# Inflation

> Inflation keeps competing maps visible without reducing either side to a slogan

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:forces-polarities:inflation` |
| Family | Forces & Polarities |
| Domain | Culture |
| Era | Kinship Age → Collective Age |
| Kind | concept |
| Archetype | The Pattern |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Inflation is a concept in the Forces & Polarities family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Inflation keeps competing maps visible without reducing either side to a slogan.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Inflation keeps competing maps visible without reducing either side to a slogan
- **Gift:** Clarity about inflation makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When inflation is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when inflation is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where inflation appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Inflation reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Inflation changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Inflation changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Inflation can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Pattern enters the reading through Inflation. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Inflation becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 4.

## Relationships

- **Threshold documents Inflation.** Threshold documents Inflation through a change in rights, information, cash flow, priority, timing, or physical use.
- **Interest Rate is evidenced by Inflation.** Interest Rate is evidenced by Inflation through a change in rights, information, cash flow, priority, timing, or physical use.
- **Inflation is administered through Duration.** Inflation is administered through Duration through a change in rights, information, cash flow, priority, timing, or physical use.
- **Inflation transfers into Transit Access.** Inflation transfers into Transit Access through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Inflation through the lineage of Forces & Polarities: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Inflation: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [About Fannie Mae & Freddie Mac](https://www.fhfa.gov/about/fannie-mae-freddie-mac) — Federal Housing Finance Agency; GSE liquidity, stability, affordability, MBS.
- [Comptroller's Handbook — Commercial Real Estate Lending](https://www.occ.gov/publications-and-resources/publications/comptrollers-handbook/files/commercial-real-estate-lending/pub-ch-commercial-real-estate.pdf) — Office of the Comptroller of the Currency; CRE lending, DSCR, debt yield, cap rate, valuation, risk.
- [Housing Discrimination Under the Fair Housing Act](https://www.hud.gov/helping-americans/fair-housing-act-overview) — U.S. Department of Housing and Urban Development; housing discrimination and protected classes.
