# Thai life and financial ecosystem v4 — sources and assumptions

Research checked 6 November 2026. This is a historical data snapshot with a fictional future, not a reconstruction of a current Thai birth cohort. Years and statistical populations matter. No API is called during gameplay.

## Verified anchors

| Input | Observation used | Primary source |
|---|---|---|
| Regional birth lottery | 2023 births: Greater Bangkok 81,672; Central 111,747; North 73,940; Northeast 138,297; South 93,332; total 498,988 | NSO/MOPH Statistical Yearbook 2025 table1.12 [p90](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/90/), [p91](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/91/), [p92](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/92/) |
| Household status | 2023 household total-income means across regular-per-capita-income quintiles: 12,510 /18,483 /24,350 /30,742 /57,448 THB/month | [NSO table22](https://www.nso.go.th/public/e-book/Analytical-Reports/Income-2566/116/) |
| Regional household income / expenses | Income2023: 39,087/30,200/24,040/22,524/28,532; expense2024: 30,464/23,047/17,748/17,829/21,429; national29,030 and22,282 | [NSO table8.1](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/295/) |
| Burn distribution | 2024 percentages of HOUSEHOLDS classified by expenditure per capita; not a person-weighted/newborn cohort sample | NSO table8.5 [p302](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/302/), [p303](https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/303/) |
| Education proxy | Employed people all ages Q3/2024. Aggregated known groups normalized: primary-or-below36.5,lowersecondary18.3,uppersecondary19.9,technical-tertiary6.0,academic+teacher17.5. Unknown/other1.7 excluded | [NSO social indicators table2.2.6](https://www.nso.go.th/public/e-book/Indicators-Social/Social-Indicators-2025/174/) |
| Wage anchors | Q4/2024 mean employee wages (all tenure): primary10,487.36;lowersecondary11,562.19;uppersecondary13,184.78;diploma16,130.84;bachelor23,818.26 THB/month | [BOT/NSO report666](https://app.bot.or.th/BTWS_STAT/statistics/BOTWEBSTAT.aspx?reportID=666) |
| Inflation | Annual CPI2024 +0.40%,2025 -0.14%. Starting working-world inflation uses2024 +0.40% | TPSO [2024](https://uploads.tpso.go.th/economic/pdf/Cpig122567_tg.pdf), [2025](https://uploads.tpso.go.th/economic/pdf/Cpig122568_tg.pdf) |

Regional harmonization: Greater Bangkok includes Bangkok, Nonthaburi, Pathum Thani and Samut Prakan. Start from metro+5 births93,947 and move Nakhon Pathom5,527 plus Samut Sakhon6,748 to Central. Central also aggregates east and west. This is a geographic calculation, not a separately published newborn-income cross-tab.

## Explicit modeling assumptions — not Thai measured probabilities

- Birth region uses actual birth counts. Family income group is uniform household quintile (20% each), a household-based proxy. We do not know the joint distribution of births, household size and household income. Sampling these is NOT a claim that every quintile has20% of newborns.
- Family income adjusts each quintile mean by regional income/national income and ±15% variation. Members3–5 equally likely; household expenses scale regional mean by .65+.175×quintileIndex with ±10% variation. These are synthetic cross-tabs, not microdata.
- Education conditional weights increase access with family resources. Iterative proportional fitting preserves the disclosed all-age employed-stock marginal. This is not a measured causal effect, a forecast of today's newborns, or a measured graduate-cohort distribution. Technical tertiary maps to diploma in the game only. Graduate/work-start ages15/15/18/20/22; primary-or-below cases wait until15 to start work. Trading below20 assumes a guardian-approved custodial arrangement.
- Entry salary = education wage mean × uniform(.75,.90) × uniform(.85,1.15). Job titles are illustrative fictional roles, not measured occupation probabilities. Monthly real wage growth1% annual plus70% of simulated inflation.
- Burn samples the household per-capita expense bands by region. Status-correlated quantile=(quintileIndex+uniform)/5 creates a modeled rank correlation while preserving regional band frequencies. Within each band draw uniformly. Open tails truncate to800–1,500 and100,001–200,000. Lives with expensive consumption can be unsustainable; no income floor rescues them.
- Regional2024 burn weights by ascending bands <1501;1501–3000;3001–5000;5001–10000;10001–15000;15001–30000;30001–50000;50001–100000;>100000:
  - Greater Bangkok: [0,.3,2.5,29.1,31.7,30.1,5.2,1,.1]
  - Central: [.1,2.2,13.5,41.2,24.3,16.7,2,.2,.1]
  - North: [.1,6.8,29.1,43,13.1,6.8,1,.2,0]
  - Northeast: [0,6.8,29.8,44.4,11.2,6.6,1,.2,0]
  - South: [.1,7.1,20.1,41.4,17.4,11.7,1.9,.3,0]
- Normalize rounded weights. Share home with family probability65%; living alone multiplies consumption1.15. NSO consumption includes household housing valuation; it is not identical to a bank-account cash burn, and this conversion is deliberately approximate.
- Ages0–work start have zero player investment. Guardians pay modeled child living costs as part of household expenses; tuition is an additional expense. Tuition per year0 under6;3,000 ages6–14;7,000 ages15–17;35,000 university or18,000 diploma beyond18. These are modeled supplementary costs, not official fee estimates. Surplus and initial reserve fund tuition; unmet tuition becomes an abstract education loan (not an exact กยศ. contract). Loan interest1% and180-month principal amortization are game rules.
- Guardian initial reserve equals1–3 years of positive household surplus. Annual surplus accumulates minus tuition. Gift probability=.13×quintile number; gift capped by12% of reserves above six-month family expense buffer and1–4 months' first salary. No verified national graduation-gift distribution exists in this implementation. The gift is transferred once at graduation, never automatic capital awarded by an occupation.
- Childhood CPI is a seeded synthetic annual path -0.2%..3.8%. All baseline salary/burn anchors are interpreted as start-of-work purchasing power; childhood costs are deflated by final childhood CPI then evolved forward. Working CPI rebases to1 at graduation. Historical CPI anchors are not presented as the full childhood path.
- Working macro long-run inflation2.5% is a simulation target, NOT a current Thai forecast. GDP, rates, unemployment, energy and risk remain fictional after the baseline. Assets and firms are fictional too.

## Tax snapshot TH-2026-v3-calendar

Individual Thai resident (>=180days), salaried employee with section33 social security. Ordinary taxable accounts; no retirement tax-sheltered products. Rules are frozen throughout the game rather than forecasting law for decades.

| Instrument wrapper | Implemented investor tax | Reference |
|---|---|---|
| Thai listed ordinary shares | Realized capital gains exempt, dividends10% final-tax election | [SET](https://www.set.or.th/th/market/information/tax) |
| Ordinary Thai mutual funds, including accumulating gold fund | Unit redemption gains exempt; distributing equity fund pays10% final on distributions; accumulating gold fund pays no invented distribution | [RD Ministerial Regulation126 clause2(32)](https://www.rd.go.th/2502.html), [RD post2019 Q&A8](https://www.rd.go.th/fileadmin/download/v35889.pdf) |
| Direct Thai government bonds | Coupon and positive realized sale gain15% final-tax election | [ThaiBMA Taxation2025](https://www.thaibma.or.th/Doc/convention/ThaiBMA/Taxation_2025.pdf) |
| Thai savings wallet | Annual interest<=20,000 exempt under assumed reporting-consent conditions; once exceeded15% of all interest | [BOT](https://www.bot.or.th/th/satang-story/rights-responsibility/saving-interest.html), [RD](https://www.rd.go.th/41328.html) |
| US ordinary shares / US equity ETF | Ordinary dividends15% US WHT assuming treaty documentation. US sale gains modeled no US tax for eligible nonresident. Gross dividends and positive realized gains automatically remitted to Thailand; principal excluded; Thai progressive tax with bounded foreign credit | [Treaty article10](https://www.rd.go.th/english/1637.html), [IRS nonresident rules](https://www.irs.gov/individuals/international-taxpayers/federal-income-tax-withholding-and-reporting-on-other-kinds-of-us-source-income-paid-to-nonresident-aliens), [RD foreign income](https://www.rd.go.th/fileadmin/user_upload/lorkhor/newspr/2024/FOREIGNERS_PAY_TAX2024.pdf), [RD credit guide](https://www.rd.go.th/fileadmin/user_upload/porphor/GuideTaxFromAbroad_TH.pdf) |

PIT: salary expense deduction50%,cap100,000; personal allowance60,000; actual employee social contribution deduction. Taxable net bands0–150k0%,150–300k5%,300–500k10%,500–750k15%,750k–1m20%,1–2m25%,2–5m30%,over5m35%. [RD PND91 instructions2025](https://www.rd.go.th/fileadmin/tax_pdf/pit/2568/Ins91_241268.pdf).

Social security uses5% of salary up to17,500 (max875/month), the2026 baseline. [Official PRD quoting SSO](https://thainews.prd.go.th/thainews/news/view/1741746/?bid=1). The game freezes this cap rather than implementing future scheduled increases. No unemployment benefit is modeled; no gift tax is needed for the modeled small parental transfers.

## Accounting and tax simplifications

Prices separate from coupon/dividend distributions. Each stock has a modeled dividend yield, each bond a fixed coupon, and each distributing fund a declared simulated payout rate. Total returns split into price and cash components. Wallet savings rate=max(.1%,policyRate−2.5pp), a game rule. Fund-level withholding, custody and management charges are embedded in NAV and not charged to investor cash twice.

Purchases spend a THB budget including the disclosed instrument fee; most instruments charge0.1% each side, physical Thai gold0.6% and offshore bullion0.4% each side. Unit orders compute the corresponding total budget. Weighted-average basis is tracked per instrument. Sell removes only sold basis. Unrealized gains are not taxed; loss offsets and carryforwards are not modeled. Transaction fees are excluded from gain deductions as a simplification.

Foreign credit=min(foreign withholding,Thai total PIT×foreign assessable income/(salary after expense deduction+foreign assessable income+ordinary investment-gold gains)); allowances are proportionally attributed. One aggregate foreign basket is used; country/category-specific ceilings, estate tax, foreign-exchange principal matching and special ETF distributions are not implemented. v4adds the basic0.5%gross-income minimum method when the calculated method exceeds5,000THB. This is a teaching approximation, not a filing engine.

Each work life begins in January and follows a12month calendar. Salary WHT is an annualized employer prepayment credited against actual annual PIT. December closes the income year; normal90/91filing/payment is scheduled in following March, not automatically every month. Gold investment sales classified as40(8)also trigger94for qualifying January–June gross income, dueSeptember. No prospective investor-tax hint or reservation is shown in the order interface. Actual WHT is in subsequent transaction/payroll documents. At60assets are liquidated and the final income-year liability recognized, even when statutory payment is later. Benchmark receives the same life cashflows/tax rules and trades mechanically to cover bills and due tax before60/40rebalance; the player chooses how to fund bills.

Player cash shortage becomes a separate payable, without immediate rescue liquidation. Normal cash is never an unlimited negative bank overdraft; net liquidity after due payables can be negative. Tax arrears and notices can lead to modeled administrative enforcement, while insolvency proceedings are separate. General living-expense arrears still have no contract-specific interest, eviction or service suspension; this remains a simplified payable, not a realistic unlimited credit product. Education debt is separate. SeeREALISM_REVIEW.mdfor priorities and v4model conventions below.

## v3 catalog: product archetypes and disclosure

100 tradable instruments exclude the savings wallet:32stocks,12direct bonds,2physical-gold forms,54funds/ETFs. Funds comprise30equity,12fixed income,6gold,6mixed. All are fictional: parody-style names, simplified portfolios, synthetic statements/fees/ratings. They are not actual fund factsheets or live market data. “Republic500”, “Q-Tech100”, global and cross-border products are toy benchmarks over the disclosed Thai/US universe, not the full constituents or countries of their real-world inspirations. All trade prices are normalized THB per game unit, including USD-exposed instruments; purity describes gold form, not a gram conversion at a real market quote.

Primary references for product design:

- [SET industry classification](https://www.set.or.th/th/listing/equities/industry-sector-classification): industry classification concept; game simplifies this to12business sectors.
- [SET company snapshot example](https://lssmedia.setlink.set.or.th/2025/YE/BC-YE68-ListedCompanySnapshot-TH.html): categories of financial statements and ratios. Game statements use synthetic revenue, operating income, interest, cash/debt, assets/equity, estimated CFO/capex/free cash flow; CFO is an estimate, not a reconciled three-statement accounting model.
- [SEC-hosted fund factsheet example](https://secdocumentstorage.blob.core.windows.net/fundfactsheet/M0465_2564.pdf): policy, benchmark, manager, fees, risks, distribution and currency policies. No exact fee or holdings from that product are copied.
- [SET ETF](https://www.set.or.th/etf): exchange-traded structure and relationship to NAV. Game ETF market price varies around NAV; open-end funds execute immediately at last monthly NAV, a monthly-game approximation to dealing rules.
- [TFEX gold and currency](https://www.tfex.co.th/th/education/knowledge/article/201-currency-fluctuations-relatoin-tfex-trading-gold-usd-bath): USD gold vs THB gold/currency concept. Game distinguishes96.5%Thai gold and99.99%offshore allocated bullion.
- [ThaiBMA credit FAQ](https://ibondx.thaibma.or.th/EN/Shared/faq.aspx), [duration calculations](https://pre.thaibma.or.th/EN/Calculation/Calculation.aspx): rating, maturity and yield sensitivity are different dimensions; numerical rating-to-default probabilities and recovery rates here are model parameters.
- [RD gold ruling July2026](https://www.rd.go.th/68671.html): movable-property exemption depends on acquisition circumstances. Game assumes physical gold acquired for investment/profit and includes realized gain net of acquisition cost in ordinary PIT; this is not the mutual-fund-unit exemption and is not a general tax-filing determination. Direct US Treasury/corporate coupons assume eligible portfolio-interest US exemption, followed by Thai tax on remittance; ordinary stock/ETF cash dividends assume15%US withholding.

Risk scores1–8 are game classifications, not a claimed official rating for any real product. Management fees, fee caps, tracking noise, custody cost and trading spreads are synthetic and displayed before buying. Fee caps are disclosure limits and do not vary actual fees during this engine version.

## v3 causal transmission and fund accounting

`src/events.js` compiles60hand-authored causal mechanisms into10geographic/economic contexts, giving600unique IDs, headlines and transmission signatures. Contexts are Thai/US-like regions across expansion, slowdown, inflation, recovery and normal conditions. This is a structured scenario expansion; it does not represent600independently sourced historical episodes. The60historical labels identify inspiration, not verified numerical impact estimates. `catalogs/events-600.json` contains all resolved cases.

Event effects target business demand, input cost, productivity, regional credit spreads, currency pressure, gold demand, market liquidity and fund operational conditions. Each case has macro eligibility, region/sector exposure, lag, duration, individual cooldown and family cooldown. Delayed effects remain pending even after the headline has passed. About55%of eligible months can introduce one new event, capped by7active/pending cases. Statistical newspaper pages fill out the monthly2–4headlines; they report observed values, not buy/sell advice. News archive retains24months. Actual conditions can mean some cases never occur within a particular life.

Country-sector states decay toward baseline. Demand/cost/productivity change company revenue/margins and interest coverage; cash/liquidity and pricing power cushion losses; debt/refinancing and valuation add distinct sensitivities. Market expectations and common/idiosyncratic noise remain separate. Macro GDP/inflation/rates are a shared global proxy; this is not a full two-country central-bank or FX equilibrium model.

Bond price sensitivity uses remaining duration, policy-yield changes and regional credit spread. Corporate default hazard depends on modeled rating, credit pressure and issuer interest coverage, with35–60%recovery. Sovereign default has a very small nonzero model hazard. Defaulted bonds cease coupons; investors cannot add direct positions. Funds remove defaulted bonds at their next modeled allocation update, and an empty basket becomes cash. Maturing direct bonds repay modeled face value and exit the investor's holdings; the same catalog code then represents a replacement series. Existing fund holdings roll their underlying exposure. No investor holds a perpetual fixed-duration bond without redemption.

Passive fund NAV follows the disclosed weighted underlying total return minus annual management fees, hedging cost, applicable internal withholding and tracking noise. Active managers reweight only the disclosed mandate with quality/value/defensive/momentum rules, prior public macro and a seeded quarterly variation; no portfolio-dependent alpha bonus. Operational events can affect active execution. Current holdings shown in the UI are the starting weights for the next monthly period. There is no nested fund cycle.

Foreign underlying assets contain FX in their THB return. A fund subtracts the disclosed hedge fraction of foreign-weighted FX return plus a modeled hedge cost0.3%annual on hedged exposure. Hedge targets remain fixed by mandate in this version. Gold H vs U therefore diverges mechanically under identical gold-price news. Declared fund cash payouts leave NAV and are taxed once at investor level; accumulating share classes retain value. ETF premium/discount depends on liquidity and tracking noise, bounded±8%, and is distinct from NAV. Underlying gold custody and a fund's management charge are different costs. Internal transaction spreads, precise cash distribution schedules and sale-level fund internal capital-gain taxes are simplified.

`src/legacy-v2/` freezes the old engine for migration only. v3replays a v2command log to reconstruct old life/positions/prices, starts new instruments at normalized100, carries pending macro impulses over their remaining life, and then records only new v3commands. v2local storage is retained. Migration does not rewrite prior wealth or manufacture new return history for newly added products. Changing these rules after release requires another engine version/migration.

## v4 calendar, collection and social-insurance model conventions

Verified sources and implementation review are in [REALISM_REVIEW.md](REALISM_REVIEW.md), including directRD/SSO/court references. Parameters below distinguish enacted-rule anchors from simplified game timing:

- Annual90/91return uses salary withholding and paid94as credits.94uses personal allowance30,000 and progressive brackets unchanged. Single-person half-year filing threshold is gross40(8)income>60,000. Gold sale proceeds and acquisition cost are recorded separately; ordinary profits can net within the category, but negative ordinary business income does not offset salary in this approximation. Foreign gold classified40(8)is tracked separately from stock gains. Gross minimum method excludes salary and does not count foreign gold proceeds and gain twice.
-94principal paid after annual90assessment updates that year's credit. Net liability does not double-count overlapping outstanding prepayments; installment application on annual return requires clearing pending94in this simplified workflow. Refunds become receivables and transfer to cash two monthly periods after normal filing deadline; this processing delay is an explicit simulation assumption, not a promisedRDservice time.
- Where conditions allow, a three-installment plan pays the first installment upon application and schedules the remaining two after the regular due month. On default the concession ends; overdue principal accrues1.5%per monthly period, simple, capped at the principal exposed to late-payment surcharge. No automatic2,000THBfine is imposed, because the game files on time; lack of payment is not late filing. Days/fractions are approximated by monthly ticks.
- Collection notices are shown at1and3overdue monthly periods; administrative portfolio realization can begin after6overdue periods. These specific delays are GAME CONVENTIONS, not statutory guaranteed waiting periods. RDadministrative enforcement is modeled separately from bankruptcy court.
- Modeled bankruptcy eligibility needs definite due debt at least1millionTHB, negative net wealth,9distress periods and a creditor petition. A court-order stage follows3petition periods and judgment follows6, provided modeled conditions persist. These deterministic timings and creditor aggregation are scenario approximations, not a legal test or prediction of an actual court. After court order, direct private asset dealing is frozen. Bankruptcy ends a roguelike round; it does not claim real tax debts were discharged or that a real person cannot recover after bankruptcy.
- Three spending plans multiply baseline consumption1/.85/.70. This represents flexible spending only, without changing initial birth/wage. The model does not yet represent separately enforceable essential housing/medical bills or family shocks.
- All modeled jobs currently assume formal salaried section33employment. Only involuntary layoffs are simulated. Eligibility checks6contribution months within15; daily base is highest3recorded contribution wage months within15 divided90; benefit60%, first claim period23days approximating day8start, then30days with required registration/monthly reporting and180day calendar-yearcap. Registration window is approximated as one monthly tick. Resignation/contract expiry, serious-misconduct adjudication and actual day-level reporting are not modeled. Reemployment stops benefit.
- The frozen baseline assumes social-insurance wagecap17,500/5% for every game year rather than forecasting caps. Pension at60assumes cessation of insured work. With>=180months:average final60contribution wage months ×[20%+1.5%per complete additional12months]. It is monthly income, not liquid asset value. The retirement target becomes25times annual expenditure not covered by pension. Lump-sum old-age benefit for<180months and section39/40are not implemented, so this is not a full rights calculator. CAREwas not treated as effective based solely on Cabinet approval or a proposed implementation date.
- v4preserves v2/v3command logs via frozen engines, rebuilds recorded insured wages, credits old payments and carries explicit unpaid tax separately. It does not reassess closed historic years. See`src/legacy-v3/` and new v4storage key. Current-year legacy gold proceeds are reconstructed from trade records where available.

## โบรกเกอร์และกราฟ รุ่น5

- SET: หุ้นไทย T+2 https://media.set.or.th/rulebook/circular-letter/attachment-file/62.pdf
- SEC: US T+1 https://www.sec.gov/compliance/risk-alerts/shortening-securities-transaction-settlement-cycle
- ก.ล.ต.: Forward pricing https://law.sec.or.th/content/2893
- SET: ETF ราคาตลาดกับ NAV https://www.set.or.th/th/market/product/etf/introduction
- Investor.gov: Market/Limit https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins-14

ตรวจข้อมูล7พ.ย.2026; นำหลักการมาจำลอง ไม่ได้อ้างว่ารอบรับคำสั่ง/วันหยุดตรงกับทุกผลิตภัณฑ์ สูตร total-return index รายเดือน = ดัชนีก่อนหน้า × (ราคาปิด+เงินจ่ายต่อหน่วย)/ราคาก่อนหน้า เป็นก่อนภาษีและค่าซื้อขายของผู้เล่น NAV รอบเดือนและ20วันชำระสังเคราะห์เป็นการย่อเวลาของเกม

## ปฏิทิน/การอ่านงบ (ตรวจ7พ.ย.2026)

- BLS Employment Situation เผยแพร่ข้อมูลจ้างงานตามรอบรายเดือน https://www.bls.gov/news.release/empsit.htm
- Federal Reserve FOMC กำหนดประชุมโดยทั่วไป8ครั้งต่อปี https://www.federalreserve.gov/monetarypolicy/FOMC.htm
- SEC คู่มืออ่าน10-Kและงบการเงิน https://sec.gov/files/reada10k.pdf

เดือนนัดหมายของเกมเป็นเดือนสมมติ1/3/4/6/7/9/11/12 ไม่ใช่การคัดลอกปฏิทินจริงหรือรับรองการเปลี่ยนนโยบายในทุกประชุม รายงานบริษัทปิดQทุก3เดือน เผยแพร่เดือนถัดไป และแนบงบทั้งปีในQ4 เป็นแบบย่อของการรายงาน; นโยบายภาษีนิติบุคคล20%และปันผล20%กำไรบวกเป็นสมมติฐานธุรกิจ ไม่ใช่อัตราภาษี/นโยบายจ่ายของทุกประเทศหรือทุกบริษัท แบบจำลองใช้บัญชีบริษัททั่วไปกับธุรกิจการเงินด้วย ไม่แทนงบธนาคารเต็มรูปแบบ

## ปันผลและการใช้เงินหลังเกษียณ (รุ่น0.8)

- Investor.gov: growth/income stocks และความไม่แน่นอน https://www.investor.gov/introduction-investing/investing-basics/investment-products/stocks
- SET: ขั้นประกาศ อนุมัติ และจ่ายเงินปันผล https://www.set.or.th/en/listing/listed-company/simplified-regulations/disclosure/dividend-payment
- Investor.gov: XD/record/paymentเป็นคนละขั้น ผู้ซื้อหลังXDไม่ได้สิทธิ https://www.investor.gov/introduction-investing/investing-basics/glossary/ex-dividend-dates-when-are-you-entitled-stock-and
- SCG: ตัวอย่างจ่ายปกติปีละสองครั้ง https://scc.listedcompany.com/faq.html
- Vanguard: ตลาด เงินเฟ้อ และsequence risk https://corporate.vanguard.com/content/dam/corp/research/pdf/vanguard_principles_retirement_income.pdf
- SSO: สิทธิชราภาพ อายุ55 สิ้นสุดผู้ประกันตน สมทบ180เดือน https://www.sso.go.th/wpr/main/service/กองทุนประกันสังคม_detail_detail_1_125_695/235_235

ข้อมูลตรวจ7พ.ย.2026; ตารางdeclare/XD/จ่ายรายเดือนและ5วันชำระเป็นการย่อของเกม ไม่ใช่วันจริงทุกบริษัทหรือกฎหมายที่จะใช้ตลอดอนาคต ความน่าจะเป็นฉุกเฉิน/ค่ารักษา/12โลก/500ปีเป็นการออกแบบเกม ไม่ใช่สถิติทางการหรือแบบจำลองทางคณิตศาสตร์ประกันภัยที่ผ่านการรับรอง

## รุ่น0.9: ภาษี สกุลเงิน และvaluation

- กรมสรรพากร การหักค่าใช้จ่าย: https://www.rd.go.th/556.html
- กฎหมายค่าใช้จ่ายวิชาชีพ: https://www.rd.go.th/2375.html
- เงินได้ต่างประเทศ ป.161/162: https://rd.go.th/fileadmin/download/news/question_p161_162.pdf
- คู่มือเครดิตภาษีต่างประเทศ: https://www.rd.go.th/fileadmin/user_upload/porphor/GuideTaxFromAbroad_TH.pdf (แปลงรายได้/เครดิตด้วยอัตราวันนำเข้า; เครดิตต้องมีเพดาน เกมรองรับเส้นทางสหรัฐหลักและยังไม่ใช่เครื่องคำนวณทุกสนธิสัญญา)
- BOTอัตราแลกเปลี่ยน: https://www.bot.or.th/th/statistics/exchange-rate.html
- OAEอัตราเฉลี่ยJan–Oct2025 33.06เทียบ2024ช่วงเดียวกัน35.49: https://oae.go.th/assets/oae/DKW_FGWEFGEOwldsfwEF2569final_compressed.pdf
- SEC Investor financial statements/EPS/PE: https://www.sec.gov/investor/pubs/begfinstmtguide.htm

ตรวจ7พ.ย.2026 ค่าเริ่ม35บาท/USDเป็นจุดตั้งต้นเกม ไม่ใช่ราคาปัจจุบันหรือการพยากรณ์ แบบจำลองมีmean reversionกับช็อกข่าว ไม่ได้บังคับFXให้อยู่ในกรอบย้อนหลังทุกเดือน ราคาบริษัทและvaluationทั้งหมดสมมติ

## รุ่น0.9.2 ตรวจ7พ.ย.2026

- BLSรอบEmployment Situation: https://www.bls.gov/schedule/news_release/empsit.htm
- BLSCPI: https://www.bls.gov/cpi/
- FOMC8รอบและเดือนปี2026: https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
- BEA3vintagesต่อไตรมาส: https://www.bea.gov/news/gdp-release-additional-information
- กนง.6รอบ: https://www.bot.or.th/th/our-roles/monetary-policy/mpc-meeting.html
- ไทยCPI: https://www.tpso.go.th/economic-data/consumer-price-index
- สสช.มีทั้งสรุปแรงงานรายเดือน/ไตรมาส: https://www.nso.go.th/nsoweb/nso/survey_detail/9u?set_lang=th
- สภาพัฒน์รายงานไตรมาส: https://www.nesdc.go.th/

เกมย่อวันที่เป็นเดือนและเลือกชุดข้อมูลหลัก ไม่อ้างว่าครบปฏิทินจริงทุกseries รายงานจริงอาจเลื่อนเผยแพร่หรือเปลี่ยนกำหนดในแต่ละปี

## รุ่น0.10 ตรวจ7พ.ย.2026

- SET50/SET50FFวิธีถ่วงน้ำหนัก: https://www.set.or.th/en/market/index/set50/profile
- SETเพดาน10%เมื่อปรับน้ำหนักรายไตรมาส เริ่ม1ก.ค.2025: https://www.set.or.th/en/market/news-and-alert/newsdetails?id=95879500&symbol=SET
- S&P500 Free-float market cap: https://www.spglobal.com/spdji/en/indices/equity/sp-500/
- เกณฑ์กำไรและคุณสมบัติS&Pมิได้เลือกตามขนาดอย่างเดียว: https://press.spglobal.com/2026-06-04-S-P-Dow-Jones-Indices-Consultation-on-Treatment-of-MegaCap-Companies-Results
- ก.ล.ต.สิทธิผู้ถือหุ้นกู้/ข้อกำหนดสิทธิ: https://www.sec.or.th/TH/Pages/Investors/RightBondholder.aspx
- หุ้นกู้ด้อยสิทธิและperpetual: https://www.sec.or.th/TH/Pages/Investors/BondProduct-PerpetualBond.aspx
- ThaiBMAตลาดรองOTC/ราคาและสภาพคล่อง: https://pre.thaibma.or.th/EN/Investors/Individual/basic-start.aspx
- ธปท.ช่องทางผู้ลงทุนไทยลงทุนหุ้น/บอนด์ต่างประเทศ: https://www.bot.or.th/th/our-roles/financial-markets/foreign-exchange-regulations/foreign-exchange-laws/retail-portfolio-investment-abroad.html (ใช้ยืนยันช่องทาง ไม่ใช้ข้อความภาษีในหน้าเก่ามาแทนกฎเงินได้ต่างประเทศปัจจุบัน)
- TreasuryDirectเงื่อนไขSSN/TINและบัญชี: https://www.treasurydirect.gov/indiv/help/treasurydirect-help/faq/

ชื่อและตัวเลขบริษัทเป็นfiction ไม่ใช่ข้อมูลงบจริงรายบริษัท ดัชนีสหรัฐในเกม100บริษัทเป็นแบบจำลอง ไม่ใช้ชื่อS&P500เพื่ออ้างว่ามีครบ500

## รุ่น0.11 กยศ. ตรวจ7พ.ย.2026

- FAQ กยศ. ระยะปลอดหนี้2ปี ตาราง15ปี และงวดจริง5ก.ค.: https://www.studentloan.or.th/th/faqs
- ตารางขั้นบันได/อัตรา1%/ปีแรกไม่มีดอกเบี้ย/ไม่คิดทบต้น: https://www.studentloan.or.th/th/node/30257
- กฎหมายใหม่ลำดับตัดชำระ เงินต้น-ดอกเบี้ย-เบี้ยปรับ และเบี้ยปรับ0.5%: https://www.studentloan.or.th/th/system/files/files/news/ข่าว%20กยศ.%20ชี้แจงความคืบหน้าการดำเนินงาน%2021%20พ.ค.2568.pdf
- คุณสมบัติผู้ขาดแคลนทุนทรัพย์2569 รายได้ครอบครัว360000บาท/ปี: https://www.studentloan.or.th/en/news/1778123879

เกณฑ์รายได้ไม่ใช่ข้อห้ามทุกลักษณะการกู้ เกมใช้ความสามารถครอบครัวจ่ายค่าเรียนและสมมติสาขาที่กู้ได้ ค่าเรียน35000/90000บาทเป็นค่าตั้งเกม ไม่ใช่อัตรากฎหมาย รูปแบบmonthly repaymentลดรูปจากตารางรายปี ไม่ใช่เครื่องคำนวณยอดบัญชี กยศ.จริง

## รุ่น0.12 ธนาคาร สินเชื่อ ออปชัน และMargin — ตรวจ7พ.ย.2026

- ธปท. ลดต้นลดดอกเทียบFlat: https://www.bot.or.th/th/satang-story/rights-responsibility/effectiverate.html
- ธปท. ดอกเบี้ยและค่าธรรมเนียมสินเชื่อภายใต้กำกับ: https://www.bot.or.th/th/satang-story/rights-responsibility/int-fees-under.html
- ธปท. ดอกเบี้ยผิดนัดเฉพาะเงินต้นงวดค้างและลำดับชำระ: https://www.bot.or.th/th/satang-story/managing-debt/default-interest.html
- สถาบันคุ้มครองเงินฝาก วงเงินต่อรายต่อสถาบันและการหักหนี้ถึงกำหนด: https://www.dpa.or.th/Deposit-Protection-Scheme
- Options Industry Council ปัจจัยราคาและBlack–Scholes: https://prd-web.optionseducation.org/optionsoverview/options-pricing และ https://prd-web.optionseducation.org/advancedconcepts/black-scholes-formula
- Investor.gov บัญชีMarginและการบังคับขาย: https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins-29
- Federal Reserve RegulationT เงินเริ่มต้น50%สำหรับหลักทรัพย์ที่เข้าเกณฑ์: https://www.federalreserve.gov/frrs/regulations/section-22012-supplement-margin-requirements.htm
- TFEX SET50Options สัญญาจริงEuropean/Cash Settlement อ้างอิงดัชนี: https://www.tfex.co.th/en/products/equity/set50-index-options/contract-specification
- กรมสรรพากร การยกเว้นกำไรสัญญาซื้อขายล่วงหน้าในตลาดตามเงื่อนไข: https://www.rd.go.th/31856.html

ตัวเลข5ธนาคาร อายุอนุมัติ20ปี Statement3–6เดือน วงเงินตามเงินเดือน/DSR อัตราฐาน อัตราคืนเงินฝากส่วนเกิน12เดือน ล็อตออปชัน100หุ้น อายุ1/3/6เดือน spread/fee และMargin30–40%เป็นพารามิเตอร์เกม ไม่ใช่ข้อบังคับร่วมของทุกตลาด Flatเป็นสัญญาจำลองเพื่อเทียบต้นทุน ไม่อ้างว่าเป็นสินเชื่อส่วนบุคคลภายใต้กำกับที่เสนอได้จริง ออปชันหุ้นไทย/สหรัฐของเกมเป็นสัญญาสมมติ ไม่ใช่การยกสเปกTFEXไปใช้กับหุ้นรายตัวหรือแทนสัญญาสหรัฐจริง ภาษีอนุพันธ์ไทยใช้สมมติฐานตลาดที่เข้าเงื่อนไขยกเว้น ไม่ใช่ยกเว้นอนุพันธ์ทุกชนิด อัตราดอกเบี้ยMarginลอยตัวตามเศรษฐกิจเกม ตรวจหลักประกันรายเดือนจึงไม่แทนการตรวจระหว่างวันจริง แหล่งอ้างอิงใช้กำหนดหลักการ ณ วันตรวจ ไม่ทำนายกฎหมายอนาคตของโลกเกม

## รุ่น0.14 ภาวะสินเชื่อ

ธปท. อธิบายการปล่อยสินเชื่อขึ้นกับความสามารถชำระหนี้และระดับความเสี่ยงที่ธนาคารยอมรับได้ ซึ่งเปลี่ยนตามเศรษฐกิจ: https://www.bot.or.th/th/research-and-publications/articles-and-publications/articles/article-2024nov25.html

ธปท. แยกผลดอกเบี้ยต่อภาระผู้กู้ออกจากความเสี่ยงเครดิตที่ผู้ให้กู้ประเมิน: https://www.bot.or.th/th/research-and-publications/articles-and-publications/bot-magazine-issues/phrasiam-68-3/the-knowledge-low-growth-loan.html

เกมจำลองหลักการนี้ด้วยน้ำหนักและthresholdในREADME ไม่ใช่สมการจากธปท.และไม่ใช่โอกาสอนุมัติจริงของธนาคารรายใด สีธนาคารเป็นเพียงธีมอ้างอิงของแบรนด์สมมติ

รุ่น0.14.1 พาเลตUI: อ้างอิงแนวทางจัดเฉดและสีปฏิสัมพันธ์จากเอกสารทางการTradingView https://www.tradingview.com/charting-library-docs/latest/customization/styles/custom-themes/ ใช้สีพื้นผิวที่เลือกให้เหมาะกับเกม ไม่อ้างว่าคัดลอกหน้าตาหรือพิกเซลตรงกับTradingViewปัจจุบัน ไม่ใช้ไลบรารี/โลโก้/รูปภาพของTradingView

รุ่น0.14.3 การอ่านและลำดับสายตา: NN/g https://www.nngroup.com/articles/visual-hierarchy-ux-definition/ อธิบายการใช้ขนาด/สี/การจัดกลุ่มเพื่อแสดงลำดับความสำคัญ; W3C https://www.w3.org/WAI/WCAG21/Understanding/contrast-minimum กำหนดcontrastข้อความปกติ4.5:1และข้อความใหญ่3:1 ใช้เป็นเกณฑ์ตรวจคู่สีที่กำหนดในCSS ไม่อ้างรับรองการเข้าถึงทั้งแอป

จังหวัดรุ่น0.15.1: รายชื่อจังหวัดและการแบ่งกลุ่มอ้างอิงNSO Statistical Yearbook2025 https://www.nso.go.th/public/e-book/Statistical-Yearbook/SYB-2025/53/ เกมยังเก็บ5กลุ่มค่าสถิติเดิม โดยแยกกรุงเทพฯและ3ปริมณฑลแล้วรวมจังหวัดกลาง/ตะวันออก/ตะวันตกที่เหลือเพื่อรักษาสถิติเดิม การสุ่มจังหวัดภายในกลุ่มให้น้ำหนักเท่ากันเป็นสมมติฐาน ไม่ใช้สัดส่วนเกิดรายจังหวัด ภาคสำหรับแสดงตะวันออก/ตะวันตกตามกลุ่มในYearbook ไม่เปลี่ยนฐานรายได้ของครอบครัวเดิม

ฟอนต์รุ่น0.17: Thai pixel16pxของkomm64/k64-fonts https://github.com/komm64/k64-fonts เกิดจากNoto Sans Thai Lightภายใต้SIL OFL1.1; Pixelify Sans https://github.com/google/fonts/tree/main/ofl/pixelifysans ภายใต้SIL OFL1.1 เก็บcommitและใบอนุญาตในassets/fonts ไม่ใช้komm64Fantasyซึ่งมีใบอนุญาตคนละแบบ

## Corporate financial statements — linked-disclosure-v2 (2026-11-07)
- SET periodic disclosure: https://www.set.or.th/en/listing/listed-company/simplified-regulations/disclosure/periodic-disclosure
- SEC Thailand auditor guidance: https://www.sec.or.th/EN/Pages/LAWANDREGULATIONS/AUDITORFOLLOW.aspx
Thai listed companies: reviewed Q1–Q3 within45days of quarter end; audited annual within2months when no separate Q4 is filed. The alternative separate Q4/annual-within3months route is not modeled. The game selects a common December year-end and monthly buckets: Q1May, Q2August, Q3November, year-endFebruary. These are monthly disclosure windows, not exact legal deadlines or filing dates. US keeps the existing one-month post-quarter convention; this update does not claim it models each US issuer's SEC filing category.

New worlds vary opening scale ±6%, cash ratio ±6%, debt ratio ±3% using the world seed; immutable firm profiles (sector, moat, capex/dividend style, baseline cash/debt differences) stay fixed. Account balances roll forward monthly and quarterly reports freeze at period close before disclosure. No player-portfolio-conditioned adjustment. Same seed replays identically.
Existing saves receive a forward-only corporate-model command on load: no rewriting cash, prices, positions, financial reports already published, or old transactions. Unpublished Thai reports use the future disclosure schedule. Existing save opening figures are retained; seed-specific opening variation applies to newly created worlds.

## Historical crisis arcs — historical-arcs-v1 (2026-11-08)
Primary historical accounts used for transmission mechanisms, not copied asset returns:
- Bank of Thailand, Asian crisis lessons: https://www.bot.or.th/th/our-roles/special-measures/Tom-Yum-Kung-lesson.html
- Federal Reserve History, Asian crisis: https://www.federalreservehistory.org/essays/asian-financial-crisis
- Federal Reserve, overheating and financial vulnerability (including dot-com): https://www.federalreserve.gov/econres/notes/feds-notes/relationship-between-macroeconomic-overheating-and-financial-vulnerability-narrative-20181012.html
- Federal Reserve History, Great Recession: https://www.federalreservehistory.org/essays/great-recession-and-its-aftermath
- Federal Reserve, June 2020 monetary policy report: https://www.federalreserve.gov/monetarypolicy/2020-06-mpr-summary.htm
- Federal Reserve History, oil shock: https://www.federalreservehistory.org/essays/oil-shock-of-1973-74
- Cleveland Fed, post-pandemic inflation and monetary policy: https://www.clevelandfed.org/collections/speeches/2023/sp-20230710-update-on-economy-and-monetary-policy
Six fictional branching arcs, thirty stages. Severity, timing, trigger probability, credit/FX coefficients and recovery branches are game design parameters. See MAJOR_CRISES.md for scope and limitations.

## UI audio reference — 0.26.1
Original procedural layered SFX, no copied audio samples. Reference descriptions for mechanical select/confirm and metallic purchase/coin impact:
- https://www.asoundeffect.com/wp-content/uploads/2024/03/RTSB-INTERACTIVE-Data-Sheet.pdf
- https://www.asoundeffect.com/wp-content/uploads/2023/08/LevelCurve-Storefront-UI-Metadata.pdf
Click: transient plus low body; confirmation: heavier second tonal layer. Payment: register latch plus inharmonic metal strikes, different rising/falling transfer patterns. Buffered PCM normalized peak 0.88, master 0.85, compressor for overlapping UI cues.

## Generated audio replacement — 0.27
Five original sound-effect recordings generated through the connected Runway plugin on 2026-11-08, replacing the procedural oscillator/PCM effects. Task identifiers and durations in assets/audio/provenance.json. Source MP3 files stored with the game; no runtime dependency on expiring URLs or paid generation calls.

## Background music — 0.29
Three original instrumental tracks generated with the connected Runway music tool. Source task IDs, original durations and extended game-edit durations plus reprise/crossfade parameters are recorded in assets/music/provenance.json. Local MP3 playback needs no generation API during play. Source tracks were shorter than requested; game editions explicitly repeat an interior passage with two 2-second crossfades, normalized toward -18 LUFS.

## Living-cost baseline — 0.30 (2026-11-08)
- NSO Household Socio-Economic Survey 2024 summary: https://www.nso.go.th/nsoweb/downloadFile/survey/fP9/20250321102834_75752.pdf — average total household expenditure 22,282 THB/month, not an individual minimum.
- NESDC Poverty Situation 2024: https://www.nesdc.go.th/wordpress/wp-content/uploads/2025/09/Final-Report-2024_as-of-20250912.pdf — poverty line 3,078 THB/person/month, a poverty-measurement threshold rather than a working adult's comfortable budget.
Game's 10,000 THB starting budget and 4% real annual lifestyle escalation are explicit user-selected assumptions, not official estimates. Inflation uses actual in-world cumulative CPI for the year; falling positive inflation still increases expenses.

## Sourced event expansion — v0.32 (8 November 2026)
32 individually authored mechanisms with32 primary-source documents, kept in `src/event-library.js` inspiration metadata and `catalogs/events-sourced.json`; player news receives only id/title/body. Full source-to-channel mapping and historical dates: [EVENT_RESEARCH_v0.32.md](EVENT_RESEARCH_v0.32.md). Historical policy details are inspiration, not current law or a calibrated market forecast.