{"abstract":"After a recast the payment drops as if the loan were brand new.","category":"Loan amortization schedules","checks":7,"contract":"x = {'principal', 'rate_bp', 'months', 'prepay': {'k': extra cents after payment k}, 'mode': 'shorten'|'recast'}. The level payment is the exact annuity rounded half-up. Each month: interest = round_half_up(balance*bp/120000); if balance + interest <= payment or it is month n, pay balance + interest and stop. Otherwise reduce the balance by payment - interest, then apply the extra (capped at the balance). In recast mode a nonzero extra that leaves a balance re-levels the payment over the n - k remaining months. An extra that clears the balance ends the loan with final payment = payment + extra. Return {'months_paid', 'total_interest', 'final_payment', 'payments': payment history}.","contract_signature":"x","evaluation_group":"w2-loan-amortization-schedules-curtailment-recast-or-shorten","failed_approach":"Counting the current month again spreads the balance over one payment too many.","family":"w2-loan-amortization-schedules-curtailment-recast-or-shorten-recast-remaining-term","id":"FA-58406","implementations":{"attempt":{"sha256":"9b0560da1b13ced0d51800474eebd47792380a97a789578e40ac344ff6d9efeb","source":"\"\"\"Failure Map reference implementation. Python standard library only.\"\"\"\nimport json\nimport math\nfrom fractions import Fraction\nN = 1\nobservations = []\ndef solve(x):\n    def rnd(n, d):\n        q, r = divmod(n, d)\n        return q + (1 if 2 * r >= d else 0)\n    def level(P, n):\n        if n <= 0 or P <= 0:\n            return 0\n        if bp == 0:\n            exact = Fraction(P, n)\n        else:\n            r = Fraction(bp, 120000)\n            exact = P * r / (1 - (1 + r) ** -n)\n        return math.floor(exact + Fraction(1, 2))\n    bp = x['rate_bp']\n    n = x['months']\n    bal = x['principal']\n    pay = level(bal, n)\n    history = [pay]\n    total = 0\n    k = 0\n    final = 0\n    while bal > 0 and k < n:\n        k += 1\n        interest = rnd(bal * bp, 120000)\n        total += interest\n        if bal + interest <= pay or k == n:\n            final = bal + interest\n            bal = 0\n            break\n        bal -= pay - interest\n        extra = min(x['prepay'].get(str(k), 0), bal)\n        if extra:\n            bal -= extra\n            if x['mode'] == 'recast' and bal > 0:\n                pay = level(bal, n - k + 1)\n                history.append(pay)\n            if bal == 0:\n                final = pay + extra\n    return {'months_paid': k, 'total_interest': total, 'final_payment': final, 'payments': history}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: recast remaining term', {'principal': 60000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 200000, '7': 20000}, 'mode': 'recast'}, {'months_paid': 8, 'total_interest': 1612, 'final_payment': 5464, 'payments': [5164, 1104]}], ['control 1', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'21': 5000, '12': 200000, '35': 2000000}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 41663, 'payments': [1667]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'26': 20000, '10': 5000, '3': 2000000}, 'mode': 'shorten'}, {'months_paid': 3, 'total_interest': 0, 'final_payment': 56666, 'payments': [1667]}], ['control 3', {'principal': 100000, 'rate_bp': 600, 'months': 24, 'prepay': {'8': 200000}, 'mode': 'shorten'}, {'months_paid': 8, 'total_interest': 3445, 'final_payment': 72421, 'payments': [4432]}], ['control 4', {'principal': 250000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 32442, 'final_payment': 11778, 'payments': [11768]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'33': 200000, '21': 200000}, 'mode': 'recast'}, {'months_paid': 21, 'total_interest': 4647, 'final_payment': 28147, 'payments': [1825]}], ['control 6', {'principal': 100000, 'rate_bp': 0, 'months': 36, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 36, 'total_interest': 0, 'final_payment': 2770, 'payments': [2778]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'10': 5000}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 12595, 'final_payment': 4326, 'payments': [4707, 4323]}], ['control 1', {'principal': 250000, 'rate_bp': 0, 'months': 24, 'prepay': {'24': 200000}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 10409, 'payments': [10417]}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'months': 6, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 41665, 'payments': [41667]}], ['control 3', {'principal': 60000, 'rate_bp': 0, 'months': 12, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 5000, 'payments': [5000]}], ['control 4', {'principal': 100000, 'rate_bp': 0, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 4159, 'payments': [4167]}], ['control 5', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 24, 'total_interest': 12979, 'final_payment': 4718, 'payments': [4707]}], ['control 6', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'11': 20000, '19': 20000, '2': 1000}, 'mode': 'shorten'}, {'months_paid': 19, 'total_interest': 0, 'final_payment': 8994, 'payments': [1667]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 600, 'months': 12, 'prepay': {'10': 1000}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 3272, 'final_payment': 8101, 'payments': [8607, 8101]}], ['control 1', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'12': 5000, '20': 20000, '4': 1000}, 'mode': 'shorten'}, {'months_paid': 20, 'total_interest': 11928, 'final_payment': 16495, 'payments': [4707]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'5': 2000000, '1': 200000, '3': 20000}, 'mode': 'recast'}, {'months_paid': 1, 'total_interest': 0, 'final_payment': 60000, 'payments': [10000]}], ['control 3', {'principal': 60000, 'rate_bp': 1200, 'months': 12, 'prepay': {'4': 200000}, 'mode': 'recast'}, {'months_paid': 4, 'total_interest': 2115, 'final_payment': 46122, 'payments': [5331]}], ['control 4', {'principal': 250000, 'rate_bp': 600, 'months': 36, 'prepay': {'10': 20000, '11': 1000}, 'mode': 'shorten'}, {'months_paid': 33, 'total_interest': 21026, 'final_payment': 6666, 'payments': [7605]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'17': 20000, '29': 20000, '5': 200000}, 'mode': 'recast'}, {'months_paid': 5, 'total_interest': 1423, 'final_payment': 54123, 'payments': [1825]}], ['control 6', {'principal': 100000, 'rate_bp': 0, 'months': 12, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 8337, 'payments': [8333]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'20': 5000, '18': 2000000, '15': 1000}, 'mode': 'recast'}, {'months_paid': 18, 'total_interest': 11987, 'final_payment': 31200, 'payments': [4707, 4591]}], ['control 1', {'principal': 100000, 'rate_bp': 600, 'months': 36, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 36, 'total_interest': 9520, 'final_payment': 3050, 'payments': [3042]}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'months': 12, 'prepay': {'7': 200000, '3': 5000}, 'mode': 'shorten'}, {'months_paid': 7, 'total_interest': 0, 'final_payment': 120002, 'payments': [20833]}], ['control 3', {'principal': 60000, 'rate_bp': 0, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 2500, 'payments': [2500]}], ['control 4', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'24': 2000000, '33': 1000, '12': 2000000}, 'mode': 'shorten'}, {'months_paid': 12, 'total_interest': 3088, 'final_payment': 43013, 'payments': [1825]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 5000}, 'mode': 'shorten'}, {'months_paid': 12, 'total_interest': 1867, 'final_payment': 63, 'payments': [5164]}], ['control 6', {'principal': 60000, 'rate_bp': 0, 'months': 24, 'prepay': {'9': 5000, '24': 5000}, 'mode': 'shorten'}, {'months_paid': 22, 'total_interest': 0, 'final_payment': 2500, 'payments': [2500]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 0, 'months': 6, 'prepay': {'3': 1000}, 'mode': 'recast'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 16333, 'payments': [16667, 16333]}], ['control 1', {'principal': 250000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 200000}, 'mode': 'shorten'}, {'months_paid': 8, 'total_interest': 7134, 'final_payment': 106515, 'payments': [21517]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'4': 1000}, 'mode': 'shorten'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 9000, 'payments': [10000]}], ['control 3', {'principal': 250000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 24, 'total_interest': 32442, 'final_payment': 11778, 'payments': [11768]}], ['control 4', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'4': 200000, '1': 1000, '6': 200000}, 'mode': 'shorten'}, {'months_paid': 4, 'total_interest': 0, 'final_payment': 29000, 'payments': [10000]}], ['control 5', {'principal': 60000, 'rate_bp': 0, 'months': 12, 'prepay': {'10': 5000}, 'mode': 'shorten'}, {'months_paid': 11, 'total_interest': 0, 'final_payment': 5000, 'payments': [5000]}], ['control 6', {'principal': 100000, 'rate_bp': 600, 'months': 36, 'prepay': {'34': 2000000, '15': 200000}, 'mode': 'recast'}, {'months_paid': 15, 'total_interest': 6138, 'final_payment': 63550, 'payments': [3042]}]]]\nfor label, args, expected in fixtures[N-1]:\n    try:\n        actual = solve(args)\n    except Exception as exc:\n        actual = 'raised ' + type(exc).__name__\n    check(label, actual, expected)\nprint(json.dumps({\"observations\": observations, \"passed\": all(x[\"passed\"] for x in observations)}, ensure_ascii=False))\nraise SystemExit(0 if all(x[\"passed\"] for x in observations) else 1)\n"},"broken":{"sha256":"d6862415a8f65d9814bf63be6f7f9c04fd4145da81cdebf984d5c5f07fe5f5a1","source":"\"\"\"Failure Map reference implementation. Python standard library only.\"\"\"\nimport json\nimport math\nfrom fractions import Fraction\nN = 1\nobservations = []\ndef solve(x):\n    def rnd(n, d):\n        q, r = divmod(n, d)\n        return q + (1 if 2 * r >= d else 0)\n    def level(P, n):\n        if n <= 0 or P <= 0:\n            return 0\n        if bp == 0:\n            exact = Fraction(P, n)\n        else:\n            r = Fraction(bp, 120000)\n            exact = P * r / (1 - (1 + r) ** -n)\n        return math.floor(exact + Fraction(1, 2))\n    bp = x['rate_bp']\n    n = x['months']\n    bal = x['principal']\n    pay = level(bal, n)\n    history = [pay]\n    total = 0\n    k = 0\n    final = 0\n    while bal > 0 and k < n:\n        k += 1\n        interest = rnd(bal * bp, 120000)\n        total += interest\n        if bal + interest <= pay or k == n:\n            final = bal + interest\n            bal = 0\n            break\n        bal -= pay - interest\n        extra = min(x['prepay'].get(str(k), 0), bal)\n        if extra:\n            bal -= extra\n            if x['mode'] == 'recast' and bal > 0:\n                pay = level(bal, n)\n                history.append(pay)\n            if bal == 0:\n                final = pay + extra\n    return {'months_paid': k, 'total_interest': total, 'final_payment': final, 'payments': history}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: recast remaining term', {'principal': 60000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 200000, '7': 20000}, 'mode': 'recast'}, {'months_paid': 8, 'total_interest': 1612, 'final_payment': 5464, 'payments': [5164, 1104]}], ['control 1', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'21': 5000, '12': 200000, '35': 2000000}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 41663, 'payments': [1667]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'26': 20000, '10': 5000, '3': 2000000}, 'mode': 'shorten'}, {'months_paid': 3, 'total_interest': 0, 'final_payment': 56666, 'payments': [1667]}], ['control 3', {'principal': 100000, 'rate_bp': 600, 'months': 24, 'prepay': {'8': 200000}, 'mode': 'shorten'}, {'months_paid': 8, 'total_interest': 3445, 'final_payment': 72421, 'payments': [4432]}], ['control 4', {'principal': 250000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 32442, 'final_payment': 11778, 'payments': [11768]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'33': 200000, '21': 200000}, 'mode': 'recast'}, {'months_paid': 21, 'total_interest': 4647, 'final_payment': 28147, 'payments': [1825]}], ['control 6', {'principal': 100000, 'rate_bp': 0, 'months': 36, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 36, 'total_interest': 0, 'final_payment': 2770, 'payments': [2778]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'10': 5000}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 12595, 'final_payment': 4326, 'payments': [4707, 4323]}], ['control 1', {'principal': 250000, 'rate_bp': 0, 'months': 24, 'prepay': {'24': 200000}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 10409, 'payments': [10417]}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'months': 6, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 41665, 'payments': [41667]}], ['control 3', {'principal': 60000, 'rate_bp': 0, 'months': 12, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 5000, 'payments': [5000]}], ['control 4', {'principal': 100000, 'rate_bp': 0, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 4159, 'payments': [4167]}], ['control 5', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 24, 'total_interest': 12979, 'final_payment': 4718, 'payments': [4707]}], ['control 6', {'principal': 60000, 'rate_bp': 0, 'months': 36, 'prepay': {'11': 20000, '19': 20000, '2': 1000}, 'mode': 'shorten'}, {'months_paid': 19, 'total_interest': 0, 'final_payment': 8994, 'payments': [1667]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 600, 'months': 12, 'prepay': {'10': 1000}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 3272, 'final_payment': 8101, 'payments': [8607, 8101]}], ['control 1', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'12': 5000, '20': 20000, '4': 1000}, 'mode': 'shorten'}, {'months_paid': 20, 'total_interest': 11928, 'final_payment': 16495, 'payments': [4707]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'5': 2000000, '1': 200000, '3': 20000}, 'mode': 'recast'}, {'months_paid': 1, 'total_interest': 0, 'final_payment': 60000, 'payments': [10000]}], ['control 3', {'principal': 60000, 'rate_bp': 1200, 'months': 12, 'prepay': {'4': 200000}, 'mode': 'recast'}, {'months_paid': 4, 'total_interest': 2115, 'final_payment': 46122, 'payments': [5331]}], ['control 4', {'principal': 250000, 'rate_bp': 600, 'months': 36, 'prepay': {'10': 20000, '11': 1000}, 'mode': 'shorten'}, {'months_paid': 33, 'total_interest': 21026, 'final_payment': 6666, 'payments': [7605]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'17': 20000, '29': 20000, '5': 200000}, 'mode': 'recast'}, {'months_paid': 5, 'total_interest': 1423, 'final_payment': 54123, 'payments': [1825]}], ['control 6', {'principal': 100000, 'rate_bp': 0, 'months': 12, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 12, 'total_interest': 0, 'final_payment': 8337, 'payments': [8333]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 1200, 'months': 24, 'prepay': {'20': 5000, '18': 2000000, '15': 1000}, 'mode': 'recast'}, {'months_paid': 18, 'total_interest': 11987, 'final_payment': 31200, 'payments': [4707, 4591]}], ['control 1', {'principal': 100000, 'rate_bp': 600, 'months': 36, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 36, 'total_interest': 9520, 'final_payment': 3050, 'payments': [3042]}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'months': 12, 'prepay': {'7': 200000, '3': 5000}, 'mode': 'shorten'}, {'months_paid': 7, 'total_interest': 0, 'final_payment': 120002, 'payments': [20833]}], ['control 3', {'principal': 60000, 'rate_bp': 0, 'months': 24, 'prepay': {}, 'mode': 'recast'}, {'months_paid': 24, 'total_interest': 0, 'final_payment': 2500, 'payments': [2500]}], ['control 4', {'principal': 60000, 'rate_bp': 600, 'months': 36, 'prepay': {'24': 2000000, '33': 1000, '12': 2000000}, 'mode': 'shorten'}, {'months_paid': 12, 'total_interest': 3088, 'final_payment': 43013, 'payments': [1825]}], ['control 5', {'principal': 60000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 5000}, 'mode': 'shorten'}, {'months_paid': 12, 'total_interest': 1867, 'final_payment': 63, 'payments': [5164]}], ['control 6', {'principal': 60000, 'rate_bp': 0, 'months': 24, 'prepay': {'9': 5000, '24': 5000}, 'mode': 'shorten'}, {'months_paid': 22, 'total_interest': 0, 'final_payment': 2500, 'payments': [2500]}]], [['regression: recast remaining term', {'principal': 100000, 'rate_bp': 0, 'months': 6, 'prepay': {'3': 1000}, 'mode': 'recast'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 16333, 'payments': [16667, 16333]}], ['control 1', {'principal': 250000, 'rate_bp': 600, 'months': 12, 'prepay': {'8': 200000}, 'mode': 'shorten'}, {'months_paid': 8, 'total_interest': 7134, 'final_payment': 106515, 'payments': [21517]}], ['control 2', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'4': 1000}, 'mode': 'shorten'}, {'months_paid': 6, 'total_interest': 0, 'final_payment': 9000, 'payments': [10000]}], ['control 3', {'principal': 250000, 'rate_bp': 1200, 'months': 24, 'prepay': {}, 'mode': 'shorten'}, {'months_paid': 24, 'total_interest': 32442, 'final_payment': 11778, 'payments': [11768]}], ['control 4', {'principal': 60000, 'rate_bp': 0, 'months': 6, 'prepay': {'4': 200000, '1': 1000, '6': 200000}, 'mode': 'shorten'}, {'months_paid': 4, 'total_interest': 0, 'final_payment': 29000, 'payments': [10000]}], ['control 5', {'principal': 60000, 'rate_bp': 0, 'months': 12, 'prepay': {'10': 5000}, 'mode': 'shorten'}, {'months_paid': 11, 'total_interest': 0, 'final_payment': 5000, 'payments': [5000]}], ['control 6', {'principal': 100000, 'rate_bp': 600, 'months': 36, 'prepay': {'34': 2000000, '15': 200000}, 'mode': 'recast'}, {'months_paid': 15, 'total_interest': 6138, 'final_payment': 63550, 'payments': [3042]}]]]\nfor label, args, expected in fixtures[N-1]:\n    try:\n        actual = solve(args)\n    except Exception as exc:\n        actual = 'raised ' + type(exc).__name__\n    check(label, actual, expected)\nprint(json.dumps({\"observations\": observations, \"passed\": all(x[\"passed\"] for x in observations)}, ensure_ascii=False))\nraise SystemExit(0 if all(x[\"passed\"] for x in observations) else 1)\n"}},"limitations":"A deterministic bounded teaching model with stipulated toy lending rules stated in the contract; money is integer cents and rates are basis points; it makes no claim of conformance to any regulation, servicing standard or product. This reproducer isolates one failure mechanism. Results cover the supplied fixtures. Variants within a family share a test contract and should remain grouped when constructing evaluation splits. Related mechanisms with a shared evaluation_group must also remain together; these controlled models are not independent production incidents.","method":"Deterministic executable model with adversarial boundary fixtures.","provenance":{"created_by":"Failure Map","dependencies":"Python standard library","family":"w2-loan-amortization-schedules-curtailment-recast-or-shorten-recast-remaining-term","generated_at":"2026-09-29T14:46:26.436212+00:00","license":"CC0-1.0","python":"3.12.14","seed":1,"split":"open-access"},"relevance":"Amortization engines drive borrower statements, payoff quotes and investor remittances; a misplaced rounding step, boundary or ordering rule compounds across hundreds of periods.","root_cause":"The recast re-levels over the full original term.","sha256":"e43e6b8415b05da36d9891d0073b8c7a1f3d0ae650f0a6c4a1869fef31cdb4ba","title":"Principal curtailment with recast or term shortening: recast remaining term · case 01","variant":1,"variant_policy":"Five numbered records share a model and may reuse boundary fixtures.","verified":true,"visibility":"public","verification":{"attempt":{"elapsed_ms":45.713,"exit_code":1,"observations":[{"actual":{"final_payment":5464,"months_paid":8,"payments":[5164,922],"total_interest":1612},"check":"regression: recast remaining term","expected":{"final_payment":5464,"months_paid":8,"payments":[5164,1104],"total_interest":1612},"passed":false},{"actual":{"final_payment":41663,"months_paid":12,"payments":[1667],"total_interest":0},"check":"control 1","expected":{"final_payment":41663,"months_paid":12,"payments":[1667],"total_interest":0},"passed":true},{"actual":{"final_payment":56666,"months_paid":3,"payments":[1667],"total_interest":0},"check":"control 2","expected":{"final_payment":56666,"months_paid":3,"payments":[1667],"total_interest":0},"passed":true},{"actual":{"final_payment":72421,"months_paid":8,"payments":[4432],"total_interest":3445},"check":"control 3","expected":{"final_payment":72421,"months_paid":8,"payments":[4432],"total_interest":3445},"passed":true},{"actual":{"final_payment":11778,"months_paid":24,"payments":[11768],"total_interest":32442},"check":"control 4","expected":{"final_payment":11778,"months_paid":24,"payments":[11768],"total_interest":32442},"passed":true},{"actual":{"final_payment":28147,"months_paid":21,"payments":[1825],"total_interest":4647},"check":"control 5","expected":{"final_payment":28147,"months_paid":21,"payments":[1825],"total_interest":4647},"passed":true},{"actual":{"final_payment":2770,"months_paid":36,"payments":[2778],"total_interest":0},"check":"control 6","expected":{"final_payment":2770,"months_paid":36,"payments":[2778],"total_interest":0},"passed":true}],"passed":false,"stderr":"","stdout":"{\"observations\": [{\"check\": \"regression: recast remaining term\", \"actual\": {\"months_paid\": 8, \"total_interest\": 1612, \"final_payment\": 5464, \"payments\": [5164, 922]}, \"expected\": {\"months_paid\": 8, \"total_interest\": 1612, \"final_payment\": 5464, \"payments\": [5164, 1104]}, \"passed\": false}, {\"check\": \"control 1\", \"actual\": {\"months_paid\": 12, \"total_interest\": 0, \"final_payment\": 41663, \"payments\": [1667]}, \"expected\": {\"months_paid\": 12, \"total_interest\": 0, \"final_payment\": 41663, \"payments\": [1667]}, \"passed\": true}, {\"check\": \"control 2\", \"actual\": {\"months_paid\": 3, \"total_interest\": 0, \"final_payment\": 56666, \"payments\": [1667]}, \"expected\": {\"months_paid\": 3, \"total_interest\": 0, \"final_payment\": 56666, \"payments\": [1667]}, \"passed\": true}, {\"check\": \"control 3\", \"actual\": {\"months_paid\": 8, \"total_interest\": 3445, \"final_payment\": 72421, \"payments\": [4432]}, \"expected\": {\"months_paid\": 8, \"total_interest\": 3445, \"final_payment\": 72421, \"payments\": [4432]}, \"passed\": true}, {\"check\": \"control 4\", \"actual\": {\"months_paid\": 24, \"total_interest\": 32442, 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