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README.md
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@@ -39,6 +39,24 @@ Trace is a small open-source 504/7(a) screening model for CDFIs and lenders. Ask
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Not an SBA product. Does not speak for SBA. Does not determine eligibility. Does not decide credit. Not for applicants.
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## SOP in force
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The loan-number date picks the SOP. SOP 50 10 8.1 does not leak onto a January 2026 file.
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| Seat | All-pass | False kill | SOP clock |
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| Qwen 2.5 7B | 0.00 | 0 | 1.00 |
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| gpt-oss 20B | 0.00 | 0.08 | 1.00 |
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| Gemma 4 31B | 0.00 | 0 | 1.00 |
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| Claude | 0.08 | 0.08 | 0.75 |
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| Codex | 0.25 | 0.08 | 0.50 |
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| Grok | 0.00 | 0 | — |
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| **Trace** | **1.00** | **0** | **1.00** |
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Grok CLI did not emit valid Screen JSON (0/12 parse). Codex 3/12: occupancy, affiliation-needs, owner-user-pass. Trace is weights + dated lake + runner. Naked adapter is 0.50. v0 bar 0.85. No seat except Trace clears.
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## Quickstart
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Not an SBA product. Does not speak for SBA. Does not determine eligibility. Does not decide credit. Not for applicants.
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## ScreenBench
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Same 12 files. Same grader. `verified: false`. Frontier seats are naked JSON. Trace is the product seat.
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| Seat | All-pass | False kill | SOP clock |
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|---|---|---|---|
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| Qwen 2.5 7B | 0.00 | 0 | 1.00 |
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| gpt-oss 20B | 0.00 | 0.08 | 1.00 |
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| Gemma 4 31B | 0.00 | 0 | 1.00 |
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| Claude | 0.08 | 0.08 | 0.75 |
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| Codex | 0.25 | 0.08 | 0.50 |
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| Grok | 0.00 | 0 | — |
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| **Trace** | **1.00** | **0** | **1.00** |
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Grok CLI did not emit valid Screen JSON (0/12 parse). Codex 3/12: occupancy, affiliation-needs, owner-user-pass. Trace is weights + dated lake + runner. Naked adapter is 0.50. v0 bar 0.85. No seat except Trace clears.
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## SOP in force
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The loan-number date picks the SOP. SOP 50 10 8.1 does not leak onto a January 2026 file.
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Exam-v1 n=76 is not the Hub gate. Product runner: 74/76.
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## Quickstart
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