Model drift detection for insurance pricing — exposure-weighted PSI/CSI, A/E ratios, Gini drift z-test

AI CLI tools: prompt censorship checker & bypass, model quality watchdog & degradation monitor, API cost comparison for OpenAI Claude DeepSeek Gemini. Built from real Reddit user complaints.

Proof of concept and conceptual framework for intrinsic mortality in AI systems, covering degradation, identity, and system-level bypass.