{
  "chain": "mortgage-high-cost-and-hpml-screen",
  "question": "This refinance prices at 12.5 percent APR. Does it trip the HOEPA high-cost screen at this rate?",
  "look_at": "art-234-test-hoepa-high-cost.is_high_cost",
  "try_changing": {
    "step": "art-234-test-hoepa-high-cost",
    "field": "apr_pct",
    "value": 6
  }
}