[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_106":107,"_108":109},"routes/embed.x.$handle.$name.$",{"_9":10,"_11":12,"_13":14,"_15":16,"_17":18,"_19":20,"_21":-5},"handle","uttiyam","name","IDfy_Prop","path","MSME-lending-MY/profileiq_payload_d.ts","project",{"_22":48,"_11":12,"_35":49,"_50":-5,"_51":44,"_52":53,"_54":53,"_55":56,"_57":-5,"_58":59,"_60":61,"_62":34,"_63":-5,"_64":-5,"_65":66,"_67":68,"_69":-5,"_70":-5,"_71":-5,"_72":-5,"_73":74,"_75":74,"_76":77,"_78":77,"_79":77,"_80":74,"_81":74,"_82":83,"_84":85,"_86":87,"_88":44},"file",{"_22":23,"_11":24,"_25":26,"_27":28,"_29":30,"_31":32,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":-5,"_13":46},"permalink","https://www.val.town/x/uttiyam/IDfy_Prop/code/MSME-lending-MY/profileiq_payload_d.ts","extension","id","a3198eea-b524-49d0-9074-633848d3562b","profileiq_payload_d.ts","fileId","a859aa0e-ac87-11f1-9476-1607ee4eb77e","parentId","8ff10096-ac5c-11f1-b257-1607ee4eb77e","branchId","df48c4e7-05fa-432b-a459-74b0de46b89d","branchVersion",79,"latest",true,"createdAt",["D",1788990222665],"version",10,"fileType","http","content","/**\n * ProfileIQ MY — APP_HTML_D (plain text, part 4/5).\n */\nexport const APP_HTML_D =\n ` {k:'seasonal',q:'How much do sales rise during festive season (Raya, CNY, Deepavali)?', opts:['Not much','Noticeably','They double','More than double']}],\n 'Grocery and convenience':[\n {k:'credit', q:'Do you sell on hutang or credit?', opts:['Never','Sometimes','Often','Most sales']},\n {k:'stockturn',q:'How often do you restock the shelves?', opts:['Daily','Twice a week','Weekly','Fortnightly']},\n {k:'stockvalue',q:'Roughly what is the stock on your shelves worth?', opts:['Under 4,000','4,000 to 12,000','12,000 to 33,000','More than 33,000']},\n {k:'eload', q:'Do you also sell prepaid reload or take bills payments?', opts:['No','prepaid reload only','Bills payment only','Both']},\n {k:'seasonal',q:'How much do sales rise during festive season (Raya, CNY, Deepavali)?', opts:['Not much','Noticeably','They double','More than double']}],\n 'Pharmacy':[\n {k:'rx', q:'Do you dispense prescription medicines?', opts:['Yes, regularly','Occasionally','Over-the-counter only']},\n {k:'fda', q:'Is your NPRA / Poison licence current?', opts:['Yes, current','Renewing now','Expired','Not sure']},\n {k:'pharmacist',q:'Is a registered pharmacist here during opening hours?', opts:['Always','Part of the day','No']},\n {k:'distributor',q:'What terms do your distributors give you?', opts:['Cash only','15 days','30 days','45 days or more']},\n {k:'thirdparty',q:'Do you accept MySejahtera, SOCSO or insurance panels?', opts:['No','SOCSO panel','Private insurance','Both']}],\n 'Automotive':[\n {k:'jobs', q:'How many jobs do you take in a week?', opts:['Under 10','10 to 25','25 to 50','More than 50']},\n {k:'bays', q:'How many service bays or lifts do you have?', opts:['One','Two or three','Four or five','More than five']},\n {k:'parts', q:'Do you buy parts on supplier credit?', opts:['No, cash','30 days','60 days','Mixed']},\n {k:'panel', q:'Are you on any insurer or fleet panel?', opts:['No','One','Several','It is most of our work']},\n {k:'debtor', q:'How long do insurer or fleet jobs take to pay?', opts:['We are paid on the day','Under 30 days','30 to 60 days','More than 60 days']}],\n 'Personal care':[\n {k:'chairs', q:'How many chairs or stations?', opts:['1 or 2','3 to 5','6 to 10','More than 10']},\n {k:'services',q:'What do you offer?', opts:['Hair only','Hair and nails','Full service','Hair and spa']},\n {k:'staffpay',q:'Are your staff salaried or on commission?', opts:['Just me','Salaried','Commission','A mix']},\n {k:'equipment',q:'Is your main equipment owned or still on instalment?', opts:['Owned','Some financed','Mostly financed','Rented']},\n {k:'repeat', q:'How much of your work is regular customers?', opts:['Mostly walk-ins','About half','Mostly regulars','Almost all regulars']}],\n 'Apparel and footwear':[\n {k:'location',q:'Is this a standalone shop, a mall unit or a market stall?', opts:['Standalone','Mall or shopping centre','Market stall','Online with a shop']},\n {k:'stockvalue',q:'Roughly what is the stock on the floor worth?', opts:['Under 16,000','16,000 to 42,000','42,000 to 80,000','More than 80,000']},\n {k:'restock',q:'How often do you bring in new stock?', opts:['Weekly','Fortnightly','Monthly','By season']},\n {k:'online', q:'Do you also sell on Shopee, Lazada or TikTok Shop?', opts:['No','One platform','Several','Mostly online']},\n {k:'seasonal',q:'How much do sales rise during festive season (Raya, CNY, Deepavali)?', opts:['Not much','Noticeably','They double','More than double']}],\n 'Hardware and construction':[\n {k:'trade', q:'How many contractors or tradespeople buy from you regularly?', opts:['Under five','5 to 15','15 to 30','More than 30']},\n {k:'stockvalue',q:'Roughly what is the stock on the floor worth?', opts:['Under 25,000','25,000 to 60,000','60,000 to 125,000','More than 125,000']},\n {k:'tradecredit',q:'Do you sell to contractors on credit?', opts:['Never','Sometimes','Often','Most sales']},\n {k:'dealer', q:'Are you an authorised dealer for any brand?', opts:['No','One brand','Several brands']},\n {k:'delivery',q:'Do you deliver, and do you own the vehicle?', opts:['No delivery','We hire one','We own one','We own several']}],\n 'Electronics and appliances':[\n {k:'stockvalue',q:'Roughly what is the stock on the floor worth?', opts:['Under 25,000','25,000 to 60,000','60,000 to 125,000','More than 125,000']},\n {k:'instalment',q:'Do you sell on instalment or through a financing partner?', opts:['No','Sometimes','Often','Most sales']},\n {k:'service',q:'Do you also repair what you sell?', opts:['No','Warranty only','Yes, for anyone']},\n {k:'dealer', q:'Are you an authorised dealer for any brand?', opts:['No','One brand','Several brands']},\n {k:'online', q:'Do you also sell on Shopee, Lazada or TikTok Shop?', opts:['No','One platform','Several','Mostly online']}],\n 'General merchandise':[\n {k:'stockvalue',q:'Roughly what is the stock on the floor worth?', opts:['Under 8,000','8,000 to 25,000','25,000 to 60,000','More than 60,000']},\n {k:'restock',q:'How often do you restock?', opts:['Daily','Twice a week','Weekly','Fortnightly']},\n {k:'credit', q:'Do you sell on hutang or credit?', opts:['Never','Sometimes','Often','Most sales']},\n {k:'seasonal',q:'How much do sales rise during festive season (Raya, CNY, Deepavali)?', opts:['Not much','Noticeably','They double','More than double']},\n {k:'branches',q:'Do you run more than one outlet?', opts:['Just this one','Two','Three or four','More than four']}],\n 'Logistics and storage':[\n {k:'fleet', q:'How many vehicles do you run?', opts:['One','2 to 4','5 to 10','More than 10']},\n {k:'owned', q:'Are the vehicles owned or financed?', opts:['All owned','Some financed','Mostly financed','Leased']},\n {k:'contract',q:'Do you work on contract or per trip?', opts:['Per trip','Mostly contract','A mix']},\n {k:'debtor', q:'How long do your clients take to pay?', opts:['On the day','Under 30 days','30 to 60 days','More than 60 days']},\n {k:'ltfrb', q:'Are your permits and registrations current?', opts:['All current','Some renewing','Some expired','Not sure']}],\n 'Accommodation':[\n {k:'rooms', q:'How many rooms do you let?', opts:['Under 5','5 to 15','15 to 40','More than 40']},\n {k:'occupancy',q:'What is your usual occupancy?', opts:['Under a quarter','About half','Around three quarters','Nearly full']},\n {k:'channel',q:'Where do bookings come from?', opts:['Walk-ins','Agoda, Booking or Airbnb','Direct regulars','A mix']},\n {k:'dot', q:'Is your local permit and accreditation current?', opts:['All current','Renewing now','Some expired','Not sure']},\n {k:'seasonal',q:'How much do bookings rise in peak season?', opts:['Not much','Noticeably','They double','More than double']}],\n 'Manufacturing / Export':[\n {k:'headcount', q:'How many people work at the factory?', opts:['Under 10','10 to 30','30 to 100','More than 100']},\n {k:'po_backlog',q:'How much do you have in confirmed orders right now?', opts:['Under RM 100k','RM 100k to 500k','RM 500k to 2m','More than RM 2m']},\n {k:'export_markets',q:'Where do most of your exports go?', opts:['Only Malaysia','ASEAN','US or Europe','Everywhere — many markets']},\n {k:'concentration',q:'How much of your revenue comes from your biggest customer?', opts:['Under 20%','20% to 40%','40% to 70%','More than 70%']},\n {k:'tariff_exposure',q:'Are your goods subject to US tariffs or export duties?', opts:['No','Some SKUs','Most of what we ship','All of it']},\n {k:'raw_material',q:'Do your raw material prices change often?', opts:['Stable','Move a bit','Move a lot','Very volatile']},\n {k:'shift_pattern',q:'How is the factory running?', opts:['One shift','Two shifts','Round the clock','Sporadic — order-driven']}]\n };\n\n const fallback=[\n {k:'busiest', q:'When is your busiest month?', opts:['Start of the year','Mid-year','Christmas season','About the same all year']},\n {k:'customers',q:'Who buys from you?', opts:['Walk-in public','Other businesses','Both','Mostly online']},\n {k:'equipment',q:'Is your main equipment owned or still on instalment?', opts:['Owned','Some financed','Mostly financed','Rented']}];\n\n const trade = by[cat&&cat.name] || fallback;\n /* If the category-specific set includes a headcount question, drop\n the generic 'staff' question from base to avoid duplication. */\n const hasHeadcount = trade.some(q=>q.k==='headcount');\n const filteredBase = hasHeadcount ? base.filter(q=>q.k!=='staff') : base;\n return filteredBase.map(q=>Object.assign({g:'About the business'},q))\n .concat(trade.map(q=>Object.assign({g: cat&&cat.name ? 'About running '+article(cat.name)+' business'\n : 'About how you trade'},q)));\n}\n\n/* The order the merchant walks. Documents and ID come first — they are what\n the merchant arrived holding — then an indicative range so the journey pays\n something back before asking for photographs, then the premises, the\n classification that follows from them, and only then the money questions. */\n/* Intent is asked before any financial evidence: we ask for a bank\n statement against a stated purpose, not in the abstract. The indicative\n range therefore sits after the statement, and the offer comes at the end. */\n/* No processing screen and no pre-qualification summary: the merchant\n submits and gets a reference. Both screens are still defined and both\n still work; they are simply not on the merchant's path. */\nlet FLOW = ['start','ask','documents','identity','shopfront',\n 'business','questions','bank','submitted'];\nlet SCREENS = FLOW.map(id=>SCREEN_DEFS.find(s=>s.id===id)).filter(Boolean);\n/* =====================================================================\n ONERISK — the underwriter's view. Never shown to the merchant.\n ===================================================================== */\nconst tickI = c => \\`\\`;\nconst warnI = () => \\`\\`;\nconst chevI = () => \\`\\`;\n\nconst sg = (ax,id) => (RISK.detail[ax]||{})[id];\nfunction factCard(label,value,o){\n o=o||{}; const pend = value==null || value==='';\n return \\`

\\${esc(label)}

\\${pend?'No evidence yet':esc(value)}

\n \\${o.note?\\`

\\${esc(o.note)}

\\`:''}\n \\${!pend&&o.watch?\\`

\\${warnI()}

\\`:''}\n \\${!pend&&!o.watch&&o.ok?\\`

\\${tickI()}

\\`:''}\n

\\`;\n}\nconst group = (t,cards) => \\`

\\${esc(t)}

\\${cards.join('')}

\\`;\n\nfunction sections(){\n const m=money(), s=S.shopai||{}, r=S.registry, aml=S.aml;\n const top=(s.mcc_candidates||[])[0];\n return [\n {k:'identity', axes:['identity'], name:'Identity & UBO', agent:RISK.axes.identity.agent,\n body:()=>group('Applicant',[\n factCard('Name on application', S.name, {ok:true}),\n factCard('Government ID', S.id? (S.id.docType||S.idType)+' · '+(S.id.verified?'verified at source':'read only') : null,\n {ok:!!(S.id&&S.id.verified), watch:!!(S.id&&!S.id.verified)}),\n factCard('ID source check', sg('identity','id_source_match')?sg('identity','id_source_match').label:null,{ok:true})\n ])+group('Against the documents',[\n factCard('Company on SSM', DOCX.val('registration','company_name'), {ok:!!DOCX.val('registration','company_name')}),\n factCard('Name on MyKAD / Passport', S.id?(S.id.fields.find(f=>f.key==='full_name')||{}).value:null,\n {ok:!!(S.id&&sameName((S.id.fields.find(f=>f.key==='full_name')||{}).value, S.name)),\n watch:!!(S.id&&!sameName((S.id.fields.find(f=>f.key==='full_name')||{}).value, S.name)),\n note:S.id&&!sameName((S.id.fields.find(f=>f.key==='full_name')||{}).value, S.name)?'ID name differs from the application name':''}),\n factCard('Bank account holder', DOCX.val('bank','account_holder'),\n {ok:sameName(DOCX.val('bank','account_holder'),S.name),\n watch:!!DOCX.val('bank','account_holder')&&!sameName(DOCX.val('bank','account_holder'),S.name),\n note:DOCX.val('bank','account_holder')&&!sameName(DOCX.val('bank','account_holder'),S.name)\n ?'Does not match the applicant name. Third-party account, or a name variant.':''})\n ])+(S.id&&S.id.card?group('Card authenticity',[\n factCard('Photo on card', S.id.card.face?'Present':'Not detected', {ok:S.id.card.face}),\n factCard('Card live / not photocopy', S.id.card.photocopy?'Photocopy detected':(S.id.card.live?'Live capture':'Not confirmed'),\n {ok:!S.id.card.photocopy&&S.id.card.live, watch:!S.id.card.live}),\n factCard('Card readable', S.id.card.readable?'All fields readable':'Partially obscured', {ok:S.id.card.readable})\n ]):'')},\n\n {k:'financial', axes:['financial'], name:'Financial & Credit', agent:RISK.axes.financial.agent,\n body:()=>{\n const decl=m.reads.find(r=>r.src==='application');\n const bank=m.reads.find(r=>r.src==='bank statement');\n const calc=m.reads.find(r=>r.src==='operational estimate');\n const devDB=decl&&bank?Math.round(((decl.value-bank.value)/bank.value)*100):null;\n const devDC=decl&&calc?Math.round(((decl.value-calc.value)/calc.value)*100):null;\n const devBC=bank&&calc?Math.round(((bank.value-calc.value)/calc.value)*100):null;\n return group('Turnover triangulation',[\n factCard('Declared turnover', decl?peso(decl.value)+' / month':null, {note:'What the merchant stated'}),\n factCard('Bank statement turnover', bank?peso(bank.value)+' / month':null, {ok:!!bank, note:'Average monthly credits from statement'}),\n factCard('Calculated from operations', calc?peso(calc.value)+' / month':null, {ok:!!calc, note:calc?calc.detail:'From question-based income assessment'})\n ])\n +group('Deviation analysis',[\n factCard('Declared vs Bank statement', devDB!=null?devDB+'%':null,\n {watch:devDB!=null&&Math.abs(devDB)>15, ok:devDB!=null&&Math.abs(devDB)<=15,\n note:devDB!=null?(devDB>0?'Declared '+devDB+'% above bank':'Declared '+Math.abs(devDB)+'% below bank'):'Awaiting bank statement'}),\n factCard('Declared vs Calculated', devDC!=null?devDC+'%':null,\n {watch:devDC!=null&&Math.abs(devDC)>20, ok:devDC!=null&&Math.abs(devDC)<=20}),\n factCard('Bank vs Calculated', devBC!=null?devBC+'%':null,\n {ok:devBC!=null&&Math.abs(devBC)<=15, note:devBC!=null?'Cross-check between independent sources':'Awaiting both sources'})\n ])\n +group('Sizing',[\n factCard('Reconciled turnover', m.verified!=null?peso(m.verified)+' / month':null,\n {ok:true, note:'Lowest evidenced read. Declared is not used for sizing.'}),\n factCard('Capacity ceiling', m.capacity!=null?peso(m.capacity):null,\n {ok:true, note:'15% of verified monthly inflow over '+m.tenure+' months.'})\n ])}},\n\n {k:'operational', axes:['operational'], name:'Operational', agent:RISK.axes.operational.agent,\n body:()=>group('Premises, from the photographs',[\n factCard('Signage', s.signage_type?s.signage_type+(s.shop_name?' · “'+s.shop_name+'”':''):null,\n {ok:s.signage_type==='permanent', watch:s.signage_type==='temporary'}),\n factCard('Premises', s.premises||null, {ok:s.premises==='fixed', watch:s.premises==='movable'}),\n factCard('Inventory', s.inventory_visible?(s.inventory_density||'visible'):(s.inventory_visible===false?'not visible':null),\n {ok:!!s.inventory_visible, watch:s.inventory_visible===false}),\n factCard('Counter or POS', s.counter_or_pos_visible==null?null:(s.counter_or_pos_visible?'visible':'not visible'),\n {ok:!!s.counter_or_pos_visible})\n ])+group('Classification',[\n factCard('MCC', top?top.code+' · '+top.label:null,\n {ok:!!top, note:top?'Confidence '+Math.round((Number(top.confidence)||0)*100)+'% · read by '+(s.engine||'—'):''}),\n factCard('Sub-type confirmed by merchant', S.subtype, {ok:!!S.subtype}),\n factCard('Nature of business', s.nature_of_business, {ok:!!s.nature_of_business})\n ])\n +(s.observations&&s.observations.length?group('What the images showed',\n s.observations.slice(0,6).map(o=>factCard('Observation',o,{ok:true}))):'')},\n\n {k:'legal', axes:['legal'], name:'Legal', agent:RISK.axes.legal.agent,\n body:()=>group('Registration',[\n factCard('SSM Certificate', DOCX.val('registration','company_name'),\n {ok:!!DOCX.val('registration','company_name'), note:S.docs.registration?'Extracted via IDfy':''}),\n factCard('SSM Number', DOCX.val('registration','old_id_number')||DOCX.val('registration','new_id_number'),{ok:true}),\n factCard('Registry verification', S.registry?(S.registry.entity_status||'checked'):'Runs after submit',\n {ok:!!(S.registry&&S.registry.entity_status==='EXISTING'), note:S.registry?'Entity: '+(S.registry.entity_type||''):''}),\n factCard('GST Number', S.registry?S.registry.gst_number:null, {ok:!!S.registry?.gst_number})\n ])\n +group('Legal assessment',[\n factCard('Legal risk', 'N/A', {note:'Not configured for this market.'})\n ])},\n\n {k:'reputational', axes:['reputational'], name:'Reputational', agent:RISK.axes.reputational.agent,\n body:()=>group('Screening',[\n factCard('AML watchlist', aml?(Number(aml.total_hits)?'Review · '+aml.total_hits+' hits':'Clean'):null,\n {ok:!!aml&&!Number(aml.total_hits), watch:!!(aml&&Number(aml.total_hits))}),\n factCard('PEP', aml?(Number(aml.total_hits)?'Matches to review':'Zero matches'):null, {ok:!!aml&&!Number(aml.total_hits)}),\n factCard('Adverse media', aml?(Number(aml.total_hits)?'Hits found':'Zero adverse hits'):null, {ok:!!aml&&!Number(aml.total_hits)}),\n factCard('Subject screened', aml?aml.search_term:null, {ok:!!aml})\n ])}\n ];\n}\n\nfunction secScore(s){\n return Math.round(s.axes.reduce((a,x)=>a+RISK.score(x)*RISK.weight[x],0)/\n s.axes.reduce((a,x)=>a+RISK.weight[x],0));\n}\nfunction toggleSec(k){ S.secOpen = S.secOpen===k?null:k; paintRisk(); }\n\nfunction paintScore(){\n const el=$('#tabScore'); if(!el) return;\n const c=Math.round(RISK.composite());\n if(el.textContent!==String(c)){ el.textContent=c; el.classList.remove('pulse');\n void el.offsetWidth; el.classList.add('pulse'); }\n if(S.view==='risk') paintRisk();\n}\n\nfunction paintRisk(){\n const host=$('#viewRisk'); if(!host || host.classList.contains('hide')) return;\n const m=money(), band=RISK.band(), comp=Math.round(RISK.composite()), cov=RISK.coverage();\n const secs=sections(), pe=S.policyEval;\n\n host.innerHTML = \\`

\n\n

\\${esc(bizName()||'No case open')}

\\${esc(S.subtype||'Business type not yet classified')} ·\n \\${esc(S.name||'applicant unknown')} · \\${esc(PRODUCTS[PRODUCT]?.label||'Merchant Lending')} · case \\${GROUP_ID.slice(0,8).toUpperCase()}

\n \\${[['Facility requested', peso(S.ask)],\n ['Tenure', S.tenure+' months'],\n ['Documents read', Object.keys(S.docs).filter(k=>S.docs[k]&&!S.docs[k].error).length+' of '+DOCORDER.length],\n ['Signals', cov.got+' of '+cov.tot]]\n .map(t=>\\`

\\${t[0]}

\\${t[1]}

\\`).join('')}\n

\n\n

\\${tickI('#1C43B9')} Overall assessment\n

Composite score

\\${cov.got<6?'—':comp}

\\${band.t}

Identity 20% · Credit 40% · Operational 20% · Legal 12% · Reputational 8%.\n \\${cov.got} of \\${cov.tot} signals received.

\\${band.d}\n \\${m.sized?\\` Sized at \\${peso(m.approve)} over \\${m.tenure} months against \\${peso(m.verified)} of verified monthly inflow.\\`:''}

\n\n

\\${ic('policy',18)} Credit policy\n \n \n \\${S.policy?'Replace policy':'Upload credit policy'}

\n \\${!S.policy?\\`

Upload your written credit policy. It is parsed into rules and\n every rule is evaluated against this case, with the line of the policy it came from.

\n \\${S.policyErr?\\`

\\${ic('alert',16)}\n

Could not read that policy\\${esc(S.policyErr)}

\\`:''}\\`\n :\\`

\\${esc(S.policy.policy_name||S.policy.file)}\n \\${S.policy.version?' · '+esc(S.policy.version):''} · \\${S.policy.rules.length} rules ·\n parsed by \\${esc(S.policy.engine)}

\n \\${pe?\\`

\n \\${[['Passed',pe.pass,'g'],['Failed',pe.fail,pe.fail?'a':''],['Not evaluable',pe.na,'']]\n .map(t=>\\`

\\${t[0]}

\\${t[1]}

\\`).join('')}\n

\\${pe.rows.map(r=>\\`

\\${esc(r.id)}

\\${esc(r.name)}\n \\${r.severity||'soft'}

\\${esc(r.why)}\\${r.quote?\\` · from the policy: “\\${esc(r.quote)}”\\`:''}

\\${r.verdict==='pass'?'PASS':r.verdict==='fail'?'FAIL':'NO DATA'}

\\`).join('')}

\n \\${S.policy.manual&&S.policy.manual.length?\\`

\n \\${warnI()}

\\${S.policy.manual.length} clauses need a human\n \\${S.policy.manual.map(x=>esc(x.name)).join(' · ')}

\\`:''}\\`\n :\\`

\\${ic('clock',16)}\n

Not yet evaluatedRun the merchant journey to the processing step, or press Re-evaluate.

\n \\`}\\`}\n

\n\n

Turnover triangulation

One number, every independent read. The lowest evidenced figure is the one that sizes the facility.

\n \\${m.reads.length?\\`

\n \n \\${m.reads.map(rd=>\\`\n \n \n \\`).join('')}\n

Source	Monthly	Annualised	Used for sizing
\\${esc(rd.label)}	\\${rd.pending?'reading…':peso(rd.value)}	\\${rd.pending?'—':peso(rd.value*12)}	\\${rd.pending?'pending'\n :rd.src==='application'?'declared only'\n :rd.value===m.verified?'yes'\n :'corroborating'}

\\`:\\`

No turnover evidence on file yet.

\\`}\n\n \\${m.variancePct!=null?\\`

\n \\${Math.abs(m.variancePct)<=10?tickI():warnI()}\n

Declared sits \\${m.variancePct>0?'above':'below'} evidenced by \\${Math.abs(m.variancePct)}%\n \\${Math.abs(m.variancePct)<=10?'Within the 10% tolerance. Sized on the evidenced figure regardless.'\n :'Outside tolerance. The gap is the finding, and the evidenced figure is what sizes the facility.'}

\\`:''}\n

\n\n \\${S.bsa?\\`

Statement analysis

Computed in code from \\${S.bsa.rows} ledger rows. No figure below was read off the document or produced by a model.

Avg monthly in\\${peso(S.bsa.avgMonthlyIn)}\n low \\${peso(S.bsa.minMonthlyIn)} · high \\${peso(S.bsa.maxMonthlyIn)}

Volatility\\${S.bsa.volatility==null?'—':S.bsa.volatility+'%'}\n month to month

Months usable\\${S.bsa.monthsUsable} of \\${S.bsa.monthsCovered}\n \\${S.bsa.gaps.length?('missing '+S.bsa.gaps.join(', ')):'no gaps'}

Avg balance\\${peso(S.bsa.balance.avg)}\n \\${S.bsa.balance.negativeRows?(S.bsa.balance.negativeRows+' rows overdrawn'):'never overdrawn'}

Digital spend\\${S.bsa.mix.digitalOutShare==null?'—':S.bsa.mix.digitalOutShare+'%'}\n \\${S.bsa.mix.posCount} card or POS movements

Top counterparty\\${S.bsa.concentration?S.bsa.concentration.share+'%':'—'}\n \\${S.bsa.concentration?esc(S.bsa.concentration.party):'of money in'}

\n \n \\${S.bsa.byMonth.map(mm=>\\`\n \n \n \n \\`).join('')}\n \\${S.bsa.gaps.map(g=>\\`\n \\`).join('')}\n

Month	Money in	Money out	Rows	Used
\\${esc(mm.month)}	\\${peso(mm.income)}	\\${peso(mm.out)}	\\${mm.rows}	\\${mm.usable?'yes'\n :'too thin'}
\\${esc(g)}	not in the statement	missing

\n \\${S.bsa.payroll.count?\\`

\n \\${S.bsa.payroll.regular?tickI():warnI()}\n

\\${S.bsa.payroll.regular?'Regular salary credits of about '+peso(S.bsa.payroll.avg)\n :'Salary credits present but irregular'}\n \\${S.bsa.payroll.consistent} of \\${S.bsa.payroll.count} within 15% of each other, \\${S.bsa.payroll.shareOfIn}% of all money in.\n This account's inflow is employment income, not merchant takings — size accordingly.

\\`:''}\n

\\`:''}\n\n \\${secs.map(s=>{ const on=S.secOpen===s.k, v=secScore(s), gaps=s.axes.flatMap(a=>RISK.gaps(a));\n return \\`

\n \\${s.name} Risk\n \\${s.agent}\n Score \\${v}\\${chevI()}\n

\n \\${on?\\`

\\${s.body()}\n \\${gaps.length?\\`

\\${warnI()}\n

\\${gaps.length} open item\\${gaps.length===1?'':'s'}\n \\${gaps.slice(0,6).map(g=>esc(g.id.replace(/_/g,' '))+' — '+g.state).join(' · ')}

\\`\n :\\`

\\${tickI()}\n

Nothing open on this axisEvery signal in the roster has evidence behind it.

\\`}\n

\\`:''}\n

\\`;}).join('')}\n\n

Back-end run log

\\${S.backend.length? S.backend.map(l=>\\`

\\${l.ok?'✓':'✗'}\n \\${esc(l.t)}\\${l.detail?' — '+esc(l.detail):''}

\\`).join('')\n : '

Not run yet.

\\`;\n}\n\n/* =====================================================================\n CAM\n ===================================================================== */\nfunction camHTML(){\n const m=money(), band=RISK.band(), comp=Math.round(RISK.composite()), pe=S.policyEval;\n const e=esc;\n const kv = rows => \\`\\${rows.map(r=>\\`\\`).join('')}

\\${e(r[0])}

\\${e(r[1])}

\\`;\n const docRows = DOCORDER.filter(k=>S.docs[k]).map(k=>{\n const d=S.docs[k];\n if(d.blind) return \\`\\${e(DOCSPEC[k].label)}
\\${e(d.file)}\n Blind capture — not machine-read.
Filed \\${e(new Date(d.at).toLocaleString('en-PH'))} ·\n \\${e(d.mime)} · \\${Math.round((d.size||0)/1024)} KB. No field from this document was used in the assessment.\n Requires manual review.\\`;\n if(d.error) return \\`\\${e(DOCSPEC[k].label)}Not read — \\${e(d.error)}\\`;\n return \\`\\${e(DOCSPEC[k].label)}
\\${e(d.file)}\n Read by \\${e(d.engine)}\\${d.confidence!=null?' · confidence '+e(d.confidence):''}\n \\${d.tried&&d.tried.length?\\`
Fell back after — \\${e(d.tried.join('; '))}\\`:''}\n

\\${e(f.label)}: \\${f.value?e(f.value):'not present'}\n \\${f.edited?\\` (corrected by the merchant from “\\${e(f.original||'blank')}”)\\`\n : f.state==='unverified'?' (shown but not source-verified)':''}\n \\${f.quote&&!f.edited?\\`
“\\${e(f.quote)}”\\`:''}

\\`;\n }).join('') || 'No documents on file.';\n\n return \\`CAM — \\${e(bizName()||'Applicant')}\n\n

Credit Assessment Memo

\\${e(bizName()||'Applicant')} · \\${e(S.subtype||'type not classified')} ·\nCase \\${GROUP_ID.slice(0,8).toUpperCase()} · Generated \\${new Date().toLocaleString('en-PH')}

\n\n

1 · Recommendation

\\${e(band.t)} composite \\${comp} · \\${RISK.count()} of \\${RISK.coverage().tot} signals

\\${m.sized?\\`Approve \\${peso(m.approve)} over \\${m.tenure} months against verified monthly inflow of\n\\${peso(m.verified)}. Requested \\${peso(m.ask)}. Instalment \\${peso(m.monthly)}, debt-burden ratio \\${m.dbr}%.\n\\${m.variancePct!=null?\\`Declared turnover sits \\${m.variancePct}% above the verified figure, so the facility is sized to the evidence.\\`:''}\\`\n :'The facility cannot be sized: no independent read of turnover is on file.'}

\\${e(band.d)}

\n\n

2 · Applicant and entity

\n\\${kv([['Applicant',S.name||'—'],['Mobile',S.mobile||'—'],['Business as stated',bizName()||'—'],\n ['Registered name',DOCX.val('registration','business_name')||'—'],\n ['Registration number',DOCX.val('registration','registration_number')||'—'],\n ['Register',S.registry?S.registry.source:'—'],\n ['Verified at source', S.registry ? (S.registry.verified\n ? (S.registry.first ? S.registry.first.status+' · '+S.registry.first.certificate_number+' · '+S.registry.first.owner_name\n : (S.registry.sec_details||'found')) : 'no match returned') : 'not run'],\n ['TIN',DOCX.val('bir','tin')||'—'],\n ['MCC', (()=>{const t=(S.shopai&&(S.shopai.mcc_candidates||[])[0]); return t?t.code+' · '+t.label:'—';})()],\n ['Sub-type confirmed', S.subtype||'—'],\n ['Government ID', S.id?(S.id.docType||S.idType||'uploaded'):'not uploaded']])}\n\n

3 · Documents and how each was read

\n\\${docRows}

Document	Extraction

Extraction order is IDfy, then Gemini, then Claude. Values a reader could not evidence against a\nline of the document are marked. Merchant corrections are recorded against the original value.

\n\n

4 · Turnover triangulation

\n\n\\${m.reads.map(r=>\\`\\`).join('')\n ||''}

Source	Monthly	Annualised
\\${e(r.label)}	\\${r.pending?'pending':peso(r.value)}	\\${r.pending?'—':peso(r.value*12)}
No turnover evidence.

Sizing uses the lowest evidenced read. The merchant's own declaration is never used to size.

\n\n

5 · Risk assessment

\n\\${sections().map(s=>{\n const v=secScore(s);\n const sigs=s.axes.flatMap(a=>Object.values(RISK.detail[a]||{}).map(d=>[d.label,d.note||'verified']));\n const gaps=s.axes.flatMap(a=>RISK.gaps(a).map(g=>g.id.replace(/_/g,' ')+' ('+g.state+')'));\n return \\`

\\${e(s.name)} — score \\${v}

\n \\${sigs.length?kv(sigs):'

No signals on this axis.

'}\n \\${gaps.length?\\`

Open: \\${e(gaps.join(' · '))}

\\`:''}\\`;}).join('')}\n\n

6 · Screening

\n\\${S.aml?kv([['Subject',S.aml.search_term||'—'],['Match status',S.aml.match_status||'—'],\n ['Total hits',String(S.aml.total_hits??'—')],\n ['Types',((S.aml.filters&&S.aml.filters.types)||[]).join(', ')||'pep, adverse-media'],\n ['Country scope',((S.aml.filters&&S.aml.filters.country_codes)||['PH']).join(', ')]])\n :'

Screening did not run or was unreachable. This memo is not complete without it.

'}\n\n

7 · Credit policy

\n\\${S.policy?\\`

\\${e(S.policy.policy_name||S.policy.file)}\\${S.policy.version?' · '+e(S.policy.version):''} ·\n\\${S.policy.rules.length} rules · parsed by \\${e(S.policy.engine)} on \\${e(new Date(S.policy.at).toLocaleString('en-PH'))}

\n\\${pe?\\`

\\${pe.pass} passed · \\${pe.fail} failed · \\${pe.na} not evaluable\\${pe.hardFail?' · a hard rule failed':''}

\n\n\\${pe.rows.map(r=>\\`\n\n\\`).join('')}

Rule	Verdict	Case value	Policy text
\\${e(r.id)} \\${e(r.name)} \\${e(r.severity\|\|'soft')}	\\${r.verdict.toUpperCase()}	\\${e(r.why)}	\\${r.quote?'“'+e(r.quote)+'”':'—'}

\\`\n:'

Rules parsed but not evaluated.

'}\n\\${S.policy.manual&&S.policy.manual.length?\\`

Requires human judgement:\n\\${S.policy.manual.map(x=>e(x.name)+(x.quote?' (“'+e(x.quote)+'”)':'')).join(' · ')}

\\`:''}\\`\n:'

No credit policy was uploaded. Policy checks were not performed.

'}\n\n

8 · Back-end run log

\\${l.ok?'✓':'✗'} \\${e(l.t)}\\${l.detail?' — '+e(l.detail):''}
Not run.

All amounts in Philippine pesos. Every figure in this memo traces to a document on file or to a\nderivation stated above. Nothing is inferred beyond those derivations.

\\`;\n}\n\nfunction downloadCAM(){\n const blob=new Blob([camHTML()],{type:'text/html'});\n const a=document.createElement('a');\n a.href=URL.createObjectURL(blob);\n a.download='CAM_'+String(bizName()||'applicant').replace(/[^a-z0-9]+/gi,'_')+'.html';\n document.body.appendChild(a); a.click(); a.remove();\n setTimeout(()=>URL.revokeObjectURL(a.href),4000);\n toast('CAM file created');\n}\n/* =====================================================================\n ROUTER + HANDLERS\n ===================================================================== */\nfunction render(){\n try{\n const sc=SCREENS[S.i];\n const w = document.querySelector('.wrap');\n /* Answering a question re-renders the screen. Resetting the scroll then\n throws the merchant back to the top of a thirteen-question page after\n every tap, so we only reset when the screen itself changes. The caret\n is put back too, or typing in a field that triggers a render loses it. */\n const same = (S._at === sc.id);\n const top = (same && w) ? w.scrollTop : 0;\n const act = document.activeElement;\n const fid = (same && act && act.id) ? act.id : null;\n const caret= (fid && act.selectionStart!=null) ? act.selectionStart : null;\n\n $('#screen').innerHTML = sc.build();\n $('#progBar').style.width = Math.round((sc.progress||0)*100)+'%';\n const c = sc.cta ? sc.cta() : {label:'Continue'};\n const ready = sc.ready ? sc.ready() : true;\n const dis = S.busy || c.disabled || !ready;\n $('#autoBar').innerHTML = AUTO.bar();\n $('#ctaBar').innerHTML =\n (S.i>0?\\`\\`:'') +\n \\`\\`;\n if(w) w.scrollTop = top;\n if(fid){\n const el=document.getElementById(fid);\n if(el){ el.focus(); if(caret!=null){ try{ el.setSelectionRange(caret,caret); }catch(e){} } }\n }\n S._at = sc.id;\n }catch(e){ console.error('render() failed:',e); }\n}\nfunction syncCta(){\n const sc=SCREENS[S.i], c=sc.cta?sc.cta():{}, ready=sc.ready?sc.ready():true;\n const b=$('#ctaBtn'); if(!b) return;\n const dis = S.busy || c.disabled || !ready;\n b.disabled=dis; b.textContent = S.busy?(c.busyLabel||'Working…'):(c.label||'Continue');\n b.onclick = dis ? null : new Function(c.onclick||'next()');\n}\nfunction next(){ AUTO.cancel(); if(S.iDOCORDER.push(d));\n FLOW.length=0; p.flow.forEach(s=>FLOW.push(s));\n SCREENS.length=0; FLOW.forEach(id=>{const s=SCREEN_DEFS.find(x=>x.id===id);if(s)SCREENS.push(s);});\n if(!silent) toast('Configured for '+p.label);\n if(!silent){ S.i=0; render(); } paintAdmin();\n}\n/* Infer product from merchant needs */\nfunction inferProduct(){\n const amt=S.ask||0, purpose=S.purpose||'';\n if(purpose==='equipment') return amt>500000?'msme':'merchant';\n if(purpose==='expand') return amt>1000000?'msme':'merchant';\n if(purpose==='refinance') return amt>1000000?'personal':'merchant';\n return 'merchant';\n}\nfunction maybeInferProduct(){\n if(S.purpose) loadProduct(inferProduct(), true);\n}\nconst VOICE_PD_URL='https://trustai.idfystaging.com/';\nfunction launchVoicePD(){window.open(VOICE_PD_URL,'_blank');}\n\nconst CONFIG = {\n /* readers, in the order they are tried. IDfy is first because it is the\n only one that checks against a register rather than reading a picture. */\n readers:[\n {id:'idfy', label:'IDfy', kind:'Source-verified extraction', on:true, configured:()=>true},\n {id:'mineru', label:'MinerU', kind:'Layout-aware OCR', on:true, configured:()=>!!CFG.mineru.url},\n {id:'grok', label:'Grok', kind:'Vision model', on:true, configured:()=>!!CFG.grok.url},\n {id:'claude', label:'Claude', kind:'Vision model (Anthropic)', on:false, configured:()=>!!CFG.claude?.url},\n {id:'gemini', label:'Gemini Flash', kind:'Vision model (disabled)', on:false, configured:()=>false}\n ],\n /* scoring. Internal is the lender's own model behind a webhook; external\n is a bureau score. Both optional: ProfileIQ stands on its own without\n either, and says so rather than pretending to a number it does not have. */\n models:[\n {id:'onerisk', label:'ProfileIQ composite', kind:'built in', on:true, endpoint:null,\n note:'The five axes on this page. Always on.'},\n {id:'internal', label:'Internal credit model', kind:'lender', on:false, endpoint:'',\n note:'Your own scorecard, called with the feature pack below.'},\n {id:'fico', label:'FICO / external bureau', kind:'external', on:false, endpoint:'',\n note:'A bureau score, pulled and stored alongside ours. Never blended silently.'},\n {id:'cibi', label:'CIBI', kind:'external', on:false, endpoint:'',\n note:'Philippine bureau. Negative records and UBO.'}\n ],\n weights:{identity:.20, financial:.40, operational:.20, legal:.15, reputational:.05},\n /* which BSA features this deployment exposes to a lender's own model */\n exposeFeatures:{},\n band:{approve:75, refer:55}\n};\n/* every BSA feature is exposed unless a bank turns it off */\nObject.keys(BSA.features({months:[],monthsCovered:0,monthsUsable:0,gaps:[],rows:0,\n avgMonthlyIn:null,minMonthlyIn:null,volatility:null,\n payroll:{count:0,regular:false,avg:null,shareOfIn:null},\n mix:{digitalOutShare:null,cashOutShare:null,posCount:0,billsCount:0},\n balance:{avg:null,min:null,negativeRows:0}, reversals:0, fees:0, concentration:null\n})).forEach(k=>{ CONFIG.exposeFeatures[k]=true; });\n\nfunction toggleReader(id){ const r=CONFIG.readers.find(x=>x.id===id); if(r) r.on=!r.on; paintAdmin(); }\nfunction toggleModel(id){ const m=CONFIG.models.find(x=>x.id===id);\n if(m && m.id!=='onerisk'){ m.on=!m.on; paintAdmin(); } }\nfunction setEndpoint(id,v){ const m=CONFIG.models.find(x=>x.id===id); if(m) m.endpoint=v; }\nfunction toggleFeature(k){ CONFIG.exposeFeatures[k]=!CONFIG.exposeFeatures[k]; paintAdmin(); }\nfunction setWeight(ax,v){\n const n=Math.max(0,Math.min(100,Number(v)||0))/100;\n CONFIG.weights[ax]=n; paintAdmin();\n}\n\n/* ---------- model monitoring ----------\n These are computed from the cases this deployment has actually scored,\n held in S.scored. With a handful of cases the numbers are not meaningful\n and the panel says so rather than drawing a confident chart. */\nconst MONITOR = {\n /* Gini from scores and outcomes, via the Mann-Whitney relationship:\n AUC = P(score(bad) < score(good)); Gini = 2*AUC - 1 */\n gini(rows){\n const good=rows.filter(r=>r.outcome===0).map(r=>r.score);\n const bad =rows.filter(r=>r.outcome===1).map(r=>r.score);\n if(!good.length || !bad.length) return null;\n let wins=0;\n for(const g of good) for(const b of bad){ wins += g>b ? 1 : g===b ? .5 : 0; }\n const auc = wins/(good.length*bad.length);\n return Math.round((2*auc-1)*1000)/1000;\n },\n /* Population Stability Index between a reference and a recent window */\n psi(ref, cur, bins=5){\n if(!ref.length || !cur.length) return null;\n const lo=Math.min(...ref,...cur), hi=Math.max(...ref,...cur);\n if(hi===lo) return 0;\n const w=(hi-lo)/bins;\n let psi=0;\n for(let i=0;iv>=a&&vv>=a&&vr.score), rows.slice(half).map(r=>r.score));\n },\n verdict(psi){\n if(psi==null) return {t:'Not enough cases', c:'var(--muted)'};\n if(psi<0.1) return {t:'Stable', c:'var(--ok)'};\n if(psi<0.25) return {t:'Some shift, worth watching', c:'var(--warn)'};\n return {t:'Material shift, investigate', c:'var(--bad)'};\n }\n};\n\n/* every completed scoring run is recorded so drift has something to measure */\nfunction recordScore(){\n S.scored = S.scored || [];\n S.scored.push({at:Date.now(), ref:S.ref||null, score:Math.round(RISK.composite()),\n axes:Object.fromEntries(Object.keys(RISK.axes).map(a=>[a,Math.round(RISK.score(a))])),\n outcome:null});\n}\n\n/* =====================================================================\n BackOffice — additional document collection.\n When the risk score flags a manufacturing case, the UW can request\n extra documents from the merchant. Each request adds a doc spec to\n the case, and the merchant-side journey shows the upload slot.\n ===================================================================== */\nconst ADDL_DOC_MENU = {\n manufacturing:[\n {key:'epf_statement', label:'EPF contribution statement', reason:'Verify actual workforce size'},\n {key:'supplier_list', label:'Top 10 suppliers / distributors', reason:'Assess supply chain concentration'},\n {key:'client_list', label:'Top 10 clients / buyers', reason:'Assess revenue concentration risk'},\n {key:'customs_declaration', label:'Customs declaration (K2)', reason:'Verify export volumes and markets'},\n {key:'purchase_order', label:'Active purchase orders', reason:'Verify order pipeline'},\n {key:'utility_bill', label:'TNB electricity bill (factory)', reason:'Cross-check production scale'},\n {key:'supplier_invoice', label:'Top supplier invoice', reason:'Verify input cost and payment terms'}\n ]\n};\nfunction boAdditionalDocsHTML(){\n if(!isManufacturingExporter()) return '';\n const riskScore = (S.risk && typeof S.risk.scores==='object') ?\n (S.risk.scores.financial||S.risk.scores.Financial||null) : null;\n /* Determine which docs are already collected */\n const collected = new Set(Object.keys(S.docs).filter(k=>S.docs[k] && !S.docs[k].error));\n const items = ADDL_DOC_MENU.manufacturing;\n const pending = items.filter(d=>!collected.has(d.key));\n const done = items.filter(d=>collected.has(d.key));\n\n if(!items.length) return '';\n\n const requestedKeys = S.boRequestedDocs || [];\n const rows = items.map(d=>{\n const isDone = collected.has(d.key);\n const isRequested = requestedKeys.includes(d.key);\n const status = isDone\n ? \\`Received\\`\n : isRequested\n ? \\`Requested\\`\n : \\`\\`;\n return \\`\n \\${esc(d.label)}\n \\${esc(d.reason)}\n \\${status}\\`;\n });\n\n return \\`

Additional document collection

\n Manufacturing / Export\n

Request additional documents from the merchant to strengthen the credit assessment. Each request triggers a collection link for the specific document.

\n \n \n \n \n \\${rows.join('')}\n

Document	Reason	Status

\n \\${pending.length && !requestedKeys.length ? \\`\\` : ''}\n \\${requestedKeys.length ? \\`

\n \\${requestedKeys.length} document\\${requestedKeys.length>1?'s':''} requested. The merchant will see upload slots for these in their journey. Once uploaded, they appear in the Documents tab above.\n

\\` : ''}\n

\\`;\n}\nfunction boRequestDoc(key){\n if(!S.boRequestedDocs) S.boRequestedDocs = [];\n if(!S.boRequestedDocs.includes(key)){\n S.boRequestedDocs.push(key);\n /* Add to the merchant's journey doc list so they see the upload slot */\n if(!DOCORDER.includes(key)) DOCORDER.push(key);\n RISK.emit('operations','addl_doc_requested',.5,\n 'Additional document requested: '+(DOCSPEC[key]?.label||key),\n 'Triggered by credit operations');\n S.audit = S.audit || [];\n S.audit.push({at:new Date().toISOString(), who:S.boRole||'RM/Operations',\n action:'Requested additional document: '+(DOCSPEC[key]?.label||key)});\n }\n paintBO();\n}\nfunction boRequestAllManufDocs(){\n const collected = new Set(Object.keys(S.docs).filter(k=>S.docs[k] && !S.docs[k].error));\n for(const d of ADDL_DOC_MENU.manufacturing){\n if(!collected.has(d.key)) boRequestDoc(d.key);\n }\n}\n\n/* =====================================================================\n BackOffice triangulation panel — Name, Face, Amounts, Addresses.\n Shows every source the case has, side by side. A reviewer scans one\n card to see whether the story the merchant told matches the story\n the documents and APIs told.\n ===================================================================== */\nfunction normName(s){\n return String(s||'').toLowerCase().replace(/\\\\b(sdn|bhd|pvt|ltd|llp|inc|corp|company|co)\\\\b\\\\.?/g,'')\n .replace(/[^a-z0-9 ]/g,' ').replace(/\\\\s+/g,' ').trim();\n}\nfunction nameMatch(a,b){\n const na=normName(a), nb=normName(b);\n if(!na || !nb) return null;\n if(na===nb) return 1;\n const tokensA=new Set(na.split(' ').filter(x=>x.length>1));\n const tokensB=new Set(nb.split(' ').filter(x=>x.length>1));\n if(!tokensA.size || !tokensB.size) return 0;\n let shared=0;\n for(const t of tokensA) if(tokensB.has(t)) shared++;\n return shared / Math.max(tokensA.size, tokensB.size);\n}\nfunction pctFmt(n){ return n==null ? '—' : Math.round(n*100)+'%'; }\nfunction triangulationHTML(){\n const has = k => S.docs[k] && !S.docs[k].error;\n /* pull every name the case has seen */\n const nameRows = [];\n const push = (src, val, hint) => { if(val) nameRows.push({src,val,hint}); };\n push('Application form', S.name, 'What the merchant typed');\n if(S.id && S.id.fields){\n const n=(S.id.fields.find(f=>f.key==='full_name')||{}).value;\n push(S.id.label||'ID document', n, 'Read off the government ID');\n }\n if(has('registration')){\n push('SSM certificate', DOCX.val('registration','company_name'), 'Company name on the SSM cert');\n push('SSM certificate — business name', DOCX.val('registration','business_name'), 'Trading name');\n }\n if(S.registry && S.registry.entity_status){\n const r = S.registry;\n push('SSM registry (API)', r.first?.company_name || r.first?.owner_name || S.name,\n 'Confirmed at the register');\n }\n const bankHolder = has('bank') ? (S.docs.bank.summary?.account_holder || DOCX.val('bank','account_holder')) : null;\n push('Bank statement', bankHolder, 'Account holder on the statement');\n if(has('epf_statement')) push('EPF statement', DOCX.val('epf_statement','employer_name'), 'Employer paying EPF');\n if(has('customs_declaration')) push('Customs declaration', DOCX.val('customs_declaration','exporter_name'), 'Exporter of record');\n if(has('utility_bill')) push('TNB electricity bill', DOCX.val('utility_bill','account_holder'), 'Account holder for the factory power');\n if(has('supplier_invoice')) push('Supplier invoice — billed to', DOCX.val('supplier_invoice','supplier_name'), 'Supplier billing party (the buyer)');\n if(has('purchase_order')) push('Purchase order — from', DOCX.val('purchase_order','buyer_name'), 'End customer');\n\n /* Establish the \"anchor\" name — the SSM cert wins if present, else the ID */\n const anchor = DOCX.val('registration','company_name') || DOCX.val('registration','business_name')\n || (S.id?.fields?.find(f=>f.key==='full_name')?.value)\n || S.name || null;\n\n const nameHTML = anchor\n ? \\`\n \n \\${nameRows.map(r=>{\n const m = nameMatch(anchor, r.val);\n const badge = m==null ? 'n/a'\n : m>=.85 ? 'Match '+pctFmt(m)+''\n : m>=.5 ? 'Partial '+pctFmt(m)+''\n : 'Mismatch '+pctFmt(m)+'';\n return \\`\n \n \n \\`;\n }).join('')}\n

Source	Value	vs anchor
\\${esc(r.src)}	\\${esc(r.val)} \\${esc(r.hint)}	\\${badge}

Anchor: \\${esc(anchor)} (SSM certificate takes precedence; ID falls back)

\\`\n : '

No anchor name yet. Upload the SSM certificate or the ID to start triangulating.

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