{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "D0eNG8othTOO0vwjNgPBVx12ootNcnz2Ep09yqh3HD8IInrcatd5alWRxDFBOBcE2xKMo7rzTexO7o/cHgbUzw7BE9WcT8gKTXLxGzEZKoQWaq5EEGpykFIzad88xQB0K4+XyjsC2HLEn+4AcGY5ut+6EKK/vYlvsmCQ49seGmwssNV2bztPghB82wL1X9B6dshWmi+sXFpN+mwr4+0fKiVlkfa4x3evP/+Oc6JEd47/mkVh1befP86WudUJJJAgI2OCZWG1i3YbymhawtYkfLWTRoPx44OPFwmiqcsGl4ManG89bQuPKfNJA7rA6BiHOJjGqgypqH2eG3A8wAorwA==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:c43a019193d999e9f93930a4bf793f51192c11245151211f1c26f038629caef9",
    "output": {
      "advances": [
        {
          "amount": 6000,
          "periods_from_consummation": 0
        }
      ],
      "loan_amount": 6000,
      "note": "Odd-days fraction shifts periods_from_consummation for the first period per Appendix J unit-period convention; it does not change per-period interest/principal allocation. Feed advances/payments directly into compute_reg_z_appendix_j_apr (art-215) for an actuarial APR on this schedule.",
      "note_rate_pct": 12,
      "num_payments": 24,
      "odd_days": 0,
      "payment_amount": 282.44,
      "payments": [
        {
          "amount": 282.44,
          "periods_from_consummation": 1
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 2
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 3
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 4
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 5
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 6
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 7
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 8
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 9
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 10
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 11
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 12
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 13
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 14
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 15
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 16
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 17
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 18
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 19
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 20
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 21
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 22
        },
        {
          "amount": 282.44,
          "periods_from_consummation": 23
        },
        {
          "amount": 282.47,
          "periods_from_consummation": 24
        }
      ],
      "periods_per_year": 12,
      "regulatory_basis": "12 CFR 1026 Appendix J (Reg Z general actuarial equation, unit-period and odd-days conventions). Buydown modeling (temp_buydown) is a schedule-construction convenience, not an Appendix J concept.",
      "schedule": [
        {
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          "interest": 60,
          "payment_amount": 282.44,
          "period_index": 1,
          "periods_from_consummation": 1,
          "principal": 222.44
        },
        {
          "ending_balance": 5552.9,
          "interest": 57.78,
          "payment_amount": 282.44,
          "period_index": 2,
          "periods_from_consummation": 2,
          "principal": 224.66
        },
        {
          "ending_balance": 5325.99,
          "interest": 55.53,
          "payment_amount": 282.44,
          "period_index": 3,
          "periods_from_consummation": 3,
          "principal": 226.91
        },
        {
          "ending_balance": 5096.81,
          "interest": 53.26,
          "payment_amount": 282.44,
          "period_index": 4,
          "periods_from_consummation": 4,
          "principal": 229.18
        },
        {
          "ending_balance": 4865.34,
          "interest": 50.97,
          "payment_amount": 282.44,
          "period_index": 5,
          "periods_from_consummation": 5,
          "principal": 231.47
        },
        {
          "ending_balance": 4631.55,
          "interest": 48.65,
          "payment_amount": 282.44,
          "period_index": 6,
          "periods_from_consummation": 6,
          "principal": 233.79
        },
        {
          "ending_balance": 4395.43,
          "interest": 46.32,
          "payment_amount": 282.44,
          "period_index": 7,
          "periods_from_consummation": 7,
          "principal": 236.12
        },
        {
          "ending_balance": 4156.94,
          "interest": 43.95,
          "payment_amount": 282.44,
          "period_index": 8,
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          "principal": 238.49
        },
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          "interest": 41.57,
          "payment_amount": 282.44,
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          "principal": 240.87
        },
        {
          "ending_balance": 3672.79,
          "interest": 39.16,
          "payment_amount": 282.44,
          "period_index": 10,
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          "principal": 243.28
        },
        {
          "ending_balance": 3427.08,
          "interest": 36.73,
          "payment_amount": 282.44,
          "period_index": 11,
          "periods_from_consummation": 11,
          "principal": 245.71
        },
        {
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          "interest": 34.27,
          "payment_amount": 282.44,
          "period_index": 12,
          "periods_from_consummation": 12,
          "principal": 248.17
        },
        {
          "ending_balance": 2928.26,
          "interest": 31.79,
          "payment_amount": 282.44,
          "period_index": 13,
          "periods_from_consummation": 13,
          "principal": 250.65
        },
        {
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          "interest": 29.28,
          "payment_amount": 282.44,
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          "principal": 253.16
        },
        {
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          "interest": 26.75,
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          "principal": 255.69
        },
        {
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          "interest": 24.19,
          "payment_amount": 282.44,
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          "principal": 258.25
        },
        {
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          "principal": 260.83
        },
        {
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          "principal": 263.44
        },
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          "interest": 16.37,
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          "principal": 266.07
        },
        {
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          "interest": 13.71,
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          "principal": 268.73
        },
        {
          "ending_balance": 830.67,
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          "periods_from_consummation": 21,
          "principal": 271.42
        },
        {
          "ending_balance": 556.54,
          "interest": 8.31,
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          "period_index": 22,
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          "principal": 274.13
        },
        {
          "ending_balance": 279.67,
          "interest": 5.57,
          "payment_amount": 282.44,
          "period_index": 23,
          "periods_from_consummation": 23,
          "principal": 276.87
        },
        {
          "ending_balance": 0,
          "interest": 2.8,
          "payment_amount": 282.47,
          "period_index": 24,
          "periods_from_consummation": 24,
          "principal": 279.67
        }
      ],
      "schedule_type": "level_payment",
      "totals": {
        "ending_balance": 0,
        "num_payments": 24,
        "total_interest": 778.59,
        "total_principal": 6000
      },
      "unit_period_days": 30
    }
  }
}