{ "tool_id": "art-508-recompute-bordereau", "tool_version": "1.0.0", "display_name": "Delegated Authority Bordereau Recomputation", "mcp_name": "recompute_bordereau", "mandate_type": "analytics_mandate", "wave": 78, "gpu": false, "url": "https://ainumbers.co/chaingraph/art-508-recompute-bordereau.html", "description": "Recomputes a delegated authority bordereau the way the carrier reviewer does, from the same file the coverholder sent. It foots gross premium, brokerage, coverholder commission, mapped taxes and levies, ceded premium and net per currency, derives net from its components and compares that against a mapped net column, then compares the whole footing field by field against the totals the coverholder asserts. Exact agreement on a footing is a weak result and the tool says so, because both sides added the same column. The check that carries weight is utilisation of the binding authority: the aggregate and per risk limits are held by the carrier and are not on the bordereau, so they are declared caller inputs and are never derived from the document under review, which is what gives that comparison independent provenance. It also reports lines outside the declared period or permitted currency list, repeated policy references, absent expected periods and lines whose mapped fields are missing. Which of the supplied columns carries which measure is a caller declaration, as are the standard label and version, which are pinned into the artifact and shown on screen: no field list, schema, rate table or commission table is bundled or read, and nothing claims which revision of any standard is current, so a later revision makes an old receipt dated rather than wrong. The arithmetic reads only mapped numeric and reference columns. Every other column is ignored and reaches no result, and no rejection record echoes a cell value, so insured names, addresses and claim narratives stay out of the computed output. Money is fixed point in integer minor units with two decimal display throughout, decimal input is parsed from its string form rather than by floating point, and zero rows, an empty mapping and a zero limit each resolve to a defined result rather than to a not a number. Absent asserted totals the run is reported as recompute only, which is its own state and never a pass. Stated boundary: a difference means the two arithmetics disagree on the rows supplied, not that the coverholder misreported. It performs no data standard conformance validation, no terms of business or sanctions screening, no reserving or pricing adequacy assessment, and makes no assertion that authority was properly exercised, which is a conclusion for the delegated authority audit.", "input_schema_ref": "chaingraph/art-508-recompute-bordereau.html#manifest", "consumes": [], "feeds": [], "status": "live", "conformance_fixtures": true, "compute_capability": "server", "compute_images": [ { "system": "sha256-source", "image_id": "sha256:400131baae5bef4da3dcb65a389b7eae6ef0e310ab7d91747a5a89bb26666102", "valid_from": "2026-07-10" }, { "system": "risc0", "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "valid_from": "2026-08-01" } ], "compute_proof_ready": "ready", "export_capability": [ "json" ], "compute_proof": { "type": "ZkVmReceipt", "system": "risc0", "receiptFormat": "groth16-bn254", "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "seal": "IVCyDEfOHmcBqG5B64cd40fKzNszpy/OhBKMy+Ykd1QAHJOjw7MkzOxZVDopuRi0SWa8nA8VOK0qLzbTfho0Bw2yNNYgzNZM4rKlMsAB8fJUnEakP03m1L7JMjG1kwk7BUN1kgEhREhMA9kiS+3ZFDrBR7QSssthWjQgJpNc8qQL0nJ535o6UKQrRLYei6OCOGwOb6uspQ1Jhps/Tar0si4Ljw5x+Ug/4FgKQ+JkmSiPls2A6Bza+nTxcqwYy9YuG58202JF/etOvP3EpuFOVlXYhp6BofWZg5InSwV8uPUvCZUD+nju01yFh12YMM70poemk0lzYpYt+rCs/ofZIQ==", "journal": { "chaingraph_version": "0.4.0", "kernel_digest": "sha256:400131baae5bef4da3dcb65a389b7eae6ef0e310ab7d91747a5a89bb26666102", "output": { "aggregate_utilisation": { "assessed": false, "basis": "gross_premium", "breached": false, "consumed_display": null, "consumed_minor_units": null, "headroom_display": null, "headroom_minor_units": null, "limit_currency": null, "limit_display": null, "limit_minor_units": null, "reason": "No aggregate limit was supplied, so utilisation of the binding authority could not be assessed. The limit is held by the carrier and is deliberately not derived from the bordereau.", "utilisation_basis_points": null, "utilisation_display": null }, "amounts_in": "major_units", "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "field_set_version": "1.0.0", "mapping_source": "caller_declared", "shipped_field_list": false, "shipped_rate_table": false, "standard_conformance_checked": false, "standard_note": "No market data standard is bundled, read, validated or asserted here. The caller names which of their own columns carries each measure, and the standard label and version they pin are echoed so a later revision dates an old receipt rather than falsifying it." }, "bordereau_class": "premium", "comparison_basis": "The recomputed side of every comparison is footed here from the rows supplied. The authority limits on the other side are carrier held and are declared by the caller, never derived from the bordereau, which is what gives that comparison independent provenance. Exact agreement on a footing is a weak result because both sides added the same column.", "comparison_state": "matches", "currencies": [ { "brokerage_display": "1250.05", "brokerage_minor_units": 125005, "ceded_display": "2000.00", "ceded_minor_units": 200000, "coverholder_commission_display": "1875.00", "coverholder_commission_minor_units": 187500, "currency": "GBP", "gross_premium_display": "12500.55", "gross_premium_minor_units": 1250055, "line_count": 2, "net_agrees_internally": true, "net_as_mapped_display": "5831.68", "net_as_mapped_minor_units": 583168, "net_internal_difference_display": "0.00", "net_internal_difference_minor_units": 0, "net_recomputed_display": "5831.68", "net_recomputed_minor_units": 583168, "taxes_by_column": [ { "column": "IPT Amount", "total_display": "1500.07", "total_minor_units": 150007 }, { "column": "Levy Amount", "total_display": "43.75", "total_minor_units": 4375 } ], "taxes_display": "1543.82", "taxes_minor_units": 154382 }, { "brokerage_display": "400.00", "brokerage_minor_units": 40000, "ceded_display": "0.00", "ceded_minor_units": 0, "coverholder_commission_display": "600.00", "coverholder_commission_minor_units": 60000, "currency": "EUR", "gross_premium_display": "4000.00", "gross_premium_minor_units": 400000, "line_count": 1, "net_agrees_internally": true, "net_as_mapped_display": "3000.00", "net_as_mapped_minor_units": 300000, "net_internal_difference_display": "0.00", "net_internal_difference_minor_units": 0, "net_recomputed_display": "3000.00", "net_recomputed_minor_units": 300000, "taxes_by_column": [ { "column": "IPT Amount", "total_display": "0.00", "total_minor_units": 0 }, { "column": "Levy Amount", "total_display": "0.00", "total_minor_units": 0 } ], "taxes_display": "0.00", "taxes_minor_units": 0 } ], "diff": [ { "agrees": true, "asserted_display": "12500.55", "asserted_minor_units": 1250055, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "gross_premium", "recomputed_display": "12500.55", "recomputed_minor_units": 1250055 }, { "agrees": true, "asserted_display": "1250.05", "asserted_minor_units": 125005, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "brokerage", "recomputed_display": "1250.05", "recomputed_minor_units": 125005 }, { "agrees": true, "asserted_display": "1875.00", "asserted_minor_units": 187500, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "coverholder_commission", "recomputed_display": "1875.00", "recomputed_minor_units": 187500 }, { "agrees": true, "asserted_display": "2000.00", "asserted_minor_units": 200000, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "ceded", "recomputed_display": "2000.00", "recomputed_minor_units": 200000 }, { "agrees": true, "asserted_display": "5831.68", "asserted_minor_units": 583168, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "net", "recomputed_display": "5831.68", "recomputed_minor_units": 583168 }, { "agrees": true, "asserted_display": "1543.82", "asserted_minor_units": 154382, "currency": "GBP", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "taxes", "recomputed_display": "1543.82", "recomputed_minor_units": 154382 }, { "agrees": true, "asserted_display": "4000.00", "asserted_minor_units": 400000, "currency": "EUR", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "gross_premium", "recomputed_display": "4000.00", "recomputed_minor_units": 400000 }, { "agrees": true, "asserted_display": "3000.00", "asserted_minor_units": 300000, "currency": "EUR", "detail": "The total footed from the rows supplied equals the total asserted for this measure.", "difference_display": "0.00", "difference_minor_units": 0, "in_rows": true, "measure": "net", "recomputed_display": "3000.00", "recomputed_minor_units": 300000 } ], "duplicates": [], "expected_periods": [], "limit_breaches": [], "line_count": 3, "lines_with_absent_mapped_fields": [], "mapped_columns": [ "Brokerage Amount", "Coverholder Commission Amount", "Gross Written Premium", "IPT Amount", "Levy Amount", "Limit Of Liability", "Net Premium Due To Carrier", "Reinsurance Ceded Premium", "Reporting Period", "Risk Inception Date", "Settlement Currency", "Unique Market Reference" ], "measures_mapped": { "brokerage": true, "ceded": true, "coverholder_commission": true, "currency": true, "gross_premium": true, "inception_date": true, "net": true, "period": true, "policy_ref": true, "sum_insured": true, "taxes": true }, "minor_unit_exponent": 2, "missing_periods": [], "no_standard_claim": "This tool bundles no data standard field list, no schema and no rate or commission table, reads none, and asserts conformance with none. The mapping and the standard version are the caller declaration.", "note": "Deterministic delegated authority bordereau recomputation for one stated period. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It foots the rows supplied, compares them against asserted totals where given, and measures utilisation against binding authority limits the caller declares. It makes no assertion that authority was properly exercised, performs no data standard conformance validation, no sanctions or terms of business screening, and no reserving or pricing adequacy assessment. It is not a regulatory filing and not legal advice.", "observed_periods": [ "2025-07" ], "out_of_scope_lines": [], "per_risk_basis": "sum_insured", "per_risk_limit_display": null, "per_risk_limit_minor_units": null, "period_label": "2025-07 monthly premium bordereau", "pii_note": "Only columns named in field_mapping are read. Unmapped columns are ignored and appear nowhere in this artifact, and no rejection record echoes a supplied cell value. Inputs should be anonymised or synthetic.", "population_defect": false, "rationale": [ "Bordereau recomputed for period 2025-07 monthly premium bordereau over 3 supplied lines, class premium, against the column mapping the caller declared and the standard pinned as Coverholder premium bordereau layout as agreed in the binding authority version 2025-04 revision.", "Only the columns named in the mapping were read. Every other column was ignored and appears nowhere in these results, which is what keeps insured names, addresses and claim narratives out of the computed output. Where a mapped cell was unusable it is named by column and type, and the cell contents are never echoed.", "6 supplied cells sat in columns the mapping does not name. Nothing was read from them and none reached these results. They are counted rather than listed, because listing them would be the leak this tool exists to avoid. If these rows were handed straight to the artifact builder without being cut down to the mapped columns first, those cells will still appear in the echoed input parameters, so cut the file down to the mapped columns before building a receipt from it.", "Footing produced totals in 2 currencies: GBP gross premium 12500.55, net recomputed 5831.68; EUR gross premium 4000.00, net recomputed 3000.00. Net is derived as gross premium less brokerage, coverholder commission, mapped taxes and ceded premium.", "Exact agreement on a footing is a weak result and is reported as such: the coverholder footed the same column, so agreement is expected. The check that carries weight is utilisation of the binding authority, because that limit is held by the carrier and is not on the bordereau. It is a declared input here and is never derived from the file under review.", "No aggregate limit was supplied, so utilisation of the binding authority could not be assessed. The limit is held by the carrier and is deliberately not derived from the bordereau.", "No line and no aggregate exceeded a limit the caller declared.", "No repeated policy reference, no absent expected period and no line with an unusable mapped field were found in the population supplied.", "The footing agrees with every one of the 8 asserted figures supplied. Agreement on a footing means both sides added the same column the same way.", "No data standard field list, schema, rate table or commission table is held in this tool, and nothing here claims which revision of any standard is current. A later revision makes this receipt dated, not wrong." ], "recompute_only_note": "Where comparison_state is recompute_only, no asserted totals were supplied and this artifact records what the rows foot to, never agreement. A scripted caller must not read it as a pass.", "rejected_inputs": [], "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_pinned": true, "standard_version": "2025-04 revision", "unexpected_periods": [], "unmapped_column_cells_ignored": 6, "unmapped_measures": [] } } } }