{
  "process_id": "LM-14",
  "policy_version": "synthetic-v1",
  "description": "Final readiness checks and refreshed evidence review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "all_conditions_resolved",
      "value": true
    },
    {
      "kind": "equals",
      "field": "all_evidence_valid_at_planned_date",
      "value": true
    },
    {
      "kind": "equals",
      "field": "material_change_review_complete",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "readiness_input_version",
      "right": "current_input_version"
    },
    {
      "kind": "equals",
      "field": "readiness_status",
      "value": "pending_authorized_review"
    }
  ],
  "records": [
    {
      "id": "LM-14-clean",
      "fields": {
        "loan_id": "L-214",
        "readiness_input_version": "H2",
        "current_input_version": "H2",
        "all_conditions_resolved": true,
        "all_evidence_valid_at_planned_date": true,
        "material_change_review_complete": true,
        "readiness_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-14-hold",
      "fields": {
        "loan_id": "L-214",
        "readiness_input_version": "H2",
        "current_input_version": "H2",
        "all_conditions_resolved": true,
        "all_evidence_valid_at_planned_date": false,
        "material_change_review_complete": true,
        "readiness_status": "pending_authorized_review"
      },
      "expected_status": "hold",
      "expected_reason": "A planned date moved beyond the configured evidence validity. Hold and request the permitted refresh or review."
    },
    {
      "id": "LM-14-clean",
      "fields": {
        "loan_id": "L-214",
        "readiness_input_version": "H2",
        "current_input_version": "H2",
        "all_conditions_resolved": true,
        "all_evidence_valid_at_planned_date": true,
        "material_change_review_complete": true,
        "readiness_status": "pending_authorized_review"
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-14-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "readiness_input_version": "string",
    "current_input_version": "string",
    "all_conditions_resolved": "boolean",
    "all_evidence_valid_at_planned_date": "boolean",
    "material_change_review_complete": "boolean",
    "readiness_status": "string"
  }
}