Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.
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{
"benefit_obligation": 820000,
"plan_assets": null,
"funded_ratio": -0.3707,
"deficit": -1124000,
"deficit_vs_equity": 0.004,
"thresholds": {
"elevated": "<90% funded",
"triggered": "<80% funded or deficit >25% of equity"
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/765207/000076520726000067/0000765207-26-000067-index.htm",
"form": "10-K",
"filed": "2026-03-06"
}
}{
"etr_by_year": {
"2025-12-31": 0.1799,
"2024-12-31": 0.17,
"2023-12-31": 0.1732
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": 0.0301,
"2024-12-31": 0.04,
"2023-12-31": 0.0368
},
"note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/765207/000076520726000067/0000765207-26-000067-index.htm",
"form": "10-K",
"filed": "2026-03-06"
}
}