# ApexLogics — Deterministic Decision Engines for People, Creators, and Agents
# https://apexlogics.org
# Publisher: Post Oak Labs — https://postoaklabs.com
# Sister suites: AINumbers.co (markets & institutions) — https://ainumbers.co · OpenChainScience (science & evidence)
# License: CC BY 4.0
# Policy Mandate Protocol: OpenChainGraph decision-record (org.apexlogics namespace) — not Google's Agent Payments Protocol, which ApexLogics tools do not emit
# Suite version: registry v5.13.0 · spec v10.9 · contract v1.12.1
# Last updated: 2026-10-02
# Tools: 185 shipped · 111 showcase exemplars · 0 deferred · 0 proposed
# Privacy: Zero PII. All computation client-side. No accounts, no tracking.

## Summary

ApexLogics is deterministic decision engines for people, creators, and agents: 185 browser-based tools covering career and education economics, including credential ROI, education financing, compensation analysis, career transitions, licensing, workforce development, immigration, equity tax, and freelance tax planning. Every tool is a single self-contained HTML file with zero network calls after load and zero PII collection. All tools emit Policy Mandates (JSON) and Markdown reports for agent and human handoff. 41 multi-tool workflows chain tools into end-to-end decision journeys at /workflows/. 10 guides at /guides/.

## How to Use This File

Each tool entry below gives: display number, AL-ID, title, URL, one-line description, Policy Mandate type emitted, and downstream handoff candidates. Full machine-readable metadata (tags, personas, journeys, data vintage): https://apexlogics.org/suite-registry.json

## OpenChainGraph (machine-readable discovery)

ApexLogics conforms to the OpenChainGraph Standard v0.8.8 (https://postoaklabs.github.io/chaingraph/). Every tool emits a hash-anchored, chainable Policy Mandate artifact carrying a verifiable SHA-256 execution_hash over canonical {policy_parameters, output_payload}, and captures an inbound parent artifact via the ?ap2= handoff for runtime chaining (chain.parent_hashes). Namespace: org.apexlogics. chaingraph_version is the single version anchor; the legacy ap2_mandate_type field is retained per-artifact as a deprecated alias, and the ap2_version field has been retired ("Policy Mandate" is the OCG decision-record type — not Google's Agent Payments Protocol, which ApexLogics tools do not emit).
- Graph index (every node's mandate_type + consumes/feeds chain edges): https://apexlogics.org/chaingraph/chaingraph.json
- A2A agent card (declares the x-chaingraph extension): https://apexlogics.org/.well-known/agent-card.json
- Independent hash verification (MCP tool): verify_execution_hash at https://mcp.apexlogics.org/mcp

## Category: Education Path & ROI (30 tools)

### #01 · AL-02 — Credential ROI Suite
URL: https://apexlogics.org/tools/01-credential-roi-suite/
Calculate the NPV and payback period of professional certifications against career earnings uplift.
Policy Mandate type: credential_roi_evaluation
Handoffs out: AL-26

### #03 · AL-26 — Graduate School ROI Comparator
URL: https://apexlogics.org/tools/03-graduate-school-roi-comparator/
Compare graduate programs by tuition, opportunity cost, earnings uplift, and NPV break-even timeline.
Policy Mandate type: graduate_school_roi_record

### #17 · AL-29 — MBA Program Fit & ROI Ranker
URL: https://apexlogics.org/tools/17-mba-program-fit-ranker/
Compare up to 4 MBA programs by COA, opportunity cost, post-MBA salary by specialization, payback, and NPV. 40+ programs. Policy Mandate inbound from AL-26; outbound to AL-30.
Policy Mandate type: mba_roi_evaluation
Handoffs out: AL-30, AL-20, AL-26

### #18 · AL-30 — Test Prep Investment Analyzer
URL: https://apexlogics.org/tools/18-test-prep-investment-analyzer/
ROI of test prep for GMAT/GRE/TOEFL/IELTS/LSAT/MCAT. Score gap + prep cost vs. admissions tier shift and scholarship lift. 2-tab tool.
Policy Mandate type: test_prep_roi_record
Handoffs out: AL-29, AL-20, AL-26

### #19 · AL-31 — International Student Cost Modeler
URL: https://apexlogics.org/tools/19-international-student-cost-modeler/
F-1 visa costs, OPT/STEM OPT earnings window, H-1B rates FY2020-24, non-US program comparison. 2-tab tool. Legal disclaimer required.
Policy Mandate type: international_student_cost_record
Handoffs out: AL-26, AL-29, AL-30

### #31 · AL-36 — Trade vs. Degree ROI Engine
URL: https://apexlogics.org/tools/31-trade-vs-degree-roi-engine/
Model the NPV of trade apprenticeship versus four-year degree pathways by occupation and state.
Policy Mandate type: education_path_record
Handoffs out: AL-02, AL-13, AL-39

### #34 · AL-39 — Professional Degree ROI Ranker
URL: https://apexlogics.org/tools/34-professional-degree-roi-ranker/
Rank MD, JD, MBA, and other professional degrees by tuition, opportunity cost, and lifetime earnings NPV.
Policy Mandate type: professional_degree_record
Handoffs out: AL-26, AL-13

### #43 · AL-48 — Dual Enrollment ROI Calculator
URL: https://apexlogics.org/tools/43-dual-enrollment-roi-calculator/
Quantifies tuition arbitrage, semester compression, and early workforce earnings NPV from dual enrollment. Pure math on user inputs — no embedded data.
Policy Mandate type: dual_enrollment_record
Handoffs out: AL-02, AL-03

### #45 · AL-50 — Tutor ROI Calculator
URL: https://apexlogics.org/tools/45-tutor-roi-calculator/
Models expected value of tutoring investment: probability of score improvement × (merit scholarship NPV + admission value uplift) vs. tutor cost. Returns net ROI, break-even probability, and gross value.
Policy Mandate type: tutor_roi_record
Handoffs out: AL-14, AL-02, AL-51

### #46 · AL-51 — Test Retake Decision Engine
URL: https://apexlogics.org/tools/46-test-retake-decision-engine/
EV model for retake vs. apply-now on GRE/GMAT/LSAT/MCAT/SAT/ACT. Returns expected value of each path, EV advantage, break-even probability of improvement, and cycle delay cost.
Policy Mandate type: test_retake_record
Handoffs out: AL-03, AL-18, AL-50

### #47 · AL-52 — MBA Application Portfolio Optimizer
URL: https://apexlogics.org/tools/47-mba-application-portfolio-optimizer/
Expected-value optimizer for MBA application school list. Models P(≥1 offer), expected scholarship, portfolio EV, and marginal value per additional school by tier.
Policy Mandate type: mba_portfolio_record
Handoffs out: AL-26, AL-22, AL-13

### #49 · AL-54 — PhD vs. Industry Pivot Calculator
URL: https://apexlogics.org/tools/49-phd-vs-industry-pivot-calculator/
NPV model for finishing a PhD vs. leaving for industry. Computes opportunity cost, break-even year, PSLF impact, and year-by-year cumulative earnings.
Policy Mandate type: phd_pivot_record
Handoffs out: AL-26, AL-03, AL-13

### #50 · AL-55 — Law School ROI by Career Track
URL: https://apexlogics.org/tools/50-law-school-roi-by-career-track/
10-yr NPV for BigLaw, In-House, Government, and Public Interest tracks. Models PSLF forgiveness, IDR vs. standard repayment, and break-even year.
Policy Mandate type: law_school_roi_record
Handoffs out: AL-13, AL-22, AL-26

### #51 · AL-56 — GMAT vs. GRE Strategic Choice Engine
URL: https://apexlogics.org/tools/51-gmat-vs-gre-strategic-choice-engine/
Profile-based scoring engine recommending GMAT vs. GRE. Scores 7 dimensions, produces target score tables by tier, all-in cost comparison, and prep estimate.
Policy Mandate type: test_choice_record
Handoffs out: AL-30, AL-51, AL-52, AL-29

### #52 · AL-57 — Executive MBA vs. Full-Time MBA Decision Engine
URL: https://apexlogics.org/tools/52-exec-mba-vs-fulltime-mba-engine/
10-yr NPV of EMBA vs. FT MBA vs. No MBA. Models employer sponsorship, 2-yr salary gap, career pivot feasibility, and break-even year.
Policy Mandate type: exec_mba_record
Handoffs out: AL-29, AL-52, AL-26

### #54 · AL-61 — TOEFL vs. IELTS vs. Duolingo Choice Engine
URL: https://apexlogics.org/tools/54-toefl-ielts-duolingo-choice-engine/
Profile-based scoring engine recommending TOEFL, IELTS, or Duolingo for international MBA and graduate applicants. Scores 8 profile dimensions, produces target score tables by program tier, all-in cost comparison, and 2026 school acceptance policy notes including Wharton's new Duolingo acceptance.
Policy Mandate type: english_test_choice_record
Handoffs out: AL-30, AL-51, AL-52, AL-31

### #55 · AL-62 — LSAT Score → Law School Tier Match & Financial Planner
URL: https://apexlogics.org/tools/55-lsat-tier-match-planner/
Maps LSAT score and GPA to realistic law school tier access (T14/T15–50/Regional) with financial outcomes: expected debt, 10-year NPV by career track, scholarship probability, PSLF forgiveness, and points-to-next-tier analysis.
Policy Mandate type: lsat_tier_record
Handoffs out: AL-51, AL-55, AL-13

### #56 · AL-63 — MBA Scholarship Strategy Engine
URL: https://apexlogics.org/tools/56-mba-scholarship-strategy-engine/
Two-stage scholarship strategy engine: (1) Round Timing Optimizer — dollar EV of applying R1 vs. R2 vs. R3 given application readiness, admit-rate edge, and merit budget depletion; (2) Offer Negotiation EV — probability-weighted value of countering with a competing offer, by school type.
Policy Mandate type: mba_scholarship_record
Handoffs out: AL-52, AL-26, AL-29, AL-13

### #57 · AL-64 — MBA Admissions Consulting ROI Calculator
URL: https://apexlogics.org/tools/57-mba-admissions-consulting-roi/
Expected-value model for admissions consulting: converts claimed admission-probability uplift into dollar EV using tier salary premium NPVs, computes break-even uplift for the fee, and runs sensitivity across 2–15pp real uplift.
Policy Mandate type: consulting_roi_record
Handoffs out: AL-52, AL-63, AL-26, AL-29

### #58 · AL-65 — MBA Yield Decision Engine
URL: https://apexlogics.org/tools/58-mba-yield-decision-engine/
Weighted multi-criteria decision engine for choosing among 2–3 MBA admission offers: tier salary outcomes, net cost, career goal fit, network strength, cost of living — with sensitivity analysis across five priority profiles.
Policy Mandate type: mba_yield_record
Handoffs out: AL-63, AL-26, AL-13, AL-29

### #59 · AL-66 — Dual Degree ROI Calculator
URL: https://apexlogics.org/tools/59-dual-degree-roi-calculator/
Three-path NPV model for JD/MBA, MD/MBA, MPH/MBA, MPP/MBA decisions: primary degree only vs. concurrent dual vs. sequential. Computes dual marginal cost, cross-domain salary premium, break-even year, and concurrency savings.
Policy Mandate type: dual_degree_record
Handoffs out: AL-26, AL-55, AL-13, AL-39

### #60 · AL-67 — Online MBA vs. EMBA vs. Full-Time MBA 4-Path Comparator
URL: https://apexlogics.org/tools/60-online-mba-comparator/
Four-path NPV and goal-fit comparator: Online MBA, EMBA, Full-Time MBA, No MBA. Models income continuity, employer perception multipliers (GMAC 2025 ~90% online acceptance), salary reset vs. uplift mechanics, and pivot feasibility by career goal.
Policy Mandate type: online_mba_record
Handoffs out: AL-57, AL-26, AL-48, AL-13

### #61 · AL-68 — MBA Waitlist Expected Value Engine
URL: https://apexlogics.org/tools/61-mba-waitlist-ev-engine/
Three-option EV model for waitlisted MBA applicants: stay on list (hedged with safety deposit), withdraw and commit, or gap-year and reapply. Uses school-class yield rates to estimate P(off waitlist) and tier premium NPVs for upgrade value.
Policy Mandate type: mba_waitlist_record
Handoffs out: AL-65, AL-63, AL-52, AL-69

### #62 · AL-69 — Deferred Enrollment MBA Decision Engine
URL: https://apexlogics.org/tools/62-deferred-enrollment-mba-engine/
Option-value model for deferred MBA admits: accept a guaranteed seat now vs. decline and reapply to a higher tier later. Computes risk-adjusted EVs, break-even upgrade probability, and the dollar value of the guarantee.
Policy Mandate type: deferred_mba_record
Handoffs out: AL-52, AL-68, AL-26, AL-43

### #63 · AL-70 — MBA Reapplicant EV Engine
URL: https://apexlogics.org/tools/63-mba-reapplicant-ev-engine/
Expected-value engine for dinged MBA applicants: reapply same schools, restructure the portfolio, take the admit in hand, or skip the MBA. Models reapplicant admit probability from profile-change uplifts, prices the cycle-delay cost, and ranks improvement moves by pp-per-dollar and pp-per-hour efficiency.
Policy Mandate type: mba_reapplicant_record
Handoffs out: AL-51, AL-52, AL-56, AL-63

### #64 · AL-71 — One-Year vs. Two-Year MBA Global Comparator
URL: https://apexlogics.org/tools/64-one-vs-two-year-mba-comparator/
Three-path NPV comparator (1-yr international MBA, 2-yr US MBA, no MBA) modeling the three mechanics generic calculators miss: opportunity-cost asymmetry (10 vs 21 months out), career-switch feasibility gates (no-internship double switch x0.60), and geo-placement gates (e.g., INSEAD <10% US placement). Embedded 12-program table, visa hard-stop logic, payback year, geo-fit scoring.
Policy Mandate type: mba_format_geo_record
Handoffs out: AL-29, AL-31, AL-59, AL-65

### #65 · AL-72 — Law School Early Decision EV Engine
URL: https://apexlogics.org/tools/65-law-school-ed-ev-engine/
Computes the expected value of binding Early Decision vs. a Regular Decision portfolio for law school: ED admission boost by median position (splitter logic), forfeited scholarship negotiation leverage, break-even ED boost, ED guarantee programs, and debt/payment impact.
Policy Mandate type: law_ed_record
Handoffs out: AL-55, AL-62, AL-13

### #66 · AL-73 — MiM vs. MBA Timing Engine
URL: https://apexlogics.org/tools/66-mim-vs-mba-timing-engine/
Lifetime-NPV timing engine for 21-24-year-olds with under two years of experience: MiM now vs. work 3-5 years then full-time MBA vs. no graduate degree. Computes NPV to age 35 and 45, the crossover salary where the verdict flips, payback years, 3/5/8% discount-rate sensitivity, and the MiM-then-MBA double-degree trap (x0.5 incremental-uplift haircut).
Policy Mandate type: mim_mba_timing_record
Handoffs out: AL-26, AL-29, AL-66

### #168 · AL-182 — Degree Plan Change Engine
URL: https://apexlogics.org/tools/168-degree-plan-change-engine/
Prices switching majors, adding a double major, adding a minor, or dropping a double major to a minor: lost-credit cost, extra-semester tuition and living cost, and delayed-graduation opportunity cost, weighed against the salary-delta NPV over a chosen horizon, with a break-even year and a go/no-go against a cheaper minor-or-internship alternative.
Policy Mandate type: degree_plan_change_record
Handoffs out: AL-48, AL-101, AL-103, AL-32

### #174 · AL-188 — Credit-by-Exam ROI (AP / IB / CLEP)
URL: https://apexlogics.org/tools/174-credit-by-exam-roi/
Price which AP, IB, and CLEP exams pay off at a specific college: per exam, the fee plus study hours valued at the user's hourly rate, against the credit grant the user transcribes from the college's policy, valued at the user's tuition rate per credit and weighted by the chance the credit applies to the degree. Exams rank by net dollars with KEEP/DROP calls, per-exam breakeven credits, and keep-vs-drop totals. No policy database is stored; every policy figure is user-transcribed.
Policy Mandate type: exam_credit_roi_record
Handoffs out: AL-48, AL-43

## Category: Compensation & Offers (16 tools)

### #04 · AL-23 — Benefits Open Enrollment Optimizer
URL: https://apexlogics.org/tools/04-benefits-open-enrollment-optimizer/
Compare health, HSA, FSA, and ancillary benefit elections by total annual cost and tax savings.
Policy Mandate type: benefits_election_record

### #05 · AL-25 — Offer Negotiation Suite
URL: https://apexlogics.org/tools/05-offer-negotiation-suite/
Model multi-variable offer negotiations with counteroffer impact on total 3-year compensation.
Policy Mandate type: offer_negotiation_record
Handoffs out: AL-27

### #21 · AL-33 — Equity Compensation Analyzer
URL: https://apexlogics.org/tools/21-equity-compensation-analyzer/
RSU vesting (cliff + graded), ISO/NSO intrinsic value, AMT flag, equity vs. cash equivalence, 3-offer total comp NPV stack. 2-tab. Legal disclaimer required.
Policy Mandate type: equity_compensation_record
Handoffs out: AL-23, AL-25

### #23 · AL-22 — Freelance / 1099 Total Cost Calculator
URL: https://apexlogics.org/tools/23-freelance-1099-total-cost-calculator/
Convert 1099 freelance rates to W-2 equivalents accounting for SE tax, benefits, and overhead costs.
Policy Mandate type: freelance_total_cost_record
Handoffs out: AL-25

### #25 · AL-01 — Total Compensation Suite
URL: https://apexlogics.org/tools/25-total-compensation-suite/
Model total compensation across base, bonus, equity, and benefits for up to four offers or scenarios.
Policy Mandate type: total_comp_record
Handoffs out: AL-33, AL-04

### #26 · AL-04 — Geo-Fiscal Arbitrage Simulator
URL: https://apexlogics.org/tools/26-geo-fiscal-arbitrage-simulator/
Model income equivalency and net financial impact of relocating across 70 metros with state tax and cost-of-living adjustment.
Policy Mandate type: geo_arbitrage_record
Handoffs out: AL-01, AL-25

### #29 · AL-34 — AI Skills Premium Calculator
URL: https://apexlogics.org/tools/29-ai-skills-premium-calculator/
Calculate salary premium and NPV of AI skill acquisition by role, tool set, and labor market.
Policy Mandate type: ai_skills_premium_record
Handoffs out: AL-02, AL-03, AL-06+16

### #30 · AL-35 — Federal vs. Private Sector Comp Comparator
URL: https://apexlogics.org/tools/30-federal-vs-private-comp-comparator/
Compare federal GS/SES compensation to private-sector equivalents including FERS pension and full benefits.
Policy Mandate type: federal_comp_record
Handoffs out: AL-01, AL-04

### #32 · AL-37 — Remote Work Tax Mapper
URL: https://apexlogics.org/tools/32-remote-work-tax-mapper/
Identify state tax obligations, reciprocity agreements, and nexus risk for remote and hybrid workers.
Policy Mandate type: remote_tax_record
Handoffs out: AL-04

### #38 · AL-43 — Early Career Net Worth Trajectory Engine
URL: https://apexlogics.org/tools/38-early-career-net-worth-engine/
10-year net worth projection for early-career individuals. Three savings scenarios (±10pp). Embedded 2026 tax brackets, 401k match, student debt paydown, SVG chart. Zero maintenance.
Policy Mandate type: net_worth_trajectory_record
Handoffs out: AL-13, AL-25

### #39 · AL-44 — Signing Bonus Clawback Analyzer
URL: https://apexlogics.org/tools/39-signing-bonus-clawback-analyzer/
Models true net cost of signing bonus clawback. Four repayment scenarios including IRC §1341 credit. Pro-rated obligation timeline. Zero maintenance.
Policy Mandate type: signing_bonus_record
Handoffs out: AL-25

### #40 · AL-45 — Part-Time / Gig Income Optimizer
URL: https://apexlogics.org/tools/40-gig-income-optimizer/
For hybrid W-2+1099 workers. Marginal effective rate on gig income (income tax + SE tax net of §164(f)), quarterly estimated payments, safe harbor, net hourly analysis.
Policy Mandate type: gig_income_record
Handoffs out: AL-23, AL-32

### #44 · AL-49 — Deferred Comp 457(b) Decision Engine
URL: https://apexlogics.org/tools/44-deferred-comp-457b-engine/
Models after-tax value of 457(b) deferral vs. taxable account across current and retirement marginal rates, growth horizon, and LTCG rate. Computes break-even retirement rate, NPV advantage, and annual withdrawal comparison.
Policy Mandate type: deferred_comp_457b_record
Handoffs out: AL-25, AL-04

### #48 · AL-53 — Tuition Reimbursement True Value Calculator
URL: https://apexlogics.org/tools/48-tuition-reimbursement-true-value-calculator/
Models true net value of employer tuition benefit: IRS §127 tax savings, clawback risk, study-time opportunity cost, credential lift. CA AB 692 flag.
Policy Mandate type: tuition_reimbursement_record
Handoffs out: AL-02, AL-18, AL-46

### #175 · AL-189 — Exempt-Salary True Hourly Rate
URL: https://apexlogics.org/tools/175-exempt-true-hourly-rate/
Compare two exempt-salary offers on true $/hr — unpaid overtime, commute time-value + cash cost, and PTO forfeiture bundled in, with the crossover weekly hours where the ranking flips.
Policy Mandate type: true_hourly_rate_record
Handoffs out: AL-25, AL-140, AL-37

### #176 · AL-190 — Unused PTO Forfeiture Cost
URL: https://apexlogics.org/tools/176-pto-forfeiture-cost/
Price what use-it-or-lose-it caps and no-payout exits actually erase from comp: forfeited days, cap-drag on future accrual, and unpaid balance at exit, ranked by cheapest fix.
Policy Mandate type: pto_forfeiture_record
Handoffs out: AL-24, AL-28, AL-189

## Category: Career Transition & Mobility (7 tools)

### #06 · AL-06+16 — Career Resilience Engine
URL: https://apexlogics.org/tools/06-career-resilience-engine/
Score automation-displacement risk by occupation and model the ROI of upskilling or reskilling investments.
Policy Mandate type: automation_exposure_score, career_resilience_score
Handoffs out: AL-08+14

### #07 · AL-08+14 — Career Transition Suite
URL: https://apexlogics.org/tools/07-career-transition-suite/
Model the financial cost and break-even timeline of switching careers or industries.
Policy Mandate type: career_pivot_assessment, career_transition_record
Handoffs out: AL-28

### #08 · AL-24 — Separation Package Analyzer
URL: https://apexlogics.org/tools/08-severance-decision-engine/
Evaluate severance packages by cash value, COBRA cost, non-compete terms, and negotiation leverage.
Policy Mandate type: severance_decision_record
Handoffs out: AL-08+14

### #09 · AL-27 — Job Search ROI Tracker
URL: https://apexlogics.org/tools/09-job-search-roi-tracker/
Track job search channels by application volume, conversion rates, and time-to-offer ROI.
Policy Mandate type: job_search_roi_record
Handoffs out: AL-28, AL-25

### #10 · AL-28 — Career Break & Reentry Cost Engine
URL: https://apexlogics.org/tools/10-career-break-reentry-engine/
Quantify the total financial cost of a career gap including forgone income, benefit loss, and reentry timeline.
Policy Mandate type: career_break_record
Handoffs out: AL-03, AL-08+14

### #33 · AL-38 — Non-Compete Risk & Enforceability Screener
URL: https://apexlogics.org/tools/33-noncompete-risk-screener/
Screen non-compete clauses for enforceability risk by state law, role, and compensation threshold.
Policy Mandate type: noncompete_risk_record
Handoffs out: AL-25

### #35 · AL-40 — Military-to-Civilian Salary Bridge
URL: https://apexlogics.org/tools/35-military-civilian-salary-bridge/
Convert military compensation (BAH, BAS, VA benefits) to civilian equivalent salary for job comparisons.
Policy Mandate type: military_civilian_record
Handoffs out: AL-01

## Category: Licensing & Credentials (5 tools)

### #11 · AL-03 — Human Capital Engine
URL: https://apexlogics.org/tools/11-human-capital-engine/
Quantify lifetime economic value of human capital across education, career path, and retirement scenarios.
Policy Mandate type: human_capital_assessment
Handoffs out: AL-02, AL-08+14, AL-26, AL-28

### #12 · AL-18 — CPD / CPE Credit Tracker
URL: https://apexlogics.org/tools/12-cpd-credit-tracker/
Track continuing education credits against license renewal requirements by jurisdiction and credential type.
Policy Mandate type: cpd_credit_record
Handoffs out: AL-03, AL-20

### #13 · AL-20 — Exam Cost & Timeline Planner
URL: https://apexlogics.org/tools/13-exam-cost-planner/
Model total cost and study timeline for 32 professional exams including fees, prep costs, and retake probability.
Policy Mandate type: exam_pathway_plan
Handoffs out: AL-02

### #28 · AL-10 — Professional License Reciprocity Checker
URL: https://apexlogics.org/tools/28-professional-license-reciprocity/
Check reciprocity and endorsement pathways for licensed professions across all 50 states.
Policy Mandate type: license_reciprocity_record
Handoffs out: AL-03

### #41 · AL-46 — Certification Renewal Cost Forecaster
URL: https://apexlogics.org/tools/41-cert-renewal-forecaster/
6-year renewal cash-flow planner for up to 6 professional certifications. 19 embedded credentials. Collision detection, study hours, CEU tracking.
Policy Mandate type: cert_renewal_forecast_record
Handoffs out: AL-13, AL-12

## Category: Student Finance & Debt (7 tools)

### #02 · AL-17 — FAFSA SAI Simulator
URL: https://apexlogics.org/tools/02-fafsa-sai-simulator/
Estimate your Student Aid Index from income, assets, and household data under current FAFSA methodology.
Policy Mandate type: fafsa_sai_estimate
Handoffs out: AL-02, AL-26

### #14 · AL-12 — Scholarship ROI Tracker
URL: https://apexlogics.org/tools/14-scholarship-roi-tracker/
Calculate net ROI of scholarship applications by award value, time invested, and estimated win probability.
Policy Mandate type: scholarship_pipeline_plan
Handoffs out: AL-17, AL-26

### #20 · AL-32 — Parent College ROI Planner
URL: https://apexlogics.org/tools/20-parent-college-roi-planner/
529 projection, SAI/EFC asset impact, COA by school tier, loan vs. gift split. Policy Mandate inbound from AL-17. 2-tab tool.
Policy Mandate type: parent_college_roi_record
Handoffs out: AL-12, AL-17

### #22 · AL-13 — Student Loan Repayment Optimizer
URL: https://apexlogics.org/tools/22-student-loan-repayment-optimizer/
Compare federal repayment plans—IDR, PSLF, standard—by monthly payment, total cost, and forgiveness outcome.
Policy Mandate type: loan_repayment_record
Handoffs out: AL-26

### #24 · AL-05 — Education Savings Projector
URL: https://apexlogics.org/tools/24-education-savings-projector/
Project 529 growth, state tax deductions, and college cost coverage across contribution and market scenarios.
Policy Mandate type: education_savings_record
Handoffs out: AL-32, AL-17

### #42 · AL-47 — ISA vs. Student Loan Comparator
URL: https://apexlogics.org/tools/42-isa-vs-loan-comparator/
Compares ISA vs. student loan total repayment and NPV under a user income trajectory. Break-even income, year-by-year cash flow. Zero external data.
Policy Mandate type: isa_loan_record
Handoffs out: AL-22, AL-13

### #169 · AL-183 — Extra-Semester Funding Gap Planner
URL: https://apexlogics.org/tools/169-extra-semester-funding-gap/
Models the four cliffs that hit fifth-year and extra-semester students at once: the Pell 600% Lifetime Eligibility Used cap, federal loan aggregate limits, a scholarship semester cutoff, and the SAP 150% maximum timeframe rule. Produces a semester-by-semester fundable/not-fundable breakdown and ranks the cheapest gap-fill order.
Policy Mandate type: extra_semester_funding_record
Handoffs out: AL-13, AL-120, AL-108, AL-109, AL-53

## Category: Workforce Development (6 tools)

### #15 · AL-07 — Workforce Board ROI Report Generator
URL: https://apexlogics.org/tools/15-workforce-board-roi-report/
Generate a WIOA-aligned ROI report for workforce development programs using credential and earnings outcome data.
Policy Mandate type: workforce_program_roi
Handoffs out: AL-08+14, AL-11, AL-02, AL-03

### #16 · AL-11 — Apprenticeship & Earn-and-Learn Matcher
URL: https://apexlogics.org/tools/16-apprenticeship-matcher/
Identify apprenticeship programs by occupation and state with wage progression and credential outcome data.
Policy Mandate type: apprenticeship_match_record
Handoffs out: AL-02, AL-07

### #36 · AL-41 — Workforce Pell Eligibility Screener
URL: https://apexlogics.org/tools/36-workforce-pell-eligibility-screener/
Estimates Workforce Pell Grant award for short-term credential programs (150-599 clock hours, 8-14 weeks) under OBBBA P.L. 119-21 (effective July 1, 2026). Inputs: AGI or SAI, family size, dependency status, clock hours, weeks, occupation category. Outputs: estimated SAI, base Pell eligibility, proration ratio, award, lifetime usage note.
Policy Mandate type: workforce_pell_record
Handoffs out: AL-02, AL-01

### #37 · AL-42 — Workforce Pell Credential Value Ranker
URL: https://apexlogics.org/tools/37-workforce-pell-credential-ranker/
Ranks 21 Workforce Pell-eligible short-term credentials by ROI, wage gain, demand, and Pell coverage. Embeds BLS OEWS May 2023 wages and BLS OOH 2024-34 projections. Personalized to user SAI.
Policy Mandate type: workforce_pell_credential_rank
Handoffs out: AL-41, AL-01

### #170 · AL-184 — Workforce Cost-per-Outcome Ladder
URL: https://apexlogics.org/tools/170-workforce-cost-per-outcome/
Enter costs, enrollment, placements, and retention for up to three programs to produce the full DOL TEGL 6-13 cost ladder (Cost per Participant, Cost per Employed Exiter, Cost per Retained Employee, Cost per Individual with Earnings Increase) plus Cost per Employed Day, benchmark flags, and a side-by-side comparison for a funder-facing one-pager.
Policy Mandate type: cost_per_outcome_record
Handoffs out: AL-07, AL-113

### #171 · AL-185 — Counterfactual Haircut Adjuster
URL: https://apexlogics.org/tools/171-counterfactual-haircut-adjuster/
Enter a program's total cost, enrollment, and gross employed-at-exit count, then set a baseline counterfactual job-finding rate, substitution rate, and creaming discount to net out deadweight, displacement, and cohort selection bias. Produces a haircut-adjusted placement count and cost-per-outcome figure alongside the unadjusted gross numbers, with a one-click handoff into the Cost-per-Outcome Ladder (#170).
Policy Mandate type: counterfactual_haircut_record
Handoffs out: AL-184

## Category: Selected Studies: Methods (5 tools)

### #184 · AL-198 — Levels-of-Analysis Lab (Ecological Fallacy)
URL: https://apexlogics.org/tools/184-levels-of-analysis-lab/
Paste a group-level table (group label, n, mean X, mean Y) and get the n-weighted ecological (group-level) correlation, computed closed-form across group means. Compare it against a known or assumed individual-level correlation you supply, and the tool flags a levels-of-analysis reversal or magnitude-inflation risk when the two disagree. Ships with Robinson's 1950 published state-vs-individual reversal (textbook figures, informational) and a synthetic school-level income-vs-test-score example.
Policy Mandate type: levels_analysis_record
Handoffs out: AL-186

### #183 · AL-197 — Response-Rate Sensitivity Lab
URL: https://apexlogics.org/tools/183-response-rate-sensitivity/
Interactive nonresponse-bias teaching demo: enter an observed survey mean among respondents plus worst-case scale bounds for non-respondents, drag a response-rate slider, and watch the Manski-style worst-case identified interval sweep in real time. A second calculator finds the minimum response rate needed for the worst-case bound to clear a chosen threshold ('sign the effect'). Classroom-framed, not an analyst bounds estimator.
Policy Mandate type: response_sensitivity_record
Handoffs out: AL-88, AL-186, AL-196

### #182 · AL-196 — Statistical Reasoning Lab
URL: https://apexlogics.org/tools/182-statistical-reasoning-lab/
Five deterministic labs bundled in one file: regression-to-the-mean (pre/post + correlation), survivorship bias (Wald's WWII armor problem + user selection-rate math), hot-hand run-length (closed-form expected streak length vs observed), base-rate/Bayes (prosecutor's fallacy), and a seeded-LCG deterministic p-hacking spec-curve multiverse (same seed always reproduces the same 16-path result).
Policy Mandate type: stats_reasoning_record
Handoffs out: AL-90, AL-186

### #172 · AL-186 — Lurking-Variable Reversal Detector
URL: https://apexlogics.org/tools/172-lurking-variable-reversal-detector/
Paste your own stratified 2x2 table (any number of strata, custom group/outcome/stratum labels) to get per-stratum odds ratios, the crude pooled odds ratio, the Mantel-Haenszel (1959) adjusted odds ratio, and an explicit reversal flag when the aggregate and stratified stories disagree. The Berkeley 1973 six-department admissions table ships built in as the worked example.
Policy Mandate type: reversal_detector_record
Handoffs out: AL-88

### #173 · AL-187 — Parallel-Trends & Placebo Checker
URL: https://apexlogics.org/tools/173-parallel-trends-placebo-checker/
A difference-in-differences companion that tests the parallel-trends assumption instead of asserting it. Enter 3 or more pre-treatment periods for a treatment group and a control group to get a pre-trend slope gap with a t-test, an event-study table of period-by-period treatment-minus-control differences relative to a baseline period, and an in-time placebo test that reruns the estimate at a fake treatment date inside the pre-period. A classic single pre/post 2x2 tab is included for completeness only.
Policy Mandate type: parallel_trends_record
Handoffs in: AL-88
Handoffs out: AL-88, AL-07

## Category: Immigration & Visa (2 tools)

### #27 · AL-09 — Visa Strategy Navigator
URL: https://apexlogics.org/tools/27-visa-strategy-navigator/
Map US visa pathways and historical approval rates for your occupation, nationality, and career timeline.
Policy Mandate type: visa_strategy_record
Handoffs out: AL-31

### #53 · AL-59 — STEM OPT Financial Runway Planner
URL: https://apexlogics.org/tools/53-stem-opt-financial-runway-planner/
Financial runway model for F-1 students on OPT/STEM OPT. H-1B lottery probability, savings milestones, worst-case balance, EB-2 NIW path, cap-exempt strategy.
Policy Mandate type: stem_opt_record
Handoffs out: AL-09, AL-31

## Category: Selected Studies — Education (5 tools)

### #67 · AL-74 — Backward-Design Lesson Builder
URL: https://apexlogics.org/tools/67-backward-design-lesson-builder/
Scaffolds Understanding by Design (UbD) lesson planning across three stages: Desired Results, Assessment Evidence, and Learning Plan. Names the framework explicitly at each step so educators learn the method as they build.
Policy Mandate type: lesson_design_record

### #68 · AL-75 — Assessment Item Writer + Distractor Analyzer
URL: https://apexlogics.org/tools/68-assessment-item-writer/
Generates multiple-choice items aligned to Bloom's taxonomy levels and classifies each distractor by error type, so every wrong answer teaches something about gaps in student understanding.
Policy Mandate type: assessment_item_record

### #69 · AL-76 — Classroom Decision Simulator
URL: https://apexlogics.org/tools/69-classroom-decision-simulator/
Four branching real-classroom scenarios — disengaged student, pacing crisis, challenge question, authority test — with pedagogy-grounded feedback on every choice made.
Policy Mandate type: classroom_scenario_record

### #70 · AL-77 — GT Differentiation Designer
URL: https://apexlogics.org/tools/70-gt-differentiation-designer/
Adapts a standard lesson for gifted and talented students via curriculum compacting, enrichment strategies (depth, complexity, abstraction, open-endedness), and acceleration options.
Policy Mandate type: gt_differentiation_record

### #71 · AL-78 — First-Time Instructor Toolkit
URL: https://apexlogics.org/tools/71-first-time-instructor-toolkit/
Generates a syllabus framework, Week 1 lesson plan, and grading rubric starter from course inputs. Built for instructors of record in higher education, not teaching assistants.
Policy Mandate type: instructor_toolkit_record

## Category: Selected Studies — ESL/TEFL (4 tools)

### #72 · AL-79 — CEFR Text Leveler
URL: https://apexlogics.org/tools/72-cefr-text-leveler/
Analyzes any pasted text against CEFR readability criteria: sentence length, vocabulary frequency tier, grammar structure flags, and specific simplification suggestions for A2, B1, and B2 target levels.
Policy Mandate type: cefr_leveling_record

### #73 · AL-80 — L1-Interference Spotter (Mandarin→English)
URL: https://apexlogics.org/tools/73-l1-interference-spotter/
Covers eight Mandarin-to-English transfer error categories — articles, tense vs. aspect, topic-comment order, copula omission, classifiers, phonology, question formation, negation — with examples, corrections, and teaching tips.
Policy Mandate type: l1_interference_record

### #74 · AL-81 — Error-Correction Triage
URL: https://apexlogics.org/tools/74-error-correction-triage/
Classifies student errors as global vs. local and guides the decision of when and how to correct using the six Lyster-Ranta corrective feedback techniques with SLA research rationale for each.
Policy Mandate type: error_correction_record

### #75 · AL-82 — TKT Framework Lesson Stager
URL: https://apexlogics.org/tools/75-tkt-framework-lesson-stager/
Generates a complete EFL lesson plan using PPP (Present-Practice-Produce), TBL (Task-Based Learning), or ESA (Engage-Study-Activate) with timing, activity types, CCQs, and ICQs.
Policy Mandate type: tkt_lesson_record

## Category: Selected Studies — History (4 tools)

### #76 · AL-83 — Primary Source Workbench
URL: https://apexlogics.org/tools/76-primary-source-workbench/
SOAPSTone analysis framework, provenance checklist, bias inventory, and corroboration prompts for any historical document. Five embedded sources included or paste your own.
Policy Mandate type: primary_source_record

### #77 · AL-84 — Historiography Comparator
URL: https://apexlogics.org/tools/77-historiography-comparator/
Selects one of 10 historical events and shows how five schools — Traditional, Annales, Marxist, Revisionist, and Postmodern — would each interpret it. Includes a thesis-statement builder.
Policy Mandate type: historiography_record

### #78 · AL-85 — Anachronism Detector
URL: https://apexlogics.org/tools/78-anachronism-detector/
Checks a claim or fiction excerpt against 80+ invention, institution, and language-origin dates. Flags out-of-period terms with source notes and includes a spot-the-anachronism quiz.
Policy Mandate type: anachronism_record

### #79 · AL-86 — Counterfactual Stress-Tester
URL: https://apexlogics.org/tools/79-counterfactual-stress-tester/
Five-step framework for rigorous what-if history: evidence constraints, nearest possible world, first-order effects, second-order effects, and magnitude calibration. Flags five common counterfactual fallacies.
Policy Mandate type: counterfactual_record

## Category: Selected Studies — Sport Management (4 tools)

### #80 · AL-87 — Franchise vs. Promotion/Relegation Comparator
URL: https://apexlogics.org/tools/80-franchise-vs-promotion-relegation/
Eight-dimension comparison of closed franchise (NFL/NBA/MLB) vs. open promotion/relegation (EPL/Bundesliga): competitive balance, investment incentives, revenue distribution, fan culture, and labor relations. 2024 financial data embedded.
Policy Mandate type: franchise_governance_record

### #81 · AL-88 — Survey Study Designer
URL: https://apexlogics.org/tools/81-survey-study-designer/
Five-stage survey research workflow: research question sharpening, sampling strategy and sample-size estimation, instrument design with Likert builder, pilot plan, and analysis plan with SPSS paths and APA reporting templates.
Policy Mandate type: survey_design_record

### #82 · AL-89 — Payroll Efficiency Classroom
URL: https://apexlogics.org/tools/82-payroll-efficiency-classroom/
Guided lesson teaching $/fWAR efficiency (Moneyball for the masses): what WAR measures, why $/win varies, how to read a team report card. Embedded 2024 MLB payroll and WAR data. Ends with a budget-constrained GM for a Day exercise.
Policy Mandate type: payroll_efficiency_record

### #83 · AL-90 — Umpire Accuracy Lab
URL: https://apexlogics.org/tools/83-umpire-accuracy-lab/
34,294 incorrect ball-strike calls per 2018 season; 14 per game; two-strike count bias. Measurement lesson on error rates and performance evaluation, plus a structured ABS debate with argument prompts for both sides.
Policy Mandate type: umpire_accuracy_record

## Category: Selected Studies — Economics (42 tools)

### #84 · AL-91 — Micro Theory Sandbox
URL: https://apexlogics.org/tools/84-micro-theory-sandbox/
Interactive SVG supply-and-demand diagrams with demand/supply shifter sliders, price floor/ceiling interventions, and consumer/producer surplus. Tab 2: cost curves (ATC/AVC/MC) and market structure selector.
Policy Mandate type: micro_theory_record

### #85 · AL-92 — US Macro Dashboard
URL: https://apexlogics.org/tools/85-comparative-economic-systems/
Interactive SVG charts for US GDP growth, CPI inflation, unemployment, and federal funds rate 1960–2024 with recession shading, decade zoom, and overlay compare.
Policy Mandate type: economic_systems_record

### #86 · AL-93 — Phillips Curve Explorer
URL: https://apexlogics.org/tools/86-ask-the-economists-panel/
Interactive scatter of US unemployment vs. inflation 1960–2024 by decade. Visualizes when the trade-off held, when stagflation broke it, and the flat 2010s vs. 2021-22 surge.
Policy Mandate type: economists_panel_record

### #87 · AL-94 — Recession Anatomy Lab
URL: https://apexlogics.org/tools/87-american-economic-history/
Six US recessions (1973–2020) dissected: GDP decline, unemployment peak, cause, policy response, recovery. SVG comparison charts, timeline view, and ±3yr sparklines.
Policy Mandate type: economic_history_record

### #88 · AL-95 — Principles of Economics Refresher
URL: https://apexlogics.org/tools/88-principles-refresher/
Interactive Econ 101/102 review: supply-demand sandbox with directional-change quiz, GDP accounting (C+I+G+NX) with component sliders, market structures comparison table, and 30-card key-terms flashcard deck.
Policy Mandate type: econ_principles_record

### #89 · AL-96 — Sales OTE & Commission Analyzer
URL: https://apexlogics.org/tools/89-sales-ote-commission-analyzer/
Model your real W-2 outcome from an OTE offer: base/variable split, quota attainment scenarios, accelerator tiers, and draw/clawback risk.
Policy Mandate type: sales_comp_record

### #90 · AL-97 — Counter-Offer Decision Engine
URL: https://apexlogics.org/tools/90-counter-offer-decision-engine/
Model the 5-year NPV of accepting a counter-offer vs. taking a new employer offer, with loyalty-tax risk and career trajectory analysis.
Policy Mandate type: counter_offer_record

### #91 · AL-98 — Relocation Package True Value Engine
URL: https://apexlogics.org/tools/91-relocation-package-value-engine/
Strip the gross-up illusion from your employer relocation offer. Model lump sum vs. managed relo net value after taxes, actual moving costs, and housing delta.
Policy Mandate type: relocation_package_record

### #92 · AL-99 — Dual-Career Household Income Optimizer
URL: https://apexlogics.org/tools/92-dual-career-household-optimizer/
Model childcare break-even salary, part-time sabbatical cost, and geographic relocation trade-offs for dual-earner couples.
Policy Mandate type: dual_career_record

### #93 · AL-100 — Internship ROI Calculator
URL: https://apexlogics.org/tools/93-internship-roi-calculator/
Model the opportunity cost of unpaid or low-pay internships against FTE conversion probability, career acceleration NPV, and salary premium.
Policy Mandate type: internship_roi_record

### #94 · AL-101 — Community College Transfer Pathway ROI
URL: https://apexlogics.org/tools/94-community-college-transfer-roi/
Compare the 2+2 pathway (2 years CC + transfer) against direct 4-year enrollment: tuition savings, transfer risk, and time-to-completion delta.
Policy Mandate type: cc_transfer_record

### #95 · AL-102 — Graduate Certificate vs. Master's Degree Engine
URL: https://apexlogics.org/tools/95-grad-cert-vs-masters-engine/
Compare post-bacc credential options: total cost, time-to-market, salary lift, and NPV by field for 6-month certificate vs. 2-year master's degree.
Policy Mandate type: grad_cert_vs_masters_record

### #96 · AL-103 — Adult Learner Degree Completion ROI
URL: https://apexlogics.org/tools/96-adult-learner-degree-completion-roi/
Model the ROI of completing your bachelor's through adult-friendly programs — online, WGU-style, or part-time evening — factoring in prior credits, employer assistance, and time-to-completion.
Policy Mandate type: adult_learner_roi_record

### #97 · AL-104 — Nursing & Allied Health Career Ladder ROI
URL: https://apexlogics.org/tools/97-nursing-career-ladder-roi/
CNA to CRNA: model the cost, time, and salary at every rung of the nursing and allied health career ladder, with rung-to-rung ROI and cumulative NPV.
Policy Mandate type: nursing_career_record

### #98 · AL-105 — Side Hustle to Full-Time Business Transition Calculator
URL: https://apexlogics.org/tools/98-side-hustle-transition-calculator/
Model revenue runway, COBRA health insurance bridge, SE tax step-up, emergency fund requirement, and the month your side hustle can replace your W-2.
Policy Mandate type: side_hustle_transition_record

### #99 · AL-106 — L1-Interference Spotter: Spanish→English
URL: https://apexlogics.org/tools/99-l1-interference-spotter-spanish/
Catalog of 9 major Spanish→English transfer error categories with examples, CEFR-level context, correction strategies, and a work sample tagger for ESL/TEFL educators.
Policy Mandate type: l1_interference_spanish_record

### #100 · AL-107 — Game Theory Payoff Matrix Builder
URL: https://apexlogics.org/tools/100-game-theory-payoff-matrix/
Build 2×2 or 3×3 strategic payoff matrices, solve for Nash equilibria and dominant strategies, classify the game type, and generate a lesson-ready analysis.
Policy Mandate type: game_theory_record

### #101 · AL-108 — RAP vs. Standard Decision Engine
URL: https://apexlogics.org/tools/101-rap-vs-standard-decision-engine/
OBBBA 2025: compare Repayment Assistance Plan (1–10% AGI sliding scale, $10 floor, 30-yr forgiveness) vs. Standard 10-year plan. Tab 2: PSLF RAP path. Effective July 1, 2026.
Policy Mandate type: rap_decision_record
Handoffs out: AL-109, AL-26, AL-17

### #102 · AL-109 — Grad Loan Cap Gap Planner
URL: https://apexlogics.org/tools/102-grad-loan-cap-gap-planner/
OBBBA 2025 Grad PLUS caps: $20,500/yr grad, $50,000/yr professional. Models federal eligibility, annual funding gap, and private loan gap-fill strategies with DTI check.
Policy Mandate type: grad_loan_gap_record
Handoffs out: AL-110, AL-108, AL-26

### #103 · AL-110 — 529 Lifelong Learning Maximizer
URL: https://apexlogics.org/tools/103-529-lifelong-learning-maximizer/
OBBBA 2025 expands 529 qualified expenses to CDL/vocational, CPA/bar exam fees, license renewal, CPE/CE, and K-12 up to $20k/yr. Eligibility checker + contribution planner with state deduction benefit.
Policy Mandate type: 529_lifelong_record
Handoffs out: AL-109, AL-05, AL-12

### #104 · AL-111 — AI Displacement Risk Screener
URL: https://apexlogics.org/tools/104-ai-displacement-risk-screener/
SOC code lookup with Frey-Osborne automation probability, task composition, and composite risk score. Suggests 3 adjacent lower-risk pivots.
Policy Mandate type: ai_displacement_record
Handoffs out: AL-06, AL-02, AL-36, AL-07

### #105 · AL-112 — HDHP vs. PPO Break-Even Calculator
URL: https://apexlogics.org/tools/105-hdhp-vs-ppo-break-even/
Find the annual medical-spend level at which HDHP+HSA beats PPO in total out-of-pocket cost, including HSA tax benefit.
Policy Mandate type: health_plan_breakeven_record
Handoffs out: AL-23, AL-01

### #106 · AL-113 — Employer Training Investment Payback Calculator
URL: https://apexlogics.org/tools/106-employer-training-payback/
Model cost-per-employee-trained vs. productivity lift, attrition reduction, and promotion-rate improvement to produce board-ready training ROI.
Policy Mandate type: training_roi_record
Handoffs out: AL-02, AL-07

### #107 · AL-114 — Turnover Cost Calculator
URL: https://apexlogics.org/tools/107-turnover-cost-calculator/
Itemize the full cost of a single departure — separation, vacancy, recruitment, onboarding — by role level. Shows SHRM benchmark band and attrition savings slider.
Policy Mandate type: turnover_cost_record
Handoffs out: AL-115, AL-113, AL-02

### #108 · AL-115 — Retention Investment ROI Model
URL: https://apexlogics.org/tools/108-retention-investment-roi/
Model net ROI of retention programs against baseline attrition cost. Calculates payback period, break-even attrition reduction, and 1/2/3-year net benefit.
Policy Mandate type: retention_roi_record
Handoffs out: AL-114, AL-113, AL-02

### #109 · AL-116 — ISO AMT Exposure Modeler
URL: https://apexlogics.org/tools/109-iso-amt-exposure-modeler/
Calculate AMT liability from ISO exercise spread using 2026 exemption amounts and phase-outs. Shows max shares exercisable without triggering AMT.
Policy Mandate type: iso_amt_record
Handoffs out: AL-117, AL-01

### #110 · AL-117 — ESPP Break-Even & Optimal Sell Analyzer
URL: https://apexlogics.org/tools/110-espp-break-even-optimal-sell/
Compare qualifying vs. disqualifying ESPP disposition tax outcomes. Finds break-even holding period for qualifying disposition and after-tax proceeds.
Policy Mandate type: espp_disposition_record
Handoffs out: AL-116, AL-01, AL-23

### #111 · AL-118 — S-Corp Election Break-Even Modeler
URL: https://apexlogics.org/tools/111-scorp-election-break-even/
Find the net SE income level where S-Corp election SE tax savings exceed admin overhead. Uses 2026 SS wage base $184,500.
Policy Mandate type: scorp_election_record
Handoffs out: AL-119, AL-123, AL-01

### #112 · AL-119 — Solo 401(k) vs. SEP-IRA Optimizer
URL: https://apexlogics.org/tools/112-solo-401k-vs-sep-ira/
Compare maximum contributions and tax savings across Solo 401(k), SEP-IRA, and SIMPLE IRA using 2026 IRS limits. Includes age-based catch-up.
Policy Mandate type: selfemployed_retirement_record
Handoffs out: AL-118, AL-01, AL-23

### #113 · AL-120 — PSLF Qualifying Payment Counter
URL: https://apexlogics.org/tools/113-pslf-qualifying-payment-counter/
Project PSLF progress: qualifying payments made/remaining, monthly payment under RAP/IBR/PAYE, and estimated forgiveness amount using 2026 FPL.
Policy Mandate type: pslf_progress_record
Handoffs out: AL-108, AL-121, AL-26

### #114 · AL-121 — Student Loan Refinancing Break-Even Calculator
URL: https://apexlogics.org/tools/114-student-loan-refinancing-break-even/
Weigh interest savings from private refinancing against PSLF eligibility loss, IDR protections, and origination fees. Go/no-go verdict.
Policy Mandate type: loan_refi_record
Handoffs out: AL-120, AL-26, AL-108

### #115 · AL-122 — RSU Withholding Gap Calculator
URL: https://apexlogics.org/tools/115-rsu-withholding-gap/
Calculate the tax gap between 22% federal supplemental withholding on RSU vests and true marginal rate. Uses 2026 SS wage base and state buckets.
Policy Mandate type: rsu_withholding_record
Handoffs out: AL-123, AL-01, AL-116

### #116 · AL-123 — Freelance Quarterly Estimated Tax Calculator
URL: https://apexlogics.org/tools/116-freelance-quarterly-estimated-tax/
Calculate quarterly IRS estimated payments: federal income tax, SE tax (SS+Medicare), and state buckets. Shows 2026 due dates and safe-harbor amounts.
Policy Mandate type: freelance_quarterly_record
Handoffs out: AL-118, AL-119, AL-122

### #117 · AL-124 — Caregiver Income Impact & Lost Earnings Estimator
URL: https://apexlogics.org/tools/117-caregiver-income-impact/
Quantify total financial cost of unpaid caregiving: direct income loss, retirement savings gap, SS reduction, and career setback cost.
Policy Mandate type: caregiver_impact_record
Handoffs out: AL-02, AL-07, AL-06

### #118 · AL-125 — Teacher Salary Schedule & Lifetime Earnings Projector
URL: https://apexlogics.org/tools/118-teacher-salary-schedule-projector/
Project lifetime K-12 teacher earnings from a step-and-lane salary schedule. Model step advancement, COLA, and planned lane changes to reveal career earnings trajectory and final-year salary for pension planning.
Policy Mandate type: teacher_salary_schedule_record
Handoffs out: AL-126, AL-128

### #119 · AL-126 — Master's / Lane-Change ROI for Educators
URL: https://apexlogics.org/tools/119-educator-advanced-degree-roi/
Calculate NPV, payback, and break-even lane bump for a K-12 teacher pursuing a master's degree — net of tuition, opportunity cost, employer assistance, and Teacher Loan Forgiveness (ESEA §1059c).
Policy Mandate type: educator_advanced_degree_record
Handoffs out: AL-128

### #120 · AL-127 — National Board Certification (NBCT) ROI Calculator
URL: https://apexlogics.org/tools/120-nbct-roi-calculator/
Calculate the ROI of pursuing NBCT: NPV, payback months, benefit-cost ratio, and minimum stipend needed to break even — accounting for fee, retakes, study opportunity cost, and renewal cycle.
Policy Mandate type: nbct_roi_record
Handoffs out: AL-125, AL-126, AL-128

### #121 · AL-128 — Teacher Pension Multiplier & Vesting Estimator
URL: https://apexlogics.org/tools/121-teacher-pension-estimator/
Project annual pension, lifetime PV, replacement rate, and vesting-cliff cost from a defined-benefit teacher pension plan. All plan parameters user-supplied; no embedded state tables.
Policy Mandate type: teacher_pension_record

### #128 · AL-135 — Raise-Ask Expected Value Calculator
URL: https://apexlogics.org/tools/128-raise-ask-ev-calculator/
Model the expected monetary value of asking for a raise by weighting full grant, partial grant, and silence across a career horizon. Outputs EV, lifetime silence cost, recommended anchor, and a scripted ask framework.
Policy Mandate type: raise_ask_record
Handoffs out: AL-136, AL-97, AL-01

### #129 · AL-136 — Promotion vs. Job-Hop Calculator
URL: https://apexlogics.org/tools/129-promotion-vs-job-hop/
Compare 5-year cumulative present value of staying for a promotion versus jumping to a higher-paying role — netting ramp-up cost, benefits delta, tenure costs, unvested equity, and compounding merit raises.
Policy Mandate type: mobility_decision_record
Handoffs out: AL-97, AL-27

### #180 · AL-194 — Automation Payback
URL: https://apexlogics.org/tools/180-automation-payback/
Rank automation candidates by payback before you build: monthly reclaimable value (hours saved per week times the loaded hourly rate, plus the error cost the automation eliminates) against total cost of ownership (one-time build amortized over the horizon, subscription, and a maintenance haircut on recurring cost, default 20 percent). Outputs a ranked table with break-even months and BUILD/SKIP calls, portfolio totals for hours reclaimed and net dollars, and a verdict naming the best candidate and the fastest break-even. No tool-price database; every figure is a user estimate.
Policy Mandate type: automation_payback_record
Handoffs out: AL-34, AL-111, AL-113

### #181 · AL-195 — Scope-Creep Pricer (Change Orders)
URL: https://apexlogics.org/tools/181-scope-creep-pricer/
Turn scope creep into a priced change order: compare a fixed fee against the hours actually worked to get the baseline rate, the effective rate, and the effective-rate decay percentage. Prices the unpriced creep hours at your baseline rate, produces the change-order price at standard and rush multipliers (1.0x, 1.25x, 1.5x), and checks the effective rate against a walk-away floor with a renegotiate-or-decline verdict. Pure arithmetic on user-entered project figures; nothing stored.
Policy Mandate type: scope_creep_record
Handoffs out: AL-22, AL-123, AL-131

## Category: Career Transition & Mobility (v5 additions)

### #134 · AL-141 — COBRA vs. ACA Coverage Optimizer
URL: https://apexlogics.org/tools/134-cobra-vs-aca-optimizer/
Compare COBRA full-premium cost against ACA marketplace net premiums using 2026 §36B PTC table. Break-even AGI calculation with 400% FPL cliff warning. HSA eligibility flag. Export coverage_transition_record.
Policy Mandate type: coverage_transition_record
Handoffs out: AL-143, AL-136

### #136 · AL-143 — Severance + UI Timing Sequencer
URL: https://apexlogics.org/tools/136-severance-ui-timing/
Optimize severance form (lump sum vs. continuation) for maximum unemployment benefit eligibility. Week-by-week timeline, state UI bucket model, benefits-at-risk quantification.
Policy Mandate type: severance_ui_timing_record
Handoffs out: AL-141, AL-27

### #143 · AL-150 — Federal / Public Buyout Decision Engine
URL: https://apexlogics.org/tools/143-federal-buyout-decision/
Compare federal/public-sector voluntary buyout vs. staying: net VSIP after tax, FEHB health bridge value, FERS/CSRS/state pension early-exit cost, 5-year income comparison, 5-factor scorecard verdict.
Policy Mandate type: buyout_decision_record
Handoffs out: AL-27, AL-143

### #177 · AL-191 — Interview-Process Burden & Offer EV
URL: https://apexlogics.org/tools/177-interview-burden-offer-ev/
Price the sunk and expected-remaining cost (hours, PTO, travel at true $/hr) of every interview pipeline against the offer's expected value, with a continue/withdraw verdict and a portfolio ranking across up to 3 pipelines.
Policy Mandate type: interview_burden_record
Handoffs out: AL-27, AL-25, AL-135

## Category: Career Transition & Mobility (v4 backfill — Trades)

### #122 · AL-129 — Trade Wage Progression Projector
URL: https://apexlogics.org/tools/122-trade-wage-progression-projector/
Project apprentice → journeyman → master wage arc for electrician, plumber, HVAC, welder, carpenter. BLS 2025 defaults. Compare earn-while-you-learn cumulative earnings against 4-year college path including student debt. 10- and 20-year NPV.
Policy Mandate type: trade_wage_progression_record
Handoffs out: AL-130, AL-131

### #123 · AL-130 — Trade Specialization & Cert ROI Calculator
URL: https://apexlogics.org/tools/123-trade-specialization-roi/
Rank up to 4 trade certifications — EPA 608, Master Electrician, CDL-A, AWS Welder, NICET — by NPV, payback period, and benefit-cost ratio. Inputs: exam cost, study time, salary lift, pass probability. Optimal credential sequencing.
Policy Mandate type: trade_cert_roi_record
Handoffs out: AL-131

### #124 · AL-131 — Contractor Launch Break-Even Calculator
URL: https://apexlogics.org/tools/124-contractor-launch-break-even/
Find the billable-rate floor and month your solo contracting income clears your W-2 take-home. Iterative SE tax solve (SECA 15.3% with §164(f)), overhead, startup costs, 24-month utilization ramp. Break-even month and sensitivity table.
Policy Mandate type: contractor_launch_record
Handoffs out: AL-118, AL-23

## Category: Career Transition & Mobility (v4 backfill — Veterans)

### #125 · AL-132 — GI Bill Benefit Maximizer
URL: https://apexlogics.org/tools/125-gi-bill-benefit-maximizer/
Compare Post-9/11 (Ch. 33) vs. MGIB (Ch. 30) benefit: tuition cap, BAH stipend, Yellow Ribbon matching, books allowance vs. opportunity cost. FY2025 VA rate tables: public cap $27,120, private $28,937, books $41.67/mo, MGIB $2,295/mo.
Policy Mandate type: gi_bill_benefit_record
Handoffs out: AL-133, AL-134

### #126 · AL-133 — SkillBridge & Credential Transfer ROI
URL: https://apexlogics.org/tools/126-skillbridge-credential-transfer-roi/
Rank SkillBridge programs and MAP/ACE military credit transfers by salary lift and 5-year ROI. Up to 4 credentials with presets for CompTIA Security+, PMP, CDL-A, AWS SAA, NREMT. SkillBridge EV weighted by conversion probability. DoDI 1322.29 (180-day window).
Policy Mandate type: skillbridge_credential_record
Handoffs out: AL-134

### #127 · AL-134 — Veteran Income Bridge Planner
URL: https://apexlogics.org/tools/127-veteran-income-bridge/
Stack severance, VA disability (FY2025 embedded rates 10%–100%), TSP, unemployment, spouse income, and bridge employment against expenses. 24-month cash-flow bridge with color-coded surplus/gap rows. Coverage ratio shows when civilian income closes the gap.
Policy Mandate type: veteran_income_bridge_record

## Category: Compensation & Benefits (v4 backfill)

### #130 · AL-137 — Dependent Care FSA vs. CDCTC Optimizer
URL: https://apexlogics.org/tools/130-dependent-care-fsa-cdctc-optimizer/
Find the childcare tax strategy maximizing savings: DC-FSA alone (IRC §129, $5K MFJ, FICA 7.65% savings), CDCTC alone (IRC §21, 35%→20% phase-down), or optimal combination. $250 sweep finds best FSA split. Three-strategy compare grid. 2025 limits.
Policy Mandate type: dependent_care_fsa_cdctc_record
Handoffs out: AL-138

### #131 · AL-138 — Parental Leave Income Gap Planner
URL: https://apexlogics.org/tools/131-parental-leave-income-gap/
Week-by-week leave schedule stacking employer paid leave, state PFL/SDI (CA 65%, NY 67%, NJ 85%, WA 75%, CO 90%, OR 60%), and FMLA unpaid weeks. Calculates gap, savings needed pre-leave, and post-return recovery months.
Policy Mandate type: parental_leave_income_record
Handoffs out: AL-28

### #132 · AL-139 — Travel Nurse vs. Staff Comp Analyzer
URL: https://apexlogics.org/tools/132-travel-nurse-vs-staff-comp/
True net pay comparison: staff gross vs. travel taxable base + tax-free housing + M&IE stipends (IRS Rev. Rul. 59-58; GSA 2025 rates), minus agency costs and contract gap weeks. Side-by-side winner badge. Annual net difference.
Policy Mandate type: travel_nurse_comp_record
Handoffs out: AL-140, AL-28

### #133 · AL-140 — Shift Differential & OT Optimizer
URL: https://apexlogics.org/tools/133-shift-differential-overtime-optimizer/
Model day, evening, night, weekend shift schedules. Correctly stacks shift differentials into FLSA regular rate (29 CFR §778.207) before calculating OT premium. Annual net comparison for each schedule. Best row highlighted. Childcare cost offset for evening/night.
Policy Mandate type: shift_differential_optimizer_record
Handoffs out: AL-28

## Category: Compensation & Offers (v5 additions)

### #135 · AL-142 — Option Exercise Window Analyzer
URL: https://apexlogics.org/tools/135-option-exercise-window/
Model option exercise decision after job separation. EV across three exit scenarios, max shares affordable, AMT flag for ISOs with spread >$50K. 90-day countdown with expiry warning.
Policy Mandate type: exercise_window_record
Handoffs out: AL-116, AL-147

### #137 · AL-144 — QBI §199A Optimizer
URL: https://apexlogics.org/tools/137-qbi-199a-optimizer/
Calculate §199A pass-through deduction using 2026 OBBBA permanent thresholds ($201,775/$403,500). Handles below-threshold, phase-out band, W-2/UBIA limitation, SSTB exclusion, and $400 floor.
Policy Mandate type: qbi_deduction_record
Handoffs out: AL-145, AL-118, AL-123

### #138 · AL-145 — S-Corp Reasonable Comp Analyzer
URL: https://apexlogics.org/tools/138-scorp-reasonable-comp/
Benchmark S-corp owner salary against industry/role pairs. Calculates FICA savings vs. sole-prop SE tax. Audit risk scoring using Watson v. US ratio framework. SS wage base $184,500 (2026).
Policy Mandate type: reasonable_comp_record
Handoffs out: AL-144, AL-118, AL-123

### #139 · AL-146 — Home Office + Augusta Rule Optimizer
URL: https://apexlogics.org/tools/139-home-office-augusta/
Compare regular vs. simplified home office deduction methods. Augusta Rule (§280A(g)): S-corp rents home from owner for ≤14 days — owner tax-free, corp deducts. Combined deduction summary.
Policy Mandate type: home_office_record
Handoffs out: AL-145, AL-144

### #140 · AL-147 — 83(b) Election Decision Engine
URL: https://apexlogics.org/tools/140-83b-election-decision/
For early-exercise options or restricted stock at grant, model the tax-now vs. tax-at-vest tradeoff. LTCG clock starts at grant with election. Low/Base/High FMV scenarios with savings table. Forfeiture downside. Zero-spread auto-detected. File/skip verdict.
Policy Mandate type: eighty_three_b_record
Handoffs out: AL-142, AL-148, AL-149

### #141 · AL-148 — Equity Exit Waterfall Modeler
URL: https://apexlogics.org/tools/141-equity-exit-waterfall/
Model liquidation waterfall for non-participating, fully participating, and capped participating preferred. Visual waterfall bar. Break-even exit price for common. Converts to common if pro-rata exceeds preference.
Policy Mandate type: equity_waterfall_record
Handoffs out: AL-147, AL-149

### #142 · AL-149 — QSBS §1202 Exclusion Estimator
URL: https://apexlogics.org/tools/142-qsbs-1202-estimator/
Estimate IRC §1202 QSBS exclusion: 50/75/100% tier by acquisition date (pre-2010/2010/post-Sep-2010). 8-item eligibility checklist. $10M/$10× basis cap. AMT preference flag for pre-2010 tiers. State non-conformity warning.
Policy Mandate type: qsbs_exclusion_record
Handoffs out: AL-147, AL-148

## Category: Immigration & Career (v5 additions)

### #144 · AL-151 — H-1B Job-Change Risk & Cost Calculator
URL: https://apexlogics.org/tools/144-h1b-job-change-risk/
Model filing timeline, gap risk, legal costs, and financial impact of changing jobs on H-1B. AC21 portability eligibility, unlawful-presence exposure (3yr/10yr bar), 6-yr cap extension check, attorney + USCIS fees, 3-year income comparison. Risk verdict: low/medium/high.
Policy Mandate type: h1b_change_record
Handoffs out: AL-152

### #145 · AL-152 — Green-Card Priority-Date Wait-Cost Estimator
URL: https://apexlogics.org/tools/145-greencard-wait-cost/
Quantify the financial cost of an EB green-card backlog: year-by-year salary opportunity cost, career mobility restriction cost, H-1B extension fees. Covers EB-1/2/3/NIW across all chargeability countries. AC21 extension rules. Strategies to reduce wait cost.
Policy Mandate type: greencard_wait_record
Handoffs out: AL-151

### #185 · AL-153 — Policy Mandate Advisor Prompt Composer
URL: https://apexlogics.org/tools/advisor-prompt-composer/
Transform one or more Policy Mandate decision artifacts into advisor-framed LLM prompts with Claude.ai and ChatGPT deep links. Five task frames, 15 audience targets, domain-specific regulatory citations, stochastic framing rules, escalation conditions, and execution-hash provenance chain.
Policy Mandate type: advisor_prompt_record
Handoffs out: (none — terminal composer tool)

## Category: Personal Finance & Life Events (24 tools)

### #146 · AL-160 — Crypto Tax-Loss Harvesting Calculator
URL: https://apexlogics.org/tools/146-crypto-tax-loss-harvesting/
Given crypto lots with cost basis and current value, realized gains, carryforwards, filing status, and bracket, applies the capital loss netting order, the ordinary income offset cap, and an optional wash sale screen, returning harvestable loss, offsets, carryforwards, and estimated federal and state tax saved.
Policy Mandate type: crypto_tax_loss_harvesting_record

### #147 · AL-161 — Staking & Airdrop Income Tax Impact Modeler
URL: https://apexlogics.org/tools/147-staking-airdrop-income-tax/
Given crypto receipt events, a filing status, and a business election, returns gross ordinary income, self-employment tax if applicable, incremental federal tax, NIIT, state tax, an effective rate, and the deferred gain sitting in the basis created, with an optional disposition model.
Policy Mandate type: staking_airdrop_income_record

### #148 · AL-162 — RMD & Withdrawal Sequencer
URL: https://apexlogics.org/tools/148-rmd-withdrawal-sequencer/
Given a set of retirement accounts, birth year, age attained, and a spending need, computes the required minimum distribution per account and in aggregate from the Uniform Lifetime Table, then sequences the remaining spending need across taxable, tax-deferred, and Roth money and computes the resulting federal tax and net spendable amount.
Policy Mandate type: rmd_withdrawal_sequence_record

### #149 · AL-163 — Roth Conversion Window Calculator
URL: https://apexlogics.org/tools/149-roth-conversion-window/
Given a filing status, current ordinary income, IRMAA-relevant income items, a target bracket, and a convertible balance, computes the bracket-fill cap, the IRMAA-threshold cap, and the balance cap, and recommends the smaller of the three along with the resulting federal tax and IRMAA cliff exposure.
Policy Mandate type: roth_conversion_window_record

### #150 · AL-164 — IRMAA Bracket Calculator
URL: https://apexlogics.org/tools/150-irmaa-bracket-calculator/
Given a filing status, look-back-year AGI and tax-exempt interest, and Medicare enrollment details, computes MAGI, the IRMAA tier, the resulting Part B and Part D surcharges, the distance to the next threshold, and the effect of additional income under consideration.
Policy Mandate type: irmaa_bracket_record

### #151 · AL-165 — Medicare Plan Comparison
URL: https://apexlogics.org/tools/151-medicare-plan-comparison/
Given shared utilization assumptions plus Path A (Original Medicare + Medigap + standalone Part D) and Path B (Medicare Advantage) plan parameters, prices both paths for a typical year and a bad-year stress test, applies the Part D out-of-pocket cap and the Advantage MOOP, and returns the annual difference and worst-case ceilings.
Policy Mandate type: medicare_plan_comparison_record

### #152 · AL-166 — Medicare Out-of-Pocket Exposure Modeler
URL: https://apexlogics.org/tools/152-medicare-oop-exposure/
Given a coverage structure, IRMAA tier, and a year of Medicare utilization, walks the actual 2026 cost-sharing rules benefit period by benefit period and returns the medical and drug out-of-pocket cost, total exposure with premiums, and a routine/rough/worst-case scenario spread.
Policy Mandate type: medicare_oop_exposure_record

### #153 · AL-167 — Total Cost of Homeownership
URL: https://apexlogics.org/tools/153-total-cost-of-homeownership/
Given a purchase price, loan terms, recurring costs, growth assumptions, and a hold period, amortizes the mortgage month by month, grows each recurring cost year by year, and returns the gross and net cost of ownership over the hold, a break-even monthly rent, and a cost composition breakdown.
Policy Mandate type: homeownership_tco_record

### #154 · AL-168 — Home Affordability (28/36)
URL: https://apexlogics.org/tools/154-home-affordability-28-36/
Given household income, other debt, cash available, and loan terms, runs the front-end and back-end debt-to-income ratios, takes the binding one, and solves by fixed 60-iteration bisection for the maximum purchase price it supports, including a rate-sensitivity stress test at plus one and plus two points.
Policy Mandate type: home_affordability_record

### #155 · AL-169 — Rental Property Deal Screener
URL: https://apexlogics.org/tools/155-rental-deal-screener/
Given acquisition, income, and operating expense inputs, computes NOI, cap rate, cap rate on total cost, DSCR, cash flow, cash on cash return, gross rent multiplier, and break-even occupancy, then screens the deal against five common investment thresholds.
Policy Mandate type: rental_deal_screen_record

### #156 · AL-170 — Rental Depreciation & Tax Shield Modeler
URL: https://apexlogics.org/tools/156-rental-depreciation-tax-shield/
Given a rental property's basis, an optional cost segregation split with bonus depreciation, and income/tax context, runs the 27.5-year mid-month residential schedule plus any 5-year and 15-year components, tests the resulting loss against the passive activity loss rules, and optionally prices the section 1250 recapture and capital gain tax at an assumed sale. Offers both a corrected 27.5-year schedule (verified to sum to basis) and a legacy variant matching the original source spec's formula for comparison.
Policy Mandate type: rental_depreciation_shield_record

### #157 · AL-171 — Business Valuation Estimator
URL: https://apexlogics.org/tools/157-business-valuation-estimator/
Three method small business valuation blending an SDE multiple, an EBITDA multiple, and an asset based floor, with user-set weights and owner-dependence and customer-concentration discounts.
Policy Mandate type: business_valuation_record

### #158 · AL-172 — Owner Salary Normalization
URL: https://apexlogics.org/tools/158-owner-salary-normalization/
Separates what a replacement manager would cost from an owner's total compensation package, producing comparable seller discretionary earnings and normalized EBITDA, plus a neutral reasonable-compensation pattern flag.
Policy Mandate type: owner_salary_normalization_record

### #159 · AL-173 — Business Sale Tax Impact Modeler
URL: https://apexlogics.org/tools/159-business-sale-tax-impact-modeler/
Models federal tax on a business sale across asset allocation, section 1245 and 1250 depreciation recapture, QSBS section 1202 treatment, NIIT, state tax, and an installment-sale timing overlay.
Policy Mandate type: business_sale_tax_record

### #160 · AL-174 — Marital Asset Division
URL: https://apexlogics.org/tools/160-marital-asset-division/
Builds a marital balance sheet with repeatable asset rows and models an illustrative split under a community property or equitable distribution regime, tracking separate property apart and showing tax-deferred and taxable-gain assets at an after-tax equivalent.
Policy Mandate type: marital_asset_division_record

### #161 · AL-175 — Spousal Support Illustrative Range
URL: https://apexlogics.org/tools/161-spousal-support-illustrative-range/
Runs the same inputs through several named, user-editable guideline conventions for spousal support and shows the spread between them, plus a duration range based on marriage length. Presented strictly as an illustrative range, never a forecast or a single estimate.
Policy Mandate type: spousal_support_range_record

### #162 · AL-176 — QDRO Pension Split Modeler
URL: https://apexlogics.org/tools/162-qdro-pension-split-modeler/
Models a defined benefit pension split using the coverture fraction, or a defined contribution account split using a segregated balance, including early commencement, survivor benefit cost, and a COLA-adjusted lifetime projection computed through an explicit loop.
Policy Mandate type: qdro_pension_split_record

### #163 · AL-177 — Net Estate Value and Probate Exposure
URL: https://apexlogics.org/tools/163-net-estate-probate-exposure/
Sizes the probate pool and the non-probate pool of an estate separately, and puts an approximate range, never a point estimate, on what probate administration would cost.
Policy Mandate type: net_estate_probate_record

### #164 · AL-178 — Estate Tax Liability
URL: https://apexlogics.org/tools/164-estate-tax-liability/
Works out the taxable estate after deductions, applies the federal exemption including any deceased spousal unused amount, and adds a state-level estate or inheritance tax where one applies. The federal exemption is permanent; no sunset copy appears anywhere in this tool.
Policy Mandate type: estate_tax_liability_record

### #165 · AL-179 — Annual Gift Exclusion Strategy
URL: https://apexlogics.org/tools/165-annual-gift-exclusion-strategy/
Models a multi-year gifting plan across any number of recipients, including gift splitting between spouses and the five-year education account election, and shows what portion spills over into the lifetime exemption. The estate-tax-avoided row is suppressed unless the user's estate is above the federal exemption.
Policy Mandate type: annual_gift_exclusion_record

### #166 · AL-180 — Long-Term Care Cost Estimator
URL: https://apexlogics.org/tools/166-ltc-cost-estimator/
Compares what care actually costs across four settings: paid help at home, adult day care, assisted living, and a nursing home, correctly crediting facility settings (but not home settings) for avoided household costs, with a crossover-hours calculation and an insurance offset.
Policy Mandate type: ltc_cost_estimate_record

### #167 · AL-181 — Medicaid Spend-Down Modeler
URL: https://apexlogics.org/tools/167-medicaid-spend-down-modeler/
Models the gap between current countable assets and the Medicaid long-term-care asset limit, including the community spouse resource allowance and a transfer-penalty calculation. Covers exactly ten states (CA, FL, IL, MI, NJ, NY, OH, PA, TX, WA), stated prominently in the hero, with national defaults and a visible out-of-scope banner for any other state.
Policy Mandate type: medicaid_spend_down_record

### #178 · AL-192 — Growing-Family Marginal Cost (2nd+ Child)
URL: https://apexlogics.org/tools/178-growing-family-marginal-cost/
Stack the true marginal cost of a second or later child against the current one-child baseline: USDA-stamped scale factors for housing, transport, food, healthcare, and other spend, childcare that stacks near full price after any sibling discount, flat FSA and child-tax-credit caps that do not scale, and the compound growth lost while savings are paused. Outputs gross and net monthly marginal, an 18-year total including lost compound, and levers ranked by monthly relief. No rate database stored; family figures are user-supplied.
Policy Mandate type: family_marginal_cost_record
Handoffs out: AL-137, AL-138

### #179 · AL-193 — Divorce House: Keep vs. Sell
URL: https://apexlogics.org/tools/179-divorce-house-keep-vs-sell/
Price the largest check in a divorce two ways: keeping the marital home (refinance the balance plus the equity buyout at one income, carry taxes, insurance, and an upkeep reserve) versus selling (net proceeds after friction costs, invested at your return, with a rent reset that inflates). Compares net position at 5 and 10 years, reports the housing ratio with an affordability verdict, and flags refinance qualification and the 80 percent LTV line. Every figure is user-entered; deterministic arithmetic, not legal or tax advice.
Policy Mandate type: house_keep_sell_record
Handoffs out: AL-174, AL-175, AL-176, AL-167

## OCG-Industries Showcase (111 exemplars)

Curated gallery proving the OpenChainGraph stack renders any industry's provenance/decision problem as a runnable, verifiable chaingraph. Each is a real OCG node with a client-side execution hash. Gallery: https://apexlogics.org/showcase/

### SC-01 — Hash-Seeded Generative Art
URL: https://apexlogics.org/showcase/hash-seeded-generative-art/

Policy Mandate type: generative_art_record

### SC-02 — ARG Puzzle Gates
URL: https://apexlogics.org/showcase/arg-puzzle-gates/

Policy Mandate type: puzzle_gate_record

### SC-03 — Remix Lineage
URL: https://apexlogics.org/showcase/remix-lineage/

Policy Mandate type: remix_lineage_record

### SC-04 — Chaingraph Sonification
URL: https://apexlogics.org/showcase/chaingraph-sonification/

Policy Mandate type: chaingraph_sonification_record

### SC-05 — Generative Mesh Descriptor
URL: https://apexlogics.org/showcase/mesh-descriptor/

Policy Mandate type: mesh_descriptor_record

### SC-06 — Content Credential Binding
URL: https://apexlogics.org/showcase/content-credential-binding/

Policy Mandate type: content_credential_binding_record

### SC-07 — Material Passport Lineage
URL: https://apexlogics.org/showcase/material-passport-lineage/

Policy Mandate type: material_passport_lineage_record

### SC-08 — Proof of Play
URL: https://apexlogics.org/showcase/proof-of-play/

Policy Mandate type: proof_of_play_record

### SC-09 — Training Path Attestation
URL: https://apexlogics.org/showcase/training-path-attestation/

Policy Mandate type: training_path_attestation_record

### SC-10 — Commit and Reveal Dice
URL: https://apexlogics.org/showcase/commit-reveal-dice/

Policy Mandate type: commit_reveal_dice_record

### SC-11 — World State Checkpoint
URL: https://apexlogics.org/showcase/world-state-checkpoint/

Policy Mandate type: world_state_checkpoint_record

### SC-12 — Branching Fiction Lineage
URL: https://apexlogics.org/showcase/branching-fiction/

Policy Mandate type: branching_fiction_record

### SC-13 — Edition Revision Ledger
URL: https://apexlogics.org/showcase/edition-revision-ledger/

Policy Mandate type: edition_revision_ledger_record

### SC-14 — Consent Scope Check
URL: https://apexlogics.org/showcase/consent-scope-check/

Policy Mandate type: consent_scope_check_record

### SC-15 — Lore Canon Boundary
URL: https://apexlogics.org/showcase/lore-canon-boundary/

Policy Mandate type: lore_canon_boundary_record

### SC-16 — Source Chain Integrity
URL: https://apexlogics.org/showcase/source-chain-integrity/

Policy Mandate type: source_chain_integrity_record

### SC-20 — Handoff Integrity
URL: https://apexlogics.org/showcase/handoff-integrity/

Policy Mandate type: handoff_integrity_record

### SC-21 — Claim Source Audit
URL: https://apexlogics.org/showcase/claim-source-audit/

Policy Mandate type: claim_source_audit_record

### SC-27 — Rail Decision Provenance
URL: https://apexlogics.org/showcase/rail-decision-provenance/

Policy Mandate type: rail_decision_provenance_record

### SC-28 — Mandate Audit Chain
URL: https://apexlogics.org/showcase/mandate-audit-chain/

Policy Mandate type: mandate_audit_chain_record

### SC-29 — ISO 20022 Message Lineage
URL: https://apexlogics.org/showcase/iso20022-message-lint/

Policy Mandate type: iso20022_message_lint_record

### SC-30 — Hedge Execution Lineage
URL: https://apexlogics.org/showcase/hedge-execution-lineage/

Policy Mandate type: hedge_execution_lineage_record

### SC-31 — Reconciliation Evidence Package
URL: https://apexlogics.org/showcase/reconciliation-evidence/

Policy Mandate type: reconciliation_evidence_record

### SC-32 — Treasury Memo Lineage
URL: https://apexlogics.org/showcase/treasury-memo-lineage/

Policy Mandate type: treasury_memo_lineage_record

### SC-33 — CBDC Interop Handoff
URL: https://apexlogics.org/showcase/cbdc-interop-handoff/

Policy Mandate type: cbdc_interop_handoff_record

### SC-34 — Reserve Attestation Integrity
URL: https://apexlogics.org/showcase/reserve-attestation-integrity/

Policy Mandate type: reserve_attestation_integrity_record

### SC-35 — Chart to Endpoint Lineage
URL: https://apexlogics.org/showcase/chart-endpoint-lineage/

Policy Mandate type: chart_endpoint_lineage_record

### SC-36 — Contract Lifecycle Diff
URL: https://apexlogics.org/showcase/contract-lifecycle-diff/

Policy Mandate type: contract_lifecycle_diff_record

### SC-37 — Carbon Border Declaration Readiness
URL: https://apexlogics.org/showcase/cbam-declaration-readiness/

Policy Mandate type: cbam_declaration_readiness_record

### SC-38 — Autonomous Command Audit
URL: https://apexlogics.org/showcase/autonomous-command-audit/

Policy Mandate type: autonomous_command_audit_record

### SC-39 — Replication Receipt
URL: https://apexlogics.org/showcase/replication-receipt/

Policy Mandate type: replication_receipt_record

### SC-40 — Professional Skills Lineage
URL: https://apexlogics.org/showcase/professional-skills-lineage/

Policy Mandate type: professional_skills_lineage_record

### SC-41 — Claims Lifecycle Walk
URL: https://apexlogics.org/showcase/claims-lifecycle-walk/

Policy Mandate type: claims_lifecycle_walk_record

### SC-42 — Title Chain Continuity
URL: https://apexlogics.org/showcase/title-chain-continuity/

Policy Mandate type: title_chain_continuity_record

### SC-43 — News Asset Provenance
URL: https://apexlogics.org/showcase/news-asset-provenance/

Policy Mandate type: news_asset_provenance_record

### SC-44 — Certificate Retirement Check
URL: https://apexlogics.org/showcase/certificate-retirement-check/

Policy Mandate type: certificate_retirement_check_record

### SC-45 — Civic Decision Record
URL: https://apexlogics.org/showcase/civic-decision-record/

Policy Mandate type: civic_decision_record

### SC-47 — Pipeline Run Fingerprint
URL: https://apexlogics.org/showcase/pipeline-run-fingerprint/

Policy Mandate type: pipeline_run_fingerprint_record

### SC-48 — Scenario Constraint Certification
URL: https://apexlogics.org/showcase/scenario-constraint-cert/

Policy Mandate type: scenario_constraint_cert_record

### SC-49 — Synthesis Route Continuity
URL: https://apexlogics.org/showcase/synthesis-route-continuity/

Policy Mandate type: synthesis_route_continuity_record

### SC-50 — Detector Dataset Certification
URL: https://apexlogics.org/showcase/dataset-certification/

Policy Mandate type: dataset_certification_record

### SC-51 — Telemetry Acknowledgement Audit
URL: https://apexlogics.org/showcase/telemetry-ack-audit/

Policy Mandate type: telemetry_ack_audit_record

### SC-58 — SBOM Dependency Provenance
URL: https://apexlogics.org/showcase/sbom-dependency-provenance/
Enter up to five dependency rows with a component name, version, and license, plus a distribution intent. Returns a component count, license conflict and unknown-license counts, a stable content fingerprint of the row set, and a pass or fail status. Deterministic, zero external data. Policy Mandate v2.0: sbom_dependency_provenance_record.
Policy Mandate type: sbom_dependency_provenance_record

### SC-59 — VEX Vulnerability Disclosure Timeline
URL: https://apexlogics.org/showcase/vex-disclosure-timeline/
Given a discovery hour and the hour index at which the early warning, notification, and final report steps were filed, returns the due hour, on-time or late status, and slack for each step, plus a count of late steps and an overall cascade status. Deterministic, zero external data. Policy Mandate v2.0: vex_disclosure_timeline_record.
Policy Mandate type: vex_disclosure_timeline_record

### SC-60 — MCP Server Attestation
URL: https://apexlogics.org/showcase/mcp-server-attestation/
Given two pasted tool surfaces (one line per tool, name colon description) and a declared tool count, returns tool counts, content fingerprints for each surface, whether the surfaces match, whether the count matches what was declared, a positional changed-line count, and a status. Deterministic, zero external data. Policy Mandate v2.0: mcp_server_attestation_record.
Policy Mandate type: mcp_server_attestation_record

### SC-61 — CI/CD Build Provenance
URL: https://apexlogics.org/showcase/cicd-build-provenance/
Given a build descriptor entered once as the original and once as a rebuild (source ref, builder id, entrypoint, artifact name) and a claimed SLSA level, returns fingerprints for each descriptor, whether the rebuild reproduces the original, a mutated field count, field completeness, and the SLSA level the descriptor set can support. Deterministic, zero external data. Policy Mandate v2.0: cicd_build_provenance_record.
Policy Mandate type: cicd_build_provenance_record

### SC-62 — Document Integrity and Timestamp Anchor
URL: https://apexlogics.org/showcase/document-integrity-anchor/
Given a document, an anchor day key (yyyymmdd), an anchor reference, and an optional previously issued digest, returns char and line counts, a document digest, an anchor digest binding the document to the day and reference, and a verification result of first-anchor, match, or mismatch. Deterministic, zero external data. Policy Mandate v2.0: document_integrity_anchor_record.
Policy Mandate type: document_integrity_anchor_record

### SC-63 — Electronic Bill of Lading Title Transfer
URL: https://apexlogics.org/showcase/ebl-title-transfer/
Given an issuer and up to three transfer legs (from holder, to holder, leg day key), returns leg count, custody break count, ordering fault count, the derived current holder, a single-holder-ok flag, a lineage digest, and a status. Deterministic, zero external data. Policy Mandate v2.0: ebl_title_transfer_record.
Policy Mandate type: ebl_title_transfer_record

### SC-64 — Customs Declaration Lineage
URL: https://apexlogics.org/showcase/customs-declaration-lineage/
Given a customs declaration's core fields, its supporting document set, and an amendment index, returns missing field count, format checks for commodity code and origin country, supporting and missing document counts, the amendment index, a declaration digest, and a status. Deterministic, zero external data. Policy Mandate v2.0: customs_declaration_lineage_record.
Policy Mandate type: customs_declaration_lineage_record

### SC-65 — E-Invoice Clearance (ViDA)
URL: https://apexlogics.org/showcase/einvoice-clearance-vida/
Given an invoice's structural fields, returns the pass or fail result of five named clearance rules (invoice number present, issue date valid, VAT ids present, VAT arithmetic, total arithmetic), a failed rule count, the first failed rule, an invoice digest, and a status of cleared or rejected. Deterministic, zero external data. Policy Mandate v2.0: einvoice_clearance_vida_record.
Policy Mandate type: einvoice_clearance_vida_record

### SC-66 — Letter of Credit Document Set
URL: https://apexlogics.org/showcase/letter-of-credit-document-set/
Given eight document types each marked required and presented, plus presentation day, expiry day, and presentation period, returns required, presented, and missing counts, a comma joined list of missing types, an expiry check, the echoed presentation period, a discrepancy count, and a status. Deterministic, zero external data. Policy Mandate v2.0: letter_of_credit_document_set_record.
Policy Mandate type: letter_of_credit_document_set_record

### SC-67 — Pharma Serialization and Saleable Returns
URL: https://apexlogics.org/showcase/pharma-serialization-custody/
Given a GTIN, serial, lot, and up to three custody steps (party, event type), returns the GTIN mod-10 check result with expected and entered check digits, step count, sequence validity against the commissioned, shipped, received, returned, decommissioned order, the first break step, a unit digest, and a status. Deterministic, zero external data. Policy Mandate v2.0: pharma_serialization_custody_record.
Policy Mandate type: pharma_serialization_custody_record

### SC-68 — Food Traceability and 24 Hour Recall (FSMA 204)
URL: https://apexlogics.org/showcase/food-traceability-fsma204/
Given a lot's three critical tracking events (event type, location, lot code, day) plus a request hour and a records-ready hour, returns a KDE missing count, lot code consistency, chronology validity, response hours, a within-24-hour flag, and a status. Deterministic, zero external data. Policy Mandate v2.0: food_traceability_fsma204_record.
Policy Mandate type: food_traceability_fsma204_record

### SC-69 — Luxury Goods and Digital Product Passport
URL: https://apexlogics.org/showcase/digital-product-passport-lineage/
Given a GTIN, model reference, material composition, repairability note, revision index, and up to three handovers, returns the GTIN check result, mandatory attribute count, handover count, custody break count, chronology validity, a passport digest, a lineage digest, and a status. Deterministic, zero external data. Policy Mandate v2.0: digital_product_passport_lineage_record.
Policy Mandate type: digital_product_passport_lineage_record

### SC-70 — Anti-Counterfeit Consumer Verification
URL: https://apexlogics.org/showcase/anticounterfeit-consumer-check/
Given a scanned GTIN and serial, a seller declared model, a passport model, and an optional expected passport digest, returns the GTIN check result, serial presence, model match, a scanned digest, a digest check, a signal count out of 4, and a status. Deterministic, zero external data. Policy Mandate v2.0: anticounterfeit_consumer_check_record.
Policy Mandate type: anticounterfeit_consumer_check_record

### SC-71 — Multi-Party Supply-Chain Interoperability
URL: https://apexlogics.org/showcase/multiparty-supply-chain-interop/
Given up to three party contributions (party id, node output digest, declared parent party), returns party count, digest present count, parent resolution faults, root count, a join digest, a graph-joins flag, and a status. Deterministic, zero external data. Policy Mandate v2.0: multiparty_supply_chain_interop_record.
Policy Mandate type: multiparty_supply_chain_interop_record

### SC-72 — EUDR Due Diligence Statement Validation
URL: https://apexlogics.org/showcase/eudr-dds-validation/
Given an eight element weighted checklist for an EUDR due diligence statement, returns element count, score out of 100, a comma joined list of missing elements, a blocking-missing flag, and a status of filable, blocked, or gaps. Deterministic, zero external data. Policy Mandate v2.0: eudr_dds_validation_record.
Policy Mandate type: eudr_dds_validation_record

### SC-73 — EUDR Supply-Chain Risk and Traceability
URL: https://apexlogics.org/showcase/eudr-supply-chain-risk/
Given total and geolocated plot counts, a country risk tier, supplier tier depth, and a mixed origin flag, returns geolocation coverage and gap in basis points, country risk weight, traceability credit, mixed origin penalty, a risk score out of 100, a risk band, a simplified due diligence eligibility flag, and a status. Deterministic, zero external data. Policy Mandate v2.0: eudr_supply_chain_risk_record.
Policy Mandate type: eudr_supply_chain_risk_record

### SC-74 — C2PA Content Credential Verification
URL: https://apexlogics.org/showcase/content-credential-verification/
Given a credential entered once as signed and once as received (asset title, issuer, capture device, edit actions, content digest), returns fingerprints for each side, a manifest match flag, mutated field names and count, an assertion count, issuer presence, and a status. Deterministic, zero external data. Policy Mandate v2.0: content_credential_verification_record.
Policy Mandate type: content_credential_verification_record

### SC-75 — AI Content Disclosure (AI Act Article 50)
URL: https://apexlogics.org/showcase/ai-content-disclosure-conformance/
Given a content type and five marking checklist items, returns disclosure requirement, disclosure regime (full or reduced), required and satisfied element counts, missing elements, echoed human review documentation, and a conformance status. Deterministic, zero external data. Policy Mandate v2.0: ai_content_disclosure_conformance_record.
Policy Mandate type: ai_content_disclosure_conformance_record

### SC-76 — Deepfake Consumer Verification
URL: https://apexlogics.org/showcase/deepfake-consumer-verification/
Given five yes, no, or unknown answers (credential present, credential matches source, publisher identifiable, disclosure label visible, independent report found), returns a signal total out of 10, unknown and no counts, a confidence band, a checkable-now flag, and a status. Deterministic, zero external data. Policy Mandate v2.0: deepfake_consumer_verification_record.
Policy Mandate type: deepfake_consumer_verification_record

### SC-77 — Cross-Vendor Provenance Interoperability
URL: https://apexlogics.org/showcase/cross-vendor-provenance-interop/
Given three core fields entered twice (asset id, issuer, created day) and two source formats, returns field agreement count, disagreeing field names, a mappable flag, a format pair, a normalized digest, and a status. Deterministic, zero external data. Policy Mandate v2.0: cross_vendor_provenance_interop_record.
Policy Mandate type: cross_vendor_provenance_interop_record

### SC-94 — CBAM Filing Pack
URL: https://apexlogics.org/showcase/cbam-filing-pack/

Policy Mandate type: cbam_filing_pack_record

### SC-95 — Interconnection Readiness Score
URL: https://apexlogics.org/showcase/interconnection-readiness/

Policy Mandate type: interconnection_readiness_record

### SC-96 — Prior-Auth Deadline Receipt
URL: https://apexlogics.org/showcase/prior-auth-deadline/

Policy Mandate type: prior_auth_deadline_record

### SC-97 — Prior-Auth Metrics Pack
URL: https://apexlogics.org/showcase/pa-metrics/

Policy Mandate type: pa_metrics_record

### SC-98 — Payer AI-Decisioning Audit
URL: https://apexlogics.org/showcase/payer-ai-decision-audit/

Policy Mandate type: payer_ai_decision_audit_record

### SC-99 — Tolerance-Cure Receipt
URL: https://apexlogics.org/showcase/trid-tolerance-cure/

Policy Mandate type: trid_tolerance_cure_record

### SC-100 — Wire and Payoff Instruction Binding
URL: https://apexlogics.org/showcase/payoff-instruction-binding/

Policy Mandate type: payoff_instruction_binding_record

### SC-101 — Suspect-Product Disposition Receipt
URL: https://apexlogics.org/showcase/suspect-product-disposition/

Policy Mandate type: pi_barcode_verification_record

### SC-102 — Saleable-Return Verification
URL: https://apexlogics.org/showcase/saleable-return-verification/

Policy Mandate type: pi_barcode_verification_record

### SC-103 — Lot Receipt for Tracking Events
URL: https://apexlogics.org/showcase/cte-kde-lot-receipt/

Policy Mandate type: cte_kde_lot_record

### SC-104 — Open Badges 3.0 Issuance Lint
URL: https://apexlogics.org/showcase/openbadge3-lint/

Policy Mandate type: openbadge3_lint_record

### SC-105 — EUDI Diploma Readiness
URL: https://apexlogics.org/showcase/eudi-diploma-readiness/

Policy Mandate type: eudi_diploma_readiness_record

### SC-106 — Skills-Verification Coverage Gate
URL: https://apexlogics.org/showcase/skills-verification-gate/

Policy Mandate type: skills_verification_gate_record

### SC-107 — EU-Taxonomy Green-CapEx Gate
URL: https://apexlogics.org/showcase/taxonomy-green-capex-gate/

Policy Mandate type: taxonomy_green_capex_record

### SC-108 — Agency Salability Pre-Check
URL: https://apexlogics.org/showcase/agency-salability-precheck/

Policy Mandate type: agency_salability_record

### SC-109 — Dispenser EDDS Readiness
URL: https://apexlogics.org/showcase/dispenser-traceability-readiness/

Policy Mandate type: dispenser_readiness_record

### SC-110 — 24-Hour Recall Pack
URL: https://apexlogics.org/showcase/recall-pack-24h/

Policy Mandate type: recall_pack_record

### SC-111 — EUDR Export Pack
URL: https://apexlogics.org/showcase/eudr-export-pack/

Policy Mandate type: eudr_export_pack_record

### SC-17 — Agent Memory Lineage
URL: https://apexlogics.org/showcase/agent-memory/

Policy Mandate type: agent_memory_record

### SC-18 — Benchmark Provenance
URL: https://apexlogics.org/showcase/benchmark-provenance/

Policy Mandate type: benchmark_provenance_record

### SC-19 — Agent Authority Envelope
URL: https://apexlogics.org/showcase/agent-authority-envelope/

Policy Mandate type: agent_authority_envelope_record

### SC-22 — Fine-tuning Lineage
URL: https://apexlogics.org/showcase/finetune-lineage/

Policy Mandate type: finetune_lineage_record

### SC-23 — Geocache Fragment Verification
URL: https://apexlogics.org/showcase/geocache-verify/

Policy Mandate type: geocache_verify_record

### SC-24 — Exhibit Visit Receipt
URL: https://apexlogics.org/showcase/exhibit-visit-receipt/

Policy Mandate type: exhibit_visit_receipt_record

### SC-25 — Attendance Reconciliation
URL: https://apexlogics.org/showcase/attendance-reconciliation/

Policy Mandate type: attendance_reconciliation_record

### SC-26 — Sensor Reading Plausibility
URL: https://apexlogics.org/showcase/sensor-reading-plausibility/

Policy Mandate type: sensor_reading_plausibility_record

### SC-46 — Workforce Credential Batch
URL: https://apexlogics.org/showcase/workforce-credential-batch/

Policy Mandate type: workforce_credential_batch_record

### SC-52 — Evidence Ledger Margin Check
URL: https://apexlogics.org/showcase/evidence-ledger-margin/

Policy Mandate type: evidence_ledger_margin_record

### SC-53 — DID Anchor Check
URL: https://apexlogics.org/showcase/did-anchor-check/

Policy Mandate type: did_anchor_check_record

### SC-54 — Verification Reuse Check
URL: https://apexlogics.org/showcase/verification-reuse-check/

Policy Mandate type: verification_reuse_check_record

### SC-55 — Credential Revocation Audit
URL: https://apexlogics.org/showcase/credential-revocation-audit/

Policy Mandate type: credential_revocation_record

### SC-56 — Cross-Border eID Acceptance
URL: https://apexlogics.org/showcase/eid-acceptance-check/

Policy Mandate type: eid_acceptance_check_record

### SC-57 — Export Completeness Receipt
URL: https://apexlogics.org/showcase/export-completeness-receipt/

Policy Mandate type: export_completeness_receipt_record

### SC-78 — Agent Identity Verification
URL: https://apexlogics.org/showcase/agent-identity-verification/

Policy Mandate type: agent_identity_verification_record

### SC-79 — Agent Identity Publishing Readiness
URL: https://apexlogics.org/showcase/agent-identity-publishing-readiness/

Policy Mandate type: agent_identity_publishing_readiness_record

### SC-80 — SBOM Provenance Attestation
URL: https://apexlogics.org/showcase/sbom-provenance-attestation/

Policy Mandate type: sbom_provenance_attestation_record

### SC-81 — CRA Product Conformance
URL: https://apexlogics.org/showcase/cra-product-conformance/

Policy Mandate type: cra_product_conformance_record

### SC-82 — NIS2 Entity Scope and Obligations
URL: https://apexlogics.org/showcase/nis2-entity-scope-and-obligations/

Policy Mandate type: nis2_entity_scope_and_obligations_record

### SC-83 — NIS2 Incident Reporting and Supply-Chain Readiness
URL: https://apexlogics.org/showcase/nis2-incident-and-supply-chain-readiness/

Policy Mandate type: nis2_incident_and_supply_chain_readiness_record

### SC-84 — EMIR Trade Report Validation
URL: https://apexlogics.org/showcase/emir-trade-report-validation/

Policy Mandate type: emir_trade_report_validation_record

### SC-85 — EMIR Reconciliation and Lifecycle
URL: https://apexlogics.org/showcase/emir-reconciliation-and-lifecycle/

Policy Mandate type: emir_reconciliation_and_lifecycle_record

### SC-86 — IFRS 17 Measurement Model Classification Receipt
URL: https://apexlogics.org/showcase/ifrs17-measurement-model-receipt/

Policy Mandate type: ifrs17_measurement_model_receipt_record

### SC-87 — Solvency II SCR Ratio Disclosure
URL: https://apexlogics.org/showcase/solvency2-scr-ratio-disclosure/

Policy Mandate type: solvency2_scr_ratio_disclosure_record

### SC-88 — Solvency II to IFRS 17 Reconciliation
URL: https://apexlogics.org/showcase/sii-ifrs17-reconciliation/

Policy Mandate type: sii_ifrs17_reconciliation_record

### SC-89 — Risk Adjustment Attestation
URL: https://apexlogics.org/showcase/ifrs17-risk-adjustment-attestation/

Policy Mandate type: ifrs17_risk_adjustment_attestation_record

### SC-90 — Markdown Document Conversion Receipt
URL: https://apexlogics.org/showcase/markdown-conversion-receipt/

Policy Mandate type: markdown_conversion_receipt_record

### SC-91 — Tabular Data Conversion Receipt
URL: https://apexlogics.org/showcase/tabular-conversion-receipt/

Policy Mandate type: tabular_conversion_receipt_record

### SC-92 — CAMT.053 Reconciliation Parse
URL: https://apexlogics.org/showcase/camt053-reconciliation-parse/

Policy Mandate type: camt053_reconciliation_parse_record

### SC-93 — Content Provenance Stamp
URL: https://apexlogics.org/showcase/content-provenance-stamp/

Policy Mandate type: content_provenance_stamp_record

## Workflows (41)

WF-01 · New Offer Decision Suite — https://apexlogics.org/workflows/new-offer-suite.html
WF-02 · Grad School Decision Engine — https://apexlogics.org/workflows/grad-school-decision-engine.html
WF-03 · Career Pivot Playbook — https://apexlogics.org/workflows/career-pivot-playbook.html
WF-04 · Credentialing Fast-Track — https://apexlogics.org/workflows/credentialing-fast-track.html
WF-05 · College Financial Planning Suite — https://apexlogics.org/workflows/college-financial-planning-suite.html
WF-06 · Freelance Leap Calculator — https://apexlogics.org/workflows/freelance-leap-calculator.html
WF-07 · Career Exit & Restart Planner — https://apexlogics.org/workflows/career-exit-restart-planner.html
WF-08 · International Career Navigator — https://apexlogics.org/workflows/international-career-navigator.html
WF-09 · AI Career Transition Playbook — https://apexlogics.org/workflows/ai-career-transition-playbook.html
WF-10 · Federal Job Decision Suite — https://apexlogics.org/workflows/federal-job-decision-suite.html
WF-11 · Education Path Decision Engine — https://apexlogics.org/workflows/education-path-decision-engine.html
WF-12 · Remote Work & Relocation Suite — https://apexlogics.org/workflows/remote-work-relocation-suite.html
WF-13 · MBA Aspirant Complete Playbook — https://apexlogics.org/workflows/mba-aspirant-playbook.html
WF-14 · Employer Education Benefit Maximizer — https://apexlogics.org/workflows/employer-education-benefit-maximizer.html
WF-15 · Law & Professional School Full Journey — https://apexlogics.org/workflows/law-professional-school-journey.html
WF-16 · Mid-Career Credential Stack Planner — https://apexlogics.org/workflows/mid-career-credential-stack-planner.html
WF-17 · International MBA Applicant Complete Journey — https://apexlogics.org/workflows/international-mba-complete-journey.html
WF-18 · LSAT to JD Career Outcome Planner — https://apexlogics.org/workflows/lsat-to-jd-career-planner.html
WF-19 · MBA Ding → Comeback Planner — https://apexlogics.org/workflows/mba-ding-comeback-planner.html
WF-20 · 2026 Student Loan Borrower Decision Journey — https://apexlogics.org/workflows/2026-borrower-decision-journey.html
WF-21 · Course Design Studio — https://apexlogics.org/workflows/course-design-studio.html
WF-22 · Employer Benefits Decision — https://apexlogics.org/workflows/employer-benefits-decision.html
WF-23 · Corporate Upskilling ROI — https://apexlogics.org/workflows/corporate-upskilling-roi.html
WF-24 · AI Displacement & Career Transition — https://apexlogics.org/workflows/ai-displacement-career-transition.html
WF-25 · Employer Talent Retention — https://apexlogics.org/workflows/employer-talent-retention.html
WF-26 · Equity Compensation Decisions — https://apexlogics.org/workflows/equity-compensation-decisions.html
WF-27 · Freelance Tax Lifecycle — https://apexlogics.org/workflows/freelance-tax-lifecycle.html
WF-28 · Student Loan Payoff Decisions — https://apexlogics.org/workflows/student-loan-payoff-decisions.html
WF-29 · Sandwich Generation / Career Break — https://apexlogics.org/workflows/sandwich-generation-career-break.html
WF-30 · Teacher Career & Compensation — https://apexlogics.org/workflows/teacher-career-compensation.html
WF-31 · Skilled Trades Career Builder — https://apexlogics.org/workflows/skilled-trades-career-builder.html
WF-32 · Veteran Transition & GI Bill Planner — https://apexlogics.org/workflows/veteran-transition-gi-bill.html
WF-33 · Am I Underpaid? Stay-and-Ask — https://apexlogics.org/workflows/underpaid-stay-and-ask.html
WF-34 · Working Parent Childcare Planner — https://apexlogics.org/workflows/working-parent-childcare.html
WF-35 · Nurse Shift & Travel Comp Optimizer — https://apexlogics.org/workflows/nurse-shift-travel-comp.html
WF-36 · Job Separation Financial Playbook — https://apexlogics.org/workflows/job-separation-financial-playbook.html
WF-37 · Self-Employment Tax Optimizer — https://apexlogics.org/workflows/self-employment-tax-optimizer.html
WF-38 · Equity Exit Planning — https://apexlogics.org/workflows/equity-exit-planning.html
WF-39 · QSBS + Federal Career Transition — https://apexlogics.org/workflows/qsbs-federal-career-transition.html
WF-40 · Immigration Career Planner — https://apexlogics.org/workflows/immigration-career-planner.html
WF-41 · Program Evaluation Journey — https://apexlogics.org/workflows/program-evaluation-journey.html

## OpenChainGraphs (13 persona journeys)

Each OpenChainGraph bundles one persona's decision journeys into a guided, Policy-Mandate-verified chain where each step's execution hash feeds the next.

OpenChainGraph Hub — https://apexlogics.org/chaingraph/chaingraph-hub.html
Worker / Employee — https://apexlogics.org/chaingraph/worker.html
Freelancer / Self-Employed — https://apexlogics.org/chaingraph/freelancer.html
Federal Employee — https://apexlogics.org/chaingraph/federal-employee.html
Veteran — https://apexlogics.org/chaingraph/veteran.html
Skilled Trades — https://apexlogics.org/chaingraph/trades.html
Nurse / Healthcare — https://apexlogics.org/chaingraph/nurse-healthcare.html
Student — https://apexlogics.org/chaingraph/student.html
Grad / Professional Applicant — https://apexlogics.org/chaingraph/grad-applicant.html
Parent / College Funder — https://apexlogics.org/chaingraph/parent.html
Educator / Teacher — https://apexlogics.org/chaingraph/educator.html
Immigrant / Visa Holder — https://apexlogics.org/chaingraph/immigrant-visa-holder.html
New Parent / Caregiver — https://apexlogics.org/chaingraph/new-parent-caregiver.html
Employer (HR/People) — https://apexlogics.org/chaingraph/employer.html

Machine-readable graph index (LLMEO surface): https://apexlogics.org/chaingraph/chaingraph.json

## Guides (10)

Education Path Hub — https://apexlogics.org/guides/education-path-hub.html
Compensation & Offers Hub — https://apexlogics.org/guides/compensation-offers-hub.html
Career Transition Hub — https://apexlogics.org/guides/career-transition-hub.html
Licensing & Credentials Hub — https://apexlogics.org/guides/licensing-credentials-hub.html
Student Finance Hub — https://apexlogics.org/guides/student-finance-hub.html
Workforce Development Hub — https://apexlogics.org/guides/workforce-development-hub.html
Immigration & Visa Hub — https://apexlogics.org/guides/immigration-visa-hub.html
2026 Student Loan Changes (OBBBA) — https://apexlogics.org/guides/student-loans-2026.html
Teaching & Instruction — https://apexlogics.org/guides/teaching-instruction-hub.html
Money & Life Events — https://apexlogics.org/guides/money-life-events-hub.html

## Policy Mandate Types (187 active across the suite)

credential_roi_evaluation · fafsa_sai_estimate · graduate_school_roi_record
benefits_election_record · offer_negotiation_record · automation_exposure_score
career_resilience_score · career_pivot_assessment · career_transition_record
severance_decision_record · job_search_roi_record · career_break_record
human_capital_assessment · cpd_credit_record · exam_pathway_plan
scholarship_pipeline_plan · workforce_program_roi · apprenticeship_match_record
mba_roi_evaluation · test_prep_roi_record · international_student_cost_record
parent_college_roi_record · equity_compensation_record · loan_repayment_record
freelance_total_cost_record · education_savings_record · total_comp_record
geo_arbitrage_record · visa_strategy_record · license_reciprocity_record
ai_skills_premium_record · federal_comp_record · education_path_record
remote_tax_record · noncompete_risk_record · professional_degree_record
military_civilian_record · workforce_pell_record · workforce_pell_credential_rank
net_worth_trajectory_record · signing_bonus_record · gig_income_record
cert_renewal_forecast_record · isa_loan_record · dual_enrollment_record
deferred_comp_457b_record · tutor_roi_record · test_retake_record
mba_portfolio_record · tuition_reimbursement_record · phd_pivot_record
law_school_roi_record · test_choice_record · exec_mba_record
stem_opt_record · english_test_choice_record · lsat_tier_record
mba_scholarship_record · consulting_roi_record · mba_yield_record
dual_degree_record · online_mba_record · mba_waitlist_record
deferred_mba_record
sales_ote_record · counter_offer_record · relocation_package_record · dual_career_record
internship_roi_record · cc_transfer_record · grad_cert_record · adult_learner_record
nursing_ladder_record · side_hustle_transition_record · l1_spanish_interference_record · game_theory_record
trade_wage_progression_record · trade_cert_roi_record · contractor_launch_record
gi_bill_benefit_record · skillbridge_credential_record · veteran_income_bridge_record
dependent_care_fsa_cdctc_record · parental_leave_income_record · travel_nurse_comp_record · shift_differential_optimizer_record

staking_airdrop_income_record · rmd_withdrawal_sequence_record · roth_conversion_window_record
irmaa_bracket_record · medicare_plan_comparison_record · medicare_oop_exposure_record
homeownership_tco_record · home_affordability_record · rental_deal_screen_record
rental_depreciation_shield_record · business_valuation_record · owner_salary_normalization_record
business_sale_tax_record · marital_asset_division_record · spousal_support_range_record
qdro_pension_split_record · net_estate_probate_record · estate_tax_liability_record
annual_gift_exclusion_record · ltc_cost_estimate_record · medicaid_spend_down_record
agency_salability_record · ai_content_disclosure_conformance_record · anticounterfeit_consumer_check_record
puzzle_gate_record · autonomous_command_audit_record · branching_fiction_record
cbam_declaration_readiness_record · cbam_filing_pack_record · cbdc_interop_handoff_record
certificate_retirement_check_record · chaingraph_sonification_record · chart_endpoint_lineage_record
cicd_build_provenance_record · civic_decision_record · claim_source_audit_record
claims_lifecycle_walk_record · commit_reveal_dice_record · consent_scope_check_record
content_credential_binding_record · content_credential_verification_record · contract_lifecycle_diff_record
cross_vendor_provenance_interop_record · cte_kde_lot_record · customs_declaration_lineage_record
dataset_certification_record · deepfake_consumer_verification_record · digital_product_passport_lineage_record
dispenser_readiness_record · document_integrity_anchor_record · ebl_title_transfer_record
edition_revision_ledger_record · einvoice_clearance_vida_record · eudi_diploma_readiness_record
eudr_dds_validation_record · eudr_export_pack_record · eudr_supply_chain_risk_record
food_traceability_fsma204_record · handoff_integrity_record · generative_art_record
hedge_execution_lineage_record · interconnection_readiness_record · iso20022_message_lint_record
letter_of_credit_document_set_record · lore_canon_boundary_record · mandate_audit_chain_record
material_passport_lineage_record · mcp_server_attestation_record · mesh_descriptor_record
multiparty_supply_chain_interop_record · news_asset_provenance_record · openbadge3_lint_record
pa_metrics_record · payer_ai_decision_audit_record · payoff_instruction_binding_record
pharma_serialization_custody_record · pipeline_run_fingerprint_record · prior_auth_deadline_record
professional_skills_lineage_record · proof_of_play_record · rail_decision_provenance_record
recall_pack_record · reconciliation_evidence_record · remix_lineage_record
replication_receipt_record · reserve_attestation_integrity_record · pi_barcode_verification_record · reversal_detector_record
sbom_dependency_provenance_record · scenario_constraint_cert_record · skills_verification_gate_record
source_chain_integrity_record · synthesis_route_continuity_record · taxonomy_green_capex_record
telemetry_ack_audit_record · title_chain_continuity_record · training_path_attestation_record
treasury_memo_lineage_record · trid_tolerance_cure_record · vex_disclosure_timeline_record
world_state_checkpoint_record
Note: the suite spans two Policy Mandate schema generations — v1.0 (nested mandates, tools #01–#33-era) and v2.0 (flat mandates, tools #29+). Canonical reconciliation lives in the build contract; each tool validates its emitted type before download.

## Technical Constraints (All Tools)

- Single self-contained .html file per tool. No external dependencies post-load.
- Zero network calls. No fetch, XHR, WebWorker, or CDN after page load.
- Zero PII. No storage, logging, or transmission of personal data.
- sessionStorage: apex_lang key only (UI language preference).
- Fonts: Google Fonts (DM Serif Display, Sora, JetBrains Mono) loaded at page open only.
- i18n: EN/ES/FR/AR/PT/Chinese language toggle on every tool.
- Policy Mandate export: JSON + Markdown download. Schema validation runs before any download.
- PII banner: "All inputs are processed locally in your browser. Nothing is transmitted, stored, or logged."
- License: CC BY 4.0. Source readable and attribution-ready.

## About

ApexLogics is built by Post Oak Labs (https://postoaklabs.com).
Fintech companion suite: AINumbers.co by Post Oak Labs (https://ainumbers.co).
Suite registry (machine-readable): https://apexlogics.org/suite-registry.json