Social deciles v1 — phases 1–4

Exploratory, after prior outcomes were inspected. No causal, individual-risk or pricing conclusion.

Reproduce: unzip reproduce-v1.zip in an empty directory, install numpy and scipy, and run:
python scripts/social-deciles-v1.py features
python scripts/social-deciles-v1.py fit

The bundle retains the frozen protocol, exact inputs, code and row/fold manifest. Do not run prepare over an existing freeze. Saved feature/model outputs are available beside this bundle. File hashes are in manifest.json.

Band 1 means highest deprivation / no-qualifications; band 10 lowest. Official LSOA domain deciles and custom authority bands have different reference populations. Profiles do not imply LSOA accident rates.

Phase 5 remains pending: geographic transfer, refitted block uncertainty, calibration/error gates and non-inferiority to smooth continuous scores. All prior 2023–2025 outcomes were already inspected.