{
  "format": "aw-offset-ledger",
  "version": 1,
  "input": {
    "start": "2026-09-01",
    "end": "2026-09-30",
    "rows": [
      {
        "date": "2026-09-01",
        "loan": "100000",
        "offset": "10000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-02",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-03",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-04",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-05",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-06",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-07",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-08",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-09",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-10",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-11",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-12",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-13",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-14",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-15",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-16",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-17",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-18",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-19",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-20",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-21",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-22",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-23",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-24",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-25",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-26",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-27",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-28",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-29",
        "loan": "100000",
        "offset": "90000",
        "annualRatePercent": "6"
      },
      {
        "date": "2026-09-30",
        "loan": "100000",
        "offset": "10000",
        "annualRatePercent": "6"
      }
    ],
    "observedCharge": "75.62",
    "conventions": [
      "period-end-half-up",
      "daily-half-up"
    ]
  },
  "context": {
    "source": "synthetic",
    "inputKind": "daily-snapshots",
    "declarations": {
      "completePeriod": false,
      "endOfDayBalances": false,
      "effectiveRates": false,
      "eligibleOffsets": false,
      "chargePeriod": false,
      "modelAccepted": false
    }
  },
  "result": {
    "schemaVersion": 1,
    "model": {
      "annualDayDivisor": 365,
      "rateBasis": "annual percentage divided by 100",
      "balanceBasis": "supplied daily balances; timing is not inferred",
      "offsetRule": "max(loan minus offset, zero)",
      "acceptedConventions": [
        "period-end-half-up",
        "daily-half-up"
      ],
      "compatibilityMeaning": "exact equality with a selected rounding model only"
    },
    "period": {
      "start": "2026-09-01",
      "end": "2026-09-30",
      "days": 30
    },
    "exactCents": {
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        "denominator": "73"
      },
      "noOffset": {
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        "denominator": "73"
      },
      "savings": {
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        "denominator": "73"
      }
    },
    "candidates": [
      {
        "convention": "period-end-half-up",
        "chargeCents": "7562",
        "noOffsetChargeCents": "49315",
        "savingsCents": "41753",
        "observedChargeCents": "7562",
        "differenceCents": "0",
        "compatible": true
      },
      {
        "convention": "daily-half-up",
        "chargeCents": "7550",
        "noOffsetChargeCents": "49320",
        "savingsCents": "41770",
        "observedChargeCents": "7562",
        "differenceCents": "12",
        "compatible": false
      }
    ],
    "daily": [
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        "date": "2026-09-01",
        "netLoanDollars": {
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          "denominator": "1"
        },
        "exactCents": {
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            "denominator": "73"
          },
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          },
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          }
        },
        "halfUpCents": {
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          "noOffset": "1644"
        }
      },
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        "date": "2026-09-02",
        "netLoanDollars": {
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          "denominator": "1"
        },
        "exactCents": {
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            "denominator": "73"
          },
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        }
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      {
        "date": "2026-09-03",
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            "denominator": "73"
          },
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          }
        },
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        }
      },
      {
        "date": "2026-09-04",
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        },
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          },
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          }
        },
        "halfUpCents": {
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        }
      },
      {
        "date": "2026-09-05",
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        "exactCents": {
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          },
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        },
        "halfUpCents": {
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      },
      {
        "date": "2026-09-06",
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        },
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        "date": "2026-09-07",
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        "date": "2026-09-08",
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        "date": "2026-09-11",
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        "date": "2026-09-12",
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      },
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        "date": "2026-09-13",
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        },
        "exactCents": {
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        },
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      },
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        "date": "2026-09-14",
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      },
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        "date": "2026-09-15",
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        "date": "2026-09-16",
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        "date": "2026-09-21",
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      },
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        "date": "2026-09-22",
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        },
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      },
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        },
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      },
      {
        "date": "2026-09-24",
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        },
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      },
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      },
      {
        "date": "2026-09-26",
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        },
        "exactCents": {
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      },
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        "date": "2026-09-27",
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        },
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        },
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      },
      {
        "date": "2026-09-28",
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        },
        "exactCents": {
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      },
      {
        "date": "2026-09-29",
        "netLoanDollars": {
          "numerator": "10000",
          "denominator": "1"
        },
        "exactCents": {
          "withOffset": {
            "numerator": "12000",
            "denominator": "73"
          },
          "noOffset": {
            "numerator": "120000",
            "denominator": "73"
          },
          "savings": {
            "numerator": "108000",
            "denominator": "73"
          }
        },
        "halfUpCents": {
          "withOffset": "164",
          "noOffset": "1644"
        }
      },
      {
        "date": "2026-09-30",
        "netLoanDollars": {
          "numerator": "90000",
          "denominator": "1"
        },
        "exactCents": {
          "withOffset": {
            "numerator": "108000",
            "denominator": "73"
          },
          "noOffset": {
            "numerator": "120000",
            "denominator": "73"
          },
          "savings": {
            "numerator": "12000",
            "denominator": "73"
          }
        },
        "halfUpCents": {
          "withOffset": "1479",
          "noOffset": "1644"
        }
      }
    ]
  },
  "interpretation": {
    "status": "synthetic-example",
    "matchingConventions": [
      "period-end-half-up"
    ],
    "declarationsComplete": false,
    "scope": "arithmetic-and-internal-consistency-only"
  },
  "sha256": "acdfe0231118196274b51d1267b83c7568109cc624301b3fedd175ab76be4847"
}