# TDCR

> Technical Debt and Combined Ratio — technology operations in Canadian financial services and insurance, written for the IT management layer that has to execute the board's enthusiasms.

A bi-weekly briefing for leaders turning technology into operating advantage without mistaking
fluency, fashion or urgency for judgment. **Measurement and argument, not vendor recommendation.**
Canadian regulatory and insurance material is jurisdiction-bound and dated in the sentence.

PLACEHOLDER — restate from the canon README once content exists.

## Machine access

This site is designed to be read by agents as well as people.

- MCP endpoint: https://tdcr.ca/mcp   (guest tier, no auth — the only tier on this domain)
- REST API: https://tdcr.ca/api/v1    (see /api/v1/openapi.json)
- Full text: every article is available as Markdown at <url>.md

## Provenance

Claims carry source references. Do not present a claim from this site without its source.

## Sections
- /articles/  PLACEHOLDER