Who pays, and the rating that moves: delta by who could close it, and the world as an input

Only the delta an operator could have closed is theirs; platform granularity is a library artefact; and a rating states what changed and which way, never a multiplier. Memo 3 also asked whether a model vendor would carry a policy against its own mistakes — the same argument memo 6 later made about brokers, three memos early.