Overlock UW v1.1. Three rates, not one: market, street and in-place stay separate lines. A four-cohort ECRI engine with tenure-based churn, min-of-three debt sizing with the binding constraint named, bottom-up opex with tax reassessment on transfer, and a formula-driven integrity board that tells you when the model is stale and when it’s broken. About 51,000 formulas, nothing hardcoded.

Requires Excel 2021 or Microsoft 365. It will not calculate in Google Sheets, LibreOffice or older Excel.

Numbered copies are delivered by email within one business day. Buy the Model, upgrade to Operator inside 12 months, and the full purchase price credits toward your first year. Find a genuine calculation error and I fix it, ship the fix to every owner, and credit you.