{
  "chain": "mortgage-compliance-preflight",
  "question": "Before this file is priced as a QM, do the points and fees clear the 2026 cap?",
  "look_at": "art-218-qm-points-and-fees.pass",
  "try_changing": {
    "step": "art-218-qm-points-and-fees",
    "field": "points_and_fees",
    "value": 15000
  }
}