{
  "tool_id": "art-686-ltc-funding-comparator",
  "tool_version": "1.0.0",
  "display_name": "LTC Funding Comparator",
  "mcp_name": "compute_ltc_funding_comparator",
  "mandate_type": "compliance_control",
  "wave": 117,
  "gpu": false,
  "url": "https://ainumbers.co/tools/686-ltc-funding-comparator.html",
  "description": "Computes the arithmetic of a declared long-term-care funding comparison over a declared horizon: simple sums of the declared self-fund annual set-aside and the declared traditional annual premium across the declared horizon years, alongside the declared hybrid lump premium, naming the option with the unique smallest total (CHEAPEST_IDENTIFIED) or reporting a tie with no unique cheapest (TIE_IDENTIFIED), with a full trace. Every input is a caller-declared synthetic value; no policy record, health datum, market feed, or clock is read. Rounding is 2dp half-up, declared in-kernel. Discounting at a declared rate and a sensitivity note are out of scope for v1. The kernel never recommends that a caller buy, avoid, or replace any long-term-care funding instrument; it is arithmetic over declarations, not advice.",
  "input_schema_ref": "tools/686-ltc-funding-comparator.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:c2eeb9ad5fe1d0a784bf15f6c3f8a66fbd786a954be75ceaa674755f85586727","valid_from":"2026-09-05"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-09-06"}],
  "export_capability": ["json"],
  "standards_basis": "not_applicable",
  "compute_proof": {"type":"ZkVmReceipt","system":"risc0","receiptFormat":"groth16-bn254","imageId":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","seal":"GLgjZGf2R2ByN+L7szqI+oEa8mLcvlur11t3XLnq0jAtvtRU1gM7OKcgQK5L5wy8JfwSiM7oonw3urqbELoPcxuLmHD0iBcCSEX/YRHQfQ46cyRmKyaoomauXCXdMXl8LtoEOPs0cC+udz0c6hvi0kgLvIzyOZSFv7LfYe6dNeornztyntQQ/R3RTlfycMN28aIvsK1brjlbGjmxPxQhdSqt/xGEEnT/gB+b4KdJA6XgBPoqEM/u67P9su1TByYcALBbzYdGWPfwdwgggmonay3mVGti17P4FoR8wK5ycGchdsDcdnz3//5JmHsZ9C+Ih7NRy56LNXOCky89pyMYyg==","journal":{"chaingraph_version":"0.4.0","kernel_digest":"sha256:c2eeb9ad5fe1d0a784bf15f6c3f8a66fbd786a954be75ceaa674755f85586727","output":{"cheapest":"traditional","hybrid_total":110000,"overall":"CHEAPEST_IDENTIFIED","self_fund_total":120000,"trace":"simple-sum method as declared: 4800*25=120000; 110000; 3200*25=80000","traditional_total":80000}}},
  "compute_proof_ready": "ready"
}