Decides whether a supplier should dispute, accept, or escalate a retailer’s chargeback claim — and backs every verdict with machine-verified evidence from the supplier’s own ERP and signed Bill of Lading records. The architecture is the point: the LLM only extracts facts from the free-text notice under a quote-or-null contract; a deterministic engine makes the money decision — reproducible, auditable, and identical with or without an API key. When the records can’t settle it, the verdict is escalate-to-human with the reason recorded.