040 forms.c: matmul's inner loop in the forms the tier may make it (index 20.7 ms, pointer with multiply-add 13.1, apart 10.0, with checks 10.2, a bit tested before each load 13.4): the position's multiply and the pre-load branch cost, the checks hardly; 023 section 5 says so and what comes first (pointer induction, then a full list's copy)

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diff --git a/research/experiments/040-against-c/2026-10-05-forms.jsonl b/research/experiments/040-against-c/2026-10-05-forms.jsonl
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+{"index":20.69,"plain":20.11,"pointer":13.12,"apart":10.02,"checks":10.24,"bits":13.37,"c":3.76,"same":true}