What-If

What-If is a calculator for all the agents in your organisation. Several agents together can harm or help the company, so the page looks at them as a whole. Change the assumptions, see the result, and create reports for top management.

37 of 37 prices are illustrative examples, and none has been researched. Replace them before you quote a figure. The measurements come from two synthetic Rootplant files with 400 applications and 250 shipments over about 12 hours. The figures are an estimate from a model and are not accounting figures.

What if

Catch it sooner

A bad change is caught and reversed after 3.3 h

The files end while the fault is still active, so 6.6 h is the minimum. A doubling alarm that reads these runs in order triggers 3.3 h after the change.
+€1.12M aloneback to Today

Bad changes reach production 4 times a year, in each system

The number is your estimate. One observation period cannot measure a yearly rate.

25% of them affect every system at once, through a shared data feed, model or vendor

The share changes the results of the bad years. The share does not change the average.

People check 0% of denials and catch 70% of the wrong ones

Run volume is ×1 today's rate

The estimate assumes that the cost per run stays the same and that the demand exists.

Model prices change by 0%

0.0% of approved business exists only because of the agents

The model adds no extra business here until you set a value. The rest of the business would be earned without agents too.

Making this happen costs €0 a year

If the cost stays at zero, the gains on this page do not include the cost of the programme.
Net a year, all agents
€7.02M
+€1.12M against Today

Catch it sooner adds €1.12M a year compared with Today, and most of that comes from catching bad changes sooner.

work done €8.53Mrun €52kpeople €343kloss €1.12Mreturned per euro spent €18.8

Who helps and who harms

every agent as a column

work done, above the zero linerun costpeopleshare of lossfault pathToday
€200k€400k€600k€800k−€200k−€400kLoan decisionsUNHEALTHY · 200,837 runs/yr · net €4.83MCold-chain dispatchUNHEALTHY · 125,313 runs/yr · net €2.18Mintake_agent: earns €753k, costs €3.3k, loss €0, net €750kintake+750kkyc_agent: earns €753k, costs €2.1k, loss €0, net €751kkyc+751kbureau_agent: earns €753k, costs €10k, loss €196k, net €547kbureau+547kincome_agent: earns €753k, costs €10k, loss €196k, net €547kincome+547kaffordability_agent: earns €753k, costs €43, loss €196k, net €557kaffordability+557krisk_agent: earns €753k, costs €202, loss €0, net €753krisk+753kpolicy_agent: earns €753k, costs €1.6k, loss €196k, net €556kpolicy+556kloan_orchestrator: earns €753k, costs €4.5k, loss €196k, net €553korchestrator+553kpeople: earns €0, costs €181k, loss €0, net −€181kpeople−181kmanifest_agent: earns €313k, costs €1.9k, loss €0, net €311kmanifest+311kcustoms_agent: earns €313k, costs €1.3k, loss €0, net €312kcustoms+312kcorridor_agent: earns €313k, costs €6.3k, loss €28k, net €279kcorridor+279kthermal_agent: earns €313k, costs €6.3k, loss €28k, net €279kthermal+279kcapacity_agent: earns €313k, costs €27, loss €28k, net €285kcapacity+285keta_agent: earns €313k, costs €127, loss €0, net €313keta+313ksla_policy_agent: earns €313k, costs €1.1k, loss €28k, net €284ksla policy+284kdispatch_orchestrator: earns €313k, costs €2.6k, loss €28k, net €283korchestrator+283kpeople: earns €0, costs €162k, loss €0, net −€162kpeople−162krecord feed version 3.3record feed version 4.1

How to read the chart

The hatched area above the line is the work an agent does in place of people. The solid area below the line is what the agent costs to run. The red area is its share of the loss from bad changes. The dashed outline shows Today.

The red line is the fault path. The line joins the agents whose own output changed when the feed changed, measured on runs side by side in the same hours. The changes happened together, and only the causal analysis can show a cause chain.

326,150runs a year
The range of years3,000 simulated years, fixed random numbers
€6.20M1 year in 10 is worse than this
€7.10Mmiddle year
€7.71M1 year in 10 is better than this
€2.23Mloss, 1 year in 20
<0.1%years below zero

What if

setting the reference

A bad change is caught and reversed after 6.6 h (as observed)

The files end while the fault is still active, so 6.6 h is the minimum. A doubling alarm that reads these runs in order triggers 3.3 h after the change.

Bad changes reach production 4 times a year, in each system

The number is your estimate. One observation period cannot measure a yearly rate.

25% of them affect every system at once, through a shared data feed, model or vendor

The share changes the results of the bad years. The share does not change the average.

People check 0% of denials and catch 70% of the wrong ones

Run volume is ×1 today's rate

The estimate assumes that the cost per run stays the same and that the demand exists.

Model prices change by 0%

0.0% of approved business exists only because of the agents

The model adds no extra business here until you set a value. The rest of the business would be earned without agents too.

Making this happen costs €0 a year

If the cost stays at zero, the gains on this page do not include the cost of the programme.
Net a year, all agents
€5.89M
the reference

This model estimates that the agents return €5.89M a year. That is the work they do in place of people, minus what they cost and the loss from bad changes.

work done €8.53Mrun €52kpeople €343kloss €2.24Mreturned per euro spent €15.9

Who helps and who harms

every agent as a column

work done, above the zero linerun costpeopleshare of lossfault pathToday
€200k€400k€600k€800k−€200k−€400kLoan decisionsUNHEALTHY · 200,837 runs/yr · net €3.85MCold-chain dispatchUNHEALTHY · 125,313 runs/yr · net €2.04Mintake_agent: earns €753k, costs €3.3k, loss €0, net €750kintake+750kkyc_agent: earns €753k, costs €2.1k, loss €0, net €751kkyc+751kbureau_agent: earns €753k, costs €10k, loss €393k, net €350kbureau+350kincome_agent: earns €753k, costs €10k, loss €393k, net €350kincome+350kaffordability_agent: earns €753k, costs €43, loss €393k, net €361kaffordability+361krisk_agent: earns €753k, costs €202, loss €0, net €753krisk+753kpolicy_agent: earns €753k, costs €1.6k, loss €393k, net €359kpolicy+359kloan_orchestrator: earns €753k, costs €4.5k, loss €393k, net €356korchestrator+356kpeople: earns €0, costs €181k, loss €0, net −€181kpeople−181kmanifest_agent: earns €313k, costs €1.9k, loss €0, net €311kmanifest+311kcustoms_agent: earns €313k, costs €1.3k, loss €0, net €312kcustoms+312kcorridor_agent: earns €313k, costs €6.3k, loss €56k, net €251kcorridor+251kthermal_agent: earns €313k, costs €6.3k, loss €56k, net €251kthermal+251kcapacity_agent: earns €313k, costs €27, loss €56k, net €257kcapacity+257keta_agent: earns €313k, costs €127, loss €0, net €313keta+313ksla_policy_agent: earns €313k, costs €1.1k, loss €56k, net €256ksla policy+256kdispatch_orchestrator: earns €313k, costs €2.6k, loss €56k, net €254korchestrator+254kpeople: earns €0, costs €162k, loss €0, net −€162kpeople−162krecord feed version 3.3record feed version 4.1

How to read the chart

The hatched area above the line is the work an agent does in place of people. The solid area below the line is what the agent costs to run. The red area is its share of the loss from bad changes. The dashed outline shows Today.

The red line is the fault path. The line joins the agents whose own output changed when the feed changed, measured on runs side by side in the same hours. The changes happened together, and only the causal analysis can show a cause chain.

326,150runs a year
The range of years3,000 simulated years, fixed random numbers
€4.25M1 year in 10 is worse than this
€6.07Mmiddle year
€7.28M1 year in 10 is better than this
€4.46Mloss, 1 year in 20
0.1%years below zero

What if

People check denials

A bad change is caught and reversed after 6.6 h (as observed)

The files end while the fault is still active, so 6.6 h is the minimum. A doubling alarm that reads these runs in order triggers 3.3 h after the change.

Bad changes reach production 4 times a year, in each system

The number is your estimate. One observation period cannot measure a yearly rate.

25% of them affect every system at once, through a shared data feed, model or vendor

The share changes the results of the bad years. The share does not change the average.

People check 100% of denials and catch 70% of the wrong ones

+€801k aloneback to Today

Run volume is ×1 today's rate

The estimate assumes that the cost per run stays the same and that the demand exists.

Model prices change by 0%

0.0% of approved business exists only because of the agents

The model adds no extra business here until you set a value. The rest of the business would be earned without agents too.

Making this happen costs €0 a year

If the cost stays at zero, the gains on this page do not include the cost of the programme.
Net a year, all agents
€6.69M
+€801k against Today

People check denials adds €801k a year compared with Today, and most of that comes from people checking denials.

work done €8.53Mrun €52kpeople €1.11Mloss €673kreturned per euro spent €6.7

Who helps and who harms

every agent as a column

work done, above the zero linerun costpeopleshare of lossfault pathToday
€500k−€500kLoan decisionsUNHEALTHY · 200,837 runs/yr · net €4.77MCold-chain dispatchUNHEALTHY · 125,313 runs/yr · net €1.92Mintake_agent: earns €753k, costs €3.3k, loss €0, net €750kintake+750kkyc_agent: earns €753k, costs €2.1k, loss €0, net €751kkyc+751kbureau_agent: earns €753k, costs €10k, loss €118k, net €625kbureau+625kincome_agent: earns €753k, costs €10k, loss €118k, net €625kincome+625kaffordability_agent: earns €753k, costs €43, loss €118k, net €635kaffordability+635krisk_agent: earns €753k, costs €202, loss €0, net €753krisk+753kpolicy_agent: earns €753k, costs €1.6k, loss €118k, net €634kpolicy+634kloan_orchestrator: earns €753k, costs €4.5k, loss €118k, net €631korchestrator+631kpeople: earns €0, costs €636k, loss €0, net −€636kpeople−636kmanifest_agent: earns €313k, costs €1.9k, loss €0, net €311kmanifest+311kcustoms_agent: earns €313k, costs €1.3k, loss €0, net €312kcustoms+312kcorridor_agent: earns €313k, costs €6.3k, loss €17k, net €290kcorridor+290kthermal_agent: earns €313k, costs €6.3k, loss €17k, net €290kthermal+290kcapacity_agent: earns €313k, costs €27, loss €17k, net €296kcapacity+296keta_agent: earns €313k, costs €127, loss €0, net €313keta+313ksla_policy_agent: earns €313k, costs €1.1k, loss €17k, net €295ksla policy+295kdispatch_orchestrator: earns €313k, costs €2.6k, loss €17k, net €294korchestrator+294kpeople: earns €0, costs €477k, loss €0, net −€477kpeople−477krecord feed version 3.3record feed version 4.1

How to read the chart

The hatched area above the line is the work an agent does in place of people. The solid area below the line is what the agent costs to run. The red area is its share of the loss from bad changes. The dashed outline shows Today.

The red line is the fault path. The line joins the agents whose own output changed when the feed changed, measured on runs side by side in the same hours. The changes happened together, and only the causal analysis can show a cause chain.

326,150runs a year
The range of years3,000 simulated years, fixed random numbers
€6.20M1 year in 10 is worse than this
€6.75Mmiddle year
€7.11M1 year in 10 is better than this
€1.35Mloss, 1 year in 20
<0.1%years below zero

What if

Triple the volume

A bad change is caught and reversed after 6.6 h (as observed)

The files end while the fault is still active, so 6.6 h is the minimum. A doubling alarm that reads these runs in order triggers 3.3 h after the change.

Bad changes reach production 4 times a year, in each system

The number is your estimate. One observation period cannot measure a yearly rate.

25% of them affect every system at once, through a shared data feed, model or vendor

The share changes the results of the bad years. The share does not change the average.

People check 0% of denials and catch 70% of the wrong ones

Run volume is ×3 today's rate

The estimate assumes that the cost per run stays the same and that the demand exists.
+€11.78M aloneback to Today

Model prices change by 0%

0.0% of approved business exists only because of the agents

The model adds no extra business here until you set a value. The rest of the business would be earned without agents too.

Making this happen costs €0 a year

If the cost stays at zero, the gains on this page do not include the cost of the programme.
Net a year, all agents
€17.68M
+€11.78M against Today

Triple the volume adds €11.78M a year compared with Today, and most of that comes from volume.

work done €25.59Mrun €155kpeople €1.03Mloss €6.73Mreturned per euro spent €15.9

Who helps and who harms

every agent as a column

work done, above the zero linerun costpeopleshare of lossfault pathToday
€1.00M€2.00M−€1.00MLoan decisionsUNHEALTHY · 602,510 runs/yr · net €11.55MCold-chain dispatchUNHEALTHY · 375,940 runs/yr · net €6.13Mintake_agent: earns €2.26M, costs €9.9k, loss €0, net €2.25Mintake+2.2Mkyc_agent: earns €2.26M, costs €6.4k, loss €0, net €2.25Mkyc+2.3Mbureau_agent: earns €2.26M, costs €30k, loss €1.18M, net €1.05Mbureau+1.1Mincome_agent: earns €2.26M, costs €30k, loss €1.18M, net €1.05Mincome+1.1Maffordability_agent: earns €2.26M, costs €129, loss €1.18M, net €1.08Maffordability+1.1Mrisk_agent: earns €2.26M, costs €607, loss €0, net €2.26Mrisk+2.3Mpolicy_agent: earns €2.26M, costs €4.7k, loss €1.18M, net €1.08Mpolicy+1.1Mloan_orchestrator: earns €2.26M, costs €14k, loss €1.18M, net €1.07Morchestrator+1.1Mpeople: earns €0, costs €542k, loss €0, net −€542kpeople−542kmanifest_agent: earns €940k, costs €5.7k, loss €0, net €934kmanifest+934kcustoms_agent: earns €940k, costs €4.0k, loss €0, net €936kcustoms+936kcorridor_agent: earns €940k, costs €19k, loss €169k, net €752kcorridor+752kthermal_agent: earns €940k, costs €19k, loss €169k, net €752kthermal+752kcapacity_agent: earns €940k, costs €82, loss €169k, net €771kcapacity+771keta_agent: earns €940k, costs €382, loss €0, net €939keta+939ksla_policy_agent: earns €940k, costs €3.3k, loss €169k, net €768ksla policy+768kdispatch_orchestrator: earns €940k, costs €7.8k, loss €169k, net €763korchestrator+763kpeople: earns €0, costs €487k, loss €0, net −€487kpeople−487krecord feed version 3.3record feed version 4.1

How to read the chart

The hatched area above the line is the work an agent does in place of people. The solid area below the line is what the agent costs to run. The red area is its share of the loss from bad changes. The dashed outline shows Today.

The red line is the fault path. The line joins the agents whose own output changed when the feed changed, measured on runs side by side in the same hours. The changes happened together, and only the causal analysis can show a cause chain.

978,450runs a year
The range of years3,000 simulated years, fixed random numbers
€12.76M1 year in 10 is worse than this
€18.20Mmiddle year
€21.83M1 year in 10 is better than this
€13.37Mloss, 1 year in 20
0.1%years below zero

The systems in this sum

You can add any Agent Health report, as a .json file or as the report page. If you also add the run file, which holds the recorded runs, the agents are measured exactly, with the fault path. The files are read in this browser and stay there.

Drop report files here or click to choose. You can drop them anywhere on the page.
SystemFromAgent HealthRunsStatus
Loan decisionsbuilt-in demoUNHEALTHY400in the sum, fault path placed
Cold-chain dispatchbuilt-in demoUNHEALTHY250in the sum, fault path placed

What the figures are based on

Prices are in EUR. On the live page, when you enter your own price, its source changes from example to own. Measured figures come from the run files, and you cannot edit them here. How many runs a person reviews depends on each agent's stage: Preview a stage, under Mandates, shows it for a day of traffic.

Every system
Working days a yearexample
A wrong outcome becomes a complaintexample
Cost of a complaintexample
How much detection time varies (log σ)example
How much the cost of a wrong outcome varies (log σ)example
Share work between agentsconvention
Show money in
1 EUR = ? EURfixed
Loan decisions: prices
Minutes a person would spend on one applicationexample
Cost of a person's minuteexample
Minutes to review one runexample
Wrong outcome, share of the 277,000 average amountexample
Margin on approved, share of amount a yearexample
Runs a dayextrapolated
Compute cost per second of step timeexample
model-a-large: per 1k tokens inexample
model-a-large: per 1k tokens outexample
model-b-small: per 1k tokens inexample
model-b-small: per 1k tokens outexample
bureau_fetch: per callexample
document_parse: per callexample
income_verify: per callexample
notify_applicant: per callexample
policy_engine: per callexample
sanctions_screen: per callexample
Loan decisions: measured
Runs in the period400measured
Window11.95 hmeasured
Outcomesapprove 236, refer 30, deny 134measured
Strongest changecredit.record_feed_version 3.2 → 3.3 at 5.34 hmeasured
Runs on the new value70measured
Extra denials compared with the old version84% (72% to 89%)measured
Still active when the file ends6.6 hmeasured
Doubling alarm triggers3.3 h after the changemeasured
Other changesscore_model_version: no runs on the old version at the same time; policy_version: no runs on the old version at the same timemeasured
Health report: report-credit-4217.html
Cold-chain dispatch: prices
Minutes a person would spend on one shipmentexample
Cost of a person's minuteexample
Minutes to review one runexample
Cost of one wrong outcomeexample
Margin on one approved runexample
Runs a dayextrapolated
Compute cost per second of step timeexample
route-net-fast: per 1k tokens inexample
route-net-fast: per 1k tokens outexample
route-net-large: per 1k tokens inexample
route-net-large: per 1k tokens outexample
corridor_fetch: per callexample
customs_screen: per callexample
manifest_parse: per callexample
notify_shipper: per callexample
reefer_verify: per callexample
sla_rules_engine: per callexample
Cold-chain dispatch: measured
Runs in the period250measured
Window11.97 hmeasured
Outcomesapprove 136, deny 87, refer 27measured
Strongest changelogistics.record_feed_version 4.0 → 4.1 at 5.34 hmeasured
Runs on the new value43measured
Extra denials compared with the old version81% (64% to 88%)measured
Still active when the file ends6.6 hmeasured
Doubling alarm triggers3.2 h after the changemeasured
Other changeseta_model_version: no runs on the old version at the same time; policy_version: no runs on the old version at the same timemeasured
Health report: report-defence-9912.html

Systems without a run file

Enter an agent system by hand to include it in the sum. The system appears as one column, marked as entered by hand. Only the shared sliders affect it.

Not in this number

  • Fines: a fine depends on the regulator and the situation, so the sum excludes fines.
  • Wrong outcomes when nothing changed: the run files cannot show them, so the normal error rate counts as zero.
  • Wrong approvals: the loss here is only the rise in the share of failed runs after a change.
  • Customers who leave after a complaint: the sum does not count them.
  • Proof of cause for the fault path: the agents changed together while other runs stayed on the old version. Only the causal analysis can show a cause chain.
  • A fault rate that changes over time: the model continues the observed rate unchanged after the 6.6 hours that were actually seen.

This page is a prototype. Its values are fixed at the starting values, so the sliders do not move and the columns do not open. The live page calculates again as you drag, simulates the years again and accepts your own reports. Point at a column to see its figures.

Fault path and range of years

The red line shows agents that changed together. Of the simulated years, 1 year in 10 is worse than the low figure and 1 year in 10 is better than the high figure.

More exactly

The fault path is an association measured under a concurrent control, and it is not a causal finding. The low figure is P10 and the high figure is P90 of net value over 3,000 simulated years with one fixed seed.

Measures in the tables

The table compares denials with runs that stayed on the old version at the same time.

More exactly

Extra denials are the share denied beyond the concurrent control, with the likely range in brackets. The spread inputs are log σ, the standard deviation of the logarithm of the value.