{
  "process_id": "LM-10",
  "policy_version": "synthetic-v1",
  "description": "Automated underwriting submission and findings preparation review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "authorized_engine_path",
      "value": true
    },
    {
      "kind": "equals",
      "field": "required_fields_verified",
      "value": true
    },
    {
      "kind": "equals",
      "field": "receipt_confirmed",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "input_version",
      "right": "findings_input_version"
    },
    {
      "kind": "equal_fields",
      "left": "input_digest",
      "right": "findings_input_digest"
    },
    {
      "kind": "equals",
      "field": "unmapped_findings",
      "value": 0
    }
  ],
  "records": [
    {
      "id": "LM-10-clean",
      "fields": {
        "loan_id": "L-210",
        "input_version": "S2",
        "findings_input_version": "S2",
        "input_digest": "H2",
        "findings_input_digest": "H2",
        "authorized_engine_path": true,
        "required_fields_verified": true,
        "receipt_confirmed": true,
        "unmapped_findings": 0
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-10-hold",
      "fields": {
        "loan_id": "L-210",
        "input_version": "S2",
        "findings_input_version": "S1",
        "input_digest": "H2",
        "findings_input_digest": "H2",
        "authorized_engine_path": true,
        "required_fields_verified": true,
        "receipt_confirmed": true,
        "unmapped_findings": 0
      },
      "expected_status": "hold",
      "expected_reason": "Findings are for the prior input snapshot. Reconcile or resubmit through the authorized operator before presenting the current findings as ready."
    },
    {
      "id": "LM-10-clean",
      "fields": {
        "loan_id": "L-210",
        "input_version": "S2",
        "findings_input_version": "S2",
        "input_digest": "H2",
        "findings_input_digest": "H2",
        "authorized_engine_path": true,
        "required_fields_verified": true,
        "receipt_confirmed": true,
        "unmapped_findings": 0
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-10-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "input_version": "string",
    "findings_input_version": "string",
    "input_digest": "string",
    "findings_input_digest": "string",
    "authorized_engine_path": "boolean",
    "required_fields_verified": "boolean",
    "receipt_confirmed": "boolean",
    "unmapped_findings": "integer"
  }
}