{
  "chain": "card-act-ability-to-pay",
  "question": "An applicant under 21 applied with no income and no cosigner. What must change before we open the account?",
  "look_at": "art-233-check-card-act-ability-to-pay.requires_cosigner",
  "try_changing": {
    "step": "art-233-check-card-act-ability-to-pay",
    "field": "has_cosigner",
    "value": true
  }
}