Complete
Product elicitation record assembled

The confirmed facts are mapped to L1, L2, and L4 candidate dimensions and assembled into the product elicitation record. This is the artifact that flows to the skeleton and zone generation step that follows.
Record summary
Record idPER-694f5744
Artifact typeExplanation of Benefits (EOB)
Confirmed facts20
L1 mandatory candidates2
L1 forbidden candidates2
L2 zone candidates2
L4 matrix rows1
Validationcomplete (no hard violations)
Validation rules
Rule	Severity	Result	Detail
V-04	hard	PASS	all required goals recorded
V-05/V-06	hard	PASS	compliance-gated facts confirmed by compliance officer
V-02	hard	PASS	every confirmed fact carries a stakeholder-confirmation event
V-03	hard	PASS	all input tokenized at intake; no literal PII stored
V-17	hard	PASS	special cycles are first-class with a cadence; regulated ones compliance-confirmed
V-18	hard	PASS	free-form proposals are tokenized, interpreted, and confirmed through the governed path
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Finish
This record belongs to the onboarding run for Member Explanation of Benefits. The simulate-then-promote finish lives on the product detail page: simulate a real output sample, then promote the product to the Console.
Go to product detail to simulate and promote
Show full record JSON
{
  "elicitation_record_id": "PER-694f5744",
  "record_version": 1,
  "artifact_type": "Explanation of Benefits (EOB)",
  "client_id": "demo-eob",
  "product_name": "Member Explanation of Benefits",
  "sub_mode": "wizard-led",
  "onboarded_at": "2026-07-09T18:59:20+00:00",
  "source_brd": null,
  "facts": [
    {
      "fact_id": "F-b6a278cb",
      "goal_id": "G-01",
      "dimension": "Product identity",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough.",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "product-owner",
      "confidence_score": 0.96,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-b353895e",
      "goal_id": "G-02",
      "dimension": "Customer segments",
      "value": [
        "Retail consumers",
        "Small business"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "product-owner",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-b0a17c85",
      "goal_id": "G-03",
      "dimension": "Regulatory frame",
      "value": [
        "United States (federal)",
        "California (state variant)"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "compliance-officer",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-fd4dfeaa",
      "goal_id": "G-04",
      "dimension": "Regulatory frame",
      "value": [
        "Reg-Z (Truth in Lending)",
        "Reg-E (Electronic Fund Transfers)"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "compliance-officer",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-b27cc546",
      "goal_id": "G-05",
      "dimension": "L1 mandatory-static candidates",
      "value": [
        "FDIC membership disclosure",
        "Error-resolution and contact disclosure"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "compliance-officer",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-4973b158",
      "goal_id": "G-06",
      "dimension": "L1 forbidden candidates",
      "value": [
        "Investment-product solicitation",
        "Unapproved rate or yield claims"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "compliance-officer",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-58c04027",
      "goal_id": "G-07",
      "dimension": "L1 jurisdictional-variant candidates",
      "value": [
        "California extended rights block",
        "New York language-access block"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "compliance-officer",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-cf7be5b3",
      "goal_id": "G-08",
      "dimension": "L1 and L2 conditional logic",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough.",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "product-owner",
      "confidence_score": 0.96,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-afdd2e80",
      "goal_id": "G-09",
      "dimension": "L2 zone candidates",
      "value": [
        "Greeting zone",
        "Account-summary zone"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-cc299d9d",
      "goal_id": "G-10",
      "dimension": "L2 guardrail: tone",
      "value": "Formal and institutional",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-6dd0925e",
      "goal_id": "G-11",
      "dimension": "L2 guardrail: length",
      "value": "60 words maximum",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.98,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-05e93c5f",
      "goal_id": "G-12",
      "dimension": "L2 guardrail: content constraints",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough.",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.96,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-f6b4a7ac",
      "goal_id": "G-13",
      "dimension": "Elicited driver-file schema",
      "value": "yes",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "engineering-lead",
      "confidence_score": 0.97,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-000707d9",
      "goal_id": "G-14",
      "dimension": "Feed field bindings",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough.",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "engineering-lead",
      "confidence_score": 0.96,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-9df9bee7",
      "goal_id": "G-15",
      "dimension": "Channel preferences",
      "value": [
        "Print and mail",
        "Email"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-33aa643d",
      "goal_id": "G-16",
      "dimension": "Channel preferences: PDF profile",
      "value": "Standard PDF",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "design-lead",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-d4ab7dcf",
      "goal_id": "G-17",
      "dimension": "Channel preferences: JSON bindings",
      "value": "yes",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "engineering-lead",
      "confidence_score": 0.97,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-897c5dd9",
      "goal_id": "G-18",
      "dimension": "L4 Content Eligibility Matrix candidate",
      "value": "Permitted",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "product-owner",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-41e23abc",
      "goal_id": "G-19",
      "dimension": "Voice guardrails",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough.",
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "brand-lead",
      "confidence_score": 0.96,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    },
    {
      "fact_id": "F-93cd6d8f",
      "goal_id": "G-20",
      "dimension": "L2 guardrail: entity controls",
      "value": [
        "Approved: brand name and legal entity",
        "Approved: FDIC and regulator references"
      ],
      "source_tag": "elicited:wizard",
      "authoring_stakeholder_role": "brand-lead",
      "confidence_score": 0.99,
      "status": "confirmed",
      "confirmed_at": "2026-07-04T02:41:21+00:00"
    }
  ],
  "l1_candidates": {
    "mandatory_static": [
      "FDIC membership disclosure",
      "Error-resolution and contact disclosure"
    ],
    "forbidden": [
      "Investment-product solicitation",
      "Unapproved rate or yield claims"
    ],
    "jurisdictional_variants": [
      "California extended rights block",
      "New York language-access block"
    ]
  },
  "l2_zone_candidates": [
    {
      "zone": "Greeting zone",
      "source_tag": "elicited:wizard"
    },
    {
      "zone": "Account-summary zone",
      "source_tag": "elicited:wizard"
    }
  ],
  "l4_eligibility_matrix": [
    {
      "content_category": "optional-content",
      "posture": "Permitted",
      "confirmed_by": "product-owner"
    }
  ],
  "driver_file_schema": [
    {
      "goal_id": "G-13",
      "value": "yes"
    },
    {
      "goal_id": "G-14",
      "value": "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough."
    }
  ],
  "channel_preferences": [
    {
      "goal_id": "G-15",
      "value": [
        "Print and mail",
        "Email"
      ]
    },
    {
      "goal_id": "G-16",
      "value": "Standard PDF"
    },
    {
      "goal_id": "G-17",
      "value": "yes"
    }
  ],
  "voice_guardrails": [
    "The confirmed approach is a full plain-language answer that is deliberately well past the length needed to clear the confidence floor for this free-text goal, so the classifier records it as a substantive elicited fact for this development walkthrough."
  ],
  "special_cycles": [],
  "free_form_proposals": [],
  "validation": {
    "rules": [
      {
        "rule": "V-04",
        "severity": "hard",
        "passed": true,
        "detail": "all required goals recorded"
      },
      {
        "rule": "V-05/V-06",
        "severity": "hard",
        "passed": true,
        "detail": "compliance-gated facts confirmed by compliance officer"
      },
      {
        "rule": "V-02",
        "severity": "hard",
        "passed": true,
        "detail": "every confirmed fact carries a stakeholder-confirmation event"
      },
      {
        "rule": "V-03",
        "severity": "hard",
        "passed": true,
        "detail": "all input tokenized at intake; no literal PII stored"
      },
      {
        "rule": "V-17",
        "severity": "hard",
        "passed": true,
        "detail": "special cycles are first-class with a cadence; regulated ones compliance-confirmed"
      },
      {
        "rule": "V-18",
        "severity": "hard",
        "passed": true,
        "detail": "free-form proposals are tokenized, interpreted, and confirmed through the governed path"
      }
    ],
    "complete": true
  }
}