Coverage certainty
Confirmed, conditional and pending coverage are separate. Conditional coverage is never described as guaranteed.
Methodology
How the Shortfall Resolution Optimizer works
Graph provides facts. Engines calculate. AI explains.
- Last reviewed
- Reviewed by
- Rostislav Sikora
- Next review due
From situation to candidates
The decision begins with required amount, available amount, shortfall, purpose, deadline and jurisdiction. The Canadian Shortfall Resolution Graph supplies evidence-backed facts. A deterministic generator creates unranked candidates across non-debt, assistance, arrangement, deferral, existing-credit and new-borrowing categories where supported.
Plan A, Plan B and Plan C
The Optimizer can combine partial candidates. It seeks deadline-feasible coverage, then minimizes new debt, cost, repayment pressure and risk while maximizing confidence. Plan A is ranked first by the locked policy; Plan B is an alternative; Plan C is a fallback where justified. A missing feasible plan remains a valid result.
Optimizer methodology: optimizer-decision-model-v1.0.
Financial certainty
Verified, estimated, range and unknown money states remain explicit. Unknown is never converted to zero.
Robustness
Robustness describes dependency sensitivity, not creditworthiness. It does not alter plan mathematics.
What-If
A changed situation is sent through the same Optimizer. It creates a recomputed decision and successor receipt; it does not edit the prior receipt.
Deterministic authority
Candidate generation, plan ranking, robustness, fallback, actions and receipts use deterministic code and approved structured facts. Generative AI is not used as current financial decision authority and cannot invent financial facts.