[{"_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-PHL/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-PHL/profileiq_payload_d.ts","extension","id","59cd5cf3-c267-4112-8494-f678bc142e30","profileiq_payload_d.ts","fileId","e9421870-b007-11f1-a1f9-1607ee4eb77e","parentId","e1b0657c-b006-11f1-8c10-1607ee4eb77e","branchId","df48c4e7-05fa-432b-a459-74b0de46b89d","branchVersion",196,"latest",true,"createdAt",["D",1789534249651],"version",7,"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 (Christmas, Holy Week, Back-to-School)?', 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 (Christmas, Holy Week, Back-to-School)?', 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 FDA licence to operate (LTO) 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 PhilHealth, HMO or insurance panels?', opts:['No','PhilHealth panel','Private HMO / 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 (Christmas, Holy Week, Back-to-School)?', 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 (Christmas, Holy Week, Back-to-School)?', 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 'Transport':[\n {k:'fleet', q:'How many vehicles do you operate?', 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:'trips', q:'How many trips or runs a day?', opts:['Under 5','5 to 10','10 to 20','More than 20']},\n {k:'fuel', q:'Roughly what share of your revenue goes on fuel?', opts:['Under 20%','20% to 35%','35% to 50%','More than 50%']},\n {k:'ltfrb', q:'Are your franchise, LTFRB permits and OR/CR current?', opts:['All current','Some renewing','Some expired','Not sure']}],\n 'Agriculture and fishing':[\n {k:'harvest',q:'How often do you harvest or sell?', opts:['Weekly','Monthly','Every season (3-4 months)','Once a year']},\n {k:'crop', q:'What is your main product?', opts:['Rice / corn','Vegetables / fruit','Livestock / poultry','Fish / aquaculture','Mixed']},\n {k:'coop', q:'Are you a member of a cooperative?', opts:['No','Yes, active','Yes, but inactive']},\n {k:'irrigation',q:'Do you have irrigation or cold storage?', opts:['Neither','Irrigation only','Cold storage only','Both']},\n {k:'seasonal',q:'How much do your sales change between harvest and lean months?', opts:['About the same','Noticeable dip','Big swing','Almost nothing in lean months']}],\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 \\\\u20b1500k','\\\\u20b1500k to 2M','\\\\u20b12M to 10M','More than \\\\u20b110M']},\n {k:'export_markets',q:'Where do most of your exports go?', opts:['Philippines only','ASEAN','US or Europe','Everywhere \\\\u2014 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','offer','documents','identity','shopfront',\n 'business','questions','bank','processing','prequal','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 DTI/SEC Certificate', DOCX.val('registration','company_name'), {ok:!!DOCX.val('registration','company_name')}),\n factCard('Name on PhilSys ID', 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('DTI/SEC Certificate', DOCX.val('registration','company_name'),\n {ok:!!DOCX.val('registration','company_name'), note:S.docs.registration?'Extracted via IDfy':''}),\n factCard('Registration 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 $('#ctaBar').innerHTML =\n (S.i>0?\\`\\`:'') +\n \\`\\`;\n if(w) w.scrollTop = top;\n if(fid){\n const el=document.getElementById(fid);\n if(el){ el.focus(); if(caret!=null){ try{ el.setSelectionRange(caret,caret); }catch(e){} } }\n }\n S._at = sc.id;\n if(!same && sc.onEnter) try{ sc.onEnter(); }catch(e){ console.log('[onEnter]',e); }\n }catch(e){ console.error('render() failed:',e); }\n}\nfunction syncCta(){\n const sc=SCREENS[S.i], c=sc.cta?sc.cta():{}, ready=sc.ready?sc.ready():true;\n const b=$('#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(typeof stopSelfieCamera==='function') try{stopSelfieCamera();}catch(e){}\n if(S.i0){ S.i--; render(); } }\nfunction goTo(id){ AUTO.cancel(); const i=SCREENS.findIndex(s=>s.id===id); if(i>=0){ S.i=i; render(); } }\nasync function withBusy(fn){ S.busy=true; syncCta(); try{ await fn(); } finally { S.busy=false; render(); } }\n\n\n/* =====================================================================\n ADMIN — how this deployment is configured, and how its models behave\n Three things live here, and nothing else should:\n 1. which readers run, and in what order\n 2. which scoring models are connected, internal and external\n 3. what those models are doing to the book over time\n Everything is stored on CONFIG. Nothing here changes a live case\n retrospectively; weights apply to the next scoring run.\n ===================================================================== */\n/* =====================================================================\n PRODUCT CATALOGUE — each product defines its flow, risk weights,\n document requirements, and decision parameters.\n ===================================================================== */\nconst PRODUCTS = {\n merchant:{label:'Merchant Lending',\n flow:['start','ask','offer','documents','identity','shopfront','business','questions','bank','processing','prequal','submitted'],\n weights:{identity:.20,financial:.35,operational:.25,legal:.12,reputational:.08},\n docs:['registration','bank'],\n sizing:'turnover', ltvNote:'1-3x monthly turnover, 6-24 months'},\n msme:{label:'MSME Term Loan',\n flow:['start','ask','documents','identity','questions','bank','submitted'],\n weights:{identity:.15,financial:.40,operational:.20,legal:.15,reputational:.10},\n docs:['registration','moa','aoa','board_resolution','bank'],\n sizing:'financials', ltvNote:'DSCR + leverage + banking conduct'},\n auto:{label:'Auto Finance',\n flow:['start','ask','documents','identity','bank','submitted'],\n weights:{identity:.20,financial:.35,operational:.15,legal:.15,reputational:.15},\n docs:['registration','bank'],\n sizing:'income', ltvNote:'80-90% of invoice (new), 65-75% valuation (used)'},\n personal:{label:'Personal Loan',\n flow:['start','ask','identity','bank','submitted'],\n weights:{identity:.30,financial:.40,operational:.05,legal:.05,reputational:.20},\n docs:['bank'],\n sizing:'income', ltvNote:'FOIR-driven, bureau score + employer tier'},\n gold:{label:'Gold Loan',\n flow:['start','ask','identity','submitted'],\n weights:{identity:.10,financial:.10,operational:.60,legal:.10,reputational:.10},\n docs:[],\n sizing:'collateral', ltvNote:'Appraised value x LTV cap (typically 75%)'},\n lap:{label:'Loan Against Property',\n flow:['start','ask','documents','identity','bank','submitted'],\n weights:{identity:.15,financial:.30,operational:.10,legal:.35,reputational:.10},\n docs:['registration','bank'],\n sizing:'dual', ltvNote:'LTV on distress value AND DSCR'},\n};\nlet PRODUCT = 'merchant';\nfunction loadProduct(key, silent){\n const p=PRODUCTS[key]; if(!p || PRODUCT===key) return;\n PRODUCT=key;\n RISK.weight=Object.assign({},p.weights);\n DOCORDER.length=0; p.docs.forEach(d=>DOCORDER.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:.35, operational:.25, legal:.12, reputational:.08},\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:'sss_statement', label:'SSS contribution report', 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:'Meralco / electric 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('DTI/SEC Certificate', DOCX.val('registration','company_name'), 'Company name on DTI cert');\n push('DTI/SEC 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('DTI 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('sss_statement')) push('SSS contribution report', DOCX.val('sss_statement','employer_name'), 'Employer paying SSS');\n if(has('customs_declaration')) push('Customs declaration', DOCX.val('customs_declaration','exporter_name'), 'Exporter of record');\n if(has('utility_bill')) push('Meralco / electric 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 — DTI 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)} (DTI/SEC Certificate takes precedence; ID falls back)

\\`\n : '

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

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