{
  "process_id": "LM-03",
  "policy_version": "synthetic-v1",
  "description": "Borrower document collection review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "borrower_match_verified",
      "value": true
    },
    {
      "kind": "equals",
      "field": "required_periods_accepted",
      "value": true
    },
    {
      "kind": "equals",
      "field": "open_required_gaps",
      "value": false
    }
  ],
  "records": [
    {
      "id": "lm-03-sample-a",
      "fields": {
        "borrower_match_verified": true,
        "required_periods_accepted": true,
        "open_required_gaps": false
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "lm-03-sample-a",
      "fields": {
        "borrower_match_verified": true,
        "required_periods_accepted": true,
        "open_required_gaps": false
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "lm-03-sample-b",
      "fields": {
        "borrower_match_verified": true,
        "required_periods_accepted": false,
        "open_required_gaps": false
      },
      "expected_status": "hold"
    }
  ],
  "field_schema": {
    "borrower_match_verified": "boolean",
    "required_periods_accepted": "boolean",
    "open_required_gaps": "boolean"
  }
}