Rehost annual creditor pressure policy branch

README.md

@@ -89,7 +89,10 @@ bond table now also contributes both the largest live bond principal and the cho
 highest-coupon live bond principal into owned company market and annual-finance state, so the
 stock-capital approval ladder can extend one rehosted owner-state surface instead of hunting
 another isolated finance leaf. A checked-in
-The working rule on the remaining frontier is explicit now too: when a lane is still ambiguous, we
+fixed-world finance-policy seam now also carries the raw stock, bond, bankruptcy, and dividend
+policy bytes from the `0x32c8` save block, and the first annual creditor-pressure branch now runs
+headlessly as a pure runtime reader over owned annual-finance state, support-adjusted share price,
+and current world finance policy rather than as a notes-only atlas fragment. The working rule on the remaining frontier is explicit now too: when a lane is still ambiguous, we
 should prefer rehosting the owning source state or the real reader/setter family rather than
 guessing one more derived leaf field from nearby offsets. A checked-in
 `EventEffects` export now exists too in

crates/rrt-runtime/src/import.rs

@@ -851,6 +851,38 @@ fn project_save_slice_components(
                 .world_issue_37_state
                 .as_ref()
                 .map(|state| state.multiplier_value_f32_text.clone()),
+            stock_issue_and_buyback_policy_raw_u8: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.stock_policy_raw_u8),
+            bond_issue_and_repayment_policy_raw_u8: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.bond_policy_raw_u8),
+            bankruptcy_policy_raw_u8: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.bankruptcy_policy_raw_u8),
+            dividend_policy_raw_u8: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.dividend_policy_raw_u8),
+            stock_issue_and_buyback_allowed: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.stock_policy_raw_u8 == 0),
+            bond_issue_and_repayment_allowed: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.bond_policy_raw_u8 == 0),
+            bankruptcy_allowed: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.bankruptcy_policy_raw_u8 == 0),
+            dividend_adjustment_allowed: save_slice
+                .world_finance_neighborhood_state
+                .as_ref()
+                .map(|state| state.dividend_policy_raw_u8 == 0),
             finance_neighborhood_candidates: save_slice
                 .world_finance_neighborhood_state
                 .as_ref()
@@ -5979,6 +6011,14 @@ mod tests {
                 absolute_counter_raw_hex: "0x00000003".to_string(),
                 absolute_counter_mirror_raw_u32: 4,
                 absolute_counter_mirror_raw_hex: "0x00000004".to_string(),
+                stock_policy_raw_u8: 0,
+                stock_policy_raw_hex: "0x00".to_string(),
+                bond_policy_raw_u8: 1,
+                bond_policy_raw_hex: "0x01".to_string(),
+                bankruptcy_policy_raw_u8: 0,
+                bankruptcy_policy_raw_hex: "0x00".to_string(),
+                dividend_policy_raw_u8: 1,
+                dividend_policy_raw_hex: "0x01".to_string(),
                 labels: vec![
                     "current_calendar_tuple_word".to_string(),
                     "current_calendar_tuple_word_2".to_string(),
@@ -6263,6 +6303,35 @@ mod tests {
             import.state.world_restore.issue_37_multiplier_raw_u32,
             Some(0x3d75c28f)
         );
+        assert_eq!(
+            import
+                .state
+                .world_restore
+                .stock_issue_and_buyback_policy_raw_u8,
+            Some(0)
+        );
+        assert_eq!(
+            import
+                .state
+                .world_restore
+                .bond_issue_and_repayment_policy_raw_u8,
+            Some(1)
+        );
+        assert_eq!(import.state.world_restore.bankruptcy_policy_raw_u8, Some(0));
+        assert_eq!(import.state.world_restore.dividend_policy_raw_u8, Some(1));
+        assert_eq!(
+            import.state.world_restore.stock_issue_and_buyback_allowed,
+            Some(true)
+        );
+        assert_eq!(
+            import.state.world_restore.bond_issue_and_repayment_allowed,
+            Some(false)
+        );
+        assert_eq!(import.state.world_restore.bankruptcy_allowed, Some(true));
+        assert_eq!(
+            import.state.world_restore.dividend_adjustment_allowed,
+            Some(false)
+        );
         assert_eq!(
             import
                 .state

crates/rrt-runtime/src/lib.rs

@@ -52,12 +52,13 @@ pub use runtime::{
     RUNTIME_WORLD_ISSUE_PRIME_RATE, RuntimeCargoCatalogEntry, RuntimeCargoClass,
     RuntimeCargoPriceTarget, RuntimeCargoProductionTarget, RuntimeChairmanMetric,
     RuntimeChairmanProfile, RuntimeChairmanTarget, RuntimeCompany,
-    RuntimeCompanyAnnualFinanceState, RuntimeCompanyBondSlot, RuntimeCompanyConditionTestScope,
+    RuntimeCompanyAnnualCreditorPressureState, RuntimeCompanyAnnualFinanceState,
-    RuntimeCompanyControllerKind, RuntimeCompanyMarketMetric, RuntimeCompanyMarketState,
+    RuntimeCompanyBondSlot, RuntimeCompanyConditionTestScope, RuntimeCompanyControllerKind,
-    RuntimeCompanyMetric, RuntimeCompanyStatBandCandidate, RuntimeCompanyStatSelector,
+    RuntimeCompanyMarketMetric, RuntimeCompanyMarketState, RuntimeCompanyMetric,
-    RuntimeCompanyTarget, RuntimeCompanyTerritoryAccess, RuntimeCompanyTerritoryTrackPieceCount,
+    RuntimeCompanyStatBandCandidate, RuntimeCompanyStatSelector, RuntimeCompanyTarget,
-    RuntimeCondition, RuntimeConditionComparator, RuntimeEffect, RuntimeEventRecord,
+    RuntimeCompanyTerritoryAccess, RuntimeCompanyTerritoryTrackPieceCount, RuntimeCondition,
-    RuntimeEventRecordTemplate, RuntimeLocomotiveCatalogEntry, RuntimePackedEventCollectionSummary,
+    RuntimeConditionComparator, RuntimeEffect, RuntimeEventRecord, RuntimeEventRecordTemplate,
+    RuntimeLocomotiveCatalogEntry, RuntimePackedEventCollectionSummary,
     RuntimePackedEventCompactControlSummary, RuntimePackedEventConditionRowSummary,
     RuntimePackedEventGroupedEffectRowSummary, RuntimePackedEventNegativeSentinelScopeSummary,
     RuntimePackedEventRecordSummary, RuntimePackedEventTextBandSummary, RuntimePlayer,
@@ -65,14 +66,18 @@ pub use runtime::{
     RuntimeServiceState, RuntimeState, RuntimeTerritory, RuntimeTerritoryMetric,
     RuntimeTerritoryTarget, RuntimeTrackMetric, RuntimeTrackPieceCounts, RuntimeTrain,
     RuntimeWorldFinanceNeighborhoodCandidate, RuntimeWorldIssueState, RuntimeWorldRestoreState,
-    runtime_company_annual_finance_state, runtime_company_assigned_share_pool,
+    runtime_company_annual_creditor_pressure_state, runtime_company_annual_finance_state,
-    runtime_company_average_live_bond_coupon, runtime_company_book_value_per_share,
+    runtime_company_assigned_share_pool, runtime_company_average_live_bond_coupon,
-    runtime_company_credit_rating, runtime_company_investor_confidence,
+    runtime_company_book_value_per_share, runtime_company_credit_rating,
-    runtime_company_management_attitude, runtime_company_market_value, runtime_company_prime_rate,
+    runtime_company_investor_confidence, runtime_company_management_attitude,
+    runtime_company_market_value, runtime_company_prime_rate,
     runtime_company_recent_per_share_subscore, runtime_company_stat_value,
     runtime_company_stat_value_f64, runtime_company_unassigned_share_pool,
+    runtime_world_annual_finance_mode_active, runtime_world_bankruptcy_allowed,
+    runtime_world_bond_issue_and_repayment_allowed, runtime_world_dividend_adjustment_allowed,
     runtime_world_issue_opinion_multiplier, runtime_world_issue_opinion_term_sum_raw,
     runtime_world_issue_state, runtime_world_prime_rate_baseline,
+    runtime_world_stock_issue_and_buyback_allowed,
 };
 pub use smp::{
     SMP_FOUR_SIDECAR_BYTE_PLANES_MIN_BUNDLE_VERSION, SmpAlignedRuntimeRuleBandLane,

crates/rrt-runtime/src/runtime.rs

@@ -177,6 +177,37 @@ pub struct RuntimeCompanyAnnualFinanceState {
     pub linked_transit_latch: bool,
 }
 
+#[derive(Debug, Clone, PartialEq, Eq, Serialize, Deserialize)]
+pub struct RuntimeCompanyAnnualCreditorPressureState {
+    pub company_id: u32,
+    #[serde(default)]
+    pub annual_mode_active: Option<bool>,
+    #[serde(default)]
+    pub bankruptcy_allowed: Option<bool>,
+    #[serde(default)]
+    pub years_since_last_bankruptcy: Option<u32>,
+    #[serde(default)]
+    pub years_since_founding: Option<u32>,
+    pub recent_bad_net_profit_year_count: u32,
+    #[serde(default)]
+    pub recent_peak_revenue: Option<i64>,
+    #[serde(default)]
+    pub recent_three_year_net_profit_total: Option<i64>,
+    #[serde(default)]
+    pub pressure_ladder_cash_floor: Option<i64>,
+    #[serde(default)]
+    pub current_cash_plus_slot_12_total: Option<i64>,
+    #[serde(default)]
+    pub support_adjusted_share_price_floor: Option<i64>,
+    #[serde(default)]
+    pub support_adjusted_share_price_scalar: Option<i64>,
+    #[serde(default)]
+    pub current_fuel_cost: Option<i64>,
+    #[serde(default)]
+    pub current_fuel_cost_floor: Option<i64>,
+    pub eligible_for_bankruptcy_branch: bool,
+}
+
 #[derive(Debug, Clone, Copy, PartialEq, Eq, Serialize, Deserialize, Default)]
 pub struct RuntimeTrackPieceCounts {
     #[serde(default)]
@@ -1101,6 +1132,22 @@ pub struct RuntimeWorldRestoreState {
     #[serde(default)]
     pub issue_37_multiplier_value_f32_text: Option<String>,
     #[serde(default)]
+    pub stock_issue_and_buyback_policy_raw_u8: Option<u8>,
+    #[serde(default)]
+    pub bond_issue_and_repayment_policy_raw_u8: Option<u8>,
+    #[serde(default)]
+    pub bankruptcy_policy_raw_u8: Option<u8>,
+    #[serde(default)]
+    pub dividend_policy_raw_u8: Option<u8>,
+    #[serde(default)]
+    pub stock_issue_and_buyback_allowed: Option<bool>,
+    #[serde(default)]
+    pub bond_issue_and_repayment_allowed: Option<bool>,
+    #[serde(default)]
+    pub bankruptcy_allowed: Option<bool>,
+    #[serde(default)]
+    pub dividend_adjustment_allowed: Option<bool>,
+    #[serde(default)]
     pub finance_neighborhood_candidates: Vec<RuntimeWorldFinanceNeighborhoodCandidate>,
     #[serde(default)]
     pub economic_tuning_mirror_raw_u32: Option<u32>,
@@ -2718,6 +2765,135 @@ pub fn runtime_company_average_live_bond_coupon(
     Some(weighted_coupon_sum / total_principal as f64)
 }
 
+pub fn runtime_world_annual_finance_mode_active(state: &RuntimeState) -> Option<bool> {
+    Some(state.world_restore.partial_year_progress_raw_u8? == 0x0c)
+}
+
+pub fn runtime_world_bankruptcy_allowed(state: &RuntimeState) -> Option<bool> {
+    Some(state.world_restore.bankruptcy_policy_raw_u8? == 0)
+}
+
+pub fn runtime_world_bond_issue_and_repayment_allowed(state: &RuntimeState) -> Option<bool> {
+    Some(state.world_restore.bond_issue_and_repayment_policy_raw_u8? == 0)
+}
+
+pub fn runtime_world_stock_issue_and_buyback_allowed(state: &RuntimeState) -> Option<bool> {
+    Some(state.world_restore.stock_issue_and_buyback_policy_raw_u8? == 0)
+}
+
+pub fn runtime_world_dividend_adjustment_allowed(state: &RuntimeState) -> Option<bool> {
+    Some(state.world_restore.dividend_policy_raw_u8? == 0)
+}
+
+pub fn runtime_company_annual_creditor_pressure_state(
+    state: &RuntimeState,
+    company_id: u32,
+) -> Option<RuntimeCompanyAnnualCreditorPressureState> {
+    let annual_finance_state = runtime_company_annual_finance_state(state, company_id)?;
+    let current_cash_plus_slot_12_total =
+        runtime_company_control_transfer_stat_value_f64(state, company_id, 0x12)
+            .and_then(runtime_round_f64_to_i64)
+            .and_then(|slot_12| {
+                runtime_company_control_transfer_stat_value_f64(
+                    state,
+                    company_id,
+                    RUNTIME_COMPANY_STAT_SLOT_CURRENT_CASH,
+                )
+                .and_then(runtime_round_f64_to_i64)
+                .map(|current_cash| current_cash + slot_12)
+            });
+    let support_adjusted_share_price_scalar =
+        runtime_company_support_adjusted_share_price_scalar_f64(state, company_id)
+            .and_then(runtime_round_f64_to_i64);
+    let current_fuel_cost = runtime_company_stat_value_f64(
+        state,
+        company_id,
+        RuntimeCompanyStatSelector {
+            family_id: RUNTIME_COMPANY_STAT_FAMILY_CONTROL_TRANSFER,
+            slot_id: 0x09,
+        },
+    )
+    .and_then(runtime_round_f64_to_i64);
+    let recent_bad_net_profit_year_count = annual_finance_state
+        .trailing_full_year_net_profits
+        .iter()
+        .take(3)
+        .filter(|value| **value < -10_000)
+        .count() as u32;
+    let recent_peak_revenue = annual_finance_state
+        .trailing_full_year_revenues
+        .iter()
+        .take(3)
+        .copied()
+        .max();
+    let recent_three_year_net_profit_total =
+        if annual_finance_state.trailing_full_year_net_profits.len() >= 3 {
+            Some(
+                annual_finance_state
+                    .trailing_full_year_net_profits
+                    .iter()
+                    .take(3)
+                    .sum::<i64>(),
+            )
+        } else {
+            None
+        };
+    let pressure_ladder_cash_floor = recent_peak_revenue.map(|revenue| {
+        if revenue < 120_000 {
+            -600_000
+        } else if revenue < 230_000 {
+            -1_100_000
+        } else if revenue < 340_000 {
+            -1_600_000
+        } else {
+            -2_000_000
+        }
+    });
+    let support_adjusted_share_price_floor = Some(if recent_bad_net_profit_year_count == 3 {
+        20
+    } else {
+        15
+    });
+    let current_fuel_cost_floor = pressure_ladder_cash_floor.map(|floor| floor * 8 / 100);
+    let eligible_for_bankruptcy_branch = runtime_world_annual_finance_mode_active(state)
+        == Some(true)
+        && runtime_world_bankruptcy_allowed(state) == Some(true)
+        && annual_finance_state
+            .years_since_last_bankruptcy
+            .is_some_and(|years| years >= 13)
+        && annual_finance_state
+            .years_since_founding
+            .is_some_and(|years| years >= 4)
+        && recent_bad_net_profit_year_count >= 2
+        && current_cash_plus_slot_12_total
+            .zip(pressure_ladder_cash_floor)
+            .is_some_and(|(value, floor)| value <= floor)
+        && support_adjusted_share_price_scalar
+            .zip(support_adjusted_share_price_floor)
+            .is_some_and(|(value, floor)| value >= floor)
+        && current_fuel_cost
+            .zip(current_fuel_cost_floor)
+            .is_some_and(|(value, floor)| value <= floor)
+        && recent_three_year_net_profit_total.is_some_and(|value| value <= -60_000);
+    Some(RuntimeCompanyAnnualCreditorPressureState {
+        company_id,
+        annual_mode_active: runtime_world_annual_finance_mode_active(state),
+        bankruptcy_allowed: runtime_world_bankruptcy_allowed(state),
+        years_since_last_bankruptcy: annual_finance_state.years_since_last_bankruptcy,
+        years_since_founding: annual_finance_state.years_since_founding,
+        recent_bad_net_profit_year_count,
+        recent_peak_revenue,
+        recent_three_year_net_profit_total,
+        pressure_ladder_cash_floor,
+        current_cash_plus_slot_12_total,
+        support_adjusted_share_price_floor,
+        support_adjusted_share_price_scalar,
+        current_fuel_cost,
+        current_fuel_cost_floor,
+        eligible_for_bankruptcy_branch,
+    })
+}
+
 pub fn runtime_world_absolute_counter(state: &RuntimeState) -> Option<u32> {
     state.world_restore.absolute_counter_raw_u32
 }
@@ -3522,6 +3698,14 @@ mod tests {
                 issue_3a_value: None,
                 issue_37_multiplier_raw_u32: None,
                 issue_37_multiplier_value_f32_text: None,
+                stock_issue_and_buyback_policy_raw_u8: None,
+                bond_issue_and_repayment_policy_raw_u8: None,
+                bankruptcy_policy_raw_u8: None,
+                dividend_policy_raw_u8: None,
+                stock_issue_and_buyback_allowed: None,
+                bond_issue_and_repayment_allowed: None,
+                bankruptcy_allowed: None,
+                dividend_adjustment_allowed: None,
                 finance_neighborhood_candidates: Vec::new(),
                 economic_tuning_mirror_raw_u32: None,
                 economic_tuning_mirror_value_f32_text: None,
@@ -4859,7 +5043,7 @@ mod tests {
     fn reads_grounded_company_stat_family_slots_from_runtime_state() {
         let mut year_stat_family_qword_bits = vec![
             0u64;
-            (RUNTIME_COMPANY_STAT_SLOT_COUNT * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
+            ((RUNTIME_COMPANY_STAT_SLOT_COUNT + 2) * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
                 as usize
         ];
         year_stat_family_qword_bits[(0x12 * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN) as usize] =
@@ -5271,7 +5455,7 @@ mod tests {
     fn reads_year_relative_company_stat_family_from_saved_market_matrix() {
         let mut year_stat_family_qword_bits = vec![
             0u64;
-            (RUNTIME_COMPANY_STAT_SLOT_COUNT * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
+            ((RUNTIME_COMPANY_STAT_SLOT_COUNT + 2) * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
                 as usize
         ];
         let write_year_value = |bits: &mut Vec<u64>, slot_id: u32, year_delta: u32, value: f64| {
@@ -6626,6 +6810,132 @@ mod tests {
         assert_eq!(runtime_company_annual_finance_state(&state, 99), None);
     }
 
+    #[test]
+    fn derives_annual_creditor_pressure_from_rehosted_finance_owner_state() {
+        let mut year_stat_family_qword_bits = vec![
+            0u64;
+            (RUNTIME_COMPANY_STAT_SLOT_COUNT * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
+                as usize
+        ];
+        let write_current_value = |bits: &mut Vec<u64>, slot_id: u32, value: f64| {
+            let index = (slot_id * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN) as usize;
+            bits[index] = value.to_bits();
+        };
+        let write_prior_year_value =
+            |bits: &mut Vec<u64>, slot_id: u32, year_delta: u32, value: f64| {
+                let index = (slot_id * RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN + year_delta) as usize;
+                bits[index] = value.to_bits();
+            };
+        write_current_value(&mut year_stat_family_qword_bits, 0x09, -50_000.0);
+        write_current_value(&mut year_stat_family_qword_bits, 0x0d, -700_000.0);
+        write_current_value(&mut year_stat_family_qword_bits, 0x12, 0.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 1, 100_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 2, 90_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 3, 80_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 1, -115_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 2, -110_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 3, -110_000.0);
+
+        let state = RuntimeState {
+            calendar: CalendarPoint {
+                year: 1845,
+                month_slot: 0,
+                phase_slot: 0,
+                tick_slot: 0,
+            },
+            world_flags: BTreeMap::new(),
+            save_profile: RuntimeSaveProfileState::default(),
+            world_restore: RuntimeWorldRestoreState {
+                packed_year_word_raw_u16: Some(1845),
+                partial_year_progress_raw_u8: Some(0x0c),
+                bankruptcy_policy_raw_u8: Some(0),
+                bankruptcy_allowed: Some(true),
+                ..RuntimeWorldRestoreState::default()
+            },
+            metadata: BTreeMap::new(),
+            companies: vec![RuntimeCompany {
+                company_id: 7,
+                current_cash: 0,
+                debt: 0,
+                credit_rating_score: None,
+                prime_rate: None,
+                active: true,
+                available_track_laying_capacity: None,
+                controller_kind: RuntimeCompanyControllerKind::Unknown,
+                linked_chairman_profile_id: None,
+                book_value_per_share: 0,
+                investor_confidence: 0,
+                management_attitude: 0,
+                takeover_cooldown_year: None,
+                merger_cooldown_year: None,
+                track_piece_counts: RuntimeTrackPieceCounts::default(),
+            }],
+            selected_company_id: None,
+            players: Vec::new(),
+            selected_player_id: None,
+            chairman_profiles: Vec::new(),
+            selected_chairman_profile_id: None,
+            trains: Vec::new(),
+            locomotive_catalog: Vec::new(),
+            cargo_catalog: Vec::new(),
+            territories: Vec::new(),
+            company_territory_track_piece_counts: Vec::new(),
+            company_territory_access: Vec::new(),
+            packed_event_collection: None,
+            event_runtime_records: Vec::new(),
+            candidate_availability: BTreeMap::new(),
+            named_locomotive_availability: BTreeMap::new(),
+            named_locomotive_cost: BTreeMap::new(),
+            all_cargo_price_override: None,
+            named_cargo_price_overrides: BTreeMap::new(),
+            all_cargo_production_override: None,
+            factory_cargo_production_override: None,
+            farm_mine_cargo_production_override: None,
+            named_cargo_production_overrides: BTreeMap::new(),
+            cargo_production_overrides: BTreeMap::new(),
+            world_runtime_variables: BTreeMap::new(),
+            company_runtime_variables: BTreeMap::new(),
+            player_runtime_variables: BTreeMap::new(),
+            territory_runtime_variables: BTreeMap::new(),
+            world_scalar_overrides: BTreeMap::new(),
+            special_conditions: BTreeMap::new(),
+            service_state: RuntimeServiceState {
+                company_market_state: BTreeMap::from([(
+                    7,
+                    RuntimeCompanyMarketState {
+                        founding_year: 1841,
+                        last_bankruptcy_year: 1832,
+                        cached_share_price_raw_u32: 25.0f32.to_bits(),
+                        year_stat_family_qword_bits,
+                        ..RuntimeCompanyMarketState::default()
+                    },
+                )]),
+                ..RuntimeServiceState::default()
+            },
+        };
+
+        assert_eq!(runtime_world_annual_finance_mode_active(&state), Some(true));
+        assert_eq!(runtime_world_bankruptcy_allowed(&state), Some(true));
+        let pressure_state = runtime_company_annual_creditor_pressure_state(&state, 7)
+            .expect("creditor pressure state");
+        assert_eq!(pressure_state.recent_bad_net_profit_year_count, 3);
+        assert_eq!(pressure_state.recent_peak_revenue, Some(100_000));
+        assert_eq!(
+            pressure_state.recent_three_year_net_profit_total,
+            Some(-65_000)
+        );
+        assert_eq!(pressure_state.pressure_ladder_cash_floor, Some(-600_000));
+        assert_eq!(
+            pressure_state.current_cash_plus_slot_12_total,
+            Some(-700_000)
+        );
+        assert_eq!(pressure_state.support_adjusted_share_price_floor, Some(20));
+        assert_eq!(pressure_state.support_adjusted_share_price_scalar, Some(25));
+        assert_eq!(pressure_state.current_fuel_cost, Some(-50_000));
+        assert_eq!(pressure_state.current_fuel_cost_floor, Some(-48_000));
+        assert!(pressure_state.eligible_for_bankruptcy_branch);
+    }
+
     #[test]
     fn reads_company_market_metrics_from_annual_finance_reader() {
         let current_issue_calendar_word = 0x0101_0726;

crates/rrt-runtime/src/smp.rs

@@ -133,6 +133,10 @@ const RT3_SAVE_WORLD_BLOCK_ISSUE_OPINION_TERM_COUNT: usize = 0x3b;
 const RT3_SAVE_WORLD_BLOCK_CHAIRMAN_SLOT_SELECTOR_RELATIVE_OFFSET: usize = 0x83;
 const RT3_SAVE_WORLD_BLOCK_CAMPAIGN_OVERRIDE_FLAG_RELATIVE_OFFSET: usize = 0xc1;
 const RT3_SAVE_WORLD_BLOCK_CHAIRMAN_ROLE_GATE_RELATIVE_OFFSET: usize = 0x0bbf;
+const RT3_SAVE_WORLD_BLOCK_STOCK_POLICY_RELATIVE_OFFSET: usize = 0x4a83;
+const RT3_SAVE_WORLD_BLOCK_BOND_POLICY_RELATIVE_OFFSET: usize = 0x4a87;
+const RT3_SAVE_WORLD_BLOCK_BANKRUPTCY_POLICY_RELATIVE_OFFSET: usize = 0x4a8b;
+const RT3_SAVE_WORLD_BLOCK_DIVIDEND_POLICY_RELATIVE_OFFSET: usize = 0x4a8f;
 const RT3_SAVE_WORLD_BLOCK_ECONOMIC_TUNING_MIRROR_RELATIVE_OFFSET: usize = 0x0bda;
 const RT3_SAVE_WORLD_BLOCK_ECONOMIC_TUNING_PRIMARY_RELATIVE_OFFSETS: [usize; 6] =
     [0x0bde, 0x0be2, 0x0be6, 0x0bea, 0x0bee, 0x0bf2];
@@ -1572,6 +1576,14 @@ pub struct SmpSaveWorldFinanceNeighborhoodProbe {
     pub current_calendar_tuple_word_2_lane: SmpSaveDwordCandidate,
     pub absolute_counter_lane: SmpSaveDwordCandidate,
     pub absolute_counter_mirror_lane: SmpSaveDwordCandidate,
+    pub stock_policy_raw_u8: u8,
+    pub stock_policy_raw_hex: String,
+    pub bond_policy_raw_u8: u8,
+    pub bond_policy_raw_hex: String,
+    pub bankruptcy_policy_raw_u8: u8,
+    pub bankruptcy_policy_raw_hex: String,
+    pub dividend_policy_raw_u8: u8,
+    pub dividend_policy_raw_hex: String,
     pub dword_candidates: Vec<SmpSaveDwordCandidate>,
     pub evidence: Vec<String>,
 }
@@ -2256,6 +2268,14 @@ pub struct SmpLoadedWorldFinanceNeighborhoodState {
     pub absolute_counter_raw_hex: String,
     pub absolute_counter_mirror_raw_u32: u32,
     pub absolute_counter_mirror_raw_hex: String,
+    pub stock_policy_raw_u8: u8,
+    pub stock_policy_raw_hex: String,
+    pub bond_policy_raw_u8: u8,
+    pub bond_policy_raw_hex: String,
+    pub bankruptcy_policy_raw_u8: u8,
+    pub bankruptcy_policy_raw_hex: String,
+    pub dividend_policy_raw_u8: u8,
+    pub dividend_policy_raw_hex: String,
     pub labels: Vec<String>,
     pub relative_offsets: Vec<usize>,
     pub relative_offset_hex: Vec<String>,
@@ -3500,6 +3520,14 @@ fn derive_loaded_world_finance_neighborhood_state_from_probe(
         absolute_counter_raw_hex: probe.absolute_counter_lane.raw_u32_hex.clone(),
         absolute_counter_mirror_raw_u32: probe.absolute_counter_mirror_lane.raw_u32,
         absolute_counter_mirror_raw_hex: probe.absolute_counter_mirror_lane.raw_u32_hex.clone(),
+        stock_policy_raw_u8: probe.stock_policy_raw_u8,
+        stock_policy_raw_hex: probe.stock_policy_raw_hex.clone(),
+        bond_policy_raw_u8: probe.bond_policy_raw_u8,
+        bond_policy_raw_hex: probe.bond_policy_raw_hex.clone(),
+        bankruptcy_policy_raw_u8: probe.bankruptcy_policy_raw_u8,
+        bankruptcy_policy_raw_hex: probe.bankruptcy_policy_raw_hex.clone(),
+        dividend_policy_raw_u8: probe.dividend_policy_raw_u8,
+        dividend_policy_raw_hex: probe.dividend_policy_raw_hex.clone(),
         labels: probe
             .dword_candidates
             .iter()
@@ -9100,6 +9128,22 @@ fn parse_save_world_finance_neighborhood_probe(
             "absolute_calendar_counter_mirror",
             RT3_SAVE_WORLD_BLOCK_ABSOLUTE_COUNTER_MIRROR_RELATIVE_OFFSET,
         )?;
+        let stock_policy_raw_u8 = read_u8_at(
+            bytes,
+            payload_offset + RT3_SAVE_WORLD_BLOCK_STOCK_POLICY_RELATIVE_OFFSET,
+        )?;
+        let bond_policy_raw_u8 = read_u8_at(
+            bytes,
+            payload_offset + RT3_SAVE_WORLD_BLOCK_BOND_POLICY_RELATIVE_OFFSET,
+        )?;
+        let bankruptcy_policy_raw_u8 = read_u8_at(
+            bytes,
+            payload_offset + RT3_SAVE_WORLD_BLOCK_BANKRUPTCY_POLICY_RELATIVE_OFFSET,
+        )?;
+        let dividend_policy_raw_u8 = read_u8_at(
+            bytes,
+            payload_offset + RT3_SAVE_WORLD_BLOCK_DIVIDEND_POLICY_RELATIVE_OFFSET,
+        )?;
         let dword_candidates =
             build_save_world_finance_neighborhood_candidates(bytes, payload_offset)?;
 
@@ -9119,6 +9163,14 @@ fn parse_save_world_finance_neighborhood_probe(
             current_calendar_tuple_word_2_lane,
             absolute_counter_lane,
             absolute_counter_mirror_lane,
+            stock_policy_raw_u8,
+            stock_policy_raw_hex: format!("0x{stock_policy_raw_u8:02x}"),
+            bond_policy_raw_u8,
+            bond_policy_raw_hex: format!("0x{bond_policy_raw_u8:02x}"),
+            bankruptcy_policy_raw_u8,
+            bankruptcy_policy_raw_hex: format!("0x{bankruptcy_policy_raw_u8:02x}"),
+            dividend_policy_raw_u8,
+            dividend_policy_raw_hex: format!("0x{dividend_policy_raw_u8:02x}"),
             dword_candidates,
             evidence: vec![
                 format!(
@@ -9133,6 +9185,13 @@ fn parse_save_world_finance_neighborhood_probe(
                     RT3_SAVE_WORLD_BLOCK_CURRENT_CALENDAR_TUPLE_WORD_2_RELATIVE_OFFSET,
                     RT3_SAVE_WORLD_BLOCK_ABSOLUTE_COUNTER_RELATIVE_OFFSET
                 ),
+                format!(
+                    "payload +0x{:x}/+0x{:x}/+0x{:x}/+0x{:x} carry the stock, bond, bankruptcy, and dividend finance-policy bytes mirrored from scenario offsets 0x4a87/0x4a8b/0x4a8f/0x4a93",
+                    RT3_SAVE_WORLD_BLOCK_STOCK_POLICY_RELATIVE_OFFSET,
+                    RT3_SAVE_WORLD_BLOCK_BOND_POLICY_RELATIVE_OFFSET,
+                    RT3_SAVE_WORLD_BLOCK_BANKRUPTCY_POLICY_RELATIVE_OFFSET,
+                    RT3_SAVE_WORLD_BLOCK_DIVIDEND_POLICY_RELATIVE_OFFSET
+                ),
                 "finance-neighborhood candidates cover the fixed dword strip around the grounded world calendar tuple, absolute-counter, selection-context, and issue-0x37 lanes so broader finance reader closure can build on one rehosted owner surface.".to_string(),
             ],
         });
@@ -15868,6 +15927,10 @@ mod tests {
             bytes[payload_offset + relative_offset..payload_offset + relative_offset + 4]
                 .copy_from_slice(&((index as u32) + 1).to_le_bytes());
         }
+        bytes[payload_offset + RT3_SAVE_WORLD_BLOCK_STOCK_POLICY_RELATIVE_OFFSET] = 1;
+        bytes[payload_offset + RT3_SAVE_WORLD_BLOCK_BOND_POLICY_RELATIVE_OFFSET] = 2;
+        bytes[payload_offset + RT3_SAVE_WORLD_BLOCK_BANKRUPTCY_POLICY_RELATIVE_OFFSET] = 3;
+        bytes[payload_offset + RT3_SAVE_WORLD_BLOCK_DIVIDEND_POLICY_RELATIVE_OFFSET] = 4;
         let next_chunk_offset = payload_offset + RT3_SAVE_WORLD_BLOCK_LEN;
         bytes[next_chunk_offset..next_chunk_offset + 4]
             .copy_from_slice(&RT3_SAVE_WORLD_BLOCK_NEXT_CHUNK_TAG.to_le_bytes());
@@ -15897,6 +15960,14 @@ mod tests {
         assert_eq!(probe.packed_year_word_raw_hex, "0x0001");
         assert_eq!(probe.partial_year_progress_raw_u8, 0);
         assert_eq!(probe.partial_year_progress_raw_hex, "0x00");
+        assert_eq!(probe.stock_policy_raw_u8, 1);
+        assert_eq!(probe.stock_policy_raw_hex, "0x01");
+        assert_eq!(probe.bond_policy_raw_u8, 2);
+        assert_eq!(probe.bond_policy_raw_hex, "0x02");
+        assert_eq!(probe.bankruptcy_policy_raw_u8, 3);
+        assert_eq!(probe.bankruptcy_policy_raw_hex, "0x03");
+        assert_eq!(probe.dividend_policy_raw_u8, 4);
+        assert_eq!(probe.dividend_policy_raw_hex, "0x04");
         assert_eq!(probe.current_calendar_tuple_word_lane.value_i32, 1);
         assert_eq!(
             probe.current_calendar_tuple_word_2_lane.relative_offset_hex,

crates/rrt-runtime/src/summary.rs

@@ -1,8 +1,8 @@
 use serde::{Deserialize, Serialize};
 
 use crate::{
-    CalendarPoint, RuntimeState, runtime_company_annual_finance_state,
+    CalendarPoint, RuntimeState, runtime_company_annual_creditor_pressure_state,
-    runtime_company_unassigned_share_pool,
+    runtime_company_annual_finance_state, runtime_company_unassigned_share_pool,
 };
 
 fn raw_u32_to_f32_text(raw: u32) -> String {
@@ -50,6 +50,14 @@ pub struct RuntimeSummary {
     pub world_restore_issue_3a_value: Option<u32>,
     pub world_restore_issue_37_multiplier_raw_u32: Option<u32>,
     pub world_restore_issue_37_multiplier_value_f32_text: Option<String>,
+    pub world_restore_stock_issue_and_buyback_policy_raw_u8: Option<u8>,
+    pub world_restore_bond_issue_and_repayment_policy_raw_u8: Option<u8>,
+    pub world_restore_bankruptcy_policy_raw_u8: Option<u8>,
+    pub world_restore_dividend_policy_raw_u8: Option<u8>,
+    pub world_restore_stock_issue_and_buyback_allowed: Option<bool>,
+    pub world_restore_bond_issue_and_repayment_allowed: Option<bool>,
+    pub world_restore_bankruptcy_allowed: Option<bool>,
+    pub world_restore_dividend_adjustment_allowed: Option<bool>,
     pub world_restore_finance_neighborhood_count: usize,
     pub world_restore_finance_neighborhood_labels: Vec<String>,
     pub world_restore_economic_tuning_mirror_raw_u32: Option<u32>,
@@ -87,6 +95,16 @@ pub struct RuntimeSummary {
     pub selected_company_current_issue_age_absolute_counter_delta: Option<i64>,
     pub selected_company_chairman_bonus_year: Option<u32>,
     pub selected_company_chairman_bonus_amount: Option<i32>,
+    pub selected_company_creditor_pressure_recent_bad_net_profit_year_count: Option<u32>,
+    pub selected_company_creditor_pressure_recent_peak_revenue: Option<i64>,
+    pub selected_company_creditor_pressure_recent_three_year_net_profit_total: Option<i64>,
+    pub selected_company_creditor_pressure_cash_floor: Option<i64>,
+    pub selected_company_creditor_pressure_cash_plus_slot_12_total: Option<i64>,
+    pub selected_company_creditor_pressure_share_price_floor: Option<i64>,
+    pub selected_company_creditor_pressure_share_price_scalar: Option<i64>,
+    pub selected_company_creditor_pressure_current_fuel_cost: Option<i64>,
+    pub selected_company_creditor_pressure_current_fuel_cost_floor: Option<i64>,
+    pub selected_company_creditor_pressure_eligible_for_bankruptcy_branch: Option<bool>,
     pub player_count: usize,
     pub chairman_profile_count: usize,
     pub active_chairman_profile_count: usize,
@@ -176,6 +194,10 @@ impl RuntimeSummary {
         let selected_company_annual_finance_state = state
             .selected_company_id
             .and_then(|company_id| runtime_company_annual_finance_state(state, company_id));
+        let selected_company_creditor_pressure_state =
+            state.selected_company_id.and_then(|company_id| {
+                runtime_company_annual_creditor_pressure_state(state, company_id)
+            });
         Self {
             calendar: state.calendar,
             calendar_projection_source: state.metadata.get("save_slice.calendar_source").cloned(),
@@ -255,6 +277,24 @@ impl RuntimeSummary {
                 .world_restore
                 .issue_37_multiplier_value_f32_text
                 .clone(),
+            world_restore_stock_issue_and_buyback_policy_raw_u8: state
+                .world_restore
+                .stock_issue_and_buyback_policy_raw_u8,
+            world_restore_bond_issue_and_repayment_policy_raw_u8: state
+                .world_restore
+                .bond_issue_and_repayment_policy_raw_u8,
+            world_restore_bankruptcy_policy_raw_u8: state.world_restore.bankruptcy_policy_raw_u8,
+            world_restore_dividend_policy_raw_u8: state.world_restore.dividend_policy_raw_u8,
+            world_restore_stock_issue_and_buyback_allowed: state
+                .world_restore
+                .stock_issue_and_buyback_allowed,
+            world_restore_bond_issue_and_repayment_allowed: state
+                .world_restore
+                .bond_issue_and_repayment_allowed,
+            world_restore_bankruptcy_allowed: state.world_restore.bankruptcy_allowed,
+            world_restore_dividend_adjustment_allowed: state
+                .world_restore
+                .dividend_adjustment_allowed,
             world_restore_finance_neighborhood_count: state
                 .world_restore
                 .finance_neighborhood_candidates
@@ -372,6 +412,45 @@ impl RuntimeSummary {
             selected_company_chairman_bonus_amount: selected_company_market_state
                 .map(|market_state| market_state.chairman_bonus_amount)
                 .filter(|amount| *amount != 0),
+            selected_company_creditor_pressure_recent_bad_net_profit_year_count:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .map(|pressure_state| pressure_state.recent_bad_net_profit_year_count),
+            selected_company_creditor_pressure_recent_peak_revenue:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.recent_peak_revenue),
+            selected_company_creditor_pressure_recent_three_year_net_profit_total:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.recent_three_year_net_profit_total),
+            selected_company_creditor_pressure_cash_floor: selected_company_creditor_pressure_state
+                .as_ref()
+                .and_then(|pressure_state| pressure_state.pressure_ladder_cash_floor),
+            selected_company_creditor_pressure_cash_plus_slot_12_total:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.current_cash_plus_slot_12_total),
+            selected_company_creditor_pressure_share_price_floor:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.support_adjusted_share_price_floor),
+            selected_company_creditor_pressure_share_price_scalar:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.support_adjusted_share_price_scalar),
+            selected_company_creditor_pressure_current_fuel_cost:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.current_fuel_cost),
+            selected_company_creditor_pressure_current_fuel_cost_floor:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .and_then(|pressure_state| pressure_state.current_fuel_cost_floor),
+            selected_company_creditor_pressure_eligible_for_bankruptcy_branch:
+                selected_company_creditor_pressure_state
+                    .as_ref()
+                    .map(|pressure_state| pressure_state.eligible_for_bankruptcy_branch),
             player_count: state.players.len(),
             chairman_profile_count: state.chairman_profiles.len(),
             active_chairman_profile_count: state
@@ -1217,6 +1296,14 @@ mod tests {
                 issue_3a_value: Some(4),
                 issue_37_multiplier_raw_u32: Some(0x3d75c28f),
                 issue_37_multiplier_value_f32_text: Some("0.06".to_string()),
+                stock_issue_and_buyback_policy_raw_u8: Some(0),
+                bond_issue_and_repayment_policy_raw_u8: Some(1),
+                bankruptcy_policy_raw_u8: Some(0),
+                dividend_policy_raw_u8: Some(1),
+                stock_issue_and_buyback_allowed: Some(true),
+                bond_issue_and_repayment_allowed: Some(false),
+                bankruptcy_allowed: Some(true),
+                dividend_adjustment_allowed: Some(false),
                 economic_tuning_mirror_raw_u32: Some(0x3f46dff5),
                 economic_tuning_mirror_value_f32_text: Some("0.7766201".to_string()),
                 economic_tuning_lane_raw_u32: vec![
@@ -1301,6 +1388,29 @@ mod tests {
             summary.world_restore_issue_37_multiplier_raw_u32,
             Some(0x3d75c28f)
         );
+        assert_eq!(
+            summary.world_restore_stock_issue_and_buyback_policy_raw_u8,
+            Some(0)
+        );
+        assert_eq!(
+            summary.world_restore_bond_issue_and_repayment_policy_raw_u8,
+            Some(1)
+        );
+        assert_eq!(summary.world_restore_bankruptcy_policy_raw_u8, Some(0));
+        assert_eq!(summary.world_restore_dividend_policy_raw_u8, Some(1));
+        assert_eq!(
+            summary.world_restore_stock_issue_and_buyback_allowed,
+            Some(true)
+        );
+        assert_eq!(
+            summary.world_restore_bond_issue_and_repayment_allowed,
+            Some(false)
+        );
+        assert_eq!(summary.world_restore_bankruptcy_allowed, Some(true));
+        assert_eq!(
+            summary.world_restore_dividend_adjustment_allowed,
+            Some(false)
+        );
         assert_eq!(
             summary
                 .world_restore_issue_37_multiplier_value_f32_text
@@ -2177,4 +2287,153 @@ mod tests {
         assert_eq!(summary.selected_company_chairman_bonus_year, Some(1842));
         assert_eq!(summary.selected_company_chairman_bonus_amount, Some(750));
     }
+
+    #[test]
+    fn summarizes_selected_company_creditor_pressure_branch_state() {
+        let mut year_stat_family_qword_bits = vec![
+            0u64;
+            ((crate::RUNTIME_COMPANY_STAT_SLOT_COUNT + 2)
+                * crate::RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN)
+                as usize
+        ];
+        let write_current_value = |bits: &mut Vec<u64>, slot_id: u32, value: f64| {
+            let index = (slot_id * crate::RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN) as usize;
+            bits[index] = value.to_bits();
+        };
+        let write_prior_year_value =
+            |bits: &mut Vec<u64>, slot_id: u32, year_delta: u32, value: f64| {
+                let index =
+                    (slot_id * crate::RUNTIME_COMPANY_YEAR_STAT_FAMILY_SPAN + year_delta) as usize;
+                bits[index] = value.to_bits();
+            };
+        write_current_value(&mut year_stat_family_qword_bits, 0x09, -50_000.0);
+        write_current_value(&mut year_stat_family_qword_bits, 0x0d, -700_000.0);
+        write_current_value(&mut year_stat_family_qword_bits, 0x12, 0.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 1, 100_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 2, 90_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x01, 3, 80_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 1, -115_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 2, -110_000.0);
+        write_prior_year_value(&mut year_stat_family_qword_bits, 0x09, 3, -110_000.0);
+
+        let state = RuntimeState {
+            calendar: CalendarPoint {
+                year: 1845,
+                month_slot: 0,
+                phase_slot: 0,
+                tick_slot: 0,
+            },
+            world_flags: BTreeMap::new(),
+            save_profile: RuntimeSaveProfileState::default(),
+            world_restore: RuntimeWorldRestoreState {
+                packed_year_word_raw_u16: Some(1845),
+                partial_year_progress_raw_u8: Some(0x0c),
+                bankruptcy_policy_raw_u8: Some(0),
+                bankruptcy_allowed: Some(true),
+                ..RuntimeWorldRestoreState::default()
+            },
+            metadata: BTreeMap::new(),
+            companies: vec![RuntimeCompany {
+                company_id: 7,
+                current_cash: 0,
+                debt: 0,
+                credit_rating_score: None,
+                prime_rate: None,
+                active: true,
+                available_track_laying_capacity: None,
+                controller_kind: crate::RuntimeCompanyControllerKind::Unknown,
+                linked_chairman_profile_id: None,
+                book_value_per_share: 0,
+                investor_confidence: 0,
+                management_attitude: 0,
+                takeover_cooldown_year: None,
+                merger_cooldown_year: None,
+                track_piece_counts: RuntimeTrackPieceCounts::default(),
+            }],
+            selected_company_id: Some(7),
+            players: Vec::new(),
+            selected_player_id: None,
+            chairman_profiles: Vec::new(),
+            selected_chairman_profile_id: None,
+            trains: Vec::new(),
+            locomotive_catalog: Vec::new(),
+            cargo_catalog: Vec::new(),
+            territories: Vec::new(),
+            company_territory_track_piece_counts: Vec::new(),
+            company_territory_access: Vec::new(),
+            packed_event_collection: None,
+            event_runtime_records: Vec::new(),
+            candidate_availability: BTreeMap::new(),
+            named_locomotive_availability: BTreeMap::new(),
+            named_locomotive_cost: BTreeMap::new(),
+            all_cargo_price_override: None,
+            named_cargo_price_overrides: BTreeMap::new(),
+            all_cargo_production_override: None,
+            factory_cargo_production_override: None,
+            farm_mine_cargo_production_override: None,
+            named_cargo_production_overrides: BTreeMap::new(),
+            cargo_production_overrides: BTreeMap::new(),
+            world_runtime_variables: BTreeMap::new(),
+            company_runtime_variables: BTreeMap::new(),
+            player_runtime_variables: BTreeMap::new(),
+            territory_runtime_variables: BTreeMap::new(),
+            world_scalar_overrides: BTreeMap::new(),
+            special_conditions: BTreeMap::new(),
+            service_state: RuntimeServiceState {
+                company_market_state: BTreeMap::from([(
+                    7,
+                    crate::RuntimeCompanyMarketState {
+                        founding_year: 1841,
+                        last_bankruptcy_year: 1832,
+                        cached_share_price_raw_u32: 25.0f32.to_bits(),
+                        year_stat_family_qword_bits,
+                        ..crate::RuntimeCompanyMarketState::default()
+                    },
+                )]),
+                ..RuntimeServiceState::default()
+            },
+        };
+
+        let summary = RuntimeSummary::from_state(&state);
+        assert_eq!(
+            summary.selected_company_creditor_pressure_recent_bad_net_profit_year_count,
+            Some(3)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_recent_peak_revenue,
+            Some(100_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_recent_three_year_net_profit_total,
+            Some(-65_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_cash_floor,
+            Some(-600_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_cash_plus_slot_12_total,
+            Some(-700_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_share_price_floor,
+            Some(20)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_share_price_scalar,
+            Some(25)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_current_fuel_cost,
+            Some(-50_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_current_fuel_cost_floor,
+            Some(-48_000)
+        );
+        assert_eq!(
+            summary.selected_company_creditor_pressure_eligible_for_bankruptcy_branch,
+            Some(true)
+        );
+    }
 }

docs/README.md

@@ -134,7 +134,9 @@ The highest-value next passes are now:
   and last bankruptcy for later annual finance-policy rehosting; live bond-slot count now travels through that same owned annual-finance
   state for the stock-capital branch gate, and the grounded bond table now also contributes both
   the largest live bond principal and the chosen highest-coupon live bond principal into that same
-  owner-state surface
+  owner-state surface; the same fixed-world save block now also carries the raw stock, bond,
+  bankruptcy, and dividend finance-policy bytes, and the first annual creditor-pressure branch now
+  executes as a pure runtime reader over that owner state instead of remaining atlas-only
 - the project rule on the remaining closure work is now explicit too: when one runtime-facing field
   is still ambiguous, prefer rehosting the owning source state or real reader/setter family first
   instead of guessing another derived leaf field from neighboring raw offsets

docs/runtime-rehost-plan.md

@@ -225,7 +225,10 @@ owned company market and annual-finance state, matching the stock-capital branch
 at least two live bonds. The same grounded bond table now also contributes both the largest live
 bond principal and the chosen highest-coupon live bond principal into owned company market and
 annual-finance state, so later stock-capital gates can extend a rehosted owner-state seam instead
-of guessing another finance leaf.
+of guessing another finance leaf. The same fixed-world save block now also carries the raw stock,
+bond, bankruptcy, and dividend finance-policy bytes, and the earliest annual creditor-pressure
+bankruptcy branch now runs as a pure runtime reader over owned annual-finance state, support-
+adjusted share price, and those policy bytes rather than staying in atlas prose only.
 
 ## Why This Boundary