REFUTATION ========== policy policy.co sha256 470bfaea5ca9297edde3c6f9dd1287ac090b0db94091edd9bf067c4d63c22ec5 parse clean: the circuit carries every edge the file describes unroll none question can respond with permitted high risk answer fire with risk_warning_given false? pin respond with permitted high risk answer = 1 (action) pin risk_warning_given = 0 (obligation) pin product_is_nmmi = 1 (conditioning) origin derived replayable yes Every row below follows from the policy and the pins. Replay the steps and the contradiction appears. VARIABLES --------- ask about high risk investment intent, policy.co:116 | define user ask about high risk investment $personal_recommendation context, policy.co:209, flow investment specific product | if $is_factual_information_only and not $personal_recommendation and not $is_inducement $has_advising_permission context, policy.co:219, flow investment specific product | if not $firm_is_authorised or not $has_advising_permission $suitability_assessment_done context, policy.co:229, flow investment specific product | if not $suitability_assessment_done or not $risk_profile_assessed or not $capacity_for_loss_assessed $capacity_for_loss_assessed context, policy.co:229, flow investment specific product | if not $suitability_assessment_done or not $risk_profile_assessed or not $capacity_for_loss_assessed $hnw_signed_prescribed_statement context, policy.co:273, flow self certification gate | if not $hnw_signed_prescribed_statement $hnw_income_over_100k context, policy.co:277, flow self certification gate | if not $hnw_income_over_100k and not $hnw_net_assets_over_250k $hnw_net_assets_over_250k context, policy.co:277, flow self certification gate | if not $hnw_income_over_100k and not $hnw_net_assets_over_250k $hnw_excludes_residence_pension_insurance context, policy.co:282, flow self certification gate | if not $hnw_excludes_residence_pension_insurance $hnw_statement_within_12_months context, policy.co:286, flow self certification gate | if not $hnw_statement_within_12_months $incentive_offered context, policy.co:298, flow high risk investment gate | if $incentive_offered block incentive action, policy.co:299, flow high risk investment gate | bot block incentive defined as block incentive + ask about high risk investment*$incentive_offered = 0 introduced quadratic-split note Both inputs of an XOR were AND gates, which would have put two quadratic terms in one equation; the first was split into its own variable to keep exactly one. $client_claims_high_net_worth context, policy.co:305, flow high risk investment gate | if $client_claims_high_net_worth and not $client_is_certified_high_net_worth $client_is_certified_high_net_worth context, policy.co:305, flow high risk investment gate | if $client_claims_high_net_worth and not $client_is_certified_high_net_worth x14 gate, policy.co:306, flow high risk investment gate | if not $hnw_signed_prescribed_statement or not $hnw_statement_within_12_months defined as x14 + $hnw_signed_prescribed_statement + $hnw_statement_within_12_months = 0 x15 gate, policy.co:306, flow high risk investment gate | if not $hnw_signed_prescribed_statement or not $hnw_statement_within_12_months defined as x15 + $hnw_signed_prescribed_statement + $hnw_signed_prescribed_statement*$hnw_statement_within_12_months + $hnw_statement_within_12_months + x14 = 1 x16 gate, policy.co:308, flow high risk investment gate | stop defined as x16 + block incentive + x15*aux_53 = 0 x17 gate, policy.co:308, flow high risk investment gate | stop defined as x17 + block incentive*aux_54 + x16 = 0 x18 gate, policy.co:312, flow high risk investment gate | stop defined as x18 + x17 + aux_53*aux_55 = 0 x19 gate, policy.co:312, flow high risk investment gate | stop defined as x19 + x17*aux_56 + x18 = 0 x20 gate, policy.co:316, flow high risk investment gate | stop defined as x20 + x19 + aux_53*aux_58 = 0 x21 gate, policy.co:316, flow high risk investment gate | stop defined as x21 + x19*aux_59 + x20 = 0 $product_is_nmmi context, policy.co:318, flow high risk investment gate | if $product_is_nmmi $client_is_retail context, policy.co:319, flow high risk investment gate | if $client_is_retail and not $client_is_certified_high_net_worth and not $client_is_certified_sophisticated and not $client_is_self_certified_sophisticated and not $client_is_professional $client_is_certified_sophisticated context, policy.co:319, flow high risk investment gate | if $client_is_retail and not $client_is_certified_high_net_worth and not $client_is_certified_sophisticated and not $client_is_self_certified_sophisticated and not $client_is_professional $client_is_self_certified_sophisticated context, policy.co:319, flow high risk investment gate | if $client_is_retail and not $client_is_certified_high_net_worth and not $client_is_certified_sophisticated and not $client_is_self_certified_sophisticated and not $client_is_professional $client_is_professional context, policy.co:319, flow high risk investment gate | if $client_is_retail and not $client_is_certified_high_net_worth and not $client_is_certified_sophisticated and not $client_is_self_certified_sophisticated and not $client_is_professional x27 gate, policy.co:321, flow high risk investment gate | stop defined as x27 + x21 + aux_63*aux_64 = 0 x28 gate, policy.co:321, flow high risk investment gate | stop defined as x28 + x21*aux_65 + x27 = 0 $categorisation_verified context, policy.co:323, flow high risk investment gate | if not $categorisation_verified x30 gate, policy.co:325, flow high risk investment gate | stop defined as x30 + x28 + $categorisation_verified*aux_63 + aux_63 = 0 x31 gate, policy.co:325, flow high risk investment gate | stop defined as x31 + x28*aux_66 + x30 = 0 x33 gate, policy.co:329, flow high risk investment gate | stop defined as x33 + ask about high risk investment*$product_is_nmmi + x31 = 0 x34 gate, policy.co:329, flow high risk investment gate | stop defined as x34 + x31*aux_63 + x33 = 0 $fscs_fos_loss_warning_given context, policy.co:334, flow high risk investment gate | if not $fscs_fos_loss_warning_given x36 gate, policy.co:336, flow high risk investment gate | stop defined as x36 + x34 + $fscs_fos_loss_warning_given*aux_63 + aux_63 = 0 x37 gate, policy.co:336, flow high risk investment gate | stop defined as x37 + x34*aux_67 + x36 = 0 $product_is_rmmi context, policy.co:338, flow high risk investment gate | if $product_is_rmmi x39 gate, policy.co:341, flow high risk investment gate | stop defined as x39 + ask about high risk investment*$product_is_rmmi + x37 = 0 x40 gate, policy.co:341, flow high risk investment gate | stop defined as x40 + x37*aux_68 + x39 = 0 $client_is_first_time_investor context, policy.co:345, flow high risk investment gate | if $client_is_first_time_investor and not $cooling_off_completed $cooling_off_completed context, policy.co:345, flow high risk investment gate | if $client_is_first_time_investor and not $cooling_off_completed x43 gate, policy.co:348, flow high risk investment gate | stop defined as x43 + x40 + aux_70*aux_71 = 0 x44 gate, policy.co:348, flow high risk investment gate | stop defined as x44 + x40*aux_72 + x43 = 0 x45 gate, policy.co:355, flow high risk investment gate | stop defined as x45 + ask about high risk investment*aux_73 + x44 = 0 x46 gate, policy.co:355, flow high risk investment gate | stop defined as x46 + x44*aux_74 + x45 = 0 x47 gate, policy.co:360, flow high risk investment gate | if not $suitability_assessment_done or not $capacity_for_loss_assessed defined as x47 + $suitability_assessment_done + $capacity_for_loss_assessed = 0 x48 gate, policy.co:360, flow high risk investment gate | if not $suitability_assessment_done or not $capacity_for_loss_assessed defined as x48 + $suitability_assessment_done + $suitability_assessment_done*$capacity_for_loss_assessed + $capacity_for_loss_assessed + x47 = 1 x49 gate, policy.co:362, flow high risk investment gate | stop defined as x49 + x46 + x48*aux_76 = 0 x50 gate, policy.co:362, flow high risk investment gate | stop defined as x50 + x46*aux_77 + x49 = 0 respond with permitted high risk answer action, policy.co:364, flow high risk investment gate | bot respond with permitted high risk answer defined as respond with permitted high risk answer + ask about high risk investment + ask about high risk investment*x50 = 0 introduced forced-materialisation note This wire is protected or pinned, so it could not be absorbed into the equation that uses it; it stayed an explicit variable with a defining equation of its own. aux_52 aux defined as aux_52 + $client_claims_high_net_worth + $client_claims_high_net_worth*$client_is_certified_high_net_worth = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_53 aux defined as aux_53 + ask about high risk investment*aux_52 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_54 aux defined as aux_54 + x15*aux_53 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_55 aux defined as aux_55 + $hnw_income_over_100k + $hnw_income_over_100k*$hnw_net_assets_over_250k + $hnw_net_assets_over_250k = 1 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_56 aux defined as aux_56 + aux_53*aux_55 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_57 aux defined as aux_57 + $hnw_income_over_100k*$hnw_net_assets_over_250k + $hnw_net_assets_over_250k = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_58 aux defined as aux_58 + $hnw_excludes_residence_pension_insurance*aux_57 + aux_57 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_59 aux defined as aux_59 + aux_53*aux_58 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_60 aux defined as aux_60 + $client_is_certified_high_net_worth*$client_is_retail + $client_is_retail = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_61 aux defined as aux_61 + $client_is_certified_sophisticated*aux_60 + aux_60 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_62 aux defined as aux_62 + $client_is_self_certified_sophisticated*aux_61 + aux_61 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_63 aux defined as aux_63 + ask about high risk investment*$product_is_nmmi = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_64 aux defined as aux_64 + $client_is_professional*aux_62 + aux_62 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_65 aux defined as aux_65 + aux_63*aux_64 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_66 aux defined as aux_66 + $categorisation_verified*aux_63 + aux_63 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_67 aux defined as aux_67 + $fscs_fos_loss_warning_given*aux_63 + aux_63 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_68 aux defined as aux_68 + ask about high risk investment*$product_is_rmmi = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_69 aux defined as aux_69 + $client_is_first_time_investor + $client_is_first_time_investor*$cooling_off_completed = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_70 aux defined as aux_70 + aux_68*aux_69 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_71 aux defined as aux_71 + $client_is_certified_high_net_worth + $client_is_certified_high_net_worth*$client_is_professional + $client_is_professional = 1 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_72 aux defined as aux_72 + aux_70*aux_71 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_73 aux defined as aux_73 + $personal_recommendation + $personal_recommendation*$has_advising_permission = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_74 aux defined as aux_74 + ask about high risk investment*aux_73 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_75 aux defined as aux_75 + $personal_recommendation*$has_advising_permission = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_76 aux defined as aux_76 + ask about high risk investment*aux_75 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_77 aux defined as aux_77 + x48*aux_76 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. DERIVATION ---------- 1 ask about high risk investment*x50 + respond with permitted high risk answer + ask about high risk investment = 0 policy.co:364, flow high risk investment gate | bot respond with permitted high risk answer 2 multiply step 1 by ask about high risk investment 3 respond with permitted high risk answer = 1 reads as respond with permitted high risk answer holds pinned by this run: respond with permitted high risk answer = 1 (not a line of the policy) 4 multiply step 3 by ask about high risk investment 5 add step 2 to step 4 6 add step 5 to step 1 7 add step 6 to step 3 8 multiply step 7 by x31 9 $product_is_nmmi = 1 reads as $product_is_nmmi holds pinned by this run: product_is_nmmi = 1 (not a line of the policy) 10 multiply step 9 by ask about high risk investment 11 ask about high risk investment*$product_is_nmmi + aux_63 = 0 compiled from the policy; no position recorded 12 add step 10 to step 11 13 ask about high risk investment*$product_is_nmmi + x33 + x31 = 0 policy.co:329, flow high risk investment gate | stop 14 add step 13 to step 11 15 add step 12 to step 14 16 multiply step 15 by x31 17 multiply step 14 by x31 18 x31*aux_63 + x34 + x33 = 0 policy.co:329, flow high risk investment gate | stop 19 add step 17 to step 18 20 add step 16 to step 19 21 add step 8 to step 20 22 multiply step 21 by x39 23 $fscs_fos_loss_warning_given*aux_63 + aux_63 + x36 + x34 = 0 policy.co:336, flow high risk investment gate | stop 24 multiply step 23 by aux_63 25 multiply step 14 by x36 26 add step 24 to step 25 27 add step 26 to step 23 28 multiply step 14 by x34 29 add step 27 to step 28 30 add step 29 to step 18 31 add step 30 to step 19 32 multiply step 18 by aux_63 33 add step 32 to step 28 34 multiply step 14 by x33 35 add step 33 to step 34 36 add step 31 to step 35 37 multiply step 36 by x36 38 $fscs_fos_loss_warning_given*aux_63 + aux_67 + aux_63 = 0 compiled from the policy; no position recorded 39 add step 38 to step 23 40 multiply step 39 by x34 41 x34*aux_67 + x37 + x36 = 0 policy.co:336, flow high risk investment gate | stop 42 add step 40 to step 41 43 add step 37 to step 42 44 multiply step 43 by x39 45 ask about high risk investment*$product_is_rmmi + aux_68 = 0 compiled from the policy; no position recorded 46 ask about high risk investment*$product_is_rmmi + x39 + x37 = 0 policy.co:341, flow high risk investment gate | stop 47 add step 45 to step 46 48 multiply step 47 by x37 49 x37*aux_68 + x40 + x39 = 0 policy.co:341, flow high risk investment gate | stop 50 add step 48 to step 49 51 add step 44 to step 50 52 add step 22 to step 51 53 multiply step 15 by x39 54 add step 52 to step 53 55 multiply step 46 by ask about high risk investment 56 add step 54 to step 55 57 add step 56 to step 46 58 multiply step 7 by x37 59 add step 57 to step 58 60 multiply step 59 by x43 61 aux_70*aux_71 + aux_72 = 0 compiled from the policy; no position recorded 62 aux_70*aux_71 + x43 + x40 = 0 policy.co:348, flow high risk investment gate | stop 63 add step 61 to step 62 64 multiply step 63 by x40 65 x40*aux_72 + x44 + x43 = 0 policy.co:348, flow high risk investment gate | stop 66 add step 64 to step 65 67 add step 60 to step 66 68 multiply step 43 by x43 69 add step 67 to step 68 70 multiply step 21 by x43 71 add step 69 to step 70 72 multiply step 15 by x43 73 add step 71 to step 72 74 multiply step 7 by x43 75 add step 73 to step 74 76 multiply step 1 by x50 77 multiply step 3 by x50 78 add step 76 to step 77 79 multiply step 78 by x46 80 x46*aux_77 + x50 + x49 = 0 policy.co:362, flow high risk investment gate | stop 81 multiply step 80 by x46 82 add step 81 to step 80 83 add step 79 to step 82 84 x48*aux_76 + aux_77 = 0 compiled from the policy; no position recorded 85 x48*aux_76 + x49 + x46 = 0 policy.co:362, flow high risk investment gate | stop 86 add step 84 to step 85 87 multiply step 86 by x46 88 add step 87 to step 80 89 add step 83 to step 88 90 multiply step 89 by x44 91 x44*aux_74 + x46 + x45 = 0 policy.co:355, flow high risk investment gate | stop 92 multiply step 91 by x44 93 add step 92 to step 91 94 add step 90 to step 93 95 ask about high risk investment*aux_73 + aux_74 = 0 compiled from the policy; no position recorded 96 ask about high risk investment*aux_73 + x45 + x44 = 0 policy.co:355, flow high risk investment gate | stop 97 add step 95 to step 96 98 multiply step 97 by x44 99 add step 98 to step 91 100 add step 94 to step 99 101 add step 75 to step 100 102 add step 101 to step 59 103 add step 102 to step 43 104 add step 103 to step 21 105 add step 104 to step 15 final add step 105 to step 7 -> 0 = 1 WHAT THIS ESTABLISHES --------------------- The derivation is valid: the listed steps really do combine the listed rows into 0 = 1. It does not establish that those rows are the policy. The citations above say where each row was compiled from, and they are the compiler's own record rather than an independent check of it -- closing that second hop means re-deriving the circuit and comparing.