FA-62846 / Insurance premium rating / Open access

Personal auto multiplicative rating: Two-car households lose the multi-car discount · case 01

A household with exactly two cars pays the undiscounted premium.

Verified by executionVariant 1 · 15 checks per implementationDownload source bundle ↓JSON ↗

ROOT CAUSE

The discount predicate uses cars>2, excluding the smallest qualifying household.

THE FAILURE

The discount predicate uses cars>2, excluding the smallest qualifying household.

Unsuccessful approach: Using cars>=1 discounts every single-car policy as well.

Case contract

Input dict base, territory (A/B/C factors 1.00/1.15/1.30, else 'invalid territory'), age (<16 'invalid age'; 16-24 factor 1.50; 25-64 1.00; 65+ 1.20), symbol s with factor 1+0.05*(s-1), cars (>=2 gives 10% discount), fee. Rated premium = base*factors*discount rounded half-up to a cent once, then a 30000-cent minimum, then the fee is added.

Why this case matters

Premium rating engines apply ordered tabular rules where one misplaced boundary or step silently misprices policies.

1 / The failure

Exit 1

"""Failure Map reference implementation. Python standard library only."""
import json
import math
from fractions import Fraction
N = 1
observations = []
def solve(x):
    T={'A':Fraction(1),'B':Fraction(115,100),'C':Fraction(130,100)}
    if x['territory'] not in T: return 'invalid territory'
    age=x['age']
    if age<16: return 'invalid age'
    if age<25: af=Fraction(150,100)
    elif age<65: af=Fraction(1)
    else: af=Fraction(120,100)
    sf=1+Fraction(5,100)*(x['symbol']-1)
    disc=Fraction(90,100) if x['cars']>2 else Fraction(1)
    rated=x['base']*T[x['territory']]*af*sf
    rated=rated*disc
    rated=int(rated+Fraction(1,2))
    rated=max(rated,30000)
    return rated+x['fee']
def check(label, actual, expected):
    observations.append({"check": label, "actual": actual, "expected": expected, "passed": actual == expected})
fixtures = [[['youthful band ends at 24', {'base': 54520, 'territory': 'B', 'age': 24, 'symbol': 10, 'cars': 1, 'fee': 0}, 136368], ['age 25 leaves youthful band', {'base': 48271, 'territory': 'A', 'age': 25, 'symbol': 2, 'cars': 1, 'fee': 1500}, 52185], ['senior boundary 65', {'base': 31490, 'territory': 'A', 'age': 65, 'symbol': 8, 'cars': 2, 'fee': 0}, 45912], ['two cars earn multi-car discount', {'base': 53546, 'territory': 'A', 'age': 55, 'symbol': 8, 'cars': 2, 'fee': 0}, 65058], ['single car control', {'base': 41604, 'territory': 'A', 'age': 56, 'symbol': 9, 'cars': 1, 'fee': 0}, 58246], ['discounted policy below minimum', {'base': 30977, 'territory': 'A', 'age': 39, 'symbol': 1, 'cars': 3, 'fee': 0}, 30000], ['unknown territory rejected', {'base': 78746, 'territory': 'Z', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 84653, 'territory': 'C', 'age': 15, 'symbol': 2, 'cars': 1, 'fee': 2500}, 'invalid age'], ['random rating 0', {'base': 34126, 'territory': 'C', 'age': 33, 'symbol': 6, 'cars': 3, 'fee': 0}, 49909], ['random rating 1', {'base': 62350, 'territory': 'A', 'age': 16, 'symbol': 1, 'cars': 3, 'fee': 1500}, 85673], ['random rating 2', {'base': 95267, 'territory': 'A', 'age': 16, 'symbol': 6, 'cars': 2, 'fee': 2500}, 163263], ['random rating 3', {'base': 65141, 'territory': 'A', 'age': 16, 'symbol': 5, 'cars': 2, 'fee': 1500}, 107028], ['top symbol relativity', {'base': 50001, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85877], ['half-cent rounds up', {'base': 60003, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 71503], ['sub-half cent rounds down', {'base': 40011, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48513]], [['youthful band ends at 24', {'base': 65596, 'territory': 'B', 'age': 24, 'symbol': 4, 'cars': 1, 'fee': 1500}, 131626], ['age 25 leaves youthful band', {'base': 53332, 'territory': 'C', 'age': 25, 'symbol': 6, 'cars': 1, 'fee': 1500}, 88165], ['senior boundary 65', {'base': 72267, 'territory': 'B', 'age': 65, 'symbol': 9, 'cars': 2, 'fee': 0}, 125658], ['two cars earn multi-car discount', {'base': 46182, 'territory': 'A', 'age': 53, 'symbol': 1, 'cars': 2, 'fee': 2500}, 44064], ['single car control', {'base': 42325, 'territory': 'C', 'age': 57, 'symbol': 4, 'cars': 1, 'fee': 2500}, 65776], ['discounted policy below minimum', {'base': 31359, 'territory': 'A', 'age': 40, 'symbol': 1, 'cars': 3, 'fee': 1500}, 31500], ['unknown territory rejected', {'base': 70758, 'territory': 'Z', 'age': 40, 'symbol': 3, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 74254, 'territory': 'B', 'age': 15, 'symbol': 2, 'cars': 1, 'fee': 0}, 'invalid age'], ['random rating 0', {'base': 35490, 'territory': 'C', 'age': 47, 'symbol': 10, 'cars': 1, 'fee': 0}, 66899], ['random rating 1', {'base': 93585, 'territory': 'B', 'age': 47, 'symbol': 2, 'cars': 1, 'fee': 0}, 113004], ['random rating 2', {'base': 54005, 'territory': 'C', 'age': 47, 'symbol': 8, 'cars': 1, 'fee': 0}, 94779], ['random rating 3', {'base': 35309, 'territory': 'C', 'age': 20, 'symbol': 6, 'cars': 2, 'fee': 1500}, 78959], ['top symbol relativity', {'base': 50002, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 1500}, 84878], ['half-cent rounds up', {'base': 60007, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69008], ['sub-half cent rounds down', {'base': 40031, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 46036]], [['youthful band ends at 24', {'base': 33706, 'territory': 'B', 'age': 24, 'symbol': 1, 'cars': 1, 'fee': 1500}, 59643], ['age 25 leaves youthful band', {'base': 47580, 'territory': 'C', 'age': 25, 'symbol': 4, 'cars': 1, 'fee': 1500}, 72632], ['senior boundary 65', {'base': 45782, 'territory': 'A', 'age': 65, 'symbol': 7, 'cars': 2, 'fee': 1500}, 65778], ['two cars earn multi-car discount', {'base': 69933, 'territory': 'C', 'age': 45, 'symbol': 3, 'cars': 2, 'fee': 2500}, 92504], ['single car control', {'base': 81532, 'territory': 'A', 'age': 57, 'symbol': 10, 'cars': 1, 'fee': 1500}, 119721], ['discounted policy below minimum', {'base': 31838, 'territory': 'A', 'age': 49, 'symbol': 1, 'cars': 3, 'fee': 1500}, 31500], ['unknown territory rejected', {'base': 23484, 'territory': 'Z', 'age': 40, 'symbol': 5, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 20672, 'territory': 'A', 'age': 15, 'symbol': 8, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 54283, 'territory': 'B', 'age': 16, 'symbol': 7, 'cars': 2, 'fee': 0}, 109557], ['random rating 1', {'base': 85283, 'territory': 'B', 'age': 33, 'symbol': 7, 'cars': 3, 'fee': 1500}, 116248], ['random rating 2', {'base': 97243, 'territory': 'A', 'age': 47, 'symbol': 10, 'cars': 2, 'fee': 1500}, 128402], ['random rating 3', {'base': 47342, 'territory': 'B', 'age': 70, 'symbol': 9, 'cars': 3, 'fee': 1500}, 83818], ['top symbol relativity', {'base': 50003, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85880], ['half-cent rounds up', {'base': 60011, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69013], ['sub-half cent rounds down', {'base': 40051, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 46059]], [['youthful band ends at 24', {'base': 49705, 'territory': 'B', 'age': 24, 'symbol': 10, 'cars': 1, 'fee': 0}, 124325], ['age 25 leaves youthful band', {'base': 77136, 'territory': 'B', 'age': 25, 'symbol': 9, 'cars': 1, 'fee': 2500}, 126689], ['senior boundary 65', {'base': 48566, 'territory': 'C', 'age': 65, 'symbol': 7, 'cars': 1, 'fee': 2500}, 100992], ['two cars earn multi-car discount', {'base': 86089, 'territory': 'C', 'age': 58, 'symbol': 4, 'cars': 2, 'fee': 2500}, 118333], ['single car control', {'base': 65782, 'territory': 'C', 'age': 60, 'symbol': 5, 'cars': 1, 'fee': 0}, 102620], ['discounted policy below minimum', {'base': 30193, 'territory': 'A', 'age': 34, 'symbol': 1, 'cars': 3, 'fee': 2500}, 32500], ['unknown territory rejected', {'base': 37853, 'territory': 'Z', 'age': 40, 'symbol': 5, 'cars': 1, 'fee': 2500}, 'invalid territory'], ['under-age applicant rejected', {'base': 85063, 'territory': 'C', 'age': 15, 'symbol': 9, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 81605, 'territory': 'C', 'age': 70, 'symbol': 3, 'cars': 1, 'fee': 2500}, 142534], ['random rating 1', {'base': 50741, 'territory': 'C', 'age': 16, 'symbol': 9, 'cars': 1, 'fee': 0}, 138523], ['random rating 2', {'base': 88025, 'territory': 'B', 'age': 33, 'symbol': 5, 'cars': 1, 'fee': 0}, 121475], ['random rating 3', {'base': 60769, 'territory': 'C', 'age': 47, 'symbol': 8, 'cars': 3, 'fee': 1500}, 97485], ['top symbol relativity', {'base': 50004, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85882], ['half-cent rounds up', {'base': 60015, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69017], ['sub-half cent rounds down', {'base': 40071, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48582]], [['youthful band ends at 24', {'base': 83462, 'territory': 'C', 'age': 24, 'symbol': 4, 'cars': 1, 'fee': 0}, 187164], ['age 25 leaves youthful band', {'base': 23842, 'territory': 'A', 'age': 25, 'symbol': 10, 'cars': 1, 'fee': 2500}, 37071], ['senior boundary 65', {'base': 43695, 'territory': 'C', 'age': 65, 'symbol': 10, 'cars': 2, 'fee': 1500}, 90454], ['two cars earn multi-car discount', {'base': 87356, 'territory': 'A', 'age': 42, 'symbol': 8, 'cars': 2, 'fee': 2500}, 108638], ['single car control', {'base': 73244, 'territory': 'B', 'age': 41, 'symbol': 8, 'cars': 1, 'fee': 0}, 113711], ['discounted policy below minimum', {'base': 30044, 'territory': 'A', 'age': 31, 'symbol': 1, 'cars': 3, 'fee': 0}, 30000], ['unknown territory rejected', {'base': 50727, 'territory': 'Z', 'age': 40, 'symbol': 6, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 35931, 'territory': 'A', 'age': 15, 'symbol': 3, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 90411, 'territory': 'C', 'age': 70, 'symbol': 10, 'cars': 3, 'fee': 2500}, 186559], ['random rating 1', {'base': 60039, 'territory': 'C', 'age': 33, 'symbol': 10, 'cars': 2, 'fee': 2500}, 104356], ['random rating 2', {'base': 58926, 'territory': 'A', 'age': 47, 'symbol': 9, 'cars': 2, 'fee': 1500}, 75747], ['random rating 3', {'base': 56741, 'territory': 'B', 'age': 16, 'symbol': 6, 'cars': 1, 'fee': 2500}, 124848], ['top symbol relativity', {'base': 50005, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85883], ['half-cent rounds up', {'base': 60019, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69022], ['sub-half cent rounds down', {'base': 40091, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48605]]]
for label, args, expected in fixtures[N-1]:
    check(label, solve(args), expected)
print(json.dumps({"observations": observations, "passed": all(x["passed"] for x in observations)}, ensure_ascii=False))
raise SystemExit(0 if all(x["passed"] for x in observations) else 1)

Boundary fixture	Actual	Expected	Outcome
youthful band ends at 24	`136368`	`136368`	Passed
age 25 leaves youthful band	`52185`	`52185`	Passed
senior boundary 65	`51014`	`45912`	Failed
two cars earn multi-car discount	`72287`	`65058`	Failed
single car control	`58246`	`58246`	Passed
discounted policy below minimum	`30000`	`30000`	Passed
unknown territory rejected	`invalid territory`	`invalid territory`	Passed
under-age applicant rejected	`invalid age`	`invalid age`	Passed
random rating 0	`49909`	`49909`	Passed
random rating 1	`85673`	`85673`	Passed
random rating 2	`181126`	`163263`	Failed
random rating 3	`118754`	`107028`	Failed
top symbol relativity	`85877`	`85877`	Passed
half-cent rounds up	`71503`	`71503`	Passed
sub-half cent rounds down	`48513`	`48513`	Passed

SHA-256 / cb53352a642122ac97b6e09bbc54dca878d3a69e37289d55244d50c18f143e3d

2 / The unsuccessful fix

Exit 1

"""Failure Map reference implementation. Python standard library only."""
import json
import math
from fractions import Fraction
N = 1
observations = []
def solve(x):
    T={'A':Fraction(1),'B':Fraction(115,100),'C':Fraction(130,100)}
    if x['territory'] not in T: return 'invalid territory'
    age=x['age']
    if age<16: return 'invalid age'
    if age<25: af=Fraction(150,100)
    elif age<65: af=Fraction(1)
    else: af=Fraction(120,100)
    sf=1+Fraction(5,100)*(x['symbol']-1)
    disc=Fraction(90,100) if x['cars']>=1 else Fraction(1)
    rated=x['base']*T[x['territory']]*af*sf
    rated=rated*disc
    rated=int(rated+Fraction(1,2))
    rated=max(rated,30000)
    return rated+x['fee']
def check(label, actual, expected):
    observations.append({"check": label, "actual": actual, "expected": expected, "passed": actual == expected})
fixtures = [[['youthful band ends at 24', {'base': 54520, 'territory': 'B', 'age': 24, 'symbol': 10, 'cars': 1, 'fee': 0}, 136368], ['age 25 leaves youthful band', {'base': 48271, 'territory': 'A', 'age': 25, 'symbol': 2, 'cars': 1, 'fee': 1500}, 52185], ['senior boundary 65', {'base': 31490, 'territory': 'A', 'age': 65, 'symbol': 8, 'cars': 2, 'fee': 0}, 45912], ['two cars earn multi-car discount', {'base': 53546, 'territory': 'A', 'age': 55, 'symbol': 8, 'cars': 2, 'fee': 0}, 65058], ['single car control', {'base': 41604, 'territory': 'A', 'age': 56, 'symbol': 9, 'cars': 1, 'fee': 0}, 58246], ['discounted policy below minimum', {'base': 30977, 'territory': 'A', 'age': 39, 'symbol': 1, 'cars': 3, 'fee': 0}, 30000], ['unknown territory rejected', {'base': 78746, 'territory': 'Z', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 84653, 'territory': 'C', 'age': 15, 'symbol': 2, 'cars': 1, 'fee': 2500}, 'invalid age'], ['random rating 0', {'base': 34126, 'territory': 'C', 'age': 33, 'symbol': 6, 'cars': 3, 'fee': 0}, 49909], ['random rating 1', {'base': 62350, 'territory': 'A', 'age': 16, 'symbol': 1, 'cars': 3, 'fee': 1500}, 85673], ['random rating 2', {'base': 95267, 'territory': 'A', 'age': 16, 'symbol': 6, 'cars': 2, 'fee': 2500}, 163263], ['random rating 3', {'base': 65141, 'territory': 'A', 'age': 16, 'symbol': 5, 'cars': 2, 'fee': 1500}, 107028], ['top symbol relativity', {'base': 50001, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85877], ['half-cent rounds up', {'base': 60003, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 71503], ['sub-half cent rounds down', {'base': 40011, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48513]], [['youthful band ends at 24', {'base': 65596, 'territory': 'B', 'age': 24, 'symbol': 4, 'cars': 1, 'fee': 1500}, 131626], ['age 25 leaves youthful band', {'base': 53332, 'territory': 'C', 'age': 25, 'symbol': 6, 'cars': 1, 'fee': 1500}, 88165], ['senior boundary 65', {'base': 72267, 'territory': 'B', 'age': 65, 'symbol': 9, 'cars': 2, 'fee': 0}, 125658], ['two cars earn multi-car discount', {'base': 46182, 'territory': 'A', 'age': 53, 'symbol': 1, 'cars': 2, 'fee': 2500}, 44064], ['single car control', {'base': 42325, 'territory': 'C', 'age': 57, 'symbol': 4, 'cars': 1, 'fee': 2500}, 65776], ['discounted policy below minimum', {'base': 31359, 'territory': 'A', 'age': 40, 'symbol': 1, 'cars': 3, 'fee': 1500}, 31500], ['unknown territory rejected', {'base': 70758, 'territory': 'Z', 'age': 40, 'symbol': 3, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 74254, 'territory': 'B', 'age': 15, 'symbol': 2, 'cars': 1, 'fee': 0}, 'invalid age'], ['random rating 0', {'base': 35490, 'territory': 'C', 'age': 47, 'symbol': 10, 'cars': 1, 'fee': 0}, 66899], ['random rating 1', {'base': 93585, 'territory': 'B', 'age': 47, 'symbol': 2, 'cars': 1, 'fee': 0}, 113004], ['random rating 2', {'base': 54005, 'territory': 'C', 'age': 47, 'symbol': 8, 'cars': 1, 'fee': 0}, 94779], ['random rating 3', {'base': 35309, 'territory': 'C', 'age': 20, 'symbol': 6, 'cars': 2, 'fee': 1500}, 78959], ['top symbol relativity', {'base': 50002, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 1500}, 84878], ['half-cent rounds up', {'base': 60007, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69008], ['sub-half cent rounds down', {'base': 40031, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 46036]], [['youthful band ends at 24', {'base': 33706, 'territory': 'B', 'age': 24, 'symbol': 1, 'cars': 1, 'fee': 1500}, 59643], ['age 25 leaves youthful band', {'base': 47580, 'territory': 'C', 'age': 25, 'symbol': 4, 'cars': 1, 'fee': 1500}, 72632], ['senior boundary 65', {'base': 45782, 'territory': 'A', 'age': 65, 'symbol': 7, 'cars': 2, 'fee': 1500}, 65778], ['two cars earn multi-car discount', {'base': 69933, 'territory': 'C', 'age': 45, 'symbol': 3, 'cars': 2, 'fee': 2500}, 92504], ['single car control', {'base': 81532, 'territory': 'A', 'age': 57, 'symbol': 10, 'cars': 1, 'fee': 1500}, 119721], ['discounted policy below minimum', {'base': 31838, 'territory': 'A', 'age': 49, 'symbol': 1, 'cars': 3, 'fee': 1500}, 31500], ['unknown territory rejected', {'base': 23484, 'territory': 'Z', 'age': 40, 'symbol': 5, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 20672, 'territory': 'A', 'age': 15, 'symbol': 8, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 54283, 'territory': 'B', 'age': 16, 'symbol': 7, 'cars': 2, 'fee': 0}, 109557], ['random rating 1', {'base': 85283, 'territory': 'B', 'age': 33, 'symbol': 7, 'cars': 3, 'fee': 1500}, 116248], ['random rating 2', {'base': 97243, 'territory': 'A', 'age': 47, 'symbol': 10, 'cars': 2, 'fee': 1500}, 128402], ['random rating 3', {'base': 47342, 'territory': 'B', 'age': 70, 'symbol': 9, 'cars': 3, 'fee': 1500}, 83818], ['top symbol relativity', {'base': 50003, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85880], ['half-cent rounds up', {'base': 60011, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69013], ['sub-half cent rounds down', {'base': 40051, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 46059]], [['youthful band ends at 24', {'base': 49705, 'territory': 'B', 'age': 24, 'symbol': 10, 'cars': 1, 'fee': 0}, 124325], ['age 25 leaves youthful band', {'base': 77136, 'territory': 'B', 'age': 25, 'symbol': 9, 'cars': 1, 'fee': 2500}, 126689], ['senior boundary 65', {'base': 48566, 'territory': 'C', 'age': 65, 'symbol': 7, 'cars': 1, 'fee': 2500}, 100992], ['two cars earn multi-car discount', {'base': 86089, 'territory': 'C', 'age': 58, 'symbol': 4, 'cars': 2, 'fee': 2500}, 118333], ['single car control', {'base': 65782, 'territory': 'C', 'age': 60, 'symbol': 5, 'cars': 1, 'fee': 0}, 102620], ['discounted policy below minimum', {'base': 30193, 'territory': 'A', 'age': 34, 'symbol': 1, 'cars': 3, 'fee': 2500}, 32500], ['unknown territory rejected', {'base': 37853, 'territory': 'Z', 'age': 40, 'symbol': 5, 'cars': 1, 'fee': 2500}, 'invalid territory'], ['under-age applicant rejected', {'base': 85063, 'territory': 'C', 'age': 15, 'symbol': 9, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 81605, 'territory': 'C', 'age': 70, 'symbol': 3, 'cars': 1, 'fee': 2500}, 142534], ['random rating 1', {'base': 50741, 'territory': 'C', 'age': 16, 'symbol': 9, 'cars': 1, 'fee': 0}, 138523], ['random rating 2', {'base': 88025, 'territory': 'B', 'age': 33, 'symbol': 5, 'cars': 1, 'fee': 0}, 121475], ['random rating 3', {'base': 60769, 'territory': 'C', 'age': 47, 'symbol': 8, 'cars': 3, 'fee': 1500}, 97485], ['top symbol relativity', {'base': 50004, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85882], ['half-cent rounds up', {'base': 60015, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69017], ['sub-half cent rounds down', {'base': 40071, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48582]], [['youthful band ends at 24', {'base': 83462, 'territory': 'C', 'age': 24, 'symbol': 4, 'cars': 1, 'fee': 0}, 187164], ['age 25 leaves youthful band', {'base': 23842, 'territory': 'A', 'age': 25, 'symbol': 10, 'cars': 1, 'fee': 2500}, 37071], ['senior boundary 65', {'base': 43695, 'territory': 'C', 'age': 65, 'symbol': 10, 'cars': 2, 'fee': 1500}, 90454], ['two cars earn multi-car discount', {'base': 87356, 'territory': 'A', 'age': 42, 'symbol': 8, 'cars': 2, 'fee': 2500}, 108638], ['single car control', {'base': 73244, 'territory': 'B', 'age': 41, 'symbol': 8, 'cars': 1, 'fee': 0}, 113711], ['discounted policy below minimum', {'base': 30044, 'territory': 'A', 'age': 31, 'symbol': 1, 'cars': 3, 'fee': 0}, 30000], ['unknown territory rejected', {'base': 50727, 'territory': 'Z', 'age': 40, 'symbol': 6, 'cars': 1, 'fee': 0}, 'invalid territory'], ['under-age applicant rejected', {'base': 35931, 'territory': 'A', 'age': 15, 'symbol': 3, 'cars': 1, 'fee': 1500}, 'invalid age'], ['random rating 0', {'base': 90411, 'territory': 'C', 'age': 70, 'symbol': 10, 'cars': 3, 'fee': 2500}, 186559], ['random rating 1', {'base': 60039, 'territory': 'C', 'age': 33, 'symbol': 10, 'cars': 2, 'fee': 2500}, 104356], ['random rating 2', {'base': 58926, 'territory': 'A', 'age': 47, 'symbol': 9, 'cars': 2, 'fee': 1500}, 75747], ['random rating 3', {'base': 56741, 'territory': 'B', 'age': 16, 'symbol': 6, 'cars': 1, 'fee': 2500}, 124848], ['top symbol relativity', {'base': 50005, 'territory': 'B', 'age': 40, 'symbol': 10, 'cars': 1, 'fee': 2500}, 85883], ['half-cent rounds up', {'base': 60019, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 0}, 69022], ['sub-half cent rounds down', {'base': 40091, 'territory': 'B', 'age': 40, 'symbol': 1, 'cars': 1, 'fee': 2500}, 48605]]]
for label, args, expected in fixtures[N-1]:
    check(label, solve(args), expected)
print(json.dumps({"observations": observations, "passed": all(x["passed"] for x in observations)}, ensure_ascii=False))
raise SystemExit(0 if all(x["passed"] for x in observations) else 1)

Boundary fixture	Actual	Expected	Outcome
youthful band ends at 24	`122731`	`136368`	Failed
age 25 leaves youthful band	`47116`	`52185`	Failed
senior boundary 65	`45912`	`45912`	Passed
two cars earn multi-car discount	`65058`	`65058`	Passed
single car control	`52421`	`58246`	Failed
discounted policy below minimum	`30000`	`30000`	Passed
unknown territory rejected	`invalid territory`	`invalid territory`	Passed
under-age applicant rejected	`invalid age`	`invalid age`	Passed
random rating 0	`49909`	`49909`	Passed
random rating 1	`85673`	`85673`	Passed
random rating 2	`163263`	`163263`	Passed
random rating 3	`107028`	`107028`	Passed
top symbol relativity	`77539`	`85877`	Failed
half-cent rounds up	`64603`	`71503`	Failed
sub-half cent rounds down	`43911`	`48513`	Failed

SHA-256 / b4e91a241f2eb65d91097ea3e70bd8081781b26bad3e6a88462ab51c4b42661d

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This mechanism has 15 recorded checks per implementation. The open-access tier publishes the failure and the unsuccessful fix; the repaired source that passes every check, and the observations that prove it, are available to members.

Every case sharing this mechanism uses the same contract and the same repair, so this one record is held back for all of them.

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Verification & scope

A deterministic bounded teaching model of a stipulated toy rating contract. Amounts are integer cents and factors exact rationals; it makes no claim of conformance with any filed rating plan, bureau manual or jurisdiction. 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.

Observations recorded using Python 3.12.14 at 2026-09-29T14:47:08.759766+00:00.

Case digest / 30e76150cca796428cbd606949b2bb7d03fe7963ba925cedfe847ad5aa66cd7f