Почему: файлы в main были отформатированы старым ruff (хук 0.7.4), а после
#3021 хук, CI и `uv run ruff format` — на 0.15.20. Без нормализации каждый
коммит, касающийся одного из этих 161 файлов, тащил бы посторонние хунки
на нетронутых строках (длинные assert-сообщения и т.п.).
Что: `ruff format` 0.15.20 по backend/ и tradein-mvp/backend/; ничего,
кроме форматирования (958+/1034−). `ruff check` 0.15.20 зелёный на обоих
проектах, повторный `format --check` — 1001 файл без изменений
(идемпотентно), compileall чистый.
Refs #2864
_KEY_RATE_MARKET_SPREAD_PP was a 0.0 placeholder, so §7.9 affordability payments
used the bare CBR key_rate (~14.5%), understating borrower cost and OVERSTATING
affordability. Calibrate to 4.5pp from the prod anchor (macro_indicator
mortgage_rate_primary_domrf 19.125% @ 2026-04-19 vs key_rate ~14.5% -> observed
~4.6pp, rounded conservatively; inside the typical RF 3-5pp band), so
rate_used = key_rate + 4.5 ~= 19% matches the directly-observed market primary
mortgage rate. Makes affordability LESS optimistic / more accurate. Docs + tests
updated to the symbolic spread (new regression anchor pins spread==4.5 and
key_rate 14.5 -> ~19.0); rate_kind/graceful-fallback semantics unchanged.
Forecasting suite 841 passed; ruff clean.
REOPENED#980: when effective competing supply is exhausted under positive demand
(projected_supply<=0, demand>0), deficit_index now caps to +1.0 (peak of [-1,+1])
instead of None. balance_ratio stays None (demand/0 undefined), but the strongest
build signal no longer reads downstream as thin data (market_fit fell to 0.5,
what_to_build dropped the cell). No-signal (supply<=0 AND demand<=0) stays None.
REOPENED#981: MAI now uses CBR key rate (macro_indicator key_rate/rf via
get_monthly_macro) as the market borrowing-cost proxy (~16-21%) instead of the
subsidized weighted rate (~7.83%), per §7.9 DoD. rate_kind='key_rate_proxy'.
If key_rate absent → rate_kind='market_unavailable' (no silent subsidy fallback).
Income (#946) still missing → payment_to_income None, confidence low.
778 forecasting tests green. Refs #980#981
