When I started building Vicquant, the core design principle was simple and non-negotiable: the AI never does the math. Every number and a debt payoff schedule, a backtested win rate, a risk metric is computed by deterministic code. The model's only job is to explain results in plain language, never to generate a number from scratch. That principle protects users from one kind of failure: a model confidently inventing a wrong calculation. But it doesn't protect against a second, quieter failu...