- auto_npl.py: parse BOT Gross NPLs by business (reportID=794); extract auto loan NPL (20,602 mn THB, 3.95% of NPLs, 2.06% of loans) - /api/v1/themes now exposes auto_npl_pct + auto_npl_amount alongside car-sales volume - 3 new tests; full suite 188 OK; live verified (themes shows auto_npl_pct 3.95)