Open-World: добавить возрастной сигнал открытых расчетов

2026-05-04 08:52:43 +03:00
parent 7294eca381
commit 9b26bd05ef
9 changed files with 353 additions and 15 deletions
@@ -354,6 +354,9 @@ function headlineFor(mode, pilot) {
        }
        if (overview.debt_open_settlement_quality) {
            families.push("качество открытых расчетов");
+            if (overview.debt_open_settlement_quality.age_signal) {
+                families.push("возрастной сигнал открытых расчетов");
+            }
        }
        if (overview.inventory_position) {
            families.push("складской срез на дату");
@@ -863,6 +866,12 @@ function derivedBusinessOverviewConfirmedLines(pilot) {
            ? ` Крупнейший открытый договор: ${topContract.contract}${topContract.counterparty ? ` / ${topContract.counterparty}` : ""} — ${topContract.total_amount_human_ru}${topContract.share_of_gross_open_amount_pct === null ? "" : ` (${topContract.share_of_gross_open_amount_pct}%)`}.`
            : "";
        lines.push(`Качество открытых расчетов на ${quality.as_of_date}: брутто открытых договорных остатков ${quality.gross_open_amount_human_ru}, договоров ${quality.unique_contracts}, контрагентов ${quality.unique_counterparties}.${topContractText}`);
+        if (quality.age_signal?.oldest_start_date) {
+            const ageText = quality.age_signal.max_age_days === null
+                ? ""
+                : `, максимальный возраст сигнала ${quality.age_signal.max_age_days} дн.`;
+            lines.push(`Возрастной сигнал открытых расчетов: самая ранняя найденная дата договора ${quality.age_signal.oldest_start_date}${ageText}. Это не просрочка и не due-date анализ.`);
+        }
    }
    if (overview.inventory_position) {
        const leader = overview.inventory_position.top_items[0];
@@ -940,6 +949,9 @@ function buildAssistantMcpDiscoveryAnswerDraft(pilot) {
    }
    if (pilot.derived_business_overview?.debt_open_settlement_quality) {
        pushReason(reasonCodes, "answer_contains_business_overview_open_settlement_quality");
+        if (pilot.derived_business_overview.debt_open_settlement_quality.age_signal) {
+            pushReason(reasonCodes, "answer_contains_business_overview_debt_age_signal");
+        }
    }
    if (pilot.derived_business_overview?.inventory_position) {
        pushReason(reasonCodes, "answer_contains_business_overview_inventory_position");
@@ -1541,6 +1541,66 @@ function rowCounterpartyValue(row) {
    }
    return rowAnalyticsTextValues(row).find(isLikelyCounterpartyToken) ?? null;
 }
+function normalizeDateParts(yearText, monthText, dayText) {
+    const year = Number(yearText);
+    const month = Number(monthText);
+    const day = Number(dayText);
+    if (!Number.isInteger(year) || !Number.isInteger(month) || !Number.isInteger(day)) {
+        return null;
+    }
+    if (year < 1900 || year > 2100 || month < 1 || month > 12 || day < 1 || day > 31) {
+        return null;
+    }
+    const date = new Date(Date.UTC(year, month - 1, day));
+    if (date.getUTCFullYear() !== year ||
+        date.getUTCMonth() !== month - 1 ||
+        date.getUTCDate() !== day) {
+        return null;
+    }
+    return [
+        String(year).padStart(4, "0"),
+        String(month).padStart(2, "0"),
+        String(day).padStart(2, "0")
+    ].join("-");
+}
+function extractContractDateFromText(value) {
+    const text = toNonEmptyString(value);
+    if (!text || !/(?:договор|contract|дог\.)/iu.test(text)) {
+        return null;
+    }
+    const isoLikeMatch = text.match(/(\d{4})[-./](\d{1,2})[-./](\d{1,2})/);
+    if (isoLikeMatch) {
+        return normalizeDateParts(isoLikeMatch[1], isoLikeMatch[2], isoLikeMatch[3]);
+    }
+    const ruDateMatch = text.match(/(\d{1,2})[./-](\d{1,2})[./-](\d{4})/);
+    if (ruDateMatch) {
+        return normalizeDateParts(ruDateMatch[3], ruDateMatch[2], ruDateMatch[1]);
+    }
+    return null;
+}
+function earlierIsoDate(left, right) {
+    if (!left) {
+        return right;
+    }
+    if (!right) {
+        return left;
+    }
+    return right < left ? right : left;
+}
+function rowOpenSettlementContractStartDateValue(row) {
+    const candidates = [
+        rowContractValue(row),
+        rowDocumentValue(row),
+        ...rowAnalyticsTextValues(row)
+    ];
+    for (const candidate of candidates) {
+        const contractDate = extractContractDateFromText(candidate);
+        if (contractDate) {
+            return contractDate;
+        }
+    }
+    return null;
+}
 function monthBucketFromIsoDate(isoDate) {
    const match = isoDate?.match(/^(\d{4})-(\d{2})-\d{2}$/);
    return match ? `${match[1]}-${match[2]}` : null;
@@ -1982,6 +2042,7 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
    if (!input.debtAsOfDate || !input.openContractsResult || input.openContractsResult.error || input.openContractsResult.matched_rows <= 0) {
        return null;
    }
+    const debtAsOfDate = input.debtAsOfDate;
    const counterpartyBuckets = new Map();
    const contractBuckets = new Map();
    const counterparties = new Set();
@@ -2014,15 +2075,18 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
            rowsWithoutCounterparty += 1;
        }
        if (contract) {
+            const contractStartDate = rowOpenSettlementContractStartDateValue(row);
            contracts.add(contract);
            const current = contractBuckets.get(contract) ?? {
                counterparty,
+                contract_start_date: contractStartDate,
                rows_with_amount: 0,
                total_amount: 0
            };
            if (!current.counterparty && counterparty) {
                current.counterparty = counterparty;
            }
+            current.contract_start_date = earlierIsoDate(current.contract_start_date, contractStartDate);
            current.rows_with_amount += 1;
            current.total_amount += absAmount;
            contractBuckets.set(contract, current);
@@ -2050,6 +2114,7 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
        .map(([contract, bucket]) => ({
        contract,
        counterparty: bucket.counterparty,
+        contract_start_date: bucket.contract_start_date,
        rows_with_amount: bucket.rows_with_amount,
        total_amount: bucket.total_amount,
        total_amount_human_ru: formatAmountHumanRu(bucket.total_amount),
@@ -2060,8 +2125,51 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
        return amountDelta !== 0 ? amountDelta : left.contract.localeCompare(right.contract, "ru");
    })
        .slice(0, 5);
+    const agedContractBuckets = Array.from(contractBuckets.entries())
+        .map(([contract, bucket]) => {
+        if (!bucket.contract_start_date) {
+            return null;
+        }
+        return {
+            contract,
+            counterparty: bucket.counterparty,
+            start_date: bucket.contract_start_date,
+            age_days: daysBetweenIsoDates(bucket.contract_start_date, debtAsOfDate),
+            total_amount: bucket.total_amount,
+            total_amount_human_ru: formatAmountHumanRu(bucket.total_amount),
+            share_of_gross_open_amount_pct: percentageOfTotal(bucket.total_amount, grossOpenAmount)
+        };
+    })
+        .filter((item) => Boolean(item))
+        .sort((left, right) => {
+        const leftAge = left.age_days ?? -1;
+        const rightAge = right.age_days ?? -1;
+        const ageDelta = rightAge - leftAge;
+        if (ageDelta !== 0) {
+            return ageDelta;
+        }
+        const amountDelta = right.total_amount - left.total_amount;
+        return amountDelta !== 0 ? amountDelta : left.contract.localeCompare(right.contract, "ru");
+    });
+    const debtAgeDates = agedContractBuckets.map((bucket) => bucket.start_date).sort();
+    const maxAgeDays = agedContractBuckets.reduce((max, bucket) => {
+        if (bucket.age_days === null) {
+            return max;
+        }
+        return max === null ? bucket.age_days : Math.max(max, bucket.age_days);
+    }, null);
+    const ageSignal = agedContractBuckets.length > 0
+        ? {
+            contracts_with_start_date: agedContractBuckets.length,
+            oldest_start_date: debtAgeDates[0] ?? null,
+            latest_start_date: debtAgeDates[debtAgeDates.length - 1] ?? null,
+            max_age_days: maxAgeDays,
+            top_aged_contracts: agedContractBuckets.slice(0, 5),
+            inference_basis: "contract_dates_from_open_settlement_rows"
+        }
+        : null;
    return {
-        as_of_date: input.debtAsOfDate,
+        as_of_date: debtAsOfDate,
        rows_matched: input.openContractsResult.matched_rows,
        rows_with_amount: rowsWithAmount,
        gross_open_amount: grossOpenAmount,
@@ -2074,6 +2182,7 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
        top_contracts: topContracts,
        concentration_top_counterparty_pct: percentageOfTotal(topCounterparties[0]?.total_amount ?? 0, grossOpenAmount),
        concentration_top_contract_pct: percentageOfTotal(topContracts[0]?.total_amount ?? 0, grossOpenAmount),
+        age_signal: ageSignal,
        inference_basis: "open_contracts_confirmed_1c_balance_rows"
    };
 }
@@ -2335,6 +2444,12 @@ function buildBusinessOverviewConfirmedFacts(derived) {
            ? ` Крупнейший открытый договор: ${leader.contract}${leader.counterparty ? ` / ${leader.counterparty}` : ""} — ${leader.total_amount_human_ru}${leaderShareText}.`
            : "";
        facts.push(`Качество открытых расчетов на ${quality.as_of_date} проверено по договорным остаткам 60/62/76: брутто ${quality.gross_open_amount_human_ru}, договоров ${quality.unique_contracts}, контрагентов ${quality.unique_counterparties}.${leaderText}`);
+        if (quality.age_signal?.oldest_start_date) {
+            const ageText = quality.age_signal.max_age_days === null
+                ? ""
+                : `, максимальный возраст сигнала ${quality.age_signal.max_age_days} дн.`;
+            facts.push(`Возрастной сигнал открытых расчетов подтвержден по датам договоров: самая ранняя дата договора ${quality.age_signal.oldest_start_date}${ageText}. Это не договорная просрочка и не due-date анализ.`);
+        }
    }
    if (derived.inventory_position) {
        const leader = derived.inventory_position.top_items[0];
@@ -3318,6 +3433,9 @@ async function executeAssistantMcpDiscoveryPilot(planner, deps = DEFAULT_DEPS) {
            }
            if (derivedBusinessOverview.debt_open_settlement_quality) {
                pushReason(reasonCodes, "pilot_derived_business_overview_open_settlement_quality_from_confirmed_rows");
+                if (derivedBusinessOverview.debt_open_settlement_quality.age_signal) {
+                    pushReason(reasonCodes, "pilot_derived_business_overview_debt_age_signal_from_contract_dates");
+                }
            }
            if (derivedBusinessOverview.inventory_position) {
                pushReason(reasonCodes, "pilot_derived_business_overview_inventory_position_from_confirmed_rows");
@@ -455,6 +455,9 @@ function headlineFor(mode: AssistantMcpDiscoveryAnswerMode, pilot: AssistantMcpD
    }
    if (overview.debt_open_settlement_quality) {
      families.push("качество открытых расчетов");
+      if (overview.debt_open_settlement_quality.age_signal) {
+        families.push("возрастной сигнал открытых расчетов");
+      }
    }
    if (overview.inventory_position) {
      families.push("складской срез на дату");
@@ -1020,6 +1023,14 @@ function derivedBusinessOverviewConfirmedLines(pilot: AssistantMcpDiscoveryPilot
    lines.push(
      `Качество открытых расчетов на ${quality.as_of_date}: брутто открытых договорных остатков ${quality.gross_open_amount_human_ru}, договоров ${quality.unique_contracts}, контрагентов ${quality.unique_counterparties}.${topContractText}`
    );
+    if (quality.age_signal?.oldest_start_date) {
+      const ageText = quality.age_signal.max_age_days === null
+        ? ""
+        : `, максимальный возраст сигнала ${quality.age_signal.max_age_days} дн.`;
+      lines.push(
+        `Возрастной сигнал открытых расчетов: самая ранняя найденная дата договора ${quality.age_signal.oldest_start_date}${ageText}. Это не просрочка и не due-date анализ.`
+      );
+    }
  }
  if (overview.inventory_position) {
    const leader = overview.inventory_position.top_items[0];
@@ -1111,6 +1122,9 @@ export function buildAssistantMcpDiscoveryAnswerDraft(
  }
  if (pilot.derived_business_overview?.debt_open_settlement_quality) {
    pushReason(reasonCodes, "answer_contains_business_overview_open_settlement_quality");
+    if (pilot.derived_business_overview.debt_open_settlement_quality.age_signal) {
+      pushReason(reasonCodes, "answer_contains_business_overview_debt_age_signal");
+    }
  }
  if (pilot.derived_business_overview?.inventory_position) {
    pushReason(reasonCodes, "answer_contains_business_overview_inventory_position");
@@ -201,12 +201,32 @@ export interface AssistantMcpDiscoveryDerivedBusinessOverviewDebtPosition {
 export interface AssistantMcpDiscoveryBusinessOverviewDebtOpenContractBucket {
  contract: string;
  counterparty: string | null;
+  contract_start_date: string | null;
  rows_with_amount: number;
  total_amount: number;
  total_amount_human_ru: string;
  share_of_gross_open_amount_pct: number | null;
 }

+export interface AssistantMcpDiscoveryBusinessOverviewDebtAgeContractBucket {
+  contract: string;
+  counterparty: string | null;
+  start_date: string;
+  age_days: number | null;
+  total_amount: number;
+  total_amount_human_ru: string;
+  share_of_gross_open_amount_pct: number | null;
+}
+
+export interface AssistantMcpDiscoveryBusinessOverviewDebtAgeSignal {
+  contracts_with_start_date: number;
+  oldest_start_date: string | null;
+  latest_start_date: string | null;
+  max_age_days: number | null;
+  top_aged_contracts: AssistantMcpDiscoveryBusinessOverviewDebtAgeContractBucket[];
+  inference_basis: "contract_dates_from_open_settlement_rows";
+}
+
 export interface AssistantMcpDiscoveryDerivedBusinessOverviewDebtOpenSettlementQuality {
  as_of_date: string;
  rows_matched: number;
@@ -221,6 +241,7 @@ export interface AssistantMcpDiscoveryDerivedBusinessOverviewDebtOpenSettlementQ
  top_contracts: AssistantMcpDiscoveryBusinessOverviewDebtOpenContractBucket[];
  concentration_top_counterparty_pct: number | null;
  concentration_top_contract_pct: number | null;
+  age_signal: AssistantMcpDiscoveryBusinessOverviewDebtAgeSignal | null;
  inference_basis: "open_contracts_confirmed_1c_balance_rows";
 }

@@ -2160,6 +2181,72 @@ function rowCounterpartyValue(row: Record<string, unknown>): string | null {
  return rowAnalyticsTextValues(row).find(isLikelyCounterpartyToken) ?? null;
 }

+function normalizeDateParts(yearText: string, monthText: string, dayText: string): string | null {
+  const year = Number(yearText);
+  const month = Number(monthText);
+  const day = Number(dayText);
+  if (!Number.isInteger(year) || !Number.isInteger(month) || !Number.isInteger(day)) {
+    return null;
+  }
+  if (year < 1900 || year > 2100 || month < 1 || month > 12 || day < 1 || day > 31) {
+    return null;
+  }
+  const date = new Date(Date.UTC(year, month - 1, day));
+  if (
+    date.getUTCFullYear() !== year ||
+    date.getUTCMonth() !== month - 1 ||
+    date.getUTCDate() !== day
+  ) {
+    return null;
+  }
+  return [
+    String(year).padStart(4, "0"),
+    String(month).padStart(2, "0"),
+    String(day).padStart(2, "0")
+  ].join("-");
+}
+
+function extractContractDateFromText(value: string | null): string | null {
+  const text = toNonEmptyString(value);
+  if (!text || !/(?:договор|contract|дог\.)/iu.test(text)) {
+    return null;
+  }
+  const isoLikeMatch = text.match(/(\d{4})[-./](\d{1,2})[-./](\d{1,2})/);
+  if (isoLikeMatch) {
+    return normalizeDateParts(isoLikeMatch[1], isoLikeMatch[2], isoLikeMatch[3]);
+  }
+  const ruDateMatch = text.match(/(\d{1,2})[./-](\d{1,2})[./-](\d{4})/);
+  if (ruDateMatch) {
+    return normalizeDateParts(ruDateMatch[3], ruDateMatch[2], ruDateMatch[1]);
+  }
+  return null;
+}
+
+function earlierIsoDate(left: string | null, right: string | null): string | null {
+  if (!left) {
+    return right;
+  }
+  if (!right) {
+    return left;
+  }
+  return right < left ? right : left;
+}
+
+function rowOpenSettlementContractStartDateValue(row: Record<string, unknown>): string | null {
+  const candidates = [
+    rowContractValue(row),
+    rowDocumentValue(row),
+    ...rowAnalyticsTextValues(row)
+  ];
+  for (const candidate of candidates) {
+    const contractDate = extractContractDateFromText(candidate);
+    if (contractDate) {
+      return contractDate;
+    }
+  }
+  return null;
+}
+
 function monthBucketFromIsoDate(isoDate: string | null): string | null {
  const match = isoDate?.match(/^(\d{4})-(\d{2})-\d{2}$/);
  return match ? `${match[1]}-${match[2]}` : null;
@@ -2685,10 +2772,11 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
    return null;
  }

+  const debtAsOfDate = input.debtAsOfDate;
  const counterpartyBuckets = new Map<string, { rows_with_amount: number; total_amount: number }>();
  const contractBuckets = new Map<
    string,
-    { counterparty: string | null; rows_with_amount: number; total_amount: number }
+    { counterparty: string | null; contract_start_date: string | null; rows_with_amount: number; total_amount: number }
  >();
  const counterparties = new Set<string>();
  const contracts = new Set<string>();
@@ -2722,15 +2810,18 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
    }

    if (contract) {
+      const contractStartDate = rowOpenSettlementContractStartDateValue(row);
      contracts.add(contract);
      const current = contractBuckets.get(contract) ?? {
        counterparty,
+        contract_start_date: contractStartDate,
        rows_with_amount: 0,
        total_amount: 0
      };
      if (!current.counterparty && counterparty) {
        current.counterparty = counterparty;
      }
+      current.contract_start_date = earlierIsoDate(current.contract_start_date, contractStartDate);
      current.rows_with_amount += 1;
      current.total_amount += absAmount;
      contractBuckets.set(contract, current);
@@ -2760,6 +2851,7 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
    .map(([contract, bucket]) => ({
      contract,
      counterparty: bucket.counterparty,
+      contract_start_date: bucket.contract_start_date,
      rows_with_amount: bucket.rows_with_amount,
      total_amount: bucket.total_amount,
      total_amount_human_ru: formatAmountHumanRu(bucket.total_amount),
@@ -2771,8 +2863,52 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
    })
    .slice(0, 5);

+  const agedContractBuckets = Array.from(contractBuckets.entries())
+    .map(([contract, bucket]): AssistantMcpDiscoveryBusinessOverviewDebtAgeContractBucket | null => {
+      if (!bucket.contract_start_date) {
+        return null;
+      }
+      return {
+        contract,
+        counterparty: bucket.counterparty,
+        start_date: bucket.contract_start_date,
+        age_days: daysBetweenIsoDates(bucket.contract_start_date, debtAsOfDate),
+        total_amount: bucket.total_amount,
+        total_amount_human_ru: formatAmountHumanRu(bucket.total_amount),
+        share_of_gross_open_amount_pct: percentageOfTotal(bucket.total_amount, grossOpenAmount)
+      };
+    })
+    .filter((item): item is AssistantMcpDiscoveryBusinessOverviewDebtAgeContractBucket => Boolean(item))
+    .sort((left, right) => {
+      const leftAge = left.age_days ?? -1;
+      const rightAge = right.age_days ?? -1;
+      const ageDelta = rightAge - leftAge;
+      if (ageDelta !== 0) {
+        return ageDelta;
+      }
+      const amountDelta = right.total_amount - left.total_amount;
+      return amountDelta !== 0 ? amountDelta : left.contract.localeCompare(right.contract, "ru");
+    });
+  const debtAgeDates = agedContractBuckets.map((bucket) => bucket.start_date).sort();
+  const maxAgeDays = agedContractBuckets.reduce<number | null>((max, bucket) => {
+    if (bucket.age_days === null) {
+      return max;
+    }
+    return max === null ? bucket.age_days : Math.max(max, bucket.age_days);
+  }, null);
+  const ageSignal: AssistantMcpDiscoveryBusinessOverviewDebtAgeSignal | null = agedContractBuckets.length > 0
+    ? {
+        contracts_with_start_date: agedContractBuckets.length,
+        oldest_start_date: debtAgeDates[0] ?? null,
+        latest_start_date: debtAgeDates[debtAgeDates.length - 1] ?? null,
+        max_age_days: maxAgeDays,
+        top_aged_contracts: agedContractBuckets.slice(0, 5),
+        inference_basis: "contract_dates_from_open_settlement_rows"
+      }
+    : null;
+
  return {
-    as_of_date: input.debtAsOfDate,
+    as_of_date: debtAsOfDate,
    rows_matched: input.openContractsResult.matched_rows,
    rows_with_amount: rowsWithAmount,
    gross_open_amount: grossOpenAmount,
@@ -2785,6 +2921,7 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
    top_contracts: topContracts,
    concentration_top_counterparty_pct: percentageOfTotal(topCounterparties[0]?.total_amount ?? 0, grossOpenAmount),
    concentration_top_contract_pct: percentageOfTotal(topContracts[0]?.total_amount ?? 0, grossOpenAmount),
+    age_signal: ageSignal,
    inference_basis: "open_contracts_confirmed_1c_balance_rows"
  };
 }
@@ -3114,6 +3251,14 @@ function buildBusinessOverviewConfirmedFacts(derived: AssistantMcpDiscoveryDeriv
    facts.push(
      `Качество открытых расчетов на ${quality.as_of_date} проверено по договорным остаткам 60/62/76: брутто ${quality.gross_open_amount_human_ru}, договоров ${quality.unique_contracts}, контрагентов ${quality.unique_counterparties}.${leaderText}`
    );
+    if (quality.age_signal?.oldest_start_date) {
+      const ageText = quality.age_signal.max_age_days === null
+        ? ""
+        : `, максимальный возраст сигнала ${quality.age_signal.max_age_days} дн.`;
+      facts.push(
+        `Возрастной сигнал открытых расчетов подтвержден по датам договоров: самая ранняя дата договора ${quality.age_signal.oldest_start_date}${ageText}. Это не договорная просрочка и не due-date анализ.`
+      );
+    }
  }
  if (derived.inventory_position) {
    const leader = derived.inventory_position.top_items[0];
@@ -4225,6 +4370,9 @@ export async function executeAssistantMcpDiscoveryPilot(
      }
      if (derivedBusinessOverview.debt_open_settlement_quality) {
        pushReason(reasonCodes, "pilot_derived_business_overview_open_settlement_quality_from_confirmed_rows");
+        if (derivedBusinessOverview.debt_open_settlement_quality.age_signal) {
+          pushReason(reasonCodes, "pilot_derived_business_overview_debt_age_signal_from_contract_dates");
+        }
      }
      if (derivedBusinessOverview.inventory_position) {
        pushReason(reasonCodes, "pilot_derived_business_overview_inventory_position_from_confirmed_rows");
@@ -361,8 +361,8 @@ describe("assistant MCP discovery answer adapter", () => {
        },
        {
          rows: [
-            { Period: "2020-12-31T00:00:00", Amount: 100000, Counterparty: "Клиент А", Contract: "Договор А" },
-            { Period: "2020-12-31T00:00:00", Amount: 50000, Counterparty: "Поставщик А", Contract: "Договор Б" }
+            { Period: "2020-12-31T00:00:00", Amount: 100000, Counterparty: "Клиент А", Contract: "Договор А от 10.02.2019" },
+            { Period: "2020-12-31T00:00:00", Amount: 50000, Counterparty: "Поставщик А", Contract: "Договор Б от 15.03.2020" }
          ]
        },
        { rows: [] },
@@ -380,12 +380,16 @@ describe("assistant MCP discovery answer adapter", () => {

    expect(draft.headline).toContain("долговой срез");
    expect(draft.headline).toContain("качество открытых расчетов");
+    expect(draft.headline).toContain("возрастной сигнал открытых расчетов");
    expect(draft.confirmed_lines.join("\n")).toContain("Долговой срез на 2020-12-31");
    expect(draft.confirmed_lines.join("\n")).toContain("Качество открытых расчетов на 2020-12-31");
+    expect(draft.confirmed_lines.join("\n")).toContain("Возрастной сигнал открытых расчетов");
+    expect(draft.confirmed_lines.join("\n")).toContain("не due-date анализ");
    expect(draft.confirmed_lines.join("\n")).toContain("нетто");
    expect(draft.unknown_lines.join("\n")).toContain("due-date");
    expect(draft.reason_codes).toContain("answer_contains_business_overview_debt_position");
    expect(draft.reason_codes).toContain("answer_contains_business_overview_open_settlement_quality");
+    expect(draft.reason_codes).toContain("answer_contains_business_overview_debt_age_signal");
    expect(draft.must_not_claim).toContain("Do not present a debt-position snapshot as debt aging, overdue debt, or credit-quality analysis.");
    expect(draft.must_not_claim).toContain("Do not present open-settlement concentration as contractual due-date aging or confirmed overdue debt.");
  });
@@ -326,8 +326,8 @@ describe("assistant MCP discovery pilot executor", () => {
      },
      {
        rows: [
-          { Period: "2020-12-31T00:00:00", Amount: 90000, Counterparty: "Клиент А", Contract: "Договор А" },
-          { Period: "2020-12-31T00:00:00", Amount: 30000, Counterparty: "Клиент Б", Contract: "Договор Б" }
+          { Period: "2020-12-31T00:00:00", Amount: 90000, Counterparty: "Клиент А", Contract: "Договор А от 10.02.2019" },
+          { Period: "2020-12-31T00:00:00", Amount: 30000, Counterparty: "Клиент Б", Contract: "Договор Б от 15.03.2020" }
        ]
      },
      { rows: [] },
@@ -368,16 +368,31 @@ describe("assistant MCP discovery pilot executor", () => {
      unique_contracts: 2,
      concentration_top_contract_pct: 75
    });
+    expect(result.derived_business_overview?.debt_open_settlement_quality?.age_signal).toMatchObject({
+      contracts_with_start_date: 2,
+      oldest_start_date: "2019-02-10",
+      latest_start_date: "2020-03-15",
+      max_age_days: 690
+    });
+    expect(result.derived_business_overview?.debt_open_settlement_quality?.age_signal?.top_aged_contracts[0]).toMatchObject({
+      contract: "Договор А от 10.02.2019",
+      start_date: "2019-02-10",
+      age_days: 690,
+      total_amount: 90000
+    });
    expect(result.derived_business_overview?.missing_signal_families).not.toContain("debt_position");
    expect(result.derived_business_overview?.missing_signal_families).not.toContain("debt_open_settlement_quality");
    expect(result.derived_business_overview?.missing_signal_families).toContain("debt_due_date_aging_quality");
    expect(result.evidence.confirmed_facts.join("\n")).toContain("Долговая позиция на 2020-12-31");
    expect(result.evidence.confirmed_facts.join("\n")).toContain("Качество открытых расчетов на 2020-12-31");
+    expect(result.evidence.confirmed_facts.join("\n")).toContain("Возрастной сигнал открытых расчетов");
+    expect(result.evidence.confirmed_facts.join("\n")).toContain("не due-date анализ");
    expect(result.evidence.unknown_facts.join("\n")).toContain("due-date");
    expect(result.reason_codes).toContain("pilot_business_overview_debt_query_mcp_executed");
    expect(result.reason_codes).toContain("pilot_derived_business_overview_debt_position_from_confirmed_rows");
    expect(result.reason_codes).toContain("pilot_business_overview_open_contracts_query_mcp_executed");
    expect(result.reason_codes).toContain("pilot_derived_business_overview_open_settlement_quality_from_confirmed_rows");
+    expect(result.reason_codes).toContain("pilot_derived_business_overview_debt_age_signal_from_contract_dates");
    expect(deps.executeAddressMcpQuery).toHaveBeenCalledTimes(9);
    const receivablesCall = deps.executeAddressMcpQuery.mock.calls[3]?.[0];
    const payablesCall = deps.executeAddressMcpQuery.mock.calls[4]?.[0];