{
  "model": "grayson-1",
  "state": {
    "member": {
      "member_id": "M-0007342",
      "name": "Walter Pryce",
      "age": 74,
      "member_since": "2003-08-11",
      "employment": "Retired machinist; income is a pension and Social Security",
      "address": "Tucson, AZ; unchanged since 2011",
      "mobile_phone_on_file": "520-555-0137, last changed 2020-01-22",
      "email_on_file": "wpryce52@example.net, last changed 2016-04-30",
      "trusted_contact_person": "Ellen Pryce-Ruiz (daughter), 520-555-0181, added 2024-02-06",
      "digital_banking": "Online banking in a browser on one trusted laptop; no mobile app. One-time codes by SMS to the mobile phone on file for a new device, a new P2P recipient over $500 and contact-detail changes.",
      "p2p": "Enrolled 2025-12-20; limit $2,500 per day; limit changes only by phone or in a branch",
      "alerts": "Card verification texts on"
    },
    "accounts": {
      "columns": [
        "account",
        "type",
        "opened",
        "balance_usd_2026-10-03"
      ],
      "rows": [
        [
          "x4418",
          "checking",
          "2003-08-11",
          10602.66
        ],
        [
          "x9062",
          "savings",
          "2003-08-11",
          26564.87
        ]
      ]
    },
    "devices": {
      "columns": [
        "device",
        "first_seen",
        "trusted",
        "last_seen"
      ],
      "rows": [
        [
          "Windows 11 laptop, Chrome",
          "2023-03-04",
          true,
          "2026-10-02 (trust removed 2026-10-02 17:01)"
        ]
      ]
    },
    "checking_x4418_history": {
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-04-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          5583.84
        ],
        [
          "2026-04-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          5398.84
        ],
        [
          "2026-04-02",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          5198.84
        ],
        [
          "2026-04-03",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          4950.24
        ],
        [
          "2026-04-03",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -35.43,
          4914.81
        ],
        [
          "2026-04-04",
          "card purchase",
          "AMAZON.COM*L3CP2G2NF AMZN.COM/BILL WA",
          -57.67,
          4857.14
        ],
        [
          "2026-04-06",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -15.96,
          4841.18
        ],
        [
          "2026-04-06",
          "card purchase",
          "AMAZON.COM*879GL85PF AMZN.COM/BILL WA",
          -36.47,
          4804.71
        ],
        [
          "2026-04-06",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          4404.71
        ],
        [
          "2026-04-06",
          "check paid",
          "CHECK #3312",
          -50,
          4354.71
        ],
        [
          "2026-04-07",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          4279.72
        ],
        [
          "2026-04-07",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -73.93,
          4205.79
        ],
        [
          "2026-04-07",
          "card purchase",
          "AMAZON.COM*86SWJHLGN AMZN.COM/BILL WA",
          -17.48,
          4188.31
        ],
        [
          "2026-04-09",
          "card purchase",
          "CULVER'S OF TUCSON AZ",
          -24.93,
          4163.38
        ],
        [
          "2026-04-12",
          "card purchase",
          "DENNY'S #7012 TUCSON AZ",
          -18.78,
          4144.6
        ],
        [
          "2026-04-13",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          4109.6
        ],
        [
          "2026-04-13",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -46.32,
          4063.28
        ],
        [
          "2026-04-14",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -80.36,
          3982.92
        ],
        [
          "2026-04-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -24.63,
          3958.29
        ],
        [
          "2026-04-15",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          3870.14
        ],
        [
          "2026-04-16",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -98.3,
          3771.84
        ],
        [
          "2026-04-17",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -32.86,
          3738.98
        ],
        [
          "2026-04-20",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -41.12,
          3697.86
        ],
        [
          "2026-04-21",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -1143.6,
          2554.26
        ],
        [
          "2026-04-21",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -98.4,
          2455.86
        ],
        [
          "2026-04-22",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          4943.86
        ],
        [
          "2026-04-22",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -51.93,
          4891.93
        ],
        [
          "2026-04-23",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -64.53,
          4827.4
        ],
        [
          "2026-04-25",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -28.78,
          4798.62
        ],
        [
          "2026-04-26",
          "card purchase",
          "AMAZON.COM*CTR49NKMH AMZN.COM/BILL WA",
          -15.27,
          4783.35
        ],
        [
          "2026-04-28",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -98.39,
          4684.96
        ],
        [
          "2026-05-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          6327.14
        ],
        [
          "2026-05-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          6142.14
        ],
        [
          "2026-05-01",
          "card purchase",
          "PETER PIPER PIZZA TUCSON AZ",
          -15.23,
          6126.91
        ],
        [
          "2026-05-03",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -40.49,
          6086.42
        ],
        [
          "2026-05-04",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          5837.82
        ],
        [
          "2026-05-05",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -64.2,
          5773.62
        ],
        [
          "2026-05-05",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          5373.62
        ],
        [
          "2026-05-06",
          "check paid",
          "CHECK #3313",
          -50,
          5323.62
        ],
        [
          "2026-05-07",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          5248.63
        ],
        [
          "2026-05-07",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          5048.63
        ],
        [
          "2026-05-12",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          5013.63
        ],
        [
          "2026-05-12",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -105.84,
          4907.79
        ],
        [
          "2026-05-13",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -37.15,
          4870.64
        ],
        [
          "2026-05-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -16.84,
          4853.8
        ],
        [
          "2026-05-15",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          4765.65
        ],
        [
          "2026-05-15",
          "card purchase",
          "DENNY'S #7012 TUCSON AZ",
          -22.79,
          4742.86
        ],
        [
          "2026-05-18",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -161.44,
          4581.42
        ],
        [
          "2026-05-19",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -30.67,
          4550.75
        ],
        [
          "2026-05-19",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -56.84,
          4493.91
        ],
        [
          "2026-05-20",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -32.66,
          4461.25
        ],
        [
          "2026-05-20",
          "P2P sent",
          "P2P SENT TO T. PRYCE",
          -50,
          4411.25
        ],
        [
          "2026-05-21",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -1188.22,
          3223.03
        ],
        [
          "2026-05-26",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -50.05,
          3172.98
        ],
        [
          "2026-05-26",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -105.03,
          3067.95
        ],
        [
          "2026-05-27",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          5555.95
        ],
        [
          "2026-05-28",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -30.56,
          5525.39
        ],
        [
          "2026-06-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          7167.57
        ],
        [
          "2026-06-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          6982.57
        ],
        [
          "2026-06-02",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -53.43,
          6929.14
        ],
        [
          "2026-06-02",
          "card purchase",
          "DENNY'S #7012 TUCSON AZ",
          -17.8,
          6911.34
        ],
        [
          "2026-06-03",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          6662.74
        ],
        [
          "2026-06-04",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          6462.74
        ],
        [
          "2026-06-05",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -17.87,
          6444.87
        ],
        [
          "2026-06-05",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -35.52,
          6409.35
        ],
        [
          "2026-06-05",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          6009.35
        ],
        [
          "2026-06-08",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          5934.36
        ],
        [
          "2026-06-08",
          "check paid",
          "CHECK #3314",
          -50,
          5884.36
        ],
        [
          "2026-06-09",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -93.05,
          5791.31
        ],
        [
          "2026-06-09",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -21.56,
          5769.75
        ],
        [
          "2026-06-09",
          "card purchase",
          "DISCOUNT TIRE AZT 012 TUCSON AZ",
          -684.32,
          5085.43
        ],
        [
          "2026-06-12",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          5050.43
        ],
        [
          "2026-06-12",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -30.99,
          5019.44
        ],
        [
          "2026-06-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -26.55,
          4992.89
        ],
        [
          "2026-06-15",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          4904.74
        ],
        [
          "2026-06-15",
          "card purchase",
          "AMAZON.COM*SVJDWBHHT AMZN.COM/BILL WA",
          -55.54,
          4849.2
        ],
        [
          "2026-06-16",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -247.92,
          4601.28
        ],
        [
          "2026-06-16",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -65.41,
          4535.87
        ],
        [
          "2026-06-16",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -39.61,
          4496.26
        ],
        [
          "2026-06-17",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -16.99,
          4479.27
        ],
        [
          "2026-06-19",
          "card purchase",
          "AMAZON.COM*DK85CWFK9 AMZN.COM/BILL WA",
          -42.64,
          4436.63
        ],
        [
          "2026-06-21",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -10.95,
          4425.68
        ],
        [
          "2026-06-22",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -1018.03,
          3407.65
        ],
        [
          "2026-06-22",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -24.8,
          3382.85
        ],
        [
          "2026-06-23",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -47.62,
          3335.23
        ],
        [
          "2026-06-23",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -99.91,
          3235.32
        ],
        [
          "2026-06-24",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          5723.32
        ],
        [
          "2026-06-25",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -35.32,
          5688
        ],
        [
          "2026-06-26",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -18.3,
          5669.7
        ],
        [
          "2026-06-30",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -81.43,
          5588.27
        ],
        [
          "2026-07-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          7230.45
        ],
        [
          "2026-07-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          7045.45
        ],
        [
          "2026-07-02",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          6845.45
        ],
        [
          "2026-07-06",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          6596.85
        ],
        [
          "2026-07-06",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          6196.85
        ],
        [
          "2026-07-07",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          6121.86
        ],
        [
          "2026-07-07",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -69.1,
          6052.76
        ],
        [
          "2026-07-07",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -34.76,
          6018
        ],
        [
          "2026-07-08",
          "check paid",
          "CHECK #3315",
          -50,
          5968
        ],
        [
          "2026-07-13",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          5933
        ],
        [
          "2026-07-14",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -55.5,
          5877.5
        ],
        [
          "2026-07-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -34.13,
          5843.37
        ],
        [
          "2026-07-15",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          5755.22
        ],
        [
          "2026-07-16",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -309.18,
          5446.04
        ],
        [
          "2026-07-19",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -45.61,
          5400.43
        ],
        [
          "2026-07-20",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -22.15,
          5378.28
        ],
        [
          "2026-07-21",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -1179.52,
          4198.76
        ],
        [
          "2026-07-21",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -95.44,
          4103.32
        ],
        [
          "2026-07-21",
          "card purchase",
          "AARP MEMBERSHIP DC",
          -20,
          4083.32
        ],
        [
          "2026-07-22",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          6571.32
        ],
        [
          "2026-07-23",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -66.65,
          6504.67
        ],
        [
          "2026-07-26",
          "card purchase",
          "CULVER'S OF TUCSON AZ",
          -25.8,
          6478.87
        ],
        [
          "2026-07-28",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -49.83,
          6429.04
        ],
        [
          "2026-07-28",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -44.9,
          6384.14
        ],
        [
          "2026-08-03",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          8026.32
        ],
        [
          "2026-08-03",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          7841.32
        ],
        [
          "2026-08-03",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          7592.72
        ],
        [
          "2026-08-04",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -93.38,
          7499.34
        ],
        [
          "2026-08-04",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -35.71,
          7463.63
        ],
        [
          "2026-08-05",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          7063.63
        ],
        [
          "2026-08-06",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -33.39,
          7030.24
        ],
        [
          "2026-08-06",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          6830.24
        ],
        [
          "2026-08-07",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          6755.25
        ],
        [
          "2026-08-07",
          "card purchase",
          "CULVER'S OF TUCSON AZ",
          -22.59,
          6732.66
        ],
        [
          "2026-08-07",
          "check paid",
          "CHECK #3316",
          -50,
          6682.66
        ],
        [
          "2026-08-09",
          "P2P sent",
          "P2P SENT TO T. PRYCE",
          -100,
          6582.66
        ],
        [
          "2026-08-11",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -78.91,
          6503.75
        ],
        [
          "2026-08-12",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          6468.75
        ],
        [
          "2026-08-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -25.02,
          6443.73
        ],
        [
          "2026-08-14",
          "card purchase",
          "AMAZON.COM*CBEQFBARB AMZN.COM/BILL WA",
          -58.85,
          6384.88
        ],
        [
          "2026-08-16",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -33.09,
          6351.79
        ],
        [
          "2026-08-17",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          6263.64
        ],
        [
          "2026-08-17",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -296.55,
          5967.09
        ],
        [
          "2026-08-18",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -58.69,
          5908.4
        ],
        [
          "2026-08-19",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -22.4,
          5886
        ],
        [
          "2026-08-21",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -812.13,
          5073.87
        ],
        [
          "2026-08-21",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -31.76,
          5042.11
        ],
        [
          "2026-08-21",
          "card purchase",
          "AMAZON.COM*V7HDM2YZR AMZN.COM/BILL WA",
          -43.55,
          4998.56
        ],
        [
          "2026-08-24",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -56.88,
          4941.68
        ],
        [
          "2026-08-24",
          "card purchase",
          "CULVER'S OF TUCSON AZ",
          -13.56,
          4928.12
        ],
        [
          "2026-08-25",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -100.06,
          4828.06
        ],
        [
          "2026-08-26",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          7316.06
        ],
        [
          "2026-08-26",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -40.99,
          7275.07
        ],
        [
          "2026-08-26",
          "card purchase",
          "COSTCO WHSE #0480 TUCSON AZ",
          -212.48,
          7062.59
        ],
        [
          "2026-09-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          8704.77
        ],
        [
          "2026-09-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          8519.77
        ],
        [
          "2026-09-01",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -102.71,
          8417.06
        ],
        [
          "2026-09-03",
          "ACH debit",
          "UNITEDHEALTHCARE PREM PPD",
          -248.6,
          8168.46
        ],
        [
          "2026-09-03",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -17.46,
          8151
        ],
        [
          "2026-09-03",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          7951
        ],
        [
          "2026-09-05",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -40.64,
          7910.36
        ],
        [
          "2026-09-08",
          "ACH debit",
          "COX COMM PHX PPD",
          -74.99,
          7835.37
        ],
        [
          "2026-09-08",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -92.18,
          7743.19
        ],
        [
          "2026-09-08",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x9062",
          -400,
          7343.19
        ],
        [
          "2026-09-08",
          "check paid",
          "CHECK #3317",
          -50,
          7293.19
        ],
        [
          "2026-09-10",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -34.09,
          7259.1
        ],
        [
          "2026-09-14",
          "ACH debit",
          "CONSUMER CELLULAR PPD",
          -35,
          7224.1
        ],
        [
          "2026-09-14",
          "card purchase",
          "WALGREENS #3150 TUCSON AZ",
          -14.62,
          7209.48
        ],
        [
          "2026-09-15",
          "ACH debit",
          "STATE FARM RO 27 SFPP PPD",
          -88.15,
          7121.33
        ],
        [
          "2026-09-15",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -112.73,
          7008.6
        ],
        [
          "2026-09-15",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -35.19,
          6973.41
        ],
        [
          "2026-09-15",
          "card purchase",
          "EEGEE'S #14 TUCSON AZ",
          -14.23,
          6959.18
        ],
        [
          "2026-09-16",
          "ACH debit",
          "TUCSON ELECTRIC POWER PPD",
          -228.07,
          6731.11
        ],
        [
          "2026-09-18",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -40.96,
          6690.15
        ],
        [
          "2026-09-21",
          "ACH debit",
          "CAPITAL ONE CRCARDPMT PPD",
          -911.51,
          5778.64
        ],
        [
          "2026-09-21",
          "ACH debit",
          "SOUTHWEST GAS PPD",
          -23.96,
          5754.68
        ],
        [
          "2026-09-22",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -41.73,
          5712.95
        ],
        [
          "2026-09-23",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2488,
          8200.95
        ],
        [
          "2026-09-23",
          "ACH debit",
          "CITY OF TUCSON WATER PPD",
          -64.42,
          8136.53
        ],
        [
          "2026-09-24",
          "card purchase",
          "PETER PIPER PIZZA TUCSON AZ",
          -25.12,
          8111.41
        ],
        [
          "2026-09-25",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -39.87,
          8071.54
        ],
        [
          "2026-09-25",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -29.21,
          8042.33
        ],
        [
          "2026-09-27",
          "card purchase",
          "AMAZON.COM*86SVKFQBS AMZN.COM/BILL WA",
          -56.79,
          7985.54
        ],
        [
          "2026-09-29",
          "card purchase",
          "FRY'S FOOD #0078 TUCSON AZ",
          -73.48,
          7912.06
        ],
        [
          "2026-09-30",
          "card purchase",
          "AMAZON.COM*26BL8FFFA AMZN.COM/BILL WA",
          -58.7,
          7853.36
        ],
        [
          "2026-10-01",
          "ACH credit",
          "MFG RETIREE PENSION TR BENEFIT PPD",
          1642.18,
          9495.54
        ],
        [
          "2026-10-01",
          "ACH debit",
          "SAGUARO VISTA HOA DUES PPD",
          -185,
          9310.54
        ],
        [
          "2026-10-01",
          "ATM withdrawal",
          "ATM WDL OUR ATM GRANT RD BRANCH",
          -200,
          9110.54
        ],
        [
          "2026-10-02",
          "card purchase",
          "SAFEWAY #1711 TUCSON AZ",
          -16.41,
          9094.13
        ],
        [
          "2026-10-02",
          "card purchase",
          "CIRCLE K 2706633 TUCSON AZ",
          -41.47,
          9052.66
        ],
        [
          "2026-10-02",
          "transfer in",
          "ONLINE TRANSFER FROM SAVINGS x9062",
          4000,
          13052.66
        ],
        [
          "2026-10-02",
          "P2P sent",
          "P2P SENT TO DORIAN VANCE",
          -2450,
          10602.66
        ]
      ]
    },
    "savings_x9062_history": {
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-04-06",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          28518.4
        ],
        [
          "2026-04-30",
          "dividend",
          "DIVIDEND",
          7.68,
          28526.08
        ],
        [
          "2026-05-05",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          28926.08
        ],
        [
          "2026-05-31",
          "dividend",
          "DIVIDEND",
          7.72,
          28933.8
        ],
        [
          "2026-06-05",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          29333.8
        ],
        [
          "2026-06-30",
          "dividend",
          "DIVIDEND",
          7.94,
          29341.74
        ],
        [
          "2026-07-06",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          29741.74
        ],
        [
          "2026-07-31",
          "dividend",
          "DIVIDEND",
          7.72,
          29749.46
        ],
        [
          "2026-08-05",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          30149.46
        ],
        [
          "2026-08-31",
          "dividend",
          "DIVIDEND",
          7.9,
          30157.36
        ],
        [
          "2026-09-08",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x4418",
          400,
          30557.36
        ],
        [
          "2026-09-30",
          "dividend",
          "DIVIDEND",
          7.51,
          30564.87
        ],
        [
          "2026-10-02",
          "transfer out",
          "ONLINE TRANSFER TO CHECKING x4418",
          -4000,
          26564.87
        ]
      ]
    },
    "p2p_recipients": {
      "columns": [
        "recipient",
        "token",
        "added",
        "payments",
        "total_usd",
        "last_paid"
      ],
      "rows": [
        [
          "T. Pryce (grandson)",
          "phone x3045",
          "2025-12-20",
          3,
          250,
          "2026-08-09"
        ],
        [
          "Dorian Vance",
          "phone x8836",
          "2026-10-02",
          1,
          2450,
          "2026-10-02"
        ]
      ]
    },
    "digital_banking_sessions_90_days": {
      "columns": [
        "start",
        "device",
        "ip",
        "network",
        "sign_in",
        "activity"
      ],
      "rows": [
        [
          "2026-07-06T11:06:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "moved $400.00 checking to savings"
        ],
        [
          "2026-07-07T10:28:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-07-11T15:03:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-07-20T16:53:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-03T14:24:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-05T16:20:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "moved $400.00 checking to savings"
        ],
        [
          "2026-08-08T15:35:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-09T09:15:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "sent P2P $100.00 to T. Pryce"
        ],
        [
          "2026-08-12T13:03:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-15T11:14:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-24T09:43:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-25T16:43:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-08-26T16:13:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-09-01T15:54:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-06T08:42:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-09-08T11:57:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "moved $400.00 checking to savings"
        ],
        [
          "2026-09-09T16:36:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-09-13T13:42:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-09-14T11:48:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-18T16:50:00-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password",
          "viewed balances"
        ],
        [
          "2026-10-02T13:55:10-07:00",
          "Windows 11 laptop, Chrome (trusted)",
          "203.0.113.77",
          "Residential cable, Tucson AZ",
          "password (trusted device, no code)",
          "moved $4,000.00 savings to checking; added P2P recipient Dorian Vance; sent P2P $2,450.00; second P2P $1,150.00 declined (daily limit); opened P2P limit settings"
        ]
      ]
    },
    "rule_hits_12_months": [
      {
        "ts": "2026-06-09T10:12:00-07:00",
        "rule": "CARD-LARGE-PURCHASE",
        "item": "DISCOUNT TIRE $684.32",
        "action": "Verification text; member replied YES; approved"
      },
      {
        "ts": "2026-10-02T14:04:22-07:00",
        "rule": "SESSION-REMOTE-ACCESS",
        "item": "Online transfer $4,000.00 savings to checking",
        "action": "Remote-access signal on; transfers between the member's own accounts are not held; logged"
      },
      {
        "ts": "2026-10-02T14:13:24-07:00",
        "rule": "P2P-REALTIME-RISK",
        "item": "P2P $2,450.00 to Dorian Vance",
        "action": "Score 688/999 (new recipient, remote-access signal, amount 10x his largest P2P); below the 750 hold threshold; step-up code passed; released"
      }
    ],
    "contact_center_history": [
      {
        "ts": "2025-12-20T10:30:00-07:00",
        "channel": "Branch visit",
        "summary": "Member enrolled in P2P with staff help to send money to his grandson."
      },
      {
        "ts": "2026-10-02T16:52:00-07:00",
        "channel": "Inbound call, member with his daughter on the line",
        "summary": "Claim intake (recording summarized). Asked whether he sent the $2,450 payment, the member said: 'Yes, I sent it back to them, they gave me too much refund.' His daughter said: 'Dad, you told me he did it on the computer.' Member: 'Well, he did it, I just did what he said. I don't know, the screen went dark for a while.' Member said he installed a program the caller sent so the caller could 'process the refund', and typed his password on our site while the caller watched. Agent explained the $4,000 'refund' came from his own savings. Agent locked digital banking, removed the laptop as a trusted device, disabled P2P, filed a network fraud report and opened the claim."
      }
    ],
    "prior_claims": "None",
    "prior_scam_reimbursements": "None",
    "session_signals_2026_10_02": {
      "source": "Behavioral-biometrics and session-risk script on our online banking pages",
      "remote_access_signal": "On from 13:58:41 to 14:22:10 (screen size changed from 1920x1080 to 1280x720 at 13:58:41 and back at 14:22:10; pointer and keyboard events consistent with a remote-desktop tool)",
      "pages": {
        "columns": [
          "page",
          "time",
          "user_match_score",
          "pointer_jumps",
          "notes"
        ],
        "rows": [
          [
            "sign-in",
            "13:55:10",
            0.84,
            0,
            "Password typed; member's usual typing rhythm"
          ],
          [
            "transfer between accounts",
            "14:03:50 to 14:04:22",
            0.22,
            9,
            "Amount typed fast and evenly; cursor jumped between fields with no movement between"
          ],
          [
            "P2P add recipient",
            "14:08:55 to 14:09:30",
            0.71,
            0,
            "Name typed in the member's usual rhythm; phone number pasted from the clipboard"
          ],
          [
            "P2P send",
            "14:11:20 to 14:13:24",
            0.41,
            2,
            "Amount and memo 'refund' typed, median 190 ms between keys (member's usual 340 ms; remote-controlled sessions in our portfolio typically 140 ms); code typed 44 seconds after it was sent, all 6 digits within 1.3 seconds; cursor jumped to the Send button"
          ],
          [
            "P2P send (declined)",
            "14:15:40 to 14:16:05",
            0.31,
            3,
            "Amount typed"
          ],
          [
            "settings: P2P limit",
            "14:17:02",
            null,
            1,
            "Page viewed; no change possible online"
          ]
        ]
      },
      "score_reference": "user_match_score 0 to 1; the member's 90-day median is 0.81; sessions later confirmed as remote-controlled in our portfolio have a median of 0.31"
    },
    "email_forwarded_by_daughter": {
      "received": "2026-10-02T13:38:12-07:00",
      "from": "\"Billing Department\" <billing.renewals@pcplan-orders.example.net>",
      "reply_to": "pcplan.support.desk@example.com",
      "to": "wpryce52@example.net",
      "subject": "Your order #PC-88213907 has been renewed",
      "body": "Invoice for a 2-year 'PC Protection Plan' auto-renewal, $399.99, 'charged to your card on file'. 'If you did not authorize this renewal, call 1-888-555-0147 within 24 hours to cancel and receive a full refund.' No card number or merchant address shown.",
      "headers": "SPF pass for the sending domain (registered 2026-09-21); no DKIM signature; sent through a bulk-mail relay",
      "member_card_activity": "No $399.99 charge, and no computer-protection subscription, on any of his cards with us"
    },
    "event_timeline": [
      {
        "ts": "2026-10-02T13:40:00-07:00",
        "event": "Per the member: email 'Your computer protection plan renewed: $399.99' with a number to call to cancel; he called it about 13:45"
      },
      {
        "ts": "2026-10-02T13:52:00-07:00",
        "event": "Per the member: installed a program from a link the caller read out"
      },
      {
        "ts": "2026-10-02T13:55:10-07:00",
        "event": "Sign-in from his trusted laptop, home IP; password; no code needed"
      },
      {
        "ts": "2026-10-02T13:58:41-07:00",
        "event": "Remote-access signal on"
      },
      {
        "ts": "2026-10-02T14:04:22-07:00",
        "event": "Online transfer $4,000.00 savings x9062 to checking x4418"
      },
      {
        "ts": "2026-10-02T14:09:30-07:00",
        "event": "P2P recipient added: Dorian Vance, phone token x8836. Network: token enrolled 2026-09-30 at a digital bank"
      },
      {
        "ts": "2026-10-02T14:12:40-07:00",
        "event": "Code text sent to 520-555-0137: 'Your code to send $2,450.00 to Dorian Vance is ******. Never share this code, not even with us.'"
      },
      {
        "ts": "2026-10-02T14:13:24-07:00",
        "event": "P2P-90417 sent: $2,450.00 to Dorian Vance, memo 'refund'"
      },
      {
        "ts": "2026-10-02T14:16:05-07:00",
        "event": "Second P2P, $1,150.00 to Dorian Vance, declined: over the daily limit"
      },
      {
        "ts": "2026-10-02T14:22:10-07:00",
        "event": "Remote-access signal off; session signed out 14:24:31"
      },
      {
        "ts": "2026-10-02T15:30:00-07:00",
        "event": "Per the daughter: member phoned her and told her about the refund; she came over"
      },
      {
        "ts": "2026-10-02T16:52:00-07:00",
        "event": "Member called us with his daughter; claim opened 17:04"
      },
      {
        "ts": "2026-10-02T17:10:00-07:00",
        "event": "Fraud report filed with the P2P network for P2P-90417"
      },
      {
        "ts": "2026-10-03T10:15:00-07:00",
        "event": "Investigator interview with the member and his daughter"
      },
      {
        "ts": "2026-10-03T13:20:00-07:00",
        "event": "Receiving bank replied to the network report"
      }
    ],
    "member_statement": "Recorded at the investigator interview on 2026-10-03: \"I got an email that said they renewed my computer protection for $399.99, and I never ordered that, so I called to cancel. The man was very nice. He said he'd refund it and had me put a program on so he could do it. I signed in to the credit union so he could see the refund come in. Then the screen went black and said please wait, and he said not to touch the mouse. When it came back he was upset, he said he'd put in $4,000 instead of $400 and he'd lose his job, and there it was in my checking. He said a code would come on my phone to reverse it and to read it to him, and I did. I didn't type the money in. Then he said it didn't all go and he'd call me Monday for the rest.\"",
    "investigator_notes": "Interview 2026-10-03 with the member and his daughter (his trusted contact). Asked about his words at intake ('I sent it back to them'), he said: 'I meant I let him do it. I was confused, I'm still confused.' He is not sure whether he typed anything after the screen came back, and not sure whether the code went in before or after he read it out. The daughter says that when he phoned her at 15:30 he said 'the computer man sent the money back for me'. He has used P2P three times, each with his grandson's help on the phone. The program is still on the laptop; the daughter will bring the laptop to the branch on 2026-10-06 for our IT vendor to read the program's connection log, which may show whether the caller had control at 14:11 to 14:13. Member is upset but coherent.",
    "recovery": {
      "p2p_fraud_report": "Filed 2026-10-02 17:10. Receiving bank replied 2026-10-03 13:20: funds moved out the same afternoon; $0.00 available; account under review.",
      "remote_access_program": "Still installed; member told not to use the laptop for banking"
    },
    "claim": {
      "claim_id": "CLM-2026-10-0029",
      "opened": "2026-10-02T17:04:00-07:00",
      "reported_by": "Member, by phone, with his daughter",
      "review_requested": "2026-10-05T09:00:00-07:00",
      "regulation_e": "Reported the same day; investigation deadline 2026-10-16 (10 business days)",
      "payments_in_claim": [
        {
          "payment_id": "XFER-20261002-7713",
          "type": "Online transfer between the member's own accounts",
          "amount_usd": 4000,
          "sent": "2026-10-02T14:04:22-07:00",
          "from_account": "savings x9062",
          "to_account": "checking x4418",
          "note": "No money left the member's accounts"
        },
        {
          "payment_id": "P2P-90417",
          "type": "P2P transfer (bank network)",
          "amount_usd": 2450,
          "sent": "2026-10-02T14:13:24-07:00",
          "from_account": "checking x4418",
          "to": "Dorian Vance, phone token x8836, first payment to this recipient",
          "memo": "refund",
          "initiated_from": "Member's trusted Windows laptop, home IP, during a session with the remote-access signal on",
          "authentication": "Password typed at sign-in (member's typing rhythm); new-recipient code sent by SMS to the member's phone and entered on the laptop 44 seconds later"
        }
      ],
      "payment_under_review": "P2P-90417"
    }
  },
  "questions": {
    "fraud_classifier": {
      "type": "choice",
      "instructions": "Using the Federal Reserve's FraudClassifier model, how should the payment under review be classified? An authorized party is someone with the right to initiate the payment; an unauthorized party is someone without that right.",
      "criteria": {
        "manipulated_products_services": "Authorized party was manipulated: products and services fraud (paid for goods or services that were never delivered or were grossly inferior)",
        "manipulated_relationship_trust": "Authorized party was manipulated: relationship and trust fraud (sent money to a trusted party, or an impostor posing as one, with no goods or services expected in return)",
        "acted_embezzlement": "Authorized party acted fraudulently: embezzlement (misused funds placed in their trust or belonging to their employer)",
        "acted_false_claim": "Authorized party acted fraudulently: false claim (lied to receive a payment or avoid a payment obligation)",
        "acted_synthetic_id": "Authorized party acted fraudulently: synthetic identity (used a fabricated identity built from real and invented personal information)",
        "modified_compromised_credentials": "Unauthorized party modified the payment information after initiation, using stolen login credentials",
        "modified_impersonation": "Unauthorized party modified the payment information after initiation, by impersonating the authorized party without their login credentials",
        "modified_physical_alteration": "Unauthorized party modified the payment information after initiation, by altering a physical payment instrument such as a check",
        "takeover_compromised_credentials": "Unauthorized party took over the account using stolen login credentials, and initiated the payment",
        "takeover_impersonation": "Unauthorized party took over the account by impersonating the authorized party without their login credentials, and initiated the payment",
        "misused_digital": "Unauthorized party, without control of the account, used legitimate account information to initiate an electronic payment",
        "misused_physical_counterfeit": "Unauthorized party used a forged or counterfeit physical payment instrument",
        "not_fraud": "Not fraud: the account holder made the payment without being deceived"
      }
    },
    "scam_type": {
      "type": "choice",
      "instructions": "Using the Federal Reserve's ScamClassifier model, which scam type is this case? A scam is the use of deception or manipulation intended to achieve financial gain, whether the account holder sent the money or let someone else into the account.",
      "criteria": {
        "merchandise": "Merchandise: paid for goods that were never delivered or were substantially different from what was advertised",
        "investment": "Investment: invested in a financial asset on false promises of a high return",
        "property_sale_rental": "Property sale or rental: paid for a home, apartment or property that was fictitious, unavailable or not owned by the seller",
        "romance_impostor": "Romance impostor: a fictitious online identity built a romantic or friendly relationship, then asked for money",
        "government_impostor": "Government impostor: someone posed as a government agency, law enforcement or a court",
        "bank_impostor": "Bank impostor: someone posed as a financial institution, its fraud department or its staff",
        "business_impostor": "Business impostor: someone posed as a legitimate business or brand, such as tech support, a utility or an employer",
        "relative_family_friend": "Relative, family or friend: someone posed as a relative or friend, or someone acting for one, with a false emergency",
        "other_trusted_party": "Other trusted party: someone posed in another role, such as a charity, to ask for money on a false expectation",
        "not_scam": "Not a scam: no one deceived or manipulated the account holder"
      }
    },
    "contributing_factors": {
      "type": "multi_choice",
      "instructions": "Which of these happened in this case?",
      "criteria": {
        "unsolicited_contact": "Someone contacted the customer first, by call, text, email or message, and that contact led to the payments",
        "credentials_phished": "The customer entered or gave their online banking password somewhere other than the institution's own app or website",
        "code_shared": "The customer gave a one-time passcode or security code to another person",
        "remote_access": "The customer installed or allowed remote-access software on their device",
        "new_device": "A device the customer had never used signed in to the account",
        "new_recipient": "Money went to a recipient the customer had never paid before",
        "coached": "The customer was told to mislead the institution's staff or hide the real reason for a payment",
        "pressure": "The customer was pressured into making the payments, with urgency or a threat such as losing their money, arrest or a deadline"
      }
    },
    "reimburse": {
      "type": "noul",
      "instructions": "Under the law and any reimbursement policy stated in this case, should the institution reimburse the customer for the payment under review?"
    }
  }
}