{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "F6hyoLXi6kTLmJP4wYxN+iuZXJveZPUYjk6jtNqHCsUoZHt2HmCPxAqNl7jmDX4/jPTpJAyCLz4D12Josh/kbAQ0EaYT8UkWoXEN9/DM90jCYj9C2drHj45KQzNuZ82yHrE18IM6H0Z1YxjRj/VbIIwEy70d0ccrh8xVgW+n2GAaC5avwJmRhnc582feapzuqnwGu8wblQjC1rjj5ho3yi8wu3NuptYVigQovX+td6Ve5SjM8qPCQgS5LUqvEGjpBp4w8Xl/6rIwy8vWapy0d+G/O6qV/N1MeA5N1Lf1uyUgy3riycHNIwAsQAYXa0C/GHsb5J1r6q26P5trPL3J2Q==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:7752a4c0f60362741de571e3a2ec25b3797b26ca9da1f2d301742e230dc2a91e",
    "output": {
      "account_value_yr15": 1500,
      "account_value_yr20": 2000,
      "cumulative_net": 1900,
      "face_amount": 100000,
      "illustration_valid": true,
      "issues": [],
      "lapse_adjusted_av_yr20": 2000,
      "lapse_support_flag": false,
      "not_legal_advice": "Not legal or actuarial advice. Final illustration certification requires review and sign-off by a qualified actuary per ASOP 24 and applicable state regulations.",
      "pii_note": "ZERO PII: projected cash flows and policy mechanics only. No policyholder name, age, health classification, or personal data enters this kernel.",
      "policy_years_provided": 20,
      "regulatory_basis": "NAIC Model Regulation 582 §8C (self-support test at year 15 and year 20) and §8D (lapse-support prohibition); ASOP 24 (Actuarial Standard of Practice for Illustrations). Applicable to life insurance illustration requirements in all US states adopting Model 582.",
      "self_support_pass": true,
      "self_support_yr15_pass": true,
      "self_support_yr20_pass": true,
      "table_source": "NAIC Model Regulation 582 §8C Self-Support Test; §8D Lapse-Support Test; ASOP 24 (2014); NAIC Life Insurance Illustrations Model Regulation (2001 revision)",
      "table_version": "NAIC-MODEL-582-ILLUSTRATION-TESTS-V1.0-2025",
      "total_coi": 1000,
      "total_expenses": 400,
      "total_interest": 900,
      "total_premiums": 2400
    }
  }
}