{
  "version": 79,
  "privacy": "No borrower names, identifiers or addresses are required. Input files are processed locally by CLI; they are not automatically published.",
  "pd": {
    "metric": "must equal unique_new_90dpd_or_utp_default_12m",
    "product": "mortgage",
    "country": "ISR",
    "unit": "loan_count",
    "start": "ISO date, beginning of fixed cohort",
    "end": "ISO date, exactly 12 calendar months later",
    "closed_cohort": "true; no new entries in denominator",
    "full_followup": "true; complete event observation",
    "performing_loans_at_start": "positive integer, number of initially performing loans",
    "unique_new_defaults": "integer, unique first 90dpd or UTP defaults from the same starting cohort, including cured cases; not NPL stock",
    "source": "nonempty provenance reference"
  },
  "resolved_lgd": {
    "unit": "NIS",
    "country": "ISR",
    "product": "mortgage",
    "discount_rate": "explicit annual assumption in [0,1)",
    "source": "nonempty provenance reference",
    "defaults": "nonempty list of resolved cases, each with fields below"
  },
  "resolved_case": {
    "ead_at_default": "positive numeric contractual exposure at default",
    "default_date": "ISO date",
    "resolution_date": "ISO date on or after default",
    "resolution_complete": "true; full cash-flow observation",
    "cash_flows": "list with date, principal_recovery, workout_cost; nonnegative amounts, dates between default and resolution; principal recoveries do not include interest"
  },
  "gates": {
    "automatic_publication": false,
    "automatic_mapping_to_macro_groups": false,
    "PD_LGD_product_without_population_alignment": false
  },
  "selection_note": "Resolved-case LGD may exclude long unresolved cases; aligning PD/LGD populations and resolving censoring are required before using an expected-loss product."
}