{
  "example": "dental \u2014 practice-financed treatment plan",
  "source": "https://amortance.com/dental",
  "note": "Synthetic data, real mechanics. Generated from the same engine the page runs, not read by it: this file fixes the inputs and the expected outputs so the numbers can be reproduced independently. verify.py does exactly that and is published beside it.",
  "order": {
    "accepted": "2026-03-01",
    "lines": [
      {
        "code": "D2740",
        "description": "Crown, porcelain/ceramic \u2014 #14",
        "fee": "1450",
        "estimated_benefit": "435",
        "patient_share": "1015"
      },
      {
        "code": "D2740",
        "description": "Crown, porcelain/ceramic \u2014 #15",
        "fee": "1450",
        "estimated_benefit": "435",
        "patient_share": "1015"
      },
      {
        "code": "D6010",
        "description": "Implant body, endosteal \u2014 #19",
        "fee": "2100",
        "estimated_benefit": "315",
        "patient_share": "1785"
      },
      {
        "code": "D0367",
        "description": "CBCT capture, both jaws",
        "fee": "260",
        "estimated_benefit": "75",
        "patient_share": "185"
      }
    ],
    "totals": {
      "fee": "5260",
      "estimated_benefit": "1260",
      "patient_share": "4000"
    }
  },
  "terms": {
    "apr": "0.0990",
    "accrual": "simple interest on outstanding principal, no compounding",
    "rounding": "half up to the cent, computed per interval, at posting",
    "allocation": "accrued interest first, then principal",
    "credit_on_over_reduction": "a reduction that takes the balance below zero settles any accrued interest first; what is left is a credit due back to the payer",
    "down_payment": {
      "on": "2026-03-01",
      "amount": "400"
    },
    "due_dates": [
      "2026-04-01",
      "2026-05-01",
      "2026-06-01",
      "2026-07-01",
      "2026-08-01",
      "2026-09-01",
      "2026-10-01",
      "2026-11-01",
      "2026-12-01",
      "2027-01-01",
      "2027-02-01",
      "2027-03-01"
    ],
    "instalment_pricing": "=PMT on the balance and accrued interest as at the date of the event, at the nominal periodic rate (APR x 30 / day-count basis), over the dates that remain; the part-period before the next instalment is not discounted separately",
    "on_change": "dates hold, instalment moves"
  },
  "states": [
    {
      "policy": {
        "day_count": "30/360",
        "adjudication_effective": "date of service (2026-03-01)",
        "production_removed_effective": "POLICY FORK \u2014 both branches below"
      },
      "log": [
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "3600",
          "note": "amount financed = patient share 4000.00 less down payment 400.00"
        },
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "-870",
          "note": "adjudication posted 2026-04-23"
        },
        {
          "on": "2026-04-01",
          "kind": "payment",
          "amount": "316.33",
          "note": "instalment 1"
        },
        {
          "on": "2026-05-01",
          "kind": "payment",
          "amount": "233.99",
          "note": "instalment 2, repriced"
        },
        {
          "on": "2026-05-14",
          "kind": "principal",
          "amount": "238",
          "note": "D4341 added, effective date performed"
        },
        {
          "on": "2026-06-01",
          "kind": "payment",
          "amount": "258.16",
          "note": "instalment 3"
        },
        {
          "on": "2026-07-01",
          "kind": "payment",
          "amount": "258.16",
          "note": "instalment 4"
        },
        {
          "on": "2026-08-01",
          "kind": "payment",
          "amount": "258.16",
          "note": "instalment 5"
        },
        {
          "on": "2026-09-01",
          "kind": "payment",
          "amount": "258.16",
          "note": "instalment 6"
        },
        {
          "on": "2026-10-01",
          "kind": "payment",
          "amount": "258.16",
          "note": "instalment 7"
        }
      ],
      "fork_on_2026-10-05": {
        "A_effective_today": {
          "effective": "2026-10-05",
          "amount": "-1785",
          "interest_charged": "124.81",
          "credit_due_patient": "533.31",
          "plan_closes": "2026-10-05"
        },
        "B_effective_at_origination": {
          "effective": "2026-03-01",
          "amount": "-1785",
          "interest_charged": "21.89",
          "credit_due_patient": "636.23",
          "plan_closes": "2026-08-01"
        }
      },
      "expected": {
        "pay0": "316.33",
        "asSignedInterest": "195.97",
        "eobBalance": "2,436.19",
        "accruedToEob": "14.74",
        "instAfterEob": "233.99",
        "instAfterEobFinal": "217.87",
        "instAfterEobLevel": "232.59",
        "accruedAtAdd": "7.94",
        "instAfterAdd": "258.16",
        "paidToDate": "2,241.12",
        "correctedShare": "1,583.00",
        "overCollected": "658.12",
        "gap": "102.92"
      }
    },
    {
      "policy": {
        "day_count": "30/360",
        "adjudication_effective": "on receipt (2026-04-23)",
        "production_removed_effective": "POLICY FORK \u2014 both branches below"
      },
      "log": [
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "3600",
          "note": "amount financed = patient share 4000.00 less down payment 400.00"
        },
        {
          "on": "2026-04-23",
          "kind": "principal",
          "amount": "-870",
          "note": "adjudication posted 2026-04-23"
        },
        {
          "on": "2026-04-01",
          "kind": "payment",
          "amount": "316.33",
          "note": "instalment 1"
        },
        {
          "on": "2026-05-01",
          "kind": "payment",
          "amount": "235.18",
          "note": "instalment 2, repriced"
        },
        {
          "on": "2026-05-14",
          "kind": "principal",
          "amount": "238",
          "note": "D4341 added, effective date performed"
        },
        {
          "on": "2026-06-01",
          "kind": "payment",
          "amount": "259.35",
          "note": "instalment 3"
        },
        {
          "on": "2026-07-01",
          "kind": "payment",
          "amount": "259.35",
          "note": "instalment 4"
        },
        {
          "on": "2026-08-01",
          "kind": "payment",
          "amount": "259.35",
          "note": "instalment 5"
        },
        {
          "on": "2026-09-01",
          "kind": "payment",
          "amount": "259.35",
          "note": "instalment 6"
        },
        {
          "on": "2026-10-01",
          "kind": "payment",
          "amount": "259.35",
          "note": "instalment 7"
        }
      ],
      "fork_on_2026-10-05": {
        "A_effective_today": {
          "effective": "2026-10-05",
          "amount": "-1785",
          "interest_charged": "137.70",
          "credit_due_patient": "527.56",
          "plan_closes": "2026-10-05"
        },
        "B_effective_at_origination": {
          "effective": "2026-03-01",
          "amount": "-1785",
          "interest_charged": "34.65",
          "credit_due_patient": "630.61",
          "plan_closes": "2026-08-01"
        }
      },
      "expected": {
        "pay0": "316.33",
        "asSignedInterest": "195.97",
        "eobBalance": "2,443.37",
        "accruedToEob": "20.05",
        "instAfterEob": "235.18",
        "instAfterEobFinal": "219.02",
        "instAfterEobLevel": "233.77",
        "accruedAtAdd": "7.99",
        "instAfterAdd": "259.35",
        "paidToDate": "2,248.26",
        "correctedShare": "1,583.00",
        "overCollected": "665.26",
        "gap": "103.05"
      }
    },
    {
      "policy": {
        "day_count": "actual/365",
        "adjudication_effective": "date of service (2026-03-01)",
        "production_removed_effective": "POLICY FORK \u2014 both branches below"
      },
      "log": [
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "3600",
          "note": "amount financed = patient share 4000.00 less down payment 400.00"
        },
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "-870",
          "note": "adjudication posted 2026-04-23"
        },
        {
          "on": "2026-04-01",
          "kind": "payment",
          "amount": "316.10",
          "note": "instalment 1"
        },
        {
          "on": "2026-05-01",
          "kind": "payment",
          "amount": "233.88",
          "note": "instalment 2, repriced"
        },
        {
          "on": "2026-05-14",
          "kind": "principal",
          "amount": "238",
          "note": "D4341 added, effective date performed"
        },
        {
          "on": "2026-06-01",
          "kind": "payment",
          "amount": "258.05",
          "note": "instalment 3"
        },
        {
          "on": "2026-07-01",
          "kind": "payment",
          "amount": "258.05",
          "note": "instalment 4"
        },
        {
          "on": "2026-08-01",
          "kind": "payment",
          "amount": "258.05",
          "note": "instalment 5"
        },
        {
          "on": "2026-09-01",
          "kind": "payment",
          "amount": "258.05",
          "note": "instalment 6"
        },
        {
          "on": "2026-10-01",
          "kind": "payment",
          "amount": "258.05",
          "note": "instalment 7"
        }
      ],
      "fork_on_2026-10-05": {
        "A_effective_today": {
          "effective": "2026-10-05",
          "amount": "-1785",
          "interest_charged": "125.58",
          "credit_due_patient": "531.65",
          "plan_closes": "2026-10-05"
        },
        "B_effective_at_origination": {
          "effective": "2026-03-01",
          "amount": "-1785",
          "interest_charged": "22.08",
          "credit_due_patient": "635.15",
          "plan_closes": "2026-08-01"
        }
      },
      "expected": {
        "pay0": "316.10",
        "asSignedInterest": "197.20",
        "eobBalance": "2,436.85",
        "accruedToEob": "14.54",
        "instAfterEob": "233.88",
        "instAfterEobFinal": "220.11",
        "instAfterEobLevel": "232.68",
        "accruedAtAdd": "7.84",
        "instAfterAdd": "258.05",
        "paidToDate": "2,240.23",
        "correctedShare": "1,583.00",
        "overCollected": "657.23",
        "gap": "103.50"
      }
    },
    {
      "policy": {
        "day_count": "actual/365",
        "adjudication_effective": "on receipt (2026-04-23)",
        "production_removed_effective": "POLICY FORK \u2014 both branches below"
      },
      "log": [
        {
          "on": "2026-03-01",
          "kind": "principal",
          "amount": "3600",
          "note": "amount financed = patient share 4000.00 less down payment 400.00"
        },
        {
          "on": "2026-04-23",
          "kind": "principal",
          "amount": "-870",
          "note": "adjudication posted 2026-04-23"
        },
        {
          "on": "2026-04-01",
          "kind": "payment",
          "amount": "316.10",
          "note": "instalment 1"
        },
        {
          "on": "2026-05-01",
          "kind": "payment",
          "amount": "235.08",
          "note": "instalment 2, repriced"
        },
        {
          "on": "2026-05-14",
          "kind": "principal",
          "amount": "238",
          "note": "D4341 added, effective date performed"
        },
        {
          "on": "2026-06-01",
          "kind": "payment",
          "amount": "259.24",
          "note": "instalment 3"
        },
        {
          "on": "2026-07-01",
          "kind": "payment",
          "amount": "259.24",
          "note": "instalment 4"
        },
        {
          "on": "2026-08-01",
          "kind": "payment",
          "amount": "259.24",
          "note": "instalment 5"
        },
        {
          "on": "2026-09-01",
          "kind": "payment",
          "amount": "259.24",
          "note": "instalment 6"
        },
        {
          "on": "2026-10-01",
          "kind": "payment",
          "amount": "259.24",
          "note": "instalment 7"
        }
      ],
      "fork_on_2026-10-05": {
        "A_effective_today": {
          "effective": "2026-10-05",
          "amount": "-1785",
          "interest_charged": "138.53",
          "credit_due_patient": "525.85",
          "plan_closes": "2026-10-05"
        },
        "B_effective_at_origination": {
          "effective": "2026-03-01",
          "amount": "-1785",
          "interest_charged": "34.91",
          "credit_due_patient": "629.47",
          "plan_closes": "2026-08-01"
        }
      },
      "expected": {
        "pay0": "316.10",
        "asSignedInterest": "197.20",
        "eobBalance": "2,444.17",
        "accruedToEob": "19.78",
        "instAfterEob": "235.08",
        "instAfterEobFinal": "221.22",
        "instAfterEobLevel": "233.87",
        "accruedAtAdd": "7.88",
        "instAfterAdd": "259.24",
        "paidToDate": "2,247.38",
        "correctedShare": "1,583.00",
        "overCollected": "664.38",
        "gap": "103.62"
      }
    }
  ]
}