Handbook
LCDL overlay: Personal Finance and Financial Resilience Intelligence
Design and test-contract bundle; no runtime implementation or operational certification is claimed. The manifest, schemas, validators, test suite, and task identities are complete enough for repository-native…
Updated
Runtime boundary
Design and test-contract bundle; no runtime implementation or operational certification is claimed. The manifest, schemas, validators, test suite, and task identities are complete enough for repository-native implementation; no placeholder task code is included.
Capability contracts
| Capability ID | Candidate task ID | Required output artifacts | Release validators |
|---|---|---|---|
capability.life.personal-finance-resilience.build_financial_picture |
intelligence_personal_finance_resilience_build_financial_picture_v1 |
artifact.life.personal-finance-resilience.cash_flow_model |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
capability.life.personal-finance-resilience.plan_financial_resilience |
intelligence_personal_finance_resilience_plan_financial_resilience_v1 |
artifact.life.personal-finance-resilience.resilience_plan |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
capability.life.personal-finance-resilience.manage_debt_payments |
intelligence_personal_finance_resilience_manage_debt_payments_v1 |
artifact.life.personal-finance-resilience.personal_balance_sheet, artifact.life.personal-finance-resilience.debt_schedule |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.04_fees_commissions_affiliations_and_product_incentives |
capability.life.personal-finance-resilience.plan_goals_savings |
intelligence_personal_finance_resilience_plan_goals_savings_v1 |
artifact.life.personal-finance-resilience.financial_goal_plan |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
capability.life.personal-finance-resilience.compare_financial_products |
intelligence_personal_finance_resilience_compare_financial_products_v1 |
artifact.life.personal-finance-resilience.product_comparison |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.04_fees_commissions_affiliations_and_product_incentives |
capability.life.personal-finance-resilience.map_insurance_needs |
intelligence_personal_finance_resilience_map_insurance_needs_v1 |
artifact.life.personal-finance-resilience.insurance_gap_map |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
capability.life.personal-finance-resilience.model_long_term_scenarios |
intelligence_personal_finance_resilience_model_long_term_scenarios_v1 |
artifact.life.personal-finance-resilience.long_term_scenario |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
capability.life.personal-finance-resilience.respond_to_fraud |
intelligence_personal_finance_resilience_respond_to_fraud_v1 |
artifact.life.personal-finance-resilience.fraud_response_plan |
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals, validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings, validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
Each capability contract in the manifest defines inputs, outputs, preconditions, postconditions, method-selection rules, invariant references, failure states, risk gate, metrics, and the existing forge-lcdl tasks/operators to compose.
Artifact schemas
| Artifact type | Schema reference | Required payload fields | Sensitivity |
|---|---|---|---|
artifact.life.personal-finance-resilience.cash_flow_model |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/cash_flow_model |
currency_or_units, period, line_items, formulas, assumptions, scenarios, reconciliation_checks, uncertainty | restricted |
artifact.life.personal-finance-resilience.personal_balance_sheet |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/personal_balance_sheet |
currency_or_units, period, line_items, formulas, assumptions, scenarios, reconciliation_checks, uncertainty | restricted |
artifact.life.personal-finance-resilience.resilience_plan |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/resilience_plan |
objective, scope, steps, dependencies, constraints, owners, timing, contingencies, review_triggers | restricted |
artifact.life.personal-finance-resilience.debt_schedule |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/debt_schedule |
objective, scope, steps, dependencies, constraints, owners, timing, contingencies, review_triggers | restricted |
artifact.life.personal-finance-resilience.financial_goal_plan |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/financial_goal_plan |
objective, scope, steps, dependencies, constraints, owners, timing, contingencies, review_triggers | restricted |
artifact.life.personal-finance-resilience.product_comparison |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/product_comparison |
alternatives, hard_constraints, criteria, normalized_values, evidence_refs, uncertainty, dominance_or_tradeoffs, recommendation_status | restricted |
artifact.life.personal-finance-resilience.insurance_gap_map |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/insurance_gap_map |
purpose, scope, entities_or_nodes, relations_or_edges, assumptions, boundary, validation_evidence | restricted |
artifact.life.personal-finance-resilience.long_term_scenario |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/long_term_scenario |
purpose, context, content, assumptions, evidence_refs, status, next_actions | restricted |
artifact.life.personal-finance-resilience.fraud_response_plan |
../schemas/artifacts/personal-finance-resilience.schema.json#/$defs/fraud_response_plan |
objective, scope, steps, dependencies, constraints, owners, timing, contingencies, review_triggers | restricted |
Validators
| Validator ID | Kind | Automation | Severity | Failure action |
|---|---|---|---|---|
validator.life.personal-finance-resilience.01_arithmetic_amortization_fees_tax_inputs_and_scenario_totals |
deterministic | deterministic | blocker | escalate |
validator.life.personal-finance-resilience.02_current_products_rates_rules_and_regulator_warnings |
live_provenance | hybrid | blocker | escalate |
validator.life.personal-finance-resilience.03_regulated_advice_and_guarantee_boundary |
policy | hybrid | major | repair |
validator.life.personal-finance-resilience.04_fees_commissions_affiliations_and_product_incentives |
conflict_check | hybrid | minor | conditional_pass |
Validator checks return itemized evidence and support pass, conditional_pass, fail, inconclusive, or a governed repair/escalation path. Generation does not self-certify.
Existing execution substrate
Tasks to reuse: contradiction_scan, decompose_problem, extract_schema_from_text, formula_eval_safe, llm_boolean_gate, llm_enum_route, plan_decision_pack, word_problem_to_calc_plan
Operators to reuse: branch, fallback_chain, for_each, optional_step, seq, try_catch, until_ok
Cross-intelligence handoff
- artifact_id, type, version, producer capability, provenance, scope, assumptions, uncertainty, sensitivity, validation status, and next action
- No free-text handoff may replace a required typed artifact when a downstream validator depends on structure.
Information-loss checks: - all hard constraints preserved - all blocker findings preserved - source scope and date preserved - assumptions and dissent preserved - units, time zones, identifiers, and uncertainty preserved
Evaluation and release
Suite: ../evaluation_suites/personal-finance-resilience.yaml
- 100% schema validity for released artifacts
- 100% material traceability
- no unresolved blocker validator
- no missed critical escalation in the approved benchmark
- documented conditional-pass limits and human gates
Promotion to implementation maturity I1
- Create repository-native input and output contracts for every candidate task ID.
- Implement deterministic portions of validators and declare independent human or model review for semantic portions.
- Connect a provenance-preserving source resolver and enforce freshness and jurisdiction rules.
- Pass the per-pack suite and dependency regression suites at release thresholds.
- Complete security, privacy, accessibility, and domain-owner review appropriate to risk.
- Publish LMETA/LCDL exact-overlay links and CI parity checks.
Exact-overlay identity
The LMETA and LCDL pages share the concept ID, semantic version, capability IDs, and invariant IDs. tools/validate_pack.py checks this parity.
Paired overlay
Runtime maturity
- Capabilities: 8
- Technical floor→ceiling:
I1_runtime→I2_integrated - Autonomy floor→ceiling:
A0_assisted→A0_assisted - I1_runtime count: 7
- Evidence class:
contract: 7,semantic: 1 - Full hierarchy: MATURITY-HIERARCHY.md
Evaluation suite status
- CI status:
pass - Suite:
evaluation_suites/personal-finance-resilience.yaml - Cases defined: 7
- Capabilities under test: 8