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What changed: r4 to r5

Added earned-premium and claims scenarios, revised reinsurance context and a two-facility growth-financing cash bridge.

Retrieval clocks and internal hashes are excluded. Changed source or accounting definitions are not automatically an economic restatement. The authored reason describes the destination revision.

FieldBeforeAfter
/memory/as_of2026-09-182026-09-21
/memory/bands/10d/nNone300
/memory/bands/10d/p10-7.288-6.024
/memory/bands/10d/p50-0.1420.193
/memory/bands/10d/p906.4057.137
/memory/bands/10d/p_up0.4830.523
/memory/bands/126d/censoredNone0
/memory/bands/126d/nNone284
/memory/bands/126d/p10None-28.404
/memory/bands/126d/p50None-1.2
/memory/bands/126d/p90None19.456
/memory/bands/126d/p_upNone0.454
/memory/bands/1d/nNone300
/memory/bands/1d/p10-1.686-1.966
/memory/bands/1d/p500.074-0.009
/memory/bands/1d/p902.1912.139
/memory/bands/1d/p_up0.5270.5
/memory/bands/21d/censoredNone0
/memory/bands/21d/nNone300
/memory/bands/21d/p10None-9.705
/memory/bands/21d/p50None-0.259
/memory/bands/21d/p90None9.238
/memory/bands/21d/p_upNone0.483
/memory/bands/252d/censoredNone0
/memory/bands/252d/nNone278
/memory/bands/252d/p10None-38.902
/memory/bands/252d/p50None-0.407
/memory/bands/252d/p90None39.117
/memory/bands/252d/p_upNone0.486
/memory/bands/5d/nNone300
/memory/bands/5d/p10-4.007-5.003
/memory/bands/5d/p50-0.0930.078
/memory/bands/5d/p904.9835.024
/memory/bands/5d/p_up0.4930.507
/memory/bands/63d/censoredNone0
/memory/bands/63d/nNone291
/memory/bands/63d/p10None-22.644
/memory/bands/63d/p50None-0.478
/memory/bands/63d/p90None17.792
/memory/bands/63d/p_upNone0.474
/memory/statedown/below/off/stuck/ordinary/weak/somedown/below/off/stuck/ordinary/mid/some
/meta/as_of2026-09-192026-09-22
/meta/revision45