{
  "answer_key_version": "nt-study-answer-key:v0",
  "study_id": "RECON-001",
  "record_time": "2026-09-24T12:00:00.000Z",
  "scoring": "Partial credit: each question scores facts named / facts in must_include (paraphrase allowed), from 0 to 1. A case scores 0-8. Scorers are blind to condition.",
  "questions": [
    "What action was taken or proposed, on what object?",
    "Under whose authority, and does that authority trace to someone other than the system itself?",
    "Which evidence was relied on, and was it about this claim?",
    "Was the evidence current when the decision took effect?",
    "Did review complete before the decision was committed?",
    "Which claimant routes (review, correction, appeal) remained available afterwards?",
    "Did the decision take effect before it was warranted?",
    "What would have had to change for the decision to be warranted?"
  ],
  "cases": [
    {
      "case_id": "INS-001",
      "receipt_ref": "ntr:sha256:706a4a9ddcd379ac08649704c9eaa0b1b6c02827eaf550178c8ec25c8738847c",
      "outcome": "EXECUTE",
      "answers": [
        {
          "question": 1,
          "text": "deny_claim on claim C-1001: open → denied.",
          "must_include": [
            "denial",
            "C-1001"
          ],
          "derived_from": [
            "action.type",
            "s_before",
            "s_proposed"
          ]
        },
        {
          "question": 2,
          "text": "claims-agent-7, under trust root claims-authority-root declared by insurer claims governance; independent of the proposer.",
          "must_include": [
            "claims-agent-7",
            "independent authority"
          ],
          "derived_from": [
            "authority",
            "authority.trust_root"
          ]
        },
        {
          "question": 3,
          "text": "mismatch_record, policy_wording, model_version. All bound to this claim.",
          "must_include": [
            "all evidence about this claim"
          ],
          "derived_from": [
            "binding.mismatch_record",
            "binding.policy_wording",
            "binding.model_version"
          ]
        },
        {
          "question": 4,
          "text": "Yes: all evidence was current at the decision's valid time.",
          "must_include": [
            "evidence current"
          ],
          "derived_from": [
            "time.mismatch_record",
            "time.policy_wording",
            "time.model_version"
          ]
        },
        {
          "question": 5,
          "text": "Yes: review ratio 0.5 (policy maximum 1).",
          "must_include": [
            "review completed first"
          ],
          "derived_from": [
            "policy.review_ratio",
            "timing"
          ]
        },
        {
          "question": 6,
          "text": "All of human_review, document_correction, appeal remained available.",
          "must_include": [
            "all routes open"
          ],
          "derived_from": [
            "invariant.claimant_routes",
            "recovery.routes_after"
          ]
        },
        {
          "question": 7,
          "text": "No: it had not taken effect when determined.",
          "must_include": [
            "not executed without warrant"
          ],
          "derived_from": [
            "execution_state",
            "outcome"
          ]
        },
        {
          "question": 8,
          "text": "Nothing: the decision was warranted.",
          "must_include": [
            "nothing"
          ],
          "derived_from": []
        }
      ]
    },
    {
      "case_id": "INS-002",
      "receipt_ref": "ntr:sha256:1801928fb34508bdf87a3ac9adb8f48570d40283f791d0ad9aaea5c83b18f0ee",
      "outcome": "HOLD",
      "answers": [
        {
          "question": 1,
          "text": "deny_claim on claim C-1002: open → denied.",
          "must_include": [
            "denial",
            "C-1002"
          ],
          "derived_from": [
            "action.type",
            "s_before",
            "s_proposed"
          ]
        },
        {
          "question": 2,
          "text": "claims-agent-7, under trust root claims-authority-root declared by insurer claims governance; independent of the proposer.",
          "must_include": [
            "claims-agent-7",
            "independent authority"
          ],
          "derived_from": [
            "authority",
            "authority.trust_root"
          ]
        },
        {
          "question": 3,
          "text": "mismatch_record, policy_wording, model_version. Not all about this claim: mismatch_record binds to INS-0002-OLD.",
          "must_include": [
            "mismatch_record is about another claim"
          ],
          "derived_from": [
            "binding.mismatch_record",
            "binding.policy_wording",
            "binding.model_version"
          ]
        },
        {
          "question": 4,
          "text": "No: policy_wording 101.1 days old; policy maximum 30.",
          "must_include": [
            "policy_wording out of date"
          ],
          "derived_from": [
            "time.mismatch_record",
            "time.policy_wording",
            "time.model_version"
          ]
        },
        {
          "question": 5,
          "text": "No: review ratio 432 (policy maximum 1); the denial was committed before review could finish.",
          "must_include": [
            "committed before review finished"
          ],
          "derived_from": [
            "policy.review_ratio",
            "timing"
          ]
        },
        {
          "question": 6,
          "text": "Only human_review; document_correction, appeal closed.",
          "must_include": [
            "document_correction closed",
            "appeal closed"
          ],
          "derived_from": [
            "invariant.claimant_routes",
            "recovery.routes_after"
          ]
        },
        {
          "question": 7,
          "text": "No: it had not taken effect when determined.",
          "must_include": [
            "not executed without warrant"
          ],
          "derived_from": [
            "execution_state",
            "outcome"
          ]
        },
        {
          "question": 8,
          "text": "Produce evidence bound to INS-002. Recapture within 30 days of valid time. Slow the commitment or complete review before it; the system currently commits before review can catch up. Reshape the action so fewer future states are closed off. Break or damp the feedback cycle before this crossing is repeated. Change the proposed state so the invariant holds within tolerance.",
          "must_include": [
            "mismatch_record bound to this claim",
            "current policy_wording",
            "review before commitment",
            "fewer options closed",
            "damped feedback loop",
            "correction and appeal kept open"
          ],
          "derived_from": [
            "binding.mismatch_record",
            "time.policy_wording",
            "policy.review_ratio",
            "policy.reachability",
            "policy.loop_gain",
            "invariant.claimant_routes"
          ]
        }
      ]
    },
    {
      "case_id": "INS-003",
      "receipt_ref": "ntr:sha256:d80aa1985fc540094412386db02943d8418b8a8533df8aea6f2c08fd4cedb723",
      "outcome": "HOLD",
      "answers": [
        {
          "question": 1,
          "text": "deny_claim on claim C-1003: open → denied.",
          "must_include": [
            "denial",
            "C-1003"
          ],
          "derived_from": [
            "action.type",
            "s_before",
            "s_proposed"
          ]
        },
        {
          "question": 2,
          "text": "claims-agent-9, under trust root claims-agent-9-self declared by claims-agent-9; not independent: the proposer authorised itself.",
          "must_include": [
            "claims-agent-9",
            "self-authorised"
          ],
          "derived_from": [
            "authority",
            "authority.trust_root"
          ]
        },
        {
          "question": 3,
          "text": "mismatch_record, policy_wording, model_version. All bound to this claim.",
          "must_include": [
            "all evidence about this claim"
          ],
          "derived_from": [
            "binding.mismatch_record",
            "binding.policy_wording",
            "binding.model_version"
          ]
        },
        {
          "question": 4,
          "text": "Yes: all evidence was current at the decision's valid time.",
          "must_include": [
            "evidence current"
          ],
          "derived_from": [
            "time.mismatch_record",
            "time.policy_wording",
            "time.model_version"
          ]
        },
        {
          "question": 5,
          "text": "Yes: review ratio 0.5 (policy maximum 1).",
          "must_include": [
            "review completed first"
          ],
          "derived_from": [
            "policy.review_ratio",
            "timing"
          ]
        },
        {
          "question": 6,
          "text": "All of human_review, document_correction, appeal remained available.",
          "must_include": [
            "all routes open"
          ],
          "derived_from": [
            "invariant.claimant_routes",
            "recovery.routes_after"
          ]
        },
        {
          "question": 7,
          "text": "Yes: the denial took effect while the crossing was held.",
          "must_include": [
            "executed while held"
          ],
          "derived_from": [
            "execution_state",
            "outcome"
          ]
        },
        {
          "question": 8,
          "text": "Obtain authorisation from a root the proposer does not control.",
          "must_include": [
            "independent authorisation"
          ],
          "derived_from": [
            "authority.trust_root"
          ]
        }
      ]
    }
  ]
}