D21-F01-A04 · four-stage decision lab · synthetic teaching data

Point-in-Time PD

Build a log-odds PIT bridge that exposes borrower and macro shifts separately while making clear that IFRS 9 and regulatory implementations require much more than this teaching formula.

Question: How can a long-run anchor, borrower information, and a current macro state be combined into a transparent scenario-sensitive PD?

Stage 1 · orient

Choose the analytical question before touching the number

Decision boundary

Invariant:

Stage 2 · predict

Commit to a direction before revealing the challenge

Your prediction
Stage 3 · experiment

Move one declared driver; keep the scenario contract fixed

Complete 61-state output series and evidence trace

Scenario result traceAll independently calculated states with the selected state marked.

Stage 4 · explain

Compare the anchor and candidate before interpreting

Anchor result
Candidate result
ComponentAnchorCandidateWhat changed?

Misconception check:

Inspect the structured input and output

Input

Output


Scenario evidence index
The lab surfaces curated stops for instruction while preserving all seven scenarios × 61 independently calculated states for audit.
ScenarioDriverQuestionRangeDecision segments