{
  "name": "THE AMORTIZATION CARD",
  "handle": "amortization-card",
  "number": "697 PROPOSED",
  "edition": 2,
  "house": "THE INSTRUMENTS",
  "sigil": "÷",
  "hue": "#4C2E6B",
  "role": "the schedule, to the cent",
  "tagline": "EVERY PAYMENT · INTEREST · PRINCIPAL · BALANCE",
  "honest_line": "Fixed rate, level payment, no fees, no escrow. A lender's own schedule may differ by rounding. Not financial advice.",
  "wakes": [
    "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"
  ],
  "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"
  ],
  "laws": [
    "To the cent each period; the last payment absorbs the rounding.",
    "A zero rate divides evenly.",
    "It computes; it never advises."
  ],
  "box": [
    "references/THE-METHOD.md",
    "EVALS.json",
    "EVALS.md",
    "scripts/evals.py",
    "CARD.md · SKILL.md · TIN.md · START-HERE.md · MY-LEDGER.md · THE-CLAUSES.md · LICENSE-NOTE.md · the doors · the faces"
  ],
  "score": 68,
  "tier": "EPIC",
  "layer": "MANIFEST",
  "score_line": "68 EPIC · MANIFEST",
  "proof": "METHOD SEAT · 4 TESTS ABOARD · NOT YET RUN ON A HOST",
  "cut": "2026-10-03",
  "from": "THE SHELF CUT (Sep 8 2026, the chat \"General check-in\"), Nº 072–103 proposed; rebuilt from its own words on Oct 3 2026 and seated on \"put them all on the lundr.tech theme\"; the first cut (THE SHELF CUT, Sep 8 2026) carried a machine, scripts/amortization.py, and scored 98 WITNESSED; this edition is rebuilt from that cut's own words and does not carry the machine yet — it returns, and the mark with it, when the machine is recovered from that session",
  "room": {
    "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."
    ]
  },
  "lsc": "LSC-1",
  "punch": "62D20ECA97D9DC742543D0EF",
  "punch_of": "sha256(SKILL.md)[:96 bits]",
  "skill_sha256": "62d20eca97d9dc742543d0ef6676cef52dee4057710a0ac91a7529a09639b03d",
  "faces": [
    "card.svg",
    "card-machine.svg",
    "card.html"
  ]
}