{
  "elicitation_record_id": "PER-390f6b14",
  "record_version": 1,
  "artifact_type": "Annual Escrow Analysis Statement",
  "client_id": "demo-escrow",
  "product_name": "Annual Mortgage Escrow Analysis",
  "sub_mode": "wizard-led",
  "onboarded_at": "2026-07-09T22:19:29+00:00",
  "source_brd": null,
  "facts": [],
  "l1_candidates": {
    "mandatory_static": [],
    "forbidden": [],
    "jurisdictional_variants": []
  },
  "l2_zone_candidates": [],
  "l4_eligibility_matrix": [],
  "driver_file_schema": [],
  "channel_preferences": [],
  "voice_guardrails": [],
  "special_cycles": [],
  "free_form_proposals": [],
  "validation": {
    "rules": [
      {
        "rule": "V-04",
        "severity": "hard",
        "passed": false,
        "detail": "missing required goals: ['G-01', 'G-02', 'G-03', 'G-04', 'G-05', 'G-06', 'G-07', 'G-08', 'G-09', 'G-10', 'G-11', 'G-12', 'G-13', 'G-14', 'G-15', 'G-16', 'G-17', 'G-18', 'G-19', 'G-20']"
      },
      {
        "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": false
  }
}