{
  "process_id": "CM-05",
  "policy_version": "synthetic-v1",
  "event_id": "cm-05-example-v1",
  "input": {
    "cutoff": "2026-11-09T14:00:00Z",
    "model_version": "synthetic-funding-v1",
    "loans": [
      {
        "loan_id": "S1",
        "available_at": "2026-11-09T13:00:00Z",
        "status": "locked",
        "balance_cents": 30000000,
        "probability_bps": 8000,
        "expected_funding_date": "2026-11-12"
      },
      {
        "loan_id": "S2",
        "available_at": "2026-11-09T13:00:00Z",
        "status": "locked",
        "balance_cents": 20000000,
        "probability_bps": 6500,
        "expected_funding_date": "2026-11-13"
      }
    ]
  },
  "expected": {
    "status": "ready_for_review",
    "expected_principal_cents": 37000000,
    "by_date_cents": {
      "2026-11-12": 24000000,
      "2026-11-13": 13000000
    },
    "excluded_loan_ids": [],
    "errors": []
  },
  "changes": [
    {
      "name": "Cancellation removes amount",
      "path": [
        "loans",
        1,
        "status"
      ],
      "value": "cancelled",
      "expected": {
        "status": "ready_for_review",
        "expected_principal_cents": 24000000,
        "by_date_cents": {
          "2026-11-12": 24000000
        },
        "excluded_loan_ids": [
          "S2"
        ],
        "errors": []
      }
    },
    {
      "name": "Date move changes bucket only",
      "path": [
        "loans",
        1,
        "expected_funding_date"
      ],
      "value": "2026-11-14",
      "expected": {
        "status": "ready_for_review",
        "expected_principal_cents": 37000000,
        "by_date_cents": {
          "2026-11-12": 24000000,
          "2026-11-14": 13000000
        },
        "excluded_loan_ids": [],
        "errors": []
      }
    },
    {
      "name": "Future information fails",
      "path": [
        "loans",
        1,
        "available_at"
      ],
      "value": "2026-11-09T15:00:00Z",
      "expected": {
        "status": "hold",
        "expected_principal_cents": 24000000,
        "by_date_cents": {
          "2026-11-12": 24000000
        },
        "excluded_loan_ids": [],
        "errors": [
          "future_information:S2"
        ]
      }
    },
    {
      "name": "Identical loan replay",
      "append_path": [
        "loans"
      ],
      "append_value": {
        "loan_id": "S1",
        "available_at": "2026-11-09T13:00:00Z",
        "status": "locked",
        "balance_cents": 30000000,
        "probability_bps": 8000,
        "expected_funding_date": "2026-11-12"
      },
      "expected": {
        "status": "ready_for_review",
        "expected_principal_cents": 37000000,
        "by_date_cents": {
          "2026-11-12": 24000000,
          "2026-11-13": 13000000
        },
        "excluded_loan_ids": [],
        "errors": []
      }
    },
    {
      "name": "Impossible funding date",
      "path": [
        "loans",
        0,
        "expected_funding_date"
      ],
      "value": "2026-02-30",
      "expected": {
        "status": "hold",
        "errors": [
          "invalid_input:loan.expected_funding_date:invalid_date"
        ]
      }
    },
    {
      "name": "Missing probability remains unknown",
      "remove_path": [
        "loans",
        0,
        "probability_bps"
      ],
      "expected": {
        "status": "hold",
        "errors": [
          "missing_field:probability_bps"
        ]
      }
    },
    {
      "name": "A future-known cancellation cannot alter historical eligibility",
      "replace_input": {
        "cutoff": "2026-11-09T14:00:00Z",
        "model_version": "synthetic-funding-v1",
        "loans": [
          {
            "loan_id": "S1",
            "available_at": "2026-11-09T13:00:00Z",
            "status": "locked",
            "balance_cents": 30000000,
            "probability_bps": 8000,
            "expected_funding_date": "2026-11-12"
          },
          {
            "loan_id": "S2",
            "available_at": "2026-11-09T15:00:00Z",
            "status": "cancelled",
            "balance_cents": 20000000,
            "probability_bps": 6500,
            "expected_funding_date": "2026-11-13"
          }
        ]
      },
      "expected": {
        "status": "hold",
        "expected_principal_cents": 24000000,
        "by_date_cents": {
          "2026-11-12": 24000000
        },
        "excluded_loan_ids": [],
        "errors": [
          "future_information:S2"
        ]
      }
    }
  ]
}