How Fairgo drafted this letter

A trace of every agent that touched this draft. Open the rows that matter.

FG-2025-ABC123 Drafted v2 · 11:44am Approved by you · 11:58am Adviser: Sarah K., NDH FCA-12876

Agent run trace · 6 steps

Total wall time 12.8s · 2,571 model tokens · 1 reflection retry

Story Checker v3 Validated 14 intake fields. 0 issues.

1.2s 312 tk

Rights Finder v5

4.8s 0 model tk · search only

AFCA hybrid search 312ms · 23 results

Rerank by hardship relevance 89ms · top-12 retained

Statutory text retrieval (NCC §72) 41ms · 1 source

Citation budget filter 18ms · 3 cited, 9 supporting

View inputs used View redacted output

Letter Writer v2

4.2s 1,847 tk

Prompt construction 48ms · 1 source variant

GPT-4o generation 3.8s · 1,541 output tk

Citation density 0.34/100w (soft target 0.50) — passed but flagged for adviser review flag · soft

View inputs used View redacted output

Accuracy Check v3 2 retries → passed

2.6s 412 tk

Citation validation pass 1 421ms · 2 of 3 valid

Reflection (attempt 1) — drafter retried with stricter citation prompt 1.1s · retry

Citation validation pass 2 389ms · 3 of 3 valid

Institution-leak check (Layer A regex) 12ms · clean

Institution-leak check (Layer B classifier) 89ms · clean

View inputs used View redacted output

Your Adviser You opened the draft, made 2 minor edits, approved & released for consumer send at 11:58am.

14 minutes n/a

Submission Will fire once the consumer signs the Authority to Act and confirms the recipient on the send gate.

pending —

Drawer · View inputs used

Inputs to ✍️ Letter Writer

What we sent the model

Intake structured fields — 14 fields, account number redacted
Selected rights citations — 3 AFCA determinations + 1 NCC §72 reference
Prior draft v1 — rejected by 🔍 Accuracy Check
Tone instruction — hardship variation request
Adviser persona override — NDH counsellor as named representative

Raw prompt is stored in the audit log. Adviser-portal redaction policy: PII scrubbed; CDR transaction ids stay; Auth0 ids stay.

Drawer · View redacted output

Output from ✍️ Letter Writer

Letter HTML, with PII fields redacted in this view

<letter>
  <to>Westpac Customer Resolution Team</to>
  <from>
    <name>[REDACTED — consumer full name]</name>
    <dob>[REDACTED — DOB]</dob>
    <account>[REDACTED — account number]</account>
    <address>[REDACTED — street]</address>
    <address>[REDACTED — suburb, postcode]</address>
  </from>
  <subject>Hardship variation request — NCC §72</subject>
  <body>
    <p>Dear Westpac Customer Resolution Team,</p>

    <p>I am writing on behalf of [REDACTED — consumer full name]
    to formally request a hardship variation under section 72 of the
    <cite id="ncc-s72">National Credit Code</cite>.</p>

    <p>AFCA has consistently held that a credit provider must respond
    in writing to a hardship request within 21 days
    (<cite id="afca-808137"/>,
    <cite id="afca-779402"/>,
    <cite id="afca-851019"/>).</p>

    <p>My client, [REDACTED — consumer full name],
    requests a 6-month payment pause on the above account.</p>
  </body>
</letter>

The full output is what the consumer sees on #06. This view is for trust audit; PII is redacted because it adds nothing to the audit case.