alpha card: occupancy first, drop 12/12 scoreboard

README.md

@@ -10,73 +10,44 @@ tags:
   - lora
   - mlx
 pipeline_tag: text-generation
-model-index:
-- name: Trace
-  results:
-  - task:
-      type: text-generation
-      name: ScreenBench
-    dataset:
-      type: screenbench
-      name: ScreenBench holdout
-      split: holdout
-    metrics:
-    - type: hard_stop_all_pass
-      value: 1.0
-      name: Trace all-pass
-      verified: false
-    - type: false_kill_rate
-      value: 0.0
-      name: False kill
-      verified: false
 ---
 
-# Trace
+# Trace (alpha)
 
 **Occupancy opens 13 CFR 120.131.**
 
-Trace is a small open-source 504/7(a) screening model for CDFIs and lenders. Ask it a file. It returns the SOP or CFR paragraph in force on the loan-number date, a hard-stop or bounce, and a board you can check. A human certifies eligibility and credit.
+Trace is an **alpha** open-source 504/7(a) screening model for CDFIs, CDCs, and lenders. Paste a file sketch. It returns the SOP or CFR paragraph in force on the loan-number date, a draft hard-stop or bounce, and a board an officer can check.
 
-Not an SBA product. Does not speak for SBA. Does not determine eligibility. Does not decide credit. Not for applicants.
+A designated officer still certifies eligibility and credit. Trace does not approve a loan. Trace does not deny credit. Trace does not determine eligibility. Trace does not speak for SBA. Not an SBA product. Not for applicants. Outputs are drafts.
 
-## ScreenBench
+This is early. The unit is **weights + dated public lake + runner**. A naked adapter without the lake and TRACE is not Trace.
 
-Same 12 files. Same grader. `verified: false`. Frontier seats are naked JSON. Trace is the product seat.
+## What you get
 
-![Frontier vs Trace](compare.png)
+1. **Open this** — the paragraph in force on `as_of` (the SBA loan-number date).
+2. **Draft hard-stop or bounce** — occupancy, ineligible type, working capital on a 504, packaging gaps.
+3. **Board** — clock through franchise, so a human can check the work.
 
-![Who opens which kill](families.png)
+If it cannot open a paragraph, it is not a screen.
 
-| Seat | All-pass | False kill | SOP clock |
-|---|---|---|---|
-| Qwen 2.5 7B | 0.00 | 0 | 1.00 |
-| gpt-oss 20B | 0.00 | 0.08 | 1.00 |
-| Gemma 4 31B | 0.00 | 0 | 1.00 |
-| Claude | 0.08 | 0.08 | 0.75 |
-| Codex | 0.25 | 0.08 | 0.50 |
-| Grok | 0.08 | 0.08 | 0.83 |
-| **Trace** | **1.00** | **0** | **1.00** |
+```bash
+python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
+```
 
-Claude 1/12 (owner-user-pass). Grok 1/12 (occupancy). Codex 3/12 (occupancy, affiliation, owner-user-pass). Trace 12/12 product seat. Naked adapter 0.50. v0 bar 0.85. No seat except Trace clears. `verified: false`. Identification, not a partnership.
+That must open [13 CFR 120.131](https://www.ecfr.gov/current/title-13/section-120.131). Payroll on a 504 must open [13 CFR 120.120](https://www.ecfr.gov/current/title-13/section-120.120).
 
 ## SOP in force
 
-The loan-number date picks the SOP. SOP 50 10 8.1 does not leak onto a January 2026 file.
+The loan-number date picks the SOP. SOP 50 10 8.1 does not leak onto a January 2026 file. Clock is code. The SOP body is retrieved, not memorized.
 
 ![SOP clock](clock.png)
 
-![SOP 8.1 leak](clock-leak.png)
-
-Claude put SOP 50 10 8.1 on 3 of 11 files numbered before 2026-10-01. Codex 6 of 11. Grok 2 of 11. Trace 0 of 11. Clock is code.
-
 | Loan-number date | SOP | Official |
 |---|---|---|
 | through 2025-05-31 | SOP 50 10 7.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2023-10/SOP%2050%2010%207.1%20effective%2011.15.23.docx) |
 | 2025-06-01 to 2026-09-30 | SOP 50 10 8 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx) |
 | on or after 2026-10-01 | SOP 50 10 8.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · [docx](https://legacy.sba.gov/sites/default/files/2026-08/SOP%2050%2010%208.1%20effective%2010.1.2026_0.docx) · [notice](https://www.sba.gov/document/information-notice-5000-880695-issuance-sop-50-10-81) |
 
-Clock is code. The SOP body is retrieved, not memorized.
-
 ## What must open
 
 | Sketch | Must open | Official |
@@ -86,11 +57,11 @@ Clock is code. The SOP body is retrieved, not memorized.
 | Size (NAICS + receipts) | 13 CFR 121.201 | [eCFR](https://www.ecfr.gov/current/title-13/section-121.201) · [size table](https://www.sba.gov/document/support-table-size-standards) |
 | Loan numbered on or after 2026-10-01 | SOP 50 10 8.1 | [SBA SOP 50 10](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) |
 
-No cite → not a screen.
+## Dated lake
 
-## Official sources Trace retrieves
+Public U.S. government works. Snapshots on disk. **Retrieved context, not a continued-pretraining dump.** Direct file links use `legacy.sba.gov` because SBA `www` file paths 404.
 
-Public U.S. government works. Dated snapshots. **Retrieved context, not a continued-pretraining dump.** Direct file links use `legacy.sba.gov` because SBA's `www` file paths 404.
+23 official sources. Size and franchise are **lookups**, not RAG.
 
 | Source | In force | Official |
 |---|---|---|
@@ -102,46 +73,28 @@ Public U.S. government works. Dated snapshots. **Retrieved context, not a contin
 | SOP 50 55 (504 servicing) | 2013-10-01 | [page](https://www.sba.gov/document/sop-50-55-504-loan-servicing-liquidation) · [pdf](https://legacy.sba.gov/sites/default/files/2022-07/SOP_50_55_9-4-13_1.pdf) |
 | SOP 50 57 (7(a) servicing) | 2025-11-01 | [page](https://www.sba.gov/document/sop-50-57-7a-loan-servicing-liquidation) · [pdf](https://legacy.sba.gov/sites/default/files/2025-09/FINAL%20SOP%205057%204%20version.pdf) |
 | PN 5000-876441 citizenship | 2026-03-01 | [pdf](https://legacy.sba.gov/sites/default/files/2026-02/Policy%20Notice%205000-876441%20-%20Update%20to%20Citizenship%20and%20Residency%20Requirements%20and%20Recission%20of%20PN%2050000-872050.pdf) |
-| IN 5000-868665 (issues SOP 8) | 2025-05-29 | [pdf](https://legacy.sba.gov/sites/default/files/2025-05/SBA%20Information%20Notice%205000-868665_0.pdf) |
-| IN 5000-880695 (issues SOP 8.1) | 2026-08-14 | [page](https://www.sba.gov/document/information-notice-5000-880695-issuance-sop-50-10-81) · [pdf](https://legacy.sba.gov/sites/default/files/2026-08/SBA%20Information%20Notice%205000-880695%20-%20Issuance%20of%20SOP%2050%2010%208.1.pdf) |
-| Size standards table | 2023-03-17 | [page](https://www.sba.gov/document/support-table-size-standards) · [xlsx](https://data.sba.gov/sites/default/files/distribution/SBA-GCBD-2014-08-001/sba-table-of-size-standards_effective-march-17-2023_v0.xlsx) |
-| Franchise directory | 2026-08-20 | [page](https://www.sba.gov/document/support-sba-franchise-directory) · [xlsx](https://legacy.sba.gov/sites/default/files/2026-08/Franchise%20Directory%20Aug%2020-2026-REM01.xlsx) |
-
-Lake on disk: 23 official sources, 4,775 chunks. Size and franchise are **lookups**, not 978 RAG chunks.
-
-## Three columns. Never averaged.
+| Size standards table | 2023-03-17 | [page](https://www.sba.gov/document/support-table-size-standards) |
+| Franchise directory | 2026-08-20 | [page](https://www.sba.gov/document/support-sba-franchise-directory) |
 
-![Tools / retrieve / Trace](columns.png)
+Facts that move (SOP revs, notices) stay in the lake. If a fact lives only in the weights and the SOP changes, the model lies with confidence.
 
-Weights learn **how to screen**. Facts that move (SOP revs, notices) stay in the dated lake. If it is only in the weights and the SOP changes, the model lies with confidence.
+## How to run
 
-## exam-v1 (not the Hub gate)
-
-Same 76 files. Same grader. Frontier seats are naked JSON. Trace is the product seat. Holdout n=12 is the Hub number.
-
-![exam-v1 all-pass](exam-compare.png)
-
-![exam-v1 families](exam-families.png)
-
-| Seat | All-pass | False kill | SOP clock |
-|---|---|---|---|
-| Qwen 2.5 7B | 0.00 (0/76) | 0.12 | 0.00 |
-| Qwen + dated RAG | 0.16 (12/76) | 0.04 | 0.70 |
-| Qwen + RAG + tools | 0.20 (15/76) | 0.03 | 0.71 |
-| Claude | 0.34 (26/76) | 0.05 | 0.66 |
-| Codex | 0.25 (19/76) | 0 | 0.89 |
-| Grok | 0.34 (26/76) | 0.09 | 1.00 |
-| **Trace** | **0.97 (74/76)** | **0** | **1.00** |
-
-Codex occupancy 8/8; pass family 0/20. Grok size 7/8; occupancy 0/8. Claude SOP 8.1 leak on 26 files. Trace affiliation 6/8; every other family 8/8 or 20/20. No frontier clears v0 0.85. `verified: false`.
-
-## Quickstart
+The paragraph has to open **without** treating the adapter as a chatbot.
 
 ```bash
 python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
 ```
 
-That must open [13 CFR 120.131](https://www.ecfr.gov/current/title-13/section-120.131).
+MLX LoRA on Qwen2.5-7B-Instruct-4bit is optional and runs on Apple Silicon. Base: [mlx-community/Qwen2.5-7B-Instruct-4bit](https://huggingface.co/mlx-community/Qwen2.5-7B-Instruct-4bit).
+
+## Alpha limits
+
+- Does not determine eligibility.
+- Does not decide credit.
+- Does not speak for SBA. SBA does not approve or endorse Trace.
+- Do not give Trace to applicants. Do not show the draft to a borrower.
+- ScreenBench is an internal exam. It is not the product. `verified: false`.
 
 ## License