POLARIS/i — Insurance Policy Administration

  UNDERWRITING / LIFECYCLE     ONLINE (5250)        BATCH (periodic)
  ------------------------     -------------        ----------------
  UWRPGM  <--CALL-- POLISSUE   POLMENUP             BILLGEN   (quarterly installments)
                    POLENDT      opt 1 --> POLINQ   CASHPOST  (apply cash, oldest-due-first)
                    POLRENEW     opt 2 --> CLMINQ   AGERPT    (aged receivables -> AGEDARP spool)
                    POLCANCEL                        COMMCALC  (commission per bound txn)
   CLAIMS                                            GLPOST    (balanced DR/CR -> GLFEED)
   CLMFNOL --> CLMADJ --> CLMPAY                     POLRPT    (COBOL: inforce prem vs GLFEED)

        every issue/endorse/renew/cancel  ---writes--->  POLTRN (journaled to PLJRN)
        POLISSUE/BILLGEN/CASHPOST/CLM* ---update/write---> POLMST / BILLDUE / CLMMST / CLMPMT
        COMMCALC ---reads POLTRN, writes---> COMMST     GLPOST ---reads POLTRN+COMMST, EXEC SQL---> GLFEED

All three screens are display-only. POLINQ and CLMINQ never edit data — there is no option column, no maintenance action, no post-from-screen. Money and status changes happen only through the batch/parameter-driven programs (POLISSUE, POLENDT, CASHPOST, CLMFNOL/CLMADJ/CLMPAY, etc.), never from an inquiry screen.

Honest note on the "day-end" driver. PLAN.md envisaged a packaged PLDAYEND CL that chained the batch programs, but no PLDAYEND member exists in the committed source — PLSETUP is the only CL driver, and it only builds the library and sets up journaling. The day-end chain is therefore driven by the operator/scheduler, program by program. The pl_daycycle_iter1.mjs driver shows exactly this: it SBMJOBs BILLGEN/CASHPOST/COMMCALC/GLPOST onto a real *JOBQ (POLARIS/NITEQ) with HOLD(*YES), then releases them in dependency order, because the queue itself is FIFO-within-priority and does not model predecessor gating.

These programs take no processing-date control row (unlike some batch systems). The batch programs simply pass over whatever rows are on file; the lifecycle and claims programs are driven by their CALL parameters. Dates in this application are plain YYYYMMDD-shaped zoned/packed integers, not a true *DATE type, and several date steps (installment due dates, renewal term extension, cancellation day-count) are deliberately simplified — documented in the source and in section G, and not to be mistaken for calendar-correct arithmetic.

-- a realistic day-end chain, submitted the way a scheduler would
CRTJOBQ JOBQ(POLARIS/NITEQ) TEXT('POLARIS night batch queue')
SBMJOB CMD(CALL POLARIS/BILLGEN)  JOB(PLBILLGN) JOBQ(POLARIS/NITEQ)
SBMJOB CMD(CALL POLARIS/CASHPOST) JOB(PLCASHPO) JOBQ(POLARIS/NITEQ)
SBMJOB CMD(CALL POLARIS/COMMCALC) JOB(PLCOMMCA) JOBQ(POLARIS/NITEQ)
SBMJOB CMD(CALL POLARIS/GLPOST)   JOB(PLGLPOST) JOBQ(POLARIS/NITEQ)
-- reports (own jobs)
CALL POLARIS/AGERPT
CALL POLARIS/POLRPT

C.1 Full batch program set

Program	Purpose	Reads / calls	Inputs	Outputs	Frequency
POLISSUE	Issue a pending (Q) policy: sum coverages, rate, bind or decline.	CHAINs POLMST/CUSTMST, SETLL/READE COVMST, CALLs UWRPGM, WRITEs POLTRN 'I'.	PARM(POLNO, PRIOR-CLAIMS).	DSPLY POLISSUE POSTED=n DECLINE=n SKIP=n; POLMST→I, POLTRN 'I'.	On demand.
POLENDT	Endorse a coverage limit; re-rate premium delta.	CHAIN POLMST + COVMST (POLNO+COVCD KLIST), UPDATE both, WRITE POLTRN 'E'.	PARM(POLNO, COVCD, NEWLIMIT).	DSPLY POLENDT POSTED=n DELTA=amt REJECT=n; signed PREMCHG.	On demand.
POLRENEW	Renew inforce policies at/before a cutoff expiry.	SETLL *LOVAL / READ POLMST, re-sum COVMST, re-CALL UWRPGM, WRITE POLTRN 'R'.	PARM(CUTOFF-YYYYMMDD).	DSPLY POLRENEW RENEWED=n SKIPPED=n.	Batch (periodic).
POLCANCEL	Cancel a policy; pro-rate the unearned refund.	CHAIN(E) POLMST, %DECH proration, UPDATE, WRITE POLTRN 'C' (negative PREMCHG).	PARM(POLNO, ELAPSED-DAYS, TERM-DAYS).	DSPLY POLCANCEL POSTED=n REFUND=amt REJECT=n.	On demand.
BILLGEN	Generate 4 quarterly installments per inforce policy (idempotent).	SETLL/READ POLMST, CHAIN(E) BILLDUE dup-check, WRITE BILLDUE x4.	none (scans POLMST for PSTAT='I').	DSPLY BILLGEN GENERATED=n SKIPPED=n; BILLDUE rows (BSTAT='O').	Per term / day-end.
CASHPOST	Apply cash receipts oldest-due-first, partial-pay aware.	READ CASHREC, bounded 1..4 CHAIN(E) BILLDUE, UPDATE BILLDUE + POLMST.POLBAL.	none (scans CASHREC).	DSPLY CASHPOST FULL=n PARTIAL=n NOBILL=n.	Day-end.
AGERPT	Age outstanding installments into buckets; spooled report.	SETLL *LOVAL / READ AGELF, write AGEDARP PRTF.	none (scans AGELF).	DSPLY AGERPT CURRENT=.. D30=.. D60=.. D90PLUS=.. GRAND=..; AGEDARP spool.	Periodic.
CLMFNOL	First notice of loss: open a claim, initial reserve.	CHAIN(E) POLMST (must be inforce), WRITE CLMMST + CLMPMT 'R'.	PARM(CLMNO, POLNO, LOSSDT, CAUSE, COVCD, RESAMT).	DSPLY CLMFNOL ACCEPTED ... / REJECTED ....	On demand.
CLMADJ	Adjudicate a proposed reserve vs the coverage limit.	CHAIN(E) CLMMST + COVMST (POLNO+COVCD), UPDATE CLMMST, WRITE CLMPMT 'R'.	PARM(CLMNO, COVCD, PROPOSED-RESERVE).	DSPLY CLMADJ APPROVED ... / DENIED ....	On demand.
CLMPAY	Post a claim payment against the remaining limit.	CHAIN(E) CLMMST + COVMST, UPDATE CLMMST.TOTPAID, WRITE CLMPMT 'P'.	PARM(CLMNO, COVCD, PMTAMT).	DSPLY CLMPAY POSTED ... / REJECTED: EXCEEDS REMAINING LIMIT ....	On demand.
COMMCALC	Commission per bound transaction (I/E).	READ POLTRN, CHAIN POLMST→AGTMST, WRITE COMMST.	none (scans POLTRN).	DSPLY COMMCALC POSTED=n SKIP=n TOTCOMM=amt; COMMST rows.	Day-end.
GLPOST	Consolidate premium + commission into balanced DR/CR GLFEED rows.	READ POLTRN (I/E) + COMMST, embedded EXEC SQL INSERT into GLFEED.	none (scans POLTRN + COMMST).	DSPLY GLPOST BATCH=1 ROWS=n; GLFEED DR/CR rows.	Day-end.
POLRPT	COBOL: inforce premium by LOB + GLFEED cross-check.	READ POLMST (COMP-3 FD), EXEC SQL SELECT SUM over GLFEED.	none.	DSPLY POLRPT INFORCE-AUTO/HOME ..., GLFEED-PREMINC ..., CROSS-CHECK: IN/OUT OF BALANCE.	Periodic.

C.2 Lifecycle / billing / claims / GL detail

Underwriting & issuance — UWRPGM / POLISSUE

UWRPGM is a callable rating subprogram: given DOB, prior-claim count and a base premium, it hard-declines (status 'D', premium 0) on more than three prior claims; otherwise it derives an age band (Y25 under 25, SR 65+, else STD), CHAINs UWRATE for the factor, and returns base × factor, status 'A'. POLISSUE sums the policy's COVMST coverage premiums as the base, CALLs UWRPGM, and on approval posts TERMPRM and flips PSTAT to inforce; on decline it marks PSTAT='X'. It is idempotent per policy (only issues PSTAT='Q').

Seeded UWRATE factors (from the lifecycle driver):
  Y25 -> 1.500   (under 25)
  STD -> 1.000   (standard)
  SR  -> 0.900   (senior discount)
Expected DSPLY (standard risk, 800.00 base):
  UWRPGM RATECD=STD FACTOR=1.000 PREM=800.00

Endorsement / renewal / cancellation — POLENDT / POLRENEW / POLCANCEL

POLENDT re-rates a coverage proportionally (NEWPREM = OLDPREM × NEWLIMIT / OLDLIMIT), updates COVMST and POLMST.TERMPRM by the delta, and writes a signed 'E' transaction (the delta can be negative on a limit decrease). POLRENEW scans inforce policies whose EXPDT is at/before the cutoff parameter, extends the term (EFFDT := old EXPDT, EXPDT += 10000 on the YYYYMMDD integer — a simplified one-year step), re-rates and writes 'R'. POLCANCEL pro-rates the unearned premium via %DECH (half-adjusted packed division) from the caller-supplied elapsed/term day counts, sets PSTAT='C', and writes a negative-refund 'C' transaction; it rejects an already-cancelled policy.

Billing & cash — BILLGEN / CASHPOST / AGERPT

BILLGEN writes four quarterly installments per inforce policy: DUEAMT = TERMPRM/4 for installments 1–3 (packed DIV truncates), installment 4 absorbs the MVR remainder so the four sum exactly to TERMPRM (e.g. 1000.01 → 250, 250, 250, 250.01). Due dates use a synthetic EFFDT + (INSTNO-1)×100 scheme. It is idempotent: if installment 1 already exists for a policy, the whole policy is skipped. CASHPOST applies each CASHREC receipt to the single oldest open/partial installment (bounded 1..4 CHAIN), marking it 'P' (full) or 'D' (partial) and decrementing POLMST.POLBAL by the amount applied. AGERPT ages the outstanding (non-'P') installments over AGELF (keyed by due date) into CURRENT/30/60/90+ buckets against a synthetic as-of date, writing the AGEDARP spooled report and DSPLYing the bucket totals.

Expected DSPLY (billing/cash examples):
  BILLGEN GENERATED=2 SKIPPED=0        2 inforce policies billed
  BILLGEN GENERATED=0 SKIPPED=2        idempotent rerun
  CASHPOST FULL=1 PARTIAL=1 NOBILL=0   one full, one partial pay

Claims — CLMFNOL / CLMADJ / CLMPAY

CLMFNOL validates the policy is inforce, opens CLMMST (CSTAT='O', TOTRES=reserve) and writes an initial reserve CLMPMT 'R' row. CLMADJ CHAINs the claim then the coverage (POLNO+COVCD); if the proposed reserve fits the coverage limit it is APPROVED (TOTRES updated, CSTAT stays 'O'), else DENIED (CSTAT='D', TOTRES unchanged) — either way a CLMPMT 'R' row is written to keep the history complete. CLMPAY posts against remaining limit = COVLIMIT - TOTPAID; if the payment fits it writes CLMPMT 'P' and updates TOTPAID, else it is rejected with no row written.

Expected DSPLY (claims examples):
  CLMFNOL ACCEPTED CLMNO=CLM00001 POLNO=POL00001 RESERVE=2000.00 COVCD=COL
  CLMADJ APPROVED CLMNO=CLM00001 RESERVE=2000.00 LIMIT=5000.00
  CLMADJ DENIED   CLMNO=CLM00003 PROPOSED=9000.00 LIMIT=5000.00
  CLMPAY POSTED   CLMNO=CLM00001 AMT=1500.00 TOTPAID=1500.00 REMAIN=3500.00
  CLMPAY REJECTED: EXCEEDS REMAINING LIMIT CLMNO=CLM00001 REQ=4000.00 REMAIN=3500.00

Commissions, GL & the COBOL cross-check — COMMCALC / GLPOST / POLRPT

COMMCALC walks POLTRN in arrival order, posts a commission for every bound ('I' or 'E') transaction (COMMAMT = PREMCHG × COMMPCT/100 via a two-hop CHAIN POLTRN→POLMST→AGTMST), and skips other transaction types. GLPOST posts a balanced DR/CR pair per premium transaction (1200-AR/4000-PREM) and per commission (6100-CEXP/2100-CPAY) into GLFEED via embedded EXEC SQL INSERT. The ILE COBOL POLRPT totals inforce premium by LOB and cross-checks it against a GLFEED SUM, printing "IN BALANCE" or "OUT OF BALANCE".

Expected DSPLY (commission/GL examples):
  COMMCALC POSTED=3 SKIP=1 TOTCOMM=235.00   3 bound txns, 1 'C' skipped
  GLPOST BATCH=1 ROWS=6
  POLRPT INFORCE-AUTO     1 PREM    1200.00
  POLRPT GLFEED-PREMINC   3 AMT     2150.00
  POLRPT CROSS-CHECK: IN BALANCE            when TERMPRM matches GLFEED

C.3 Ordering & dependencies

• Lifecycle before COMMCALC / GLPOST. Commissions and the GL premium feed read POLTRN bound transactions, so the issue/endorse/renew/cancel events must be posted first.
• BILLGEN before CASHPOST. There must be installments on file before cash can be applied to them; CASHPOST reports NOBILL for a receipt with no open installment.
• COMMCALC before GLPOST. GLPOST posts commission rows from COMMST, which COMMCALC writes; run COMMCALC first so the commission half of the GL batch is present.
• Within claims: CLMFNOL (open + initial reserve) → CLMADJ (adjudicate) → CLMPAY (pay), in that order.
• Reports last. Run AGERPT after billing/cash so aging reflects the day, and POLRPT after GLPOST so the cross-check has the premium feed.
• Job-queue ordering is not automatic. The *JOBQ is FIFO-within-priority and does not gate on predecessors; the scheduler/operator enforces the order (release-and-wait), as the day-cycle driver does.

D. Data Files (data dictionary) ↑ top

All files are in library POLARIS, grounded in the DDS/SQL source in src/sources.mjs. Dates are stored as zoned 8S 0 (or the SQL INT/DECIMAL for GLFEED) in YYYYMMDD form — plain integers, not a *DATE type. Money is packed decimal (9P 2 etc.); commission percent is 5P 2; rating factor is 5P 3.

CUSTMST — Customer / insured master (PK CUSTNO)

Field	Type (DDS)	Meaning
CUSTNO	6A	Customer number (unique key).
CNAME	25A	Customer name.
ADDR / CITY / ST / ZIP	25A / 15A / 2A / 5A	Mailing address.
DOB	8S 0	Date of birth (YYYYMMDD) — drives the age band in UWRPGM.

AGTMST — Producer / agent master (PK AGTNO)

Field	Type	Meaning
AGTNO	4A	Agent number (unique key).
AGTNAME	20A	Agency name.
COMMPCT	5P 2	Commission rate percent (e.g. 11.00).
ASTAT	1A	Agent status (A active).

POLMST — Policy header master (PK POLNO; FK CUSTNO, AGTNO)

Field	Type	Meaning
POLNO	8A	Policy number (unique key), e.g. POL00001.
CUSTNO	6A	Owning insured.
AGTNO	4A	Servicing agent (drives commission).
LOB	1A	Line of business: A auto, H homeowners.
EFFDT / EXPDT	8S 0	Term effective / expiry date (YYYYMMDD).
PSTAT	1A	Status: Q quoted/pending, I inforce, C cancelled, X declined/expired, R renewed.
TERMPRM	9P 2	Term premium (posted at issue, adjusted by endorsement/renewal/cancel).
POLBAL	9P 2	Policy balance (decremented by cash applied in CASHPOST).

POLTRN — Policy transaction / audit log (PK TRANID; journaled)

Field	Type	Meaning
TRANID	8S 0	Arrival-sequence transaction id (unique key).
POLNO	8A	Policy the transaction belongs to.
TRANTYPE	1A	I issue, E endorsement, R renewal, C cancellation.
TRANDT	8S 0	Transaction date (YYYYMMDD).
PREMCHG	9P 2	Signed premium change (negative on a cancel refund or limit decrease).

POLLF — logical over POLTRN keyed POLNO+TRANID for per-policy transaction history.

COVMST — Coverage / risk items (PK POLNO+COVCD)

Field	Type	Meaning
POLNO / COVCD	8A / 3A	Policy + coverage code (composite unique key), e.g. BI/COL.
COVLIMIT	9P 2	Coverage limit (adjudication ceiling in claims).
DEDUCT	7P 2	Deductible.
COVPREM	9P 2	Coverage premium (summed as the policy base premium at issue).

COVLF — logical over COVMST keyed POLNO for the POLINQ coverage list.

UWRATE — Underwriting rating factors (PK RATECD)

Field	Type	Meaning
RATECD	3A	Rate code (Y25 / STD / SR) (unique key).
FACTOR	5P 3	Rating multiplier (e.g. 1.500 / 1.000 / 0.900).
RDESC	20A	Description.

BILLDUE — Billing installments (PK POLNO+INSTNO)

Field	Type	Meaning
POLNO / INSTNO	8A / 2S 0	Policy + installment number 1–4 (composite unique key).
DUEDT	8S 0	Synthetic due date (EFFDT + (INSTNO-1)×100).
DUEAMT	9P 2	Installment due (quarterly split; inst 4 absorbs the remainder).
PAIDAMT	9P 2	Amount paid so far on the installment.
BSTAT	1A	O open (paid 0), D partially paid, P fully paid.

AGELF — logical over BILLDUE keyed DUEDT+POLNO so the aging pass reads oldest-due-first.

CASHREC — Cash receipts (PK RCPTNO)

Field	Type	Meaning
RCPTNO	8S 0	Receipt number (unique key).
POLNO	8A	Policy the receipt is for.
RCPTDT	8S 0	Receipt date.
CAMT	9P 2	Cash amount received.

CLMMST — Claim header / FNOL (PK CLMNO)

Field	Type	Meaning
CLMNO	8A	Claim number (caller-assigned unique key).
POLNO	8A	Policy the claim is against.
LOSSDT	8S 0	Loss date.
CAUSE	20A	Cause of loss.
CSTAT	1A	O open, C closed, D denied.
TOTRES / TOTPAID	9P 2	Total reserved / total paid.

CLMPMT — Reserve / payment lines (PK PMTID)

Field	Type	Meaning
PMTID	8S 0	Arrival-sequence line id (unique key).
CLMNO	8A	Owning claim.
PMTDT	8S 0	Line date.
PMTAMT	9P 2	Line amount.
PMTTYPE	1A	R reserve, P payment.

CLMPLF — logical over CLMPMT keyed CLMNO+PMTID, the source of the CLMINQ subfile.

COMMST — Commission lines (unkeyed, arrival sequence)

Field	Type	Meaning
AGTNO	4A	Agent earning the commission.
POLNO	8A	Policy the commission is on.
TRANID	8S 0	The bound POLTRN transaction id it derives from.
COMMAMT	9P 2	Commission amount (PREMCHG × COMMPCT/100).

Unkeyed by design (PLAN.md section 2). This arrival-sequence file is where platform finding polaris-c-1 shows up on rerun (section F.5).

GLFEED — GL posting feed (SQL DDL table)

Column	Type	Meaning
BATCHID	INTEGER	Posting batch id.
ACCT	CHAR(10)	Account: 1200-AR, 4000-PREM, 6100-CEXP, 2100-CPAY.
DRCR	CHAR(1)	D debit, C credit.
AMT	DECIMAL(9,2)	Posting amount.
SRCPGM	CHAR(10)	Source program (GLPOST).

Created via RUNSQLSTM from the GLFEED SQL member — the one table on the SQL-DDL path rather than DDS.

Relationships

• POLMST.CUSTNO → CUSTMST.CUSTNO; POLMST.AGTNO → AGTMST.AGTNO.
• POLMST.RATEBP-equivalent: TERMPRM is derived at issue from summed COVMST premiums × the UWRATE factor.
• POLTRN.POLNO → POLMST.POLNO (per-policy audit log; POLLF is the per-policy view).
• COVMST.POLNO → POLMST.POLNO (COVLF is the per-policy coverage view).
• BILLDUE.POLNO → POLMST.POLNO (AGELF ages by due date); CASHREC.POLNO → POLMST.POLNO.
• CLMMST.POLNO → POLMST.POLNO; CLMPMT.CLMNO → CLMMST.CLMNO (CLMPLF is the per-claim view).
• COMMST.TRANID → POLTRN.TRANID; COMMST.AGTNO → AGTMST.AGTNO.
• GLFEED is an aggregate feed (no per-row FK); POLRPT cross-checks it against POLMST.TERMPRM.

E. Operations Runbook ↑ top

E.1 Day-in-the-life

1. Confirm the build. On a fresh system, CALL PGM(POLARIS/PLSETUP) builds the whole library and journals POLTRN; confirm the joblog shows POLARIS data model ready and that POLTRN is journaled to PLJRN.
2. Issue new business on demand. For each pending (Q) policy with its coverages on file: CALL POLARIS/POLISSUE PARM('<POLNO>' '<prior-claims>'); confirm POSTED=1 and that POLMST is now PSTAT='I' with a POLTRN 'I' row. (Be aware of finding PG-002 & PG-003 below.)
3. Handle mid-term changes on demand. POLENDT for endorsements, POLCANCEL for cancellations, each with the appropriate parameters.
4. Handle claims as they arrive. CLMFNOL → CLMADJ → CLMPAY in order; check each DSPLY line for ACCEPTED/APPROVED/POSTED.
5. Look policies and claims up online. CALL POLARIS/POLMENUP (or POLINQ/CLMINQ directly) to inspect a policy header + coverages, or a claim header + its reserve/payment subfile.
6. Run the day-end batch chain. BILLGEN → CASHPOST → COMMCALC → GLPOST (submit to a JOBQ, releasing in that order), then the AGERPT and POLRPT reports.

Pre-checks: confirm the job's library list includes POLARIS; confirm the master data an operator relies on (customers, agents, UWRATE factors) is on file before issuing.

Post-checks after the batch chain:

• BILLGEN GENERATED=n SKIPPED=m — n equals the inforce policies not yet billed this term; a rerun should show GENERATED=0 (idempotent).
• CASHPOST FULL=n PARTIAL=n NOBILL=n — NOBILL flags receipts with no open installment; POLMST.POLBAL decremented only by what was actually applied.
• COMMCALC POSTED=n SKIP=m TOTCOMM=amt — one commission per bound (I/E) transaction; non-bound types skipped.
• GLPOST BATCH=1 ROWS=n then verify SUM(DR)=SUM(CR) in GLFEED (below).

E.2 Day-end / period close

1. Confirm all the day's lifecycle and claims events have posted (POLTRN and CLMMST reflect them).
2. Run the batch chain in dependency order (section C.3): BILLGEN, CASHPOST, COMMCALC, GLPOST.
3. Run the reports: AGERPT (aged receivables spool) and POLRPT (COBOL inforce premium + GLFEED cross-check).
4. Reconcile the figures below.

-- GL balance check (must be equal)
SELECT SUM(AMT) FROM POLARIS.GLFEED WHERE DRCR = 'D';
SELECT SUM(AMT) FROM POLARIS.GLFEED WHERE DRCR = 'C';
-- premium-income feed vs inforce term premium (POLRPT does this cross-check)
SELECT SUM(AMT) FROM POLARIS.GLFEED WHERE ACCT = '4000-PREM' AND DRCR = 'C';

Reconciling figures (the same ones the drivers verify against real SQL / decoded PF bytes):

• GL balance — SUM(DR) = SUM(CR) over the whole batch, true by construction (one DR + one CR per transaction). Even when PG-002 drives premiums to 0.00, the batch is still balanced (both sides 0.00).
• Premium-income feed — SUM(AMT) WHERE ACCT='4000-PREM' AND DRCR='C' equals the sum of bound premium changes fed by GLPOST (e.g. 1200 + 800 + 150 = 2150.00).
• Commission-payable feed — SUM(AMT) WHERE ACCT='2100-CPAY' AND DRCR='C' equals total commission (e.g. 120 + 100 + 15 = 235.00).
• Inforce premium by LOB — POLRPT's INFORCE-AUTO/INFORCE-HOME totals equal SUM(TERMPRM) over PSTAT='I' policies of each LOB; Q/C/X policies excluded.
• Cross-check — POLRPT prints IN BALANCE when inforce TERMPRM equals GLFEED premium income, else OUT OF BALANCE. A legitimate OUT OF BALANCE arises when an endorsement's PREMCHG is in the GL feed but POLMST.TERMPRM was not updated in the same seed — the cross-check is proving the COBOL EXEC SQL bridge really computes, not that the books are wrong.
• Aging — AGERPT's CURRENT/30/60/90+ bucket totals sum to the grand total outstanding, one detail line per non-fully-paid installment (fully-paid rows excluded).

E.3 Failure, re-run & known findings

Each program DSPLYs a one-line result to the joblog; a healthy run shows the expected counts. The table below covers ordinary re-run behavior and the three confirmed emulator findings an operator will actually encounter (full write-up in section F.5).

Situation	Behaviour	Action
BILLGEN re-run	Idempotent — policies already billed are skipped, no duplicate installments.	Safe to re-run; expect GENERATED=0.
CASHPOST re-run	Not idempotent — no posted-flag on CASHREC, so every receipt re-applies.	Clear/replace already-posted receipts (CLRPFM CASHREC) before re-running.
Rejected claim payment	CLMPAY over remaining limit writes no CLMPMT row; TOTPAID unchanged.	Correct the amount and retry; DSPLY explains the rejection.
Denied reserve	CLMADJ over the coverage limit sets CSTAT='D', TOTRES unchanged, still logs a reserve row.	Re-adjudicate within limit if appropriate.
PG-002: issued premium is 0.00	POLISSUE's partial-key coverage-sum mis-resolves; TERMPRM lands at 0.00, cascading to 0.00 bills/commission/GL.	Known platform finding; app source left unworked-around. Values are internally consistent (screen matches disk). Do not treat as data loss.
PG-003: second POLISSUE loses a prior policy	Calling POLISSUE a second time against a different policy in the same job/root corrupts POLMST and can silently drop the earlier policy's row (shared-field key stomp).	Issue one policy per job/root, or power-cycle between issues. Confirmed platform finding; do not chain POLISSUE calls in one job.
polaris-c-1: COMMST truncates on rerun	Re-running COMMCALC truncates COMMST (unkeyed O-usage file OPENs OUTPUT) instead of appending, so it holds only the latest run's rows.	Known platform finding; COMMCALC re-computes correctly each run, but do not rely on cross-run accumulation in COMMST.

F. Developer Reference ↑ top

The complete program surface, from src/sources.mjs. All objects are in library POLARIS. RPG source is the classic column-exact fixed-form C/D-spec style with embedded /free blocks; COBOL is ILE with COPY SQLCA and EXEC SQL.

F.1 Programs (17 RPG + 1 COBOL)

UWRPGM — RPGLE, callable rating subprogram (dcl-pi)

IN: DOB(8,0), prior-claims(3,0), base-prem(9,2). OUT: rated prem(9,2), status(1) A/D. Hard-declines on claims>3; else age-band (Y25/STD/SR) → CHAIN UWRATE → base × FACTOR. Called by POLISSUE and POLRENEW via dcl-pr ... extpgm('UWRPGM') / CALLP.

POLISSUE (IN POLNO(8), PRIOR-CLAIMS(3))

Idempotent guard (only PSTAT='Q'); real DOB via CHAIN CUSTMST; SETLL/READE COVMST to sum coverage premiums; SETGT *HIVAL/READP POLTRN for the next TRANID; CALLP UWRPGM; on approve UPDATE POLMST (TERMPRM, PSTAT='I') + WRITE POLTRN 'I'; on decline PSTAT='X' + 'I' row with 0 PREMCHG. Restores the shared POLNO after the READP before UPDATE.

POLENDT (IN POLNO(8), COVCD(3), NEWLIMIT(9,2))

Guards PSTAT='I'; KLIST CHAIN COVMST (POLNO+COVCD); NEWPREM = %dech(OLDPREM × NEWLIMIT / OLDLIMIT); UPDATE COVMST + POLMST.TERMPRM by delta; WRITE POLTRN 'E' with signed delta.

POLRENEW (IN CUTOFF(8,0))

SETLL *LOVAL / READ POLMST forward pass; for PSTAT='I' with EXPDT≤CUTOFF: re-sum COVMST, re-CALL UWRPGM, extend term (EFFDT:=EXPDT, EXPDT+=10000), UPDATE POLMST, WRITE POLTRN 'R'. Saves/restores the shared POLNO around the arrival-seq READP.

POLCANCEL (IN POLNO(8), ELAPSED(5,0), TERMDAYS(5,0))

Guards not-already-'C'; UNEARNED = %dech(TERMPRM × (TERMDAYS-ELAPSED) / TERMDAYS); PSTAT='C', TERMPRM:=earned; WRITE POLTRN 'C' with PREMCHG = -UNEARNED.

BILLGEN — RPGLE, no parms

SETLL/READ POLMST; for PSTAT='I', CHAIN(E) BILLDUE inst 1 dup-check, then WRITE 4 installments (TERMPRM/4 via DIV, inst 4 += MVR remainder), BSTAT='O'.

CASHPOST — RPGLE, no parms

READ CASHREC arrival order; per receipt, bounded 1..4 CHAIN(E) BILLDUE to the oldest open/partial installment; full pay → BSTAT='P', partial → BSTAT='D'; UPDATE BILLDUE + CHAIN/UPDATE POLMST.POLBAL by amount applied.

AGERPT — RPGLE, no parms

SETLL *LOVAL / READ AGELF (by due date); for BSTAT≠'P', bucket via WASOF-DUEDT (CURRENT/30/60/90+), accumulate, write AGEDARP DETAIL; TOTLINE grand total; DSPLY bucket totals. Uses nested if/else (not elseif) — see polaris-c-2.

CLMFNOL (IN CLMNO(8), POLNO(8), LOSSDT(8,0), CAUSE(20), COVCD(3), RESAMT(9,2))

CHAIN(E) POLMST, reject if not found / not inforce; SETGT *HIVAL/READP CLMPMT for next PMTID; WRITE CLMMST (CSTAT='O', TOTRES=RESAMT) + CLMPMT 'R'.

CLMADJ (IN CLMNO(8), COVCD(3), PROPOSED(9,2))

CHAIN(E) CLMMST then COVMST (POLNO+COVCD); proposed≤COVLIMIT → APPROVED (TOTRES set, CSTAT='O'), else DENIED (CSTAT='D'); restore CLMNO (shared with CLMPMT, clobbered by the READP) before UPDATE; WRITE CLMPMT 'R' either way.

CLMPAY (IN CLMNO(8), COVCD(3), PMTAMT(9,2))

CHAIN(E) CLMMST then COVMST; remaining = COVLIMIT-TOTPAID; if PMTAMT fits, restore CLMNO, UPDATE TOTPAID, WRITE CLMPMT 'P'; else reject with no row.

COMMCALC — RPGLE, no parms

READ POLTRN; for TRANTYPE I/E, two-hop CHAIN POLMST→AGTMST, COMMAMT = PREMCHG × COMMPCT / 100, WRITE COMMST. (Shared POLNO/AGTNO/TRANID globals carry across the CHAINs.)

GLPOST — RPGLE, no parms, embedded EXEC SQL

Pass 1 POLTRN I/E with PREMCHG≠0 → DR 1200-AR / CR 4000-PREM; pass 2 COMMST → DR 6100-CEXP / CR 2100-CPAY; each pair one EXEC SQL INSERT INTO POLARIS.GLFEED under BATCHID 1.

POLINQ / CLMINQ / POLMENUP — RPGLE WORKSTN

POLINQ EXFMT POLINQF, CHAIN POLMST + loop COVLF (4 lines). CLMINQ EXFMT CLMCTL, CHAIN CLMMST + load CLMSFL subfile from CLMPLF (SFILE RRN counter). POLMENUP EXFMT MENUFMT, indicator-conditioned dynamic CALL to POLINQ/CLMINQ.

POLRPT — ILE COBOL

Indexed FD over POLMST with COMP-3 fields matching the packed DDS byte-for-byte; totals inforce premium by LOB (EVALUATE POL-LOB); EXEC SQL SELECT COUNT/SUM over GLFEED premium-income rows; prints IN/OUT OF BALANCE.

F.2 Files, keys & the shared-field model

A defining characteristic of this application (and the root of two of its platform findings) is RPG's flat externally-described-field namespace: fields with the same name across two open files resolve to a single shared program global. POLNO is declared in POLMST, POLTRN, COVMST, BILLDUE, CASHREC, CLMMST and COMMST; CLMNO in CLMMST and CLMPMT; AGTNO/TRANID across several. Programs exploit this deliberately (after a CHAIN, the shared field already holds the right value for the next file — COMMCALC's two-hop lookup relies on it), but it also means that any positioning op (SETGT *HIVAL/READP over an arrival-sequence PF) clobbers the shared key, which is why POLISSUE/POLENDT/POLRENEW/CLMADJ/CLMPAY explicitly MOVEL the saved key back before their UPDATE/WRITE. These restores are real, correct RPG discipline in the source; where the emulator still diverges despite them, it is logged as a finding (F.5).

F.3 Journaling

POLTRN is journaled to PLJRN (receiver PLJRNRCV) with IMAGES(*BOTH), set up by PLSETUP via CRTJRNRCV/CRTJRN/STRJRNPF. Every RPG WRITE against POLTRN produces an R PT journal entry stamped with the caller job; an UPDATE produces a UB before-image and a UP after-image. DSPJRN JRN(POLARIS/PLJRN) FILE(POLARIS/POLTRN) renders seq/code/type/object/job; CHGJRN rolls to a new receiver and entries keep accumulating across the boundary; ENDJRNPF writes an F JE entry and (only then) DLTJRN can delete the journal (DLTJRN is refused with SFF7021 while the file is still journaled). The whole setup is cleanly re-runnable on every fresh build. This is proven independently in pl_journal.mjs.

F.4 Conventions & DSPLY signatures

Each program's joblog summary line is the operational signal to check. The confirmed formats are:

Program	DSPLY signature
UWRPGM	UWRPGM RATECD=<cd> FACTOR=<f> PREM=<p> / UWRPGM DECLINE CLAIMS=<n>
POLISSUE	POLISSUE POSTED=<n> DECLINE=<n> SKIP=<n>
POLENDT	POLENDT POSTED=<n> DELTA=<amt> REJECT=<n>
POLRENEW	POLRENEW RENEWED=<n> SKIPPED=<n>
POLCANCEL	POLCANCEL POSTED=<n> REFUND=<amt> REJECT=<n>
BILLGEN	BILLGEN GENERATED=<n> SKIPPED=<n>
CASHPOST	CASHPOST FULL=<n> PARTIAL=<n> NOBILL=<n>
AGERPT	AGERPT CURRENT=.. D30=.. D60=.. D90PLUS=.. GRAND=..
CLMFNOL	CLMFNOL ACCEPTED CLMNO=.. POLNO=.. RESERVE=.. COVCD=.. / REJECTED: ...
CLMADJ	CLMADJ APPROVED CLMNO=.. RESERVE=.. LIMIT=.. / CLMADJ DENIED ...
CLMPAY	CLMPAY POSTED CLMNO=.. AMT=.. TOTPAID=.. REMAIN=.. / REJECTED: EXCEEDS REMAINING LIMIT ...
COMMCALC	COMMCALC POSTED=<n> SKIP=<n> TOTCOMM=<amt>
GLPOST	GLPOST BATCH=<n> ROWS=<n>
POLRPT	POLRPT INFORCE-AUTO/HOME .., GLFEED-PREMINC .., CROSS-CHECK: IN/OUT OF BALANCE

F.5 Confirmed platform findings

POLARIS/i was built to stress the SteelFrame X emulator; its findings log records emulator divergences from real IBM i behavior, left unworked-around in the app source. Three affect what an operator sees:

PG-002 (a.k.a. RPG partial-key SETLL/READE on unique files) — HIGH

A partial-key SETLL/READE over a unique-keyed file (only the leading key supplied) mis-resolves on the emulator, comparing against the full composite key. POLISSUE's coverage-sum loop over COVMST hits this, so an issued policy's TERMPRM lands at 0.00, cascading into 0.00 bills, commission and GL. CASHPOST works around the same behavior with an explicit bounded 1..4 full-key CHAIN; AGERPT exercises the genuine partial-key path over AGELF unworked-around.

PG-003 (RPG-SHAREDFIELD-001, second-POLISSUE corruption) — CRITICAL

Calling POLISSUE a second time in the same job/root against a different policy corrupts POLMST and can silently drop a previously-issued policy's row, root-caused to the shared-field model (POLNO across POLMST/COVMST/POLTRN collapsing onto one storage item, so a later file's positioning stomps an earlier key). Operationally: issue one policy per job, or power-cycle between issues. The lifecycle driver splits phases across fresh roots specifically to avoid re-triggering it.

polaris-c-1 (unkeyed O-usage DISK file truncates on OPEN) — and polaris-c-2 (free-form if/elseif emits one too few END-IF) — MEDIUM

polaris-c-1: an unkeyed arrival-sequence PF opened with RPG usage O compiles to COBOL OPEN OUTPUT and truncates on every CALL instead of appending; COMMST is unkeyed, so re-running COMMCALC leaves only the latest run's rows (the RPG logic still re-computes correctly each run). polaris-c-2: the free-form if/elseif/endif translator emits one fewer END-IF than opened when a chain has any elseif, silently orphaning scope; the app avoids it by using nested if/else throughout (AGERPT's bucketing, POLMENUP's option routing) — not to dodge the bug, but because nested if/else is an equally idiomatic construct proven correct in isolation.

All are documented in the app's own BUGS-AND-GAPS.md with minimal standalone repros; the emulator source (ibmi/*.js) is left unmodified.

G. Glossary ↑ top

Adjudication

Deciding a claim reserve against the coverage limit (CLMADJ): approve within limit (CSTAT stays open), deny over limit (CSTAT='D').

Aging / aged receivables

Classifying outstanding installments by how overdue they are — CURRENT / 30 / 60 / 90+ — against an as-of date (AGERPT, over the AGELF logical keyed by due date).

Bound transaction

A POLTRN transaction that creates or changes premium under a policy: issue ('I') or endorsement ('E'). Commissions and the GL premium feed are computed from bound transactions.

Coverage / coverage code (COVMST, COVCD)

One insured peril line on a policy (e.g. BI, PD, COL for auto; DWELL/CONTENTS/LIAB for home), each with a limit, deductible and premium. A policy is a header plus N coverage rows.

Endorsement

A mid-term change to a policy (POLENDT) — here a coverage-limit change that re-rates the premium and posts a signed 'E' transaction.

FNOL — First Notice Of Loss

The intake event that opens a claim (CLMFNOL): validates the policy is inforce, records cause and loss date, sets an initial reserve.

Idempotent

Safe to run again with the same result. BILLGEN is idempotent (dup-check on installment 1); CASHPOST is not (no posted-flag on receipts).

Inforce (PSTAT='I')

A bound, active policy. Only inforce policies are billed, renewed, endorsed, and can have claims opened against them.

Installment (BILLDUE)

One of the four quarterly premium instalments BILLGEN generates per inforce policy; instalments 1–3 are TERMPRM/4 and instalment 4 absorbs the truncation remainder.

Journaling (PLJRN, IMAGES(*BOTH))

Capturing every WRITE (R PT) and UPDATE (UB before-image + UP after-image) against POLTRN, with the caller job stamp — the audit/recovery trail for the transaction log.

LOB — Line Of Business

The product line of a policy: A (auto) or H (homeowners). POLRPT totals inforce premium by LOB.

Pro-rated / unearned premium

On cancellation (POLCANCEL), the portion of the term premium not yet earned, refunded as a negative PREMCHG: UNEARNED = TERMPRM × (TERMDAYS-ELAPSED) / TERMDAYS.

Rate tier / rating factor (UWRATE)

An age-band multiplier (Y25=1.500 under 25, STD=1.000, SR=0.900 senior) applied to the base premium in underwriting.

SBMJOB / *JOBQ

Submit Job / a job queue — the IBM i idiom for queuing a batch program (e.g. the day-end chain onto POLARIS/NITEQ). The queue is FIFO-within-priority; ordering across dependent jobs is the scheduler's job.

Shared field (externally-described)

An RPG field of the same name across two open files resolves to one shared program global. Exploited for cross-file lookups, and the reason positioning ops must restore a saved key before UPDATE/WRITE.

Subfile (SFL/SFLCTL)

A 5250 display construct listing many rows on one screen. CLMINQ's claim-payment list is the app's one subfile (CLMSFL under CLMCTL, SFLPAG(10)).

Waterfall (cash application)

CASHPOST applies a receipt to the single oldest open/partial installment, marking it fully paid or partially paid; excess is not carried forward (a deliberately simple, documented convention).