# UW Markdown

> Open, vendor-neutral standard for commercial real-estate underwriting. A `.uwx.md` record keeps typed deal facts, underwriting assumptions, calculation inputs, narrative, and provenance in one plain-text file. AI extracts and explains; deterministic code calculates and verifies financial results.

Canonical site: https://uwmd.org
Repository: https://github.com/UWMD-OSP/UW-Markdown
License: MIT
Current versions: https://uwmd.org/about/versions

## Start

- Quickstart: https://uwmd.org/tutorials/quickstart
- First record, by hand: https://uwmd.org/tutorials/your-first-uwmd-file
- UWX and UW Lite: https://uwmd.org/guide/lite-and-uwx
- Downloads: https://uwmd.org/downloads/
- AI guide: https://uwmd.org/ai/

## Contracts

- Format specification (Format 3.0, the only admitted version): https://uwmd.org/spec/format
- Protocol (4.1.0): https://uwmd.org/spec/protocol
- UW Lite specification: https://uwmd.org/spec/lite
- Schemas: https://uwmd.org/spec/schemas/
- Conformance: https://uwmd.org/conformance/

## Optional profiles

- HTTP: https://uwmd.org/spec/http
- OpenAPI: https://uwmd.org/spec/UW_HTTP_API_v1.openapi.json
- MCP: https://uwmd.org/spec/mcp

## Critical rules for AI

- AI extracts facts and writes narrative; deterministic code performs financial math.
- Preserve provenance and append-only supersede history.
- Preserve bytes outside a scoped edit.
- Rates are stored as fractions, not display percentages.
- Do not invent missing deal data.

Expanded index: https://uwmd.org/llms-full.txt