diff --git a/src/profiles/_grants.ts b/src/profiles/_grants.ts
index add44ee..352e956 100644
--- a/src/profiles/_grants.ts
+++ b/src/profiles/_grants.ts
@@ -78,6 +78,36 @@ export function open(object: ObjectLike, fields: readonly string[]): FieldSecuri
   return Object.fromEntries(fields.map((field) => [`${object.name}.${field}`, { readable: true, editable: true }]));
 }
 
+/**
+ * The same entries, voting only on the rows `condition` matches — the field
+ * permission's row condition (`when`, `@objectstack/spec` 18.2.0,
+ * objectstack-ai/objectstack#25866). On every other row the entry is ABSENT,
+ * not open: the most-permissive merge and the "only declaring sets vote" rule
+ * ({@link open}) are unchanged, so a co-held set that locks the same field —
+ * `clm_requester`'s stamps, `risk_level`, `liability_cap` — still locks it
+ * there, and a set that says nothing still lifts nothing.
+ *
+ * The write gate judges the condition on the STORED row before an update (a
+ * lock on `status in [...]` holds on an approved contract even when the write
+ * moves `status`) and on the incoming row of an insert. The condition reaches
+ * the EDIT vote only, so a {@link hidden} entry is refused here, as the spec
+ * refuses `readable: false` beside a `when`. Readers that hold no row — the
+ * record form's field projection, `/auth/me/permissions` — report a
+ * conditioned entry as its lock on every row.
+ *
+ * Use it for "this set locks these fields from a stage onward": the lock then
+ * stays off the draft a holder of the set launches as a requester.
+ */
+export function onRowsWhere(security: FieldSecurity, condition: string): FieldSecurity {
+  const unreadable = Object.entries(security).filter(([, perm]) => perm.readable === false).map(([key]) => key);
+  if (unreadable.length > 0) {
+    throw new Error(
+      `onRowsWhere: ${unreadable.join(', ')} ${unreadable.length === 1 ? 'is' : 'are'} not readable — a row condition reaches the edit vote only, so a read lock cannot carry one.`,
+    );
+  }
+  return Object.fromEntries(Object.entries(security).map(([key, perm]) => [key, { ...perm, when: condition }]));
+}
+
 /** Every authored field of the object except `except` is {@link open}. */
 export function openAllExcept(object: ObjectLike, except: readonly string[]): FieldSecurity {
   assertFields(object, except, 'openAllExcept');
diff --git a/src/profiles/finance.profile.ts b/src/profiles/finance.profile.ts
index 1c09e5c..32809a8 100644
--- a/src/profiles/finance.profile.ts
+++ b/src/profiles/finance.profile.ts
@@ -3,7 +3,7 @@ import { Contract } from '../objects/contract.object.js';
 import { Party } from '../objects/party.object.js';
 import { Review } from '../objects/review.object.js';
 import { POST_APPROVAL_STATUSES } from '../sharing/_lifecycle.js';
-import { CONTRACT_LEGAL_FIELDS, CONTRACT_STAMPED_FIELDS, CONTRACT_TERMINATION_REASON, editableOnly, hidden, inList, open, readOnly } from './_grants.js';
+import { CONTRACT_LEGAL_FIELDS, CONTRACT_STAMPED_FIELDS, CONTRACT_TERMINATION_REASON, editableOnly, hidden, inList, onRowsWhere, open, readOnly } from './_grants.js';
 
 /**
  * `clm_finance` — the finance controller (DESIGN.md §04).
@@ -13,9 +13,11 @@ import { CONTRACT_LEGAL_FIELDS, CONTRACT_STAMPED_FIELDS, CONTRACT_TERMINATION_RE
  * arrive through `contract_finance_post_approval` (`edit`, approved onward);
  * the row policy below repeats that window so it survives the OR-merge with
  * `clm_requester` (see `legal.profile.ts`); and the FLS entries are the lock:
- * a finance user's write that names `status` — or any legal field — is refused
- * with 403 (`Field write denied`). Card 04 measured exactly that on a running
- * app; the PR carries the transcript.
+ * a finance user's write that names `status` — or any legal field — on an
+ * approved-or-later contract is refused with 403 (`Field write denied`). Card
+ * 04 measured exactly that on a running app; the PR carries the transcript.
+ * The lock carries the same window as a row condition (`onRowsWhere`), so it
+ * does not land on the draft a finance controller launches (#127).
  *
  * On `clm_review`, "RCU（stage=finance）": finance reads every review of a
  * contract it can see (legal's `internal_note` withheld) and creates or
@@ -45,7 +47,17 @@ export const FinanceSet = definePermissionSet({
     // §04 "FLS 锁法律字段" + §13 Q1 "与 status". The termination reason travels
     // with `status` on the same write, so locking one without the other would
     // leave finance able to author half of a transition it may not make.
-    ...readOnly(Contract, [...CONTRACT_LEGAL_FIELDS, 'status', CONTRACT_TERMINATION_REASON]),
+    //
+    // From `approved` onward only — the rows finance edits as finance (#127,
+    // ruling A). Before that the entries are absent, so on the draft a finance
+    // controller launches as a requester, `clm_requester` alone decides: the
+    // legal fields and `status` are open there as they are to every launcher,
+    // and `risk_level`, `liability_cap` and the termination reason stay locked
+    // by the requester's own entries. The stamps above stay unconditional.
+    ...onRowsWhere(
+      readOnly(Contract, [...CONTRACT_LEGAL_FIELDS, 'status', CONTRACT_TERMINATION_REASON]),
+      inList('status', POST_APPROVAL_STATUSES),
+    ),
     ...hidden(Review, ['internal_note']),
     ...editableOnly(Party, ['bank_name', 'bank_account']),
     // editableOnly declares only the fields it locks, so the banking pair has
diff --git a/src/profiles/records.profile.ts b/src/profiles/records.profile.ts
index b3eb738..d3af9e7 100644
--- a/src/profiles/records.profile.ts
+++ b/src/profiles/records.profile.ts
@@ -3,7 +3,7 @@ import { Contract } from '../objects/contract.object.js';
 import { Party } from '../objects/party.object.js';
 import { Signature } from '../objects/signature.object.js';
 import { EXECUTION_STATUSES } from '../sharing/_lifecycle.js';
-import { editableOnly, hidden, inList } from './_grants.js';
+import { editableOnly, hidden, inList, onRowsWhere } from './_grants.js';
 
 /**
  * `clm_records` — the records manager (DESIGN.md §04, global-first revision:
@@ -21,7 +21,9 @@ import { editableOnly, hidden, inList } from './_grants.js';
  *  - `archive_no` — the archive reference F14 stamps `archived_at` from.
  *
  * Everything else on the contract, including the stamps §04 locks for every
- * position, is readable and locked (`editableOnly`). On `clm_signature`,
+ * position, is readable and locked (`editableOnly`) on the rows of that edit
+ * window — a row condition (`onRowsWhere`), so the lock does not land on the
+ * draft a records manager launches (#127). On `clm_signature`,
  * "RU（执行形式、执行副本）": the formalities, the executed copy, the completion
  * date a wet-ink round records, and the round's status so the round can be
  * completed at all (F7's wet-ink path names this position). On `clm_party`
@@ -46,7 +48,11 @@ export const RecordsSet = definePermissionSet({
     clm_approval_rule:    { allowCreate: false, allowRead: true, allowEdit: false, allowDelete: false },
   },
   fields: {
-    ...editableOnly(Contract, ['status', 'archive_no']),
+    // From `signing` onward only — the rows records edits as records (#127,
+    // ruling A). Before that the entries are absent, so on the draft a records
+    // manager launches as a requester, `clm_requester` alone decides, stamps
+    // and assessed fields included.
+    ...onRowsWhere(editableOnly(Contract, ['status', 'archive_no']), inList('status', EXECUTION_STATUSES)),
     ...editableOnly(Signature, ['status', 'formalities_done', 'executed_file', 'completed_at']),
     ...hidden(Party, ['bank_account', 'contact_phone']),
   },