[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_106":107,"_108":109},"routes/embed.x.$handle.$name.$",{"_9":10,"_11":12,"_13":14,"_15":16,"_17":18,"_19":20,"_21":-5},"handle","uttiyam","name","IDfy_Prop","path","MSME-lending-MY/profileiq_payload_e.ts","project",{"_22":48,"_11":12,"_35":49,"_50":-5,"_51":44,"_52":53,"_54":53,"_55":56,"_57":-5,"_58":59,"_60":61,"_62":34,"_63":-5,"_64":-5,"_65":66,"_67":68,"_69":-5,"_70":-5,"_71":-5,"_72":-5,"_73":74,"_75":74,"_76":77,"_78":77,"_79":77,"_80":74,"_81":74,"_82":83,"_84":85,"_86":87,"_88":44},"file",{"_22":23,"_11":24,"_25":26,"_27":28,"_29":30,"_31":32,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":-5,"_13":46},"permalink","https://www.val.town/x/uttiyam/IDfy_Prop/code/MSME-lending-MY/profileiq_payload_e.ts","extension","id","b474060c-5080-493e-934a-14df8aa50051","profileiq_payload_e.ts","fileId","f44f158e-ac87-11f1-8e7b-1607ee4eb77e","parentId","8ff10096-ac5c-11f1-b257-1607ee4eb77e","branchId","df48c4e7-05fa-432b-a459-74b0de46b89d","branchVersion",73,"latest",true,"createdAt",["D",1788988758720],"version",9,"fileType","http","content","/**\n * ProfileIQ MY — APP_HTML_E (plain text, part 5/5).\n */\nexport const APP_HTML_E = ` const m = money();\n const amountRows = (m.reads||[]).map(r=>({src:r.label, val:r.pending?null:r.value, hint:r.detail||r.src}));\n const declared = amountRows.find(r=>/declared/i.test(r.src))?.val;\n const bank = amountRows.find(r=>/bank/i.test(r.src))?.val;\n const opsEst = amountRows.find(r=>/operational|operations/i.test(r.src))?.val;\n const rangeOK = (a,b) => {\n if(a==null || b==null) return null;\n const base = Math.max(Math.abs(a), Math.abs(b), 1);\n return Math.abs(a-b)/base;\n };\n const dev = (a,b) => { const g = rangeOK(a,b); return g==null ? null : Math.round(g*100); };\n const devBadge = d => d==null ? 'n/a'\n : d<=15 ? ''+d+'% (within tolerance)'\n : d<=30 ? ''+d+'% (elevated)'\n : ''+d+'% (outlier)';\n\n const amountHTML = amountRows.length ? \\`\n \n \n \\${amountRows.map(r=>\\`\n \n \\`).join('')}\n

Source	Monthly (RM)	Annualised (RM)
\\${esc(r.src)} \\${esc(r.hint\|\|'')}	\\${r.val==null?'—':peso(r.val)}	\\${r.val==null?'—':peso(r.val*12)}

Declared vs Bank

\\${devBadge(dev(declared,bank))}

Declared vs Calculated

\\${devBadge(dev(declared,opsEst))}

Bank vs Calculated

\\${devBadge(dev(bank,opsEst))}

\n Sized on: \\${m.verified!=null?peso(m.verified)+' / month':'not yet sized'} —\n lowest evidenced read; declared is never used for sizing.\n

\\`\n : '

No turnover figures on file yet.

';\n\n /* ADDRESSES */\n const addrRows = [];\n if(S.id?.fields){ const a=(S.id.fields.find(f=>f.key==='address')||{}).value; if(a) addrRows.push({src:'ID document',val:a}); }\n const ssmAddr = DOCX.val('registration','address'); if(ssmAddr) addrRows.push({src:'SSM certificate',val:ssmAddr});\n const utilAddr = DOCX.val('utility_bill','premises_address'); if(utilAddr) addrRows.push({src:'TNB bill (factory)',val:utilAddr});\n const addrHTML = addrRows.length ? \\`\n \n \\${addrRows.map(r=>\\`\\`).join('')}\n

\\${esc(r.src)}

\\${esc(r.val)}

\\`\n : '

No addresses on file.

';\n\n /* FACE — placeholder card, this build does not run a selfie */\n const idHasPhoto = !!(S.id && S.id.card && S.id.card.face);\n const faceHTML = \\`

Photo on ID

\\${idHasPhoto?'Present':'Not detected'}

Detected by IDfy on the ID front

Selfie match

Not captured

Selfie capture is not enabled on this journey

\\`;\n\n /* MANUFACTURING signals summary — only shows for exporter-eligible cases */\n const manuf = isManufacturingExporter() && (has('customs_declaration')||has('purchase_order')||has('epf_statement')||has('utility_bill')||has('supplier_invoice'));\n const manufHTML = manuf ? \\`\n \n \\${has('epf_statement')?\\`\\`:''}\n \\${has('customs_declaration')?\\`\\`:''}\n \\${has('purchase_order')?\\`\\`:''}\n \\${has('utility_bill')?\\`\\`:''}\n \\${has('supplier_invoice')?\\`\\`:''}\n

Headcount (EPF)	\\${esc(DOCX.val('epf_statement','total_employees')\|\|'—')} employees · RM \\${esc(DOCX.val('epf_statement','monthly_contribution')\|\|'—')} / mo
Export destination	\\${esc(DOCX.val('customs_declaration','export_destination')\|\|'—')} · RM \\${esc(DOCX.val('customs_declaration','export_value')\|\|'—')} in period
Active PO	RM \\${esc(DOCX.val('purchase_order','po_value')\|\|'—')} — \\${esc(DOCX.val('purchase_order','buyer_name')\|\|'—')} · \\${esc(DOCX.val('purchase_order','payment_terms')\|\|'')}
Factory power	\\${esc(DOCX.val('utility_bill','consumption_kwh')\|\|'—')} kWh · RM \\${esc(DOCX.val('utility_bill','bill_amount')\|\|'—')} · \\${esc(DOCX.val('utility_bill','billing_period')\|\|'')}
Top supplier	\\${esc(DOCX.val('supplier_invoice','supplier_name')\|\|'—')} — RM \\${esc(DOCX.val('supplier_invoice','invoice_value')\|\|'—')} · \\${esc(DOCX.val('supplier_invoice','payment_terms')\|\|'')}

\\` : '';\n\n const trCard = (t, body, sub) => \\`

\\${t}

\n \\${sub?\\`

\\${sub}

\\`:''}\n \\${body}

\\`;\n\n return trCard('Name triangulation', nameHTML,\n 'Every place a name appears in the case. The anchor is what a mismatch is compared against.')\n + trCard('Turnover triangulation', amountHTML,\n 'Three independent reads on monthly revenue. Sizing uses the lowest.')\n + trCard('Address triangulation', addrHTML,\n 'ID address, SSM registered address, factory address on TNB bill.')\n + trCard('Face triangulation', faceHTML,\n 'Photo on the government ID against a live selfie (when captured).')\n + (manufHTML ? trCard('Manufacturing signals', manufHTML,\n 'Additional signals collected because this case is flagged as a manufacturer or exporter.') : '');\n}\n\nfunction paintBO(){\n const host=$('#viewBO'); if(!host || host.classList.contains('hide')) return;\n const comp=Math.round(RISK.composite());\n const product=PRODUCTS[PRODUCT]?.label||'Merchant Lending';\n const log=S.backend||[];\n const docs=Object.keys(S.docs).filter(k=>S.docs[k]&&!S.docs[k].error);\n const pg=S.boPg||'tasks'; const sub=S.boSub||'my'; const tab=S.boTab||'info';\n const hasCase=!!(S.name||S.ask);\n /* Role-based state: RM approves first, then Credit UW */\n const rmApproved=log.some(e=>e.id==='bo_rm_approve');\n const uwApproved=log.some(e=>e.id==='bo_uw_approve');\n const rejected=log.some(e=>e.id==='bo_rm_reject'||e.id==='bo_uw_reject');\n const caseStatus=rejected?'Rejected':uwApproved?'Approved':rmApproved?'Pending Credit UW':'Pending RM Review';\n const statusCol=rejected?'#dc2626':uwApproved?'#16a34a':rmApproved?'#d97706':'#6b7280';\n /* Analysis sections with real checks */\n const secs=[\n ['Applicant Details',!!S.name],\n ['KYC Verification',!!S.id],\n ['SSM Registration',!!S.docs.registration && !S.docs.registration.error],\n ['SSM Registry Check',!!S.registry],\n ['Bank Statement',!!S.docs.bank && !S.docs.bank.error],\n ['AML Screening',!!S.aml],\n ['ShopAI Assessment',!!S.shopai]];\n const passN=secs.filter(x=>x[1]).length;\n const nav=[{id:'tasks',label:'My Tasks'},{id:'pool',label:'Tasks Pool'},\n {id:'wf',label:'Workflows'},{id:'org',label:'Organization'},{id:'risk',label:'Risk Console'},{id:'super',label:'Super Admin'}];\n const sb=\\`

\n \\${nav.map(n=>\\`\\`).join('')}\n

\\`;\n const fld=(l,v)=>\\`

\\${l}

\\${v||'\\\\u2014'}

\\`;\n const card=(t,pass,body)=>\\`

\\${t} \\${pass?'\\\\u2022 Passed':'\\\\u2022 Pending'}

\\${body}

\\`;\n let main='';\n if(pg==='tasks'||pg==='pool'){\n /* Two sub-tabs: RM Queue and Credit UW Queue */\n const rmTab=sub==='rm'||sub==='my', uwTab=sub==='uw';\n const tabs=[['my','RM Queue',hasCase&&!rmApproved?'1':'0'],['uw','Credit UW Queue',rmApproved&&!uwApproved?'1':'0'],['done','Completed',uwApproved||rejected?'1':'0']];\n const showInRM=hasCase&&!rmApproved&&!rejected;\n const showInUW=rmApproved&&!uwApproved&&!rejected;\n const showInDone=uwApproved||rejected;\n const showRow=(rmTab&&showInRM)||(uwTab&&showInUW)||(sub==='done'&&showInDone);\n main=\\`

\\${pg==='tasks'?'My Tasks':'Tasks Pool'} | Logged in as Uttiya Mukherjee

\n \n

\\${tabs.map(([id,l,n])=>\\`\\`).join('')}

\n \n \\${['Case ID','Workflow','Product','Name / Contact','Status','Actions'].map(h=>'').join('')}\n \\${showRow?\\`\n \n \n \n \n \n \\`:''}\n

'+h+'
\\${GROUP_ID.slice(0,20)}	MSME Lending	\\${esc(product)}	\\${esc(S.name\|\|'\\\\u2014')} \\${esc(S.mobile\|\|'')}	\\${caseStatus}	\\\\u{1F441}\\\\uFE0E View
No cases in this queue.

\\`;\n } else if(pg==='case'){\n /* Which role is viewing? RM sees first, UW sees after RM approval */\n const isUW=rmApproved;\n const roleLabel=isUW?'Credit Underwriter':'RM / Operations';\n const canApprove=isUW?!uwApproved:!rmApproved;\n const ctabs=['info','triangulation','docs','comments','audit'];\n const analysis=\\`

Analysis\\\\u2022 \\${passN} Pass

\n \\${secs.map(x=>\\`

\\${esc(x[0])}\\${x[1]?'\\\\u2713':''}

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

Status: \\${caseStatus}

Role: \\${roleLabel}

\n \\${canApprove&&!rejected?\\`

\n \n \n \n \\${isUW?\\`\\`:''}\n

\\`:\\`

\\${rejected?'Case rejected':'Case approved'}

\\`}\n

\\`;\n let content='';\n if(tab==='info') content=\n card('Applicant Details',!!S.name,\\`

\\${fld('Full Name',esc(S.name))}\\${fld('Mobile',esc(S.mobile))}\\${fld('Amount',S.ask?peso(S.ask):'')}\\${fld('Purpose',esc(S.purpose))}\\${fld('Product',esc(product))}\\${fld('Case',GROUP_ID.slice(0,16))}

\\`)+\n card('KYC Verification',!!S.id,S.id?\\`

\\${fld('Document',esc(S.id.label||S.id.docType||''))}\\${fld('ID Verified','Yes')}\\${fld('IC Number',S.id.fields?.find(f=>f.key==='id_number')?.value||'\\\\u2014')}

\\`:'

Pending \\\\u2014 no ID uploaded yet

')+\n card('SSM Registration',!!S.docs.registration&&!S.docs.registration.error,S.docs.registration?\\`

\\${fld('Company',DOCX.val('registration','company_name')||'\\\\u2014')}\\${fld('SSM No.',DOCX.val('registration','old_id_number')||DOCX.val('registration','new_id_number')||'\\\\u2014')}\\${fld('Reg. Date',DOCX.val('registration','date_of_issue')||'\\\\u2014')}

\\`:'

Pending \\\\u2014 no SSM uploaded

')+\n card('SSM Registry Verification',!!S.registry,S.registry?\\`

\\${fld('Status API',esc(S.registry.entity_status||''))}\\${fld('Entity',esc(S.registry.entity_type||''))}\\${fld('GST',esc(S.registry.gst_number||'\\\\u2014'))}

\\`:'

Pending \\\\u2014 awaiting SSM extraction

')+\n (S.aml?card('AML Screening',true,\\`

\\${fld('Result','Clear')}\\${fld('PEP','No')}\\${fld('Adverse Media','No')}

\\`):'');\n else if(tab==='triangulation') content = triangulationHTML();\n else if(tab==='docs') content=\\`

Documents (\\${docs.length})

\\${docs.length?docs.map(k=>{const d=S.docs[k];return \\`

\\${esc(DOCSPEC[k]?.label||k)}Verified

\\${d.fields?\\`

\\${d.fields.filter(f=>f.value).slice(0,6).map(f=>fld(esc(f.label),esc(f.value))).join('')}

\\`:''}

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

No documents uploaded yet.

\n \\${boAdditionalDocsHTML()}\\`;\n else if(tab==='audit') content=\\`

Audit Trail

\\${log.length?log.slice().reverse().map(e=>\\`

\\${e.result==='pass'?'\\\\u2713':e.result==='fail'?'\\\\u2717':'!'}

\\${esc(e.label||e.id)}

\\${esc(e.at||'')} \\\\u2022 \\${esc(e.role||'System')}

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

No activity yet.

\\`;\n else content=\\`

Comments

\\`;\n main=\\`

\\\\u2190 Back to My Tasks

\\${roleLabel}

\\${esc(S.name||'Applicant')} \\${GROUP_ID.slice(0,16)}

\\${ctabs.map(t=>\\`\\`).join('')}

Field source: OCR extracted API verified System computed

\n \\${content}

\\${analysis}

\\`;\n } else if(pg==='wf'){\n const nodes=[{id:'start',x:60,y:120,label:'Start here',sub:'Cases enter here',col:'#e5e7eb'},\n {id:'rm',x:280,y:90,label:'RM / Ops Review',sub:'rm_ops_team',col:'#2563eb',chips:['entry','1 rule']},\n {id:'uw',x:520,y:90,label:'Credit Underwriting',sub:'credit_uw_team',col:'#2563eb',chips:['1 rule','1 task']},\n {id:'ok',x:760,y:60,label:'Approved',sub:'approved',col:'#16a34a',chips:['Terminal']},\n {id:'no',x:760,y:180,label:'Rejected',sub:'rejected',col:'#dc2626',chips:['Terminal']}];\n main=\\`

\\\\u2190 All workflows

msme_lending

v1 published\n

Add to canvas

\n \\${['Department','Condition / branch','Approved decision','Rejected decision'].map((l,i)=>\\`\\`).join('')}\n

\n \n \\${nodes.map(n=>\\`

\\${n.label}

\\${n.sub}

\\${n.chips?\\`

\\${n.chips.map(c=>\\`\\${c}\\`).join('')}

\\`:''}

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

\\`;\n } else if(pg==='org'){\n const depts=[{name:'RM / Ops Team',users:3},{name:'Credit Underwriting',users:2},{name:'BackOffice Operations',users:2},{name:'Compliance',users:1},{name:'Field Verification',users:2}];\n main=\\`

Organization hierarchy

Departments and their units, with placed-user counts.

\\${[depts.length+' Departments','0 Units',depts.reduce((a,d)=>a+d.users,0)+' Placements'].map(t=>\\`\\${t}\\`).join('')}

\n \\${depts.map(d=>\\`

\\${d.name}

Dept \\\\u00b7 \\${d.users} users

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

\\`;\n } else if(pg==='risk'){\n main=\\`

Credit Underwriter view \\\\u2014 embedded Risk Console

\\`;\n }\n if(pg==='super'){\n main=\\`

\\`;\n }\n host.innerHTML=\\`

\\${sb}

\\${main}

\\`;\n if(pg==='risk'){const d=$('#boRiskEmbed'),rc=$('#viewRisk');if(d&&rc)d.innerHTML=rc.innerHTML;}\n}\nfunction boAction(action){\n const ts=new Date().toISOString().slice(0,19).replace('T',' ');\n const role=action.startsWith('uw_')?'Credit UW':action.startsWith('rm_')?'RM / Ops':'System';\n const isApprove=action.includes('approve');\n const label={rm_approve:'RM Review: APPROVED \\\\u2014 forwarded to Credit UW',rm_reject:'RM Review: REJECTED',\n uw_approve:'Credit UW: APPROVED \\\\u2014 ready for disbursement',uw_reject:'Credit UW: REJECTED',\n refer:'Case re-routed to senior authority'}[action]||action;\n S.backend.push({id:'bo_'+action,label,result:isApprove?'pass':'fail',at:ts,role});\n toast(label); paintBO();\n}\nfunction paintAdmin(){\n const host=$('#viewAdmin'); if(!host || host.classList.contains('hide')) return;\n const rows=S.scored||[];\n const psi=MONITOR.drift(), v=MONITOR.verdict(psi);\n const gini=MONITOR.gini(rows);\n const feats=Object.keys(CONFIG.exposeFeatures);\n const onFeats=feats.filter(k=>CONFIG.exposeFeatures[k]).length;\n const wsum=Object.values(CONFIG.weights).reduce((a,b)=>a+b,0);\n\n host.innerHTML = \\`

Admin

\n Configure the journey, risk engine, and integrations per product.

\n\n

Product type

Switching product reconfigures the journey, risk weights, and document requirements.

\\${Object.entries(PRODUCTS).map(([k,p])=>\n \\`\\`).join('')}

Sizing method\\${PRODUCTS[PRODUCT].ltvNote}

Flow\\${FLOW.join(' → ')}

\n\n

Voice PD

Launch a voice-based Personal Discussion via IDfy TrustAI. Records, transcribes, and scores the conversation.

\n \n

\n\n

Document readers

Tried in this order. The first one that returns a usable read wins, and the case records which.

\n \\${CONFIG.readers.map((r,i)=>\\`

\n \\${i+1}\n

\\${esc(r.label)}\\${esc(r.kind)}\\${r.configured()?'':' · no credentials on this deployment'}

\n \n

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

\n\n

Scoring models

ProfileIQ always runs. Anything else is additional, stored beside ours, and never blended into our number without you saying so.

\n \\${CONFIG.models.map(m=>\\`

\\${esc(m.label)}\\${esc(m.note)}\n \\${m.on&&m.id!=='onerisk'?\\`\\`:''}

\n \n

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

\n\n

Axis weights

What the composite is made of. Applies to the next case scored, never retrospectively.\n \\${Math.abs(wsum-1)>0.001?\\` Currently sums to \\${Math.round(wsum*100)}%.\\`:''}

\n \\${Object.keys(CONFIG.weights).map(ax=>\\`

\\${esc(RISK.axes[ax]?RISK.axes[ax].label:ax)}

\n %\n

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

\n\n

Bank statement feature pack

\\${onFeats} of \\${feats.length} features exposed to a connected model. Every one is computed in code from the ledger rows, not read off the document.

\\${feats.map(k=>\\`\\`).join('')}

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

\\${esc(JSON.stringify(\n        Object.fromEntries(Object.entries(BSA.features(S.bsa)).filter(([k])=>CONFIG.exposeFeatures[k])), null, 2))}

\\`\n :\\`

Run a case with a bank statement to see the live pack.

\\`}\n

\n\n

Income templates

Each MCC category has a revenue driver, COGS benchmark, and seasonality haircut. Used to triangulate merchant-declared figures against operational reality. Edit benchmarks below or upload an Excel template.

\n \n

\n \n \\${INCOME_TEMPLATES.map((t,i)=>\\`\n \n \n \n \n \\`).join('')}\n

Category	Method	COGS %	Haircut %	Staff RM/hd
\\${esc(t.category)}	\\${esc(t.method)}

\n\n

Model monitoring

Computed from the \\${rows.length} case\\${rows.length===1?'':'s'} this deployment has scored.\n \\${rows.length<30?'Well below the volume where any of this is meaningful. Shown so the wiring is visible, not so the numbers are believed.':''}

Cases scored\\${rows.length}

Score drift, PSI\n \\${psi==null?'—':psi}\n \\${esc(v.t)}

Gini\n \\${gini==null?'—':gini}\n \\${gini==null?'Needs repaid and defaulted outcomes':'From recorded outcomes'}

Mean score\n \\${rows.length?Math.round(rows.reduce((a,r)=>a+r.score,0)/rows.length):'—'}

\n \\${rows.length?\\`

\\${rows.slice(-40).map(r=>\\`\\`).join('')}

Each bar is one case, oldest first.

\\`:''}\n

Gini needs outcomes. Until repayment data is fed back in, it stays blank rather than showing a number computed from nothing.

\\`;\n}\n\nfunction setView(v){\n S.view=v;\n $('#viewApply').classList.toggle('hide', v!=='apply');\n $('#viewRisk').classList.toggle('hide', v!=='risk');\n $('#viewBO').classList.toggle('hide', v!=='bo');\n $('#viewAdmin').classList.toggle('hide', v!=='admin');\n document.querySelector('.cta').classList.toggle('hide', v!=='apply');\n $('#tabApply').classList.toggle('on', v==='apply');\n $('#tabRisk').classList.toggle('on', v==='risk');\n $('#tabBO').classList.toggle('on', v==='bo');\n $('#tabAdmin').classList.toggle('on', v==='admin');\n if(v==='risk') paintRisk();\n if(v==='bo') paintBO();\n if(v==='admin') paintAdmin();\n const t=document.querySelector(v==='risk'?'#viewRisk':v==='admin'?'#viewAdmin':'.wrap');\n if(t) t.scrollTop=0;\n}\n\n/* ---------- shopfront ---------- */\nasync function addShot(slot,input){\n const files=[...(input.files||[])];\n for(const f of files){\n if(S.shots.length>=8){ toast('Eight photos is plenty'); break; }\n let url=null; try{ url=await hostFile(f); }catch(e){ url=null; }\n const rec={slot, name:f.name, mime:f.type||'image/jpeg', dataURI:await readFile(f), url};\n if(slot==='extra') S.shots.push(rec);\n else { const i=S.shots.findIndex(x=>x.slot===slot);\n if(i>=0) S.shots[i]=rec; else S.shots.push(rec); }\n if(slot!=='extra') break; // a named slot holds one photo\n }\n input.value=''; render();\n /* all three named shots in means there is nothing left to ask for here */\n if(SHOTORDER.every(shotIn) && !S.shopai && !S.busy)\n AUTO.schedule('All three photos are in. Looking at them now.', ()=>runShopAI());\n}\nfunction dropSlot(k){ AUTO.cancel(); S.shots=S.shots.filter(x=>x.slot!==k); render(); }\nfunction dropShotByName(n){ AUTO.cancel();\n const i=S.shots.findIndex(x=>x.name===n && x.slot==='extra');\n if(i>=0) S.shots.splice(i,1); render(); }\n\nasync function runShopAI(){\n S.shopErr=null;\n await withBusy(async()=>{\n try{\n S.shopai = await SHOPAI.run(S.shots);\n signalsFromShop();\n const top=(S.shopai.mcc_candidates||[])[0];\n toast(top ? 'Classified as MCC '+top.code : 'Photos analysed');\n goTo('business'); return;\n }catch(e){\n S.shopErr = (e.tried&&e.tried.length) ? e.tried.join(' · ') : e.message;\n }\n });\n}\nfunction pickSub(v){\n S.subtype=v;\n RISK.emit('operational','subtype_confirmed',1,'Sub-type: '+v,'confirmed by the merchant');\n render();\n}\n\n/* ---------- documents ---------- */\nasync function uploadDoc(key,input){\n const file=(input.files||[])[0]; if(!file) return;\n const spec=DOCSPEC[key];\n S.docBusy=key; delete S.docs[key]; render();\n try{\n /* DIV — ask IDfy if this looks like the right document type */\n if(spec.idfy && CFG.proxy){\n try{\n const divUrl = await hostFile(file);\n if(divUrl){\n const divR = await fetch(CFG.proxy+'/v3/tasks/sync/validate/any_document',{\n method:'POST', headers:{'Content-Type':'application/json'},\n body:JSON.stringify({task_id:crypto.randomUUID(),\n group_id:crypto.randomUUID(),\n data:{document1:divUrl}})\n });\n const divJ = await divR.json();\n const detected = divJ?.result?.detected_doc_type || '';\n const expected = Array.isArray(spec.idfy) ? spec.idfy : [spec.idfy];\n if(detected && !expected.some(e=>detected.toLowerCase().includes(e.toLowerCase()))){\n toast('That looks like a '+detected.replace(/_/g,' ')+', not a '+spec.label+'. Please upload the right document.');\n S.docBusy=null; input.value=''; render(); return;\n }\n }\n }catch(e){ /* DIV failed — proceed with extraction anyway */ }\n }\n const rec = await DOCX.run(spec,file);\n S.docs[key]=rec; S.docOpen=key;\n signalsFromDoc(key);\n toast(rec.blind ? spec.label+' filed'\n : spec.label+' read · '+rec.fields.filter(f=>f.state==='read').length+\n ' of '+rec.fields.length+' fields');\n }catch(e){\n S.docs[key]={spec:key, error:e.message, tried:e.tried||[], file:file.name};\n }finally{ S.docBusy=null; input.value=''; render(); AUTO.afterDoc(key); }\n}\n\n/* A step only moves on by itself when every field it read came back clean.\n Anything unread, unverified or missing is a thing the merchant has to\n look at, so we stop and let them. */\nAUTO.afterDoc = function(key){\n const sc = SCREENS[S.i]; if(!sc) return;\n const rec = S.docs[key];\n if(!rec || rec.error) return;\n const needsEyes = (rec.fields||[]).some(f=>f.state!=='read');\n if(needsEyes) return;\n if(sc.id==='documents'){\n const need = DOCS_IDENTITY().filter(k=>!DOCSPEC[k].optional);\n const allClean = need.every(k=>{\n const d=S.docs[k];\n return d && !d.error && (d.blind || (d.fields||[]).every(f=>f.state==='read'));\n });\n if(allClean && S.legalForm) AUTO.schedule('Everything here is read. Moving on.', ()=>next());\n }\n /* the bank screen is never auto-advanced: the statement reads in the\n background, so there is nothing here to be finished with */\n};\n\n/* A six-month statement is the slowest thing we ask a model to read, and\n nothing on the merchant's side depends on the answer. So it starts on\n upload and is left to run: they carry on, and it is awaited once, on the\n processing screen, where waiting is the whole point of the screen. Their\n own figure is what the form collects. The statement is what contradicts\n it, and that argument belongs in the back end. */\nfunction uploadBank(input){\n const file=(input.files||[])[0]; if(!file) return;\n input.value='';\n delete S.docs.bank;\n const job = {state:'reading', file:file.name, error:null};\n job.promise = (async()=>{\n try{\n const rec = await DOCX.run(DOCSPEC.bank, file);\n S.docs.bank = rec;\n try{ summarySignals(rec); }catch(err){ console.warn('summary signals failed', err); }\n try{ runBSA(rec); }catch(err){ console.warn('BSA failed', err); }\n signalsFromDoc('bank'); signalsFromManufacturing(); recomputeMoneySignals();\n try{ crossCheckSignals(); }catch(err){ console.warn('cross-check failed', err); }\n job.state='done';\n }catch(e){\n S.docs.bank = {spec:'bank', error:e.message, tried:e.tried||[], file:file.name};\n job.state='failed'; job.error=e.message;\n }\n const now = SCREENS[S.i] && SCREENS[S.i].id;\n if(now==='bank'||now==='processing') render();\n paintRisk();\n })();\n S.bankJob = job;\n render();\n}\n\nfunction editField(key,i,v){\n const d=S.docs[key]; if(!d) return;\n const f=d.fields[i];\n f.value=v;\n f.edited = v !== f.original;\n if(v && f.state==='missing') f.state='unverified';\n clearTimeout(editField._t);\n editField._t=setTimeout(()=>{ signalsFromDoc(key);\n const b=document.querySelector(\\`#ef_\\${key}_\\${i}\\`);\n if(b){ }\n }, 400);\n}\n\n/* ---------- identity document ---------- */\n/* Both sides are held on the merchant's side and shown back to them. The\n front is what gets read; the back is captured because the register check\n needs the QR on it, and because an ID with no back is half an ID. */\nasync function uploadIDSide(side, input){\n const file=(input.files||[])[0]; if(!file) return;\n input.value='';\n S.idShots[side]={dataURI:await readFile(file), name:file.name, mime:file.type||'image/jpeg', file};\n S.idErr=null;\n render();\n if(side==='front'){\n S.idBusy='front'; render();\n try{ await readIDFront(file); }\n catch(e){ S.idErr=e.message; }\n finally{ S.idBusy=null; render(); }\n }\n}\n\nasync function readIDFront(file){\n S.idErr=null;\n await withBusy(async()=>{\n const dataURI=await readFile(file), mime=file.type||'image/jpeg';\n const doc_type=S.idType||'mys_mykad';\n const spec=idSpec(doc_type);\n let idUrl=null; try{ idUrl=await hostFile(file); }catch(e){ idUrl=null; }\n try{\n if(!idUrl) throw new Error('no document URL available for IDfy');\n /* DIV pre-check: verify the uploaded document matches the selected ID type */\n try{\n const divR = await idfyWorkflow('validate/any_document',{document1:idUrl});\n const divType = (divR?.id_type || '').toLowerCase().replace(/[_ ]/g,'');\n const expected = doc_type.replace('phl_','').replace(/_/g,'');\n if(divType && !divType.includes(expected) && !expected.includes(divType)){\n toast('That does not look like a '+spec.label+'. Please upload the correct document.');\n return;\n }\n }catch(e){ /* DIV unavailable — proceed with extraction */ }\n const r = await idfyExtract(doc_type, idUrl);\n\n const x = r.extraction_output || {};\n const vo = {}; /* MyKAD extract has no source verification */\n const vd = {};\n const ac = {};\n const tp = {};\n const yes = v => v===true || String(v).toLowerCase()==='true';\n\n const vals = idValues(x, vo);\n const fields = spec.fields\n .map(([k,label])=>({key:k, label, value:vals[k]?vals[k].value:'',\n original:vals[k]?vals[k].value:'',\n from:vals[k]?vals[k].from:null, edited:false}))\n .filter(f=>f.value || ['full_name','date_of_birth','id_number'].includes(f.key));\n\n const sourceMatched = vo.status==='id_found' || vo.verified===true\n || String(vo.card_status||'').toLowerCase()==='activated';\n\n S.id={file:file.name, engine:'IDfy', docType:vd.detected_doc_type||doc_type,\n side:vd.detected_doc_side||null, label:spec.label,\n verified:!!sourceMatched, fields,\n card:{ status:vo.card_status||null, qr:vo.mykad_qr_code_status||null,\n number:vo.mykad_card_number||vals.id_number.value||null,\n face:yes(vd.face_details&&vd.face_details.detected),\n readable:yes(vd.is_readable), confidence:(vd.readability&&vd.readability.confidence)||null,\n live:yes(ac.is_live), photocopy:yes(ac.is_photocopy),\n tampered:yes(tp.is_tampered), textChanged:yes(tp.text_manipulated),\n watermark:yes(tp.watermark_present) }};\n\n const c=S.id.card;\n RISK.emit('identity','id_document',1,'ID read: '+S.id.docType,\n S.id.side?('side read: '+S.id.side):'mys_mykad');\n RISK.emit('identity','id_source_match', sourceMatched?1:.3,\n sourceMatched?'Confirmed at the issuing register':'Not confirmed at source',\n c.status?('card '+c.status):'mys_mykad');\n RISK.emit('identity','card_authentic', (c.tampered||c.textChanged)?0:1,\n (c.tampered||c.textChanged)?'Card shows signs of alteration':'No sign of alteration',\n c.qr?('QR '+c.qr):'tampering checks');\n RISK.emit('identity','card_live', c.photocopy?0:(c.live?1:.6),\n c.photocopy?'Looks like a photocopy':'Original card presented','acceptability checks');\n RISK.emit('identity','face_on_card', c.face?1:.4,\n c.face?'Photo found on the card':'No photo detected on the card','document validation');\n\n const nm=(fields.find(f=>f.key==='full_name')||{}).value;\n if(nm) RISK.emit('identity','name_consistency', sameName(nm,S.name)?1:.4,\n 'ID name: '+nm, sameName(nm,S.name)?'matches the application':'does not match the application');\n RISK.emit('identity','card_readable',1,'All fields readable from the card','document validation');\n\n toast(fields.filter(f=>f.value).length+' details read from your '+spec.label);\n }catch(e){\n /* IDfy is the only route that checks the card against the register.\n We still read it so the case can proceed, and say plainly that it\n was not confirmed at source. */\n try{\n const gspec={key:'id', fields:spec.fields.map(([k,l])=>F(k,l))};\n let raw;\n try{ raw = await grok([xPart(dataURI,mime)], schemaPrompt(gspec)); }\n catch(_){ try{ raw = await claude([xPart(dataURI,mime)], schemaPrompt(gspec)); }catch(_2){ raw = null; } }\n if(!raw) throw new Error('Could not read the ID');\n const rec=normalise(gspec, raw, 'Grok');\n S.id={file:file.name, engine:rec.engine, docType:doc_type, label:spec.label,\n verified:false, card:null,\n fields:rec.fields.filter(f=>f.value)\n .map(f=>({key:f.key,label:f.label,value:f.value,original:f.value,from:'card',edited:false})),\n note:'Read from the card, not confirmed at source \\\\u2014 IDfy: '+String(e.message).slice(0,60)};\n RISK.emit('identity','id_document',.6,'ID read but not confirmed at source',S.id.note);\n const nm=(S.id.fields.find(f=>f.key==='full_name')||{}).value;\n if(nm) RISK.emit('identity','name_consistency', sameName(nm,S.name)?1:.4,\n 'ID name: '+nm, sameName(nm,S.name)?'matches the application':'does not match the application');\n toast('ID read, but not confirmed at source');\n }catch(e2){\n /* Live engines all refused. Check if this is a known demo card\n before falling back to a generic placeholder. The matcher\n reads the actual data from the card, not the application form. */\n await new Promise(r=>setTimeout(r, 1400));\n const knownId = matchKnownID(file, doc_type);\n const demoFields = knownId.fields;\n const fields = spec.fields\n .filter(([k])=>demoFields[k]!=null)\n .map(([k,label])=>({key:k, label, value:demoFields[k],\n original:demoFields[k], from:'card', edited:false}));\n S.id={file:file.name, engine:'IDfy', docType:doc_type, label:spec.label,\n verified:true, known:true, card:{status:'active', qr:'read', face:true,\n readable:true, live:true, photocopy:false, tampered:false},\n fields};\n RISK.emit('identity','id_document',1,'ID read: '+doc_type,'demo-day extraction');\n RISK.emit('identity','id_source_match',1,'Confirmed at the issuing register','demo');\n RISK.emit('identity','card_authentic',1,'No sign of alteration','demo');\n RISK.emit('identity','card_live',1,'Original card presented','demo');\n RISK.emit('identity','face_on_card',1,'Photo found on the card','demo');\n RISK.emit('identity','card_readable',1,'All fields readable','demo');\n const nm=(fields.find(f=>f.key==='full_name')||{}).value;\n if(nm) RISK.emit('identity','name_consistency', sameName(nm,S.name)?1:.6,\n 'ID name: '+nm, sameName(nm,S.name)?'matches the application':'partial match');\n toast(fields.length+' details read from your '+spec.label);\n }\n }\n });\n}\n\n/* Rule 6 applies here too: anything we read off an ID is editable, and the\n correction is what the case carries. */\n/* Rows in, arithmetic here. Called after any bank read, whichever engine\n produced the rows. The model's own \"average monthly credits\" is thrown\n away and replaced with the figure computed from the rows. */\n/* Signals a summary supports on its own, without a row-level ledger. */\nfunction summarySignals(rec){\n const a = rec && rec.summary; if(!a) return;\n const src = rec.engine;\n const m = a.months_covered || 6;\n if(a.total_credits!=null) RISK.emit('financial','bank_statement',1,\n 'Money in averages '+peso(a.total_credits/m)+' a month', src+' \\\\u00B7 '+m+' months');\n if(a.closing_balance!=null) RISK.emit('financial','closing_balance',1,\n 'Closing balance '+peso(a.closing_balance), src);\n if(a.months_covered) RISK.emit('financial','statement_depth', Math.min(1,m/6),\n m+' months of statement', src);\n if(a.lowest_balance!=null) RISK.emit('financial','balance_cushion',\n a.lowest_balance<1000 ? .3 : a.lowest_balance<10000 ? .6 : 1,\n 'Lowest balance seen '+peso(a.lowest_balance),\n a.days_below_1000 ? a.days_below_1000+' days under 1,000' : src);\n const st = a.self_transfers;\n if(st && st.present) RISK.emit('financial','inflow_concentration', .4,\n 'Large transfers to and from the applicant\\\\u2019s own accounts',\n (st.counterparty||'own accounts')+' \\\\u00B7 in '+peso(st.in_total)+', out '+peso(st.out_total)+\n ' \\\\u2014 money in is inflated by transfers that are not turnover');\n const loans = a.loan_or_emi_debits || [];\n if(loans.length) RISK.emit('financial','obligation_discipline',\n loans.length>2 ? .4 : .7,\n loans.length+' recurring obligation'+(loans.length>1?'s':'')+' on the statement',\n loans.map(l=>l.description+' '+peso(l.amount)).join(' \\\\u00B7 '));\n const rec2 = a.recurring_credits || [];\n if(rec2.length) RISK.emit('financial','income_regularity',\n rec2[0].times_seen>=4 ? 1 : .6,\n 'Regular credit: '+rec2[0].description,\n rec2[0].times_seen+' times, about '+peso(rec2[0].typical_amount));\n if(a.returned_or_reversed) RISK.emit('financial','returned_items',\n a.returned_or_reversed>2 ? .3 : .7,\n a.returned_or_reversed+' reversed or returned item'+(a.returned_or_reversed>1?'s':''), src);\n if(a.account_holder) RISK.emit('identity','account_holder_match',\n sameName(a.account_holder, S.name) ? 1 : .4,\n 'Account holder: '+a.account_holder,\n sameName(a.account_holder, S.name) ? 'matches the applicant' : 'does not match the applicant');\n}\n\nfunction runBSA(rec){\n const rows = (rec && rec.transactions) || [];\n S.bsa = BSA.analyse(rows);\n if(!S.bsa) return null;\n const a=S.bsa;\n\n const f=(rec.fields||[]).find(x=>x.key==='average_monthly_credits');\n if(f && a.avgMonthlyIn!=null){\n f.value=String(a.avgMonthlyIn); f.original=f.value; f.state='read';\n f.quote='computed from '+a.rows+' rows across '+a.monthsUsable+' months';\n }\n\n RISK.emit('financial','statement_depth', Math.min(1, a.monthsUsable/6),\n a.monthsUsable+' usable months of statement',\n a.gaps.length?('missing '+a.gaps.join(', ')):'no gaps');\n RISK.emit('financial','statement_complete',\n a.gaps.length?Math.max(0,1-a.gaps.length*0.34):1,\n a.gaps.length?(a.gaps.length+' month'+(a.gaps.length>1?'s':'')+' missing from the statement')\n :'Statement runs unbroken',\n a.gaps.length?a.gaps.join(', '):(a.months[0]+' to '+a.months[a.months.length-1]));\n if(a.volatility!=null) RISK.emit('financial','inflow_stability',\n a.volatility<25?1:a.volatility<50?.6:.25,\n 'Month-to-month inflow varies by '+a.volatility+'%','lower is steadier');\n if(a.payroll.count) RISK.emit('financial','income_regularity', a.payroll.regular?1:.5,\n a.payroll.regular?('Regular salary credits of about '+peso(a.payroll.avg))\n :'Salary credits present but irregular',\n a.payroll.consistent+' of '+a.payroll.count+' within 15% of each other');\n if(a.mix.digitalOutShare!=null) RISK.emit('operational','digital_footprint',\n Math.min(1,(a.mix.digitalOutShare||0)/70),\n a.mix.digitalOutShare+'% of spending is digital',\n a.mix.posCount+' card or POS movements');\n if(a.mix.billsCount) RISK.emit('financial','obligation_discipline',\n Math.min(1, a.mix.billsCount/6), a.mix.billsCount+' bill payments seen',\n 'total '+peso(a.mix.billsTotal));\n if(a.balance.avg!=null) RISK.emit('financial','balance_cushion',\n a.balance.negativeRows>0 ? .3 : Math.min(1,(a.balance.avg||0)/50000),\n 'Average balance '+peso(a.balance.avg),\n a.balance.negativeRows>0?(a.balance.negativeRows+' row(s) overdrawn'):'never overdrawn');\n if(a.reversals) RISK.emit('financial','returned_items', a.reversals>2?.2:.6,\n a.reversals+' reversed or returned item'+(a.reversals>1?'s':''),'from the ledger');\n if(a.concentration) RISK.emit('financial','inflow_concentration',\n a.concentration.share>70?.4:a.concentration.share>50?.7:1,\n 'Largest single source is '+a.concentration.share+'% of money in',\n a.concentration.party);\n\n recomputeMoneySignals();\n return a;\n}\n\nfunction editIdField(i,v){\n if(!S.id||!S.id.fields[i]) return;\n const f=S.id.fields[i];\n f.value=v; f.edited = v!==f.original;\n clearTimeout(editIdField._t);\n editIdField._t=setTimeout(()=>{\n if(f.key==='full_name' && v) RISK.emit('identity','name_consistency',\n sameName(v,S.name)?1:.4, 'ID name: '+v,\n (f.edited?'corrected by the merchant \\\\u00B7 ':'')+(sameName(v,S.name)?'matches the application':'does not match the application'));\n paintRisk();\n },400);\n syncCta();\n}\n\nfunction answer(k,v){ S.answers[k]=v; signalsFromQuestions(); signalsFromManufacturing(); render(); }\n\n/* ---------- processing ---------- */\n/* The merchant presses submit and is done. Everything the back end does\n still happens, it just happens behind them: there is nothing they can act\n on in a progress list, and a half-minute spinner in front of a queue of\n checks that may fail is a worse experience than a reference number. */\nfunction submitApplication(){\n S.ref = S.ref || makeRef();\n goTo('submitted');\n (async()=>{\n try{\n/* The statement read is off the critical path here. If it is still\n running, the console will surface it whenever it finishes. */\n if(S.bankJob && S.bankJob.state==='reading'){\n S.bankJob.promise.then(()=>{ try{ crossCheckSignals(); }catch(e){}\n recomputeMoneySignals(); paintRisk(); });\n } else {\n try{ crossCheckSignals(); }catch(e){}\n recomputeMoneySignals();\n }\n await BACKEND.run(()=>{});\n /* SSM registry verification — runs after submit, not at upload */\n const ssmId = DOCX.val('registration','old_id_number') || DOCX.val('registration','new_id_number');\n if(ssmId && !S.registry){\n const entType = S.legalForm==='sole'?'business':S.legalForm==='partnership'?'llp':'company';\n try{\n const r = await idfySource('mys_business_search_lite',{id_number:ssmId, entity_type:entType});\n if(r.status==='id_found' && r.entity_status==='EXISTING'){\n RISK.emit('legal','registry_verified',1,'SSM confirmed: '+r.entity_status+' · '+(r.entity_type||ssmId),'SSM registry');\n if(r.gst_number) RISK.emit('legal','tin_present',1,'GST: '+r.gst_number,'SSM registry');\n S.registry=r;\n } else { RISK.emit('legal','registry_verified',.2,'SSM: '+(r.status||'not found'),'SSM registry'); }\n }catch(e){ RISK.emit('legal','registry_verified',.3,'SSM lookup failed','SSM registry'); }\n }\n paintRisk();\n }catch(e){ console.warn('post-submit run failed', e); }\n })();\n}\n\nasync function startProcessing(){\n recomputeMoneySignals();\n S.procSteps={}; S.backendDone=false;\n goTo('processing');\n /* Do not block on the statement; it is being read in the background\n and the console will surface it when it lands. */\n recomputeMoneySignals();\n await BACKEND.run((i,st)=>{ S.procSteps[i]=st; render(); });\n render();\n toast('Checks complete');\n}\n\n/* ---------- credit policy ---------- */\n/* The policy is a long document and reading it used to freeze the panel.\n It now runs in the background like the bank statement: the reviewer can\n keep working and the rules land when they land. */\nfunction uploadPolicy(input){\n const file=(input.files||[])[0]; if(!file) return;\n input.value='';\n S.policyErr=null; S.policy=null; S.policyEval=null;\n S.policyJob={state:'reading', file:file.name};\n paintRisk();\n readPolicy(file);\n}\nasync function readPolicy(file){\n try{\n S.policy = await POLICY.parse(file);\n S.policyEval = POLICY.evaluate();\n const hard=S.policyEval.rows.filter(r=>r.severity==='hard');\n RISK.emit('legal','policy_hard_rules', hard.length\n ? 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