{
 "spec": "v29 SPEC - Lending Concentration (registered).md",
 "params": {
  "N": 5000,
  "years": 50,
  "seeds": [
   7,
   11
  ],
  "r_loan": 0.08,
  "g_econ": 0.02,
  "demurrage_idle": 0.05,
  "reinvest_frac": 0.7,
  "savings_pool_frac": 0.25,
  "gen_length": 30,
  "gate_cap_share": 0.02,
  "gate_cap_probe": [
   0.005,
   0.01
  ]
 },
 "regimes": {
  "NO-BRAKE": {
   "top1_final": 0.15802600452618148,
   "gini_final": 0.7820495809744358
  },
  "EDEN-BRAKES": {
   "top1_final": 0.0407852226107297,
   "gini_final": 0.4442749809424784
  },
  "+GATE": {
   "top1_final": 0.0407852226107297,
   "gini_final": 0.4442749809424784
  }
 },
 "LX0": {
  "pass": true
 },
 "LX1": {
  "top1_start": 0.09207088992001976,
  "top1_final_nobrake": 0.15802600452618148,
  "pass": true
 },
 "LX2": {
  "top1_final_eden": 0.0407852226107297,
  "top1_final_nobrake": 0.15802600452618148,
  "reduction_vs_nobrake_pct": 74.19081578818727,
  "pass": true
 },
 "LX3": {
  "top1_final_eden": 0.0407852226107297,
  "top1_start": 0.09207088992001976,
  "residual_rise_pct": -55.702369504455696,
  "residual_exists": false,
  "pass": true
 },
 "LX4": {
  "top1_final_gate": 0.0407852226107297,
  "top1_final_eden": 0.0407852226107297,
  "extra_reduction_pct": 0.0,
  "gate_adds_little": true,
  "max_indiv_share_of_pool_any_regime": 0.013118762044998258,
  "cap2pct_bind_years": 0,
  "note": "registered cap (2% of pool) exceeds the max observed single-actor share, so +GATE == EDEN-BRAKES identically; see gate_binding_probe for caps that bind",
  "pass": true
 },
 "gate_binding_probe": {
  "cap_0.005": {
   "top1_final": 0.04053188566432049,
   "gini_final": 0.44431798591283866,
   "extra_reduction_vs_eden_pct": 0.6211488627318684,
   "cap_bind_years": 30,
   "max_indiv_share": 0.013118377641860371
  },
  "cap_0.010": {
   "top1_final": 0.04076480687176866,
   "gini_final": 0.4442783306445841,
   "extra_reduction_vs_eden_pct": 0.050056705968970494,
   "cap_bind_years": 14,
   "max_indiv_share": 0.013118377641860371
  }
 },
 "LX5": {
  "recommendation": "existing brakes catch the dynastic + idle channel; the within-lifetime residual is active real intermediation. A hard lending-concentration gate adds 0% further reduction at a cost to credit/Freedom -> recommend a CONCENTRATION DASHBOARD (monitor lending share + interest-income concentration), revisit a gate only if the channel comes to dominate.",
  "pass": true
 },
 "bar_summary": {
  "LX0": true,
  "LX1": true,
  "LX2": true,
  "LX3": true,
  "LX4": true,
  "LX5": true
 }
}