{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "A4PNXnPJlc5mxHOq1PX7BCXUB8TwXL1sja/IaLdwTSwd3OO5V2OuGZFeaDmqPIsMivSRwOehr0T59wRPzQPOFw/6BwJul+TlOpd66bc3+iKGIL7+YFK9DA8arSw0FdO8CCN2wl/ZXXCU1SIZ2D5aeGwTCiXmHyMtoJAuwEIHsJMDbKKnkxiU4kLwMmDt+sVOcie4BwO9RLnFjVPX3x3LCi3ZD1aTVWj/TQlYyfzX9HjvR2036Hqnk0d3QIsG3DT4KZZQci0AoC0KY9hJL2axaH4dAQNUCxCYpHKx168esJoaaZUKfSEkxVY9LlxTJfUnCXsdG9mztCJYcz7OdZIn0Q==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:9be448c7f2f02ca2d2b223550734fe431b0dacf6d93db36ccae0cb6963e83cb3",
    "output": {
      "cure_amount": 0,
      "cure_required": false,
      "fee_analysis": [
        {
          "bucket": "zero_tolerance",
          "cd_amount": 1500,
          "increase": 0,
          "le_amount": 1500,
          "name": "origination_fee",
          "status": "ok",
          "violation": false
        },
        {
          "bucket": "ten_pct_cumulative",
          "cd_amount": 640,
          "increase": 40,
          "le_amount": 600,
          "name": "appraisal",
          "status": "in_ten_pct_bucket",
          "violation": false
        },
        {
          "bucket": "ten_pct_cumulative",
          "cd_amount": 1250,
          "increase": 50,
          "le_amount": 1200,
          "name": "title_service",
          "status": "in_ten_pct_bucket",
          "violation": false
        },
        {
          "bucket": "no_tolerance_limit",
          "cd_amount": 1100,
          "increase": 200,
          "le_amount": 900,
          "name": "hazard_insurance",
          "status": "no_limit",
          "violation": false
        }
      ],
      "note": "Changed-circumstance fees are excluded from comparison. Bucket assignment is the caller's responsibility per regulatory classification rules.",
      "regulatory_basis": "Reg Z §1026.19(e)(3), TRID fee tolerance rules (Loan Estimate to Closing Disclosure)",
      "ten_pct_bucket_increase": 90,
      "ten_pct_bucket_le_sum": 1800,
      "ten_pct_excess": 0,
      "ten_pct_threshold": 180,
      "ten_pct_violation": false,
      "total_violations": 0,
      "violations": [],
      "zero_tolerance_violations": 0
    }
  }
}