{
  "id": "rp_synthetic",
  "borrower_id": "bor_synthetic",
  "origination_id": "orgn_synthetic",
  "monitoring_run_id": null,
  "product": "insights",
  "created_at": "2026-11-06T12:00:00Z",
  "as_of": "2026-11-06T12:00:00Z",
  "previous_package_id": null,
  "application": {
    "institution_reference": "LOS-2026-0042",
    "requested_amount": {
      "amount": "50000.00",
      "currency": "CAD"
    },
    "requested_term_months": 12,
    "purpose": "Working capital",
    "application_schema_id": "app_schema_synthetic",
    "declared_data": {
      "annual_revenue": "600000.00"
    }
  },
  "lending_product": {
    "id": "lpv_synthetic",
    "created_at": "2026-11-06T12:00:00Z",
    "definition": {
      "external_id": "working-capital",
      "version": "1",
      "name": "Working capital loan",
      "borrower_type": "business",
      "market": "CA",
      "currency": "CAD",
      "product_type": "term_loan",
      "minimum_amount": {
        "amount": "10000.00",
        "currency": "CAD"
      },
      "maximum_amount": {
        "amount": "100000.00",
        "currency": "CAD"
      },
      "minimum_term_months": 6,
      "maximum_term_months": 24,
      "repayment_frequency": "monthly",
      "pricing_schema_id": "pricing_synthetic",
      "pricing": {
        "rate_type": "fixed",
        "annual_interest_rate": "0.12",
        "amortization_months": 12,
        "fees": []
      },
      "terms_document_ids": []
    },
    "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
  },
  "risk_policy": {
    "id": "rpv_synthetic",
    "created_at": "2026-11-06T12:00:00Z",
    "definition": {
      "external_id": "working-capital-policy",
      "version": "1",
      "name": "Illustrative policy, not a recommended threshold",
      "borrower_type": "business",
      "market": "CA",
      "rules": [
        {
          "id": "dscr-minimum",
          "dimension_key": "dscr",
          "operator": "gte",
          "threshold": "1.25",
          "unit": "ratio",
          "on_missing": "review",
          "on_fail": "review"
        }
      ],
      "policy_document_ids": []
    },
    "sha256": "0000000000000000000000000000000000000000000000000000000000000000"
  },
  "assessment": {
    "recommendation": "review_required",
    "is_institution_decision": false,
    "summary": "Repayment capacity requires review because the debt schedule is incomplete.",
    "reasons": [
      "Required repayment evidence is missing."
    ]
  },
  "dimensions": [
    {
      "key": "repayment_capacity",
      "status": "unavailable",
      "summary": "DSCR is not calculated without complete eligible debt-service inputs.",
      "metrics": [
        {
          "key": "dscr",
          "label": "Cash-flow debt-service coverage",
          "status": "unavailable",
          "value": null,
          "unit": "ratio",
          "window": {
            "start": "2025-11-01T00:00:00Z",
            "end": "2026-11-01T00:00:00Z"
          },
          "calculation_version": "cashflow-dscr-synthetic-v1",
          "missing_reason": "Complete existing and proposed debt-service schedule is unavailable.",
          "evidence_ids": [
            "ev_bank_synthetic"
          ]
        }
      ],
      "evidence_ids": [
        "ev_bank_synthetic"
      ]
    }
  ],
  "policy_results": [
    {
      "rule_id": "dscr-minimum",
      "result": "unavailable",
      "actual": null,
      "threshold": "1.25",
      "unit": "ratio",
      "explanation": "The rule cannot be evaluated without a supported DSCR.",
      "evidence_ids": [
        "ev_bank_synthetic"
      ]
    }
  ],
  "sources": [
    {
      "connection_id": "con_synthetic",
      "integration_id": "bank_synthetic",
      "source_as_of": "2026-11-01T00:00:00Z",
      "retrieved_at": "2026-11-06T12:00:00Z",
      "window": {
        "start": "2025-11-01T00:00:00Z",
        "end": "2026-11-01T00:00:00Z"
      },
      "status": "partial",
      "limitations": [
        "Bank records alone do not establish a complete debt schedule."
      ]
    }
  ],
  "limitations": [
    "All values, IDs and hashes in this example are synthetic. The threshold is illustrative, not an industry recommendation."
  ],
  "evidence_set": {
    "id": "es_synthetic",
    "sha256": "0000000000000000000000000000000000000000000000000000000000000000",
    "count": 1
  },
  "versions": {
    "schema": "2.0.0-design.1",
    "normalization": "synthetic-v1",
    "calculation": "synthetic-v1",
    "model": null
  },
  "billing_usage_id": "usage_synthetic"
}