{
  "object": "act_catalog",
  "copy_of_record": "https://gigs.loans/#catalog",
  "parity": "The page's four catalog tables are a view of this file. DOM order and cell text match it row for row where they overlap. Divergence fails the build.",
  "door": {
    "door": "gigs.loans",
    "side": "supply",
    "status": "WAITLIST",
    "marketplace_open": false,
    "note": "No act class is claimable, no File Fee is posted for any act class, and no credential is verified here today. The roster intake is real and is answered by a person."
  },
  "enrollment": {
    "what": "The record this door holds for one Attestor: the act classes they perform, and the states they perform them in. It is the item named \"Enrollment\" in the requires array of twelve act classes below.",
    "granted_by": "gigs.loans, and nothing else. No sponsoring entity, credential registry or sibling door opens one.",
    "open": false,
    "why_not": "No enrollment is open today, for anybody, because no act is posted for one to be held against.",
    "roster_relation": "The roster is where the record starts: what is sent to roster@gigs.loans is the enrollment record, asserted, unverified, and never eligibility.",
    "not_eligibility": "Eligibility is checked per act, per state, at the moment of the claim. Enrollment is a precondition and is never a permission."
  },
  "gate_kinds": {
    "none": "No credential predicate on the act itself. Not ungated: enrollment, Practitioner Coverage, a named sponsoring entity where one is named, jurisdiction, and fresh standing all still bind.",
    "access": "The act needs a rail, a consent, or a bench seat that neither the Attestor nor this door holds by default.",
    "signer-analog": "A licensed act performed by a credentialed human under a named sponsoring entity, never by software. Pinned by the copy of record.",
    "screened": "The act carries a statutory Independence Screen, so the Conflicts Sheet is non-empty and Clearance is recorded before the Packet unlocks. Never appears alone. Pinned by the copy of record.",
    "_note": "signer-analog and screened are pinned by the copy of record. The remaining two are declared here rather than minted silently, and an owner ruling is still owed on this door before the catalog leaves draft."
  },
  "tiers": [
    { "tier": "observation", "effect": "witness", "line": "Observation: you were there and you record what was there." },
    { "tier": "verification", "effect": "confirm", "line": "Verification: you confirm a fact against a source and record the source." },
    { "tier": "instrument", "effect": "execute", "line": "Instrument: you perform a statutory formality. Licensed, always. All four are refused today." },
    { "tier": "curative", "effect": "resolve", "line": "Curative: you find a defect and clear it, or you document why it is not cleared." }
  ],
  "fee": {
    "shape": "flat",
    "fixed_at": "post",
    "visible_before_claim": true,
    "decision_independent": true,
    "release_fact": "the recorded act",
    "posted": false,
    "note": "No File Fee is posted on this door, for any act class. A number in this block would be a price this door cannot keep.",
    "cannot_express": [
      "a percentage of the loan amount",
      "a function of the rate, the term, or the credit amount",
      "an adjustment after post",
      "an unpaid Abstention",
      "a payout that reads the Decision"
    ]
  },
  "league": {
    "note": "League states which tier an act class would post to. It is a property of the act class and never a requirement on the person, so it never appears in a requires array. A League is assigned from recorded work and never from credential count. Everyone who enrolls starts outside the ladder and no path up it is posted.",
    "entry_state": "L0 Applicant"
  },
  "acts": [
    {
      "act_class": "act.observe.lot-audit-vin",
      "act": "Lot audit of one floored unit",
      "tier": "observation",
      "effect": "witness",
      "league": "L1",
      "gate_kind": ["none", "screened"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage in force",
        "No interest in the dealer, the unit, or the Facility"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.observe.field-exam",
      "act": "Field examination of a borrowing base",
      "tier": "observation",
      "effect": "witness",
      "league": "L2",
      "gate_kind": ["none", "screened"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage",
        "No interest in the Borrower or the Facility"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.observe.inventory-tieout",
      "act": "Inventory tie-out at a Borrower site",
      "tier": "observation",
      "effect": "witness",
      "league": "L2",
      "gate_kind": ["access", "screened"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage",
        "No interest in the Borrower or the Facility",
        "Site access arranged before the act is posted"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.observe.condition-report",
      "act": "Property condition report",
      "tier": "observation",
      "effect": "witness",
      "league": "L1",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage",
        "Site access",
        "No interest in the property"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.observe.draw-inspection",
      "act": "Construction draw inspection",
      "tier": "observation",
      "effect": "witness",
      "league": "L2",
      "gate_kind": ["access", "screened"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage",
        "Site access",
        "No interest in the builder, the property, or the draw"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.observe.site-verification",
      "act": "Occupancy and site verification",
      "tier": "observation",
      "effect": "witness",
      "league": "L1",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "Practitioner Coverage"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.verify.employment",
      "act": "Verification of employment",
      "tier": "verification",
      "effect": "confirm",
      "league": "L1",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "The authorization is captured before the act is posted; it is never yours to obtain"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.verify.income",
      "act": "Verification of income",
      "tier": "verification",
      "effect": "confirm",
      "league": "L1",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "The authorization is captured before the act is posted; it is never yours to obtain"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.verify.deposit",
      "act": "Verification of deposit or asset",
      "tier": "verification",
      "effect": "confirm",
      "league": "L1",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "The authorization is captured before the act is posted; it is never yours to obtain"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.verify.business",
      "act": "Business existence and operations verification",
      "tier": "verification",
      "effect": "confirm",
      "league": "L1",
      "gate_kind": ["none"],
      "requires": [
        "Enrollment"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.verify.invoice",
      "act": "Invoice verification for a factor",
      "tier": "verification",
      "effect": "confirm",
      "league": "L1",
      "gate_kind": ["none", "screened"],
      "requires": [
        "Enrollment",
        "No interest in the account debtor or the receivable"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.execute.signing-in-person",
      "act": "Notarial signing appointment, in person",
      "tier": "instrument",
      "effect": "execute",
      "league": "L2",
      "gate_kind": ["signer-analog", "screened"],
      "requires": [
        "A commission in the signing state",
        "No beneficial interest in the instrument",
        "Practitioner Coverage including your bond",
        "A named sponsoring entity",
        "Two rulings this door does not have"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": {
        "reason": "UNRATIFIED_ACT_CLASS",
        "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",
        "clears_when": [
          "Worker classification under a sponsoring entity is ruled. An employment answer for this act class removes it from this door rather than delaying it.",
          "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
          "Who procures Practitioner Coverage is ruled.",
          "The jurisdiction rules are ratified for this state and this act class.",
          "A File Fee is posted and the payout rail is real."
        ],
        "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
      }
    },
    {
      "act_class": "act.execute.signing-ron",
      "act": "Remote online notarization",
      "tier": "instrument",
      "effect": "execute",
      "league": "L2",
      "gate_kind": ["signer-analog", "screened"],
      "requires": [
        "A commission in the signing state",
        "No beneficial interest in the instrument",
        "Practitioner Coverage including your bond",
        "A named sponsoring entity",
        "Two rulings this door does not have",
        "RON authorization"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": {
        "reason": "UNRATIFIED_ACT_CLASS",
        "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",
        "clears_when": [
          "Worker classification under a sponsoring entity is ruled. An employment answer for this act class removes it from this door rather than delaying it.",
          "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
          "Who procures Practitioner Coverage is ruled.",
          "The jurisdiction rules are ratified for this state and this act class.",
          "A File Fee is posted and the payout rail is real."
        ],
        "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
      }
    },
    {
      "act_class": "act.execute.signing-eclosing",
      "act": "Hybrid or electronic closing session",
      "tier": "instrument",
      "effect": "execute",
      "league": "L2",
      "gate_kind": ["signer-analog", "access", "screened"],
      "requires": [
        "A commission in the signing state",
        "No beneficial interest in the instrument",
        "Practitioner Coverage including your bond",
        "A named sponsoring entity",
        "Two rulings this door does not have",
        "RON authorization",
        "A contracted electronic vault rail"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": {
        "reason": "UNRATIFIED_ACT_CLASS",
        "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",
        "clears_when": [
          "Worker classification under a sponsoring entity is ruled. An employment answer for this act class removes it from this door rather than delaying it.",
          "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
          "Who procures Practitioner Coverage is ruled.",
          "The jurisdiction rules are ratified for this state and this act class.",
          "A File Fee is posted and the payout rail is real."
        ],
        "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
      }
    },
    {
      "act_class": "act.execute.release-record",
      "act": "Lien release execution and recording submission",
      "tier": "instrument",
      "effect": "execute",
      "league": "L2",
      "gate_kind": ["signer-analog", "access"],
      "requires": [
        "A commission in the signing state",
        "No beneficial interest in the instrument",
        "Practitioner Coverage including your bond",
        "A named sponsoring entity",
        "Two rulings this door does not have",
        "A county recording account arranged before the act is posted"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": {
        "reason": "UNRATIFIED_ACT_CLASS",
        "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",
        "clears_when": [
          "Worker classification under a sponsoring entity is ruled. An employment answer for this act class removes it from this door rather than delaying it.",
          "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
          "Who procures Practitioner Coverage is ruled.",
          "The jurisdiction rules are ratified for this state and this act class.",
          "A File Fee is posted and the payout rail is real."
        ],
        "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
      }
    },
    {
      "act_class": "act.resolve.title-curative",
      "act": "Title curative abstract",
      "tier": "curative",
      "effect": "resolve",
      "league": "L3",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "Search access arranged before the act is posted",
        "No interest in the property or the chain",
        "A ruling this door does not have: on a federally related mortgage loan the fee paid for this act sits under RESPA Section 8, and no fee for one is posted until counsel rules"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": {
        "reason": "UNRATIFIED_ACT_CLASS",
        "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",
        "clears_when": [
          "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
          "Who procures Practitioner Coverage is ruled.",
          "The jurisdiction rules are ratified for this state and this act class.",
          "A File Fee is posted and the payout rail is real."
        ],
        "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
      }
    },
    {
      "act_class": "act.resolve.conditions",
      "act": "Condition clearing pass on a Loan File",
      "tier": "curative",
      "effect": "resolve",
      "league": "L2",
      "gate_kind": ["none"],
      "requires": [
        "Enrollment"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.resolve.packaging",
      "act": "Loan-file packaging pass",
      "tier": "curative",
      "effect": "resolve",
      "league": "L1",
      "gate_kind": ["none"],
      "requires": [
        "Enrollment"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.resolve.qc-postclose",
      "act": "Post-close quality-control audit pass",
      "tier": "curative",
      "effect": "resolve",
      "league": "L2",
      "gate_kind": ["none"],
      "requires": [
        "Enrollment",
        "No prior act by you on that file"
      ],
      "conflicts_sheet": "populated",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    },
    {
      "act_class": "act.resolve.custody-exception",
      "act": "Custodial and document-custody exception clearing",
      "tier": "curative",
      "effect": "resolve",
      "league": "L2",
      "gate_kind": ["access"],
      "requires": [
        "Enrollment",
        "Custodian access arranged before the act is posted"
      ],
      "conflicts_sheet": "empty, and marked empty",
      "claimable": false,
      "status": "ROADMAP",
      "fee": "Fee posts with the act class",
      "typed_refusal": null
    }
  ],
  "routed_out": [
    {
      "block": "opinion",
      "effect": "value",
      "what": "A certified opinion of value is a different deliverable and a different tribe.",
      "routes_to": "gigs.financial",
      "posted_here": false
    },
    {
      "block": "presence",
      "effect": "perform",
      "what": "Property preservation and securing an REO asset: a completed task rather than a signed observation, so it is the other register's shape.",
      "routes_to": null,
      "posted_here": false
    }
  ],
  "lender_reserved": [
    { "act": "Extending credit", "poolable": false },
    { "act": "Taking the Application", "poolable": false },
    { "act": "Negotiating terms", "poolable": false },
    { "act": "Deciding", "poolable": false }
  ],
  "never": [
    "Never pays on an outcome. The payout has no field for the loan amount, the funded volume, or the direction of a Decision. It reads the recorded act, and there is nothing else for it to read.",
    "Never grades you on approvals. Your record is acts completed, turnaround against the file's own clocks, evidence quality, send-back rate, downstream acceptance, and re-verification rate. Approval rate is not on the list because there is no field for it.",
    "Never scores a refusal. A Pass is written nowhere. A Send-back and an Abstention are completed professional work at the posted fee.",
    "Never charges you. No enrollment fee, no background-check fee, no subscription, no lead fee, and no priority tier you can buy. Money moves one way on this door.",
    "Never pools an act the law reserves to a Lender. Extending credit, taking the Application, negotiating terms, and deciding are the Lender's. No sponsorship makes one of them yours, and no fee here is ever paid for introducing a Borrower to a Lender.",
    "Never puts you on a licensed act without a named sponsor. An assignment whose sponsorship field is empty cannot exist.",
    "Never shows you more of a file than your act needs. A lot auditor sees the unit and the lot. Not the Borrower's credit file, not the Decision, not the loan amount.",
    "Never calls you ours. Not our notary, not our field team, not our network of professionals. You are an independent professional named on the artifact, and the artifact is the point.",
    "Never changes a posted number. Not after you claim it, not after you drive, and not after the file closes.",
    "Never implies liveness. The roster is the only live thing on this door. Every act class above says ROADMAP, and every artifact says SPECIMEN. The LIVE stamps in the family map belong to sibling doors and are reported, not claimed."
  ],
  "contact": "roster@gigs.loans"
}