Reading the card.

Closed-form

A Day-Zero scorecard is closed-form: weights, anchors and category tables that a validator can read in full. Every weight arrives with a written reason and a confidence, and every column the card leaves out is listed with the reason it was left out.

Points

A score is a sum of points. The card states its scale on the screen — a base score at stated odds, and how many points double them — so a difference in points always means the same change in odds. Grades are 20-point bands around the book's own odds.

What the card expects

For each column the card states the low, typical and high values it expects. A value outside that range is not an error; it is where an underwriter should look twice.

Policy on top

The lender's policy is applied to the card, not baked into it:

• Columns you will not lend on are switched off and the book is rescored.
• A floor under the probability of default, so no estimate falls below it.
• The grades in use set how many bands the book is cut into.

What is not in the card

The method that produced the card is not part of it and is not shown in the demo. Reason codes describe the Day-Zero card; scores from zypl.Foundation itself do not ship with reason codes.