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 fscs_fos_loss_warning_given false? pin respond with permitted high risk answer = 1 (action) pin fscs_fos_loss_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 $risk_warning_given context, policy.co:327, flow high risk investment gate | if not $risk_warning_given x33 gate, policy.co:329, flow high risk investment gate | stop defined as x33 + x31 + $risk_warning_given*aux_63 + aux_63 = 0 x34 gate, policy.co:329, flow high risk investment gate | stop defined as x34 + x31*aux_67 + x33 = 0 x36 gate, policy.co:336, flow high risk investment gate | stop defined as x36 + ask about high risk investment*$product_is_nmmi + x34 = 0 x37 gate, policy.co:336, flow high risk investment gate | stop defined as x37 + x34*aux_63 + 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 + $risk_warning_given*aux_68 + x37 + aux_68 = 0 x40 gate, policy.co:341, flow high risk investment gate | stop defined as x40 + x37*aux_69 + 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_71*aux_72 = 0 x44 gate, policy.co:348, flow high risk investment gate | stop defined as x44 + x40*aux_73 + x43 = 0 x45 gate, policy.co:355, flow high risk investment gate | stop defined as x45 + ask about high risk investment*aux_74 + x44 = 0 x46 gate, policy.co:355, flow high risk investment gate | stop defined as x46 + x44*aux_75 + 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_77 = 0 x50 gate, policy.co:362, flow high risk investment gate | stop defined as x50 + x46*aux_78 + 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 + $risk_warning_given*aux_63 + aux_63 = 0 introduced degree3-materialisation because An AND gate fed another AND gate, which would have made the equation cubic; the inner one was given its own variable to keep the system quasilinear. aux_68 aux defined as aux_68 + ask about high risk investment*$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 + $risk_warning_given*aux_68 + aux_68 = 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 + $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_71 aux defined as aux_71 + aux_68*aux_70 = 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_72 aux defined as aux_72 + $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_73 aux defined as aux_73 + aux_71*aux_72 = 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 + $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_75 aux defined as aux_75 + ask about high risk investment*aux_74 = 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 + $personal_recommendation*$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_77 aux defined as aux_77 + ask about high risk investment*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. aux_78 aux defined as aux_78 + x48*aux_77 = 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 x34 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 + x36 + x34 = 0 policy.co:336, 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 x34 17 multiply step 14 by x34 18 x34*aux_63 + x37 + x36 = 0 policy.co:336, 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 $risk_warning_given*aux_68 + aux_69 + aux_68 = 0 compiled from the policy; no position recorded 24 $risk_warning_given*aux_68 + aux_68 + x39 + x37 = 0 policy.co:341, flow high risk investment gate | stop 25 add step 23 to step 24 26 multiply step 25 by x37 27 x37*aux_69 + x40 + x39 = 0 policy.co:341, flow high risk investment gate | stop 28 add step 26 to step 27 29 add step 22 to step 28 30 multiply step 15 by x39 31 add step 29 to step 30 32 multiply step 7 by x39 33 add step 31 to step 32 34 multiply step 33 by x43 35 aux_71*aux_72 + aux_73 = 0 compiled from the policy; no position recorded 36 aux_71*aux_72 + x43 + x40 = 0 policy.co:348, flow high risk investment gate | stop 37 add step 35 to step 36 38 multiply step 37 by x40 39 x40*aux_73 + x44 + x43 = 0 policy.co:348, flow high risk investment gate | stop 40 add step 38 to step 39 41 add step 34 to step 40 42 multiply step 21 by x43 43 add step 41 to step 42 44 multiply step 15 by x43 45 add step 43 to step 44 46 multiply step 7 by x43 47 add step 45 to step 46 48 multiply step 1 by x50 49 multiply step 3 by x50 50 add step 48 to step 49 51 multiply step 50 by x46 52 x46*aux_78 + x50 + x49 = 0 policy.co:362, flow high risk investment gate | stop 53 multiply step 52 by x46 54 add step 53 to step 52 55 add step 51 to step 54 56 x48*aux_77 + aux_78 = 0 compiled from the policy; no position recorded 57 x48*aux_77 + x49 + x46 = 0 policy.co:362, flow high risk investment gate | stop 58 add step 56 to step 57 59 multiply step 58 by x46 60 add step 59 to step 52 61 add step 55 to step 60 62 multiply step 61 by x44 63 x44*aux_75 + x46 + x45 = 0 policy.co:355, flow high risk investment gate | stop 64 multiply step 63 by x44 65 add step 64 to step 63 66 add step 62 to step 65 67 ask about high risk investment*aux_74 + aux_75 = 0 compiled from the policy; no position recorded 68 ask about high risk investment*aux_74 + x45 + x44 = 0 policy.co:355, flow high risk investment gate | stop 69 add step 67 to step 68 70 multiply step 69 by x44 71 add step 70 to step 63 72 add step 66 to step 71 73 add step 47 to step 72 74 add step 73 to step 33 75 add step 74 to step 21 76 add step 75 to step 15 final add step 76 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.