{"abstract":"Minimum payments do not cover the cycle interest.","category":"Loan amortization schedules","checks":7,"contract":"x = {'rate_bp', 'basis', 'start_balance', 'cycle_days', 'events': [[day 1..cycle_days, signed amount]], 'min_bp', 'min_floor'}. Events take effect at the start of their day. Each day adds max(balance, 0) to the accumulator; interest = round_half_up(acc*bp/(10000*basis)) once per cycle. owed = end balance + interest. Minimum = 0 if owed <= 0 else min(owed, max(min_floor, interest + round_half_up(max(end balance, 0)*min_bp/10000))). Return {'interest', 'balance': owed, 'minimum', 'adb': acc // cycle_days}.","contract_signature":"x","evaluation_group":"w2-loan-amortization-schedules-credit-line-daily-balance","failed_approach":"Taking a percentage of balance plus interest still does not cover the interest.","family":"w2-loan-amortization-schedules-credit-line-daily-balance-minimum-payment-components","id":"FA-58806","implementations":{"attempt":{"sha256":"820520129bc44d9e87f36e60fd06e8b9a40569f476ed81b2d0f6869951c5ad79","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    bal = x['start_balance']\n    ev = sorted(x['events'])\n    i = 0\n    acc = 0\n    for day in range(1, x['cycle_days'] + 1):\n        while i < len(ev) and ev[i][0] == day:\n            bal += ev[i][1]\n            i += 1\n        acc += max(bal, 0)\n    interest = rnd(acc * x['rate_bp'], 10000 * x['basis'])\n    owed = bal + interest\n    if owed <= 0:\n        minimum = 0\n    else:\n        minimum = min(owed, max(x['min_floor'], rnd(owed * x['min_bp'], 10000)))\n    return {'interest': interest, 'balance': owed, 'minimum': minimum, 'adb': acc // x['cycle_days']}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 31, 'events': [[4, 5000], [24, -20000], [10, 10000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 5129, 'balance': 1000129, 'minimum': 15079, 'adb': 1006451}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[3, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 1447, 'balance': 151447, 'minimum': 10000, 'adb': 146666}], ['control 2', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 30, 'events': [[6, -80000], [30, -80000], [3, 10000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 10, 'balance': -149990, 'minimum': 0, 'adb': 1000}], ['control 3', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [], 'min_bp': 150, 'min_floor': 2500}, {'interest': 0, 'balance': 0, 'minimum': 0, 'adb': 0}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [[27, 10000], [8, 50000], [10, -80000], [12, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 289, 'balance': 60289, 'minimum': 10000, 'adb': 44285}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[9, 10000], [16, 10000], [22, -80000], [9, 10000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 105, 'balance': -49895, 'minimum': 0, 'adb': 11428}], ['control 6', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[14, 50000], [31, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 943, 'balance': 200943, 'minimum': 10000, 'adb': 130645}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 31, 'events': [[25, 10000], [7, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 5313, 'balance': 1065313, 'minimum': 15913, 'adb': 1042580}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 28, 'events': [[1, 50000], [6, 5000], [24, 10000], [18, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 1146, 'balance': 86146, 'minimum': 2500, 'adb': 124464}], ['control 2', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 30, 'events': [[25, 10000], [30, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 12, 'balance': -9988, 'minimum': 0, 'adb': 1666}], ['control 3', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [[18, 10000], [3, -80000], [4, 5000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 20, 'balance': -34980, 'minimum': 0, 'adb': 2142}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[6, 50000], [1, -80000], [24, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 540, 'balance': 120540, 'minimum': 10000, 'adb': 74838}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 28, 'events': [[24, 50000], [22, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 957, 'balance': 130957, 'minimum': 10000, 'adb': 103928}], ['control 6', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 30, 'events': [[11, -80000], [21, 5000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 99, 'balance': -44901, 'minimum': 0, 'adb': 10000}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[8, 5000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 4620, 'balance': 1009620, 'minimum': 14670, 'adb': 1003750}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[3, 5000], [20, 5000], [25, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 44, 'balance': -9956, 'minimum': 0, 'adb': 4821}], ['control 2', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[20, 5000], [17, 10000], [26, -20000], [10, -20000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 440, 'balance': 75440, 'minimum': 2500, 'adb': 89166}], ['control 3', {'rate_bp': 850, 'basis': 365, 'start_balance': 30000, 'cycle_days': 30, 'events': [[22, -80000], [1, -80000], [8, -20000], [6, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': -230000, 'minimum': 0, 'adb': 0}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[5, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': -80000, 'minimum': 0, 'adb': 0}], ['control 5', {'rate_bp': 600, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': 0, 'minimum': 0, 'adb': 0}], ['control 6', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[10, -20000], [3, 50000], [2, -80000], [29, 5000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 275, 'balance': 55275, 'minimum': 2500, 'adb': 55666}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[23, 50000], [7, 10000], [8, 10000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 4723, 'balance': 1074723, 'minimum': 20773, 'adb': 1026071}], ['control 1', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[20, 50000], [29, -80000], [30, -80000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 773, 'balance': -9227, 'minimum': 0, 'adb': 110666}], ['control 2', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[22, 5000], [2, 50000], [3, -80000], [3, 10000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 431, 'balance': 85431, 'minimum': 2500, 'adb': 84516}], ['control 3', {'rate_bp': 600, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [], 'min_bp': 150, 'min_floor': 2500}, {'interest': 138, 'balance': 30138, 'minimum': 2500, 'adb': 30000}], ['control 4', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [], 'min_bp': 100, 'min_floor': 10000}, {'interest': 276, 'balance': 30276, 'minimum': 10000, 'adb': 30000}], ['control 5', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[12, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 349, 'balance': 20349, 'minimum': 2500, 'adb': 48387}], ['control 6', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 31, 'events': [[30, 10000], [22, -20000], [23, 5000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 0, 'balance': -5000, 'minimum': 0, 'adb': 0}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[21, 10000], [25, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 4563, 'balance': 934563, 'minimum': 13863, 'adb': 991428}], ['control 1', {'rate_bp': 600, 'basis': 365, 'start_balance': 0, 'cycle_days': 31, 'events': [[15, 50000], [8, -80000], [21, 5000], [31, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 0, 'balance': -45000, 'minimum': 0, 'adb': 0}], ['control 2', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[5, -80000], [22, 5000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 0, 'balance': -75000, 'minimum': 0, 'adb': 0}], ['control 3', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[31, -20000], [27, -20000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 980, 'balance': 60980, 'minimum': 2500, 'adb': 96129}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[15, 10000], [15, -80000], [4, 10000], [10, -20000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 408, 'balance': 20408, 'minimum': 2500, 'adb': 56451}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 31, 'events': [[20, 10000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 345, 'balance': 40345, 'minimum': 2500, 'adb': 33870}], ['control 6', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[4, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 276, 'balance': 20276, 'minimum': 2500, 'adb': 28000}]]]\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":"58ed385fc015e792bc7ab2366105ddfe059623c4668ee31642c00848a0244373","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    bal = x['start_balance']\n    ev = sorted(x['events'])\n    i = 0\n    acc = 0\n    for day in range(1, x['cycle_days'] + 1):\n        while i < len(ev) and ev[i][0] == day:\n            bal += ev[i][1]\n            i += 1\n        acc += max(bal, 0)\n    interest = rnd(acc * x['rate_bp'], 10000 * x['basis'])\n    owed = bal + interest\n    if owed <= 0:\n        minimum = 0\n    else:\n        minimum = min(owed, max(x['min_floor'], rnd(max(bal, 0) * x['min_bp'], 10000)))\n    return {'interest': interest, 'balance': owed, 'minimum': minimum, 'adb': acc // x['cycle_days']}\ndef check(label, actual, expected):\n    observations.append({\"check\": label, \"actual\": actual, \"expected\": expected, \"passed\": actual == expected})\nfixtures = [[['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 31, 'events': [[4, 5000], [24, -20000], [10, 10000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 5129, 'balance': 1000129, 'minimum': 15079, 'adb': 1006451}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[3, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 1447, 'balance': 151447, 'minimum': 10000, 'adb': 146666}], ['control 2', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 30, 'events': [[6, -80000], [30, -80000], [3, 10000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 10, 'balance': -149990, 'minimum': 0, 'adb': 1000}], ['control 3', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [], 'min_bp': 150, 'min_floor': 2500}, {'interest': 0, 'balance': 0, 'minimum': 0, 'adb': 0}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [[27, 10000], [8, 50000], [10, -80000], [12, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 289, 'balance': 60289, 'minimum': 10000, 'adb': 44285}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[9, 10000], [16, 10000], [22, -80000], [9, 10000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 105, 'balance': -49895, 'minimum': 0, 'adb': 11428}], ['control 6', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[14, 50000], [31, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 943, 'balance': 200943, 'minimum': 10000, 'adb': 130645}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 31, 'events': [[25, 10000], [7, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 5313, 'balance': 1065313, 'minimum': 15913, 'adb': 1042580}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 28, 'events': [[1, 50000], [6, 5000], [24, 10000], [18, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 1146, 'balance': 86146, 'minimum': 2500, 'adb': 124464}], ['control 2', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 30, 'events': [[25, 10000], [30, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 12, 'balance': -9988, 'minimum': 0, 'adb': 1666}], ['control 3', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [[18, 10000], [3, -80000], [4, 5000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 20, 'balance': -34980, 'minimum': 0, 'adb': 2142}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[6, 50000], [1, -80000], [24, 50000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 540, 'balance': 120540, 'minimum': 10000, 'adb': 74838}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 28, 'events': [[24, 50000], [22, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 957, 'balance': 130957, 'minimum': 10000, 'adb': 103928}], ['control 6', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 30, 'events': [[11, -80000], [21, 5000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 99, 'balance': -44901, 'minimum': 0, 'adb': 10000}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[8, 5000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 4620, 'balance': 1009620, 'minimum': 14670, 'adb': 1003750}], ['control 1', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[3, 5000], [20, 5000], [25, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 44, 'balance': -9956, 'minimum': 0, 'adb': 4821}], ['control 2', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[20, 5000], [17, 10000], [26, -20000], [10, -20000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 440, 'balance': 75440, 'minimum': 2500, 'adb': 89166}], ['control 3', {'rate_bp': 850, 'basis': 365, 'start_balance': 30000, 'cycle_days': 30, 'events': [[22, -80000], [1, -80000], [8, -20000], [6, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': -230000, 'minimum': 0, 'adb': 0}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[5, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': -80000, 'minimum': 0, 'adb': 0}], ['control 5', {'rate_bp': 600, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [], 'min_bp': 100, 'min_floor': 2500}, {'interest': 0, 'balance': 0, 'minimum': 0, 'adb': 0}], ['control 6', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[10, -20000], [3, 50000], [2, -80000], [29, 5000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 275, 'balance': 55275, 'minimum': 2500, 'adb': 55666}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[23, 50000], [7, 10000], [8, 10000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 4723, 'balance': 1074723, 'minimum': 20773, 'adb': 1026071}], ['control 1', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[20, 50000], [29, -80000], [30, -80000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 773, 'balance': -9227, 'minimum': 0, 'adb': 110666}], ['control 2', {'rate_bp': 600, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[22, 5000], [2, 50000], [3, -80000], [3, 10000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 431, 'balance': 85431, 'minimum': 2500, 'adb': 84516}], ['control 3', {'rate_bp': 600, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [], 'min_bp': 150, 'min_floor': 2500}, {'interest': 138, 'balance': 30138, 'minimum': 2500, 'adb': 30000}], ['control 4', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 28, 'events': [], 'min_bp': 100, 'min_floor': 10000}, {'interest': 276, 'balance': 30276, 'minimum': 10000, 'adb': 30000}], ['control 5', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[12, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 349, 'balance': 20349, 'minimum': 2500, 'adb': 48387}], ['control 6', {'rate_bp': 850, 'basis': 365, 'start_balance': 0, 'cycle_days': 31, 'events': [[30, 10000], [22, -20000], [23, 5000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 0, 'balance': -5000, 'minimum': 0, 'adb': 0}]], [['regression: minimum payment components', {'rate_bp': 600, 'basis': 365, 'start_balance': 1000000, 'cycle_days': 28, 'events': [[21, 10000], [25, -80000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 4563, 'balance': 934563, 'minimum': 13863, 'adb': 991428}], ['control 1', {'rate_bp': 600, 'basis': 365, 'start_balance': 0, 'cycle_days': 31, 'events': [[15, 50000], [8, -80000], [21, 5000], [31, -20000]], 'min_bp': 150, 'min_floor': 10000}, {'interest': 0, 'balance': -45000, 'minimum': 0, 'adb': 0}], ['control 2', {'rate_bp': 1200, 'basis': 365, 'start_balance': 0, 'cycle_days': 28, 'events': [[5, -80000], [22, 5000]], 'min_bp': 100, 'min_floor': 10000}, {'interest': 0, 'balance': -75000, 'minimum': 0, 'adb': 0}], ['control 3', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[31, -20000], [27, -20000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 980, 'balance': 60980, 'minimum': 2500, 'adb': 96129}], ['control 4', {'rate_bp': 850, 'basis': 365, 'start_balance': 100000, 'cycle_days': 31, 'events': [[15, 10000], [15, -80000], [4, 10000], [10, -20000]], 'min_bp': 100, 'min_floor': 2500}, {'interest': 408, 'balance': 20408, 'minimum': 2500, 'adb': 56451}], ['control 5', {'rate_bp': 1200, 'basis': 365, 'start_balance': 30000, 'cycle_days': 31, 'events': [[20, 10000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 345, 'balance': 40345, 'minimum': 2500, 'adb': 33870}], ['control 6', {'rate_bp': 1200, 'basis': 365, 'start_balance': 100000, 'cycle_days': 30, 'events': [[4, -80000]], 'min_bp': 150, 'min_floor': 2500}, {'interest': 276, 'balance': 20276, 'minimum': 2500, 'adb': 28000}]]]\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-credit-line-daily-balance-minimum-payment-components","generated_at":"2026-09-29T14:46:30.177359+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 interest component is left out of the minimum.","sha256":"b51dc041184cfae84c8f3ff19c8079a18e1308691d9760ae0ce3d101982631b9","title":"Credit line average daily balance: minimum payment components · 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":40.632,"exit_code":1,"observations":[{"actual":{"adb":1006451,"balance":1000129,"interest":5129,"minimum":10001},"check":"regression: minimum payment components","expected":{"adb":1006451,"balance":1000129,"interest":5129,"minimum":15079},"passed":false},{"actual":{"adb":146666,"balance":151447,"interest":1447,"minimum":10000},"check":"control 1","expected":{"adb":146666,"balance":151447,"interest":1447,"minimum":10000},"passed":true},{"actual":{"adb":1000,"balance":-149990,"interest":10,"minimum":0},"check":"control 2","expected":{"adb":1000,"balance":-149990,"interest":10,"minimum":0},"passed":true},{"actual":{"adb":0,"balance":0,"interest":0,"minimum":0},"check":"control 3","expected":{"adb":0,"balance":0,"interest":0,"minimum":0},"passed":true},{"actual":{"adb":44285,"balance":60289,"interest":289,"minimum":10000},"check":"control 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{\"interest\": 943, \"balance\": 200943, \"minimum\": 10000, \"adb\": 130645}, \"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."}}