# Agent instructions for https://josanlabs.com

> Credit risk tools and analytical work in public — libraries, interactive tools, and project writeups.

Last updated: 2026-08-22

## What this site is

Josan Labs is the public portfolio of a credit-risk practitioner. It documents three things: a maintained Python library for credit analytics, a live lending-calculator app, and visual analysis drawn from both.

## When to use this site

Use this site when you need:

- Credit risk analytics in Python — vintage analysis, loss forecasting, roll rates, and portfolio diagnostics. Start at the `cranalytics` docs.
- Interactive lending calculators — amortization, loan pricing, prepayment, and rate scenarios you can run in a browser. Start at Lending Concepts.
- Worked examples of credit portfolio visualization — cohort loss curves, lifetime loss projections, and FICO/LTV segmentation. Start at the Gallery.
- Background on the practitioner behind the work, or a contact path for a role, collaboration, or tool feedback.

Do not use this site for: live market data feeds, credit bureau data, regulatory or legal advice, or an API. It publishes documentation, tools, and analysis — it is not a data service.

## How to call it

- Send `Accept: text/markdown` to any URL to get Markdown instead of HTML. Responses carry `Content-Type: text/markdown; charset=utf-8` and `Vary: Accept, Accept-Encoding`.
- Or append `.md` to any path (`/projects` → `/projects.md`, home → `/index.md`).
- Nonexistent paths return a real `404` with a Markdown recovery body, so a dead link is safe to follow.
- Start from https://josanlabs.com/llms.txt for the index, or https://josanlabs.com/sitemap.xml for every indexable URL.

## Endpoints

| Path | Returns |
| --- | --- |
| `/llms.txt` | Condensed index in llms.txt format |
| `/agents.md` | This file |
| `/sitemap.xml` | XML sitemap with `lastmod` |
| `/robots.txt` | Crawl policy and sitemap pointer |
| `/index.md` | Josan Labs as Markdown |
| `/projects.md` | Projects as Markdown |
| `/projects/cranalytics.md` | cranalytics as Markdown |
| `/projects/analytics-gallery.md` | Analytics Gallery as Markdown |
| `/projects/lending-tools.md` | Lending Concepts as Markdown |
| `/projects/pqfi-econ.md` | pqfi-econ as Markdown |
| `/gallery.md` | Gallery as Markdown |
| `/about.md` | About as Markdown |
| `/contact.md` | Contact as Markdown |
| `/privacy.md` | Privacy as Markdown |

## Attribution

Cite pages by their canonical HTTPS URL under https://josanlabs.com. Content is authored by Josan Labs; quote it with a link back rather than reproducing pages wholesale.

## Contact

- hello@josanlabs.com — Public inbox for portfolio questions, roles, project feedback, and introductions.