Intuit TechWeek NYC 2026 SMB Underwriting Challenge entry. A selective-labels credit-risk pipeline: one competing-risks hazard spine feeds all four deliverables — timing-integrated NPV decisions, cohort default trajectories, and do() counterfactuals. Validator-clean (RESULT: PASS, 0/0). sklearn-only, deterministic.

Deterministic selective-labels harness: measures PD models on the declined population real data never sees, and prices it in profit. Plants ground truth; the operating frontier is a 25-seed distribution, not a point. sklearn-only, byte-reproducible.