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Source Documents

All client documentation, skill definitions, interaction specs, and meeting transcripts. Every rule in the Interaction Rule Set links back to these sources.

A. Project Management

Document Directory

Master index of all Clarity Engine documents

Discovery Kickoff Agenda

Initial engagement kickoff structure

BIX Engagement Tracker

Project tracking and milestones

B. Product Requirements

Core product requirements, seven-layer engine, Nova directives, Always Approved

Architecture Overview

System architecture, agent model, deterministic vs generative boundary

VA-specific eligibility, entitlement, residual income, funding fee

VA and DSCR Program Guide

Detailed program rules for VA and DSCR families

C. Implementation Guides

Skill Integration Guide

Pipeline sequencing, gate logic, error handling, parallel windows

Skill Dependency Map

Dependency graph between skills

Math Implementation Guide

21 financial functions, rounding rules, lineage records

Math Test Battery (50 Vectors)

Test cases for all financial calculations

Data Dictionary

All entities, fields, constraints, ranking rules, optimization moves

D. Reference Materials

Skill Library Summary

Overview of all 15 skills and their responsibilities

Terms, abbreviations, and definitions

Sequenced Claude Workflow

Phase gates, validation steps, build process

Mortgage Math Worked Examples

Step-by-step calculation examples

Deal Science BIX Reference

BIX platform reference and deal science context

S. Skill Definitions (the "Math")

21 financial functions, rounding, precision rules

VA Module SKILL

VA eligibility, entitlement, residual income, funding fee

Borrower Profile SKILL

Data capture, normalization, credit tiers, goal weights

Program Router SKILL

5-gate routing, priority ordering, cost comparison

Constraint Detection SKILL

25 constraint types, severity levels, quick wins

Explanation SKILL (Nova)

Borrower/advisor/system output, jargon translation, forbidden patterns

Conventional SKILL

Conventional loan qualification rules

FHA loan qualification rules

Investment property DSCR qualification

Optimization SKILL

Goal weights, composite scoring, sensitivity analysis

Scenario Generation SKILL

Max 5 scenarios, 8 types, effort-impact scoring

Confidence scoring, tiebreakers, Safe/Optimal/Transformational

State-specific rules, lender overlays, confidence erosion

Audit Trace SKILL

Lineage records, hash anchoring, compliance outputs

Always Approved SKILL

4 tiers, capstone statement, "This path is clear"

PRDs and Design Briefs

CE PRD v4.0 Final

Full product requirements: stages, design principles, archetypes, DLH standards, compliance, scope

CE PRD (Sydney, Feb 2026)

Deliverables, priorities, P1-P4 roadmap with 44 deliverables and architecture principles

CE Refinance PRD v5

Comprehensive refinance PRD: EI architecture, magical moment, design language, user journey, tech stack

Purlend Design Brief (UI/UX)

Original design brief: 3 systems, phase approach, partnership structure, founder message

Give to Get Design Brief

David's brief: Known Gift, Sample Drop, Treasure Hunt, Unreasonable Hospitality. Golden path, drop catalog, Clarity Report, design missions.

Conversation Design Spec

Foundational disclosure, 4 approved Q&As, property reveal choreography, Magical Moment spec, early skeptic fallback

Discovery Alignment: BIX x Everett

Division of work, weekly milestones, Calm Confidence spec process

Knowledge Transfer + Data

Design Kickoff: Knowledge Transfer

Design adjectives, competitor refs, anti-refs, archetypes, Alex persona, pain points, vision roadmap, Digital Lending Highway

Dev Kickoff: Knowledge Transfer

Data partners, conversation logic (Three Exchange Rule), compliance boundaries, permitted/prohibited phrases, BIX team roster

Pricing tiers, billing Q&A, caching/licensing rules

Interaction Specs (Sydney / Notion)

Refinance Conversation 1: Interaction Spec

R0-R7 state machine, education modules, pacing rules, stage architecture

Interaction Spec

Purchase Conversation 1: Interaction Spec

P0-P7 state machine, strategy variables, exploration anchors

Interaction Spec

Five Core Reasons People Refinance

Intent classification: rate, payment, term, equity, structure

Interaction Spec

User and Intent Understanding

Behavioral archetypes, confusion/anxiety signals, response patterns

Interaction Spec

Review-Preview 03/10/26

Weekly status: MSA, staffing, tooling, open items

Meeting Transcripts

Canonical Transcript

David + Sydney: property reveal, scenarios, equity, trust mechanics

Home Ownership Transcript

Fundability vs affordability, the "mortgage box" gap, Sherpa concept

Mortgage Refinance Transcript (Chunked)

Five reasons people refinance, scenario logic

Mortgage Refinance Transcript (Full)

Complete refinance conversation recording

Team Meeting Transcripts (Week 1-2)

Daily standups: gamification, aesthetics, mobile-first, demographics