{
  "process_id": "CM-09",
  "policy_version": "synthetic-v1",
  "event_id": "cm-09-example-v1",
  "input": {
    "rules": [
      {
        "id": "R1",
        "investor": "A",
        "product": "fixed",
        "from": "2026-11-01",
        "to": "2026-11-10",
        "published": "2026-10-25",
        "approved": "2026-10-26",
        "max_ltv_bps": 8000
      },
      {
        "id": "R2",
        "investor": "A",
        "product": "fixed",
        "from": "2026-11-10",
        "to": null,
        "published": "2026-11-08",
        "approved": "2026-11-08",
        "max_ltv_bps": 7500
      }
    ],
    "cases": [
      {
        "loan_id": "L1",
        "investor": "A",
        "product": "fixed",
        "decision_date": "2026-11-09",
        "as_of": "2026-11-09",
        "ltv_bps": 7800
      },
      {
        "loan_id": "L2",
        "investor": "A",
        "product": "fixed",
        "decision_date": "2026-11-11",
        "as_of": "2026-11-11",
        "ltv_bps": 7800
      },
      {
        "loan_id": "L3",
        "investor": "B",
        "product": "fixed",
        "decision_date": "2026-11-09",
        "as_of": "2026-11-09",
        "ltv_bps": 7800
      }
    ]
  },
  "expected": {
    "cases": [
      {
        "loan_id": "L1",
        "rule_id": "R1",
        "result": "eligible"
      },
      {
        "loan_id": "L2",
        "rule_id": "R2",
        "result": "ineligible"
      },
      {
        "loan_id": "L3",
        "rule_id": null,
        "result": "unknown"
      }
    ]
  },
  "changes": [
    {
      "name": "Late publication excludes the future rule",
      "path": [
        "rules",
        1,
        "published"
      ],
      "value": "2026-11-12",
      "expected": {
        "cases": [
          {
            "loan_id": "L1",
            "rule_id": "R1",
            "result": "eligible"
          },
          {
            "loan_id": "L2",
            "rule_id": null,
            "result": "unknown"
          },
          {
            "loan_id": "L3",
            "rule_id": null,
            "result": "unknown"
          }
        ]
      }
    },
    {
      "name": "Blank identifiers cannot produce an accepted result",
      "path": [
        "cases",
        0,
        "loan_id"
      ],
      "value": "   ",
      "expected": {
        "status": "hold",
        "reason": "invalid_input",
        "external_actions": 0
      }
    },
    {
      "name": "A boolean is not a financial amount or revision",
      "path": [
        "cases",
        0,
        "ltv_bps"
      ],
      "value": true,
      "expected": {
        "status": "hold",
        "reason": "invalid_input",
        "external_actions": 0
      }
    },
    {
      "name": "Negative LTV is invalid evidence rather than favorable eligibility",
      "replace_input": {
        "rules": [
          {
            "id": "R1",
            "investor": "A",
            "product": "fixed",
            "from": "2026-11-01",
            "to": "2026-11-10",
            "published": "2026-10-25",
            "approved": "2026-10-26",
            "max_ltv_bps": 8000
          },
          {
            "id": "R2",
            "investor": "A",
            "product": "fixed",
            "from": "2026-11-10",
            "to": null,
            "published": "2026-11-08",
            "approved": "2026-11-08",
            "max_ltv_bps": 7500
          }
        ],
        "cases": [
          {
            "loan_id": "L1",
            "investor": "A",
            "product": "fixed",
            "decision_date": "2026-11-09",
            "as_of": "2026-11-09",
            "ltv_bps": -1
          },
          {
            "loan_id": "L2",
            "investor": "A",
            "product": "fixed",
            "decision_date": "2026-11-11",
            "as_of": "2026-11-11",
            "ltv_bps": 7800
          },
          {
            "loan_id": "L3",
            "investor": "B",
            "product": "fixed",
            "decision_date": "2026-11-09",
            "as_of": "2026-11-09",
            "ltv_bps": 7800
          }
        ]
      },
      "expected": {
        "status": "hold",
        "reason": "invalid_input",
        "external_actions": 0
      }
    }
  ]
}