# Operating Condition Library Backfill 001

Status: first backfill complete

Date: July 5, 2026

Backfilled runs:

- Fannie Mae DU / DU Validation Service
- Allstate AI insurance public corpus
- Lemonade AI-native insurance public corpus

Rows added:

- 12 condition rows

Important limitation:

Fannie Mae DU was produced before the stricter report-output standard. It has been backfilled into the library from the run packet, but the original report should be upgraded before being treated as a fully compliant operating-mode report.

Initial pattern:

- All three operating runs show source-of-truth-relevant exposure without confirmed collapse.
- Lemonade has the strongest operating exposure because AI/data functions sit closest to policy creation, claim payment, triage, telematics, fraud, underwriting, and risk prediction.
- Allstate has the strongest public formal-control posture around public-facing AI authority limits and supplier AI disclosure.
- Fannie Mae DU shows high institutional authority and third-party validation reliance, balanced by manual underwriting, optional validation, and lender accountability.

Next build step:

Add 9 more operating-mode runs to reach Phase 1 target of 12 runs, while preserving domain diversity.