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Fine-Kinney (Fine 1971 / Kinney-Wiruth 1976): Risk = Probability x Exposure x Consequence — a PUBLISHED, freely-usable method (not a DIN/Beuth/ISO standard), widely used incl. CE-marking. Gives the professional a second, US-recognized model alongside the EN-62061-style one; German exporters get both for free and adjust with their own licensed norm data. risk_fine_kinney.go: SuggestFineKinney derives justified P/E/C from public anchors (ESAW frequency -> P, lifecycle -> E, de-biased severity -> C on the Fine-Kinney consequence scale) + ComputeFineKinney(p,e,c) so the professional can override with his own values. No norm table stored. GT benchmark (rank concordance vs the professional): Fine-Kinney 75.4% — beats the EN-62061-style model (69.3%) and the raw engine (57%). Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>