{
  "process_id": "LM-12",
  "policy_version": "synthetic-v1",
  "description": "Condition collection, follow-up and resubmission review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "borrower_match_verified",
      "value": true
    },
    {
      "kind": "equals",
      "field": "required_period_covered",
      "value": true
    },
    {
      "kind": "equals",
      "field": "evidence_current",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "condition_version",
      "right": "evidence_condition_version"
    },
    {
      "kind": "equals",
      "field": "clearance_status",
      "value": "pending_authorized_review"
    }
  ],
  "records": [
    {
      "id": "LM-12-clean",
      "fields": {
        "loan_id": "L-212",
        "condition_version": "C2",
        "evidence_condition_version": "C2",
        "borrower_match_verified": true,
        "required_period_covered": true,
        "evidence_current": true,
        "clearance_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-12-hold",
      "fields": {
        "loan_id": "L-212",
        "condition_version": "C2",
        "evidence_condition_version": "C2",
        "borrower_match_verified": true,
        "required_period_covered": false,
        "evidence_current": true,
        "clearance_status": "pending_authorized_review"
      },
      "expected_status": "hold",
      "expected_reason": "The supplied statement covers the wrong period. Keep the condition open and request the exact missing period."
    },
    {
      "id": "LM-12-clean",
      "fields": {
        "loan_id": "L-212",
        "condition_version": "C2",
        "evidence_condition_version": "C2",
        "borrower_match_verified": true,
        "required_period_covered": true,
        "evidence_current": true,
        "clearance_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-12-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "condition_version": "string",
    "evidence_condition_version": "string",
    "borrower_match_verified": "boolean",
    "required_period_covered": "boolean",
    "evidence_current": "boolean",
    "clearance_status": "string"
  }
}