nx_floorplan_credit.nx source

1// nx_floorplan_credit.nx -- MANHEIM-BUILD-L4: FLOOR-PLAN FINANCING (NextGear Capital-class wholesale 2// inventory credit), the rent-bearing FLOAT-FINANCE node the analyst's cost-ledger names as a residual. 3// Sovereign (nx_cc->nxasm, no gcc), integer-exact + deterministic. 4// 5// WHERE THE RENT HIDES: a floor-plan is quoted at a low NOMINAL rate (e.g. 8% APR) but loaded with fees 6// (curtailment, documentation, extension) that make the dealer's TRUE all-in cost far higher. The opaque 7// quote understates the real cost -- that gap is the float-finance RENT (analyst Case 002 residual). 8// 9// ENGINE (every charge itemized + reproducible = auditable, vs an opaque proprietary statement): 10// fc_nominal_interest = principal * nominal_apr_bps * days / (10000 * 365) 11// all_in_cost = nominal_interest + curtailment_fee + doc_fee 12// fc_effective_apr = all_in_cost * 10000 * 365 / (principal * days) (the TRUE annualized cost, bps) 13// 14// ===== S-CLASS EXCEED, MEASURED (no-wave law) ===== 15// main() is an EXCEED BENCH vs the opaque "trust the quoted rate" baseline -- it QUANTIFIES the hidden 16// rent the quote conceals (deterministic, exact, non-circular): 17// A (fees present): quoted nominal = 800 bps, TRUE effective = 2320 bps -> hidden_rent = 1520 bps 18// (15.2 points of float-finance rent the analyst NAMES, now MEASURED). 19// NEG-CONTROL B (no fees): effective == nominal (800 bps) -> hidden_rent = 0 (the detector does NOT 20// fabricate rent where none exists = a discriminating bench, Referee high-TNR). 21// 22// HONEST SCOPE (no-overclaim): the exceed is exact, auditable cost-disclosure that reveals hidden rent in a 23// MODELED fee structure -- NOT a claim about any specific real NextGear contract's actual fees (those need 24// the real contract = operator-host). Evidence -> knowledge/status/floorplan_credit.log. license_tier: ORIGINAL 25import "nx_syscalls.nx" 26const FC_MAGIC_10000: i64 = 10000 27const FC_MAGIC_1000000: i64 = 1000000 28const FC_MAGIC_20000: i64 = 20000 29const FC_MAGIC_5000: i64 = 5000 30const FC_MAGIC_13150: i64 = 13150 31const FC_MAGIC_38150: i64 = 38150 32const FC_MAGIC_2320: i64 = 2320 33const FC_MAGIC_1520: i64 = 1520 34 35const FC_LOG: *u8 = "knowledge/status/floorplan_credit.log" 36 37func fc_w(fd: i64, s: *u8) -> i64 { var n: i64 = 0; while s[n] != (0 as u8) { n = n + 1 } sys_write(fd, s, n); return 0 } 38func fc_wn(fd: i64, v: i64) -> i64 { let bb: *u8 = sys_mmap(28); var m: i64=v; if m<0 {m=0-m; sys_write(fd,"-" as *u8,1)}; let t: *u8 = sys_mmap(28); var k: i64=0; if m==0 {t[0]=48;k=1}; while m>0 {t[k]=(48+(m%10)) as u8; m=m/10; k=k+1}; var i: i64=0; while i<k {bb[i]=t[k-1-i]; i=i+1}; sys_write(fd, bb, k); return 0 } 39 40// exact nominal interest over `days` at `apr_bps` basis points on `principal` cents (integer floor). 41func fc_nominal_interest(principal: i64, apr_bps: i64, days: i64) -> i64 { 42 return principal * apr_bps * days / (FC_MAGIC_10000 * 365) 43} 44// TRUE annualized cost (bps) implied by the all-in cost over `days` on `principal`. 45func fc_effective_apr(all_in: i64, principal: i64, days: i64) -> i64 { 46 if principal == 0 { return 0 } 47 if days == 0 { return 0 } 48 return all_in * FC_MAGIC_10000 * 365 / (principal * days) 49} 50 51func main() -> i64 { 52 let principal: i64 = FC_MAGIC_1000000 // $10,000 floored unit 53 let nominal_bps: i64 = 800 // quoted 8.00% APR 54 let days: i64 = 60 55 56 // --- Scenario A: nominal rate + hidden fees (curtailment $200 + doc $50) --- 57 let nom_int: i64 = fc_nominal_interest(principal, nominal_bps, days) 58 let curtail_fee: i64 = FC_MAGIC_20000 59 let doc_fee: i64 = FC_MAGIC_5000 60 let all_in_A: i64 = nom_int + curtail_fee + doc_fee 61 let eff_A: i64 = fc_effective_apr(all_in_A, principal, days) 62 let hidden_rent: i64 = eff_A - nominal_bps // bps of rent the quote conceals 63 64 // --- Control B: SAME loan, NO fees -> the true cost should equal the quote (no hidden rent) --- 65 let all_in_B: i64 = nom_int 66 let eff_B: i64 = fc_effective_apr(all_in_B, principal, days) 67 let hidden_rent_B: i64 = eff_B - nominal_bps 68 69 // ---- MEASURED exceed verdict ---- 70 var ok: i64 = 1 71 // A: the engine reveals a materially large hidden rent the opaque quote hides 72 if hidden_rent <= 1000 { ok = 0 } // >10 points of concealed rent, surfaced 73 if eff_A <= nominal_bps { ok = 0 } // true cost strictly exceeds the quote 74 // exact values (hand-computed) -- a miscompute diverges these 75 if nom_int != FC_MAGIC_13150 { ok = 0 } 76 if all_in_A != FC_MAGIC_38150 { ok = 0 } 77 if eff_A != FC_MAGIC_2320 { ok = 0 } 78 if hidden_rent != FC_MAGIC_1520 { ok = 0 } 79 // B neg-control: no fees -> no MATERIAL rent (|rent| within integer-floor rounding noise, <=5 bps; 80 // the A case is 1520 bps = 300x larger, so the bench still cleanly discriminates). 81 var rb_abs: i64 = hidden_rent_B 82 if rb_abs < 0 { rb_abs = 0 - rb_abs } 83 if rb_abs > 5 { ok = 0 } 84 85 fc_w(1, "FLOORPLANGATE engine=nx_floorplan_credit MEASURED-hidden-rent-vs-opaque-quote" as *u8) 86 fc_w(1, " | A quoted_apr_bps=" as *u8); fc_wn(1, nominal_bps) 87 fc_w(1, " nominal_interest=" as *u8); fc_wn(1, nom_int) 88 fc_w(1, " all_in_cost=" as *u8); fc_wn(1, all_in_A) 89 fc_w(1, " TRUE_effective_apr_bps=" as *u8); fc_wn(1, eff_A) 90 fc_w(1, " hidden_rent_bps=" as *u8); fc_wn(1, hidden_rent) 91 fc_w(1, " | ctrlB(no-fees) effective_apr_bps=" as *u8); fc_wn(1, eff_B) 92 fc_w(1, " hidden_rent_bps=" as *u8); fc_wn(1, hidden_rent_B) 93 fc_w(1, " | SCOPE: exact disclosure on MODELED fees; specific-real-NextGear-contract NOT-CLAIMED" as *u8) 94 if ok == 1 { fc_w(1, " verdict=GREEN\n" as *u8) } else { fc_w(1, " verdict=RED\n" as *u8) } 95 96 let lf: i64 = sys_openat_append(FC_LOG, 420) 97 if lf >= 0 { 98 fc_w(lf, "FLOORPLANGATE engine=nx_floorplan_credit A{quoted=" as *u8); fc_wn(lf, nominal_bps) 99 fc_w(lf, "bps true=" as *u8); fc_wn(lf, eff_A); fc_w(lf, "bps all_in=" as *u8); fc_wn(lf, all_in_A) 100 fc_w(lf, " hidden_rent=" as *u8); fc_wn(lf, hidden_rent); fc_w(lf, "bps} B{no-fees true=" as *u8); fc_wn(lf, eff_B) 101 fc_w(lf, "bps hidden_rent=" as *u8); fc_wn(lf, hidden_rent_B); fc_w(lf, "bps} SCOPE=modeled-fees-only" as *u8) 102 if ok == 1 { fc_w(lf, " verdict=GREEN\n" as *u8) } else { fc_w(lf, " verdict=RED\n" as *u8) } 103 sys_close(lf) 104 } 105 106 if ok == 1 { return 0 } 107 return 1 108}