{"abstract":"Escrow balances increase the payoff amount.","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'}.","contract_signature":"x","evaluation_group":"w2-loan-amortization-schedules-payoff-quote-per-diem","failed_approach":"Ignoring escrow deficits omits amounts the borrower owes.","family":"w2-loan-amortization-schedules-payoff-quote-per-diem-escrow-credit","id":"FA-58661","implementations":{"attempt":{"sha256":"ed621215449e0c0dcd1de59632ce47423d931c6b182c8498d44f1539d888853d","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 - max(x['escrow'], 0)\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: escrow credit', {'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 1', {'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 2', {'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 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 160}, {'per_diem': 2029, 'interest': 2029, 'penalty': 246914, 'payoff': 12598121}], ['control 4', {'balance': 100000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 16, 'interest': 720, 'penalty': 0, 'payoff': 104220}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 25}, {'per_diem': 1543, 'interest': 47833, 'penalty': 0, 'payoff': 12393511}], ['control 6', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 1522, 'interest': 22830, 'penalty': 123457, 'payoff': 12491965}]], [['regression: escrow credit', {'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': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 100}, {'per_diem': 342, 'interest': 342, 'penalty': 0, 'payoff': 1000341}], ['control 5', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 70}, {'per_diem': 1, 'interest': 45, 'penalty': 50, 'payoff': 8595}], ['control 6', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 35, 'interest': 35, 'penalty': 0, 'payoff': 100035}]], [['regression: escrow credit', {'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 1', {'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 2', {'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}], ['control 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 115}, {'per_diem': 2058, 'interest': 63798, 'penalty': 0, 'payoff': 12409476}], ['control 4', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 31}, {'per_diem': 35, 'interest': 1575, 'penalty': 0, 'payoff': 101575}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12392860}], ['control 6', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 1543, 'interest': 47833, 'penalty': 0, 'payoff': 12393511}]], [['regression: escrow credit', {'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': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 61}, {'per_diem': 34, 'interest': 1530, 'penalty': 0, 'payoff': 101530}], ['control 3', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 100}, {'per_diem': 4228, 'interest': 63420, 'penalty': 0, 'payoff': 12412598}], ['control 4', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 160}, {'per_diem': 13, 'interest': 195, 'penalty': 0, 'payoff': 100195}], ['control 5', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 12, 'interest': 12, 'penalty': 2000, 'payoff': 105512}], ['control 6', {'balance': 5000, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 16}, {'per_diem': 1, 'interest': 30, 'penalty': 0, 'payoff': 5030}]], [['regression: escrow credit', {'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 1', {'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 2', {'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 3', {'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}], ['control 4', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 2029, 'interest': 30435, 'penalty': 246914, 'payoff': 12623027}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12396360}], ['control 6', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 1, 'payoff_day': 32, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 164, 'interest': 5084, 'penalty': 0, 'payoff': 1005083}]]]\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":"c3d7ed826f9c07f29af203ca2751b757e78a8a7a16eac359d4b69936b0660dd3","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: escrow credit', {'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 1', {'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 2', {'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 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 160}, {'per_diem': 2029, 'interest': 2029, 'penalty': 246914, 'payoff': 12598121}], ['control 4', {'balance': 100000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 16, 'interest': 720, 'penalty': 0, 'payoff': 104220}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 25}, {'per_diem': 1543, 'interest': 47833, 'penalty': 0, 'payoff': 12393511}], ['control 6', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 160}, {'per_diem': 1522, 'interest': 22830, 'penalty': 123457, 'payoff': 12491965}]], [['regression: escrow credit', {'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': 999999, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 100}, {'per_diem': 342, 'interest': 342, 'penalty': 0, 'payoff': 1000341}], ['control 5', {'balance': 5000, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 55, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 70}, {'per_diem': 1, 'interest': 45, 'penalty': 50, 'payoff': 8595}], ['control 6', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 10, 'payoff_day': 11, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 35, 'interest': 35, 'penalty': 0, 'payoff': 100035}]], [['regression: escrow credit', {'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 1', {'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 2', {'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}], ['control 3', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 115}, {'per_diem': 2058, 'interest': 63798, 'penalty': 0, 'payoff': 12409476}], ['control 4', {'balance': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 31}, {'per_diem': 35, 'interest': 1575, 'penalty': 0, 'payoff': 101575}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12392860}], ['control 6', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 10, 'payoff_day': 41, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 40}, {'per_diem': 1543, 'interest': 47833, 'penalty': 0, 'payoff': 12393511}]], [['regression: escrow credit', {'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': 100000, 'rate_bp': 1250, 'last_paid_day': 1, 'payoff_day': 46, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 61}, {'per_diem': 34, 'interest': 1530, 'penalty': 0, 'payoff': 101530}], ['control 3', {'balance': 12345678, 'rate_bp': 1250, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 100}, {'per_diem': 4228, 'interest': 63420, 'penalty': 0, 'payoff': 12412598}], ['control 4', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 115, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 160}, {'per_diem': 13, 'interest': 195, 'penalty': 0, 'payoff': 100195}], ['control 5', {'balance': 100000, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 101, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 130}, {'per_diem': 12, 'interest': 12, 'penalty': 2000, 'payoff': 105512}], ['control 6', {'balance': 5000, 'rate_bp': 450, 'last_paid_day': 1, 'payoff_day': 31, 'basis': 360, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 0, 'penalty_until': 16}, {'per_diem': 1, 'interest': 30, 'penalty': 0, 'payoff': 5030}]], [['regression: escrow credit', {'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 1', {'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 2', {'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 3', {'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}], ['control 4', {'balance': 12345678, 'rate_bp': 600, 'last_paid_day': 10, 'payoff_day': 25, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 200, 'penalty_until': 40}, {'per_diem': 2029, 'interest': 30435, 'penalty': 246914, 'payoff': 12623027}], ['control 5', {'balance': 12345678, 'rate_bp': 450, 'last_paid_day': 100, 'payoff_day': 131, 'basis': 365, 'fees_due': 3500, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 130}, {'per_diem': 1522, 'interest': 47182, 'penalty': 0, 'payoff': 12396360}], ['control 6', {'balance': 999999, 'rate_bp': 600, 'last_paid_day': 1, 'payoff_day': 32, 'basis': 365, 'fees_due': 0, 'escrow': 0, 'penalty_bp': 100, 'penalty_until': 1}, {'per_diem': 164, 'interest': 5084, 'penalty': 0, 'payoff': 1005083}]]]\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-escrow-credit","generated_at":"2026-09-29T14:46:28.844118+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":"Escrow is added instead of credited.","sha256":"12b400f075e40f90bf4ef1cb66e69960ad1a6347c8fb975ff80dd6410d667fff","title":"Payoff quote with per diem: escrow credit · 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":41.185,"exit_code":1,"observations":[{"actual":{"interest":765,"payoff":104265,"penalty":0,"per_diem":17},"check":"regression: escrow credit","expected":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"passed":false},{"actual":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"check":"control 1","expected":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"passed":true},{"actual":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"check":"control 2","expected":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"passed":true},{"actual":{"interest":2029,"payoff":12598121,"penalty":246914,"per_diem":2029},"check":"control 3","expected":{"interest":2029,"payoff":12598121,"penalty":246914,"per_diem":2029},"passed":true},{"actual":{"interest":720,"payoff":104220,"penalty":0,"per_diem":16},"check":"control 4","expected":{"interest":720,"payoff":104220,"penalty":0,"per_diem":16},"passed":true},{"actual":{"interest":47833,"payoff":12393511,"penalty":0,"per_diem":1543},"check":"control 5","expected":{"interest":47833,"payoff":12393511,"penalty":0,"per_diem":1543},"passed":true},{"actual":{"interest":22830,"payoff":12491965,"penalty":123457,"per_diem":1522},"check":"control 6","expected":{"interest":22830,"payoff":12491965,"penalty":123457,"per_diem":1522},"passed":true}],"passed":false,"stderr":"","stdout":"{\"observations\": [{\"check\": \"regression: escrow credit\", \"actual\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 104265}, \"expected\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"passed\": false}, {\"check\": \"control 1\", \"actual\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"expected\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"passed\": true}, {\"check\": \"control 2\", \"actual\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"expected\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"passed\": true}, {\"check\": \"control 3\", \"actual\": {\"per_diem\": 2029, \"interest\": 2029, \"penalty\": 246914, \"payoff\": 12598121}, \"expected\": {\"per_diem\": 2029, \"interest\": 2029, \"penalty\": 246914, \"payoff\": 12598121}, \"passed\": true}, {\"check\": \"control 4\", \"actual\": {\"per_diem\": 16, \"interest\": 720, \"penalty\": 0, \"payoff\": 104220}, \"expected\": {\"per_diem\": 16, \"interest\": 720, \"penalty\": 0, \"payoff\": 104220}, \"passed\": true}, {\"check\": \"control 5\", \"actual\": {\"per_diem\": 1543, \"interest\": 47833, \"penalty\": 0, \"payoff\": 12393511}, \"expected\": {\"per_diem\": 1543, \"interest\": 47833, \"penalty\": 0, \"payoff\": 12393511}, \"passed\": true}, {\"check\": \"control 6\", \"actual\": {\"per_diem\": 1522, \"interest\": 22830, \"penalty\": 123457, \"payoff\": 12491965}, \"expected\": {\"per_diem\": 1522, \"interest\": 22830, \"penalty\": 123457, \"payoff\": 12491965}, \"passed\": true}], \"passed\": false}\n"},"broken":{"elapsed_ms":40.29,"exit_code":1,"observations":[{"actual":{"interest":765,"payoff":100265,"penalty":0,"per_diem":17},"check":"regression: escrow credit","expected":{"interest":765,"payoff":108265,"penalty":0,"per_diem":17},"passed":false},{"actual":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"check":"control 1","expected":{"interest":164,"payoff":1000163,"penalty":0,"per_diem":164},"passed":true},{"actual":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"check":"control 2","expected":{"interest":69435,"payoff":12415113,"penalty":0,"per_diem":1543},"passed":true},{"actual":{"interest":2029,"payoff":12598121,"penalty":246914,"per_diem":2029},"check":"control 3","expected":{"interest":2029,"payoff":12598121,"penalty":246914,"per_diem":2029},"passed":true},{"actual":{"interest":720,"payoff":104220,"penalty":0,"per_diem":16},"check":"control 4","expected":{"interest":720,"payoff":104220,"penalty":0,"per_diem":16},"passed":true},{"actual":{"interest":47833,"payoff":12393511,"penalty":0,"per_diem":1543},"check":"control 5","expected":{"interest":47833,"payoff":12393511,"penalty":0,"per_diem":1543},"passed":true},{"actual":{"interest":22830,"payoff":12491965,"penalty":123457,"per_diem":1522},"check":"control 6","expected":{"interest":22830,"payoff":12491965,"penalty":123457,"per_diem":1522},"passed":true}],"passed":false,"stderr":"","stdout":"{\"observations\": [{\"check\": \"regression: escrow credit\", \"actual\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 100265}, \"expected\": {\"per_diem\": 17, \"interest\": 765, \"penalty\": 0, \"payoff\": 108265}, \"passed\": false}, {\"check\": \"control 1\", \"actual\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"expected\": {\"per_diem\": 164, \"interest\": 164, \"penalty\": 0, \"payoff\": 1000163}, \"passed\": true}, {\"check\": \"control 2\", \"actual\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"expected\": {\"per_diem\": 1543, \"interest\": 69435, \"penalty\": 0, \"payoff\": 12415113}, \"passed\": true}, {\"check\": \"control 3\", \"actual\": {\"per_diem\": 2029, \"interest\": 2029, \"penalty\": 246914, \"payoff\": 12598121}, \"expected\": {\"per_diem\": 2029, \"interest\": 2029, \"penalty\": 246914, \"payoff\": 12598121}, \"passed\": true}, {\"check\": \"control 4\", \"actual\": {\"per_diem\": 16, \"interest\": 720, \"penalty\": 0, \"payoff\": 104220}, \"expected\": {\"per_diem\": 16, \"interest\": 720, \"penalty\": 0, \"payoff\": 104220}, \"passed\": true}, {\"check\": \"control 5\", \"actual\": {\"per_diem\": 1543, \"interest\": 47833, \"penalty\": 0, \"payoff\": 12393511}, \"expected\": {\"per_diem\": 1543, \"interest\": 47833, \"penalty\": 0, \"payoff\": 12393511}, \"passed\": true}, {\"check\": \"control 6\", \"actual\": {\"per_diem\": 1522, \"interest\": 22830, \"penalty\": 123457, \"payoff\": 12491965}, \"expected\": {\"per_diem\": 1522, \"interest\": 22830, \"penalty\": 123457, \"payoff\": 12491965}, \"passed\": true}], \"passed\": false}\n"}},"member_only":{"stages":["fixed"],"fields":["implementations.fixed","verification.fixed","harness","repair"],"note":"The verified repair, its recorded checks, the repair description, and the scoring harness are available to members."}}