# Josan Labs

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

Josan Labs publishes credit-risk tooling and applied analysis from practice: a Python library (`cranalytics`), a live lending calculator suite (Lending Concepts), and visual writeups of portfolio analysis. Every page below is available as Markdown.

## 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 fetch 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.

## Projects

- [cranalytics](https://josanlabs.com/projects/cranalytics.md): Python package for vintage analysis, loss forecasting, and credit portfolio diagnostics.
- [Analytics Gallery](https://josanlabs.com/projects/analytics-gallery.md): Collection of chart treatments, visual explainers, and polished analytical artifacts that are better shown than described.
- [Lending Concepts](https://josanlabs.com/projects/lending-tools.md): Live financial modeling suite covering amortization, rates, prepayment, and other lending workflows.
- [pqfi-econ](https://josanlabs.com/projects/pqfi-econ.md): Private research and data engine used to support public market and lending analysis.

## Site pages

- [Home](https://josanlabs.com/index.md): Credit risk tools and analytical work in public — libraries, interactive tools, and project writeups.
- [Projects](https://josanlabs.com/projects.md): Technical work in lending, credit risk, and markets published under Josan Labs.
- [Gallery](https://josanlabs.com/gallery.md): Visual examples from tools, project work, and market-facing artifacts published under Josan Labs.
- [About](https://josanlabs.com/about.md): Background and focus for the work behind Josan Labs.
- [Contact](https://josanlabs.com/contact.md): Direct contact paths for the work behind Josan Labs.
- [Privacy](https://josanlabs.com/privacy.md): What Josan Labs collects, what it does not, and how the site handles analytics, logs, and email.

## External surfaces

- [cranalytics documentation](https://cranalytics.josanlabs.com): Python package docs and tutorials for vintage analysis, lifetime loss forecasting, and portfolio segmentation.
- [Lending Concepts](https://concepts.josanlabs.com): Live browser app for amortization, pricing, and lending scenario workflows.

## Optional

- [Agent instructions](https://josanlabs.com/agents.md): Full when-to-use guidance, fetch conventions, and endpoint list.
- [Sitemap](https://josanlabs.com/sitemap.xml): Every indexable URL with lastmod dates.