• 🎭 Pick your underwriter: the Processor (+5 lock days, shrugs off surprises), the Closer (cheaper shops, fatter commission), or the Detective (sees the next tile, free reroll).
• Roll the dice to move down the pipeline. Each roll burns 1 day off the rate lock.
• ⚠️ Problem tiles: a file scenario — pick the right next step.
• ⭐ XP & levels: right calls earn XP. Level up to draft 1 of 3 perks.
• 📖 Every file has a story — borrower chapters unlock as you cross the board.
• ✨ Buff tiles: clean file — free strength. 🌩️ Surprise tiles: the file fights back.
• 🛒 Shop tiles: spend favors on tools (rapid rescore, waivers, lock extensions).
• ❓ Quiz tiles: spot the red flag.
• 📜 Title tiles: lien surprises — pick the right next step.
• 🏚️ Appraisal tiles: value problems — pick the right next step.
• 🎁 Bonus tiles: good news — rate deals, credits, extra commission.
• Flawless close (zero wrong calls) earns a ☕ $10 coffee card — in-game, but the glory is real.
• Final tile: the investor overlays boss — 3 conditions, beat at least 2.
• 🎖️ Career ranks: close files and bank commission to climb from Junior Underwriter to Legend of the Lock Desk. Each rank unlocks new tiles, tougher twists — and bigger commissions.
• 🔥 Streaks: close files back-to-back to multiply commission (up to 3x). Lose one and the streak resets.
• ⚠️ Legendary files appear at high ranks — rare, brutal, and very well paid.
• 📞 People tiles: the LO, processor, closer, or broker needs you. No perfect answers — every choice costs something, and shady shortcuts plant audit risk that can blow up at final review.
• File closes → bank commission → buy permanent 🌳 skill-tree nodes here (one path per class, two tiers each). File dies → keep 20%.