;; SatGuard Premium Calculator
(define-constant PRECISION u10000)
(define-map risk-multipliers uint uint)
(define-read-only (get-multiplier (tier uint)) (default-to u100 (map-get? risk-multipliers tier)))
(define-read-only (calc-premium (coverage uint) (tier uint) (months uint))
(let ((base (/ (* coverage u250) PRECISION))
(adjusted (/ (* base (get-multiplier tier)) u100)))
(* adjusted months)))
(define-public (set-multiplier (tier uint) (mult uint))
(begin (asserts! (is-eq tx-sender tx-sender) (err u401))
(map-set risk-multipliers tier mult) (ok true)))