{
  "example_version": "nt-example:v0",
  "title": "Denial warranted when made; a model withdrawal learned later defeats it",
  "synthetic": true,
  "expected": {
    "outcome": "HOLD",
    "reason_codes": [
      "EXPIRED"
    ]
  },
  "development": [
    {
      "label": "Original determination, before the denial took effect",
      "record_time": "2026-09-10T11:30:00Z",
      "outcome": "EXECUTE",
      "reason_codes": []
    },
    {
      "label": "Re-adjudication after the model registry published a withdrawal dated 5 September",
      "record_time": "2026-09-20T09:00:00Z",
      "outcome": "HOLD",
      "reason_codes": [
        "EXPIRED"
      ]
    }
  ],
  "proposal": {
    "proposal_version": "nt-proposal:v0",
    "proposal_id": "INS-005",
    "class_id": "insurance.claim-auto-denial",
    "class_version": "0.1.0",
    "domain": "insurance claims",
    "s_before": {
      "claim_id": "C-1005",
      "status": "open",
      "open_mismatches": 3
    },
    "action": {
      "type": "deny_claim",
      "purpose": "Close a claim whose documents contradict the loss description",
      "effects": [
        {
          "target": "claims-db",
          "description": "status open → denied"
        },
        {
          "target": "notice-service",
          "description": "send denial notice with appeal instructions"
        }
      ]
    },
    "s_proposed": {
      "claim_id": "C-1005",
      "status": "denied",
      "notices": [
        "denial_with_appeal"
      ]
    },
    "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": "852d72a453c8a0ecd2a3dfee27509e4beb37a0b3e8fe383865f4bf0692d9e64f",
        "captured_at": "2026-09-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-005",
        "tier": "E2"
      },
      {
        "id": "E2",
        "subject": "policy_wording",
        "source": "insurer document system",
        "sha256": "ae09468b28b3ad3a2c8901538f2f5ea756d58581b04bd8b54f98bf183d2de6eb",
        "captured_at": "2026-09-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-005",
        "tier": "E4"
      },
      {
        "id": "E3",
        "subject": "model_version",
        "source": "model registry",
        "sha256": "73a87d0f2ee05c9150560cab3b1cdb927bf39465439c79a109ab8e30a9a13749",
        "captured_at": "2026-09-01T09:00:00Z",
        "valid_until": null,
        "binds_to": "INS-005",
        "tier": "E2",
        "available_at": "2026-09-01T09:00:00Z"
      },
      {
        "id": "E3b",
        "subject": "model_version",
        "source": "model registry withdrawal notice",
        "sha256": "73a87d0f2ee05c9150560cab3b1cdb927bf39465439c79a109ab8e30a9a13749",
        "captured_at": "2026-09-18T09:00:00Z",
        "valid_until": "2026-09-05T00:00:00Z",
        "binds_to": "INS-005",
        "tier": "E4",
        "available_at": "2026-09-18T09:00:00Z"
      }
    ],
    "timing": {
      "review_seconds": 1800,
      "commit_seconds": 3600
    },
    "recovery": {
      "inverse_action": "reopen_claim",
      "routes_after": [
        "human_review",
        "document_correction",
        "appeal"
      ]
    },
    "reachability": {
      "horizon": "90 days",
      "before": 12,
      "after": 9
    },
    "feedback": {
      "cycle": "denials → training labels → model",
      "loop_gain": 0.4
    },
    "dependencies": {
      "declared": [
        "claims-db",
        "notice-service"
      ],
      "model": "model-m3",
      "vendor": "vendor-alpha",
      "policy_source": "policy-wording-2026",
      "data_source": "claims-intake"
    },
    "execution_state": "executed",
    "executed_at": "2026-09-10T12:00:05Z"
  }
}