Recombination Finance · Rule Audit

Find the holes in your decision rules

Paste a credit policy, covenant test or any rule table. The audit runs thousands of cases through it and scores the rules with the Oursler Automaton Equation: where no rule answers, where rules disagree, which rules never matter, and which decisions flip on a 1% change. Everything runs in your browser. Nothing is uploaded.

1. RULES

Conditions use > >= < <= == !=, and, or, not and parentheses. A rule can use another rule by its id, as in and not R4. Order matters: the first rule that fires sets the decision, the way most policy engines work.
Leave blank to guess ranges from the thresholds in your rules. Or upload real cases below.
No file. The audit will generate cases.

2. SCORECARD

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3. FINDINGS

4. RULE BY RULE

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5. FLAGGED CASES

The first 50 cases with a gap, a conflict or a flip. Download the full list for your model-risk file.

6. LEARNING LOOP

The audit learns in three ways, with no code changes or redeploys. Auto-fix repairs gaps and conflicts one step at a time and keeps only the changes that raise the score. Learn from outcomes tunes each rule's thresholds against how past cases actually turned out, and keeps a change only if it also holds on cases it never trained on. Memory saves every run on this device so you can watch the rules improve and roll back to any version.

A · AUTO-FIX

B · LEARN FROM OUTCOMES

Each case sent to review is counted as costing half a declined good loan. One column per variable plus an outcome column: either good/bad (repaid or defaulted) or the decision that should have been made.
No history loaded.

C · MEMORY

Every audit is saved in this browser only. Click a version to load its rules.
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Scored with the Oursler Automaton Equation, inspired by Jaquet-Droz's Writer (c. 1770). Built to support independent validation of decision rules under the Federal Reserve's SR 11-7 model risk guidance. It checks rule logic, not credit quality. © 2026 Recombination Finance · Home · Method