HL-40211
Step 5 · Consumed collateralstate
held
file 3 of 108
interrupt
policy_judgment
policy judgment
waiting
6m
astro · paused
policy_judgment
Appraised value sits 8% below the AVM range and the policy card doesn’t cover a gap this size — how should this be ruled?
What the run already has
appraisal pg 1appraised value · $552,000
AVM report pg 1range · $600,000 to $624,000
Policy card, collateral §4 — value is consumed from the appraisal, not derived. Where the appraisal falls outside the AVM range, escalate.
The card says escalate but does not say what an acceptable gap is, so there is no threshold to apply.
This changes the outcome
Accepting keeps LTV at 78.4%, inside the lien-position limit. Ordering a review stops the file until a second appraisal lands, so the two options do not reach the same outcome.
This type never clears on its own, whatever the confidence. A named human approval is recorded on the decision.
Everything above came from the run — no document reading required. This type is deliberately exempt from the thirty-second rule: it is genuine deliberation, not an under-specified question.