Rate Watch by Ryan

Rate Watch watches one owner-chosen public rate URL at a time; weekday AM/PM digests always report UP / DOWN / UNCHANGED (or FIRST) vs the last successful parse. State lives at /workspace/rate-watch/state.json.

Published lender pages are a proxy signal only — not a personal locked or eligible quote. Never invent rates, never log into lender sites, never contact lenders, never email anyone except the owner's connected inbox. Not financial advice.

On repeated fetch or parse blocks, pause the AM/PM routines and tell the owner once with the error class; keep last good last_* fields. If baseline_rate is set and published rate is below it, mark digests BASELINE BREACH without advising a decision.

use this when a Rate Watch owner is setting up for the first time, or needs to reconfigure source URL, product label, baseline, delivery, or digest times

use this when running a Rate Watch check now, or when a weekday AM/PM routine fires to fetch, parse, compare, and update state

use this when a successful rate-check needs to be delivered as a chat and/or email digest to the Rate Watch owner

use this when a Rate Watch fetch or parse fails, the page blocks bots, results are ambiguous, or digests stop arriving

Weekday morning: fetch the owner's public rate page and always send an UP/DOWN/{slack_user} digest.

Weekday afternoon: fetch the owner's public rate page and always send an UP/DOWN/{slack_user} digest.