Split obligations from the qualifying payment

0.9.2 → 0.10.0

Attempt at a glance
Status	inconclusive
Procedure touched	Step 4 · Obligations and DTI
Tested against	150-field standard set · 5 of 5 runs, strict
Evidence	93.1% ±2.1 against 92.4% ±2 baseline
Spent	$11.55 · 22m
Owner	s.mendo

What changed in the procedure

before and after, by step

Step 4 · Obligations and DTI

Assemble every debt from its true source and build the qualifying payment.

WasOne pass gathered the debts and produced the payment, so a wrong payment and a missed debt looked the same from outside.

NowTwo halves with their own acceptance criteria. The checker can say which half it disagrees with.

What it did to the queue

the reviewer’s side of the loop

Debt-to-income failures moved 8 to 7 in 150 — the split made the procedure easier to read without giving the checker anything new to check against. The structure was kept; the accuracy claim was not made.

Thread

verdict computed as inconclusive

you

Step 4 does two jobs at once — gathering every debt from its true source, and turning them into the qualifying payment. Separate them so each has its own acceptance criteria and the checker can verify them independently.

astro

93.1% ±2.1 against 92.4% ±2.0 — overlapping intervals. Debt-to-income failures went 8 to 7 in 150.

The split made the procedure easier to read without giving the checker anything new to check against, which is why the number barely moved. Worth keeping for legibility; not worth claiming as accuracy.