P(T) — penalty ratio / loss
P(T) = PENALTY_RATIO_MIN + (T/7)·(MAX−MIN); loss = −P(T)·R·…
Definition
Trust is lost faster the more trusted you are: the penalty ratio P(T) rises with tier T from PENALTY_RATIO_MIN (3) at T0 to PENALTY_RATIO_MAX (10) at T7. A failure costs −P(T) · R · GAIN_RATE · ln(1 + ceiling/2), so a high-tier agent failing a high-risk action is punished hardest. This same P(T)×R is the per-failure contribution to the risk accumulator.