Simplify Trace card: lender model, occupancy proof

README.md

@@ -16,39 +16,22 @@ pipeline_tag: text-generation
 
 **Occupancy opens 13 CFR 120.131.**
 
-Trace is the 504/7(a) model for CDFIs and lenders.
+Trace is the 504/7(a) model for lenders.
 
-Paste a file. Trace returns the SOP or CFR paragraph in force on the loan-number date, a hard-stop or bounce, and a board an officer can check. Every screen opens a source. No cite → not a screen.
+CDCs, CDFIs, and 7(a) shops use it the way they already use a model: paste a file, get an answer. The answer has to be the SOP or CFR paragraph that is in force on the loan-number date. If Trace cannot open that paragraph, it is not a screen.
 
-A designated officer still certifies eligibility and credit. Trace does not approve a loan. Trace does not deny credit. Trace does not speak for SBA. Trace is not an SBA product. Not for applicants. Outputs are drafts.
+A person still owns the file. Trace does not approve. Trace does not deny. Trace is not an SBA product. Not for applicants.
 
 ```bash
 python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
 ```
 
-Investor real estate must open **13 CFR 120.131**. Working capital on a 504 must open **13 CFR 120.120**. A loan number on 2026-10-15 must open **SOP 50 10 8.1**.
+- Investor real estate → **13 CFR 120.131**
+- Working capital on a 504 → **13 CFR 120.120**
+- Loan number on 2026-10-15 → **SOP 50 10 8.1**
 
-## Who it is for
+Holdout n=12: Trace **12/12**. Weights alone 6/12. Same grader. `verified: false`.
 
-CDC, CDFI, and 7(a) lender staff. A professional pastes a matter. Trace drafts from the official lake. A human signs.
-
-## What it is not
-
-A consumer eligibility chatbot. A credit decision. An SBA system of record.
-
-## Evaluation
-
-Same code grader. `verified: false`.
-
-| | Holdout | Exam | False kill |
-|---|---|---|---|
-| Weights alone | 6/12 | 71/76 | 0 |
-| Trace (weights + dated lake + runner) | **12/12** | 76/76 | 0 |
-
-The product is Trace, not the adapter file by itself.
-
-## Weights
-
-LoRA on [`mlx-community/Qwen2.5-7B-Instruct-4bit`](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit) (`c26a38f6`). `adapters.safetensors` sha256 `a7ef52fe9c4881e3904343dca7f75ee9ba01132d35de26bac424d3470a7f671b`.
+---
 
-License `other`: Qwen (Tongyi Qianwen) + U.S. government SOP/CFR as retrieved context + AmPac runner. Official text was not a pretraining target.
+LoRA on [Qwen2.5-7B-Instruct-4bit](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit). Official SOP/CFR is retrieved, not trained in. License `other` (Qwen + U.S. government works + runner).