{
  "process_id": "LM-11",
  "policy_version": "synthetic-v1",
  "description": "Underwriting review and decision review preparation only. No live system actions.",
  "rules": [
    {
      "kind": "equals",
      "field": "required_facts_supported",
      "value": true
    },
    {
      "kind": "equals",
      "field": "policy_effective_for_case",
      "value": true
    },
    {
      "kind": "equals",
      "field": "independent_checks_passed",
      "value": true
    },
    {
      "kind": "equal_fields",
      "left": "case_version",
      "right": "calculation_case_version"
    },
    {
      "kind": "equals",
      "field": "unresolved_conflicts",
      "value": 0
    },
    {
      "kind": "equals",
      "field": "authority_path",
      "value": "qualified_human"
    },
    {
      "kind": "equals",
      "field": "decision_status",
      "value": "pending_qualified_review"
    }
  ],
  "records": [
    {
      "id": "LM-11-clean",
      "fields": {
        "loan_id": "L-211",
        "case_version": "UW2",
        "calculation_case_version": "UW2",
        "authority_path": "qualified_human",
        "required_facts_supported": true,
        "policy_effective_for_case": true,
        "independent_checks_passed": true,
        "unresolved_conflicts": 0,
        "decision_status": "pending_qualified_review"
      },
      "expected_status": "ready_for_review"
    },
    {
      "id": "LM-11-hold",
      "fields": {
        "loan_id": "L-211",
        "case_version": "UW2",
        "calculation_case_version": "UW2",
        "authority_path": "qualified_human",
        "required_facts_supported": true,
        "policy_effective_for_case": true,
        "independent_checks_passed": true,
        "unresolved_conflicts": 1,
        "decision_status": "pending_qualified_review"
      },
      "expected_status": "hold",
      "expected_reason": "An evidence conflict remains unresolved. Hold packet readiness, name the disputed fact and request substantive reviewer clarification."
    },
    {
      "id": "LM-11-clean",
      "fields": {
        "loan_id": "L-211",
        "case_version": "UW2",
        "calculation_case_version": "UW2",
        "authority_path": "qualified_human",
        "required_facts_supported": true,
        "policy_effective_for_case": true,
        "independent_checks_passed": true,
        "unresolved_conflicts": 0,
        "decision_status": "pending_qualified_review"
      },
      "expected_status": "ready_for_review",
      "replay_of": "LM-11-clean",
      "expected_effect": "Reuse the original result. One record, zero new downstream actions."
    }
  ],
  "field_schema": {
    "loan_id": "string",
    "case_version": "string",
    "calculation_case_version": "string",
    "authority_path": "string",
    "required_facts_supported": "boolean",
    "policy_effective_for_case": "boolean",
    "independent_checks_passed": "boolean",
    "unresolved_conflicts": "integer",
    "decision_status": "string"
  }
}