{"abstract":"Every interest-only bill is prorated like the funding month.","category":"Loan amortization schedules","checks":7,"contract":"x = {'principal', 'rate_bp', 'io_months' >= 1, 'amort_months' >= 1, 'fund_day' 1..30}. IO month m pays interest round_half_up(P*bp*days/(120000*30)) with days = 31 - fund_day for the first IO month and 30 otherwise. Then the level payment on the full principal over amort_months (exact annuity, half-up) amortizes with monthly interest round_half_up(balance*bp/120000); the last month pays balance + interest. Return {'io_bills': list of IO payments, 'payment', 'final_payment', 'total_interest'}.","contract_signature":"x","evaluation_group":"w2-loan-amortization-schedules-interest-only-then-amortizing","failed_approach":"Prorating the last interest-only month moves the stub to the wrong bill.","family":"w2-loan-amortization-schedules-interest-only-then-amortizing-stub-month-selection","id":"FA-58446","implementations":{"attempt":{"sha256":"8f2cb89f7d7422172539a6e0e9318f91ef2b5b8bfed73de5cb07f16e9b42d513","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    P = x['principal']\n    io_bills = []\n    total_int = 0\n    for m in range(x['io_months']):\n        days = 31 - x['fund_day'] if m == x['io_months'] - 1 else 30\n        interest = rnd(P * bp * days, 120000 * 30)\n        io_bills.append(interest)\n        total_int += interest\n    pay = level(P, x['amort_months'])\n    bal = P\n    final = 0\n    for k in range(1, x['amort_months'] + 1):\n        interest = rnd(bal * bp, 120000)\n        total_int += interest\n        if k == x['amort_months']:\n            final = bal + interest\n        else:\n            bal -= pay - interest\n    return {'io_bills': io_bills, 'payment': pay, 'final_payment': final, 'total_interest': total_int}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: stub month selection', {'principal': 12345, 'rate_bp': 725, 'io_months': 12, 'amort_months': 12, 'fund_day': 15}, {'io_bills': [40, 75, 75, 75, 75, 75, 75, 75, 75, 75, 75, 75], 'payment': 1070, 'final_payment': 1065, 'total_interest': 1355}], ['control 1', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 60, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 56614, 'final_payment': 56596, 'total_interest': 434322}], ['control 2', {'principal': 12345, 'rate_bp': 0, 'io_months': 1, 'amort_months': 24, 'fund_day': 2}, {'io_bills': [0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}], ['control 3', {'principal': 3000000, 'rate_bp': 725, 'io_months': 2, 'amort_months': 1, 'fund_day': 1}, {'io_bills': [18125, 18125], 'payment': 3018125, 'final_payment': 3018125, 'total_interest': 54375}], ['control 4', {'principal': 12345, 'rate_bp': 0, 'io_months': 1, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0], 'payment': 12345, 'final_payment': 12345, 'total_interest': 0}], ['control 5', {'principal': 12345, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [72], 'payment': 246, 'final_payment': 239, 'total_interest': 2480}], ['control 6', {'principal': 250000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 4167, 'final_payment': 4147, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 250000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 60, 'fund_day': 30}, {'io_bills': [35, 1042], 'payment': 4718, 'final_payment': 4703, 'total_interest': 34142}], ['control 1', {'principal': 12345, 'rate_bp': 0, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [0, 0, 0], 'payment': 1029, 'final_payment': 1026, 'total_interest': 0}], ['control 2', {'principal': 100000, 'rate_bp': 725, 'io_months': 2, 'amort_months': 60, 'fund_day': 1}, {'io_bills': [604, 604], 'payment': 1992, 'final_payment': 1987, 'total_interest': 20723}], ['control 3', {'principal': 3000000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 50000, 'final_payment': 50000, 'total_interest': 0}], ['control 4', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 256822, 'final_payment': 256827, 'total_interest': 119369}], ['control 5', {'principal': 250000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 10417, 'final_payment': 10409, 'total_interest': 0}], ['control 6', {'principal': 3000000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0, 0], 'payment': 3000000, 'final_payment': 3000000, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 3000000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 24, 'fund_day': 29}, {'io_bills': [833, 12500], 'payment': 131614, 'final_payment': 131618, 'total_interest': 172073}], ['control 1', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 24, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 131614, 'final_payment': 131618, 'total_interest': 196240}], ['control 2', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 29}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 4167, 'final_payment': 4159, 'total_interest': 0}], ['control 3', {'principal': 12345, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 30}, {'io_bills': [0, 0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}], ['control 4', {'principal': 250000, 'rate_bp': 0, 'io_months': 1, 'amort_months': 1, 'fund_day': 30}, {'io_bills': [0], 'payment': 250000, 'final_payment': 250000, 'total_interest': 0}], ['control 5', {'principal': 250000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [1042, 1042], 'payment': 21402, 'final_payment': 21400, 'total_interest': 8906}], ['control 6', {'principal': 250000, 'rate_bp': 1200, 'io_months': 1, 'amort_months': 1, 'fund_day': 15}, {'io_bills': [1333], 'payment': 252500, 'final_payment': 252500, 'total_interest': 3833}]], [['regression: stub month selection', {'principal': 250000, 'rate_bp': 500, 'io_months': 12, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [556, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042], 'payment': 4718, 'final_payment': 4703, 'total_interest': 45083}], ['control 1', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 29}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 1667, 'final_payment': 1647, 'total_interest': 0}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'io_months': 3, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0, 0, 0], 'payment': 250000, 'final_payment': 250000, 'total_interest': 0}], ['control 3', {'principal': 100000, 'rate_bp': 500, 'io_months': 1, 'amort_months': 12, 'fund_day': 30}, {'io_bills': [14], 'payment': 8561, 'final_payment': 8559, 'total_interest': 2744}], ['control 4', {'principal': 12345, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 206, 'final_payment': 191, 'total_interest': 0}], ['control 5', {'principal': 100000, 'rate_bp': 725, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [604, 604, 604], 'payment': 8664, 'final_payment': 8666, 'total_interest': 5782}], ['control 6', {'principal': 12345, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 100000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [403, 417, 417], 'payment': 1887, 'final_payment': 1894, 'total_interest': 14464}], ['control 1', {'principal': 12345, 'rate_bp': 725, 'io_months': 1, 'amort_months': 12, 'fund_day': 2}, {'io_bills': [72], 'payment': 1070, 'final_payment': 1065, 'total_interest': 562}], ['control 2', {'principal': 3000000, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 29}, {'io_bills': [1208], 'payment': 59758, 'final_payment': 59764, 'total_interest': 586694}], ['control 3', {'principal': 250000, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [806], 'payment': 4980, 'final_payment': 4967, 'total_interest': 49593}], ['control 4', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 30}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 4167, 'final_payment': 4159, 'total_interest': 0}], ['control 5', {'principal': 3000000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 125000, 'final_payment': 125000, 'total_interest': 0}], ['control 6', {'principal': 3000000, 'rate_bp': 500, 'io_months': 1, 'amort_months': 12, 'fund_day': 30}, {'io_bills': [417], 'payment': 256822, 'final_payment': 256827, 'total_interest': 82286}]]]\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":"fca6018b44ff0eccdfd77f56dac3c31250e89f5940352e75df6ce38c6063c555","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    P = x['principal']\n    io_bills = []\n    total_int = 0\n    for m in range(x['io_months']):\n        days = 31 - x['fund_day']\n        interest = rnd(P * bp * days, 120000 * 30)\n        io_bills.append(interest)\n        total_int += interest\n    pay = level(P, x['amort_months'])\n    bal = P\n    final = 0\n    for k in range(1, x['amort_months'] + 1):\n        interest = rnd(bal * bp, 120000)\n        total_int += interest\n        if k == x['amort_months']:\n            final = bal + interest\n        else:\n            bal -= pay - interest\n    return {'io_bills': io_bills, 'payment': pay, 'final_payment': final, 'total_interest': total_int}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: stub month selection', {'principal': 12345, 'rate_bp': 725, 'io_months': 12, 'amort_months': 12, 'fund_day': 15}, {'io_bills': [40, 75, 75, 75, 75, 75, 75, 75, 75, 75, 75, 75], 'payment': 1070, 'final_payment': 1065, 'total_interest': 1355}], ['control 1', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 60, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 56614, 'final_payment': 56596, 'total_interest': 434322}], ['control 2', {'principal': 12345, 'rate_bp': 0, 'io_months': 1, 'amort_months': 24, 'fund_day': 2}, {'io_bills': [0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}], ['control 3', {'principal': 3000000, 'rate_bp': 725, 'io_months': 2, 'amort_months': 1, 'fund_day': 1}, {'io_bills': [18125, 18125], 'payment': 3018125, 'final_payment': 3018125, 'total_interest': 54375}], ['control 4', {'principal': 12345, 'rate_bp': 0, 'io_months': 1, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0], 'payment': 12345, 'final_payment': 12345, 'total_interest': 0}], ['control 5', {'principal': 12345, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [72], 'payment': 246, 'final_payment': 239, 'total_interest': 2480}], ['control 6', {'principal': 250000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 4167, 'final_payment': 4147, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 250000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 60, 'fund_day': 30}, {'io_bills': [35, 1042], 'payment': 4718, 'final_payment': 4703, 'total_interest': 34142}], ['control 1', {'principal': 12345, 'rate_bp': 0, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [0, 0, 0], 'payment': 1029, 'final_payment': 1026, 'total_interest': 0}], ['control 2', {'principal': 100000, 'rate_bp': 725, 'io_months': 2, 'amort_months': 60, 'fund_day': 1}, {'io_bills': [604, 604], 'payment': 1992, 'final_payment': 1987, 'total_interest': 20723}], ['control 3', {'principal': 3000000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 50000, 'final_payment': 50000, 'total_interest': 0}], ['control 4', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 256822, 'final_payment': 256827, 'total_interest': 119369}], ['control 5', {'principal': 250000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 10417, 'final_payment': 10409, 'total_interest': 0}], ['control 6', {'principal': 3000000, 'rate_bp': 0, 'io_months': 2, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0, 0], 'payment': 3000000, 'final_payment': 3000000, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 3000000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 24, 'fund_day': 29}, {'io_bills': [833, 12500], 'payment': 131614, 'final_payment': 131618, 'total_interest': 172073}], ['control 1', {'principal': 3000000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 24, 'fund_day': 1}, {'io_bills': [12500, 12500, 12500], 'payment': 131614, 'final_payment': 131618, 'total_interest': 196240}], ['control 2', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 29}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 4167, 'final_payment': 4159, 'total_interest': 0}], ['control 3', {'principal': 12345, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 30}, {'io_bills': [0, 0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}], ['control 4', {'principal': 250000, 'rate_bp': 0, 'io_months': 1, 'amort_months': 1, 'fund_day': 30}, {'io_bills': [0], 'payment': 250000, 'final_payment': 250000, 'total_interest': 0}], ['control 5', {'principal': 250000, 'rate_bp': 500, 'io_months': 2, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [1042, 1042], 'payment': 21402, 'final_payment': 21400, 'total_interest': 8906}], ['control 6', {'principal': 250000, 'rate_bp': 1200, 'io_months': 1, 'amort_months': 1, 'fund_day': 15}, {'io_bills': [1333], 'payment': 252500, 'final_payment': 252500, 'total_interest': 3833}]], [['regression: stub month selection', {'principal': 250000, 'rate_bp': 500, 'io_months': 12, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [556, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042, 1042], 'payment': 4718, 'final_payment': 4703, 'total_interest': 45083}], ['control 1', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 29}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 1667, 'final_payment': 1647, 'total_interest': 0}], ['control 2', {'principal': 250000, 'rate_bp': 0, 'io_months': 3, 'amort_months': 1, 'fund_day': 2}, {'io_bills': [0, 0, 0], 'payment': 250000, 'final_payment': 250000, 'total_interest': 0}], ['control 3', {'principal': 100000, 'rate_bp': 500, 'io_months': 1, 'amort_months': 12, 'fund_day': 30}, {'io_bills': [14], 'payment': 8561, 'final_payment': 8559, 'total_interest': 2744}], ['control 4', {'principal': 12345, 'rate_bp': 0, 'io_months': 12, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 206, 'final_payment': 191, 'total_interest': 0}], ['control 5', {'principal': 100000, 'rate_bp': 725, 'io_months': 3, 'amort_months': 12, 'fund_day': 1}, {'io_bills': [604, 604, 604], 'payment': 8664, 'final_payment': 8666, 'total_interest': 5782}], ['control 6', {'principal': 12345, 'rate_bp': 0, 'io_months': 2, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0], 'payment': 514, 'final_payment': 523, 'total_interest': 0}]], [['regression: stub month selection', {'principal': 100000, 'rate_bp': 500, 'io_months': 3, 'amort_months': 60, 'fund_day': 2}, {'io_bills': [403, 417, 417], 'payment': 1887, 'final_payment': 1894, 'total_interest': 14464}], ['control 1', {'principal': 12345, 'rate_bp': 725, 'io_months': 1, 'amort_months': 12, 'fund_day': 2}, {'io_bills': [72], 'payment': 1070, 'final_payment': 1065, 'total_interest': 562}], ['control 2', {'principal': 3000000, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 29}, {'io_bills': [1208], 'payment': 59758, 'final_payment': 59764, 'total_interest': 586694}], ['control 3', {'principal': 250000, 'rate_bp': 725, 'io_months': 1, 'amort_months': 60, 'fund_day': 15}, {'io_bills': [806], 'payment': 4980, 'final_payment': 4967, 'total_interest': 49593}], ['control 4', {'principal': 100000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 30}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 4167, 'final_payment': 4159, 'total_interest': 0}], ['control 5', {'principal': 3000000, 'rate_bp': 0, 'io_months': 12, 'amort_months': 24, 'fund_day': 15}, {'io_bills': [0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0], 'payment': 125000, 'final_payment': 125000, 'total_interest': 0}], ['control 6', {'principal': 3000000, 'rate_bp': 500, 'io_months': 1, 'amort_months': 12, 'fund_day': 30}, {'io_bills': [417], 'payment': 256822, 'final_payment': 256827, 'total_interest': 82286}]]]\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-interest-only-then-amortizing-stub-month-selection","generated_at":"2026-09-29T14:46:26.803919+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 stub proration is applied to all interest-only months.","sha256":"3ba7042d60fd44a0c11adbe819165317fa44f9ee229ccad03755b4b8cf4fc943","title":"Interest-only period with funding stub: stub month selection · 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":40.939,"exit_code":1,"observations":[{"actual":{"final_payment":1065,"io_bills":[75,75,75,75,75,75,75,75,75,75,75,40],"payment":1070,"total_interest":1355},"check":"regression: stub month selection","expected":{"final_payment":1065,"io_bills":[40,75,75,75,75,75,75,75,75,75,75,75],"payment":1070,"total_interest":1355},"passed":false},{"actual":{"final_payment":56596,"io_bills":[12500,12500,12500],"payment":56614,"total_interest":434322},"check":"control 1","expected":{"final_payment":56596,"io_bills":[12500,12500,12500],"payment":56614,"total_interest":434322},"passed":true},{"actual":{"final_payment":523,"io_bills":[0],"payment":514,"total_interest":0},"check":"control 2","expected":{"final_payment":523,"io_bills":[0],"payment":514,"total_interest":0},"passed":true},{"actual":{"final_payment":3018125,"io_bills":[18125,18125],"payment":3018125,"total_interest":54375},"check":"control 3","expected":{"final_payment":3018125,"io_bills":[18125,18125],"payment":3018125,"total_interest":54375},"passed":true},{"actual":{"final_payment":12345,"io_bills":[0],"payment":12345,"total_interest":0},"check":"control 4","expected":{"final_payment":12345,"io_bills":[0],"payment":12345,"total_interest":0},"passed":true},{"actual":{"final_payment":239,"io_bills":[72],"payment":246,"total_interest":2480},"check":"control 5","expected":{"final_payment":239,"io_bills":[72],"payment":246,"total_interest":2480},"passed":true},{"actual":{"final_payment":4147,"io_bills":[0,0],"payment":4167,"total_interest":0},"check":"control 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