The deeper work branch.

Private workflows live here first. Some tools may later feed PROOF or NARRATIVE, but nothing in FM Tools is public by default.

Branch Rule

Private does not mean hidden value

FM Tools is intentionally separate from outward-facing proof. Future tools can choose private, partially shared, or export-linked status.

Private

Notes and step work stay internal.

Partially shared

A user can choose a safe summary.

Export-linked

A finished output can support PROOF or NARRATIVE.

Initial Modules

These lanes establish the route structure for future nested tools.

Credit IQ

Local education tool

Sparky-style credit score decoder with score lanes, what-to-move steps, and a dollar simulator for next-tier borrowing costs.

Step Work

Private by default

Private guided recovery workspace for structured deeper work, notes, and future milestone capture.

Guided Journals

Private or partially shared

Structured reflection and writing flows that can stay private unless the user chooses to convert a piece into proof or narrative support.

Recovery Utilities

Private workflow

Checklists, trackers, routines, stability supports, and small tools for keeping motion organized.

Narrative Utilities

Export-linked optional

Optional helper tools that can support NARRATIVE outputs without automatically exposing private notes.