Triple entry accounting at the Home Credit Uion

The client holds liability risk on mortgage insurance due and loan interest due. Both are innovative processes, each element assumed to be equally surprising. The deposit interest earned is also an innovative process.

Mortgage insurance derives from home valuations on completed sales within the closed system.  This is unlike the two color, deposits will have almost the same precision (fake qubits) as the two liabilities combined, they nearly split the channel.

Small numbers, the rank of the entire construct less than six, I am sure, this is not a complete market,  and homes move around, inside the union, multiple times before entering or leaving.our home credit union. Deposits are most liquid, loans second most and home sale prices least. Some depositors have negative home equity, they rent one of them.

It leads o some better cascade  algorithm for the pit boss: First match loans to insurance costs, then that against deposits.    Slow negotiated sales pace the process, and loans mostly part of the purchase process; clients can scramble  bit to make up deposits, which include a five year certificate.

I think this is about jumping up the Markov tree to get a three color fit. From a Shannon point of view it is about keeping noise and signal about matched in a self sampled system. In the three color whitening all is signal except the final market risk,which is bound to under unity in the normalized mode.

A second three color pit model.  The pit boss monitors mortgage insurance, that is is within bounds of deposits, an asynchronously and separates watches loans against deposits. Interest charges on loan should be the largest flow.  The two liabilities assume their natural ratio.

What makes two structured queue homogeneous?  They can be treated as optimally congested such that I can take one queue element fro each leaf, back it up the tree and accumulate it without disturbing the tree (leaving some inventory empty) which would cause a requant. The proper number of elements can be distributed down the tree from roots to leaf without causing any inventory to over flow.