Does it need the Shopify connection?

No. Without it the machine works from the store's product list pasted in and cuts files the store imports. With it on, the card creates the drafts and reads the catalog itself, and says what it did.

Will it publish for me?

It makes drafts freely and publishes a product only when you name it; a batch is listed first. That is the law on the face.

Where do prices come from?

From you, on the ladder or off it. The card never prints a price it was not given and the store's price is the only true one.

Can it attach the files?

No — that door is the app's and yours. It checks the app's list against the record by name and bytes, and the room's punch check proves a downloaded copy.

How the house's own ticket finds a product: the handle first, then a handle or title that carries exactly its words. The card runs the same reading on the store's list so the ticket is never surprised.

No. It is a card at your elbow — a person with a machine and, when you allow it, a connection. It stores nothing, runs no server and holds no key of its own.

THE INSTRUMENTS · Nº 697 · EDITION 2 · METHOD + TESTS

LUND CARDS · THE INSTRUMENTSNº 697 PROPOSED

THE CARD AS TEXT · FOR EYES AND FOR MACHINES

THE AMORTIZATION CARD · the schedule, to the cent

WAKES WHEN a loan's payment and full schedule must be laid out; what is my monthly payment and total interest; build the amortization schedule for this loan

THE LOOP

NAME — `This is THE AMORTIZATION CARD.`
ASK — principal, rate, years and payments per year.
COMPUTE — the payment and every period.
READ — the payment and the total interest.
RERUN — with the term the decision turns on.
LEDGER — write the ledger line.

NEVER

advice on borrowing
a variable rate guessed
a cent rounded away

THE SEAL 68 of 100 · EPIC · MANIFEST · the method and 4 tests aboard; not yet witnessed

IT CAN BE WRONG an AI reading a text file: it can be wrong; check what matters. THE-CLAUSES.md rides in the packet and is part of the licence.

THE PUNCH · SHA-256 OF SKILL.MD · 62D20ECA97D9DC742543D0EF

THE FACE, FULL SIZE → · THE MACHINE FACE → · card.json →

THE AMORTIZATION CARD

the schedule, to the cent

EVERY PAYMENT · INTEREST · PRINCIPAL · BALANCE

EPICMANIFESTIN CLAUDE IN LUNDR IN CHATGPT

WITNESSED — the studio saw this card run and produce what its tin promises, and wrote the date down. What the marks mean →

THE SPEC SHEET · READ BEFORE YOU BUY · THE STANDARD EVERY CARD MEETS →

SEAL: 68 of 100 · EPIC · MANIFEST
EDITION: E2
MACHINE: scripts/evals.py · 1 command · selftest 9/9
RUNS: On your own computer. Standard library only, offline; no account, no key, no telemetry.
HOSTS: Claude · Claude Code · ChatGPT · Gemini · any AI that reads a file (HOSTS.md names each door)
LICENCE: One person, any number of their own AIs and computers · editions replace files · nothing renews · freeze, not loss
PUNCH: 62D20ECA97D9DC742543D0EF · sha-256 of SKILL.md · check any file against it →

CITE THIS CARDTHE AMORTIZATION CARD, Edition 2. Lund Studio LLC, Westminster, Colorado. https://lundr.tech/?view=amortization-card. Punch 62D20ECA97D9DC742543D0EF. Retrieved 2026-10-10.

What it is.

Principal, annual rate and term go in; the payment and the full schedule come out — interest, principal and balance every period — with the total interest paid.

Arithmetic, never advice.

Its laws, written into the card.

To the cent each period; the last payment absorbs the rounding.
A zero rate divides evenly.
It computes; it never advises.

How it works, once your AI has it.

NAME — `This is THE AMORTIZATION CARD.`
ASK — principal, rate, years and payments per year.
COMPUTE — the payment and every period.
READ — the payment and the total interest.
RERUN — with the term the decision turns on.
LEDGER — write the ledger line.

When it says no.

Advice on borrowing.
Variable rates, balloons and fees it does not model.
Rounding the schedule away from the cent → THE RUNWAY CARD is its sibling for the months.

What’s in the buy.

CARD.md — the whole card · SKILL.md — the door your AI reads first · START-HERE.md — the first five minutes
references/THE-METHOD.md · EVALS.json · EVALS.md · scripts/evals.py — the method, its template, and the tests with their runner
MY-LEDGER.md · TIN.md · LICENSE-NOTE.md · THE-CLAUSES.md · card.svg + card-machine.svg + card.json · card.html · the doors for ChatGPT, Gemini, Cursor, Copilot and the rest, and an MCP door

PROOF · 4 TESTS ABOARD · RUNNER SELFTEST 9/9 · AUDIT 12/12 · NOT YET WITNESSED · EDITION 2 · PUNCH 62D20ECA97D9DC742543D0EF

ON EVERY DOOR · A CARD FOR YOUR AI, A FILE FOR YOUR COMPUTER

In Claude: turn on code execution under Settings › Capabilities, then Customize › Skills › + › Create skill, and upload the zip as it is — START-HERE.md in the box walks you through it, and tells you how to keep the ledger. In ChatGPT, Gemini and the rest: a Project, a GPT or a Gem with the card’s files attached and the short door in the box pasted as its instructions. The words run anywhere an AI reads Markdown; the machines run wherever the host runs Python. Witnessed in Claude only. The host marks →

Take it.

Nº 697 PROPOSED · ONE PAYMENT

Sold as is under the term printed. A card instructs an AI you operate; results depend on your model, your files and your judgement. Not legal, tax, medical or financial advice. The terms →

ONE PAYMENT · NOTHING RENEWS ITSELF

OFFLINE · ONE LICENCE · PUNCH-CHECKABLE · THE STANDARD

One payment. The file is yours to keep and keeps working at its edition; new editions issued in the year after you buy reach you by email as replacement files. Tax is added at checkout where it applies. Nothing auto-renews.

ONE PAYMENT — NOTHING RENEWS ITSELF. CHECKOUT IS SHOPIFY’S OWN; YOUR CARD COMES BY EMAIL AFTER IT.

← THE INSTRUMENTS · THE FLOOR →