Previous value: -"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). An engine with the receipt-amount rule (unreleased after payday-super-checker 0.1.6) leaves a bare receipt UNKNOWN rather than ON_TIME; 0.1.6 reads it as a full receipt and says so in a caveat."New value: +"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). Checker 0.1.7 leaves a timely receipt without an amount UNKNOWN; a late receipt stays LATE without reducing the shortfall. Earlier checker 0.1.6 assumes full receipt and says so in a caveat."

Previous value: -"Amount associated with this payday, as an AUD decimal string with at most 2 decimal places; cannot exceed sg_amount. Supply partial amounts even without a remittance date. Caps evidenced receipt and takes precedence over remitted_amount. If both amounts are omitted, received means full receipt."New value: +"Amount associated with this payday, as an AUD decimal string with at most 2 decimal places; cannot exceed sg_amount. Supply partial amounts even without a remittance date. Caps evidenced receipt and takes precedence over remitted_amount. If both amounts are omitted, a timely receipt remains UNKNOWN; a late receipt remains LATE without reducing the shortfall."

Previous value: -"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). An engine with the receipt-amount rule (unreleased after payday-super-checker 0.1.6) leaves a bare receipt UNKNOWN rather than ON_TIME; 0.1.6 reads it as a full receipt and says so in a caveat."New value: +"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). Checker 0.1.7 leaves a timely receipt without an amount UNKNOWN; a late receipt stays LATE without reducing the shortfall. Earlier checker 0.1.6 assumes full receipt and says so in a caveat."

Previous value: -"AUD allocated to this row."New value: +"AUD the fund received for this row. Supply it with every received date: a receipt date alone evidences no amount, and an engine with the receipt-amount rule will not assess a full receipt as ON_TIME without it."

Previous value: -"Evidenced fund-receipt date."New value: +"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). An engine with the receipt-amount rule (unreleased after payday-super-checker 0.1.6) leaves a bare receipt UNKNOWN rather than ON_TIME; 0.1.6 reads it as a full receipt and says so in a caveat."

Added value: +40

Added value: +40

Added value: +120

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 40,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +40

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 40,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 40,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Superannuation guarantee contribution amount for this employee and qualifying-earnings payment. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."New value: +"Superannuation guarantee contribution amount for this employee and qualifying-earningspayment."

Added value: +60

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Non-negative AUD decimal string, at most 2dp and 1000000000000.00."New value: +"AUD decimal string."

Previous value: -"Pass true only after establishing every scope condition in aus-accounting://scope calculation_worksheets for this kind. Missing or uncertain scope must be resolved first; false is refused."New value: +"Scope confirmation for this kind; false is refused."

Added value: +120

Added value: +20

Previous value: -"Fabricated gross revenue (CTR) or total sales G1 (BAS); defaults to \"1000000.00\". Other figures use fixed demonstration assumptions. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."New value: +"Fabricated gross revenue (CTR) or total sales G1 (BAS); defaults to \"1000000.00\".Other figures use fixed demonstration assumptions."

Added value: +60

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Payments to associated persons, kept separate from salary/wage buckets to avoid double counting. Needed for labour comparison when w1 is supplied. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Payments to associated persons, kept separate from salary/wage buckets to avoid doublecounting. Needed for labour comparison when w1 is supplied."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Contractor, subcontractor and commission expenses. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Contractor, subcontractor and commission expenses."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Cost of sales excluding salary and wages; put that labour in cost_of_sales_labour. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Cost of sales excluding salary and wages; put that labour in cost_of_sales_labour."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Salary and wages within cost of sales, excluding separately bucketed payments to associated persons. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Salary and wages within cost of sales, excluding separately bucketed payments toassociated persons."

Added value: +120

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Business motor vehicle expenses for the comparison period. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Business motor vehicle expenses for the comparison period."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Other expenses, including superannuation and depreciation; exclude amounts already in another bucket and income tax expense. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Other expenses, including superannuation and depreciation; exclude amounts already inanother bucket and income tax expense."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Non-sales business income, e.g. interest or grants. Required to establish any ratio denominator. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Non-sales business income, e.g. interest or grants. Required to establish any ratiodenominator."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Business rent expenses for the comparison period. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Business rent expenses for the comparison period."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Salary and wages outside cost of sales, excluding separately bucketed payments to associated persons. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Salary and wages outside cost of sales, excluding separately bucketed payments toassociated persons."

Previous value: -"Sales of goods and services, excluding other income. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."New value: +"Sales of goods and services, excluding other income."

Added value: +60

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Activity statement W1 total for the same period; used by the engine when greater than the reconstructed salary and wages label. Supply associated_persons too. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Activity statement W1 total for the same period; used by the engine when greater thanthe reconstructed salary and wages label. Supply associated_persons too."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 7,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +7

Added value: +{
+  "additionalProperties": true,
+  "description": "Which statutory tables a figure was computed from, and their digests.",
+  "properties": {
+    "rate_table_uris": {
+      "description": "Statutory rate tables this answer consumed, each with the digest of what was read. Empty when no rate table was consulted.",
+      "items": {
+        "$ref": "#/$defs/RateTableSource"
+      },
+      "title": "Rate Table Uris",
+      "type": "array"
+    }
+  },
+  "required": [
+    "rate_table_uris"
+  ],
+  "title": "Manifest",
+  "type": "object"
+}

Added value: +{
+  "$ref": "#/$defs/Manifest"
+}

Previous value: -[
-  "ok",
-  "engine",
-  "engine_version",
-  "law_content_date",
-  "law_compilation",
-  "disclaimer",
-  "year_of_income",
-  "verdict",
-  "benchmark_rate",
-  "reason",
-  "provenance",
-  "statutory_trace"
-]New value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "law_content_date",
+  "law_compilation",
+  "disclaimer",
+  "year_of_income",
+  "verdict",
+  "benchmark_rate",
+  "reason",
+  "provenance",
+  "manifest",
+  "statutory_trace"
+]

Added value: +{
+  "additionalProperties": true,
+  "properties": {
+    "sha256": {
+      "description": "SHA-256 of the table text the figure was computed from.",
+      "title": "Sha256",
+      "type": "string"
+    },
+    "uri": {
+      "description": "The rate table the engine read.",
+      "title": "Uri",
+      "type": "string"
+    }
+  },
+  "required": [
+    "uri",
+    "sha256"
+  ],
+  "title": "RateTableSource",
+  "type": "object"
+}

Added value: +{
+  "description": "Statutory rate tables this answer consumed, each with the digest of what was read. Empty when the figure came from the request alone.",
+  "items": {
+    "$ref": "#/$defs/RateTableSource"
+  },
+  "title": "Rate Table Uris",
+  "type": "array"
+}

Previous value: -[
-  "verify_at"
-]New value: +[
+  "verify_at",
+  "rate_table_uris"
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 120,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 7,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -{
-  "anyOf": [
-    {
-      "type": "string"
-    },
-    {
-      "type": "null"
-    }
-  ],
-  "default": null,
-  "description": "Legacy borrower label; ignored. Omit it. This refusal tool does not look up a borrower or calculate a repayment.",
-  "title": "Borrower Name"
-}

Removed value: -{
-  "anyOf": [
-    {
-      "type": "boolean"
-    },
-    {
-      "type": "null"
-    }
-  ],
-  "default": null,
-  "description": "Legacy secured-loan flag; ignored. Omit it. Does not establish eligibility or enable a calculation.",
-  "title": "Is Secured 25 Year"
-}

Removed value: -{
-  "anyOf": [
-    {
-      "type": "string"
-    },
-    {
-      "type": "null"
-    }
-  ],
-  "default": null,
-  "description": "Legacy lender label; ignored. Omit it. No entity record is looked up or written.",
-  "title": "Lender Entity Name"
-}

Removed value: -{
-  "anyOf": [
-    {
-      "type": "string"
-    },
-    {
-      "type": "null"
-    }
-  ],
-  "default": null,
-  "description": "Legacy principal; ignored beyond validation, and this tool always refuses unsupported scope. Omit it rather than inventing a figure. When supplied: AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00.",
-  "title": "Loan Principal"
-}

Removed value: -{
-  "anyOf": [
-    {
-      "type": "integer"
-    },
-    {
-      "type": "null"
-    }
-  ],
-  "default": null,
-  "description": "Legacy financial-year value; ignored. Omit it. Use review_div7a_loan with explicit income years for supported reviews.",
-  "title": "Start Fy"
-}

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Operator-established amalgamated-loan balance at the end of the preceding income year. The tool does not form amalgamated loans. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Operator-established amalgamated-loan balance at the end of the preceding income year.The tool does not form amalgamated loans."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 30,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +120

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 30,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 60,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Amount the operator establishes as applied during the income year. The tool does not classify payments under s 109R; omit if not established. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."New value: +"Amount the operator establishes as applied during the income year. The tool does notclassify payments under s 109R; omit if not established."

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 30,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 30,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "maxLength": 7,
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +7

Added value: +{
+  "description": "Stable token per reason, aligned with `reasons` by position.",
+  "items": {
+    "type": "string"
+  },
+  "title": "Reason Codes",
+  "type": "array"
+}

Previous value: -[
-  "verdict",
-  "loan_id",
-  "benchmark_year_used",
-  "benchmark_rate",
-  "maximum_term_years_allowed",
-  "reasons",
-  "caveats"
-]New value: +[
+  "verdict",
+  "loan_id",
+  "benchmark_year_used",
+  "benchmark_rate",
+  "maximum_term_years_allowed",
+  "reasons",
+  "reason_codes",
+  "caveats"
+]

Added value: +{
+  "description": "Stable token per reason, aligned with `reasons` by position.",
+  "items": {
+    "type": "string"
+  },
+  "title": "Reason Codes",
+  "type": "array"
+}

Previous value: -[
-  "verdict",
-  "loan_id",
-  "year_of_income",
-  "gate_verdict",
-  "benchmark_rate",
-  "amalgamated_loan_unpaid_at_end_of_previous_year",
-  "remaining_term_years_used",
-  "myr_required",
-  "payments_applied",
-  "shortfall",
-  "experimental_deemed_dividend_exposure",
-  "rounding",
-  "reasons",
-  "caveats"
-]New value: +[
+  "verdict",
+  "loan_id",
+  "year_of_income",
+  "gate_verdict",
+  "benchmark_rate",
+  "amalgamated_loan_unpaid_at_end_of_previous_year",
+  "remaining_term_years_used",
+  "myr_required",
+  "payments_applied",
+  "shortfall",
+  "experimental_deemed_dividend_exposure",
+  "rounding",
+  "reasons",
+  "reason_codes",
+  "caveats"
+]

Added value: +{
+  "$ref": "#/$defs/Manifest"
+}

Added value: +{
+  "description": "Stable token per reason, aligned with `reasons` by position.",
+  "items": {
+    "type": "string"
+  },
+  "title": "Reason Codes",
+  "type": "array"
+}

Previous value: -[
-  "verdict",
-  "loan_id",
-  "benchmark_year_used",
-  "benchmark_rate",
-  "maximum_term_years_allowed",
-  "reasons",
-  "caveats",
-  "benchmark_provenance",
-  "limbs",
-  "statutory_trace"
-]New value: +[
+  "verdict",
+  "loan_id",
+  "benchmark_year_used",
+  "benchmark_rate",
+  "maximum_term_years_allowed",
+  "reasons",
+  "reason_codes",
+  "caveats",
+  "benchmark_provenance",
+  "manifest",
+  "limbs",
+  "statutory_trace"
+]

Added value: +{
+  "additionalProperties": true,
+  "description": "Which statutory tables a figure was computed from, and their digests.",
+  "properties": {
+    "rate_table_uris": {
+      "description": "Statutory rate tables this answer consumed, each with the digest of what was read. Empty when no rate table was consulted.",
+      "items": {
+        "$ref": "#/$defs/RateTableSource"
+      },
+      "title": "Rate Table Uris",
+      "type": "array"
+    }
+  },
+  "required": [
+    "rate_table_uris"
+  ],
+  "title": "Manifest",
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": true,
+  "properties": {
+    "sha256": {
+      "description": "SHA-256 of the table text the figure was computed from.",
+      "title": "Sha256",
+      "type": "string"
+    },
+    "uri": {
+      "description": "The rate table the engine read.",
+      "title": "Uri",
+      "type": "string"
+    }
+  },
+  "required": [
+    "uri",
+    "sha256"
+  ],
+  "title": "RateTableSource",
+  "type": "object"
+}

Added value: +{
+  "$ref": "#/$defs/Manifest"
+}

Added value: +{
+  "description": "Stable token per reason, aligned with `reasons` by position.",
+  "items": {
+    "type": "string"
+  },
+  "title": "Reason Codes",
+  "type": "array"
+}

Previous value: -[
-  "verdict",
-  "loan_id",
-  "year_of_income",
-  "gate_verdict",
-  "benchmark_rate",
-  "amalgamated_loan_unpaid_at_end_of_previous_year",
-  "remaining_term_years_used",
-  "myr_required",
-  "payments_applied",
-  "shortfall",
-  "experimental_deemed_dividend_exposure",
-  "rounding",
-  "reasons",
-  "caveats",
-  "benchmark_provenance",
-  "statutory_trace"
-]New value: +[
+  "verdict",
+  "loan_id",
+  "year_of_income",
+  "gate_verdict",
+  "benchmark_rate",
+  "amalgamated_loan_unpaid_at_end_of_previous_year",
+  "remaining_term_years_used",
+  "myr_required",
+  "payments_applied",
+  "shortfall",
+  "experimental_deemed_dividend_exposure",
+  "rounding",
+  "reasons",
+  "reason_codes",
+  "caveats",
+  "benchmark_provenance",
+  "manifest",
+  "statutory_trace"
+]

Added value: +{
+  "description": "Statutory rate tables this answer consumed, each with the digest of what was read. Empty when the figure came from the request alone.",
+  "items": {
+    "$ref": "#/$defs/RateTableSource"
+  },
+  "title": "Rate Table Uris",
+  "type": "array"
+}

Previous value: -[
-  "verify_at"
-]New value: +[
+  "verify_at",
+  "rate_table_uris"
+]

Previous value: -"AUD allocated to this row."New value: +"AUD the fund received for this row. Supply it with every received date: a receipt date alone evidences no amount, and an engine with the receipt-amount rule will not assess a full receipt as ON_TIME without it."

Previous value: -"Evidenced fund-receipt date."New value: +"Evidenced fund-receipt date. Timing only: pair it with matched_amount (or remitted_amount). An engine with the receipt-amount rule (unreleased after payday-super-checker 0.1.6) leaves a bare receipt UNKNOWN rather than ON_TIME; 0.1.6 reads it as a full receipt and says so in a caveat."

Added value: +40

Previous value: -"Continue with next_offset using the same query and unchanged library."New value: +"Continue with next_offset using the same query and unchanged library. A page can omit next_offset while has_more is true at the 10000-result boundary; narrow the query instead."

Added value: +false

Added value: +{
+  "anyOf": [
+    {
+      "type": "string"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "default": null,
+  "description": "Amount associated with this payday, as an AUD decimal string with at most 2 decimal places; cannot exceed sg_amount. Supply partial amounts even without a remittance date. Caps evidenced receipt and takes precedence over remitted_amount. If both amounts are omitted, received means full receipt.",
+  "title": "Matched Amount"
+}

Added value: +{
+  "anyOf": [
+    {
+      "type": "string"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "default": null,
+  "description": "Amount sent for this contribution, as an AUD decimal string with at most 2 decimal places. Requires remitted; cannot exceed sg_amount. Omit or null preserves the engine full-remittance convention when remitted is supplied.",
+  "title": "Remitted Amount"
+}

Added value: +{
+  "anyOf": [
+    {
+      "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+      "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+      "type": "string"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "Amount associated with this payday; null means not supplied.",
+  "title": "Matched Amount"
+}

Added value: +{
+  "anyOf": [
+    {
+      "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+      "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+      "type": "string"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "Explicit remitted amount; null preserves legacy semantics.",
+  "title": "Remitted Amount"
+}

Previous value: -[
-  "employee_id",
-  "qe_day",
-  "sg_amount",
-  "remitted",
-  "received",
-  "due",
-  "pathway",
-  "verdict",
-  "days_late",
-  "lateness_basis",
-  "base_shortfall",
-  "final_shortfall",
-  "notional_earnings",
-  "experimental_sgc_low",
-  "experimental_sgc_high",
-  "uplift",
-  "notes",
-  "caveats",
-  "horizon_verdicts"
-]New value: +[
+  "employee_id",
+  "qe_day",
+  "sg_amount",
+  "remitted_amount",
+  "matched_amount",
+  "remitted",
+  "received",
+  "due",
+  "pathway",
+  "verdict",
+  "days_late",
+  "lateness_basis",
+  "base_shortfall",
+  "final_shortfall",
+  "notional_earnings",
+  "experimental_sgc_low",
+  "experimental_sgc_high",
+  "uplift",
+  "notes",
+  "caveats",
+  "horizon_verdicts"
+]

Added value: +{
+  "const": "single_contribution",
+  "description": "Related contributions and SG entitlement were not reviewed.",
+  "title": "Assessment Scope",
+  "type": "string"
+}

Previous value: -[
-  "ok",
-  "engine",
-  "engine_version",
-  "law_content_date",
-  "as_at",
-  "disclaimer",
-  "result"
-]New value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "law_content_date",
+  "assessment_scope",
+  "as_at",
+  "disclaimer",
+  "result"
+]

Added value: +false

Added value: +false

Added value: +false

Added value: +false

Added value: +false

Added value: +false

Previous value: -"Required assessment date, YYYY-MM-DD. Supply explicitly; the tool does not assume today."New value: +"Required assessment date, YYYY-MM-DD. Supply explicitly; the tool does not assume today. Reads the same date shapes as qe_day."

Previous value: -"Subsequent schedule-consistent non-out-of-cycle QE payment date, YYYY-MM-DD; must be after qe_day when out_of_cycle is true. Not an assumed future payday."New value: +"Subsequent schedule-consistent non-out-of-cycle QE payment date, YYYY-MM-DD; must be after qe_day when out_of_cycle is true. Not an assumed future payday. Reads the same date shapes as qe_day."

Previous value: -"Qualifying-earnings payment date (payday), YYYY-MM-DD. This engine rejects dates before its Payday Super regime."New value: +"Qualifying-earnings payment date (payday). YYYY-MM-DD; a payroll export shape such as 13/07/2027 or \"9 Jul 2027\" is also read, and a numeric date that could be read either way round is refused. This engine rejects dates before its Payday Super regime."

Previous value: -"Actual fund-receipt date, YYYY-MM-DD. Omit or null if unknown; required before the statutory test can return ON_TIME."New value: +"Actual fund-receipt date, YYYY-MM-DD. Omit or null if unknown; required before the statutory test can return ON_TIME. Reads the same date shapes as qe_day; a stamp carrying Z or a UTC offset is refused, so convert it to the Australian calendar date first."

Previous value: -"Date money was sent, YYYY-MM-DD. Optional; does not prove receipt by the fund or establish ON_TIME."New value: +"Date money was sent, YYYY-MM-DD. Optional; does not prove receipt by the fund or establish ON_TIME. Reads the same date shapes as qe_day."

Added value: +{
+  "anyOf": [
+    {
+      "maximum": 100,
+      "minimum": 1,
+      "type": "integer"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "default": null,
+  "description": "Maximum industries returned, 1 to 100; use 20 for concise discovery. Omit or null returns all remaining matches for compatibility.",
+  "title": "Limit"
+}

Added value: +{
+  "default": 0,
+  "description": "Zero-based position in the filtered results; start at 0, then pass next_offset while has_more is true. Keep search and year unchanged.",
+  "minimum": 0,
+  "title": "Offset",
+  "type": "integer"
+}

Previous value: -"Number of industries matching the search."New value: +"Number of industries returned in this page."

Added value: +0

Added value: +{
+  "description": "Whether another page of matching industries exists.",
+  "title": "Has More",
+  "type": "boolean"
+}

Previous value: -"Matching industries; empty if no match."New value: +"This page of matching industries; empty if none remain."

Added value: +{
+  "anyOf": [
+    {
+      "minimum": 0,
+      "type": "integer"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "Pass as offset for the next page; null when no matches remain.",
+  "title": "Next Offset"
+}

Added value: +{
+  "description": "Requested position in the filtered results.",
+  "minimum": 0,
+  "title": "Offset",
+  "type": "integer"
+}

Added value: +{
+  "description": "Matching industries before pagination.",
+  "minimum": 0,
+  "title": "Total Count",
+  "type": "integer"
+}

Previous value: -[
-  "ok",
-  "engine",
-  "engine_version",
-  "benchmark_year",
-  "count",
-  "total_business_types",
-  "industries",
-  "source"
-]New value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "benchmark_year",
+  "count",
+  "total_count",
+  "offset",
+  "has_more",
+  "next_offset",
+  "total_business_types",
+  "industries",
+  "source"
+]

Added value: +[
+  {
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +null

Previous value: -"Legacy borrower label; ignored. This refusal tool does not look up a borrower or calculate a repayment."New value: +"Legacy borrower label; ignored. Omit it. This refusal tool does not look up a borrower or calculate a repayment."

Removed value: -"string"

Added value: +[
+  {
+    "type": "boolean"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -falseNew value: +null

Previous value: -"Legacy secured-loan flag; defaults to false and is ignored. Does not establish eligibility or enable a calculation."New value: +"Legacy secured-loan flag; ignored. Omit it. Does not establish eligibility or enable a calculation."

Removed value: -"boolean"

Added value: +[
+  {
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +null

Previous value: -"Legacy lender label; ignored. No entity record is looked up or written."New value: +"Legacy lender label; ignored. Omit it. No entity record is looked up or written."

Removed value: -"string"

Added value: +[
+  {
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +null

Previous value: -"Legacy principal, validated then discarded; this tool always refuses unsupported scope. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."New value: +"Legacy principal; ignored beyond validation, and this tool always refuses unsupported scope. Omit it rather than inventing a figure. When supplied: AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."

Removed value: -"string"

Added value: +[
+  {
+    "type": "integer"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -2025New value: +null

Previous value: -"Legacy financial-year value; defaults to 2025 and is ignored. Use review_div7a_loan with explicit income years for supported reviews."New value: +"Legacy financial-year value; ignored. Omit it. Use review_div7a_loan with explicit income years for supported reviews."

Removed value: -"integer"

Removed value: -[
-  "borrower_name",
-  "lender_entity_name",
-  "loan_principal"
-]

Previous value: -[
-  {
-    "description": "Income or dataset year in YYYY-YY form.",
-    "pattern": "^[0-9]{4}-[0-9]{2}$",
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "description": "Income or dataset year in YYYY-YY form.",
+    "pattern": "^[0-9]{4}-[0-9]{2}$",
+    "type": "string"
+  },
+  {
+    "const": "",
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Engine benchmark year, YYYY-YY, if known."New value: +"Engine benchmark year, YYYY-YY, or empty/null when unknown."

Previous value: -[
-  {
-    "description": "Income or dataset year in YYYY-YY form.",
-    "pattern": "^[0-9]{4}-[0-9]{2}$",
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "description": "Income or dataset year in YYYY-YY form.",
+    "pattern": "^[0-9]{4}-[0-9]{2}$",
+    "type": "string"
+  },
+  {
+    "const": "",
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"Engine benchmark year, YYYY-YY, if known."New value: +"Engine benchmark year, YYYY-YY, or empty/null when unknown."

Added value: +{
+  "PaydayAssessment": {
+    "additionalProperties": true,
+    "properties": {
+      "base_shortfall": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Base Shortfall"
+      },
+      "caveats": {
+        "description": "Limitations to retain when presenting the result.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Caveats",
+        "type": "array"
+      },
+      "days_late": {
+        "anyOf": [
+          {
+            "type": "integer"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine days late, or null when not established.",
+        "title": "Days Late"
+      },
+      "due": {
+        "anyOf": [
+          {
+            "description": "Date in YYYY-MM-DD form.",
+            "format": "date",
+            "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine deadline, YYYY-MM-DD, or null when not applicable.",
+        "title": "Due"
+      },
+      "employee_id": {
+        "description": "Operator reference echoed from the input.",
+        "title": "Employee Id",
+        "type": "string"
+      },
+      "experimental_sgc_high": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Experimental Sgc High"
+      },
+      "experimental_sgc_low": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Experimental Sgc Low"
+      },
+      "final_shortfall": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Final Shortfall"
+      },
+      "horizon_verdicts": {
+        "anyOf": [
+          {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine horizon verdicts, when available.",
+        "title": "Horizon Verdicts"
+      },
+      "lateness_basis": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Receipt or assessment basis used to measure lateness.",
+        "title": "Lateness Basis"
+      },
+      "notes": {
+        "description": "Engine assessment notes.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Notes",
+        "type": "array"
+      },
+      "notional_earnings": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Notional Earnings"
+      },
+      "pathway": {
+        "description": "Deadline pathway chosen by the engine.",
+        "title": "Pathway",
+        "type": "string"
+      },
+      "qe_day": {
+        "description": "Date in YYYY-MM-DD form.",
+        "format": "date",
+        "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+        "title": "Qe Day",
+        "type": "string"
+      },
+      "received": {
+        "anyOf": [
+          {
+            "description": "Date in YYYY-MM-DD form.",
+            "format": "date",
+            "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Fund-receipt date, YYYY-MM-DD, or null if unknown.",
+        "title": "Received"
+      },
+      "remitted": {
+        "anyOf": [
+          {
+            "description": "Date in YYYY-MM-DD form.",
+            "format": "date",
+            "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Remittance date, YYYY-MM-DD, or null if unknown.",
+        "title": "Remitted"
+      },
+      "sg_amount": {
+        "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+        "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+        "title": "Sg Amount",
+        "type": "string"
+      },
+      "uplift": {
+        "anyOf": [
+          {
+            "additionalProperties": {
+              "additionalProperties": {
+                "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+                "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+                "type": "string"
+              },
+              "type": "object"
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Experimental uplift scenarios by history and disclosure timing, or null.",
+        "title": "Uplift"
+      },
+      "verdict": {
+        "description": "Engine contribution verdict; read alongside caveats and pathway.",
+        "title": "Verdict",
+        "type": "string"
+      }
+    },
+    "required": [
+      "employee_id",
+      "qe_day",
+      "sg_amount",
+      "remitted",
+      "received",
+      "due",
+      "pathway",
+      "verdict",
+      "days_late",
+      "lateness_basis",
+      "base_shortfall",
+      "final_shortfall",
+      "notional_earnings",
+      "experimental_sgc_low",
+      "experimental_sgc_high",
+      "uplift",
+      "notes",
+      "caveats",
+      "horizon_verdicts"
+    ],
+    "title": "PaydayAssessment",
+    "type": "object"
+  }
+}

Added value: +{
+  "as_at": {
+    "description": "Explicit operator assessment date, YYYY-MM-DD.",
+    "format": "date",
+    "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+    "title": "As At",
+    "type": "string"
+  },
+  "disclaimer": {
+    "description": "Experimental review and fund-receipt limitations.",
+    "title": "Disclaimer",
+    "type": "string"
+  },
+  "engine": {
+    "description": "Delegated distribution that produced this result.",
+    "title": "Engine",
+    "type": "string"
+  },
+  "engine_version": {
+    "description": "Installed version of that engine.",
+    "title": "Engine Version",
+    "type": "string"
+  },
+  "law_content_date": {
+    "description": "Date in YYYY-MM-DD form.",
+    "format": "date",
+    "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+    "title": "Law Content Date",
+    "type": "string"
+  },
+  "ok": {
+    "const": true,
+    "description": "The review ran; this does not mean compliance or a known verdict.",
+    "title": "Ok",
+    "type": "boolean"
+  },
+  "result": {
+    "$ref": "#/$defs/PaydayAssessment",
+    "description": "Contribution assessment; not a compliance determination."
+  }
+}

Added value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "law_content_date",
+  "as_at",
+  "disclaimer",
+  "result"
+]

Previous value: -"calc_payday_super_deadlineDictOutput"New value: +"PaydayReview"

Added value: +{
+  "BasFixture": {
+    "additionalProperties": true,
+    "not": {
+      "anyOf": [
+        {
+          "required": [
+            "income_statement"
+          ]
+        },
+        {
+          "required": [
+            "reconciliation"
+          ]
+        }
+      ]
+    },
+    "properties": {
+      "entity": {
+        "additionalProperties": true,
+        "description": "Fabricated identity and period fields.",
+        "title": "Entity",
+        "type": "object"
+      },
+      "form_type": {
+        "const": "BAS_AU_ACTIVITY_STATEMENT",
+        "title": "Form Type",
+        "type": "string"
+      },
+      "gst_labels": {
+        "additionalProperties": {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        "description": "Synthetic BAS GST labels.",
+        "title": "Gst Labels",
+        "type": "object"
+      },
+      "not_a_lodgment": {
+        "const": true,
+        "description": "Never a lodgment-ready payload.",
+        "title": "Not A Lodgment",
+        "type": "boolean"
+      },
+      "payg_withholding_labels": {
+        "additionalProperties": {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        "description": "Synthetic BAS PAYG labels.",
+        "title": "Payg Withholding Labels",
+        "type": "object"
+      },
+      "summary": {
+        "additionalProperties": {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        "description": "Synthetic BAS total.",
+        "title": "Summary",
+        "type": "object"
+      },
+      "synthetic": {
+        "const": true,
+        "description": "Fabricated test data; never real client results.",
+        "title": "Synthetic",
+        "type": "boolean"
+      }
+    },
+    "required": [
+      "synthetic",
+      "not_a_lodgment",
+      "entity",
+      "form_type",
+      "gst_labels",
+      "payg_withholding_labels",
+      "summary"
+    ],
+    "title": "BasFixture",
+    "type": "object"
+  },
+  "CtrFixture": {
+    "additionalProperties": true,
+    "not": {
+      "anyOf": [
+        {
+          "required": [
+            "gst_labels"
+          ]
+        },
+        {
+          "required": [
+            "payg_withholding_labels"
+          ]
+        },
+        {
+          "required": [
+            "summary"
+          ]
+        }
+      ]
+    },
+    "properties": {
+      "entity": {
+        "additionalProperties": true,
+        "description": "Fabricated identity and period fields.",
+        "title": "Entity",
+        "type": "object"
+      },
+      "form_type": {
+        "const": "CTR_AU_2025",
+        "title": "Form Type",
+        "type": "string"
+      },
+      "income_statement": {
+        "additionalProperties": {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        "description": "Synthetic CTR income figures.",
+        "title": "Income Statement",
+        "type": "object"
+      },
+      "not_a_lodgment": {
+        "const": true,
+        "description": "Never a lodgment-ready payload.",
+        "title": "Not A Lodgment",
+        "type": "boolean"
+      },
+      "reconciliation": {
+        "additionalProperties": {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        "description": "Synthetic CTR reconciliation.",
+        "title": "Reconciliation",
+        "type": "object"
+      },
+      "synthetic": {
+        "const": true,
+        "description": "Fabricated test data; never real client results.",
+        "title": "Synthetic",
+        "type": "boolean"
+      }
+    },
+    "required": [
+      "synthetic",
+      "not_a_lodgment",
+      "entity",
+      "form_type",
+      "income_statement",
+      "reconciliation"
+    ],
+    "title": "CtrFixture",
+    "type": "object"
+  }
+}

Removed value: -true

Added value: +[
+  {
+    "$ref": "#/$defs/CtrFixture"
+  },
+  {
+    "$ref": "#/$defs/BasFixture"
+  }
+]

Previous value: -"generate_synthetic_sbr_fixtureDictOutput"New value: +"SyntheticFixture"

Added value: +{
+  "BenchmarkRatio": {
+    "additionalProperties": true,
+    "properties": {
+      "benchmark_max": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Max"
+      },
+      "benchmark_min": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Min"
+      },
+      "is_key_ratio": {
+        "description": "Whether this is the selected ATO key ratio.",
+        "title": "Is Key Ratio",
+        "type": "boolean"
+      },
+      "label": {
+        "description": "Human-readable ratio name.",
+        "title": "Label",
+        "type": "string"
+      },
+      "percent": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Formatted percentage, or null if unavailable.",
+        "title": "Percent"
+      },
+      "ratio": {
+        "description": "Ratio identifier.",
+        "title": "Ratio",
+        "type": "string"
+      },
+      "status": {
+        "description": "Engine comparison status; not_supplied means facts do not establish the ratio.",
+        "title": "Status",
+        "type": "string"
+      },
+      "value": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Value"
+      }
+    },
+    "required": [
+      "ratio",
+      "label",
+      "value",
+      "percent",
+      "benchmark_min",
+      "benchmark_max",
+      "status",
+      "is_key_ratio"
+    ],
+    "title": "BenchmarkRatio",
+    "type": "object"
+  }
+}

Added value: +{
+  "benchmark_year": {
+    "description": "Income or dataset year in YYYY-YY form.",
+    "pattern": "^[0-9]{4}-[0-9]{2}$",
+    "title": "Benchmark Year",
+    "type": "string"
+  },
+  "bucket_totals": {
+    "additionalProperties": {
+      "anyOf": [
+        {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ],
+      "description": "Engine decimal string, or null when unavailable; null is not zero."
+    },
+    "description": "Bucket amounts; omitted inputs remain null.",
+    "title": "Bucket Totals",
+    "type": "object"
+  },
+  "business_type": {
+    "description": "Selected ATO industry name.",
+    "title": "Business Type",
+    "type": "string"
+  },
+  "checks_to_make": {
+    "description": "Suggested human checks, not findings of wrongdoing.",
+    "items": {
+      "type": "string"
+    },
+    "title": "Checks To Make",
+    "type": "array"
+  },
+  "complete_buckets": {
+    "description": "Whether all required expense buckets were supplied.",
+    "title": "Complete Buckets",
+    "type": "boolean"
+  },
+  "disclaimer": {
+    "description": "Engine limitations on using benchmark comparisons.",
+    "title": "Disclaimer",
+    "type": "string"
+  },
+  "engine": {
+    "description": "Delegated distribution that produced this result.",
+    "title": "Engine",
+    "type": "string"
+  },
+  "engine_version": {
+    "description": "Installed version of that engine.",
+    "title": "Engine Version",
+    "type": "string"
+  },
+  "figures": {
+    "additionalProperties": {
+      "anyOf": [
+        {
+          "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+          "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ],
+      "description": "Engine decimal string, or null when unavailable; null is not zero."
+    },
+    "description": "Engine figures; unevidenced totals are null.",
+    "title": "Figures",
+    "type": "object"
+  },
+  "key_ratio": {
+    "description": "Selected ATO key-ratio identifier.",
+    "title": "Key Ratio",
+    "type": "string"
+  },
+  "notes": {
+    "description": "Dataset and missing-fact explanations.",
+    "items": {
+      "type": "string"
+    },
+    "title": "Notes",
+    "type": "array"
+  },
+  "ok": {
+    "const": true,
+    "description": "The review ran; this does not mean compliance or a known verdict.",
+    "title": "Ok",
+    "type": "boolean"
+  },
+  "omitted_buckets": {
+    "description": "Buckets not supplied; never evidence of zero.",
+    "items": {
+      "type": "string"
+    },
+    "title": "Omitted Buckets",
+    "type": "array"
+  },
+  "ratios": {
+    "description": "Comparisons, including unevidenced ratios.",
+    "items": {
+      "$ref": "#/$defs/BenchmarkRatio"
+    },
+    "title": "Ratios",
+    "type": "array"
+  },
+  "source": {
+    "additionalProperties": true,
+    "description": "Unmodified engine source metadata and review provenance.",
+    "title": "Source",
+    "type": "object"
+  },
+  "supplied_buckets": {
+    "description": "Buckets explicitly supplied by the operator.",
+    "items": {
+      "type": "string"
+    },
+    "title": "Supplied Buckets",
+    "type": "array"
+  },
+  "turnover": {
+    "anyOf": [
+      {
+        "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+        "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+        "type": "string"
+      },
+      {
+        "type": "null"
+      }
+    ],
+    "description": "Engine decimal string, or null when unavailable; null is not zero.",
+    "title": "Turnover"
+  },
+  "turnover_band": {
+    "anyOf": [
+      {
+        "additionalProperties": {
+          "type": "string"
+        },
+        "type": "object"
+      },
+      {
+        "type": "null"
+      }
+    ],
+    "description": "Selected dataset band and label, or null if unavailable.",
+    "title": "Turnover Band"
+  },
+  "turnover_basis": {
+    "anyOf": [
+      {
+        "type": "string"
+      },
+      {
+        "type": "null"
+      }
+    ],
+    "description": "Engine denominator basis; null if unestablished.",
+    "title": "Turnover Basis"
+  },
+  "unreviewed_accounts": {
+    "description": "Unknown: this tool receives totals, not an account ledger.",
+    "title": "Unreviewed Accounts",
+    "type": "null"
+  }
+}

Added value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "benchmark_year",
+  "business_type",
+  "key_ratio",
+  "turnover",
+  "turnover_basis",
+  "turnover_band",
+  "figures",
+  "bucket_totals",
+  "ratios",
+  "unreviewed_accounts",
+  "notes",
+  "checks_to_make",
+  "source",
+  "disclaimer",
+  "supplied_buckets",
+  "omitted_buckets",
+  "complete_buckets"
+]

Previous value: -"get_ato_benchmarksDictOutput"New value: +"BenchmarkComparison"

Added value: +{
+  "RateFull": {
+    "additionalProperties": true,
+    "not": {
+      "required": [
+        "response_detail"
+      ]
+    },
+    "properties": {
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Decimal fraction, e.g. 0.08 means 8%; null if UNKNOWN.",
+        "title": "Benchmark Rate"
+      },
+      "disclaimer": {
+        "description": "Experimental scope and human-review requirements.",
+        "title": "Disclaimer",
+        "type": "string"
+      },
+      "engine": {
+        "description": "Delegated distribution that produced this result.",
+        "title": "Engine",
+        "type": "string"
+      },
+      "engine_version": {
+        "description": "Installed version of that engine.",
+        "title": "Engine Version",
+        "type": "string"
+      },
+      "law_compilation": {
+        "description": "Compiled law identified by the engine.",
+        "title": "Law Compilation",
+        "type": "string"
+      },
+      "law_content_date": {
+        "description": "Date in YYYY-MM-DD form.",
+        "format": "date",
+        "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+        "title": "Law Content Date",
+        "type": "string"
+      },
+      "ok": {
+        "const": true,
+        "description": "The review ran; this does not mean compliance or a known verdict.",
+        "title": "Ok",
+        "type": "boolean"
+      },
+      "provenance": {
+        "additionalProperties": true,
+        "description": "Unmodified engine source metadata and review provenance.",
+        "title": "Provenance",
+        "type": "object"
+      },
+      "reason": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine explanation when the rate is unavailable; otherwise null.",
+        "title": "Reason"
+      },
+      "statutory_trace": {
+        "description": "Engine statutory citations and audit trace; full only.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Statutory Trace",
+        "type": "array"
+      },
+      "verdict": {
+        "description": "Whether the engine has a reviewed rate.",
+        "enum": [
+          "KNOWN",
+          "UNKNOWN"
+        ],
+        "title": "Verdict",
+        "type": "string"
+      },
+      "year_of_income": {
+        "description": "Income or dataset year in YYYY-YY form.",
+        "pattern": "^[0-9]{4}-[0-9]{2}$",
+        "title": "Year Of Income",
+        "type": "string"
+      }
+    },
+    "required": [
+      "ok",
+      "engine",
+      "engine_version",
+      "law_content_date",
+      "law_compilation",
+      "disclaimer",
+      "year_of_income",
+      "verdict",
+      "benchmark_rate",
+      "reason",
+      "provenance",
+      "statutory_trace"
+    ],
+    "title": "RateFull",
+    "type": "object"
+  },
+  "RateSummary": {
+    "additionalProperties": true,
+    "description": "Concise rate result with source link.",
+    "properties": {
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Decimal fraction, e.g. 0.08 means 8%; null if UNKNOWN.",
+        "title": "Benchmark Rate"
+      },
+      "disclaimer": {
+        "description": "Experimental scope and human-review requirements.",
+        "title": "Disclaimer",
+        "type": "string"
+      },
+      "engine": {
+        "description": "Delegated distribution that produced this result.",
+        "title": "Engine",
+        "type": "string"
+      },
+      "engine_version": {
+        "description": "Installed version of that engine.",
+        "title": "Engine Version",
+        "type": "string"
+      },
+      "law_compilation": {
+        "description": "Compiled law identified by the engine.",
+        "title": "Law Compilation",
+        "type": "string"
+      },
+      "law_content_date": {
+        "description": "Date in YYYY-MM-DD form.",
+        "format": "date",
+        "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+        "title": "Law Content Date",
+        "type": "string"
+      },
+      "ok": {
+        "const": true,
+        "description": "The review ran; this does not mean compliance or a known verdict.",
+        "title": "Ok",
+        "type": "boolean"
+      },
+      "reason": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine explanation when the rate is unavailable; otherwise null.",
+        "title": "Reason"
+      },
+      "response_detail": {
+        "const": "summary",
+        "description": "Summary response marker.",
+        "title": "Response Detail",
+        "type": "string"
+      },
+      "source": {
+        "$ref": "#/$defs/VerificationSource",
+        "description": "Concise verification source."
+      },
+      "verdict": {
+        "description": "Whether the engine has a reviewed rate.",
+        "enum": [
+          "KNOWN",
+          "UNKNOWN"
+        ],
+        "title": "Verdict",
+        "type": "string"
+      },
+      "year_of_income": {
+        "description": "Income or dataset year in YYYY-YY form.",
+        "pattern": "^[0-9]{4}-[0-9]{2}$",
+        "title": "Year Of Income",
+        "type": "string"
+      }
+    },
+    "required": [
+      "ok",
+      "engine",
+      "engine_version",
+      "law_content_date",
+      "law_compilation",
+      "disclaimer",
+      "year_of_income",
+      "verdict",
+      "benchmark_rate",
+      "reason",
+      "response_detail",
+      "source"
+    ],
+    "title": "RateSummary",
+    "type": "object"
+  },
+  "VerificationSource": {
+    "additionalProperties": true,
+    "properties": {
+      "verify_at": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine verification URL; empty or null when none is available.",
+        "title": "Verify At"
+      }
+    },
+    "required": [
+      "verify_at"
+    ],
+    "title": "VerificationSource",
+    "type": "object"
+  }
+}

Removed value: -true

Added value: +[
+  {
+    "$ref": "#/$defs/RateSummary"
+  },
+  {
+    "$ref": "#/$defs/RateFull"
+  }
+]

Previous value: -"get_div7a_benchmark_rateDictOutput"New value: +"Div7aRate"

Added value: +{
+  "Industry": {
+    "additionalProperties": true,
+    "properties": {
+      "key_ratio": {
+        "description": "ATO key-ratio identifier for this industry.",
+        "title": "Key Ratio",
+        "type": "string"
+      },
+      "name": {
+        "description": "Business-type name accepted by get_ato_benchmarks.",
+        "title": "Name",
+        "type": "string"
+      }
+    },
+    "required": [
+      "name",
+      "key_ratio"
+    ],
+    "title": "Industry",
+    "type": "object"
+  }
+}

Added value: +{
+  "benchmark_year": {
+    "description": "Income or dataset year in YYYY-YY form.",
+    "pattern": "^[0-9]{4}-[0-9]{2}$",
+    "title": "Benchmark Year",
+    "type": "string"
+  },
+  "count": {
+    "description": "Number of industries matching the search.",
+    "title": "Count",
+    "type": "integer"
+  },
+  "engine": {
+    "description": "Delegated distribution that produced this result.",
+    "title": "Engine",
+    "type": "string"
+  },
+  "engine_version": {
+    "description": "Installed version of that engine.",
+    "title": "Engine Version",
+    "type": "string"
+  },
+  "industries": {
+    "description": "Matching industries; empty if no match.",
+    "items": {
+      "$ref": "#/$defs/Industry"
+    },
+    "title": "Industries",
+    "type": "array"
+  },
+  "ok": {
+    "const": true,
+    "description": "The review ran; this does not mean compliance or a known verdict.",
+    "title": "Ok",
+    "type": "boolean"
+  },
+  "source": {
+    "additionalProperties": true,
+    "description": "Unmodified engine source metadata and review provenance.",
+    "title": "Source",
+    "type": "object"
+  },
+  "total_business_types": {
+    "description": "Total industries in the selected dataset.",
+    "title": "Total Business Types",
+    "type": "integer"
+  }
+}

Added value: +[
+  "ok",
+  "engine",
+  "engine_version",
+  "benchmark_year",
+  "count",
+  "total_business_types",
+  "industries",
+  "source"
+]

Previous value: -"list_ato_benchmark_industriesDictOutput"New value: +"IndustryList"

Added value: +{
+  "available": {
+    "const": false,
+    "description": "This compatibility tool cannot calculate a repayment.",
+    "title": "Available",
+    "type": "boolean"
+  },
+  "code": {
+    "const": "ERR_POLICY_DIV7A_SCOPE_REFUSED",
+    "description": "Machine-readable refusal code.",
+    "title": "Code",
+    "type": "string"
+  },
+  "ok": {
+    "const": false,
+    "description": "Unsupported request was refused.",
+    "title": "Ok",
+    "type": "boolean"
+  },
+  "reason": {
+    "description": "Supported alternatives and excluded matters.",
+    "title": "Reason",
+    "type": "string"
+  },
+  "reviewed_engine": {
+    "const": true,
+    "description": "Separate tools expose the reviewed engine scope.",
+    "title": "Reviewed Engine",
+    "type": "boolean"
+  }
+}

Added value: +[
+  "ok",
+  "available",
+  "reviewed_engine",
+  "code",
+  "reason"
+]

Previous value: -"refuse_div7aDictOutput"New value: +"ScopeRefusal"

Added value: +{
+  "Div7aGate": {
+    "additionalProperties": true,
+    "properties": {
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Rate"
+      },
+      "benchmark_year_used": {
+        "anyOf": [
+          {
+            "description": "Income or dataset year in YYYY-YY form.",
+            "pattern": "^[0-9]{4}-[0-9]{2}$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine benchmark year, YYYY-YY, if known.",
+        "title": "Benchmark Year Used"
+      },
+      "caveats": {
+        "description": "Limitations to retain when presenting the result.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Caveats",
+        "type": "array"
+      },
+      "loan_id": {
+        "description": "Operator loan reference.",
+        "title": "Loan Id",
+        "type": "string"
+      },
+      "maximum_term_years_allowed": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Maximum Term Years Allowed"
+      },
+      "reasons": {
+        "description": "Engine reasons for the reported verdict.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Reasons",
+        "type": "array"
+      },
+      "verdict": {
+        "description": "Reviewed s 109N gate only; UNKNOWN never means false or compliant.",
+        "enum": [
+          "COMPLYING",
+          "NOT_COMPLYING",
+          "UNKNOWN"
+        ],
+        "title": "Verdict",
+        "type": "string"
+      }
+    },
+    "required": [
+      "verdict",
+      "loan_id",
+      "benchmark_year_used",
+      "benchmark_rate",
+      "maximum_term_years_allowed",
+      "reasons",
+      "caveats"
+    ],
+    "title": "Div7aGate",
+    "type": "object"
+  },
+  "Div7aRepayment": {
+    "additionalProperties": true,
+    "properties": {
+      "amalgamated_loan_unpaid_at_end_of_previous_year": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Amalgamated Loan Unpaid At End Of Previous Year"
+      },
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Rate"
+      },
+      "caveats": {
+        "description": "Limitations to retain when presenting the result.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Caveats",
+        "type": "array"
+      },
+      "experimental_deemed_dividend_exposure": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Experimental AUD exposure only, not an assessed dividend; null if unknown.",
+        "title": "Experimental Deemed Dividend Exposure"
+      },
+      "gate_verdict": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "s 109N gate outcome used in the repayment review.",
+        "title": "Gate Verdict"
+      },
+      "loan_id": {
+        "description": "Operator loan reference.",
+        "title": "Loan Id",
+        "type": "string"
+      },
+      "myr_required": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Required repayment in AUD; null if not determined.",
+        "title": "Myr Required"
+      },
+      "payments_applied": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Payments Applied"
+      },
+      "reasons": {
+        "description": "Engine reasons for the reported verdict.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Reasons",
+        "type": "array"
+      },
+      "remaining_term_years_used": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Remaining Term Years Used"
+      },
+      "rounding": {
+        "description": "Rounding rule reported by the engine.",
+        "title": "Rounding",
+        "type": "string"
+      },
+      "shortfall": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Shortfall"
+      },
+      "verdict": {
+        "description": "Engine s 109E outcome, including MYR_MET, MYR_SHORT, UNKNOWN or REFUSED.",
+        "title": "Verdict",
+        "type": "string"
+      },
+      "year_of_income": {
+        "description": "Income or dataset year in YYYY-YY form.",
+        "pattern": "^[0-9]{4}-[0-9]{2}$",
+        "title": "Year Of Income",
+        "type": "string"
+      }
+    },
+    "required": [
+      "verdict",
+      "loan_id",
+      "year_of_income",
+      "gate_verdict",
+      "benchmark_rate",
+      "amalgamated_loan_unpaid_at_end_of_previous_year",
+      "remaining_term_years_used",
+      "myr_required",
+      "payments_applied",
+      "shortfall",
+      "experimental_deemed_dividend_exposure",
+      "rounding",
+      "reasons",
+      "caveats"
+    ],
+    "title": "Div7aRepayment",
+    "type": "object"
+  },
+  "GateFull": {
+    "additionalProperties": true,
+    "properties": {
+      "benchmark_provenance": {
+        "anyOf": [
+          {
+            "additionalProperties": true,
+            "description": "Unmodified engine source metadata and review provenance.",
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "title": "Benchmark Provenance"
+      },
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Rate"
+      },
+      "benchmark_year_used": {
+        "anyOf": [
+          {
+            "description": "Income or dataset year in YYYY-YY form.",
+            "pattern": "^[0-9]{4}-[0-9]{2}$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine benchmark year, YYYY-YY, if known.",
+        "title": "Benchmark Year Used"
+      },
+      "caveats": {
+        "description": "Limitations to retain when presenting the result.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Caveats",
+        "type": "array"
+      },
+      "limbs": {
+        "description": "Individual s 109N findings.",
+        "items": {
+          "additionalProperties": {
+            "type": "string"
+          },
+          "type": "object"
+        },
+        "title": "Limbs",
+        "type": "array"
+      },
+      "loan_id": {
+        "description": "Operator loan reference.",
+        "title": "Loan Id",
+        "type": "string"
+      },
+      "maximum_term_years_allowed": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Maximum Term Years Allowed"
+      },
+      "reasons": {
+        "description": "Engine reasons for the reported verdict.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Reasons",
+        "type": "array"
+      },
+      "statutory_trace": {
+        "description": "Engine statutory citations and audit trace; full only.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Statutory Trace",
+        "type": "array"
+      },
+      "verdict": {
+        "description": "Reviewed s 109N gate only; UNKNOWN never means false or compliant.",
+        "enum": [
+          "COMPLYING",
+          "NOT_COMPLYING",
+          "UNKNOWN"
+        ],
+        "title": "Verdict",
+        "type": "string"
+      }
+    },
+    "required": [
+      "verdict",
+      "loan_id",
+      "benchmark_year_used",
+      "benchmark_rate",
+      "maximum_term_years_allowed",
+      "reasons",
+      "caveats",
+      "benchmark_provenance",
+      "limbs",
+      "statutory_trace"
+    ],
+    "title": "GateFull",
+    "type": "object"
+  },
+  "RepaymentFull": {
+    "additionalProperties": true,
+    "properties": {
+      "amalgamated_loan_unpaid_at_end_of_previous_year": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Amalgamated Loan Unpaid At End Of Previous Year"
+      },
+      "benchmark_provenance": {
+        "anyOf": [
+          {
+            "additionalProperties": true,
+            "description": "Unmodified engine source metadata and review provenance.",
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "title": "Benchmark Provenance"
+      },
+      "benchmark_rate": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Benchmark Rate"
+      },
+      "caveats": {
+        "description": "Limitations to retain when presenting the result.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Caveats",
+        "type": "array"
+      },
+      "experimental_deemed_dividend_exposure": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Experimental AUD exposure only, not an assessed dividend; null if unknown.",
+        "title": "Experimental Deemed Dividend Exposure"
+      },
+      "gate_verdict": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "s 109N gate outcome used in the repayment review.",
+        "title": "Gate Verdict"
+      },
+      "loan_id": {
+        "description": "Operator loan reference.",
+        "title": "Loan Id",
+        "type": "string"
+      },
+      "myr_required": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Required repayment in AUD; null if not determined.",
+        "title": "Myr Required"
+      },
+      "payments_applied": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Payments Applied"
+      },
+      "reasons": {
+        "description": "Engine reasons for the reported verdict.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Reasons",
+        "type": "array"
+      },
+      "remaining_term_years_used": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Remaining Term Years Used"
+      },
+      "rounding": {
+        "description": "Rounding rule reported by the engine.",
+        "title": "Rounding",
+        "type": "string"
+      },
+      "shortfall": {
+        "anyOf": [
+          {
+            "description": "Finite engine decimal string, including exponent notation; retain its precision.",
+            "pattern": "^[+-]?(?:[0-9]+(?:\\.[0-9]*)?|\\.[0-9]+)(?:[eE][+-]?[0-9]+)?$",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine decimal string, or null when unavailable; null is not zero.",
+        "title": "Shortfall"
+      },
+      "statutory_trace": {
+        "description": "Engine statutory citations and audit trace; full only.",
+        "items": {
+          "type": "string"
+        },
+        "title": "Statutory Trace",
+        "type": "array"
+      },
+      "verdict": {
+        "description": "Engine s 109E outcome, including MYR_MET, MYR_SHORT, UNKNOWN or REFUSED.",
+        "title": "Verdict",
+        "type": "string"
+      },
+      "year_of_income": {
+        "description": "Income or dataset year in YYYY-YY form.",
+        "pattern": "^[0-9]{4}-[0-9]{2}$",
+        "title": "Year Of Income",
+        "type": "string"
+      }
+    },
+    "required": [
+      "verdict",
+      "loan_id",
+      "year_of_income",
+      "gate_verdict",
+      "benchmark_rate",
+      "amalgamated_loan_unpaid_at_end_of_previous_year",
+      "remaining_term_years_used",
+      "myr_required",
+      "payments_applied",
+      "shortfall",
+      "experimental_deemed_dividend_exposure",
+      "rounding",
+      "reasons",
+      "caveats",
+      "benchmark_provenance",
+      "statutory_trace"
+    ],
+    "title": "RepaymentFull",
+    "type": "object"
+  },
+  "ReviewFull": {
+    "additionalProperties": true,
+    "not": {
+      "required": [
+        "response_detail"
+      ]
+    },
+    "properties": {
+      "disclaimer": {
+        "description": "Experimental scope and human-review requirements.",
+        "title": "Disclaimer",
+        "type": "string"
+      },
+      "engine": {
+        "description": "Delegated distribution that produced this result.",
+        "title": "Engine",
+        "type": "string"
+      },
+      "engine_version": {
+        "description": "Installed version of that engine.",
+        "title": "Engine Version",
+        "type": "string"
+      },
+      "gate": {
+        "$ref": "#/$defs/GateFull",
+        "description": "s 109N gate with full audit fields."
+      },
+      "law_compilation": {
+        "description": "Compiled law identified by the engine.",
+        "title": "Law Compilation",
+        "type": "string"
+      },
+      "law_content_date": {
+        "description": "Date in YYYY-MM-DD form.",
+        "format": "date",
+        "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+        "title": "Law Content Date",
+        "type": "string"
+      },
+      "minimum_yearly_repayment": {
+        "$ref": "#/$defs/RepaymentFull",
+        "description": "s 109E review with full audit fields."
+      },
+      "ok": {
+        "const": true,
+        "description": "The review ran; this does not mean compliance or a known verdict.",
+        "title": "Ok",
+        "type": "boolean"
+      }
+    },
+    "required": [
+      "ok",
+      "engine",
+      "engine_version",
+      "law_content_date",
+      "law_compilation",
+      "disclaimer",
+      "gate",
+      "minimum_yearly_repayment"
+    ],
+    "title": "ReviewFull",
+    "type": "object"
+  },
+  "ReviewSummary": {
+    "additionalProperties": true,
+    "properties": {
+      "disclaimer": {
+        "description": "Experimental scope and human-review requirements.",
+        "title": "Disclaimer",
+        "type": "string"
+      },
+      "engine": {
+        "description": "Delegated distribution that produced this result.",
+        "title": "Engine",
+        "type": "string"
+      },
+      "engine_version": {
+        "description": "Installed version of that engine.",
+        "title": "Engine Version",
+        "type": "string"
+      },
+      "gate": {
+        "$ref": "#/$defs/Div7aGate",
+        "description": "s 109N gate outcome and reasons."
+      },
+      "law_compilation": {
+        "description": "Compiled law identified by the engine.",
+        "title": "Law Compilation",
+        "type": "string"
+      },
+      "law_content_date": {
+        "description": "Date in YYYY-MM-DD form.",
+        "format": "date",
+        "pattern": "^[0-9]{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12][0-9]|3[01])$",
+        "title": "Law Content Date",
+        "type": "string"
+      },
+      "minimum_yearly_repayment": {
+        "$ref": "#/$defs/Div7aRepayment",
+        "description": "s 109E review or refusal."
+      },
+      "ok": {
+        "const": true,
+        "description": "The review ran; this does not mean compliance or a known verdict.",
+        "title": "Ok",
+        "type": "boolean"
+      },
+      "response_detail": {
+        "const": "summary",
+        "description": "Summary response marker.",
+        "title": "Response Detail",
+        "type": "string"
+      },
+      "source": {
+        "$ref": "#/$defs/VerificationSource",
+        "description": "Concise verification source."
+      }
+    },
+    "required": [
+      "ok",
+      "engine",
+      "engine_version",
+      "law_content_date",
+      "law_compilation",
+      "disclaimer",
+      "response_detail",
+      "source",
+      "gate",
+      "minimum_yearly_repayment"
+    ],
+    "title": "ReviewSummary",
+    "type": "object"
+  },
+  "VerificationSource": {
+    "additionalProperties": true,
+    "properties": {
+      "verify_at": {
+        "anyOf": [
+          {
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ],
+        "description": "Engine verification URL; empty or null when none is available.",
+        "title": "Verify At"
+      }
+    },
+    "required": [
+      "verify_at"
+    ],
+    "title": "VerificationSource",
+    "type": "object"
+  }
+}

Removed value: -true

Added value: +[
+  {
+    "$ref": "#/$defs/ReviewSummary"
+  },
+  {
+    "$ref": "#/$defs/ReviewFull"
+  }
+]

Previous value: -"review_div7a_loanDictOutput"New value: +"Div7aReview"

Added value: +"Required assessment date, YYYY-MM-DD. Supply explicitly; the tool does not assume today."

Added value: +"Whether this is a defined-benefit interest. Defaults to false; true selects the engine pathway that skips lateness testing."

Added value: +"Operator reference echoed in the result; defaults to \"mcp-1\". No employee record is looked up or written."

Added value: +"Whether this is the first eligible contribution to this fund under the engine first-contribution rule. Defaults to false; establish eligibility before setting true."

Added value: +"Subsequent schedule-consistent non-out-of-cycle QE payment date, YYYY-MM-DD; must be after qe_day when out_of_cycle is true. Not an assumed future payday."

Added value: +"Whether the payment qualifies for the out-of-cycle pathway. Defaults to false; true requires next_standard_qe_day for an actual subsequent standard QE payment."

Added value: +"Qualifying-earnings payment date (payday), YYYY-MM-DD. This engine rejects dates before its Payday Super regime."

Added value: +"Actual fund-receipt date, YYYY-MM-DD. Omit or null if unknown; required before the statutory test can return ON_TIME."

Added value: +"Date money was sent, YYYY-MM-DD. Optional; does not prove receipt by the fund or establish ON_TIME."

Added value: +"Superannuation guarantee contribution amount for this employee and qualifying-earnings payment. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."

Added value: +"Fabricated entity label for test output; defaults to \"Synthetix Pty Ltd\". Do not supply real client data."

Added value: +"Fixture type: \"CTR\" (company tax return) or \"BAS\" (activity statement), case-insensitive. No other forms are supported."

Added value: +"Fabricated gross revenue (CTR) or total sales G1 (BAS); defaults to \"1000000.00\". Other figures use fixed demonstration assumptions. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."

Added value: +"Payments to associated persons, kept separate from salary/wage buckets to avoid double counting. Needed for labour comparison when w1 is supplied. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Contractor, subcontractor and commission expenses. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Cost of sales excluding salary and wages; put that labour in cost_of_sales_labour. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Salary and wages within cost of sales, excluding separately bucketed payments to associated persons. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"ATO business-type name returned by list_ato_benchmark_industries. Select an industry before comparing figures."

Added value: +"Business motor vehicle expenses for the comparison period. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Other expenses, including superannuation and depreciation; exclude amounts already in another bucket and income tax expense. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Non-sales business income, e.g. interest or grants. Required to establish any ratio denominator. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Business rent expenses for the comparison period. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Salary and wages outside cost of sales, excluding separately bucketed payments to associated persons. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Sales of goods and services, excluding other income. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."

Added value: +"Activity statement W1 total for the same period; used by the engine when greater than the reconstructed salary and wages label. Supply associated_persons too. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Benchmark dataset year in YYYY-YY form, e.g. \"2023-24\". Omit or null selects the latest shipped dataset, not a live ATO lookup."

Added value: +"\"summary\" (default) returns the concise result; \"full\" includes the complete engine audit and provenance."

Added value: +"Income year being reviewed, YYYY-YY, e.g. \"2025-26\". Years outside the engine reviewed rate table return UNKNOWN."

Added value: +"Optional case-insensitive industry-name search; omit to list all industries in the selected shipped dataset."

Added value: +"Benchmark dataset year in YYYY-YY form, e.g. \"2023-24\". Omit or null selects the latest shipped dataset, not a live ATO lookup."

Added value: +"Legacy borrower label; ignored. This refusal tool does not look up a borrower or calculate a repayment."

Added value: +"Legacy secured-loan flag; defaults to false and is ignored. Does not establish eligibility or enable a calculation."

Added value: +"Legacy lender label; ignored. No entity record is looked up or written."

Added value: +"Legacy principal, validated then discarded; this tool always refuses unsupported scope. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00."

Added value: +"Legacy financial-year value; defaults to 2025 and is ignored. Use review_div7a_loan with explicit income years for supported reviews."

Added value: +"Operator-established amalgamated-loan balance at the end of the preceding income year. The tool does not form amalgamated loans. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Agreed interest rate as a decimal fraction, e.g. \"0.08\" means 8%, not \"8\". Omit or null if unknown; do not assume a current benchmark rate."

Added value: +"Operator loan reference echoed in the result; defaults to \"mcp-div7a-1\". No loan record is looked up or written."

Added value: +"Actual agreed loan term in years as a decimal string, e.g. \"7\"; not the statutory maximum. Omit or null if unknown."

Added value: +"Amount the operator establishes as applied during the income year. The tool does not classify payments under s 109R; omit if not established. AUD decimal string, e.g. \"1000.00\"; finite, at most 2 decimal places, absolute value at most 1000000000000.00. Omit or null means not supplied; use \"0.00\" only for an established zero."

Added value: +"Remaining statutory term for the supplied amalgamated loan, as a decimal string. The engine rounds fractional years up. Omit or null if unknown."

Added value: +"\"summary\" (default) returns the concise result; \"full\" includes the complete engine audit and provenance."

Added value: +"Whether the loan has a registered mortgage over real property. Omit or null means UNKNOWN, not false."

Added value: +"Property market value less prior secured liabilities, divided by the loan at inception; decimal ratio, e.g. \"1.10\" means 110%. Omit or null if unknown."

Added value: +"Operator assertion that terms were in place before the relevant lodgment day. The engine does not compute that day. Omit or null if unknown."

Added value: +"Whether the loan agreement is in writing. Omit or null means UNKNOWN, not false."

Added value: +"Income year the loan was made, YYYY-YY, e.g. \"2024-25\". Omit or null if unknown."

Added value: +"Income year being reviewed, YYYY-YY, e.g. \"2025-26\". Years outside the engine reviewed rate table return UNKNOWN."