economics { purpose: internal, sourceParty: programOperator }\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 economics { purpose: internal, sourceParty: programOperator } }\n    }\n  }\n}\n"],
     ["marketplace.hsx", "header marketplace\n\n// Economics: Deposit funding, escrow credit and returns are principal. Retention is\n// earning for the company or a payout to a bound outside recipient.\n\n// Listing, order and reservation are separate agreements. Expose their create\n// and decision actions individually. Order fulfillment does not move escrow cash.\n// Pair an order with escrow.hold and expose its fund, deliver, accept, dispute,\n// verify_return and refund aliases. Refund needs disputed -> return_verified,\n// with payee evidence, then returns the full price to payer; accept pays payee.\n// A reservation holds its own deposit. Activate requires an active listing and\n// no placed order. Only a declared converter may invoke credit. A financing\n// plan on the same hold credits it when the lender disburses. Credit consumes the\n// deposit once, credits at most the contribution, and returns excess to buyer.\n// Expose cancel, seller_cancel or operator_cancel for the intended actors.\n// Buyer cancel and expiry use configured refund percentages; seller/operator\n// cancellation return the whole reservation balance. Converted money is in escrow,\n// so subsequent return verification and refund use the escrow aliases.\n\n// Cost: listing and order actions declare no transfers. Reservation.create\n// declares one owned account; activate declares one deposit transfer. Cancellation\n// and credit split that balance into moves. Run hsx cost for the composed counts.\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>, 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 economics { purpose: principal, sourceParty: buyer }\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 economics { purpose: principal, sourceParty: programOperator }\n    moves self.refund from self.held to self.buyer economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: principal, sourceParty: programOperator }; moves self.retained from self.held to retained_to economics { recipient: retained_to, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\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 economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: principal, sourceParty: programOperator }\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 economics { purpose: principal, sourceParty: programOperator }; moves self.retained from self.held to retained_to economics { recipient: retained_to, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n  action expire_proposal { from: proposed, to: expired, actor: clock, due: { at: self.proposalExpiresAt } }\n}\n"],
     ["money.hsx", "header money\n\n// Economics: Held funding and returns are principal. Release to the company realizes\n// earnings; release to another participant is a payout. Generic transfers, splits,\n// schedules, swaps, boundary payouts and metered fees retain no assumed purpose.\n\n// Expose each attachment's create and caller actions explicitly. A transfer or\n// split pays once; a hold exposes fund, release and refund separately. Release\n// pays payee and refund returns payer. A hold has no dispute or damage decision.\n// A schedule needs count unique occurrence records before activation; each due\n// occurrence pays only while the schedule is active. A due time promises no retry.\n// A pool accepts whole contributions only up to its remaining target and at most\n// 366 paid records. Expose pay to release the exact target. Clock failure refunds\n// original contributors; excess acceptance and partial contribution are absent.\n// A swap reserves both legs before exchange or voids reservations on expiry.\n// Payout instruct reserves across the selected adapter; confirm/reject require\n// matching terminal instruction evidence. An acknowledgement cannot settle it.\n// Metered bill charges a unique usage identity at the fixed unit price.\n\n// Cost: transfer.pay declares one transfer. Hold.create declares one owned account;\n// fund, release and refund each declare one transfer. Schedules and pools add bounded\n// child invocations. Run hsx cost on the composed program for counts, not SAR prices.\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 economics { purpose: principal, sourceParty: payer }\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 economics { recipient: payee, company: { purpose: earning, sourceParty: payer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n  action refund {\n    from: funded, to: refunded, actor: { party: payee }\n    moves self.amount from self.held to payer economics { purpose: principal, sourceParty: programOperator }\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 economics { recipient: payee, company: { purpose: earning, sourceParty: payer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\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 economics { purpose: principal, sourceParty: payer } }\n      action refund { from: paid, to: refunded, actor: { parent: parent }, moves self.amount from self.pool.held to self.payer economics { purpose: principal, sourceParty: programOperator } }\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"],
-    ["reporting.hsx", "header reporting\n\n// Attach portfolio to one or more financing plans. Its only lifecycle action is\n// create; reports use the declared report request/read roles, not a money action.\n// Aging selects active facilities and includes earned profit when deciding arrears.\n// The default-rate report measures period-end stock, not new default incidence.\n// Paid facilities are excluded and write-offs counted separately. Amounts are SAR\n// minor units; declared scale and rounding govern ratios. Missing identity joins\n// or unreconciled schedule counts refuse. Origination cohorts and bureau output\n// explicitly refuse until their unavailable governed facts exist. No bureau\n// submission, provider layout, external transport or restructuring proof is supplied.\n\n// Cost: portfolio.create declares no transfers, owned accounts or invocations.\n// That zero instruction count does not price report capture, rendering, storage or\n// release. The host owns those charges and their execution.\n\ninstrument portfolio(on: ref<financing.installments>[], default_days: integer(1, 3650) = 90, retention_years: integer(1, 100) = 10, aging_first_days: integer(1, 3650) = 30, aging_second_days: integer(1, 3650) = 60, aging_third_days: integer(1, 3650) = 90, ratio_scale: integer(1, 1000000) = 10000, ratio_rounding: enum(floor, halfUp) = floor, lock_wait_ms: integer(1, 2000) = 2000, capture_ms: integer(1, 10000) = 10000, max_rows: integer(1, 100000) = 10000, max_join_rows: integer(1, 1000000) = 100000, max_bytes: integer(1024, 16777216) = 8388608) {\n  summary: \"Declared financing reports evaluated over frozen Product facts.\"\n  fields {}\n  lifecycle { states: [declared], initial: declared }\n  action create {}\n  constraints { aging_first_days: less_than(aging_second_days), aging_second_days: less_than(aging_third_days) }\n  reports: [\n    {\n      identity: { id: \"portfolio_aging\", version: 1, description: \"Period-end outstanding principal by oldest unpaid installment. Remaining scheduled profit is distinct from accrued profit. Restructuring evidence is unavailable.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"active\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [\n          {\n            id: \"day0\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 0\n          },\n          {\n            id: \"day30\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_first_days\n          },\n          {\n            id: \"day60\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_second_days\n          },\n          {\n            id: \"day90\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_third_days\n          },\n          {\n            id: \"band0\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"current\"\n          },\n          {\n            id: \"band30\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"first\"\n          },\n          {\n            id: \"band60\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"second\"\n          },\n          {\n            id: \"band90\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"third\"\n          },\n          {\n            id: \"bandLate\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"later\"\n          },\n          { id: \"current\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day0\" },\n          { id: \"first\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day30\" },\n          { id: \"second\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day60\" },\n          { id: \"third\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day90\" },\n          { id: \"lateBand\", op: \"choose\", condition: \"third\", yes: \"band90\", no: \"bandLate\" },\n          { id: \"secondBand\", op: \"choose\", condition: \"second\", yes: \"band60\", no: \"lateBand\" },\n          { id: \"firstBand\", op: \"choose\", condition: \"first\", yes: \"band30\", no: \"secondBand\" },\n          { id: \"agingBand\", op: \"choose\", condition: \"current\", yes: \"band0\", no: \"firstBand\" }\n        ],\n        groupBy: [ \"agingBand\" ],\n        aggregates: [\n          { name: \"facilities\", op: \"count\" },\n          { name: \"principalMinor\", op: \"sum\", value: \"outstandingPrincipal\" },\n          { name: \"scheduledProfitMinor\", op: \"sum\", value: \"remainingScheduledProfit\" }\n        ],\n        resultExpressions: [  ]\n      },\n      validation: {\n        empty: \"noEligibleFacilities\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [  ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"agingBand\",\n            label: \"agingBand\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"facilities\",\n            label: \"facilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"principalMinor\",\n            label: \"principalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"scheduledProfitMinor\",\n            label: \"scheduledProfitMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          }\n        ],\n        sort: [ \"agingBand\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    },\n    {\n      identity: { id: \"origination_cohorts\", version: 1, description: \"Origination cohort performance. Refuses until business-effective origination dates and dated repayment allocation are retained; record creation time is not origination.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"financed\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [\n          { id: \"recordedMonth\", op: \"bucket\", value: \"recordedCreation\", unit: \"month\" }\n        ],\n        groupBy: [ \"recordedMonth\" ],\n        aggregates: [\n          { name: \"facilities\", op: \"count\" },\n          { name: \"principalMinor\", op: \"sum\", value: \"outstandingPrincipal\" }\n        ],\n        resultExpressions: [  ]\n      },\n      validation: {\n        empty: \"noEligibleFacilities\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [ \"business-effective origination timestamp\", \"dated repayment allocation and recovery history\" ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"recordedMonth\",\n            label: \"recordedMonth\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"facilities\",\n            label: \"facilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"principalMinor\",\n            label: \"principalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          }\n        ],\n        sort: [ \"recordedMonth\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    },\n    {\n      identity: { id: \"period_end_outstanding_principal_default_rate\", version: 1, description: \"Current active facilities with any unpaid installment at least the declared default days past due, observed at period end. Cure when arrears clear. Count and outstanding-principal weighted rates in the declared scale exclude paid and written-off facilities; write-offs are counted separately. This is a stock measure, not a new-default incidence or origination cohort rate.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"financed\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [\n          {\n            id: \"threshold\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: default_days\n          },\n          {\n            id: \"zero\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 0\n          },\n          {\n            id: \"one\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 1\n          },\n          {\n            id: \"zeroMoney\",\n            op: \"literal\",\n            type: { kind: \"money\", currency: \"SAR\" },\n            value: \"0\"\n          },\n          { id: \"pastThreshold\", op: \"atMost\", left: \"threshold\", right: \"oldestUnpaidDays\" },\n          { id: \"isDefault\", op: \"and\", left: \"active\", right: \"pastThreshold\" },\n          { id: \"activeCount\", op: \"choose\", condition: \"active\", yes: \"one\", no: \"zero\" },\n          { id: \"defaultCount\", op: \"choose\", condition: \"isDefault\", yes: \"one\", no: \"zero\" },\n          { id: \"writeOffCount\", op: \"choose\", condition: \"writtenOff\", yes: \"one\", no: \"zero\" },\n          { id: \"activePrincipal\", op: \"choose\", condition: \"active\", yes: \"outstandingPrincipal\", no: \"zeroMoney\" },\n          { id: \"defaultPrincipal\", op: \"choose\", condition: \"isDefault\", yes: \"outstandingPrincipal\", no: \"zeroMoney\" }\n        ],\n        groupBy: [  ],\n        aggregates: [\n          { name: \"activeFacilities\", op: \"sum\", value: \"activeCount\" },\n          { name: \"defaultFacilities\", op: \"sum\", value: \"defaultCount\" },\n          { name: \"writtenOffFacilities\", op: \"sum\", value: \"writeOffCount\" },\n          { name: \"activePrincipalMinor\", op: \"sum\", value: \"activePrincipal\" },\n          { name: \"defaultPrincipalMinor\", op: \"sum\", value: \"defaultPrincipal\" }\n        ],\n        resultExpressions: [\n          { id: \"countRate\", op: \"ratio\", numerator: \"defaultFacilities\", denominator: \"activeFacilities\", scale: ratio_scale, rounding: ratio_rounding, zero: \"null\" },\n          { id: \"principalRate\", op: \"ratio\", numerator: \"defaultPrincipalMinor\", denominator: \"activePrincipalMinor\", scale: ratio_scale, rounding: ratio_rounding, zero: \"null\" },\n          {\n            id: \"restructuringEvidence\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"unavailable\"\n          },\n          {\n            id: \"defaultDays\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: default_days\n          },\n          {\n            id: \"rateScale\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: ratio_scale\n          }\n        ]\n      },\n      validation: {\n        empty: \"refuse\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [  ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"activeFacilities\",\n            label: \"activeFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"defaultFacilities\",\n            label: \"defaultFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"writtenOffFacilities\",\n            label: \"writtenOffFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"activePrincipalMinor\",\n            label: \"activePrincipalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"defaultPrincipalMinor\",\n            label: \"defaultPrincipalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"countRate\",\n            label: \"countRate\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"principalRate\",\n            label: \"principalRate\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"restructuringEvidence\",\n            label: \"restructuringEvidence\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"defaultDays\",\n            label: \"defaultDays\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"rateScale\",\n            label: \"rateScale\",\n            type: { kind: \"integer\" }\n          }\n        ],\n        sort: [ \"activeFacilities\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    },\n    {\n      identity: { id: \"bureau_facility\", version: 1, description: \"Bureau facility definition only. No submission, provider layout or transport is admitted until the member specification and required governed facts exist.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"financed\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [  ],\n        groupBy: [  ],\n        aggregates: [  ],\n        resultExpressions: [  ]\n      },\n      validation: {\n        empty: \"refuse\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [ \"approved member format contract\", \"versioned borrower identity and dispute facts\", \"business-effective origination and repayment allocation history\" ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"facilityId\",\n            label: \"facilityId\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"borrowerEntity\",\n            label: \"borrowerEntity\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"outstandingPrincipal\",\n            label: \"outstandingPrincipal\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          }\n        ],\n        sort: [ \"facilityId\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    }\n  ]\n}\n"],
+    ["reporting.hsx", "header reporting\n\n// Attach portfolio to one or more financing plans. Its only lifecycle action is\n// create; reports use the declared report request/read roles, not a money action.\n// Aging selects active facilities and includes earned profit when deciding arrears.\n// The default-rate report measures period-end stock, not new default incidence.\n// Paid facilities are excluded and write-offs counted separately. Amounts are SAR\n// minor units; declared scale and rounding govern ratios. Missing identity joins\n// or unreconciled schedule counts refuse.\n\n// Cost: portfolio.create declares no transfers, owned accounts or invocations.\n// That zero instruction count does not price report capture, rendering, storage or\n// release. The host owns those charges and their execution.\n\ninstrument portfolio(on: ref<financing.installments>[], default_days: integer(1, 3650) = 90, retention_years: integer(1, 100) = 10, aging_first_days: integer(1, 3650) = 30, aging_second_days: integer(1, 3650) = 60, aging_third_days: integer(1, 3650) = 90, ratio_scale: integer(1, 1000000) = 10000, ratio_rounding: enum(floor, halfUp) = floor, lock_wait_ms: integer(1, 2000) = 2000, capture_ms: integer(1, 10000) = 10000, max_rows: integer(1, 100000) = 10000, max_join_rows: integer(1, 1000000) = 100000, max_bytes: integer(1024, 16777216) = 8388608) {\n  summary: \"Declared financing reports evaluated over frozen Product facts.\"\n  fields {}\n  lifecycle { states: [declared], initial: declared }\n  action create {}\n  constraints { aging_first_days: less_than(aging_second_days), aging_second_days: less_than(aging_third_days) }\n  reports: [\n    {\n      identity: { id: \"portfolio_aging\", version: 1, description: \"Period-end outstanding principal by oldest unpaid installment. Remaining scheduled profit is distinct from accrued profit. Restructuring evidence is unavailable.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"active\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [\n          {\n            id: \"day0\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 0\n          },\n          {\n            id: \"day30\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_first_days\n          },\n          {\n            id: \"day60\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_second_days\n          },\n          {\n            id: \"day90\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: aging_third_days\n          },\n          {\n            id: \"band0\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"current\"\n          },\n          {\n            id: \"band30\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"first\"\n          },\n          {\n            id: \"band60\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"second\"\n          },\n          {\n            id: \"band90\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"third\"\n          },\n          {\n            id: \"bandLate\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"later\"\n          },\n          { id: \"current\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day0\" },\n          { id: \"first\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day30\" },\n          { id: \"second\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day60\" },\n          { id: \"third\", op: \"atMost\", left: \"oldestUnpaidDays\", right: \"day90\" },\n          { id: \"lateBand\", op: \"choose\", condition: \"third\", yes: \"band90\", no: \"bandLate\" },\n          { id: \"secondBand\", op: \"choose\", condition: \"second\", yes: \"band60\", no: \"lateBand\" },\n          { id: \"firstBand\", op: \"choose\", condition: \"first\", yes: \"band30\", no: \"secondBand\" },\n          { id: \"agingBand\", op: \"choose\", condition: \"current\", yes: \"band0\", no: \"firstBand\" }\n        ],\n        groupBy: [ \"agingBand\" ],\n        aggregates: [\n          { name: \"facilities\", op: \"count\" },\n          { name: \"principalMinor\", op: \"sum\", value: \"outstandingPrincipal\" },\n          { name: \"scheduledProfitMinor\", op: \"sum\", value: \"remainingScheduledProfit\" }\n        ],\n        resultExpressions: [  ]\n      },\n      validation: {\n        empty: \"noEligibleFacilities\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [  ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"agingBand\",\n            label: \"agingBand\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"facilities\",\n            label: \"facilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"principalMinor\",\n            label: \"principalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"scheduledProfitMinor\",\n            label: \"scheduledProfitMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          }\n        ],\n        sort: [ \"agingBand\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    },\n    {\n      identity: { id: \"period_end_outstanding_principal_default_rate\", version: 1, description: \"Current active facilities with any unpaid installment at least the declared default days past due, observed at period end. Cure when arrears clear. Count and outstanding-principal weighted rates in the declared scale exclude paid and written-off facilities; write-offs are counted separately. This is a stock measure, not a new-default incidence or origination cohort rate.\" },\n      scope: { kind: \"product\", classification: \"internal\", currency: \"SAR\" },\n      datasets: [\n        {\n          id: \"facilities\",\n          source: \"instrument\",\n          instruments: on,\n          rowKey: \"facilityId\",\n          columns: [\n            {\n              name: \"facilityId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"borrowerAccount\",\n              field: \"borrower\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"state\",\n              field: \"status\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"originalPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduleCount\",\n              field: \"months\",\n              type: { kind: \"integer\" },\n              required: true\n            },\n            {\n              name: \"recordedCreation\",\n              field: \"createdAt\",\n              type: { kind: \"date\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"activeState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"active\"\n            },\n            {\n              id: \"paidState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"paid\"\n            },\n            {\n              id: \"writtenState\",\n              op: \"literal\",\n              type: { kind: \"text\" },\n              value: \"written_off\"\n            },\n            { id: \"active\", op: \"equal\", left: \"state\", right: \"activeState\" },\n            { id: \"paid\", op: \"equal\", left: \"state\", right: \"paidState\" },\n            { id: \"writtenOff\", op: \"equal\", left: \"state\", right: \"writtenState\" },\n            { id: \"activeOrPaid\", op: \"or\", left: \"active\", right: \"paid\" },\n            { id: \"financed\", op: \"or\", left: \"active\", right: \"writtenOff\" }\n          ],\n          selection: \"financed\"\n        },\n        {\n          id: \"schedule\",\n          source: \"instrument\",\n          instruments: child(on, slice),\n          rowKey: \"sliceId\",\n          columns: [\n            {\n              name: \"sliceId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"planId\",\n              field: \"plan\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"due\",\n              field: \"dueAt\",\n              type: { kind: \"date\" },\n              required: true\n            },\n            {\n              name: \"principal\",\n              field: \"principalReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"profit\",\n              field: \"profitReceivable.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"earnedProfit\",\n              field: \"profitEarned.balance\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            },\n            {\n              name: \"scheduledPrincipal\",\n              field: \"principal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              required: true\n            }\n          ],\n          expressions: [\n            {\n              id: \"zeroMoney\",\n              op: \"literal\",\n              type: { kind: \"money\", currency: \"SAR\" },\n              value: \"0\"\n            },\n            {\n              id: \"zeroDays\",\n              op: \"literal\",\n              type: { kind: \"integer\" },\n              value: 0\n            },\n            { id: \"observed\", op: \"parameter\", name: \"observationAt\" },\n            { id: \"scheduledOutstanding\", op: \"sum\", left: \"principal\", right: \"profit\" },\n            { id: \"totalOutstanding\", op: \"sum\", left: \"scheduledOutstanding\", right: \"earnedProfit\" },\n            { id: \"unpaid\", op: \"less\", left: \"zeroMoney\", right: \"totalOutstanding\" },\n            { id: \"elapsed\", op: \"daysBetween\", left: \"due\", right: \"observed\" },\n            { id: \"nonnegativeDays\", op: \"maximum\", left: \"elapsed\", right: \"zeroDays\" },\n            { id: \"daysPastDue\", op: \"choose\", condition: \"unpaid\", yes: \"nonnegativeDays\", no: \"zeroDays\" }\n          ]\n        },\n        {\n          id: \"borrowerAccounts\",\n          source: \"account\",\n          instruments: [  ],\n          rowKey: \"accountId\",\n          columns: [\n            {\n              name: \"accountId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participant\",\n              field: \"ownerParticipantId\",\n              type: { kind: \"text\" },\n              required: false\n            }\n          ],\n          expressions: [  ]\n        },\n        {\n          id: \"borrowers\",\n          source: \"identity\",\n          instruments: [  ],\n          rowKey: \"customerId\",\n          columns: [\n            {\n              name: \"customerId\",\n              field: \"id\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"participantId\",\n              field: \"participantId\",\n              type: { kind: \"text\" },\n              required: true\n            },\n            {\n              name: \"entityId\",\n              field: \"entityId\",\n              type: { kind: \"text\" },\n              required: true\n            }\n          ],\n          expressions: [  ]\n        }\n      ],\n      time: { timezone: \"Asia/Riyadh\", boundary: \"startInclusiveEndExclusive\", observation: \"periodEnd\", history: \"retainedOnly\" },\n      selection: { dataset: \"facilities\" },\n      calculation: {\n        joins: [\n          {\n            dataset: \"schedule\",\n            local: \"facilityId\",\n            foreign: \"planId\",\n            cardinality: \"many\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"outstandingPrincipal\", op: \"sum\", value: \"principal\" },\n              { name: \"remainingScheduledProfit\", op: \"sum\", value: \"profit\" },\n              { name: \"scheduledPrincipalTotal\", op: \"sum\", value: \"scheduledPrincipal\" },\n              { name: \"capturedScheduleCount\", op: \"count\" },\n              { name: \"oldestUnpaidDays\", op: \"maximum\", value: \"daysPastDue\" }\n            ]\n          },\n          {\n            dataset: \"borrowerAccounts\",\n            local: \"borrowerAccount\",\n            foreign: \"accountId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerParticipant\", op: \"minimum\", value: \"participant\" }\n            ]\n          },\n          {\n            dataset: \"borrowers\",\n            local: \"borrowerParticipant\",\n            foreign: \"participantId\",\n            cardinality: \"one\",\n            missing: \"refuse\",\n            aggregates: [\n              { name: \"borrowerEntity\", op: \"minimum\", value: \"entityId\" }\n            ]\n          }\n        ],\n        expressions: [\n          {\n            id: \"threshold\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: default_days\n          },\n          {\n            id: \"zero\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 0\n          },\n          {\n            id: \"one\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: 1\n          },\n          {\n            id: \"zeroMoney\",\n            op: \"literal\",\n            type: { kind: \"money\", currency: \"SAR\" },\n            value: \"0\"\n          },\n          { id: \"pastThreshold\", op: \"atMost\", left: \"threshold\", right: \"oldestUnpaidDays\" },\n          { id: \"isDefault\", op: \"and\", left: \"active\", right: \"pastThreshold\" },\n          { id: \"activeCount\", op: \"choose\", condition: \"active\", yes: \"one\", no: \"zero\" },\n          { id: \"defaultCount\", op: \"choose\", condition: \"isDefault\", yes: \"one\", no: \"zero\" },\n          { id: \"writeOffCount\", op: \"choose\", condition: \"writtenOff\", yes: \"one\", no: \"zero\" },\n          { id: \"activePrincipal\", op: \"choose\", condition: \"active\", yes: \"outstandingPrincipal\", no: \"zeroMoney\" },\n          { id: \"defaultPrincipal\", op: \"choose\", condition: \"isDefault\", yes: \"outstandingPrincipal\", no: \"zeroMoney\" }\n        ],\n        groupBy: [  ],\n        aggregates: [\n          { name: \"activeFacilities\", op: \"sum\", value: \"activeCount\" },\n          { name: \"defaultFacilities\", op: \"sum\", value: \"defaultCount\" },\n          { name: \"writtenOffFacilities\", op: \"sum\", value: \"writeOffCount\" },\n          { name: \"activePrincipalMinor\", op: \"sum\", value: \"activePrincipal\" },\n          { name: \"defaultPrincipalMinor\", op: \"sum\", value: \"defaultPrincipal\" }\n        ],\n        resultExpressions: [\n          { id: \"countRate\", op: \"ratio\", numerator: \"defaultFacilities\", denominator: \"activeFacilities\", scale: ratio_scale, rounding: ratio_rounding, zero: \"null\" },\n          { id: \"principalRate\", op: \"ratio\", numerator: \"defaultPrincipalMinor\", denominator: \"activePrincipalMinor\", scale: ratio_scale, rounding: ratio_rounding, zero: \"null\" },\n          {\n            id: \"restructuringEvidence\",\n            op: \"literal\",\n            type: { kind: \"text\" },\n            value: \"unavailable\"\n          },\n          {\n            id: \"defaultDays\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: default_days\n          },\n          {\n            id: \"rateScale\",\n            op: \"literal\",\n            type: { kind: \"integer\" },\n            value: ratio_scale\n          }\n        ]\n      },\n      validation: {\n        empty: \"refuse\",\n        required: [ \"borrowerEntity\" ],\n        reconcile: [  ],\n        rowReconcile: [\n          { left: \"originalPrincipal\", right: \"scheduledPrincipalTotal\" },\n          { left: \"scheduleCount\", right: \"capturedScheduleCount\" }\n        ],\n        unavailableFacts: [  ],\n        lockTimeoutMs: lock_wait_ms,\n        captureTimeoutMs: capture_ms,\n        maxRows: max_rows,\n        maxJoinRows: max_join_rows,\n        maxBytes: max_bytes\n      },\n      output: {\n        profile: \"internal.v1\",\n        formats: [ \"json\", \"csv\" ],\n        columns: [\n          {\n            name: \"activeFacilities\",\n            label: \"activeFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"defaultFacilities\",\n            label: \"defaultFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"writtenOffFacilities\",\n            label: \"writtenOffFacilities\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"activePrincipalMinor\",\n            label: \"activePrincipalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"defaultPrincipalMinor\",\n            label: \"defaultPrincipalMinor\",\n            type: { kind: \"money\", currency: \"SAR\" }\n          },\n          {\n            name: \"countRate\",\n            label: \"countRate\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"principalRate\",\n            label: \"principalRate\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"restructuringEvidence\",\n            label: \"restructuringEvidence\",\n            type: { kind: \"text\" }\n          },\n          {\n            name: \"defaultDays\",\n            label: \"defaultDays\",\n            type: { kind: \"integer\" }\n          },\n          {\n            name: \"rateScale\",\n            label: \"rateScale\",\n            type: { kind: \"integer\" }\n          }\n        ],\n        sort: [ \"activeFacilities\" ]\n      },\n      authority: {\n        request: [ \"owner\", \"finance\" ],\n        read: [ \"owner\", \"admin\", \"operations\", \"finance\", \"viewer\" ],\n        release: [  ],\n        retention: { policy: \"report_replay\", years: retention_years }\n      }\n    }\n  ]\n}\n"],
     ["savings.hsx", "header savings\n\n// Economics: Contributions and returned pots are principal, not company earnings.\n\n// Expose circle.create and membership.create; create one pending contribution\n// record per member per circle date before membership.activate. Circle activation\n// is clock-owned and needs exactly members joined memberships at or after startsAt.\n// Membership.activate needs the active circle and its full pending schedule.\n// Membership.received means the member received the pot. Contribution.paid means\n// one contribution was collected. Neither record's state proves the other's state.\n// A member can have received the pot with future unpaid contributions, or paid\n// a contribution while their membership still waits for its payout seat.\n// Receive counts preceding received memberships, never paid contributions.\n// Eight members at 300 SAR require 2400 SAR per payout; seven payments supply 2100,\n// so a full payout lacks 300 unless other cash exists. There is no reduced payout.\n// Contribution.pay has a due time and no deadline or prior-payment requirement.\n// Late and out-of-order collection is admitted while membership is active or\n// received and circle is active. Clock admission does not promise scheduler retry.\n// Circle.close needs every membership received and an empty held account.\n// Circle creation collects circleDates, one date per member for contributions and payouts.\n\n// Cost: circle.create declares one owned account. Each contribution payment\n// and each pot payout declares one transfer. Multiply by the actual member and\n// period counts for a completed circle; hsx cost reports per-action bounds.\n\ninstrument circle(contribution: money, members: integer(1, 60), starts: date, memberships: ref<savings.membership> = object(savings.membership)) {\n  summary: \"A fixed group contributes on its explicit calendar and takes the pot in order.\"\n  fields { contribution: money = contribution, members: integer = members, startsAt: date = starts, circleDates: list(date, members), pot: money = multiply(self.contribution, self.members), held: account of self }\n  lifecycle { states: [forming, active, closed, disbanded], initial: forming }\n  action create { }\n  action activate {\n    from: forming, to: active, actor: clock, due: { at: self.startsAt }\n    requires count of { instrument: memberships, reference: \"circle\", anchor: self.id, states: [joined], limit: 60 } == self.members\n  }\n  action close {\n    from: active, to: closed\n    requires count of { instrument: memberships, reference: \"circle\", anchor: self.id, states: [received], limit: 60 } == self.members\n    requires self.held.balance == \"0\"\n  }\n  action disband { from: forming, to: disbanded }\n}\n\ninstrument membership(circle: ref<savings.circle>, member: party) {\n  summary: \"A member contributes on the circle calendar and receives the pot in the assigned seat.\"\n  fields { circle: ref<circle>, member: account of member, seat: integer(1, 60), preceding: integer = subtract(self.seat, 1), receivesAt: date = at(self.circle.circleDates, self.seat), contribution: money = self.circle.contribution, total: money = self.circle.pot }\n  lifecycle { states: [joined, active, received, withdrawn], initial: joined }\n  action create { requires self.seat <= self.circle.members; requires self.circle in [forming]; requires unique \"circle_seat\" on [self.circle, self.seat]; requires unique \"circle_member\" on [self.circle, self.member] }\n  action activate {\n    from: joined, to: active\n    requires self.circle in [active]\n    requires count of { instrument: contribution, reference: \"membership\", anchor: self.id, states: [pending], limit: 60 } == self.circle.members\n  }\n  action receive {\n    from: active, to: received, actor: clock, due: { at: self.receivesAt }\n    requires self.circle in [active]\n    requires count of { instrument: all(savings.membership), reference: \"circle\", anchor: self.circle, states: [received], limit: 60 } == self.preceding\n    moves self.total from self.circle.held to self.member economics { purpose: principal, sourceParty: programOperator }\n  }\n  action withdraw { from: joined, to: withdrawn, requires self.circle in [disbanded] }\n  records {\n    contribution: {\n      fields { membership: ref<parent>, period: integer(1, 60), dueAt: date = at(self.membership.circle.circleDates, self.period), amount: money = self.membership.contribution }\n      lifecycle { states: [pending, paid], initial: pending }\n      action create { requires self.period <= self.membership.circle.members; requires self.membership in [joined]; requires unique \"seat_period\" on [self.membership, self.period] }\n      action pay { from: pending, to: paid, actor: clock, due: { at: self.dueAt }, requires self.membership in [active, received]; requires self.membership.circle in [active], moves self.amount from self.membership.member to self.membership.circle.held economics { purpose: principal, sourceParty: member } }\n    }\n  }\n}\n"],
-    ["travel.hsx", "header travel\n\n// Economics: Booking funds and refunds are principal. Supplier payments are payouts,\n// tax is pass-through, and the company margin is earning. An outside operator\n// receives a participant payout instead of company earnings.\n\n// Publish a package before booking.create. Expose deposit, balance and confirm\n// separately. Deposit needs pending premium slices whose cover is active, and\n// collects those premiums in addition to booking cash. Balance is due by balanceAt.\n// Expose cancel_early, cancel_middle and cancel_late for the desired booking paths.\n// Early returns all held booking cash, whether deposit-only or fully paid. Middle\n// returns held minus the original deposit; a deposit-only booking gets zero.\n// Supplier penalty is based on supplierCost; tax applies to retained margin,\n// and the bound operator receives the remainder. Late returns no buyer cash.\n// Middle opens at earlyAt and ends at lateAt, which is middleAt plus 1ms; late\n// starts there. Default_balance can already cancel a deposit_paid booking at\n// balanceAt, after which no booking cancellation is reachable. Clock order matters.\n// Booking refunds exclude insurance premiums, broker commission and all balances\n// outside booking.held. Expose cover.cancel independently to refund eligible paid\n// premium periods before startsAt; slice.refund is parent-owned. Active/expired\n// premium periods remain excluded. Confirmation timeout returns the full booking\n// price from paid only. A penalty above held cash or retained deposit refuses;\n// this header does not subsidize a shortfall or reduce the configured penalty.\n\n// Cost: booking.create declares one owned account. Deposit also invokes premium\n// collections; cancellation declares the selected refund, penalty, tax and retained\n// moves. Run hsx cost for bounded counts. Supplier penalties are business terms,\n// not compiler or executor fees.\n\ninstrument package(price: money, supplier_cost: money, departure: date) {\n  constraints { supplier_cost: at_most(price) }\n  summary: \"Immutable package price, supplier cost and departure.\"\n  fields { price: money = price, supplierCost: money = supplier_cost, departure: date = departure }\n  lifecycle { states: [draft, published, closed], initial: draft }\n  action create { requires self.supplierCost <= self.price }\n  action publish { from: draft, to: published }\n  action close { from: published, to: closed, actor: clock, due: { at: self.departure } }\n}\n\ninstrument booking(package: ref<travel.package>, buyer: party, supplier: party, operator: party = programOperator, cover: ref<insurance.cover>, deposit: percent = 30%, balance_before: duration = 14d, confirm_within: duration = 24h, tax: percent = 15%, early_before: duration = 30d, middle_before: duration = 15d, middle_penalty: percent = 10%, late_penalty: percent = 30%) {\n  constraints { early_before: greater_than(middle_before) }\n  summary: \"A deposited booking with three cancellation bands and confirmation.\"\n  fields {\n    package: ref<package>, buyer: account of buyer, supplier: account of supplier\n    price: money = self.package.price, supplierCost: money = self.package.supplierCost\n    deposit: money = rate(self.price, deposit), balance: money = subtract(self.price, self.deposit)\n    margin: money = subtract(self.price, self.supplierCost)\n    tax: money = rate(self.margin, tax), operatorNet: money = subtract(self.margin, self.tax)\n    middlePenalty: money = rate(self.supplierCost, middle_penalty)\n    latePenalty: money = rate(self.supplierCost, late_penalty)\n    balanceAt: date = before(self.package.departure, balance_before)\n    earlyAt: date = before(self.package.departure, early_before)\n    middleAt: date = before(self.package.departure, middle_before)\n    lateAt: date = after(self.middleAt, 1ms)\n    confirmBy: date = after(self.package.departure, confirm_within)\n    held: account of self\n    refund: money?, retainedMargin: money?, retainedTax: money?, retainedNet: money?\n  }\n  lifecycle { states: [created, deposit_paid, paid, completed, cancelled, refunded], initial: created }\n  action create {\n    requires self.package in [published]\n  }\n  action deposit { allowZero: true, requires self.price > \"0\";\n    from: created, to: deposit_paid, actor: { party: buyer }, deadline: { at: self.balanceAt }\n    requires count of { instrument: child(cover, slice), reference: \"covers\", anchor: self.id, states: [pending], limit: 366 } >= 1\n    moves self.deposit from buyer to self.held economics { purpose: principal, sourceParty: buyer }\n    invoke: [{ selection: { instrument: child(cover, slice), reference: \"covers\", anchor: self.id, states: [pending], limit: 366 }, action: collect, input: {} }]\n  }\n  action balance { allowZero: true, requires self.price > \"0\";\n    from: deposit_paid, to: paid, actor: { party: buyer }, deadline: { at: self.balanceAt }\n    moves self.balance from buyer to self.held economics { purpose: principal, sourceParty: buyer }\n  }\n  action confirm { allowZero: true, requires self.price > \"0\";\n    from: paid, to: completed, actor: { party: operator }\n    due: { at: self.package.departure }, deadline: { at: self.confirmBy }\n    moves self.supplierCost from self.held to supplier economics { purpose: participant_payout, sourceParty: programOperator }\n    moves self.tax from self.held to programTax economics { purpose: pass_through, sourceParty: programOperator }\n    moves self.operatorNet from self.held to operator economics { recipient: operator, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n  action timeout {\n    from: paid, to: refunded, actor: clock, due: { at: self.confirmBy }\n    moves self.price from self.held to buyer economics { purpose: principal, sourceParty: programOperator }\n  }\n  action cancel_early { allowZero: true, purpose: option, requires self.price > \"0\";\n    from: [deposit_paid, paid], to: cancelled, actor: { party: buyer }, deadline: { at: self.earlyAt }\n    moves self.held.balance from self.held to buyer economics { purpose: principal, sourceParty: programOperator }\n  }\n  action cancel_middle { allowZero: true, purpose: option, requires self.price > \"0\";\n    from: [deposit_paid, paid], to: cancelled, actor: { party: buyer }, due: { at: self.earlyAt }, deadline: { at: self.lateAt }\n    calculate: [\n      { target: refund, op: \"subtract\", base: { field: self.held.balance }, subtract: [{ field: self.deposit }] }\n      { target: retainedMargin, op: \"subtract\", base: { field: self.deposit }, subtract: [{ field: self.middlePenalty }] }\n      { target: retainedTax, op: \"rate\", base: { field: self.retainedMargin }, bps: { literal: tax }, rounding: \"floor\" }\n      { target: retainedNet, op: \"subtract\", base: { field: self.retainedMargin }, subtract: [{ field: self.retainedTax }] }\n    ]\n    moves self.refund from self.held to buyer economics { purpose: principal, sourceParty: programOperator }\n    moves self.middlePenalty from self.held to supplier economics { purpose: participant_payout, sourceParty: programOperator }\n    moves self.retainedTax from self.held to programTax economics { purpose: pass_through, sourceParty: programOperator }\n    moves self.retainedNet from self.held to operator economics { recipient: operator, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n  action cancel_late { allowZero: true, purpose: option, requires self.price > \"0\";\n    from: [deposit_paid, paid], to: cancelled, actor: { party: buyer }, due: { at: self.lateAt }\n    calculate: [\n      { target: retainedMargin, op: \"subtract\", base: { field: self.held.balance }, subtract: [{ field: self.latePenalty }] }\n      { target: retainedTax, op: \"rate\", base: { field: self.retainedMargin }, bps: { literal: tax }, rounding: \"floor\" }\n      { target: retainedNet, op: \"subtract\", base: { field: self.retainedMargin }, subtract: [{ field: self.retainedTax }] }\n    ]\n    moves self.latePenalty from self.held to supplier economics { purpose: participant_payout, sourceParty: programOperator }\n    moves self.retainedTax from self.held to programTax economics { purpose: pass_through, sourceParty: programOperator }\n    moves self.retainedNet from self.held to operator economics { recipient: operator, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n  action default_balance { allowZero: true, requires self.price > \"0\";\n    from: deposit_paid, to: cancelled, actor: clock, due: { at: self.balanceAt }\n    calculate: [\n      { target: retainedMargin, op: \"subtract\", base: { field: self.held.balance }, subtract: [{ field: self.latePenalty }] }\n      { target: retainedTax, op: \"rate\", base: { field: self.retainedMargin }, bps: { literal: tax }, rounding: \"floor\" }\n      { target: retainedNet, op: \"subtract\", base: { field: self.retainedMargin }, subtract: [{ field: self.retainedTax }] }\n    ]\n    moves self.latePenalty from self.held to supplier economics { purpose: participant_payout, sourceParty: programOperator }\n    moves self.retainedTax from self.held to programTax economics { purpose: pass_through, sourceParty: programOperator }\n    moves self.retainedNet from self.held to operator economics { recipient: operator, company: { purpose: earning, sourceParty: buyer }, participant: { purpose: participant_payout, sourceParty: programOperator } }\n  }\n}\n"],
     ["wallet.hsx", "header wallet\n\n// Economics: Topups and withdrawals are excluded prepaid credit. Spending remains\n// unclassified because the bound payee alone does not state the purchase purpose.\n\n// Expose balance.create, activate, topup and withdraw as needed. Holder moves\n// cash only while active. Freeze blocks new topups, withdrawals and spend reserves;\n// close requires no held cash. Freeze/unfreeze use caller operation authority.\n// A separate spend record checks its amount against spendLimit at creation.\n// Expose reserve, pay and cancel for the bound payee. Reserve requires an active\n// wallet before expiresAt; pay posts the whole reservation, cancel/expiry void it.\n// Existing reservations may still post after the wallet freezes. There is no\n// daily aggregate limit, partial spend or card-network settlement in this header.\n\n// Cost: balance.create declares one owned account; topup and withdraw each\n// declare one transfer. Spend reserve, pay and cancel each declare one transfer\n// instruction. These are counts, not the executor tariff.\n\ninstrument balance(holder: party, spend_limit: money = 100000 SAR) {\n  summary: \"A holder's reusable balance with an immutable per-spend ceiling.\"\n  fields { holder: account of holder, held: account of self, spendLimit: money = spend_limit }\n  lifecycle { states: [pending, active, frozen, closed], initial: pending }\n  action create { }\n  action activate { from: pending, to: active, actor: { party: holder } }\n  action topup {\n    from: active, to: active, actor: { party: holder }\n    input { amount: money }\n    moves input.amount from holder to self.held economics { purpose: prepaid_credit, sourceParty: holder }\n  }\n  action withdraw {\n    from: active, to: active, actor: { party: holder }\n    input { amount: money }\n    moves input.amount from self.held to holder economics { purpose: prepaid_credit, sourceParty: programOperator }\n  }\n  action freeze { from: active, to: frozen, }\n  action unfreeze { from: frozen, to: active, }\n  action close { from: [pending, active], to: closed, requires self.held.balance == \"0\" }\n}\n\ninstrument spend(wallet: ref<wallet.balance>, payee: party) {\n  summary: \"Reserve one wallet spend, then post or void the same reservation.\"\n  fields { wallet: ref<wallet>, amount: money, expiresAt: date, reservation: text? }\n  lifecycle { states: [pending, reserved, paid, cancelled, expired], initial: pending }\n  action create {\n    requires self.wallet in [active]\n    requires self.amount <= self.wallet.spendLimit\n  }\n  action reserve {\n    from: pending, to: reserved, actor: { party: payee }\n    requires self.wallet in [active]\n    deadline: { at: self.expiresAt }\n    moves reserve self.amount from self.wallet.held to payee capture \"reservation\"\n  }\n  action pay { from: reserved, to: paid, actor: { party: payee }, moves post self.reservation }\n  action cancel { from: reserved, to: cancelled, actor: { party: payee }, moves void self.reservation }\n  action expire { from: reserved, to: expired, actor: clock, due: { at: self.expiresAt }, moves void self.reservation }\n}\n"],
 ]);
 //# sourceMappingURL=std-bundle.js.map

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

@@ -1 +1 @@
-{"version":3,"file":"std-bundle.js","sourceRoot":"","sources":["../../src/std-bundle.ts"],"names":[],"mappings":"AAAA,oEAAoE;AAEpE,MAAM,CAAC,MAAM,iBAAiB,GAAgC,IAAI,GAAG,CAAiB;IACpF,CAAC,WAAW,EAAE,2oKAA2oK,CAAC;IAC1pK,CAAC,iBAAiB,EAAE,2sNAA2sN,CAAC;IAChuN,CAAC,YAAY,EAAE,+qHAA+qH,CAAC;IAC/rH,CAAC,eAAe,EAAE,6m+DAA6m+D,CAAC;IACho+D,CAAC,eAAe,EAAE,01KAA01K,CAAC;IAC72K,CAAC,aAAa,EAAE,qwTAAqwT,CAAC;IACtxT,CAAC,iBAAiB,EAAE,woTAAwoT,CAAC;IAC7pT,CAAC,WAAW,EAAE,u1VAAu1V,CAAC;IACt2V,CAAC,eAAe,EAAE,649CAA649C,CAAC;IACh69C,CAAC,aAAa,EAAE,85JAA85J,CAAC;IAC/6J,CAAC,YAAY,EAAE,o7SAAo7S,CAAC;IACp8S,CAAC,YAAY,EAAE,2jGAA2jG,CAAC;CAC5kG,CAAC,CAAC"}
+{"version":3,"file":"std-bundle.js","sourceRoot":"","sources":["../../src/std-bundle.ts"],"names":[],"mappings":"AAAA,oEAAoE;AAEpE,MAAM,CAAC,MAAM,iBAAiB,GAAgC,IAAI,GAAG,CAAiB;IACpF,CAAC,WAAW,EAAE,2oKAA2oK,CAAC;IAC1pK,CAAC,iBAAiB,EAAE,2sNAA2sN,CAAC;IAChuN,CAAC,YAAY,EAAE,+qHAA+qH,CAAC;IAC/rH,CAAC,eAAe,EAAE,6m+DAA6m+D,CAAC;IACho+D,CAAC,eAAe,EAAE,01KAA01K,CAAC;IAC72K,CAAC,aAAa,EAAE,qwTAAqwT,CAAC;IACtxT,CAAC,iBAAiB,EAAE,woTAAwoT,CAAC;IAC7pT,CAAC,WAAW,EAAE,u1VAAu1V,CAAC;IACt2V,CAAC,eAAe,EAAE,+q2BAA+q2B,CAAC;IACls2B,CAAC,aAAa,EAAE,85JAA85J,CAAC;IAC/6J,CAAC,YAAY,EAAE,2jGAA2jG,CAAC;CAC5kG,CAAC,CAAC"}

package/dist/src/version.d.ts

@@ -1,2 +1,2 @@
-export declare const HSX_VERSION = "5.8.0";
+export declare const HSX_VERSION = "6.1.0";
 //# sourceMappingURL=version.d.ts.map

package/dist/src/version.js

@@ -1,2 +1,2 @@
-export const HSX_VERSION = "5.8.0";
+export const HSX_VERSION = "6.1.0";
 //# sourceMappingURL=version.js.map

package/docs/README.md

@@ -157,8 +157,7 @@ and basis points. Fee and tax calculations round down. Split percentages sum to
 100%; the last declared recipient receives the rounding remainder. Finite
 schedules use positions 1 through n and put the division remainder in position 1.
 Tax binds `programTax`. Fees default to `programOperator`. Fine, recovery and
-residual destinations are party tunables. Unused `programFines` and `programCosts`
-bindings are omitted.
+residual destinations are party tunables.
 
 Attached actions are private unless the attachment exposes them with
 `expose fund as sell`. Exposure grants no authority. Clock and parent actions
@@ -179,8 +178,7 @@ A missing binding refuses before money moves. Reference paths such as
 
 `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
-mode is not supported.
+followed by instruction-bound evidence and a post or void.
 Outstanding debt is an account balance. The library pairs cash repayment with
 claim reduction and represents receipts as immutable child records. Cash and loss
 shares round down; the declared residual account receives leftover minor units.
@@ -364,7 +362,7 @@ The compiler API is `compile(source)`. On success, `result.verdict` is `valid`
 and `result.artifacts` contains `document`, `costManifest` and `originMap`.
 On refusal, inspect `result.diagnostics`; no artifact is returned.
 
-The [header inventory](headers.md) is generated from the declarations. The
+`hsx headers` prints the instrument inventory from the declarations. The
 [object example](../examples/library.hsx) shows authenticated role bindings.
 The [playground](../playground/index.html) compiles locally in the browser.
 
@@ -374,19 +372,18 @@ Read the instrument's states, time gates and moves before promising a money
 outcome. A compiler pass does not prove that required actions are exposed,
 adapters are bound, participants have funds, or the flow can finish.
 
-| Instrument                                 | Behavior                                                                                                                                                                                                                                                                                                                     |
-| ------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
-| `financing.installments`                   | `share` allocates collected profit to a cash payable owned by `capital`. It does not itself pay operator income.                                                                                                                                                                                                             |
-| `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 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 seats.                                                                                                                                                                   |
-| `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.                                                                                                                                           |
-| `escrow.hold`                              | Acceptance timeout enters `disputed` without paying the seller. Delivery and return verification belong to `payee`; rebinding it also changes who receives accepted funds.                                                                                                                                                   |
-| `financing.late_charge`                    | `fine` is a fixed money amount, not a percentage of overdue principal.                                                                                                                                                                                                                                                       |
-| `cards.card`                               | `spend_limit` is a per-authorization ceiling, not a monthly aggregate.                                                                                                                                                                                                                                                       |
+| Instrument                                 | Behavior                                                                                                                                                                                                         |
+| ------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| `financing.installments`                   | `share` allocates collected profit to a cash payable owned by `capital`. It does not itself pay operator income.                                                                                                 |
+| `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 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. |
+| `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 seats.                                                       |
+| `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.                               |
+| `escrow.hold`                              | Acceptance timeout enters `disputed` without paying the seller. Delivery and return verification belong to `payee`; rebinding it also changes who receives accepted funds.                                       |
+| `financing.late_charge`                    | `fine` is a fixed money amount, not a percentage of overdue principal.                                                                                                                                           |
+| `cards.card`                               | `spend_limit` is a per-authorization ceiling, not a monthly aggregate.                                                                                                                                           |
 
 A seller-owned marketplace object can declare `entryActions: [create_order]`
 when `create_order` exposes an attachment's create action with its buyer bound
@@ -431,7 +428,7 @@ still need dates, agreement inputs, funded wallets and eligible settlements.
 References without an explicit creation input require one matching agreement on
 the object. In particular, lending distributions with multiple settlements or
 commitments need authored selectors before callers can choose among them.
-Insurance and travel need premium-slice records and actions. Savings needs dated
+Insurance needs premium-slice records and actions. Savings needs dated
 contribution records. Read each header's creation and lifecycle requirements.
 
 ## Checkout and reversals
@@ -477,6 +474,28 @@ scheduler retries or permit a payout larger than the available cash.
 
 ## Posted economics in the money flows
 
+An attachment can declare the purpose of an imported action's money:
+
+```hsx
+attach visit = wallet.spend {
+  wallet: balance, payee: operator
+  economics pay { purpose: earning, sourceParty: owner }
+  expose pay as charge_visit
+}
+```
+
+Name the original action, before its public alias. If it has several moves,
+select a move key, for example `economics pay.move1 { ... }`. The compiler
+refuses an unknown action or move, a repeated selection, a void, or economics
+that conflict with the instrument or its reservation. Cash purposes require
+cash accounts. `sourceParty` resolves a party parameter, a subject role or a
+declared business. The attachment retains this binding even when only economics
+uses it. The credited account supplies the destination participant.
+
+The compiler writes the declaration into that attachment's UDL move. Imported
+instruments stay generic. New Builds carry the purpose; existing agreements
+and postings keep their retained Build and classification.
+
 Held customer funding and its unspent return are `principal`. A release for the
 company's sale is `earning`. A payment from company cash to another participant
 is `participant_payout`. Claims, waivers, write-offs and own-account allocations
@@ -490,7 +509,7 @@ earning, sourceParty: payer }, fee: { purpose: earning, sourceParty: payer },
 tax: { purpose: pass_through, sourceParty: payer } }`. These describe authored
 product fees. Automatic platform fees keep their commercial classification.
 
-Any economics block can select by a resolved party: `economics { recipient:
+A move's economics block can select by a resolved party: `economics { recipient:
 recipient, company: { purpose: earning, sourceParty: payer }, participant:
 { purpose: participant_payout, sourceParty: programOperator } }`. The compiler
 chooses `company` for `operator`, `programOperator`, or a declared party with the

package/examples/insurance.hsx

@@ -10,6 +10,7 @@ object device "Insured device" {
   attach purchase = money.transfer {
     expose create as create_purchase
     payer: owner, payee: operator
+    economics pay { purpose: earning, sourceParty: owner }
     expose pay as pay_for_device
   }
   // Bind device_insurer to an ADL adapter before creating cover. Premiums net of commission go to its account.

package/examples/money.hsx

@@ -12,6 +12,7 @@ object lesson "Lesson" {
   attach payment = money.transfer {
     expose create as create_payment
     payer: actor, payee: operator, amount: 150 SAR
+    economics pay { purpose: earning, sourceParty: actor }
     expose pay as pay_for_lesson
     expose cancel as cancel_payment
   }

package/examples/wallet.hsx

@@ -16,6 +16,7 @@ object membership "Membership" {
   attach visit = wallet.spend {
     expose create as create_visit
     wallet: balance, payee: operator
+    economics pay { purpose: earning, sourceParty: owner }
     expose reserve as reserve_visit
     expose pay as charge_visit
     expose cancel as cancel_visit

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@hyperscale0/hsx",
-  "version": "5.8.0",
+  "version": "6.1.0",
   "description": "The strictly typed HSX language: compile total financial programs into canonical UDL.",
   "keywords": [
     "hsx",
@@ -75,18 +75,17 @@
     "build": "bun run generate && tsc -p tsconfig.build.json && tsc -p playground/tsconfig.json && bun scripts/build-playground.ts",
     "typecheck": "tsc -p tsconfig.json",
     "test": "bun test test",
-    "docs:build": "bun scripts/docs.ts",
     "postpack": "bun scripts/pack-exports.ts restore",
     "prepack": "bun run build && bun scripts/pack-exports.ts apply",
     "std:bundle": "bun scripts/bundle-std.ts",
-    "generate": "bun run std:bundle && bun run examples:bundle && bun run docs:build",
+    "generate": "bun run std:bundle && bun run examples:bundle",
     "prepare": "bun run std:bundle && bun run examples:bundle",
     "check": "bun run typecheck && tsc -p playground/tsconfig.json && bun test test",
     "examples:bundle": "bun scripts/bundle-examples.ts"
   },
   "dependencies": {
-    "@hyperscale0/adl": "1.0.0-beta.10",
-    "@hyperscale0/udl": "4.9.0",
+    "@hyperscale0/adl": "1.0.0-beta.11",
+    "@hyperscale0/udl": "5.1.0",
     "fast-sha256": "1.3.0"
   },
   "devDependencies": {
@@ -98,5 +97,5 @@
     "Amir Ayub",
     "Sara AlBakaawi"
   ],
-  "gitHead": "d368f9b62ba1bd8d75e48e77acca613c750ad0b0"
+  "gitHead": "738efd2e6897ef6d1fa399d89f470a1a648f54bd"
 }