{
  "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": "2026-07-09T18:57:41+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
  }
}