{
  "tool_id": "art-414-compute-rbc-action-level-private",
  "note": "OCG Standard §25 ocg-private-input@1. policy_parameters carries ONLY the sha256-salted@1 commitment to the private RBC capital components -- never total_adjusted_capital or authorized_control_level themselves. Disclosure material lives OUT-OF-BAND in art-414-compute-rbc-action-level-private.disclosure.json (test-only). Vector 1: NO_ACTION tier (300% ACL). Vector 2: COMPANY_ACTION tier (180% ACL).",
  "vectors": [
    {
      "name": "no_action_300pct_acl",
      "description": "Private TAC $300M, ACL $100M (disclosed out-of-band). RBC ratio 300% -- NO_ACTION tier.",
      "policy_parameters": {
        "rbc_components_commitment": "sha256:fe7f70f83601fc2bf2853d3eefca84f6602422fc68a4cbbb8199796a69e6ed09",
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "table_source": "NAIC RBC Instructions (2024 edition): Life RBC (LR023), P&C RBC (Exhibit 1), Health RBC (HR-1). NAIC Model Laws: Life Insurance RBC Model Law #312 (life), #315 (P&C), #315H (health).",
        "insurer_type": "pc"
      },
      "output_payload": {
        "action_level_code": "NO_ACTION",
        "action_level_label": "No Action Level",
        "action_level_description": "Above 200% ACL — no NAIC regulatory action required.",
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "regulatory_basis": "NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Verdict proves the committed capital figures map to this action-level tier — the underlying dollar amounts are never disclosed (OCG Standard §25 ocg-private-input@1).",
        "pii_note": "ZERO PII disclosed: total adjusted capital and authorized control level are a private witness, never present in policy_parameters or output_payload. Only the action-level tier is public.",
        "not_legal_advice": "Not legal or actuarial advice. RBC action level determinations require review by a qualified actuary and the applicable state insurance department."
      },
      "golden_hash": "91524322f59a48e669aa98db91449741deb5eddf0b94b34609ec9a2ffcfc631e"
    },
    {
      "name": "company_action_180pct_acl",
      "description": "Private TAC $180M, ACL $100M (disclosed out-of-band). RBC ratio 180% -- COMPANY_ACTION tier.",
      "policy_parameters": {
        "rbc_components_commitment": "sha256:641eee828a822972187a29323af44acfbc286a945cb24b487214b7bb78fe37e0",
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "table_source": "NAIC RBC Instructions (2024 edition): Life RBC (LR023), P&C RBC (Exhibit 1), Health RBC (HR-1). NAIC Model Laws: Life Insurance RBC Model Law #312 (life), #315 (P&C), #315H (health).",
        "insurer_type": "pc"
      },
      "output_payload": {
        "action_level_code": "COMPANY_ACTION",
        "action_level_label": "Company Action Level",
        "action_level_description": "Company must file RBC plan with comprehensive corrective strategy.",
        "table_version": "NAIC-RBC-ACTION-LEVELS-2024",
        "regulatory_basis": "NAIC RBC Model Laws #312 (life), #315 (P&C), #315H (health). Verdict proves the committed capital figures map to this action-level tier — the underlying dollar amounts are never disclosed (OCG Standard §25 ocg-private-input@1).",
        "pii_note": "ZERO PII disclosed: total adjusted capital and authorized control level are a private witness, never present in policy_parameters or output_payload. Only the action-level tier is public.",
        "not_legal_advice": "Not legal or actuarial advice. RBC action level determinations require review by a qualified actuary and the applicable state insurance department."
      },
      "golden_hash": "9974b702c2c106e81f4e2f10495961bec17afbcca671f0d54384e7113bb01a9c"
    }
  ]
}