nx_fin_zscore.nx

nx_fin_zscore.nx -- R-MKT1 of the MARKETS-INVESTING finance arc: the ALTMAN Z-SCORE, a distress/bankruptcy predictor that answers "is this company financially healthy or in trouble?" from its balance sheet + income statement (the numbers you pull from an EDGAR 10-K). Grounded in the Nishi researcher's fetched source knowledge/fetched/fin_val_altman.raw (Altman 1968, public manufacturers): Z = 1.2*X1 + 1.4*X2 + 3.3*X3 + 0.6*X4 + 1.0*X5 X1 = working capital / total assets (short-term liquidity) X2 = retained earnings / total assets (cumulative profitability / age) X3 = EBIT / total assets (operating productivity) X4 = market value of equity / total liabs (solvency cushion) X5 = sales / total assets (asset turnover) Zones: Z > 2.99 SAFE | 1.81..2.99 GREY | Z < 1.81 DISTRESS. NO FLOATS: ratios are scaled x1000 (Xi_s = num*1000/den), coefficients x10 (12/14/33/6/10), the final /10 returns Z scaled x1000 -- exact integer arithmetic, the only correct way to do money. Thresholds are DATA (#11). Pure function, no store, no hardware writes -- safe to run in any request path. license_tier: ORIGINAL