[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_105":106,"_107":108},"routes/embed.x.$handle.$name.$",{"_9":10,"_11":12,"_13":14,"_15":16,"_17":18,"_19":20,"_21":-5},"handle","uttiyam","name","IDfy_Prop","path","MSME-lending-PHL/profileiq_payload_e.ts","project",{"_22":48,"_11":12,"_35":49,"_50":-5,"_51":44,"_52":53,"_54":53,"_55":56,"_57":-5,"_58":59,"_60":61,"_62":34,"_63":-5,"_64":-5,"_65":66,"_67":68,"_69":-5,"_70":-5,"_71":-5,"_72":-5,"_73":74,"_75":74,"_76":77,"_78":77,"_79":77,"_80":74,"_81":74,"_82":83,"_84":85,"_86":87,"_88":44},"file",{"_22":23,"_11":24,"_25":26,"_27":28,"_29":30,"_31":32,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":-5,"_13":46},"permalink","https://www.val.town/x/uttiyam/IDfy_Prop/code/MSME-lending-PHL/profileiq_payload_e.ts","extension","id","5dc5c2d0-4968-40d8-bf0a-8fc68ea8e811","profileiq_payload_e.ts","fileId","f410a85c-b007-11f1-a55c-1607ee4eb77e","parentId","e1b0657c-b006-11f1-8c10-1607ee4eb77e","branchId","df48c4e7-05fa-432b-a459-74b0de46b89d","branchVersion",199,"latest",true,"createdAt",["D",1789537370087],"version",13,"fileType","http","content","/**\n * ProfileIQ MY — APP_HTML_E (plain text, part 5/5).\n */\nexport const APP_HTML_E = ` const m = money();\n const amountRows = (m.reads||[]).map(r=>({src:r.label, val:r.pending?null:r.value, hint:r.detail||r.src}));\n const declared = amountRows.find(r=>/declared/i.test(r.src))?.val;\n const bank = amountRows.find(r=>/bank/i.test(r.src))?.val;\n const opsEst = amountRows.find(r=>/operational|operations/i.test(r.src))?.val;\n const rangeOK = (a,b) => {\n if(a==null || b==null) return null;\n const base = Math.max(Math.abs(a), Math.abs(b), 1);\n return Math.abs(a-b)/base;\n };\n const dev = (a,b) => { const g = rangeOK(a,b); return g==null ? null : Math.round(g*100); };\n const devBadge = d => d==null ? 'n/a'\n : d<=15 ? ''+d+'% (within tolerance)'\n : d<=30 ? ''+d+'% (elevated)'\n : ''+d+'% (outlier)';\n\n const amountHTML = amountRows.length ? \\`\n \n \n \\${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:'DTI/SEC Certificate',val:ssmAddr});\n const utilAddr = DOCX.val('utility_bill','premises_address'); if(utilAddr) addrRows.push({src:'Meralco / electric 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('sss_statement')||has('utility_bill')||has('supplier_invoice'));\n const manufHTML = manuf ? \\`\n \n \\${has('sss_statement')?\\`\\`:''}\n \\${has('customs_declaration')?\\`\\`:''}\n \\${has('purchase_order')?\\`\\`:''}\n \\${has('utility_bill')?\\`\\`:''}\n \\${has('supplier_invoice')?\\`\\`:''}\n

Headcount (SSS)	\\${esc(DOCX.val('sss_statement','total_employees')\|\|'—')} employees · RM \\${esc(DOCX.val('sss_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, DTI/SEC Certificate registered address, factory address on electric 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 ['DTI/SEC Certificate',!!S.docs.registration && !S.docs.registration.error],\n ['DTI 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==='my', uwTab=sub==='uw';\n const mockInRM=MOCK_PROFILES.filter(p=>p.status==='Under Review'||p.status==='Approved').length;\n const mockInDone=MOCK_PROFILES.filter(p=>p.status==='Approved'||p.status.includes('Active')||p.status==='Rejected').length;\n const tabs=[['my','RM Queue',(showInRM?1:0)+mockInRM],['uw','Credit UW Queue',showInUW?'1':'0'],['done','Completed',(showInDone?1:0)+mockInDone]];\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 console.log('[BO]',{sub,rmTab,hasCase,rmApproved,rejected,showInRM,showRow,name:S.name,ask:S.ask,backend:JSON.stringify(S.backend||[])});\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 \\${MOCK_PROFILES.map(p=>{\n const sc=p.status==='Approved'||p.status.includes('Active')?'#16a34a':p.status==='Rejected'?'#dc2626':'#d97706';\n const showMock=(rmTab&&(p.status==='Under Review'||p.status==='Approved'))||(uwTab&&p.status==='Approved')||(sub==='done'&&(p.status==='Approved'||p.status.includes('Active')||p.status==='Rejected'));\n return showMock?\\`\n \n \n \n \n \n \\`:'';}).join('')}\n \\${!showRow&&!(rmTab||uwTab||sub==='done')?'':''}\n

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

\n \n

\n \\${S.boDupSearch?findDuplicatesPanel():''}\n

\\`;\n } else if(pg==='case'){\n try{\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('DTI/SEC Certificate',!!S.docs.registration&&!S.docs.registration.error,S.docs.registration?\\`

\\${fld('Company',DOCX.val('registration','company_name')||'\\\\u2014')}\\${fld('License 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 DTI/DTI/SEC Certificate uploaded

')+\n card('DTI 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 DTI/DTI/SEC Certificate extraction

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

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

\\`):'')+\n linkedProfilesCard();\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 }catch(caseErr){\n console.error('[BO case render]', caseErr);\n main=\\`

\\\\u2190 Back to My Tasks

Error rendering case

\\${esc(String(caseErr))}

\\`;\n }\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 assessment by merchant type

Revenue drivers, COGS benchmarks, and seasonality haircuts by MCC category. Upload your own assessment metrics for each merchant type, or download the template to fill in.

\n \n \n \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\n/* ── Linked profiles panel: fuzzy DTI matching ── */\nconst MOCK_PROFILES = [\n {ref:'PH-20260815-44012', name:'Marie Annelli Caballero', business:'PARKS N BREWS CAFE',\n dti:'1987512', region:'ARMM - Mindanao', amount:150000, score:72, status:'Approved',\n date:'2026-08-15', product:'Working Capital Line', linked:true,\n history:[{date:'2026-08-15',event:'Application submitted'},{date:'2026-08-16',event:'RM approved'},{date:'2026-08-17',event:'Disbursed - \\u20b1150,000'}]},\n {ref:'PH-20260301-31887', name:'Marie Annelli Caballero', business:'PARKS N BREWS CAFE - BRANCH 2',\n dti:'1987512', region:'ARMM - Mindanao', amount:80000, score:68, status:'Active - Repaying',\n date:'2026-03-01', product:'Term Loan', linked:true,\n history:[{date:'2026-03-01',event:'Application submitted'},{date:'2026-03-02',event:'Auto-linked to DTI 1987512'},{date:'2026-03-03',event:'Disbursed - \\u20b180,000'},{date:'2026-06-01',event:'3 payments on time'}]},\n {ref:'PH-20260620-28334', name:'Annelli Marie Caballero', business:'A.M. CABALLERO TRADING',\n dti:'1987513', region:'ARMM - Mindanao', amount:200000, score:61, status:'Under Review',\n date:'2026-06-20', product:'Invoice Financing', linked:false, similarity:0.91,\n history:[{date:'2026-06-20',event:'Application submitted'},{date:'2026-06-21',event:'Flagged - similar name to DTI 1987512'}]},\n {ref:'PH-20260110-15602', name:'Carlos Reyes', business:'REYES AUTO PARTS',\n dti:'2045678', region:'NCR - Manila', amount:300000, score:78, status:'Approved',\n date:'2026-01-10', product:'Working Capital Line', linked:false, similarity:0.12},\n {ref:'PH-20260425-33190', name:'Marie Ann Caballero', business:'PARKS CAFE DAVAO',\n dti:'1987599', region:'Region XI - Davao', amount:120000, score:65, status:'Rejected',\n date:'2026-04-25', product:'Term Loan', linked:false, similarity:0.87,\n history:[{date:'2026-04-25',event:'Application submitted'},{date:'2026-04-26',event:'Flagged - 87% name match to DTI 1987512'},{date:'2026-04-28',event:'Rejected - suspected duplicate'}]},\n {ref:'PH-20260520-22001', name:'Elena Santos', business:'SANTOS GENERAL MERCHANDISE',\n dti:'2098765', region:'Region III - Central Luzon', amount:250000, score:74, status:'Approved',\n date:'2026-05-20', product:'Merchant Lending', linked:false, similarity:0.08},\n {ref:'PH-20260712-35501', name:'Roberto Cruz', business:'CRUZ HARDWARE',\n dti:'2112340', region:'Region IV-A - Calabarzon', amount:180000, score:70, status:'Active - Repaying',\n date:'2026-07-12', product:'Working Capital Line', linked:false, similarity:0.05},\n {ref:'PH-20260903-41220', name:'Grace Tan', business:'TAN PHARMACY',\n dti:'2223456', region:'NCR - Makati', amount:400000, score:81, status:'Approved',\n date:'2026-09-03', product:'MSME Term Loan', linked:false, similarity:0.03}\n];\n\nfunction linkedProfilesCard(){\n const dtiNum = DOCX.val('registration','old_id_number') || DOCX.val('registration','new_id_number') || DOCX.val('registration','registration_number') || '';\n const applicantName = S.name || '';\n /* Find linked profiles (same DTI) and similar profiles (fuzzy match) */\n const linked = MOCK_PROFILES.filter(p=>p.linked && p.dti===('1987512'));\n const similar = MOCK_PROFILES.filter(p=>!p.linked && (p.similarity||0)>0.7);\n const unrelated = MOCK_PROFILES.filter(p=>!p.linked && (p.similarity||0)<=0.7);\n if(!linked.length && !similar.length) return '';\n\n const profileRow = (p, type) => {\n const col = type==='linked' ? '#16a34a' : type==='similar' ? '#d97706' : '#6b7280';\n const bg = type==='linked' ? '#f0fdf4' : type==='similar' ? '#fffbeb' : '#f9fafb';\n const badge = type==='linked' ? 'LINKED'\n : type==='similar' ? ''+Math.round((p.similarity||0)*100)+'% MATCH'\n : '';\n const statusCol = p.status==='Approved'||p.status.includes('Active')?'#16a34a':p.status==='Rejected'?'#dc2626':'#d97706';\n return \\`

\\${esc(p.business)}

\\${esc(p.name)} \\u00b7 DTI \\${esc(p.dti)} \\u00b7 \\${esc(p.region)}

\\${badge}

Ref
\\${esc(p.ref)}

Amount
\\${peso(p.amount)}

Score
\\${p.score}

Status
\\${esc(p.status)}

\n \\${p.history?\\`

Timeline (\\${p.history.length} events)

\n \\${p.history.map(h=>\\`

\\${esc(h.date)} \\${esc(h.event)}

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

\\`:''}\n \\${type==='similar'?\\`

\n \n \n

\\`:''}\n

\\`;\n };\n\n return card('Profile Linking \\u2014 DTI Cross-Reference', linked.length>0, \\`\n

\n Fuzzy DTI Matching
\n Searched all profiles for DTI numbers within 2 edit-distance of \\${esc(dtiNum||'1987512')} and names similar to \\${esc(applicantName||'the applicant')}.\n Found \\${linked.length} linked and \\${similar.length} potential matches.\n

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

Confirmed linked profiles (same DTI)

\\${linked.map(p=>profileRow(p,'linked')).join('')}

\\`:''}\n \\${similar.length?\\`

Potential matches (review required)

\\${similar.map(p=>profileRow(p,'similar')).join('')}

\\`:''}\n \\`);\n}\n\n/* Jaro-Winkler similarity for name fuzzy matching */\nfunction jaroWinkler(s1, s2){\n if(!s1||!s2) return 0;\n s1=s1.toUpperCase().trim(); s2=s2.toUpperCase().trim();\n if(s1===s2) return 1;\n const l1=s1.length, l2=s2.length;\n const matchDist=Math.max(Math.floor(Math.max(l1,l2)/2)-1, 0);\n const s1m=new Array(l1).fill(false), s2m=new Array(l2).fill(false);\n let matches=0, transpositions=0;\n for(let i=0;i{\n if(!dtiMap[p.dti]) dtiMap[p.dti] = [];\n dtiMap[p.dti].push(p);\n });\n const dtiDups = Object.entries(dtiMap).filter(([_,arr])=>arr.length>1);\n\n /* Fuzzy name match across all pairs */\n const nameDups = [];\n for(let i=0;i=0.82) nameDups.push({a,b,similarity:sim});\n }\n }\n\n const statusCol = s => s==='Approved'||s.includes('Active')?'#16a34a':s==='Rejected'?'#dc2626':'#d97706';\n const pRow = (p) => \\`

\\${esc(p.business)} \\${esc(p.name)}

\n DTI \\${esc(p.dti)}\n \\${peso(p.amount)}\n \\${esc(p.status)}\n

\\`;\n\n return \\`

Duplicate Profile Scan

Scanned \\${MOCK_PROFILES.length} profiles using Jaro-Winkler fuzzy matching on names and exact DTI cross-reference

\n \\${dtiDups.length} DTI duplicate\\${dtiDups.length===1?'':'s'}\n \\${nameDups.length} name match\\${nameDups.length===1?'':'es'}\n

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

\\u26A0 Same DTI number — likely same borrower

\n \\${dtiDups.map(([dti,profiles])=>\\`

DTI \\${esc(dti)} \\u2014 \\${profiles.length} profiles

\n \\${profiles.map(p=>pRow(p)).join('')}\n

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

\\`:''}\n \\${nameDups.length?\\`

\\u{1F50D} Similar names — requires manual review

\n \\${nameDups.map(nd=>\\`

\n \\${Math.round(nd.similarity*100)}% name similarity \\u2014 \\${esc(nd.a.name)} vs \\${esc(nd.b.name)}\n

\n \\${pRow(nd.a)}\\${pRow(nd.b)}\n

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

\\`:''}\n \\${!dtiDups.length&&!nameDups.length?'

No duplicates found across \\${MOCK_PROFILES.length} profiles.

':''}\n

\\`;\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/* ---------- selfie / liveness ---------- */\nfunction startSelfieCapture(){\n const v=document.getElementById('selfieVideo');\n const cd=document.getElementById('selfieCountdown');\n const btn=document.getElementById('selfieBtn');\n if(!v||!v.srcObject){ toast('Camera not ready — allow camera access and try again'); return; }\n if(btn) btn.disabled=true;\n let count=3;\n cd.style.display='block';\n cd.textContent=count;\n const tick=setInterval(()=>{\n count--;\n if(count>0){ cd.textContent=count; }\n else {\n clearInterval(tick);\n cd.textContent='';\n cd.style.display='none';\n /* Capture frame */\n const can=document.getElementById('selfieCan');\n can.width=v.videoWidth||640; can.height=v.videoHeight||480;\n can.getContext('2d').drawImage(v,0,0,can.width,can.height);\n S.selfie=can.toDataURL('image/jpeg',0.85);\n /* Stop camera */\n v.srcObject.getTracks().forEach(t=>t.stop());\n v.srcObject=null;\n toast('Selfie captured');\n render();\n }\n },1000);\n}\nfunction stopSelfieCamera(){\n const v=document.getElementById('selfieVideo');\n if(v&&v.srcObject){ v.srcObject.getTracks().forEach(t=>t.stop()); v.srcObject=null; }\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 /* Trigger extraction once both front and back are uploaded */\n if(S.idShots.front && S.idShots.back){\n S.idBusy='front'; render();\n try{ await readIDFront(S.idShots.front.file, S.idShots.back.file); }\n catch(e){ S.idErr=e.message; }\n finally{ S.idBusy=null; render(); }\n }\n}\n\nasync function readIDFront(frontFile, backFile){\n S.idErr=null;\n await withBusy(async()=>{\n const dataURI=await readFile(frontFile), mime=frontFile.type||'image/jpeg';\n const backDataURI=backFile ? await readFile(backFile) : null;\n const doc_type=S.idType||'phl_philid';\n const spec=idSpec(doc_type);\n\n /* ── FAST PATH: check KNOWN_ID first for demo files ── */\n const knownId = matchKnownID(frontFile, doc_type);\n if(knownId && knownId.fields && knownId.fields.full_name){\n await new Promise(r=>setTimeout(r, 1200)); /* brief delay for realism */\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:frontFile.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,'PhilSys extraction');\n RISK.emit('identity','id_source_match',1,'Confirmed at the issuing register','PhilSys');\n RISK.emit('identity','card_authentic',1,'No sign of alteration','PhilSys');\n RISK.emit('identity','card_live',1,'Original card presented','PhilSys');\n RISK.emit('identity','face_on_card',1,'Photo found on the card','PhilSys');\n RISK.emit('identity','card_readable',1,'All fields readable','PhilSys');\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 return;\n }\n\n /* ── LIVE PATH: try IDfy API, then Grok, then Claude ── */\n let idUrl=null; try{ idUrl=await hostFile(frontFile); }catch(e){ idUrl=null; }\n let idUrl2=null; try{ if(backFile) idUrl2=await hostFile(backFile); }catch(e){ idUrl2=null; }\n try{\n if(!idUrl && !dataURI) throw new Error('no document data 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||dataURI});\n const divType = (divR?.id_type || '').toLowerCase().replace(/[_ ]/g,'');\n const expected = doc_type.replace('phl_','').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 /* Send both front (document1) and back (document2) to IDfy.\n Map internal doc_type to IDfy endpoint name:\n phl_philid → phl_philsys (IDfy uses this endpoint name) */\n const idfyDocType = doc_type === 'phl_philid' ? 'phl_philsys' : doc_type;\n const r = await idfyExtract(idfyDocType, idUrl, dataURI, idUrl2||backDataURI);\n\n const x = r.extraction_output || {};\n const vo = r.verification_output || {};\n const vd = r.document_validation || r.validation_details || {};\n const ac = r.acceptability_check || {};\n const tp = r.tampering_check || {};\n console.log('[IDfy PhilSys] extraction_output:', JSON.stringify(x, null, 2));\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:frontFile.name, engine:'IDfy + Grok', 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.philid_qr_code_status||null,\n number:vo.philid_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):'phl_philid');\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):'phl_philid');\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:frontFile.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 await new Promise(r=>setTimeout(r, 1400));\n const knownId = matchKnownID(frontFile, doc_type);\n if(!knownId || !knownId.fields){\n /* Genuinely unknown card and all APIs failed — show a clear error */\n S.idErr = 'Could not read your ID. IDfy: '+String(e.message).slice(0,80)\n + (e2.message ? ' / Grok: '+String(e2.message).slice(0,60) : '');\n toast('We could not read that ID — please try a clearer photo.');\n return;\n }\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:frontFile.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 /* PH-specific: remittance inflow detection — common in MSME households.\n Transfer-in credits labelled INSTAPAY/PESONET that are regular but NOT payroll\n suggest remittance-supported cash flow, which is positive for repayment capacity\n but not for business sizing. */\n if(a.buckets){\n const tin=a.buckets.transfer_in||{in:0,n:0};\n const inw=a.buckets.inward||{in:0,n:0};\n const remitLike=tin.in+inw.in;\n const remitPct=a.totalCredits>0?Math.round((remitLike/a.totalCredits)*100):0;\n if(remitPct>15) RISK.emit('financial','remittance_pattern',\n remitPct>50?.5:remitPct>30?.7:1,\n remitPct+'% of inflow is transfers/remittances — '+(remitPct>50?'household depends heavily on external transfers':'supplementary income stream'),\n peso(remitLike)+' across '+(tin.n+inw.n)+' transactions');\n }\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 /* DTI/DTI/SEC Certificate 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('phl_dti',{id_number:ssmId, entity_type:entType});\n if(r.status==='id_found' && r.entity_status==='EXISTING'){\n RISK.emit('legal','registry_verified',1,'DTI confirmed: '+r.entity_status+' · '+(r.entity_type||ssmId),'DTI registry');\n if(r.gst_number) RISK.emit('legal','tin_present',1,'GST: '+r.gst_number,'DTI registry');\n S.registry=r;\n } else { RISK.emit('legal','registry_verified',.2,'DED: '+(r.status||'not found'),'DTI registry'); }\n }catch(e){ RISK.emit('legal','registry_verified',.3,'DTI lookup failed','DTI 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 ? hard.filter(r=>r.verdict==='pass').length/hard.length : .5,\n S.policy.rules.length+' policy rules loaded', S.policy.policy_name||file.name);\n S.policyJob={state:'done', file:file.name};\n toast(S.policy.rules.length+' rules parsed by '+S.policy.engine);\n }catch(e){\n S.policyErr = (e.tried&&e.tried.length) ? e.tried.join(' · ') : e.message;\n S.policyJob={state:'failed', file:file.name};\n }\n paintRisk();\n}\nfunction reEvaluate(){\n if(!S.policy) return;\n S.policyEval = POLICY.evaluate();\n toast(S.policyEval.pass+' pass · '+S.policyEval.fail+' fail');\n paintRisk();\n}\n\n/* ---------- boot ---------- */\nwindow.addEventListener('DOMContentLoaded',()=>{\n render(); paintScore();\n if(!CFG.idfy.accountId || !CFG.idfy.apiKey)\n toast('No IDfy credentials configured — extraction will fall back to Gemini');\n});\n\n\n\n`;","deleted",false,"label",[47,24],"MSME-lending-PHL","47e0794c-3deb-4401-a05d-7898c4a48ac1",["D",1788964891777],"deletedAt","legacyEnvVars","privacy","public","httpPrivacy","description","","imageUrl","userId","0990d888-332a-426c-83c7-284f37a85792","pinnedFileId","8c6e211a-ac5c-11f1-907a-1607ee4eb77e","pinPreview","pinMigrated","screenshotVersion","likeCount",0,"orgId","01a0869d-70dd-7160-99eb-a19d5b289cea","tursoName","tursoHostname","tursoMeasuredAt","pinned","userPerm","r","valPerm","blobPerm","rw","emailPerm","sqlitePerm","projectPerm","telemetryPerm","user",{"_9":10,"_104":-5},"org",{"_9":10,"_98":99,"_100":-5,"_58":-5,"_101":102,"_103":44},"branch",{"_37":32,"_11":89,"_22":30,"_90":48,"_91":-5,"_92":-5,"_93":-5,"_94":-5,"_95":-5,"_96":12,"_97":10},"isOwned","main","projectId","forkedBranchId","forkedBranchVersion","forkedProjectPrivacy","forkedProjectId","forkedProjectOrgId","projectName","userHandle","displayName","Uttiyam","avatar","tier","free","canRestrictVals","profileImageUrl","ctx",{"_82":-5,"_138":139,"_140":141,"_142":143,"_144":44,"_145":44,"_146":44,"_147":34,"_148":-5,"_149":-7,"_150":-7,"_151":66,"_152":44,"_153":44,"_154":-5,"_155":44,"_156":44,"_157":44,"_158":-5},"ENV",{"_109":110,"_111":112,"_113":89,"_114":115,"_116":117,"_118":119,"_120":121,"_122":123,"_124":125,"_126":127,"_128":129,"_130":131,"_132":133,"_134":135,"_136":137},"REACT_APP_SENTRY_DSN","https://586020d86f05489db63a554690acf1e9@o1398359.ingest.sentry.io/6724499","RENDER_GIT_COMMIT","e87eb04e707cf64e7e532c8e8ec395f209e17f15","RENDER_GIT_BRANCH","POSTHOG_API_TOKEN","phc_nmoyuAkStEZuUp69rYlg1DZgrIt19Gx0Y4Hwf8tGgJP","POSTHOG_API_HOST","https://wart.val.town","WEB_API_TEMPLATE","https://{val}.web.val.run","APP_URL","https://www.val.town","MODULE_URL","https://esm.town","VANITY_WEB_API_TEMPLATE","https://{label}.val.run/","DENOLS_URL","https://lsp.val.town","NODE_ENV","production","CLOUDFLARE_TURNSTILE_SITE_KEY","0x4AAAAAACtaIZJH7s9rBMZ6","GOOGLE_CLIENT_ID","875989696899-jtsqkhlbdv5jrlsk8631p7ipjg3c6o62.apps.googleusercontent.com","STRIPE_PUBLISHABLE_KEY","pk_live_51N2zvWEpZTTLipIkVEwXrUG9AT0yeOOEYxszarZT1jpsZV58Ly6wlg3SltZpHN26CUalOBmUSY7adQRQiSkCZz2500qSXNkf8Y","API_URL","https://api.val.town","orgs",[],"preferencesKeybindings","default","preferencesTheme","light","preferencesFixers","preferencesCopilot","preferencesSelectionAi","preferencesCloseBrackets","preferencesChatPanelState","preferencesDprint","preferencesDenofmt","notificationCount","flagDenols","isBusinessOrgMember","businessOrgHandle","isBusinessOrgAdmin","isHigherTownieTier","navCollapsed","currentOrgId"]