@prefix : <https://ontology.yourbank.com/lending#>.
@prefix fibo-fbc-dae-dbt: <https://spec.edmcouncil.org/fibo/ontology/FBC/DebtAndEquities/Debt/>.
@prefix fibo-be-le-lp: <https://spec.edmcouncil.org/fibo/ontology/BE/LegalEntities/LegalPersons/>.
@prefix owl: <http://www.w3.org/2002/07/owl#>.
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#>.
@prefix xsd: <http://www.w3.org/2001/XMLSchema#>.

### Classes ###

:LeveragedLoan a owl:Class ;
    rdfs:subClassOf fibo-fbc-dae-dbt:CreditAgreement ;
    rdfs:label "Leveraged Loan" ;
    rdfs:comment "A loan extended to companies with high debt-to-EBITDA ratios, typically rated below investment grade.".

:CovenantLiteFacility a owl:Class ;
    rdfs:subClassOf :LeveragedLoan ;
    rdfs:label "Covenant-Lite Facility" ;
    rdfs:comment "A facility lacking financial maintenance covenants, relying on incurrence covenants.".

:UnrestrictedSubsidiary a owl:Class ;
    rdfs:subClassOf fibo-be-le-lp:LegalEntity ;
    rdfs:label "Unrestricted Subsidiary" ;
    rdfs:comment "A subsidiary designated outside the credit group, a key vector for value leakage.".

:EBITDA_Adjustment a owl:Class ;
    rdfs:label "EBITDA Adjustment" ;
    rdfs:comment "An add-back or deduction applied to GAAP earnings.".

:GeopoliticalRiskEvent a owl:Class ;
    rdfs:label "Geopolitical Risk Event" ;
    rdfs:comment "External shock impacting creditworthiness, e.g., 'Operation Midnight Hammer'.".

### Properties ###

:hasJCrewBlocker a owl:DatatypeProperty ;
    rdfs:domain :LeveragedLoan ;
    rdfs:range xsd:boolean ;
    rdfs:label "has J.Crew blocker" ;
    rdfs:comment "Indicates prohibition of IP transfers to unrestricted subsidiaries.".

:calculatedDSCR a owl:DatatypeProperty ;
    rdfs:domain :LeveragedLoan ;
    rdfs:range xsd:decimal ;
    rdfs:label "Calculated DSCR" ;
    rdfs:comment "Debt Service Coverage Ratio: (EBITDA - Capex) / Debt Service.".

:isExposedTo a owl:ObjectProperty ;
    rdfs:domain fibo-be-le-lp:LegalEntity ;
    rdfs:range :GeopoliticalRiskEvent ;
    rdfs:label "is exposed to" ;
    rdfs:comment "Models causal link between macro event and borrower.".