feat(scoring): 990-PF funder-precedent index — the 25-point subscore goes live

New funders/funder_grants schema + ingest990pf monthly workflow: IRS BMF
state file discovers NH private foundations (747), e-file index CSVs
select their latest 990-PF filings, batch ZIPs stream through fflate
(4/run cap, most-hits-first, deferred logged), grants-paid rows land in
funder_grants, and funders with >=2 NH grants synthesize rolling grant
rows (source irs_990pf, funder_ein linked) that flow through the
existing embed+match pipeline.

Scoring v2: funderPrecedentSubscore tiers repeated in-state giving
(1/3/5/10 -> 8/15/20/25); easy win = >=65 total AND >=12 precedent
(plan's precedent floor); scale is the full 0-100. Rolling deadlines
pass the runway gate. Retrieval computes per-funder in-state counts and
exposes funder_ein.

Lead-quality gates from the first precedent run's failures: candidate
orgs exclude NTEE T* grantmakers; self-matches gated by EIN + normalized
name (NHDOJ registers foundations as charities, several without resolved
EINs — the first run's top 'leads' were foundations matched to
themselves).

Live: ~6.5GB of IRS batches processed, 2,766 grants-paid rows, 123
synthesized foundation grants, 89 easy wins across 27 orgs, credible
top-10 (AIDS Response-Seacoast -> Foundation for Seacoast Health, 25/25
precedent). 153 tests green.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

docs/features/scoring.md

@@ -7,9 +7,17 @@ Nightly `matchGrants` workflow (05:15 UTC, after embeddings) — the plan's "SQL
 1. **Profile embedding** — v0 stub: NTEE-derived mission text (`buildOrgMissionText`) embedded as `RETRIEVAL_QUERY`, stored in `org_profiles` at confidence 0.2. The Stage 4 research profiler upgrades the row in place; this workflow doesn't change.
 2. **Retrieval** — `serverListEligibleGrantsForOrg`: one SQL statement enforcing the cheap hard gates (status open, embedded, deadline ≥ 21 days, ceiling ≥ $10K) with pgvector cosine ranking; top 50 per org.
 3. **Remaining gates in TS** — entity eligibility (`entryAdmitsEntity`: conservative pattern matching over Grants.gov applicantTypes prose; ambiguous entries do NOT admit) and geography (word-boundary state code + full state name). `application_form_supported` is **deliberately ignored** for pass/fail (2026-07-16 manual-first decision — draftability verified by hand for top leads); its failure still lands in `rationale.gateFailures`. Failed pairs are not stored.
-4. **Deterministic subscores** (`scoreMatch`, pure, tested): mission fit 30 (similarity 0.45–0.75 → 0–30) · capacity 15 (award 10–75% of revenue = sweet spot) · competition 15 (state-restricted ≫ national) · effort 10 · runway 5 (3–10 weeks ideal). **Funder precedent (25) not yet awarded** — achievable max is 75 until the 990-PF index lands; `subscores` jsonb keeps the full breakdown for reweighting. Easy win = total ≥ 50.
+4. **Deterministic subscores** (`scoreMatch`, pure, tested): mission fit 30 (similarity 0.45–0.75 → 0–30) · capacity 15 (award 10–75% of revenue = sweet spot) · competition 15 (state-restricted ≫ national) · effort 10 · runway 5 (3–10 weeks ideal). **Funder precedent (25pts, live)**: tiers of repeated giving into the org's state from the 990-PF index (1→8, 3→15, 5→20, 10→25); federal/no-data funders score 0 — absence of evidence ranks below presence. Easy win = total ≥ 65 AND precedent ≥ 12 (the plan's precedent floor). `subscores` jsonb keeps the full breakdown for reweighting.
 5. **Upsert + hero** — pair-keyed upsert that never touches review fields (a human's reject stands even when scores move); `serverAssignHeroMatch` marks the org's top non-rejected gate-passing match.
 
 ## First live run (2026-07-16)
 
 64 orgs × top-50 grants → 3,200 matches, 0 gate failures (corpus was pre-filtered to nonprofit-eligible, federal = geography-unrestricted), **0 easy wins, max 39/75**. That's the system being honest: the current corpus is 200 NIH-dominated federal research grants — wrong pond for $100K–$5M NH service nonprofits (similarity ceiling ~0.58). The engine's next real gains are corpus-side: NH state agency sources, 990-PF foundation ingestion, full Grants.gov detail backlog, real effort estimates.
+
+
+## v2 (2026-07-16, same day): 990-PF precedent + lead-quality gates
+
+- `ingest990pf` (monthly, `0 6 2 * *`): IRS BMF `eo_nh.csv` discovers NH private foundations (`PF_FILING_REQ_CD=1`) → e-file index CSVs select their latest 990-PF filings → batch ZIPs (capped 4/run, most-hits-first, deferred logged) → grants-paid rows into `funder_grants` → funders with ≥2 NH grants synthesize a rolling `grants` row (source `irs_990pf`, `funder_ein` set, null close date) that flows through embed + match like any RFP.
+- Rolling (null) deadlines now PASS the runway gate and score 2/5 runway.
+- Candidate orgs exclude NTEE `T*` grantmakers, and matches self-gate by funder EIN plus normalized-name fallback — the first precedent run's top "leads" were foundations matched to themselves (NHDOJ registers grantmakers as charities; several lack resolved EINs).
+- First full run: 747 NH foundations, 21 batches (~6.5GB processed, 1 deferred), 2,766+ grants-paid rows, 123 synthesized foundation grants → **89 easy wins across 27 orgs**, top hero 69/100 with real matches like AIDS Response-Seacoast → Foundation for Seacoast Health. Coverage grows nightly as enrichment drains the org backlog (56 candidate orgs of ~6.2K NH registrants so far).