Product

Structural Spine, Phase Atlas, PAC, and Capital Impact

PTEM provides a deterministic structural conditioning layer for catastrophe event-set evaluation. Phase Atlas measures structural capacity, PAC applies that capacity to the same event set, and Capital Impact reports how extreme-event mass, VaR, TVaR, and regime segmentation change under identical inputs.

PTEM is not a catastrophe model replacement and does not generate events.

PAC is available through a deterministic evaluation interface (SDK + CLI), enabling external execution on institutional event sets under preserved input conditions.

Evaluation artifacts include row-preserving conditioned event sets, comparative tail metrics, deterministic receipts, manifests, and validation summaries.

Product Architecture

Structural Spine
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Phase Atlas
↓
PAC
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Capital Impact
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One-page decision artifact

Phase Atlas converts frozen structural measurements into a basin-scale climatology surface. PAC consumes that surface and applies structural-capacity conditioning to external event sets. Capital Impact then performs deterministic post-conditioning analytics under the same event set.

Layer responsibilities

Structural Spine

  • Frozen structural spines under forward-only computation
  • Manifest-backed artifacts and deterministic replay
  • No outcome-conditioned tuning

Phase Atlas

  • Structural climatology surface generated from frozen spine inputs
  • Deterministic structural capacity metrics by year and regime
  • Non-forecasting, year-level surface for governed evaluation workflows

PAC

  • Consumes frozen Phase Atlas surfaces as a read-only conditioning source
  • Applies deterministic conditioning to external event sets
  • Produces row-preserving conditioned outputs for deterministic comparison

Capital Impact Layer

PAC Capital Impact compares baseline and PAC-conditioned event sets under identical inputs. It reports VaR, TVaR, capital multiplier, extreme-event mass, and regime segmentation.

  • baseline vs conditioned VaR
  • baseline vs conditioned TVaR
  • capital multiplier
  • extreme-event mass delta
  • low/high structural-capacity segmentation
  • one-page capital impact sheet

PAC Capital Impact is not a pricing model, regulatory capital model, forecast output, event generator, or catastrophe model replacement. It is deterministic post-conditioning analytics designed to show how structural-capacity conditioning changes tail metrics under the same event set.

PAC integration interface

PAC is designed for external event-set outputs. It applies structural-capacity conditioning to existing rows and emits deterministic post-conditioning analytics. No synthetic-track PTEM computation is required.

Input

  • event set with year and loss
  • same event set for baseline and conditioned comparison

Output

  • adjusted event weights
  • optional adjusted losses
  • extreme_weight_contribution
  • capital_impact_report.json
  • capital_impact_sheet.md
  • conditioning_manifest.json
  • conditioning_receipt.json

PAC in one sentence: PAC applies a frozen structural climatology constraint to external event sets, then deterministic post-conditioning analytics translate results into capital-relevant tail metrics.

Governance posture

PTEM releases are governance-first, manifest-first, and replay-safe.

  • forward-only computation
  • frozen structural spines
  • manifest-backed artifacts
  • deterministic replay
  • no outcome-conditioned tuning
  • non-forecasting outputs

See /validation for validation detail and /access for evaluation access scope.