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Adaptive research systems can generate, discard, revise, and monitor trading rules faster than their selection history can be audited. We ask when such a system may promote a frozen rule to governed forward evaluation. The proposed protocol assigns each candid…

In the United States, banking desert status is classified annually from that same year’s branch data, producing a contemporaneous snapshot of current access rather than a forecast of which communities are likely to change status next. This study tests whether …

Enterprise financial forecasts are generated across multiple business dimensions such as products, regions, channels, customer cohorts, and segments. In a large enterprise, this can result in billions of populated intersections that finance teams cannot review…

Open-finance services must prepare for cryptographic transitions while evaluating quantum-computing opportunities against classical alternatives. These decisions require different evidence but concern shared data, software, suppliers, and owners. This paper de…