{
  "tool_id": "art-478-analyze-dc-vs-lc-cost-benefit",
  "note": "Vectors reproduce tools/423-dc-vs-lc-analyzer.html run scenarios: default sight-LC medium risk, low-risk established D/A buyer, high-risk confirmed-usance LC, and a zero-invoice finite-gate edge case -- tool<->kernel parity is the gate.",
  "vectors": [
    {
      "name": "default-lc-recommended-medium-risk",
      "policy_parameters": {
        "invoiceValueUSD": 500000,
        "sellerCountryRisk": "medium",
        "buyerCountryRisk": "medium",
        "buyerRelationship": "lt2",
        "paymentTermDays": 60,
        "goodsStatus": "shipped",
        "lcType": "sight",
        "lcIssuancePctPerQuarter": 0.125,
        "lcAdvisingFeeUSD": 100,
        "lcConfirmationPctPerQuarter": 0,
        "lcNegotiationPct": 0,
        "lcAmendmentFeeUSD": 75,
        "lcExpectedAmendments": 1,
        "dcType": "dp",
        "dcCollectingCommissionPct": 0.15,
        "dcRemittingFeeUSD": 65,
        "dcProtestFeeUSD": 1000,
        "dcNonPaymentProbabilityPct": 5
      },
      "output_payload": {
        "lcTotalFeesUSD": 800,
        "dcTotalFeesUSD": 865,
        "dcRiskExposureUSD": 10000,
        "lcRiskAdjCostUSD": 800,
        "dcRiskAdjCostUSD": 10865,
        "lcProtectionScore": 65,
        "lc_protection_score_heuristic": true,
        "breakEvenProbabilityPct": 0,
        "recommendation": "LC",
        "heuristic_note": "lcProtectionScore is a disclosed additive heuristic (0-100), not a computed fact. All USD/percentage figures above it are deterministic fee/break-even arithmetic."
      },
      "golden_hash": "e7d4ebe7e2632d7fbbdd65664a9172073e459fa9f1db2cbdc317e133b6c9b36a"
    },
    {
      "name": "low-risk-established-dc-may-suffice",
      "policy_parameters": {
        "invoiceValueUSD": 250000,
        "sellerCountryRisk": "low",
        "buyerCountryRisk": "low",
        "buyerRelationship": "gt5",
        "paymentTermDays": 30,
        "goodsStatus": "shipped",
        "lcType": "sight",
        "lcIssuancePctPerQuarter": 0.15,
        "lcAdvisingFeeUSD": 80,
        "lcConfirmationPctPerQuarter": 0,
        "lcNegotiationPct": 0,
        "lcAmendmentFeeUSD": 50,
        "lcExpectedAmendments": 0,
        "dcType": "da",
        "dcCollectingCommissionPct": 0.1,
        "dcRemittingFeeUSD": 50,
        "dcProtestFeeUSD": 500,
        "dcNonPaymentProbabilityPct": 0.05
      },
      "output_payload": {
        "lcTotalFeesUSD": 455,
        "dcTotalFeesUSD": 300.25,
        "dcRiskExposureUSD": 50,
        "lcRiskAdjCostUSD": 455,
        "dcRiskAdjCostUSD": 350.25,
        "lcProtectionScore": 50,
        "lc_protection_score_heuristic": true,
        "breakEvenProbabilityPct": 0.15422885572139303,
        "recommendation": "DC",
        "heuristic_note": "lcProtectionScore is a disclosed additive heuristic (0-100), not a computed fact. All USD/percentage figures above it are deterministic fee/break-even arithmetic."
      },
      "golden_hash": "114ac54ac84f50d6e6ed10c8eb6f4fa60d9aa5494c0d41bb4d085e99b0a6c0ad"
    },
    {
      "name": "high-risk-confirmed-usance-lc",
      "policy_parameters": {
        "invoiceValueUSD": 1200000,
        "sellerCountryRisk": "high",
        "buyerCountryRisk": "high",
        "buyerRelationship": "new",
        "paymentTermDays": 180,
        "goodsStatus": "manufacture",
        "lcType": "confirmed_usance",
        "lcIssuancePctPerQuarter": 0.25,
        "lcAdvisingFeeUSD": 150,
        "lcConfirmationPctPerQuarter": 0.4,
        "lcNegotiationPct": 0.1,
        "lcAmendmentFeeUSD": 100,
        "lcExpectedAmendments": 2,
        "dcType": "da",
        "dcCollectingCommissionPct": 0.2,
        "dcRemittingFeeUSD": 75,
        "dcProtestFeeUSD": 2000,
        "dcNonPaymentProbabilityPct": 15
      },
      "output_payload": {
        "lcTotalFeesUSD": 17150,
        "dcTotalFeesUSD": 2775,
        "dcRiskExposureUSD": 72000,
        "lcRiskAdjCostUSD": 17150,
        "dcRiskAdjCostUSD": 74775,
        "lcProtectionScore": 100,
        "lc_protection_score_heuristic": true,
        "breakEvenProbabilityPct": 3.0446058091286305,
        "recommendation": "LC",
        "heuristic_note": "lcProtectionScore is a disclosed additive heuristic (0-100), not a computed fact. All USD/percentage figures above it are deterministic fee/break-even arithmetic."
      },
      "golden_hash": "cfed0b1e23a4c5ba3e6ad415eefb503eab73936fdc27e5d11a6aa233e05a010d"
    },
    {
      "name": "zero-invoice-finite-gate",
      "policy_parameters": {
        "invoiceValueUSD": 0,
        "sellerCountryRisk": "medium",
        "buyerCountryRisk": "medium",
        "buyerRelationship": "2to5",
        "paymentTermDays": 0,
        "goodsStatus": "shipped",
        "lcType": "sight",
        "lcIssuancePctPerQuarter": 0,
        "lcAdvisingFeeUSD": 0,
        "lcConfirmationPctPerQuarter": 0,
        "lcNegotiationPct": 0,
        "lcAmendmentFeeUSD": 0,
        "lcExpectedAmendments": 0,
        "dcType": "dp",
        "dcCollectingCommissionPct": 0,
        "dcRemittingFeeUSD": 0,
        "dcProtestFeeUSD": 0,
        "dcNonPaymentProbabilityPct": 0
      },
      "output_payload": {
        "lcTotalFeesUSD": 0,
        "dcTotalFeesUSD": 0,
        "dcRiskExposureUSD": 0,
        "lcRiskAdjCostUSD": 0,
        "dcRiskAdjCostUSD": 0,
        "lcProtectionScore": 60,
        "lc_protection_score_heuristic": true,
        "breakEvenProbabilityPct": 0,
        "recommendation": "LC",
        "heuristic_note": "lcProtectionScore is a disclosed additive heuristic (0-100), not a computed fact. All USD/percentage figures above it are deterministic fee/break-even arithmetic."
      },
      "golden_hash": "b4da482a15637a7ebd6605cd74d1dd4f9c08d880a8ae634b099347cb73dd2ad7"
    }
  ]
}