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Confidence & citations

This is the most important promise Oblifee makes: no figure is shown without telling you how sure it is and where it came from. Every rate, fee and threshold carries a confidence label and a citation. This page explains exactly what the labels mean, when to lean on each, and how citations work - because a number you cannot judge and cannot trace is a number you cannot use.

The three confidence labels​

Every regulatory figure in Oblifee is one of three things. The label travels with the figure everywhere it appears - in tables, on detail pages, in the dashboard and in exports.

LabelWhat it meansLean on it?
ConfirmedA published, in-force rate taken from an official source.Yes - this is the real, current figure.
IllustrativeA scheme draft or proposed figure not yet in force.Directionally - plan with it, but expect it to move.
EstimateOblifee's own figure, derived where no official rate is published, and marked as such.For sizing only - treat as an approximation.

Confirmed​

A confirmed figure is a published rate that is currently in force, checked against its official source. When Oblifee shows a confirmed fee, it is telling you: this is the actual rate the scheme charges today. These are the figures you file and pay against.

Illustrative​

An illustrative figure comes from a scheme's draft - a rate that has been proposed or consulted on but is not yet law. It is genuine regulatory intent, not a guess, but it can change before it takes effect. Use illustrative figures to plan and budget, and expect to revisit them when the final rate is confirmed.

Estimate​

An estimate is Oblifee's own figure, produced where no official rate has been published yet, and always labelled as an estimate. It exists so a market is not simply blank - it lets you size an exposure - but it is explicitly not an official number. Never file an estimate as fact; use it to understand rough scale until a confirmed rate lands.

Where you see the labels​

  • Coloured pills next to rates and market figures - hover or focus a pill for a one-line explanation of what that label means.
  • Aggregated on the dashboard, so you can see how much of your total position is confirmed versus illustrative versus estimated.
  • In every export. The PDF report prints a plain-language key - "Confirmed = published rate. Illustrative = scheme draft. Estimate = our figure, marked as such" - and reminds you that every figure carries its source in the app.

:::danger Never file an estimate as a confirmed figure The labels exist precisely so you can tell them apart. Filing an illustrative or estimate figure with a scheme as though it were confirmed is exactly the mistake Oblifee is built to prevent. Check the label before you submit or pay. :::

Citations - a source on every figure​

A confidence label tells you how sure; a citation tells you from where. Regulatory facts in the brain carry one or more citations - links to the official rule, scheme document or regulator page the figure is drawn from. Those links surface throughout the app:

  • On a rate or obligation detail, the citation links straight to the source.
  • On market and obligation records, each requirement carries its own citation.
  • In the News feed, each change lists the sources behind it.

Because the brain reads live and never copies rules into the product's own tables, a citation always points at the source behind the current figure - not a stale snapshot.

:::info Trace anything, defend everything The combination is the point: a label so you know how much to trust a number, and a citation so you can check it yourself. Together they mean any figure Oblifee shows can be traced to its source and defended to an auditor. :::

Oblifee cites; it does not advise​

Oblifee labels its confidence and cites its sources. It does not give legal advice. The labels and citations are there so you and your advisors can make an informed final call - not to replace that judgement. See What Oblifee is not.

Where to go next​