{
  "tool_id": "art-332-build-amortization-schedule",
  "note": "golden_hash filled by golden-parity.test.mjs --update. Vectors derived from 12 CFR 1026 Appendix J general actuarial equation and unit-period/odd-days conventions. appendix_j_* vectors are App J worked-example-style fixtures (level payment computed via the standard annuity formula, independently re-derivable by hand -- see each vector's description). arm_*/interest_only_*/balloon_*/temp_buydown_* vectors are hand-computed verification vectors per CALC-CORE-BAND-SPEC.md CC-A (App J does not itself define ARM/IO/balloon/buydown mechanics, only the actuarial PV method).",
  "vectors": [
    {
      "name": "appendix_j_24mo_12pct",
      "description": "Reg Z Appendix J general-actuarial-method worked example: $6,000 loan, 12% note rate, 24 monthly level payments, no odd days. Level payment $282.44 verified independently against the standard annuity-payment formula P*i*(1+i)^n/((1+i)^n-1) (12 CFR 1026 Appendix J).",
      "policy_parameters": {
        "schedule_type": "level_payment",
        "loan_amount": 6000,
        "note_rate_pct": 12,
        "num_payments": 24,
        "periods_per_year": 12
      },
      "output_payload": {
        "schedule_type": "level_payment",
        "loan_amount": 6000,
        "note_rate_pct": 12,
        "periods_per_year": 12,
        "num_payments": 24,
        "odd_days": 0,
        "unit_period_days": 30,
        "schedule": [
          {
            "period_index": 1,
            "periods_from_consummation": 1,
            "payment_amount": 282.44,
            "principal": 222.44,
            "interest": 60,
            "ending_balance": 5777.56
          },
          {
            "period_index": 2,
            "periods_from_consummation": 2,
            "payment_amount": 282.44,
            "principal": 224.66,
            "interest": 57.78,
            "ending_balance": 5552.9
          },
          {
            "period_index": 3,
            "periods_from_consummation": 3,
            "payment_amount": 282.44,
            "principal": 226.91,
            "interest": 55.53,
            "ending_balance": 5325.99
          },
          {
            "period_index": 4,
            "periods_from_consummation": 4,
            "payment_amount": 282.44,
            "principal": 229.18,
            "interest": 53.26,
            "ending_balance": 5096.81
          },
          {
            "period_index": 5,
            "periods_from_consummation": 5,
            "payment_amount": 282.44,
            "principal": 231.47,
            "interest": 50.97,
            "ending_balance": 4865.34
          },
          {
            "period_index": 6,
            "periods_from_consummation": 6,
            "payment_amount": 282.44,
            "principal": 233.79,
            "interest": 48.65,
            "ending_balance": 4631.55
          },
          {
            "period_index": 7,
            "periods_from_consummation": 7,
            "payment_amount": 282.44,
            "principal": 236.12,
            "interest": 46.32,
            "ending_balance": 4395.43
          },
          {
            "period_index": 8,
            "periods_from_consummation": 8,
            "payment_amount": 282.44,
            "principal": 238.49,
            "interest": 43.95,
            "ending_balance": 4156.94
          },
          {
            "period_index": 9,
            "periods_from_consummation": 9,
            "payment_amount": 282.44,
            "principal": 240.87,
            "interest": 41.57,
            "ending_balance": 3916.07
          },
          {
            "period_index": 10,
            "periods_from_consummation": 10,
            "payment_amount": 282.44,
            "principal": 243.28,
            "interest": 39.16,
            "ending_balance": 3672.79
          },
          {
            "period_index": 11,
            "periods_from_consummation": 11,
            "payment_amount": 282.44,
            "principal": 245.71,
            "interest": 36.73,
            "ending_balance": 3427.08
          },
          {
            "period_index": 12,
            "periods_from_consummation": 12,
            "payment_amount": 282.44,
            "principal": 248.17,
            "interest": 34.27,
            "ending_balance": 3178.91
          },
          {
            "period_index": 13,
            "periods_from_consummation": 13,
            "payment_amount": 282.44,
            "principal": 250.65,
            "interest": 31.79,
            "ending_balance": 2928.26
          },
          {
            "period_index": 14,
            "periods_from_consummation": 14,
            "payment_amount": 282.44,
            "principal": 253.16,
            "interest": 29.28,
            "ending_balance": 2675.1
          },
          {
            "period_index": 15,
            "periods_from_consummation": 15,
            "payment_amount": 282.44,
            "principal": 255.69,
            "interest": 26.75,
            "ending_balance": 2419.41
          },
          {
            "period_index": 16,
            "periods_from_consummation": 16,
            "payment_amount": 282.44,
            "principal": 258.25,
            "interest": 24.19,
            "ending_balance": 2161.16
          },
          {
            "period_index": 17,
            "periods_from_consummation": 17,
            "payment_amount": 282.44,
            "principal": 260.83,
            "interest": 21.61,
            "ending_balance": 1900.33
          },
          {
            "period_index": 18,
            "periods_from_consummation": 18,
            "payment_amount": 282.44,
            "principal": 263.44,
            "interest": 19,
            "ending_balance": 1636.89
          },
          {
            "period_index": 19,
            "periods_from_consummation": 19,
            "payment_amount": 282.44,
            "principal": 266.07,
            "interest": 16.37,
            "ending_balance": 1370.82
          },
          {
            "period_index": 20,
            "periods_from_consummation": 20,
            "payment_amount": 282.44,
            "principal": 268.73,
            "interest": 13.71,
            "ending_balance": 1102.09
          },
          {
            "period_index": 21,
            "periods_from_consummation": 21,
            "payment_amount": 282.44,
            "principal": 271.42,
            "interest": 11.02,
            "ending_balance": 830.67
          },
          {
            "period_index": 22,
            "periods_from_consummation": 22,
            "payment_amount": 282.44,
            "principal": 274.13,
            "interest": 8.31,
            "ending_balance": 556.54
          },
          {
            "period_index": 23,
            "periods_from_consummation": 23,
            "payment_amount": 282.44,
            "principal": 276.87,
            "interest": 5.57,
            "ending_balance": 279.67
          },
          {
            "period_index": 24,
            "periods_from_consummation": 24,
            "payment_amount": 282.47,
            "principal": 279.67,
            "interest": 2.8,
            "ending_balance": 0
          }
        ],
        "totals": {
          "total_interest": 778.59,
          "total_principal": 6000,
          "num_payments": 24,
          "ending_balance": 0
        },
        "advances": [
          {
            "amount": 6000,
            "periods_from_consummation": 0
          }
        ],
        "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
          }
        ],
        "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.",
        "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.",
        "payment_amount": 282.44,
        "schedule_digest": "sha256:40dd6820d83455d75836612912daa6670476a1320d0ffab1f2991c590b1eeee2"
      },
      "golden_hash": "8838c04be72fcff8b6d4d426d20f961d4a3fddafb50de45aa8729cac02759eb7"
    },
    {
      "name": "appendix_j_odd_days_15",
      "description": "Reg Z Appendix J unit-period + odd-days worked example: $200,000 loan, 6.5% note rate, 360 monthly level payments, 15 odd days on a 30-day unit period (odd_frac=0.5, shifting periods_from_consummation per Appendix J unit-period convention). Feeding this schedule advances/payments into compute_reg_z_appendix_j_apr (art-215) returns apr_pct == note_rate_pct exactly, by the actuarial-equation identity that the note rate IS the APR when the only finance charge is interest on the stated principal.",
      "policy_parameters": {
        "schedule_type": "level_payment",
        "loan_amount": 200000,
        "note_rate_pct": 6.5,
        "num_payments": 360,
        "periods_per_year": 12,
        "odd_days": 15,
        "unit_period_days": 30
      },
      "output_payload": {
        "schedule_type": "level_payment",
        "loan_amount": 200000,
        "note_rate_pct": 6.5,
        "periods_per_year": 12,
        "num_payments": 360,
        "odd_days": 15,
        "unit_period_days": 30,
        "schedule": [
          {
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            "periods_from_consummation": 1.5,
            "payment_amount": 1264.14,
            "principal": 180.81,
            "interest": 1083.33,
            "ending_balance": 199819.19
          },
          {
            "period_index": 2,
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            "payment_amount": 1264.14,
            "principal": 181.79,
            "interest": 1082.35,
            "ending_balance": 199637.4
          },
          {
            "period_index": 3,
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            "payment_amount": 1264.14,
            "principal": 182.77,
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            "ending_balance": 199454.63
          },
          {
            "period_index": 4,
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            "payment_amount": 1264.14,
            "principal": 183.76,
            "interest": 1080.38,
            "ending_balance": 199270.87
          },
          {
            "period_index": 5,
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            "payment_amount": 1264.14,
            "principal": 184.76,
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            "ending_balance": 199086.11
          },
          {
            "period_index": 6,
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            "payment_amount": 1264.14,
            "principal": 185.76,
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          },
          {
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            "payment_amount": 1264.14,
            "principal": 186.76,
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          },
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            "payment_amount": 1264.14,
            "principal": 187.77,
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            "ending_balance": 198525.82
          },
          {
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            "payment_amount": 1264.14,
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          },
          {
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            "payment_amount": 1264.14,
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          },
          {
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            "payment_amount": 1264.14,
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          {
            "period_index": 12,
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            "payment_amount": 1264.14,
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          {
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            "payment_amount": 1264.14,
            "principal": 192.92,
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          },
          {
            "period_index": 14,
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            "payment_amount": 1264.14,
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          },
          {
            "period_index": 15,
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            "payment_amount": 1264.14,
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          },
          {
            "period_index": 48,
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          },
          {
            "period_index": 49,
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          },
          {
            "period_index": 50,
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            "payment_amount": 1264.14,
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          },
          {
            "period_index": 51,
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            "payment_amount": 1264.14,
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          },
          {
            "period_index": 52,
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          },
          {
            "period_index": 53,
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          },
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        ],
        "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.",
        "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.",
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    {
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        "loan_amount": 300000,
        "note_rate_pct": 5,
        "num_payments": 60,
        "periods_per_year": 12,
        "margin_pct": 2.75,
        "periodic_cap_pct": 2,
        "lifetime_cap_pct": 5,
        "lifetime_floor_pct": -5,
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            "period_index": 37,
            "index_value_pct": 4.5
          },
          {
            "period_index": 49,
            "index_value_pct": 6
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        ]
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        "note_rate_pct": 5,
        "periods_per_year": 12,
        "num_payments": 60,
        "odd_days": 0,
        "unit_period_days": 30,
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          {
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          {
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          {
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          {
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          {
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          {
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        ],
        "totals": {
          "total_interest": 43121.37,
          "total_principal": 300000,
          "num_payments": 60,
          "ending_balance": 0
        },
        "advances": [
          {
            "amount": 300000,
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        ],
        "payments": [
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          {
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          },
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          },
          {
            "amount": 5661.37,
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          },
          {
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          },
          {
            "amount": 5661.37,
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          },
          {
            "amount": 5661.37,
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          },
          {
            "amount": 5661.37,
            "periods_from_consummation": 36
          },
          {
            "amount": 5777.67,
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          },
          {
            "amount": 5777.67,
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          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 39
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 40
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 41
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 42
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 43
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 44
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 45
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 46
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 47
          },
          {
            "amount": 5777.67,
            "periods_from_consummation": 48
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 49
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 50
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 51
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 52
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 53
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 54
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 55
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 56
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 57
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 58
          },
          {
            "amount": 5831.67,
            "periods_from_consummation": 59
          },
          {
            "amount": 5831.64,
            "periods_from_consummation": 60
          }
        ],
        "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.",
        "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.",
        "recast": true,
        "rate_reset_log": [
          {
            "period_index": 37,
            "index_value_pct": 4.5,
            "margin_pct": 2.75,
            "uncapped_rate_pct": 7.25,
            "effective_rate_pct": 7
          },
          {
            "period_index": 49,
            "index_value_pct": 6,
            "margin_pct": 2.75,
            "uncapped_rate_pct": 8.75,
            "effective_rate_pct": 8.75
          }
        ],
        "initial_rate_pct": 5,
        "schedule_digest": "sha256:9140f93724318bc033f779350669ba8afcdda7027cf2dc1cc970345f4bd169e1"
      },
      "golden_hash": "d567535f7333d865d04a372524b79c779c17f8b58afc8922ec7b635e140c5ce7"
    },
    {
      "name": "interest_only_12mo_io",
      "description": "Hand-derived interest-only verification vector: $100,000 loan, 6% note rate, 24-period term, 12 IO periods. IO payment verified independently as loan_amount*periodic_rate = 100000*0.005 = $500.00 exactly. Amortizing-phase payment (periods 13-24) verified independently via the standard annuity formula over the remaining 12 periods at 0.5%/period: $8,606.64 (App J actuarial method applied to the amortizing sub-schedule).",
      "policy_parameters": {
        "schedule_type": "interest_only",
        "loan_amount": 100000,
        "note_rate_pct": 6,
        "num_payments": 24,
        "periods_per_year": 12,
        "io_periods": 12
      },
      "output_payload": {
        "schedule_type": "interest_only",
        "loan_amount": 100000,
        "note_rate_pct": 6,
        "periods_per_year": 12,
        "num_payments": 24,
        "odd_days": 0,
        "unit_period_days": 30,
        "schedule": [
          {
            "period_index": 1,
            "periods_from_consummation": 1,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 2,
            "periods_from_consummation": 2,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 3,
            "periods_from_consummation": 3,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 4,
            "periods_from_consummation": 4,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 5,
            "periods_from_consummation": 5,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 6,
            "periods_from_consummation": 6,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 7,
            "periods_from_consummation": 7,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 8,
            "periods_from_consummation": 8,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 9,
            "periods_from_consummation": 9,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 10,
            "periods_from_consummation": 10,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 11,
            "periods_from_consummation": 11,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 12,
            "periods_from_consummation": 12,
            "payment_amount": 500,
            "principal": 0,
            "interest": 500,
            "ending_balance": 100000
          },
          {
            "period_index": 13,
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            "payment_amount": 8606.64,
            "principal": 8106.64,
            "interest": 500,
            "ending_balance": 91893.36
          },
          {
            "period_index": 14,
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            "payment_amount": 8606.64,
            "principal": 8147.17,
            "interest": 459.47,
            "ending_balance": 83746.19
          },
          {
            "period_index": 15,
            "periods_from_consummation": 15,
            "payment_amount": 8606.64,
            "principal": 8187.91,
            "interest": 418.73,
            "ending_balance": 75558.28
          },
          {
            "period_index": 16,
            "periods_from_consummation": 16,
            "payment_amount": 8606.64,
            "principal": 8228.85,
            "interest": 377.79,
            "ending_balance": 67329.43
          },
          {
            "period_index": 17,
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            "payment_amount": 8606.64,
            "principal": 8269.99,
            "interest": 336.65,
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          },
          {
            "period_index": 18,
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            "payment_amount": 8606.64,
            "principal": 8311.34,
            "interest": 295.3,
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          },
          {
            "period_index": 19,
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            "payment_amount": 8606.64,
            "principal": 8352.9,
            "interest": 253.74,
            "ending_balance": 42395.2
          },
          {
            "period_index": 20,
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            "payment_amount": 8606.64,
            "principal": 8394.66,
            "interest": 211.98,
            "ending_balance": 34000.54
          },
          {
            "period_index": 21,
            "periods_from_consummation": 21,
            "payment_amount": 8606.64,
            "principal": 8436.64,
            "interest": 170,
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          },
          {
            "period_index": 22,
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            "payment_amount": 8606.64,
            "principal": 8478.82,
            "interest": 127.82,
            "ending_balance": 17085.08
          },
          {
            "period_index": 23,
            "periods_from_consummation": 23,
            "payment_amount": 8606.64,
            "principal": 8521.21,
            "interest": 85.43,
            "ending_balance": 8563.87
          },
          {
            "period_index": 24,
            "periods_from_consummation": 24,
            "payment_amount": 8606.69,
            "principal": 8563.87,
            "interest": 42.82,
            "ending_balance": 0
          }
        ],
        "totals": {
          "total_interest": 9279.73,
          "total_principal": 100000,
          "num_payments": 24,
          "ending_balance": 0
        },
        "advances": [
          {
            "amount": 100000,
            "periods_from_consummation": 0
          }
        ],
        "payments": [
          {
            "amount": 500,
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          {
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          },
          {
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          },
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          {
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          },
          {
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          },
          {
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          },
          {
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          },
          {
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          },
          {
            "amount": 8606.64,
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          },
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          },
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          },
          {
            "amount": 8606.64,
            "periods_from_consummation": 21
          },
          {
            "amount": 8606.64,
            "periods_from_consummation": 22
          },
          {
            "amount": 8606.64,
            "periods_from_consummation": 23
          },
          {
            "amount": 8606.69,
            "periods_from_consummation": 24
          }
        ],
        "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.",
        "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.",
        "io_periods": 12,
        "amortizing_periods": 12,
        "amortizing_payment_amount": 8606.64,
        "schedule_digest": "sha256:ff1da47a15b0d21f125216d4edca184cb56f67cdf347f516da381c56d7b1f51d"
      },
      "golden_hash": "eb42cbf9db7b2b390b30f57f30323216190744453d09883ea6c39dd7877f5e50"
    },
    {
      "name": "balloon_7yr_30yr_amort",
      "description": "Hand-derived balloon verification vector: $200,000 loan, 6% note rate, payment computed on a 360-period (30-year) nominal amortization ($1,199.10, verified independently via the standard annuity formula) but the term ends at period 84 (7 years); the remaining balance at period 84 ($179,278.87) becomes the balloon lump-sum added to the final regular payment. total_principal == loan_amount exactly (the regular amortization plus the balloon lump together retire the full principal).",
      "policy_parameters": {
        "schedule_type": "balloon",
        "loan_amount": 200000,
        "note_rate_pct": 6,
        "num_payments": 84,
        "periods_per_year": 12,
        "nominal_amortization_periods": 360
      },
      "output_payload": {
        "schedule_type": "balloon",
        "loan_amount": 200000,
        "note_rate_pct": 6,
        "periods_per_year": 12,
        "num_payments": 84,
        "odd_days": 0,
        "unit_period_days": 30,
        "schedule": [
          {
            "period_index": 1,
            "periods_from_consummation": 1,
            "payment_amount": 1199.1,
            "principal": 199.1,
            "interest": 1000,
            "ending_balance": 199800.9
          },
          {
            "period_index": 2,
            "periods_from_consummation": 2,
            "payment_amount": 1199.1,
            "principal": 200.1,
            "interest": 999,
            "ending_balance": 199600.8
          },
          {
            "period_index": 3,
            "periods_from_consummation": 3,
            "payment_amount": 1199.1,
            "principal": 201.1,
            "interest": 998,
            "ending_balance": 199399.7
          },
          {
            "period_index": 4,
            "periods_from_consummation": 4,
            "payment_amount": 1199.1,
            "principal": 202.1,
            "interest": 997,
            "ending_balance": 199197.6
          },
          {
            "period_index": 5,
            "periods_from_consummation": 5,
            "payment_amount": 1199.1,
            "principal": 203.11,
            "interest": 995.99,
            "ending_balance": 198994.49
          },
          {
            "period_index": 6,
            "periods_from_consummation": 6,
            "payment_amount": 1199.1,
            "principal": 204.13,
            "interest": 994.97,
            "ending_balance": 198790.36
          },
          {
            "period_index": 7,
            "periods_from_consummation": 7,
            "payment_amount": 1199.1,
            "principal": 205.15,
            "interest": 993.95,
            "ending_balance": 198585.21
          },
          {
            "period_index": 8,
            "periods_from_consummation": 8,
            "payment_amount": 1199.1,
            "principal": 206.17,
            "interest": 992.93,
            "ending_balance": 198379.04
          },
          {
            "period_index": 9,
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            "payment_amount": 1199.1,
            "principal": 207.2,
            "interest": 991.9,
            "ending_balance": 198171.84
          },
          {
            "period_index": 10,
            "periods_from_consummation": 10,
            "payment_amount": 1199.1,
            "principal": 208.24,
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          },
          {
            "period_index": 11,
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            "payment_amount": 1199.1,
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          },
          {
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            "payment_amount": 1199.1,
            "principal": 210.33,
            "interest": 988.77,
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          },
          {
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            "payment_amount": 1199.1,
            "principal": 211.38,
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          },
          {
            "period_index": 14,
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            "payment_amount": 1199.1,
            "principal": 212.44,
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          },
          {
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            "payment_amount": 1199.1,
            "principal": 213.5,
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          },
          {
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            "payment_amount": 1199.1,
            "principal": 214.57,
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          },
          {
            "period_index": 17,
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          },
          {
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            "payment_amount": 1199.1,
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          },
          {
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            "payment_amount": 1199.1,
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          },
          {
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          },
          {
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            "payment_amount": 1199.1,
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          {
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            "payment_amount": 1199.1,
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          },
          {
            "period_index": 23,
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            "payment_amount": 1199.1,
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          {
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            "payment_amount": 1199.1,
            "principal": 223.3,
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          {
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          },
          {
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            "payment_amount": 1199.1,
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          },
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          },
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            "payment_amount": 1199.1,
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          },
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          },
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            "payment_amount": 1199.1,
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          },
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          {
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          {
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            "payment_amount": 1199.1,
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          },
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            "payment_amount": 1199.1,
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          },
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          },
          {
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          },
          {
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            "payment_amount": 1199.1,
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          },
          {
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          {
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            "payment_amount": 1199.1,
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          {
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          {
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        ],
        "totals": {
          "total_interest": 80003.27,
          "total_principal": 200000,
          "num_payments": 84,
          "ending_balance": 0
        },
        "advances": [
          {
            "amount": 200000,
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        ],
        "payments": [
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          {
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          {
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          {
            "amount": 1199.1,
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          {
            "amount": 1199.1,
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          {
            "amount": 1199.1,
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          {
            "amount": 1199.1,
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          {
            "amount": 1199.1,
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          },
          {
            "amount": 180477.97,
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          }
        ],
        "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.",
        "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.",
        "nominal_amortization_periods": 360,
        "regular_payment_amount": 1199.1,
        "balloon_payment_amount": 179278.87,
        "schedule_digest": "sha256:010d542b814582715908d27284c0d176daa58f5381d56ac6aa4614e90613acb5"
      },
      "golden_hash": "a125e314fcad2c15313c985cfc3d016c73fb7cf7a35f89718aaa437ae159e03f"
    },
    {
      "name": "temp_buydown_2_1",
      "description": "Hand-derived 2-1 temporary buydown verification vector: $200,000 loan, 7% note rate, 360 periods. The loan amortizes on the FULL note-rate level-payment schedule (schedule[]/advances/payments below; note_payment_amount $1,330.60, matching a plain level_payment vector at 7%/360mo). buydown_subsidy_schedule reports the borrower-vs-subsidy split: year 1 the borrower pays the level-payment amount computed at (7-2)=5% amortized over the same 360-period term ($1,073.64 -- a standard buydown-payment-table figure, verified independently), subsidy covers the $256.96 difference each period; year 2 borrower pays the 6% payment-table figure ($1,199.10, exactly the balloon fixture's note-rate-minus-1pt reference figure), subsidy covers $131.50; year 3 onward the reduction is 0 and the borrower pays the full note payment. 12 CFR 1026 Appendix J does not define buydown mechanics -- this subsidy-schedule construction is a documented AINumbers modeling convention layered on top of App J amortization, not itself an Appendix J concept (see the code comment above buildBuydownReductions() in the kernel).",
      "policy_parameters": {
        "schedule_type": "temp_buydown",
        "loan_amount": 200000,
        "note_rate_pct": 7,
        "num_payments": 360,
        "periods_per_year": 12,
        "buydown_type": "2-1"
      },
      "output_payload": {
        "schedule_type": "temp_buydown",
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        "note_rate_pct": 7,
        "periods_per_year": 12,
        "num_payments": 360,
        "odd_days": 0,
        "unit_period_days": 30,
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        "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.",
        "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.",
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