Five files from one record.
One illustrative Texas bid, FM 1960 Widening, checked against live published ranges. The same record, read five ways — one per reader. Pick yours.
“I received a bid”
For Owner or engineer
$2,500 under $1M · $7,500 at $1M–$10M
“I wrote the bid”
For Contractor, bidder side
Free score; Desk founding $399/mo
“I'm underwriting it”
For Lender, surety, insurer
Issued with a validation, from $2,500
“I'm about to advertise”
For Agency, before the letting
$1,500 under $1M
“I track items between bids”
For Factum Desk subscriber
Founding $399/mo, 5 watched items
Building types — home, tenant improvement, apartment, retail, industrial — File not open.
FCT-TX-2026-0417
Owner file
For Owner or engineer · 13 pages
- ·Thirteen pay items checked line by line against public Texas pricing
- ·Five factors — farthest above, farthest below, not on file, not comparable
- ·The full pay-item schedule, findings, and the bidder module behind a separation statement
Verify · factumreport.com/verify · ID FCT-TX-2026-0417. Challenge any range at factumreport.com/challenge.
FCT-TX-2026-0417-B
Bid construction file
For Contractor, bidder side · 4 pages
- ·Where the bid sits — 1.51× the median, 1.01× the top of range
- ·The defensible repricing envelope on every line outside the range
- ·Margin risk on the one line priced below it, behind a separation statement
Verify · factumreport.com/verify · ID FCT-TX-2026-0417-B. Challenge any range at factumreport.com/challenge.
FCT-TX-2026-0417-E
Exposure file
For Lender, surety, insurer · 2 pages
- ·Status — 1.51× the Texas median, 1.01× the top of every range
- ·79% of bid dollars scored · 21% not scored, with the dollar amount
- ·The three lines above the published range and their exposure dollars
Verify · factumreport.com/verify · ID FCT-TX-2026-0417-E. Challenge any range at factumreport.com/challenge.
FCT-TX-2026-0417-P
Pre-bid range
For Agency, before the letting · 3 pages
- ·The published Texas range for every pay item at the tendered quantity
- ·Published · NOT COVERED · NOT COMPARABLE, stated per line
- ·What a pre-bid range is, and is not, plus where the numbers come from
Verify · factumreport.com/verify · ID FCT-TX-2026-0417-P. Challenge any range at factumreport.com/challenge.
FCT-TX-2026-0417-D
Desk item file
For Factum Desk subscriber · 2 pages
- ·One published cell — the range, the median, the record and letting counts
- ·No project, no bid price, no verdict — just the item being watched
- ·What a band-movement alert sends when the published range moves
Verify · factumreport.com/verify · ID FCT-TX-2026-0417-D. Challenge any range at factumreport.com/challenge.