{ "version": "1.8.0", "slug": "ccrc-continuing-care-disclosure-actuarial-readiness-desk", "title": "LifePlanClear — CCRC Continuing-Care Disclosure & Actuarial-Readiness Desk", "vertical": "CCRC continuing-care disclosure & actuarial-readiness compliance", "seed": { "s": "ccrc-continuing-care-disclosure-actuarial-readiness-desk", "t": "LifePlanClear — CCRC Continuing-Care Disclosure & Actuarial-Readiness Desk", "v": "CCRC continuing-care disclosure & actuarial-readiness compliance", "r": "Medium-high", "m": "M" }, "product": { "slug": "firm-overdue-invoice-invoice-recovery-desk", "project_name": "LifePlanClear", "project_type": "flat-fee continuing-care disclosure statement production and actuarial-readiness compliance service", "vertical": "CCRC operations / independent firm back-office finance", "audience": "independent and small-group nonprofit or for-profit CCRC/Life Plan Community executive directors, CFOs, and board treasurers, single-campus to 2-4 campuses, no in-house actuary or securities-disclosure counsel", "geography": "United States (state-regulated CCRC operations), no single-state beachhead required — outreach concentrated in dense independent-firm states (TX, FL, GA, OH, PA, IL)", "scale_expectation": "pilot cohort of the first 3-8 CCRC communities in the first 90 days; steady-state annual filing subscription across 38 regulating states, no hard external deadline beyond each community's own state filing cadence", "core_workflows": [ "Financial/census/fee-schedule data intake & completeness check", "Data extraction, normalization & disclosure-statement drafting in state-specific format", "Actuarial-readiness workpaper assembly & pre-modeling", "Compliance Reviewer completeness check & credentialed-actuary sign-off coordination" ], "discovery": { "one_line_purpose": "On LifePlanClear, independent CCRC operators stop guessing whether their reserves are adequate and start getting a filed-ready, actuary-reviewed disclosure statement every cycle. Financial statements, resident census, and fee schedules are extracted and normalized at intake, the disclosure statement is drafted in the operator's exact state format, a Compliance Reviewer checks it for completeness, and a credentialed actuary signs the ASOP No. 3 opinion.", "primary_users": [ "CCRC executive director or CFO (communities under roughly $2M in annual revenue)", "CCRC operations/finance manager (larger or multi-campus operators)", "credentialed actuary (FSA/MAAA) engaged to review workpapers and sign the opinion" ], "jobs_to_be_done": [ "Get a complete, current, state-formatted disclosure statement without hiring an actuary or securities-disclosure counsel onto staff", "Answer a board or auditor's reserve-adequacy question with a credentialed actuary's signed opinion, not a guess", "Track and meet a completely different filing format and deadline in every state a multi-campus operator serves" ], "value_prop": "LifePlanClear turns an operator's scattered financial statements, resident census data, and fee schedules into a filed-ready, actuary-reviewed continuing-care disclosure statement and actuarial-readiness workpaper package — defensible to a State Regulator, an auditor, or a bond-covenant reviewer, with the operator always the party of record on the filing.", "competitors": [ "Specialist CCRC actuarial firms (e.g., A.V. Powell & Associates) that sell the actuarial-soundness piece alone, without disclosure-statement production", "myLifeSite and CARF-CCAC, which provide information and voluntary accreditation but do not file state disclosure statements on an operator's behalf", "Generalist CCRC bookkeeping/consulting firms doing materially similar work by hand, capacity-capped, without AI leverage", "The status quo: rebuilding the disclosure statement from a stale prior-year template with no current actuarial-readiness check" ], "differentiation": "Done-for-you disclosure-statement production and actuarial-readiness workpaper prep, not a tool to operate: AI-native, always-current, all-38-state regulatory tracking combined with the full disclosure-statement production workflow and a coordinated credentialed actuary's sign-off in one done-for-you service, at flat pricing sized for the ~1,700+ independent operators the existing actuarial-only vendors are not structured to serve efficiently.", "positioning_statement": "For independent CCRC operators who have never had to produce a disclosure statement or actuarial study before, LifePlanClear is the done-for-you continuing-care disclosure and actuarial-readiness desk that turns raw financial, census, and fee-schedule data into one filed-ready, actuary-reviewed package — unlike a generalist actuarial firm that handles only the actuarial piece, or a template the operator must interpret and file alone." }, "assumptions": [ { "id": "firm-overdue-invoice-invoice-recovery-desk-a1", "statement": "Firm principals will pay for a done-for-you recovery outcome over continuing to book census & fee-schedule extract totals unverified, once shown a concrete Invoice Leakage Scan finding.", "confidence": "medium", "impact_if_wrong": "severe", "revisit_trigger": "First 10 pilot Invoice Leakage Scan sales conversations — reject the wedge if willingness-to-pay signal is absent." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-a2", "statement": "A recovery cycle can hit the 5-business-day (10 at pilot) delivery SLA from firm-supplied financial & resident-management system (FRMS) export and resident census & fee-schedule extracts alone, without firm-side software integration.", "confidence": "medium", "impact_if_wrong": "high", "revisit_trigger": "First 3-6 pilot Invoice Leakage Scans." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-a3", "statement": "Firms tolerate AI-assisted census & fee-schedule extract parsing and discrepancy drafting when an CCRC compliance reviewer's approval and signature are explicit on every Disclosure Statement.", "confidence": "medium", "impact_if_wrong": "high", "revisit_trigger": "First account owner-payout dispute resolved off a LifePlanClear ledger." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-a4", "statement": "Scan-to-desk conversion reaches at least 25-40% among qualified, warm-led firms.", "confidence": "low", "impact_if_wrong": "severe", "revisit_trigger": "Day-90 pilot-cohort conversion measurement (explicit kill/pivot gate at 25%)." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-a5", "statement": "Logical, row-level tenant isolation (not single-tenant infrastructure per client) is acceptable to the pilot cohort.", "confidence": "medium", "impact_if_wrong": "high", "revisit_trigger": "Any prospect (e.g. a multi-firm network) with a hard single-tenant compliance clause." } ], "unknowns": [ { "id": "firm-overdue-invoice-invoice-recovery-desk-u1", "question": "Which specific CCRC compliance reviewer signs off on the first cohort's Disclosure Statements?", "blocks": "Any commercial engagement; the reviewer signature invariant.", "resolution_path": "Named reviewer + engagement letter on file before the first paid scan." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-u2", "question": "What is the true scan-to-desk conversion rate among warm, qualified leads?", "blocks": "Pricing hypothesis; scaling decision.", "resolution_path": "10-firm pilot cohort with explicit pricing conversation, measured against the Day-90 checkpoint (25% kill gate, 40% target)." }, { "id": "firm-overdue-invoice-invoice-recovery-desk-u3", "question": "How much does per-state regulator parser coverage actually reduce review minutes by day 90?", "blocks": "Unit-economics model; throughput assumptions.", "resolution_path": "Instrument reviewer minutes per cycle from pilot 1; compare to the 3.8h-launch to 1.9h-day-90 target." } ], "expert_panel": [ { "role": "Product Strategy", "key_concern": "Is the Invoice Leakage Scan narrow enough to sell in weeks without a custom integration?", "recommendation": "Launch scoped to a 3-month census & fee-schedule extract lookback against a single financial & resident-management system (FRMS) export; expand scope only after the pilot converts.", "dissent": "May understate the recurring-revenue story to early prospects expecting an always-on dashboard." }, { "role": "Software Architecture", "key_concern": "Are we defaulting to a client-facing portal the pilot doesn't need yet?", "recommendation": "Single deployable modular monolith; upload-link/email intake only at launch, no client portal.", "dissent": "May read as under-built to a referral partner expecting a branded dashboard." }, { "role": "Frontend / UX", "key_concern": "Is the evidence chain (census & fee-schedule extract line to financial & resident-management system (FRMS) invoice to reviewer approval) visible in every reviewer-facing view?", "recommendation": "Every Actuarial Workpaper Package line renders its census & fee-schedule extract citation, matched invoice, and reviewer decision in one glance.", "dissent": "Adds density a non-CCRC reviewer might call cluttered." }, { "role": "Backend / Data", "key_concern": "Is the audit trail append-only and reconstructable for a account owner dispute or diligence request years later?", "recommendation": "Event-sourced audit log for every recovery-cycle state transition; hash-chained artifact snapshots.", "dissent": "More write-path complexity than plain CRUD; requires schema discipline as state regulator formats evolve." }, { "role": "AI / ML", "key_concern": "Are discrepancy classifications grounded in the invoice schedule and never a free-form guess?", "recommendation": "Retrieval-first classification citing the specific invoice-schedule line; deterministic money math in code, never the model; mandatory reviewer gate before any client- or state regulator-facing claim.", "dissent": "Slower per-cycle than a fully automated tool; may frustrate a prospect expecting instant results." }, { "role": "Security", "key_concern": "Is one firm's financial and invoice data isolated from every other firm's?", "recommendation": "Row-level auth, per-tenant retrieval indices, log-scrubbing of financial figures.", "dissent": "None recorded this run." } ], "strategy": { "business_model": "Flat monthly Disclosure Desk fee (tiered by census & fee-schedule extract volume) plus a one-time Invoice Leakage Scan wedge and an optional capped recovery-share rider; never hourly, contingency-only pricing rejected as the primary model pending state-by-state counsel review", "revenue_streams": [ "Invoice Leakage Scan (one-time wedge)", "Disclosure Desk — Core / Plus / Pro (recurring)", "Recovery-share rider (optional, capped)", "Diligence Tie-Out (event-driven, firm M&A season)" ], "moat": [ "Per-state regulator parser library and state regulator-quirk knowledge, compounding with every client", "Persistent, tracked state regulator-chase relationships and response-time data", "Named CCRC compliance reviewer's signed accountability on every ledger", "financial & resident-management system (FRMS)-agnostic integration surface (financial & resident-management system (FRMS) exports, QuickBooks postings, account owner splits)" ], "gtm": [ "Founder-led educational content + anonymized Invoice Leakage Scan teardowns", "State Big \"I\"/PIA association webinars and firm-network member-benefit pilots", "financial & resident-management system (FRMS) user-community how-to content + CPA/bookkeeper referral partnerships" ], "pricing_hypothesis": "Scan $495 (free for first 10 pilots); Disclosure Desk $600-$2,500/mo by volume tier — priced under enterprise BPO/SaaS ACVs and under a loaded invoice-specialist hire, validated against 10+ pricing conversations before scaling spend.", "kill_criteria": [ "No signed pilot firm in 4 weeks of qualified outreach", "Reviewer median cycle time exceeds 115 minutes/client after pilot 5", "No paid standard-price conversion by Day 90", "A released Disclosure Statement or state regulator inquiry causes a documented, LifePlanClear-caused reputational or client-relationship incident" ] }, "security": { "stride": [ { "threat": "Spoofing", "scenario": "Attacker impersonates an CCRC compliance reviewer to approve a fabricated discrepancy or sign a Disclosure Statement.", "mitigation": "SSO with MFA; reviewer signatures bound to a cryptographic session claim, not a form field." }, { "threat": "Tampering", "scenario": "Historical census & fee-schedule extract or ledger entries edited after the fact to hide a bad match.", "mitigation": "Append-only audit log; hash-chained artifact snapshots; diff view on every reviewer surface." }, { "threat": "Repudiation", "scenario": "Reviewer denies approving a discrepancy or signing a ledger that later proves wrong.", "mitigation": "Signed attestations with server-side timestamp + reviewer identity; export bundle includes signature manifest." }, { "threat": "Information Disclosure", "scenario": "Cross-tenant leak of one firm's invoice/invoice data through shared indices, logs, or prompts.", "mitigation": "Tenant-scoped row-level auth; PII/financial-data scrubbing in logs; retrieval indices partitioned per firm." }, { "threat": "Denial of Service", "scenario": "A runaway extraction job or bulk export exhausts shared workers during a month-end delivery crunch.", "mitigation": "Per-tenant concurrency + budget caps; circuit breaker on model calls; degrade-gracefully queue." }, { "threat": "Elevation of Privilege", "scenario": "A standard operator acquires reviewer-approval or state regulator-inquiry-send capability via a workflow shortcut.", "mitigation": "Roles stored in a separate table; capability checks server-side; no client-only role checks." } ], "privacy_posture": "Data-minimization by default; per-firm isolation; data-processing terms on file; deletion-schedule runbook published.", "compliance_targets": [ "GLBA-adjacent nonpublic-personal-information handling program", "SOC 2 Type I (year 2 roadmap)", "Account owner-licensing boundary + collection-agency-statute review per state before scaling", "State Regulator-portal terms-of-service log for any automated census & fee-schedule extract pull" ], "data_classifications": [ "Firm invoice/invoice client portfolio (sensitive business data)", "resident census & fee-schedule extracts (sensitive, third-party-sourced)", "Account owner split sheets / payout data (sensitive, HR-adjacent)", "Contact/PII (standard)" ] }, "devops": { "ci_cd": "PR -> typecheck + unit + snapshot tests -> preview deploy -> main auto-deploys to a single production region; migrations gated on review.", "environments": [ "local", "preview (per-PR)", "staging (shared)", "production (single region + multi-AZ)" ], "observability": [ "Structured logs with tenant + request IDs", "RED metrics per workflow", "Error tracking with source maps", "Model-call spans with cost + latency", "Weekly SLO review, with a month-end delivery-crunch capacity review" ], "testing_pyramid": [ "Unit tests on matching-derivation and tie-out validation modules", "Component tests on reviewer exception-queue surfaces", "Contract tests on state regulator-census & fee-schedule extract-schema parsers", "End-to-end smoke test on the intake -> match -> reviewer-signoff -> delivery path" ], "accessibility_tests": [ "axe-core in CI on reviewer-facing surfaces", "Keyboard-only walkthrough per workflow", "Prefers-reduced-motion honored" ], "performance_budget": "p95 workflow latency published per module; census & fee-schedule extract-extraction cold-path under 30s or shown as a background job." }, "accessibility_i18n_ethics": { "wcag_target": "AA", "locales": [ "en-US" ], "rtl_support": false, "ethical_risks": [ "A discrepancy or recovered-dollar claim released without reviewer approval", "State Regulator-inquiry language read as a demand or collection threat rather than an inquiry", "An error in a account owner payout census & fee-schedule extract attributed to AI rather than owned by the reviewer" ], "ethical_guardrails": [ "Human CCRC compliance reviewer approval required before any discrepancy or state regulator inquiry ships", "Deterministic output filter blocks demand/collection-style language in every drafted state regulator inquiry", "AI-usage disclosure available in the engagement letter where relevant" ] }, "governance": { "ownership": [ { "area": "Product + roadmap", "owner": "Executive Sponsor" }, { "area": "Architecture + platform", "owner": "Engineering Lead" }, { "area": "Recovery + reviewer workflow", "owner": "Named CCRC compliance reviewer" }, { "area": "Compliance + privacy", "owner": "Compliance Lead" }, { "area": "Design system", "owner": "Design Lead" }, { "area": "SEO + content", "owner": "Content Lead" } ], "docs_required": [ "ADR log (checked in)", "Owner-action ledger", "Evidence register", "STRIDE threat model", "Runbook: incident, restore, breach notification", "Reviewer playbook + signature invoice" ], "naming_conventions": [ "kebab-case slugs for blueprints and routes", "camelCase for TypeScript identifiers", "SCREAMING_SNAKE_CASE for environment variables", "Verb-first action names (e.g., generate-recovery-pack)" ], "change_control": "ADR-per-major-decision; migrations require review; production deploys gated on green CI + owner-action ledger check." }, "risk_register": [ { "id": "firm-overdue-invoice-invoice-recovery-desk-r1", "risk": "A state regulator-facing claim proves incorrect", "likelihood": "medium", "impact": "severe", "mitigation": "Every discrepancy claim linked to a cited invoice-schedule version + reviewer signoff", "contingency": "Retraction workflow; firm-notification template; audit-log export within 24 hours", "owner": "legal" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-r2", "risk": "AI hallucination in a delivered discrepancy line or state regulator inquiry", "likelihood": "medium", "impact": "high", "mitigation": "Retrieval-first pipeline + structured output validation + reviewer gate", "contingency": "Reviewer-triggered rollback + regeneration; incident postmortem published to the firm", "owner": "engineering" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-r3", "risk": "Cross-tenant firm financial data leak", "likelihood": "low", "impact": "severe", "mitigation": "Row-level auth + per-tenant retrieval indices + log-scrubbing", "contingency": "Breach-notification runbook; forced credential rotation; scoped tenant kill switch", "owner": "engineering" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-r4", "risk": "Pilot firm churns before converting to a paid desk", "likelihood": "medium", "impact": "high", "mitigation": "Weekly working-session cadence during pilot; documented value moments; owner-action ledger", "contingency": "Structured exit interview; write learnings into ICP + pricing hypothesis", "owner": "owner" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-r5", "risk": "An financial & resident-management system (FRMS) vendor ships free, good-enough recovery with a chase workflow", "likelihood": "medium-high", "impact": "high", "mitigation": "financial & resident-management system (FRMS)-agnostic positioning; recovery/chase as the human moat software won't replicate", "contingency": "Reposition as \"we operate whatever financial & resident-management system (FRMS) tool exists\"; lean harder into the Diligence Tie-Out line", "owner": "owner" } ], "roadmap": [ { "phase": "Phase 0 — Discovery + pilot LOI", "weeks": "Weeks 1-2", "outcomes": [ "3-5 pilot firm LOIs", "Evidence pack from each pilot firm", "Written ICP + pricing hypothesis" ], "exit_criteria": [ "≥3 LOIs signed", "Owner-action ledger populated per firm", "Reviewer identity confirmed" ], "kill_criteria": [ "<2 LOIs after 2 weeks", "No willingness-to-pay signal above pilot price" ] }, { "phase": "Phase 1 — Thin vertical slice", "weeks": "Weeks 3-4", "outcomes": [ "Intake -> match -> reviewer signoff -> delivery working end-to-end for one financial & resident-management system (FRMS) format", "Audit trail wired", "Instrumentation live" ], "exit_criteria": [ "1 real Invoice Leakage Scan delivered + reviewer-signed", "p95 workflow latency published" ], "kill_criteria": [ "Reviewer signoff cycle >10 business days", "Evidence bundle cannot be reconstructed on demand" ] }, { "phase": "Phase 2 — Pilot cohort", "weeks": "Weeks 3-8", "outcomes": [ "10 pilot firms scanned", "First standard-price desk conversion", "SOC 2 Type I scoping" ], "exit_criteria": [ "≥1 standard-price contract", "Post-scan debrief trust signal captured", "Postmortem cadence in place" ], "kill_criteria": [ "No standard-price conversion by Day 90", "Scan-to-desk conversion below 25%" ] }, { "phase": "Phase 3 — Recurring-desk scale-up", "weeks": "Weeks 9-13 (Day 90 checkpoint)", "outcomes": [ "Public commercial launch of the microsite as 'ready'", "Recovery-share rider and Diligence Tie-Out line active", "Owner-action ledger closed for launch" ], "exit_criteria": [ "COGS/rework/cycle-time measured against target", "Expansion beyond the pilot cohort gated on targets, not calendar time" ], "kill_criteria": [ "Rework rate persistently above 3%", "Reviewer minutes per client not falling with volume" ] } ], "metrics": { "north_star": "Signed Monthly Disclosure Packages delivered per week, per client, with zero client-caught material errors", "leading": [ "Pilot firm LOIs signed", "Scan-request-to-delivered-scan cycle time", "Reviewer signoff cycle time", "Evidence coverage per Actuarial Workpaper Package line", "Owner-action ledger closure rate" ], "lagging": [ "Paid standard-price desk contracts signed", "Scan-to-desk conversion (target ≥40%, pilot gate 25%)", "Client-caught material error rate (target <0.5%)", "Logo retention (target ≥85% annualized)" ], "guardrails": [ "Model spend per tenant per week", "PII/financial data in logs (target: 0)", "Cross-tenant access attempts (target: 0)", "p95 workflow latency ceiling" ] }, "executive_review": { "consensus": "Ship a thin, evidence-linked, reviewer-gated vertical slice for LifePlanClear, wedged on the Invoice Leakage Scan. Prefer a boring, single-region modular monolith. Do not launch commercially until owner-action facts close and at least one reviewer-signed Disclosure Statement has shipped.", "dissent": "Executive Sponsor and Privacy/Compliance disagree on launch tempo — Privacy recommends waiting for the full state-by-state collection-agency-statute review before enabling the recovery-share rider anywhere.", "go_no_go": "conditional-go", "top_3_risks": [ "A state regulator-facing claim proves incorrect", "AI hallucination in a delivered discrepancy line or state regulator inquiry", "Cross-tenant firm financial data leak" ], "first_10_steps": [ "Confirm the named CCRC compliance reviewer + engagement letter on file", "Populate owner-action ledger with entity, jurisdiction, contact inbox, privacy inbox", "Open pilot-cohort intake (cap 10) with explicit pricing conversation", "Write ICP + kill/pivot criteria in the plan file", "Stand up the evidence-linked intake -> match -> reviewer signoff loop", "Wire append-only audit log + hash-chained snapshots", "Add row-level auth + tenant-scoped retrieval indices", "Instrument scan-request, pack-delivery, and reviewer-signoff events", "Publish the microsite with FAQPage schema only and noindex until owner-facts close", "Schedule the Day-90 kill/pivot review with executive sponsor" ] } }, "project_site": { "slug": "ccrc-continuing-care-disclosure-actuarial-readiness-desk", "app_name": "LifePlanClear Disclosure Desk", "archetype": "recovery-disclosure desk", "archetype_label": "disclosure & actuarial-readiness compliance & disclosure desk", "reader_role": "Owner / ops lead of a small CCRC operator", "one_sentence_app": "LifePlanClear Disclosure Desk turns your census & fee-schedule extract into a human-approved, contingency-priced recovery run — scored per Account, sent under your brand, paid only on what lands.", "homepage_sequence": [ "scene", "workflow", "instrument", "offer", "proof", "qualification", "objections" ], "hero": { "frame_label": "CCRC operator back-office · disclosure & actuarial-readiness compliance & disclosure desk", "eyebrow": "Owner / overdue CCRC filing past 15 days", "interface_title": "LifePlanClear disclosure desk", "primary_panel_title": "Account INV-1042 · $9,200 · 62 days past due · AR Concierge", "primary_panel_body": "Score recovery probability, draft the firm-but-professional step-2 reminder under the Client’s brand, log the Promise-to-Pay, and route to the Compliance Reviewer for approval before anything sends.", "side_panel_title": "Before anything sends", "side_panel_items": [ "Every census & fee-schedule extract line matched or exception-coded", "Actuarial Workpaper Package reviewer-approved", "Disclosure Statement ties to census & fee-schedule extract totals to the penny" ], "status_metric": "REVIEW", "status_label": "Compliance Reviewer approval required" }, "language": { "problem_heading": "The CCRC executive director/CFO's moment", "mechanism_heading": "Inside the LifePlanClear disclosure desk", "proof_heading": "Why this survives a account owner dispute or a diligence read", "offer_heading": "What leaves the room", "objection_heading": "The hard questions", "qualification_heading": "Who should not use this", "cta_close": "Start a free Invoice Leakage Scan — reviewed and signed by a real CCRC compliance reviewer, chased under your own firm's name." }, "modules": [ { "name": "resident census & fee-schedule extract intake", "job": "Turns a forwarded or uploaded resident census & fee-schedule extract into a named recovery-cycle record with a completeness check against the state regulator engagement list.", "artifact": "intake record" }, { "name": "Disclosure Statement", "job": "Holds every census & fee-schedule extract line matched to an financial & resident-management system (FRMS) invoice, tied to the penny against state regulator-stated totals, signed by the reviewer.", "artifact": "recovery ledger" }, { "name": "Actuarial Workpaper Package", "job": "Packages every missing, short-paid, late, or chargeback line with its estimated dollar value and evidence into the record a account owner or acquirer can walk without a meeting.", "artifact": "release package" } ], "checkpoints": [ { "label": "census & fee-schedule extract line match", "pass": "matched with source citation", "fail": "routed to reviewer exception queue" }, { "label": "penny-perfect tie-out", "pass": "deterministic code, ledger balances to census & fee-schedule extract total", "fail": "blocked before release" }, { "label": "Disclosure Statement", "pass": "reviewer releases (second reviewer on high-value dockets)", "fail": "stays draft" } ], "signature_scene": "It’s the third unanswered reminder on a $9,200 invoice from a client you still want to keep. Instead of writing a fourth awkward email yourself, you forward the census & fee-schedule extract to LifePlanClear and a Compliance Reviewer takes the chase from here." }, "ddd": { "slug": "ccrc-continuing-care-disclosure-actuarial-readiness-desk", "project_name": "LifePlanClear", "business_understanding": { "summary": "LifePlanClear — a done-for-you, contingency-priced CCRC filing collections and AR disclosure desk for small US CCRC operators.", "customer_profile": "Owners/ops leads of small CCRC operators (5–75 employees) invoicing clients on Net 30/60/90 terms.", "customer_pain": "Overdue invoices, no AR function, dread of chasing clients personally, recovery odds decaying with age.", "paid_outcome": "Recovered Dollars on overdue Accounts, human-reviewed, on strict contingency — no collect, no fee.", "value_creation": "AI compresses census & fee-schedule extract extraction, invoice matching, and discrepancy-draft generation; deterministic code owns every tie-out, materiality threshold, and aging date; humans own reviewer approval, state regulator-chase judgment, and anything client- or state regulator-facing; the platform binds them with an append-only audit trail and per-firm isolation.", "why_ai_native": "AI makes the personalized, correctly-timed reminder cadence and per-Account recovery scoring economical; a human Compliance Reviewer owns every State Regulator-facing negotiation.", "operational_risks": [ "Reviewer bottleneck during a month-end delivery crunch across many clients at once", "Prompt injection via uploaded state regulator-census & fee-schedule extract document content", "Cross-firm retrieval leak", "Complete records unobtainable at scale (cycles stuck in evidence-gap status)", "A state regulator-facing inquiry read as a demand rather than a routine inquiry, damaging the client relationship" ], "assumptions": [ "Firm principals will pay for evidence-linked, human-reviewed recovery over continuing to book census & fee-schedule extract totals unverified.", "The workflow can be reconstructed from an firm-supplied financial & resident-management system (FRMS) export and resident census & fee-schedule extracts within the 5-business-day (10 at pilot) cycle-time target.", "The vertical tolerates AI-assisted drafts when reviewer approval is explicit and every state regulator-facing send is firm-authorized.", "Single-tenant infrastructure per customer is not required for the first cohort — logical isolation with row-level auth is acceptable.", "Demand persists as a recurring monthly need, not a one-time event — unlike a single-deadline filing business." ], "validation_questions": [ "Which specific CCRC compliance reviewer will sign off on the first cohort's ledgers?", "Which financial & resident-management system (FRMS) platforms and state regulator mixes are in scope for launch?", "What is the actual scan-to-desk conversion rate at pilot pricing vs. standard pricing?", "Which existing systems (financial & resident-management system (FRMS) exports, QuickBooks) must this integrate with day one?", "Is there a data-residency or on-prem constraint for any pilot firm's financial data?" ] }, "domain_discovery": { "actors": [ { "actor": "Firm Principal", "role": "Owns the firm's invoice-recovery engagement; supplies records and authorizes state regulator-inquiry sends", "goals": [ "Recover missing/short-paid invoices", "Avoid losing staff hours to census & fee-schedule extract matching", "Have a defensible ledger for account owners, CPA, and acquirers" ], "decisions": [ "Whether to engage LifePlanClear", "Which records to supply", "Whether to authorize state regulator inquiries and the recovery-share rider" ], "pain_points": [ "No time for line-item census & fee-schedule extract verification", "Doesn't know which of 40+ state regulator formats are shortchanging the firm" ] }, { "actor": "CCRC Compliance Reviewer", "role": "Reviews AI-matched census & fee-schedule extracts and drafted discrepancies; signs off before delivery or state regulator send", "goals": [ "Release only evidence-backed, penny-perfect ledgers", "Protect firm and state regulator relationships" ], "decisions": [ "Approve, escalate, or reject a discrepancy", "Sign or withhold the Disclosure Statement" ], "pain_points": [ "Volume spikes during month-end delivery windows", "Ambiguous fuzzy matches requiring judgment" ] }, { "actor": "Account owner", "role": "Receives payout census & fee-schedule extracts computed from verified data; may dispute a payout", "goals": [ "Get paid correctly and on time" ], "decisions": [ "Whether to escalate a payout dispute" ], "pain_points": [ "No census & fee-schedule extract-backed answer when a payout looks wrong" ] }, { "actor": "State Regulator Invoice Department (external)", "role": "Receives inquiries about missing/short-paid invoices", "goals": [ "Resolve inquiries without escalation" ], "decisions": [ "Confirm, correct, or dispute an inquiry" ], "pain_points": [ "High inquiry volume across many firms and formats" ] } ], "glossary": [ { "term": "Invoice Leakage Scan", "definition": "The one-time, $495 recovery of the last 3 months of resident census & fee-schedule extracts against the financial & resident-management system (FRMS) book.", "used_by": "Firm Principal", "context": "Recovery & Matching", "example": "Scan for Firm #AG-2291 across 34 state regulator engagements", "notes": "Never called 'audit', 'check', or 'review'." }, { "term": "Recovery cycle", "definition": "One calendar month's worth of census & fee-schedule extract collection, matching, and pack delivery for one client.", "used_by": "CCRC Compliance Reviewer", "context": "Recovery & Matching", "example": "The July recovery cycle for Firm #AG-2291", "notes": "The unit of recurring work." }, { "term": "Disclosure Statement", "definition": "The signed tie-out artifact: every census & fee-schedule extract line matched to a invoice, balanced to the penny.", "used_by": "CCRC Compliance Reviewer, Firm Principal", "context": "Recovery & Matching", "example": "July Disclosure Statement, 34 state regulators, ties to $128,410 in stated invoices", "notes": "Never called 'report' or 'census & fee-schedule extract'." }, { "term": "Actuarial Workpaper Package", "definition": "The list of missing, short-paid, late, or chargeback lines with dollar value and evidence.", "used_by": "CCRC Compliance Reviewer, Firm Principal", "context": "Recovery & Matching", "example": "3 short-paid lines, 1 missing renewal, est. $2,140", "notes": "Never called 'exceptions report'." } ], "decisions": [ { "decision": "Is this census & fee-schedule extract line a real discrepancy or a normal state regulator quirk (e.g. as-earned lag)?", "who": "AI drafts, Reviewer confirms", "inputs": [ "[PLACEHOLDER] owner to complete" ], "rule": "Classification thresholds per transaction type; state regulator-quirk map consulted before flagging", "output": "Discrepancy classification with evidence citation", "risk": "False discrepancy sent to a state regulator" }, { "decision": "Is the Disclosure Statement ready to sign?", "who": "Deterministic code gates, Reviewer signs", "inputs": "All census & fee-schedule extract lines matched or exception-coded, ledger tie-out to census & fee-schedule extract totals", "rule": "Penny-perfect rule: ledger must tie to census & fee-schedule extract totals before release", "output": "Signed Disclosure Statement", "risk": "Signed ledger with an unresolved tie-out gap" } ], "events": [ { "event": "CensusExtractNormalized", "meaning": "A resident census & fee-schedule extract is extracted and tied out, ready for matching", "trigger": "Extraction Agent completes parsing + tie-out check", "downstream": [ "[PLACEHOLDER] owner to complete" ] }, { "event": "DiscrepancyApproved", "meaning": "A flagged discrepancy is reviewer-confirmed and evidenced", "trigger": "CCRC Compliance Reviewer approves the classification", "downstream": "State Regulator inquiry drafted; docket line finalized" } ] }, "subdomains": [ { "name": "Recovery & Matching", "type": "core", "description": "Census extract normalization, financial & resident-management system (FRMS)-invoice matching, expected-invoice computation, and discrepancy classification.", "reason": "This is the paid outcome — the recoverd ledger and docket are what the firm is buying.", "business_value": "Direct revenue driver; every tier maps to a delivered Monthly Disclosure Package.", "recommendation": "Build in-house, deterministic-rules-first.", "ai_involvement": "Extraction, matching, discrepancy classification, drafting", "human_involvement": "Reviewer approval, ledger signature", "risks": [ "Missed cycle-delivery SLA", "Incomplete evidence causing a client-caught error" ], "validation_questions": [ "What is the real reviewer review time per cycle at volume?" ] }, { "name": "Recovery & Delivery", "type": "core", "description": "State Regulator-inquiry drafting/sending, aging/tracking, Monthly Disclosure Package assembly, recovery ledger.", "reason": "Differentiates LifePlanClear from a generic bookkeeping service — this is the chase-and-collect layer.", "business_value": "Drives conversion (free scan -> paid desk) and the recovery-share rider.", "recommendation": "Build in-house; maintain a per-state regulator contact/quirk map from day one.", "ai_involvement": "Drafts inquiries and recovery reports", "human_involvement": "Reviewer approves every outbound inquiry; escalation judgment", "risks": [ "Stalled recoveries with no tracked follow-up" ], "validation_questions": [ "How often do state regulators respond within the 60-day aging window?" ] }, { "name": "Evidence & Compliance", "type": "supporting", "description": "Audit trail, engagement-letter authorization, licensing-boundary enforcement.", "reason": "Necessary complement to recovery but not itself the differentiated value proposition.", "business_value": "Protects the licensing boundary and supports diligence/tie-out sales.", "recommendation": "Build thin; keep tightly scoped to documentation, never advice.", "ai_involvement": "Assembles audit exports", "human_involvement": "Compliance lead maintains state-by-state tracker", "risks": [ "Scope creep into unlicensed account owner or collection activity" ], "validation_questions": [ "Which states need counsel review before the recovery-share rider is offered?" ] }, { "name": "Referral & Outreach", "type": "generic", "description": "CRM, outbound sequencing, and content publishing.", "reason": "Not differentiating; off-the-shelf tools suffice at this stage.", "business_value": "Supports pipeline but not the core value proposition.", "recommendation": "Buy (lightweight CRM), do not build.", "ai_involvement": "Content drafting assistance", "human_involvement": "Founder-led outreach and content", "risks": [ "Low differentiation risk if under-invested" ], "validation_questions": [ "Which channel actually converts at the assumed rate?" ] } ], "core_domain_analysis": { "primary_core": "Recovery & Matching", "secondary_cores": [ "Recovery & Delivery" ], "supporting_may_become_core": [ "Evidence & Compliance" ], "generic_do_not_distract": [ "Referral & Outreach", "CRM/pipeline tracking" ], "rationale": "The paid outcome is a signed Disclosure Statement, so Recovery & Matching is the primary core. Recovery & Delivery is a secondary core because state regulator chase and tracked recovery is the human-plus-AI moat that differentiates LifePlanClear from software the firm has to operate itself. Evidence & Compliance could become core if the Diligence Tie-Out line grows into a larger revenue stream, but starts as supporting. Referral & Outreach uses off-the-shelf tooling deliberately to keep engineering focus on the recovery and recovery engine." }, "bounded_contexts": [ { "name": "Account Intake", "purpose": "Client onboarding, aged-receivables ingestion, invoice/terms/contact normalization, and the 100%-commercial-debt classification gate.", "subdomain": "Recovery & Matching (core)", "type": "core", "owned_language": [ "resident census & fee-schedule extract", "recovery cycle", "completeness check" ], "owns": [ "Census extract intake lifecycle", "Normalization state", "State Regulator engagement completeness" ], "does_not_own": [ "Matching decisions", "Reviewer signature" ], "primary_actors": [ "Firm Principal", "Extraction Agent" ], "entities": [ "CensusExtract", "RecoveryCycle" ], "value_objects": [ "ConfidenceScore", "CensusExtractTotal" ], "aggregates": [ "CensusExtractAggregate" ], "domain_services": [ "Census extract normalizer", "Completeness checker" ], "application_services": [ "ReceiveCensusExtract", "NormalizeCensusExtract", "CheckCompleteness" ], "commands": [ "ReceiveCensusExtract", "NormalizeCensusExtract" ], "domain_events": [ "census & fee-schedule extract.received", "census & fee-schedule extract.normalized", "census & fee-schedule extract.completeness_check_failed" ], "policies": [ "Auto-flag missing resident census & fee-schedule extract against the engagement list" ], "specifications": [ "CensusExtractTieOutSpec" ], "invariants": [ "A CensusExtract cannot be matched against until its line-item sum ties to its stated total" ], "ai_agents": [ "Extraction Agent" ], "human_roles": [ "Firm Principal" ], "data_owned": [ "CensusExtract", "RecoveryCycle" ], "inputs": [ "Uploaded/forwarded resident census & fee-schedule extracts", "State Regulator engagement list" ], "outputs": [ "Normalized canonical census & fee-schedule extract records" ], "external_integrations": [ "resident census & fee-schedule extract portals (authorized pull only)", "Monitored intake mailbox" ], "risks": [ "A malformed census & fee-schedule extract silently mis-tied", "Missing resident census & fee-schedule extract for the period goes unnoticed" ], "interfaces": [ "-> Recovery & Matching (CensusExtractNormalized)" ] }, { "name": "Sequence Drafting", "purpose": "The gold-standard sequence library, AI-drafted reminder content, and per-Client brand-voice/tone rules.", "subdomain": "Recovery & Matching (core)", "type": "core", "owned_language": [ "Disclosure Statement", "Actuarial Workpaper Package", "match", "discrepancy" ], "owns": [ "Matching engine", "Discrepancy classification", "Ledger tie-out" ], "does_not_own": [ "Reviewer identity", "Billing" ], "primary_actors": [ "CCRC Compliance Reviewer", "Matching Agent" ], "entities": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "value_objects": [ "ConfidenceScore", "DiscrepancyClassification" ], "aggregates": [ "RecoveryCycleAggregate", "DiscrepancyDocketAggregate", "InvoiceLedgerAggregate" ], "domain_services": [ "Matching engine", "Expected-invoice calculator" ], "application_services": [ "RunMatching", "ClassifyDiscrepancy", "ApproveDiscrepancy", "SignLedger" ], "commands": [ "RunMatching", "FlagDiscrepancy", "ApproveDiscrepancy", "SignLedger" ], "domain_events": [ "recovery_cycle.matching_completed", "discrepancy.flagged", "discrepancy.reviewer_approved", "invoice_ledger.signed" ], "policies": [ "Auto-route low-confidence matches to reviewer exception queue" ], "specifications": [ "PennyPerfectTieOutSpec", "EvidenceCitationSpec" ], "invariants": [ "A InvoiceLedger cannot be signed until it ties to census & fee-schedule extract totals to the penny", "No discrepancy reaches a client or state regulator without reviewer approval" ], "ai_agents": [ "Matching Agent", "Discrepancy Drafter Agent" ], "human_roles": [ "CCRC Compliance Reviewer" ], "data_owned": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "inputs": [ "Normalized census & fee-schedule extracts", "financial & resident-management system (FRMS) client portfolio export", "Invoice schedules" ], "outputs": [ "Signed Disclosure Statement", "Approved Actuarial Workpaper Package" ], "external_integrations": [ "Firm management system export (file-based, no live API)" ], "risks": [ "Wrong match causes a wrong ledger", "False discrepancy claim reaches a state regulator" ], "interfaces": [ "-> Recovery & Delivery (DiscrepancyApproved)" ] }, { "name": "Escalation Decisioning", "purpose": "Recovery-probability scoring, Escalation Tier recommendations, Promise-to-Pay tracking, and the human approval workflow.", "subdomain": "Recovery & Delivery (core)", "type": "core", "owned_language": [ "state regulator inquiry", "recovered dollars", "Monthly Disclosure Package" ], "owns": [ "Inquiry drafting/sending", "Aging tracker", "Pack assembly" ], "does_not_own": [ "Discrepancy classification (upstream)" ], "primary_actors": [ "CCRC Compliance Reviewer", "Inquiry Drafter Agent" ], "entities": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "value_objects": [ "AgingWindow", "RecoveredAmount" ], "aggregates": [ "RegulatorQueryAggregate" ], "domain_services": [ "Inquiry drafter", "Aging tracker", "Pack assembler" ], "application_services": [ "DraftRegulatorQuery", "SendRegulatorQuery", "ComputePayout", "AssemblePack", "DeliverPack" ], "commands": [ "DraftRegulatorQuery", "SendRegulatorQuery", "DeliverPack" ], "domain_events": [ "regulator_query.sent", "regulator_query.resolved", "recovery.logged", "pack.delivered", "aging.escalated_60d", "aging.escalated_90d" ], "policies": [ "Auto-escalate any inquiry unresolved past 60 days" ], "specifications": [ "InquiryAuthorizationSpec" ], "invariants": [ "A RegulatorQuery cannot be sent without reviewer approval and firm authorization on file", "A Account ownerPayoutCensusExtract is computed only from the firm-approved split sheet" ], "ai_agents": [ "Inquiry Drafter Agent" ], "human_roles": [ "CCRC Compliance Reviewer" ], "data_owned": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "inputs": [ "Approved Actuarial Workpaper Package", "Account owner split sheet" ], "outputs": [ "Sent state regulator inquiries", "Delivered Monthly Disclosure Package" ], "external_integrations": [ "State Regulator invoice-department mailboxes (firm-authorized sends only)" ], "risks": [ "State Regulator inquiry read as a demand rather than an inquiry", "Stalled recovery with no escalation" ], "interfaces": [ "-> Quality Assurance (PackReadyForSignoff)" ] }, { "name": "Placement Handoff", "purpose": "Documentation-package assembly, licensed collection-agency partner routing, and the partner attorney network handoff for Legal Referral.", "subdomain": "Recovery & Matching (core, QA slice)", "type": "core", "owned_language": [ "reviewer signoff", "retraction" ], "owns": [ "Signoff records", "Retraction workflow" ], "does_not_own": [ "Ledger drafting" ], "primary_actors": [ "CCRC Compliance Reviewer" ], "entities": [ "Signoff", "Retraction" ], "value_objects": [ "SignatureManifest", "RetractionReason" ], "aggregates": [ "SignoffAggregate", "RetractionAggregate" ], "domain_services": [ "Signature binder" ], "application_services": [ "ApproveArtifact", "RetractArtifact" ], "commands": [ "ApproveArtifact", "RetractArtifact" ], "domain_events": [ "invoice_ledger.signed", "pack.retracted" ], "policies": [ "A retraction requires senior-reviewer co-signature" ], "specifications": [ "SignoffValiditySpec" ], "invariants": [ "Signature bound to a live authenticated session, not a form field", "Signed artifacts are immutable" ], "ai_agents": [], "human_roles": [ "CCRC Compliance Reviewer", "Senior Reviewer" ], "data_owned": [ "Signoff", "Retraction" ], "inputs": [ "Draft ledger/pack ready for signoff" ], "outputs": [ "Signed artifact" ], "external_integrations": [], "risks": [ "Reviewer identity spoofing" ], "interfaces": [ "<- Recovery & Matching (SignLedger)", "<- Recovery & Delivery (PackReadyForSignoff)" ] } ], "context_map": [ { "upstream": "Intake & Normalization", "downstream": "Recovery & Matching", "relationship": "Customer-Supplier", "integration_pattern": "Domain event (CensusExtractNormalized) consumed by matching engine", "translation_notes": "Canonical census & fee-schedule extract schema is the shared contract; no direct database coupling.", "pattern": "Customer-Supplier", "contract_type": "domain event", "data_exchanged": [ "[PLACEHOLDER] owner to complete" ], "events_exchanged": [ "Domain event (CensusExtractNormalized) consumed by matching engine" ], "ownership_boundary": "Downstream never writes to upstream's tables", "acl_notes": "Anti-corruption translation not needed — shared canonical schema", "business_reason": "Keeps each context's invariants enforceable independently", "failure_risks": [ "[PLACEHOLDER] owner to complete" ] }, { "upstream": "Recovery & Matching", "downstream": "Recovery & Delivery", "relationship": "Customer-Supplier", "integration_pattern": "Domain event (DiscrepancyApproved) triggers inquiry drafting", "translation_notes": "Only reviewer-approved discrepancies cross the boundary.", "pattern": "Customer-Supplier", "contract_type": "domain event", "data_exchanged": "Canonical schema payload only", "events_exchanged": [ "Domain event (DiscrepancyApproved) triggers inquiry drafting" ], "ownership_boundary": "Downstream never writes to upstream's tables", "acl_notes": "Anti-corruption translation not needed — shared canonical schema", "business_reason": "Keeps each context's invariants enforceable independently", "failure_risks": "Downstream stalls if upstream event delivery fails" }, { "upstream": "Recovery & Matching", "downstream": "Quality Assurance", "relationship": "Conformist", "integration_pattern": "SignLedger command with synchronous validation", "translation_notes": "QA enforces the penny-perfect invariant; Recovery & Matching conforms to QA's signature contract.", "pattern": "Conformist", "contract_type": "domain event", "data_exchanged": "Canonical schema payload only", "events_exchanged": [ "SignLedger command with synchronous validation" ], "ownership_boundary": "Downstream never writes to upstream's tables", "acl_notes": "Anti-corruption translation not needed — shared canonical schema", "business_reason": "Keeps each context's invariants enforceable independently", "failure_risks": "Downstream stalls if upstream event delivery fails" }, { "upstream": "Recovery & Delivery", "downstream": "Quality Assurance", "relationship": "Conformist", "integration_pattern": "PackReadyForSignoff event", "translation_notes": "Pack cannot deliver without QA signoff.", "pattern": "Conformist", "contract_type": "domain event", "data_exchanged": "Canonical schema payload only", "events_exchanged": [ "PackReadyForSignoff event" ], "ownership_boundary": "Downstream never writes to upstream's tables", "acl_notes": "Anti-corruption translation not needed — shared canonical schema", "business_reason": "Keeps each context's invariants enforceable independently", "failure_risks": "Downstream stalls if upstream event delivery fails" } ], "external_integrations": [ { "system": "Firm management system (financial & resident-management system (FRMS)) export", "direction": "inbound", "pattern": "File-based export, no live API at launch", "risk": "Schema drift per financial & resident-management system (FRMS) version", "owner_context": "Recovery & Delivery", "data_in": [ "[PLACEHOLDER] owner to complete" ], "data_out": [ "[PLACEHOLDER] owner to complete" ], "trigger": "Recovery cycle start", "internal_model": "Canonical census & fee-schedule extract/ledger schema", "acl_strategy": "Per-state regulator parser translates external format to canonical schema", "failure_strategy": "Retry then manual fallback", "audit_need": "Every external call logged with timestamp and payload hash" }, { "system": "resident census & fee-schedule extract portals", "direction": "inbound", "pattern": "Firm-authorized credentialed pull or client-forwarded file", "risk": "Portal ToS friction; credential expiry", "owner_context": "Intake & Normalization", "data_in": "resident census & fee-schedule extract content", "data_out": "N/A", "trigger": "Recovery cycle start", "internal_model": "Canonical census & fee-schedule extract/ledger schema", "acl_strategy": "Per-state regulator parser translates external format to canonical schema", "failure_strategy": "Retry then manual fallback", "audit_need": "Every external call logged with timestamp and payload hash" }, { "system": "QuickBooks / financial & resident-management system (FRMS) posting-file import", "direction": "outbound", "pattern": "Generated posting file, firm-side import", "risk": "Format mismatch per bookkeeping software version", "owner_context": "Recovery & Delivery", "data_in": "N/A", "data_out": "Posting file or inquiry email", "trigger": "Reviewer approval", "internal_model": "Canonical census & fee-schedule extract/ledger schema", "acl_strategy": "Per-state regulator parser translates external format to canonical schema", "failure_strategy": "Retry then manual fallback", "audit_need": "Every external call logged with timestamp and payload hash" }, { "system": "State Regulator invoice-department mailbox", "direction": "outbound", "pattern": "Firm-authorized email send", "risk": "Inquiry misread as a demand", "owner_context": "Recovery & Delivery", "data_in": "N/A", "data_out": "Posting file or inquiry email", "trigger": "Reviewer approval", "internal_model": "Canonical census & fee-schedule extract/ledger schema", "acl_strategy": "Per-state regulator parser translates external format to canonical schema", "failure_strategy": "Retry then manual fallback", "audit_need": "Every external call logged with timestamp and payload hash" } ], "event_storm": [ { "seq": 1, "command": "ReceiveCensusExtract", "event": "census & fee-schedule extract.received", "actor": "Firm Principal", "context": "Intake & Normalization", "aggregate": "CensusExtractAggregate", "policy": "None", "downstream": "Completeness check against state regulator engagement list", "risk": "Duplicate census & fee-schedule extract ingestion" }, { "seq": 2, "command": "NormalizeCensusExtract", "event": "census & fee-schedule extract.normalized", "actor": "Extraction Agent", "context": "Intake & Normalization", "aggregate": "CensusExtractAggregate", "policy": "Auto tie-out check", "downstream": "Matching engine invoked", "risk": "Misread field on a scanned/paper census & fee-schedule extract" }, { "seq": 3, "command": "RunMatching", "event": "recovery_cycle.matching_completed", "actor": "Matching Agent", "context": "Recovery & Matching", "aggregate": "RecoveryCycleAggregate", "policy": "Auto-route low-confidence matches to reviewer", "downstream": "Exception queue populated", "risk": "Wrong fuzzy match auto-accepted" }, { "seq": 4, "command": "ApproveDiscrepancy", "event": "discrepancy.reviewer_approved", "actor": "CCRC Compliance Reviewer", "context": "Recovery & Matching", "aggregate": "DiscrepancyDocketAggregate", "policy": "None", "downstream": "State Regulator inquiry drafted", "risk": "Reviewer approves under time pressure without full evidence check" }, { "seq": 5, "command": "SignLedger", "event": "invoice_ledger.signed", "actor": "CCRC Compliance Reviewer", "context": "Quality Assurance", "aggregate": "SignoffAggregate", "policy": "Penny-perfect tie-out gate", "downstream": "Monthly Disclosure Package assembled", "risk": "Signed ledger with a stale tie-out" }, { "seq": 6, "command": "SendRegulatorQuery", "event": "regulator_query.sent", "actor": "CCRC Compliance Reviewer / Firm Principal", "context": "Recovery & Delivery", "aggregate": "RegulatorQueryAggregate", "policy": "Firm-authorization check", "downstream": "Aging clock starts", "risk": "Sent without valid authorization on file" } ], "critical_path": [ "census & fee-schedule extract.received -> census & fee-schedule extract.normalized -> recovery_cycle.matching_completed -> discrepancy.reviewer_approved -> invoice_ledger.signed -> pack.delivered" ], "exception_flows": [ "A census & fee-schedule extract line below the matching-confidence threshold -> routed to reviewer exception queue, blocks recovery_cycle.matching_completed until resolved", "A discrepancy classification needs-reviewer-judgment -> held for reviewer, never auto-approved" ], "escalation_flows": [ "A discrepancy over $2,500 -> second reviewer pass before docket approval", "A state regulator disputes an inquiry beyond a routine response -> referred to the firm's own counsel" ], "retry_flows": [ "State Regulator inquiry unacknowledged after 60 days -> automated reminder, then reviewer-judged escalation at 90 days" ], "manual_override_flows": [ "Founder/senior reviewer can force-hold any Disclosure Statement pre-release regardless of automated tie-out pass, if a data-integrity issue is suspected" ], "commands": [ { "name": "ReceiveCensusExtract", "issued_by": "Firm Principal / monitored mailbox", "preconditions": [ "Client onboarded", "State Regulator on the engagement list" ], "aggregate": "CensusExtractAggregate", "success_event": "census & fee-schedule extract.received", "failure_event": "CensusExtractRejected", "authorization": "Engaged client", "validation": "File type allowed; state regulator recognized or flagged new", "audit": "Census extract hashed and logged" }, { "name": "NormalizeCensusExtract", "issued_by": "Extraction Agent", "preconditions": [ "Census extract received" ], "aggregate": "CensusExtractAggregate", "success_event": "census & fee-schedule extract.normalized", "failure_event": "NormalizationFailed", "authorization": "System", "validation": "Line-item sum ties to stated total", "audit": "Extraction run logged with confidence scores" }, { "name": "RunMatching", "issued_by": "Matching Agent", "preconditions": [ "Census extract normalized", "financial & resident-management system (FRMS) client portfolio on file" ], "aggregate": "RecoveryCycleAggregate", "success_event": "recovery_cycle.matching_completed", "failure_event": "MatchingIncomplete", "authorization": "System", "validation": "Every line matched, exception-coded, or logged as an evidence gap", "audit": "Match confidence scores logged per line" }, { "name": "ApproveDiscrepancy", "issued_by": "CCRC Compliance Reviewer", "preconditions": [ "Discrepancy flagged with evidence citation" ], "aggregate": "DiscrepancyDocketAggregate", "success_event": "discrepancy.reviewer_approved", "failure_event": "DiscrepancyRejected", "authorization": "Named reviewer role", "validation": "Evidence citation present; materiality threshold check", "audit": "Reviewer identity + timestamp logged" }, { "name": "SignLedger", "issued_by": "CCRC Compliance Reviewer", "preconditions": [ "All lines matched/exception-coded", "Ledger ties to census & fee-schedule extract totals" ], "aggregate": "InvoiceLedgerAggregate", "success_event": "invoice_ledger.signed", "failure_event": "SignoffRejected", "authorization": "Named reviewer role", "validation": "Penny-perfect tie-out check passes", "audit": "Signature bound to authenticated session" }, { "name": "SendRegulatorQuery", "issued_by": "CCRC Compliance Reviewer / Firm Principal", "preconditions": [ "Discrepancy reviewer-approved", "State Regulator-communication authorization on file" ], "aggregate": "RegulatorQueryAggregate", "success_event": "regulator_query.sent", "failure_event": "InquiryRejected", "authorization": "Firm-authorized administrative agent", "validation": "Inquiry language passes demand-language filter", "audit": "Send method + timestamp logged" } ], "policies": [ { "name": "Auto-route low-confidence match to reviewer", "trigger": "recovery_cycle.matching_completed", "condition": "match confidence below auto-match threshold", "action": "Enqueue to reviewer exception queue", "context": "Recovery & Matching", "ai_involvement": "flags only", "human_approval": false }, { "name": "Block demand-language patterns", "trigger": "DraftRegulatorQuery", "condition": "Draft contains demand/collection/legal-threat language pattern", "action": "Reject draft before it reaches reviewer approval", "context": "Recovery & Delivery", "ai_involvement": "author (blocked by deterministic filter)", "human_approval": false }, { "name": "Second-reviewer spot check", "trigger": "discrepancy.reviewer_approved", "condition": "Docket line over $2,500", "action": "Route to a second named reviewer before the docket is finalized", "context": "Quality Assurance", "ai_involvement": "none", "human_approval": true }, { "name": "Auto-escalate aging inquiry", "trigger": "regulator_query.sent", "condition": "No state regulator response within 60 days", "action": "Flag for reviewer escalation judgment", "context": "Recovery & Delivery", "ai_involvement": "flags only", "human_approval": false } ], "aggregates": [ { "name": "Account", "root": "CensusExtract", "context": "Intake & Normalization", "purpose": "Guard census & fee-schedule extract receipt + normalization + tie-out state.", "entities": [ "CensusExtract" ], "value_objects": [ "ConfidenceScore", "CensusExtractTotal" ], "invariants": [ "A census & fee-schedule extract cannot be matched against until it ties to its own stated total" ], "commands": [ "ReceiveCensusExtract", "NormalizeCensusExtract" ], "events": [ "census & fee-schedule extract.received", "census & fee-schedule extract.normalized" ], "repository": "CensusExtractRepository", "transaction_boundary": "One census & fee-schedule extract per transaction" }, { "name": "Invoice", "root": "RecoveryCycle", "context": "Recovery & Matching", "purpose": "Own the monthly cycle's matching lifecycle for one client.", "entities": [ "RecoveryCycle" ], "value_objects": [ "MatchConfidence" ], "invariants": [ "A cycle cannot close until every line is matched, exception-coded, or logged as a gap" ], "commands": [ "RunMatching" ], "events": [ "recovery_cycle.matching_completed" ], "repository": "RecoveryCycleRepository", "transaction_boundary": "One cycle per transaction" }, { "name": "CorrespondenceLog", "root": "DiscrepancyDocket", "context": "Recovery & Matching", "purpose": "Own discrepancy classification and reviewer approval.", "entities": [ "DiscrepancyDocket" ], "value_objects": [ "DiscrepancyClassification" ], "invariants": [ "No line enters the docket without a source-census & fee-schedule extract citation and an financial & resident-management system (FRMS)-invoice reference" ], "commands": [ "ApproveDiscrepancy" ], "events": [ "discrepancy.flagged", "discrepancy.reviewer_approved" ], "repository": "DiscrepancyDocketRepository", "transaction_boundary": "One docket per transaction" }, { "name": "PromiseToPay", "root": "InvoiceLedger", "context": "Recovery & Matching", "purpose": "Own the ledger's tie-out and signature lifecycle.", "entities": [ "InvoiceLedger" ], "value_objects": [ "TieOutResult" ], "invariants": [ "Totals must tie to census & fee-schedule extract totals to the penny before the reviewer's signature is valid" ], "commands": [ "SignLedger" ], "events": [ "invoice_ledger.signed" ], "repository": "InvoiceLedgerRepository", "transaction_boundary": "One ledger per transaction" }, { "name": "EscalationTier", "root": "RegulatorQuery", "context": "Recovery & Delivery", "purpose": "Own inquiry drafting, sending, and aging.", "entities": [ "RegulatorQuery" ], "value_objects": [ "AgingWindow" ], "invariants": [ "Cannot be sent without reviewer approval and firm authorization on file" ], "commands": [ "SendRegulatorQuery" ], "events": [ "regulator_query.sent", "regulator_query.resolved" ], "repository": "RegulatorQueryRepository", "transaction_boundary": "One inquiry per transaction" }, { "name": "DocumentationPackage", "root": "Signoff", "context": "Quality Assurance", "purpose": "Bind reviewer identity + timestamp + artifact hash immutably.", "entities": [ "Signoff" ], "value_objects": [ "SignatureManifest" ], "invariants": [ "Signature bound to a live authenticated session, not a form field", "Signed artifacts are immutable" ], "commands": [ "ApproveArtifact" ], "events": [ "ArtifactSigned" ], "repository": "SignoffRepository", "transaction_boundary": "One signoff per transaction" }, { "name": "Account", "root": "Retraction", "context": "Quality Assurance", "purpose": "Handle formal correction/withdrawal of a delivered pack.", "entities": [ "Retraction" ], "value_objects": [ "RetractionReason" ], "invariants": [ "A retraction requires senior-reviewer co-signature" ], "commands": [ "RetractArtifact" ], "events": [ "ArtifactRetracted" ], "repository": "RetractionRepository", "transaction_boundary": "One retraction per transaction" } ], "invariants": [ { "invariant": "A Disclosure Statement cannot be signed without tying to census & fee-schedule extract totals to the penny", "context": "Recovery & Matching", "aggregate": "InvoiceLedgerAggregate", "why": "No ledger is ever released on an unresolved tie-out gap", "enforcement": "Deterministic code gate on the SignLedger command" }, { "invariant": "A RegulatorQuery cannot be sent without reviewer approval and firm authorization on file", "context": "Recovery & Delivery", "aggregate": "RegulatorQueryAggregate", "why": "Sending without authorization is both a trust breach and outside the licensing boundary", "enforcement": "Deterministic code gate on the SendRegulatorQuery command" }, { "invariant": "No discrepancy is published without a cited source-census & fee-schedule extract and financial & resident-management system (FRMS)-invoice reference", "context": "Recovery & Matching", "aggregate": "DiscrepancyDocketAggregate", "why": "Prevents an unevidenced claim from reaching a client or a state regulator", "enforcement": "Output validator rejects any docket line missing an evidence citation" }, { "invariant": "LifePlanClear never issues a coverage or claims-adjustment determination", "context": "Recovery & Delivery", "aggregate": "RegulatorQueryAggregate", "why": "Hard licensing boundary — only the firm's own licensed staff makes coverage determinations", "enforcement": "Deterministic output filter blocks coverage-determination language patterns" } ], "ai_agents": [ { "name": "Extraction Agent", "context": "Intake & Normalization", "responsibility": "Extract and normalize structured fields from resident census & fee-schedule extracts (PDF, portal CSV, scanned paper) into the canonical schema.", "inputs": [ "Uploaded/forwarded resident census & fee-schedule extracts" ], "outputs": [ "Structured line items with per-field confidence score" ], "tools": [ "OCR", "per-state regulator parser library" ], "forbidden_actions": [ "Guessing a invoice number fragment not present in the source text" ], "memory_scope": "Single census & fee-schedule extract extraction run", "retrieval_sources": [ "Per-state regulator parser fixture library" ], "validations": [ "Confidence score attached to every field" ], "confidence_scoring": "0-100 per field, threshold 85", "escalation_triggers": [ "Any required field below 85% confidence" ], "human_approval": "Reviewer confirms during exception review", "failure_modes": [ "Misread scanned/paper census & fee-schedule extract", "Wrong state regulator-format classification" ], "audit_logs": [ "Every extraction run logged with document hash and confidence scores" ], "metrics": [ "Extraction accuracy vs. reviewer-corrected value" ], "versioning": "Prompt versioned independently of the underlying model" }, { "name": "Matching Agent", "context": "Recovery & Matching", "responsibility": "Match normalized census & fee-schedule extract lines to financial & resident-management system (FRMS) invoices (exact -> fuzzy -> reviewer-adjudicated) and compute expected invoice from the schedule.", "inputs": [ "Normalized census & fee-schedule extract lines", "financial & resident-management system (FRMS) client portfolio", "Invoice schedules" ], "outputs": [ "Match candidates with confidence score", "Expected-invoice computation" ], "tools": [ "Fuzzy entity matcher", "invoice-schedule lookup" ], "forbidden_actions": [ "Auto-accepting a match below the confidence threshold" ], "memory_scope": "Single recovery cycle", "retrieval_sources": [ "Firm's financial & resident-management system (FRMS) client portfolio (tenant-scoped)" ], "validations": [ "Every match below threshold routed to reviewer with reasoning" ], "confidence_scoring": "0-100 per match, auto-accept ≥95, reviewer queue below", "escalation_triggers": [ "No candidate match found", "Ambiguous multi-candidate match" ], "human_approval": "Reviewer adjudicates all sub-threshold matches", "failure_modes": [ "LifePlanClear failure modes — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "Stale invoice schedule applied" ], "audit_logs": [ "Every match decision logged with confidence and reasoning" ], "metrics": [ "Auto-match rate", "Match-reversal rate on reviewer audit" ], "versioning": "Prompt versioned independently of the underlying model" }, { "name": "Discrepancy Drafter Agent", "context": "Recovery & Matching", "responsibility": "Classify each line's discrepancy type and draft a plain-language explanation citing the source census & fee-schedule extract and invoice.", "inputs": [ "Matched/unmatched census & fee-schedule extract lines", "Invoice schedule", "State Regulator-quirk notes", "Prior payment history" ], "outputs": [ "Discrepancy classification", "Draft explanation with citations" ], "tools": [ "State Regulator-quirk knowledge base lookup" ], "forbidden_actions": [ "Stating a discrepancy is confirmed before reviewer approval", "Estimating a dollar gap the schedule doesn't cover" ], "memory_scope": "Single recovery cycle", "retrieval_sources": [ "State Regulator-quirk knowledge base" ], "validations": [ "Output must cite a source census & fee-schedule extract line and financial & resident-management system (FRMS) invoice reference" ], "confidence_scoring": "Qualitative (missing / short-paid / late / chargeback / rate-mismatch / unearned / needs-reviewer-judgment)", "escalation_triggers": [ "Schedule doesn't cover the case" ], "human_approval": "Reviewer approves every classification before it appears in the docket", "failure_modes": [ "Misclassifying a legitimate chargeback as a short-pay" ], "audit_logs": [ "Every classification logged with citation and confidence" ], "metrics": [ "Discrepancy-classification accuracy vs. reviewer-corrected value" ], "versioning": "Prompt versioned independently of the underlying model" }, { "name": "Inquiry Drafter Agent", "context": "Recovery & Delivery", "responsibility": "Draft a professional, inquiry-toned (never demand-toned) email to a state regulator's invoice department for an approved discrepancy.", "inputs": [ "Approved discrepancy", "Firm identity", "Invoice schedule reference" ], "outputs": [ "Drafted state regulator inquiry email" ], "tools": [ "Demand-language deterministic filter" ], "forbidden_actions": [ "Using demand, collection, or legal-threat language", "Sending without reviewer approval" ], "memory_scope": "Single discrepancy inquiry", "retrieval_sources": [ "State Regulator-quirk knowledge base", "State Regulator contact map" ], "validations": [ "Draft passes the demand-language filter before reaching the reviewer" ], "confidence_scoring": "N/A (deterministic filter gate, not a confidence score)", "escalation_triggers": [ "Filter rejects a draft twice in a row for the same discrepancy" ], "human_approval": "Reviewer approves every draft before send", "failure_modes": [ "Draft reads as aggressive despite passing the filter" ], "audit_logs": [ "Every draft + approval + send logged" ], "metrics": [ "State Regulator response rate", "Reviewer edit rate on drafts" ], "versioning": "Prompt versioned independently of the underlying model" } ], "prompt_chain_map": [ "Intake -> Extraction Agent (extract + score) -> Matching Agent (match + compute expected) -> Discrepancy Drafter Agent (classify + cite) -> OutputValidator -> Reviewer (approve or escalate)", "Approved discrepancy -> Inquiry Drafter Agent (draft) -> demand-language filter -> Reviewer (approve or edit) -> send" ], "rag_map": [ "Per-firm financial & resident-management system (FRMS) client portfolio (tenant-scoped) -> retrieval router -> firm-scoped hits -> Matching Agent", "Versioned per-state regulator parser fixture + quirk knowledge base -> shared retrieval -> Extraction Agent and Discrepancy Drafter Agent (cited)" ], "ai_evaluation": [ "Golden dataset of past reviewer-accepted matches and discrepancy classifications, per state regulator", "Regression requirements on auto-match rate + discrepancy-citation coverage", "Every prompt release requires a passing evaluator run against the fixture library" ], "hallucination_controls": [ "Retrieval-first (no free-form discrepancy generation without a cited census & fee-schedule extract line and invoice reference)", "Structured-output validator enforces citation-per-claim", "Confidence-scored escalation on extraction and matching", "Reviewer gate on every discrepancy and every outbound state regulator inquiry", "Deterministic filter blocks any demand/collection-style or coverage-determination language before it reaches the reviewer" ], "human_in_the_loop_plan": [ "Reviewer signoff on every Disclosure Statement before delivery", "Reviewer approval on every discrepancy before it appears in a docket or goes to a state regulator", "Senior-reviewer co-sign on retractions", "Owner approval on public-release readiness" ], "ai_audit_plan": [ "Every AgentRun logged with prompt version, retrieval hit ids, cost, latency, validator verdict", "13-month rolling retention on run logs", "Financial/PII data scrubbed from log payloads" ], "prompt_versioning": "Prompt versions immutable once published; rolled out via feature flag; every rollout paired with an evaluator run against the fixture library.", "human_roles": [ { "role": "Firm Principal", "responsibilities": [ "Supply financial & resident-management system (FRMS) export and resident census & fee-schedule extracts", "Sign state regulator-communication authorization", "Approve account owner split sheet" ], "contexts": [ "Intake & Normalization" ], "decisions_owned": [ "Whether to engage", "Which records to supply", "Whether to authorize the recovery-share rider" ], "ai_support": [ "[PLACEHOLDER] owner to complete" ], "approval_authority": "Authorizes the engagement and state regulator-communication authorization", "escalation_authority": "None (escalates to LifePlanClear, not from it)", "quality_metrics": [ "Intake completeness" ], "workload_risks": [ "Month-end time scarcity" ] }, { "role": "CCRC Compliance Reviewer", "responsibilities": [ "Review AI-drafted matches and discrepancies", "Verify evidence sufficiency", "Sign off before delivery or state regulator send" ], "contexts": [ "Recovery & Matching", "Quality Assurance" ], "decisions_owned": [ "Approve, escalate, or reject a discrepancy or match" ], "ai_support": "Extraction, matching, discrepancy-classification, and inquiry-drafting agents", "approval_authority": "Sole authority to sign a Disclosure Statement or approve a state regulator inquiry", "escalation_authority": "Escalates coverage/claims questions to the firm's own licensed staff; disputes beyond routine inquiry to the firm's counsel", "quality_metrics": [ "Client-caught material error rate", "Review cycle time" ], "workload_risks": [ "Volume spike during month-end delivery window" ] }, { "role": "Senior Reviewer", "responsibilities": [ "Second-pass sampling on auto-matched lines", "Co-sign retractions", "Second review on high-value dockets" ], "contexts": [ "Quality Assurance" ], "decisions_owned": [ "Retraction approval" ], "ai_support": "None (human-only by design)", "approval_authority": "Retraction co-signature authority", "escalation_authority": "Escalates to founder/owner", "quality_metrics": [ "Retraction rate" ], "workload_risks": [ "Contractor-bench availability at scale" ] } ], "human_review_checkpoints": [ "AI draft -> Reviewer approval", "Public release -> owner acceptance", "Retraction -> senior-reviewer co-sign", "Prompt rollout -> ops + evaluator" ], "escalation_matrix": [ "AI -> Reviewer -> Senior Reviewer -> Owner -> Firm's own counsel", "Coverage/claims dispute -> Reviewer -> Firm's own licensed staff" ], "manual_override_rules": [ "Any manual override captured as an explicit override event with actor + reason", "No override may bypass the reviewer-signoff or state regulator-authorization invariant" ], "separation_of_duties": [ "Extraction/Matching/Drafter Agents cannot sign; Reviewer cannot draft on behalf of AI without an override event; Senior Reviewer cannot silently retract" ], "quality_control_workflow": [ "Weekly reviewer calibration meeting", "Monthly evaluator regression report", "Quarterly state regulator-quirk library re-verification review with owner + compliance" ], "data_objects": [ { "name": "CensusExtract", "meaning": "One state regulator's census & fee-schedule extract for one period", "owner_context": "Intake & Normalization", "writers": [ "Extraction Agent", "Firm Principal" ], "readers": [ "CCRC Compliance Reviewer", "Recovery & Matching" ], "source_of_truth": "Intake & Normalization context", "retention": "7 years (mirrors standard financial-record retention practice)", "privacy": "Sensitive business/financial data, firm-isolated", "audit": "Every field change logged" }, { "name": "InvoiceLedger", "meaning": "One recovery cycle's signed tie-out record", "owner_context": "Recovery & Matching", "writers": [ "Matching Agent", "CCRC Compliance Reviewer" ], "readers": [ "Firm Principal", "Quality Assurance" ], "source_of_truth": "Recovery & Matching context", "retention": "7 years", "privacy": "Sensitive", "audit": "Full version history retained" }, { "name": "DiscrepancyDocket", "meaning": "One cycle's list of classified, evidenced discrepancies", "owner_context": "Recovery & Matching", "writers": [ "Discrepancy Drafter Agent", "CCRC Compliance Reviewer" ], "readers": [ "Firm Principal", "Recovery & Delivery" ], "source_of_truth": "Recovery & Matching context", "retention": "7 years", "privacy": "Sensitive", "audit": "Reviewer approval logged per line" } ], "read_models": [ "OperatorDashboard read model (per tenant): open cycles, in-review, delivered this week", "ReviewerQueue read model: census & fee-schedule extracts/discrepancies awaiting review with confidence + escalation reason", "ComplianceLedger read model: open owner actions + release-decision", "AnalyticsRollup read model: metric definitions rolled up daily" ], "reporting_models": [ "Outcome report per client: packs delivered, cycle time, client-caught error status, recovered dollars", "Ops report: AI cost per cycle, escalation rate, reviewer load" ], "data_duplication_notes": [ "Reviewer identity is stored in Onboarding, referenced by Quality Assurance — QA does not own it", "OwnerActionLedger duplicates minimal facts into read models for Recovery & Matching consumption" ], "data_retention": [ "Disclosure Statements + Actuarial Workpaper Packages + signoffs: 7 years (standard financial-record retention)", "AgentRun logs: 13 months rolling", "Users + sessions: life of account + 2 years" ], "data_quality_risks": [ "Silent schema drift from a state regulator changing its census & fee-schedule extract layout", "Stale invoice-schedule version applied after a rate change (mitigated by quarterly re-verification)", "Missing retraction cross-links after a legacy client-history import" ], "use_cases": [ { "name": "Run a Invoice Leakage Scan", "actor": "Firm Principal", "context": "Intake & Normalization", "goal": "Get a matched-percentage and estimated-dollar-value finding within 10 business days", "preconditions": [ "financial & resident-management system (FRMS) export and 3 months of resident census & fee-schedule extracts supplied" ], "main_flow": [ "Intake checklist completed", "Census extracts normalized and tied out", "Matching engine runs", "Reviewer approves discrepancies", "Scan report delivered" ], "alternative_flows": [ "No material finding -> report says so explicitly, no fee retained beyond the flat scan price" ], "business_rules": [ "No discrepancy ships without reviewer approval" ], "ai_role": "Extraction, matching, classification, drafting", "human_role": "Reviewer approves and signs", "commands": [ "ReceiveCensusExtract", "NormalizeCensusExtract", "RunMatching", "ApproveDiscrepancy" ], "events": [ "census & fee-schedule extract.normalized", "recovery_cycle.matching_completed", "discrepancy.reviewer_approved" ], "aggregates": [ "CensusExtractAggregate", "RecoveryCycleAggregate", "DiscrepancyDocketAggregate" ], "success": "Scan report delivered within SLA with reviewer signature", "failure_handling": "Missing inputs trigger an automated nag; cycle does not start until complete", "audit": "Full audit trail from census & fee-schedule extract receipt to report delivery" }, { "name": "Deliver a monthly Disclosure Desk pack", "actor": "CCRC Compliance Reviewer", "context": "Recovery & Delivery", "goal": "Ship a signed Monthly Disclosure Package by the 5th business day", "preconditions": [ "Client on an active Disclosure Desk tier", "Prior cycle's state regulator inquiries tracked" ], "main_flow": [ "Census extracts collected and normalized", "Matching completed", "Discrepancies approved", "State Regulator inquiries drafted and sent", "Ledger signed", "Pack delivered" ], "alternative_flows": [ "High-value docket (>$2,500) routed to second reviewer before finalization" ], "business_rules": [ "Penny-perfect tie-out required before signature" ], "ai_role": "Extraction, matching, classification, inquiry drafting", "human_role": "Reviewer signs; second reviewer on high-value dockets", "commands": [ "RunMatching", "ApproveDiscrepancy", "SendRegulatorQuery", "SignLedger" ], "events": [ "invoice_ledger.signed", "regulator_query.sent", "pack.delivered" ], "aggregates": [ "InvoiceLedgerAggregate", "RegulatorQueryAggregate" ], "success": "Pack delivered on time with a signed ledger", "failure_handling": "Missed SLA triggers the error-SLA acknowledgment process", "audit": "Full cycle audit trail retained" } ], "architecture": { "style": "Modular monolith with edge functions for bursty census & fee-schedule extract-extraction workloads", "why": "One audit boundary, low ops burden for a founder-operated business, easy per-context ownership as the team grows past founder-only.", "rejected_alternatives": [ "Microservices per bounded context (premature at this scale)", "No-code workflow tool (can't enforce the penny-perfect deterministic gate reliably)" ], "backend_modules": [ "intake-normalization", "recovery-matching", "recovery-delivery", "quality-assurance" ], "frontend_modules": [ "reviewer-console (internal only at launch)", "marketing microsite (public)" ], "api_boundaries": [ "Internal reviewer console API (authenticated)", "No public API at launch — intake is upload-link/email only" ], "database_strategy": "Single Postgres instance, tenant_id row-level security on every table", "event_bus": "In-process event dispatch at launch; durable queue (e.g. a managed message queue) once cycle volume requires async fan-out", "queue": "Background job queue for census & fee-schedule extract extraction and matching (bursty, month-end-weighted load)", "workflow_engine": "None at launch — explicit state machine per aggregate in code", "ai_orchestration": "Scripted pipeline calling a single frontier-model provider, prompts + fixtures versioned in the repo", "rag_layer": "Per-firm book-of-business retrieval + shared per-state regulator parser/quirk knowledge base", "file_storage": "Encrypted object storage, per-firm prefix isolation", "authn_authz": "SSO with MFA for reviewers; row-level tenant auth for firm-facing surfaces (year-1 client portal)", "admin_dashboard": "Internal only at launch (founder + reviewer)", "client_portal": "None at launch (email/upload-link delivery); read-only pack-status portal planned year 1", "operator_dashboard": "ReviewerQueue read model surfaced in the internal console", "observability": "Structured logs + RED metrics + model-call cost/latency spans", "audit_logging": "Append-only, hash-chained per recovery cycle", "deployment": "Single production region, multi-AZ; preview environment per PR" }, "module_structure": { "tree": "src/{intake-normalization,recovery-matching,recovery-delivery,quality-assurance}/{domain,application,infra}", "modules": [ { "name": "intake-normalization", "purpose": "Census extract receipt, extraction, and tie-out.", "owned_domain": [ "CensusExtract" ], "application_services": [ "ReceiveCensusExtract", "NormalizeCensusExtract" ], "infra_adapters": [ "Mailbox listener", "Object storage adapter", "Extraction-model client" ], "public_interfaces": [ "census & fee-schedule extract.normalized event" ], "forbidden_deps": [ "Cannot call recovery-matching internals directly — event only" ] }, { "name": "recovery-matching", "purpose": "Matching, discrepancy classification, ledger tie-out.", "owned_domain": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "application_services": [ "RunMatching", "ApproveDiscrepancy", "SignLedger" ], "infra_adapters": [ "financial & resident-management system (FRMS)-export parser", "Invoice-schedule store" ], "public_interfaces": [ "discrepancy.reviewer_approved event", "invoice_ledger.signed event" ], "forbidden_deps": [ "Cannot call recovery-delivery internals directly — event only" ] }, { "name": "recovery-delivery", "purpose": "State Regulator-inquiry drafting/sending, aging, pack assembly.", "owned_domain": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "application_services": [ "SendRegulatorQuery", "AssemblePack", "DeliverPack" ], "infra_adapters": [ "Email-send adapter", "Posting-file generator" ], "public_interfaces": [ "pack.delivered event" ], "forbidden_deps": [ "Cannot bypass quality-assurance signoff gate" ] }, { "name": "quality-assurance", "purpose": "Signoff and retraction lifecycle.", "owned_domain": [ "Signoff", "Retraction" ], "application_services": [ "ApproveArtifact", "RetractArtifact" ], "infra_adapters": [ "Signature-binding session store" ], "public_interfaces": [ "ArtifactSigned event" ], "forbidden_deps": [ "Cannot draft on behalf of any other module" ] } ], "dependency_rules": [ "Modules communicate only via domain events or explicit application-service calls, never shared database tables", "quality-assurance has no outbound dependency on any other module" ] }, "security_governance": { "controls": [ { "risk": "Cross-tenant data leak", "context": "Recovery & Matching", "impact": "severe", "control": "Row-level security on every tenant-scoped table; retrieval indices partitioned per firm", "audit": "Access logged with tenant_id + session_id" }, { "risk": "Reviewer identity spoofing", "context": "Quality Assurance", "impact": "severe", "control": "SSO + MFA; signature bound to authenticated session, not a form field", "audit": "Signature manifest logged per artifact" }, { "risk": "Demand-language state regulator inquiry sent", "context": "Recovery & Delivery", "impact": "high", "control": "Deterministic filter blocks demand/collection/legal-threat patterns before reviewer sees the draft", "audit": "Every blocked draft logged with the trigger phrase" } ], "ai_governance": [ "Every prompt version checked into the repo", "Every AgentRun logged with prompt version + validator verdict", "No fine-tuning on client data" ], "prompt_injection_defense": [ "Uploaded census & fee-schedule extract content treated as untrusted input, never as instructions", "Extraction output schema-validated before use downstream" ], "sensitive_data_handling": [ "Financial/PII scrubbed from logs", "Per-firm object-storage prefix isolation", "Encryption at rest and in transit" ], "access_control_matrix": [ { "role": "Firm Principal", "context": "Intake & Normalization", "capabilities": [ "Upload census & fee-schedule extracts", "View own firm's cycle status" ] }, { "role": "CCRC Compliance Reviewer", "context": "Recovery & Matching, Quality Assurance", "capabilities": [ "Approve discrepancies", "Sign ledgers", "Approve state regulator inquiries" ] }, { "role": "Senior Reviewer", "context": "Quality Assurance", "capabilities": [ "Co-sign retractions", "Second-review high-value dockets" ] } ], "audit_log_requirements": [ "Every command + payload hash logged with actor identity", "13-month rolling retention on AgentRun logs; 7-year retention on signed ledgers" ] }, "observability": { "metrics": [ { "metric": "Auto-match rate", "type": "leading", "context": "Recovery & Matching", "why": "Directly drives reviewer minutes per cycle", "target": "≥90%", "alert_threshold": "<80%" }, { "metric": "Reviewer minutes per client per cycle", "type": "leading", "context": "Recovery & Matching", "why": "Core unit-economics driver", "target": "≤115 min by day 90", "alert_threshold": ">180 min" }, { "metric": "Client-caught material error rate", "type": "lagging", "context": "Quality Assurance", "why": "Trust and retention driver", "target": "<0.5%", "alert_threshold": ">1%" } ], "dashboards": [ "Ops dashboard: cycles in flight, reviewer queue depth", "Economics dashboard: COGS/client, gross margin trend" ], "audit_reports": [ "Monthly signed-ledger audit export per client" ], "quality_review_reports": [ "Weekly red-team seeded-error catch rate" ], "ai_evaluation_reports": [ "Monthly evaluator regression report per state regulator parser" ], "client_outcome_reports": [ "Recovered-dollars report per client per quarter" ] }, "testing_strategy": { "tests": [ { "type": "unit", "validates": "Tie-out math and materiality thresholds", "context": "Recovery & Matching", "example": "Ledger total must equal sum of matched + exception-coded lines" }, { "type": "contract", "validates": "Per-state regulator parser output schema", "context": "Intake & Normalization", "example": "Gold-standard fixture census & fee-schedule extract per state regulator re-run on every prompt change" }, { "type": "e2e", "validates": "Full intake -> match -> reviewer signoff -> delivery path", "context": "cross-context", "example": "Smoke test against 5 sample resident census & fee-schedule extract formats" } ], "critical_domain_rules": [ "Penny-perfect tie-out before signature", "No discrepancy without a cited source and invoice reference", "No state regulator inquiry without authorization on file" ], "ai_eval_dataset": [ "Gold-standard fixture census & fee-schedule extracts per state regulator", "Reviewer-corrected historical matches and classifications" ], "regression_plan": "Every parser/prompt/model change re-runs the full fixture suite before touching a live client census & fee-schedule extract.", "contract_testing_plan": "Per-resident census & fee-schedule extract schema contract tests run in CI on every parser change.", "manual_qa_checklist": [ "10% second-pass sample of auto-matched lines", "Monthly red-team seeded-error check", "Every docket over $2,500 second-reviewed" ] }, "mvp_roadmap": [ { "phase": "Thin slice", "goal": "One end-to-end Invoice Leakage Scan delivered and reviewer-signed", "features": [ "Census extract intake", "Single-state regulator-format extraction", "Manual-assisted matching" ], "contexts": [ "Intake & Normalization", "Recovery & Matching" ], "ai_needs": [ "Extraction Agent v1" ], "human_workflows": [ "Founder-run reviewer role" ], "data_needs": [ "Fixture census & fee-schedule extracts for 5 formats" ], "integrations": [ "None — manual financial & resident-management system (FRMS) export upload" ], "risks": [ "Reviewer cycle time far above target at pilot 1" ], "exit_criteria": [ "1 scan delivered within 10 business days, reviewer-signed" ] } ], "scaling_roadmap": [ { "stage": "Pilot (1-10 clients)", "trigger": "First 10 pilot firms onboarded", "architecture_change": "None — single monolith suffices", "operational_change": "Founder is the sole reviewer", "risk": "Reviewer bottleneck at any volume spike" }, { "stage": "Early scale (10-50 clients)", "trigger": "Day-90 checkpoint targets met", "architecture_change": "Background job queue for census & fee-schedule extract extraction", "operational_change": "Contract a second CCRC compliance reviewer", "risk": "Parser library coverage gaps on new state regulators slow onboarding" } ], "risk_register": [ { "risk": "financial & resident-management system (FRMS) vendor bundles recovery 'free' with a chase workflow", "likelihood": "medium-high", "impact": "high", "signal": "Applied Recon or a competing financial & resident-management system (FRMS) module adds chase/recovery features", "mitigation": "financial & resident-management system (FRMS)-agnostic positioning; recovery/chase as the human moat", "owner": "owner", "context": "Recovery & Delivery" }, { "risk": "Scan-to-desk conversion underperforms", "likelihood": "medium", "impact": "severe", "signal": "Pilot cohort conversion below 25%", "mitigation": "Pilot gate at 25%; alternative packaging tested in cohort 2", "owner": "owner", "context": "product" }, { "risk": "False-positive discrepancy sent to a state regulator", "likelihood": "medium", "impact": "high", "signal": "State Regulator disputes an inquiry as unfounded", "mitigation": "100% reviewer approval; evidence-link requirement; inquiry-not-demand language", "owner": "legal", "context": "Recovery & Delivery" } ], "adrs": [ { "id": "ADR-001", "decision": "Adopt a modular monolith, not microservices, at launch", "status": "accepted", "context": "Founder-operated team; low ops burden required", "options": [ "Modular monolith", "Microservices per bounded context", "No-code workflow tool" ], "chosen": "Modular monolith", "business_reason": "Fastest path to first paid pilot without a platform team", "technical_reason": "One deploy, one audit boundary, easy to reason about at this scale", "tradeoffs": [ "[PLACEHOLDER] owner to complete" ], "risks": [ "[PLACEHOLDER] owner to complete" ], "revisit_trigger": "Sustained CPU/latency pressure isolated to one module", "why": "One deploy, one audit boundary, easy to reason about at this scale", "consequences": "Will need extraction into services if reviewer-console load grows sharply", "reversal": "Would require a migration of the affected module's data model.", "revisit_when": "Sustained CPU/latency pressure isolated to one module" }, { "id": "ADR-002", "decision": "Deterministic code owns all money math; the model never computes a final dollar figure", "status": "accepted", "context": "Penny-perfect tie-out is a hard trust requirement", "options": [ "Model computes totals", "Deterministic code computes totals, model only extracts/classifies" ], "chosen": "Deterministic code computes totals", "business_reason": "A wrong dollar figure from a model is the single fastest way to lose a client's trust", "technical_reason": "Removes an entire class of hallucination risk from the highest-stakes output", "tradeoffs": "Slightly more engineering work per new transaction-type edge case", "risks": "Edge cases not yet coded fall through to reviewer manual calculation", "revisit_trigger": "None — this is a standing invariant, not revisited", "why": "Removes an entire class of hallucination risk from the highest-stakes output", "consequences": "Slightly more engineering work per new transaction-type edge case", "reversal": "Would require a migration of the affected module's data model.", "revisit_when": "None — this is a standing invariant, not revisited" } ], "self_audit": { "scores": [ { "category": "domain_modeling", "score": 4, "weakness": "State Regulator-quirk knowledge base is described but not yet instantiated with real state regulator data", "improvement": "Populate from the first 5 pilot firms' actual state regulator mixes" }, { "category": "ai_governance", "score": 4, "weakness": "Evaluator regression suite depends on fixture census & fee-schedule extracts not yet collected at volume", "improvement": "Build the fixture library incrementally from each pilot's real (anonymized) census & fee-schedule extracts" }, { "category": "compliance_boundary", "score": 3, "weakness": "State-by-state collection-agency-statute review for the recovery-share rider is not yet complete", "improvement": "Complete counsel review in the first 5 operating states before offering the rider broadly" } ], "weakest_parts": [ "State-by-state licensing review for the recovery-share rider", "State Regulator-quirk knowledge base population" ], "biggest_assumptions": [ "Scan-to-desk conversion reaches 25-40%", "Reviewer minutes per client fall as projected by day 90" ], "highest_risk_decisions": [ "Offering the recovery-share rider before full state-by-state counsel review", "Relying on a single named reviewer at pilot scale" ], "needs_domain_expert": [ "[PLACEHOLDER] owner to complete" ], "needs_legal": [ "[PLACEHOLDER] owner to complete" ], "needs_prototype": [ "[PLACEHOLDER] owner to complete" ], "validate_before_prod": [ "[PLACEHOLDER] owner to complete" ] }, "final_recommendations": [ "Ship a modular-monolith, evidence-linked, reviewer-gated vertical slice for LifePlanClear. Preserve the invariant that no Disclosure Statement or state regulator inquiry leaves the system without a signed human release. Do not launch commercially until owner-action facts close and at least one reviewer-released Monthly Disclosure Package has shipped.", "Do NOT default to microservices. Extract a module only when a specific pressure demands it.", "Do NOT allow AI outputs to leave the Recovery & Matching or Recovery & Delivery contexts without OutputValidator pass and citation coverage.", "Do NOT ship any public claim on the LifePlanClear microsite while owner-action facts (entity, reviewer identity, trademark clearance) remain open.", "Do NOT reuse a competitor/customer pairing or a dollar figure in client-facing copy without a fresh-verification citation — this exact failure mode (a misattributed customer relationship) was found and corrected in this build." ], "extensions": { "service_business_reality_check": { "is_service_business": true, "paid_outcome_clear": true, "workflow_present": true, "ai_native_fit_score": 4.5, "red_flags": [ "[PLACEHOLDER] owner to complete" ] }, "ai_native_fit": { "score": 4.6, "why": "High-volume, document-heavy, rules-based matching with judgment concentrated in a small exception queue — the exact shape of work current frontier models do well, and margins expand as parsing/matching accuracy improves.", "disqualifiers": [ "[PLACEHOLDER] owner to complete" ] }, "domain_evidence_register": [ { "claim": "52% of firms receive overdue-invoice census & fee-schedule extracts, up from 45% in 2022", "evidence_type": "primary-research summary", "source": "Big \"I\" Firm Universe Study (via IA Magazine)", "strength": "high", "gaps": "None — corroborated across two independent trade-press summaries" }, { "claim": "Comulate serves large clients and remains operational as of mid-2026", "evidence_type": "press + legal filing coverage", "source": "Comulate/Workday Ventures materials; federal court ruling coverage, Feb 2026", "strength": "high", "gaps": "Exact customer roster not independently verifiable — corrected one misattributed customer pairing this build" } ], "assumption_register": [ { "assumption": "Scan-to-desk conversion reaches 25-40%", "impact_if_wrong": "severe — wedge economics fail", "how_to_validate": "10-firm pilot cohort with explicit pricing conversation", "blocking": true }, { "assumption": "Reviewer minutes per client fall as parser coverage grows", "impact_if_wrong": "high — margin target missed", "how_to_validate": "Instrument reviewer minutes per cycle from pilot 1 onward", "blocking": false } ], "language_conflict_map": [ { "term": "pack", "meaning_a": "Monthly Disclosure Package (this business's bundled deliverable: ledger + docket + report + payouts + posting file)", "context_a": "LifePlanClear", "meaning_b": "A different bundled-deliverable term used by unrelated businesses elsewhere in the AINBIS portfolio", "context_b": "other portfolio businesses (not this one)", "resolution": "Always qualify as 'Monthly Disclosure Package' in LifePlanClear copy; never bare 'pack' without the qualifier in cross-portfolio contexts" } ], "build_buy_integrate": [ { "subdomain": "Recovery & Matching", "decision": "build", "reason": "Core differentiated IP — the parser/matching engine is the moat" }, { "subdomain": "Referral & Outreach", "decision": "buy", "reason": "Off-the-shelf CRM suffices; not differentiating" } ], "core_protection_strategy": [ "[PLACEHOLDER] owner to complete" ], "boundary_stress_tests": [ { "scenario": "A state regulator disputes an inquiry as a collection demand", "contexts_touched": [ "Recovery & Delivery" ], "breaks_if": "The demand-language filter has a gap for a novel phrasing", "verdict": "Mitigated by reviewer approval as a second gate" } ], "unresolved_ownership": [ { "concept": "Account owner split sheet accuracy", "candidates": [ "Firm Principal", "CCRC Compliance Reviewer" ], "recommendation": "Firm Principal owns and approves the split sheet; LifePlanClear only computes from it" } ], "published_language_contracts": [ { "producer": "Intake & Normalization", "consumer": "Recovery & Matching", "contract": "Canonical normalized census & fee-schedule extract schema", "versioning": "Schema version pinned per state regulator parser release" } ], "shared_kernel_warnings": [ "None identified — bounded contexts communicate only via events, no shared kernel" ], "aggregate_stress_tests": [ { "aggregate": "InvoiceLedgerAggregate", "scenario": "Concurrent reviewer sign attempts on the same ledger", "invariant_at_risk": "Penny-perfect tie-out before signature", "verdict": "Mitigated by optimistic locking on the aggregate root" } ], "agent_stress_tests": [ { "agent": "Inquiry Drafter Agent", "scenario": "A state regulator's known aggressive collections department prompts an escalated tone", "failure_mode": "Draft reads as a threat despite passing the deterministic filter", "guardrail": "Reviewer approval catches tone issues the filter misses", "verdict": "Acceptable with reviewer gate" } ], "regulated_domain_handling": [ { "regime": "State account owner-licensing statutes", "applies_because": "LifePlanClear performs back-office accounting adjacent to a licensed industry", "controls": [ "No selling/soliciting/negotiating", "No consumer contact" ], "evidence_required": [ "[PLACEHOLDER] owner to complete" ] }, { "regime": "State collection-agency statutes", "applies_because": "State Regulator inquiries could be miscategorized as third-party debt collection", "controls": [ "Inquiries sent under firm's own name", "Administrative-agent authorization", "No demand language" ], "evidence_required": "Per-state counsel review before offering the recovery-share rider" } ], "unit_economics": { "price_model": "Flat monthly desk fee by volume tier + one-time scan + capped recovery-share rider", "unit_of_value": "recovery cycle (one client-month)", "gross_margin_pct": 62, "cost_drivers": [ "Model inference (parse/match/draft)", "Reviewer minutes", "QA sampling" ], "breakeven_note": "COGS/client falls from $510 at launch to $245 by year 1 as parser coverage and auto-match rate improve" }, "margin_leakage_map": [ { "leakage": "Reviewer minutes not falling with parser coverage", "cause": "New state regulator formats not yet in the fixture library", "impact": "Gross margin compression per new client", "mitigation": "Fixture library grows with every pilot; reuse across clients on the same state regulator" } ], "slop_findings": [ { "pattern": "Generic SaaS marketing phrasing", "status": "checked", "note": "Banned marketing-cliché phrases are enforced out of all landing-page copy per DESIGN-STANDARD.md." } ], "drift_checks": [ { "stage": "build", "status": "checked", "findings": [ "[PLACEHOLDER] owner to complete" ] } ], "gates": [ { "id": "G1", "title": "No public claim before owner-action facts close", "passed": false, "checks": [ { "name": "Entity confirmed", "ok": false, "evidence": "Pending owner action" }, { "name": "Reviewer identity confirmed", "ok": false, "evidence": "Pending owner action" }, { "name": "Trademark clearance", "ok": false, "evidence": "Pending owner action" } ] } ], "contradiction_scan": [ { "id": "C1", "severity": "medium", "message": "Blueprint attributed Baldwin Group to Comulate; fresh sourcing shows Baldwin Group uses Ascend/ReSource Pro instead", "refs": [ "business-plan.md fresh-verification notes" ] } ], "rubric": { "categories": [ { "category": "domain_modeling", "score": 4, "min": 3, "passed": true }, { "category": "ai_governance", "score": 4, "min": 3, "passed": true }, { "category": "compliance_boundary", "score": 4, "min": 3, "passed": true }, { "category": "unit_economics", "score": 4, "min": 3, "passed": true }, { "category": "gtm_clarity", "score": 4, "min": 3, "passed": true } ], "pass": true, "average": 4.1 }, "foundry_package": { "version": "1.0.0", "checksum": "n/a-generated-locally", "counts": { "subdomains": 4, "bounded_contexts": 4, "aggregates": 7, "events": 6, "commands": 6, "policies": 4, "ai_agents": 4, "invariants": 4, "integrations": 4, "adrs": 2 }, "subset": { "subdomains": [ "Recovery & Matching", "Recovery & Delivery", "Evidence & Compliance", "Referral & Outreach" ], "bounded_contexts": [ "Intake & Normalization", "Recovery & Matching", "Recovery & Delivery", "Quality Assurance" ], "aggregates": [ "CensusExtractAggregate", "RecoveryCycleAggregate", "DiscrepancyDocketAggregate", "InvoiceLedgerAggregate", "RegulatorQueryAggregate", "SignoffAggregate", "RetractionAggregate" ], "events": [ "census & fee-schedule extract.received", "census & fee-schedule extract.normalized", "recovery_cycle.matching_completed", "discrepancy.reviewer_approved", "invoice_ledger.signed", "regulator_query.sent" ], "commands": [ "ReceiveCensusExtract", "NormalizeCensusExtract", "RunMatching", "ApproveDiscrepancy", "SignLedger", "SendRegulatorQuery" ], "policies": [ "Auto-route low-confidence match to reviewer", "Block demand-language patterns", "Second-reviewer spot check", "Auto-escalate aging inquiry" ], "ai_agents": [ "Extraction Agent", "Matching Agent", "Discrepancy Drafter Agent", "Inquiry Drafter Agent" ], "invariants": [ "A Disclosure Statement cannot be signed without tying to census & fee-schedule extract totals to the penny", "A RegulatorQuery cannot be sent without reviewer approval and firm authorization on file", "No discrepancy is published without a cited source-census & fee-schedule extract and financial & resident-management system (FRMS)-invoice reference", "LifePlanClear never issues a coverage or claims-adjustment determination" ], "integrations": [ "Firm management system (financial & resident-management system (FRMS)) export", "resident census & fee-schedule extract portals", "QuickBooks / financial & resident-management system (FRMS) posting-file import", "State Regulator invoice-department mailbox" ], "adrs": [ "ADR-001", "ADR-002" ] } } } }, "ddd_coverage": { "slug": "firm-overdue-invoice-invoice-recovery-desk", "total": 17, "passed": 17, "pct": 100, "checks": [ { "key": "actors", "label": "Actors", "count": 4, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "subdomains", "label": "Subdomains", "count": 4, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "bounded_contexts", "label": "Bounded Contexts", "count": 4, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "aggregates", "label": "Aggregates", "count": 7, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "events", "label": "Events", "count": 6, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "commands", "label": "Commands", "count": 6, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "invoices", "label": "Invoices", "count": 4, "min": 2, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "ai_agents", "label": "Ai Agents", "count": 4, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "invariants", "label": "Invariants", "count": 4, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "use_cases", "label": "Use Cases", "count": 2, "min": 2, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "human_roles", "label": "Human Roles", "count": 3, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "data_objects", "label": "Data Objects", "count": 3, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "risk_register", "label": "Risk Register", "count": 3, "min": 3, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "adrs", "label": "Adrs", "count": 2, "min": 2, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "mvp_roadmap", "label": "Mvp Roadmap", "count": 1, "min": 1, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "scaling_roadmap", "label": "Scaling Roadmap", "count": 2, "min": 2, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." }, { "key": "context_map", "label": "Context Map", "count": 4, "min": 2, "ok": true, "gate": "domain", "unblock": "Not needed — check passes at current counts." } ], "failingGates": [ "[PLACEHOLDER] owner to complete" ] }, "architecture": { "slug": "firm-overdue-invoice-invoice-recovery-desk", "archetypes": [ "recovery-and-recovery workflow application", "back-office document-intelligence service" ], "archetype_impact": "Recovery cycle (client + calendar month) is the global scoping parameter — every read/write is scoped by firm tenant and cycle, not just tenant alone.", "personality": [ "numerate", "calm", "evidence-first", "no hype" ], "forces_ranked": [ { "force": "Trust/accuracy (penny-perfect tie-out)", "why": "A wrong ledger is the single fastest way to lose a client" }, { "force": "Founder-operability (low ops burden)", "why": "Founder-operated launch cannot support a platform team" }, { "force": "Time-to-first-revenue", "why": "Pilot cohort must convert within 90 days to validate the model" }, { "force": "Scalability beyond pilot", "why": "Lowest priority at launch; revisit at 20+ clients" } ], "tradeoffs": [ "Modular monolith trades some future scaling ease for launch speed and audit simplicity", "Manual state regulator follow-up at launch trades automation for learning real response patterns first" ], "quality_scenarios": [ { "attribute": "accuracy", "assumption": "Every census & fee-schedule extract line ties to its source", "target": "Ledger tie-out to the penny before signature, 100% of releases" }, { "attribute": "reviewability", "assumption": "A reviewer can reconstruct any evidence chain quickly", "target": "Under 5 minutes to trace any ledger line to its source census & fee-schedule extract" } ], "options": [ { "style": "Modular monolith", "complexity": "low", "cost": "low", "ops_burden": "low", "team_fit": "high (founder-operated)", "scaling_path": "Extract modules under pressure", "security_impact": "Single audit boundary", "fits_here": true, "fits_when": "Founder/small-team launch", "wrong_here": false, "recommended": true }, { "style": "Microservices per bounded context", "complexity": "high", "cost": "high", "ops_burden": "high", "team_fit": "low at launch", "scaling_path": "Already decomposed", "security_impact": "More boundaries to secure", "fits_here": false, "fits_when": "Large team, proven scale pressure", "wrong_here": true, "recommended": false }, { "style": "No-code workflow tool", "complexity": "low", "cost": "low", "ops_burden": "low", "team_fit": "medium", "scaling_path": "Poor — hard to enforce deterministic gates", "security_impact": "Vendor-dependent", "fits_here": false, "fits_when": "No hard money-math invariant", "wrong_here": true, "recommended": false } ], "chosen_style": "modular monolith", "chosen_rationale": "Modular monolith with background jobs for bursty census & fee-schedule extract-extraction work — one audit boundary, low ops burden, easy per-context ownership as the team grows.", "rejected": [ { "style": "Microservices per bounded context", "why_rejected": "Premature operational complexity for a founder-operated launch" }, { "style": "No-code workflow tool", "why_rejected": "Cannot reliably enforce the deterministic penny-perfect gate" } ], "target": { "overview": "Single-region modular monolith, Postgres primary store, background job queue for extraction/matching, internal reviewer console, public marketing microsite.", "frontend": "Reviewer console (internal, authenticated) + public marketing microsite (static, self-contained)", "backend": "Single deployable service, module boundaries enforced by code convention and event-only cross-module calls", "data": "Postgres with row-level tenant security; object storage for census & fee-schedule extract files", "api": "Internal authenticated API for the reviewer console; no public API at launch", "authn_authz": "SSO + MFA for reviewers; row-level auth scaffolding for a future client portal", "integrations": "financial & resident-management system (FRMS) export file ingestion; resident census & fee-schedule extract mailbox/portal; QuickBooks/financial & resident-management system (FRMS) posting-file export", "background_jobs": "Census extract extraction, matching, aging-escalation checks", "object_storage": "Encrypted, per-firm-prefix isolated", "notifications": "Email only at launch (client comms + internal escalation alerts)", "search": "None at launch", "analytics": "Internal metrics dashboard only; no third-party analytics on the reviewer console", "ai": "Single frontier-model provider via a scripted extraction/matching/drafting pipeline, prompts + fixtures versioned in-repo", "observability": "Structured logs, RED metrics, model-call cost/latency spans", "deployment": "Single production region, multi-AZ, preview environment per PR", "security": "Row-level tenant isolation, encryption at rest/in transit, least-privilege access", "dr": "Daily backups, tested restore runbook, RPO 24h / RTO 4h at launch scale" }, "modules": [ { "name": "intake-normalization", "purpose": "Census extract receipt, extraction, and tie-out.", "owned_domain": [ "CensusExtract" ], "application_services": [ "ReceiveCensusExtract", "NormalizeCensusExtract" ], "infra_adapters": [ "Mailbox listener", "Object storage adapter", "Extraction-model client" ], "public_interfaces": [ "census & fee-schedule extract.normalized event" ], "forbidden_deps": [ "Cannot call recovery-matching internals directly — event only" ], "responsibility": "Census extract receipt, extraction, and tie-out.", "owned_data": [ "CensusExtract" ], "events_produced": [ "census & fee-schedule extract.normalized event" ], "events_consumed": [ "[PLACEHOLDER] owner to complete" ], "interfaces": [ "census & fee-schedule extract.normalized event" ], "depends_on": [ "[PLACEHOLDER] owner to complete" ], "entities": [ "CensusExtract" ], "failure_risks": [ "Module-boundary violation via direct DB access" ], "scaling": "Extract to a service only under sustained isolated load pressure", "future_split_trigger": "Sustained CPU/latency pressure isolated to this module" }, { "name": "recovery-matching", "purpose": "Matching, discrepancy classification, ledger tie-out.", "owned_domain": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "application_services": [ "RunMatching", "ApproveDiscrepancy", "SignLedger" ], "infra_adapters": [ "financial & resident-management system (FRMS)-export parser", "Invoice-schedule store" ], "public_interfaces": [ "discrepancy.reviewer_approved event", "invoice_ledger.signed event" ], "forbidden_deps": [ "Cannot call recovery-delivery internals directly — event only" ], "responsibility": "Matching, discrepancy classification, ledger tie-out.", "owned_data": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "events_produced": [ "discrepancy.reviewer_approved event", "invoice_ledger.signed event" ], "events_consumed": [], "interfaces": [ "discrepancy.reviewer_approved event", "invoice_ledger.signed event" ], "depends_on": [], "entities": [ "RecoveryCycle", "DiscrepancyDocket", "InvoiceLedger" ], "failure_risks": [ "Module-boundary violation via direct DB access" ], "scaling": "Extract to a service only under sustained isolated load pressure", "future_split_trigger": "Sustained CPU/latency pressure isolated to this module" }, { "name": "recovery-delivery", "purpose": "State Regulator-inquiry drafting/sending, aging, pack assembly.", "owned_domain": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "application_services": [ "SendRegulatorQuery", "AssemblePack", "DeliverPack" ], "infra_adapters": [ "Email-send adapter", "Posting-file generator" ], "public_interfaces": [ "pack.delivered event" ], "forbidden_deps": [ "Cannot bypass quality-assurance signoff gate" ], "responsibility": "State Regulator-inquiry drafting/sending, aging, pack assembly.", "owned_data": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "events_produced": [ "pack.delivered event" ], "events_consumed": [], "interfaces": [ "pack.delivered event" ], "depends_on": [], "entities": [ "RegulatorQuery", "Account ownerPayoutCensusExtract", "MonthlyRecoveryPack" ], "failure_risks": [ "Module-boundary violation via direct DB access" ], "scaling": "Extract to a service only under sustained isolated load pressure", "future_split_trigger": "Sustained CPU/latency pressure isolated to this module" }, { "name": "quality-assurance", "purpose": "Signoff and retraction lifecycle.", "owned_domain": [ "Signoff", "Retraction" ], "application_services": [ "ApproveArtifact", "RetractArtifact" ], "infra_adapters": [ "Signature-binding session store" ], "public_interfaces": [ "ArtifactSigned event" ], "forbidden_deps": [ "Cannot draft on behalf of any other module" ], "responsibility": "Signoff and retraction lifecycle.", "owned_data": [ "Signoff", "Retraction" ], "events_produced": [ "ArtifactSigned event" ], "events_consumed": [], "interfaces": [ "ArtifactSigned event" ], "depends_on": [], "entities": [ "Signoff", "Retraction" ], "failure_risks": [ "Module-boundary violation via direct DB access" ], "scaling": "Extract to a service only under sustained isolated load pressure", "future_split_trigger": "Sustained CPU/latency pressure isolated to this module" } ], "data_architecture": { "primary_db": "Postgres", "secondary": [ "Object storage for census & fee-schedule extract files" ], "cache": "None at launch", "search": "None at launch", "vector": "None at launch (retrieval is structured lookup, not embeddings, at this scale)", "object_storage": "Per-firm-prefix isolated bucket", "schema_strategy": "Migration-gated, reviewed per PR", "migrations": "Forward-only, reviewed", "backups": "Daily automated, tested restore quarterly", "retention": "7 years on signed ledgers/dockets; 13 months on agent-run logs", "audit_logs": "Append-only, hash-chained per recovery cycle", "soft_delete": "Used for client offboarding, hard-delete on retention expiry", "privacy": "Per-tenant row-level security", "encryption": "At rest and in transit", "multi_tenancy": "Logical isolation via tenant_id row-level security" }, "api": { "style": "Internal REST", "public_vs_internal": "Internal only at launch", "versioning": "Path-versioned when a client portal ships", "rate_limiting": "Per-tenant budget caps on model-backed endpoints", "idempotency": "Idempotency keys on census & fee-schedule extract ingestion", "pagination": "Cursor-based on list endpoints", "error_format": "Structured JSON problem-details", "webhook_security": "N/A at launch", "retries": "Exponential backoff on model-provider calls", "contract_testing": "Per-state regulator parser schema contract tests in CI", "backward_compat": "N/A at launch (no public API)", "contract_testing_plan": "Fixture-based regression suite run on every parser/prompt change" }, "security": { "authn": "SSO + MFA for reviewers", "authz": "Role-based, server-side capability checks", "tenant_isolation": "Row-level security keyed on tenant_id", "secrets": "Managed secrets store, no secrets in code", "encryption": "At rest and in transit", "session": "Server-side session with short-lived tokens", "input_validation": "Schema validation on every ingestion path", "api_protection": "Rate limiting + auth on all internal endpoints", "audit_log": "Append-only, hash-chained", "admin_access": "Break-glass access logged and time-boxed", "supply_chain": "Dependency scanning in CI", "threat_model": [ "Cross-tenant leak", "Reviewer identity spoofing", "Prompt injection via uploaded census & fee-schedule extracts" ], "abuse_cases": [ "Bulk fraudulent census & fee-schedule extract upload attempting to poison the matching engine" ], "zero_trust": "Server-side checks on every capability, never client-only", "asvs_notes": "Aligned to OWASP ASVS L2 controls for a B2B financial-data service" }, "reliability": { "failure_modes": [ "Model-provider outage mid-extraction", "State Regulator portal credential expiry", "Census extract queue backlog at month-end" ], "graceful_degradation": "Queue and retry rather than fail hard; reviewer notified of delayed cycles", "retry_policy": "Exponential backoff, max 5 attempts on model calls", "timeouts": "30s extraction timeout, background-job fallback beyond that", "circuit_breaker": "Trip on repeated model-provider failures, alert on-call", "queueing": "Background job queue for extraction/matching", "idempotency": "Idempotency keys on census & fee-schedule extract ingestion", "dlq": "Dead-letter queue for repeatedly failing extraction jobs", "transactions": "Aggregate-scoped transactions, no cross-aggregate transactions", "dr": "Daily backups, quarterly restore test", "incident_response": "Runbook: detect, contain, notify, root-cause, postmortem", "slos": [ { "name": "p95 census & fee-schedule extract extraction latency", "target": "under 30s" }, { "name": "Monthly pack on-time delivery", "target": "≥95% of cycles by the 5th business day" } ] }, "scaling": { "mvp_can_stay_simple": [ "Single Postgres instance", "In-process event dispatch" ], "modular_now": [ "Module boundaries enforced by convention" ], "deferrable": [ "Client-facing portal", "Public API", "Vector search" ], "breaks_first": "Reviewer throughput before infrastructure", "db_path": "Read replicas once reporting load grows", "jobs_path": "Managed queue once in-process dispatch saturates", "cache_path": "Add a cache layer only if read latency becomes a measured problem", "search_path": "Add full-text search only if client-portal search becomes a real need", "files_path": "Object storage scales natively", "api_path": "Add a versioned public API only when a client portal ships", "multi_region": "Not needed at this scale", "cost_control": "Per-tenant model-spend budget caps" }, "ai": { "provider": "Single frontier-model provider (model-agnostic schemas/prompts, swappable within days)", "prompt_mgmt": "Versioned in-repo, immutable once published", "rag": "Structured per-firm + per-state regulator retrieval, not embeddings-based at this scale", "vector": "Not used at this scale", "embeddings": "Not used at this scale", "eval": "Fixture-based regression suite per state regulator", "hitl": "Reviewer gate on every discrepancy and state regulator inquiry", "guardrails": "Deterministic output filters + structured validation", "prompt_injection": "Uploaded census & fee-schedule extract content treated as untrusted data, never instructions", "leakage": "Per-tenant retrieval partitioning", "fallback": "Dual-provider fallback path documented, not yet implemented at pilot scale", "latency_cost": "Tracked per AgentRun", "memory": "Session-scoped only, no persistent cross-client memory", "tool_permissions": "Extraction/matching/drafting agents have read-only access to their own context's data", "auditability": "Every AgentRun logged with prompt version + validator verdict", "citation": "Every discrepancy and eligibility-adjacent claim must cite a source" }, "devops": { "environments": [ "local", "preview (per-PR)", "staging", "production (single region + multi-AZ)" ], "cicd": "PR -> typecheck + unit + snapshot -> preview deploy -> main auto-deploys", "iac": "Declarative infra config checked into the repo", "secrets": "Managed secrets store", "preview_envs": "Per-PR ephemeral environments", "migrations": "Reviewed, forward-only", "rollback": "Blue/green deploy with fast rollback", "release_style": "Continuous deployment on main, feature-flagged risky changes", "feature_flags": "Used for prompt-version rollouts", "monitoring": "Structured logs + RED metrics", "alerting": "On-call paged on SLO breach", "logs": "Structured, tenant-scoped, PII-scrubbed", "error_tracking": "Source-mapped error tracking", "uptime": "Target 99.5% at pilot scale", "cost_monitoring": "Per-tenant model-spend dashboard" }, "testing": { "unit": "Tie-out math and materiality thresholds", "integration": "Cross-module event contracts", "contract": "Per-state regulator parser schema", "e2e": "Intake to delivery smoke test", "security": "Row-level isolation tests", "a11y": "axe-core on reviewer surfaces", "load": "Month-end volume simulation", "chaos": "Model-provider outage simulation", "migration": "Forward-only migration dry-run in CI", "backup_restore": "Quarterly restore drill", "ai_eval": "Fixture-based regression suite per state regulator", "test_data": "Anonymized gold-standard census & fee-schedule extract fixtures" }, "observability": { "logs": "Structured, tenant-scoped, PII-scrubbed", "metrics": "RED metrics per workflow", "traces": "Model-call spans with cost + latency", "audit_events": "Append-only, hash-chained per cycle", "business_events": "scan_requested, pack_delivered, discrepancy_approved", "error_tracking": "Source-mapped error tracking", "security_monitoring": "Cross-tenant access-attempt alerting", "cost_monitoring": "Per-tenant model-spend dashboard", "dashboards": [ "Ops dashboard", "Economics dashboard" ], "alert_thresholds": [ "Auto-match rate <80%", "Reviewer minutes >180/cycle" ], "triage": "On-call reviews alert, checks tenant scope, escalates per runbook" }, "cost": { "drivers": [ { "name": "Model inference per census & fee-schedule extract", "note": "Scales with census & fee-schedule extract volume, falls per-census & fee-schedule extract as parser coverage grows" }, { "name": "Reviewer labor minutes", "note": "Falls with auto-match rate improvement" }, { "name": "Object storage", "note": "Linear with client count, low absolute cost" } ], "likely_traps": [ "Over-provisioning background workers before real volume data exists" ], "controls": [ "Per-tenant budget caps", "Monthly cost-per-client dashboard review" ] }, "multi_tenancy": { "model": "Shared infrastructure, logical isolation", "isolation": "Row-level security keyed on tenant_id", "tenant_aware_authz": "Every capability check includes tenant_id", "tenant_config": "Per-firm state regulator list and invoice-schedule config", "branding": "N/A at launch (internal-only console)", "tenant_export": "Full-cycle export available on request", "tenant_deletion": "Soft-delete then hard-delete on retention expiry", "tenant_audit": "Per-tenant audit log export", "noisy_neighbor": "Per-tenant concurrency and budget caps", "tenant_rate_limits": "Per-tenant model-call budget", "billing": "Stripe, flat monthly + one-time scan fee", "why_this_fits": "Small client count at launch makes logical isolation sufficient; a hard single-tenant requirement would trigger a per-client deployment exception." }, "privacy_compliance": { "data_classification": "Financial/PII tiers documented in product.security.data_classifications", "minimization": "Only fields needed for matching/recovery retained", "consent": "Engagement letter + state regulator-communication authorization", "access_logs": "Per-access logged with actor + timestamp", "audit_trails": "Append-only, hash-chained", "retention": "7 years on ledgers/dockets; 13 months on agent logs", "legal_hold": "Manual legal-hold flag overrides retention deletion", "right_to_delete": "Honored post-retention-window or on contract termination per engagement letter", "right_to_export": "Full-cycle export available on request", "sensitive_handling": "GLBA-adjacent NPI handling program", "boundaries": "No account owner activity; no fund custody; no tax/legal advice", "residency": "US-only at launch", "vendor_risk": "Single model-provider risk documented; dual-provider fallback on the roadmap", "breach_response": "Documented incident-response runbook", "admin_controls": "Break-glass access logged and time-boxed", "evidence_collection": "Audit-log export within 24 hours of a breach or dispute" }, "frontend": { "framework": "React (internal reviewer console)", "rendering": "Client-rendered SPA for the console; static self-contained HTML for the public microsite", "routing": "Client-side router for the console", "state": "Local + server-state cache", "server_state": "Fetched per reviewer session", "forms": "Native form elements with client + server validation", "error_handling": "Structured error boundaries", "components": "Design-token-driven component library", "design_system": "Semantic tokens per DESIGN-STANDARD.md", "auth_ui": "SSO redirect flow", "authz_aware_ui": "Capability-gated UI elements", "a11y": "WCAG 2.2 AA target", "i18n": "en-US only at launch", "performance": "Console not performance-critical (internal); microsite budget ≤120KB, no external requests", "bundling": "Standard bundler, code-split by module", "testing": "Component + e2e tests on reviewer surfaces", "offline": "Not supported at launch", "realtime": "Not needed at launch" }, "backend": { "framework": "Node/TypeScript service", "layering": "domain / application / infra per module", "domain": "Aggregates + value objects per bounded context", "services": "Application services orchestrate domain + infra", "repositories": "One repository per aggregate root", "validation": "Schema validation at every boundary", "authorization": "Server-side capability checks only", "jobs": "Background job queue for extraction/matching", "events": "In-process event dispatch at launch", "files": "Object storage adapter", "email_sms": "Email adapter for client comms and state regulator inquiries", "scheduled": "Aging-escalation checks run daily", "errors": "Structured error types per layer", "logging": "Structured, tenant-scoped, PII-scrubbed", "config": "Environment-based config, no secrets in code", "di": "Constructor-based dependency injection", "testing": "Unit + contract + e2e per module" }, "diagrams": { "context_mermaid": "graph TD; Firm-->Intake; Intake-->Recovery; Recovery-->Recovery; Recovery-->QA", "container_mermaid": "graph TD; Console-->API; API-->Postgres; API-->ObjectStorage; API-->ModelProvider", "data_flow_mermaid": "graph LR; Census extract-->Extraction-->Matching-->Docket-->Ledger-->Pack", "auth_flow_mermaid": "graph LR; Reviewer-->SSO-->MFA-->Session", "authz_flow_mermaid": "graph LR; Request-->RoleCheck-->TenantCheck-->Allow", "deployment_mermaid": "graph TD; PR-->Preview-->Main-->Production", "background_job_mermaid": "graph LR; Queue-->Worker-->Retry-->DLQ", "event_flow_mermaid": "graph LR; CensusExtractNormalized-->MatchingCompleted-->DiscrepancyApproved-->LedgerSigned", "failure_flow_mermaid": "graph LR; Failure-->Retry-->CircuitBreaker-->Alert", "multi_tenant_flow_mermaid": "graph LR; Request-->TenantContext-->RowLevelSecurity-->Data", "ai_flow_mermaid": "graph LR; Census extract-->ExtractionAgent-->MatchingAgent-->DrafterAgent-->Reviewer" }, "adrs": [ { "id": "ADR-001", "decision": "Adopt a modular monolith, not microservices, at launch", "status": "accepted", "context": "Founder-operated team; low ops burden required", "options": [ "Modular monolith", "Microservices per bounded context", "No-code workflow tool" ], "chosen": "Modular monolith", "business_reason": "Fastest path to first paid pilot without a platform team", "technical_reason": "One deploy, one audit boundary, easy to reason about at this scale", "tradeoffs": "Will need extraction into services if reviewer-console load grows sharply", "risks": [ "[PLACEHOLDER] owner to complete" ], "revisit_trigger": "Sustained CPU/latency pressure isolated to one module", "why": "One deploy, one audit boundary, easy to reason about at this scale", "consequences": [ "[PLACEHOLDER] owner to complete" ], "reversal": "Would require a migration of the affected module's data model.", "revisit_when": "Sustained CPU/latency pressure isolated to one module" }, { "id": "ADR-002", "decision": "Deterministic code owns all money math; the model never computes a final dollar figure", "status": "accepted", "context": "Penny-perfect tie-out is a hard trust requirement", "options": [ "Model computes totals", "Deterministic code computes totals, model only extracts/classifies" ], "chosen": "Deterministic code computes totals", "business_reason": "A wrong dollar figure from a model is the single fastest way to lose a client's trust", "technical_reason": "Removes an entire class of hallucination risk from the highest-stakes output", "tradeoffs": "Slightly more engineering work per new transaction-type edge case", "risks": "Edge cases not yet coded fall through to reviewer manual calculation", "revisit_trigger": "None — this is a standing invariant, not revisited", "why": "Removes an entire class of hallucination risk from the highest-stakes output", "consequences": "Slightly more engineering work per new transaction-type edge case", "reversal": "Would require a migration of the affected module's data model.", "revisit_when": "None — this is a standing invariant, not revisited" } ], "roadmap": [ { "phase": "Phase 0 — Discovery + pilot LOI", "weeks": "Weeks 1-2", "outcomes": [ "3-5 pilot firm LOIs", "Evidence pack from each pilot firm", "Written ICP + pricing hypothesis" ], "exit_criteria": [ "≥3 LOIs signed", "Owner-action ledger populated per firm", "Reviewer identity confirmed" ], "kill_criteria": [ "<2 LOIs after 2 weeks", "No willingness-to-pay signal above pilot price" ], "build": [ "3-5 pilot firm LOIs", "Evidence pack from each pilot firm", "Written ICP + pricing hypothesis" ], "defer": [ "[PLACEHOLDER] owner to complete" ], "monitor": [ "≥3 LOIs signed", "Owner-action ledger populated per firm", "Reviewer identity confirmed" ], "avoid": [ "<2 LOIs after 2 weeks", "No willingness-to-pay signal above pilot price" ], "acceptable_debt": [ "[PLACEHOLDER] owner to complete" ], "dangerous_debt": [ "[PLACEHOLDER] owner to complete" ], "triggers_to_change": [ "[PLACEHOLDER] owner to complete" ] }, { "phase": "Phase 1 — Thin vertical slice", "weeks": "Weeks 3-4", "outcomes": [ "Intake -> match -> reviewer signoff -> delivery working end-to-end for one financial & resident-management system (FRMS) format", "Audit trail wired", "Instrumentation live" ], "exit_criteria": [ "1 real Invoice Leakage Scan delivered + reviewer-signed", "p95 workflow latency published" ], "kill_criteria": [ "Reviewer signoff cycle >10 business days", "Evidence bundle cannot be reconstructed on demand" ], "build": [ "Intake -> match -> reviewer signoff -> delivery working end-to-end for one financial & resident-management system (FRMS) format", "Audit trail wired", "Instrumentation live" ], "defer": [], "monitor": [ "1 real Invoice Leakage Scan delivered + reviewer-signed", "p95 workflow latency published" ], "avoid": [ "Reviewer signoff cycle >10 business days", "Evidence bundle cannot be reconstructed on demand" ], "acceptable_debt": "Manual state regulator follow-up and onboarding at pilot scale", "dangerous_debt": "Skipping the reviewer-signoff gate under volume pressure", "triggers_to_change": "Kill/pivot criteria met at any phase gate" }, { "phase": "Phase 2 — Pilot cohort", "weeks": "Weeks 3-8", "outcomes": [ "10 pilot firms scanned", "First standard-price desk conversion", "SOC 2 Type I scoping" ], "exit_criteria": [ "≥1 standard-price contract", "Post-scan debrief trust signal captured", "Postmortem cadence in place" ], "kill_criteria": [ "No standard-price conversion by Day 90", "Scan-to-desk conversion below 25%" ], "build": [ "10 pilot firms scanned", "First standard-price desk conversion", "SOC 2 Type I scoping" ], "defer": [], "monitor": [ "≥1 standard-price contract", "Post-scan debrief trust signal captured", "Postmortem cadence in place" ], "avoid": [ "No standard-price conversion by Day 90", "Scan-to-desk conversion below 25%" ], "acceptable_debt": "Manual state regulator follow-up and onboarding at pilot scale", "dangerous_debt": "Skipping the reviewer-signoff gate under volume pressure", "triggers_to_change": "Kill/pivot criteria met at any phase gate" }, { "phase": "Phase 3 — Recurring-desk scale-up", "weeks": "Weeks 9-13 (Day 90 checkpoint)", "outcomes": [ "Public commercial launch of the microsite as 'ready'", "Recovery-share rider and Diligence Tie-Out line active", "Owner-action ledger closed for launch" ], "exit_criteria": [ "COGS/rework/cycle-time measured against target", "Expansion beyond the pilot cohort gated on targets, not calendar time" ], "kill_criteria": [ "Rework rate persistently above 3%", "Reviewer minutes per client not falling with volume" ], "build": [ "Public commercial launch of the microsite as 'ready'", "Recovery-share rider and Diligence Tie-Out line active", "Owner-action ledger closed for launch" ], "defer": [], "monitor": [ "COGS/rework/cycle-time measured against target", "Expansion beyond the pilot cohort gated on targets, not calendar time" ], "avoid": [ "Rework rate persistently above 3%", "Reviewer minutes per client not falling with volume" ], "acceptable_debt": "Manual state regulator follow-up and onboarding at pilot scale", "dangerous_debt": "Skipping the reviewer-signoff gate under volume pressure", "triggers_to_change": "Kill/pivot criteria met at any phase gate" } ], "anti_overengineering": { "flagged": [ { "item": "Client-facing portal at launch", "why": "No client has asked for self-serve status; email/upload-link delivery is sufficient at pilot scale.", "simpler": "Defer to year 1, gated on client demand signal." }, { "item": "Vector search / embeddings", "why": "Data volume at launch doesn't justify it; structured retrieval suffices.", "simpler": "Structured per-firm and per-state regulator lookup." }, { "item": "Microservices per bounded context", "why": "Premature operational complexity for a founder-operated launch.", "simpler": "Modular monolith with enforced module boundaries." } ] }, "risks": [ { "risk": "financial & resident-management system (FRMS) vendor bundles recovery 'free' with a chase workflow", "likelihood": "medium-high", "impact": "high", "mitigation": "financial & resident-management system (FRMS)-agnostic positioning; recovery/chase as the human moat", "detection": "Applied Recon or a competing financial & resident-management system (FRMS) module adds chase/recovery features", "owner": "owner", "escalation": "Reviewer -> Senior Reviewer -> Owner -> Counsel", "fallback": "financial & resident-management system (FRMS)-agnostic positioning; recovery/chase as the human moat", "category": "business" }, { "risk": "Scan-to-desk conversion underperforms", "likelihood": "medium", "impact": "severe", "mitigation": "Pilot gate at 25%; alternative packaging tested in cohort 2", "detection": "Pilot cohort conversion below 25%", "owner": "owner", "escalation": "Reviewer -> Senior Reviewer -> Owner -> Counsel", "fallback": "Pilot gate at 25%; alternative packaging tested in cohort 2", "category": "business" }, { "risk": "False-positive discrepancy sent to a state regulator", "likelihood": "medium", "impact": "high", "mitigation": "100% reviewer approval; evidence-link requirement; inquiry-not-demand language", "detection": "State Regulator disputes an inquiry as unfounded", "owner": "legal", "escalation": "Reviewer -> Senior Reviewer -> Owner -> Counsel", "fallback": "100% reviewer approval; evidence-link requirement; inquiry-not-demand language", "category": "business" } ], "rules": [ "No cross-module database table sharing", "No model call computes final money math", "No public claim before owner-action facts close" ], "audit": { "product_fit": 4, "simplicity": 4, "security": 4, "reliability": 4, "scalability": 3, "maintainability": 4, "performance": 4, "cost": 4, "compliance": 3, "dx": 4, "ops_burden": 4, "extensibility": 4, "team_suitability": 4, "time_to_market": 4, "recommendation": { "verdict": "conditional-go", "stack": "Node/TypeScript + Postgres + single frontier-model provider", "style": "modular monolith", "database": "Postgres with row-level tenant security", "hosting": "Single-region, multi-AZ", "auth": "SSO + MFA for reviewers", "ai_approach": "Scripted extraction/matching/drafting pipeline with reviewer gates", "integrations": "financial & resident-management system (FRMS) export ingestion, resident census & fee-schedule extract intake, QuickBooks/financial & resident-management system (FRMS) posting export", "build_first": [ "Intake & Normalization", "Recovery & Matching" ], "revisit_later": [ "Client-facing portal", "Public API" ], "avoid": [ "Microservices", "Vector search at this scale" ], "biggest_risks": [ "Reviewer bottleneck", "A state regulator-facing claim proves incorrect" ], "top_10_rules": [ "No cross-module database table sharing", "No model call computes final money math", "No public claim before owner-action facts close", "Deterministic code owns all money math", "Reviewer gate on every client- or state regulator-facing output" ], "first_10_steps": [ "Confirm the named CCRC compliance reviewer + engagement letter on file", "Populate owner-action ledger with entity, jurisdiction, contact inbox, privacy inbox", "Open pilot-cohort intake (cap 10) with explicit pricing conversation", "Write ICP + kill/pivot criteria in the plan file", "Stand up the evidence-linked intake -> match -> reviewer signoff loop", "Wire append-only audit log + hash-chained snapshots", "Add row-level auth + tenant-scoped retrieval indices", "Instrument scan-request, pack-delivery, and reviewer-signoff events", "Publish the microsite with FAQPage schema only and noindex until owner-facts close", "Schedule the Day-90 kill/pivot review with executive sponsor" ] } } }, "design": { "slug": "firm-overdue-invoice-invoice-recovery-desk", "archetypes": [ "ledger / disclosure desk", "back-office trust interface" ], "user_mindset": { "goals": "Find out fast whether state regulators are underpaying, without operating new software", "session_length": "Short, task-focused (scan intake, monthly pack review)", "confidence": "Numerate, skeptical of unproven claims — wants evidence, not a dashboard", "interface_needs": "Clear evidence chain from census & fee-schedule extract line to ledger to signature" }, "posture": [ "calm", "numerate", "institutional-but-warm" ], "density": "compact", "trust_level": { "tier": "high", "sensitive_domains": [ "Firm financial data", "Account owner payout data" ], "implications": [ "Every dollar figure must show its source", "No fabricated proof; honest placeholder slots until real cycles ship" ] }, "differentiation": { "avoid": [ "LifePlanClear avoid — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "Wheat/tractor-style vertical clip-art equivalents (generic finance-SaaS iconography)", "Alarm-red urgency banners" ], "strategy": "A ledger aesthetic — deep teal/ink against warm parchment, serif numerals — that reads like a specialist's workbook, not a dashboard demo." }, "territories": [ { "name": "Ledger Desk", "color_mood": "deep teal + warm parchment + amber accent", "typography": "Serif numerals, sans body", "density": "compact", "component_feel": "workbook-like, artifact-shaped cards", "motion": "minimal, calm", "fits": "Recovery/back-office trust interfaces", "risks": "Could read as too formal for a younger buyer persona (not a concern here — buyer is an CCRC executive director/CFO)" }, { "name": "Filing Desk", "color_mood": "similar palette family used elsewhere in the portfolio", "typography": "Serif display", "density": "compact", "component_feel": "filing-tab metaphor", "motion": "minimal", "fits": "Deadline-driven filing businesses", "risks": "Wrong metaphor here — no single filing deadline exists in this business" }, { "name": "Recovery Console", "color_mood": "cooler blue-gray, more software-dashboard feeling", "typography": "Sans-only", "density": "dense", "component_feel": "dashboard-like", "motion": "minimal", "fits": "A future client-facing portal, not the launch microsite", "risks": "Reads too much like software the client has to operate — against the done-for-you positioning" } ], "chosen_territory": "Ledger Desk", "chosen_rationale": "The Disclosure Statement is the deliverable; the ledger-desk metaphor keeps every screen artifact-shaped, the way a account owner or acquirer would want to see it.", "prioritized_components": [ { "name": "Hero with cycle-status panel", "why": "Core to the conversion path from stat proof to pricing trust to CTA" }, { "name": "Stat strip (real, sourced figures)", "why": "Core to the conversion path from stat proof to pricing trust to CTA" }, { "name": "Deliverable cards", "why": "Core to the conversion path from stat proof to pricing trust to CTA" }, { "name": "Pricing tiers with guarantee callout", "why": "Core to the conversion path from stat proof to pricing trust to CTA" }, { "name": "Honest placeholder proof slots", "why": "Core to the conversion path from stat proof to pricing trust to CTA" }, { "name": "FAQ", "why": "Core to the conversion path from stat proof to pricing trust to CTA" } ], "tokens": { "brand": "216 64% 28%", "brand-fg": "40 30% 97%", "surface": "40 30% 97%", "ink": "216 30% 14%", "muted": "216 14% 40%", "accent": "38 88% 46%" }, "type": { "display": "Georgia (system serif stack)", "body": "system-ui", "fonts_url": "" }, "signature": { "motif": "Mismatched census & fee-schedule extract cards resolving into one aligned ledger row", "render": "CSS-only shapes/borders, no imagery (120KB budget)" }, "patterns": [ { "name": "Card-based deliverable grid", "description": "See site/index.html implementation" }, { "name": "Stepped how-it-works numerals", "description": "See site/index.html implementation" }, { "name": "Dashed placeholder proof slots", "description": "See site/index.html implementation" } ], "states": [ "matched (state-ok)", "at-risk/short-paid (state-risk)", "pending state regulator response (state-pending)", "blocked/needs input (state-blocked)" ], "uniqueness_audit": { "app_specific_decisions": [ "Ledger-teal + amber palette distinct from the portfolio's other palettes", "Census extract-to-ledger visual motif specific to this business's workflow" ], "cliches_avoided": [ "LifePlanClear cliches avoided — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "No stock handshake/office imagery" ], "scale_notes": "Palette and motif chosen to be visually distinct from sibling businesses in the same multi-tenant site." }, "localization": [ "en-US only at launch" ] }, "seo": { "slug": "ccrc-continuing-care-disclosure-actuarial-readiness-desk", "archetype": "outcome-priced back-office authority site", "archetype_impact": "Search fit is a back-office trust authority site, not a filing-deadline authority site. That means depth on state regulator-format and discrepancy-classification specifics, evergreen (not deadline-driven) content cadence.", "authority_dna": { "site_archetype": "outcome-priced back-office authority site", "monetization_model": "B2B lead -> Invoice Leakage Scan -> paid Disclosure Desk engagement (not ad revenue; not affiliate).", "main_search_intents": [ "informational", "commercial" ], "topical_authority_opportunity": "Own the \"CCRC disclosure & actuarial-readiness compliance\" topic cluster by covering overdue-invoice census & fee-schedule extract formats, state regulator-quirk patterns, discrepancy classification, and account owner-payout disputes better than any single trade-press explainer.", "local_seo_opportunity": "Not justified: buyers search by problem/financial & resident-management system (FRMS) platform, not by city.", "global_national_opportunity": "National (US-first); state CCRC regulation varies but the core service is not state-gated.", "easiest_ranking_path": "Long-tail, state regulator-specific and financial & resident-management system (FRMS)-specific queries (\"HawkSoft overdue disclosure & actuarial-readiness compliance\", \"why is my census & fee-schedule extract short\") where the SERP is dominated by vendor blog posts, not buyer-first guides.", "hardest_ranking_path": "Head terms like \"CCRC disclosure software\" — dominated by aged SaaS vendor domains (Fintary, Invoicely, Core Invoices).", "trust_credibility_requirements": [ "Named human reviewer with role + credentials", "State Regulator/census & fee-schedule extract citations on every claim", "Last-reviewed date on regulatory/compliance pages", "Direct links to primary trade-press sources, not aggregators" ], "ymyl": true, "expert_review_needed": true, "site_structure": "Authority hub + narrow high-intent service page + linkable evidence assets. Not a directory. Not a marketplace.", "seo_moat": "Always-current per-financial & resident-management system (FRMS) and per-state regulator how-to pages with real anonymized teardown evidence, refreshed as the parser library grows." }, "search_market": { "primary_markets": [ "CCRC disclosure & actuarial-readiness compliance service", "overdue invoice disclosure & actuarial-readiness compliance", "invoice leakage scan" ], "secondary_markets": [ "account owner payout dispute resolution", "firm M&A invoice diligence", "financial & resident-management system (FRMS) disclosure & actuarial-readiness compliance how-to" ], "low_competition_subtopics": [ "state regulator-specific census & fee-schedule extract quirks", "as-earned vs annualized invoice leakage", "HawkSoft/EZLynx overdue disclosure & actuarial-readiness compliance how-to" ], "high_commercial_intent": [ "done-for-you disclosure & actuarial-readiness compliance service", "outsource CCRC disclosure & actuarial-readiness compliance", "disclosure & actuarial-readiness compliance service for CCRC operations firms" ], "informational": [ "what is overdue invoice disclosure & actuarial-readiness compliance", "how to recover resident census & fee-schedule extracts", "why is my census & fee-schedule extract short" ], "local_intent": [ "[PLACEHOLDER] owner to complete" ], "transactional": [ "invoice leakage scan pricing", "book a disclosure & actuarial-readiness compliance consultation" ], "comparison": [ "disclosure & actuarial-readiness compliance service vs software", "LifePlanClear vs Comulate vs ReSource Pro" ], "problem_solution": [ "state regulator underpaid my invoice what to do", "account owner payout dispute resolution" ], "near_me": [ "[PLACEHOLDER] owner to complete" ], "long_tail": [ "HawkSoft overdue invoice disclosure & actuarial-readiness compliance", "as-earned invoice chargeback explained", "AMS360 disclosure & actuarial-readiness compliance how-to" ], "questions": [ "what records does a disclosure & actuarial-readiness compliance need?", "who reviews a invoice leakage scan?", "how long does disclosure & actuarial-readiness compliance take?" ], "emerging": [ "AI-assisted census & fee-schedule extract extraction", "automated state regulator inquiry drafting" ], "seasonal": [ "tax-season invoice book cleanup", "firm M&A diligence season invoice verification" ], "underserved_serps": [ "state regulator-specific census & fee-schedule extract quirks", "account owner payout dispute resolution" ], "weak_serps": [ "invoice leakage self-check", "disclosure & actuarial-readiness compliance checklist" ], "forum_dominated_serps": [ "why is my census & fee-schedule extract short", "state regulator chargeback explained" ], "winnable_authoritative_serps": [ "overdue invoice disclosure & actuarial-readiness compliance definitive guide", "invoice leakage scan evidence requirements" ], "avoid_initially": [ "CCRC disclosure software", "best invoice tracking tools" ], "easy_wins": [ "state regulator-specific census & fee-schedule extract quirks", "disclosure & actuarial-readiness compliance checklist", "account owner payout dispute anatomy" ], "moderate": [ "overdue invoice disclosure & actuarial-readiness compliance definitive guide", "firm M&A invoice diligence" ], "long_term_plays": [ "CCRC disclosure software comparison", "portfolio-level multi-firm recovery" ], "do_not_pursue": [ "generic \"how to start a bookkeeping business\" content", "celebrity or trend-jacking posts", "AI-generated listicles" ] }, "keyword_clusters": [ { "primary": "overdue invoice disclosure & actuarial-readiness compliance service", "related": [ "done-for-you disclosure & actuarial-readiness compliance", "outsource disclosure & actuarial-readiness compliance" ], "intent": "commercial", "user_problem": "Firm suspects state regulator underpayment and needs a done-for-you fix", "funnel": "BOFU", "business_value": "high", "ranking_difficulty": "medium", "conversion_potential": "high", "content_effort": "medium", "serp_weakness": "Dominated by enterprise SaaS vendor pages, not small-firm-focused content", "local_relevance": "low", "global_relevance": "high", "suggested_page_type": "Pillar / service page", "reason": "High buyer intent + weak SERP for our segment", "priority_score": 17, "priority": "P0", "bucket": "easy-win" }, { "primary": "invoice leakage scan", "related": [ "invoice leakage self-check", "how much invoice am I missing" ], "intent": "commercial", "user_problem": "Wants a low-commitment diagnostic before a full engagement", "funnel": "TOFU", "business_value": "high", "ranking_difficulty": "low", "conversion_potential": "high", "content_effort": "low", "serp_weakness": "No existing competitor owns this exact term", "local_relevance": "low", "global_relevance": "high", "suggested_page_type": "Lead-magnet / calculator page", "reason": "Own a branded-term wedge outright", "priority_score": 16, "priority": "P0", "bucket": "easy-win" }, { "primary": "why is my resident census & fee-schedule extract short", "related": [ "state regulator underpaid invoice", "account owner payout dispute" ], "intent": "informational", "user_problem": "Immediate confusion moment after a light state regulator check", "funnel": "TOFU", "business_value": "medium", "ranking_difficulty": "low", "conversion_potential": "medium", "content_effort": "low", "serp_weakness": "Forum-dominated, thin", "local_relevance": "low", "global_relevance": "high", "suggested_page_type": "How-to / FAQ page", "reason": "Easy win + strong lead-magnet fit", "priority_score": 14, "priority": "P0", "bucket": "easy-win" } ], "topical_authority_map": { "core_topics": [ "LifePlanClear core topics — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "State Regulator-quirk & discrepancy classification library", "Account owner payout dispute resolution" ], "pillars": [ { "name": "LifePlanClear name — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "core_intent": "informational", "audience": "CCRC executive directors/CFOs and ops managers", "conversion_goal": "Self-check / scan request", "supporting_pages": [ "What a chargeback should look like on your ledger", "As-earned vs annualized leakage", "resident census & fee-schedule extract formats explained" ], "internal_links": [ "/", "/resources/self-check" ], "schema": [ "Article", "BreadcrumbList", "FAQPage (where genuine)" ], "evidence_needed": [ "Named reviewer", "Primary-source citations", "Worked example" ], "local_variants": [ "[PLACEHOLDER] owner to complete" ], "national_variants": [ "US-national (default)" ] }, { "name": "Invoice Leakage Scan evidence & trust", "core_intent": "commercial", "audience": "CCRC executive directors/CFOs", "conversion_goal": "Book a scan", "supporting_pages": [ "Anatomy of a Leakage Scan", "One state regulator, 12 months, $X missing" ], "internal_links": [ "/#diagnostic", "/resources/evidence" ], "schema": [ "Article", "FAQPage", "BreadcrumbList" ], "evidence_needed": [ "Worked evidence artifact", "Reviewer credential" ], "local_variants": [], "national_variants": [ "US-national" ] } ], "supporting_page_types": [ "definition / glossary", "how-to workflow", "edge-case handling", "worked example", "FAQ", "comparison (only when honest)", "evidence artifact / template" ] }, "site_architecture": { "homepage_strategy": "Single-page conversion-focused microsite; deep content lives in a future /resources hub", "main_nav": [ "Pricing", "FAQ", "Operating blueprint" ], "footer_nav": [ "Compliance", "Operating blueprint" ], "hubs": [ { "name": "Resources hub", "purpose": "House long-form authority content", "url": "/resources (future)" } ], "url_patterns": [ "/firm-overdue-invoice-invoice-recovery-desk/" ], "avoid_url_patterns": [ "Thin per-state regulator programmatic pages with no unique evidence" ] }, "global_national": { "national_clusters": [ "LifePlanClear national clusters — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail." ], "linkable_assets": [ "Invoice Leakage Self-Check calculator" ], "original_research_ideas": [ "Aggregate pilot-cohort leakage statistics once cohort completes" ], "international_needed": false, "international_notes": "US-only CCRC operations regulation; no international expansion in scope" }, "local_seo": { "justified": false, "reason": "Buyers search by problem/financial & resident-management system (FRMS) platform, not location", "gbp_categories_primary": [ "[PLACEHOLDER] owner to complete" ], "gbp_categories_secondary": [ "[PLACEHOLDER] owner to complete" ], "location_page_rules": [ "[PLACEHOLDER] owner to complete" ], "citations": [ "[PLACEHOLDER] owner to complete" ], "review_strategy": "No fabricated reviews; real testimonials only after pilot cohort completes with permission", "local_schema": [ "[PLACEHOLDER] owner to complete" ] }, "programmatic": { "recommended": false, "reason": "No large structured dataset justifies programmatic pages at launch", "rules": [ "[PLACEHOLDER] owner to complete" ], "per_page_requirements": [ "[PLACEHOLDER] owner to complete" ], "quality_gates": [ "[PLACEHOLDER] owner to complete" ] }, "page_templates": [ { "page_type": "Pillar/service page", "purpose": "Convert a qualified visitor into a scan request", "target_intent": "commercial", "url_pattern": "/firm-overdue-invoice-invoice-recovery-desk/", "title_pattern": "{Brand} — {outcome} for {audience}", "meta_description_pattern": "{Brand} for {audience}. {outcome} — {price/SLA}.", "h1_pattern": "{Outcome-led headline}", "outline": [ "Hero", "Stat strip", "Pain", "Deliverables", "How it works", "Pricing", "Proof", "FAQ", "Compliance" ], "above_the_fold": [ "[PLACEHOLDER] owner to complete" ], "internal_links": [ "Operating blueprint dossier" ], "schema": [ "FAQPage", "Service" ], "cta_strategy": "Single primary CTA (scan request), secondary deep-links only", "conversion_elements": [ "Guarantee beside pricing", "Honest placeholder proof" ], "trust_elements": [ "Compliance section", "Named reviewer (pending owner action)" ], "faq_opportunities": [ "Objection-derived FAQ" ], "media": [ "[PLACEHOLDER] owner to complete" ], "quality_requirements": [ "No banned phrases", "Contrast-checked palette" ], "anti_thin_rules": [ "Every claim sourced or explicitly placeholdered" ] } ], "on_page_rules": { "title_tag": "Primary keyword + brand, under 60 chars", "meta_description": "Under 155 chars, states the outcome", "headings": "One H1, ordered H2/H3", "intro": "Answer the query in the first 2 sentences", "snippet_targeting": "Direct-answer paragraphs above the fold", "tables_lists": "Used for pricing and comparison content only", "images": "None required at launch (text-first authority content)", "internal_links": "Link every supporting page back to the pillar", "external_citations": "Link primary trade-press/vendor sources by name", "author_attribution": "Named reviewer bio on YMYL pages", "freshness": "Quarterly re-verification of dollar figures and vendor claims", "cta_placement": "End of every page + inline after the core answer", "mobile": "Mobile-first responsive layout", "avoid": [ "Keyword stuffing", "Thin AI-generated filler" ] }, "entity_seo": { "main_entities": [ "LifePlanClear", "Disclosure Desk", "Invoice Leakage Scan" ], "related_entities": [ "Comulate", "ReSource Pro", "Applied Recon", "AgencyBloc" ], "people": [ "Named CCRC compliance reviewer" ], "orgs": [ "Big \"I\"", "state CCRC operations departments" ], "tools": [ "EZLynx", "HawkSoft", "AMS360", "QQCatalyst", "Applied Epic" ], "regulations": [ "State account owner-licensing statutes", "State collection-agency statutes" ], "problems": [ "Invoice underpayment", "Account owner payout disputes" ], "solutions": [ "Disclosure Desk", "Invoice Leakage Scan" ], "processes": [ "Intake", "Matching", "Discrepancy review", "Delivery" ], "alternatives": [ "Enterprise SaaS", "BPO services", "Specialist bookkeeping firms" ], "synonyms": [ "disclosure & actuarial-readiness compliance", "overdue-disclosure & actuarial-readiness compliance", "disclosure & actuarial-readiness compliance" ] }, "schema_strategy": [ { "type": "FAQPage", "where": "Homepage FAQ section", "required_fields": [ "mainEntity", "acceptedAnswer" ], "caution": "Only genuine, answered questions — no fabricated Q&A" }, { "type": "Service", "where": "Homepage, with a real-entity Organization provider", "required_fields": [ "provider", "areaServed", "serviceType" ], "caution": "No review/rating/aggregateRating" } ], "internal_linking": { "pillar_to_cluster": "Every pillar links to its supporting pages", "cluster_to_pillar": "Every supporting page links back to its pillar", "cluster_to_cluster": "Cross-linked where the buyer journey naturally continues", "service_to_location": "N/A (no location pages)", "faq_to_commercial": "FAQ answers link to the pricing section", "breadcrumbs": "Present on all supporting content pages", "anchor_text_rules": [ "Descriptive, not \"click here\"" ] }, "technical_seo": { "crawlability": "noindex at launch until owner-action facts close", "indexability": "Enabled post-launch review", "sitemaps": "Generated once indexable", "robots": "noindex,nofollow at launch", "canonicals": "Self-canonical", "pagination": "N/A", "faceted_nav": "N/A", "duplicate_control": "Single canonical URL per page", "redirects": "N/A at launch", "core_web_vitals": "LCP ≤2.5s, INP ≤200ms, CLS ≤0.1 budget enforced", "mobile": "Mobile-first responsive", "accessibility": "WCAG 2.2 AA", "js_seo": "Minimal JS, server-renderable content", "rendering": "Static self-contained HTML", "gsc_setup": "Pending owner action", "analytics_setup": "Pending owner action", "rank_tracking": "Pending owner action" }, "eeat": { "author_bios": "Named reviewer bio pending owner action", "expert_reviewers": "Named CCRC compliance reviewer", "editorial_policy": "Facts cited to primary/trade-press sources; vendor-sponsored claims labeled", "fact_checking": "Quarterly re-verification cadence", "credentials": [ "CCRC compliance reviewer credentials — pending owner action" ], "citations": "Every load-bearing statistic cited by source name", "first_hand_proof": [ "Anonymized pilot-cohort teardowns once available" ], "update_cadence": "Quarterly", "monetization_disclosure": "Service pricing disclosed on the pricing section itself", "ymyl_notes": "Treated as YMYL due to financial-advice-adjacent content; no coverage/legal/tax advice given" }, "ai_search": { "principles": [ "Answer the exact question asked, directly and first", "Cite named sources, not vague claims" ], "tactics": [ "FAQ schema on genuine FAQs", "Definitive per-topic guides answer engines can cite" ], "do_not": [ "Fabricate statistics", "Claim certifications not held" ] }, "conversion": { "primary_cta": "Start a free Invoice Leakage Scan", "secondary_cta": "See what's in the pack", "lead_magnets": [ "Invoice Leakage Self-Check", "State Regulator Census extract Survival Kit" ], "trust_elements": [ "Guarantee + out-clause beside pricing", "Compliance section with licensing boundary" ], "per_page_paths": [ { "path": "Homepage -> scan request", "page_type": "pillar" } ], "tracking": "data-event taxonomy per DESIGN-STANDARD §4" }, "link_earning": { "digital_pr_ideas": [ "Aggregate anonymized pilot-cohort leakage statistics as original research" ], "original_research": [ "Average invoice leakage by state regulator mix (post-pilot)" ], "directories": [ "State Big \"I\"/PIA association vendor resource pages" ], "expert_contributions": [ "Guest posts on financial & resident-management system (FRMS) user-community blogs" ], "partnerships": [ "CPA/bookkeeper referral partners" ], "avoid": [ "Paid link schemes", "Low-quality directory submissions" ] }, "roadmap_90d": [ { "phase": "Launch", "goal": "Publish core microsite", "pages": [ "Homepage" ], "keywords_targeted": [ "overdue invoice disclosure & actuarial-readiness compliance service" ], "required_assets": [ "Self-check lead magnet" ], "internal_links": [ "[PLACEHOLDER] owner to complete" ], "difficulty": "low", "business_value": "high", "conversion_goal": "Scan requests", "why_first": "Foundation for every other page" } ], "roadmap_12m": [ { "phase": "Authority hub", "goal": "Build /resources content cluster", "pages": [ "Definitive guide", "Per-financial & resident-management system (FRMS) how-tos" ], "keywords_targeted": [ "state regulator-specific census & fee-schedule extract quirks" ], "required_assets": [ "Anonymized pilot-cohort statistics" ], "internal_links": [ "Homepage" ], "difficulty": "medium", "business_value": "medium", "conversion_goal": "Organic scan requests", "why_first": "Compounding organic channel per the GTM kit" } ], "priority_pages": [ { "rank": 1, "page_title": "LifePlanClear homepage", "slug": "/firm-overdue-invoice-invoice-recovery-desk/", "page_type": "pillar/service", "primary_keyword": "overdue invoice disclosure & actuarial-readiness compliance service", "secondary_keywords": [ "invoice leakage scan" ], "intent": "commercial", "funnel": "BOFU", "business_value": "high", "difficulty": "medium", "conversion_potential": "high", "cta": "Start a free Invoice Leakage Scan", "schema": [ "FAQPage", "Service" ], "internal_links": [ "/resources (future)" ], "required_proof": [ "[PLACEHOLDER] owner to complete" ], "why_opportunity": "Owns the branded wedge term outright", "production_priority": "P0", "scope": "Launch" } ], "competitor_gaps": { "typical_competitor_types": [ "Enterprise SaaS vendor blogs", "BPO service pages", "Generic bookkeeping content" ], "common_weaknesses": [ "Written for large clients, not the $500K-$5M firm", "No state regulator-specific evidence" ], "how_to_beat_them": [ "Publish small-firm-specific, state regulator-specific, evidence-first content" ] }, "metrics": { "weekly": [ "Scan requests", "Self-check completions" ], "monthly": [ "Organic scan requests", "Keyword ranking movement on P0 terms" ], "quarterly": [ "Fresh-verification pass on all cited statistics" ], "annual": [ "Full content-cluster audit" ] }, "risks": [ { "risk": "YMYL scrutiny on financial-outcome claims without named-reviewer attribution", "applies": true, "mitigation": "Named reviewer attribution and quarterly re-verification" }, { "risk": "Competitor content targeting the same small-firm segment", "applies": true, "mitigation": "Named reviewer attribution and quarterly re-verification" } ], "first_20_pages": [ "Homepage", "Invoice Leakage Self-Check", "State Regulator Census extract Survival Kit", "LifePlanClear first 20 pages — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail." ], "first_10_tech_fixes": [ "Confirm noindex removed only after owner-action facts close", "Verify FAQ schema validates" ], "first_10_authority_actions": [ "Publish first 3 educational posts", "Launch the self-check lead magnet", "Pitch first association webinar" ], "final_recommendation": "Launch noindexed until owner-action facts (entity, reviewer identity, trademark clearance) close; then pursue a narrow, evidence-first authority strategy targeting the $500K-$5M firm segment the enterprise SEO content ignores.", "disclaimers": [ "LifePlanClear does not provide legal advice, does not represent itself as a law firm, and does not collect consumer/personal debt under any circumstance." ] }, "microsite": { "category": "CCRC continuing-care disclosure & actuarial-readiness compliance", "shortTitle": "LifePlanClear", "audience": "Executive directors, CFOs, and board treasurers of independent and small-group nonprofit or for-profit CCRC/Life Plan Community operators (single-campus to 2-4 campuses, entrance-fee contracts), with no in-house actuary, securities-disclosure counsel, or dedicated compliance officer.", "problem": "~2,000 CCRCs operate in the U.S. (~80% nonprofit); ~1,700+ are independent or small-group operators. 38 states require an annual continuing-care disclosure statement, and a growing subset (North Carolina explicitly; California actively legislating) requires an independent actuarial study. Most small operators have a finance team of one to three people, no actuary on staff, and rebuild the disclosure statement from a stale prior-year template each cycle.", "offer": "Free Disclosure Readiness Check → Disclosure Statement Build ($3,500-$8,000/yr, per community) + Actuarial-Readiness Data Package ($2,000-$5,000/study cycle) → optional Actuary Sign-Off (actuary's own fee + $1,500-$3,000 coordination fee) → optional Multi-State Operator Add-On (+$1,500-$3,500/yr per additional state).", "faq": [ { "q": "Is this debt collection that needs a license?", "a": "The AR Concierge tier (15–90 days) works as an extension of your own billing desk, under your brand voice, and is structured not to require a collection-agency license. Aged Accounts (180+ days) route to a licensed collection-agency partner. LifePlanClear does not represent itself as a licensed third-party collector until it holds direct state licensing." }, { "q": "Does the FDCPA apply?", "a": "The federal FDCPA (15 U.S.C. §1692a(5)) covers debts for personal, family, or household purposes — business-to-business debt is excluded by statutory definition. LifePlanClear collects 100% commercial debt only and hard-blocks any consumer/personal State Regulator." }, { "q": "What happens to a disputed invoice?", "a": "No Contingency Fee is charged on any disputed portion until it resolves. The Account is moved to the exception queue and a Compliance Reviewer — not AI — decides whether and how to pursue it." }, { "q": "What if the State Regulator still won’t pay?", "a": "Aged Accounts are documented and routed to a licensed collection-agency partner, or to the partner attorney network for a Legal Referral. LifePlanClear never files suit or gives legal advice in-house." }, { "q": "Is this the same as a collections agency?", "a": "No. A traditional agency is adversarial, charges 15–40%, and can take 120–180 days just to onboard. LifePlanClear starts on the earlier, larger tier of merely-late invoices, under your own brand, priced from 8–12% — and pays nothing until money lands." } ], "process": [ { "title": "Intake", "body": "Upload your census & fee-schedule extract, invoices, contacts, and prior correspondence; every State Regulator is confirmed 100% commercial." }, { "title": "Score", "body": "Each Account gets a recovery-probability read and an Escalation Tier." }, { "title": "Draft and approve", "body": "AI drafts the escalating reminder sequence; a Compliance Reviewer approves tone and escalation before anything sends." }, { "title": "Send and track", "body": "The cadence sends under your brand; Promise-to-Pay commitments are tracked and broken promises flagged." }, { "title": "Recover or place", "body": "Cash lands in your account, or the Account is documented and routed to a licensed collection-agency partner." } ], "northStarCta": { "label": "Get your free Disclosure Readiness Check", "href": "#start", "secondary_label": "See what's included", "secondary_href": "#deliverables" }, "trust": { "standards": [ "Done-for-you contingency recovery service — not a law firm, and not a licensed third-party collector until LifePlanClear holds direct state licensing", "Every State Regulator confirmed 100% commercial; consumer debt hard-blocked", "A human Compliance Reviewer reviews and sends every message; AI never contacts a State Regulator directly" ], "response_time": "AR Health Scan returned within 24–48 hours of a complete census & fee-schedule extract", "data_handling": "Signed DPA per Client, least-privilege access, retention limits, no State Regulator PII stored beyond necessity" }, "hook": "Your disclosure-statement deadline doesn't move, and no one on staff is an actuary.", "sub_headline": "Send your prior-year statement, audited financials, resident census, and fee schedules. Get a filed-ready continuing-care disclosure statement, an actuarial-readiness workpaper package, and a credentialed actuary's signed opinion — flat fee, 15 business days.", "dream_outcome": "A complete, defensible, filed disclosure statement and a credentialed actuary's opinion in your board's hands — without hiring an actuary or a securities-disclosure attorney onto your own small staff.", "specific_pains": [ "No one on staff has actuarial training, so the reserve-adequacy question goes unanswered until an auditor or board member forces it.", "The disclosure statement gets rebuilt from a stale prior-year template instead of current financial and census data.", "A multi-state operator must track a completely different regulating agency, format, and deadline in every state it operates in.", "A new state actuarial-study mandate (California advancing, North Carolina already tightened) creates an obligation the community has never had to meet before." ], "cost_of_inaction": "Residents at financially distressed CCRCs have publicly reported losing some or all of their entrance fees when a community could not pay its debts — the exact harm annual disclosure and actuarial-soundness review exists to prevent. A late or incomplete filing can also draw regulator findings on its own.", "mechanism": { "name": "Extract, draft, review, sign", "steps": [ { "title": "Extract & normalize", "body": "AI extracts and normalizes data from your audited financials, resident census, and fee schedules into a single tied-out working file." }, { "title": "Draft", "body": "AI drafts the disclosure statement in your state's exact format and assembles/pre-models the actuarial-readiness workpapers." }, { "title": "Review", "body": "A Compliance Reviewer checks completeness and current state-format accuracy before anything is delivered." }, { "title": "Sign", "body": "A credentialed actuary (FSA/MAAA), engaged independently, reviews the workpapers and signs the ASOP No. 3 opinion." } ] }, "offer_stack": [ { "item": "Disclosure Statement Build", "note": "$3,500-$8,000/yr, per community" }, { "item": "Actuarial-Readiness Data Package", "note": "$2,000-$5,000/study cycle" }, { "item": "Actuary Sign-Off coordination", "note": "actuary's fee + $1,500-$3,000" }, { "item": "Multi-State Operator Add-On", "note": "+$1,500-$3,500/yr per additional state" }, { "item": "Disclosure Readiness Check", "note": "free lead diagnostic, $0" } ], "guarantee": "Flat fee, quoted after your free Disclosure Readiness Check, before you engage — never hourly, never a percentage of your reserves, fees, or entrance-fee revenue.", "urgency": "Two live 2025-2026 state actions are tightening the requirement: California is advancing a bill to mandate CCRC actuarial studies, and North Carolina has already tightened its financial-transparency filing rules.", "objections": [ { "q": "Do you replace our auditor or attorney?", "a": "No — LifePlanClear does not provide legal advice, does not represent itself as a law firm or CPA firm, and does not perform an independent financial-statement audit." }, { "q": "Who signs the actuarial opinion?", "a": "A credentialed, independently engaged actuary (FSA/MAAA), never AI and never LifePlanClear staff." }, { "q": "Is this a percentage fee like a collections agency?", "a": "No — pricing is always flat fee, never a percentage of your reserves or revenue." } ], "who_this_is_not_for": [ "Large CCRC chains with an in-house actuary and securities-disclosure counsel already on staff", "Organizations seeking legal advice or litigation support rather than disclosure-statement production and actuarial-readiness workpaper support" ], "proof_pillars": [ { "title": "First engagement's disclosure statement accepted with no material findings", "body": "[PLACEHOLDER] Published once the first pilot engagement completes." }, { "title": "First credentialed actuary's signed opinion delivered on schedule", "body": "[PLACEHOLDER] Published once the first actuarial opinion is signed and delivered before its statutory deadline." }, { "title": "First named pilot-community testimonial", "body": "[PLACEHOLDER] Added only with written permission from a real, named pilot community." } ], "stakes_line": "Residents at financially distressed CCRCs have publicly reported losing some or all of their entrance fees when a community couldn't pay its debts — the exact harm annual disclosure and actuarial-soundness review exists to prevent.", "deliverable": "A state-formatted continuing-care disclosure statement, a full actuarial-readiness workpaper package, the actuary's signed ASOP No. 3 opinion (where engaged), and a plain-language board memo.", "unit_of_work": "One community's continuing-care disclosure statement and actuarial-readiness package, taken from raw financial/census data to a filed-ready, actuary-reviewed deliverable.", "lexicon": { "regulator": "State Regulator", "regulator_full": "the applicable state CCRC regulatory agency (insurance department, department of social services, financial-services agency, or aging/elder-services division, depending on the state)", "statute": "state continuing-care disclosure statutes and ASOP No. 3 (the actuarial standard of practice governing a CCRC actuarial opinion)", "statute_frame": "the intake-to-filing workflow where a missed or incomplete disclosure statement is a licensing and resident-protection risk for the community", "persona": "CCRC Executive Director / CFO", "persona_moment": "You're the CFO of a single-campus nonprofit CCRC with three people on your finance team. Your state's annual disclosure-statement deadline is six weeks out, your board is asking whether reserves are adequate, and nobody on staff has ever built an actuarial workpaper package.", "trigger_moment": "an approaching annual disclosure-statement deadline, a new state law adding an actuarial-study requirement, or an auditor/board question about reserve adequacy", "enforcement_stakes": "a late or incomplete disclosure statement can draw regulator findings, and an unaddressed reserve-adequacy question can undermine resident and bond-covenant confidence (outcomes vary case-by-case and are never guaranteed)", "retention": "the full audit trail of every filing cycle and actuary sign-off", "cta_verb": "Start a free Disclosure Readiness Check", "intake_checklist": [ "Prior-year continuing-care disclosure statement (if any)", "Current audited financial statements", "Resident census and unit-occupancy data", "Entrance-fee and monthly-fee schedules", "Signed engagement letter authorizing LifePlanClear to prepare filings on your behalf" ], "regulator_faqs": [ { "q": "Does our State Regulator know LifePlanClear prepared the filing?", "a": "Yes — every disclosure statement is filed by you, the operator, under your own name and authority; LifePlanClear's role as preparer is disclosed in the engagement letter, not hidden from the regulator." }, { "q": "Will a State Regulator treat a LifePlanClear-prepared filing differently than one built in-house?", "a": "No — it is evaluated the same either way. What changes is completeness and format accuracy: a Compliance-Reviewer-checked filing is built against the state's current requirement rather than a stale template." } ], "trust_standards_specific": [ "[PLACEHOLDER] owner to complete" ], "Community": "The CCRC/Life Plan Community operator that hires LifePlanClear; the aggregate root of the domain model.", "State Regulator": "The state agency (insurance, social services, financial-services, or aging/elder-services division) that receives the filed disclosure statement and, where applicable, the actuarial opinion.", "Compliance Reviewer": "The human who reviews every AI-drafted disclosure statement and workpaper package for completeness and state-format accuracy before it is delivered. AI drafts; the Compliance Reviewer checks.", "Disclosure Readiness Check": "The free diagnostic: LifePlanClear reviews a community's prior filing (if any) against its State Regulator's current requirement and returns a gap read.", "Disclosure Statement": "The complete, state-formatted continuing-care disclosure statement (census/unit data, fee schedules, audited-financial summary, reserve/escrow status) ready for state submission.", "Actuarial-Readiness Data Package": "The workpaper package (reserve trend, fee-sufficiency ratios, cash-flow projections) assembled and pre-modeled for the credentialed actuary's review.", "Actuary Sign-Off": "The credentialed actuary's (FSA/MAAA) signed ASOP No. 3 opinion on reserve adequacy and fee sufficiency, coordinated by LifePlanClear but signed independently.", "Multi-State Operator Add-On": "Ongoing tracking and filing for each additional state's distinct disclosure and actuarial-study requirements." }, "proof_angle": { "id": "honest-proof", "headline": "The numbers on this page are sourced; the recovery results are shown as honest placeholders until the first pilot cohort completes.", "lever": "LifePlanClear cites market and statute figures by name and marks every unproven recovery claim as a dashed placeholder, never a fabricated testimonial.", "outcome_verb": "trust", "outcome_frame": "trust a contingency service you only pay when money actually lands", "proof_promise": "No collect, no fee — and no invented case study standing in for results LifePlanClear has not yet earned." }, "indexable": true, "ubiquitousLanguage": { "audience": "independent P&C-led CCRC operator principals and ops/accounting managers, $500K-$5M annual invoice revenue, 15-80 state regulator engagements", "domain": "independent CCRC operator disclosure statement production and actuarial-readiness compliance", "deliverable": "Monthly Disclosure Package + reviewer release", "reviewer": "CCRC compliance reviewer", "record": "recovery-cycle history register", "unit_of_work": "recovery cycle", "cta_primary": "Start a free Invoice Leakage Scan", "cta_secondary": "See what's in the pack", "regulator": "State State CCRC Regulatory Departments", "regulator_full": "State State CCRC Regulatory Departments (account owner-licensing and collection-agency statute scope)", "statute": "State account owner-licensing and collection-agency statutes", "trigger_moment": "a account owner payout dispute, a state regulator check that looks light, or a tax-season/M&A diligence request", "event_intake_started": "agency_direct_bill_invoice_recovery_desk_intake_started", "event_conversation_requested": "agency_direct_bill_invoice_recovery_desk_conversation_requested", "Account": "A single overdue CCRC filing placed with LifePlanClear for recovery work; the aggregate root of the domain model.", "Client": "The small CCRC operator that hires LifePlanClear and receives Recovered Dollars, minus the Contingency Fee.", "State Regulator": "The Client's own customer who owes the unpaid invoice; must be 100% commercial/B2B, never a consumer (hard gate).", "Compliance Reviewer": "The human who approves every Escalation Tier change, makes every phone call, and negotiates every settlement. AI drafts; the Compliance Reviewer decides and sends.", "AR Health Scan": "The free diagnostic: LifePlanClear scores a Client's census & fee-schedule extract and returns a recovery-probability read per Account.", "Escalation Tier": "The Account's stage on the recovery ladder: AR Concierge → Standard Disclosure Desk → Aged/Placement Desk → Legal Referral.", "Promise-to-Pay": "A State Regulator’s logged commitment to pay a specific amount by a specific date; flagged the day it is broken.", "Contingency Fee": "The percentage of Recovered Dollars LifePlanClear charges for an Account’s Escalation Tier. No collect, no fee.", "Recovered Dollars Report": "The weekly Client-facing report showing dollars collected per Account, delivered every Friday during an active engagement.", "Placement": "Routing an Account to a licensed collection-agency partner (180+ days) or the partner attorney network (Legal Referral); never performed in-house until LifePlanClear holds direct state licensing." } }, "evidence": [ { "id": "firm-overdue-invoice-invoice-recovery-desk-e1", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "Identity", "claim_or_finding": "Operating entity declared: Your Deputy, Obuke LLC, support@yourdeputy.com; LifePlanClear is its service brand.", "status": "verified", "evidence": "Owner-supplied entity and support email; reflected in the landing-page footer and disclaimers.", "verification_command": "Owner submits entity + jurisdiction pack.", "fix_owner": "owner", "remediation": "Resolved — entity and contact declared. Remaining owner action: formal trademark/entity-name clearance for LifePlanClear before scaling.", "severity": "info" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-e2", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "Trust boundary", "claim_or_finding": "Public page is a validation microsite for a documentation/recovery-support service; not a licensed account owner, collection agency, or law firm.", "status": "verified", "evidence": "Microsite carries an explicit trust-boundary and scope disclaimer block.", "verification_command": "Inspect /firm-overdue-invoice-invoice-recovery-desk/ for trust boundary.", "fix_owner": "engineering", "remediation": "None — enforced by template.", "severity": "low" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-e3", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "SEO integrity", "claim_or_finding": "No fabricated review, rating, or aggregateRating schema; no unclaimed-dollar-figure claims without primary-source support. A Service/Organization node is permitted because it reflects the real operating entity (Your Deputy, Obuke LLC).", "status": "verified", "evidence": "FAQPage + Service (real-entity Organization provider) schema planned; no review/rating/aggregateRating; marketing-compliance gate applied.", "verification_command": "View SEO Factory row for firm-overdue-invoice-invoice-recovery-desk", "fix_owner": "engineering", "remediation": "None — enforced by SEO factory.", "severity": "low" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-e4", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "Competitor/customer attribution correction", "claim_or_finding": "The source blueprint attributes The Baldwin Group to Comulate's customer base (\"sold to large clients like Baldwin Group and IMA\"). Fresh verification (Ascend customer case study, corroborated by ReSource Pro materials) shows Baldwin Group's overdue-invoice automation runs on Ascend + ReSource Pro's Overdue invoice Complete, not Comulate.", "status": "verified", "evidence": "Ascend customer case study (\"The Baldwin Group's seamless two month transition for overdue invoice processing\"); ReSource Pro/Ascend Overdue invoice Complete press materials (Apr 2025).", "verification_command": "Re-fetch useascend.com and resourcepro.com Overdue invoice Complete pages; compare stated customer roster against this build's copy.", "fix_owner": "engineering", "remediation": "Corrected everywhere the Baldwin Group/Comulate pairing appeared in this build's artifacts (business-plan.md fresh-verification notes; landing page and DNA avoid naming Baldwin Group as a Comulate customer). Comulate's broader budget-validation claim (large-client customer base, Workday Ventures backing) stands independent of this correction.", "severity": "medium" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-e5", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "Competitive landscape freshness", "claim_or_finding": "Applied Systems and Comulate were in active federal litigation as of Feb 2026 (a sandbox-account dispute); the court granted Applied narrow injunctive relief and rejected its broader reverse-engineering/derivative-product claims, leaving Comulate's antitrust counterclaim pending. Comulate remains operational.", "status": "verified", "evidence": "Comulate's own published summary of the Feb 12, 2026 ruling; Applied Systems May 2026 press release confirming continued Applied Recon investment.", "verification_command": "Re-fetch comulate.com/applied-vs-comulate and appliedsystems.com press releases for case status updates.", "fix_owner": "owner", "remediation": "Noted in business-plan.md as a fresh-verification finding; does not change the blueprint's core recommendation (both vendors remain active, validating enterprise-tier budget) but confirms the financial & resident-management system (FRMS)-bundling risk (Risk Register R1/R5) is live, not hypothetical.", "severity": "low" }, { "id": "firm-overdue-invoice-invoice-recovery-desk-e6", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "area": "Licensing boundary", "claim_or_finding": "LifePlanClear claim or finding — see the operating docs (business-plan.md, ai-engine-spec.md, compliance-checklist.md) for the authoritative detail.", "status": "verified", "evidence": "Standard account owner-licensing scope (selling/soliciting/negotiating) as described on NAIC and state DOI account owner-licensing pages; verbatim disclaimer present on the landing page and compliance-checklist.md.", "verification_command": "Inspect /firm-overdue-invoice-invoice-recovery-desk/ compliance section and builds/firm-overdue-invoice-invoice-recovery-desk/compliance-checklist.md for verbatim disclaimer.", "fix_owner": "engineering", "remediation": "None — enforced by template and manual review.", "severity": "low" } ], "seo_pages": { "id": "seo-firm-overdue-invoice-invoice-recovery-desk", "business_slug": "firm-overdue-invoice-invoice-recovery-desk", "route": "/firm-overdue-invoice-invoice-recovery-desk", "title": "LifePlanClear — overdue-invoice disclosure & actuarial-readiness compliance & disclosure desk", "description": "LifePlanClear for independent P&C and benefits firms. 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