What the product looks like

A gallery of mockups on phone and computer frames. Every figure is static representative data — the two charts render from hard-coded, locked datasets with no live fetch, and each chart is paired with a data table so the numbers survive even without charts.

§5.1 — Client overview

§5.2 — Observations feed

Each time or money event is an Observation with a coded behavior, a human label, a category chip, a date, and a value. The $12,500 golf-cart purchase on 2026-09-28 (row 11) is the anomaly that breaches the deviation band in §5.3 and triggers the syndication flow in §5.6 — it is styled in risk red.

§5.3 — Rolling metrics

Weekly money-spend (W1–W12, 2026-07-06 → 2026-09-28) with its 4-week trailing rolling average and a ±1.5σ deviation band. Normal weeks range roughly $1,500–$2,950 and stay comfortably inside the band. W12's $12,500 golf-cart purchase (Observation row 11) is evaluated against the pre-spike band — it clears the ~$2,632 ceiling by roughly 4.75×, so it's flagged as a detected anomaly, marked in risk red.

§5.3b — Time utilization & behavioral drift

Money is only half the signal. This view treats how the Client spends their time as a first-class behavior: each week is a full bar split into activity shares (Work, Health/Fitness, Family/Social, Leisure/Golf, Admin/Finance), derived from calendar time Observations. Anomaly detection here is not a single spike but behavioral drift — the Leisure/Golf share is tracked against its own trailing baseline, and W12 breaches it: Leisure/Golf balloons to 36% of logged time (34 h) while Health collapses to 3% and Family to 7%. The time signal corroborates the money spike in §5.3 — the same week as the $12,500 golf-cart purchase.

§5.4 — RiskAssessment card

§5.5 — Immunized goal-funding view

The account.ninja → immunized-baseline integration. Money is placed into three interest-earning tiers — LOW / MEDIUM / HIGH risk — using a fixed 40 / 35 / 25 barbell split (midpoint returns 4.5% / 7% / 11%). We compare two ways to get started: putting 10% down vs 20% down up front. The chart below plots total balance growing to the $90,000 goal for each scenario — 10% down in magenta, 20% down in cyan — deliberately colored apart from the three risk tiers so a scenario line is never mistaken for a tier.

How to read the tables: the Up-front lump sum columns show the one-time down payment and how the 40/35/25 split sends it into LOW/MED/HIGH. The Per-cycle vesting columns show what you contribute to each tier every cycle thereafter. Put more down up front (20%) and the per-cycle amount you still need drops — that's the relief compound interest buys you. Figures are copied to the cent from the deterministic account-ninja vesting-schedule CSVs.

§5.6 — Syndication & human-in-the-loop

The breach in §5.3 and the golf-cart Observation in §5.2 fire a notification thread to Jim. Pre-approval data is syndicated from an insurer pipeline, and a human insurance-broker Practitioner is offered as bookable Encounter slots the Client approves.