{
  "process_id": "LM-15",
  "policy_version": "synthetic-v1",
  "description": "Closing Disclosure, fee balancing and document preparation review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "template_current",
      "value": true
    },
    {
      "kind": "equals",
      "field": "recipient_set_verified",
      "value": true
    },
    {
      "kind": "equals",
      "field": "configured_timing_checks_passed",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "package_input_version",
      "right": "approved_input_version"
    },
    {
      "kind": "equal_fields",
      "left": "lender_fee_cents",
      "right": "settlement_fee_cents"
    },
    {
      "kind": "equals",
      "field": "release_status",
      "value": "pending_authorized_review"
    }
  ],
  "records": [
    {
      "id": "LM-15-clean",
      "fields": {
        "loan_id": "L-215",
        "package_input_version": "C2",
        "approved_input_version": "C2",
        "lender_fee_cents": 20000,
        "settlement_fee_cents": 20000,
        "template_current": true,
        "recipient_set_verified": true,
        "configured_timing_checks_passed": true,
        "release_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-15-hold",
      "fields": {
        "loan_id": "L-215",
        "package_input_version": "C2",
        "approved_input_version": "C2",
        "lender_fee_cents": 20000,
        "settlement_fee_cents": 21000,
        "template_current": true,
        "recipient_set_verified": true,
        "configured_timing_checks_passed": true,
        "release_status": "pending_authorized_review"
      },
      "expected_status": "hold",
      "expected_reason": "Settlement differs by 1,000 cents. Hold the draft release proposal and retain the line-item discrepancy for the closer."
    },
    {
      "id": "LM-15-clean",
      "fields": {
        "loan_id": "L-215",
        "package_input_version": "C2",
        "approved_input_version": "C2",
        "lender_fee_cents": 20000,
        "settlement_fee_cents": 20000,
        "template_current": true,
        "recipient_set_verified": true,
        "configured_timing_checks_passed": true,
        "release_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-15-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "package_input_version": "string",
    "approved_input_version": "string",
    "lender_fee_cents": "integer",
    "settlement_fee_cents": "integer",
    "template_current": "boolean",
    "recipient_set_verified": "boolean",
    "configured_timing_checks_passed": "boolean",
    "release_status": "string"
  }
}