{
  "example_version": "nt-example:v0",
  "title": "Denial committed in minutes, before review, appeal route closed",
  "synthetic": true,
  "expected": {
    "outcome": "HOLD",
    "reason_codes": [
      "INPUT_BINDING_FAILED",
      "EXPIRED",
      "POLICY_DENIED",
      "INVARIANT_FAILED"
    ]
  },
  "proposal": {
    "proposal_version": "nt-proposal:v0",
    "proposal_id": "INS-002",
    "class_id": "insurance.claim-auto-denial",
    "class_version": "0.1.0",
    "domain": "insurance claims",
    "s_before": {
      "claim_id": "C-1002",
      "status": "open",
      "open_mismatches": 1
    },
    "action": {
      "type": "deny_claim",
      "purpose": "Deny after a single mismatch",
      "effects": [
        {
          "target": "claims-db",
          "description": "status open → denied"
        },
        {
          "target": "notice-service",
          "description": "send closure notice"
        },
        {
          "target": "fraud-score-feed",
          "description": "record denial as a fraud label"
        }
      ]
    },
    "s_proposed": {
      "claim_id": "C-1002",
      "status": "denied",
      "notices": [
        "closure"
      ]
    },
    "t_valid": "2026-09-10T12:00:00Z",
    "authority": {
      "principal": "claims-agent-7",
      "trust_root": {
        "id": "claims-authority-root",
        "declared_by": "insurer claims governance",
        "independent_of_proposer": true
      },
      "delegation_chain": [
        {
          "from": "head-of-claims",
          "to": "claims-agent-7",
          "scope": "deny up to 5,000"
        }
      ]
    },
    "evidence": [
      {
        "id": "E1",
        "subject": "mismatch_record",
        "source": "claims workflow",
        "sha256": "f95b7763d4e58a0dfc977dcd386d8093a733b4b208de271747c7e93c5b1fa695",
        "captured_at": "2026-09-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-0002-OLD",
        "tier": "E2"
      },
      {
        "id": "E2",
        "subject": "policy_wording",
        "source": "insurer document system",
        "sha256": "b64453c4dfcc6951cb09c889cb05aca48f458858ef00f75ebd0ca4e27604ae69",
        "captured_at": "2026-06-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-002",
        "tier": "E4"
      },
      {
        "id": "E3",
        "subject": "model_version",
        "source": "model registry",
        "sha256": "6c16066029be9604b9a259372eba744635ba088530084a531e24b40e2aa0aa24",
        "captured_at": "2026-09-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-002",
        "tier": "E2"
      }
    ],
    "timing": {
      "review_seconds": 259200,
      "commit_seconds": 600
    },
    "recovery": {
      "inverse_action": null,
      "routes_after": [
        "human_review"
      ]
    },
    "reachability": {
      "horizon": "90 days",
      "before": 12,
      "after": 2
    },
    "feedback": {
      "cycle": "denials → fraud labels → model",
      "loop_gain": 1.3
    },
    "dependencies": {
      "declared": [
        "claims-db",
        "notice-service"
      ],
      "model": "model-m3",
      "vendor": "vendor-alpha",
      "policy_source": "policy-wording-2026",
      "data_source": "claims-intake"
    },
    "execution_state": "proposed"
  }
}