{
  "tool_id": "art-255-compute-lcm-rate-derivation",
  "kernel_id": "art-255-compute-lcm-rate-derivation",
  "display_name": "LCM Rate Derivation Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "analytics_mandate",
  "purpose": "Computes the Loss Cost Multiplier (LCM) and indicated insurance rate from user-supplied loss costs and expense/profit loadings. LCM = 1 / (1 - LAE% - fixed_exp% - variable_exp% - profit%). Indicated rate = loss_cost * LCM. Supports credibility-weighted blending of user's own loss costs with a complement. PROPRIETARY-DATA: this kernel performs LCM decomposition arithmetic ONLY on user-supplied loss costs -- it NEVER embeds, redistributes, or references ISO/Verisk advisory loss cost rate pages (Verisk-proprietary). ASOP 25 compliant. ZERO PII: aggregate rate components only.",
  "control_description": "Computes the Loss Cost Multiplier (LCM) and indicated insurance rate from user-supplied loss costs and expense/profit loadings. LCM = 1 / (1 - LAE% - fixed_exp% - variable_exp% - profit%). Indicated rate = loss_cost * LCM. Supports credibility-weighted blending of user's own loss costs with a complement. PROPRIETARY-DATA: this kernel performs LCM decomposition arithmetic ONLY on user-supplied loss costs -- it NEVER embeds, redistributes, or references ISO/Verisk advisory loss cost rate pages (Verisk-proprietary). ASOP 25 compliant. ZERO PII: aggregate rate components only.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:d206ed051fd45134f40a3c4a1c1d7ff696243aa84d005225fe8c3d4e9084dca4",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 43,
  "source_url": "https://ainumbers.co/chaingraph/art-255-compute-lcm-rate-derivation.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}