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Proposal: Discounted reserve and risk adjustment workflows #1257

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@son1403

I would like to discuss a small, transparent workflow for turning projected payment cash flows into a discounted reserve, with risk adjustment considered separately.

For IFRS 17 or solvency work, the nominal reserve projection is often taken to a spreadsheet for payment timing, discounting, and an uncertainty allowance. The existing reserving methods already provide much of the starting point, but the final calculation is not reproducible within the same workflow.

A narrow first step could accept an as-of date, a user-supplied discount curve, and projected payment cash flows, then return the timing and present value clearly. Any risk-adjustment calculation would need to be optional and deliberately scoped; this is not a proposal for a full IFRS 17 implementation.

The closed prototype is #1248. This issue is to decide whether the proposed boundary is useful for the library.

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