Borrower-facing copy is plain language — never jargon or program names
Anything a borrower reads or hears uses plain language, stated in dollars
and time. Acronyms (CLTV, DTI, LTV), program names, and loaded
industry terms (underwater, negative equity, over-leveraged) never
appear in borrower-facing copy — they are translated: "lenders let you
borrow up to 80% of the home's value," "you owe a bit more than the home's
value right now."
The internal/engineering name and the borrower phrase are both real names
for the concept — this dictionary's names.borrower column exists to hold
the translation, and the avoid list marks the banned phrasings so they
stay searchable without being usable.
Evidence
The Clarity Engine Glossary (CE_D02) exists precisely to translate — its subtitle is "Plain-English Definitions for Every Term in the Skill Library and PRD." The POC's CLAUDE.md states the product answers "in plain language, in dollars and time, never jargon or program names." The POC enforces it in code: ground.ts's silent-ceiling rule instructs 'Never the term "CLTV"', and its situational notes ban "underwater," "negative equity," and "over-leveraged" in borrower-facing speech. The eval runner deterministically scans transcripts for jargon and program-name signals.