feat(L5): cost-of-debt pricing engine + financing instruments (ADR-0013, #616)

[PipFoweraker]

Lane L5 · ADR-0013 · closes #616, fixes #566. Design-surface lane — Pip reviews, do not auto-merge.

What

One data-driven pricing engine for all liabilities plus the standing-offer raise flow, and the #566 fix — all money-side (the doom-streams lane owns doom conversion; this branch never touches doom_system or ledger→doom).

1. Pricing engine (FinanceEngine.price, ADR-0013 thesis)

rate = base × org_factor × counterparty_factor + leverage·penalty − (rep/100)·relief, clamped and snapped to the 0.001 save-safe grid (probe-verified against the real full-precision JSON save path — calibration open-Q #2), so minted entries survive save/load. Coefficients live in data/balance/defaults.json financing.* (file-swappable per L9).

2. Instruments (data-driven table)

id	counterparty	factory	cash range	term	base rate	non-cash	availability
bank_loan	bank	loan	$30–80k	3.5 mo (~77 ticks)	0.008/tick	—	finance-rep ≥15, leverage <3
credit_line	bank	loan	$60–160k	4 mo	0.010	—	finance-rep ≥45, leverage <1.5
vc_equity	vc	equity	$120–400k	— (not debt)	0	equity dilution 12% + board seat	for-profit, hype ≥25
grant_strings	government	funding_strings	$25–70k	4 mo	0.0025	agenda narrowing (governance bill)	safety-rep ≥25
philanthropy	philanthropist	philanthropy	$15–45k	— (gift)	0	—	safety-rep ≥30, 35% appearance (scarce by design)
desperation	shadow	desperation_payroll	severity	2.5 mo	0.008	secret liability	always (last resort)

3. Offer generation with optionality (ADR-0012)

generate_offers() mints 2–3 concurrent standing offers with an expiry_turn; better standing → richer/cheaper menu. Seed-deterministic (WS-0). New actions seek_financing / accept_financing_offer / pay_bills expose the flow; accepted offers mint entries carrying the quoted terms (menu is honest). Non-cash terms mint inert ledger riders (equity/board seat = DQ-7 stub; agenda = the governance strings bill).

4. Fix #566

• Reputation crash (50→7.5) was uncapped rep damage → now capped per bill (max_rep_per_bill).
• "Magnitudes don't reconcile" → the ledger_default note now records principal_billed = paid_from_cash + shortfall; only the shortfall converts to (capped) doom/rep.
• Adds the "pay the bill" early-repayment interaction (Ledger.pay_entry / pay_soonest_payable).

No regression

The sweep's take_loan path routes Ledger.loan directly and is unchanged — L1 medians byte-identical: do_nothing 14, safety_lean 16.5, reserve_heavy 19, greedy 7, loan_desperation 7, random_walk 8; MORTALITY_CHECK max_months=45 → PASS.

Tests

test_finance_engine.gd (22 tests, 69 asserts): pricing determinism + input-sensitivity, availability gating, standing-offer optionality/expiry, quoted-term minting, #566 regression (capped default + reconciled magnitudes), early repayment, save-safe rates. Gates green: quick 355 · integration 14 · simulation 93 · L1 sweep unchanged.

Deferred / boundary

• Typed reputation + org type + hype are read from context with graceful fallback to scalar reputation / nonprofit default (their first-class GameState fields are owed by the ADR-0010 typed-attention and DQ-4 char/org-creation lanes).
• Standing offers are transient (not serialized) in v1 — a save/load drops any pending menu; the player re-seeks.
• Bot policy redesign to use the offer menu belongs to another lane; sweep policies are untouched.

🤖 Generated with Claude Code

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