{
  "process_id": "LM-09",
  "policy_version": "synthetic-v1",
  "description": "Title, insurance and settlement readiness review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "all_requirements_evidenced",
      "value": true
    },
    {
      "kind": "equals",
      "field": "insurance_valid_at_planned_date",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "property_id",
      "right": "title_property_id"
    },
    {
      "kind": "equal_fields",
      "left": "property_id",
      "right": "insurance_property_id"
    },
    {
      "kind": "equal_fields",
      "left": "property_id",
      "right": "flood_property_id"
    },
    {
      "kind": "equals",
      "field": "unresolved_title_items",
      "value": 0
    }
  ],
  "records": [
    {
      "id": "LM-09-clean",
      "fields": {
        "loan_id": "L-209",
        "property_id": "P-09",
        "title_property_id": "P-09",
        "insurance_property_id": "P-09",
        "flood_property_id": "P-09",
        "all_requirements_evidenced": true,
        "insurance_valid_at_planned_date": true,
        "unresolved_title_items": 0
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-09-hold",
      "fields": {
        "loan_id": "L-209",
        "property_id": "P-09",
        "title_property_id": "P-09",
        "insurance_property_id": "P-90",
        "flood_property_id": "P-09",
        "all_requirements_evidenced": true,
        "insurance_valid_at_planned_date": true,
        "unresolved_title_items": 0
      },
      "expected_status": "hold",
      "expected_reason": "The binder belongs to a different property. Keep the packet on hold for the title coordinator."
    },
    {
      "id": "LM-09-clean",
      "fields": {
        "loan_id": "L-209",
        "property_id": "P-09",
        "title_property_id": "P-09",
        "insurance_property_id": "P-09",
        "flood_property_id": "P-09",
        "all_requirements_evidenced": true,
        "insurance_valid_at_planned_date": true,
        "unresolved_title_items": 0
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-09-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "property_id": "string",
    "title_property_id": "string",
    "insurance_property_id": "string",
    "flood_property_id": "string",
    "all_requirements_evidenced": "boolean",
    "insurance_valid_at_planned_date": "boolean",
    "unresolved_title_items": "integer"
  }
}