dlgrv · Sep 18, 2026 · Sep 18, 2026 · Sep 18, 2026 · Sep 18, 2026 · Sep 18, 2026
diff --git a/.gitignore b/.gitignore
@@ -1,2 +1,6 @@
 .idea/
 .junie/
+
+# translation pipeline transient state
+tools/digest/
+tools/.status/
diff --git a/README.md b/README.md
diff --git a/README.ru.md b/README.ru.md
@@ -1,6 +1,6 @@
-> Неофициальный перевод файла [README.md](README.md). При расхождениях приоритет у китайского оригинала.
+> Неофициальный перевод. Китайский оригинал: [README.zh.md](README.zh.md); английский: [README.md](README.md). При расхождениях приоритет у китайского оригинала.
 
-**← Другие языки / Languages:** [中文](README.md)
+**← Другие языки / Languages:** [中文](README.zh.md) · [English](README.md)
 
 <div align="center">
 
@@ -19,7 +19,7 @@
 
 **[Открыть страницу онлайн-поиска](https://eternity4719.github.io/HowToLiveBetter/)** · [Оглавление](#оглавление) · [Глоссарий](#как-читать-цифры-глоссарий) · [Записи проверки](docs/核实记录/) · [Выгоден ли брак](docs/ru/结婚划不划算.md) · [Домашний аварийный комплект](docs/ru/家庭应急装备清单.md) · [Стоит ли останавливаться, если с незнакомцем случилась беда](docs/ru/遇到陌生人出事该不该停.md) · [Какие документы нужны для запуска площадки](docs/ru/做平台要办哪些证.md)
 
-**Языки / Languages:** [中文](README.md)
+**Языки / Languages:** [中文](README.zh.md) · [English](README.md)
 
 </div>
 

diff --git a/README.zh.md b/README.zh.md
diff --git a/TRANSLATION.md b/TRANSLATION.md
@@ -68,8 +68,47 @@ Chinese original (`../01-不要早死.md`) — that link must not change.
 | 30 | 30-Ребёнок-в-школе |
 | 31 | 31-Дороги-после-восемнадцати |
 
-EN filenames: decide together with the EN pilot's fate (same rename policy or mirror the
-Chinese names) — do not mix schemes between languages silently.
+README policy (decided 2026-09-18): in the dlgrv fork the primary README language is English.
+- `README.md` — English (becomes the root README on `translation/en` and fork `main`)
+- `README.zh.md` — Chinese (renamed copy of the original Chinese README, links back to EN + RU)
+- `README.ru.md` — Russian (existing; gets a tri-lingual Languages line)
+Apply when the EN README is ready; keep all three linked via a `Languages:` line.
+
+EN filenames: English slugs under `book/en/`, same two-digit prefix (decided 2026-09-18):
+
+| Ch | Slug |
+|---|---|
+| 01 | 01-Do-Not-Die-Early |
+| 02 | 02-Do-Not-Die-Slowly |
+| 03 | 03-Do-Not-Waste-Energy |
+| 04 | 04-Do-Not-Waste-Time |
+| 05 | 05-Do-Not-Waste-Money |
+| 06 | 06-The-Anti-List |
+| 07 | 07-Living-With-No-Money |
+| 08 | 08-Do-Not-End-Up-Inside |
+| 09 | 09-Legal-Red-Lines |
+| 10 | 10-Is-Love-And-Marriage-Worth-It |
+| 11 | 11-Red-Lines-For-Techies |
+| 12 | 12-Starting-Your-Own-Business |
+| 13 | 13-Emergencies |
+| 14 | 14-Accounts-And-Security |
+| 15 | 15-Renting-And-Buying-Housing |
+| 16 | 16-Living-With-Chronic-Disease |
+| 17 | 17-Elderly-At-Home |
+| 18 | 18-Is-Having-Kids-Worth-It |
+| 19 | 19-Employment-And-Work-Injury |
+| 20 | 20-Newborn |
+| 21 | 21-Travel-And-Abroad-Safety |
+| 22 | 22-How-To-Relax |
+| 23 | 23-Which-Skills-To-Learn |
+| 24 | 24-Seeing-The-Doctor |
+| 25 | 25-After-Someone-Dies |
+| 26 | 26-Building-A-Website-Or-Platform |
+| 27 | 27-Pregnancy-And-Birth |
+| 28 | 28-Do-Not-Ruin-Health-For-Looks |
+| 29 | 29-After-A-Major-Blow |
+| 30 | 30-School-Age-Kids |
+| 31 | 31-Paths-After-Eighteen |
 
 ## Russian README (README.ru.md)
 

diff --git a/book/en/01-Do-Not-Die-Early.md b/book/en/01-Do-Not-Die-Early.md
diff --git a/book/en/02-Do-Not-Die-Slowly.md b/book/en/02-Do-Not-Die-Slowly.md
diff --git a/book/en/03-Do-Not-Waste-Energy.md b/book/en/03-Do-Not-Waste-Energy.md
diff --git a/book/en/04-Do-Not-Waste-Time.md b/book/en/04-Do-Not-Waste-Time.md
diff --git a/book/en/05-Do-Not-Waste-Money.md b/book/en/05-Do-Not-Waste-Money.md
diff --git a/book/en/06-The-Anti-List.md b/book/en/06-The-Anti-List.md
diff --git a/book/en/07-Living-With-No-Money.md b/book/en/07-Living-With-No-Money.md
diff --git a/book/en/08-Do-Not-End-Up-Inside.md b/book/en/08-Do-Not-End-Up-Inside.md
diff --git a/book/en/09-Legal-Red-Lines.md b/book/en/09-Legal-Red-Lines.md
diff --git a/book/en/10-Is-Love-And-Marriage-Worth-It.md b/book/en/10-Is-Love-And-Marriage-Worth-It.md
diff --git a/book/en/11-Red-Lines-For-Techies.md b/book/en/11-Red-Lines-For-Techies.md
diff --git a/book/en/12-Starting-Your-Own-Business.md b/book/en/12-Starting-Your-Own-Business.md
diff --git a/book/en/13-Emergencies.md b/book/en/13-Emergencies.md
diff --git a/book/en/14-Accounts-And-Security.md b/book/en/14-Accounts-And-Security.md
diff --git a/book/en/15-Renting-And-Buying-Housing.md b/book/en/15-Renting-And-Buying-Housing.md
@@ -0,0 +1,76 @@
+[← Back to the master table of contents](../README.md)
+
+# 15. Renting and Buying a Home
+
+Scope: money. With renting, most of the money goes into the deposit and agent fees; with buying, most goes into interest and information asymmetry.
+### 1. Put the deposit amount, refund deadline, and deduction conditions in writing in the contract
+<!-- 成本标签: 钱=0 时间=少 毅力=些 收益=中 口径=金钱 -->
+- Cost: 0 yuan; ten extra minutes at signing
+- In plain terms: any deduction reason not written into the contract is one the landlord cannot use against your deposit when you move out. How much the deposit is, when it comes back, and what triggers deductions — all of it needs to be on the contract before you sign.
+- Benefit: administrative regulations state explicitly: "Where the lessor collects a deposit, the amount of the deposit, the time of its return, and the circumstances under which it may be deducted shall be specified in the housing lease contract. Except as specified in the housing lease contract, the lessor may not deduct the deposit without justified reason." In other words, a reason absent from the contract is not a reason the landlord can use to take your money
+- Evidence grade: A
+- Sources: 国务院 (2025). 住房租赁条例（国令第 812 号，2025 年 9 月 15 日施行）（第十条）. <https://www.gov.cn/zhengce/zhengceku/202507/content_7032956.htm>
+- Notes: when moving out, take photos and video together with the landlord — utility meter readings, walls and floors included. If your deposit is withheld without cause, first file a complaint with the housing rental administration; for small amounts, use small-claims litigation, see section 8
+
+### 2. If the landlord cuts water or power, changes the locks, or shows up to threaten you out, call the police and preserve evidence first: regulations forbid these tactics for forcing you out
+<!-- 成本标签: 钱=0 时间=少 毅力=否 收益=中 口径=金钱 -->
+- Cost: 0 yuan
+- In plain terms: a landlord cannot pressure you into breaking the lease or moving out by cutting utilities, changing locks, or showing up to intimidate you — regulations explicitly ban this. When it happens, call the police first; the police report is the evidence you will use later to claim losses. Do not fight back physically yourself.
+- Benefit: administrative regulations state explicitly: "The lessor may not use violence, threats, or other unlawful means to force the lessee to terminate the housing lease contract or vacate the leased housing." When this happens, call the police and preserve evidence first; do not fight back physically yourself
+- Evidence grade: A
+- Sources: 国务院 (2025). 住房租赁条例（国令第 812 号，2025 年 9 月 15 日施行）（第十二条）. <https://www.gov.cn/zhengce/zhengceku/202507/content_7032956.htm>
+- Notes: the point of calling the police is to get a police report on file — that is your evidence for claiming losses later. Also notify the housing rental administration
+
+### 3. Do not let the agency collect or forward rent and deposit on your behalf — pay the landlord directly
+<!-- 成本标签: 钱=0 时间=少 毅力=些 收益=大 口径=金钱 -->
+- Cost: 0 yuan
+- In plain terms: by the rules, rent and deposit must not be collected or forwarded by the agency; the money goes straight to the landlord. Every pass through the agent's hands is one more chance it runs off with the funds and you lose the rent while the landlord still kicks you out. Before paying, check that the payee's name matches the one on the property ownership certificate.
+- Benefit: administrative regulations list "collecting or forwarding housing rent and deposits on behalf of others" as a prohibited act for real estate brokerage firms. Every pass through the agent's hands is one more chance the money disappears with the agent
+- Evidence grade: A
+- Sources: 国务院 (2025). 住房租赁条例（国令第 812 号，2025 年 9 月 15 日施行）（第二十五条）. <https://www.gov.cn/zhengce/zhengceku/202507/content_7032956.htm>
+- Notes: before paying, verify that the payee matches the name on the property ownership certificate; if it does not, ask for clarification and get written authorization. The agency's cut is limited to the brokerage service fee
+
+### 4. Before renting from a long-term apartment operator, check its regulated funds account — do not pay a year up front just for the discount
+<!-- 成本标签: 钱=0 时间=中 毅力=些 收益=大 口径=金钱 -->
+- Cost: 0 yuan; one check takes ten-odd minutes
+- In plain terms: the small discount for paying a year in advance will not cover the loss when the company collapses and your deposit and the remaining ten-odd months of rent vanish together. Tied to a rent loan it is even worse: the apartment operator disappears, and you are still on the hook to repay the loan month after month. Before signing, check whether it has publicly disclosed a regulated funds account.
+- Benefit: administrative regulations require housing rental enterprises engaged in subleasing operations to "establish a housing rental funds supervision account and disclose it to the public". The small discount for paying a year up front does not offset the risk that a company collapse wipes out the deposit and remaining rent together, especially when a rent loan is signed at the same time
+- Evidence grade: A
+- Sources: 国务院 (2025). 住房租赁条例（国令第 812 号，2025 年 9 月 15 日施行）（第十九条）. <https://www.gov.cn/zhengce/zhengceku/202507/content_7032956.htm>
+- Notes: when signing, read carefully whether a loan is bundled in: if an installment app disburses the money to the operator and you repay it monthly, you keep repaying even after the operator disappears. Do not sign such a contract
+
+### 5. If the home is sold mid-lease, the lease stays valid and you do not have to move
+<!-- 成本标签: 钱=0 时间=少 毅力=否 收益=中 口径=金钱 -->
+- Cost: 0 yuan
+- In plain terms: if the property is sold while your lease is still running, the lease remains in force — the new owner must honor the original contract and let you stay until it expires. No moving out, no renegotiating the rent. The condition is that you are already lawfully living there, so keep the contract, the transfer records, and proof of your move-in date.
+- Benefit: the Civil Code's "sale does not break the lease" rule: a change of ownership of the leased property during the lease term does not affect the validity of the lease contract. The new owner must perform under the original contract until it expires
+- Evidence grade: A
+- Sources: 全国人大 (2020). 民法典（第七百二十五条）. <https://www.spp.gov.cn/spp/fl/202006/t20200602_463888.shtml>
+- Notes: the premise is that you have lawfully taken possession and are using the home. That is why the contract, transfer records, and proof of the move-in date need to be kept
+
+### 6. Verify the ownership certificate and mortgage status before signing, and make every payment by bank transfer with a note stating its purpose
+<!-- 成本标签: 钱=0 时间=少 毅力=些 收益=大 口径=金钱 -->
+- Cost: 0 yuan; one check takes half an hour
+- In plain terms: the two most common ways to lose everything are paying rent to someone who is not the owner, and a home that was already mortgaged to the bank and later gets seized. Before signing, go to the real estate registration center once to check ownership and mortgage status; route all money through bank transfers with a note like "rent for [month], [address] property". If a dispute arises, that note is direct evidence.
+- Benefit: paying rent to someone other than the owner, and a home already mortgaged to the bank that ends up seized, are the two most common ways to lose everything. A transfer note reading "rent for [month], [address] property" is direct evidence in a dispute
+- Evidence grade: C
+- Sources: 作者经验，无直接文献；证据留存与转账备注同理见第 8 节关于彩礼和借条的两条
+- Notes: ownership information can be checked at the local real estate registration center, with the landlord present in person or providing a power of attorney. Subletting by a second landlord requires the original owner's written consent
+
+### 7. When an agency collects the purchase price for a second-hand home, the money must go through its dedicated bank escrow account for transaction funds
+<!-- 成本标签: 钱=0 时间=少 毅力=些 收益=大 口径=金钱 -->
+- Cost: 0 yuan; insisting on the escrow account may take a few extra arguments with the agency
+- In plain terms: a home purchase runs from several hundred thousand to several million yuan — the single largest amount in this book. When the agency collects the money, the rules require it to pass through a dedicated bank escrow account for transaction funds, not a WeChat transfer to an agent's personal account. Two other places commonly overcharge: two agencies working one deal may charge only one commission, and loan or title-transfer handling are separate services that need a separate contract with the fees stated in advance.
+- Benefit: the rules state in writing: where the parties agree that a real estate brokerage firm will collect and forward transaction funds, the funds must be transferred through the special deposit account for client transaction settlement funds opened by the firm at a bank — the purchase price goes into a supervised escrow account, not the private account of the agency or some agent
+- Evidence grade: A
+- Sources: 住房城乡建设部、国家发展改革委、人力资源社会保障部 (2011). 房地产经纪管理办法（令第 8 号，2016 年第 29 号令修改）第二十四条：「房地产交易当事人约定由房地产经纪机构代收代付交易资金的，应当通过房地产经纪机构在银行开设的客户交易结算资金专用存款账户划转交易资金。」第十八条「房地产经纪服务实行明码标价制度……在经营场所醒目位置标明房地产经纪服务项目、服务内容、收费标准」；第十九条「两家或者两家以上房地产经纪机构合作开展同一宗房地产经纪业务的，只能按照一宗业务收取佣金，不得向委托人增加收费」；第十七条代办贷款、代办房地产登记等其他服务「应当向委托人说明服务内容、收费标准等情况，经委托人同意后，另行签订合同」. <http://www.gov.cn/gongbao/content/2011/content_1918920.htm>
+- Notes: a home purchase runs from several hundred thousand to several million yuan — the single largest amount in this book — so never WeChat it to an agent. Two other common overcharges: two agencies jointly handling one deal may charge only one commission; loan and title-transfer handling are separate services requiring a separate contract with fees disclosed in advance. Route all payments by transfer with a note stating the purpose, see the previous item in this section.
+
+### 8. Do not rent a partitioned room: the smallest rentable unit is a room as originally designed, and kitchens, bathrooms, and balconies must not be lived in
+<!-- 成本标签: 钱=0 时间=少 毅力=否 收益=中 口径=金钱 -->
+- Cost: 0 yuan; the price is that the same budget gets you somewhere farther out or smaller
+- In plain terms: by the rules, the smallest rentable unit is a room as originally designed, and kitchens, bathrooms, balconies, and basement storage rooms cannot be lived in. When a partitioned unit gets shut down, it is the tenant who has to move, and the deposit and rent already paid are usually lost; separately, the landlord also cannot raise the rent arbitrarily and unilaterally during the lease.
+- Benefit: the rules state in writing that the smallest rentable unit is a room as originally designed, that average floor area per tenant must not fall below the local minimum standard, that kitchens, bathrooms, balconies, and basement storage rooms must not be rented out for people to live in, and that during the lease term the lessor may not raise the rent unilaterally and arbitrarily
+- Evidence grade: A
+- Sources: 住房和城乡建设部 (2010). 商品房屋租赁管理办法（令第 6 号）第八条：「出租住房的，应当以原设计的房间为最小出租单位，人均租住建筑面积不得低于当地人民政府规定的最低标准。厨房、卫生间、阳台和地下储藏室不得出租供人员居住。」第九条：「出租人应当按照合同约定履行房屋的维修义务并确保房屋和室内设施安全……房屋租赁合同期内，出租人不得单方面随意提高租金水平。」<http://www.gov.cn/gongbao/content/2011/content_1845070.htm>
+- Notes: when illegal partitions are shut down, it is the tenant who moves, and the deposit and paid rent usually cannot be recovered. Safety is also worse: partition walls often block escape routes, and one crowded unit shares a single circuit. When viewing, check whether walls were built later, whether rooms have windows, and whether the electricity meter can handle that many people.