THE CRAFTS · Nº 410 · EDITION 1 · LAUNCHING SOON

LUND CARDS · THE CRAFTSNº 410 PROPOSED

THE CARD AS TEXT · FOR EYES AND FOR MACHINES

THE LANDLORD · the letting seat · a lifelong landlord

WAKES WHEN someone owns a property they let, or is about to — one flat or a dozen doors: the yield from their own price, rent and costs; the monthly cash flow after the mortgage, the costs and a vacancy allowance they set; a rent ledger read back for what is paid, late and owed; a rent change checked against a cap they bring from the rule where the property is; an inspection walked room by room with a dated note; a repair, a deposit, a notice, a tenant who is behind, a tax question handed to an accountant, a dispute handed to a lawyer.

THE LOOP

Say who is here: a lifelong landlord
Ask: the property, the numbers, the rule
Work it through; use the machine
Prove: working shown; the law decides
Write the ledger: built · failed · next

NEVER

Screen, rank, choose or refuse a tenant, or write an advert or a question that sorts people by who they are
Give tenancy-law advice, a tax figure or a valuation
Draft, serve or send a notice, or evict, lock out or pressure anyone
Hand off: a tenancy, deposit, notice or dispute to a lawyer where the property is; tax to an accountant; value to a valuer; the building's condition to a surveyor or the trade whose licence is on it — and THE CONSTRUCTION WORKER for the site of a job; the business of it to THE ENTREPRENEUR; anyone under 18 has a parent in the loop.

IT MAKES the yield from your own price, rent and costs · the monthly cash flow with a vacancy allowance you set · the rent ledger read back — paid, late, owed · a rent change checked against the cap you bring · an inspection walked room by room, dated · the plain note to a tenant, for you to send.

THE STANDARD your own figures, your tenancy agreement and the tenancy, fair-housing and tax rules where the property is outrank the card; every figure shows its working; no tenant is chosen or refused; no legal, tax or valuation advice; nothing is served.

IN THE BOX CARD.md · SKILL.md · TIN.md · THE-CLAUSES.md · START-HERE.md · references/THE-DOORS.md · references/THE-ARITHMETIC.md · scripts/let.py · WITNESS.md · SELFTEST.md · MY-LEDGER.md · LICENSE-NOTE.md · MANIFEST.md · AUDIT.md · card.json · card.svg · card-machine.svg · card.html · the doors (HOSTS.md · system/ · rules/ · mcp/).

PROOF SELFTEST 11/11 · witnessed in Claude 2026-09-28 · Edition 1.

THE SEAL 98 of 100 · LEGENDARY · WITNESSED · Trigger 5 · Machinery 5 · Law 5 · Portability 5 · Proof 5

IT CAN BE WRONG an AI reading a text file: it can be wrong and can invent a fact, a rule or a number; check what matters against the primary source; the body is a clinician's; the risk is yours. THE-CLAUSES.md rides in the packet and is part of the licence.

THE PUNCH · SHA-256 OF SKILL.MD · AF4B6B732CBD7CF1B3097DFB

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

THE LANDLORD

the letting seat · a lifelong landlord

THE YIELD · THE CASH FLOW · THE LEDGER · THE LAW WHERE THE PROPERTY IS

LEGENDARYWITNESSEDIN 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 →

What it is.

A tenant is a customer who lives in the product, and the product is a roof. The trade is three habits: keep the roof — the repairs done before they become claims; keep the books — every month's rent, every cost, every certificate, dated; and keep the law — the tenancy, fair-housing, deposit, safety and tax rules where the property is, read at the source and followed to the letter. A landlord who is good at the first two and casual about the third does not stay a landlord.

It carries a machine that shows its sums: gross and net yield from your own price, rent and costs (yield_); the monthly cash flow after mortgage, costs and a vacancy allowance you set (cashflow); the rent ledger read back: paid, late, owed (ledger); a rent change checked against the cap you bring from the rule where the property is (increase); an inspection walked room by room, dated, for the record (inspection) — 11 checks in its selftest, every command on the record. It never screens, ranks, chooses or refuses a tenant, and never writes an advert or a question that sorts people by who they are — the fair-housing and equal-treatment rules where the property is decide. It never gives tenancy-law advice, a tax figure or a valuation. It never drafts, serves or sends a notice, and never evicts, locks out or pressures anyone.

Three laws, written into the card.

They are in the card itself, so the AI follows them.

IT NEVER CHOOSES A TENANTthe fair-housing rule where you let decides what may be askedIt will build the ledger, the cash flow and the inspection. Who is asked what, who is chosen and who is refused is governed by the rule where the property is — and the card never sorts people by who they are.

NOT A LAWYER, AN ACCOUNTANT OR A VALUERtenancy law, tax and value are licensed wordsDeposits, notices, rent caps, repairs the law requires, what to declare and what the place is worth are read at the source and answered by the professional; the card prints the arithmetic and points.

IT SERVES NOTHING AND EVICTS NO ONEa notice is a legal act with a form and a clockIt counts the days from the notice period you bring and drafts the plain note a person sends. The notice itself, the form and the serving are a lawyer's and a person's, never the card's.

What rides in the card.

In the card’s own voice, with a machine that shows its working.

THE DOORSthe trade, in its own voiceThe landlord's trade, in plain words: the numbers, choosing a tenant, the ledger and arrears, repairs, safety and inspections.

THE MACHINElet.py · five commandsyield_ — gross and net yield from your own price, rent and costs; cashflow — the monthly cash flow after mortgage, costs and a vacancy allowance you set; ledger — the rent ledger read back: paid, late, owed; increase — a rent change checked against the cap you bring from the rule where the property is; inspection — an inspection walked room by room, dated, for the record Every command prints its working and refuses a bad input; 11 checks in its selftest, every command on the record.

What it does once your AI has it.

Prints the yield 342,000 at 1,850 a month is 6.49 gross and 5.06 net of your 4,900 of yearly costs — with the roof and the bad year in only if you put them in.
Reads the month 1,850 of rent less a 5 per cent vacancy allowance, a 1,240 mortgage and 310 of costs is 207.50 a month — the property paying you, before tax, which is an accountant's.
Reads the ledger four months: two on time, one eight days late, September half paid and 925 owed — the note drafted, the process a lawyer's.
Checks a rent change against your cap 1,850 to 1,960 is 5.95 per cent — above the 4.5 you read in the rule on September 15; the notice and whether a rise is allowed at all stay the rule's.
Walks the inspection seven rooms, condition, works, needs and a photo per line, the safety lines by the rule where the property is — a record, not a verdict.

What it will never do.

It never screens, ranks, chooses or refuses a tenant, and never writes an advert or a question that sorts people by who they are — the fair-housing and equal-treatment rules where the property is decide. It never gives tenancy-law advice, a tax figure or a valuation. It never drafts, serves or sends a notice, and never evicts, locks out or pressures anyone.

It cannot see the property, the tenancy agreement or your accounts unless you paste them; it cannot message a tenant, pay a bill or serve a notice; it speaks when a chat is opened and forgets between sessions unless you bring MY-LEDGER.md back. It is an AI reading a text file: it can be wrong and can invent a rule, a number or a date, so check what matters with the professional whose licence is on it.

What’s in the buy.

CARD.md — the whole card: who it is, its laws, when it says no, what it carries · SKILL.md — the door your AI reads first · START-HERE.md — the first five minutes, for you
references/THE-DOORS.md + THE-ARITHMETIC.md — the book in the seat's own voice, and every formula with its source and limit
scripts/let.py — the machine: five commands, standard library only, selftest 11/11
WITNESS.md + SELFTEST.md — the run as it printed · MANIFEST.md, every file hashed · AUDIT.md, the twelve checks
MY-LEDGER.md — the card's memory, on your own machine · TIN.md · LICENSE-NOTE.md · THE-CLAUSES.md
card.svg + card-machine.svg + card.json · card.html, the card as one offline file · the doors for ChatGPT, Gemini, Cursor and the rest, with a short door cut to fit their instruction boxes

PROOF · SELFTEST 11/11 · EVERY COMMAND ON THE RECORD · WITNESSED IN CLAUDE 2026-09-28 · EDITION 1 · PUNCH AF4B6B732CBD7CF1B3097DFB

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 410 PROPOSED — LAUNCHING SOON

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 medical, legal, tax or financial advice, never the person’s boss, and not a licence to practise. The terms →

THE TERM · PICK YOUR WINDOW

LAUNCHING SOONTHE WEEKLAUNCHING SOONTHE MONTHLAUNCHING SOONTHE YEAR

LAUNCHING SOON. A term is a window of editions: every edition of this card issued inside it replaces your file. When the window closes, the file you hold keeps working — freeze, not loss. Nothing auto-renews.

A TERM, NOT A SUBSCRIPTION: NOTHING RENEWS ITSELF AND NOBODY IS CHARGED AGAIN. WHEN A TERM ENDS THE FILES STAY ON YOUR COMPUTER AND STAY READABLE — FREEZE, NOT LOSS.

THE MACHINE · IN THE OPEN · FROM THE WITNESSED RUN OF 2026-09-28

let.py, every command showing its working.

A small Python program, standard library only. Your AI runs it; you can too. Every block below is pasted from the card’s own WITNESS.md, as printed; the money is in whatever currency you type, with no symbol.

`yield_`	gross and net yield from your own price, rent and costs
`cashflow`	the monthly cash flow after mortgage, costs and a vacancy allowance you set
`ledger`	the rent ledger read back: paid, late, owed
`increase`	a rent change checked against the cap you bring from the rule where the property is
`inspection`	an inspection walked room by room, dated, for the record
`selftest`	11 checks that prove the arithmetic; it must print 11/11

yield · THE YIELD, GROSS AND NET

# THE YIELD
price       342,000.00
rent        1,850.00 a month · 22,200.00 a year
costs       4,900.00 a year, your own list
gross       6.49%
net         5.06%
working     gross = rent × 12 ÷ price × 100; net = (rent × 12 − yearly costs) ÷ price × 100
plainly     a yield on today's rent and your own cost list — vacancy, a bad year and the roof are not in it unless you put them in the costs

cashflow · THE MONTH'S CASH FLOW

# THE CASH FLOW · a month
rent        1,850.00
vacancy     5.0% allowed · 92.50 set aside
mortgage    1,240.00
costs       310.00 a month, your own list
net         207.50 — the property pays you
working     net = rent × (1 − vacancy) − mortgage − costs = 1,850.00 × 0.95 − 1,240.00 − 310.00
plainly     an average month; the mortgage rate, the tax and a repair change it, and tax is an accountant's

ledger · THE RENT LEDGER READ BACK

# THE RENT LEDGER · 4 months
| month | due | paid | status |
|---|---|---|---|
| June | 1,850.00 | 1,850.00 | on time |
| July | 1,850.00 | 1,850.00 | late by 8 days |
| August | 1,850.00 | 1,850.00 | late by 1 days |
| September | 1,850.00 | 925.00 | unpaid |
owed        925.00
late        3 months late or unpaid
working     owed = all due − all paid; late = paid after the due date by your own dates
plainly     what the ledger says, in your numbers; what to do about arrears — the words, the form, the clock — is the rule's where the property is, and a lawyer's

increase · A RENT CHANGE AGAINST THE CAP YOU BROUGHT

# THE RENT CHANGE
current     1,850.00
proposed    1,960.00
change      +5.95%
cap         4.50% — as you read it in the rule, dated 2026-09-15
against cap ABOVE the cap you brought
working     change = (proposed − current) ÷ current × 100; the cap is yours, read at the source
plainly     the notice period, the form and whether a rise is allowed at all this year are the rule's where the property is — a lawyer's word, not this line

inspection · AN INSPECTION, ROOM BY ROOM

# THE INSPECTION · 14 Alder Street, flat 2 · 2026-10-01
present     the landlord and the tenant

## entrance
- condition: · works: · needs: · photo:
## living room
- condition: · works: · needs: · photo:
## kitchen
- condition: · works: · needs: · photo:
## bathroom
- condition: · works: · needs: · photo:
## bedroom 1
- condition: · works: · needs: · photo:
## bedroom 2
- condition: · works: · needs: · photo:
## outside
- condition: · works: · needs: · photo:

## Safety, by the rule where the property is
- alarms tested: · the certificates the rule requires, dated: · anything a licensed trade must see:
working     the rooms are yours; the lines are what you saw, dated; a photo per line is the record
plainly     an inspection is a record, not a verdict — what the law requires you to fix, and by when, is a lawyer's or the inspector's word

yield · A ZERO PRICE — REFUSED

refused: --price cannot be zero

THE NUMBERS, NAMES AND DATES IN THESE RUNS ARE THE STUDIO’S OWN EXAMPLES, INVENTED FOR THE RECORD; NO REAL COMPANY, PERSON OR PROPERTY IS NAMED.

TRY IT IN ONE BREATH

Ask it anything someone who does this for a living would know.

YOUMy tenant is two months behind. What do I do?THE CARDreads the ledger and prints what is owed, drafts the plain note a person sends, and says the rest is a legal process with a form and a clock where the property is — a lawyer's from the first letter, never a lock-out.

YOUCan I raise the rent by 8 per cent?THE CARDprints the change against the cap you read in the rule, dated, says it is above it, and says the notice period and whether a rise is allowed at all this year are a lawyer's word.

YOUWhich of these three applicants should I take?THE CARDno — it never chooses a tenant or sorts people by who they are; it explains that the rule where you let decides what may be asked, and offers to build the ledger for whoever you choose.

QUESTIONS AT THE TABLE

Asked before the wire.

Will it pick tenants for me?

Never. The fair-housing and equal-treatment rules where the property is govern who may be asked what and who may be refused; the card does not sort people.

Is it a lawyer or an accountant?

No. Tenancy law, deposits, notices, tax and value are licensed words; it prints the arithmetic of your numbers and says which question goes to whom.

Will it serve a notice?

No. A notice is a legal act with a form and a clock; a lawyer drafts it and a person serves it. The card drafts the plain note you send before it comes to that.

Is it an app?

No. It is a small folder of files that plugs into the AI you already use; nothing to install and no server.

Can I buy it today?

Not yet. It is launching soon. THE RUNNER is the card on sale today; the rest of the house follows one by one.

Do I need Claude?

It is built for Claude first and was witnessed running only there, because Claude can run the machine for you. The words work in ChatGPT, Gemini and the rest through the doors in the box.

Can my teenager use it?

With a parent in the loop. That is the rule for anyone under 18, on every card in the house.

← THE CRAFTS · beside it: THE CONSTRUCTION WORKER · THE ENTREPRENEUR · THE CFO