Real model card. Occupancy 120.131. Load LoRA. Naked 6/12 vs TRACE 12/12.

README.md

@@ -1,29 +1,62 @@
-# Trace (alpha)
+---
+language: en
+license: other
+library_name: mlx
+base_model: mlx-community/Qwen2.5-7B-Instruct-4bit
+tags:
+  - sba
+  - "504"
+  - "7a"
+  - lora
+  - mlx
+pipeline_tag: text-generation
+---
+
+# Trace
 
 **Occupancy opens 13 CFR 120.131.**
 
-504/7(a) screening for CDFIs and lenders. Talk like a processor. Paste ordinary English. Optional follow-up (“what if they occupy 100”). Trace re-runs and opens the SOP or CFR paragraph in force on the loan-number date.
+LoRA on Qwen2.5-7B-Instruct for 504/7(a) origination screening. Paste a file. It must open the SOP or CFR paragraph in force on the loan-number date. A designated officer still certifies eligibility and credit.
 
-A designated officer still certifies eligibility and credit. Not an SBA product. Not for applicants. Outputs are drafts. `verified: false`.
+Not an SBA product. Not for applicants. Outputs are drafts. `verified: false`.
 
-Live desk (code TRACE, no 7B): [huggingface.co/spaces/AmPac/trace](https://huggingface.co/spaces/AmPac/trace)
+Existing buy → [13 CFR 120.131](https://www.ecfr.gov/current/title-13/section-120.131) **(b)** 51%. New construction → **(a)** 60%. Working capital on a 504 → [13 CFR 120.120](https://www.ecfr.gov/current/title-13/section-120.120) **(b)**. Loan number on 2026-10-15 → **SOP 50 10 8.1**.
 
-![Same 12 files](compare.png)
+## Load
+
+These files are an MLX LoRA. They are not the staff runtime by themselves.
+
+```python
+from mlx_lm import load, generate
+model, tokenizer = load(
+    "mlx-community/Qwen2.5-7B-Instruct-4bit",
+    adapter_path="AmPac/trace",
+)
+```
+
+Staff path (TRACE binds the board, occupancy still 120.131):
 
 ```bash
 python3 -m sba_screen --talk --as-of 2026-01-15 --program 504
-# then: hey can we 504 this apartment they're just gonna rent out, no shop on site
-# then: what if they occupy 100 percent
 ```
 
-Must open [13 CFR 120.131](https://www.ecfr.gov/current/title-13/section-120.131) **(b)** on an existing buy. Working capital on a 504 must open [13 CFR 120.120](https://www.ecfr.gov/current/title-13/section-120.120) **(b)**. A loan number on 2026-10-15 must open **SOP 50 10 8.1**.
+## ScreenBench (holdout n=12)
+
+| Seat | All-pass | False-kill |
+|---|---|---|
+| Naked adapter (this repo) | 6/12 | 0 |
+| Complete system (lake + TRACE bind) | 12/12 | 0 |
+
+Do not quote 12/12 as a naked-7B number. Exam-v1 with bind is 76/76, fk 0.
+
+## Use
 
-The staff runtime is **code TRACE** (dated lake + board + talk follow-up). The LoRA files in this repo are not that runtime. Naked adapter holdout **6/12**. Complete system **12/12**, false-kill **0**. Do not load `adapters.safetensors` as a consult model.
+**Intended:** CDFI, CDC, and 7(a) lender staff drafts.
 
-## Alpha
+**Not:** applicants, credit decisions, SBA determinations, loading this adapter as a chatbot.
 
-Does not determine eligibility. Does not decide credit. Does not speak for SBA. SBA does not approve or endorse Trace.
+SOP/CFR is **retrieved**. It was not continued-pretraining.
 
 ## License
 
-`other`. Qwen2.5 (Tongyi Qianwen) + U.S. government SOP/CFR **retrieved**, not CPT. No live borrower files in train.
+`other`. Qwen2.5 (Tongyi Qianwen) + U.S. government SOP/CFR + screening code in the AmPac repo. No live borrower files in train.