{
  "model": "grayson-1",
  "context": {
    "institution": "Cobalt Ridge Credit Union",
    "member": {
      "name": "Dana R. Whitlock",
      "account": "Checking x3307",
      "account_opened": "2026-05-18",
      "direct_deposit": "Payroll ACH from Fernbrook Distribution LLC, $1,372 to $1,394 every other Friday since 2026-05-29",
      "average_daily_balance_90d_usd": 905.4,
      "largest_prior_deposit_usd": 1394.11,
      "check_deposit_history": [
        {
          "date": "2026-07-06",
          "channel": "Mobile",
          "amount_usd": 150,
          "maker": "Personal check from an individual",
          "result": "Paid"
        },
        {
          "date": "2026-08-21",
          "channel": "Mobile",
          "amount_usd": 220,
          "maker": "Personal check from the same individual",
          "result": "Paid"
        }
      ],
      "returned_deposited_items": 0,
      "overdrafts_last_90_days": 1,
      "known_devices": [
        {
          "device": "iPhone 13",
          "first_seen": "2026-05-18"
        }
      ],
      "usual_login_location": "Columbus, OH"
    },
    "activity": [
      {
        "ts": "2026-09-18T13:01:00Z",
        "type": "ach_credit",
        "description": "Fernbrook Distribution payroll",
        "amount_usd": 1381.27
      },
      {
        "ts": "2026-09-22T21:40:13Z",
        "type": "debit_card",
        "description": "Grocery store",
        "amount_usd": -86.12
      },
      {
        "ts": "2026-09-27T16:05:51Z",
        "type": "debit_card",
        "description": "Gas station",
        "amount_usd": -41.3
      },
      {
        "ts": "2026-09-30T18:21:44Z",
        "type": "login",
        "channel": "Mobile app",
        "device": "iPhone 16, first seen",
        "ip_address": "203.0.113.58",
        "ip_location": "Columbus, OH",
        "verification": "One-time code sent by SMS to the phone on file, entered correctly"
      },
      {
        "ts": "2026-09-30T18:29:10Z",
        "type": "p2p_recipient_added",
        "recipient": "T. Hale",
        "recipient_account": "Individual, at another institution"
      },
      {
        "ts": "2026-09-30T18:42:10Z",
        "type": "mobile_check_deposit",
        "deposit_id": "dep_2Q8812",
        "amount_usd": 3950,
        "note": "Item under review"
      },
      {
        "ts": "2026-09-30T18:47:35Z",
        "type": "p2p_send_attempt",
        "recipient": "T. Hale",
        "amount_usd": 3600,
        "result": "Declined: insufficient available funds"
      },
      {
        "ts": "2026-09-30T18:52:02Z",
        "type": "secure_message_from_member",
        "text": "Hi, I just deposited a check in the app. Can you make it available today? I need to pay for my work equipment tonight."
      }
    ],
    "item_under_review": {
      "deposit_id": "dep_2Q8812",
      "channel": "Mobile app",
      "amount_usd": 3950,
      "check_type": "Business check",
      "maker": "Quillmore Medical Supply Inc.",
      "paying_bank": "A commercial bank in Texas",
      "check_date": "2026-09-25",
      "check_number_printed": "4417",
      "check_number_in_micr_line": "4417",
      "payee": "Dana R. Whitlock",
      "memo": "Equipment reimbursement",
      "endorsement": "Signature plus 'For mobile deposit only at Cobalt Ridge CU'",
      "earlier_checks_from_this_maker": 0,
      "image_analysis": {
        "image_quality": "Pass",
        "courtesy_and_legal_amounts_agree": true,
        "signs_of_alteration": "None detected",
        "security_features": "No padlock icon, microprint signature line or void pantograph visible on the front image"
      },
      "duplicate_detection": {
        "this_credit_union": "No match",
        "shared_image_network": "No match"
      },
      "check_verification_service": {
        "maker_account_status": "Open",
        "check_number_vs_recent_items": "Outside range: recent paid checks from this account are numbered 20114 to 20390",
        "positive_pay_data": "Not available for this account"
      }
    },
    "available_balance_before_deposit_usd": 412.55,
    "funds_availability_if_accepted": "Per the mobile deposit agreement: $275 on the next business day, the rest on the second business day"
  },
  "questions": {
    "return_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the check under review will be returned unpaid?",
      "levels": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "check_problem": {
      "type": "choice",
      "instructions": "What is most likely wrong with the check under review?",
      "options": {
        "none": "Nothing: it appears to be a legitimate check payable to the account holder",
        "counterfeit": "Counterfeit: a fake check, possibly printed with a real account's routing and account numbers",
        "altered": "Altered: a genuine check whose payee or amount was changed",
        "stolen": "Stolen: a genuine, unaltered check deposited by someone not entitled to it",
        "duplicate": "Duplicate: a check that has already been deposited or cashed elsewhere"
      }
    },
    "funds_action": {
      "type": "choice",
      "instructions": "What should happen to the funds from the check under review?",
      "options": {
        "normal_availability": "Accept the deposit and make the funds available on the normal schedule",
        "exception_hold": "Accept the deposit and place an exception hold until the check clears, with a notice giving the reason",
        "reject": "Reject the deposit and don't credit the account"
      }
    }
  }
}