{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "B3RAVhZrxYYEo1H6oJBwtijcM2UwY0u989vCXCYbo0MOSiDvFXGbrDfQKk0GfGoTCm/zSoIJMlssm4H3yV52TghbnvAzxGFbj7lacj+wBB3mdCbqQ8lUJ16ZG2jFUWutME1o6ANQb4y5uxc9gmp9fDM1MZo2K+fKm0+tJYRuLKMP5MHB7JKTDjxSCNKLel+gTvvq3gMARdoQ1tJhIs7YSx1zhEjVGRiVorr3O5ffBqfLuxBaHzSir2ShYRCFdNTkDgst7Py4jC0yk6533JJo2BGhVyyB8YgJ5l8iyGu5z5kS1C9cxKSVZPgExjLu7WYeGZL11dEdzItx7JBvIMaTmg==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:0a3d8bc33a4d50ca92a1673b6b23e5bcb483ad80dc375dfba12094440fc0d32d",
    "output": {
      "capped_rate_pct": 6,
      "covered_months": 12,
      "effective_rate_pct": 6,
      "exceeds_cap": true,
      "excess_forgiven": true,
      "excess_rate_pct": 2,
      "interest_delta_forgiven": 200,
      "is_pre_service_obligation": true,
      "loan_balance": 10000,
      "original_rate_pct": 8,
      "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
      "regulatory_basis": "50 USC §3937 (SCRA); formerly Soldiers and Sailors Civil Relief Act 50 USC §527; DoD Financial Management Regulation 7000.14-R Vol 7A Chapter 40",
      "retroactive_credit": 200,
      "scra_note": "Per 50 USC §3937(a)(2), excess interest above 6% must be forgiven -- creditor may not collect deferred excess after active duty ends. This is not a deferral.",
      "servicemember_notified": true,
      "table_source": "50 USC §3937 (SCRA codified 2003, Pub. L. 108-189 Dec 19 2003); 50 USC §3937(a)(1) 6% annual rate cap; 50 USC §3937(a)(2) excess forgiven not deferred; 50 USC §3937(d) 180-day notice requirement",
      "table_version": "SCRA-50USC3937-2024",
      "total_interest_at_cap": 600,
      "total_interest_at_original_rate": 800
    }
  }
}