{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "I+1rEq+XKa03HQa/na/iNRoqWJe8wWFsR8i+w33dG+AfFaUms3mE1wWvYIp2HC5ESdwXtYcX+wTkhomctntmNgONSCQur5muTtqjoUBvnylEVnOTDiBqoDdnD0OGZuJiGGEEmZ3DwNFOM7FzKwk43PZ09Y0/TdjBUcvINJZK/B0vG7evVYZJLpaIaH01QYpe/QCh30MbeTbN6zN5g1gPliZDOsNcWeec0+Jysdwne4KaVjjPGKQQmK7fJ0zteocmD2xK/iUx+4bFvEopY7ho+HGOo+Ch5DgIyoX16kTOi2sGRMTPNjYv36m6zUuZEWZd6hgqKuRYdf/esKy1L/eE4A==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:701d442f76691b38e5ab0fce5525b2d882260a259477651757e4f1cf0c4f9638",
    "output": {
      "anchor_instruction": "Anchor the execution_hash at anchor.ainumbers.co/mcp using anchor_hash. The RFC 3161 timestamp IS the annual attestation evidence. One anchor per year, before November 30.",
      "attestation_deadline": "December 1 each year (Colorado SB 21-169 / Reg. 10-1-1)",
      "attestation_year": 2026,
      "bias_detected": true,
      "do_now": [
        "Approval-rate bias detected (p < 0.05 AND marginal effect >= 5pp). Document remediation plan per Colorado Reg. 10-1-1 §[6].",
        "Review and update BIFSG proxy variable handling in model pipeline.",
        "Notify Colorado Division of Insurance of material bias finding per SB 21-169 §3.",
        "Anchor this test result at anchor.ainumbers.co/mcp (anchor_hash) before December 1 to constitute annual attestation evidence."
      ],
      "marginal_effect_flag": true,
      "marginal_effect_pct": 7.3,
      "marginal_effect_threshold_pp": 5,
      "model_type": "underwriting",
      "p_value": 0.02,
      "p_value_significant": true,
      "p_value_threshold": 0.05,
      "pii_note": "Inputs are AGGREGATE regression outputs only (p-value, marginal effect %, premium delta). No individual applicant data, proxy scores, demographic identifiers, or personal information enters this kernel. Zero PII by construction.",
      "premium_flag": false,
      "premium_per_1000_above_avg_pct": 0,
      "premium_threshold_pct": 5,
      "regulatory_basis": "Colorado SB 21-169 (signed 2021-07-06); Colorado Reg. 10-1-1 (effective 2023-11-14, Colorado Division of Insurance, Market Regulation Branch)",
      "remediation_required": true,
      "table_source": "Colorado SB 21-169 §3; Colorado Code of Regulations Title 3, Article 4, Part 10-1-1 (effective 2023-11-14)",
      "table_version": "CO-SB21169-REG10-1-1-2023",
      "test_context": "approval_rate",
      "test_result": "BIAS_DETECTED_REMEDIATION_REQUIRED"
    }
  }
}