This open innovation report introduces a globally accessible, AI-responsive mortgage model designed to protect homeowners and lenders from financial disruption. It includes a published process map, affordability thresholds, and embedded insurance logic for public benefit — with protections against private patenting. 🛡️ OPEN INNOVATION DECLARATION This document and its described system — The Future-Proof Mortgage: … Continue reading Future-Proof Mortgage: Open Innovation Framework for AI-Responsive Home Loans