{"abstract":"Payoffs on the last day of the penalty window escape the prepayment penalty.","category":"Loan amortization schedules","checks":7,"contract":"x = {'balance', 'rate_bp', 'last_paid_day', 'payoff_day', 'basis', 'fees_due', 'escrow' (credit, may be negative), 'penalty_bp', 'penalty_until'}. Per diem = round_half_up(balance*bp/(10000*basis)); interest = per diem * (payoff_day - last_paid_day). Penalty = round_half_up(balance*penalty_bp/10000) when payoff_day <= penalty_until, else 0. Payoff = balance + interest + fees + penalty - escrow. Return {'per_diem', 'interest', 'penalty', 'payoff'}.","evaluation_group":"w2-loan-amortization-schedules-payoff-quote-per-diem","failed_approach":"Testing the last paid day applies the penalty to payoffs after the window.","family":"w2-loan-amortization-schedules-payoff-quote-per-diem-penalty-window","id":"FA-58656","implementations":{"attempt":{"sha256":"784c89f4b754a50438111bfeeb117b6688b800a976b6033df756c02abea03c8c","source":"\"\"\"Failure Map reference implementation. Python standard library only.\"\"\"\nimport json\n\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    per_diem = rnd(x['balance'] * x['rate_bp'], 10000 * x['basis'])\n    days = x['payoff_day'] - x['last_paid_day']\n    interest = per_diem * days\n    penalty = rnd(x['balance'] * x['penalty_bp'], 10000) if x['last_paid_day'] <= x['penalty_until'] else 0\n    payoff = x['balance'] + interest + x['fees_due'] + penalty - x['escrow']\n    return {'per_diem': per_diem, 'interest': interest, 'penalty': penalty, 'payoff': payoff}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: penalty window', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 115}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 164, 'interest': 164, 'penalty': 0, 'payoff': 1000163}], ['control 1', {'balance': 100000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 145, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 115}, {'per_diem': 17, 'interest': 765, 'penalty': 0, 'payoff': 108265}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 16, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 31}, {'per_diem': 35, 'interest': 525, 'penalty': 1000, 'payoff': 93025}], ['control 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 2058, 'interest': 63798, 'penalty': 0, 'payoff': 12400976}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 25}, {'per_diem': 1543, 'interest': 69435, 'penalty': 0, 'payoff': 12415113}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 25}, {'per_diem': 2, 'interest': 62, 'penalty': 0, 'payoff': -6938}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12661832}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 342, 'interest': 15390, 'penalty': 0, 'payoff': 1022889}], ['control 1', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 61}, {'per_diem': 13, 'interest': 13, 'penalty': 2000, 'payoff': 105513}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 34, 'interest': 510, 'penalty': 0, 'payoff': 100510}], ['control 3', {'balance': 999999, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 61}, {'per_diem': 125, 'interest': 3750, 'penalty': 0, 'payoff': 1007249}], ['control 4', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 4228, 'penalty': 0, 'payoff': 12337906}], ['control 5', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 12, 'interest': 12, 'penalty': 2000, 'payoff': 90012}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 31}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12654332}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12383468}], ['control 1', {'balance': 5000, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 1, 'interest': 45, 'penalty': 0, 'payoff': 9045}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 31}, {'per_diem': 35, 'interest': 1575, 'penalty': 0, 'payoff': 89575}], ['control 3', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 342, 'interest': 5130, 'penalty': 0, 'payoff': 1005129}], ['control 4', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 34, 'interest': 34, 'penalty': 0, 'payoff': 91534}], ['control 5', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 35, 'interest': 1050, 'penalty': 0, 'payoff': 108550}]], [['regression: penalty window', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2, 'interest': 60, 'penalty': 100, 'payoff': 5160}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 32, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12400360}], ['control 1', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 70}, {'per_diem': 1, 'interest': 30, 'penalty': 100, 'payoff': 8630}], ['control 2', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 2, 'interest': 90, 'penalty': 0, 'payoff': -6910}], ['control 3', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 100}, {'per_diem': 1, 'interest': 30, 'penalty': 0, 'payoff': 12530}], ['control 4', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 2, 'interest': 30, 'penalty': 50, 'payoff': -3420}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 126840, 'penalty': 123457, 'payoff': 12587475}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 347, 'interest': 10757, 'penalty': 0, 'payoff': 1014256}], ['control 1', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 1543, 'interest': 23145, 'penalty': 123457, 'payoff': 12495780}], ['control 2', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 1522, 'penalty': 123457, 'payoff': 12478157}], ['control 3', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 45660, 'penalty': 0, 'payoff': 12379338}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 1}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12399468}], ['control 5', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 70}, {'per_diem': 167, 'interest': 5010, 'penalty': 0, 'payoff': 1005009}]]]\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":"6c4be0235374e3e218a4d0d722442ea10ac636a11c9fb327a96e03f2f448d70b","source":"\"\"\"Failure Map reference implementation. Python standard library only.\"\"\"\nimport json\n\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    per_diem = rnd(x['balance'] * x['rate_bp'], 10000 * x['basis'])\n    days = x['payoff_day'] - x['last_paid_day']\n    interest = per_diem * days\n    penalty = rnd(x['balance'] * x['penalty_bp'], 10000) if x['payoff_day'] < x['penalty_until'] else 0\n    payoff = x['balance'] + interest + x['fees_due'] + penalty - x['escrow']\n    return {'per_diem': per_diem, 'interest': interest, 'penalty': penalty, 'payoff': payoff}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: penalty window', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 115}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 164, 'interest': 164, 'penalty': 0, 'payoff': 1000163}], ['control 1', {'balance': 100000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 145, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 115}, {'per_diem': 17, 'interest': 765, 'penalty': 0, 'payoff': 108265}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 16, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 31}, {'per_diem': 35, 'interest': 525, 'penalty': 1000, 'payoff': 93025}], ['control 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 2058, 'interest': 63798, 'penalty': 0, 'payoff': 12400976}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 25}, {'per_diem': 1543, 'interest': 69435, 'penalty': 0, 'payoff': 12415113}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 25}, {'per_diem': 2, 'interest': 62, 'penalty': 0, 'payoff': -6938}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12661832}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 342, 'interest': 15390, 'penalty': 0, 'payoff': 1022889}], ['control 1', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 61}, {'per_diem': 13, 'interest': 13, 'penalty': 2000, 'payoff': 105513}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 34, 'interest': 510, 'penalty': 0, 'payoff': 100510}], ['control 3', {'balance': 999999, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 61}, {'per_diem': 125, 'interest': 3750, 'penalty': 0, 'payoff': 1007249}], ['control 4', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 4228, 'penalty': 0, 'payoff': 12337906}], ['control 5', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 12, 'interest': 12, 'penalty': 2000, 'payoff': 90012}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 31}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12654332}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12383468}], ['control 1', {'balance': 5000, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 1, 'interest': 45, 'penalty': 0, 'payoff': 9045}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 31}, {'per_diem': 35, 'interest': 1575, 'penalty': 0, 'payoff': 89575}], ['control 3', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 342, 'interest': 5130, 'penalty': 0, 'payoff': 1005129}], ['control 4', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 34, 'interest': 34, 'penalty': 0, 'payoff': 91534}], ['control 5', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 35, 'interest': 1050, 'penalty': 0, 'payoff': 108550}]], [['regression: penalty window', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2, 'interest': 60, 'penalty': 100, 'payoff': 5160}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 32, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12400360}], ['control 1', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 70}, {'per_diem': 1, 'interest': 30, 'penalty': 100, 'payoff': 8630}], ['control 2', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 2, 'interest': 90, 'penalty': 0, 'payoff': -6910}], ['control 3', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 100}, {'per_diem': 1, 'interest': 30, 'penalty': 0, 'payoff': 12530}], ['control 4', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 2, 'interest': 30, 'penalty': 50, 'payoff': -3420}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 126840, 'penalty': 123457, 'payoff': 12587475}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 347, 'interest': 10757, 'penalty': 0, 'payoff': 1014256}], ['control 1', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 1543, 'interest': 23145, 'penalty': 123457, 'payoff': 12495780}], ['control 2', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 1522, 'penalty': 123457, 'payoff': 12478157}], ['control 3', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 45660, 'penalty': 0, 'payoff': 12379338}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 1}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12399468}], ['control 5', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 70}, {'per_diem': 167, 'interest': 5010, 'penalty': 0, 'payoff': 1005009}]]]\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"},"fixed":{"sha256":"2dcaff10c8f6c17b0fc9ad6e52d3deb9440d7c5d836273d6b7633cd8779ded9d","source":"\"\"\"Failure Map reference implementation. Python standard library only.\"\"\"\nimport json\n\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    per_diem = rnd(x['balance'] * x['rate_bp'], 10000 * x['basis'])\n    days = x['payoff_day'] - x['last_paid_day']\n    interest = per_diem * days\n    penalty = rnd(x['balance'] * x['penalty_bp'], 10000) if x['payoff_day'] <= x['penalty_until'] else 0\n    payoff = x['balance'] + interest + x['fees_due'] + penalty - x['escrow']\n    return {'per_diem': per_diem, 'interest': interest, 'penalty': penalty, 'payoff': payoff}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: penalty window', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 115}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 164, 'interest': 164, 'penalty': 0, 'payoff': 1000163}], ['control 1', {'balance': 100000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 145, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 115}, {'per_diem': 17, 'interest': 765, 'penalty': 0, 'payoff': 108265}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 16, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 31}, {'per_diem': 35, 'interest': 525, 'penalty': 1000, 'payoff': 93025}], ['control 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 2058, 'interest': 63798, 'penalty': 0, 'payoff': 12400976}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 25}, {'per_diem': 1543, 'interest': 69435, 'penalty': 0, 'payoff': 12415113}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 25}, {'per_diem': 2, 'interest': 62, 'penalty': 0, 'payoff': -6938}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12661832}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 342, 'interest': 15390, 'penalty': 0, 'payoff': 1022889}], ['control 1', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 61}, {'per_diem': 13, 'interest': 13, 'penalty': 2000, 'payoff': 105513}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 10}, {'per_diem': 34, 'interest': 510, 'penalty': 0, 'payoff': 100510}], ['control 3', {'balance': 999999, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 61}, {'per_diem': 125, 'interest': 3750, 'penalty': 0, 'payoff': 1007249}], ['control 4', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 4228, 'penalty': 0, 'payoff': 12337906}], ['control 5', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 12, 'interest': 12, 'penalty': 2000, 'payoff': 90012}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 31}, {'per_diem': 2058, 'interest': 61740, 'penalty': 246914, 'payoff': 12654332}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12383468}], ['control 1', {'balance': 5000, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 1, 'interest': 45, 'penalty': 0, 'payoff': 9045}], ['control 2', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 31}, {'per_diem': 35, 'interest': 1575, 'penalty': 0, 'payoff': 89575}], ['control 3', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 342, 'interest': 5130, 'penalty': 0, 'payoff': 1005129}], ['control 4', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 2, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 34, 'interest': 34, 'penalty': 0, 'payoff': 91534}], ['control 5', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 35, 'interest': 1050, 'penalty': 0, 'payoff': 108550}]], [['regression: penalty window', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 2, 'interest': 60, 'penalty': 100, 'payoff': 5160}], ['regression: penalty window, partial-repair probe', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 32, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12400360}], ['control 1', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 70}, {'per_diem': 1, 'interest': 30, 'penalty': 100, 'payoff': 8630}], ['control 2', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 16}, {'per_diem': 2, 'interest': 90, 'penalty': 0, 'payoff': -6910}], ['control 3', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 100}, {'per_diem': 1, 'interest': 30, 'penalty': 0, 'payoff': 12530}], ['control 4', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 347, 'interest': 5205, 'penalty': 20000, 'payoff': 1029204}], ['control 5', {'balance': 5000, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 2, 'interest': 30, 'penalty': 50, 'payoff': -3420}]], [['regression: penalty window', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 365, 'fees_due': 3500, 'escrow': 12000, 'penalty_bp': 100, 'penalty_until': 40}, {'per_diem': 4228, 'interest': 126840, 'penalty': 123457, 'payoff': 12587475}], ['regression: penalty window, partial-repair probe', {'balance': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 115}, {'per_diem': 347, 'interest': 10757, 'penalty': 0, 'payoff': 1014256}], ['control 1', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 1543, 'interest': 23145, 'penalty': 123457, 'payoff': 12495780}], ['control 2', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 100, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 1522, 'penalty': 123457, 'payoff': 12478157}], ['control 3', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 130, 'basis': 365, 'fees_due': 0, 'escrow': 12000, 'penalty_bp': 0, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 45660, 'penalty': 0, 'payoff': 12379338}], ['control 4', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 3500, 'escrow': -4000, 'penalty_bp': 200, 'penalty_until': 1}, {'per_diem': 1543, 'interest': 46290, 'penalty': 0, 'payoff': 12399468}], ['control 5', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 40, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 70}, {'per_diem': 167, 'interest': 5010, 'penalty': 0, 'payoff': 1005009}]]]\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-payoff-quote-per-diem-penalty-window","generated_at":"2026-09-29T14:46:28.827855+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.","repair":"Apply the penalty through penalty_until inclusive.","root_cause":"The penalty window end is exclusive.","sha256":"f53182e958999cd004ef2db4f386072b82fb21d58ae3ca92ad6c59409c4ee8a8","title":"Payoff quote with per diem: penalty window · case 01","variant":1,"variant_policy":"Five numbered records share a model and may reuse boundary fixtures.","verification":{"attempt":{"elapsed_ms":42.28,"exit_code":1,"observations":[{"actual":{"interest":5205,"payoff":1029204,"penalty":20000,"per_diem":347},"check":"regression: penalty window","expected":{"interest":5205,"payoff":1029204,"penalty":20000,"per_diem":347},"passed":true},{"actual":{"interest":164,"payoff":1010163,"penalty":10000,"per_diem":164},"check":"regression: penalty window, partial-repair probe","expected":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"passed":false},{"actual":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"check":"control 1","expected":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"passed":true},{"actual":{"interest":525,"payoff":93025,"penalty":1000,"per_diem":35},"check":"control 2","expected":{"interest":525,"payoff":93025,"penalty":1000,"per_diem":35},"passed":true},{"actual":{"interest":63798,"payoff":12647890,"penalty":246914,"per_diem":2058},"check":"control 3","expected":{"interest":63798,"payoff":12400976,"penalty":0,"per_diem":2058},"passed":false},{"actual":{"interest":69435,"payoff":12538570,"penalty":123457,"per_diem":1543},"check":"control 4","expected":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"passed":false},{"actual":{"interest":62,"payoff":-6938,"penalty":0,"per_diem":2},"check":"control 5","expected":{"interest":62,"payoff":-6938,"penalty":0,"per_diem":2},"passed":true}],"passed":false,"stderr":"","stdout":"{\"observations\": [{\"check\": \"regression: penalty window\", \"actual\": {\"per_diem\": 347, \"interest\": 5205, \"penalty\": 20000, \"payoff\": 1029204}, \"expected\": {\"per_diem\": 347, \"interest\": 5205, \"penalty\": 20000, \"payoff\": 1029204}, \"passed\": true}, {\"check\": \"regression: penalty window, partial-repair probe\", \"actual\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 10000, \"payoff\": 1010163}, \"expected\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"passed\": false}, {\"check\": \"control 1\", \"actual\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"expected\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"passed\": true}, {\"check\": \"control 2\", \"actual\": {\"per_diem\": 35, \"interest\": 525, \"penalty\": 1000, \"payoff\": 93025}, \"expected\": {\"per_diem\": 35, \"interest\": 525, \"penalty\": 1000, \"payoff\": 93025}, \"passed\": true}, {\"check\": \"control 3\", \"actual\": {\"per_diem\": 2058, \"interest\": 63798, \"penalty\": 246914, \"payoff\": 12647890}, \"expected\": {\"per_diem\": 2058, \"interest\": 63798, \"penalty\": 0, \"payoff\": 12400976}, \"passed\": false}, {\"check\": \"control 4\", \"actual\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 123457, \"payoff\": 12538570}, \"expected\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"passed\": false}, {\"check\": \"control 5\", \"actual\": {\"per_diem\": 2, \"interest\": 62, \"penalty\": 0, \"payoff\": -6938}, \"expected\": {\"per_diem\": 2, \"interest\": 62, \"penalty\": 0, \"payoff\": -6938}, \"passed\": true}], \"passed\": false}\n"},"broken":{"elapsed_ms":42.584,"exit_code":1,"observations":[{"actual":{"interest":5205,"payoff":1009204,"penalty":0,"per_diem":347},"check":"regression: penalty window","expected":{"interest":5205,"payoff":1029204,"penalty":20000,"per_diem":347},"passed":false},{"actual":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"check":"regression: penalty window, partial-repair probe","expected":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"passed":true},{"actual":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"check":"control 1","expected":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"passed":true},{"actual":{"interest":525,"payoff":93025,"penalty":1000,"per_diem":35},"check":"control 2","expected":{"interest":525,"payoff":93025,"penalty":1000,"per_diem":35},"passed":true},{"actual":{"interest":63798,"payoff":12400976,"penalty":0,"per_diem":2058},"check":"control 3","expected":{"interest":63798,"payoff":12400976,"penalty":0,"per_diem":2058},"passed":true},{"actual":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"check":"control 4","expected":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"passed":true},{"actual":{"interest":62,"payoff":-6938,"penalty":0,"per_diem":2},"check":"control 5","expected":{"interest":62,"payoff":-6938,"penalty":0,"per_diem":2},"passed":true}],"passed":false,"stderr":"","stdout":"{\"observations\": [{\"check\": \"regression: penalty window\", \"actual\": {\"per_diem\": 347, \"interest\": 5205, \"penalty\": 0, \"payoff\": 1009204}, \"expected\": {\"per_diem\": 347, \"interest\": 5205, \"penalty\": 20000, \"payoff\": 1029204}, \"passed\": false}, {\"check\": \"regression: penalty window, partial-repair probe\", \"actual\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"expected\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"passed\": true}, {\"check\": \"control 1\", \"actual\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"expected\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"passed\": true}, {\"check\": \"control 2\", \"actual\": {\"per_diem\": 35, \"interest\": 525, \"penalty\": 1000, \"payoff\": 93025}, \"expected\": {\"per_diem\": 35, \"interest\": 525, \"penalty\": 1000, \"payoff\": 93025}, \"passed\": true}, {\"check\": \"control 3\", \"actual\": {\"per_diem\": 2058, \"interest\": 63798, \"penalty\": 0, \"payoff\": 12400976}, \"expected\": {\"per_diem\": 2058, \"interest\": 63798, \"penalty\": 0, \"payoff\": 12400976}, \"passed\": true}, {\"check\": \"control 4\", \"actual\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"expected\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"passed\": true}, {\"check\": \"control 5\", \"actual\": {\"per_diem\": 2, \"interest\": 62, \"penalty\": 0, \"payoff\": -6938}, \"expected\": {\"per_diem\": 2, \"interest\": 62, \"penalty\": 0, \"payoff\": -6938}, \"passed\": true}], \"passed\": false}\n"},"fixed":{"elapsed_ms":44.025,"exit_code":0,"observations":[{"actual":{"interest":5205,"payoff":1029204,"penalty":20000,"per_diem":347},"check":"regression: penalty window","expected":{"interest":5205,"payoff":1029204,"penalty":20000,"per_diem":347},"passed":true},{"actual":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"check":"regression: penalty window, partial-repair 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