HANDOVER — THE LIVE STATE
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GENERATED PROJECTION of 01_System/project_data.py. Never hand-edited, never a second editable copy.
Where this prose and a register disagree, THE REGISTER WINS AND THIS PROSE IS A DEFECT (GOV-F9.9).
Date: 2026-08-20
Standard version: AI Project Governance Standard v3.7 (13 July 2026)
Baseline: v1.0.0
Project class: STANDARD
WHAT THE LAST SESSION DID
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Stood the project up from nothing: folder skeleton, framing artefact, bounded authority table, 26
requirements, 9 components, 15 interfaces. Dispatched five research agents and two independent verification
agents under written charters. Registered 53 sourced claims and 15 assumptions. Built and reconciled the
financial model. Delivered the study, the decision pack, 27 registers, the dashboard, the Help Hub, the
threat model, this transfer pack and the checker suite.
WHAT CHANGED
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CR-001 [Class 1 — Q1 (establishes the purpose, objectives, scope boundary and definition of success)]
Establish the project baseline: folder skeleton, registers, framing artefact, bounded authority table, requirements set.
Approval: Zaid, by issuing RQ-001 and the intake answers in RQ-002
Status: v1.0.0
CR-002 [Class 1 — Q3 (changes the pass/fail threshold of REQ-SYS-05) and Q6 (invalidates the previously computed margin)]
Correct the fully-loaded labour cost from $50.71 to $52.28 per hour by adding WorkCover (1.8%) and the Victorian portable long service leave levy (1.65%).
Approval: Approved by the Master Brain on the verifier's evidence, before the model was built — no prior figure had been published to Zaid
Status: v1.0.0
CR-003 [Class 1 — Q2 (re-scopes REQ-SYS-05 to weekday rates only)]
Withdraw the weekend and public holiday margin figures rather than publish extrapolated penalty rates.
Approval: Approved by the Master Brain; the alternative was publishing an unsourced figure, which GOV-F8.8 forbids
Status: v1.0.0
CR-004 [Class 1 — Q6 (invalidates previously recorded verification results) and Q3 (changes acceptance criteria on four requirements)]
Correct twelve defects found by independent deliverable verification before delivery: DEF-004 to DEF-014. Includes a 3x error in the employed-manager break-even figure, a $1,288 arithmetic error in the support coordination capital figure, a sign error in ASM-008, three off-by-one column indexes producing three different open-item counts, four overstated assurance lines in the Definition of Done and the Part I audit, a workbook cost band that disagreed with the study, four checkers that asserted more than they tested, an absolute machine path in a portable artefact, four unquantified requirement qualifiers, and a column-shifted register row.
Approval: Approved by the Master Brain on the verifier's evidence. Nothing had yet been accepted by Zaid, so no previously approved baseline was disturbed — v1.0.0 was corrected before first acceptance rather than superseded after it.
Status: v1.0.0
CR-005 [Class 1 — Q2 (re-scopes two approved requirements) and Q6 (invalidates the previously recorded verification result of 26 of 26)]
Correct DEF-015 to DEF-019 — the defects the FIRST round of corrections introduced or left behind — and remove self-certification from the project entirely. Requirement status is now DERIVED from the independent verifier's recorded verdict (IV_VERDICT) rather than declared by the builder, and checker C31 fails the build if the two disagree. REQ-SYS-01 and REQ-SYS-10 amended to require either a modelled figure or a recorded exclusion, because supported accommodation cannot be modelled without property parameters that do not exist.
Approval: Approved by the Master Brain on the verifier's evidence, before first acceptance by Zaid. The amendment of REQ-SYS-01 and REQ-SYS-10 is surfaced to Zaid explicitly in the covering message rather than buried in this record.
Status: v1.0.0
CR-006 [Class 2 — Q10 (the CI register, the deliverables map and the transfer pack all reference it) and Q12 (adds files other processes consume)]
File the Governance Standard inside the project as CI-001 and generate its two projections; add checker C32 so that a configuration item pointing at a non-existent path fails the build.
Approval: Raised by Zaid directly; corrective work on a defect he identified
Status: v1.0.0
OPEN ITEMS — every one with its owner and its age
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Total open: 31. All were raised on 2026-08-20, so none has aged.
ACTIONS OWED BY ZAID
ACT-001 due 2026-08-27 Confirm whether you will operate the business yourself full time, or fund it and employ a manager.
blocks: Finalising the base case in the financial model (ASM-011)
ACT-002 due 2026-08-27 Tell me the monthly cash you need to draw from the business, and from what month.
blocks: The runway number in REQ-SYS-07 (ASM-012)
ACT-003 due 2026-08-27 Tell me the maximum capital you are prepared to lose entirely.
blocks: The final GO / NO-GO framing in REQ-SYS-08
ACT-004 due 2026-08-27 Tell me whether you or a co-founder holds a relevant qualification or prior disability-sector experience.
blocks: Confidence in the trade study recommendation (ASM-013)
ACT-005 due 2026-09-05 Ask the NDIS Commission whether the 1 October 2026 SIL registration deadline applies to a new entrant or only to providers already operating.
blocks: The SIL branch of the trade study (ASM-009)
ACT-006 due 2026-09-05 Ask the NDIS Commission whether it charges its own application or certificate fee separate from the auditor's fee.
blocks: Completeness of the capital figure in REQ-SYS-01 (ASM-010)
ACT-007 due 2026-09-20 Obtain a written quote from at least two Approved Quality Auditors for a verification audit of your intended registration groups.
blocks: Tightening the capital band (SRC-034, SRC-035)
ACT-008 due 2026-09-20 Obtain an insurance quote for public liability, professional indemnity and management liability.
blocks: Confidence in the recurring cost figure (SRC-040)
ACT-009 due 2026-09-05 Ask one operating Victorian NDIS provider how many non-billable administration hours they spend for every billable hour they deliver.
blocks: The base case in the financial model, the service model recommendation, and the go/no-go itself (ASM-008)
BACKLOG
BKL-001 High owner Master Brain Re-read the raw NDIS 2026-27 support catalogue and reconcile the five price limits used in the model.
BKL-002 High owner Zaid Obtain a first-party read of the SCHADS MA000100 pay guide, including casual weekend and public holiday penalties and the sleepover allowance.
BKL-003 Medium owner Zaid Confirm the Victorian payroll tax threshold and the disability-sector WorkCover industry rate from primary sources.
BKL-004 Medium owner Master Brain Locate a current Victoria-specific NDIS participant count; the figure in use is from 30 June 2025.
BKL-005 Low owner Master Brain Build the SIL/SDA financial branch once property parameters are supplied.
BKL-007 Medium owner Master Brain Replace the hand-written SIL/SDA registration-pathway range in study Table 5.1 with a computed figure.
BKL-008 Medium owner Master Brain Add a checker that an evidence record may not assert proof for a requirement the independent verdict fails.
BKL-009 Medium owner Master Brain Render BKL-002 and BKL-003 on the dashboard. They are counted in the open-item total but appear in no view.
BKL-010 Medium owner Master Brain Derive the objective status on the dashboard from the requirements that serve each objective, rather than declaring it.
BKL-006 High owner Master Brain Re-run the whole source register before 2027-08-20.
RISKS
RSK-001 HIGH Mandatory registration reaches personal care and daily living supports in July 2027, ending the unregistered pathway for a core-supports business.
RSK-002 HIGH Approximately half of NDIS providers were loss-making in 2024-25 and 81% report current pricing is unsustainable.
RSK-003 HIGH The support coordination service line is the subject of an active government restructure into a navigator model, in design and pilot through 2026-2028.
RSK-004 MEDIUM The SCHADS classification used in the model could be wrong by one level.
RSK-005 HIGH Wages fall due before NDIS or plan-manager payments arrive.
RSK-006 MEDIUM Foundational supports and the Thriving Kids programme begin drawing participants out of the scheme from 1 October 2026.
RSK-007 MEDIUM The NDIS price limits used throughout the model were read from a summarising fetch of a 65-page PDF rather than a raw table.
RSK-008 HIGH No Approved Quality Auditor publishes a fee, so the largest single setup cost is a consultancy's estimate.
RSK-009 HIGH Client acquisition depends on referral relationships with support coordinators and plan managers, and no published benchmark exists for how long that takes.
RSK-010 MEDIUM — OPPORTUNITY OPPORTUNITY (upside). Mandatory registration in July 2027 will remove unregistered competitors from the personal care market.
ISSUES
ISS-001 fairwork.gov.au, fwc.gov.au, sro.vic.gov.au and several ndiscommission.gov.au pages block automated fetching.
PARKED WITH ZAID, AND WHAT IT BLOCKS
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DEC-003 Recommended service model: SUPPORT COORDINATION, with core supports as a close second.
Why parked: CLOSE — and Zaid must decide it, not the AI (GOV-B6.4). Raising the weight on regulatory stability from 25% to 40% flips the answer to core supports (B1 3.45 vs B2 3.40). The whole result turns on how heavily you weight the navigator restructure risk to support coordination against the July 2027 mandatory registration exposure to core supports.
Blocks: the final service-model recommendation. Everything else in the study is complete.
HEADLINE NUMBERS — all recomputed from 01_System/model_params.py, never typed
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Gross margin per billable hour, core supports $21.30 (29.0% of price)
Contribution if administration is paid $6.70
The same at 0.40 admin hours per billable hour -$2.07 (loss-making on every hour)
One-off setup, core supports, base case $10,791
Fixed cost per month, base case $847
Break-even billable hours, you do the admin 40
Break-even billable hours, admin is paid 126
Working capital at 300 billable hours, 14-day lag $7,319
Six-month runway, zero revenue, zero drawings $15,875
Support coordination, net to owner per year at 55% $98,664
THE NEXT ACTION
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Answer ACT-001 and ACT-002. Until Zaid states whether he will operate the business himself and what he must draw
from it each month, this study reports a RANGE and not a NUMBER. Nothing else in the project is blocked; those two
answers are what turn the capital and break-even figures from bands into a decision.
Immediately after that: ACT-005 to ACT-008 — four phone calls and two quote requests that cost nothing and
collapse the widest uncertainty bands in the whole study.
HOW TO VERIFY — do not take any of the above on trust
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1. python 01_System/checkers/run_checks.py
Writes 01_System/checker_run_log.txt and exits non-zero on any failure. C23 is a negative test that
deliberately breaks a pack file to prove the tamper check can actually fail, then restores it.
2. Open any figure in the study, find its SRC-### or ASM-###, and look it up in 03_Registers/SRC.csv or
ASM.csv. Every SRC row carries a URL you can open yourself.
3. Open 05_Outputs/NDIS_Financial_Model_v1.0.xlsx, change a yellow cell, and confirm every dependent
sheet moves. Nothing in that workbook is a typed-in result.
4. python 01_System/build_all.py regenerates every deliverable from 01_System/project_data.py. If a
regenerated file differs from the delivered one, someone hand-edited a generated artefact.
WHAT YOU MUST NOT ASSUME
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- Do not assume any figure is still current after 2027-08-20. GOV-F1.16 makes a citation stale after
twelve months, and NDIS price limits and award wages change every 1 July. BKL-006 is the re-verification.
- Do not assume the weekend or public holiday economics are modelled. They are not (DEF-003, BKL-002).
- Do not assume SIL or SDA is modelled financially. It is not (BKL-005).
- Do not assume the administration ratio of 0.25 is a finding. It is an assumption with no published
benchmark, and it is the number most likely to change the answer (ASM-008).
- Do not assume the service-model recommendation is settled. It is parked with Zaid (DEC-003).
ACCEPTANCE
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Transition is not complete until acceptance is recorded from the person who now owns the thing (GOV-F9.2).
Accepted by: ____________________________ Date: ______________
Known limitations acknowledged (see WHAT YOU MUST NOT ASSUME above): [ ]