feat: the Loan Advisor acts on its own, and no human can press its button

The Advisor existed as a role and an activity that nothing ever invoked, so
the only way to see it act was to sign in as advisor.ai and click. That is a
person impersonating an agent. Either it works unprompted or it is not real.

 * AdvisorPanel shows the recommendation, and — the part worth showing — says
   plainly whether the manager issued the offer on those terms or departed
   from them, itemised. That is the governance question about an advisory
   agent: not whether it is clever, but whether an override is visible.
 * ACT.AI_OFFER is removed from STAGE_ACTIONS. A button whose only use is for
   a human to act as the agent should not exist, and its prefill draft goes
   with it.
 * offered_fee now follows the per-product grid (1.25% MSME / flat 2,500
   personal) instead of a blended 1.25%. The agents cite that clause by
   number now, so a contradiction would be on screen.

Backend, in sm2/custom-apps/hdfc-loan-desk: 11_advisor.sql (employee, the
hdfc_offer_structuring tool that prices every offered tenor, the pricing-grid
knowledge, and the wake on Approve) and 12_advise_on_clean_approval.sql (the
conditional wake for files the gate approves outright, which never touch
Approve at all).

src/api/config.ts

@@ -136,7 +136,13 @@ export const STAGE_ACTIONS: Record<string, Action[]> = {
   ],
   'Credit Approved': [
     { activity: ACT.MAKE_OFFER, label: 'Make Offer & Issue KFS', roles: ['rm_business_banking'], kind: 'primary' },
-    { activity: ACT.AI_OFFER, label: 'AI Offer Recommendation', roles: ['ai_loan_advisor'], kind: 'secondary' },
+    // ACT.AI_OFFER is deliberately ABSENT. It is the Loan Advisor's activity
+    // and the Advisor performs it unprompted, woken by the workflow itself
+    // (11_advisor.sql / 12_advise_on_clean_approval.sql). Listing it here
+    // would put a button on screen whose only purpose is for a person to
+    // sign in as the agent and press it — which is a person impersonating an
+    // agent, not an agent working. If it is not on this list, the only thing
+    // that can perform it is the thing that is supposed to.
     { activity: ACT.DECLINE, label: 'Decline', roles: ['rm_business_banking', 'credit_manager'], kind: 'danger' },
   ],
   'Offer Made': [

src/components/AdvisorPanel.tsx

@@ -0,0 +1,136 @@
+import { Sparkles, ArrowRight, Check } from 'lucide-react';
+import { Card, Badge } from './core';
+import type { Row } from '../api/types';
+import { str, num, money, pct } from '../format';
+
+/**
+ * The Loan Advisor's structuring recommendation.
+ *
+ * WHY THIS IS A SEPARATE CARD from the assessment. The Assessor's output is
+ * evidence about a file; this is a PROPOSAL about a contract. They carry
+ * different weight and a reader must not confuse them — an assessment that
+ * turns out wrong is a bad read, a recommendation that turns out wrong is a
+ * mispriced loan. So this card says "recommended, not offered" in as many
+ * words, and the numbers here are never shown in the same block as the
+ * committed offer.
+ *
+ * WHAT MAKES THIS WORTH SHOWING AT ALL. On its own, an agent suggesting terms
+ * is unremarkable. What is worth a client's attention is the last block: once
+ * the relationship manager has issued the offer, this card compares the two
+ * and says plainly whether the human took the advice or departed from it. That
+ * is the governance question a bank actually has about an advisory agent — not
+ * "is it clever" but "can I see when someone overruled it, and on what".
+ *
+ * Violet throughout, which is this app's one convention for model-written
+ * content. If a number in here is not violet it is not from the agent.
+ */
+
+function Row2({ label, value, hint }: { label: string; value: string; hint?: string }) {
+  return (
+    <div>
+      <div className="text-[11px] font-semibold uppercase tracking-wide text-ai/70">{label}</div>
+      <div className="tnum text-lg font-semibold text-ai">{value || '—'}</div>
+      {hint && <div className="mt-0.5 text-[11px] text-muted">{hint}</div>}
+    </div>
+  );
+}
+
+const CONFIDENCE_TONE = { high: 'emerald', medium: 'amber', low: 'rose' } as const;
+
+export function AdvisorPanel({ row }: { row: Row }) {
+  const amount = num(row.ai_suggested_amount);
+  const roi = num(row.ai_suggested_roi);
+  const tenure = num(row.ai_suggested_tenure);
+  const emi = num(row.ai_suggested_emi);
+  const rationale = str(row.ai_rationale);
+  const confidence = str(row.ai_confidence).toLowerCase();
+
+  // Nothing to show until the agent has run. An empty card on a file it has
+  // not reached reads as a failure rather than as "not yet".
+  if (amount === null && !rationale) return null;
+
+  // The committed offer, if a manager has issued one yet.
+  const offAmount = num(row.offered_amount);
+  const offRoi = num(row.offered_roi);
+  const offTenure = num(row.offered_tenure_months);
+  const hasOffer = offAmount !== null || offRoi !== null;
+
+  const departures: string[] = [];
+  if (hasOffer) {
+    if (offAmount !== null && amount !== null && offAmount !== amount)
+      departures.push(`amount ${money(amount)} → ${money(offAmount)}`);
+    if (offRoi !== null && roi !== null && offRoi !== roi)
+      departures.push(`rate ${pct(roi)} → ${pct(offRoi)}`);
+    if (offTenure !== null && tenure !== null && offTenure !== tenure)
+      departures.push(`tenor ${tenure} → ${offTenure} months`);
+  }
+
+  const tone = (CONFIDENCE_TONE as Record<string, 'emerald' | 'amber' | 'rose'>)[confidence];
+
+  return (
+    <Card
+      title={
+        <span className="inline-flex items-center gap-2 text-ai">
+          <Sparkles className="h-4 w-4" />
+          Recommended structure
+        </span>
+      }
+      subtitle="Proposed by an agent · advisory, not an offer"
+      className="border-ai-edge bg-ai-soft"
+    >
+      <div className="space-y-4 px-4 py-4">
+        <div className="grid grid-cols-2 gap-4">
+          <Row2 label="Amount" value={money(amount)} />
+          <Row2 label="Rate" value={pct(roi)} hint={roi !== null && roi > 14.5 ? 'deviation-priced' : 'standard grid'} />
+          <Row2 label="Tenor" value={tenure !== null ? `${tenure} months` : ''} hint="shortest that stays in policy" />
+          <Row2 label="Instalment" value={money(emi)} />
+        </div>
+
+        {rationale && (
+          <p className="border-t border-ai-edge pt-3 text-sm leading-relaxed text-ink">{rationale}</p>
+        )}
+
+        {confidence && (
+          <div className="flex items-center gap-2">
+            <span className="text-xs text-muted">Its own confidence</span>
+            <Badge tone={tone ?? 'slate'}>{confidence}</Badge>
+          </div>
+        )}
+
+        {/* The governance beat: did the human follow it? */}
+        {hasOffer && (
+          <div className="rounded-md border border-line bg-panel px-3 py-2.5">
+            {departures.length === 0 ? (
+              <p className="flex items-start gap-2 text-xs text-good">
+                <Check className="mt-0.5 h-3.5 w-3.5 shrink-0" />
+                The manager issued the offer on these terms unchanged.
+              </p>
+            ) : (
+              <div className="space-y-1">
+                <p className="flex items-center gap-2 text-xs font-semibold text-warn">
+                  <ArrowRight className="h-3.5 w-3.5" />
+                  The manager departed from this recommendation
+                </p>
+                <ul className="tnum space-y-0.5 pl-5 text-xs text-muted">
+                  {departures.map((d) => (
+                    <li key={d} className="list-disc">{d}</li>
+                  ))}
+                </ul>
+                <p className="pt-1 text-[11px] text-faint">
+                  Departing needs no approval — the recommendation is advisory. It is recorded so the
+                  departure is visible, not to prevent it.
+                </p>
+              </div>
+            )}
+          </div>
+        )}
+
+        <p className="border-t border-ai-edge pt-3 text-[11px] text-ai/80">
+          The agent read the file, priced every tenor the bank offers through a calculation tool and
+          chose from the result. It cannot issue an offer: its role holds permission on this one
+          advisory activity and on none of the fields an offer commits.
+        </p>
+      </div>
+    </Card>
+  );
+}

src/prefill.ts

@@ -102,7 +102,13 @@ export function prefillFor(
         offered_amount: base,
         offered_roi: roi,
         offered_tenure_months: tenure,
-        offered_fee: Math.round((base * 0.0125) / 500) * 500,
+        // Fee grid, HDFC-PR-2026.08 clause 4.1: 1.25% on the MSME product,
+        // flat 2,500 on the personal one. The agents cite this clause, so a
+        // single blended figure here would visibly contradict them.
+        offered_fee:
+          str(row.loan_product_family) === 'personal'
+            ? 2500
+            : Math.round((base * 0.0125) / 500) * 500,
       };
     }
 
@@ -126,15 +132,6 @@ export function prefillFor(
         disbursed_at: new Date().toISOString(),
       };
 
-    case ACT.AI_OFFER: {
-      const approved = num(row.cm_approved_amount);
-      const base = approved ?? (maxElig > 0 ? Math.min(requested, maxElig) : requested);
-      return {
-        ai_suggested_amount: base,
-        ai_suggested_roi: flag ? POLICY.indicativeRoi + 0.75 : POLICY.indicativeRoi,
-        ai_suggested_tenure: num(row.requested_tenure_months) ?? 36,
-      };
-    }
 
     // Declines open EMPTY. See rule 1 above — a pre-written reason for refusing
     // someone credit is not a convenience, and the reason is the whole record.

src/screens/ApplicationScreen.tsx

@@ -8,6 +8,7 @@ import { Badge, Button, Card, ErrorNote, Facts, Spinner } from '../components/co
 import { StageBadge, StageRail } from '../components/Stage';
 import { EvidencePanel } from '../components/EvidencePanel';
 import { AiDecisionPanel } from '../components/AiDecisionPanel';
+import { AdvisorPanel } from '../components/AdvisorPanel';
 import { ActivityForm } from '../components/ActivityForm';
 import { prefillFor } from '../prefill';
 import type { Row } from '../api/types';
@@ -176,6 +177,11 @@ export function ApplicationScreen() {
             </div>
           </Card>
 
+          {/* What the Loan Advisor proposed. Renders itself away until the
+              agent has actually run, so a file it has not reached shows
+              nothing rather than an empty promise. */}
+          <AdvisorPanel row={row} />
+
           {/* The human decision trail. Only rendered once someone has acted:
               an empty "Credit review" card on a file nobody has touched
               suggests a step was skipped. */}