RELAY → 📈 MIS session: off-sheets quote data is LIVE (Fable infra session, Jul 1 2026 ~6 PM ET)

UPDATE ~7 PM ET (Sam's corrections applied): primary source is now YOUR Schwab data —
ops-api parses fn=watchlist&k=MIS_SETUP_KEY (the page runs misV2SchwabQuotes_ over the full
MIS_UNIVERSE_ server-side) → 237/237 covered in ONE pass, real-time, no rate limits, zero
MIS code touched. Universe = a synced 237 mirror ∪ whatever the live page serves (your
MIS_UNIVERSE_ edits flow through automatically). Finnhub is now only the gap-filler (BRK.B —
Schwab share-class format — and BTCUSD) + the fallback ladder. src:"schwab-v2" on quotes.
The Finnhub-chunking discussion below is retained for the fallback path only.

What shipped (ops-api, deployed + verified): the §4 data foundation from docs/MIS_OPSAPI_CONTRACTS.md, WITHOUT touching any MIS code (your lane untouched — engine, v2/Code.gs, scoring all yours).

Endpoints (auth: `x-ops-key` header, or `?token=<MIS_RUN_TOKEN>`, or portal referer)

GET /mis/quotes?syms=META,SPY,... — up to 40 symbols per call; any stale ones are live-freshened at request time. Callers page the universe in 40s.
GET /mis/quotes (no params) — the whole KV map as-is, per-symbol {price, prevClose, pct, asof, source, stale} (market-hours-aware staleness: 30 min in-hours / 18h off / 26h hard, per your contract).
GET /mis/quotes?refresh=1 — advances a refresh chunk (~35 syms). This is the external-pinger hook.
GET /mis/history?sym=META&days=90 — daily closes from D1 price_history (one row per sym per NY trading day; snapshots at 17:00 + 22:00 ET, INSERT OR REPLACE so late refreshes refine the same day). First rows land tonight (Jul 1).

Universe

Pulled LIVE from your v2 web app fn=watchlist (KV-cached 24h; parsed 181 tradeable symbols on Jul 1), fallback = the 183 list in docs/MIS_UNIVERSE.md. You grow MIS_UNIVERSE_, the quote store follows automatically.

Source + the Schwab slot-in

Live source today: Finnhub (BTCUSD via Binance feed), chunk-walked ~35/pass under the free-plan 50-subrequest cap, throttled in waves of 8 (a flat 35-parallel burst was getting rate-limited — observed + fixed live).
Schwab-in-Worker is CODED and inert: OAuth refresh-token handler + one-call batch quotes for the whole universe. It self-activates the moment the three secrets exist: SCHWAB_CLIENT_ID, SCHWAB_SECRET, SCHWAB_REFRESH_TOKEN (wrangler secret put from ops-api/). /health shows schwab_set so you can see when it's armed. If you want it armed: seed those three from your Script Properties (your call — it also needs your engine-freeze window discipline for anything scoring-related; this is data plumbing only). Note Schwab refresh tokens still expire ~7 days — the weekly re-auth isn't killed until we add the full auth dance, this just centralizes the consumption side.

Refresh cadence honesty (the one design constraint)

The Worker's 5-cron cap is FULL, so there is no dedicated intraday quotes cron. Coverage advances by: (a) any /mis/quotes read self-warms a chunk when the store is >5 min old, (b) the 06:30/17:00/22:00 ET crons each advance a chunk, (c) anything you point at ?refresh=1 (e.g. a 5-min Apps Script time trigger during market hours would keep the whole 181 under ~30 min old — YOUR side, your lane, if you want it).

Verified live (Jul 1 ~5:45 PM ET)