{
  "business_id": "demo-agency",
  "business_name": "Demo Atlas Agency",
  "as_of": "2026-10-16",
  "generated_at": "2026-10-19T15:48:21+00:00",
  "currency": "USD",
  "horizon_days": 30,
  "all_currency_plan_assessment": true,
  "financial_prose_verified": false,
  "mode": "synthetic deterministic decision brief; no model commentary",
  "balances": {
    "book_minor": 1000000,
    "restricted_minor": 0,
    "available_minor": 1000000,
    "floor_minor": 300000,
    "forecast_min_minor": 600000,
    "first_breach_date": null,
    "forecast_closing_minor": 600000,
    "worst_shortfall_minor": 0
  },
  "account_funding": {
    "no_shortfall_under_recorded_assumptions": false,
    "accounts": [
      {
        "account_id": "usd-main",
        "status": "incomplete_account_routing_or_timing",
        "min_balance_minor": 600000,
        "first_breach_date": null,
        "shortfall_minor": 0,
        "evidence_id": null
      }
    ],
    "unassigned": [],
    "unknown_timing": []
  },
  "options": [
    {
      "id": "auto-collections",
      "name": "Earlier collections",
      "global_financially_sufficient": true,
      "currency_min_minor": 600000,
      "currency_shortfall_minor": 0,
      "currency_closing_minor": 600000,
      "pending_permissions": [],
      "reasons": [
        "Recorded forecast needs no new action."
      ],
      "evidence_ids": [
        "ev-client-invoice",
        "ev-ops-budget",
        "ev-payroll",
        "ev-supplier-invoice"
      ],
      "status": "conditionally sufficient currency arithmetic; permissions/payment and account funding still pending"
    },
    {
      "id": "auto-deferrals",
      "name": "Permitted bill deferrals",
      "global_financially_sufficient": true,
      "currency_min_minor": 600000,
      "currency_shortfall_minor": 0,
      "currency_closing_minor": 600000,
      "pending_permissions": [],
      "reasons": [
        "Recorded forecast needs no new action."
      ],
      "evidence_ids": [
        "ev-client-invoice",
        "ev-ops-budget",
        "ev-payroll",
        "ev-supplier-invoice"
      ],
      "status": "conditionally sufficient currency arithmetic; permissions/payment and account funding still pending"
    },
    {
      "id": "auto-combined",
      "name": "Bill deferrals plus earlier collections",
      "global_financially_sufficient": true,
      "currency_min_minor": 600000,
      "currency_shortfall_minor": 0,
      "currency_closing_minor": 600000,
      "pending_permissions": [],
      "reasons": [
        "Recorded forecast needs no new action."
      ],
      "evidence_ids": [
        "ev-client-invoice",
        "ev-ops-budget",
        "ev-payroll",
        "ev-supplier-invoice"
      ],
      "status": "conditionally sufficient currency arithmetic; permissions/payment and account funding still pending"
    }
  ],
  "no_feasible_plan_found": false,
  "scope_note": "This one-page financial snapshot is scoped to USD. Proposal sufficiency retains the existing all-currency assessment; it is not account-level funding, approval, consent or cash. Other currencies are reviewed separately.",
  "action_states": {},
  "actions": [],
  "unknown_currency_action_count": 0,
  "observed_cash_record_count": 0,
  "future_recorded_cash_count": 0,
  "observed_cash_evidence_ids": [],
  "protected_obligations": [
    {
      "id": "payroll-001",
      "date": "2026-10-23",
      "remaining_minor": 600000,
      "evidence_id": "ev-payroll"
    }
  ],
  "assumptions": [
    "Intraday ordering unknown: outflows are applied before inflows on the same day (conservative). End-of-day balances are unaffected."
  ],
  "clarifications": [],
  "input_problems": [],
  "sources": [
    {
      "id": "ev-client-invoice",
      "kind": "synthetic_invoice",
      "summary": "USD 8,000 outstanding, originally expected 20 October."
    },
    {
      "id": "ev-ops-budget",
      "kind": "owner_verified_budget",
      "summary": "USD 1,500 due 28 October. Up to USD 500 may be moved to 6 November after approval."
    },
    {
      "id": "ev-payroll",
      "kind": "owner_verified_schedule",
      "summary": "USD 6,000 due 23 October. Hard date."
    },
    {
      "id": "ev-supplier-invoice",
      "kind": "synthetic_invoice",
      "summary": "USD 4,500 due 25 October. No extension accepted yet."
    }
  ],
  "notes": [
    "Expected receipts and plans are assumptions, not observed payments.",
    "Draft, owner approval, recorded external acceptance, observed payment and reconciliation remain distinct.",
    "No bank/source truth, independent identity, model prose or global optimality is certified. Three bounded strategies are compared.",
    "Read-only snapshot; refreshing or printing grants no authorization. Raw originals, credentials and saved agent prose are excluded."
  ],
  "snapshot_id": "224b3641140c7592ffb16cd4c92271fa01905d8d732a77ce5caf340fcafa4b69"
}