Prototype
UW FUTURE
Live · 3 agents running 26 open · $4.1M
SIGNAL 4
Rolling · newest first
Gap Detection · agent 11m
Financials landed. Rapid Discounts is unblocked. The chase closed itself. Nothing left outstanding. Quote it →
Bind propensity · M7 40m
Meridian: 0.42 → 0.55. Now a B+. The competing quote withdrew. Biggest thing on your desk just became winnable. Open →
Large-loss · M6 1h
Ardsley crossed the referral line. 0.04 → 0.19 on two peer filings. Not your call any more. Refer →
Inception slip · M4 2h
Bayline: 48% chance of missing Friday. Survey report is nine days out. It was 11% on Monday. Chase now →
Hid 22 other updates since 07:00. None of them moved a grade, a group or a date.
Show everything
Opportunity grade
A 4 B+ 11 C+ 8 D 3
Bind propensity × rate adequacy ÷ cost to close
Re-scoring continuously
QUOTE 7 2 new since you opened
A → D
A
0.86
Halverson Freight Systems Cargo · $2M · new

Clean. In appetite. 18% over technical. Nothing outstanding.

Appetite · M2  0.94 Bind · M7  0.86 ±0.04 Authority  within limits Gap Detection  nothing missing
No reason to open this one
B+
0.68
Rapid Discounts, LLC D&O · $10M xs $5M · renewal
Open this one →

Ready. $427K. Chase drafted, non-blocking. Inception in four days.

B+ is a pricing gap, not a risk one. 0.80 bind gets you an A.

Bind 0.71 Rate +11% Effort 1.4 chases
Your override is the training label
What the agents found
7 of 11 done
Gap Detection 2024 financials in. Chase closed itself, 11 minutes ago.
Claims Intel Two priors. Both settled inside the SIR. Neither touched the tower.
YoY Comparison Revenue +14%. Same board, same auditor, same wording.
Insured Research Still running. Peer M&A and litigation watch, ~4 min.
What the models expect
In-distribution
Bind · M7 0.71 ±0.06 — incumbent broker, but you're 4 points above the knee.
Rate · M5 +11% over technical. $385K is the floor. Room to trade.
Effort · M3 1.4 chases. This broker answers in 2.1 days.
Slip · M4 9%. Low. It's still Friday.
M7 v4.2 · scored 11 min ago · nothing stale
Hid 6 updates on this submission today
C+
0.41
Tolliver Precision Tooling GL · $5M · renewal Out of distribution

Eleven comparable risks in training. Take my grade lightly and read the file.

Bind · M7  0.41 ±0.22 Extraction · M1  payroll 40× class median Ingestion  probably read a total, not an annual
Re-grades the moment you save
BIND 3 All three above 0.9. Nothing to read.
REFER 2 Both flagged by large-loss, not by limit. Ardsley arrived an hour ago. 1 new
REVIEW 5 Retention puts two below 0.5 at the rate you're indicating. Worth an argument.
CHASE 6 Slowest responders first. Bayline's been out nine days.
DECLINE 3 Appetite fit under 0.15. One's an A on price. Still a decline.
Signal, not feed 38 agent completions and 61 re-scores today. Four made it onto this page.
99Events today
4Surfaced
96%Filtered
Back to queue
Live · 1 agent running
B+
Rapid Discounts, LLC
D&O · $10M xs $5M · renewal · deal 9103104
AppetiteIn · 82/100
DecisionQuote
Inception4 days
Edit submission
deal details
Edit Pricing
pricing & history
Why
B+
Bind · M7 0.71 ±0.06
Incumbent broker. Class trades at 0.61. You're 4 points above the knee.
Rate · M5 +11% vs technical
$427K quoted, $385K technical. Room to trade if you need it.
Effort · M3 + M4 1.4 chases · 9% slip
One item outstanding, non-blocking. This broker answers in 2.1 days.

A at 0.80 bind. The gap is price, not risk.

M7 v4.2 · scored 11m ago
AGENT FLOOR
One cell wants you. Gap Detection, second from left.
Ingestion 52 fields. Clean.
Gap Detection Chase drafted. Your call.
Appetite Match 82/100. In.
Claims Intel 2 priors. Both settled.
Insured Research ~4 min left.
YoY Comparison Revenue +14%.
CAT Aggregation N/A on D&O.
Geo-spatial N/A on D&O.
Pricing Rec. Median 1.71%.
Wording Match Run →
Authority Within limits.
CHAT
Everything cited
DO THIS NEXT
Ranked. Take #3 first if you want.
1

Quote at $427K.

Bind 0.71, rate +11%, authority clear. Nothing outstanding blocks it.

2

Release the drafted chase.

Gap Detection wrote it 11 minutes ago. Non-blocking, but it closes the file.

3

Test $415K.

M7 puts that at 0.80 — the A. Costs you $12K of margin. Your call whether that trade is worth it.

4

Run Wording Match.

Diff against the expiring form. Forty seconds. Nobody's asked it to.

WHAT THEY FOUND
Effect on the grade, in the corner
Claims Intel · agent −0.3

Two priors. Both settled inside the SIR, neither touched the tower. Clean for the layer you're writing.

Loss runs · bordereaux 2019–2024
Bind propensity · M7 0.71 ±0.06

Incumbent broker adds 0.14. Renewal with no market test adds 0.09. Being 4 points above the knee takes 0.11 straight back.

M7 v4.2 · 1,840 comparable renewals
YoY Comparison · agent −0.2

Revenue +14% to $214M. Same board, same auditor, same wording. Growth without a story is the only flag.

2023 vs 2024 audited financials
Pricing Rec. + M5 +11%

Class median 1.71%. You're at 1.90%. Technical price says $385K, so there's $42K of headroom before it stops being worth writing.

M5 · 312 bound D&O excess, 24 months
Facts 52 fields from Ingestion — limits, dates, wording, financials, contacts.
Nobody opened this in 14 of the last 20 files
Hid 6 updates on this submission today. Re-scores that didn't move the grade, and one agent retry.
Show everything
B+
Rapid Discounts, LLC
D&O · $10M xs $5M · renewal
Submission screen, behind

Disagree with B+

Your grade wins. The models get the label.

B+ came from Bind 0.71 Rate +11% Effort 1.4 chases
M7 v4.2 · 11m ago
Your grade
A Bind ≥ 0.80
B+ 0.60 – 0.79 · current
C+ 0.35 – 0.59
D Under 0.35

You're calling A at 0.71. That's the disagreement — say where it's wrong and it's worth something.

Which part is wrong
Bind propensity Rate adequacy Cost to close All of it Not the grade — the group
Why
In your words Optional, and the most useful thing here

Six years on this account. The 2019 notice was a nuisance suit the broker settled to make it go away — it shouldn't count against them twice. They've never gone to market.|

What this does
The card re-grades to A now. Marked as yours, with your initials, wherever it shows.
M7 gets the label at the next retrain. Six weeks. One override moves nothing; thirty of them move the model.
Nothing re-runs. The agents keep their own conclusions. You're overruling the grade, not the file.
No referral triggered. You're within authority. Nobody has to approve this.
Takes effect immediately
Your record 31 overrides this quarter Right 22 times
M7 has moved 0.04 toward you on renewals since March.