Metric dictionary conformance — a lender with only the standard

verifier.mjs verifies through @uwmd/verify's verifyStatedMetrics (metric-verification.ts, RFC 0083 §2), which uses only the UWX reader, section resolver, safe-expression evaluator and shared §VIII.5 quantizer. The fixture keeps the plumbing: example discovery and the Lite anchor view, and it passes the normative metric dictionary read from spec/. It imports @uwmd/verify's built package entry (and, for the single-metric comparison, the same build's metric-verification.js) and nothing of @uwmd/core: no defaults, cascade, display formatting or core barrel; there are no prior results, overrides, inferred financial inputs or underwriting workflow. The source-token precision readers in numeric-tokens.mjs re-export the library's.

It discovers every .uw.md / .uwx.md below examples/ whose stated class has dictionary calculations (21 documents, including Lite, market-data, the standalone package record and the two examples/verification/ documents, one of which states a cap rate that fails by design). The builtin Mesa Gateway data-center and Desert Palms manufactured-housing examples are included. Standalone non-deal records without a builtin dictionary class are excluded explicitly. Current active section blocks and frontmatter quick_metrics are checked; superseded blocks, prose, scenarios, forecasts and market observations are not current metric claims. A numeric statement is counted separately at each address, so agreeing/disagreeing copies in frontmatter and sections remain visible.

Where a document states each metric is the dictionary's normative statement_bindings (RFC 0099): canonical ids at the output section roots, plus aliases such as valuation.going_in_cap_rate, valuation.price_per_sf and debt_structure.sizing_metrics.dscr_underwritten. verifyStatedMetrics reads it from the dictionary, so the fixture holds no copy. statement-homes/cases.json proves each alias: a +10% tamper at a section home fails at that address while its quick_metrics copy keeps its own outcome, and an unbound look-alike field is no statement. Two data-center cases edit the frontmatter (RFC 0086): a drifted quick_metrics.purchase_price alone leaves price_per_commissioned_kw verified, because the metric reads valuation.purchase_price, and a statement computed from the drifted price fails. Lite anchors map only their explicitly stated input sections (lite-input-sections.json), using the published bridge's section mapping without any bridge defaults. Primary-size statements are also checked as unrounded raw finite selectors. The two new builtin examples state cash-on-cash outputs; controls exercise the shared definition in every income class.

expected.json records every selected address, stated value, quantized computed value, source decimals, comparison decimals and state. RFC 0079 compares the unrounded result at min(max(source decimals, minimum), round_to). Coarse statements are checked at the minimum: exact 0.07 verifies and DSCR 1.5 versus 1.7 fails. Missing/null inputs, invalid operands, nonfinite results and resolution refusals are unverifiable. Missing precision passed to the comparison API (verifyStatedMetric) is a typed caller error; at document level verifyStatedMetrics reports a statement whose source token it cannot read (an envelope-decoded document, for example) as unverifiable missing_stated_precision. Every fixture statement has its source token. Definitions or inputs not stated are not invented or counted as numeric claims. The market-data example therefore has zero claims; standalone deal examples each state one primary size.

Run after building core:

node --test conformance/metrics/verifier.test.mjs
npm run conformance -- --suite=metrics

The named metrics suite also runs by default in npm run conformance. Its pass means the complete evidence matches the recorded findings and all negative controls pass; it does not mean every example metric verifies. New, removed or changed claims fail the gate until reviewed. --update does not silently replace this baseline.

Current example findings

There are 189 verified, 0 failed, 0 unverifiable numeric statements. All 35 former precision disagreements now verify. Riverside LTC remains the literal 0.6; it verifies at the 1% leverage minimum. No tokens were padded to clear findings. Agave's original 0.4938 verifies against its stated $48.6M underwritten value; validator CC-02 evaluates clean. Every other example's LTV is unchanged. Missing-input/type/refusal cases remain controls.

Example (relative to examples/)	Verified	Failed	Unverifiable
Agave-Court-Apts-Scottsdale-AZ.uwx.md	9	0	0
Cactus-Crossing-Retail-Mesa-AZ.uwx.md	14	0	0
Desert-Palms-MHC-Apache-Junction-AZ.uwx.md	14	0	0
Ironwood-Logistics-Industrial-Tolleson-AZ.uwx.md	14	0	0
Mesa-Gateway-Data-Center-Mesa-AZ.uwx.md	31	0	0
Mill-Ave-Commons-Student-Tempe-AZ.uwx.md	14	0	0
Ocotillo-Senior-Living-Chandler-AZ.uwx.md	15	0	0
Parkview-Apts-Glendale-AZ.uw.md	2	0	0
Parkview-Apts-Glendale-AZ.uwx.md	9	0	0
Riverside-Office-Phoenix-AZ.uwx.md	14	0	0
Roosevelt-Row-MixedUse-Phoenix-AZ.uwx.md	5	0	0
Saguaro-Select-Hotel-Tempe-AZ.uwx.md	15	0	0
Sonoran-Self-Storage-Peoria-AZ.uwx.md	13	0	0
Sundance-Ranch-Land-Buckeye-AZ.uwx.md	7	0	0
market-data/Phoenix-Multifamily-2026-Q2.uwx.md	0	0	0
parkview-reviewed.uwx.md	9	0	0
standalone/externalized-deal.uwx.md	1	0	0
standalone/inline-deal.uwx.md	1	0	0
standalone/package/records/externalized-deal.uwx.md	1	0	0

The only value corrections authorized by the examples' own inputs are:

Example	Address	Before	After	Evidence
Sonoran Self-Storage	quick_metrics.dscr	1.3153	1.3161	Stated NOI 672,000 / stated annual debt service 510,606, quantized at 4 dp.
Sonoran Self-Storage	debt_structure.dscr	1.3153	1.3161	Same inputs and quantization.

The original RFC 0079 examples do not state numeric cash-on-cash claims; the two RFC 0080 examples do, and all verify. The original eight examples with a sole sponsor-equity non-debt source now explicitly state sources_uses.equity_metrics.equity_total, equal to that source line. Each _notes identifies this as an identity of stated fields; the verifier never infers equity. Their cash-on-cash values stay unchanged under the common formula. Agave stays null because mezzanine and preferred equity make the total ambiguous. Non-multifamily producers now need an explicit equity_total for cash-on-cash. The RFC's audit lists each source identity and computed value.

Controls

The independent controls verify the import graph reaches no @uwmd/core module at all (and no starter packs, defaults or cascade), and that it does reach @uwmd/verify's entry and evaluator. They cover statement tampering; missing/null/type-invalid inputs; zero division; dictionary formula selection; cent-level quantization of a noisy binary64 amount over $100k and a one-cent negative; negative half cents; common cash-on-cash across all eleven income classes; lazy stated-year-1 selection (including zero); senior debt selection and unresolved equity debt service; stated mixed-use allocation; fractional raw sizes with missing, string and nonfinite controls; immutability; source-token trailing zeroes, exponents, escaped/nested keys, a payload member named content, YAML comments; coarse exact/wrong statements, all twelve LTV denominators and lazy fallbacks, minimum precision, output ceilings and no double rounding. Dictionary/pack/size completeness is separately enforced by packages/uwmd-verify/src/builtin-packs/metric-dictionary.test.ts.