{ "tool_id": "art-508-recompute-bordereau", "note": "Vectors computed directly from the shipped kernel. Every reference, name, address, narrative and figure here is SYNTHETIC. Nothing here is a copy of any real book of business, any real coverholder file or any real market data standard, and no field list, schema or rate table is asserted by any of it. The first vector deliberately carries UNMAPPED insured name, insured address and claim narrative columns: the arithmetic never reads them, so none of those values appears anywhere in the recorded output_payload, which is the proof that unmapped columns cannot reach the computed result. Coverage: multi-currency footing agreeing with asserted totals, the recompute-only state where nothing was supplied to compare against, disagreement against asserted totals, aggregate and per-risk authority breach with out-of-scope lines, population defects, and the finite gate on empty input.", "vectors": [ { "name": "matches-asserted-totals-multi-currency-with-unmapped-personal-columns", "description": "Two currencies footed from mapped columns only, agreeing with the totals the coverholder asserts. The rows also carry insured name, insured address and claim narrative columns that the mapping does not name. Nothing reads them and no value from them appears in output_payload.", "policy_parameters": { "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "amounts_in": "major_units", "field_mapping": { "policy_ref": "Unique Market Reference", "period": "Reporting Period", "inception_date": "Risk Inception Date", "currency": "Settlement Currency", "gross_premium": "Gross Written Premium", "brokerage": "Brokerage Amount", "coverholder_commission": "Coverholder Commission Amount", "ceded": "Reinsurance Ceded Premium", "net": "Net Premium Due To Carrier", "sum_insured": "Limit Of Liability", "taxes": [ "IPT Amount", "Levy Amount" ] }, "rows": [ { "Unique Market Reference": "B1234SYN0001", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-04", "Settlement Currency": "GBP", "Gross Written Premium": "10000.00", "Brokerage Amount": "1000.00", "Coverholder Commission Amount": "1500.00", "Reinsurance Ceded Premium": "2000.00", "IPT Amount": "1200.00", "Levy Amount": "35.00", "Net Premium Due To Carrier": "4265.00", "Limit Of Liability": "500000.00", "Insured Name": "Wilhelmina Ashgrove-Pettifer", "Insured Address": "14 Nonesuch Lane, Blythebury", "Claim Narrative": "Escape of water from a first floor bathroom" }, { "Unique Market Reference": "B1234SYN0002", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-19", "Settlement Currency": "GBP", "Gross Written Premium": "2500.55", "Brokerage Amount": "250.05", "Coverholder Commission Amount": "375.00", "Reinsurance Ceded Premium": "0.00", "IPT Amount": "300.07", "Levy Amount": "8.75", "Net Premium Due To Carrier": "1566.68", "Limit Of Liability": "250000.00", "Insured Name": "Cornelius Vandersloot", "Insured Address": "2 Quiddity Row, Farthinghoe" }, { "Unique Market Reference": "B1234SYN0003", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-22", "Settlement Currency": "EUR", "Gross Written Premium": "4000.00", "Brokerage Amount": "400.00", "Coverholder Commission Amount": "600.00", "Reinsurance Ceded Premium": "0.00", "IPT Amount": "0.00", "Levy Amount": "0.00", "Net Premium Due To Carrier": "3000.00", "Limit Of Liability": "100000.00", "Insured Name": "Perpetua Quillfeather" } ], "asserted_totals": [ { "currency": "GBP", "gross_premium": "12500.55", "brokerage": "1250.05", "coverholder_commission": "1875.00", "taxes": "1543.82", "ceded": "2000.00", "net": "5831.68" }, { "currency": "EUR", "gross_premium": "4000.00", "net": "3000.00" } ] }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "standard_pinned": true, "amounts_in": "major_units", "minor_unit_exponent": 2, "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": { "gross_premium": true, "brokerage": true, "coverholder_commission": true, "ceded": true, "net": true, "taxes": true, "sum_insured": true, "policy_ref": true, "period": true, "inception_date": true, "currency": true }, "unmapped_measures": [], "line_count": 3, "unmapped_column_cells_ignored": 6, "currencies": [ { "currency": "GBP", "line_count": 2, "gross_premium_minor_units": 1250055, "gross_premium_display": "12500.55", "brokerage_minor_units": 125005, "brokerage_display": "1250.05", "coverholder_commission_minor_units": 187500, "coverholder_commission_display": "1875.00", "taxes_minor_units": 154382, "taxes_display": "1543.82", "taxes_by_column": [ { "column": "IPT Amount", "total_minor_units": 150007, "total_display": "1500.07" }, { "column": "Levy Amount", "total_minor_units": 4375, "total_display": "43.75" } ], "ceded_minor_units": 200000, "ceded_display": "2000.00", "net_recomputed_minor_units": 583168, "net_recomputed_display": "5831.68", "net_as_mapped_minor_units": 583168, "net_as_mapped_display": "5831.68", "net_internal_difference_minor_units": 0, "net_internal_difference_display": "0.00", "net_agrees_internally": true }, { "currency": "EUR", "line_count": 1, "gross_premium_minor_units": 400000, "gross_premium_display": "4000.00", "brokerage_minor_units": 40000, "brokerage_display": "400.00", "coverholder_commission_minor_units": 60000, "coverholder_commission_display": "600.00", "taxes_minor_units": 0, "taxes_display": "0.00", "taxes_by_column": [ { "column": "IPT Amount", "total_minor_units": 0, "total_display": "0.00" }, { "column": "Levy Amount", "total_minor_units": 0, "total_display": "0.00" } ], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 300000, "net_recomputed_display": "3000.00", "net_as_mapped_minor_units": 300000, "net_as_mapped_display": "3000.00", "net_internal_difference_minor_units": 0, "net_internal_difference_display": "0.00", "net_agrees_internally": true } ], "aggregate_utilisation": { "assessed": false, "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.", "basis": "gross_premium", "limit_currency": null, "limit_minor_units": null, "limit_display": null, "consumed_minor_units": null, "consumed_display": null, "utilisation_basis_points": null, "utilisation_display": null, "headroom_minor_units": null, "headroom_display": null, "breached": false }, "per_risk_limit_minor_units": null, "per_risk_limit_display": null, "per_risk_basis": "sum_insured", "limit_breaches": [], "out_of_scope_lines": [], "duplicates": [], "observed_periods": [ "2025-07" ], "expected_periods": [], "missing_periods": [], "unexpected_periods": [], "lines_with_absent_mapped_fields": [], "population_defect": false, "comparison_state": "matches", "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.", "diff": [ { "currency": "GBP", "measure": "gross_premium", "in_rows": true, "recomputed_minor_units": 1250055, "recomputed_display": "12500.55", "asserted_minor_units": 1250055, "asserted_display": "12500.55", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "GBP", "measure": "brokerage", "in_rows": true, "recomputed_minor_units": 125005, "recomputed_display": "1250.05", "asserted_minor_units": 125005, "asserted_display": "1250.05", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "GBP", "measure": "coverholder_commission", "in_rows": true, "recomputed_minor_units": 187500, "recomputed_display": "1875.00", "asserted_minor_units": 187500, "asserted_display": "1875.00", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "GBP", "measure": "ceded", "in_rows": true, "recomputed_minor_units": 200000, "recomputed_display": "2000.00", "asserted_minor_units": 200000, "asserted_display": "2000.00", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "GBP", "measure": "net", "in_rows": true, "recomputed_minor_units": 583168, "recomputed_display": "5831.68", "asserted_minor_units": 583168, "asserted_display": "5831.68", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "GBP", "measure": "taxes", "in_rows": true, "recomputed_minor_units": 154382, "recomputed_display": "1543.82", "asserted_minor_units": 154382, "asserted_display": "1543.82", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "EUR", "measure": "gross_premium", "in_rows": true, "recomputed_minor_units": 400000, "recomputed_display": "4000.00", "asserted_minor_units": 400000, "asserted_display": "4000.00", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." }, { "currency": "EUR", "measure": "net", "in_rows": true, "recomputed_minor_units": 300000, "recomputed_display": "3000.00", "asserted_minor_units": 300000, "asserted_display": "3000.00", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." } ], "rejected_inputs": [], "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.", "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.", "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." }, "golden_hash": "3c9433ce06119c8dce815a808d0a2b17cb8619a28e461b5302b3f997c557c0f4" }, { "name": "recompute-only-is-its-own-state", "description": "The same rows with no asserted totals supplied. comparison_state is recompute_only and BDX_RECOMPUTE_ONLY is raised. It is never reported as a pass and never folded into a match.", "policy_parameters": { "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "field_mapping": { "policy_ref": "Unique Market Reference", "currency": "Settlement Currency", "gross_premium": "Gross Written Premium", "brokerage": "Brokerage Amount", "coverholder_commission": "Coverholder Commission Amount", "taxes": [ "IPT Amount" ] }, "rows": [ { "Unique Market Reference": "B1234SYN0001", "Settlement Currency": "GBP", "Gross Written Premium": "10000.00", "Brokerage Amount": "1000.00", "Coverholder Commission Amount": "1500.00", "IPT Amount": "1200.00" }, { "Unique Market Reference": "B1234SYN0002", "Settlement Currency": "GBP", "Gross Written Premium": "2500.55", "Brokerage Amount": "250.05", "Coverholder Commission Amount": "375.00", "IPT Amount": "300.07" } ] }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "standard_pinned": true, "amounts_in": "major_units", "minor_unit_exponent": 2, "mapped_columns": [ "Brokerage Amount", "Coverholder Commission Amount", "Gross Written Premium", "IPT Amount", "Settlement Currency", "Unique Market Reference" ], "measures_mapped": { "gross_premium": true, "brokerage": true, "coverholder_commission": true, "ceded": false, "net": false, "taxes": true, "sum_insured": false, "policy_ref": true, "period": false, "inception_date": false, "currency": true }, "unmapped_measures": [ "ceded", "inception_date", "net", "period", "sum_insured" ], "line_count": 2, "unmapped_column_cells_ignored": 0, "currencies": [ { "currency": "GBP", "line_count": 2, "gross_premium_minor_units": 1250055, "gross_premium_display": "12500.55", "brokerage_minor_units": 125005, "brokerage_display": "1250.05", "coverholder_commission_minor_units": 187500, "coverholder_commission_display": "1875.00", "taxes_minor_units": 150007, "taxes_display": "1500.07", "taxes_by_column": [ { "column": "IPT Amount", "total_minor_units": 150007, "total_display": "1500.07" } ], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 787543, "net_recomputed_display": "7875.43", "net_as_mapped_minor_units": null, "net_as_mapped_display": null, "net_internal_difference_minor_units": null, "net_internal_difference_display": null, "net_agrees_internally": null } ], "aggregate_utilisation": { "assessed": false, "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.", "basis": "gross_premium", "limit_currency": null, "limit_minor_units": null, "limit_display": null, "consumed_minor_units": null, "consumed_display": null, "utilisation_basis_points": null, "utilisation_display": null, "headroom_minor_units": null, "headroom_display": null, "breached": false }, "per_risk_limit_minor_units": null, "per_risk_limit_display": null, "per_risk_basis": "gross_premium", "limit_breaches": [], "out_of_scope_lines": [], "duplicates": [], "observed_periods": [], "expected_periods": [], "missing_periods": [], "unexpected_periods": [], "lines_with_absent_mapped_fields": [], "population_defect": false, "comparison_state": "recompute_only", "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.", "diff": [], "rejected_inputs": [], "rationale": [ "Bordereau recomputed for period 2025-07 monthly premium bordereau over 2 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.", "These measures were not mapped and therefore contribute nothing: ceded, inception_date, net, period, sum_insured. An unmapped measure foots to zero because nothing was read for it, which is not the same as a measure that was read and found to be zero.", "Footing produced totals in 1 currency: GBP gross premium 12500.55, net recomputed 7875.43. 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.", "No asserted totals were supplied, so this run is RECOMPUTE ONLY. It states what the supplied rows foot to. It is not agreement with anything, because nothing was given to compare against.", "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.", "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.", "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." }, "golden_hash": "46e7320b64aee94b6ad403953fe40427f2e7bf2c82ce6eb4ef87594f2a1364ae" }, { "name": "totals-differ-reported-as-a-finding", "description": "The asserted gross premium is 100.00 higher than the rows foot to. The difference is stated exactly, on both sides, and worded as a disagreement between the two arithmetics rather than as a finding that the coverholder misreported.", "policy_parameters": { "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "field_mapping": { "policy_ref": "Unique Market Reference", "currency": "Settlement Currency", "gross_premium": "Gross Written Premium", "brokerage": "Brokerage Amount" }, "rows": [ { "Unique Market Reference": "B1234SYN0001", "Settlement Currency": "GBP", "Gross Written Premium": "10000.00", "Brokerage Amount": "1000.00" }, { "Unique Market Reference": "B1234SYN0002", "Settlement Currency": "GBP", "Gross Written Premium": "2500.55", "Brokerage Amount": "250.05" } ], "asserted_totals": [ { "currency": "GBP", "gross_premium": "12600.55", "brokerage": "1250.05" } ] }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "standard_pinned": true, "amounts_in": "major_units", "minor_unit_exponent": 2, "mapped_columns": [ "Brokerage Amount", "Gross Written Premium", "Settlement Currency", "Unique Market Reference" ], "measures_mapped": { "gross_premium": true, "brokerage": true, "coverholder_commission": false, "ceded": false, "net": false, "taxes": false, "sum_insured": false, "policy_ref": true, "period": false, "inception_date": false, "currency": true }, "unmapped_measures": [ "ceded", "coverholder_commission", "inception_date", "net", "period", "sum_insured", "taxes" ], "line_count": 2, "unmapped_column_cells_ignored": 0, "currencies": [ { "currency": "GBP", "line_count": 2, "gross_premium_minor_units": 1250055, "gross_premium_display": "12500.55", "brokerage_minor_units": 125005, "brokerage_display": "1250.05", "coverholder_commission_minor_units": 0, "coverholder_commission_display": "0.00", "taxes_minor_units": 0, "taxes_display": "0.00", "taxes_by_column": [], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 1125050, "net_recomputed_display": "11250.50", "net_as_mapped_minor_units": null, "net_as_mapped_display": null, "net_internal_difference_minor_units": null, "net_internal_difference_display": null, "net_agrees_internally": null } ], "aggregate_utilisation": { "assessed": false, "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.", "basis": "gross_premium", "limit_currency": null, "limit_minor_units": null, "limit_display": null, "consumed_minor_units": null, "consumed_display": null, "utilisation_basis_points": null, "utilisation_display": null, "headroom_minor_units": null, "headroom_display": null, "breached": false }, "per_risk_limit_minor_units": null, "per_risk_limit_display": null, "per_risk_basis": "gross_premium", "limit_breaches": [], "out_of_scope_lines": [], "duplicates": [], "observed_periods": [], "expected_periods": [], "missing_periods": [], "unexpected_periods": [], "lines_with_absent_mapped_fields": [], "population_defect": false, "comparison_state": "differs", "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.", "diff": [ { "currency": "GBP", "measure": "gross_premium", "in_rows": true, "recomputed_minor_units": 1250055, "recomputed_display": "12500.55", "asserted_minor_units": 1260055, "asserted_display": "12600.55", "difference_minor_units": -10000, "difference_display": "-100.00", "agrees": false, "detail": "The total footed from the rows supplied differs from the total asserted for this measure. That is a difference between the two arithmetics on these rows, not a finding that the asserted figure was misreported." }, { "currency": "GBP", "measure": "brokerage", "in_rows": true, "recomputed_minor_units": 125005, "recomputed_display": "1250.05", "asserted_minor_units": 125005, "asserted_display": "1250.05", "difference_minor_units": 0, "difference_display": "0.00", "agrees": true, "detail": "The total footed from the rows supplied equals the total asserted for this measure." } ], "rejected_inputs": [], "rationale": [ "Bordereau recomputed for period 2025-07 monthly premium bordereau over 2 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.", "These measures were not mapped and therefore contribute nothing: ceded, coverholder_commission, inception_date, net, period, sum_insured, taxes. An unmapped measure foots to zero because nothing was read for it, which is not the same as a measure that was read and found to be zero.", "Footing produced totals in 1 currency: GBP gross premium 12500.55, net recomputed 11250.50. 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 differs from the asserted totals on 1 figure. Each difference is listed with both sides. A difference means the two arithmetics disagree on the rows supplied, which can equally be an incomplete extract or a wrong mapping, and it is not a finding that the coverholder misreported.", "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.", "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.", "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." }, "golden_hash": "b6a1ff5b0e50965062477965ddbf077e98c71b00cde589b55690f1c92d44967c" }, { "name": "authority-breach-aggregate-and-per-risk-with-out-of-scope-lines", "description": "The check that carries real weight. The aggregate and per-risk limits are CARRIER-HELD and declared as inputs, never read from the bordereau. Gross premium overruns the declared aggregate limit, one line exceeds the declared per-risk limit, one line inception falls after the declared period end and one line is in a currency the authority does not permit.", "policy_parameters": { "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "field_mapping": { "policy_ref": "Unique Market Reference", "period": "Reporting Period", "inception_date": "Risk Inception Date", "currency": "Settlement Currency", "gross_premium": "Gross Written Premium", "sum_insured": "Limit Of Liability" }, "rows": [ { "Unique Market Reference": "B1234SYN0001", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-04", "Settlement Currency": "GBP", "Gross Written Premium": "10000.00", "Limit Of Liability": "500000.00" }, { "Unique Market Reference": "B1234SYN0002", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-19", "Settlement Currency": "GBP", "Gross Written Premium": "2500.55", "Limit Of Liability": "250000.00" }, { "Unique Market Reference": "B1234SYN0003", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-22", "Settlement Currency": "EUR", "Gross Written Premium": "4000.00", "Limit Of Liability": "100000.00" } ], "binding_authority": { "aggregate_limit": "12000.00", "aggregate_basis": "gross_premium", "limit_currency": "GBP", "per_risk_limit": "300000.00", "per_risk_basis": "sum_insured", "period_start": "2025-07-01", "period_end": "2025-07-20", "permitted_currencies": [ "GBP" ] } }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "standard_pinned": true, "amounts_in": "major_units", "minor_unit_exponent": 2, "mapped_columns": [ "Gross Written Premium", "Limit Of Liability", "Reporting Period", "Risk Inception Date", "Settlement Currency", "Unique Market Reference" ], "measures_mapped": { "gross_premium": true, "brokerage": false, "coverholder_commission": false, "ceded": false, "net": false, "taxes": false, "sum_insured": true, "policy_ref": true, "period": true, "inception_date": true, "currency": true }, "unmapped_measures": [ "brokerage", "ceded", "coverholder_commission", "net", "taxes" ], "line_count": 3, "unmapped_column_cells_ignored": 0, "currencies": [ { "currency": "GBP", "line_count": 2, "gross_premium_minor_units": 1250055, "gross_premium_display": "12500.55", "brokerage_minor_units": 0, "brokerage_display": "0.00", "coverholder_commission_minor_units": 0, "coverholder_commission_display": "0.00", "taxes_minor_units": 0, "taxes_display": "0.00", "taxes_by_column": [], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 1250055, "net_recomputed_display": "12500.55", "net_as_mapped_minor_units": null, "net_as_mapped_display": null, "net_internal_difference_minor_units": null, "net_internal_difference_display": null, "net_agrees_internally": null }, { "currency": "EUR", "line_count": 1, "gross_premium_minor_units": 400000, "gross_premium_display": "4000.00", "brokerage_minor_units": 0, "brokerage_display": "0.00", "coverholder_commission_minor_units": 0, "coverholder_commission_display": "0.00", "taxes_minor_units": 0, "taxes_display": "0.00", "taxes_by_column": [], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 400000, "net_recomputed_display": "4000.00", "net_as_mapped_minor_units": null, "net_as_mapped_display": null, "net_internal_difference_minor_units": null, "net_internal_difference_display": null, "net_agrees_internally": null } ], "aggregate_utilisation": { "assessed": true, "reason": "Utilisation is the recomputed total for the declared basis, measured against the aggregate limit the caller declared from the binding authority. The limit is carrier held and is never read from the bordereau.", "basis": "gross_premium", "limit_currency": "GBP", "limit_minor_units": 1200000, "limit_display": "12000.00", "consumed_minor_units": 1250055, "consumed_display": "12500.55", "utilisation_basis_points": 10417, "utilisation_display": "104.17 percent", "headroom_minor_units": -50055, "headroom_display": "-500.55", "breached": true }, "per_risk_limit_minor_units": 30000000, "per_risk_limit_display": "300000.00", "per_risk_basis": "sum_insured", "limit_breaches": [ { "scope": "per_risk", "line": 1, "policy_ref": "B1234SYN0001", "currency": "GBP", "basis": "sum_insured", "measured_minor_units": 50000000, "measured_display": "500000.00", "limit_minor_units": 30000000, "limit_display": "300000.00", "excess_minor_units": 20000000, "excess_display": "200000.00", "detail": "This line exceeds the per risk limit the caller declared from the binding authority. The limit is held by the carrier and is not read from the bordereau, which is what gives the comparison independent provenance." }, { "scope": "aggregate", "line": null, "policy_ref": null, "currency": "GBP", "basis": "gross_premium", "measured_minor_units": 1250055, "measured_display": "12500.55", "limit_minor_units": 1200000, "limit_display": "12000.00", "excess_minor_units": 50055, "excess_display": "500.55", "detail": "The recomputed total for the declared basis exceeds the aggregate limit the caller declared from the binding authority." } ], "out_of_scope_lines": [ { "line": 3, "policy_ref": "B1234SYN0003", "reason": "currency_not_permitted", "currency": "EUR", "detail": "The currency on this line is not in the list of currencies the caller declared the binding authority permits." }, { "line": 3, "policy_ref": "B1234SYN0003", "reason": "after_authority_period", "currency": "EUR", "inception_date": "2025-07-22", "detail": "The inception date on this line falls after the authority period end the caller declared." } ], "duplicates": [], "observed_periods": [ "2025-07" ], "expected_periods": [], "missing_periods": [], "unexpected_periods": [], "lines_with_absent_mapped_fields": [], "population_defect": false, "comparison_state": "recompute_only", "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.", "diff": [], "rejected_inputs": [], "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.", "These measures were not mapped and therefore contribute nothing: brokerage, ceded, coverholder_commission, net, taxes. An unmapped measure foots to zero because nothing was read for it, which is not the same as a measure that was read and found to be zero.", "Footing produced totals in 2 currencies: GBP gross premium 12500.55, net recomputed 12500.55; EUR gross premium 4000.00, net recomputed 4000.00. 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.", "Aggregate utilisation on basis gross_premium is 12500.55 of a declared limit of 12000.00 GBP, leaving headroom of -500.55.", "2 limit observations were raised against the limits the caller declared. Each names the measured figure, the declared limit and the excess. Whether authority was properly exercised is for the delegated authority audit, not for this tool.", "2 lines fall outside the period or the currency list the caller declared. They remain in the footing above and are listed separately, because removing them would change a total the reviewer is trying to reconcile.", "No repeated policy reference, no absent expected period and no line with an unusable mapped field were found in the population supplied.", "No asserted totals were supplied, so this run is RECOMPUTE ONLY. It states what the supplied rows foot to. It is not agreement with anything, because nothing was given to compare against.", "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.", "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.", "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." }, "golden_hash": "627927020c2aa81b800f06601d5de4a1f33bb44b8ef9ea0d77b9d3f83d3f1511" }, { "name": "population-defects-duplicate-missing-period-and-absent-mapped-fields", "description": "A repeated policy reference, an expected period that appears on no line, and a line whose mapped amount and date columns are absent. Each is reported as a fact about the population supplied, and a repeated reference is explicitly not called an error because it may be an endorsement or an instalment.", "policy_parameters": { "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "field_mapping": { "policy_ref": "Unique Market Reference", "period": "Reporting Period", "inception_date": "Risk Inception Date", "currency": "Settlement Currency", "gross_premium": "Gross Written Premium" }, "rows": [ { "Unique Market Reference": "B1234SYN0001", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-04", "Settlement Currency": "GBP", "Gross Written Premium": "10000.00" }, { "Unique Market Reference": "B1234SYN0001", "Reporting Period": "2025-07", "Risk Inception Date": "2025-07-11", "Settlement Currency": "GBP", "Gross Written Premium": "250.00" }, { "Unique Market Reference": "B1234SYN0004", "Reporting Period": "2025-07", "Settlement Currency": "GBP" } ], "expected_periods": [ "2025-06", "2025-07" ] }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "2025-07 monthly premium bordereau", "bordereau_class": "premium", "standard_label": "Coverholder premium bordereau layout as agreed in the binding authority", "standard_version": "2025-04 revision", "standard_pinned": true, "amounts_in": "major_units", "minor_unit_exponent": 2, "mapped_columns": [ "Gross Written Premium", "Reporting Period", "Risk Inception Date", "Settlement Currency", "Unique Market Reference" ], "measures_mapped": { "gross_premium": true, "brokerage": false, "coverholder_commission": false, "ceded": false, "net": false, "taxes": false, "sum_insured": false, "policy_ref": true, "period": true, "inception_date": true, "currency": true }, "unmapped_measures": [ "brokerage", "ceded", "coverholder_commission", "net", "sum_insured", "taxes" ], "line_count": 3, "unmapped_column_cells_ignored": 0, "currencies": [ { "currency": "GBP", "line_count": 3, "gross_premium_minor_units": 1025000, "gross_premium_display": "10250.00", "brokerage_minor_units": 0, "brokerage_display": "0.00", "coverholder_commission_minor_units": 0, "coverholder_commission_display": "0.00", "taxes_minor_units": 0, "taxes_display": "0.00", "taxes_by_column": [], "ceded_minor_units": 0, "ceded_display": "0.00", "net_recomputed_minor_units": 1025000, "net_recomputed_display": "10250.00", "net_as_mapped_minor_units": null, "net_as_mapped_display": null, "net_internal_difference_minor_units": null, "net_internal_difference_display": null, "net_agrees_internally": null } ], "aggregate_utilisation": { "assessed": false, "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.", "basis": "gross_premium", "limit_currency": null, "limit_minor_units": null, "limit_display": null, "consumed_minor_units": null, "consumed_display": null, "utilisation_basis_points": null, "utilisation_display": null, "headroom_minor_units": null, "headroom_display": null, "breached": false }, "per_risk_limit_minor_units": null, "per_risk_limit_display": null, "per_risk_basis": "gross_premium", "limit_breaches": [], "out_of_scope_lines": [], "duplicates": [ { "policy_ref": "B1234SYN0001", "occurrences": 2, "lines": [ 1, 2 ], "detail": "This policy reference appears on more than one line. That may be a genuine endorsement or instalment rather than a duplicate, which is why it is reported as a population observation and not as an error." } ], "observed_periods": [ "2025-07" ], "expected_periods": [ "2025-06", "2025-07" ], "missing_periods": [ "2025-06" ], "unexpected_periods": [], "lines_with_absent_mapped_fields": [ { "line": 3, "policy_ref": "B1234SYN0004", "absent_measures": [ "gross_premium", "inception_date" ] } ], "population_defect": true, "comparison_state": "recompute_only", "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.", "diff": [], "rejected_inputs": [ { "where": "rows[3].gross_premium", "column": "Gross Written Premium", "reason": "absent", "value_type": "undefined" } ], "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.", "These measures were not mapped and therefore contribute nothing: brokerage, ceded, coverholder_commission, net, sum_insured, taxes. An unmapped measure foots to zero because nothing was read for it, which is not the same as a measure that was read and found to be zero.", "Footing produced totals in 1 currency: GBP gross premium 10250.00, net recomputed 10250.00. 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.", "Population observations: 1 repeated policy reference, 1 expected period absent, 1 line with an absent or unusable mapped field. Each is a fact about the population supplied.", "No asserted totals were supplied, so this run is RECOMPUTE ONLY. It states what the supplied rows foot to. It is not agreement with anything, because nothing was given to compare against.", "1 supplied value was not usable and was treated as zero. Each is named by column and type rather than silently dropped, and no cell contents were echoed.", "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.", "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.", "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." }, "golden_hash": "edf281f7997396435022af2dfbf63f3025aae3d76c020f1304d4c0a4fe603022" }, { "name": "finite-gate-no-rows-no-mapping-no-authority", "description": "The finite gate. No rows, no mapping, no authority and no asserted totals. Every total resolves to a defined zero, utilisation is reported as not assessed rather than divided, and the run is recompute-only. Nothing is NaN and nothing is a pass.", "policy_parameters": { "period_label": "empty submission", "bordereau_class": "premium" }, "output_payload": { "basis": { "basis_id": "CALLER-SUPPLIED-MAPPING", "basis_label": "Column mapping, standard label and standard version as declared by the caller", "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.", "field_set_version": "1.0.0" }, "period_label": "empty submission", "bordereau_class": "premium", "standard_label": "UNSTATED", "standard_version": "UNSTATED", "standard_pinned": false, "amounts_in": "major_units", "minor_unit_exponent": 2, "mapped_columns": [], "measures_mapped": { "gross_premium": false, "brokerage": false, "coverholder_commission": false, "ceded": false, "net": false, "taxes": false, "sum_insured": false, "policy_ref": false, "period": false, "inception_date": false, "currency": false }, "unmapped_measures": [ "brokerage", "ceded", "coverholder_commission", "currency", "gross_premium", "inception_date", "net", "period", "policy_ref", "sum_insured", "taxes" ], "line_count": 0, "unmapped_column_cells_ignored": 0, "currencies": [], "aggregate_utilisation": { "assessed": false, "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.", "basis": "gross_premium", "limit_currency": null, "limit_minor_units": null, "limit_display": null, "consumed_minor_units": null, "consumed_display": null, "utilisation_basis_points": null, "utilisation_display": null, "headroom_minor_units": null, "headroom_display": null, "breached": false }, "per_risk_limit_minor_units": null, "per_risk_limit_display": null, "per_risk_basis": "gross_premium", "limit_breaches": [], "out_of_scope_lines": [], "duplicates": [], "observed_periods": [], "expected_periods": [], "missing_periods": [], "unexpected_periods": [], "lines_with_absent_mapped_fields": [], "population_defect": false, "comparison_state": "recompute_only", "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.", "diff": [], "rejected_inputs": [ { "where": "field_mapping", "column": null, "reason": "absent, so no column could be read and every measure foots to zero", "value_type": "undefined" } ], "rationale": [ "Bordereau recomputed for period empty submission over 0 supplied lines, class premium, against the column mapping the caller declared and the standard pinned as UNSTATED version UNSTATED.", "No standard label and version were pinned, so the artifact cannot say which revision of a data standard these columns were laid out under. A receipt without that pin cannot be dated against a later 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.", "No field mapping was supplied, so no column could be read and every measure foots to zero. That is a defined result on an empty mapping, not a finding that the bordereau is empty.", "These measures were not mapped and therefore contribute nothing: brokerage, ceded, coverholder_commission, currency, gross_premium, inception_date, net, period, policy_ref, sum_insured, taxes. An unmapped measure foots to zero because nothing was read for it, which is not the same as a measure that was read and found to be zero.", "No rows were supplied, so there is nothing to foot. Every total is zero by construction.", "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.", "No asserted totals were supplied, so this run is RECOMPUTE ONLY. It states what the supplied rows foot to. It is not agreement with anything, because nothing was given to compare against.", "1 supplied value was not usable and was treated as zero. Each is named by column and type rather than silently dropped, and no cell contents were echoed.", "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.", "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.", "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." }, "golden_hash": "2bf9115a078ff435d712d43737bed2236f7c0a3cae715f20eea246d66554b75f" } ] }