From cd22164f3364fd538f45b348ed191e9caaaca3c9 Mon Sep 17 00:00:00 2001
From: dctouch <support@dctouch.ru>
Date: Mon, 4 May 2026 11:08:20 +0300
Subject: [PATCH] =?UTF-8?q?Open-World:=20=D0=B4=D0=BE=D0=B1=D0=B0=D0=B2?=
 =?UTF-8?q?=D0=B8=D1=82=D1=8C=20debt=20staleness=20risk=20proxy=20=D0=B2?=
 =?UTF-8?q?=20=D0=B1=D0=B8=D0=B7=D0=BD=D0=B5=D1=81-=D0=BE=D0=B1=D0=B7?=
 =?UTF-8?q?=D0=BE=D1=80?=
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Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 .../21 - current_status_canon_2026-05-01.md   |  5 +-
 ...rld_bounded_autonomy_breadth_2026-05-01.md | 30 +++++-
 .../11 - architecture_turnaround/README.md    |  6 +-
 .../assistantMcpDiscoveryAnswerAdapter.js     | 34 ++++++-
 .../assistantMcpDiscoveryPilotExecutor.js     | 66 +++++++++++++
 .../assistantMcpDiscoveryAnswerAdapter.ts     | 43 +++++++-
 .../assistantMcpDiscoveryPilotExecutor.ts     | 97 +++++++++++++++++++
 ...assistantMcpDiscoveryAnswerAdapter.test.ts |  8 ++
 ...assistantMcpDiscoveryPilotExecutor.test.ts | 11 +++
 9 files changed, 293 insertions(+), 7 deletions(-)

diff --git a/docs/ARCH/11 - architecture_turnaround/21 - current_status_canon_2026-05-01.md b/docs/ARCH/11 - architecture_turnaround/21 - current_status_canon_2026-05-01.md
index bc66086..29be450 100644
--- a/docs/ARCH/11 - architecture_turnaround/21 - current_status_canon_2026-05-01.md	
+++ b/docs/ARCH/11 - architecture_turnaround/21 - current_status_canon_2026-05-01.md	
@@ -28,8 +28,9 @@ If another document says `78%`, `87%`, `92%`, or `85%` for a module that is now
 - Completed active slice: `Business Overview Inventory Sales Velocity Proxy Bridge`: when explicit-period stock and товарные sales evidence are both present, business overview can include a bounded sales-to-stock proxy while full FIFO turnover/liquidity remains unclaimed.
 - Completed active slice: `Business Overview Inventory Staleness Risk Proxy Bridge`: when current-turn stock aging and sales-to-stock evidence are both present, business overview can include a bounded warehouse staleness-risk proxy while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed.
 - Completed active slice: `Business Overview Gap-Specific Headline And Next-Step Precision`: broad company-analysis answers now name the remaining unchecked families from `missing_signal_families` instead of using stale generic profit/debt/VAT/warehouse wording after partial proxies are proven.
+- Completed active slice: `Business Overview Debt Staleness Risk Proxy Bridge`: when current-turn open-settlement concentration and contract-date age are both present, business overview can include a bounded debt staleness-risk proxy while contractual delinquency, credit risk, and due-date aging remain unclaimed.
 - Next active slice: continue breadth into exact company-wide accounting profit/margin, real due-date debt aging, confirmed inventory reserve/write-off/liquidation evidence, and broader unfamiliar 1C route families only where reviewed evidence routes exist.
-- Active module progress: `~84% (Open-World Bounded Autonomy Breadth)`.
+- Active module progress: `~86% (Open-World Bounded Autonomy Breadth)`.
 
 ## Reporting Rule
 
@@ -66,7 +67,7 @@ The project is not yet a universal arbitrary-1C agent.
 
 Remaining work belongs to the next breadth module:
 
-- extend `business_overview` beyond money-flow/activity, explicit-period VAT/tax, as-of-date debt position, open-settlement concentration, contract-date debt age, as-of-date inventory position, trading-margin proxy, sales-to-stock inventory proxy, and warehouse staleness-risk proxy into separately proven exact accounting profit/margin, due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence families;
+- extend `business_overview` beyond money-flow/activity, explicit-period VAT/tax, as-of-date debt position, open-settlement concentration, contract-date debt age, debt staleness-risk proxy, as-of-date inventory position, trading-margin proxy, sales-to-stock inventory proxy, and warehouse staleness-risk proxy into separately proven exact accounting profit/margin, due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence families;
 - broader dynamic schema traversal for unfamiliar 1C asks;
 - more primitive descriptors where live evidence proves a real gap;
 - more replay-backed domain packs that start from user business meaning, not from route convenience;
diff --git a/docs/ARCH/11 - architecture_turnaround/22 - open_world_bounded_autonomy_breadth_2026-05-01.md b/docs/ARCH/11 - architecture_turnaround/22 - open_world_bounded_autonomy_breadth_2026-05-01.md
index 3960559..d924e86 100644
--- a/docs/ARCH/11 - architecture_turnaround/22 - open_world_bounded_autonomy_breadth_2026-05-01.md	
+++ b/docs/ARCH/11 - architecture_turnaround/22 - open_world_bounded_autonomy_breadth_2026-05-01.md	
@@ -276,7 +276,7 @@ Grow this bridge beyond the first confirmed signal bundle:
 
 - add separate evidence families for exact company-wide accounting profit/margin and due-date debt aging/overdue quality where reviewed closing-cost and due-date/payment-term routes exist;
 - extend inventory evidence beyond stock position, sales-to-stock proxy, and purchase-date staleness risk proxy into full FIFO turnover, confirmed obsolete-stock/liquidity, reserves, write-offs, or liquidation value only when reviewed evidence exists;
-- upgrade debt evidence from as-of-date position/open-settlement concentration/contract-date age into overdue aging only when reviewed due-date or payment-term aging evidence exists;
+- upgrade debt evidence beyond as-of-date position, open-settlement concentration, contract-date age, and debt staleness risk proxy into overdue aging only when reviewed due-date or payment-term aging evidence exists;
 - extend VAT/tax beyond explicit-period tax position only when the requested tax fact is provable and the period is explicit;
 - keep Post-F stale-scope and phase83 catalog-alignment canaries green while widening the route.
 
@@ -376,6 +376,8 @@ Business-overview inventory sales velocity proxy validation:
 - `npm.cmd test -- addressQueryRuntimeM23.test.ts`: passed `412`.
 - `npm.cmd run build`: passed.
 
+Graphify rebuild after Slice 15 code/doc sync: `6040 nodes`, `13158 edges`, `135 communities`.
+
 Graphify rebuild after Slice 12 code/doc sync: `6030 nodes`, `13136 edges`, `137 communities`.
 
 ## Slice 12 - Business Overview Inventory Sales Velocity Proxy Bridge
@@ -452,3 +454,29 @@ Local validation is accepted for this slice:
 - `npm.cmd run build`: passed.
 
 Graphify rebuild after Slice 14 code/doc sync: `6036 nodes`, `13149 edges`, `134 communities`.
+
+## Slice 15 - Business Overview Debt Staleness Risk Proxy Bridge
+
+This slice adds a bounded management risk signal for open settlements without crossing into contractual delinquency.
+
+It uses only already reviewed current-turn evidence:
+
+- open-contract balance rows on 60/62/76;
+- contract-date age extracted from those open-settlement rows;
+- concentration of the oldest large open contract inside gross open balances.
+
+Implemented now:
+
+- the pilot derives `debt_staleness_risk_proxy` only when open-settlement quality and contract-date age are both present in the current business-overview turn;
+- the proxy reports as-of date, gross open amount, oldest contract start date, max contract age, oldest large contract, its counterparty, amount, share of gross open balances, and a bounded risk band: `lower_visible_risk`, `watch`, `elevated`, or `high`;
+- the answer adapter surfaces this as `staleness risk proxy открытых расчетов`, explicitly not as confirmed overdue debt, contractual delinquency, credit risk, or due-date aging;
+- the headline narrows the remaining debt gap to `договорные сроки оплаты/due-date просрочка` when this proxy exists;
+- M23 stayed green, including open-contract, stale-contract, VAT-after-contract, and follow-up carryover tests.
+
+This is the debt-side counterpart to the inventory staleness proxy: it gives a useful analyst warning when old contract-date signals and concentration are visible, but it still leaves true due-date/payment-term aging as pending reviewed route work.
+
+Local validation is accepted for this slice:
+
+- `npm.cmd test -- assistantMcpDiscoveryPilotExecutor.test.ts assistantMcpDiscoveryAnswerAdapter.test.ts`: passed `66` with `1` skipped.
+- `npm.cmd test -- addressQueryRuntimeM23.test.ts`: passed `412`.
+- `npm.cmd run build`: passed.
diff --git a/docs/ARCH/11 - architecture_turnaround/README.md b/docs/ARCH/11 - architecture_turnaround/README.md
index 9266324..bdf0404 100644
--- a/docs/ARCH/11 - architecture_turnaround/README.md	
+++ b/docs/ARCH/11 - architecture_turnaround/README.md	
@@ -63,6 +63,7 @@ Status canon for planning:
 - The current completed breadth slice is `Business Overview Inventory Sales Velocity Proxy Bridge`: when explicit-period stock and sales evidence are both present, company analysis can include a bounded sales-to-stock proxy while full FIFO/liquidity/obsolescence remains unclaimed.
 - The current completed breadth slice is `Business Overview Inventory Staleness Risk Proxy Bridge`: when current-turn stock aging and sales-to-stock evidence are both present, company analysis can include a bounded staleness-risk proxy while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed.
 - The current completed breadth slice is `Business Overview Gap-Specific Headline And Next-Step Precision`: business-overview answers now name remaining unchecked families from `missing_signal_families` instead of falling back to stale generic gap wording.
+- The current completed breadth slice is `Business Overview Debt Staleness Risk Proxy Bridge`: when current-turn open-settlement concentration and contract-date age are both present, company analysis can include a bounded debt staleness-risk proxy while confirmed overdue debt, contractual delinquency, credit risk, and due-date aging remain unclaimed.
 - The next active breadth slice continues breadth into exact company-wide accounting profit/margin, real due-date debt aging, confirmed reserve/write-off/liquidation inventory evidence, and broader unfamiliar 1C route families without relaxing truth boundaries.
 - The short source of truth for status wording is [21 - current_status_canon_2026-05-01.md](./21%20-%20current_status_canon_2026-05-01.md).
 
@@ -128,11 +129,11 @@ Current honest status:
 - pre-multidomain readiness: `~90%`
 - bounded-autonomy foundation readiness: `~89%`
 - open-world bounded-autonomy readiness: `~87%`
-- active Open-World Bounded Autonomy Breadth progress: `~84%`, with business-overview evidence fusion, the reviewed `business_overview` catalog/data-need/planner route-fabric slice, the fresh multi-probe runtime bridge, the explicit-period VAT/tax fact-family bridge, the explicit-period debt-position bridge, the explicit-date inventory-position bridge, the open-settlement quality bridge accepted by live semantic replay, selected-item profitability bridged by local semantic/runtime regression tests, contract-date debt age bridged locally, analyst synthesis added to business-overview answer drafting, company-period trading margin proxy bridged locally, inventory sales-to-stock proxy bridged locally, inventory staleness-risk proxy bridged locally, and gap-specific answer shaping bridged locally; exact accounting profit/margin, true due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence are still pending
+- active Open-World Bounded Autonomy Breadth progress: `~86%`, with business-overview evidence fusion, the reviewed `business_overview` catalog/data-need/planner route-fabric slice, the fresh multi-probe runtime bridge, the explicit-period VAT/tax fact-family bridge, the explicit-period debt-position bridge, the explicit-date inventory-position bridge, the open-settlement quality bridge accepted by live semantic replay, selected-item profitability bridged by local semantic/runtime regression tests, contract-date debt age bridged locally, debt staleness-risk proxy bridged locally, analyst synthesis added to business-overview answer drafting, company-period trading margin proxy bridged locally, inventory sales-to-stock proxy bridged locally, inventory staleness-risk proxy bridged locally, and gap-specific answer shaping bridged locally; exact accounting profit/margin, true due-date debt aging/overdue, and confirmed reserve/write-off/liquidation inventory evidence are still pending
 - Post-F semantic integrity module progress: `~99%` operationally closed, with remaining risk now treated as next-slice discovery rather than an open blocker inside the closed slice
 - active inventory-stock breadth slice progress: `100%` for the declared scenario pack, not for arbitrary inventory questions
 - Planner Autonomy Consolidation progress: `100%` for the declared module, with catalog-fabric, value-flow arbitration, lifecycle bounded inference, broad-evaluation bridge, inventory catalog templates, inventory runtime-boundary honesty, exact inventory recipe bridging, unambiguous metadata-surface lane inference, catalog chain-template scoring, structured chain-match contract exposure, runtime/debug propagation, subject-aware bidirectional comparison arbitration, structured catalog-alignment verdicts, representative alignment regression guard, catalog-alignment reason-code telemetry, explicit `alignment_status` propagation, truth-harness/acceptance-matrix surfacing, soft divergence warning, `catalog_alignment_ok` acceptance invariant, step-level expected catalog-alignment assertions, phase66 and phase32 spec alignment expectations, AGENT source-catalog surfacing, generated phase83 mixed planner-brain replay spec, checked-source user-facing error sanitation, surface-grounded catalog promotion, and guarded live phase83 acceptance validated. Broader unfamiliar 1C asks are now next-module breadth work rather than an open blocker inside this declared slice
-- graph snapshot after latest rebuild: `6036 nodes`, `13149 edges`, `134 communities`
+- graph snapshot after latest rebuild: `6040 nodes`, `13158 edges`, `135 communities`
 - current regression-gate breakpoint:
   - the validated hot paths are no longer structurally broken;
   - flagship continuity collapse is no longer the primary risk;
@@ -183,6 +184,7 @@ Latest live proof now includes:
 - business-overview analyst synthesis accepted locally: answer-adapter slice passed `34/34` with `1` skipped; full MCP-discovery slice passed `305/305` with `9` skipped; build passed; graphify rebuilt to `6023 nodes`, `13112 edges`, `136 communities`; broad company-analysis drafts now include operating scale, customer concentration, risk contours, and bounded LLM-audit inference lines
 - business-overview inventory staleness-risk proxy accepted locally: targeted executor/answer-adapter slice passed `66/66` with `1` skipped; M23 route/runtime regression passed `412/412`; build passed; graphify rebuilt to `6034 nodes`, `13145 edges`, `136 communities`; the proxy combines stock aging and sales-to-stock ratio while confirmed obsolete stock, reserves, write-offs, and liquidation value remain unclaimed
 - business-overview gap-specific answer shaping accepted locally: answer-adapter slice passed `34/34` with `1` skipped; build passed; graphify rebuilt to `6036 nodes`, `13149 edges`, `134 communities`; headline and next-step wording now follow `missing_signal_families` instead of stale generic gap labels
+- business-overview debt staleness-risk proxy accepted locally: targeted executor/answer-adapter slice passed `66/66` with `1` skipped; M23 route/runtime regression passed `412/412`; build passed; graphify rebuilt to `6040 nodes`, `13158 edges`, `135 communities`; the proxy combines contract-date age and open-balance concentration while confirmed overdue debt, contractual delinquency, credit risk, and due-date aging remain unclaimed
 - inventory template lift accepted locally: catalog/data-need/planner/turn-input slice passed `139/139` with `6` skipped; full MCP-discovery slice passed `276/276` with `9` skipped; build passed; graphify stayed at `5912 nodes`, `12833 edges`, `138 communities`
 - inventory runtime-boundary hardening accepted locally: runtime-bridge/answer-adapter/pilot-executor slice passed `68/68` with `1` skipped; full MCP-discovery slice passed `277/277` with `9` skipped; build passed; graphify rebuilt to `5913 nodes`, `12837 edges`, `138 communities`
 - inventory exact-runtime bridge accepted locally: runtime-bridge/answer-adapter/pilot-executor slice passed `70/70` with `1` skipped; full MCP-discovery slice passed `279/279` with `9` skipped; build passed; graphify rebuilt to `5930 nodes`, `12884 edges`, `135 communities`
diff --git a/llm_normalizer/backend/dist/services/assistantMcpDiscoveryAnswerAdapter.js b/llm_normalizer/backend/dist/services/assistantMcpDiscoveryAnswerAdapter.js
index 1b42418..d6ff596 100644
--- a/llm_normalizer/backend/dist/services/assistantMcpDiscoveryAnswerAdapter.js
+++ b/llm_normalizer/backend/dist/services/assistantMcpDiscoveryAnswerAdapter.js
@@ -411,6 +411,9 @@ function headlineFor(mode, pilot) {
                 families.push("возрастной сигнал открытых расчетов");
             }
         }
+        if (overview.debt_staleness_risk_proxy) {
+            families.push("staleness risk proxy открытых расчетов");
+        }
         if (overview.inventory_position) {
             families.push("складской срез на дату");
         }
@@ -427,7 +430,11 @@ function headlineFor(mode, pilot) {
         if (!overview.debt_position) {
             unknownFamilies.push("долговой срез");
         }
-        unknownFamilies.push(overview.debt_open_settlement_quality ? "due-date просрочка" : "качество открытых расчетов");
+        unknownFamilies.push(overview.debt_staleness_risk_proxy
+            ? "договорные сроки оплаты/due-date просрочка"
+            : overview.debt_open_settlement_quality
+                ? "due-date просрочка"
+                : "качество открытых расчетов");
         unknownFamilies.push(businessOverviewInventoryUnknownLabel(overview));
         return `По данным 1С собран ограниченный бизнес-обзор: ${families.join(", ")} подтверждены найденными строками; ${unknownFamilies.join(", ")} остаются отдельными непроверенными областями.`;
     }
@@ -612,6 +619,7 @@ function buildMustNotClaim(pilot) {
         claims.push("Do not claim debt quality, VAT position, inventory health, or company health unless those contours were separately checked.");
         claims.push("Do not present a debt-position snapshot as debt aging, overdue debt, or credit-quality analysis.");
         claims.push("Do not present open-settlement concentration as contractual due-date aging or confirmed overdue debt.");
+        claims.push("Do not present business overview debt staleness risk proxy as confirmed overdue debt, contractual delinquency, credit risk, or due-date aging.");
         claims.push("Do not present an inventory snapshot or purchase-date aging signal as turnover, obsolescence, liquidation value, or full inventory health.");
         claims.push("Do not present business overview inventory turnover proxy as full inventory liquidity, FIFO turnover, obsolescence analysis, or liquidation value.");
         claims.push("Do not present business overview inventory staleness risk proxy as confirmed obsolete stock, reserve, write-off, or liquidation value.");
@@ -912,6 +920,18 @@ function inventoryStalenessRiskBandRu(riskBand) {
     }
     return "низкий видимый риск";
 }
+function debtStalenessRiskBandRu(riskBand) {
+    if (riskBand === "high") {
+        return "высокая зона внимания";
+    }
+    if (riskBand === "elevated") {
+        return "повышенная зона внимания";
+    }
+    if (riskBand === "watch") {
+        return "зона наблюдения";
+    }
+    return "низкий видимый риск";
+}
 function derivedBusinessOverviewConfirmedLines(pilot) {
     const overview = pilot.derived_business_overview;
     if (!overview) {
@@ -968,6 +988,11 @@ function derivedBusinessOverviewConfirmedLines(pilot) {
             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.debt_staleness_risk_proxy) {
+        const proxy = overview.debt_staleness_risk_proxy;
+        const counterpartyText = proxy.top_contract_counterparty ? ` / ${proxy.top_contract_counterparty}` : "";
+        lines.push(`Staleness risk proxy открытых расчетов на ${proxy.as_of_date}: самый старый договорный сигнал ${proxy.oldest_contract_start_date}, возраст ${proxy.max_contract_age_days} дн.; старейший крупный договор ${proxy.top_contract}${counterpartyText} держит ${proxy.top_contract_amount_human_ru} (${proxy.top_contract_share_pct}% брутто открытых остатков); оценка ${debtStalenessRiskBandRu(proxy.risk_band)}. Это не подтвержденная просрочка, не кредитный риск и не due-date aging.`);
+    }
     if (overview.inventory_position) {
         const leader = overview.inventory_position.top_items[0];
         const leaderText = leader
@@ -1050,6 +1075,9 @@ function businessOverviewRiskSynthesisLine(overview) {
     if (overview.debt_open_settlement_quality?.age_signal?.max_age_days !== null && overview.debt_open_settlement_quality?.age_signal?.max_age_days !== undefined) {
         signals.push(`самый старый договорный возрастной сигнал ${overview.debt_open_settlement_quality.age_signal.max_age_days} дн.`);
     }
+    if (overview.debt_staleness_risk_proxy) {
+        signals.push(`staleness risk proxy открытых расчетов: ${debtStalenessRiskBandRu(overview.debt_staleness_risk_proxy.risk_band)}, возраст ${overview.debt_staleness_risk_proxy.max_contract_age_days} дн., концентрация старейшего крупного договора ${overview.debt_staleness_risk_proxy.top_contract_share_pct}%`);
+    }
     if (overview.inventory_position) {
         signals.push(`складской остаток на дату ${overview.inventory_position.total_amount_human_ru}`);
         if (overview.inventory_position.aging_signal?.max_age_days !== null && overview.inventory_position.aging_signal?.max_age_days !== undefined) {
@@ -1075,6 +1103,7 @@ function businessOverviewExecutiveVerdictLine(overview) {
         overview.trading_margin_proxy ||
         overview.debt_position ||
         overview.debt_open_settlement_quality ||
+        overview.debt_staleness_risk_proxy ||
         overview.inventory_position ||
         overview.inventory_turnover_proxy ||
         overview.inventory_staleness_risk_proxy);
@@ -1163,6 +1192,9 @@ function buildAssistantMcpDiscoveryAnswerDraft(pilot) {
             pushReason(reasonCodes, "answer_contains_business_overview_debt_age_signal");
         }
     }
+    if (pilot.derived_business_overview?.debt_staleness_risk_proxy) {
+        pushReason(reasonCodes, "answer_contains_business_overview_debt_staleness_risk_proxy");
+    }
     if (pilot.derived_business_overview?.inventory_position) {
         pushReason(reasonCodes, "answer_contains_business_overview_inventory_position");
     }
diff --git a/llm_normalizer/backend/dist/services/assistantMcpDiscoveryPilotExecutor.js b/llm_normalizer/backend/dist/services/assistantMcpDiscoveryPilotExecutor.js
index 465cd68..6cfc2e4 100644
--- a/llm_normalizer/backend/dist/services/assistantMcpDiscoveryPilotExecutor.js
+++ b/llm_normalizer/backend/dist/services/assistantMcpDiscoveryPilotExecutor.js
@@ -2298,6 +2298,61 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input) {
         inference_basis: "open_contracts_confirmed_1c_balance_rows"
     };
 }
+function debtStalenessRiskBand(input) {
+    if (input.maxContractAgeDays >= 365 && input.topContractSharePct >= 50) {
+        return "high";
+    }
+    if (input.maxContractAgeDays >= 365 || input.topContractSharePct >= 50) {
+        return "elevated";
+    }
+    if (input.maxContractAgeDays >= 180 || input.topContractSharePct >= 35) {
+        return "watch";
+    }
+    return "lower_visible_risk";
+}
+function deriveBusinessOverviewDebtStalenessRiskProxy(quality) {
+    const ageSignal = quality?.age_signal;
+    const topAgedContract = ageSignal?.top_aged_contracts[0];
+    const topContractSharePct = topAgedContract?.share_of_gross_open_amount_pct;
+    if (!quality ||
+        !ageSignal?.oldest_start_date ||
+        ageSignal.max_age_days === null ||
+        ageSignal.max_age_days === undefined ||
+        !topAgedContract ||
+        topContractSharePct === null ||
+        topContractSharePct === undefined) {
+        return null;
+    }
+    return {
+        as_of_date: quality.as_of_date,
+        gross_open_amount: quality.gross_open_amount,
+        gross_open_amount_human_ru: quality.gross_open_amount_human_ru,
+        oldest_contract_start_date: ageSignal.oldest_start_date,
+        max_contract_age_days: ageSignal.max_age_days,
+        top_contract: topAgedContract.contract,
+        top_contract_counterparty: topAgedContract.counterparty,
+        top_contract_amount: topAgedContract.total_amount,
+        top_contract_amount_human_ru: topAgedContract.total_amount_human_ru,
+        top_contract_share_pct: topContractSharePct,
+        risk_band: debtStalenessRiskBand({
+            maxContractAgeDays: ageSignal.max_age_days,
+            topContractSharePct
+        }),
+        inference_basis: "contract_date_age_and_open_balance_concentration_confirmed_1c_rows"
+    };
+}
+function debtStalenessRiskBandRu(riskBand) {
+    if (riskBand === "high") {
+        return "высокая зона внимания";
+    }
+    if (riskBand === "elevated") {
+        return "повышенная зона внимания";
+    }
+    if (riskBand === "watch") {
+        return "зона наблюдения";
+    }
+    return "низкий видимый риск";
+}
 function daysBetweenIsoDates(leftIsoDate, rightIsoDate) {
     const leftMatch = leftIsoDate.match(/^(\d{4})-(\d{2})-(\d{2})$/);
     const rightMatch = rightIsoDate.match(/^(\d{4})-(\d{2})-(\d{2})$/);
@@ -2493,6 +2548,7 @@ function deriveBusinessOverview(input) {
         openContractsResult: input.openContractsResult,
         debtAsOfDate: input.debtAsOfDate
     });
+    const debtStalenessRiskProxy = deriveBusinessOverviewDebtStalenessRiskProxy(debtOpenSettlementQuality);
     const inventoryPosition = deriveBusinessOverviewInventoryPosition({
         inventoryOnHandResult: input.inventoryOnHandResult,
         inventoryAgingResult: input.inventoryAgingResult,
@@ -2514,6 +2570,7 @@ function deriveBusinessOverview(input) {
         Boolean(tradingMarginProxy),
         Boolean(debtPosition),
         Boolean(debtOpenSettlementQuality),
+        Boolean(debtStalenessRiskProxy),
         Boolean(inventoryPosition),
         Boolean(inventoryTurnoverProxy),
         Boolean(inventoryStalenessRiskProxy)
@@ -2536,6 +2593,7 @@ function deriveBusinessOverview(input) {
         trading_margin_proxy: tradingMarginProxy,
         debt_position: debtPosition,
         debt_open_settlement_quality: debtOpenSettlementQuality,
+        debt_staleness_risk_proxy: debtStalenessRiskProxy,
         inventory_position: inventoryPosition,
         inventory_turnover_proxy: inventoryTurnoverProxy,
         inventory_staleness_risk_proxy: inventoryStalenessRiskProxy,
@@ -2660,6 +2718,11 @@ function buildBusinessOverviewConfirmedFacts(derived) {
             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.debt_staleness_risk_proxy) {
+        const proxy = derived.debt_staleness_risk_proxy;
+        const counterpartyText = proxy.top_contract_counterparty ? ` / ${proxy.top_contract_counterparty}` : "";
+        facts.push(`Staleness risk proxy открытых расчетов на ${proxy.as_of_date}: самый старый договорный сигнал ${proxy.oldest_contract_start_date}, возраст ${proxy.max_contract_age_days} дн.; старейший крупный договор ${proxy.top_contract}${counterpartyText} держит ${proxy.top_contract_amount_human_ru} (${proxy.top_contract_share_pct}% брутто открытых остатков); оценка ${debtStalenessRiskBandRu(proxy.risk_band)}. Это не подтвержденная просрочка, не кредитный риск и не due-date aging.`);
+    }
     if (derived.inventory_position) {
         const leader = derived.inventory_position.top_items[0];
         const leaderText = leader
@@ -3704,6 +3767,9 @@ async function executeAssistantMcpDiscoveryPilot(planner, deps = DEFAULT_DEPS) {
                     pushReason(reasonCodes, "pilot_derived_business_overview_debt_age_signal_from_contract_dates");
                 }
             }
+            if (derivedBusinessOverview.debt_staleness_risk_proxy) {
+                pushReason(reasonCodes, "pilot_derived_business_overview_debt_staleness_risk_proxy_from_confirmed_rows");
+            }
             if (derivedBusinessOverview.inventory_position) {
                 pushReason(reasonCodes, "pilot_derived_business_overview_inventory_position_from_confirmed_rows");
             }
diff --git a/llm_normalizer/backend/src/services/assistantMcpDiscoveryAnswerAdapter.ts b/llm_normalizer/backend/src/services/assistantMcpDiscoveryAnswerAdapter.ts
index 5ad8100..0c2ad75 100644
--- a/llm_normalizer/backend/src/services/assistantMcpDiscoveryAnswerAdapter.ts
+++ b/llm_normalizer/backend/src/services/assistantMcpDiscoveryAnswerAdapter.ts
@@ -510,6 +510,9 @@ function headlineFor(mode: AssistantMcpDiscoveryAnswerMode, pilot: AssistantMcpD
         families.push("возрастной сигнал открытых расчетов");
       }
     }
+    if (overview.debt_staleness_risk_proxy) {
+      families.push("staleness risk proxy открытых расчетов");
+    }
     if (overview.inventory_position) {
       families.push("складской срез на дату");
     }
@@ -526,7 +529,13 @@ function headlineFor(mode: AssistantMcpDiscoveryAnswerMode, pilot: AssistantMcpD
     if (!overview.debt_position) {
       unknownFamilies.push("долговой срез");
     }
-    unknownFamilies.push(overview.debt_open_settlement_quality ? "due-date просрочка" : "качество открытых расчетов");
+    unknownFamilies.push(
+      overview.debt_staleness_risk_proxy
+        ? "договорные сроки оплаты/due-date просрочка"
+        : overview.debt_open_settlement_quality
+          ? "due-date просрочка"
+          : "качество открытых расчетов"
+    );
     unknownFamilies.push(businessOverviewInventoryUnknownLabel(overview));
     return `По данным 1С собран ограниченный бизнес-обзор: ${families.join(", ")} подтверждены найденными строками; ${unknownFamilies.join(", ")} остаются отдельными непроверенными областями.`;
   }
@@ -719,6 +728,7 @@ function buildMustNotClaim(pilot: AssistantMcpDiscoveryPilotExecutionContract):
     claims.push("Do not claim debt quality, VAT position, inventory health, or company health unless those contours were separately checked.");
     claims.push("Do not present a debt-position snapshot as debt aging, overdue debt, or credit-quality analysis.");
     claims.push("Do not present open-settlement concentration as contractual due-date aging or confirmed overdue debt.");
+    claims.push("Do not present business overview debt staleness risk proxy as confirmed overdue debt, contractual delinquency, credit risk, or due-date aging.");
     claims.push("Do not present an inventory snapshot or purchase-date aging signal as turnover, obsolescence, liquidation value, or full inventory health.");
     claims.push("Do not present business overview inventory turnover proxy as full inventory liquidity, FIFO turnover, obsolescence analysis, or liquidation value.");
     claims.push("Do not present business overview inventory staleness risk proxy as confirmed obsolete stock, reserve, write-off, or liquidation value.");
@@ -1059,6 +1069,21 @@ function inventoryStalenessRiskBandRu(
   return "низкий видимый риск";
 }
 
+function debtStalenessRiskBandRu(
+  riskBand: NonNullable<BusinessOverview["debt_staleness_risk_proxy"]>["risk_band"]
+): string {
+  if (riskBand === "high") {
+    return "высокая зона внимания";
+  }
+  if (riskBand === "elevated") {
+    return "повышенная зона внимания";
+  }
+  if (riskBand === "watch") {
+    return "зона наблюдения";
+  }
+  return "низкий видимый риск";
+}
+
 function derivedBusinessOverviewConfirmedLines(pilot: AssistantMcpDiscoveryPilotExecutionContract): string[] {
   const overview = pilot.derived_business_overview;
   if (!overview) {
@@ -1133,6 +1158,13 @@ function derivedBusinessOverviewConfirmedLines(pilot: AssistantMcpDiscoveryPilot
       );
     }
   }
+  if (overview.debt_staleness_risk_proxy) {
+    const proxy = overview.debt_staleness_risk_proxy;
+    const counterpartyText = proxy.top_contract_counterparty ? ` / ${proxy.top_contract_counterparty}` : "";
+    lines.push(
+      `Staleness risk proxy открытых расчетов на ${proxy.as_of_date}: самый старый договорный сигнал ${proxy.oldest_contract_start_date}, возраст ${proxy.max_contract_age_days} дн.; старейший крупный договор ${proxy.top_contract}${counterpartyText} держит ${proxy.top_contract_amount_human_ru} (${proxy.top_contract_share_pct}% брутто открытых остатков); оценка ${debtStalenessRiskBandRu(proxy.risk_band)}. Это не подтвержденная просрочка, не кредитный риск и не due-date aging.`
+    );
+  }
   if (overview.inventory_position) {
     const leader = overview.inventory_position.top_items[0];
     const leaderText = leader
@@ -1228,6 +1260,11 @@ function businessOverviewRiskSynthesisLine(overview: BusinessOverview): string |
   if (overview.debt_open_settlement_quality?.age_signal?.max_age_days !== null && overview.debt_open_settlement_quality?.age_signal?.max_age_days !== undefined) {
     signals.push(`самый старый договорный возрастной сигнал ${overview.debt_open_settlement_quality.age_signal.max_age_days} дн.`);
   }
+  if (overview.debt_staleness_risk_proxy) {
+    signals.push(
+      `staleness risk proxy открытых расчетов: ${debtStalenessRiskBandRu(overview.debt_staleness_risk_proxy.risk_band)}, возраст ${overview.debt_staleness_risk_proxy.max_contract_age_days} дн., концентрация старейшего крупного договора ${overview.debt_staleness_risk_proxy.top_contract_share_pct}%`
+    );
+  }
   if (overview.inventory_position) {
     signals.push(`складской остаток на дату ${overview.inventory_position.total_amount_human_ru}`);
     if (overview.inventory_position.aging_signal?.max_age_days !== null && overview.inventory_position.aging_signal?.max_age_days !== undefined) {
@@ -1257,6 +1294,7 @@ function businessOverviewExecutiveVerdictLine(overview: BusinessOverview): strin
     overview.trading_margin_proxy ||
     overview.debt_position ||
     overview.debt_open_settlement_quality ||
+    overview.debt_staleness_risk_proxy ||
     overview.inventory_position ||
     overview.inventory_turnover_proxy ||
     overview.inventory_staleness_risk_proxy
@@ -1355,6 +1393,9 @@ export function buildAssistantMcpDiscoveryAnswerDraft(
       pushReason(reasonCodes, "answer_contains_business_overview_debt_age_signal");
     }
   }
+  if (pilot.derived_business_overview?.debt_staleness_risk_proxy) {
+    pushReason(reasonCodes, "answer_contains_business_overview_debt_staleness_risk_proxy");
+  }
   if (pilot.derived_business_overview?.inventory_position) {
     pushReason(reasonCodes, "answer_contains_business_overview_inventory_position");
   }
diff --git a/llm_normalizer/backend/src/services/assistantMcpDiscoveryPilotExecutor.ts b/llm_normalizer/backend/src/services/assistantMcpDiscoveryPilotExecutor.ts
index 19c1b5c..c0977f5 100644
--- a/llm_normalizer/backend/src/services/assistantMcpDiscoveryPilotExecutor.ts
+++ b/llm_normalizer/backend/src/services/assistantMcpDiscoveryPilotExecutor.ts
@@ -155,6 +155,7 @@ export interface AssistantMcpDiscoveryDerivedBusinessOverview {
   trading_margin_proxy: AssistantMcpDiscoveryDerivedBusinessOverviewTradingMarginProxy | null;
   debt_position: AssistantMcpDiscoveryDerivedBusinessOverviewDebtPosition | null;
   debt_open_settlement_quality: AssistantMcpDiscoveryDerivedBusinessOverviewDebtOpenSettlementQuality | null;
+  debt_staleness_risk_proxy: AssistantMcpDiscoveryDerivedBusinessOverviewDebtStalenessRiskProxy | null;
   inventory_position: AssistantMcpDiscoveryDerivedBusinessOverviewInventoryPosition | null;
   inventory_turnover_proxy: AssistantMcpDiscoveryDerivedBusinessOverviewInventoryTurnoverProxy | null;
   inventory_staleness_risk_proxy: AssistantMcpDiscoveryDerivedBusinessOverviewInventoryStalenessRiskProxy | null;
@@ -277,6 +278,21 @@ export interface AssistantMcpDiscoveryDerivedBusinessOverviewDebtOpenSettlementQ
   inference_basis: "open_contracts_confirmed_1c_balance_rows";
 }
 
+export interface AssistantMcpDiscoveryDerivedBusinessOverviewDebtStalenessRiskProxy {
+  as_of_date: string;
+  gross_open_amount: number;
+  gross_open_amount_human_ru: string;
+  oldest_contract_start_date: string;
+  max_contract_age_days: number;
+  top_contract: string;
+  top_contract_counterparty: string | null;
+  top_contract_amount: number;
+  top_contract_amount_human_ru: string;
+  top_contract_share_pct: number;
+  risk_band: "lower_visible_risk" | "watch" | "elevated" | "high";
+  inference_basis: "contract_date_age_and_open_balance_concentration_confirmed_1c_rows";
+}
+
 export interface AssistantMcpDiscoveryBusinessOverviewInventoryItemBucket {
   item: string;
   rows_with_amount: number;
@@ -3111,6 +3127,74 @@ function deriveBusinessOverviewDebtOpenSettlementQuality(input: {
   };
 }
 
+function debtStalenessRiskBand(input: {
+  maxContractAgeDays: number;
+  topContractSharePct: number;
+}): AssistantMcpDiscoveryDerivedBusinessOverviewDebtStalenessRiskProxy["risk_band"] {
+  if (input.maxContractAgeDays >= 365 && input.topContractSharePct >= 50) {
+    return "high";
+  }
+  if (input.maxContractAgeDays >= 365 || input.topContractSharePct >= 50) {
+    return "elevated";
+  }
+  if (input.maxContractAgeDays >= 180 || input.topContractSharePct >= 35) {
+    return "watch";
+  }
+  return "lower_visible_risk";
+}
+
+function deriveBusinessOverviewDebtStalenessRiskProxy(
+  quality: AssistantMcpDiscoveryDerivedBusinessOverviewDebtOpenSettlementQuality | null
+): AssistantMcpDiscoveryDerivedBusinessOverviewDebtStalenessRiskProxy | null {
+  const ageSignal = quality?.age_signal;
+  const topAgedContract = ageSignal?.top_aged_contracts[0];
+  const topContractSharePct = topAgedContract?.share_of_gross_open_amount_pct;
+  if (
+    !quality ||
+    !ageSignal?.oldest_start_date ||
+    ageSignal.max_age_days === null ||
+    ageSignal.max_age_days === undefined ||
+    !topAgedContract ||
+    topContractSharePct === null ||
+    topContractSharePct === undefined
+  ) {
+    return null;
+  }
+
+  return {
+    as_of_date: quality.as_of_date,
+    gross_open_amount: quality.gross_open_amount,
+    gross_open_amount_human_ru: quality.gross_open_amount_human_ru,
+    oldest_contract_start_date: ageSignal.oldest_start_date,
+    max_contract_age_days: ageSignal.max_age_days,
+    top_contract: topAgedContract.contract,
+    top_contract_counterparty: topAgedContract.counterparty,
+    top_contract_amount: topAgedContract.total_amount,
+    top_contract_amount_human_ru: topAgedContract.total_amount_human_ru,
+    top_contract_share_pct: topContractSharePct,
+    risk_band: debtStalenessRiskBand({
+      maxContractAgeDays: ageSignal.max_age_days,
+      topContractSharePct
+    }),
+    inference_basis: "contract_date_age_and_open_balance_concentration_confirmed_1c_rows"
+  };
+}
+
+function debtStalenessRiskBandRu(
+  riskBand: AssistantMcpDiscoveryDerivedBusinessOverviewDebtStalenessRiskProxy["risk_band"]
+): string {
+  if (riskBand === "high") {
+    return "высокая зона внимания";
+  }
+  if (riskBand === "elevated") {
+    return "повышенная зона внимания";
+  }
+  if (riskBand === "watch") {
+    return "зона наблюдения";
+  }
+  return "низкий видимый риск";
+}
+
 function daysBetweenIsoDates(leftIsoDate: string, rightIsoDate: string): number | null {
   const leftMatch = leftIsoDate.match(/^(\d{4})-(\d{2})-(\d{2})$/);
   const rightMatch = rightIsoDate.match(/^(\d{4})-(\d{2})-(\d{2})$/);
@@ -3362,6 +3446,7 @@ function deriveBusinessOverview(input: {
     openContractsResult: input.openContractsResult,
     debtAsOfDate: input.debtAsOfDate
   });
+  const debtStalenessRiskProxy = deriveBusinessOverviewDebtStalenessRiskProxy(debtOpenSettlementQuality);
   const inventoryPosition = deriveBusinessOverviewInventoryPosition({
     inventoryOnHandResult: input.inventoryOnHandResult,
     inventoryAgingResult: input.inventoryAgingResult,
@@ -3383,6 +3468,7 @@ function deriveBusinessOverview(input: {
     Boolean(tradingMarginProxy),
     Boolean(debtPosition),
     Boolean(debtOpenSettlementQuality),
+    Boolean(debtStalenessRiskProxy),
     Boolean(inventoryPosition),
     Boolean(inventoryTurnoverProxy),
     Boolean(inventoryStalenessRiskProxy)
@@ -3406,6 +3492,7 @@ function deriveBusinessOverview(input: {
     trading_margin_proxy: tradingMarginProxy,
     debt_position: debtPosition,
     debt_open_settlement_quality: debtOpenSettlementQuality,
+    debt_staleness_risk_proxy: debtStalenessRiskProxy,
     inventory_position: inventoryPosition,
     inventory_turnover_proxy: inventoryTurnoverProxy,
     inventory_staleness_risk_proxy: inventoryStalenessRiskProxy,
@@ -3565,6 +3652,13 @@ function buildBusinessOverviewConfirmedFacts(derived: AssistantMcpDiscoveryDeriv
       );
     }
   }
+  if (derived.debt_staleness_risk_proxy) {
+    const proxy = derived.debt_staleness_risk_proxy;
+    const counterpartyText = proxy.top_contract_counterparty ? ` / ${proxy.top_contract_counterparty}` : "";
+    facts.push(
+      `Staleness risk proxy открытых расчетов на ${proxy.as_of_date}: самый старый договорный сигнал ${proxy.oldest_contract_start_date}, возраст ${proxy.max_contract_age_days} дн.; старейший крупный договор ${proxy.top_contract}${counterpartyText} держит ${proxy.top_contract_amount_human_ru} (${proxy.top_contract_share_pct}% брутто открытых остатков); оценка ${debtStalenessRiskBandRu(proxy.risk_band)}. Это не подтвержденная просрочка, не кредитный риск и не due-date aging.`
+    );
+  }
   if (derived.inventory_position) {
     const leader = derived.inventory_position.top_items[0];
     const leaderText = leader
@@ -4737,6 +4831,9 @@ export async function executeAssistantMcpDiscoveryPilot(
           pushReason(reasonCodes, "pilot_derived_business_overview_debt_age_signal_from_contract_dates");
         }
       }
+      if (derivedBusinessOverview.debt_staleness_risk_proxy) {
+        pushReason(reasonCodes, "pilot_derived_business_overview_debt_staleness_risk_proxy_from_confirmed_rows");
+      }
       if (derivedBusinessOverview.inventory_position) {
         pushReason(reasonCodes, "pilot_derived_business_overview_inventory_position_from_confirmed_rows");
       }
diff --git a/llm_normalizer/backend/tests/assistantMcpDiscoveryAnswerAdapter.test.ts b/llm_normalizer/backend/tests/assistantMcpDiscoveryAnswerAdapter.test.ts
index 73693a9..ce1a115 100644
--- a/llm_normalizer/backend/tests/assistantMcpDiscoveryAnswerAdapter.test.ts
+++ b/llm_normalizer/backend/tests/assistantMcpDiscoveryAnswerAdapter.test.ts
@@ -404,21 +404,29 @@ 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.headline).toContain("staleness risk proxy открытых расчетов");
+    expect(draft.headline).toContain("договорные сроки оплаты/due-date просрочка");
     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("Staleness risk proxy открытых расчетов");
+    expect(draft.confirmed_lines.join("\n")).toContain("высокая зона внимания");
+    expect(draft.confirmed_lines.join("\n")).toContain("не due-date aging");
     expect(draft.confirmed_lines.join("\n")).toContain("нетто");
     expect(draft.inference_lines.join("\n")).toContain("Риски и контуры внимания");
     expect(draft.inference_lines.join("\n")).toContain("самый старый договорный возрастной сигнал");
+    expect(draft.inference_lines.join("\n")).toContain("staleness risk proxy открытых расчетов");
     expect(draft.inference_lines.join("\n")).toContain("Сводный LLM-аудит");
     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.reason_codes).toContain("answer_contains_business_overview_debt_staleness_risk_proxy");
     expect(draft.reason_codes).toContain("answer_contains_business_overview_analyst_synthesis");
     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.");
+    expect(draft.must_not_claim).toContain("Do not present business overview debt staleness risk proxy as confirmed overdue debt, contractual delinquency, credit risk, or due-date aging.");
   });
 
   it("surfaces checked inventory-position snapshot in business overview without treating it as warehouse liquidity", async () => {
diff --git a/llm_normalizer/backend/tests/assistantMcpDiscoveryPilotExecutor.test.ts b/llm_normalizer/backend/tests/assistantMcpDiscoveryPilotExecutor.test.ts
index a41d1bb..63a5bf7 100644
--- a/llm_normalizer/backend/tests/assistantMcpDiscoveryPilotExecutor.test.ts
+++ b/llm_normalizer/backend/tests/assistantMcpDiscoveryPilotExecutor.test.ts
@@ -468,6 +468,14 @@ describe("assistant MCP discovery pilot executor", () => {
       latest_start_date: "2020-03-15",
       max_age_days: 690
     });
+    expect(result.derived_business_overview?.debt_staleness_risk_proxy).toMatchObject({
+      as_of_date: "2020-12-31",
+      oldest_contract_start_date: "2019-02-10",
+      max_contract_age_days: 690,
+      top_contract_amount: 90000,
+      top_contract_share_pct: 75,
+      risk_band: "high"
+    });
     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",
@@ -480,6 +488,8 @@ describe("assistant MCP discovery pilot executor", () => {
     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("Staleness risk proxy открытых расчетов");
+    expect(result.evidence.confirmed_facts.join("\n")).toContain("высокая зона внимания");
     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");
@@ -487,6 +497,7 @@ describe("assistant MCP discovery pilot executor", () => {
     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(result.reason_codes).toContain("pilot_derived_business_overview_debt_staleness_risk_proxy_from_confirmed_rows");
     expect(deps.executeAddressMcpQuery).toHaveBeenCalledTimes(10);
     const receivablesCall = deps.executeAddressMcpQuery.mock.calls[3]?.[0];
     const payablesCall = deps.executeAddressMcpQuery.mock.calls[4]?.[0];