AmPac
/

trace

@@ -16,86 +16,28 @@ pipeline_tag: text-generation
 **Occupancy opens 13 CFR 120.131.**
-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.
-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.
-This is early. The unit is **weights + dated public lake + runner**. A naked adapter without the lake and TRACE is not Trace.
-## What you get
-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.
-If it cannot open a paragraph, it is not a screen.
 ```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). 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. Clock is code. The SOP body is retrieved, not memorized.
 ![SOP clock](clock.png)
-| 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) |
-## What must open
-| Sketch | Must open | Official |
-|---|---|---|
-| Investor real estate, will not occupy | 13 CFR 120.131 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.131) |
-| Working capital / payroll on a 504 | 13 CFR 120.120 | [eCFR](https://www.ecfr.gov/current/title-13/section-120.120) |
-| 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) |
-## Dated lake
-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.
-23 official sources. Size and franchise are **lookups**, not RAG.
-| Source | In force | Official |
-|---|---|---|
-| 13 CFR Part 120 | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-120) |
-| 13 CFR Part 121 (size) | current eCFR | [ecfr.gov](https://www.ecfr.gov/current/title-13/chapter-I/part-121) |
-| SOP 50 10 8 | 2025-06-01 | [page](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) |
-| SOP 50 10 8.1 | 2026-10-01 | [page](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) |
-| SOP 50 10 7.1 | through 2025-05-31 | [page](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) |
-| 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) |
-| 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) |
-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.
-## How to run
-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"
-```
-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
-`other`. Qwen2.5 (Tongyi Qianwen) + U.S. government SOP/CFR as retrieved context + AmPac runner. Official text was not a continued-pretraining target. Live borrower files were not training data.

 **Occupancy opens 13 CFR 120.131.**
+504/7(a) screening for CDFIs and lenders. Paste a sketch. It opens the paragraph in force on the loan-number date. An officer still certifies. Not an SBA product. Not for applicants. Outputs are drafts.
+The unit is **weights + dated lake + runner**.
+![Occupancy 13 CFR 120.131](occupancy.png)
 ```bash
 python3 -m sba_screen --as-of 2026-01-15 --sketch "504 to buy apartments they will rent out and not occupy"
 ```
+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 clock](clock.png)
+![Dated lake](lake.png)
+SOP files: [sba.gov](https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs) · bodies on [legacy.sba.gov](https://legacy.sba.gov). Size table: 978 NAICS. Franchise directory: 3,316 brands. Lookups, not RAG.
+## Alpha
+Does not determine eligibility. Does not decide credit. Does not speak for SBA. `verified: false`.
 ## License
+`other`. Qwen2.5 (Tongyi Qianwen) + U.S. government SOP/CFR retrieved, not CPT. No live borrower files in train.