{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "G5sdbSeQs4p8i0XGI87ca/Hn/D9QM+4j3z/K5Y2ymUIFtX3caRhSpBpq1HrGzTNvuAwoNSq8xiQZXKc0tUnq+SBksIQWtYYteyFmHNCgHhyvpZma0t66uzmK9NhSMH1XKDCwOEdIIPgvlcWRQ0Qq6Rb0boYj72Z4JV1PNN/2pTcmDrIGu6TXkH/0s5y/rWDu7kIybcwwtmXjOi9Wdm2BUAC5s6drxd+zgwTgG4fbsZh3VTHi9XmSJf7kmAA30xqNH6H0FkbaT44dTkj2KI58zIjOXG3Rm1KW9ynBqNs4/Nkjg18qpanq3FtCLLMEl65SvyMmOBclWnSeZ6WBm7aZpQ==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:d86f9301b3835cd8d80c1ed5bfa8cc607bbeb1876e91b2482c16eb64316db228",
    "output": {
      "ability_to_pay_result": "REQUIRES_COSIGNER_UNDER_21",
      "annual_income": 0,
      "annual_minimum_payments_est": 240,
      "dti_ratio": 999,
      "dti_threshold": 0.45,
      "has_cosigner": false,
      "income_and_assets": 0,
      "method_a_sufficient": false,
      "method_b_sufficient": false,
      "method_used": "income_assets",
      "monthly_debt_obligations": 0,
      "monthly_housing_payment": 0,
      "monthly_income": 0,
      "monthly_minimum_payment_est": 20,
      "penalty_fee_safe_harbor": {
        "first_violation": 32,
        "rule_note": "CFPB $8 late-fee rule vacated Jan 2025; safe harbor reverts to 2024 CFPB CPI index values per 12 CFR §1026.52(b)(1)(ii)",
        "subsequent_within_6_cycles": 43,
        "table_version": "2024-01-01"
      },
      "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
      "regulatory_basis": "15 USC §1665e (CARD Act §109); 12 CFR §1026.51 (ability to pay); 12 CFR §1026.51(a)(2) (under-21); 12 CFR §1026.52(b) (penalty fee safe harbor)",
      "requested_credit_limit": 1000,
      "requires_cosigner": true,
      "table_source": "CARD Act of 2009 Pub. L. 111-24 §109; 12 CFR §1026.51 (effective Aug 22 2010); 12 CFR §1026.52(b)(1)(ii)(A) $32 first-violation safe harbor (2024); 12 CFR §1026.52(b)(1)(ii)(B) $43 subsequent safe harbor (2024); CFPB CPI adjustment 2024-01-01",
      "table_version": "CARD-ACT-REG-Z-1026-51-52-2024",
      "total_assets": 0,
      "total_monthly_obligations": 20,
      "under_21_restriction": true
    }
  }
}