Keystone GPT v12.3.1

Domain-adapted Llama 3.1 8B Instruct, LoRA fine-tuned then merged. Targets community / regional bank financial analysis: call-report interpretation, RAG over banking statutes and regulations, regulator- facing memos. v12.3.1 adds polish-pass training (off-topic redirect, clean calculation output, regulatory humility, no-fake-data templates).

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