{
  "tool_id": "art-686-ltc-funding-comparator",
  "note": "Golden vectors authored by LTC-COMPARATOR-BUILD-1 per LTC-COMPARATOR-BUILD-SPEC.md. Vector 1 is the spec canonical preimage; its execution_hash pins d058dc0bd4d821eaf43bcaa40c46384d3cb0cb814b8cf7c6ab8b449c678d7375 (byte-exact parity target). Vector 2 is the alternate-cheapest path (self_fund named cheapest). Vector 3 is the opposite-verdict vector (TIE_IDENTIFIED -- no unique cheapest, cheapest null). Vector 4 is the fail-closed vector. All inputs are caller-declared and synthetic; no runtime clock anywhere. Rounding is 2dp half-up, declared in-kernel. human_sign_off: PENDING.",
  "vectors": [
    {
      "name": "spec-canonical-preimage (parity pin d058dc0b)",
      "policy_parameters": {
        "horizon_years": 25,
        "self_fund_annual": 4800,
        "hybrid_premium_total": 110000,
        "traditional_annual": 3200
      },
      "output_payload": {
        "self_fund_total": 120000,
        "hybrid_total": 110000,
        "traditional_total": 80000,
        "cheapest": "traditional",
        "trace": "simple-sum method as declared: 4800*25=120000; 110000; 3200*25=80000",
        "overall": "CHEAPEST_IDENTIFIED"
      },
      "golden_hash": "d058dc0bd4d821eaf43bcaa40c46384d3cb0cb814b8cf7c6ab8b449c678d7375"
    },
    {
      "name": "alternate cheapest path (self_fund wins)",
      "policy_parameters": {
        "horizon_years": 20,
        "self_fund_annual": 2000,
        "hybrid_premium_total": 90000,
        "traditional_annual": 3500
      },
      "output_payload": {
        "self_fund_total": 40000,
        "hybrid_total": 90000,
        "traditional_total": 70000,
        "cheapest": "self_fund",
        "trace": "simple-sum method as declared: 2000*20=40000; 90000; 3500*20=70000",
        "overall": "CHEAPEST_IDENTIFIED"
      },
      "golden_hash": "c06fb3c8e676eef275d50f4551f0add5eb5323ab7747aa95d02d536cdc8b69b1"
    },
    {
      "name": "opposite verdict path (three-way tie, no unique cheapest)",
      "policy_parameters": {
        "horizon_years": 10,
        "self_fund_annual": 1000,
        "hybrid_premium_total": 10000,
        "traditional_annual": 1000
      },
      "output_payload": {
        "self_fund_total": 10000,
        "hybrid_total": 10000,
        "traditional_total": 10000,
        "cheapest": null,
        "trace": "simple-sum method as declared: 1000*10=10000; 10000; 1000*10=10000; tie between self_fund and hybrid and traditional at 10000 -- no unique cheapest identified",
        "overall": "TIE_IDENTIFIED"
      },
      "golden_hash": "a1fe8b6a42d3e60657c1ae91a4f2514c764e5c5923e9acb6f02630fc81f80f64"
    },
    {
      "name": "fail-closed (zero horizon)",
      "policy_parameters": {
        "horizon_years": 0,
        "self_fund_annual": 4800,
        "hybrid_premium_total": 110000,
        "traditional_annual": 3200
      },
      "output_payload": {
        "self_fund_total": null,
        "hybrid_total": null,
        "traditional_total": null,
        "cheapest": null,
        "trace": "fail-closed: horizon_years must be an integer in [1, 100]; no LTC funding comparison performed -- correct the named inputs and resubmit. Long-term-care funding arithmetic over caller-declared synthetic inputs only: not insurance advice, not a policy recommendation, and not a suitability determination.",
        "overall": null,
        "domain_errors": [
          "INVALID_HORIZON"
        ]
      },
      "golden_hash": "a267c5af6263d606600300c518b6db692489b0d41b37335f4f88bc1a26b550b3"
    }
  ]
}