The placement decision record

Two placement controls fired and the supervisor agent's prepared sign-off — **Project Fjord (illustrative).** The retention warning and the authority referral, and the supervisor agent's brief for the practice leader.

When a client asks why a cheaper quote was passed over, or an E&O reviewer asks who approved a limit above authority, the answer should not be “check the email”. The decision record holds it.

What is written, and when

Every Analyze writes a run: the placement controls evaluated on the deal, each hit with its rule, version and reason, and a verdict. The previous run stays; the new one is current.
Every answer to a prepared decision writes a decision: what was prepared, the answer, the note, what was carried out, and a human sign-off.
Every sign-off by a practice leader is signed onto the run that referred it.

Section	Hit	Outcome
Placement control	BIND_ABOVE_AUTHORITY — the limit is above the deal broker's authority	refer
Placement control	RETENTION_OUT_OF_BAND — retention outside 0.5%–1% of EV	warn
Prepared decision	Accept: Select Meridian Transaction Re (illustrative)'s quote	proceed
Prepared decision	Reject: Approach 4 markets — client prefers two	decline

An illustrative set of record rows.

The verdict

flowchart LR BL["block: a control
holds the stage"] --> RF["refer: a practice
leader signs off"] RF --> WN["warn"] WN --> PR["proceed"] style BL fill:#fdecec,stroke:#e57373 style RF fill:#fef3c7,stroke:#b45309 style PR fill:#e8f8f4,stroke:#22c1a4

The highest-ranked outcome present wins. The agents never set the verdict; it is the controls’. The supervisor agent reads it and prepares the brief.

sequenceDiagram participant SV as Supervisor agent participant RS as Rules Studio participant DR as Decision record participant B as Broker participant PL as Practice leader SV->>RS: Evaluate controls RS-->>SV: Hits SV->>DR: Run n, hits, verdict, current B->>DR: Answer with note, signed PL->>DR: Sign-off on run n