{ "tool_id": "art-771-automation-payback", "note": "19 vectors. 4 live vectors (live_v1..live_v4) reproduce the Apex #180 page (live_v1 is the page-observed worked example installed at open; live_v2..live_v4 are analyst-composed Apex-parity vectors, declared in APEXPORT-180 VECTORS.md); boundary_C1..C7 and boundary_empty_candidate_list carry the 15 boundary fixtures at and just past every comparator (recoverable > 0 break-even definition, net >= 0 BUILD/SKIP, keepers==ranked ALL_CLEAR, keepers > 0 MIXED vs NO_CANDIDATE_CLEARS, net rank sort tie, fastest break-even sort tie, the three clamp floors, horizon half-up rounding, the empty-list guard). All output_payload values are the committed kernel compute() outputs; golden_hash is executionHash(policy_parameters, output_payload) per _hash.mjs (OCG JCS-SHA-256). Ported from Apex #180 page fetched 2026-10-13, 37945 bytes, sha256 4931C9A3713FBA69D6E614CE3BDB0FC8B01A75E7376BA8BF9916553CB2C91D1B (APEXPORT-180 payload, GRADES PASS-PENDING-XV 2026-10-18, Builder-verifies-at-land 19/19). maintenance_haircut_pct 20 and weeks_per_month 4.33 are policy parameters kept for live-vector parity; the 52/12 quotient is UNGROUNDED (payload DIFFERS.md D-01..D-06, CITES.md). human_sign_off: PENDING.", "vectors": [ { "name": "live_v1_worked_example_three_candidates", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Invoice processing", "hours_saved_per_week": 3, "loaded_hourly_rate_usd": 45, "error_cost_avoided_usd_month": 150, "build_cost_usd": 2000, "subscription_usd_month": 60 }, { "name": "Report generation", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 55, "error_cost_avoided_usd_month": 75, "build_cost_usd": 500, "subscription_usd_month": 30 }, { "name": "Data-entry migration", "hours_saved_per_week": 5, "loaded_hourly_rate_usd": 28, "error_cost_avoided_usd_month": 200, "build_cost_usd": 3500, "subscription_usd_month": 120 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Invoice processing", "hours_saved_wk": 3, "loaded_rate": 45, "error_cost_mo": 150, "build_cost": 2000, "subscription_mo": 60 }, { "name": "Report generation", "hours_saved_wk": 2, "loaded_rate": 55, "error_cost_mo": 75, "build_cost": 500, "subscription_mo": 30 }, { "name": "Data-entry migration", "hours_saved_wk": 5, "loaded_rate": 28, "error_cost_mo": 200, "build_cost": 3500, "subscription_mo": 120 } ], "ranked": [ { "name": "Invoice processing", "value_mo": 734.55, "recurring_with_haircut_mo": 72, "build_amortized_mo": 83.33, "tco_mo": 155.33, "net_mo": 579.22, "breakeven_months": 3, "breakeven_months_exact": 3.01864, "call": "BUILD", "horizon_net": 13901.2 }, { "name": "Data-entry migration", "value_mo": 806.2, "recurring_with_haircut_mo": 144, "build_amortized_mo": 145.83, "tco_mo": 289.83, "net_mo": 516.37, "breakeven_months": 5.3, "breakeven_months_exact": 5.285412, "call": "BUILD", "horizon_net": 12392.8 }, { "name": "Report generation", "value_mo": 551.3, "recurring_with_haircut_mo": 36, "build_amortized_mo": 20.83, "tco_mo": 56.83, "net_mo": 494.47, "breakeven_months": 1, "breakeven_months_exact": 0.970309, "call": "BUILD", "horizon_net": 11867.2 } ], "keepers": [ "Invoice processing", "Data-entry migration", "Report generation" ], "droppers": [], "net_keep_mo": 1590.05, "net_all_mo": 1590.05, "hours_reclaimed_wk": 10, "horizon_net_keep": 38161.2, "horizon_net_all": 38161.2, "best_candidate": "Invoice processing", "fastest_breakeven_candidate": "Report generation", "fastest_breakeven_months": 1, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "031b3a6d6299a650d67e17e738a7812687bee3fb3d0c52926f25ec8887796126" }, { "name": "live_v2_single_candidate_no_recurring_cost", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Solo", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 30, "error_cost_avoided_usd_month": 0, "build_cost_usd": 0, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Solo", "hours_saved_wk": 1, "loaded_rate": 30, "error_cost_mo": 0, "build_cost": 0, "subscription_mo": 0 } ], "ranked": [ { "name": "Solo", "value_mo": 129.9, "recurring_with_haircut_mo": 0, "build_amortized_mo": 0, "tco_mo": 0, "net_mo": 129.9, "breakeven_months": 0, "breakeven_months_exact": 0, "call": "BUILD", "horizon_net": 3117.6 } ], "keepers": [ "Solo" ], "droppers": [], "net_keep_mo": 129.9, "net_all_mo": 129.9, "hours_reclaimed_wk": 1, "horizon_net_keep": 3117.6, "horizon_net_all": 3117.6, "best_candidate": "Solo", "fastest_breakeven_candidate": "Solo", "fastest_breakeven_months": 0, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "823cd20be591a6503910a2bd74660dc1d7e27d40b82a3b42278ed2ed76627551" }, { "name": "live_v3_mixed_list_one_build_one_skip", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Fast win", "hours_saved_per_week": 10, "loaded_hourly_rate_usd": 100, "error_cost_avoided_usd_month": 0, "build_cost_usd": 1200, "subscription_usd_month": 0 }, { "name": "Toy", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 20, "error_cost_avoided_usd_month": 0, "build_cost_usd": 5000, "subscription_usd_month": 300 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Fast win", "hours_saved_wk": 10, "loaded_rate": 100, "error_cost_mo": 0, "build_cost": 1200, "subscription_mo": 0 }, { "name": "Toy", "hours_saved_wk": 1, "loaded_rate": 20, "error_cost_mo": 0, "build_cost": 5000, "subscription_mo": 300 } ], "ranked": [ { "name": "Fast win", "value_mo": 4330, "recurring_with_haircut_mo": 0, "build_amortized_mo": 50, "tco_mo": 50, "net_mo": 4280, "breakeven_months": 0.3, "breakeven_months_exact": 0.277136, "call": "BUILD", "horizon_net": 102720 }, { "name": "Toy", "value_mo": 86.6, "recurring_with_haircut_mo": 360, "build_amortized_mo": 208.33, "tco_mo": 568.33, "net_mo": -481.73, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -11561.6 } ], "keepers": [ "Fast win" ], "droppers": [ "Toy" ], "net_keep_mo": 4280, "net_all_mo": 3798.27, "hours_reclaimed_wk": 10, "horizon_net_keep": 102720, "horizon_net_all": 91158.4, "best_candidate": "Fast win", "fastest_breakeven_candidate": "Fast win", "fastest_breakeven_months": 0.3, "verdict": "MIXED_LIST", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "1a9ea30c7a3a13775e1ba2a8b956648e38b283985aa4b83c69aed0efb09ada65" }, { "name": "live_v4_no_candidate_clears", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead A", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 100 }, { "name": "Dead B", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 0, "build_cost_usd": 250, "subscription_usd_month": 40 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead A", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 100 }, { "name": "Dead B", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 0, "build_cost": 250, "subscription_mo": 40 } ], "ranked": [ { "name": "Dead B", "value_mo": 0, "recurring_with_haircut_mo": 48, "build_amortized_mo": 10.42, "tco_mo": 58.42, "net_mo": -58.42, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -1402 }, { "name": "Dead A", "value_mo": 0, "recurring_with_haircut_mo": 120, "build_amortized_mo": 4.17, "tco_mo": 124.17, "net_mo": -124.17, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -2980 } ], "keepers": [], "droppers": [ "Dead B", "Dead A" ], "net_keep_mo": 0, "net_all_mo": -182.58, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": -4382, "best_candidate": "Dead B", "fastest_breakeven_candidate": null, "fastest_breakeven_months": null, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [ "NO_CANDIDATE_BREAKS_EVEN" ], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "0e11297aa0166d7fd6b04db0abafaf75f76186b2fdb95c42d8e851a4c2aa5dbb" }, { "name": "boundary_C1_recoverable_exactly_zero", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Zero recoverable", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 50, "build_cost_usd": 100, "subscription_usd_month": 50 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Zero recoverable", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 50, "build_cost": 100, "subscription_mo": 50 } ], "ranked": [ { "name": "Zero recoverable", "value_mo": 50, "recurring_with_haircut_mo": 50, "build_amortized_mo": 4.17, "tco_mo": 54.17, "net_mo": -4.17, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -100 } ], "keepers": [], "droppers": [ "Zero recoverable" ], "net_keep_mo": 0, "net_all_mo": -4.17, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": -100, "best_candidate": "Zero recoverable", "fastest_breakeven_candidate": null, "fastest_breakeven_months": null, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [ "NO_CANDIDATE_BREAKS_EVEN" ], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "6a1ba74137cc6c3559094b43ecbe1462a773ab095431ad82d959f0c115095e1b" }, { "name": "boundary_C1_recoverable_just_past", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Recoverable 0.25", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 50.25, "build_cost_usd": 100, "subscription_usd_month": 50 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Recoverable 0.25", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 50.25, "build_cost": 100, "subscription_mo": 50 } ], "ranked": [ { "name": "Recoverable 0.25", "value_mo": 50.25, "recurring_with_haircut_mo": 50, "build_amortized_mo": 4.17, "tco_mo": 54.17, "net_mo": -3.92, "breakeven_months": 400, "breakeven_months_exact": 400, "call": "SKIP", "horizon_net": -94 } ], "keepers": [], "droppers": [ "Recoverable 0.25" ], "net_keep_mo": 0, "net_all_mo": -3.92, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": -94, "best_candidate": "Recoverable 0.25", "fastest_breakeven_candidate": "Recoverable 0.25", "fastest_breakeven_months": 400, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "6c17435cb850b2c249e618ffae9c756b66f85888ed1bf30236b9caf123b9e9d2" }, { "name": "boundary_C2_net_exactly_zero_is_BUILD", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Net zero", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 200, "build_cost_usd": 100, "subscription_usd_month": 100 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Net zero", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 200, "build_cost": 100, "subscription_mo": 100 } ], "ranked": [ { "name": "Net zero", "value_mo": 200, "recurring_with_haircut_mo": 100, "build_amortized_mo": 100, "tco_mo": 200, "net_mo": 0, "breakeven_months": 1, "breakeven_months_exact": 1, "call": "BUILD", "horizon_net": 0 } ], "keepers": [ "Net zero" ], "droppers": [], "net_keep_mo": 0, "net_all_mo": 0, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": 0, "best_candidate": "Net zero", "fastest_breakeven_candidate": "Net zero", "fastest_breakeven_months": 1, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "c2a0253b673c1926b3592b4b13e629143ad7d0df8b824074ee242d3c7bd29717" }, { "name": "boundary_C2_net_just_past_is_SKIP", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Net just negative", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 199.99, "build_cost_usd": 100, "subscription_usd_month": 100 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Net just negative", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 199.99, "build_cost": 100, "subscription_mo": 100 } ], "ranked": [ { "name": "Net just negative", "value_mo": 199.99, "recurring_with_haircut_mo": 100, "build_amortized_mo": 100, "tco_mo": 200, "net_mo": -0.01, "breakeven_months": 1, "breakeven_months_exact": 1.0001, "call": "SKIP", "horizon_net": -0.01 } ], "keepers": [], "droppers": [ "Net just negative" ], "net_keep_mo": 0, "net_all_mo": -0.01, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": -0.01, "best_candidate": "Net just negative", "fastest_breakeven_candidate": "Net just negative", "fastest_breakeven_months": 1, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "c593640b15d623fc10c661f3fb67b08751f331fe3ea6ebeff56f871908fb44eb" }, { "name": "boundary_C3_all_clearing_is_ALL_CLEAR", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 }, { "name": "Beta", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 120, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 }, { "name": "Beta", "hours_saved_wk": 1, "loaded_rate": 120, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 } ], "ranked": [ { "name": "Alpha", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 }, { "name": "Beta", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 } ], "keepers": [ "Alpha", "Beta" ], "droppers": [], "net_keep_mo": 1030.87, "net_all_mo": 1030.87, "hours_reclaimed_wk": 3, "horizon_net_keep": 24740.8, "horizon_net_all": 24740.8, "best_candidate": "Alpha", "fastest_breakeven_candidate": "Alpha", "fastest_breakeven_months": 0.2, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "3c9c2ad1bbb6b832e9bf69b04d416e12bd74fea9da2d764810adf2edbc438ff9" }, { "name": "boundary_C3_one_dropper_is_MIXED", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 500 }, { "name": "Beta", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 120, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 500 }, { "name": "Beta", "hours_saved_wk": 1, "loaded_rate": 120, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 } ], "ranked": [ { "name": "Beta", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 }, { "name": "Alpha", "value_mo": 519.6, "recurring_with_haircut_mo": 600, "build_amortized_mo": 4.17, "tco_mo": 604.17, "net_mo": -84.57, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -2029.6 } ], "keepers": [ "Beta" ], "droppers": [ "Alpha" ], "net_keep_mo": 515.43, "net_all_mo": 430.87, "hours_reclaimed_wk": 1, "horizon_net_keep": 12370.4, "horizon_net_all": 10340.8, "best_candidate": "Beta", "fastest_breakeven_candidate": "Beta", "fastest_breakeven_months": 0.2, "verdict": "MIXED_LIST", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "6ee6b5af8e4f8975bb2a52431311a725bdb54af7a2b73a3f5e969e290f57a8eb" }, { "name": "boundary_C4_zero_keepers_is_NO_CANDIDATE_CLEARS", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead 1", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 40, "error_cost_avoided_usd_month": 0, "build_cost_usd": 9000, "subscription_usd_month": 900 }, { "name": "Dead 2", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 0, "build_cost_usd": 400, "subscription_usd_month": 50 }, { "name": "Dead 3", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 20, "error_cost_avoided_usd_month": 0, "build_cost_usd": 8000, "subscription_usd_month": 40 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead 1", "hours_saved_wk": 1, "loaded_rate": 40, "error_cost_mo": 0, "build_cost": 9000, "subscription_mo": 900 }, { "name": "Dead 2", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 0, "build_cost": 400, "subscription_mo": 50 }, { "name": "Dead 3", "hours_saved_wk": 2, "loaded_rate": 20, "error_cost_mo": 0, "build_cost": 8000, "subscription_mo": 40 } ], "ranked": [ { "name": "Dead 2", "value_mo": 0, "recurring_with_haircut_mo": 60, "build_amortized_mo": 16.67, "tco_mo": 76.67, "net_mo": -76.67, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -1840 }, { "name": "Dead 3", "value_mo": 173.2, "recurring_with_haircut_mo": 48, "build_amortized_mo": 333.33, "tco_mo": 381.33, "net_mo": -208.13, "breakeven_months": 63.9, "breakeven_months_exact": 63.897764, "call": "SKIP", "horizon_net": -4995.2 }, { "name": "Dead 1", "value_mo": 173.2, "recurring_with_haircut_mo": 1080, "build_amortized_mo": 375, "tco_mo": 1455, "net_mo": -1281.8, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -30763.2 } ], "keepers": [], "droppers": [ "Dead 2", "Dead 3", "Dead 1" ], "net_keep_mo": 0, "net_all_mo": -1566.6, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": -37598.4, "best_candidate": "Dead 2", "fastest_breakeven_candidate": "Dead 3", "fastest_breakeven_months": 63.9, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "6f85c10f169c1d8375a19ca4f7bd8b1cfe0700373b2388974d360e714c16f246" }, { "name": "boundary_C4_one_keeper_of_three_is_MIXED", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead 1", "hours_saved_per_week": 1, "loaded_hourly_rate_usd": 40, "error_cost_avoided_usd_month": 0, "build_cost_usd": 9000, "subscription_usd_month": 900 }, { "name": "Dead 2", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 0, "build_cost_usd": 400, "subscription_usd_month": 50 }, { "name": "Live 3", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 20, "error_cost_avoided_usd_month": 0, "build_cost_usd": 300, "subscription_usd_month": 40 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Dead 1", "hours_saved_wk": 1, "loaded_rate": 40, "error_cost_mo": 0, "build_cost": 9000, "subscription_mo": 900 }, { "name": "Dead 2", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 0, "build_cost": 400, "subscription_mo": 50 }, { "name": "Live 3", "hours_saved_wk": 2, "loaded_rate": 20, "error_cost_mo": 0, "build_cost": 300, "subscription_mo": 40 } ], "ranked": [ { "name": "Live 3", "value_mo": 173.2, "recurring_with_haircut_mo": 48, "build_amortized_mo": 12.5, "tco_mo": 60.5, "net_mo": 112.7, "breakeven_months": 2.4, "breakeven_months_exact": 2.396166, "call": "BUILD", "horizon_net": 2704.8 }, { "name": "Dead 2", "value_mo": 0, "recurring_with_haircut_mo": 60, "build_amortized_mo": 16.67, "tco_mo": 76.67, "net_mo": -76.67, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -1840 }, { "name": "Dead 1", "value_mo": 173.2, "recurring_with_haircut_mo": 1080, "build_amortized_mo": 375, "tco_mo": 1455, "net_mo": -1281.8, "breakeven_months": null, "breakeven_months_exact": null, "call": "SKIP", "horizon_net": -30763.2 } ], "keepers": [ "Live 3" ], "droppers": [ "Dead 2", "Dead 1" ], "net_keep_mo": 112.7, "net_all_mo": -1245.77, "hours_reclaimed_wk": 2, "horizon_net_keep": 2704.8, "horizon_net_all": -29898.4, "best_candidate": "Live 3", "fastest_breakeven_candidate": "Live 3", "fastest_breakeven_months": 2.4, "verdict": "MIXED_LIST", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "36c6d132d6c3d16fb5282003c6eeadaa49ca4dfef972ca872849485e57c6c983" }, { "name": "boundary_C5_net_exactly_tied_preserves_input_order", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 }, { "name": "Beta", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 }, { "name": "Beta", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 } ], "ranked": [ { "name": "Alpha", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 }, { "name": "Beta", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 } ], "keepers": [ "Alpha", "Beta" ], "droppers": [], "net_keep_mo": 1030.87, "net_all_mo": 1030.87, "hours_reclaimed_wk": 4, "horizon_net_keep": 24740.8, "horizon_net_all": 24740.8, "best_candidate": "Alpha", "fastest_breakeven_candidate": "Alpha", "fastest_breakeven_months": 0.2, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "b4b0ffaf4f2d9f061a3e54ce5ae8f2fa7cdd2b4edfa4be79ed9880a250efbb8a" }, { "name": "boundary_C5_net_just_past_orders_by_net", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0, "build_cost_usd": 100, "subscription_usd_month": 0 }, { "name": "Beta", "hours_saved_per_week": 2, "loaded_hourly_rate_usd": 60, "error_cost_avoided_usd_month": 0.01, "build_cost_usd": 100, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [ { "name": "Alpha", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0, "build_cost": 100, "subscription_mo": 0 }, { "name": "Beta", "hours_saved_wk": 2, "loaded_rate": 60, "error_cost_mo": 0.01, "build_cost": 100, "subscription_mo": 0 } ], "ranked": [ { "name": "Beta", "value_mo": 519.61, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.44, "breakeven_months": 0.2, "breakeven_months_exact": 0.192452, "call": "BUILD", "horizon_net": 12370.64 }, { "name": "Alpha", "value_mo": 519.6, "recurring_with_haircut_mo": 0, "build_amortized_mo": 4.17, "tco_mo": 4.17, "net_mo": 515.43, "breakeven_months": 0.2, "breakeven_months_exact": 0.192456, "call": "BUILD", "horizon_net": 12370.4 } ], "keepers": [ "Beta", "Alpha" ], "droppers": [], "net_keep_mo": 1030.88, "net_all_mo": 1030.88, "hours_reclaimed_wk": 4, "horizon_net_keep": 24741.04, "horizon_net_all": 24741.04, "best_candidate": "Beta", "fastest_breakeven_candidate": "Beta", "fastest_breakeven_months": 0.2, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "72d5b684b522e09684a33918fc75189a112cf7bdc1ba31c0ba80b1fde8c597b0" }, { "name": "boundary_C6_breakeven_exactly_tied_breaks_on_ranked_order", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Beta", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 100, "build_cost_usd": 90, "subscription_usd_month": 0 }, { "name": "Alpha", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 1000, "build_cost_usd": 900, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Beta", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 100, "build_cost": 90, "subscription_mo": 0 }, { "name": "Alpha", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 1000, "build_cost": 900, "subscription_mo": 0 } ], "ranked": [ { "name": "Alpha", "value_mo": 1000, "recurring_with_haircut_mo": 0, "build_amortized_mo": 900, "tco_mo": 900, "net_mo": 100, "breakeven_months": 0.9, "breakeven_months_exact": 0.9, "call": "BUILD", "horizon_net": 100 }, { "name": "Beta", "value_mo": 100, "recurring_with_haircut_mo": 0, "build_amortized_mo": 90, "tco_mo": 90, "net_mo": 10, "breakeven_months": 0.9, "breakeven_months_exact": 0.9, "call": "BUILD", "horizon_net": 10 } ], "keepers": [ "Alpha", "Beta" ], "droppers": [], "net_keep_mo": 110, "net_all_mo": 110, "hours_reclaimed_wk": 0, "horizon_net_keep": 110, "horizon_net_all": 110, "best_candidate": "Alpha", "fastest_breakeven_candidate": "Alpha", "fastest_breakeven_months": 0.9, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "80fbed60464c4902cccce48bb4483ce7f83d13b57eac99a1ce7b8e94c0913546" }, { "name": "boundary_C6_breakeven_just_past_picks_the_faster_one", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Alpha", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 1000, "build_cost_usd": 900, "subscription_usd_month": 0 }, { "name": "Beta", "hours_saved_per_week": 0, "loaded_hourly_rate_usd": 0, "error_cost_avoided_usd_month": 100, "build_cost_usd": 10, "subscription_usd_month": 0 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Alpha", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 1000, "build_cost": 900, "subscription_mo": 0 }, { "name": "Beta", "hours_saved_wk": 0, "loaded_rate": 0, "error_cost_mo": 100, "build_cost": 10, "subscription_mo": 0 } ], "ranked": [ { "name": "Alpha", "value_mo": 1000, "recurring_with_haircut_mo": 0, "build_amortized_mo": 900, "tco_mo": 900, "net_mo": 100, "breakeven_months": 0.9, "breakeven_months_exact": 0.9, "call": "BUILD", "horizon_net": 100 }, { "name": "Beta", "value_mo": 100, "recurring_with_haircut_mo": 0, "build_amortized_mo": 10, "tco_mo": 10, "net_mo": 90, "breakeven_months": 0.1, "breakeven_months_exact": 0.1, "call": "BUILD", "horizon_net": 90 } ], "keepers": [ "Alpha", "Beta" ], "droppers": [], "net_keep_mo": 190, "net_all_mo": 190, "hours_reclaimed_wk": 0, "horizon_net_keep": 190, "horizon_net_all": 190, "best_candidate": "Alpha", "fastest_breakeven_candidate": "Beta", "fastest_breakeven_months": 0.1, "verdict": "ALL_CLEAR", "warning_checks": [], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "bb854e1c3cb15edeb9e8bef02606a6b4ad2830e37c30d827d2e2532cb2380dca" }, { "name": "boundary_C7_all_three_clamps_fire", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": -50, "horizon_months": 0, "weeks_per_month": 0.5, "candidates": [ { "name": "Clamped", "hours_saved_per_week": 4, "loaded_hourly_rate_usd": -25, "error_cost_avoided_usd_month": 30, "build_cost_usd": -100, "subscription_usd_month": -50 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 0, "horizon_months": 1, "weeks_per_month": 1, "candidates": [ { "name": "Clamped", "hours_saved_wk": 4, "loaded_rate": 0, "error_cost_mo": 30, "build_cost": 0, "subscription_mo": 0 } ], "ranked": [ { "name": "Clamped", "value_mo": 30, "recurring_with_haircut_mo": 0, "build_amortized_mo": 0, "tco_mo": 0, "net_mo": 30, "breakeven_months": 0, "breakeven_months_exact": 0, "call": "BUILD", "horizon_net": 30 } ], "keepers": [ "Clamped" ], "droppers": [], "net_keep_mo": 30, "net_all_mo": 30, "hours_reclaimed_wk": 4, "horizon_net_keep": 30, "horizon_net_all": 30, "best_candidate": "Clamped", "fastest_breakeven_candidate": "Clamped", "fastest_breakeven_months": 0, "verdict": "ALL_CLEAR", "warning_checks": [ "HAIRCUT_CLAMPED_TO_FLOOR", "HORIZON_CLAMPED_TO_FLOOR", "WEEKS_PER_MONTH_CLAMPED_TO_FLOOR" ], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "2411af4d381ea38510a2274f5d42653e30908627c12db0b470b5265a4ffcc519" }, { "name": "boundary_C7_horizon_fraction_rounds_half_up", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24.6, "weeks_per_month": 4.33, "candidates": [ { "name": "Rounding", "hours_saved_per_week": 3, "loaded_hourly_rate_usd": 45, "error_cost_avoided_usd_month": 150, "build_cost_usd": 2000, "subscription_usd_month": 60 } ] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 25, "weeks_per_month": 4.33, "candidates": [ { "name": "Rounding", "hours_saved_wk": 3, "loaded_rate": 45, "error_cost_mo": 150, "build_cost": 2000, "subscription_mo": 60 } ], "ranked": [ { "name": "Rounding", "value_mo": 734.55, "recurring_with_haircut_mo": 72, "build_amortized_mo": 80, "tco_mo": 152, "net_mo": 582.55, "breakeven_months": 3, "breakeven_months_exact": 3.01864, "call": "BUILD", "horizon_net": 14563.75 } ], "keepers": [ "Rounding" ], "droppers": [], "net_keep_mo": 582.55, "net_all_mo": 582.55, "hours_reclaimed_wk": 3, "horizon_net_keep": 14563.75, "horizon_net_all": 14563.75, "best_candidate": "Rounding", "fastest_breakeven_candidate": "Rounding", "fastest_breakeven_months": 3, "verdict": "ALL_CLEAR", "warning_checks": [ "HORIZON_ROUNDED_TO_WHOLE_MONTHS" ], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "value_mo = hours_saved_wk*weeks_per_month*loaded_rate + error_cost_mo. tco_mo = subscription_mo*(1+haircut_pct/100) + build_cost/horizon_months. net_mo = value_mo - tco_mo. breakeven_months = build_cost/(value_mo - recurring_with_haircut_mo), null when that denominator is not positive. horizon_net = value_mo*horizon_months - (build_cost + recurring_with_haircut_mo*horizon_months), which equals net_mo*horizon_months. The maintenance haircut applies to the subscription only, never to the amortised build. hours_reclaimed_wk sums hours over BUILD candidates only. Ranking is descending net_mo; ties preserve input order (Array.prototype.sort stability, ES2019)." }, "golden_hash": "b0b56bda34b95a7b9ac8bc4ac25d36b3b0b337bb10d4cc31bcf8d389258c61e0" }, { "name": "boundary_empty_candidate_list", "policy_parameters": { "as_of": "2026-10-13", "maintenance_haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [] }, "output_payload": { "as_of": "2026-10-13", "haircut_pct": 20, "horizon_months": 24, "weeks_per_month": 4.33, "candidates": [], "ranked": [], "keepers": [], "droppers": [], "net_keep_mo": 0, "net_all_mo": 0, "hours_reclaimed_wk": 0, "horizon_net_keep": 0, "horizon_net_all": 0, "best_candidate": null, "fastest_breakeven_candidate": null, "fastest_breakeven_months": null, "verdict": "NO_CANDIDATE_CLEARS", "warning_checks": [ "NO_CANDIDATES" ], "regulatory_basis": "none — pure gross-dollar payback arithmetic over user estimates; no tax or regulatory premise", "note": "No candidates supplied. The Apex page alerts \"Add at least one automation candidate to rank.\" and returns without rendering results." }, "golden_hash": "9d3f85bb3d1a353079761bd2566aa000384685b8983e189a1dc19fd8de2218d9" } ] }